Home > American Community Bank > Performance and Condition Ratios

American Community 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 assets5.4278%1,264
Cost of funding earning assets1.0557%3,181
Net interest margin4.3721%732
Noninterest income to average assets0.5200%1,874
Noninterest expense to average assets3.5434%553
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.7970%2,880
Return on assets (ROA)0.7864%2,894
Pretax return on assets1.0144%2,640
Return on Equity (ROE)6.3000%3,461
Retained earnings to average equity (ytd only)4.5833%2,760
Net charge-offs to loans0.0052%2,530
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)261.0000%481
Efficiency ratio77.5155%1,113
Assets per employee ($millions)6.2211%2,618
Cash dividends to net income (ytd only)*27.2909%2,659
Condition Ratios (%)
Loss allowance to loans1.1491%2,552
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets79.1600%746
Net loans and leases to deposits102.1828%423
Net loans and leases to core deposits105.7393%1,124
Total domestic deposits to total assets77.4700%3,790
Equity capital to assets12.8481%889
Core capital (leverage) ratio13.7447%854
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$253,935,0002,657
Average earning assets$235,585,4002,655
Average equity$31,680,4002,193
Average total loans$194,070,4002,330
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3100%1,277
Cost of funding earning assets0.9059%3,257
Net interest margin4.4041%696
Noninterest income to average assets0.5100%1,913
Noninterest expense to average assets3.3636%658
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.9608%2,481
Return on assets (ROA)0.9467%2,513
Pretax return on assets1.2211%2,246
Return on Equity (ROE)7.6500%3,276
Retained earnings to average equity (ytd only)5.3319%2,831
Net charge-offs to loans0.0139%1,894
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)117.8500%848
Efficiency ratio73.0813%1,444
Assets per employee ($millions)5.8779%2,857
Cash dividends to net income (ytd only)*30.2610%2,067
Condition Ratios (%)
Loss allowance to loans1.1929%2,398
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets78.4100%834
Net loans and leases to deposits98.9834%561
Net loans and leases to core deposits102.1736%1,203
Total domestic deposits to total assets79.2100%3,655
Equity capital to assets12.9201%830
Core capital (leverage) ratio14.0588%812
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$253,652,5002,669
Average earning assets$235,774,0002,661
Average equity$31,407,7502,194
Average total loans$191,524,7502,346
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2645%1,124
Cost of funding earning assets0.7741%3,285
Net interest margin4.4904%613
Noninterest income to average assets0.5200%1,794
Noninterest expense to average assets3.3183%676
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.0784%2,181
Return on assets (ROA)1.0574%2,240
Pretax return on assets1.3637%1,908
Return on Equity (ROE)8.6600%3,073
Retained earnings to average equity (ytd only)5.1720%2,897
Net charge-offs to loans0.0137%1,677
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)136.8462%788
Efficiency ratio70.4730%1,723
Assets per employee ($millions)6.0052%2,706
Cash dividends to net income (ytd only)*40.2809%1,681
Condition Ratios (%)
Loss allowance to loans1.2114%2,385
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets77.6400%873
Net loans and leases to deposits97.4495%647
Net loans and leases to core deposits99.8297%1,252
Total domestic deposits to total assets79.6700%3,618
Equity capital to assets12.9144%829
Core capital (leverage) ratio13.5926%858
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$255,912,6672,656
Average earning assets$238,729,6672,644
Average equity$31,245,0002,210
Average total loans$190,064,0002,354
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0651%1,120
Cost of funding earning assets0.6647%3,174
Net interest margin4.4005%682
Noninterest income to average assets0.3100%2,990
Noninterest expense to average assets3.3118%686
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8665%2,973
Return on assets (ROA)0.8253%3,063
Pretax return on assets1.0646%2,816
Return on Equity (ROE)6.9500%3,529
Retained earnings to average equity (ytd only)-0.0904%4,048
Net charge-offs to loans0.0276%1,139
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)56.0000%1,053
Efficiency ratio74.7835%1,268
Assets per employee ($millions)6.3323%2,469
Cash dividends to net income (ytd only)*101.3011%436
Condition Ratios (%)
Loss allowance to loans1.2151%2,477
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets73.4000%1,275
Net loans and leases to deposits87.6306%1,239
Net loans and leases to core deposits89.2527%1,659
Total domestic deposits to total assets83.7600%3,136
Equity capital to assets11.9789%1,005
Core capital (leverage) ratio12.5709%1,111
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$260,762,0002,666
Average earning assets$244,337,0002,647
Average equity$30,969,0002,249
Average total loans$188,346,0002,387
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2976%1,057
Cost of funding earning assets0.2926%2,941
Net interest margin4.0050%783
Noninterest income to average assets0.2300%3,761
Noninterest expense to average assets2.9518%1,043
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7426%3,502
Return on assets (ROA)0.7426%3,439
Pretax return on assets0.8998%3,355
Return on Equity (ROE)6.6000%3,712
Retained earnings to average equity (ytd only)4.2959%3,301
Net charge-offs to loans0.0123%1,922
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)113.1818%912
Efficiency ratio76.6395%953
Assets per employee ($millions)6.3878%2,429
Cash dividends to net income (ytd only)*34.9392%2,166
Condition Ratios (%)
Loss allowance to loans1.2824%1,983
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 assets69.2800%1,703
Net loans and leases to deposits82.4755%1,583
Net loans and leases to core deposits84.4267%1,852
Total domestic deposits to total assets84.0000%3,207
Equity capital to assets11.7747%999
Core capital (leverage) ratio11.9295%1,306
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$276,743,4002,566
Average earning assets$250,186,6002,611
Average equity$31,122,6002,290
Average total loans$178,271,8002,392
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1111%1,044
Cost of funding earning assets0.2333%2,892
Net interest margin3.8778%834
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets2.8272%1,194
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.7027%3,563
Return on assets (ROA)0.7027%3,517
Pretax return on assets0.8786%3,380
Return on Equity (ROE)6.3200%3,731
Retained earnings to average equity (ytd only)3.2484%3,712
Net charge-offs to loans0.0158%1,546
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)88.0000%1,004
Efficiency ratio76.2925%1,050
Assets per employee ($millions)7.2267%1,794
Cash dividends to net income (ytd only)*48.5792%1,254
Condition Ratios (%)
Loss allowance to loans1.3212%1,935
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets62.4900%2,235
Net loans and leases to deposits71.8006%2,224
Net loans and leases to core deposits73.9999%2,350
Total domestic deposits to total assets87.0300%2,749
Equity capital to assets10.8358%1,236
Core capital (leverage) ratio11.3885%1,505
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$280,454,2502,566
Average earning assets$251,509,0002,626
Average equity$31,193,7502,315
Average total loans$176,892,2502,400
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0326%893
Cost of funding earning assets0.2130%2,732
Net interest margin3.8196%721
Noninterest income to average assets0.2279%3,828
Noninterest expense to average assets2.7487%1,274
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.6993%3,313
Return on assets (ROA)0.6993%3,267
Pretax return on assets0.8743%3,138
Return on Equity (ROE)6.2334%3,520
Retained earnings to average equity (ytd only)1.6618%3,834
Net charge-offs to loans0.0215%1,295
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)64.4211%1,046
Efficiency ratio75.8675%1,301
Assets per employee ($millions)7.0268%1,922
Cash dividends to net income (ytd only)*73.3401%745
Condition Ratios (%)
Loss allowance to loans1.3482%1,964
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets61.4412%2,179
Net loans and leases to deposits70.8233%2,126
Net loans and leases to core deposits73.9162%2,181
Total domestic deposits to total assets86.7529%3,019
Equity capital to assets11.1185%1,161
Core capital (leverage) ratio11.2825%1,442
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$279,991,3332,584
Average earning assets$248,872,6672,682
Average equity$31,411,6672,348
Average total loans$176,366,6672,404
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1325%594
Cost of funding earning assets0.2078%2,691
Net interest margin3.9247%473
Noninterest income to average assets0.2075%3,916
Noninterest expense to average assets2.7554%1,243
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.7729%2,757
Return on assets (ROA)0.7729%2,749
Pretax return on assets0.9662%2,549
Return on Equity (ROE)6.8589%3,083
Retained earnings to average equity (ytd only)-2.2609%4,268
Net charge-offs to loans0.0023%1,733
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)675.0000%144
Efficiency ratio74.0385%1,738
Assets per employee ($millions)7.6847%1,560
Cash dividends to net income (ytd only)*132.9630%363
Condition Ratios (%)
Loss allowance to loans1.3727%2,018
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets58.5084%2,244
Net loans and leases to deposits67.2462%2,222
Net loans and leases to core deposits70.1727%2,281
Total domestic deposits to total assets87.0063%2,926
Equity capital to assets10.6928%1,494
Core capital (leverage) ratio11.3140%1,350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$279,451,0002,603
Average earning assets$250,211,5002,681
Average equity$31,492,0002,411
Average total loans$177,023,0002,402
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2277%950
Cost of funding earning assets0.2358%3,079
Net interest margin3.9919%721
Noninterest income to average assets0.4372%2,872
Noninterest expense to average assets2.8692%1,222
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.0340%2,543
Return on assets (ROA)1.0340%2,612
Pretax return on assets1.2384%2,556
Return on Equity (ROE)8.4484%3,093
Retained earnings to average equity (ytd only)6.9973%1,917
Net charge-offs to loans-0.0294%4,116
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8510%1,751
Assets per employee ($millions)7.2131%1,783
Cash dividends to net income (ytd only)*17.1760%3,123
Condition Ratios (%)
Loss allowance to loans1.3157%2,291
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets66.8583%1,392
Net loans and leases to deposits77.9872%1,397
