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High Desert Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4870%4,902
Cost of funding earning assets0.1937%5,049
Net interest margin3.2932%4,206
Noninterest income to average assets0.3332%3,926
Noninterest expense to average assets7.5076%99
Loan and lease loss provision to assets-2.1170%5,605
Net operating income to assets-2.0582%5,572
Return on assets (ROA)-2.0582%5,570
Pretax return on assets-2.0582%5,567
Return on Equity (ROE)-141.1765%5,605
Retained earnings to average equity (ytd only)-141.1765%5,605
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio225.2941%11
Assets per employee ($millions)3.3883%4,805
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans3.6366%83
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets38.4506%5,124
Net loans and leases to deposits38.9022%5,292
Net loans and leases to core deposits38.9022%5,332
Total domestic deposits to total assets98.8392%1
Equity capital to assets1.0871%5,606
Core capital (leverage) ratio1.7608%5,606
Tier 1 risk-based capital ratio3.8839%5,603
Total risk-based capital ratio5.1536%5,603
Memoranda:
Average total assets$20,406,0005,536
Average earning assets$18,583,5005,528
Average equity$297,5005,606
Average total loans$7,912,0005,517
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5765%4,622
Cost of funding earning assets0.2505%4,556
Net interest margin3.3260%4,077
Noninterest income to average assets0.6600%2,137
Noninterest expense to average assets7.0683%113
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets-3.4130%5,655
Return on assets (ROA)-3.4130%5,654
Pretax return on assets-3.4130%5,656
Return on Equity (ROE)-106.3525%5,666
Retained earnings to average equity (ytd only)-106.3525%5,666
Net charge-offs to loans-0.0425%5,146
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio193.3714%12
Assets per employee ($millions)3.4137%4,807
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans5.2256%31
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets35.6850%5,298
Net loans and leases to deposits36.3813%5,422
Net loans and leases to core deposits36.3813%5,453
Total domestic deposits to total assets98.0861%1
Equity capital to assets1.8260%5,670
Core capital (leverage) ratio2.1657%5,670
Tier 1 risk-based capital ratio5.3722%5,665
Total risk-based capital ratio6.6583%5,665
Memoranda:
Average total assets$23,938,0005,558
Average earning assets$21,557,2005,548
Average equity$768,2005,665
Average total loans$9,418,0005,550
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4425%4,902
Cost of funding earning assets0.2570%4,508
Net interest margin3.1855%4,490
Noninterest income to average assets0.7580%1,741
Noninterest expense to average assets7.1122%115
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets-3.4889%5,721
Return on assets (ROA)-3.4889%5,721
Pretax return on assets-3.4889%5,721
Return on Equity (ROE)-99.8339%5,732
Retained earnings to average equity (ytd only)-99.8339%5,731
Net charge-offs to loans-0.0406%5,098
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio196.2908%11
Assets per employee ($millions)3.9108%4,138
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans4.4587%50
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets36.7100%5,320
Net loans and leases to deposits37.6865%5,466
Net loans and leases to core deposits37.6865%5,497
Total domestic deposits to total assets97.4089%1
Equity capital to assets2.3993%5,734
Core capital (leverage) ratio2.7226%5,735
Tier 1 risk-based capital ratio6.6910%5,722
Total risk-based capital ratio7.9729%5,722
Memoranda:
Average total assets$24,802,0005,608
Average earning assets$22,308,7505,604
Average equity$866,7505,731
Average total loans$9,844,5005,605
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5024%4,757
Cost of funding earning assets0.2770%4,317
Net interest margin3.2254%4,338
Noninterest income to average assets0.6337%2,299
Noninterest expense to average assets7.1373%120
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets-3.6439%5,773
Return on assets (ROA)-3.6439%5,773
Pretax return on assets-3.6439%5,772
Return on Equity (ROE)-95.0413%5,781
Retained earnings to average equity (ytd only)-95.0413%5,776
Net charge-offs to loans-0.0395%5,068
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio204.3084%12
Assets per employee ($millions)4.7702%2,689
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans4.1435%61
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets38.9921%5,260
Net loans and leases to deposits40.3278%5,446
Net loans and leases to core deposits41.2636%5,465
Total domestic deposits to total assets96.6878%2
Equity capital to assets3.1110%5,780
Core capital (leverage) ratio3.2522%5,781
Tier 1 risk-based capital ratio7.9330%5,766
Total risk-based capital ratio9.2038%5,761
Memoranda:
Average total assets$25,247,6705,652
Average earning assets$22,384,6705,648
Average equity$968,0005,781
Average total loans$10,120,6705,643
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7399%3,975
Cost of funding earning assets0.2849%4,197
Net interest margin3.4550%3,431
Noninterest income to average assets0.8633%1,350
Noninterest expense to average assets7.4925%113
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets-3.6383%5,842
Return on assets (ROA)-3.6383%5,842
Pretax return on assets-3.6383%5,836
Return on Equity (ROE)-87.3265%5,851
Retained earnings to average equity (ytd only)-87.3265%5,840
Net charge-offs to loans-0.0387%5,057
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio194.4000%19
Assets per employee ($millions)4.3327%3,450
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans4.1264%75
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets35.8401%5,407
Net loans and leases to deposits37.3023%5,543
Net loans and leases to core deposits38.0985%5,574
Total domestic deposits to total assets96.0802%6
Equity capital to assets3.6852%5,843
Core capital (leverage) ratio4.0484%5,842
Tier 1 risk-based capital ratio9.7367%5,748
Total risk-based capital ratio11.0115%5,728
Memoranda:
Average total assets$25,946,0005,717
Average earning assets$22,460,5005,712
Average equity$1,081,0005,844
Average total loans$10,330,0005,702
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4555%4,878
Cost of funding earning assets0.3407%3,627
Net interest margin3.1148%4,692
Noninterest income to average assets2.5266%250
Noninterest expense to average assets9.6816%78
Loan and lease loss provision to assets-0.7323%5,895
Net operating income to assets-3.6105%5,900
Return on assets (ROA)-3.6105%5,900
