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Bank of Locust Grove, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9452%86
Cost of funding earning assets0.5543%692
Net interest margin5.3908%94
Noninterest income to average assets0.9421%1,110
Noninterest expense to average assets3.1463%790
Loan and lease loss provision to assets0.2217%456
Net operating income to assets1.8020%504
Return on assets (ROA)1.8020%525
Pretax return on assets2.5039%253
Return on Equity (ROE)16.1267%735
Retained earnings to average equity (ytd only)1.4327%4,145
Net charge-offs to loans-0.0113%3,782
Credit loss provision to net charge-offs-2,700.0000%4,098
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5827%3,975
Assets per employee ($millions)3.0805%4,674
Cash dividends to net income (ytd only)*91.1162%315
Condition Ratios (%)
Loss allowance to loans2.8379%178
Loan loss allowance to noncurrent loans467.9070%1,516
Noncurrent assets plus other real estate owned to assets0.4362%1,506
Noncurrent loans to loans0.6065%1,626
Net loans and leases to total assets69.8811%1,056
Net loans and leases to deposits79.1975%1,281
Net loans and leases to core deposits82.7539%1,403
Total domestic deposits to total assets88.2365%1,915
Equity capital to assets10.8343%1,914
Core capital (leverage) ratio10.6179%1,825
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$48,723,2004,577
Average earning assets$44,557,0004,565
Average equity$5,444,4004,585
Average total loans$35,396,2004,279
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0176%85
Cost of funding earning assets0.5656%765
Net interest margin5.4520%91
Noninterest income to average assets0.9441%1,162
Noninterest expense to average assets3.1451%770
Loan and lease loss provision to assets0.2552%358
Net operating income to assets1.8305%625
Return on assets (ROA)1.8305%656
Pretax return on assets2.5441%322
Return on Equity (ROE)16.2565%896
Retained earnings to average equity (ytd only)4.0702%3,557
Net charge-offs to loans0.0226%1,595
Credit loss provision to net charge-offs1,550.0000%391
Earnings coverage of net charge-offs (x)170.0000%617
Efficiency ratio52.9086%3,929
Assets per employee ($millions)2.7768%4,790
Cash dividends to net income (ytd only)*74.9625%488
Condition Ratios (%)
Loss allowance to loans2.7244%211
Loan loss allowance to noncurrent loans934.2857%833
Noncurrent assets plus other real estate owned to assets0.2101%2,727
Noncurrent loans to loans0.2916%2,748
Net loans and leases to total assets70.0792%1,069
Net loans and leases to deposits79.5417%1,329
Net loans and leases to core deposits82.5680%1,530
Total domestic deposits to total assets88.1037%1,776
Equity capital to assets10.8619%2,114
Core capital (leverage) ratio10.7907%1,819
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$48,582,0004,644
Average earning assets$44,557,2504,632
Average equity$5,470,5004,651
Average total loans$35,383,0004,337
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1221%86
Cost of funding earning assets0.5900%780
Net interest margin5.5321%93
Noninterest income to average assets0.9269%1,202
Noninterest expense to average assets3.1341%801
Loan and lease loss provision to assets0.2411%413
Net operating income to assets1.8871%610
Return on assets (ROA)1.8871%633
Pretax return on assets2.6187%298
Return on Equity (ROE)16.5563%849
Retained earnings to average equity (ytd only)16.5563%302
Net charge-offs to loans0.0171%1,606
Credit loss provision to net charge-offs1,933.3333%300
Earnings coverage of net charge-offs (x)229.3333%458
Efficiency ratio52.2885%4,015
Assets per employee ($millions)3.3360%4,714
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.6051%245
Loan loss allowance to noncurrent loans998.9474%739
Noncurrent assets plus other real estate owned to assets0.1898%3,009
Noncurrent loans to loans0.2608%3,007
Net loans and leases to total assets70.9013%1,099
Net loans and leases to deposits80.9801%1,329
Net loans and leases to core deposits83.2020%1,627
Total domestic deposits to total assets87.5540%2,066
Equity capital to assets11.4229%1,677
Core capital (leverage) ratio11.4464%1,336
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$48,115,3334,673
Average earning assets$44,070,0004,662
Average equity$5,484,3334,679
Average total loans$35,174,6674,372
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0658%100
Cost of funding earning assets0.6243%783
Net interest margin5.4415%110
Noninterest income to average assets0.8822%1,375
Noninterest expense to average assets3.1218%814
Loan and lease loss provision to assets0.2121%560
Net operating income to assets1.8069%780
Return on assets (ROA)1.8069%834
Pretax return on assets2.5025%435
Return on Equity (ROE)15.8704%1,046
Retained earnings to average equity (ytd only)15.8704%536
Net charge-offs to loans-0.0347%4,237
Credit loss provision to net charge-offs-833.3333%3,308
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4884%3,849
Assets per employee ($millions)3.0248%4,817
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.6474%215
Loan loss allowance to noncurrent loans587.2611%1,038
Noncurrent assets plus other real estate owned to assets0.3244%2,519
Noncurrent loans to loans0.4508%2,503
Net loans and leases to total assets70.0560%1,280
Net loans and leases to deposits79.9363%1,528
Net loans and leases to core deposits82.1959%1,821
Total domestic deposits to total assets87.6397%2,021
Equity capital to assets11.3127%1,650
Core capital (leverage) ratio11.3995%1,474
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$47,153,0004,705
Average earning assets$42,929,0004,689
Average equity$5,368,5004,705
Average total loans$34,548,0004,409
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5484%54
Cost of funding earning assets0.7861%1,269
Net interest margin5.7623%54
Noninterest income to average assets0.9780%1,094
Noninterest expense to average assets3.3924%800
Loan and lease loss provision to assets0.5786%362
Net operating income to assets1.7087%486
Return on assets (ROA)1.7087%528
Pretax return on assets2.2465%280
Return on Equity (ROE)14.1048%786
Retained earnings to average equity (ytd only)0.9928%4,232
Net charge-offs to loans0.1789%938
Credit loss provision to net charge-offs439.6552%1,352
Earnings coverage of net charge-offs (x)21.4655%1,896
Efficiency ratio54.5620%4,150
Assets per employee ($millions)3.0606%4,799
Cash dividends to net income (ytd only)*92.9615%367
Condition Ratios (%)
Loss allowance to loans2.6088%224
Loan loss allowance to noncurrent loans256.8966%1,930
Noncurrent assets plus other real estate owned to assets0.7580%1,353
Noncurrent loans to loans1.0155%1,396
Net loans and leases to total assets72.6982%1,203
Net loans and leases to deposits82.9131%1,556
Net loans and leases to core deposits86.4817%1,829
Total domestic deposits to total assets87.6800%1,621
Equity capital to assets11.4618%1,913
Core capital (leverage) ratio11.2827%1,610
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$44,068,6004,718
Average earning assets$40,070,8004,716
Average equity$5,338,6004,711
Average total loans$32,422,8004,473
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5208%59
Cost of funding earning assets0.8260%1,375
Net interest margin5.6948%61
Noninterest income to average assets0.9814%1,054
Noninterest expense to average assets3.3876%811
Loan and lease loss provision to assets0.6123%403
Net operating income to assets1.6510%643
Return on assets (ROA)1.6510%717
Pretax return on assets2.1677%362
Return on Equity (ROE)13.4381%991
Retained earnings to average equity (ytd only)0.9954%4,260
Net charge-offs to loans0.2169%708
Credit loss provision to net charge-offs384.6154%1,509
Earnings coverage of net charge-offs (x)17.4808%2,014
Efficiency ratio54.9331%4,049
Assets per employee ($millions)3.0541%4,825
Cash dividends to net income (ytd only)*92.5926%390
Condition Ratios (%)
Loss allowance to loans2.4550%244
Loan loss allowance to noncurrent loans199.2925%2,202
Noncurrent assets plus other real estate owned to assets0.9255%1,236
Noncurrent loans to loans1.2319%1,236
Net loans and leases to total assets73.2865%1,462
Net loans and leases to deposits83.5881%1,951
Net loans and leases to core deposits87.1825%2,217
Total domestic deposits to total assets87.6757%1,356
Equity capital to assets11.4577%2,044
Core capital (leverage) ratio11.5118%1,579
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$43,608,5004,748
Average earning assets$39,708,0004,743
Average equity$5,357,7504,733
Average total loans$31,961,2504,509
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6117%79
Cost of funding earning assets0.8983%1,382
Net interest margin5.7134%78
Noninterest income to average assets0.9889%1,008
Noninterest expense to average assets3.4333%813
Loan and lease loss provision to assets0.5131%678
Net operating income to assets1.7027%619
Return on assets (ROA)1.7027%674
Pretax return on assets2.2345%343
Return on Equity (ROE)13.5336%972
Retained earnings to average equity (ytd only)13.5336%308
Net charge-offs to loans0.2569%613
Credit loss provision to net charge-offs275.0000%1,684
Earnings coverage of net charge-offs (x)14.7250%1,938
Efficiency ratio55.5472%4,000
Assets per employee ($millions)2.6841%4,930
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans2.3810%256
Loan loss allowance to noncurrent loans203.4483%2,124
Noncurrent assets plus other real estate owned to assets0.8262%1,500
Noncurrent loans to loans1.1703%1,339
Net loans and leases to total assets68.9152%2,199
Net loans and leases to deposits79.4011%2,504
Net loans and leases to core deposits81.7799%2,794
Total domestic deposits to total assets86.7938%1,700
Equity capital to assets12.2156%1,531
Core capital (leverage) ratio12.1802%1,305
