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Bank of York, 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 assets4.7636%3,510
Cost of funding earning assets0.5609%4,268
Net interest margin4.2027%968
Noninterest income to average assets0.3400%2,607
Noninterest expense to average assets2.3226%2,791
Loan and lease loss provision to assets0.0100%2,596
Net operating income to assets1.5823%937
Return on assets (ROA)1.5823%931
Pretax return on assets2.0603%623
Return on Equity (ROE)13.8800%1,293
Retained earnings to average equity (ytd only)13.8824%550
Net charge-offs to loans0.0122%1,800
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)516.3333%185
Efficiency ratio52.8319%3,693
Assets per employee ($millions)8.0025%1,568
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.1689%2,357
Loan loss allowance to noncurrent loans204.5614%2,124
Noncurrent assets plus other real estate owned to assets0.1925%2,552
Noncurrent loans to loans0.5714%1,710
Net loans and leases to total assets33.3000%4,135
Net loans and leases to deposits38.3665%4,164
Net loans and leases to core deposits39.6190%4,173
Total domestic deposits to total assets86.7800%2,014
Equity capital to assets11.7440%1,331
Core capital (leverage) ratio12.1560%1,388
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.8633%239
Memoranda:
Average total assets$298,798,5002,484
Average earning assets$288,103,0002,432
Average equity$34,057,5002,270
Average total loans$98,541,0003,230
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1589%2,825
Cost of funding earning assets0.5741%4,285
Net interest margin4.5849%573
Noninterest income to average assets0.3600%2,692
Noninterest expense to average assets2.3436%2,735
Loan and lease loss provision to assets0.0800%1,685
Net operating income to assets1.8286%526
Return on assets (ROA)1.8286%522
Pretax return on assets2.3614%353
Return on Equity (ROE)17.0000%669
Retained earnings to average equity (ytd only)10.7336%475
Net charge-offs to loans0.0686%1,445
Credit loss provision to net charge-offs390.6250%751
Earnings coverage of net charge-offs (x)113.5938%744
Efficiency ratio48.9359%4,038
Assets per employee ($millions)8.3752%1,330
Cash dividends to net income (ytd only)*36.8469%2,281
Condition Ratios (%)
Loss allowance to loans1.2010%2,154
Loan loss allowance to noncurrent loans209.4982%2,104
Noncurrent assets plus other real estate owned to assets0.1851%2,517
Noncurrent loans to loans0.5733%1,650
Net loans and leases to total assets31.8900%4,199
Net loans and leases to deposits36.4653%4,211
Net loans and leases to core deposits37.5026%4,224
Total domestic deposits to total assets87.4600%1,720
Equity capital to assets11.0585%1,563
Core capital (leverage) ratio11.5148%1,667
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.4484%248
Memoranda:
Average total assets$297,279,4002,481
Average earning assets$287,075,6002,416
Average equity$31,983,6002,301
Average total loans$93,283,8003,274
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1760%2,708
Cost of funding earning assets0.5643%4,319
Net interest margin4.6117%552
Noninterest income to average assets0.3700%2,610
Noninterest expense to average assets2.3824%2,576
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets1.9138%493
Return on assets (ROA)1.9138%497
Pretax return on assets2.4404%350
Return on Equity (ROE)17.9200%595
Retained earnings to average equity (ytd only)17.9155%147
Net charge-offs to loans0.0462%1,449
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)169.4375%578
Efficiency ratio49.3980%4,015
Assets per employee ($millions)7.9298%1,567
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans1.0173%3,158
Loan loss allowance to noncurrent loans167.7249%2,441
Noncurrent assets plus other real estate owned to assets0.1932%2,497
Noncurrent loans to loans0.6066%1,572
Net loans and leases to total assets31.5400%4,234
Net loans and leases to deposits36.5700%4,241
Net loans and leases to core deposits37.6366%4,262
Total domestic deposits to total assets86.2300%1,853
Equity capital to assets11.7306%1,384
Core capital (leverage) ratio11.9712%1,497
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.7121%221
Memoranda:
Average total assets$296,222,7502,479
Average earning assets$286,131,7502,419
Average equity$31,644,0002,310
Average total loans$92,271,7503,292
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1384%2,681
Cost of funding earning assets0.5411%4,330
Net interest margin4.5972%547
Noninterest income to average assets0.3800%2,498
Noninterest expense to average assets2.3825%2,568
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets1.8858%524
Return on assets (ROA)1.8858%525
Pretax return on assets2.4397%353
Return on Equity (ROE)18.2400%593
Retained earnings to average equity (ytd only)18.2426%167
Net charge-offs to loans0.0784%1,015
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)100.6944%769
Efficiency ratio49.4068%4,043
Assets per employee ($millions)8.1184%1,390
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans1.0372%3,082
Loan loss allowance to noncurrent loans179.0170%2,431
Noncurrent assets plus other real estate owned to assets0.1810%2,493
Noncurrent loans to loans0.5794%1,575
Net loans and leases to total assets30.9200%4,253
Net loans and leases to deposits35.6659%4,268
Net loans and leases to core deposits36.5937%4,270
Total domestic deposits to total assets86.6800%1,765
Equity capital to assets11.0342%1,554
Core capital (leverage) ratio11.5424%1,689
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.1982%237
Memoranda:
Average total assets$297,162,6672,465
Average earning assets$287,172,6672,402
Average equity$30,719,3332,318
Average total loans$91,869,3333,295
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0720%2,644
Cost of funding earning assets0.5192%4,351
Net interest margin4.5528%557
Noninterest income to average assets0.3500%2,619
Noninterest expense to average assets2.6541%1,805
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets1.6274%741
Return on assets (ROA)1.6274%750
Pretax return on assets2.1000%554
Return on Equity (ROE)16.2800%807
Retained earnings to average equity (ytd only)16.2780%345
Net charge-offs to loans0.0217%1,416
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)314.6000%290
Efficiency ratio55.8270%3,616
Assets per employee ($millions)8.8900%1,062
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.0551%3,025
Loan loss allowance to noncurrent loans369.0566%1,652
Noncurrent assets plus other real estate owned to assets0.0903%3,027
Noncurrent loans to loans0.2859%2,298
Net loans and leases to total assets31.2600%4,254
Net loans and leases to deposits35.6008%4,270
Net loans and leases to core deposits36.6202%4,323
Total domestic deposits to total assets87.8100%1,491
Equity capital to assets10.4101%1,775
Core capital (leverage) ratio10.8883%2,031
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.7718%271
Memoranda:
Average total assets$299,612,0002,461
Average earning assets$289,667,0002,391
Average equity$29,954,5002,357
Average total loans$92,153,0003,297
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7852%2,503
Cost of funding earning assets0.3727%4,312
Net interest margin4.4125%699
Noninterest income to average assets0.3100%3,052
Noninterest expense to average assets2.1798%3,184
Loan and lease loss provision to assets0.1000%1,286
Net operating income to assets1.7917%622
Return on assets (ROA)1.7917%597
Pretax return on assets2.3022%431
Return on Equity (ROE)19.3400%677
Retained earnings to average equity (ytd only)7.9279%1,560
Net charge-offs to loans0.0785%1,080
Credit loss provision to net charge-offs430.5556%743
Earnings coverage of net charge-offs (x)103.2639%889
Efficiency ratio47.5707%4,110
Assets per employee ($millions)8.2664%1,298
Cash dividends to net income (ytd only)*59.0081%1,230
Condition Ratios (%)
Loss allowance to loans1.0730%2,968
Loan loss allowance to noncurrent loans369.5489%1,774
Noncurrent assets plus other real estate owned to assets0.0870%2,952
Noncurrent loans to loans0.2903%2,134
Net loans and leases to total assets29.6300%4,301
Net loans and leases to deposits33.3003%4,316
Net loans and leases to core deposits34.2267%4,361
Total domestic deposits to total assets88.9900%1,067
Equity capital to assets9.6023%2,273
Core capital (leverage) ratio10.2360%2,564
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.2622%271
Memoranda:
Average total assets$309,481,6002,382
Average earning assets$299,402,0002,309
Average equity$28,670,8002,335
Average total loans$91,668,8003,268
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6602%2,556
Cost of funding earning assets0.3249%4,339
Net interest margin4.3353%766
Noninterest income to average assets0.3100%3,041
Noninterest expense to average assets2.0344%3,507
Loan and lease loss provision to assets0.0700%1,559
Net operating income to assets1.8402%611
Return on assets (ROA)1.8402%602
Pretax return on assets2.3999%426
Return on Equity (ROE)20.0400%719
Retained earnings to average equity (ytd only)20.0442%259
Net charge-offs to loans0.0349%1,393
Credit loss provision to net charge-offs666.6667%526
Earnings coverage of net charge-offs (x)239.4583%531
Efficiency ratio45.1779%4,181
Assets per employee ($millions)8.0515%1,326
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.9587%3,534
Loan loss allowance to noncurrent loans224.7449%2,361
Noncurrent assets plus other real estate owned to assets0.1281%2,700
Noncurrent loans to loans0.4266%1,764
Net loans and leases to total assets29.7500%4,318
Net loans and leases to deposits34.0577%4,328
Net loans and leases to core deposits35.0078%4,340
Total domestic deposits to total assets87.3400%1,784
Equity capital to assets9.9655%1,849
Core capital (leverage) ratio10.8511%2,098
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.7192%234
Memoranda:
Average total assets$310,388,2502,377
Average earning assets$300,350,5002,307
Average equity$28,496,2502,325
Average total loans$91,682,0003,269
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5268%2,582
Cost of funding earning assets0.2563%4,372
Net interest margin4.2705%843
Noninterest income to average assets0.3200%2,963
Noninterest expense to average assets2.0201%3,546
Loan and lease loss provision to assets0.1000%1,140
Net operating income to assets1.7982%661
Return on assets (ROA)1.7982%660
Pretax return on assets2.3311%446
Return on Equity (ROE)20.1500%688
Retained earnings to average equity (ytd only)20.1497%245
Net charge-offs to loans0.0109%1,794
Credit loss provision to net charge-offs3,200.0000%166
Earnings coverage of net charge-offs (x)759.0000%200
Efficiency ratio45.3564%4,195
Assets per employee ($millions)8.3715%1,151
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.9659%3,548
Loan loss allowance to noncurrent loans219.2683%2,493
Noncurrent assets plus other real estate owned to assets0.1360%2,596
Noncurrent loans to loans0.4405%1,620
Net loans and leases to total assets30.5800%4,315
Net loans and leases to deposits34.7433%4,320
Net loans and leases to core deposits35.4609%4,334
Total domestic deposits to total assets88.0300%1,588
Equity capital to assets9.7065%2,027
Core capital (leverage) ratio10.3480%2,433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.2877%273
Memoranda:
Average total assets$311,865,3332,369
Average earning assets$301,932,6672,297
Average equity$27,831,6672,370
Average total loans$91,610,6673,277
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2533%2,918
Cost of funding earning assets0.1732%4,415
Net interest margin4.0802%1,127
Noninterest income to average assets0.3100%2,990
Noninterest expense to average assets2.1154%3,341
Loan and lease loss provision to assets0.1500%723
Net operating income to assets1.5162%1,156
Return on assets (ROA)1.5162%1,136
Pretax return on assets1.9980%784
Return on Equity (ROE)17.7300%1,061
Retained earnings to average equity (ytd only)17.7280%535
Net charge-offs to loans0.0088%1,616
Credit loss provision to net charge-offs6,000.0000%78
Earnings coverage of net charge-offs (x)852.0000%127
