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Carthage Federal Savings and Loan Association, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3184%3,150
Cost of funding earning assets0.4630%1,109
Net interest margin2.8554%3,542
Noninterest income to average assets0.3600%3,278
Noninterest expense to average assets1.9172%3,889
Loan and lease loss provision to assets0.0204%2,661
Net operating income to assets0.9170%2,981
Return on assets (ROA)0.9170%3,041
Pretax return on assets1.0908%3,004
Return on Equity (ROE)8.6860%3,020
Retained earnings to average equity (ytd only)8.6860%1,286
Net charge-offs to loans0.0081%2,277
Credit loss provision to net charge-offs362.5000%965
Earnings coverage of net charge-offs (x)197.7500%550
Efficiency ratio63.3074%2,670
Assets per employee ($millions)6.7615%2,099
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.4886%4,633
Loan loss allowance to noncurrent loans116.9719%3,238
Noncurrent assets plus other real estate owned to assets0.2884%2,090
Noncurrent loans to loans0.4177%2,100
Net loans and leases to total assets68.7006%1,186
Net loans and leases to deposits80.4246%1,177
Net loans and leases to core deposits95.9467%693
Total domestic deposits to total assets85.4224%3,122
Equity capital to assets10.8366%1,912
Core capital (leverage) ratio11.6067%1,248
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.9965%278
Memoranda:
Average total assets$284,742,4002,508
Average earning assets$266,093,8002,517
Average equity$30,059,8002,531
Average total loans$196,933,2002,251
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2604%3,484
Cost of funding earning assets0.4790%1,165
Net interest margin2.7814%3,821
Noninterest income to average assets0.3809%3,206
Noninterest expense to average assets1.7225%4,295
Loan and lease loss provision to assets0.0186%2,633
Net operating income to assets0.9682%3,027
Return on assets (ROA)0.9682%3,109
Pretax return on assets1.2400%2,804
Return on Equity (ROE)9.2319%3,027
Retained earnings to average equity (ytd only)9.2319%1,603
Net charge-offs to loans0.0115%1,903
Credit loss provision to net charge-offs235.2941%1,131
Earnings coverage of net charge-offs (x)158.2353%654
Efficiency ratio57.7774%3,304
Assets per employee ($millions)8.0614%1,246
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.4711%4,731
Loan loss allowance to noncurrent loans248.4127%2,248
Noncurrent assets plus other real estate owned to assets0.1302%3,245
Noncurrent loans to loans0.1896%3,191
Net loans and leases to total assets68.3638%1,276
Net loans and leases to deposits79.8108%1,309
Net loans and leases to core deposits94.6917%801
Total domestic deposits to total assets85.6574%2,889
Equity capital to assets10.6026%2,360
Core capital (leverage) ratio11.1749%1,559
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.9797%302
Memoranda:
Average total assets$284,932,2502,529
Average earning assets$266,378,5002,533
Average equity$29,881,2502,577
Average total loans$197,152,5002,287
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2635%3,532
Cost of funding earning assets0.5010%1,198
Net interest margin2.7626%3,868
Noninterest income to average assets0.3094%3,575
Noninterest expense to average assets1.6626%4,419
Loan and lease loss provision to assets0.0155%2,640
Net operating income to assets0.9471%3,069
Return on assets (ROA)0.9471%3,155
Pretax return on assets1.2134%2,872
Return on Equity (ROE)9.0654%3,077
Retained earnings to average equity (ytd only)9.0654%1,688
Net charge-offs to loans0.0183%1,578
Credit loss provision to net charge-offs122.2222%1,249
Earnings coverage of net charge-offs (x)96.6667%768
Efficiency ratio57.4988%3,344
Assets per employee ($millions)8.3846%1,047
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.4653%4,763
Loan loss allowance to noncurrent loans289.3082%1,953
Noncurrent assets plus other real estate owned to assets0.1366%3,331
Noncurrent loans to loans0.1608%3,414
Net loans and leases to total assets67.0584%1,572
Net loans and leases to deposits78.1639%1,604
Net loans and leases to core deposits92.4635%978
Total domestic deposits to total assets85.7920%2,807
Equity capital to assets10.2753%2,599
Core capital (leverage) ratio11.0334%1,593
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.5730%316
Memoranda:
Average total assets$283,172,3332,537
Average earning assets$264,682,3332,539
Average equity$29,585,0002,590
Average total loans$196,423,6672,301
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3229%3,399
Cost of funding earning assets0.5220%1,259
Net interest margin2.8009%3,761
Noninterest income to average assets0.2547%3,874
Noninterest expense to average assets1.6703%4,436
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9380%3,015
Return on assets (ROA)0.9380%3,093
Pretax return on assets1.2013%2,844
Return on Equity (ROE)8.9009%3,062
Retained earnings to average equity (ytd only)8.9009%1,978
Net charge-offs to loans0.0572%941
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)29.8214%1,097
Efficiency ratio58.1663%3,275
Assets per employee ($millions)7.5196%1,439
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.4541%4,800
Loan loss allowance to noncurrent loans187.3418%2,476
Noncurrent assets plus other real estate owned to assets0.1704%3,315
Noncurrent loans to loans0.2424%3,233
Net loans and leases to total assets69.9652%1,296
Net loans and leases to deposits82.2014%1,322
Net loans and leases to core deposits97.4557%824
Total domestic deposits to total assets85.1143%3,054
Equity capital to assets10.5633%2,204
Core capital (leverage) ratio11.3044%1,520
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.8169%300
Memoranda:
Average total assets$278,027,5002,555
Average earning assets$259,769,5002,548
Average equity$29,300,5002,600
Average total loans$195,780,0002,311
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5985%3,819
Cost of funding earning assets0.8674%961
Net interest margin2.7311%4,342
Noninterest income to average assets0.2311%4,117
Noninterest expense to average assets1.9289%4,267
Loan and lease loss provision to assets0.0508%3,742
Net operating income to assets0.6341%3,637
Return on assets (ROA)0.6341%3,765
Pretax return on assets0.7880%3,657
Return on Equity (ROE)5.8515%3,627
Retained earnings to average equity (ytd only)5.8515%1,870
Net charge-offs to loans0.0280%2,474
Credit loss provision to net charge-offs259.6154%1,890
Earnings coverage of net charge-offs (x)42.8654%1,326
Efficiency ratio69.6397%2,000
Assets per employee ($millions)7.7174%1,160
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.4673%4,811
Loan loss allowance to noncurrent loans181.0277%2,512
Noncurrent assets plus other real estate owned to assets0.1821%3,372
Noncurrent loans to loans0.2582%3,268
Net loans and leases to total assets70.2211%1,530
Net loans and leases to deposits82.7367%1,578
Net loans and leases to core deposits99.6858%915
Total domestic deposits to total assets84.8730%2,816
Equity capital to assets10.5141%2,662
Core capital (leverage) ratio11.1038%1,729
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.2592%313
Memoranda:
Average total assets$265,742,6002,485
Average earning assets$246,827,0002,480
Average equity$28,796,2002,542
Average total loans$185,786,0002,365
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6516%3,910
Cost of funding earning assets0.9534%896
Net interest margin2.6982%4,465
Noninterest income to average assets0.2289%4,124
Noninterest expense to average assets1.8006%4,501
Loan and lease loss provision to assets0.0552%3,660
Net operating income to assets0.6917%3,486
Return on assets (ROA)0.6917%3,585
Pretax return on assets0.8749%3,450
Return on Equity (ROE)6.3337%3,437
Retained earnings to average equity (ytd only)6.3337%1,954
Net charge-offs to loans0.0160%2,560
Credit loss provision to net charge-offs495.4545%1,295
Earnings coverage of net charge-offs (x)83.3182%899
Efficiency ratio65.8799%2,484
Assets per employee ($millions)8.3046%906
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.4804%4,828
Loan loss allowance to noncurrent loans195.7447%2,245
Noncurrent assets plus other real estate owned to assets0.1838%3,510
Noncurrent loans to loans0.2454%3,422
Net loans and leases to total assets67.5054%2,314
Net loans and leases to deposits79.5988%2,360
Net loans and leases to core deposits95.4748%1,504
Total domestic deposits to total assets84.8071%2,510
Equity capital to assets10.4252%2,854
Core capital (leverage) ratio11.0622%1,845
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.1443%327
Memoranda:
Average total assets$262,721,2502,493
Average earning assets$243,611,5002,491
Average equity$28,692,5002,547
Average total loans$183,230,0002,388
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7723%3,940
Cost of funding earning assets1.0848%743
Net interest margin2.6875%4,566
Noninterest income to average assets0.2069%4,244
Noninterest expense to average assets1.8417%4,497
Loan and lease loss provision to assets0.0687%3,429
Net operating income to assets0.6035%3,725
Return on assets (ROA)0.6035%3,803
Pretax return on assets0.7877%3,626
Return on Equity (ROE)5.4351%3,704
Retained earnings to average equity (ytd only)5.4351%2,298
Net charge-offs to loans0.0211%2,301
Credit loss provision to net charge-offs463.1579%1,287
Earnings coverage of net charge-offs (x)57.7368%999
Efficiency ratio68.2002%2,209
Assets per employee ($millions)7.3389%1,254
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.4835%4,850
Loan loss allowance to noncurrent loans184.2857%2,273
Noncurrent assets plus other real estate owned to assets0.1805%3,630
Noncurrent loans to loans0.2623%3,445