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$42,874,0004,776
Average earning assets$38,961,0004,773
Average equity$5,394,0004,755
Average total loans$31,142,0004,540
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7817%66
Cost of funding earning assets1.0253%1,314
Net interest margin5.7564%66
Noninterest income to average assets1.1182%690
Noninterest expense to average assets3.5377%882
Loan and lease loss provision to assets0.3663%840
Net operating income to assets1.8315%383
Return on assets (ROA)1.8315%429
Pretax return on assets2.4099%197
Return on Equity (ROE)14.3288%641
Retained earnings to average equity (ytd only)14.3288%232
Net charge-offs to loans-0.1568%4,904
Credit loss provision to net charge-offs-316.6667%3,310
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0305%4,205
Assets per employee ($millions)2.5205%4,952
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.4022%289
Loan loss allowance to noncurrent loans208.0780%2,000
Noncurrent assets plus other real estate owned to assets0.8378%1,603
Noncurrent loans to loans1.1545%1,439
Net loans and leases to total assets70.8278%2,115
Net loans and leases to deposits81.8672%2,470
Net loans and leases to core deposits84.4788%2,810
Total domestic deposits to total assets86.5154%1,770
Equity capital to assets12.6001%1,676
Core capital (leverage) ratio12.7079%1,334
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$41,496,0004,820
Average earning assets$37,454,0004,823
Average equity$5,304,0004,804
Average total loans$30,606,5004,581
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9987%68
Cost of funding earning assets0.9338%2,041
Net interest margin6.0650%64
Noninterest income to average assets1.2615%591
Noninterest expense to average assets4.0018%529
Loan and lease loss provision to assets0.5141%248
Net operating income to assets1.6325%769
Return on assets (ROA)1.6325%821
Pretax return on assets2.1679%405
Return on Equity (ROE)12.5997%1,299
Retained earnings to average equity (ytd only)12.5997%193
Net charge-offs to loans0.2384%858
Credit loss provision to net charge-offs298.4615%938
Earnings coverage of net charge-offs (x)15.5692%2,222
Efficiency ratio59.8731%3,716
Assets per employee ($millions)2.3614%5,044
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans2.3143%280
Loan loss allowance to noncurrent loans237.8840%1,835
Noncurrent assets plus other real estate owned to assets0.7299%1,774
Noncurrent loans to loans0.9729%1,570
Net loans and leases to total assets73.2880%1,877
Net loans and leases to deposits84.9651%2,209
Net loans and leases to core deposits87.8550%2,614
Total domestic deposits to total assets86.2566%1,955
Equity capital to assets12.9761%1,540
Core capital (leverage) ratio12.6171%1,421
Tier 1 risk-based capital ratio15.1535%2,719
Total risk-based capital ratio16.4116%2,650
Memoranda:
Average total assets$37,732,6004,928
Average earning assets$33,734,8004,933
Average equity$4,889,0004,896
Average total loans$27,269,0004,702
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9478%72
Cost of funding earning assets0.8791%2,324
Net interest margin6.0688%63
Noninterest income to average assets1.2532%581
Noninterest expense to average assets4.0074%526
Loan and lease loss provision to assets0.5315%224
Net operating income to assets1.6159%895
Return on assets (ROA)1.6159%933
Pretax return on assets2.1186%530
Return on Equity (ROE)12.4764%1,456
Retained earnings to average equity (ytd only)12.4764%328
Net charge-offs to loans-0.0954%4,978
Credit loss provision to net charge-offs-778.9474%4,392
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1942%3,606
Assets per employee ($millions)2.2284%5,134
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans2.5368%210
Loan loss allowance to noncurrent loans220.7207%1,948
Noncurrent assets plus other real estate owned to assets0.8302%1,660
Noncurrent loans to loans1.1493%1,374
Net loans and leases to total assets70.3979%2,412
Net loans and leases to deposits81.3681%2,757
Net loans and leases to core deposits84.1143%3,085
Total domestic deposits to total assets86.5178%1,764
Equity capital to assets12.5723%1,858
Core capital (leverage) ratio12.4893%1,575
Tier 1 risk-based capital ratio15.0488%2,823
Total risk-based capital ratio16.3097%2,748
Memoranda:
Average total assets$37,130,0005,012
Average earning assets$33,064,7505,020
Average equity$4,809,0004,969
Average total loans$26,557,0004,786
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7305%92
Cost of funding earning assets0.7804%2,743
Net interest margin5.9501%69
Noninterest income to average assets1.3947%448
Noninterest expense to average assets4.1676%431
Loan and lease loss provision to assets0.3985%302
Net operating income to assets1.6050%902
Return on assets (ROA)1.6050%940
Pretax return on assets2.1032%548
Return on Equity (ROE)12.2596%1,486
Retained earnings to average equity (ytd only)12.2596%377
Net charge-offs to loans-0.3184%5,191
Credit loss provision to net charge-offs-175.6098%3,973
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4896%3,353
Assets per employee ($millions)2.3344%5,163
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans2.4212%247
Loan loss allowance to noncurrent loans225.1656%1,972
Noncurrent assets plus other real estate owned to assets0.9676%1,434
Noncurrent loans to loans1.0753%1,523
Net loans and leases to total assets69.0563%2,669
Net loans and leases to deposits79.5039%3,006
Net loans and leases to core deposits83.4450%3,159
Total domestic deposits to total assets86.8590%1,659
Equity capital to assets12.3044%1,981
Core capital (leverage) ratio12.6605%1,454
Tier 1 risk-based capital ratio14.9926%2,847
Total risk-based capital ratio16.2532%2,758
Memoranda:
Average total assets$36,136,0005,067
Average earning assets$32,033,3305,076
Average equity$4,731,0005,013
Average total loans$25,751,6704,837
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8412%81
Cost of funding earning assets0.6921%3,097
Net interest margin6.1491%62
Noninterest income to average assets1.3503%473
Noninterest expense to average assets4.3188%358
Loan and lease loss provision to assets0.5238%203
Net operating income to assets1.4435%1,255
Return on assets (ROA)1.4435%1,283
Pretax return on assets1.8858%816
Return on Equity (ROE)10.6552%2,098
Retained earnings to average equity (ytd only)10.6552%889
Net charge-offs to loans0.5695%265
Credit loss provision to net charge-offs128.5714%1,356
Earnings coverage of net charge-offs (x)5.9143%2,230
Efficiency ratio64.1869%3,206
Assets per employee ($millions)2.2729%5,231
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans2.2668%323
Loan loss allowance to noncurrent loans180.6250%2,357
Noncurrent assets plus other real estate owned to assets1.1549%1,177
Noncurrent loans to loans1.2550%1,311
Net loans and leases to total assets68.5237%2,689
Net loans and leases to deposits79.5658%2,886
Net loans and leases to core deposits83.9199%3,033
Total domestic deposits to total assets86.1220%2,217
Equity capital to assets12.9706%1,470
Core capital (leverage) ratio13.5411%1,084
Tier 1 risk-based capital ratio15.6318%2,592
Total risk-based capital ratio16.8885%2,513
Memoranda:
Average total assets$34,361,5005,141
Average earning assets$30,053,0005,153
Average equity$4,655,0005,064
Average total loans$24,585,0004,918
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7043%71
Cost of funding earning assets0.2354%4,870
Net interest margin6.4689%51
Noninterest income to average assets1.3731%483
Noninterest expense to average assets4.3181%360
Loan and lease loss provision to assets0.5413%210
Net operating income to assets1.7095%678
Return on assets (ROA)1.7095%665
Pretax return on assets2.2294%333
Return on Equity (ROE)12.7387%1,448
Retained earnings to average equity (ytd only)7.9759%1,246
Net charge-offs to loans1.0704%136
Credit loss provision to net charge-offs77.2926%2,906
Earnings coverage of net charge-offs (x)3.9563%3,359
Efficiency ratio60.9146%3,709
Assets per employee ($millions)2.0223%5,309
Cash dividends to net income (ytd only)*37.3882%2,667
Condition Ratios (%)
Loss allowance to loans2.3995%256
Loan loss allowance to noncurrent loans231.8367%2,004
Noncurrent assets plus other real estate owned to assets1.0663%1,271
Noncurrent loans to loans1.0350%1,582
Net loans and leases to total assets71.4056%2,364
Net loans and leases to deposits84.2996%2,482
Net loans and leases to core deposits87.0699%2,830
Total domestic deposits to total assets84.7045%2,768
Equity capital to assets14.2261%906
Core capital (leverage) ratio14.0780%904
Tier 1 risk-based capital ratio16.7926%2,138
Total risk-based capital ratio18.0502%2,076
Memoranda:
Average total assets$32,699,8005,209
Average earning assets$28,892,0005,209
Average equity$4,388,2005,124
Average total loans$21,393,2005,042
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5307%84
Cost of funding earning assets0.1700%5,142
Net interest margin6.3607%57
Noninterest income to average assets1.3258%543
Noninterest expense to average assets4.3595%335
Loan and lease loss provision to assets0.4351%280
Net operating income to assets1.6511%841
Return on assets (ROA)1.6511%847
Pretax return on assets2.1594%424
Return on Equity (ROE)12.4886%1,611
Retained earnings to average equity (ytd only)6.0598%2,626
Net charge-offs to loans1.1461%121
Credit loss provision to net charge-offs59.7765%2,752
Earnings coverage of net charge-offs (x)3.5643%3,150
Efficiency ratio62.6901%3,396
Assets per employee ($millions)2.2941%5,336
Cash dividends to net income (ytd only)*51.4779%1,529
Condition Ratios (%)
Loss allowance to loans2.4944%242
Loan loss allowance to noncurrent loans162.1302%2,614
