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Heritage Bank, Performance and Condition Ratios

2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1129%5,693
Cost of funding earning assets1.5835%14
Net interest margin1.5294%6,202
Noninterest income to average assets0.4127%3,993
Noninterest expense to average assets0.6442%6,244
Loan and lease loss provision to assets-0.7199%6,243
Net operating income to assets1.7837%539
Return on assets (ROA)3.1225%82
Pretax return on assets3.1225%109
Return on Equity (ROE)12.6569%1,209
Retained earnings to average equity (ytd only)12.6569%307
Net charge-offs to loans-6.7215%6,228
Credit loss provision to net charge-offs490.6250%662
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.7181%6,164
Assets per employee ($millions)2.4320%5,987
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loansNANA
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loansNANA
Net loans and leases to total assets0.0000%6,236
Net loans and leases to depositsNANA
Net loans and leases to core depositsNANA
Total domestic deposits to total assets0.0000%6,278
Equity capital to assets98.7596%1
Core capital (leverage) ratio32.4849%59
Tier 1 risk-based capital ratio345.4082%15
Total risk-based capital ratio345.4082%15
Memoranda:
Average total assets$58,156,5005,428
Average earning assets$49,256,0005,523
Average equity$14,347,5003,973
Average total loans$1,269,5006,230
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8907%5,954
Cost of funding earning assets1.3116%35
Net interest margin1.5791%6,271
Noninterest income to average assets0.4898%3,447
Noninterest expense to average assets1.1118%6,270
Loan and lease loss provision to assets-0.3137%6,233
Net operating income to assets1.0237%2,268
Return on assets (ROA)0.7513%3,736
Pretax return on assets0.7513%4,490
Return on Equity (ROE)3.8112%5,094
Retained earnings to average equity (ytd only)3.8112%3,579
Net charge-offs to loans-7.5620%6,305
Credit loss provision to net charge-offs178.1250%1,353
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0272%4,827
Assets per employee ($millions)9.3303%331
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans16.5289%2
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets1.8042%6,305
Net loans and leases to deposits42.4192%5,821
Net loans and leases to core deposits25,250.0000%6
Total domestic deposits to total assets4.2532%6,331
Equity capital to assets25.2671%91
Core capital (leverage) ratio19.9417%209
Tier 1 risk-based capital ratio98.6919%46
Total risk-based capital ratio99.9474%45
Memoranda:
Average total assets$72,678,0005,139
Average earning assets$61,301,0005,269
Average equity$14,326,3303,994
Average total loans$1,692,6706,307
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6318%6,168
Cost of funding earning assets1.1704%68
Net interest margin1.4614%6,352
Noninterest income to average assets0.8195%1,632
Noninterest expense to average assets0.9084%6,372
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.0762%1,944
Return on assets (ROA)0.2765%5,585
Pretax return on assets0.2765%5,696
Return on Equity (ROE)1.5537%5,791
Retained earnings to average equity (ytd only)1.5537%4,854
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.7711%6,113
Assets per employee ($millions)12.7880%122
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans14.6370%4
Loan loss allowance to noncurrent loans67.2043%4,517
Noncurrent assets plus other real estate owned to assets0.4848%4,087
Noncurrent loans to loans21.7799%9
Net loans and leases to total assets1.9002%6,379
Net loans and leases to deposits3.8768%6,381
Net loans and leases to core deposits4.3873%6,368
Total domestic deposits to total assets49.0147%6,362
Equity capital to assets19.1260%260
Core capital (leverage) ratio16.5511%412
Tier 1 risk-based capital ratio71.7293%77
Total risk-based capital ratio72.9793%78
Memoranda:
Average total assets$81,026,0005,006
Average earning assets$64,595,5005,238
Average equity$14,417,0004,009
Average total loans$1,934,0006,377
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9027%6,132
Cost of funding earning assets1.2088%79
Net interest margin1.6939%6,413
Noninterest income to average assets0.1348%6,017
Noninterest expense to average assets1.1377%6,423
Loan and lease loss provision to assets-0.0594%6,064
Net operating income to assets0.3757%5,303
Return on assets (ROA)0.5540%4,672
Pretax return on assets0.5540%5,093
Return on Equity (ROE)4.1406%5,056
Retained earnings to average equity (ytd only)4.1406%3,252
Net charge-offs to loans-0.3416%6,346
Credit loss provision to net charge-offs933.3333%287
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2482%2,174
Assets per employee ($millions)12.1891%135
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans11.5741%5
Loan loss allowance to noncurrent loans66.3130%4,625
