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Neighborhood National Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4313%3,224
Cost of funding earning assets1.3116%2,482
Net interest margin3.1196%3,053
Noninterest income to average assets0.3300%2,919
Noninterest expense to average assets2.2463%2,989
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets1.0887%1,954
Return on assets (ROA)1.0495%2,038
Pretax return on assets1.0495%2,536
Return on Equity (ROE)27.5700%231
Retained earnings to average equity (ytd only)18.1913%184
Net charge-offs to loans0.0011%2,829
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)1,677.0000%99
Efficiency ratio66.5272%2,282
Assets per employee ($millions)6.6289%2,320
Cash dividends to net income (ytd only)*34.0241%2,390
Condition Ratios (%)
Loss allowance to loans1.1279%2,678
Loan loss allowance to noncurrent loans2,019.4175%524
Noncurrent assets plus other real estate owned to assets0.0338%3,412
Noncurrent loans to loans0.0559%3,322
Net loans and leases to total assets59.7900%2,860
Net loans and leases to deposits70.4661%2,853
Net loans and leases to core deposits74.0305%3,074
Total domestic deposits to total assets84.8500%2,354
Equity capital to assets4.9598%4,421
Core capital (leverage) ratio10.2808%2,529
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7161%1,342
Memoranda:
Average total assets$308,064,0002,390
Average earning assets$296,574,6002,325
Average equity$11,725,4003,551
Average total loans$182,018,8002,429
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3501%3,196
Cost of funding earning assets1.2086%2,404
Net interest margin3.1415%3,049
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets2.2885%2,829
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.0641%2,173
Return on assets (ROA)1.0119%2,318
Pretax return on assets1.0119%2,820
Return on Equity (ROE)28.7400%252
Retained earnings to average equity (ytd only)24.4452%143
Net charge-offs to loans0.0015%2,549
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)1,232.5000%128
Efficiency ratio67.4350%2,082
Assets per employee ($millions)7.0413%1,931
Cash dividends to net income (ytd only)*14.9317%2,647
Condition Ratios (%)
Loss allowance to loans1.1343%2,708
Loan loss allowance to noncurrent loans2,566.6667%426
Noncurrent assets plus other real estate owned to assets0.0268%3,538
Noncurrent loans to loans0.0442%3,441
Net loans and leases to total assets59.8500%2,862
Net loans and leases to deposits68.1647%2,971
Net loans and leases to core deposits70.9448%3,165
Total domestic deposits to total assets87.8000%1,644
Equity capital to assets2.9490%4,497
Core capital (leverage) ratio10.0552%2,767
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3992%1,448
Memoranda:
Average total assets$308,847,2502,387
Average earning assets$297,642,5002,323
Average equity$10,875,7503,629
Average total loans$181,421,2502,433
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2209%3,254
Cost of funding earning assets1.0456%2,464
Net interest margin3.1753%3,049
Noninterest income to average assets0.3100%3,022
Noninterest expense to average assets2.2479%2,956
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.1284%2,039
Return on assets (ROA)1.0506%2,257
Pretax return on assets1.0506%2,773
Return on Equity (ROE)28.3400%255
Retained earnings to average equity (ytd only)22.2653%178
Net charge-offs to loans0.0077%1,936
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)250.5714%508
Efficiency ratio65.7774%2,270
Assets per employee ($millions)6.4761%2,309
Cash dividends to net income (ytd only)*21.4329%2,401
Condition Ratios (%)
Loss allowance to loans1.1319%2,789
Loan loss allowance to noncurrent loans10,915.7895%133
Noncurrent assets plus other real estate owned to assets0.0061%3,799
Noncurrent loans to loans0.0104%3,709
Net loans and leases to total assets58.2700%2,938
Net loans and leases to deposits67.2907%2,966
Net loans and leases to core deposits70.8916%3,071
Total domestic deposits to total assets86.6000%2,057
Equity capital to assets3.7336%4,528
Core capital (leverage) ratio9.9373%2,815
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0375%1,568
Memoranda:
Average total assets$310,870,6672,376
Average earning assets$299,936,6672,314
Average equity$11,524,6673,588
Average total loans$180,800,3332,433
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1269%3,195
Cost of funding earning assets0.9094%2,342
Net interest margin3.2176%3,071
Noninterest income to average assets0.2500%3,431
Noninterest expense to average assets2.2169%3,053
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.1413%2,095
Return on assets (ROA)1.0718%2,287
Pretax return on assets1.0718%2,793
Return on Equity (ROE)29.0100%255
Retained earnings to average equity (ytd only)29.0143%122
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio65.2107%2,298
Assets per employee ($millions)6.3742%2,430
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1633%2,748
Loan loss allowance to noncurrent loans10,952.6316%155
Noncurrent assets plus other real estate owned to assets0.0062%3,823
Noncurrent loans to loans0.0106%3,747
Net loans and leases to total assets57.7900%2,890
Net loans and leases to deposits64.8752%3,023
Net loans and leases to core deposits68.4930%3,056
Total domestic deposits to total assets89.0700%1,520
Equity capital to assets4.2090%4,527
Core capital (leverage) ratio9.7032%2,995
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0797%1,355
Memoranda:
Average total assets$310,879,0002,405
Average earning assets$299,979,5002,342
Average equity$11,484,0003,622
Average total loans$179,588,5002,456
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7545%2,395
Cost of funding earning assets0.4874%1,487
Net interest margin3.2672%2,657
Noninterest income to average assets0.3700%2,879
Noninterest expense to average assets2.3989%2,426
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.1110%2,120
Return on assets (ROA)1.1110%2,055
Pretax return on assets1.1110%2,731
Return on Equity (ROE)22.6800%294
Retained earnings to average equity (ytd only)11.5882%762
Net charge-offs to loans-0.1667%4,607
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio67.5425%2,019
Assets per employee ($millions)6.3159%2,497
Cash dividends to net income (ytd only)*48.9101%1,454
Condition Ratios (%)
Loss allowance to loans1.1542%2,622
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets56.4300%2,983
Net loans and leases to deposits62.4796%3,160
Net loans and leases to core deposits68.7852%2,957
Total domestic deposits to total assets90.3200%1,232
Equity capital to assets3.1951%4,595
Core capital (leverage) ratio9.4967%3,146
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3778%1,822
Memoranda:
Average total assets$301,432,8002,444
Average earning assets$290,128,0002,384
Average equity$14,765,0003,384
Average total loans$167,321,4002,482
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6431%2,212
Cost of funding earning assets0.4214%1,148
Net interest margin3.2216%2,561
Noninterest income to average assets0.3900%2,797
Noninterest expense to average assets2.4294%2,228
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.0578%2,261
Return on assets (ROA)1.0578%2,225
Pretax return on assets1.0578%2,850
Return on Equity (ROE)19.7700%455
Retained earnings to average equity (ytd only)12.6521%670
Net charge-offs to loans-0.1828%4,621
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio68.8447%1,907
Assets per employee ($millions)5.9101%2,838
Cash dividends to net income (ytd only)*36.0135%1,761
Condition Ratios (%)
Loss allowance to loans1.1673%2,708
Loan loss allowance to noncurrent loans1,967.9612%574
Noncurrent assets plus other real estate owned to assets0.0342%3,571
Noncurrent loans to loans0.0593%3,456
Net loans and leases to total assets56.9400%2,808
Net loans and leases to deposits60.3276%3,169
Net loans and leases to core deposits64.9225%3,038
Total domestic deposits to total assets94.3900%307
Equity capital to assets2.4697%4,634
Core capital (leverage) ratio9.6079%2,949
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6083%1,842
Memoranda:
Average total assets$297,842,0002,482
Average earning assets$286,306,5002,426
Average equity$15,933,7503,324
Average total loans$164,079,0002,506
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5062%2,126
Cost of funding earning assets0.3786%1,054
Net interest margin3.1276%2,447
Noninterest income to average assets0.4119%2,677
Noninterest expense to average assets2.4453%2,094
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.9688%2,272
Return on assets (ROA)0.9688%2,248
Pretax return on assets0.9688%2,835
Return on Equity (ROE)15.3168%833
Retained earnings to average equity (ytd only)6.2461%2,258
Net charge-offs to loans-0.2536%4,627
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7938%1,852
Assets per employee ($millions)5.8114%2,911
Cash dividends to net income (ytd only)*59.2206%1,089
Condition Ratios (%)
Loss allowance to loans1.1967%2,693
Loan loss allowance to noncurrent loans8,358.3333%163
Noncurrent assets plus other real estate owned to assets0.0638%3,343
Noncurrent loans to loans0.0143%3,860
Net loans and leases to total assets55.8833%2,773
Net loans and leases to deposits63.1684%2,791
Net loans and leases to core deposits65.3227%2,869
Total domestic deposits to total assets88.4672%2,397
Equity capital to assets3.9362%4,633
Core capital (leverage) ratio9.3970%3,014
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6322%1,823
Memoranda:
Average total assets$296,651,0002,499
Average earning assets$284,751,6672,461
Average equity$18,763,6673,164
Average total loans$160,886,6672,540
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3025%2,382
Cost of funding earning assets0.3648%1,095
Net interest margin2.9378%2,713
Noninterest income to average assets0.4057%2,647
Noninterest expense to average assets2.3842%2,225
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.8437%2,506
Return on assets (ROA)0.8437%2,499
Pretax return on assets0.8437%2,964
Return on Equity (ROE)11.2224%1,536
Retained earnings to average equity (ytd only)11.2224%738
Net charge-offs to loans-0.4546%4,704
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9854%1,858
Assets per employee ($millions)6.0878%2,726
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.2344%2,684
Loan loss allowance to noncurrent loans1,523.8462%659
Noncurrent assets plus other real estate owned to assets0.1010%3,104
Noncurrent loans to loans0.0810%3,434
Net loans and leases to total assets54.2434%2,726
Net loans and leases to deposits61.4718%2,762
Net loans and leases to core deposits62.8850%2,904
Total domestic deposits to total assets88.2412%2,416
Equity capital to assets6.2577%4,515
Core capital (leverage) ratio9.2938%3,013
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9784%1,800
Memoranda:
Average total assets$296,786,5002,510
Average earning assets$285,114,0002,480
Average equity$22,312,5002,956
