Home > AVB Bank > Performance and Condition Ratios

AVB Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1301%1,793
Cost of funding earning assets1.2063%2,782
Net interest margin3.9238%1,327
Noninterest income to average assets0.3800%2,615
Noninterest expense to average assets3.1529%874
Loan and lease loss provision to assets0.0400%2,313
Net operating income to assets0.6281%3,368
Return on assets (ROA)0.6281%3,347
Pretax return on assets0.8583%3,073
Return on Equity (ROE)7.6200%3,120
Retained earnings to average equity (ytd only)2.5455%3,428
Net charge-offs to loans0.0078%2,383
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)152.6429%701
Efficiency ratio77.9110%1,077
Assets per employee ($millions)6.0213%2,803
Cash dividends to net income (ytd only)*66.6001%946
Condition Ratios (%)
Loss allowance to loans1.8958%454
Loan loss allowance to noncurrent loans3,255.1570%343
Noncurrent assets plus other real estate owned to assets0.0446%3,298
Noncurrent loans to loans0.0582%3,303
Net loans and leases to total assets75.1600%1,217
Net loans and leases to deposits88.7756%1,366
Net loans and leases to core deposits101.0779%1,373
Total domestic deposits to total assets84.6700%2,415
Equity capital to assets8.1488%3,313
Core capital (leverage) ratio10.4526%2,383
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0554%1,850
Memoranda:
Average total assets$478,130,2001,777
Average earning assets$446,740,0001,759
Average equity$39,403,2001,905
Average total loans$360,331,2001,577
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1158%1,602
Cost of funding earning assets1.0842%2,788
Net interest margin4.0316%1,175
Noninterest income to average assets0.3700%2,673
Noninterest expense to average assets3.1178%906
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.7658%3,118
Return on assets (ROA)0.7658%3,116
Pretax return on assets1.0171%2,808
Return on Equity (ROE)9.2600%2,861
Retained earnings to average equity (ytd only)2.4398%3,644
Net charge-offs to loans0.0117%1,970
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)116.3226%856
Efficiency ratio75.4025%1,233
Assets per employee ($millions)5.6913%3,028
Cash dividends to net income (ytd only)*73.6648%576
Condition Ratios (%)
Loss allowance to loans1.9765%405
Loan loss allowance to noncurrent loans4,578.6667%258
Noncurrent assets plus other real estate owned to assets0.0325%3,472
Noncurrent loans to loans0.0432%3,452
Net loans and leases to total assets73.8900%1,350
Net loans and leases to deposits81.9288%1,904
Net loans and leases to core deposits92.1709%1,784
Total domestic deposits to total assets90.1800%896
Equity capital to assets8.3624%2,820
Core capital (leverage) ratio10.7393%2,194
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4557%1,436
Memoranda:
Average total assets$472,720,5001,789
Average earning assets$441,339,0001,772
Average equity$39,072,7501,903
Average total loans$354,689,7501,595
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0559%1,449
Cost of funding earning assets1.0080%2,582
Net interest margin4.0479%1,155
Noninterest income to average assets0.3500%2,761
Noninterest expense to average assets3.1207%881
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.7666%3,172
Return on assets (ROA)0.7666%3,189
Pretax return on assets1.0125%2,877
Return on Equity (ROE)9.3100%2,887
Retained earnings to average equity (ytd only)-0.8816%4,202
Net charge-offs to loans0.0185%1,535
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)73.1212%1,096
Efficiency ratio75.5025%1,218
Assets per employee ($millions)5.6939%2,982
Cash dividends to net income (ytd only)*109.4691%242
Condition Ratios (%)
Loss allowance to loans2.0297%397
Loan loss allowance to noncurrent loans4,659.2105%273
Noncurrent assets plus other real estate owned to assets0.0326%3,456
Noncurrent loans to loans0.0436%3,412
Net loans and leases to total assets73.2200%1,380
Net loans and leases to deposits80.5151%1,935
Net loans and leases to core deposits89.9654%1,801
Total domestic deposits to total assets90.9300%674
Equity capital to assets8.3280%3,002
Core capital (leverage) ratio10.3390%2,440
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4445%1,442
Memoranda:
Average total assets$476,629,6671,781
Average earning assets$445,024,6671,771
Average equity$39,247,0001,904
Average total loans$357,093,3331,570
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9619%1,300
Cost of funding earning assets1.0121%2,006
Net interest margin3.9498%1,369
Noninterest income to average assets0.3200%2,923
Noninterest expense to average assets2.9417%1,158
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8025%3,186
Return on assets (ROA)0.8025%3,137
Pretax return on assets1.0667%2,807
Return on Equity (ROE)9.8000%2,849
Retained earnings to average equity (ytd only)-10.4897%4,486
Net charge-offs to loans-0.0144%3,979
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio73.3886%1,401
Assets per employee ($millions)5.9770%2,780
Cash dividends to net income (ytd only)*207.0393%134
Condition Ratios (%)
Loss allowance to loans1.9381%493
Loan loss allowance to noncurrent loans19,719.4444%101
Noncurrent assets plus other real estate owned to assets0.0074%3,803
Noncurrent loans to loans0.0098%3,756
Net loans and leases to total assets74.1900%1,180
Net loans and leases to deposits83.1914%1,557
Net loans and leases to core deposits92.2871%1,490
Total domestic deposits to total assets89.1800%1,475
Equity capital to assets7.9377%3,280
Core capital (leverage) ratio9.9455%2,745
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1337%1,932
Memoranda:
Average total assets$481,496,5001,790
Average earning assets$449,343,0001,776
Average equity$39,429,0001,922
Average total loans$361,179,5001,579
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1221%1,427
Cost of funding earning assets0.3033%2,847
Net interest margin3.8189%1,122
Noninterest income to average assets0.3900%2,745
Noninterest expense to average assets2.9359%1,072
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7850%3,379
Return on assets (ROA)0.7855%3,312
Pretax return on assets1.0360%2,959
Return on Equity (ROE)8.9600%3,141
Retained earnings to average equity (ytd only)5.3273%2,908
Net charge-offs to loans-0.0792%4,470
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio73.9274%1,223
Assets per employee ($millions)5.9118%2,838
Cash dividends to net income (ytd only)*40.5186%1,881
Condition Ratios (%)
Loss allowance to loans1.9608%467
Loan loss allowance to noncurrent loans8,727.5000%195
Noncurrent assets plus other real estate owned to assets0.0167%3,682
Noncurrent loans to loans0.0225%3,639
Net loans and leases to total assets72.9000%1,322
Net loans and leases to deposits88.1947%1,161
Net loans and leases to core deposits91.1396%1,446
Total domestic deposits to total assets82.6600%3,500
Equity capital to assets8.4428%2,744
Core capital (leverage) ratio10.6421%2,073
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8058%1,690
Memoranda:
Average total assets$471,309,6001,796
Average earning assets$441,520,0001,783
Average equity$41,334,6001,877
Average total loans$335,689,4001,586
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9544%1,353
Cost of funding earning assets0.1819%3,500
Net interest margin3.7725%993
Noninterest income to average assets0.4100%2,683
Noninterest expense to average assets2.8502%1,142
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.8219%3,165
Return on assets (ROA)0.8226%3,126
Pretax return on assets1.1026%2,712
Return on Equity (ROE)9.2900%2,936
Retained earnings to average equity (ytd only)4.4784%3,295
Net charge-offs to loans-0.1065%4,506
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio72.1216%1,500
Assets per employee ($millions)5.9237%2,828
Cash dividends to net income (ytd only)*51.7956%1,120
Condition Ratios (%)
Loss allowance to loans2.0409%471
Loan loss allowance to noncurrent loans268.6033%2,311
Noncurrent assets plus other real estate owned to assets0.5625%948
Noncurrent loans to loans0.7598%1,067
Net loans and leases to total assets72.5200%1,229
Net loans and leases to deposits83.9167%1,305
Net loans and leases to core deposits85.8152%1,533
Total domestic deposits to total assets86.4200%2,955
Equity capital to assets8.4398%2,588
Core capital (leverage) ratio10.5438%2,078
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2888%1,626
Memoranda:
Average total assets$469,422,5001,815
Average earning assets$440,583,7501,795
Average equity$41,561,0001,897
Average total loans$330,592,7501,598
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7861%1,350
Cost of funding earning assets0.1597%3,448
Net interest margin3.6264%1,031
Noninterest income to average assets0.4243%2,602
Noninterest expense to average assets2.8325%1,110
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.7301%3,208
Return on assets (ROA)0.7311%3,159
Pretax return on assets0.9998%2,735
Return on Equity (ROE)8.1337%2,983
Retained earnings to average equity (ytd only)1.0609%3,983
Net charge-offs to loans-0.1096%4,471
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9352%1,515
Assets per employee ($millions)4.8838%3,785
Cash dividends to net income (ytd only)*86.9565%508
Condition Ratios (%)
Loss allowance to loans2.1067%446
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets70.5501%1,248
Net loans and leases to deposits77.5223%1,573
Net loans and leases to core deposits79.5725%1,743
Total domestic deposits to total assets91.0061%1,244
Equity capital to assets8.4481%2,802
Core capital (leverage) ratio10.1890%2,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1603%1,668
Memoranda:
Average total assets$471,879,6671,814
Average earning assets$443,308,3331,806
Average equity$42,416,0001,917
Average total loans$326,769,6671,608
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5928%1,522
Cost of funding earning assets0.1601%3,371
Net interest margin3.4328%1,227
Noninterest income to average assets0.4485%2,400
Noninterest expense to average assets2.7459%1,263
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.6953%3,075
Return on assets (ROA)0.6973%3,057
Pretax return on assets0.9353%2,650
Return on Equity (ROE)7.5430%2,858
Retained earnings to average equity (ytd only)-5.9588%4,453
Net charge-offs to loans-0.2132%4,614
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6437%1,665
Assets per employee ($millions)6.0101%2,801
Cash dividends to net income (ytd only)*178.9976%249
Condition Ratios (%)
Loss allowance to loans2.1361%497
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets66.4932%1,366
Net loans and leases to deposits74.2957%1,577
Net loans and leases to core deposits75.6840%1,800
Total domestic deposits to total assets89.4981%1,813
Equity capital to assets8.9337%2,770
Core capital (leverage) ratio9.4980%2,793
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8366%1,859
Memoranda:
Average total assets$480,720,5001,794
Average earning assets$452,347,0001,778
Average equity$44,438,5001,907
Average total loans$326,488,0001,597
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8744%1,688
Cost of funding earning assets0.1949%3,524
