Home > Morgan Federal Bank > Performance and Condition Ratios

Morgan Federal Bank, Performance and Condition Ratios

2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4615%4,882
Cost of funding earning assets0.5178%2,128
Net interest margin2.9437%5,029
Noninterest income to average assets0.7761%1,678
Noninterest expense to average assets5.0509%219
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets-1.2887%5,689
Return on assets (ROA)-1.1095%5,675
Pretax return on assets-1.3314%5,689
Return on Equity (ROE)-10.1615%5,669
Retained earnings to average equity (ytd only)-14.6656%5,660
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio142.7936%29
Assets per employee ($millions)4.2519%3,561
Cash dividends to net income (ytd only)*-44.3242%5,724
Condition Ratios (%)
Loss allowance to loans0.7043%5,130
Loan loss allowance to noncurrent loans36,500.0000%31
Noncurrent assets plus other real estate owned to assets0.0009%5,280
Noncurrent loans to loans0.0019%5,155
Net loans and leases to total assets48.4115%4,805
Net loans and leases to deposits56.0799%4,870
Net loans and leases to core deposits58.9016%4,875
Total domestic deposits to total assets86.3260%2,164
Equity capital to assets10.5299%3,344
Core capital (leverage) ratio9.8028%3,818
Tier 1 risk-based capital ratio18.1282%1,824
Total risk-based capital ratio18.7308%1,962
Memoranda:
Average total assets$111,158,7504,086
Average earning assets$102,997,0004,090
Average equity$12,137,0004,153
Average total loans$52,194,0004,441
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4333%4,906
Cost of funding earning assets0.4937%2,219
Net interest margin2.9395%5,019
Noninterest income to average assets1.2467%670
Noninterest expense to average assets3.2878%1,397
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6081%4,267
Return on assets (ROA)0.8938%3,001
Pretax return on assets1.0037%3,561
Return on Equity (ROE)8.0953%2,970
Retained earnings to average equity (ytd only)1.5098%4,643
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.6436%1,040
Assets per employee ($millions)4.4906%3,122
Cash dividends to net income (ytd only)*81.3492%823
Condition Ratios (%)
Loss allowance to loans0.7023%5,205
Loan loss allowance to noncurrent loans36,500.0000%22
Noncurrent assets plus other real estate owned to assets0.0009%5,328
Noncurrent loans to loans0.0019%5,204
Net loans and leases to total assets45.9720%4,953
Net loans and leases to deposits53.4000%4,998
Net loans and leases to core deposits63.8959%4,610
Total domestic deposits to total assets86.0899%2,339
Equity capital to assets11.2512%2,542
Core capital (leverage) ratio11.0347%2,368
Tier 1 risk-based capital ratio20.1304%1,344
Total risk-based capital ratio20.7227%1,435
Memoranda:
Average total assets$112,779,3304,082
Average earning assets$104,507,0004,084
Average equity$12,451,6704,119
Average total loans$52,317,0004,460
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3613%5,014
Cost of funding earning assets0.4421%2,596
Net interest margin2.9192%5,051
Noninterest income to average assets0.9519%1,101
Noninterest expense to average assets3.6625%816
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4211%4,889
Return on assets (ROA)0.4211%4,910
Pretax return on assets0.0000%5,599
Return on Equity (ROE)3.8505%4,833
Retained earnings to average equity (ytd only)0.6148%4,771
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.7440%248
Assets per employee ($millions)4.5078%3,159
Cash dividends to net income (ytd only)*84.0336%910
Condition Ratios (%)
Loss allowance to loans0.6962%5,318
Loan loss allowance to noncurrent loans3,650.0000%214
Noncurrent assets plus other real estate owned to assets0.0089%5,328
Noncurrent loans to loans0.0191%5,150
Net loans and leases to total assets46.1955%4,932
Net loans and leases to deposits53.6850%4,954
Net loans and leases to core deposits64.4570%4,512
Total domestic deposits to total assets86.0491%2,641
Equity capital to assets11.0244%2,608
Core capital (leverage) ratio10.8939%2,486
Tier 1 risk-based capital ratio18.1119%1,834
Total risk-based capital ratio18.6479%2,012
Memoranda:
Average total assets$113,037,0004,111
Average earning assets$104,959,5004,102
Average equity$12,362,0004,153
Average total loans$52,488,0004,496
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2965%5,163
Cost of funding earning assets0.5019%2,077
Net interest margin2.7947%5,296
Noninterest income to average assets1.2326%749
Noninterest expense to average assets3.0921%2,062
Loan and lease loss provision to assets0.0017%4,311
Net operating income to assets0.6489%4,006
Return on assets (ROA)0.6795%3,988
Pretax return on assets0.7595%4,301
Return on Equity (ROE)6.3074%3,843
Retained earnings to average equity (ytd only)3.1138%3,689
Net charge-offs to loans0.0039%4,112
Credit loss provision to net charge-offs100.0000%2,563
Earnings coverage of net charge-offs (x)422.5000%191
Efficiency ratio79.9775%1,425
Assets per employee ($millions)4.3607%3,344
Cash dividends to net income (ytd only)*50.6329%2,266
Condition Ratios (%)
Loss allowance to loans0.6946%5,371
Loan loss allowance to noncurrent loans640.3509%869
Noncurrent assets plus other real estate owned to assets0.0503%5,141
Noncurrent loans to loans0.1085%4,798
Net loans and leases to total assets46.0279%5,015
Net loans and leases to deposits53.7684%5,022
Net loans and leases to core deposits64.5339%4,608
Total domestic deposits to total assets85.6040%2,777
Equity capital to assets10.8486%2,765
Core capital (leverage) ratio10.7617%2,578
Tier 1 risk-based capital ratio17.9015%1,878
Total risk-based capital ratio18.4321%2,054
Memoranda:
Average total assets$116,262,8004,060
Average earning assets$107,598,4004,050
Average equity$12,525,0004,166
Average total loans$51,361,8004,539
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2889%5,229
Cost of funding earning assets0.5225%1,925
Net interest margin2.7664%5,412
Noninterest income to average assets1.2856%702
Noninterest expense to average assets3.1012%2,027
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6765%3,980
Return on assets (ROA)0.7180%3,895
Pretax return on assets0.7887%4,339
Return on Equity (ROE)6.6764%3,736
Retained earnings to average equity (ytd only)3.4972%3,798
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.7213%1,467
Assets per employee ($millions)4.4622%3,145
Cash dividends to net income (ytd only)*47.6190%2,005
Condition Ratios (%)
Loss allowance to loans0.6855%5,454
Loan loss allowance to noncurrent loans480.2632%1,102
