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Horizon Financial Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6156%1,521
Cost of funding earning assets0.6306%1,842
Net interest margin3.9850%1,774
Noninterest income to average assets0.2063%4,790
Noninterest expense to average assets2.4790%3,713
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1014%2,412
Return on assets (ROA)1.0965%2,449
Pretax return on assets1.3353%2,231
Return on Equity (ROE)8.8324%2,992
Retained earnings to average equity (ytd only)-8.9749%5,340
Net charge-offs to loans0.0079%2,453
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)227.5000%293
Efficiency ratio64.8920%3,339
Assets per employee ($millions)4.0335%3,921
Cash dividends to net income (ytd only)*201.6129%185
Condition Ratios (%)
Loss allowance to loans1.4704%1,581
Loan loss allowance to noncurrent loans70,700.0000%13
Noncurrent assets plus other real estate owned to assets0.0015%5,141
Noncurrent loans to loans0.0021%5,019
Net loans and leases to total assets71.1857%2,304
Net loans and leases to deposits81.4012%2,639
Net loans and leases to core deposits84.5116%2,929
Total domestic deposits to total assets87.4504%1,928
Equity capital to assets12.4812%1,494
Core capital (leverage) ratio12.3838%1,438
Tier 1 risk-based capital ratio18.7852%1,608
Total risk-based capital ratio20.0393%1,568
Memoranda:
Average total assets$135,702,5003,662
Average earning assets$123,061,5003,695
Average equity$16,847,0003,492
Average total loans$101,882,0003,329
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6096%1,400
Cost of funding earning assets0.5655%1,852
Net interest margin4.0441%1,606
Noninterest income to average assets0.1952%4,974
Noninterest expense to average assets2.5581%3,583
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.8576%2,921
Return on assets (ROA)0.8581%2,943
Pretax return on assets1.3199%2,282
Return on Equity (ROE)7.0244%3,266
Retained earnings to average equity (ytd only)7.0244%1,065
Net charge-offs to loans0.0057%3,877
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)298.5000%292
Efficiency ratio65.9764%3,274
Assets per employee ($millions)4.0677%3,860
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.3160%2,136
Loan loss allowance to noncurrent loans23,600.0000%45
Noncurrent assets plus other real estate owned to assets0.0043%5,175
Noncurrent loans to loans0.0056%5,034
Net loans and leases to total assets76.7767%1,468
Net loans and leases to deposits87.6792%2,052
Net loans and leases to core deposits96.4231%1,992
Total domestic deposits to total assets87.5655%1,725
Equity capital to assets12.3506%1,608
Core capital (leverage) ratio12.1125%1,549
Tier 1 risk-based capital ratio17.1835%2,029
Total risk-based capital ratio18.4360%1,989
Memoranda:
Average total assets$135,763,4003,669
Average earning assets$123,611,8003,692
Average equity$16,585,0003,525
Average total loans$104,369,0003,276
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5687%1,453
Cost of funding earning assets0.5446%1,934
Net interest margin4.0241%1,619
Noninterest income to average assets0.1806%5,113
Noninterest expense to average assets2.3572%4,128
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.0827%2,162
Return on assets (ROA)1.0834%2,218
Pretax return on assets1.4919%1,799
Return on Equity (ROE)8.8935%2,670
Retained earnings to average equity (ytd only)8.8935%882
Net charge-offs to loans0.0116%3,319
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)167.8850%502
Efficiency ratio61.2564%4,004
Assets per employee ($millions)4.3734%3,350
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2772%2,477
Loan loss allowance to noncurrent loans28,260.0000%37
Noncurrent assets plus other real estate owned to assets0.0036%5,252
Noncurrent loans to loans0.0045%5,129
Net loans and leases to total assets78.0406%1,263
Net loans and leases to deposits92.5615%1,486
Net loans and leases to core deposits101.3370%1,598
Total domestic deposits to total assets84.3121%2,991
Equity capital to assets12.1973%1,836
Core capital (leverage) ratio12.3524%1,484
Tier 1 risk-based capital ratio16.5214%2,320
Total risk-based capital ratio17.7729%2,272
Memoranda:
Average total assets$135,129,0003,713
Average earning assets$123,153,7503,726
Average equity$16,461,0003,574
Average total loans$103,561,5003,321
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4448%1,683
Cost of funding earning assets0.4971%2,179
Net interest margin3.9476%1,786
Noninterest income to average assets0.1678%5,220
Noninterest expense to average assets2.3262%4,272
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0459%2,224
Return on assets (ROA)1.0470%2,261
Pretax return on assets1.4469%1,835
Return on Equity (ROE)8.5988%2,722
Retained earnings to average equity (ytd only)8.5988%968
Net charge-offs to loans0.0079%3,174
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)241.2500%352
Efficiency ratio61.6759%4,053
Assets per employee ($millions)4.3141%3,409
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3486%2,181
Loan loss allowance to noncurrent loans402.8409%1,248
Noncurrent assets plus other real estate owned to assets0.2632%4,071
Noncurrent loans to loans0.3348%3,845
Net loans and leases to total assets77.5628%1,308
Net loans and leases to deposits94.6416%1,214
Net loans and leases to core deposits96.9358%1,894
Total domestic deposits to total assets81.9543%3,899
Equity capital to assets12.4572%1,643
Core capital (leverage) ratio12.8482%1,243
Tier 1 risk-based capital ratio16.5011%2,324
Total risk-based capital ratio17.7529%2,270
Memoranda:
Average total assets$133,522,3303,759
Average earning assets$121,896,0003,769
Average equity$16,258,0003,607
Average total loans$101,205,3303,375
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3678%1,762
Cost of funding earning assets0.4842%2,218
Net interest margin3.8836%1,837
Noninterest income to average assets0.1769%5,218
Noninterest expense to average assets2.2906%4,430
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.0044%2,284
Return on assets (ROA)1.0044%2,334
Pretax return on assets1.4451%1,713
Return on Equity (ROE)8.3453%2,751
Retained earnings to average equity (ytd only)8.3453%1,328
Net charge-offs to loans0.0161%2,473
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)120.5000%455
Efficiency ratio61.3162%4,263
Assets per employee ($millions)4.1163%3,814
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5305%1,580
Loan loss allowance to noncurrent loans164.8837%2,621
Noncurrent assets plus other real estate owned to assets0.6529%2,676
Noncurrent loans to loans0.9282%2,180
Net loans and leases to total assets69.2590%2,496
Net loans and leases to deposits79.0897%2,852
Net loans and leases to core deposits81.0818%3,190
Total domestic deposits to total assets87.5701%1,959
Equity capital to assets12.3319%1,643
Core capital (leverage) ratio12.0158%1,618
