The First National Bank and Trust Company of Broken Arrow, Performance and Condition Ratios

2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2775%574
Cost of funding earning assets0.2907%4,685
Net interest margin4.9868%199
Noninterest income to average assets0.5207%2,439
Noninterest expense to average assets3.2459%1,327
Loan and lease loss provision to assets0.3607%851
Net operating income to assets1.0350%2,060
Return on assets (ROA)1.0350%2,157
Pretax return on assets1.3807%1,624
Return on Equity (ROE)9.0502%2,093
Retained earnings to average equity (ytd only)9.0502%963
Net charge-offs to loans-0.0276%4,439
Credit loss provision to net charge-offs-1,690.0000%3,683
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0834%3,077
Assets per employee ($millions)4.2430%3,604
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5172%1,285
Loan loss allowance to noncurrent loans2,100.9804%281
Noncurrent assets plus other real estate owned to assets0.0534%4,325
Noncurrent loans to loans0.0722%4,236
Net loans and leases to total assets72.8549%1,794
Net loans and leases to deposits82.5127%2,386
Net loans and leases to core deposits86.5500%2,639
Total domestic deposits to total assets88.2954%977
Equity capital to assets11.3412%2,556
Core capital (leverage) ratio11.6315%1,976
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6710%1,429
Memoranda:
Average total assets$187,437,5002,979
Average earning assets$167,882,0003,035
Average equity$21,436,0003,036
Average total loans$145,035,5002,679
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1439%1,123
Cost of funding earning assets0.2892%4,754
Net interest margin4.8548%364
Noninterest income to average assets0.5380%2,545
Noninterest expense to average assets3.2581%1,388
Loan and lease loss provision to assets0.1712%1,219
Net operating income to assets1.1926%2,089
Return on assets (ROA)1.1926%2,184
Pretax return on assets1.5702%1,587
Return on Equity (ROE)10.6110%2,044
Retained earnings to average equity (ytd only)4.6760%2,600
Net charge-offs to loans0.3530%565
Credit loss provision to net charge-offs59.5865%3,040
Earnings coverage of net charge-offs (x)6.0602%3,011
Efficiency ratio65.1685%2,901
Assets per employee ($millions)3.9987%3,899
Cash dividends to net income (ytd only)*55.9330%1,753
Condition Ratios (%)
Loss allowance to loans1.3197%1,839
Loan loss allowance to noncurrent loans1,925.4902%321
Noncurrent assets plus other real estate owned to assets0.0555%4,349
Noncurrent loans to loans0.0685%4,263
Net loans and leases to total assets79.8404%813
Net loans and leases to deposits90.5531%1,529
Net loans and leases to core deposits93.9730%2,063
Total domestic deposits to total assets88.1696%1,049
Equity capital to assets11.5352%2,505
Core capital (leverage) ratio11.5776%2,054
Tier 1 risk-based capital ratio14.3289%3,102
Total risk-based capital ratio15.5798%3,011
Memoranda:
Average total assets$185,138,2002,962
Average earning assets$170,141,8002,984
Average equity$20,808,6003,053
Average total loans$150,690,6002,613
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1327%1,200
Cost of funding earning assets0.2853%4,833
Net interest margin4.8475%379
Noninterest income to average assets0.5357%2,535
Noninterest expense to average assets3.2902%1,292
Loan and lease loss provision to assets0.1129%1,733
Net operating income to assets1.2151%2,145
Return on assets (ROA)1.2151%2,218
Pretax return on assets1.6041%1,625
Return on Equity (ROE)10.8821%2,064
Retained earnings to average equity (ytd only)4.9259%2,928
Net charge-offs to loans-0.0150%4,502
Credit loss provision to net charge-offs-923.5294%4,415
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7094%2,767
Assets per employee ($millions)4.1216%3,728
Cash dividends to net income (ytd only)*54.7335%1,471
Condition Ratios (%)
Loss allowance to loans1.5546%1,104
Loan loss allowance to noncurrent loans386.5353%1,214
Noncurrent assets plus other real estate owned to assets0.3284%3,231
Noncurrent loans to loans0.4022%3,103
Net loans and leases to total assets80.3742%800
Net loans and leases to deposits91.0690%1,557
Net loans and leases to core deposits94.6092%2,122
Total domestic deposits to total assets88.2563%936
Equity capital to assets11.3210%2,821
Core capital (leverage) ratio11.3734%2,322
Tier 1 risk-based capital ratio14.1297%3,267
Total risk-based capital ratio15.3840%3,167
Memoranda:
Average total assets$185,437,2502,991
Average earning assets$171,054,5002,995
Average equity$20,706,2503,089
Average total loans$151,157,2502,637
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1191%1,177
Cost of funding earning assets0.2736%4,890
Net interest margin4.8455%375
Noninterest income to average assets0.5210%2,563
Noninterest expense to average assets3.2951%1,293
Loan and lease loss provision to assets0.1046%1,787
Net operating income to assets1.1962%2,163
Return on assets (ROA)1.1962%2,225
Pretax return on assets1.5909%1,574
Return on Equity (ROE)10.7621%2,069
Retained earnings to average equity (ytd only)7.4141%1,637
Net charge-offs to loans-0.0172%4,503
Credit loss provision to net charge-offs-746.1538%4,200
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0255%2,803
Assets per employee ($millions)4.2102%3,561
Cash dividends to net income (ytd only)*31.1091%2,580
Condition Ratios (%)
Loss allowance to loans1.4923%1,300
Loan loss allowance to noncurrent loans354.8837%1,352
Noncurrent assets plus other real estate owned to assets0.3482%3,141
Noncurrent loans to loans0.4205%3,025
Net loans and leases to total assets81.5641%666
Net loans and leases to deposits92.3716%1,447
Net loans and leases to core deposits95.8074%2,089
Total domestic deposits to total assets88.2999%966
Equity capital to assets11.3357%2,752
Core capital (leverage) ratio11.3494%2,297
Tier 1 risk-based capital ratio13.8634%3,392
Total risk-based capital ratio15.1166%3,290
Memoranda:
Average total assets$185,426,3302,997
Average earning assets$171,044,6703,009
Average equity$20,609,3303,092
Average total loans$151,068,3302,647
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0829%1,133
Cost of funding earning assets0.2735%4,921
Net interest margin4.8093%404
Noninterest income to average assets0.4830%2,663
Noninterest expense to average assets3.2278%1,427
Loan and lease loss provision to assets0.0819%2,061
Net operating income to assets1.2312%1,944
Return on assets (ROA)1.2312%1,992
Pretax return on assets1.6085%1,449
Return on Equity (ROE)11.1881%1,874
Retained earnings to average equity (ytd only)11.1881%764
Net charge-offs to loans-0.0107%4,248
Credit loss provision to net charge-offs-950.0000%3,918
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6291%2,993
Assets per employee ($millions)4.2385%3,562
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4727%1,423
Loan loss allowance to noncurrent loans328.5503%1,459
Noncurrent assets plus other real estate owned to assets0.3625%3,150
Noncurrent loans to loans0.4482%2,977
Net loans and leases to total assets79.6754%878
Net loans and leases to deposits89.9885%1,633
Net loans and leases to core deposits93.6330%2,158
Total domestic deposits to total assets88.5395%1,066
Equity capital to assets11.1162%2,730
Core capital (leverage) ratio11.3341%2,262
Tier 1 risk-based capital ratio13.9455%3,366
Total risk-based capital ratio15.1984%3,282
Memoranda:
Average total assets$185,516,0003,029
Average earning assets$171,084,5003,040
Average equity$20,414,5003,118
Average total loans$149,910,5002,690
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7347%1,719
Cost of funding earning assets0.1971%5,016
Net interest margin4.5376%714
Noninterest income to average assets0.7853%1,497
Noninterest expense to average assets3.2976%1,330
Loan and lease loss provision to assets0.0150%3,849
Net operating income to assets1.3033%1,785
Return on assets (ROA)1.3046%1,764
Pretax return on assets1.6403%1,342
Return on Equity (ROE)12.5127%1,545
Retained earnings to average equity (ytd only)7.1266%1,613
Net charge-offs to loans-0.0405%4,902
Credit loss provision to net charge-offs-48.2759%4,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6018%2,763
Assets per employee ($millions)4.1941%3,622
Cash dividends to net income (ytd only)*43.0447%2,355
Condition Ratios (%)
Loss allowance to loans1.4623%1,408
Loan loss allowance to noncurrent loans339.9376%1,482
Noncurrent assets plus other real estate owned to assets0.3474%3,156
Noncurrent loans to loans0.4302%2,997
Net loans and leases to total assets79.5669%1,005
Net loans and leases to deposits89.6279%1,845
Net loans and leases to core deposits93.3505%2,284