Noncurrent assets plus other real estate owned to assets1.3637%987
Noncurrent loans to loans1.5385%1,045
Net loans and leases to total assets66.6947%3,101
Net loans and leases to deposits78.7189%3,170
Net loans and leases to core deposits79.8100%3,509
Total domestic deposits to total assets84.7251%2,711
Equity capital to assets13.8552%1,002
Core capital (leverage) ratio13.3454%1,158
Tier 1 risk-based capital ratio17.5257%1,916
Total risk-based capital ratio18.7842%1,877
Memoranda:
Average total assets$32,785,7505,278
Average earning assets$29,011,0005,275
Average equity$4,334,5005,196
Average total loans$20,823,5005,119
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2082%112
Cost of funding earning assets0.1643%5,184
Net interest margin6.0439%73
Noninterest income to average assets1.2785%591
Noninterest expense to average assets4.2292%397
Loan and lease loss provision to assets0.2727%550
Net operating income to assets1.6238%871
Return on assets (ROA)1.6238%873
Pretax return on assets2.1267%463
Return on Equity (ROE)12.4767%1,551
Retained earnings to average equity (ytd only)2.7467%4,154
Net charge-offs to loans0.7631%186
Credit loss provision to net charge-offs57.6923%2,444
Earnings coverage of net charge-offs (x)5.0769%2,744
Efficiency ratio63.8026%3,343
Assets per employee ($millions)2.4571%5,344
Cash dividends to net income (ytd only)*77.9851%750
Condition Ratios (%)
Loss allowance to loans2.8429%170
Loan loss allowance to noncurrent loans386.1842%1,356
Noncurrent assets plus other real estate owned to assets0.7326%2,040
Noncurrent loans to loans0.7361%2,268
Net loans and leases to total assets58.3186%3,959
Net loans and leases to deposits67.5386%4,050
Net loans and leases to core deposits68.3952%4,230
Total domestic deposits to total assets86.3484%2,117
Equity capital to assets12.5323%1,519
Core capital (leverage) ratio12.5394%1,418
Tier 1 risk-based capital ratio17.9018%1,824
Total risk-based capital ratio19.1660%1,787
Memoranda:
Average total assets$33,008,3305,340
Average earning assets$29,219,3305,337
Average equity$4,296,0005,263
Average total loans$20,441,6705,185
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0358%130
Cost of funding earning assets0.1657%5,183
Net interest margin5.8701%80
Noninterest income to average assets1.2626%582
Noninterest expense to average assets4.4317%314
Loan and lease loss provision to assets0.2847%472
Net operating income to assets1.3864%1,380
Return on assets (ROA)1.3864%1,393
Pretax return on assets1.8073%899
Return on Equity (ROE)10.4465%2,206
Retained earnings to average equity (ytd only)6.6224%2,446
Net charge-offs to loans0.5703%260
Credit loss provision to net charge-offs79.3103%1,754
Earnings coverage of net charge-offs (x)5.8276%2,198
Efficiency ratio67.9317%2,840
Assets per employee ($millions)2.2382%5,464
Cash dividends to net income (ytd only)*36.6071%1,948
Condition Ratios (%)
Loss allowance to loans3.0567%147
Loan loss allowance to noncurrent loans341.1111%1,509
Noncurrent assets plus other real estate owned to assets0.8340%1,899
Noncurrent loans to loans0.8961%2,033
Net loans and leases to total assets58.0020%3,941
Net loans and leases to deposits67.5278%3,981
Net loans and leases to core deposits68.4079%4,195
Total domestic deposits to total assets85.8934%2,592
Equity capital to assets12.8794%1,304
Core capital (leverage) ratio13.0558%1,166
Tier 1 risk-based capital ratio17.9043%1,866
Total risk-based capital ratio19.1686%1,808
Memoranda:
Average total assets$32,313,0005,406
Average earning assets$28,960,5005,397
Average equity$4,288,5005,316
Average total loans$20,338,5005,245
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5973%70
Cost of funding earning assets0.1681%5,168
Net interest margin6.4292%52
Noninterest income to average assets1.4791%482
Noninterest expense to average assets4.4031%341
Loan and lease loss provision to assets0.5149%256
Net operating income to assets1.2357%1,409
Return on assets (ROA)1.2357%1,429
Pretax return on assets2.2905%270
Return on Equity (ROE)9.5403%2,085
Retained earnings to average equity (ytd only)5.6616%1,732
Net charge-offs to loans0.6169%369
Credit loss provision to net charge-offs125.0000%2,092
Earnings coverage of net charge-offs (x)6.8106%3,133
Efficiency ratio61.0823%4,101
Assets per employee ($millions)2.5878%5,421
Cash dividends to net income (ytd only)*40.6566%2,832
Condition Ratios (%)
Loss allowance to loans3.0112%138
Loan loss allowance to noncurrent loans488.1890%1,148
Noncurrent assets plus other real estate owned to assets0.7310%2,138
Noncurrent loans to loans0.6168%2,687
Net loans and leases to total assets64.3094%3,334
Net loans and leases to deposits75.4924%3,378
Net loans and leases to core deposits76.5633%3,698
Total domestic deposits to total assets85.1866%2,762
Equity capital to assets13.6959%988
Core capital (leverage) ratio13.5149%961
Tier 1 risk-based capital ratio17.6159%1,915
Total risk-based capital ratio18.8812%1,858
Memoranda:
Average total assets$32,045,8005,467
Average earning assets$28,557,0005,462
Average equity$4,150,8005,404
Average total loans$21,398,8005,274
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5296%72
Cost of funding earning assets0.1716%5,184
Net interest margin6.3580%54
Noninterest income to average assets1.4987%481
Noninterest expense to average assets4.4341%329
Loan and lease loss provision to assets0.5574%200
Net operating income to assets1.4037%1,075
Return on assets (ROA)1.4037%1,102
Pretax return on assets2.1675%389
Return on Equity (ROE)10.9889%1,703
Retained earnings to average equity (ytd only)7.0781%1,657
Net charge-offs to loans0.9444%189
Credit loss provision to net charge-offs88.2353%2,479
Earnings coverage of net charge-offs (x)4.3138%3,245
Efficiency ratio61.9377%3,894
Assets per employee ($millions)3.1406%5,132
Cash dividends to net income (ytd only)*35.5885%2,490
Condition Ratios (%)
Loss allowance to loans2.6909%210
Loan loss allowance to noncurrent loans431.0606%1,189
Noncurrent assets plus other real estate owned to assets0.7387%2,285
Noncurrent loans to loans0.6243%2,837
Net loans and leases to total assets65.5161%3,176
Net loans and leases to deposits76.9599%3,271
Net loans and leases to core deposits78.0399%3,630
Total domestic deposits to total assets85.1302%2,665
Equity capital to assets13.4879%1,161
Core capital (leverage) ratio12.9680%1,222
Tier 1 risk-based capital ratio17.4981%2,010
Total risk-based capital ratio18.7600%1,951
Memoranda:
Average total assets$32,294,0005,520
Average earning assets$28,750,2505,520
Average equity$4,125,2505,465
Average total loans$21,601,0005,319
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4314%80
Cost of funding earning assets0.1654%5,236
Net interest margin6.2659%60
Noninterest income to average assets1.5035%480
Noninterest expense to average assets4.4369%337
Loan and lease loss provision to assets0.5523%203
Net operating income to assets1.3562%1,159
Return on assets (ROA)1.3562%1,187
Pretax return on assets2.0927%452
Return on Equity (ROE)10.8113%1,713
Retained earnings to average equity (ytd only)6.8488%1,668
Net charge-offs to loans1.1952%166
Credit loss provision to net charge-offs69.2308%2,388
Earnings coverage of net charge-offs (x)3.3154%3,062
Efficiency ratio62.6516%3,875
Assets per employee ($millions)2.3557%5,607
Cash dividends to net income (ytd only)*36.6516%2,491
Condition Ratios (%)
Loss allowance to loans2.5349%275
Loan loss allowance to noncurrent loans323.6686%1,485
Noncurrent assets plus other real estate owned to assets0.8156%2,170
Noncurrent loans to loans0.7832%2,447
Net loans and leases to total assets63.7720%3,419
Net loans and leases to deposits73.9496%3,550
Net loans and leases to core deposits74.9216%3,865
Total domestic deposits to total assets86.2371%2,279
Equity capital to assets12.6046%1,570
Core capital (leverage) ratio12.3843%1,425
Tier 1 risk-based capital ratio16.5292%2,311
Total risk-based capital ratio17.7891%2,257
Memoranda:
Average total assets$32,590,0005,565
Average earning assets$29,014,0005,561
Average equity$4,088,3305,513
Average total loans$21,753,0005,357
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4755%83
Cost of funding earning assets0.1653%5,264
Net interest margin6.3102%57
Noninterest income to average assets1.4941%488
Noninterest expense to average assets4.4698%344
Loan and lease loss provision to assets0.5556%178
Net operating income to assets1.3829%1,033
Return on assets (ROA)1.3829%1,066
Pretax return on assets2.1238%398
Return on Equity (ROE)11.0508%1,538
Retained earnings to average equity (ytd only)7.1041%1,811
Net charge-offs to loans1.8315%83
Credit loss provision to net charge-offs45.0000%2,032
Earnings coverage of net charge-offs (x)2.1700%2,631
Efficiency ratio62.5216%4,072
Assets per employee ($millions)2.3586%5,670
Cash dividends to net income (ytd only)*35.7143%2,143
Condition Ratios (%)
Loss allowance to loans2.4522%330
Loan loss allowance to noncurrent loans336.7089%1,470
Noncurrent assets plus other real estate owned to assets0.7813%2,346
Noncurrent loans to loans0.7283%2,678
Net loans and leases to total assets64.0915%3,262
Net loans and leases to deposits74.1313%3,388
Net loans and leases to core deposits75.0994%3,732
Total domestic deposits to total assets86.4567%2,463
Equity capital to assets12.3864%1,609
Core capital (leverage) ratio12.4158%1,379
Tier 1 risk-based capital ratio16.2192%2,467
Total risk-based capital ratio17.4765%2,404
Memoranda:
Average total assets$32,395,0005,631
Average earning assets$29,032,5005,624
Average equity$4,054,0005,576
Average total loans$21,840,0005,412
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3912%75
Cost of funding earning assets0.1605%5,352