Noncurrent assets plus other real estate owned to assets0.0655%5,181
Noncurrent loans to loans0.1427%4,769
Net loans and leases to total assets45.5808%5,115
Net loans and leases to deposits57.3180%4,916
Net loans and leases to core deposits68.4402%4,429
Total domestic deposits to total assets79.5227%4,615
Equity capital to assets11.1174%2,898
Core capital (leverage) ratio10.5971%2,881
Tier 1 risk-based capital ratio17.7610%1,988
Total risk-based capital ratio18.2902%2,171
Memoranda:
Average total assets$116,983,7504,072
Average earning assets$108,201,0004,065
Average equity$12,581,2504,198
Average total loans$51,064,5004,584
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2783%5,330
Cost of funding earning assets0.5433%1,755
Net interest margin2.7350%5,522
Noninterest income to average assets1.2565%718
Noninterest expense to average assets3.0979%2,070
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.6564%4,014
Return on assets (ROA)0.7212%3,848
Pretax return on assets0.7587%4,425
Return on Equity (ROE)6.7812%3,656
Retained earnings to average equity (ytd only)3.5750%3,617
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7732%1,296
Assets per employee ($millions)4.1917%3,586
Cash dividends to net income (ytd only)*47.2813%2,098
Condition Ratios (%)
Loss allowance to loans0.6973%5,528
Loan loss allowance to noncurrent loans1,460.0000%421
Noncurrent assets plus other real estate owned to assets0.0213%5,513
Noncurrent loans to loans0.0478%5,271
Net loans and leases to total assets44.2901%5,213
Net loans and leases to deposits55.8328%5,026
Net loans and leases to core deposits65.6272%4,639
Total domestic deposits to total assets79.3264%4,710
Equity capital to assets11.0457%3,012
Core capital (leverage) ratio10.4083%3,068
Tier 1 risk-based capital ratio17.4679%2,073
Total risk-based capital ratio17.9930%2,287
Memoranda:
Average total assets$117,306,3304,101
Average earning assets$108,591,3304,088
Average equity$12,475,6704,237
Average total loans$50,337,3304,635
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2643%5,387
Cost of funding earning assets0.5483%1,729
Net interest margin2.7160%5,593
Noninterest income to average assets0.9857%1,112
Noninterest expense to average assets3.1174%2,054
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.6003%4,171
Return on assets (ROA)0.6037%4,282
Pretax return on assets0.3888%5,331
Return on Equity (ROE)5.7883%4,084
Retained earnings to average equity (ytd only)2.5181%4,245
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9971%748
Assets per employee ($millions)4.1895%3,601
Cash dividends to net income (ytd only)*56.4972%1,541
Condition Ratios (%)
Loss allowance to loans0.7260%5,549
Loan loss allowance to noncurrent loans235.4839%1,974
Noncurrent assets plus other real estate owned to assets0.1321%5,049
Noncurrent loans to loans0.3083%4,322
Net loans and leases to total assets42.5472%5,323
Net loans and leases to deposits52.2837%5,210
Net loans and leases to core deposits61.4860%4,842
Total domestic deposits to total assets81.3776%4,384
Equity capital to assets10.5443%3,435
Core capital (leverage) ratio10.2467%3,263
Tier 1 risk-based capital ratio17.9240%2,006
Total risk-based capital ratio18.4693%2,174
Memoranda:
Average total assets$117,276,0004,135
Average earning assets$108,690,0004,112
Average equity$12,231,5004,293
Average total loans$49,332,5004,697
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2204%5,491
Cost of funding earning assets0.4708%2,433
Net interest margin2.7497%5,593
Noninterest income to average assets1.3501%661
Noninterest expense to average assets3.1897%1,991
Loan and lease loss provision to assets0.0305%3,760
Net operating income to assets0.5451%4,522
Return on assets (ROA)0.5596%4,554
Pretax return on assets0.6872%4,562
Return on Equity (ROE)5.2017%4,406
Retained earnings to average equity (ytd only)1.8619%4,667
Net charge-offs to loans0.0085%4,158
Credit loss provision to net charge-offs850.0000%405
Earnings coverage of net charge-offs (x)194.7500%343
Efficiency ratio82.0092%1,410
Assets per employee ($millions)4.1874%3,589
Cash dividends to net income (ytd only)*64.2055%1,526
Condition Ratios (%)
Loss allowance to loans0.7543%5,524
Loan loss allowance to noncurrent loans618.6441%895
Noncurrent assets plus other real estate owned to assets0.0503%5,477
Noncurrent loans to loans0.1219%5,005
Net loans and leases to total assets40.9605%5,465
Net loans and leases to deposits49.0597%5,436
Net loans and leases to core deposits54.2104%5,302
Total domestic deposits to total assets83.4913%3,677
Equity capital to assets10.3150%3,605
Core capital (leverage) ratio10.2707%3,189
Tier 1 risk-based capital ratio18.2627%1,893
Total risk-based capital ratio18.8219%2,055
Memoranda:
Average total assets$111,328,6004,236
Average earning assets$102,812,8004,213
Average equity$11,976,8004,311
Average total loans$46,825,4004,765
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2545%5,499
Cost of funding earning assets0.4503%2,682
Net interest margin2.8042%5,571
Noninterest income to average assets1.3703%656
Noninterest expense to average assets3.2347%1,870
Loan and lease loss provision to assets0.0413%3,384
Net operating income to assets0.5566%4,571
Return on assets (ROA)0.5765%4,585
Pretax return on assets0.7040%4,668
Return on Equity (ROE)5.3009%4,491
Retained earnings to average equity (ytd only)1.9530%4,903
Net charge-offs to loans0.0115%3,777
Credit loss provision to net charge-offs850.0000%423
Earnings coverage of net charge-offs (x)148.5891%472
Efficiency ratio81.7736%1,424
Assets per employee ($millions)3.9323%4,013
Cash dividends to net income (ytd only)*63.1576%1,292
Condition Ratios (%)
Loss allowance to loans0.7917%5,538
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets40.1063%5,587
Net loans and leases to deposits48.5799%5,531
Net loans and leases to core deposits53.3613%5,440
Total domestic deposits to total assets82.5574%3,964
Equity capital to assets10.6483%3,417
Core capital (leverage) ratio10.3980%3,167
Tier 1 risk-based capital ratio18.9486%1,786
Total risk-based capital ratio19.5311%1,923
Memoranda:
Average total assets$109,849,0004,307
Average earning assets$101,273,7504,298
Average equity$11,947,5004,365
Average total loans$46,434,2504,829
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2716%5,491
Cost of funding earning assets0.4069%3,200
Net interest margin2.8646%5,504
Noninterest income to average assets1.3554%668
Noninterest expense to average assets3.3139%1,659
Loan and lease loss provision to assets0.0627%2,861
