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State Bank of Delano, Performance and Condition Ratios

2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3890%5,052
Cost of funding earning assets0.1174%5,356
Net interest margin3.2715%4,328
Noninterest income to average assets0.5274%2,708
Noninterest expense to average assets2.4708%3,713
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.1052%2,562
Return on assets (ROA)1.1052%2,568
Pretax return on assets1.1052%3,295
Return on Equity (ROE)12.7466%1,463
Retained earnings to average equity (ytd only)12.7466%422
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0942%2,466
Assets per employee ($millions)4.6810%2,841
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.3302%2,030
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5715%2,516
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets41.5969%4,999
Net loans and leases to deposits46.1842%5,093
Net loans and leases to core deposits46.1842%5,143
Total domestic deposits to total assets90.0673%549
Equity capital to assets8.7193%4,780
Core capital (leverage) ratio9.1970%4,468
Tier 1 risk-based capital ratio17.8251%1,851
Total risk-based capital ratio18.9356%1,850
Memoranda:
Average total assets$91,385,6704,331
Average earning assets$85,159,0004,312
Average equity$7,923,6704,709
Average total loans$37,888,0004,708
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3087%5,129
Cost of funding earning assets0.1143%5,412
Net interest margin3.1945%4,481
Noninterest income to average assets0.5096%2,749
Noninterest expense to average assets2.4948%3,665
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.9882%2,900
Return on assets (ROA)0.9882%2,930
Pretax return on assets0.9882%3,576
Return on Equity (ROE)11.4300%1,798
Retained earnings to average equity (ytd only)11.4300%802
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6285%2,244
Assets per employee ($millions)4.5438%3,086
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.4318%1,722
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5887%2,559
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets39.7700%5,078
Net loans and leases to deposits44.1670%5,156
Net loans and leases to core deposits44.1670%5,207
Total domestic deposits to total assets90.0446%642
Equity capital to assets8.6536%4,857
Core capital (leverage) ratio9.1635%4,488
Tier 1 risk-based capital ratio18.1472%1,790
Total risk-based capital ratio19.3169%1,765
Memoranda:
Average total assets$90,268,5004,393
Average earning assets$84,020,0004,373
Average equity$7,804,0004,779
Average total loans$37,098,0004,778
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4014%4,937
Cost of funding earning assets0.1182%5,422
Net interest margin3.2832%4,207
Noninterest income to average assets0.9033%1,258
Noninterest expense to average assets2.9019%2,450
Loan and lease loss provision to assets-0.1143%5,493
Net operating income to assets1.1320%1,748
Return on assets (ROA)1.1320%1,777
Pretax return on assets1.1320%3,054
Return on Equity (ROE)13.4786%852
Retained earnings to average equity (ytd only)13.4786%118
Net charge-offs to loans-0.1971%5,521
Credit loss provision to net charge-offs133.3333%1,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0373%1,889
Assets per employee ($millions)4.4831%3,211
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.3989%1,776
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5967%2,567
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets41.2717%5,089
Net loans and leases to deposits45.8107%5,200
Net loans and leases to core deposits45.8107%5,241
Total domestic deposits to total assets90.0917%538
Equity capital to assets8.6369%4,999
Core capital (leverage) ratio8.8179%4,845
Tier 1 risk-based capital ratio17.0380%2,077
Total risk-based capital ratio18.1672%2,061
Memoranda:
Average total assets$87,459,4004,468
Average earning assets$80,349,4004,458
Average equity$7,345,0004,888
Average total loans$38,045,8004,789
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4260%4,927
Cost of funding earning assets0.1192%5,482
Net interest margin3.3068%4,154
Noninterest income to average assets0.7517%1,776
Noninterest expense to average assets2.7906%2,759
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9834%2,625
Return on assets (ROA)0.9834%2,687
Pretax return on assets0.9834%3,752
Return on Equity (ROE)11.7960%1,398
Retained earnings to average equity (ytd only)11.7960%313
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9431%1,901
Assets per employee ($millions)4.7181%2,809
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.4314%1,774
Loan loss allowance to noncurrent loans7,857.1429%111
Noncurrent assets plus other real estate owned to assets1.2393%1,313
Noncurrent loans to loans0.0182%5,057
Net loans and leases to total assets42.2505%5,103
Net loans and leases to deposits46.8194%5,231
Net loans and leases to core deposits46.8194%5,290
Total domestic deposits to total assets90.2414%397
Equity capital to assets8.3787%5,355
Core capital (leverage) ratio8.6106%5,148
Tier 1 risk-based capital ratio15.8746%2,559
Total risk-based capital ratio17.0276%2,537
Memoranda:
Average total assets$86,908,7504,516
Average earning assets$79,429,2504,516
Average equity$7,245,2504,955
Average total loans$38,174,7504,835
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4563%4,859
Cost of funding earning assets0.1149%5,537
Net interest margin3.3414%3,978
Noninterest income to average assets0.6791%2,085
Noninterest expense to average assets2.8001%2,763
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9233%2,789
Return on assets (ROA)0.9233%2,847
Pretax return on assets0.9233%3,854
Return on Equity (ROE)11.0945%1,606
Retained earnings to average equity (ytd only)11.0945%425
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2030%1,827
Assets per employee ($millions)4.8367%2,599
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.4295%1,819
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.2681%1,315
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets43.5631%5,066
Net loans and leases to deposits48.3553%5,199
Net loans and leases to core deposits48.3553%5,272
Total domestic deposits to total assets90.0896%509
Equity capital to assets8.5665%5,256
Core capital (leverage) ratio8.7561%4,999
Tier 1 risk-based capital ratio15.5964%2,668
Total risk-based capital ratio16.7357%2,646
Memoranda:
Average total assets$85,997,0004,557
Average earning assets$78,350,0004,559
Average equity$7,156,6704,992
Average total loans$38,091,3304,872
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2288%5,200
Cost of funding earning assets0.1071%5,626
Net interest margin3.1217%4,597
Noninterest income to average assets0.7208%1,867
Noninterest expense to average assets2.8175%2,727
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7676%3,383