Net loans and leases to total assets68.4519%2,272
Net loans and leases to deposits81.3066%2,278
Net loans and leases to core deposits98.0250%1,409
Total domestic deposits to total assets84.1899%2,679
Equity capital to assets10.6286%2,640
Core capital (leverage) ratio11.1520%1,863
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.2835%328
Memoranda:
Average total assets$256,176,6672,504
Average earning assets$237,466,6672,505
Average equity$28,444,6672,552
Average total loans$180,465,0002,396
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9983%3,792
Cost of funding earning assets1.2312%694
Net interest margin2.7671%4,603
Noninterest income to average assets0.2093%4,295
Noninterest expense to average assets1.9493%4,491
Loan and lease loss provision to assets0.0290%3,420
Net operating income to assets0.6278%3,524
Return on assets (ROA)0.6278%3,582
Pretax return on assets0.7887%3,440
Return on Equity (ROE)5.5248%3,469
Retained earnings to average equity (ytd only)5.5248%2,056
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2152%2,321
Assets per employee ($millions)7.6063%858
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.4776%4,892
Loan loss allowance to noncurrent loans106.5081%3,141
Noncurrent assets plus other real estate owned to assets0.3335%3,106
Noncurrent loans to loans0.4485%2,906
Net loans and leases to total assets70.6413%2,142
Net loans and leases to deposits84.6490%2,146
Net loans and leases to core deposits104.4578%1,157
Total domestic deposits to total assets83.4520%2,960
Equity capital to assets11.3733%2,540
Core capital (leverage) ratio11.7677%1,889
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.7892%336
Memoranda:
Average total assets$248,494,5002,501
Average earning assets$229,698,0002,499
Average equity$28,236,5002,558
Average total loans$177,308,5002,388
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1398%3,953
Cost of funding earning assets1.2755%825
Net interest margin2.8643%4,695
Noninterest income to average assets0.2652%4,092
Noninterest expense to average assets2.1109%4,342
Loan and lease loss provision to assets0.0150%3,715
Net operating income to assets0.6259%4,084
Return on assets (ROA)0.6259%4,145
Pretax return on assets0.8036%3,962
Return on Equity (ROE)5.5932%4,038
Retained earnings to average equity (ytd only)5.5932%2,105
Net charge-offs to loans0.0632%2,196
Credit loss provision to net charge-offs32.7273%3,255
Earnings coverage of net charge-offs (x)17.8455%2,087
Efficiency ratio72.0000%1,868
Assets per employee ($millions)6.6320%1,218
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.4721%4,919
Loan loss allowance to noncurrent loans78.3631%3,622
Noncurrent assets plus other real estate owned to assets0.4780%2,498
Noncurrent loans to loans0.6024%2,378
Net loans and leases to total assets71.5679%2,155
Net loans and leases to deposits85.8822%2,105
Net loans and leases to core deposits105.7214%1,122
Total domestic deposits to total assets83.3327%3,091
Equity capital to assets11.2016%2,816
Core capital (leverage) ratio11.6110%2,034
Tier 1 risk-based capital ratio26.9936%616
Total risk-based capital ratio27.7734%635
Memoranda:
Average total assets$239,804,0002,526
Average earning assets$223,053,6002,512
Average equity$26,836,0002,574
Average total loans$174,141,0002,378
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1514%4,033
Cost of funding earning assets1.2531%903
Net interest margin2.8983%4,757
Noninterest income to average assets0.2573%4,200
Noninterest expense to average assets1.9848%4,584
Loan and lease loss provision to assets0.0101%3,687
Net operating income to assets0.7897%3,706
Return on assets (ROA)0.7897%3,779
Pretax return on assets0.9619%3,706
Return on Equity (ROE)7.0581%3,655
Retained earnings to average equity (ytd only)7.0581%1,835
Net charge-offs to loans0.0522%2,085
Credit loss provision to net charge-offs26.4706%2,933
Earnings coverage of net charge-offs (x)25.5601%1,767
Efficiency ratio67.0134%2,585
Assets per employee ($millions)6.7851%1,120
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.4918%4,981
Loan loss allowance to noncurrent loans126.3623%2,917
Noncurrent assets plus other real estate owned to assets0.3039%3,333
Noncurrent loans to loans0.3892%3,152
Net loans and leases to total assets69.1472%2,601
Net loans and leases to deposits82.6516%2,599
Net loans and leases to core deposits100.8324%1,592
Total domestic deposits to total assets83.6610%2,950
Equity capital to assets10.9142%3,177
Core capital (leverage) ratio11.8310%1,976
Tier 1 risk-based capital ratio27.4638%608
Total risk-based capital ratio28.2835%624
Memoranda:
Average total assets$238,408,7502,556
Average earning assets$222,057,7502,537
Average equity$26,673,2502,599
Average total loans$173,563,7502,415
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1858%3,959
Cost of funding earning assets1.2221%933
Net interest margin2.9637%4,741
Noninterest income to average assets0.2459%4,281
Noninterest expense to average assets1.9684%4,658
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.8523%3,462
Return on assets (ROA)0.8523%3,520
Pretax return on assets1.0402%3,415
Return on Equity (ROE)7.5517%3,473
Retained earnings to average equity (ytd only)7.5517%1,578
Net charge-offs to loans0.0173%2,533
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)81.2000%809
Efficiency ratio65.3704%2,911
Assets per employee ($millions)5.9838%1,558
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.5173%4,996
Loan loss allowance to noncurrent loans185.0622%2,268
Noncurrent assets plus other real estate owned to assets0.2315%3,645
Noncurrent loans to loans0.2795%3,532
Net loans and leases to total assets71.6749%2,253
Net loans and leases to deposits86.7009%2,171
Net loans and leases to core deposits107.0980%1,168
Total domestic deposits to total assets82.6691%3,316
Equity capital to assets11.2729%2,799
Core capital (leverage) ratio12.1032%1,756
Tier 1 risk-based capital ratio27.6660%580
Total risk-based capital ratio28.5370%590
Memoranda:
Average total assets$234,195,0002,585
Average earning assets$218,309,0002,575
Average equity$26,431,0002,603
Average total loans$173,267,6702,423
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2369%3,757
Cost of funding earning assets1.1582%1,021
Net interest margin3.0787%4,623
Noninterest income to average assets0.2245%4,399
Noninterest expense to average assets1.8755%4,831
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.9965%2,856
Return on assets (ROA)0.9965%2,894
Pretax return on assets1.2227%2,722
Return on Equity (ROE)8.8241%2,884
Retained earnings to average equity (ytd only)8.8241%1,380
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4794%3,745
Assets per employee ($millions)7.2904%879
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.5225%5,054
Loan loss allowance to noncurrent loans183.0645%2,327
Noncurrent assets plus other real estate owned to assets0.2126%3,773
Noncurrent loans to loans0.2854%3,540
Net loans and leases to total assets74.0970%1,783
Net loans and leases to deposits90.1333%1,611
Net loans and leases to core deposits110.6514%889
Total domestic deposits to total assets82.2082%3,672
Equity capital to assets11.3471%2,525
Core capital (leverage) ratio12.1984%1,665
Tier 1 risk-based capital ratio27.5808%587
Total risk-based capital ratio28.4780%593
Memoranda:
Average total assets$231,616,0002,629
Average earning assets$216,197,0002,619
Average equity$26,155,5002,627
Average total loans$173,677,5002,437
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1929%3,460
Cost of funding earning assets1.0256%681
Net interest margin3.1672%4,545
Noninterest income to average assets0.2922%4,152
Noninterest expense to average assets1.9998%4,753
Loan and lease loss provision to assets0.0320%3,545
Net operating income to assets1.0035%2,996
Return on assets (ROA)1.0035%2,980
Pretax return on assets1.1930%2,909
Return on Equity (ROE)8.9333%3,027
Retained earnings to average equity (ytd only)8.9333%890
Net charge-offs to loans0.0157%3,163
Credit loss provision to net charge-offs266.6667%1,122
Earnings coverage of net charge-offs (x)102.0000%734
Efficiency ratio61.9448%3,534
Assets per employee ($millions)7.2081%895
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.5231%5,096
Loan loss allowance to noncurrent loans137.7845%2,873
Noncurrent assets plus other real estate owned to assets0.2857%3,441
Noncurrent loans to loans0.3796%3,171
Net loans and leases to total assets74.8617%1,791
Net loans and leases to deposits91.6656%1,592
Net loans and leases to core deposits113.1997%822
Total domestic deposits to total assets81.6683%3,728
Equity capital to assets11.4337%2,307
Core capital (leverage) ratio11.8627%1,826
Tier 1 risk-based capital ratio26.5659%636
Total risk-based capital ratio27.4487%647
Memoranda:
Average total assets$224,818,6002,653
Average earning assets$208,161,8002,650
Average equity$25,253,8002,630
Average total loans$171,664,6002,426
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1475%3,472
Cost of funding earning assets0.9959%607
Net interest margin3.1516%4,612
Noninterest income to average assets0.2973%4,162
Noninterest expense to average assets1.9174%4,877
Loan and lease loss provision to assets0.0322%3,375
Net operating income to assets1.1067%2,635
Return on assets (ROA)1.1067%2,646
Pretax return on assets1.2643%2,750
Return on Equity (ROE)9.8981%2,664
Retained earnings to average equity (ytd only)9.8981%955
Net charge-offs to loans0.0086%3,112
Credit loss provision to net charge-offs490.9091%722
Earnings coverage of net charge-offs (x)197.4049%442
