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Granite Savings Bank, Performance and Condition Ratios

2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8596%6,162
Cost of funding earning assets0.5688%2,055
Net interest margin2.2908%6,274
Noninterest income to average assets0.3435%4,643
Noninterest expense to average assets3.8224%956
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets-1.9112%6,453
Return on assets (ROA)-1.0055%6,381
Pretax return on assets-0.6106%6,310
Return on Equity (ROE)-7.1954%6,326
Retained earnings to average equity (ytd only)-7.1954%6,247
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio165.7543%37
Assets per employee ($millions)4.9981%2,324
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.9386%1,222
Loan loss allowance to noncurrent loans136.9021%3,009
Noncurrent assets plus other real estate owned to assets0.6756%3,551
Noncurrent loans to loans1.4161%2,075
Net loans and leases to total assets46.7872%5,264
Net loans and leases to deposits54.4520%5,296
Net loans and leases to core deposits58.8862%5,207
Total domestic deposits to total assets85.9238%2,884
Equity capital to assets13.5037%1,158
Core capital (leverage) ratio13.7192%896
Tier 1 risk-based capital ratio24.6449%873
Total risk-based capital ratio25.9004%855
Memoranda:
Average total assets$68,125,2005,341
Average earning assets$58,364,4005,446
Average equity$9,520,0004,858
Average total loans$36,351,6005,318
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8128%6,273
Cost of funding earning assets0.5702%2,105
Net interest margin2.2426%6,365
Noninterest income to average assets0.3734%4,442
Noninterest expense to average assets3.1285%2,386
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets-1.2673%6,489
Return on assets (ROA)-0.8165%6,434
Pretax return on assets-0.3792%6,322
Return on Equity (ROE)-5.7966%6,381
Retained earnings to average equity (ytd only)-5.7966%6,279
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio136.1111%81
Assets per employee ($millions)4.8006%2,512
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.8476%1,579
Loan loss allowance to noncurrent loans2,072.4138%296
Noncurrent assets plus other real estate owned to assets0.0431%5,992
Noncurrent loans to loans0.0892%5,679
Net loans and leases to total assets47.5055%5,245
Net loans and leases to deposits58.6168%5,055
Net loans and leases to core deposits63.5017%4,928
Total domestic deposits to total assets81.0442%4,811
Equity capital to assets14.0963%973
Core capital (leverage) ratio13.5217%992
Tier 1 risk-based capital ratio22.5335%1,180
Total risk-based capital ratio24.2270%1,095
Memoranda:
Average total assets$68,912,7505,376
Average earning assets$59,155,7505,480
Average equity$9,706,5004,847
Average total loans$37,689,2505,314
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7671%6,361
Cost of funding earning assets0.5635%2,227
Net interest margin2.2036%6,449
Noninterest income to average assets0.3713%4,464
Noninterest expense to average assets3.1951%2,209
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets-0.6599%6,478
Return on assets (ROA)-0.3656%6,404
Pretax return on assets-0.5181%6,426
Return on Equity (ROE)-2.5961%6,361
Retained earnings to average equity (ytd only)-2.5961%6,061
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio141.2214%65
Assets per employee ($millions)5.3618%1,824
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.6112%2,421
Loan loss allowance to noncurrent loans65.8269%4,642
Noncurrent assets plus other real estate owned to assets1.3098%2,491
Noncurrent loans to loans2.4477%1,279
Net loans and leases to total assets52.6512%4,681
Net loans and leases to deposits65.5732%4,311
Net loans and leases to core deposits71.3342%4,120
Total domestic deposits to total assets80.2938%5,180
Equity capital to assets14.0035%968
Core capital (leverage) ratio13.6997%919
Tier 1 risk-based capital ratio20.6834%1,512
Total risk-based capital ratio22.3940%1,394
Memoranda:
Average total assets$69,480,6705,407
Average earning assets$59,628,6705,512
Average equity$9,784,0004,850
Average total loans$39,409,3305,303
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1426%6,070
Cost of funding earning assets0.5585%2,359
Net interest margin2.5841%6,258
