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Henry State Bank, Performance and Condition Ratios

2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5078%4,671
Cost of funding earning assets0.3713%3,299
Net interest margin3.1365%4,541
Noninterest income to average assets0.2501%4,744
Noninterest expense to average assets2.5010%3,803
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7052%3,679
Return on assets (ROA)0.7052%3,722
Pretax return on assets0.6929%4,475
Return on Equity (ROE)5.0653%4,360
Retained earnings to average equity (ytd only)4.4763%3,183
Net charge-offs to loans1.2359%141
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)0.9337%2,780
Efficiency ratio78.3055%1,588
Assets per employee ($millions)5.9845%1,518
Cash dividends to net income (ytd only)*11.6279%2,672
Condition Ratios (%)
Loss allowance to loans2.7912%224
Loan loss allowance to noncurrent loans156.9556%2,735
Noncurrent assets plus other real estate owned to assets1.0465%1,727
Noncurrent loans to loans1.7784%1,062
Net loans and leases to total assets56.6307%4,108
Net loans and leases to deposits69.5790%3,844
Net loans and leases to core deposits74.5207%3,790
Total domestic deposits to total assets81.3905%4,323
Equity capital to assets14.2838%822
Core capital (leverage) ratio14.5211%706
Tier 1 risk-based capital ratio22.4226%1,041
Total risk-based capital ratio23.6875%1,023
Memoranda:
Average total assets$97,561,5004,395
Average earning assets$91,567,5004,357
Average equity$13,582,5003,980
Average total loans$58,581,0004,332
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5651%4,605
Cost of funding earning assets0.3462%3,562
Net interest margin3.2189%4,382
Noninterest income to average assets0.2889%4,669
Noninterest expense to average assets2.2485%4,655
Loan and lease loss provision to assets0.6226%207
Net operating income to assets0.4286%4,851
Return on assets (ROA)0.4393%4,914
Pretax return on assets0.4483%5,125
Return on Equity (ROE)3.1847%5,104
Retained earnings to average equity (ytd only)-1.4732%5,490
Net charge-offs to loans0.5354%448
Credit loss provision to net charge-offs193.4985%1,464
Earnings coverage of net charge-offs (x)3.2941%3,693
Efficiency ratio67.9615%3,235
Assets per employee ($millions)5.5206%1,850
Cash dividends to net income (ytd only)*146.2585%156
Condition Ratios (%)
Loss allowance to loans2.8315%212
Loan loss allowance to noncurrent loans136.9582%2,994
Noncurrent assets plus other real estate owned to assets1.2871%1,375
Noncurrent loans to loans2.0674%863
Net loans and leases to total assets60.0195%3,851
Net loans and leases to deposits74.4473%3,471
Net loans and leases to core deposits80.9309%3,318
Total domestic deposits to total assets80.6201%4,428
Equity capital to assets13.5734%1,016
Core capital (leverage) ratio14.0852%796
Tier 1 risk-based capital ratio19.3918%1,506
Total risk-based capital ratio20.6560%1,463
Memoranda:
Average total assets$100,379,8004,343
Average earning assets$94,161,8004,304
Average equity$13,847,6003,959
Average total loans$60,331,2004,288
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5781%4,614
Cost of funding earning assets0.3431%3,623
Net interest margin3.2350%4,386
Noninterest income to average assets0.2769%4,790
Noninterest expense to average assets2.3252%4,475
Loan and lease loss provision to assets1.1156%86
Net operating income to assets-0.1404%5,774
Return on assets (ROA)-0.1259%5,786
Pretax return on assets-0.1139%5,776
Return on Equity (ROE)-0.9088%5,774
Retained earnings to average equity (ytd only)-5.9120%5,764
Net charge-offs to loans0.6370%318
Credit loss provision to net charge-offs293.3798%1,056
Earnings coverage of net charge-offs (x)2.5958%3,546
Efficiency ratio70.2000%2,855
Assets per employee ($millions)5.3912%1,964
Cash dividends to net income (ytd only)*-550.5448%5,972
Condition Ratios (%)
Loss allowance to loans3.3541%130
Loan loss allowance to noncurrent loans159.6632%2,654
Noncurrent assets plus other real estate owned to assets1.2953%1,486
Noncurrent loans to loans2.1007%917
Net loans and leases to total assets59.1193%3,983
Net loans and leases to deposits73.8961%3,607
Net loans and leases to core deposits78.1608%3,652
Total domestic deposits to total assets80.0033%4,511
Equity capital to assets13.8910%1,082
Core capital (leverage) ratio13.9616%862
Tier 1 risk-based capital ratio20.4774%1,356
Total risk-based capital ratio21.7487%1,322
Memoranda:
Average total assets$100,632,0004,378
Average earning assets$94,423,2504,338
Average equity$13,937,5003,982
Average total loans$60,069,0004,323
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5858%4,637
Cost of funding earning assets0.3433%3,638
Net interest margin3.2425%4,403
Noninterest income to average assets0.2652%4,891
Noninterest expense to average assets2.3805%4,404
Loan and lease loss provision to assets0.3260%519
Net operating income to assets0.5840%4,335
Return on assets (ROA)0.6049%4,375
Pretax return on assets0.6226%4,834
Return on Equity (ROE)4.3719%4,765
Retained earnings to average equity (ytd only)-1.3059%5,476
Net charge-offs to loans0.8424%234
Credit loss provision to net charge-offs65.3543%2,518
Earnings coverage of net charge-offs (x)1.8583%3,358
Efficiency ratio71.9715%2,659
Assets per employee ($millions)5.1705%2,116
Cash dividends to net income (ytd only)*129.8701%285
Condition Ratios (%)
Loss allowance to loans2.3068%463
Loan loss allowance to noncurrent loans121.7706%3,299
Noncurrent assets plus other real estate owned to assets1.1370%1,856
Noncurrent loans to loans1.8944%1,073
Net loans and leases to total assets58.1107%4,104
Net loans and leases to deposits73.8955%3,605
Net loans and leases to core deposits78.1802%3,628
Total domestic deposits to total assets78.6390%4,865
Equity capital to assets14.3587%913
Core capital (leverage) ratio14.0694%800
Tier 1 risk-based capital ratio20.4536%1,357
Total risk-based capital ratio21.7110%1,334
Memoranda:
Average total assets$101,829,0004,396
Average earning assets$95,543,3304,350
Average equity$14,090,0003,982
Average total loans$60,305,0004,335
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5845%4,667
Cost of funding earning assets0.3457%3,651
Net interest margin3.2388%4,436
Noninterest income to average assets0.0695%5,908
Noninterest expense to average assets2.3508%4,516