Pretax return on assets-3.6105%5,899
Return on Equity (ROE)-60.0926%5,906
Retained earnings to average equity (ytd only)-60.0926%5,904
Net charge-offs to loans0.3068%896
Credit loss provision to net charge-offs-500.0000%5,166
Earnings coverage of net charge-offs (x)-29.6500%4,265
Efficiency ratio181.3443%18
Assets per employee ($millions)5.1792%2,206
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans3.6465%99
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets40.7129%5,286
Net loans and leases to deposits42.8003%5,466
Net loans and leases to core deposits44.2017%5,480
Total domestic deposits to total assets95.1228%10
Equity capital to assets4.6494%5,884
Core capital (leverage) ratio4.8538%5,883
Tier 1 risk-based capital ratio10.7348%5,470
Total risk-based capital ratio12.0132%5,354
Memoranda:
Average total assets$27,309,6005,754
Average earning assets$24,656,2005,737
Average equity$1,640,8005,881
Average total loans$13,036,6005,714
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4403%4,935
Cost of funding earning assets0.3499%3,541
Net interest margin3.0904%4,796
Noninterest income to average assets2.5641%252
Noninterest expense to average assets10.5313%65
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets-5.1572%5,976
Return on assets (ROA)-5.1572%5,976
Pretax return on assets-5.1572%5,975
Return on Equity (ROE)-81.5217%5,977
Retained earnings to average equity (ytd only)-81.5217%5,975
Net charge-offs to loans1.5633%82
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)-6.7297%3,908
Efficiency ratio195.9641%12
Assets per employee ($millions)2.6637%5,629
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans4.4818%59
Loan loss allowance to noncurrent loans545.4545%980
Noncurrent assets plus other real estate owned to assets0.3304%4,076
Noncurrent loans to loans0.8217%2,617
Net loans and leases to total assets38.4052%5,446
Net loans and leases to deposits40.3264%5,625
Net loans and leases to core deposits41.6040%5,643
Total domestic deposits to total assets95.2359%10
Equity capital to assets4.5163%5,955
Core capital (leverage) ratio4.5133%5,953
Tier 1 risk-based capital ratio9.6984%5,853
Total risk-based capital ratio10.9771%5,827
Memoranda:
Average total assets$27,663,0005,810
Average earning assets$25,152,2505,793
Average equity$1,750,0005,934
Average total loans$13,560,2505,759
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5006%4,858
Cost of funding earning assets0.3592%3,463
Net interest margin3.1414%4,713
Noninterest income to average assets3.2923%180
Noninterest expense to average assets11.3337%63
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets-5.1062%6,051
Return on assets (ROA)-5.1062%6,051
Pretax return on assets-5.1062%6,048
Return on Equity (ROE)-74.0039%6,051
Retained earnings to average equity (ytd only)-74.0039%6,047
Net charge-offs to loans0.4273%528
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)-23.0645%3,665
Efficiency ratio181.9954%22
Assets per employee ($millions)2.2477%5,881
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans5.0836%43
Loan loss allowance to noncurrent loans275.1131%1,750
Noncurrent assets plus other real estate owned to assets0.8194%2,544
Noncurrent loans to loans1.8478%1,099
Net loans and leases to total assets42.0881%5,336
Net loans and leases to deposits44.9335%5,532
Net loans and leases to core deposits46.8607%5,535
Total domestic deposits to total assets93.6675%21
Equity capital to assets5.8246%6,016
Core capital (leverage) ratio5.6525%6,013
Tier 1 risk-based capital ratio15.2480%2,963
Total risk-based capital ratio16.5680%2,869
Memoranda:
Average total assets$28,005,0005,880
Average earning assets$26,166,6705,855
Average equity$1,932,3305,989
Average total loans$14,510,3305,803
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7054%4,301
Cost of funding earning assets0.3735%3,360
Net interest margin3.3318%4,104
Noninterest income to average assets4.0250%150
Noninterest expense to average assets11.2897%63
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets-4.1372%6,103
Return on assets (ROA)-4.1372%6,103
Pretax return on assets-4.1372%6,098
Return on Equity (ROE)-55.8448%6,105
Retained earnings to average equity (ytd only)-55.8448%6,083
Net charge-offs to loans-0.0760%5,530
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio157.8431%40
Assets per employee ($millions)2.2305%5,943
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans4.7157%60
Loan loss allowance to noncurrent loans697.8261%783
Noncurrent assets plus other real estate owned to assets0.3173%4,297
Noncurrent loans to loans0.6758%3,151
Net loans and leases to total assets44.7372%5,209
Net loans and leases to deposits48.1443%5,414
Net loans and leases to core deposits50.7631%5,415
Total domestic deposits to total assets92.9232%48
Equity capital to assets6.7389%6,025
Core capital (leverage) ratio6.8922%6,006
Tier 1 risk-based capital ratio17.9381%1,998
Total risk-based capital ratio19.2417%1,956
Memoranda:
Average total assets$28,521,5005,929
Average earning assets$26,772,0005,906
Average equity$2,113,0006,032
Average total loans$15,785,5005,826
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6464%1,223
Cost of funding earning assets0.3244%3,970
Net interest margin4.3219%924
Noninterest income to average assets2.3158%291
Noninterest expense to average assets9.2851%82
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets-3.0031%6,161
Return on assets (ROA)-3.0031%6,162
Pretax return on assets-3.0031%6,160
Return on Equity (ROE)-39.6025%6,166
Retained earnings to average equity (ytd only)-39.6025%6,160
Net charge-offs to loans-0.2486%5,989
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio147.8057%41
Assets per employee ($millions)1.8698%6,070
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans3.5585%124
Loan loss allowance to noncurrent loans80.2764%4,141
Noncurrent assets plus other real estate owned to assets2.8381%488
Noncurrent loans to loans4.4328%247
Net loans and leases to total assets61.7464%3,593
Net loans and leases to deposits67.3773%4,185
Net loans and leases to core deposits71.2206%4,199
Total domestic deposits to total assets91.6426%153
Equity capital to assets8.1007%5,811
Core capital (leverage) ratio8.0138%5,830
Tier 1 risk-based capital ratio18.3819%1,863
Total risk-based capital ratio19.6926%1,793
Memoranda:
Average total assets$27,205,0006,000
Average earning assets$24,965,8005,984
Average equity$2,063,0006,090
Average total loans$19,706,6005,729
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8196%904
Cost of funding earning assets0.3155%4,160
