Home > Bank of Texas > Performance and Condition Ratios

Bank of Texas, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4640%655
Cost of funding earning assets2.4553%938
Net interest margin4.0087%1,270
Noninterest income to average assets0.0700%4,241
Noninterest expense to average assets1.3902%4,278
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.9716%479
Return on assets (ROA)1.9716%479
Pretax return on assets2.5559%291
Return on Equity (ROE)17.9700%647
Retained earnings to average equity (ytd only)17.9736%239
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio35.2298%4,353
Assets per employee ($millions)20.3913%98
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.3426%1,526
Loan loss allowance to noncurrent loans105.9250%2,859
Noncurrent assets plus other real estate owned to assets0.9779%728
Noncurrent loans to loans1.2675%821
Net loans and leases to total assets76.1200%1,069
Net loans and leases to deposits93.3227%812
Net loans and leases to core deposits168.9840%83
Total domestic deposits to total assets81.5600%3,387
Equity capital to assets10.9600%1,680
Core capital (leverage) ratio11.3087%1,833
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6709%2,317
Memoranda:
Average total assets$538,049,0001,694
Average earning assets$520,171,0001,643
Average equity$59,020,0001,564
Average total loans$439,563,5001,456
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2842%292
Cost of funding earning assets2.4423%1,267
Net interest margin4.8419%414
Noninterest income to average assets0.0800%4,282
Noninterest expense to average assets1.3779%4,318
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets2.6077%199
Return on assets (ROA)2.6077%201
Pretax return on assets3.3288%150
Return on Equity (ROE)21.5000%316
Retained earnings to average equity (ytd only)-18.6729%4,448
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio29.2750%4,427
Assets per employee ($millions)20.2128%102
Cash dividends to net income (ytd only)*186.8353%56
Condition Ratios (%)
Loss allowance to loans1.2812%1,757
Loan loss allowance to noncurrent loans107.5374%2,909
Noncurrent assets plus other real estate owned to assets1.0300%637
Noncurrent loans to loans1.1914%848
Net loans and leases to total assets85.3500%194
Net loans and leases to deposits105.0260%286
Net loans and leases to core deposits193.6148%53
Total domestic deposits to total assets81.2600%3,364
Equity capital to assets10.9789%1,596
Core capital (leverage) ratio10.9350%2,034
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5598%2,643
Memoranda:
Average total assets$533,645,4001,692
Average earning assets$510,295,2001,657
Average equity$64,714,0001,403
Average total loans$448,326,6001,413
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3713%269
Cost of funding earning assets2.4361%1,286
Net interest margin4.9353%359
Noninterest income to average assets0.0800%4,299
Noninterest expense to average assets1.3729%4,341
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets2.6817%193
Return on assets (ROA)2.6817%197
Pretax return on assets3.4142%153
Return on Equity (ROE)21.6100%331
Retained earnings to average equity (ytd only)-30.5423%4,516
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio28.6799%4,463
Assets per employee ($millions)20.6081%97
Cash dividends to net income (ytd only)*241.3217%30
Condition Ratios (%)
Loss allowance to loans1.3403%1,557
Loan loss allowance to noncurrent loans926.9108%765
Noncurrent assets plus other real estate owned to assets0.1172%2,908
Noncurrent loans to loans0.1446%2,961
Net loans and leases to total assets79.9700%631
Net loans and leases to deposits97.8886%597
Net loans and leases to core deposits168.8702%97
Total domestic deposits to total assets81.6900%3,166
Equity capital to assets10.1851%2,171
Core capital (leverage) ratio10.0103%2,829
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5239%2,683
Memoranda:
Average total assets$535,673,2501,684
Average earning assets$511,084,5001,649
Average equity$66,468,0001,363
Average total loans$446,821,5001,409
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3890%250
Cost of funding earning assets2.3842%1,286
Net interest margin5.0048%333
Noninterest income to average assets0.0800%4,310
Noninterest expense to average assets1.3722%4,356
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets2.7112%197
Return on assets (ROA)2.7112%199
Pretax return on assets3.4696%151
Return on Equity (ROE)20.6200%415
Retained earnings to average equity (ytd only)3.5807%2,858
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio28.3412%4,478
Assets per employee ($millions)21.0830%88
Cash dividends to net income (ytd only)*82.6332%605
Condition Ratios (%)
Loss allowance to loans1.3568%1,515
Loan loss allowance to noncurrent loans313.6315%1,772
Noncurrent assets plus other real estate owned to assets0.3386%1,813
Noncurrent loans to loans0.4326%1,912
Net loans and leases to total assets77.2100%1,010
Net loans and leases to deposits98.2304%641
Net loans and leases to core deposits165.7983%114
Total domestic deposits to total assets78.6000%3,640
Equity capital to assets12.9585%878
Core capital (leverage) ratio13.1572%1,041
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1255%1,483
Memoranda:
Average total assets$535,627,3331,682
Average earning assets$509,514,6671,644
Average equity$70,433,0001,306
Average total loans$450,994,6671,400
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5246%219
Cost of funding earning assets2.2916%1,353
Net interest margin5.2330%250
Noninterest income to average assets0.0600%4,368
Noninterest expense to average assets1.3684%4,376
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets2.8865%181
Return on assets (ROA)2.8865%181
Pretax return on assets3.6572%132
Return on Equity (ROE)21.7900%353
Retained earnings to average equity (ytd only)4.6768%2,502
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio27.2290%4,485
Assets per employee ($millions)19.7974%106
Cash dividends to net income (ytd only)*78.5340%750
Condition Ratios (%)
Loss allowance to loans1.2751%1,878
Loan loss allowance to noncurrent loans311.7836%1,868
Noncurrent assets plus other real estate owned to assets0.3493%1,712
Noncurrent loans to loans0.4090%1,911
Net loans and leases to total assets84.3200%247
Net loans and leases to deposits114.1057%129
Net loans and leases to core deposits177.1628%111
Total domestic deposits to total assets73.8900%4,140
Equity capital to assets13.2022%815
Core capital (leverage) ratio13.4504%925
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0100%1,873
Memoranda:
Average total assets$529,362,0001,700
Average earning assets$502,349,0001,672
Average equity$70,133,0001,302
Average total loans$461,976,5001,380
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0274%219
Cost of funding earning assets1.7287%1,393
Net interest margin5.2987%240
Noninterest income to average assets0.0600%4,411
Noninterest expense to average assets1.1851%4,468
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets3.7366%111
Return on assets (ROA)3.7366%113
Pretax return on assets3.9896%116
Return on Equity (ROE)29.9800%183
Retained earnings to average equity (ytd only)2.3603%3,490
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio22.9021%4,519
Assets per employee ($millions)19.5878%103
Cash dividends to net income (ytd only)*92.1261%352
Condition Ratios (%)
Loss allowance to loans1.2560%1,985
Loan loss allowance to noncurrent loans725.7108%1,120
Noncurrent assets plus other real estate owned to assets0.1530%2,502
Noncurrent loans to loans0.1731%2,655
Net loans and leases to total assets87.2700%110
Net loans and leases to deposits112.6317%152
Net loans and leases to core deposits177.9538%105
Total domestic deposits to total assets77.4800%3,789
Equity capital to assets13.1783%829
Core capital (leverage) ratio12.8950%1,086
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7116%1,976
Memoranda:
Average total assets$557,746,0001,591
Average earning assets$538,832,8001,527
Average equity$69,525,0001,253
Average total loans$471,142,6001,294
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9173%211
Cost of funding earning assets1.5861%1,398
Net interest margin5.3312%217
Noninterest income to average assets0.0500%4,454
Noninterest expense to average assets1.1347%4,497
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets3.7899%119
Return on assets (ROA)3.7899%119
Pretax return on assets4.0759%131
Return on Equity (ROE)30.8200%206
Retained earnings to average equity (ytd only)1.6483%3,808
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio21.7763%4,547
Assets per employee ($millions)20.6731%93
Cash dividends to net income (ytd only)*94.6510%276
Condition Ratios (%)
Loss allowance to loans1.2921%1,903
Loan loss allowance to noncurrent loans725.7108%1,103
Noncurrent assets plus other real estate owned to assets0.1505%2,572
Noncurrent loans to loans0.1781%2,658
Net loans and leases to total assets83.4400%331
Net loans and leases to deposits107.2342%266
Net loans and leases to core deposits165.2708%90
Total domestic deposits to total assets77.8100%3,839
Equity capital to assets12.8028%854
Core capital (leverage) ratio12.3691%1,283
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9696%1,910
Memoranda:
Average total assets$564,964,7501,565
Average earning assets$546,481,0001,504
Average equity$69,482,2501,250
Average total loans$472,071,2501,291
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6843%218
Cost of funding earning assets1.4450%1,352
Net interest margin5.2393%227
Noninterest income to average assets0.0400%4,512
Noninterest expense to average assets1.1158%4,531
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets4.0040%100
Return on assets (ROA)4.0040%101
Pretax return on assets4.0040%115
Return on Equity (ROE)32.9800%169
Retained earnings to average equity (ytd only)0.8436%3,938
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio21.7936%4,571
Assets per employee ($millions)23.8052%69
Cash dividends to net income (ytd only)*97.4421%348
Condition Ratios (%)
Loss allowance to loans1.2575%2,139
Loan loss allowance to noncurrent loans725.7108%1,193
Noncurrent assets plus other real estate owned to assets0.1416%2,561
Noncurrent loans to loans0.1733%2,613
Net loans and leases to total assets80.6900%558
Net loans and leases to deposits101.9405%433
Net loans and leases to core deposits154.8823%121
Total domestic deposits to total assets79.1600%3,699
Equity capital to assets11.9279%1,070
Core capital (leverage) ratio12.1054%1,316
