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Ascendia Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions100.0000%3
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0147%3,093
Cost of funding earning assets2.9396%367
Net interest margin2.0751%4,264
Noninterest income to average assets0.1900%3,621
Noninterest expense to average assets2.3711%2,655
Loan and lease loss provision to assets-0.1600%4,366
Net operating income to assets-0.0468%4,201
Return on assets (ROA)-0.0468%4,224
Pretax return on assets-0.0915%4,243
Return on Equity (ROE)-0.5100%4,212
Retained earnings to average equity (ytd only)-0.5106%3,796
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio111.8522%161
Assets per employee ($millions)10.9466%596
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.5340%4,231
Loan loss allowance to noncurrent loans255.1880%1,834
Noncurrent assets plus other real estate owned to assets0.1687%2,651
Noncurrent loans to loans0.2092%2,752
Net loans and leases to total assets80.2100%575
Net loans and leases to deposits108.3018%187
Net loans and leases to core deposits139.5325%223
Total domestic deposits to total assets74.0700%4,071
Equity capital to assets9.1428%2,839
Core capital (leverage) ratio9.1698%3,608
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2652%1,758
Memoranda:
Average total assets$393,229,0002,094
Average earning assets$365,085,5002,089
Average equity$36,034,5002,186
Average total loans$319,829,5001,802
2024-12-31Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0384%3,032
Cost of funding earning assets3.0283%472
Net interest margin2.0102%4,250
Noninterest income to average assets0.1800%3,818
Noninterest expense to average assets2.3524%2,711
Loan and lease loss provision to assets-0.0700%4,314
Net operating income to assets-0.1524%4,264
Return on assets (ROA)-0.1524%4,285
Pretax return on assets-0.2387%4,294
Return on Equity (ROE)-1.6300%4,270
Retained earnings to average equity (ytd only)-1.6257%4,144
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio114.9753%146
Assets per employee ($millions)10.8994%588
Cash dividends to net income (ytd only)*0.0000%3,369
Condition Ratios (%)
Loss allowance to loans0.5751%4,223
Loan loss allowance to noncurrent loans255.6630%1,889
Noncurrent assets plus other real estate owned to assets0.1845%2,518
Noncurrent loans to loans0.2249%2,614
Net loans and leases to total assets81.5500%490
Net loans and leases to deposits110.6167%170
Net loans and leases to core deposits142.4458%220
Total domestic deposits to total assets73.7300%4,068
Equity capital to assets9.1847%2,682
Core capital (leverage) ratio9.2986%3,420
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0819%1,837
Memoranda:
Average total assets$385,777,0002,084
Average earning assets$357,532,8002,085
Average equity$36,168,2002,131
Average total loans$312,884,6001,812
2024-09-30Rank
Percentage of unprofitable institutions100.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0193%3,002
Cost of funding earning assets3.0098%502
Net interest margin2.0095%4,271
Noninterest income to average assets0.1900%3,746
Noninterest expense to average assets2.4075%2,496
Loan and lease loss provision to assets-0.1000%4,391
Net operating income to assets-0.1656%4,312
Return on assets (ROA)-0.1656%4,334
Pretax return on assets-0.2575%4,346
Return on Equity (ROE)-1.7600%4,313
Retained earnings to average equity (ytd only)-1.7568%4,184
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio117.5195%144
Assets per employee ($millions)9.9260%788
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.5784%4,255
Loan loss allowance to noncurrent loans629.0657%1,040
Noncurrent assets plus other real estate owned to assets0.0747%3,191
Noncurrent loans to loans0.0919%3,236
Net loans and leases to total assets80.7200%544
Net loans and leases to deposits111.7882%159
Net loans and leases to core deposits141.0966%247
Total domestic deposits to total assets72.2100%4,163
Equity capital to assets9.3544%2,783
Core capital (leverage) ratio9.3791%3,389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3690%1,758
Memoranda:
Average total assets$384,126,5002,083
Average earning assets$355,631,2502,086
Average equity$36,200,5002,121
Average total loans$310,642,2501,814
2024-06-30Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9585%3,014
Cost of funding earning assets2.9561%502
Net interest margin2.0024%4,288
Noninterest income to average assets0.1900%3,743
Noninterest expense to average assets2.4665%2,333
Loan and lease loss provision to assets-0.1600%4,450
Net operating income to assets-0.1754%4,338
Return on assets (ROA)-0.1754%4,359
Pretax return on assets-0.2725%4,374
Return on Equity (ROE)-1.8600%4,340
Retained earnings to average equity (ytd only)-1.8565%4,126
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio120.9677%134
Assets per employee ($millions)9.6417%810
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.5785%4,262
Loan loss allowance to noncurrent loans525.5072%1,229
Noncurrent assets plus other real estate owned to assets0.0895%3,034
Noncurrent loans to loans0.1101%3,100
Net loans and leases to total assets80.7900%591
Net loans and leases to deposits110.2507%210
Net loans and leases to core deposits139.8410%266
Total domestic deposits to total assets73.2700%4,112
Equity capital to assets9.4348%2,433
Core capital (leverage) ratio9.4492%3,289
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4944%1,709
Memoranda:
Average total assets$383,130,6672,085
Average earning assets$354,583,3332,079
Average equity$36,196,6672,093
Average total loans$309,418,6671,815
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7242%3,283
Cost of funding earning assets2.8728%531
Net interest margin1.8514%4,368
Noninterest income to average assets0.1900%3,706
Noninterest expense to average assets2.7675%1,536
Loan and lease loss provision to assets-0.0100%4,190
Net operating income to assets-0.6002%4,477
Return on assets (ROA)-0.6002%4,463
Pretax return on assets-0.8610%4,487
Return on Equity (ROE)-6.3500%4,445
Retained earnings to average equity (ytd only)-6.3488%4,186
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio145.6450%65
Assets per employee ($millions)9.7861%781
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.5719%4,268
Loan loss allowance to noncurrent loans926.7016%879
Noncurrent assets plus other real estate owned to assets0.0500%3,336
Noncurrent loans to loans0.0617%3,321
Net loans and leases to total assets80.6300%544
Net loans and leases to deposits110.6341%176
Net loans and leases to core deposits138.0569%298
Total domestic deposits to total assets72.8800%4,189
Equity capital to assets9.4420%2,364
Core capital (leverage) ratio9.5770%3,152
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7951%1,606
Memoranda:
Average total assets$381,861,5002,103
Average earning assets$353,247,5002,095
Average equity$36,101,5002,096
Average total loans$307,440,0001,815
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5937%2,906
Cost of funding earning assets2.1260%736
Net interest margin2.4677%4,123
Noninterest income to average assets0.1600%3,995
Noninterest expense to average assets2.2660%2,939
Loan and lease loss provision to assets0.0400%2,313
Net operating income to assets0.1110%4,245
Return on assets (ROA)0.1110%4,269
Pretax return on assets0.1386%4,250
Return on Equity (ROE)1.1200%4,248
Retained earnings to average equity (ytd only)1.1248%3,805
Net charge-offs to loans0.0007%2,870
Credit loss provision to net charge-offs8,150.0000%67
Earnings coverage of net charge-offs (x)334.5000%403
Efficiency ratio92.5159%350
Assets per employee ($millions)9.5517%814
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.5816%4,265
Loan loss allowance to noncurrent loans3,062.0690%367
Noncurrent assets plus other real estate owned to assets0.0152%3,654
Noncurrent loans to loans0.0190%3,606
Net loans and leases to total assets79.4700%702
Net loans and leases to deposits107.5026%250
Net loans and leases to core deposits132.8270%359
Total domestic deposits to total assets73.9200%4,110
Equity capital to assets9.4662%2,371
Core capital (leverage) ratio9.6013%3,168
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2635%1,458
Memoranda:
Average total assets$364,965,6002,132
Average earning assets$338,853,0002,131
Average equity$36,008,0002,016
Average total loans$292,483,4001,820
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4866%2,943
Cost of funding earning assets1.9203%830
Net interest margin2.5663%4,073
Noninterest income to average assets0.1500%4,067
Noninterest expense to average assets2.2704%2,886
Loan and lease loss provision to assets0.0900%1,295
Net operating income to assets0.1327%4,289
Return on assets (ROA)0.1327%4,308
Pretax return on assets0.1719%4,287
Return on Equity (ROE)1.3300%4,279
Retained earnings to average equity (ytd only)1.3308%3,884
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio89.6773%386
Assets per employee ($millions)10.1043%642
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.5915%4,279
Loan loss allowance to noncurrent loans316.8942%1,942
Noncurrent assets plus other real estate owned to assets0.1526%2,559
Noncurrent loans to loans0.1866%2,615
Net loans and leases to total assets81.2900%499
Net loans and leases to deposits113.8592%136
Net loans and leases to core deposits133.4942%299
Total domestic deposits to total assets71.3900%4,275
Equity capital to assets9.3827%2,176
Core capital (leverage) ratio9.7169%3,083
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9477%1,581
Memoranda:
Average total assets$360,690,5002,159
Average earning assets$335,209,2502,161
Average equity$35,968,2502,010
Average total loans$289,257,2501,837
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3595%2,983
Cost of funding earning assets1.6662%938
Net interest margin2.6933%3,982
Noninterest income to average assets0.1400%4,111
Noninterest expense to average assets2.2520%2,949
Loan and lease loss provision to assets0.1000%1,140
Net operating income to assets0.2187%4,255
Return on assets (ROA)0.2187%4,280
Pretax return on assets0.2975%4,236
Return on Equity (ROE)2.1500%4,253
Retained earnings to average equity (ytd only)2.1475%3,689
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio85.1511%537
Assets per employee ($millions)10.0285%667
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.5243%4,361
Loan loss allowance to noncurrent loans249.0625%2,355
Noncurrent assets plus other real estate owned to assets0.1725%2,347
Noncurrent loans to loans0.2105%2,419
Net loans and leases to total assets81.5100%471
Net loans and leases to deposits110.4827%197
Net loans and leases to core deposits127.0165%372
Total domestic deposits to total assets73.7800%4,209
Equity capital to assets9.7705%1,989
Core capital (leverage) ratio10.3611%2,428
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3419%1,478
Memoranda:
Average total assets$352,932,6672,192
Average earning assets$328,524,3332,197
Average equity$35,949,0002,022
Average total loans$281,020,0001,859
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2240%2,995
Cost of funding earning assets1.4580%924
Net interest margin2.7660%3,994
Noninterest income to average assets0.1800%3,901
Noninterest expense to average assets2.2788%2,874
Loan and lease loss provision to assets0.0300%2,084
Net operating income to assets0.3269%4,210
Return on assets (ROA)0.3269%4,169
Pretax return on assets0.4409%4,068
Return on Equity (ROE)3.1400%4,169
Retained earnings to average equity (ytd only)3.1400%3,474
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio82.7630%659
Assets per employee ($millions)9.9795%703