Noninterest income to average assets0.2768%5,156
Noninterest expense to average assets3.2118%2,192
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets-0.5101%6,474
Return on assets (ROA)-0.4036%6,436
Pretax return on assets-0.5709%6,480
Return on Equity (ROE)-2.8585%6,400
Retained earnings to average equity (ytd only)-2.8585%5,950
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio128.9352%123
Assets per employee ($millions)4.6717%2,700
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4897%3,183
Loan loss allowance to noncurrent loans306.6327%1,460
Noncurrent assets plus other real estate owned to assets0.2797%5,323
Noncurrent loans to loans0.4858%4,702
Net loans and leases to total assets56.7156%4,047
Net loans and leases to deposits71.6431%3,387
Net loans and leases to core deposits78.0871%3,195
Total domestic deposits to total assets79.1641%5,662
Equity capital to assets13.9477%937
Core capital (leverage) ratio13.7251%915
Tier 1 risk-based capital ratio19.5756%1,817
Total risk-based capital ratio21.2216%1,695
Memoranda:
Average total assets$69,369,0005,463
Average earning assets$59,441,5005,569
Average equity$9,795,5004,869
Average total loans$40,463,5005,298
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1811%6,157
Cost of funding earning assets0.6146%2,528
Net interest margin2.5665%6,303
Noninterest income to average assets0.4533%4,069
Noninterest expense to average assets3.1090%2,707
Loan and lease loss provision to assets-0.0708%6,434
Net operating income to assets-0.1833%6,357
Return on assets (ROA)0.0297%6,208
Pretax return on assets-0.0340%6,255
Return on Equity (ROE)0.2149%6,211
Retained earnings to average equity (ytd only)0.2149%5,748
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio116.3839%203
Assets per employee ($millions)4.5775%2,760
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.4810%3,279
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets58.2287%4,001
Net loans and leases to deposits74.5316%3,190
Net loans and leases to core deposits80.6459%3,050
Total domestic deposits to total assets78.1262%5,812
Equity capital to assets14.2976%827
Core capital (leverage) ratio14.1486%789
Tier 1 risk-based capital ratio19.9146%1,674
Total risk-based capital ratio21.5460%1,556
Memoranda:
Average total assets$70,600,6005,456
Average earning assets$61,015,8005,562
Average equity$9,772,0004,900
Average total loans$41,022,2005,302
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2823%6,086
Cost of funding earning assets0.6275%2,575
Net interest margin2.6548%6,242
Noninterest income to average assets0.3695%4,754
Noninterest expense to average assets3.0667%2,770
Loan and lease loss provision to assets-0.0938%6,621
Net operating income to assets-0.2123%6,476
Return on assets (ROA)0.0338%6,302
Pretax return on assets0.0825%6,223
Return on Equity (ROE)0.2459%6,320
Retained earnings to average equity (ytd only)0.2459%5,867
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.8174%213
Assets per employee ($millions)4.6097%2,702
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4683%3,603
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets58.3288%3,956
Net loans and leases to deposits74.9847%3,092
Net loans and leases to core deposits81.7380%2,900
Total domestic deposits to total assets77.7876%5,934
Equity capital to assets14.0890%941
Core capital (leverage) ratio13.6906%954
Tier 1 risk-based capital ratio19.9735%1,747
Total risk-based capital ratio21.5111%1,646
Memoranda:
Average total assets$71,085,2505,500
Average earning assets$61,622,5005,606
Average equity$9,760,7504,957
Average total loans$41,132,2505,349
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2952%6,095
Cost of funding earning assets0.6366%2,622
Net interest margin2.6585%6,245
Noninterest income to average assets0.4489%4,166
Noninterest expense to average assets3.0670%2,773
Loan and lease loss provision to assets-0.1394%6,742
Net operating income to assets-0.1242%6,430
Return on assets (ROA)0.0613%6,298
Pretax return on assets0.1283%6,188
Return on Equity (ROE)0.4505%6,316
Retained earnings to average equity (ytd only)0.4505%5,714
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.8871%266
Assets per employee ($millions)4.8205%2,341