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5151%2,087
Memoranda:
Average total assets$574,119,6671,546
Average earning assets$557,097,0001,473
Average equity$69,704,6671,241
Average total loans$477,974,0001,258
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5048%179
Cost of funding earning assets1.1979%1,456
Net interest margin5.3070%195
Noninterest income to average assets0.0500%4,540
Noninterest expense to average assets1.1148%4,597
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets4.0902%98
Return on assets (ROA)4.0902%97
Pretax return on assets4.0902%109
Return on Equity (ROE)33.4000%182
Retained earnings to average equity (ytd only)33.3979%90
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio21.4181%4,639
Assets per employee ($millions)23.6974%73
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.2151%2,478
Loan loss allowance to noncurrent loans628.5867%1,378
Noncurrent assets plus other real estate owned to assets0.1642%2,357
Noncurrent loans to loans0.1933%2,505
Net loans and leases to total assets83.9200%242
Net loans and leases to deposits109.7282%185
Net loans and leases to core deposits172.0640%67
Total domestic deposits to total assets76.4800%4,129
Equity capital to assets12.9228%772
Core capital (leverage) ratio13.1811%918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9394%1,993
Memoranda:
Average total assets$575,517,5001,565
Average earning assets$558,660,5001,493
Average equity$70,483,5001,243
Average total loans$483,515,0001,262
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3752%925
Cost of funding earning assets0.6331%778
Net interest margin3.7421%1,281
Noninterest income to average assets0.0200%4,633
Noninterest expense to average assets1.0373%4,638
Loan and lease loss provision to assets0.2500%370
Net operating income to assets2.3611%170
Return on assets (ROA)2.3611%165
Pretax return on assets2.3611%251
Return on Equity (ROE)21.2000%379
Retained earnings to average equity (ytd only)11.4171%804
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio28.3989%4,663
Assets per employee ($millions)23.2919%76
Cash dividends to net income (ytd only)*46.1578%1,587
Condition Ratios (%)
Loss allowance to loans1.2134%2,326
Loan loss allowance to noncurrent loans625.9062%1,366
Noncurrent assets plus other real estate owned to assets0.1611%2,409
Noncurrent loans to loans0.1939%2,506
Net loans and leases to total assets82.0900%398
Net loans and leases to deposits103.0444%333
Net loans and leases to core deposits156.6434%80
Total domestic deposits to total assets79.6600%3,923
Equity capital to assets11.5869%1,057
Core capital (leverage) ratio11.7248%1,401
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8236%2,443
Memoranda:
Average total assets$580,377,0001,539
Average earning assets$563,590,4001,468
Average equity$64,622,4001,328
Average total loans$443,682,6001,286
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8476%1,625
Cost of funding earning assets0.5460%590
Net interest margin3.3016%2,289
Noninterest income to average assets0.0200%4,670
Noninterest expense to average assets1.0031%4,676
Loan and lease loss provision to assets0.0700%1,430
Net operating income to assets2.1486%228
Return on assets (ROA)2.1486%226
Pretax return on assets2.1486%351
Return on Equity (ROE)19.5000%481
Retained earnings to average equity (ytd only)15.8447%293
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio31.0910%4,683
Assets per employee ($millions)26.0917%61
Cash dividends to net income (ytd only)*18.7266%2,521
Condition Ratios (%)
Loss allowance to loans1.0303%3,347
Loan loss allowance to noncurrent loans499.0486%1,594
Noncurrent assets plus other real estate owned to assets0.1511%2,556
Noncurrent loans to loans0.2064%2,568
Net loans and leases to total assets72.4200%1,242
Net loans and leases to deposits90.0821%885
Net loans and leases to core deposits130.4796%146
Total domestic deposits to total assets80.4000%4,062
Equity capital to assets10.8052%1,251
Core capital (leverage) ratio11.6049%1,396
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1502%2,404
Memoranda:
Average total assets$579,896,7501,545
Average earning assets$563,348,5001,478
Average equity$63,910,5001,350
Average total loans$433,637,7501,294
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4713%2,221
Cost of funding earning assets0.5352%429
Net interest margin2.9361%3,071
Noninterest income to average assets0.0195%4,705
Noninterest expense to average assets1.0204%4,687
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.8563%298
Return on assets (ROA)1.8563%292
Pretax return on assets1.8563%518
Return on Equity (ROE)16.7220%601
Retained earnings to average equity (ytd only)13.9291%366
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.4723%4,684
Assets per employee ($millions)22.8682%72
Cash dividends to net income (ytd only)*16.7017%2,592
Condition Ratios (%)
Loss allowance to loans1.0203%3,516
Loan loss allowance to noncurrent loans399.6364%1,790
Noncurrent assets plus other real estate owned to assets0.1924%2,380
Noncurrent loans to loans0.2553%2,454
Net loans and leases to total assets74.5917%855
Net loans and leases to deposits95.4393%454
Net loans and leases to core deposits159.9997%40
Total domestic deposits to total assets78.1562%4,344
Equity capital to assets11.3081%1,096
Core capital (leverage) ratio11.2565%1,453
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7754%2,579
Memoranda:
Average total assets$564,462,3331,590
Average earning assets$549,307,3331,524
Average equity$62,660,0001,397
Average total loans$425,442,0001,311
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2622%2,494
Cost of funding earning assets0.5403%393
Net interest margin2.7219%3,362
Noninterest income to average assets0.0193%4,723
Noninterest expense to average assets1.0128%4,715
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.6618%445
Return on assets (ROA)1.6618%446
Pretax return on assets1.6618%740
Return on Equity (ROE)15.1138%630
Retained earnings to average equity (ytd only)15.1138%281
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.8667%4,686
Assets per employee ($millions)24.1687%68
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0625%3,481
Loan loss allowance to noncurrent loans398.1884%1,745
Noncurrent assets plus other real estate owned to assets0.1903%2,490
Noncurrent loans to loans0.2668%2,520
Net loans and leases to total assets70.5740%963
Net loans and leases to deposits90.0653%509
Net loans and leases to core deposits147.8745%45
Total domestic deposits to total assets78.3587%4,384
Equity capital to assets10.8256%1,422
Core capital (leverage) ratio11.0166%1,507
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4629%2,420
Memoranda:
Average total assets$560,841,5001,601
Average earning assets$547,123,5001,539
Average equity$61,665,5001,449
Average total loans$422,743,0001,318
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5750%2,454
Cost of funding earning assets0.6009%537
Net interest margin2.9741%3,264
Noninterest income to average assets0.0533%4,717
Noninterest expense to average assets1.0565%4,745
Loan and lease loss provision to assets0.1138%1,106
Net operating income to assets1.7505%572
Return on assets (ROA)1.7505%592
Pretax return on assets1.7505%1,025
Return on Equity (ROE)14.2234%1,123
Retained earnings to average equity (ytd only)8.2321%1,448
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.1728%4,750
Assets per employee ($millions)21.6654%89
Cash dividends to net income (ytd only)*42.1230%1,924
Condition Ratios (%)
Loss allowance to loans1.0182%3,670
Loan loss allowance to noncurrent loans297.4290%2,059
Noncurrent assets plus other real estate owned to assets0.2729%2,183
Noncurrent loans to loans0.3423%2,351
Net loans and leases to total assets78.8965%326
Net loans and leases to deposits102.3601%159
Net loans and leases to core deposits171.3212%34
Total domestic deposits to total assets77.0773%4,460
Equity capital to assets11.1767%1,684
Core capital (leverage) ratio11.8836%1,134
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4457%2,788
Memoranda:
Average total assets$474,674,0001,760
Average earning assets$457,649,0001,720
Average equity$58,418,0001,545
Average total loans$384,288,4001,416
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6220%2,496
Cost of funding earning assets0.6190%579
Net interest margin3.0030%3,295
Noninterest income to average assets0.0542%4,796
Noninterest expense to average assets1.0703%4,819
Loan and lease loss provision to assets0.1136%1,057
Net operating income to assets1.7600%733
Return on assets (ROA)1.7600%762
Pretax return on assets1.7600%1,259
Return on Equity (ROE)13.9230%1,413
Retained earnings to average equity (ytd only)10.2379%1,250
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.3564%4,807
Assets per employee ($millions)19.2607%117
Cash dividends to net income (ytd only)*26.4682%2,248
Condition Ratios (%)
Loss allowance to loans1.1000%3,437
Loan loss allowance to noncurrent loans323.3816%1,888
Noncurrent assets plus other real estate owned to assets0.2622%2,460
Noncurrent loans to loans0.3401%2,566
Net loans and leases to total assets76.2353%534
Net loans and leases to deposits101.5538%195
Net loans and leases to core deposits180.7481%38
Total domestic deposits to total assets75.0689%4,598
Equity capital to assets12.0215%1,390
Core capital (leverage) ratio12.5973%954
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5442%2,533
Memoranda:
Average total assets$457,934,0001,840
Average earning assets$440,665,2501,787
Average equity$57,888,2501,586
Average total loans$372,429,0001,477
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6587%2,446
Cost of funding earning assets0.6310%636
Net interest margin3.0278%3,251
Noninterest income to average assets0.0568%4,825
Noninterest expense to average assets1.0873%4,851
Loan and lease loss provision to assets0.0857%1,435
Net operating income to assets1.7933%731
Return on assets (ROA)1.7933%766
Pretax return on assets1.7933%1,255
Return on Equity (ROE)13.9292%1,431
Retained earnings to average equity (ytd only)11.1280%1,098
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.6565%4,827
Assets per employee ($millions)19.2986%106
Cash dividends to net income (ytd only)*20.1106%2,508
Condition Ratios (%)
Loss allowance to loans1.0313%3,712
Loan loss allowance to noncurrent loans308.1493%1,855
Noncurrent assets plus other real estate owned to assets0.2835%2,507
Noncurrent loans to loans0.3347%2,710
Net loans and leases to total assets83.8298%139
Net loans and leases to deposits111.4917%95