Loan and lease loss provision to assets0.5250%223
Net operating income to assets0.2202%5,489
Return on assets (ROA)0.2239%5,544
Pretax return on assets0.2355%5,597
Return on Equity (ROE)1.6475%5,591
Retained earnings to average equity (ytd only)-1.3350%5,316
Net charge-offs to loans1.6395%99
Credit loss provision to net charge-offs54.1833%2,018
Earnings coverage of net charge-offs (x)0.7809%2,892
Efficiency ratio75.6522%2,223
Assets per employee ($millions)5.3409%1,990
Cash dividends to net income (ytd only)*181.0345%293
Condition Ratios (%)
Loss allowance to loans2.1975%591
Loan loss allowance to noncurrent loans223.5195%2,065
Noncurrent assets plus other real estate owned to assets0.8741%2,506
Noncurrent loans to loans0.9831%2,419
Net loans and leases to total assets57.9357%4,045
Net loans and leases to deposits73.1899%3,527
Net loans and leases to core deposits79.8652%3,335
Total domestic deposits to total assets79.1580%4,933
Equity capital to assets13.8670%1,029
Core capital (leverage) ratio13.7984%865
Tier 1 risk-based capital ratio20.3307%1,437
Total risk-based capital ratio21.5880%1,411
Memoranda:
Average total assets$103,623,5004,397
Average earning assets$97,195,0004,356
Average equity$14,082,0003,999
Average total loans$61,239,5004,337
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6094%4,647
Cost of funding earning assets0.4041%3,111
Net interest margin3.2052%4,613
Noninterest income to average assets0.5051%3,294
Noninterest expense to average assets2.3060%4,770
Loan and lease loss provision to assets-0.0962%5,847
Net operating income to assets1.2757%1,331
Return on assets (ROA)1.2757%1,376
Pretax return on assets1.2939%2,313
Return on Equity (ROE)9.6904%2,137
Retained earnings to average equity (ytd only)6.0218%1,780
Net charge-offs to loans-0.0516%5,560
Credit loss provision to net charge-offs333.3333%897
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8155%3,933
Assets per employee ($millions)5.5668%1,726
Cash dividends to net income (ytd only)*37.8582%2,964
Condition Ratios (%)
Loss allowance to loans2.3025%510
Loan loss allowance to noncurrent loans299.7912%1,644
Noncurrent assets plus other real estate owned to assets0.8698%2,496
Noncurrent loans to loans0.7680%2,869
Net loans and leases to total assets57.6067%4,138
Net loans and leases to deposits73.7446%3,525
Net loans and leases to core deposits81.2422%3,224
Total domestic deposits to total assets78.1165%5,143
Equity capital to assets13.3234%1,199
Core capital (leverage) ratio13.3535%1,016
Tier 1 risk-based capital ratio19.1990%1,657
Total risk-based capital ratio20.4584%1,611
Memoranda:
Average total assets$103,945,8004,384
Average earning assets$97,247,0004,359
Average equity$13,683,6004,017
Average total loans$58,189,8004,421
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6011%4,739
Cost of funding earning assets0.4216%2,996
Net interest margin3.1795%4,740
Noninterest income to average assets0.6132%2,672
Noninterest expense to average assets2.2443%4,926
Loan and lease loss provision to assets0.0129%4,013
Net operating income to assets1.3115%1,305
Return on assets (ROA)1.3115%1,360
Pretax return on assets1.3296%2,286
Return on Equity (ROE)9.9937%2,108
Retained earnings to average equity (ytd only)7.2745%1,554
Net charge-offs to loans-0.2333%6,031
Credit loss provision to net charge-offs-10.0000%4,850
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5718%4,479
Assets per employee ($millions)5.3903%1,873
Cash dividends to net income (ytd only)*27.2099%2,938
Condition Ratios (%)
Loss allowance to loans2.7949%303
Loan loss allowance to noncurrent loans274.3633%1,729
Noncurrent assets plus other real estate owned to assets1.1307%2,110
Noncurrent loans to loans1.0187%2,439
Net loans and leases to total assets54.8781%4,474
Net loans and leases to deposits68.3780%4,152
Net loans and leases to core deposits75.5633%3,847
Total domestic deposits to total assets80.2570%4,685
Equity capital to assets13.6619%1,153
Core capital (leverage) ratio13.2548%1,108
Tier 1 risk-based capital ratio20.1995%1,503
Total risk-based capital ratio21.4634%1,468
Memoranda:
Average total assets$103,490,0004,442
Average earning assets$96,783,0004,416
Average equity$13,581,5004,082
Average total loans$57,145,7504,498
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4789%5,044
Cost of funding earning assets0.4382%2,864
Net interest margin3.0407%5,112
Noninterest income to average assets0.8050%1,759
Noninterest expense to average assets2.1859%5,157
Loan and lease loss provision to assets0.0193%3,745
Net operating income to assets1.4271%1,038
Return on assets (ROA)1.4271%1,075
Pretax return on assets1.4463%1,815
Return on Equity (ROE)11.0230%1,670
Retained earnings to average equity (ytd only)8.5238%1,068
Net charge-offs to loans0.0211%3,253
Credit loss provision to net charge-offs166.6667%1,427
Earnings coverage of net charge-offs (x)126.8333%496
Efficiency ratio59.8629%5,003
Assets per employee ($millions)6.0391%1,324
Cash dividends to net income (ytd only)*22.6721%3,099
Condition Ratios (%)
Loss allowance to loans2.6690%389
Loan loss allowance to noncurrent loans151.9115%2,776
Noncurrent assets plus other real estate owned to assets1.4961%1,650
Noncurrent loans to loans1.7569%1,459
Net loans and leases to total assets53.6366%4,593
Net loans and leases to deposits66.3294%4,305
Net loans and leases to core deposits69.3649%4,380
Total domestic deposits to total assets80.8640%4,646
Equity capital to assets13.3249%1,250
Core capital (leverage) ratio13.3645%1,023
Tier 1 risk-based capital ratio20.8329%1,399
Total risk-based capital ratio22.0956%1,368
Memoranda:
Average total assets$103,848,0004,470
Average earning assets$97,214,0004,440
Average equity$13,444,6704,129
Average total loans$56,921,0004,545
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4534%5,076
Cost of funding earning assets0.4490%2,776
Net interest margin3.0044%5,203
Noninterest income to average assets0.2145%5,417
Noninterest expense to average assets2.1448%5,290
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8771%2,857
Return on assets (ROA)0.8771%2,985
Pretax return on assets0.8886%3,932
Return on Equity (ROE)6.8733%3,570
Retained earnings to average equity (ytd only)6.8733%2,066
Net charge-offs to loans0.0140%2,894
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)116.0000%431
