Home > State Bank in Eden Valley > Performance and Condition Ratios

State Bank in Eden Valley, Performance and Condition Ratios

2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5709%4,633
Cost of funding earning assets0.1520%5,472
Net interest margin3.4189%3,777
Noninterest income to average assets0.1972%5,280
Noninterest expense to average assets2.8084%2,973
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6705%4,000
Return on assets (ROA)0.8244%3,389
Pretax return on assets0.8244%4,233
Return on Equity (ROE)9.3983%2,307
Retained earnings to average equity (ytd only)-6.2506%5,772
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7256%1,339
Assets per employee ($millions)4.4646%3,140
Cash dividends to net income (ytd only)*166.5076%116
Condition Ratios (%)
Loss allowance to loans0.9957%4,442
Loan loss allowance to noncurrent loans765.0000%749
Noncurrent assets plus other real estate owned to assets0.5768%3,174
Noncurrent loans to loans0.1302%4,820
Net loans and leases to total assets42.5932%5,267
Net loans and leases to deposits46.3910%5,448
Net loans and leases to core deposits46.3910%5,500
Total domestic deposits to total assets91.8134%86
Equity capital to assets8.0886%5,710
Core capital (leverage) ratio8.8256%5,030
Tier 1 risk-based capital ratio13.3111%3,973
Total risk-based capital ratio14.0005%4,222
Memoranda:
Average total assets$33,802,5005,712
Average earning assets$32,446,5005,679
Average equity$2,965,0005,824
Average total loans$15,797,5005,701
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6086%4,562
Cost of funding earning assets0.1509%5,543
Net interest margin3.4577%3,652
Noninterest income to average assets0.3196%4,495
Noninterest expense to average assets2.8706%2,772
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.7659%3,473
Return on assets (ROA)0.9046%2,968
Pretax return on assets0.9046%3,935
Return on Equity (ROE)10.0323%2,038
Retained earnings to average equity (ytd only)-9.9655%5,882
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.9386%1,650
Assets per employee ($millions)3.6164%4,573
Cash dividends to net income (ytd only)*199.3333%105
Condition Ratios (%)
Loss allowance to loans0.9963%4,558
Loan loss allowance to noncurrent loans84.5304%4,017
Noncurrent assets plus other real estate owned to assets1.1276%1,869
Noncurrent loans to loans1.1786%1,951
Net loans and leases to total assets46.7125%5,084
Net loans and leases to deposits51.4919%5,273
Net loans and leases to core deposits51.4919%5,382
Total domestic deposits to total assets90.7183%255
Equity capital to assets9.2233%5,049
Core capital (leverage) ratio9.2257%4,553
Tier 1 risk-based capital ratio13.7931%3,725
Total risk-based capital ratio14.5099%3,955
Memoranda:
Average total assets$33,164,3305,796
Average earning assets$31,813,0005,756
Average equity$2,990,3305,893
Average total loans$15,941,3305,766
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6615%4,445
Cost of funding earning assets0.1614%5,538
Net interest margin3.5001%3,477
Noninterest income to average assets0.3227%4,421
Noninterest expense to average assets2.7605%3,210
Loan and lease loss provision to assets0.1793%1,130
Net operating income to assets0.7529%3,470
Return on assets (ROA)0.7529%3,580
Pretax return on assets0.7529%4,358
Return on Equity (ROE)8.4436%2,684
Retained earnings to average equity (ytd only)-21.9802%5,982
Net charge-offs to loans0.0493%2,054
Credit loss provision to net charge-offs750.0000%450
Earnings coverage of net charge-offs (x)39.0000%1,019
Efficiency ratio74.7573%2,363
Assets per employee ($millions)3.6031%4,642
Cash dividends to net income (ytd only)*360.3175%80
Condition Ratios (%)
Loss allowance to loans1.0368%4,407
Loan loss allowance to noncurrent loans124.6269%3,150
Noncurrent assets plus other real estate owned to assets0.9868%2,237
Noncurrent loans to loans0.8319%2,762
Net loans and leases to total assets49.1581%4,879
Net loans and leases to deposits54.4880%5,073
Net loans and leases to core deposits54.4880%5,217
Total domestic deposits to total assets90.2183%521
Equity capital to assets9.0416%5,130
Core capital (leverage) ratio8.6183%5,273
Tier 1 risk-based capital ratio11.3483%5,312
Total risk-based capital ratio11.9954%5,546
Memoranda:
Average total assets$33,472,5005,848
Average earning assets$32,227,5005,801
Average equity$2,984,5005,948
Average total loans$16,233,5005,814
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7856%4,088
Cost of funding earning assets0.1612%5,601
Net interest margin3.6244%3,040
Noninterest income to average assets0.2908%4,812
Noninterest expense to average assets2.8021%3,221
Loan and lease loss provision to assets-0.1212%5,883
Net operating income to assets1.0845%1,989
Return on assets (ROA)1.1026%1,983
Pretax return on assets1.1026%3,044
Return on Equity (ROE)12.3206%1,228
Retained earnings to average equity (ytd only)0.4400%5,339
Net charge-offs to loans0.2339%1,273
Credit loss provision to net charge-offs-100.0000%5,143
Earnings coverage of net charge-offs (x)7.9500%3,021
Efficiency ratio74.4167%2,514
Assets per employee ($millions)3.8352%4,235
Cash dividends to net income (ytd only)*96.4286%463
Condition Ratios (%)
Loss allowance to loans0.9353%4,938
Loan loss allowance to noncurrent loans173.8636%2,508
Noncurrent assets plus other real estate owned to assets0.6084%3,245
Noncurrent loans to loans0.5379%3,550
Net loans and leases to total assets46.9508%5,095
Net loans and leases to deposits51.5114%5,309
Net loans and leases to core deposits53.2025%5,358
Total domestic deposits to total assets91.1464%250
Equity capital to assets8.7986%5,307
Core capital (leverage) ratio9.1008%4,756
Tier 1 risk-based capital ratio14.4108%3,488
Total risk-based capital ratio15.1237%3,716
Memoranda:
Average total assets$33,011,4005,909
Average earning assets$31,646,4005,864
Average equity$2,954,4006,009
Average total loans$17,102,8005,825
