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Progressive Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0507%5,343
Cost of funding earning assets0.2952%4,386
Net interest margin2.7555%5,204
Noninterest income to average assets0.2761%4,320
Noninterest expense to average assets2.3530%4,058
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.4488%4,815
Return on assets (ROA)0.4368%4,852
Pretax return on assets0.4761%4,907
Return on Equity (ROE)4.7885%4,553
Retained earnings to average equity (ytd only)-2.0615%5,013
Net charge-offs to loans-0.0040%3,936
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.7889%880
Assets per employee ($millions)3.9327%4,095
Cash dividends to net income (ytd only)*143.0518%330
Condition Ratios (%)
Loss allowance to loans1.8035%783
Loan loss allowance to noncurrent loans72.2970%3,984
Noncurrent assets plus other real estate owned to assets1.0298%1,525
Noncurrent loans to loans2.4945%549
Net loans and leases to total assets28.5271%5,398
Net loans and leases to deposits34.0242%5,393
Net loans and leases to core deposits34.4942%5,411
Total domestic deposits to total assets83.8437%3,391
Equity capital to assets8.7131%4,814
Core capital (leverage) ratio9.2465%4,384
Tier 1 risk-based capital ratio21.8090%1,081
Total risk-based capital ratio23.0588%1,060
Memoranda:
Average total assets$336,080,5001,994
Average earning assets$312,978,0001,987
Average equity$30,657,0002,323
Average total loans$99,619,5003,365
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0874%5,302
Cost of funding earning assets0.2949%4,193
Net interest margin2.7924%5,175
Noninterest income to average assets0.2600%4,578
Noninterest expense to average assets2.3722%4,151
Loan and lease loss provision to assets0.3144%538
Net operating income to assets0.0768%5,280
Return on assets (ROA)0.0775%5,286
Pretax return on assets0.1690%5,337
Return on Equity (ROE)0.8059%5,266
Retained earnings to average equity (ytd only)-4.2181%5,406
Net charge-offs to loans1.1080%153
Credit loss provision to net charge-offs97.6385%2,648
Earnings coverage of net charge-offs (x)1.4977%3,881
Efficiency ratio83.1045%848
Assets per employee ($millions)3.6697%4,482
Cash dividends to net income (ytd only)*623.3962%15
Condition Ratios (%)
Loss allowance to loans1.7537%851
Loan loss allowance to noncurrent loans71.6134%4,063
Noncurrent assets plus other real estate owned to assets1.0496%1,455
Noncurrent loans to loans2.4489%556
Net loans and leases to total assets29.7093%5,440
Net loans and leases to deposits35.3148%5,442
Net loans and leases to core deposits35.8066%5,461
Total domestic deposits to total assets84.1271%3,159
Equity capital to assets9.5360%4,203
Core capital (leverage) ratio9.1380%4,477
Tier 1 risk-based capital ratio21.1209%1,131
Total risk-based capital ratio22.3279%1,107
Memoranda:
Average total assets$341,913,4001,952
Average earning assets$317,683,0001,946
Average equity$32,881,8002,172
Average total loans$99,371,6003,362
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0831%5,353
Cost of funding earning assets0.2931%4,198
Net interest margin2.7900%5,236
Noninterest income to average assets0.2857%4,480
Noninterest expense to average assets2.3847%4,059
Loan and lease loss provision to assets0.4168%320
Net operating income to assets0.1601%5,391
Return on assets (ROA)0.1617%5,398
Pretax return on assets0.0768%5,470
Return on Equity (ROE)1.6777%5,351
Retained earnings to average equity (ytd only)-2.5828%5,460
Net charge-offs to loans1.4833%106
Credit loss provision to net charge-offs97.6385%2,350
Earnings coverage of net charge-offs (x)1.1526%3,595
Efficiency ratio82.8976%847
Assets per employee ($millions)3.8509%4,232
Cash dividends to net income (ytd only)*253.9542%49
Condition Ratios (%)
Loss allowance to loans1.7493%945
Loan loss allowance to noncurrent loans78.6761%3,946
Noncurrent assets plus other real estate owned to assets1.0842%1,538
Noncurrent loans to loans2.2234%733
Net loans and leases to total assets29.0231%5,519
Net loans and leases to deposits34.8487%5,513
Net loans and leases to core deposits35.3261%5,534
Total domestic deposits to total assets83.2833%3,365
Equity capital to assets9.7424%4,205
Core capital (leverage) ratio9.0731%4,662
Tier 1 risk-based capital ratio20.9323%1,208
Total risk-based capital ratio22.1091%1,187
Memoranda:
Average total assets$343,905,2501,955
Average earning assets$319,368,2501,952
Average equity$33,141,0002,183
Average total loans$98,968,5003,398
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1002%5,344
Cost of funding earning assets0.2956%4,127
Net interest margin2.8046%5,235
Noninterest income to average assets0.2980%4,403
Noninterest expense to average assets2.4252%3,981
Loan and lease loss provision to assets0.6245%179
Net operating income to assets0.0267%5,540
Return on assets (ROA)0.0267%5,542
Pretax return on assets-0.1499%5,597
Return on Equity (ROE)0.2783%5,538
Retained earnings to average equity (ytd only)-3.8901%5,481
Net charge-offs to loans2.2340%69
Credit loss provision to net charge-offs97.9945%2,056
Earnings coverage of net charge-offs (x)0.7448%3,349
Efficiency ratio83.6338%872
Assets per employee ($millions)3.9054%4,125
Cash dividends to net income (ytd only)*1,497.8261%3
Condition Ratios (%)
Loss allowance to loans1.7715%941
Loan loss allowance to noncurrent loans76.1476%4,049
Noncurrent assets plus other real estate owned to assets1.0681%1,638
Noncurrent loans to loans2.3264%681
Net loans and leases to total assets27.6941%5,575
Net loans and leases to deposits32.7695%5,596
Net loans and leases to core deposits33.2570%5,610
Total domestic deposits to total assets84.5116%3,004
Equity capital to assets9.3386%4,576
Core capital (leverage) ratio8.7065%5,041
Tier 1 risk-based capital ratio20.8584%1,215
Total risk-based capital ratio22.0338%1,199
Memoranda:
Average total assets$344,297,0001,954
Average earning assets$319,403,3301,956
Average equity$33,058,0002,185
Average total loans$98,210,6703,425
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0401%5,423
Cost of funding earning assets0.3045%3,999
Net interest margin2.7356%5,342
Noninterest income to average assets0.2893%4,483
Noninterest expense to average assets2.4407%3,995
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.3649%5,039
Return on assets (ROA)0.3649%5,058
Pretax return on assets0.3838%5,191
Return on Equity (ROE)3.7463%4,868
Retained earnings to average equity (ytd only)-0.4365%4,985
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4130%771
Assets per employee ($millions)3.7242%4,458
Cash dividends to net income (ytd only)*111.6505%603
Condition Ratios (%)
Loss allowance to loans1.8461%877
Loan loss allowance to noncurrent loans97.7162%3,656
Noncurrent assets plus other real estate owned to assets0.9874%1,854
Noncurrent loans to loans1.8892%969
Net loans and leases to total assets27.8863%5,631
Net loans and leases to deposits33.4925%5,624
Net loans and leases to core deposits34.0170%5,645