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.5276%4,421
Loan loss allowance to noncurrent loans822.0339%1,134
Noncurrent assets plus other real estate owned to assets0.0507%3,279
Noncurrent loans to loans0.0642%3,274
Net loans and leases to total assets78.5500%705
Net loans and leases to deposits102.1510%354
Net loans and leases to core deposits114.4453%573
Total domestic deposits to total assets76.8900%4,090
Equity capital to assets10.2982%1,676
Core capital (leverage) ratio10.7599%2,021
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4007%1,288
Memoranda:
Average total assets$343,871,0002,261
Average earning assets$319,887,0002,256
Average equity$35,796,5002,050
Average total loans$269,506,5001,929
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5547%2,928
Cost of funding earning assets0.6589%694
Net interest margin2.8958%3,691
Noninterest income to average assets0.1900%4,004
Noninterest expense to average assets2.2054%3,013
Loan and lease loss provision to assets0.0100%2,705
Net operating income to assets0.4778%4,115
Return on assets (ROA)0.4778%4,086
Pretax return on assets0.6600%3,926
Return on Equity (ROE)4.3500%4,110
Retained earnings to average equity (ytd only)4.3511%3,285
Net charge-offs to loans-0.0021%3,448
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio76.7742%938
Assets per employee ($millions)10.2563%619
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.5418%4,403
Loan loss allowance to noncurrent loans199.7199%2,665
Noncurrent assets plus other real estate owned to assets0.2110%2,105
Noncurrent loans to loans0.2713%2,183
Net loans and leases to total assets77.3500%860
Net loans and leases to deposits94.5861%744
Net loans and leases to core deposits105.5750%763
Total domestic deposits to total assets81.7700%3,654
Equity capital to assets10.5251%1,440
Core capital (leverage) ratio10.8987%1,883
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2488%944
Memoranda:
Average total assets$318,351,0002,364
Average earning assets$295,326,6002,365
Average equity$34,957,0002,112
Average total loans$243,556,2001,977
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4153%2,874
Cost of funding earning assets0.5159%697
Net interest margin2.8994%3,503
Noninterest income to average assets0.1800%4,105
Noninterest expense to average assets2.2362%2,832
Loan and lease loss provision to assets-0.0100%4,370
Net operating income to assets0.4574%4,157
Return on assets (ROA)0.4574%4,100
Pretax return on assets0.6328%3,930
Return on Equity (ROE)4.1200%4,134
Retained earnings to average equity (ytd only)4.1198%3,405
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio78.0948%903
Assets per employee ($millions)9.9875%660
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.5414%4,441
Loan loss allowance to noncurrent loans173.7767%2,861
Noncurrent assets plus other real estate owned to assets0.2418%2,015
Noncurrent loans to loans0.3115%2,130
Net loans and leases to total assets77.2000%782
Net loans and leases to deposits97.9026%462
Net loans and leases to core deposits104.4555%633
Total domestic deposits to total assets78.8500%4,191
Equity capital to assets10.6712%1,304
Core capital (leverage) ratio11.3127%1,539
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6329%904
Memoranda:
Average total assets$313,324,2502,399
Average earning assets$290,489,7502,402
Average equity$34,790,5002,148
Average total loans$238,642,2502,003
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2210%2,987
Cost of funding earning assets0.4418%721
Net interest margin2.7792%3,500
Noninterest income to average assets0.1721%4,145
Noninterest expense to average assets2.2377%2,740
Loan and lease loss provision to assets-0.0409%4,492
Net operating income to assets0.3962%4,114
Return on assets (ROA)0.3962%4,066
Pretax return on assets0.5495%3,925
Return on Equity (ROE)3.5195%4,130
Retained earnings to average equity (ytd only)3.5195%3,268
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.4806%837
Assets per employee ($millions)9.4430%767
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.5522%4,505
Loan loss allowance to noncurrent loans125.5880%3,189
Noncurrent assets plus other real estate owned to assets0.3411%1,637
Noncurrent loans to loans0.4397%1,801
Net loans and leases to total assets77.1568%624
Net loans and leases to deposits99.0317%308
Net loans and leases to core deposits106.0951%450
Total domestic deposits to total assets77.9112%4,357
Equity capital to assets11.1559%1,148
Core capital (leverage) ratio11.5847%1,310
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5121%785
Memoranda:
Average total assets$307,902,6672,444
Average earning assets$285,193,0002,458
Average equity$34,663,6672,211
Average total loans$232,914,0002,034
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1112%2,948
Cost of funding earning assets0.4455%674
Net interest margin2.6657%3,489
Noninterest income to average assets0.1673%4,166
Noninterest expense to average assets2.3565%2,318
Loan and lease loss provision to assets-0.1033%4,606
Net operating income to assets0.2601%4,222
Return on assets (ROA)0.2601%4,194
Pretax return on assets0.3777%4,072
Return on Equity (ROE)2.2997%4,216
Retained earnings to average equity (ytd only)2.2997%3,463
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.5678%569
Assets per employee ($millions)9.5237%768
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.5722%4,525
Loan loss allowance to noncurrent loans276.5199%2,220
Noncurrent assets plus other real estate owned to assets0.1565%2,705
Noncurrent loans to loans0.2069%2,788
Net loans and leases to total assets75.2072%556
Net loans and leases to deposits95.2967%304
Net loans and leases to core deposits101.5323%453
Total domestic deposits to total assets78.9190%4,351
Equity capital to assets11.3697%1,174
Core capital (leverage) ratio11.4901%1,267
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9969%906
Memoranda:
Average total assets$306,044,0002,472
Average earning assets$282,853,0002,489
Average equity$34,613,5002,269
Average total loans$228,485,5002,056
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3439%3,069
Cost of funding earning assets0.5852%588
Net interest margin2.7586%3,760
Noninterest income to average assets0.1717%4,296
Noninterest expense to average assets1.9969%3,687
Loan and lease loss provision to assets0.0290%2,476
Net operating income to assets0.5042%4,078
Return on assets (ROA)0.5042%4,122
Pretax return on assets0.6861%3,957
Return on Equity (ROE)4.4622%4,115
Retained earnings to average equity (ytd only)4.4622%3,024
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.6340%1,348
Assets per employee ($millions)9.6041%755
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.6173%4,534
Loan loss allowance to noncurrent loans174.3142%2,790
Noncurrent assets plus other real estate owned to assets0.2610%2,248
Noncurrent loans to loans0.3542%2,316
Net loans and leases to total assets73.2288%731
Net loans and leases to deposits91.7083%492
Net loans and leases to core deposits100.3107%522
Total domestic deposits to total assets79.8497%4,235
Equity capital to assets11.2508%1,633
Core capital (leverage) ratio11.6534%1,225
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8742%773
Memoranda:
Average total assets$293,556,6002,460
Average earning assets$270,313,4002,484
Average equity$33,167,8002,378
Average total loans$219,402,0002,101
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3979%3,109
Cost of funding earning assets0.6178%586
Net interest margin2.7801%3,824
Noninterest income to average assets0.1659%4,374
Noninterest expense to average assets1.9872%3,719
Loan and lease loss provision to assets0.0300%2,396
Net operating income to assets0.5156%4,171
Return on assets (ROA)0.5156%4,215
Pretax return on assets0.7068%4,057
Return on Equity (ROE)4.5587%4,213
Retained earnings to average equity (ytd only)4.5587%3,388
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9543%1,314
Assets per employee ($millions)8.8666%936
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.6124%4,621
Loan loss allowance to noncurrent loans74.0462%3,690
Noncurrent assets plus other real estate owned to assets0.6360%1,192
Noncurrent loans to loans0.8271%1,381
Net loans and leases to total assets76.4281%516
Net loans and leases to deposits97.7600%282
Net loans and leases to core deposits107.5275%380
Total domestic deposits to total assets78.1793%4,407
Equity capital to assets11.7137%1,540
Core capital (leverage) ratio11.6580%1,303
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4743%887
Memoranda:
Average total assets$290,113,2502,498
Average earning assets$266,942,5002,529
Average equity$32,815,5002,425
Average total loans$217,639,5002,147
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4151%3,137
Cost of funding earning assets0.6495%575
Net interest margin2.7656%3,858
Noninterest income to average assets0.1459%4,469
Noninterest expense to average assets1.9718%3,784
Loan and lease loss provision to assets0.0678%1,698
Net operating income to assets0.4701%4,278
Return on assets (ROA)0.4701%4,319
Pretax return on assets0.6526%4,155
Return on Equity (ROE)4.2067%4,296
Retained earnings to average equity (ytd only)4.2067%3,457
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2409%1,315
Assets per employee ($millions)9.4960%715
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.6296%4,628
Loan loss allowance to noncurrent loans110.0624%3,244
Noncurrent assets plus other real estate owned to assets0.4355%1,884
Noncurrent loans to loans0.5720%1,970
Net loans and leases to total assets75.6547%622
Net loans and leases to deposits97.1400%347
Net loans and leases to core deposits107.2335%434
Total domestic deposits to total assets77.8821%4,441
Equity capital to assets11.4907%1,634
Core capital (leverage) ratio11.6602%1,235
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.1456%1,087
Memoranda:
Average total assets$289,285,0002,500
Average earning assets$266,345,3332,529
Average equity$32,329,3332,437
Average total loans$215,184,3332,179
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1745%3,729
Cost of funding earning assets0.6799%590
Net interest margin2.4945%4,306
Noninterest income to average assets0.1409%4,503
Noninterest expense to average assets2.0102%3,687
Loan and lease loss provision to assets0.0153%2,580
Net operating income to assets0.3418%4,462
Return on assets (ROA)0.3418%4,496
Pretax return on assets0.4185%4,465
Return on Equity (ROE)3.1031%4,453
Retained earnings to average equity (ytd only)3.1031%3,747
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2489%692
Assets per employee ($millions)9.7492%642
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.6255%4,661
Loan loss allowance to noncurrent loans90.8093%3,454
Noncurrent assets plus other real estate owned to assets0.4985%1,895
Noncurrent loans to loans0.6888%1,858
Net loans and leases to total assets71.9180%1,039
Net loans and leases to deposits91.5259%619
Net loans and leases to core deposits100.9939%672
Total domestic deposits to total assets78.5767%4,372
Equity capital to assets10.8317%1,983
Core capital (leverage) ratio11.6413%1,328
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.7017%966
Memoranda:
Average total assets$286,739,0002,506
Average earning assets$264,738,0002,522
Average equity$31,581,0002,458
Average total loans$210,716,0002,211
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3824%4,217
Cost of funding earning assets1.0094%573
Net interest margin2.3731%4,673
Noninterest income to average assets0.3972%3,107
Noninterest expense to average assets2.1563%3,800