Noncurrent assets plus other real estate owned to assets0.4418%4,345
Noncurrent loans to loans17.4537%14
Net loans and leases to total assets2.2385%6,468
Net loans and leases to deposits5.9175%6,470
Net loans and leases to core deposits7.7303%6,455
Total domestic deposits to total assets37.8287%6,463
Equity capital to assets16.5944%467
Core capital (leverage) ratio15.0633%599
Tier 1 risk-based capital ratio62.6866%84
Total risk-based capital ratio63.9060%84
Memoranda:
Average total assets$94,221,8004,751
Average earning assets$73,378,8005,057
Average equity$12,606,8004,260
Average total loans$1,756,6006,468
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9433%6,169
Cost of funding earning assets1.2166%80
Net interest margin1.7267%6,490
Noninterest income to average assets0.1424%6,065
Noninterest expense to average assets1.1170%6,504
Loan and lease loss provision to assets-0.0429%6,164
Net operating income to assets0.4064%5,225
Return on assets (ROA)0.6387%4,363
Pretax return on assets0.6387%4,907
Return on Equity (ROE)5.0413%4,697
Retained earnings to average equity (ytd only)5.0413%3,053
Net charge-offs to loans-0.4832%6,455
Credit loss provision to net charge-offs516.6667%551
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4435%2,584
Assets per employee ($millions)12.4567%126
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans16.5264%1
Loan loss allowance to noncurrent loans639.5349%814
Noncurrent assets plus other real estate owned to assets0.0493%5,958
Noncurrent loans to loans2.5841%1,113
Net loans and leases to total assets1.5929%6,547
Net loans and leases to deposits3.5213%6,550
Net loans and leases to core deposits4.8505%6,537
Total domestic deposits to total assets45.2378%6,534
Equity capital to assets15.3377%667
Core capital (leverage) ratio14.6698%679
Tier 1 risk-based capital ratio60.3178%90
Total risk-based capital ratio61.5675%90
Memoranda:
Average total assets$96,446,2504,734
Average earning assets$74,744,0005,078
Average equity$12,218,7504,340
Average total loans$1,655,7506,548
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9924%6,188
Cost of funding earning assets0.8564%542
Net interest margin2.1359%6,481
Noninterest income to average assets0.1387%6,129
Noninterest expense to average assets1.0610%6,583
Loan and lease loss provision to assets-0.0623%6,320
Net operating income to assets0.7937%3,366
Return on assets (ROA)0.7937%3,463
Pretax return on assets0.7937%4,299
Return on Equity (ROE)6.6759%3,790
Retained earnings to average equity (ytd only)6.6759%1,939
Net charge-offs to loans-0.7260%6,547
Credit loss provision to net charge-offs516.6667%567
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1928%5,404
Assets per employee ($millions)15.2944%76
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans18.6694%1
Loan loss allowance to noncurrent loans611.1111%772
Noncurrent assets plus other real estate owned to assets0.0420%6,074
Noncurrent loans to loans3.0550%936
Net loans and leases to total assets1.1190%6,616
Net loans and leases to deposits2.4020%6,618
Net loans and leases to core deposits3.6558%6,605
Total domestic deposits to total assets46.5865%6,600
Equity capital to assets12.3247%1,760
Core capital (leverage) ratio11.8862%1,725
Tier 1 risk-based capital ratio53.2338%116
Total risk-based capital ratio54.3842%116
Memoranda:
Average total assets$99,529,3304,695
Average earning assets$77,062,3305,044
Average equity$11,833,6704,429
Average total loans$1,653,0006,614
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0596%6,172
Cost of funding earning assets0.9113%426
Net interest margin2.1484%6,548
Noninterest income to average assets0.1545%6,047
Noninterest expense to average assets1.1278%6,653
Loan and lease loss provision to assets-0.1044%6,498
Net operating income to assets0.7560%3,379
Return on assets (ROA)0.7560%3,467
Pretax return on assets0.7560%4,287
Return on Equity (ROE)6.4915%3,756
Retained earnings to average equity (ytd only)6.4915%2,287
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3803%4,952
Assets per employee ($millions)14.6194%80
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans16.3011%1
Loan loss allowance to noncurrent loans585.1064%819
Noncurrent assets plus other real estate owned to assets0.0459%6,147
Noncurrent loans to loans2.7860%1,201
Net loans and leases to total assets1.3798%6,686
Net loans and leases to deposits3.5493%6,688
Net loans and leases to core deposits8.1454%6,673
Total domestic deposits to total assets38.8749%6,678
Equity capital to assets11.5903%2,177
Core capital (leverage) ratio12.2249%1,520
Tier 1 risk-based capital ratio49.4818%138
Total risk-based capital ratio50.5696%139
Memoranda:
Average total assets$95,763,5004,824
Average earning assets$72,427,5005,218
Average equity$11,153,0004,576
Average total loans$1,743,0006,683
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7862%6,504
