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FIRST SCOTTSDALE BANK, Performance and Condition Ratios

2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4120%1,818
Cost of funding earning assets0.3661%3,638
Net interest margin4.0460%1,506
Noninterest income to average assets0.1855%5,582
Noninterest expense to average assets4.2651%509
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-0.4271%6,170
Return on assets (ROA)-0.4271%6,183
Pretax return on assets-0.4271%6,171
Return on Equity (ROE)-2.6163%6,143
Retained earnings to average equity (ytd only)-2.6163%5,879
Net charge-offs to loans-0.0244%5,235
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.1279%162
Assets per employee ($millions)3.8555%4,154
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3832%2,836
Loan loss allowance to noncurrent loans404.1667%1,251
Noncurrent assets plus other real estate owned to assets0.2241%4,974
Noncurrent loans to loans0.3422%4,464
Net loans and leases to total assets64.5744%3,184
Net loans and leases to deposits78.6490%2,948
Net loans and leases to core deposits96.5681%1,753
Total domestic deposits to total assets82.1046%4,262
Equity capital to assets17.3746%388
Core capital (leverage) ratio17.6735%315
Tier 1 risk-based capital ratio25.7804%797
Total risk-based capital ratio27.0315%781
Memoranda:
Average total assets$103,490,0004,478
Average earning assets$93,426,6704,526
Average equity$16,894,3303,581
Average total loans$65,675,0004,284
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9360%3,479
Cost of funding earning assets0.3603%3,750
Net interest margin3.5757%3,099
Noninterest income to average assets0.2317%5,304
Noninterest expense to average assets4.0433%654
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets-0.3998%6,216
Return on assets (ROA)-0.3998%6,233
Pretax return on assets-0.3998%6,219
Return on Equity (ROE)-2.5224%6,197
Retained earnings to average equity (ytd only)-2.5224%5,748
Net charge-offs to loans-0.0358%5,351
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.9744%188
Assets per employee ($millions)4.2533%3,458
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3692%3,066
Loan loss allowance to noncurrent loans403.2407%1,197
Noncurrent assets plus other real estate owned to assets0.2031%5,146
Noncurrent loans to loans0.3396%4,571
Net loans and leases to total assets59.0058%3,797
Net loans and leases to deposits70.5418%3,691
Net loans and leases to core deposits70.5418%4,103
Total domestic deposits to total assets83.6465%3,961
Equity capital to assets15.9228%553
Core capital (leverage) ratio15.8196%487
Tier 1 risk-based capital ratio25.3186%852
Total risk-based capital ratio26.5692%835
Memoranda:
Average total assets$107,041,0004,436
Average earning assets$102,134,5004,342
Average equity$16,968,0003,593
Average total loans$66,955,0004,268
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7174%1,260
Cost of funding earning assets0.3494%4,261
Net interest margin4.3680%934
Noninterest income to average assets0.2656%5,231
Noninterest expense to average assets4.6171%417
Loan and lease loss provision to assets0.1018%2,456
Net operating income to assets-0.3083%6,242
Return on assets (ROA)-0.3034%6,233
Pretax return on assets-0.3034%6,222
Return on Equity (ROE)-1.8271%6,203
Retained earnings to average equity (ytd only)-1.8271%5,993
Net charge-offs to loans-0.0587%5,977
Credit loss provision to net charge-offs-262.5000%5,682
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.3297%287
Assets per employee ($millions)4.3100%3,348
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.2305%3,825
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets64.4381%3,156
Net loans and leases to deposits76.9705%3,093
Net loans and leases to core deposits76.9705%3,612
Total domestic deposits to total assets83.7179%3,830
Equity capital to assets15.7819%565
Core capital (leverage) ratio16.7299%393
Tier 1 risk-based capital ratio23.2019%1,056
Total risk-based capital ratio24.4254%1,037
Memoranda:
Average total assets$103,159,2004,524
Average earning assets$97,893,0004,452
Average equity$17,130,6003,506
Average total loans$68,172,2004,231
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8269%1,064
Cost of funding earning assets0.3530%4,315
Net interest margin4.4740%785
Noninterest income to average assets0.3359%4,754
Noninterest expense to average assets4.5732%425
Loan and lease loss provision to assets0.1307%1,919