Net loans and leases to core deposits81.6310%1,486
Total domestic deposits to total assets85.7298%3,006
Equity capital to assets11.8999%1,298
Core capital (leverage) ratio11.9771%1,093
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$250,002,6002,729
Average earning assets$229,864,0002,746
Average equity$30,597,4002,493
Average total loans$190,210,8002,302
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2326%1,059
Cost of funding earning assets0.2440%3,175
Net interest margin3.9886%811
Noninterest income to average assets0.5159%2,557
Noninterest expense to average assets2.8436%1,232
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.1435%2,395
Return on assets (ROA)1.1435%2,455
Pretax return on assets1.3616%2,458
Return on Equity (ROE)9.2738%3,012
Retained earnings to average equity (ytd only)7.3205%2,300
Net charge-offs to loans-0.0457%4,311
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6213%1,884
Assets per employee ($millions)7.2925%1,684
Cash dividends to net income (ytd only)*21.0626%2,499
Condition Ratios (%)
Loss allowance to loans1.2913%2,535
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets71.5473%915
Net loans and leases to deposits83.6886%983
Net loans and leases to core deposits88.1356%1,143
Total domestic deposits to total assets85.4924%2,950
Equity capital to assets12.2517%1,285
Core capital (leverage) ratio12.1193%1,116
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$245,782,2502,780
Average earning assets$227,339,5002,783
Average equity$30,307,0002,543
Average total loans$192,560,2502,322
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3823%868
Cost of funding earning assets0.2577%3,209
Net interest margin4.1246%663
Noninterest income to average assets0.6685%1,935
Noninterest expense to average assets2.8405%1,270
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.3914%1,584
Return on assets (ROA)1.3914%1,657
Pretax return on assets1.6535%1,604
Return on Equity (ROE)11.2587%2,314
Retained earnings to average equity (ytd only)8.2973%1,977
Net charge-offs to loans-0.0021%3,202
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2062%2,538
Assets per employee ($millions)6.7634%1,974
Cash dividends to net income (ytd only)*26.3033%2,237
Condition Ratios (%)
Loss allowance to loans1.2280%2,784
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets76.7718%522
Net loans and leases to deposits90.2706%636
Net loans and leases to core deposits95.3748%835
Total domestic deposits to total assets85.0462%3,077
Equity capital to assets12.6374%1,069
Core capital (leverage) ratio12.4771%936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$242,630,3332,795
Average earning assets$225,040,6672,795
Average equity$29,985,6672,555
Average total loans$195,078,6672,312
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3020%1,032
Cost of funding earning assets0.2855%3,141
Net interest margin4.0165%822
Noninterest income to average assets1.1280%942
Noninterest expense to average assets2.8901%1,171
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.6465%1,024
Return on assets (ROA)1.6465%1,077
Pretax return on assets1.9554%1,021
Return on Equity (ROE)13.4759%1,548
Retained earnings to average equity (ytd only)7.4746%2,423
Net charge-offs to loans-0.0020%3,139
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6455%3,072
Assets per employee ($millions)6.6602%2,044
Cash dividends to net income (ytd only)*44.5336%1,270
Condition Ratios (%)
Loss allowance to loans1.1732%3,075
Loan loss allowance to noncurrent loans160.9418%2,689
Noncurrent assets plus other real estate owned to assets0.5860%1,623
Noncurrent loans to loans0.7290%1,782
Net loans and leases to total assets79.4386%372
Net loans and leases to deposits94.6551%459
Net loans and leases to core deposits100.2001%706
Total domestic deposits to total assets83.9243%3,461
Equity capital to assets12.1366%1,228
Core capital (leverage) ratio12.5574%970
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$242,203,5002,783
Average earning assets$224,174,5002,784
Average equity$29,593,5002,577
Average total loans$197,992,5002,295
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2730%1,948
Cost of funding earning assets0.5846%2,415
Net interest margin3.6884%1,840
Noninterest income to average assets0.1878%4,350
Noninterest expense to average assets2.8056%1,928
Loan and lease loss provision to assets0.1731%2,226
Net operating income to assets0.5527%3,901
Return on assets (ROA)0.5839%3,909
Pretax return on assets0.7211%3,840
Return on Equity (ROE)4.7380%3,970
Retained earnings to average equity (ytd only)3.4947%3,081
Net charge-offs to loans-0.0037%4,069
Credit loss provision to net charge-offs-5,714.2857%4,349
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6284%1,160
Assets per employee ($millions)6.7994%1,710
Cash dividends to net income (ytd only)*26.2417%3,008
Condition Ratios (%)
Loss allowance to loans1.1738%3,090
Loan loss allowance to noncurrent loans160.8726%2,701
Noncurrent assets plus other real estate owned to assets0.6068%1,741
Noncurrent loans to loans0.7297%1,883
Net loans and leases to total assets82.1833%282
Net loans and leases to deposits101.5341%319
Net loans and leases to core deposits108.2688%563
Total domestic deposits to total assets80.9416%3,882
Equity capital to assets12.3032%1,418
Core capital (leverage) ratio12.4511%1,058
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$231,040,4002,710
Average earning assets$217,576,4002,687
Average equity$28,472,0002,573
Average total loans$187,004,6002,354
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3041%2,090
Cost of funding earning assets0.6494%2,323
Net interest margin3.6547%2,087
Noninterest income to average assets0.1855%4,360
Noninterest expense to average assets2.7212%2,199
Loan and lease loss provision to assets0.1888%2,096
Net operating income to assets0.5826%3,822
Return on assets (ROA)0.6245%3,801
Pretax return on assets0.7727%3,721
Return on Equity (ROE)5.0653%3,876
Retained earnings to average equity (ytd only)3.3957%3,359
Net charge-offs to loans-0.0022%3,895
Credit loss provision to net charge-offs-10,833.3333%4,351
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9400%1,308
Assets per employee ($millions)6.2799%2,018
Cash dividends to net income (ytd only)*32.9609%2,234
Condition Ratios (%)
Loss allowance to loans1.1287%3,045
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets82.3740%410
Net loans and leases to deposits99.1251%569
Net loans and leases to core deposits106.5015%831
Total domestic deposits to total assets83.1010%3,121
Equity capital to assets12.1013%1,623
Core capital (leverage) ratio12.2146%1,239
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$229,305,7502,705
Average earning assets$216,189,5002,690
Average equity$28,270,2502,578
Average total loans$184,280,2502,380
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3918%2,234
Cost of funding earning assets0.7262%2,261
Net interest margin3.6657%2,277
Noninterest income to average assets0.1866%4,344
Noninterest expense to average assets2.6552%2,502
Loan and lease loss provision to assets0.1547%2,452
Net operating income to assets0.6693%3,503
Return on assets (ROA)0.7330%3,385
Pretax return on assets0.9054%3,299
Return on Equity (ROE)5.9072%3,549
Retained earnings to average equity (ytd only)3.3847%3,229
Net charge-offs to loans-0.0022%3,840
Credit loss provision to net charge-offs-8,750.0000%4,188
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0124%1,569
Assets per employee ($millions)6.7762%1,575
Cash dividends to net income (ytd only)*42.7021%1,839
Condition Ratios (%)
Loss allowance to loans1.0674%3,244
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets79.5263%649
Net loans and leases to deposits95.0323%873
Net loans and leases to core deposits103.6901%1,023
Total domestic deposits to total assets83.6834%2,856
Equity capital to assets11.6749%1,847
Core capital (leverage) ratio12.6218%1,141
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$226,195,6672,710
Average earning assets$212,895,0002,689
Average equity$28,067,6672,580
Average total loans$179,434,3332,406
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5255%2,239
Cost of funding earning assets0.8622%2,048
Net interest margin3.6633%2,455
Noninterest income to average assets0.2393%4,122
Noninterest expense to average assets3.1989%1,424
Loan and lease loss provision to assets0.0460%3,200
Net operating income to assets0.3884%4,163
Return on assets (ROA)0.3884%4,196
Pretax return on assets0.4509%4,205
Return on Equity (ROE)3.0293%4,213
Retained earnings to average equity (ytd only)-2.0530%4,262
Net charge-offs to loans-0.0047%3,847
Credit loss provision to net charge-offs-1,250.0000%3,596
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.5538%662
Assets per employee ($millions)6.0280%1,656
Cash dividends to net income (ytd only)*167.7725%389
Condition Ratios (%)
Loss allowance to loans1.1065%3,170
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets80.0223%692
Net loans and leases to deposits96.3572%873
Net loans and leases to core deposits107.1965%985
Total domestic deposits to total assets83.0476%3,096
Equity capital to assets12.7844%1,555
Core capital (leverage) ratio13.0052%1,201
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2993%1,280
Memoranda:
Average total assets$217,322,5002,730
Average earning assets$205,061,5002,701
Average equity$27,861,5002,588
Average total loans$171,106,0002,441
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6283%2,524
Cost of funding earning assets1.0167%1,654
Net interest margin3.6116%3,099
Noninterest income to average assets0.2504%4,179
Noninterest expense to average assets3.0246%1,954
Loan and lease loss provision to assets-0.0348%4,986
Net operating income to assets0.5500%4,287
Return on assets (ROA)0.5500%4,346
Pretax return on assets0.6557%4,312
Return on Equity (ROE)4.3264%4,390
Retained earnings to average equity (ytd only)2.7177%3,678
Net charge-offs to loans-0.0054%4,360
Credit loss provision to net charge-offs833.3333%396
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.9665%732
Assets per employee ($millions)5.8821%1,728
Cash dividends to net income (ytd only)*37.1838%2,742
Condition Ratios (%)
Loss allowance to loans1.1500%2,698
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets75.6757%1,471
Net loans and leases to deposits88.4698%1,774
Net loans and leases to core deposits102.6930%1,340
Total domestic deposits to total assets85.5384%2,271
Equity capital to assets12.8562%1,609
Core capital (leverage) ratio12.7404%1,356
Tier 1 risk-based capital ratio16.9815%2,056
Total risk-based capital ratio18.1375%2,033
Memoranda:
Average total assets$215,631,6002,702
Average earning assets$202,710,6002,683
Average equity$27,413,0002,537