Cost of funding earning assets0.9780%504
Net interest margin1.8083%6,685
Noninterest income to average assets0.2044%5,857
Noninterest expense to average assets1.0648%6,740
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.4582%4,916
Return on assets (ROA)0.4582%5,048
Pretax return on assets0.4582%5,330
Return on Equity (ROE)3.4870%5,326
Retained earnings to average equity (ytd only)3.4870%3,745
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9134%3,849
Assets per employee ($millions)12.7416%122
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans16.6759%1
Loan loss allowance to noncurrent loans612.2449%802
Noncurrent assets plus other real estate owned to assets0.0549%6,202
Noncurrent loans to loans2.7237%1,329
Net loans and leases to total assets1.6807%6,766
Net loans and leases to deposits4.1737%6,769
Net loans and leases to core deposits7.4447%6,754
Total domestic deposits to total assets40.2675%6,761
Equity capital to assets11.7108%2,020
Core capital (leverage) ratio13.8239%875
Tier 1 risk-based capital ratio52.2238%118
Total risk-based capital ratio53.4734%116
Memoranda:
Average total assets$91,007,2004,953
Average earning assets$66,361,8005,397
Average equity$11,958,6004,449
Average total loans$2,221,2006,768
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7666%6,590
Cost of funding earning assets0.9775%559
Net interest margin1.7891%6,772
Noninterest income to average assets0.2187%5,866
Noninterest expense to average assets1.2129%6,782
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.3105%5,584
Return on assets (ROA)0.3105%5,697
Pretax return on assets0.3105%5,848
Return on Equity (ROE)2.3019%5,851
Retained earnings to average equity (ytd only)2.3019%4,949
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.6172%2,159
Assets per employee ($millions)13.1034%113
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans13.9340%2
Loan loss allowance to noncurrent loans588.2353%772
Noncurrent assets plus other real estate owned to assets0.0556%6,284
Noncurrent loans to loans2.3688%1,857
Net loans and leases to total assets2.0202%6,846
Net loans and leases to deposits4.9851%6,848
Net loans and leases to core deposits8.6387%6,834
Total domestic deposits to total assets40.5248%6,838
Equity capital to assets11.9086%1,977
Core capital (leverage) ratio13.2197%1,121
Tier 1 risk-based capital ratio50.9539%130
Total risk-based capital ratio52.2021%130
Memoranda:
Average total assets$91,461,2504,992
Average earning assets$66,698,2505,438
Average equity$12,337,0004,428
Average total loans$2,326,7506,845
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7874%6,615
Cost of funding earning assets0.9772%607
Net interest margin1.8102%6,815
Noninterest income to average assets0.1642%6,234
Noninterest expense to average assets1.2192%6,828
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.2627%5,737
Return on assets (ROA)0.2627%5,870
Pretax return on assets0.2627%5,973
Return on Equity (ROE)1.8738%5,994
Retained earnings to average equity (ytd only)1.8738%5,077
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2747%1,846
Assets per employee ($millions)13.4239%103
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans13.7174%2
Loan loss allowance to noncurrent loans454.5455%952
Noncurrent assets plus other real estate owned to assets0.0702%6,290
Noncurrent loans to loans3.0178%1,474
Net loans and leases to total assets2.0082%6,897
Net loans and leases to deposits5.0455%6,899
Net loans and leases to core deposits9.1500%6,885
Total domestic deposits to total assets39.8012%6,887
Equity capital to assets11.6732%2,155
Core capital (leverage) ratio12.8052%1,246
Tier 1 risk-based capital ratio49.6739%129
Total risk-based capital ratio50.9124%129
Memoranda:
Average total assets$91,373,6705,026
Average earning assets$66,513,3305,480
Average equity$12,808,3304,373
Average total loans$2,384,6706,893
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7405%6,715
Cost of funding earning assets1.0138%570
Net interest margin1.7266%6,906
Noninterest income to average assets0.1554%6,329
Noninterest expense to average assets1.2256%6,901
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.1776%5,960
Return on assets (ROA)0.1776%6,066
Pretax return on assets0.1776%6,117
Return on Equity (ROE)1.1655%6,182
Retained earnings to average equity (ytd only)1.1655%5,384
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3418%1,389
Assets per employee ($millions)12.9976%118
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans12.5052%6
Loan loss allowance to noncurrent loans97.7199%3,423
Noncurrent assets plus other real estate owned to assets0.3374%5,576
Noncurrent loans to loans12.7970%117
Net loans and leases to total assets2.3070%6,975
Net loans and leases to deposits5.7165%6,976
Net loans and leases to core deposits9.5444%6,957
