Home > Colonial Co-operative Bank > Performance and Condition Ratios

Colonial Co-operative Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2334%2,774
Cost of funding earning assets0.4632%3,099
Net interest margin3.7702%2,542
Noninterest income to average assets0.7143%1,767
Noninterest expense to average assets10.7024%64
Loan and lease loss provision to assets3.4020%17
Net operating income to assets-7.8331%5,600
Return on assets (ROA)-7.8331%5,599
Pretax return on assets-9.8428%5,600
Return on Equity (ROE)-111.8168%5,602
Retained earnings to average equity (ytd only)-111.8168%5,601
Net charge-offs to loans4.9435%17
Credit loss provision to net charge-offs80.8633%1,743
Earnings coverage of net charge-offs (x)-1.5309%2,676
Efficiency ratio251.1364%9
Assets per employee ($millions)2.9711%5,169
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.3875%5,438
Loan loss allowance to noncurrent loans15.4565%4,961
Noncurrent assets plus other real estate owned to assets2.3116%434
Noncurrent loans to loans2.5067%545
Net loans and leases to total assets84.5651%380
Net loans and leases to deposits91.0373%1,554
Net loans and leases to core deposits91.0373%2,371
Total domestic deposits to total assets92.8907%47
Equity capital to assets6.0919%5,567
Core capital (leverage) ratio4.8469%5,593
Tier 1 risk-based capital ratio9.2905%5,571
Total risk-based capital ratio9.9428%5,583
Memoranda:
Average total assets$66,078,5004,811
Average earning assets$62,172,5004,788
Average equity$4,629,0005,271
Average total loans$56,235,5004,301
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2632%2,455
Cost of funding earning assets0.5117%2,238
Net interest margin3.7515%2,601
Noninterest income to average assets1.1843%739
Noninterest expense to average assets4.2410%398
Loan and lease loss provision to assets0.0102%4,073
Net operating income to assets-0.4392%5,516
Return on assets (ROA)-0.4392%5,516
Pretax return on assets0.4319%5,041
Return on Equity (ROE)-5.4222%5,544
Retained earnings to average equity (ytd only)-5.4222%5,447
Net charge-offs to loans0.2342%1,106
Credit loss provision to net charge-offs5.1095%3,687
Earnings coverage of net charge-offs (x)2.2044%3,784
Efficiency ratio90.5595%403
Assets per employee ($millions)3.0360%5,170
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.6107%5,225
Loan loss allowance to noncurrent loans15.7609%5,007
Noncurrent assets plus other real estate owned to assets3.5304%188
Noncurrent loans to loans3.8750%251
Net loans and leases to total assets84.7886%366
Net loans and leases to deposits92.6935%1,424
Net loans and leases to core deposits92.6935%2,306
Total domestic deposits to total assets91.4720%144
Equity capital to assets7.8991%5,424
Core capital (leverage) ratio6.6583%5,615
Tier 1 risk-based capital ratio12.7351%4,074
Total risk-based capital ratio13.7337%4,114
Memoranda:
Average total assets$68,309,0004,808
Average earning assets$63,708,2004,791
Average equity$5,532,8005,177
Average total loans$58,501,4004,238
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2914%2,289
Cost of funding earning assets0.5213%2,100
Net interest margin3.7701%2,505
Noninterest income to average assets0.7551%1,757
Noninterest expense to average assets4.1112%455
Loan and lease loss provision to assets0.0058%4,007
Net operating income to assets0.0582%5,477
Return on assets (ROA)0.0582%5,482
Pretax return on assets0.1475%5,423
Return on Equity (ROE)0.7147%5,463
Retained earnings to average equity (ytd only)0.7147%5,061
Net charge-offs to loans0.3193%657
Credit loss provision to net charge-offs2.1277%3,260
Earnings coverage of net charge-offs (x)0.5603%3,656
Efficiency ratio96.4042%241
Assets per employee ($millions)2.7568%5,408
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.5957%5,332
Loan loss allowance to noncurrent loans20.2261%5,065
Noncurrent assets plus other real estate owned to assets3.0213%295
Noncurrent loans to loans2.9450%447
Net loans and leases to total assets85.7579%272
Net loans and leases to deposits94.4329%1,250
Net loans and leases to core deposits94.4329%2,229
Total domestic deposits to total assets90.8136%230
Equity capital to assets8.4715%5,300
Core capital (leverage) ratio6.8685%5,676
Tier 1 risk-based capital ratio12.9426%4,048
Total risk-based capital ratio13.8986%4,128
Memoranda:
Average total assets$68,688,2504,849
Average earning assets$63,940,2504,836
Average equity$5,597,0005,224
Average total loans$58,881,7504,271
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2857%2,179
Cost of funding earning assets0.5272%1,939
Net interest margin3.7585%2,445
Noninterest income to average assets0.7594%1,728
Noninterest expense to average assets4.0702%488
Loan and lease loss provision to assets0.0058%3,802
Net operating income to assets0.0834%5,507
Return on assets (ROA)0.0834%5,512
Pretax return on assets0.1898%5,436
Return on Equity (ROE)1.0368%5,469
Retained earnings to average equity (ytd only)1.0368%4,828
Net charge-offs to loans0.4606%433
Credit loss provision to net charge-offs1.4599%2,897
Earnings coverage of net charge-offs (x)0.4964%3,371
Efficiency ratio95.4147%272
Assets per employee ($millions)3.1376%5,159
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.5844%5,403
Loan loss allowance to noncurrent loans20.4045%5,107
Noncurrent assets plus other real estate owned to assets2.8960%330
Noncurrent loans to loans2.8639%467
Net loans and leases to total assets84.5365%394
Net loans and leases to deposits92.6268%1,412
Net loans and leases to core deposits94.1208%2,147
Total domestic deposits to total assets91.2657%161
Equity capital to assets8.1186%5,479
Core capital (leverage) ratio6.7854%5,726
Tier 1 risk-based capital ratio12.7331%4,162
Total risk-based capital ratio13.6819%4,230
Memoranda:
Average total assets$69,530,0004,871
Average earning assets$64,866,3304,851
Average equity$5,594,3305,253
Average total loans$59,482,3304,275
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2806%2,007
Cost of funding earning assets0.5397%1,788
Net interest margin3.7409%2,348
Noninterest income to average assets0.7452%1,763
Noninterest expense to average assets3.9552%566
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.1548%5,454
Return on assets (ROA)0.1548%5,464
Pretax return on assets0.2866%5,330
Return on Equity (ROE)1.9322%5,347
Retained earnings to average equity (ytd only)1.9322%4,354
Net charge-offs to loans0.3875%474
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)0.8621%2,788
Efficiency ratio93.2432%408
Assets per employee ($millions)3.0453%5,313
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.7023%5,302
Loan loss allowance to noncurrent loans20.3992%5,184
Noncurrent assets plus other real estate owned to assets3.1325%304
Noncurrent loans to loans3.4428%361
Net loans and leases to total assets84.5819%319