Net operating income to assets0.6399%4,174
Return on assets (ROA)0.6657%4,155
Pretax return on assets0.6399%4,862
Return on Equity (ROE)6.0762%4,091
Retained earnings to average equity (ytd only)2.7099%4,337
Net charge-offs to loans0.0172%3,364
Credit loss provision to net charge-offs850.0000%411
Earnings coverage of net charge-offs (x)91.7500%637
Efficiency ratio83.0407%1,364
Assets per employee ($millions)3.7248%4,373
Cash dividends to net income (ytd only)*55.4017%1,721
Condition Ratios (%)
Loss allowance to loans0.7808%5,644
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets41.5083%5,535
Net loans and leases to deposits49.9634%5,507
Net loans and leases to core deposits54.9874%5,372
Total domestic deposits to total assets83.0774%3,918
Equity capital to assets10.6493%3,273
Core capital (leverage) ratio11.0361%2,389
Tier 1 risk-based capital ratio18.6970%1,873
Total risk-based capital ratio19.2725%2,015
Memoranda:
Average total assets$108,453,0004,370
Average earning assets$99,768,6704,376
Average equity$11,882,3304,402
Average total loans$46,545,3304,869
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3078%5,434
Cost of funding earning assets0.4114%3,176
Net interest margin2.8964%5,463
Noninterest income to average assets1.1572%853
Noninterest expense to average assets3.3780%1,535
Loan and lease loss provision to assets0.1124%1,838
Net operating income to assets0.6030%4,280
Return on assets (ROA)0.6030%4,374
Pretax return on assets0.3296%5,573
Return on Equity (ROE)5.4238%4,321
Retained earnings to average equity (ytd only)2.0550%4,648
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.4314%982
Assets per employee ($millions)3.6781%4,557
Cash dividends to net income (ytd only)*62.1118%1,373
Condition Ratios (%)
Loss allowance to loans0.7726%5,749
Loan loss allowance to noncurrent loans368.6869%1,314
Noncurrent assets plus other real estate owned to assets0.3431%4,629
Noncurrent loans to loans0.2096%5,032
Net loans and leases to total assets43.9493%5,352
Net loans and leases to deposits53.8134%5,207
Net loans and leases to core deposits55.8150%5,260
Total domestic deposits to total assets81.6699%4,618
Equity capital to assets11.2210%2,732
Core capital (leverage) ratio10.8119%2,611
Tier 1 risk-based capital ratio18.5149%2,001
Total risk-based capital ratio19.1027%2,141
Memoranda:
Average total assets$106,807,5004,442
Average earning assets$98,191,0004,448
Average equity$11,873,5004,432
Average total loans$46,444,0004,901
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4492%5,431
Cost of funding earning assets0.4437%3,230
Net interest margin3.0054%5,441
Noninterest income to average assets1.3099%714
Noninterest expense to average assets3.2086%2,188
Loan and lease loss provision to assets0.0415%3,749
Net operating income to assets0.6077%4,333
Return on assets (ROA)0.6455%4,263
Pretax return on assets0.8380%4,121
Return on Equity (ROE)5.9570%4,174
Retained earnings to average equity (ytd only)2.4734%4,469
Net charge-offs to loans0.0308%4,211
Credit loss provision to net charge-offs314.2857%829
Earnings coverage of net charge-offs (x)62.8571%763
Efficiency ratio79.4393%2,010
Assets per employee ($millions)3.8196%4,309
Cash dividends to net income (ytd only)*58.4795%1,825
Condition Ratios (%)
Loss allowance to loans0.7339%5,915
Loan loss allowance to noncurrent loans2,791.6667%252
Noncurrent assets plus other real estate owned to assets0.2609%4,983
Noncurrent loans to loans0.0263%5,782
Net loans and leases to total assets42.3651%5,590
Net loans and leases to deposits52.0997%5,472
Net loans and leases to core deposits53.8150%5,510
Total domestic deposits to total assets81.3154%4,649
Equity capital to assets11.0127%2,885
Core capital (leverage) ratio10.9071%2,488
Tier 1 risk-based capital ratio19.2534%1,780
Total risk-based capital ratio19.8060%1,944
Memoranda:
Average total assets$105,965,4004,458
Average earning assets$96,225,6004,501
Average equity$11,482,2004,460
Average total loans$45,468,0004,979
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5103%5,373
Cost of funding earning assets0.4471%3,288
Net interest margin3.0631%5,353
Noninterest income to average assets1.2120%828
Noninterest expense to average assets3.1794%2,241
Loan and lease loss provision to assets0.0568%3,237
Net operating income to assets0.5899%4,479
Return on assets (ROA)0.6218%4,439
Pretax return on assets0.7895%4,399
Return on Equity (ROE)5.7618%4,358
Retained earnings to average equity (ytd only)2.2556%4,931
Net charge-offs to loans0.0440%3,618
Credit loss provision to net charge-offs300.0000%905
Earnings coverage of net charge-offs (x)42.5990%1,083
Efficiency ratio79.7785%1,949
Assets per employee ($millions)3.6533%4,568
Cash dividends to net income (ytd only)*60.8516%1,344
Condition Ratios (%)
Loss allowance to loans0.7336%6,033
Loan loss allowance to noncurrent loans272.3577%1,671
Noncurrent assets plus other real estate owned to assets0.7712%3,506
Noncurrent loans to loans0.2693%5,109
Net loans and leases to total assets42.7882%5,612
Net loans and leases to deposits52.9827%5,462
Net loans and leases to core deposits54.7600%5,523
Total domestic deposits to total assets80.7589%4,897
Equity capital to assets10.9245%3,034
Core capital (leverage) ratio10.9368%2,549
Tier 1 risk-based capital ratio19.0794%1,888
Total risk-based capital ratio19.6313%2,057
Memoranda:
Average total assets$105,719,5004,505
Average earning assets$95,716,2504,554
Average equity$11,408,2504,504
Average total loans$45,424,0005,030
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5595%5,261
Cost of funding earning assets0.4510%3,319
Net interest margin3.1086%5,229
Noninterest income to average assets1.2362%768
Noninterest expense to average assets3.2051%2,178
Loan and lease loss provision to assets0.0852%2,603
Net operating income to assets0.5898%4,405
Return on assets (ROA)0.6437%4,232
Pretax return on assets0.8197%4,198
Return on Equity (ROE)5.9896%4,154
Retained earnings to average equity (ytd only)2.4663%4,638
Net charge-offs to loans0.0662%3,050
Credit loss provision to net charge-offs300.0000%849
Earnings coverage of net charge-offs (x)29.4667%1,268
Efficiency ratio79.2974%2,125
Assets per employee ($millions)3.5834%4,697
Cash dividends to net income (ytd only)*58.8235%1,562
Condition Ratios (%)
Loss allowance to loans0.7400%6,112
Loan loss allowance to noncurrent loans304.5455%1,504
Noncurrent assets plus other real estate owned to assets0.7737%3,652
Noncurrent loans to loans0.2430%5,271
Net loans and leases to total assets43.2408%5,585