Total domestic deposits to total assets40.3570%6,964
Equity capital to assets14.9456%767
Core capital (leverage) ratio13.1372%1,061
Tier 1 risk-based capital ratio53.9594%116
Total risk-based capital ratio55.2099%116
Memoranda:
Average total assets$90,077,0005,095
Average earning assets$65,098,5005,573
Average equity$13,728,0004,242
Average total loans$2,483,5006,970
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9537%6,792
Cost of funding earning assets1.1286%813
Net interest margin1.8251%6,961
Noninterest income to average assets0.3121%5,223
Noninterest expense to average assets1.1616%6,986
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.4294%4,968
Return on assets (ROA)0.4294%5,213
Pretax return on assets0.4294%5,482
Return on Equity (ROE)2.7509%5,652
Retained earnings to average equity (ytd only)2.7509%4,302
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0088%3,240
Assets per employee ($millions)12.7387%129
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans11.6822%10
Loan loss allowance to noncurrent loans379.7468%1,039
Noncurrent assets plus other real estate owned to assets0.0886%6,373
Noncurrent loans to loans3.0763%1,687
Net loans and leases to total assets2.5434%7,034
Net loans and leases to deposits5.9115%7,035
Net loans and leases to core deposits10.4806%7,016
Total domestic deposits to total assets43.0252%7,026
Equity capital to assets15.5409%628
Core capital (leverage) ratio13.3584%1,000
Tier 1 risk-based capital ratio49.6623%140
Total risk-based capital ratio50.9131%140
Memoranda:
Average total assets$85,228,6005,209
Average earning assets$59,722,2005,753
Average equity$13,304,6004,296
Average total loans$2,907,4007,035
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9399%6,921
Cost of funding earning assets1.1596%833
Net interest margin1.7803%7,079
Noninterest income to average assets0.3529%4,994
Noninterest expense to average assets1.2266%7,074
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.3656%5,389
Return on assets (ROA)0.3656%5,586
Pretax return on assets0.3656%5,800
Return on Equity (ROE)2.3392%5,934
Retained earnings to average equity (ytd only)2.3392%5,168
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0378%2,517
Assets per employee ($millions)11.9753%145
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans9.5420%17
Loan loss allowance to noncurrent loans365.8537%1,023
Noncurrent assets plus other real estate owned to assets0.0978%6,487
Noncurrent loans to loans2.6081%2,191
Net loans and leases to total assets3.3927%7,136
Net loans and leases to deposits7.0160%7,135
Net loans and leases to core deposits11.1055%7,119
Total domestic deposits to total assets48.3567%7,116
Equity capital to assets16.4756%532
Core capital (leverage) ratio14.0478%825
Tier 1 risk-based capital ratio54.0733%122
Total risk-based capital ratio55.3270%121
Memoranda:
Average total assets$84,243,0005,292
Average earning assets$58,641,0005,855
Average equity$13,166,2504,364
Average total loans$2,992,2507,131
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9373%6,997
Cost of funding earning assets1.1736%919
Net interest margin1.7638%7,157
Noninterest income to average assets0.4148%4,550
Noninterest expense to average assets1.2064%7,141
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.4337%5,104
Return on assets (ROA)0.4337%5,327
Pretax return on assets0.4337%5,621
Return on Equity (ROE)2.8260%5,751
Retained earnings to average equity (ytd only)2.8260%4,742
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.5549%3,153
Assets per employee ($millions)12.1907%137
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans8.9579%24
Loan loss allowance to noncurrent loans329.6703%1,086
Noncurrent assets plus other real estate owned to assets0.1066%6,528
Noncurrent loans to loans2.7172%2,211
Net loans and leases to total assets3.5730%7,199
Net loans and leases to deposits8.1657%7,200
Net loans and leases to core deposits12.4165%7,179
Total domestic deposits to total assets43.7558%7,192
Equity capital to assets15.5927%665
Core capital (leverage) ratio13.7433%884
Tier 1 risk-based capital ratio53.9892%116
Total risk-based capital ratio55.2415%114
Memoranda:
Average total assets$84,381,6705,318
Average earning assets$58,624,6705,886
Average equity$12,951,3304,401
Average total loans$2,941,6707,194
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9550%7,056
Cost of funding earning assets1.1875%1,043
Net interest margin1.7675%7,209
Noninterest income to average assets0.6960%2,677
Noninterest expense to average assets1.2729%7,185
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.6436%4,150
Return on assets (ROA)0.6436%4,357
Pretax return on assets0.6436%4,957
Return on Equity (ROE)4.2273%5,179
Retained earnings to average equity (ytd only)4.2273%4,054
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4179%4,480
Assets per employee ($millions)12.5023%135
