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Centennial Bank, Performance and Condition Ratios

2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3728%614
Cost of funding earning assets0.3252%1,911
Net interest margin4.0476%582
Noninterest income to average assets0.6900%1,362
Noninterest expense to average assets2.1670%3,014
Loan and lease loss provision to assets0.3700%160
Net operating income to assets1.3305%1,266
Return on assets (ROA)1.3473%1,197
Pretax return on assets1.7634%795
Return on Equity (ROE)8.9900%3,032
Retained earnings to average equity (ytd only)3.4835%3,634
Net charge-offs to loans0.1063%585
Credit loss provision to net charge-offs475.5738%630
Earnings coverage of net charge-offs (x)35.0196%1,444
Efficiency ratio49.6649%4,183
Assets per employee ($millions)8.4552%1,090
Cash dividends to net income (ytd only)*61.2420%838
Condition Ratios (%)
Loss allowance to loans2.0912%420
Loan loss allowance to noncurrent loans468.7777%1,660
Noncurrent assets plus other real estate owned to assets0.2689%1,880
Noncurrent loans to loans0.4461%1,693
Net loans and leases to total assets58.6600%2,630
Net loans and leases to deposits71.7494%2,230
Net loans and leases to core deposits75.1329%2,267
Total domestic deposits to total assets81.7600%3,875
Equity capital to assets15.1569%441
Core capital (leverage) ratio10.5500%2,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5391%1,863
Memoranda:
Average total assets$20,972,162,50097
Average earning assets$18,609,752,000102
Average equity$3,143,881,50073
Average total loans$11,910,496,500105
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0500%859
Cost of funding earning assets0.2178%2,664
Net interest margin3.8323%700
Noninterest income to average assets0.6844%1,412
Noninterest expense to average assets2.2847%2,593
Loan and lease loss provision to assets0.5781%86
Net operating income to assets0.9471%2,371
Return on assets (ROA)0.9471%2,344
Pretax return on assets1.2414%1,928
Return on Equity (ROE)6.3447%3,491
Retained earnings to average equity (ytd only)2.8366%3,494
Net charge-offs to loans0.0787%682
Credit loss provision to net charge-offs1,018.9488%397
Earnings coverage of net charge-offs (x)41.5946%1,242
Efficiency ratio54.7306%3,890
Assets per employee ($millions)8.5079%1,065
Cash dividends to net income (ytd only)*55.2925%1,194
Condition Ratios (%)
Loss allowance to loans2.1134%440
Loan loss allowance to noncurrent loans485.5891%1,586
Noncurrent assets plus other real estate owned to assets0.2520%2,057
Noncurrent loans to loans0.4352%1,819
Net loans and leases to total assets56.3288%2,721
Net loans and leases to deposits68.3645%2,356
Net loans and leases to core deposits71.8990%2,344
Total domestic deposits to total assets82.3949%3,955
Equity capital to assets14.6754%438
Core capital (leverage) ratio9.9399%2,460
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3499%1,917
Memoranda:
Average total assets$20,268,656,33397
Average earning assets$18,086,632,000102
Average equity$3,025,635,66774
Average total loans$11,270,891,667105
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5311%1,698
Cost of funding earning assets0.1669%3,266
Net interest margin3.3642%1,393
Noninterest income to average assets0.6019%1,690
Noninterest expense to average assets1.6146%4,271
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.5303%592
Return on assets (ROA)1.5303%586
Pretax return on assets2.0158%339
Return on Equity (ROE)10.1382%1,913
Retained earnings to average equity (ytd only)2.4549%3,420
Net charge-offs to loans0.0783%604
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)47.4039%941
Efficiency ratio43.6184%4,567
Assets per employee ($millions)9.3520%808
Cash dividends to net income (ytd only)*75.7857%763
Condition Ratios (%)
Loss allowance to loans2.3354%350
Loan loss allowance to noncurrent loans525.5020%1,448
Noncurrent assets plus other real estate owned to assets0.2465%2,157
Noncurrent loans to loans0.4444%1,918
Net loans and leases to total assets52.8079%2,904
Net loans and leases to deposits64.5618%2,478
Net loans and leases to core deposits68.6403%2,398
Total domestic deposits to total assets81.7944%4,101
Equity capital to assets14.5976%436
Core capital (leverage) ratio10.5963%1,775
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3541%1,412
Memoranda:
Average total assets$18,304,732,000109
Average earning assets$16,477,936,000108
Average equity$2,762,988,00088
Average total loans$9,944,401,500120
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1119%1,140
Cost of funding earning assets0.2125%3,342
Net interest margin3.8994%855
Noninterest income to average assets0.6555%1,925
Noninterest expense to average assets1.6319%4,385
Loan and lease loss provision to assets-0.0273%4,259
Net operating income to assets1.9353%381
Return on assets (ROA)1.9362%404
Pretax return on assets2.5398%242
Return on Equity (ROE)11.9639%1,831
Retained earnings to average equity (ytd only)1.8202%4,036
Net charge-offs to loans0.0843%958
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)49.8365%1,298
Efficiency ratio38.6000%4,711
Assets per employee ($millions)9.0541%901
Cash dividends to net income (ytd only)*84.7860%413
Condition Ratios (%)
Loss allowance to loans2.4066%320
Loan loss allowance to noncurrent loans471.6170%1,504
Noncurrent assets plus other real estate owned to assets0.2876%2,095
Noncurrent loans to loans0.5103%1,845
Net loans and leases to total assets53.2776%2,937
Net loans and leases to deposits65.9653%2,520
Net loans and leases to core deposits70.5584%2,397
Total domestic deposits to total assets80.7660%4,135
Equity capital to assets15.6070%422
Core capital (leverage) ratio10.9732%1,580
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0786%1,249
Memoranda:
Average total assets$17,383,112,600112
Average earning assets$15,547,395,600113
Average equity$2,813,285,60084
Average total loans$10,387,115,800114
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2292%1,065
Cost of funding earning assets0.2243%3,381
Net interest margin4.0049%786
Noninterest income to average assets0.6452%2,029
Noninterest expense to average assets1.6285%4,427
Loan and lease loss provision to assets-0.0368%4,412
Net operating income to assets1.9977%466
Return on assets (ROA)1.9990%491
Pretax return on assets2.6297%276
Return on Equity (ROE)12.2377%1,965
Retained earnings to average equity (ytd only)2.9677%3,921
Net charge-offs to loans0.0861%826
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)49.2291%1,252
Efficiency ratio37.8098%4,772
Assets per employee ($millions)8.9336%914
Cash dividends to net income (ytd only)*75.7496%465
Condition Ratios (%)
Loss allowance to loans2.4106%327
Loan loss allowance to noncurrent loans468.7676%1,429
Noncurrent assets plus other real estate owned to assets0.2937%2,303
Noncurrent loans to loans0.5142%2,018
Net loans and leases to total assets54.4876%2,910
Net loans and leases to deposits67.8138%2,455
Net loans and leases to core deposits73.4997%2,281
Total domestic deposits to total assets80.3489%4,184
Equity capital to assets16.0093%415
Core capital (leverage) ratio11.1936%1,540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3166%1,285
Memoranda:
Average total assets$17,224,474,000112
Average earning assets$15,373,679,750113
Average equity$2,813,602,50085
Average total loans$10,524,872,500116
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3211%967
Cost of funding earning assets0.2398%3,376
Net interest margin4.0813%720
Noninterest income to average assets0.6709%1,926
Noninterest expense to average assets1.6323%4,467
Loan and lease loss provision to assets-0.0557%4,538
Net operating income to assets2.0673%433
Return on assets (ROA)2.0693%454
Pretax return on assets2.7307%252
Return on Equity (ROE)12.5812%1,860
Retained earnings to average equity (ytd only)3.2207%3,770
Net charge-offs to loans0.0936%772
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)45.3773%1,108
Efficiency ratio37.1453%4,812
Assets per employee ($millions)8.7566%930
Cash dividends to net income (ytd only)*74.4004%592
Condition Ratios (%)
Loss allowance to loans2.3576%330
Loan loss allowance to noncurrent loans407.9936%1,496
Noncurrent assets plus other real estate owned to assets0.3462%2,207
Noncurrent loans to loans0.5778%1,953
Net loans and leases to total assets56.6096%2,830
Net loans and leases to deposits70.5890%2,351
Net loans and leases to core deposits76.5508%2,190
Total domestic deposits to total assets80.1961%4,211
Equity capital to assets16.0565%406
Core capital (leverage) ratio11.2167%1,475
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4160%1,245
Memoranda:
Average total assets$17,054,883,667112
Average earning assets$15,185,047,000113
Average equity$2,805,145,00085
Average total loans$10,732,796,333112
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5953%671
Cost of funding earning assets0.2624%3,356
Net interest margin4.3329%486
Noninterest income to average assets0.7228%1,796
Noninterest expense to average assets1.6616%4,448
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.2016%415
Return on assets (ROA)2.2057%446
Pretax return on assets2.9114%254
Return on Equity (ROE)13.2455%1,604
Retained earnings to average equity (ytd only)3.7962%3,561
Net charge-offs to loans0.0924%729
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)47.9980%917
Efficiency ratio35.6342%4,855
Assets per employee ($millions)8.5349%976
Cash dividends to net income (ytd only)*71.3394%701
Condition Ratios (%)
Loss allowance to loans2.2539%391
Loan loss allowance to noncurrent loans383.4638%1,445
Noncurrent assets plus other real estate owned to assets0.3856%2,257
Noncurrent loans to loans0.5878%2,102
Net loans and leases to total assets61.2307%2,373
Net loans and leases to deposits76.8233%1,819
Net loans and leases to core deposits84.0804%1,676
Total domestic deposits to total assets79.7033%4,238
Equity capital to assets16.2517%366
Core capital (leverage) ratio11.6501%1,325
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9494%1,301
Memoranda:
Average total assets$16,786,359,500113
Average earning assets$14,896,174,000115
Average equity$2,795,397,00086
Average total loans$10,999,607,500109
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8465%676
Cost of funding earning assets0.5199%2,814
Net interest margin4.3266%480
Noninterest income to average assets0.6207%2,136
Noninterest expense to average assets1.8114%4,450