Average total loans$167,258,4002,440
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6587%2,531
Cost of funding earning assets1.0282%1,640
Net interest margin3.6306%3,167
Noninterest income to average assets0.2491%4,251
Noninterest expense to average assets2.9612%2,080
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.5826%4,336
Return on assets (ROA)0.5826%4,385
Pretax return on assets0.6997%4,342
Return on Equity (ROE)4.5957%4,456
Retained earnings to average equity (ytd only)2.4445%4,123
Net charge-offs to loans-0.0056%4,233
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8871%844
Assets per employee ($millions)6.0848%1,543
Cash dividends to net income (ytd only)*46.8084%1,836
Condition Ratios (%)
Loss allowance to loans1.1787%2,623
Loan loss allowance to noncurrent loans3,683.3333%192
Noncurrent assets plus other real estate owned to assets0.0240%4,624
Noncurrent loans to loans0.0320%4,525
Net loans and leases to total assets74.0654%1,808
Net loans and leases to deposits87.0889%2,048
Net loans and leases to core deposits100.4506%1,627
Total domestic deposits to total assets85.0457%2,409
Equity capital to assets12.3262%2,026
Core capital (leverage) ratio12.6053%1,526
Tier 1 risk-based capital ratio16.4709%2,278
Total risk-based capital ratio17.6438%2,237
Memoranda:
Average total assets$215,130,0002,726
Average earning assets$202,167,5002,708
Average equity$27,271,2502,557
Average total loans$167,419,2502,460
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7121%2,326
Cost of funding earning assets1.0090%1,655
Net interest margin3.7030%2,923
Noninterest income to average assets0.2512%4,252
Noninterest expense to average assets2.9482%2,142
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6620%4,124
Return on assets (ROA)0.6620%4,179
Pretax return on assets0.7791%4,141
Return on Equity (ROE)5.1713%4,301
Retained earnings to average equity (ytd only)1.9180%4,139
Net charge-offs to loans-0.0048%4,111
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0980%1,052
Assets per employee ($millions)5.4925%1,978
Cash dividends to net income (ytd only)*62.9101%1,320
Condition Ratios (%)
Loss allowance to loans1.1693%2,673
Loan loss allowance to noncurrent loans3,424.1379%209
Noncurrent assets plus other real estate owned to assets0.0271%4,640
Noncurrent loans to loans0.0341%4,544
Net loans and leases to total assets78.3616%1,153
Net loans and leases to deposits93.5011%1,310
Net loans and leases to core deposits111.4411%891
Total domestic deposits to total assets83.8082%2,946
Equity capital to assets12.8338%1,673
Core capital (leverage) ratio12.8193%1,391
Tier 1 risk-based capital ratio16.0795%2,373
Total risk-based capital ratio17.2345%2,362
Memoranda:
Average total assets$211,793,6702,760
Average earning assets$198,809,3302,751
Average equity$27,111,3302,562
Average total loans$166,979,3302,473
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7292%2,124
Cost of funding earning assets0.9386%1,844
Net interest margin3.7906%2,564
Noninterest income to average assets0.2165%4,452
Noninterest expense to average assets2.9480%2,139
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.7123%3,896
Return on assets (ROA)0.7123%3,942
Pretax return on assets0.8282%3,972
Return on Equity (ROE)5.5718%4,167
Retained earnings to average equity (ytd only)-0.9806%4,650
Net charge-offs to loans-0.0048%4,016
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0684%1,257
Assets per employee ($millions)5.7614%1,738
Cash dividends to net income (ytd only)*117.6000%482
Condition Ratios (%)
Loss allowance to loans1.1762%2,708
Loan loss allowance to noncurrent loans2,961.1940%235
Noncurrent assets plus other real estate owned to assets0.0314%4,684
Noncurrent loans to loans0.0397%4,588
Net loans and leases to total assets78.2002%1,117
Net loans and leases to deposits95.4852%1,016
Net loans and leases to core deposits114.3197%725
Total domestic deposits to total assets81.8977%3,751
Equity capital to assets12.6419%1,660
Core capital (leverage) ratio12.8395%1,345
Tier 1 risk-based capital ratio15.6376%2,588
Total risk-based capital ratio16.7747%2,559
Memoranda:
Average total assets$210,587,0002,801
Average earning assets$197,751,5002,787
Average equity$26,921,5002,576
Average total loans$165,548,0002,509
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6330%2,045
Cost of funding earning assets0.7111%2,019
Net interest margin3.9219%2,254
Noninterest income to average assets0.2299%4,536
Noninterest expense to average assets2.9788%2,101
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.7922%3,832
Return on assets (ROA)0.7922%3,834
Pretax return on assets0.9430%3,780
Return on Equity (ROE)6.1425%4,131
Retained earnings to average equity (ytd only)4.8058%2,889
Net charge-offs to loans-0.0090%4,462
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9549%1,376
Assets per employee ($millions)5.6217%1,841
Cash dividends to net income (ytd only)*21.7607%3,415
Condition Ratios (%)
Loss allowance to loans1.2204%2,467
Loan loss allowance to noncurrent loans2,831.4286%281
Noncurrent assets plus other real estate owned to assets0.0337%4,685
Noncurrent loans to loans0.0431%4,562
Net loans and leases to total assets77.1286%1,420
Net loans and leases to deposits92.5564%1,463
Net loans and leases to core deposits109.6148%1,027
Total domestic deposits to total assets83.3314%3,217
Equity capital to assets12.9297%1,382
Core capital (leverage) ratio12.9706%1,265
Tier 1 risk-based capital ratio16.3978%2,272
Total risk-based capital ratio17.5864%2,234
Memoranda:
Average total assets$203,606,4002,825
Average earning assets$191,667,2002,811
Average equity$26,259,8002,556
Average total loans$155,290,4002,579
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5864%2,017
Cost of funding earning assets0.6543%2,127
Net interest margin3.9321%2,188
Noninterest income to average assets0.2173%4,665
Noninterest expense to average assets2.8950%2,316
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.8585%3,701
Return on assets (ROA)0.8585%3,704
Pretax return on assets1.0218%3,656
Return on Equity (ROE)6.6611%4,052
Retained earnings to average equity (ytd only)4.8681%3,308
Net charge-offs to loans-0.0104%4,416
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9116%1,608
Assets per employee ($millions)5.7971%1,644
Cash dividends to net income (ytd only)*26.9173%2,702
Condition Ratios (%)
Loss allowance to loans1.2292%2,456
Loan loss allowance to noncurrent loans2,750.0000%265
Noncurrent assets plus other real estate owned to assets0.0345%4,812
Noncurrent loans to loans0.0447%4,699
Net loans and leases to total assets76.2382%1,627
Net loans and leases to deposits96.1528%1,138
Net loans and leases to core deposits113.9189%825
Total domestic deposits to total assets79.2885%4,259
Equity capital to assets12.7257%1,453
Core capital (leverage) ratio13.1213%1,232
Tier 1 risk-based capital ratio15.8562%2,503
Total risk-based capital ratio17.0184%2,478
Memoranda:
Average total assets$202,507,5002,857
Average earning assets$190,529,7502,837
Average equity$26,101,2502,576
Average total loans$153,510,2502,616
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5463%1,948
Cost of funding earning assets0.6057%2,188
Net interest margin3.9406%2,064
Noninterest income to average assets0.2165%4,726
Noninterest expense to average assets2.9804%2,095
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.8062%3,837
Return on assets (ROA)0.8062%3,836
Pretax return on assets0.9429%3,831
Return on Equity (ROE)6.2276%4,159
Retained earnings to average equity (ytd only)3.5223%3,832
Net charge-offs to loans-0.0132%4,411
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9664%1,430
Assets per employee ($millions)6.2282%1,319
Cash dividends to net income (ytd only)*43.4406%1,962
Condition Ratios (%)
Loss allowance to loans1.2571%2,393
Loan loss allowance to noncurrent loans2,637.3333%270
Noncurrent assets plus other real estate owned to assets0.0365%4,843
Noncurrent loans to loans0.0477%4,706
Net loans and leases to total assets75.5911%1,703
Net loans and leases to deposits93.5032%1,413
Net loans and leases to core deposits108.5938%1,080
Total domestic deposits to total assets80.8434%4,043
Equity capital to assets12.7182%1,430
Core capital (leverage) ratio13.0153%1,209
Tier 1 risk-based capital ratio15.7676%2,529
Total risk-based capital ratio16.9446%2,494
Memoranda:
Average total assets$200,444,6702,893
Average earning assets$188,549,3302,871
Average equity$25,949,0002,592
Average total loans$150,985,0002,656
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5165%1,813
Cost of funding earning assets0.5724%2,240
Net interest margin3.9442%1,884
Noninterest income to average assets0.2102%4,758
Noninterest expense to average assets3.0520%1,941
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7377%3,954
Return on assets (ROA)0.7377%3,957
Pretax return on assets0.8631%3,972
Return on Equity (ROE)5.6472%4,262
Retained earnings to average equity (ytd only)0.2166%4,771
Net charge-offs to loans-0.0054%4,039
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9556%1,358
Assets per employee ($millions)5.6953%1,764
Cash dividends to net income (ytd only)*96.1644%609
Condition Ratios (%)
Loss allowance to loans1.3148%2,174
Loan loss allowance to noncurrent loans131.7057%2,974
Noncurrent assets plus other real estate owned to assets0.7500%2,074
Noncurrent loans to loans0.9983%1,831
Net loans and leases to total assets74.1378%1,835
Net loans and leases to deposits90.9821%1,564
Net loans and leases to core deposits100.2592%1,670
Total domestic deposits to total assets81.4861%4,101
Equity capital to assets12.9324%1,283
Core capital (leverage) ratio13.2384%1,096
Tier 1 risk-based capital ratio16.5078%2,273
Total risk-based capital ratio17.7561%2,226
Memoranda:
Average total assets$197,901,0002,950
Average earning assets$185,895,5002,932
Average equity$25,853,5002,629
Average total loans$147,806,5002,716
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4824%1,772
Cost of funding earning assets0.4637%2,655
Net interest margin4.0188%1,693
Noninterest income to average assets0.2211%4,826
Noninterest expense to average assets3.2178%1,572
Loan and lease loss provision to assets-0.1583%5,544
Net operating income to assets0.7035%3,590
Return on assets (ROA)0.7187%3,568
Pretax return on assets0.9504%3,734
Return on Equity (ROE)5.2494%4,067
Retained earnings to average equity (ytd only)3.5497%3,149
Net charge-offs to loans-0.0072%4,712
Credit loss provision to net charge-offs3,000.0000%137
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6507%1,048
Assets per employee ($millions)5.7898%1,663
Cash dividends to net income (ytd only)*32.3789%3,202
Condition Ratios (%)
Loss allowance to loans1.3492%1,973
Loan loss allowance to noncurrent loans128.1250%3,102
