Home > Centier Bank > Performance and Condition Ratios

Centier Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1210%549
Cost of funding earning assets2.1163%748
Net interest margin4.0047%1,199
Noninterest income to average assets0.7300%1,109
Noninterest expense to average assets1.9461%3,742
Loan and lease loss provision to assets0.1700%757
Net operating income to assets1.8380%579
Return on assets (ROA)1.8397%560
Pretax return on assets2.3720%390
Return on Equity (ROE)21.5600%494
Retained earnings to average equity (ytd only)17.1592%214
Net charge-offs to loans0.0181%1,997
Credit loss provision to net charge-offs1,255.3667%337
Earnings coverage of net charge-offs (x)174.4472%642
Efficiency ratio43.4193%4,270
Assets per employee ($millions)9.0249%975
Cash dividends to net income (ytd only)*20.4015%2,922
Condition Ratios (%)
Loss allowance to loans1.1227%2,707
Loan loss allowance to noncurrent loans570.5283%1,326
Noncurrent assets plus other real estate owned to assets0.1578%2,481
Noncurrent loans to loans0.1968%2,528
Net loans and leases to total assets79.2000%742
Net loans and leases to deposits95.9696%792
Net loans and leases to core deposits122.8070%548
Total domestic deposits to total assets82.5300%3,011
Equity capital to assets8.3787%3,134
Core capital (leverage) ratio9.4673%3,278
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7304%2,650
Memoranda:
Average total assets$7,690,567,200196
Average earning assets$7,202,851,400185
Average equity$656,302,400223
Average total loans$6,177,763,800174
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9603%555
Cost of funding earning assets1.9078%849
Net interest margin4.0525%1,144
Noninterest income to average assets0.7400%1,065
Noninterest expense to average assets1.9774%3,648
Loan and lease loss provision to assets0.1700%682
Net operating income to assets1.8257%637
Return on assets (ROA)1.8331%617
Pretax return on assets2.3879%431
Return on Equity (ROE)21.3700%607
Retained earnings to average equity (ytd only)16.8412%401
Net charge-offs to loans0.0198%1,727
Credit loss provision to net charge-offs1,170.9932%368
Earnings coverage of net charge-offs (x)160.1941%700
Efficiency ratio43.7186%4,245
Assets per employee ($millions)8.5551%1,100
Cash dividends to net income (ytd only)*21.1810%2,416
Condition Ratios (%)
Loss allowance to loans1.1329%2,714
Loan loss allowance to noncurrent loans521.3044%1,420
Noncurrent assets plus other real estate owned to assets0.1757%2,414
Noncurrent loans to loans0.2173%2,481
Net loans and leases to total assets79.9200%657
Net loans and leases to deposits94.7895%836
Net loans and leases to core deposits123.2410%479
Total domestic deposits to total assets84.3100%2,683
Equity capital to assets7.9472%3,088
Core capital (leverage) ratio9.7337%3,065
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7294%2,682
Memoranda:
Average total assets$7,433,702,500205
Average earning assets$6,946,752,000196
Average equity$637,763,000227
Average total loans$5,976,350,500182
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7328%607
Cost of funding earning assets1.6648%942
Net interest margin4.0681%1,132
Noninterest income to average assets0.7600%956
Noninterest expense to average assets2.0476%3,468
Loan and lease loss provision to assets0.1400%795
Net operating income to assets1.8175%636
Return on assets (ROA)1.8291%622
Pretax return on assets2.3804%410
Return on Equity (ROE)20.7400%636
Retained earnings to average equity (ytd only)16.1830%451
Net charge-offs to loans0.0338%1,219
Credit loss provision to net charge-offs611.5108%566
Earnings coverage of net charge-offs (x)92.6629%980
Efficiency ratio44.9213%4,210
Assets per employee ($millions)7.9820%1,329
Cash dividends to net income (ytd only)*21.9702%2,375
Condition Ratios (%)
Loss allowance to loans1.1106%2,907
Loan loss allowance to noncurrent loans495.3392%1,565
Noncurrent assets plus other real estate owned to assets0.1830%2,282
Noncurrent loans to loans0.2242%2,366
Net loans and leases to total assets80.7000%557
Net loans and leases to deposits98.6703%576
Net loans and leases to core deposits119.5781%525
Total domestic deposits to total assets81.7900%3,275
Equity capital to assets8.4002%2,946
Core capital (leverage) ratio10.1101%2,646
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8838%2,661
Memoranda:
Average total assets$7,182,520,333204
Average earning assets$6,703,806,000198
Average equity$633,466,000223
Average total loans$5,762,475,667179
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5571%568
Cost of funding earning assets1.4036%1,013
Net interest margin4.1535%1,015
Noninterest income to average assets0.7500%973
Noninterest expense to average assets2.1413%3,276
Loan and lease loss provision to assets0.1500%723
Net operating income to assets1.7980%674
Return on assets (ROA)1.8175%637
Pretax return on assets2.3609%436
Return on Equity (ROE)20.0700%756
Retained earnings to average equity (ytd only)15.4404%744
Net charge-offs to loans0.0004%2,056
Credit loss provision to net charge-offs50,000.0000%5
Earnings coverage of net charge-offs (x)8,544.4000%5
Efficiency ratio46.3211%4,199
Assets per employee ($millions)7.5083%1,619
Cash dividends to net income (ytd only)*23.0617%1,900
Condition Ratios (%)
Loss allowance to loans1.2029%2,536
Loan loss allowance to noncurrent loans961.9358%1,018
Noncurrent assets plus other real estate owned to assets0.1002%2,830
Noncurrent loans to loans0.1250%2,890
Net loans and leases to total assets79.2000%618
Net loans and leases to deposits97.4722%566
Net loans and leases to core deposits109.4235%721
Total domestic deposits to total assets81.2500%3,598
Equity capital to assets9.0906%2,446
Core capital (leverage) ratio10.5375%2,207
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5726%2,547
Memoranda:
Average total assets$6,886,525,000215
Average earning assets$6,413,917,000209
Average equity$623,661,500231
Average total loans$5,471,560,000189
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1867%1,275
Cost of funding earning assets0.4289%1,867
Net interest margin3.7578%1,246
Noninterest income to average assets0.9400%721
Noninterest expense to average assets2.1399%3,195
Loan and lease loss provision to assets0.1200%1,028
Net operating income to assets1.7078%532
Return on assets (ROA)1.7007%510
Pretax return on assets2.1923%324
Return on Equity (ROE)18.4600%637
Retained earnings to average equity (ytd only)15.3355%265
Net charge-offs to loans0.0311%1,445
Credit loss provision to net charge-offs482.3718%695
Earnings coverage of net charge-offs (x)94.4699%1,000
Efficiency ratio47.9850%4,240
Assets per employee ($millions)7.2836%1,766
Cash dividends to net income (ytd only)*16.9398%3,004
Condition Ratios (%)
Loss allowance to loans1.3055%1,867
Loan loss allowance to noncurrent loans933.5135%1,048
Noncurrent assets plus other real estate owned to assets0.1101%2,755
Noncurrent loans to loans0.1398%2,813
Net loans and leases to total assets77.6800%832
Net loans and leases to deposits95.6905%666
Net loans and leases to core deposits99.2188%1,043
Total domestic deposits to total assets81.1800%3,733
Equity capital to assets9.0202%2,342
Core capital (leverage) ratio10.5882%2,105
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0582%2,347
Memoranda:
Average total assets$6,353,337,000226
Average earning assets$5,952,595,400221
Average equity$585,238,000242
Average total loans$5,015,368,400195
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8219%1,677
Cost of funding earning assets0.2675%2,512
Net interest margin3.5544%1,510
Noninterest income to average assets0.9900%677
Noninterest expense to average assets2.1157%3,171
Loan and lease loss provision to assets0.1100%969
Net operating income to assets1.6221%625
Return on assets (ROA)1.6153%616
Pretax return on assets2.0988%382
Return on Equity (ROE)17.4400%719
Retained earnings to average equity (ytd only)14.0883%452
Net charge-offs to loans0.0276%1,272
Credit loss provision to net charge-offs485.8398%625
Earnings coverage of net charge-offs (x)101.4990%944
Efficiency ratio48.8718%4,224
Assets per employee ($millions)6.8910%2,029
Cash dividends to net income (ytd only)*19.2122%2,494
Condition Ratios (%)
Loss allowance to loans1.3659%1,734
Loan loss allowance to noncurrent loans914.4532%1,054
Noncurrent assets plus other real estate owned to assets0.1172%2,796
Noncurrent loans to loans0.1494%2,864
Net loans and leases to total assets77.4000%760
Net loans and leases to deposits89.6284%914
Net loans and leases to core deposits91.2372%1,215
Total domestic deposits to total assets86.3600%2,966
Equity capital to assets9.0353%2,188
Core capital (leverage) ratio10.6256%2,008
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4539%2,286
Memoranda:
Average total assets$6,260,981,000227
Average earning assets$5,881,705,250223
Average equity$579,945,500246
Average total loans$4,946,301,000196
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4709%2,224
Cost of funding earning assets0.1879%3,075
Net interest margin3.2829%1,957
Noninterest income to average assets1.0722%581
Noninterest expense to average assets2.0652%3,249
Loan and lease loss provision to assets0.0774%1,252
Net operating income to assets1.5643%600
Return on assets (ROA)1.5657%578
Pretax return on assets2.0359%351
Return on Equity (ROE)16.7653%593
Retained earnings to average equity (ytd only)11.7815%643
Net charge-offs to loans0.0108%1,580
Credit loss provision to net charge-offs904.8507%434
Earnings coverage of net charge-offs (x)246.7090%478
Efficiency ratio49.4441%4,285
Assets per employee ($millions)6.9876%1,951
Cash dividends to net income (ytd only)*29.7269%2,115