Net interest margin3.6795%1,266
Noninterest income to average assets0.3834%3,149
Noninterest expense to average assets2.8575%1,237
Loan and lease loss provision to assets-0.0645%4,419
Net operating income to assets0.7407%3,516
Return on assets (ROA)0.7407%3,577
Pretax return on assets1.0474%3,131
Return on Equity (ROE)7.5214%3,367
Retained earnings to average equity (ytd only)4.2484%3,111
Net charge-offs to loans-0.0626%4,425
Credit loss provision to net charge-offs147.7833%1,500
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4055%1,261
Assets per employee ($millions)6.0079%2,768
Cash dividends to net income (ytd only)*43.5161%1,845
Condition Ratios (%)
Loss allowance to loans2.0331%575
Loan loss allowance to noncurrent loans8,191.4634%179
Noncurrent assets plus other real estate owned to assets0.0169%3,973
Noncurrent loans to loans0.0248%3,891
Net loans and leases to total assets66.5086%1,420
Net loans and leases to deposits74.8052%1,664
Net loans and leases to core deposits76.5153%1,877
Total domestic deposits to total assets88.9091%1,562
Equity capital to assets9.5471%3,104
Core capital (leverage) ratio9.8949%2,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9424%1,867
Memoranda:
Average total assets$465,343,8001,793
Average earning assets$437,207,8001,780
Average equity$45,829,0001,900
Average total loans$324,410,4001,610
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9420%1,661
Cost of funding earning assets0.2036%3,572
Net interest margin3.7385%1,253
Noninterest income to average assets0.3884%3,159
Noninterest expense to average assets2.7523%1,457
Loan and lease loss provision to assets0.1159%1,036
Net operating income to assets0.7063%3,750
Return on assets (ROA)0.7063%3,820
Pretax return on assets1.0280%3,378
Return on Equity (ROE)7.1144%3,640
Retained earnings to average equity (ytd only)2.7354%3,989
Net charge-offs to loans-0.0900%4,574
Credit loss provision to net charge-offs-183.4862%3,364
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6390%1,532
Assets per employee ($millions)5.7744%2,921
Cash dividends to net income (ytd only)*61.5511%809
Condition Ratios (%)
Loss allowance to loans2.3020%388
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets68.2790%1,290
Net loans and leases to deposits77.3123%1,545
Net loans and leases to core deposits79.2017%1,801
Total domestic deposits to total assets88.3159%1,658
Equity capital to assets9.9924%2,908
Core capital (leverage) ratio9.8982%2,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1665%1,910
Memoranda:
Average total assets$460,019,2501,828
Average earning assets$431,645,2501,819
Average equity$45,671,2501,924
Average total loans$322,919,0001,644
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0174%1,530
Cost of funding earning assets0.2154%3,597
Net interest margin3.8020%1,136
Noninterest income to average assets0.4045%3,093
Noninterest expense to average assets2.7607%1,441
Loan and lease loss provision to assets0.1741%663
Net operating income to assets0.7110%3,734
Return on assets (ROA)0.7110%3,801
Pretax return on assets1.0349%3,363
Return on Equity (ROE)7.1767%3,610
Retained earnings to average equity (ytd only)0.5845%4,414
Net charge-offs to loans-0.1016%4,631
Credit loss provision to net charge-offs-243.9024%3,260
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5438%1,698
Assets per employee ($millions)5.6865%2,916
Cash dividends to net income (ytd only)*91.8555%350
Condition Ratios (%)
Loss allowance to loans2.3539%332
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets67.2787%1,543
Net loans and leases to deposits76.1012%1,811
Net loans and leases to core deposits78.0347%2,043
Total domestic deposits to total assets88.4069%1,616
Equity capital to assets9.9464%2,898
Core capital (leverage) ratio9.9400%2,455
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3734%1,844
Memoranda:
Average total assets$459,374,6671,821
Average earning assets$430,773,6671,815
Average equity$45,508,3331,911
Average total loans$322,942,3331,649
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1536%1,280
Cost of funding earning assets0.2328%3,623
Net interest margin3.9208%951
Noninterest income to average assets0.3596%3,291
Noninterest expense to average assets2.7062%1,607
Loan and lease loss provision to assets0.2600%391
Net operating income to assets0.7201%3,662
Return on assets (ROA)0.7201%3,730
Pretax return on assets1.0719%3,189
Return on Equity (ROE)7.2833%3,529
Retained earnings to average equity (ytd only)7.2833%2,483
Net charge-offs to loans-0.0684%4,509
Credit loss provision to net charge-offs-535.7143%3,192
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0172%2,080
Assets per employee ($millions)5.4637%3,150
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.2023%422
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets70.2101%1,259
Net loans and leases to deposits79.6374%1,554
Net loans and leases to core deposits81.4318%1,882
Total domestic deposits to total assets88.1622%1,760
Equity capital to assets10.1330%2,575
Core capital (leverage) ratio9.7797%2,736
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7045%1,671
Memoranda:
Average total assets$461,603,0001,802
Average earning assets$433,075,0001,797
Average equity$45,638,5001,897
Average total loans$327,693,0001,638
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6581%972
Cost of funding earning assets0.4665%3,178
Net interest margin4.1916%644
Noninterest income to average assets0.4009%3,083
Noninterest expense to average assets2.9699%1,503
Loan and lease loss provision to assets0.6751%252
Net operating income to assets0.4531%4,132
Return on assets (ROA)0.5170%4,078
Pretax return on assets0.7466%3,774
Return on Equity (ROE)5.2909%3,820
Retained earnings to average equity (ytd only)1.9782%3,830
Net charge-offs to loans0.3111%568
Credit loss provision to net charge-offs277.5665%1,811
Earnings coverage of net charge-offs (x)5.5124%2,857
Efficiency ratio68.8962%2,111
Assets per employee ($millions)5.5919%2,751
Cash dividends to net income (ytd only)*62.6118%1,241
Condition Ratios (%)
Loss allowance to loans2.0660%519
Loan loss allowance to noncurrent loans9,875.3623%114
Noncurrent assets plus other real estate owned to assets0.0245%4,265
Noncurrent loans to loans0.0209%4,252
Net loans and leases to total assets68.7663%1,725
Net loans and leases to deposits77.4603%2,128
Net loans and leases to core deposits79.7367%2,392
Total domestic deposits to total assets88.7762%1,084
Equity capital to assets9.6494%3,458
Core capital (leverage) ratio10.2264%2,390
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9249%1,883
Memoranda:
Average total assets$432,507,0001,756
Average earning assets$403,430,6001,759
Average equity$42,261,0001,935
Average total loans$338,178,6001,545
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8437%817
Cost of funding earning assets0.5245%3,084
Net interest margin4.3192%561
Noninterest income to average assets0.3718%3,226
Noninterest expense to average assets2.9596%1,534
Loan and lease loss provision to assets0.7309%275
Net operating income to assets0.4995%4,039
Return on assets (ROA)0.5866%3,912
Pretax return on assets0.8128%3,613
Return on Equity (ROE)5.9829%3,560
Retained earnings to average equity (ytd only)1.4845%4,089
Net charge-offs to loans0.4389%361
Credit loss provision to net charge-offs207.1429%2,087
Earnings coverage of net charge-offs (x)4.0625%2,856
Efficiency ratio67.3695%2,273
Assets per employee ($millions)5.2138%3,001
Cash dividends to net income (ytd only)*75.1880%693
Condition Ratios (%)
Loss allowance to loans1.7739%767
Loan loss allowance to noncurrent loans1,272.6708%486
Noncurrent assets plus other real estate owned to assets0.1090%3,888
Noncurrent loans to loans0.1394%3,825
Net loans and leases to total assets76.8047%985
Net loans and leases to deposits87.1165%1,581
Net loans and leases to core deposits90.4763%1,932
Total domestic deposits to total assets88.1632%1,141
Equity capital to assets9.4594%3,716
Core capital (leverage) ratio9.4088%3,354
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1247%2,145
Memoranda:
Average total assets$423,204,5001,762
Average earning assets$394,011,0001,765
Average equity$41,495,0001,950
Average total loans$340,268,0001,528
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7388%1,309
Cost of funding earning assets0.6018%2,955
Net interest margin4.1370%1,046
Noninterest income to average assets0.3649%3,296
Noninterest expense to average assets3.0474%1,471
Loan and lease loss provision to assets0.5282%649
Net operating income to assets0.4573%4,118
Return on assets (ROA)0.5901%3,855
Pretax return on assets0.8023%3,578
Return on Equity (ROE)5.9440%3,526
Retained earnings to average equity (ytd only)3.5258%3,165
Net charge-offs to loans-0.0006%3,730
Credit loss provision to net charge-offs-110,000.0000%4,350
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3882%1,634
Assets per employee ($millions)5.1328%3,022
Cash dividends to net income (ytd only)*40.6835%1,919
Condition Ratios (%)
Loss allowance to loans1.6989%815
Loan loss allowance to noncurrent loans355.7647%1,349
Noncurrent assets plus other real estate owned to assets0.3851%2,756
Noncurrent loans to loans0.4775%2,717
Net loans and leases to total assets79.2785%687
Net loans and leases to deposits90.4536%1,314
Net loans and leases to core deposits93.9865%1,739
Total domestic deposits to total assets87.6455%1,353
Equity capital to assets9.5640%3,600
Core capital (leverage) ratio9.6393%3,202
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9149%2,217
Memoranda:
Average total assets$416,547,3331,761
Average earning assets$387,142,0001,762
Average equity$41,352,6671,944
Average total loans$338,181,6671,516
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9606%1,044
Cost of funding earning assets0.7302%2,780
Net interest margin4.2305%865
Noninterest income to average assets0.4108%3,026
Noninterest expense to average assets3.2506%1,314
Loan and lease loss provision to assets0.1980%1,532
Net operating income to assets0.6662%3,384
Return on assets (ROA)0.6662%3,453
Pretax return on assets0.8849%3,175
Return on Equity (ROE)6.5787%3,105
Retained earnings to average equity (ytd only)1.6911%3,553
Net charge-offs to loans-0.0061%3,915
Credit loss provision to net charge-offs-4,000.0000%3,833
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0114%1,684
Assets per employee ($millions)4.8046%2,870
Cash dividends to net income (ytd only)*74.2942%1,119
Condition Ratios (%)
Loss allowance to loans1.5405%1,222
Loan loss allowance to noncurrent loans275.2137%1,640
Noncurrent assets plus other real estate owned to assets0.4638%2,615
Noncurrent loans to loans0.5598%2,600
Net loans and leases to total assets81.5884%491
Net loans and leases to deposits91.4956%1,341
Net loans and leases to core deposits95.9153%1,799
Total domestic deposits to total assets89.1719%592
Equity capital to assets10.1150%3,680
Core capital (leverage) ratio10.1106%3,335
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5337%2,463
Memoranda:
Average total assets$404,108,5001,753
