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Centennial Bank, Performance and Condition Ratios

2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1949%2,578
Cost of funding earning assets0.3127%4,103
Net interest margin3.8822%2,089
Noninterest income to average assets0.3641%4,300
Noninterest expense to average assets2.8038%3,211
Loan and lease loss provision to assets0.8413%110
Net operating income to assets0.2608%5,458
Return on assets (ROA)0.2897%5,471
Pretax return on assets0.3734%5,374
Return on Equity (ROE)2.8261%5,361
Retained earnings to average equity (ytd only)2.8261%4,059
Net charge-offs to loans0.3422%867
Credit loss provision to net charge-offs320.4284%929
Earnings coverage of net charge-offs (x)4.4854%3,551
Efficiency ratio67.2420%3,705
Assets per employee ($millions)5.8987%1,463
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.7574%1,224
Loan loss allowance to noncurrent loans132.1572%3,066
Noncurrent assets plus other real estate owned to assets1.2910%1,647
Noncurrent loans to loans1.3298%1,772
Net loans and leases to total assets76.3026%1,362
Net loans and leases to deposits87.0607%1,994
Net loans and leases to core deposits99.9633%1,494
Total domestic deposits to total assets87.6430%1,824
Equity capital to assets10.0218%3,929
Core capital (leverage) ratio9.2717%4,515
Tier 1 risk-based capital ratio11.3149%5,370
Total risk-based capital ratio12.5729%5,255
Memoranda:
Average total assets$728,999,400949
Average earning assets$679,281,800937
Average equity$74,731,2001,023
Average total loans$559,332,400837
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1996%2,571
Cost of funding earning assets0.3203%4,101
Net interest margin3.8794%2,097
Noninterest income to average assets0.3663%4,310
Noninterest expense to average assets2.8199%3,104
Loan and lease loss provision to assets0.5961%153
Net operating income to assets0.3549%5,304
Return on assets (ROA)0.3709%5,337
Pretax return on assets0.5891%5,000
Return on Equity (ROE)3.5974%5,186
Retained earnings to average equity (ytd only)3.5974%3,910
Net charge-offs to loans0.4905%491
Credit loss provision to net charge-offs158.9102%1,607
Earnings coverage of net charge-offs (x)3.0928%3,557
Efficiency ratio67.5412%3,623
Assets per employee ($millions)5.6158%1,674
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.2969%3,113
Loan loss allowance to noncurrent loans121.8053%3,229
Noncurrent assets plus other real estate owned to assets1.1273%2,113
Noncurrent loans to loans1.0647%2,352
Net loans and leases to total assets75.1198%1,525
Net loans and leases to deposits85.0114%2,281
Net loans and leases to core deposits98.1205%1,690
Total domestic deposits to total assets88.3644%1,367
Equity capital to assets10.3590%3,748
Core capital (leverage) ratio9.3674%4,488
Tier 1 risk-based capital ratio11.6051%5,324
Total risk-based capital ratio12.8427%5,251
Memoranda:
Average total assets$723,966,750961
Average earning assets$674,420,750959
Average equity$74,645,0001,028
Average total loans$553,707,750856
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1838%2,606
Cost of funding earning assets0.3272%4,081
Net interest margin3.8566%2,119
Noninterest income to average assets0.3371%4,542
Noninterest expense to average assets2.9230%2,804
Loan and lease loss provision to assets0.1438%1,506
Net operating income to assets0.5517%4,551
Return on assets (ROA)0.5627%4,615
Pretax return on assets0.8826%4,017
Return on Equity (ROE)5.4657%4,391
Retained earnings to average equity (ytd only)5.4657%2,555
Net charge-offs to loans0.5724%424
Credit loss provision to net charge-offs32.7858%2,897
Earnings coverage of net charge-offs (x)2.3013%3,368
Efficiency ratio70.9525%3,165
Assets per employee ($millions)5.5958%1,661
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8961%5,313
Loan loss allowance to noncurrent loans126.1036%3,168
Noncurrent assets plus other real estate owned to assets0.7051%3,285
Noncurrent loans to loans0.7106%3,360
Net loans and leases to total assets75.7122%1,405
Net loans and leases to deposits85.6955%2,082
Net loans and leases to core deposits99.5142%1,531
Total domestic deposits to total assets88.3502%1,468
Equity capital to assets10.4080%3,556
Core capital (leverage) ratio9.3059%4,544
Tier 1 risk-based capital ratio12.0451%5,114
Total risk-based capital ratio12.9267%5,266
Memoranda:
Average total assets$721,936,000965
Average earning assets$672,982,330961
Average equity$74,317,6701,039
Average total loans$553,068,670853
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1601%2,603
Cost of funding earning assets0.3342%4,053
Net interest margin3.8259%2,147
Noninterest income to average assets0.2964%4,799
Noninterest expense to average assets2.9236%2,825
Loan and lease loss provision to assets0.1413%1,450
Net operating income to assets0.5132%4,612
Return on assets (ROA)0.5352%4,642
Pretax return on assets0.8366%4,109
Return on Equity (ROE)5.2279%4,416
Retained earnings to average equity (ytd only)5.2279%2,935
Net charge-offs to loans0.4015%604
Credit loss provision to net charge-offs45.8633%2,138
Earnings coverage of net charge-offs (x)3.0629%2,660
Efficiency ratio72.1633%3,147
Assets per employee ($millions)5.6309%1,684
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0254%4,896