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.3935%4,062
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets58.8173%3,853
Net loans and leases to deposits75.2806%2,977
Net loans and leases to core deposits82.2945%2,770
Total domestic deposits to total assets78.1307%5,954
Equity capital to assets13.4330%1,170
Core capital (leverage) ratio13.7107%909
Tier 1 risk-based capital ratio19.1489%1,955
Total risk-based capital ratio20.7174%1,840
Memoranda:
Average total assets$71,731,6705,515
Average earning assets$62,515,6705,607
Average equity$9,767,0004,994
Average total loans$41,198,6705,368
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2906%6,166
Cost of funding earning assets0.6389%2,751
Net interest margin2.6516%6,294
Noninterest income to average assets0.4703%3,993
Noninterest expense to average assets3.0737%2,756
Loan and lease loss provision to assets-0.2799%6,920
Net operating income to assets-0.0470%6,396
Return on assets (ROA)0.0784%6,279
Pretax return on assets0.1960%6,090
Return on Equity (ROE)0.5718%6,315
Retained earnings to average equity (ytd only)0.5718%5,602
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.0200%327
Assets per employee ($millions)4.6925%2,667
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4999%3,834
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 assets56.0743%4,066
Net loans and leases to deposits69.4779%3,579
Net loans and leases to core deposits76.2362%3,290
Total domestic deposits to total assets80.7081%5,568
Equity capital to assets13.9699%1,036
Core capital (leverage) ratio13.6677%887
Tier 1 risk-based capital ratio21.6507%1,391
Total risk-based capital ratio23.3809%1,279
Memoranda:
Average total assets$71,444,0005,579
Average earning assets$62,603,5005,658
Average equity$9,794,0005,037
Average total loans$40,233,0005,452
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5736%6,263
Cost of funding earning assets0.7284%3,269
Net interest margin2.8452%6,324
Noninterest income to average assets0.4345%4,360
Noninterest expense to average assets3.0556%3,074
Loan and lease loss provision to assets0.0512%5,171
Net operating income to assets-0.0275%6,211
Return on assets (ROA)0.0664%6,210
Pretax return on assets-0.0014%6,287
Return on Equity (ROE)0.4912%6,225
Retained earnings to average equity (ytd only)0.4912%5,603
Net charge-offs to loans-0.0097%6,457
Credit loss provision to net charge-offs-925.0000%6,579
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.2741%454
Assets per employee ($millions)4.8334%2,445
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.6115%3,258
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 assets54.8199%4,484
Net loans and leases to deposits67.6165%4,041
Net loans and leases to core deposits73.9387%3,788
Total domestic deposits to total assets81.0747%5,383
Equity capital to assets13.4550%1,248
Core capital (leverage) ratio13.5781%919
Tier 1 risk-based capital ratio22.4505%1,186
Total risk-based capital ratio23.9976%1,133
Memoranda:
Average total assets$72,260,2005,574
Average earning assets$64,109,0005,605
Average equity$9,771,4005,037
Average total loans$41,268,6005,453
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6404%6,333
Cost of funding earning assets0.7502%3,349
Net interest margin2.8902%6,379
Noninterest income to average assets0.3989%4,643
Noninterest expense to average assets3.0655%2,995
Loan and lease loss provision to assets0.0554%5,045
Net operating income to assets-0.0794%6,384
Return on assets (ROA)0.1163%6,235
Pretax return on assets0.0351%6,358
Return on Equity (ROE)0.8593%6,272
Retained earnings to average equity (ytd only)0.8593%5,820
Net charge-offs to loans-0.0128%6,413
Credit loss provision to net charge-offs-750.0000%6,496
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.5558%427
Assets per employee ($millions)4.8041%2,435
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.5333%3,802
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 assets57.3930%4,219
Net loans and leases to deposits71.3032%3,706
Net loans and leases to core deposits78.7681%3,358
Total domestic deposits to total assets80.4915%5,518
Equity capital to assets13.6593%1,284
Core capital (leverage) ratio13.5033%1,009
Tier 1 risk-based capital ratio22.2560%1,285
