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Select Bank, Performance and Condition Ratios

2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3638%5,811
Cost of funding earning assets1.0846%3,356
Net interest margin3.2792%5,915
Noninterest income to average assets0.0675%6,969
Noninterest expense to average assets2.2799%6,178
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.5261%4,392
Return on assets (ROA)0.5261%4,534
Pretax return on assets0.8784%3,721
Return on Equity (ROE)6.5984%3,648
Retained earnings to average equity (ytd only)6.5984%2,083
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.1879%3,696
Assets per employee ($millions)4.3675%3,046
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0815%6,029
Loan loss allowance to noncurrent loans373.3871%858
Noncurrent assets plus other real estate owned to assets0.1893%6,629
Noncurrent loans to loans0.2896%6,340
Net loans and leases to total assets64.6403%3,331
Net loans and leases to deposits70.5427%4,362
Net loans and leases to core deposits74.5102%4,507
Total domestic deposits to total assets91.6329%316
Equity capital to assets8.2541%6,466
Core capital (leverage) ratio8.2541%5,943
Tier 1 risk-based capital ratio13.4674%4,555
Total risk-based capital ratio14.7120%4,539
Memoranda:
Average total assets$133,424,3304,157
Average earning assets$125,763,0004,076
Average equity$10,639,0004,886
Average total loans$86,786,6704,027
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4003%5,701
Cost of funding earning assets1.1009%3,513
Net interest margin3.2994%5,778
Noninterest income to average assets0.0654%7,065
Noninterest expense to average assets2.2819%6,238
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.5348%4,330
Return on assets (ROA)0.5348%4,418
Pretax return on assets0.8914%3,534
Return on Equity (ROE)6.8240%3,478
Retained earnings to average equity (ytd only)6.8240%2,228
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9101%3,887
Assets per employee ($millions)4.4376%3,000
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0859%6,098
Loan loss allowance to noncurrent loans131.9088%2,229
Noncurrent assets plus other real estate owned to assets0.5273%5,915
Noncurrent loans to loans0.8233%5,386
Net loans and leases to total assets63.3558%3,572
Net loans and leases to deposits68.9313%4,536
Net loans and leases to core deposits72.7520%4,685
Total domestic deposits to total assets91.9116%308
Equity capital to assets7.9945%6,498
Core capital (leverage) ratio7.9945%6,267
Tier 1 risk-based capital ratio12.9121%4,885
Total risk-based capital ratio14.1380%4,897
Memoranda:
Average total assets$134,624,0004,160
Average earning assets$126,810,0004,090
Average equity$10,551,0004,908
Average total loans$87,369,5004,038
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0016%4,553
Cost of funding earning assets1.2920%3,933
Net interest margin3.7096%4,309
Noninterest income to average assets0.1106%6,846
Noninterest expense to average assets2.0478%6,948
Loan and lease loss provision to assets0.0435%6,726
Net operating income to assets0.9064%2,357
Return on assets (ROA)0.9097%2,483
Pretax return on assets1.5104%1,345
Return on Equity (ROE)12.3306%1,251
Retained earnings to average equity (ytd only)10.5520%433
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9379%6,469
Assets per employee ($millions)4.5373%2,801
Cash dividends to net income (ytd only)*14.4246%3,625
Condition Ratios (%)
Loss allowance to loans1.0350%6,218
Loan loss allowance to noncurrent loans111.8357%2,604
Noncurrent assets plus other real estate owned to assets0.6083%5,807
Noncurrent loans to loans0.9255%5,202
Net loans and leases to total assets65.0475%3,655
Net loans and leases to deposits70.6065%4,737
Net loans and leases to core deposits75.1821%4,832
Total domestic deposits to total assets92.1267%258
Equity capital to assets7.6837%6,760
Core capital (leverage) ratio7.6837%6,557
Tier 1 risk-based capital ratio12.2726%5,235
Total risk-based capital ratio13.4709%5,246
Memoranda:
Average total assets$135,656,2004,143
Average earning assets$127,480,2004,076
Average equity$10,007,6005,131
Average total loans$92,865,4003,984
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1637%4,018
Cost of funding earning assets1.3286%4,044
Net interest margin3.8351%3,816
Noninterest income to average assets0.1092%7,002
Noninterest expense to average assets2.0392%6,979
Loan and lease loss provision to assets0.1476%5,562
Net operating income to assets0.9204%2,538
Return on assets (ROA)0.8883%2,798
Pretax return on assets1.4755%1,666
Return on Equity (ROE)12.1678%1,455
Retained earnings to average equity (ytd only)11.4536%533
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9285%6,695
Assets per employee ($millions)9.1835%331
Cash dividends to net income (ytd only)*5.8689%3,421
Condition Ratios (%)
Loss allowance to loans1.1093%5,902
Loan loss allowance to noncurrent loans103.9918%2,689
Noncurrent assets plus other real estate owned to assets0.7092%5,691
Noncurrent loans to loans1.0667%5,106