Average earning assets$374,710,0001,766
Average equity$40,920,0001,951
Average total loans$329,271,0001,526
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0709%1,287
Cost of funding earning assets0.7973%2,696
Net interest margin4.2735%1,155
Noninterest income to average assets0.5065%2,694
Noninterest expense to average assets3.2249%1,463
Loan and lease loss provision to assets0.3358%469
Net operating income to assets0.7043%3,859
Return on assets (ROA)0.7043%3,921
Pretax return on assets0.8981%3,747
Return on Equity (ROE)6.7542%3,642
Retained earnings to average equity (ytd only)-0.9238%4,801
Net charge-offs to loans0.2306%883
Credit loss provision to net charge-offs180.3051%1,451
Earnings coverage of net charge-offs (x)6.6255%2,958
Efficiency ratio72.3281%1,824
Assets per employee ($millions)4.8170%2,820
Cash dividends to net income (ytd only)*113.6780%202
Condition Ratios (%)
Loss allowance to loans1.5263%1,153
Loan loss allowance to noncurrent loans218.7970%1,959
Noncurrent assets plus other real estate owned to assets0.5588%2,212
Noncurrent loans to loans0.6976%2,136
Net loans and leases to total assets78.8777%954
Net loans and leases to deposits88.5116%1,770
Net loans and leases to core deposits93.3070%2,130
Total domestic deposits to total assets89.1157%622
Equity capital to assets10.1369%3,798
Core capital (leverage) ratio10.3372%3,152
Tier 1 risk-based capital ratio12.6326%3,988
Total risk-based capital ratio13.8859%3,874
Memoranda:
Average total assets$387,171,8001,777
Average earning assets$358,066,0001,788
Average equity$40,374,6001,914
Average total loans$312,707,0001,550
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0634%1,381
Cost of funding earning assets0.7976%2,732
Net interest margin4.2658%1,232
Noninterest income to average assets0.5141%2,645
Noninterest expense to average assets3.2329%1,405
Loan and lease loss provision to assets0.3135%462
Net operating income to assets0.6837%4,062
Return on assets (ROA)0.6837%4,123
Pretax return on assets0.9094%3,844
Return on Equity (ROE)6.5084%3,878
Retained earnings to average equity (ytd only)-3.7697%5,017
Net charge-offs to loans-0.0073%4,302
Credit loss provision to net charge-offs-5,294.1176%4,640
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5553%1,754
Assets per employee ($millions)4.5792%3,083
Cash dividends to net income (ytd only)*157.9214%102
Condition Ratios (%)
Loss allowance to loans1.6598%880
Loan loss allowance to noncurrent loans224.3209%1,913
Noncurrent assets plus other real estate owned to assets0.6125%2,164
Noncurrent loans to loans0.7399%2,113
Net loans and leases to total assets81.4059%642
Net loans and leases to deposits91.7861%1,463
Net loans and leases to core deposits97.2861%1,876
Total domestic deposits to total assets88.6909%745
Equity capital to assets10.4556%3,578
Core capital (leverage) ratio10.4950%3,104
Tier 1 risk-based capital ratio12.4984%4,145
Total risk-based capital ratio13.7534%4,015
Memoranda:
Average total assets$382,807,2501,807
Average earning assets$353,722,2501,813
Average equity$40,214,0001,928
Average total loans$309,856,2501,576
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0200%1,425
Cost of funding earning assets0.8001%2,642
Net interest margin4.2200%1,313
Noninterest income to average assets0.5291%2,513
Noninterest expense to average assets3.2366%1,435
Loan and lease loss provision to assets0.3140%430
Net operating income to assets0.6662%4,109
Return on assets (ROA)0.6662%4,161
Pretax return on assets0.8786%3,911
Return on Equity (ROE)6.3313%3,932
Retained earnings to average equity (ytd only)-9.0867%5,159
Net charge-offs to loans-0.0065%4,196
Credit loss provision to net charge-offs-6,000.0000%4,500
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0742%1,765
Assets per employee ($millions)4.5176%3,111
Cash dividends to net income (ytd only)*243.5192%56
Condition Ratios (%)
Loss allowance to loans1.5968%1,035
Loan loss allowance to noncurrent loans208.2845%2,088
Noncurrent assets plus other real estate owned to assets0.6374%2,133
Noncurrent loans to loans0.7666%2,064
Net loans and leases to total assets81.8153%633
Net loans and leases to deposits92.1799%1,473
Net loans and leases to core deposits98.8433%1,820
Total domestic deposits to total assets88.7561%763
Equity capital to assets10.5030%3,514
Core capital (leverage) ratio10.2979%3,288
Tier 1 risk-based capital ratio12.7297%3,995
Total risk-based capital ratio13.9841%3,896
Memoranda:
Average total assets$382,191,3301,815
Average earning assets$353,226,6701,823
Average equity$40,212,6701,922
Average total loans$307,002,6701,588
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9616%1,436
Cost of funding earning assets0.7718%2,677
Net interest margin4.1898%1,322
Noninterest income to average assets0.4624%2,789
Noninterest expense to average assets3.1674%1,579
Loan and lease loss provision to assets0.3110%409
Net operating income to assets0.6656%4,040
Return on assets (ROA)0.6656%4,077
Pretax return on assets0.8564%3,905
Return on Equity (ROE)6.3208%3,910
Retained earnings to average equity (ytd only)1.3981%4,222
Net charge-offs to loans-0.0039%3,968
Credit loss provision to net charge-offs-10,000.0000%4,244
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0686%1,871
Assets per employee ($millions)4.6419%2,987
Cash dividends to net income (ytd only)*77.8816%969
Condition Ratios (%)
Loss allowance to loans1.5049%1,324
Loan loss allowance to noncurrent loans197.8399%2,202
Noncurrent assets plus other real estate owned to assets0.6590%2,117
Noncurrent loans to loans0.7607%2,128
Net loans and leases to total assets79.3475%929
Net loans and leases to deposits89.5363%1,683
Net loans and leases to core deposits100.6174%1,563
Total domestic deposits to total assets88.6205%1,026
Equity capital to assets10.6110%3,247
Core capital (leverage) ratio10.7344%2,818
Tier 1 risk-based capital ratio13.1763%3,787
Total risk-based capital ratio14.4293%3,697
Memoranda:
Average total assets$385,808,0001,822
Average earning assets$356,576,5001,820
Average equity$40,628,0001,905
Average total loans$304,628,5001,613
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8643%1,382
Cost of funding earning assets0.5978%2,737
Net interest margin4.2666%1,237
Noninterest income to average assets0.5592%2,496
Noninterest expense to average assets3.3068%1,306
Loan and lease loss provision to assets0.2214%812
Net operating income to assets0.7388%4,007
Return on assets (ROA)0.7388%4,010
Pretax return on assets0.9376%3,793
Return on Equity (ROE)6.6671%3,947
Retained earnings to average equity (ytd only)3.6135%3,597
Net charge-offs to loans-0.0177%4,667
Credit loss provision to net charge-offs-1,570.0000%4,797
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0481%1,622
Assets per employee ($millions)4.6546%2,955
Cash dividends to net income (ytd only)*45.8015%2,199
Condition Ratios (%)
Loss allowance to loans1.4615%1,412
Loan loss allowance to noncurrent loans184.6154%2,372
Noncurrent assets plus other real estate owned to assets0.6585%2,078
Noncurrent loans to loans0.7916%2,026
Net loans and leases to total assets76.2310%1,572
Net loans and leases to deposits85.8746%2,290
Net loans and leases to core deposits95.5509%2,094
Total domestic deposits to total assets88.7701%960
Equity capital to assets10.4505%3,238
Core capital (leverage) ratio11.2257%2,324
Tier 1 risk-based capital ratio13.4924%3,551
Total risk-based capital ratio14.7444%3,460
Memoranda:
Average total assets$354,638,2001,901
Average earning assets$324,711,2001,909
Average equity$39,297,4001,896
Average total loans$282,115,4001,666
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8589%1,282
Cost of funding earning assets0.5630%2,761
Net interest margin4.2959%1,120
Noninterest income to average assets0.5588%2,527
Noninterest expense to average assets3.3610%1,176
Loan and lease loss provision to assets0.1865%964
Net operating income to assets0.7441%4,096
Return on assets (ROA)0.7441%4,104
Pretax return on assets0.9345%3,914
Return on Equity (ROE)6.6104%4,073
Retained earnings to average equity (ytd only)2.5110%4,393
Net charge-offs to loans-0.0221%4,660
Credit loss provision to net charge-offs-1,054.3478%4,645
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9893%1,465
Assets per employee ($millions)4.3305%3,384
Cash dividends to net income (ytd only)*62.0154%1,129
Condition Ratios (%)
Loss allowance to loans1.3887%1,748
Loan loss allowance to noncurrent loans169.1219%2,526
Noncurrent assets plus other real estate owned to assets0.7181%2,061
Noncurrent loans to loans0.8211%2,064
Net loans and leases to total assets80.2896%973
Net loans and leases to deposits90.9228%1,769
Net loans and leases to core deposits102.0741%1,609
Total domestic deposits to total assets88.3052%1,117
Equity capital to assets10.9419%2,715
Core capital (leverage) ratio11.1691%2,435
Tier 1 risk-based capital ratio13.6559%3,543
Total risk-based capital ratio14.9072%3,456
Memoranda:
Average total assets$346,714,0001,939
Average earning assets$316,637,2501,950
Average equity$39,028,2501,905
Average total loans$277,925,5001,691
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7686%1,333
Cost of funding earning assets0.5087%2,948
Net interest margin4.2599%1,134
Noninterest income to average assets0.5682%2,484
Noninterest expense to average assets3.3427%1,227
Loan and lease loss provision to assets0.1080%1,818
Net operating income to assets0.7977%3,863
Return on assets (ROA)0.7977%3,863
Pretax return on assets1.0050%3,646
Return on Equity (ROE)7.0181%3,898
Retained earnings to average equity (ytd only)0.8529%4,791
Net charge-offs to loans-0.0271%4,709
Credit loss provision to net charge-offs-500.0000%4,361
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0197%1,560
Assets per employee ($millions)4.2472%3,503
Cash dividends to net income (ytd only)*87.8477%551
Condition Ratios (%)
Loss allowance to loans1.2921%2,206
Loan loss allowance to noncurrent loans4,314.9425%177
Noncurrent assets plus other real estate owned to assets0.0743%4,638
Noncurrent loans to loans0.0299%4,785
Net loans and leases to total assets80.3865%960
Net loans and leases to deposits90.9639%1,714
Net loans and leases to core deposits114.8708%753
Total domestic deposits to total assets88.3719%1,191
Equity capital to assets10.9153%2,717
Core capital (leverage) ratio11.4561%2,105
Tier 1 risk-based capital ratio13.3787%3,690
Total risk-based capital ratio14.6284%3,610
Memoranda:
Average total assets$342,474,0001,961
Average earning assets$312,544,3301,976
Average equity$38,928,0001,905
Average total loans$273,016,6701,720
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6548%1,419
Cost of funding earning assets0.4183%3,461
Net interest margin4.2365%1,087
Noninterest income to average assets0.6215%2,164
Noninterest expense to average assets3.5046%993
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7742%3,816
Return on assets (ROA)0.7742%3,814
Pretax return on assets0.9710%3,633
Return on Equity (ROE)6.6699%3,919
Retained earnings to average equity (ytd only)-5.6628%5,233
Net charge-offs to loans-0.0454%4,928