Total domestic deposits to total assets83.2612%3,746
Equity capital to assets9.6753%4,093
Core capital (leverage) ratio9.4645%4,156
Tier 1 risk-based capital ratio21.3801%1,162
Total risk-based capital ratio22.5779%1,152
Memoranda:
Average total assets$338,748,5001,999
Average earning assets$313,933,5002,003
Average equity$32,992,5002,198
Average total loans$97,217,0003,461
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8828%5,591
Cost of funding earning assets0.3738%3,278
Net interest margin2.5089%5,583
Noninterest income to average assets0.2803%4,733
Noninterest expense to average assets2.4266%4,218
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.1745%5,458
Return on assets (ROA)0.4554%4,860
Pretax return on assets0.5205%4,984
Return on Equity (ROE)4.3272%4,724
Retained earnings to average equity (ytd only)0.4876%5,133
Net charge-offs to loans0.0010%4,250
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)674.0000%118
Efficiency ratio92.4684%444
Assets per employee ($millions)3.6008%4,607
Cash dividends to net income (ytd only)*88.7315%624
Condition Ratios (%)
Loss allowance to loans1.8508%872
Loan loss allowance to noncurrent loans92.3907%3,793
Noncurrent assets plus other real estate owned to assets0.8890%2,130
Noncurrent loans to loans2.0033%901
Net loans and leases to total assets28.4571%5,670
Net loans and leases to deposits34.5587%5,666
Net loans and leases to core deposits35.1192%5,693
Total domestic deposits to total assets82.3441%3,979
Equity capital to assets9.8052%3,935
Core capital (leverage) ratio9.5539%4,020
Tier 1 risk-based capital ratio22.0163%1,081
Total risk-based capital ratio23.2473%1,058
Memoranda:
Average total assets$341,008,6001,945
Average earning assets$318,582,4001,926
Average equity$35,889,4002,029
Average total loans$97,426,8003,434
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8695%5,680
Cost of funding earning assets0.3862%3,163
Net interest margin2.4833%5,665
Noninterest income to average assets0.2822%4,746
Noninterest expense to average assets2.4098%4,257
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.1744%5,509
Return on assets (ROA)0.5473%4,614
Pretax return on assets0.6259%4,810
Return on Equity (ROE)5.1145%4,466
Retained earnings to average equity (ytd only)1.3532%4,972
Net charge-offs to loans0.0055%3,717
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)126.8255%546
Efficiency ratio92.4306%448
Assets per employee ($millions)3.7055%4,457
Cash dividends to net income (ytd only)*73.5418%929
Condition Ratios (%)
Loss allowance to loans1.8418%937
Loan loss allowance to noncurrent loans66.7908%4,344
Noncurrent assets plus other real estate owned to assets0.8090%2,517
Noncurrent loans to loans2.7576%590
Net loans and leases to total assets28.0458%5,755
Net loans and leases to deposits34.7431%5,746
Net loans and leases to core deposits35.3068%5,762
Total domestic deposits to total assets80.7232%4,315
Equity capital to assets10.8660%3,179
Core capital (leverage) ratio9.7135%3,919
Tier 1 risk-based capital ratio22.8615%1,018
Total risk-based capital ratio24.1160%1,004
Memoranda:
Average total assets$342,542,5001,936
Average earning assets$320,694,2501,923
Average equity$36,653,0002,003
Average total loans$97,510,5003,437
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8896%5,741
Cost of funding earning assets0.3884%3,165
Net interest margin2.5012%5,743
Noninterest income to average assets0.2845%4,752
Noninterest expense to average assets2.3621%4,447
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.2395%5,445
Return on assets (ROA)0.5270%4,695
Pretax return on assets0.5841%4,928
Return on Equity (ROE)4.9503%4,540
Retained earnings to average equity (ytd only)1.1773%4,909
Net charge-offs to loans0.0041%3,564
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)227.0000%287
Efficiency ratio89.9245%606
Assets per employee ($millions)3.5862%4,613
Cash dividends to net income (ytd only)*76.2168%990
Condition Ratios (%)
Loss allowance to loans1.8270%1,037
Loan loss allowance to noncurrent loans64.9783%4,463
Noncurrent assets plus other real estate owned to assets0.8413%2,492
Noncurrent loans to loans2.8117%557
Net loans and leases to total assets28.6287%5,809
Net loans and leases to deposits35.1904%5,803
Net loans and leases to core deposits35.7286%5,817
Total domestic deposits to total assets81.3537%4,171
Equity capital to assets11.1438%2,901
Core capital (leverage) ratio9.5354%4,156
Tier 1 risk-based capital ratio22.6180%1,062
Total risk-based capital ratio23.8724%1,043
Memoranda:
Average total assets$343,087,6701,944
Average earning assets$321,285,6701,923
Average equity$36,523,0002,016
Average total loans$97,546,0003,449
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8615%5,818
Cost of funding earning assets0.3927%3,162
Net interest margin2.4687%5,831
Noninterest income to average assets0.2832%4,690
Noninterest expense to average assets2.2885%4,695
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.2463%5,442
Return on assets (ROA)0.7594%3,550
Pretax return on assets0.9385%3,699
Return on Equity (ROE)7.2997%3,288
Retained earnings to average equity (ytd only)3.4776%3,759
Net charge-offs to loans-0.0041%4,239
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.2353%794
Assets per employee ($millions)3.6153%4,619
Cash dividends to net income (ytd only)*52.3592%1,666
Condition Ratios (%)
Loss allowance to loans1.9090%957
Loan loss allowance to noncurrent loans60.9005%4,557
Noncurrent assets plus other real estate owned to assets0.8511%2,562
Noncurrent loans to loans3.1347%498
Net loans and leases to total assets26.6338%5,905
Net loans and leases to deposits33.1947%5,884
Net loans and leases to core deposits33.6938%5,896
Total domestic deposits to total assets80.2349%4,694
Equity capital to assets10.5985%3,377
Core capital (leverage) ratio9.6316%3,996
Tier 1 risk-based capital ratio22.8697%1,027
Total risk-based capital ratio24.1238%1,006
Memoranda:
Average total assets$346,080,5001,939
Average earning assets$323,891,5001,914
Average equity$36,001,5002,035
Average total loans$97,167,0003,466
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2800%5,381
Cost of funding earning assets0.4353%2,782
Net interest margin2.8447%5,434
Noninterest income to average assets0.2804%4,875
Noninterest expense to average assets2.4386%4,415
Loan and lease loss provision to assets0.0089%4,223
Net operating income to assets0.4236%4,976
Return on assets (ROA)0.7199%3,818
Pretax return on assets0.8294%4,104
Return on Equity (ROE)6.9094%3,553
Retained earnings to average equity (ytd only)2.8924%4,002
Net charge-offs to loans0.0442%3,328
Credit loss provision to net charge-offs66.6667%3,173
Earnings coverage of net charge-offs (x)37.4667%1,233
Efficiency ratio83.0519%1,269
Assets per employee ($millions)3.5947%4,653
Cash dividends to net income (ytd only)*58.1386%1,837
Condition Ratios (%)
Loss allowance to loans1.7962%1,137
Loan loss allowance to noncurrent loans58.5286%4,673