Net loans and leases to deposits92.6844%1,253
Net loans and leases to core deposits94.1575%1,977
Total domestic deposits to total assets91.2580%223
Equity capital to assets7.9996%5,518
Core capital (leverage) ratio6.6508%5,784
Tier 1 risk-based capital ratio12.2505%4,544
Total risk-based capital ratio13.3625%4,542
Memoranda:
Average total assets$69,781,5004,921
Average earning assets$65,224,5004,899
Average equity$5,589,5005,305
Average total loans$59,875,5004,306
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4330%1,737
Cost of funding earning assets0.5549%1,644
Net interest margin3.8781%2,036
Noninterest income to average assets0.8072%1,727
Noninterest expense to average assets4.1243%519
Loan and lease loss provision to assets0.0042%4,272
Net operating income to assets0.1572%5,484
Return on assets (ROA)0.1572%5,524
Pretax return on assets0.2794%5,390
Return on Equity (ROE)2.0272%5,400
Retained earnings to average equity (ytd only)2.0272%4,384
Net charge-offs to loans-0.0116%4,972
Credit loss provision to net charge-offs-42.8571%4,808
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.5669%398
Assets per employee ($millions)3.0227%5,334
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.7955%5,119
Loan loss allowance to noncurrent loans22.8818%5,201
Noncurrent assets plus other real estate owned to assets3.2062%288
Noncurrent loans to loans3.4765%347
Net loans and leases to total assets85.7455%248
Net loans and leases to deposits93.9615%1,195
Net loans and leases to core deposits95.4663%1,969
Total domestic deposits to total assets91.2560%215
Equity capital to assets8.0205%5,556
Core capital (leverage) ratio6.6841%5,830
Tier 1 risk-based capital ratio11.8264%4,838
Total risk-based capital ratio13.0618%4,750
Memoranda:
Average total assets$71,235,8004,905
Average earning assets$66,140,2004,889
Average equity$5,524,8005,361
Average total loans$60,580,8004,280
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4446%1,716
Cost of funding earning assets0.5478%1,721
Net interest margin3.8968%1,988
Noninterest income to average assets0.8019%1,757
Noninterest expense to average assets4.0986%530
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.1786%5,502
Return on assets (ROA)0.1786%5,563
Pretax return on assets0.3163%5,439
Return on Equity (ROE)2.3222%5,406
Retained earnings to average equity (ytd only)2.3222%4,534
Net charge-offs to loans-0.0132%4,872
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.8361%436
Assets per employee ($millions)2.9099%5,459
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.7786%5,251
Loan loss allowance to noncurrent loans26.9318%5,234
Noncurrent assets plus other real estate owned to assets2.8661%421
Noncurrent loans to loans2.8911%541
Net loans and leases to total assets83.0302%507
Net loans and leases to deposits90.6039%1,680
Net loans and leases to core deposits91.9837%2,380
Total domestic deposits to total assets91.6409%105
Equity capital to assets7.6429%5,821
Core capital (leverage) ratio6.4604%5,908
Tier 1 risk-based capital ratio11.7272%4,968
Total risk-based capital ratio12.9302%4,893
Memoranda:
Average total assets$71,664,2504,939
Average earning assets$66,445,5004,921
Average equity$5,512,0005,423
Average total loans$60,703,5004,304
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4645%1,627
Cost of funding earning assets0.5452%1,735
Net interest margin3.9193%1,916
Noninterest income to average assets0.8078%1,681
Noninterest expense to average assets4.1176%526
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.1767%5,566
Return on assets (ROA)0.1767%5,620
Pretax return on assets0.3198%5,471
Return on Equity (ROE)2.2926%5,438
Retained earnings to average equity (ytd only)2.2926%4,419
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.7939%460
Assets per employee ($millions)2.8774%5,547
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.7598%5,377
Loan loss allowance to noncurrent loans24.4642%5,366
Noncurrent assets plus other real estate owned to assets3.1111%383
Noncurrent loans to loans3.1059%467
Net loans and leases to total assets84.9712%333
Net loans and leases to deposits92.7583%1,423
Net loans and leases to core deposits94.1876%2,147
Total domestic deposits to total assets91.6049%115
Equity capital to assets7.6833%5,880
Core capital (leverage) ratio6.3420%5,985
Tier 1 risk-based capital ratio11.3983%5,216
Total risk-based capital ratio12.5785%5,164
Memoranda:
Average total assets$71,303,3305,002
Average earning assets$66,032,0004,976
Average equity$5,496,0005,472
Average total loans$60,646,0004,320
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3471%1,973
Cost of funding earning assets0.5540%1,668
Net interest margin3.7931%2,313
Noninterest income to average assets0.7720%1,723
Noninterest expense to average assets3.9387%655
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.1859%5,555
Return on assets (ROA)0.1859%5,610
Pretax return on assets0.3437%5,417
Return on Equity (ROE)2.4085%5,399
Retained earnings to average equity (ytd only)2.4085%4,291
Net charge-offs to loans-0.0399%5,211
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.9737%551
Assets per employee ($millions)2.9794%5,528
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.7817%5,417
Loan loss allowance to noncurrent loans42.0213%5,030
Noncurrent assets plus other real estate owned to assets2.1719%769
Noncurrent loans to loans1.8602%1,192
Net loans and leases to total assets84.1410%360
Net loans and leases to deposits91.9954%1,344
Net loans and leases to core deposits93.4239%2,057
Total domestic deposits to total assets91.4621%167
Equity capital to assets7.6876%5,910
Core capital (leverage) ratio6.3173%6,047
Tier 1 risk-based capital ratio11.5907%5,177
Total risk-based capital ratio12.8248%5,092
Memoranda:
Average total assets$70,987,5005,046
Average earning assets$65,699,0005,030
Average equity$5,480,5005,512
Average total loans$60,173,0004,363
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4162%1,848
Cost of funding earning assets0.5583%1,691
Net interest margin3.8579%2,171
Noninterest income to average assets0.7704%1,898
Noninterest expense to average assets4.2773%505
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.0422%5,823
Return on assets (ROA)0.0422%5,859
Pretax return on assets0.0655%5,832
Return on Equity (ROE)0.5337%5,835
Retained earnings to average equity (ytd only)0.5337%5,309
Net charge-offs to loans0.0069%4,204
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)11.2500%2,604
Efficiency ratio98.4909%323
Assets per employee ($millions)2.9363%5,578
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.7838%5,451
Loan loss allowance to noncurrent loans25.9424%5,398
Noncurrent assets plus other real estate owned to assets3.3333%365
Noncurrent loans to loans3.0214%526
Net loans and leases to total assets84.0627%384