Loan loss allowance to noncurrent loans121.4088%3,244
Noncurrent assets plus other real estate owned to assets0.8019%3,105
Noncurrent loans to loans0.8445%3,135
Net loans and leases to total assets75.2285%1,319
Net loans and leases to deposits85.3593%1,912
Net loans and leases to core deposits99.2080%1,376
Total domestic deposits to total assets88.1316%1,739
Equity capital to assets10.1809%3,903
Core capital (leverage) ratio9.2769%4,614
Tier 1 risk-based capital ratio11.7663%5,398
Total risk-based capital ratio12.7812%5,456
Memoranda:
Average total assets$721,974,500962
Average earning assets$673,829,500953
Average equity$73,911,0001,046
Average total loans$553,864,500847
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3342%2,480
Cost of funding earning assets0.4366%3,316
Net interest margin3.8976%2,250
Noninterest income to average assets0.2109%5,596
Noninterest expense to average assets3.2949%1,945
Loan and lease loss provision to assets0.5538%266
Net operating income to assets-0.0145%6,106
Return on assets (ROA)0.0061%6,107
Pretax return on assets0.0127%6,081
Return on Equity (ROE)0.0596%6,106
Retained earnings to average equity (ytd only)0.0596%5,742
Net charge-offs to loans0.2177%1,929
Credit loss provision to net charge-offs322.4806%813
Earnings coverage of net charge-offs (x)3.1118%3,976
Efficiency ratio84.3556%1,366
Assets per employee ($millions)5.4764%1,787
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.0894%4,591
Loan loss allowance to noncurrent loans83.3472%4,152
Noncurrent assets plus other real estate owned to assets1.1233%2,505
Noncurrent loans to loans1.3070%2,260
Net loans and leases to total assets76.5990%1,181
Net loans and leases to deposits86.6367%1,897
Net loans and leases to core deposits101.7412%1,265
Total domestic deposits to total assets88.4140%1,559
Equity capital to assets10.2954%3,727
Core capital (leverage) ratio9.3446%4,471
Tier 1 risk-based capital ratio11.2423%5,796
Total risk-based capital ratio12.3545%5,810
Memoranda:
Average total assets$525,806,6001,278
Average earning assets$488,145,4001,261
Average equity$53,690,4001,361
Average total loans$414,835,4001,062
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4294%2,124
Cost of funding earning assets0.4600%3,149
Net interest margin3.9694%1,966
Noninterest income to average assets0.1177%6,176
Noninterest expense to average assets3.2253%2,103
Loan and lease loss provision to assets0.3733%465
Net operating income to assets0.1218%5,996
Return on assets (ROA)0.1385%5,997
Pretax return on assets0.2276%5,909
Return on Equity (ROE)1.3609%5,975
Retained earnings to average equity (ytd only)1.3609%5,350
Net charge-offs to loans0.1415%2,383
Credit loss provision to net charge-offs332.1782%842
Earnings coverage of net charge-offs (x)5.1139%3,320
Efficiency ratio83.6603%1,430
Assets per employee ($millions)5.4441%1,777
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1901%4,285
Loan loss allowance to noncurrent loans82.2774%4,124
Noncurrent assets plus other real estate owned to assets1.5489%1,980
Noncurrent loans to loans1.4465%2,252
Net loans and leases to total assets80.9274%619
Net loans and leases to deposits91.2206%1,299
Net loans and leases to core deposits114.9931%552
Total domestic deposits to total assets88.7161%1,391
Equity capital to assets10.0003%4,163
Core capital (leverage) ratio9.2034%4,784
Tier 1 risk-based capital ratio10.8801%6,050
Total risk-based capital ratio12.0776%6,022
Memoranda:
Average total assets$479,275,7501,403
Average earning assets$444,627,5001,389
Average equity$48,789,0001,481
Average total loans$380,710,0001,169
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4416%2,026
Cost of funding earning assets0.4681%3,127
Net interest margin3.9735%1,892
Noninterest income to average assets0.1910%5,815
Noninterest expense to average assets3.3283%1,844
Loan and lease loss provision to assets0.2114%1,121
Net operating income to assets0.2019%5,830
Return on assets (ROA)0.2275%5,828
Pretax return on assets0.3628%5,653
Return on Equity (ROE)2.2211%5,789
Retained earnings to average equity (ytd only)2.2211%4,781
Net charge-offs to loans0.1348%2,324
Credit loss provision to net charge-offs199.5984%1,177
Earnings coverage of net charge-offs (x)5.0442%2,992
Efficiency ratio84.8932%1,397
Assets per employee ($millions)5.1221%2,057
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0931%4,942
Loan loss allowance to noncurrent loans79.3606%4,213
Noncurrent assets plus other real estate owned to assets2.0211%1,577
Noncurrent loans to loans1.3774%2,509
Net loans and leases to total assets79.7723%712
Net loans and leases to deposits91.7216%1,187
Net loans and leases to core deposits115.2286%496
Total domestic deposits to total assets86.9722%2,468
Equity capital to assets10.3130%3,670
Core capital (leverage) ratio9.4585%4,387
Tier 1 risk-based capital ratio11.1389%5,994
Total risk-based capital ratio12.2182%6,007
Memoranda:
Average total assets$470,268,6701,425
Average earning assets$434,523,3301,419
Average equity$48,175,0001,485
Average total loans$369,390,6701,197
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4526%1,950
Cost of funding earning assets0.4765%3,160
Net interest margin3.9761%1,837
Noninterest income to average assets0.2849%5,091