Noncurrent assets plus other real estate owned to assets0.8902%2,448
Noncurrent loans to loans3.0690%511
Net loans and leases to total assets28.4850%5,933
Net loans and leases to deposits34.8189%5,912
Net loans and leases to core deposits35.3349%5,938
Total domestic deposits to total assets81.8090%4,222
Equity capital to assets10.2056%3,740
Core capital (leverage) ratio9.4242%4,285
Tier 1 risk-based capital ratio21.9796%1,152
Total risk-based capital ratio23.2107%1,134
Memoranda:
Average total assets$338,795,8001,929
Average earning assets$316,307,0001,912
Average equity$35,299,8002,021
Average total loans$101,722,8003,356
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0334%5,782
Cost of funding earning assets0.4420%2,773
Net interest margin2.5914%5,841
Noninterest income to average assets0.2768%4,964
Noninterest expense to average assets2.4122%4,476
Loan and lease loss provision to assets0.0119%4,035
Net operating income to assets0.2416%5,589
Return on assets (ROA)0.6476%4,258
Pretax return on assets0.7267%4,582
Return on Equity (ROE)6.1833%4,066
Retained earnings to average equity (ytd only)2.1290%4,821
Net charge-offs to loans0.0679%2,595
Credit loss provision to net charge-offs57.6923%2,937
Earnings coverage of net charge-offs (x)13.7311%2,301
Efficiency ratio89.5231%729
Assets per employee ($millions)3.5747%4,659
Cash dividends to net income (ytd only)*65.5674%1,187
Condition Ratios (%)
Loss allowance to loans1.7622%1,337
Loan loss allowance to noncurrent loans77.3984%4,228
Noncurrent assets plus other real estate owned to assets0.6673%3,253
Noncurrent loans to loans2.2768%948
Net loans and leases to total assets28.7943%6,011
Net loans and leases to deposits36.7164%5,965
Net loans and leases to core deposits37.3293%5,986
Total domestic deposits to total assets78.4236%5,108
Equity capital to assets10.3216%3,786
Core capital (leverage) ratio9.5383%4,252
Tier 1 risk-based capital ratio21.6780%1,240
Total risk-based capital ratio22.9034%1,217
Memoranda:
Average total assets$337,221,2501,954
Average earning assets$314,622,7501,936
Average equity$35,320,0002,028
Average total loans$102,129,0003,383
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1035%5,743
Cost of funding earning assets0.4483%2,751
Net interest margin2.6552%5,820
Noninterest income to average assets0.2748%4,985
Noninterest expense to average assets2.4362%4,448
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.2576%5,557
Return on assets (ROA)0.8310%3,325
Pretax return on assets1.0047%3,573
Return on Equity (ROE)7.8946%3,114
Retained earnings to average equity (ytd only)3.8620%3,545
Net charge-offs to loans0.1075%1,920
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)9.5273%2,443
Efficiency ratio88.5913%869
Assets per employee ($millions)3.4309%4,931
Cash dividends to net income (ytd only)*51.0807%1,885
Condition Ratios (%)
Loss allowance to loans1.6772%1,672
Loan loss allowance to noncurrent loans202.3015%2,228
Noncurrent assets plus other real estate owned to assets0.2638%4,811
Noncurrent loans to loans0.8290%3,051
Net loans and leases to total assets31.2909%6,002
Net loans and leases to deposits38.5444%5,957
Net loans and leases to core deposits39.1534%5,984
Total domestic deposits to total assets81.1815%4,555
Equity capital to assets10.5372%3,400
Core capital (leverage) ratio9.6083%4,127
Tier 1 risk-based capital ratio21.0941%1,341
Total risk-based capital ratio22.2568%1,329
Memoranda:
Average total assets$334,045,3301,986
Average earning assets$311,394,6701,970
Average equity$35,163,3302,044
Average total loans$102,293,6703,397
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2251%5,607
Cost of funding earning assets0.4474%2,793
Net interest margin2.7776%5,692
Noninterest income to average assets0.2830%4,915
Noninterest expense to average assets2.3949%4,612
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3656%5,201
Return on assets (ROA)1.2295%1,553
Pretax return on assets1.6160%1,234
Return on Equity (ROE)11.6863%1,429
Retained earnings to average equity (ytd only)7.7984%1,643
Net charge-offs to loans0.0079%3,060
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)201.5000%281
Efficiency ratio83.3264%1,451
Assets per employee ($millions)3.4398%5,015
Cash dividends to net income (ytd only)*33.2689%2,246
Condition Ratios (%)
Loss allowance to loans1.7609%1,586
Loan loss allowance to noncurrent loans196.6341%2,256
Noncurrent assets plus other real estate owned to assets0.2705%4,867
Noncurrent loans to loans0.8955%3,000
Net loans and leases to total assets29.6682%6,086
Net loans and leases to deposits36.7998%6,028
Net loans and leases to core deposits37.4624%6,061
Total domestic deposits to total assets80.6207%4,908
Equity capital to assets10.5916%3,438
Core capital (leverage) ratio9.6239%4,119
Tier 1 risk-based capital ratio21.4420%1,340
Total risk-based capital ratio22.6589%1,319
Memoranda:
Average total assets$336,384,5001,982
Average earning assets$313,793,5001,972
Average equity$35,392,0002,042
Average total loans$101,030,5003,435
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0808%5,981
Cost of funding earning assets0.4654%3,019
Net interest margin2.6155%6,045
Noninterest income to average assets0.3130%4,884
Noninterest expense to average assets2.3834%4,889
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.3389%5,406
Return on assets (ROA)0.5733%4,575
Pretax return on assets0.5992%4,945
Return on Equity (ROE)5.8166%4,247
Retained earnings to average equity (ytd only)1.6528%4,985
Net charge-offs to loans0.0548%3,737
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)22.9231%1,610
Efficiency ratio87.0364%1,072
Assets per employee ($millions)3.4607%4,962
Cash dividends to net income (ytd only)*71.5844%1,230
Condition Ratios (%)
Loss allowance to loans1.8273%1,477
Loan loss allowance to noncurrent loans173.3270%2,513
Noncurrent assets plus other real estate owned to assets0.3148%4,784
Noncurrent loans to loans1.0543%2,715
Net loans and leases to total assets29.3186%6,195
Net loans and leases to deposits35.7691%6,177
Net loans and leases to core deposits36.3769%6,195
Total domestic deposits to total assets81.9662%4,432
Equity capital to assets10.4492%3,548
Core capital (leverage) ratio9.3033%4,534
Tier 1 risk-based capital ratio20.1061%1,577
Total risk-based capital ratio21.2863%1,565
Memoranda:
Average total assets$335,782,2001,935
Average earning assets$311,376,4001,922
Average equity$33,095,2002,103
Average total loans$94,883,6003,529
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0831%6,052
Cost of funding earning assets0.4643%3,106
Net interest margin2.6188%6,108
Noninterest income to average assets0.2978%5,076
Noninterest expense to average assets2.3385%5,002
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.3834%5,309
Return on assets (ROA)0.7045%4,022
Pretax return on assets0.7097%4,674
Return on Equity (ROE)7.2558%3,579
Retained earnings to average equity (ytd only)3.0426%4,451
Net charge-offs to loans0.0753%3,121