Net interest margin6.2307%58
Noninterest income to average assets1.5514%502
Noninterest expense to average assets4.3250%441
Loan and lease loss provision to assets0.3761%437
Net operating income to assets1.5733%722
Return on assets (ROA)1.5733%753
Pretax return on assets2.4477%217
Return on Equity (ROE)13.0709%977
Retained earnings to average equity (ytd only)8.8267%620
Net charge-offs to loans0.0709%2,683
Credit loss provision to net charge-offs800.0000%463
Earnings coverage of net charge-offs (x)60.0667%887
Efficiency ratio60.4998%4,504
Assets per employee ($millions)2.4438%5,683
Cash dividends to net income (ytd only)*32.4701%3,219
Condition Ratios (%)
Loss allowance to loans2.6700%262
Loan loss allowance to noncurrent loans322.5275%1,536
Noncurrent assets plus other real estate owned to assets0.5729%3,016
Noncurrent loans to loans0.8278%2,455
Net loans and leases to total assets67.3528%2,879
Net loans and leases to deposits78.4844%3,049
Net loans and leases to core deposits79.5583%3,434
Total domestic deposits to total assets85.8168%2,672
Equity capital to assets12.6472%1,430
Core capital (leverage) ratio12.3954%1,384
Tier 1 risk-based capital ratio15.9738%2,556
Total risk-based capital ratio17.2348%2,488
Memoranda:
Average total assets$31,907,6005,689
Average earning assets$28,664,4005,680
Average equity$3,840,6005,660
Average total loans$21,141,8005,484
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3398%82
Cost of funding earning assets0.1625%5,398
Net interest margin6.1774%58
Noninterest income to average assets1.5194%529
Noninterest expense to average assets4.3244%435
Loan and lease loss provision to assets0.3757%405
Net operating income to assets1.5277%830
Return on assets (ROA)1.5277%877
Pretax return on assets2.3751%266
Return on Equity (ROE)12.8545%1,095
Retained earnings to average equity (ytd only)8.5698%953
Net charge-offs to loans0.0828%2,142
Credit loss provision to net charge-offs692.3077%570
Earnings coverage of net charge-offs (x)50.7005%1,059
Efficiency ratio61.1209%4,370
Assets per employee ($millions)2.3966%5,770
Cash dividends to net income (ytd only)*33.3327%2,676
Condition Ratios (%)
Loss allowance to loans2.6023%292
Loan loss allowance to noncurrent loans232.9167%1,999
Noncurrent assets plus other real estate owned to assets0.7703%2,622
Noncurrent loans to loans1.1173%2,017
Net loans and leases to total assets67.1524%2,930
Net loans and leases to deposits78.2365%3,162
Net loans and leases to core deposits79.3251%3,518
Total domestic deposits to total assets85.8326%2,436
Equity capital to assets12.5947%1,716
Core capital (leverage) ratio12.1217%1,589
Tier 1 risk-based capital ratio15.9092%2,665
Total risk-based capital ratio17.1710%2,601
Memoranda:
Average total assets$31,942,0005,749
Average earning assets$28,727,7505,741
Average equity$3,796,2505,729
Average total loans$20,931,0005,542
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2385%96
Cost of funding earning assets0.1658%5,450
Net interest margin6.0727%67
Noninterest income to average assets1.4594%546
Noninterest expense to average assets4.3411%433
Loan and lease loss provision to assets0.3726%417
Net operating income to assets1.4222%1,026
Return on assets (ROA)1.4222%1,067
Pretax return on assets2.2047%378
Return on Equity (ROE)12.2014%1,244
Retained earnings to average equity (ytd only)7.8856%1,207
Net charge-offs to loans0.0193%3,111
Credit loss provision to net charge-offs3,000.0000%143
Earnings coverage of net charge-offs (x)207.5000%316
Efficiency ratio62.7469%4,222
Assets per employee ($millions)2.3072%5,858
Cash dividends to net income (ytd only)*35.3712%2,626
Condition Ratios (%)
Loss allowance to loans2.5822%326
Loan loss allowance to noncurrent loans729.7297%763
Noncurrent assets plus other real estate owned to assets0.2291%4,576
Noncurrent loans to loans0.3539%4,104
Net loans and leases to total assets63.0693%3,492
Net loans and leases to deposits72.5809%3,739
Net loans and leases to core deposits73.5425%4,025
Total domestic deposits to total assets86.8951%1,965
Equity capital to assets11.8479%2,234
Core capital (leverage) ratio11.4823%2,005
Tier 1 risk-based capital ratio15.8661%2,706
Total risk-based capital ratio17.1274%2,638
Memoranda:
Average total assets$32,204,0005,816
Average earning assets$28,949,3305,808
Average equity$3,753,6705,800
Average total loans$20,747,6705,609
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1574%105
Cost of funding earning assets0.1660%5,498
Net interest margin5.9913%68
Noninterest income to average assets1.4679%521
Noninterest expense to average assets4.3538%435
Loan and lease loss provision to assets0.3732%386
Net operating income to assets1.3684%1,098
Return on assets (ROA)1.3684%1,163
Pretax return on assets2.1272%436
Return on Equity (ROE)11.8375%1,360
Retained earnings to average equity (ytd only)8.1786%1,385
Net charge-offs to loans-0.1548%5,780
Credit loss provision to net charge-offs-375.0000%4,472
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5209%4,211
Assets per employee ($millions)2.1247%5,966
Cash dividends to net income (ytd only)*30.9091%2,346
Condition Ratios (%)
Loss allowance to loans2.5210%381
Loan loss allowance to noncurrent loans337.0130%1,457
Noncurrent assets plus other real estate owned to assets0.4832%3,667
Noncurrent loans to loans0.7480%2,966
Net loans and leases to total assets62.9683%3,391
Net loans and leases to deposits72.3067%3,622
Net loans and leases to core deposits73.2756%3,959
Total domestic deposits to total assets87.0850%2,169
Equity capital to assets11.7822%2,173
Core capital (leverage) ratio11.2593%2,179
Tier 1 risk-based capital ratio16.0603%2,656
Total risk-based capital ratio17.3227%2,601
Memoranda:
Average total assets$32,155,5005,876
Average earning assets$28,908,5005,865
Average equity$3,717,0005,854
Average total loans$20,665,5005,658
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9716%138
Cost of funding earning assets0.1614%5,596
Net interest margin5.8102%81
Noninterest income to average assets1.5177%544
Noninterest expense to average assets4.0339%641
Loan and lease loss provision to assets0.3451%434
Net operating income to assets1.4810%893
Return on assets (ROA)1.4810%923
Pretax return on assets2.3055%289
Return on Equity (ROE)13.8255%880
Retained earnings to average equity (ytd only)9.2075%606
Net charge-offs to loans0.3104%968
Credit loss provision to net charge-offs179.3651%1,514
Earnings coverage of net charge-offs (x)13.7778%2,349
Efficiency ratio60.3472%4,864
Assets per employee ($millions)2.4955%5,892
Cash dividends to net income (ytd only)*33.4021%3,184
Condition Ratios (%)
Loss allowance to loans2.3236%499
Loan loss allowance to noncurrent loans334.7222%1,481
Noncurrent assets plus other real estate owned to assets0.4439%3,837
Noncurrent loans to loans0.6942%3,113
Net loans and leases to total assets62.4580%3,495
Net loans and leases to deposits71.7188%3,747
Net loans and leases to core deposits72.6601%4,075
Total domestic deposits to total assets87.0873%2,082
Equity capital to assets11.3406%2,506
Core capital (leverage) ratio11.3422%2,092
Tier 1 risk-based capital ratio15.5500%2,906
Total risk-based capital ratio16.8068%2,834
Memoranda:
Average total assets$32,747,6005,915
Average earning assets$29,121,0005,919
Average equity$3,508,0005,926
Average total loans$20,297,0005,710
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9358%143
Cost of funding earning assets0.1603%5,704
Net interest margin5.7754%86
Noninterest income to average assets1.5232%537
Noninterest expense to average assets4.0741%613
Loan and lease loss provision to assets0.3371%401
Net operating income to assets1.4338%1,039
Return on assets (ROA)1.4338%1,087
Pretax return on assets2.2340%379
Return on Equity (ROE)13.5820%985
Retained earnings to average equity (ytd only)8.9266%932
Net charge-offs to loans0.4293%590
Credit loss provision to net charge-offs127.6923%1,901
Earnings coverage of net charge-offs (x)9.7390%2,670
Efficiency ratio61.3081%4,677
Assets per employee ($millions)2.4423%5,983
Cash dividends to net income (ytd only)*34.2781%2,605
Condition Ratios (%)
Loss allowance to loans2.1554%711
Loan loss allowance to noncurrent loans284.8101%1,678
Noncurrent assets plus other real estate owned to assets0.4976%3,834
Noncurrent loans to loans0.7568%3,069
Net loans and leases to total assets64.3402%3,251
Net loans and leases to deposits74.6010%3,467
Net loans and leases to core deposits75.6117%3,838
Total domestic deposits to total assets86.2457%2,415
Equity capital to assets11.3008%2,696
Core capital (leverage) ratio10.8142%2,698
Tier 1 risk-based capital ratio15.1111%3,240
Total risk-based capital ratio16.3685%3,171
Memoranda:
Average total assets$32,824,2505,996
Average earning assets$29,111,0005,995
Average equity$3,465,2506,009
Average total loans$20,185,2505,782
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8004%163
Cost of funding earning assets0.1636%5,750
Net interest margin5.6368%104
Noninterest income to average assets1.4646%593
Noninterest expense to average assets4.0142%666
Loan and lease loss provision to assets0.3134%464
Net operating income to assets1.3622%1,159
Return on assets (ROA)1.3622%1,204
Pretax return on assets2.1216%478
Return on Equity (ROE)13.1997%1,077
Retained earnings to average equity (ytd only)8.4688%1,089
Net charge-offs to loans0.6615%348
Credit loss provision to net charge-offs78.7879%2,348
Earnings coverage of net charge-offs (x)6.1212%2,822
Efficiency ratio62.2430%4,644
Assets per employee ($millions)2.5496%6,002
Cash dividends to net income (ytd only)*35.8407%2,586
Condition Ratios (%)
Loss allowance to loans2.0549%906
Loan loss allowance to noncurrent loans319.0840%1,535