Net operating income to assets-0.1268%6,235
Return on assets (ROA)-0.1202%6,236
Pretax return on assets-0.1202%6,214
Return on Equity (ROE)-0.7147%6,207
Retained earnings to average equity (ytd only)-0.7147%5,914
Net charge-offs to loans-0.0788%6,068
Credit loss provision to net charge-offs-250.0000%5,609
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.5717%382
Assets per employee ($millions)3.9438%4,000
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.2878%3,709
Loan loss allowance to noncurrent loans1,755.1020%347
Noncurrent assets plus other real estate owned to assets0.0518%5,944
Noncurrent loans to loans0.0734%5,731
Net loans and leases to total assets69.6482%2,250
Net loans and leases to deposits85.4410%1,978
Net loans and leases to core deposits85.4410%2,726
Total domestic deposits to total assets81.5161%4,651
Equity capital to assets18.0940%328
Core capital (leverage) ratio18.2057%292
Tier 1 risk-based capital ratio25.8471%799
Total risk-based capital ratio27.0960%782
Memoranda:
Average total assets$102,011,5004,601
Average earning assets$96,704,7504,531
Average equity$17,162,0003,521
Average total loans$67,641,0004,288
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6745%1,341
Cost of funding earning assets0.3537%4,398
Net interest margin4.3208%985
Noninterest income to average assets0.4499%3,876
Noninterest expense to average assets4.4953%455
Loan and lease loss provision to assets0.1915%1,275
Net operating income to assets-0.1436%6,285
Return on assets (ROA)-0.1340%6,292
Pretax return on assets-0.1340%6,280
Return on Equity (ROE)-0.8152%6,265
Retained earnings to average equity (ytd only)-0.8152%5,830
Net charge-offs to loans-0.1178%6,194
Credit loss provision to net charge-offs-250.0000%5,435
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.6094%443
Assets per employee ($millions)4.1255%3,599
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2181%4,340
Loan loss allowance to noncurrent loans1,755.1020%316
Noncurrent assets plus other real estate owned to assets0.0495%6,043
Noncurrent loans to loans0.0694%5,816
Net loans and leases to total assets70.4349%2,012
Net loans and leases to deposits85.5588%1,862
Net loans and leases to core deposits103.7057%1,042
Total domestic deposits to total assets82.3234%4,536
Equity capital to assets17.3625%379
Core capital (leverage) ratio17.2383%348
Tier 1 risk-based capital ratio23.1764%1,083
Total risk-based capital ratio24.3750%1,079
Memoranda:
Average total assets$104,465,3304,570
Average earning assets$98,962,6704,492
Average equity$17,174,0003,521
Average total loans$67,927,3304,300
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6010%1,504
Cost of funding earning assets0.3524%4,514
Net interest margin4.2486%1,103
Noninterest income to average assets0.6642%2,376
Noninterest expense to average assets4.6011%410
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.0672%6,093
Return on assets (ROA)0.0672%6,119
Pretax return on assets0.0672%6,128
Return on Equity (ROE)0.4194%6,160
Retained earnings to average equity (ytd only)0.4194%5,410
Net charge-offs to loans-0.2283%6,422
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.2414%535
Assets per employee ($millions)4.5993%2,816
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1209%5,023
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0170%6,262
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets63.2118%3,033
Net loans and leases to deposits75.7239%2,838
Net loans and leases to core deposits91.6728%1,766
Total domestic deposits to total assets83.4767%4,456
Equity capital to assets16.2747%489
Core capital (leverage) ratio15.5280%536
Tier 1 risk-based capital ratio22.3500%1,239
Total risk-based capital ratio23.3676%1,255
Memoranda:
Average total assets$107,192,0004,551
Average earning assets$101,021,0004,483
Average equity$17,165,5003,528
Average total loans$66,591,5004,371
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4892%2,251
Cost of funding earning assets0.3958%4,694
Net interest margin4.0934%1,663
Noninterest income to average assets3.1595%214
Noninterest expense to average assets6.1148%193
Loan and lease loss provision to assets0.2122%1,735
Net operating income to assets0.7568%3,507
Return on assets (ROA)0.7659%3,558
Pretax return on assets0.7659%4,277
Return on Equity (ROE)4.4156%4,930
Retained earnings to average equity (ytd only)4.4156%3,032
Net charge-offs to loans0.3839%1,756