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8759%3,827
Cost of funding earning assets0.1620%5,689
Net interest margin3.7139%2,704
Noninterest income to average assets0.3064%4,747
Noninterest expense to average assets2.7986%3,193
Loan and lease loss provision to assets-0.2043%6,101
Net operating income to assets1.2706%1,423
Return on assets (ROA)1.2910%1,418
Pretax return on assets1.2910%2,427
Return on Equity (ROE)14.3611%831
Retained earnings to average equity (ytd only)-1.8635%5,844
Net charge-offs to loans-0.0617%5,612
Credit loss provision to net charge-offs625.0000%542
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4101%2,808
Assets per employee ($millions)3.7753%4,311
Cash dividends to net income (ytd only)*112.9759%255
Condition Ratios (%)
Loss allowance to loans1.1458%3,955
Loan loss allowance to noncurrent loans216.8539%2,115
Noncurrent assets plus other real estate owned to assets0.8064%2,873
Noncurrent loans to loans0.5284%3,761
Net loans and leases to total assets49.0052%5,016
Net loans and leases to deposits53.8414%5,260
Net loans and leases to core deposits55.6406%5,324
Total domestic deposits to total assets91.0177%239
Equity capital to assets8.8292%5,462
Core capital (leverage) ratio9.4173%4,406
Tier 1 risk-based capital ratio13.5877%4,089
Total risk-based capital ratio14.4489%4,246
Memoranda:
Average total assets$32,635,0005,998
Average earning assets$31,269,0005,951
Average equity$2,933,7506,094
Average total loans$17,288,7505,891
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9253%3,593
Cost of funding earning assets0.1557%5,810
Net interest margin3.7696%2,442
Noninterest income to average assets0.2983%4,823
Noninterest expense to average assets2.8334%3,121
Loan and lease loss provision to assets0.0373%3,371
Net operating income to assets1.0377%2,184
Return on assets (ROA)1.0501%2,252
Pretax return on assets1.0501%3,381
Return on Equity (ROE)11.6085%1,495
Retained earnings to average equity (ytd only)-9.2730%6,164
Net charge-offs to loans0.0459%2,779
Credit loss provision to net charge-offs150.0000%1,529
Earnings coverage of net charge-offs (x)43.2500%1,069
Efficiency ratio72.4960%2,935
Assets per employee ($millions)3.4661%4,861
Cash dividends to net income (ytd only)*179.8817%128
Condition Ratios (%)
Loss allowance to loans1.3572%2,947
Loan loss allowance to noncurrent loans903.8462%612
Noncurrent assets plus other real estate owned to assets0.6988%3,304
Noncurrent loans to loans0.1502%5,148
Net loans and leases to total assets54.7524%4,478
Net loans and leases to deposits62.2041%4,689
Net loans and leases to core deposits62.2041%4,935
Total domestic deposits to total assets88.0205%1,646
Equity capital to assets9.1361%5,101
Core capital (leverage) ratio9.2470%4,624
Tier 1 risk-based capital ratio15.1468%3,278
Total risk-based capital ratio16.3555%3,238
Memoranda:
Average total assets$32,187,3306,072
Average earning assets$30,825,6706,032
Average equity$2,911,6706,159
Average total loans$17,437,0005,945
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8657%3,764
Cost of funding earning assets0.1408%5,990
Net interest margin3.7249%2,534
Noninterest income to average assets0.2448%5,218
Noninterest expense to average assets2.6435%3,774
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1627%1,658
Return on assets (ROA)1.1749%1,724
Pretax return on assets1.1749%2,760
Return on Equity (ROE)13.0501%1,077
Retained earnings to average equity (ytd only)-17.6720%6,250
Net charge-offs to loans0.1372%1,426
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)15.8333%1,602
Efficiency ratio69.4534%3,586
Assets per employee ($millions)3.6144%4,695
Cash dividends to net income (ytd only)*235.4167%170
Condition Ratios (%)
Loss allowance to loans1.3000%3,403
Loan loss allowance to noncurrent loans98.7013%3,716
Noncurrent assets plus other real estate owned to assets0.9253%2,782
Noncurrent loans to loans1.3171%2,181
Net loans and leases to total assets53.2124%4,532
Net loans and leases to deposits60.6687%4,693
Net loans and leases to core deposits60.6687%4,942
Total domestic deposits to total assets87.7098%1,982
Equity capital to assets9.0132%5,273
Core capital (leverage) ratio9.1547%4,785
Tier 1 risk-based capital ratio14.8480%3,511
Total risk-based capital ratio15.9956%3,507
Memoranda:
Average total assets$32,683,5006,128
Average earning assets$31,249,5006,082
Average equity$2,942,5006,216
Average total loans$17,498,0005,995
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9446%3,948
Cost of funding earning assets0.1882%5,848
Net interest margin3.7564%2,788
Noninterest income to average assets0.3528%4,582
Noninterest expense to average assets2.8828%3,199
Loan and lease loss provision to assets-0.0795%6,106
Net operating income to assets1.1665%1,688
Return on assets (ROA)1.1569%1,810
Pretax return on assets1.1569%2,842
Return on Equity (ROE)13.1133%1,112
Retained earnings to average equity (ytd only)-2.1976%6,031
Net charge-offs to loans0.0543%3,749
Credit loss provision to net charge-offs-277.7778%5,691
Earnings coverage of net charge-offs (x)38.0000%1,129
Efficiency ratio72.6181%3,100
Assets per employee ($millions)3.6486%4,631
Cash dividends to net income (ytd only)*116.7582%225
Condition Ratios (%)
Loss allowance to loans1.3346%3,252
Loan loss allowance to noncurrent loans213.7615%2,126
Noncurrent assets plus other real estate owned to assets0.5451%3,987
Noncurrent loans to loans0.6244%3,816
Net loans and leases to total assets52.4561%4,747
Net loans and leases to deposits59.6826%4,931
Net loans and leases to core deposits62.9546%4,926
Total domestic deposits to total assets87.8917%1,829
Equity capital to assets8.9929%5,296
Core capital (leverage) ratio9.6907%3,981
Tier 1 risk-based capital ratio16.0718%2,928
Total risk-based capital ratio17.2876%2,885
Memoranda:
Average total assets$31,462,6006,223
Average earning assets$30,294,8006,178
Average equity$2,775,8006,309