Loan and lease loss provision to assets0.6993%229
Net operating income to assets1.4883%836
Return on assets (ROA)1.4883%908
Pretax return on assets1.9358%520
Return on Equity (ROE)8.7086%2,514
Retained earnings to average equity (ytd only)2.0122%3,816
Net charge-offs to loans0.1087%1,386
Credit loss provision to net charge-offs897.4066%834
Earnings coverage of net charge-offs (x)34.0702%1,500
Efficiency ratio39.9181%4,874
Assets per employee ($millions)8.1102%1,000
Cash dividends to net income (ytd only)*76.8936%743
Condition Ratios (%)
Loss allowance to loans2.1877%421
Loan loss allowance to noncurrent loans331.1028%1,610
Noncurrent assets plus other real estate owned to assets0.4800%2,121
Noncurrent loans to loans0.6607%2,029
Net loans and leases to total assets67.0597%1,945
Net loans and leases to deposits85.2214%1,320
Net loans and leases to core deposits94.1694%1,238
Total domestic deposits to total assets78.6888%4,235
Equity capital to assets17.0744%330
Core capital (leverage) ratio11.6140%1,407
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2987%1,446
Memoranda:
Average total assets$16,052,725,000109
Average earning assets$14,194,883,800111
Average equity$2,743,450,60081
Average total loans$11,424,525,200104
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9249%698
Cost of funding earning assets0.5764%2,761
Net interest margin4.3484%531
Noninterest income to average assets0.5981%2,187
Noninterest expense to average assets1.8345%4,433
Loan and lease loss provision to assets0.9370%161
Net operating income to assets1.2956%1,364
Return on assets (ROA)1.2956%1,463
Pretax return on assets1.6723%1,022
Return on Equity (ROE)7.5790%2,974
Retained earnings to average equity (ytd only)1.3100%4,149
Net charge-offs to loans0.1123%1,226
Credit loss provision to net charge-offs1,152.9594%753
Earnings coverage of net charge-offs (x)32.3489%1,521
Efficiency ratio40.4517%4,882
Assets per employee ($millions)8.3726%885
Cash dividends to net income (ytd only)*82.7158%538
Condition Ratios (%)
Loss allowance to loans2.1231%401
Loan loss allowance to noncurrent loans336.4244%1,499
Noncurrent assets plus other real estate owned to assets0.4728%2,306
Noncurrent loans to loans0.6311%2,215
Net loans and leases to total assets69.2726%2,065
Net loans and leases to deposits87.5674%1,538
Net loans and leases to core deposits100.0316%1,160
Total domestic deposits to total assets79.1077%4,044
Equity capital to assets16.7098%401
Core capital (leverage) ratio11.3532%1,684
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7302%1,580
Memoranda:
Average total assets$15,974,311,500108
Average earning assets$14,127,533,000110
Average equity$2,730,696,50081
Average total loans$11,475,476,250104
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0481%761
Cost of funding earning assets0.6515%2,691
Net interest margin4.3965%623
Noninterest income to average assets0.5587%2,310
Noninterest expense to average assets1.9087%4,402
Loan and lease loss provision to assets1.2444%131
Net operating income to assets1.0125%2,277
Return on assets (ROA)1.0125%2,400
Pretax return on assets1.2857%2,085
Return on Equity (ROE)5.8769%3,560
Retained earnings to average equity (ytd only)0.1056%4,291
Net charge-offs to loans0.0973%1,298
Credit loss provision to net charge-offs1,755.9841%538
Earnings coverage of net charge-offs (x)36.0101%1,311
Efficiency ratio42.1432%4,861
Assets per employee ($millions)8.6428%771
Cash dividends to net income (ytd only)*98.2026%501
Condition Ratios (%)
Loss allowance to loans1.9935%438
Loan loss allowance to noncurrent loans397.9098%1,240
Noncurrent assets plus other real estate owned to assets0.3925%2,723
Noncurrent loans to loans0.5010%2,649
Net loans and leases to total assets69.4899%2,111
Net loans and leases to deposits88.2314%1,530
Net loans and leases to core deposits101.8450%1,124
Total domestic deposits to total assets78.7587%4,072
Equity capital to assets16.2233%444
Core capital (leverage) ratio11.3821%1,726
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2852%1,702
Memoranda:
Average total assets$15,792,698,667110
Average earning assets$13,937,407,000109
Average equity$2,720,823,66782
Average total loans$11,403,478,333104
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3660%480
Cost of funding earning assets0.8160%2,297
Net interest margin4.5500%448
Noninterest income to average assets0.5394%2,340
Noninterest expense to average assets1.9471%4,497
Loan and lease loss provision to assets2.2761%56
Net operating income to assets0.3051%4,334
Return on assets (ROA)0.3051%4,355
Pretax return on assets0.3170%4,428
Return on Equity (ROE)1.7158%4,507
Retained earnings to average equity (ytd only)-6.5660%4,614
Net charge-offs to loans0.1267%952
Credit loss provision to net charge-offs2,439.1773%302
Earnings coverage of net charge-offs (x)28.0607%1,219
Efficiency ratio42.0097%4,945
Assets per employee ($millions)7.9775%741
Cash dividends to net income (ytd only)*482.6875%53
Condition Ratios (%)
Loss allowance to loans2.0107%492
Loan loss allowance to noncurrent loans382.2263%1,230
Noncurrent assets plus other real estate owned to assets0.4393%2,705
Noncurrent loans to loans0.5261%2,684
Net loans and leases to total assets71.9733%1,923
Net loans and leases to deposits95.9485%915
Net loans and leases to core deposits113.7312%675
Total domestic deposits to total assets75.0125%4,588
Equity capital to assets17.2356%416
Core capital (leverage) ratio11.9639%1,764
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6896%2,008
Memoranda:
Average total assets$15,258,037,500111
Average earning assets$13,416,511,000111
Average equity$2,713,443,50081
Average total loans$11,127,346,000103
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4725%586
Cost of funding earning assets1.0099%1,683
Net interest margin4.4626%779
Noninterest income to average assets0.5973%2,235
Noninterest expense to average assets1.7154%4,854
Loan and lease loss provision to assets0.0088%3,832
Net operating income to assets2.0852%284
Return on assets (ROA)2.0852%295
Pretax return on assets2.7844%132
Return on Equity (ROE)11.6767%1,630
Retained earnings to average equity (ytd only)3.0686%3,487
Net charge-offs to loans0.0730%2,052
Credit loss provision to net charge-offs16.5749%3,333
Earnings coverage of net charge-offs (x)52.8566%1,080
Efficiency ratio37.1195%5,096
Assets per employee ($millions)7.8330%762
Cash dividends to net income (ytd only)*73.7200%1,006
Condition Ratios (%)
Loss allowance to loans0.9395%3,784
Loan loss allowance to noncurrent loans186.1943%2,200
Noncurrent assets plus other real estate owned to assets0.4262%2,690
Noncurrent loans to loans0.5046%2,679
Net loans and leases to total assets71.7084%2,133
Net loans and leases to deposits94.5439%1,102
Net loans and leases to core deposits111.0721%799
Total domestic deposits to total assets75.8466%4,617
Equity capital to assets18.3495%340
Core capital (leverage) ratio12.5062%1,486
Tier 1 risk-based capital ratio14.4713%3,034
Total risk-based capital ratio15.3184%3,142
Memoranda:
Average total assets$15,127,201,800102
Average earning assets$13,258,470,000107
Average equity$2,701,322,60078
Average total loans$10,949,120,200100
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5067%578
Cost of funding earning assets1.0412%1,582
Net interest margin4.4656%830
Noninterest income to average assets0.5686%2,361
Noninterest expense to average assets1.6875%4,936
Loan and lease loss provision to assets0.0117%3,660
Net operating income to assets2.0758%340
Return on assets (ROA)2.0758%355
Pretax return on assets2.7828%155
Return on Equity (ROE)11.7041%1,716
Retained earnings to average equity (ytd only)2.7644%3,985
Net charge-offs to loans0.0707%1,815
Credit loss provision to net charge-offs22.7937%2,954
Earnings coverage of net charge-offs (x)54.6419%1,126
Efficiency ratio36.7165%5,169
Assets per employee ($millions)7.8796%726
Cash dividends to net income (ytd only)*76.3809%762
Condition Ratios (%)
Loss allowance to loans0.9683%3,746
Loan loss allowance to noncurrent loans177.9841%2,288
Noncurrent assets plus other real estate owned to assets0.4518%2,715
Noncurrent loans to loans0.5440%2,665
Net loans and leases to total assets71.6694%2,229
Net loans and leases to deposits95.7109%1,052
Net loans and leases to core deposits113.0962%792
Total domestic deposits to total assets74.8811%4,755
Equity capital to assets18.3534%365
Core capital (leverage) ratio12.2555%1,705
Tier 1 risk-based capital ratio14.3987%3,139
Total risk-based capital ratio15.2740%3,223
Memoranda:
Average total assets$15,155,052,000102
Average earning assets$13,280,955,500107
Average equity$2,687,824,00079
Average total loans$10,968,972,750100
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4669%605
Cost of funding earning assets1.0445%1,516
Net interest margin4.4223%903
Noninterest income to average assets0.5423%2,422
Noninterest expense to average assets1.6768%4,995
Loan and lease loss provision to assets0.0174%3,444
Net operating income to assets2.0645%349
Return on assets (ROA)2.0645%363
Pretax return on assets2.7256%173
Return on Equity (ROE)11.7739%1,668
Retained earnings to average equity (ytd only)2.7330%3,834
Net charge-offs to loans0.0734%1,636
Credit loss provision to net charge-offs32.7160%2,587
Earnings coverage of net charge-offs (x)51.6267%1,071
Efficiency ratio36.9957%5,201
Assets per employee ($millions)8.2966%603
Cash dividends to net income (ytd only)*76.7875%906
Condition Ratios (%)
Loss allowance to loans0.9596%3,835
Loan loss allowance to noncurrent loans168.8895%2,435
Noncurrent assets plus other real estate owned to assets0.5011%2,544
Noncurrent loans to loans0.5682%2,557
Net loans and leases to total assets71.6711%2,254
Net loans and leases to deposits95.8433%1,055
Net loans and leases to core deposits112.6671%839
Total domestic deposits to total assets74.7794%4,781
Equity capital to assets17.7262%407
Core capital (leverage) ratio12.0167%1,816
Tier 1 risk-based capital ratio13.9289%3,359
Total risk-based capital ratio14.8005%3,452
Memoranda:
Average total assets$15,245,230,000103
Average earning assets$13,366,941,330107
Average equity$2,673,161,00080
Average total loans$11,034,648,000100
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4761%543
Cost of funding earning assets1.0400%1,409
Net interest margin4.4361%831
Noninterest income to average assets0.5179%2,447