Efficiency ratio49.6007%3,972
Assets per employee ($millions)8.6768%1,064
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.9435%3,740
Loan loss allowance to noncurrent loans244.4759%2,457
Noncurrent assets plus other real estate owned to assets0.1162%2,706
Noncurrent loans to loans0.3859%1,773
Net loans and leases to total assets29.8400%4,373
Net loans and leases to deposits33.6135%4,386
Net loans and leases to core deposits34.2314%4,392
Total domestic deposits to total assets88.7600%1,635
Equity capital to assets9.1957%2,375
Core capital (leverage) ratio9.7318%2,966
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.3815%300
Memoranda:
Average total assets$317,110,5002,374
Average earning assets$307,242,5002,304
Average equity$27,121,0002,430
Average total loans$90,879,0003,318
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5934%4,463
Cost of funding earning assets0.0649%4,523
Net interest margin2.5285%4,257
Noninterest income to average assets0.3000%3,332
Noninterest expense to average assets1.7446%4,097
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7885%3,364
Return on assets (ROA)0.7885%3,297
Pretax return on assets1.0080%3,054
Return on Equity (ROE)9.8200%2,863
Retained earnings to average equity (ytd only)5.0540%3,027
Net charge-offs to loans0.1133%662
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)34.3958%1,600
Efficiency ratio63.3803%2,580
Assets per employee ($millions)9.4438%799
Cash dividends to net income (ytd only)*48.5095%1,479
Condition Ratios (%)
Loss allowance to loans0.8251%3,976
Loan loss allowance to noncurrent loans217.2012%2,571
Noncurrent assets plus other real estate owned to assets0.1038%2,810
Noncurrent loans to loans0.3799%1,780
Net loans and leases to total assets27.0900%4,457
Net loans and leases to deposits29.7751%4,479
Net loans and leases to core deposits30.2449%4,482
Total domestic deposits to total assets90.9800%967
Equity capital to assets7.9617%3,081
Core capital (leverage) ratio8.9360%3,751
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2998%323
Memoranda:
Average total assets$327,574,8002,308
Average earning assets$317,502,6002,250
Average equity$26,315,6002,512
Average total loans$84,717,0003,345
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1523%4,576
Cost of funding earning assets0.0471%4,587
Net interest margin2.1051%4,514
Noninterest income to average assets0.3000%3,360
Noninterest expense to average assets1.6999%4,149
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.5128%4,047
Return on assets (ROA)0.5128%3,994
Pretax return on assets0.6429%3,910
Return on Equity (ROE)6.3700%3,722
Retained earnings to average equity (ytd only)5.8469%2,806
Net charge-offs to loans0.1024%606
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)24.6250%1,624
Efficiency ratio72.5579%1,438
Assets per employee ($millions)9.4659%772
Cash dividends to net income (ytd only)*8.1941%2,893
Condition Ratios (%)
Loss allowance to loans0.8694%3,944
Loan loss allowance to noncurrent loans197.2081%2,703
Noncurrent assets plus other real estate owned to assets0.1224%2,748
Noncurrent loans to loans0.4408%1,702
Net loans and leases to total assets27.5300%4,469
Net loans and leases to deposits30.4497%4,493
Net loans and leases to core deposits31.0509%4,494
Total domestic deposits to total assets90.4100%1,469
Equity capital to assets8.0077%2,890
Core capital (leverage) ratio8.8943%3,706
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.0750%311
Memoranda:
Average total assets$326,835,0002,333
Average earning assets$316,804,5002,268
Average equity$26,315,5002,552
Average total loans$83,324,2503,374
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.7972%4,665
Cost of funding earning assets0.0471%4,613
Net interest margin1.7501%4,644
Noninterest income to average assets0.2995%3,365
Noninterest expense to average assets1.6310%4,259
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.3008%4,287
Return on assets (ROA)0.3008%4,236
Pretax return on assets0.3653%4,208
Return on Equity (ROE)3.7288%4,090
Retained earnings to average equity (ytd only)2.9513%3,461
Net charge-offs to loans0.1082%557
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)13.6364%1,684
Efficiency ratio81.7017%823
Assets per employee ($millions)9.0187%880
Cash dividends to net income (ytd only)*20.8502%2,431
Condition Ratios (%)
Loss allowance to loans0.9259%3,876
Loan loss allowance to noncurrent loans196.7901%2,700
Noncurrent assets plus other real estate owned to assets0.1247%2,832
Noncurrent loans to loans0.4705%1,703
Net loans and leases to total assets26.2657%4,554
Net loans and leases to deposits29.1465%4,569
Net loans and leases to core deposits29.6843%4,574
Total domestic deposits to total assets90.1162%1,668
Equity capital to assets7.9760%3,141
Core capital (leverage) ratio8.6310%3,826
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.9427%291
Memoranda:
Average total assets$328,500,3332,331
Average earning assets$318,501,6672,279
Average equity$26,496,6672,608
Average total loans$81,307,0003,435
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.6475%4,692
Cost of funding earning assets0.0474%4,618
Net interest margin1.6001%4,671
Noninterest income to average assets0.3002%3,315
Noninterest expense to average assets1.7021%4,132
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.1283%4,433
Return on assets (ROA)0.1283%4,403
Pretax return on assets0.1501%4,388
Return on Equity (ROE)1.5823%4,328
Retained earnings to average equity (ytd only)1.5823%3,661
Net charge-offs to loans-0.0101%3,592
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.8954%468
Assets per employee ($millions)8.9679%931
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0729%3,443
Loan loss allowance to noncurrent loans135.7488%3,082
Noncurrent assets plus other real estate owned to assets0.1978%2,442
Noncurrent loans to loans0.7904%1,201
Net loans and leases to total assets24.7631%4,599
Net loans and leases to deposits27.6866%4,605
Net loans and leases to core deposits28.1752%4,610
Total domestic deposits to total assets89.4408%1,848
Equity capital to assets8.3383%3,293
Core capital (leverage) ratio8.4021%3,962
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.0864%291
Memoranda:
Average total assets$330,413,5002,338
Average earning assets$320,476,5002,282
Average equity$26,797,0002,662
Average total loans$78,923,0003,471
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1688%4,631
Cost of funding earning assets0.0611%4,641
Net interest margin2.1077%4,537
Noninterest income to average assets0.3298%3,438
Noninterest expense to average assets1.8653%4,007
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.4119%4,259
Return on assets (ROA)0.4119%4,296
Pretax return on assets0.4999%4,259
Return on Equity (ROE)4.3331%4,146
Retained earnings to average equity (ytd only)0.5667%4,359
Net charge-offs to loans-0.0466%4,297
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8639%879
Assets per employee ($millions)9.6375%748
Cash dividends to net income (ytd only)*86.9205%377
Condition Ratios (%)
Loss allowance to loans1.0608%3,522
Loan loss allowance to noncurrent loans200.2381%2,592
Noncurrent assets plus other real estate owned to assets0.1211%3,085
Noncurrent loans to loans0.5298%1,806
Net loans and leases to total assets22.6074%4,680
Net loans and leases to deposits25.0116%4,702
Net loans and leases to core deposits25.3851%4,702
Total domestic deposits to total assets90.3876%768
Equity capital to assets7.8914%4,422
Core capital (leverage) ratio8.6745%3,749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$293,249,2002,463
Average earning assets$283,196,4002,413
Average equity$27,878,4002,657
Average total loans$83,665,4003,419
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2383%4,701
Cost of funding earning assets0.0652%4,713
Net interest margin2.1731%4,585
Noninterest income to average assets0.3359%3,425
Noninterest expense to average assets1.9769%3,746
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.3788%4,403
Return on assets (ROA)0.3788%4,438
Pretax return on assets0.4541%4,425
Return on Equity (ROE)3.7852%4,338
Retained earnings to average equity (ytd only)3.7852%3,644
Net charge-offs to loans-0.0330%4,174
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3211%680
Assets per employee ($millions)8.6834%991
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0293%3,744
Loan loss allowance to noncurrent loans63.5521%3,806
Noncurrent assets plus other real estate owned to assets0.4261%1,756
Noncurrent loans to loans1.6195%633
Net loans and leases to total assets26.0393%4,700
Net loans and leases to deposits29.4616%4,714
Net loans and leases to core deposits29.9070%4,726
Total domestic deposits to total assets88.3837%1,625
Equity capital to assets9.3088%3,551
Core capital (leverage) ratio9.3652%3,160
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$279,824,2502,559
Average earning assets$269,780,2502,509
Average equity$28,003,2502,684
Average total loans$84,762,5003,455
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2811%4,734
Cost of funding earning assets0.0703%4,745
Net interest margin2.2108%4,594
Noninterest income to average assets0.3422%3,396
Noninterest expense to average assets2.0001%3,697
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.4047%4,374
Return on assets (ROA)0.4047%4,415
Pretax return on assets0.4702%4,428
Return on Equity (ROE)3.9416%4,342
Retained earnings to average equity (ytd only)3.9416%3,539
Net charge-offs to loans-0.0324%4,187
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9651%726
Assets per employee ($millions)8.1055%1,161
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9435%4,017
Loan loss allowance to noncurrent loans66.9951%3,749
Noncurrent assets plus other real estate owned to assets0.4293%1,903
Noncurrent loans to loans1.4083%828
Net loans and leases to total assets30.1993%4,644
Net loans and leases to deposits34.5262%4,671
Net loans and leases to core deposits35.0915%4,693
Total domestic deposits to total assets87.4677%2,111
Equity capital to assets9.8910%2,958
Core capital (leverage) ratio9.6344%2,777
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$271,793,0002,597
Average earning assets$261,629,6672,550
Average equity$27,907,3332,681
Average total loans$86,363,0003,449
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4499%4,688
Cost of funding earning assets0.0815%4,738
Net interest margin2.3684%4,450
Noninterest income to average assets0.3400%3,396
Noninterest expense to average assets1.9621%3,830
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.5447%4,086
Return on assets (ROA)0.5447%4,127
Pretax return on assets0.6530%4,105
Return on Equity (ROE)5.2028%4,052
Retained earnings to average equity (ytd only)5.2028%3,161
Net charge-offs to loans-0.0788%4,562
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0288%1,219
Assets per employee ($millions)7.7339%1,323
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9456%4,031
Loan loss allowance to noncurrent loans66.2086%3,767
Noncurrent assets plus other real estate owned to assets0.4570%2,026
Noncurrent loans to loans1.4282%885
Net loans and leases to total assets31.6941%4,638
Net loans and leases to deposits36.2935%4,669
Net loans and leases to core deposits36.8358%4,690
Total domestic deposits to total assets87.3271%2,168
Equity capital to assets10.3170%2,424
Core capital (leverage) ratio10.2056%2,328
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$265,843,5002,625
Average earning assets$255,361,0002,570
Average equity$27,831,0002,683
Average total loans$86,300,0003,466
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6400%4,812
Cost of funding earning assets0.1256%4,798
Net interest margin2.5144%4,573
Noninterest income to average assets0.3671%3,277
Noninterest expense to average assets2.3524%3,265
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.3593%4,329
Return on assets (ROA)0.3593%4,400
Pretax return on assets0.4213%4,385
Return on Equity (ROE)3.1516%4,340