Net loans and leases to deposits91.9061%1,415
Net loans and leases to core deposits93.9720%2,051
Total domestic deposits to total assets91.4659%183
Equity capital to assets7.7537%5,933
Core capital (leverage) ratio6.5306%6,091
Tier 1 risk-based capital ratio11.8040%5,066
Total risk-based capital ratio13.0550%4,985
Memoranda:
Average total assets$68,665,4005,119
Average earning assets$63,584,2005,098
Average equity$5,433,6005,554
Average total loans$58,027,2004,424
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4332%1,801
Cost of funding earning assets0.5542%1,769
Net interest margin3.8791%2,099
Noninterest income to average assets0.7349%2,086
Noninterest expense to average assets4.3978%439
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets-0.0410%5,963
Return on assets (ROA)-0.0410%5,993
Pretax return on assets-0.0645%5,999
Return on Equity (ROE)-0.5160%5,999
Retained earnings to average equity (ytd only)-0.5160%5,694
Net charge-offs to loans-0.0116%5,038
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.4885%270
Assets per employee ($millions)2.7847%5,768
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.8118%5,486
Loan loss allowance to noncurrent loans15.2202%5,624
Noncurrent assets plus other real estate owned to assets4.8464%211
Noncurrent loans to loans5.3339%180
Net loans and leases to total assets83.7125%402
Net loans and leases to deposits91.5243%1,464
Net loans and leases to core deposits93.6043%2,112
Total domestic deposits to total assets91.4649%165
Equity capital to assets7.7767%6,025
Core capital (leverage) ratio6.4126%6,176
Tier 1 risk-based capital ratio11.7909%5,209
Total risk-based capital ratio13.0614%5,114
Memoranda:
Average total assets$68,214,2505,189
Average earning assets$63,278,5005,166
Average equity$5,426,0005,625
Average total loans$57,607,2504,482
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4140%1,811
Cost of funding earning assets0.5609%1,725
Net interest margin3.8531%2,130
Noninterest income to average assets0.7085%2,178
Noninterest expense to average assets4.3368%480
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-0.0413%6,020
Return on assets (ROA)-0.0413%6,051
Pretax return on assets-0.0590%6,051
Return on Equity (ROE)-0.5157%6,061
Retained earnings to average equity (ytd only)-0.5157%5,610
Net charge-offs to loans-0.0140%5,034
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.3803%289
Assets per employee ($millions)2.7981%5,814
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8233%5,541
Loan loss allowance to noncurrent loans18.9264%5,688
Noncurrent assets plus other real estate owned to assets4.2618%294
Noncurrent loans to loans4.3499%326
Net loans and leases to total assets85.3860%271
Net loans and leases to deposits93.5630%1,196
Net loans and leases to core deposits95.7694%1,822
Total domestic deposits to total assets91.2605%240
Equity capital to assets8.0694%5,950
Core capital (leverage) ratio6.0539%6,268
Tier 1 risk-based capital ratio10.9053%5,764
Total risk-based capital ratio12.1857%5,659
Memoranda:
Average total assets$67,746,3305,259
Average earning assets$62,755,0005,235
Average equity$5,430,0005,676
Average total loans$57,224,3304,533
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5322%1,374
Cost of funding earning assets0.5673%1,686
Net interest margin3.9648%1,673
Noninterest income to average assets0.6878%2,216
Noninterest expense to average assets4.3209%485
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.0118%6,003
Return on assets (ROA)0.0118%6,041
Pretax return on assets0.0235%6,023
Return on Equity (ROE)0.1472%6,035
Retained earnings to average equity (ytd only)0.1472%5,323
Net charge-offs to loans0.0070%3,093
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)4.0000%2,543
Efficiency ratio99.4587%380
Assets per employee ($millions)2.8580%5,821
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8340%5,609
Loan loss allowance to noncurrent loans22.6008%5,685
Noncurrent assets plus other real estate owned to assets3.5441%463
Noncurrent loans to loans3.6902%497
Net loans and leases to total assets81.6454%497
Net loans and leases to deposits89.4459%1,444
Net loans and leases to core deposits91.5067%1,984
Total domestic deposits to total assets91.2790%279
Equity capital to assets7.9250%6,060
Core capital (leverage) ratio5.9522%6,331
Tier 1 risk-based capital ratio11.2440%5,691
Total risk-based capital ratio12.4937%5,606
Memoranda:
Average total assets$68,042,0005,303
Average earning assets$62,751,5005,286
Average equity$5,435,5005,730
Average total loans$56,928,0004,580
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3967%2,236
Cost of funding earning assets0.6198%1,608
Net interest margin3.7769%2,705
Noninterest income to average assets0.9276%1,421
Noninterest expense to average assets4.2567%573
Loan and lease loss provision to assets0.0291%4,023
Net operating income to assets0.0714%5,991
Return on assets (ROA)0.0714%6,019
Pretax return on assets0.1296%5,963
Return on Equity (ROE)0.9030%5,983
Retained earnings to average equity (ytd only)0.9030%5,377
Net charge-offs to loans0.4414%958
Credit loss provision to net charge-offs7.9051%4,129
Earnings coverage of net charge-offs (x)0.4308%4,643
Efficiency ratio96.4050%484
Assets per employee ($millions)2.8121%5,917
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.8226%5,714
Loan loss allowance to noncurrent loans17.1824%5,868
Noncurrent assets plus other real estate owned to assets4.5843%331
Noncurrent loans to loans4.7872%321
Net loans and leases to total assets84.3224%323
Net loans and leases to deposits92.7659%1,207
Net loans and leases to core deposits94.9434%1,820
Total domestic deposits to total assets90.8980%404
Equity capital to assets8.0529%6,040
Core capital (leverage) ratio6.0024%6,408
Tier 1 risk-based capital ratio10.3876%6,144
Total risk-based capital ratio11.6155%6,105
Memoranda:
Average total assets$68,668,8005,329
Average earning assets$63,411,4005,301
Average equity$5,426,2005,757
Average total loans$57,315,6004,575
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3937%2,246
Cost of funding earning assets0.6214%1,664
Net interest margin3.7723%2,726
Noninterest income to average assets1.0015%1,224
Noninterest expense to average assets4.2592%579
Loan and lease loss provision to assets0.0329%3,748
Net operating income to assets0.1102%6,016
Return on assets (ROA)0.1102%6,043
Pretax return on assets0.1953%5,957
Return on Equity (ROE)1.4012%5,970
Retained earnings to average equity (ytd only)1.4012%5,339
Net charge-offs to loans0.1512%2,281
Credit loss provision to net charge-offs26.1538%3,505
Earnings coverage of net charge-offs (x)1.8155%4,072
Efficiency ratio94.9160%551
Assets per employee ($millions)2.8112%5,950
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1398%4,560
Loan loss allowance to noncurrent loans34.5809%5,602