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)18.3598%1,847
Efficiency ratio85.8534%1,196
Assets per employee ($millions)3.4673%4,922
Cash dividends to net income (ytd only)*58.0664%1,468
Condition Ratios (%)
Loss allowance to loans1.8800%1,504
Loan loss allowance to noncurrent loans157.7023%2,612
Noncurrent assets plus other real estate owned to assets0.4077%4,699
Noncurrent loans to loans1.1921%2,668
Net loans and leases to total assets28.4118%6,312
Net loans and leases to deposits34.6578%6,280
Net loans and leases to core deposits35.2786%6,292
Total domestic deposits to total assets81.9781%4,482
Equity capital to assets10.1769%3,960
Core capital (leverage) ratio9.7345%4,019
Tier 1 risk-based capital ratio20.6981%1,510
Total risk-based capital ratio21.8536%1,492
Memoranda:
Average total assets$336,671,2501,945
Average earning assets$311,889,7501,933
Average equity$32,690,2502,134
Average total loans$93,800,2503,588
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0596%6,116
Cost of funding earning assets0.4607%3,201
Net interest margin2.5989%6,172
Noninterest income to average assets0.2953%5,051
Noninterest expense to average assets2.3045%5,136
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.4711%4,931
Return on assets (ROA)0.5960%4,470
Pretax return on assets0.5226%5,216
Return on Equity (ROE)6.2362%4,031
Retained earnings to average equity (ytd only)1.9693%4,893
Net charge-offs to loans0.0022%4,321
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)672.0000%105
Efficiency ratio85.2825%1,346
Assets per employee ($millions)3.5267%4,798
Cash dividends to net income (ytd only)*68.4211%1,215
Condition Ratios (%)
Loss allowance to loans1.9736%1,413
Loan loss allowance to noncurrent loans164.9558%2,511
Noncurrent assets plus other real estate owned to assets0.3373%5,035
Noncurrent loans to loans1.1965%2,841
Net loans and leases to total assets27.6329%6,376
Net loans and leases to deposits33.5755%6,356
Net loans and leases to core deposits34.1692%6,371
Total domestic deposits to total assets82.3009%4,548
Equity capital to assets10.1284%3,934
Core capital (leverage) ratio9.6617%4,096
Tier 1 risk-based capital ratio20.8528%1,475
Total risk-based capital ratio22.0663%1,464
Memoranda:
Average total assets$337,941,0001,932
Average earning assets$312,980,0001,920
Average equity$32,295,3302,147
Average total loans$92,939,0003,619
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0673%6,165
Cost of funding earning assets0.4649%3,266
Net interest margin2.6024%6,238
Noninterest income to average assets0.3017%4,941
Noninterest expense to average assets2.2452%5,340
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5869%4,254
Return on assets (ROA)0.5292%4,627
Pretax return on assets0.4066%5,434
Return on Equity (ROE)5.7059%4,178
Retained earnings to average equity (ytd only)1.3343%5,081
Net charge-offs to loans-0.0043%4,792
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.8621%1,814
Assets per employee ($millions)3.5843%4,759
Cash dividends to net income (ytd only)*76.6147%1,031
Condition Ratios (%)
Loss allowance to loans2.0512%1,417
Loan loss allowance to noncurrent loans153.5802%2,609
Noncurrent assets plus other real estate owned to assets0.3606%5,080
Noncurrent loans to loans1.3356%2,806
Net loans and leases to total assets26.4462%6,458
Net loans and leases to deposits31.8699%6,440
Net loans and leases to core deposits32.3160%6,456
Total domestic deposits to total assets82.9820%4,607
Equity capital to assets9.5965%4,357
Core capital (leverage) ratio9.4697%4,326
Tier 1 risk-based capital ratio20.6561%1,546
Total risk-based capital ratio21.8675%1,526
Memoranda:
Average total assets$339,392,0001,933
Average earning assets$314,023,5001,916
Average equity$31,476,0002,183
Average total loans$92,186,0003,655
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1405%6,202
Cost of funding earning assets0.5088%3,517
Net interest margin2.6317%6,229
Noninterest income to average assets0.3250%5,008
Noninterest expense to average assets2.3549%5,215
Loan and lease loss provision to assets-0.1241%6,515
Net operating income to assets0.5886%4,315
Return on assets (ROA)0.7043%3,861
Pretax return on assets0.6547%4,686
Return on Equity (ROE)6.9247%3,595
Retained earnings to average equity (ytd only)2.9059%4,177
Net charge-offs to loans-0.0860%6,441
Credit loss provision to net charge-offs476.1905%485
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0185%1,515
Assets per employee ($millions)3.7567%4,357
Cash dividends to net income (ytd only)*58.0361%1,863
Condition Ratios (%)
Loss allowance to loans1.9967%1,560
Loan loss allowance to noncurrent loans146.8504%2,722
Noncurrent assets plus other real estate owned to assets0.3715%5,134
Noncurrent loans to loans1.3597%2,866
Net loans and leases to total assets26.7762%6,553
Net loans and leases to deposits32.0132%6,538
Net loans and leases to core deposits32.5160%6,553
Total domestic deposits to total assets83.6412%4,303
Equity capital to assets8.9566%5,091
Core capital (leverage) ratio9.2751%4,597
Tier 1 risk-based capital ratio20.1669%1,618
Total risk-based capital ratio21.3529%1,600
Memoranda:
Average total assets$322,438,0001,995
Average earning assets$299,541,6001,984
Average equity$32,795,8002,097
Average total loans$97,639,0003,515
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1645%6,243
Cost of funding earning assets0.5157%3,615
Net interest margin2.6488%6,251
Noninterest income to average assets0.3325%5,030
Noninterest expense to average assets2.3834%5,068
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.5101%4,757
Return on assets (ROA)0.5101%4,914
Pretax return on assets0.4119%5,597
Return on Equity (ROE)4.8589%4,792
Retained earnings to average equity (ytd only)0.9078%5,615
Net charge-offs to loans-0.1189%6,534
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.2658%1,437
Assets per employee ($millions)3.6677%4,514
Cash dividends to net income (ytd only)*81.3168%741
Condition Ratios (%)
Loss allowance to loans2.3773%1,073
Loan loss allowance to noncurrent loans175.2124%2,246
Noncurrent assets plus other real estate owned to assets0.3678%5,303
Noncurrent loans to loans1.3568%3,151
Net loans and leases to total assets26.4631%6,640
Net loans and leases to deposits31.6619%6,625
Net loans and leases to core deposits32.1172%6,644
Total domestic deposits to total assets83.5803%4,354
Equity capital to assets8.9588%5,237
Core capital (leverage) ratio9.7812%3,989
Tier 1 risk-based capital ratio20.6469%1,570
Total risk-based capital ratio21.9002%1,542
Memoranda:
Average total assets$317,582,7502,033
Average earning assets$295,269,0002,013
Average equity$33,340,0002,089
Average total loans$98,698,2503,511
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2705%6,134
Cost of funding earning assets0.5364%3,532
Net interest margin2.7341%6,125
Noninterest income to average assets0.3424%4,949
Noninterest expense to average assets2.4451%4,913
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.5339%4,650