Net loans and leases to deposits54.4436%5,323
Net loans and leases to core deposits55.9840%5,417
Total domestic deposits to total assets79.4232%5,360
Equity capital to assets11.1405%2,743
Core capital (leverage) ratio11.0900%2,341
Tier 1 risk-based capital ratio19.2526%1,866
Total risk-based capital ratio19.8122%2,004
Memoranda:
Average total assets$105,644,3304,543
Average earning assets$95,349,3304,601
Average equity$11,353,0004,529
Average total loans$45,343,0005,059
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5451%5,315
Cost of funding earning assets0.4546%3,384
Net interest margin3.0905%5,283
Noninterest income to average assets1.0966%929
Noninterest expense to average assets3.1059%2,512
Loan and lease loss provision to assets0.0638%2,846
Net operating income to assets0.6161%4,118
Return on assets (ROA)0.6422%4,076
Pretax return on assets0.7399%4,350
Return on Equity (ROE)6.0849%3,976
Retained earnings to average equity (ytd only)2.5265%4,550
Net charge-offs to loans0.0176%3,230
Credit loss provision to net charge-offs850.0000%356
Earnings coverage of net charge-offs (x)103.0000%445
Efficiency ratio80.0581%2,200
Assets per employee ($millions)3.6257%4,670
Cash dividends to net income (ytd only)*58.4795%1,455
Condition Ratios (%)
Loss allowance to loans0.7053%6,272
Loan loss allowance to noncurrent loans101.2658%3,579
Noncurrent assets plus other real estate owned to assets0.8084%3,718
Noncurrent loans to loans0.6965%4,124
Net loans and leases to total assets42.8475%5,602
Net loans and leases to deposits54.1224%5,270
Net loans and leases to core deposits55.2921%5,414
Total domestic deposits to total assets79.1678%5,661
Equity capital to assets10.8193%2,914
Core capital (leverage) ratio10.9087%2,478
Tier 1 risk-based capital ratio18.9987%1,973
Total risk-based capital ratio19.5293%2,143
Memoranda:
Average total assets$106,507,5004,571
Average earning assets$95,908,0004,633
Average equity$11,241,0004,562
Average total loans$45,379,5005,104
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3974%5,842
Cost of funding earning assets0.5071%3,536
Net interest margin2.8903%5,805
Noninterest income to average assets1.1825%1,014
Noninterest expense to average assets3.1049%2,718
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.4866%4,792
Return on assets (ROA)0.4973%4,882
Pretax return on assets0.6888%4,584
Return on Equity (ROE)4.6992%4,778
Retained earnings to average equity (ytd only)1.1858%5,295
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.1648%1,861
Assets per employee ($millions)3.5957%4,691
Cash dividends to net income (ytd only)*74.7664%1,114
Condition Ratios (%)
Loss allowance to loans0.6720%6,388
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5432%4,601
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets41.7929%5,837
Net loans and leases to deposits52.0956%5,615
Net loans and leases to core deposits53.5441%5,704
Total domestic deposits to total assets80.2234%5,391
Equity capital to assets10.2957%3,397
Core capital (leverage) ratio10.5271%2,884
Tier 1 risk-based capital ratio18.7386%1,997
Total risk-based capital ratio19.2406%2,218
Memoranda:
Average total assets$107,572,8004,557
Average earning assets$96,632,4004,600
Average equity$11,384,8004,561
Average total loans$44,514,4005,166
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3719%5,940
Cost of funding earning assets0.5203%3,564
Net interest margin2.8515%5,913
Noninterest income to average assets1.1944%1,032
Noninterest expense to average assets3.0449%2,838
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.5034%4,774
Return on assets (ROA)0.5122%4,901
Pretax return on assets0.7243%4,592
Return on Equity (ROE)4.8073%4,820
Retained earnings to average equity (ytd only)1.3153%5,456
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.0499%1,962
Assets per employee ($millions)3.6480%4,563
Cash dividends to net income (ytd only)*72.6396%996
Condition Ratios (%)
Loss allowance to loans0.6877%6,458
Loan loss allowance to noncurrent loans535.0877%838
Noncurrent assets plus other real estate owned to assets0.5586%4,778
Noncurrent loans to loans0.1285%5,935
Net loans and leases to total assets41.6341%5,922
Net loans and leases to deposits52.7826%5,647
Net loans and leases to core deposits54.3014%5,742
Total domestic deposits to total assets78.8786%5,766
Equity capital to assets10.7380%3,024
Core capital (leverage) ratio10.7420%2,737
Tier 1 risk-based capital ratio19.0045%1,991
Total risk-based capital ratio19.5148%2,189
Memoranda:
Average total assets$107,498,5004,604
Average earning assets$96,600,7504,656
Average equity$11,454,5004,598
Average total loans$44,296,2505,228
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4124%5,879
Cost of funding earning assets0.5329%3,575
Net interest margin2.8795%5,830
Noninterest income to average assets1.2714%955
Noninterest expense to average assets3.0518%2,831
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.5423%4,591
Return on assets (ROA)0.5423%4,760
Pretax return on assets0.7995%4,317
Return on Equity (ROE)5.1019%4,667
Retained earnings to average equity (ytd only)1.6194%5,215
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2407%2,268
Assets per employee ($millions)3.6509%4,520
Cash dividends to net income (ytd only)*68.2594%1,260
Condition Ratios (%)
Loss allowance to loans0.6719%6,533
Loan loss allowance to noncurrent loans535.0877%818
Noncurrent assets plus other real estate owned to assets0.5582%4,857
Noncurrent loans to loans0.1256%6,010
Net loans and leases to total assets42.5862%5,859
Net loans and leases to deposits55.0309%5,435
Net loans and leases to core deposits56.8244%5,538
Total domestic deposits to total assets77.3860%6,074
Equity capital to assets10.8040%2,940
Core capital (leverage) ratio10.7197%2,650
Tier 1 risk-based capital ratio18.9103%2,014
Total risk-based capital ratio19.4190%2,222
Memoranda:
Average total assets$108,067,0004,604
Average earning assets$96,824,0004,677
Average equity$11,486,0004,627
Average total loans$44,278,0005,254
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3963%5,952
Cost of funding earning assets0.5544%3,529
Net interest margin2.8419%5,936
Noninterest income to average assets1.3521%842
Noninterest expense to average assets2.9791%3,057
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.6339%4,061
Return on assets (ROA)0.6339%4,216
Pretax return on assets0.9087%3,723
Return on Equity (ROE)6.0124%4,044
Retained earnings to average equity (ytd only)2.5370%4,754