Loan and lease loss provision to assets0.0339%3,978
Net operating income to assets0.2939%4,439
Return on assets (ROA)0.2939%4,505
Pretax return on assets0.3832%4,443
Return on Equity (ROE)2.5394%4,476
Retained earnings to average equity (ytd only)2.5394%3,576
Net charge-offs to loans0.0015%3,364
Credit loss provision to net charge-offs3,066.6667%323
Earnings coverage of net charge-offs (x)377.0000%291
Efficiency ratio83.7919%651
Assets per employee ($millions)9.0646%724
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.6259%4,692
Loan loss allowance to noncurrent loans63.1554%3,830
Noncurrent assets plus other real estate owned to assets0.7399%1,393
Noncurrent loans to loans0.9911%1,429
Net loans and leases to total assets74.1817%1,000
Net loans and leases to deposits96.1818%546
Net loans and leases to core deposits106.3238%631
Total domestic deposits to total assets77.1265%4,399
Equity capital to assets11.2035%2,097
Core capital (leverage) ratio12.1430%1,188
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8798%787
Memoranda:
Average total assets$271,160,6002,456
Average earning assets$248,667,0002,474
Average equity$31,385,0002,414
Average total loans$195,210,0002,283
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4467%4,293
Cost of funding earning assets1.0808%574
Net interest margin2.3659%4,746
Noninterest income to average assets0.4898%2,651
Noninterest expense to average assets2.2265%3,614
Loan and lease loss provision to assets0.0555%3,656
Net operating income to assets0.2962%4,456
Return on assets (ROA)0.2962%4,501
Pretax return on assets0.3736%4,462
Return on Equity (ROE)2.5381%4,472
Retained earnings to average equity (ytd only)2.5381%3,718
Net charge-offs to loans0.0021%3,123
Credit loss provision to net charge-offs3,733.3333%288
Earnings coverage of net charge-offs (x)288.3333%373
Efficiency ratio83.8378%614
Assets per employee ($millions)8.6112%809
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.6738%4,615
Loan loss allowance to noncurrent loans76.6532%3,622
Noncurrent assets plus other real estate owned to assets0.6514%1,785
Noncurrent loans to loans0.8790%1,701
Net loans and leases to total assets73.6142%1,420
Net loans and leases to deposits95.3705%808
Net loans and leases to core deposits104.0550%919
Total domestic deposits to total assets77.1876%4,297
Equity capital to assets11.7199%1,863
Core capital (leverage) ratio12.2282%1,231
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.0255%581
Memoranda:
Average total assets$268,700,2502,445
Average earning assets$245,985,5002,476
Average equity$31,360,7502,407
Average total loans$191,571,2502,312
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4963%4,414
Cost of funding earning assets1.1359%638
Net interest margin2.3605%4,813
Noninterest income to average assets0.6692%1,864
Noninterest expense to average assets2.1962%3,798
Loan and lease loss provision to assets0.0847%3,223
Net operating income to assets0.4271%4,172
Return on assets (ROA)0.4271%4,237
Pretax return on assets0.5429%4,174
Return on Equity (ROE)3.6641%4,203
Retained earnings to average equity (ytd only)3.6641%3,088
Net charge-offs to loans0.0032%2,880
Credit loss provision to net charge-offs3,800.0000%283
Earnings coverage of net charge-offs (x)281.6667%335
Efficiency ratio77.7749%1,074
Assets per employee ($millions)8.9941%678
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6958%4,571
Loan loss allowance to noncurrent loans55.7411%3,965
Noncurrent assets plus other real estate owned to assets0.8876%1,383
Noncurrent loans to loans1.2482%1,250
Net loans and leases to total assets70.6162%1,934
Net loans and leases to deposits91.2289%1,239
Net loans and leases to core deposits99.3887%1,300
Total domestic deposits to total assets77.4055%4,260
Equity capital to assets11.4950%1,975
Core capital (leverage) ratio12.3719%1,229
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.0437%577
Memoranda:
Average total assets$269,284,6672,415
Average earning assets$245,800,0002,450
Average equity$31,385,6672,392
Average total loans$189,480,3332,312
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5453%4,589
Cost of funding earning assets1.1877%806
Net interest margin2.3576%4,902
Noninterest income to average assets0.1383%4,673
Noninterest expense to average assets2.2824%3,810
Loan and lease loss provision to assets0.1323%2,073
Net operating income to assets-0.1011%4,804
Return on assets (ROA)-0.1011%4,789
Pretax return on assets-0.1130%4,781
Return on Equity (ROE)-0.8616%4,793
Retained earnings to average equity (ytd only)-0.8616%4,123
Net charge-offs to loans0.0042%2,422
Credit loss provision to net charge-offs4,450.0000%184
Earnings coverage of net charge-offs (x)6.5000%1,981
Efficiency ratio99.1602%249
Assets per employee ($millions)8.5977%611
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.6875%4,630
Loan loss allowance to noncurrent loans68.1039%3,774
Noncurrent assets plus other real estate owned to assets0.7222%1,862
Noncurrent loans to loans1.0094%1,640
Net loans and leases to total assets71.0583%2,082
Net loans and leases to deposits92.3881%1,238
Net loans and leases to core deposits97.8082%1,647
Total domestic deposits to total assets76.9128%4,364
Equity capital to assets11.8595%2,177
Core capital (leverage) ratio11.9171%1,793
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.9660%644
Memoranda:
Average total assets$269,016,0002,373
Average earning assets$246,861,5002,391
Average equity$31,570,5002,372
Average total loans$188,284,0002,273
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5939%4,782
Cost of funding earning assets1.1700%1,096
Net interest margin2.4239%5,002
Noninterest income to average assets0.1365%4,790
Noninterest expense to average assets2.3760%3,748
Loan and lease loss provision to assets0.0835%2,337
Net operating income to assets0.0012%4,969
Return on assets (ROA)0.0226%4,980
Pretax return on assets-0.0683%4,997
Return on Equity (ROE)0.1927%4,980
Retained earnings to average equity (ytd only)0.1927%4,633
Net charge-offs to loans0.0742%2,033
Credit loss provision to net charge-offs167.9104%1,541
Earnings coverage of net charge-offs (x)-0.2388%3,639
Efficiency ratio100.5022%155
Assets per employee ($millions)9.0501%498
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.6585%4,632
Loan loss allowance to noncurrent loans47.6636%4,132
Noncurrent assets plus other real estate owned to assets0.9458%1,343
Noncurrent loans to loans1.3816%1,068
Net loans and leases to total assets68.0074%2,680
Net loans and leases to deposits88.5076%1,771
Net loans and leases to core deposits94.1667%2,047
Total domestic deposits to total assets76.8378%4,510
Equity capital to assets11.6139%2,416
Core capital (leverage) ratio11.9252%1,826
Tier 1 risk-based capital ratio23.2641%892
Total risk-based capital ratio24.1618%898
Memoranda:
Average total assets$269,525,8002,336
Average earning assets$247,695,8002,351
Average equity$31,662,4002,316
Average total loans$180,567,8002,307
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5816%4,896
Cost of funding earning assets1.1535%1,162
Net interest margin2.4282%5,094
Noninterest income to average assets0.1373%4,848
Noninterest expense to average assets2.4581%3,544
Loan and lease loss provision to assets0.0352%3,195
Net operating income to assets0.0020%5,062
Return on assets (ROA)0.0020%5,074
Pretax return on assets-0.1224%5,091
Return on Equity (ROE)0.0168%5,074
Retained earnings to average equity (ytd only)0.0168%4,752
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.6789%127
Assets per employee ($millions)8.4078%592
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.6550%4,718
Loan loss allowance to noncurrent loans53.7980%4,121
Noncurrent assets plus other real estate owned to assets0.8318%1,655
Noncurrent loans to loans1.2176%1,288
Net loans and leases to total assets67.8715%2,804
Net loans and leases to deposits87.7134%1,974
Net loans and leases to core deposits92.6901%2,300
Total domestic deposits to total assets77.3788%4,461
Equity capital to assets11.6935%2,513
Core capital (leverage) ratio11.8043%1,992
Tier 1 risk-based capital ratio23.5754%888
Total risk-based capital ratio24.4740%901
Memoranda:
Average total assets$269,031,5002,352
Average earning assets$247,477,7502,368
Average equity$31,695,0002,330
Average total loans$179,243,2502,350
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5795%4,951
Cost of funding earning assets1.1278%1,204
Net interest margin2.4517%5,153
Noninterest income to average assets0.1427%4,855
Noninterest expense to average assets2.5849%3,227
Loan and lease loss provision to assets0.0245%3,314
Net operating income to assets-0.0290%5,111
Return on assets (ROA)-0.0290%5,116
Pretax return on assets-0.2171%5,148
Return on Equity (ROE)-0.2455%5,117
Retained earnings to average equity (ytd only)-0.2455%4,725
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.0485%108
Assets per employee ($millions)8.3920%585
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.6364%4,814
Loan loss allowance to noncurrent loans61.9883%3,974
Noncurrent assets plus other real estate owned to assets1.0095%1,385
Noncurrent loans to loans1.0267%1,594
Net loans and leases to total assets67.7901%2,845
Net loans and leases to deposits88.6042%1,926
Net loans and leases to core deposits93.5368%2,279
Total domestic deposits to total assets76.5090%4,621
Equity capital to assets11.7470%2,387
Core capital (leverage) ratio11.8331%1,925
Tier 1 risk-based capital ratio24.1538%833
Total risk-based capital ratio25.0475%848
Memoranda:
Average total assets$269,026,0002,362
Average earning assets$246,850,6702,376
Average equity$31,773,0002,319
Average total loans$177,720,6702,368
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5096%5,043
Cost of funding earning assets1.0834%1,241
Net interest margin2.4262%5,213
Noninterest income to average assets0.1426%4,881
Noninterest expense to average assets2.3204%3,969
Loan and lease loss provision to assets0.0401%2,824
Net operating income to assets0.0163%5,135
Return on assets (ROA)0.0163%5,138
Pretax return on assets0.0045%5,140
Return on Equity (ROE)0.1380%5,138
Retained earnings to average equity (ytd only)0.1380%4,497
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.1156%197
Assets per employee ($millions)8.5301%555
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.6429%4,862
Loan loss allowance to noncurrent loans65.0224%3,978
Noncurrent assets plus other real estate owned to assets1.1262%1,219
Noncurrent loans to loans0.9887%1,696
Net loans and leases to total assets65.6779%3,099
Net loans and leases to deposits85.1054%2,241
Net loans and leases to core deposits89.4707%2,560
Total domestic deposits to total assets77.1724%4,638
Equity capital to assets11.6968%2,237
Core capital (leverage) ratio11.9697%1,795
Tier 1 risk-based capital ratio24.0987%835
Total risk-based capital ratio24.9888%841
Memoranda:
Average total assets$269,266,5002,376
Average earning assets$246,640,5002,404
Average equity$31,886,5002,305
Average total loans$174,974,5002,421
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3613%5,038
Cost of funding earning assets0.8868%1,145
Net interest margin2.4745%5,226
Noninterest income to average assets0.0880%5,185
Noninterest expense to average assets2.3462%4,002
Loan and lease loss provision to assets0.0838%2,456
Net operating income to assets-0.0210%5,240
Return on assets (ROA)-0.0081%5,233
Pretax return on assets-0.0477%5,238
Return on Equity (ROE)-0.0664%5,233
Retained earnings to average equity (ytd only)-0.0664%4,993
Net charge-offs to loans0.0835%1,946
Credit loss provision to net charge-offs162.4060%1,708