Total risk-based capital ratio23.8771%1,210
Memoranda:
Average total assets$72,200,0005,628
Average earning assets$63,984,0005,669
Average equity$9,775,5005,082
Average total loans$41,486,7505,501
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6647%6,398
Cost of funding earning assets0.7755%3,398
Net interest margin2.8892%6,444
Noninterest income to average assets0.4125%4,563
Noninterest expense to average assets3.0701%3,016
Loan and lease loss provision to assets0.0609%4,888
Net operating income to assets-0.1214%6,459
Return on assets (ROA)0.0664%6,368
Pretax return on assets0.1329%6,254
Return on Equity (ROE)0.4922%6,394
Retained earnings to average equity (ytd only)0.4922%5,872
Net charge-offs to loans-0.0194%6,423
Credit loss provision to net charge-offs-550.0000%6,306
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.3551%449
Assets per employee ($millions)4.7779%2,467
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5238%3,900
Loan loss allowance to noncurrent loans125.1969%2,616
Noncurrent assets plus other real estate owned to assets0.7088%5,018
Noncurrent loans to loans1.2171%4,114
Net loans and leases to total assets57.3492%4,273
Net loans and leases to deposits71.4179%3,694
Net loans and leases to core deposits78.7240%3,411
Total domestic deposits to total assets80.3008%5,664
Equity capital to assets13.6128%1,259
Core capital (leverage) ratio13.4937%980
Tier 1 risk-based capital ratio22.4118%1,217
Total risk-based capital ratio23.9900%1,150
Memoranda:
Average total assets$72,246,3305,659
Average earning assets$63,961,3305,708
Average equity$9,753,0005,091
Average total loans$41,315,0005,540
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6540%6,503
Cost of funding earning assets0.8092%3,400
Net interest margin2.8448%6,562
Noninterest income to average assets0.3033%5,451
Noninterest expense to average assets3.0881%2,960
Loan and lease loss provision to assets0.0827%4,353
Net operating income to assets-0.2534%6,679
Return on assets (ROA)0.0607%6,432
Pretax return on assets0.1434%6,313
Return on Equity (ROE)0.4512%6,452
Retained earnings to average equity (ytd only)0.4512%5,851
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio109.3750%347
Assets per employee ($millions)4.7239%2,631
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5216%4,062
Loan loss allowance to noncurrent loans122.3092%2,575
Noncurrent assets plus other real estate owned to assets0.7212%5,107
Noncurrent loans to loans1.2440%4,261
Net loans and leases to total assets57.0866%4,206
Net loans and leases to deposits71.4240%3,522
Net loans and leases to core deposits79.0599%3,172
Total domestic deposits to total assets79.9263%5,867
Equity capital to assets13.7555%1,111
Core capital (leverage) ratio13.3759%996
Tier 1 risk-based capital ratio22.9537%1,138
Total risk-based capital ratio24.5243%1,077
Memoranda:
Average total assets$72,535,5005,694
Average earning assets$64,258,5005,745
Average equity$9,751,5005,103
Average total loans$41,104,0005,594
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9180%6,586
Cost of funding earning assets0.9342%3,842
Net interest margin2.9838%6,554
Noninterest income to average assets0.2333%5,867
Noninterest expense to average assets2.9316%3,838
Loan and lease loss provision to assets0.0823%5,582
Net operating income to assets-0.0697%6,129
Return on assets (ROA)0.0041%6,156
Pretax return on assets-0.0220%6,152
Return on Equity (ROE)0.0310%6,158
Retained earnings to average equity (ytd only)0.0310%5,825
Net charge-offs to loans-0.0025%6,804
Credit loss provision to net charge-offs-6,000.0000%6,947
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.9084%623
Assets per employee ($millions)4.9475%2,278
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.4830%4,096
Loan loss allowance to noncurrent loans219.4245%1,510
Noncurrent assets plus other real estate owned to assets0.3746%6,039
Noncurrent loans to loans0.6759%5,346
Net loans and leases to total assets54.6030%4,932
Net loans and leases to deposits68.0516%4,447
Net loans and leases to core deposits74.9131%4,114
Total domestic deposits to total assets80.2377%5,676
Equity capital to assets13.1461%1,422
Core capital (leverage) ratio13.3086%1,039