Total domestic deposits to total assets88.7747%957
Equity capital to assets10.8909%2,799
Core capital (leverage) ratio10.6948%2,843
Tier 1 risk-based capital ratio13.5742%3,509
Total risk-based capital ratio14.8254%3,415
Memoranda:
Average total assets$186,799,8002,990
Average earning assets$171,500,0003,006
Average equity$19,476,2003,139
Average total loans$143,142,8002,730
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5980%1,978
Cost of funding earning assets0.1721%5,134
Net interest margin4.4258%856
Noninterest income to average assets0.5266%2,704
Noninterest expense to average assets3.2293%1,460
Loan and lease loss provision to assets0.0199%3,608
Net operating income to assets1.0671%2,802
Return on assets (ROA)1.0688%2,802
Pretax return on assets1.3414%2,462
Return on Equity (ROE)10.3651%2,450
Retained earnings to average equity (ytd only)9.3300%1,103
Net charge-offs to loans-0.0527%4,946
Credit loss provision to net charge-offs-50.0000%4,161
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3784%2,140
Assets per employee ($millions)4.2360%3,522
Cash dividends to net income (ytd only)*9.9869%3,380
Condition Ratios (%)
Loss allowance to loans1.5723%1,145
Loan loss allowance to noncurrent loans353.4091%1,464
Noncurrent assets plus other real estate owned to assets0.3546%3,256
Noncurrent loans to loans0.4449%3,062
Net loans and leases to total assets71.4917%2,411
Net loans and leases to deposits80.1877%3,021
Net loans and leases to core deposits83.0757%3,240
Total domestic deposits to total assets89.1555%793
Equity capital to assets10.4925%3,149
Core capital (leverage) ratio10.5471%3,042
Tier 1 risk-based capital ratio14.3372%3,195
Total risk-based capital ratio15.5903%3,108
Memoranda:
Average total assets$187,365,0003,010
Average earning assets$171,955,5003,030
Average equity$19,320,7503,176
Average total loans$141,675,7502,764
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5166%2,037
Cost of funding earning assets0.1451%5,265
Net interest margin4.3715%905
Noninterest income to average assets0.5304%2,681
Noninterest expense to average assets3.2596%1,412
Loan and lease loss provision to assets0.0301%3,306
Net operating income to assets0.9659%3,162
Return on assets (ROA)0.9684%3,153
Pretax return on assets1.2562%2,697
Return on Equity (ROE)9.4480%2,831
Retained earnings to average equity (ytd only)7.8768%1,679
Net charge-offs to loans-0.1163%5,208
Credit loss provision to net charge-offs-33.7349%3,986
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7561%2,040
Assets per employee ($millions)4.2033%3,573
Cash dividends to net income (ytd only)*16.6297%3,100
Condition Ratios (%)
Loss allowance to loans1.5629%1,206
Loan loss allowance to noncurrent loans151.2697%2,757
Noncurrent assets plus other real estate owned to assets0.7846%1,912
Noncurrent loans to loans1.0332%1,705
Net loans and leases to total assets71.7933%2,307
Net loans and leases to deposits80.0693%2,938
Net loans and leases to core deposits82.5909%3,197
Total domestic deposits to total assets89.6639%684
Equity capital to assets10.0449%3,577
Core capital (leverage) ratio10.5790%2,945
Tier 1 risk-based capital ratio13.4377%3,650
Total risk-based capital ratio14.6907%3,567
Memoranda:
Average total assets$186,279,3303,034
Average earning assets$170,970,3303,054
Average equity$19,094,0003,214
Average total loans$142,749,0002,766
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5155%1,817
Cost of funding earning assets0.1353%5,338
Net interest margin4.3801%802
Noninterest income to average assets0.5275%2,646
Noninterest expense to average assets3.3774%1,203
Loan and lease loss provision to assets0.0613%2,552
Net operating income to assets0.8616%3,449
Return on assets (ROA)0.8668%3,442
Pretax return on assets1.1338%3,032
Return on Equity (ROE)8.3677%3,208
Retained earnings to average equity (ytd only)8.3677%1,699
Net charge-offs to loans-0.2145%5,390
Credit loss provision to net charge-offs-36.3636%3,601
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9693%1,902
Assets per employee ($millions)3.6898%4,426
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5375%1,327
Loan loss allowance to noncurrent loans110.6801%3,268
Noncurrent assets plus other real estate owned to assets1.1085%1,400
Noncurrent loans to loans1.3891%1,281
Net loans and leases to total assets76.2628%1,497
Net loans and leases to deposits85.5156%2,228
Net loans and leases to core deposits87.1665%2,704
Total domestic deposits to total assets89.1800%1,014
Equity capital to assets10.3382%3,229
Core capital (leverage) ratio10.6575%2,786
Tier 1 risk-based capital ratio12.8920%4,008
Total risk-based capital ratio14.1450%3,898
Memoranda:
Average total assets$182,743,5003,102
Average earning assets$168,487,5003,114
Average equity$18,930,0003,251
Average total loans$143,615,0002,768
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4498%1,879
Cost of funding earning assets0.0928%5,521
Net interest margin4.3570%850
Noninterest income to average assets0.6680%2,098
Noninterest expense to average assets3.4872%1,060
Loan and lease loss provision to assets0.0666%2,876
Net operating income to assets0.7647%3,321
Return on assets (ROA)0.7654%3,356
Pretax return on assets1.1298%3,061
Return on Equity (ROE)7.7466%2,922
Retained earnings to average equity (ytd only)5.8346%1,634
Net charge-offs to loans0.0971%2,109
Credit loss provision to net charge-offs92.4812%2,735
Earnings coverage of net charge-offs (x)16.6015%2,167
Efficiency ratio74.4740%1,829
Assets per employee ($millions)3.6199%4,541
Cash dividends to net income (ytd only)*24.6818%3,498
Condition Ratios (%)
Loss allowance to loans1.4501%1,580
Loan loss allowance to noncurrent loans84.2254%3,834
Noncurrent assets plus other real estate owned to assets1.4172%990
Noncurrent loans to loans1.7217%940
Net loans and leases to total assets78.5885%1,200
Net loans and leases to deposits91.2609%1,618
Net loans and leases to core deposits93.1202%2,274
Total domestic deposits to total assets86.1141%2,384
Equity capital to assets10.3798%3,294
Core capital (leverage) ratio10.3474%3,017
Tier 1 risk-based capital ratio12.4642%4,228
Total risk-based capital ratio13.7155%4,129
Memoranda:
Average total assets$184,730,4003,069
Average earning assets$170,208,8003,071
Average equity$18,253,2003,334
Average total loans$136,967,8002,824
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4569%1,766
Cost of funding earning assets0.0892%5,591
Net interest margin4.3677%786
Noninterest income to average assets0.5644%2,649
Noninterest expense to average assets3.5044%990
Loan and lease loss provision to assets0.0646%2,781
Net operating income to assets0.6741%4,106
Return on assets (ROA)0.6750%4,160
Pretax return on assets1.0068%3,660
Return on Equity (ROE)6.9168%3,707
Retained earnings to average equity (ytd only)5.9970%2,240
Net charge-offs to loans0.0533%2,377
Credit loss provision to net charge-offs166.6667%1,553
Earnings coverage of net charge-offs (x)27.5919%1,627
Efficiency ratio76.6091%1,510
Assets per employee ($millions)4.1888%3,675
Cash dividends to net income (ytd only)*13.2977%3,369
Condition Ratios (%)
Loss allowance to loans1.5576%1,337
Loan loss allowance to noncurrent loans297.4965%1,592
Noncurrent assets plus other real estate owned to assets0.4239%3,325
Noncurrent loans to loans0.5236%3,131
Net loans and leases to total assets71.7180%2,296
Net loans and leases to deposits80.0700%2,968
Net loans and leases to core deposits81.8066%3,305
Total domestic deposits to total assets89.5691%633
Equity capital to assets9.8834%4,045
Core capital (leverage) ratio10.0221%3,542
Tier 1 risk-based capital ratio12.8184%4,132
Total risk-based capital ratio14.0710%4,033
Memoranda:
Average total assets$185,664,0003,089
Average earning assets$170,458,0003,096
Average equity$18,119,7503,376
Average total loans$135,126,0002,865
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3028%2,114
Cost of funding earning assets0.0894%5,635
Net interest margin4.2134%1,050
Noninterest income to average assets0.5847%2,535
Noninterest expense to average assets3.5535%931
Loan and lease loss provision to assets0.0974%2,057
Net operating income to assets0.5442%4,550
Return on assets (ROA)0.5457%4,581
Pretax return on assets0.8142%4,220
Return on Equity (ROE)5.6157%4,217
Retained earnings to average equity (ytd only)4.2229%3,193
Net charge-offs to loans0.1057%1,573
Credit loss provision to net charge-offs126.7606%1,712
Earnings coverage of net charge-offs (x)11.8310%2,237
Efficiency ratio79.6215%1,260
Assets per employee ($millions)3.8034%4,273