Return on assets (ROA)0.5339%4,815
Pretax return on assets0.4417%5,541
Return on Equity (ROE)4.8146%4,819
Retained earnings to average equity (ytd only)0.9311%5,531
Net charge-offs to loans-0.0080%5,726
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.6990%1,559
Assets per employee ($millions)3.1119%5,654
Cash dividends to net income (ytd only)*80.6610%887
Condition Ratios (%)
Loss allowance to loans2.2061%1,408
Loan loss allowance to noncurrent loans66.2121%4,549
Noncurrent assets plus other real estate owned to assets1.1046%3,517
Noncurrent loans to loans3.3319%1,302
Net loans and leases to total assets32.4220%6,489
Net loans and leases to deposits39.4668%6,428
Net loans and leases to core deposits40.1476%6,466
Total domestic deposits to total assets82.1500%5,006
Equity capital to assets10.5203%3,275
Core capital (leverage) ratio10.3155%3,082
Tier 1 risk-based capital ratio21.0479%1,475
Total risk-based capital ratio22.3007%1,452
Memoranda:
Average total assets$306,076,6702,117
Average earning assets$284,846,0002,096
Average equity$33,938,6702,052
Average total loans$99,782,3303,495
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1808%6,313
Cost of funding earning assets0.5347%3,730
Net interest margin2.6461%6,299
Noninterest income to average assets0.3513%4,868
Noninterest expense to average assets2.4330%5,006
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.4972%4,683
Return on assets (ROA)0.4972%4,837
Pretax return on assets0.3913%5,588
Return on Equity (ROE)4.3758%4,914
Retained earnings to average equity (ytd only)0.6251%5,580
Net charge-offs to loans0.0120%3,901
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)101.0000%378
Efficiency ratio86.1454%1,498
Assets per employee ($millions)3.2979%5,436
Cash dividends to net income (ytd only)*85.7143%808
Condition Ratios (%)
Loss allowance to loans2.1606%1,664
Loan loss allowance to noncurrent loans62.8571%4,591
Noncurrent assets plus other real estate owned to assets1.1060%3,721
Noncurrent loans to loans3.4373%1,401
Net loans and leases to total assets31.4807%6,540
Net loans and leases to deposits39.3034%6,451
Net loans and leases to core deposits40.0796%6,480
Total domestic deposits to total assets80.0965%5,733
Equity capital to assets11.1294%2,813
Core capital (leverage) ratio10.3338%2,991
Tier 1 risk-based capital ratio21.1718%1,496
Total risk-based capital ratio22.4246%1,471
Memoranda:
Average total assets$309,742,5002,123
Average earning assets$289,483,0002,083
Average equity$35,193,5002,008
Average total loans$100,151,5003,500
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5260%6,331
Cost of funding earning assets0.6416%3,994
Net interest margin2.8844%6,253
Noninterest income to average assets0.4011%4,603
Noninterest expense to average assets2.4924%5,123
Loan and lease loss provision to assets-0.0829%6,912
Net operating income to assets0.5611%4,424
Return on assets (ROA)0.8621%3,231
Pretax return on assets1.0430%3,385
Return on Equity (ROE)7.3705%3,423
Retained earnings to average equity (ytd only)3.7781%3,555
Net charge-offs to loans0.0719%4,964
Credit loss provision to net charge-offs-330.6667%6,462
Earnings coverage of net charge-offs (x)23.8267%1,203
Efficiency ratio80.6665%2,056
Assets per employee ($millions)3.2230%5,572
Cash dividends to net income (ytd only)*48.7398%2,375
Condition Ratios (%)
Loss allowance to loans2.1920%1,566
Loan loss allowance to noncurrent loans61.4193%4,608
Noncurrent assets plus other real estate owned to assets1.1597%3,722
Noncurrent loans to loans3.5690%1,383
Net loans and leases to total assets31.7831%6,638
Net loans and leases to deposits39.4753%6,575
Net loans and leases to core deposits40.2755%6,606
Total domestic deposits to total assets80.5139%5,541
Equity capital to assets11.6004%2,346
Core capital (leverage) ratio10.4271%2,852
Tier 1 risk-based capital ratio20.7987%1,503
Total risk-based capital ratio22.0512%1,471
Memoranda:
Average total assets$299,149,8002,145
Average earning assets$278,841,0002,110
Average equity$34,991,0001,975
Average total loans$104,303,6003,417
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5953%6,400
Cost of funding earning assets0.6626%4,083
Net interest margin2.9327%6,302
Noninterest income to average assets0.3892%4,718
Noninterest expense to average assets2.5102%5,047
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.5897%4,440
Return on assets (ROA)0.7380%3,998
Pretax return on assets0.7644%4,617
Return on Equity (ROE)6.2957%4,178
Retained earnings to average equity (ytd only)2.6889%4,946
Net charge-offs to loans-0.0114%6,385
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4107%2,033
Assets per employee ($millions)3.2306%5,580
Cash dividends to net income (ytd only)*57.2904%1,378
Condition Ratios (%)
Loss allowance to loans2.4949%1,217
Loan loss allowance to noncurrent loans66.4639%4,360
Noncurrent assets plus other real estate owned to assets1.2608%3,777
Noncurrent loans to loans3.7537%1,419
Net loans and leases to total assets32.6893%6,715
Net loans and leases to deposits41.0202%6,642
Net loans and leases to core deposits41.8052%6,673
Total domestic deposits to total assets79.6907%5,732
Equity capital to assets11.8977%2,354
Core capital (leverage) ratio10.3064%3,155
Tier 1 risk-based capital ratio21.1081%1,502
Total risk-based capital ratio22.3647%1,471
Memoranda:
Average total assets$297,390,2502,175
Average earning assets$277,096,5002,138
Average equity$34,859,0002,003
Average total loans$105,505,2503,417
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6377%6,440
Cost of funding earning assets0.6858%4,136
Net interest margin2.9519%6,337
Noninterest income to average assets0.4029%4,629
Noninterest expense to average assets2.5407%4,995
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.5715%4,492
Return on assets (ROA)0.7855%3,704
Pretax return on assets0.8402%4,315
Return on Equity (ROE)6.7355%3,921
Retained earnings to average equity (ytd only)3.0958%4,577
Net charge-offs to loans-0.0187%6,414
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6383%2,084
Assets per employee ($millions)3.1413%5,770
Cash dividends to net income (ytd only)*54.0378%1,593
Condition Ratios (%)
Loss allowance to loans2.3836%1,439
Loan loss allowance to noncurrent loans63.5973%4,475
Noncurrent assets plus other real estate owned to assets1.3614%3,712
Noncurrent loans to loans3.7480%1,503
Net loans and leases to total assets34.8672%6,676
Net loans and leases to deposits43.0244%6,600
Net loans and leases to core deposits43.9238%6,665
Total domestic deposits to total assets81.0407%5,454
Equity capital to assets11.8650%2,253
Core capital (leverage) ratio10.2713%3,077
Tier 1 risk-based capital ratio20.2902%1,642
Total risk-based capital ratio21.5455%1,605
Memoranda:
Average total assets$296,372,3302,178
Average earning assets$275,885,6702,144
Average equity$34,563,3302,002
Average total loans$107,098,3303,398
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6572%6,501