Earnings coverage of net charge-offs (x)0.3835%3,701
Efficiency ratio99.1641%153
Assets per employee ($millions)8.2990%599
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.6684%4,869
Loan loss allowance to noncurrent loans43.1290%4,431
Noncurrent assets plus other real estate owned to assets1.5589%737
Noncurrent loans to loans1.5497%965
Net loans and leases to total assets63.4031%3,416
Net loans and leases to deposits82.5877%2,664
Net loans and leases to core deposits86.1150%2,906
Total domestic deposits to total assets76.7706%4,669
Equity capital to assets11.9912%1,902
Core capital (leverage) ratio12.2177%1,609
Tier 1 risk-based capital ratio25.4328%714
Total risk-based capital ratio26.3564%717
Memoranda:
Average total assets$257,863,2002,419
Average earning assets$237,376,6002,433
Average equity$31,629,6002,242
Average total loans$159,360,2002,535
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3313%5,098
Cost of funding earning assets0.8368%1,164
Net interest margin2.4945%5,284
Noninterest income to average assets0.0667%5,305
Noninterest expense to average assets2.3755%3,909
Loan and lease loss provision to assets0.1005%1,987
Net operating income to assets-0.0475%5,318
Return on assets (ROA)-0.0302%5,304
Pretax return on assets-0.0828%5,320
Return on Equity (ROE)-0.2449%5,305
Retained earnings to average equity (ytd only)-0.2449%5,068
Net charge-offs to loans0.1131%1,368
Credit loss provision to net charge-offs145.1128%1,761
Earnings coverage of net charge-offs (x)-0.0602%3,420
Efficiency ratio100.1757%152
Assets per employee ($millions)8.3895%550
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.6680%4,934
Loan loss allowance to noncurrent loans60.8886%4,194
Noncurrent assets plus other real estate owned to assets1.2216%1,137
Noncurrent loans to loans1.0971%1,551
Net loans and leases to total assets63.4637%3,490
Net loans and leases to deposits82.3301%2,779
Net loans and leases to core deposits85.7391%3,016
Total domestic deposits to total assets77.0845%4,631
Equity capital to assets12.2173%1,763
Core capital (leverage) ratio12.2438%1,651
Tier 1 risk-based capital ratio26.4239%655
Total risk-based capital ratio27.3635%665
Memoranda:
Average total assets$255,936,7502,451
Average earning assets$236,460,5002,456
Average equity$31,575,7502,246
Average total loans$156,822,2502,574
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2536%5,183
Cost of funding earning assets0.7820%1,208
Net interest margin2.4715%5,358
Noninterest income to average assets0.0361%5,430
Noninterest expense to average assets2.4144%3,857
Loan and lease loss provision to assets0.1320%1,500
Net operating income to assets-0.1243%5,385
Return on assets (ROA)-0.0982%5,373
Pretax return on assets-0.1854%5,389
Return on Equity (ROE)-0.7934%5,372
Retained earnings to average equity (ytd only)-0.7934%5,058
Net charge-offs to loans0.1145%1,239
Credit loss provision to net charge-offs190.9091%1,348
Earnings coverage of net charge-offs (x)-1.2500%3,155
Efficiency ratio103.7125%130
Assets per employee ($millions)8.2998%560
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.6978%4,950
Loan loss allowance to noncurrent loans86.1937%3,734
Noncurrent assets plus other real estate owned to assets1.0490%1,421
Noncurrent loans to loans0.8096%2,106
Net loans and leases to total assets62.4979%3,545
Net loans and leases to deposits80.9761%2,859
Net loans and leases to core deposits84.7859%3,023
Total domestic deposits to total assets77.1807%4,711
Equity capital to assets12.3290%1,646
Core capital (leverage) ratio12.5439%1,413
Tier 1 risk-based capital ratio27.4420%586
Total risk-based capital ratio28.4301%591
Memoranda:
Average total assets$254,558,0002,471
Average earning assets$236,049,3302,463
Average equity$31,509,6702,257
Average total loans$153,709,0002,628
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2109%5,221
Cost of funding earning assets0.7476%1,202
Net interest margin2.4633%5,418
Noninterest income to average assets0.0095%5,547
Noninterest expense to average assets2.4140%3,907
Loan and lease loss provision to assets0.1706%1,038
Net operating income to assets-0.1738%5,444
Return on assets (ROA)-0.1738%5,438
Pretax return on assets-0.2796%5,461
Return on Equity (ROE)-1.4011%5,433
Retained earnings to average equity (ytd only)-1.4011%4,953
Net charge-offs to loans0.2353%644
Credit loss provision to net charge-offs122.7273%1,368
Earnings coverage of net charge-offs (x)-0.7841%2,669
Efficiency ratio104.7293%136
Assets per employee ($millions)7.9270%638
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.7103%5,010
Loan loss allowance to noncurrent loans100.0000%3,460
Noncurrent assets plus other real estate owned to assets0.9722%1,619
Noncurrent loans to loans0.7103%2,435
Net loans and leases to total assets58.9656%3,852
Net loans and leases to deposits74.7765%3,334
Net loans and leases to core deposits78.2549%3,473
Total domestic deposits to total assets78.8558%4,601
Equity capital to assets12.3400%1,581
Core capital (leverage) ratio12.6180%1,338
Tier 1 risk-based capital ratio31.8099%412
Total risk-based capital ratio32.9039%409
Memoranda:
Average total assets$253,189,5002,492
Average earning assets$235,945,5002,483
Average equity$31,403,5002,275
Average total loans$149,596,5002,692
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0916%5,300
Cost of funding earning assets0.6408%1,353
Net interest margin2.4508%5,437
Noninterest income to average assets0.0649%5,497
Noninterest expense to average assets2.9030%2,446
Loan and lease loss provision to assets0.0068%4,131
Net operating income to assets-0.4403%5,518
Return on assets (ROA)-0.4346%5,512
Pretax return on assets-0.5478%5,557
Return on Equity (ROE)-3.4230%5,499
Retained earnings to average equity (ytd only)-3.4230%5,367
Net charge-offs to loans0.0014%4,073
Credit loss provision to net charge-offs850.0000%411
Earnings coverage of net charge-offs (x)-688.0000%4,126
Efficiency ratio123.2786%54
Assets per employee ($millions)7.6581%717
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.7068%5,056
Loan loss allowance to noncurrent loans50.6512%4,468
Noncurrent assets plus other real estate owned to assets0.8203%1,903
Noncurrent loans to loans1.3955%1,230
Net loans and leases to total assets58.3655%3,978
Net loans and leases to deposits74.4651%3,480
Net loans and leases to core deposits77.1854%3,655
Total domestic deposits to total assets78.3797%4,658
Equity capital to assets12.4666%1,538
Core capital (leverage) ratio12.5722%1,321
Tier 1 risk-based capital ratio31.0114%417
Total risk-based capital ratio32.0630%425
Memoranda:
Average total assets$251,015,2002,486
Average earning assets$234,539,2002,462
Average equity$31,873,0002,224
Average total loans$144,555,4002,710
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0422%5,384
Cost of funding earning assets0.6276%1,367
Net interest margin2.4147%5,517
Noninterest income to average assets0.0686%5,561
Noninterest expense to average assets3.0647%1,908
Loan and lease loss provision to assets-0.0575%5,534
Net operating income to assets-0.3051%5,604
Return on assets (ROA)-0.2990%5,602
Pretax return on assets-0.6709%5,640
Return on Equity (ROE)-2.3442%5,594
Retained earnings to average equity (ytd only)-2.3442%5,448
Net charge-offs to loans0.0019%3,705
Credit loss provision to net charge-offs-5,400.0000%5,174
Earnings coverage of net charge-offs (x)-692.6180%3,794
Efficiency ratio131.7174%44
Assets per employee ($millions)8.4266%534
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.6286%5,276
Loan loss allowance to noncurrent loans32.7202%4,896
Noncurrent assets plus other real estate owned to assets1.1183%1,483
Noncurrent loans to loans1.9210%899
Net loans and leases to total assets57.8480%4,073
Net loans and leases to deposits72.8930%3,678
Net loans and leases to core deposits75.4531%3,845
Total domestic deposits to total assets79.3601%4,470
Equity capital to assets12.6932%1,550
Core capital (leverage) ratio12.9497%1,227
Tier 1 risk-based capital ratio32.5934%397
Total risk-based capital ratio33.5289%397
Memoranda:
Average total assets$250,590,0002,506
Average earning assets$234,339,5002,477
Average equity$31,965,0002,235
Average total loans$143,557,0002,747
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0494%5,399
Cost of funding earning assets0.6214%1,324
Net interest margin2.4280%5,550
Noninterest income to average assets0.0704%5,596
Noninterest expense to average assets3.3892%1,199
Loan and lease loss provision to assets-0.0728%5,623
Net operating income to assets-0.4331%5,674
Return on assets (ROA)-0.4331%5,672
Pretax return on assets-0.9814%5,711
Return on Equity (ROE)-3.3893%5,662
Retained earnings to average equity (ytd only)-3.3893%5,459
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio145.1491%29
Assets per employee ($millions)8.0468%606
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.6495%5,299
Loan loss allowance to noncurrent loans39.0244%4,807
Noncurrent assets plus other real estate owned to assets0.9697%1,808
Noncurrent loans to loans1.6644%1,101
Net loans and leases to total assets57.8833%4,049
Net loans and leases to deposits72.9091%3,656
Net loans and leases to core deposits75.2886%3,831
Total domestic deposits to total assets79.3911%4,533
Equity capital to assets12.7352%1,505
Core capital (leverage) ratio13.2426%1,081
Tier 1 risk-based capital ratio33.0498%364
Total risk-based capital ratio34.0058%370
Memoranda:
Average total assets$249,854,3302,518
Average earning assets$233,032,6702,498
Average equity$31,924,0002,233
Average total loans$142,355,0002,770
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0739%5,393
Cost of funding earning assets0.6216%1,232
Net interest margin2.4522%5,580
Noninterest income to average assets0.0832%5,636
Noninterest expense to average assets2.9737%2,233
Loan and lease loss provision to assets-0.0192%5,674
Net operating income to assets-0.3503%5,710
Return on assets (ROA)-0.3503%5,709
Pretax return on assets-0.5871%5,740
Return on Equity (ROE)-2.7373%5,701
Retained earnings to average equity (ytd only)-2.7373%5,238
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio125.6081%69
Assets per employee ($millions)7.8356%660
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.7242%5,255
Loan loss allowance to noncurrent loans42.0123%4,814
Noncurrent assets plus other real estate owned to assets0.9711%1,886
Noncurrent loans to loans1.7238%1,115
Net loans and leases to total assets55.9273%4,177
Net loans and leases to deposits72.1331%3,598
Net loans and leases to core deposits74.3292%3,807
Total domestic deposits to total assets77.5335%5,037
Equity capital to assets12.7264%1,389
Core capital (leverage) ratio13.3403%1,020
Tier 1 risk-based capital ratio29.8599%486
Total risk-based capital ratio30.7841%493
Memoranda:
Average total assets$250,056,5002,542
Average earning assets$232,932,5002,527
Average equity$32,002,0002,240
Average total loans$140,865,5002,805
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3607%5,056
Cost of funding earning assets0.5579%1,618
Net interest margin2.8028%5,281
Noninterest income to average assets0.0383%5,799
Noninterest expense to average assets2.7975%3,028
Loan and lease loss provision to assets0.0008%4,322
Net operating income to assets-0.1639%5,704
Return on assets (ROA)-0.1639%5,716
Pretax return on assets-0.1361%5,703
Return on Equity (ROE)-1.2330%5,718
Retained earnings to average equity (ytd only)-1.2330%5,475
Net charge-offs to loans0.0465%3,103
Credit loss provision to net charge-offs3.0769%3,771
Earnings coverage of net charge-offs (x)-5.1692%4,221