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6258%2,825
Assets per employee ($millions)3.8623%4,226
Cash dividends to net income (ytd only)*57.8035%1,355
Condition Ratios (%)
Loss allowance to loans0.6935%6,610
Loan loss allowance to noncurrent loans145.2381%2,449
Noncurrent assets plus other real estate owned to assets0.8942%4,149
Noncurrent loans to loans0.4775%5,228
Net loans and leases to total assets40.3832%5,969
Net loans and leases to deposits52.1955%5,597
Net loans and leases to core deposits53.8529%5,675
Total domestic deposits to total assets77.3691%6,209
Equity capital to assets10.6913%3,332
Core capital (leverage) ratio10.4893%2,792
Tier 1 risk-based capital ratio18.7452%2,110
Total risk-based capital ratio19.2504%2,331
Memoranda:
Average total assets$109,162,0004,627
Average earning assets$97,400,0004,706
Average equity$11,509,5004,671
Average total loans$43,720,0005,312
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7290%5,997
Cost of funding earning assets0.7862%2,770
Net interest margin2.9428%6,148
Noninterest income to average assets1.5983%622
Noninterest expense to average assets2.9162%3,575
Loan and lease loss provision to assets0.0341%5,461
Net operating income to assets0.9217%2,696
Return on assets (ROA)0.8982%3,066
Pretax return on assets1.2677%2,530
Return on Equity (ROE)8.4567%2,892
Retained earnings to average equity (ytd only)4.8885%2,774
Net charge-offs to loans0.0139%5,722
Credit loss provision to net charge-offs600.0000%404
Earnings coverage of net charge-offs (x)234.8333%179
Efficiency ratio68.5982%4,035
Assets per employee ($millions)3.9350%4,068
Cash dividends to net income (ytd only)*42.1941%2,738
Condition Ratios (%)
Loss allowance to loans0.7017%6,633
Loan loss allowance to noncurrent loans200.6579%1,836
Noncurrent assets plus other real estate owned to assets0.8867%4,272
Noncurrent loans to loans0.3497%5,610
Net loans and leases to total assets39.1704%6,220
Net loans and leases to deposits50.1243%5,945
Net loans and leases to core deposits51.6627%6,040
Total domestic deposits to total assets78.1467%6,057
Equity capital to assets10.3984%3,643
Core capital (leverage) ratio10.0400%3,349
Tier 1 risk-based capital ratio17.8652%2,309
Total risk-based capital ratio18.3597%2,569
Memoranda:
Average total assets$105,547,2004,690
Average earning assets$95,147,2004,718
Average equity$11,210,0004,719
Average total loans$43,126,6005,372
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8269%5,956
Cost of funding earning assets0.8514%2,526
Net interest margin2.9755%6,219
Noninterest income to average assets1.3679%795
Noninterest expense to average assets2.8585%3,754
Loan and lease loss provision to assets0.0460%5,199
Net operating income to assets0.8508%3,213
Return on assets (ROA)0.7676%3,868
Pretax return on assets1.0384%3,569
Return on Equity (ROE)7.1878%3,705
Retained earnings to average equity (ytd only)3.5998%4,344
Net charge-offs to loans0.0186%5,411
Credit loss provision to net charge-offs600.0000%442
Earnings coverage of net charge-offs (x)156.1625%282
Efficiency ratio70.4882%3,599
Assets per employee ($millions)3.9589%3,955
Cash dividends to net income (ytd only)*49.9170%1,695
Condition Ratios (%)
Loss allowance to loans0.6905%6,757
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6511%5,052
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets41.0353%6,196
Net loans and leases to deposits53.3847%5,857
Net loans and leases to core deposits55.0987%5,957
Total domestic deposits to total assets76.8671%6,256
Equity capital to assets10.6314%3,693
Core capital (leverage) ratio10.3462%3,110
Tier 1 risk-based capital ratio18.1641%2,276
Total risk-based capital ratio18.6667%2,540
Memoranda:
Average total assets$104,389,0004,763
Average earning assets$94,278,5004,789
Average equity$11,148,2504,776
Average total loans$43,042,5005,436
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8758%5,968
Cost of funding earning assets0.9566%2,020
Net interest margin2.9192%6,396
Noninterest income to average assets1.3404%796
Noninterest expense to average assets2.9260%3,521
Loan and lease loss provision to assets0.0695%4,760
Net operating income to assets0.7868%3,443
Return on assets (ROA)0.6509%4,363
Pretax return on assets0.8092%4,446
Return on Equity (ROE)6.0850%4,285
Retained earnings to average equity (ytd only)2.4737%4,951
Net charge-offs to loans0.0281%4,984
Credit loss provision to net charge-offs600.0000%520
Earnings coverage of net charge-offs (x)90.5000%463
Efficiency ratio73.6152%3,141
Assets per employee ($millions)3.6805%4,559
Cash dividends to net income (ytd only)*59.3472%1,393
Condition Ratios (%)
Loss allowance to loans0.7146%6,810
Loan loss allowance to noncurrent loans6,100.0000%105
Noncurrent assets plus other real estate owned to assets0.6802%5,070
Noncurrent loans to loans0.0117%6,671
Net loans and leases to total assets41.1216%6,260
Net loans and leases to deposits54.7960%5,791
Net loans and leases to core deposits56.6484%5,892
Total domestic deposits to total assets75.0449%6,586
Equity capital to assets10.8051%3,333
Core capital (leverage) ratio10.4936%2,809
Tier 1 risk-based capital ratio17.9001%2,326
Total risk-based capital ratio18.4028%2,569
Memoranda:
Average total assets$103,555,0004,813
Average earning assets$93,451,3304,833
Average equity$11,076,3304,793
Average total loans$42,667,3305,482
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9808%5,827
Cost of funding earning assets1.1588%1,146
Net interest margin2.8221%6,600
Noninterest income to average assets1.3140%828
Noninterest expense to average assets2.9440%3,466
Loan and lease loss provision to assets0.0809%4,381
Net operating income to assets0.7094%3,842
Return on assets (ROA)0.6242%4,448
Pretax return on assets0.7321%4,681
Return on Equity (ROE)5.8658%4,361
Retained earnings to average equity (ytd only)2.2450%5,134
Net charge-offs to loans0.0563%3,936
Credit loss provision to net charge-offs350.0000%869
Earnings coverage of net charge-offs (x)39.5000%758
Efficiency ratio76.3237%2,742
Assets per employee ($millions)3.8199%4,381
Cash dividends to net income (ytd only)*61.7284%1,163
Condition Ratios (%)
Loss allowance to loans0.6813%6,898
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6855%5,187
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets40.9892%6,265
Net loans and leases to deposits54.9269%5,713
Net loans and leases to core deposits56.7838%5,839
Total domestic deposits to total assets74.6250%6,687
Equity capital to assets10.7110%3,253
Core capital (leverage) ratio10.4159%2,852