Condition Ratios (%)
Loss allowance to loans1.2911%2,230
Loan loss allowance to noncurrent loans1,673.2120%634
Noncurrent assets plus other real estate owned to assets0.0645%3,334
Noncurrent loans to loans0.0772%3,399
Net loans and leases to total assets78.3085%534
Net loans and leases to deposits92.5524%578
Net loans and leases to core deposits94.5000%894
Total domestic deposits to total assets84.6099%3,568
Equity capital to assets9.0059%2,383
Core capital (leverage) ratio10.1185%2,264
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6549%2,631
Memoranda:
Average total assets$6,262,290,333224
Average earning assets$5,922,100,000223
Average equity$584,813,333242
Average total loans$4,958,355,667191
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2785%2,452
Cost of funding earning assets0.1459%3,552
Net interest margin3.1326%2,074
Noninterest income to average assets0.9744%715
Noninterest expense to average assets2.0568%3,281
Loan and lease loss provision to assets0.1289%637
Net operating income to assets1.3625%876
Return on assets (ROA)1.3653%858
Pretax return on assets1.7758%578
Return on Equity (ROE)14.3570%769
Retained earnings to average equity (ytd only)4.4814%2,787
Net charge-offs to loans0.0055%1,558
Credit loss provision to net charge-offs2,985.0746%150
Earnings coverage of net charge-offs (x)440.3134%235
Efficiency ratio51.9669%4,203
Assets per employee ($millions)6.9892%2,006
Cash dividends to net income (ytd only)*68.7860%880
Condition Ratios (%)
Loss allowance to loans1.3003%2,362
Loan loss allowance to noncurrent loans2,187.2226%516
Noncurrent assets plus other real estate owned to assets0.0518%3,522
Noncurrent loans to loans0.0594%3,561
Net loans and leases to total assets79.3775%270
Net loans and leases to deposits93.2689%391
Net loans and leases to core deposits95.3807%681
Total domestic deposits to total assets85.1061%3,520
Equity capital to assets9.1923%2,531
Core capital (leverage) ratio9.9528%2,337
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4235%2,797
Memoranda:
Average total assets$6,207,097,000231
Average earning assets$5,911,745,000225
Average equity$590,262,000245
Average total loans$4,909,725,000195
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3356%3,097
Cost of funding earning assets0.1619%3,851
Net interest margin3.1737%2,674
Noninterest income to average assets0.9964%1,012
Noninterest expense to average assets2.1721%3,169
Loan and lease loss provision to assets-0.0153%4,198
Net operating income to assets1.4287%1,185
Return on assets (ROA)1.4347%1,246
Pretax return on assets1.8840%749
Return on Equity (ROE)14.6485%1,035
Retained earnings to average equity (ytd only)11.6627%586
Net charge-offs to loans0.0775%1,020
Credit loss provision to net charge-offs-24.4898%3,199
Earnings coverage of net charge-offs (x)29.8678%1,611
Efficiency ratio53.8566%3,945
Assets per employee ($millions)7.0868%1,872
Cash dividends to net income (ytd only)*20.3826%3,010
Condition Ratios (%)
Loss allowance to loans1.3103%2,313
Loan loss allowance to noncurrent loans1,853.0534%559
Noncurrent assets plus other real estate owned to assets0.0550%3,594
Noncurrent loans to loans0.0707%3,584
Net loans and leases to total assets76.7493%460
Net loans and leases to deposits90.4868%547
Net loans and leases to core deposits92.8405%835
Total domestic deposits to total assets84.8182%3,322
Equity capital to assets9.8280%2,824
Core capital (leverage) ratio9.8109%2,562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0239%2,624
Memoranda:
Average total assets$5,898,056,800235
Average earning assets$5,643,370,200226
Average equity$577,677,000247
Average total loans$4,740,551,400197
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3364%3,292
Cost of funding earning assets0.1656%3,968
Net interest margin3.1709%2,829
Noninterest income to average assets0.9968%1,075
Noninterest expense to average assets2.1470%3,228
Loan and lease loss provision to assets0.0137%2,720
Net operating income to assets1.4204%1,476
Return on assets (ROA)1.4285%1,519
Pretax return on assets1.8767%986
Return on Equity (ROE)14.5986%1,228
Retained earnings to average equity (ytd only)11.5722%921
Net charge-offs to loans0.0690%956
Credit loss provision to net charge-offs24.5700%1,974
Earnings coverage of net charge-offs (x)33.6314%1,461
Efficiency ratio53.3133%3,894
Assets per employee ($millions)6.8572%1,970
Cash dividends to net income (ytd only)*20.7304%2,522
Condition Ratios (%)
Loss allowance to loans1.3303%2,332
Loan loss allowance to noncurrent loans1,478.4014%587
Noncurrent assets plus other real estate owned to assets0.0747%3,610
Noncurrent loans to loans0.0900%3,630
Net loans and leases to total assets81.8667%198
Net loans and leases to deposits96.6662%327
Net loans and leases to core deposits99.2113%619
Total domestic deposits to total assets84.6901%3,223
Equity capital to assets9.9064%2,997
Core capital (leverage) ratio9.9222%2,599
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7455%2,791
Memoranda:
Average total assets$5,824,111,250239
Average earning assets$5,566,107,250228
Average equity$569,913,000249
Average total loans$4,721,479,000198
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2910%3,453
Cost of funding earning assets0.1699%4,042
Net interest margin3.1210%2,982
Noninterest income to average assets0.9718%1,117
Noninterest expense to average assets2.1370%3,275
Loan and lease loss provision to assets0.0346%2,295
Net operating income to assets1.3544%1,694
Return on assets (ROA)1.3668%1,736
Pretax return on assets1.7948%1,252
Return on Equity (ROE)14.0270%1,407
Retained earnings to average equity (ytd only)10.9628%1,134
Net charge-offs to loans-0.0259%4,098
Credit loss provision to net charge-offs-166.1130%3,160
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0915%3,792
Assets per employee ($millions)6.7115%2,015
Cash dividends to net income (ytd only)*21.8451%2,429
Condition Ratios (%)
Loss allowance to loans1.5125%1,548
Loan loss allowance to noncurrent loans816.1602%866
Noncurrent assets plus other real estate owned to assets0.1442%3,284
Noncurrent loans to loans0.1853%3,302
Net loans and leases to total assets76.6552%532
Net loans and leases to deposits90.6690%612
Net loans and leases to core deposits93.3446%936
Total domestic deposits to total assets84.5440%3,270
Equity capital to assets9.8051%3,051
Core capital (leverage) ratio9.7160%2,680
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4895%2,551
Memoranda:
Average total assets$5,776,883,333242
Average earning assets$5,513,903,333229
Average equity$562,885,667248
Average total loans$4,645,356,667200
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3868%3,237
Cost of funding earning assets0.1754%4,117
Net interest margin3.2115%2,659
Noninterest income to average assets1.0369%1,074
Noninterest expense to average assets2.1328%3,318
Loan and lease loss provision to assets0.0524%2,058
Net operating income to assets1.4537%1,433
Return on assets (ROA)1.4564%1,496
Pretax return on assets1.9154%1,091
Return on Equity (ROE)14.9955%1,212
Retained earnings to average equity (ytd only)11.8921%1,174
Net charge-offs to loans-0.0466%4,367
Credit loss provision to net charge-offs-137.6147%2,882
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0540%3,987
Assets per employee ($millions)6.6213%2,076
Cash dividends to net income (ytd only)*20.6959%1,988
Condition Ratios (%)
Loss allowance to loans1.5000%1,607
Loan loss allowance to noncurrent loans767.5234%836
Noncurrent assets plus other real estate owned to assets0.2568%2,862
Noncurrent loans to loans0.1954%3,410
Net loans and leases to total assets78.6393%424
Net loans and leases to deposits92.9442%548
Net loans and leases to core deposits96.5049%862
Total domestic deposits to total assets84.6091%3,250
Equity capital to assets9.7366%2,959
Core capital (leverage) ratio9.6545%2,864
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5498%2,470
Memoranda:
Average total assets$5,722,341,500243
Average earning assets$5,453,209,500232
Average equity$555,765,000247
Average total loans$4,677,439,000201
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6636%3,668
Cost of funding earning assets0.3379%3,933
Net interest margin3.3257%3,000
Noninterest income to average assets1.3554%636
Noninterest expense to average assets2.1711%3,754
Loan and lease loss provision to assets0.5246%443
Net operating income to assets1.3664%1,093
Return on assets (ROA)1.3735%1,170
Pretax return on assets1.8103%671
Return on Equity (ROE)13.8589%850
Retained earnings to average equity (ytd only)10.9108%441
Net charge-offs to loans0.0730%1,754
Credit loss provision to net charge-offs850.6955%862
Earnings coverage of net charge-offs (x)37.7144%1,433
Efficiency ratio48.2782%4,623
Assets per employee ($millions)6.4519%1,951
Cash dividends to net income (ytd only)*21.2725%3,189
Condition Ratios (%)
Loss allowance to loans1.4233%1,876
Loan loss allowance to noncurrent loans1,951.8454%391
Noncurrent assets plus other real estate owned to assets0.2803%2,891
Noncurrent loans to loans0.0729%4,003
Net loans and leases to total assets82.4778%260
Net loans and leases to deposits100.5959%346
Net loans and leases to core deposits104.2301%715
Total domestic deposits to total assets81.9893%3,664
Equity capital to assets9.6875%3,422
Core capital (leverage) ratio9.5897%3,020
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6611%2,749
Memoranda:
Average total assets$5,245,514,800243
Average earning assets$4,955,047,000235
Average equity$519,854,200251
Average total loans$4,432,125,400206
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7294%3,732
Cost of funding earning assets0.3890%3,871