Efficiency ratio59.6025%3,865
Assets per employee ($millions)7.0580%914
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.5242%5,159
Loan loss allowance to noncurrent loans310.9966%1,611
Noncurrent assets plus other real estate owned to assets0.1249%4,337
Noncurrent loans to loans0.1686%4,135
Net loans and leases to total assets73.7331%2,030
Net loans and leases to deposits90.4020%1,839
Net loans and leases to core deposits111.0756%964
Total domestic deposits to total assets81.5614%3,719
Equity capital to assets11.1037%2,571
Core capital (leverage) ratio11.6839%2,018
Tier 1 risk-based capital ratio26.3614%657
Total risk-based capital ratio27.2475%668
Memoranda:
Average total assets$223,358,2502,683
Average earning assets$206,707,0002,677
Average equity$24,974,0002,662
Average total loans$171,184,7502,442
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1206%3,378
Cost of funding earning assets0.9521%576
Net interest margin3.1685%4,581
Noninterest income to average assets0.2843%4,279
Noninterest expense to average assets1.9448%4,892
Loan and lease loss provision to assets0.0327%3,260
Net operating income to assets1.1282%2,483
Return on assets (ROA)1.1282%2,489
Pretax return on assets1.2390%2,774
Return on Equity (ROE)10.0656%2,536
Retained earnings to average equity (ytd only)10.0656%910
Net charge-offs to loans0.0105%2,770
Credit loss provision to net charge-offs400.0000%813
Earnings coverage of net charge-offs (x)155.5556%506
Efficiency ratio60.4067%3,881
Assets per employee ($millions)6.3599%1,233
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.5175%5,235
Loan loss allowance to noncurrent loans352.7778%1,454
Noncurrent assets plus other real estate owned to assets0.1101%4,447
Noncurrent loans to loans0.1467%4,242
Net loans and leases to total assets74.6421%1,844
Net loans and leases to deposits91.9158%1,594
Net loans and leases to core deposits113.2419%824
Total domestic deposits to total assets81.2070%3,942
Equity capital to assets11.0383%2,604
Core capital (leverage) ratio11.6633%1,930
Tier 1 risk-based capital ratio26.0033%673
Total risk-based capital ratio26.8819%675
Memoranda:
Average total assets$220,173,3302,726
Average earning assets$203,757,3302,718
Average equity$24,678,0002,685
Average total loans$170,700,0002,454
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1387%3,092
Cost of funding earning assets0.9159%551
Net interest margin3.2228%4,392
Noninterest income to average assets0.2744%4,334
Noninterest expense to average assets1.9279%4,979
Loan and lease loss provision to assets0.0334%3,059
Net operating income to assets1.0529%2,631
Return on assets (ROA)1.0529%2,644
Pretax return on assets1.2939%2,389
Return on Equity (ROE)9.3189%2,753
Retained earnings to average equity (ytd only)9.3189%1,354
Net charge-offs to loans0.0141%2,261
Credit loss provision to net charge-offs300.0000%809
Earnings coverage of net charge-offs (x)119.3333%526
Efficiency ratio59.2255%4,175
Assets per employee ($millions)6.7800%1,053
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.5141%5,317
Loan loss allowance to noncurrent loans391.9283%1,345
Noncurrent assets plus other real estate owned to assets0.0997%4,589
Noncurrent loans to loans0.1312%4,378
Net loans and leases to total assets75.5970%1,606
Net loans and leases to deposits93.7142%1,254
Net loans and leases to core deposits111.5059%915
Total domestic deposits to total assets80.6677%4,281
Equity capital to assets11.0102%2,568
Core capital (leverage) ratio11.9449%1,681
Tier 1 risk-based capital ratio25.7947%702
Total risk-based capital ratio26.6711%713
Memoranda:
Average total assets$215,781,0002,791
Average earning assets$199,578,0002,790
Average equity$24,380,5002,733
Average total loans$170,156,0002,472
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0277%3,317
Cost of funding earning assets0.8038%605
Net interest margin3.2239%4,376
Noninterest income to average assets0.3209%4,168
Noninterest expense to average assets2.0440%4,887
Loan and lease loss provision to assets0.0347%3,573
Net operating income to assets1.0027%2,227
Return on assets (ROA)1.0027%2,265
Pretax return on assets1.2302%2,635
Return on Equity (ROE)9.0020%2,319
Retained earnings to average equity (ytd only)9.0020%505
Net charge-offs to loans0.0073%3,817
Credit loss provision to net charge-offs600.0000%539
Earnings coverage of net charge-offs (x)218.7500%369
Efficiency ratio61.7737%3,975
Assets per employee ($millions)6.4945%1,214
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.5068%5,379
Loan loss allowance to noncurrent loans368.8034%1,412
Noncurrent assets plus other real estate owned to assets0.1126%4,570
Noncurrent loans to loans0.1374%4,375
Net loans and leases to total assets81.5285%751
Net loans and leases to deposits103.0601%544
Net loans and leases to core deposits120.8575%562
Total domestic deposits to total assets79.1077%4,524
Equity capital to assets11.6094%2,109
Core capital (leverage) ratio12.1231%1,545
Tier 1 risk-based capital ratio25.5591%689
Total risk-based capital ratio26.4359%698
Memoranda:
Average total assets$207,529,4002,847
Average earning assets$192,343,8002,840
Average equity$23,117,0002,850
Average total loans$164,908,6002,486
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9772%3,434
Cost of funding earning assets0.7849%629
Net interest margin3.1923%4,467
Noninterest income to average assets0.3303%4,170
Noninterest expense to average assets1.9416%5,061
Loan and lease loss provision to assets0.0347%3,423
Net operating income to assets0.8027%3,513
Return on assets (ROA)0.8027%3,560
Pretax return on assets1.3156%2,415
Return on Equity (ROE)7.2833%3,501
Retained earnings to average equity (ytd only)7.2833%1,548
Net charge-offs to loans0.0041%3,597
Credit loss provision to net charge-offs1,080.0000%336
Earnings coverage of net charge-offs (x)419.9790%230
Efficiency ratio58.9809%4,359
Assets per employee ($millions)6.5209%1,169
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.5093%5,452
Loan loss allowance to noncurrent loans241.0765%1,918
Noncurrent assets plus other real estate owned to assets0.1893%4,346
Noncurrent loans to loans0.2113%4,224
Net loans and leases to total assets79.6641%1,035
Net loans and leases to deposits99.6290%770
Net loans and leases to core deposits115.9499%751
Total domestic deposits to total assets79.9607%4,322
Equity capital to assets11.2604%2,609
Core capital (leverage) ratio11.5765%1,965
Tier 1 risk-based capital ratio24.7662%779
Total risk-based capital ratio25.6416%791
Memoranda:
Average total assets$207,456,0002,869
Average earning assets$192,459,2502,870
Average equity$22,864,5002,894
Average total loans$163,561,2502,505
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9262%3,464
Cost of funding earning assets0.7651%634
Net interest margin3.1612%4,516
Noninterest income to average assets0.3226%4,247
Noninterest expense to average assets1.9483%5,088
Loan and lease loss provision to assets0.0348%3,296
Net operating income to assets0.7766%3,512
Return on assets (ROA)0.7766%3,560
Pretax return on assets1.2731%2,486
Return on Equity (ROE)7.0982%3,498
Retained earnings to average equity (ytd only)7.0982%1,547
Net charge-offs to loans0.0049%3,293
Credit loss provision to net charge-offs900.0000%413
Earnings coverage of net charge-offs (x)338.5000%253
Efficiency ratio59.8339%4,338
Assets per employee ($millions)6.0998%1,387
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.5112%5,507
Loan loss allowance to noncurrent loans1,142.4658%523
Noncurrent assets plus other real estate owned to assets0.0569%4,983
Noncurrent loans to loans0.0447%4,971
Net loans and leases to total assets78.2624%1,206
Net loans and leases to deposits96.5642%1,022
Net loans and leases to core deposits112.3937%881
Total domestic deposits to total assets81.0470%4,169
Equity capital to assets11.1171%2,685
Core capital (leverage) ratio11.4863%1,977
Tier 1 risk-based capital ratio24.7453%776
Total risk-based capital ratio25.6186%792
Memoranda:
Average total assets$207,051,3302,881
Average earning assets$192,143,6702,884
Average equity$22,653,6702,916
Average total loans$162,386,3302,528
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9064%3,375
Cost of funding earning assets0.7543%635
Net interest margin3.1521%4,494
Noninterest income to average assets0.3906%3,734
Noninterest expense to average assets1.9895%5,072
Loan and lease loss provision to assets0.0348%3,090
Net operating income to assets0.7927%3,255
Return on assets (ROA)0.7927%3,313
Pretax return on assets1.2993%2,237
Return on Equity (ROE)7.3043%3,265
Retained earnings to average equity (ytd only)7.3043%1,746
Net charge-offs to loans-0.0346%4,999
Credit loss provision to net charge-offs-128.5714%3,978
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8604%4,470
Assets per employee ($millions)6.5145%1,180
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.5153%5,585
Loan loss allowance to noncurrent loans1,017.0732%597
Noncurrent assets plus other real estate owned to assets0.0815%4,945
Noncurrent loans to loans0.0507%4,988
Net loans and leases to total assets77.2398%1,240
Net loans and leases to deposits95.1626%993
Net loans and leases to core deposits110.6516%849
Total domestic deposits to total assets81.1661%4,379
Equity capital to assets10.8680%2,779
Core capital (leverage) ratio11.3416%2,069
Tier 1 risk-based capital ratio24.8508%784
Total risk-based capital ratio25.7427%800
Memoranda:
Average total assets$206,881,0002,918
Average earning assets$192,507,0002,903
Average equity$22,452,5002,947
Average total loans$162,007,5002,551
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9767%3,282