Retained earnings to average equity (ytd only)0.8131%4,288
Net charge-offs to loans0.0023%3,314
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)513.5000%227
Efficiency ratio84.8122%577
Assets per employee ($millions)7.0540%1,545
Cash dividends to net income (ytd only)*74.2009%817
Condition Ratios (%)
Loss allowance to loans0.9327%4,092
Loan loss allowance to noncurrent loans58.7116%3,903
Noncurrent assets plus other real estate owned to assets0.5234%1,981
Noncurrent loans to loans1.5886%830
Net loans and leases to total assets32.6388%4,692
Net loans and leases to deposits37.2505%4,713
Net loans and leases to core deposits37.7805%4,744
Total domestic deposits to total assets87.6199%1,647
Equity capital to assets10.6265%2,570
Core capital (leverage) ratio10.0992%2,510
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$243,789,6002,625
Average earning assets$233,332,8002,577
Average equity$27,795,0002,616
Average total loans$85,479,8003,477
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6940%4,863
Cost of funding earning assets0.1345%4,844
Net interest margin2.5596%4,611
Noninterest income to average assets0.3674%3,260
Noninterest expense to average assets2.2503%3,552
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.4721%4,111
Return on assets (ROA)0.4721%4,187
Pretax return on assets0.5651%4,164
Return on Equity (ROE)4.0656%4,141
Retained earnings to average equity (ytd only)4.0656%3,013
Net charge-offs to loans-0.0109%4,246
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.9288%873
Assets per employee ($millions)7.0185%1,490
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9006%4,070
Loan loss allowance to noncurrent loans67.1914%3,778
Noncurrent assets plus other real estate owned to assets0.4648%2,328
Noncurrent loans to loans1.3404%1,099
Net loans and leases to total assets34.3630%4,728
Net loans and leases to deposits39.8521%4,755
Net loans and leases to core deposits40.4676%4,778
Total domestic deposits to total assets86.2264%1,971
Equity capital to assets10.9155%2,463
Core capital (leverage) ratio10.2958%2,435
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$239,487,2502,626
Average earning assets$229,043,0002,588
Average equity$27,810,0002,606
Average total loans$85,352,5003,497
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9005%4,881
Cost of funding earning assets0.1476%4,886
Net interest margin2.7529%4,504
Noninterest income to average assets0.3686%3,268
Noninterest expense to average assets2.3355%3,437
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.5413%3,904
Return on assets (ROA)0.5413%3,983
Pretax return on assets0.6616%3,951
Return on Equity (ROE)4.5600%3,956
Retained earnings to average equity (ytd only)4.5600%2,676
Net charge-offs to loans0.0716%1,531
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)25.6667%1,544
Efficiency ratio77.9243%1,064
Assets per employee ($millions)6.5557%1,737
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8547%4,173
Loan loss allowance to noncurrent loans52.8328%4,010
Noncurrent assets plus other real estate owned to assets0.5933%2,030
Noncurrent loans to loans1.6178%907
Net loans and leases to total assets36.0404%4,721
Net loans and leases to deposits41.8739%4,747
Net loans and leases to core deposits42.5994%4,786
Total domestic deposits to total assets86.0689%1,980
Equity capital to assets11.3396%2,095
Core capital (leverage) ratio11.7192%1,544
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$232,754,3332,660
Average earning assets$222,238,6672,610
Average equity$27,631,3332,610
Average total loans$83,787,6673,521
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3147%4,798
Cost of funding earning assets0.1697%4,942
Net interest margin3.1449%3,996
Noninterest income to average assets0.4079%3,041
Noninterest expense to average assets2.2995%3,771
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.8817%2,578
Return on assets (ROA)0.8817%2,680
Pretax return on assets1.1114%2,474
Return on Equity (ROE)7.2468%2,854
Retained earnings to average equity (ytd only)7.2468%1,460
Net charge-offs to loans0.1791%750
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)17.3333%1,496
Efficiency ratio67.4151%2,753
Assets per employee ($millions)5.7554%1,889
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9555%3,910
Loan loss allowance to noncurrent loans51.9973%4,052
Noncurrent assets plus other real estate owned to assets0.6638%2,010
Noncurrent loans to loans1.8376%811
Net loans and leases to total assets35.4657%4,798
Net loans and leases to deposits41.2260%4,815
Net loans and leases to core deposits42.0192%4,843
Total domestic deposits to total assets86.0275%1,993
Equity capital to assets12.2818%1,862
Core capital (leverage) ratio11.9527%1,770
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$224,572,5002,675
Average earning assets$214,440,0002,622
Average equity$27,322,5002,617
Average total loans$80,403,0003,574
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5590%4,813
Cost of funding earning assets0.1473%5,051
Net interest margin3.4117%3,716
Noninterest income to average assets0.3966%3,316
Noninterest expense to average assets2.4023%3,688
Loan and lease loss provision to assets0.0663%2,691
Net operating income to assets0.9399%3,059
Return on assets (ROA)0.9399%3,140
Pretax return on assets1.1820%2,903
Return on Equity (ROE)7.8137%3,242
Retained earnings to average equity (ytd only)2.0085%3,996
Net charge-offs to loans0.1076%1,653
Credit loss provision to net charge-offs164.8352%1,574
Earnings coverage of net charge-offs (x)31.0549%1,547
Efficiency ratio65.8076%2,801
Assets per employee ($millions)5.7611%1,825
Cash dividends to net income (ytd only)*74.2951%981
Condition Ratios (%)
Loss allowance to loans0.9984%3,527
Loan loss allowance to noncurrent loans45.0112%4,180
Noncurrent assets plus other real estate owned to assets0.7998%1,620
Noncurrent loans to loans2.2181%555
Net loans and leases to total assets35.4402%4,853
Net loans and leases to deposits40.9424%4,887
Net loans and leases to core deposits41.6305%4,911
Total domestic deposits to total assets86.5611%1,822
Equity capital to assets12.0512%2,109
Core capital (leverage) ratio11.4118%2,179
Tier 1 risk-based capital ratio26.0874%670
Total risk-based capital ratio26.8693%691
Memoranda:
Average total assets$226,404,0002,607
Average earning assets$215,933,2002,561
Average equity$27,234,2002,546
Average total loans$84,537,2003,515
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6306%4,855
Cost of funding earning assets0.1400%5,135
Net interest margin3.4906%3,586
Noninterest income to average assets0.3950%3,350
Noninterest expense to average assets2.2624%4,044
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1497%2,366
Return on assets (ROA)1.1497%2,455
Pretax return on assets1.4589%2,082
Return on Equity (ROE)9.5621%2,639
Retained earnings to average equity (ytd only)9.5621%878
Net charge-offs to loans0.0873%1,602
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)44.3243%1,279
Efficiency ratio60.7961%3,502
Assets per employee ($millions)5.8660%1,702
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8320%4,304
Loan loss allowance to noncurrent loans38.9266%4,368
Noncurrent assets plus other real estate owned to assets0.7794%1,763
Noncurrent loans to loans2.1374%616
Net loans and leases to total assets35.8972%4,943
Net loans and leases to deposits41.8625%4,959
Net loans and leases to core deposits42.4874%4,988
Total domestic deposits to total assets85.7501%2,101
Equity capital to assets12.4801%1,924
Core capital (leverage) ratio12.4531%1,598
Tier 1 risk-based capital ratio29.8808%487
Total risk-based capital ratio30.6109%496
Memoranda:
Average total assets$226,834,2502,628
Average earning assets$216,155,0002,581
Average equity$27,273,5002,556
Average total loans$85,563,7503,533
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6577%4,872
Cost of funding earning assets0.1356%5,188
Net interest margin3.5222%3,523
Noninterest income to average assets0.3952%3,295
Noninterest expense to average assets2.3158%3,965
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1283%2,411
Return on assets (ROA)1.1283%2,484
Pretax return on assets1.4333%2,091
Return on Equity (ROE)9.5055%2,629
Retained earnings to average equity (ytd only)9.5055%908
Net charge-offs to loans0.1179%1,249
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)31.7843%1,420
Efficiency ratio61.7689%3,471
Assets per employee ($millions)5.8277%1,669
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8151%4,391
Loan loss allowance to noncurrent loans29.4068%4,560
Noncurrent assets plus other real estate owned to assets1.0445%1,315
Noncurrent loans to loans2.7717%385
Net loans and leases to total assets37.1575%4,940
Net loans and leases to deposits43.2203%4,968
Net loans and leases to core deposits43.8543%4,998
Total domestic deposits to total assets85.9724%2,045
Equity capital to assets12.2069%2,049
Core capital (leverage) ratio12.2619%1,670
Tier 1 risk-based capital ratio26.2028%672
Total risk-based capital ratio26.8636%696
Memoranda:
Average total assets$226,188,0002,642
Average earning assets$215,379,0002,598
Average equity$26,847,6702,575
Average total loans$86,481,0003,544
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7166%4,821
Cost of funding earning assets0.1289%5,245
Net interest margin3.5876%3,299
Noninterest income to average assets0.4006%3,179
Noninterest expense to average assets2.2319%4,180
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.2374%1,926
Return on assets (ROA)1.2374%1,974
Pretax return on assets1.5724%1,540
Return on Equity (ROE)10.5760%2,129
Retained earnings to average equity (ytd only)10.5760%910
Net charge-offs to loans0.1698%804
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)23.9730%1,462
Efficiency ratio58.6673%3,993
Assets per employee ($millions)5.6352%1,854
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8087%4,495
Loan loss allowance to noncurrent loans38.6674%4,481
Noncurrent assets plus other real estate owned to assets0.8700%1,627
Noncurrent loans to loans2.0915%703
Net loans and leases to total assets39.5116%4,906
Net loans and leases to deposits46.0971%4,927
Net loans and leases to core deposits47.0673%4,959
Total domestic deposits to total assets85.7138%2,402
Equity capital to assets12.2414%1,882
Core capital (leverage) ratio12.1988%1,664
Tier 1 risk-based capital ratio24.7188%780
Total risk-based capital ratio25.3684%815
Memoranda:
Average total assets$225,641,5002,673
Average earning assets$214,068,5002,633
Average equity$26,399,5002,611
Average total loans$87,148,5003,556
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2355%5,124
Cost of funding earning assets0.1210%5,240
Net interest margin3.1145%4,628
Noninterest income to average assets0.3802%3,554
Noninterest expense to average assets2.2478%4,227
Loan and lease loss provision to assets0.0009%4,074
Net operating income to assets0.8521%3,599
Return on assets (ROA)0.8521%3,597
Pretax return on assets1.0709%3,370
Return on Equity (ROE)7.6523%3,593
Retained earnings to average equity (ytd only)2.6647%4,071
Net charge-offs to loans0.1283%1,469
Credit loss provision to net charge-offs1.7857%3,448
Earnings coverage of net charge-offs (x)22.1250%1,915
Efficiency ratio67.7134%2,596
Assets per employee ($millions)5.9362%1,567
Cash dividends to net income (ytd only)*65.1777%1,270
Condition Ratios (%)
Loss allowance to loans0.8588%4,336
Loan loss allowance to noncurrent loans41.3200%4,469
Noncurrent assets plus other real estate owned to assets0.7848%1,781
Noncurrent loans to loans2.0783%642
Net loans and leases to total assets37.1510%5,040
Net loans and leases to deposits42.6583%5,060
Net loans and leases to core deposits43.4442%5,086
Total domestic deposits to total assets87.0897%1,745
Equity capital to assets11.1856%2,528
Core capital (leverage) ratio11.5002%2,101
Tier 1 risk-based capital ratio25.0511%738
Total risk-based capital ratio25.7622%761
Memoranda:
Average total assets$231,201,2002,608
Average earning assets$218,204,4002,575