Tier 1 risk-based capital ratio15.9371%2,578
Total risk-based capital ratio17.1888%2,520
Memoranda:
Average total assets$133,414,5003,790
Average earning assets$122,258,5003,806
Average equity$16,057,0003,656
Average total loans$99,233,5003,431
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3847%1,869
Cost of funding earning assets0.4361%2,644
Net interest margin3.9486%1,795
Noninterest income to average assets0.1679%5,379
Noninterest expense to average assets2.5485%3,846
Loan and lease loss provision to assets0.0724%2,909
Net operating income to assets0.7885%3,358
Return on assets (ROA)0.7894%3,458
Pretax return on assets1.1780%2,767
Return on Equity (ROE)6.8667%3,537
Retained earnings to average equity (ytd only)2.1462%4,309
Net charge-offs to loans-0.0048%4,801
Credit loss provision to net charge-offs-2,000.0000%5,381
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1113%3,414
Assets per employee ($millions)4.2221%3,586
Cash dividends to net income (ytd only)*68.7443%1,377
Condition Ratios (%)
Loss allowance to loans1.3438%2,324
Loan loss allowance to noncurrent loans10,157.1429%97
Noncurrent assets plus other real estate owned to assets0.0104%5,365
Noncurrent loans to loans0.0132%5,227
Net loans and leases to total assets77.2704%1,318
Net loans and leases to deposits87.6056%1,974
Net loans and leases to core deposits93.2391%2,188
Total domestic deposits to total assets88.2026%1,534
Equity capital to assets11.7463%1,973
Core capital (leverage) ratio11.8491%1,694
Tier 1 risk-based capital ratio13.9017%3,518
Total risk-based capital ratio15.1412%3,442
Memoranda:
Average total assets$138,198,4003,702
Average earning assets$127,031,4003,703
Average equity$15,888,2003,706
Average total loans$104,952,2003,299
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3513%1,996
Cost of funding earning assets0.4368%2,671
Net interest margin3.9145%1,925
Noninterest income to average assets0.1573%5,487
Noninterest expense to average assets2.3630%4,373
Loan and lease loss provision to assets0.0959%2,304
Net operating income to assets0.9293%2,756
Return on assets (ROA)0.9306%2,875
Pretax return on assets1.3029%2,421
Return on Equity (ROE)8.1377%2,939
Retained earnings to average equity (ytd only)6.0404%2,168
Net charge-offs to loans-0.0025%4,514
Credit loss provision to net charge-offs-5,000.0000%5,408
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8477%4,094
Assets per employee ($millions)4.2743%3,458
Cash dividends to net income (ytd only)*25.7736%2,985
Condition Ratios (%)
Loss allowance to loans1.2946%2,714
Loan loss allowance to noncurrent loans2,627.7778%275
Noncurrent assets plus other real estate owned to assets0.0395%5,317
Noncurrent loans to loans0.0493%5,165
Net loans and leases to total assets79.0982%1,022
Net loans and leases to deposits97.8687%868
Net loans and leases to core deposits104.6730%1,296
Total domestic deposits to total assets80.8207%4,295
Equity capital to assets11.9705%2,141
Core capital (leverage) ratio12.1061%1,601
Tier 1 risk-based capital ratio13.8004%3,667
Total risk-based capital ratio15.0010%3,624
Memoranda:
Average total assets$138,971,5003,711
Average earning assets$127,898,5003,704
Average equity$15,892,7503,737
Average total loans$104,735,5003,313
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1614%2,633
Cost of funding earning assets0.4334%2,709
Net interest margin3.7280%2,587
Noninterest income to average assets0.1518%5,546
Noninterest expense to average assets2.4065%4,314
Loan and lease loss provision to assets0.1432%1,592
Net operating income to assets0.7688%3,456
Return on assets (ROA)0.7688%3,600
Pretax return on assets1.0379%3,445
Return on Equity (ROE)6.8266%3,635
Retained earnings to average equity (ytd only)3.6485%3,570
Net charge-offs to loans-0.0019%4,375
Credit loss provision to net charge-offs-10,000.0000%5,375
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0790%3,522
Assets per employee ($millions)4.0123%3,878
Cash dividends to net income (ytd only)*46.5549%2,124
Condition Ratios (%)
Loss allowance to loans1.3420%2,564
Loan loss allowance to noncurrent loans2,287.0968%288
Noncurrent assets plus other real estate owned to assets0.0468%5,380
Noncurrent loans to loans0.0587%5,215
Net loans and leases to total assets78.7336%1,109
Net loans and leases to deposits91.4970%1,577
Net loans and leases to core deposits98.7618%1,749
Total domestic deposits to total assets86.0505%2,401
Equity capital to assets12.0433%2,097
Core capital (leverage) ratio11.9718%1,644
Tier 1 risk-based capital ratio13.8511%3,697
Total risk-based capital ratio15.0882%3,622
Memoranda:
Average total assets$139,702,6703,725
Average earning assets$128,754,3303,716
Average equity$15,732,6703,773
Average total loans$103,111,3303,356
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0427%3,058
Cost of funding earning assets0.4290%2,776
Net interest margin3.6136%3,034
Noninterest income to average assets0.1423%5,634
Noninterest expense to average assets2.1681%4,985
Loan and lease loss provision to assets0.2790%592
Net operating income to assets0.7394%3,540
Return on assets (ROA)0.7394%3,645
Pretax return on assets1.0324%3,353
Return on Equity (ROE)6.7836%3,569
Retained earnings to average equity (ytd only)0.3840%5,025
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3095%4,403
Assets per employee ($millions)4.0868%3,796
Cash dividends to net income (ytd only)*94.3396%775
Condition Ratios (%)
Loss allowance to loans1.4554%2,176
Loan loss allowance to noncurrent loans1,771.2500%358
Noncurrent assets plus other real estate owned to assets0.0593%5,369
Noncurrent loans to loans0.0822%5,151
Net loans and leases to total assets71.1418%2,168
Net loans and leases to deposits80.5548%2,720
Net loans and leases to core deposits86.6413%2,693
Total domestic deposits to total assets88.3148%1,459
Equity capital to assets11.5955%2,356
Core capital (leverage) ratio11.2636%2,173
Tier 1 risk-based capital ratio14.1685%3,588
Total risk-based capital ratio15.4186%3,515
Memoranda:
Average total assets$143,351,0003,679
Average earning assets$132,388,0003,678
Average equity$15,626,0003,790
Average total loans$101,834,0003,388
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4551%1,729
Cost of funding earning assets0.3929%3,232
Net interest margin4.0622%1,515
Noninterest income to average assets0.1685%5,572
Noninterest expense to average assets2.4971%4,233
Loan and lease loss provision to assets0.0917%2,470
Net operating income to assets0.8780%2,986
Return on assets (ROA)0.8780%3,070
Pretax return on assets1.3201%2,202
Return on Equity (ROE)8.3007%2,798
Retained earnings to average equity (ytd only)8.3007%824
Net charge-offs to loans-0.0770%5,704
Credit loss provision to net charge-offs-152.9412%5,235
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8824%4,296
Assets per employee ($millions)4.7450%2,673