Credit loss provision to net charge-offs89.4515%2,779
Earnings coverage of net charge-offs (x)4.0844%3,677
Efficiency ratio86.1362%1,403
Assets per employee ($millions)4.3440%3,185
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.0983%5,160
Loan loss allowance to noncurrent loans9,000.0000%86
Noncurrent assets plus other real estate owned to assets0.0239%6,328
Noncurrent loans to loans0.0122%6,244
Net loans and leases to total assets59.7026%3,771
Net loans and leases to deposits71.1986%3,629
Net loans and leases to core deposits90.8921%1,916
Total domestic deposits to total assets83.8536%4,219
Equity capital to assets15.7597%567
Core capital (leverage) ratio15.4079%555
Tier 1 risk-based capital ratio22.6026%1,160
Total risk-based capital ratio23.5830%1,176
Memoranda:
Average total assets$99,888,4004,741
Average earning assets$95,762,8004,626
Average equity$17,324,8003,514
Average total loans$61,728,2004,555
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5540%2,023
Cost of funding earning assets0.3908%4,898
Net interest margin4.1633%1,443
Noninterest income to average assets4.2710%164
Noninterest expense to average assets5.6437%234
Loan and lease loss provision to assets0.2866%1,200
Net operating income to assets2.3388%206
Return on assets (ROA)2.3511%214
Pretax return on assets2.3511%297
Return on Equity (ROE)13.2200%1,190
Retained earnings to average equity (ytd only)13.2200%316
Net charge-offs to loans0.4169%1,540
Credit loss provision to net charge-offs110.5263%2,135
Earnings coverage of net charge-offs (x)10.1262%2,393
Efficiency ratio68.1023%4,079
Assets per employee ($millions)3.3751%5,119
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.1937%4,893
Loan loss allowance to noncurrent loans49.8696%5,234
Noncurrent assets plus other real estate owned to assets1.3368%2,969
Noncurrent loans to loans2.3937%1,834
Net loans and leases to total assets55.1807%4,431
Net loans and leases to deposits65.9422%4,314
Net loans and leases to core deposits82.9134%2,772
Total domestic deposits to total assets83.6805%4,319
Equity capital to assets15.8254%578
Core capital (leverage) ratio15.9705%493
Tier 1 risk-based capital ratio26.5662%737
Total risk-based capital ratio27.7240%734
Memoranda:
Average total assets$97,710,5004,840
Average earning assets$93,833,7504,732
Average equity$17,377,2503,549
Average total loans$60,771,0004,631
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6886%1,599
Cost of funding earning assets0.3845%5,086
Net interest margin4.3041%1,023
Noninterest income to average assets6.1067%119
Noninterest expense to average assets5.6677%241
Loan and lease loss provision to assets0.4564%633
Net operating income to assets4.1182%56
Return on assets (ROA)4.1378%58
Pretax return on assets4.1378%79
Return on Equity (ROE)22.2478%197
Retained earnings to average equity (ytd only)22.2478%65
Net charge-offs to loans0.6369%1,031
Credit loss provision to net charge-offs110.5263%2,004
Earnings coverage of net charge-offs (x)11.0789%2,087
Efficiency ratio55.2302%6,047
Assets per employee ($millions)3.8268%4,155
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0338%5,693
Loan loss allowance to noncurrent loans124.5928%2,932
Noncurrent assets plus other real estate owned to assets0.5176%4,977
Noncurrent loans to loans0.8297%4,256
Net loans and leases to total assets61.7334%3,344
Net loans and leases to deposits73.4002%3,240
Net loans and leases to core deposits87.8318%2,126
Total domestic deposits to total assets84.1053%4,274
Equity capital to assets15.4976%617
Core capital (leverage) ratio15.9765%470
Tier 1 risk-based capital ratio22.9023%1,148
Total risk-based capital ratio23.8781%1,171
Memoranda:
Average total assets$92,030,0005,009
Average earning assets$88,427,3304,889
Average equity$17,116,3303,608
Average total loans$59,666,0004,686
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4993%2,173
Cost of funding earning assets0.3967%5,135
Net interest margin4.1026%1,452
Noninterest income to average assets0.1270%6,462
Noninterest expense to average assets5.3093%298
Loan and lease loss provision to assets0.0762%3,360
Net operating income to assets-1.2651%6,856
Return on assets (ROA)-1.2194%6,859
Pretax return on assets-1.2194%6,846
Return on Equity (ROE)-5.8245%6,714
Retained earnings to average equity (ytd only)-5.8245%6,409
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio128.7300%158
Assets per employee ($millions)4.3207%3,297