Net loans and leases to core deposits207.6693%32
Total domestic deposits to total assets75.1892%4,607
Equity capital to assets12.7229%1,041
Core capital (leverage) ratio13.1600%762
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1624%2,661
Memoranda:
Average total assets$443,653,0001,865
Average earning assets$426,322,3331,827
Average equity$57,117,3331,595
Average total loans$367,900,3331,493
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6627%2,467
Cost of funding earning assets0.6558%669
Net interest margin3.0069%3,241
Noninterest income to average assets0.0544%4,840
Noninterest expense to average assets1.1072%4,884
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.8299%744
Return on assets (ROA)1.8299%799
Pretax return on assets1.8299%1,235
Return on Equity (ROE)14.1251%1,409
Retained earnings to average equity (ytd only)14.1251%742
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.6962%4,811
Assets per employee ($millions)18.1940%127
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0534%3,633
Loan loss allowance to noncurrent loans2,050.5263%363
Noncurrent assets plus other real estate owned to assets0.0435%4,065
Noncurrent loans to loans0.0514%4,034
Net loans and leases to total assets83.8056%157
Net loans and leases to deposits106.6004%164
Net loans and leases to core deposits201.1532%37
Total domestic deposits to total assets78.6166%4,370
Equity capital to assets13.2244%854
Core capital (leverage) ratio13.3097%775
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3472%2,548
Memoranda:
Average total assets$433,896,5001,887
Average earning assets$415,975,5001,848
Average equity$56,212,0001,602
Average total loans$355,692,0001,543
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8452%3,179
Cost of funding earning assets0.9251%787
Net interest margin2.9201%4,075
Noninterest income to average assets0.0304%4,897
Noninterest expense to average assets1.0873%4,915
Loan and lease loss provision to assets0.0486%3,787
Net operating income to assets1.7277%463
Return on assets (ROA)1.7277%502
Pretax return on assets1.7277%807
Return on Equity (ROE)13.5065%921
Retained earnings to average equity (ytd only)7.4293%1,221
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.9708%4,908
Assets per employee ($millions)17.9640%118
Cash dividends to net income (ytd only)*44.9944%2,098
Condition Ratios (%)
Loss allowance to loans1.1407%3,249
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets78.3162%575
Net loans and leases to deposits100.1430%373
Net loans and leases to core deposits195.3530%44
Total domestic deposits to total assets78.2044%4,296
Equity capital to assets12.6825%1,239
Core capital (leverage) ratio12.8592%934
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7235%2,347
Memoranda:
Average total assets$411,651,4001,824
Average earning assets$399,407,0001,770
Average equity$52,656,2001,610
Average total loans$335,105,2001,557
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9515%3,107
Cost of funding earning assets0.9811%811
Net interest margin2.9705%4,045
Noninterest income to average assets0.0229%4,947
Noninterest expense to average assets1.1593%4,945
Loan and lease loss provision to assets0.0656%3,516
Net operating income to assets1.6910%584
Return on assets (ROA)1.6910%650
Pretax return on assets1.6910%987
Return on Equity (ROE)13.1897%1,055
Retained earnings to average equity (ytd only)13.1897%316
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.7594%4,898
Assets per employee ($millions)18.2605%106
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.1954%2,690
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets76.6734%1,006
Net loans and leases to deposits98.0456%621
Net loans and leases to core deposits196.2867%41
Total domestic deposits to total assets78.2017%4,166
Equity capital to assets13.0195%1,175
Core capital (leverage) ratio13.2145%899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5055%1,998
Memoranda:
Average total assets$406,780,0001,818
Average earning assets$396,157,0001,761
Average equity$52,150,5001,615
Average total loans$333,495,0001,563
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1111%3,024
Cost of funding earning assets1.0196%928
Net interest margin3.0915%3,917
Noninterest income to average assets0.0234%4,969
Noninterest expense to average assets1.2123%4,972
Loan and lease loss provision to assets0.0994%3,032
Net operating income to assets1.7243%597
Return on assets (ROA)1.7243%648
Pretax return on assets1.7243%947
Return on Equity (ROE)13.5225%975
Retained earnings to average equity (ytd only)13.5225%309
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.9312%4,919
Assets per employee ($millions)17.3875%113
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1331%2,861
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets81.4648%457
Net loans and leases to deposits103.2959%401
Net loans and leases to core deposits207.5067%35
Total domestic deposits to total assets78.8655%4,058
Equity capital to assets12.7000%1,283
Core capital (leverage) ratio12.2664%1,268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4212%2,434
Memoranda:
Average total assets$402,376,0001,810
Average earning assets$392,108,6671,750
Average equity$51,307,0001,632
Average total loans$336,020,6671,530
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4416%2,472
Cost of funding earning assets1.0177%1,345
Net interest margin3.4239%3,229
Noninterest income to average assets0.0273%5,008
Noninterest expense to average assets1.2225%5,023
Loan and lease loss provision to assets0.2026%1,505
Net operating income to assets1.9417%302
Return on assets (ROA)1.9417%332
Pretax return on assets1.9417%520
Return on Equity (ROE)15.1956%525
Retained earnings to average equity (ytd only)15.1956%180
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.3117%5,027
Assets per employee ($millions)16.4446%107
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1231%3,076
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets86.9045%100
Net loans and leases to deposits127.8962%43
Net loans and leases to core deposits310.3449%15
Total domestic deposits to total assets67.9493%4,925
Equity capital to assets13.0392%1,412
Core capital (leverage) ratio13.0793%1,178
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8052%2,363
Memoranda:
Average total assets$394,914,5001,788
Average earning assets$385,176,0001,723
Average equity$50,462,0001,653
Average total loans$332,107,0001,516
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9599%1,589
Cost of funding earning assets1.0199%1,638
Net interest margin3.9400%2,030
Noninterest income to average assets0.0273%5,087
Noninterest expense to average assets1.2186%5,089
Loan and lease loss provision to assets0.0199%3,624
Net operating income to assets2.5842%120
Return on assets (ROA)2.5842%127
Pretax return on assets2.5842%178
Return on Equity (ROE)20.6646%178
Retained earnings to average equity (ytd only)13.8900%130
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.8789%5,130
Assets per employee ($millions)16.4649%104
Cash dividends to net income (ytd only)*32.7835%2,952
Condition Ratios (%)
Loss allowance to loans1.1647%2,619
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets79.3695%880
Net loans and leases to deposits99.4205%639
Net loans and leases to core deposits196.7128%42
Total domestic deposits to total assets79.8321%4,010
Equity capital to assets12.5170%1,805
Core capital (leverage) ratio12.6815%1,384
Tier 1 risk-based capital ratio12.7407%3,926
Total risk-based capital ratio13.6977%3,977
Memoranda:
Average total assets$377,715,6001,810
Average earning assets$363,861,0001,767
Average equity$47,235,4001,678
Average total loans$289,331,6001,648
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0753%1,344
Cost of funding earning assets1.0124%1,711
Net interest margin4.0629%1,721
Noninterest income to average assets0.0275%5,160
Noninterest expense to average assets1.2199%5,167
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets2.7058%118
Return on assets (ROA)2.7058%124
Pretax return on assets2.7058%168
Return on Equity (ROE)21.6424%178
Retained earnings to average equity (ytd only)21.6424%38
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.0743%5,207
Assets per employee ($millions)15.8328%107
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.1885%2,565
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets79.2256%959
Net loans and leases to deposits99.6260%669
Net loans and leases to core deposits201.0250%43
Total domestic deposits to total assets79.5230%4,087
Equity capital to assets13.2831%1,467
Core capital (leverage) ratio13.5133%1,122
Tier 1 risk-based capital ratio12.7492%3,993
Total risk-based capital ratio13.6686%4,072
Memoranda:
Average total assets$373,355,0001,850
Average earning assets$358,225,2501,802
Average equity$46,678,7501,697
Average total loans$282,331,7501,692
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1034%1,213
Cost of funding earning assets0.9913%1,738
Net interest margin4.1121%1,575
Noninterest income to average assets0.0275%5,206
Noninterest expense to average assets1.2189%5,222
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.7628%111
Return on assets (ROA)2.7628%116
Pretax return on assets2.7628%164
Return on Equity (ROE)22.5791%151
Retained earnings to average equity (ytd only)22.5791%40
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.6131%5,253
Assets per employee ($millions)15.5158%97
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.2903%2,060
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets74.3915%1,829
Net loans and leases to deposits91.3395%1,580
Net loans and leases to core deposits194.1336%47
Total domestic deposits to total assets81.4450%3,681
Equity capital to assets12.8941%1,644
Core capital (leverage) ratio13.3321%1,176
Tier 1 risk-based capital ratio12.8260%3,929
Total risk-based capital ratio13.7984%3,992
Memoranda:
Average total assets$371,144,3301,863
Average earning assets$356,897,0001,814
Average equity$45,413,6701,732
Average total loans$274,886,3301,734
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9711%1,414
Cost of funding earning assets0.9656%1,717
Net interest margin4.0055%1,842
Noninterest income to average assets0.0291%5,263
Noninterest expense to average assets1.1864%5,284
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.7075%116
Return on assets (ROA)2.7075%126
Pretax return on assets2.7075%181
Return on Equity (ROE)22.7416%154
Retained earnings to average equity (ytd only)22.7416%65