Noninterest expense to average assets1.6911%5,023
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.0605%351
Return on assets (ROA)2.0605%365
Pretax return on assets2.7194%176
Return on Equity (ROE)11.8160%1,605
Retained earnings to average equity (ytd only)2.8122%3,815
Net charge-offs to loans0.0883%1,222
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)42.5423%1,115
Efficiency ratio37.3980%5,247
Assets per employee ($millions)8.3215%600
Cash dividends to net income (ytd only)*76.2000%994
Condition Ratios (%)
Loss allowance to loans0.9687%3,875
Loan loss allowance to noncurrent loans165.6832%2,497
Noncurrent assets plus other real estate owned to assets0.5185%2,551
Noncurrent loans to loans0.5847%2,584
Net loans and leases to total assets71.6708%2,215
Net loans and leases to deposits97.7163%811
Net loans and leases to core deposits114.0249%743
Total domestic deposits to total assets73.3458%4,977
Equity capital to assets17.6007%380
Core capital (leverage) ratio11.8952%1,831
Tier 1 risk-based capital ratio13.9820%3,343
Total risk-based capital ratio14.8695%3,455
Memoranda:
Average total assets$15,230,833,000104
Average earning assets$13,364,904,500108
Average equity$2,655,991,50080
Average total loans$11,025,407,50099
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3603%523
Cost of funding earning assets0.8049%1,501
Net interest margin4.5554%681
Noninterest income to average assets0.6441%2,068
Noninterest expense to average assets1.6445%5,139
Loan and lease loss provision to assets0.0293%3,592
Net operating income to assets2.2289%238
Return on assets (ROA)2.2289%233
Pretax return on assets2.9465%102
Return on Equity (ROE)12.7786%1,433
Retained earnings to average equity (ytd only)4.3226%3,166
Net charge-offs to loans0.0542%2,373
Credit loss provision to net charge-offs74.5687%2,932
Earnings coverage of net charge-offs (x)75.8297%892
Efficiency ratio34.6480%5,336
Assets per employee ($millions)8.4251%572
Cash dividends to net income (ytd only)*66.1732%1,233
Condition Ratios (%)
Loss allowance to loans0.9826%3,792
Loan loss allowance to noncurrent loans169.3456%2,505
Noncurrent assets plus other real estate owned to assets0.5067%2,563
Noncurrent loans to loans0.5802%2,548
Net loans and leases to total assets71.6940%2,312
Net loans and leases to deposits99.9904%749
Net loans and leases to core deposits116.8529%657
Total domestic deposits to total assets71.7009%5,090
Equity capital to assets17.2771%397
Core capital (leverage) ratio11.9272%1,784
Tier 1 risk-based capital ratio13.7742%3,402
Total risk-based capital ratio14.6797%3,490
Memoranda:
Average total assets$14,769,553,400103
Average earning assets$12,891,702,600106
Average equity$2,576,168,60079
Average total loans$10,691,917,800100
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3429%485
Cost of funding earning assets0.7470%1,599
Net interest margin4.5959%602
Noninterest income to average assets0.6735%1,967
Noninterest expense to average assets1.6600%5,164
Loan and lease loss provision to assets0.0394%3,216
Net operating income to assets2.2473%252
Return on assets (ROA)2.2473%248
Pretax return on assets2.9797%112
Return on Equity (ROE)12.8522%1,486
Retained earnings to average equity (ytd only)4.7515%3,370
Net charge-offs to loans0.0553%2,029
Credit loss provision to net charge-offs98.3167%2,317
Earnings coverage of net charge-offs (x)75.4060%908
Efficiency ratio34.5302%5,403
Assets per employee ($millions)8.3506%557
Cash dividends to net income (ytd only)*63.0294%1,085
Condition Ratios (%)
Loss allowance to loans1.0172%3,654
Loan loss allowance to noncurrent loans195.1492%2,276
Noncurrent assets plus other real estate owned to assets0.4697%2,807
Noncurrent loans to loans0.5212%2,821
Net loans and leases to total assets71.9762%2,333
Net loans and leases to deposits99.9669%785
Net loans and leases to core deposits114.6827%783
Total domestic deposits to total assets72.0000%5,131
Equity capital to assets17.4795%381
Core capital (leverage) ratio11.7388%1,982
Tier 1 risk-based capital ratio13.9041%3,420
Total risk-based capital ratio14.8427%3,482
Memoranda:
Average total assets$14,639,067,500103
Average earning assets$12,758,887,250105
Average equity$2,559,728,50080
Average total loans$10,596,927,500100
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2034%551
Cost of funding earning assets0.6709%1,807
Net interest margin4.5325%649
Noninterest income to average assets0.6827%1,944
Noninterest expense to average assets1.6500%5,232
Loan and lease loss provision to assets0.0594%2,721
Net operating income to assets2.1999%257
Return on assets (ROA)2.1999%249
Pretax return on assets2.9234%123
Return on Equity (ROE)12.5795%1,511
Retained earnings to average equity (ytd only)5.2001%2,973
Net charge-offs to loans0.0584%1,769
Credit loss provision to net charge-offs140.7359%1,640
Earnings coverage of net charge-offs (x)70.6757%906
Efficiency ratio34.6513%5,462
Assets per employee ($millions)8.4352%534
Cash dividends to net income (ytd only)*58.6617%1,372
Condition Ratios (%)
Loss allowance to loans1.0233%3,699
Loan loss allowance to noncurrent loans196.4105%2,290
Noncurrent assets plus other real estate owned to assets0.5007%2,754
Noncurrent loans to loans0.5210%2,857
Net loans and leases to total assets72.3683%2,217
Net loans and leases to deposits99.6801%824
Net loans and leases to core deposits113.9846%794
Total domestic deposits to total assets72.6005%5,141
Equity capital to assets17.3378%373
Core capital (leverage) ratio12.0390%1,688
Tier 1 risk-based capital ratio13.3842%3,680
Total risk-based capital ratio14.3138%3,780
Memoranda:
Average total assets$14,552,937,670103
Average earning assets$12,683,020,330105
Average equity$2,544,969,33079
Average total loans$10,518,298,330100
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1692%520
Cost of funding earning assets0.6313%1,838
Net interest margin4.5379%569
Noninterest income to average assets0.6798%1,913
Noninterest expense to average assets1.6697%5,271
Loan and lease loss provision to assets0.0445%2,878
Net operating income to assets2.1836%252
Return on assets (ROA)2.1836%252
Pretax return on assets2.9183%122
Return on Equity (ROE)12.4315%1,428
Retained earnings to average equity (ytd only)7.6331%1,976
Net charge-offs to loans0.0640%1,465
Credit loss provision to net charge-offs96.7937%1,622
Earnings coverage of net charge-offs (x)64.4223%802
Efficiency ratio35.0672%5,525
Assets per employee ($millions)8.1327%600
Cash dividends to net income (ytd only)*38.5985%1,877
Condition Ratios (%)
Loss allowance to loans1.0674%3,563
Loan loss allowance to noncurrent loans222.6910%2,064
Noncurrent assets plus other real estate owned to assets0.4864%2,909
Noncurrent loans to loans0.4793%3,076
Net loans and leases to total assets71.3697%2,277
Net loans and leases to deposits97.7062%888
Net loans and leases to core deposits114.6250%772
Total domestic deposits to total assets73.0452%5,219
Equity capital to assets17.7548%334
Core capital (leverage) ratio11.9462%1,680
Tier 1 risk-based capital ratio14.0329%3,368
Total risk-based capital ratio15.0079%3,416
Memoranda:
Average total assets$14,376,938,500104
Average earning assets$12,523,035,000107
Average equity$2,525,358,00080
Average total loans$10,328,463,000100
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9434%721
Cost of funding earning assets0.4645%2,648
Net interest margin4.4789%645
Noninterest income to average assets0.7703%1,693
Noninterest expense to average assets1.8921%5,124
Loan and lease loss provision to assets0.3685%411
Net operating income to assets1.2549%1,346
Return on assets (ROA)1.2550%1,370
Pretax return on assets2.4611%188
Return on Equity (ROE)7.9352%2,827
Retained earnings to average equity (ytd only)3.3700%3,273
Net charge-offs to loans0.1601%1,525
Credit loss provision to net charge-offs316.3878%905
Earnings coverage of net charge-offs (x)24.2932%1,762
Efficiency ratio39.3311%5,536
Assets per employee ($millions)8.2800%580
Cash dividends to net income (ytd only)*57.5309%1,879
Condition Ratios (%)
Loss allowance to loans1.0673%3,513
Loan loss allowance to noncurrent loans246.6856%1,951
Noncurrent assets plus other real estate owned to assets0.4402%3,109
Noncurrent loans to loans0.4327%3,235
Net loans and leases to total assets70.7803%2,400
Net loans and leases to deposits97.9715%906
Net loans and leases to core deposits111.9902%899
Total domestic deposits to total assets72.2458%5,307
Equity capital to assets17.3775%366
Core capital (leverage) ratio11.7636%1,750
Tier 1 risk-based capital ratio13.5522%3,599
Total risk-based capital ratio14.5185%3,681
Memoranda:
Average total assets$12,007,638,200111
Average earning assets$10,593,443,200111
Average equity$1,899,048,80094
Average total loans$8,737,840,600108
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8048%918
Cost of funding earning assets0.4245%2,935
Net interest margin4.3803%760
Noninterest income to average assets0.7921%1,620
Noninterest expense to average assets1.9518%5,040
Loan and lease loss provision to assets0.4599%275
Net operating income to assets1.4310%1,023
Return on assets (ROA)1.4310%1,042
Pretax return on assets2.2582%316
Return on Equity (ROE)9.3402%2,422
Retained earnings to average equity (ytd only)4.4138%3,271
Net charge-offs to loans0.1232%1,554
Credit loss provision to net charge-offs510.3699%622
Earnings coverage of net charge-offs (x)30.1626%1,546
Efficiency ratio41.1492%5,551
Assets per employee ($millions)8.7516%476
Cash dividends to net income (ytd only)*52.7447%1,634
Condition Ratios (%)
Loss allowance to loans1.0851%3,575
Loan loss allowance to noncurrent loans174.4635%2,476
Noncurrent assets plus other real estate owned to assets0.6017%2,711
Noncurrent loans to loans0.6220%2,845
Net loans and leases to total assets71.4563%2,337
Net loans and leases to deposits96.9010%1,015
Net loans and leases to core deposits110.2400%1,011
Total domestic deposits to total assets73.7416%5,258
Equity capital to assets17.6257%367
Core capital (leverage) ratio15.5728%565
Tier 1 risk-based capital ratio13.5613%3,667
Total risk-based capital ratio14.5455%3,737
Memoranda:
Average total assets$11,399,461,250113
Average earning assets$10,091,930,750113
Average equity$1,746,467,250101
Average total loans$8,339,503,500110
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1150%453
Cost of funding earning assets0.4271%2,827
Net interest margin4.6879%401