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4536%4,003
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets66.2479%2,325
Net loans and leases to deposits84.3809%1,550
Net loans and leases to core deposits120.3780%279
Total domestic deposits to total assets78.5105%6,045
Equity capital to assets21.0369%177
Core capital (leverage) ratio20.5104%171
Tier 1 risk-based capital ratio26.9729%713
Total risk-based capital ratio28.2230%698
Memoranda:
Average total assets$78,729,5005,393
Average earning assets$76,634,0005,246
Average equity$16,482,0003,743
Average total loans$52,499,0004,966
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6556%6,125
Cost of funding earning assets0.4076%5,865
Net interest margin3.2480%5,435
Noninterest income to average assets0.0979%6,516
Noninterest expense to average assets4.8641%423
Loan and lease loss provision to assets0.5222%1,117
Net operating income to assets-2.1458%6,946
Return on assets (ROA)-2.1159%6,950
Pretax return on assets-2.1159%6,943
Return on Equity (ROE)-8.9560%6,700
Retained earnings to average equity (ytd only)-8.9560%6,603
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio149.8531%92
Assets per employee ($millions)4.1940%3,559
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.4133%4,110
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets65.2185%2,668
Net loans and leases to deposits82.7297%1,903
Net loans and leases to core deposits105.6859%704
Total domestic deposits to total assets78.8332%5,924
Equity capital to assets20.8355%190
Core capital (leverage) ratio22.3525%126
Tier 1 risk-based capital ratio27.0588%684
Total risk-based capital ratio28.3032%676
Memoranda:
Average total assets$73,539,2005,529
Average earning assets$71,152,0005,390
Average equity$17,373,8003,561
Average total loans$36,646,6005,651
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4969%6,515
Cost of funding earning assets0.4084%6,069
Net interest margin3.0886%5,964
Noninterest income to average assets0.0667%6,747
Noninterest expense to average assets4.6090%502
Loan and lease loss provision to assets0.3963%1,619
Net operating income to assets-1.9554%7,031
Return on assets (ROA)-1.9147%7,038
Pretax return on assets-1.9147%7,018
Return on Equity (ROE)-7.8481%6,807
Retained earnings to average equity (ytd only)-7.8481%6,743
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio150.8804%88
Assets per employee ($millions)3.8088%4,286
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3441%4,610
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets58.3208%4,080
Net loans and leases to deposits76.7001%2,878
Net loans and leases to core deposits93.1842%1,667
Total domestic deposits to total assets76.0374%6,373
Equity capital to assets23.6834%122
Core capital (leverage) ratio23.4627%113
Tier 1 risk-based capital ratio32.3952%425
Total risk-based capital ratio33.5164%423
Memoranda:
Average total assets$72,002,5005,634
Average earning assets$69,545,0005,505
Average equity$17,566,5003,559
Average total loans$32,629,5005,898
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1447%6,913
Cost of funding earning assets0.3953%6,293
Net interest margin2.7495%6,649
Noninterest income to average assets0.0612%6,820
Noninterest expense to average assets4.7662%442
Loan and lease loss provision to assets0.2476%2,588
Net operating income to assets-2.3010%7,109
Return on assets (ROA)-2.3010%7,115
Pretax return on assets-2.3010%7,100
Return on Equity (ROE)-9.3399%6,894
Retained earnings to average equity (ytd only)-9.3399%6,818
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio175.3846%62
Assets per employee ($millions)3.5599%4,845
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.3812%4,536
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets45.1291%5,909
Net loans and leases to deposits59.8666%5,249
Net loans and leases to core deposits70.3378%4,496
Total domestic deposits to total assets75.3827%6,545
Equity capital to assets24.2619%109
Core capital (leverage) ratio24.7241%99
Tier 1 risk-based capital ratio39.2131%247
Total risk-based capital ratio40.2609%245
Memoranda:
Average total assets$71,881,0005,671
Average earning assets$69,322,0005,550
Average equity$17,709,0003,540
Average total loans$29,246,0006,101
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0775%7,015
Cost of funding earning assets0.3977%6,422
Net interest margin2.6799%6,797
Noninterest income to average assets0.0554%6,907