Average total loans$157,513,5002,570
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6850%2,160
Cost of funding earning assets0.4359%1,280
Net interest margin3.2491%2,465
Noninterest income to average assets0.4698%2,729
Noninterest expense to average assets2.4695%2,280
Loan and lease loss provision to assets0.0971%1,281
Net operating income to assets1.0073%2,638
Return on assets (ROA)1.0014%2,730
Pretax return on assets1.0014%3,255
Return on Equity (ROE)10.6995%2,276
Retained earnings to average equity (ytd only)3.4455%3,435
Net charge-offs to loans0.2510%365
Credit loss provision to net charge-offs72.9167%1,995
Earnings coverage of net charge-offs (x)8.2943%2,307
Efficiency ratio68.2740%1,941
Assets per employee ($millions)6.4119%2,403
Cash dividends to net income (ytd only)*67.7978%804
Condition Ratios (%)
Loss allowance to loans1.1661%3,042
Loan loss allowance to noncurrent loans1,170.1299%783
Noncurrent assets plus other real estate owned to assets0.1059%3,191
Noncurrent loans to loans0.0997%3,431
Net loans and leases to total assets50.6827%3,201
Net loans and leases to deposits59.3311%3,140
Net loans and leases to core deposits60.6355%3,273
Total domestic deposits to total assets85.4236%3,120
Equity capital to assets8.7401%3,852
Core capital (leverage) ratio9.1361%3,240
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0769%1,821
Memoranda:
Average total assets$288,393,4002,492
Average earning assets$275,520,2002,454
Average equity$26,992,0002,724
Average total loans$153,015,2002,604
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7683%2,097
Cost of funding earning assets0.4499%1,350
Net interest margin3.3184%2,361
Noninterest income to average assets0.4956%2,640
Noninterest expense to average assets2.5258%2,050
Loan and lease loss provision to assets0.1238%945
Net operating income to assets1.0151%2,854
Return on assets (ROA)1.0072%2,946
Pretax return on assets1.0072%3,434
Return on Equity (ROE)10.5760%2,531
Retained earnings to average equity (ytd only)5.9459%2,842
Net charge-offs to loans0.3398%229
Credit loss provision to net charge-offs68.1234%1,769
Earnings coverage of net charge-offs (x)6.2622%2,187
Efficiency ratio68.1041%1,814
Assets per employee ($millions)6.2333%2,468
Cash dividends to net income (ytd only)*43.7790%1,453
Condition Ratios (%)
Loss allowance to loans1.1639%3,144
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0563%3,747
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets51.6521%3,230
Net loans and leases to deposits59.6622%3,261
Net loans and leases to core deposits60.9279%3,407
Total domestic deposits to total assets86.5742%2,521
Equity capital to assets9.3656%3,497
Core capital (leverage) ratio9.5023%3,018
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6546%1,734
Memoranda:
Average total assets$285,152,5002,527
Average earning assets$272,335,5002,494
Average equity$27,155,2502,742
Average total loans$152,634,5002,647
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7462%2,213
Cost of funding earning assets0.4610%1,441
Net interest margin3.2851%2,494
Noninterest income to average assets0.5160%2,555
Noninterest expense to average assets2.6112%1,825
Loan and lease loss provision to assets0.0849%1,443
Net operating income to assets0.9570%3,041
Return on assets (ROA)0.9450%3,159
Pretax return on assets0.9450%3,559
Return on Equity (ROE)9.8666%2,795
Retained earnings to average equity (ytd only)2.8972%3,866
Net charge-offs to loans0.3594%237
Credit loss provision to net charge-offs43.7956%1,639
Earnings coverage of net charge-offs (x)5.3723%1,999
Efficiency ratio70.6646%1,566
Assets per employee ($millions)5.8651%2,748
Cash dividends to net income (ytd only)*70.6367%673
Condition Ratios (%)
Loss allowance to loans1.1431%3,230
Loan loss allowance to noncurrent loans273.7500%2,032
Noncurrent assets plus other real estate owned to assets0.2940%2,450
Noncurrent loans to loans0.4176%2,431
Net loans and leases to total assets52.7233%3,278
Net loans and leases to deposits60.4956%3,349
Net loans and leases to core deposits61.7911%3,480
Total domestic deposits to total assets87.1523%2,237
Equity capital to assets9.3514%3,470
Core capital (leverage) ratio9.3617%3,062
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5052%1,803
Memoranda:
Average total assets$282,548,0002,544
Average earning assets$269,822,6672,506
Average equity$27,061,0002,731
Average total loans$152,477,6672,658
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7217%2,306
Cost of funding earning assets0.4749%1,560
Net interest margin3.2468%2,557
Noninterest income to average assets0.3955%3,111
Noninterest expense to average assets2.8030%1,361
Loan and lease loss provision to assets0.0857%1,528
Net operating income to assets0.6112%3,909
Return on assets (ROA)0.7397%3,670
Pretax return on assets0.7397%3,933
Return on Equity (ROE)7.6306%3,432
Retained earnings to average equity (ytd only)7.6306%2,367
Net charge-offs to loans-0.0132%3,793
Credit loss provision to net charge-offs-1,200.0000%3,404
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2330%876
Assets per employee ($millions)5.3623%3,265
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.2993%2,438
Loan loss allowance to noncurrent loans202.3614%2,361
Noncurrent assets plus other real estate owned to assets0.4729%1,972
Noncurrent loans to loans0.6421%1,963
Net loans and leases to total assets52.6823%3,380
Net loans and leases to deposits61.8386%3,328
Net loans and leases to core deposits62.8067%3,514
Total domestic deposits to total assets85.1932%3,030
Equity capital to assets9.2871%3,408
Core capital (leverage) ratio9.6176%2,915
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3221%1,468
Memoranda:
Average total assets$280,127,5002,542
Average earning assets$267,834,5002,502
Average equity$27,154,0002,718
Average total loans$152,080,0002,671
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3000%1,872
Cost of funding earning assets0.6012%2,297
Net interest margin3.6988%1,805
Noninterest income to average assets0.5435%2,450
Noninterest expense to average assets3.0540%1,317
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.0036%2,279
Return on assets (ROA)1.0919%2,074
Pretax return on assets1.0919%2,730
Return on Equity (ROE)9.6914%2,123
Retained earnings to average equity (ytd only)2.0762%3,796
Net charge-offs to loans-0.0237%4,469
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4135%1,394
Assets per employee ($millions)5.2086%3,140
Cash dividends to net income (ytd only)*78.5768%681
Condition Ratios (%)
Loss allowance to loans1.2501%2,686
Loan loss allowance to noncurrent loans463.7470%1,208
Noncurrent assets plus other real estate owned to assets0.2797%2,894
Noncurrent loans to loans0.2696%3,228
Net loans and leases to total assets54.5399%3,441
Net loans and leases to deposits64.3832%3,406
Net loans and leases to core deposits65.4219%3,592
Total domestic deposits to total assets84.7114%2,872
Equity capital to assets10.1118%3,018
Core capital (leverage) ratio9.7626%2,828
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1109%1,488
Memoranda:
Average total assets$245,805,8002,604
Average earning assets$233,536,6002,573
Average equity$27,694,6002,623
Average total loans$151,817,2002,651
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3592%1,955
Cost of funding earning assets0.6279%2,441
Net interest margin3.7313%1,833
Noninterest income to average assets0.5249%2,501
Noninterest expense to average assets2.9392%1,591
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.1243%1,900
Return on assets (ROA)1.1529%1,925
Pretax return on assets1.1529%2,558
Return on Equity (ROE)9.9371%2,042
Retained earnings to average equity (ytd only)4.8190%2,642
Net charge-offs to loans-0.0299%4,533
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4502%1,704
Assets per employee ($millions)4.8267%3,456
Cash dividends to net income (ytd only)*51.5049%1,419
Condition Ratios (%)
Loss allowance to loans1.2074%2,623
Loan loss allowance to noncurrent loans582.2630%933
Noncurrent assets plus other real estate owned to assets0.2344%3,268
Noncurrent loans to loans0.2074%3,553
Net loans and leases to total assets59.7719%3,251
Net loans and leases to deposits69.3352%3,365
Net loans and leases to core deposits70.4999%3,591
Total domestic deposits to total assets86.2072%1,981
Equity capital to assets10.9160%2,462
Core capital (leverage) ratio10.5587%2,215
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5107%1,130
Memoranda:
Average total assets$238,243,5002,643
Average earning assets$225,938,0002,608
Average equity$27,639,7502,610
Average total loans$151,655,0002,652
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5189%1,862
Cost of funding earning assets0.6570%2,647
Net interest margin3.8618%1,663
Noninterest income to average assets0.4645%2,741
Noninterest expense to average assets2.9821%1,624
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.1448%1,822
Return on assets (ROA)1.1882%1,806
Pretax return on assets1.1882%2,399
Return on Equity (ROE)10.0186%1,979
Retained earnings to average equity (ytd only)2.2653%3,654
Net charge-offs to loans-0.0414%4,630
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3776%1,776
Assets per employee ($millions)4.4553%3,842
Cash dividends to net income (ytd only)*77.3888%798
Condition Ratios (%)
Loss allowance to loans1.1959%2,539
Loan loss allowance to noncurrent loans241.8575%1,852
Noncurrent assets plus other real estate owned to assets0.5697%2,093
Noncurrent loans to loans0.4945%2,671
Net loans and leases to total assets64.0929%2,867
Net loans and leases to deposits73.7505%3,099
Net loans and leases to core deposits74.8732%3,381
Total domestic deposits to total assets86.9050%1,663
Equity capital to assets11.3732%2,058
Core capital (leverage) ratio10.7610%2,151
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3788%1,163
Memoranda:
Average total assets$230,776,6672,678
Average earning assets$218,860,0002,638
Average equity$27,369,0002,619
Average total loans$149,641,3332,658
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6361%1,892
Cost of funding earning assets0.6952%2,955
Net interest margin3.9409%1,550
Noninterest income to average assets0.4650%2,727
Noninterest expense to average assets3.0566%1,749
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.1393%1,721
Return on assets (ROA)1.1393%1,830
Pretax return on assets1.1393%2,397
Return on Equity (ROE)9.3956%1,957
Retained earnings to average equity (ytd only)9.3956%868
Net charge-offs to loans-0.0745%4,751
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9523%2,081
Assets per employee ($millions)4.1773%3,687
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.3032%2,138
Loan loss allowance to noncurrent loans161.0357%2,423
Noncurrent assets plus other real estate owned to assets0.7408%1,821
Noncurrent loans to loans0.8092%1,987
Net loans and leases to total assets63.6909%3,102