Noninterest income to average assets0.9098%1,245
Noninterest expense to average assets1.8955%5,190
Loan and lease loss provision to assets0.0823%2,343
Net operating income to assets1.9679%324
Return on assets (ROA)1.9678%332
Pretax return on assets3.1221%108
Return on Equity (ROE)13.7861%847
Retained earnings to average equity (ytd only)8.6822%946
Net charge-offs to loans0.1083%1,550
Credit loss provision to net charge-offs103.2653%1,966
Earnings coverage of net charge-offs (x)40.2122%1,247
Efficiency ratio36.5397%5,687
Assets per employee ($millions)7.0027%936
Cash dividends to net income (ytd only)*37.0216%2,468
Condition Ratios (%)
Loss allowance to loans1.0229%4,010
Loan loss allowance to noncurrent loans170.9866%2,527
Noncurrent assets plus other real estate owned to assets0.6045%2,753
Noncurrent loans to loans0.5982%2,942
Net loans and leases to total assets71.3947%2,303
Net loans and leases to deposits98.6407%830
Net loans and leases to core deposits117.6325%656
Total domestic deposits to total assets72.3785%5,428
Equity capital to assets15.8969%544
Core capital (leverage) ratio12.4052%1,412
Tier 1 risk-based capital ratio14.6977%3,066
Total risk-based capital ratio15.6147%3,159
Memoranda:
Average total assets$10,452,992,330116
Average earning assets$9,343,208,000117
Average equity$1,492,056,330109
Average total loans$7,690,606,670115
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0510%481
Cost of funding earning assets0.4036%2,963
Net interest margin4.6475%409
Noninterest income to average assets0.9645%1,069
Noninterest expense to average assets2.0049%5,040
Loan and lease loss provision to assets0.1528%1,208
Net operating income to assets1.8907%373
Return on assets (ROA)1.8907%387
Pretax return on assets2.9592%140
Return on Equity (ROE)14.0950%791
Retained earnings to average equity (ytd only)10.4334%720
Net charge-offs to loans0.1892%903
Credit loss provision to net charge-offs108.6016%1,486
Earnings coverage of net charge-offs (x)22.1238%1,430
Efficiency ratio38.5689%5,716
Assets per employee ($millions)7.0005%956
Cash dividends to net income (ytd only)*25.9784%2,394
Condition Ratios (%)
Loss allowance to loans1.0231%4,142
Loan loss allowance to noncurrent loans135.6651%3,024
Noncurrent assets plus other real estate owned to assets0.7148%2,507
Noncurrent loans to loans0.7541%2,603
Net loans and leases to total assets72.5849%1,993
Net loans and leases to deposits102.1038%498
Net loans and leases to core deposits120.9632%441
Total domestic deposits to total assets71.0893%5,591
Equity capital to assets13.4726%1,075
Core capital (leverage) ratio10.2990%3,110
Tier 1 risk-based capital ratio11.4412%5,068
Total risk-based capital ratio12.3556%5,150
Memoranda:
Average total assets$10,248,873,000116
Average earning assets$9,156,840,000118
Average equity$1,374,782,500113
Average total loans$7,618,672,000115
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1693%437
Cost of funding earning assets0.3409%3,624
Net interest margin4.8284%331
Noninterest income to average assets0.8657%1,519
Noninterest expense to average assets1.8861%5,380
Loan and lease loss provision to assets0.1949%1,197
Net operating income to assets1.9306%367
Return on assets (ROA)1.9314%380
Pretax return on assets3.0865%107
Return on Equity (ROE)14.8372%649
Retained earnings to average equity (ytd only)11.2465%284
Net charge-offs to loans0.1118%2,148
Credit loss provision to net charge-offs237.6197%1,219
Earnings coverage of net charge-offs (x)39.9908%1,178
Efficiency ratio35.8727%5,829
Assets per employee ($millions)6.5206%1,143
Cash dividends to net income (ytd only)*24.2006%3,559
Condition Ratios (%)
Loss allowance to loans1.0829%3,808
Loan loss allowance to noncurrent loans126.7378%3,157
Noncurrent assets plus other real estate owned to assets0.8074%2,333
Noncurrent loans to loans0.8544%2,393
Net loans and leases to total assets74.6143%1,755
Net loans and leases to deposits104.4551%416
Net loans and leases to core deposits123.3503%398
Total domestic deposits to total assets71.4319%5,597
Equity capital to assets13.3499%1,112
Core capital (leverage) ratio9.8057%3,737
Tier 1 risk-based capital ratio11.1005%5,289
Total risk-based capital ratio12.0655%5,328
Memoranda:
Average total assets$9,547,275,000119
Average earning assets$8,503,737,800123
Average equity$1,242,769,200120
Average total loans$7,003,185,600119
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1688%443
Cost of funding earning assets0.3354%3,708
Net interest margin4.8334%343
Noninterest income to average assets0.8571%1,554
Noninterest expense to average assets1.9091%5,362
Loan and lease loss provision to assets0.2376%815
Net operating income to assets1.8869%411
Return on assets (ROA)1.8871%434
Pretax return on assets3.0122%125
Return on Equity (ROE)14.5936%722
Retained earnings to average equity (ytd only)11.0513%423
Net charge-offs to loans0.1884%1,238
Credit loss provision to net charge-offs173.2247%1,609
Earnings coverage of net charge-offs (x)23.6891%1,709
Efficiency ratio36.3629%5,886
Assets per employee ($millions)6.6518%1,019
Cash dividends to net income (ytd only)*24.2730%3,056
Condition Ratios (%)
Loss allowance to loans1.0738%3,993
Loan loss allowance to noncurrent loans127.0906%3,134
Noncurrent assets plus other real estate owned to assets0.7911%2,569
Noncurrent loans to loans0.8449%2,571
Net loans and leases to total assets72.1519%2,166
Net loans and leases to deposits102.0156%567
Net loans and leases to core deposits120.5363%491
Total domestic deposits to total assets70.7263%5,655
Equity capital to assets13.1110%1,437
Core capital (leverage) ratio9.5921%4,069
Tier 1 risk-based capital ratio10.7690%5,491
Total risk-based capital ratio11.7018%5,566
Memoranda:
Average total assets$9,485,604,000119
Average earning assets$8,441,831,750124
Average equity$1,226,589,750120
Average total loans$6,907,057,250120
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1509%458
Cost of funding earning assets0.3333%3,760
Net interest margin4.8177%355
Noninterest income to average assets0.8500%1,548
Noninterest expense to average assets1.8595%5,522
Loan and lease loss provision to assets0.2420%815
Net operating income to assets1.8940%401
Return on assets (ROA)1.8943%419
Pretax return on assets3.0307%118
Return on Equity (ROE)14.7202%717
Retained earnings to average equity (ytd only)11.1839%417
Net charge-offs to loans0.1829%1,250
Credit loss provision to net charge-offs181.8167%1,392
Earnings coverage of net charge-offs (x)24.5871%1,538
Efficiency ratio35.5696%5,972
Assets per employee ($millions)6.5715%1,051
Cash dividends to net income (ytd only)*24.0236%3,063
Condition Ratios (%)
Loss allowance to loans1.0587%4,178
Loan loss allowance to noncurrent loans124.6120%3,256
Noncurrent assets plus other real estate owned to assets0.8104%2,562
Noncurrent loans to loans0.8496%2,617
Net loans and leases to total assets72.7137%2,053
Net loans and leases to deposits102.6291%529
Net loans and leases to core deposits118.6533%552
Total domestic deposits to total assets70.8510%5,734
Equity capital to assets13.0515%1,472
Core capital (leverage) ratio9.2406%4,530
Tier 1 risk-based capital ratio10.3869%5,727
Total risk-based capital ratio11.2984%5,781
Memoranda:
Average total assets$9,396,957,000118
Average earning assets$8,351,686,330122
Average equity$1,209,278,000121
Average total loans$6,838,646,000120
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1170%480
Cost of funding earning assets0.3311%3,826
Net interest margin4.7859%366
Noninterest income to average assets0.7973%1,625
Noninterest expense to average assets1.8265%5,620
Loan and lease loss provision to assets0.2437%732
Net operating income to assets1.8623%429
Return on assets (ROA)1.8626%456
Pretax return on assets2.9791%134
Return on Equity (ROE)14.5795%731
Retained earnings to average equity (ytd only)11.2115%615
Net charge-offs to loans0.1538%1,198
Credit loss provision to net charge-offs218.7669%1,024
Earnings coverage of net charge-offs (x)28.9272%1,202
Efficiency ratio35.4581%6,030
Assets per employee ($millions)6.5715%1,068
Cash dividends to net income (ytd only)*23.1009%2,505
Condition Ratios (%)
Loss allowance to loans1.0552%4,314
Loan loss allowance to noncurrent loans123.4902%3,171
Noncurrent assets plus other real estate owned to assets0.8404%2,584
Noncurrent loans to loans0.8545%2,711
Net loans and leases to total assets72.3501%1,977
Net loans and leases to deposits102.1455%503
Net loans and leases to core deposits117.8642%532
Total domestic deposits to total assets70.8304%5,832
Equity capital to assets12.8959%1,461
Core capital (leverage) ratio9.0900%4,746
Tier 1 risk-based capital ratio10.1988%5,861
Total risk-based capital ratio11.1068%5,912
Memoranda:
Average total assets$9,317,924,500120
Average earning assets$8,277,959,500124
Average equity$1,190,381,500122
Average total loans$6,746,891,500119
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2919%371
Cost of funding earning assets0.2845%4,421
Net interest margin5.0075%252
Noninterest income to average assets0.7694%1,901
Noninterest expense to average assets2.0881%5,276
Loan and lease loss provision to assets0.3093%545
Net operating income to assets1.7566%523
Return on assets (ROA)1.7566%540
Pretax return on assets2.7809%142
Return on Equity (ROE)13.5672%935
Retained earnings to average equity (ytd only)6.3352%1,638
Net charge-offs to loans0.2180%1,355
Credit loss provision to net charge-offs202.7720%1,375
Earnings coverage of net charge-offs (x)20.2600%1,888
Efficiency ratio39.3566%6,074
Assets per employee ($millions)6.5062%1,096
Cash dividends to net income (ytd only)*53.3052%2,120
Condition Ratios (%)
Loss allowance to loans1.0423%4,369
Loan loss allowance to noncurrent loans108.9953%3,486
Noncurrent assets plus other real estate owned to assets0.8921%2,438
Noncurrent loans to loans0.9563%2,419
Net loans and leases to total assets70.9383%2,209
Net loans and leases to deposits101.0014%609
Net loans and leases to core deposits113.2257%719
Total domestic deposits to total assets70.2349%5,884
Equity capital to assets12.6531%1,531
Core capital (leverage) ratio8.9279%4,969
Tier 1 risk-based capital ratio10.1759%5,903
Total risk-based capital ratio11.0766%5,953
Memoranda:
Average total assets$8,136,555,800133
Average earning assets$7,163,798,600132
Average equity$1,053,469,800131
Average total loans$5,692,605,600130