Efficiency ratio70.7071%3,367
Assets per employee ($millions)5.6562%1,662
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.7164%399
Loan loss allowance to noncurrent loans161.3734%2,635
Noncurrent assets plus other real estate owned to assets1.4478%1,826
Noncurrent loans to loans1.6833%1,642
Net loans and leases to total assets52.9044%4,559
Net loans and leases to deposits65.1739%4,252
Net loans and leases to core deposits69.3798%4,214
Total domestic deposits to total assets81.1741%4,778
Equity capital to assets13.2440%1,284
Core capital (leverage) ratio13.2481%1,069
Tier 1 risk-based capital ratio20.8312%1,455
Total risk-based capital ratio22.0948%1,425
Memoranda:
Average total assets$104,439,5004,491
Average earning assets$97,990,0004,458
Average equity$13,327,0004,182
Average total loans$57,093,5004,576
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4583%5,420
Cost of funding earning assets0.5032%2,645
Net interest margin2.9551%5,542
Noninterest income to average assets0.2681%5,209
Noninterest expense to average assets1.9689%5,823
Loan and lease loss provision to assets0.5249%280
Net operating income to assets0.5353%4,661
Return on assets (ROA)0.5353%4,741
Pretax return on assets0.5419%5,132
Return on Equity (ROE)4.3856%4,941
Retained earnings to average equity (ytd only)0.9943%5,329
Net charge-offs to loans0.0193%4,466
Credit loss provision to net charge-offs5,072.7273%57
Earnings coverage of net charge-offs (x)103.0909%510
Efficiency ratio64.8590%4,425
Assets per employee ($millions)5.9482%1,417
Cash dividends to net income (ytd only)*77.3286%991
Condition Ratios (%)
Loss allowance to loans2.5604%512
Loan loss allowance to noncurrent loans165.3128%2,603
Noncurrent assets plus other real estate owned to assets1.3571%2,056
Noncurrent loans to loans1.5488%1,892
Net loans and leases to total assets53.5310%4,633
Net loans and leases to deposits68.9882%4,030
Net loans and leases to core deposits73.1503%4,010
Total domestic deposits to total assets77.5944%5,510
Equity capital to assets12.3007%1,785
Core capital (leverage) ratio12.7722%1,219
Tier 1 risk-based capital ratio19.6381%1,672
Total risk-based capital ratio20.8998%1,635
Memoranda:
Average total assets$106,301,0004,447
Average earning assets$99,558,2004,399
Average equity$12,974,4004,204
Average total loans$56,958,8004,585
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4516%5,495
Cost of funding earning assets0.5073%2,687
Net interest margin2.9444%5,613
Noninterest income to average assets0.2676%5,291
Noninterest expense to average assets1.8634%6,001
Loan and lease loss provision to assets0.1294%1,940
Net operating income to assets1.0178%2,375
Return on assets (ROA)1.0178%2,429
Pretax return on assets1.0316%3,461
Return on Equity (ROE)8.3553%3,006
Retained earnings to average equity (ytd only)5.5496%2,709
Net charge-offs to loans-0.2596%6,358
Credit loss provision to net charge-offs-93.6364%5,437
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6120%4,944
Assets per employee ($millions)5.7622%1,519
Cash dividends to net income (ytd only)*33.5806%2,640
Condition Ratios (%)
Loss allowance to loans2.1829%970
Loan loss allowance to noncurrent loans138.0448%2,919
Noncurrent assets plus other real estate owned to assets1.4722%2,094
Noncurrent loans to loans1.5813%2,059
Net loans and leases to total assets50.6344%4,931
Net loans and leases to deposits62.7890%4,666
Net loans and leases to core deposits65.1144%4,791
Total domestic deposits to total assets80.6421%4,929
Equity capital to assets12.9406%1,462
Core capital (leverage) ratio13.1278%1,126
Tier 1 risk-based capital ratio22.1670%1,242
Total risk-based capital ratio23.4247%1,222
Memoranda:
Average total assets$106,109,5004,499
Average earning assets$99,351,2504,453
Average equity$12,925,5004,234
Average total loans$56,493,5004,644
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4301%5,559
Cost of funding earning assets0.5117%2,709
Net interest margin2.9184%5,705
Noninterest income to average assets0.2769%5,214
Noninterest expense to average assets1.7473%6,216
Loan and lease loss provision to assets0.1927%1,269
Net operating income to assets1.0551%2,106
Return on assets (ROA)1.0551%2,180
Pretax return on assets1.0682%3,216
Return on Equity (ROE)8.8401%2,672
Retained earnings to average equity (ytd only)6.2069%2,210
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.0846%5,547
Assets per employee ($millions)5.4698%1,722
Cash dividends to net income (ytd only)*29.7872%2,797
Condition Ratios (%)
Loss allowance to loans1.9382%1,486
Loan loss allowance to noncurrent loans162.6340%2,542
Noncurrent assets plus other real estate owned to assets1.1720%2,735
Noncurrent loans to loans1.1918%2,848
Net loans and leases to total assets51.7012%4,776
Net loans and leases to deposits63.3942%4,557
Net loans and leases to core deposits66.1174%4,631
Total domestic deposits to total assets81.5551%4,799
Equity capital to assets12.8033%1,488
Core capital (leverage) ratio13.0497%1,139
Tier 1 risk-based capital ratio21.8297%1,283
Total risk-based capital ratio23.0859%1,260
Memoranda:
Average total assets$106,906,0004,515
Average earning assets$100,056,0004,472
Average equity$12,760,0004,275
Average total loans$57,428,0004,641
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4425%5,550
Cost of funding earning assets0.5205%2,712
Net interest margin2.9220%5,704
Noninterest income to average assets0.2288%5,524
Noninterest expense to average assets2.0001%5,887
Loan and lease loss provision to assets0.0369%3,322
Net operating income to assets0.9152%2,575
Return on assets (ROA)0.9152%2,648
Pretax return on assets0.9262%3,602
Return on Equity (ROE)7.9443%2,957
Retained earnings to average equity (ytd only)7.9443%1,614
Net charge-offs to loans0.0477%2,719
Credit loss provision to net charge-offs142.8571%1,298
Earnings coverage of net charge-offs (x)37.2857%920
Efficiency ratio67.4969%4,272
Assets per employee ($millions)5.8218%1,436
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7224%2,279
Loan loss allowance to noncurrent loans143.1548%2,740
Noncurrent assets plus other real estate owned to assets1.2768%2,732
Noncurrent loans to loans1.2032%3,035
Net loans and leases to total assets52.3804%4,632
Net loans and leases to deposits63.7445%4,340
Net loans and leases to core deposits66.6412%4,434