Average total loans$16,573,8006,100
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9482%3,976
Cost of funding earning assets0.1907%5,903
Net interest margin3.7574%2,783
Noninterest income to average assets0.3556%4,596
Noninterest expense to average assets2.9263%3,036
Loan and lease loss provision to assets-0.1071%6,285
Net operating income to assets1.1654%1,805
Return on assets (ROA)1.1525%1,917
Pretax return on assets1.1525%2,974
Return on Equity (ROE)13.1305%1,191
Retained earnings to average equity (ytd only)-7.6145%6,336
Net charge-offs to loans0.0571%3,402
Credit loss provision to net charge-offs-357.1429%5,681
Earnings coverage of net charge-offs (x)35.2980%1,225
Efficiency ratio73.4409%2,912
Assets per employee ($millions)3.4413%4,973
Cash dividends to net income (ytd only)*157.9909%123
Condition Ratios (%)
Loss allowance to loans1.4234%3,063
Loan loss allowance to noncurrent loans209.8214%2,074
Noncurrent assets plus other real estate owned to assets0.5876%4,081
Noncurrent loans to loans0.6784%3,914
Net loans and leases to total assets52.5475%4,748
Net loans and leases to deposits60.0842%4,932
Net loans and leases to core deposits64.2341%4,859
Total domestic deposits to total assets87.4564%2,054
Equity capital to assets9.1599%5,200
Core capital (leverage) ratio9.7209%4,047
Tier 1 risk-based capital ratio15.7603%3,180
Total risk-based capital ratio17.0011%3,123
Memoranda:
Average total assets$31,119,0006,307
Average earning assets$30,055,2506,255
Average equity$2,731,5006,387
Average total loans$16,352,7506,172
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9374%3,987
Cost of funding earning assets0.1999%5,915
Net interest margin3.7375%2,807
Noninterest income to average assets0.3658%4,511
Noninterest expense to average assets2.9453%3,023
Loan and lease loss provision to assets-0.1604%6,437
Net operating income to assets1.1807%1,651
Return on assets (ROA)1.1614%1,786
Pretax return on assets1.1614%2,829
Return on Equity (ROE)13.4257%1,068
Retained earnings to average equity (ytd only)-14.9092%6,493
Net charge-offs to loans0.1104%2,562
Credit loss provision to net charge-offs-277.7778%5,454
Earnings coverage of net charge-offs (x)17.6667%1,721
Efficiency ratio74.2718%2,928
Assets per employee ($millions)2.9924%5,761
Cash dividends to net income (ytd only)*211.0497%113
Condition Ratios (%)
Loss allowance to loans1.4496%3,111
Loan loss allowance to noncurrent loans1,950.0000%293
Noncurrent assets plus other real estate owned to assets0.2740%5,267
Noncurrent loans to loans0.0743%5,802
Net loans and leases to total assets53.1613%4,629
Net loans and leases to deposits59.0804%4,941
Net loans and leases to core deposits63.1872%4,889
Total domestic deposits to total assets89.9813%821
Equity capital to assets9.2100%5,096
Core capital (leverage) ratio9.4503%4,398
Tier 1 risk-based capital ratio15.6591%3,264
Total risk-based capital ratio16.9055%3,210
Memoranda:
Average total assets$31,168,0006,365
Average earning assets$30,019,6706,316
Average equity$2,696,3306,446
Average total loans$16,300,3306,225
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7253%4,755
Cost of funding earning assets0.1830%6,136
Net interest margin3.5423%3,512
Noninterest income to average assets0.3649%4,472
Noninterest expense to average assets2.7053%3,918
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.0695%1,932
Return on assets (ROA)1.0821%1,954
Pretax return on assets1.0821%2,990
Return on Equity (ROE)12.9008%1,182
Retained earnings to average equity (ytd only)-31.8020%6,626
Net charge-offs to loans0.2686%1,268
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)7.7273%2,097
Efficiency ratio71.6667%3,547
Assets per employee ($millions)3.6550%4,617
Cash dividends to net income (ytd only)*346.5116%93
Condition Ratios (%)
Loss allowance to loans1.6363%2,557
Loan loss allowance to noncurrent loans12,850.0000%66
Noncurrent assets plus other real estate owned to assets0.2979%5,272
Noncurrent loans to loans0.0127%6,132
Net loans and leases to total assets46.9646%5,235
Net loans and leases to deposits52.8279%5,397
Net loans and leases to core deposits55.6841%5,375
Total domestic deposits to total assets88.9010%1,724
Equity capital to assets7.9556%6,090
Core capital (leverage) ratio9.3025%4,574
Tier 1 risk-based capital ratio14.8590%3,783
Total risk-based capital ratio16.1120%3,736
Memoranda:
Average total assets$31,790,0006,419
Average earning assets$30,601,5006,369
Average equity$2,666,5006,508
Average total loans$16,379,5006,290
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1374%3,585
Cost of funding earning assets0.2756%5,793
Net interest margin3.8618%2,424
Noninterest income to average assets1.1596%1,050
Noninterest expense to average assets3.0677%2,842
Loan and lease loss provision to assets-0.2339%6,626
Net operating income to assets2.0251%328
Return on assets (ROA)1.9182%392
Pretax return on assets1.9182%580
Return on Equity (ROE)21.0149%235
Retained earnings to average equity (ytd only)6.5900%1,635
Net charge-offs to loans-0.2222%6,631
Credit loss provision to net charge-offs200.0000%1,140
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1362%5,035
Assets per employee ($millions)3.4094%5,060
Cash dividends to net income (ytd only)*68.6411%1,367
Condition Ratios (%)
Loss allowance to loans1.5716%2,879
Loan loss allowance to noncurrent loans2,680.0000%236
Noncurrent assets plus other real estate owned to assets0.3454%5,234
Noncurrent loans to loans0.0586%6,058
Net loans and leases to total assets54.7010%4,498
Net loans and leases to deposits64.9801%4,414
Net loans and leases to core deposits66.9232%4,624
Total domestic deposits to total assets84.1812%4,098
Equity capital to assets8.8512%5,197
Core capital (leverage) ratio10.4020%3,020
Tier 1 risk-based capital ratio16.6640%2,779
Total risk-based capital ratio17.9161%2,734
Memoranda:
Average total assets$29,924,4006,515
Average earning assets$28,665,6006,476