Cash dividends to net income (ytd only)*24.8016%2,941
Condition Ratios (%)
Loss allowance to loans1.5631%1,352
Loan loss allowance to noncurrent loans288.3152%1,630
Noncurrent assets plus other real estate owned to assets0.6385%2,642
Noncurrent loans to loans0.5421%3,122
Net loans and leases to total assets71.7049%2,249
Net loans and leases to deposits79.8193%2,931
Net loans and leases to core deposits81.5708%3,288
Total domestic deposits to total assets89.8341%589
Equity capital to assets9.7672%4,160
Core capital (leverage) ratio9.8636%3,700
Tier 1 risk-based capital ratio12.7137%4,180
Total risk-based capital ratio13.9662%4,085
Memoranda:
Average total assets$184,719,3303,108
Average earning assets$170,030,0003,111
Average equity$17,949,6703,401
Average total loans$134,392,6702,880
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2767%2,025
Cost of funding earning assets0.0986%5,653
Net interest margin4.1781%1,035
Noninterest income to average assets0.6221%2,309
Noninterest expense to average assets3.5890%908
Loan and lease loss provision to assets0.1631%1,101
Net operating income to assets0.4894%4,641
Return on assets (ROA)0.4894%4,664
Pretax return on assets0.7417%4,308
Return on Equity (ROE)5.0497%4,370
Retained earnings to average equity (ytd only)5.0497%2,862
Net charge-offs to loans0.1825%927
Credit loss provision to net charge-offs122.9508%1,367
Earnings coverage of net charge-offs (x)6.8197%2,190
Efficiency ratio79.8645%1,401
Assets per employee ($millions)3.6152%4,618
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5671%1,463
Loan loss allowance to noncurrent loans286.4682%1,672
Noncurrent assets plus other real estate owned to assets0.8846%2,091
Noncurrent loans to loans0.5470%3,175
Net loans and leases to total assets72.1202%2,055
Net loans and leases to deposits80.3098%2,709
Net loans and leases to core deposits81.2227%3,175
Total domestic deposits to total assets89.8024%747
Equity capital to assets9.7485%4,021
Core capital (leverage) ratio9.6981%3,875
Tier 1 risk-based capital ratio12.9146%4,134
Total risk-based capital ratio14.1677%4,026
Memoranda:
Average total assets$183,895,0003,143
Average earning assets$170,412,5003,130
Average equity$17,823,0003,431
Average total loans$133,710,5002,903
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9333%3,447
Cost of funding earning assets0.0949%5,727
Net interest margin3.8384%2,176
Noninterest income to average assets0.7947%1,762
Noninterest expense to average assets3.3848%1,394
Loan and lease loss provision to assets0.2086%1,087
Net operating income to assets0.5256%4,526
Return on assets (ROA)0.5492%4,538
Pretax return on assets0.8049%4,176
Return on Equity (ROE)5.8406%4,060
Retained earnings to average equity (ytd only)3.1563%3,663
Net charge-offs to loans0.1409%1,853
Credit loss provision to net charge-offs224.1379%1,281
Earnings coverage of net charge-offs (x)10.5172%2,634
Efficiency ratio77.5708%1,761
Assets per employee ($millions)3.5963%4,613
Cash dividends to net income (ytd only)*45.9591%2,529
Condition Ratios (%)
Loss allowance to loans1.5892%1,397
Loan loss allowance to noncurrent loans154.6324%2,756
Noncurrent assets plus other real estate owned to assets0.8358%2,255
Noncurrent loans to loans1.0277%2,029
Net loans and leases to total assets71.0026%2,332
Net loans and leases to deposits80.5079%2,837
Net loans and leases to core deposits81.2245%3,291
Total domestic deposits to total assets88.1933%1,539
Equity capital to assets9.6351%4,135
Core capital (leverage) ratio9.5840%3,988
Tier 1 risk-based capital ratio13.3463%3,863
Total risk-based capital ratio14.6000%3,771
Memoranda:
Average total assets$186,984,4003,088
Average earning assets$173,848,2003,069
Average equity$17,583,8003,477
Average total loans$123,477,8003,020
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8615%3,729
Cost of funding earning assets0.0970%5,782
Net interest margin3.7645%2,475
Noninterest income to average assets0.6515%2,414
Noninterest expense to average assets3.3503%1,455
Loan and lease loss provision to assets0.0426%3,380
Net operating income to assets0.5182%4,631
Return on assets (ROA)0.5500%4,602
Pretax return on assets0.8012%4,303
Return on Equity (ROE)5.8839%4,129
Retained earnings to average equity (ytd only)3.7353%3,647
Net charge-offs to loans-0.0044%4,596
Credit loss provision to net charge-offs-1,500.0000%5,269
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7699%1,327
Assets per employee ($millions)3.6722%4,531
Cash dividends to net income (ytd only)*36.5157%2,500
Condition Ratios (%)
Loss allowance to loans1.5248%1,677
Loan loss allowance to noncurrent loans108.0886%3,452
Noncurrent assets plus other real estate owned to assets1.1128%1,825
Noncurrent loans to loans1.4107%1,553
Net loans and leases to total assets67.2796%2,907
Net loans and leases to deposits75.2008%3,478
Net loans and leases to core deposits75.9739%3,835
Total domestic deposits to total assets89.4666%686
Equity capital to assets9.5637%4,596
Core capital (leverage) ratio9.3965%4,328
Tier 1 risk-based capital ratio13.5018%3,858
Total risk-based capital ratio14.7547%3,765
Memoranda:
Average total assets$187,877,2503,094
Average earning assets$174,504,2503,081
Average equity$17,561,7503,505
Average total loans$121,264,5003,050
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8052%3,937
Cost of funding earning assets0.0962%5,868
Net interest margin3.7090%2,660
Noninterest income to average assets0.6625%2,319
Noninterest expense to average assets3.3550%1,470
Loan and lease loss provision to assets0.0160%3,793
Net operating income to assets0.5022%4,669
Return on assets (ROA)0.5253%4,707
Pretax return on assets0.7678%4,400
Return on Equity (ROE)5.6634%4,216
Retained earnings to average equity (ytd only)2.4190%4,348
Net charge-offs to loans0.0202%3,089
Credit loss provision to net charge-offs125.0000%1,802
Earnings coverage of net charge-offs (x)58.7500%899
Efficiency ratio81.7358%1,302
Assets per employee ($millions)3.8242%4,226
Cash dividends to net income (ytd only)*57.2874%1,642
Condition Ratios (%)
Loss allowance to loans1.5759%1,599
Loan loss allowance to noncurrent loans112.2995%3,469
Noncurrent assets plus other real estate owned to assets1.0470%2,033
Noncurrent loans to loans1.4033%1,592
Net loans and leases to total assets62.9936%3,500
Net loans and leases to deposits69.9065%3,994
Net loans and leases to core deposits70.6192%4,285
Total domestic deposits to total assets90.1112%445
Equity capital to assets9.4341%4,836
Core capital (leverage) ratio9.1986%4,596
Tier 1 risk-based capital ratio14.0758%3,559
Total risk-based capital ratio15.3289%3,476
Memoranda:
Average total assets$188,076,0003,108
Average earning assets$174,550,3303,089
Average equity$17,445,3303,523
Average total loans$119,035,0003,096
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7761%4,033
Cost of funding earning assets0.0988%5,922
Net interest margin3.6772%2,772
Noninterest income to average assets0.6326%2,353
Noninterest expense to average assets3.3584%1,469
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.4624%4,773
Return on assets (ROA)0.4946%4,746
Pretax return on assets0.7175%4,463
Return on Equity (ROE)5.3783%4,303
Retained earnings to average equity (ytd only)3.5778%3,707
Net charge-offs to loans-0.0304%5,071
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3509%1,218
Assets per employee ($millions)3.7990%4,304
Cash dividends to net income (ytd only)*33.4764%2,281
Condition Ratios (%)
Loss allowance to loans1.5756%1,699
Loan loss allowance to noncurrent loans86.1818%3,944
Noncurrent assets plus other real estate owned to assets1.3077%1,638
Noncurrent loans to loans1.8282%1,217
Net loans and leases to total assets62.3541%3,479
Net loans and leases to deposits68.8771%3,970
Net loans and leases to core deposits69.3177%4,285
Total domestic deposits to total assets90.5296%421
Equity capital to assets9.1972%4,989
Core capital (leverage) ratio9.3839%4,374
Tier 1 risk-based capital ratio14.1946%3,567
Total risk-based capital ratio15.4476%3,499
Memoranda:
Average total assets$188,422,0003,106
Average earning assets$174,043,5003,112
Average equity$17,329,0003,538
Average total loans$118,587,5003,106
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7588%4,166
Cost of funding earning assets0.1306%5,810
Net interest margin3.6282%3,023
Noninterest income to average assets0.6356%2,532
Noninterest expense to average assets3.3233%1,665
Loan and lease loss provision to assets0.0442%3,444
Net operating income to assets0.4435%4,905
Return on assets (ROA)0.4524%4,960
Pretax return on assets0.6351%4,720