Noninterest expense to average assets3.3994%1,704
Loan and lease loss provision to assets0.1222%1,969
Net operating income to assets0.2789%5,568
Return on assets (ROA)0.2789%5,613
Pretax return on assets0.4339%5,351
Return on Equity (ROE)2.7322%5,549
Retained earnings to average equity (ytd only)2.7322%4,451
Net charge-offs to loans0.1411%1,876
Credit loss provision to net charge-offs111.8110%1,535
Earnings coverage of net charge-offs (x)5.0866%2,428
Efficiency ratio84.6572%1,595
Assets per employee ($millions)4.9444%2,313
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1136%5,061
Loan loss allowance to noncurrent loans68.0461%4,556
Noncurrent assets plus other real estate owned to assets2.7204%1,119
Noncurrent loans to loans1.6366%2,379
Net loans and leases to total assets75.8430%1,017
Net loans and leases to deposits87.0125%1,463
Net loans and leases to core deposits107.3729%698
Total domestic deposits to total assets87.1633%2,723
Equity capital to assets10.1568%3,658
Core capital (leverage) ratio9.1489%4,795
Tier 1 risk-based capital ratio11.1498%6,099
Total risk-based capital ratio12.2223%6,114
Memoranda:
Average total assets$464,663,5001,450
Average earning assets$428,963,5001,448
Average equity$47,435,0001,502
Average total loans$359,920,0001,230
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7911%1,342
Cost of funding earning assets0.5172%3,429
Net interest margin4.2739%1,164
Noninterest income to average assets0.4950%3,793
Noninterest expense to average assets3.5386%1,570
Loan and lease loss provision to assets0.4735%594
Net operating income to assets1.1747%1,668
Return on assets (ROA)1.1793%1,706
Pretax return on assets0.4239%5,430
Return on Equity (ROE)11.7016%1,519
Retained earnings to average equity (ytd only)11.7016%347
Net charge-offs to loans0.0796%4,107
Credit loss provision to net charge-offs799.6063%312
Earnings coverage of net charge-offs (x)15.0748%1,900
Efficiency ratio78.2385%2,433
Assets per employee ($millions)5.2829%1,870
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1116%5,091
Loan loss allowance to noncurrent loans73.5148%4,382
Noncurrent assets plus other real estate owned to assets2.3344%1,497
Noncurrent loans to loans1.5120%2,629
Net loans and leases to total assets77.3664%906
Net loans and leases to deposits90.8484%1,172
Net loans and leases to core deposits111.3349%560
Total domestic deposits to total assets85.1599%3,661
Equity capital to assets10.2612%3,434
Core capital (leverage) ratio9.2906%4,572
Tier 1 risk-based capital ratio11.1571%6,092
Total risk-based capital ratio12.2408%6,125
Memoranda:
Average total assets$428,892,4001,543
Average earning assets$395,025,6001,531
Average equity$43,224,8001,621
Average total loans$319,287,8001,331
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8595%1,215
Cost of funding earning assets0.5193%3,574
Net interest margin4.3402%1,008
Noninterest income to average assets0.5593%3,395
Noninterest expense to average assets3.6313%1,346
Loan and lease loss provision to assets0.4704%594
Net operating income to assets0.6790%3,959
Return on assets (ROA)0.6853%4,069
Pretax return on assets0.4587%5,479
Return on Equity (ROE)6.8337%3,747
Retained earnings to average equity (ytd only)6.8337%1,956
Net charge-offs to loans0.1095%3,442
Credit loss provision to net charge-offs585.0394%481
Earnings coverage of net charge-offs (x)11.4763%2,242
Efficiency ratio78.0079%2,419
Assets per employee ($millions)5.2480%1,896
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0282%5,603
Loan loss allowance to noncurrent loans63.9023%4,649
Noncurrent assets plus other real estate owned to assets2.5180%1,526
Noncurrent loans to loans1.6090%2,760
Net loans and leases to total assets75.3766%1,090
Net loans and leases to deposits85.4496%1,682
Net loans and leases to core deposits106.3248%744
Total domestic deposits to total assets88.2118%1,993
Equity capital to assets10.0086%3,888
Core capital (leverage) ratio9.3404%4,630
Tier 1 risk-based capital ratio11.6561%5,976
Total risk-based capital ratio12.6632%6,062
Memoranda:
Average total assets$421,212,2501,577
Average earning assets$387,684,5001,567
Average equity$42,240,5001,670
Average total loans$309,214,0001,372
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8495%1,217
Cost of funding earning assets0.5123%3,786
Net interest margin4.3372%961
Noninterest income to average assets0.7032%2,619
Noninterest expense to average assets3.7422%1,177
Loan and lease loss provision to assets0.5518%477
Net operating income to assets0.3695%5,335
Return on assets (ROA)0.3786%5,464
Pretax return on assets0.4042%5,632
Return on Equity (ROE)3.7728%5,302
Retained earnings to average equity (ytd only)3.7728%3,896
Net charge-offs to loans0.0959%3,401
Credit loss provision to net charge-offs794.4444%383
Earnings coverage of net charge-offs (x)13.6250%1,887
Efficiency ratio78.0372%2,447
Assets per employee ($millions)5.0578%2,047
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0054%5,797
Loan loss allowance to noncurrent loans88.4130%3,764
Noncurrent assets plus other real estate owned to assets2.3326%1,847
Noncurrent loans to loans1.1372%3,662
Net loans and leases to total assets74.6220%1,155
Net loans and leases to deposits87.1316%1,447