Average equity$2,731,4006,585
Average total loans$15,755,0006,384
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1217%3,674
Cost of funding earning assets0.2914%5,802
Net interest margin3.8303%2,539
Noninterest income to average assets1.2152%991
Noninterest expense to average assets3.1613%2,476
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.7084%622
Return on assets (ROA)1.6905%662
Pretax return on assets1.6905%1,117
Return on Equity (ROE)18.3767%410
Retained earnings to average equity (ytd only)-0.8288%6,105
Net charge-offs to loans-0.2678%6,707
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9171%4,664
Assets per employee ($millions)3.2600%5,362
Cash dividends to net income (ytd only)*104.5101%357
Condition Ratios (%)
Loss allowance to loans2.1351%1,437
Loan loss allowance to noncurrent loans3,036.3636%197
Noncurrent assets plus other real estate owned to assets0.7635%4,198
Noncurrent loans to loans0.0703%6,128
Net loans and leases to total assets52.1779%4,856
Net loans and leases to deposits60.0329%4,966
Net loans and leases to core deposits61.2311%5,192
Total domestic deposits to total assets86.9155%2,743
Equity capital to assets8.6128%5,612
Core capital (leverage) ratio10.0481%3,605
Tier 1 risk-based capital ratio16.8817%2,759
Total risk-based capital ratio18.1375%2,716
Memoranda:
Average total assets$29,734,2506,591
Average earning assets$28,369,5006,552
Average equity$2,735,2506,658
Average total loans$15,430,5006,461
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1031%3,725
Cost of funding earning assets0.3032%5,804
Net interest margin3.8000%2,557
Noninterest income to average assets1.6474%592
Noninterest expense to average assets3.2948%2,084
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.9621%376
Return on assets (ROA)2.0157%370
Pretax return on assets2.0157%589
Return on Equity (ROE)21.4642%225
Retained earnings to average equity (ytd only)-4.4925%6,427
Net charge-offs to loans0.0260%4,332
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)146.5000%338
Efficiency ratio62.6752%5,071
Assets per employee ($millions)3.2719%5,330
Cash dividends to net income (ytd only)*120.9302%335
Condition Ratios (%)
Loss allowance to loans1.9199%2,057
Loan loss allowance to noncurrent loans246.7213%1,652
Noncurrent assets plus other real estate owned to assets1.1376%3,468
Noncurrent loans to loans0.7782%4,357
Net loans and leases to total assets52.2192%4,830
Net loans and leases to deposits58.5880%5,110
Net loans and leases to core deposits59.7235%5,285
Total domestic deposits to total assets89.1296%1,552
Equity capital to assets8.1774%6,072
Core capital (leverage) ratio9.6455%4,016
Tier 1 risk-based capital ratio16.2791%3,048
Total risk-based capital ratio17.5317%3,000
Memoranda:
Average total assets$29,865,6706,638
Average earning assets$28,368,6706,602
Average equity$2,804,6706,693
Average total loans$15,359,6706,507
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1346%3,576
Cost of funding earning assets0.3104%5,888
Net interest margin3.8242%2,363
Noninterest income to average assets1.1438%1,141
Noninterest expense to average assets3.4048%1,827
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3433%1,165
Return on assets (ROA)1.4896%955
Pretax return on assets1.4896%1,586
Return on Equity (ROE)14.9184%787
Retained earnings to average equity (ytd only)12.5208%622
Net charge-offs to loans0.0789%3,047
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)33.6667%900
Efficiency ratio71.7087%3,673
Assets per employee ($millions)3.3633%5,298
Cash dividends to net income (ytd only)*16.0714%2,370
Condition Ratios (%)
Loss allowance to loans1.9649%2,134
Loan loss allowance to noncurrent loans2,000.0000%259
Noncurrent assets plus other real estate owned to assets2.7816%1,629
Noncurrent loans to loans0.0982%6,184
Net loans and leases to total assets49.4483%5,056
Net loans and leases to deposits55.0173%5,344
Net loans and leases to core deposits56.0452%5,515
Total domestic deposits to total assets89.8778%1,124
Equity capital to assets9.9571%4,199
Core capital (leverage) ratio10.3395%2,984
Tier 1 risk-based capital ratio16.8023%2,858
Total risk-based capital ratio18.0563%2,820
Memoranda:
Average total assets$30,075,0006,702
Average earning assets$28,346,0006,664
Average equity$3,003,0006,722
Average total loans$15,200,5006,574
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7708%2,318
Cost of funding earning assets0.4142%5,823
Net interest margin4.3566%1,262
Noninterest income to average assets0.6377%3,066
Noninterest expense to average assets3.5795%1,660
Loan and lease loss provision to assets0.1409%3,847
Net operating income to assets0.9935%2,369
Return on assets (ROA)1.7792%596
Pretax return on assets1.7792%958
Return on Equity (ROE)17.0389%534
Retained earnings to average equity (ytd only)1.7208%5,001
Net charge-offs to loans0.0495%5,220
Credit loss provision to net charge-offs500.0000%481
Earnings coverage of net charge-offs (x)40.2500%796
Efficiency ratio75.9342%2,755
Assets per employee ($millions)3.3200%5,382
Cash dividends to net income (ytd only)*89.9010%706
Condition Ratios (%)
Loss allowance to loans2.0022%2,011
Loan loss allowance to noncurrent loans369.5122%1,071
Noncurrent assets plus other real estate owned to assets3.6780%1,208
Noncurrent loans to loans0.5419%5,174
Net loans and leases to total assets49.6319%5,219
Net loans and leases to deposits55.2492%5,524
Net loans and leases to core deposits57.9455%5,546
Total domestic deposits to total assets89.8327%1,049
Equity capital to assets10.0134%4,147
Core capital (leverage) ratio10.0438%3,344
Tier 1 risk-based capital ratio16.3555%2,962
Total risk-based capital ratio17.6646%2,899
Memoranda:
Average total assets$28,383,8006,795
Average earning assets$26,557,4006,752
Average equity$2,963,8006,791
Average total loans$16,160,4006,590
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8751%2,105