Net loans and leases to deposits74.9566%3,174
Net loans and leases to core deposits76.3406%3,472
Total domestic deposits to total assets84.9703%2,423
Equity capital to assets12.4487%1,764
Core capital (leverage) ratio11.7368%1,907
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6389%1,203
Memoranda:
Average total assets$223,644,5002,685
Average earning assets$211,729,0002,649
Average equity$27,119,0002,635
Average total loans$144,984,5002,680
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7872%2,082
Cost of funding earning assets0.6715%3,308
Net interest margin4.1157%1,498
Noninterest income to average assets0.5357%2,552
Noninterest expense to average assets3.1215%1,709
Loan and lease loss provision to assets-0.0452%5,010
Net operating income to assets1.3429%1,532
Return on assets (ROA)1.3578%1,559
Pretax return on assets1.3483%2,333
Return on Equity (ROE)11.7346%1,609
Retained earnings to average equity (ytd only)3.3863%3,320
Net charge-offs to loans0.0013%3,675
Credit loss provision to net charge-offs-5,000.0000%4,669
Earnings coverage of net charge-offs (x)1,423.5000%60
Efficiency ratio69.9159%2,181
Assets per employee ($millions)4.1833%3,652
Cash dividends to net income (ytd only)*71.1430%1,092
Condition Ratios (%)
Loss allowance to loans1.2950%1,947
Loan loss allowance to noncurrent loans137.8040%2,734
Noncurrent assets plus other real estate owned to assets0.8249%1,561
Noncurrent loans to loans0.9397%1,628
Net loans and leases to total assets64.2861%3,160
Net loans and leases to deposits74.8777%3,272
Net loans and leases to core deposits76.0519%3,572
Total domestic deposits to total assets85.8548%2,117
Equity capital to assets11.7976%2,282
Core capital (leverage) ratio11.4714%2,131
Tier 1 risk-based capital ratio16.1530%2,350
Total risk-based capital ratio17.3376%2,321
Memoranda:
Average total assets$221,016,2002,651
Average earning assets$208,033,6002,624
Average equity$25,574,0002,674
Average total loans$150,713,6002,612
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8140%2,076
Cost of funding earning assets0.6600%3,396
Net interest margin4.1539%1,491
Noninterest income to average assets0.5259%2,576
Noninterest expense to average assets3.1231%1,660
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.3252%1,752
Return on assets (ROA)1.3421%1,743
Pretax return on assets1.3294%2,567
Return on Equity (ROE)11.6561%1,733
Retained earnings to average equity (ytd only)6.1610%2,296
Net charge-offs to loans-0.0026%4,088
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5386%2,183
Assets per employee ($millions)4.1580%3,683
Cash dividends to net income (ytd only)*47.1435%1,819
Condition Ratios (%)
Loss allowance to loans1.3163%1,898
Loan loss allowance to noncurrent loans517.0157%956
Noncurrent assets plus other real estate owned to assets0.4213%2,826
Noncurrent loans to loans0.2546%3,628
Net loans and leases to total assets65.9431%3,055
Net loans and leases to deposits76.6930%3,230
Net loans and leases to core deposits78.3994%3,523
Total domestic deposits to total assets85.9832%2,007
Equity capital to assets11.8572%2,371
Core capital (leverage) ratio11.7468%2,043
Tier 1 risk-based capital ratio15.6725%2,571
Total risk-based capital ratio16.8728%2,530
Memoranda:
Average total assets$220,841,5002,675
Average earning assets$207,861,2502,648
Average equity$25,428,2502,697
Average total loans$152,291,5002,624
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8375%1,947
Cost of funding earning assets0.6507%3,405
Net interest margin4.1868%1,397
Noninterest income to average assets0.5191%2,573
Noninterest expense to average assets3.1692%1,572
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.3069%1,742
Return on assets (ROA)1.3323%1,714
Pretax return on assets1.3132%2,513
Return on Equity (ROE)11.6900%1,697
Retained earnings to average equity (ytd only)3.3160%3,568
Net charge-offs to loans0.0013%3,131
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)1,414.0000%45
Efficiency ratio70.2493%2,184
Assets per employee ($millions)3.9692%3,908
Cash dividends to net income (ytd only)*71.6336%1,051
Condition Ratios (%)
Loss allowance to loans1.2968%2,030
Loan loss allowance to noncurrent loans724.6324%744
Noncurrent assets plus other real estate owned to assets0.2826%3,426
Noncurrent loans to loans0.1790%3,915
Net loans and leases to total assets68.7178%2,723
Net loans and leases to deposits80.0639%2,943
Net loans and leases to core deposits81.8904%3,272
Total domestic deposits to total assets85.8286%2,123
Equity capital to assets11.7912%2,352
Core capital (leverage) ratio11.5283%2,137
Tier 1 risk-based capital ratio15.4971%2,629
Total risk-based capital ratio16.7185%2,559
Memoranda:
Average total assets$219,612,0002,696
Average earning assets$206,553,0002,671
Average equity$25,030,0002,718
Average total loans$153,043,0002,626
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7837%1,950
Cost of funding earning assets0.6287%3,415
Net interest margin4.1551%1,420
Noninterest income to average assets0.3959%3,207
Noninterest expense to average assets3.1017%1,729
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1949%2,076
Return on assets (ROA)1.1949%2,124
Pretax return on assets1.1949%2,828
Return on Equity (ROE)10.6669%2,093
Retained earnings to average equity (ytd only)10.6669%887
Net charge-offs to loans-0.0182%4,452
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3018%2,145
Assets per employee ($millions)3.9828%3,949
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2944%2,114
Loan loss allowance to noncurrent loans510.0515%1,029
Noncurrent assets plus other real estate owned to assets0.5378%2,490
Noncurrent loans to loans0.2538%3,652
Net loans and leases to total assets68.8926%2,640
Net loans and leases to deposits80.2958%2,806
Net loans and leases to core deposits82.1138%3,176
Total domestic deposits to total assets85.7985%2,363
Equity capital to assets11.5798%2,322
Core capital (leverage) ratio11.5857%2,069
Tier 1 risk-based capital ratio15.5392%2,633
Total risk-based capital ratio16.7581%2,567
Memoranda:
Average total assets$220,265,0002,720
Average earning assets$206,784,0002,701
Average equity$24,674,5002,746
Average total loans$153,571,5002,653
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7646%1,626
Cost of funding earning assets0.5116%3,276
Net interest margin4.2530%1,272
Noninterest income to average assets0.5244%2,691
Noninterest expense to average assets3.2920%1,341
Loan and lease loss provision to assets0.0272%3,633
Net operating income to assets1.2135%2,113
Return on assets (ROA)1.2076%2,127
Pretax return on assets1.2076%2,851
Return on Equity (ROE)11.2057%1,998
Retained earnings to average equity (ytd only)2.6562%4,076
Net charge-offs to loans-0.0644%5,042
Credit loss provision to net charge-offs-61.8557%4,349
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7774%1,937
Assets per employee ($millions)3.9549%3,957
Cash dividends to net income (ytd only)*76.2960%818
Condition Ratios (%)
Loss allowance to loans1.2784%2,153
Loan loss allowance to noncurrent loans682.3529%836
Noncurrent assets plus other real estate owned to assets0.4872%2,627
Noncurrent loans to loans0.1874%3,900
Net loans and leases to total assets68.7569%2,771
Net loans and leases to deposits78.3700%3,125
Net loans and leases to core deposits79.8528%3,440
Total domestic deposits to total assets87.7337%1,427
Equity capital to assets10.8287%2,866
Core capital (leverage) ratio10.9679%2,555
Tier 1 risk-based capital ratio14.8768%2,890
Total risk-based capital ratio16.0718%2,843
Memoranda:
Average total assets$220,443,4002,692
Average earning assets$207,759,4002,652
Average equity$23,755,8002,745
Average total loans$150,690,8002,632
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6954%1,690
Cost of funding earning assets0.4846%3,298
Net interest margin4.2108%1,329
Noninterest income to average assets0.5238%2,720
Noninterest expense to average assets3.1694%1,602
Loan and lease loss provision to assets0.0363%3,278
Net operating income to assets1.2904%1,899
Return on assets (ROA)1.2849%1,915
Pretax return on assets1.2849%2,679
Return on Equity (ROE)11.9383%1,807
Retained earnings to average equity (ytd only)6.7793%2,248
Net charge-offs to loans-0.0952%5,151
Credit loss provision to net charge-offs-56.0748%4,173
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6296%2,252
Assets per employee ($millions)4.1579%3,641
Cash dividends to net income (ytd only)*43.2141%1,898
Condition Ratios (%)
Loss allowance to loans1.2827%2,179
Loan loss allowance to noncurrent loans742.3221%769
Noncurrent assets plus other real estate owned to assets0.4440%2,907
Noncurrent loans to loans0.1728%4,114
Net loans and leases to total assets67.9351%2,952
Net loans and leases to deposits77.8296%3,251
Net loans and leases to core deposits79.1963%3,556
Total domestic deposits to total assets87.2870%1,604
Equity capital to assets10.6130%3,030
Core capital (leverage) ratio11.1317%2,475
Tier 1 risk-based capital ratio15.3501%2,720
Total risk-based capital ratio16.5622%2,659
Memoranda:
Average total assets$220,185,2502,707
Average earning assets$207,716,2502,670
Average equity$23,699,0002,769
Average total loans$149,800,5002,659
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5793%1,845
Cost of funding earning assets0.4614%3,277
Net interest margin4.1179%1,496
Noninterest income to average assets0.5157%2,770
Noninterest expense to average assets3.2212%1,484
Loan and lease loss provision to assets0.0549%2,806
Net operating income to assets1.1237%2,505
Return on assets (ROA)1.1237%2,508
Pretax return on assets1.1237%3,214
Return on Equity (ROE)10.3907%2,384
Retained earnings to average equity (ytd only)2.6378%4,199
Net charge-offs to loans-0.1997%5,325
Credit loss provision to net charge-offs-40.5405%3,997
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3400%1,948
Assets per employee ($millions)3.9836%3,923
Cash dividends to net income (ytd only)*74.6135%861
Condition Ratios (%)
Loss allowance to loans1.3611%1,892
Loan loss allowance to noncurrent loans214.9841%2,147
Noncurrent assets plus other real estate owned to assets0.6325%2,329
Noncurrent loans to loans0.6331%2,526
Net loans and leases to total assets65.7204%3,185
Net loans and leases to deposits74.4521%3,492
Net loans and leases to core deposits75.8460%3,754
Total domestic deposits to total assets88.2721%1,234
Equity capital to assets10.4190%3,190
Core capital (leverage) ratio10.9604%2,563
Tier 1 risk-based capital ratio14.8661%2,938
Total risk-based capital ratio16.1095%2,866
Memoranda:
Average total assets$218,738,3302,739
Average earning assets$206,319,3302,702
Average equity$23,655,6702,780
Average total loans$148,229,3302,687
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5665%1,673
Cost of funding earning assets0.4233%3,415
Net interest margin4.1432%1,325
Noninterest income to average assets0.5430%2,562
Noninterest expense to average assets3.0771%1,882