Net interest margin4.5041%643
Noninterest income to average assets2.3708%282
Noninterest expense to average assets8.8510%95
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets-2.3906%6,236
Return on assets (ROA)-2.3906%6,237
Pretax return on assets-2.3906%6,235
Return on Equity (ROE)-32.0935%6,244
Retained earnings to average equity (ytd only)-32.0935%6,233
Net charge-offs to loans0.9796%195
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)-3.2703%4,106
Efficiency ratio137.0031%56
Assets per employee ($millions)2.1762%6,094
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.2889%582
Loan loss allowance to noncurrent loans272.8395%1,738
Noncurrent assets plus other real estate owned to assets0.5726%3,572
Noncurrent loans to loans0.8389%2,871
Net loans and leases to total assets66.6961%2,896
Net loans and leases to deposits73.7733%3,567
Net loans and leases to core deposits77.9969%3,608
Total domestic deposits to total assets90.4068%420
Equity capital to assets9.2326%5,076
Core capital (leverage) ratio9.7029%4,032
Tier 1 risk-based capital ratio17.7676%2,099
Total risk-based capital ratio19.0411%2,058
Memoranda:
Average total assets$26,994,5006,085
Average earning assets$24,510,5006,072
Average equity$2,010,7506,181
Average total loans$20,144,0005,787
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7843%917
Cost of funding earning assets0.3047%4,348
Net interest margin4.4796%664
Noninterest income to average assets2.8160%232
Noninterest expense to average assets9.0956%92
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-2.1835%6,308
Return on assets (ROA)-2.1835%6,308
Pretax return on assets-2.1835%6,307
Return on Equity (ROE)-32.0384%6,319
Retained earnings to average equity (ytd only)-32.0384%6,304
Net charge-offs to loans2.0175%71
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)-1.4078%3,778
Efficiency ratio131.5904%71
Assets per employee ($millions)1.7620%6,244
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.9361%1,096
Loan loss allowance to noncurrent loans224.5614%2,052
Noncurrent assets plus other real estate owned to assets0.6470%3,480
Noncurrent loans to loans0.8622%2,973
Net loans and leases to total assets73.5906%1,729
Net loans and leases to deposits80.3122%2,743
Net loans and leases to core deposits85.1725%2,861
Total domestic deposits to total assets91.6307%167
Equity capital to assets8.1006%5,934
Core capital (leverage) ratio8.1511%5,829
Tier 1 risk-based capital ratio13.6098%4,155
Total risk-based capital ratio14.8736%4,073
Memoranda:
Average total assets$26,562,3306,161
Average earning assets$24,287,6706,141
Average equity$1,810,3306,277
Average total loans$20,421,6705,830
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7653%916
Cost of funding earning assets0.3111%4,318
Net interest margin4.4542%657
Noninterest income to average assets3.8755%164
Noninterest expense to average assets9.0580%94
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets-1.0966%6,329
Return on assets (ROA)-1.0966%6,332
Pretax return on assets-1.0966%6,322
Return on Equity (ROE)-17.7508%6,353
Retained earnings to average equity (ytd only)-17.7508%6,253
Net charge-offs to loans-0.1738%6,017
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.7736%166
Assets per employee ($millions)2.0077%6,274
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.9922%298
Loan loss allowance to noncurrent loans33.5011%5,462
Noncurrent assets plus other real estate owned to assets7.1877%123
Noncurrent loans to loans8.9315%77
Net loans and leases to total assets74.4061%1,441
Net loans and leases to deposits79.6816%2,593
Net loans and leases to core deposits85.4002%2,608
Total domestic deposits to total assets93.3793%49
Equity capital to assets6.1724%6,327
Core capital (leverage) ratio6.0882%6,325
Tier 1 risk-based capital ratio9.4219%6,281
Total risk-based capital ratio10.6981%6,259
Memoranda:
Average total assets$26,628,5006,224
Average earning assets$24,426,5006,205
Average equity$1,645,0006,362
Average total loans$20,715,5005,870
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4214%363
Cost of funding earning assets0.3346%4,442
Net interest margin5.0869%258
Noninterest income to average assets0.6288%2,687
Noninterest expense to average assets8.0717%107
Loan and lease loss provision to assets0.0883%2,701
Net operating income to assets-3.0732%6,479
Return on assets (ROA)-3.0732%6,479
Pretax return on assets-3.0732%6,477
Return on Equity (ROE)-44.6566%6,484
Retained earnings to average equity (ytd only)-44.6566%6,482
Net charge-offs to loans0.6649%577
Credit loss provision to net charge-offs17.9856%3,998
Earnings coverage of net charge-offs (x)-6.0791%4,896
Efficiency ratio158.6806%41
Assets per employee ($millions)2.4688%6,177
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.7555%394
Loan loss allowance to noncurrent loans32.4890%5,590
Noncurrent assets plus other real estate owned to assets7.0111%147
Noncurrent loans to loans8.4812%98
Net loans and leases to total assets76.6727%1,172
Net loans and leases to deposits86.0307%1,984
Net loans and leases to core deposits92.5504%2,033
Total domestic deposits to total assets89.1225%1,160
Equity capital to assets6.1826%6,400
Core capital (leverage) ratio6.1678%6,398
Tier 1 risk-based capital ratio9.7384%6,314
Total risk-based capital ratio11.0174%6,277
Memoranda:
Average total assets$28,308,8006,284
Average earning assets$24,809,0006,279
Average equity$1,948,2006,410
Average total loans$20,906,4005,924
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5691%289
Cost of funding earning assets0.3447%4,397
Net interest margin5.2244%196
Noninterest income to average assets0.5735%3,045
Noninterest expense to average assets7.9354%108
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets-2.8394%6,554
Return on assets (ROA)-2.8394%6,554
Pretax return on assets-2.8394%6,553
Return on Equity (ROE)-40.2868%6,561
Retained earnings to average equity (ytd only)-40.2868%6,558
Net charge-offs to loans0.0898%2,930
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)-43.4912%4,674
Efficiency ratio155.7182%45
Assets per employee ($millions)2.5502%6,192
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans3.2056%291
Loan loss allowance to noncurrent loans33.6750%5,628
Noncurrent assets plus other real estate owned to assets7.6180%144
Noncurrent loans to loans9.5192%85
Net loans and leases to total assets74.2728%1,477
Net loans and leases to deposits79.9501%2,696
Net loans and leases to core deposits92.1536%2,026
Total domestic deposits to total assets92.8989%82
Equity capital to assets6.8908%6,401