Return on assets (ROA)0.7676%3,436
Pretax return on assets0.7676%4,223
Return on Equity (ROE)9.3634%2,254
Retained earnings to average equity (ytd only)9.3634%962
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.5901%1,549
Assets per employee ($millions)4.5436%3,096
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.4544%1,853
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.3785%1,217
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets43.1668%5,088
Net loans and leases to deposits47.7879%5,231
Net loans and leases to core deposits47.7879%5,312
Total domestic deposits to total assets90.3299%534
Equity capital to assets8.2916%5,357
Core capital (leverage) ratio8.5310%5,209
Tier 1 risk-based capital ratio15.6068%2,712
Total risk-based capital ratio16.7832%2,672
Memoranda:
Average total assets$85,465,5004,617
Average earning assets$78,420,0004,601
Average equity$7,006,0005,061
Average total loans$37,899,0004,922
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4050%4,969
Cost of funding earning assets0.1227%5,602
Net interest margin3.2823%4,198
Noninterest income to average assets1.7025%419
Noninterest expense to average assets3.3310%1,515
Loan and lease loss provision to assets-0.2056%5,785
Net operating income to assets1.4381%942
Return on assets (ROA)1.4381%965
Pretax return on assets1.4381%1,789
Return on Equity (ROE)18.6335%282
Retained earnings to average equity (ytd only)18.6335%58
Net charge-offs to loans-0.0052%4,817
Credit loss provision to net charge-offs8,750.0000%53
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9918%2,428
Assets per employee ($millions)4.0287%3,915
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.4480%1,879
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.4066%1,217
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets44.2455%5,101
Net loans and leases to deposits48.8637%5,254
Net loans and leases to core deposits48.8637%5,337
Total domestic deposits to total assets90.5488%434
Equity capital to assets8.1014%5,518
Core capital (leverage) ratio8.4180%5,350
Tier 1 risk-based capital ratio15.1336%2,904
Total risk-based capital ratio16.3006%2,875
Memoranda:
Average total assets$85,109,6004,629
Average earning assets$74,185,6004,717
Average equity$6,568,8005,172
Average total loans$38,212,2004,938
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4264%4,965
Cost of funding earning assets0.1254%5,647
Net interest margin3.3011%4,186
Noninterest income to average assets1.8896%377
Noninterest expense to average assets3.2614%1,649
Loan and lease loss provision to assets-0.2737%5,899
Net operating income to assets1.7441%548
Return on assets (ROA)1.7441%583
Pretax return on assets1.7441%1,016
Return on Equity (ROE)22.8800%130
Retained earnings to average equity (ytd only)22.8800%37
Net charge-offs to loans-0.0035%4,553
Credit loss provision to net charge-offs17,500.0000%24
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9256%3,053
Assets per employee ($millions)4.0415%3,898
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.4396%2,021
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.4021%1,329
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets44.2860%5,169
Net loans and leases to deposits49.1250%5,340
Net loans and leases to core deposits49.1250%5,416
Total domestic deposits to total assets90.1498%430
Equity capital to assets8.3833%5,590
Core capital (leverage) ratio8.3364%5,480
Tier 1 risk-based capital ratio14.8249%3,140
Total risk-based capital ratio15.9838%3,112
Memoranda:
Average total assets$85,236,2504,664
Average earning assets$73,388,5004,768
Average equity$6,497,5005,242
Average total loans$38,269,5004,985
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5079%4,843
Cost of funding earning assets0.1333%5,662
Net interest margin3.3746%3,984
Noninterest income to average assets1.9119%357
Noninterest expense to average assets3.2990%1,595
Loan and lease loss provision to assets-0.4100%6,005
Net operating income to assets1.8698%419
Return on assets (ROA)1.8698%441
Pretax return on assets1.8698%745
Return on Equity (ROE)25.3669%84
Retained earnings to average equity (ytd only)25.3669%31
Net charge-offs to loans-0.0052%4,534
Credit loss provision to net charge-offs17,500.0000%16
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3255%3,092
Assets per employee ($millions)4.0106%3,884
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.4550%2,050
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.4874%560
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets44.1483%5,222
Net loans and leases to deposits48.7947%5,391
Net loans and leases to core deposits48.9559%5,467
Total domestic deposits to total assets90.4777%324
Equity capital to assets8.0976%5,772
Core capital (leverage) ratio7.9702%5,744
Tier 1 risk-based capital ratio13.8990%3,662
Total risk-based capital ratio15.0369%3,646
Memoranda:
Average total assets$85,358,0004,702
Average earning assets$72,008,0004,840
Average equity$6,291,6705,330
Average total loans$38,314,3305,023
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5252%4,829
Cost of funding earning assets0.1384%5,692
Net interest margin3.3868%3,916
Noninterest income to average assets2.3183%281
Noninterest expense to average assets3.3098%1,574
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.8574%433
Return on assets (ROA)1.8574%462
Pretax return on assets1.8574%761
Return on Equity (ROE)26.4786%83
Retained earnings to average equity (ytd only)26.4786%41
Net charge-offs to loans-0.0104%4,546
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0541%4,116
Assets per employee ($millions)3.9636%4,018
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.9004%970
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.1057%397
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets44.9018%5,197
Net loans and leases to deposits49.3601%5,371
Net loans and leases to core deposits49.5243%5,455
Total domestic deposits to total assets90.9677%286
Equity capital to assets7.5821%5,932
Core capital (leverage) ratio7.4225%5,940
Tier 1 risk-based capital ratio12.8193%4,384
Total risk-based capital ratio14.0712%4,294
Memoranda:
Average total assets$85,925,5004,733
Average earning assets$72,280,0004,870
Average equity$6,027,5005,418
Average total loans$38,605,5005,064
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9986%3,313
Cost of funding earning assets0.1602%5,613
Net interest margin3.8383%2,241
Noninterest income to average assets0.8669%1,540
Noninterest expense to average assets3.2653%1,798
Loan and lease loss provision to assets-0.2024%5,987
Net operating income to assets0.9879%2,429
Return on assets (ROA)0.9879%2,516
Pretax return on assets0.9879%3,515
Return on Equity (ROE)15.3924%630
Retained earnings to average equity (ytd only)15.3924%127
Net charge-offs to loans0.6140%393