Loan and lease loss provision to assets0.0554%2,659
Net operating income to assets1.3151%1,595
Return on assets (ROA)1.3151%1,602
Pretax return on assets1.3151%2,307
Return on Equity (ROE)11.9353%1,600
Retained earnings to average equity (ytd only)11.9353%691
Net charge-offs to loans-0.3891%5,479
Credit loss provision to net charge-offs-20.8333%3,579
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3140%2,781
Assets per employee ($millions)3.5908%4,549
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3408%2,054
Loan loss allowance to noncurrent loans229.6767%2,017
Noncurrent assets plus other real estate owned to assets0.6201%2,453
Noncurrent loans to loans0.5838%2,790
Net loans and leases to total assets67.9302%2,776
Net loans and leases to deposits77.9608%3,018
Net loans and leases to core deposits79.3790%3,376
Total domestic deposits to total assets87.1338%2,071
Equity capital to assets11.0829%2,502
Core capital (leverage) ratio11.4328%2,064
Tier 1 risk-based capital ratio15.6124%2,625
Total risk-based capital ratio16.8624%2,571
Memoranda:
Average total assets$216,566,0002,784
Average earning assets$204,093,0002,749
Average equity$23,862,0002,787
Average total loans$148,027,0002,712
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4843%1,766
Cost of funding earning assets0.3594%3,620
Net interest margin4.1249%1,362
Noninterest income to average assets0.7839%1,634
Noninterest expense to average assets3.5452%964
Loan and lease loss provision to assets0.0928%2,347
Net operating income to assets0.9954%2,267
Return on assets (ROA)0.9973%2,291
Pretax return on assets0.9973%3,581
Return on Equity (ROE)8.8259%2,395
Retained earnings to average equity (ytd only)1.2972%4,506
Net charge-offs to loans0.0834%2,265
Credit loss provision to net charge-offs173.9130%1,557
Earnings coverage of net charge-offs (x)20.4000%1,965
Efficiency ratio75.6632%1,673
Assets per employee ($millions)3.5110%4,681
Cash dividends to net income (ytd only)*85.3023%656
Condition Ratios (%)
Loss allowance to loans1.2288%2,607
Loan loss allowance to noncurrent loans312.9310%1,615
Noncurrent assets plus other real estate owned to assets0.4892%2,927
Noncurrent loans to loans0.3927%3,352
Net loans and leases to total assets67.0218%2,964
Net loans and leases to deposits76.5507%3,275
Net loans and leases to core deposits77.9170%3,593
Total domestic deposits to total assets87.5521%1,729
Equity capital to assets10.9545%2,673
Core capital (leverage) ratio10.9416%2,391
Tier 1 risk-based capital ratio15.4305%2,649
Total risk-based capital ratio16.6006%2,617
Memoranda:
Average total assets$215,586,8002,762
Average earning assets$201,191,0002,757
Average equity$24,360,0002,726
Average total loans$137,866,4002,812
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4449%1,808
Cost of funding earning assets0.3445%3,727
Net interest margin4.1004%1,388
Noninterest income to average assets0.5896%2,537
Noninterest expense to average assets3.1265%1,732
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.2858%1,387
Return on assets (ROA)1.3180%1,313
Pretax return on assets1.3180%2,404
Return on Equity (ROE)11.5752%1,466
Retained earnings to average equity (ytd only)6.5825%1,922
Net charge-offs to loans0.1182%1,605
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)17.2829%2,108
Efficiency ratio69.9593%2,544
Assets per employee ($millions)3.4220%4,839
Cash dividends to net income (ytd only)*43.1327%2,120
Condition Ratios (%)
Loss allowance to loans1.1175%3,396
Loan loss allowance to noncurrent loans268.7813%1,737
Noncurrent assets plus other real estate owned to assets1.0137%1,672
Noncurrent loans to loans0.4157%3,458
Net loans and leases to total assets65.0521%3,240
Net loans and leases to deposits76.1828%3,354
Net loans and leases to core deposits77.1457%3,713
Total domestic deposits to total assets85.3894%2,563
Equity capital to assets11.5476%2,322
Core capital (leverage) ratio11.5670%1,974
Tier 1 risk-based capital ratio16.0995%2,457
Total risk-based capital ratio17.1441%2,482
Memoranda:
Average total assets$215,062,7502,791
Average earning assets$200,495,0002,790
Average equity$24,488,5002,731
Average total loans$135,405,5002,861
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4683%1,604
Cost of funding earning assets0.3273%3,829
Net interest margin4.1410%1,219
Noninterest income to average assets0.6007%2,451
Noninterest expense to average assets3.1860%1,612
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.2744%1,367
Return on assets (ROA)1.2959%1,329
Pretax return on assets1.2959%2,402
Return on Equity (ROE)11.4362%1,480
Retained earnings to average equity (ytd only)3.8644%3,394
Net charge-offs to loans0.1223%1,428
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)16.8148%1,961
Efficiency ratio70.5475%2,575
Assets per employee ($millions)3.4512%4,793
Cash dividends to net income (ytd only)*66.2094%1,270
Condition Ratios (%)
Loss allowance to loans1.1959%3,040
Loan loss allowance to noncurrent loans281.8803%1,658
Noncurrent assets plus other real estate owned to assets0.9829%1,784
Noncurrent loans to loans0.4243%3,499
Net loans and leases to total assets62.6595%3,556
Net loans and leases to deposits73.0550%3,641
Net loans and leases to core deposits73.8882%3,947
Total domestic deposits to total assets85.7703%2,489
Equity capital to assets11.3882%2,419
Core capital (leverage) ratio11.2577%2,171
Tier 1 risk-based capital ratio16.1676%2,438
Total risk-based capital ratio17.2760%2,434
Memoranda:
Average total assets$213,748,3302,816
Average earning assets$199,227,0002,812
Average equity$24,221,3302,757
Average total loans$132,514,6702,898
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6281%1,069
Cost of funding earning assets0.3098%3,941
Net interest margin4.3183%751
Noninterest income to average assets0.5625%2,592
Noninterest expense to average assets3.0975%1,873
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.4912%822
Return on assets (ROA)1.4912%851
Pretax return on assets1.4912%1,557
Return on Equity (ROE)13.1933%957
Retained earnings to average equity (ytd only)13.1933%360
Net charge-offs to loans-0.0401%5,079
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6392%3,388
Assets per employee ($millions)3.3983%4,928
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3355%2,356
Loan loss allowance to noncurrent loans242.0833%1,934
Noncurrent assets plus other real estate owned to assets0.9298%1,989
Noncurrent loans to loans0.5517%3,158
Net loans and leases to total assets61.1146%3,643
Net loans and leases to deposits70.1672%3,776
Net loans and leases to core deposits70.8814%4,082
Total domestic deposits to total assets87.0985%2,161
Equity capital to assets11.6523%2,077
Core capital (leverage) ratio11.6314%1,860
Tier 1 risk-based capital ratio16.9554%2,194
Total risk-based capital ratio18.1687%2,167
Memoranda:
Average total assets$211,909,5002,871
Average earning assets$197,575,5002,856
Average equity$23,951,5002,798
Average total loans$129,828,5002,960
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2184%2,427
Cost of funding earning assets0.3188%3,856
Net interest margin3.8996%1,971
Noninterest income to average assets0.4795%3,353
Noninterest expense to average assets3.2779%1,623
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6140%4,150
Return on assets (ROA)0.6700%4,024
Pretax return on assets0.9042%3,841
Return on Equity (ROE)5.9255%4,015
Retained earnings to average equity (ytd only)0.5302%5,117
Net charge-offs to loans-0.1910%5,729
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8682%1,571
Assets per employee ($millions)3.4375%4,845
Cash dividends to net income (ytd only)*91.0530%566
Condition Ratios (%)
Loss allowance to loans1.3395%2,341
Loan loss allowance to noncurrent loans604.8951%917
Noncurrent assets plus other real estate owned to assets1.2711%1,401
Noncurrent loans to loans0.2215%4,361
Net loans and leases to total assets59.7861%3,880
Net loans and leases to deposits69.5213%3,954
Net loans and leases to core deposits70.9668%4,154
Total domestic deposits to total assets85.9968%2,585
Equity capital to assets10.9571%2,661
Core capital (leverage) ratio11.0652%2,290
Tier 1 risk-based capital ratio16.4073%2,383
Total risk-based capital ratio17.6065%2,339
Memoranda:
Average total assets$216,878,8002,787
Average earning assets$201,712,2002,771
Average equity$24,521,0002,757
Average total loans$124,072,0003,009
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1903%2,546
Cost of funding earning assets0.3193%3,878
Net interest margin3.8710%2,083
Noninterest income to average assets0.4719%3,417
Noninterest expense to average assets3.1812%1,826
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6028%4,278
Return on assets (ROA)0.6531%4,190
Pretax return on assets0.9641%3,765
Return on Equity (ROE)5.7333%4,200
Retained earnings to average equity (ytd only)2.2138%4,589
Net charge-offs to loans-0.2530%5,810
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1764%1,810
Assets per employee ($millions)3.4543%4,834
Cash dividends to net income (ytd only)*61.3870%1,381
Condition Ratios (%)
Loss allowance to loans1.3897%2,248
Loan loss allowance to noncurrent loans420.9756%1,216
Noncurrent assets plus other real estate owned to assets1.3611%1,379
Noncurrent loans to loans0.3301%4,077
Net loans and leases to total assets56.2769%4,277
Net loans and leases to deposits64.1101%4,480
Net loans and leases to core deposits65.4741%4,644
Total domestic deposits to total assets87.7817%1,511
Equity capital to assets11.7556%2,297
Core capital (leverage) ratio11.1834%2,282
Tier 1 risk-based capital ratio17.1842%2,173
Total risk-based capital ratio18.4232%2,132
Memoranda:
Average total assets$217,817,7502,786
Average earning assets$202,528,2502,774
Average equity$24,813,2502,759
Average total loans$122,803,0003,028
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2342%2,387
Cost of funding earning assets0.3261%3,838
Net interest margin3.9081%1,954
Noninterest income to average assets0.4498%3,523
Noninterest expense to average assets3.2183%1,768
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4168%4,986
Return on assets (ROA)0.4544%4,941
Pretax return on assets0.9207%3,874
Return on Equity (ROE)4.0315%4,901
Retained earnings to average equity (ytd only)-1.3031%5,474
Net charge-offs to loans-0.0638%5,459
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9303%1,805
Assets per employee ($millions)3.5768%4,638
Cash dividends to net income (ytd only)*132.3232%273
Condition Ratios (%)
Loss allowance to loans1.2589%3,020
Loan loss allowance to noncurrent loans333.7691%1,490
Noncurrent assets plus other real estate owned to assets1.4608%1,325
Noncurrent loans to loans0.3772%4,012
Net loans and leases to total assets55.9898%4,312
Net loans and leases to deposits64.9812%4,424
Net loans and leases to core deposits66.4084%4,578
Total domestic deposits to total assets86.1631%2,348
Equity capital to assets11.6273%2,421