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans11.0660%12
Loan loss allowance to noncurrent loans315.7895%1,053
Noncurrent assets plus other real estate owned to assets0.1086%6,606
Noncurrent loans to loans3.5042%1,781
Net loans and leases to total assets2.7549%7,262
Net loans and leases to deposits6.1322%7,263
Net loans and leases to core deposits8.6187%7,248
Total domestic deposits to total assets44.9255%7,254
Equity capital to assets14.5905%837
Core capital (leverage) ratio13.3563%1,001
Tier 1 risk-based capital ratio57.0341%104
Total risk-based capital ratio58.2687%102
Memoranda:
Average total assets$83,905,0005,365
Average earning assets$57,936,5005,941
Average equity$12,774,0004,448
Average total loans$2,738,0007,258
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0574%7,165
Cost of funding earning assets1.1853%2,128
Net interest margin1.8721%7,247
Noninterest income to average assets0.8811%1,741
Noninterest expense to average assets1.7611%7,000
Loan and lease loss provision to assets0.1989%4,200
Net operating income to assets0.2659%5,382
Return on assets (ROA)1.3063%1,337
Pretax return on assets1.3063%2,101
Return on Equity (ROE)10.4163%1,913
Retained earnings to average equity (ytd only)10.4163%487
Net charge-offs to loans-0.7162%7,295
Credit loss provision to net charge-offs-822.7273%6,855
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1214%2,423
Assets per employee ($millions)11.4706%165
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans10.8499%12
Loan loss allowance to noncurrent loans312.5000%1,067
Noncurrent assets plus other real estate owned to assets0.1196%6,659
Noncurrent loans to loans3.4720%1,845
Net loans and leases to total assets3.0700%7,310
Net loans and leases to deposits6.0879%7,313
Net loans and leases to core deposits8.5415%7,296
Total domestic deposits to total assets50.4272%7,284
Equity capital to assets15.9153%591
Core capital (leverage) ratio14.5985%691
Tier 1 risk-based capital ratio69.9667%70
Total risk-based capital ratio71.2216%69
Memoranda:
Average total assets$91,021,0005,156
Average earning assets$65,381,8005,689
Average equity$11,414,8004,679
Average total loans$3,071,8007,300
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1625%7,220
Cost of funding earning assets1.1486%2,640
Net interest margin2.0139%7,297
Noninterest income to average assets0.6602%2,823
Noninterest expense to average assets1.8313%6,949
Loan and lease loss provision to assets0.1864%4,163
Net operating income to assets0.1096%5,940
Return on assets (ROA)1.4571%1,107
Pretax return on assets1.4571%1,766
Return on Equity (ROE)12.3292%1,455
Retained earnings to average equity (ytd only)12.3292%462
Net charge-offs to loans-0.9316%7,380
Credit loss provision to net charge-offs-595.4545%6,690
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.0870%1,521
Assets per employee ($millions)11.8766%154
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans8.2672%28
Loan loss allowance to noncurrent loans250.0000%1,245
Noncurrent assets plus other real estate owned to assets0.1203%6,748
Noncurrent loans to loans3.3069%2,087
Net loans and leases to total assets3.3367%7,386
Net loans and leases to deposits6.6718%7,387
Net loans and leases to core deposits10.1694%7,366
Total domestic deposits to total assets50.0120%7,360
Equity capital to assets15.4229%740
Core capital (leverage) ratio13.9248%916
Tier 1 risk-based capital ratio65.3098%93
Total risk-based capital ratio66.5614%92
Memoranda:
Average total assets$93,702,7505,114
Average earning assets$68,256,0005,645
Average equity$11,073,7504,790
Average total loans$3,148,5007,374
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1851%7,288
Cost of funding earning assets1.0506%3,596
Net interest margin2.1346%7,333
Noninterest income to average assets0.6315%2,941
Noninterest expense to average assets1.6848%7,190
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.5225%4,403
Return on assets (ROA)0.5739%4,317
Pretax return on assets0.5739%4,834
Return on Equity (ROE)5.3188%4,297
Retained earnings to average equity (ytd only)5.3188%2,795
Net charge-offs to loans0.1254%4,475
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)127.0000%276
Efficiency ratio76.3281%2,963
Assets per employee ($millions)14.1903%102
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.2635%719
Loan loss allowance to noncurrent loans93.1373%3,084
Noncurrent assets plus other real estate owned to assets0.1027%6,837
Noncurrent loans to loans3.5040%2,016
Net loans and leases to total assets2.8349%7,460
Net loans and leases to deposits5.6831%7,464
Net loans and leases to core deposits8.0971%7,450
Total domestic deposits to total assets49.8832%7,429
Equity capital to assets11.3196%2,665
Core capital (leverage) ratio10.7699%2,453
Tier 1 risk-based capital ratio45.9405%170
Total risk-based capital ratio46.3509%176