Credit loss provision to net charge-offs-65.0000%5,080
Earnings coverage of net charge-offs (x)2.5231%3,884
Efficiency ratio80.6089%1,598
Assets per employee ($millions)4.2198%3,536
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.8485%1,054
Loan loss allowance to noncurrent loans72,300.0000%18
Noncurrent assets plus other real estate owned to assets2.8911%467
Noncurrent loans to loans0.0026%5,556
Net loans and leases to total assets43.3217%5,323
Net loans and leases to deposits46.9930%5,518
Net loans and leases to core deposits47.1378%5,601
Total domestic deposits to total assets92.1876%92
Equity capital to assets6.4819%6,096
Core capital (leverage) ratio6.6786%6,079
Tier 1 risk-based capital ratio11.9402%4,992
Total risk-based capital ratio13.1932%4,892
Memoranda:
Average total assets$83,513,4004,800
Average earning assets$69,275,0004,954
Average equity$5,359,8005,569
Average total loans$42,345,0004,920
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1167%2,872
Cost of funding earning assets0.1646%5,668
Net interest margin3.9521%1,868
Noninterest income to average assets0.8512%1,614
Noninterest expense to average assets3.1874%2,003
Loan and lease loss provision to assets-0.2740%6,141
Net operating income to assets1.2079%1,626
Return on assets (ROA)1.2079%1,693
Pretax return on assets1.2079%2,793
Return on Equity (ROE)18.8708%345
Retained earnings to average equity (ytd only)18.8708%77
Net charge-offs to loans-0.0803%5,710
Credit loss provision to net charge-offs650.0000%523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3407%2,045
Assets per employee ($millions)4.2134%3,491
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.4901%442
Loan loss allowance to noncurrent loans336.3333%1,460
Noncurrent assets plus other real estate owned to assets2.9023%543
Noncurrent loans to loans0.7404%3,112
Net loans and leases to total assets44.6548%5,314
Net loans and leases to deposits48.5083%5,537
Net loans and leases to core deposits48.6583%5,624
Total domestic deposits to total assets92.0559%94
Equity capital to assets6.5200%6,178
Core capital (leverage) ratio6.8684%6,147
Tier 1 risk-based capital ratio11.7154%5,258
Total risk-based capital ratio12.9760%5,168
Memoranda:
Average total assets$82,237,7504,880
Average earning assets$68,046,0005,043
Average equity$5,263,7505,662
Average total loans$43,153,0004,941
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2526%2,344
Cost of funding earning assets0.1685%5,708
Net interest margin4.0840%1,394
Noninterest income to average assets0.7460%2,013
Noninterest expense to average assets3.2786%1,765
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8533%3,116
Return on assets (ROA)0.8533%3,218
Pretax return on assets0.8533%4,121
Return on Equity (ROE)13.4241%1,033
Retained earnings to average equity (ytd only)13.4241%273
Net charge-offs to loans0.2089%1,212
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)7.4348%2,671
Efficiency ratio79.3478%1,860
Assets per employee ($millions)4.1014%3,682
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.5355%468
Loan loss allowance to noncurrent loans308.0780%1,592
Noncurrent assets plus other real estate owned to assets3.0490%542
Noncurrent loans to loans0.8230%3,064
Net loans and leases to total assets51.8305%4,769
Net loans and leases to deposits56.2338%5,110
Net loans and leases to core deposits56.4211%5,283
Total domestic deposits to total assets92.1697%110
Equity capital to assets6.3650%6,253
Core capital (leverage) ratio6.6927%6,224
Tier 1 risk-based capital ratio10.5007%5,921
Total risk-based capital ratio11.7608%5,860
Memoranda:
Average total assets$80,156,6704,976
Average earning assets$66,453,6705,141
Average equity$5,095,3305,760
Average total loans$44,030,6704,948
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3429%1,962
Cost of funding earning assets0.1687%5,783
Net interest margin4.1742%1,117
Noninterest income to average assets0.8533%1,552
Noninterest expense to average assets3.2264%1,912
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1260%1,769
Return on assets (ROA)1.1260%1,877
Pretax return on assets1.1260%2,968
Return on Equity (ROE)17.7248%412
Retained earnings to average equity (ytd only)17.7248%155
Net charge-offs to loans-0.0723%5,709
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1299%2,799
Assets per employee ($millions)3.9880%3,987
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.6223%450
Loan loss allowance to noncurrent loans372.9904%1,296
Noncurrent assets plus other real estate owned to assets3.1846%561
Noncurrent loans to loans0.7030%3,519
Net loans and leases to total assets54.0077%4,447
Net loans and leases to deposits58.7731%4,853
Net loans and leases to core deposits58.9751%5,064
Total domestic deposits to total assets91.8918%159
Equity capital to assets6.5986%6,300
Core capital (leverage) ratio6.7179%6,266
Tier 1 risk-based capital ratio10.0846%6,150
Total risk-based capital ratio11.3466%6,089
Memoranda:
Average total assets$79,221,5005,043
Average earning assets$66,407,5005,184
Average equity$5,032,5005,826
Average total loans$44,235,5004,976
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2602%2,739
Cost of funding earning assets0.1943%5,793
Net interest margin4.0659%1,694
Noninterest income to average assets0.8177%1,802
Noninterest expense to average assets3.4081%1,683
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.8267%3,246
Return on assets (ROA)0.8267%3,336
Pretax return on assets0.8267%4,159
Return on Equity (ROE)15.2749%734
Retained earnings to average equity (ytd only)15.2749%141
Net charge-offs to loans0.0389%4,046
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)39.8750%1,088
Efficiency ratio80.4774%1,849
Assets per employee ($millions)3.7469%4,449
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.6043%485
Loan loss allowance to noncurrent loans368.0511%1,378
Noncurrent assets plus other real estate owned to assets3.4416%546
Noncurrent loans to loans0.7076%3,557
Net loans and leases to total assets54.7545%4,484
Net loans and leases to deposits59.2304%4,963
Net loans and leases to core deposits59.4355%5,179
Total domestic deposits to total assets92.4432%101
Equity capital to assets6.1029%6,408
Core capital (leverage) ratio6.4601%6,374
Tier 1 risk-based capital ratio9.8224%6,301
Total risk-based capital ratio11.0845%6,263
Memoranda:
Average total assets$77,170,0005,123
Average earning assets$64,856,8005,255
Average equity$4,176,8006,055
Average total loans$41,123,6005,142
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2437%2,828
Cost of funding earning assets0.2041%5,788
Net interest margin4.0396%1,753
Noninterest income to average assets0.7917%1,927
Noninterest expense to average assets3.3701%1,739
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.7900%3,470
Return on assets (ROA)0.7900%3,576