Net loans and leases to total assets65.7517%3,744
Net loans and leases to deposits71.3155%4,939
Net loans and leases to core deposits75.8197%5,078
Total domestic deposits to total assets92.1984%164
Equity capital to assets7.5635%7,085
Core capital (leverage) ratio7.4520%6,879
Tier 1 risk-based capital ratio10.9227%6,442
Total risk-based capital ratio12.1083%6,482
Memoranda:
Average total assets$135,540,5004,199
Average earning assets$127,346,5004,125
Average equity$9,894,7505,227
Average total loans$93,714,7504,028
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3042%3,455
Cost of funding earning assets1.3564%4,152
Net interest margin3.9478%3,245
Noninterest income to average assets0.1083%7,061
Noninterest expense to average assets2.0252%7,062
Loan and lease loss provision to assets0.2003%4,867
Net operating income to assets0.9641%2,315
Return on assets (ROA)0.9347%2,512
Pretax return on assets1.5504%1,434
Return on Equity (ROE)12.9630%1,250
Retained earnings to average equity (ytd only)11.8724%512
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9891%6,978
Assets per employee ($millions)4.5497%2,791
Cash dividends to net income (ytd only)*8.4127%3,188
Condition Ratios (%)
Loss allowance to loans1.0780%6,046
Loan loss allowance to noncurrent loans106.6028%2,609
Noncurrent assets plus other real estate owned to assets0.6880%5,774
Noncurrent loans to loans1.0112%5,292
Net loans and leases to total assets67.2984%3,553
Net loans and leases to deposits72.9539%4,841
Net loans and leases to core deposits76.9560%5,087
Total domestic deposits to total assets92.2479%183
Equity capital to assets7.3821%7,175
Core capital (leverage) ratio7.3169%6,982
Tier 1 risk-based capital ratio10.4881%6,700
Total risk-based capital ratio11.6463%6,753
Memoranda:
Average total assets$134,803,0004,245
Average earning assets$126,806,3304,158
Average equity$9,720,0005,281
Average total loans$94,422,6704,053
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4127%2,982
Cost of funding earning assets1.3746%4,332
Net interest margin4.0381%2,707
Noninterest income to average assets0.1045%7,183
Noninterest expense to average assets2.0275%7,109
Loan and lease loss provision to assets0.2389%4,134
Net operating income to assets0.9863%2,235
Return on assets (ROA)0.9615%2,390
Pretax return on assets1.5975%1,272
Return on Equity (ROE)13.4982%1,151
Retained earnings to average equity (ytd only)11.2765%867
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.9510%7,163
Assets per employee ($millions)4.6407%2,729
Cash dividends to net income (ytd only)*16.4596%2,301
Condition Ratios (%)
Loss allowance to loans1.0068%6,430
Loan loss allowance to noncurrent loans60.2548%4,359
Noncurrent assets plus other real estate owned to assets1.1666%4,844
Noncurrent loans to loans1.6709%4,241
Net loans and leases to total assets69.1163%3,133
Net loans and leases to deposits74.6056%4,656
Net loans and leases to core deposits78.8866%4,909
Total domestic deposits to total assets92.6422%149
Equity capital to assets7.1935%7,288
Core capital (leverage) ratio7.1873%7,112
Tier 1 risk-based capital ratio10.2433%6,851
Total risk-based capital ratio11.3343%6,970
Memoranda:
Average total assets$133,958,5004,326
Average earning assets$126,001,0004,243
Average equity$9,542,0005,367
Average total loans$95,205,0004,094
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5322%3,981
Cost of funding earning assets2.1378%2,292
Net interest margin3.3944%5,389
Noninterest income to average assets0.1377%7,061
Noninterest expense to average assets2.2779%6,804
Loan and lease loss provision to assets0.1712%5,981
Net operating income to assets0.5452%3,549
Return on assets (ROA)0.5157%3,765
Pretax return on assets0.8528%3,078
Return on Equity (ROE)8.2936%2,264
Retained earnings to average equity (ytd only)8.2936%631
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0373%4,997
Assets per employee ($millions)4.4446%3,027
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.8979%6,821
Loan loss allowance to noncurrent loans51.9496%4,903
Noncurrent assets plus other real estate owned to assets1.2502%4,594
Noncurrent loans to loans1.7284%4,042
Net loans and leases to total assets71.6840%2,837
Net loans and leases to deposits77.2967%4,504
Net loans and leases to core deposits95.6116%4,502
Total domestic deposits to total assets92.7388%155
Equity capital to assets7.0520%7,346
Core capital (leverage) ratio7.0520%7,196
Tier 1 risk-based capital ratio9.0699%7,440
Total risk-based capital ratio9.9975%7,584
Memoranda:
Average total assets$134,379,6004,254
Average earning assets$127,093,0004,151
Average equity$8,355,8005,820
Average total loans$94,569,2004,094
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5093%4,375
Cost of funding earning assets2.2838%2,051
Net interest margin3.2255%5,932
Noninterest income to average assets0.1515%7,100
Noninterest expense to average assets2.1667%7,060
Loan and lease loss provision to assets0.1386%5,968
Net operating income to assets0.5463%3,805
Return on assets (ROA)0.5070%4,040