Net interest margin3.3403%3,075
Noninterest income to average assets1.4308%557
Noninterest expense to average assets2.2084%3,660
Loan and lease loss provision to assets0.4756%646
Net operating income to assets1.4368%1,018
Return on assets (ROA)1.4457%1,095
Pretax return on assets1.9112%616
Return on Equity (ROE)14.4978%795
Retained earnings to average equity (ytd only)11.5939%487
Net charge-offs to loans0.0965%1,342
Credit loss provision to net charge-offs581.9568%1,176
Earnings coverage of net charge-offs (x)29.0673%1,619
Efficiency ratio48.1769%4,599
Assets per employee ($millions)6.3540%1,953
Cash dividends to net income (ytd only)*20.0305%2,773
Condition Ratios (%)
Loss allowance to loans1.2380%2,458
Loan loss allowance to noncurrent loans611.9724%893
Noncurrent assets plus other real estate owned to assets0.2958%2,972
Noncurrent loans to loans0.2023%3,575
Net loans and leases to total assets83.8582%292
Net loans and leases to deposits105.5673%337
Net loans and leases to core deposits112.2667%621
Total domestic deposits to total assets79.4358%3,978
Equity capital to assets9.6408%3,562
Core capital (leverage) ratio9.6534%3,095
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6520%2,741
Memoranda:
Average total assets$5,135,856,250243
Average earning assets$4,847,863,750235
Average equity$512,155,250250
Average total loans$4,351,193,750207
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8606%3,716
Cost of funding earning assets0.4719%3,691
Net interest margin3.3887%3,139
Noninterest income to average assets1.4279%513
Noninterest expense to average assets2.2165%3,731
Loan and lease loss provision to assets0.4777%777
Net operating income to assets1.4601%1,000
Return on assets (ROA)1.4715%1,063
Pretax return on assets1.9458%613
Return on Equity (ROE)14.5753%778
Retained earnings to average equity (ytd only)11.8028%481
Net charge-offs to loans0.0072%2,703
Credit loss provision to net charge-offs7,842.1053%146
Earnings coverage of net charge-offs (x)395.4605%261
Efficiency ratio47.9184%4,637
Assets per employee ($millions)6.0381%2,155
Cash dividends to net income (ytd only)*19.0222%2,786
Condition Ratios (%)
Loss allowance to loans1.2104%2,463
Loan loss allowance to noncurrent loans452.6748%1,089
Noncurrent assets plus other real estate owned to assets0.3637%2,843
Noncurrent loans to loans0.2674%3,422
Net loans and leases to total assets83.7924%269
Net loans and leases to deposits104.7925%352
Net loans and leases to core deposits109.9153%744
Total domestic deposits to total assets79.9603%3,846
Equity capital to assets9.7179%3,450
Core capital (leverage) ratio9.8816%2,945
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8439%2,672
Memoranda:
Average total assets$4,990,308,333246
Average earning assets$4,708,936,000236
Average equity$503,796,333252
Average total loans$4,224,399,000207
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1713%3,317
Cost of funding earning assets0.6337%3,250
Net interest margin3.5376%2,857
Noninterest income to average assets1.3838%460
Noninterest expense to average assets2.5868%3,014
Loan and lease loss provision to assets0.2868%1,083
Net operating income to assets1.3925%1,006
Return on assets (ROA)1.4130%1,030
Pretax return on assets1.8787%591
Return on Equity (ROE)13.7094%758
Retained earnings to average equity (ytd only)11.2896%525
Net charge-offs to loans0.0777%1,249
Credit loss provision to net charge-offs436.5482%952
Earnings coverage of net charge-offs (x)32.5711%1,128
Efficiency ratio54.7321%4,332
Assets per employee ($millions)5.5519%2,062
Cash dividends to net income (ytd only)*17.6509%2,381
Condition Ratios (%)
Loss allowance to loans1.1177%3,100
Loan loss allowance to noncurrent loans377.9811%1,245
Noncurrent assets plus other real estate owned to assets0.3976%2,857
Noncurrent loans to loans0.2957%3,441
Net loans and leases to total assets83.1142%344
Net loans and leases to deposits108.2827%222
Net loans and leases to core deposits114.5669%644
Total domestic deposits to total assets76.7566%4,385
Equity capital to assets10.2854%3,529
Core capital (leverage) ratio10.5116%2,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7483%2,830
Memoranda:
Average total assets$4,798,512,500248
Average earning assets$4,533,939,500236
Average equity$494,579,500259
Average total loans$4,057,553,000211
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5952%2,634
Cost of funding earning assets0.9159%2,131
Net interest margin3.6793%2,875
Noninterest income to average assets1.0138%944
Noninterest expense to average assets2.5186%3,393
Loan and lease loss provision to assets0.1251%1,697
Net operating income to assets1.4304%1,240
Return on assets (ROA)1.4233%1,338
Pretax return on assets1.8569%824
Return on Equity (ROE)14.5217%793
Retained earnings to average equity (ytd only)11.8885%249
Net charge-offs to loans0.0604%2,239
Credit loss provision to net charge-offs242.8811%1,116
Earnings coverage of net charge-offs (x)38.6612%1,346
Efficiency ratio55.8508%4,223
Assets per employee ($millions)5.4973%2,062
Cash dividends to net income (ytd only)*18.1331%3,526
Condition Ratios (%)
Loss allowance to loans1.0866%3,023
Loan loss allowance to noncurrent loans256.5307%1,738
Noncurrent assets plus other real estate owned to assets0.5143%2,360
Noncurrent loans to loans0.4236%2,930
Net loans and leases to total assets84.1612%309
Net loans and leases to deposits106.8815%266
Net loans and leases to core deposits112.7822%726
Total domestic deposits to total assets78.7426%4,233
Equity capital to assets10.3294%3,603
Core capital (leverage) ratio10.0608%3,447
Tier 1 risk-based capital ratio11.8337%4,456
Total risk-based capital ratio12.9079%4,438
Memoranda:
Average total assets$4,637,130,800244
Average earning assets$4,405,849,400234
Average equity$454,499,800267
Average total loans$3,954,413,600210
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6497%2,569
Cost of funding earning assets0.9450%2,011
Net interest margin3.7047%2,905
Noninterest income to average assets1.0067%925
Noninterest expense to average assets2.5060%3,421
Loan and lease loss provision to assets0.1384%1,396
Net operating income to assets1.4366%1,365
Return on assets (ROA)1.4366%1,419
Pretax return on assets1.8809%908
Return on Equity (ROE)14.8602%806
Retained earnings to average equity (ytd only)12.1822%363
Net charge-offs to loans0.0672%1,865
Credit loss provision to net charge-offs241.3273%1,126
Earnings coverage of net charge-offs (x)35.1996%1,476
Efficiency ratio55.3777%4,234
Assets per employee ($millions)5.6670%1,873
Cash dividends to net income (ytd only)*18.0212%3,115
Condition Ratios (%)
Loss allowance to loans1.0469%3,306
Loan loss allowance to noncurrent loans1,085.5694%548
Noncurrent assets plus other real estate owned to assets0.3002%3,345
Noncurrent loans to loans0.0964%4,213
Net loans and leases to total assets84.0879%345
Net loans and leases to deposits104.6052%380
Net loans and leases to core deposits120.5373%523
Total domestic deposits to total assets80.3860%3,895
Equity capital to assets9.8117%4,199
Core capital (leverage) ratio9.7403%3,921
Tier 1 risk-based capital ratio11.2573%4,786
Total risk-based capital ratio12.2936%4,780
Memoranda:
Average total assets$4,622,741,000248
Average earning assets$4,390,456,250236
Average equity$446,891,500272
Average total loans$3,944,388,500210
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6376%2,551
Cost of funding earning assets0.9324%1,996
Net interest margin3.7052%2,917
Noninterest income to average assets0.9330%996
Noninterest expense to average assets2.5125%3,434
Loan and lease loss provision to assets0.1579%1,147
Net operating income to assets1.3695%1,520
Return on assets (ROA)1.3695%1,578
Pretax return on assets1.7885%1,064
Return on Equity (ROE)14.2408%925
Retained earnings to average equity (ytd only)11.5115%481
Net charge-offs to loans0.0902%1,461
Credit loss provision to net charge-offs204.7782%1,185
Earnings coverage of net charge-offs (x)25.2429%1,600
Efficiency ratio56.3476%4,208
Assets per employee ($millions)5.5755%1,899
Cash dividends to net income (ytd only)*19.1654%3,045
Condition Ratios (%)
Loss allowance to loans1.0419%3,383
Loan loss allowance to noncurrent loans818.0485%688
Noncurrent assets plus other real estate owned to assets0.6209%2,168
Noncurrent loans to loans0.1274%4,105
Net loans and leases to total assets83.7456%379
Net loans and leases to deposits105.6365%356
Net loans and leases to core deposits121.8057%494
Total domestic deposits to total assets79.2771%4,165
Equity capital to assets9.5887%4,322
Core capital (leverage) ratio9.7745%3,850
Tier 1 risk-based capital ratio10.9682%4,923
Total risk-based capital ratio11.9893%4,938
Memoranda:
Average total assets$4,559,905,000249
Average earning assets$4,339,156,670236
Average equity$438,499,670275
Average total loans$3,896,357,330215
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6171%2,476
Cost of funding earning assets0.8916%2,047
Net interest margin3.7255%2,799
Noninterest income to average assets0.9824%847
Noninterest expense to average assets2.5892%3,245
Loan and lease loss provision to assets0.1612%1,047
Net operating income to assets1.3668%1,465
Return on assets (ROA)1.3668%1,508
Pretax return on assets1.7846%1,010
Return on Equity (ROE)14.1920%925
Retained earnings to average equity (ytd only)11.4105%721
Net charge-offs to loans0.1839%756
Credit loss provision to net charge-offs102.0408%1,551
Earnings coverage of net charge-offs (x)12.3197%1,874
Efficiency ratio57.0938%4,204
Assets per employee ($millions)5.4709%2,008
Cash dividends to net income (ytd only)*19.5991%2,474
Condition Ratios (%)