Net loans and leases to core deposits109.6195%579
Total domestic deposits to total assets85.6429%3,559
Equity capital to assets9.9770%3,946
Core capital (leverage) ratio9.4359%4,339
Tier 1 risk-based capital ratio11.4730%6,124
Total risk-based capital ratio12.4349%6,222
Memoranda:
Average total assets$414,673,3301,602
Average earning assets$381,027,3301,596
Average equity$41,613,6701,703
Average total loans$300,374,0001,402
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7884%1,317
Cost of funding earning assets0.5217%3,867
Net interest margin4.2666%1,033
Noninterest income to average assets0.3154%5,170
Noninterest expense to average assets3.7443%1,180
Loan and lease loss provision to assets0.4356%673
Net operating income to assets0.1357%6,081
Return on assets (ROA)0.1397%6,164
Pretax return on assets0.0527%6,332
Return on Equity (ROE)1.3875%6,121
Retained earnings to average equity (ytd only)1.3875%5,285
Net charge-offs to loans-0.0647%6,242
Credit loss provision to net charge-offs-948.9362%5,616
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.5358%1,454
Assets per employee ($millions)4.7543%2,562
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9242%6,199
Loan loss allowance to noncurrent loans50.5120%5,144
Noncurrent assets plus other real estate owned to assets2.8454%1,586
Noncurrent loans to loans1.8297%2,827
Net loans and leases to total assets71.1313%1,501
Net loans and leases to deposits81.4548%1,902
Net loans and leases to core deposits100.7545%908
Total domestic deposits to total assets87.3261%2,738
Equity capital to assets10.1501%3,955
Core capital (leverage) ratio9.2821%4,430
Tier 1 risk-based capital ratio12.2493%5,757
Total risk-based capital ratio13.1421%5,944
Memoranda:
Average total assets$409,582,0001,637
Average earning assets$375,659,0001,629
Average equity$41,226,5001,737
Average total loans$290,433,0001,457
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5297%3,279
Cost of funding earning assets0.5793%4,545
Net interest margin3.9504%2,609
Noninterest income to average assets0.2980%5,329
Noninterest expense to average assets4.1850%781
Loan and lease loss provision to assets0.5719%980
Net operating income to assets-0.5083%6,572
Return on assets (ROA)-0.4121%6,568
Pretax return on assets-0.6600%6,640
Return on Equity (ROE)-3.9466%6,549
Retained earnings to average equity (ytd only)-3.9466%6,357
Net charge-offs to loans0.0248%5,550
Credit loss provision to net charge-offs3,570.0000%67
Earnings coverage of net charge-offs (x)-14.8750%5,954
Efficiency ratio104.5768%433
Assets per employee ($millions)4.7160%2,627
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.7727%6,536
Loan loss allowance to noncurrent loans40.7414%5,584
Noncurrent assets plus other real estate owned to assets2.6362%1,843
Noncurrent loans to loans1.8965%2,808
Net loans and leases to total assets69.4864%1,947
Net loans and leases to deposits79.3009%2,369
Net loans and leases to core deposits98.7099%1,095
Total domestic deposits to total assets87.6237%2,463
Equity capital to assets9.9812%4,198
Core capital (leverage) ratio9.2213%4,543
Tier 1 risk-based capital ratio12.6144%5,388
Total risk-based capital ratio13.3834%5,663
Memoranda:
Average total assets$249,680,0002,536
Average earning assets$230,609,2002,502
Average equity$26,073,4002,561
Average total loans$161,230,4002,407
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0083%5,495
Cost of funding earning assets0.5515%5,075
Net interest margin3.4568%4,819
Noninterest income to average assets0.2558%5,732
Noninterest expense to average assets4.1776%743
Loan and lease loss provision to assets0.5135%1,185
Net operating income to assets-1.1760%6,901
Return on assets (ROA)-0.9469%6,872
Pretax return on assets-0.9901%6,864
Return on Equity (ROE)-8.8752%6,836
Retained earnings to average equity (ytd only)-8.8752%6,781
Net charge-offs to loans0.0236%5,338
Credit loss provision to net charge-offs3,508.6957%80
Earnings coverage of net charge-offs (x)-48.8631%5,758
Efficiency ratio119.6104%197
Assets per employee ($millions)4.4380%3,020
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.5937%6,876
Loan loss allowance to noncurrent loans30.2339%6,121
Noncurrent assets plus other real estate owned to assets2.6975%1,959
Noncurrent loans to loans1.9638%2,878
Net loans and leases to total assets66.9939%2,461
Net loans and leases to deposits76.7091%2,875
Net loans and leases to core deposits97.6190%1,294
Total domestic deposits to total assets87.3351%2,475
Equity capital to assets10.4723%3,877
Core capital (leverage) ratio13.7910%908
Tier 1 risk-based capital ratio13.4393%4,916
Total risk-based capital ratio14.0120%5,395
Memoranda:
Average total assets$209,527,0002,966
Average earning assets$194,357,2502,940
Average equity$22,353,7502,964
Average total loans$129,708,7502,923
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1050%5,305
Cost of funding earning assets0.5930%4,959
Net interest margin3.5120%4,618
Noninterest income to average assets0.2128%6,044
Noninterest expense to average assets3.6255%1,528
Loan and lease loss provision to assets0.5941%1,008
Net operating income to assets-0.4884%6,729
Return on assets (ROA)-0.2197%6,626
Pretax return on assets-0.3219%6,654
Return on Equity (ROE)-2.0245%6,622