Tier 1 risk-based capital ratio17.9435%2,313
Total risk-based capital ratio18.4259%2,574
Memoranda:
Average total assets$103,806,0004,839
Average earning assets$93,548,5004,861
Average equity$11,047,0004,818
Average total loans$42,660,0005,523
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2053%6,033
Cost of funding earning assets1.4024%1,028
Net interest margin2.8028%6,821
Noninterest income to average assets1.5100%574
Noninterest expense to average assets2.8115%4,303
Loan and lease loss provision to assets0.0704%5,739
Net operating income to assets0.8188%2,960
Return on assets (ROA)0.7287%3,515
Pretax return on assets1.0348%3,103
Return on Equity (ROE)7.2637%3,269
Retained earnings to average equity (ytd only)2.7707%4,262
Net charge-offs to loans0.0577%5,729
Credit loss provision to net charge-offs288.4615%821
Earnings coverage of net charge-offs (x)50.5385%552
Efficiency ratio68.7094%4,207
Assets per employee ($millions)3.8694%4,160
Cash dividends to net income (ytd only)*61.8557%1,479
Condition Ratios (%)
Loss allowance to loans0.6432%6,972
Loan loss allowance to noncurrent loans98.9209%3,076
Noncurrent assets plus other real estate owned to assets1.0452%4,520
Noncurrent loans to loans0.6502%5,405
Net loans and leases to total assets40.6604%6,497
Net loans and leases to deposits54.7303%6,000
Net loans and leases to core deposits56.4841%6,124
Total domestic deposits to total assets74.2924%6,688
Equity capital to assets10.5738%3,447
Core capital (leverage) ratio10.3154%2,953
Tier 1 risk-based capital ratio19.7592%1,695
Total risk-based capital ratio20.3656%1,829
Memoranda:
Average total assets$106,491,0004,720
Average earning assets$96,331,8004,737
Average equity$10,683,2004,862
Average total loans$45,060,8005,468
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2330%6,132
Cost of funding earning assets1.4670%962
Net interest margin2.7660%6,926
Noninterest income to average assets1.4542%616
Noninterest expense to average assets2.7290%4,620
Loan and lease loss provision to assets0.0810%5,430
Net operating income to assets0.8291%3,028
Return on assets (ROA)0.7726%3,452
Pretax return on assets1.0679%3,139
Return on Equity (ROE)7.8043%3,133
Retained earnings to average equity (ytd only)3.0210%4,533
Net charge-offs to loans0.0760%5,202
Credit loss provision to net charge-offs250.0000%1,141
Earnings coverage of net charge-offs (x)37.8800%800
Efficiency ratio68.1575%4,287
Assets per employee ($millions)3.8739%4,135
Cash dividends to net income (ytd only)*61.2895%1,145
Condition Ratios (%)
Loss allowance to loans0.6033%7,078
Loan loss allowance to noncurrent loans304.5977%1,013
Noncurrent assets plus other real estate owned to assets0.7515%5,279
Noncurrent loans to loans0.1981%6,474
Net loans and leases to total assets41.7395%6,517
Net loans and leases to deposits56.5227%5,980
Net loans and leases to core deposits58.5379%6,087
Total domestic deposits to total assets73.8455%6,779
Equity capital to assets10.4691%3,747
Core capital (leverage) ratio10.2320%3,152
Tier 1 risk-based capital ratio19.4335%1,831
Total risk-based capital ratio20.0000%1,973
Memoranda:
Average total assets$106,995,0004,736
Average earning assets$96,792,7504,747
Average equity$10,592,2504,897
Average total loans$45,637,2505,487
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2758%6,090
Cost of funding earning assets1.5313%890
Net interest margin2.7445%6,980
Noninterest income to average assets1.5270%547
Noninterest expense to average assets2.7459%4,640
Loan and lease loss provision to assets0.1095%4,931
Net operating income to assets0.8825%2,725
Return on assets (ROA)0.8182%3,110
Pretax return on assets1.0687%2,971
Return on Equity (ROE)8.4217%2,754
Retained earnings to average equity (ytd only)3.0746%4,314
Net charge-offs to loans0.1039%4,647
Credit loss provision to net charge-offs245.8333%1,234
Earnings coverage of net charge-offs (x)28.3333%964
Efficiency ratio67.6852%4,573
Assets per employee ($millions)3.8976%3,996
Cash dividends to net income (ytd only)*63.4921%1,241
Condition Ratios (%)
Loss allowance to loans0.5899%7,151
Loan loss allowance to noncurrent loans162.5767%1,833
Noncurrent assets plus other real estate owned to assets0.7488%5,411
Noncurrent loans to loans0.3628%6,179
Net loans and leases to total assets42.4379%6,564
Net loans and leases to deposits58.0143%5,937
Net loans and leases to core deposits60.7123%6,035
Total domestic deposits to total assets73.1508%6,910
Equity capital to assets10.2132%3,867
Core capital (leverage) ratio10.0759%3,169
Tier 1 risk-based capital ratio19.5392%1,707
Total risk-based capital ratio20.1030%1,859
Memoranda:
Average total assets$107,795,3304,763
Average earning assets$97,431,6704,776
Average equity$10,473,0004,933
Average total loans$46,209,0005,515
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2173%6,244
Cost of funding earning assets1.5972%825
Net interest margin2.6202%7,107
Noninterest income to average assets1.1588%964
Noninterest expense to average assets2.7614%4,596
Loan and lease loss provision to assets0.1284%4,389
Net operating income to assets0.5941%4,061
Return on assets (ROA)0.5941%4,133
Pretax return on assets0.6454%4,509
Return on Equity (ROE)6.2697%3,744
Retained earnings to average equity (ytd only)-1.4707%6,066
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1784%2,956
Assets per employee ($millions)4.1510%3,538
Cash dividends to net income (ytd only)*123.4568%443
Condition Ratios (%)
Loss allowance to loans0.5756%7,229
Loan loss allowance to noncurrent loans120.4545%2,418
Noncurrent assets plus other real estate owned to assets1.4556%4,080
Noncurrent loans to loans0.4779%6,062
Net loans and leases to total assets42.4124%6,585
Net loans and leases to deposits57.5600%5,969
Net loans and leases to core deposits60.1799%6,080
Total domestic deposits to total assets73.6838%6,929
Equity capital to assets9.5436%4,377
Core capital (leverage) ratio9.5980%3,663
Tier 1 risk-based capital ratio18.4780%1,964
Total risk-based capital ratio19.0135%2,161
Memoranda:
Average total assets$109,075,0004,761
Average earning assets$98,925,5004,769
Average equity$10,335,5004,958
Average total loans$46,851,0005,530
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7705%5,529
Cost of funding earning assets1.8786%916
Net interest margin2.8919%6,906
Noninterest income to average assets1.0052%1,487
Noninterest expense to average assets2.6976%4,998
Loan and lease loss provision to assets0.2986%4,414
Net operating income to assets0.5003%4,094