Tier 1 risk-based capital ratio22.5035%1,166
Total risk-based capital ratio24.0920%1,095
Memoranda:
Average total assets$72,861,4005,672
Average earning assets$64,548,4005,715
Average equity$9,685,0005,100
Average total loans$40,466,8005,668
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9670%6,638
Cost of funding earning assets0.9699%3,892
Net interest margin2.9970%6,587
Noninterest income to average assets0.2537%5,805
Noninterest expense to average assets3.0132%3,509
Loan and lease loss provision to assets0.0827%5,408
Net operating income to assets-0.1798%6,364
Return on assets (ROA)-0.0331%6,300
Pretax return on assets-0.0349%6,265
Return on Equity (ROE)-0.2483%6,293
Retained earnings to average equity (ytd only)-0.2483%6,019
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.6686%560
Assets per employee ($millions)4.8390%2,411
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4507%4,330
Loan loss allowance to noncurrent loans173.1778%1,763
Noncurrent assets plus other real estate owned to assets0.4725%5,898
Noncurrent loans to loans0.8377%5,199
Net loans and leases to total assets55.5928%4,906
Net loans and leases to deposits66.2736%4,859
Net loans and leases to core deposits72.7745%4,610
Total domestic deposits to total assets83.8837%4,286
Equity capital to assets13.2314%1,500
Core capital (leverage) ratio12.8283%1,282
Tier 1 risk-based capital ratio22.7785%1,177
Total risk-based capital ratio24.1972%1,134
Memoranda:
Average total assets$72,523,7505,722
Average earning assets$64,195,2505,768
Average equity$9,667,2505,139
Average total loans$40,300,5005,730
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9912%6,678
Cost of funding earning assets0.9931%3,990
Net interest margin2.9981%6,615
Noninterest income to average assets0.1572%6,530
Noninterest expense to average assets3.0564%3,406
Loan and lease loss provision to assets0.0828%5,275
Net operating income to assets-0.2533%6,518
Return on assets (ROA)-0.1048%6,409
Pretax return on assets-0.1352%6,397
Return on Equity (ROE)-0.7844%6,380
Retained earnings to average equity (ytd only)-0.7844%6,012
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.6275%505
Assets per employee ($millions)4.9871%2,142
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4333%4,426
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 assets53.2257%5,396
Net loans and leases to deposits63.1118%5,381
Net loans and leases to core deposits70.8823%4,965
Total domestic deposits to total assets84.3355%4,202
Equity capital to assets13.0297%1,504
Core capital (leverage) ratio12.8925%1,203
Tier 1 risk-based capital ratio22.8608%1,141
Total risk-based capital ratio24.4333%1,076
Memoranda:
Average total assets$72,503,3305,765
Average earning assets$64,241,6705,814
Average equity$9,688,3305,126
Average total loans$40,085,3305,793
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0786%6,547
Cost of funding earning assets1.0260%4,019
Net interest margin3.0526%6,455
Noninterest income to average assets0.1514%6,640
Noninterest expense to average assets3.1562%3,043
Loan and lease loss provision to assets0.0841%4,944
Net operating income to assets-0.2676%6,628
Return on assets (ROA)-0.2018%6,576
Pretax return on assets-0.2915%6,615
Return on Equity (ROE)-1.4908%6,538
Retained earnings to average equity (ytd only)-1.4908%6,070
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.6090%490
Assets per employee ($millions)4.7022%2,572
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4078%4,625
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 assets56.0007%4,993
Net loans and leases to deposits67.1261%4,810
Net loans and leases to core deposits76.3989%4,250
Total domestic deposits to total assets83.4262%4,732
Equity capital to assets13.6943%1,110
Core capital (leverage) ratio13.5116%965
Tier 1 risk-based capital ratio23.2162%1,059
Total risk-based capital ratio24.7643%1,004
Memoranda:
Average total assets$71,352,0005,836
Average earning assets$63,159,0005,890
Average equity$9,659,0005,130
Average total loans$39,930,5005,854
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1840%6,949
Cost of funding earning assets1.2408%4,280
Net interest margin2.9433%6,831
Noninterest income to average assets1.0385%1,389