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2591%399
Cost of funding earning assets0.2752%4,610
Net interest margin4.9839%265
Noninterest income to average assets0.7818%1,877
Noninterest expense to average assets2.0919%5,289
Loan and lease loss provision to assets0.2763%578
Net operating income to assets1.7660%560
Return on assets (ROA)1.7661%575
Pretax return on assets2.7908%145
Return on Equity (ROE)13.5495%992
Retained earnings to average equity (ytd only)4.9146%2,976
Net charge-offs to loans0.2220%1,174
Credit loss provision to net charge-offs179.1304%1,473
Earnings coverage of net charge-offs (x)19.8871%1,907
Efficiency ratio39.4910%6,141
Assets per employee ($millions)6.1474%1,274
Cash dividends to net income (ytd only)*63.7290%1,268
Condition Ratios (%)
Loss allowance to loans1.0600%4,427
Loan loss allowance to noncurrent loans117.9788%3,309
Noncurrent assets plus other real estate owned to assets0.8827%2,671
Noncurrent loans to loans0.8985%2,724
Net loans and leases to total assets70.1434%2,368
Net loans and leases to deposits98.7039%751
Net loans and leases to core deposits106.6496%1,054
Total domestic deposits to total assets71.0645%5,922
Equity capital to assets12.3473%1,835
Core capital (leverage) ratio8.9605%5,037
Tier 1 risk-based capital ratio10.2198%5,970
Total risk-based capital ratio11.1387%6,036
Memoranda:
Average total assets$7,854,474,500137
Average earning assets$6,898,017,750138
Average equity$1,023,763,250135
Average total loans$5,455,364,250136
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2287%410
Cost of funding earning assets0.2692%4,728
Net interest margin4.9595%268
Noninterest income to average assets0.7894%1,823
Noninterest expense to average assets2.1092%5,318
Loan and lease loss provision to assets0.2397%758
Net operating income to assets1.7521%568
Return on assets (ROA)1.7522%594
Pretax return on assets2.7811%164
Return on Equity (ROE)13.1866%1,083
Retained earnings to average equity (ytd only)3.6150%3,725
Net charge-offs to loans0.1931%1,301
Credit loss provision to net charge-offs180.1533%1,346
Earnings coverage of net charge-offs (x)22.7009%1,636
Efficiency ratio39.9796%6,205
Assets per employee ($millions)5.7418%1,536
Cash dividends to net income (ytd only)*72.5855%1,119
Condition Ratios (%)
Loss allowance to loans1.0648%4,513
Loan loss allowance to noncurrent loans121.8051%3,248
Noncurrent assets plus other real estate owned to assets0.8743%2,800
Noncurrent loans to loans0.8742%2,945
Net loans and leases to total assets69.4492%2,417
Net loans and leases to deposits93.7892%1,171
Net loans and leases to core deposits100.7790%1,422
Total domestic deposits to total assets74.0481%5,789
Equity capital to assets12.7005%1,545
Core capital (leverage) ratio9.0825%4,848
Tier 1 risk-based capital ratio10.1897%6,032
Total risk-based capital ratio11.0824%6,087
Memoranda:
Average total assets$7,648,928,330141
Average earning assets$6,694,208,670144
Average equity$1,016,367,330137
Average total loans$5,271,956,000143
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1953%408
Cost of funding earning assets0.2763%4,709
Net interest margin4.9190%288
Noninterest income to average assets0.7533%1,894
Noninterest expense to average assets2.1037%5,375
Loan and lease loss provision to assets0.2035%898
Net operating income to assets1.7263%557
Return on assets (ROA)1.7265%589
Pretax return on assets2.7354%179
Return on Equity (ROE)12.6894%1,166
Retained earnings to average equity (ytd only)3.7183%3,778
Net charge-offs to loans0.2456%972
Credit loss provision to net charge-offs121.4561%1,432
Earnings coverage of net charge-offs (x)17.5369%1,519
Efficiency ratio40.5161%6,257
Assets per employee ($millions)5.5976%1,712
Cash dividends to net income (ytd only)*70.6979%1,164
Condition Ratios (%)
Loss allowance to loans1.1085%4,468
Loan loss allowance to noncurrent loans108.5994%3,482
Noncurrent assets plus other real estate owned to assets1.0100%2,605
Noncurrent loans to loans1.0207%2,719
Net loans and leases to total assets67.2324%2,569
Net loans and leases to deposits84.3750%2,021
Net loans and leases to core deposits89.1691%2,211
Total domestic deposits to total assets79.6829%5,125
Equity capital to assets13.5836%1,138
Core capital (leverage) ratio9.4045%4,426
Tier 1 risk-based capital ratio11.0524%5,779
Total risk-based capital ratio11.9735%5,853
Memoranda:
Average total assets$7,442,630,000142
Average earning assets$6,489,633,000144
Average equity$1,012,625,000137
Average total loans$5,078,474,500145
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6421%249
Cost of funding earning assets0.2936%4,858
Net interest margin5.3485%167
Noninterest income to average assets0.6070%2,815
Noninterest expense to average assets2.2447%5,256
Loan and lease loss provision to assets0.3253%603
Net operating income to assets1.6740%608
Return on assets (ROA)1.6740%634
Pretax return on assets2.6280%158
Return on Equity (ROE)12.4444%1,280
Retained earnings to average equity (ytd only)3.4361%3,768
Net charge-offs to loans0.2234%1,878
Credit loss provision to net charge-offs218.9970%1,141
Earnings coverage of net charge-offs (x)19.8840%1,749
Efficiency ratio41.9057%6,367
Assets per employee ($millions)5.3628%1,897
Cash dividends to net income (ytd only)*72.3884%1,198
Condition Ratios (%)
Loss allowance to loans1.0877%4,600
Loan loss allowance to noncurrent loans88.6574%3,996
Noncurrent assets plus other real estate owned to assets1.1764%2,412
Noncurrent loans to loans1.2269%2,400
Net loans and leases to total assets67.7428%2,599
Net loans and leases to deposits91.2415%1,373
Net loans and leases to core deposits96.1390%1,705
Total domestic deposits to total assets74.2456%5,928
Equity capital to assets13.6283%1,104
Core capital (leverage) ratio9.2540%4,597
Tier 1 risk-based capital ratio11.4146%5,709
Total risk-based capital ratio12.3753%5,796
Memoranda:
Average total assets$6,967,844,200148
Average earning assets$5,981,048,600151
Average equity$937,311,000139
Average total loans$4,632,381,000152
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6579%243
Cost of funding earning assets0.2999%4,889
Net interest margin5.3580%164
Noninterest income to average assets0.6354%2,649
Noninterest expense to average assets2.2643%5,195
Loan and lease loss provision to assets0.3360%537
Net operating income to assets1.6681%656
Return on assets (ROA)1.6681%683
Pretax return on assets2.6158%178
Return on Equity (ROE)12.4440%1,354
Retained earnings to average equity (ytd only)3.5512%4,120
Net charge-offs to loans0.2105%1,785
Credit loss provision to net charge-offs241.9896%1,085
Earnings coverage of net charge-offs (x)21.2614%1,686
Efficiency ratio42.1184%6,412
Assets per employee ($millions)5.2968%1,904
Cash dividends to net income (ytd only)*71.4627%977
Condition Ratios (%)
Loss allowance to loans1.0932%4,778
Loan loss allowance to noncurrent loans75.4429%4,320
Noncurrent assets plus other real estate owned to assets1.4319%2,158
Noncurrent loans to loans1.4490%2,244
Net loans and leases to total assets66.5174%2,770
Net loans and leases to deposits89.7442%1,449
Net loans and leases to core deposits94.9409%1,766
Total domestic deposits to total assets74.1189%6,007
Equity capital to assets13.4210%1,221
Core capital (leverage) ratio9.3554%4,563
Tier 1 risk-based capital ratio11.3879%5,844
Total risk-based capital ratio12.3572%5,906
Memoranda:
Average total assets$6,863,672,250146
Average earning assets$5,867,840,250153
Average equity$920,043,000140
Average total loans$4,526,101,250151
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7456%200
Cost of funding earning assets0.3035%4,938
Net interest margin5.4421%143
Noninterest income to average assets0.6658%2,457
Noninterest expense to average assets2.2295%5,346
Loan and lease loss provision to assets0.3864%443
Net operating income to assets1.7029%576
Return on assets (ROA)1.7029%602
Pretax return on assets2.6828%162
Return on Equity (ROE)12.7097%1,254
Retained earnings to average equity (ytd only)4.0156%3,624
Net charge-offs to loans0.2069%1,785
Credit loss provision to net charge-offs285.1868%897
Earnings coverage of net charge-offs (x)22.6511%1,504
Efficiency ratio40.7835%6,509
Assets per employee ($millions)4.9458%2,287
Cash dividends to net income (ytd only)*68.4051%1,216
Condition Ratios (%)
Loss allowance to loans1.1640%4,594
Loan loss allowance to noncurrent loans62.8055%4,724
Noncurrent assets plus other real estate owned to assets1.7958%1,806
Noncurrent loans to loans1.8533%1,852
Net loans and leases to total assets65.2221%2,876
Net loans and leases to deposits83.1099%2,134
Net loans and leases to core deposits88.5110%2,255
Total domestic deposits to total assets78.4769%5,555
Equity capital to assets13.7827%1,058
Core capital (leverage) ratio9.0680%4,911
Tier 1 risk-based capital ratio11.6939%5,695
Total risk-based capital ratio12.7261%5,766
Memoranda:
Average total assets$6,755,629,670147
Average earning assets$5,751,299,330154
Average equity$905,166,000141
Average total loans$4,423,474,000152
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6856%231
Cost of funding earning assets0.3123%4,948
Net interest margin5.3734%149
Noninterest income to average assets0.6865%2,243
Noninterest expense to average assets2.2390%5,360
Loan and lease loss provision to assets0.4080%409
Net operating income to assets1.6578%609
Return on assets (ROA)1.6578%638
Pretax return on assets2.6045%198
Return on Equity (ROE)12.5491%1,275
Retained earnings to average equity (ytd only)4.5544%3,391
Net charge-offs to loans0.1588%1,767
Credit loss provision to net charge-offs393.7571%661
Earnings coverage of net charge-offs (x)29.0755%1,068
Efficiency ratio41.3282%6,564
Assets per employee ($millions)4.9778%2,277
Cash dividends to net income (ytd only)*63.7073%1,309
Condition Ratios (%)
Loss allowance to loans1.1141%5,054
Loan loss allowance to noncurrent loans61.8909%4,770
Noncurrent assets plus other real estate owned to assets1.8119%1,932
Noncurrent loans to loans1.8002%2,140
Net loans and leases to total assets64.1347%2,867
Net loans and leases to deposits81.1302%2,148
Net loans and leases to core deposits87.0845%2,185
Total domestic deposits to total assets79.0516%5,674
Equity capital to assets13.3645%1,150
Core capital (leverage) ratio8.7157%5,362
Tier 1 risk-based capital ratio11.2226%6,059
Total risk-based capital ratio12.2043%6,125
Memoranda:
Average total assets$6,802,445,500144