Retained earnings to average equity (ytd only)-2.0245%6,363
Net charge-offs to loans0.0924%4,230
Credit loss provision to net charge-offs1,131.5789%292
Earnings coverage of net charge-offs (x)-2.3421%5,394
Efficiency ratio102.6036%470
Assets per employee ($millions)4.9029%2,289
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.2655%5,059
Loan loss allowance to noncurrent loans61,200.0000%13
Noncurrent assets plus other real estate owned to assets0.0014%6,868
Noncurrent loans to loans0.0021%6,725
Net loans and leases to total assets64.9258%2,853
Net loans and leases to deposits73.0599%3,447
Net loans and leases to core deposits87.6112%2,248
Total domestic deposits to total assets88.8665%1,592
Equity capital to assets10.6005%3,568
Core capital (leverage) ratio9.2013%4,609
Tier 1 risk-based capital ratio12.6768%5,435
Total risk-based capital ratio13.8909%5,446
Memoranda:
Average total assets$144,750,6703,925
Average earning assets$135,592,0003,857
Average equity$15,707,3303,850
Average total loans$82,220,0004,031
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8677%6,094
Cost of funding earning assets0.6026%5,104
Net interest margin3.2651%5,596
Noninterest income to average assets0.2062%6,152
Noninterest expense to average assets3.5826%1,601
Loan and lease loss provision to assets0.4652%1,322
Net operating income to assets-0.5182%6,836
Return on assets (ROA)-0.5182%6,867
Pretax return on assets-0.7773%6,924
Return on Equity (ROE)-4.7193%6,840
Retained earnings to average equity (ytd only)-4.7193%6,562
Net charge-offs to loans0.2028%2,905
Credit loss provision to net charge-offs439.4737%731
Earnings coverage of net charge-offs (x)-2.9474%4,641
Efficiency ratio108.4327%364
Assets per employee ($millions)4.9819%2,276
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1956%5,502
Loan loss allowance to noncurrent loans32,033.3333%20
Noncurrent assets plus other real estate owned to assets0.0022%6,953
Noncurrent loans to loans0.0037%6,799
Net loans and leases to total assets56.9300%4,229
Net loans and leases to deposits64.5050%4,561
Net loans and leases to core deposits80.4812%3,012
Total domestic deposits to total assets88.2568%2,156
Equity capital to assets11.2672%2,660
Core capital (leverage) ratio9.2413%4,456
Tier 1 risk-based capital ratio14.8238%3,875
Total risk-based capital ratio15.9362%3,923
Memoranda:
Average total assets$143,582,0003,980
Average earning assets$134,757,5003,906
Average equity$15,765,0003,849
Average total loans$74,969,0004,273
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7256%6,817
Cost of funding earning assets0.7114%5,467
Net interest margin3.0142%6,506
Noninterest income to average assets0.1798%6,204
Noninterest expense to average assets3.5782%1,786
Loan and lease loss provision to assets0.5087%2,063
Net operating income to assets-0.7281%6,620
Return on assets (ROA)-0.7354%6,657
Pretax return on assets-1.1163%6,780
Return on Equity (ROE)-6.4637%6,606
Retained earnings to average equity (ytd only)-6.4637%6,539
Net charge-offs to loans0.1892%4,633
Credit loss provision to net charge-offs670.7865%328
Earnings coverage of net charge-offs (x)-7.8652%6,382
Efficiency ratio118.2338%322
Assets per employee ($millions)5.4693%1,672
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.1960%5,411
Loan loss allowance to noncurrent loans213.8817%1,539
Noncurrent assets plus other real estate owned to assets0.2634%6,307
Noncurrent loans to loans0.5592%5,602
Net loans and leases to total assets46.5436%5,958
Net loans and leases to deposits52.3848%6,177
Net loans and leases to core deposits64.6977%5,398
Total domestic deposits to total assets88.8495%1,636
Equity capital to assets10.7083%3,293
Core capital (leverage) ratio9.2270%4,429
Tier 1 risk-based capital ratio16.7720%2,705
Total risk-based capital ratio17.8446%2,751
Memoranda:
Average total assets$117,351,0004,474
Average earning assets$109,082,0004,416
Average equity$13,351,4004,267
Average total loans$47,041,0005,380
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7267%6,910
Cost of funding earning assets0.7322%5,581
Net interest margin2.9945%6,591
Noninterest income to average assets0.1858%6,266
Noninterest expense to average assets3.7094%1,480
Loan and lease loss provision to assets0.5223%1,895
Net operating income to assets-0.8459%6,819
Return on assets (ROA)-0.8563%6,860
Pretax return on assets-1.2899%6,958
Return on Equity (ROE)-7.3805%6,782
Retained earnings to average equity (ytd only)-7.3805%6,724
Net charge-offs to loans0.3220%3,494
Credit loss provision to net charge-offs430.0000%656
Earnings coverage of net charge-offs (x)-6.1900%6,114
Efficiency ratio123.4086%272
Assets per employee ($millions)5.4223%1,676
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.1217%5,804
Loan loss allowance to noncurrent loans171.6535%1,776
Noncurrent assets plus other real estate owned to assets0.2811%6,357
Noncurrent loans to loans0.6535%5,579
Net loans and leases to total assets42.5275%6,462
Net loans and leases to deposits48.4148%6,605
Net loans and leases to core deposits61.1181%5,899
Total domestic deposits to total assets87.8398%2,138
Equity capital to assets11.7685%2,438
Core capital (leverage) ratio10.7754%2,592
Tier 1 risk-based capital ratio19.1494%1,884
Total risk-based capital ratio20.0961%1,943