Noncurrent assets plus other real estate owned to assets0.3952%4,322
Noncurrent loans to loans0.6440%3,550
Net loans and leases to total assets60.1116%3,822
Net loans and leases to deposits68.7817%4,052
Net loans and leases to core deposits69.6595%4,351
Total domestic deposits to total assets87.3948%1,968
Equity capital to assets10.5627%3,376
Core capital (leverage) ratio10.0655%3,507
Tier 1 risk-based capital ratio14.4884%3,645
Total risk-based capital ratio15.7461%3,565
Memoranda:
Average total assets$33,182,3306,058
Average earning assets$29,343,0006,054
Average equity$3,424,3306,075
Average total loans$19,954,3305,850
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5764%232
Cost of funding earning assets0.1616%5,832
Net interest margin5.4148%133
Noninterest income to average assets1.3494%633
Noninterest expense to average assets3.9999%695
Loan and lease loss provision to assets0.3132%442
Net operating income to assets1.2048%1,534
Return on assets (ROA)1.2048%1,626
Pretax return on assets1.8795%744
Return on Equity (ROE)11.8133%1,395
Retained earnings to average equity (ytd only)7.0880%1,975
Net charge-offs to loans0.4251%578
Credit loss provision to net charge-offs123.8095%1,418
Earnings coverage of net charge-offs (x)8.6667%2,070
Efficiency ratio64.5914%4,383
Assets per employee ($millions)2.6061%6,042
Cash dividends to net income (ytd only)*40.0000%2,044
Condition Ratios (%)
Loss allowance to loans2.2062%800
Loan loss allowance to noncurrent loans373.5043%1,293
Noncurrent assets plus other real estate owned to assets0.3453%4,621
Noncurrent loans to loans0.5907%3,807
Net loans and leases to total assets57.1770%4,065
Net loans and leases to deposits64.7860%4,289
Net loans and leases to core deposits65.5866%4,561
Total domestic deposits to total assets88.2553%1,684
Equity capital to assets10.0829%4,045
Core capital (leverage) ratio10.0709%3,509
Tier 1 risk-based capital ratio51.7107%142
Total risk-based capital ratio53.0171%141
Memoranda:
Average total assets$33,201,0006,118
Average earning assets$29,696,5006,112
Average equity$3,386,0006,141
Average total loans$19,760,5005,907
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6788%236
Cost of funding earning assets0.1741%5,950
Net interest margin5.5047%132
Noninterest income to average assets1.9874%346
Noninterest expense to average assets4.1719%619
Loan and lease loss provision to assets0.2862%730
Net operating income to assets1.5136%854
Return on assets (ROA)1.5136%888
Pretax return on assets2.3562%249
Return on Equity (ROE)14.9216%792
Retained earnings to average equity (ytd only)9.8746%540
Net charge-offs to loans0.0858%3,268
Credit loss provision to net charge-offs600.0000%438
Earnings coverage of net charge-offs (x)55.4000%848
Efficiency ratio61.2226%5,038
Assets per employee ($millions)2.5018%6,159
Cash dividends to net income (ytd only)*33.8235%3,183
Condition Ratios (%)
Loss allowance to loans2.1914%833
Loan loss allowance to noncurrent loans340.1575%1,464
Noncurrent assets plus other real estate owned to assets0.3905%4,520
Noncurrent loans to loans0.6442%3,753
Net loans and leases to total assets59.2842%3,879
Net loans and leases to deposits67.2140%4,200
Net loans and leases to core deposits69.3038%4,381
Total domestic deposits to total assets88.2022%1,660
Equity capital to assets10.3189%3,699
Core capital (leverage) ratio10.3290%3,130
Tier 1 risk-based capital ratio13.9661%4,114
Total risk-based capital ratio15.2237%4,036
Memoranda:
Average total assets$31,448,6006,224
Average earning assets$27,576,4006,228
Average equity$3,190,0006,231
Average total loans$17,491,8006,066
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6228%265
Cost of funding earning assets0.1763%6,022
Net interest margin5.4464%150
Noninterest income to average assets2.0312%336
Noninterest expense to average assets4.2547%582
Loan and lease loss provision to assets0.2908%684
Net operating income to assets1.4411%1,046
Return on assets (ROA)1.4411%1,088
Pretax return on assets2.2407%340
Return on Equity (ROE)14.2709%937
Retained earnings to average equity (ytd only)9.1469%940
Net charge-offs to loans0.2204%1,719
Credit loss provision to net charge-offs242.8571%1,081
Earnings coverage of net charge-offs (x)21.1441%1,693
Efficiency ratio62.6969%4,782
Assets per employee ($millions)2.2339%6,370
Cash dividends to net income (ytd only)*35.9054%2,537
Condition Ratios (%)
Loss allowance to loans2.1900%960
Loan loss allowance to noncurrent loans381.7308%1,247
Noncurrent assets plus other real estate owned to assets0.3325%4,938
Noncurrent loans to loans0.5737%4,197
Net loans and leases to total assets56.6957%4,240
Net loans and leases to deposits64.7140%4,458
Net loans and leases to core deposits66.2000%4,685
Total domestic deposits to total assets87.6095%1,972
Equity capital to assets10.4144%3,664
Core capital (leverage) ratio10.0291%3,639
Tier 1 risk-based capital ratio14.7543%3,728
Total risk-based capital ratio16.0121%3,666
Memoranda:
Average total assets$31,180,0006,306
Average earning assets$27,222,0006,309
Average equity$3,148,5006,310
Average total loans$16,936,5006,154
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4666%326
Cost of funding earning assets0.1847%6,037
Net interest margin5.2819%173
Noninterest income to average assets2.0161%339
Noninterest expense to average assets4.2891%555
Loan and lease loss provision to assets0.2889%689
Net operating income to assets1.3098%1,279
Return on assets (ROA)1.3098%1,331
Pretax return on assets2.0290%527
Return on Equity (ROE)13.1091%1,148
Retained earnings to average equity (ytd only)7.9683%1,340
Net charge-offs to loans0.1814%1,948
Credit loss provision to net charge-offs300.0000%849
Earnings coverage of net charge-offs (x)24.0667%1,441
Efficiency ratio64.9174%4,551
Assets per employee ($millions)2.4206%6,340
Cash dividends to net income (ytd only)*39.2157%2,436
Condition Ratios (%)
Loss allowance to loans2.2474%959
Loan loss allowance to noncurrent loans222.4138%1,956
Noncurrent assets plus other real estate owned to assets0.5529%4,334
Noncurrent loans to loans1.0105%3,215
Net loans and leases to total assets53.4924%4,597
Net loans and leases to deposits60.5896%4,816
Net loans and leases to core deposits61.9589%4,970
Total domestic deposits to total assets88.2865%1,745
Equity capital to assets10.0578%4,024
Core capital (leverage) ratio9.4761%4,363
Tier 1 risk-based capital ratio14.4713%3,946
Total risk-based capital ratio15.7278%3,885
Memoranda:
Average total assets$31,148,6706,366
Average earning assets$27,073,6706,374
Average equity$3,112,3306,369
Average total loans$16,539,3306,219
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3341%391
Cost of funding earning assets0.1793%6,172
Net interest margin5.1548%201
Noninterest income to average assets1.9749%342
Noninterest expense to average assets4.3499%527
Loan and lease loss provision to assets0.2840%709
Net operating income to assets1.1617%1,590
Return on assets (ROA)1.1617%1,661
Pretax return on assets1.7942%806
Return on Equity (ROE)11.6656%1,506
Retained earnings to average equity (ytd only)11.6656%657
Net charge-offs to loans0.7161%493
Credit loss provision to net charge-offs75.8621%1,949
Earnings coverage of net charge-offs (x)5.5517%2,359
Efficiency ratio67.6707%4,233
Assets per employee ($millions)2.4615%6,396
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.1087%1,308
Loan loss allowance to noncurrent loans573.7705%828
Noncurrent assets plus other real estate owned to assets0.1906%5,649
Noncurrent loans to loans0.3675%5,021
Net loans and leases to total assets50.7766%4,818
Net loans and leases to deposits57.1127%5,024
Net loans and leases to core deposits58.3726%5,175
Total domestic deposits to total assets88.9059%1,721
Equity capital to assets9.7847%4,126
Core capital (leverage) ratio9.7687%3,906
Tier 1 risk-based capital ratio15.7475%3,301
Total risk-based capital ratio17.0059%3,263
Memoranda:
Average total assets$30,989,0006,436
Average earning assets$26,771,0006,448
Average equity$3,086,0006,428
Average total loans$16,199,0006,298
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3257%505
Cost of funding earning assets0.2099%6,233
Net interest margin5.1158%247
Noninterest income to average assets2.0756%371
Noninterest expense to average assets4.3543%597
Loan and lease loss provision to assets0.2032%1,830
Net operating income to assets1.2866%1,283
Return on assets (ROA)1.2866%1,336
Pretax return on assets1.9740%516
Return on Equity (ROE)12.0094%1,416
Retained earnings to average equity (ytd only)-0.4741%5,968
Net charge-offs to loans0.3242%2,062
Credit loss provision to net charge-offs125.0000%1,900
Earnings coverage of net charge-offs (x)13.3958%2,028
Efficiency ratio66.6667%4,435
Assets per employee ($millions)2.3061%6,519
Cash dividends to net income (ytd only)*103.9474%348
Condition Ratios (%)
Loss allowance to loans2.2595%1,096
Loan loss allowance to noncurrent loans673.5849%727
Noncurrent assets plus other real estate owned to assets0.1768%5,785
Noncurrent loans to loans0.3354%5,179
Net loans and leases to total assets51.5127%4,920
Net loans and leases to deposits58.0433%5,120
Net loans and leases to core deposits58.8462%5,318
Total domestic deposits to total assets88.7488%1,778
Equity capital to assets10.1438%3,576
Core capital (leverage) ratio10.0470%3,498
Tier 1 risk-based capital ratio14.9708%3,688
Total risk-based capital ratio16.2294%3,622
Memoranda:
Average total assets$29,534,2006,522
Average earning assets$25,724,4006,535
Average equity$3,164,2006,504
Average total loans$14,806,0006,428
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2542%580
Cost of funding earning assets0.2179%6,304