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3049%1,324
Assets per employee ($millions)3.9976%3,983
Cash dividends to net income (ytd only)*184.8998%217
Condition Ratios (%)
Loss allowance to loans1.3145%2,177
Loan loss allowance to noncurrent loans29,683.3333%32
Noncurrent assets plus other real estate owned to assets0.0562%4,814
Noncurrent loans to loans0.0044%5,005
Net loans and leases to total assets78.7021%1,127
Net loans and leases to deposits91.3977%1,516
Net loans and leases to core deposits115.8752%729
Total domestic deposits to total assets86.1095%2,501
Equity capital to assets11.2656%2,333
Core capital (leverage) ratio11.7472%1,817
Tier 1 risk-based capital ratio13.9270%3,414
Total risk-based capital ratio15.1778%3,336
Memoranda:
Average total assets$335,328,5001,997
Average earning assets$305,061,0002,024
Average equity$38,921,0001,915
Average total loans$264,252,5001,773
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6596%1,288
Cost of funding earning assets0.3927%3,311
Net interest margin4.2669%1,045
Noninterest income to average assets0.5405%2,770
Noninterest expense to average assets3.3815%1,234
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.6898%3,641
Return on assets (ROA)0.7173%3,575
Pretax return on assets1.0614%3,336
Return on Equity (ROE)6.0667%3,733
Retained earnings to average equity (ytd only)4.0358%2,762
Net charge-offs to loans-0.0128%4,855
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8082%1,512
Assets per employee ($millions)3.8925%4,131
Cash dividends to net income (ytd only)*33.4755%3,152
Condition Ratios (%)
Loss allowance to loans1.3716%1,874
Loan loss allowance to noncurrent loans23,546.6667%46
Noncurrent assets plus other real estate owned to assets0.2714%3,802
Noncurrent loans to loans0.0058%5,033
Net loans and leases to total assets76.7647%1,470
Net loans and leases to deposits93.7588%1,301
Net loans and leases to core deposits114.2918%786
Total domestic deposits to total assets81.8747%3,900
Equity capital to assets11.9572%1,860
Core capital (leverage) ratio12.0180%1,594
Tier 1 risk-based capital ratio14.7465%2,964
Total risk-based capital ratio15.9968%2,903
Memoranda:
Average total assets$326,922,0002,028
Average earning assets$295,903,6002,064
Average equity$38,653,6001,911
Average total loans$249,997,2001,815
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6443%1,259
Cost of funding earning assets0.3819%3,360
Net interest margin4.2623%1,018
Noninterest income to average assets0.5441%2,754
Noninterest expense to average assets3.3560%1,233
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7090%3,936
Return on assets (ROA)0.7412%3,843
Pretax return on assets1.0930%3,328
Return on Equity (ROE)6.2872%3,989
Retained earnings to average equity (ytd only)3.5634%3,792
Net charge-offs to loans-0.0328%5,027
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2454%1,556
Assets per employee ($millions)4.0828%3,852
Cash dividends to net income (ytd only)*43.3223%2,110
Condition Ratios (%)
Loss allowance to loans1.3904%1,932
Loan loss allowance to noncurrent loans17,805.0000%56
Noncurrent assets plus other real estate owned to assets0.2682%3,999
Noncurrent loans to loans0.0078%5,110
Net loans and leases to total assets76.3645%1,523
Net loans and leases to deposits90.0743%1,802
Net loans and leases to core deposits115.4428%768
Total domestic deposits to total assets84.7794%2,804
Equity capital to assets11.8890%2,043
Core capital (leverage) ratio11.4661%2,042
Tier 1 risk-based capital ratio14.1432%3,383
Total risk-based capital ratio15.3944%3,284
Memoranda:
Average total assets$325,936,7502,046
Average earning assets$294,979,5002,080
Average equity$38,426,5001,937
Average total loans$248,117,0001,833
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5212%1,464
Cost of funding earning assets0.3486%3,597
Net interest margin4.1726%1,140
Noninterest income to average assets0.5500%2,718
Noninterest expense to average assets3.3162%1,344
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6772%3,950
Return on assets (ROA)0.7252%3,805
Pretax return on assets1.0766%3,277
Return on Equity (ROE)6.1685%3,971
Retained earnings to average equity (ytd only)2.0509%4,435
Net charge-offs to loans-0.0008%4,129
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7409%1,616
Assets per employee ($millions)4.2455%3,528
Cash dividends to net income (ytd only)*66.7517%1,253
Condition Ratios (%)
Loss allowance to loans1.3456%2,198
Loan loss allowance to noncurrent loans7,780.0000%103
Noncurrent assets plus other real estate owned to assets0.2709%4,038
Noncurrent loans to loans0.0173%5,103
Net loans and leases to total assets75.5766%1,595
Net loans and leases to deposits95.0453%1,171
Net loans and leases to core deposits116.2369%702
Total domestic deposits to total assets79.5164%4,509
Equity capital to assets11.4054%2,403
Core capital (leverage) ratio11.6169%1,885
Tier 1 risk-based capital ratio13.3395%3,783
Total risk-based capital ratio14.5683%3,708
Memoranda:
Average total assets$324,345,6702,058
Average earning assets$293,152,3302,101
Average equity$38,129,3301,949
Average total loans$245,454,0001,851
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4274%1,561
Cost of funding earning assets0.3321%3,733
Net interest margin4.0953%1,224
Noninterest income to average assets0.5608%2,606
Noninterest expense to average assets3.4594%1,100
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5369%4,435
Return on assets (ROA)0.6366%4,038
Pretax return on assets0.9397%3,629
Return on Equity (ROE)5.3297%4,232
Retained earnings to average equity (ytd only)-2.9715%5,261
Net charge-offs to loans0.0101%2,630
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)104.6667%516
Efficiency ratio81.3484%1,220
Assets per employee ($millions)4.1252%3,797
Cash dividends to net income (ytd only)*155.7540%368
Condition Ratios (%)
Loss allowance to loans1.4460%1,878
Loan loss allowance to noncurrent loans893.6061%654
Noncurrent assets plus other real estate owned to assets0.3950%3,617
Noncurrent loans to loans0.1618%4,539
Net loans and leases to total assets74.0065%1,744
Net loans and leases to deposits85.4557%2,097
Net loans and leases to core deposits105.3990%1,145
Total domestic deposits to total assets86.6022%2,402
Equity capital to assets11.7155%2,024
Core capital (leverage) ratio11.7139%1,818
Tier 1 risk-based capital ratio13.7004%3,660
Total risk-based capital ratio14.9514%3,565
Memoranda:
Average total assets$316,699,5002,112
Average earning assets$285,495,0002,161
Average equity$37,825,5001,967
Average total loans$238,087,0001,903
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2525%2,303
Cost of funding earning assets0.3342%3,702
Net interest margin3.9182%1,910
Noninterest income to average assets0.6755%2,291
Noninterest expense to average assets3.5612%1,063
Loan and lease loss provision to assets-0.0820%5,664
Net operating income to assets0.4971%4,645
Return on assets (ROA)0.4971%4,722
Pretax return on assets0.7021%4,479
Return on Equity (ROE)3.9917%4,836
Retained earnings to average equity (ytd only)1.3586%4,731
Net charge-offs to loans0.0332%3,363
Credit loss provision to net charge-offs-357.1429%5,111
Earnings coverage of net charge-offs (x)27.0143%1,530
Efficiency ratio85.1698%889
Assets per employee ($millions)4.0471%3,880
Cash dividends to net income (ytd only)*65.9631%1,500
Condition Ratios (%)
Loss allowance to loans1.4922%1,703
Loan loss allowance to noncurrent loans667.9389%832
Noncurrent assets plus other real estate owned to assets0.4643%3,402
Noncurrent loans to loans0.2234%4,350
Net loans and leases to total assets74.1424%1,831
Net loans and leases to deposits85.3443%2,258
Net loans and leases to core deposits104.7627%1,226
Total domestic deposits to total assets86.8745%2,209
Equity capital to assets12.1792%1,692
Core capital (leverage) ratio12.1047%1,534
Tier 1 risk-based capital ratio13.8203%3,567
Total risk-based capital ratio15.0729%3,474
Memoranda:
Average total assets$304,955,2002,138
Average earning assets$272,853,8002,193
Average equity$37,979,2001,927
Average total loans$211,022,8002,038
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1879%2,553
Cost of funding earning assets0.3326%3,755
Net interest margin3.8553%2,140
Noninterest income to average assets0.7838%1,832
Noninterest expense to average assets3.5635%1,050
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.4792%4,770
Return on assets (ROA)0.4792%4,857
Pretax return on assets0.6651%4,699
Return on Equity (ROE)3.8259%4,968
Retained earnings to average equity (ytd only)0.3159%5,268
Net charge-offs to loans-0.0377%5,261
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2707%977
Assets per employee ($millions)4.0650%3,848
Cash dividends to net income (ytd only)*91.7429%508
Condition Ratios (%)
Loss allowance to loans1.7496%1,101
Loan loss allowance to noncurrent loans441.6856%1,178
Noncurrent assets plus other real estate owned to assets0.5286%3,341
Noncurrent loans to loans0.3961%3,849
Net loans and leases to total assets70.4908%2,421
Net loans and leases to deposits81.3261%2,816
Net loans and leases to core deposits97.8636%1,825
Total domestic deposits to total assets86.6767%2,044
Equity capital to assets12.3949%1,840
Core capital (leverage) ratio12.1577%1,570
Tier 1 risk-based capital ratio14.8875%3,103
Total risk-based capital ratio16.1420%3,030
Memoranda:
Average total assets$303,286,5002,157
Average earning assets$270,996,7502,208
Average equity$37,985,5001,937
Average total loans$205,141,0002,089
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0800%2,945
Cost of funding earning assets0.3340%3,754
Net interest margin3.7460%2,530
Noninterest income to average assets0.7319%1,995
Noninterest expense to average assets3.4851%1,187
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4107%5,003
Return on assets (ROA)0.4107%5,087
Pretax return on assets0.5813%4,936
Return on Equity (ROE)3.2680%5,170
Retained earnings to average equity (ytd only)-2.0115%5,543
Net charge-offs to loans0.0341%2,769
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)25.7647%1,504
Efficiency ratio85.7050%908
Assets per employee ($millions)4.0712%3,782
Cash dividends to net income (ytd only)*161.5509%176
Condition Ratios (%)
Loss allowance to loans1.8429%1,000
Loan loss allowance to noncurrent loans328.6458%1,507
Noncurrent assets plus other real estate owned to assets0.6403%3,079
Noncurrent loans to loans0.5608%3,386
Net loans and leases to total assets66.0405%3,077
Net loans and leases to deposits76.3202%3,345
Net loans and leases to core deposits90.8414%2,451
Total domestic deposits to total assets86.5308%2,154
Equity capital to assets12.4163%1,831
Core capital (leverage) ratio11.8170%1,753
Tier 1 risk-based capital ratio15.3185%2,931
Total risk-based capital ratio16.5739%2,865
Memoranda:
Average total assets$301,401,6702,176
Average earning assets$268,283,0002,245
Average equity$37,883,0001,946
Average total loans$199,637,0002,128
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0205%3,150
Cost of funding earning assets0.3334%3,790