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.2379%3,259
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0520%5,466
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets69.1463%2,509
Net loans and leases to deposits77.1754%3,143
Net loans and leases to core deposits95.0730%1,933
Total domestic deposits to total assets89.5962%801
Equity capital to assets10.2833%3,641
Core capital (leverage) ratio10.5739%2,852
Tier 1 risk-based capital ratio13.0560%4,269
Total risk-based capital ratio14.1581%4,273
Memoranda:
Average total assets$141,805,2003,698
Average earning assets$130,568,2003,690
Average equity$14,998,8003,836
Average total loans$110,341,8003,193
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5162%1,547
Cost of funding earning assets0.3803%3,436
Net interest margin4.1360%1,310
Noninterest income to average assets0.1771%5,594
Noninterest expense to average assets2.3221%4,728
Loan and lease loss provision to assets0.1244%1,822
Net operating income to assets0.9840%2,552
Return on assets (ROA)0.9840%2,634
Pretax return on assets1.5305%1,601
Return on Equity (ROE)9.2329%2,447
Retained earnings to average equity (ytd only)9.2329%816
Net charge-offs to loans-0.0958%5,765
Credit loss provision to net charge-offs-162.5000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3875%5,074
Assets per employee ($millions)4.6088%2,825
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1463%3,951
Loan loss allowance to noncurrent loans173.1836%2,540
Noncurrent assets plus other real estate owned to assets0.5298%3,723
Noncurrent loans to loans0.6619%3,347
Net loans and leases to total assets79.1345%939
Net loans and leases to deposits88.8195%1,792
Net loans and leases to core deposits110.3605%861
Total domestic deposits to total assets89.0958%979
Equity capital to assets10.7698%3,281
Core capital (leverage) ratio10.7432%2,779
Tier 1 risk-based capital ratio12.0323%5,065
Total risk-based capital ratio13.0575%5,119
Memoranda:
Average total assets$139,296,7503,767
Average earning assets$127,980,0003,775
Average equity$14,845,0003,898
Average total loans$111,350,5003,205
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4381%1,722
Cost of funding earning assets0.3597%3,708
Net interest margin4.0784%1,416
Noninterest income to average assets0.1767%5,640
Noninterest expense to average assets2.3084%4,823
Loan and lease loss provision to assets0.1883%1,065
Net operating income to assets0.8950%2,904
Return on assets (ROA)0.8950%3,033
Pretax return on assets1.4236%1,890
Return on Equity (ROE)8.4286%2,831
Retained earnings to average equity (ytd only)8.4286%1,105
Net charge-offs to loans0.0018%3,839
Credit loss provision to net charge-offs13,000.0000%37
Earnings coverage of net charge-offs (x)1,113.0000%53
Efficiency ratio58.8844%5,124
Assets per employee ($millions)4.3048%3,295
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0663%4,507
Loan loss allowance to noncurrent loans3,327.0270%200
Noncurrent assets plus other real estate owned to assets0.0260%5,782
Noncurrent loans to loans0.0321%5,623
Net loans and leases to total assets80.3994%755
Net loans and leases to deposits101.0529%590
Net loans and leases to core deposits127.7851%314
Total domestic deposits to total assets79.5617%4,966
Equity capital to assets10.5345%3,407
Core capital (leverage) ratio11.0675%2,362
Tier 1 risk-based capital ratio11.6532%5,367
Total risk-based capital ratio12.6120%5,469
Memoranda:
Average total assets$138,105,0003,822
Average earning assets$126,765,6703,826
Average equity$14,664,3303,939
Average total loans$110,343,3303,244
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4171%1,709
Cost of funding earning assets0.3526%3,831
Net interest margin4.0645%1,376
Noninterest income to average assets0.1851%5,604
Noninterest expense to average assets2.2537%4,989
Loan and lease loss provision to assets0.1469%1,381
Net operating income to assets0.9609%2,444
Return on assets (ROA)0.9609%2,577
Pretax return on assets1.5103%1,533
Return on Equity (ROE)9.0120%2,440
Retained earnings to average equity (ytd only)9.0120%1,188
Net charge-offs to loans0.0074%3,080
Credit loss provision to net charge-offs2,500.0000%159
Earnings coverage of net charge-offs (x)282.0000%204
Efficiency ratio57.6258%5,375
Assets per employee ($millions)4.1423%3,672
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0998%4,527
Loan loss allowance to noncurrent loans143.9299%2,878
Noncurrent assets plus other real estate owned to assets0.6028%3,676
Noncurrent loans to loans0.7641%3,343
Net loans and leases to total assets78.0158%928
Net loans and leases to deposits93.4047%1,044
Net loans and leases to core deposits110.2108%736
Total domestic deposits to total assets83.5245%4,000
Equity capital to assets11.0747%2,891
Core capital (leverage) ratio11.0344%2,383
Tier 1 risk-based capital ratio12.5343%4,884
Total risk-based capital ratio13.5173%4,974
Memoranda:
Average total assets$136,129,0003,878
Average earning assets$124,789,0003,895
Average equity$14,514,0003,993
Average total loans$107,793,0003,305
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4833%1,940
Cost of funding earning assets0.3746%3,985
Net interest margin4.1087%1,554
Noninterest income to average assets0.3420%4,654
Noninterest expense to average assets2.3861%4,884
Loan and lease loss provision to assets0.2316%1,048
Net operating income to assets1.0085%2,339
Return on assets (ROA)1.0136%2,402
Pretax return on assets1.5339%1,426
Return on Equity (ROE)9.2747%2,455
Retained earnings to average equity (ytd only)5.6722%2,151
Net charge-offs to loans0.4340%976
Credit loss provision to net charge-offs69.1244%3,097
Earnings coverage of net charge-offs (x)5.2465%3,472
Efficiency ratio57.5820%5,508
Assets per employee ($millions)4.5066%3,028
Cash dividends to net income (ytd only)*38.8423%2,909
Condition Ratios (%)
Loss allowance to loans0.9926%5,103
Loan loss allowance to noncurrent loans1,777.4194%364
Noncurrent assets plus other real estate owned to assets0.0444%5,860
Noncurrent loans to loans0.0558%5,655
Net loans and leases to total assets78.6814%922
Net loans and leases to deposits93.4551%1,134
Net loans and leases to core deposits117.8095%473
Total domestic deposits to total assets84.1916%3,630
Equity capital to assets10.2703%3,765
Core capital (leverage) ratio10.3972%3,063
Tier 1 risk-based capital ratio11.5267%5,645
Total risk-based capital ratio12.4121%5,774
Memoranda:
Average total assets$129,542,4003,982
Average earning assets$119,866,8003,970
Average equity$14,156,8003,997
Average total loans$100,002,2003,422
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4324%2,109
Cost of funding earning assets0.3802%4,015
Net interest margin4.0522%1,714
Noninterest income to average assets0.4084%4,176
Noninterest expense to average assets2.0955%5,578
Loan and lease loss provision to assets0.2100%1,107
Net operating income to assets1.2089%1,655