Return on Equity (ROE)5.1407%4,443
Retained earnings to average equity (ytd only)4.7799%2,595
Net charge-offs to loans-0.0236%5,324
Credit loss provision to net charge-offs-314.8148%5,354
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2877%1,248
Assets per employee ($millions)3.8936%4,126
Cash dividends to net income (ytd only)*7.0196%4,138
Condition Ratios (%)
Loss allowance to loans1.6151%1,568
Loan loss allowance to noncurrent loans82.9086%4,063
Noncurrent assets plus other real estate owned to assets1.3853%1,508
Noncurrent loans to loans1.9480%1,089
Net loans and leases to total assets61.5057%3,629
Net loans and leases to deposits67.9725%4,133
Net loans and leases to core deposits68.5162%4,408
Total domestic deposits to total assets90.4861%441
Equity capital to assets9.1966%4,918
Core capital (leverage) ratio8.9786%4,909
Tier 1 risk-based capital ratio14.1413%3,643
Total risk-based capital ratio15.3945%3,554
Memoranda:
Average total assets$192,100,2003,025
Average earning assets$177,608,8003,023
Average equity$16,904,2003,540
Average total loans$114,581,6003,129
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7350%4,314
Cost of funding earning assets0.1389%5,859
Net interest margin3.5961%3,178
Noninterest income to average assets0.7501%2,026
Noninterest expense to average assets3.3725%1,526
Loan and lease loss provision to assets0.0586%3,015
Net operating income to assets0.4598%4,936
Return on assets (ROA)0.4598%5,030
Pretax return on assets0.6391%4,868
Return on Equity (ROE)5.2831%4,501
Retained earnings to average equity (ytd only)5.0851%2,854
Net charge-offs to loans-0.0269%5,306
Credit loss provision to net charge-offs-369.5652%5,310
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.8591%1,284
Assets per employee ($millions)3.6985%4,453
Cash dividends to net income (ytd only)*3.7478%3,732
Condition Ratios (%)
Loss allowance to loans1.6363%1,648
Loan loss allowance to noncurrent loans101.9491%3,637
Noncurrent assets plus other real estate owned to assets1.0285%2,297
Noncurrent loans to loans1.6050%1,542
Net loans and leases to total assets57.7466%4,171
Net loans and leases to deposits63.6405%4,585
Net loans and leases to core deposits64.0332%4,816
Total domestic deposits to total assets90.7388%329
Equity capital to assets8.7801%5,505
Core capital (leverage) ratio8.7257%5,321
Tier 1 risk-based capital ratio14.0037%3,845
Total risk-based capital ratio15.2576%3,787
Memoranda:
Average total assets$193,401,5003,036
Average earning assets$178,557,2503,040
Average equity$16,833,2503,582
Average total loans$114,017,5003,165
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7324%4,308
Cost of funding earning assets0.1481%5,860
Net interest margin3.5843%3,154
Noninterest income to average assets0.7355%2,059
Noninterest expense to average assets3.4457%1,384
Loan and lease loss provision to assets0.0883%2,342
Net operating income to assets0.3667%5,246
Return on assets (ROA)0.3667%5,353
Pretax return on assets0.5194%5,179
Return on Equity (ROE)4.2257%4,936
Retained earnings to average equity (ytd only)3.9264%3,508
Net charge-offs to loans-0.0106%4,934
Credit loss provision to net charge-offs-1,416.6667%5,420
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0077%1,152
Assets per employee ($millions)3.3199%5,130
Cash dividends to net income (ytd only)*7.0822%3,518
Condition Ratios (%)
Loss allowance to loans1.6106%1,872
Loan loss allowance to noncurrent loans112.5452%3,433
Noncurrent assets plus other real estate owned to assets1.0184%2,475
Noncurrent loans to loans1.4311%1,869
Net loans and leases to total assets59.1998%3,945
Net loans and leases to deposits65.2365%4,411
Net loans and leases to core deposits65.6460%4,682
Total domestic deposits to total assets90.7464%377
Equity capital to assets8.7545%5,480
Core capital (leverage) ratio8.5300%5,505
Tier 1 risk-based capital ratio13.7347%4,075
Total risk-based capital ratio14.9888%4,014
Memoranda:
Average total assets$192,528,0003,072
Average earning assets$178,222,6703,065
Average equity$16,707,3303,610
Average total loans$113,663,6703,187
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7208%4,296
Cost of funding earning assets0.1572%5,865
Net interest margin3.5636%3,155
Noninterest income to average assets0.7563%1,880
Noninterest expense to average assets3.4366%1,427
Loan and lease loss provision to assets0.0519%2,897
Net operating income to assets0.3927%5,094
Return on assets (ROA)0.3927%5,209
Pretax return on assets0.5651%5,008
Return on Equity (ROE)4.5453%4,740
Retained earnings to average equity (ytd only)4.5453%3,299
Net charge-offs to loans-0.0711%5,701
Credit loss provision to net charge-offs-125.0000%4,525
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7770%1,289
Assets per employee ($millions)3.5882%4,744
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5701%2,159
Loan loss allowance to noncurrent loans103.5857%3,609
Noncurrent assets plus other real estate owned to assets1.6103%1,587
Noncurrent loans to loans1.5158%1,860
Net loans and leases to total assets57.8128%3,972
Net loans and leases to deposits63.4929%4,427
Net loans and leases to core deposits63.7904%4,716
Total domestic deposits to total assets91.0539%346
Equity capital to assets8.5108%5,734
Core capital (leverage) ratio8.5334%5,490
Tier 1 risk-based capital ratio13.3435%4,403
Total risk-based capital ratio14.5968%4,315
Memoranda:
Average total assets$192,515,5003,085
Average earning assets$178,133,5003,085
Average equity$16,632,5003,643
Average total loans$112,567,0003,220
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6687%4,881
Cost of funding earning assets0.2181%5,606
Net interest margin3.4507%3,978
Noninterest income to average assets0.8456%1,694
Noninterest expense to average assets3.8755%879
Loan and lease loss provision to assets0.0011%4,587
Net operating income to assets0.1775%5,809
Return on assets (ROA)0.1800%5,853
Pretax return on assets0.1923%5,885
Return on Equity (ROE)2.1145%5,741
Retained earnings to average equity (ytd only)0.2886%5,649
Net charge-offs to loans0.1662%2,371
Credit loss provision to net charge-offs1.1561%4,196
Earnings coverage of net charge-offs (x)2.0636%4,260
Efficiency ratio95.3100%533
Assets per employee ($millions)3.2927%5,272
Cash dividends to net income (ytd only)*86.3501%684
Condition Ratios (%)
Loss allowance to loans1.6251%2,009
Loan loss allowance to noncurrent loans106.0968%3,576
Noncurrent assets plus other real estate owned to assets1.6523%1,630
Noncurrent loans to loans1.5318%1,917
Net loans and leases to total assets57.2490%4,163
Net loans and leases to deposits63.0533%4,626
Net loans and leases to core deposits63.3645%4,884
Total domestic deposits to total assets90.7945%433
Equity capital to assets8.7749%5,507
Core capital (leverage) ratio8.5406%5,514
Tier 1 risk-based capital ratio14.2756%3,918
Total risk-based capital ratio15.2189%4,042
Memoranda:
Average total assets$187,203,0003,131
Average earning assets$174,720,4003,101
Average equity$15,937,4003,674
Average total loans$104,062,2003,342
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6018%5,137
Cost of funding earning assets0.2217%5,649
Net interest margin3.3801%4,312
Noninterest income to average assets0.8631%1,650
Noninterest expense to average assets3.7109%1,099
Loan and lease loss provision to assets0.0014%4,382
Net operating income to assets0.2366%5,761
Return on assets (ROA)0.2395%5,814
Pretax return on assets0.3050%5,766
Return on Equity (ROE)2.8346%5,597
Retained earnings to average equity (ytd only)0.6833%5,600
Net charge-offs to loans0.1051%2,747
Credit loss provision to net charge-offs2.4691%3,784
Earnings coverage of net charge-offs (x)5.2468%3,304
Efficiency ratio92.4538%676
Assets per employee ($millions)3.3531%5,136
Cash dividends to net income (ytd only)*75.8923%851
Condition Ratios (%)
Loss allowance to loans1.6882%2,009
Loan loss allowance to noncurrent loans77.7269%4,249
Noncurrent assets plus other real estate owned to assets1.9795%1,458
Noncurrent loans to loans2.1719%1,408
Net loans and leases to total assets57.9029%4,083
Net loans and leases to deposits63.7215%4,573
Net loans and leases to core deposits64.1368%4,871
Total domestic deposits to total assets90.8688%397
Equity capital to assets8.5715%5,744
Core capital (leverage) ratio8.6030%5,549
Tier 1 risk-based capital ratio14.3356%3,999
Total risk-based capital ratio15.5904%3,923
Memoranda:
Average total assets$187,083,2503,167
Average earning assets$174,388,5003,131
Average equity$15,804,5003,716
Average total loans$102,772,5003,394