Average equity$25,743,8002,586
Average total loans$87,314,8003,529
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1620%5,215
Cost of funding earning assets0.1172%5,312
Net interest margin3.0447%4,787
Noninterest income to average assets0.3779%3,614
Noninterest expense to average assets2.2071%4,308
Loan and lease loss provision to assets0.0012%3,933
Net operating income to assets0.8371%3,787
Return on assets (ROA)0.8371%3,794
Pretax return on assets1.0459%3,586
Return on Equity (ROE)7.5260%3,737
Retained earnings to average equity (ytd only)6.7480%2,265
Net charge-offs to loans0.1494%1,102
Credit loss provision to net charge-offs2.0408%3,081
Earnings coverage of net charge-offs (x)18.5209%2,049
Efficiency ratio67.8249%2,568
Assets per employee ($millions)5.6224%1,808
Cash dividends to net income (ytd only)*10.3379%3,365
Condition Ratios (%)
Loss allowance to loans0.8503%4,459
Loan loss allowance to noncurrent loans43.3962%4,525
Noncurrent assets plus other real estate owned to assets0.7955%1,860
Noncurrent loans to loans1.9593%766
Net loans and leases to total assets39.3548%5,043
Net loans and leases to deposits45.7663%5,061
Net loans and leases to core deposits46.6290%5,091
Total domestic deposits to total assets85.9908%2,195
Equity capital to assets11.6472%2,147
Core capital (leverage) ratio11.9897%1,791
Tier 1 risk-based capital ratio24.9376%762
Total risk-based capital ratio25.6423%785
Memoranda:
Average total assets$231,123,5002,614
Average earning assets$218,340,5002,589
Average equity$25,705,7502,600
Average total loans$87,455,0003,556
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0502%5,313
Cost of funding earning assets0.1146%5,362
Net interest margin2.9356%4,967
Noninterest income to average assets0.3731%3,661
Noninterest expense to average assets2.2204%4,321
Loan and lease loss provision to assets0.0017%3,765
Net operating income to assets0.7410%4,065
Return on assets (ROA)0.7410%4,066
Pretax return on assets0.9202%3,907
Return on Equity (ROE)6.7651%3,970
Retained earnings to average equity (ytd only)5.5906%2,773
Net charge-offs to loans0.1957%802
Credit loss provision to net charge-offs2.3529%2,755
Earnings coverage of net charge-offs (x)12.6471%2,192
Efficiency ratio70.6605%2,221
Assets per employee ($millions)5.6610%1,747
Cash dividends to net income (ytd only)*17.3611%3,085
Condition Ratios (%)
Loss allowance to loans0.8894%4,388
Loan loss allowance to noncurrent loans40.9984%4,578
Noncurrent assets plus other real estate owned to assets0.8492%1,756
Noncurrent loans to loans2.1693%652
Net loans and leases to total assets37.9924%5,123
Net loans and leases to deposits43.9363%5,146
Net loans and leases to core deposits44.7574%5,181
Total domestic deposits to total assets86.4715%2,069
Equity capital to assets11.3690%2,296
Core capital (leverage) ratio11.5537%2,030
Tier 1 risk-based capital ratio24.4477%797
Total risk-based capital ratio25.1661%811
Memoranda:
Average total assets$233,199,6702,610
Average earning assets$219,987,0002,586
Average equity$25,543,0002,627
Average total loans$86,851,3303,587
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0068%5,367
Cost of funding earning assets0.1114%5,425
Net interest margin2.8954%5,036
Noninterest income to average assets0.3737%3,640
Noninterest expense to average assets2.1405%4,554
Loan and lease loss provision to assets0.0034%3,470
Net operating income to assets0.7693%3,833
Return on assets (ROA)0.7693%3,834
Pretax return on assets0.9553%3,684
Return on Equity (ROE)7.1534%3,725
Retained earnings to average equity (ytd only)7.1534%2,213
Net charge-offs to loans0.1243%1,046
Credit loss provision to net charge-offs7.4074%2,179
Earnings coverage of net charge-offs (x)21.0000%1,444
Efficiency ratio69.0671%2,655
Assets per employee ($millions)5.8982%1,603
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9610%4,169
Loan loss allowance to noncurrent loans36.4035%4,708
Noncurrent assets plus other real estate owned to assets1.0086%1,559
Noncurrent loans to loans2.6398%489
Net loans and leases to total assets37.1863%5,168
Net loans and leases to deposits43.2835%5,178
Net loans and leases to core deposits44.0830%5,210
Total domestic deposits to total assets85.9135%2,582
Equity capital to assets11.0908%2,495
Core capital (leverage) ratio11.3825%2,099
Tier 1 risk-based capital ratio24.6833%772
Total risk-based capital ratio25.4709%799
Memoranda:
Average total assets$236,579,5002,616
Average earning assets$222,696,5002,589
Average equity$25,442,5002,658
Average total loans$86,876,0003,611
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7803%5,466
Cost of funding earning assets0.1180%5,424
Net interest margin2.6623%5,305
Noninterest income to average assets0.5536%2,697
Noninterest expense to average assets2.1436%4,668
Loan and lease loss provision to assets0.0026%4,194
Net operating income to assets0.6636%3,759
Return on assets (ROA)0.6636%3,798
Pretax return on assets0.9173%3,856
Return on Equity (ROE)5.9974%3,766
Retained earnings to average equity (ytd only)0.3055%4,905
Net charge-offs to loans0.0776%2,339
Credit loss provision to net charge-offs9.0909%3,670
Earnings coverage of net charge-offs (x)32.5758%1,460
Efficiency ratio69.9721%2,552
Assets per employee ($millions)6.0783%1,467
Cash dividends to net income (ytd only)*94.9065%455
Condition Ratios (%)
Loss allowance to loans0.9785%4,058
Loan loss allowance to noncurrent loans52.5184%4,430
Noncurrent assets plus other real estate owned to assets0.6860%2,259
Noncurrent loans to loans1.8631%849
Net loans and leases to total assets35.5890%5,302
Net loans and leases to deposits40.6806%5,325
Net loans and leases to core deposits41.3774%5,352
Total domestic deposits to total assets87.4841%1,771
Equity capital to assets10.4359%3,228
Core capital (leverage) ratio11.0373%2,305
Tier 1 risk-based capital ratio24.7883%741
Total risk-based capital ratio25.6176%765
Memoranda:
Average total assets$233,723,8002,615
Average earning assets$220,335,4002,579
Average equity$25,861,4002,616
Average total loans$85,033,2003,634
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7585%5,535
Cost of funding earning assets0.1188%5,485
Net interest margin2.6397%5,378
Noninterest income to average assets0.6097%2,426
Noninterest expense to average assets2.1103%4,713
Loan and lease loss provision to assets0.0029%4,053
Net operating income to assets0.7722%3,636
Return on assets (ROA)0.7722%3,687
Pretax return on assets0.9929%3,712
Return on Equity (ROE)6.8760%3,732
Retained earnings to average equity (ytd only)4.8234%3,007
Net charge-offs to loans0.1010%1,772
Credit loss provision to net charge-offs7.8125%3,238
Earnings coverage of net charge-offs (x)27.0004%1,655
Efficiency ratio67.9406%2,884
Assets per employee ($millions)5.6534%1,777
Cash dividends to net income (ytd only)*29.8508%2,756
Condition Ratios (%)
Loss allowance to loans0.9855%4,147
Loan loss allowance to noncurrent loans55.6929%4,432
Noncurrent assets plus other real estate owned to assets0.6881%2,443
Noncurrent loans to loans1.7696%1,017
Net loans and leases to total assets37.1037%5,303
Net loans and leases to deposits44.1203%5,312
Net loans and leases to core deposits44.9355%5,343
Total domestic deposits to total assets84.0967%3,087
Equity capital to assets11.4247%2,442
Core capital (leverage) ratio11.5830%1,961
Tier 1 risk-based capital ratio24.9905%753
Total risk-based capital ratio25.8003%780
Memoranda:
Average total assets$231,372,0002,651
Average earning assets$218,808,5002,611
Average equity$25,983,5002,630
Average total loans$84,445,7503,675
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6703%5,604
Cost of funding earning assets0.1183%5,521
Net interest margin2.5520%5,470
Noninterest income to average assets0.7032%1,976
Noninterest expense to average assets2.1493%4,671
Loan and lease loss provision to assets0.0026%3,846
Net operating income to assets0.7776%3,503
Return on assets (ROA)0.7776%3,555
Pretax return on assets0.9592%3,728
Return on Equity (ROE)6.9642%3,572
Retained earnings to average equity (ytd only)5.0276%2,691
Net charge-offs to loans0.0980%1,639
Credit loss provision to net charge-offs7.3171%2,869
Earnings coverage of net charge-offs (x)27.1220%1,549
Efficiency ratio69.0853%2,833
Assets per employee ($millions)5.6289%1,760
Cash dividends to net income (ytd only)*27.8087%2,845
Condition Ratios (%)
Loss allowance to loans1.0535%3,833
Loan loss allowance to noncurrent loans54.1024%4,494
Noncurrent assets plus other real estate owned to assets0.7275%2,387
Noncurrent loans to loans1.9472%881
Net loans and leases to total assets35.6919%5,389
Net loans and leases to deposits42.2360%5,392
Net loans and leases to core deposits43.1057%5,416
Total domestic deposits to total assets84.5060%3,006
Equity capital to assets11.3581%2,450
Core capital (leverage) ratio11.4040%2,045
Tier 1 risk-based capital ratio25.3532%719
Total risk-based capital ratio26.2042%739
Memoranda:
Average total assets$231,233,3302,667
Average earning assets$218,180,6702,625
Average equity$25,817,6702,644
Average total loans$83,641,6703,702
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6387%5,670
Cost of funding earning assets0.1138%5,598
Net interest margin2.5249%5,527
Noninterest income to average assets1.0058%995
Noninterest expense to average assets2.1084%4,832
Loan and lease loss provision to assets0.0035%3,513
Net operating income to assets1.0732%1,965
Return on assets (ROA)1.0732%2,014
Pretax return on assets1.2702%2,346
Return on Equity (ROE)9.6956%2,104
Retained earnings to average equity (ytd only)9.6956%885
Net charge-offs to loans0.1002%1,372
Credit loss provision to net charge-offs9.5238%2,228
Earnings coverage of net charge-offs (x)35.0952%1,128
Efficiency ratio62.3403%4,101
Assets per employee ($millions)5.8274%1,623
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.0726%3,869
Loan loss allowance to noncurrent loans67.5207%4,255
Noncurrent assets plus other real estate owned to assets0.5942%2,867
Noncurrent loans to loans1.5885%1,230
Net loans and leases to total assets35.4535%5,426
Net loans and leases to deposits42.1058%5,414
Net loans and leases to core deposits42.9663%5,442
Total domestic deposits to total assets84.2010%3,395
Equity capital to assets11.1580%2,470
Core capital (leverage) ratio11.8077%1,749
Tier 1 risk-based capital ratio25.3251%749
Total risk-based capital ratio26.1944%763
Memoranda:
Average total assets$231,457,0002,697
Average earning assets$217,833,0002,661
Average equity$25,620,0002,675
Average total loans$83,838,0003,722
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6852%5,695
Cost of funding earning assets0.1248%5,588
Net interest margin2.5604%5,548
Noninterest income to average assets0.4363%3,644
Noninterest expense to average assets2.2404%4,675
Loan and lease loss provision to assets-0.0661%5,623
Net operating income to assets0.5021%4,624
Return on assets (ROA)0.5093%4,670
Pretax return on assets0.6823%4,550
Return on Equity (ROE)4.2824%4,741
Retained earnings to average equity (ytd only)0.4398%5,149
Net charge-offs to loans0.0550%2,941
Credit loss provision to net charge-offs-306.3830%5,085
Earnings coverage of net charge-offs (x)28.1277%1,485
Efficiency ratio78.6946%1,590
Assets per employee ($millions)5.6053%1,777
Cash dividends to net income (ytd only)*89.7297%600
Condition Ratios (%)
Loss allowance to loans1.0875%3,779
Loan loss allowance to noncurrent loans105.7803%3,505
Noncurrent assets plus other real estate owned to assets0.4316%3,540
Noncurrent loans to loans1.0281%2,027
Net loans and leases to total assets36.2132%5,476
Net loans and leases to deposits42.3073%5,483
Net loans and leases to core deposits43.3759%5,508
Total domestic deposits to total assets85.5955%2,783
Equity capital to assets10.9787%2,647
Core capital (leverage) ratio10.9873%2,351
Tier 1 risk-based capital ratio25.0487%770
Total risk-based capital ratio25.9482%782
Memoranda:
Average total assets$217,950,2002,780
Average earning assets$205,201,2002,737
Average equity$25,920,2002,642