Return on assets (ROA)1.2157%1,693
Pretax return on assets1.8729%758
Return on Equity (ROE)10.9431%1,808
Retained earnings to average equity (ytd only)10.9431%522
Net charge-offs to loans0.0178%4,176
Credit loss provision to net charge-offs1,538.4615%238
Earnings coverage of net charge-offs (x)151.8713%413
Efficiency ratio50.2771%6,088
Assets per employee ($millions)4.4265%3,093
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.3070%3,606
Loan loss allowance to noncurrent loans1,046.3235%539
Noncurrent assets plus other real estate owned to assets0.0991%5,767
Noncurrent loans to loans0.1249%5,549
Net loans and leases to total assets78.3058%926
Net loans and leases to deposits92.7038%1,163
Net loans and leases to core deposits116.9775%466
Total domestic deposits to total assets84.4688%3,560
Equity capital to assets10.7141%3,279
Core capital (leverage) ratio10.9902%2,498
Tier 1 risk-based capital ratio12.1137%5,414
Total risk-based capital ratio13.2864%5,374
Memoranda:
Average total assets$127,002,0004,066
Average earning assets$117,826,2504,039
Average equity$14,109,0004,027
Average total loans$97,247,0003,507
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3336%2,458
Cost of funding earning assets0.3881%4,017
Net interest margin3.9455%1,990
Noninterest income to average assets0.1796%5,873
Noninterest expense to average assets2.1004%5,624
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.1586%1,723
Return on assets (ROA)1.1586%1,800
Pretax return on assets1.7476%938
Return on Equity (ROE)10.2938%2,017
Retained earnings to average equity (ytd only)10.2938%658
Net charge-offs to loans0.0300%3,593
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)77.1429%685
Efficiency ratio54.5837%5,863
Assets per employee ($millions)4.6932%2,622
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2353%4,246
Loan loss allowance to noncurrent loans1,373.0337%388
Noncurrent assets plus other real estate owned to assets0.0702%5,960
Noncurrent loans to loans0.0900%5,745
Net loans and leases to total assets77.1039%1,038
Net loans and leases to deposits92.9734%1,052
Net loans and leases to core deposits103.0916%1,075
Total domestic deposits to total assets82.9311%4,327
Equity capital to assets11.2598%2,650
Core capital (leverage) ratio11.9725%1,672
Tier 1 risk-based capital ratio12.8964%4,977
Total risk-based capital ratio14.0016%5,007
Memoranda:
Average total assets$123,595,6704,167
Average earning assets$114,916,6704,129
Average equity$13,911,3304,060
Average total loans$93,371,0003,609
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3314%2,402
Cost of funding earning assets0.4078%3,870
Net interest margin3.9236%2,000
Noninterest income to average assets0.1999%5,759
Noninterest expense to average assets2.0617%5,759
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.1997%1,487
Return on assets (ROA)1.1997%1,552
Pretax return on assets1.7962%802
Return on Equity (ROE)10.6605%1,796
Retained earnings to average equity (ytd only)10.6605%804
Net charge-offs to loans0.0618%2,541
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)39.1429%889
Efficiency ratio53.4410%6,062
Assets per employee ($millions)4.3380%3,269
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4033%3,586
Loan loss allowance to noncurrent loans598.5294%798
Noncurrent assets plus other real estate owned to assets0.1742%5,709
Noncurrent loans to loans0.2345%5,399
Net loans and leases to total assets73.2433%1,395
Net loans and leases to deposits83.3482%1,900
Net loans and leases to core deposits85.4325%2,374
Total domestic deposits to total assets87.8763%2,300
Equity capital to assets11.8812%1,950
Core capital (leverage) ratio11.6146%1,890
Tier 1 risk-based capital ratio14.1956%4,194
Total risk-based capital ratio15.4419%4,144
Memoranda:
Average total assets$122,035,5004,229
Average earning assets$113,774,0004,183
Average equity$13,733,0004,094
Average total loans$90,594,0003,691
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4486%2,398
Cost of funding earning assets0.4524%4,087
Net interest margin3.9962%1,955
Noninterest income to average assets0.1729%6,049
Noninterest expense to average assets2.1449%5,739
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.1710%1,683
Return on assets (ROA)1.1710%1,737
Pretax return on assets1.7846%781
Return on Equity (ROE)11.2128%1,698
Retained earnings to average equity (ytd only)11.2128%395
Net charge-offs to loans-0.0084%5,995
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5849%6,086
Assets per employee ($millions)4.8825%2,328
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.3113%4,087
Loan loss allowance to noncurrent loans315.8568%1,405
Noncurrent assets plus other real estate owned to assets0.3080%5,339
Noncurrent loans to loans0.4152%4,966
Net loans and leases to total assets73.2167%1,487
Net loans and leases to deposits82.2158%2,160
Net loans and leases to core deposits92.2092%1,778
Total domestic deposits to total assets89.0543%1,582
Equity capital to assets10.6739%2,957
Core capital (leverage) ratio10.6342%2,749
Tier 1 risk-based capital ratio12.9862%4,979
Total risk-based capital ratio14.1705%4,984
Memoranda:
Average total assets$123,223,6004,209
Average earning assets$115,834,6004,135
Average equity$12,869,2004,290
Average total loans$95,016,8003,577
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4479%2,432
Cost of funding earning assets0.4555%4,214
Net interest margin3.9925%1,970
Noninterest income to average assets0.1679%6,182
Noninterest expense to average assets1.9123%6,167
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.3257%1,276
Return on assets (ROA)1.3257%1,333
Pretax return on assets2.0115%566
Return on Equity (ROE)12.7671%1,295
Retained earnings to average equity (ytd only)12.7671%358
Net charge-offs to loans-0.0098%5,886
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.7358%6,467
Assets per employee ($millions)5.2041%1,927
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.2608%4,590
Loan loss allowance to noncurrent loans156.5272%2,457
Noncurrent assets plus other real estate owned to assets0.6317%4,546
Noncurrent loans to loans0.8055%4,225
Net loans and leases to total assets77.4394%810
Net loans and leases to deposits87.8252%1,385
Net loans and leases to core deposits98.8381%1,182
Total domestic deposits to total assets88.1744%2,015
Equity capital to assets10.6670%3,104
Core capital (leverage) ratio10.9560%2,523
Tier 1 risk-based capital ratio12.4083%5,513
Total risk-based capital ratio13.5592%5,508
Memoranda:
Average total assets$122,293,2504,268
Average earning assets$115,047,0004,202
Average equity$12,699,0004,367
Average total loans$95,226,0003,594
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3851%2,627
Cost of funding earning assets0.4637%4,274
Net interest margin3.9214%2,142
Noninterest income to average assets0.1697%6,198