Noncurrent assets plus other real estate owned to assets0.7803%1,997
Noncurrent loans to loans1.0531%1,685
Net loans and leases to total assets73.0958%2,080
Net loans and leases to deposits91.1869%1,629
Net loans and leases to core deposits100.4678%1,678
Total domestic deposits to total assets80.1604%4,309
Equity capital to assets13.3917%1,102
Core capital (leverage) ratio13.7767%894
Tier 1 risk-based capital ratio16.9980%2,094
Total risk-based capital ratio18.2483%2,042
Memoranda:
Average total assets$189,507,4003,024
Average earning assets$177,716,0002,986
Average equity$25,945,8002,609
Average total loans$139,336,2002,794
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4788%1,704
Cost of funding earning assets0.4618%2,601
Net interest margin4.0170%1,645
Noninterest income to average assets0.2202%4,899
Noninterest expense to average assets3.1530%1,669
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.6386%4,237
Return on assets (ROA)0.6501%4,245
Pretax return on assets0.8454%4,225
Return on Equity (ROE)4.7209%4,629
Retained earnings to average equity (ytd only)2.4456%4,427
Net charge-offs to loans-0.0068%4,527
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1511%1,196
Assets per employee ($millions)5.6879%1,734
Cash dividends to net income (ytd only)*48.1971%1,850
Condition Ratios (%)
Loss allowance to loans1.6519%1,126
Loan loss allowance to noncurrent loans137.1896%2,969
Noncurrent assets plus other real estate owned to assets0.8537%2,019
Noncurrent loans to loans1.2041%1,582
Net loans and leases to total assets69.7318%2,603
Net loans and leases to deposits83.7856%2,581
Net loans and leases to core deposits92.4867%2,397
Total domestic deposits to total assets83.2265%3,383
Equity capital to assets13.4760%1,167
Core capital (leverage) ratio13.4723%1,032
Tier 1 risk-based capital ratio16.8527%2,200
Total risk-based capital ratio18.1056%2,157
Memoranda:
Average total assets$187,670,7503,073
Average earning assets$175,815,0003,031
Average equity$25,841,7502,638
Average total loans$137,705,2502,829
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4780%1,578
Cost of funding earning assets0.4599%2,512
Net interest margin4.0181%1,549
Noninterest income to average assets0.2078%5,005
Noninterest expense to average assets3.1653%1,666
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6221%4,198
Return on assets (ROA)0.6395%4,175
Pretax return on assets0.8279%4,171
Return on Equity (ROE)4.6102%4,628
Retained earnings to average equity (ytd only)1.1875%4,768
Net charge-offs to loans-0.0058%4,369
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.7180%1,243
Assets per employee ($millions)5.3981%1,968
Cash dividends to net income (ytd only)*74.2424%1,002
Condition Ratios (%)
Loss allowance to loans1.6175%1,226
Loan loss allowance to noncurrent loans126.5660%3,111
Noncurrent assets plus other real estate owned to assets0.9464%1,858
Noncurrent loans to loans1.2780%1,509
Net loans and leases to total assets72.8547%2,069
Net loans and leases to deposits86.2537%2,188
Net loans and leases to core deposits96.1021%1,970
Total domestic deposits to total assets84.4656%3,024
Equity capital to assets13.6020%1,112
Core capital (leverage) ratio13.6542%953
Tier 1 risk-based capital ratio16.0362%2,489
Total risk-based capital ratio17.2882%2,424
Memoranda:
Average total assets$185,765,0003,097
Average earning assets$173,962,0003,060
Average equity$25,768,6702,649
Average total loans$137,901,0002,837
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4407%1,525
Cost of funding earning assets0.4555%2,479
Net interest margin3.9852%1,507
Noninterest income to average assets0.1976%5,086
Noninterest expense to average assets3.1513%1,739
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.6011%4,160
Return on assets (ROA)0.6146%4,147
Pretax return on assets0.7884%4,152
Return on Equity (ROE)4.3870%4,635
Retained earnings to average equity (ytd only)-2.4493%5,217
Net charge-offs to loans-0.0029%4,058
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.3433%1,342
Assets per employee ($millions)6.0776%1,445
Cash dividends to net income (ytd only)*155.8304%367
Condition Ratios (%)
Loss allowance to loans1.6499%1,248
Loan loss allowance to noncurrent loans116.5034%3,336
Noncurrent assets plus other real estate owned to assets1.0292%1,763
Noncurrent loans to loans1.4162%1,428
Net loans and leases to total assets71.4703%2,145
Net loans and leases to deposits85.7391%2,059
Net loans and leases to core deposits95.3377%1,864
Total domestic deposits to total assets83.3578%3,718
Equity capital to assets13.5786%1,042
Core capital (leverage) ratio13.7426%903
Tier 1 risk-based capital ratio16.0681%2,519
Total risk-based capital ratio17.3205%2,473
Memoranda:
Average total assets$184,180,0003,141
Average earning assets$172,136,5003,106
Average equity$25,803,5002,662
Average total loans$136,896,0002,864
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6021%1,279
Cost of funding earning assets0.4758%2,303
Net interest margin4.1263%1,316
Noninterest income to average assets0.3269%4,403
Noninterest expense to average assets3.3031%1,567
Loan and lease loss provision to assets-0.2540%5,813
Net operating income to assets0.8551%3,048
Return on assets (ROA)0.8733%3,072
Pretax return on assets1.1652%2,828
Return on Equity (ROE)6.0750%3,944
Retained earnings to average equity (ytd only)4.7005%2,549
Net charge-offs to loans-0.0188%5,108
Credit loss provision to net charge-offs1,875.0000%237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8332%1,574
Assets per employee ($millions)5.2927%2,068
Cash dividends to net income (ytd only)*22.6244%3,630
Condition Ratios (%)
Loss allowance to loans1.6504%1,253
Loan loss allowance to noncurrent loans111.4455%3,398
Noncurrent assets plus other real estate owned to assets1.1264%1,647
Noncurrent loans to loans1.4809%1,365
Net loans and leases to total assets74.8079%1,722
Net loans and leases to deposits90.6953%1,608
Net loans and leases to core deposits100.2614%1,596
Total domestic deposits to total assets82.4826%3,940
Equity capital to assets14.4616%743
Core capital (leverage) ratio14.4948%698
Tier 1 risk-based capital ratio16.8917%2,193
Total risk-based capital ratio18.1445%2,141
Memoranda:
Average total assets$177,134,2003,193
Average earning assets$165,837,2003,163
Average equity$25,465,2002,679
Average total loans$127,407,6002,955
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6719%1,129
Cost of funding earning assets0.4805%2,256
Net interest margin4.1914%1,139
Noninterest income to average assets0.3582%4,217
Noninterest expense to average assets3.3032%1,559
Loan and lease loss provision to assets-0.3401%5,918
Net operating income to assets0.9735%2,554
Return on assets (ROA)0.9975%2,585
Pretax return on assets1.3497%2,241
Return on Equity (ROE)6.9494%3,584
Retained earnings to average equity (ytd only)5.1067%2,753
Net charge-offs to loans-0.0245%5,078
Credit loss provision to net charge-offs1,956.5217%238
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1716%1,813
Assets per employee ($millions)5.4688%1,883
Cash dividends to net income (ytd only)*26.5154%2,961
Condition Ratios (%)
Loss allowance to loans1.7413%1,123
Loan loss allowance to noncurrent loans500.4435%1,059
Noncurrent assets plus other real estate owned to assets0.2499%4,438
Noncurrent loans to loans0.3480%4,007
Net loans and leases to total assets70.5683%2,412
Net loans and leases to deposits85.5410%2,310
Net loans and leases to core deposits94.3210%2,163
Total domestic deposits to total assets82.4965%3,782
Equity capital to assets14.4920%874
Core capital (leverage) ratio14.0181%843
Tier 1 risk-based capital ratio17.8429%1,963
Total risk-based capital ratio19.0966%1,926
Memoranda:
Average total assets$176,429,5003,220
Average earning assets$165,095,7503,187
Average equity$25,325,5002,705
Average total loans$125,040,0003,000
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6755%1,104
Cost of funding earning assets0.4765%2,303
Net interest margin4.1990%1,117
Noninterest income to average assets0.4387%3,605
Noninterest expense to average assets3.3470%1,489
Loan and lease loss provision to assets-0.3427%5,990
Net operating income to assets1.0043%2,375
Return on assets (ROA)1.0407%2,342
Pretax return on assets1.4096%1,985
Return on Equity (ROE)7.2736%3,383
Retained earnings to average equity (ytd only)4.4792%3,065
Net charge-offs to loans-0.0340%5,187
Credit loss provision to net charge-offs1,428.5714%275
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6815%1,981
Assets per employee ($millions)5.4710%1,823
Cash dividends to net income (ytd only)*38.4193%2,492
Condition Ratios (%)
Loss allowance to loans1.9227%858
Loan loss allowance to noncurrent loans205.7314%2,225
Noncurrent assets plus other real estate owned to assets0.6677%3,001
Noncurrent loans to loans0.9346%2,408
Net loans and leases to total assets70.0736%2,469
Net loans and leases to deposits85.1288%2,338
Net loans and leases to core deposits95.4574%2,027
Total domestic deposits to total assets82.3148%3,903
Equity capital to assets14.6328%836
Core capital (leverage) ratio14.0566%806
Tier 1 risk-based capital ratio17.8058%1,991
Total risk-based capital ratio19.0617%1,948
Memoranda:
Average total assets$175,082,0003,253
Average earning assets$163,704,0003,225
Average equity$25,049,3302,737
Average total loans$123,515,6703,027
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6938%1,060
Cost of funding earning assets0.4677%2,395
Net interest margin4.2261%1,048
Noninterest income to average assets0.6077%2,483
Noninterest expense to average assets3.3652%1,454
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8881%2,815
Return on assets (ROA)0.9618%2,568
Pretax return on assets1.2839%2,368
Return on Equity (ROE)6.7999%3,558
Retained earnings to average equity (ytd only)1.1468%4,783
Net charge-offs to loans-0.0130%4,645
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9458%2,483
Assets per employee ($millions)5.5906%1,753
Cash dividends to net income (ytd only)*83.1354%953
Condition Ratios (%)
Loss allowance to loans2.1730%612
Loan loss allowance to noncurrent loans163.3050%2,594
Noncurrent assets plus other real estate owned to assets0.9201%2,394
Noncurrent loans to loans1.3306%1,794
Net loans and leases to total assets67.6434%2,706
Net loans and leases to deposits82.4807%2,487
Net loans and leases to core deposits91.9189%2,191
Total domestic deposits to total assets82.0112%4,225
Equity capital to assets13.9743%991
Core capital (leverage) ratio14.0598%796
Tier 1 risk-based capital ratio17.3502%2,174
Total risk-based capital ratio18.6078%2,141
Memoranda:
Average total assets$175,086,5003,261
Average earning assets$163,364,5003,236
Average equity$24,765,0002,768