Core capital (leverage) ratio10.8233%2,622
Tier 1 risk-based capital ratio16.9283%2,240
Total risk-based capital ratio18.0388%2,266
Memoranda:
Average total assets$217,882,3302,792
Average earning assets$202,400,6702,786
Average equity$24,556,6702,784
Average total loans$122,338,0003,044
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2096%2,435
Cost of funding earning assets0.3243%3,905
Net interest margin3.8854%1,979
Noninterest income to average assets0.3444%4,265
Noninterest expense to average assets3.0412%2,268
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets-0.1616%5,868
Return on assets (ROA)-0.1476%5,883
Pretax return on assets0.9275%3,742
Return on Equity (ROE)-1.3301%5,882
Retained earnings to average equity (ytd only)-1.3301%5,315
Net charge-offs to loans-0.0163%4,760
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0849%2,168
Assets per employee ($millions)3.5229%4,778
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2321%3,299
Loan loss allowance to noncurrent loans108.7872%3,448
Noncurrent assets plus other real estate owned to assets1.5901%1,255
Noncurrent loans to loans1.1326%2,134
Net loans and leases to total assets55.8787%4,270
Net loans and leases to deposits63.9608%4,444
Net loans and leases to core deposits65.4922%4,573
Total domestic deposits to total assets87.3640%2,021
Equity capital to assets11.5001%2,440
Core capital (leverage) ratio10.7146%2,708
Tier 1 risk-based capital ratio16.9156%2,319
Total risk-based capital ratio17.9976%2,323
Memoranda:
Average total assets$219,520,0002,783
Average earning assets$203,532,5002,782
Average equity$24,358,5002,801
Average total loans$122,662,0003,046
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0801%2,998
Cost of funding earning assets0.3370%3,826
Net interest margin3.7431%2,587
Noninterest income to average assets0.3654%4,292
Noninterest expense to average assets3.2841%1,751
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.3953%5,068
Return on assets (ROA)0.4314%5,025
Pretax return on assets0.5937%4,858
Return on Equity (ROE)3.8908%4,992
Retained earnings to average equity (ytd only)1.1825%5,038
Net charge-offs to loans0.0290%3,642
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)34.9118%1,300
Efficiency ratio84.5509%1,131
Assets per employee ($millions)3.6745%4,521
Cash dividends to net income (ytd only)*69.6068%1,273
Condition Ratios (%)
Loss allowance to loans1.2065%3,443
Loan loss allowance to noncurrent loans117.2820%3,317
Noncurrent assets plus other real estate owned to assets1.5936%1,242
Noncurrent loans to loans1.0287%2,275
Net loans and leases to total assets54.5417%4,446
Net loans and leases to deposits61.6997%4,657
Net loans and leases to core deposits62.8366%4,808
Total domestic deposits to total assets88.3986%1,425
Equity capital to assets10.7091%3,121
Core capital (leverage) ratio10.7140%2,695
Tier 1 risk-based capital ratio16.7865%2,365
Total risk-based capital ratio17.8474%2,386
Memoranda:
Average total assets$218,113,4002,765
Average earning assets$201,785,4002,762
Average equity$24,185,4002,767
Average total loans$117,072,0003,092
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0608%3,099
Cost of funding earning assets0.3438%3,824
Net interest margin3.7170%2,685
Noninterest income to average assets0.3127%4,711
Noninterest expense to average assets3.2310%1,883
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.3862%5,209
Return on assets (ROA)0.4001%5,258
Pretax return on assets0.5485%5,101
Return on Equity (ROE)3.5767%5,195
Retained earnings to average equity (ytd only)1.4142%5,155
Net charge-offs to loans0.0832%2,355
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)11.9442%2,446
Efficiency ratio84.1545%1,153
Assets per employee ($millions)3.5868%4,632
Cash dividends to net income (ytd only)*60.4615%1,395
Condition Ratios (%)
Loss allowance to loans1.2092%3,595
Loan loss allowance to noncurrent loans106.9067%3,535
Noncurrent assets plus other real estate owned to assets1.7044%1,267
Noncurrent loans to loans1.1311%2,246
Net loans and leases to total assets54.3320%4,531
Net loans and leases to deposits61.9710%4,723
Net loans and leases to core deposits63.1499%4,859
Total domestic deposits to total assets87.6732%1,713
Equity capital to assets11.1096%2,894
Core capital (leverage) ratio10.9571%2,534
Tier 1 risk-based capital ratio17.1049%2,333
Total risk-based capital ratio18.1640%2,359
Memoranda:
Average total assets$216,605,2502,798
Average earning assets$200,907,0002,791
Average equity$24,230,7502,783
Average total loans$115,403,5003,140
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0122%3,235
Cost of funding earning assets0.3556%3,747
Net interest margin3.6566%2,887
Noninterest income to average assets0.4447%3,744
Noninterest expense to average assets3.2120%1,950
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.4816%4,843
Return on assets (ROA)0.5040%4,860
Pretax return on assets0.6430%4,847
Return on Equity (ROE)4.4949%4,820
Retained earnings to average equity (ytd only)1.2477%5,056
Net charge-offs to loans0.0615%2,500
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)18.9429%1,779
Efficiency ratio82.2034%1,466
Assets per employee ($millions)3.4042%4,970
Cash dividends to net income (ytd only)*72.2426%1,131
Condition Ratios (%)
Loss allowance to loans1.2820%3,339
Loan loss allowance to noncurrent loans70.7109%4,465
Noncurrent assets plus other real estate owned to assets2.2162%936
Noncurrent loans to loans1.8130%1,408
Net loans and leases to total assets53.5709%4,605
Net loans and leases to deposits61.1870%4,757
Net loans and leases to core deposits62.4586%4,907
Total domestic deposits to total assets87.5529%1,878
Equity capital to assets11.1644%2,706
Core capital (leverage) ratio10.8713%2,543
Tier 1 risk-based capital ratio17.4676%2,232
Total risk-based capital ratio18.5824%2,236
Memoranda:
Average total assets$215,876,3302,826
Average earning assets$199,640,3302,824
Average equity$24,205,3302,787
Average total loans$113,761,6703,185
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8622%3,776
Cost of funding earning assets0.3437%3,944
Net interest margin3.5186%3,350
Noninterest income to average assets0.2658%5,052
Noninterest expense to average assets3.0155%2,536
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3604%5,220
Return on assets (ROA)0.3697%5,309
Pretax return on assets0.4784%5,234
Return on Equity (ROE)3.3011%5,250
Retained earnings to average equity (ytd only)3.3011%4,000
Net charge-offs to loans0.0615%2,131
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)16.0833%1,592
Efficiency ratio85.1492%1,256
Assets per employee ($millions)3.3339%5,188
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9791%1,122
Loan loss allowance to noncurrent loans77.0992%4,244
Noncurrent assets plus other real estate owned to assets3.3086%526
Noncurrent loans to loans2.5669%938
Net loans and leases to total assets45.9321%5,207
Net loans and leases to deposits52.9575%5,269
Net loans and leases to core deposits53.6140%5,388
Total domestic deposits to total assets86.7338%2,532
Equity capital to assets11.4922%2,466
Core capital (leverage) ratio10.8434%2,580
Tier 1 risk-based capital ratio19.1982%1,816
Total risk-based capital ratio20.4527%1,774
Memoranda:
Average total assets$165,542,5003,432
Average earning assets$151,311,5003,444
Average equity$18,539,5003,377
Average total loans$78,040,0003,959
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2962%2,620
Cost of funding earning assets0.4142%3,550
Net interest margin3.8820%2,308
Noninterest income to average assets0.4941%3,556
Noninterest expense to average assets3.2280%2,134
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.5457%4,612
Return on assets (ROA)0.5650%4,621
Pretax return on assets0.8065%4,234
Return on Equity (ROE)4.9489%4,687
Retained earnings to average equity (ytd only)1.6496%4,988
Net charge-offs to loans-0.1413%6,195
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2614%2,028
Assets per employee ($millions)3.4229%5,010
Cash dividends to net income (ytd only)*66.6667%1,431
Condition Ratios (%)
Loss allowance to loans1.9201%1,270
Loan loss allowance to noncurrent loans84.6452%4,114
Noncurrent assets plus other real estate owned to assets2.7945%770
Noncurrent loans to loans2.2684%1,152
Net loans and leases to total assets46.5067%5,285
Net loans and leases to deposits53.1273%5,403
Net loans and leases to core deposits53.9851%5,501
Total domestic deposits to total assets87.5383%2,012
Equity capital to assets10.9139%2,991
Core capital (leverage) ratio10.2446%3,254
Tier 1 risk-based capital ratio18.1921%2,085
Total risk-based capital ratio19.4465%2,040
Memoranda:
Average total assets$163,539,0003,432
Average earning assets$147,992,6003,476
Average equity$18,670,8003,332
Average total loans$80,700,8003,857
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3731%2,332
Cost of funding earning assets0.4220%3,554
Net interest margin3.9511%2,033
Noninterest income to average assets0.3840%4,363
Noninterest expense to average assets3.1000%2,468
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.5891%4,486
Return on assets (ROA)0.6146%4,469
Pretax return on assets0.8853%4,057
Return on Equity (ROE)5.3226%4,566
Retained earnings to average equity (ytd only)2.8922%4,540
Net charge-offs to loans-0.0971%6,130
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2028%2,321
Assets per employee ($millions)3.4426%4,970
Cash dividends to net income (ytd only)*45.6611%2,064
Condition Ratios (%)
Loss allowance to loans1.8572%1,557
Loan loss allowance to noncurrent loans117.2908%3,282
Noncurrent assets plus other real estate owned to assets2.4056%1,119
Noncurrent loans to loans1.5834%2,057
Net loans and leases to total assets46.1139%5,366
Net loans and leases to deposits53.5475%5,420
Net loans and leases to core deposits54.6187%5,527
Total domestic deposits to total assets86.1176%2,793
Equity capital to assets11.3623%2,617
Core capital (leverage) ratio11.2235%2,289
Tier 1 risk-based capital ratio19.2754%1,829
Total risk-based capital ratio20.5295%1,803
Memoranda:
Average total assets$162,493,2503,485
Average earning assets$146,588,7503,527
Average equity$18,762,2503,333
Average total loans$80,993,7503,879
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4106%2,143
Cost of funding earning assets0.4354%3,490
Net interest margin3.9753%1,886
Noninterest income to average assets0.5311%3,259
Noninterest expense to average assets3.0456%2,669
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.7305%3,675
Return on assets (ROA)0.7305%3,770
Pretax return on assets1.0484%3,288
Return on Equity (ROE)6.2918%4,002
Retained earnings to average equity (ytd only)2.6198%4,533
Net charge-offs to loans-0.1888%6,329
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1121%3,138
Assets per employee ($millions)3.1719%5,469
Cash dividends to net income (ytd only)*58.3618%1,584
Condition Ratios (%)
Loss allowance to loans1.8782%1,630