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5759%5,218
Cost of funding earning assets0.2246%5,704
Net interest margin3.3513%4,394
Noninterest income to average assets0.8413%1,698
Noninterest expense to average assets3.7067%1,128
Loan and lease loss provision to assets0.0011%4,188
Net operating income to assets0.2043%5,825
Return on assets (ROA)0.2087%5,865
Pretax return on assets0.2526%5,867
Return on Equity (ROE)2.4829%5,702
Retained earnings to average equity (ytd only)-0.7640%5,817
Net charge-offs to loans0.1737%2,004
Credit loss provision to net charge-offs1.1494%3,395
Earnings coverage of net charge-offs (x)2.6667%3,493
Efficiency ratio93.7212%657
Assets per employee ($millions)3.3191%5,223
Cash dividends to net income (ytd only)*130.7692%304
Condition Ratios (%)
Loss allowance to loans1.8190%1,796
Loan loss allowance to noncurrent loans83.4455%4,075
Noncurrent assets plus other real estate owned to assets1.9626%1,638
Noncurrent loans to loans2.1798%1,507
Net loans and leases to total assets53.0668%4,637
Net loans and leases to deposits58.2208%5,025
Net loans and leases to core deposits58.5960%5,226
Total domestic deposits to total assets91.1474%366
Equity capital to assets8.4244%5,863
Core capital (leverage) ratio8.2864%5,861
Tier 1 risk-based capital ratio14.5384%3,905
Total risk-based capital ratio15.7943%3,841
Memoranda:
Average total assets$186,853,3303,186
Average earning assets$173,604,6703,154
Average equity$15,707,6703,742
Average total loans$100,165,6703,453
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6236%5,094
Cost of funding earning assets0.2323%5,735
Net interest margin3.3914%4,157
Noninterest income to average assets0.9048%1,378
Noninterest expense to average assets3.7396%1,074
Loan and lease loss provision to assets0.0022%3,797
Net operating income to assets0.2413%5,691
Return on assets (ROA)0.2413%5,736
Pretax return on assets0.3080%5,700
Return on Equity (ROE)2.8732%5,502
Retained earnings to average equity (ytd only)-3.6684%6,029
Net charge-offs to loans0.1130%2,048
Credit loss provision to net charge-offs3.5714%2,656
Earnings coverage of net charge-offs (x)5.1429%2,417
Efficiency ratio92.3404%860
Assets per employee ($millions)3.4311%5,077
Cash dividends to net income (ytd only)*227.6786%200
Condition Ratios (%)
Loss allowance to loans1.9406%1,645
Loan loss allowance to noncurrent loans79.1993%4,204
Noncurrent assets plus other real estate owned to assets2.1319%1,575
Noncurrent loans to loans2.4502%1,421
Net loans and leases to total assets51.3855%4,740
Net loans and leases to deposits56.3550%5,084
Net loans and leases to core deposits56.6358%5,309
Total domestic deposits to total assets91.1817%495
Equity capital to assets8.3022%5,822
Core capital (leverage) ratio8.4028%5,743
Tier 1 risk-based capital ratio14.8143%3,803
Total risk-based capital ratio16.0712%3,756
Memoranda:
Average total assets$185,686,0003,223
Average earning assets$172,202,5003,191
Average equity$15,592,5003,768
Average total loans$99,120,5003,489
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5174%5,606
Cost of funding earning assets0.2580%5,921
Net interest margin3.2594%4,810
Noninterest income to average assets1.3142%800
Noninterest expense to average assets4.4426%550
Loan and lease loss provision to assets0.0032%5,046
Net operating income to assets-0.1388%6,333
Return on assets (ROA)0.0834%6,125
Pretax return on assets0.0689%6,130
Return on Equity (ROE)0.9890%6,084
Retained earnings to average equity (ytd only)0.9890%5,396
Net charge-offs to loans0.0298%4,831
Credit loss provision to net charge-offs21.4286%4,420
Earnings coverage of net charge-offs (x)-9.9643%5,424
Efficiency ratio103.4980%385
Assets per employee ($millions)3.3826%5,132
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.9587%1,650
Loan loss allowance to noncurrent loans66.1230%4,623
Noncurrent assets plus other real estate owned to assets2.7269%1,221
Noncurrent loans to loans2.9622%1,164
Net loans and leases to total assets53.3261%4,676
Net loans and leases to deposits58.5639%5,071
Net loans and leases to core deposits58.9552%5,310
Total domestic deposits to total assets91.0562%550
Equity capital to assets8.4954%5,588
Core capital (leverage) ratio8.5226%5,644
Tier 1 risk-based capital ratio14.6688%3,854
Total risk-based capital ratio15.9255%3,796
Memoranda:
Average total assets$185,816,4003,213
Average earning assets$169,784,0003,222
Average equity$15,672,4003,753
Average total loans$93,845,8003,605
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4402%5,802
Cost of funding earning assets0.2622%6,008
Net interest margin3.1780%5,062
Noninterest income to average assets1.3083%868
Noninterest expense to average assets4.5978%472
Loan and lease loss provision to assets0.0029%4,901
Net operating income to assets-0.2673%6,502
Return on assets (ROA)-0.0700%6,394
Pretax return on assets-0.1050%6,403
Return on Equity (ROE)-0.8316%6,414
Retained earnings to average equity (ytd only)-0.8316%6,108
Net charge-offs to loans0.0231%4,671
Credit loss provision to net charge-offs25.0000%3,978
Earnings coverage of net charge-offs (x)-34.6920%5,192
Efficiency ratio109.4388%276
Assets per employee ($millions)3.4264%5,002
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.1227%1,463
Loan loss allowance to noncurrent loans64.9618%4,615
Noncurrent assets plus other real estate owned to assets3.8409%843
Noncurrent loans to loans3.2676%1,197
Net loans and leases to total assets49.6655%5,177
Net loans and leases to deposits54.5646%5,488
Net loans and leases to core deposits54.9312%5,701
Total domestic deposits to total assets91.0213%523
Equity capital to assets8.4280%5,817
Core capital (leverage) ratio8.4797%5,787
Tier 1 risk-based capital ratio15.4400%3,500
Total risk-based capital ratio16.6980%3,453
Memoranda:
Average total assets$186,604,7503,232
Average earning assets$169,871,7503,242
Average equity$15,711,0003,791
Average total loans$92,469,0003,659
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4050%5,895
Cost of funding earning assets0.2642%6,084
Net interest margin3.1408%5,155
Noninterest income to average assets1.3172%898
Noninterest expense to average assets4.9640%363
Loan and lease loss provision to assets0.0032%4,744
Net operating income to assets-0.7141%6,698
Return on assets (ROA)-0.3622%6,611
Pretax return on assets-0.4047%6,595
Return on Equity (ROE)-4.3038%6,622
Retained earnings to average equity (ytd only)-4.3038%6,418
Net charge-offs to loans0.0540%3,922
Credit loss provision to net charge-offs12.0000%3,871
Earnings coverage of net charge-offs (x)-29.8400%4,890
Efficiency ratio118.9967%193
Assets per employee ($millions)3.5974%4,629
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.1183%1,591
Loan loss allowance to noncurrent loans40.3567%5,609
Noncurrent assets plus other real estate owned to assets4.8169%649
Noncurrent loans to loans5.2489%595
Net loans and leases to total assets47.1620%5,412
Net loans and leases to deposits51.4976%5,728
Net loans and leases to core deposits51.8244%5,897
Total domestic deposits to total assets91.5809%350
Equity capital to assets7.9628%6,223
Core capital (leverage) ratio8.2813%5,905
Tier 1 risk-based capital ratio15.0716%3,732
Total risk-based capital ratio16.3248%3,695
Memoranda:
Average total assets$188,274,0003,223
Average earning assets$171,101,3303,236
Average equity$15,846,3303,797
Average total loans$92,576,3303,666
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5007%5,705
Cost of funding earning assets0.2740%6,139
Net interest margin3.2267%4,817
Noninterest income to average assets1.3043%904
Noninterest expense to average assets5.1443%338
Loan and lease loss provision to assets0.0021%4,394
Net operating income to assets-0.9921%6,807
Return on assets (ROA)-0.5367%6,713
Pretax return on assets-0.4661%6,665
Return on Equity (ROE)-6.2058%6,724
Retained earnings to average equity (ytd only)-6.2058%6,428
Net charge-offs to loans0.0732%3,111
Credit loss provision to net charge-offs5.8824%3,186
Earnings coverage of net charge-offs (x)-25.2941%4,131
Efficiency ratio121.7611%204
Assets per employee ($millions)3.5375%4,901
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.1328%1,724
Loan loss allowance to noncurrent loans53.8334%4,986
Noncurrent assets plus other real estate owned to assets4.9657%741
Noncurrent loans to loans3.9619%1,146
Net loans and leases to total assets47.7734%5,249
Net loans and leases to deposits52.5871%5,566
Net loans and leases to core deposits52.9289%5,751
Total domestic deposits to total assets90.8463%594
Equity capital to assets8.5414%5,980