Average total loans$85,437,8003,673
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6958%5,762
Cost of funding earning assets0.1222%5,665
Net interest margin2.5737%5,606
Noninterest income to average assets0.4403%3,629
Noninterest expense to average assets2.2872%4,566
Loan and lease loss provision to assets-0.0905%5,776
Net operating income to assets0.4971%4,708
Return on assets (ROA)0.5067%4,773
Pretax return on assets0.6866%4,646
Return on Equity (ROE)4.1748%4,839
Retained earnings to average equity (ytd only)3.6638%3,698
Net charge-offs to loans0.0404%2,829
Credit loss provision to net charge-offs-561.5385%5,099
Earnings coverage of net charge-offs (x)36.1494%1,314
Efficiency ratio79.6889%1,473
Assets per employee ($millions)5.6941%1,670
Cash dividends to net income (ytd only)*12.2399%3,489
Condition Ratios (%)
Loss allowance to loans1.0938%3,863
Loan loss allowance to noncurrent loans104.7085%3,521
Noncurrent assets plus other real estate owned to assets0.4278%3,711
Noncurrent loans to loans1.0447%2,149
Net loans and leases to total assets38.0299%5,465
Net loans and leases to deposits45.4207%5,473
Net loans and leases to core deposits46.8177%5,482
Total domestic deposits to total assets83.7281%3,307
Equity capital to assets11.8940%2,188
Core capital (leverage) ratio12.1326%1,583
Tier 1 risk-based capital ratio25.8481%729
Total risk-based capital ratio26.7737%742
Memoranda:
Average total assets$214,983,5002,814
Average earning assets$202,973,5002,768
Average equity$26,092,5002,653
Average total loans$85,762,5003,689
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7195%5,833
Cost of funding earning assets0.1227%5,742
Net interest margin2.5968%5,667
Noninterest income to average assets0.4553%3,487
Noninterest expense to average assets2.3751%4,415
Loan and lease loss provision to assets-0.1383%5,900
Net operating income to assets0.4957%4,696
Return on assets (ROA)0.4957%4,797
Pretax return on assets0.6669%4,724
Return on Equity (ROE)4.0561%4,890
Retained earnings to average equity (ytd only)3.2864%3,806
Net charge-offs to loans0.0652%2,263
Credit loss provision to net charge-offs-525.0000%4,947
Earnings coverage of net charge-offs (x)20.0714%1,742
Efficiency ratio81.7946%1,292
Assets per employee ($millions)5.1739%2,111
Cash dividends to net income (ytd only)*18.9753%3,231
Condition Ratios (%)
Loss allowance to loans1.1074%3,909
Loan loss allowance to noncurrent loans86.4438%3,983
Noncurrent assets plus other real estate owned to assets0.5200%3,477
Noncurrent loans to loans1.2810%1,775
Net loans and leases to total assets39.1937%5,461
Net loans and leases to deposits46.6498%5,474
Net loans and leases to core deposits48.2545%5,491
Total domestic deposits to total assets84.0170%3,261
Equity capital to assets12.3754%1,848
Core capital (leverage) ratio12.0763%1,574
Tier 1 risk-based capital ratio27.2830%629
Total risk-based capital ratio28.2678%631
Memoranda:
Average total assets$212,621,3302,861
Average earning assets$200,480,6702,807
Average equity$25,985,6702,668
Average total loans$85,887,6703,695
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7536%5,877
Cost of funding earning assets0.1195%5,815
Net interest margin2.6341%5,686
Noninterest income to average assets0.4660%3,362
Noninterest expense to average assets2.3282%4,579
Loan and lease loss provision to assets0.0038%3,621
Net operating income to assets0.4623%4,775
Return on assets (ROA)0.4623%4,858
Pretax return on assets0.6201%4,758
Return on Equity (ROE)3.8062%4,955
Retained earnings to average equity (ytd only)3.8062%3,592
Net charge-offs to loans0.1198%1,394
Credit loss provision to net charge-offs7.6923%2,374
Earnings coverage of net charge-offs (x)12.7692%1,772
Efficiency ratio78.8670%1,770
Assets per employee ($millions)5.3171%2,018
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3247%2,778
Loan loss allowance to noncurrent loans114.9590%3,323
Noncurrent assets plus other real estate owned to assets0.4596%3,750
Noncurrent loans to loans1.1523%2,099
Net loans and leases to total assets38.3379%5,542
Net loans and leases to deposits45.6538%5,525
Net loans and leases to core deposits47.1811%5,546
Total domestic deposits to total assets83.9753%3,531
Equity capital to assets11.9279%2,073
Core capital (leverage) ratio12.3663%1,399
Tier 1 risk-based capital ratio27.0489%668
Total risk-based capital ratio28.2339%659
Memoranda:
Average total assets$212,866,5002,856
Average earning assets$200,900,0002,813
Average equity$25,852,5002,676
Average total loans$86,795,0003,689
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9083%5,804
Cost of funding earning assets0.1278%5,834
Net interest margin2.7805%5,552
Noninterest income to average assets0.6110%2,667
Noninterest expense to average assets2.4555%4,373
Loan and lease loss provision to assets0.0015%4,359
Net operating income to assets0.5956%4,290
Return on assets (ROA)0.6324%4,215
Pretax return on assets0.8241%4,115
Return on Equity (ROE)4.8556%4,577
Retained earnings to average equity (ytd only)0.4435%5,338
Net charge-offs to loans0.0892%2,543
Credit loss provision to net charge-offs3.8462%3,873
Earnings coverage of net charge-offs (x)20.0256%1,906
Efficiency ratio75.9433%2,279
Assets per employee ($millions)5.0666%2,285
Cash dividends to net income (ytd only)*90.8661%589
Condition Ratios (%)
Loss allowance to loans1.2892%2,967
Loan loss allowance to noncurrent loans147.4903%2,847
Noncurrent assets plus other real estate owned to assets0.3740%4,100
Noncurrent loans to loans0.8741%2,604
Net loans and leases to total assets42.2395%5,394
Net loans and leases to deposits50.0322%5,391
Net loans and leases to core deposits51.6971%5,426
Total domestic deposits to total assets84.4246%3,322
Equity capital to assets12.3727%1,686
Core capital (leverage) ratio12.1478%1,531
Tier 1 risk-based capital ratio25.9765%743
Total risk-based capital ratio27.1501%727
Memoranda:
Average total assets$200,818,2002,942
Average earning assets$189,387,6002,898
Average equity$26,155,2002,614
Average total loans$87,452,4003,642
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9285%5,870
Cost of funding earning assets0.1269%5,937
Net interest margin2.8016%5,574
Noninterest income to average assets0.6496%2,487
Noninterest expense to average assets2.4069%4,493
Loan and lease loss provision to assets0.0013%4,216
Net operating income to assets0.7187%3,827
Return on assets (ROA)0.7675%3,690
Pretax return on assets0.9476%3,823
Return on Equity (ROE)5.8167%4,239
Retained earnings to average equity (ytd only)5.3091%2,717
Net charge-offs to loans0.0628%2,692
Credit loss provision to net charge-offs4.8780%3,487
Earnings coverage of net charge-offs (x)32.3631%1,421
Efficiency ratio73.0339%2,710
Assets per employee ($millions)5.1786%2,091
Cash dividends to net income (ytd only)*8.7260%3,617
Condition Ratios (%)
Loss allowance to loans1.3449%2,884
Loan loss allowance to noncurrent loans162.8099%2,652
Noncurrent assets plus other real estate owned to assets0.3794%4,245
Noncurrent loans to loans0.8260%2,905
Net loans and leases to total assets41.8581%5,499
Net loans and leases to deposits50.6200%5,442
Net loans and leases to core deposits52.3587%5,488
Total domestic deposits to total assets82.6909%3,922
Equity capital to assets12.8895%1,515
Core capital (leverage) ratio12.9527%1,219
Tier 1 risk-based capital ratio26.8081%705
Total risk-based capital ratio28.0132%686
Memoranda:
Average total assets$199,089,7502,977
Average earning assets$188,033,0002,935
Average equity$26,268,5002,628
Average total loans$87,092,7503,696
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9896%5,867
Cost of funding earning assets0.1262%6,008
Net interest margin2.8634%5,507
Noninterest income to average assets0.7658%1,926
Noninterest expense to average assets2.3889%4,581
Loan and lease loss provision to assets0.0020%4,042
Net operating income to assets0.8769%3,003
Return on assets (ROA)0.9511%2,745
Pretax return on assets1.1690%2,901
Return on Equity (ROE)7.1503%3,527
Retained earnings to average equity (ytd only)6.7675%1,804
Net charge-offs to loans-0.0530%5,566
Credit loss provision to net charge-offs-8.6957%4,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8784%3,514
Assets per employee ($millions)4.9818%2,298
Cash dividends to net income (ytd only)*5.3533%3,550
Condition Ratios (%)
Loss allowance to loans1.4615%2,452
Loan loss allowance to noncurrent loans217.4520%2,106
Noncurrent assets plus other real estate owned to assets0.3101%4,641
Noncurrent loans to loans0.6721%3,464
Net loans and leases to total assets42.1587%5,494
Net loans and leases to deposits50.8418%5,456
Net loans and leases to core deposits52.8484%5,490
Total domestic deposits to total assets82.9212%3,982
Equity capital to assets13.2749%1,265
Core capital (leverage) ratio13.0567%1,145
Tier 1 risk-based capital ratio28.0481%633
Total risk-based capital ratio29.2996%632
Memoranda:
Average total assets$196,404,6703,030
Average earning assets$185,373,0002,988
Average equity$26,124,6702,646
Average total loans$86,827,3303,718
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0117%5,883
Cost of funding earning assets0.1196%6,118
Net interest margin2.8921%5,472
Noninterest income to average assets1.0689%984
Noninterest expense to average assets2.3655%4,701
Loan and lease loss provision to assets0.0021%3,686
Net operating income to assets1.1844%1,591
Return on assets (ROA)1.3376%1,235
Pretax return on assets1.6146%1,238
Return on Equity (ROE)10.0460%1,984
Retained earnings to average equity (ytd only)10.0460%914
Net charge-offs to loans-0.1096%5,886
Credit loss provision to net charge-offs-4.1667%4,291
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2907%4,754
Assets per employee ($millions)4.8245%2,587
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.4322%2,772
Loan loss allowance to noncurrent loans137.5276%2,970
Noncurrent assets plus other real estate owned to assets0.4995%4,025
Noncurrent loans to loans1.0414%2,680
Net loans and leases to total assets43.3517%5,398
Net loans and leases to deposits52.0732%5,329
Net loans and leases to core deposits53.6004%5,389
Total domestic deposits to total assets83.2515%4,095
Equity capital to assets13.3143%1,254
Core capital (leverage) ratio13.4430%991
Tier 1 risk-based capital ratio27.5780%673
Total risk-based capital ratio28.8291%657
Memoranda:
Average total assets$194,971,5003,059
Average earning assets$183,949,5003,012
Average equity$25,960,5002,676
Average total loans$87,613,0003,711
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2628%5,755
Cost of funding earning assets0.1311%6,193
Net interest margin3.1318%5,124
Noninterest income to average assets0.5706%3,046
Noninterest expense to average assets2.5344%4,436
Loan and lease loss provision to assets0.0770%2,939
Net operating income to assets0.7085%3,845
Return on assets (ROA)0.6979%4,020
Pretax return on assets0.8263%4,161
Return on Equity (ROE)5.2418%4,534
Retained earnings to average equity (ytd only)0.9720%5,341
Net charge-offs to loans0.0674%3,515
Credit loss provision to net charge-offs249.1525%1,024
Earnings coverage of net charge-offs (x)29.6271%1,351
Efficiency ratio73.4548%2,938
Assets per employee ($millions)4.6863%2,747
Cash dividends to net income (ytd only)*81.4565%853
Condition Ratios (%)
Loss allowance to loans1.3839%3,022
Loan loss allowance to noncurrent loans141.1561%2,940
Noncurrent assets plus other real estate owned to assets0.5069%4,112
Noncurrent loans to loans0.9804%2,875
Net loans and leases to total assets45.2836%5,386
Net loans and leases to deposits53.5958%5,362
Net loans and leases to core deposits55.1444%5,437
Total domestic deposits to total assets84.4910%3,514
Equity capital to assets13.3158%1,222
Core capital (leverage) ratio12.6835%1,265
Tier 1 risk-based capital ratio27.2306%666
Total risk-based capital ratio28.4816%645
Memoranda:
Average total assets$190,852,6003,093
Average earning assets$175,492,0003,095
Average equity$25,411,0002,624
Average total loans$87,484,6003,686
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3061%5,759