Net interest margin5.0364%297
Noninterest income to average assets2.0754%399
Noninterest expense to average assets4.3819%589
Loan and lease loss provision to assets0.1722%2,111
Net operating income to assets1.2552%1,470
Return on assets (ROA)1.2552%1,539
Pretax return on assets1.9214%684
Return on Equity (ROE)11.5593%1,640
Retained earnings to average equity (ytd only)11.5593%496
Net charge-offs to loans0.4580%1,399
Credit loss provision to net charge-offs76.0000%2,947
Earnings coverage of net charge-offs (x)9.2392%2,508
Efficiency ratio67.6697%4,157
Assets per employee ($millions)2.2460%6,620
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.1840%1,352
Loan loss allowance to noncurrent loans605.4545%756
Noncurrent assets plus other real estate owned to assets0.1884%5,878
Noncurrent loans to loans0.3607%5,309
Net loans and leases to total assets51.0788%4,998
Net loans and leases to deposits58.4290%5,146
Net loans and leases to core deposits59.2719%5,352
Total domestic deposits to total assets87.4204%2,453
Equity capital to assets11.4117%2,368
Core capital (leverage) ratio10.9823%2,505
Tier 1 risk-based capital ratio17.0858%2,671
Total risk-based capital ratio18.3405%2,634
Memoranda:
Average total assets$29,423,0006,603
Average earning assets$25,705,5006,613
Average equity$3,195,0006,571
Average total loans$14,557,5006,502
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1715%668
Cost of funding earning assets0.2248%6,344
Net interest margin4.9466%337
Noninterest income to average assets2.0815%419
Noninterest expense to average assets4.3122%620
Loan and lease loss provision to assets0.1017%3,096
Net operating income to assets1.3018%1,317
Return on assets (ROA)1.3018%1,403
Pretax return on assets1.9934%615
Return on Equity (ROE)12.1931%1,431
Retained earnings to average equity (ytd only)12.1931%461
Net charge-offs to loans0.6142%1,079
Credit loss provision to net charge-offs34.0909%3,515
Earnings coverage of net charge-offs (x)7.0227%2,612
Efficiency ratio67.3016%4,313
Assets per employee ($millions)2.2813%6,647
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.2213%1,381
Loan loss allowance to noncurrent loans544.8276%801
Noncurrent assets plus other real estate owned to assets0.2698%5,685
Noncurrent loans to loans0.4077%5,242
Net loans and leases to total assets46.9029%5,435
Net loans and leases to deposits53.2359%5,585
Net loans and leases to core deposits53.9859%5,757
Total domestic deposits to total assets88.1040%2,170
Equity capital to assets10.9485%2,800
Core capital (leverage) ratio10.3594%3,033
Tier 1 risk-based capital ratio16.7667%2,804
Total risk-based capital ratio18.0205%2,779
Memoranda:
Average total assets$29,498,0006,654
Average earning assets$25,795,3306,662
Average equity$3,149,3306,627
Average total loans$14,327,6706,552
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2308%575
Cost of funding earning assets0.2186%6,485
Net interest margin5.0122%292
Noninterest income to average assets2.0939%408
Noninterest expense to average assets4.4598%553
Loan and lease loss provision to assets0.1088%2,883
Net operating income to assets1.2373%1,418
Return on assets (ROA)1.2373%1,526
Pretax return on assets1.8900%749
Return on Equity (ROE)11.7400%1,486
Retained earnings to average equity (ytd only)11.7400%736
Net charge-offs to loans0.5842%1,040
Credit loss provision to net charge-offs38.0952%2,776
Earnings coverage of net charge-offs (x)7.0000%2,134
Efficiency ratio69.0526%4,137
Assets per employee ($millions)2.5448%6,540
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.3593%1,318
Loan loss allowance to noncurrent loans6,640.0000%106
Noncurrent assets plus other real estate owned to assets0.2194%5,907
Noncurrent loans to loans0.0355%6,385
Net loans and leases to total assets44.9946%5,548
Net loans and leases to deposits51.0591%5,705
Net loans and leases to core deposits51.7553%5,839
Total domestic deposits to total assets88.1226%2,243
Equity capital to assets10.3023%3,792
Core capital (leverage) ratio10.3432%2,979
Tier 1 risk-based capital ratio17.9122%2,404
Total risk-based capital ratio19.1724%2,360
Memoranda:
Average total assets$29,418,5006,724
Average earning assets$25,617,5006,728
Average equity$3,100,5006,699
Average total loans$14,378,5006,611
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8267%349
Cost of funding earning assets0.3526%6,191
Net interest margin5.4741%177
Noninterest income to average assets2.2469%370
Noninterest expense to average assets4.5998%518
Loan and lease loss provision to assets0.1098%4,257
Net operating income to assets1.4967%923
Return on assets (ROA)1.4967%1,012
Pretax return on assets2.3091%334
Return on Equity (ROE)13.7276%1,049
Retained earnings to average equity (ytd only)8.0217%1,117
Net charge-offs to loans0.4586%2,403
Credit loss provision to net charge-offs44.1176%4,838
Earnings coverage of net charge-offs (x)9.7206%2,232
Efficiency ratio65.5370%4,595
Assets per employee ($millions)2.1769%6,847
Cash dividends to net income (ytd only)*41.5648%2,778
Condition Ratios (%)
Loss allowance to loans2.3493%1,309
Loan loss allowance to noncurrent loans1,189.6552%402
Noncurrent assets plus other real estate owned to assets0.2438%5,938
Noncurrent loans to loans0.1975%5,974
Net loans and leases to total assets50.6714%5,080
Net loans and leases to deposits57.8319%5,256
Net loans and leases to core deposits58.6887%5,482
Total domestic deposits to total assets87.6184%2,470
Equity capital to assets10.7951%3,182
Core capital (leverage) ratio10.5415%2,718
Tier 1 risk-based capital ratio15.7094%3,309
Total risk-based capital ratio16.9651%3,269
Memoranda:
Average total assets$27,327,0006,814
Average earning assets$23,821,4006,818
Average equity$2,979,4006,787
Average total loans$14,829,2006,667
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8840%344
Cost of funding earning assets0.3720%6,262
Net interest margin5.5120%171
Noninterest income to average assets2.2251%362
Noninterest expense to average assets4.6718%472
Loan and lease loss provision to assets0.1132%4,147
Net operating income to assets1.4621%1,095
Return on assets (ROA)1.4621%1,218
Pretax return on assets2.2547%437
Return on Equity (ROE)13.3758%1,249
Retained earnings to average equity (ytd only)13.3758%360
Net charge-offs to loans0.5113%2,075
Credit loss provision to net charge-offs40.3509%4,611
Earnings coverage of net charge-offs (x)8.4384%2,442
Efficiency ratio66.3636%4,381
Assets per employee ($millions)2.0343%6,990
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.3513%1,431
Loan loss allowance to noncurrent loans405.8140%923
Noncurrent assets plus other real estate owned to assets0.3252%5,878
Noncurrent loans to loans0.5794%5,280
Net loans and leases to total assets54.8060%4,621
Net loans and leases to deposits63.3811%4,791
Net loans and leases to core deposits64.3977%5,109
Total domestic deposits to total assets86.4705%3,002
Equity capital to assets11.7749%2,458
Core capital (leverage) ratio11.1620%2,245
Tier 1 risk-based capital ratio17.9375%2,375
Total risk-based capital ratio19.1954%2,345
Memoranda:
Average total assets$27,083,7506,910
Average earning assets$23,656,7506,911
Average equity$2,960,5006,882
Average total loans$14,865,2506,752
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7491%436
Cost of funding earning assets0.3844%6,357
Net interest margin5.3648%224
Noninterest income to average assets2.1688%356
Noninterest expense to average assets4.6233%493
Loan and lease loss provision to assets0.1099%4,151
Net operating income to assets1.3921%1,206
Return on assets (ROA)1.3921%1,350
Pretax return on assets2.1395%535
Return on Equity (ROE)13.0614%1,350
Retained earnings to average equity (ytd only)13.0614%433
Net charge-offs to loans0.2555%3,047
Credit loss provision to net charge-offs78.9474%3,346
Earnings coverage of net charge-offs (x)16.1579%1,606
Efficiency ratio67.2708%4,277
Assets per employee ($millions)2.1104%7,012
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.5482%1,220
Loan loss allowance to noncurrent loans315.8333%1,132
Noncurrent assets plus other real estate owned to assets0.4374%5,683
Noncurrent loans to loans0.8068%4,894
Net loans and leases to total assets52.8303%4,984
Net loans and leases to deposits61.0531%5,123
Net loans and leases to core deposits61.9958%5,387
Total domestic deposits to total assets86.5318%3,050
Equity capital to assets10.9568%3,164
Core capital (leverage) ratio10.4249%2,895
Tier 1 risk-based capital ratio16.3599%2,976
Total risk-based capital ratio17.6226%2,943
Memoranda:
Average total assets$27,296,3306,964
Average earning assets$23,934,0006,963
Average equity$2,909,3306,931
Average total loans$14,872,6706,806
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7250%493
Cost of funding earning assets0.3850%6,485
Net interest margin5.3400%234
Noninterest income to average assets2.0568%393
Noninterest expense to average assets4.6278%491
Loan and lease loss provision to assets0.1028%4,051
Net operating income to assets1.3075%1,440
Return on assets (ROA)1.3075%1,610
Pretax return on assets2.0127%720
Return on Equity (ROE)12.4432%1,543
Retained earnings to average equity (ytd only)12.4432%760
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6275%4,047
Assets per employee ($millions)2.1812%7,054
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.6475%1,177
Loan loss allowance to noncurrent loans348.2143%960
Noncurrent assets plus other real estate owned to assets0.3950%5,880
Noncurrent loans to loans0.7603%5,139
Net loans and leases to total assets50.5766%5,222
Net loans and leases to deposits57.7288%5,412
Net loans and leases to core deposits58.5777%5,666
Total domestic deposits to total assets87.6107%2,583