Memoranda:
Average total assets$97,225,0005,042
Average earning assets$71,771,0005,562
Average equity$10,491,0004,925
Average total loans$3,190,0007,446
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1780%7,346
Cost of funding earning assets0.9387%4,658
Net interest margin2.2393%7,341
Noninterest income to average assets0.6239%3,015
Noninterest expense to average assets1.6554%7,264
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.6156%3,962
Return on assets (ROA)0.6156%4,027
Pretax return on assets0.6156%4,629
Return on Equity (ROE)5.8530%3,987
Retained earnings to average equity (ytd only)5.8530%2,723
Net charge-offs to loans0.4806%2,268
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)37.0000%721
Efficiency ratio72.8938%3,705
Assets per employee ($millions)13.8694%112
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.8909%1,019
Loan loss allowance to noncurrent loans80.8696%3,491
Noncurrent assets plus other real estate owned to assets0.1185%6,870
Noncurrent loans to loans3.5748%2,081
Net loans and leases to total assets3.2178%7,520
Net loans and leases to deposits27.0476%7,402
Net loans and leases to core deposits411.0526%38
Total domestic deposits to total assets11.8967%7,545
Equity capital to assets10.4917%3,182
Core capital (leverage) ratio10.7803%2,373
Tier 1 risk-based capital ratio46.8645%158
Total risk-based capital ratio47.2796%163
Memoranda:
Average total assets$96,171,5005,104
Average earning assets$70,736,0005,640
Average equity$10,114,5005,019
Average total loans$3,329,5007,505
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0474%7,490
Cost of funding earning assets1.2968%3,907
Net interest margin1.7506%7,509
Noninterest income to average assets0.8089%2,236
Noninterest expense to average assets1.8639%7,203
Loan and lease loss provision to assets-0.0658%7,596
Net operating income to assets0.1998%5,262
Return on assets (ROA)0.1998%5,439
Pretax return on assets0.1998%5,490
Return on Equity (ROE)1.5015%5,558
Retained earnings to average equity (ytd only)1.5015%4,779
Net charge-offs to loans5.5962%121
Credit loss provision to net charge-offs-20.7692%6,992
Earnings coverage of net charge-offs (x)0.4231%5,686
Efficiency ratio93.2927%1,101
Assets per employee ($millions)11.9071%160
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.8181%1,032
Loan loss allowance to noncurrent loans48.2587%5,097
Noncurrent assets plus other real estate owned to assets0.2110%6,702
Noncurrent loans to loans5.8396%1,087
Net loans and leases to total assets3.5116%7,603
Net loans and leases to deposits24.6536%7,528
Net loans and leases to core deposits429.9486%37
Total domestic deposits to total assets14.2436%7,620
Equity capital to assets10.5431%3,114
Core capital (leverage) ratio10.8323%2,279
Tier 1 risk-based capital ratio49.3563%150
Total risk-based capital ratio49.8188%154
Memoranda:
Average total assets$82,087,6005,530
Average earning assets$55,751,8006,141
Average equity$10,922,4004,881
Average total loans$4,646,0007,564
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1483%7,602
Cost of funding earning assets1.4478%3,292
Net interest margin1.7006%7,639
Noninterest income to average assets0.7394%2,586
Noninterest expense to average assets1.3875%7,598
Loan and lease loss provision to assets0.2369%4,708
Net operating income to assets0.2420%5,384
Return on assets (ROA)0.2420%5,540
Pretax return on assets0.2420%5,636
Return on Equity (ROE)1.7111%5,700
Retained earnings to average equity (ytd only)1.7111%5,105
Net charge-offs to loans7.1152%63
Credit loss provision to net charge-offs53.0303%5,842
Earnings coverage of net charge-offs (x)1.0720%4,983
Efficiency ratio74.3427%3,260
Assets per employee ($millions)9.2959%316
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans7.0017%61
Loan loss allowance to noncurrent loans77.5676%3,472
Noncurrent assets plus other real estate owned to assets1.7131%3,877
Noncurrent loans to loans9.0266%533
Net loans and leases to total assets5.1259%7,703
Net loans and leases to deposits112.3490%212
Net loans and leases to core deposits1,194.9843%27
Total domestic deposits to total assets4.5625%7,740
Equity capital to assets15.3240%816
Core capital (leverage) ratio14.0914%900
Tier 1 risk-based capital ratio60.4070%109
Total risk-based capital ratio61.6644%106
Memoranda:
Average total assets$78,795,2505,695
Average earning assets$52,217,0006,361
Average equity$11,142,2504,890
Average total loans$4,947,0007,657
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2189%7,673
Cost of funding earning assets1.5071%3,216
Net interest margin1.7118%7,711
Noninterest income to average assets0.7699%2,284
Noninterest expense to average assets1.3903%7,673
Loan and lease loss provision to assets0.1993%4,875
Net operating income to assets0.3264%5,084
Return on assets (ROA)0.3264%5,244
Pretax return on assets0.3264%5,427