Efficiency ratio105.0824%173
Assets per employee ($millions)7.5568%711
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.7368%5,280
Loan loss allowance to noncurrent loans29.6987%5,081
Noncurrent assets plus other real estate owned to assets1.7624%853
Noncurrent loans to loans2.4808%634
Net loans and leases to total assets55.9166%4,271
Net loans and leases to deposits72.4182%3,669
Net loans and leases to core deposits74.3556%3,894
Total domestic deposits to total assets77.2134%5,087
Equity capital to assets12.8698%1,317
Core capital (leverage) ratio13.5950%934
Tier 1 risk-based capital ratio29.8185%485
Total risk-based capital ratio30.7358%491
Memoranda:
Average total assets$248,327,8002,518
Average earning assets$232,484,4002,496
Average equity$33,009,6002,175
Average total loans$139,796,2002,784
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4976%4,808
Cost of funding earning assets0.5372%1,815
Net interest margin2.9603%5,079
Noninterest income to average assets0.0000%5,922
Noninterest expense to average assets2.8443%2,848
Loan and lease loss provision to assets0.0081%4,071
Net operating income to assets-0.1569%5,779
Return on assets (ROA)-0.1569%5,794
Pretax return on assets-0.0774%5,762
Return on Equity (ROE)-1.1713%5,791
Retained earnings to average equity (ytd only)-1.1713%5,514
Net charge-offs to loans0.0296%3,067
Credit loss provision to net charge-offs48.3871%3,054
Earnings coverage of net charge-offs (x)-4.1616%3,890
Efficiency ratio102.4985%191
Assets per employee ($millions)7.3295%781
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.7843%5,235
Loan loss allowance to noncurrent loans73.9071%4,181
Noncurrent assets plus other real estate owned to assets0.9506%2,184
Noncurrent loans to loans1.0612%2,124
Net loans and leases to total assets54.9241%4,411
Net loans and leases to deposits71.7337%3,831
Net loans and leases to core deposits73.4534%4,043
Total domestic deposits to total assets76.5666%5,159
Equity capital to assets13.0367%1,472
Core capital (leverage) ratio13.7319%936
Tier 1 risk-based capital ratio30.5171%464
Total risk-based capital ratio31.4970%470
Memoranda:
Average total assets$248,066,0002,533
Average earning assets$232,537,5002,498
Average equity$33,238,5002,180
Average total loans$139,626,0002,792
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2593%5,348
Cost of funding earning assets0.5421%1,764
Net interest margin2.7172%5,549
Noninterest income to average assets0.0945%5,801
Noninterest expense to average assets2.8455%2,858
Loan and lease loss provision to assets0.0121%3,860
Net operating income to assets-0.2955%5,878
Return on assets (ROA)-0.2955%5,892
Pretax return on assets-0.2011%5,856
Return on Equity (ROE)-2.1858%5,874
Retained earnings to average equity (ytd only)-2.1858%5,559
Net charge-offs to loans0.0071%3,442
Credit loss provision to net charge-offs300.0000%956
Earnings coverage of net charge-offs (x)-46.8000%3,674
Efficiency ratio107.1125%161
Assets per employee ($millions)6.4765%1,099
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.7932%5,294
Loan loss allowance to noncurrent loans27.3310%5,318
Noncurrent assets plus other real estate owned to assets2.0491%793
Noncurrent loans to loans2.9022%525
Net loans and leases to total assets56.3090%4,273
Net loans and leases to deposits72.7593%3,722
Net loans and leases to core deposits74.1662%3,969
Total domestic deposits to total assets77.3908%5,098
Equity capital to assets13.3653%1,300
Core capital (leverage) ratio13.8365%866
Tier 1 risk-based capital ratio30.3394%482
Total risk-based capital ratio31.3255%486
Memoranda:
Average total assets$247,686,6702,551
Average earning assets$233,549,3302,509
Average equity$33,488,6702,173
Average total loans$140,183,0002,787
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3113%5,300
Cost of funding earning assets0.5363%1,818
Net interest margin2.7750%5,510
Noninterest income to average assets0.0547%5,955
Noninterest expense to average assets2.8188%3,002
Loan and lease loss provision to assets-0.0580%5,956
Net operating income to assets-0.4105%5,945
Return on assets (ROA)-0.4105%5,954
Pretax return on assets-0.0821%5,852
Return on Equity (ROE)-3.0190%5,939
Retained earnings to average equity (ytd only)-3.0190%5,473
Net charge-offs to loans0.0228%2,477
Credit loss provision to net charge-offs-450.0000%4,527
Earnings coverage of net charge-offs (x)-10.8750%3,061
Efficiency ratio105.2284%202
Assets per employee ($millions)6.5245%1,093
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.7532%5,484
Loan loss allowance to noncurrent loans23.1039%5,409
Noncurrent assets plus other real estate owned to assets1.8743%965
Noncurrent loans to loans3.2600%455
Net loans and leases to total assets56.0174%4,255
Net loans and leases to deposits71.1027%3,738
Net loans and leases to core deposits72.4401%4,034
Total domestic deposits to total assets78.7837%5,015
Equity capital to assets13.5670%1,149
Core capital (leverage) ratio13.8820%844
Tier 1 risk-based capital ratio30.4154%488
Total risk-based capital ratio31.3533%498
Memoranda:
Average total assets$248,476,0002,556
Average earning assets$234,955,5002,505
Average equity$33,786,5002,156
Average total loans$140,430,0002,776
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5947%4,693
Cost of funding earning assets0.7075%787
Net interest margin2.8872%5,356
Noninterest income to average assets0.0275%6,053
Noninterest expense to average assets3.3181%1,684
Loan and lease loss provision to assets0.0625%3,048
Net operating income to assets-0.3251%5,993
Return on assets (ROA)-0.3251%6,000
Pretax return on assets-0.6027%6,059
Return on Equity (ROE)-3.3427%6,016
Retained earnings to average equity (ytd only)-3.3427%5,839
Net charge-offs to loans-0.0107%5,122
Credit loss provision to net charge-offs-833.3333%5,533
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio119.4463%94
Assets per employee ($millions)6.0213%1,369
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.3137%2,818
Loan loss allowance to noncurrent loans37.4550%5,164
Noncurrent assets plus other real estate owned to assets2.0589%844
Noncurrent loans to loans3.5075%399
Net loans and leases to total assets56.9610%4,205
Net loans and leases to deposits72.7507%3,644
Net loans and leases to core deposits74.1345%3,927
Total domestic deposits to total assets78.2962%5,103
Equity capital to assets12.9811%1,358
Core capital (leverage) ratio12.4275%1,386
Tier 1 risk-based capital ratio27.6170%620
Total risk-based capital ratio28.8722%609
Memoranda:
Average total assets$159,942,4003,435
Average earning assets$152,363,8003,367
Average equity$15,556,4003,753
Average total loans$112,271,6003,162
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6154%4,684
Cost of funding earning assets0.6910%880
Net interest margin2.9245%5,363
Noninterest income to average assets0.0511%6,092
Noninterest expense to average assets2.9298%2,744
Loan and lease loss provision to assets0.0685%2,808
Net operating income to assets-0.1244%6,016
Return on assets (ROA)-0.1244%6,038
Pretax return on assets-0.1544%6,032
Return on Equity (ROE)-1.5043%6,043
Retained earnings to average equity (ytd only)-1.5043%5,806
Net charge-offs to loans0.0777%2,446
Credit loss provision to net charge-offs116.3934%2,039
Earnings coverage of net charge-offs (x)-1.4590%4,069
Efficiency ratio103.0190%231
Assets per employee ($millions)7.0135%865
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.9293%5,072
Loan loss allowance to noncurrent loans54.3028%4,833
Noncurrent assets plus other real estate owned to assets1.3089%1,785
Noncurrent loans to loans1.7112%1,405
Net loans and leases to total assets75.7780%1,416
Net loans and leases to deposits96.6722%940
Net loans and leases to core deposits99.2215%1,583
Total domestic deposits to total assets78.3865%5,116
Equity capital to assets7.9198%5,985
Core capital (leverage) ratio8.5824%5,479
Tier 1 risk-based capital ratio16.9174%2,410
Total risk-based capital ratio18.1690%2,355
Memoranda:
Average total assets$138,209,5003,783
Average earning assets$131,986,7503,695
Average equity$11,433,7504,449
Average total loans$104,716,0003,326
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6373%4,616
Cost of funding earning assets0.6894%887
Net interest margin2.9479%5,342
Noninterest income to average assets0.0509%6,171
Noninterest expense to average assets2.9799%2,617
Loan and lease loss provision to assets0.0698%2,714
Net operating income to assets-0.0945%6,049
Return on assets (ROA)-0.0945%6,075
Pretax return on assets-0.1818%6,101
Return on Equity (ROE)-1.1263%6,087
Retained earnings to average equity (ytd only)-1.1263%5,709
Net charge-offs to loans0.1021%1,986
Credit loss provision to net charge-offs90.5660%2,197
Earnings coverage of net charge-offs (x)-1.4528%3,779
Efficiency ratio103.9047%252
Assets per employee ($millions)6.8789%876
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.9467%5,109
Loan loss allowance to noncurrent loans83.0093%4,127
Noncurrent assets plus other real estate owned to assets0.8599%2,837
Noncurrent loans to loans1.1404%2,369
Net loans and leases to total assets74.6862%1,551
Net loans and leases to deposits90.2060%1,575
Net loans and leases to core deposits92.0873%2,150
Total domestic deposits to total assets82.7951%4,032
Equity capital to assets8.3793%5,774
Core capital (leverage) ratio8.6762%5,349
Tier 1 risk-based capital ratio17.3821%2,256
Total risk-based capital ratio18.6337%2,216
Memoranda:
Average total assets$137,523,0003,830
Average earning assets$131,417,3303,733
Average equity$11,542,0004,463
Average total loans$103,858,0003,360
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5161%4,912
Cost of funding earning assets0.6770%966
Net interest margin2.8391%5,572
Noninterest income to average assets0.0495%6,234
Noninterest expense to average assets3.2903%1,741
Loan and lease loss provision to assets0.0698%2,543
Net operating income to assets-0.3491%6,204
Return on assets (ROA)-0.3491%6,219
Pretax return on assets-0.6022%6,260
Return on Equity (ROE)-4.1562%6,244
Retained earnings to average equity (ytd only)-4.1562%5,871
Net charge-offs to loans0.0308%2,571
Credit loss provision to net charge-offs300.0000%799
Earnings coverage of net charge-offs (x)-22.8750%3,263
Efficiency ratio119.3038%134
Assets per employee ($millions)6.6305%1,007
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9627%5,200
Loan loss allowance to noncurrent loans55.8774%4,840
Noncurrent assets plus other real estate owned to assets1.2891%2,065
Noncurrent loans to loans1.7228%1,590
Net loans and leases to total assets74.1080%1,483
Net loans and leases to deposits89.9956%1,397
Net loans and leases to core deposits91.8574%1,956
Total domestic deposits to total assets82.3463%4,399
Equity capital to assets8.2512%5,904
Core capital (leverage) ratio9.1127%4,832
Tier 1 risk-based capital ratio17.0871%2,447
Total risk-based capital ratio18.3379%2,406
Memoranda:
Average total assets$137,496,0003,850
Average earning assets$131,167,0003,758
Average equity$11,549,0004,498
Average total loans$103,920,5003,377
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7302%4,704
Cost of funding earning assets0.6633%1,311
Net interest margin3.0669%5,282
Noninterest income to average assets0.0542%6,280
Noninterest expense to average assets2.5522%4,389
Loan and lease loss provision to assets0.0690%3,102
Net operating income to assets0.2309%5,703
Return on assets (ROA)0.2309%5,766
Pretax return on assets0.3675%5,566
Return on Equity (ROE)2.7127%5,570
Retained earnings to average equity (ytd only)2.7127%4,316
Net charge-offs to loans0.1021%3,047
Credit loss provision to net charge-offs86.1111%2,736
