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Brunswick State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5478%554
Cost of funding earning assets1.0593%55
Net interest margin3.4885%1,773
Noninterest income to average assets0.1263%4,509
Noninterest expense to average assets1.6554%4,356
Loan and lease loss provision to assets0.4835%119
Net operating income to assets1.2389%1,778
Return on assets (ROA)1.2389%1,842
Pretax return on assets1.2802%2,417
Return on Equity (ROE)15.0889%936
Retained earnings to average equity (ytd only)8.3766%1,395
Net charge-offs to loans0.7608%95
Credit loss provision to net charge-offs84.3645%1,925
Earnings coverage of net charge-offs (x)3.0776%2,562
Efficiency ratio48.4163%4,379
Assets per employee ($millions)8.8768%958
Cash dividends to net income (ytd only)*44.4849%1,798
Condition Ratios (%)
Loss allowance to loans1.2633%2,546
Loan loss allowance to noncurrent loans119.1073%3,221
Noncurrent assets plus other real estate owned to assets0.8462%695
Noncurrent loans to loans1.0607%919
Net loans and leases to total assets78.7741%335
Net loans and leases to deposits89.1063%601
Net loans and leases to core deposits103.1579%430
Total domestic deposits to total assets88.4046%1,838
Equity capital to assets8.8519%3,758
Core capital (leverage) ratio8.7688%3,648
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6902%2,954
Memoranda:
Average total assets$155,132,6003,440
Average earning assets$146,422,2003,410
Average equity$12,737,8003,850
Average total loans$116,852,4002,978
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5508%614
Cost of funding earning assets1.0696%62
Net interest margin3.4812%1,922
Noninterest income to average assets0.1272%4,555
Noninterest expense to average assets1.6236%4,438
Loan and lease loss provision to assets0.5762%89
Net operating income to assets1.1763%2,245
Return on assets (ROA)1.1763%2,305
Pretax return on assets1.2113%2,892
Return on Equity (ROE)14.6016%1,226
Retained earnings to average equity (ytd only)8.4558%1,890
Net charge-offs to loans0.9819%66
Credit loss provision to net charge-offs79.0398%1,719
Earnings coverage of net charge-offs (x)2.4520%2,346
Efficiency ratio47.5976%4,399
Assets per employee ($millions)9.1578%844
Cash dividends to net income (ytd only)*42.0900%1,521
Condition Ratios (%)
Loss allowance to loans1.2238%2,873
Loan loss allowance to noncurrent loans110.6876%3,291
Noncurrent assets plus other real estate owned to assets0.8594%813
Noncurrent loans to loans1.1057%1,011
Net loans and leases to total assets76.7797%486
Net loans and leases to deposits86.4846%800
Net loans and leases to core deposits99.9005%590
Total domestic deposits to total assets88.7785%1,413
Equity capital to assets8.4139%4,263
Core capital (leverage) ratio8.1355%4,357
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4314%3,047
Memoranda:
Average total assets$156,189,5003,462
Average earning assets$147,339,0003,438
Average equity$12,582,7503,927
Average total loans$115,966,7503,030
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5975%631
Cost of funding earning assets1.0913%69
Net interest margin3.5061%1,844
Noninterest income to average assets0.1164%4,619
Noninterest expense to average assets1.5720%4,547
Loan and lease loss provision to assets0.5116%104
Net operating income to assets1.3009%1,868
Return on assets (ROA)1.3009%1,937
Pretax return on assets1.3367%2,529
Return on Equity (ROE)16.3891%881
Retained earnings to average equity (ytd only)7.0423%2,415
Net charge-offs to loans1.0133%78
Credit loss provision to net charge-offs69.0846%1,525
Earnings coverage of net charge-offs (x)2.4957%2,120
Efficiency ratio45.9611%4,514
Assets per employee ($millions)9.9429%621
Cash dividends to net income (ytd only)*57.0305%1,019
Condition Ratios (%)
Loss allowance to loans1.2458%2,698
Loan loss allowance to noncurrent loans61.6570%3,820
Noncurrent assets plus other real estate owned to assets1.4210%420
Noncurrent loans to loans2.0206%482
Net loans and leases to total assets69.4534%1,269
Net loans and leases to deposits80.6941%1,361
Net loans and leases to core deposits93.0791%951
Total domestic deposits to total assets86.0699%2,717
Equity capital to assets7.5430%4,723
Core capital (leverage) ratio8.0843%4,358
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4451%3,043
Memoranda:
Average total assets$156,358,3333,466
Average earning assets$147,342,0003,449
Average equity$12,410,6673,950
Average total loans$114,284,3333,065
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9274%395
Cost of funding earning assets1.1813%59
Net interest margin3.7460%1,241
Noninterest income to average assets0.1226%4,583
Noninterest expense to average assets1.5731%4,573
Loan and lease loss provision to assets0.8665%50
Net operating income to assets1.1545%2,319
Return on assets (ROA)1.1545%2,386
Pretax return on assets1.1918%2,866
Return on Equity (ROE)14.1492%1,404
Retained earnings to average equity (ytd only)-4.8035%4,692
Net charge-offs to loans1.9645%37
Credit loss provision to net charge-offs59.0909%1,277
Earnings coverage of net charge-offs (x)1.4036%1,850
Efficiency ratio43.3186%4,612
Assets per employee ($millions)9.4933%701
Cash dividends to net income (ytd only)*133.9492%269
Condition Ratios (%)
Loss allowance to loans1.2946%2,464
Loan loss allowance to noncurrent loans69.2902%3,725
Noncurrent assets plus other real estate owned to assets1.3635%503
Noncurrent loans to loans1.8683%605
Net loans and leases to total assets72.0341%1,021
Net loans and leases to deposits84.8361%1,063
Net loans and leases to core deposits100.5643%690
Total domestic deposits to total assets84.9097%3,137
Equity capital to assets7.9965%4,492
Core capital (leverage) ratio8.0815%4,506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8772%2,950
Memoranda:
Average total assets$150,022,5003,530
Average earning assets$140,521,5003,511
Average equity$12,241,0003,973
Average total loans$111,987,5003,100
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9924%497
Cost of funding earning assets1.4896%88
Net interest margin3.5028%2,470
Noninterest income to average assets0.1825%4,373
Noninterest expense to average assets1.7217%4,594
Loan and lease loss provision to assets0.8807%133
Net operating income to assets0.8552%2,882
Return on assets (ROA)0.8552%3,021
Pretax return on assets0.8736%3,440
Return on Equity (ROE)10.3392%1,869
Retained earnings to average equity (ytd only)8.4070%936
Net charge-offs to loans1.0290%126
Credit loss provision to net charge-offs104.9069%2,770
Earnings coverage of net charge-offs (x)2.0897%3,203
Efficiency ratio49.5300%4,561
Assets per employee ($millions)9.2596%678
Cash dividends to net income (ytd only)*18.6877%3,295
Condition Ratios (%)
Loss allowance to loans1.4674%1,700
Loan loss allowance to noncurrent loans96.5678%3,383
Noncurrent assets plus other real estate owned to assets1.1603%765
Noncurrent loans to loans1.5195%872
Net loans and leases to total assets75.2371%876
Net loans and leases to deposits89.1008%997
Net loans and leases to core deposits104.0523%721
Total domestic deposits to total assets84.4404%2,971
Equity capital to assets8.3265%4,562
Core capital (leverage) ratio8.3620%4,341
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6548%2,998
Memoranda:
Average total assets$140,792,6003,498
Average earning assets$132,381,4003,479
Average equity$11,645,0004,010
Average total loans$114,867,4003,037
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1181%481
Cost of funding earning assets1.5421%102
Net interest margin3.5761%2,344
Noninterest income to average assets0.1957%4,302
Noninterest expense to average assets1.7512%4,562
Loan and lease loss provision to assets1.1176%103
Net operating income to assets0.6851%3,506
Return on assets (ROA)0.6851%3,613
Pretax return on assets0.7024%3,892
Return on Equity (ROE)8.2981%2,688
Retained earnings to average equity (ytd only)6.8453%1,765
Net charge-offs to loans1.3483%91
Credit loss provision to net charge-offs99.9142%2,645
Earnings coverage of net charge-offs (x)1.6269%3,059
Efficiency ratio49.0328%4,552
Assets per employee ($millions)8.8654%726
Cash dividends to net income (ytd only)*17.5070%2,898
Condition Ratios (%)
Loss allowance to loans1.3830%1,804
Loan loss allowance to noncurrent loans92.9733%3,365
Noncurrent assets plus other real estate owned to assets1.2140%816
Noncurrent loans to loans1.4875%969
Net loans and leases to total assets80.4832%565
Net loans and leases to deposits97.1236%681
Net loans and leases to core deposits114.7309%532
Total domestic deposits to total assets82.8668%3,177
Equity capital to assets8.4062%4,515
Core capital (leverage) ratio8.1718%4,554
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.1269%3,078
Memoranda:
Average total assets$138,952,5003,515
Average earning assets$131,164,0003,485
Average equity$11,472,2504,042
Average total loans$115,302,7503,038
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1773%598
Cost of funding earning assets1.5952%117
Net interest margin3.5822%2,540
Noninterest income to average assets0.2116%4,219
Noninterest expense to average assets1.7581%4,616
Loan and lease loss provision to assets0.1812%2,211
Net operating income to assets1.6451%683
Return on assets (ROA)1.6451%744
Pretax return on assets1.6509%1,103
Return on Equity (ROE)20.0501%243
Retained earnings to average equity (ytd only)20.0501%92
Net charge-offs to loans0.0729%1,521
Credit loss provision to net charge-offs297.6190%1,629
Earnings coverage of net charge-offs (x)30.0952%1,435
Efficiency ratio48.9705%4,559
Assets per employee ($millions)9.0462%671
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.4379%1,453
Loan loss allowance to noncurrent loans43.4839%4,167