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.4685%5,309
Assets per employee ($millions)15.8820%93
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.3229%1,986
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets73.9431%1,819
Net loans and leases to deposits88.1822%1,848
Net loans and leases to core deposits178.1341%54
Total domestic deposits to total assets83.8526%3,096
Equity capital to assets12.4221%1,781
Core capital (leverage) ratio12.3613%1,577
Tier 1 risk-based capital ratio13.4637%3,620
Total risk-based capital ratio14.5438%3,630
Memoranda:
Average total assets$370,526,5001,875
Average earning assets$357,509,0001,815
Average equity$44,113,0001,778
Average total loans$272,009,5001,752
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6503%1,988
Cost of funding earning assets0.9807%814
Net interest margin3.6696%3,158
Noninterest income to average assets0.0310%5,301
Noninterest expense to average assets1.1386%5,330
Loan and lease loss provision to assets0.0137%3,871
Net operating income to assets2.3652%185
Return on assets (ROA)2.3652%181
Pretax return on assets2.3652%260
Return on Equity (ROE)21.1841%191
Retained earnings to average equity (ytd only)13.8226%175
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.3701%5,355
Assets per employee ($millions)16.3377%84
Cash dividends to net income (ytd only)*34.7504%2,805
Condition Ratios (%)
Loss allowance to loans1.3396%1,875
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets70.9677%2,424
Net loans and leases to deposits83.2823%2,595
Net loans and leases to core deposits165.7658%74
Total domestic deposits to total assets85.2135%2,550
Equity capital to assets11.4033%2,326
Core capital (leverage) ratio11.6308%2,004
Tier 1 risk-based capital ratio14.0620%3,265
Total risk-based capital ratio15.2565%3,216
Memoranda:
Average total assets$365,005,2001,855
Average earning assets$346,792,6001,828
Average equity$40,752,2001,823
Average total loans$267,147,2001,744
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5667%2,081
Cost of funding earning assets0.9757%659
Net interest margin3.5910%3,397
Noninterest income to average assets0.0313%5,381
Noninterest expense to average assets1.1058%5,410
Loan and lease loss provision to assets0.0184%3,644
Net operating income to assets2.3147%219
Return on assets (ROA)2.3147%218
Pretax return on assets2.3147%333
Return on Equity (ROE)20.8474%223
Retained earnings to average equity (ytd only)20.8474%48
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.1562%5,423
Assets per employee ($millions)16.9435%71
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.3798%1,785
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets69.4324%2,732
Net loans and leases to deposits82.6861%2,745
Net loans and leases to core deposits171.9374%65
Total domestic deposits to total assets83.9711%2,951
Equity capital to assets11.6693%2,133
Core capital (leverage) ratio11.9480%1,817
Tier 1 risk-based capital ratio14.2397%3,249
Total risk-based capital ratio15.4309%3,194
Memoranda:
Average total assets$362,314,5001,876
Average earning assets$343,816,2501,841
Average equity$40,227,7501,850
Average total loans$266,360,2501,754
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4617%2,213
Cost of funding earning assets0.9667%545
Net interest margin3.4950%3,647
Noninterest income to average assets0.0295%5,444
Noninterest expense to average assets1.1181%5,470
Loan and lease loss provision to assets0.0279%3,358
Net operating income to assets2.2127%250
Return on assets (ROA)2.2127%241
Pretax return on assets2.2127%380
Return on Equity (ROE)20.2874%247
Retained earnings to average equity (ytd only)20.2874%61
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.2891%5,474
Assets per employee ($millions)16.8900%69
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.3155%2,095
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets73.1042%2,101
Net loans and leases to deposits86.5068%2,267
Net loans and leases to core deposits186.6954%44
Total domestic deposits to total assets84.5069%2,870
Equity capital to assets11.0824%2,560
Core capital (leverage) ratio11.4554%2,107
Tier 1 risk-based capital ratio13.3459%3,708
Total risk-based capital ratio14.5256%3,673
Memoranda:
Average total assets$358,833,6701,893
Average earning assets$341,798,0001,857
Average equity$39,137,6701,898
Average total loans$267,668,6701,747
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2989%2,515
Cost of funding earning assets0.9798%409
Net interest margin3.3191%4,135
Noninterest income to average assets0.0318%5,512
Noninterest expense to average assets1.1201%5,540
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets2.0677%319
Return on assets (ROA)2.0677%320
Pretax return on assets2.0677%505
Return on Equity (ROE)19.1203%309
Retained earnings to average equity (ytd only)19.1203%122
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.1371%5,521
Assets per employee ($millions)16.9032%68
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3828%1,904
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets71.7453%2,216
Net loans and leases to deposits85.0704%2,286
Net loans and leases to core deposits199.1990%40
Total domestic deposits to total assets84.3363%3,176
Equity capital to assets10.9951%2,585
Core capital (leverage) ratio11.1677%2,268
Tier 1 risk-based capital ratio12.8127%4,055
Total risk-based capital ratio13.9927%3,982
Memoranda:
Average total assets$352,461,0001,941
Average earning assets$335,154,0001,899
Average equity$38,116,5001,947
Average total loans$263,872,5001,775
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3333%2,226
Cost of funding earning assets0.9045%365
Net interest margin3.4288%3,758
Noninterest income to average assets0.0346%5,564
Noninterest expense to average assets1.1649%5,590
Loan and lease loss provision to assets0.1417%1,602
Net operating income to assets1.9834%292
Return on assets (ROA)1.9834%294
Pretax return on assets1.9834%511
Return on Equity (ROE)16.7736%414
Retained earnings to average equity (ytd only)10.3640%307
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.4067%5,590
Assets per employee ($millions)18.4187%59
Cash dividends to net income (ytd only)*38.2123%2,934
Condition Ratios (%)
Loss allowance to loans1.3250%2,092
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets75.9901%1,598
Net loans and leases to deposits89.8607%1,787
Net loans and leases to core deposits209.2940%39
Total domestic deposits to total assets84.5643%3,010
Equity capital to assets10.6311%3,017
Core capital (leverage) ratio10.9831%2,353
Tier 1 risk-based capital ratio12.6972%4,090
Total risk-based capital ratio13.9244%3,997
Memoranda:
Average total assets$303,470,4002,148
Average earning assets$288,119,0002,109
Average equity$35,883,8002,029
Average total loans$249,393,4001,821
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3275%2,188
Cost of funding earning assets0.8706%413
Net interest margin3.4569%3,647
Noninterest income to average assets0.0356%5,631
Noninterest expense to average assets1.1599%5,655
Loan and lease loss provision to assets0.1142%1,887
Net operating income to assets2.0448%290
Return on assets (ROA)2.0448%298
Pretax return on assets2.0448%501
Return on Equity (ROE)16.7854%455
Retained earnings to average equity (ytd only)16.7854%82
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.9484%5,655
Assets per employee ($millions)16.1868%72
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2970%2,366
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets83.9105%441
Net loans and leases to deposits101.6168%642
Net loans and leases to core deposits210.1344%39
Total domestic deposits to total assets82.5755%3,592
Equity capital to assets12.3418%1,750
Core capital (leverage) ratio12.2101%1,563
Tier 1 risk-based capital ratio13.3373%3,802
Total risk-based capital ratio14.5369%3,745
Memoranda:
Average total assets$291,849,2502,225
Average earning assets$277,197,2502,187
Average equity$35,553,7502,056
Average total loans$244,366,2501,860
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1776%2,554
Cost of funding earning assets0.8562%394
Net interest margin3.3214%4,044
Noninterest income to average assets0.0377%5,671
Noninterest expense to average assets1.1667%5,708
Loan and lease loss provision to assets0.1047%1,935
Net operating income to assets1.9252%354
Return on assets (ROA)1.9252%364
Pretax return on assets1.9252%616
Return on Equity (ROE)15.8779%548
Retained earnings to average equity (ytd only)15.8779%107
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.4986%5,689
Assets per employee ($millions)15.5734%74
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3105%2,359
Loan loss allowance to noncurrent loans6,452.9412%115
Noncurrent assets plus other real estate owned to assets0.0172%5,224
Noncurrent loans to loans0.0203%5,085
Net loans and leases to total assets83.7553%475
Net loans and leases to deposits100.6232%692
Net loans and leases to core deposits189.0582%51
Total domestic deposits to total assets83.2366%3,487
Equity capital to assets12.2317%1,770
Core capital (leverage) ratio12.2690%1,495
Tier 1 risk-based capital ratio13.2905%3,808
Total risk-based capital ratio14.5077%3,748
Memoranda:
Average total assets$286,616,0002,266
Average earning assets$272,598,3302,218
Average equity$34,752,6702,093
Average total loans$238,669,3301,897
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0442%2,882
Cost of funding earning assets0.8637%348
Net interest margin3.1805%4,405
Noninterest income to average assets0.0397%5,744
Noninterest expense to average assets1.1760%5,773
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.8881%375
Return on assets (ROA)1.8881%389
Pretax return on assets1.8881%656
Return on Equity (ROE)15.6439%574
Retained earnings to average equity (ytd only)15.6439%211
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.3796%5,720
Assets per employee ($millions)15.1426%85
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2978%2,548
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets83.0266%459
Net loans and leases to deposits98.2895%749
Net loans and leases to core deposits187.6679%45
Total domestic deposits to total assets84.4715%3,301
Equity capital to assets12.0664%1,785
Core capital (leverage) ratio12.1968%1,509
Tier 1 risk-based capital ratio13.3013%3,887
Total risk-based capital ratio14.5138%3,828
Memoranda:
Average total assets$281,977,0002,315
Average earning assets$268,138,0002,259
Average equity$34,032,5002,149
Average total loans$232,445,0001,942