Average earning assets$5,779,113,000153
Average equity$898,646,500143
Average total loans$4,437,079,000152
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4796%374
Cost of funding earning assets0.3520%5,112
Net interest margin5.1276%240
Noninterest income to average assets0.8151%2,005
Noninterest expense to average assets2.7196%4,027
Loan and lease loss provision to assets0.1102%2,965
Net operating income to assets1.4768%864
Return on assets (ROA)1.4783%909
Pretax return on assets2.3283%253
Return on Equity (ROE)11.9647%1,431
Retained earnings to average equity (ytd only)-3.7279%6,310
Net charge-offs to loans0.5077%1,308
Credit loss provision to net charge-offs33.5275%4,170
Earnings coverage of net charge-offs (x)7.4148%2,848
Efficiency ratio51.2629%6,349
Assets per employee ($millions)4.6619%2,637
Cash dividends to net income (ytd only)*131.1574%195
Condition Ratios (%)
Loss allowance to loans0.9787%5,665
Loan loss allowance to noncurrent loans59.1168%4,897
Noncurrent assets plus other real estate owned to assets1.8312%2,002
Noncurrent loans to loans1.6555%2,425
Net loans and leases to total assets64.9536%2,879
Net loans and leases to deposits82.1044%2,169
Net loans and leases to core deposits88.6335%2,174
Total domestic deposits to total assets79.1110%5,630
Equity capital to assets13.0578%1,252
Core capital (leverage) ratio8.3233%5,849
Tier 1 risk-based capital ratio10.6820%6,306
Total risk-based capital ratio11.5472%6,389
Memoranda:
Average total assets$4,702,560,000185
Average earning assets$3,980,832,000191
Average equity$581,025,600176
Average total loans$3,043,361,600187
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5223%357
Cost of funding earning assets0.3629%5,160
Net interest margin5.1594%232
Noninterest income to average assets0.8497%1,936
Noninterest expense to average assets2.3890%5,055
Loan and lease loss provision to assets0.0272%4,467
Net operating income to assets1.7712%559
Return on assets (ROA)1.7735%582
Pretax return on assets2.8011%169
Return on Equity (ROE)14.6952%856
Retained earnings to average equity (ytd only)3.7906%3,987
Net charge-offs to loans0.6522%938
Credit loss provision to net charge-offs6.4722%4,261
Earnings coverage of net charge-offs (x)6.7301%2,919
Efficiency ratio44.3459%6,645
Assets per employee ($millions)4.5785%2,757
Cash dividends to net income (ytd only)*74.2053%944
Condition Ratios (%)
Loss allowance to loans1.4421%3,724
Loan loss allowance to noncurrent loans52.1978%5,134
Noncurrent assets plus other real estate owned to assets2.7141%1,385
Noncurrent loans to loans2.7628%1,522
Net loans and leases to total assets63.7693%3,032
Net loans and leases to deposits80.6190%2,320
Net loans and leases to core deposits85.1214%2,527
Total domestic deposits to total assets79.0996%5,728
Equity capital to assets12.1302%1,842
Core capital (leverage) ratio10.3032%3,240
Tier 1 risk-based capital ratio12.7613%5,285
Total risk-based capital ratio13.9760%5,256
Memoranda:
Average total assets$4,171,930,000197
Average earning assets$3,528,784,000204
Average equity$503,480,750190
Average total loans$2,684,963,750193
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4937%375
Cost of funding earning assets0.3858%5,073
Net interest margin5.1080%252
Noninterest income to average assets0.8460%2,012
Noninterest expense to average assets2.3662%5,156
Loan and lease loss provision to assets0.0407%4,141
Net operating income to assets1.7410%584
Return on assets (ROA)1.7444%627
Pretax return on assets2.7526%196
Return on Equity (ROE)14.4789%914
Retained earnings to average equity (ytd only)3.5316%4,072
Net charge-offs to loans0.7772%815
Credit loss provision to net charge-offs8.1488%3,925
Earnings coverage of net charge-offs (x)5.5839%2,863
Efficiency ratio44.4181%6,700
Assets per employee ($millions)4.4522%2,891
Cash dividends to net income (ytd only)*75.6085%1,016
Condition Ratios (%)
Loss allowance to loans1.5530%3,349
Loan loss allowance to noncurrent loans47.5660%5,310
Noncurrent assets plus other real estate owned to assets3.1891%1,246
Noncurrent loans to loans3.2649%1,346
Net loans and leases to total assets64.3593%2,859
Net loans and leases to deposits78.2948%2,531
Net loans and leases to core deposits82.5579%2,747
Total domestic deposits to total assets82.2012%4,981
Equity capital to assets12.2873%1,716
Core capital (leverage) ratio9.8651%3,696
Tier 1 risk-based capital ratio12.8927%5,232
Total risk-based capital ratio14.1437%5,163
Memoranda:
Average total assets$4,178,332,670196
Average earning assets$3,524,043,000204
Average equity$503,396,330191
Average total loans$2,684,314,670193
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4377%405
Cost of funding earning assets0.4017%5,084
Net interest margin5.0361%282
Noninterest income to average assets0.8183%2,057
Noninterest expense to average assets2.3498%5,273
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.7209%558
Return on assets (ROA)1.7209%618
Pretax return on assets2.7036%209
Return on Equity (ROE)14.4225%876
Retained earnings to average equity (ytd only)3.4283%4,195
Net charge-offs to loans0.6978%880
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)6.0828%2,279
Efficiency ratio44.9974%6,732
Assets per employee ($millions)4.7128%2,631
Cash dividends to net income (ytd only)*76.2292%954
Condition Ratios (%)
Loss allowance to loans1.7218%2,918
Loan loss allowance to noncurrent loans50.4553%5,149
Noncurrent assets plus other real estate owned to assets3.3151%1,321
Noncurrent loans to loans3.4126%1,412
Net loans and leases to total assets62.1601%3,032
Net loans and leases to deposits75.1642%2,749
Net loans and leases to core deposits80.4011%2,758
Total domestic deposits to total assets82.6991%4,953
Equity capital to assets11.9904%2,052
Core capital (leverage) ratio9.6684%3,828
Tier 1 risk-based capital ratio12.9865%5,229
Total risk-based capital ratio14.2394%5,176
Memoranda:
Average total assets$4,226,149,500199
Average earning assets$3,554,051,000207
Average equity$504,267,000195
Average total loans$2,691,949,500198
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3376%853
Cost of funding earning assets0.5918%4,424
Net interest margin4.7458%600
Noninterest income to average assets1.1537%1,174
Noninterest expense to average assets2.4745%5,177
Loan and lease loss provision to assets0.0691%4,883
Net operating income to assets1.6572%676
Return on assets (ROA)1.6574%753
Pretax return on assets2.5952%225
Return on Equity (ROE)13.4360%1,116
Retained earnings to average equity (ytd only)3.5773%3,690
Net charge-offs to loans0.4129%2,597
Credit loss provision to net charge-offs26.8345%5,175
Earnings coverage of net charge-offs (x)10.3388%2,151
Efficiency ratio46.8048%6,758
Assets per employee ($millions)4.5287%2,909
Cash dividends to net income (ytd only)*73.3752%1,231
Condition Ratios (%)
Loss allowance to loans1.8642%2,407
Loan loss allowance to noncurrent loans51.5937%5,049
Noncurrent assets plus other real estate owned to assets3.5437%1,272
Noncurrent loans to loans3.6131%1,359
Net loans and leases to total assets62.9483%3,066
Net loans and leases to deposits75.7298%2,845
Net loans and leases to core deposits81.6435%2,805
Total domestic deposits to total assets83.1222%4,667
Equity capital to assets11.8740%2,130
Core capital (leverage) ratio9.8428%3,615
Tier 1 risk-based capital ratio12.5725%5,425
Total risk-based capital ratio13.8274%5,374
Memoranda:
Average total assets$3,977,080,000206
Average earning assets$3,339,396,000210
Average equity$490,591,400197
Average total loans$2,482,204,600199
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3548%913
Cost of funding earning assets0.6395%4,286
Net interest margin4.7153%658
Noninterest income to average assets1.0409%1,398
Noninterest expense to average assets2.3843%5,442
Loan and lease loss provision to assets0.0511%5,116
Net operating income to assets1.6450%768
Return on assets (ROA)1.6453%848
Pretax return on assets2.5698%263
Return on Equity (ROE)13.2041%1,288
Retained earnings to average equity (ytd only)3.4728%4,422
Net charge-offs to loans0.2856%3,012
Credit loss provision to net charge-offs28.8962%4,813
Earnings coverage of net charge-offs (x)14.8149%1,814
Efficiency ratio46.2648%6,807
Assets per employee ($millions)4.5781%2,784
Cash dividends to net income (ytd only)*73.6988%813
Condition Ratios (%)
Loss allowance to loans2.1919%1,720
Loan loss allowance to noncurrent loans57.0669%4,798
Noncurrent assets plus other real estate owned to assets3.6655%1,353
Noncurrent loans to loans3.8409%1,367
Net loans and leases to total assets62.6461%3,268
Net loans and leases to deposits76.6145%2,891
Net loans and leases to core deposits84.0828%2,683
Total domestic deposits to total assets81.7679%5,097
Equity capital to assets12.8022%1,705
Core capital (leverage) ratio10.2433%3,235
Tier 1 risk-based capital ratio14.1165%4,440
Total risk-based capital ratio15.3749%4,395
Memoranda:
Average total assets$3,912,762,000213
Average earning assets$3,289,283,500212
Average equity$487,543,000200
Average total loans$2,423,735,000203
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3631%937
Cost of funding earning assets0.6880%4,115
Net interest margin4.6751%710
Noninterest income to average assets1.0361%1,361
Noninterest expense to average assets2.3966%5,472
Loan and lease loss provision to assets0.0679%4,779
Net operating income to assets1.5998%834
Return on assets (ROA)1.6001%932
Pretax return on assets2.4990%300
Return on Equity (ROE)12.9588%1,372
Retained earnings to average equity (ytd only)3.3617%4,366
Net charge-offs to loans0.1902%3,443
Credit loss provision to net charge-offs58.3115%3,846
Earnings coverage of net charge-offs (x)22.0293%1,321
Efficiency ratio46.9297%6,834
Assets per employee ($millions)4.6893%2,584
Cash dividends to net income (ytd only)*74.0589%965
Condition Ratios (%)
Loss allowance to loans2.2897%1,606
Loan loss allowance to noncurrent loans51.9504%5,006
Noncurrent assets plus other real estate owned to assets3.9107%1,326
Noncurrent loans to loans4.4075%1,211
Net loans and leases to total assets59.5865%3,901
Net loans and leases to deposits72.2088%3,583
Net loans and leases to core deposits80.2971%3,177
Total domestic deposits to total assets82.5197%4,944
Equity capital to assets12.1106%2,062
Core capital (leverage) ratio9.8674%3,625
Tier 1 risk-based capital ratio14.0676%4,395
Total risk-based capital ratio15.3271%4,349
Memoranda:
Average total assets$3,924,451,670212
Average earning assets$3,296,389,330213
Average equity$484,581,000199
Average total loans$2,403,758,670204
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3346%1,035
Cost of funding earning assets0.7330%4,002
Net interest margin4.6016%824
Noninterest income to average assets1.0005%1,423
Noninterest expense to average assets2.4290%5,375
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.5745%908
Return on assets (ROA)1.5758%1,009
Pretax return on assets2.4272%370
Return on Equity (ROE)12.6346%1,502
Retained earnings to average equity (ytd only)3.7782%4,319
Net charge-offs to loans0.1881%2,975
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)21.0072%1,170
Efficiency ratio48.6946%6,759
Assets per employee ($millions)4.6760%2,700
Cash dividends to net income (ytd only)*70.0966%982
Condition Ratios (%)
Loss allowance to loans2.0393%2,239
Loan loss allowance to noncurrent loans39.6310%5,640
Noncurrent assets plus other real estate owned to assets4.4245%1,215
Noncurrent loans to loans5.1456%1,071
Net loans and leases to total assets59.2170%3,820
Net loans and leases to deposits71.6816%3,479
Net loans and leases to core deposits81.6144%2,883
Total domestic deposits to total assets82.6112%5,075
Equity capital to assets11.6915%2,270
Core capital (leverage) ratio10.3877%2,888
Tier 1 risk-based capital ratio13.6878%4,690
Total risk-based capital ratio14.9445%4,665
Memoranda:
Average total assets$3,863,230,500211
Average earning assets$3,235,337,500213
Average equity$481,820,000197
Average total loans$2,371,683,500204
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6334%893
Cost of funding earning assets0.9276%3,902
Net interest margin4.7058%748
Noninterest income to average assets1.0296%1,288
Noninterest expense to average assets2.4902%5,499
Loan and lease loss provision to assets0.0956%5,400
Net operating income to assets1.5393%762
Return on assets (ROA)1.5792%756
Pretax return on assets2.4396%230
Return on Equity (ROE)12.2152%1,351
Retained earnings to average equity (ytd only)3.8142%3,501
Net charge-offs to loans0.1995%4,542
Credit loss provision to net charge-offs74.1683%4,697
Earnings coverage of net charge-offs (x)19.1907%1,173
Efficiency ratio48.6091%6,911
Assets per employee ($millions)4.6360%2,705
Cash dividends to net income (ytd only)*68.7753%1,192
Condition Ratios (%)
Loss allowance to loans2.3253%1,585
Loan loss allowance to noncurrent loans35.6806%5,861
Noncurrent assets plus other real estate owned to assets5.5163%927
Noncurrent loans to loans6.5170%714
Net loans and leases to total assets61.0242%3,780
Net loans and leases to deposits75.7176%3,220
Net loans and leases to core deposits87.6160%2,415
Total domestic deposits to total assets80.5944%5,562
Equity capital to assets13.3721%1,334
Core capital (leverage) ratio11.6476%1,793
Tier 1 risk-based capital ratio15.6787%3,223
Total risk-based capital ratio16.9382%3,177
Memoranda:
Average total assets$3,660,793,400213
Average earning assets$3,060,668,800218
Average equity$473,262,600192
Average total loans$2,364,878,800208
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6324%969
Cost of funding earning assets0.9544%4,006
Net interest margin4.6780%801
Noninterest income to average assets1.0183%1,300
Noninterest expense to average assets2.4932%5,483
Loan and lease loss provision to assets0.0453%5,876
Net operating income to assets1.5550%837
Return on assets (ROA)1.5551%913
Pretax return on assets2.3945%300
Return on Equity (ROE)12.1306%1,517
Retained earnings to average equity (ytd only)4.1066%3,808
Net charge-offs to loans0.0050%6,117
Credit loss provision to net charge-offs1,404.4944%195
Earnings coverage of net charge-offs (x)756.3831%42
Efficiency ratio48.9843%6,889
Assets per employee ($millions)4.5713%2,807
Cash dividends to net income (ytd only)*66.1470%994
Condition Ratios (%)
Loss allowance to loans2.3317%1,640
Loan loss allowance to noncurrent loans35.9559%5,902
Noncurrent assets plus other real estate owned to assets5.5541%996
Noncurrent loans to loans6.4849%815
Net loans and leases to total assets63.3034%3,453
Net loans and leases to deposits78.4576%2,894
Net loans and leases to core deposits91.0716%2,112
Total domestic deposits to total assets80.6849%5,536
Equity capital to assets13.2274%1,502
Core capital (leverage) ratio11.4147%2,091
Tier 1 risk-based capital ratio15.2004%3,546
Total risk-based capital ratio16.4605%3,502
Memoranda:
Average total assets$3,678,931,500212
Average earning assets$3,078,540,250217
Average equity$471,622,750193
Average total loans$2,395,642,500206
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5812%1,105
Cost of funding earning assets0.9682%4,184
Net interest margin4.6129%888
Noninterest income to average assets0.9997%1,318
Noninterest expense to average assets2.4792%5,617
Loan and lease loss provision to assets0.0675%5,463
Net operating income to assets1.5018%890
Return on assets (ROA)1.5018%947
Pretax return on assets2.3199%337
Return on Equity (ROE)11.8369%1,543
Retained earnings to average equity (ytd only)11.8369%538
Net charge-offs to loans-0.1812%7,278
Credit loss provision to net charge-offs-57.1298%6,259
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3707%6,981
Assets per employee ($millions)4.6147%2,664
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.4051%1,581
Loan loss allowance to noncurrent loans34.0071%6,048
Noncurrent assets plus other real estate owned to assets5.6764%1,023
Noncurrent loans to loans7.0724%723
Net loans and leases to total assets62.6493%3,753
Net loans and leases to deposits77.9565%3,125
Net loans and leases to core deposits90.3873%2,321
Total domestic deposits to total assets80.3645%5,723
Equity capital to assets13.2445%1,410
Core capital (leverage) ratio11.4052%1,974
Tier 1 risk-based capital ratio15.7545%3,104
Total risk-based capital ratio17.0158%3,076
Memoranda:
Average total assets$3,702,993,670214
Average earning assets$3,104,190,000220
Average equity$469,803,670197
Average total loans$2,414,956,670208
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5081%1,273
Cost of funding earning assets0.9877%4,286
Net interest margin4.5204%1,024
Noninterest income to average assets1.0491%1,198
Noninterest expense to average assets2.4744%5,648
Loan and lease loss provision to assets0.1346%4,325
Net operating income to assets1.4507%987
Return on assets (ROA)1.4507%1,022
Pretax return on assets2.2285%381
Return on Equity (ROE)11.6883%1,546
Retained earnings to average equity (ytd only)11.6883%780
Net charge-offs to loans0.1649%3,490
Credit loss provision to net charge-offs124.1311%2,216
Earnings coverage of net charge-offs (x)21.7974%1,071
Efficiency ratio49.5638%7,018
Assets per employee ($millions)4.6768%2,613
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.2184%1,919
Loan loss allowance to noncurrent loans39.8603%5,630
Noncurrent assets plus other real estate owned to assets4.7053%1,358
Noncurrent loans to loans5.5654%1,170
Net loans and leases to total assets64.0974%3,425
Net loans and leases to deposits79.4036%2,828
Net loans and leases to core deposits91.0416%2,237
Total domestic deposits to total assets80.7235%5,740
Equity capital to assets12.7052%1,519
Core capital (leverage) ratio10.9791%2,210
Tier 1 risk-based capital ratio15.0757%3,385
Total risk-based capital ratio16.3353%3,340
Memoranda:
Average total assets$3,715,547,500212
Average earning assets$3,113,802,000222
Average equity$461,146,000196
Average total loans$2,441,958,000207
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5316%2,156
Cost of funding earning assets1.1811%4,668
Net interest margin4.3505%1,645
Noninterest income to average assets2.1082%363
Noninterest expense to average assets2.5404%5,647
Loan and lease loss provision to assets2.2923%531
Net operating income to assets0.7342%3,077
Return on assets (ROA)0.6543%3,563
Pretax return on assets0.9153%3,222
Return on Equity (ROE)5.2855%3,955
Retained earnings to average equity (ytd only)5.2855%2,258
Net charge-offs to loans2.8012%627
Credit loss provision to net charge-offs116.6104%3,683
Earnings coverage of net charge-offs (x)1.6889%4,465
Efficiency ratio41.9945%7,465
Assets per employee ($millions)5.3665%1,699
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.1614%1,942
Loan loss allowance to noncurrent loans33.3961%6,087
Noncurrent assets plus other real estate owned to assets5.1506%1,234
Noncurrent loans to loans6.4721%927
Net loans and leases to total assets64.4669%3,765
Net loans and leases to deposits79.8985%3,195
Net loans and leases to core deposits91.9247%2,511
Total domestic deposits to total assets80.6860%5,624
Equity capital to assets12.1221%1,842
Core capital (leverage) ratio10.3196%2,750
Tier 1 risk-based capital ratio14.3220%3,662
Total risk-based capital ratio15.5811%3,607
Memoranda:
Average total assets$3,178,007,000237
Average earning assets$2,741,000,600239
Average equity$393,434,400213
Average total loans$2,230,252,000221
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5148%2,377
Cost of funding earning assets1.2098%4,806
Net interest margin4.3050%1,835
Noninterest income to average assets1.3980%693
Noninterest expense to average assets2.4378%5,923
Loan and lease loss provision to assets0.4326%3,317
Net operating income to assets1.4848%950
Return on assets (ROA)1.4857%1,029
Pretax return on assets2.2714%361
Return on Equity (ROE)11.9243%1,525
Retained earnings to average equity (ytd only)11.9243%471
Net charge-offs to loans0.5550%3,093
Credit loss provision to net charge-offs109.0084%3,902
Earnings coverage of net charge-offs (x)6.8104%2,448
Efficiency ratio45.9697%7,382
Assets per employee ($millions)5.3024%1,822
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.8525%2,625
Loan loss allowance to noncurrent loans34.0099%6,065
Noncurrent assets plus other real estate owned to assets4.7369%1,393
Noncurrent loans to loans5.4470%1,225
Net loans and leases to total assets68.6790%3,058
Net loans and leases to deposits86.9540%2,159
Net loans and leases to core deposits102.5793%1,595
Total domestic deposits to total assets78.9831%6,023
Equity capital to assets12.7597%1,709
Core capital (leverage) ratio10.8556%2,367
Tier 1 risk-based capital ratio14.1325%3,737
Total risk-based capital ratio15.3884%3,704
Memoranda:
Average total assets$3,036,058,250239
Average earning assets$2,639,208,000240
Average equity$378,275,750218
Average total loans$2,170,777,750225