Noncurrent assets plus other real estate owned to assets2.6772%198
Noncurrent loans to loans3.3068%259
Net loans and leases to total assets79.7981%613
Net loans and leases to deposits95.8840%805
Net loans and leases to core deposits115.4355%553
Total domestic deposits to total assets83.2236%3,023
Equity capital to assets8.2576%4,608
Core capital (leverage) ratio8.3332%4,534
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.8821%3,172
Memoranda:
Average total assets$137,987,6673,503
Average earning assets$130,144,0003,468
Average equity$11,321,6674,068
Average total loans$115,149,0003,033
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6425%275
Cost of funding earning assets1.6532%155
Net interest margin3.9893%1,422
Noninterest income to average assets0.2645%3,952
Noninterest expense to average assets1.7443%4,731
Loan and lease loss provision to assets0.1486%1,905
Net operating income to assets2.0801%235
Return on assets (ROA)2.0801%258
Pretax return on assets2.1217%358
Return on Equity (ROE)25.4395%60
Retained earnings to average equity (ytd only)25.4395%28
Net charge-offs to loans0.0946%1,125
Credit loss provision to net charge-offs185.1852%1,462
Earnings coverage of net charge-offs (x)28.2963%1,213
Efficiency ratio43.4493%4,899
Assets per employee ($millions)8.3994%644
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4044%1,679
Loan loss allowance to noncurrent loans56.9376%3,969
Noncurrent assets plus other real estate owned to assets2.1237%365
Noncurrent loans to loans2.4666%494
Net loans and leases to total assets84.8888%207
Net loans and leases to deposits98.4603%663
Net loans and leases to core deposits118.7266%507
Total domestic deposits to total assets86.2162%1,912
Equity capital to assets8.3689%4,875
Core capital (leverage) ratio8.4941%4,798
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.4694%3,376
Memoranda:
Average total assets$134,612,0003,527
Average earning assets$126,539,0003,488
Average equity$11,006,5004,119
Average total loans$114,131,5003,026
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7651%349
Cost of funding earning assets1.6430%252
Net interest margin4.1221%1,480
Noninterest income to average assets0.2780%4,019
Noninterest expense to average assets1.7344%4,843
Loan and lease loss provision to assets0.3817%389
Net operating income to assets1.9965%358
Return on assets (ROA)2.1100%281
Pretax return on assets2.1502%426
Return on Equity (ROE)22.5880%127
Retained earnings to average equity (ytd only)4.5484%2,684
Net charge-offs to loans0.2886%727
Credit loss provision to net charge-offs157.5000%1,637
Earnings coverage of net charge-offs (x)9.9688%2,611
Efficiency ratio41.7883%5,031
Assets per employee ($millions)8.5558%581
Cash dividends to net income (ytd only)*79.8636%800
Condition Ratios (%)
Loss allowance to loans1.3941%1,542
Loan loss allowance to noncurrent loans90.2770%3,431
Noncurrent assets plus other real estate owned to assets1.2923%860
Noncurrent loans to loans1.5443%926
Net loans and leases to total assets82.5126%489
Net loans and leases to deposits96.6303%875
Net loans and leases to core deposits115.6605%614
Total domestic deposits to total assets85.3900%2,351
Equity capital to assets9.3686%4,448
Core capital (leverage) ratio9.7404%3,802
Tier 1 risk-based capital ratio10.2363%5,085
Total risk-based capital ratio11.4864%5,024
Memoranda:
Average total assets$132,036,6003,537
Average earning assets$124,038,6003,504
Average equity$12,334,0003,953
Average total loans$110,887,6003,071
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7264%398
Cost of funding earning assets1.6449%251
Net interest margin4.0815%1,668
Noninterest income to average assets0.2711%4,117
Noninterest expense to average assets1.7112%4,910
Loan and lease loss provision to assets0.4760%255
Net operating income to assets1.8883%504
Return on assets (ROA)2.0271%392
Pretax return on assets2.0669%593
Return on Equity (ROE)21.7171%176
Retained earnings to average equity (ytd only)4.7933%2,993
Net charge-offs to loans0.1055%1,413
Credit loss provision to net charge-offs536.7816%593
Earnings coverage of net charge-offs (x)27.0797%1,724
Efficiency ratio41.6109%5,090
Assets per employee ($millions)8.1323%662
Cash dividends to net income (ytd only)*77.9289%716
Condition Ratios (%)
Loss allowance to loans1.5625%1,081
Loan loss allowance to noncurrent loans87.9784%3,521
Noncurrent assets plus other real estate owned to assets1.5663%678
Noncurrent loans to loans1.7760%810
Net loans and leases to total assets86.8133%143
Net loans and leases to deposits103.1392%446
Net loans and leases to core deposits125.2764%383
Total domestic deposits to total assets84.1710%2,760
Equity capital to assets9.7820%4,226
Core capital (leverage) ratio9.8660%3,771
Tier 1 risk-based capital ratio10.2317%5,144
Total risk-based capital ratio11.4845%5,070
Memoranda:
Average total assets$130,822,5003,588
Average earning assets$123,122,5003,555
Average equity$12,211,2504,006
Average total loans$109,971,7503,127
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5705%498
Cost of funding earning assets1.6101%258
Net interest margin3.9604%2,057
Noninterest income to average assets0.2594%4,201
Noninterest expense to average assets1.7031%4,975
Loan and lease loss provision to assets0.6547%164
Net operating income to assets1.5875%939
Return on assets (ROA)1.6100%925
Pretax return on assets1.6481%1,400
Return on Equity (ROE)17.5264%406
Retained earnings to average equity (ytd only)-1.9935%4,909
Net charge-offs to loans0.0148%2,616
Credit loss provision to net charge-offs5,362.5000%66
Earnings coverage of net charge-offs (x)186.7500%414
Efficiency ratio42.7586%5,100
Assets per employee ($millions)8.5653%544
Cash dividends to net income (ytd only)*111.3744%303
Condition Ratios (%)
Loss allowance to loans1.6845%851
Loan loss allowance to noncurrent loans86.9194%3,540
Noncurrent assets plus other real estate owned to assets1.6423%650
Noncurrent loans to loans1.9380%750
Net loans and leases to total assets83.3140%431
Net loans and leases to deposits96.8977%945
Net loans and leases to core deposits115.9054%689
Total domestic deposits to total assets85.9814%2,042
Equity capital to assets9.4934%4,408
Core capital (leverage) ratio9.3605%4,301
Tier 1 risk-based capital ratio10.2976%5,171
Total risk-based capital ratio11.5512%5,090
Memoranda:
Average total assets$131,058,0003,608
Average earning assets$123,220,6703,578
Average equity$12,039,0004,040
Average total loans$108,378,6703,163
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3225%724
Cost of funding earning assets1.5603%261
Net interest margin3.7622%2,664
Noninterest income to average assets0.2326%4,348
Noninterest expense to average assets1.7520%4,966
Loan and lease loss provision to assets0.1148%1,539
Net operating income to assets1.8910%466
Return on assets (ROA)1.8910%483
Pretax return on assets1.8910%809
Return on Equity (ROE)20.8112%224
Retained earnings to average equity (ytd only)-5.7846%4,966
Net charge-offs to loans0.0296%1,867
Credit loss provision to net charge-offs475.0000%630
Earnings coverage of net charge-offs (x)83.0000%748
Efficiency ratio46.6238%5,001
Assets per employee ($millions)8.7396%520
Cash dividends to net income (ytd only)*127.7955%429
Condition Ratios (%)
Loss allowance to loans1.3440%1,895
Loan loss allowance to noncurrent loans62.1180%4,035
Noncurrent assets plus other real estate owned to assets1.7720%597
Noncurrent loans to loans2.1636%664
Net loans and leases to total assets80.8016%736
Net loans and leases to deposits93.9543%1,183
Net loans and leases to core deposits111.7245%845
Total domestic deposits to total assets86.0009%2,284
Equity capital to assets9.1743%4,555
Core capital (leverage) ratio9.3074%4,355
Tier 1 risk-based capital ratio10.4116%5,193
Total risk-based capital ratio11.6613%5,117
Memoranda:
Average total assets$132,419,5003,628
Average earning assets$124,076,5003,599
Average equity$12,032,0004,051
Average total loans$108,130,5003,195
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6408%304
Cost of funding earning assets1.3472%180
Net interest margin4.2936%1,174
Noninterest income to average assets0.2941%4,139
Noninterest expense to average assets1.7571%5,045
Loan and lease loss provision to assets0.1611%1,269
Net operating income to assets2.4226%165
Return on assets (ROA)2.4226%164
Pretax return on assets2.4226%240
Return on Equity (ROE)26.4393%68
Retained earnings to average equity (ytd only)9.7334%671
Net charge-offs to loans0.0226%2,967
Credit loss provision to net charge-offs833.3333%431
Earnings coverage of net charge-offs (x)133.6250%605
Efficiency ratio40.4788%5,276
Assets per employee ($millions)8.9163%486
Cash dividends to net income (ytd only)*63.1859%1,356
Condition Ratios (%)
Loss allowance to loans1.2976%2,050
Loan loss allowance to noncurrent loans515.6934%1,072
Noncurrent assets plus other real estate owned to assets0.2049%3,800
Noncurrent loans to loans0.2516%3,678
Net loans and leases to total assets80.3611%888
Net loans and leases to deposits92.8528%1,416
Net loans and leases to core deposits110.9140%949
Total domestic deposits to total assets86.5468%1,989
Equity capital to assets9.0000%4,574
Core capital (leverage) ratio9.4250%4,201
Tier 1 risk-based capital ratio10.3592%5,227
Total risk-based capital ratio11.5627%5,153
Memoranda:
Average total assets$124,124,6003,729
Average earning assets$116,987,2003,701
Average equity$11,373,2004,105
Average total loans$106,367,6003,199
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5704%313
Cost of funding earning assets1.2931%167
Net interest margin4.2773%1,167
Noninterest income to average assets0.2958%4,169
Noninterest expense to average assets1.7778%5,058
Loan and lease loss provision to assets0.1785%1,020