Loan loss allowance to noncurrent loans78.0105%4,261
Noncurrent assets plus other real estate owned to assets3.1682%791
Noncurrent loans to loans2.4076%1,311
Net loans and leases to total assets48.1195%5,163
Net loans and leases to deposits55.3753%5,247
Net loans and leases to core deposits56.6817%5,366
Total domestic deposits to total assets86.8971%2,516
Equity capital to assets11.7583%2,197
Core capital (leverage) ratio11.1960%2,248
Tier 1 risk-based capital ratio19.1860%1,878
Total risk-based capital ratio20.4405%1,838
Memoranda:
Average total assets$160,428,0003,531
Average earning assets$143,789,0003,599
Average equity$18,627,3303,340
Average total loans$81,571,3303,862
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3023%2,508
Cost of funding earning assets0.4414%3,523
Net interest margin3.8609%2,225
Noninterest income to average assets0.3956%4,222
Noninterest expense to average assets3.0671%2,636
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6134%4,137
Return on assets (ROA)0.6134%4,211
Pretax return on assets0.7887%4,151
Return on Equity (ROE)5.3173%4,379
Retained earnings to average equity (ytd only)5.3173%2,909
Net charge-offs to loans-0.1306%6,236
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.1818%2,447
Assets per employee ($millions)3.1178%5,656
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7336%2,235
Loan loss allowance to noncurrent loans66.3900%4,623
Noncurrent assets plus other real estate owned to assets3.9357%615
Noncurrent loans to loans2.6112%1,316
Net loans and leases to total assets51.3342%4,746
Net loans and leases to deposits58.7205%4,871
Net loans and leases to core deposits60.2341%5,017
Total domestic deposits to total assets87.4213%2,552
Equity capital to assets11.7856%2,024
Core capital (leverage) ratio11.4581%1,998
Tier 1 risk-based capital ratio18.8052%2,029
Total risk-based capital ratio20.0581%1,984
Memoranda:
Average total assets$159,759,0003,564
Average earning assets$143,178,5003,632
Average equity$18,430,5003,363
Average total loans$82,691,5003,870
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5342%2,079
Cost of funding earning assets0.5256%3,338
Net interest margin4.0086%1,924
Noninterest income to average assets0.3667%4,689
Noninterest expense to average assets3.4481%1,771
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.3795%5,222
Return on assets (ROA)0.4258%5,167
Pretax return on assets0.5579%5,018
Return on Equity (ROE)3.5935%5,284
Retained earnings to average equity (ytd only)1.1200%5,327
Net charge-offs to loans0.4977%1,328
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)1.9899%4,383
Efficiency ratio86.0491%1,411
Assets per employee ($millions)3.2102%5,471
Cash dividends to net income (ytd only)*68.8331%1,361
Condition Ratios (%)
Loss allowance to loans1.7165%2,348
Loan loss allowance to noncurrent loans58.8750%4,908
Noncurrent assets plus other real estate owned to assets4.2707%601
Noncurrent loans to loans2.9155%1,200
Net loans and leases to total assets50.4046%5,038
Net loans and leases to deposits57.3921%5,176
Net loans and leases to core deposits58.8456%5,319
Total domestic deposits to total assets87.8251%2,290
Equity capital to assets11.2896%2,351
Core capital (leverage) ratio11.0888%2,307
Tier 1 risk-based capital ratio18.4879%2,085
Total risk-based capital ratio19.7402%2,054
Memoranda:
Average total assets$158,986,2003,578
Average earning assets$141,921,6003,635
Average equity$18,839,8003,296
Average total loans$79,763,2003,943
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5386%2,085
Cost of funding earning assets0.5368%3,393
Net interest margin4.0017%1,941
Noninterest income to average assets0.4044%4,500
Noninterest expense to average assets3.3163%2,034
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.4582%4,989
Return on assets (ROA)0.5145%4,890
Pretax return on assets0.7414%4,525
Return on Equity (ROE)4.2902%5,077
Retained earnings to average equity (ytd only)2.6569%4,730
Net charge-offs to loans0.4364%1,471
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)3.0309%3,829
Efficiency ratio82.0507%1,818
Assets per employee ($millions)3.1655%5,565
Cash dividends to net income (ytd only)*38.0720%2,352
Condition Ratios (%)
Loss allowance to loans1.9200%1,941
Loan loss allowance to noncurrent loans53.6122%5,073
Noncurrent assets plus other real estate owned to assets5.0646%545
Noncurrent loans to loans3.5812%1,057
Net loans and leases to total assets50.0600%5,126
Net loans and leases to deposits57.2535%5,258
Net loans and leases to core deposits58.7452%5,387
Total domestic deposits to total assets87.4357%2,446
Equity capital to assets11.6728%2,150
Core capital (leverage) ratio11.4596%2,074
Tier 1 risk-based capital ratio18.7244%2,072
Total risk-based capital ratio19.9791%2,040
Memoranda:
Average total assets$158,605,0003,613
Average earning assets$141,568,2503,680
Average equity$19,019,5003,312
Average total loans$79,124,5004,000
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5032%2,190
Cost of funding earning assets0.5439%3,475
Net interest margin3.9593%2,010
Noninterest income to average assets0.3415%4,953
Noninterest expense to average assets3.3507%1,933
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3632%5,351
Return on assets (ROA)0.4335%5,246
Pretax return on assets0.6351%4,896
Return on Equity (ROE)3.5831%5,387
Retained earnings to average equity (ytd only)1.1562%5,440
Net charge-offs to loans0.2291%2,354
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)4.6889%3,066
Efficiency ratio84.9400%1,538
Assets per employee ($millions)3.2951%5,277
Cash dividends to net income (ytd only)*67.7326%1,274
Condition Ratios (%)
Loss allowance to loans2.1941%1,434
Loan loss allowance to noncurrent loans42.9035%5,497
Noncurrent assets plus other real estate owned to assets5.4158%545
Noncurrent loans to loans5.1140%616
Net loans and leases to total assets48.4763%5,287
Net loans and leases to deposits56.6262%5,281
Net loans and leases to core deposits58.1371%5,409
Total domestic deposits to total assets85.6075%3,576
Equity capital to assets11.5815%2,235
Core capital (leverage) ratio11.1283%2,229
Tier 1 risk-based capital ratio17.1238%2,672
Total risk-based capital ratio18.3793%2,641
Memoranda:
Average total assets$158,715,3303,637
Average earning assets$141,943,3303,694
Average equity$19,201,0003,302
Average total loans$78,571,6704,022
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5292%2,068
Cost of funding earning assets0.5521%3,554
Net interest margin3.9771%1,874
Noninterest income to average assets0.6415%2,924
Noninterest expense to average assets3.1373%2,552
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.6991%3,691
Return on assets (ROA)0.8353%3,123
Pretax return on assets1.2630%2,360
Return on Equity (ROE)6.7609%3,614
Retained earnings to average equity (ytd only)6.7609%2,272
Net charge-offs to loans0.2136%2,143
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)10.0000%1,783
Efficiency ratio73.5453%3,341
Assets per employee ($millions)3.3379%5,357
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.2507%1,482
Loan loss allowance to noncurrent loans41.7572%5,521
Noncurrent assets plus other real estate owned to assets5.6323%605
Noncurrent loans to loans5.3899%683
Net loans and leases to total assets48.9454%5,118
Net loans and leases to deposits56.5630%5,190
Net loans and leases to core deposits58.2971%5,318
Total domestic deposits to total assets86.5325%3,214
Equity capital to assets12.5611%1,676
Core capital (leverage) ratio11.3539%1,974
Tier 1 risk-based capital ratio17.8060%2,444
Total risk-based capital ratio19.0620%2,402
Memoranda:
Average total assets$158,990,0003,671
Average earning assets$142,012,0003,732
Average equity$19,642,5003,295
Average total loans$78,661,0004,049
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0232%1,497
Cost of funding earning assets0.7682%2,934
Net interest margin4.2550%1,509
Noninterest income to average assets0.5751%3,416
Noninterest expense to average assets3.3560%2,166
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.7262%3,614
Return on assets (ROA)0.7836%3,602
Pretax return on assets1.0632%3,300
Return on Equity (ROE)6.0528%4,142
Retained earnings to average equity (ytd only)-3.5247%6,312
Net charge-offs to loans0.3567%2,848
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)5.3854%3,055
Efficiency ratio76.0539%2,731
Assets per employee ($millions)3.4276%5,153
Cash dividends to net income (ytd only)*158.2320%193
Condition Ratios (%)
Loss allowance to loans2.2966%1,378
Loan loss allowance to noncurrent loans45.0336%5,374
Noncurrent assets plus other real estate owned to assets5.4488%685
Noncurrent loans to loans5.0998%772
Net loans and leases to total assets47.7712%5,434
Net loans and leases to deposits55.2386%5,525
Net loans and leases to core deposits56.8937%5,640
Total domestic deposits to total assets86.4816%3,106
Equity capital to assets12.1534%1,943
Core capital (leverage) ratio10.9971%2,254
Tier 1 risk-based capital ratio17.0572%2,625
Total risk-based capital ratio18.3139%2,586
Memoranda:
Average total assets$157,359,0003,663
Average earning assets$139,294,4003,737
Average equity$20,370,6003,156
Average total loans$80,735,2004,018
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1209%1,380
Cost of funding earning assets0.8131%2,840
Net interest margin4.3079%1,441
Noninterest income to average assets0.5464%3,630
Noninterest expense to average assets3.3012%2,274
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.7471%3,700
Return on assets (ROA)0.8097%3,645
Pretax return on assets1.1507%3,156
Return on Equity (ROE)6.1582%4,258
Retained earnings to average equity (ytd only)3.2281%4,595
Net charge-offs to loans0.4219%2,409
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)4.8443%3,190
Efficiency ratio74.4431%2,909
Assets per employee ($millions)3.3061%5,432
Cash dividends to net income (ytd only)*47.5786%1,805
Condition Ratios (%)
Loss allowance to loans2.2993%1,517
Loan loss allowance to noncurrent loans59.0311%4,697
Noncurrent assets plus other real estate owned to assets5.2296%830
Noncurrent loans to loans3.8950%1,329
Net loans and leases to total assets50.3173%5,278
Net loans and leases to deposits58.5843%5,368
Net loans and leases to core deposits60.4285%5,511
Total domestic deposits to total assets85.8887%3,313
Equity capital to assets13.4858%1,353
Core capital (leverage) ratio12.1503%1,561
Tier 1 risk-based capital ratio18.5919%2,135
Total risk-based capital ratio19.8493%2,099
Memoranda:
Average total assets$156,424,0003,712
Average earning assets$138,564,7503,780
Average equity$20,568,5003,164
Average total loans$81,227,0004,044
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2570%1,128
Cost of funding earning assets0.8591%2,735
Net interest margin4.3979%1,203
Noninterest income to average assets0.6774%2,790
Noninterest expense to average assets3.3820%2,076