Cost of funding earning assets0.4275%5,945
Net interest margin4.4477%1,095
Noninterest income to average assets0.6759%2,840
Noninterest expense to average assets3.5701%1,613
Loan and lease loss provision to assets0.1428%3,746
Net operating income to assets1.1234%2,011
Return on assets (ROA)2.0659%393
Pretax return on assets2.0659%610
Return on Equity (ROE)19.5705%357
Retained earnings to average equity (ytd only)-0.6314%6,208
Net charge-offs to loans-0.6010%7,103
Credit loss provision to net charge-offs-40.5405%6,162
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8189%3,019
Assets per employee ($millions)3.1676%5,701
Cash dividends to net income (ytd only)*103.2265%302
Condition Ratios (%)
Loss allowance to loans2.3826%1,393
Loan loss allowance to noncurrent loans267.8571%1,371
Noncurrent assets plus other real estate owned to assets4.2129%1,127
Noncurrent loans to loans0.8895%4,651
Net loans and leases to total assets53.8936%4,765
Net loans and leases to deposits60.2793%5,171
Net loans and leases to core deposits63.3855%5,217
Total domestic deposits to total assets89.4065%1,188
Equity capital to assets10.3760%3,978
Core capital (leverage) ratio10.4913%2,923
Tier 1 risk-based capital ratio15.5389%3,509
Total risk-based capital ratio16.8513%3,445
Memoranda:
Average total assets$28,009,7506,891
Average earning assets$26,200,2506,845
Average equity$2,956,7506,883
Average total loans$16,417,2506,663
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9827%1,830
Cost of funding earning assets0.4599%5,905
Net interest margin4.5227%953
Noninterest income to average assets0.8404%2,003
Noninterest expense to average assets3.3544%2,143
Loan and lease loss provision to assets0.1077%4,176
Net operating income to assets1.6162%814
Return on assets (ROA)2.6002%165
Pretax return on assets2.6002%260
Return on Equity (ROE)24.4898%161
Retained earnings to average equity (ytd only)-2.7061%6,431
Net charge-offs to loans-0.9133%7,174
Credit loss provision to net charge-offs-19.7368%5,944
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0537%4,523
Assets per employee ($millions)3.1167%5,807
Cash dividends to net income (ytd only)*111.0497%334
Condition Ratios (%)
Loss allowance to loans2.1870%1,801
Loan loss allowance to noncurrent loans115.6550%2,822
Noncurrent assets plus other real estate owned to assets4.1355%1,211
Noncurrent loans to loans1.8910%3,089
Net loans and leases to total assets57.7184%4,217
Net loans and leases to deposits64.6307%4,682
Net loans and leases to core deposits68.0224%4,783
Total domestic deposits to total assets89.3048%1,330
Equity capital to assets10.5205%3,664
Core capital (leverage) ratio10.5381%2,766
Tier 1 risk-based capital ratio15.2097%3,624
Total risk-based capital ratio16.5191%3,557
Memoranda:
Average total assets$27,843,6706,950
Average earning assets$26,090,3306,899
Average equity$2,956,3306,921
Average total loans$16,643,3306,708
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0400%1,753
Cost of funding earning assets0.4917%5,867
Net interest margin4.5483%924
Noninterest income to average assets1.2689%883
Noninterest expense to average assets3.5183%1,720
Loan and lease loss provision to assets0.2163%2,777
Net operating income to assets1.8024%596
Return on assets (ROA)2.9127%135
Pretax return on assets2.9127%201
Return on Equity (ROE)27.3065%136
Retained earnings to average equity (ytd only)-7.7053%6,749
Net charge-offs to loans-1.6058%7,241
Credit loss provision to net charge-offs-22.3881%5,380
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5417%5,012
Assets per employee ($millions)3.0856%5,989
Cash dividends to net income (ytd only)*128.2178%388
Condition Ratios (%)
Loss allowance to loans2.1382%2,006
Loan loss allowance to noncurrent loans84.6523%3,519
Noncurrent assets plus other real estate owned to assets4.1700%1,307
Noncurrent loans to loans2.5259%2,582
Net loans and leases to total assets58.1779%4,004
Net loans and leases to deposits65.1767%4,467
Net loans and leases to core deposits70.0759%4,409
Total domestic deposits to total assets89.2618%1,509
Equity capital to assets10.5618%3,417
Core capital (leverage) ratio10.3255%2,961
Tier 1 risk-based capital ratio13.7998%4,611
Total risk-based capital ratio15.1014%4,545
Memoranda:
Average total assets$27,740,5007,006
Average earning assets$26,031,5006,955
Average equity$2,959,0006,970
Average total loans$16,689,0006,762
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2982%1,703
Cost of funding earning assets0.6589%5,777
Net interest margin4.6393%851
Noninterest income to average assets0.4383%4,311
Noninterest expense to average assets3.4380%2,144
Loan and lease loss provision to assets0.6466%1,577
Net operating income to assets0.7041%3,468
Return on assets (ROA)1.4585%986
Pretax return on assets1.4585%1,605
Return on Equity (ROE)15.3428%693
Retained earnings to average equity (ytd only)15.3428%117
Net charge-offs to loans1.0778%1,602
Credit loss provision to net charge-offs96.7742%3,720
Earnings coverage of net charge-offs (x)2.0215%4,258
Efficiency ratio71.7929%3,617
Assets per employee ($millions)3.0790%5,938
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6065%3,562
Loan loss allowance to noncurrent loans46.0884%5,248
Noncurrent assets plus other real estate owned to assets5.1857%1,008
Noncurrent loans to loans3.4857%1,837
Net loans and leases to total assets59.8968%4,011
Net loans and leases to deposits67.2120%4,553
Net loans and leases to core deposits72.2846%4,475
Total domestic deposits to total assets89.1162%1,471
Equity capital to assets10.7719%3,226
Core capital (leverage) ratio10.5387%2,677
Tier 1 risk-based capital ratio13.4253%4,752
Total risk-based capital ratio14.6760%4,719
Memoranda:
Average total assets$27,836,0007,027
Average earning assets$26,103,2006,982
Average equity$2,646,2007,084
Average total loans$17,257,8006,791
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3877%1,550