Noncurrent assets plus other real estate owned to assets3.3467%649
Noncurrent loans to loans3.2959%758
Net loans and leases to total assets84.3350%317
Net loans and leases to deposits92.6695%1,166
Net loans and leases to core deposits95.6367%1,708
Total domestic deposits to total assets91.0062%359
Equity capital to assets8.0659%6,101
Core capital (leverage) ratio6.0011%6,483
Tier 1 risk-based capital ratio10.5363%6,199
Total risk-based capital ratio11.6704%6,186
Memoranda:
Average total assets$68,963,2505,374
Average earning assets$63,725,5005,346
Average equity$5,424,0005,817
Average total loans$57,299,0004,616
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3852%2,232
Cost of funding earning assets0.6233%1,703
Net interest margin3.7619%2,705
Noninterest income to average assets1.1172%952
Noninterest expense to average assets4.3017%550
Loan and lease loss provision to assets0.0489%3,325
Net operating income to assets0.1353%5,983
Return on assets (ROA)0.1353%6,020
Pretax return on assets0.2419%5,890
Return on Equity (ROE)1.7350%5,904
Retained earnings to average equity (ytd only)1.7350%5,035
Net charge-offs to loans0.2342%1,638
Credit loss provision to net charge-offs25.3731%3,113
Earnings coverage of net charge-offs (x)1.5075%3,790
Efficiency ratio93.6677%659
Assets per employee ($millions)3.0321%5,711
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1276%4,781
Loan loss allowance to noncurrent loans26.8223%5,856
Noncurrent assets plus other real estate owned to assets4.2229%482
Noncurrent loans to loans4.2041%554
Net loans and leases to total assets82.3513%437
Net loans and leases to deposits90.1628%1,357
Net loans and leases to core deposits93.4841%1,819
Total domestic deposits to total assets91.3363%299
Equity capital to assets7.7905%6,261
Core capital (leverage) ratio5.9018%6,546
Tier 1 risk-based capital ratio10.2862%6,311
Total risk-based capital ratio11.5317%6,269
Memoranda:
Average total assets$69,461,3305,409
Average earning assets$64,170,3305,379
Average equity$5,418,0005,858
Average total loans$57,213,3304,650
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4735%1,890
Cost of funding earning assets0.6382%1,663
Net interest margin3.8353%2,325
Noninterest income to average assets1.2637%693
Noninterest expense to average assets4.2353%582
Loan and lease loss provision to assets0.0404%3,273
Net operating income to assets0.2943%5,515
Return on assets (ROA)0.2943%5,556
Pretax return on assets0.5251%5,095
Return on Equity (ROE)3.7704%5,143
Retained earnings to average equity (ytd only)3.7704%3,866
Net charge-offs to loans0.4438%816
Credit loss provision to net charge-offs11.1111%2,595
Earnings coverage of net charge-offs (x)1.5556%3,071
Efficiency ratio88.2212%1,207
Assets per employee ($millions)3.1528%5,593
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1383%4,931
Loan loss allowance to noncurrent loans33.8197%5,745
Noncurrent assets plus other real estate owned to assets3.6000%716
Noncurrent loans to loans3.3658%896
Net loans and leases to total assets81.2635%425
Net loans and leases to deposits89.1275%1,237
Net loans and leases to core deposits92.4290%1,692
Total domestic deposits to total assets91.1767%499
Equity capital to assets7.8371%6,155
Core capital (leverage) ratio5.8527%6,604
Tier 1 risk-based capital ratio10.8148%6,235
Total risk-based capital ratio12.0712%6,184
Memoranda:
Average total assets$69,322,5005,466
Average earning assets$63,932,0005,443
Average equity$5,410,5005,895
Average total loans$56,777,0004,697
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5596%2,002
Cost of funding earning assets0.7339%1,604
Net interest margin3.8257%2,550
Noninterest income to average assets1.0915%1,181
Noninterest expense to average assets4.5025%529
Loan and lease loss provision to assets0.2526%1,428
Net operating income to assets-0.0900%6,293
Return on assets (ROA)-0.0900%6,312
Pretax return on assets-0.1379%6,317
Return on Equity (ROE)-1.1318%6,335
Retained earnings to average equity (ytd only)-1.1318%6,082
Net charge-offs to loans0.7930%796
Credit loss provision to net charge-offs39.9083%4,051
Earnings coverage of net charge-offs (x)0.1812%5,022
Efficiency ratio97.5165%565
Assets per employee ($millions)3.0123%5,815
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.2469%4,400
Loan loss allowance to noncurrent loans32.9902%5,859
Noncurrent assets plus other real estate owned to assets4.1713%622
Noncurrent loans to loans3.7797%785
Net loans and leases to total assets80.5883%535
Net loans and leases to deposits88.0121%1,463
Net loans and leases to core deposits91.1263%1,889
Total domestic deposits to total assets91.5650%384
Equity capital to assets7.7725%6,149
Core capital (leverage) ratio5.7027%6,672
Tier 1 risk-based capital ratio10.9376%6,197
Total risk-based capital ratio12.1970%6,147
Memoranda:
Average total assets$68,894,4005,511
Average earning assets$63,492,2005,484
Average equity$5,478,2005,937
Average total loans$54,984,4004,779
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6640%1,702
Cost of funding earning assets0.7556%1,565
Net interest margin3.9084%2,241
Noninterest income to average assets1.1008%1,206
Noninterest expense to average assets4.4574%545
Loan and lease loss provision to assets-0.0368%6,529
Net operating income to assets0.1686%5,990
Return on assets (ROA)0.1686%6,062
Pretax return on assets0.2791%5,915
Return on Equity (ROE)2.1085%5,902
Retained earnings to average equity (ytd only)2.1085%5,057
Net charge-offs to loans0.3834%1,672
Credit loss provision to net charge-offs-12.1019%5,613
Earnings coverage of net charge-offs (x)0.7962%4,587
Efficiency ratio94.8454%687
Assets per employee ($millions)2.9377%5,945
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4186%3,817
Loan loss allowance to noncurrent loans28.5560%6,034
Noncurrent assets plus other real estate owned to assets4.9374%568
Noncurrent loans to loans4.9676%604
Net loans and leases to total assets81.3575%419
Net loans and leases to deposits89.3531%1,239
Net loans and leases to core deposits92.6138%1,710
Total domestic deposits to total assets91.0517%510
Equity capital to assets8.1905%6,014
Core capital (leverage) ratio6.2289%6,693
Tier 1 risk-based capital ratio11.7207%5,939
Total risk-based capital ratio12.8815%5,956
Memoranda:
Average total assets$68,797,2505,571
Average earning assets$63,348,5005,553
Average equity$5,501,5006,002
Average total loans$54,595,7504,834
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8220%1,284
Cost of funding earning assets0.7979%1,425
Net interest margin4.0241%1,780
Noninterest income to average assets1.1675%1,115
Noninterest expense to average assets4.4128%569
Loan and lease loss provision to assets0.1040%3,058
Net operating income to assets0.1959%5,907
Return on assets (ROA)0.2052%6,006
Pretax return on assets0.3670%5,712