Equity capital to assets10.2486%3,793
Core capital (leverage) ratio10.2692%3,037
Tier 1 risk-based capital ratio16.0554%3,147
Total risk-based capital ratio17.3159%3,108
Memoranda:
Average total assets$27,227,0007,021
Average earning assets$23,895,0007,024
Average equity$2,861,0006,989
Average total loans$14,872,5006,866
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3486%235
Cost of funding earning assets0.4857%6,591
Net interest margin5.8629%108
Noninterest income to average assets2.8471%223
Noninterest expense to average assets4.7829%465
Loan and lease loss provision to assets0.7486%1,349
Net operating income to assets1.5729%714
Return on assets (ROA)1.5729%766
Pretax return on assets2.4274%239
Return on Equity (ROE)14.8434%780
Retained earnings to average equity (ytd only)5.9231%2,060
Net charge-offs to loans0.1545%4,903
Credit loss provision to net charge-offs825.0000%270
Earnings coverage of net charge-offs (x)35.0000%746
Efficiency ratio60.0950%5,741
Assets per employee ($millions)2.0076%7,160
Cash dividends to net income (ytd only)*60.0962%1,558
Condition Ratios (%)
Loss allowance to loans2.5510%1,247
Loan loss allowance to noncurrent loans281.6176%1,180
Noncurrent assets plus other real estate owned to assets0.5211%5,661
Noncurrent loans to loans0.9058%4,873
Net loans and leases to total assets56.0596%4,687
Net loans and leases to deposits64.0727%4,999
Net loans and leases to core deposits65.0990%5,353
Total domestic deposits to total assets87.4938%2,476
Equity capital to assets10.7897%3,208
Core capital (leverage) ratio10.3302%2,936
Tier 1 risk-based capital ratio16.0078%3,046
Total risk-based capital ratio17.2708%2,992
Memoranda:
Average total assets$26,448,4007,063
Average earning assets$23,060,2007,077
Average equity$2,802,6007,054
Average total loans$15,537,4006,880
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4167%217
Cost of funding earning assets0.5025%6,683
Net interest margin5.9142%103
Noninterest income to average assets3.0197%217
Noninterest expense to average assets4.8286%430
Loan and lease loss provision to assets0.9195%964
Net operating income to assets1.5677%821
Return on assets (ROA)1.5677%895
Pretax return on assets2.4168%287
Return on Equity (ROE)14.8608%857
Retained earnings to average equity (ytd only)14.8608%240
Net charge-offs to loans0.1447%4,618
Credit loss provision to net charge-offs1,076.4706%252
Earnings coverage of net charge-offs (x)39.0521%782
Efficiency ratio59.1385%5,844
Assets per employee ($millions)2.0241%7,230
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.4226%1,502
Loan loss allowance to noncurrent loans412.0879%777
Noncurrent assets plus other real estate owned to assets0.3458%6,201
Noncurrent loans to loans0.5879%5,698
Net loans and leases to total assets57.4013%4,606
Net loans and leases to deposits65.9477%4,913
Net loans and leases to core deposits66.9979%5,306
Total domestic deposits to total assets87.0406%2,629
Equity capital to assets11.2530%2,909
Core capital (leverage) ratio10.9263%2,452
Tier 1 risk-based capital ratio16.3683%2,929
Total risk-based capital ratio17.6283%2,889
Memoranda:
Average total assets$26,535,7507,131
Average earning assets$23,085,0007,147
Average equity$2,799,2507,120
Average total loans$15,668,2506,936
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3245%271
Cost of funding earning assets0.5285%6,749
Net interest margin5.7960%111
Noninterest income to average assets3.2319%209
Noninterest expense to average assets4.7726%450
Loan and lease loss provision to assets1.1499%694
Net operating income to assets1.5182%850
Return on assets (ROA)1.5182%914
Pretax return on assets2.3375%324
Return on Equity (ROE)14.7159%851
Retained earnings to average equity (ytd only)14.7159%264
Net charge-offs to loans0.2288%3,752
Credit loss provision to net charge-offs850.0000%384
Earnings coverage of net charge-offs (x)25.7778%1,034
Efficiency ratio57.7798%6,192
Assets per employee ($millions)2.0779%7,244
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2102%1,904
Loan loss allowance to noncurrent loans464.8649%718
Noncurrent assets plus other real estate owned to assets0.2739%6,444
Noncurrent loans to loans0.4755%5,955
Net loans and leases to total assets56.3432%4,935
Net loans and leases to deposits63.9469%5,279
Net loans and leases to core deposits64.9234%5,615
Total domestic deposits to total assets88.1094%2,069
Equity capital to assets10.5579%3,435
Core capital (leverage) ratio10.1043%3,141
Tier 1 risk-based capital ratio15.4721%3,263
Total risk-based capital ratio16.7330%3,201
Memoranda:
Average total assets$26,610,0007,197
Average earning assets$23,085,0007,212
Average equity$2,745,3307,191
Average total loans$15,731,3306,995
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1926%338
Cost of funding earning assets0.5598%6,766
Net interest margin5.6328%135
Noninterest income to average assets2.1508%330
Noninterest expense to average assets4.7106%475
Loan and lease loss provision to assets0.3484%2,472
Net operating income to assets1.3026%1,258
Return on assets (ROA)1.3026%1,301
Pretax return on assets1.9691%588
Return on Equity (ROE)12.7786%1,254
Retained earnings to average equity (ytd only)12.7786%623
Net charge-offs to loans-0.0253%6,648
Credit loss provision to net charge-offs-2,300.0000%6,268
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0259%4,847
Assets per employee ($millions)2.0632%7,331
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4875%4,273
Loan loss allowance to noncurrent loans70.6061%3,894
Noncurrent assets plus other real estate owned to assets1.2303%4,496
Noncurrent loans to loans2.1067%3,436
Net loans and leases to total assets57.5311%4,717
Net loans and leases to deposits64.7817%5,159
Net loans and leases to core deposits65.7674%5,536
Total domestic deposits to total assets88.8077%1,891
Equity capital to assets10.1969%3,546
Core capital (leverage) ratio9.9665%3,184
Tier 1 risk-based capital ratio14.8596%3,500
Total risk-based capital ratio16.1124%3,461
Memoranda:
Average total assets$26,408,5007,251
Average earning assets$22,866,0007,267
Average equity$2,692,0007,243
Average total loans$15,815,0007,045
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7590%214
Cost of funding earning assets0.6230%7,076
Net interest margin6.1360%88
Noninterest income to average assets2.1559%351
Noninterest expense to average assets4.7760%513
Loan and lease loss provision to assets0.3453%4,068
Net operating income to assets1.4769%806
Return on assets (ROA)1.4769%864
Pretax return on assets2.2864%257
Return on Equity (ROE)14.0521%870
Retained earnings to average equity (ytd only)-4.1609%6,215
Net charge-offs to loans0.4346%3,883
Credit loss provision to net charge-offs132.3529%2,967
Earnings coverage of net charge-offs (x)10.0882%1,753
Efficiency ratio64.2672%5,300
Assets per employee ($millions)1.9996%7,423
Cash dividends to net income (ytd only)*129.6104%218
Condition Ratios (%)
Loss allowance to loans1.3090%4,959
Loan loss allowance to noncurrent loans64.5062%4,176
Noncurrent assets plus other real estate owned to assets1.5311%4,021
Noncurrent loans to loans2.0293%3,518
Net loans and leases to total assets60.6155%4,562
Net loans and leases to deposits68.6699%5,012
Net loans and leases to core deposits69.7521%5,468
Total domestic deposits to total assets88.2708%2,083
Equity capital to assets10.1904%3,514
Core capital (leverage) ratio9.9863%3,112
Tier 1 risk-based capital ratio14.2436%3,720
Total risk-based capital ratio15.4069%3,721
Memoranda:
Average total assets$26,067,6007,318
Average earning assets$22,311,0007,339
Average equity$2,739,8007,345
Average total loans$15,646,8007,133
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7116%237
Cost of funding earning assets0.6520%7,176
Net interest margin6.0596%86
Noninterest income to average assets2.0189%369
Noninterest expense to average assets4.7534%463
Loan and lease loss provision to assets0.3475%3,831
Net operating income to assets1.3596%1,191
Return on assets (ROA)1.3596%1,275
Pretax return on assets2.0956%510
Return on Equity (ROE)12.8384%1,298
Retained earnings to average equity (ytd only)-11.2456%6,934
Net charge-offs to loans0.5310%3,176
Credit loss provision to net charge-offs109.6774%3,868
Earnings coverage of net charge-offs (x)7.7101%2,280
Efficiency ratio65.7670%4,911
Assets per employee ($millions)1.8127%7,578
Cash dividends to net income (ytd only)*187.5938%95
Condition Ratios (%)
Loss allowance to loans1.2154%5,411
Loan loss allowance to noncurrent loans59.5679%4,347
Noncurrent assets plus other real estate owned to assets1.5683%4,090
Noncurrent loans to loans2.0404%3,633
Net loans and leases to total assets61.8094%4,571
Net loans and leases to deposits69.8397%5,176
Net loans and leases to core deposits70.9613%5,647
Total domestic deposits to total assets88.5019%1,670
Equity capital to assets9.9693%4,196
Core capital (leverage) ratio9.3395%4,148
Tier 1 risk-based capital ratio13.8943%3,917
Total risk-based capital ratio14.9937%3,981
Memoranda:
Average total assets$26,085,7507,408
Average earning assets$22,289,2507,438
Average equity$2,762,5007,433
Average total loans$15,567,0007,231
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5759%299
Cost of funding earning assets0.6772%7,240
Net interest margin5.8987%108
Noninterest income to average assets1.8616%390
Noninterest expense to average assets4.6958%479
Loan and lease loss provision to assets0.3419%3,684
Net operating income to assets1.2081%1,536
Return on assets (ROA)1.2081%1,609
Pretax return on assets1.8540%810
Return on Equity (ROE)11.1972%1,686
Retained earnings to average equity (ytd only)11.1972%614
Net charge-offs to loans0.7502%2,364