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4583%2,710
Cost of funding earning assets1.2201%5,017
Net interest margin4.2382%2,027
Noninterest income to average assets1.6290%489
Noninterest expense to average assets2.4065%6,053
Loan and lease loss provision to assets0.4688%2,974
Net operating income to assets1.6089%719
Return on assets (ROA)1.6089%770
Pretax return on assets2.4715%244
Return on Equity (ROE)13.0338%1,232
Retained earnings to average equity (ytd only)13.0338%377
Net charge-offs to loans0.5891%2,761
Credit loss provision to net charge-offs110.3948%3,683
Earnings coverage of net charge-offs (x)6.9236%2,387
Efficiency ratio43.6753%7,533
Assets per employee ($millions)4.8182%2,423
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.9972%2,190
Loan loss allowance to noncurrent loans71.3300%3,783
Noncurrent assets plus other real estate owned to assets2.6506%2,727
Noncurrent loans to loans2.7999%2,854
Net loans and leases to total assets70.7293%2,737
Net loans and leases to deposits91.9492%1,542
Net loans and leases to core deposits109.6500%1,187
Total domestic deposits to total assets76.9222%6,524
Equity capital to assets12.7575%1,667
Core capital (leverage) ratio10.8085%2,394
Tier 1 risk-based capital ratio13.7960%3,883
Total risk-based capital ratio15.0535%3,841
Memoranda:
Average total assets$2,922,202,000247
Average earning assets$2,563,415,670248
Average equity$360,709,330220
Average total loans$2,106,536,000229
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2607%3,727
Cost of funding earning assets1.2001%5,405
Net interest margin4.0606%2,610
Noninterest income to average assets2.2488%289
Noninterest expense to average assets2.4131%6,039
Loan and lease loss provision to assets0.4320%2,798
Net operating income to assets1.9160%403
Return on assets (ROA)1.9160%440
Pretax return on assets2.9712%142
Return on Equity (ROE)15.8010%748
Retained earnings to average equity (ytd only)15.8010%354
Net charge-offs to loans0.6238%2,262
Credit loss provision to net charge-offs96.1240%3,520
Earnings coverage of net charge-offs (x)7.5724%2,066
Efficiency ratio40.3671%7,723
Assets per employee ($millions)5.1342%2,048
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.9604%2,284
Loan loss allowance to noncurrent loans74.9838%3,628
Noncurrent assets plus other real estate owned to assets2.7216%2,675
Noncurrent loans to loans2.6144%3,052
Net loans and leases to total assets69.9060%2,964
Net loans and leases to deposits90.6034%1,816
Net loans and leases to core deposits105.4214%1,626
Total domestic deposits to total assets77.1561%6,522
Equity capital to assets12.1922%1,938
Core capital (leverage) ratio11.7353%1,785
Tier 1 risk-based capital ratio13.2091%4,205
Total risk-based capital ratio14.4659%4,150
Memoranda:
Average total assets$2,870,382,000260
Average earning assets$2,521,776,500264
Average equity$348,053,000230
Average total loans$2,067,918,000243
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6880%3,169
Cost of funding earning assets1.6037%5,007
Net interest margin4.0843%2,512
Noninterest income to average assets1.0851%1,309
Noninterest expense to average assets2.5147%6,077
Loan and lease loss provision to assets0.4247%4,281
Net operating income to assets1.1981%1,248
Return on assets (ROA)1.1982%1,299
Pretax return on assets1.7728%670
Return on Equity (ROE)10.2901%1,609
Retained earnings to average equity (ytd only)9.5969%417
Net charge-offs to loans0.4361%4,057
Credit loss provision to net charge-offs130.2114%3,918
Earnings coverage of net charge-offs (x)6.7374%2,299
Efficiency ratio51.9056%7,394
Assets per employee ($millions)5.9459%1,283
Cash dividends to net income (ytd only)*6.7364%3,940
Condition Ratios (%)
Loss allowance to loans2.2032%1,650
Loan loss allowance to noncurrent loans107.5731%2,625
Noncurrent assets plus other real estate owned to assets2.1090%3,260
Noncurrent loans to loans2.0481%3,591
Net loans and leases to total assets71.2845%2,929
Net loans and leases to deposits94.7709%1,492
Net loans and leases to core deposits124.6632%1,595
Total domestic deposits to total assets75.2177%6,827
Equity capital to assets12.0494%2,005
Core capital (leverage) ratio10.2080%2,875
Tier 1 risk-based capital ratio12.2115%4,756
Total risk-based capital ratio13.4704%4,716
Memoranda:
Average total assets$2,625,365,800279
Average earning assets$2,331,515,800290
Average equity$305,693,000244
Average total loans$1,963,366,600266
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7244%3,214
Cost of funding earning assets1.6792%5,006
Net interest margin4.0452%2,617
Noninterest income to average assets1.0992%1,316
Noninterest expense to average assets2.5869%5,758
Loan and lease loss provision to assets0.3725%4,094
Net operating income to assets1.1692%1,543
Return on assets (ROA)1.1691%1,599
Pretax return on assets1.7333%907
Return on Equity (ROE)10.1312%1,868
Retained earnings to average equity (ytd only)9.1942%794
Net charge-offs to loans0.4388%3,487
Credit loss provision to net charge-offs112.7761%4,504
Earnings coverage of net charge-offs (x)6.3757%2,620
Efficiency ratio53.6503%7,272
Assets per employee ($millions)5.7376%1,395
Cash dividends to net income (ytd only)*9.2488%3,541
Condition Ratios (%)
Loss allowance to loans2.0908%1,616
Loan loss allowance to noncurrent loans119.3697%2,378
Noncurrent assets plus other real estate owned to assets2.0455%3,292
Noncurrent loans to loans1.7515%3,991
Net loans and leases to total assets73.5994%2,646
Net loans and leases to deposits99.1143%1,202
Net loans and leases to core deposits130.7276%1,387
Total domestic deposits to total assets74.2572%6,905
Equity capital to assets12.0223%2,229
Core capital (leverage) ratio10.2384%3,029
Tier 1 risk-based capital ratio11.6395%5,295
Total risk-based capital ratio12.8966%5,231
Memoranda:
Average total assets$2,612,797,000292
Average earning assets$2,321,190,000303
Average equity$301,516,250259
Average total loans$1,966,637,000278
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7167%3,448
Cost of funding earning assets1.7456%5,041
Net interest margin3.9711%2,825
Noninterest income to average assets1.1567%1,165
Noninterest expense to average assets2.7209%5,303
Loan and lease loss provision to assets0.2874%4,278
Net operating income to assets1.1315%1,661
Return on assets (ROA)1.1313%1,740
Pretax return on assets1.6764%1,059
Return on Equity (ROE)9.9426%2,037
Retained earnings to average equity (ytd only)9.9426%747
Net charge-offs to loans0.2370%4,016
Credit loss provision to net charge-offs161.0133%2,851
Earnings coverage of net charge-offs (x)11.0034%1,943
Efficiency ratio56.6014%7,037
Assets per employee ($millions)5.2246%1,836
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.1191%1,357
Loan loss allowance to noncurrent loans119.3991%2,472
Noncurrent assets plus other real estate owned to assets2.0469%3,132
Noncurrent loans to loans1.7748%3,842
Net loans and leases to total assets75.1174%2,414
Net loans and leases to deposits101.3473%1,134
Net loans and leases to core deposits138.0869%1,103
Total domestic deposits to total assets74.1188%6,938
Equity capital to assets11.9006%2,260
Core capital (leverage) ratio9.9214%3,381
Tier 1 risk-based capital ratio11.3564%5,548
Total risk-based capital ratio12.6143%5,442
Memoranda:
Average total assets$2,609,706,000300
Average earning assets$2,318,657,670311
Average equity$296,943,670263
Average total loans$1,965,169,670288
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8368%3,108
Cost of funding earning assets2.0615%3,821
Net interest margin3.7753%3,560
Noninterest income to average assets1.1981%1,009
Noninterest expense to average assets2.7103%4,951
Loan and lease loss provision to assets0.2445%4,023
Net operating income to assets1.0829%2,022
Return on assets (ROA)1.0829%2,150
Pretax return on assets1.5643%1,496
Return on Equity (ROE)9.7199%2,432
Retained earnings to average equity (ytd only)9.7199%1,270
Net charge-offs to loans0.1369%3,865
Credit loss provision to net charge-offs241.5459%1,931
Earnings coverage of net charge-offs (x)17.8696%1,485
Efficiency ratio58.2968%6,652
Assets per employee ($millions)4.7261%2,404
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.2793%971
Loan loss allowance to noncurrent loans139.7632%2,292
Noncurrent assets plus other real estate owned to assets1.9946%2,915
Noncurrent loans to loans1.6308%3,830
Net loans and leases to total assets72.2071%3,199
Net loans and leases to deposits99.6605%1,457
Net loans and leases to core deposits136.7281%1,260
Total domestic deposits to total assets72.4531%7,141
Equity capital to assets11.2502%2,766
Core capital (leverage) ratio9.1593%4,465
Tier 1 risk-based capital ratio10.8053%6,087
Total risk-based capital ratio12.0647%5,983
Memoranda:
Average total assets$1,635,969,000447
Average earning assets$1,439,152,500463
Average equity$182,265,500391
Average total loans$1,209,491,000442
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5564%2,691
Cost of funding earning assets2.7939%2,733
Net interest margin3.7625%4,169
Noninterest income to average assets0.8658%2,133
Noninterest expense to average assets2.6419%5,477
Loan and lease loss provision to assets1.8138%697
Net operating income to assets-0.0249%6,407
Return on assets (ROA)-0.0249%6,263
Pretax return on assets-0.2083%6,378
Return on Equity (ROE)-0.2646%6,266
Retained earnings to average equity (ytd only)-3.0805%6,131
Net charge-offs to loans1.7779%618
Credit loss provision to net charge-offs129.6343%4,106
Earnings coverage of net charge-offs (x)1.1475%5,550
Efficiency ratio61.7036%6,010
Assets per employee ($millions)5.5181%1,445
Cash dividends to net income (ytd only)*-1,064.0316%8,277
Condition Ratios (%)
Loss allowance to loans2.1958%953
Loan loss allowance to noncurrent loans92.2961%3,680
Noncurrent assets plus other real estate owned to assets2.4832%1,960
Noncurrent loans to loans2.3791%2,312
Net loans and leases to total assets77.6770%2,225
Net loans and leases to deposits104.8564%1,255
Net loans and leases to core deposits139.8072%1,279
Total domestic deposits to total assets74.0794%6,645
Equity capital to assets9.1136%5,204
Core capital (leverage) ratio8.6845%5,222
Tier 1 risk-based capital ratio10.0226%6,711
Total risk-based capital ratio11.2817%6,579
Memoranda:
Average total assets$1,014,394,000653
Average earning assets$911,689,400653
Average equity$95,600,000698
Average total loans$798,319,000594