Net operating income to assets2.3901%189
Return on assets (ROA)2.3901%189
Pretax return on assets2.3901%286
Return on Equity (ROE)25.9587%70
Retained earnings to average equity (ytd only)10.4929%766
Net charge-offs to loans-0.0050%4,228
Credit loss provision to net charge-offs-4,075.0000%4,827
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9022%5,309
Assets per employee ($millions)8.2969%568
Cash dividends to net income (ytd only)*59.5784%1,219
Condition Ratios (%)
Loss allowance to loans1.2828%2,178
Loan loss allowance to noncurrent loans1,872.0000%349
Noncurrent assets plus other real estate owned to assets0.0603%4,675
Noncurrent loans to loans0.0685%4,574
Net loans and leases to total assets86.8159%198
Net loans and leases to deposits101.4155%680
Net loans and leases to core deposits123.7034%473
Total domestic deposits to total assets85.6042%2,355
Equity capital to assets9.4477%4,127
Core capital (leverage) ratio9.4988%4,175
Tier 1 risk-based capital ratio10.2702%5,304
Total risk-based capital ratio11.4781%5,250
Memoranda:
Average total assets$121,719,5003,801
Average earning assets$115,273,2503,764
Average equity$11,207,2504,173
Average total loans$105,736,5003,235
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4320%365
Cost of funding earning assets1.2180%172
Net interest margin4.2140%1,252
Noninterest income to average assets0.2748%4,352
Noninterest expense to average assets1.7797%5,119
Loan and lease loss provision to assets0.2069%813
Net operating income to assets2.2747%221
Return on assets (ROA)2.2747%216
Pretax return on assets2.2747%346
Return on Equity (ROE)24.9282%87
Retained earnings to average equity (ytd only)5.8783%2,623
Net charge-offs to loans-0.0019%3,941
Credit loss provision to net charge-offs-12,500.0000%4,823
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.7638%5,357
Assets per employee ($millions)8.3939%539
Cash dividends to net income (ytd only)*76.4192%800
Condition Ratios (%)
Loss allowance to loans1.2647%2,351
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets84.5102%406
Net loans and leases to deposits98.2385%953
Net loans and leases to core deposits117.4174%658
Total domestic deposits to total assets86.0256%2,266
Equity capital to assets8.9581%4,594
Core capital (leverage) ratio9.4646%4,149
Tier 1 risk-based capital ratio9.9185%5,448
Total risk-based capital ratio11.1065%5,405
Memoranda:
Average total assets$120,808,3303,845
Average earning assets$114,285,0003,807
Average equity$11,023,6704,229
Average total loans$104,499,0003,257
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3878%341
Cost of funding earning assets1.1845%149
Net interest margin4.2033%1,171
Noninterest income to average assets0.2503%4,504
Noninterest expense to average assets1.8164%5,138
Loan and lease loss provision to assets0.2977%436
Net operating income to assets2.0971%296
Return on assets (ROA)2.0971%297
Pretax return on assets2.0971%469
Return on Equity (ROE)22.7606%136
Retained earnings to average equity (ytd only)-6.6079%5,272
Net charge-offs to loans-0.0039%3,930
Credit loss provision to net charge-offs-8,800.0000%4,506
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.1325%5,370
Assets per employee ($millions)7.9032%643
Cash dividends to net income (ytd only)*129.0323%394
Condition Ratios (%)
Loss allowance to loans1.2539%2,496
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets88.0892%128
Net loans and leases to deposits102.7703%550
Net loans and leases to core deposits136.3041%250
Total domestic deposits to total assets85.7146%2,669
Equity capital to assets9.0748%4,487
Core capital (leverage) ratio9.3770%4,217
Tier 1 risk-based capital ratio9.6392%5,544
Total risk-based capital ratio10.8146%5,534
Memoranda:
Average total assets$118,258,0003,929
Average earning assets$111,436,5003,899
Average equity$10,896,0004,285
Average total loans$102,864,0003,309
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3379%343
Cost of funding earning assets1.0117%201
Net interest margin4.3262%912
Noninterest income to average assets0.2773%4,474
Noninterest expense to average assets1.9814%4,989
Loan and lease loss provision to assets0.3270%512
Net operating income to assets2.0459%254
Return on assets (ROA)2.0652%254
Pretax return on assets2.0652%421
Return on Equity (ROE)21.6101%139
Retained earnings to average equity (ytd only)5.7061%1,704
Net charge-offs to loans0.1093%1,973
Credit loss provision to net charge-offs341.3462%852
Earnings coverage of net charge-offs (x)24.7692%1,742
Efficiency ratio45.5045%5,408
Assets per employee ($millions)8.4263%548
Cash dividends to net income (ytd only)*73.5950%1,079
Condition Ratios (%)
Loss allowance to loans1.2373%2,551
Loan loss allowance to noncurrent loans3,534.2857%226
Noncurrent assets plus other real estate owned to assets0.0297%4,996
Noncurrent loans to loans0.0350%4,854
Net loans and leases to total assets83.6981%480
Net loans and leases to deposits97.9271%911
Net loans and leases to core deposits129.8471%343
Total domestic deposits to total assets85.4698%2,669
Equity capital to assets9.3534%4,374
Core capital (leverage) ratio9.6877%3,828
Tier 1 risk-based capital ratio10.2383%5,466
Total risk-based capital ratio11.3839%5,433
Memoranda:
Average total assets$108,559,8004,088
Average earning assets$102,306,4004,056
Average equity$10,374,8004,394
Average total loans$95,118,0003,433
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3105%334
Cost of funding earning assets0.9937%201
Net interest margin4.3168%884
Noninterest income to average assets0.2749%4,542
Noninterest expense to average assets2.0387%4,877
Loan and lease loss provision to assets0.3528%421
Net operating income to assets1.9571%345
Return on assets (ROA)1.9835%332
Pretax return on assets1.9835%567
Return on Equity (ROE)20.6328%193
Retained earnings to average equity (ytd only)-0.9141%5,339
Net charge-offs to loans0.0767%2,047
Credit loss provision to net charge-offs520.3704%612
Earnings coverage of net charge-offs (x)34.0732%1,454
Efficiency ratio46.8822%5,391
Assets per employee ($millions)7.8311%671
Cash dividends to net income (ytd only)*104.4308%265
Condition Ratios (%)
Loss allowance to loans1.2203%2,807
Loan loss allowance to noncurrent loans1,002.4793%598
Noncurrent assets plus other real estate owned to assets0.1104%4,695
Noncurrent loans to loans0.1217%4,573
Net loans and leases to total assets89.5618%98
Net loans and leases to deposits104.7147%462
Net loans and leases to core deposits143.0682%172
Total domestic deposits to total assets85.5294%2,507
Equity capital to assets9.4695%4,472
Core capital (leverage) ratio9.5070%4,158
Tier 1 risk-based capital ratio9.7150%5,648
Total risk-based capital ratio10.8488%5,635
Memoranda:
Average total assets$106,207,7504,176
Average earning assets$100,225,7504,131
Average equity$10,210,0004,461
Average total loans$93,904,0003,485
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2151%387
Cost of funding earning assets0.9625%209
Net interest margin4.2525%968
Noninterest income to average assets0.2779%4,562
Noninterest expense to average assets2.0958%4,779
Loan and lease loss provision to assets0.2151%829
Net operating income to assets1.9702%323
Return on assets (ROA)1.9931%320
Pretax return on assets1.9931%537
Return on Equity (ROE)20.6251%194
Retained earnings to average equity (ytd only)-3.9989%5,489
Net charge-offs to loans0.0130%2,996
Credit loss provision to net charge-offs1,883.3333%223
Earnings coverage of net charge-offs (x)191.3333%426
Efficiency ratio48.9551%5,359
Assets per employee ($millions)7.6704%696
Cash dividends to net income (ytd only)*119.3887%290
Condition Ratios (%)
Loss allowance to loans1.1397%3,371
Loan loss allowance to noncurrent loans8,407.6923%95
Noncurrent assets plus other real estate owned to assets0.0121%5,247
Noncurrent loans to loans0.0136%5,117
Net loans and leases to total assets88.2908%134
Net loans and leases to deposits103.1529%542
Net loans and leases to core deposits136.0228%232
Total domestic deposits to total assets85.5922%2,577
Equity capital to assets9.5543%4,358
Core capital (leverage) ratio9.7149%3,880
Tier 1 risk-based capital ratio9.9641%5,638
Total risk-based capital ratio11.0254%5,645
Memoranda:
Average total assets$105,065,0004,225
Average earning assets$98,906,0004,183
Average equity$10,152,6704,485
Average total loans$92,070,3303,534
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0994%442
Cost of funding earning assets0.9533%211
Net interest margin4.1461%1,105
Noninterest income to average assets0.2733%4,589
Noninterest expense to average assets2.1366%4,781
Loan and lease loss provision to assets0.1694%1,048
Net operating income to assets1.8517%409
Return on assets (ROA)1.8517%422
Pretax return on assets1.8517%719
Return on Equity (ROE)19.0514%284
Retained earnings to average equity (ytd only)-14.6153%5,664
Net charge-offs to loans-0.0044%4,148
Credit loss provision to net charge-offs-4,400.0000%4,691
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.3889%5,296
Assets per employee ($millions)7.3998%792
Cash dividends to net income (ytd only)*176.7152%293
Condition Ratios (%)
Loss allowance to loans1.1207%3,580
Loan loss allowance to noncurrent loans67.4297%4,256
Noncurrent assets plus other real estate owned to assets1.4759%1,104
Noncurrent loans to loans1.6620%1,163
Net loans and leases to total assets87.8066%113
Net loans and leases to deposits103.3717%432
Net loans and leases to core deposits135.9858%203
Total domestic deposits to total assets84.9426%3,112
Equity capital to assets9.5881%4,196
Core capital (leverage) ratio9.7704%3,789
Tier 1 risk-based capital ratio10.1312%5,669
Total risk-based capital ratio11.1659%5,692
Memoranda:
Average total assets$103,904,5004,287