Core capital (leverage) ratio8.3389%5,778
Tier 1 risk-based capital ratio15.3290%3,635
Total risk-based capital ratio16.5874%3,583
Memoranda:
Average total assets$187,080,0003,268
Average earning assets$169,335,5003,287
Average equity$16,178,5003,790
Average total loans$92,931,5003,676
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7401%5,967
Cost of funding earning assets0.3935%5,962
Net interest margin3.3466%5,081
Noninterest income to average assets1.2936%918
Noninterest expense to average assets3.9038%1,097
Loan and lease loss provision to assets0.1912%3,244
Net operating income to assets0.1599%5,864
Return on assets (ROA)0.3053%5,654
Pretax return on assets0.4233%5,512
Return on Equity (ROE)3.5351%5,339
Retained earnings to average equity (ytd only)3.5351%3,731
Net charge-offs to loans0.6833%1,728
Credit loss provision to net charge-offs54.7840%4,587
Earnings coverage of net charge-offs (x)1.1821%4,869
Efficiency ratio90.4429%1,026
Assets per employee ($millions)3.3941%5,230
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.0860%1,802
Loan loss allowance to noncurrent loans50.6694%5,096
Noncurrent assets plus other real estate owned to assets5.5487%665
Noncurrent loans to loans4.1169%1,124
Net loans and leases to total assets49.4844%5,242
Net loans and leases to deposits54.5923%5,601
Net loans and leases to core deposits54.9492%5,799
Total domestic deposits to total assets90.6435%640
Equity capital to assets8.7549%5,788
Core capital (leverage) ratio8.4108%5,742
Tier 1 risk-based capital ratio15.2269%3,596
Total risk-based capital ratio16.4850%3,538
Memoranda:
Average total assets$185,690,4003,228
Average earning assets$167,721,6003,259
Average equity$16,039,2003,768
Average total loans$94,827,2003,644
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7591%6,108
Cost of funding earning assets0.4176%6,004
Net interest margin3.3415%5,243
Noninterest income to average assets0.8843%1,891
Noninterest expense to average assets3.4669%1,837
Loan and lease loss provision to assets0.2531%2,544
Net operating income to assets0.1355%6,058
Return on assets (ROA)0.2919%5,840
Pretax return on assets0.3990%5,721
Return on Equity (ROE)3.3910%5,537
Retained earnings to average equity (ytd only)3.3910%4,480
Net charge-offs to loans0.7049%1,568
Credit loss provision to net charge-offs70.1195%3,899
Earnings coverage of net charge-offs (x)1.2131%4,691
Efficiency ratio88.7866%1,127
Assets per employee ($millions)3.2191%5,597
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.2529%1,606
Loan loss allowance to noncurrent loans49.7525%5,140
Noncurrent assets plus other real estate owned to assets5.6334%745
Noncurrent loans to loans4.5281%1,041
Net loans and leases to total assets49.0563%5,429
Net loans and leases to deposits54.3328%5,781
Net loans and leases to core deposits54.6890%5,994
Total domestic deposits to total assets90.2886%687
Equity capital to assets8.7666%6,050
Core capital (leverage) ratio8.3729%5,922
Tier 1 risk-based capital ratio15.0818%3,795
Total risk-based capital ratio16.3382%3,740
Memoranda:
Average total assets$185,444,7503,266
Average earning assets$167,625,5003,289
Average equity$15,963,2503,821
Average total loans$94,948,5003,680
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7964%6,148
Cost of funding earning assets0.4513%5,965
Net interest margin3.3452%5,286
Noninterest income to average assets0.9102%1,748
Noninterest expense to average assets3.3920%2,049
Loan and lease loss provision to assets0.3783%1,734
Net operating income to assets0.1198%6,115
Return on assets (ROA)0.3232%5,735
Pretax return on assets0.4551%5,565
Return on Equity (ROE)3.7780%5,371
Retained earnings to average equity (ytd only)3.7780%4,099
Net charge-offs to loans1.0612%1,037
Credit loss provision to net charge-offs69.1700%3,583
Earnings coverage of net charge-offs (x)1.0000%4,525
Efficiency ratio86.1142%1,421
Assets per employee ($millions)3.2277%5,596
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.2602%1,657
Loan loss allowance to noncurrent loans49.5178%5,140
Noncurrent assets plus other real estate owned to assets5.7071%762
Noncurrent loans to loans4.5645%1,152
Net loans and leases to total assets48.6237%5,545
Net loans and leases to deposits53.6725%5,907
Net loans and leases to core deposits54.1408%6,087
Total domestic deposits to total assets90.5933%619
Equity capital to assets8.5916%6,129
Core capital (leverage) ratio8.3124%5,892
Tier 1 risk-based capital ratio14.9557%3,793
Total risk-based capital ratio16.2152%3,738
Memoranda:
Average total assets$185,023,6703,278
Average earning assets$167,526,0003,304
Average equity$15,828,3303,832
Average total loans$95,363,6703,683
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8387%6,165
Cost of funding earning assets0.4849%5,904
Net interest margin3.3537%5,297
Noninterest income to average assets0.9134%1,690
Noninterest expense to average assets3.4752%1,816
Loan and lease loss provision to assets0.7612%663
Net operating income to assets-0.2539%6,680
Return on assets (ROA)0.1196%6,324
Pretax return on assets0.1348%6,327
Return on Equity (ROE)1.4012%6,254
Retained earnings to average equity (ytd only)1.4012%5,536
Net charge-offs to loans2.0854%438
Credit loss provision to net charge-offs69.5825%2,921
Earnings coverage of net charge-offs (x)0.4354%4,130
Efficiency ratio87.9472%1,287
Assets per employee ($millions)3.2655%5,629
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.2453%1,786
Loan loss allowance to noncurrent loans54.5690%4,816
Noncurrent assets plus other real estate owned to assets5.6201%863
Noncurrent loans to loans4.1146%1,474
Net loans and leases to total assets49.3070%5,392
Net loans and leases to deposits54.2529%5,783
Net loans and leases to core deposits54.7255%6,001
Total domestic deposits to total assets90.8835%606
Equity capital to assets8.4261%6,147
Core capital (leverage) ratio8.2889%5,889
Tier 1 risk-based capital ratio14.6097%4,014
Total risk-based capital ratio15.8696%3,969
Memoranda:
Average total assets$183,932,0003,321
Average earning assets$166,620,5003,339
Average equity$15,700,5003,861
Average total loans$96,479,5003,675
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8802%6,639
Cost of funding earning assets0.5957%6,109
Net interest margin3.2845%5,858
Noninterest income to average assets0.6845%2,690
Noninterest expense to average assets3.5311%1,909
Loan and lease loss provision to assets0.2848%3,385
Net operating income to assets-0.0775%6,141
Return on assets (ROA)-0.0184%6,180
Pretax return on assets-0.0515%6,173
Return on Equity (ROE)-0.2153%6,184
Retained earnings to average equity (ytd only)-2.3367%6,196
Net charge-offs to loans0.2312%4,336
Credit loss provision to net charge-offs221.5190%1,097
Earnings coverage of net charge-offs (x)1.0970%4,964
Efficiency ratio96.1595%815
Assets per employee ($millions)3.1882%5,735
Cash dividends to net income (ytd only)*-985.2941%7,347
Condition Ratios (%)
Loss allowance to loans2.2822%1,652
Loan loss allowance to noncurrent loans54.0909%4,808
Noncurrent assets plus other real estate owned to assets4.9497%1,082
Noncurrent loans to loans4.2191%1,454
Net loans and leases to total assets53.2730%5,133
Net loans and leases to deposits58.8101%5,620
Net loans and leases to core deposits59.3345%5,901
Total domestic deposits to total assets90.5848%671
Equity capital to assets8.6486%5,959
Core capital (leverage) ratio8.1686%6,044
Tier 1 risk-based capital ratio14.5968%3,906
Total risk-based capital ratio15.8584%3,879
Memoranda:
Average total assets$184,364,4003,267
Average earning assets$167,695,8003,285
Average equity$15,791,2003,756
Average total loans$102,515,4003,558
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9350%6,683
Cost of funding earning assets0.6228%6,168
Net interest margin3.3122%5,824
Noninterest income to average assets0.7192%2,482
Noninterest expense to average assets3.5786%1,759
Loan and lease loss provision to assets0.0540%5,771
Net operating income to assets0.0916%5,983
Return on assets (ROA)0.1304%6,006
Pretax return on assets0.1405%6,026
Return on Equity (ROE)1.5265%5,928
Retained earnings to average equity (ytd only)-1.2988%6,202
Net charge-offs to loans0.2425%3,908
Credit loss provision to net charge-offs39.8936%5,249
Earnings coverage of net charge-offs (x)1.1277%4,782
Efficiency ratio95.9058%830
Assets per employee ($millions)3.1979%5,686
Cash dividends to net income (ytd only)*185.0827%70
Condition Ratios (%)
Loss allowance to loans1.8221%2,858
Loan loss allowance to noncurrent loans40.7002%5,586
Noncurrent assets plus other real estate owned to assets4.6755%1,268