Noninterest expense to average assets1.8892%6,240
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2847%1,363
Return on assets (ROA)1.2847%1,458
Pretax return on assets1.9716%638
Return on Equity (ROE)12.4890%1,360
Retained earnings to average equity (ytd only)12.4890%431
Net charge-offs to loans-0.0042%5,606
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.9334%6,488
Assets per employee ($millions)4.4433%2,907
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.3426%4,303
Loan loss allowance to noncurrent loans216.1687%1,861
Noncurrent assets plus other real estate owned to assets0.4925%5,034
Noncurrent loans to loans0.6211%4,702
Net loans and leases to total assets78.2350%718
Net loans and leases to deposits93.9590%816
Net loans and leases to core deposits96.2278%1,334
Total domestic deposits to total assets83.2651%4,606
Equity capital to assets11.1578%2,602
Core capital (leverage) ratio11.3549%2,052
Tier 1 risk-based capital ratio12.5719%5,452
Total risk-based capital ratio13.7724%5,422
Memoranda:
Average total assets$121,424,6704,317
Average earning assets$114,296,0004,249
Average equity$12,491,0004,428
Average total loans$94,316,0003,623
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3011%2,883
Cost of funding earning assets0.4680%4,397
Net interest margin3.8331%2,340
Noninterest income to average assets0.1705%6,236
Noninterest expense to average assets1.8846%6,301
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1771%1,592
Return on assets (ROA)1.1771%1,703
Pretax return on assets1.8943%746
Return on Equity (ROE)11.9107%1,447
Retained earnings to average equity (ytd only)11.9107%712
Net charge-offs to loans-0.0084%5,384
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.8723%6,509
Assets per employee ($millions)4.5020%2,970
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4108%4,178
Loan loss allowance to noncurrent loans440.8602%957
Noncurrent assets plus other real estate owned to assets0.2384%5,853
Noncurrent loans to loans0.3200%5,595
Net loans and leases to total assets73.4340%1,150
Net loans and leases to deposits82.6047%1,755
Net loans and leases to core deposits84.6515%2,247
Total domestic deposits to total assets88.8981%1,740
Equity capital to assets10.6577%3,369
Core capital (leverage) ratio10.4938%2,785
Tier 1 risk-based capital ratio13.0214%5,199
Total risk-based capital ratio14.2684%5,152
Memoranda:
Average total assets$124,374,5004,296
Average earning assets$117,086,0004,217
Average equity$12,291,5004,522
Average total loans$95,668,5003,617
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7042%2,579
Cost of funding earning assets0.5548%4,771
Net interest margin4.1495%1,819
Noninterest income to average assets0.1678%6,189
Noninterest expense to average assets2.2084%5,908
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.2531%1,441
Return on assets (ROA)1.2638%1,568
Pretax return on assets1.9420%681
Return on Equity (ROE)12.4927%1,362
Retained earnings to average equity (ytd only)6.9347%1,601
Net charge-offs to loans0.0022%5,960
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)1,113.0000%26
Efficiency ratio53.4212%6,330
Assets per employee ($millions)5.2679%1,936
Cash dividends to net income (ytd only)*44.4901%2,617
Condition Ratios (%)
Loss allowance to loans1.1791%5,215
Loan loss allowance to noncurrent loans11,163.6364%69
Noncurrent assets plus other real estate owned to assets0.0084%6,668
Noncurrent loans to loans0.0106%6,535
Net loans and leases to total assets78.1514%655
Net loans and leases to deposits92.2233%897
Net loans and leases to core deposits107.9536%611
Total domestic deposits to total assets84.7415%3,972
Equity capital to assets9.1938%5,277
Core capital (leverage) ratio9.7730%3,693
Tier 1 risk-based capital ratio10.6054%6,512
Total risk-based capital ratio11.6821%6,548
Memoranda:
Average total assets$115,602,8004,449
Average earning assets$110,496,2004,325
Average equity$11,694,8004,634
Average total loans$90,322,2003,742
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7120%2,764
Cost of funding earning assets0.5860%4,779
Net interest margin4.1259%2,000
Noninterest income to average assets0.1697%6,287
Noninterest expense to average assets2.0947%6,176
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.3059%1,431
Return on assets (ROA)1.3204%1,528
Pretax return on assets2.0601%614
Return on Equity (ROE)12.7102%1,409
Retained earnings to average equity (ytd only)9.2595%1,136
Net charge-offs to loans0.0061%5,659
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)426.5066%108
Efficiency ratio50.6940%6,537
Assets per employee ($millions)4.4068%3,063
Cash dividends to net income (ytd only)*27.1493%2,765
Condition Ratios (%)
Loss allowance to loans1.2527%5,033
Loan loss allowance to noncurrent loans8,173.3333%92
Noncurrent assets plus other real estate owned to assets0.0126%6,749
Noncurrent loans to loans0.0153%6,613
Net loans and leases to total assets81.2242%408
Net loans and leases to deposits92.0348%969
Net loans and leases to core deposits108.8530%613
Total domestic deposits to total assets88.2538%1,875
Equity capital to assets10.1729%4,240
Core capital (leverage) ratio10.3730%3,072
Tier 1 risk-based capital ratio11.6680%6,136
Total risk-based capital ratio12.8510%6,140
Memoranda:
Average total assets$111,579,2504,604
Average earning assets$107,156,7504,462
Average equity$11,591,5004,697
Average total loans$86,865,0003,864
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5942%3,389
Cost of funding earning assets0.6026%4,882
Net interest margin3.9915%2,541
Noninterest income to average assets0.1650%6,351
Noninterest expense to average assets2.1648%6,096
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.1841%1,770
Return on assets (ROA)1.1841%1,969
Pretax return on assets1.8367%970
Return on Equity (ROE)11.3128%1,874
Retained earnings to average equity (ytd only)6.0592%2,676
Net charge-offs to loans0.0096%5,328
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)250.5000%172
Efficiency ratio54.0999%6,307
Assets per employee ($millions)4.0999%3,664
Cash dividends to net income (ytd only)*46.4396%1,896
Condition Ratios (%)
Loss allowance to loans1.3415%4,699
Loan loss allowance to noncurrent loans3,954.8387%129
Noncurrent assets plus other real estate owned to assets0.0280%6,760
Noncurrent loans to loans0.0339%6,598
Net loans and leases to total assets81.4503%374
Net loans and leases to deposits102.2164%332
Net loans and leases to core deposits104.8944%799
Total domestic deposits to total assets79.6842%5,819
Equity capital to assets10.5315%3,649
Core capital (leverage) ratio11.0947%2,209
Tier 1 risk-based capital ratio12.1287%5,845
Total risk-based capital ratio13.3777%5,823
Memoranda:
Average total assets$109,111,3304,690
Average earning assets$104,872,3304,539
Average equity$11,420,6704,730
Average total loans$83,197,0004,006