Average earning assets$97,345,0004,250
Average equity$10,099,0004,526
Average total loans$90,153,0003,597
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2819%367
Cost of funding earning assets0.8213%453
Net interest margin4.4606%671
Noninterest income to average assets0.2950%4,630
Noninterest expense to average assets2.0632%5,068
Loan and lease loss provision to assets0.1485%1,675
Net operating income to assets2.2612%210
Return on assets (ROA)2.4196%164
Pretax return on assets2.4196%225
Return on Equity (ROE)23.9158%96
Retained earnings to average equity (ytd only)4.5894%2,649
Net charge-offs to loans0.1773%1,548
Credit loss provision to net charge-offs98.0392%2,642
Earnings coverage of net charge-offs (x)15.9085%2,159
Efficiency ratio46.1266%5,637
Assets per employee ($millions)7.4437%750
Cash dividends to net income (ytd only)*80.8101%880
Condition Ratios (%)
Loss allowance to loans1.1165%3,618
Loan loss allowance to noncurrent loans348.4099%1,438
Noncurrent assets plus other real estate owned to assets0.2716%4,198
Noncurrent loans to loans0.3205%3,997
Net loans and leases to total assets83.7946%403
Net loans and leases to deposits98.6244%767
Net loans and leases to core deposits125.2190%361
Total domestic deposits to total assets84.9633%3,067
Equity capital to assets9.8501%3,881
Core capital (leverage) ratio10.2468%3,175
Tier 1 risk-based capital ratio10.7777%5,447
Total risk-based capital ratio11.7934%5,484
Memoranda:
Average total assets$101,007,8004,337
Average earning assets$94,606,6004,296
Average equity$10,219,2004,534
Average total loans$86,283,0003,656
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2997%368
Cost of funding earning assets0.8132%467
Net interest margin4.4865%651
Noninterest income to average assets0.2874%4,716
Noninterest expense to average assets2.0757%5,055
Loan and lease loss provision to assets0.1743%1,291
Net operating income to assets2.2513%224
Return on assets (ROA)2.4908%163
Pretax return on assets2.4908%222
Return on Equity (ROE)24.4514%92
Retained earnings to average equity (ytd only)3.8793%3,540
Net charge-offs to loans0.2021%1,156
Credit loss provision to net charge-offs100.7692%2,334
Earnings coverage of net charge-offs (x)14.0230%2,263
Efficiency ratio46.1129%5,664
Assets per employee ($millions)6.9416%912
Cash dividends to net income (ytd only)*84.1346%634
Condition Ratios (%)
Loss allowance to loans1.1489%3,544
Loan loss allowance to noncurrent loans292.8994%1,647
Noncurrent assets plus other real estate owned to assets0.3478%4,016
Noncurrent loans to loans0.3922%3,859
Net loans and leases to total assets87.6520%156
Net loans and leases to deposits106.4828%365
Net loans and leases to core deposits132.4718%269
Total domestic deposits to total assets82.3157%3,836
Equity capital to assets10.7499%3,313
Core capital (leverage) ratio10.5194%2,975
Tier 1 risk-based capital ratio10.9121%5,417
Total risk-based capital ratio11.9619%5,427
Memoranda:
Average total assets$100,206,7504,382
Average earning assets$94,116,5004,342
Average equity$10,207,7504,582
Average total loans$85,776,2503,687
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1708%445
Cost of funding earning assets0.7994%497
Net interest margin4.3714%812
Noninterest income to average assets0.2766%4,801
Noninterest expense to average assets1.9938%5,281
Loan and lease loss provision to assets0.2233%928
Net operating income to assets2.1657%241
Return on assets (ROA)2.4008%179
Pretax return on assets2.4008%253
Return on Equity (ROE)23.9929%107
Retained earnings to average equity (ytd only)0.7899%5,065
Net charge-offs to loans0.0677%2,222
Credit loss provision to net charge-offs389.6552%788
Earnings coverage of net charge-offs (x)41.6897%1,126
Efficiency ratio45.4914%5,776
Assets per employee ($millions)7.0228%868
Cash dividends to net income (ytd only)*96.7078%554
Condition Ratios (%)
Loss allowance to loans1.2455%3,098
Loan loss allowance to noncurrent loans100.2806%3,701
Noncurrent assets plus other real estate owned to assets1.0873%1,947
Noncurrent loans to loans1.2420%1,848
Net loans and leases to total assets86.4523%220
Net loans and leases to deposits104.6309%432
Net loans and leases to core deposits130.6993%297
Total domestic deposits to total assets82.6259%3,783
Equity capital to assets10.4914%3,636
Core capital (leverage) ratio10.0394%3,521
Tier 1 risk-based capital ratio10.6121%5,621
Total risk-based capital ratio11.7459%5,586
Memoranda:
Average total assets$101,215,0004,402
Average earning assets$95,072,3304,360
Average equity$10,128,0004,622
Average total loans$85,644,3303,704
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1120%484
Cost of funding earning assets0.7813%538
Net interest margin4.3307%870
Noninterest income to average assets0.2805%4,704
Noninterest expense to average assets1.8507%5,588
Loan and lease loss provision to assets0.3662%403
Net operating income to assets2.1235%267
Return on assets (ROA)2.1235%278
Pretax return on assets2.1235%438
Return on Equity (ROE)21.7250%168
Retained earnings to average equity (ytd only)-9.1684%5,785
Net charge-offs to loans0.0094%2,814
Credit loss provision to net charge-offs4,700.0000%83
Earnings coverage of net charge-offs (x)319.5000%187
Efficiency ratio42.6391%5,903
Assets per employee ($millions)7.2523%795
Cash dividends to net income (ytd only)*142.2018%418
Condition Ratios (%)
Loss allowance to loans1.2831%2,992
Loan loss allowance to noncurrent loans285.9788%1,676
Noncurrent assets plus other real estate owned to assets0.3723%4,086
Noncurrent loans to loans0.4487%3,835
Net loans and leases to total assets81.9121%564
Net loans and leases to deposits97.7171%781
Net loans and leases to core deposits119.6493%475
Total domestic deposits to total assets83.8258%3,585
Equity capital to assets9.7940%4,347
Core capital (leverage) ratio9.7993%3,781
Tier 1 risk-based capital ratio10.4652%5,767
Total risk-based capital ratio11.6238%5,719
Memoranda:
Average total assets$102,663,0004,414
Average earning assets$96,244,0004,376
Average equity$10,034,5004,654
Average total loans$85,431,0003,715
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1408%479
Cost of funding earning assets0.7467%650
Net interest margin4.3942%805
Noninterest income to average assets0.2650%4,976
Noninterest expense to average assets1.9174%5,594
Loan and lease loss provision to assets0.1461%1,622
Net operating income to assets2.3224%197
Return on assets (ROA)2.3627%191
Pretax return on assets2.3627%265
Return on Equity (ROE)23.8691%118
Retained earnings to average equity (ytd only)2.2393%4,444
Net charge-offs to loans-0.0012%4,849
Credit loss provision to net charge-offs-14,500.0000%5,766
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.7170%5,987
Assets per employee ($millions)7.4139%736
Cash dividends to net income (ytd only)*90.6183%593
Condition Ratios (%)
Loss allowance to loans1.1418%3,799
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets82.4951%547
Net loans and leases to deposits98.4433%789
Net loans and leases to core deposits117.8856%545
Total domestic deposits to total assets83.7996%3,564
Equity capital to assets9.7549%4,236
Core capital (leverage) ratio9.8273%3,739
Tier 1 risk-based capital ratio10.4800%5,782
Total risk-based capital ratio11.5170%5,800
Memoranda:
Average total assets$99,251,2004,473
Average earning assets$93,078,0004,449
Average equity$9,824,4004,684
Average total loans$82,132,2003,770
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0952%520
Cost of funding earning assets0.7392%686
Net interest margin4.3559%867
Noninterest income to average assets0.2541%5,122
Noninterest expense to average assets1.9595%5,550
Loan and lease loss provision to assets0.1712%1,235
Net operating income to assets2.2232%245
Return on assets (ROA)2.2585%242
Pretax return on assets2.2585%364
Return on Equity (ROE)22.7293%170
Retained earnings to average equity (ytd only)-1.5453%5,809
Net charge-offs to loans0.0099%3,826
Credit loss provision to net charge-offs2,100.0000%180
Earnings coverage of net charge-offs (x)293.6588%245
Efficiency ratio45.0062%6,004
Assets per employee ($millions)7.1272%821
Cash dividends to net income (ytd only)*106.7994%297
Condition Ratios (%)
Loss allowance to loans1.1009%4,222
Loan loss allowance to noncurrent loans96,300.0000%12
Noncurrent assets plus other real estate owned to assets0.0010%5,832
Noncurrent loans to loans0.0011%5,675
Net loans and leases to total assets86.6999%194
Net loans and leases to deposits105.9509%366
Net loans and leases to core deposits129.2216%288
Total domestic deposits to total assets81.8302%4,217
Equity capital to assets9.7644%4,428
Core capital (leverage) ratio9.7150%4,014
Tier 1 risk-based capital ratio10.0758%6,018
Total risk-based capital ratio11.0802%6,052
Memoranda:
Average total assets$98,115,5004,547
Average earning assets$92,346,7504,518
Average equity$9,749,2504,758
Average total loans$81,011,7503,826
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9596%638
Cost of funding earning assets0.7369%687
Net interest margin4.2227%1,063
Noninterest income to average assets0.2296%5,318
Noninterest expense to average assets1.9762%5,573
Loan and lease loss provision to assets0.0779%2,564
Net operating income to assets2.1464%282
Return on assets (ROA)2.1997%273
Pretax return on assets2.1997%413
Return on Equity (ROE)22.0073%195
Retained earnings to average equity (ytd only)-7.2195%6,100
Net charge-offs to loans0.0076%3,626
Credit loss provision to net charge-offs1,266.6667%283
Earnings coverage of net charge-offs (x)361.6667%191
Efficiency ratio47.0473%6,005
Assets per employee ($millions)6.9080%865
Cash dividends to net income (ytd only)*132.8052%245
Condition Ratios (%)
Loss allowance to loans1.0651%4,510