Cost of funding earning assets0.7678%585
Net interest margin3.2089%4,425
Noninterest income to average assets0.3563%4,191
Noninterest expense to average assets2.3026%4,550
Loan and lease loss provision to assets0.0365%3,633
Net operating income to assets0.6837%3,853
Return on assets (ROA)0.6837%3,967
Pretax return on assets1.0314%3,358
Return on Equity (ROE)6.3416%3,819
Retained earnings to average equity (ytd only)6.3416%1,530
Net charge-offs to loans0.0418%3,196
Credit loss provision to net charge-offs107.4627%2,433
Earnings coverage of net charge-offs (x)31.4478%1,390
Efficiency ratio68.2556%3,196
Assets per employee ($millions)6.8432%986
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.4946%5,665
Loan loss allowance to noncurrent loans316.9960%1,565
Noncurrent assets plus other real estate owned to assets0.1685%4,647
Noncurrent loans to loans0.1560%4,613
Net loans and leases to total assets78.5988%1,106
Net loans and leases to deposits96.7955%927
Net loans and leases to core deposits112.8059%741
Total domestic deposits to total assets81.2009%4,286
Equity capital to assets10.8375%2,776
Core capital (leverage) ratio11.3218%2,064
Tier 1 risk-based capital ratio24.3144%839
Total risk-based capital ratio25.1685%854
Memoranda:
Average total assets$197,296,4002,983
Average earning assets$185,330,8002,952
Average equity$21,272,4003,040
Average total loans$160,270,6002,518
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0044%3,217
Cost of funding earning assets0.7677%586
Net interest margin3.2367%4,384
Noninterest income to average assets0.3379%4,364
Noninterest expense to average assets2.1853%4,804
Loan and lease loss provision to assets0.0369%3,514
Net operating income to assets0.7100%3,790
Return on assets (ROA)0.7100%3,928
Pretax return on assets1.1640%2,987
Return on Equity (ROE)6.5941%3,778
Retained earnings to average equity (ytd only)6.5941%1,850
Net charge-offs to loans0.0459%2,732
Credit loss provision to net charge-offs98.1818%2,408
Earnings coverage of net charge-offs (x)31.9824%1,424
Efficiency ratio64.4758%3,856
Assets per employee ($millions)6.0333%1,410
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.4922%5,735
Loan loss allowance to noncurrent loans330.2905%1,499
Noncurrent assets plus other real estate owned to assets0.1954%4,651
Noncurrent loans to loans0.1490%4,748
Net loans and leases to total assets80.8220%780
Net loans and leases to deposits98.4732%813
Net loans and leases to core deposits116.7819%624
Total domestic deposits to total assets82.0752%3,918
Equity capital to assets10.8268%3,222
Core capital (leverage) ratio11.3763%2,131
Tier 1 risk-based capital ratio24.7369%841
Total risk-based capital ratio25.6113%856
Memoranda:
Average total assets$195,296,2503,014
Average earning assets$183,927,5002,984
Average equity$21,028,2503,091
Average total loans$159,797,5002,526
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9992%3,249
Cost of funding earning assets0.7719%562
Net interest margin3.2274%4,457
Noninterest income to average assets0.3340%4,395
Noninterest expense to average assets2.1883%4,867
Loan and lease loss provision to assets0.0371%3,418
Net operating income to assets0.7020%3,775
Return on assets (ROA)0.7020%3,928
Pretax return on assets1.1514%2,983
Return on Equity (ROE)6.5316%3,788
Retained earnings to average equity (ytd only)6.5316%1,861
Net charge-offs to loans-0.0013%4,331
Credit loss provision to net charge-offs-3,600.0000%5,286
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7436%3,890
Assets per employee ($millions)5.3218%1,962
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.5167%5,784
Loan loss allowance to noncurrent loans185.7461%2,434
Noncurrent assets plus other real estate owned to assets0.2488%4,500
Noncurrent loans to loans0.2782%4,372
Net loans and leases to total assets81.5430%677
Net loans and leases to deposits98.9743%789
Net loans and leases to core deposits117.3080%601
Total domestic deposits to total assets82.3880%3,878
Equity capital to assets10.7681%3,320
Core capital (leverage) ratio11.3867%2,074
Tier 1 risk-based capital ratio24.5600%848
Total risk-based capital ratio25.4843%865
Memoranda:
Average total assets$194,029,0003,051
Average earning assets$182,936,3303,010
Average equity$20,852,3303,111
Average total loans$159,159,6702,542
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0414%3,061
Cost of funding earning assets0.7740%567
Net interest margin3.2674%4,339
Noninterest income to average assets0.2575%4,892
Noninterest expense to average assets2.1829%4,945
Loan and lease loss provision to assets0.0374%3,160
Net operating income to assets0.6854%3,790
Return on assets (ROA)0.6854%3,904
Pretax return on assets1.1236%2,997
Return on Equity (ROE)6.3839%3,786
Retained earnings to average equity (ytd only)6.3839%2,190
Net charge-offs to loans-0.0025%4,146
Credit loss provision to net charge-offs-1,800.0000%4,861
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2174%3,940
Assets per employee ($millions)5.6717%1,688
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.5176%5,847
Loan loss allowance to noncurrent loans277.5510%1,713
Noncurrent assets plus other real estate owned to assets0.1727%4,877
Noncurrent loans to loans0.1865%4,744
Net loans and leases to total assets81.3273%646
Net loans and leases to deposits98.4272%727
Net loans and leases to core deposits117.5399%548
Total domestic deposits to total assets82.6269%4,027
Equity capital to assets10.8132%3,152
Core capital (leverage) ratio11.3766%2,071
Tier 1 risk-based capital ratio24.7551%839
Total risk-based capital ratio25.6813%858
Memoranda:
Average total assets$192,590,5003,071
Average earning assets$181,916,0003,025
Average equity$20,677,0003,131
Average total loans$158,041,0002,548
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9942%3,330
Cost of funding earning assets0.7399%669
Net interest margin3.2543%4,458
Noninterest income to average assets0.3866%4,145
Noninterest expense to average assets2.2204%5,007
Loan and lease loss provision to assets0.0378%3,591
Net operating income to assets0.7590%3,532
Return on assets (ROA)0.7590%3,628
Pretax return on assets1.2034%2,649
Return on Equity (ROE)7.0086%3,511
Retained earnings to average equity (ytd only)7.0086%1,277
Net charge-offs to loans0.0104%4,106
Credit loss provision to net charge-offs450.0000%680
Earnings coverage of net charge-offs (x)147.6875%427
Efficiency ratio64.0819%4,243
Assets per employee ($millions)6.0468%1,353
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.5030%5,917
Loan loss allowance to noncurrent loans166.3883%2,607
Noncurrent assets plus other real estate owned to assets0.2600%4,551
Noncurrent loans to loans0.3023%4,374
Net loans and leases to total assets81.4680%645
Net loans and leases to deposits99.1571%741
Net loans and leases to core deposits118.2455%533
Total domestic deposits to total assets82.1605%4,126
Equity capital to assets10.9531%2,870
Core capital (leverage) ratio11.2325%2,176
Tier 1 risk-based capital ratio24.3999%875
Total risk-based capital ratio25.3053%906
Memoranda:
Average total assets$190,371,0003,047
Average earning assets$179,884,8003,001
Average equity$20,617,6003,113
Average total loans$154,221,4002,540
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9989%3,352
Cost of funding earning assets0.7371%696
Net interest margin3.2617%4,485
Noninterest income to average assets0.4241%3,908
Noninterest expense to average assets2.1323%5,210
Loan and lease loss provision to assets0.0380%3,451
Net operating income to assets1.0479%2,226
Return on assets (ROA)1.0479%2,328
Pretax return on assets1.3376%2,256
Return on Equity (ROE)9.7034%2,217
Retained earnings to average equity (ytd only)9.7034%692
Net charge-offs to loans0.0113%3,781
Credit loss provision to net charge-offs415.3846%742
Earnings coverage of net charge-offs (x)150.4864%469
Efficiency ratio60.7859%4,779
Assets per employee ($millions)5.8049%1,504
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.5029%6,017
Loan loss allowance to noncurrent loans432.5967%1,166
Noncurrent assets plus other real estate owned to assets0.1519%5,155
Noncurrent loans to loans0.1163%5,165
Net loans and leases to total assets80.8658%713
Net loans and leases to deposits97.7122%840
Net loans and leases to core deposits116.3662%575
Total domestic deposits to total assets82.7592%3,898
Equity capital to assets11.1018%2,902
Core capital (leverage) ratio11.2041%2,293
Tier 1 risk-based capital ratio25.0253%853
Total risk-based capital ratio25.9357%872
Memoranda:
Average total assets$189,589,2503,084
Average earning assets$179,245,7503,031
Average equity$20,473,5003,154
Average total loans$153,167,7502,563
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9950%3,314
Cost of funding earning assets0.7278%728
Net interest margin3.2672%4,430
Noninterest income to average assets0.4668%3,580
Noninterest expense to average assets2.1828%5,161
Loan and lease loss provision to assets0.0381%3,355
Net operating income to assets0.8987%2,884
Return on assets (ROA)0.8987%3,007
Pretax return on assets1.3349%2,229
Return on Equity (ROE)8.4022%2,848
Retained earnings to average equity (ytd only)8.4022%1,119
Net charge-offs to loans0.0171%3,370
Credit loss provision to net charge-offs276.9231%980
Earnings coverage of net charge-offs (x)99.7692%600
Efficiency ratio61.3278%4,783
Assets per employee ($millions)5.3360%1,895
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.4980%6,089
Loan loss allowance to noncurrent loans325.1064%1,509
Noncurrent assets plus other real estate owned to assets0.1504%5,270