Earnings coverage of net charge-offs (x)5.4444%3,416
Efficiency ratio85.3949%1,242
Assets per employee ($millions)6.4644%1,069
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.9522%5,282
Loan loss allowance to noncurrent loans54.6209%4,967
Noncurrent assets plus other real estate owned to assets1.3311%2,112
Noncurrent loans to loans1.7434%1,661
Net loans and leases to total assets75.6254%1,325
Net loans and leases to deposits91.5604%1,337
Net loans and leases to core deposits93.4957%1,949
Total domestic deposits to total assets82.5962%4,217
Equity capital to assets8.5516%5,700
Core capital (leverage) ratio8.8868%5,139
Tier 1 risk-based capital ratio16.7322%2,631
Total risk-based capital ratio17.9831%2,579
Memoranda:
Average total assets$134,707,4003,889
Average earning assets$128,893,8003,789
Average equity$11,464,6004,466
Average total loans$105,787,2003,306
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7534%4,700
Cost of funding earning assets0.6539%1,435
Net interest margin3.0995%5,259
Noninterest income to average assets0.0536%6,373
Noninterest expense to average assets2.5427%4,385
Loan and lease loss provision to assets0.0684%2,971
Net operating income to assets0.2539%5,730
Return on assets (ROA)0.2539%5,789
Pretax return on assets0.4086%5,561
Return on Equity (ROE)2.9866%5,542
Retained earnings to average equity (ytd only)2.9866%4,477
Net charge-offs to loans0.1254%2,544
Credit loss provision to net charge-offs69.0000%2,785
Earnings coverage of net charge-offs (x)4.8100%3,377
Efficiency ratio84.2036%1,365
Assets per employee ($millions)6.3956%1,086
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.9233%5,518
Loan loss allowance to noncurrent loans91.0028%3,886
Noncurrent assets plus other real estate owned to assets0.7944%3,436
Noncurrent loans to loans1.0146%3,042
Net loans and leases to total assets77.5791%1,008
Net loans and leases to deposits95.0216%957
Net loans and leases to core deposits97.0737%1,586
Total domestic deposits to total assets81.6437%4,612
Equity capital to assets8.6048%5,721
Core capital (leverage) ratio9.0222%5,047
Tier 1 risk-based capital ratio16.7067%2,725
Total risk-based capital ratio17.9515%2,680
Memoranda:
Average total assets$134,446,2503,927
Average earning assets$128,662,5003,817
Average equity$11,428,5004,500
Average total loans$106,321,5003,321
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7689%4,628
Cost of funding earning assets0.6530%1,487
Net interest margin3.1158%5,210
Noninterest income to average assets0.0550%6,432
Noninterest expense to average assets2.5741%4,338
Loan and lease loss provision to assets0.0669%2,926
Net operating income to assets0.2424%5,732
Return on assets (ROA)0.2424%5,804
Pretax return on assets0.3941%5,582
Return on Equity (ROE)2.8632%5,571
Retained earnings to average equity (ytd only)2.8632%4,380
Net charge-offs to loans0.1874%1,909
Credit loss provision to net charge-offs45.0000%2,864
Earnings coverage of net charge-offs (x)3.1000%3,388
Efficiency ratio84.8114%1,409
Assets per employee ($millions)6.7070%919
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.8940%5,738
Loan loss allowance to noncurrent loans45.0738%5,352
Noncurrent assets plus other real estate owned to assets1.5663%2,083
Noncurrent loans to loans1.9834%1,700
Net loans and leases to total assets78.2636%883
Net loans and leases to deposits94.6918%908
Net loans and leases to core deposits96.4890%1,564
Total domestic deposits to total assets82.6508%4,431
Equity capital to assets8.5464%5,763
Core capital (leverage) ratio8.8832%5,188
Tier 1 risk-based capital ratio16.5125%2,822
Total risk-based capital ratio17.7636%2,788
Memoranda:
Average total assets$134,492,3303,952
Average earning assets$128,633,3303,843
Average equity$11,385,6704,524
Average total loans$106,706,6703,318
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7856%4,548
Cost of funding earning assets0.6538%1,563
Net interest margin3.1319%5,139
Noninterest income to average assets0.0564%6,467
Noninterest expense to average assets2.5277%4,528
Loan and lease loss provision to assets0.0653%2,819
Net operating income to assets0.2703%5,597
Return on assets (ROA)0.2703%5,641
Pretax return on assets0.4515%5,304
Return on Equity (ROE)3.2080%5,384
Retained earnings to average equity (ytd only)3.2080%4,196
Net charge-offs to loans0.3436%1,041
Credit loss provision to net charge-offs23.9130%2,462
Earnings coverage of net charge-offs (x)1.8913%2,998
Efficiency ratio83.0244%1,796
Assets per employee ($millions)6.7724%892
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.8785%5,931
Loan loss allowance to noncurrent loans44.2335%5,422
Noncurrent assets plus other real estate owned to assets1.5556%2,268
Noncurrent loans to loans1.9861%1,883
Net loans and leases to total assets77.6355%803
Net loans and leases to deposits94.3831%755
Net loans and leases to core deposits95.9443%1,388
Total domestic deposits to total assets82.2558%4,871
Equity capital to assets8.4107%5,738
Core capital (leverage) ratio8.8026%5,265
Tier 1 risk-based capital ratio15.9252%3,203
Total risk-based capital ratio17.1752%3,161
Memoranda:
Average total assets$134,669,0003,983
Average earning assets$128,486,0003,877
Average equity$11,346,5004,532
Average total loans$107,095,5003,316
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7966%4,830
Cost of funding earning assets0.7353%1,590
Net interest margin3.0613%5,432
Noninterest income to average assets0.0626%6,515
Noninterest expense to average assets2.5021%4,759
Loan and lease loss provision to assets0.0663%3,800
Net operating income to assets0.3116%5,482
Return on assets (ROA)0.3116%5,578
Pretax return on assets0.4228%5,433
Return on Equity (ROE)3.9457%5,141
Retained earnings to average equity (ytd only)3.9457%3,397
Net charge-offs to loans0.0837%4,041
Credit loss provision to net charge-offs100.0000%2,416
Earnings coverage of net charge-offs (x)7.3778%2,856
Efficiency ratio83.6493%1,668
Assets per employee ($millions)6.6946%901
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.9269%5,833
Loan loss allowance to noncurrent loans45.4628%5,441
Noncurrent assets plus other real estate owned to assets1.6461%2,243
Noncurrent loans to loans2.0388%1,950
Net loans and leases to total assets79.9919%596
Net loans and leases to deposits96.2914%706
Net loans and leases to core deposits97.8860%1,306
Total domestic deposits to total assets83.0728%4,525
Equity capital to assets8.4404%5,647
Core capital (leverage) ratio8.7282%5,380
Tier 1 risk-based capital ratio16.3240%2,951
Total risk-based capital ratio17.5751%2,908
Memoranda:
Average total assets$135,767,2003,965
Average earning assets$129,880,8003,845
Average equity$10,720,4004,693
Average total loans$107,500,8003,291
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7870%4,905
Cost of funding earning assets0.7480%1,615
Net interest margin3.0390%5,491
Noninterest income to average assets0.0636%6,589
Noninterest expense to average assets2.5220%4,649
Loan and lease loss provision to assets0.0656%3,749
Net operating income to assets0.2310%5,834
Return on assets (ROA)0.2310%5,918
Pretax return on assets0.3787%5,685
Return on Equity (ROE)2.9754%5,615
Retained earnings to average equity (ytd only)2.9754%4,547
Net charge-offs to loans0.0112%4,918
Credit loss provision to net charge-offs744.4444%392
Earnings coverage of net charge-offs (x)50.4433%862
Efficiency ratio85.0214%1,470
Assets per employee ($millions)5.6335%1,512
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.9713%5,835
Loan loss allowance to noncurrent loans47.9855%5,302
Noncurrent assets plus other real estate owned to assets1.6338%2,514
Noncurrent loans to loans2.0242%2,223
Net loans and leases to total assets79.9297%555
Net loans and leases to deposits96.7667%639
Net loans and leases to core deposits98.1384%1,234
Total domestic deposits to total assets82.6005%4,715
Equity capital to assets7.9065%6,210
Core capital (leverage) ratio8.5435%5,732
Tier 1 risk-based capital ratio15.8480%3,273
Total risk-based capital ratio17.0999%3,224
Memoranda:
Average total assets$136,236,2503,991
Average earning assets$130,127,5003,879
Average equity$10,575,2504,778
Average total loans$107,350,0003,322
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8323%4,725
Cost of funding earning assets0.7603%1,645
Net interest margin3.0720%5,361
Noninterest income to average assets0.0630%6,627
Noninterest expense to average assets2.5758%4,471
Loan and lease loss provision to assets0.0659%3,711
Net operating income to assets0.2167%5,847
Return on assets (ROA)0.2167%5,980
Pretax return on assets0.3500%5,750
Return on Equity (ROE)2.8091%5,695
Retained earnings to average equity (ytd only)2.8091%4,526
Net charge-offs to loans0.0169%4,503
Credit loss provision to net charge-offs500.0000%543
Earnings coverage of net charge-offs (x)31.5556%1,108
Efficiency ratio86.0989%1,404
Assets per employee ($millions)6.4291%937
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.9741%5,916
Loan loss allowance to noncurrent loans49.0548%5,245
Noncurrent assets plus other real estate owned to assets1.5673%2,764
Noncurrent loans to loans1.9858%2,417
Net loans and leases to total assets78.1573%735
Net loans and leases to deposits95.0623%732
Net loans and leases to core deposits96.4182%1,315
Total domestic deposits to total assets82.2170%4,973
Equity capital to assets7.8542%6,294
Core capital (leverage) ratio8.4610%5,714
Tier 1 risk-based capital ratio15.4283%3,520
Total risk-based capital ratio16.6807%3,480
Memoranda:
Average total assets$136,580,0004,009
Average earning assets$130,208,6703,901
Average equity$10,537,0004,823
Average total loans$106,757,0003,344
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8384%4,685
Cost of funding earning assets0.7719%1,697
Net interest margin3.0664%5,382
Noninterest income to average assets0.0553%6,715
Noninterest expense to average assets2.4985%4,761
Loan and lease loss provision to assets0.0670%3,518
Net operating income to assets0.2504%5,725
Return on assets (ROA)0.2504%5,846
Pretax return on assets0.4164%5,513
Return on Equity (ROE)3.2751%5,450
Retained earnings to average equity (ytd only)3.2751%4,285
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.7891%1,795
Assets per employee ($millions)7.2567%684
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9500%6,133
Loan loss allowance to noncurrent loans51.5853%5,100
Noncurrent assets plus other real estate owned to assets1.4411%3,100
Noncurrent loans to loans1.8416%2,810
Net loans and leases to total assets77.5111%663
Net loans and leases to deposits95.0319%604
Net loans and leases to core deposits96.3696%1,181
Total domestic deposits to total assets81.5633%5,335
Equity capital to assets7.6488%6,541
Core capital (leverage) ratio8.3439%5,767
Tier 1 risk-based capital ratio15.2067%3,706
Total risk-based capital ratio16.4583%3,650
Memoranda:
Average total assets$137,364,5004,030
Average earning assets$131,097,5003,919
Average equity$10,503,5004,885
Average total loans$106,856,0003,365
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1314%4,835
Cost of funding earning assets0.8661%2,175
Net interest margin3.2654%5,376
Noninterest income to average assets0.0542%6,671
Noninterest expense to average assets2.3603%5,526
Loan and lease loss provision to assets0.0659%4,931
Net operating income to assets0.4379%4,936
Return on assets (ROA)0.4379%5,179
Pretax return on assets0.7426%4,505
Return on Equity (ROE)5.6733%4,328
Retained earnings to average equity (ytd only)5.6733%2,268
Net charge-offs to loans0.1030%4,640
Credit loss provision to net charge-offs84.9057%3,666