Return on Equity (ROE)2.3694%5,515
Retained earnings to average equity (ytd only)2.3694%4,651
Net charge-offs to loans10.0962%32
Credit loss provision to net charge-offs30.3030%5,729
Earnings coverage of net charge-offs (x)0.7992%4,972
Efficiency ratio72.5618%3,731
Assets per employee ($millions)9.6698%278
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans4.8796%185
Loan loss allowance to noncurrent loans59.4241%4,376
Noncurrent assets plus other real estate owned to assets1.6624%3,940
Noncurrent loans to loans8.2115%623
Net loans and leases to total assets5.7202%7,769
Net loans and leases to deposits625.8840%12
Net loans and leases to core deposits625.8840%34
Total domestic deposits to total assets0.9139%7,824
Equity capital to assets14.6190%970
Core capital (leverage) ratio13.5054%1,056
Tier 1 risk-based capital ratio57.2182%121
Total risk-based capital ratio58.4665%119
Memoranda:
Average total assets$80,271,3305,692
Average earning assets$53,744,3306,335
Average equity$11,057,6704,911
Average total loans$5,229,6707,716
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3145%7,750
Cost of funding earning assets1.7224%2,279
Net interest margin1.5921%7,814
Noninterest income to average assets0.7195%2,471
Noninterest expense to average assets1.5025%7,710
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.2937%5,322
Return on assets (ROA)0.2937%5,452
Pretax return on assets0.2937%5,621
Return on Equity (ROE)2.1954%5,679
Retained earnings to average equity (ytd only)2.1954%4,813
Net charge-offs to loans5.0014%240
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)0.8696%4,265
Efficiency ratio83.6512%2,054
Assets per employee ($millions)8.8571%370
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans6.3086%86
Loan loss allowance to noncurrent loans159.5960%1,758
Noncurrent assets plus other real estate owned to assets1.2808%4,612
Noncurrent loans to loans3.9529%1,992
Net loans and leases to total assets5.8873%7,872
Net loans and leases to deposits747.2930%14
Net loans and leases to core deposits747.2930%34
Total domestic deposits to total assets0.7878%7,929
Equity capital to assets14.0490%1,124
Core capital (leverage) ratio13.0046%1,211
Tier 1 risk-based capital ratio55.0941%128
Total risk-based capital ratio56.3475%128
Memoranda:
Average total assets$81,728,0005,716
Average earning assets$55,271,5006,352
Average equity$10,932,0004,998
Average total loans$5,518,5007,811
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7178%7,779
Cost of funding earning assets1.9966%2,977
Net interest margin1.7212%7,826
Noninterest income to average assets0.8489%2,182
Noninterest expense to average assets1.8925%7,517
Loan and lease loss provision to assets0.0146%7,349
Net operating income to assets0.2259%4,816
Return on assets (ROA)2.5623%89
Pretax return on assets2.5623%147
Return on Equity (ROE)8.6932%2,125
Retained earnings to average equity (ytd only)2.4540%3,421
Net charge-offs to loans3.2405%627
Credit loss provision to net charge-offs4.4910%6,994
Earnings coverage of net charge-offs (x)0.7395%5,360
Efficiency ratio88.7266%1,819
Assets per employee ($millions)9.3047%323
Cash dividends to net income (ytd only)*71.7705%1,493
Condition Ratios (%)
Loss allowance to loans6.3869%85
Loan loss allowance to noncurrent loans99.7409%2,821
Noncurrent assets plus other real estate owned to assets1.0855%4,921
Noncurrent loans to loans6.4035%950
Net loans and leases to total assets6.7386%7,944
Net loans and leases to deposits1,699.6988%13
Net loans and leases to core deposits1,699.6988%15
Total domestic deposits to total assets0.3965%8,008
Equity capital to assets12.7355%1,622
Core capital (leverage) ratio12.2304%1,562
Tier 1 risk-based capital ratio51.4943%154
Total risk-based capital ratio52.7535%151
Memoranda:
Average total assets$102,718,6005,021
Average earning assets$76,630,8005,575
Average equity$30,276,6002,210
Average total loans$10,307,2007,694
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9047%7,833
Cost of funding earning assets2.0088%3,314
Net interest margin1.8958%7,854
Noninterest income to average assets0.6824%3,140
Noninterest expense to average assets1.9938%7,401
Loan and lease loss provision to assets0.0124%7,211
Net operating income to assets0.1129%5,426
Return on assets (ROA)3.0906%65
Pretax return on assets3.0906%101
Return on Equity (ROE)9.4409%2,116
Retained earnings to average equity (ytd only)2.2816%4,051
Net charge-offs to loans0.7149%2,562
Credit loss provision to net charge-offs16.3934%6,593
Earnings coverage of net charge-offs (x)1.6557%4,550
Efficiency ratio94.0867%1,390
Assets per employee ($millions)8.7682%393
Cash dividends to net income (ytd only)*75.8329%1,083
Condition Ratios (%)
Loss allowance to loans6.6388%58
Loan loss allowance to noncurrent loans60.1476%4,357
Noncurrent assets plus other real estate owned to assets1.4370%4,234