Memoranda:
Average total assets$109,771,2504,678
Average earning assets$101,605,2504,626
Average equity$12,736,0004,399
Average total loans$41,410,5005,668
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7721%6,948
Cost of funding earning assets0.7343%5,757
Net interest margin3.0378%6,531
Noninterest income to average assets0.1819%6,357
Noninterest expense to average assets3.9753%1,087
Loan and lease loss provision to assets0.4705%2,104
Net operating income to assets-0.9675%6,935
Return on assets (ROA)-0.9844%6,946
Pretax return on assets-1.4845%7,061
Return on Equity (ROE)-8.5393%6,883
Retained earnings to average equity (ytd only)-8.5393%6,800
Net charge-offs to loans0.0950%4,726
Credit loss provision to net charge-offs1,400.0000%252
Earnings coverage of net charge-offs (x)-29.4118%5,851
Efficiency ratio130.7081%251
Assets per employee ($millions)4.7414%2,485
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1958%5,561
Loan loss allowance to noncurrent loans229.9578%1,335
Noncurrent assets plus other real estate owned to assets0.2083%6,589
Noncurrent loans to loans0.5200%5,864
Net loans and leases to total assets39.5715%6,779
Net loans and leases to deposits45.1225%6,874
Net loans and leases to core deposits56.4441%6,383
Total domestic deposits to total assets87.6979%2,339
Equity capital to assets11.8548%2,207
Core capital (leverage) ratio10.4611%2,753
Tier 1 risk-based capital ratio19.1628%1,797
Total risk-based capital ratio20.1194%1,854
Memoranda:
Average total assets$101,176,0004,929
Average earning assets$93,422,0004,899
Average equity$11,663,6704,650
Average total loans$35,779,6705,978
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6727%7,088
Cost of funding earning assets0.7144%6,056
Net interest margin2.9583%6,660
Noninterest income to average assets0.1729%6,493
Noninterest expense to average assets4.2502%771
Loan and lease loss provision to assets0.5228%1,664
Net operating income to assets-1.2396%7,115
Return on assets (ROA)-1.2396%7,119
Pretax return on assets-1.8763%7,232
Return on Equity (ROE)-10.9390%7,049
Retained earnings to average equity (ytd only)-10.9390%6,903
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio143.6681%197
Assets per employee ($millions)4.9088%2,284
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2174%5,543
Loan loss allowance to noncurrent loans166.5428%1,757
Noncurrent assets plus other real estate owned to assets0.2609%6,525
Noncurrent loans to loans0.7310%5,549
Net loans and leases to total assets35.2651%7,035
Net loans and leases to deposits39.8407%7,107
Net loans and leases to core deposits48.9603%6,836
Total domestic deposits to total assets88.5153%2,068
Equity capital to assets11.0511%2,637
Core capital (leverage) ratio9.5747%3,697
Tier 1 risk-based capital ratio18.6922%1,901
Total risk-based capital ratio19.6152%1,957
Memoranda:
Average total assets$94,867,0005,142
Average earning assets$87,346,5005,116
Average equity$10,750,5004,860
Average total loans$30,882,0006,295
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.9758%7,562
Cost of funding earning assets0.5182%7,272
Net interest margin1.4577%7,551
Noninterest income to average assets0.4333%4,655
Noninterest expense to average assets5.9449%237
Loan and lease loss provision to assets0.6924%2,376
Net operating income to assets-3.5276%7,377
Return on assets (ROA)-3.5215%7,393
Pretax return on assets-4.9170%7,533
Return on Equity (ROE)-17.7497%6,994
Retained earnings to average equity (ytd only)-17.7497%6,964
Net charge-offs to loans0.0204%6,610
Credit loss provision to net charge-offs16,300.0000%8
Earnings coverage of net charge-offs (x)-996.5000%6,850
Efficiency ratio340.4467%24
Assets per employee ($millions)4.5605%2,773
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2979%5,013
Loan loss allowance to noncurrent loans116.9675%2,500
Noncurrent assets plus other real estate owned to assets0.3197%6,446
Noncurrent loans to loans1.1096%4,885
Net loans and leases to total assets28.4354%7,391
Net loans and leases to deposits32.3508%7,423
Net loans and leases to core deposits39.0562%7,323
Total domestic deposits to total assets87.8971%2,311
Equity capital to assets11.6666%2,150
Core capital (leverage) ratio11.0837%2,101
Tier 1 risk-based capital ratio22.4275%1,118
Total risk-based capital ratio23.3414%1,133
Memoranda:
Average total assets$47,082,0006,634
Average earning assets$41,298,8006,665
Average equity$9,341,0005,319
Average total loans$9,783,8007,403
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2909%7,715
Cost of funding earning assets0.3953%7,574
Net interest margin0.8956%7,712
Noninterest income to average assets0.4051%4,918
Noninterest expense to average assets5.8616%228
Loan and lease loss provision to assets0.4302%3,328
Net operating income to assets-3.4739%7,517
Return on assets (ROA)-3.4739%7,526
Pretax return on assets-5.1231%7,651
Return on Equity (ROE)-14.1214%7,076
Retained earnings to average equity (ytd only)-14.1214%7,044
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio491.1043%12
Assets per employee ($millions)3.4171%5,162
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.1826%5,577
Loan loss allowance to noncurrent loans108.1081%2,592
Noncurrent assets plus other real estate owned to assets0.1911%6,886