Noncurrent loans to loans0.1532%5,137
Net loans and leases to total assets79.4670%874
Net loans and leases to deposits95.8665%975
Net loans and leases to core deposits113.2945%697
Total domestic deposits to total assets82.8934%3,989
Equity capital to assets10.7259%3,190
Core capital (leverage) ratio10.8685%2,547
Tier 1 risk-based capital ratio23.9687%956
Total risk-based capital ratio24.8456%982
Memoranda:
Average total assets$188,931,3303,117
Average earning assets$178,625,3303,060
Average equity$20,209,0003,197
Average total loans$152,326,3302,589
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0561%3,022
Cost of funding earning assets0.7249%756
Net interest margin3.3311%4,090
Noninterest income to average assets0.7110%2,124
Noninterest expense to average assets2.2034%5,133
Loan and lease loss provision to assets0.0384%3,138
Net operating income to assets1.0825%1,930
Return on assets (ROA)1.0825%2,045
Pretax return on assets1.6184%1,226
Return on Equity (ROE)10.1342%1,941
Retained earnings to average equity (ytd only)10.1342%890
Net charge-offs to loans0.0026%3,230
Credit loss provision to net charge-offs1,800.0000%216
Earnings coverage of net charge-offs (x)776.0000%56
Efficiency ratio57.0243%5,434
Assets per employee ($millions)5.7515%1,588
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.5002%6,166
Loan loss allowance to noncurrent loans220.9913%2,043
Noncurrent assets plus other real estate owned to assets0.4378%4,285
Noncurrent loans to loans0.2263%4,960
Net loans and leases to total assets79.4446%746
Net loans and leases to deposits95.3129%881
Net loans and leases to core deposits112.7685%619
Total domestic deposits to total assets83.3513%4,067
Equity capital to assets10.6818%3,335
Core capital (leverage) ratio10.6745%2,774
Tier 1 risk-based capital ratio23.4701%1,050
Total risk-based capital ratio24.3520%1,073
Memoranda:
Average total assets$187,349,0003,151
Average earning assets$177,118,0003,091
Average equity$20,011,5003,237
Average total loans$151,781,0002,599
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2068%2,932
Cost of funding earning assets0.7680%771
Net interest margin3.4388%4,026
Noninterest income to average assets0.3376%4,695
Noninterest expense to average assets2.4130%4,809
Loan and lease loss provision to assets0.0400%3,773
Net operating income to assets0.7380%3,694
Return on assets (ROA)0.7380%3,798
Pretax return on assets1.1317%2,957
Return on Equity (ROE)6.8330%3,729
Retained earnings to average equity (ytd only)6.8330%1,483
Net charge-offs to loans0.0147%4,585
Credit loss provision to net charge-offs327.2727%802
Earnings coverage of net charge-offs (x)95.7727%546
Efficiency ratio67.2510%4,022
Assets per employee ($millions)5.4562%1,808
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.4874%6,270
Loan loss allowance to noncurrent loans129.5455%3,131
Noncurrent assets plus other real estate owned to assets0.5892%3,819
Noncurrent loans to loans0.3763%4,513
Net loans and leases to total assets81.5471%569
Net loans and leases to deposits98.5088%719
Net loans and leases to core deposits114.6993%568
Total domestic deposits to total assets82.7815%4,156
Equity capital to assets10.8436%3,066
Core capital (leverage) ratio10.8000%2,613
Tier 1 risk-based capital ratio23.9081%967
Total risk-based capital ratio24.7924%983
Memoranda:
Average total assets$179,815,6003,208
Average earning assets$169,795,2003,158
Average equity$19,420,4003,226
Average total loans$149,357,6002,581
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2406%2,838
Cost of funding earning assets0.7793%765
Net interest margin3.4613%3,974
Noninterest income to average assets0.3296%4,798
Noninterest expense to average assets2.3057%5,083
Loan and lease loss provision to assets0.0404%3,604
Net operating income to assets0.7646%3,598
Return on assets (ROA)0.7646%3,695
Pretax return on assets1.2534%2,561
Return on Equity (ROE)7.0868%3,664
Retained earnings to average equity (ytd only)7.0868%1,774
Net charge-offs to loans0.0179%4,171
Credit loss provision to net charge-offs270.0000%990
Earnings coverage of net charge-offs (x)86.5369%654
Efficiency ratio63.9950%4,541
Assets per employee ($millions)5.1871%2,032
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.4812%6,358
Loan loss allowance to noncurrent loans74.9741%4,336
Noncurrent assets plus other real estate owned to assets0.7194%3,656
Noncurrent loans to loans0.6419%4,012
Net loans and leases to total assets82.5826%451
Net loans and leases to deposits100.0053%616
Net loans and leases to core deposits115.1319%545
Total domestic deposits to total assets82.5782%4,274
Equity capital to assets10.9018%3,066
Core capital (leverage) ratio10.8676%2,611
Tier 1 risk-based capital ratio23.6906%1,024
Total risk-based capital ratio24.5611%1,061
Memoranda:
Average total assets$178,392,0003,250
Average earning assets$168,525,2503,203
Average equity$19,246,5003,261
Average total loans$148,692,2502,600
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2373%2,819
Cost of funding earning assets0.7973%719
Net interest margin3.4400%4,013
Noninterest income to average assets0.2966%5,040
Noninterest expense to average assets2.3446%5,042
Loan and lease loss provision to assets0.0406%3,502
Net operating income to assets0.7082%3,794
Return on assets (ROA)0.7082%3,889
Pretax return on assets1.1616%2,828
Return on Equity (ROE)6.5881%3,843
Retained earnings to average equity (ytd only)6.5881%1,987
Net charge-offs to loans0.0041%4,242
Credit loss provision to net charge-offs1,200.0000%287
Earnings coverage of net charge-offs (x)355.3333%193
Efficiency ratio66.0413%4,361
Assets per employee ($millions)4.8737%2,374
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.4897%6,426
Loan loss allowance to noncurrent loans114.7385%3,328
Noncurrent assets plus other real estate owned to assets0.5340%4,398
Noncurrent loans to loans0.4268%4,712
Net loans and leases to total assets81.5790%509
Net loans and leases to deposits97.5265%696
Net loans and leases to core deposits110.2824%685
Total domestic deposits to total assets83.6480%4,055
Equity capital to assets10.7599%3,136
Core capital (leverage) ratio10.7222%2,696
Tier 1 risk-based capital ratio23.7952%1,013
Total risk-based capital ratio24.6862%1,040
Memoranda:
Average total assets$177,340,0003,280
Average earning assets$167,558,6703,223
Average equity$19,064,6703,277
Average total loans$148,039,0002,608
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2874%2,570
Cost of funding earning assets0.8185%677
Net interest margin3.4689%3,827
Noninterest income to average assets0.2502%5,363
Noninterest expense to average assets2.3839%4,976
Loan and lease loss provision to assets0.0409%3,267
Net operating income to assets0.6733%3,827
Return on assets (ROA)0.6733%3,909
Pretax return on assets1.1032%2,888
Return on Equity (ROE)6.2660%3,873
Retained earnings to average equity (ytd only)6.2660%2,397
Net charge-offs to loans-0.0135%5,166
Credit loss provision to net charge-offs-360.0000%5,102
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5048%4,270
Assets per employee ($millions)5.1624%2,050
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.4819%6,517
Loan loss allowance to noncurrent loans133.4579%2,908
Noncurrent assets plus other real estate owned to assets0.5407%4,526
Noncurrent loans to loans0.3611%5,041
Net loans and leases to total assets84.0098%235
Net loans and leases to deposits101.0998%397
Net loans and leases to core deposits113.0748%491
Total domestic deposits to total assets83.0959%4,578
Equity capital to assets10.8535%2,873
Core capital (leverage) ratio10.8267%2,564
Tier 1 risk-based capital ratio23.5445%1,070
Total risk-based capital ratio24.4291%1,102
Memoranda:
Average total assets$175,846,5003,321
Average earning assets$166,162,5003,266
Average equity$18,895,5003,293
Average total loans$148,142,0002,610
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4765%2,300
Cost of funding earning assets0.8991%738
Net interest margin3.5774%3,560
Noninterest income to average assets0.2458%5,584
Noninterest expense to average assets2.2831%5,422
Loan and lease loss provision to assets0.0414%4,287
Net operating income to assets0.8207%3,184
Return on assets (ROA)0.8207%3,278
Pretax return on assets1.3059%2,124
Return on Equity (ROE)7.9498%3,048
Retained earnings to average equity (ytd only)7.9498%1,068
Net charge-offs to loans0.0115%5,224
Credit loss provision to net charge-offs423.5294%541
Earnings coverage of net charge-offs (x)137.7059%336
Efficiency ratio62.8884%5,074
Assets per employee ($millions)5.1816%1,974
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.4665%6,594
Loan loss allowance to noncurrent loans68.2806%4,531
Noncurrent assets plus other real estate owned to assets0.7930%3,903
Noncurrent loans to loans0.6832%4,265
Net loans and leases to total assets83.6819%276
Net loans and leases to deposits100.7579%447
Net loans and leases to core deposits112.6482%511
Total domestic deposits to total assets83.0525%4,530
Equity capital to assets10.6378%2,991
Core capital (leverage) ratio10.6185%2,762
Tier 1 risk-based capital ratio22.9852%1,100
Total risk-based capital ratio23.8343%1,141
Memoranda:
Average total assets$173,752,2003,348
Average earning assets$164,392,6003,285
Average equity$17,937,6003,427
Average total loans$147,438,0002,592
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5278%2,127
Cost of funding earning assets0.9111%773
Net interest margin3.6167%3,379
Noninterest income to average assets0.2610%5,581
Noninterest expense to average assets2.3301%5,243
Loan and lease loss provision to assets0.0416%4,176