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8504%3,738
Cost of funding earning assets0.9340%245
Net interest margin2.9164%5,108
Noninterest income to average assets0.0377%5,801
Noninterest expense to average assets1.1365%5,836
Loan and lease loss provision to assets0.1829%1,297
Net operating income to assets1.4753%877
Return on assets (ROA)1.4753%899
Pretax return on assets1.4753%1,668
Return on Equity (ROE)12.4128%1,140
Retained earnings to average equity (ytd only)7.5640%1,015
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.6651%5,772
Assets per employee ($millions)14.5392%93
Cash dividends to net income (ytd only)*39.0625%2,905
Condition Ratios (%)
Loss allowance to loans1.4093%2,036
Loan loss allowance to noncurrent loans314,100.0000%1
Noncurrent assets plus other real estate owned to assets0.0004%5,455
Noncurrent loans to loans0.0004%5,325
Net loans and leases to total assets79.5428%961
Net loans and leases to deposits94.7272%1,119
Net loans and leases to core deposits191.9300%44
Total domestic deposits to total assets83.9704%3,428
Equity capital to assets12.0723%1,756
Core capital (leverage) ratio11.6746%1,812
Tier 1 risk-based capital ratio13.6422%3,681
Total risk-based capital ratio14.8925%3,584
Memoranda:
Average total assets$273,301,8002,338
Average earning assets$258,365,0002,291
Average equity$32,482,6002,203
Average total loans$213,047,4002,023
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8078%3,899
Cost of funding earning assets0.9353%242
Net interest margin2.8725%5,229
Noninterest income to average assets0.0357%5,865
Noninterest expense to average assets1.1265%5,903
Loan and lease loss provision to assets0.2201%942
Net operating income to assets1.4068%1,060
Return on assets (ROA)1.4068%1,110
Pretax return on assets1.4068%2,015
Return on Equity (ROE)11.8842%1,366
Retained earnings to average equity (ytd only)11.8842%318
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9131%5,809
Assets per employee ($millions)14.7927%83
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.4027%2,187
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets77.3036%1,308
Net loans and leases to deposits92.0293%1,493
Net loans and leases to core deposits200.8830%45
Total domestic deposits to total assets83.9989%3,211
Equity capital to assets12.0109%2,110
Core capital (leverage) ratio11.9834%1,690
Tier 1 risk-based capital ratio13.9044%3,607
Total risk-based capital ratio15.1549%3,537
Memoranda:
Average total assets$272,566,0002,349
Average earning assets$257,883,7502,303
Average equity$32,266,0002,231
Average total loans$210,590,7502,048
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7709%4,052
Cost of funding earning assets0.9289%250
Net interest margin2.8420%5,358
Noninterest income to average assets0.0363%5,941
Noninterest expense to average assets1.1226%5,985
Loan and lease loss provision to assets0.2224%933
Net operating income to assets1.3954%1,066
Return on assets (ROA)1.3954%1,125
Pretax return on assets1.3954%2,048
Return on Equity (ROE)11.8482%1,373
Retained earnings to average equity (ytd only)11.8482%349
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9632%5,888
Assets per employee ($millions)14.3930%88
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.3900%2,344
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets76.2977%1,443
Net loans and leases to deposits90.9645%1,636
Net loans and leases to core deposits206.1953%45
Total domestic deposits to total assets83.8763%3,318
Equity capital to assets11.9678%2,151
Core capital (leverage) ratio11.6654%1,860
Tier 1 risk-based capital ratio13.9726%3,622
Total risk-based capital ratio15.2226%3,542
Memoranda:
Average total assets$269,734,0002,384
Average earning assets$256,646,3302,323
Average equity$31,768,6702,259
Average total loans$207,333,6702,076
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8184%3,880
Cost of funding earning assets0.9258%254
Net interest margin2.8926%5,335
Noninterest income to average assets0.0358%6,006
Noninterest expense to average assets1.0946%6,055
Loan and lease loss provision to assets0.2240%843
Net operating income to assets1.4559%927
Return on assets (ROA)1.4559%971
Pretax return on assets1.4559%1,733
Return on Equity (ROE)12.4644%1,167
Retained earnings to average equity (ytd only)12.4644%443
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.4510%5,978
Assets per employee ($millions)14.9646%87
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3549%2,628
Loan loss allowance to noncurrent loans93,033.3333%14
Noncurrent assets plus other real estate owned to assets0.0011%5,690
Noncurrent loans to loans0.0015%5,534
Net loans and leases to total assets75.4365%1,478
Net loans and leases to deposits89.8446%1,594
Net loans and leases to core deposits206.3301%40
Total domestic deposits to total assets83.9633%3,534
Equity capital to assets11.7997%2,156
Core capital (leverage) ratio11.5125%1,963
Tier 1 risk-based capital ratio14.0330%3,672
Total risk-based capital ratio15.2753%3,605
Memoranda:
Average total assets$267,867,5002,408
Average earning assets$253,615,0002,359
Average equity$31,289,0002,285
Average total loans$205,205,5002,096
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7227%4,303
Cost of funding earning assets0.9115%272
Net interest margin2.8112%5,488
Noninterest income to average assets0.0429%6,024
Noninterest expense to average assets1.0749%6,109
Loan and lease loss provision to assets0.0683%2,928
Net operating income to assets1.5612%764
Return on assets (ROA)1.5612%786
Pretax return on assets1.5612%1,372
Return on Equity (ROE)13.1020%1,035
Retained earnings to average equity (ytd only)8.6801%736
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.7460%6,070
Assets per employee ($millions)15.6689%71
Cash dividends to net income (ytd only)*33.7500%3,161
Condition Ratios (%)
Loss allowance to loans1.2919%2,952
Loan loss allowance to noncurrent loans132,050.0000%5
Noncurrent assets plus other real estate owned to assets0.0008%5,744
Noncurrent loans to loans0.0010%5,578
Net loans and leases to total assets75.7516%1,458
Net loans and leases to deposits89.1933%1,721
Net loans and leases to core deposits187.5375%48
Total domestic deposits to total assets84.9297%3,126
Equity capital to assets11.5605%2,313
Core capital (leverage) ratio11.5761%1,904
Tier 1 risk-based capital ratio13.7369%3,865
Total risk-based capital ratio14.9249%3,835
Memoranda:
Average total assets$256,205,4002,458
Average earning assets$242,563,2002,399
Average equity$30,529,6002,284
Average total loans$197,513,8002,096
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7267%4,339
Cost of funding earning assets0.9127%269
Net interest margin2.8140%5,553
Noninterest income to average assets0.0452%6,111
Noninterest expense to average assets1.0964%6,194
Loan and lease loss provision to assets0.0920%2,329
Net operating income to assets1.5227%891
Return on assets (ROA)1.5227%926
Pretax return on assets1.5227%1,618
Return on Equity (ROE)12.6793%1,200
Retained earnings to average equity (ytd only)12.6793%305
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.4420%6,124
Assets per employee ($millions)14.9876%82
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.3216%2,988
Loan loss allowance to noncurrent loans66,025.0000%21
Noncurrent assets plus other real estate owned to assets0.0016%5,823
Noncurrent loans to loans0.0020%5,664
Net loans and leases to total assets77.3955%1,191
Net loans and leases to deposits91.6636%1,449
Net loans and leases to core deposits202.7139%42
Total domestic deposits to total assets84.4342%3,245
Equity capital to assets12.5696%1,702
Core capital (leverage) ratio12.3414%1,490
Tier 1 risk-based capital ratio15.2923%3,146
Total risk-based capital ratio16.5424%3,074
Memoranda:
Average total assets$253,663,7502,496
Average earning assets$240,314,0002,437
Average equity$30,463,5002,304
Average total loans$195,786,7502,126
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6899%4,435
Cost of funding earning assets0.9052%281
Net interest margin2.7847%5,646
Noninterest income to average assets0.0482%6,182
Noninterest expense to average assets1.1205%6,266
Loan and lease loss provision to assets0.1382%1,583
Net operating income to assets1.4253%1,043
Return on assets (ROA)1.4253%1,080
Pretax return on assets1.4253%1,885
Return on Equity (ROE)12.0564%1,354
Retained earnings to average equity (ytd only)12.0564%392
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.7476%6,173
Assets per employee ($millions)14.7145%79
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3278%3,092
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets78.4570%1,007
Net loans and leases to deposits92.1537%1,354
Net loans and leases to core deposits205.6210%45
Total domestic deposits to total assets85.1371%3,073
Equity capital to assets12.3628%1,758
Core capital (leverage) ratio11.8797%1,726
Tier 1 risk-based capital ratio15.1380%3,282
Total risk-based capital ratio16.3888%3,218
Memoranda:
Average total assets$253,288,3302,523
Average earning assets$239,735,3302,462
Average equity$29,942,6702,342
Average total loans$194,436,6702,135
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6441%4,553
Cost of funding earning assets0.8948%297
Net interest margin2.7494%5,741
Noninterest income to average assets0.0534%6,219
Noninterest expense to average assets1.1128%6,346
Loan and lease loss provision to assets0.2747%564
Net operating income to assets1.2509%1,405
Return on assets (ROA)1.2509%1,490
Pretax return on assets1.2509%2,459
Return on Equity (ROE)10.8246%1,679
Retained earnings to average equity (ytd only)10.8246%748
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.1773%6,229
Assets per employee ($millions)17.4999%61
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3488%3,148
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets73.5888%1,557
Net loans and leases to deposits85.0961%1,943
Net loans and leases to core deposits182.6588%53
Total domestic deposits to total assets86.4772%2,680
Equity capital to assets11.3829%2,574
Core capital (leverage) ratio11.7019%1,851
Tier 1 risk-based capital ratio14.9008%3,483
Total risk-based capital ratio16.1513%3,422
Memoranda:
Average total assets$254,859,5002,513
Average earning assets$239,619,0002,472
Average equity$29,451,5002,392
Average total loans$192,206,0002,157
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6383%4,972
Cost of funding earning assets0.9078%377
Net interest margin2.7305%5,897
Noninterest income to average assets0.0432%6,306
Noninterest expense to average assets1.1394%6,422