Total domestic deposits to total assets82.1725%4,894
Equity capital to assets12.1229%1,788
Core capital (leverage) ratio12.6716%1,310
Tier 1 risk-based capital ratio21.1809%1,439
Total risk-based capital ratio22.4336%1,411
Memoranda:
Average total assets$108,396,0004,523
Average earning assets$101,438,0004,469
Average equity$12,487,0004,350
Average total loans$58,745,5004,629
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2235%6,112
Cost of funding earning assets0.6438%2,257
Net interest margin2.5797%6,285
Noninterest income to average assets0.2606%5,484
Noninterest expense to average assets1.8787%6,215
Loan and lease loss provision to assets0.0309%4,495
Net operating income to assets0.7729%3,432
Return on assets (ROA)0.7729%3,525
Pretax return on assets0.7826%4,212
Return on Equity (ROE)7.1282%3,498
Retained earnings to average equity (ytd only)4.4643%2,998
Net charge-offs to loans0.7347%875
Credit loss provision to net charge-offs8.3933%4,602
Earnings coverage of net charge-offs (x)2.2086%4,287
Efficiency ratio69.7835%3,870
Assets per employee ($millions)5.8947%1,340
Cash dividends to net income (ytd only)*37.3714%2,933
Condition Ratios (%)
Loss allowance to loans1.5559%2,936
Loan loss allowance to noncurrent loans256.4171%1,697
Noncurrent assets plus other real estate owned to assets0.9295%3,583
Noncurrent loans to loans0.6068%4,459
Net loans and leases to total assets54.1782%4,561
Net loans and leases to deposits68.9025%3,918
Net loans and leases to core deposits72.6616%3,994
Total domestic deposits to total assets78.6302%5,722
Equity capital to assets10.9555%2,656
Core capital (leverage) ratio11.9647%1,633
Tier 1 risk-based capital ratio18.7904%1,983
Total risk-based capital ratio20.0421%1,944
Memoranda:
Average total assets$113,213,6004,428
Average earning assets$106,717,0004,343
Average equity$12,275,2004,398
Average total loans$56,757,0004,720
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1593%6,245
Cost of funding earning assets0.6620%2,243
Net interest margin2.4973%6,430
Noninterest income to average assets0.2631%5,565
Noninterest expense to average assets1.8898%6,199
Loan and lease loss provision to assets-0.0470%6,548
Net operating income to assets0.7681%3,519
Return on assets (ROA)0.7681%3,646
Pretax return on assets0.7775%4,392
Return on Equity (ROE)7.1028%3,587
Retained earnings to average equity (ytd only)4.4420%3,510
Net charge-offs to loans0.8955%649
Credit loss provision to net charge-offs-10.7239%5,610
Earnings coverage of net charge-offs (x)1.6676%4,284
Efficiency ratio72.1201%3,382
Assets per employee ($millions)5.5758%1,558
Cash dividends to net income (ytd only)*37.4619%2,370
Condition Ratios (%)
Loss allowance to loans1.6405%2,841
Loan loss allowance to noncurrent loans230.2730%1,761
Noncurrent assets plus other real estate owned to assets0.9353%3,803
Noncurrent loans to loans0.7124%4,430
Net loans and leases to total assets49.8933%5,149
Net loans and leases to deposits59.1904%5,074
Net loans and leases to core deposits62.6269%5,052
Total domestic deposits to total assets84.2928%4,067
Equity capital to assets10.7940%2,960
Core capital (leverage) ratio11.7177%1,879
Tier 1 risk-based capital ratio19.9338%1,752
Total risk-based capital ratio21.1859%1,722
Memoranda:
Average total assets$113,517,2504,463
Average earning assets$107,152,2504,376
Average equity$12,276,5004,439
Average total loans$55,536,7504,804
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1457%6,296
Cost of funding earning assets0.6702%2,318
Net interest margin2.4754%6,472
Noninterest income to average assets0.2662%5,545
Noninterest expense to average assets1.8759%6,261
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.7234%3,701
Return on assets (ROA)0.7234%3,869
Pretax return on assets0.7321%4,566
Return on Equity (ROE)6.6848%3,780
Retained earnings to average equity (ytd only)4.0465%3,725
Net charge-offs to loans1.3516%417
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)1.1206%4,161
Efficiency ratio71.9275%3,483
Assets per employee ($millions)5.8394%1,319
Cash dividends to net income (ytd only)*39.4673%2,275
Condition Ratios (%)
Loss allowance to loans1.8168%2,385
Loan loss allowance to noncurrent loans251.4286%1,634
Noncurrent assets plus other real estate owned to assets0.9239%3,940
Noncurrent loans to loans0.7226%4,481
Net loans and leases to total assets47.1500%5,415
Net loans and leases to deposits55.4411%5,394
Net loans and leases to core deposits57.9532%5,424
Total domestic deposits to total assets85.0452%3,868
Equity capital to assets10.9673%2,784
Core capital (leverage) ratio11.4058%2,018
Tier 1 risk-based capital ratio20.5255%1,605
Total risk-based capital ratio21.7798%1,577
Memoranda:
Average total assets$114,184,3304,481
Average earning assets$108,021,3304,383
Average equity$12,356,3304,448
Average total loans$55,193,3304,846
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0930%6,405
Cost of funding earning assets0.6841%2,351
Net interest margin2.4089%6,588
Noninterest income to average assets0.2314%5,799
Noninterest expense to average assets1.9032%6,270
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.6114%4,165
Return on assets (ROA)0.6114%4,326
Pretax return on assets0.6148%4,896
Return on Equity (ROE)5.6865%4,208
Retained earnings to average equity (ytd only)5.6865%2,849
Net charge-offs to loans-0.0427%6,066
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5830%2,997
Assets per employee ($millions)6.0503%1,221
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.5456%1,062
Loan loss allowance to noncurrent loans92.3868%3,568
Noncurrent assets plus other real estate owned to assets1.3649%3,227
Noncurrent loans to loans2.7554%1,848
Net loans and leases to total assets44.8593%5,567
Net loans and leases to deposits52.4363%5,581
Net loans and leases to core deposits54.7728%5,621
Total domestic deposits to total assets85.5500%3,771
Equity capital to assets10.8834%3,096
Core capital (leverage) ratio11.0693%2,206
Tier 1 risk-based capital ratio20.6285%1,631
Total risk-based capital ratio21.8898%1,596
Memoranda:
Average total assets$115,802,5004,488
Average earning assets$109,927,0004,374
Average equity$12,450,5004,484
Average total loans$56,150,0004,851
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7336%5,986
Cost of funding earning assets0.9259%1,782