Earnings coverage of net charge-offs (x)10.4151%2,146
Efficiency ratio74.4858%2,990
Assets per employee ($millions)7.2027%710
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9469%6,135
Loan loss allowance to noncurrent loans56.3872%4,815
Noncurrent assets plus other real estate owned to assets1.2985%3,483
Noncurrent loans to loans1.6793%3,103
Net loans and leases to total assets76.5900%842
Net loans and leases to deposits92.6615%857
Net loans and leases to core deposits93.9581%1,472
Total domestic deposits to total assets82.6557%4,869
Equity capital to assets7.6440%6,572
Core capital (leverage) ratio8.4667%5,665
Tier 1 risk-based capital ratio15.3358%3,521
Total risk-based capital ratio16.5875%3,477
Memoranda:
Average total assets$136,549,2004,013
Average earning assets$130,246,0003,888
Average equity$10,540,6004,859
Average total loans$102,919,8003,457
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1907%4,849
Cost of funding earning assets0.8902%2,237
Net interest margin3.3005%5,394
Noninterest income to average assets0.0557%6,783
Noninterest expense to average assets2.3076%5,665
Loan and lease loss provision to assets0.0664%4,860
Net operating income to assets0.4875%4,890
Return on assets (ROA)0.4875%5,155
Pretax return on assets0.8295%4,383
Return on Equity (ROE)6.3001%4,176
Retained earnings to average equity (ytd only)6.3001%2,485
Net charge-offs to loans0.1253%4,123
Credit loss provision to net charge-offs70.8333%3,882
Earnings coverage of net charge-offs (x)9.5519%2,309
Efficiency ratio72.0342%3,324
Assets per employee ($millions)7.4632%606
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9990%6,090
Loan loss allowance to noncurrent loans58.2696%4,731
Noncurrent assets plus other real estate owned to assets1.2647%3,768
Noncurrent loans to loans1.7144%3,214
Net loans and leases to total assets73.0344%1,384
Net loans and leases to deposits86.3640%1,560
Net loans and leases to core deposits88.4068%2,170
Total domestic deposits to total assets84.5658%3,946
Equity capital to assets8.0357%6,570
Core capital (leverage) ratio8.4442%5,824
Tier 1 risk-based capital ratio15.4196%3,587
Total risk-based capital ratio16.6714%3,538
Memoranda:
Average total assets$136,473,5004,052
Average earning assets$130,157,2503,934
Average equity$10,560,5004,901
Average total loans$102,195,5003,502
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2101%4,912
Cost of funding earning assets0.9091%2,324
Net interest margin3.3009%5,438
Noninterest income to average assets0.0569%6,832
Noninterest expense to average assets2.2189%5,951
Loan and lease loss provision to assets0.0656%4,819
Net operating income to assets0.5350%4,656
Return on assets (ROA)0.5350%4,932
Pretax return on assets0.9272%3,974
Return on Equity (ROE)7.0023%3,779
Retained earnings to average equity (ytd only)7.0023%2,102
Net charge-offs to loans0.1763%3,541
Credit loss provision to net charge-offs49.4505%4,047
Earnings coverage of net charge-offs (x)7.4835%2,474
Efficiency ratio69.0876%3,922
Assets per employee ($millions)7.1533%679
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.9449%6,340
Loan loss allowance to noncurrent loans55.6701%4,837
Noncurrent assets plus other real estate owned to assets1.2847%3,858
Noncurrent loans to loans1.6972%3,352
Net loans and leases to total assets74.9757%1,103
Net loans and leases to deposits87.0703%1,466
Net loans and leases to core deposits89.7885%2,008
Total domestic deposits to total assets86.1094%3,302
Equity capital to assets7.8463%6,654
Core capital (leverage) ratio8.2502%5,993
Tier 1 risk-based capital ratio15.3741%3,523
Total risk-based capital ratio16.6244%3,483
Memoranda:
Average total assets$137,185,3304,051
Average earning assets$131,114,6703,937
Average equity$10,482,3304,914
Average total loans$103,226,3303,492
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2036%5,087
Cost of funding earning assets0.9466%2,320
Net interest margin3.2570%5,616
Noninterest income to average assets0.0580%6,902
Noninterest expense to average assets2.1564%6,139
Loan and lease loss provision to assets0.0668%4,577
Net operating income to assets0.5485%4,605
Return on assets (ROA)0.5485%4,817
Pretax return on assets0.9403%3,900
Return on Equity (ROE)7.2752%3,619
Retained earnings to average equity (ytd only)7.2752%2,289
Net charge-offs to loans0.3752%2,181
Credit loss provision to net charge-offs23.7113%3,725
Earnings coverage of net charge-offs (x)3.5773%2,799
Efficiency ratio68.1651%4,139
Assets per employee ($millions)6.8607%809
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9165%6,498
Loan loss allowance to noncurrent loans55.5032%4,764
Noncurrent assets plus other real estate owned to assets1.2382%4,069
Noncurrent loans to loans1.6512%3,625
Net loans and leases to total assets74.2993%1,014
Net loans and leases to deposits86.2374%1,391
Net loans and leases to core deposits88.8963%1,965
Total domestic deposits to total assets86.1567%3,437
Equity capital to assets7.6421%6,717
Core capital (leverage) ratio8.0321%6,227
Tier 1 risk-based capital ratio14.8137%3,880
Total risk-based capital ratio16.0769%3,834
Memoranda:
Average total assets$137,822,0004,076
Average earning assets$131,411,0003,957
Average equity$10,391,5004,945
Average total loans$103,403,0003,516
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5809%4,750
Cost of funding earning assets1.1525%2,338
Net interest margin3.4285%5,394
Noninterest income to average assets0.0547%6,814
Noninterest expense to average assets2.2665%6,128
Loan and lease loss provision to assets0.0741%5,686
Net operating income to assets0.4863%4,485
Return on assets (ROA)0.4863%4,691
Pretax return on assets1.0051%3,230
Return on Equity (ROE)7.1596%3,331
Retained earnings to average equity (ytd only)7.1596%1,425
Net charge-offs to loans0.0065%6,340
Credit loss provision to net charge-offs1,528.5714%146
Earnings coverage of net charge-offs (x)222.5714%152
Efficiency ratio67.7433%4,410
Assets per employee ($millions)6.9215%762
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9797%6,302
Loan loss allowance to noncurrent loans57.9067%4,613
Noncurrent assets plus other real estate owned to assets1.2700%4,102
Noncurrent loans to loans1.6918%3,625
Net loans and leases to total assets74.3307%1,209
Net loans and leases to deposits86.1638%1,649
Net loans and leases to core deposits89.0450%2,244
Total domestic deposits to total assets86.2667%3,158
Equity capital to assets7.4384%6,839
Core capital (leverage) ratio7.7624%6,480
Tier 1 risk-based capital ratio14.2542%4,143
Total risk-based capital ratio15.5054%4,103
Memoranda:
Average total assets$144,366,6003,904
Average earning assets$138,574,2003,772
Average equity$9,805,0005,071
Average total loans$107,862,2003,434
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5793%4,951
Cost of funding earning assets1.1940%2,356
Net interest margin3.3853%5,621
Noninterest income to average assets0.0576%6,925
Noninterest expense to average assets2.1793%6,322
Loan and lease loss provision to assets0.0768%5,484
Net operating income to assets0.5805%4,174
Return on assets (ROA)0.5805%4,354
Pretax return on assets1.0568%3,183
Return on Equity (ROE)8.7446%2,709
Retained earnings to average equity (ytd only)8.7446%1,234
Net charge-offs to loans0.0086%6,042
Credit loss provision to net charge-offs1,200.0000%226
Earnings coverage of net charge-offs (x)177.2015%216
Efficiency ratio65.7837%4,754
Assets per employee ($millions)6.7842%825
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9211%6,529
Loan loss allowance to noncurrent loans51.9040%4,889
Noncurrent assets plus other real estate owned to assets1.3456%4,124
Noncurrent loans to loans1.7746%3,673
Net loans and leases to total assets75.1242%1,123
Net loans and leases to deposits85.5567%1,744
Net loans and leases to core deposits88.2880%2,450
Total domestic deposits to total assets87.8064%2,165
Equity capital to assets7.0219%7,052
Core capital (leverage) ratio7.4613%6,785
Tier 1 risk-based capital ratio14.1157%4,268
Total risk-based capital ratio15.3660%4,241
Memoranda:
Average total assets$145,850,7503,896
Average earning assets$140,250,5003,760
Average equity$9,682,0005,132
Average total loans$108,849,2503,441
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5665%5,113
Cost of funding earning assets1.2191%2,447
Net interest margin3.3473%5,716
Noninterest income to average assets0.0640%6,982
Noninterest expense to average assets2.2017%6,382
Loan and lease loss provision to assets0.0844%5,259
Net operating income to assets0.5293%4,379
Return on assets (ROA)0.5293%4,524
Pretax return on assets0.9947%3,258
Return on Equity (ROE)8.1256%2,891
Retained earnings to average equity (ytd only)8.1256%1,415
Net charge-offs to loans0.0128%5,670
Credit loss provision to net charge-offs885.7143%363
Earnings coverage of net charge-offs (x)113.2857%317
Efficiency ratio67.1091%4,682
Assets per employee ($millions)7.3707%608
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.8779%6,716
Loan loss allowance to noncurrent loans57.2690%4,599
Noncurrent assets plus other real estate owned to assets1.1525%4,578
Noncurrent loans to loans1.5329%4,114
Net loans and leases to total assets74.5267%1,321
Net loans and leases to deposits84.6056%2,016
Net loans and leases to core deposits87.2191%2,735
Total domestic deposits to total assets88.0872%2,090
Equity capital to assets6.6195%7,167
Core capital (leverage) ratio7.1888%6,926
Tier 1 risk-based capital ratio13.3294%4,664
Total risk-based capital ratio14.5591%4,659
Memoranda:
Average total assets$146,978,3303,900
Average earning assets$141,246,6703,772
Average equity$9,574,6705,164
Average total loans$109,124,6703,478
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5763%5,046
Cost of funding earning assets1.2262%2,649
Net interest margin3.3501%5,609
Noninterest income to average assets0.0436%7,166
Noninterest expense to average assets2.1668%6,498
Loan and lease loss provision to assets0.0409%5,480
Net operating income to assets0.6350%3,836
Return on assets (ROA)0.6350%3,909
Pretax return on assets1.0602%2,900
Return on Equity (ROE)9.8281%2,159
Retained earnings to average equity (ytd only)9.8281%1,154
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3053%4,986
Assets per employee ($millions)7.3185%630
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.8509%6,820
Loan loss allowance to noncurrent loans50.6790%4,969
Noncurrent assets plus other real estate owned to assets1.2578%4,433
Noncurrent loans to loans1.6789%3,966
Net loans and leases to total assets74.2789%1,306
Net loans and leases to deposits83.3553%2,126
Net loans and leases to core deposits85.9116%2,884
Total domestic deposits to total assets89.1112%1,702
Equity capital to assets6.5587%7,194
Core capital (leverage) ratio7.1385%6,945
Tier 1 risk-based capital ratio13.3090%4,570
Total risk-based capital ratio14.5040%4,596
Memoranda:
Average total assets$146,761,0003,938
Average earning assets$141,250,5003,798
Average equity$9,483,0005,183
Average total loans$108,269,5003,535
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9548%4,766
Cost of funding earning assets1.5698%2,244
Net interest margin3.3849%5,685
Noninterest income to average assets0.0417%7,150
Noninterest expense to average assets2.1673%6,701
Loan and lease loss provision to assets0.0962%6,184
Net operating income to assets0.6700%3,345
Return on assets (ROA)0.6700%3,489
Pretax return on assets1.0272%2,847
Return on Equity (ROE)11.0654%1,567
Retained earnings to average equity (ytd only)11.0654%374
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8626%4,995
Assets per employee ($millions)7.3576%630