Cost of funding earning assets0.7069%4,217
Net interest margin2.9503%6,387
Noninterest income to average assets0.3786%4,832
Noninterest expense to average assets2.5125%5,109
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.6413%4,161
Return on assets (ROA)0.6413%4,369
Pretax return on assets0.6157%5,062
Return on Equity (ROE)5.5466%4,524
Retained earnings to average equity (ytd only)1.8877%5,303
Net charge-offs to loans0.0259%4,318
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)65.2857%515
Efficiency ratio80.3187%2,160
Assets per employee ($millions)3.1012%5,958
Cash dividends to net income (ytd only)*65.9664%1,065
Condition Ratios (%)
Loss allowance to loans2.3469%1,596
Loan loss allowance to noncurrent loans64.2067%4,305
Noncurrent assets plus other real estate owned to assets1.3231%3,902
Noncurrent loans to loans3.6552%1,695
Net loans and leases to total assets34.5394%6,709
Net loans and leases to deposits42.6032%6,626
Net loans and leases to core deposits43.4746%6,678
Total domestic deposits to total assets81.0723%5,585
Equity capital to assets11.4201%2,507
Core capital (leverage) ratio10.2936%3,002
Tier 1 risk-based capital ratio19.8613%1,741
Total risk-based capital ratio21.1164%1,716
Memoranda:
Average total assets$296,918,5002,182
Average earning assets$276,715,5002,154
Average equity$34,327,5002,013
Average total loans$107,912,5003,410
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2155%6,011
Cost of funding earning assets0.8392%4,552
Net interest margin3.3763%5,558
Noninterest income to average assets0.4554%4,179
Noninterest expense to average assets2.6445%4,942
Loan and lease loss provision to assets0.2099%4,089
Net operating income to assets0.6482%3,747
Return on assets (ROA)0.8703%2,877
Pretax return on assets0.9948%3,262
Return on Equity (ROE)7.6784%3,066
Retained earnings to average equity (ytd only)3.7991%3,513
Net charge-offs to loans0.1337%5,080
Credit loss provision to net charge-offs387.0968%604
Earnings coverage of net charge-offs (x)17.5097%1,270
Efficiency ratio73.5838%3,293
Assets per employee ($millions)2.9900%6,101
Cash dividends to net income (ytd only)*50.5225%2,015
Condition Ratios (%)
Loss allowance to loans2.2882%1,636
Loan loss allowance to noncurrent loans61.8883%4,410
Noncurrent assets plus other real estate owned to assets1.4279%3,852
Noncurrent loans to loans3.6974%1,704
Net loans and leases to total assets36.4902%6,732
Net loans and leases to deposits44.6843%6,689
Net loans and leases to core deposits45.6124%6,749
Total domestic deposits to total assets81.6623%5,249
Equity capital to assets11.7062%2,337
Core capital (leverage) ratio10.3931%2,852
Tier 1 risk-based capital ratio20.1700%1,600
Total risk-based capital ratio21.4254%1,571
Memoranda:
Average total assets$285,875,0002,229
Average earning assets$265,732,0002,200
Average equity$32,402,4002,056
Average total loans$115,930,8003,256
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3135%5,903
Cost of funding earning assets0.8630%4,679
Net interest margin3.4505%5,391
Noninterest income to average assets0.4276%4,455
Noninterest expense to average assets2.6559%4,883
Loan and lease loss provision to assets0.2816%3,272
Net operating income to assets0.6036%4,069
Return on assets (ROA)0.8631%3,044
Pretax return on assets1.0006%3,402
Return on Equity (ROE)7.6797%3,187
Retained earnings to average equity (ytd only)3.7417%4,085
Net charge-offs to loans0.1520%4,554
Credit loss provision to net charge-offs447.7612%623
Earnings coverage of net charge-offs (x)15.5897%1,457
Efficiency ratio73.0382%3,353
Assets per employee ($millions)2.9453%6,239
Cash dividends to net income (ytd only)*51.2778%1,532
Condition Ratios (%)
Loss allowance to loans2.2094%1,840
Loan loss allowance to noncurrent loans59.3699%4,489
Noncurrent assets plus other real estate owned to assets1.5385%3,783
Noncurrent loans to loans3.7214%1,829
Net loans and leases to total assets38.3284%6,757
Net loans and leases to deposits47.4404%6,658
Net loans and leases to core deposits48.5725%6,737
Total domestic deposits to total assets80.7928%5,500
Equity capital to assets11.5217%2,661
Core capital (leverage) ratio10.2407%3,142
Tier 1 risk-based capital ratio19.7664%1,742
Total risk-based capital ratio21.0225%1,713
Memoranda:
Average total assets$284,087,7502,245
Average earning assets$264,189,2502,219
Average equity$31,927,5002,080
Average total loans$117,556,2503,250
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3914%5,724
Cost of funding earning assets0.8904%4,754
Net interest margin3.5011%5,162
Noninterest income to average assets0.4006%4,678
Noninterest expense to average assets2.6819%4,895
Loan and lease loss provision to assets0.4262%2,301
Net operating income to assets0.5145%4,440
Return on assets (ROA)0.6953%3,681
Pretax return on assets0.7337%4,267
Return on Equity (ROE)6.2414%3,826
Retained earnings to average equity (ytd only)2.2377%4,871
Net charge-offs to loans0.2191%3,811
Credit loss provision to net charge-offs461.5385%663
Earnings coverage of net charge-offs (x)10.5000%1,800
Efficiency ratio73.4487%3,472
Assets per employee ($millions)2.9264%6,245
Cash dividends to net income (ytd only)*64.1471%1,214
Condition Ratios (%)
Loss allowance to loans2.1570%2,002
Loan loss allowance to noncurrent loans58.4470%4,540
Noncurrent assets plus other real estate owned to assets1.6064%3,789
Noncurrent loans to loans3.6905%1,905
Net loans and leases to total assets40.4139%6,715
Net loans and leases to deposits49.2519%6,653
Net loans and leases to core deposits50.4415%6,740
Total domestic deposits to total assets82.0556%5,146
Equity capital to assets11.2640%2,714
Core capital (leverage) ratio10.1276%3,108
Tier 1 risk-based capital ratio19.7470%1,659
Total risk-based capital ratio21.0035%1,628
Memoranda:
Average total assets$281,587,6702,276
Average earning assets$261,464,0002,242
Average equity$31,371,3302,103
Average total loans$118,646,3303,255
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3927%5,721
Cost of funding earning assets0.9246%4,746
Net interest margin3.4680%5,151
Noninterest income to average assets0.4079%4,648
Noninterest expense to average assets2.6899%4,874
Loan and lease loss provision to assets0.0428%5,456
Net operating income to assets0.7987%3,043
Return on assets (ROA)0.7987%3,112
Pretax return on assets0.8957%3,513
Return on Equity (ROE)7.2095%3,290
Retained earnings to average equity (ytd only)3.1670%4,274
Net charge-offs to loans0.2983%2,857
Credit loss provision to net charge-offs33.7079%4,056
Earnings coverage of net charge-offs (x)7.3933%1,957
Efficiency ratio74.1352%3,489
Assets per employee ($millions)2.8934%6,368
Cash dividends to net income (ytd only)*56.0714%1,330
Condition Ratios (%)
Loss allowance to loans1.7047%3,327
Loan loss allowance to noncurrent loans43.6395%5,388
Noncurrent assets plus other real estate owned to assets1.6755%3,740
Noncurrent loans to loans3.9063%1,880
Net loans and leases to total assets40.6713%6,734