Net interest margin2.8077%6,376
Noninterest income to average assets0.2626%5,587
Noninterest expense to average assets1.8769%6,523
Loan and lease loss provision to assets0.5225%1,115
Net operating income to assets0.5092%4,646
Return on assets (ROA)0.8036%3,522
Pretax return on assets0.8072%4,264
Return on Equity (ROE)7.2582%3,492
Retained earnings to average equity (ytd only)0.4887%5,604
Net charge-offs to loans1.8716%413
Credit loss provision to net charge-offs52.6834%4,626
Earnings coverage of net charge-offs (x)1.0438%4,950
Efficiency ratio64.4532%4,805
Assets per employee ($millions)6.1395%1,198
Cash dividends to net income (ytd only)*93.2671%623
Condition Ratios (%)
Loss allowance to loans2.2581%1,443
Loan loss allowance to noncurrent loans109.0244%3,127
Noncurrent assets plus other real estate owned to assets1.2027%3,654
Noncurrent loans to loans2.0712%2,613
Net loans and leases to total assets49.7591%5,201
Net loans and leases to deposits61.1833%4,885
Net loans and leases to core deposits64.0132%4,952
Total domestic deposits to total assets81.3279%5,301
Equity capital to assets10.6215%3,376
Core capital (leverage) ratio10.9111%2,329
Tier 1 risk-based capital ratio18.7086%2,046
Total risk-based capital ratio19.9675%2,005
Memoranda:
Average total assets$112,736,4004,529
Average earning assets$106,386,6004,435
Average equity$12,482,4004,463
Average total loans$59,733,8004,721
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8466%5,909
Cost of funding earning assets0.9784%1,689
Net interest margin2.8682%6,413
Noninterest income to average assets0.2637%5,674
Noninterest expense to average assets1.8898%6,538
Loan and lease loss provision to assets0.6681%774
Net operating income to assets0.4080%5,216
Return on assets (ROA)0.8041%3,674
Pretax return on assets0.8053%4,463
Return on Equity (ROE)7.1860%3,708
Retained earnings to average equity (ytd only)-1.5246%6,335
Net charge-offs to loans1.9502%380
Credit loss provision to net charge-offs64.0000%4,051
Earnings coverage of net charge-offs (x)1.0320%4,796
Efficiency ratio63.6912%4,854
Assets per employee ($millions)6.3547%1,031
Cash dividends to net income (ytd only)*121.2176%189
Condition Ratios (%)
Loss allowance to loans2.7288%954
Loan loss allowance to noncurrent loans100.3873%3,218
Noncurrent assets plus other real estate owned to assets1.4932%3,354
Noncurrent loans to loans2.7183%2,084
Net loans and leases to total assets48.4583%5,494
Net loans and leases to deposits58.0810%5,424
Net loans and leases to core deposits62.8675%5,274
Total domestic deposits to total assets83.4323%4,466
Equity capital to assets10.7855%3,523
Core capital (leverage) ratio11.0155%2,363
Tier 1 risk-based capital ratio19.1491%1,964
Total risk-based capital ratio20.4126%1,933
Memoranda:
Average total assets$111,758,0004,597
Average earning assets$105,337,5004,503
Average equity$12,505,5004,503
Average total loans$59,821,0004,773
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9655%5,746
Cost of funding earning assets1.0364%1,541
Net interest margin2.9291%6,379
Noninterest income to average assets0.2706%5,642
Noninterest expense to average assets1.9210%6,562
Loan and lease loss provision to assets1.0101%437
Net operating income to assets0.0992%6,161
Return on assets (ROA)0.6980%4,144
Pretax return on assets0.6962%4,839
Return on Equity (ROE)6.1616%4,235
Retained earnings to average equity (ytd only)-4.1555%6,560
Net charge-offs to loans-0.0625%6,727
Credit loss provision to net charge-offs-2,947.3684%6,522
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4306%5,001
Assets per employee ($millions)6.4244%1,000
Cash dividends to net income (ytd only)*167.4419%125
Condition Ratios (%)
Loss allowance to loans4.1735%306
Loan loss allowance to noncurrent loans103.4643%3,115
Noncurrent assets plus other real estate owned to assets2.3129%2,419
Noncurrent loans to loans4.0337%1,361
Net loans and leases to total assets51.4865%5,158
Net loans and leases to deposits61.0948%5,117
Net loans and leases to core deposits64.2361%5,189
Total domestic deposits to total assets84.2732%4,205
Equity capital to assets11.0232%3,092
Core capital (leverage) ratio11.1032%2,203
Tier 1 risk-based capital ratio19.1380%1,929
Total risk-based capital ratio20.4191%1,900
Memoranda:
Average total assets$110,882,3304,643
Average earning assets$104,401,0004,552
Average equity$12,561,6704,486
Average total loans$60,766,6704,754
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0933%5,481
Cost of funding earning assets1.1081%1,360
Net interest margin2.9853%6,321
Noninterest income to average assets0.2506%5,851
Noninterest expense to average assets1.8941%6,657
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1708%1,822
Return on assets (ROA)1.1708%2,005
Pretax return on assets1.1637%3,054
Return on Equity (ROE)10.2004%2,326
Retained earnings to average equity (ytd only)0.5303%5,828
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9438%5,286
Assets per employee ($millions)6.3192%1,079
Cash dividends to net income (ytd only)*94.8012%607
Condition Ratios (%)
Loss allowance to loans3.2497%648
Loan loss allowance to noncurrent loans392.8571%857
Noncurrent assets plus other real estate owned to assets0.5583%5,486
Noncurrent loans to loans0.8272%5,019
Net loans and leases to total assets48.9463%5,439
Net loans and leases to deposits58.3047%5,342
Net loans and leases to core deposits62.9298%5,229
Total domestic deposits to total assets83.9492%4,518
Equity capital to assets11.0809%2,814
Core capital (leverage) ratio11.2591%2,067
Tier 1 risk-based capital ratio19.3768%1,879
Total risk-based capital ratio20.6468%1,836
Memoranda:
Average total assets$111,716,0004,660
Average earning assets$105,048,5004,569
Average equity$12,823,0004,433
Average total loans$61,810,0004,740
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7350%4,103
Cost of funding earning assets1.2601%1,680
Net interest margin3.4749%5,240
Noninterest income to average assets0.2478%5,757
Noninterest expense to average assets2.0027%6,670
Loan and lease loss provision to assets0.5424%1,934
Net operating income to assets0.9509%2,404
Return on assets (ROA)0.9732%2,443
Pretax return on assets0.9835%3,302
Return on Equity (ROE)8.0756%2,865
Retained earnings to average equity (ytd only)4.7737%2,805
Net charge-offs to loans0.0046%6,379