Core capital (leverage) ratio6.8979%6,392
Tier 1 risk-based capital ratio11.2018%5,911
Total risk-based capital ratio12.4870%5,842
Memoranda:
Average total assets$28,596,7506,350
Average earning assets$24,755,0006,355
Average equity$2,015,5006,473
Average total loans$20,780,0005,990
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6829%225
Cost of funding earning assets0.3603%4,316
Net interest margin5.3226%164
Noninterest income to average assets0.4865%3,582
Noninterest expense to average assets8.2145%106
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets-3.2107%6,631
Return on assets (ROA)-3.2107%6,631
Pretax return on assets-3.2107%6,629
Return on Equity (ROE)-45.2276%6,633
Retained earnings to average equity (ytd only)-45.2276%6,621
Net charge-offs to loans0.1948%1,861
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)-23.1000%4,340
Efficiency ratio164.1667%44
Assets per employee ($millions)2.7926%6,039
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans3.1499%322
Loan loss allowance to noncurrent loans61.3453%4,766
Noncurrent assets plus other real estate owned to assets4.3078%465
Noncurrent loans to loans5.1347%374
Net loans and leases to total assets75.3097%1,262
Net loans and leases to deposits81.5598%2,307
Net loans and leases to core deposits94.1448%1,761
Total domestic deposits to total assets92.3369%132
Equity capital to assets7.4483%6,361
Core capital (leverage) ratio7.4232%6,336
Tier 1 risk-based capital ratio11.7517%5,663
Total risk-based capital ratio13.0329%5,586
Memoranda:
Average total assets$28,778,3306,410
Average earning assets$24,424,3306,423
Average equity$2,043,0006,531
Average total loans$20,531,6706,055
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8146%182
Cost of funding earning assets0.3634%4,403
Net interest margin5.4512%136
Noninterest income to average assets0.3424%4,638
Noninterest expense to average assets7.5057%123
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets-2.6434%6,680
Return on assets (ROA)-2.6434%6,678
Pretax return on assets-2.6434%6,671
Return on Equity (ROE)-38.1329%6,677
Retained earnings to average equity (ytd only)-38.1329%6,646
Net charge-offs to loans0.5015%734
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)-7.7200%3,591
Efficiency ratio154.3662%53
Assets per employee ($millions)3.7069%4,507
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.4069%290
Loan loss allowance to noncurrent loans55.2482%5,008
Noncurrent assets plus other real estate owned to assets4.1443%554
Noncurrent loans to loans6.1666%291
Net loans and leases to total assets64.9165%2,740
Net loans and leases to deposits70.2822%3,563
Net loans and leases to core deposits80.3867%2,925
Total domestic deposits to total assets92.3655%184
Equity capital to assets7.3546%6,360
Core capital (leverage) ratio7.3647%6,380
Tier 1 risk-based capital ratio13.4054%4,764
Total risk-based capital ratio14.6943%4,665
Memoranda:
Average total assets$29,204,5006,468
Average earning assets$24,215,0006,492
Average equity$2,024,5006,598
Average total loans$19,940,0006,138
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9656%981
Cost of funding earning assets0.4450%4,161
Net interest margin4.5207%712
Noninterest income to average assets0.1842%5,987
Noninterest expense to average assets5.4601%251
Loan and lease loss provision to assets1.4426%96
Net operating income to assets-3.0114%6,762
Return on assets (ROA)-3.0114%6,760
Pretax return on assets-3.0114%6,760
Return on Equity (ROE)-43.2631%6,766
Retained earnings to average equity (ytd only)-43.2631%6,763
Net charge-offs to loans3.0689%81
Credit loss provision to net charge-offs67.4641%3,374
Earnings coverage of net charge-offs (x)-0.7337%5,235
Efficiency ratio140.3155%85
Assets per employee ($millions)3.5943%4,696
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans3.5288%283
Loan loss allowance to noncurrent loans54.9571%5,053
Noncurrent assets plus other real estate owned to assets4.4550%572
Noncurrent loans to loans6.4211%290
Net loans and leases to total assets66.9333%2,534
Net loans and leases to deposits71.6904%3,569
Net loans and leases to core deposits82.2233%2,872
Total domestic deposits to total assets93.3644%107
Equity capital to assets6.4965%6,571
Core capital (leverage) ratio6.5278%6,592
Tier 1 risk-based capital ratio11.7276%5,789
Total risk-based capital ratio13.0209%5,692
Memoranda:
Average total assets$29,321,6006,533
Average earning assets$24,045,2006,574
Average equity$2,041,0006,678
Average total loans$20,430,6006,180
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0908%781
Cost of funding earning assets0.4598%4,175
Net interest margin4.6311%584
Noninterest income to average assets0.1946%6,007
Noninterest expense to average assets5.2222%297
Loan and lease loss provision to assets1.9142%45
Net operating income to assets-3.1586%6,855
Return on assets (ROA)-3.1586%6,854
Pretax return on assets-3.1586%6,847
Return on Equity (ROE)-44.6511%6,853
Retained earnings to average equity (ytd only)-44.6511%6,850
Net charge-offs to loans3.7111%51
Credit loss provision to net charge-offs73.9510%2,981
Earnings coverage of net charge-offs (x)-0.4808%4,951
Efficiency ratio131.2856%123
Assets per employee ($millions)4.1713%3,483
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.9682%245
Loan loss allowance to noncurrent loans57.1967%4,928
Noncurrent assets plus other real estate owned to assets4.5447%659
Noncurrent loans to loans6.9378%302
Net loans and leases to total assets62.9063%3,184
Net loans and leases to deposits67.0145%4,176
Net loans and leases to core deposits72.1106%4,075
Total domestic deposits to total assets93.8697%77
Equity capital to assets5.9762%6,698
Core capital (leverage) ratio5.9762%6,721
Tier 1 risk-based capital ratio10.8682%6,338
Total risk-based capital ratio12.1637%6,281
Memoranda:
Average total assets$29,463,5006,599
Average earning assets$24,068,7506,650
Average equity$2,084,2506,754
Average total loans$20,550,7506,237
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1363%715
Cost of funding earning assets0.4766%4,134
Net interest margin4.6596%547
Noninterest income to average assets0.1963%6,032
Noninterest expense to average assets5.1232%324
Loan and lease loss provision to assets2.8628%25
Net operating income to assets-3.9524%6,918
Return on assets (ROA)-3.9524%6,917
Pretax return on assets-3.9524%6,913
Return on Equity (ROE)-53.1554%6,909
Retained earnings to average equity (ytd only)-53.1554%6,905
Net charge-offs to loans5.3174%29
Credit loss provision to net charge-offs75.6708%2,708