Noninterest expense to average assets3.2238%3,004
Loan and lease loss provision to assets0.0878%6,273
Net operating income to assets0.1686%5,378
Return on assets (ROA)0.1770%5,519
Pretax return on assets0.3042%5,221
Return on Equity (ROE)1.2667%5,631
Retained earnings to average equity (ytd only)1.2667%4,918
Net charge-offs to loans0.0479%6,320
Credit loss provision to net charge-offs333.3333%768
Earnings coverage of net charge-offs (x)14.3889%1,345
Efficiency ratio89.4844%1,362
Assets per employee ($millions)4.8114%2,407
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.3795%4,616
Loan loss allowance to noncurrent loans274.5000%1,111
Noncurrent assets plus other real estate owned to assets0.2771%6,557
Noncurrent loans to loans0.5025%6,034
Net loans and leases to total assets54.3833%5,586
Net loans and leases to deposits64.9399%5,523
Net loans and leases to core deposits73.6144%5,027
Total domestic deposits to total assets83.7442%4,481
Equity capital to assets13.3835%1,225
Core capital (leverage) ratio13.7576%908
Tier 1 risk-based capital ratio22.9365%1,047
Total risk-based capital ratio24.4031%997
Memoranda:
Average total assets$68,366,4005,924
Average earning assets$59,559,8006,010
Average equity$9,552,2005,248
Average total loans$37,570,8006,030
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2910%6,976
Cost of funding earning assets1.2912%4,274
Net interest margin2.9998%6,831
Noninterest income to average assets1.3211%785
Noninterest expense to average assets3.2791%2,639
Loan and lease loss provision to assets0.0890%6,156
Net operating income to assets0.2745%5,261
Return on assets (ROA)0.2808%5,398
Pretax return on assets0.5637%4,711
Return on Equity (ROE)1.9876%5,612
Retained earnings to average equity (ytd only)1.9876%4,960
Net charge-offs to loans-0.0036%7,189
Credit loss provision to net charge-offs-4,500.0000%7,180
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.6107%1,878
Assets per employee ($millions)4.5020%2,906
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.5017%3,948
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.4768%6,233
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets53.7139%5,886
Net loans and leases to deposits65.4464%5,731
Net loans and leases to core deposits73.1252%5,392
Total domestic deposits to total assets82.0732%4,964
Equity capital to assets14.4054%1,046
Core capital (leverage) ratio14.3396%849
Tier 1 risk-based capital ratio24.0683%934
Total risk-based capital ratio25.4333%900
Memoranda:
Average total assets$67,415,2506,018
Average earning assets$58,446,7506,111
Average equity$9,525,5005,336
Average total loans$37,014,0006,145
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3404%6,981
Cost of funding earning assets1.3289%4,349
Net interest margin3.0115%6,805
Noninterest income to average assets0.2167%6,370
Noninterest expense to average assets3.4077%2,242
Loan and lease loss provision to assets0.0891%6,033
Net operating income to assets-0.4735%6,623
Return on assets (ROA)-0.4631%6,654
Pretax return on assets-0.6619%6,701
Return on Equity (ROE)-3.2988%6,544
Retained earnings to average equity (ytd only)-3.2988%6,338
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio120.8421%406
Assets per employee ($millions)4.4807%2,908
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4418%4,222
Loan loss allowance to noncurrent loans232.4675%1,212
Noncurrent assets plus other real estate owned to assets0.8228%5,475
Noncurrent loans to loans0.6202%6,009
Net loans and leases to total assets54.6184%5,896
Net loans and leases to deposits66.1781%5,783
Net loans and leases to core deposits72.4544%5,627
Total domestic deposits to total assets82.5324%4,771
Equity capital to assets13.9518%1,174
Core capital (leverage) ratio13.8163%970
Tier 1 risk-based capital ratio23.2733%1,032
Total risk-based capital ratio24.5245%1,009
Memoranda:
Average total assets$67,377,0006,055
Average earning assets$58,243,6706,161
Average equity$9,458,0005,354
Average total loans$37,076,6706,191
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3554%7,061
Cost of funding earning assets1.3628%4,403
Net interest margin2.9926%6,845
Noninterest income to average assets0.2372%6,259
Noninterest expense to average assets3.4450%2,120