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.8589%6,834
Loan loss allowance to noncurrent loans56.6667%4,617
Noncurrent assets plus other real estate owned to assets1.1009%4,814
Noncurrent loans to loans1.5157%4,211
Net loans and leases to total assets72.0113%2,108
Net loans and leases to deposits81.8934%2,828
Net loans and leases to core deposits84.4317%3,537
Total domestic deposits to total assets87.9329%2,290
Equity capital to assets6.3648%7,280
Core capital (leverage) ratio6.7838%7,113
Tier 1 risk-based capital ratio12.6438%4,904
Total risk-based capital ratio13.7864%4,983
Memoranda:
Average total assets$148,663,0003,896
Average earning assets$142,691,2003,765
Average equity$9,001,0005,428
Average total loans$106,059,8003,622
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0018%4,807
Cost of funding earning assets1.6200%2,278
Net interest margin3.3818%5,745
Noninterest income to average assets0.0394%7,326
Noninterest expense to average assets2.1166%6,813
Loan and lease loss provision to assets0.1145%5,887
Net operating income to assets0.6978%3,420
Return on assets (ROA)0.6978%3,580
Pretax return on assets1.0502%2,997
Return on Equity (ROE)11.6723%1,599
Retained earnings to average equity (ytd only)11.6723%500
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5038%5,154
Assets per employee ($millions)7.3853%655
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.8419%6,910
Loan loss allowance to noncurrent loans51.1905%4,875
Noncurrent assets plus other real estate owned to assets1.1943%4,752
Noncurrent loans to loans1.6447%4,178
Net loans and leases to total assets72.0030%2,248
Net loans and leases to deposits80.6644%3,329
Net loans and leases to core deposits83.2625%4,057
Total domestic deposits to total assets89.2624%1,247
Equity capital to assets6.2841%7,450
Core capital (leverage) ratio6.7288%7,277
Tier 1 risk-based capital ratio12.5211%4,958
Total risk-based capital ratio13.6583%5,041
Memoranda:
Average total assets$149,040,7503,939
Average earning assets$142,877,5003,816
Average equity$8,909,7505,519
Average total loans$105,853,7503,685
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9571%5,145
Cost of funding earning assets1.6784%2,236
Net interest margin3.2787%6,084
Noninterest income to average assets0.0428%7,367
Noninterest expense to average assets2.0885%6,944
Loan and lease loss provision to assets0.0361%6,595
Net operating income to assets0.6997%3,409
Return on assets (ROA)0.6997%3,564
Pretax return on assets1.0650%2,887
Return on Equity (ROE)11.9058%1,477
Retained earnings to average equity (ytd only)11.9058%508
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4782%5,069
Assets per employee ($millions)7.4693%628
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7471%7,158
Loan loss allowance to noncurrent loans110.9267%2,508
Noncurrent assets plus other real estate owned to assets0.4840%6,241
Noncurrent loans to loans0.6735%5,906
Net loans and leases to total assets71.3219%2,586
Net loans and leases to deposits79.6098%3,666
Net loans and leases to core deposits82.1637%4,392
Total domestic deposits to total assets89.5894%1,133
Equity capital to assets6.0421%7,532
Core capital (leverage) ratio6.4748%7,388
Tier 1 risk-based capital ratio12.1614%5,162
Total risk-based capital ratio13.1685%5,357
Memoranda:
Average total assets$149,486,0003,960
Average earning assets$143,472,3303,828
Average equity$8,785,6705,566
Average total loans$105,386,6703,733
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9639%5,179
Cost of funding earning assets1.7393%2,186
Net interest margin3.2246%6,214
Noninterest income to average assets0.0562%7,433
Noninterest expense to average assets2.0544%7,050
Loan and lease loss provision to assets0.0321%6,352
Net operating income to assets0.6206%3,800
Return on assets (ROA)0.6206%3,935
Pretax return on assets1.0593%2,878
Return on Equity (ROE)10.7091%1,868
Retained earnings to average equity (ytd only)10.7091%983
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3061%5,251
Assets per employee ($millions)7.4935%650
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.7446%7,260
Loan loss allowance to noncurrent loans90.4598%3,046
Noncurrent assets plus other real estate owned to assets0.5805%6,058
Noncurrent loans to loans0.8232%5,665
Net loans and leases to total assets69.9958%2,943
Net loans and leases to deposits78.1830%4,009
Net loans and leases to core deposits80.6858%4,675
Total domestic deposits to total assets89.5282%1,225
Equity capital to assets5.8611%7,638
Core capital (leverage) ratio6.3324%7,520
Tier 1 risk-based capital ratio11.8235%5,374
Total risk-based capital ratio12.8140%5,589
Memoranda:
Average total assets$149,536,0004,015
Average earning assets$143,274,5003,881
Average equity$8,665,5005,642
Average total loans$104,406,5003,813
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3274%5,042
Cost of funding earning assets2.5090%1,007
Net interest margin2.8183%7,031
Noninterest income to average assets0.0595%7,460
Noninterest expense to average assets2.1306%7,122
Loan and lease loss provision to assets0.0234%7,272
Net operating income to assets0.3921%4,157
Return on assets (ROA)0.3921%4,255
Pretax return on assets0.6144%3,867
Return on Equity (ROE)6.4829%2,999
Retained earnings to average equity (ytd only)6.4829%1,155
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9624%3,365
Assets per employee ($millions)7.4602%660
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.7515%7,263
Loan loss allowance to noncurrent loans84.6995%3,270
Noncurrent assets plus other real estate owned to assets0.6133%5,914
Noncurrent loans to loans0.8873%5,529
Net loans and leases to total assets68.5971%3,569
Net loans and leases to deposits76.4152%4,668
Net loans and leases to core deposits92.8976%4,794
Total domestic deposits to total assets89.7690%1,069
Equity capital to assets5.7284%7,705
Core capital (leverage) ratio6.1002%7,612
Tier 1 risk-based capital ratio11.7175%5,178
Total risk-based capital ratio12.7086%5,404
Memoranda:
Average total assets$141,274,8004,095
Average earning assets$135,789,2003,981
Average equity$8,545,6005,751
Average total loans$101,803,6003,900
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3719%5,084
Cost of funding earning assets2.6357%939
Net interest margin2.7362%7,156
Noninterest income to average assets0.0584%7,611
Noninterest expense to average assets2.1202%7,153
Loan and lease loss provision to assets0.0230%7,125
Net operating income to assets0.3723%4,508
Return on assets (ROA)0.3723%4,613
Pretax return on assets0.5466%4,370
Return on Equity (ROE)6.0695%3,498
Retained earnings to average equity (ytd only)6.0695%1,915
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8256%3,026
Assets per employee ($millions)7.5221%627
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.7363%7,294
Loan loss allowance to noncurrent loans77.9247%3,507
Noncurrent assets plus other real estate owned to assets0.6878%5,764
Noncurrent loans to loans0.9449%5,410
Net loans and leases to total assets72.2516%2,971
Net loans and leases to deposits81.3055%4,151
Net loans and leases to core deposits99.5450%4,425
Total domestic deposits to total assets88.8644%1,263
Equity capital to assets6.1370%7,829
Core capital (leverage) ratio6.3686%7,717
Tier 1 risk-based capital ratio12.0647%4,915
Total risk-based capital ratio13.0896%5,055
Memoranda:
Average total assets$139,292,7504,153
Average earning assets$133,953,7504,040
Average equity$8,545,2505,810
Average total loans$101,473,5003,948
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4581%4,856
Cost of funding earning assets2.8044%780
Net interest margin2.6537%7,295
Noninterest income to average assets0.0536%7,724
Noninterest expense to average assets2.1871%7,090
Loan and lease loss provision to assets0.0217%7,013
Net operating income to assets0.2680%5,022
Return on assets (ROA)0.2680%5,117
Pretax return on assets0.3940%4,954
Return on Equity (ROE)4.3684%4,354
Retained earnings to average equity (ytd only)4.3684%2,870
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.0289%2,468
Assets per employee ($millions)7.3155%668
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.7421%7,324
Loan loss allowance to noncurrent loans76.1569%3,661
Noncurrent assets plus other real estate owned to assets0.7151%5,620
Noncurrent loans to loans0.9745%5,267
Net loans and leases to total assets72.8442%2,993
Net loans and leases to deposits82.0940%4,211
Net loans and leases to core deposits101.6311%4,323
Total domestic deposits to total assets88.7326%1,413
Equity capital to assets6.1621%7,898
Core capital (leverage) ratio6.2783%7,860
Tier 1 risk-based capital ratio12.0027%4,913
Total risk-based capital ratio13.0337%5,034
Memoranda:
Average total assets$138,083,6704,216
Average earning assets$132,647,0004,091
Average equity$8,470,0005,856
Average total loans$100,622,0003,996
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4324%5,263
Cost of funding earning assets2.9359%707
Net interest margin2.4965%7,505
Noninterest income to average assets0.0494%7,834
Noninterest expense to average assets2.0170%7,316
Loan and lease loss provision to assets0.0203%6,640
Net operating income to assets0.2819%5,362
Return on assets (ROA)0.2819%5,531
Pretax return on assets0.4069%5,376
Return on Equity (ROE)4.6067%4,657
Retained earnings to average equity (ytd only)4.6067%3,364
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.5208%2,476
Assets per employee ($millions)7.4180%645
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7552%7,298
Loan loss allowance to noncurrent loans224.9249%1,490
Noncurrent assets plus other real estate owned to assets0.2363%6,807
Noncurrent loans to loans0.3358%6,589
Net loans and leases to total assets69.8379%3,710
Net loans and leases to deposits81.0318%4,445
Net loans and leases to core deposits100.8711%4,452
Total domestic deposits to total assets86.1858%2,621
Equity capital to assets6.0131%7,996
Core capital (leverage) ratio6.3544%7,923
Tier 1 risk-based capital ratio11.4348%5,473
Total risk-based capital ratio12.4165%5,658
Memoranda:
Average total assets$137,628,5004,237
Average earning assets$132,022,5004,106
Average equity$8,422,5005,911
Average total loans$99,930,0004,031
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5778%7,138
Cost of funding earning assets3.2292%1,100
Net interest margin2.3486%7,886
Noninterest income to average assets0.0622%7,837
Noninterest expense to average assets2.0180%7,407
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.2039%5,837
Return on assets (ROA)0.2039%5,656
Pretax return on assets0.2944%5,522
Return on Equity (ROE)3.1489%5,176
Retained earnings to average equity (ytd only)3.1489%3,194
Net charge-offs to loans0.0055%6,895
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)74.8000%546
Efficiency ratio87.2703%1,742
Assets per employee ($millions)7.0692%684
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.7370%7,337
Loan loss allowance to noncurrent loans436.4706%968
Noncurrent assets plus other real estate owned to assets0.1266%7,074
Noncurrent loans to loans0.1689%6,885
Net loans and leases to total assets74.4057%3,009
Net loans and leases to deposits90.1244%3,434
Net loans and leases to core deposits108.7607%3,887
Total domestic deposits to total assets82.5589%3,974
Equity capital to assets6.2316%8,009
Core capital (leverage) ratio6.3950%7,964
Tier 1 risk-based capital ratio11.9268%4,882
Total risk-based capital ratio12.9525%4,955
Memoranda:
Average total assets$127,054,0004,351
Average earning assets$121,731,6004,219
Average equity$8,225,2005,996
Average total loans$91,121,2004,189