Loss allowance to loans1.0334%3,506
Loan loss allowance to noncurrent loans272.4173%1,704
Noncurrent assets plus other real estate owned to assets0.7312%1,916
Noncurrent loans to loans0.3793%3,230
Net loans and leases to total assets85.0368%273
Net loans and leases to deposits104.1369%389
Net loans and leases to core deposits124.2466%419
Total domestic deposits to total assets81.6586%3,814
Equity capital to assets9.7251%4,065
Core capital (leverage) ratio9.9591%3,648
Tier 1 risk-based capital ratio11.0850%4,935
Total risk-based capital ratio12.1018%4,944
Memoranda:
Average total assets$4,467,501,000252
Average earning assets$4,260,201,000240
Average equity$430,272,000277
Average total loans$3,836,874,500219
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4351%2,649
Cost of funding earning assets0.6439%2,434
Net interest margin3.7912%2,693
Noninterest income to average assets1.1023%761
Noninterest expense to average assets2.7073%3,001
Loan and lease loss provision to assets0.2008%944
Net operating income to assets1.3917%1,458
Return on assets (ROA)1.3822%1,483
Pretax return on assets1.7962%934
Return on Equity (ROE)14.3843%962
Retained earnings to average equity (ytd only)11.3718%387
Net charge-offs to loans0.1193%1,546
Credit loss provision to net charge-offs196.8691%1,467
Earnings coverage of net charge-offs (x)19.6992%2,045
Efficiency ratio57.4051%4,231
Assets per employee ($millions)5.3987%2,061
Cash dividends to net income (ytd only)*20.9428%3,442
Condition Ratios (%)
Loss allowance to loans1.0524%3,365
Loan loss allowance to noncurrent loans232.3148%2,000
Noncurrent assets plus other real estate owned to assets0.8038%1,735
Noncurrent loans to loans0.4530%2,913
Net loans and leases to total assets84.9394%319
Net loans and leases to deposits106.0335%369
Net loans and leases to core deposits124.1302%439
Total domestic deposits to total assets80.1062%4,081
Equity capital to assets9.5355%4,096
Core capital (leverage) ratio9.7603%3,847
Tier 1 risk-based capital ratio11.0529%4,955
Total risk-based capital ratio12.0951%4,934
Memoranda:
Average total assets$4,134,329,400257
Average earning assets$3,940,960,800246
Average equity$397,280,200279
Average total loans$3,534,259,800225
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3468%2,801
Cost of funding earning assets0.5813%2,624
Net interest margin3.7655%2,769
Noninterest income to average assets1.1193%749
Noninterest expense to average assets2.7329%2,866
Loan and lease loss provision to assets0.1806%1,005
Net operating income to assets1.3666%1,601
Return on assets (ROA)1.3667%1,603
Pretax return on assets1.7946%1,024
Return on Equity (ROE)14.1930%1,065
Retained earnings to average equity (ytd only)11.1327%619
Net charge-offs to loans0.1241%1,271
Credit loss provision to net charge-offs170.4369%1,564
Earnings coverage of net charge-offs (x)18.6427%2,040
Efficiency ratio58.0486%4,115
Assets per employee ($millions)5.2178%2,206
Cash dividends to net income (ytd only)*21.5619%2,947
Condition Ratios (%)
Loss allowance to loans1.0509%3,457
Loan loss allowance to noncurrent loans236.1578%1,975
Noncurrent assets plus other real estate owned to assets0.4631%2,837
Noncurrent loans to loans0.4450%3,059
Net loans and leases to total assets84.8548%371
Net loans and leases to deposits102.3068%628
Net loans and leases to core deposits120.6174%559
Total domestic deposits to total assets82.9414%3,327
Equity capital to assets9.5721%4,015
Core capital (leverage) ratio9.8741%3,770
Tier 1 risk-based capital ratio11.3411%4,877
Total risk-based capital ratio12.3931%4,872
Memoranda:
Average total assets$4,061,168,750261
Average earning assets$3,870,530,750248
Average equity$391,067,000280
Average total loans$3,467,765,500227
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2551%2,924
Cost of funding earning assets0.5186%2,856
Net interest margin3.7365%2,805
Noninterest income to average assets1.0887%814
Noninterest expense to average assets2.6889%3,048
Loan and lease loss provision to assets0.1999%860
Net operating income to assets1.3421%1,630
Return on assets (ROA)1.3421%1,638
Pretax return on assets1.7619%1,067
Return on Equity (ROE)13.9086%1,097
Retained earnings to average equity (ytd only)10.8100%706
Net charge-offs to loans0.1906%819
Credit loss provision to net charge-offs122.9634%1,772
Earnings coverage of net charge-offs (x)12.0689%2,228
Efficiency ratio57.8176%4,262
Assets per employee ($millions)5.0794%2,316
Cash dividends to net income (ytd only)*22.2785%2,922
Condition Ratios (%)
Loss allowance to loans1.0412%3,585
Loan loss allowance to noncurrent loans217.0407%2,133
Noncurrent assets plus other real estate owned to assets0.5001%2,757
Noncurrent loans to loans0.4797%2,997
Net loans and leases to total assets84.8866%367
Net loans and leases to deposits104.9236%487
Net loans and leases to core deposits117.6006%648
Total domestic deposits to total assets80.9032%4,021
Equity capital to assets9.6304%3,980
Core capital (leverage) ratio9.9875%3,595
Tier 1 risk-based capital ratio11.2823%4,906
Total risk-based capital ratio12.3166%4,910
Memoranda:
Average total assets$4,002,603,330263
Average earning assets$3,815,531,330250
Average equity$386,236,330283
Average total loans$3,412,566,000226
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1616%3,022
Cost of funding earning assets0.4821%2,939
Net interest margin3.6795%2,884
Noninterest income to average assets1.0219%878
Noninterest expense to average assets2.6406%3,217
Loan and lease loss provision to assets0.1771%979
Net operating income to assets1.3077%1,618
Return on assets (ROA)1.3077%1,623
Pretax return on assets1.7157%1,074
Return on Equity (ROE)13.5383%1,127
Retained earnings to average equity (ytd only)10.4031%1,042
Net charge-offs to loans0.2704%576
Credit loss provision to net charge-offs77.0925%1,771
Earnings coverage of net charge-offs (x)8.2379%2,046
Efficiency ratio58.2477%4,310
Assets per employee ($millions)5.0466%2,431
Cash dividends to net income (ytd only)*23.1579%2,323
Condition Ratios (%)
Loss allowance to loans1.0553%3,630
Loan loss allowance to noncurrent loans162.3647%2,615
Noncurrent assets plus other real estate owned to assets0.6349%2,414
Noncurrent loans to loans0.6499%2,601
Net loans and leases to total assets83.8648%451
Net loans and leases to deposits101.2969%625
Net loans and leases to core deposits113.8230%813
Total domestic deposits to total assets82.7911%3,724
Equity capital to assets9.7270%3,861
Core capital (leverage) ratio9.9618%3,577
Tier 1 risk-based capital ratio11.4764%4,872
Total risk-based capital ratio12.5208%4,887
Memoranda:
Average total assets$3,951,828,500265
Average earning assets$3,771,351,000253
Average equity$381,731,000289
Average total loans$3,358,583,500226
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9946%3,420
Cost of funding earning assets0.3541%3,670
Net interest margin3.6405%3,024
Noninterest income to average assets1.1374%786
Noninterest expense to average assets2.7810%2,844
Loan and lease loss provision to assets0.1330%1,725
Net operating income to assets1.0328%2,114
Return on assets (ROA)1.0328%2,146
Pretax return on assets1.6883%1,036
Return on Equity (ROE)10.4716%1,687
Retained earnings to average equity (ytd only)7.2900%985
Net charge-offs to loans0.0385%3,027
Credit loss provision to net charge-offs407.0248%750
Earnings coverage of net charge-offs (x)55.7182%1,009
Efficiency ratio60.4265%4,194
Assets per employee ($millions)5.0865%2,375
Cash dividends to net income (ytd only)*30.3829%3,291
Condition Ratios (%)
Loss allowance to loans1.0676%3,511
Loan loss allowance to noncurrent loans145.0634%2,861
Noncurrent assets plus other real estate owned to assets0.7097%2,198
Noncurrent loans to loans0.7359%2,367
Net loans and leases to total assets84.3077%418
Net loans and leases to deposits104.6575%462
Net loans and leases to core deposits118.0865%649
Total domestic deposits to total assets80.5558%4,231
Equity capital to assets9.5920%4,152
Core capital (leverage) ratio9.7833%3,713
Tier 1 risk-based capital ratio11.8180%4,648
Total risk-based capital ratio12.9379%4,614
Memoranda:
Average total assets$3,701,677,000265
Average earning assets$3,523,209,400257
Average equity$365,100,800284
Average total loans$3,139,628,000233
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9409%3,548
Cost of funding earning assets0.3271%3,873
Net interest margin3.6138%3,095
Noninterest income to average assets1.1262%798
Noninterest expense to average assets2.7420%2,921
Loan and lease loss provision to assets0.1438%1,466
Net operating income to assets1.0867%2,143
Return on assets (ROA)1.0867%2,205
Pretax return on assets1.6773%1,175
Return on Equity (ROE)10.9362%1,728
Retained earnings to average equity (ytd only)7.6926%1,349
Net charge-offs to loans0.0381%2,676
Credit loss provision to net charge-offs445.5165%709
Earnings coverage of net charge-offs (x)56.4357%1,031
Efficiency ratio60.0918%4,195
Assets per employee ($millions)4.8837%2,592
Cash dividends to net income (ytd only)*29.6596%2,763
Condition Ratios (%)
Loss allowance to loans1.0943%3,515
Loan loss allowance to noncurrent loans150.8411%2,773
Noncurrent assets plus other real estate owned to assets0.7210%2,349
Noncurrent loans to loans0.7254%2,544
Net loans and leases to total assets84.4790%388
Net loans and leases to deposits101.8514%625
Net loans and leases to core deposits115.3894%770
Total domestic deposits to total assets82.9434%3,473
Equity capital to assets9.9172%4,016
Core capital (leverage) ratio9.9940%3,571
Tier 1 risk-based capital ratio11.8330%4,745
Total risk-based capital ratio12.9502%4,714
Memoranda:
Average total assets$3,640,324,250268