Earnings coverage of net charge-offs (x)-0.2880%4,634
Efficiency ratio127.0134%148
Assets per employee ($millions)4.8162%2,347
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.7981%298
Loan loss allowance to noncurrent loans63.1751%4,660
Noncurrent assets plus other real estate owned to assets4.2288%801
Noncurrent loans to loans6.0120%468
Net loans and leases to total assets67.6679%2,311
Net loans and leases to deposits72.3525%3,408
Net loans and leases to core deposits76.8572%3,449
Total domestic deposits to total assets93.5253%85
Equity capital to assets6.3813%6,707
Core capital (leverage) ratio6.3813%6,713
Tier 1 risk-based capital ratio10.3532%6,556
Total risk-based capital ratio11.6389%6,509
Memoranda:
Average total assets$29,551,6706,649
Average earning assets$24,336,6706,693
Average equity$2,197,3306,791
Average total loans$21,025,3306,254
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2477%553
Cost of funding earning assets0.4829%4,262
Net interest margin4.7648%427
Noninterest income to average assets0.1874%6,133
Noninterest expense to average assets5.0202%365
Loan and lease loss provision to assets1.6466%82
Net operating income to assets-2.5168%6,945
Return on assets (ROA)-2.5168%6,946
Pretax return on assets-2.5168%6,939
Return on Equity (ROE)-31.6765%6,935
Retained earnings to average equity (ytd only)-31.6765%6,905
Net charge-offs to loans0.2246%2,093
Credit loss provision to net charge-offs1,025.0000%308
Earnings coverage of net charge-offs (x)-5.4167%4,073
Efficiency ratio120.9677%211
Assets per employee ($millions)5.9850%1,263
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans4.7367%160
Loan loss allowance to noncurrent loans252.8536%1,554
Noncurrent assets plus other real estate owned to assets1.3467%3,263
Noncurrent loans to loans1.8733%2,769
Net loans and leases to total assets68.4845%1,928
Net loans and leases to deposits74.0899%2,909
Net loans and leases to core deposits77.8352%3,094
Total domestic deposits to total assets92.4344%182
Equity capital to assets7.4854%6,599
Core capital (leverage) ratio7.4854%6,479
Tier 1 risk-based capital ratio11.6267%6,118
Total risk-based capital ratio12.9243%6,075
Memoranda:
Average total assets$29,879,0006,709
Average earning assets$24,849,0006,747
Average equity$2,374,0006,838
Average total loans$21,375,0006,295
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7651%388
Cost of funding earning assets0.7131%3,380
Net interest margin5.0520%352
Noninterest income to average assets-0.3072%6,997
Noninterest expense to average assets6.0225%220
Loan and lease loss provision to assets1.0784%356
Net operating income to assets-3.0325%7,009
Return on assets (ROA)-3.0325%7,013
Pretax return on assets-3.0325%7,015
Return on Equity (ROE)-48.8215%7,017
Retained earnings to average equity (ytd only)-48.8215%7,011
Net charge-offs to loans1.5785%543
Credit loss provision to net charge-offs87.0712%3,588
Earnings coverage of net charge-offs (x)-1.5778%5,813
Efficiency ratio148.0321%94
Assets per employee ($millions)5.9666%1,298
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans4.2756%231
Loan loss allowance to noncurrent loans158.7413%2,258
Noncurrent assets plus other real estate owned to assets1.9173%2,548
Noncurrent loans to loans2.6934%1,962
Net loans and leases to total assets68.1427%2,160
Net loans and leases to deposits74.5553%3,011
Net loans and leases to core deposits78.3754%3,211
Total domestic deposits to total assets91.3988%367
Equity capital to assets8.4068%6,117
Core capital (leverage) ratio8.4068%5,749
Tier 1 risk-based capital ratio13.0843%5,047
Total risk-based capital ratio14.3781%4,966
Memoranda:
Average total assets$30,601,8006,742
Average earning assets$26,504,2006,753
Average equity$1,900,8006,966
Average total loans$24,009,8006,239
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9119%325
Cost of funding earning assets0.7502%3,348
Net interest margin5.1618%307
Noninterest income to average assets-0.4719%7,126
Noninterest expense to average assets5.6243%249
Loan and lease loss provision to assets0.7923%599
Net operating income to assets-2.3900%7,082
Return on assets (ROA)-2.3900%7,084
Pretax return on assets-2.3900%7,070
Return on Equity (ROE)-42.0800%7,103
Retained earnings to average equity (ytd only)-42.0800%7,096
Net charge-offs to loans1.3170%715
Credit loss provision to net charge-offs75.0000%3,770
Earnings coverage of net charge-offs (x)-1.5123%5,620
Efficiency ratio139.6774%120
Assets per employee ($millions)6.0390%1,225
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.9914%314
Loan loss allowance to noncurrent loans154.4828%2,231
Noncurrent assets plus other real estate owned to assets1.9208%2,755
Noncurrent loans to loans2.5837%2,212
Net loans and leases to total assets71.3761%1,668
Net loans and leases to deposits75.2698%3,100
Net loans and leases to core deposits78.9248%3,337
Total domestic deposits to total assets94.8270%44
Equity capital to assets5.0373%7,047
Core capital (leverage) ratio5.0373%7,024
Tier 1 risk-based capital ratio7.3667%7,027
Total risk-based capital ratio8.6550%7,026
Memoranda:
Average total assets$30,794,0006,822
Average earning assets$26,837,7506,830
Average equity$1,749,0007,085
Average total loans$24,703,0006,298
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7889%413
Cost of funding earning assets0.7608%3,512
Net interest margin5.0282%383
Noninterest income to average assets-0.8260%7,212
Noninterest expense to average assets5.8141%237
Loan and lease loss provision to assets0.6517%871
Net operating income to assets-2.8135%7,145
Return on assets (ROA)-2.8135%7,152
Pretax return on assets-2.8135%7,140
Return on Equity (ROE)-47.7808%7,162
Retained earnings to average equity (ytd only)-47.7808%7,157
Net charge-offs to loans1.9171%452
Credit loss provision to net charge-offs41.3934%4,234
Earnings coverage of net charge-offs (x)-1.3730%5,343
Efficiency ratio159.1873%86
Assets per employee ($millions)6.1226%1,155
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.2323%625
Loan loss allowance to noncurrent loans175.0538%1,936
Noncurrent assets plus other real estate owned to assets1.5190%3,427
Noncurrent loans to loans1.8465%3,153
Net loans and leases to total assets79.6034%551
Net loans and leases to deposits84.1936%1,830
Net loans and leases to core deposits86.4363%2,371
Total domestic deposits to total assets94.5481%67
Equity capital to assets5.3474%7,078
Core capital (leverage) ratio5.3474%7,044
Tier 1 risk-based capital ratio7.2392%7,081
Total risk-based capital ratio8.5172%7,081
Memoranda:
Average total assets$30,993,6706,865