Credit loss provision to net charge-offs19,266.6667%7
Earnings coverage of net charge-offs (x)534.0000%61
Efficiency ratio57.1199%6,174
Assets per employee ($millions)6.0937%1,166
Cash dividends to net income (ytd only)*40.8872%2,539
Condition Ratios (%)
Loss allowance to loans2.8301%948
Loan loss allowance to noncurrent loans434.8837%781
Noncurrent assets plus other real estate owned to assets0.5370%5,629
Noncurrent loans to loans0.6508%5,402
Net loans and leases to total assets58.5357%4,273
Net loans and leases to deposits71.9298%3,808
Net loans and leases to core deposits77.2849%3,787
Total domestic deposits to total assets81.3788%5,332
Equity capital to assets11.8902%2,206
Core capital (leverage) ratio11.7758%1,723
Tier 1 risk-based capital ratio17.3010%2,465
Total risk-based capital ratio18.5669%2,431
Memoranda:
Average total assets$106,554,2004,719
Average earning assets$99,916,4004,645
Average equity$12,841,2004,365
Average total loans$64,773,4004,688
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7630%4,176
Cost of funding earning assets1.3006%1,697
Net interest margin3.4624%5,350
Noninterest income to average assets0.2559%5,793
Noninterest expense to average assets1.8795%6,877
Loan and lease loss provision to assets0.1651%4,413
Net operating income to assets1.4436%1,069
Return on assets (ROA)1.4736%1,082
Pretax return on assets1.4900%1,679
Return on Equity (ROE)12.1854%1,495
Retained earnings to average equity (ytd only)8.7247%1,243
Net charge-offs to loans0.0062%6,087
Credit loss provision to net charge-offs4,366.6667%72
Earnings coverage of net charge-offs (x)429.6550%85
Efficiency ratio53.6331%6,529
Assets per employee ($millions)6.3346%1,021
Cash dividends to net income (ytd only)*28.4006%2,551
Condition Ratios (%)
Loss allowance to loans2.2508%1,775
Loan loss allowance to noncurrent loans295.2282%1,046
Noncurrent assets plus other real estate owned to assets0.6073%5,607
Noncurrent loans to loans0.7624%5,348
Net loans and leases to total assets57.3871%4,611
Net loans and leases to deposits71.7433%4,024
Net loans and leases to core deposits77.1841%4,018
Total domestic deposits to total assets79.9894%5,738
Equity capital to assets12.4266%1,957
Core capital (leverage) ratio11.9732%1,721
Tier 1 risk-based capital ratio18.1373%2,205
Total risk-based capital ratio19.3961%2,166
Memoranda:
Average total assets$105,771,0004,767
Average earning assets$99,235,2504,688
Average equity$12,791,0004,383
Average total loans$64,447,7504,732
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7850%4,153
Cost of funding earning assets1.3353%1,725
Net interest margin3.4498%5,369
Noninterest income to average assets0.2644%5,759
Noninterest expense to average assets1.8510%7,010
Loan and lease loss provision to assets0.2492%3,416
Net operating income to assets1.3835%1,117
Return on assets (ROA)1.4287%1,089
Pretax return on assets1.4439%1,683
Return on Equity (ROE)11.9263%1,515
Retained earnings to average equity (ytd only)8.0991%1,430
Net charge-offs to loans-0.0031%6,547
Credit loss provision to net charge-offs-13,100.0000%6,820
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9092%6,725
Assets per employee ($millions)6.7839%812
Cash dividends to net income (ytd only)*32.0905%2,391
Condition Ratios (%)
Loss allowance to loans2.2824%1,774
Loan loss allowance to noncurrent loans269.2453%1,158
Noncurrent assets plus other real estate owned to assets0.5823%5,759
Noncurrent loans to loans0.8477%5,245
Net loans and leases to total assets56.2879%4,943
Net loans and leases to deposits68.5232%4,631
Net loans and leases to core deposits73.5281%4,638
Total domestic deposits to total assets82.1442%5,117
Equity capital to assets11.9382%2,135
Core capital (leverage) ratio11.9478%1,627
Tier 1 risk-based capital ratio17.8844%2,213
Total risk-based capital ratio19.1437%2,165
Memoranda:
Average total assets$105,132,0004,823
Average earning assets$98,557,6704,743
Average equity$12,594,0004,419
Average total loans$64,856,3304,757
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6823%4,600
Cost of funding earning assets1.3861%1,686
Net interest margin3.2962%5,792
Noninterest income to average assets0.2398%5,988
Noninterest expense to average assets1.8912%7,002
Loan and lease loss provision to assets0.5066%1,716
Net operating income to assets0.9282%2,452
Return on assets (ROA)0.9707%2,345
Pretax return on assets0.9746%3,230
Return on Equity (ROE)8.0889%2,868
Retained earnings to average equity (ytd only)3.2871%4,214
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7944%6,409
Assets per employee ($millions)6.5185%924
Cash dividends to net income (ytd only)*59.3625%1,265
Condition Ratios (%)
Loss allowance to loans2.2187%1,917
Loan loss allowance to noncurrent loans256.4748%1,178
Noncurrent assets plus other real estate owned to assets0.6309%5,691
Noncurrent loans to loans0.8651%5,305
Net loans and leases to total assets60.2564%4,216
Net loans and leases to deposits73.9475%3,764
Net loans and leases to core deposits77.2232%4,129
Total domestic deposits to total assets81.4854%5,501
Equity capital to assets11.9621%1,939
Core capital (leverage) ratio11.6941%1,742
Tier 1 risk-based capital ratio17.1719%2,412
Total risk-based capital ratio18.4318%2,387
Memoranda:
Average total assets$103,427,0004,906
Average earning assets$96,960,0004,823
Average equity$12,412,0004,465
Average total loans$66,023,0004,763
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3541%2,878
Cost of funding earning assets1.5978%2,083
Net interest margin3.7563%4,125
Noninterest income to average assets0.2759%5,808
Noninterest expense to average assets1.8814%7,186
Loan and lease loss provision to assets0.6384%2,578
Net operating income to assets1.2521%1,288
Return on assets (ROA)1.2659%1,320
Pretax return on assets1.2729%2,008
Return on Equity (ROE)10.5603%1,736
Retained earnings to average equity (ytd only)5.8825%1,893
Net charge-offs to loans1.1353%1,966
Credit loss provision to net charge-offs85.5808%5,314
Earnings coverage of net charge-offs (x)2.5434%3,841
Efficiency ratio49.7891%7,138
Assets per employee ($millions)6.0328%1,190
Cash dividends to net income (ytd only)*44.2958%2,384
Condition Ratios (%)
Loss allowance to loans1.9107%2,530
Loan loss allowance to noncurrent loans524.2915%621
Noncurrent assets plus other real estate owned to assets0.3403%6,405