Pretax return on assets0.7900%4,396
Return on Equity (ROE)15.0889%812
Retained earnings to average equity (ytd only)15.0889%202
Net charge-offs to loans0.0793%3,065
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)18.9578%1,808
Efficiency ratio81.0100%1,760
Assets per employee ($millions)3.4843%4,894
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.7388%471
Loan loss allowance to noncurrent loans359.7484%1,314
Noncurrent assets plus other real estate owned to assets3.6253%579
Noncurrent loans to loans0.7613%3,694
Net loans and leases to total assets52.9985%4,697
Net loans and leases to deposits57.2391%5,157
Net loans and leases to core deposits57.4422%5,366
Total domestic deposits to total assets92.5915%108
Equity capital to assets5.8026%6,494
Core capital (leverage) ratio6.2938%6,454
Tier 1 risk-based capital ratio9.8655%6,372
Total risk-based capital ratio11.1281%6,343
Memoranda:
Average total assets$76,791,5005,190
Average earning assets$64,031,2505,335
Average equity$4,020,5006,153
Average total loans$40,345,7505,224
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1982%2,959
Cost of funding earning assets0.2098%5,826
Net interest margin3.9885%1,843
Noninterest income to average assets0.7028%2,262
Noninterest expense to average assets3.1964%2,205
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.8225%3,222
Return on assets (ROA)0.8225%3,320
Pretax return on assets0.8225%4,189
Return on Equity (ROE)16.2971%625
Retained earnings to average equity (ytd only)16.2971%164
Net charge-offs to loans-0.0602%5,954
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5337%2,088
Assets per employee ($millions)3.7322%4,388
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.9631%396
Loan loss allowance to noncurrent loans366.4596%1,256
Noncurrent assets plus other real estate owned to assets3.6797%615
Noncurrent loans to loans0.8086%3,686
Net loans and leases to total assets49.3046%5,040
Net loans and leases to deposits52.9835%5,427
Net loans and leases to core deposits52.9835%5,616
Total domestic deposits to total assets93.0565%78
Equity capital to assets5.4570%6,563
Core capital (leverage) ratio6.2485%6,510
Tier 1 risk-based capital ratio9.5737%6,484
Total risk-based capital ratio10.8385%6,464
Memoranda:
Average total assets$76,837,0005,228
Average earning assets$63,884,0005,388
Average equity$3,878,0006,225
Average total loans$39,871,0005,281
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2119%2,830
Cost of funding earning assets0.2167%5,872
Net interest margin3.9953%1,780
Noninterest income to average assets0.6678%2,357
Noninterest expense to average assets3.2129%2,189
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7520%3,411
Return on assets (ROA)0.7520%3,493
Pretax return on assets0.7520%4,302
Return on Equity (ROE)15.5498%700
Retained earnings to average equity (ytd only)15.5498%297
Net charge-offs to loans-0.0501%5,806
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.0345%2,043
Assets per employee ($millions)3.8284%4,271
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.9796%446
Loan loss allowance to noncurrent loans100.2564%3,600
Noncurrent assets plus other real estate owned to assets4.9498%415
Noncurrent loans to loans2.9720%1,074
Net loans and leases to total assets49.8838%4,923
Net loans and leases to deposits53.4121%5,336
Net loans and leases to core deposits53.4121%5,537
Total domestic deposits to total assets93.3941%82
Equity capital to assets5.0582%6,630
Core capital (leverage) ratio6.0387%6,582
Tier 1 risk-based capital ratio9.3289%6,575
Total risk-based capital ratio10.5939%6,560
Memoranda:
Average total assets$76,067,5005,298
Average earning assets$62,774,0005,481
Average equity$3,678,5006,313
Average total loans$39,895,0005,328
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5077%2,177
Cost of funding earning assets0.2811%5,756
Net interest margin4.2265%1,283
Noninterest income to average assets0.6793%2,653
Noninterest expense to average assets3.4311%1,811
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.6463%4,046
Return on assets (ROA)0.6146%4,313
Pretax return on assets0.6146%4,825
Return on Equity (ROE)12.1480%1,373
Retained earnings to average equity (ytd only)12.1480%304
Net charge-offs to loans0.3097%2,136
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)3.8810%3,727
Efficiency ratio84.1491%1,612
Assets per employee ($millions)3.7784%4,311
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.8895%527
Loan loss allowance to noncurrent loans93.6648%3,780
Noncurrent assets plus other real estate owned to assets5.2695%428
Noncurrent loans to loans3.0850%1,117
Net loans and leases to total assets51.9460%4,860
Net loans and leases to deposits55.3239%5,365
Net loans and leases to core deposits55.3239%5,593
Total domestic deposits to total assets93.8942%85
Equity capital to assets4.6105%6,714
Core capital (leverage) ratio5.8813%6,663
Tier 1 risk-based capital ratio8.7231%6,672
Total risk-based capital ratio9.9853%6,671
Memoranda:
Average total assets$75,661,4005,335
Average earning assets$60,829,8005,566
Average equity$3,827,8006,368
Average total loans$40,682,6005,317
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4641%2,372
Cost of funding earning assets0.2927%5,790
Net interest margin4.1714%1,419
Noninterest income to average assets0.7311%2,455
Noninterest expense to average assets3.4141%1,794
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.6818%3,943
Return on assets (ROA)0.6395%4,294
Pretax return on assets0.6395%4,885
Return on Equity (ROE)12.3664%1,379
Retained earnings to average equity (ytd only)12.3664%382
Net charge-offs to loans0.1832%2,765
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)6.9112%2,885
Efficiency ratio83.3548%1,670
Assets per employee ($millions)3.5359%4,774
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.0502%518
Loan loss allowance to noncurrent loans63.6177%4,665
Noncurrent assets plus other real estate owned to assets6.1735%375
Noncurrent loans to loans4.7946%651
Net loans and leases to total assets52.9931%4,751
Net loans and leases to deposits56.7136%5,310
Net loans and leases to core deposits56.7136%5,561
Total domestic deposits to total assets93.4400%97
Equity capital to assets4.9049%6,774
Core capital (leverage) ratio5.8310%6,733
Tier 1 risk-based capital ratio8.7426%6,737
Total risk-based capital ratio10.0070%6,738
Memoranda:
Average total assets$75,685,0005,388
Average earning assets$61,049,0005,624
Average equity$3,913,7506,421
Average total loans$40,747,7505,362
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4905%2,232
Cost of funding earning assets0.3007%5,827
Net interest margin4.1899%1,303
Noninterest income to average assets0.8246%2,090
Noninterest expense to average assets3.4584%1,702
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.7326%3,658