Average total loans$122,731,0003,044
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8216%892
Cost of funding earning assets0.5274%1,944
Net interest margin4.2943%970
Noninterest income to average assets0.2273%5,235
Noninterest expense to average assets3.5808%1,169
Loan and lease loss provision to assets-0.3166%6,072
Net operating income to assets0.7115%3,759
Return on assets (ROA)0.7393%3,721
Pretax return on assets0.9618%3,606
Return on Equity (ROE)5.1719%4,414
Retained earnings to average equity (ytd only)3.7250%3,397
Net charge-offs to loans-0.0731%5,684
Credit loss provision to net charge-offs610.4651%554
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.4634%1,048
Assets per employee ($millions)5.5249%1,775
Cash dividends to net income (ytd only)*27.9772%3,443
Condition Ratios (%)
Loss allowance to loans2.2043%588
Loan loss allowance to noncurrent loans588.5965%932
Noncurrent assets plus other real estate owned to assets0.2662%4,527
Noncurrent loans to loans0.3745%4,103
Net loans and leases to total assets69.5241%2,444
Net loans and leases to deposits86.9873%2,007
Net loans and leases to core deposits96.6063%1,785
Total domestic deposits to total assets79.9244%4,762
Equity capital to assets14.3222%824
Core capital (leverage) ratio14.1997%775
Tier 1 risk-based capital ratio15.6042%2,880
Total risk-based capital ratio16.8598%2,813
Memoranda:
Average total assets$165,829,0003,366
Average earning assets$153,018,4003,357
Average equity$23,704,8002,811
Average total loans$117,579,2003,085
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0025%620
Cost of funding earning assets0.5354%1,928
Net interest margin4.4671%705
Noninterest income to average assets0.2659%5,032
Noninterest expense to average assets3.4762%1,330
Loan and lease loss provision to assets-0.1824%6,086
Net operating income to assets0.7700%3,578
Return on assets (ROA)0.8034%3,512
Pretax return on assets1.1317%3,090
Return on Equity (ROE)5.6229%4,348
Retained earnings to average equity (ytd only)3.6767%3,849
Net charge-offs to loans-0.1156%5,838
Credit loss provision to net charge-offs222.7723%1,232
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3927%1,741
Assets per employee ($millions)5.5082%1,777
Cash dividends to net income (ytd only)*34.6114%2,593
Condition Ratios (%)
Loss allowance to loans2.4668%451
Loan loss allowance to noncurrent loans405.8187%1,242
Noncurrent assets plus other real estate owned to assets0.4328%4,052
Noncurrent loans to loans0.6079%3,494
Net loans and leases to total assets69.4426%2,468
Net loans and leases to deposits90.7814%1,553
Net loans and leases to core deposits100.2799%1,488
Total domestic deposits to total assets76.4943%5,417
Equity capital to assets14.0975%987
Core capital (leverage) ratio14.1862%815
Tier 1 risk-based capital ratio15.1186%3,236
Total risk-based capital ratio16.3769%3,167
Memoranda:
Average total assets$164,468,0003,412
Average earning assets$151,413,2503,406
Average equity$23,498,5002,856
Average total loans$116,534,0003,129
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0771%530
Cost of funding earning assets0.5549%1,777
Net interest margin4.5223%613
Noninterest income to average assets0.2661%5,049
Noninterest expense to average assets3.4489%1,381
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.6343%4,200
Return on assets (ROA)0.7070%3,979
Pretax return on assets1.0359%3,435
Return on Equity (ROE)4.9255%4,650
Retained earnings to average equity (ytd only)1.9822%4,709
Net charge-offs to loans-0.1707%5,977
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.1686%2,042
Assets per employee ($millions)5.1185%2,126
Cash dividends to net income (ytd only)*59.7561%1,542
Condition Ratios (%)
Loss allowance to loans2.7367%354
Loan loss allowance to noncurrent loans423.2589%1,203
Noncurrent assets plus other real estate owned to assets0.4505%4,127
Noncurrent loans to loans0.6466%3,540
Net loans and leases to total assets67.7744%2,679
Net loans and leases to deposits85.9521%2,061
Net loans and leases to core deposits93.2770%2,028
Total domestic deposits to total assets78.8513%5,125
Equity capital to assets13.7559%1,073
Core capital (leverage) ratio14.1383%802
Tier 1 risk-based capital ratio15.3039%3,199
Total risk-based capital ratio16.5653%3,130
Memoranda:
Average total assets$162,372,6703,463
Average earning assets$148,863,6703,473
Average equity$23,307,3302,885
Average total loans$114,853,6703,170
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1607%435
Cost of funding earning assets0.5575%1,775
Net interest margin4.6032%493
Noninterest income to average assets0.2690%5,026
Noninterest expense to average assets3.5298%1,246
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.5808%4,356
Return on assets (ROA)0.7316%3,772
Pretax return on assets1.0836%3,143
Return on Equity (ROE)4.9864%4,536
Retained earnings to average equity (ytd only)-0.8910%5,534
Net charge-offs to loans-0.2186%6,073
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0986%2,018
Assets per employee ($millions)4.9910%2,369
Cash dividends to net income (ytd only)*117.8694%538
Condition Ratios (%)
Loss allowance to loans2.8196%361
Loan loss allowance to noncurrent loans188.0165%2,338
Noncurrent assets plus other real estate owned to assets1.0285%2,564
Noncurrent loans to loans1.4997%1,884
Net loans and leases to total assets66.6497%2,661
Net loans and leases to deposits82.6991%2,247
Net loans and leases to core deposits89.5727%2,171
Total domestic deposits to total assets80.5929%4,919
Equity capital to assets14.1637%930
Core capital (leverage) ratio14.5570%676
Tier 1 risk-based capital ratio15.8582%2,986
Total risk-based capital ratio17.1203%2,924
Memoranda:
Average total assets$159,104,5003,520
Average earning assets$144,941,5003,551
Average equity$23,343,5002,895
Average total loans$113,431,5003,210
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5002%312
Cost of funding earning assets0.6399%1,476
Net interest margin4.8603%386
Noninterest income to average assets0.2599%5,270
Noninterest expense to average assets3.4775%1,534
Loan and lease loss provision to assets0.0899%2,670
Net operating income to assets0.6098%4,321
Return on assets (ROA)0.6327%4,326
Pretax return on assets0.9509%3,687
Return on Equity (ROE)4.5622%4,857
Retained earnings to average equity (ytd only)3.0370%4,079
Net charge-offs to loans0.2712%1,589
Credit loss provision to net charge-offs48.4950%3,513
Earnings coverage of net charge-offs (x)5.4883%3,411
Efficiency ratio77.3561%2,303
Assets per employee ($millions)5.1258%2,160
Cash dividends to net income (ytd only)*33.4314%3,206
Condition Ratios (%)
Loss allowance to loans2.7409%405
Loan loss allowance to noncurrent loans130.4639%3,116
Noncurrent assets plus other real estate owned to assets1.5562%1,737
Noncurrent loans to loans2.1009%1,297
Net loans and leases to total assets72.0421%1,906
Net loans and leases to deposits87.4834%1,791
Net loans and leases to core deposits87.4834%2,553
Total domestic deposits to total assets82.3494%4,294
Equity capital to assets15.1924%672
Core capital (leverage) ratio14.9524%619
Tier 1 risk-based capital ratio17.0772%2,482
Total risk-based capital ratio18.3407%2,431
Memoranda:
Average total assets$161,208,2003,473
Average earning assets$140,485,4003,597
Average equity$22,357,4002,912
Average total loans$110,240,2003,211
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2760%454
Cost of funding earning assets0.6605%1,388
Net interest margin4.6156%596
Noninterest income to average assets0.2167%5,635
Noninterest expense to average assets3.4635%1,544
Loan and lease loss provision to assets0.1186%2,090
Net operating income to assets0.4546%5,060
Return on assets (ROA)0.4849%4,997
Pretax return on assets0.6418%4,901
Return on Equity (ROE)3.5766%5,342
Retained earnings to average equity (ytd only)1.5199%5,288
Net charge-offs to loans0.2476%1,558
Credit loss provision to net charge-offs71.4286%2,745
Earnings coverage of net charge-offs (x)4.3990%3,471
Efficiency ratio82.5892%1,540
Assets per employee ($millions)5.1186%2,117
Cash dividends to net income (ytd only)*57.5046%1,494
Condition Ratios (%)
Loss allowance to loans2.8857%401
Loan loss allowance to noncurrent loans104.9592%3,550
Noncurrent assets plus other real estate owned to assets1.9960%1,443
Noncurrent loans to loans2.7494%1,022
Net loans and leases to total assets70.5035%2,110
Net loans and leases to deposits84.9102%2,046
Net loans and leases to core deposits92.8762%1,966
Total domestic deposits to total assets83.0330%4,133
Equity capital to assets14.7372%793
Core capital (leverage) ratio14.5943%703
Tier 1 risk-based capital ratio16.6656%2,741
Total risk-based capital ratio17.9300%2,694
Memoranda:
Average total assets$163,066,7503,471
Average earning assets$140,506,0003,622
Average equity$22,106,2502,945
Average total loans$109,324,2503,256
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2338%478
Cost of funding earning assets0.6849%1,272
Net interest margin4.5489%639
Noninterest income to average assets0.2334%5,528
Noninterest expense to average assets3.5167%1,445
Loan and lease loss provision to assets0.0541%3,220
Net operating income to assets0.4115%5,175
Return on assets (ROA)0.4295%5,188
Pretax return on assets0.5558%5,110
Return on Equity (ROE)3.2556%5,441
Retained earnings to average equity (ytd only)0.1459%5,643
Net charge-offs to loans0.1952%1,857
Credit loss provision to net charge-offs42.4528%2,890
Earnings coverage of net charge-offs (x)4.6415%3,071
Efficiency ratio85.5930%1,308
Assets per employee ($millions)4.9589%2,271
Cash dividends to net income (ytd only)*95.5182%588
Condition Ratios (%)
Loss allowance to loans2.9519%403
Loan loss allowance to noncurrent loans114.4535%3,334
Noncurrent assets plus other real estate owned to assets2.2989%1,300
Noncurrent loans to loans2.5791%1,196
Net loans and leases to total assets66.6081%2,654
Net loans and leases to deposits79.6763%2,561
Net loans and leases to core deposits87.2145%2,392
Total domestic deposits to total assets83.5983%4,076
Equity capital to assets14.0977%933
Core capital (leverage) ratio13.5509%963
Tier 1 risk-based capital ratio16.0678%3,051
Total risk-based capital ratio17.3235%2,990
Memoranda:
Average total assets$166,236,6703,434
Average earning assets$141,617,3303,625
Average equity$21,931,6702,954
Average total loans$108,605,6703,275
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1330%559
Cost of funding earning assets0.6972%1,262
Net interest margin4.4358%747
Noninterest income to average assets0.2212%5,585
Noninterest expense to average assets3.3950%1,712
Loan and lease loss provision to assets0.1059%2,157
Net operating income to assets0.3623%5,265
Return on assets (ROA)0.4094%5,147
Pretax return on assets0.5247%5,098
Return on Equity (ROE)3.2056%5,386