Loan loss allowance to noncurrent loans29,266.6667%27
Noncurrent assets plus other real estate owned to assets0.0031%5,908
Noncurrent loans to loans0.0036%5,765
Net loans and leases to total assets84.3277%349
Net loans and leases to deposits103.2930%486
Net loans and leases to core deposits120.8115%448
Total domestic deposits to total assets81.6393%4,408
Equity capital to assets9.7578%4,331
Core capital (leverage) ratio9.6664%4,045
Tier 1 risk-based capital ratio10.3992%5,956
Total risk-based capital ratio11.3683%5,996
Memoranda:
Average total assets$97,560,3304,601
Average earning assets$91,741,3304,564
Average equity$9,751,3304,796
Average total loans$78,858,0003,921
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8647%757
Cost of funding earning assets0.7291%739
Net interest margin4.1356%1,192
Noninterest income to average assets0.2041%5,493
Noninterest expense to average assets1.8697%5,800
Loan and lease loss provision to assets0.0776%2,403
Net operating income to assets2.1473%254
Return on assets (ROA)2.1473%271
Pretax return on assets2.1473%435
Return on Equity (ROE)21.2343%217
Retained earnings to average equity (ytd only)-2.9873%5,791
Net charge-offs to loans0.0052%3,139
Credit loss provision to net charge-offs1,900.0000%209
Earnings coverage of net charge-offs (x)545.0000%97
Efficiency ratio45.6630%6,120
Assets per employee ($millions)6.9983%859
Cash dividends to net income (ytd only)*114.0684%561
Condition Ratios (%)
Loss allowance to loans1.1477%4,271
Loan loss allowance to noncurrent loans382.6667%1,260
Noncurrent assets plus other real estate owned to assets0.2296%5,015
Noncurrent loans to loans0.2999%4,715
Net loans and leases to total assets75.6900%1,254
Net loans and leases to deposits92.9764%1,093
Net loans and leases to core deposits107.4847%846
Total domestic deposits to total assets81.4077%4,701
Equity capital to assets10.1229%3,982
Core capital (leverage) ratio10.0260%3,567
Tier 1 risk-based capital ratio11.6531%5,465
Total risk-based capital ratio12.6876%5,500
Memoranda:
Average total assets$97,984,5004,624
Average earning assets$92,174,5004,591
Average equity$9,908,5004,803
Average total loans$77,070,5003,989
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1469%575
Cost of funding earning assets0.7439%873
Net interest margin4.4030%879
Noninterest income to average assets0.2749%5,150
Noninterest expense to average assets1.9943%5,772
Loan and lease loss provision to assets0.0533%3,491
Net operating income to assets2.3639%179
Return on assets (ROA)2.3693%180
Pretax return on assets2.3693%242
Return on Equity (ROE)24.4460%117
Retained earnings to average equity (ytd only)9.2772%651
Net charge-offs to loans0.0144%4,594
Credit loss provision to net charge-offs454.5455%575
Earnings coverage of net charge-offs (x)206.2727%257
Efficiency ratio45.2065%6,293
Assets per employee ($millions)6.9995%842
Cash dividends to net income (ytd only)*62.0504%1,652
Condition Ratios (%)
Loss allowance to loans1.0654%4,729
Loan loss allowance to noncurrent loans10,537.5000%88
Noncurrent assets plus other real estate owned to assets0.0082%6,042
Noncurrent loans to loans0.0101%5,878
Net loans and leases to total assets79.8822%748
Net loans and leases to deposits98.5013%721
Net loans and leases to core deposits112.2135%687
Total domestic deposits to total assets81.0976%4,720
Equity capital to assets10.1017%3,983
Core capital (leverage) ratio10.3697%3,090
Tier 1 risk-based capital ratio11.3894%5,724
Total risk-based capital ratio12.3717%5,799
Memoranda:
Average total assets$93,868,8004,758
Average earning assets$88,189,4004,696
Average equity$9,097,6004,954
Average total loans$76,288,0003,988
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1263%607
Cost of funding earning assets0.7493%892
Net interest margin4.3770%915
Noninterest income to average assets0.2772%5,222
Noninterest expense to average assets2.0178%5,738
Loan and lease loss provision to assets0.0531%3,314
Net operating income to assets2.3251%189
Return on assets (ROA)2.3323%191
Pretax return on assets2.3323%292
Return on Equity (ROE)24.3365%115
Retained earnings to average equity (ytd only)7.9274%1,398
Net charge-offs to loans0.0459%3,576
Credit loss provision to net charge-offs142.3077%1,658
Earnings coverage of net charge-offs (x)63.6845%827
Efficiency ratio45.9000%6,297
Assets per employee ($millions)6.6669%933
Cash dividends to net income (ytd only)*67.4259%1,114
Condition Ratios (%)
Loss allowance to loans1.0350%5,047
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets83.4953%365
Net loans and leases to deposits104.0842%399
Net loans and leases to core deposits119.6267%403
Total domestic deposits to total assets80.2190%5,044
Equity capital to assets10.2596%3,847
Core capital (leverage) ratio10.2347%3,364
Tier 1 risk-based capital ratio11.0184%5,983
Total risk-based capital ratio11.9678%6,072
Memoranda:
Average total assets$92,837,7504,822
Average earning assets$87,364,2504,761
Average equity$8,897,2505,035
Average total loans$75,579,5004,046
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0924%621
Cost of funding earning assets0.7492%926
Net interest margin4.3432%952
Noninterest income to average assets0.2633%5,319
Noninterest expense to average assets2.0157%5,815
Loan and lease loss provision to assets0.0540%3,224
Net operating income to assets2.2596%202
Return on assets (ROA)2.2704%211
Pretax return on assets2.2704%317
Return on Equity (ROE)24.2648%128
Retained earnings to average equity (ytd only)5.5818%2,595
Net charge-offs to loans0.0295%3,605
Credit loss provision to net charge-offs227.2727%1,056
Earnings coverage of net charge-offs (x)97.4545%564
Efficiency ratio46.5603%6,337
Assets per employee ($millions)6.5959%963
Cash dividends to net income (ytd only)*76.9962%977
Condition Ratios (%)
Loss allowance to loans1.1232%4,800
Loan loss allowance to noncurrent loans20,450.0000%40
Noncurrent assets plus other real estate owned to assets0.0043%6,257
Noncurrent loans to loans0.0055%6,078
Net loans and leases to total assets77.9797%916
Net loans and leases to deposits92.4554%1,103
Net loans and leases to core deposits106.4829%870
Total domestic deposits to total assets84.3430%3,803
Equity capital to assets10.0139%4,088
Core capital (leverage) ratio9.8445%3,824
Tier 1 risk-based capital ratio11.4435%5,830
Total risk-based capital ratio12.4641%5,889
Memoranda:
Average total assets$92,671,3304,853
Average earning assets$86,756,0004,814
Average equity$8,671,0005,117
Average total loans$74,523,6704,089
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0397%673
Cost of funding earning assets0.7350%1,046
Net interest margin4.3046%986
Noninterest income to average assets0.2499%5,367
Noninterest expense to average assets1.9777%5,925
Loan and lease loss provision to assets0.0560%2,994
Net operating income to assets2.2534%214
Return on assets (ROA)2.2750%216
Pretax return on assets2.2750%318
Return on Equity (ROE)25.1938%115
Retained earnings to average equity (ytd only)0.1431%5,502
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.1307%6,420
Assets per employee ($millions)6.5335%1,003
Cash dividends to net income (ytd only)*99.4318%693
Condition Ratios (%)
Loss allowance to loans1.0999%5,119
Loan loss allowance to noncurrent loans3,268.0000%180
Noncurrent assets plus other real estate owned to assets0.0273%6,218
Noncurrent loans to loans0.0337%6,050
Net loans and leases to total assets80.3146%514
Net loans and leases to deposits94.8436%726
Net loans and leases to core deposits110.1246%584
Total domestic deposits to total assets84.6811%4,009
Equity capital to assets9.6874%4,244
Core capital (leverage) ratio9.6874%4,010
Tier 1 risk-based capital ratio11.0519%6,135
Total risk-based capital ratio12.0627%6,197
Memoranda:
Average total assets$92,836,0004,898
Average earning assets$87,069,5004,844
Average equity$8,383,0005,204
Average total loans$75,372,5004,086
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2287%599
Cost of funding earning assets0.8297%1,038
Net interest margin4.3990%911
Noninterest income to average assets0.2713%5,413
Noninterest expense to average assets2.0708%5,894
Loan and lease loss provision to assets0.2862%1,205
Net operating income to assets2.0353%319
Return on assets (ROA)2.0376%321
Pretax return on assets2.0376%441
Return on Equity (ROE)23.1976%172
Retained earnings to average equity (ytd only)5.2781%2,432
Net charge-offs to loans0.2565%2,430
Credit loss provision to net charge-offs138.1215%1,691
Earnings coverage of net charge-offs (x)11.2044%2,264
Efficiency ratio45.8692%6,562
Assets per employee ($millions)6.7288%884
Cash dividends to net income (ytd only)*77.2472%1,019
Condition Ratios (%)
Loss allowance to loans1.0515%5,341
Loan loss allowance to noncurrent loans2,061.5385%292
Noncurrent assets plus other real estate owned to assets0.0414%6,245
Noncurrent loans to loans0.0510%6,078
Net loans and leases to total assets80.3170%567
Net loans and leases to deposits93.5958%908
Net loans and leases to core deposits106.5408%769
Total domestic deposits to total assets85.8126%3,356
Equity capital to assets8.3915%5,702
Core capital (leverage) ratio9.1835%4,744
Tier 1 risk-based capital ratio9.7735%6,562
Total risk-based capital ratio10.7341%6,588
Memoranda:
Average total assets$87,356,2005,041
Average earning assets$81,837,0004,990
Average equity$7,673,2005,420
Average total loans$70,573,8004,249
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2057%636
Cost of funding earning assets0.8605%987
Net interest margin4.3453%998
Noninterest income to average assets0.2569%5,603
Noninterest expense to average assets2.0596%5,908
Loan and lease loss provision to assets0.3191%1,051
Net operating income to assets1.9662%383
Return on assets (ROA)1.9662%397