Net interest margin3.6871%2,720
Noninterest income to average assets0.7922%1,650
Noninterest expense to average assets3.5828%1,044
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.3447%5,165
Return on assets (ROA)0.3447%5,253
Pretax return on assets0.4742%5,152
Return on Equity (ROE)2.7252%5,317
Retained earnings to average equity (ytd only)-7.8376%5,742
Net charge-offs to loans0.0264%2,410
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)27.3077%1,248
Efficiency ratio88.3108%787
Assets per employee ($millions)3.9191%4,089
Cash dividends to net income (ytd only)*387.5969%72
Condition Ratios (%)
Loss allowance to loans1.9215%936
Loan loss allowance to noncurrent loans313.5914%1,553
Noncurrent assets plus other real estate owned to assets0.6550%3,093
Noncurrent loans to loans0.6127%3,336
Net loans and leases to total assets62.7630%3,419
Net loans and leases to deposits72.1921%3,633
Net loans and leases to core deposits84.2973%2,907
Total domestic deposits to total assets86.9389%2,237
Equity capital to assets12.1219%1,941
Core capital (leverage) ratio11.7898%1,760
Tier 1 risk-based capital ratio16.1504%2,607
Total risk-based capital ratio17.4072%2,558
Memoranda:
Average total assets$299,432,5002,194
Average earning assets$265,143,5002,269
Average equity$37,868,5001,937
Average total loans$196,738,5002,152
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2621%2,343
Cost of funding earning assets0.3063%4,180
Net interest margin3.9558%1,855
Noninterest income to average assets0.7176%2,113
Noninterest expense to average assets3.5071%1,281
Loan and lease loss provision to assets-0.0160%5,654
Net operating income to assets0.5555%4,475
Return on assets (ROA)0.5555%4,569
Pretax return on assets0.7521%4,356
Return on Equity (ROE)4.1251%4,891
Retained earnings to average equity (ytd only)1.4859%4,873
Net charge-offs to loans0.1069%2,321
Credit loss provision to net charge-offs-21.6346%4,992
Earnings coverage of net charge-offs (x)9.9567%2,755
Efficiency ratio82.6520%1,315
Assets per employee ($millions)3.8568%4,195
Cash dividends to net income (ytd only)*63.9795%1,536
Condition Ratios (%)
Loss allowance to loans1.9554%874
Loan loss allowance to noncurrent loans291.3806%1,688
Noncurrent assets plus other real estate owned to assets0.7464%2,817
Noncurrent loans to loans0.6711%3,180
Net loans and leases to total assets66.2147%2,953
Net loans and leases to deposits77.2546%3,135
Net loans and leases to core deposits92.0623%2,211
Total domestic deposits to total assets85.7097%2,770
Equity capital to assets13.2086%1,254
Core capital (leverage) ratio13.1511%1,095
Tier 1 risk-based capital ratio16.6435%2,409
Total risk-based capital ratio17.9007%2,369
Memoranda:
Average total assets$281,346,6002,261
Average earning assets$250,744,4002,333
Average equity$37,890,4001,891
Average total loans$194,591,0002,127
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2704%2,333
Cost of funding earning assets0.3028%4,312
Net interest margin3.9676%1,815
Noninterest income to average assets0.7378%2,076
Noninterest expense to average assets3.3236%1,643
Loan and lease loss provision to assets0.1002%2,177
Net operating income to assets0.6476%4,143
Return on assets (ROA)0.6476%4,257
Pretax return on assets0.8724%4,083
Return on Equity (ROE)4.7851%4,722
Retained earnings to average equity (ytd only)1.2589%5,217
Net charge-offs to loans0.3121%854
Credit loss provision to net charge-offs46.1538%3,078
Earnings coverage of net charge-offs (x)4.4791%3,343
Efficiency ratio77.3606%2,039
Assets per employee ($millions)3.7932%4,277
Cash dividends to net income (ytd only)*73.6919%899
Condition Ratios (%)
Loss allowance to loans1.9530%988
Loan loss allowance to noncurrent loans517.2973%1,002
Noncurrent assets plus other real estate owned to assets0.5803%3,546
Noncurrent loans to loans0.3775%4,259
Net loans and leases to total assets69.4036%2,477
Net loans and leases to deposits81.5186%2,703
Net loans and leases to core deposits98.4710%1,652
Total domestic deposits to total assets85.1384%2,954
Equity capital to assets13.7825%1,110
Core capital (leverage) ratio13.2077%1,131
Tier 1 risk-based capital ratio16.3384%2,653
Total risk-based capital ratio17.5934%2,598
Memoranda:
Average total assets$279,368,5002,291
Average earning assets$250,553,7502,355
Average equity$37,811,2501,908
Average total loans$194,400,7502,142
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1899%2,579
Cost of funding earning assets0.2987%4,411
Net interest margin3.8912%2,011
Noninterest income to average assets0.7124%2,168
Noninterest expense to average assets3.3270%1,633
Loan and lease loss provision to assets0.1499%1,423
Net operating income to assets0.5453%4,575
Return on assets (ROA)0.5453%4,686
Pretax return on assets0.7324%4,553
Return on Equity (ROE)4.0537%5,000
Retained earnings to average equity (ytd only)-1.2522%5,730
Net charge-offs to loans0.0010%3,873
Credit loss provision to net charge-offs21,000.0000%20
Earnings coverage of net charge-offs (x)1,236.0000%48
Efficiency ratio79.0402%1,907
Assets per employee ($millions)3.6672%4,500
Cash dividends to net income (ytd only)*130.8901%253
Condition Ratios (%)
Loss allowance to loans2.2054%729
Loan loss allowance to noncurrent loans212.8231%2,141
Noncurrent assets plus other real estate owned to assets1.0150%2,484
Noncurrent loans to loans1.0363%2,573
Net loans and leases to total assets67.2433%2,760
Net loans and leases to deposits78.5274%2,968
Net loans and leases to core deposits96.6197%1,748
Total domestic deposits to total assets85.6304%2,865
Equity capital to assets13.3313%1,246
Core capital (leverage) ratio12.8089%1,253
Tier 1 risk-based capital ratio16.0090%2,857
Total risk-based capital ratio17.2669%2,807
Memoranda:
Average total assets$280,190,6702,302
Average earning assets$251,798,6702,359
Average equity$37,693,6701,920
Average total loans$193,865,0002,141
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2085%2,418
Cost of funding earning assets0.2929%4,522
Net interest margin3.9156%1,837
Noninterest income to average assets0.6908%2,201
Noninterest expense to average assets3.1530%2,117
Loan and lease loss provision to assets0.1505%1,357
Net operating income to assets0.6736%3,928
Return on assets (ROA)0.6736%4,047
Pretax return on assets0.9129%3,843
Return on Equity (ROE)4.9843%4,537
Retained earnings to average equity (ytd only)-5.6206%5,974
Net charge-offs to loans-0.1177%5,913
Credit loss provision to net charge-offs-184.2105%4,590
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7791%2,693
Assets per employee ($millions)3.7640%4,400
Cash dividends to net income (ytd only)*212.7660%207
Condition Ratios (%)
Loss allowance to loans2.1959%810
Loan loss allowance to noncurrent loans148.7882%2,812
Noncurrent assets plus other real estate owned to assets1.1169%2,398
Noncurrent loans to loans1.4759%1,918
Net loans and leases to total assets66.8321%2,631
Net loans and leases to deposits78.0069%2,803
Net loans and leases to core deposits95.3004%1,672
Total domestic deposits to total assets85.6746%3,106
Equity capital to assets13.2698%1,272
Core capital (leverage) ratio12.7144%1,268
Tier 1 risk-based capital ratio16.3611%2,748
Total risk-based capital ratio17.6191%2,684
Memoranda:
Average total assets$279,099,5002,319
Average earning assets$251,299,5002,377
Average equity$37,718,5001,932
Average total loans$193,718,0002,137
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3679%2,330
Cost of funding earning assets0.2938%4,852
Net interest margin4.0741%1,667
Noninterest income to average assets0.7780%1,956
Noninterest expense to average assets3.9437%813
Loan and lease loss provision to assets-0.0880%6,123
Net operating income to assets0.4530%5,007
Return on assets (ROA)0.4605%5,058
Pretax return on assets0.5979%4,950
Return on Equity (ROE)3.3090%5,373
Retained earnings to average equity (ytd only)3.3090%3,871
Net charge-offs to loans-0.6250%6,419
Credit loss provision to net charge-offs20.3993%3,970
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.7438%932
Assets per employee ($millions)3.6786%4,571
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.0938%956
Loan loss allowance to noncurrent loans151.1317%2,801
Noncurrent assets plus other real estate owned to assets1.0914%2,567
Noncurrent loans to loans1.3854%2,114
Net loans and leases to total assets69.0325%2,391
Net loans and leases to deposits81.1337%2,588
Net loans and leases to core deposits96.4647%1,684
Total domestic deposits to total assets85.0850%3,252
Equity capital to assets13.7646%1,041
Core capital (leverage) ratio13.2325%1,045
Tier 1 risk-based capital ratio17.0654%2,488
Total risk-based capital ratio18.3237%2,437
Memoranda:
Average total assets$267,086,2002,371
Average earning assets$240,320,4002,427
Average equity$37,171,8001,894
Average total loans$184,314,2002,181
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3668%2,360
Cost of funding earning assets0.2948%4,929
Net interest margin4.0720%1,665
Noninterest income to average assets0.7525%2,083
Noninterest expense to average assets3.5220%1,430
Loan and lease loss provision to assets0.3347%544
Net operating income to assets0.4353%5,126
Return on assets (ROA)0.4455%5,169
Pretax return on assets0.5733%5,115
Return on Equity (ROE)3.1916%5,477
Retained earnings to average equity (ytd only)3.1916%4,358
Net charge-offs to loans-0.6580%6,482
Credit loss provision to net charge-offs-74.1360%5,402
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.7379%1,958
Assets per employee ($millions)3.5849%4,707
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.5066%648
Loan loss allowance to noncurrent loans97.1193%3,738
Noncurrent assets plus other real estate owned to assets1.9511%1,490
Noncurrent loans to loans2.5810%1,117
Net loans and leases to total assets69.2015%2,325
Net loans and leases to deposits82.0522%2,415
Net loans and leases to core deposits101.2777%1,265
Total domestic deposits to total assets84.3384%3,622
Equity capital to assets14.1625%950
Core capital (leverage) ratio13.6502%946
Tier 1 risk-based capital ratio17.6665%2,330
Total risk-based capital ratio17.6665%2,802
Memoranda:
Average total assets$264,883,7502,414
Average earning assets$238,370,2502,456
Average equity$36,970,7501,906
Average total loans$181,760,0002,224
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3754%2,274
Cost of funding earning assets0.2905%5,072
Net interest margin4.0849%1,559
Noninterest income to average assets0.6988%2,285
Noninterest expense to average assets3.5928%1,309
Loan and lease loss provision to assets0.3966%418
Net operating income to assets0.3110%5,531
Return on assets (ROA)0.3263%5,550
Pretax return on assets0.4042%5,550
Return on Equity (ROE)2.3497%5,750
Retained earnings to average equity (ytd only)2.3497%4,711
Net charge-offs to loans0.4856%825
Credit loss provision to net charge-offs120.4128%1,713
Earnings coverage of net charge-offs (x)2.3739%3,563
Efficiency ratio82.1274%1,724
Assets per employee ($millions)3.5881%4,688
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.7740%1,910
Loan loss allowance to noncurrent loans153.6204%2,665