Loan and lease loss provision to assets0.0889%5,749
Net operating income to assets-0.4921%6,824
Return on assets (ROA)-0.4921%6,849
Pretax return on assets-0.7056%6,901
Return on Equity (ROE)-3.4953%6,777
Retained earnings to average equity (ytd only)-3.4953%6,429
Net charge-offs to loans0.0324%5,122
Credit loss provision to net charge-offs500.0000%830
Earnings coverage of net charge-offs (x)-34.6667%5,591
Efficiency ratio121.8029%424
Assets per employee ($millions)4.4729%3,004
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3898%4,467
Loan loss allowance to noncurrent loans224.6753%1,287
Noncurrent assets plus other real estate owned to assets0.3443%6,617
Noncurrent loans to loans0.6186%6,072
Net loans and leases to total assets54.8850%5,907
Net loans and leases to deposits65.6458%5,862
Net loans and leases to core deposits72.4782%5,658
Total domestic deposits to total assets83.6078%4,337
Equity capital to assets14.1043%1,110
Core capital (leverage) ratio13.8319%997
Tier 1 risk-based capital ratio23.6719%996
Total risk-based capital ratio25.0341%965
Memoranda:
Average total assets$67,460,5006,122
Average earning assets$58,410,0006,231
Average equity$9,498,5005,386
Average total loans$36,992,0006,266
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7342%7,082
Cost of funding earning assets1.5793%5,134
Net interest margin3.1549%6,219
Noninterest income to average assets0.4395%4,888
Noninterest expense to average assets3.2587%3,156
Loan and lease loss provision to assets0.0935%6,667
Net operating income to assets-0.1044%5,688
Return on assets (ROA)-0.0545%5,616
Pretax return on assets-0.0857%5,581
Return on Equity (ROE)-0.3644%5,598
Retained earnings to average equity (ytd only)-0.3644%5,050
Net charge-offs to loans-0.0054%7,723
Credit loss provision to net charge-offs-3,000.0000%7,487
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.1994%1,004
Assets per employee ($millions)4.8449%2,418
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.3837%4,316
Loan loss allowance to noncurrent loans219.4805%1,359
Noncurrent assets plus other real estate owned to assets0.3406%6,593
Noncurrent loans to loans0.6304%5,976
Net loans and leases to total assets53.2730%6,275
Net loans and leases to deposits63.8884%6,276
Net loans and leases to core deposits89.1625%5,208
Total domestic deposits to total assets83.3844%4,340
Equity capital to assets14.0561%1,152
Core capital (leverage) ratio14.0539%967
Tier 1 risk-based capital ratio23.9477%954
Total risk-based capital ratio25.2934%921
Memoranda:
Average total assets$64,166,4006,192
Average earning assets$55,912,2006,296
Average equity$9,604,2005,413
Average total loans$37,264,2006,239
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8179%7,087
Cost of funding earning assets1.6028%5,389
Net interest margin3.2152%5,963
Noninterest income to average assets0.1455%7,133
Noninterest expense to average assets3.2167%3,246
Loan and lease loss provision to assets0.0949%6,418
Net operating income to assets-0.2108%6,082
Return on assets (ROA)-0.2108%6,091
Pretax return on assets-0.3584%6,152
Return on Equity (ROE)-1.3857%6,000
Retained earnings to average equity (ytd only)-1.3857%5,579
Net charge-offs to loans-0.0036%7,610
Credit loss provision to net charge-offs-4,500.0000%7,404
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.9222%790
Assets per employee ($millions)4.7402%2,489
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3174%4,393
Loan loss allowance to noncurrent loans128.1984%2,211
Noncurrent assets plus other real estate owned to assets0.5771%6,011
Noncurrent loans to loans1.0276%5,254
Net loans and leases to total assets55.4209%6,210
Net loans and leases to deposits66.8284%6,226
Net loans and leases to core deposits93.2956%5,098
Total domestic deposits to total assets82.9302%4,259
Equity capital to assets14.3559%1,188
Core capital (leverage) ratio14.0646%1,075
Tier 1 risk-based capital ratio23.5446%1,049
Total risk-based capital ratio24.8416%1,019
Memoranda:
Average total assets$63,251,0006,271
Average earning assets$55,236,7506,371
Average equity$9,621,7505,450
Average total loans$37,420,0006,264
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9563%6,905
Cost of funding earning assets1.6276%5,623