Average earning assets$27,604,3306,863
Average equity$1,825,0007,120
Average total loans$25,454,6706,290
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8287%408
Cost of funding earning assets0.7791%3,633
Net interest margin5.0496%365
Noninterest income to average assets-2.7193%7,304
Noninterest expense to average assets5.7209%233
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets-3.9507%7,255
Return on assets (ROA)-3.9507%7,256
Pretax return on assets-3.9507%7,249
Return on Equity (ROE)-64.2001%7,246
Retained earnings to average equity (ytd only)-64.2001%7,238
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio323.1884%16
Assets per employee ($millions)5.2247%1,965
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.7874%434
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6220%5,340
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets77.5520%632
Net loans and leases to deposits82.2847%1,897
Net loans and leases to core deposits82.2847%2,790
Total domestic deposits to total assets94.2484%84
Equity capital to assets5.6303%7,098
Core capital (leverage) ratio5.6303%7,074
Tier 1 risk-based capital ratio7.7192%7,098
Total risk-based capital ratio9.0050%7,099
Memoranda:
Average total assets$31,184,0006,920
Average earning assets$27,725,0006,914
Average equity$1,919,0007,159
Average total loans$25,590,5006,328
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0343%409
Cost of funding earning assets1.0007%3,375
Net interest margin5.0336%389
Noninterest income to average assets0.0029%6,974
Noninterest expense to average assets6.4808%171
Loan and lease loss provision to assets0.3036%3,239
Net operating income to assets-2.3636%7,092
Return on assets (ROA)-2.3636%7,102
Pretax return on assets-2.3636%7,095
Return on Equity (ROE)-33.1624%7,114
Retained earnings to average equity (ytd only)-33.1624%7,108
Net charge-offs to loans1.7817%833
Credit loss provision to net charge-offs20.7661%5,909
Earnings coverage of net charge-offs (x)-1.4093%6,244
Efficiency ratio146.6000%154
Assets per employee ($millions)4.4314%3,017
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.6931%468
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.9426%1,458
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets80.4513%450
Net loans and leases to deposits88.5090%1,320
Net loans and leases to core deposits88.5090%2,320
Total domestic deposits to total assets90.8962%542
Equity capital to assets6.6828%7,025
Core capital (leverage) ratio6.4670%6,984
Tier 1 risk-based capital ratio8.7163%7,059
Total risk-based capital ratio9.9987%7,057
Memoranda:
Average total assets$33,930,8006,863
Average earning assets$29,780,0006,876
Average equity$2,418,4007,138
Average total loans$27,838,2006,257
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0665%410
Cost of funding earning assets1.0522%3,305
Net interest margin5.0143%400
Noninterest income to average assets0.2270%5,992
Noninterest expense to average assets6.8091%147
Loan and lease loss provision to assets0.3924%2,504
Net operating income to assets-2.5928%7,223
Return on assets (ROA)-2.5928%7,235
Pretax return on assets-2.5928%7,227
Return on Equity (ROE)-35.8774%7,231
Retained earnings to average equity (ytd only)-35.8774%7,224
Net charge-offs to loans2.4435%452
Credit loss provision to net charge-offs19.6532%5,562
Earnings coverage of net charge-offs (x)-1.1021%5,944
Efficiency ratio147.4958%150
Assets per employee ($millions)4.6466%2,698
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.6774%497
Loan loss allowance to noncurrent loans448.5577%713
Noncurrent assets plus other real estate owned to assets4.6148%1,291
Noncurrent loans to loans0.8198%5,228
Net loans and leases to total assets75.1337%1,122
Net loans and leases to deposits82.6921%2,226
Net loans and leases to core deposits84.1268%3,049
Total domestic deposits to total assets90.8596%490
Equity capital to assets6.7669%7,097
Core capital (leverage) ratio6.7669%7,018
Tier 1 risk-based capital ratio8.9741%7,118
Total risk-based capital ratio10.2544%7,108
Memoranda:
Average total assets$34,658,5006,902
Average earning assets$30,285,7506,926
Average equity$2,504,7507,186
Average total loans$28,319,5006,288
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9252%550
Cost of funding earning assets1.0832%3,367
Net interest margin4.8420%566
Noninterest income to average assets0.2149%6,131
Noninterest expense to average assets6.6442%162
Loan and lease loss provision to assets0.5711%1,695
Net operating income to assets-2.7538%7,286
Return on assets (ROA)-2.7538%7,292
Pretax return on assets-2.7538%7,279
Return on Equity (ROE)-37.3753%7,296
Retained earnings to average equity (ytd only)-37.3753%7,290
Net charge-offs to loans0.4437%2,796
Credit loss provision to net charge-offs155.3846%1,957
Earnings coverage of net charge-offs (x)-5.9385%5,801
Efficiency ratio148.6692%163
Assets per employee ($millions)4.0666%3,613
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.9305%194
Loan loss allowance to noncurrent loans120.5217%2,432
Noncurrent assets plus other real estate owned to assets4.2910%1,479
Noncurrent loans to loans4.0909%1,683
Net loans and leases to total assets82.1474%358
Net loans and leases to deposits88.8110%1,394
Net loans and leases to core deposits95.9639%1,684
Total domestic deposits to total assets92.4968%160
Equity capital to assets7.3402%7,018
Core capital (leverage) ratio7.3402%6,847
Tier 1 risk-based capital ratio9.9695%6,986
Total risk-based capital ratio11.2762%6,964
Memoranda:
Average total assets$35,369,3306,941
Average earning assets$31,020,0006,966
Average equity$2,606,0007,224
Average total loans$29,302,3306,317
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0093%460
Cost of funding earning assets1.1891%2,888
Net interest margin4.8202%549
Noninterest income to average assets0.2283%6,089
Noninterest expense to average assets6.7197%161
Loan and lease loss provision to assets1.0873%673
Net operating income to assets-3.4794%7,425
Return on assets (ROA)-3.4794%7,429
Pretax return on assets-3.4794%7,413
Return on Equity (ROE)-47.1455%7,401
Retained earnings to average equity (ytd only)-47.1455%7,388
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio155.0251%141
Assets per employee ($millions)4.4510%2,976
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans5.0112%189
Loan loss allowance to noncurrent loans155.4126%1,889
Noncurrent assets plus other real estate owned to assets3.3111%2,061
Noncurrent loans to loans3.2245%2,329
Net loans and leases to total assets77.1877%851
Net loans and leases to deposits83.2778%2,140