Credit loss provision to net charge-offs77.5862%4,775
Earnings coverage of net charge-offs (x)4.9828%2,789
Efficiency ratio67.8060%4,618
Assets per employee ($millions)1.9231%7,612
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1494%5,692
Loan loss allowance to noncurrent loans76.9912%3,525
Noncurrent assets plus other real estate owned to assets1.1143%4,899
Noncurrent loans to loans1.4929%4,464
Net loans and leases to total assets55.5807%5,772
Net loans and leases to deposits63.2246%6,114
Net loans and leases to core deposits64.1846%6,386
Total domestic deposits to total assets87.9100%2,049
Equity capital to assets10.8532%3,020
Core capital (leverage) ratio10.6825%2,474
Tier 1 risk-based capital ratio15.9743%2,683
Total risk-based capital ratio16.9564%2,765
Memoranda:
Average total assets$26,321,6707,458
Average earning assets$22,445,6707,494
Average equity$2,840,0007,464
Average total loans$15,463,0007,291
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5699%320
Cost of funding earning assets0.7300%7,271
Net interest margin5.8399%123
Noninterest income to average assets1.8754%371
Noninterest expense to average assets4.8730%405
Loan and lease loss provision to assets0.3536%3,254
Net operating income to assets1.1068%1,811
Return on assets (ROA)1.1068%1,893
Pretax return on assets1.6909%1,076
Return on Equity (ROE)10.2894%2,010
Retained earnings to average equity (ytd only)10.2894%1,085
Net charge-offs to loans0.1536%4,006
Credit loss provision to net charge-offs383.3333%1,055
Earnings coverage of net charge-offs (x)22.1667%1,101
Efficiency ratio70.0000%4,294
Assets per employee ($millions)1.8648%7,734
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3488%4,684
Loan loss allowance to noncurrent loans94.8837%2,910
Noncurrent assets plus other real estate owned to assets1.1070%4,939
Noncurrent loans to loans1.4215%4,603
Net loans and leases to total assets57.1533%5,579
Net loans and leases to deposits64.8401%5,958
Net loans and leases to core deposits65.8502%6,294
Total domestic deposits to total assets88.1449%1,978
Equity capital to assets10.8592%2,885
Core capital (leverage) ratio10.4297%2,695
Tier 1 risk-based capital ratio14.5125%3,368
Total risk-based capital ratio15.5918%3,431
Memoranda:
Average total assets$26,021,0007,566
Average earning assets$22,466,0007,585
Average equity$2,799,0007,552
Average total loans$15,625,5007,371
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4557%139
Cost of funding earning assets0.9641%7,278
Net interest margin6.4916%71
Noninterest income to average assets1.9809%382
Noninterest expense to average assets4.6944%653
Loan and lease loss provision to assets0.3683%4,582
Net operating income to assets1.5583%600
Return on assets (ROA)1.5583%642
Pretax return on assets2.3995%185
Return on Equity (ROE)15.7191%580
Retained earnings to average equity (ytd only)15.7191%82
Net charge-offs to loans1.1093%2,206
Credit loss provision to net charge-offs53.6723%6,707
Earnings coverage of net charge-offs (x)4.0339%3,094
Efficiency ratio62.5974%6,040
Assets per employee ($millions)1.8525%7,806
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.1596%5,588
Loan loss allowance to noncurrent loans214.9425%1,390
Noncurrent assets plus other real estate owned to assets0.3355%6,602
Noncurrent loans to loans0.5395%6,171
Net loans and leases to total assets61.4575%5,117
Net loans and leases to deposits69.7671%5,634
Net loans and leases to core deposits75.0388%6,467
Total domestic deposits to total assets88.0895%1,928
Equity capital to assets10.6536%3,017
Core capital (leverage) ratio10.4982%2,610
Tier 1 risk-based capital ratio14.2781%3,335
Total risk-based capital ratio15.2788%3,434
Memoranda:
Average total assets$25,796,8007,616
Average earning assets$21,782,0007,656
Average equity$2,557,4007,715
Average total loans$15,955,8007,406
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5841%127
Cost of funding earning assets1.0182%7,352
Net interest margin6.5658%66
Noninterest income to average assets1.9770%380
Noninterest expense to average assets4.7044%612
Loan and lease loss provision to assets0.3726%4,093
Net operating income to assets1.5681%706
Return on assets (ROA)1.5681%761
Pretax return on assets2.4065%227
Return on Equity (ROE)16.1209%637
Retained earnings to average equity (ytd only)16.1209%122
Net charge-offs to loans0.9719%2,028
Credit loss provision to net charge-offs62.0690%6,135
Earnings coverage of net charge-offs (x)4.6294%3,067
Efficiency ratio62.5864%6,004
Assets per employee ($millions)1.8197%7,887
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.4091%3,891
Loan loss allowance to noncurrent loans155.1724%1,848
Noncurrent assets plus other real estate owned to assets0.5692%6,035
Noncurrent loans to loans0.9081%5,469
Net loans and leases to total assets61.7954%5,280
Net loans and leases to deposits70.0654%5,910
Net loans and leases to core deposits76.3408%6,588
Total domestic deposits to total assets88.1967%1,564
Equity capital to assets10.4569%3,558
Core capital (leverage) ratio9.9516%3,334
Tier 1 risk-based capital ratio13.3243%3,972
Total risk-based capital ratio14.4918%3,969
Memoranda:
Average total assets$25,762,2507,689
Average earning assets$21,606,2507,729
Average equity$2,506,0007,807
Average total loans$15,913,2507,475
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6229%132
Cost of funding earning assets1.0611%7,449
Net interest margin6.5618%67
Noninterest income to average assets1.8795%415
Noninterest expense to average assets4.7259%629
Loan and lease loss provision to assets0.3867%3,596
Net operating income to assets1.4541%926
Return on assets (ROA)1.4541%987
Pretax return on assets2.2198%344
Return on Equity (ROE)15.3261%779
Retained earnings to average equity (ytd only)15.3261%190
Net charge-offs to loans0.4781%2,923
Credit loss provision to net charge-offs131.5789%3,543
Earnings coverage of net charge-offs (x)8.8684%2,207
Efficiency ratio64.1350%5,891
Assets per employee ($millions)1.9069%7,912
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.7367%2,225
Loan loss allowance to noncurrent loans112.8514%2,604
Noncurrent assets plus other real estate owned to assets0.9327%5,109
Noncurrent loans to loans1.5389%4,192
Net loans and leases to total assets59.5535%5,749
Net loans and leases to deposits66.5871%6,340
Net loans and leases to core deposits71.7367%6,915
Total domestic deposits to total assets89.4370%1,071
Equity capital to assets9.5479%4,549
Core capital (leverage) ratio8.9564%4,703
Tier 1 risk-based capital ratio13.0481%4,113
Total risk-based capital ratio14.2986%4,031
Memoranda:
Average total assets$25,857,6707,760
Average earning assets$21,488,0007,808
Average equity$2,453,3307,890
Average total loans$15,895,0007,539
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6040%152
Cost of funding earning assets1.1216%7,476
Net interest margin6.4824%74
Noninterest income to average assets1.9656%378
Noninterest expense to average assets4.6859%599
Loan and lease loss provision to assets0.4246%2,804
Net operating income to assets1.4309%1,078
Return on assets (ROA)1.4309%1,161
Pretax return on assets2.2172%427
Return on Equity (ROE)15.1320%956
Retained earnings to average equity (ytd only)15.1320%402
Net charge-offs to loans0.5332%2,119
Credit loss provision to net charge-offs128.5714%3,110
Earnings coverage of net charge-offs (x)8.0000%2,252
Efficiency ratio63.7339%5,736
Assets per employee ($millions)1.9154%7,951
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.7732%1,922
Loan loss allowance to noncurrent loans126.1468%2,493
Noncurrent assets plus other real estate owned to assets0.8129%5,146
Noncurrent loans to loans1.4056%4,206
Net loans and leases to total assets56.8094%6,128
Net loans and leases to deposits63.1828%6,637
Net loans and leases to core deposits67.4071%7,166
Total domestic deposits to total assets89.9127%838
Equity capital to assets9.1401%5,167
Core capital (leverage) ratio9.0997%4,559
Tier 1 risk-based capital ratio11.6180%5,283
Total risk-based capital ratio12.8672%5,196
Memoranda:
Average total assets$25,438,0007,818
Average earning assets$21,041,5007,873
Average equity$2,405,5007,956
Average total loans$15,752,5007,593
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3967%115
Cost of funding earning assets1.5245%7,570
Net interest margin6.8721%59
Noninterest income to average assets1.8175%411
Noninterest expense to average assets4.5749%830
Loan and lease loss provision to assets0.7683%1,940
Net operating income to assets1.4626%1,097
Return on assets (ROA)1.4626%1,058
Pretax return on assets2.2231%373
Return on Equity (ROE)11.9541%1,608
Retained earnings to average equity (ytd only)-27.2553%7,858
Net charge-offs to loans1.1984%1,008
Credit loss provision to net charge-offs108.2418%4,965
Earnings coverage of net charge-offs (x)4.2143%4,065
Efficiency ratio60.1546%6,306
Assets per employee ($millions)1.6040%8,134
Cash dividends to net income (ytd only)*328.0000%170
Condition Ratios (%)
Loss allowance to loans1.6817%1,959
Loan loss allowance to noncurrent loans113.0252%3,113
Noncurrent assets plus other real estate owned to assets0.9892%4,361
Noncurrent loans to loans1.4879%3,569
Net loans and leases to total assets65.3658%4,976
Net loans and leases to deposits73.3364%5,913
Net loans and leases to core deposits77.5302%6,769
Total domestic deposits to total assets89.1313%992
Equity capital to assets9.8088%4,283
Core capital (leverage) ratio9.0592%4,652
Tier 1 risk-based capital ratio11.9242%4,885
Total risk-based capital ratio13.1747%4,773
Memoranda:
Average total assets$25,639,8007,821
Average earning assets$21,449,0007,880
Average equity$3,137,0007,794
Average total loans$15,186,4007,635