Average earning assets$3,462,140,750262
Average equity$361,724,750286
Average total loans$3,083,633,000235
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8629%3,673
Cost of funding earning assets0.2912%4,176
Net interest margin3.5717%3,142
Noninterest income to average assets1.1324%778
Noninterest expense to average assets2.7278%2,985
Loan and lease loss provision to assets0.1348%1,543
Net operating income to assets1.0768%2,094
Return on assets (ROA)1.0768%2,142
Pretax return on assets1.6662%1,135
Return on Equity (ROE)10.8291%1,705
Retained earnings to average equity (ytd only)7.3057%1,449
Net charge-offs to loans0.0365%2,465
Credit loss provision to net charge-offs436.9369%737
Earnings coverage of net charge-offs (x)58.3622%972
Efficiency ratio60.2325%4,285
Assets per employee ($millions)4.8962%2,515
Cash dividends to net income (ytd only)*32.5364%2,683
Condition Ratios (%)
Loss allowance to loans1.0668%3,754
Loan loss allowance to noncurrent loans237.3632%1,918
Noncurrent assets plus other real estate owned to assets0.4977%3,100
Noncurrent loans to loans0.4494%3,400
Net loans and leases to total assets84.3381%408
Net loans and leases to deposits106.2737%388
Net loans and leases to core deposits115.4633%741
Total domestic deposits to total assets79.3593%4,542
Equity capital to assets9.7693%4,151
Core capital (leverage) ratio10.0858%3,422
Tier 1 risk-based capital ratio11.7562%4,797
Total risk-based capital ratio12.8521%4,776
Memoranda:
Average total assets$3,597,028,670273
Average earning assets$3,420,510,330265
Average equity$357,666,330292
Average total loans$3,038,085,670240
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8017%3,760
Cost of funding earning assets0.2698%4,357
Net interest margin3.5318%3,156
Noninterest income to average assets1.0659%882
Noninterest expense to average assets2.7147%3,089
Loan and lease loss provision to assets0.0483%2,849
Net operating income to assets1.0706%1,979
Return on assets (ROA)1.0706%2,025
Pretax return on assets1.6592%1,094
Return on Equity (ROE)10.6682%1,680
Retained earnings to average equity (ytd only)7.4425%1,673
Net charge-offs to loans0.0265%2,226
Credit loss provision to net charge-offs216.8367%962
Earnings coverage of net charge-offs (x)76.7194%674
Efficiency ratio61.3891%4,245
Assets per employee ($millions)4.7871%2,720
Cash dividends to net income (ytd only)*30.2365%2,310
Condition Ratios (%)
Loss allowance to loans1.0877%3,779
Loan loss allowance to noncurrent loans395.7886%1,272
Noncurrent assets plus other real estate owned to assets0.3655%3,739
Noncurrent loans to loans0.2748%4,123
Net loans and leases to total assets82.7846%483
Net loans and leases to deposits100.7926%564
Net loans and leases to core deposits109.8656%886
Total domestic deposits to total assets82.1336%4,135
Equity capital to assets10.0704%3,668
Core capital (leverage) ratio10.3007%3,107
Tier 1 risk-based capital ratio12.1975%4,584
Total risk-based capital ratio13.2993%4,575
Memoranda:
Average total assets$3,522,728,000279
Average earning assets$3,347,598,000271
Average equity$353,538,000294
Average total loans$2,960,599,500242
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7308%4,122
Cost of funding earning assets0.2290%4,748
Net interest margin3.5017%3,425
Noninterest income to average assets1.2370%742
Noninterest expense to average assets2.7544%3,174
Loan and lease loss provision to assets0.0992%2,397
Net operating income to assets1.0797%1,985
Return on assets (ROA)1.0805%2,086
Pretax return on assets1.6889%1,028
Return on Equity (ROE)10.8244%1,646
Retained earnings to average equity (ytd only)7.2198%1,147
Net charge-offs to loans0.0310%3,398
Credit loss provision to net charge-offs381.9444%825
Earnings coverage of net charge-offs (x)68.7940%805
Efficiency ratio60.6519%4,482
Assets per employee ($millions)4.7659%2,695
Cash dividends to net income (ytd only)*33.3009%3,185
Condition Ratios (%)
Loss allowance to loans1.0949%3,738
Loan loss allowance to noncurrent loans323.6879%1,533
Noncurrent assets plus other real estate owned to assets0.4112%3,628
Noncurrent loans to loans0.3383%3,927
Net loans and leases to total assets83.4743%435
Net loans and leases to deposits101.3981%574
Net loans and leases to core deposits109.2670%945
Total domestic deposits to total assets82.3233%3,983
Equity capital to assets10.0006%3,724
Core capital (leverage) ratio10.0081%3,470
Tier 1 risk-based capital ratio11.9034%4,792
Total risk-based capital ratio13.0004%4,797
Memoranda:
Average total assets$3,326,258,600282
Average earning assets$3,138,737,000273
Average equity$332,017,400297
Average total loans$2,783,959,600242
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7181%4,192
Cost of funding earning assets0.2230%4,854
Net interest margin3.4952%3,487
Noninterest income to average assets1.2794%712
Noninterest expense to average assets2.7639%3,129
Loan and lease loss provision to assets0.1298%1,806
Net operating income to assets1.0712%2,112
Return on assets (ROA)1.0722%2,217
Pretax return on assets1.6818%1,169
Return on Equity (ROE)10.7475%1,765
Retained earnings to average equity (ytd only)7.0121%1,626
Net charge-offs to loans0.0331%2,978
Credit loss provision to net charge-offs469.8972%747
Earnings coverage of net charge-offs (x)65.5211%900
Efficiency ratio60.4278%4,477
Assets per employee ($millions)4.7461%2,678
Cash dividends to net income (ytd only)*34.7558%2,606
Condition Ratios (%)
Loss allowance to loans1.1216%3,725
Loan loss allowance to noncurrent loans207.2227%2,186
Noncurrent assets plus other real estate owned to assets0.5677%3,206
Noncurrent loans to loans0.5412%3,371
Net loans and leases to total assets82.3550%569
Net loans and leases to deposits104.7995%421
Net loans and leases to core deposits111.1051%859
Total domestic deposits to total assets78.5834%4,812
Equity capital to assets9.8701%4,280
Core capital (leverage) ratio10.0563%3,496
Tier 1 risk-based capital ratio12.1422%4,705
Total risk-based capital ratio13.3015%4,661
Memoranda:
Average total assets$3,286,861,250282
Average earning assets$3,098,191,250273
Average equity$327,920,000299
Average total loans$2,744,871,250243
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7187%4,232
Cost of funding earning assets0.2153%4,991
Net interest margin3.5034%3,480
Noninterest income to average assets1.2850%694
Noninterest expense to average assets2.7504%3,197
Loan and lease loss provision to assets0.1424%1,595
Net operating income to assets1.0824%2,026
Return on assets (ROA)1.0824%2,161
Pretax return on assets1.6959%1,101
Return on Equity (ROE)10.8082%1,719
Retained earnings to average equity (ytd only)6.8484%1,692
Net charge-offs to loans0.0335%2,781
Credit loss provision to net charge-offs507.7263%642
Earnings coverage of net charge-offs (x)65.5541%826
Efficiency ratio59.9385%4,648
Assets per employee ($millions)4.6682%2,768
Cash dividends to net income (ytd only)*36.6371%2,571
Condition Ratios (%)
Loss allowance to loans1.1188%3,846
Loan loss allowance to noncurrent loans204.9079%2,232
Noncurrent assets plus other real estate owned to assets0.4572%3,681
Noncurrent loans to loans0.5460%3,432
Net loans and leases to total assets82.6459%558
Net loans and leases to deposits101.8485%572
Net loans and leases to core deposits108.1634%1,032
Total domestic deposits to total assets81.1460%4,231
Equity capital to assets9.9342%4,305
Core capital (leverage) ratio10.1234%3,420
Tier 1 risk-based capital ratio11.5592%5,114
Total risk-based capital ratio12.6600%5,104
Memoranda:
Average total assets$3,230,755,670282
Average earning assets$3,046,677,670276
Average equity$323,550,670301
Average total loans$2,700,565,000245
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7267%4,224
Cost of funding earning assets0.2119%5,086
Net interest margin3.5147%3,409
Noninterest income to average assets1.1217%867
Noninterest expense to average assets2.6990%3,421
Loan and lease loss provision to assets0.1267%1,672
Net operating income to assets1.0286%2,164
Return on assets (ROA)1.0286%2,283
Pretax return on assets1.6104%1,266
Return on Equity (ROE)10.2265%1,889
Retained earnings to average equity (ytd only)6.1906%2,283
Net charge-offs to loans0.0227%2,479
Credit loss provision to net charge-offs666.6667%493
Earnings coverage of net charge-offs (x)91.3800%575
Efficiency ratio60.8416%4,625
Assets per employee ($millions)4.5421%2,998
Cash dividends to net income (ytd only)*39.4653%2,092
Condition Ratios (%)
Loss allowance to loans1.1537%3,744
Loan loss allowance to noncurrent loans177.3863%2,447
Noncurrent assets plus other real estate owned to assets0.5501%3,415
Noncurrent loans to loans0.6504%3,221
Net loans and leases to total assets82.3623%518
Net loans and leases to deposits100.8481%573
Net loans and leases to core deposits106.9202%1,023
Total domestic deposits to total assets81.6696%4,314
Equity capital to assets10.0777%3,977
Core capital (leverage) ratio10.3150%3,174
Tier 1 risk-based capital ratio11.9195%4,962
Total risk-based capital ratio13.0660%4,938
Memoranda:
Average total assets$3,156,236,500286
Average earning assets$2,976,371,500277
Average equity$317,449,000304
Average total loans$2,638,414,000248
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8454%3,901
Cost of funding earning assets0.1954%5,321
Net interest margin3.6500%2,938
Noninterest income to average assets1.4538%578
Noninterest expense to average assets2.9680%2,651
Loan and lease loss provision to assets0.1283%1,878
Net operating income to assets1.1168%1,848
Return on assets (ROA)1.1167%1,913
Pretax return on assets1.7929%817
Return on Equity (ROE)10.6141%1,751
Retained earnings to average equity (ytd only)6.7506%1,406