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4618%4,063
Cost of funding earning assets0.6336%4,863
Net interest margin3.8283%3,251
Noninterest income to average assets0.1588%6,435
Noninterest expense to average assets2.1788%6,096
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1042%2,066
Return on assets (ROA)1.1042%2,251
Pretax return on assets1.6618%1,397
Return on Equity (ROE)10.5822%2,198
Retained earnings to average equity (ytd only)-0.0354%5,992
Net charge-offs to loans0.0253%4,334
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)90.0000%377
Efficiency ratio56.7308%6,053
Assets per employee ($millions)3.9834%4,054
Cash dividends to net income (ytd only)*100.3344%545
Condition Ratios (%)
Loss allowance to loans1.6157%3,666
Loan loss allowance to noncurrent loans313.2992%1,062
Noncurrent assets plus other real estate owned to assets0.3635%5,975
Noncurrent loans to loans0.5157%5,639
Net loans and leases to total assets69.3578%1,875
Net loans and leases to deposits77.8808%2,535
Net loans and leases to core deposits79.9655%3,074
Total domestic deposits to total assets89.0564%1,663
Equity capital to assets10.5122%3,475
Core capital (leverage) ratio10.2726%3,031
Tier 1 risk-based capital ratio14.1978%4,321
Total risk-based capital ratio15.4519%4,293
Memoranda:
Average total assets$108,318,5004,744
Average earning assets$104,172,5004,593
Average equity$11,302,0004,764
Average total loans$79,101,0004,148
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0537%2,637
Cost of funding earning assets0.7791%5,004
Net interest margin4.2746%1,787
Noninterest income to average assets0.1624%6,329
Noninterest expense to average assets2.3424%5,932
Loan and lease loss provision to assets0.0389%6,084
Net operating income to assets1.2096%1,488
Return on assets (ROA)1.2096%1,597
Pretax return on assets1.8727%706
Return on Equity (ROE)11.5495%1,539
Retained earnings to average equity (ytd only)7.8359%1,136
Net charge-offs to loans-0.0139%6,919
Credit loss provision to net charge-offs-363.6364%6,793
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0629%6,411
Assets per employee ($millions)4.0402%3,766
Cash dividends to net income (ytd only)*32.1543%3,020
Condition Ratios (%)
Loss allowance to loans1.4930%4,056
Loan loss allowance to noncurrent loans24,600.0000%24
Noncurrent assets plus other real estate owned to assets0.0046%6,991
Noncurrent loans to loans0.0061%6,849
Net loans and leases to total assets74.3927%1,199
Net loans and leases to deposits83.4193%2,002
Net loans and leases to core deposits91.3977%1,948
Total domestic deposits to total assets89.1792%1,435
Equity capital to assets10.3570%3,704
Core capital (leverage) ratio10.5156%2,712
Tier 1 risk-based capital ratio13.1691%4,942
Total risk-based capital ratio14.4209%4,916
Memoranda:
Average total assets$102,845,0004,826
Average earning assets$98,441,8004,672
Average equity$10,771,0004,834
Average total loans$78,895,4004,175
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1236%2,499
Cost of funding earning assets0.8324%4,929
Net interest margin4.2912%1,751
Noninterest income to average assets0.1645%6,418
Noninterest expense to average assets2.1062%6,493
Loan and lease loss provision to assets0.0527%5,791
Net operating income to assets1.3704%1,218
Return on assets (ROA)1.3704%1,302
Pretax return on assets2.1115%507
Return on Equity (ROE)13.0458%1,265
Retained earnings to average equity (ytd only)8.0330%1,499
Net charge-offs to loans-0.0273%6,958
Credit loss provision to net charge-offs-250.0000%6,602
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3218%6,862
Assets per employee ($millions)4.0533%3,729
Cash dividends to net income (ytd only)*38.4245%2,098
Condition Ratios (%)
Loss allowance to loans1.4902%4,150
Loan loss allowance to noncurrent loans364.3068%879
Noncurrent assets plus other real estate owned to assets0.3217%6,266
Noncurrent loans to loans0.4090%6,027
Net loans and leases to total assets77.4678%772
Net loans and leases to deposits87.1581%1,536
Net loans and leases to core deposits95.5581%1,648
Total domestic deposits to total assets88.8819%1,493
Equity capital to assets10.5288%3,670
Core capital (leverage) ratio11.0533%2,342
Tier 1 risk-based capital ratio12.8574%5,199
Total risk-based capital ratio14.1102%5,175
Memoranda:
Average total assets$101,284,7504,886
Average earning assets$96,908,0004,743
Average equity$10,639,2504,884
Average total loans$78,023,7504,245
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0141%3,088
Cost of funding earning assets0.8799%4,829
Net interest margin4.1342%2,289
Noninterest income to average assets0.1621%6,500
Noninterest expense to average assets2.1938%6,398
Loan and lease loss provision to assets0.0801%5,307
Net operating income to assets1.2030%1,561
Return on assets (ROA)1.2030%1,647
Pretax return on assets1.8475%795
Return on Equity (ROE)11.4618%1,651
Retained earnings to average equity (ytd only)3.8333%3,768
Net charge-offs to loans-0.0445%7,007
Credit loss provision to net charge-offs-235.2941%6,404
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2297%6,692
Assets per employee ($millions)3.7400%4,337
Cash dividends to net income (ytd only)*66.5557%1,133
Condition Ratios (%)
Loss allowance to loans1.5740%3,805
Loan loss allowance to noncurrent loans852.4138%427
Noncurrent assets plus other real estate owned to assets0.1491%6,718
Noncurrent loans to loans0.1846%6,534
Net loans and leases to total assets79.4858%588
Net loans and leases to deposits89.8702%1,282
Net loans and leases to core deposits99.7033%1,366
Total domestic deposits to total assets88.4451%1,885
Equity capital to assets10.9615%3,002
Core capital (leverage) ratio11.2673%2,069
Tier 1 risk-based capital ratio13.0009%4,913
Total risk-based capital ratio14.2405%4,906
Memoranda:
Average total assets$99,917,3304,966
Average earning assets$95,690,3304,828
Average equity$10,487,0004,926
Average total loans$76,406,3304,333
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8812%3,683
Cost of funding earning assets0.9160%4,806
Net interest margin3.9652%2,848
Noninterest income to average assets0.1541%6,616
Noninterest expense to average assets2.1214%6,587
Loan and lease loss provision to assets0.1580%4,046
Net operating income to assets1.0903%1,870
Return on assets (ROA)1.0903%1,915
Pretax return on assets1.6710%1,032
Return on Equity (ROE)10.6144%1,870
Retained earnings to average equity (ytd only)-4.7688%6,501
Net charge-offs to loans-0.0106%6,380
Credit loss provision to net charge-offs-2,000.0000%6,238
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7000%6,718
Assets per employee ($millions)3.6347%4,684
Cash dividends to net income (ytd only)*144.9275%351
Condition Ratios (%)
Loss allowance to loans1.7111%3,300
Loan loss allowance to noncurrent loans1,271.8750%319
Noncurrent assets plus other real estate owned to assets0.0978%6,916