Cost of funding earning assets0.1292%6,290
Net interest margin3.1769%5,039
Noninterest income to average assets0.6102%2,805
Noninterest expense to average assets2.4954%4,543
Loan and lease loss provision to assets0.0924%2,509
Net operating income to assets0.7802%3,511
Return on assets (ROA)0.7691%3,677
Pretax return on assets0.9174%3,914
Return on Equity (ROE)5.7763%4,349
Retained earnings to average equity (ytd only)4.7251%3,264
Net charge-offs to loans0.0764%3,107
Credit loss provision to net charge-offs264.0000%1,007
Earnings coverage of net charge-offs (x)29.2377%1,393
Efficiency ratio70.9228%3,354
Assets per employee ($millions)4.8152%2,498
Cash dividends to net income (ytd only)*18.1983%3,275
Condition Ratios (%)
Loss allowance to loans1.3840%3,252
Loan loss allowance to noncurrent loans112.6043%3,385
Noncurrent assets plus other real estate owned to assets0.6007%4,047
Noncurrent loans to loans1.2291%2,590
Net loans and leases to total assets44.9477%5,457
Net loans and leases to deposits53.6754%5,416
Net loans and leases to core deposits55.2427%5,491
Total domestic deposits to total assets83.7399%3,859
Equity capital to assets13.5754%1,148
Core capital (leverage) ratio13.5529%978
Tier 1 risk-based capital ratio28.1522%636
Total risk-based capital ratio29.4032%617
Memoranda:
Average total assets$190,530,7503,126
Average earning assets$174,421,7503,130
Average equity$25,367,5002,635
Average total loans$87,298,5003,723
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3526%5,711
Cost of funding earning assets0.1315%6,355
Net interest margin3.2211%4,868
Noninterest income to average assets0.6300%2,653
Noninterest expense to average assets2.4442%4,757
Loan and lease loss provision to assets0.0906%2,514
Net operating income to assets0.8605%3,011
Return on assets (ROA)0.8439%3,207
Pretax return on assets1.0177%3,410
Return on Equity (ROE)6.3805%3,950
Retained earnings to average equity (ytd only)5.1857%2,840
Net charge-offs to loans0.0849%2,840
Credit loss provision to net charge-offs232.4324%1,045
Earnings coverage of net charge-offs (x)28.9459%1,288
Efficiency ratio68.4164%3,934
Assets per employee ($millions)4.4709%2,965
Cash dividends to net income (ytd only)*18.7266%3,219
Condition Ratios (%)
Loss allowance to loans1.3689%3,491
Loan loss allowance to noncurrent loans153.9063%2,661
Noncurrent assets plus other real estate owned to assets0.4644%4,601
Noncurrent loans to loans0.8894%3,478
Net loans and leases to total assets45.3546%5,428
Net loans and leases to deposits54.6202%5,312
Net loans and leases to core deposits56.1755%5,399
Total domestic deposits to total assets83.0364%4,291
Equity capital to assets13.7418%1,067
Core capital (leverage) ratio13.3278%1,040
Tier 1 risk-based capital ratio28.7223%602
Total risk-based capital ratio29.9729%586
Memoranda:
Average total assets$189,839,0003,153
Average earning assets$173,418,3303,156
Average equity$25,107,6702,650
Average total loans$87,135,6703,739
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3414%5,765
Cost of funding earning assets0.1317%6,437
Net interest margin3.2097%4,893
Noninterest income to average assets0.5868%2,811
Noninterest expense to average assets2.5274%4,529
Loan and lease loss provision to assets0.0775%2,591
Net operating income to assets0.7523%3,407
Return on assets (ROA)0.7523%3,490
Pretax return on assets0.8928%3,725
Return on Equity (ROE)5.7998%4,130
Retained earnings to average equity (ytd only)4.9920%3,113
Net charge-offs to loans0.0137%3,327
Credit loss provision to net charge-offs1,233.3333%262
Earnings coverage of net charge-offs (x)154.3333%317
Efficiency ratio72.2588%3,440
Assets per employee ($millions)4.6016%2,814
Cash dividends to net income (ytd only)*13.9276%2,625
Condition Ratios (%)
Loss allowance to loans1.3466%3,868
Loan loss allowance to noncurrent loans101.7437%3,569
Noncurrent assets plus other real estate owned to assets0.6473%4,196
Noncurrent loans to loans1.3236%2,819
Net loans and leases to total assets44.2355%5,487
Net loans and leases to deposits53.1250%5,365
Net loans and leases to core deposits54.7839%5,450
Total domestic deposits to total assets83.2668%4,510
Equity capital to assets12.9861%1,311
Core capital (leverage) ratio13.5729%953
Tier 1 risk-based capital ratio27.4881%681
Total risk-based capital ratio28.7381%667
Memoranda:
Average total assets$190,869,5003,154
Average earning assets$173,099,5003,179
Average equity$24,759,5002,668
Average total loans$87,529,5003,760
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3984%5,840
Cost of funding earning assets0.1456%6,555
Net interest margin3.2528%4,827
Noninterest income to average assets0.4727%3,939
Noninterest expense to average assets2.4322%4,982
Loan and lease loss provision to assets0.0370%4,379
Net operating income to assets0.7608%3,492
Return on assets (ROA)0.7608%3,588
Pretax return on assets0.9676%3,492
Return on Equity (ROE)5.8220%4,195
Retained earnings to average equity (ytd only)2.3062%4,608
Net charge-offs to loans0.2193%2,710
Credit loss provision to net charge-offs37.0370%4,097
Earnings coverage of net charge-offs (x)10.0529%2,428
Efficiency ratio70.7692%3,708
Assets per employee ($millions)4.7118%2,571
Cash dividends to net income (ytd only)*60.3892%1,743
Condition Ratios (%)
Loss allowance to loans1.2817%4,229
Loan loss allowance to noncurrent loans93.6364%3,783
Noncurrent assets plus other real estate owned to assets0.7105%4,117
Noncurrent loans to loans1.3688%2,849
Net loans and leases to total assets46.3021%5,461
Net loans and leases to deposits54.4990%5,428
Net loans and leases to core deposits56.4653%5,497
Total domestic deposits to total assets84.9595%3,770
Equity capital to assets12.9574%1,292
Core capital (leverage) ratio13.2052%1,050
Tier 1 risk-based capital ratio26.6608%718
Total risk-based capital ratio27.8690%700
Memoranda:
Average total assets$189,132,4003,173
Average earning assets$172,344,6003,185
Average equity$24,716,4002,650
Average total loans$86,164,0003,775
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3753%5,934
Cost of funding earning assets0.1476%6,647
Net interest margin3.2277%4,910
Noninterest income to average assets0.4747%3,974
Noninterest expense to average assets2.4821%4,783
Loan and lease loss provision to assets0.0444%4,130
Net operating income to assets0.7170%3,770
Return on assets (ROA)0.7170%3,901
Pretax return on assets0.8903%3,926
Return on Equity (ROE)5.4751%4,477
Retained earnings to average equity (ytd only)4.9373%3,128
Net charge-offs to loans0.1199%3,353
Credit loss provision to net charge-offs81.8182%2,796
Earnings coverage of net charge-offs (x)17.2345%1,743
Efficiency ratio72.6448%3,294
Assets per employee ($millions)4.6576%2,634
Cash dividends to net income (ytd only)*9.8232%3,484
Condition Ratios (%)
Loss allowance to loans1.4464%3,699
Loan loss allowance to noncurrent loans85.4972%3,890
Noncurrent assets plus other real estate owned to assets0.8840%3,913
Noncurrent loans to loans1.6917%2,658
Net loans and leases to total assets45.2779%5,604
Net loans and leases to deposits54.3543%5,502
Net loans and leases to core deposits57.3006%5,510
Total domestic deposits to total assets83.3014%4,463
Equity capital to assets13.3669%1,176
Core capital (leverage) ratio13.5394%1,009
Tier 1 risk-based capital ratio28.1352%623
Total risk-based capital ratio29.3872%610
Memoranda:
Average total assets$189,297,7503,195
Average earning assets$172,542,5003,212
Average equity$24,790,2502,669
Average total loans$85,605,2503,822
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3301%6,036
Cost of funding earning assets0.1475%6,721
Net interest margin3.1826%5,001
Noninterest income to average assets0.4698%4,026
Noninterest expense to average assets2.4814%4,799
Loan and lease loss provision to assets0.0578%3,850
Net operating income to assets0.6758%3,927
Return on assets (ROA)0.6758%4,088
Pretax return on assets0.8324%4,186
Return on Equity (ROE)5.1954%4,620
Retained earnings to average equity (ytd only)4.3874%3,477
Net charge-offs to loans0.1378%3,000
Credit loss provision to net charge-offs93.2203%2,369
Earnings coverage of net charge-offs (x)14.3559%1,829
Efficiency ratio73.5973%3,206
Assets per employee ($millions)4.6891%2,530
Cash dividends to net income (ytd only)*15.5521%3,157
Condition Ratios (%)
Loss allowance to loans1.4958%3,610
Loan loss allowance to noncurrent loans83.3111%3,934
Noncurrent assets plus other real estate owned to assets0.8909%4,010
Noncurrent loans to loans1.7955%2,647
Net loans and leases to total assets43.8157%5,753
Net loans and leases to deposits51.6361%5,716
Net loans and leases to core deposits54.4247%5,717
Total domestic deposits to total assets84.8549%3,962
Equity capital to assets12.9528%1,362
Core capital (leverage) ratio12.6873%1,296
Tier 1 risk-based capital ratio28.3820%609
Total risk-based capital ratio29.6343%599
Memoranda:
Average total assets$190,296,0003,189
Average earning assets$173,507,3303,206
Average equity$24,752,6702,686
Average total loans$85,609,6703,832
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3204%6,113
Cost of funding earning assets0.1409%6,822
Net interest margin3.1795%5,000
Noninterest income to average assets0.4529%4,106
Noninterest expense to average assets2.5962%4,417
Loan and lease loss provision to assets0.1002%3,008
Net operating income to assets0.5635%4,393
Return on assets (ROA)0.5635%4,546
Pretax return on assets0.6762%4,672
Return on Equity (ROE)4.3232%4,933
Retained earnings to average equity (ytd only)2.7220%4,654
Net charge-offs to loans0.0692%3,147
Credit loss provision to net charge-offs320.0000%755
Earnings coverage of net charge-offs (x)24.8000%1,069
Efficiency ratio76.9802%2,767
Assets per employee ($millions)4.8947%2,359
Cash dividends to net income (ytd only)*37.0370%1,924
Condition Ratios (%)
Loss allowance to loans1.4825%3,892
Loan loss allowance to noncurrent loans48.3810%5,232
Noncurrent assets plus other real estate owned to assets1.4551%3,074
Noncurrent loans to loans3.0643%1,631
Net loans and leases to total assets43.6145%5,704
Net loans and leases to deposits51.4611%5,669
Net loans and leases to core deposits53.4890%5,711
Total domestic deposits to total assets84.7524%4,155
Equity capital to assets12.7689%1,550
Core capital (leverage) ratio13.0213%1,106
Tier 1 risk-based capital ratio27.0697%699
Total risk-based capital ratio28.3218%684
Memoranda:
Average total assets$191,661,5003,203
Average earning assets$176,003,0003,198
Average equity$24,981,5002,709
Average total loans$86,699,0003,822
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6994%6,055
Cost of funding earning assets0.2602%6,630
Net interest margin3.4391%4,747
Noninterest income to average assets0.4610%4,166
Noninterest expense to average assets2.3586%5,534
Loan and lease loss provision to assets0.4016%1,615
Net operating income to assets0.6190%4,149
Return on assets (ROA)0.6961%4,011
Pretax return on assets0.9311%3,805
Return on Equity (ROE)5.1985%4,596
Retained earnings to average equity (ytd only)1.6195%5,058
Net charge-offs to loans0.6992%1,692
Credit loss provision to net charge-offs125.2087%2,261
Earnings coverage of net charge-offs (x)3.8347%3,578
Efficiency ratio65.7266%4,556
Assets per employee ($millions)4.6884%2,657
Cash dividends to net income (ytd only)*68.8462%1,418
Condition Ratios (%)
Loss allowance to loans1.4437%3,966
Loan loss allowance to noncurrent loans43.9916%5,434
Noncurrent assets plus other real estate owned to assets1.5176%3,102
Noncurrent loans to loans3.2818%1,563
Net loans and leases to total assets45.5750%5,661
Net loans and leases to deposits53.8829%5,664
Net loans and leases to core deposits55.9590%5,718
Total domestic deposits to total assets84.5815%4,052
Equity capital to assets13.3111%1,311
Core capital (leverage) ratio12.8606%1,171
Tier 1 risk-based capital ratio27.1548%680
Total risk-based capital ratio28.4063%666
Memoranda:
Average total assets$186,760,6003,209
Average earning assets$169,839,8003,229
Average equity$25,007,4002,656