Return on assets (ROA)0.6696%4,125
Pretax return on assets0.6696%4,778
Return on Equity (ROE)12.7362%1,309
Retained earnings to average equity (ytd only)12.7362%415
Net charge-offs to loans0.1863%2,632
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)7.3421%2,559
Efficiency ratio82.5188%1,820
Assets per employee ($millions)3.6753%4,457
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.1772%487
Loan loss allowance to noncurrent loans61.4481%4,729
Noncurrent assets plus other real estate owned to assets7.8293%270
Noncurrent loans to loans5.1705%607
Net loans and leases to total assets52.0719%4,853
Net loans and leases to deposits55.7650%5,367
Net loans and leases to core deposits55.7650%5,618
Total domestic deposits to total assets93.3774%94
Equity capital to assets4.9873%6,826
Core capital (leverage) ratio5.6712%6,782
Tier 1 risk-based capital ratio8.5808%6,783
Total risk-based capital ratio9.8474%6,785
Memoranda:
Average total assets$76,162,3305,412
Average earning assets$61,195,3305,661
Average equity$4,004,3306,449
Average total loans$40,801,3305,389
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3925%2,547
Cost of funding earning assets0.3105%5,887
Net interest margin4.0820%1,512
Noninterest income to average assets0.7949%2,146
Noninterest expense to average assets3.2727%2,150
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.7795%3,284
Return on assets (ROA)0.7795%3,418
Pretax return on assets0.7795%4,255
Return on Equity (ROE)14.4723%868
Retained earnings to average equity (ytd only)14.4723%402
Net charge-offs to loans0.3475%1,603
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)4.1944%2,603
Efficiency ratio80.7643%2,213
Assets per employee ($millions)3.7945%4,364
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.1028%593
Loan loss allowance to noncurrent loans56.9746%4,852
Noncurrent assets plus other real estate owned to assets7.8575%322
Noncurrent loans to loans5.4459%668
Net loans and leases to total assets51.7677%4,740
Net loans and leases to deposits55.7762%5,270
Net loans and leases to core deposits55.7762%5,541
Total domestic deposits to total assets92.8132%142
Equity capital to assets5.5766%6,857
Core capital (leverage) ratio5.4301%6,849
Tier 1 risk-based capital ratio8.3221%6,848
Total risk-based capital ratio9.5875%6,850
Memoranda:
Average total assets$77,490,5005,426
Average earning assets$61,832,0005,683
Average equity$4,173,5006,473
Average total loans$41,436,0005,399
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5942%3,027
Cost of funding earning assets0.4869%5,307
Net interest margin4.1073%1,973
Noninterest income to average assets0.1643%6,215
Noninterest expense to average assets3.5241%1,770
Loan and lease loss provision to assets0.0442%5,298
Net operating income to assets-0.2717%6,421
Return on assets (ROA)-0.2717%6,476
Pretax return on assets-0.2704%6,462
Return on Equity (ROE)-4.9706%6,591
Retained earnings to average equity (ytd only)-4.9706%6,422
Net charge-offs to loans1.2655%775
Credit loss provision to net charge-offs6.3869%5,428
Earnings coverage of net charge-offs (x)-0.3266%5,622
Efficiency ratio106.8582%392
Assets per employee ($millions)3.9546%4,040
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.0571%631
Loan loss allowance to noncurrent loans40.9235%5,577
Noncurrent assets plus other real estate owned to assets8.3447%321
Noncurrent loans to loans7.4702%408
Net loans and leases to total assets51.8814%4,945
Net loans and leases to deposits55.5813%5,488
Net loans and leases to core deposits55.5813%5,744
Total domestic deposits to total assets93.3432%102
Equity capital to assets5.2028%6,939
Core capital (leverage) ratio5.2383%6,918
Tier 1 risk-based capital ratio7.8766%6,918
Total risk-based capital ratio9.1435%6,920
Memoranda:
Average total assets$79,140,2005,379
Average earning assets$60,380,8005,734
Average equity$4,325,4006,487
Average total loans$43,302,4005,359
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6182%3,139
Cost of funding earning assets0.5313%5,235
Net interest margin4.0869%2,138
Noninterest income to average assets0.1583%6,355
Noninterest expense to average assets3.4582%1,864
Loan and lease loss provision to assets0.0590%4,990
Net operating income to assets-0.2493%6,530
Return on assets (ROA)-0.2493%6,597
Pretax return on assets-0.2493%6,564
Return on Equity (ROE)-4.5073%6,701
Retained earnings to average equity (ytd only)-4.5073%6,588
Net charge-offs to loans1.3441%686
Credit loss provision to net charge-offs7.9727%5,100
Earnings coverage of net charge-offs (x)-0.2574%5,428
Efficiency ratio105.8247%387
Assets per employee ($millions)3.7721%4,369
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.2403%584
Loan loss allowance to noncurrent loans53.7136%4,950
Noncurrent assets plus other real estate owned to assets11.3412%182
Noncurrent loans to loans6.0325%676
Net loans and leases to total assets55.5341%4,518
Net loans and leases to deposits59.8694%5,229
Net loans and leases to core deposits59.8694%5,573
Total domestic deposits to total assets92.7587%130
Equity capital to assets5.6321%7,010
Core capital (leverage) ratio5.2553%7,000
Tier 1 risk-based capital ratio7.4463%7,024
Total risk-based capital ratio8.7125%7,024
Memoranda:
Average total assets$79,152,2505,434
Average earning assets$60,224,0005,798
Average equity$4,378,0006,549
Average total loans$43,546,0005,410
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5393%3,610
Cost of funding earning assets0.5858%5,018
Net interest margin3.9535%2,708
Noninterest income to average assets0.4677%4,150
Noninterest expense to average assets3.4184%1,989
Loan and lease loss provision to assets0.0871%4,497
Net operating income to assets-0.0323%6,362
Return on assets (ROA)-0.0323%6,482
Pretax return on assets-0.0323%6,472
Return on Equity (ROE)-0.5881%6,512
Retained earnings to average equity (ytd only)-0.5881%6,145
Net charge-offs to loans0.9810%1,130
Credit loss provision to net charge-offs16.3551%4,664
Earnings coverage of net charge-offs (x)0.1028%5,030
Efficiency ratio98.4241%611
Assets per employee ($millions)3.9187%4,037
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.8558%381
Loan loss allowance to noncurrent loans57.8330%4,753
Noncurrent assets plus other real estate owned to assets11.4823%198
Noncurrent loans to loans6.6671%611
Net loans and leases to total assets51.7959%5,125
Net loans and leases to deposits55.7449%5,678
Net loans and leases to core deposits55.9801%5,947
Total domestic deposits to total assets92.9159%132
Equity capital to assets5.6244%7,053
Core capital (leverage) ratio5.2507%7,050
Tier 1 risk-based capital ratio7.7445%7,054
Total risk-based capital ratio9.0170%7,055
Memoranda:
Average total assets$80,389,0005,424
Average earning assets$61,110,3305,796
Average equity$4,421,0006,566
Average total loans$43,628,3305,444