Noncurrent loans to loans4.4769%1,438
Net loans and leases to total assets54.0337%5,155
Net loans and leases to deposits59.7768%5,656
Net loans and leases to core deposits60.2132%5,979
Total domestic deposits to total assets90.3923%679
Equity capital to assets8.6431%6,151
Core capital (leverage) ratio8.4210%5,823
Tier 1 risk-based capital ratio15.3485%3,461
Total risk-based capital ratio16.6060%3,425
Memoranda:
Average total assets$185,023,5003,277
Average earning assets$168,263,2503,284
Average equity$15,809,7503,773
Average total loans$103,376,0003,561
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9803%6,695
Cost of funding earning assets0.6515%6,223
Net interest margin3.3288%5,774
Noninterest income to average assets0.6653%2,737
Noninterest expense to average assets3.5927%1,757
Loan and lease loss provision to assets0.0811%5,294
Net operating income to assets0.0389%6,148
Return on assets (ROA)0.0995%6,098
Pretax return on assets0.0757%6,137
Return on Equity (ROE)1.1693%6,041
Retained earnings to average equity (ytd only)-2.2496%6,283
Net charge-offs to loans0.3506%3,148
Credit loss provision to net charge-offs41.2088%4,797
Earnings coverage of net charge-offs (x)0.4890%4,942
Efficiency ratio97.3900%814
Assets per employee ($millions)3.2095%5,617
Cash dividends to net income (ytd only)*292.3913%55
Condition Ratios (%)
Loss allowance to loans1.8259%2,903
Loan loss allowance to noncurrent loans42.0460%5,518
Noncurrent assets plus other real estate owned to assets4.4455%1,422
Noncurrent loans to loans4.3426%1,554
Net loans and leases to total assets52.9843%5,439
Net loans and leases to deposits58.3494%5,896
Net loans and leases to core deposits59.0208%6,189
Total domestic deposits to total assets90.8052%587
Equity capital to assets8.3688%6,341
Core capital (leverage) ratio8.4541%5,624
Tier 1 risk-based capital ratio15.2921%3,354
Total risk-based capital ratio16.5497%3,305
Memoranda:
Average total assets$184,872,3303,304
Average earning assets$167,926,0003,310
Average equity$15,736,0003,778
Average total loans$103,808,0003,587
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0389%6,621
Cost of funding earning assets0.6735%6,281
Net interest margin3.3653%5,560
Noninterest income to average assets0.5366%3,607
Noninterest expense to average assets3.5832%1,806
Loan and lease loss provision to assets0.1643%3,990
Net operating income to assets-0.0388%6,398
Return on assets (ROA)0.0285%6,318
Pretax return on assets-0.0635%6,416
Return on Equity (ROE)0.3316%6,295
Retained earnings to average equity (ytd only)-6.5304%6,642
Net charge-offs to loans0.3365%2,713
Credit loss provision to net charge-offs85.2273%3,033
Earnings coverage of net charge-offs (x)-0.0227%4,593
Efficiency ratio100.1224%740
Assets per employee ($millions)3.0005%6,142
Cash dividends to net income (ytd only)*2,069.2308%7
Condition Ratios (%)
Loss allowance to loans1.8796%2,759
Loan loss allowance to noncurrent loans46.2373%5,230
Noncurrent assets plus other real estate owned to assets4.4818%1,448
Noncurrent loans to loans4.0651%1,773
Net loans and leases to total assets55.9015%5,010
Net loans and leases to deposits61.6475%5,553
Net loans and leases to core deposits62.3793%5,892
Total domestic deposits to total assets90.6792%769
Equity capital to assets8.4936%5,914
Core capital (leverage) ratio8.5030%5,445
Tier 1 risk-based capital ratio14.8382%3,515
Total risk-based capital ratio16.0963%3,473
Memoranda:
Average total assets$182,629,5003,361
Average earning assets$165,096,0003,378
Average equity$15,680,5003,783
Average total loans$104,614,0003,610
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2456%6,864
Cost of funding earning assets0.9856%5,760
Net interest margin3.2600%6,103
Noninterest income to average assets0.9526%1,664
Noninterest expense to average assets3.7728%1,537
Loan and lease loss provision to assets0.8532%1,920
Net operating income to assets-0.3605%6,274
Return on assets (ROA)-0.1030%6,057
Pretax return on assets-0.3130%6,170
Return on Equity (ROE)-1.2453%6,088
Retained earnings to average equity (ytd only)-1.4717%5,882
Net charge-offs to loans1.2793%1,755
Credit loss provision to net charge-offs118.9993%3,568
Earnings coverage of net charge-offs (x)0.1922%5,919
Efficiency ratio96.4765%946
Assets per employee ($millions)2.9392%6,232
Cash dividends to net income (ytd only)*-18.1818%7,518
Condition Ratios (%)
Loss allowance to loans1.8790%2,617
Loan loss allowance to noncurrent loans47.0083%5,180
Noncurrent assets plus other real estate owned to assets5.8087%1,042
Noncurrent loans to loans3.9971%1,815
Net loans and leases to total assets56.5111%5,256
Net loans and leases to deposits62.4289%5,799
Net loans and leases to core deposits64.0596%6,047
Total domestic deposits to total assets90.5207%821
Equity capital to assets8.6787%5,614
Core capital (leverage) ratio8.4797%5,401
Tier 1 risk-based capital ratio14.4159%3,605
Total risk-based capital ratio15.6724%3,554
Memoranda:
Average total assets$192,325,4003,198
Average earning assets$174,510,0003,196
Average equity$15,900,0003,787
Average total loans$107,792,0003,599
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2683%7,008
Cost of funding earning assets1.0643%5,623
Net interest margin3.2040%6,330
Noninterest income to average assets0.9635%1,569
Noninterest expense to average assets3.8333%1,311
Loan and lease loss provision to assets0.7814%1,949
Net operating income to assets-0.3682%6,486
Return on assets (ROA)-0.0958%6,268
Pretax return on assets-0.3127%6,415
Return on Equity (ROE)-1.1724%6,301
Retained earnings to average equity (ytd only)-1.4739%6,094
Net charge-offs to loans1.3591%1,493
Credit loss provision to net charge-offs103.2550%4,157
Earnings coverage of net charge-offs (x)0.0570%5,971
Efficiency ratio98.8879%782
Assets per employee ($millions)3.0189%6,115
Cash dividends to net income (ytd only)*-25.7152%7,658
Condition Ratios (%)
Loss allowance to loans1.6640%3,278
Loan loss allowance to noncurrent loans31.3634%6,257
Noncurrent assets plus other real estate owned to assets5.9731%1,002
Noncurrent loans to loans5.3054%1,275
Net loans and leases to total assets55.1287%5,675
Net loans and leases to deposits60.9419%6,222
Net loans and leases to core deposits62.2786%6,437
Total domestic deposits to total assets90.4611%652
Equity capital to assets8.6050%6,148
Core capital (leverage) ratio8.0652%6,254
Tier 1 risk-based capital ratio14.6141%3,454
Total risk-based capital ratio15.8682%3,418
Memoranda:
Average total assets$194,849,7503,208
Average earning assets$177,147,0003,200
Average equity$15,921,2503,823
Average total loans$108,502,2503,631
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3255%7,004
Cost of funding earning assets1.1075%5,630
Net interest margin3.2180%6,260
Noninterest income to average assets1.0577%1,197
Noninterest expense to average assets3.5611%1,884
Loan and lease loss provision to assets0.6474%2,224
Net operating income to assets-0.1327%6,270
Return on assets (ROA)0.1033%5,972
Pretax return on assets0.0142%6,132
Return on Equity (ROE)1.2863%5,874
Retained earnings to average equity (ytd only)1.2863%5,239
Net charge-offs to loans1.3675%1,394
Credit loss provision to net charge-offs85.2000%4,564
Earnings coverage of net charge-offs (x)0.5600%5,173
Efficiency ratio89.3266%1,391
Assets per employee ($millions)3.1349%5,833
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5040%3,913
Loan loss allowance to noncurrent loans40.0651%5,674
Noncurrent assets plus other real estate owned to assets5.1357%1,236
Noncurrent loans to loans3.7538%2,073
Net loans and leases to total assets53.0220%6,106
Net loans and leases to deposits60.0835%6,405
Net loans and leases to core deposits60.8683%6,643
Total domestic deposits to total assets88.2471%1,854
Equity capital to assets8.3503%6,355
Core capital (leverage) ratio8.0829%6,149
Tier 1 risk-based capital ratio14.8958%3,209
Total risk-based capital ratio16.1484%3,183
Memoranda:
Average total assets$197,409,3303,202
Average earning assets$179,676,6703,195
Average equity$15,859,6703,823
Average total loans$109,692,6703,646
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3735%7,034
Cost of funding earning assets1.1261%5,771
Net interest margin3.2475%6,139
Noninterest income to average assets1.1066%1,031
Noninterest expense to average assets3.5123%1,950
Loan and lease loss provision to assets0.4378%2,773
Net operating income to assets0.1723%5,782
Return on assets (ROA)0.1723%5,907
Pretax return on assets0.1257%6,072
Return on Equity (ROE)2.1874%5,685
Retained earnings to average equity (ytd only)2.1874%4,823