Retained earnings to average equity (ytd only)-3.0766%5,969
Net charge-offs to loans-0.0074%4,933
Credit loss provision to net charge-offs-2,250.0000%5,490
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3341%1,510
Assets per employee ($millions)5.2401%1,970
Cash dividends to net income (ytd only)*195.9770%266
Condition Ratios (%)
Loss allowance to loans3.1183%385
Loan loss allowance to noncurrent loans72.2863%4,429
Noncurrent assets plus other real estate owned to assets3.8030%655
Noncurrent loans to loans4.3138%593
Net loans and leases to total assets61.5688%3,302
Net loans and leases to deposits72.6538%3,254
Net loans and leases to core deposits79.6600%3,015
Total domestic deposits to total assets84.7427%3,977
Equity capital to assets13.1426%1,236
Core capital (leverage) ratio12.9981%1,164
Tier 1 risk-based capital ratio16.1277%3,100
Total risk-based capital ratio17.3760%3,067
Memoranda:
Average total assets$170,012,5003,409
Average earning assets$144,010,5003,619
Average equity$21,712,0002,972
Average total loans$108,452,5003,294
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2310%596
Cost of funding earning assets0.8544%939
Net interest margin4.3766%949
Noninterest income to average assets0.2091%5,832
Noninterest expense to average assets3.2251%2,343
Loan and lease loss provision to assets-0.3060%6,678
Net operating income to assets0.6036%4,243
Return on assets (ROA)0.6036%4,362
Pretax return on assets0.8969%3,777
Return on Equity (ROE)4.7814%4,730
Retained earnings to average equity (ytd only)3.2164%3,940
Net charge-offs to loans0.0073%5,313
Credit loss provision to net charge-offs-6,312.5000%6,386
Earnings coverage of net charge-offs (x)121.8750%387
Efficiency ratio84.5164%1,575
Assets per employee ($millions)5.2225%1,936
Cash dividends to net income (ytd only)*32.7309%3,161
Condition Ratios (%)
Loss allowance to loans2.9690%491
Loan loss allowance to noncurrent loans51.9670%5,177
Noncurrent assets plus other real estate owned to assets4.0205%658
Noncurrent loans to loans5.7132%380
Net loans and leases to total assets62.1239%3,339
Net loans and leases to deposits72.5732%3,448
Net loans and leases to core deposits79.4257%3,193
Total domestic deposits to total assets85.6018%3,456
Equity capital to assets12.4091%1,561
Core capital (leverage) ratio12.4196%1,396
Tier 1 risk-based capital ratio15.8949%3,149
Total risk-based capital ratio17.1587%3,098
Memoranda:
Average total assets$165,017,6003,488
Average earning assets$135,996,2003,720
Average equity$20,830,8003,067
Average total loans$110,257,4003,241
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2860%545
Cost of funding earning assets0.8763%922
Net interest margin4.4097%873
Noninterest income to average assets0.2092%5,923
Noninterest expense to average assets3.3164%2,033
Loan and lease loss provision to assets0.1226%2,759
Net operating income to assets0.2729%5,694
Return on assets (ROA)0.2729%5,804
Pretax return on assets0.3799%5,682
Return on Equity (ROE)2.1521%5,891
Retained earnings to average equity (ytd only)0.0516%5,917
Net charge-offs to loans0.0133%4,869
Credit loss provision to net charge-offs1,363.6364%235
Earnings coverage of net charge-offs (x)55.8950%800
Efficiency ratio86.8421%1,281
Assets per employee ($millions)5.0706%2,085
Cash dividends to net income (ytd only)*97.6062%442
Condition Ratios (%)
Loss allowance to loans3.6606%293
Loan loss allowance to noncurrent loans53.6979%5,070
Noncurrent assets plus other real estate owned to assets4.4740%680
Noncurrent loans to loans6.8170%313
Net loans and leases to total assets58.2510%3,973
Net loans and leases to deposits67.3016%4,140
Net loans and leases to core deposits73.6284%3,894
Total domestic deposits to total assets86.5521%2,932
Equity capital to assets11.6273%2,191
Core capital (leverage) ratio11.9910%1,676
Tier 1 risk-based capital ratio15.8875%3,258
Total risk-based capital ratio17.1588%3,193
Memoranda:
Average total assets$163,186,7503,549
Average earning assets$133,582,0003,802
Average equity$20,692,0003,114
Average total loans$110,236,5003,261
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3144%510
Cost of funding earning assets0.8316%1,251
Net interest margin4.4829%727
Noninterest income to average assets0.2083%5,955
Noninterest expense to average assets3.3113%2,042
Loan and lease loss provision to assets0.1894%1,996
Net operating income to assets0.3434%5,429
Return on assets (ROA)0.3434%5,600
Pretax return on assets0.4507%5,517
Return on Equity (ROE)2.6266%5,746
Retained earnings to average equity (ytd only)-0.5215%5,963
Net charge-offs to loans0.0126%4,612
Credit loss provision to net charge-offs2,142.8571%153
Earnings coverage of net charge-offs (x)72.4286%618
Efficiency ratio83.8019%1,654
Assets per employee ($millions)4.9339%2,182
Cash dividends to net income (ytd only)*119.8529%344
Condition Ratios (%)
Loss allowance to loans3.5537%354
Loan loss allowance to noncurrent loans58.8007%4,846
Noncurrent assets plus other real estate owned to assets4.3588%762
Noncurrent loans to loans6.0437%464
Net loans and leases to total assets63.6132%2,983
Net loans and leases to deposits73.9870%3,159
Net loans and leases to core deposits81.1105%2,901
Total domestic deposits to total assets85.9788%3,379
Equity capital to assets12.2203%1,763
Core capital (leverage) ratio13.0276%1,150
Tier 1 risk-based capital ratio15.7229%3,351
Total risk-based capital ratio16.9933%3,289
Memoranda:
Average total assets$158,425,6703,644
Average earning assets$132,281,0003,858
Average equity$20,711,0003,126
Average total loans$111,213,3303,245
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4921%374
Cost of funding earning assets0.8262%1,388
Net interest margin4.6659%504
Noninterest income to average assets0.2237%5,876
Noninterest expense to average assets3.4521%1,718
Loan and lease loss provision to assets0.1951%1,896
Net operating income to assets0.4188%5,051
Return on assets (ROA)0.4188%5,205
Pretax return on assets0.5723%5,043
Return on Equity (ROE)3.0937%5,550
Retained earnings to average equity (ytd only)-3.1706%6,204
Net charge-offs to loans-0.0036%5,216
Credit loss provision to net charge-offs-7,500.0000%5,918
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8126%2,063
Assets per employee ($millions)5.6496%1,542
Cash dividends to net income (ytd only)*202.4845%214
Condition Ratios (%)
Loss allowance to loans3.5211%409
Loan loss allowance to noncurrent loans57.5491%4,833
Noncurrent assets plus other real estate owned to assets4.8126%768
Noncurrent loans to loans6.1184%538
Net loans and leases to total assets69.4273%1,766
Net loans and leases to deposits82.3494%1,780
Net loans and leases to core deposits90.7030%1,639
Total domestic deposits to total assets84.3082%4,349
Equity capital to assets13.5802%1,184
Core capital (leverage) ratio13.3788%982
Tier 1 risk-based capital ratio16.1062%3,202
Total risk-based capital ratio17.3794%3,151
Memoranda:
Average total assets$153,762,0003,748
Average earning assets$131,679,5003,907
Average equity$20,816,5003,157
Average total loans$111,497,5003,261
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5238%595
Cost of funding earning assets0.9597%1,587
Net interest margin4.5641%839
Noninterest income to average assets0.1373%6,351
Noninterest expense to average assets3.2044%2,593
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.6834%3,816
Return on assets (ROA)0.6834%4,082
Pretax return on assets1.0334%3,418
Return on Equity (ROE)5.3040%4,533
Retained earnings to average equity (ytd only)4.0945%3,331
Net charge-offs to loans0.1049%4,620
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)13.0484%1,869
Efficiency ratio75.6142%2,812
Assets per employee ($millions)5.7402%1,486
Cash dividends to net income (ytd only)*22.8037%3,649
Condition Ratios (%)
Loss allowance to loans3.3464%492
Loan loss allowance to noncurrent loans66.9316%4,379
Noncurrent assets plus other real estate owned to assets3.8139%1,150
Noncurrent loans to loans4.9997%798
Net loans and leases to total assets70.6115%1,726
Net loans and leases to deposits84.1993%1,731
Net loans and leases to core deposits92.4229%1,600
Total domestic deposits to total assets83.8624%4,380
Equity capital to assets13.4967%1,233
Core capital (leverage) ratio13.2408%1,035
Tier 1 risk-based capital ratio15.9610%3,182
Total risk-based capital ratio17.2319%3,125
Memoranda:
Average total assets$156,568,0003,674
Average earning assets$140,664,0003,715
Average equity$20,173,6003,186
Average total loans$118,257,6003,118
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4452%757
Cost of funding earning assets0.9939%1,599
Net interest margin4.4513%1,087
Noninterest income to average assets0.1436%6,426
Noninterest expense to average assets3.2788%2,329
Loan and lease loss provision to assets0.4460%1,410
Net operating income to assets0.3457%5,448
Return on assets (ROA)0.3457%5,653
Pretax return on assets0.4553%5,582
Return on Equity (ROE)2.7149%5,787
Retained earnings to average equity (ytd only)1.0873%5,734
Net charge-offs to loans0.1116%4,273
Credit loss provision to net charge-offs525.0000%516
Earnings coverage of net charge-offs (x)10.6100%2,171
Efficiency ratio78.4393%2,331
Assets per employee ($millions)5.9802%1,261
Cash dividends to net income (ytd only)*59.9521%1,273
Condition Ratios (%)
Loss allowance to loans3.7157%389
Loan loss allowance to noncurrent loans52.7609%4,985
Noncurrent assets plus other real estate owned to assets5.4809%780
Noncurrent loans to loans7.0425%516
Net loans and leases to total assets72.2959%1,502
Net loans and leases to deposits85.6014%1,650
Net loans and leases to core deposits94.0150%1,587
Total domestic deposits to total assets84.4565%4,000
Equity capital to assets13.0185%1,586
Core capital (leverage) ratio12.7482%1,296
Tier 1 risk-based capital ratio15.3114%3,640
Total risk-based capital ratio16.5869%3,583
Memoranda:
Average total assets$156,963,5003,704
Average earning assets$142,336,0003,729
Average equity$19,987,5003,237
Average total loans$119,515,2503,121
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4521%796
Cost of funding earning assets1.0213%1,641
Net interest margin4.4308%1,126
Noninterest income to average assets0.1067%6,641
Noninterest expense to average assets3.1475%2,756
Loan and lease loss provision to assets0.5716%1,063
Net operating income to assets0.3353%5,481
Return on assets (ROA)0.3353%5,698
Pretax return on assets0.4433%5,589
Return on Equity (ROE)2.6529%5,824
Retained earnings to average equity (ytd only)0.2010%5,977
Net charge-offs to loans0.0648%4,529
Credit loss provision to net charge-offs1,153.8462%285
Earnings coverage of net charge-offs (x)20.4872%1,384
Efficiency ratio75.6179%2,804
Assets per employee ($millions)5.2494%1,869
Cash dividends to net income (ytd only)*92.4242%552