Noncurrent loans to loans0.3644%6,331
Net loans and leases to total assets64.8219%3,707
Net loans and leases to deposits79.2816%3,294
Net loans and leases to core deposits82.8432%3,770
Total domestic deposits to total assets81.7615%5,258
Equity capital to assets12.0400%1,892
Core capital (leverage) ratio11.8142%1,661
Tier 1 risk-based capital ratio16.2331%2,644
Total risk-based capital ratio17.4897%2,596
Memoranda:
Average total assets$100,401,4004,976
Average earning assets$93,628,8004,900
Average equity$12,035,6004,591
Average total loans$65,971,6004,825
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3927%2,920
Cost of funding earning assets1.6271%2,237
Net interest margin3.7656%4,112
Noninterest income to average assets0.2777%5,884
Noninterest expense to average assets1.9066%7,199
Loan and lease loss provision to assets0.6742%2,271
Net operating income to assets1.1991%1,597
Return on assets (ROA)1.2176%1,619
Pretax return on assets1.2257%2,408
Return on Equity (ROE)10.1691%2,059
Retained earnings to average equity (ytd only)3.8914%3,728
Net charge-offs to loans1.5262%1,316
Credit loss provision to net charge-offs67.3333%5,489
Earnings coverage of net charge-offs (x)1.8787%4,302
Efficiency ratio50.3349%7,128
Assets per employee ($millions)6.3435%1,049
Cash dividends to net income (ytd only)*61.7326%1,190
Condition Ratios (%)
Loss allowance to loans1.7784%2,854
Loan loss allowance to noncurrent loans1,206.2500%305
Noncurrent assets plus other real estate owned to assets0.1951%6,880
Noncurrent loans to loans0.1474%6,881
Net loans and leases to total assets63.0123%4,321
Net loans and leases to deposits77.8818%3,849
Net loans and leases to core deposits82.2149%4,218
Total domestic deposits to total assets80.9076%5,410
Equity capital to assets11.9157%2,213
Core capital (leverage) ratio11.6779%1,829
Tier 1 risk-based capital ratio16.1943%2,674
Total risk-based capital ratio17.4491%2,623
Memoranda:
Average total assets$99,862,2505,053
Average earning assets$93,086,0004,974
Average equity$11,957,5004,688
Average total loans$65,520,7504,923
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3040%3,456
Cost of funding earning assets1.6514%2,379
Net interest margin3.6525%4,569
Noninterest income to average assets0.2819%5,888
Noninterest expense to average assets1.9090%7,250
Loan and lease loss provision to assets1.2888%1,072
Net operating income to assets0.4875%4,387
Return on assets (ROA)0.5075%4,438
Pretax return on assets0.5115%4,873
Return on Equity (ROE)4.2310%4,671
Retained earnings to average equity (ytd only)-2.9886%6,298
Net charge-offs to loans1.5414%1,238
Credit loss provision to net charge-offs126.4822%3,188
Earnings coverage of net charge-offs (x)1.7470%4,207
Efficiency ratio51.7467%7,095
Assets per employee ($millions)6.1249%1,142
Cash dividends to net income (ytd only)*170.6349%144
Condition Ratios (%)
Loss allowance to loans1.5982%3,450
Loan loss allowance to noncurrent loans134.8168%2,067
Noncurrent assets plus other real estate owned to assets0.8837%5,354
Noncurrent loans to loans1.1855%4,978
Net loans and leases to total assets64.7125%4,104
Net loans and leases to deposits79.0440%3,790
Net loans and leases to core deposits83.5699%4,199
Total domestic deposits to total assets81.8690%5,042
Equity capital to assets12.3370%1,903
Core capital (leverage) ratio11.8422%1,734
Tier 1 risk-based capital ratio16.5112%2,464
Total risk-based capital ratio17.7642%2,416
Memoranda:
Average total assets$99,317,6705,102
Average earning assets$92,647,6705,028
Average equity$11,912,0004,705
Average total loans$65,656,6704,953
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2268%3,889
Cost of funding earning assets1.6752%2,512
Net interest margin3.5517%4,943
Noninterest income to average assets0.2401%6,232
Noninterest expense to average assets1.8684%7,383
Loan and lease loss provision to assets2.2605%473
Net operating income to assets-0.5801%6,883
Return on assets (ROA)-0.5801%6,915
Pretax return on assets-0.5721%6,831
Return on Equity (ROE)-4.9057%6,877
Retained earnings to average equity (ytd only)-10.4880%6,991
Net charge-offs to loans3.0365%507
Credit loss provision to net charge-offs112.3260%3,087
Earnings coverage of net charge-offs (x)0.8390%4,298
Efficiency ratio52.5309%7,097
Assets per employee ($millions)6.1554%1,168
Cash dividends to net income (ytd only)*-113.7931%7,894
Condition Ratios (%)
Loss allowance to loans1.4832%3,992
Loan loss allowance to noncurrent loans212.8889%1,342
Noncurrent assets plus other real estate owned to assets0.5605%6,105
Noncurrent loans to loans0.6967%5,939
Net loans and leases to total assets64.6085%4,191
Net loans and leases to deposits78.8752%3,867
Net loans and leases to core deposits85.2174%4,006
Total domestic deposits to total assets81.9123%5,110
Equity capital to assets12.1021%1,986
Core capital (leverage) ratio11.6855%1,807
Tier 1 risk-based capital ratio16.4220%2,482
Total risk-based capital ratio17.6739%2,436
Memoranda:
Average total assets$99,977,5005,150
Average earning assets$93,364,5005,069
Average equity$11,823,0004,757
Average total loans$66,261,5004,995
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5158%4,062
Cost of funding earning assets1.9334%3,280
Net interest margin3.5824%4,611
Noninterest income to average assets0.2729%6,161
Noninterest expense to average assets2.3215%6,689
Loan and lease loss provision to assets0.7682%2,804
Net operating income to assets0.5259%3,625
Return on assets (ROA)0.5300%3,701
Pretax return on assets0.5457%4,063
Return on Equity (ROE)4.1877%4,007
Retained earnings to average equity (ytd only)-3.4248%5,775
Net charge-offs to loans0.0113%7,072
Credit loss provision to net charge-offs10,457.1429%33
Earnings coverage of net charge-offs (x)178.2857%154
Efficiency ratio63.9306%5,790
Assets per employee ($millions)6.3418%1,054
Cash dividends to net income (ytd only)*181.7822%221
Condition Ratios (%)
Loss allowance to loans2.0652%1,877
Loan loss allowance to noncurrent loans974.3056%364
Noncurrent assets plus other real estate owned to assets0.1419%7,122
Noncurrent loans to loans0.2120%6,896
Net loans and leases to total assets65.5685%4,262
Net loans and leases to deposits82.0368%3,607
Net loans and leases to core deposits106.8033%3,240
Total domestic deposits to total assets79.9257%5,690