Average total loans$85,675,2003,858
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7698%6,088
Cost of funding earning assets0.2896%6,661
Net interest margin3.4803%4,713
Noninterest income to average assets0.4188%4,488
Noninterest expense to average assets2.3691%5,490
Loan and lease loss provision to assets0.3345%1,957
Net operating income to assets0.6519%4,132
Return on assets (ROA)0.7532%3,932
Pretax return on assets1.0027%3,698
Return on Equity (ROE)5.6170%4,524
Retained earnings to average equity (ytd only)4.6045%3,662
Net charge-offs to loans0.6197%1,780
Credit loss provision to net charge-offs117.8841%2,459
Earnings coverage of net charge-offs (x)4.2368%3,367
Efficiency ratio66.3398%4,386
Assets per employee ($millions)4.2849%3,306
Cash dividends to net income (ytd only)*18.0268%3,136
Condition Ratios (%)
Loss allowance to loans1.3780%4,472
Loan loss allowance to noncurrent loans48.1512%5,223
Noncurrent assets plus other real estate owned to assets1.2910%3,711
Noncurrent loans to loans2.8618%1,966
Net loans and leases to total assets44.4899%5,929
Net loans and leases to deposits53.1354%5,880
Net loans and leases to core deposits55.6293%5,922
Total domestic deposits to total assets83.7293%4,346
Equity capital to assets13.5365%1,334
Core capital (leverage) ratio13.1758%1,120
Tier 1 risk-based capital ratio28.1700%643
Total risk-based capital ratio29.4206%624
Memoranda:
Average total assets$186,567,0003,249
Average earning assets$168,987,0003,277
Average equity$25,018,5002,686
Average total loans$85,413,7503,902
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8686%5,990
Cost of funding earning assets0.3266%6,616
Net interest margin3.5419%4,498
Noninterest income to average assets0.4723%4,117
Noninterest expense to average assets2.4076%5,432
Loan and lease loss provision to assets0.4303%1,516
Net operating income to assets0.6307%4,224
Return on assets (ROA)0.7832%3,722
Pretax return on assets1.0457%3,538
Return on Equity (ROE)5.8589%4,389
Retained earnings to average equity (ytd only)4.3298%3,736
Net charge-offs to loans0.8698%1,268
Credit loss provision to net charge-offs107.5269%2,536
Earnings coverage of net charge-offs (x)3.1801%3,467
Efficiency ratio65.4195%4,645
Assets per employee ($millions)4.1507%3,562
Cash dividends to net income (ytd only)*26.0989%2,771
Condition Ratios (%)
Loss allowance to loans1.3176%4,815
Loan loss allowance to noncurrent loans154.6575%2,170
Noncurrent assets plus other real estate owned to assets0.5664%5,343
Noncurrent loans to loans0.8520%4,814
Net loans and leases to total assets45.2693%5,899
Net loans and leases to deposits54.1066%5,854
Net loans and leases to core deposits56.9498%5,864
Total domestic deposits to total assets83.6669%4,461
Equity capital to assets13.4372%1,326
Core capital (leverage) ratio13.0424%1,138
Tier 1 risk-based capital ratio27.6758%672
Total risk-based capital ratio28.9263%657
Memoranda:
Average total assets$185,911,0003,265
Average earning assets$168,383,3303,288
Average equity$24,851,0002,689
Average total loans$85,534,6703,924
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0091%5,729
Cost of funding earning assets0.3770%6,517
Net interest margin3.6321%4,119
Noninterest income to average assets0.4831%4,036
Noninterest expense to average assets2.5081%5,123
Loan and lease loss provision to assets0.1466%3,530
Net operating income to assets0.8066%3,344
Return on assets (ROA)0.8066%3,585
Pretax return on assets1.1322%3,190
Return on Equity (ROE)6.0499%4,264
Retained earnings to average equity (ytd only)4.5941%3,815
Net charge-offs to loans0.2481%2,686
Credit loss provision to net charge-offs128.3019%1,888
Earnings coverage of net charge-offs (x)11.1887%1,693
Efficiency ratio66.2301%4,516
Assets per employee ($millions)4.2974%3,400
Cash dividends to net income (ytd only)*24.0642%2,237
Condition Ratios (%)
Loss allowance to loans1.2989%5,027
Loan loss allowance to noncurrent loans112.2736%2,770
Noncurrent assets plus other real estate owned to assets0.6992%5,149
Noncurrent loans to loans1.1569%4,396
Net loans and leases to total assets44.8489%5,910
Net loans and leases to deposits53.5741%5,852
Net loans and leases to core deposits56.4281%5,870
Total domestic deposits to total assets83.7138%4,630
Equity capital to assets13.1342%1,385
Core capital (leverage) ratio12.9862%1,134
Tier 1 risk-based capital ratio26.7680%747
Total risk-based capital ratio27.9968%737
Memoranda:
Average total assets$185,476,5003,289
Average earning assets$168,718,0003,306
Average equity$24,727,5002,691
Average total loans$85,460,5003,956
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3605%5,572
Cost of funding earning assets0.6120%6,035
Net interest margin3.7485%4,090
Noninterest income to average assets0.4529%4,191
Noninterest expense to average assets2.5245%5,383
Loan and lease loss provision to assets0.1842%4,351
Net operating income to assets0.7749%3,152
Return on assets (ROA)0.7749%3,318
Pretax return on assets1.0878%2,883
Return on Equity (ROE)5.6644%4,045
Retained earnings to average equity (ytd only)1.4161%5,189
Net charge-offs to loans0.2718%4,073
Credit loss provision to net charge-offs137.0833%2,172
Earnings coverage of net charge-offs (x)9.4667%1,977
Efficiency ratio66.4946%4,660
Assets per employee ($millions)4.1333%3,582
Cash dividends to net income (ytd only)*75.0000%951
Condition Ratios (%)
Loss allowance to loans1.2953%4,927
Loan loss allowance to noncurrent loans93.6224%3,217
Noncurrent assets plus other real estate owned to assets0.8270%4,974
Noncurrent loans to loans1.3835%4,071
Net loans and leases to total assets46.1332%6,003
Net loans and leases to deposits54.9907%5,980
Net loans and leases to core deposits57.4271%6,048
Total domestic deposits to total assets83.8926%4,360
Equity capital to assets13.5374%1,246
Core capital (leverage) ratio12.9845%1,148
Tier 1 risk-based capital ratio26.8608%719
Total risk-based capital ratio28.0917%698
Memoranda:
Average total assets$178,612,2003,357
Average earning assets$159,317,8003,420
Average equity$24,433,4002,628
Average total loans$88,306,2003,902
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4967%5,263
Cost of funding earning assets0.6542%6,013
Net interest margin3.8425%3,654
Noninterest income to average assets0.4492%4,301
Noninterest expense to average assets2.5234%5,385
Loan and lease loss provision to assets0.1657%4,403
Net operating income to assets0.8309%3,016
Return on assets (ROA)0.8309%3,180
Pretax return on assets1.1736%2,724
Return on Equity (ROE)6.0578%3,998
Retained earnings to average equity (ytd only)4.7894%3,320
Net charge-offs to loans0.2393%3,927
Credit loss provision to net charge-offs138.1250%2,309
Earnings coverage of net charge-offs (x)11.1624%1,835
Efficiency ratio65.3271%4,839
Assets per employee ($millions)4.1107%3,620
Cash dividends to net income (ytd only)*20.9389%2,886
Condition Ratios (%)
Loss allowance to loans1.2493%5,253
Loan loss allowance to noncurrent loans135.1385%2,237
Noncurrent assets plus other real estate owned to assets0.6535%5,503
Noncurrent loans to loans0.9244%5,034
Net loans and leases to total assets46.8942%6,063
Net loans and leases to deposits56.6164%5,970
Net loans and leases to core deposits59.2347%6,042
Total domestic deposits to total assets82.8279%4,751
Equity capital to assets13.9316%1,184
Core capital (leverage) ratio13.6590%991
Tier 1 risk-based capital ratio27.5825%691
Total risk-based capital ratio28.7877%680
Memoranda:
Average total assets$177,798,5003,384
Average earning assets$157,947,2503,466
Average equity$24,386,7502,639
Average total loans$89,132,2503,925
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6858%4,596
Cost of funding earning assets0.6986%5,973
Net interest margin3.9871%2,902
Noninterest income to average assets0.4469%4,307
Noninterest expense to average assets2.5999%5,181
Loan and lease loss provision to assets0.1663%4,269
Net operating income to assets0.8429%2,890
Return on assets (ROA)0.8429%2,986
Pretax return on assets1.1868%2,534
Return on Equity (ROE)6.1784%3,868
Retained earnings to average equity (ytd only)4.3290%3,440
Net charge-offs to loans0.3170%3,287
Credit loss provision to net charge-offs102.7972%3,009
Earnings coverage of net charge-offs (x)8.3636%2,075
Efficiency ratio65.7699%4,916
Assets per employee ($millions)4.1049%3,540
Cash dividends to net income (ytd only)*29.9329%2,483
Condition Ratios (%)
Loss allowance to loans1.1760%5,645
Loan loss allowance to noncurrent loans169.0516%1,776
Noncurrent assets plus other real estate owned to assets0.5642%5,797
Noncurrent loans to loans0.6956%5,516
Net loans and leases to total assets47.2710%6,126
Net loans and leases to deposits56.7936%6,067
Net loans and leases to core deposits59.1357%6,177
Total domestic deposits to total assets83.2329%4,655
Equity capital to assets13.6583%1,219
Core capital (leverage) ratio13.4064%1,023
Tier 1 risk-based capital ratio26.6307%748
Total risk-based capital ratio27.7486%745
Memoranda:
Average total assets$176,775,0003,420
Average earning assets$155,450,0003,533
Average equity$24,116,3302,650
Average total loans$90,213,0003,932
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6555%4,721
Cost of funding earning assets0.7506%5,855
Net interest margin3.9050%3,112
Noninterest income to average assets0.5399%3,581
Noninterest expense to average assets2.7246%4,737
Loan and lease loss provision to assets0.1693%3,932
Net operating income to assets0.7526%3,261
Return on assets (ROA)0.7526%3,326
Pretax return on assets1.0500%2,946
Return on Equity (ROE)5.5201%4,155
Retained earnings to average equity (ytd only)4.8826%3,263
Net charge-offs to loans0.2171%3,217
Credit loss provision to net charge-offs148.0000%1,928
Earnings coverage of net charge-offs (x)10.6600%1,617
Efficiency ratio69.0835%4,455
Assets per employee ($millions)4.0452%3,747
Cash dividends to net income (ytd only)*11.5502%2,353
Condition Ratios (%)
Loss allowance to loans1.1266%5,951
Loan loss allowance to noncurrent loans53.2374%4,824
Noncurrent assets plus other real estate owned to assets1.1984%4,559
Noncurrent loans to loans2.1162%3,424
Net loans and leases to total assets51.0829%5,706
Net loans and leases to deposits61.2496%5,595
Net loans and leases to core deposits63.8067%5,748
Total domestic deposits to total assets83.4012%4,745
Equity capital to assets13.5121%1,180
Core capital (leverage) ratio13.4151%991
Tier 1 risk-based capital ratio24.7443%905
Total risk-based capital ratio25.8136%904
Memoranda:
Average total assets$174,854,5003,469
Average earning assets$152,421,0003,601
Average equity$23,840,0002,659
Average total loans$92,122,0003,924
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9963%4,579
Cost of funding earning assets0.9345%6,010
Net interest margin4.0618%2,738
Noninterest income to average assets0.5534%3,795
Noninterest expense to average assets2.7232%4,884
Loan and lease loss provision to assets0.2899%4,479
Net operating income to assets0.7938%2,832
Return on assets (ROA)0.7938%2,968
Pretax return on assets1.1332%2,450
Return on Equity (ROE)5.7038%3,733
Retained earnings to average equity (ytd only)1.1697%4,961
Net charge-offs to loans0.6258%3,148
Credit loss provision to net charge-offs83.1683%5,431
Earnings coverage of net charge-offs (x)4.0825%3,074
Efficiency ratio65.6770%5,030
Assets per employee ($millions)3.8160%4,218
Cash dividends to net income (ytd only)*79.4928%868
Condition Ratios (%)
Loss allowance to loans1.0977%5,955
Loan loss allowance to noncurrent loans51.1875%4,939
Noncurrent assets plus other real estate owned to assets1.2614%4,511
Noncurrent loans to loans2.1444%3,375
Net loans and leases to total assets53.1522%5,761
Net loans and leases to deposits63.2996%5,708
Net loans and leases to core deposits66.2003%5,855
Total domestic deposits to total assets83.9693%4,374
Equity capital to assets13.7608%1,111
Core capital (leverage) ratio13.1115%1,092
Tier 1 risk-based capital ratio24.0221%932
Total risk-based capital ratio25.0497%933
Memoranda:
Average total assets$173,842,0003,470