Return on Equity (ROE)2.5862%5,764
Retained earnings to average equity (ytd only)2.5862%4,657
Net charge-offs to loans0.3210%1,899
Credit loss provision to net charge-offs41.3793%3,386
Earnings coverage of net charge-offs (x)1.8161%3,923
Efficiency ratio90.6231%1,016
Assets per employee ($millions)3.0656%5,736
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.6950%2,794
Loan loss allowance to noncurrent loans38.8136%5,679
Noncurrent assets plus other real estate owned to assets4.3029%776
Noncurrent loans to loans4.3671%822
Net loans and leases to total assets78.7702%661
Net loans and leases to deposits86.4496%1,525
Net loans and leases to core deposits89.1973%1,984
Total domestic deposits to total assets91.1169%507
Equity capital to assets8.1817%6,069
Core capital (leverage) ratio6.1502%6,739
Tier 1 risk-based capital ratio11.4459%6,139
Total risk-based capital ratio12.6966%6,102
Memoranda:
Average total assets$69,207,6705,597
Average earning assets$63,667,0005,574
Average equity$5,490,6706,046
Average total loans$54,207,3304,874
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8312%1,226
Cost of funding earning assets0.8507%1,251
Net interest margin3.9804%1,861
Noninterest income to average assets1.1870%1,065
Noninterest expense to average assets4.2346%680
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3424%5,392
Return on assets (ROA)0.3424%5,535
Pretax return on assets0.6106%4,910
Return on Equity (ROE)4.3820%4,908
Retained earnings to average equity (ytd only)4.3820%3,607
Net charge-offs to loans0.7073%863
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)1.1146%3,465
Efficiency ratio87.3969%1,384
Assets per employee ($millions)3.1680%5,699
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6297%3,274
Loan loss allowance to noncurrent loans69.4577%4,356
Noncurrent assets plus other real estate owned to assets2.9773%1,507
Noncurrent loans to loans2.3464%2,222
Net loans and leases to total assets75.4330%909
Net loans and leases to deposits82.5477%1,759
Net loans and leases to core deposits86.3537%2,074
Total domestic deposits to total assets91.3810%387
Equity capital to assets7.9016%6,432
Core capital (leverage) ratio5.9256%6,812
Tier 1 risk-based capital ratio11.4480%6,210
Total risk-based capital ratio12.7101%6,181
Memoranda:
Average total assets$70,090,0005,621
Average earning assets$64,415,0005,602
Average equity$5,477,0006,109
Average total loans$54,290,5004,908
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6861%2,651
Cost of funding earning assets1.0100%1,304
Net interest margin3.6760%3,760
Noninterest income to average assets0.4871%3,983
Noninterest expense to average assets4.5028%578
Loan and lease loss provision to assets0.4057%1,596
Net operating income to assets-0.6789%6,642
Return on assets (ROA)-0.6789%6,676
Pretax return on assets-1.0363%6,744
Return on Equity (ROE)-8.5036%6,693
Retained earnings to average equity (ytd only)-8.5036%6,591
Net charge-offs to loans0.5117%2,198
Credit loss provision to net charge-offs100.3413%3,019
Earnings coverage of net charge-offs (x)-1.5597%5,811
Efficiency ratio116.2865%245
Assets per employee ($millions)3.2039%5,614
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.7538%2,744
Loan loss allowance to noncurrent loans46.7602%5,287
Noncurrent assets plus other real estate owned to assets3.8462%1,141
Noncurrent loans to loans3.7507%1,295
Net loans and leases to total assets76.8532%809
Net loans and leases to deposits83.8675%1,769
Net loans and leases to core deposits87.3189%2,161
Total domestic deposits to total assets91.6365%312
Equity capital to assets7.7279%6,537
Core capital (leverage) ratio5.8780%6,868
Tier 1 risk-based capital ratio10.9625%6,364
Total risk-based capital ratio12.2280%6,315
Memoranda:
Average total assets$72,466,8005,565
Average earning assets$66,729,4005,523
Average equity$5,785,8006,081
Average total loans$57,261,4004,823
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7462%2,595
Cost of funding earning assets1.0219%1,439
Net interest margin3.7243%3,681
Noninterest income to average assets0.5263%3,761
Noninterest expense to average assets4.4296%583
Loan and lease loss provision to assets0.1791%3,346
Net operating income to assets-0.3490%6,615
Return on assets (ROA)-0.3490%6,665
Pretax return on assets-0.6524%6,766
Return on Equity (ROE)-4.3380%6,695
Retained earnings to average equity (ytd only)-4.3380%6,579
Net charge-offs to loans0.6529%1,677
Credit loss provision to net charge-offs34.6290%4,720
Earnings coverage of net charge-offs (x)-0.9152%5,565
Efficiency ratio111.9630%274
Assets per employee ($millions)3.1278%5,787
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3925%4,409
Loan loss allowance to noncurrent loans31.8645%6,044
Noncurrent assets plus other real estate owned to assets4.8889%918
Noncurrent loans to loans4.3699%1,103
Net loans and leases to total assets76.8804%858
Net loans and leases to deposits84.0545%1,866
Net loans and leases to core deposits87.4419%2,287
Total domestic deposits to total assets91.4650%296
Equity capital to assets7.9887%6,596
Core capital (leverage) ratio6.2662%6,918
Tier 1 risk-based capital ratio10.9715%6,488
Total risk-based capital ratio12.2425%6,464
Memoranda:
Average total assets$72,962,2505,604
Average earning assets$67,196,0005,577
Average equity$5,870,5006,127
Average total loans$57,792,5004,845
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7477%2,727
Cost of funding earning assets1.0455%1,497
Net interest margin3.7022%3,807
Noninterest income to average assets0.8431%1,993
Noninterest expense to average assets4.4773%564
Loan and lease loss provision to assets0.0928%4,399
Net operating income to assets-0.1200%6,457
Return on assets (ROA)-0.1200%6,553
Pretax return on assets-0.3165%6,651
Return on Equity (ROE)-1.4886%6,582
Retained earnings to average equity (ytd only)-1.4886%6,287
Net charge-offs to loans0.3804%2,495
Credit loss provision to net charge-offs30.6306%4,432
Earnings coverage of net charge-offs (x)-0.7387%5,272
Efficiency ratio105.2598%411
Assets per employee ($millions)2.9860%6,089
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5333%3,856
Loan loss allowance to noncurrent loans47.8214%5,238
Noncurrent assets plus other real estate owned to assets3.6476%1,441
Noncurrent loans to loans3.2064%1,813
Net loans and leases to total assets79.6631%545
Net loans and leases to deposits87.2387%1,446
Net loans and leases to core deposits89.7823%2,009
Total domestic deposits to total assets91.3163%352
Equity capital to assets8.2260%6,432
Core capital (leverage) ratio6.5594%6,916
Tier 1 risk-based capital ratio11.3543%6,311
Total risk-based capital ratio12.6146%6,278
Memoranda:
Average total assets$73,303,3305,629
Average earning assets$67,528,0005,604
Average equity$5,911,6706,142
Average total loans$58,360,6704,861