Pretax return on assets1.9662%621
Return on Equity (ROE)22.1130%200
Retained earnings to average equity (ytd only)2.0660%5,091
Net charge-offs to loans0.2701%2,199
Credit loss provision to net charge-offs146.4286%1,610
Earnings coverage of net charge-offs (x)10.4858%2,351
Efficiency ratio47.4024%6,529
Assets per employee ($millions)6.3436%1,009
Cash dividends to net income (ytd only)*90.6571%554
Condition Ratios (%)
Loss allowance to loans1.0609%5,481
Loan loss allowance to noncurrent loans707.9646%672
Noncurrent assets plus other real estate owned to assets0.1272%6,051
Noncurrent loans to loans0.1499%5,870
Net loans and leases to total assets84.0052%248
Net loans and leases to deposits104.4157%280
Net loans and leases to core deposits120.5601%311
Total domestic deposits to total assets80.4527%5,373
Equity capital to assets8.6015%5,621
Core capital (leverage) ratio9.3002%4,692
Tier 1 risk-based capital ratio9.5141%6,682
Total risk-based capital ratio10.4784%6,701
Memoranda:
Average total assets$85,644,5005,138
Average earning assets$80,576,2505,073
Average equity$7,615,2505,490
Average total loans$69,101,0004,336
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1284%728
Cost of funding earning assets0.8904%945
Net interest margin4.2380%1,173
Noninterest income to average assets0.2459%5,692
Noninterest expense to average assets2.1350%5,788
Loan and lease loss provision to assets0.4256%706
Net operating income to assets1.6692%661
Return on assets (ROA)1.6692%724
Pretax return on assets1.6692%1,186
Return on Equity (ROE)18.5610%423
Retained earnings to average equity (ytd only)-6.0205%6,517
Net charge-offs to loans0.4209%1,533
Credit loss provision to net charge-offs127.6596%1,769
Earnings coverage of net charge-offs (x)6.2837%2,742
Efficiency ratio50.4751%6,391
Assets per employee ($millions)5.9673%1,221
Cash dividends to net income (ytd only)*132.4363%272
Condition Ratios (%)
Loss allowance to loans1.1296%5,320
Loan loss allowance to noncurrent loans265.9794%1,564
Noncurrent assets plus other real estate owned to assets0.3483%5,441
Noncurrent loans to loans0.4247%5,198
Net loans and leases to total assets81.0933%429
Net loans and leases to deposits94.8359%753
Net loans and leases to core deposits105.3952%771
Total domestic deposits to total assets85.5091%3,639
Equity capital to assets8.7273%5,510
Core capital (leverage) ratio9.1317%4,781
Tier 1 risk-based capital ratio9.9692%6,641
Total risk-based capital ratio10.9918%6,668
Memoranda:
Average total assets$84,589,3305,206
Average earning assets$79,518,6705,132
Average equity$7,607,3305,538
Average total loans$66,999,6704,423
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0406%836
Cost of funding earning assets0.8795%1,087
Net interest margin4.1612%1,299
Noninterest income to average assets0.2209%5,899
Noninterest expense to average assets2.0490%6,008
Loan and lease loss provision to assets0.7284%321
Net operating income to assets1.3347%1,197
Return on assets (ROA)1.3347%1,293
Pretax return on assets1.3347%2,102
Return on Equity (ROE)14.6288%835
Retained earnings to average equity (ytd only)-15.5045%6,757
Net charge-offs to loans0.8635%703
Credit loss provision to net charge-offs108.3916%1,713
Earnings coverage of net charge-offs (x)3.0699%2,848
Efficiency ratio49.8286%6,514
Assets per employee ($millions)5.5883%1,588
Cash dividends to net income (ytd only)*205.9859%207
Condition Ratios (%)
Loss allowance to loans1.1663%5,340
Loan loss allowance to noncurrent loans344.2396%1,164
Noncurrent assets plus other real estate owned to assets0.2589%5,789
Noncurrent loans to loans0.3388%5,557
Net loans and leases to total assets75.5154%899
Net loans and leases to deposits89.4497%1,008
Net loans and leases to core deposits100.5384%917
Total domestic deposits to total assets84.4221%4,304
Equity capital to assets9.0678%5,408
Core capital (leverage) ratio9.0157%4,857
Tier 1 risk-based capital ratio10.5255%6,571
Total risk-based capital ratio11.5776%6,614
Memoranda:
Average total assets$85,113,0005,228
Average earning assets$79,593,0005,168
Average equity$7,765,5005,559
Average total loans$66,239,0004,486
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4337%713
Cost of funding earning assets1.0173%1,267
Net interest margin4.4164%1,130
Noninterest income to average assets0.3047%5,262
Noninterest expense to average assets2.0215%6,286
Loan and lease loss provision to assets0.0713%4,845
Net operating income to assets2.3794%185
Return on assets (ROA)2.4761%169
Pretax return on assets2.4761%263
Return on Equity (ROE)26.7552%92
Retained earnings to average equity (ytd only)5.5261%2,365
Net charge-offs to loans-0.0174%6,534
Credit loss provision to net charge-offs-536.3636%6,527
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.2014%6,811
Assets per employee ($millions)5.7601%1,462
Cash dividends to net income (ytd only)*79.3457%1,024
Condition Ratios (%)
Loss allowance to loans1.0741%5,659
Loan loss allowance to noncurrent loans4,593.7500%146
Noncurrent assets plus other real estate owned to assets0.0185%6,629
Noncurrent loans to loans0.0234%6,466
Net loans and leases to total assets78.3500%634
Net loans and leases to deposits93.8645%759
Net loans and leases to core deposits104.5692%758
Total domestic deposits to total assets83.4714%4,548
Equity capital to assets9.1780%5,297
Core capital (leverage) ratio9.2979%4,422
Tier 1 risk-based capital ratio10.1991%6,651
Total risk-based capital ratio11.1633%6,689
Memoranda:
Average total assets$82,711,4005,281
Average earning assets$78,049,8005,180
Average equity$7,654,6005,596
Average total loans$63,130,2004,594
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4122%815
Cost of funding earning assets1.0403%1,340
Net interest margin4.3719%1,272
Noninterest income to average assets0.3211%5,213
Noninterest expense to average assets2.0165%6,326
Loan and lease loss provision to assets0.0962%4,373
Net operating income to assets2.3670%221
Return on assets (ROA)2.3670%238
Pretax return on assets2.3670%363
Return on Equity (ROE)25.5209%135
Retained earnings to average equity (ytd only)3.1110%4,686
Net charge-offs to loans-0.0604%6,754
Credit loss provision to net charge-offs-210.7143%6,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.0146%6,865
Assets per employee ($millions)5.8281%1,353
Cash dividends to net income (ytd only)*87.8101%502
Condition Ratios (%)
Loss allowance to loans1.1057%5,699
Loan loss allowance to noncurrent loans2,685.7143%209
Noncurrent assets plus other real estate owned to assets0.0343%6,683
Noncurrent loans to loans0.0412%6,515
Net loans and leases to total assets82.4323%310
Net loans and leases to deposits101.5613%374
Net loans and leases to core deposits114.0060%432
Total domestic deposits to total assets81.1651%5,310
Equity capital to assets9.5106%5,197
Core capital (leverage) ratio9.6009%4,116
Tier 1 risk-based capital ratio10.0090%6,798
Total risk-based capital ratio11.0087%6,842
Memoranda:
Average total assets$81,788,7505,358
Average earning assets$77,798,0005,248
Average equity$7,585,7505,674
Average total loans$61,805,0004,694
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3132%1,027
Cost of funding earning assets1.0755%1,329
Net interest margin4.2377%1,643
Noninterest income to average assets0.3128%5,312
Noninterest expense to average assets2.0744%6,280
Loan and lease loss provision to assets0.1442%3,717
Net operating income to assets2.1184%330
Return on assets (ROA)2.1184%367
Pretax return on assets2.1184%565
Return on Equity (ROE)23.0350%209
Retained earnings to average equity (ytd only)-2.2052%6,384
Net charge-offs to loans-0.0201%6,432
Credit loss provision to net charge-offs-983.3333%6,400
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.8310%6,787
Assets per employee ($millions)5.5941%1,535
Cash dividends to net income (ytd only)*109.5732%342
Condition Ratios (%)
Loss allowance to loans1.2171%5,285
Loan loss allowance to noncurrent loans1,622.2222%290
Noncurrent assets plus other real estate owned to assets0.0575%6,674
Noncurrent loans to loans0.0750%6,476
Net loans and leases to total assets75.6541%1,012
Net loans and leases to deposits91.3957%1,013
Net loans and leases to core deposits102.4590%952
Total domestic deposits to total assets82.7764%4,837
Equity capital to assets9.4833%5,091
Core capital (leverage) ratio8.9405%4,995
Tier 1 risk-based capital ratio11.0284%6,482
Total risk-based capital ratio12.1357%6,532
Memoranda:
Average total assets$81,854,0005,383
Average earning assets$77,730,6705,277
Average equity$7,527,6705,702
Average total loans$59,736,3304,799
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2440%1,218
Cost of funding earning assets1.0770%1,512
Net interest margin4.1670%1,862
Noninterest income to average assets0.3109%5,397
Noninterest expense to average assets1.9947%6,470
Loan and lease loss provision to assets0.1435%3,565
Net operating income to assets2.1334%330
Return on assets (ROA)2.1334%384
Pretax return on assets2.1334%599
Return on Equity (ROE)23.5418%227
Retained earnings to average equity (ytd only)7.7065%2,089
Net charge-offs to loans-0.0134%6,044
Credit loss provision to net charge-offs-1,500.0000%5,990
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.6965%6,864
Assets per employee ($millions)5.9112%1,340
Cash dividends to net income (ytd only)*67.2646%1,040
Condition Ratios (%)
Loss allowance to loans1.1832%5,574
Loan loss allowance to noncurrent loans301.7316%1,101
Noncurrent assets plus other real estate owned to assets1.0162%4,458
Noncurrent loans to loans0.3922%5,890
Net loans and leases to total assets70.3373%1,701
Net loans and leases to deposits84.0818%1,657
Net loans and leases to core deposits98.1585%1,115
Total domestic deposits to total assets83.6533%4,655