Cost of funding earning assets0.6983%5,775
Net interest margin4.6894%779
Noninterest income to average assets0.4354%4,399
Noninterest expense to average assets3.3826%2,241
Loan and lease loss provision to assets0.7894%1,186
Net operating income to assets0.6650%3,795
Return on assets (ROA)1.3827%1,270
Pretax return on assets1.3827%1,992
Return on Equity (ROE)15.0427%835
Retained earnings to average equity (ytd only)15.0427%227
Net charge-offs to loans0.1152%4,865
Credit loss provision to net charge-offs1,100.0000%245
Earnings coverage of net charge-offs (x)20.2660%1,227
Efficiency ratio69.9308%3,966
Assets per employee ($millions)3.0412%6,027
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.4740%1,432
Loan loss allowance to noncurrent loans54.8263%4,718
Noncurrent assets plus other real estate owned to assets4.2819%1,422
Noncurrent loans to loans4.5125%1,430
Net loans and leases to total assets61.3533%3,878
Net loans and leases to deposits68.8915%4,463
Net loans and leases to core deposits74.1642%4,426
Total domestic deposits to total assets89.0578%1,397
Equity capital to assets10.7340%3,435
Core capital (leverage) ratio10.1683%3,224
Tier 1 risk-based capital ratio14.9505%3,688
Total risk-based capital ratio16.2624%3,621
Memoranda:
Average total assets$27,867,2507,096
Average earning assets$26,157,5007,053
Average equity$2,561,5007,174
Average total loans$17,355,0006,856
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4400%1,447
Cost of funding earning assets0.7401%5,737
Net interest margin4.7000%726
Noninterest income to average assets0.3781%4,865
Noninterest expense to average assets3.3604%2,369
Loan and lease loss provision to assets0.4994%1,965
Net operating income to assets0.9132%2,580
Return on assets (ROA)1.2985%1,397
Pretax return on assets1.2985%2,142
Return on Equity (ROE)14.9425%815
Retained earnings to average equity (ytd only)14.9425%256
Net charge-offs to loans0.1954%3,981
Credit loss provision to net charge-offs411.7647%732
Earnings coverage of net charge-offs (x)11.6471%1,697
Efficiency ratio70.4036%4,032
Assets per employee ($millions)3.0511%5,976
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.8438%2,846
Loan loss allowance to noncurrent loans53.6705%4,800
Noncurrent assets plus other real estate owned to assets4.0313%1,584
Noncurrent loans to loans3.4353%2,061
Net loans and leases to total assets63.7837%3,513
Net loans and leases to deposits70.9368%4,302
Net loans and leases to core deposits80.7738%3,680
Total domestic deposits to total assets89.9162%1,017
Equity capital to assets9.9709%4,194
Core capital (leverage) ratio9.8157%3,497
Tier 1 risk-based capital ratio13.9365%4,215
Total risk-based capital ratio15.2393%4,152
Memoranda:
Average total assets$28,032,6707,161
Average earning assets$26,213,0007,119
Average equity$2,436,0007,260
Average total loans$17,400,3306,922
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4092%1,531
Cost of funding earning assets0.7727%5,732
Net interest margin4.6365%804
Noninterest income to average assets0.7345%2,363
Noninterest expense to average assets3.4464%2,152
Loan and lease loss provision to assets0.8475%974
Net operating income to assets0.7627%3,203
Return on assets (ROA)0.7062%3,562
Pretax return on assets0.7062%4,284
Return on Equity (ROE)8.7527%2,588
Retained earnings to average equity (ytd only)8.7527%1,473
Net charge-offs to loans0.1630%3,504
Credit loss provision to net charge-offs857.1429%446
Earnings coverage of net charge-offs (x)16.2857%1,273
Efficiency ratio68.1564%4,627
Assets per employee ($millions)3.1288%5,874
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.9522%2,536
Loan loss allowance to noncurrent loans34.4503%5,990
Noncurrent assets plus other real estate owned to assets5.9093%990
Noncurrent loans to loans5.6666%1,149
Net loans and leases to total assets58.6811%4,515
Net loans and leases to deposits64.0987%5,241
Net loans and leases to core deposits66.0194%5,508
Total domestic deposits to total assets91.5480%405
Equity capital to assets8.2993%6,165
Core capital (leverage) ratio9.1153%4,427
Tier 1 risk-based capital ratio13.3114%4,564
Total risk-based capital ratio14.6149%4,512
Memoranda:
Average total assets$28,319,0007,204
Average earning assets$26,399,5007,162
Average equity$2,285,0007,344
Average total loans$17,178,5006,990
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4932%2,314
Cost of funding earning assets1.1631%4,775
Net interest margin4.3301%1,712
Noninterest income to average assets-0.2032%7,469
Noninterest expense to average assets3.7358%1,616
Loan and lease loss provision to assets1.4903%998
Net operating income to assets-1.4699%6,904
Return on assets (ROA)-0.8908%6,654
Pretax return on assets-0.8908%6,573
Return on Equity (ROE)-10.7015%6,756
Retained earnings to average equity (ytd only)-10.7015%6,697
Net charge-offs to loans3.2880%466
Credit loss provision to net charge-offs69.5103%5,876
Earnings coverage of net charge-offs (x)0.0095%6,116
Efficiency ratio99.4590%794
Assets per employee ($millions)3.1643%5,745
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5768%3,674
Loan loss allowance to noncurrent loans34.4569%6,020
Noncurrent assets plus other real estate owned to assets4.4419%1,501
Noncurrent loans to loans4.5761%1,540
Net loans and leases to total assets60.4937%4,585
Net loans and leases to deposits66.9959%5,256
Net loans and leases to core deposits71.8372%5,231
Total domestic deposits to total assets90.2946%937
Equity capital to assets7.8409%6,649
Core capital (leverage) ratio8.5211%5,324
Tier 1 risk-based capital ratio12.7133%4,852
Total risk-based capital ratio14.0136%4,775
Memoranda:
Average total assets$29,525,0007,219
Average earning assets$26,996,8007,196
Average equity$2,457,6007,405
Average total loans$19,251,8006,962
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5598%2,214
Cost of funding earning assets1.2333%4,670
Net interest margin4.3265%1,751