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5873%3,566
Cost of funding earning assets0.6116%5,041
Net interest margin3.9757%2,606
Noninterest income to average assets0.6143%3,142
Noninterest expense to average assets3.1942%2,619
Loan and lease loss provision to assets0.1720%3,248
Net operating income to assets0.2506%5,819
Return on assets (ROA)0.2506%5,971
Pretax return on assets0.2506%6,085
Return on Equity (ROE)4.6076%4,980
Retained earnings to average equity (ytd only)4.6076%3,808
Net charge-offs to loans0.6136%1,560
Credit loss provision to net charge-offs51.4706%3,255
Earnings coverage of net charge-offs (x)1.2647%3,699
Efficiency ratio88.3152%1,247
Assets per employee ($millions)3.8315%4,359
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.0662%350
Loan loss allowance to noncurrent loans41.1029%5,557
Noncurrent assets plus other real estate owned to assets13.4351%154
Noncurrent loans to loans9.8927%315
Net loans and leases to total assets52.0177%5,027
Net loans and leases to deposits56.6429%5,534
Net loans and leases to core deposits56.8784%5,829
Total domestic deposits to total assets91.8346%302
Equity capital to assets5.4909%7,109
Core capital (leverage) ratio5.2940%7,092
Tier 1 risk-based capital ratio7.5499%7,107
Total risk-based capital ratio8.8233%7,108
Memoranda:
Average total assets$81,397,0005,430
Average earning assets$61,473,5005,825
Average equity$4,427,5006,603
Average total loans$44,331,5005,457
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7825%3,891
Cost of funding earning assets0.8567%4,425
Net interest margin3.9257%3,220
Noninterest income to average assets0.4618%4,120
Noninterest expense to average assets3.7444%1,455
Loan and lease loss provision to assets1.5244%479
Net operating income to assets-1.7691%6,978
Return on assets (ROA)-1.7691%6,995
Pretax return on assets-1.7679%6,966
Return on Equity (ROE)-28.8729%7,081
Retained earnings to average equity (ytd only)-28.8729%7,073
Net charge-offs to loans2.9509%332
Credit loss provision to net charge-offs89.6333%4,020
Earnings coverage of net charge-offs (x)-0.1432%5,921
Efficiency ratio106.9544%500
Assets per employee ($millions)3.9206%4,031
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.0124%381
Loan loss allowance to noncurrent loans51.1898%4,955
Noncurrent assets plus other real estate owned to assets12.1677%203
Noncurrent loans to loans7.8383%523
Net loans and leases to total assets52.5039%5,232
Net loans and leases to deposits57.0215%5,801
Net loans and leases to core deposits57.2526%6,059
Total domestic deposits to total assets92.0773%229
Equity capital to assets5.3891%7,143
Core capital (leverage) ratio5.2271%7,122
Tier 1 risk-based capital ratio7.3632%7,138
Total risk-based capital ratio8.6378%7,138
Memoranda:
Average total assets$83,377,8005,360
Average earning assets$64,548,2005,716
Average equity$5,108,6006,408
Average total loans$48,053,6005,347
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8149%3,958
Cost of funding earning assets0.9111%4,328
Net interest margin3.9038%3,363
Noninterest income to average assets0.5149%3,758
Noninterest expense to average assets3.6346%1,643
Loan and lease loss provision to assets1.8109%331
Net operating income to assets-1.8858%7,119
Return on assets (ROA)-1.8858%7,129
Pretax return on assets-1.8842%7,099
Return on Equity (ROE)-29.8927%7,195
Retained earnings to average equity (ytd only)-29.8927%7,188
Net charge-offs to loans3.6660%197
Credit loss provision to net charge-offs84.6498%3,975
Earnings coverage of net charge-offs (x)-0.0343%5,624
Efficiency ratio102.0591%606
Assets per employee ($millions)3.8310%4,236
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.8170%451
Loan loss allowance to noncurrent loans40.5757%5,590
Noncurrent assets plus other real estate owned to assets13.0914%190
Noncurrent loans to loans9.4071%400
Net loans and leases to total assets54.7508%5,044
Net loans and leases to deposits59.8920%5,641
Net loans and leases to core deposits60.5657%5,938
Total domestic deposits to total assets91.4158%315
Equity capital to assets5.9354%7,193
Core capital (leverage) ratio5.4757%7,187
Tier 1 risk-based capital ratio7.7370%7,206
Total risk-based capital ratio9.0081%7,207
Memoranda:
Average total assets$83,639,0005,382
Average earning assets$65,267,5005,736
Average equity$5,276,5006,410
Average total loans$48,808,2505,353
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8593%3,820
Cost of funding earning assets0.9616%4,241
Net interest margin3.8978%3,318
Noninterest income to average assets0.5407%3,552
Noninterest expense to average assets3.6009%1,740
Loan and lease loss provision to assets2.1983%262
Net operating income to assets-2.2172%7,224
Return on assets (ROA)-2.2172%7,230
Pretax return on assets-2.2148%7,205
Return on Equity (ROE)-34.4988%7,279
Retained earnings to average equity (ytd only)-34.4988%7,272
Net charge-offs to loans3.6497%242
Credit loss provision to net charge-offs102.4202%3,021
Earnings coverage of net charge-offs (x)-0.0077%5,292
Efficiency ratio100.4611%707
Assets per employee ($millions)3.5523%4,805
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.1876%361
Loan loss allowance to noncurrent loans53.2471%4,824
Noncurrent assets plus other real estate owned to assets12.9714%214
Noncurrent loans to loans7.8645%588
Net loans and leases to total assets55.3358%5,098
Net loans and leases to deposits60.6436%5,656
Net loans and leases to core deposits61.3130%5,966
Total domestic deposits to total assets91.2476%410
Equity capital to assets6.1320%7,225
Core capital (leverage) ratio5.6935%7,238
Tier 1 risk-based capital ratio7.9454%7,247
Total risk-based capital ratio9.2204%7,251
Memoranda:
Average total assets$84,702,0005,403
Average earning assets$66,140,6705,752
Average equity$5,443,6706,391
Average total loans$49,812,6705,363
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9623%3,281
Cost of funding earning assets0.9925%4,253
Net interest margin3.9698%2,823
Noninterest income to average assets1.1415%1,000
Noninterest expense to average assets3.3874%2,312
Loan and lease loss provision to assets1.7912%325
Net operating income to assets-0.9420%7,025
Return on assets (ROA)-0.9420%7,025
Pretax return on assets-0.9373%6,978
Return on Equity (ROE)-14.3450%7,137
Retained earnings to average equity (ytd only)-14.3450%7,025
Net charge-offs to loans6.3999%95
Credit loss provision to net charge-offs47.1883%3,812
Earnings coverage of net charge-offs (x)0.2249%4,445
Efficiency ratio79.8687%2,561
Assets per employee ($millions)3.6998%4,539
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.1000%836
Loan loss allowance to noncurrent loans57.8048%4,538
Noncurrent assets plus other real estate owned to assets11.8515%280
Noncurrent loans to loans5.3629%1,224
Net loans and leases to total assets55.9081%5,009