Return on assets (ROA)0.2532%5,251
Pretax return on assets0.3107%5,205
Return on Equity (ROE)2.7143%5,083
Retained earnings to average equity (ytd only)0.4872%5,339
Net charge-offs to loans0.5855%3,280
Credit loss provision to net charge-offs103.2051%4,369
Earnings coverage of net charge-offs (x)3.1603%3,487
Efficiency ratio74.0180%3,394
Assets per employee ($millions)4.2394%3,308
Cash dividends to net income (ytd only)*82.0513%789
Condition Ratios (%)
Loss allowance to loans0.4826%7,370
Loan loss allowance to noncurrent loans43.8931%5,393
Noncurrent assets plus other real estate owned to assets1.2366%4,547
Noncurrent loans to loans1.0994%4,903
Net loans and leases to total assets43.0333%6,786
Net loans and leases to deposits58.8681%6,169
Net loans and leases to core deposits64.2036%6,034
Total domestic deposits to total assets73.1011%6,990
Equity capital to assets9.4090%4,534
Core capital (leverage) ratio7.9934%6,213
Tier 1 risk-based capital ratio14.2551%3,713
Total risk-based capital ratio14.6915%4,228
Memoranda:
Average total assets$107,834,8004,779
Average earning assets$97,201,0004,800
Average equity$10,057,8005,113
Average total loans$53,287,8005,343
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9088%5,221
Cost of funding earning assets1.9087%1,005
Net interest margin3.0001%6,830
Noninterest income to average assets0.9748%1,538
Noninterest expense to average assets2.6458%5,132
Loan and lease loss provision to assets0.3991%3,513
Net operating income to assets0.5210%4,216
Return on assets (ROA)0.1815%5,729
Pretax return on assets0.2176%5,691
Return on Equity (ROE)1.9506%5,626
Retained earnings to average equity (ytd only)-0.5211%5,926
Net charge-offs to loans0.7581%2,526
Credit loss provision to net charge-offs103.2154%4,160
Earnings coverage of net charge-offs (x)2.6527%3,827
Efficiency ratio71.4528%3,808
Assets per employee ($millions)4.5593%2,820
Cash dividends to net income (ytd only)*126.7132%189
Condition Ratios (%)
Loss allowance to loans0.4460%7,496
Loan loss allowance to noncurrent loans44.4015%5,312
Noncurrent assets plus other real estate owned to assets2.3021%3,076
Noncurrent loans to loans1.0045%5,227
Net loans and leases to total assets46.9148%6,622
Net loans and leases to deposits65.4504%5,729
Net loans and leases to core deposits71.4767%5,575
Total domestic deposits to total assets71.6799%7,165
Equity capital to assets9.3398%5,065
Core capital (leverage) ratio8.0286%6,302
Tier 1 risk-based capital ratio14.1038%3,763
Total risk-based capital ratio14.5258%4,335
Memoranda:
Average total assets$107,237,5004,856
Average earning assets$96,396,0004,878
Average equity$9,979,5005,201
Average total loans$54,694,0005,361
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9544%5,161
Cost of funding earning assets1.9242%1,137
Net interest margin3.0302%6,769
Noninterest income to average assets0.7943%2,146
Noninterest expense to average assets2.6833%4,977
Loan and lease loss provision to assets0.6046%2,372
Net operating income to assets0.2083%5,533
Return on assets (ROA)-0.1258%6,333
Pretax return on assets-0.2892%6,419
Return on Equity (ROE)-1.3536%6,363
Retained earnings to average equity (ytd only)-3.9801%6,436
Net charge-offs to loans1.1196%1,696
Credit loss provision to net charge-offs103.2051%3,949
Earnings coverage of net charge-offs (x)1.4295%4,415
Efficiency ratio75.6267%3,136
Assets per employee ($millions)4.1099%3,565
Cash dividends to net income (ytd only)*-194.0299%7,801
Condition Ratios (%)
Loss allowance to loans0.4211%7,586
Loan loss allowance to noncurrent loans30.7076%6,315
Noncurrent assets plus other real estate owned to assets2.2039%3,254
Noncurrent loans to loans1.3714%4,651
Net loans and leases to total assets50.8937%6,320
Net loans and leases to deposits71.8776%5,011
Net loans and leases to core deposits78.3112%4,890
Total domestic deposits to total assets70.8061%7,275
Equity capital to assets9.3910%4,875
Core capital (leverage) ratio8.0952%6,127
Tier 1 risk-based capital ratio13.9987%3,736
Total risk-based capital ratio14.4169%4,268
Memoranda:
Average total assets$106,508,6704,900
Average earning assets$95,834,0004,931
Average equity$9,899,3305,232
Average total loans$55,736,6705,357
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9778%5,128
Cost of funding earning assets1.9560%1,226
Net interest margin3.0218%6,778
Noninterest income to average assets0.8050%1,997
Noninterest expense to average assets2.7573%4,663
Loan and lease loss provision to assets0.0376%6,298
Net operating income to assets0.4979%4,399
Return on assets (ROA)0.2370%5,668
Pretax return on assets0.3461%5,472
Return on Equity (ROE)2.5632%5,531
Retained earnings to average equity (ytd only)-0.0814%5,853
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5880%2,963
Assets per employee ($millions)4.2134%3,438
Cash dividends to net income (ytd only)*103.1746%551
Condition Ratios (%)
Loss allowance to loans0.4131%7,683
Loan loss allowance to noncurrent loans62.1622%4,264
Noncurrent assets plus other real estate owned to assets1.7820%3,814
Noncurrent loans to loans0.6645%5,997
Net loans and leases to total assets52.6392%6,203
Net loans and leases to deposits75.6150%4,475
Net loans and leases to core deposits82.5817%4,409
Total domestic deposits to total assets69.6147%7,433
Equity capital to assets9.4376%4,634
Core capital (leverage) ratio8.4270%5,506
Tier 1 risk-based capital ratio14.0594%3,618
Total risk-based capital ratio14.4656%4,151
Memoranda:
Average total assets$106,334,0004,972
Average earning assets$95,705,5005,000
Average equity$9,831,5005,288
Average total loans$56,298,0005,409
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4110%4,648
Cost of funding earning assets2.3449%1,477
Net interest margin3.0661%6,478
Noninterest income to average assets0.7547%2,650
Noninterest expense to average assets2.6139%5,744
Loan and lease loss provision to assets0.0356%7,182
Net operating income to assets0.5902%3,365
Return on assets (ROA)0.6085%3,367
Pretax return on assets0.8989%2,926
Return on Equity (ROE)7.1277%2,745
Retained earnings to average equity (ytd only)4.2001%2,280
Net charge-offs to loans0.0297%6,834
Credit loss provision to net charge-offs217.6471%1,746
Earnings coverage of net charge-offs (x)55.5294%477
Efficiency ratio73.8193%3,934
Assets per employee ($millions)4.2934%3,275
Cash dividends to net income (ytd only)*41.0742%2,884
Condition Ratios (%)
Loss allowance to loans0.3865%7,769
Loan loss allowance to noncurrent loans21.5898%6,978
Noncurrent assets plus other real estate owned to assets1.0621%4,976