Noninterest expense to average assets4.8628%407
Loan and lease loss provision to assets0.3378%1,852
Net operating income to assets-2.5698%7,197
Return on assets (ROA)-2.5698%7,200
Pretax return on assets-2.5698%7,183
Return on Equity (ROE)-10.3534%6,995
Retained earnings to average equity (ytd only)-10.3534%6,850
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio184.6316%52
Assets per employee ($millions)3.9865%4,044
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4513%4,364
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets37.8314%6,501
Net loans and leases to deposits49.5162%6,178
Net loans and leases to core deposits55.8218%5,918
Total domestic deposits to total assets76.4021%6,501
Equity capital to assets23.3774%117
Core capital (leverage) ratio25.2129%95
Tier 1 risk-based capital ratio45.1898%163
Total risk-based capital ratio46.2904%164
Memoranda:
Average total assets$72,222,5005,704
Average earning assets$69,406,0005,582
Average equity$17,926,5003,513
Average total loans$27,578,5006,215
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2472%7,274
Cost of funding earning assets0.2634%7,161
Net interest margin1.9838%7,224
Noninterest income to average assets0.0318%6,895
Noninterest expense to average assets4.8942%409
Loan and lease loss provision to assets0.4496%2,359
Net operating income to assets-3.3978%7,218
Return on assets (ROA)-3.3978%7,222
Pretax return on assets-3.3978%7,223
Return on Equity (ROE)-11.0643%6,766
Retained earnings to average equity (ytd only)-11.0643%6,733
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio234.4490%38
Assets per employee ($millions)4.2938%3,265
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.3842%4,540
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets37.4361%6,668
Net loans and leases to deposits51.0176%6,288
Net loans and leases to core deposits58.3581%5,980
Total domestic deposits to total assets73.3788%6,773
Equity capital to assets26.4130%89
Core capital (leverage) ratio28.7484%71
Tier 1 risk-based capital ratio50.7425%129
Total risk-based capital ratio51.7670%131
Memoranda:
Average total assets$62,951,8005,957
Average earning assets$60,742,6005,846
Average equity$19,332,4003,239
Average total loans$16,351,4006,831
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0040%7,366
Cost of funding earning assets0.2306%7,296
Net interest margin1.7734%7,337
Noninterest income to average assets0.0325%7,008
Noninterest expense to average assets4.3002%713
Loan and lease loss provision to assets0.3490%2,784
Net operating income to assets-2.9001%7,257
Return on assets (ROA)-2.9001%7,265
Pretax return on assets-2.9001%7,260
Return on Equity (ROE)-9.0884%6,864
Retained earnings to average equity (ytd only)-9.0884%6,820
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio245.3532%29
Assets per employee ($millions)4.4536%2,997
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.2260%5,365
Loan loss allowance to noncurrent loans52.2976%4,872
Noncurrent assets plus other real estate owned to assets0.7330%5,324
Noncurrent loans to loans2.3443%2,955
Net loans and leases to total assets30.8821%7,059
Net loans and leases to deposits44.4698%6,811
Net loans and leases to core deposits51.0594%6,617
Total domestic deposits to total assets69.4451%7,064
Equity capital to assets30.4058%77
Core capital (leverage) ratio31.5071%67
Tier 1 risk-based capital ratio64.9676%94
Total risk-based capital ratio65.8235%94
Memoranda:
Average total assets$61,514,5006,047
Average earning assets$59,546,2505,921
Average equity$19,629,0003,203
Average total loans$13,919,2507,024
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7358%7,461
Cost of funding earning assets0.2254%7,393
Net interest margin1.5105%7,441
Noninterest income to average assets0.0392%7,081
Noninterest expense to average assets4.1087%905
Loan and lease loss provision to assets0.2743%3,195
Net operating income to assets-2.8774%7,297
Return on assets (ROA)-2.8774%7,302
Pretax return on assets-2.8774%7,292
Return on Equity (ROE)-8.8754%6,900
Retained earnings to average equity (ytd only)-8.8754%6,820
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio272.2343%30
Assets per employee ($millions)4.1834%3,385
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1368%5,808
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets24.0562%7,315
Net loans and leases to deposits36.1080%7,170
Net loans and leases to core deposits41.3519%7,088