Net charge-offs to loans1.1708%1,444
Credit loss provision to net charge-offs66.2577%4,176
Earnings coverage of net charge-offs (x)0.8528%4,284
Efficiency ratio86.1760%1,775
Assets per employee ($millions)3.1350%5,911
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4744%4,045
Loan loss allowance to noncurrent loans26.8411%6,606
Noncurrent assets plus other real estate owned to assets5.3035%1,181
Noncurrent loans to loans5.4930%1,278
Net loans and leases to total assets53.2895%6,117
Net loans and leases to deposits60.0583%6,463
Net loans and leases to core deposits60.8839%6,676
Total domestic deposits to total assets88.7296%1,658
Equity capital to assets7.7741%6,865
Core capital (leverage) ratio7.5473%6,805
Tier 1 risk-based capital ratio13.7691%3,817
Total risk-based capital ratio15.0215%3,769
Memoranda:
Average total assets$197,363,5003,252
Average earning assets$180,449,0003,243
Average equity$15,543,5003,911
Average total loans$111,380,0003,656
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9657%6,539
Cost of funding earning assets1.4702%5,634
Net interest margin3.4955%4,973
Noninterest income to average assets1.2187%1,027
Noninterest expense to average assets3.6274%2,085
Loan and lease loss provision to assets1.2066%1,908
Net operating income to assets-0.2013%5,841
Return on assets (ROA)-0.0556%5,619
Pretax return on assets-0.1960%5,700
Return on Equity (ROE)-0.7156%5,660
Retained earnings to average equity (ytd only)-2.9722%5,696
Net charge-offs to loans1.4526%1,729
Credit loss provision to net charge-offs147.1271%3,202
Earnings coverage of net charge-offs (x)0.9548%5,159
Efficiency ratio82.2460%2,568
Assets per employee ($millions)3.0326%6,140
Cash dividends to net income (ytd only)*-315.3153%7,972
Condition Ratios (%)
Loss allowance to loans1.4968%3,747
Loan loss allowance to noncurrent loans92.9348%3,005
Noncurrent assets plus other real estate owned to assets3.3686%2,021
Noncurrent loans to loans1.6106%4,242
Net loans and leases to total assets57.9792%5,670
Net loans and leases to deposits65.6033%6,100
Net loans and leases to core deposits71.3018%6,695
Total domestic deposits to total assets88.3784%1,781
Equity capital to assets7.9804%6,604
Core capital (leverage) ratio7.5801%6,707
Tier 1 risk-based capital ratio12.8562%4,241
Total risk-based capital ratio14.1085%4,195
Memoranda:
Average total assets$199,482,6003,187
Average earning assets$182,150,4003,195
Average equity$15,510,6003,969
Average total loans$112,628,8003,634
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0450%6,462
Cost of funding earning assets1.5468%5,647
Net interest margin3.4982%4,871
Noninterest income to average assets1.2521%985
Noninterest expense to average assets3.3918%2,603
Loan and lease loss provision to assets1.5309%1,243
Net operating income to assets-0.1577%5,997
Return on assets (ROA)0.0352%5,684
Pretax return on assets-0.1726%5,939
Return on Equity (ROE)0.4554%5,650
Retained earnings to average equity (ytd only)-2.5607%5,832
Net charge-offs to loans1.6763%1,210
Credit loss provision to net charge-offs163.4302%2,886
Earnings coverage of net charge-offs (x)1.1283%4,933
Efficiency ratio76.2424%3,462
Assets per employee ($millions)3.1549%5,769
Cash dividends to net income (ytd only)*662.3125%52
Condition Ratios (%)
Loss allowance to loans1.6652%2,744
Loan loss allowance to noncurrent loans135.3506%2,104
Noncurrent assets plus other real estate owned to assets3.0369%2,279
Noncurrent loans to loans1.2303%4,894
Net loans and leases to total assets54.4904%6,326
Net loans and leases to deposits61.6527%6,708
Net loans and leases to core deposits66.6117%7,135
Total domestic deposits to total assets88.3829%1,484
Equity capital to assets7.8925%6,952
Core capital (leverage) ratio7.2744%7,209
Tier 1 risk-based capital ratio13.4659%3,878
Total risk-based capital ratio14.7205%3,809
Memoranda:
Average total assets$200,831,5003,196
Average earning assets$183,516,5003,198
Average equity$15,516,0004,001
Average total loans$112,226,0003,679
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1107%6,388
Cost of funding earning assets1.6184%5,673
Net interest margin3.4923%4,836
Noninterest income to average assets1.2435%994
Noninterest expense to average assets3.3674%2,733
Loan and lease loss provision to assets2.1854%731
Net operating income to assets-0.5799%6,634
Return on assets (ROA)-0.5012%6,559
Pretax return on assets-0.9994%6,816
Return on Equity (ROE)-6.5334%6,763
Retained earnings to average equity (ytd only)-10.4146%6,917
Net charge-offs to loans2.2724%787
Credit loss provision to net charge-offs171.6290%2,678
Earnings coverage of net charge-offs (x)0.8348%4,913
Efficiency ratio76.0081%3,684
Assets per employee ($millions)3.2792%5,373
Cash dividends to net income (ytd only)*-59.4059%8,021
Condition Ratios (%)
Loss allowance to loans1.6616%2,484
Loan loss allowance to noncurrent loans109.4873%2,681
Noncurrent assets plus other real estate owned to assets2.9677%2,145
Noncurrent loans to loans1.5176%4,218
Net loans and leases to total assets53.2269%6,545
Net loans and leases to deposits61.4907%6,777
Net loans and leases to core deposits66.4303%7,193
Total domestic deposits to total assets86.5609%2,479
Equity capital to assets7.3788%7,366
Core capital (leverage) ratio7.0108%7,531
Tier 1 risk-based capital ratio12.6778%4,371
Total risk-based capital ratio13.9325%4,285
Memoranda:
Average total assets$201,522,6703,205
Average earning assets$183,888,6703,214
Average equity$15,459,0004,024
Average total loans$112,922,0003,703
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2089%6,258
Cost of funding earning assets1.7319%5,467
Net interest margin3.4770%4,820
Noninterest income to average assets1.0533%1,334
Noninterest expense to average assets3.3489%2,501
Loan and lease loss provision to assets4.3299%209
Net operating income to assets-1.9760%7,655
Return on assets (ROA)-1.9760%7,653
Pretax return on assets-3.4615%7,830
Return on Equity (ROE)-25.2594%7,849
Retained earnings to average equity (ytd only)-32.9682%7,886
Net charge-offs to loans4.3535%267
Credit loss provision to net charge-offs174.4130%2,472
Earnings coverage of net charge-offs (x)0.3498%4,693
Efficiency ratio79.4090%2,924
Assets per employee ($millions)3.2126%5,562
Cash dividends to net income (ytd only)*-30.5188%8,114
Condition Ratios (%)
Loss allowance to loans1.6267%2,415
Loan loss allowance to noncurrent loans109.4229%2,826
Noncurrent assets plus other real estate owned to assets3.0104%1,875
Noncurrent loans to loans1.4866%4,062
Net loans and leases to total assets55.5169%6,305
Net loans and leases to deposits64.3054%6,531
Net loans and leases to core deposits69.6593%7,040
Total domestic deposits to total assets86.3332%2,532
Equity capital to assets7.3870%7,429
Core capital (leverage) ratio6.9357%7,674
Tier 1 risk-based capital ratio11.9629%4,991
Total risk-based capital ratio13.2136%4,893
Memoranda:
Average total assets$198,988,5003,257
Average earning assets$181,075,0003,264
Average equity$15,566,5004,027
Average total loans$113,473,0003,709
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1493%4,780
Cost of funding earning assets2.2618%5,332
Net interest margin3.8875%3,628
Noninterest income to average assets1.0820%1,347
Noninterest expense to average assets3.9277%1,519
Loan and lease loss provision to assets0.1583%5,344
Net operating income to assets0.4058%5,128
Return on assets (ROA)0.4058%4,944
Pretax return on assets0.5000%4,975
Return on Equity (ROE)5.0603%4,359
Retained earnings to average equity (ytd only)0.9905%4,635
Net charge-offs to loans0.2438%3,826
Credit loss provision to net charge-offs113.5036%4,754
Earnings coverage of net charge-offs (x)4.7190%3,887
Efficiency ratio85.6445%1,893
Assets per employee ($millions)3.0560%5,917
Cash dividends to net income (ytd only)*80.4266%1,684
Condition Ratios (%)
Loss allowance to loans0.8330%6,965
Loan loss allowance to noncurrent loans29.5748%6,733
Noncurrent assets plus other real estate owned to assets3.5198%1,264
Noncurrent loans to loans2.8166%1,926
Net loans and leases to total assets57.1553%6,314
Net loans and leases to deposits67.0999%6,546
Net loans and leases to core deposits74.4692%6,941
Total domestic deposits to total assets85.1795%2,761
Equity capital to assets8.2738%6,454
Core capital (leverage) ratio7.8186%6,774
Tier 1 risk-based capital ratio13.7153%3,685
Total risk-based capital ratio14.5464%3,844
Memoranda:
Average total assets$196,402,0003,185
Average earning assets$177,027,2003,227
Average equity$15,750,0003,984
Average total loans$112,405,2003,627