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5554%3,692
Cost of funding earning assets1.0684%1,570
Net interest margin3.4870%4,767
Noninterest income to average assets0.9714%1,505
Noninterest expense to average assets4.3819%606
Loan and lease loss provision to assets0.1835%3,141
Net operating income to assets-0.2051%6,644
Return on assets (ROA)-0.2051%6,692
Pretax return on assets-0.3885%6,779
Return on Equity (ROE)-2.5676%6,727
Retained earnings to average equity (ytd only)-2.5676%6,347
Net charge-offs to loans0.8608%1,191
Credit loss provision to net charge-offs26.9841%3,671
Earnings coverage of net charge-offs (x)-0.3016%4,464
Efficiency ratio104.9096%436
Assets per employee ($millions)2.7079%6,628
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4977%4,164
Loan loss allowance to noncurrent loans33.3715%6,003
Noncurrent assets plus other real estate owned to assets4.6257%1,151
Noncurrent loans to loans4.4880%1,306
Net loans and leases to total assets78.6197%532
Net loans and leases to deposits86.0367%1,418
Net loans and leases to core deposits88.4897%1,997
Total domestic deposits to total assets91.3792%412
Equity capital to assets8.0710%6,466
Core capital (leverage) ratio6.4112%6,982
Tier 1 risk-based capital ratio11.8536%6,049
Total risk-based capital ratio12.7800%6,245
Memoranda:
Average total assets$74,123,5005,643
Average earning assets$68,139,0005,621
Average equity$5,920,0006,165
Average total loans$58,552,0004,879
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9234%3,247
Cost of funding earning assets1.3057%1,455
Net interest margin3.6177%4,663
Noninterest income to average assets0.8815%1,738
Noninterest expense to average assets4.6063%524
Loan and lease loss provision to assets1.5965%444
Net operating income to assets-1.4440%6,893
Return on assets (ROA)-1.3939%6,903
Pretax return on assets-2.0818%7,045
Return on Equity (ROE)-16.3939%6,922
Retained earnings to average equity (ytd only)-16.3939%6,901
Net charge-offs to loans3.0576%308
Credit loss provision to net charge-offs67.1553%4,955
Earnings coverage of net charge-offs (x)-0.2356%5,977
Efficiency ratio113.8437%368
Assets per employee ($millions)2.6833%6,629
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6443%3,399
Loan loss allowance to noncurrent loans29.7139%6,218
Noncurrent assets plus other real estate owned to assets5.4836%937
Noncurrent loans to loans5.5338%950
Net loans and leases to total assets76.9063%836
Net loans and leases to deposits84.1040%1,912
Net loans and leases to core deposits86.7519%2,535
Total domestic deposits to total assets91.4418%345
Equity capital to assets7.9046%6,629
Core capital (leverage) ratio6.2888%7,014
Tier 1 risk-based capital ratio11.7271%6,007
Total risk-based capital ratio12.9775%5,993
Memoranda:
Average total assets$77,480,8005,527
Average earning assets$67,778,4005,622
Average equity$6,587,8005,987
Average total loans$60,243,6004,856
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0159%3,009
Cost of funding earning assets1.3448%1,478
Net interest margin3.6710%4,464
Noninterest income to average assets0.9889%1,366
Noninterest expense to average assets4.6232%512
Loan and lease loss provision to assets1.5405%439
Net operating income to assets-1.2039%6,961
Return on assets (ROA)-1.1460%6,960
Pretax return on assets-1.9094%7,107
Return on Equity (ROE)-13.2539%6,976
Retained earnings to average equity (ytd only)-13.2539%6,952
Net charge-offs to loans3.5412%214
Credit loss provision to net charge-offs56.0248%4,894
Earnings coverage of net charge-offs (x)-0.1671%5,705
Efficiency ratio111.0336%413
Assets per employee ($millions)2.8477%6,404
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4481%4,341
Loan loss allowance to noncurrent loans29.4037%6,286
Noncurrent assets plus other real estate owned to assets4.8394%1,202
Noncurrent loans to loans4.9247%1,274
Net loans and leases to total assets76.3880%930
Net loans and leases to deposits83.2965%2,130
Net loans and leases to core deposits85.8471%2,793
Total domestic deposits to total assets91.7062%258
Equity capital to assets8.2561%6,523
Core capital (leverage) ratio7.3744%6,825
Tier 1 risk-based capital ratio13.0377%5,069
Total risk-based capital ratio14.3168%5,019
Memoranda:
Average total assets$78,067,7505,550
Average earning assets$67,517,5005,668
Average equity$6,750,0005,984
Average total loans$60,617,5004,884
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0033%3,136
Cost of funding earning assets1.3554%1,622
Net interest margin3.6479%4,531
Noninterest income to average assets0.7137%2,470
Noninterest expense to average assets4.5093%589
Loan and lease loss provision to assets1.2541%605
Net operating income to assets-1.1369%6,988
Return on assets (ROA)-1.1369%6,994
Pretax return on assets-1.8939%7,147
Return on Equity (ROE)-12.9576%7,016
Retained earnings to average equity (ytd only)-12.9576%6,977
Net charge-offs to loans4.4982%162
Credit loss provision to net charge-offs35.8862%4,893
Earnings coverage of net charge-offs (x)-0.1831%5,395
Efficiency ratio116.5349%384
Assets per employee ($millions)2.8155%6,448
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1431%5,781
Loan loss allowance to noncurrent loans21.2531%6,680
Noncurrent assets plus other real estate owned to assets5.1577%1,183
Noncurrent loans to loans5.3784%1,182
Net loans and leases to total assets75.9152%1,083
Net loans and leases to deposits83.0055%2,276
Net loans and leases to core deposits85.8575%2,931
Total domestic deposits to total assets91.4580%353
Equity capital to assets8.4240%6,273
Core capital (leverage) ratio7.6394%6,632
Tier 1 risk-based capital ratio13.3506%4,650
Total risk-based capital ratio14.7416%4,509
Memoranda:
Average total assets$78,460,6705,589
Average earning assets$67,875,0005,702
Average equity$6,884,0005,953
Average total loans$60,957,6704,913
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9580%3,297
Cost of funding earning assets1.3854%1,690
Net interest margin3.5726%4,706
Noninterest income to average assets0.5315%3,639
Noninterest expense to average assets4.6963%486
Loan and lease loss provision to assets0.1175%4,537
Net operating income to assets-0.7103%6,919
Return on assets (ROA)-0.7103%6,927
Pretax return on assets-1.1856%7,053
Return on Equity (ROE)-7.9366%6,958
Retained earnings to average equity (ytd only)-7.9366%6,747
Net charge-offs to loans4.1199%214
Credit loss provision to net charge-offs3.6508%4,443
Earnings coverage of net charge-offs (x)-0.3317%4,739
Efficiency ratio129.4366%263
Assets per employee ($millions)2.8271%6,485
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.5949%3,749
Loan loss allowance to noncurrent loans51.0053%4,950
Noncurrent assets plus other real estate owned to assets4.4404%1,465
Noncurrent loans to loans3.1270%2,403
Net loans and leases to total assets75.1374%1,154