Loan and lease loss provision to assets0.0510%3,544
Net operating income to assets1.4249%1,032
Return on assets (ROA)1.4249%1,059
Pretax return on assets1.4249%1,799
Return on Equity (ROE)12.4236%1,288
Retained earnings to average equity (ytd only)7.9790%1,024
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5678%6,334
Assets per employee ($millions)16.4814%69
Cash dividends to net income (ytd only)*35.7756%3,076
Condition Ratios (%)
Loss allowance to loans1.3075%3,378
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets75.2913%1,366
Net loans and leases to deposits87.4564%1,795
Net loans and leases to core deposits183.1993%54
Total domestic deposits to total assets86.0902%2,789
Equity capital to assets11.7397%2,216
Core capital (leverage) ratio11.4477%2,014
Tier 1 risk-based capital ratio14.2963%3,901
Total risk-based capital ratio15.5219%3,842
Memoranda:
Average total assets$245,207,0002,568
Average earning assets$230,985,6002,509
Average equity$28,123,8002,398
Average total loans$178,694,0002,243
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6126%5,108
Cost of funding earning assets0.9027%415
Net interest margin2.7099%5,993
Noninterest income to average assets0.0430%6,399
Noninterest expense to average assets1.1377%6,496
Loan and lease loss provision to assets0.0409%3,589
Net operating income to assets1.4145%1,101
Return on assets (ROA)1.4145%1,139
Pretax return on assets1.4145%1,951
Return on Equity (ROE)12.4064%1,366
Retained earnings to average equity (ytd only)12.4064%384
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.8748%6,366
Assets per employee ($millions)16.3773%65
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.3389%3,453
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets72.4700%1,771
Net loans and leases to deposits84.4079%2,093
Net loans and leases to core deposits183.0614%50
Total domestic deposits to total assets85.8568%2,928
Equity capital to assets11.9304%2,120
Core capital (leverage) ratio11.5606%2,014
Tier 1 risk-based capital ratio15.6629%3,236
Total risk-based capital ratio16.9137%3,172
Memoranda:
Average total assets$244,703,5002,586
Average earning assets$230,261,0002,536
Average equity$27,899,0002,425
Average total loans$176,217,0002,280
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5704%5,233
Cost of funding earning assets0.8783%483
Net interest margin2.6921%6,059
Noninterest income to average assets0.0426%6,459
Noninterest expense to average assets1.1253%6,571
Loan and lease loss provision to assets0.0614%3,043
Net operating income to assets1.3945%1,078
Return on assets (ROA)1.3945%1,124
Pretax return on assets1.3945%1,909
Return on Equity (ROE)12.4247%1,327
Retained earnings to average equity (ytd only)12.4247%383
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5954%6,439
Assets per employee ($millions)16.3118%67
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.3854%3,426
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets65.8957%2,760
Net loans and leases to deposits75.3604%3,146
Net loans and leases to core deposits142.7919%126
Total domestic deposits to total assets87.4408%2,223
Equity capital to assets10.8630%3,016
Core capital (leverage) ratio11.0501%2,371
Tier 1 risk-based capital ratio15.4823%3,361
Total risk-based capital ratio16.7334%3,304
Memoranda:
Average total assets$244,385,0002,598
Average earning assets$230,449,3302,541
Average equity$27,429,3302,446
Average total loans$174,807,6702,296
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6937%4,870
Cost of funding earning assets0.8836%495
Net interest margin2.8101%5,915
Noninterest income to average assets0.0441%6,497
Noninterest expense to average assets1.1538%6,645
Loan and lease loss provision to assets0.1271%1,914
Net operating income to assets1.4249%944
Return on assets (ROA)1.4249%985
Pretax return on assets1.4249%1,660
Return on Equity (ROE)12.4738%1,286
Retained earnings to average equity (ytd only)12.4738%545
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.6425%6,531
Assets per employee ($millions)14.2826%85
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.3834%3,684
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets75.3646%1,080
Net loans and leases to deposits87.0539%1,460
Net loans and leases to core deposits190.8426%45
Total domestic deposits to total assets86.5724%3,066
Equity capital to assets12.0006%1,866
Core capital (leverage) ratio11.5738%1,915
Tier 1 risk-based capital ratio14.9775%3,723
Total risk-based capital ratio16.2256%3,678
Memoranda:
Average total assets$236,083,5002,678
Average earning assets$223,623,0002,624
Average equity$26,968,5002,471
Average total loans$175,013,5002,285
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5870%5,441
Cost of funding earning assets0.8572%925
Net interest margin2.7298%6,100
Noninterest income to average assets0.0444%6,561
Noninterest expense to average assets1.1232%6,731
Loan and lease loss provision to assets0.1532%2,360
Net operating income to assets1.3546%1,125
Return on assets (ROA)1.3546%1,169
Pretax return on assets1.3546%1,949
Return on Equity (ROE)11.4942%1,598
Retained earnings to average equity (ytd only)7.2256%1,348
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.6908%6,644
Assets per employee ($millions)16.2431%63
Cash dividends to net income (ytd only)*37.1371%2,945
Condition Ratios (%)
Loss allowance to loans1.3348%3,956
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets71.0235%1,835
Net loans and leases to deposits79.7664%2,485
Net loans and leases to core deposits151.1939%92
Total domestic deposits to total assets89.0394%1,596
Equity capital to assets10.8818%2,725
Core capital (leverage) ratio11.8667%1,703
Tier 1 risk-based capital ratio14.3498%4,048
Total risk-based capital ratio15.6002%3,993
Memoranda:
Average total assets$218,664,2002,823
Average earning assets$207,193,0002,757
Average equity$25,769,6002,566
Average total loans$154,445,6002,496
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5785%5,502
Cost of funding earning assets0.8697%949
Net interest margin2.7088%6,161
Noninterest income to average assets0.0433%6,653
Noninterest expense to average assets1.1248%6,807
Loan and lease loss provision to assets0.1475%2,433
Net operating income to assets1.3319%1,264
Return on assets (ROA)1.3319%1,319
Pretax return on assets1.3319%2,206
Return on Equity (ROE)11.0588%1,797
Retained earnings to average equity (ytd only)11.0588%567
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.1911%6,678
Assets per employee ($millions)14.4760%89
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.3574%4,096
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets75.0014%1,133
Net loans and leases to deposits85.6480%1,656
Net loans and leases to core deposits176.4423%48
Total domestic deposits to total assets87.5693%2,375
Equity capital to assets12.2985%1,715
Core capital (leverage) ratio12.7415%1,310
Tier 1 risk-based capital ratio15.3920%3,518
Total risk-based capital ratio16.6426%3,477
Memoranda:
Average total assets$212,418,7502,917
Average earning assets$200,823,7502,843
Average equity$25,583,7502,609
Average total loans$149,210,2502,579
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4967%5,704
Cost of funding earning assets0.8584%1,090
Net interest margin2.6383%6,289
Noninterest income to average assets0.0427%6,693
Noninterest expense to average assets1.0994%6,856
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.4447%995
Return on assets (ROA)1.4447%1,072
Pretax return on assets1.4447%1,785
Return on Equity (ROE)12.0825%1,465
Retained earnings to average equity (ytd only)12.0825%480
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.2140%6,730
Assets per employee ($millions)15.7311%73
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.3321%4,355
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets72.6538%1,456
Net loans and leases to deposits83.3558%1,888
Net loans and leases to core deposits172.5868%58
Total domestic deposits to total assets87.1611%2,727
Equity capital to assets12.7293%1,451
Core capital (leverage) ratio12.4649%1,372
Tier 1 risk-based capital ratio16.4622%2,952
Total risk-based capital ratio17.7141%2,909
Memoranda:
Average total assets$210,845,0002,948
Average earning assets$199,904,3302,875
Average equity$25,210,0002,652
Average total loans$143,914,0002,661
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3545%6,037
Cost of funding earning assets0.8303%1,363
Net interest margin2.5242%6,479
Noninterest income to average assets0.0392%6,763
Noninterest expense to average assets1.0635%6,947
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3793%1,073
Return on assets (ROA)1.3793%1,163
Pretax return on assets1.3793%1,922
Return on Equity (ROE)11.9037%1,452
Retained earnings to average equity (ytd only)11.9037%716
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5348%6,791
Assets per employee ($millions)14.3251%98
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4363%4,069
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets64.0646%2,696
Net loans and leases to deposits72.6584%3,098
Net loans and leases to core deposits134.9158%149
Total domestic deposits to total assets88.1723%2,215
Equity capital to assets11.7225%2,238
Core capital (leverage) ratio12.0511%1,537
Tier 1 risk-based capital ratio16.9202%2,788
Total risk-based capital ratio18.1716%2,765
Memoranda:
Average total assets$214,015,5002,939
Average earning assets$203,788,5002,854
Average equity$24,799,0002,723
Average total loans$140,578,0002,718
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6153%6,200
Cost of funding earning assets0.8599%2,218
Net interest margin2.7553%6,438
Noninterest income to average assets0.0637%6,643
Noninterest expense to average assets1.2841%6,961
Loan and lease loss provision to assets0.2749%2,447
Net operating income to assets1.1611%1,729
Return on assets (ROA)1.1611%1,888
Pretax return on assets1.1611%2,946
Return on Equity (ROE)8.8828%2,692
Retained earnings to average equity (ytd only)3.4690%3,779
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.2083%6,748
Assets per employee ($millions)15.2253%91
Cash dividends to net income (ytd only)*60.9470%1,742
Condition Ratios (%)
Loss allowance to loans1.4178%4,082
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets65.4381%2,625
Net loans and leases to deposits73.9670%3,090
Net loans and leases to core deposits128.1127%202
Total domestic deposits to total assets88.4694%1,914
Equity capital to assets11.4513%2,495
Core capital (leverage) ratio11.6604%1,762