Condition Ratios (%)
Loss allowance to loans3.6894%429
Loan loss allowance to noncurrent loans45.8245%5,339
Noncurrent assets plus other real estate owned to assets6.1823%680
Noncurrent loans to loans8.0511%428
Net loans and leases to total assets71.6768%1,609
Net loans and leases to deposits85.2334%1,697
Net loans and leases to core deposits93.8679%1,618
Total domestic deposits to total assets84.0947%4,279
Equity capital to assets12.6859%1,695
Core capital (leverage) ratio12.4953%1,354
Tier 1 risk-based capital ratio14.9390%3,808
Total risk-based capital ratio16.2140%3,740
Memoranda:
Average total assets$157,456,0003,709
Average earning assets$144,128,3303,712
Average equity$19,902,6703,236
Average total loans$120,437,6703,122
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5892%640
Cost of funding earning assets1.0431%1,724
Net interest margin4.5461%929
Noninterest income to average assets0.0279%7,024
Noninterest expense to average assets3.1554%2,744
Loan and lease loss provision to assets0.5716%1,011
Net operating income to assets0.3430%5,500
Return on assets (ROA)0.3430%5,677
Pretax return on assets0.4751%5,504
Return on Equity (ROE)2.7183%5,825
Retained earnings to average equity (ytd only)-2.1948%6,307
Net charge-offs to loans0.0098%4,586
Credit loss provision to net charge-offs7,500.0000%27
Earnings coverage of net charge-offs (x)137.3333%262
Efficiency ratio75.0907%2,921
Assets per employee ($millions)5.4580%1,733
Cash dividends to net income (ytd only)*180.7407%201
Condition Ratios (%)
Loss allowance to loans3.4724%547
Loan loss allowance to noncurrent loans56.9227%4,686
Noncurrent assets plus other real estate owned to assets4.7934%1,097
Noncurrent loans to loans6.1001%820
Net loans and leases to total assets72.6404%1,287
Net loans and leases to deposits86.3125%1,383
Net loans and leases to core deposits94.9720%1,376
Total domestic deposits to total assets84.1598%4,418
Equity capital to assets12.4911%1,729
Core capital (leverage) ratio12.4916%1,346
Tier 1 risk-based capital ratio14.6860%3,962
Total risk-based capital ratio15.9587%3,909
Memoranda:
Average total assets$157,443,0003,735
Average earning assets$144,564,5003,730
Average equity$19,865,0003,241
Average total loans$122,055,5003,105
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9174%500
Cost of funding earning assets1.1949%2,067
Net interest margin4.7225%717
Noninterest income to average assets0.3728%4,844
Noninterest expense to average assets3.2417%2,718
Loan and lease loss provision to assets0.6107%1,693
Net operating income to assets0.5083%4,380
Return on assets (ROA)0.5425%4,453
Pretax return on assets0.8363%3,842
Return on Equity (ROE)4.3824%4,687
Retained earnings to average equity (ytd only)4.3824%3,058
Net charge-offs to loans0.1618%4,852
Credit loss provision to net charge-offs463.4146%485
Earnings coverage of net charge-offs (x)10.5805%1,819
Efficiency ratio69.9251%3,977
Assets per employee ($millions)5.5930%1,545
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.1304%726
Loan loss allowance to noncurrent loans54.3246%4,793
Noncurrent assets plus other real estate owned to assets4.8044%1,126
Noncurrent loans to loans5.7624%888
Net loans and leases to total assets77.3194%792
Net loans and leases to deposits93.5475%845
Net loans and leases to core deposits103.2021%953
Total domestic deposits to total assets82.6525%4,899
Equity capital to assets12.7448%1,630
Core capital (leverage) ratio12.7906%1,227
Tier 1 risk-based capital ratio14.4060%4,040
Total risk-based capital ratio15.6759%4,000
Memoranda:
Average total assets$155,565,8003,710
Average earning assets$140,434,4003,737
Average equity$19,258,8003,246
Average total loans$126,738,6003,047
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0441%422
Cost of funding earning assets1.2143%2,232
Net interest margin4.8297%590
Noninterest income to average assets0.4026%4,645
Noninterest expense to average assets3.2906%2,528
Loan and lease loss provision to assets0.6224%1,577
Net operating income to assets0.5339%4,387
Return on assets (ROA)0.5795%4,362
Pretax return on assets0.9006%3,765
Return on Equity (ROE)4.7159%4,655
Retained earnings to average equity (ytd only)4.7159%3,366
Net charge-offs to loans0.1992%4,205
Credit loss provision to net charge-offs381.5789%743
Earnings coverage of net charge-offs (x)8.8999%2,113
Efficiency ratio69.3881%4,062
Assets per employee ($millions)5.5312%1,572
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.9186%918
Loan loss allowance to noncurrent loans55.0223%4,708
Noncurrent assets plus other real estate owned to assets4.5528%1,310
Noncurrent loans to loans5.3043%1,146
Net loans and leases to total assets79.5329%558
Net loans and leases to deposits96.1133%690
Net loans and leases to core deposits106.8124%824
Total domestic deposits to total assets82.7491%4,778
Equity capital to assets12.7588%1,752
Core capital (leverage) ratio12.9583%1,242
Tier 1 risk-based capital ratio14.1416%4,242
Total risk-based capital ratio15.4155%4,194
Memoranda:
Average total assets$155,306,0003,736
Average earning assets$139,549,7503,775
Average equity$19,083,7503,271
Average total loans$127,173,5003,058
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1762%343
Cost of funding earning assets1.2300%2,381
Net interest margin4.9462%437
Noninterest income to average assets0.3255%5,287
Noninterest expense to average assets3.3400%2,430
Loan and lease loss provision to assets0.5790%1,673
Net operating income to assets0.5218%4,408
Return on assets (ROA)0.5597%4,388
Pretax return on assets0.8787%3,716
Return on Equity (ROE)4.6133%4,639
Retained earnings to average equity (ytd only)4.6133%3,250
Net charge-offs to loans0.3017%3,359
Credit loss provision to net charge-offs234.3750%1,284
Earnings coverage of net charge-offs (x)5.6615%2,563
Efficiency ratio70.4860%4,024
Assets per employee ($millions)5.7812%1,318
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.6906%1,189
Loan loss allowance to noncurrent loans82.6139%3,417
Noncurrent assets plus other real estate owned to assets4.3656%1,449
Noncurrent loans to loans3.2569%2,192
Net loans and leases to total assets82.4323%343
Net loans and leases to deposits101.2362%440
Net loans and leases to core deposits111.6494%662
Total domestic deposits to total assets81.4257%5,380
Equity capital to assets12.9512%1,538
Core capital (leverage) ratio12.8847%1,205
Tier 1 risk-based capital ratio13.7984%4,307
Total risk-based capital ratio15.0701%4,265
Memoranda:
Average total assets$155,450,3303,758
Average earning assets$138,693,6703,809
Average equity$18,858,3303,283
Average total loans$127,272,0003,088
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1466%367
Cost of funding earning assets1.2402%2,568
Net interest margin4.9065%454
Noninterest income to average assets0.3822%4,856
Noninterest expense to average assets3.2553%2,691
Loan and lease loss provision to assets0.5695%1,515
Net operating income to assets0.5797%4,138
Return on assets (ROA)0.5797%4,206
Pretax return on assets0.9037%3,479
Return on Equity (ROE)4.9369%4,441
Retained earnings to average equity (ytd only)4.9369%3,234
Net charge-offs to loans0.1415%3,655
Credit loss provision to net charge-offs500.0000%713
Earnings coverage of net charge-offs (x)12.9333%1,472
Efficiency ratio68.8437%4,503
Assets per employee ($millions)5.9925%1,193
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.6548%1,253
Loan loss allowance to noncurrent loans152.3203%1,936
Noncurrent assets plus other real estate owned to assets4.7379%1,343
Noncurrent loans to loans1.7429%3,898
Net loans and leases to total assets78.7922%642
Net loans and leases to deposits95.5168%725
Net loans and leases to core deposits104.3406%1,041
Total domestic deposits to total assets82.4904%5,110
Equity capital to assets12.1497%1,831
Core capital (leverage) ratio12.1310%1,489
Tier 1 risk-based capital ratio13.2232%4,646
Total risk-based capital ratio14.4935%4,603
Memoranda:
Average total assets$158,020,5003,738
Average earning assets$139,979,0003,820
Average equity$18,554,0003,315
Average total loans$127,243,0003,117
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3271%439
Cost of funding earning assets1.4054%3,228
Net interest margin4.9217%514
Noninterest income to average assets0.4073%4,848
Noninterest expense to average assets3.0846%3,527
Loan and lease loss provision to assets0.8588%1,897
Net operating income to assets0.5969%3,683
Return on assets (ROA)0.6231%3,734
Pretax return on assets1.0174%2,873
Return on Equity (ROE)6.5220%3,333
Retained earnings to average equity (ytd only)4.9338%2,452
Net charge-offs to loans0.1636%5,353
Credit loss provision to net charge-offs636.4055%332
Earnings coverage of net charge-offs (x)13.5991%1,398
Efficiency ratio62.6975%5,584
Assets per employee ($millions)6.1629%1,105
Cash dividends to net income (ytd only)*24.3513%3,290
Condition Ratios (%)
Loss allowance to loans2.4678%1,445
Loan loss allowance to noncurrent loans889.8876%403
Noncurrent assets plus other real estate owned to assets5.1930%1,209
Noncurrent loans to loans0.2773%6,506
Net loans and leases to total assets78.1396%924
Net loans and leases to deposits93.7831%1,080
Net loans and leases to core deposits106.0537%1,185
Total domestic deposits to total assets83.3195%4,673
Equity capital to assets11.3446%2,377
Core capital (leverage) ratio11.3164%1,948
Tier 1 risk-based capital ratio12.2485%5,259
Total risk-based capital ratio13.5152%5,208
Memoranda:
Average total assets$160,797,0003,680
Average earning assets$147,428,6003,673
Average equity$15,363,4003,878
Average total loans$132,657,2003,074
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4403%382
Cost of funding earning assets1.4158%3,488
Net interest margin5.0245%414
Noninterest income to average assets0.2949%5,773
Noninterest expense to average assets3.1614%3,062
Loan and lease loss provision to assets0.7663%1,997
Net operating income to assets0.5946%3,895
Return on assets (ROA)0.6296%3,919
Pretax return on assets1.0762%2,908
Return on Equity (ROE)6.9122%3,386
Retained earnings to average equity (ytd only)4.6930%3,201
Net charge-offs to loans0.2074%4,700
Credit loss provision to net charge-offs444.7115%678
Earnings coverage of net charge-offs (x)10.3749%1,891
Efficiency ratio63.8768%5,262
Assets per employee ($millions)6.0922%1,180
Cash dividends to net income (ytd only)*32.1057%2,448
Condition Ratios (%)
Loss allowance to loans2.0204%2,171
Loan loss allowance to noncurrent loans57.0231%4,501
Noncurrent assets plus other real estate owned to assets4.0935%1,691
Noncurrent loans to loans3.5431%2,215
Net loans and leases to total assets83.2761%381
Net loans and leases to deposits97.5715%835
Net loans and leases to core deposits112.7190%895
Total domestic deposits to total assets85.3487%3,436