Noncurrent loans to loans11.0376%328
Net loans and leases to total assets11.6190%8,010
Net loans and leases to deposits1,495.7586%14
Net loans and leases to core deposits1,495.7586%15
Total domestic deposits to total assets0.7768%8,091
Equity capital to assets13.1928%1,625
Core capital (leverage) ratio12.6772%1,509
Tier 1 risk-based capital ratio50.1994%168
Total risk-based capital ratio51.4765%166
Memoranda:
Average total assets$107,462,7504,923
Average earning assets$81,439,2505,440
Average equity$35,179,5001,931
Average total loans$11,377,0007,712
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9972%7,909
Cost of funding earning assets1.9305%4,109
Net interest margin2.0668%7,824
Noninterest income to average assets0.6514%3,338
Noninterest expense to average assets2.1918%7,078
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.0667%5,657
Return on assets (ROA)4.1700%33
Pretax return on assets4.1700%50
Return on Equity (ROE)11.2304%1,636
Retained earnings to average equity (ytd only)2.5325%3,921
Net charge-offs to loans0.8575%1,973
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)0.7647%4,967
Efficiency ratio97.0477%1,309
Assets per employee ($millions)9.3686%315
Cash dividends to net income (ytd only)*77.4498%1,134
Condition Ratios (%)
Loss allowance to loans6.8291%56
Loan loss allowance to noncurrent loans59.6347%4,480
Noncurrent assets plus other real estate owned to assets1.5477%3,904
Noncurrent loans to loans11.4516%252
Net loans and leases to total assets10.5661%8,101
Net loans and leases to deposits1,628.7020%13
Net loans and leases to core deposits1,628.7020%16
Total domestic deposits to total assets0.6487%8,191
Equity capital to assets12.3273%2,012
Core capital (leverage) ratio11.8032%1,916
Tier 1 risk-based capital ratio46.5553%208
Total risk-based capital ratio47.8259%208
Memoranda:
Average total assets$116,979,0004,708
Average earning assets$90,963,0005,163
Average equity$43,435,6701,568
Average total loans$11,895,6707,757
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2435%7,882
Cost of funding earning assets1.9897%4,183
Net interest margin2.2538%7,756
Noninterest income to average assets0.5971%3,569
Noninterest expense to average assets2.7275%4,889
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-0.3121%6,693
Return on assets (ROA)6.4961%22
Pretax return on assets6.4961%26
Return on Equity (ROE)14.4438%1,082
Retained earnings to average equity (ytd only)3.3091%4,039
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio112.9193%751
Assets per employee ($millions)10.3248%243
Cash dividends to net income (ytd only)*77.0901%1,126
Condition Ratios (%)
Loss allowance to loans6.1788%59
Loan loss allowance to noncurrent loans111.9469%2,769
Noncurrent assets plus other real estate owned to assets0.7834%5,217
Noncurrent loans to loans5.5194%927
Net loans and leases to total assets12.4027%8,150
Net loans and leases to deposits2,888.4712%11
Net loans and leases to core deposits2,888.4712%13
Total domestic deposits to total assets0.4294%8,244
Equity capital to assets63.7894%47
Core capital (leverage) ratio64.0082%51
Tier 1 risk-based capital ratio255.1160%25
Total risk-based capital ratio256.3907%25
Memoranda:
Average total assets$133,310,0004,341
Average earning assets$107,553,0004,703
Average equity$59,956,5001,146
Average total loans$13,062,5007,743
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9600%7,863
Cost of funding earning assets2.7660%2,851
Net interest margin2.1940%7,965
Noninterest income to average assets0.1744%7,182
Noninterest expense to average assets0.8438%8,224
Loan and lease loss provision to assets0.2604%4,319
Net operating income to assets0.9708%2,688
Return on assets (ROA)1.8640%455
Pretax return on assets1.8640%825
Return on Equity (ROE)6.2399%3,847
Retained earnings to average equity (ytd only)2.8578%3,398
Net charge-offs to loans1.0921%1,116
Credit loss provision to net charge-offs250.9524%1,855
Earnings coverage of net charge-offs (x)11.8667%2,318
Efficiency ratio40.6667%8,115
Assets per employee ($millions)19.2997%80
Cash dividends to net income (ytd only)*54.2009%2,923
Condition Ratios (%)
Loss allowance to loans5.7872%67
Loan loss allowance to noncurrent loans84.2271%3,987
Noncurrent assets plus other real estate owned to assets0.5475%5,535
Noncurrent loans to loans6.8709%450
Net loans and leases to total assets7.5073%8,220
Net loans and leases to deposits33.4342%8,070
Net loans and leases to core deposits38.1175%8,083
Total domestic deposits to total assets22.4540%8,234
Equity capital to assets34.9102%126
Core capital (leverage) ratio34.4221%139
Tier 1 risk-based capital ratio159.8734%49
Total risk-based capital ratio161.1342%49
Memoranda:
Average total assets$202,418,6003,111
Average earning assets$175,342,4003,256
Average equity$60,465,8001,111
Average total loans$19,229,4007,385