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.7753%3,485
Return on assets (ROA)0.8624%3,343
Pretax return on assets1.3217%2,477
Return on Equity (ROE)6.6146%3,985
Retained earnings to average equity (ytd only)2.1918%5,097
Net charge-offs to loans0.4067%2,402
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)5.6084%2,797
Efficiency ratio72.8364%3,270
Assets per employee ($millions)3.3498%5,329
Cash dividends to net income (ytd only)*66.8639%1,165
Condition Ratios (%)
Loss allowance to loans2.3765%1,450
Loan loss allowance to noncurrent loans79.4650%3,814
Noncurrent assets plus other real estate owned to assets4.9885%957
Noncurrent loans to loans2.9906%1,980
Net loans and leases to total assets50.3827%5,306
Net loans and leases to deposits59.6822%5,267
Net loans and leases to core deposits61.2964%5,461
Total domestic deposits to total assets84.4183%4,131
Equity capital to assets13.0506%1,493
Core capital (leverage) ratio11.7606%1,748
Tier 1 risk-based capital ratio18.0350%2,279
Total risk-based capital ratio19.2930%2,248
Memoranda:
Average total assets$156,770,0003,726
Average earning assets$138,749,3303,804
Average equity$20,439,6703,172
Average total loans$81,627,3304,049
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0922%1,598
Cost of funding earning assets0.9322%2,423
Net interest margin4.1600%1,894
Noninterest income to average assets0.5804%3,349
Noninterest expense to average assets3.5133%1,735
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.5881%4,400
Return on assets (ROA)0.5881%4,618
Pretax return on assets0.7415%4,642
Return on Equity (ROE)4.5129%5,036
Retained earnings to average equity (ytd only)4.5129%3,875
Net charge-offs to loans0.3129%2,398
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)4.5313%2,557
Efficiency ratio81.3101%2,041
Assets per employee ($millions)3.3900%5,364
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.4929%1,368
Loan loss allowance to noncurrent loans51.7566%4,968
Noncurrent assets plus other real estate owned to assets6.4197%706
Noncurrent loans to loans4.8166%1,177
Net loans and leases to total assets50.9924%5,161
Net loans and leases to deposits58.8743%5,286
Net loans and leases to core deposits60.6115%5,475
Total domestic deposits to total assets86.6122%3,169
Equity capital to assets13.1434%1,381
Core capital (leverage) ratio11.8603%1,670
Tier 1 risk-based capital ratio18.0856%2,254
Total risk-based capital ratio19.3452%2,223
Memoranda:
Average total assets$156,434,5003,754
Average earning assets$138,172,5003,847
Average equity$20,386,0003,181
Average total loans$81,814,0004,069
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2198%1,985
Cost of funding earning assets1.1724%2,208
Net interest margin4.0473%2,646
Noninterest income to average assets0.3123%5,308
Noninterest expense to average assets3.1796%2,940
Loan and lease loss provision to assets0.2101%4,087
Net operating income to assets0.4132%4,802
Return on assets (ROA)0.4227%4,953
Pretax return on assets0.5262%4,915
Return on Equity (ROE)3.3613%5,134
Retained earnings to average equity (ytd only)1.0423%5,372
Net charge-offs to loans0.9450%1,841
Credit loss provision to net charge-offs40.3129%5,619
Earnings coverage of net charge-offs (x)1.3899%4,725
Efficiency ratio80.5462%2,230
Assets per employee ($millions)3.4115%5,216
Cash dividends to net income (ytd only)*68.9911%1,179
Condition Ratios (%)
Loss allowance to loans2.5549%1,242
Loan loss allowance to noncurrent loans47.1872%5,173
Noncurrent assets plus other real estate owned to assets6.6253%707
Noncurrent loans to loans5.4144%986
Net loans and leases to total assets50.9660%5,467
Net loans and leases to deposits58.6820%5,636
Net loans and leases to core deposits60.4800%5,799
Total domestic deposits to total assets86.8513%2,847
Equity capital to assets12.9206%1,531
Core capital (leverage) ratio11.5051%1,884
Tier 1 risk-based capital ratio17.7995%2,265
Total risk-based capital ratio19.0593%2,237
Memoranda:
Average total assets$159,453,6003,639
Average earning assets$141,500,2003,715
Average equity$20,051,8003,137
Average total loans$87,934,0003,910
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2535%2,013
Cost of funding earning assets1.2261%2,153
Net interest margin4.0274%2,792
Noninterest income to average assets0.5738%3,348
Noninterest expense to average assets3.4556%2,061
Loan and lease loss provision to assets0.1541%4,538
Net operating income to assets0.4304%4,854
Return on assets (ROA)0.4431%5,006
Pretax return on assets0.5555%4,950
Return on Equity (ROE)3.5474%5,204
Retained earnings to average equity (ytd only)3.5474%4,219
Net charge-offs to loans1.0216%1,570
Credit loss provision to net charge-offs27.0073%5,459
Earnings coverage of net charge-offs (x)1.2161%4,711
Efficiency ratio82.5773%1,890
Assets per employee ($millions)3.4562%5,108
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.5033%1,394
Loan loss allowance to noncurrent loans39.0996%5,674
Noncurrent assets plus other real estate owned to assets6.9271%717
Noncurrent loans to loans6.4023%835
Net loans and leases to total assets51.2737%5,544
Net loans and leases to deposits59.2300%5,725
Net loans and leases to core deposits61.2951%5,879
Total domestic deposits to total assets86.5672%2,899
Equity capital to assets13.0189%1,607
Core capital (leverage) ratio11.7504%1,856
Tier 1 risk-based capital ratio17.9096%2,286
Total risk-based capital ratio19.1690%2,248
Memoranda:
Average total assets$160,085,0003,651
Average earning assets$142,123,7503,730
Average equity$19,995,7503,141
Average total loans$89,398,2503,909
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3574%1,703
Cost of funding earning assets1.2850%2,037
Net interest margin4.0723%2,520
Noninterest income to average assets0.4874%3,960
Noninterest expense to average assets3.3244%2,482
Loan and lease loss provision to assets0.2306%3,605
Net operating income to assets0.4173%4,865
Return on assets (ROA)0.4350%4,933
Pretax return on assets0.5784%4,816
Return on Equity (ROE)3.5321%5,152
Retained earnings to average equity (ytd only)3.5321%3,999
Net charge-offs to loans0.3438%3,186
Credit loss provision to net charge-offs117.8344%2,606
Earnings coverage of net charge-offs (x)4.0127%2,992
Efficiency ratio80.4671%2,316
Assets per employee ($millions)3.5350%4,842
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.0186%883
Loan loss allowance to noncurrent loans37.7884%5,782
Noncurrent assets plus other real estate owned to assets7.2863%677
Noncurrent loans to loans7.9881%568
Net loans and leases to total assets54.1395%5,273
Net loans and leases to deposits62.5473%5,440
Net loans and leases to core deposits65.4857%5,566
Total domestic deposits to total assets86.5577%3,008
Equity capital to assets13.0488%1,497
Core capital (leverage) ratio11.5074%1,908
Tier 1 risk-based capital ratio17.6405%2,294
Total risk-based capital ratio18.9064%2,255
Memoranda:
Average total assets$160,452,0003,679
Average earning assets$142,718,6703,748
Average equity$19,761,6703,159
Average total loans$91,327,6703,911
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2905%1,892
Cost of funding earning assets1.3551%1,852
Net interest margin3.9354%2,977
Noninterest income to average assets0.3879%4,809
Noninterest expense to average assets3.1895%2,929
Loan and lease loss provision to assets0.4542%1,938
Net operating income to assets0.1154%6,052
Return on assets (ROA)0.1154%6,107
Pretax return on assets0.2382%5,839
Return on Equity (ROE)0.9644%6,144
Retained earnings to average equity (ytd only)0.9644%5,444
Net charge-offs to loans0.2223%3,199
Credit loss provision to net charge-offs355.7692%924
Earnings coverage of net charge-offs (x)5.4231%2,283
Efficiency ratio81.6572%2,276
Assets per employee ($millions)3.6523%4,648
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.9696%940
Loan loss allowance to noncurrent loans33.2520%6,084
Noncurrent assets plus other real estate owned to assets7.5675%658
Noncurrent loans to loans8.9306%506
Net loans and leases to total assets55.4265%5,090
Net loans and leases to deposits64.3024%5,216
Net loans and leases to core deposits67.8109%5,312
Total domestic deposits to total assets86.1967%3,401
Equity capital to assets12.1661%1,817
Core capital (leverage) ratio11.0662%2,138
Tier 1 risk-based capital ratio16.4619%2,678
Total risk-based capital ratio17.7272%2,646
Memoranda:
Average total assets$162,908,5003,655
Average earning assets$144,635,5003,738
Average equity$19,494,5003,189
Average total loans$93,577,0003,890
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7728%1,348
Cost of funding earning assets1.7039%1,584
Net interest margin4.0689%2,712
Noninterest income to average assets0.4188%4,752
Noninterest expense to average assets3.5563%2,043
Loan and lease loss provision to assets0.2136%5,120
Net operating income to assets0.4188%4,469
Return on assets (ROA)0.4636%4,422
Pretax return on assets0.3222%5,174
Return on Equity (ROE)4.1941%4,434
Retained earnings to average equity (ytd only)4.1941%2,908
Net charge-offs to loans-0.0081%7,299
Credit loss provision to net charge-offs-4,475.0000%7,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.6108%1,847
Assets per employee ($millions)3.7526%4,360
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.7193%1,143
Loan loss allowance to noncurrent loans37.8099%5,788
Noncurrent assets plus other real estate owned to assets6.5596%864
Noncurrent loans to loans7.1919%768
Net loans and leases to total assets56.1811%5,317
Net loans and leases to deposits65.8031%5,430
Net loans and leases to core deposits69.3973%5,503
Total domestic deposits to total assets85.3776%3,679
Equity capital to assets11.7723%2,060
Core capital (leverage) ratio10.8465%2,272
Tier 1 risk-based capital ratio15.5962%2,954
Total risk-based capital ratio16.8586%2,904
Memoranda:
Average total assets$167,617,0003,580
Average earning assets$149,477,0003,642
Average equity$18,526,2003,347
Average total loans$98,694,4003,837
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4859%2,489
Cost of funding earning assets1.7728%1,538
Net interest margin3.7132%4,340
Noninterest income to average assets0.4169%4,823
Noninterest expense to average assets3.6375%1,701
Loan and lease loss provision to assets1.2347%1,145
Net operating income to assets-1.0134%6,909
Return on assets (ROA)-0.9605%6,921
Pretax return on assets-1.0794%6,894
Return on Equity (ROE)-8.8312%6,873
Retained earnings to average equity (ytd only)-8.8312%6,817
Net charge-offs to loans1.3852%1,469
Credit loss provision to net charge-offs150.6770%2,584
Earnings coverage of net charge-offs (x)0.1170%5,905
Efficiency ratio93.9079%1,003
Assets per employee ($millions)3.6360%4,649
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.8569%949
Loan loss allowance to noncurrent loans44.8923%5,279
Noncurrent assets plus other real estate owned to assets6.2120%946
Noncurrent loans to loans6.3639%949
Net loans and leases to total assets57.1703%5,383