Net loans and leases to deposits49.2381%6,669
Net loans and leases to core deposits50.4155%6,756
Total domestic deposits to total assets82.6014%5,067
Equity capital to assets11.0368%2,651
Core capital (leverage) ratio10.2461%2,868
Tier 1 risk-based capital ratio18.8635%1,842
Total risk-based capital ratio20.1146%1,804
Memoranda:
Average total assets$280,451,5002,301
Average earning assets$260,435,0002,269
Average equity$31,070,0002,108
Average total loans$119,345,5003,273
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6067%6,092
Cost of funding earning assets1.1878%4,636
Net interest margin3.4189%5,557
Noninterest income to average assets0.5082%4,108
Noninterest expense to average assets2.7606%4,739
Loan and lease loss provision to assets0.0792%6,368
Net operating income to assets0.6904%3,269
Return on assets (ROA)0.8561%2,701
Pretax return on assets1.0383%2,818
Return on Equity (ROE)7.5806%2,856
Retained earnings to average equity (ytd only)3.7154%3,265
Net charge-offs to loans0.0442%6,366
Credit loss provision to net charge-offs400.0000%610
Earnings coverage of net charge-offs (x)46.2182%501
Efficiency ratio75.0955%3,188
Assets per employee ($millions)2.7735%6,563
Cash dividends to net income (ytd only)*50.9886%2,031
Condition Ratios (%)
Loss allowance to loans1.6965%3,227
Loan loss allowance to noncurrent loans41.7562%5,528
Noncurrent assets plus other real estate owned to assets1.7808%3,643
Noncurrent loans to loans4.0629%1,778
Net loans and leases to total assets43.0168%6,789
Net loans and leases to deposits52.1880%6,735
Net loans and leases to core deposits53.4637%6,840
Total domestic deposits to total assets82.4267%5,051
Equity capital to assets11.1212%2,583
Core capital (leverage) ratio10.2274%2,833
Tier 1 risk-based capital ratio18.4334%1,863
Total risk-based capital ratio19.6849%1,828
Memoranda:
Average total assets$277,653,0002,304
Average earning assets$257,278,2002,281
Average equity$31,356,2002,091
Average total loans$124,327,0003,225
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6461%6,207
Cost of funding earning assets1.2410%4,620
Net interest margin3.4051%5,662
Noninterest income to average assets0.5310%3,933
Noninterest expense to average assets2.7422%4,715
Loan and lease loss provision to assets0.0432%6,658
Net operating income to assets0.7162%3,347
Return on assets (ROA)0.9289%2,627
Pretax return on assets1.1685%2,603
Return on Equity (ROE)8.1944%2,829
Retained earnings to average equity (ytd only)4.3450%3,436
Net charge-offs to loans0.0501%6,023
Credit loss provision to net charge-offs191.4894%1,873
Earnings coverage of net charge-offs (x)41.7627%659
Efficiency ratio74.4235%3,239
Assets per employee ($millions)2.8240%6,541
Cash dividends to net income (ytd only)*46.9767%1,760
Condition Ratios (%)
Loss allowance to loans1.5689%3,662
Loan loss allowance to noncurrent loans38.3868%5,755
Noncurrent assets plus other real estate owned to assets1.7897%3,762
Noncurrent loans to loans4.0871%1,815
Net loans and leases to total assets43.0335%6,905
Net loans and leases to deposits52.8694%6,843
Net loans and leases to core deposits54.1490%6,949
Total domestic deposits to total assets81.3960%5,239
Equity capital to assets11.5157%2,521
Core capital (leverage) ratio10.2228%3,017
Tier 1 risk-based capital ratio19.3650%1,668
Total risk-based capital ratio20.6159%1,638
Memoranda:
Average total assets$277,728,2502,333
Average earning assets$257,213,0002,309
Average equity$31,484,0002,097
Average total loans$125,067,0003,263
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7106%6,110
Cost of funding earning assets1.2950%4,570
Net interest margin3.4156%5,574
Noninterest income to average assets0.4475%4,541
Noninterest expense to average assets2.7519%4,696
Loan and lease loss provision to assets0.0435%6,542
Net operating income to assets0.6771%3,498
Return on assets (ROA)0.8292%2,982
Pretax return on assets0.9965%3,130
Return on Equity (ROE)7.3542%3,161
Retained earnings to average equity (ytd only)3.4619%3,900
Net charge-offs to loans0.0510%5,672
Credit loss provision to net charge-offs187.5000%2,099
Earnings coverage of net charge-offs (x)36.9688%781
Efficiency ratio76.2593%3,029
Assets per employee ($millions)2.7483%6,693
Cash dividends to net income (ytd only)*52.9258%1,565
Condition Ratios (%)
Loss allowance to loans1.5759%3,557
Loan loss allowance to noncurrent loans37.2192%5,881
Noncurrent assets plus other real estate owned to assets2.3167%3,116
Noncurrent loans to loans4.2342%1,759
Net loans and leases to total assets43.6771%6,950
Net loans and leases to deposits54.2790%6,845
Net loans and leases to core deposits55.5714%6,964
Total domestic deposits to total assets80.4678%5,570
Equity capital to assets11.6327%2,333
Core capital (leverage) ratio10.2085%2,929
Tier 1 risk-based capital ratio18.0955%1,936
Total risk-based capital ratio19.3453%1,904
Memoranda:
Average total assets$276,172,3302,360
Average earning assets$255,594,3302,347
Average equity$31,138,6702,114
Average total loans$125,602,0003,293
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6596%6,377
Cost of funding earning assets1.3547%4,460
Net interest margin3.3050%5,953
Noninterest income to average assets0.4262%4,695
Noninterest expense to average assets2.7366%4,739
Loan and lease loss provision to assets0.0433%6,241
Net operating income to assets0.6516%3,656
Return on assets (ROA)0.6516%3,778
Pretax return on assets0.7166%4,177
Return on Equity (ROE)5.8718%3,935
Retained earnings to average equity (ytd only)1.9269%4,972
Net charge-offs to loans0.0565%4,844
Credit loss provision to net charge-offs166.6667%2,176
Earnings coverage of net charge-offs (x)29.2222%885
Efficiency ratio78.2645%2,855
Assets per employee ($millions)2.7467%6,764
Cash dividends to net income (ytd only)*67.1840%1,092
Condition Ratios (%)
Loss allowance to loans1.5095%3,862
Loan loss allowance to noncurrent loans29.2511%6,446
Noncurrent assets plus other real estate owned to assets2.3643%3,067
Noncurrent loans to loans5.1605%1,392
Net loans and leases to total assets43.9570%6,998
Net loans and leases to deposits55.7948%6,791
Net loans and leases to core deposits57.1211%6,929
Total domestic deposits to total assets78.7832%6,131
Equity capital to assets10.9302%2,827
Core capital (leverage) ratio10.2021%2,928
Tier 1 risk-based capital ratio17.4098%2,103
Total risk-based capital ratio18.6303%2,084
Memoranda:
Average total assets$276,844,5002,414
Average earning assets$257,187,0002,377
Average equity$30,723,0002,170
Average total loans$127,423,5003,324
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1930%5,680
Cost of funding earning assets1.7417%4,296
Net interest margin3.4513%5,163
Noninterest income to average assets0.5981%3,646
Noninterest expense to average assets2.8333%4,820
Loan and lease loss provision to assets0.0688%6,889
Net operating income to assets0.7948%2,553
Return on assets (ROA)0.8666%2,362
Pretax return on assets0.9836%2,646
Return on Equity (ROE)7.8464%2,436