Noninterest income to average assets0.4566%4,509
Noninterest expense to average assets4.4896%605
Loan and lease loss provision to assets1.8352%680
Net operating income to assets-1.9427%7,224
Return on assets (ROA)-1.3787%7,088
Pretax return on assets-1.3787%7,004
Return on Equity (ROE)-16.3365%7,140
Retained earnings to average equity (ytd only)-16.3365%7,116
Net charge-offs to loans4.3069%255
Credit loss provision to net charge-offs64.4654%5,580
Earnings coverage of net charge-offs (x)-0.0377%6,062
Efficiency ratio102.4515%671
Assets per employee ($millions)2.9836%6,182
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3928%4,500
Loan loss allowance to noncurrent loans34.3662%6,033
Noncurrent assets plus other real estate owned to assets5.3526%1,167
Noncurrent loans to loans4.0527%1,840
Net loans and leases to total assets57.8999%5,279
Net loans and leases to deposits64.7610%5,813
Net loans and leases to core deposits72.1023%5,498
Total domestic deposits to total assets89.4054%1,172
Equity capital to assets8.6875%6,036
Core capital (leverage) ratio8.4873%5,536
Tier 1 risk-based capital ratio12.1913%5,282
Total risk-based capital ratio13.4014%5,280
Memoranda:
Average total assets$29,786,5007,301
Average earning assets$27,026,5007,276
Average equity$2,513,7507,489
Average total loans$19,688,7507,035
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6351%2,004
Cost of funding earning assets1.3378%4,274
Net interest margin4.2974%1,789
Noninterest income to average assets0.4904%4,189
Noninterest expense to average assets4.7497%458
Loan and lease loss provision to assets2.1498%564
Net operating income to assets-2.5462%7,427
Return on assets (ROA)-2.4857%7,423
Pretax return on assets-2.4857%7,363
Return on Equity (ROE)-29.7467%7,433
Retained earnings to average equity (ytd only)-29.7467%7,417
Net charge-offs to loans3.6057%401
Credit loss provision to net charge-offs86.9565%4,518
Earnings coverage of net charge-offs (x)-0.1603%5,849
Efficiency ratio109.1049%564
Assets per employee ($millions)2.8521%6,448
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1453%1,876
Loan loss allowance to noncurrent loans44.4562%5,348
Noncurrent assets plus other real estate owned to assets5.7607%1,045
Noncurrent loans to loans4.8257%1,464
Net loans and leases to total assets67.3293%3,541
Net loans and leases to deposits75.4064%4,436
Net loans and leases to core deposits80.0692%4,686
Total domestic deposits to total assets89.2886%1,288
Equity capital to assets8.7900%5,766
Core capital (leverage) ratio8.1243%6,078
Tier 1 risk-based capital ratio11.1587%6,084
Total risk-based capital ratio12.4622%6,010
Memoranda:
Average total assets$29,770,0007,351
Average earning assets$26,760,6707,346
Average equity$2,487,6707,552
Average total loans$20,412,0007,046
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6820%1,843
Cost of funding earning assets1.3982%4,189
Net interest margin4.2838%1,739
Noninterest income to average assets0.5396%3,733
Noninterest expense to average assets3.3295%2,434
Loan and lease loss provision to assets1.8424%611
Net operating income to assets-0.8423%7,025
Return on assets (ROA)-0.7765%7,020
Pretax return on assets-0.7765%6,938
Return on Equity (ROE)-9.5238%7,118
Retained earnings to average equity (ytd only)-9.5238%6,932
Net charge-offs to loans0.6152%2,275
Credit loss provision to net charge-offs437.5000%952
Earnings coverage of net charge-offs (x)2.3750%3,352
Efficiency ratio76.8997%3,073
Assets per employee ($millions)3.0220%6,163
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.8336%949
Loan loss allowance to noncurrent loans32.9150%6,214
Noncurrent assets plus other real estate owned to assets6.6612%839
Noncurrent loans to loans8.6088%592
Net loans and leases to total assets65.4732%3,995
Net loans and leases to deposits75.1120%4,558
Net loans and leases to core deposits80.7955%4,663
Total domestic deposits to total assets87.1674%2,539
Equity capital to assets8.1502%6,492
Core capital (leverage) ratio8.2324%5,864
Tier 1 risk-based capital ratio11.5005%5,671
Total risk-based capital ratio12.7666%5,632
Memoranda:
Average total assets$30,394,5007,427
Average earning assets$26,892,0007,430
Average equity$2,478,0007,642
Average total loans$20,806,0007,106
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0016%1,861
Cost of funding earning assets1.9067%3,429
Net interest margin4.0949%2,478
Noninterest income to average assets0.6086%3,559
Noninterest expense to average assets3.6065%2,120
Loan and lease loss provision to assets1.3589%1,698
Net operating income to assets-0.6086%6,281
Return on assets (ROA)-0.4154%6,094
Pretax return on assets-0.4154%5,935
Return on Equity (ROE)-4.7496%6,190
Retained earnings to average equity (ytd only)-12.7393%6,740
Net charge-offs to loans0.6600%3,206
Credit loss provision to net charge-offs310.2941%1,062
Earnings coverage of net charge-offs (x)1.7132%4,456
Efficiency ratio82.7790%2,505
Assets per employee ($millions)3.0569%6,078
Cash dividends to net income (ytd only)*-168.2171%7,928
Condition Ratios (%)
Loss allowance to loans2.2072%1,639
Loan loss allowance to noncurrent loans22.4832%6,941
Noncurrent assets plus other real estate owned to assets7.6744%618
Noncurrent loans to loans9.8169%427
Net loans and leases to total assets67.9774%3,706
Net loans and leases to deposits77.8977%4,396
Net loans and leases to core deposits90.3360%5,086
Total domestic deposits to total assets87.2649%2,348
Equity capital to assets8.1553%6,397
Core capital (leverage) ratio8.2636%5,695
Tier 1 risk-based capital ratio11.2175%5,696
Total risk-based capital ratio12.5202%5,595
Memoranda:
Average total assets$31,055,2007,438
Average earning assets$28,425,8007,416
Average equity$2,716,0007,668
Average total loans$20,607,6007,160
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0284%1,923
Cost of funding earning assets1.9894%3,414
Net interest margin4.0390%2,638