Tier 1 risk-based capital ratio16.4927%2,896
Total risk-based capital ratio17.7391%2,868
Memoranda:
Average total assets$183,702,0003,264
Average earning assets$177,110,8003,132
Average equity$24,012,8002,743
Average total loans$131,540,0002,854
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6450%6,324
Cost of funding earning assets0.8583%2,472
Net interest margin2.7867%6,520
Noninterest income to average assets0.0703%6,737
Noninterest expense to average assets1.3360%7,026
Loan and lease loss provision to assets0.3818%1,690
Net operating income to assets1.0480%2,291
Return on assets (ROA)1.0480%2,507
Pretax return on assets1.0480%3,540
Return on Equity (ROE)7.7276%3,407
Retained earnings to average equity (ytd only)6.0549%2,670
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.3051%6,701
Assets per employee ($millions)14.5338%95
Cash dividends to net income (ytd only)*21.6451%2,981
Condition Ratios (%)
Loss allowance to loans1.3936%4,402
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets61.0360%3,564
Net loans and leases to deposits68.3563%4,121
Net loans and leases to core deposits110.0409%569
Total domestic deposits to total assets89.2909%1,245
Equity capital to assets10.5922%3,744
Core capital (leverage) ratio13.8244%894
Tier 1 risk-based capital ratio16.1989%3,170
Total risk-based capital ratio17.4500%3,138
Memoranda:
Average total assets$176,339,0003,407
Average earning assets$170,565,2503,255
Average equity$23,913,7502,780
Average total loans$129,052,5002,938
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8674%5,993
Cost of funding earning assets0.9379%2,135
Net interest margin2.9295%6,377
Noninterest income to average assets0.0926%6,707
Noninterest expense to average assets1.4809%7,017
Loan and lease loss provision to assets0.3870%1,695
Net operating income to assets1.0507%2,247
Return on assets (ROA)1.0507%2,477
Pretax return on assets1.0507%3,512
Return on Equity (ROE)6.9948%3,784
Retained earnings to average equity (ytd only)4.4605%3,638
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.7391%6,593
Assets per employee ($millions)9.9572%228
Cash dividends to net income (ytd only)*36.2319%2,339
Condition Ratios (%)
Loss allowance to loans1.3106%4,850
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets85.3623%164
Net loans and leases to deposits100.6953%394
Net loans and leases to core deposits202.4247%53
Total domestic deposits to total assets84.7729%3,962
Equity capital to assets15.0896%761
Core capital (leverage) ratio14.7373%644
Tier 1 risk-based capital ratio16.4658%2,941
Total risk-based capital ratio17.7160%2,900
Memoranda:
Average total assets$157,605,3303,706
Average earning assets$152,042,0003,561
Average equity$23,674,6702,793
Average total loans$124,090,3303,046
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7820%6,287
Cost of funding earning assets0.9554%2,264
Net interest margin2.8266%6,593
Noninterest income to average assets0.0459%6,947
Noninterest expense to average assets1.4673%7,077
Loan and lease loss provision to assets0.3955%1,598
Net operating income to assets0.9085%2,873
Return on assets (ROA)0.9085%3,101
Pretax return on assets0.9085%4,003
Return on Equity (ROE)6.0616%4,251
Retained earnings to average equity (ytd only)0.9535%5,691
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9466%6,440
Assets per employee ($millions)10.8837%189
Cash dividends to net income (ytd only)*84.2697%734
Condition Ratios (%)
Loss allowance to loans1.4297%4,473
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets69.9343%1,767
Net loans and leases to deposits81.8326%1,956
Net loans and leases to core deposits152.2720%107
Total domestic deposits to total assets85.4603%3,814
Equity capital to assets14.4166%882
Core capital (leverage) ratio14.7489%643
Tier 1 risk-based capital ratio19.4176%1,863
Total risk-based capital ratio20.6687%1,830
Memoranda:
Average total assets$156,750,5003,749
Average earning assets$151,135,5003,594
Average equity$23,492,0002,803
Average total loans$117,235,0003,207
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7533%6,783
Cost of funding earning assets0.9516%3,712
Net interest margin2.8017%6,823
Noninterest income to average assets0.0601%6,798
Noninterest expense to average assets1.7573%7,002
Loan and lease loss provision to assets0.3671%2,794
Net operating income to assets0.6302%3,827
Return on assets (ROA)0.6302%4,032
Pretax return on assets0.6302%4,595
Return on Equity (ROE)3.3894%5,126
Retained earnings to average equity (ytd only)3.3894%3,811
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7972%5,161
Assets per employee ($millions)10.7318%194
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2652%5,095
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets77.9667%714
Net loans and leases to deposits92.4926%922
Net loans and leases to core deposits186.4709%71
Total domestic deposits to total assets84.2950%4,192
Equity capital to assets15.6065%652
Core capital (leverage) ratio16.7585%384
Tier 1 risk-based capital ratio18.7427%1,979
Total risk-based capital ratio19.9568%1,948
Memoranda:
Average total assets$123,141,2004,315
Average earning assets$118,428,6004,173
Average equity$22,895,0002,789
Average total loans$93,132,8003,784
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6705%6,959
Cost of funding earning assets0.9533%4,020
Net interest margin2.7172%6,977
Noninterest income to average assets0.0573%6,928
Noninterest expense to average assets1.8229%6,960
Loan and lease loss provision to assets0.3861%2,540
Net operating income to assets0.4675%4,686
Return on assets (ROA)0.4675%4,879
Pretax return on assets0.4675%5,267
Return on Equity (ROE)2.3905%5,657
Retained earnings to average equity (ytd only)2.3905%4,928
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1079%4,293
Assets per employee ($millions)9.7801%267
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.3332%4,856
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets74.9147%1,157
Net loans and leases to deposits90.2352%1,187
Net loans and leases to core deposits182.0366%79
Total domestic deposits to total assets83.0216%4,673
Equity capital to assets16.8316%503
Core capital (leverage) ratio17.1089%390
Tier 1 risk-based capital ratio20.8493%1,489
Total risk-based capital ratio22.0993%1,461
Memoranda:
Average total assets$116,365,2504,522
Average earning assets$112,171,7504,355
Average equity$22,756,7502,809
Average total loans$86,755,5003,980
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6444%7,067
Cost of funding earning assets0.9282%4,462
Net interest margin2.7162%7,010
Noninterest income to average assets0.0548%7,029
Noninterest expense to average assets1.9030%6,944
Loan and lease loss provision to assets0.3780%2,525
Net operating income to assets0.3872%5,013
Return on assets (ROA)0.3872%5,148
Pretax return on assets0.3872%5,431
Return on Equity (ROE)1.8711%5,834
Retained earnings to average equity (ytd only)1.8711%5,045
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3210%3,874
Assets per employee ($millions)8.7960%349
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3608%4,770
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets73.9338%1,431
Net loans and leases to deposits90.8796%1,173
Net loans and leases to core deposits192.4760%75
Total domestic deposits to total assets81.3535%5,404
Equity capital to assets18.5255%343
Core capital (leverage) ratio19.8844%232
Tier 1 risk-based capital ratio23.0011%1,119
Total risk-based capital ratio24.2514%1,105
Memoranda:
Average total assets$109,513,3304,710
Average earning assets$105,367,6704,578
Average equity$22,660,3302,798
Average total loans$81,020,6704,179
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6683%7,093
Cost of funding earning assets0.9323%4,703
Net interest margin2.7359%6,982
Noninterest income to average assets0.0545%7,118
Noninterest expense to average assets2.0409%6,755
Loan and lease loss provision to assets0.3116%2,675
Net operating income to assets0.3194%5,312
Return on assets (ROA)0.3194%5,391
Pretax return on assets0.3194%5,599
Return on Equity (ROE)1.4524%6,001
Retained earnings to average equity (ytd only)1.4524%5,236
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3848%3,093
Assets per employee ($millions)7.7224%529
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4096%4,614
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0046%7,193
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets73.0393%1,509
Net loans and leases to deposits92.5082%976
Net loans and leases to core deposits165.0882%117
Total domestic deposits to total assets78.9544%6,199
Equity capital to assets20.9438%211
Core capital (leverage) ratio21.8281%163
Tier 1 risk-based capital ratio25.1422%864
Total risk-based capital ratio26.3920%847
Memoranda:
Average total assets$102,698,0004,927
Average earning assets$98,247,5004,785
Average equity$22,584,0002,792
Average total loans$75,380,5004,409
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0131%7,492
Cost of funding earning assets0.7925%6,599
Net interest margin2.2206%7,390
Noninterest income to average assets0.1002%6,897
Noninterest expense to average assets2.7376%4,822
Loan and lease loss provision to assets1.2820%1,204
Net operating income to assets-1.7817%6,995
Return on assets (ROA)-1.7817%7,014
Pretax return on assets-1.7817%6,952
Return on Equity (ROE)-5.2513%6,455
Retained earnings to average equity (ytd only)-5.2513%6,327
Net charge-offs to loans0.0400%6,408
Credit loss provision to net charge-offs5,356.2500%38
Earnings coverage of net charge-offs (x)-20.8750%6,822
Efficiency ratio122.3262%388
Assets per employee ($millions)7.4833%596
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.4844%4,098
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0051%7,255
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets71.5623%2,186
Net loans and leases to deposits93.2192%1,126
Net loans and leases to core deposits160.0451%140
Total domestic deposits to total assets76.7678%6,521
Equity capital to assets23.1541%157
Core capital (leverage) ratio26.1616%112
Tier 1 risk-based capital ratio28.2341%589
Total risk-based capital ratio29.4839%573
Memoranda:
Average total assets$66,847,6005,966
Average earning assets$64,351,4005,847
Average equity$22,680,0002,808
Average total loans$40,008,4005,923
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8664%7,640
Cost of funding earning assets0.7603%6,885
Net interest margin2.1061%7,549
Noninterest income to average assets0.0990%7,050
Noninterest expense to average assets3.1870%2,971