Total domestic deposits to total assets66.6228%7,248
Equity capital to assets33.1928%66
Core capital (leverage) ratio33.0683%66
Tier 1 risk-based capital ratio83.1117%66
Total risk-based capital ratio83.8373%66
Memoranda:
Average total assets$61,236,0006,102
Average earning assets$59,452,3305,971
Average equity$19,852,6703,153
Average total loans$12,061,0007,167
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.4183%7,534
Cost of funding earning assets0.2549%7,431
Net interest margin1.1634%7,524
Noninterest income to average assets0.0320%7,212
Noninterest expense to average assets3.6183%1,731
Loan and lease loss provision to assets0.2046%3,594
Net operating income to assets-2.6530%7,363
Return on assets (ROA)-2.6530%7,364
Pretax return on assets-2.6530%7,343
Return on Equity (ROE)-8.2756%6,968
Retained earnings to average equity (ytd only)-8.2756%6,770
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio308.7432%27
Assets per employee ($millions)4.2723%3,292
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.9588%6,517
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets18.9979%7,441
Net loans and leases to deposits28.5151%7,379
Net loans and leases to core deposits32.5559%7,344
Total domestic deposits to total assets66.6238%7,311
Equity capital to assets33.1840%66
Core capital (leverage) ratio31.1199%73
Tier 1 risk-based capital ratio114.2108%48
Total risk-based capital ratio114.8519%48
Memoranda:
Average total assets$62,570,5006,108
Average earning assets$61,201,5005,961
Average equity$20,059,0003,103
Average total loans$10,966,0007,275
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.2861%7,630
Cost of funding earning assets0.1276%7,575
Net interest margin0.1585%7,636
Noninterest income to average assets0.0093%7,250
Noninterest expense to average assets1.1609%7,553
Loan and lease loss provision to assets0.1458%5,728
Net operating income to assets-1.1441%6,760
Return on assets (ROA)-1.1441%6,781
Pretax return on assets-1.1441%6,715
Return on Equity (ROE)-7.6490%6,601
Retained earnings to average equity (ytd only)-7.6490%6,508
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio712.6437%12
Assets per employee ($millions)5.9390%1,248
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.7458%7,058
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets15.8903%7,557
Net loans and leases to deposits23.1167%7,535
Net loans and leases to core deposits27.4281%7,501
Total domestic deposits to total assets68.7398%7,296
Equity capital to assets31.0276%75
Core capital (leverage) ratio33.3444%73
Tier 1 risk-based capital ratio179.7251%37
Total risk-based capital ratio180.4258%37
Memoranda:
Average total assets$53,494,0006,422
Average earning assets$51,724,6006,302
Average equity$8,001,0005,712
Average total loans$25,228,8006,661
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2619%7,017
Cost of funding earning assets1.5113%2,905
Net interest margin2.7506%7,180
Noninterest income to average assets0.0580%7,234
Noninterest expense to average assets3.2135%2,877
Loan and lease loss provision to assets1.3851%976
Net operating income to assets-1.8996%7,211
Return on assets (ROA)-1.8996%7,226
Pretax return on assets-1.8996%7,170
Return on Equity (ROE)-19.4574%7,209
Retained earnings to average equity (ytd only)-19.4574%7,191
Net charge-offs to loans2.9505%537
Credit loss provision to net charge-offs82.0313%5,070
Earnings coverage of net charge-offs (x)-0.3047%6,249
Efficiency ratio119.0616%407
Assets per employee ($millions)8.6840%385
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.9936%373
Loan loss allowance to noncurrent loans30.2855%6,317
Noncurrent assets plus other real estate owned to assets5.1635%1,227
Noncurrent loans to loans13.1867%222
Net loans and leases to total assets37.5933%7,199
Net loans and leases to deposits42.2012%7,296
Net loans and leases to core deposits51.3625%7,069
Total domestic deposits to total assets89.0811%1,351
Equity capital to assets10.7485%3,229
Core capital (leverage) ratio10.1498%3,097
Tier 1 risk-based capital ratio26.6067%729
Total risk-based capital ratio27.8920%703
Memoranda:
Average total assets$50,535,2506,590
Average earning assets$48,521,7506,485
Average equity$4,933,7506,774
Average total loans$28,921,2506,536
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1825%7,195
Cost of funding earning assets1.5109%3,197
Net interest margin2.6716%7,284