Net loans and leases to deposits82.4503%2,282
Net loans and leases to core deposits85.1047%3,019
Total domestic deposits to total assets91.1305%561
Equity capital to assets8.7747%5,539
Core capital (leverage) ratio8.0815%6,150
Tier 1 risk-based capital ratio13.8621%4,166
Total risk-based capital ratio16.2351%3,396
Memoranda:
Average total assets$78,274,0005,636
Average earning assets$67,850,0005,737
Average equity$7,005,5005,923
Average total loans$61,167,0004,952
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3870%2,737
Cost of funding earning assets1.5732%2,225
Net interest margin3.8138%3,893
Noninterest income to average assets0.9085%1,827
Noninterest expense to average assets4.1559%957
Loan and lease loss provision to assets1.6960%834
Net operating income to assets-0.9598%6,654
Return on assets (ROA)-0.9598%6,698
Pretax return on assets-1.5777%6,886
Return on Equity (ROE)-9.6635%6,714
Retained earnings to average equity (ytd only)-9.6635%6,646
Net charge-offs to loans0.3769%4,155
Credit loss provision to net charge-offs551.2821%405
Earnings coverage of net charge-offs (x)0.3846%5,724
Efficiency ratio97.2316%902
Assets per employee ($millions)2.7639%6,583
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.5383%1,368
Loan loss allowance to noncurrent loans86.3661%3,310
Noncurrent assets plus other real estate owned to assets3.6749%1,875
Noncurrent loans to loans2.9390%2,597
Net loans and leases to total assets77.9452%949
Net loans and leases to deposits85.9800%2,103
Net loans and leases to core deposits88.6656%2,952
Total domestic deposits to total assets90.6550%767
Equity capital to assets9.1292%4,947
Core capital (leverage) ratio8.2323%5,785
Tier 1 risk-based capital ratio14.1137%3,794
Total risk-based capital ratio15.4523%3,692
Memoranda:
Average total assets$76,061,2005,711
Average earning assets$67,124,2005,764
Average equity$7,554,2005,858
Average total loans$62,082,0004,987
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0244%890
Cost of funding earning assets1.6033%2,369
Net interest margin4.4211%1,460
Noninterest income to average assets0.3204%5,589
Noninterest expense to average assets4.1815%850
Loan and lease loss provision to assets0.9719%1,540
Net operating income to assets-0.5528%6,633
Return on assets (ROA)-0.5528%6,688
Pretax return on assets-0.9296%6,819
Return on Equity (ROE)-5.4538%6,682
Retained earnings to average equity (ytd only)-5.4538%6,593
Net charge-offs to loans0.3670%3,842
Credit loss provision to net charge-offs322.8070%982
Earnings coverage of net charge-offs (x)0.1404%5,887
Efficiency ratio98.9996%778
Assets per employee ($millions)2.5279%7,052
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4480%4,216
Loan loss allowance to noncurrent loans61.8357%4,202
Noncurrent assets plus other real estate owned to assets3.3357%2,134
Noncurrent loans to loans2.3417%3,299
Net loans and leases to total assets77.8189%1,068
Net loans and leases to deposits86.0004%2,344
Net loans and leases to core deposits88.3413%3,326
Total domestic deposits to total assets90.4867%645
Equity capital to assets9.5133%4,823
Core capital (leverage) ratio9.2956%4,220
Tier 1 risk-based capital ratio15.0925%3,203
Total risk-based capital ratio16.3506%3,185
Memoranda:
Average total assets$75,729,2505,781
Average earning assets$66,860,0005,836
Average equity$7,676,5005,885
Average total loans$62,129,5005,061
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9973%956
Cost of funding earning assets1.6216%2,540
Net interest margin4.3757%1,521
Noninterest income to average assets0.2592%6,065
Noninterest expense to average assets4.0480%987
Loan and lease loss provision to assets0.0935%5,978
Net operating income to assets0.0027%6,079
Return on assets (ROA)0.0027%6,183
Pretax return on assets-0.0107%6,165
Return on Equity (ROE)0.0258%6,186
Retained earnings to average equity (ytd only)0.0258%5,725
Net charge-offs to loans0.1800%4,528
Credit loss provision to net charge-offs62.5000%5,146
Earnings coverage of net charge-offs (x)0.5536%5,177
Efficiency ratio97.9948%881
Assets per employee ($millions)2.5661%7,009
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7930%7,050
Loan loss allowance to noncurrent loans26.3186%6,591
Noncurrent assets plus other real estate owned to assets2.9006%2,477
Noncurrent loans to loans3.0132%2,668
Net loans and leases to total assets80.2738%759
Net loans and leases to deposits89.4042%1,946
Net loans and leases to core deposits91.9093%3,005
Total domestic deposits to total assets89.7875%1,030
Equity capital to assets10.0488%3,958
Core capital (leverage) ratio10.0693%3,095
Tier 1 risk-based capital ratio16.7390%2,387
Total risk-based capital ratio17.8061%2,404
Memoranda:
Average total assets$74,851,0005,842
Average earning assets$66,229,6705,895
Average equity$7,750,3305,887
Average total loans$62,213,3305,096
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9930%993
Cost of funding earning assets1.6278%2,786
Net interest margin4.3652%1,487
Noninterest income to average assets0.1952%6,566
Noninterest expense to average assets3.9466%1,105
Loan and lease loss provision to assets0.0922%5,712
Net operating income to assets0.0217%6,231
Return on assets (ROA)0.0217%6,349
Pretax return on assets0.0379%6,285
Return on Equity (ROE)0.2063%6,346
Retained earnings to average equity (ytd only)0.2063%5,740
Net charge-offs to loans0.2187%3,617
Credit loss provision to net charge-offs50.0000%4,477
Earnings coverage of net charge-offs (x)0.7059%4,397
Efficiency ratio96.8085%982
Assets per employee ($millions)2.3394%7,403
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8051%7,117
Loan loss allowance to noncurrent loans46.2396%5,270
Noncurrent assets plus other real estate owned to assets2.1346%3,341
Noncurrent loans to loans1.7412%4,138
Net loans and leases to total assets81.9601%600
Net loans and leases to deposits91.5066%1,680
Net loans and leases to core deposits93.7851%2,864
Total domestic deposits to total assets89.5675%1,195
Equity capital to assets10.3551%3,403
Core capital (leverage) ratio10.4355%2,687
Tier 1 risk-based capital ratio17.5575%2,059
Total risk-based capital ratio18.6855%2,065
Memoranda:
Average total assets$73,784,5005,945
Average earning assets$65,609,5005,976
Average equity$7,757,5005,925
Average total loans$62,174,0005,173
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5763%3,722
Cost of funding earning assets2.0709%2,624
Net interest margin3.5054%4,932
Noninterest income to average assets0.9846%1,629
Noninterest expense to average assets4.3072%978
Loan and lease loss provision to assets0.5130%3,812
Net operating income to assets-0.4112%6,092
Return on assets (ROA)-0.4112%6,089
Pretax return on assets-0.6766%6,165
Return on Equity (ROE)-3.7373%6,087
Retained earnings to average equity (ytd only)-3.7373%5,829