Net operating income to assets0.8008%3,338
Return on assets (ROA)0.8008%3,472
Pretax return on assets1.3129%2,290
Return on Equity (ROE)7.8178%3,217
Retained earnings to average equity (ytd only)7.8178%1,491
Net charge-offs to loans0.0045%5,100
Credit loss provision to net charge-offs1,080.0000%286
Earnings coverage of net charge-offs (x)351.6147%168
Efficiency ratio63.2393%4,934
Assets per employee ($millions)5.0618%2,092
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.4647%6,679
Loan loss allowance to noncurrent loans66.8945%4,545
Noncurrent assets plus other real estate owned to assets0.8681%3,939
Noncurrent loans to loans0.6946%4,466
Net loans and leases to total assets85.2605%179
Net loans and leases to deposits102.2679%367
Net loans and leases to core deposits111.3662%525
Total domestic deposits to total assets83.3697%4,436
Equity capital to assets10.6007%3,158
Core capital (leverage) ratio10.6454%2,844
Tier 1 risk-based capital ratio22.6283%1,208
Total risk-based capital ratio23.4743%1,256
Memoranda:
Average total assets$173,147,0003,388
Average earning assets$163,902,7503,321
Average equity$17,736,7503,498
Average total loans$147,268,5002,611
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5721%1,937
Cost of funding earning assets0.9310%771
Net interest margin3.6411%3,205
Noninterest income to average assets0.2709%5,517
Noninterest expense to average assets2.3839%5,099
Loan and lease loss provision to assets0.0415%4,122
Net operating income to assets0.7896%3,352
Return on assets (ROA)0.7896%3,511
Pretax return on assets1.2946%2,318
Return on Equity (ROE)7.7984%3,194
Retained earnings to average equity (ytd only)7.7984%1,568
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0843%4,859
Assets per employee ($millions)4.5003%2,813
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.4591%6,735
Loan loss allowance to noncurrent loans146.0870%2,573
Noncurrent assets plus other real estate owned to assets0.6216%4,677
Noncurrent loans to loans0.3142%5,511
Net loans and leases to total assets85.2076%176
Net loans and leases to deposits100.3112%408
Net loans and leases to core deposits108.8668%610
Total domestic deposits to total assets84.9432%3,913
Equity capital to assets10.4665%3,348
Core capital (leverage) ratio10.5056%2,872
Tier 1 risk-based capital ratio22.5386%1,199
Total risk-based capital ratio23.3817%1,236
Memoranda:
Average total assets$173,495,3303,401
Average earning assets$164,345,3303,334
Average equity$17,567,6703,543
Average total loans$147,218,0002,615
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6105%1,800
Cost of funding earning assets0.9593%750
Net interest margin3.6512%3,071
Noninterest income to average assets0.2724%5,502
Noninterest expense to average assets2.3807%5,181
Loan and lease loss provision to assets0.0412%3,912
Net operating income to assets0.7989%3,176
Return on assets (ROA)0.7989%3,307
Pretax return on assets1.3094%2,200
Return on Equity (ROE)8.0221%2,962
Retained earnings to average equity (ytd only)8.0221%1,747
Net charge-offs to loans-0.0108%5,469
Credit loss provision to net charge-offs-450.0000%5,448
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8037%5,036
Assets per employee ($millions)4.9914%2,223
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.4487%6,828
Loan loss allowance to noncurrent loans80.9348%3,921
Noncurrent assets plus other real estate owned to assets0.6279%4,815
Noncurrent loans to loans0.5543%5,053
Net loans and leases to total assets83.5740%207
Net loans and leases to deposits98.4963%420
Net loans and leases to core deposits107.0364%601
Total domestic deposits to total assets84.8499%4,117
Equity capital to assets10.0602%4,065
Core capital (leverage) ratio10.0911%3,284
Tier 1 risk-based capital ratio21.8137%1,369
Total risk-based capital ratio22.6279%1,428
Memoranda:
Average total assets$174,736,5003,415
Average earning assets$165,536,5003,355
Average equity$17,402,0003,606
Average total loans$147,633,0002,623
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8436%2,044
Cost of funding earning assets1.1986%585
Net interest margin3.6450%3,902
Noninterest income to average assets0.2965%5,348
Noninterest expense to average assets2.4536%5,241
Loan and lease loss provision to assets0.0415%5,337
Net operating income to assets0.8179%3,201
Return on assets (ROA)0.8179%3,445
Pretax return on assets1.2603%2,567
Return on Equity (ROE)8.5661%2,840
Retained earnings to average equity (ytd only)8.5661%943
Net charge-offs to loans0.0103%5,788
Credit loss provision to net charge-offs480.0000%507
Earnings coverage of net charge-offs (x)150.4667%281
Efficiency ratio65.3356%4,640
Assets per employee ($millions)5.8258%1,412
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.4280%6,878
Loan loss allowance to noncurrent loans47.2862%5,262
Noncurrent assets plus other real estate owned to assets0.9389%4,152
Noncurrent loans to loans0.9051%4,376
Net loans and leases to total assets84.6631%187
Net loans and leases to deposits100.0007%413
Net loans and leases to core deposits108.9666%571
Total domestic deposits to total assets84.6625%4,007
Equity capital to assets9.8579%4,367
Core capital (leverage) ratio9.8871%3,562
Tier 1 risk-based capital ratio20.8062%1,501
Total risk-based capital ratio21.5720%1,572
Memoranda:
Average total assets$173,377,6003,396
Average earning assets$164,525,2003,313
Average equity$16,553,6003,692
Average total loans$145,479,8002,641
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8641%2,140
Cost of funding earning assets1.2367%585
Net interest margin3.6274%4,116
Noninterest income to average assets0.3013%5,370
Noninterest expense to average assets2.3117%5,656
Loan and lease loss provision to assets0.0416%5,255
Net operating income to assets0.8492%3,221
Return on assets (ROA)0.8492%3,472
Pretax return on assets1.3924%2,262
Return on Equity (ROE)8.9675%2,820
Retained earnings to average equity (ytd only)8.9675%1,241
Net charge-offs to loans0.0018%5,751
Credit loss provision to net charge-offs2,700.0000%101
Earnings coverage of net charge-offs (x)929.3146%43
Efficiency ratio61.7157%5,200
Assets per employee ($millions)4.4844%2,940
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.4297%6,993
Loan loss allowance to noncurrent loans58.2641%4,732
Noncurrent assets plus other real estate owned to assets0.6495%5,054
Noncurrent loans to loans0.7375%4,947
Net loans and leases to total assets83.6053%246
Net loans and leases to deposits98.4408%519
Net loans and leases to core deposits107.4508%675
Total domestic deposits to total assets84.9296%3,770
Equity capital to assets9.6900%4,937
Core capital (leverage) ratio9.7003%3,958
Tier 1 risk-based capital ratio20.7361%1,590
Total risk-based capital ratio21.5073%1,665
Memoranda:
Average total assets$173,028,5003,438
Average earning assets$164,303,0003,350
Average equity$16,384,7503,755
Average total loans$144,698,5002,679
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8504%2,304
Cost of funding earning assets1.2792%576
Net interest margin3.5712%4,381
Noninterest income to average assets0.3039%5,377
Noninterest expense to average assets2.3189%5,679
Loan and lease loss provision to assets0.0418%5,151
Net operating income to assets0.8144%3,336
Return on assets (ROA)0.8144%3,590
Pretax return on assets1.3341%2,443
Return on Equity (ROE)8.6681%2,956
Retained earnings to average equity (ytd only)8.6681%1,390
Net charge-offs to loans-0.0181%6,403
Credit loss provision to net charge-offs-276.9231%6,196
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7630%5,122
Assets per employee ($millions)4.7134%2,552
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.4340%7,061
Loan loss allowance to noncurrent loans54.8472%4,870
Noncurrent assets plus other real estate owned to assets0.6720%5,093
Noncurrent loans to loans0.7913%4,931
Net loans and leases to total assets82.6137%298
Net loans and leases to deposits95.8494%643
Net loans and leases to core deposits104.5067%824
Total domestic deposits to total assets86.1912%3,256
Equity capital to assets9.4899%5,079
Core capital (leverage) ratio9.4985%4,143
Tier 1 risk-based capital ratio20.4357%1,594
Total risk-based capital ratio21.2105%1,681
Memoranda:
Average total assets$172,407,3303,466
Average earning assets$163,697,3303,366
Average equity$16,197,3303,775
Average total loans$143,981,3302,705
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8973%2,253
Cost of funding earning assets1.3312%555
Net interest margin3.5661%4,416
Noninterest income to average assets0.3057%5,439
Noninterest expense to average assets2.3755%5,553
Loan and lease loss provision to assets0.0420%4,867
Net operating income to assets0.7794%3,476
Return on assets (ROA)0.7794%3,715
Pretax return on assets1.2764%2,624
Return on Equity (ROE)8.3391%3,126
Retained earnings to average equity (ytd only)8.3391%1,843
Net charge-offs to loans-0.0306%6,346
Credit loss provision to net charge-offs-163.6364%5,560
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3083%4,870
Assets per employee ($millions)5.0517%2,192
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.4239%7,118
Loan loss allowance to noncurrent loans98.3819%3,113
Noncurrent assets plus other real estate owned to assets0.3598%5,982
Noncurrent loans to loans0.4309%5,806
Net loans and leases to total assets83.1531%213
Net loans and leases to deposits96.7858%492
Net loans and leases to core deposits105.4037%699
Total domestic deposits to total assets85.9146%3,581
Equity capital to assets9.4237%4,915
Core capital (leverage) ratio9.4301%4,151
Tier 1 risk-based capital ratio20.1155%1,679
Total risk-based capital ratio20.8706%1,779