Net charge-offs to loans0.0584%3,045
Credit loss provision to net charge-offs263.9087%1,095
Earnings coverage of net charge-offs (x)39.5214%1,193
Efficiency ratio60.7037%4,800
Assets per employee ($millions)4.4820%3,074
Cash dividends to net income (ytd only)*36.3992%3,027
Condition Ratios (%)
Loss allowance to loans1.1342%3,840
Loan loss allowance to noncurrent loans181.5287%2,438
Noncurrent assets plus other real estate owned to assets0.5409%3,482
Noncurrent loans to loans0.6248%3,314
Net loans and leases to total assets82.9173%494
Net loans and leases to deposits104.5710%413
Net loans and leases to core deposits109.6642%872
Total domestic deposits to total assets79.2929%4,906
Equity capital to assets10.0376%3,917
Core capital (leverage) ratio10.3921%3,061
Tier 1 risk-based capital ratio11.9177%5,011
Total risk-based capital ratio13.0497%4,988
Memoranda:
Average total assets$2,883,857,800288
Average earning assets$2,714,466,600282
Average equity$303,408,800301
Average total loans$2,398,836,600250
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8841%3,799
Cost of funding earning assets0.1957%5,414
Net interest margin3.6884%2,814
Noninterest income to average assets1.4779%566
Noninterest expense to average assets3.0130%2,479
Loan and lease loss provision to assets0.1134%1,994
Net operating income to assets1.1336%1,884
Return on assets (ROA)1.1336%1,960
Pretax return on assets1.8210%860
Return on Equity (ROE)10.6391%1,849
Retained earnings to average equity (ytd only)6.5974%1,890
Net charge-offs to loans0.0281%3,381
Credit loss provision to net charge-offs485.8300%667
Earnings coverage of net charge-offs (x)82.8988%722
Efficiency ratio60.9013%4,753
Assets per employee ($millions)4.1459%3,628
Cash dividends to net income (ytd only)*37.9891%2,410
Condition Ratios (%)
Loss allowance to loans1.2038%3,634
Loan loss allowance to noncurrent loans211.9065%2,148
Noncurrent assets plus other real estate owned to assets0.5272%3,733
Noncurrent loans to loans0.5681%3,633
Net loans and leases to total assets82.5767%515
Net loans and leases to deposits101.3961%587
Net loans and leases to core deposits105.8481%1,110
Total domestic deposits to total assets81.4398%4,353
Equity capital to assets10.5908%3,489
Core capital (leverage) ratio10.8462%2,650
Tier 1 risk-based capital ratio12.6165%4,670
Total risk-based capital ratio13.8206%4,604
Memoranda:
Average total assets$2,822,715,500298
Average earning assets$2,655,177,000290
Average equity$300,756,250308
Average total loans$2,342,604,250258
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8891%3,734
Cost of funding earning assets0.1968%5,462
Net interest margin3.6922%2,747
Noninterest income to average assets1.3027%717
Noninterest expense to average assets2.9613%2,676
Loan and lease loss provision to assets0.1003%2,153
Net operating income to assets1.0686%2,062
Return on assets (ROA)1.0686%2,165
Pretax return on assets1.7134%1,057
Return on Equity (ROE)10.0084%2,065
Retained earnings to average equity (ytd only)5.7556%2,377
Net charge-offs to loans0.0276%3,117
Credit loss provision to net charge-offs438.8715%690
Earnings coverage of net charge-offs (x)79.3323%711
Efficiency ratio62.0175%4,676
Assets per employee ($millions)4.0310%3,823
Cash dividends to net income (ytd only)*42.4921%2,282
Condition Ratios (%)
Loss allowance to loans1.2147%3,706
Loan loss allowance to noncurrent loans173.6493%2,495
Noncurrent assets plus other real estate owned to assets0.7209%3,229
Noncurrent loans to loans0.6995%3,391
Net loans and leases to total assets81.1013%652
Net loans and leases to deposits96.9400%879
Net loans and leases to core deposits101.4972%1,362
Total domestic deposits to total assets83.6614%3,709
Equity capital to assets10.5424%3,395
Core capital (leverage) ratio10.6755%2,763
Tier 1 risk-based capital ratio12.9657%4,539
Total risk-based capital ratio14.1935%4,468
Memoranda:
Average total assets$2,790,721,670297
Average earning assets$2,624,479,330291
Average equity$297,970,330312
Average total loans$2,310,295,670261
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8884%3,671
Cost of funding earning assets0.1994%5,518
Net interest margin3.6890%2,661
Noninterest income to average assets1.2563%723
Noninterest expense to average assets2.9121%2,867
Loan and lease loss provision to assets0.0871%2,238
Net operating income to assets1.0734%1,960
Return on assets (ROA)1.0735%2,079
Pretax return on assets1.7222%1,008
Return on Equity (ROE)9.9887%2,013
Retained earnings to average equity (ytd only)6.1845%2,384
Net charge-offs to loans0.0120%2,948
Credit loss provision to net charge-offs869.5652%364
Earnings coverage of net charge-offs (x)180.5942%308
Efficiency ratio61.6809%4,847
Assets per employee ($millions)4.0329%3,894
Cash dividends to net income (ytd only)*38.0849%2,094
Condition Ratios (%)
Loss allowance to loans1.2123%3,901
Loan loss allowance to noncurrent loans161.0159%2,638
Noncurrent assets plus other real estate owned to assets0.7719%3,179
Noncurrent loans to loans0.7529%3,379
Net loans and leases to total assets81.9689%463
Net loans and leases to deposits97.9703%678
Net loans and leases to core deposits102.5858%1,136
Total domestic deposits to total assets83.6670%3,949
Equity capital to assets10.7318%3,288
Core capital (leverage) ratio10.9559%2,451
Tier 1 risk-based capital ratio13.0444%4,579
Total risk-based capital ratio14.2722%4,503
Memoranda:
Average total assets$2,755,094,500302
Average earning assets$2,587,819,000293
Average equity$296,095,000311
Average total loans$2,290,622,500261
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0786%3,406
Cost of funding earning assets0.2269%5,548
Net interest margin3.8517%2,424
Noninterest income to average assets1.3231%705
Noninterest expense to average assets2.9803%2,898
Loan and lease loss provision to assets0.1670%1,568
Net operating income to assets1.0859%2,027
Return on assets (ROA)1.2009%1,640
Pretax return on assets1.9414%576
Return on Equity (ROE)11.0773%1,703
Retained earnings to average equity (ytd only)7.4894%1,194
Net charge-offs to loans0.1085%2,964
Credit loss provision to net charge-offs185.3486%1,320
Earnings coverage of net charge-offs (x)21.4117%1,677
Efficiency ratio60.7108%5,113
Assets per employee ($millions)4.0588%3,812
Cash dividends to net income (ytd only)*32.3899%3,262
Condition Ratios (%)
Loss allowance to loans1.2085%3,946
Loan loss allowance to noncurrent loans141.2333%2,939
Noncurrent assets plus other real estate owned to assets0.7823%3,251
Noncurrent loans to loans0.8557%3,174
Net loans and leases to total assets82.3045%491
Net loans and leases to deposits100.6567%588
Net loans and leases to core deposits104.2589%1,110
Total domestic deposits to total assets81.7676%4,500
Equity capital to assets10.7628%3,166
Core capital (leverage) ratio11.1826%2,233
Tier 1 risk-based capital ratio13.4702%4,432
Total risk-based capital ratio14.7204%4,371
Memoranda:
Average total assets$2,515,618,600303
Average earning assets$2,342,022,400293
Average equity$272,719,800314
Average total loans$2,089,235,200263
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1036%3,355
Cost of funding earning assets0.2325%5,573
Net interest margin3.8712%2,347
Noninterest income to average assets1.3324%686
Noninterest expense to average assets3.0001%2,800
Loan and lease loss provision to assets0.1299%1,929
Net operating income to assets1.0876%2,084
Return on assets (ROA)1.2442%1,597
Pretax return on assets2.0455%517
Return on Equity (ROE)11.4539%1,644
Retained earnings to average equity (ytd only)7.8400%1,430
Net charge-offs to loans0.1006%2,799
Credit loss provision to net charge-offs155.6420%1,534
Earnings coverage of net charge-offs (x)23.1271%1,601
Efficiency ratio60.8433%5,069
Assets per employee ($millions)3.9715%3,947
Cash dividends to net income (ytd only)*31.5522%2,736
Condition Ratios (%)
Loss allowance to loans1.2164%4,143
Loan loss allowance to noncurrent loans123.5090%3,159
Noncurrent assets plus other real estate owned to assets0.9077%3,174
Noncurrent loans to loans0.9849%3,107
Net loans and leases to total assets83.1287%389
Net loans and leases to deposits99.8849%621
Net loans and leases to core deposits102.6127%1,179
Total domestic deposits to total assets83.2245%4,058
Equity capital to assets11.2050%2,754
Core capital (leverage) ratio11.4650%2,089
Tier 1 risk-based capital ratio13.7291%4,402
Total risk-based capital ratio14.9792%4,333
Memoranda:
Average total assets$2,462,650,750304
Average earning assets$2,289,157,500294
Average equity$267,511,000315
Average total loans$2,043,467,250263
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0980%3,350
Cost of funding earning assets0.2393%5,590
Net interest margin3.8587%2,342
Noninterest income to average assets1.3168%691
Noninterest expense to average assets3.0180%2,765
Loan and lease loss provision to assets0.0990%2,371
Net operating income to assets1.0594%2,085
Return on assets (ROA)1.2976%1,363
Pretax return on assets2.1528%402
Return on Equity (ROE)12.0801%1,397
Retained earnings to average equity (ytd only)8.4582%1,153
Net charge-offs to loans0.1079%2,595
Credit loss provision to net charge-offs111.1111%1,803
Earnings coverage of net charge-offs (x)21.0972%1,560
Efficiency ratio61.6214%5,060
Assets per employee ($millions)3.9047%4,049
Cash dividends to net income (ytd only)*29.9828%2,785
Condition Ratios (%)
Loss allowance to loans1.2416%4,210
Loan loss allowance to noncurrent loans119.5562%3,218
Noncurrent assets plus other real estate owned to assets0.9447%3,175
Noncurrent loans to loans1.0385%3,158
Net loans and leases to total assets81.1216%559
Net loans and leases to deposits94.2083%946