Noncurrent loans to loans1.7903%3,956
Net loans and leases to total assets52.8248%6,325
Net loans and leases to deposits76.0887%4,731
Net loans and leases to core deposits93.7794%4,695
Total domestic deposits to total assets69.4253%7,468
Equity capital to assets9.0577%5,052
Core capital (leverage) ratio8.2652%5,690
Tier 1 risk-based capital ratio13.5161%3,810
Total risk-based capital ratio13.8888%4,348
Memoranda:
Average total assets$104,019,6004,984
Average earning assets$93,865,2005,012
Average equity$8,880,8005,643
Average total loans$57,302,2005,371
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5331%4,254
Cost of funding earning assets2.4356%1,506
Net interest margin3.0975%6,319
Noninterest income to average assets0.7933%2,467
Noninterest expense to average assets2.6190%5,649
Loan and lease loss provision to assets0.0284%7,067
Net operating income to assets0.6643%3,340
Return on assets (ROA)0.6900%3,300
Pretax return on assets0.9755%2,974
Return on Equity (ROE)8.2115%2,555
Retained earnings to average equity (ytd only)5.2130%2,363
Net charge-offs to loans0.0047%6,910
Credit loss provision to net charge-offs1,100.0000%345
Earnings coverage of net charge-offs (x)374.0225%99
Efficiency ratio72.6225%4,123
Assets per employee ($millions)4.3119%3,189
Cash dividends to net income (ytd only)*36.5165%2,603
Condition Ratios (%)
Loss allowance to loans0.3934%7,825
Loan loss allowance to noncurrent loans64.5161%4,103
Noncurrent assets plus other real estate owned to assets0.6855%5,772
Noncurrent loans to loans0.6097%6,087
Net loans and leases to total assets51.6781%6,633
Net loans and leases to deposits75.2110%5,177
Net loans and leases to core deposits94.4091%4,982
Total domestic deposits to total assets68.7109%7,513
Equity capital to assets8.8861%5,654
Core capital (leverage) ratio9.4898%3,922
Tier 1 risk-based capital ratio16.6983%2,362
Total risk-based capital ratio17.0816%2,628
Memoranda:
Average total assets$103,191,0005,039
Average earning assets$93,062,2505,071
Average equity$8,670,5005,763
Average total loans$57,398,0005,407
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6890%3,605
Cost of funding earning assets2.5503%1,449
Net interest margin3.1387%6,133
Noninterest income to average assets0.7988%2,418
Noninterest expense to average assets2.6501%5,560
Loan and lease loss provision to assets0.0433%6,800
Net operating income to assets0.6613%3,423
Return on assets (ROA)0.7004%3,363
Pretax return on assets0.9837%3,073
Return on Equity (ROE)8.5089%2,566
Retained earnings to average equity (ytd only)5.4017%2,293
Net charge-offs to loans0.0069%6,497
Credit loss provision to net charge-offs1,100.0000%445
Earnings coverage of net charge-offs (x)247.0000%164
Efficiency ratio72.7865%4,248
Assets per employee ($millions)4.3770%2,975
Cash dividends to net income (ytd only)*36.5169%2,584
Condition Ratios (%)
Loss allowance to loans0.3933%7,903
Loan loss allowance to noncurrent loans34.0557%6,185
Noncurrent assets plus other real estate owned to assets0.6540%5,776
Noncurrent loans to loans1.1548%4,905
Net loans and leases to total assets53.0434%6,563
Net loans and leases to deposits77.7401%4,916
Net loans and leases to core deposits101.5639%4,334
Total domestic deposits to total assets68.2317%7,604
Equity capital to assets8.2819%6,367
Core capital (leverage) ratio9.5672%3,791
Tier 1 risk-based capital ratio16.3921%2,484
Total risk-based capital ratio16.7692%2,735
Memoranda:
Average total assets$101,655,3305,117
Average earning assets$91,439,0005,148
Average equity$8,367,6705,892
Average total loans$57,888,0005,426
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9361%2,622
Cost of funding earning assets2.6710%1,341
Net interest margin3.2651%5,638
Noninterest income to average assets0.7483%2,611
Noninterest expense to average assets2.6171%5,380
Loan and lease loss provision to assets0.0400%6,465
Net operating income to assets0.7139%3,485
Return on assets (ROA)0.7923%3,324
Pretax return on assets1.1285%2,877
Return on Equity (ROE)9.6568%2,467
Retained earnings to average equity (ytd only)6.4866%2,420
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8061%4,413
Assets per employee ($millions)3.9290%3,812
Cash dividends to net income (ytd only)*32.8283%2,251
Condition Ratios (%)
Loss allowance to loans0.3602%7,992
Loan loss allowance to noncurrent loans40.4624%5,844
Noncurrent assets plus other real estate owned to assets0.5404%5,861
Noncurrent loans to loans0.8901%5,222
Net loans and leases to total assets56.8745%6,116
Net loans and leases to deposits84.9997%3,824
Net loans and leases to core deposits106.5763%3,839
Total domestic deposits to total assets66.9114%7,674
Equity capital to assets7.9459%6,889
Core capital (leverage) ratio9.5933%3,875
Tier 1 risk-based capital ratio15.9818%2,695
Total risk-based capital ratio16.3343%2,969
Memoranda:
Average total assets$99,959,0005,183
Average earning assets$89,553,5005,238
Average equity$8,201,5005,988
Average total loans$58,861,5005,410
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3038%3,944
Cost of funding earning assets3.1246%1,436
Net interest margin3.1791%6,429
Noninterest income to average assets0.2934%6,360
Noninterest expense to average assets2.5281%5,898
Loan and lease loss provision to assets0.5284%2,698
Net operating income to assets0.1608%5,955
Return on assets (ROA)0.1900%5,699
Pretax return on assets0.1295%5,883
Return on Equity (ROE)2.0715%5,596
Retained earnings to average equity (ytd only)-2.7089%6,038
Net charge-offs to loans0.0035%6,957
Credit loss provision to net charge-offs25,300.0000%22
Earnings coverage of net charge-offs (x)301.0000%159
Efficiency ratio79.3583%2,696
Assets per employee ($millions)3.7602%4,038
Cash dividends to net income (ytd only)*230.7692%275
Condition Ratios (%)
Loss allowance to loans0.3366%8,052
Loan loss allowance to noncurrent loans392.1569%1,056
Noncurrent assets plus other real estate owned to assets0.0982%7,186
Noncurrent loans to loans0.0858%7,164
Net loans and leases to total assets60.5677%5,828
Net loans and leases to deposits99.7860%1,851
Net loans and leases to core deposits120.8918%2,613
Total domestic deposits to total assets60.6976%7,938
Equity capital to assets8.4754%6,126
Core capital (leverage) ratio9.9237%3,520
Tier 1 risk-based capital ratio16.1477%2,607
Total risk-based capital ratio16.4918%2,871
Memoranda:
Average total assets$95,765,2005,178
Average earning assets$86,249,8005,223
Average equity$8,785,8005,813
Average total loans$57,353,8005,391