Memoranda:
Average total assets$171,413,0003,495
Average earning assets$162,865,5003,395
Average equity$16,021,0003,813
Average total loans$143,620,5002,727
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0106%2,829
Cost of funding earning assets1.5758%523
Net interest margin3.4348%5,381
Noninterest income to average assets0.4637%4,105
Noninterest expense to average assets2.5807%5,168
Loan and lease loss provision to assets0.0429%6,040
Net operating income to assets0.7492%3,263
Return on assets (ROA)0.7492%3,430
Pretax return on assets1.1205%2,762
Return on Equity (ROE)8.1609%2,825
Retained earnings to average equity (ytd only)8.1609%1,027
Net charge-offs to loans0.0148%6,231
Credit loss provision to net charge-offs342.8571%671
Earnings coverage of net charge-offs (x)92.9524%326
Efficiency ratio68.9271%4,171
Assets per employee ($millions)5.1838%1,959
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.4026%7,166
Loan loss allowance to noncurrent loans57.4975%4,638
Noncurrent assets plus other real estate owned to assets0.6120%5,430
Noncurrent loans to loans0.7002%5,298
Net loans and leases to total assets83.7280%220
Net loans and leases to deposits97.4201%593
Net loans and leases to core deposits104.7263%856
Total domestic deposits to total assets85.9453%3,352
Equity capital to assets9.2689%5,185
Core capital (leverage) ratio9.9698%3,376
Tier 1 risk-based capital ratio20.4236%1,538
Total risk-based capital ratio21.1172%1,638
Memoranda:
Average total assets$167,787,0003,522
Average earning assets$160,240,4003,400
Average equity$15,402,8003,836
Average total loans$141,837,4002,757
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0627%2,789
Cost of funding earning assets1.6229%528
Net interest margin3.4398%5,430
Noninterest income to average assets0.4448%4,333
Noninterest expense to average assets2.3054%6,015
Loan and lease loss provision to assets0.0431%5,900
Net operating income to assets0.8441%2,968
Return on assets (ROA)0.8441%3,117
Pretax return on assets1.3831%1,989
Return on Equity (ROE)9.2174%2,498
Retained earnings to average equity (ytd only)9.2174%1,071
Net charge-offs to loans0.0245%5,801
Credit loss provision to net charge-offs207.6923%1,408
Earnings coverage of net charge-offs (x)68.6839%479
Efficiency ratio61.7804%5,446
Assets per employee ($millions)4.9289%2,284
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.3859%7,240
Loan loss allowance to noncurrent loans108.5938%2,754
Noncurrent assets plus other real estate owned to assets0.3294%6,249
Noncurrent loans to loans0.3554%6,142
Net loans and leases to total assets85.6352%139
Net loans and leases to deposits100.4480%454
Net loans and leases to core deposits105.0478%916
Total domestic deposits to total assets85.2533%3,645
Equity capital to assets9.4383%5,182
Core capital (leverage) ratio10.0596%3,360
Tier 1 risk-based capital ratio20.1685%1,646
Total risk-based capital ratio20.8340%1,760
Memoranda:
Average total assets$166,967,0003,561
Average earning assets$159,541,5003,434
Average equity$15,289,5003,865
Average total loans$141,344,2502,785
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0497%2,929
Cost of funding earning assets1.6448%577
Net interest margin3.4049%5,540
Noninterest income to average assets0.4054%4,633
Noninterest expense to average assets2.3962%5,856
Loan and lease loss provision to assets0.0432%5,774
Net operating income to assets0.7484%3,302
Return on assets (ROA)0.7484%3,425
Pretax return on assets1.2257%2,385
Return on Equity (ROE)8.2574%2,831
Retained earnings to average equity (ytd only)8.2574%1,364
Net charge-offs to loans0.0356%5,355
Credit loss provision to net charge-offs144.0000%2,124
Earnings coverage of net charge-offs (x)42.3200%715
Efficiency ratio65.3796%4,986
Assets per employee ($millions)4.7859%2,422
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.3793%7,305
Loan loss allowance to noncurrent loans107.3705%2,683
Noncurrent assets plus other real estate owned to assets0.3236%6,318
Noncurrent loans to loans0.3533%6,215
Net loans and leases to total assets84.5104%212
Net loans and leases to deposits99.1143%537
Net loans and leases to core deposits103.6553%1,063
Total domestic deposits to total assets85.2656%3,746
Equity capital to assets9.1847%5,304
Core capital (leverage) ratio9.8052%3,515
Tier 1 risk-based capital ratio19.8922%1,629
Total risk-based capital ratio20.5453%1,733
Memoranda:
Average total assets$166,761,6703,588
Average earning assets$159,651,6703,454
Average equity$15,113,6703,887
Average total loans$140,437,0002,837
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1013%2,645
Cost of funding earning assets1.6636%645
Net interest margin3.4377%5,277
Noninterest income to average assets0.3774%4,898
Noninterest expense to average assets2.4761%5,639
Loan and lease loss provision to assets0.0433%5,450
Net operating income to assets0.7020%3,512
Return on assets (ROA)0.7020%3,579
Pretax return on assets1.1515%2,555
Return on Equity (ROE)7.7981%3,004
Retained earnings to average equity (ytd only)7.7981%1,808
Net charge-offs to loans0.0544%4,391
Credit loss provision to net charge-offs94.7368%2,854
Earnings coverage of net charge-offs (x)26.1579%932
Efficiency ratio67.4525%4,764
Assets per employee ($millions)4.7207%2,534
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.3782%7,356
Loan loss allowance to noncurrent loans218.6722%1,384
Noncurrent assets plus other real estate owned to assets0.1925%6,675
Noncurrent loans to loans0.1730%6,617
Net loans and leases to total assets84.0169%228
Net loans and leases to deposits98.9268%526
Net loans and leases to core deposits103.5430%1,088
Total domestic deposits to total assets84.9284%4,065
Equity capital to assets9.1518%4,955
Core capital (leverage) ratio9.7393%3,474
Tier 1 risk-based capital ratio19.6999%1,649
Total risk-based capital ratio20.3454%1,742
Memoranda:
Average total assets$166,389,5003,614
Average earning assets$159,410,5003,479
Average equity$14,978,0003,906
Average total loans$139,606,0002,899
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3063%3,108
Cost of funding earning assets1.8348%1,048
Net interest margin3.4715%5,356
Noninterest income to average assets0.4834%4,297
Noninterest expense to average assets2.6199%5,333
Loan and lease loss provision to assets0.0439%6,723
Net operating income to assets0.7748%2,901
Return on assets (ROA)0.7748%3,031
Pretax return on assets1.1503%2,394
Return on Equity (ROE)8.9003%2,332
Retained earnings to average equity (ytd only)8.9003%732
Net charge-offs to loans0.0161%6,661
Credit loss provision to net charge-offs327.2727%787
Earnings coverage of net charge-offs (x)89.0455%277
Efficiency ratio68.6911%4,429
Assets per employee ($millions)4.7873%2,434
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.3768%7,441
Loan loss allowance to noncurrent loans134.7826%2,187
Noncurrent assets plus other real estate owned to assets0.2554%6,605
Noncurrent loans to loans0.2795%6,497
Net loans and leases to total assets83.1618%370
Net loans and leases to deposits97.8559%729
Net loans and leases to core deposits102.3528%1,426
Total domestic deposits to total assets84.9839%3,854
Equity capital to assets8.8539%5,350
Core capital (leverage) ratio9.4311%3,802
Tier 1 risk-based capital ratio19.2498%1,652
Total risk-based capital ratio19.8920%1,777
Memoranda:
Average total assets$164,049,8003,632
Average earning assets$157,398,0003,498
Average equity$14,280,4004,079
Average total loans$136,482,8003,007
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3577%3,085
Cost of funding earning assets1.8922%1,056
Net interest margin3.4656%5,431
Noninterest income to average assets0.4265%4,749
Noninterest expense to average assets2.3279%6,240
Loan and lease loss provision to assets0.0441%6,648
Net operating income to assets0.8400%2,844
Return on assets (ROA)0.8400%2,973
Pretax return on assets1.3768%1,945
Return on Equity (ROE)9.6921%2,249
Retained earnings to average equity (ytd only)9.6921%867
Net charge-offs to loans0.0403%6,146
Credit loss provision to net charge-offs131.7073%3,064
Earnings coverage of net charge-offs (x)42.4110%654
Efficiency ratio62.0968%5,606
Assets per employee ($millions)4.4667%2,961
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.3557%7,564
Loan loss allowance to noncurrent loans91.6045%3,001
Noncurrent assets plus other real estate owned to assets0.4163%6,379
Noncurrent loans to loans0.3883%6,418
Net loans and leases to total assets83.2304%388
Net loans and leases to deposits98.5076%765
Net loans and leases to core deposits103.1271%1,558
Total domestic deposits to total assets84.4913%3,869
Equity capital to assets8.8770%5,736
Core capital (leverage) ratio9.4541%3,974
Tier 1 risk-based capital ratio19.0934%1,733
Total risk-based capital ratio19.6938%1,846
Memoranda:
Average total assets$163,173,7503,690
Average earning assets$156,430,2503,559
Average equity$14,141,7504,176
Average total loans$135,636,5003,063
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3415%3,257
Cost of funding earning assets1.9075%1,214
Net interest margin3.4340%5,501
Noninterest income to average assets0.4087%4,839
Noninterest expense to average assets2.3339%6,262
Loan and lease loss provision to assets0.0443%6,532
Net operating income to assets0.8075%2,935
Return on assets (ROA)0.8075%3,080
Pretax return on assets1.3257%2,015
Return on Equity (ROE)9.3947%2,318
Retained earnings to average equity (ytd only)9.3947%985
Net charge-offs to loans0.0534%5,633
Credit loss provision to net charge-offs100.0000%4,062
Earnings coverage of net charge-offs (x)30.9167%902
Efficiency ratio63.0110%5,516