Net interest margin3.3288%5,446
Noninterest income to average assets0.1382%7,265
Noninterest expense to average assets2.8708%4,630
Loan and lease loss provision to assets0.0964%6,203
Net operating income to assets0.0321%5,750
Return on assets (ROA)0.0321%5,838
Pretax return on assets0.0772%5,725
Return on Equity (ROE)0.2072%5,862
Retained earnings to average equity (ytd only)0.2072%5,133
Net charge-offs to loans-0.0053%7,535
Credit loss provision to net charge-offs-3,000.0000%7,202
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.2978%1,475
Assets per employee ($millions)4.5126%2,754
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2581%4,556
Loan loss allowance to noncurrent loans313.1579%1,002
Noncurrent assets plus other real estate owned to assets0.2406%6,888
Noncurrent loans to loans0.4018%6,502
Net loans and leases to total assets59.1332%5,819
Net loans and leases to deposits72.3221%5,694
Net loans and leases to core deposits98.8098%4,617
Total domestic deposits to total assets81.7636%4,789
Equity capital to assets15.2716%970
Core capital (leverage) ratio14.8813%947
Tier 1 risk-based capital ratio24.6292%972
Total risk-based capital ratio25.8375%962
Memoranda:
Average total assets$62,213,6706,365
Average earning assets$54,314,6706,455
Average equity$9,653,3305,473
Average total loans$37,470,0006,321
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0426%6,821
Cost of funding earning assets1.6290%5,907
Net interest margin3.4136%5,084
Noninterest income to average assets0.1296%7,362
Noninterest expense to average assets2.9093%4,129
Loan and lease loss provision to assets0.0972%5,717
Net operating income to assets0.0518%6,124
Return on assets (ROA)0.0518%6,273
Pretax return on assets0.1102%6,141
Return on Equity (ROE)0.3314%6,329
Retained earnings to average equity (ytd only)0.3314%5,529
Net charge-offs to loans-0.0107%7,288
Credit loss provision to net charge-offs-1,500.0000%6,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.3472%1,474
Assets per employee ($millions)4.1255%3,408
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2153%4,695
Loan loss allowance to noncurrent loans303.2895%1,111
Noncurrent assets plus other real estate owned to assets0.2456%6,777
Noncurrent loans to loans0.4007%6,414
Net loans and leases to total assets60.5530%5,566
Net loans and leases to deposits74.5281%5,416
Net loans and leases to core deposits97.2516%4,820
Total domestic deposits to total assets81.2485%4,867
Equity capital to assets15.5891%951
Core capital (leverage) ratio15.6268%840
Tier 1 risk-based capital ratio25.2291%964
Total risk-based capital ratio26.4783%935
Memoranda:
Average total assets$61,732,5006,411
Average earning assets$54,019,5006,500
Average equity$9,656,0005,490
Average total loans$37,288,0006,365
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3041%7,593
Cost of funding earning assets2.0458%6,258
Net interest margin3.2582%6,187
Noninterest income to average assets0.2031%6,993
Noninterest expense to average assets2.7784%4,914
Loan and lease loss provision to assets0.0487%6,805
Net operating income to assets0.2252%5,771
Return on assets (ROA)0.2434%5,539
Pretax return on assets0.3777%5,321
Return on Equity (ROE)1.4980%5,768
Retained earnings to average equity (ytd only)1.4980%4,328
Net charge-offs to loans0.0111%6,770
Credit loss provision to net charge-offs725.0000%578
Earnings coverage of net charge-offs (x)59.2500%675
Efficiency ratio87.4736%1,724
Assets per employee ($millions)4.1055%3,298
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2144%4,424
Loan loss allowance to noncurrent loans271.3415%1,485
Noncurrent assets plus other real estate owned to assets0.2663%6,511
Noncurrent loans to loans0.4476%6,015
Net loans and leases to total assets58.7802%6,094
Net loans and leases to deposits71.0573%6,163
Net loans and leases to core deposits89.4131%5,853
Total domestic deposits to total assets82.7222%3,887
Equity capital to assets15.6945%996
Core capital (leverage) ratio15.6015%905
Tier 1 risk-based capital ratio26.2589%882
Total risk-based capital ratio27.5579%858
Memoranda:
Average total assets$59,567,2006,397
Average earning assets$54,354,6006,395
Average equity$9,679,8005,514
Average total loans$36,178,0006,356