Noncurrent loans to loans1.0939%5,053
Net loans and leases to total assets17.2608%7,644
Net loans and leases to deposits21.5029%7,655
Net loans and leases to core deposits23.2370%7,640
Total domestic deposits to total assets80.2723%5,617
Equity capital to assets19.2939%333
Core capital (leverage) ratio19.9168%249
Tier 1 risk-based capital ratio44.4134%188
Total risk-based capital ratio45.0022%193
Memoranda:
Average total assets$37,190,2507,045
Average earning assets$31,707,7507,115
Average equity$9,149,0005,453
Average total loans$5,989,0007,630
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.5421%7,811
Cost of funding earning assets0.1594%7,761
Net interest margin0.3826%7,804
Noninterest income to average assets0.2581%6,072
Noninterest expense to average assets3.6263%1,719
Loan and lease loss provision to assets0.3904%3,378
Net operating income to assets-2.3293%7,380
Return on assets (ROA)-2.3293%7,395
Pretax return on assets-3.4411%7,539
Return on Equity (ROE)-8.3189%6,908
Retained earnings to average equity (ytd only)-8.3189%6,836
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio613.7931%12
Assets per employee ($millions)2.3673%7,271
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4629%4,103
Loan loss allowance to noncurrent loans105.3571%2,633
Noncurrent assets plus other real estate owned to assets0.1478%7,019
Noncurrent loans to loans1.3885%4,621
Net loans and leases to total assets10.4919%7,753
Net loans and leases to deposits15.2787%7,756
Net loans and leases to core deposits15.8757%7,746
Total domestic deposits to total assets68.6696%7,403
Equity capital to assets31.0003%77
Core capital (leverage) ratio35.3490%65
Tier 1 risk-based capital ratio99.1187%54
Total risk-based capital ratio99.7096%55
Memoranda:
Average total assets$30,223,3307,339
Average earning assets$25,088,6707,395
Average equity$8,462,6705,647
Average total loans$4,603,0007,731
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8106%7,881
Cost of funding earning assets0.3326%7,805
Net interest margin1.4780%7,835
Noninterest income to average assets1.4244%596
Noninterest expense to average assets5.7583%243
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets-2.0609%7,473
Return on assets (ROA)-2.0609%7,480
Pretax return on assets-3.1216%7,610
Return on Equity (ROE)-7.9730%7,054
Retained earnings to average equity (ytd only)-7.9730%6,827
Net charge-offs to loans-0.0818%7,479
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio218.3908%81
Assets per employee ($millions)2.9726%6,274
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.7469%1,040
Loan loss allowance to noncurrent loans148.8636%1,874
Noncurrent assets plus other real estate owned to assets0.3700%6,551
Noncurrent loans to loans1.8453%3,997
Net loans and leases to total assets19.5030%7,793
Net loans and leases to deposits27.5612%7,759
Net loans and leases to core deposits27.5612%7,770
Total domestic deposits to total assets70.7624%7,360
Equity capital to assets28.4050%100
Core capital (leverage) ratio31.4786%76
Tier 1 risk-based capital ratio89.2220%59
Total risk-based capital ratio90.4768%59
Memoranda:
Average total assets$26,396,5007,547
Average earning assets$21,650,5007,607
Average equity$6,823,0006,249
Average total loans$4,888,0007,824
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2888%7,960
Cost of funding earning assets0.2035%7,940
Net interest margin1.0853%7,920
Noninterest income to average assets1.9366%390
Noninterest expense to average assets4.5120%791
Loan and lease loss provision to assets0.2892%5,115
Net operating income to assets-1.2701%6,746
Return on assets (ROA)-1.2701%6,751
Pretax return on assets-1.9391%6,920
Return on Equity (ROE)-7.0336%6,385
Retained earnings to average equity (ytd only)-7.0336%6,241
Net charge-offs to loans0.8331%2,744
Credit loss provision to net charge-offs280.4878%1,212
Earnings coverage of net charge-offs (x)-16.0000%7,179
Efficiency ratio157.6450%263
Assets per employee ($millions)3.6265%4,711
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.5964%1,119
Loan loss allowance to noncurrent loans160.4938%1,811
Noncurrent assets plus other real estate owned to assets0.2792%6,753
Noncurrent loans to loans1.6177%4,225
Net loans and leases to total assets16.8103%7,897
Net loans and leases to deposits22.2959%7,898
Net loans and leases to core deposits22.8420%7,907
Total domestic deposits to total assets75.3964%6,791
Equity capital to assets23.7522%190
Core capital (leverage) ratio26.4043%137
Tier 1 risk-based capital ratio87.3827%67
Total risk-based capital ratio88.6381%64
Memoranda:
Average total assets$39,760,6007,103
Average earning assets$33,907,2007,191
Average equity$7,179,8006,208
Average total loans$4,921,4007,895
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2404%8,055
Cost of funding earning assets0.1908%8,033
Net interest margin1.0496%8,016
Noninterest income to average assets1.9851%376
Noninterest expense to average assets4.1807%1,054
Loan and lease loss provision to assets0.0817%6,549
Net operating income to assets-0.8795%6,746
Return on assets (ROA)-0.8795%6,746
Pretax return on assets-1.3789%6,901
Return on Equity (ROE)-5.1478%6,473
Retained earnings to average equity (ytd only)-5.1478%6,278