Noncurrent assets plus other real estate owned to assets1.1216%2,839
Noncurrent loans to loans1.1548%2,919
Net loans and leases to total assets67.6927%2,464
Net loans and leases to deposits85.4014%1,877
Net loans and leases to core deposits101.3865%1,178
Total domestic deposits to total assets79.2641%5,400
Equity capital to assets13.9954%972
Core capital (leverage) ratio13.4336%996
Tier 1 risk-based capital ratio17.3964%2,464
Total risk-based capital ratio18.6506%2,422
Memoranda:
Average total assets$264,749,6702,413
Average earning assets$238,243,0002,466
Average equity$36,770,6701,910
Average total loans$179,579,3302,238
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3056%2,499
Cost of funding earning assets0.2807%5,280
Net interest margin4.0249%1,666
Noninterest income to average assets0.6536%2,442
Noninterest expense to average assets3.4588%1,572
Loan and lease loss provision to assets0.4917%307
Net operating income to assets0.2860%5,547
Return on assets (ROA)0.2860%5,590
Pretax return on assets0.3268%5,660
Return on Equity (ROE)2.0669%5,766
Retained earnings to average equity (ytd only)2.0669%4,777
Net charge-offs to loans0.7061%507
Credit loss provision to net charge-offs103.5032%1,608
Earnings coverage of net charge-offs (x)1.7229%3,031
Efficiency ratio80.8631%2,070
Assets per employee ($millions)3.5318%4,860
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7304%2,247
Loan loss allowance to noncurrent loans200.5063%2,087
Noncurrent assets plus other real estate owned to assets0.9109%3,454
Noncurrent loans to loans0.8630%3,737
Net loans and leases to total assets67.0280%2,389
Net loans and leases to deposits83.1048%1,936
Net loans and leases to core deposits96.5463%1,346
Total domestic deposits to total assets80.6549%5,332
Equity capital to assets13.6887%1,040
Core capital (leverage) ratio13.6516%935
Tier 1 risk-based capital ratio17.2864%2,559
Total risk-based capital ratio18.5378%2,524
Memoranda:
Average total assets$264,366,5002,421
Average earning assets$238,015,5002,468
Average equity$36,576,0001,915
Average total loans$177,878,5002,258
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1022%3,729
Cost of funding earning assets0.3019%5,581
Net interest margin3.8003%2,656
Noninterest income to average assets0.7829%2,153
Noninterest expense to average assets3.7303%1,239
Loan and lease loss provision to assets0.1603%2,278
Net operating income to assets0.2587%5,661
Return on assets (ROA)0.2941%5,635
Pretax return on assets0.3398%5,628
Return on Equity (ROE)2.0622%5,822
Retained earnings to average equity (ytd only)2.0622%4,772
Net charge-offs to loans0.7363%870
Credit loss provision to net charge-offs36.3153%4,123
Earnings coverage of net charge-offs (x)1.0407%4,729
Efficiency ratio89.0330%1,105
Assets per employee ($millions)3.4709%4,957
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.8283%1,981
Loan loss allowance to noncurrent loans195.9652%2,132
Noncurrent assets plus other real estate owned to assets0.9512%3,522
Noncurrent loans to loans0.9330%3,659
Net loans and leases to total assets65.1198%2,839
Net loans and leases to deposits79.9042%2,471
Net loans and leases to core deposits91.3272%1,871
Total domestic deposits to total assets81.4973%5,036
Equity capital to assets13.9866%903
Core capital (leverage) ratio14.2141%766
Tier 1 risk-based capital ratio17.8824%2,279
Total risk-based capital ratio19.1370%2,244
Memoranda:
Average total assets$255,719,2002,476
Average earning assets$229,245,0002,521
Average equity$36,465,6001,896
Average total loans$153,330,2002,514
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0485%3,940
Cost of funding earning assets0.3082%5,663
Net interest margin3.7403%2,885
Noninterest income to average assets0.8045%2,119
Noninterest expense to average assets3.7673%1,130
Loan and lease loss provision to assets0.2147%1,699
Net operating income to assets0.1682%5,992
Return on assets (ROA)0.2210%5,943
Pretax return on assets0.2268%5,999
Return on Equity (ROE)1.5424%6,062
Retained earnings to average equity (ytd only)1.5424%5,363
Net charge-offs to loans1.0658%532
Credit loss provision to net charge-offs34.5409%3,814
Earnings coverage of net charge-offs (x)0.6226%4,648
Efficiency ratio90.6833%937
Assets per employee ($millions)3.3378%5,210
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9971%1,724
Loan loss allowance to noncurrent loans167.2423%2,323
Noncurrent assets plus other real estate owned to assets1.1692%3,316
Noncurrent loans to loans1.1941%3,433
Net loans and leases to total assets62.4124%3,284
Net loans and leases to deposits74.9534%3,094
Net loans and leases to core deposits86.9915%2,281
Total domestic deposits to total assets83.2683%4,473
Equity capital to assets14.8570%738
Core capital (leverage) ratio14.1866%822
Tier 1 risk-based capital ratio19.4208%1,880
Total risk-based capital ratio20.6763%1,849
Memoranda:
Average total assets$254,570,5002,502
Average earning assets$227,996,7502,545
Average equity$36,479,7501,913
Average total loans$148,494,5002,595
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0090%4,073
Cost of funding earning assets0.3080%5,766
Net interest margin3.7010%2,953
Noninterest income to average assets0.8110%2,142
Noninterest expense to average assets3.7025%1,244
Loan and lease loss provision to assets0.2943%1,229
Net operating income to assets0.1240%6,076
Return on assets (ROA)0.2022%6,015
Pretax return on assets0.2084%6,072
Return on Equity (ROE)1.4273%6,112
Retained earnings to average equity (ytd only)1.4273%5,310
Net charge-offs to loans1.6408%304
Credit loss provision to net charge-offs31.6667%3,557
Earnings coverage of net charge-offs (x)0.4542%4,388
Efficiency ratio89.7653%1,066
Assets per employee ($millions)3.5688%4,709
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.1055%1,624
Loan loss allowance to noncurrent loans125.7507%2,911
Noncurrent assets plus other real estate owned to assets1.4512%2,926
Noncurrent loans to loans1.6743%2,801
Net loans and leases to total assets55.3145%4,396
Net loans and leases to deposits64.9283%4,385
Net loans and leases to core deposits75.5867%3,596
Total domestic deposits to total assets85.1932%3,801
Equity capital to assets14.0468%959
Core capital (leverage) ratio13.4413%1,004
Tier 1 risk-based capital ratio19.8742%1,746
Total risk-based capital ratio21.1303%1,721
Memoranda:
Average total assets$258,206,3302,474
Average earning assets$231,181,0002,527
Average equity$36,572,6701,911
Average total loans$146,267,6702,628
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0109%4,074
Cost of funding earning assets0.3149%5,847
Net interest margin3.6960%2,869
Noninterest income to average assets0.6939%2,625
Noninterest expense to average assets3.6070%1,412
Loan and lease loss provision to assets0.1391%2,505
Net operating income to assets0.2303%5,790
Return on assets (ROA)0.2303%5,915
Pretax return on assets0.2488%5,960
Return on Equity (ROE)1.6190%6,054
Retained earnings to average equity (ytd only)1.6190%5,176
Net charge-offs to loans2.6675%147
Credit loss provision to net charge-offs9.1931%3,152
Earnings coverage of net charge-offs (x)0.2564%3,735
Efficiency ratio90.2901%1,121
Assets per employee ($millions)3.7513%4,445
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0207%1,985
Loan loss allowance to noncurrent loans96.7606%3,452
Noncurrent assets plus other real estate owned to assets1.7498%2,671
Noncurrent loans to loans2.0884%2,519
Net loans and leases to total assets55.1540%4,215
Net loans and leases to deposits64.6717%4,233
Net loans and leases to core deposits75.5647%3,375
Total domestic deposits to total assets85.2830%3,910
Equity capital to assets14.0414%1,013
Core capital (leverage) ratio13.5444%929
Tier 1 risk-based capital ratio19.6552%1,863
Total risk-based capital ratio20.9104%1,838
Memoranda:
Average total assets$258,831,5002,499
Average earning assets$231,171,5002,565
Average equity$36,812,0001,927
Average total loans$146,806,0002,635
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3995%3,814
Cost of funding earning assets0.3479%6,229
Net interest margin4.0516%2,191
Noninterest income to average assets0.6805%2,834
Noninterest expense to average assets3.5318%1,754
Loan and lease loss provision to assets0.0960%4,453
Net operating income to assets0.5049%4,674
Return on assets (ROA)0.5691%4,643
Pretax return on assets0.7365%4,535
Return on Equity (ROE)3.9696%5,159
Retained earnings to average equity (ytd only)-0.6643%5,967
Net charge-offs to loans-0.0633%6,744
Credit loss provision to net charge-offs-271.7391%6,438
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4991%1,807
Assets per employee ($millions)3.5426%4,918
Cash dividends to net income (ytd only)*116.7341%343
Condition Ratios (%)
Loss allowance to loans2.6585%965
Loan loss allowance to noncurrent loans106.8063%3,174
Noncurrent assets plus other real estate owned to assets2.1986%2,234
Noncurrent loans to loans2.4891%2,128
Net loans and leases to total assets55.6391%4,356
Net loans and leases to deposits66.2024%4,255
Net loans and leases to core deposits77.0092%3,406
Total domestic deposits to total assets84.0439%4,295
Equity capital to assets14.4087%906
Core capital (leverage) ratio13.5044%941
Tier 1 risk-based capital ratio19.5734%1,795
Total risk-based capital ratio20.8347%1,757
Memoranda:
Average total assets$260,407,4002,435
Average earning assets$231,413,0002,488
Average equity$37,333,4001,859
Average total loans$145,313,8002,647
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4569%3,793
Cost of funding earning assets0.3547%6,354
Net interest margin4.1022%2,079
Noninterest income to average assets0.6928%2,743
Noninterest expense to average assets3.4863%1,792
Loan and lease loss provision to assets0.1274%3,954
Net operating income to assets0.5548%4,603
Return on assets (ROA)0.6388%4,445
Pretax return on assets0.8364%4,354
Return on Equity (ROE)4.4611%5,062
Retained earnings to average equity (ytd only)3.2871%4,559
Net charge-offs to loans0.2121%3,459
Credit loss provision to net charge-offs108.2251%2,712
Earnings coverage of net charge-offs (x)7.2511%2,629
Efficiency ratio80.3381%2,043
Assets per employee ($millions)3.4056%5,197
Cash dividends to net income (ytd only)*26.3158%2,794
Condition Ratios (%)
Loss allowance to loans2.4422%1,282
Loan loss allowance to noncurrent loans109.4578%2,987
Noncurrent assets plus other real estate owned to assets2.2953%2,317
Noncurrent loans to loans2.2312%2,578
Net loans and leases to total assets54.1229%4,732
Net loans and leases to deposits64.1285%4,697
Net loans and leases to core deposits74.0980%3,966
Total domestic deposits to total assets84.3975%4,036
Equity capital to assets14.6130%935
Core capital (leverage) ratio14.0490%824
Tier 1 risk-based capital ratio20.2508%1,696
Total risk-based capital ratio21.5096%1,664
Memoranda:
Average total assets$261,742,0002,442
Average earning assets$232,679,7502,500
Average equity$37,478,7501,877
Average total loans$145,193,7502,672
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5686%3,487
Cost of funding earning assets0.3675%6,431