Net loans and leases to core deposits96.5735%1,557
Total domestic deposits to total assets86.1088%2,991
Equity capital to assets10.6254%3,278
Core capital (leverage) ratio10.9071%2,521
Tier 1 risk-based capital ratio13.3660%4,674
Total risk-based capital ratio14.6165%4,619
Memoranda:
Average total assets$2,424,363,330308
Average earning assets$2,249,842,000298
Average equity$260,411,330317
Average total loans$2,001,610,670264
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1548%3,054
Cost of funding earning assets0.2480%5,596
Net interest margin3.9068%2,062
Noninterest income to average assets1.2527%702
Noninterest expense to average assets3.1835%2,283
Loan and lease loss provision to assets0.0672%2,783
Net operating income to assets0.9169%2,565
Return on assets (ROA)1.4023%1,028
Pretax return on assets2.3829%269
Return on Equity (ROE)12.9810%1,167
Retained earnings to average equity (ytd only)9.4217%1,133
Net charge-offs to loans0.1818%1,631
Credit loss provision to net charge-offs44.6927%2,259
Earnings coverage of net charge-offs (x)11.2436%1,792
Efficiency ratio65.2988%4,642
Assets per employee ($millions)3.7911%4,344
Cash dividends to net income (ytd only)*27.4188%2,352
Condition Ratios (%)
Loss allowance to loans1.2577%4,337
Loan loss allowance to noncurrent loans121.3271%3,137
Noncurrent assets plus other real estate owned to assets0.9980%3,273
Noncurrent loans to loans1.0366%3,352
Net loans and leases to total assets81.6326%383
Net loans and leases to deposits93.8336%810
Net loans and leases to core deposits96.4623%1,351
Total domestic deposits to total assets86.9971%2,812
Equity capital to assets10.8787%2,848
Core capital (leverage) ratio11.0213%2,368
Tier 1 risk-based capital ratio13.4934%4,681
Total risk-based capital ratio14.7439%4,624
Memoranda:
Average total assets$2,379,236,000314
Average earning assets$2,206,195,000304
Average equity$257,022,500318
Average total loans$1,969,643,500260
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4300%2,469
Cost of funding earning assets0.3275%5,351
Net interest margin4.1025%1,626
Noninterest income to average assets1.4793%640
Noninterest expense to average assets3.1425%2,616
Loan and lease loss provision to assets0.1683%2,173
Net operating income to assets1.1750%1,665
Return on assets (ROA)1.2319%1,508
Pretax return on assets2.0238%452
Return on Equity (ROE)12.4591%1,294
Retained earnings to average equity (ytd only)9.1947%735
Net charge-offs to loans0.1516%3,286
Credit loss provision to net charge-offs136.3963%1,718
Earnings coverage of net charge-offs (x)17.0413%1,744
Efficiency ratio59.9052%5,487
Assets per employee ($millions)3.6679%4,555
Cash dividends to net income (ytd only)*26.2011%3,449
Condition Ratios (%)
Loss allowance to loans1.3097%4,094
Loan loss allowance to noncurrent loans160.4803%2,524
Noncurrent assets plus other real estate owned to assets1.1200%3,160
Noncurrent loans to loans0.8161%3,933
Net loans and leases to total assets81.8140%428
Net loans and leases to deposits95.4870%768
Net loans and leases to core deposits98.3758%1,278
Total domestic deposits to total assets85.6808%3,411
Equity capital to assets10.7249%2,905
Core capital (leverage) ratio10.9083%2,467
Tier 1 risk-based capital ratio12.2846%5,438
Total risk-based capital ratio13.5287%5,369
Memoranda:
Average total assets$2,257,313,000320
Average earning assets$2,072,347,200314
Average equity$223,194,400344
Average total loans$1,837,263,400269
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4513%2,414
Cost of funding earning assets0.3446%5,343
Net interest margin4.1067%1,613
Noninterest income to average assets1.5071%643
Noninterest expense to average assets3.1972%2,377
Loan and lease loss provision to assets0.1552%2,323
Net operating income to assets1.1530%1,796
Return on assets (ROA)1.2299%1,608
Pretax return on assets2.0367%535
Return on Equity (ROE)12.7221%1,312
Retained earnings to average equity (ytd only)9.6796%862
Net charge-offs to loans0.1903%2,701
Credit loss provision to net charge-offs100.6971%2,322
Earnings coverage of net charge-offs (x)13.4427%2,030
Efficiency ratio60.6813%5,330
Assets per employee ($millions)3.4968%4,857
Cash dividends to net income (ytd only)*23.9154%2,941
Condition Ratios (%)
Loss allowance to loans1.3108%4,328
Loan loss allowance to noncurrent loans155.5485%2,470
Noncurrent assets plus other real estate owned to assets1.3148%3,016
Noncurrent loans to loans0.8427%4,141
Net loans and leases to total assets81.1324%439
Net loans and leases to deposits92.7959%916
Net loans and leases to core deposits95.7299%1,413
Total domestic deposits to total assets87.4310%2,448
Equity capital to assets9.8964%4,059
Core capital (leverage) ratio9.9491%3,745
Tier 1 risk-based capital ratio11.2755%6,162
Total risk-based capital ratio12.5211%6,126
Memoranda:
Average total assets$2,233,867,500323
Average earning assets$2,046,194,500318
Average equity$215,954,750357
Average total loans$1,809,316,250270
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4382%2,427
Cost of funding earning assets0.3622%5,299
Net interest margin4.0760%1,613
Noninterest income to average assets1.5099%684
Noninterest expense to average assets3.1897%2,381
Loan and lease loss provision to assets0.1397%2,580
Net operating income to assets1.1234%1,844
Return on assets (ROA)1.2411%1,580
Pretax return on assets2.0898%503
Return on Equity (ROE)12.9427%1,257
Retained earnings to average equity (ytd only)10.7430%694
Net charge-offs to loans0.1538%2,870
Credit loss provision to net charge-offs112.7273%1,962
Earnings coverage of net charge-offs (x)16.5113%1,659
Efficiency ratio60.9270%5,347
Assets per employee ($millions)3.4828%4,889
Cash dividends to net income (ytd only)*16.9958%3,104
Condition Ratios (%)
Loss allowance to loans1.3389%4,319
Loan loss allowance to noncurrent loans121.4911%2,991
Noncurrent assets plus other real estate owned to assets1.6797%2,595
Noncurrent loans to loans1.1021%3,727
Net loans and leases to total assets81.6127%383
Net loans and leases to deposits92.7147%905
Net loans and leases to core deposits95.5964%1,388
Total domestic deposits to total assets88.0257%2,228
Equity capital to assets9.8893%4,069
Core capital (leverage) ratio9.7103%3,922
Tier 1 risk-based capital ratio11.1140%6,289
Total risk-based capital ratio12.3644%6,261
Memoranda:
Average total assets$2,219,687,670326
Average earning assets$2,028,745,330323
Average equity$212,845,670363
Average total loans$1,788,610,330273
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3921%2,549
Cost of funding earning assets0.3862%5,230
Net interest margin4.0059%1,756
Noninterest income to average assets1.4745%714
Noninterest expense to average assets3.2933%2,100
Loan and lease loss provision to assets0.1625%2,237
Net operating income to assets1.0398%2,073
Return on assets (ROA)1.2756%1,441
Pretax return on assets2.0337%558
Return on Equity (ROE)13.5163%1,054
Retained earnings to average equity (ytd only)13.5163%497
Net charge-offs to loans0.2106%2,156
Credit loss provision to net charge-offs97.0874%1,914
Earnings coverage of net charge-offs (x)10.9180%1,700
Efficiency ratio64.3099%4,960
Assets per employee ($millions)3.6269%4,720
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3960%4,252
Loan loss allowance to noncurrent loans122.6151%2,832
Noncurrent assets plus other real estate owned to assets1.9445%2,416
Noncurrent loans to loans1.1385%3,881
Net loans and leases to total assets77.6595%650
Net loans and leases to deposits88.4595%1,101
Net loans and leases to core deposits91.2955%1,577
Total domestic deposits to total assets87.7910%2,466
Equity capital to assets9.7195%4,537
Core capital (leverage) ratio9.4940%4,092
Tier 1 risk-based capital ratio11.0733%6,375
Total risk-based capital ratio12.3242%6,348
Memoranda:
Average total assets$2,215,031,500330
Average earning assets$2,016,325,500326
Average equity$209,052,000375
Average total loans$1,760,998,000281
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8996%1,842
Cost of funding earning assets0.5099%5,149
Net interest margin4.3897%1,181
Noninterest income to average assets1.2538%992
Noninterest expense to average assets3.1017%2,916
Loan and lease loss provision to assets0.3253%2,096
Net operating income to assets1.1581%1,745
Return on assets (ROA)1.1492%1,941
Pretax return on assets1.7783%961
Return on Equity (ROE)12.8869%1,258
Retained earnings to average equity (ytd only)8.4061%1,000
Net charge-offs to loans0.6389%1,834
Credit loss provision to net charge-offs63.2625%4,366
Earnings coverage of net charge-offs (x)4.1178%3,476
Efficiency ratio59.4316%5,629
Assets per employee ($millions)3.6236%4,724
Cash dividends to net income (ytd only)*34.7701%3,145
Condition Ratios (%)
Loss allowance to loans1.3864%4,232
Loan loss allowance to noncurrent loans109.6685%3,109
Noncurrent assets plus other real estate owned to assets1.6540%2,917
Noncurrent loans to loans1.2641%3,721
Net loans and leases to total assets79.1408%546
Net loans and leases to deposits92.3768%884
Net loans and leases to core deposits95.6553%1,335
Total domestic deposits to total assets85.6717%3,524
Equity capital to assets9.1533%5,333
Core capital (leverage) ratio9.6356%3,911
Tier 1 risk-based capital ratio10.8092%6,421
Total risk-based capital ratio12.0596%6,397
Memoranda:
Average total assets$2,152,039,600335
Average earning assets$1,943,922,800332
Average equity$191,908,600389
Average total loans$1,732,007,000274
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9462%1,843
Cost of funding earning assets0.5305%5,240
Net interest margin4.4157%1,174
Noninterest income to average assets1.1318%1,178
Noninterest expense to average assets3.1103%2,856