Net loans and leases to deposits66.4347%5,619
Net loans and leases to core deposits69.8987%5,760
Total domestic deposits to total assets86.0549%3,049
Equity capital to assets10.9895%2,972
Core capital (leverage) ratio9.6451%3,685
Tier 1 risk-based capital ratio14.0679%3,783
Total risk-based capital ratio15.3323%3,746
Memoranda:
Average total assets$168,242,2503,614
Average earning assets$150,271,0003,678
Average equity$18,298,2503,426
Average total loans$99,528,7503,873
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6326%2,013
Cost of funding earning assets1.8234%1,548
Net interest margin3.8092%3,856
Noninterest income to average assets0.4217%4,739
Noninterest expense to average assets3.6682%1,626
Loan and lease loss provision to assets1.5408%852
Net operating income to assets-1.1998%7,027
Return on assets (ROA)-1.1238%7,012
Pretax return on assets-1.3005%7,009
Return on Equity (ROE)-10.3673%6,980
Retained earnings to average equity (ytd only)-10.3673%6,931
Net charge-offs to loans0.3002%3,816
Credit loss provision to net charge-offs866.2252%433
Earnings coverage of net charge-offs (x)0.8543%4,916
Efficiency ratio92.5994%1,153
Assets per employee ($millions)3.7253%4,398
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.4336%583
Loan loss allowance to noncurrent loans39.0221%5,744
Noncurrent assets plus other real estate owned to assets6.9250%767
Noncurrent loans to loans8.7991%552
Net loans and leases to total assets56.7717%5,583
Net loans and leases to deposits66.7611%5,714
Net loans and leases to core deposits70.5234%5,825
Total domestic deposits to total assets85.0370%3,605
Equity capital to assets10.8471%3,030
Core capital (leverage) ratio9.6426%3,618
Tier 1 risk-based capital ratio14.0330%3,708
Total risk-based capital ratio15.3036%3,657
Memoranda:
Average total assets$169,783,0003,602
Average earning assets$151,474,3303,684
Average equity$18,404,0003,394
Average total loans$100,607,3303,875
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5426%2,395
Cost of funding earning assets1.8833%1,516
Net interest margin3.6593%4,442
Noninterest income to average assets0.4472%4,499
Noninterest expense to average assets3.6522%1,611
Loan and lease loss provision to assets2.5940%402
Net operating income to assets-2.1510%7,493
Return on assets (ROA)-2.0017%7,466
Pretax return on assets-2.3529%7,489
Return on Equity (ROE)-18.4725%7,405
Retained earnings to average equity (ytd only)-18.4725%7,326
Net charge-offs to loans0.3503%3,006
Credit loss provision to net charge-offs1,244.9438%398
Earnings coverage of net charge-offs (x)0.3146%4,762
Efficiency ratio94.7733%1,094
Assets per employee ($millions)3.7380%4,472
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.2493%669
Loan loss allowance to noncurrent loans33.7492%6,143
Noncurrent assets plus other real estate owned to assets7.2463%728
Noncurrent loans to loans9.6277%452
Net loans and leases to total assets57.4594%5,530
Net loans and leases to deposits66.2215%5,797
Net loans and leases to core deposits70.0217%5,914
Total domestic deposits to total assets86.7684%2,757
Equity capital to assets10.7627%2,986
Core capital (leverage) ratio9.6282%3,603
Tier 1 risk-based capital ratio13.8530%3,762
Total risk-based capital ratio15.1220%3,710
Memoranda:
Average total assets$170,854,5003,645
Average earning assets$152,707,0003,711
Average equity$18,514,0003,395
Average total loans$101,633,0003,899
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8411%2,481
Cost of funding earning assets2.2040%2,014
Net interest margin3.6371%4,398
Noninterest income to average assets0.3900%5,295
Noninterest expense to average assets3.1291%3,617
Loan and lease loss provision to assets2.1890%950
Net operating income to assets-0.7775%6,423
Return on assets (ROA)-0.7638%6,408
Pretax return on assets-1.6101%6,764
Return on Equity (ROE)-6.6814%6,361
Retained earnings to average equity (ytd only)-7.4725%6,287
Net charge-offs to loans2.8838%754
Credit loss provision to net charge-offs122.1472%4,336
Earnings coverage of net charge-offs (x)0.3112%5,807
Efficiency ratio81.4219%2,681
Assets per employee ($millions)3.8555%4,131
Cash dividends to net income (ytd only)*-11.8401%7,626
Condition Ratios (%)
Loss allowance to loans2.1545%1,724
Loan loss allowance to noncurrent loans28.5953%6,566
Noncurrent assets plus other real estate owned to assets6.1246%916
Noncurrent loans to loans7.5343%697
Net loans and leases to total assets58.2946%5,609
Net loans and leases to deposits67.8888%5,848
Net loans and leases to core deposits79.6604%6,132
Total domestic deposits to total assets85.8678%3,076
Equity capital to assets10.9073%2,770
Core capital (leverage) ratio9.8450%3,277
Tier 1 risk-based capital ratio13.9348%3,543
Total risk-based capital ratio15.1905%3,493
Memoranda:
Average total assets$173,595,2003,546
Average earning assets$157,351,8003,570
Average equity$19,846,2003,224
Average total loans$107,878,8003,742
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8944%2,473
Cost of funding earning assets2.2856%2,041
Net interest margin3.6089%4,446
Noninterest income to average assets0.3794%5,480
Noninterest expense to average assets2.8038%4,880
Loan and lease loss provision to assets1.5359%1,239
Net operating income to assets-0.7057%6,610
Return on assets (ROA)-0.6773%6,594
Pretax return on assets-0.6543%6,446
Return on Equity (ROE)-5.8574%6,540
Retained earnings to average equity (ytd only)-6.9000%6,498
Net charge-offs to loans1.3442%1,530
Credit loss provision to net charge-offs181.9836%2,509
Earnings coverage of net charge-offs (x)1.0109%5,039
Efficiency ratio73.1835%4,020
Assets per employee ($millions)3.7801%4,226
Cash dividends to net income (ytd only)*-17.8006%7,833
Condition Ratios (%)
Loss allowance to loans2.4105%1,160
Loan loss allowance to noncurrent loans30.5720%6,421
Noncurrent assets plus other real estate owned to assets6.9093%698
Noncurrent loans to loans7.8847%625
Net loans and leases to total assets60.1671%5,556
Net loans and leases to deposits70.8257%5,808
Net loans and leases to core deposits82.8438%6,132
Total domestic deposits to total assets84.9509%3,262
Equity capital to assets11.4766%2,605
Core capital (leverage) ratio10.0570%3,228
Tier 1 risk-based capital ratio14.1090%3,484
Total risk-based capital ratio15.3690%3,425
Memoranda:
Average total assets$173,619,5003,560
Average earning assets$157,681,7503,586
Average equity$20,076,7503,221
Average total loans$109,006,7503,752
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8667%2,733
Cost of funding earning assets2.3274%2,248
Net interest margin3.5393%4,615
Noninterest income to average assets0.3616%5,622
Noninterest expense to average assets2.6569%5,532
Loan and lease loss provision to assets0.5721%2,723
Net operating income to assets0.2689%5,019
Return on assets (ROA)0.2689%5,115
Pretax return on assets0.3604%5,046
Return on Equity (ROE)2.3197%5,170
Retained earnings to average equity (ytd only)0.7699%4,887
Net charge-offs to loans1.1686%1,564
Credit loss provision to net charge-offs77.5194%5,267
Earnings coverage of net charge-offs (x)1.2636%4,584
Efficiency ratio70.4814%4,685
Assets per employee ($millions)3.7740%4,169
Cash dividends to net income (ytd only)*66.8085%1,466
Condition Ratios (%)
Loss allowance to loans1.3847%3,814
Loan loss allowance to noncurrent loans22.6052%6,980
Noncurrent assets plus other real estate owned to assets5.7234%864
Noncurrent loans to loans6.1256%885
Net loans and leases to total assets60.7958%5,553
Net loans and leases to deposits73.3438%5,561
Net loans and leases to core deposits85.3453%5,982
Total domestic deposits to total assets82.8915%4,295
Equity capital to assets11.6881%2,391
Core capital (leverage) ratio10.5448%2,774
Tier 1 risk-based capital ratio14.5855%3,197
Total risk-based capital ratio15.7571%3,183
Memoranda:
Average total assets$174,791,6703,558
Average earning assets$159,408,3303,568
Average equity$20,261,6703,201
Average total loans$110,384,3303,757
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9491%2,570
Cost of funding earning assets2.3836%2,360
Net interest margin3.5655%4,464
Noninterest income to average assets0.3718%5,448
Noninterest expense to average assets2.5430%5,675
Loan and lease loss provision to assets0.7298%1,757
Net operating income to assets0.2372%5,540
Return on assets (ROA)0.2372%5,700
Pretax return on assets0.3740%5,468
Return on Equity (ROE)2.0546%5,757
Retained earnings to average equity (ytd only)2.0546%4,721
Net charge-offs to loans0.9102%1,450
Credit loss provision to net charge-offs125.4902%3,165
Earnings coverage of net charge-offs (x)1.8980%3,770
Efficiency ratio66.2914%5,269
Assets per employee ($millions)3.7841%4,132
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5415%2,760
Loan loss allowance to noncurrent loans27.1110%6,760
Noncurrent assets plus other real estate owned to assets4.4902%1,077
Noncurrent loans to loans5.6857%876
Net loans and leases to total assets62.0876%5,301
Net loans and leases to deposits74.9702%5,346
Net loans and leases to core deposits87.2282%5,817
Total domestic deposits to total assets82.8164%4,235
Equity capital to assets11.7076%2,443
Core capital (leverage) ratio10.4916%2,940
Tier 1 risk-based capital ratio14.4980%3,313
Total risk-based capital ratio15.7492%3,234
Memoranda:
Average total assets$175,385,5003,573
Average earning assets$161,101,0003,551
Average equity$20,247,0003,228
Average total loans$112,063,5003,740
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3099%3,910
Cost of funding earning assets2.7804%2,783
Net interest margin3.5296%5,193
Noninterest income to average assets0.4621%4,950
Noninterest expense to average assets2.2665%6,797
Loan and lease loss provision to assets0.4386%3,094
Net operating income to assets0.6388%4,150
Return on assets (ROA)0.6465%3,972
Pretax return on assets1.0611%3,177
Return on Equity (ROE)5.7602%4,040
Retained earnings to average equity (ytd only)2.0129%3,979
Net charge-offs to loans0.6758%1,826
Credit loss provision to net charge-offs106.8814%5,023
Earnings coverage of net charge-offs (x)3.6252%4,282
Efficiency ratio58.1786%6,665
Assets per employee ($millions)3.8414%3,876
Cash dividends to net income (ytd only)*65.0558%2,411
Condition Ratios (%)
Loss allowance to loans1.4227%3,071
Loan loss allowance to noncurrent loans26.5027%6,916
Noncurrent assets plus other real estate owned to assets4.3734%880
Noncurrent loans to loans5.3681%782
Net loans and leases to total assets63.7982%5,313
Net loans and leases to deposits76.6611%5,512
Net loans and leases to core deposits88.8985%5,898
Total domestic deposits to total assets83.2211%3,678
Equity capital to assets11.3834%2,714
Core capital (leverage) ratio10.9696%2,613
Tier 1 risk-based capital ratio13.8710%3,610
Total risk-based capital ratio15.1068%3,536
Memoranda:
Average total assets$166,427,6003,606
Average earning assets$155,231,4003,563
Average equity$18,679,8003,447
Average total loans$101,065,8003,917