Net loans and leases to deposits62.2685%5,465
Net loans and leases to core deposits62.9391%5,833
Total domestic deposits to total assets89.7855%1,299
Equity capital to assets6.5397%7,198
Core capital (leverage) ratio6.4626%7,175
Tier 1 risk-based capital ratio8.6887%7,247
Total risk-based capital ratio9.9525%7,252
Memoranda:
Average total assets$86,201,5005,401
Average earning assets$67,307,5005,753
Average equity$5,660,5006,349
Average total loans$51,125,5005,360
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1210%4,001
Cost of funding earning assets1.3051%3,850
Net interest margin3.8159%3,884
Noninterest income to average assets0.1673%6,533
Noninterest expense to average assets3.8319%1,425
Loan and lease loss provision to assets2.6490%400
Net operating income to assets-3.2481%7,340
Return on assets (ROA)-3.2481%7,357
Pretax return on assets-3.2481%7,333
Return on Equity (ROE)-41.9360%7,370
Retained earnings to average equity (ytd only)-41.9360%7,363
Net charge-offs to loans3.9016%334
Credit loss provision to net charge-offs106.3652%4,201
Earnings coverage of net charge-offs (x)-0.2406%6,312
Efficiency ratio118.5323%420
Assets per employee ($millions)3.7960%4,270
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.6761%519
Loan loss allowance to noncurrent loans42.9734%5,446
Noncurrent assets plus other real estate owned to assets12.4616%252
Noncurrent loans to loans8.5544%575
Net loans and leases to total assets58.6430%4,930
Net loans and leases to deposits65.2080%5,493
Net loans and leases to core deposits65.8911%5,884
Total domestic deposits to total assets89.9322%1,141
Equity capital to assets6.5928%7,239
Core capital (leverage) ratio6.4619%7,204
Tier 1 risk-based capital ratio8.7926%7,277
Total risk-based capital ratio10.0644%7,282
Memoranda:
Average total assets$91,467,8005,244
Average earning assets$73,481,4005,556
Average equity$7,084,6006,005
Average total loans$58,387,0005,137
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1611%4,028
Cost of funding earning assets1.3804%3,702
Net interest margin3.7806%4,055
Noninterest income to average assets0.6947%2,849
Noninterest expense to average assets4.1091%927
Loan and lease loss provision to assets2.7125%362
Net operating income to assets-3.0599%7,461
Return on assets (ROA)-3.0599%7,472
Pretax return on assets-3.0599%7,435
Return on Equity (ROE)-38.1650%7,473
Retained earnings to average equity (ytd only)-38.1650%7,470
Net charge-offs to loans4.6077%208
Credit loss provision to net charge-offs91.2264%4,720
Earnings coverage of net charge-offs (x)-0.1168%6,119
Efficiency ratio109.2337%540
Assets per employee ($millions)3.8560%4,130
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.9008%906
Loan loss allowance to noncurrent loans40.3470%5,600
Noncurrent assets plus other real estate owned to assets12.5825%241
Noncurrent loans to loans7.1896%761
Net loans and leases to total assets61.4464%4,642
Net loans and leases to deposits70.0855%5,131
Net loans and leases to core deposits70.8160%5,667
Total domestic deposits to total assets87.6735%2,173
Equity capital to assets7.6426%7,037
Core capital (leverage) ratio7.2385%7,037
Tier 1 risk-based capital ratio9.6344%7,216
Total risk-based capital ratio10.8984%7,200
Memoranda:
Average total assets$92,507,7505,269
Average earning assets$75,047,0005,572
Average equity$7,416,7505,979
Average total loans$59,695,2505,160
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1046%4,427
Cost of funding earning assets1.4451%3,590
Net interest margin3.6595%4,541
Noninterest income to average assets0.8914%1,720
Noninterest expense to average assets4.3058%724
Loan and lease loss provision to assets2.9302%341
Net operating income to assets-3.3418%7,555
Return on assets (ROA)-3.3418%7,559
Pretax return on assets-3.3418%7,519
Return on Equity (ROE)-41.0765%7,541
Retained earnings to average equity (ytd only)-41.0765%7,534
Net charge-offs to loans5.5119%166
Credit loss provision to net charge-offs81.8832%4,656
Earnings coverage of net charge-offs (x)-0.1150%5,815
Efficiency ratio110.5696%540
Assets per employee ($millions)3.8973%3,984
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6038%1,187
Loan loss allowance to noncurrent loans37.8902%5,825
Noncurrent assets plus other real estate owned to assets12.5336%243
Noncurrent loans to loans6.8720%842
Net loans and leases to total assets62.8019%4,515
Net loans and leases to deposits73.9051%4,690
Net loans and leases to core deposits74.6895%5,368
Total domestic deposits to total assets84.9764%3,640
Equity capital to assets8.1494%6,599
Core capital (leverage) ratio7.6429%6,685
Tier 1 risk-based capital ratio10.0956%6,980
Total risk-based capital ratio11.3574%6,937
Memoranda:
Average total assets$93,781,3305,258
Average earning assets$76,950,6705,553
Average equity$7,629,6705,914
Average total loans$60,886,0005,143
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0955%4,547
Cost of funding earning assets1.5032%3,532
Net interest margin3.5923%4,767
Noninterest income to average assets0.7971%2,035
Noninterest expense to average assets4.2524%763
Loan and lease loss provision to assets5.1496%148
Net operating income to assets-5.6629%7,806
Return on assets (ROA)-5.6629%7,810
Pretax return on assets-5.6629%7,793
Return on Equity (ROE)-69.6612%7,767
Retained earnings to average equity (ytd only)-69.6612%7,760
Net charge-offs to loans2.6142%621
Credit loss provision to net charge-offs302.4510%1,302
Earnings coverage of net charge-offs (x)-0.3015%5,209
Efficiency ratio113.7277%534
Assets per employee ($millions)3.9746%3,935
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.3179%287
Loan loss allowance to noncurrent loans50.1714%4,980
Noncurrent assets plus other real estate owned to assets12.5567%231
Noncurrent loans to loans8.6063%593
Net loans and leases to total assets61.2112%4,903
Net loans and leases to deposits74.0868%4,728
Net loans and leases to core deposits74.8465%5,405
Total domestic deposits to total assets82.6210%4,789
Equity capital to assets7.8414%6,817
Core capital (leverage) ratio7.7021%6,622
Tier 1 risk-based capital ratio10.0744%6,981
Total risk-based capital ratio11.3538%6,951
Memoranda:
Average total assets$95,852,5005,264
Average earning assets$78,500,5005,562
Average equity$7,792,0005,914
Average total loans$62,429,0005,157
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3503%4,939
Cost of funding earning assets1.9224%3,344
Net interest margin3.4279%5,261
Noninterest income to average assets0.6030%3,612
Noninterest expense to average assets4.1062%1,218
Loan and lease loss provision to assets2.2160%937
Net operating income to assets-2.8289%7,358
Return on assets (ROA)-2.8289%7,364
Pretax return on assets-2.8289%7,249
Return on Equity (ROE)-34.4482%7,482
Retained earnings to average equity (ytd only)-34.4482%7,469
Net charge-offs to loans4.9762%266