Loan and lease loss provision to assets1.0286%1,437
Net operating income to assets-2.0842%7,256
Return on assets (ROA)-2.0842%7,277
Pretax return on assets-2.0842%7,220
Return on Equity (ROE)-5.4345%6,678
Retained earnings to average equity (ytd only)-5.4345%6,589
Net charge-offs to loans0.0659%5,852
Credit loss provision to net charge-offs2,856.2500%102
Earnings coverage of net charge-offs (x)-29.3165%6,653
Efficiency ratio149.5248%207
Assets per employee ($millions)6.1389%1,149
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2011%5,487
Loan loss allowance to noncurrent loans12,980.0000%31
Noncurrent assets plus other real estate owned to assets0.0063%7,359
Noncurrent loans to loans0.0093%7,249
Net loans and leases to total assets66.8960%3,486
Net loans and leases to deposits93.2459%1,289
Net loans and leases to core deposits160.0522%150
Total domestic deposits to total assets71.7415%7,159
Equity capital to assets28.0217%99
Core capital (leverage) ratio31.0899%80
Tier 1 risk-based capital ratio35.8568%326
Total risk-based capital ratio36.9107%327
Memoranda:
Average total assets$59,238,7506,298
Average earning assets$57,167,0006,158
Average equity$22,718,7502,843
Average total loans$32,343,7506,375
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5334%7,747
Cost of funding earning assets0.6830%7,226
Net interest margin1.8504%7,684
Noninterest income to average assets0.0955%7,116
Noninterest expense to average assets3.4897%2,054
Loan and lease loss provision to assets0.9965%1,461
Net operating income to assets-2.6115%7,439
Return on assets (ROA)-2.6115%7,447
Pretax return on assets-2.6115%7,388
Return on Equity (ROE)-5.9902%6,774
Retained earnings to average equity (ytd only)-5.9902%6,657
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio186.1507%119
Assets per employee ($millions)5.1968%1,929
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.2835%5,017
Loan loss allowance to noncurrent loans2,233.3333%180
Noncurrent assets plus other real estate owned to assets0.0311%7,321
Noncurrent loans to loans0.0575%7,176
Net loans and leases to total assets53.3948%6,062
Net loans and leases to deposits80.4052%3,533
Net loans and leases to core deposits131.8217%392
Total domestic deposits to total assets66.4071%7,510
Equity capital to assets33.3960%67
Core capital (leverage) ratio37.7122%59
Tier 1 risk-based capital ratio52.5948%143
Total risk-based capital ratio53.7016%142
Memoranda:
Average total assets$52,383,0006,566
Average earning assets$50,367,0006,466
Average equity$22,837,3302,817
Average total loans$25,113,0006,798
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1288%7,869
Cost of funding earning assets0.5671%7,583
Net interest margin1.5617%7,823
Noninterest income to average assets0.0893%7,259
Noninterest expense to average assets3.8844%1,198
Loan and lease loss provision to assets1.3752%870
Net operating income to assets-3.6701%7,693
Return on assets (ROA)-3.6701%7,695
Pretax return on assets-3.6701%7,657
Return on Equity (ROE)-7.1556%7,010
Retained earnings to average equity (ytd only)-7.1556%6,760
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio244.3820%68
Assets per employee ($millions)4.3130%3,267
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3591%4,634
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets55.3780%5,831
Net loans and leases to deposits106.9748%386
Net loans and leases to core deposits125.9794%581
Total domestic deposits to total assets51.7674%7,825
Equity capital to assets48.0598%48
Core capital (leverage) ratio52.4110%45
Tier 1 risk-based capital ratio73.2271%73
Total risk-based capital ratio74.4042%73
Memoranda:
Average total assets$44,795,0006,925
Average earning assets$43,029,5006,821
Average equity$22,975,0002,824
Average total loans$19,398,5007,188
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.6586%7,986
Cost of funding earning assets0.2064%7,938
Net interest margin0.4522%7,975
Noninterest income to average assets0.0660%7,417
Noninterest expense to average assets2.1369%7,106
Loan and lease loss provision to assets0.4084%4,363
Net operating income to assets-2.0544%7,117
Return on assets (ROA)-1.8522%7,029
Pretax return on assets-1.8522%6,881
Return on Equity (ROE)-4.4537%6,155
Retained earnings to average equity (ytd only)-4.4537%5,936
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio435.2941%39
Assets per employee ($millions)4.2147%3,410
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.7102%2,868
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets28.3626%7,747
Net loans and leases to deposits63.0951%6,354
Net loans and leases to core deposits96.3644%4,417
Total domestic deposits to total assets44.9522%7,926
Equity capital to assets54.9244%48
Core capital (leverage) ratio57.7410%44
Tier 1 risk-based capital ratio142.1334%46
Total risk-based capital ratio143.3565%46
Memoranda:
Average total assets$24,240,8007,660
Average earning assets$22,776,8007,622
Average equity$10,081,6005,273
Average total loans$4,234,6007,910
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.0875%8,095
Cost of funding earning assets0.0219%8,075
Net interest margin0.0656%8,088
Noninterest income to average assets0.0135%7,791
Noninterest expense to average assets0.1147%8,093
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets-0.0405%5,784
Return on assets (ROA)-0.0405%5,840
Pretax return on assets-0.0405%5,772
Return on Equity (ROE)-0.1174%5,791
Retained earnings to average equity (ytd only)-0.1174%5,233
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio154.5455%293
Assets per employee ($millions)4.3261%3,155
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans4.8574%152
Loan loss allowance to noncurrent loans778.5714%449
Noncurrent assets plus other real estate owned to assets0.0405%7,475
Noncurrent loans to loans0.6239%6,055
Net loans and leases to total assets6.1689%8,030
Net loans and leases to deposits17.4485%8,009
Net loans and leases to core deposits20.6300%8,001
Total domestic deposits to total assets35.3550%8,023
Equity capital to assets64.6104%42
Core capital (leverage) ratio93.6610%7
Tier 1 risk-based capital ratio255.2130%24
Total risk-based capital ratio256.4715%24
Memoranda:
Average total assets$19,764,2507,856
Average earning assets$18,295,2507,832
Average equity$6,814,7506,389
Average total loans$2,252,7508,031
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4377%8,039
Cost of funding earning assets1.4562%6,306
Net interest margin1.9816%7,875
Noninterest income to average assets0.4050%5,242
Noninterest expense to average assets2.6188%5,664
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets-0.4320%6,477
Return on assets (ROA)-0.4320%6,485
Pretax return on assets-0.4320%6,355
Return on Equity (ROE)-3.9200%6,470
Retained earnings to average equity (ytd only)-3.9200%6,122
Net charge-offs to loans0.7980%2,085
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)-3.5556%6,422
Efficiency ratio119.1358%678
Assets per employee ($millions)2.8682%6,471
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.3499%428
Loan loss allowance to noncurrent loans528.5714%629
Noncurrent assets plus other real estate owned to assets0.0976%7,338
Noncurrent loans to loans0.6338%5,978
Net loans and leases to total assets14.8874%8,077
Net loans and leases to deposits16.0394%8,102
Net loans and leases to core deposits18.6838%8,096
Total domestic deposits to total assets92.8178%110
Equity capital to assets7.0288%7,602
Core capital (leverage) ratio7.2163%7,342
Tier 1 risk-based capital ratio23.5648%1,077
Total risk-based capital ratio24.8148%1,058
Memoranda:
Average total assets$14,816,0008,071
Average earning assets$13,322,6708,061
Average equity$1,632,6708,067
Average total loans$2,255,6708,122
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3139%8,114
Cost of funding earning assets1.5967%6,040
Net interest margin1.7172%8,001
Noninterest income to average assets0.4783%4,522
Noninterest expense to average assets2.4712%5,952
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-0.4783%6,855
Return on assets (ROA)-0.4783%6,914
Pretax return on assets-0.4783%6,807
Return on Equity (ROE)-3.7018%6,858
Retained earnings to average equity (ytd only)-3.7018%6,384
Net charge-offs to loans1.9307%747
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)-1.6364%5,443
Efficiency ratio122.6667%595
Assets per employee ($millions)3.8128%4,060
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.1021%446
Loan loss allowance to noncurrent loans313.0435%1,080
Noncurrent assets plus other real estate owned to assets0.1508%7,118
Noncurrent loans to loans0.9910%5,013
Net loans and leases to total assets14.7466%8,132
Net loans and leases to deposits16.8933%8,151
Net loans and leases to core deposits20.2030%8,138
Total domestic deposits to total assets87.2926%2,072
Equity capital to assets12.6352%1,912
Core capital (leverage) ratio6.9791%7,648
Tier 1 risk-based capital ratio17.7228%2,119
Total risk-based capital ratio18.9593%2,069
Memoranda:
Average total assets$15,053,5008,116
Average earning assets$13,277,5008,111
Average equity$1,945,0008,065
Average total loans$2,279,0008,173
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0458%8,218
Cost of funding earning assets1.2901%7,857
Net interest margin0.7557%8,247
Noninterest income to average assets0.1982%7,029
Noninterest expense to average assets1.6515%7,912
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets-0.7046%7,065
Return on assets (ROA)-0.7046%6,971
Pretax return on assets-0.7762%6,868
Return on Equity (ROE)-6.2245%6,979
Retained earnings to average equity (ytd only)-6.2245%6,691
Net charge-offs to loans0.0853%5,539
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)-35.2500%6,968
Efficiency ratio187.4214%223
Assets per employee ($millions)3.7140%4,146
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans3.7103%236
Loan loss allowance to noncurrent loans319.2308%1,272
Noncurrent assets plus other real estate owned to assets0.1750%6,862
Noncurrent loans to loans1.1623%4,203
Net loans and leases to total assets14.4992%8,191
Net loans and leases to deposits16.7340%8,203
Net loans and leases to core deposits19.7887%8,198
Total domestic deposits to total assets86.6451%2,114
Equity capital to assets13.2135%1,703
Core capital (leverage) ratio7.3633%7,344
Tier 1 risk-based capital ratio18.6302%1,886
Total risk-based capital ratio19.8900%1,837
Memoranda:
Average total assets$18,165,4008,071
Average earning assets$16,277,2008,058
Average equity$2,056,4008,110
Average total loans$4,692,0008,174