Noncurrent loans to loans0.1345%6,707
Net loans and leases to total assets71.4671%1,819
Net loans and leases to deposits80.4743%2,617
Net loans and leases to core deposits84.8260%3,058
Total domestic deposits to total assets88.8074%1,892
Equity capital to assets10.5344%3,145
Core capital (leverage) ratio9.9439%3,207
Tier 1 risk-based capital ratio13.6683%4,312
Total risk-based capital ratio14.9226%4,279
Memoranda:
Average total assets$101,256,0004,967
Average earning assets$96,944,0004,825
Average equity$10,401,0004,940
Average total loans$75,345,5004,410
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5009%2,276
Cost of funding earning assets1.1216%5,014
Net interest margin4.3792%1,560
Noninterest income to average assets0.2177%6,245
Noninterest expense to average assets2.3647%6,183
Loan and lease loss provision to assets0.0051%7,018
Net operating income to assets1.3004%1,174
Return on assets (ROA)1.3004%1,229
Pretax return on assets1.9994%476
Return on Equity (ROE)12.9636%1,097
Retained earnings to average equity (ytd only)10.4277%448
Net charge-offs to loans0.0552%6,239
Credit loss provision to net charge-offs11.9048%6,601
Earnings coverage of net charge-offs (x)46.9048%494
Efficiency ratio54.1220%6,795
Assets per employee ($millions)3.7277%4,404
Cash dividends to net income (ytd only)*19.5618%3,473
Condition Ratios (%)
Loss allowance to loans1.4861%4,086
Loan loss allowance to noncurrent loans2,620.0000%173
Noncurrent assets plus other real estate owned to assets0.0431%7,128
Noncurrent loans to loans0.0567%6,983
Net loans and leases to total assets74.8793%1,499
Net loans and leases to deposits83.9331%2,460
Net loans and leases to core deposits101.3841%1,504
Total domestic deposits to total assets89.2130%1,533
Equity capital to assets10.0253%3,717
Core capital (leverage) ratio10.0984%2,976
Tier 1 risk-based capital ratio12.5329%4,997
Total risk-based capital ratio13.7845%4,985
Memoranda:
Average total assets$98,278,4005,040
Average earning assets$93,167,0004,912
Average equity$9,858,4005,172
Average total loans$76,099,4004,448
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5366%2,303
Cost of funding earning assets1.1551%5,118
Net interest margin4.3815%1,585
Noninterest income to average assets0.2315%6,238
Noninterest expense to average assets2.2173%6,562
Loan and lease loss provision to assets0.0069%6,950
Net operating income to assets1.3463%1,232
Return on assets (ROA)1.3463%1,312
Pretax return on assets2.1525%455
Return on Equity (ROE)13.4195%1,155
Retained earnings to average equity (ytd only)9.9857%801
Net charge-offs to loans0.0761%5,756
Credit loss provision to net charge-offs11.6279%6,321
Earnings coverage of net charge-offs (x)36.4430%750
Efficiency ratio50.6612%7,103
Assets per employee ($millions)3.7476%4,398
Cash dividends to net income (ytd only)*25.5890%2,733
Condition Ratios (%)
Loss allowance to loans1.5008%3,957
Loan loss allowance to noncurrent loans108.8725%2,578
Noncurrent assets plus other real estate owned to assets1.0693%4,978
Noncurrent loans to loans1.3785%4,557
Net loans and leases to total assets76.4086%1,330
Net loans and leases to deposits85.7910%2,390
Net loans and leases to core deposits104.6963%1,426
Total domestic deposits to total assets89.0636%1,364
Equity capital to assets10.0450%4,104
Core capital (leverage) ratio10.2230%3,016
Tier 1 risk-based capital ratio12.3325%5,140
Total risk-based capital ratio13.5752%5,128
Memoranda:
Average total assets$96,754,0005,143
Average earning assets$91,533,2505,023
Average equity$9,707,0005,284
Average total loans$75,290,5004,551
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4415%2,796
Cost of funding earning assets1.1835%5,217
Net interest margin4.2580%1,926
Noninterest income to average assets0.2540%6,093
Noninterest expense to average assets2.3321%6,267
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.2049%1,547
Return on assets (ROA)1.2049%1,619
Pretax return on assets1.9396%686
Return on Equity (ROE)12.0151%1,453
Retained earnings to average equity (ytd only)6.7820%1,933
Net charge-offs to loans0.1347%4,864
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)18.4800%1,289
Efficiency ratio54.5946%6,807
Assets per employee ($millions)3.7158%4,420
Cash dividends to net income (ytd only)*43.5540%1,925
Condition Ratios (%)
Loss allowance to loans1.4610%4,117
Loan loss allowance to noncurrent loans186.8590%1,503
Noncurrent assets plus other real estate owned to assets0.7794%5,564
Noncurrent loans to loans0.7818%5,711
Net loans and leases to total assets81.4038%614
Net loans and leases to deposits93.4937%1,338
Net loans and leases to core deposits112.9908%978
Total domestic deposits to total assets87.0688%2,492
Equity capital to assets10.1044%3,882
Core capital (leverage) ratio10.6733%2,479
Tier 1 risk-based capital ratio11.7582%5,535
Total risk-based capital ratio13.0103%5,497
Memoranda:
Average total assets$95,277,0005,213
Average earning assets$89,901,0005,096
Average equity$9,554,6705,327
Average total loans$74,223,3304,631
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4458%2,833
Cost of funding earning assets1.2352%5,205
Net interest margin4.2106%1,998
Noninterest income to average assets0.3255%5,548
Noninterest expense to average assets2.4268%5,994
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.1077%1,807
Return on assets (ROA)1.1077%1,888
Pretax return on assets1.8476%809
Return on Equity (ROE)11.0888%1,765
Retained earnings to average equity (ytd only)0.5079%5,629
Net charge-offs to loans0.2856%3,265
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)8.5686%1,944
Efficiency ratio56.7755%6,656
Assets per employee ($millions)2.9905%6,234
Cash dividends to net income (ytd only)*95.4198%637
Condition Ratios (%)
Loss allowance to loans1.6803%3,135
Loan loss allowance to noncurrent loans689.9408%465
Noncurrent assets plus other real estate owned to assets0.3322%6,650
Noncurrent loans to loans0.2435%6,857
Net loans and leases to total assets76.0455%1,537
Net loans and leases to deposits85.8662%2,611
Net loans and leases to core deposits92.8800%2,994
Total domestic deposits to total assets88.5628%1,754
Equity capital to assets10.5388%3,207
Core capital (leverage) ratio10.1724%2,958
Tier 1 risk-based capital ratio12.8429%4,442
Total risk-based capital ratio14.0974%4,415
Memoranda:
Average total assets$94,610,0005,296
Average earning assets$88,729,5005,206
Average equity$9,451,0005,408
Average total loans$71,429,5004,806
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9298%2,131
Cost of funding earning assets1.4280%5,816
Net interest margin4.5018%1,176
Noninterest income to average assets0.1866%6,755
Noninterest expense to average assets2.5397%5,986
Loan and lease loss provision to assets0.2096%5,665
Net operating income to assets1.0848%1,552
Return on assets (ROA)1.0848%1,603
Pretax return on assets1.6603%850