Net charge-offs to loans0.9251%2,118
Credit loss provision to net charge-offs76.4706%5,853
Earnings coverage of net charge-offs (x)-12.1476%6,914
Efficiency ratio144.9891%340
Assets per employee ($millions)3.6126%4,654
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.9501%6,546
Loan loss allowance to noncurrent loans10.1512%7,454
Noncurrent assets plus other real estate owned to assets1.4240%4,257
Noncurrent loans to loans9.3592%455
Net loans and leases to total assets15.0709%7,990
Net loans and leases to deposits19.4932%7,996
Net loans and leases to core deposits19.9058%8,005
Total domestic deposits to total assets77.3137%6,264
Equity capital to assets21.8866%249
Core capital (leverage) ratio20.4020%288
Tier 1 risk-based capital ratio90.7885%68
Total risk-based capital ratio91.3881%68
Memoranda:
Average total assets$42,447,7507,056
Average earning assets$36,331,5007,144
Average equity$7,252,0006,244
Average total loans$4,900,0007,970
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.1706%8,153
Cost of funding earning assets0.1738%8,132
Net interest margin0.9968%8,102
Noninterest income to average assets1.9624%389
Noninterest expense to average assets4.0167%1,291
Loan and lease loss provision to assets0.1224%5,888
Net operating income to assets-0.8741%6,885
Return on assets (ROA)-0.8741%6,892
Pretax return on assets-1.3243%7,003
Return on Equity (ROE)-5.4815%6,657
Retained earnings to average equity (ytd only)-5.4815%6,372
Net charge-offs to loans1.4741%1,287
Credit loss provision to net charge-offs77.7778%5,257
Earnings coverage of net charge-offs (x)-7.6389%6,500
Efficiency ratio142.7019%409
Assets per employee ($millions)5.1359%1,926
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0217%6,067
Loan loss allowance to noncurrent loans45.6311%5,313
Noncurrent assets plus other real estate owned to assets0.9865%4,997
Noncurrent loans to loans2.2391%3,203
Net loans and leases to total assets9.8501%8,106
Net loans and leases to deposits11.7400%8,118
Net loans and leases to core deposits11.8992%8,112
Total domestic deposits to total assets83.9020%3,825
Equity capital to assets15.5680%911
Core capital (leverage) ratio17.6819%545
Tier 1 risk-based capital ratio89.4024%75
Total risk-based capital ratio89.9863%75
Memoranda:
Average total assets$45,759,3306,991
Average earning assets$39,123,6707,086
Average equity$7,297,3306,265
Average total loans$4,884,3308,059
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2006%8,209
Cost of funding earning assets0.1790%8,185
Net interest margin1.0215%8,162
Noninterest income to average assets1.8978%395
Noninterest expense to average assets3.9273%1,274
Loan and lease loss provision to assets0.1054%5,617
Net operating income to assets-0.8434%7,149
Return on assets (ROA)-0.8434%7,184
Pretax return on assets-1.2827%7,292
Return on Equity (ROE)-5.2259%6,994
Retained earnings to average equity (ytd only)-5.2259%6,582
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio142.8115%392
Assets per employee ($millions)5.3828%1,674
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3533%3,780
Loan loss allowance to noncurrent loans57.2650%4,764
Noncurrent assets plus other real estate owned to assets0.9660%4,781
Noncurrent loans to loans2.3632%2,791
Net loans and leases to total assets10.0815%8,159
Net loans and leases to deposits11.9527%8,169
Net loans and leases to core deposits12.1366%8,165
Total domestic deposits to total assets84.3451%3,536
Equity capital to assets15.0686%1,086
Core capital (leverage) ratio17.9027%569
Tier 1 risk-based capital ratio82.1794%85
Total risk-based capital ratio82.9337%85
Memoranda:
Average total assets$45,527,5007,048
Average earning assets$37,981,5007,169
Average equity$7,348,0006,277
Average total loans$5,026,5008,109
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5966%8,193
Cost of funding earning assets0.2276%8,234
Net interest margin2.3690%7,873
Noninterest income to average assets2.2791%286
Noninterest expense to average assets4.5117%876
Loan and lease loss provision to assets-0.0202%8,213
Net operating income to assets-0.1072%6,504
Return on assets (ROA)-0.1072%6,357
Pretax return on assets-0.2123%6,379
Return on Equity (ROE)-0.7029%6,325
Retained earnings to average equity (ytd only)-2.9707%6,097
Net charge-offs to loans0.0787%5,639
Credit loss provision to net charge-offs-250.0000%7,360
Earnings coverage of net charge-offs (x)-28.7500%6,955
Efficiency ratio105.4348%821
Assets per employee ($millions)4.7344%2,277
Cash dividends to net income (ytd only)*-322.6415%8,238
Condition Ratios (%)
Loss allowance to loans1.0780%5,433
Loan loss allowance to noncurrent loans166.6667%2,257
Noncurrent assets plus other real estate owned to assets0.8801%4,651
Noncurrent loans to loans0.6468%5,427
Net loans and leases to total assets11.8446%8,208
Net loans and leases to deposits14.4311%8,216
Net loans and leases to core deposits14.6899%8,217
Total domestic deposits to total assets82.0770%4,169
Equity capital to assets17.3574%734
Core capital (leverage) ratio19.2906%490
Tier 1 risk-based capital ratio84.4967%94
Total risk-based capital ratio85.1251%93
Memoranda:
Average total assets$49,449,2006,803
Average earning assets$41,747,4006,959
Average equity$7,540,4006,265
Average total loans$5,082,4008,157