Net interest margin4.2012%1,748
Noninterest income to average assets0.6101%3,195
Noninterest expense to average assets3.4934%1,801
Loan and lease loss provision to assets0.1911%3,185
Net operating income to assets0.4928%4,847
Return on assets (ROA)0.6017%4,614
Pretax return on assets0.8036%4,463
Return on Equity (ROE)4.2314%5,166
Retained earnings to average equity (ytd only)2.4571%4,960
Net charge-offs to loans-0.2054%6,998
Credit loss provision to net charge-offs-167.7852%6,118
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4401%2,108
Assets per employee ($millions)3.6108%4,734
Cash dividends to net income (ytd only)*41.9314%2,096
Condition Ratios (%)
Loss allowance to loans2.7044%1,029
Loan loss allowance to noncurrent loans309.4414%1,157
Noncurrent assets plus other real estate owned to assets1.4532%3,531
Noncurrent loans to loans0.8739%4,745
Net loans and leases to total assets54.4279%4,724
Net loans and leases to deposits64.2608%4,727
Net loans and leases to core deposits74.2902%3,983
Total domestic deposits to total assets84.6985%4,003
Equity capital to assets14.4302%941
Core capital (leverage) ratio13.5479%965
Tier 1 risk-based capital ratio19.7933%1,759
Total risk-based capital ratio21.0547%1,724
Memoranda:
Average total assets$261,578,3302,443
Average earning assets$232,411,3302,500
Average equity$37,198,3301,871
Average total loans$145,098,0002,684
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6161%3,433
Cost of funding earning assets0.3779%6,509
Net interest margin4.2382%1,645
Noninterest income to average assets0.5961%3,255
Noninterest expense to average assets3.2670%2,392
Loan and lease loss provision to assets0.2287%2,661
Net operating income to assets0.6403%4,171
Return on assets (ROA)0.6403%4,380
Pretax return on assets0.8613%4,187
Return on Equity (ROE)4.5356%5,023
Retained earnings to average equity (ytd only)0.9719%5,682
Net charge-offs to loans-0.2953%7,062
Credit loss provision to net charge-offs-140.1869%5,539
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9825%2,944
Assets per employee ($millions)3.5685%4,959
Cash dividends to net income (ytd only)*78.5714%828
Condition Ratios (%)
Loss allowance to loans2.5840%1,244
Loan loss allowance to noncurrent loans417.9713%811
Noncurrent assets plus other real estate owned to assets1.6064%3,440
Noncurrent loans to loans0.6182%5,424
Net loans and leases to total assets54.1224%4,703
Net loans and leases to deposits63.5294%4,702
Net loans and leases to core deposits72.7324%4,051
Total domestic deposits to total assets85.1927%3,936
Equity capital to assets14.0352%1,017
Core capital (leverage) ratio13.2173%1,052
Tier 1 risk-based capital ratio19.5544%1,825
Total risk-based capital ratio20.8145%1,799
Memoranda:
Average total assets$262,380,0002,458
Average earning assets$232,836,5002,513
Average equity$37,040,0001,880
Average total loans$144,931,0002,703
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6396%4,506
Cost of funding earning assets0.4864%6,585
Net interest margin4.1532%2,221
Noninterest income to average assets0.9435%1,525
Noninterest expense to average assets3.7285%1,482
Loan and lease loss provision to assets0.3920%2,638
Net operating income to assets0.3937%4,896
Return on assets (ROA)0.5704%4,331
Pretax return on assets0.7613%4,112
Return on Equity (ROE)4.1641%4,771
Retained earnings to average equity (ytd only)3.0000%4,090
Net charge-offs to loans1.3621%1,210
Credit loss provision to net charge-offs50.6360%5,410
Earnings coverage of net charge-offs (x)1.1854%4,900
Efficiency ratio80.2478%2,273
Assets per employee ($millions)3.6207%4,723
Cash dividends to net income (ytd only)*27.9548%3,203
Condition Ratios (%)
Loss allowance to loans2.4688%1,358
Loan loss allowance to noncurrent loans183.1088%1,798
Noncurrent assets plus other real estate owned to assets2.0047%2,955
Noncurrent loans to loans1.3482%4,122
Net loans and leases to total assets53.5564%5,101
Net loans and leases to deposits63.1442%5,106
Net loans and leases to core deposits72.5137%4,444
Total domestic deposits to total assets84.8159%3,944
Equity capital to assets14.1997%1,003
Core capital (leverage) ratio13.1646%1,083
Tier 1 risk-based capital ratio19.7551%1,696
Total risk-based capital ratio21.0143%1,662
Memoranda:
Average total assets$264,017,0002,391
Average earning assets$235,385,4002,445
Average equity$36,166,6001,879
Average total loans$150,059,4002,643
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7061%4,431
Cost of funding earning assets0.5094%6,662
Net interest margin4.1967%2,111
Noninterest income to average assets0.9761%1,405
Noninterest expense to average assets3.6432%1,619
Loan and lease loss provision to assets0.4596%2,161
Net operating income to assets0.4051%4,971
Return on assets (ROA)0.6086%4,234
Pretax return on assets0.9359%3,637
Return on Equity (ROE)4.4834%4,774
Retained earnings to average equity (ytd only)2.9222%4,603
Net charge-offs to loans0.6122%2,415
Credit loss provision to net charge-offs130.9900%2,430
Earnings coverage of net charge-offs (x)3.0847%3,592
Efficiency ratio77.0960%2,664
Assets per employee ($millions)3.7859%4,335
Cash dividends to net income (ytd only)*34.8222%2,267
Condition Ratios (%)
Loss allowance to loans3.2168%710
Loan loss allowance to noncurrent loans84.8609%3,402
Noncurrent assets plus other real estate owned to assets2.7837%2,337
Noncurrent loans to loans3.7906%1,783
Net loans and leases to total assets52.5286%5,383
Net loans and leases to deposits61.4169%5,471
Net loans and leases to core deposits71.3428%4,800
Total domestic deposits to total assets85.5278%3,473
Equity capital to assets13.4688%1,385
Core capital (leverage) ratio13.0708%1,201
Tier 1 risk-based capital ratio19.4818%1,820
Total risk-based capital ratio20.7493%1,785
Memoranda:
Average total assets$264,849,2502,391
Average earning assets$236,624,2502,441
Average equity$35,954,0001,883
Average total loans$151,787,0002,637
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8248%3,979
Cost of funding earning assets0.5369%6,718
Net interest margin4.2879%1,713
Noninterest income to average assets1.0218%1,269
Noninterest expense to average assets3.7564%1,434
Loan and lease loss provision to assets0.2898%3,070
Net operating income to assets0.5197%4,418
Return on assets (ROA)0.5628%4,377
Pretax return on assets0.8663%3,776
Return on Equity (ROE)4.1344%4,866
Retained earnings to average equity (ytd only)1.7759%5,105
Net charge-offs to loans0.8062%1,893
Credit loss provision to net charge-offs61.5883%4,304
Earnings coverage of net charge-offs (x)2.3160%3,671
Efficiency ratio77.5138%2,787
Assets per employee ($millions)3.6582%4,542
Cash dividends to net income (ytd only)*57.0461%1,442
Condition Ratios (%)
Loss allowance to loans2.8915%997
Loan loss allowance to noncurrent loans95.4969%3,011
Noncurrent assets plus other real estate owned to assets2.4243%2,734
Noncurrent loans to loans3.0278%2,393
Net loans and leases to total assets54.1404%5,272
Net loans and leases to deposits63.2287%5,370
Net loans and leases to core deposits74.5330%4,504
Total domestic deposits to total assets85.6263%3,539
Equity capital to assets13.5435%1,268
Core capital (leverage) ratio12.8664%1,215
Tier 1 risk-based capital ratio19.0425%1,830
Total risk-based capital ratio20.3062%1,789
Memoranda:
Average total assets$262,270,6702,438
Average earning assets$233,916,0002,488
Average equity$35,700,6701,878
Average total loans$153,068,0002,644
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8441%3,851
Cost of funding earning assets0.5666%6,735
Net interest margin4.2774%1,633
Noninterest income to average assets1.0943%1,096
Noninterest expense to average assets3.6663%1,611
Loan and lease loss provision to assets0.2817%2,891
Net operating income to assets0.6187%3,933
Return on assets (ROA)0.6187%4,002
Pretax return on assets0.9574%3,291
Return on Equity (ROE)4.5338%4,632
Retained earnings to average equity (ytd only)-0.2143%5,827
Net charge-offs to loans0.7090%1,798
Credit loss provision to net charge-offs66.5455%3,424
Earnings coverage of net charge-offs (x)2.9273%2,912
Efficiency ratio74.7411%3,381
Assets per employee ($millions)3.2404%5,610
Cash dividends to net income (ytd only)*104.7264%556
Condition Ratios (%)
Loss allowance to loans2.8329%1,079
Loan loss allowance to noncurrent loans80.5174%3,508
Noncurrent assets plus other real estate owned to assets2.9039%2,379
Noncurrent loans to loans3.5184%2,114
Net loans and leases to total assets58.1648%4,618
Net loans and leases to deposits68.8052%4,553
Net loans and leases to core deposits79.1743%3,856
Total domestic deposits to total assets84.5356%4,254
Equity capital to assets13.5496%1,166
Core capital (leverage) ratio12.9025%1,159
Tier 1 risk-based capital ratio18.1267%2,080
Total risk-based capital ratio19.3907%2,039
Memoranda:
Average total assets$259,881,0002,472
Average earning assets$231,541,5002,527
Average equity$35,467,0001,876
Average total loans$155,158,5002,630
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9434%4,817
Cost of funding earning assets0.7486%6,740
Net interest margin4.1948%2,208
Noninterest income to average assets1.2418%973
Noninterest expense to average assets3.8122%1,464
Loan and lease loss provision to assets0.2629%4,691
Net operating income to assets0.7573%2,965
Return on assets (ROA)0.7959%2,960
Pretax return on assets0.9343%3,153
Return on Equity (ROE)5.9430%3,637
Retained earnings to average equity (ytd only)3.1184%3,678
Net charge-offs to loans0.4218%3,931
Credit loss provision to net charge-offs107.2531%4,142
Earnings coverage of net charge-offs (x)4.6991%2,841
Efficiency ratio76.7965%2,904
Assets per employee ($millions)3.2161%5,633
Cash dividends to net income (ytd only)*47.5285%2,213
Condition Ratios (%)
Loss allowance to loans2.9654%898
Loan loss allowance to noncurrent loans81.1250%3,490
Noncurrent assets plus other real estate owned to assets3.1641%2,232
Noncurrent loans to loans3.6554%2,042
Net loans and leases to total assets57.7778%5,058
Net loans and leases to deposits67.6281%5,153
Net loans and leases to core deposits78.5090%4,397
Total domestic deposits to total assets85.4347%3,644
Equity capital to assets13.7472%1,115
Core capital (leverage) ratio12.8630%1,175
Tier 1 risk-based capital ratio18.4257%1,867
Total risk-based capital ratio19.6907%1,827
Memoranda:
Average total assets$264,364,4002,410
Average earning assets$234,577,6002,487
Average equity$35,403,2001,871
Average total loans$153,631,2002,710
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9331%5,121
Cost of funding earning assets0.7691%6,847
Net interest margin4.1640%2,353
Noninterest income to average assets1.2810%838
Noninterest expense to average assets3.7900%1,385
Loan and lease loss provision to assets0.2129%4,933
Net operating income to assets0.8973%2,620
Return on assets (ROA)0.8973%2,773
Pretax return on assets0.9724%3,281
Return on Equity (ROE)6.7434%3,461
Retained earnings to average equity (ytd only)2.9782%4,351
Net charge-offs to loans0.4683%3,409
Credit loss provision to net charge-offs78.7037%5,178
Earnings coverage of net charge-offs (x)4.3815%3,074