Noninterest income to average assets0.6287%3,508
Noninterest expense to average assets3.3144%2,854
Loan and lease loss provision to assets1.3771%1,394
Net operating income to assets-0.3378%6,250
Return on assets (ROA)-0.0855%5,904
Pretax return on assets-0.0855%5,826
Return on Equity (ROE)-0.9622%5,923
Retained earnings to average equity (ytd only)-11.4487%6,913
Net charge-offs to loans1.0433%1,897
Credit loss provision to net charge-offs201.2500%2,220
Earnings coverage of net charge-offs (x)1.5187%4,645
Efficiency ratio76.1297%3,489
Assets per employee ($millions)2.8451%6,549
Cash dividends to net income (ytd only)*-1,089.8388%8,082
Condition Ratios (%)
Loss allowance to loans1.6454%2,822
Loan loss allowance to noncurrent loans16.9284%7,246
Noncurrent assets plus other real estate owned to assets7.5058%594
Noncurrent loans to loans9.7200%417
Net loans and leases to total assets65.8934%4,457
Net loans and leases to deposits78.8785%4,582
Net loans and leases to core deposits94.2117%4,995
Total domestic deposits to total assets83.5378%3,935
Equity capital to assets8.6720%6,000
Core capital (leverage) ratio8.5511%5,399
Tier 1 risk-based capital ratio11.6850%5,256
Total risk-based capital ratio12.9785%5,163
Memoranda:
Average total assets$31,176,7507,497
Average earning assets$28,752,0007,472
Average equity$2,771,7507,727
Average total loans$20,447,2507,235
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0928%1,814
Cost of funding earning assets2.0979%3,278
Net interest margin3.9949%2,718
Noninterest income to average assets0.6552%3,305
Noninterest expense to average assets3.2823%3,038
Loan and lease loss provision to assets1.8113%910
Net operating income to assets-0.7322%6,775
Return on assets (ROA)-0.6102%6,676
Pretax return on assets-0.6102%6,536
Return on Equity (ROE)-6.8076%6,778
Retained earnings to average equity (ytd only)-22.3576%7,527
Net charge-offs to loans0.2861%3,761
Credit loss provision to net charge-offs972.4138%506
Earnings coverage of net charge-offs (x)5.7931%2,759
Efficiency ratio75.2577%3,837
Assets per employee ($millions)3.0546%5,986
Cash dividends to net income (ytd only)*-228.4211%8,130
Condition Ratios (%)
Loss allowance to loans2.0710%1,439
Loan loss allowance to noncurrent loans34.4392%6,153
Noncurrent assets plus other real estate owned to assets5.0907%1,030
Noncurrent loans to loans6.0134%908
Net loans and leases to total assets67.4949%4,249
Net loans and leases to deposits80.7908%4,424
Net loans and leases to core deposits94.7342%5,034
Total domestic deposits to total assets83.5429%3,992
Equity capital to assets8.5412%5,988
Core capital (leverage) ratio8.2040%5,979
Tier 1 risk-based capital ratio11.3384%5,559
Total risk-based capital ratio12.6248%5,430
Memoranda:
Average total assets$31,137,0007,561
Average earning assets$28,886,6707,533
Average equity$2,791,0007,793
Average total loans$20,274,0007,308
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8775%2,904
Cost of funding earning assets2.1546%3,396
Net interest margin3.7229%3,790
Noninterest income to average assets0.6617%3,121
Noninterest expense to average assets3.2450%2,814
Loan and lease loss provision to assets0.1145%5,502
Net operating income to assets0.7763%3,226
Return on assets (ROA)0.9926%2,479
Pretax return on assets0.9926%3,376
Return on Equity (ROE)10.8258%2,020
Retained earnings to average equity (ytd only)-19.1534%7,619
Net charge-offs to loans0.3219%2,809
Credit loss provision to net charge-offs56.2500%4,583
Earnings coverage of net charge-offs (x)4.3750%2,901
Efficiency ratio78.4615%3,094
Assets per employee ($millions)2.8455%6,538
Cash dividends to net income (ytd only)*276.9231%174
Condition Ratios (%)
Loss allowance to loans0.8727%6,863
Loan loss allowance to noncurrent loans22.6512%7,034
Noncurrent assets plus other real estate owned to assets3.4056%1,593
Noncurrent loans to loans3.8526%1,590
Net loans and leases to total assets63.8702%5,013
Net loans and leases to deposits79.1167%4,757
Net loans and leases to core deposits95.5869%5,013
Total domestic deposits to total assets80.7291%5,080
Equity capital to assets8.8336%5,571
Core capital (leverage) ratio8.7832%5,018
Tier 1 risk-based capital ratio12.5135%4,542
Total risk-based capital ratio13.3075%4,808
Memoranda:
Average total assets$31,432,5007,592
Average earning assets$29,332,0007,550
Average equity$2,882,0007,819
Average total loans$19,884,5007,367
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5542%2,699
Cost of funding earning assets2.4156%4,652
Net interest margin4.1386%2,543
Noninterest income to average assets0.7293%2,916
Noninterest expense to average assets2.9633%4,214
Loan and lease loss provision to assets0.1216%5,807
Net operating income to assets1.5507%926
Return on assets (ROA)1.5671%862
Pretax return on assets1.5671%1,494
Return on Equity (ROE)17.0041%634
Retained earnings to average equity (ytd only)2.7093%3,495
Net charge-offs to loans0.1528%4,674
Credit loss provision to net charge-offs123.3333%4,355
Earnings coverage of net charge-offs (x)16.9667%1,804
Efficiency ratio63.9263%5,581
Assets per employee ($millions)2.8695%6,390
Cash dividends to net income (ytd only)*84.0671%1,522
Condition Ratios (%)
Loss allowance to loans0.9336%6,488
Loan loss allowance to noncurrent loans20.0878%7,236
Noncurrent assets plus other real estate owned to assets3.8018%1,123
Noncurrent loans to loans4.6477%1,015
Net loans and leases to total assets61.5195%5,694
Net loans and leases to deposits76.7449%5,503
Net loans and leases to core deposits93.8839%5,456
Total domestic deposits to total assets80.1609%4,956
Equity capital to assets9.5013%4,696
Core capital (leverage) ratio9.2202%4,412
Tier 1 risk-based capital ratio13.4255%3,861
Total risk-based capital ratio14.2692%4,011
Memoranda:
Average total assets$30,438,6007,625
Average earning assets$28,729,6007,575
Average equity$2,805,2007,893
Average total loans$19,633,8007,350