Return on Equity (ROE)11.5570%1,275
Retained earnings to average equity (ytd only)11.5570%243
Net charge-offs to loans-0.0396%7,831
Credit loss provision to net charge-offs-689.6552%7,436
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5945%6,821
Assets per employee ($millions)3.3168%5,461
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.6551%3,068
Loan loss allowance to noncurrent loans242.7146%1,233
Noncurrent assets plus other real estate owned to assets0.6331%5,878
Noncurrent loans to loans0.6819%5,876
Net loans and leases to total assets72.6122%2,599
Net loans and leases to deposits81.0136%3,796
Net loans and leases to core deposits90.7084%5,050
Total domestic deposits to total assets89.6296%1,140
Equity capital to assets9.4941%4,416
Core capital (leverage) ratio9.5873%3,615
Tier 1 risk-based capital ratio12.0050%4,941
Total risk-based capital ratio13.2647%4,888
Memoranda:
Average total assets$95,405,0005,229
Average earning assets$89,496,6005,140
Average equity$8,955,6005,620
Average total loans$73,321,0004,758
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0487%1,845
Cost of funding earning assets1.4765%5,930
Net interest margin4.5721%1,036
Noninterest income to average assets0.1964%6,813
Noninterest expense to average assets2.3903%6,445
Loan and lease loss provision to assets0.2825%4,718
Net operating income to assets1.1570%1,568
Return on assets (ROA)1.1570%1,629
Pretax return on assets1.8280%757
Return on Equity (ROE)12.3627%1,276
Retained earnings to average equity (ytd only)12.3627%312
Net charge-offs to loans-0.0691%7,890
Credit loss provision to net charge-offs-526.3158%7,283
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1073%7,327
Assets per employee ($millions)3.5786%4,735
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6718%2,726
Loan loss allowance to noncurrent loans839.0411%423
Noncurrent assets plus other real estate owned to assets0.1511%7,159
Noncurrent loans to loans0.1992%7,002
Net loans and leases to total assets74.5707%2,352
Net loans and leases to deposits83.2449%3,789
Net loans and leases to core deposits94.5464%4,970
Total domestic deposits to total assets89.5799%932
Equity capital to assets9.5580%4,669
Core capital (leverage) ratio9.6311%3,739
Tier 1 risk-based capital ratio11.8846%5,077
Total risk-based capital ratio13.1390%5,008
Memoranda:
Average total assets$94,380,2505,292
Average earning assets$88,855,0005,201
Average equity$8,832,7505,706
Average total loans$73,284,2504,800
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1224%1,722
Cost of funding earning assets1.5323%6,010
Net interest margin4.5901%978
Noninterest income to average assets0.2029%6,842
Noninterest expense to average assets2.4350%6,357
Loan and lease loss provision to assets0.1282%5,819
Net operating income to assets1.2047%1,459
Return on assets (ROA)1.2047%1,548
Pretax return on assets1.9523%630
Return on Equity (ROE)12.9675%1,186
Retained earnings to average equity (ytd only)12.9675%334
Net charge-offs to loans-0.1255%7,983
Credit loss provision to net charge-offs-130.4348%6,959
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9262%7,340
Assets per employee ($millions)3.2965%5,329
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4715%3,345
Loan loss allowance to noncurrent loans473.1602%694
Noncurrent assets plus other real estate owned to assets0.2503%6,853
Noncurrent loans to loans0.3110%6,733
Net loans and leases to total assets79.2906%1,461
Net loans and leases to deposits97.3814%1,615
Net loans and leases to core deposits114.1712%2,891
Total domestic deposits to total assets81.4227%4,918
Equity capital to assets9.7258%4,312
Core capital (leverage) ratio9.9513%3,343
Tier 1 risk-based capital ratio11.5755%5,305
Total risk-based capital ratio12.8282%5,237
Memoranda:
Average total assets$93,633,3305,357
Average earning assets$87,972,6705,266
Average equity$8,698,6705,777
Average total loans$73,287,0004,831
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2265%1,511
Cost of funding earning assets1.6259%5,921
Net interest margin4.6006%939
Noninterest income to average assets0.2163%6,743
Noninterest expense to average assets2.2312%6,752
Loan and lease loss provision to assets0.1273%5,330
Net operating income to assets1.3192%1,338
Return on assets (ROA)1.3192%1,437
Pretax return on assets2.1548%487
Return on Equity (ROE)14.5336%1,066
Retained earnings to average equity (ytd only)14.5336%468
Net charge-offs to loans-0.2473%8,039
Credit loss provision to net charge-offs-66.6667%6,188
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4361%7,629
Assets per employee ($millions)3.2702%5,400
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5047%2,960
Loan loss allowance to noncurrent loans577.1739%618
Noncurrent assets plus other real estate owned to assets0.2009%6,928
Noncurrent loans to loans0.2607%6,787
Net loans and leases to total assets75.9179%2,287
Net loans and leases to deposits99.7933%1,439
Net loans and leases to core deposits118.5110%2,548
Total domestic deposits to total assets76.0752%6,493
Equity capital to assets9.5199%4,640
Core capital (leverage) ratio9.4714%4,018
Tier 1 risk-based capital ratio11.6715%5,231
Total risk-based capital ratio12.9122%5,158
Memoranda:
Average total assets$94,299,5005,364
Average earning assets$88,075,5005,286
Average equity$8,559,5005,863
Average total loans$72,791,0004,877
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0170%1,097
Cost of funding earning assets2.5014%4,199
Net interest margin4.5156%1,385
Noninterest income to average assets0.2318%6,778
Noninterest expense to average assets2.4747%6,110
Loan and lease loss provision to assets0.0682%6,539
Net operating income to assets1.2237%1,705
Return on assets (ROA)1.2237%1,647
Pretax return on assets1.8691%817
Return on Equity (ROE)13.5223%1,208
Retained earnings to average equity (ytd only)5.9890%1,538
Net charge-offs to loans0.0738%5,705
Credit loss provision to net charge-offs120.0000%4,475
Earnings coverage of net charge-offs (x)34.1000%1,064
Efficiency ratio56.0907%6,993
Assets per employee ($millions)3.4655%4,765
Cash dividends to net income (ytd only)*55.7103%2,850
Condition Ratios (%)
Loss allowance to loans1.3159%3,670
Loan loss allowance to noncurrent loans223.8095%1,748
Noncurrent assets plus other real estate owned to assets0.4545%5,861
Noncurrent loans to loans0.5880%5,613
Net loans and leases to total assets76.2813%2,547
Net loans and leases to deposits102.6175%1,516
Net loans and leases to core deposits120.2352%2,661
Total domestic deposits to total assets74.3355%6,594
Equity capital to assets8.6589%5,862
Core capital (leverage) ratio8.9745%4,778
Tier 1 risk-based capital ratio10.5498%6,157
Total risk-based capital ratio11.7998%6,056
Memoranda:
Average total assets$88,010,2005,421
Average earning assets$81,473,6005,385
Average equity$7,964,6006,096
Average total loans$67,774,0004,955