Credit loss provision to net charge-offs65.9205%6,557
Earnings coverage of net charge-offs (x)-0.1823%6,423
Efficiency ratio117.5454%648
Assets per employee ($millions)4.0131%3,793
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.8340%898
Loan loss allowance to noncurrent loans30.9019%6,407
Noncurrent assets plus other real estate owned to assets12.2121%244
Noncurrent loans to loans9.1708%484
Net loans and leases to total assets64.3977%4,514
Net loans and leases to deposits78.2874%4,317
Net loans and leases to core deposits83.7449%5,742
Total domestic deposits to total assets82.2580%4,833
Equity capital to assets8.4141%6,037
Core capital (leverage) ratio8.1611%5,887
Tier 1 risk-based capital ratio10.4963%6,401
Total risk-based capital ratio11.7601%6,363
Memoranda:
Average total assets$100,993,4005,067
Average earning assets$85,154,4005,294
Average equity$8,293,6005,838
Average total loans$68,225,0004,930
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3933%4,979
Cost of funding earning assets2.0127%3,284
Net interest margin3.3806%5,350
Noninterest income to average assets0.6995%3,016
Noninterest expense to average assets4.1867%1,049
Loan and lease loss provision to assets2.4052%702
Net operating income to assets-3.0251%7,591
Return on assets (ROA)-3.0251%7,600
Pretax return on assets-3.0251%7,509
Return on Equity (ROE)-37.0530%7,723
Retained earnings to average equity (ytd only)-37.0530%7,715
Net charge-offs to loans5.7988%159
Credit loss provision to net charge-offs61.1277%6,153
Earnings coverage of net charge-offs (x)-0.1575%6,245
Efficiency ratio117.3802%638
Assets per employee ($millions)3.8092%4,170
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.7472%837
Loan loss allowance to noncurrent loans28.6765%6,555
Noncurrent assets plus other real estate owned to assets13.4590%167
Noncurrent loans to loans9.5798%429
Net loans and leases to total assets66.6912%4,260
Net loans and leases to deposits81.5004%4,113
Net loans and leases to core deposits88.1055%5,634
Total domestic deposits to total assets81.8293%4,753
Equity capital to assets8.5950%6,120
Core capital (leverage) ratio7.8638%6,553
Tier 1 risk-based capital ratio10.1524%6,828
Total risk-based capital ratio11.4152%6,758
Memoranda:
Average total assets$102,163,2505,065
Average earning assets$86,648,5005,284
Average equity$8,341,0005,872
Average total loans$69,323,0004,937
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4887%4,699
Cost of funding earning assets2.0473%3,534
Net interest margin3.4415%5,021
Noninterest income to average assets0.6700%3,193
Noninterest expense to average assets3.8708%1,538
Loan and lease loss provision to assets3.0304%499
Net operating income to assets-3.3156%7,730
Return on assets (ROA)-3.3156%7,729
Pretax return on assets-3.3156%7,636
Return on Equity (ROE)-41.2725%7,856
Retained earnings to average equity (ytd only)-41.2725%7,841
Net charge-offs to loans8.6099%81
Credit loss provision to net charge-offs52.0381%5,739
Earnings coverage of net charge-offs (x)-0.0490%5,747
Efficiency ratio107.9552%912
Assets per employee ($millions)4.1113%3,463
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.2498%1,168
Loan loss allowance to noncurrent loans23.9168%6,904
Noncurrent assets plus other real estate owned to assets12.9126%149
Noncurrent loans to loans9.4067%398
Net loans and leases to total assets63.7041%5,043
Net loans and leases to deposits78.5473%4,775
Net loans and leases to core deposits85.7444%5,930
Total domestic deposits to total assets81.1029%5,038
Equity capital to assets7.9381%6,819
Core capital (leverage) ratio7.6280%6,862
Tier 1 risk-based capital ratio9.5245%7,368
Total risk-based capital ratio10.7813%7,321
Memoranda:
Average total assets$104,474,3305,031
Average earning assets$88,508,3305,245
Average equity$8,393,0005,884
Average total loans$70,662,6704,930
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4412%5,222
Cost of funding earning assets2.0638%3,813
Net interest margin3.3775%5,226
Noninterest income to average assets0.8393%2,129
Noninterest expense to average assets4.1550%992
Loan and lease loss provision to assets2.9586%369
Net operating income to assets-3.3840%7,900
Return on assets (ROA)-3.3840%7,900
Pretax return on assets-3.3840%7,819
Return on Equity (ROE)-41.8801%8,005
Retained earnings to average equity (ytd only)-41.8801%7,985
Net charge-offs to loans10.1404%60
Credit loss provision to net charge-offs42.3830%4,784
Earnings coverage of net charge-offs (x)-0.0609%5,035
Efficiency ratio111.4053%779
Assets per employee ($millions)4.1355%3,389
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.7182%617
Loan loss allowance to noncurrent loans24.2220%6,955
Noncurrent assets plus other real estate owned to assets13.9300%97
Noncurrent loans to loans11.2220%211
Net loans and leases to total assets66.0135%4,583
Net loans and leases to deposits81.0955%4,436
Net loans and leases to core deposits88.5834%5,686
Total domestic deposits to total assets81.4021%4,792
Equity capital to assets7.8084%7,054
Core capital (leverage) ratio7.4519%7,212
Tier 1 risk-based capital ratio9.0771%7,747
Total risk-based capital ratio10.3389%7,756
Memoranda:
Average total assets$105,320,0005,028
Average earning assets$90,126,5005,216
Average equity$8,510,0005,876
Average total loans$72,502,0004,885
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7754%6,518
Cost of funding earning assets2.4798%4,318
Net interest margin3.2956%6,053
Noninterest income to average assets0.7211%2,978
Noninterest expense to average assets3.9667%1,465
Loan and lease loss provision to assets3.9334%173
Net operating income to assets-4.2735%8,025
Return on assets (ROA)-4.2735%8,009
Pretax return on assets-4.2735%7,941
Return on Equity (ROE)-37.4145%8,052
Retained earnings to average equity (ytd only)-39.2911%8,040
Net charge-offs to loans3.4324%232
Credit loss provision to net charge-offs152.9259%3,422
Earnings coverage of net charge-offs (x)-0.1322%6,335
Efficiency ratio109.3775%722
Assets per employee ($millions)4.1251%3,261
Cash dividends to net income (ytd only)*-5.0156%7,764
Condition Ratios (%)
Loss allowance to loans3.9628%193
Loan loss allowance to noncurrent loans32.6257%6,546
Noncurrent assets plus other real estate owned to assets13.1914%82
Noncurrent loans to loans12.1461%126
Net loans and leases to total assets67.0207%4,633
Net loans and leases to deposits82.3927%4,662
Net loans and leases to core deposits91.2554%5,696
Total domestic deposits to total assets81.3430%4,487
Equity capital to assets8.3420%6,354
Core capital (leverage) ratio8.1249%6,288
Tier 1 risk-based capital ratio9.9220%6,822
Total risk-based capital ratio11.1986%6,686
Memoranda:
Average total assets$104,972,6004,899
Average earning assets$92,547,6005,013
Average equity$11,990,0004,828
Average total loans$78,661,2004,565