Net charge-offs to loans0.5111%3,737
Credit loss provision to net charge-offs121.1039%4,405
Earnings coverage of net charge-offs (x)-0.3864%6,617
Efficiency ratio103.9496%957
Assets per employee ($millions)2.4236%7,323
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.8241%7,062
Loan loss allowance to noncurrent loans79.1091%3,479
Noncurrent assets plus other real estate owned to assets1.9297%3,486
Noncurrent loans to loans1.0417%5,237
Net loans and leases to total assets85.2435%326
Net loans and leases to deposits95.6067%1,374
Net loans and leases to core deposits121.1194%1,872
Total domestic deposits to total assets89.1606%1,405
Equity capital to assets10.6771%2,989
Core capital (leverage) ratio10.5834%2,524
Tier 1 risk-based capital ratio17.2386%2,090
Total risk-based capital ratio18.3840%2,075
Memoranda:
Average total assets$72,716,2005,925
Average earning assets$65,527,0005,944
Average equity$8,000,4005,922
Average total loans$60,262,2005,244
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6302%3,689
Cost of funding earning assets2.1775%2,514
Net interest margin3.4527%5,065
Noninterest income to average assets0.9461%1,793
Noninterest expense to average assets3.9365%1,375
Loan and lease loss provision to assets0.1100%6,273
Net operating income to assets0.0018%5,705
Return on assets (ROA)0.0018%5,766
Pretax return on assets0.0073%5,689
Return on Equity (ROE)0.0165%5,769
Retained earnings to average equity (ytd only)0.0165%5,196
Net charge-offs to loans0.3082%4,111
Credit loss provision to net charge-offs43.4783%6,389
Earnings coverage of net charge-offs (x)0.4638%5,570
Efficiency ratio97.1054%1,205
Assets per employee ($millions)2.2033%7,610
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6102%7,562
Loan loss allowance to noncurrent loans35.5301%6,041
Noncurrent assets plus other real estate owned to assets2.2432%3,045
Noncurrent loans to loans1.7173%4,060
Net loans and leases to total assets83.3393%630
Net loans and leases to deposits93.9385%1,888
Net loans and leases to core deposits118.6947%2,356
Total domestic deposits to total assets88.7168%1,332
Equity capital to assets11.0783%2,943
Core capital (leverage) ratio10.9833%2,417
Tier 1 risk-based capital ratio18.5515%1,853
Total risk-based capital ratio19.4156%1,890
Memoranda:
Average total assets$72,718,5005,959
Average earning assets$65,454,5005,978
Average equity$8,059,7505,963
Average total loans$59,704,5005,301
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6153%3,996
Cost of funding earning assets2.2596%2,531
Net interest margin3.3557%5,335
Noninterest income to average assets0.8966%2,004
Noninterest expense to average assets3.6743%1,890
Loan and lease loss provision to assets0.1100%6,052
Net operating income to assets0.0715%5,642
Return on assets (ROA)0.0715%5,739
Pretax return on assets0.1265%5,613
Return on Equity (ROE)0.6451%5,740
Retained earnings to average equity (ytd only)0.6451%4,931
Net charge-offs to loans0.2092%4,204
Credit loss provision to net charge-offs64.5161%5,520
Earnings coverage of net charge-offs (x)1.3871%4,489
Efficiency ratio93.9522%1,497
Assets per employee ($millions)2.2822%7,577
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.7026%7,419
Loan loss allowance to noncurrent loans20.2556%7,116
Noncurrent assets plus other real estate owned to assets3.1371%2,002
Noncurrent loans to loans3.4689%2,028
Net loans and leases to total assets82.8221%808
Net loans and leases to deposits93.3540%2,200
Net loans and leases to core deposits119.7059%2,397
Total domestic deposits to total assets88.7183%1,421
Equity capital to assets11.0585%2,863
Core capital (leverage) ratio11.0135%2,388
Tier 1 risk-based capital ratio17.9244%2,040
Total risk-based capital ratio18.8743%2,062
Memoranda:
Average total assets$72,721,3306,011
Average earning assets$65,321,3306,032
Average equity$8,061,3305,996
Average total loans$59,283,3305,368
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6496%4,051
Cost of funding earning assets2.3092%2,657
Net interest margin3.3404%5,368
Noninterest income to average assets0.8268%2,191
Noninterest expense to average assets3.6325%1,790
Loan and lease loss provision to assets0.1102%5,554
Net operating income to assets0.0386%6,167
Return on assets (ROA)0.0386%6,313
Pretax return on assets0.0661%6,240
Return on Equity (ROE)0.3477%6,322
Retained earnings to average equity (ytd only)0.3477%5,519
Net charge-offs to loans0.3557%2,663
Credit loss provision to net charge-offs38.4615%4,837
Earnings coverage of net charge-offs (x)0.6154%4,502
Efficiency ratio95.3690%1,354
Assets per employee ($millions)2.5321%7,212
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7082%7,420
Loan loss allowance to noncurrent loans30.3118%6,531
Noncurrent assets plus other real estate owned to assets2.1204%2,722
Noncurrent loans to loans2.3365%2,816
Net loans and leases to total assets79.8055%1,428
Net loans and leases to deposits89.8680%2,952
Net loans and leases to core deposits115.8142%2,820
Total domestic deposits to total assets88.8031%1,340
Equity capital to assets10.9722%2,987
Core capital (leverage) ratio11.0570%2,459
Tier 1 risk-based capital ratio18.0784%2,033
Total risk-based capital ratio19.0163%2,057
Memoranda:
Average total assets$72,567,0006,045
Average earning assets$64,783,0006,077
Average equity$8,054,0006,043
Average total loans$58,468,5005,427
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9709%5,699
Cost of funding earning assets2.5973%3,700
Net interest margin3.3737%5,773
Noninterest income to average assets1.1932%1,063
Noninterest expense to average assets3.8666%1,628
Loan and lease loss provision to assets0.1318%5,678
Net operating income to assets0.1374%6,011
Return on assets (ROA)0.1374%5,842
Pretax return on assets0.2331%5,658
Return on Equity (ROE)1.2257%5,848
Retained earnings to average equity (ytd only)1.2257%4,489
Net charge-offs to loans0.1460%4,751
Credit loss provision to net charge-offs115.8537%4,661
Earnings coverage of net charge-offs (x)3.2073%4,483
Efficiency ratio91.3770%1,418
Assets per employee ($millions)2.1728%7,747
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.7752%7,189
Loan loss allowance to noncurrent loans42.7212%5,876
Noncurrent assets plus other real estate owned to assets1.6066%3,034
Noncurrent loans to loans1.8147%3,039
Net loans and leases to total assets80.1473%1,629
Net loans and leases to deposits90.5750%3,351
Net loans and leases to core deposits115.5647%3,167
Total domestic deposits to total assets88.4872%1,256
Equity capital to assets11.2283%2,863
Core capital (leverage) ratio11.1499%2,465
Tier 1 risk-based capital ratio18.7111%1,864
Total risk-based capital ratio19.7546%1,862
Memoranda:
Average total assets$72,078,0005,964
Average earning assets$64,914,8005,995
Average equity$8,076,8006,059
Average total loans$56,150,6005,439