Net loans and leases to core deposits89.3502%2,433
Total domestic deposits to total assets92.6870%162
Equity capital to assets7.1754%7,026
Core capital (leverage) ratio7.1754%6,929
Tier 1 risk-based capital ratio9.4644%7,150
Total risk-based capital ratio10.7646%7,145
Memoranda:
Average total assets$36,787,5006,938
Average earning assets$31,285,0007,006
Average equity$2,715,0007,240
Average total loans$29,898,0006,338
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1091%687
Cost of funding earning assets1.2037%4,543
Net interest margin4.9054%543
Noninterest income to average assets0.1183%6,814
Noninterest expense to average assets4.9539%429
Loan and lease loss provision to assets1.8468%742
Net operating income to assets-2.2171%7,118
Return on assets (ROA)-2.2171%7,132
Pretax return on assets-2.2171%7,093
Return on Equity (ROE)-26.2245%7,161
Retained earnings to average equity (ytd only)-26.2245%7,144
Net charge-offs to loans0.5279%3,513
Credit loss provision to net charge-offs415.0289%577
Earnings coverage of net charge-offs (x)-0.8324%6,561
Efficiency ratio107.2391%596
Assets per employee ($millions)4.7459%2,497
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans4.3745%291
Loan loss allowance to noncurrent loans128.2051%2,289
Noncurrent assets plus other real estate owned to assets3.4214%2,043
Noncurrent loans to loans3.4121%2,225
Net loans and leases to total assets77.7280%985
Net loans and leases to deposits84.1897%2,422
Net loans and leases to core deposits92.8778%2,399
Total domestic deposits to total assets92.3249%216
Equity capital to assets7.5724%6,839
Core capital (leverage) ratio7.5724%6,640
Tier 1 risk-based capital ratio10.0693%6,948
Total risk-based capital ratio11.3617%6,909
Memoranda:
Average total assets$38,878,8006,906
Average earning assets$35,389,6006,903
Average equity$3,287,0007,196
Average total loans$32,774,0006,270
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0502%843
Cost of funding earning assets1.2189%4,750
Net interest margin4.8313%632
Noninterest income to average assets0.2011%6,459
Noninterest expense to average assets5.0459%370
Loan and lease loss provision to assets2.4479%442
Net operating income to assets-2.8196%7,413
Return on assets (ROA)-2.8196%7,430
Pretax return on assets-2.8196%7,380
Return on Equity (ROE)-32.5263%7,422
Retained earnings to average equity (ytd only)-32.5263%7,417
Net charge-offs to loans0.6937%2,681
Credit loss provision to net charge-offs415.0289%723
Earnings coverage of net charge-offs (x)-0.6301%6,369
Efficiency ratio107.0751%578
Assets per employee ($millions)4.6213%2,719
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.3847%269
Loan loss allowance to noncurrent loans140.1869%2,014
Noncurrent assets plus other real estate owned to assets4.6714%1,421
Noncurrent loans to loans3.1277%2,551
Net loans and leases to total assets79.6294%799
Net loans and leases to deposits86.5929%2,223
Net loans and leases to core deposits95.8332%2,281
Total domestic deposits to total assets91.9583%199
Equity capital to assets7.8712%6,886
Core capital (leverage) ratio7.8712%6,496
Tier 1 risk-based capital ratio10.1151%7,003
Total risk-based capital ratio11.4081%6,960
Memoranda:
Average total assets$39,106,7506,980
Average earning assets$36,207,2506,950
Average equity$3,390,0007,257
Average total loans$33,252,2506,333
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9418%1,075
Cost of funding earning assets1.2033%5,117
Net interest margin4.7385%749
Noninterest income to average assets0.1858%6,574
Noninterest expense to average assets4.6862%482
Loan and lease loss provision to assets1.3310%1,020
Net operating income to assets-1.3612%7,103
Return on assets (ROA)-1.3612%7,117
Pretax return on assets-1.3612%7,036
Return on Equity (ROE)-15.2676%7,153
Retained earnings to average equity (ytd only)-15.2676%7,111
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.7843%808
Assets per employee ($millions)4.7313%2,534
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.2326%681
Loan loss allowance to noncurrent loans74.0484%3,649
Noncurrent assets plus other real estate owned to assets5.3606%1,164
Noncurrent loans to loans4.3656%1,688
Net loans and leases to total assets84.6235%309
Net loans and leases to deposits93.3248%1,364
Net loans and leases to core deposits105.9929%1,449
Total domestic deposits to total assets90.6764%612
Equity capital to assets9.1572%5,204
Core capital (leverage) ratio9.1572%4,365
Tier 1 risk-based capital ratio11.5253%5,749
Total risk-based capital ratio12.8022%5,689
Memoranda:
Average total assets$39,819,0007,004
Average earning assets$37,564,6706,945
Average equity$3,550,0007,251
Average total loans$34,073,3306,330
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5892%2,197
Cost of funding earning assets1.2079%5,360
Net interest margin4.3813%1,442
Noninterest income to average assets0.1568%6,846
Noninterest expense to average assets4.5976%516
Loan and lease loss provision to assets2.5978%400
Net operating income to assets-2.8429%7,619
Return on assets (ROA)-2.8429%7,620
Pretax return on assets-2.8429%7,579
Return on Equity (ROE)-32.2940%7,598
Retained earnings to average equity (ytd only)-32.2940%7,576
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.7297%705
Assets per employee ($millions)4.9698%2,271
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.1643%720
Loan loss allowance to noncurrent loans77.4240%3,517
Noncurrent assets plus other real estate owned to assets4.9449%1,314
Noncurrent loans to loans4.0869%1,900
Net loans and leases to total assets82.3608%548
Net loans and leases to deposits90.3111%1,859
Net loans and leases to core deposits101.6200%1,960
Total domestic deposits to total assets91.1967%464
Equity capital to assets8.6700%5,773
Core capital (leverage) ratio8.6700%5,073
Tier 1 risk-based capital ratio10.9700%6,188
Total risk-based capital ratio12.2462%6,128
Memoranda:
Average total assets$40,803,5007,059
Average earning assets$39,075,5006,968
Average equity$3,592,0007,315
Average total loans$34,560,0006,394
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3749%4,813
Cost of funding earning assets2.0937%2,495
Net interest margin3.2812%5,815
Noninterest income to average assets0.2509%6,311
Noninterest expense to average assets4.2979%991
Loan and lease loss provision to assets3.6533%411
Net operating income to assets-6.3766%7,854
Return on assets (ROA)-6.3766%7,848
Pretax return on assets-4.6462%7,660
Return on Equity (ROE)-55.2681%7,727
Retained earnings to average equity (ytd only)-55.2681%7,722