Equity capital to assets11.5573%2,276
Core capital (leverage) ratio11.5991%1,868
Tier 1 risk-based capital ratio15.4010%2,757
Total risk-based capital ratio16.6598%2,710
Memoranda:
Average total assets$95,282,8005,233
Average earning assets$89,325,2005,147
Average equity$12,059,0004,734
Average total loans$61,955,6005,171
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5319%4,264
Cost of funding earning assets1.9840%3,448
Net interest margin3.5479%4,677
Noninterest income to average assets0.2688%6,307
Noninterest expense to average assets1.9572%7,458
Loan and lease loss provision to assets0.1422%5,934
Net operating income to assets1.4723%870
Return on assets (ROA)1.4779%919
Pretax return on assets1.5021%1,412
Return on Equity (ROE)11.4092%1,511
Retained earnings to average equity (ytd only)1.3287%4,580
Net charge-offs to loans0.0154%6,703
Credit loss provision to net charge-offs1,428.5714%270
Earnings coverage of net charge-offs (x)164.6259%229
Efficiency ratio54.4304%7,190
Assets per employee ($millions)6.1178%1,157
Cash dividends to net income (ytd only)*88.3541%771
Condition Ratios (%)
Loss allowance to loans1.2531%4,801
Loan loss allowance to noncurrent loans456.2130%691
Noncurrent assets plus other real estate owned to assets0.1727%7,100
Noncurrent loans to loans0.2747%6,823
Net loans and leases to total assets62.0694%5,231
Net loans and leases to deposits76.5276%4,957
Net loans and leases to core deposits100.8783%4,275
Total domestic deposits to total assets81.1072%5,037
Equity capital to assets12.5291%1,934
Core capital (leverage) ratio12.2603%1,676
Tier 1 risk-based capital ratio17.4266%2,136
Total risk-based capital ratio18.5639%2,126
Memoranda:
Average total assets$93,736,5005,306
Average earning assets$87,899,7505,235
Average equity$12,142,0004,759
Average total loans$60,461,0005,264
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5766%4,181
Cost of funding earning assets2.0035%3,763
Net interest margin3.5731%4,479
Noninterest income to average assets0.2729%6,321
Noninterest expense to average assets1.9728%7,507
Loan and lease loss provision to assets0.1191%5,938
Net operating income to assets1.5053%830
Return on assets (ROA)1.5137%866
Pretax return on assets1.5419%1,345
Return on Equity (ROE)11.5524%1,545
Retained earnings to average equity (ytd only)0.4793%5,017
Net charge-offs to loans-0.0033%7,499
Credit loss provision to net charge-offs-5,500.0000%7,246
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4205%7,286
Assets per employee ($millions)5.9427%1,235
Cash dividends to net income (ytd only)*95.8512%782
Condition Ratios (%)
Loss allowance to loans1.2417%4,663
Loan loss allowance to noncurrent loans329.1480%960
Noncurrent assets plus other real estate owned to assets0.2345%6,913
Noncurrent loans to loans0.3772%6,570
Net loans and leases to total assets61.3979%5,457
Net loans and leases to deposits75.8356%5,195
Net loans and leases to core deposits97.8774%4,713
Total domestic deposits to total assets80.9619%5,099
Equity capital to assets12.6952%1,836
Core capital (leverage) ratio12.5804%1,584
Tier 1 risk-based capital ratio18.0362%2,013
Total risk-based capital ratio19.1657%1,979
Memoranda:
Average total assets$92,354,0005,391
Average earning assets$86,647,6705,313
Average equity$12,101,3304,785
Average total loans$60,105,6705,325
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6302%4,174
Cost of funding earning assets2.0158%4,056
Net interest margin3.6144%4,260
Noninterest income to average assets0.2154%6,756
Noninterest expense to average assets1.9783%7,403
Loan and lease loss provision to assets0.0440%6,420
Net operating income to assets1.5392%871
Return on assets (ROA)1.5562%923
Pretax return on assets1.6002%1,404
Return on Equity (ROE)11.6865%1,762
Retained earnings to average equity (ytd only)-3.4003%6,348
Net charge-offs to loans-0.0066%7,214
Credit loss provision to net charge-offs-1,000.0000%6,521
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8780%7,117
Assets per employee ($millions)5.7770%1,338
Cash dividends to net income (ytd only)*129.0960%539
Condition Ratios (%)
Loss allowance to loans1.1332%5,236
Loan loss allowance to noncurrent loans662.5000%549
Noncurrent assets plus other real estate owned to assets0.1125%7,254
Noncurrent loans to loans0.1710%7,037
Net loans and leases to total assets65.0348%4,804
Net loans and leases to deposits81.7697%4,322
Net loans and leases to core deposits105.2085%4,004
Total domestic deposits to total assets79.5341%5,531
Equity capital to assets13.0204%1,734
Core capital (leverage) ratio12.7746%1,570
Tier 1 risk-based capital ratio17.5849%2,160
Total risk-based capital ratio18.6302%2,165
Memoranda:
Average total assets$90,989,5005,453
Average earning assets$85,326,0005,384
Average equity$12,116,5004,805
Average total loans$60,602,0005,340
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9814%5,637
Cost of funding earning assets2.5036%4,187
Net interest margin3.4778%5,372
Noninterest income to average assets0.2615%6,583
Noninterest expense to average assets2.0028%7,437
Loan and lease loss provision to assets0.1524%5,410
Net operating income to assets1.3918%1,248
Return on assets (ROA)1.4751%1,027
Pretax return on assets1.4587%1,794
Return on Equity (ROE)11.0123%1,900
Retained earnings to average equity (ytd only)8.0360%842
Net charge-offs to loans0.0184%6,610
Credit loss provision to net charge-offs1,300.0000%346
Earnings coverage of net charge-offs (x)130.3000%342
Efficiency ratio56.7253%6,904
Assets per employee ($millions)5.5967%1,388
Cash dividends to net income (ytd only)*27.0270%4,217
Condition Ratios (%)
Loss allowance to loans1.1225%5,113
Loan loss allowance to noncurrent loans847.5000%554
Noncurrent assets plus other real estate owned to assets0.0893%7,225
Noncurrent loans to loans0.1324%7,022
Net loans and leases to total assets66.6957%4,709
Net loans and leases to deposits84.3393%4,376
Net loans and leases to core deposits104.8949%4,313
Total domestic deposits to total assets79.0803%5,350
Equity capital to assets13.6219%1,562
Core capital (leverage) ratio13.4741%1,395
Tier 1 risk-based capital ratio18.2344%1,982
Total risk-based capital ratio19.2917%1,980
Memoranda:
Average total assets$85,282,6005,505
Average earning assets$80,164,6005,429
Average equity$11,423,6004,994
Average total loans$54,293,6005,513