Equity capital to assets9.2488%5,160
Core capital (leverage) ratio9.0232%4,806
Tier 1 risk-based capital ratio11.5469%6,254
Total risk-based capital ratio12.6203%6,328
Memoranda:
Average total assets$83,622,5005,372
Average earning assets$79,482,0005,256
Average equity$7,578,0005,715
Average total loans$59,614,5004,833
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0530%397
Cost of funding earning assets1.3583%1,204
Net interest margin4.6947%763
Noninterest income to average assets0.3616%4,926
Noninterest expense to average assets2.1391%6,411
Loan and lease loss provision to assets0.1584%4,651
Net operating income to assets2.4519%141
Return on assets (ROA)2.4519%149
Pretax return on assets2.4519%223
Return on Equity (ROE)26.2089%86
Retained earnings to average equity (ytd only)11.3976%359
Net charge-offs to loans0.1593%4,871
Credit loss provision to net charge-offs127.6596%2,430
Earnings coverage of net charge-offs (x)21.0426%1,109
Efficiency ratio45.0403%7,089
Assets per employee ($millions)6.0349%1,207
Cash dividends to net income (ytd only)*56.5124%1,729
Condition Ratios (%)
Loss allowance to loans1.1024%5,803
Loan loss allowance to noncurrent loans2,216.6667%212
Noncurrent assets plus other real estate owned to assets0.8380%4,946
Noncurrent loans to loans0.0497%6,697
Net loans and leases to total assets70.6112%1,902
Net loans and leases to deposits84.4129%1,871
Net loans and leases to core deposits98.2025%1,314
Total domestic deposits to total assets83.6497%4,472
Equity capital to assets8.8794%5,697
Core capital (leverage) ratio9.2018%4,465
Tier 1 risk-based capital ratio11.2802%6,302
Total risk-based capital ratio12.3005%6,411
Memoranda:
Average total assets$75,778,2005,583
Average earning assets$70,823,8005,510
Average equity$7,089,2005,842
Average total loans$58,995,6004,907
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2636%289
Cost of funding earning assets1.4110%1,186
Net interest margin4.8527%566
Noninterest income to average assets0.3913%4,730
Noninterest expense to average assets2.1141%6,483
Loan and lease loss provision to assets0.1630%4,429
Net operating income to assets2.6249%124
Return on assets (ROA)2.6249%131
Pretax return on assets2.6249%196
Return on Equity (ROE)27.6546%84
Retained earnings to average equity (ytd only)13.3407%349
Net charge-offs to loans0.1182%4,843
Credit loss provision to net charge-offs173.0769%1,729
Earnings coverage of net charge-offs (x)29.5969%945
Efficiency ratio43.1264%7,172
Assets per employee ($millions)5.3356%1,765
Cash dividends to net income (ytd only)*51.7601%1,512
Condition Ratios (%)
Loss allowance to loans1.0565%6,028
Loan loss allowance to noncurrent loans138.4458%2,182
Noncurrent assets plus other real estate owned to assets1.5623%3,750
Noncurrent loans to loans0.7631%5,345
Net loans and leases to total assets84.8805%168
Net loans and leases to deposits104.6910%295
Net loans and leases to core deposits123.1313%322
Total domestic deposits to total assets81.0771%5,408
Equity capital to assets9.8958%4,484
Core capital (leverage) ratio9.7595%3,756
Tier 1 risk-based capital ratio10.4888%6,781
Total risk-based capital ratio11.4691%6,873
Memoranda:
Average total assets$73,600,7505,693
Average earning assets$68,414,5005,636
Average equity$6,986,0005,906
Average total loans$58,663,7504,960
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1377%362
Cost of funding earning assets1.4639%1,149
Net interest margin4.6739%774
Noninterest income to average assets0.3823%4,825
Noninterest expense to average assets2.0509%6,689
Loan and lease loss provision to assets0.1639%4,290
Net operating income to assets2.5097%163
Return on assets (ROA)2.5097%169
Pretax return on assets2.5097%243
Return on Equity (ROE)26.8295%102
Retained earnings to average equity (ytd only)10.0428%831
Net charge-offs to loans0.1196%4,515
Credit loss provision to net charge-offs176.4706%1,701
Earnings coverage of net charge-offs (x)28.7941%956
Efficiency ratio43.4104%7,259
Assets per employee ($millions)5.3188%1,738
Cash dividends to net income (ytd only)*62.5680%1,270
Condition Ratios (%)
Loss allowance to loans1.1247%5,849
Loan loss allowance to noncurrent loans167.6768%1,794
Noncurrent assets plus other real estate owned to assets1.4665%4,014
Noncurrent loans to loans0.6708%5,565
Net loans and leases to total assets78.3920%721
Net loans and leases to deposits95.1568%787
Net loans and leases to core deposits107.8445%822
Total domestic deposits to total assets82.3819%5,031
Equity capital to assets9.3953%4,982
Core capital (leverage) ratio9.4708%3,994
Tier 1 risk-based capital ratio10.7995%6,660
Total risk-based capital ratio11.8404%6,749
Memoranda:
Average total assets$73,235,0005,742
Average earning assets$68,038,0005,694
Average equity$6,850,6705,961
Average total loans$56,858,0005,087
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1698%347
Cost of funding earning assets1.4636%1,319
Net interest margin4.7062%692
Noninterest income to average assets0.4021%4,684
Noninterest expense to average assets2.0215%6,798
Loan and lease loss provision to assets0.1652%3,978
Net operating income to assets2.5723%163
Return on assets (ROA)2.5723%171
Pretax return on assets2.5723%229
Return on Equity (ROE)27.5598%111
Retained earnings to average equity (ytd only)27.5598%74
Net charge-offs to loans-0.0072%6,292
Credit loss provision to net charge-offs-3,000.0000%6,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.4769%7,333
Assets per employee ($millions)5.0039%2,155
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1780%5,729
Loan loss allowance to noncurrent loans224.0803%1,341
Noncurrent assets plus other real estate owned to assets1.3946%4,201
Noncurrent loans to loans0.5257%5,974
Net loans and leases to total assets80.2327%492
Net loans and leases to deposits98.3827%553
Net loans and leases to core deposits105.9570%942
Total domestic deposits to total assets81.5516%5,477
Equity capital to assets10.0664%3,695
Core capital (leverage) ratio9.7601%3,432
Tier 1 risk-based capital ratio11.4663%6,127
Total risk-based capital ratio12.5617%6,228
Memoranda:
Average total assets$72,621,0005,801
Average earning assets$67,231,0005,756
Average equity$6,778,0005,992
Average total loans$55,768,5005,184
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4176%368
Cost of funding earning assets1.8797%910
Net interest margin4.5379%1,157
Noninterest income to average assets0.3514%5,290
Noninterest expense to average assets2.0873%6,878
Loan and lease loss provision to assets0.1666%5,551
Net operating income to assets2.3317%148
Return on assets (ROA)2.6470%103
Pretax return on assets2.6470%161
Return on Equity (ROE)28.9349%48
Retained earnings to average equity (ytd only)8.8960%734
Net charge-offs to loans0.0602%6,191
Credit loss provision to net charge-offs363.6364%701
Earnings coverage of net charge-offs (x)54.5152%430
Efficiency ratio45.5179%7,373
Assets per employee ($millions)5.7836%1,372
Cash dividends to net income (ytd only)*69.2550%1,250
Condition Ratios (%)
Loss allowance to loans1.1672%5,652
Loan loss allowance to noncurrent loans225.4417%1,354
Noncurrent assets plus other real estate owned to assets1.2781%4,477
Noncurrent loans to loans0.5177%6,006
Net loans and leases to total assets71.8502%2,134
Net loans and leases to deposits86.1238%2,070
Net loans and leases to core deposits94.1806%2,234
Total domestic deposits to total assets83.4267%4,638
Equity capital to assets8.6504%5,654
Core capital (leverage) ratio8.9920%4,572
Tier 1 risk-based capital ratio11.1041%6,248
Total risk-based capital ratio12.1866%6,350
Memoranda:
Average total assets$72,007,4005,814
Average earning assets$67,190,2005,763
Average equity$6,587,2006,171
Average total loans$54,809,8005,280
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4426%380
Cost of funding earning assets1.9386%904
Net interest margin4.5041%1,248
Noninterest income to average assets0.3932%5,013
Noninterest expense to average assets1.9603%7,117
Loan and lease loss provision to assets0.1685%5,359
Net operating income to assets2.4883%135
Return on assets (ROA)2.9133%90
Pretax return on assets2.9133%134
Return on Equity (ROE)31.3954%43
Retained earnings to average equity (ytd only)19.4103%92
Net charge-offs to loans0.0608%5,904
Credit loss provision to net charge-offs360.0000%861
Earnings coverage of net charge-offs (x)56.7642%509
Efficiency ratio42.4574%7,513
Assets per employee ($millions)5.5815%1,550
Cash dividends to net income (ytd only)*38.1749%2,177
Condition Ratios (%)
Loss allowance to loans1.0402%6,216
Loan loss allowance to noncurrent loans2,281.4815%169
Noncurrent assets plus other real estate owned to assets0.9716%5,146
Noncurrent loans to loans0.0456%7,132
Net loans and leases to total assets80.7660%641
Net loans and leases to deposits100.5646%617
Net loans and leases to core deposits112.4429%909
Total domestic deposits to total assets80.3126%5,609
Equity capital to assets9.6570%4,604
Core capital (leverage) ratio9.6800%3,650
Tier 1 risk-based capital ratio10.9652%6,408
Total risk-based capital ratio11.9411%6,626
Memoranda:
Average total assets$71,212,5005,910
Average earning assets$66,782,5005,839
Average equity$6,608,0006,231
Average total loans$54,847,2505,352
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3987%414
Cost of funding earning assets1.9637%1,006
Net interest margin4.4350%1,361
Noninterest income to average assets0.3731%5,152
Noninterest expense to average assets1.9530%7,181
Loan and lease loss provision to assets0.1696%5,179
Net operating income to assets2.3995%162
Return on assets (ROA)2.4024%173
Pretax return on assets2.4024%280
Return on Equity (ROE)26.2548%103
Retained earnings to average equity (ytd only)9.5753%948