Net charge-offs to loans4.0887%394
Credit loss provision to net charge-offs112.0027%4,895
Earnings coverage of net charge-offs (x)-0.3044%6,553
Efficiency ratio129.2539%485
Assets per employee ($millions)5.2311%1,914
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.2801%1,516
Loan loss allowance to noncurrent loans125.0000%2,260
Noncurrent assets plus other real estate owned to assets2.9344%2,387
Noncurrent loans to loans1.8241%3,891
Net loans and leases to total assets82.4392%622
Net loans and leases to deposits90.6535%2,116
Net loans and leases to core deposits108.1471%3,090
Total domestic deposits to total assets90.9389%555
Equity capital to assets8.9297%5,250
Core capital (leverage) ratio8.9297%4,541
Tier 1 risk-based capital ratio11.2836%5,627
Total risk-based capital ratio12.5487%5,565
Memoranda:
Average total assets$46,231,6006,863
Average earning assets$43,033,2006,814
Average equity$5,334,0006,828
Average total loans$36,882,0006,251
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2475%5,699
Cost of funding earning assets2.2594%2,154
Net interest margin2.9881%6,634
Noninterest income to average assets0.2789%6,241
Noninterest expense to average assets4.3272%878
Loan and lease loss provision to assets4.1385%279
Net operating income to assets-7.6797%8,001
Return on assets (ROA)-7.6797%8,000
Pretax return on assets-5.4259%7,859
Return on Equity (ROE)-63.3948%7,908
Retained earnings to average equity (ytd only)-63.3948%7,906
Net charge-offs to loans4.2671%311
Credit loss provision to net charge-offs123.1350%4,100
Earnings coverage of net charge-offs (x)-0.3831%6,415
Efficiency ratio141.5199%367
Assets per employee ($millions)4.9781%2,177
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.4388%1,126
Loan loss allowance to noncurrent loans107.0155%2,611
Noncurrent assets plus other real estate owned to assets3.1806%2,133
Noncurrent loans to loans2.2789%3,289
Net loans and leases to total assets80.3585%1,114
Net loans and leases to deposits88.2643%2,910
Net loans and leases to core deposits104.0700%3,924
Total domestic deposits to total assets91.0430%402
Equity capital to assets8.8365%5,729
Core capital (leverage) ratio8.8365%4,915
Tier 1 risk-based capital ratio10.9395%6,002
Total risk-based capital ratio12.2050%5,956
Memoranda:
Average total assets$47,327,2506,863
Average earning assets$43,727,5006,829
Average equity$5,733,2506,764
Average total loans$37,276,2506,276
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0249%6,688
Cost of funding earning assets2.4784%1,690
Net interest margin2.5466%7,418
Noninterest income to average assets0.2989%6,123
Noninterest expense to average assets4.2600%1,002
Loan and lease loss provision to assets4.1977%283
Net operating income to assets-3.6165%7,779
Return on assets (ROA)-3.6165%7,779
Pretax return on assets-5.8337%7,937
Return on Equity (ROE)-27.5429%7,676
Retained earnings to average equity (ytd only)-27.5429%7,649
Net charge-offs to loans4.4652%293
Credit loss provision to net charge-offs121.0778%3,830
Earnings coverage of net charge-offs (x)-0.4719%6,061
Efficiency ratio161.3924%320
Assets per employee ($millions)4.5485%2,697
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.0534%1,473
Loan loss allowance to noncurrent loans59.4796%4,487
Noncurrent assets plus other real estate owned to assets3.9374%1,522
Noncurrent loans to loans3.4523%2,036
Net loans and leases to total assets76.2697%2,120
Net loans and leases to deposits86.5483%3,454
Net loans and leases to core deposits109.8920%3,386
Total domestic deposits to total assets88.1238%1,703
Equity capital to assets11.6203%2,453
Core capital (leverage) ratio9.1994%4,310
Tier 1 risk-based capital ratio11.8978%5,003
Total risk-based capital ratio13.1593%4,912
Memoranda:
Average total assets$48,168,6706,898
Average earning assets$43,980,6706,883
Average equity$6,324,6706,603
Average total loans$37,400,6706,325
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7913%7,383
Cost of funding earning assets2.5170%1,855
Net interest margin2.2743%7,741
Noninterest income to average assets0.3557%5,600
Noninterest expense to average assets4.4372%757
Loan and lease loss provision to assets0.9230%1,406
Net operating income to assets-1.7783%7,594
Return on assets (ROA)-1.7783%7,598
Pretax return on assets-2.8622%7,730
Return on Equity (ROE)-12.7660%7,510
Retained earnings to average equity (ytd only)-12.7660%7,308
Net charge-offs to loans2.2610%641
Credit loss provision to net charge-offs52.6570%4,631
Earnings coverage of net charge-offs (x)-1.1063%5,384
Efficiency ratio176.6102%254
Assets per employee ($millions)4.7790%2,323
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3904%3,556
Loan loss allowance to noncurrent loans31.0142%6,479
Noncurrent assets plus other real estate owned to assets3.2262%1,711
Noncurrent loans to loans4.4831%1,283
Net loans and leases to total assets70.9639%3,478
Net loans and leases to deposits81.1472%4,430
Net loans and leases to core deposits100.3146%4,509
Total domestic deposits to total assets87.4508%1,991
Equity capital to assets12.3171%2,071
Core capital (leverage) ratio10.7415%2,706
Tier 1 risk-based capital ratio15.3308%2,924
Total risk-based capital ratio16.5828%2,863
Memoranda:
Average total assets$47,236,5006,970
Average earning assets$44,497,0006,902
Average equity$6,580,0006,554
Average total loans$36,621,0006,406
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1604%4,721
Cost of funding earning assets2.4874%4,272
Net interest margin3.6730%4,591
Noninterest income to average assets0.0422%7,926
Noninterest expense to average assets6.4796%335
Loan and lease loss provision to assets1.9105%652
Net operating income to assets-3.0729%7,842
Return on assets (ROA)-3.0729%7,812
Pretax return on assets-4.9489%8,019
Return on Equity (ROE)-11.2900%7,370
Retained earnings to average equity (ytd only)-11.2900%7,183
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio187.2910%224
Assets per employee ($millions)3.4920%4,688
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.7622%1,731
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets83.0159%1,044
Net loans and leases to deposits99.1337%1,970
Net loans and leases to core deposits112.5902%3,499
Total domestic deposits to total assets83.7414%3,465
Equity capital to assets15.9531%944
Core capital (leverage) ratio14.3173%1,182
Tier 1 risk-based capital ratio17.2865%2,236
Total risk-based capital ratio18.5436%2,185
Memoranda:
Average total assets$26,066,6007,803
Average earning assets$24,121,8007,776
Average equity$7,094,8006,425
Average total loans$21,687,8007,214