Efficiency ratio76.1756%2,915
Assets per employee ($millions)3.2241%5,622
Cash dividends to net income (ytd only)*55.8347%1,392
Condition Ratios (%)
Loss allowance to loans2.9222%885
Loan loss allowance to noncurrent loans74.3298%3,608
Noncurrent assets plus other real estate owned to assets3.1913%2,249
Noncurrent loans to loans3.9314%1,925
Net loans and leases to total assets55.0518%5,689
Net loans and leases to deposits64.4031%5,863
Net loans and leases to core deposits74.8442%5,186
Total domestic deposits to total assets85.4800%3,361
Equity capital to assets13.5222%1,339
Core capital (leverage) ratio12.5995%1,368
Tier 1 risk-based capital ratio18.5569%1,857
Total risk-based capital ratio19.8207%1,822
Memoranda:
Average total assets$266,133,2502,431
Average earning assets$236,115,5002,506
Average equity$35,411,5001,889
Average total loans$153,739,2502,750
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9354%5,248
Cost of funding earning assets0.8048%6,901
Net interest margin4.1306%2,427
Noninterest income to average assets1.3122%739
Noninterest expense to average assets3.6240%1,723
Loan and lease loss provision to assets0.3187%3,832
Net operating income to assets0.9546%2,347
Return on assets (ROA)0.9546%2,435
Pretax return on assets1.0295%3,008
Return on Equity (ROE)7.2127%3,215
Retained earnings to average equity (ytd only)7.2127%1,752
Net charge-offs to loans0.7277%2,402
Credit loss provision to net charge-offs75.3546%4,828
Earnings coverage of net charge-offs (x)3.1879%3,416
Efficiency ratio72.8849%3,680
Assets per employee ($millions)3.3496%5,310
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.8565%949
Loan loss allowance to noncurrent loans89.1184%3,050
Noncurrent assets plus other real estate owned to assets2.9404%2,441
Noncurrent loans to loans3.2053%2,500
Net loans and leases to total assets55.9935%5,710
Net loans and leases to deposits65.4818%5,873
Net loans and leases to core deposits77.4087%5,035
Total domestic deposits to total assets85.5099%3,368
Equity capital to assets13.6357%1,294
Core capital (leverage) ratio12.8608%1,257
Tier 1 risk-based capital ratio18.6211%1,799
Total risk-based capital ratio19.8846%1,772
Memoranda:
Average total assets$266,720,0002,446
Average earning assets$236,334,3302,528
Average equity$35,299,0001,891
Average total loans$155,011,3302,762
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8761%5,578
Cost of funding earning assets0.8538%6,927
Net interest margin4.0223%2,780
Noninterest income to average assets1.5610%503
Noninterest expense to average assets3.6076%1,720
Loan and lease loss provision to assets0.3809%3,078
Net operating income to assets1.1263%1,750
Return on assets (ROA)1.1263%1,829
Pretax return on assets1.1263%2,647
Return on Equity (ROE)8.6401%2,609
Retained earnings to average equity (ytd only)8.6401%1,494
Net charge-offs to loans0.2534%3,426
Credit loss provision to net charge-offs257.5758%1,510
Earnings coverage of net charge-offs (x)10.1919%1,767
Efficiency ratio70.5315%4,212
Assets per employee ($millions)3.2547%5,642
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.9861%831
Loan loss allowance to noncurrent loans67.1575%3,999
Noncurrent assets plus other real estate owned to assets3.6191%1,938
Noncurrent loans to loans4.4464%1,684
Net loans and leases to total assets56.6292%5,657
Net loans and leases to deposits65.7947%5,847
Net loans and leases to core deposits80.1129%4,751
Total domestic deposits to total assets86.0695%3,119
Equity capital to assets13.2460%1,420
Core capital (leverage) ratio12.4618%1,421
Tier 1 risk-based capital ratio17.9918%1,944
Total risk-based capital ratio19.2566%1,913
Memoranda:
Average total assets$267,769,0002,495
Average earning assets$236,582,5002,567
Average equity$34,907,0001,928
Average total loans$156,253,0002,810
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1743%5,769
Cost of funding earning assets1.1560%6,808
Net interest margin4.0183%2,795
Noninterest income to average assets1.2328%994
Noninterest expense to average assets3.8742%1,549
Loan and lease loss provision to assets0.3606%4,640
Net operating income to assets1.7655%385
Return on assets (ROA)1.8509%329
Pretax return on assets0.6680%3,689
Return on Equity (ROE)16.2469%529
Retained earnings to average equity (ytd only)16.2469%75
Net charge-offs to loans0.4837%3,837
Credit loss provision to net charge-offs127.9528%4,040
Earnings coverage of net charge-offs (x)3.3465%3,382
Efficiency ratio80.4208%2,820
Assets per employee ($millions)3.4006%5,254
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.8689%867
Loan loss allowance to noncurrent loans89.9560%3,109
Noncurrent assets plus other real estate owned to assets3.3013%2,074
Noncurrent loans to loans3.1892%2,396
Net loans and leases to total assets56.6617%5,876
Net loans and leases to deposits65.6139%6,095
Net loans and leases to core deposits89.7635%5,155
Total domestic deposits to total assets86.3562%2,837
Equity capital to assets12.8279%1,581
Core capital (leverage) ratio12.5453%1,429
Tier 1 risk-based capital ratio17.2192%2,096
Total risk-based capital ratio18.4825%2,048
Memoranda:
Average total assets$270,350,6002,416
Average earning assets$241,171,6002,494
Average equity$30,799,8002,177
Average total loans$157,539,6002,809
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1713%6,005
Cost of funding earning assets1.2271%6,812
Net interest margin3.9443%3,068
Noninterest income to average assets1.2197%1,034
Noninterest expense to average assets3.7934%1,604
Loan and lease loss provision to assets0.3816%4,036
Net operating income to assets0.5805%3,677
Return on assets (ROA)0.6938%3,286
Pretax return on assets0.6938%3,882
Return on Equity (ROE)6.2863%3,399
Retained earnings to average equity (ytd only)6.2863%1,817
Net charge-offs to loans0.4454%3,450
Credit loss provision to net charge-offs147.0588%3,293
Earnings coverage of net charge-offs (x)3.7078%3,410
Efficiency ratio79.7681%2,882
Assets per employee ($millions)3.1749%5,714
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.7917%796
Loan loss allowance to noncurrent loans51.2789%4,900
Noncurrent assets plus other real estate owned to assets3.7065%1,752
Noncurrent loans to loans5.4441%1,149
Net loans and leases to total assets59.1587%5,718
Net loans and leases to deposits67.7659%6,145
Net loans and leases to core deposits96.3558%4,769
Total domestic deposits to total assets87.2985%2,018
Equity capital to assets11.6002%2,506
Core capital (leverage) ratio10.9603%2,431
Tier 1 risk-based capital ratio15.4805%2,835
Total risk-based capital ratio16.7445%2,769
Memoranda:
Average total assets$270,776,0002,419
Average earning assets$242,743,2502,489
Average equity$29,884,2502,262
Average total loans$157,745,2502,834
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1294%6,319
Cost of funding earning assets1.2977%6,817
Net interest margin3.8317%3,408
Noninterest income to average assets1.1472%1,189
Noninterest expense to average assets3.7768%1,694
Loan and lease loss provision to assets0.2756%4,376
Net operating income to assets0.5255%3,996
Return on assets (ROA)0.5255%4,111
Pretax return on assets0.5255%4,536
Return on Equity (ROE)4.8420%4,147
Retained earnings to average equity (ytd only)4.8420%2,601
Net charge-offs to loans-0.1280%7,986
Credit loss provision to net charge-offs-375.0000%7,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.5012%2,663
Assets per employee ($millions)3.1707%5,659
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.0591%540
Loan loss allowance to noncurrent loans53.5509%4,804
Noncurrent assets plus other real estate owned to assets3.9198%1,533
Noncurrent loans to loans5.7125%993
Net loans and leases to total assets55.9464%6,213
Net loans and leases to deposits63.5092%6,612
Net loans and leases to core deposits86.7973%5,828
Total domestic deposits to total assets88.0919%1,718
Equity capital to assets11.0495%2,870
Core capital (leverage) ratio10.5909%2,736
Tier 1 risk-based capital ratio15.5788%2,786
Total risk-based capital ratio16.8448%2,707
Memoranda:
Average total assets$272,137,0002,429
Average earning assets$243,654,6702,492
Average equity$29,533,3302,301
Average total loans$156,226,0002,884
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1157%6,600
Cost of funding earning assets1.3922%6,765
Net interest margin3.7235%3,787
Noninterest income to average assets1.0591%1,324
Noninterest expense to average assets3.6423%1,768
Loan and lease loss provision to assets0.2560%3,919
Net operating income to assets0.5017%4,411
Return on assets (ROA)0.5017%4,600
Pretax return on assets0.5017%5,075
Return on Equity (ROE)4.6650%4,628
Retained earnings to average equity (ytd only)4.6650%3,326
Net charge-offs to loans-0.5748%8,118
Credit loss provision to net charge-offs-77.7778%6,198
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.7793%2,440
Assets per employee ($millions)3.4807%4,867
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.9977%480
Loan loss allowance to noncurrent loans53.7226%4,976
Noncurrent assets plus other real estate owned to assets3.5317%1,517
Noncurrent loans to loans5.5800%909
Net loans and leases to total assets52.4542%6,633
Net loans and leases to deposits59.0003%6,977
Net loans and leases to core deposits81.8124%6,249
Total domestic deposits to total assets88.9049%1,268
Equity capital to assets10.2660%3,691
Core capital (leverage) ratio10.6037%2,826
Tier 1 risk-based capital ratio15.5103%2,851
Total risk-based capital ratio16.7785%2,777
Memoranda:
Average total assets$273,452,5002,432
Average earning assets$245,360,5002,492
Average equity$29,410,5002,321
Average total loans$156,570,5002,901
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1049%5,015
Cost of funding earning assets2.2045%5,578
Net interest margin3.9004%3,565
Noninterest income to average assets1.0375%1,463
Noninterest expense to average assets3.7096%1,941
Loan and lease loss provision to assets4.0652%158
Net operating income to assets-3.2448%7,876
Return on assets (ROA)-3.1685%7,834
Pretax return on assets-3.1685%7,746
Return on Equity (ROE)-24.7979%7,860
Retained earnings to average equity (ytd only)-24.7979%7,803
Net charge-offs to loans7.0609%39
Credit loss provision to net charge-offs94.7619%5,550
Earnings coverage of net charge-offs (x)0.1912%6,128
Efficiency ratio81.8908%2,314
Assets per employee ($millions)3.1853%5,526
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.7294%551
Loan loss allowance to noncurrent loans46.7117%5,681
Noncurrent assets plus other real estate owned to assets4.1998%947
Noncurrent loans to loans5.8431%641
Net loans and leases to total assets59.1595%6,033
Net loans and leases to deposits67.7115%6,487
Net loans and leases to core deposits83.7208%6,314
Total domestic deposits to total assets87.3699%1,771
Equity capital to assets11.3030%2,800
Core capital (leverage) ratio10.5248%2,957
Tier 1 risk-based capital ratio15.2744%2,928
Total risk-based capital ratio16.3356%2,927
Memoranda:
Average total assets$279,029,8002,320
Average earning assets$249,848,6002,372
Average equity$35,652,2001,889
Average total loans$169,525,0002,621