Pretax return on assets0.8407%3,410
Return on Equity (ROE)8.4340%2,472
Retained earnings to average equity (ytd only)8.4340%1,000
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5517%5,068
Assets per employee ($millions)4.6223%2,669
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.8079%7,092
Loan loss allowance to noncurrent loans69.0667%3,856
Noncurrent assets plus other real estate owned to assets0.8113%5,473
Noncurrent loans to loans1.1697%4,988
Net loans and leases to total assets68.7996%3,770
Net loans and leases to deposits73.8894%5,379
Net loans and leases to core deposits91.2685%5,301
Total domestic deposits to total assets93.1116%79
Equity capital to assets6.6995%7,709
Core capital (leverage) ratio6.6995%7,583
Tier 1 risk-based capital ratio8.6011%7,722
Total risk-based capital ratio9.4143%7,788
Memoranda:
Average total assets$134,640,0004,264
Average earning assets$127,564,0004,165
Average equity$8,094,0005,950
Average total loans$94,099,5004,145
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5523%4,326
Cost of funding earning assets2.5075%1,585
Net interest margin3.0448%6,417
Noninterest income to average assets0.1620%7,115
Noninterest expense to average assets2.2281%6,979
Loan and lease loss provision to assets0.0525%6,701
Net operating income to assets0.4646%4,238
Return on assets (ROA)0.4051%4,604
Pretax return on assets0.6707%4,097
Return on Equity (ROE)7.0172%3,196
Retained earnings to average equity (ytd only)7.0172%1,578
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1888%4,157
Assets per employee ($millions)4.3013%3,116
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.7487%7,305
Loan loss allowance to noncurrent loans63.8376%4,247
Noncurrent assets plus other real estate owned to assets0.8130%5,361
Noncurrent loans to loans1.1728%4,873
Net loans and leases to total assets68.8016%3,997
Net loans and leases to deposits73.8499%5,473
Net loans and leases to core deposits92.4435%5,302
Total domestic deposits to total assets93.1641%90
Equity capital to assets6.6297%7,775
Core capital (leverage) ratio6.6297%7,727
Tier 1 risk-based capital ratio9.4673%7,420
Total risk-based capital ratio10.2931%7,687
Memoranda:
Average total assets$133,297,3304,322
Average earning assets$126,182,6704,224
Average equity$7,695,3306,122
Average total loans$93,406,0004,189
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7007%3,804
Cost of funding earning assets2.6978%1,281
Net interest margin3.0029%6,472
Noninterest income to average assets0.1351%7,331
Noninterest expense to average assets2.1759%6,932
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.4860%4,486
Return on assets (ROA)0.3842%5,110
Pretax return on assets0.6363%4,635
Return on Equity (ROE)7.1880%3,509
Retained earnings to average equity (ytd only)7.1880%2,139
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2323%3,968
Assets per employee ($millions)4.2852%3,105
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7140%7,400
Loan loss allowance to noncurrent loans60.6089%4,562
Noncurrent assets plus other real estate owned to assets0.8160%5,140
Noncurrent loans to loans1.1781%4,621
Net loans and leases to total assets68.7727%3,957
Net loans and leases to deposits72.8256%5,643
Net loans and leases to core deposits87.6295%5,773
Total domestic deposits to total assets94.4347%30
Equity capital to assets5.3183%8,090
Core capital (leverage) ratio5.3183%8,095
Tier 1 risk-based capital ratio7.9759%8,014
Total risk-based capital ratio8.7918%8,070
Memoranda:
Average total assets$133,276,0004,344
Average earning assets$125,879,5004,245
Average equity$7,123,0006,366
Average total loans$93,893,0004,218
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9738%5,672
Cost of funding earning assets3.2635%1,013
Net interest margin2.7102%7,485
Noninterest income to average assets0.1630%7,257
Noninterest expense to average assets2.0340%7,382
Loan and lease loss provision to assets1.7411%736
Net operating income to assets-1.3026%7,391
Return on assets (ROA)-1.8536%7,524
Pretax return on assets-1.5789%7,292
Return on Equity (ROE)-28.7366%7,939
Retained earnings to average equity (ytd only)-29.0876%7,893
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0385%3,566
Assets per employee ($millions)3.6138%4,383
Cash dividends to net income (ytd only)*-1.2215%7,691
Condition Ratios (%)
Loss allowance to loans0.6860%7,464
Loan loss allowance to noncurrent loans60.8333%4,959
Noncurrent assets plus other real estate owned to assets0.8077%4,824
Noncurrent loans to loans1.1277%4,291
Net loans and leases to total assets71.1338%3,762
Net loans and leases to deposits75.3299%5,678
Net loans and leases to core deposits94.9108%5,362
Total domestic deposits to total assets94.4297%19
Equity capital to assets5.3706%8,147
Core capital (leverage) ratio5.3706%8,179
Tier 1 risk-based capital ratio9.1923%7,624
Total risk-based capital ratio10.0333%7,982
Memoranda:
Average total assets$132,500,4004,225
Average earning assets$126,335,8004,120
Average equity$8,546,6005,892
Average total loans$89,278,6004,252