Retained earnings to average equity (ytd only)3.7472%2,572
Net charge-offs to loans0.1666%5,619
Credit loss provision to net charge-offs86.3850%6,119
Earnings coverage of net charge-offs (x)12.1925%1,530
Efficiency ratio74.4792%3,796
Assets per employee ($millions)2.6289%6,984
Cash dividends to net income (ytd only)*52.2433%2,366
Condition Ratios (%)
Loss allowance to loans1.4730%3,871
Loan loss allowance to noncurrent loans46.2854%5,302
Noncurrent assets plus other real estate owned to assets1.5751%4,018
Noncurrent loans to loans3.1824%2,400
Net loans and leases to total assets46.7866%6,912
Net loans and leases to deposits57.2206%6,832
Net loans and leases to core deposits64.1064%7,082
Total domestic deposits to total assets81.7654%5,050
Equity capital to assets11.2724%2,482
Core capital (leverage) ratio10.1655%2,929
Tier 1 risk-based capital ratio17.7282%1,964
Total risk-based capital ratio18.9700%1,920
Memoranda:
Average total assets$267,492,6002,448
Average earning assets$248,487,8002,419
Average equity$29,542,2002,262
Average total loans$127,869,8003,313
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2419%5,719
Cost of funding earning assets1.8043%4,365
Net interest margin3.4376%5,124
Noninterest income to average assets0.4695%4,754
Noninterest expense to average assets2.7879%4,940
Loan and lease loss provision to assets0.0200%7,156
Net operating income to assets0.6988%3,217
Return on assets (ROA)0.7755%2,976
Pretax return on assets0.9500%3,061
Return on Equity (ROE)7.0586%3,049
Retained earnings to average equity (ytd only)2.9263%3,683
Net charge-offs to loans0.0543%6,165
Credit loss provision to net charge-offs76.9231%5,835
Earnings coverage of net charge-offs (x)33.7122%856
Efficiency ratio76.0813%3,499
Assets per employee ($millions)2.6914%6,871
Cash dividends to net income (ytd only)*58.5430%1,661
Condition Ratios (%)
Loss allowance to loans1.4767%3,566
Loan loss allowance to noncurrent loans46.9764%5,178
Noncurrent assets plus other real estate owned to assets1.4995%4,117
Noncurrent loans to loans3.1434%2,402
Net loans and leases to total assets46.9052%7,044
Net loans and leases to deposits58.9278%6,905
Net loans and leases to core deposits66.6731%7,129
Total domestic deposits to total assets79.5977%5,591
Equity capital to assets11.2903%2,755
Core capital (leverage) ratio9.9791%3,311
Tier 1 risk-based capital ratio17.1285%2,238
Total risk-based capital ratio18.3601%2,191
Memoranda:
Average total assets$266,671,7502,461
Average earning assets$247,842,0002,443
Average equity$29,297,0002,302
Average total loans$127,692,0003,344
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3314%5,494
Cost of funding earning assets1.8704%4,416
Net interest margin3.4609%4,961
Noninterest income to average assets0.4514%4,835
Noninterest expense to average assets2.7597%5,132
Loan and lease loss provision to assets0.0075%7,120
Net operating income to assets0.7060%3,225
Return on assets (ROA)0.8175%2,882
Pretax return on assets1.0364%2,854
Return on Equity (ROE)7.5123%2,969
Retained earnings to average equity (ytd only)3.3087%3,483
Net charge-offs to loans0.0614%5,639
Credit loss provision to net charge-offs25.6410%6,070
Earnings coverage of net charge-offs (x)30.6667%986
Efficiency ratio75.3504%3,819
Assets per employee ($millions)2.6444%6,967
Cash dividends to net income (ytd only)*55.9557%1,822
Condition Ratios (%)
Loss allowance to loans1.4658%3,385
Loan loss allowance to noncurrent loans46.2741%5,264
Noncurrent assets plus other real estate owned to assets1.5204%3,943
Noncurrent loans to loans3.1677%2,254
Net loans and leases to total assets47.2025%7,105
Net loans and leases to deposits59.4474%6,933
Net loans and leases to core deposits68.2465%7,105
Total domestic deposits to total assets79.4021%5,685
Equity capital to assets10.7027%3,204
Core capital (leverage) ratio9.9349%3,367
Tier 1 risk-based capital ratio17.2883%2,213
Total risk-based capital ratio18.5281%2,155
Memoranda:
Average total assets$264,953,3302,490
Average earning assets$245,828,6702,468
Average equity$28,832,6702,348
Average total loans$127,118,6703,397
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4325%5,262
Cost of funding earning assets1.9644%4,312
Net interest margin3.4681%4,859
Noninterest income to average assets0.4494%4,776
Noninterest expense to average assets2.6401%5,265
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.8044%3,109
Return on assets (ROA)0.8044%3,266
Pretax return on assets1.0207%3,271
Return on Equity (ROE)7.3295%3,458
Retained earnings to average equity (ytd only)3.1234%4,135
Net charge-offs to loans0.1079%4,108
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)19.7059%1,411
Efficiency ratio72.1182%4,173
Assets per employee ($millions)2.5708%7,148
Cash dividends to net income (ytd only)*57.3864%1,560
Condition Ratios (%)
Loss allowance to loans1.4815%3,081
Loan loss allowance to noncurrent loans45.1806%5,512
Noncurrent assets plus other real estate owned to assets1.5668%3,577
Noncurrent loans to loans3.2790%1,958
Net loans and leases to total assets46.9839%7,106
Net loans and leases to deposits58.4382%7,007
Net loans and leases to core deposits66.9438%7,196
Total domestic deposits to total assets80.3993%5,209
Equity capital to assets10.9026%3,069
Core capital (leverage) ratio10.0917%3,300
Tier 1 risk-based capital ratio17.2051%2,269
Total risk-based capital ratio18.4475%2,216
Memoranda:
Average total assets$262,566,5002,529
Average earning assets$243,129,5002,510
Average equity$28,815,0002,360
Average total loans$126,072,0003,444
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6835%6,826
Cost of funding earning assets2.2213%5,504
Net interest margin3.4622%5,430
Noninterest income to average assets0.5341%4,369
Noninterest expense to average assets2.6943%5,296
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.8369%3,277
Return on assets (ROA)0.8725%2,976
Pretax return on assets1.0776%3,110
Return on Equity (ROE)8.1946%2,981
Retained earnings to average equity (ytd only)3.9112%2,695
Net charge-offs to loans0.0986%5,333
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)22.1750%1,485
Efficiency ratio72.1163%3,916
Assets per employee ($millions)2.5271%7,157
Cash dividends to net income (ytd only)*52.2707%3,016
Condition Ratios (%)
Loss allowance to loans1.5429%2,484
Loan loss allowance to noncurrent loans58.7176%5,070
Noncurrent assets plus other real estate owned to assets1.2736%3,677
Noncurrent loans to loans2.6277%2,061
Net loans and leases to total assets47.6062%7,215
Net loans and leases to deposits59.4235%7,130
Net loans and leases to core deposits67.9040%7,294
Total domestic deposits to total assets80.1133%4,974
Equity capital to assets11.0488%3,005
Core capital (leverage) ratio10.0560%3,393
Tier 1 risk-based capital ratio17.4928%2,180
Total risk-based capital ratio18.7434%2,119
Memoranda:
Average total assets$257,428,2002,489
Average earning assets$237,476,0002,475
Average equity$27,408,4002,446
Average total loans$121,650,4003,427