$25M-$50M In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 110 249 213 180 145 76 83 1,056
Yield 5.90% 5.82% 5.55% 5.61% 5.60% 5.51% 5.52% 5.66%
PLL 0.50% 0.29% 0.25% 0.26% 0.28% 0.23% 0.23% 0.29%
COF 1.94% 1.77% 1.83% 1.84% 1.74% 1.80% 1.71% 1.80%
Op. Exp. 4.65% 4.52% 3.96% 3.97% 3.85% 3.79% 3.21% 4.08%
Other Income 1.40% 1.36% 1.16% 1.22% 1.07% 0.97% 0.71% 1.18%
ROA 0.20% 0.60% 0.67% 0.75% 0.80% 0.66% 1.08% 0.67%
$50M-$100M In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 89 216 191 123 75 31 37 762
Yield 5.89% 5.69% 5.59% 5.42% 5.41% 5.42% 5.34% 5.59%
PLL 0.80% 0.36% 0.29% 0.22% 0.22% 0.25% 0.25% 0.35%
COF 2.06% 1.91% 1.94% 1.91% 1.80% 1.81% 1.75% 1.91%
Oper. Exp. 4.40% 4.36% 4.08% 3.75% 3.71% 3.92% 3.38% 4.07%
Other Income 1.43% 1.58% 1.43% 1.25% 1.17% 1.38% 0.86% 1.39%
ROA 0.07% 0.66% 0.71% 0.79% 0.85% 0.82% 0.83% 0.66%
$100M-$250M In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 88 213 183 100 45 13 16 658
Yield 5.64% 5.59% 5.51% 5.38% 5.23% 4.92% 5.06% 5.49%
PLL 0.53% 0.37% 0.30% 0.27% 0.19% 0.13% 0.15% 0.34%
COF 2.24% 2.10% 1.99% 1.93% 2.03% 1.90% 1.99% 2.05%
Oper. Exp. 4.20% 4.01% 3.90% 3.62% 3.31% 3.08% 2.81% 3.85%
Other Income 1.59% 1.50% 1.53% 1.28% 1.22% 1.18% 0.90% 1.45%
ROA 0.25% 0.60% 0.85% 0.84% 0.93% 0.98% 1.02% 0.70%
$250M-$500M In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 37 93 81 41 16 5 9 282
Yield 5.52% 5.42% 5.39% 5.34% 5.23% 5.29% 5.51% 5.40%
PLL 0.29% 0.36% 0.28% 0.29% 0.18% 0.21% 0.22% 0.30%
COF 2.27% 2.17% 2.05% 2.03% 2.02% 2.16% 2.06% 2.11%
Oper. Exp. 3.91% 3.69% 3.71% 3.43% 3.21% 2.75% 3.03% 3.62%
Other Income 1.60% 1.50% 1.55% 1.30% 1.26% 0.92% 1.32% 1.47%
ROA 0.65% 0.70% 0.90% 0.89% 1.07% 1.09% 1.52% 0.83%
$500M-$1B In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 31 56 59 16 6 3 5 176
Yield 5.45% 5.38% 5.17% 5.48% 5.09% 5.09% 5.38% 5.32%
PLL 0.38% 0.33% 0.19% 0.30% 0.34% 0.21% 0.16% 0.28%
COF 2.41% 2.47% 2.26% 2.17% 1.98% 2.29% 2.27% 2.34%
Oper. Exp. 3.66% 3.12% 3.00% 3.39% 3.31% 2.47% 2.03% 3.16%
Other Income 1.55% 1.21% 1.21% 1.48% 1.27% 0.46% 0.58% 1.27%
ROA 0.55% 0.66% 0.93% 1.10% 0.72% 0.58% 1.51% 0.80%
Greater Than $1B In Assets
LT9% 9%–11% 11%-13% 13%–15%15%–17% 17%--19% +19% Total/Avg.
Count 22 48 32 9 4 1 0 116
Yield 5.35% 5.23% 5.24% 4.94% 5.04% 4.59% 5.22%
PLL 0.44% 0.29% 0.29% 0.18% 0.16% 0.12% 0.30%
COF 2.58% 2.57% 2.37% 2.73% 2.45% 2.35% 2.52%
Oper. Exp. 3.20% 2.78% 2.81% 2.18% 2.15% 2.34% 2.80%
Other Income 1.67% 1.18% 1.19% 0.84% 0.79% 1.47% 1.24%
ROA 0.80% 0.76% 0.96% 0.69% 1.07% 1.26% 0.83%
SOURCE: Fred Ringenburg