Noninterest income to average assets0.0454%7,353
Noninterest expense to average assets3.1527%3,080
Loan and lease loss provision to assets1.9355%633
Net operating income to assets-2.4760%7,410
Return on assets (ROA)-2.4760%7,421
Pretax return on assets-2.4760%7,361
Return on Equity (ROE)-26.0817%7,382
Retained earnings to average equity (ytd only)-26.0817%7,366
Net charge-offs to loans2.9671%536
Credit loss provision to net charge-offs104.9180%3,886
Earnings coverage of net charge-offs (x)-0.2930%5,927
Efficiency ratio120.6946%410
Assets per employee ($millions)9.5282%287
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6908%1,102
Loan loss allowance to noncurrent loans65.5974%4,059
Noncurrent assets plus other real estate owned to assets2.6175%2,762
Noncurrent loans to loans4.1020%1,834
Net loans and leases to total assets62.0936%4,666
Net loans and leases to deposits69.0781%5,406
Net loans and leases to core deposits81.1310%4,537
Total domestic deposits to total assets89.8890%979
Equity capital to assets9.9221%4,110
Core capital (leverage) ratio9.2900%4,138
Tier 1 risk-based capital ratio15.0995%3,107
Total risk-based capital ratio16.3676%3,051
Memoranda:
Average total assets$52,907,0006,557
Average earning assets$50,830,3306,452
Average equity$5,022,6706,773
Average total loans$32,894,3306,387
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1992%7,266
Cost of funding earning assets1.4949%3,596
Net interest margin2.7043%7,296
Noninterest income to average assets0.0360%7,529
Noninterest expense to average assets2.8520%4,270
Loan and lease loss provision to assets3.6874%246
Net operating income to assets-3.9107%7,711
Return on assets (ROA)-3.9107%7,714
Pretax return on assets-3.9107%7,682
Return on Equity (ROE)-42.0075%7,661
Retained earnings to average equity (ytd only)-42.0075%7,645
Net charge-offs to loans5.7408%193
Credit loss provision to net charge-offs104.4898%3,282
Earnings coverage of net charge-offs (x)-0.0633%5,075
Efficiency ratio108.4932%633
Assets per employee ($millions)11.0140%205
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.4832%1,317
Loan loss allowance to noncurrent loans71.0183%3,809
Noncurrent assets plus other real estate owned to assets2.0864%3,406
Noncurrent loans to loans3.4965%2,280
Net loans and leases to total assets58.1896%5,398
Net loans and leases to deposits63.9404%6,054
Net loans and leases to core deposits71.8337%5,735
Total domestic deposits to total assets91.0060%544
Equity capital to assets8.8669%5,454
Core capital (leverage) ratio8.2545%5,827
Tier 1 risk-based capital ratio14.2543%3,509
Total risk-based capital ratio15.5197%3,471
Memoranda:
Average total assets$55,540,0006,548
Average earning assets$53,248,5006,427
Average equity$5,170,5006,793
Average total loans$34,141,5006,414
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3666%4,855
Cost of funding earning assets1.8734%3,606
Net interest margin3.4932%4,985
Noninterest income to average assets0.0811%7,349
Noninterest expense to average assets2.7098%5,342
Loan and lease loss provision to assets0.6473%3,214
Net operating income to assets-0.5243%6,214
Return on assets (ROA)-0.4869%6,155
Pretax return on assets0.1113%5,197
Return on Equity (ROE)-4.6024%6,180
Retained earnings to average equity (ytd only)-4.6024%5,973
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4687%2,960
Assets per employee ($millions)9.3350%321
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.2415%1,578
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets61.8247%5,029
Net loans and leases to deposits68.6138%5,762
Net loans and leases to core deposits101.5931%3,837
Total domestic deposits to total assets90.1053%913
Equity capital to assets9.7447%4,080
Core capital (leverage) ratio10.1568%2,944
Tier 1 risk-based capital ratio14.6814%3,112
Total risk-based capital ratio15.9424%3,062
Memoranda:
Average total assets$52,993,4006,595
Average earning assets$50,497,6006,518
Average equity$5,605,8006,740
Average total loans$40,442,0006,080
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5917%3,913
Cost of funding earning assets1.9087%3,837
Net interest margin3.6831%4,148
Noninterest income to average assets0.0868%7,460
Noninterest expense to average assets2.8535%4,652
Loan and lease loss provision to assets0.8423%2,271
Net operating income to assets-0.0659%5,836
Return on assets (ROA)-0.0153%5,798
Pretax return on assets-0.0281%5,751
Return on Equity (ROE)-0.1418%5,800