Assets per employee ($millions)4.4800%2,909
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.3509%7,634
Loan loss allowance to noncurrent loans105.0549%2,639
Noncurrent assets plus other real estate owned to assets0.3439%6,559
Noncurrent loans to loans0.3340%6,561
Net loans and leases to total assets81.8908%542
Net loans and leases to deposits96.9267%963
Net loans and leases to core deposits101.4575%1,870
Total domestic deposits to total assets84.4873%3,880
Equity capital to assets8.6239%5,983
Core capital (leverage) ratio9.2011%4,300
Tier 1 risk-based capital ratio19.0447%1,711
Total risk-based capital ratio19.6419%1,830
Memoranda:
Average total assets$162,475,3303,734
Average earning assets$155,911,6703,601
Average equity$13,965,3304,209
Average total loans$134,833,6703,105
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4726%2,718
Cost of funding earning assets1.9556%1,228
Net interest margin3.5170%5,096
Noninterest income to average assets0.3681%5,196
Noninterest expense to average assets2.3528%6,238
Loan and lease loss provision to assets0.0448%6,226
Net operating income to assets0.8182%2,888
Return on assets (ROA)0.8182%2,980
Pretax return on assets1.3430%1,925
Return on Equity (ROE)9.5359%2,277
Retained earnings to average equity (ytd only)9.5359%1,261
Net charge-offs to loans0.0656%4,752
Credit loss provision to net charge-offs81.8182%3,831
Earnings coverage of net charge-offs (x)25.3636%984
Efficiency ratio62.8989%5,678
Assets per employee ($millions)4.7195%2,616
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.3556%7,716
Loan loss allowance to noncurrent loans209.7345%1,360
Noncurrent assets plus other real estate owned to assets0.2081%6,939
Noncurrent loans to loans0.1695%6,999
Net loans and leases to total assets82.7767%495
Net loans and leases to deposits98.6762%849
Net loans and leases to core deposits98.6762%2,274
Total domestic deposits to total assets83.8873%4,198
Equity capital to assets8.6986%5,730
Core capital (leverage) ratio9.3007%4,055
Tier 1 risk-based capital ratio19.1246%1,691
Total risk-based capital ratio19.7323%1,804
Memoranda:
Average total assets$160,832,5003,825
Average earning assets$154,223,5003,686
Average equity$13,800,5004,285
Average total loans$134,140,0003,186
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6255%3,464
Cost of funding earning assets2.4619%1,116
Net interest margin3.1636%6,195
Noninterest income to average assets0.4698%4,652
Noninterest expense to average assets2.5920%5,822
Loan and lease loss provision to assets0.0463%7,101
Net operating income to assets0.5972%3,337
Return on assets (ROA)0.5972%3,419
Pretax return on assets0.8745%3,006
Return on Equity (ROE)7.0411%2,774
Retained earnings to average equity (ytd only)7.0411%949
Net charge-offs to loans0.0219%6,928
Credit loss provision to net charge-offs257.1429%1,364
Earnings coverage of net charge-offs (x)51.1071%510
Efficiency ratio73.7864%3,939
Assets per employee ($millions)4.7412%2,555
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.3541%7,791
Loan loss allowance to noncurrent loans86.4376%3,214
Noncurrent assets plus other real estate owned to assets0.3430%6,582
Noncurrent loans to loans0.4097%6,458
Net loans and leases to total assets83.4369%499
Net loans and leases to deposits100.7249%843
Net loans and leases to core deposits119.7607%1,961
Total domestic deposits to total assets82.8364%4,592
Equity capital to assets8.4633%5,942
Core capital (leverage) ratio9.0547%4,333
Tier 1 risk-based capital ratio18.4300%1,769
Total risk-based capital ratio19.0340%1,903
Memoranda:
Average total assets$155,401,8003,872
Average earning assets$149,480,6003,723
Average equity$13,179,8004,463
Average total loans$128,095,2003,306
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6415%3,627
Cost of funding earning assets2.5699%1,105
Net interest margin3.0716%6,394
Noninterest income to average assets0.4841%4,629
Noninterest expense to average assets2.4501%6,250
Loan and lease loss provision to assets0.0468%6,901
Net operating income to assets0.6703%3,315
Return on assets (ROA)0.6703%3,374
Pretax return on assets0.9457%3,074
Return on Equity (ROE)7.8993%2,682
Retained earnings to average equity (ytd only)7.8993%1,166
Net charge-offs to loans0.0675%6,019
Credit loss provision to net charge-offs84.3750%5,643
Earnings coverage of net charge-offs (x)17.9065%1,377
Efficiency ratio71.1698%4,395
Assets per employee ($millions)4.6357%2,655
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.3221%7,893
Loan loss allowance to noncurrent loans99.0654%2,799
Noncurrent assets plus other real estate owned to assets0.2893%6,769
Noncurrent loans to loans0.3252%6,706
Net loans and leases to total assets83.2382%638
Net loans and leases to deposits102.2015%909
Net loans and leases to core deposits118.5140%2,373
Total domestic deposits to total assets81.4452%4,900
Equity capital to assets8.5722%6,150
Core capital (leverage) ratio9.1654%4,389
Tier 1 risk-based capital ratio18.5968%1,842
Total risk-based capital ratio19.1432%1,968
Memoranda:
Average total assets$153,951,7503,912
Average earning assets$148,277,2503,755
Average equity$13,064,0004,520
Average total loans$126,374,0003,376
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6170%3,982
Cost of funding earning assets2.7080%1,013
Net interest margin2.9090%6,777
Noninterest income to average assets0.4793%4,635
Noninterest expense to average assets2.4605%6,261
Loan and lease loss provision to assets0.0471%6,763
Net operating income to assets0.5238%4,008
Return on assets (ROA)0.5238%4,119
Pretax return on assets0.7752%3,762
Return on Equity (ROE)6.1943%3,560
Retained earnings to average equity (ytd only)6.1943%1,931
Net charge-offs to loans0.0401%5,910
Credit loss provision to net charge-offs144.0000%3,216
Earnings coverage of net charge-offs (x)25.1200%1,128
Efficiency ratio74.9501%3,885
Assets per employee ($millions)4.1964%3,305
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.3502%7,945
Loan loss allowance to noncurrent loans115.2850%2,547
Noncurrent assets plus other real estate owned to assets0.2486%6,859
Noncurrent loans to loans0.3038%6,756
Net loans and leases to total assets81.5452%1,042
Net loans and leases to deposits95.3842%1,893
Net loans and leases to core deposits109.9673%3,373
Total domestic deposits to total assets85.4914%3,019
Equity capital to assets8.4449%6,133
Core capital (leverage) ratio9.0605%4,535
Tier 1 risk-based capital ratio17.8911%2,052
Total risk-based capital ratio18.4574%2,173
Memoranda:
Average total assets$152,731,0003,952
Average earning assets$147,196,0003,792
Average equity$12,915,0004,567
Average total loans$124,625,6703,447
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7432%3,569
Cost of funding earning assets2.7826%1,019
Net interest margin2.9606%6,584
Noninterest income to average assets0.4252%5,003
Noninterest expense to average assets2.3715%6,288
Loan and lease loss provision to assets0.0475%6,377
Net operating income to assets0.5995%4,012
Return on assets (ROA)0.5995%4,205
Pretax return on assets0.8609%3,858
Return on Equity (ROE)7.0846%3,561
Retained earnings to average equity (ytd only)7.0846%2,178
Net charge-offs to loans0.0227%5,243
Credit loss provision to net charge-offs257.1429%1,829
Earnings coverage of net charge-offs (x)49.1429%733
Efficiency ratio72.3027%4,136
Assets per employee ($millions)4.5078%2,706
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.3604%7,991
Loan loss allowance to noncurrent loans584.2105%608
Noncurrent assets plus other real estate owned to assets0.0496%7,451
Noncurrent loans to loans0.0617%7,356
Net loans and leases to total assets80.1005%1,368
Net loans and leases to deposits93.8951%2,284
Net loans and leases to core deposits107.8418%3,705
Total domestic deposits to total assets85.3085%3,058
Equity capital to assets8.4370%6,169
Core capital (leverage) ratio9.0652%4,604
Tier 1 risk-based capital ratio18.9585%1,821
Total risk-based capital ratio19.5647%1,937
Memoranda:
Average total assets$151,463,5003,984
Average earning assets$146,051,5003,827
Average equity$12,816,5004,622
Average total loans$123,410,0003,493
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2736%4,101
Cost of funding earning assets3.2889%954
Net interest margin2.9847%6,953
Noninterest income to average assets0.4848%4,753
Noninterest expense to average assets2.5540%5,817
Loan and lease loss provision to assets0.0331%6,993
Net operating income to assets0.4634%4,891
Return on assets (ROA)0.4634%4,712
Pretax return on assets0.6817%4,453
Return on Equity (ROE)5.5888%4,119
Retained earnings to average equity (ytd only)5.5888%1,719
Net charge-offs to loans0.0058%6,888
Credit loss provision to net charge-offs685.7143%615
Earnings coverage of net charge-offs (x)148.2857%307
Efficiency ratio78.1336%2,898
Assets per employee ($millions)4.4018%2,789
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.3511%8,041
Loan loss allowance to noncurrent loans87.5000%3,855
Noncurrent assets plus other real estate owned to assets0.3454%6,215
Noncurrent loans to loans0.4013%6,148
Net loans and leases to total assets82.3028%1,172
Net loans and leases to deposits97.1642%2,260
Net loans and leases to core deposits110.0375%3,778
Total domestic deposits to total assets84.7049%2,974
Equity capital to assets8.4871%6,105
Core capital (leverage) ratio9.1315%4,551
Tier 1 risk-based capital ratio18.8109%1,854
Total risk-based capital ratio19.4086%1,953
Memoranda:
Average total assets$145,225,2003,987
Average earning assets$135,456,6003,945
Average equity$12,042,0004,816
Average total loans$120,558,2003,448