Net charge-offs to loans0.1086%5,075
Credit loss provision to net charge-offs206.8966%1,875
Earnings coverage of net charge-offs (x)31.3448%893
Efficiency ratio43.1875%7,547
Assets per employee ($millions)5.5718%1,558
Cash dividends to net income (ytd only)*63.5294%1,205
Condition Ratios (%)
Loss allowance to loans1.0679%6,091
Loan loss allowance to noncurrent loans786.4865%433
Noncurrent assets plus other real estate owned to assets1.0382%5,060
Noncurrent loans to loans0.1358%6,991
Net loans and leases to total assets74.4398%1,821
Net loans and leases to deposits90.7743%1,730
Net loans and leases to core deposits101.9186%1,834
Total domestic deposits to total assets82.0054%4,987
Equity capital to assets9.0635%5,348
Core capital (leverage) ratio8.8292%4,864
Tier 1 risk-based capital ratio10.3702%6,784
Total risk-based capital ratio11.3330%6,957
Memoranda:
Average total assets$70,763,6705,954
Average earning assets$66,201,0005,896
Average equity$6,475,0006,308
Average total loans$53,390,0005,451
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3820%454
Cost of funding earning assets1.9741%1,175
Net interest margin4.4079%1,367
Noninterest income to average assets0.3947%4,955
Noninterest expense to average assets1.9792%7,197
Loan and lease loss provision to assets0.1716%4,810
Net operating income to assets2.3567%186
Return on assets (ROA)2.3624%209
Pretax return on assets2.3624%317
Return on Equity (ROE)25.6921%144
Retained earnings to average equity (ytd only)25.0700%102
Net charge-offs to loans0.1136%4,302
Credit loss provision to net charge-offs200.0000%1,845
Earnings coverage of net charge-offs (x)29.4667%881
Efficiency ratio43.9086%7,624
Assets per employee ($millions)5.3942%1,770
Cash dividends to net income (ytd only)*2.4213%2,503
Condition Ratios (%)
Loss allowance to loans1.0595%6,189
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.9669%5,217
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets75.3722%1,671
Net loans and leases to deposits91.7668%1,643
Net loans and leases to core deposits102.8949%1,830
Total domestic deposits to total assets82.1345%5,020
Equity capital to assets9.4590%4,600
Core capital (leverage) ratio9.0847%4,405
Tier 1 risk-based capital ratio10.6824%6,461
Total risk-based capital ratio11.6327%6,728
Memoranda:
Average total assets$69,929,0006,047
Average earning assets$65,246,0005,989
Average equity$6,430,0006,372
Average total loans$52,834,5005,544
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8388%358
Cost of funding earning assets2.4412%1,184
Net interest margin4.3976%1,438
Noninterest income to average assets0.4175%5,068
Noninterest expense to average assets2.4260%6,388
Loan and lease loss provision to assets0.3558%4,669
Net operating income to assets1.8250%337
Return on assets (ROA)1.8171%358
Pretax return on assets1.7729%669
Return on Equity (ROE)19.6679%259
Retained earnings to average equity (ytd only)12.4786%182
Net charge-offs to loans0.4554%3,959
Credit loss provision to net charge-offs96.9828%5,730
Earnings coverage of net charge-offs (x)5.8233%2,490
Efficiency ratio53.1716%7,307
Assets per employee ($millions)5.3642%1,776
Cash dividends to net income (ytd only)*36.5535%3,069
Condition Ratios (%)
Loss allowance to loans1.0546%6,109
Loan loss allowance to noncurrent loans1,669.6970%232
Noncurrent assets plus other real estate owned to assets0.0473%7,387
Noncurrent loans to loans0.0632%7,265
Net loans and leases to total assets74.1360%2,241
Net loans and leases to deposits89.7099%2,259
Net loans and leases to core deposits123.3990%1,683
Total domestic deposits to total assets82.6397%4,685
Equity capital to assets8.9296%5,251
Core capital (leverage) ratio8.6095%5,080
Tier 1 risk-based capital ratio9.8568%6,979
Total risk-based capital ratio10.7682%7,188
Memoranda:
Average total assets$63,231,2006,231
Average earning assets$59,601,0006,141
Average equity$5,842,0006,653
Average total loans$50,948,2005,627
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8641%380
Cost of funding earning assets2.5378%1,183
Net interest margin4.3263%1,656
Noninterest income to average assets0.4242%5,102
Noninterest expense to average assets2.4521%6,240
Loan and lease loss provision to assets0.1147%6,219
Net operating income to assets2.0236%278
Return on assets (ROA)2.0149%307
Pretax return on assets1.9478%592
Return on Equity (ROE)21.6038%221
Retained earnings to average equity (ytd only)17.3109%99
Net charge-offs to loans-0.0105%7,691
Credit loss provision to net charge-offs-1,325.0000%7,338
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2105%7,213
Assets per employee ($millions)5.1124%2,011
Cash dividends to net income (ytd only)*19.8711%3,246
Condition Ratios (%)
Loss allowance to loans1.1258%5,561
Loan loss allowance to noncurrent loans64.8734%4,086
Noncurrent assets plus other real estate owned to assets1.4264%4,253
Noncurrent loans to loans1.7354%4,029
Net loans and leases to total assets81.2702%933
Net loans and leases to deposits99.8115%1,121
Net loans and leases to core deposits140.3336%901
Total domestic deposits to total assets81.4237%4,906
Equity capital to assets9.3905%4,896
Core capital (leverage) ratio8.9536%4,720
Tier 1 risk-based capital ratio10.1216%6,858
Total risk-based capital ratio11.1632%7,008
Memoranda:
Average total assets$61,605,5006,329
Average earning assets$58,369,7506,241
Average equity$5,745,7506,758
Average total loans$50,623,0005,684
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7286%516
Cost of funding earning assets2.5118%1,571
Net interest margin4.2168%1,933
Noninterest income to average assets0.4734%4,685
Noninterest expense to average assets2.4172%6,408
Loan and lease loss provision to assets0.1000%6,174
Net operating income to assets2.0538%263
Return on assets (ROA)2.0371%294
Pretax return on assets1.9304%654
Return on Equity (ROE)21.8970%240
Retained earnings to average equity (ytd only)15.2670%194
Net charge-offs to loans-0.0243%7,733
Credit loss provision to net charge-offs-500.0000%7,053
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1449%7,313
Assets per employee ($millions)4.9701%2,111
Cash dividends to net income (ytd only)*30.2782%2,837
Condition Ratios (%)
Loss allowance to loans1.1241%5,432
Loan loss allowance to noncurrent loans62.3950%4,332
Noncurrent assets plus other real estate owned to assets1.4734%4,027
Noncurrent loans to loans1.8015%3,801
Net loans and leases to total assets80.8686%1,162
Net loans and leases to deposits101.0091%1,172
Net loans and leases to core deposits138.2348%1,094
Total domestic deposits to total assets80.0607%5,454
Equity capital to assets8.9675%5,363
Core capital (leverage) ratio8.9065%4,774
Tier 1 risk-based capital ratio9.9284%7,010
Total risk-based capital ratio10.9711%7,156
Memoranda:
Average total assets$59,987,0006,444
Average earning assets$56,772,6706,355
Average equity$5,580,6706,870
Average total loans$49,288,0005,797
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9912%347
Cost of funding earning assets2.5602%1,701
Net interest margin4.4309%1,272
Noninterest income to average assets0.5410%3,988
Noninterest expense to average assets2.2332%6,745
Loan and lease loss provision to assets0.0555%6,268
Net operating income to assets2.6632%99
Return on assets (ROA)2.6285%129
Pretax return on assets2.4066%296
Return on Equity (ROE)27.6946%134
Retained earnings to average equity (ytd only)27.6946%64
Net charge-offs to loans-0.0253%7,502
Credit loss provision to net charge-offs-266.6667%6,311
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.2141%7,775
Assets per employee ($millions)4.6775%2,469
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1820%4,919
Loan loss allowance to noncurrent loans61.2487%4,519
Noncurrent assets plus other real estate owned to assets1.5278%3,643
Noncurrent loans to loans1.9299%3,369
Net loans and leases to total assets78.2282%1,768
Net loans and leases to deposits101.7911%1,200
Net loans and leases to core deposits129.4958%1,695
Total domestic deposits to total assets76.8517%6,316
Equity capital to assets9.3261%4,899
Core capital (leverage) ratio9.5585%3,915
Tier 1 risk-based capital ratio10.6964%6,187
Total risk-based capital ratio11.7815%6,276
Memoranda:
Average total assets$57,675,0006,554
Average earning assets$54,526,0006,473
Average equity$5,474,0006,955
Average total loans$47,510,0005,889
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3984%495
Cost of funding earning assets2.7665%2,848
Net interest margin4.6319%1,092
Noninterest income to average assets0.4911%4,675
Noninterest expense to average assets3.0475%3,906
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.0680%2,266
Return on assets (ROA)1.0680%2,181
Pretax return on assets1.6771%1,197
Return on Equity (ROE)9.4465%2,458
Retained earnings to average equity (ytd only)1.6693%4,216
Net charge-offs to loans-0.1836%8,157
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5030%5,453
Assets per employee ($millions)4.1955%3,124
Cash dividends to net income (ytd only)*82.3293%1,604
Condition Ratios (%)
Loss allowance to loans1.1902%4,622
Loan loss allowance to noncurrent loans1,594.2857%360
Noncurrent assets plus other real estate owned to assets0.0642%7,308
Noncurrent loans to loans0.0747%7,201
Net loans and leases to total assets84.9327%745
Net loans and leases to deposits109.8714%844
Net loans and leases to core deposits131.2629%1,769
Total domestic deposits to total assets77.3019%5,916
Equity capital to assets9.6751%4,459
Core capital (leverage) ratio9.4746%4,045
Tier 1 risk-based capital ratio10.3692%6,346
Total risk-based capital ratio11.4755%6,356
Memoranda:
Average total assets$46,628,6006,912
Average earning assets$42,617,2006,919
Average equity$5,271,8007,055
Average total loans$38,120,0006,266