Retained earnings to average equity (ytd only)-0.1418%5,243
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5164%2,918
Assets per employee ($millions)8.5007%431
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.0687%1,653
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets72.4904%2,919
Net loans and leases to deposits81.8802%4,049
Net loans and leases to core deposits128.7271%1,523
Total domestic deposits to total assets88.5323%1,420
Equity capital to assets11.0854%2,939
Core capital (leverage) ratio11.7245%1,955
Tier 1 risk-based capital ratio13.8897%3,613
Total risk-based capital ratio15.1489%3,550
Memoranda:
Average total assets$52,239,2506,672
Average earning assets$49,667,2506,585
Average equity$5,642,7506,798
Average total loans$41,697,0006,076
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6668%3,732
Cost of funding earning assets1.9432%4,043
Net interest margin3.7235%3,860
Noninterest income to average assets0.0874%7,536
Noninterest expense to average assets2.8186%4,875
Loan and lease loss provision to assets0.4330%3,393
Net operating income to assets0.2399%5,131
Return on assets (ROA)0.3153%4,939
Pretax return on assets0.5128%4,574
Return on Equity (ROE)2.9438%4,923
Retained earnings to average equity (ytd only)2.9438%3,687
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2917%3,458
Assets per employee ($millions)7.8768%519
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4327%3,556
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets82.2496%913
Net loans and leases to deposits93.8756%2,109
Net loans and leases to core deposits110.6708%3,311
Total domestic deposits to total assets87.6156%1,962
Equity capital to assets12.0480%2,177
Core capital (leverage) ratio11.2960%2,197
Tier 1 risk-based capital ratio13.8471%3,603
Total risk-based capital ratio15.0999%3,543
Memoranda:
Average total assets$52,651,0006,716
Average earning assets$50,328,6706,616
Average equity$5,639,0006,852
Average total loans$43,011,3306,066
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6038%4,333
Cost of funding earning assets1.8352%4,942
Net interest margin3.7686%3,592
Noninterest income to average assets0.0867%7,621
Noninterest expense to average assets2.4211%6,126
Loan and lease loss provision to assets0.7805%1,647
Net operating income to assets0.2975%5,309
Return on assets (ROA)0.4409%4,864
Pretax return on assets0.7155%4,378
Return on Equity (ROE)4.3482%4,775
Retained earnings to average equity (ytd only)4.3482%3,498
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5577%5,412
Assets per employee ($millions)8.5873%410
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2543%4,385
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets85.4087%510
Net loans and leases to deposits96.4114%1,885
Net loans and leases to core deposits113.0853%3,092
Total domestic deposits to total assets88.5878%1,434
Equity capital to assets10.9541%3,006
Core capital (leverage) ratio10.1493%3,241
Tier 1 risk-based capital ratio12.4129%4,605
Total risk-based capital ratio13.6535%4,537
Memoranda:
Average total assets$55,346,0006,656
Average earning assets$52,964,0006,545
Average equity$5,611,5006,913
Average total loans$44,798,5006,025
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1285%8,087
Cost of funding earning assets1.1105%7,999
Net interest margin3.0180%6,860
Noninterest income to average assets0.0907%7,681
Noninterest expense to average assets5.4891%503
Loan and lease loss provision to assets1.7784%711
Net operating income to assets-2.8603%7,791
Return on assets (ROA)-2.8116%7,751
Pretax return on assets-4.2943%7,942
Return on Equity (ROE)-12.0447%7,427
Retained earnings to average equity (ytd only)-12.0447%7,247
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio189.3878%219
Assets per employee ($millions)9.8613%274
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0015%6,038
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets75.3465%2,794
Net loans and leases to deposits83.5241%4,492
Net loans and leases to core deposits93.7048%5,470
Total domestic deposits to total assets90.2092%573
Equity capital to assets9.4291%4,789
Core capital (leverage) ratio21.9829%337
Tier 1 risk-based capital ratio11.9165%4,894
Total risk-based capital ratio12.8880%5,004
Memoranda:
Average total assets$25,359,4007,831
Average earning assets$23,592,0007,800
Average equity$5,919,6006,836
Average total loans$14,617,0007,672