Average earning assets$153,774,6003,576
Average equity$24,194,4002,639
Average total loans$96,830,4003,876
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9927%4,853
Cost of funding earning assets0.9501%6,175
Net interest margin4.0426%2,894
Noninterest income to average assets0.5452%3,825
Noninterest expense to average assets2.7465%4,695
Loan and lease loss provision to assets0.2149%4,918
Net operating income to assets0.8342%2,864
Return on assets (ROA)0.8342%2,995
Pretax return on assets1.1951%2,507
Return on Equity (ROE)5.9774%3,823
Retained earnings to average equity (ytd only)4.8652%3,074
Net charge-offs to loans0.5090%3,256
Credit loss provision to net charge-offs75.1337%5,275
Earnings coverage of net charge-offs (x)4.9305%2,896
Efficiency ratio66.0780%4,840
Assets per employee ($millions)3.9033%4,030
Cash dividends to net income (ytd only)*18.6068%3,029
Condition Ratios (%)
Loss allowance to loans1.0887%5,988
Loan loss allowance to noncurrent loans45.6658%5,229
Noncurrent assets plus other real estate owned to assets1.3862%4,389
Noncurrent loans to loans2.3840%3,252
Net loans and leases to total assets51.7146%6,133
Net loans and leases to deposits62.3411%6,084
Net loans and leases to core deposits65.3170%6,179
Total domestic deposits to total assets82.9541%4,607
Equity capital to assets13.8456%1,225
Core capital (leverage) ratio13.6569%1,008
Tier 1 risk-based capital ratio24.2059%924
Total risk-based capital ratio25.2245%923
Memoranda:
Average total assets$174,372,5003,506
Average earning assets$155,769,2503,577
Average equity$24,335,5002,670
Average total loans$97,966,5003,916
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1398%4,252
Cost of funding earning assets0.9771%6,250
Net interest margin4.1626%2,284
Noninterest income to average assets0.5561%3,658
Noninterest expense to average assets2.7513%4,698
Loan and lease loss provision to assets0.1703%5,172
Net operating income to assets0.9279%2,445
Return on assets (ROA)0.9279%2,542
Pretax return on assets1.3357%1,992
Return on Equity (ROE)6.6306%3,473
Retained earnings to average equity (ytd only)4.9999%2,899
Net charge-offs to loans0.4430%3,207
Credit loss provision to net charge-offs66.8182%5,054
Earnings coverage of net charge-offs (x)5.9091%2,572
Efficiency ratio64.6259%5,224
Assets per employee ($millions)3.7623%4,315
Cash dividends to net income (ytd only)*24.5943%2,723
Condition Ratios (%)
Loss allowance to loans1.0933%5,977
Loan loss allowance to noncurrent loans55.3372%4,615
Noncurrent assets plus other real estate owned to assets1.2533%4,646
Noncurrent loans to loans1.9756%3,756
Net loans and leases to total assets54.4702%5,919
Net loans and leases to deposits65.6056%5,860
Net loans and leases to core deposits69.0739%5,965
Total domestic deposits to total assets83.0268%4,563
Equity capital to assets14.1408%1,122
Core capital (leverage) ratio13.8701%959
Tier 1 risk-based capital ratio23.1590%1,045
Total risk-based capital ratio24.1644%1,057
Memoranda:
Average total assets$172,646,3303,559
Average earning assets$153,508,0003,647
Average equity$24,160,6702,677
Average total loans$99,330,0003,921
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2787%3,653
Cost of funding earning assets0.9775%6,480
Net interest margin4.3012%1,689
Noninterest income to average assets0.5521%3,638
Noninterest expense to average assets2.7674%4,618
Loan and lease loss provision to assets0.1717%4,808
Net operating income to assets0.9859%2,239
Return on assets (ROA)0.9859%2,299
Pretax return on assets1.4405%1,667
Return on Equity (ROE)7.0820%3,306
Retained earnings to average equity (ytd only)7.0820%2,103
Net charge-offs to loans0.1026%4,395
Credit loss provision to net charge-offs284.6154%1,387
Earnings coverage of net charge-offs (x)26.7308%947
Efficiency ratio63.1886%5,626
Assets per employee ($millions)3.4734%5,088
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1649%5,684
Loan loss allowance to noncurrent loans65.8550%4,066
Noncurrent assets plus other real estate owned to assets1.2308%4,714
Noncurrent loans to loans1.7689%4,097
Net loans and leases to total assets59.1840%5,259
Net loans and leases to deposits70.4035%5,283
Net loans and leases to core deposits73.2487%5,584
Total domestic deposits to total assets84.0641%4,115
Equity capital to assets14.4862%1,008
Core capital (leverage) ratio13.5676%1,065
Tier 1 risk-based capital ratio20.8996%1,355
Total risk-based capital ratio21.9199%1,374
Memoranda:
Average total assets$172,436,0003,621
Average earning assets$153,445,5003,699
Average equity$24,004,5002,719
Average total loans$101,339,0003,913
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4486%4,444
Cost of funding earning assets1.2857%6,357
Net interest margin4.1629%2,202
Noninterest income to average assets0.6417%3,346
Noninterest expense to average assets2.8052%4,959
Loan and lease loss provision to assets0.3642%4,615
Net operating income to assets0.8485%2,353
Return on assets (ROA)0.8473%2,445
Pretax return on assets1.2242%1,893
Return on Equity (ROE)6.1263%3,164
Retained earnings to average equity (ytd only)1.9687%3,723
Net charge-offs to loans0.5556%3,558
Credit loss provision to net charge-offs109.3103%5,049
Earnings coverage of net charge-offs (x)4.7724%2,826
Efficiency ratio63.8217%5,811
Assets per employee ($millions)3.7114%4,493
Cash dividends to net income (ytd only)*67.8644%1,657
Condition Ratios (%)
Loss allowance to loans1.0842%5,977
Loan loss allowance to noncurrent loans59.8818%4,395
Noncurrent assets plus other real estate owned to assets1.1215%4,847
Noncurrent loans to loans1.8106%3,914
Net loans and leases to total assets57.1020%5,803
Net loans and leases to deposits67.2044%5,920
Net loans and leases to core deposits82.2494%5,891
Total domestic deposits to total assets84.9676%3,561
Equity capital to assets13.3917%1,365
Core capital (leverage) ratio13.3334%1,145
Tier 1 risk-based capital ratio20.4840%1,374
Total risk-based capital ratio21.4601%1,386
Memoranda:
Average total assets$174,072,4003,530
Average earning assets$156,957,0003,579
Average equity$24,076,4002,717
Average total loans$104,387,2003,825
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6160%3,769
Cost of funding earning assets1.3693%6,337
Net interest margin4.2467%1,882
Noninterest income to average assets0.6518%3,337
Noninterest expense to average assets2.7813%4,967
Loan and lease loss provision to assets0.3382%4,305
Net operating income to assets0.9523%2,226
Return on assets (ROA)0.9507%2,291
Pretax return on assets1.3722%1,765
Return on Equity (ROE)6.8181%3,155
Retained earnings to average equity (ytd only)6.8181%1,583
Net charge-offs to loans0.5727%2,960
Credit loss provision to net charge-offs97.5556%5,234
Earnings coverage of net charge-offs (x)4.9400%2,962
Efficiency ratio61.8893%6,138
Assets per employee ($millions)3.5039%4,916
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.0150%6,188
Loan loss allowance to noncurrent loans65.5840%4,042
Noncurrent assets plus other real estate owned to assets0.9519%5,156
Noncurrent loans to loans1.5477%4,320
Net loans and leases to total assets60.8820%5,445
Net loans and leases to deposits73.0845%5,497
Net loans and leases to core deposits90.8635%5,349
Total domestic deposits to total assets83.3036%4,065
Equity capital to assets14.7432%1,079
Core capital (leverage) ratio13.7574%1,154
Tier 1 risk-based capital ratio22.3011%1,187
Total risk-based capital ratio23.2673%1,204
Memoranda:
Average total assets$173,053,5003,576
Average earning assets$156,572,7503,608
Average equity$24,131,2502,730
Average total loans$104,773,7503,859
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6091%4,026
Cost of funding earning assets1.4399%6,352
Net interest margin4.1692%2,098
Noninterest income to average assets0.5805%3,836
Noninterest expense to average assets2.7605%5,129
Loan and lease loss provision to assets0.2118%4,927
Net operating income to assets0.9389%2,316
Return on assets (ROA)0.9389%2,409
Pretax return on assets1.3843%1,771
Return on Equity (ROE)6.8591%3,262
Retained earnings to average equity (ytd only)6.8591%1,637
Net charge-offs to loans0.3669%3,352
Credit loss provision to net charge-offs95.8549%4,742
Earnings coverage of net charge-offs (x)7.2228%2,473
Efficiency ratio63.3640%6,031
Assets per employee ($millions)3.7454%4,221
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0042%6,210
Loan loss allowance to noncurrent loans119.9317%2,462
Noncurrent assets plus other real estate owned to assets0.4884%6,213
Noncurrent loans to loans0.8373%5,547
Net loans and leases to total assets57.7397%6,000
Net loans and leases to deposits68.6151%6,126
Net loans and leases to core deposits83.5433%6,119
Total domestic deposits to total assets84.1502%3,677
Equity capital to assets13.4113%1,525
Core capital (leverage) ratio13.7358%1,204
Tier 1 risk-based capital ratio21.5498%1,324
Total risk-based capital ratio22.5024%1,323
Memoranda:
Average total assets$174,676,0003,561
Average earning assets$158,208,3303,593
Average equity$23,909,6702,763
Average total loans$105,216,6703,887
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8269%3,162
Cost of funding earning assets1.5601%6,197
Net interest margin4.2668%1,683
Noninterest income to average assets0.5926%3,603
Noninterest expense to average assets2.5772%5,542
Loan and lease loss provision to assets0.1627%4,855
Net operating income to assets1.1186%1,899
Return on assets (ROA)1.1201%2,017
Pretax return on assets1.6686%1,251
Return on Equity (ROE)8.0978%3,101
Retained earnings to average equity (ytd only)8.0978%1,775
Net charge-offs to loans0.0380%4,977
Credit loss provision to net charge-offs700.0000%846
Earnings coverage of net charge-offs (x)78.7000%528
Efficiency ratio58.4916%6,627
Assets per employee ($millions)3.6031%4,560
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0722%5,672
Loan loss allowance to noncurrent loans131.2646%2,412
Noncurrent assets plus other real estate owned to assets0.4938%5,988
Noncurrent loans to loans0.8168%5,404
Net loans and leases to total assets59.8026%5,691
Net loans and leases to deposits71.4292%5,814
Net loans and leases to core deposits88.0261%5,736
Total domestic deposits to total assets83.7229%3,832
Equity capital to assets13.9018%1,393
Core capital (leverage) ratio13.4792%1,326
Tier 1 risk-based capital ratio21.3862%1,392
Total risk-based capital ratio22.4048%1,393
Memoranda:
Average total assets$172,123,5003,619
Average earning assets$153,837,5003,682
Average equity$23,809,0002,793
Average total loans$105,396,0003,896
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4111%3,356
Cost of funding earning assets1.9205%6,672
Net interest margin4.4907%1,450
Noninterest income to average assets0.6394%3,558
Noninterest expense to average assets2.8463%4,619
Loan and lease loss provision to assets0.1712%5,193
Net operating income to assets1.0598%2,307
Return on assets (ROA)1.0613%2,208
Pretax return on assets1.5731%1,467
Return on Equity (ROE)7.8364%3,137
Retained earnings to average equity (ytd only)1.7499%4,159
Net charge-offs to loans0.2779%3,544
Credit loss provision to net charge-offs103.8194%5,149
Earnings coverage of net charge-offs (x)10.5660%2,495
Efficiency ratio62.0337%5,947
Assets per employee ($millions)3.5687%4,502
Cash dividends to net income (ytd only)*77.6699%1,815
Condition Ratios (%)
Loss allowance to loans0.9987%6,071
Loan loss allowance to noncurrent loans245.0346%1,613
Noncurrent assets plus other real estate owned to assets0.2598%6,540
Noncurrent loans to loans0.4076%6,121
Net loans and leases to total assets61.4029%5,711
Net loans and leases to deposits72.8327%5,965
Net loans and leases to core deposits89.9853%5,799
Total domestic deposits to total assets84.3069%3,173
Equity capital to assets13.7626%1,511
Core capital (leverage) ratio13.3697%1,426
Tier 1 risk-based capital ratio20.2130%1,582
Total risk-based capital ratio21.1420%1,598
Memoranda:
Average total assets$174,685,8003,481
Average earning assets$153,608,0003,590
Average equity$23,658,8002,770
Average total loans$103,643,0003,859