Equity capital to assets9.4611%4,907
Core capital (leverage) ratio9.1987%4,373
Tier 1 risk-based capital ratio10.0288%7,053
Total risk-based capital ratio11.2922%7,030
Memoranda:
Average total assets$160,937,5003,740
Average earning assets$149,078,7503,702
Average equity$14,659,7504,063
Average total loans$133,727,7503,102
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6215%280
Cost of funding earning assets1.4276%3,695
Net interest margin5.1939%286
Noninterest income to average assets0.2571%6,075
Noninterest expense to average assets3.1029%3,306
Loan and lease loss provision to assets0.7726%1,862
Net operating income to assets0.6972%3,419
Return on assets (ROA)0.6972%3,574
Pretax return on assets1.1942%2,438
Return on Equity (ROE)7.7520%2,987
Retained earnings to average equity (ytd only)4.3983%3,278
Net charge-offs to loans0.0914%5,220
Credit loss provision to net charge-offs1,024.5902%364
Earnings coverage of net charge-offs (x)26.0820%1,012
Efficiency ratio61.2046%5,820
Assets per employee ($millions)6.0328%1,202
Cash dividends to net income (ytd only)*43.2624%1,935
Condition Ratios (%)
Loss allowance to loans1.9220%2,366
Loan loss allowance to noncurrent loans117.3675%2,384
Noncurrent assets plus other real estate owned to assets2.0640%3,430
Noncurrent loans to loans1.6376%4,254
Net loans and leases to total assets80.4507%733
Net loans and leases to deposits95.6595%1,079
Net loans and leases to core deposits117.1093%803
Total domestic deposits to total assets84.1012%4,070
Equity capital to assets9.1272%5,256
Core capital (leverage) ratio9.1674%4,350
Tier 1 risk-based capital ratio10.0059%7,024
Total risk-based capital ratio11.2641%6,997
Memoranda:
Average total assets$161,784,6703,748
Average earning assets$149,906,3303,708
Average equity$14,551,0004,077
Average total loans$133,428,3303,141
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0844%806
Cost of funding earning assets1.5004%3,552
Net interest margin4.5840%983
Noninterest income to average assets0.1836%6,642
Noninterest expense to average assets3.0217%3,595
Loan and lease loss provision to assets0.4962%2,519
Net operating income to assets0.5408%4,177
Return on assets (ROA)0.5408%4,315
Pretax return on assets0.9254%3,367
Return on Equity (ROE)6.0585%3,852
Retained earnings to average equity (ytd only)-0.7226%5,999
Net charge-offs to loans0.0060%5,527
Credit loss provision to net charge-offs10,000.0000%42
Earnings coverage of net charge-offs (x)286.5000%113
Efficiency ratio68.0067%4,721
Assets per employee ($millions)5.6603%1,534
Cash dividends to net income (ytd only)*111.9266%482
Condition Ratios (%)
Loss allowance to loans1.6506%3,248
Loan loss allowance to noncurrent loans97.1756%2,856
Noncurrent assets plus other real estate owned to assets3.8106%1,824
Noncurrent loans to loans1.6986%4,196
Net loans and leases to total assets79.9274%852
Net loans and leases to deposits95.6463%1,154
Net loans and leases to core deposits120.6104%763
Total domestic deposits to total assets83.5655%4,355
Equity capital to assets8.8267%5,496
Core capital (leverage) ratio8.7434%4,947
Tier 1 risk-based capital ratio9.7427%7,184
Total risk-based capital ratio11.0023%7,179
Memoranda:
Average total assets$161,234,0003,818
Average earning assets$149,825,5003,758
Average equity$14,393,0004,148
Average total loans$133,337,0003,199
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3549%925
Cost of funding earning assets1.9697%3,103
Net interest margin4.3851%1,478
Noninterest income to average assets0.2425%6,362
Noninterest expense to average assets3.0892%3,791
Loan and lease loss provision to assets0.4477%4,142
Net operating income to assets0.4947%3,748
Return on assets (ROA)0.5633%3,551
Pretax return on assets0.9535%2,747
Return on Equity (ROE)6.4433%3,019
Retained earnings to average equity (ytd only)5.2174%1,708
Net charge-offs to loans0.0092%7,102
Credit loss provision to net charge-offs5,708.3333%66
Earnings coverage of net charge-offs (x)165.0000%176
Efficiency ratio70.4786%4,527
Assets per employee ($millions)5.2773%1,858
Cash dividends to net income (ytd only)*19.0255%3,688
Condition Ratios (%)
Loss allowance to loans1.5037%3,707
Loan loss allowance to noncurrent loans60.1260%4,385
Noncurrent assets plus other real estate owned to assets4.3463%1,503
Noncurrent loans to loans2.5009%3,040
Net loans and leases to total assets82.9136%557
Net loans and leases to deposits96.8653%1,224
Net loans and leases to core deposits143.2025%700
Total domestic deposits to total assets85.5968%3,229
Equity capital to assets9.0305%5,094
Core capital (leverage) ratio8.8687%4,644
Tier 1 risk-based capital ratio9.4513%7,259
Total risk-based capital ratio10.7057%7,233
Memoranda:
Average total assets$153,016,6003,912
Average earning assets$144,488,0003,806
Average equity$13,378,2004,410
Average total loans$130,894,2003,254
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2786%1,180
Cost of funding earning assets2.0449%3,142
Net interest margin4.2337%1,931
Noninterest income to average assets0.2505%6,447
Noninterest expense to average assets3.0640%3,787
Loan and lease loss provision to assets0.3428%4,272
Net operating income to assets0.5127%3,927
Return on assets (ROA)0.5977%3,665
Pretax return on assets0.9853%2,952
Return on Equity (ROE)6.8954%3,118
Retained earnings to average equity (ytd only)5.2324%2,352
Net charge-offs to loans0.0153%6,706
Credit loss provision to net charge-offs2,600.0000%155
Earnings coverage of net charge-offs (x)90.6645%390
Efficiency ratio71.9356%4,253
Assets per employee ($millions)5.5753%1,541
Cash dividends to net income (ytd only)*24.1176%3,089
Condition Ratios (%)
Loss allowance to loans1.2575%4,774
Loan loss allowance to noncurrent loans22.1386%6,970
Noncurrent assets plus other real estate owned to assets4.7661%1,246
Noncurrent loans to loans5.6801%1,086
Net loans and leases to total assets82.8541%688
Net loans and leases to deposits97.5525%1,374
Net loans and leases to core deposits145.1475%720
Total domestic deposits to total assets84.9329%3,272
Equity capital to assets8.7975%5,799
Core capital (leverage) ratio9.0253%4,610
Tier 1 risk-based capital ratio9.3634%7,455
Total risk-based capital ratio10.5036%7,503
Memoranda:
Average total assets$151,691,0003,952
Average earning assets$143,637,5003,848
Average equity$13,148,5004,500
Average total loans$130,299,7503,300
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4703%875
Cost of funding earning assets2.2274%2,676
Net interest margin4.2429%1,842
Noninterest income to average assets0.2157%6,759
Noninterest expense to average assets3.1154%3,641
Loan and lease loss provision to assets0.2427%4,638
Net operating income to assets0.5060%4,066
Return on assets (ROA)0.6363%3,636
Pretax return on assets1.0569%2,789
Return on Equity (ROE)7.3808%3,033
Retained earnings to average equity (ytd only)4.8163%2,629
Net charge-offs to loans0.0218%6,196
Credit loss provision to net charge-offs1,285.7143%385
Earnings coverage of net charge-offs (x)58.0714%613
Efficiency ratio73.9757%4,032
Assets per employee ($millions)4.7557%2,391
Cash dividends to net income (ytd only)*34.7458%2,659
Condition Ratios (%)
Loss allowance to loans1.1243%5,427
Loan loss allowance to noncurrent loans211.7397%1,431
Noncurrent assets plus other real estate owned to assets0.4646%6,284
Noncurrent loans to loans0.5310%6,207
Net loans and leases to total assets86.5076%329
Net loans and leases to deposits100.4908%1,238
Net loans and leases to core deposits147.6713%712
Total domestic deposits to total assets86.0851%2,741
Equity capital to assets8.9446%5,393
Core capital (leverage) ratio9.1319%4,413
Tier 1 risk-based capital ratio9.4730%7,411
Total risk-based capital ratio10.5229%7,546
Memoranda:
Average total assets$148,360,3304,024
Average earning assets$139,714,6703,951
Average equity$12,790,0004,598
Average total loans$128,510,6703,364
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5882%724
Cost of funding earning assets2.4900%1,955
Net interest margin4.0982%2,277
Noninterest income to average assets0.2649%6,329
Noninterest expense to average assets3.0755%3,469
Loan and lease loss provision to assets0.2048%4,403
Net operating income to assets0.4653%4,590
Return on assets (ROA)0.7293%3,625
Pretax return on assets1.2182%2,557
Return on Equity (ROE)8.6275%2,876
Retained earnings to average equity (ytd only)3.3282%4,025
Net charge-offs to loans0.0444%4,857
Credit loss provision to net charge-offs535.7143%1,028
Earnings coverage of net charge-offs (x)26.4286%1,180
Efficiency ratio75.2674%3,606
Assets per employee ($millions)4.7399%2,379
Cash dividends to net income (ytd only)*61.4232%1,461
Condition Ratios (%)
Loss allowance to loans1.0697%5,689
Loan loss allowance to noncurrent loans135.0145%2,365
Noncurrent assets plus other real estate owned to assets0.6797%5,461
Noncurrent loans to loans0.7923%5,458
Net loans and leases to total assets84.8732%566
Net loans and leases to deposits95.6284%2,003
Net loans and leases to core deposits130.8459%1,608
Total domestic deposits to total assets88.7531%1,360
Equity capital to assets8.1996%6,538
Core capital (leverage) ratio8.3927%5,724
Tier 1 risk-based capital ratio8.9987%7,790
Total risk-based capital ratio10.0136%7,955
Memoranda:
Average total assets$146,449,5004,069
Average earning assets$136,548,0004,023
Average equity$12,379,0004,730
Average total loans$126,193,0003,442
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8629%1,508
Cost of funding earning assets2.9192%2,179
Net interest margin3.9437%3,392
Noninterest income to average assets0.3577%5,864
Noninterest expense to average assets3.2380%3,195
Loan and lease loss provision to assets0.1385%5,588
Net operating income to assets0.4554%4,925
Return on assets (ROA)0.4554%4,755
Pretax return on assets0.7716%4,172
Return on Equity (ROE)4.8923%4,436
Retained earnings to average equity (ytd only)3.9915%2,652
Net charge-offs to loans0.0091%6,802
Credit loss provision to net charge-offs1,800.0000%241
Earnings coverage of net charge-offs (x)118.3000%383
Efficiency ratio78.0601%2,910
Assets per employee ($millions)4.1536%3,203
Cash dividends to net income (ytd only)*18.4122%4,494
Condition Ratios (%)
Loss allowance to loans1.0887%5,357
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets85.6310%650
Net loans and leases to deposits99.1538%1,967
Net loans and leases to core deposits123.6240%2,349
Total domestic deposits to total assets86.3618%2,233
Equity capital to assets8.7246%5,773
Core capital (leverage) ratio8.9828%4,770
Tier 1 risk-based capital ratio9.3925%7,414
Total risk-based capital ratio10.4137%7,618
Memoranda:
Average total assets$129,989,0004,286
Average earning assets$124,932,6004,157
Average equity$12,100,6004,807
Average total loans$110,005,4003,677