Loan and lease loss provision to assets0.2337%2,706
Net operating income to assets1.1521%1,897
Return on assets (ROA)1.1414%2,137
Pretax return on assets1.7604%1,143
Return on Equity (ROE)12.8868%1,365
Retained earnings to average equity (ytd only)9.5456%1,044
Net charge-offs to loans0.6643%1,650
Credit loss provision to net charge-offs43.6859%4,536
Earnings coverage of net charge-offs (x)3.7584%3,525
Efficiency ratio60.7356%5,367
Assets per employee ($millions)3.5233%4,924
Cash dividends to net income (ytd only)*25.9269%2,816
Condition Ratios (%)
Loss allowance to loans1.3571%4,548
Loan loss allowance to noncurrent loans101.3575%3,189
Noncurrent assets plus other real estate owned to assets2.0357%2,598
Noncurrent loans to loans1.3389%3,793
Net loans and leases to total assets81.0987%425
Net loans and leases to deposits93.3094%844
Net loans and leases to core deposits96.3587%1,387
Total domestic deposits to total assets86.9138%2,725
Equity capital to assets9.2875%5,483
Core capital (leverage) ratio9.3913%4,447
Tier 1 risk-based capital ratio10.5467%6,650
Total risk-based capital ratio11.7967%6,635
Memoranda:
Average total assets$2,139,264,750334
Average earning assets$1,932,682,250333
Average equity$189,471,000390
Average total loans$1,722,985,500273
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9195%2,028
Cost of funding earning assets0.5490%5,313
Net interest margin4.3705%1,279
Noninterest income to average assets1.0445%1,331
Noninterest expense to average assets3.0582%3,056
Loan and lease loss provision to assets0.3266%2,015
Net operating income to assets1.0553%2,223
Return on assets (ROA)1.0390%2,528
Pretax return on assets1.5837%1,591
Return on Equity (ROE)11.9231%1,688
Retained earnings to average equity (ytd only)8.7113%1,371
Net charge-offs to loans0.7373%1,501
Credit loss provision to net charge-offs55.3885%3,917
Earnings coverage of net charge-offs (x)3.2812%3,431
Efficiency ratio61.2470%5,375
Assets per employee ($millions)3.5370%4,895
Cash dividends to net income (ytd only)*26.9379%2,732
Condition Ratios (%)
Loss allowance to loans1.4855%4,080
Loan loss allowance to noncurrent loans98.4332%3,244
Noncurrent assets plus other real estate owned to assets2.6456%2,094
Noncurrent loans to loans1.5091%3,643
Net loans and leases to total assets79.1717%598
Net loans and leases to deposits91.5287%998
Net loans and leases to core deposits94.5421%1,547
Total domestic deposits to total assets86.4993%3,072
Equity capital to assets8.8888%5,819
Core capital (leverage) ratio8.9942%4,927
Tier 1 risk-based capital ratio10.1140%6,792
Total risk-based capital ratio11.3654%6,778
Memoranda:
Average total assets$2,142,999,330334
Average earning assets$1,936,194,670333
Average equity$186,747,000396
Average total loans$1,714,123,000271
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8865%2,300
Cost of funding earning assets0.5712%5,351
Net interest margin4.3153%1,421
Noninterest income to average assets1.1202%1,127
Noninterest expense to average assets3.0291%3,158
Loan and lease loss provision to assets0.3746%1,685
Net operating income to assets1.0625%2,239
Return on assets (ROA)1.0625%2,431
Pretax return on assets1.6131%1,531
Return on Equity (ROE)12.3173%1,576
Retained earnings to average equity (ytd only)9.0605%1,570
Net charge-offs to loans0.5840%1,634
Credit loss provision to net charge-offs80.3859%2,719
Earnings coverage of net charge-offs (x)4.2657%2,614
Efficiency ratio60.3786%5,564
Assets per employee ($millions)3.5912%4,909
Cash dividends to net income (ytd only)*26.4410%2,179
Condition Ratios (%)
Loss allowance to loans1.6332%3,606
Loan loss allowance to noncurrent loans90.7678%3,320
Noncurrent assets plus other real estate owned to assets2.6548%2,225
Noncurrent loans to loans1.7993%3,413
Net loans and leases to total assets78.7798%515
Net loans and leases to deposits89.9874%963
Net loans and leases to core deposits93.3286%1,518
Total domestic deposits to total assets87.5454%2,625
Equity capital to assets8.6853%5,893
Core capital (leverage) ratio8.9094%4,982
Tier 1 risk-based capital ratio9.9888%6,884
Total risk-based capital ratio11.2421%6,877
Memoranda:
Average total assets$2,135,699,000332
Average earning assets$1,928,490,500328
Average equity$184,228,000394
Average total loans$1,704,201,000270
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0199%2,794
Cost of funding earning assets0.7444%5,246
Net interest margin4.2754%1,784
Noninterest income to average assets1.1912%934
Noninterest expense to average assets2.9359%3,817
Loan and lease loss provision to assets0.8800%1,102
Net operating income to assets0.8393%2,880
Return on assets (ROA)0.8055%3,176
Pretax return on assets1.1805%2,522
Return on Equity (ROE)9.6700%2,178
Retained earnings to average equity (ytd only)7.0429%1,488
Net charge-offs to loans1.3317%1,238
Credit loss provision to net charge-offs84.1751%4,274
Earnings coverage of net charge-offs (x)2.0185%4,261
Efficiency ratio58.1808%6,027
Assets per employee ($millions)3.4875%5,044
Cash dividends to net income (ytd only)*27.1671%3,231
Condition Ratios (%)
Loss allowance to loans1.6924%3,233
Loan loss allowance to noncurrent loans88.8948%3,369
Noncurrent assets plus other real estate owned to assets2.7946%2,166
Noncurrent loans to loans1.9039%3,339
Net loans and leases to total assets78.1554%694
Net loans and leases to deposits90.1694%1,138
Net loans and leases to core deposits93.6139%1,738
Total domestic deposits to total assets86.6762%2,930
Equity capital to assets8.5663%6,056
Core capital (leverage) ratio9.1572%4,537
Tier 1 risk-based capital ratio10.0971%6,832
Total risk-based capital ratio11.3504%6,816
Memoranda:
Average total assets$2,073,829,000332
Average earning assets$1,869,872,800334
Average equity$172,740,800409
Average total loans$1,628,047,400277
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0284%2,946
Cost of funding earning assets0.7818%5,267
Net interest margin4.2466%1,923
Noninterest income to average assets1.2271%874
Noninterest expense to average assets2.9591%3,708
Loan and lease loss provision to assets1.0349%815
Net operating income to assets0.7446%3,411
Return on assets (ROA)0.6804%3,889
Pretax return on assets0.9733%3,510
Return on Equity (ROE)8.2286%2,948
Retained earnings to average equity (ytd only)5.8630%2,640
Net charge-offs to loans1.3958%1,077
Credit loss provision to net charge-offs94.7530%3,614
Earnings coverage of net charge-offs (x)1.9227%4,213
Efficiency ratio58.4906%5,938
Assets per employee ($millions)3.5184%4,944
Cash dividends to net income (ytd only)*28.7480%2,529
Condition Ratios (%)
Loss allowance to loans1.8975%2,617
Loan loss allowance to noncurrent loans77.1952%3,672
Noncurrent assets plus other real estate owned to assets3.3705%1,881
Noncurrent loans to loans2.4581%2,816
Net loans and leases to total assets76.6014%894
Net loans and leases to deposits87.4297%1,504
Net loans and leases to core deposits90.9510%2,129
Total domestic deposits to total assets87.6148%2,282
Equity capital to assets8.5370%6,262
Core capital (leverage) ratio8.9299%5,051
Tier 1 risk-based capital ratio10.2076%6,891
Total risk-based capital ratio11.4635%6,876
Memoranda:
Average total assets$2,061,316,250336
Average earning assets$1,860,097,750335
Average equity$170,441,750421
Average total loans$1,612,933,500280
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0083%3,119
Cost of funding earning assets0.8057%5,328
Net interest margin4.2026%2,024
Noninterest income to average assets1.3561%694
Noninterest expense to average assets3.0313%3,522
Loan and lease loss provision to assets1.2694%591
Net operating income to assets0.6207%3,954
Return on assets (ROA)0.5343%4,500
Pretax return on assets0.7296%4,274
Return on Equity (ROE)6.5344%3,685
Retained earnings to average equity (ytd only)4.0040%3,651
Net charge-offs to loans1.7962%780
Credit loss provision to net charge-offs90.2527%3,446
Earnings coverage of net charge-offs (x)1.5054%4,161
Efficiency ratio58.8757%6,048
Assets per employee ($millions)3.5184%4,898
Cash dividends to net income (ytd only)*38.7244%2,136
Condition Ratios (%)
Loss allowance to loans1.9360%2,555
Loan loss allowance to noncurrent loans71.5465%3,873
Noncurrent assets plus other real estate owned to assets3.6382%1,806
Noncurrent loans to loans2.7059%2,689
Net loans and leases to total assets74.2987%1,360
Net loans and leases to deposits84.6825%1,993
Net loans and leases to core deposits88.6433%2,544
Total domestic deposits to total assets87.7379%2,322
Equity capital to assets8.3370%6,376
Core capital (leverage) ratio8.7308%5,175
Tier 1 risk-based capital ratio10.3207%6,863
Total risk-based capital ratio11.5773%6,854
Memoranda:
Average total assets$2,048,254,330344
Average earning assets$1,848,386,000340
Average equity$167,482,670431
Average total loans$1,603,866,330289
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0322%2,946
Cost of funding earning assets0.8147%5,501
Net interest margin4.2175%1,844
Noninterest income to average assets1.3602%693
Noninterest expense to average assets3.0071%3,620
Loan and lease loss provision to assets1.1827%596
Net operating income to assets0.7179%3,438
Return on assets (ROA)0.5431%4,383
Pretax return on assets0.7420%4,136
Return on Equity (ROE)6.7092%3,528
Retained earnings to average equity (ytd only)3.7869%3,903
Net charge-offs to loans1.0821%1,272
Credit loss provision to net charge-offs137.2998%2,038
Earnings coverage of net charge-offs (x)2.5124%3,075
Efficiency ratio58.1497%6,250
Assets per employee ($millions)3.5282%4,929
Cash dividends to net income (ytd only)*43.5572%1,655
Condition Ratios (%)
Loss allowance to loans2.0916%2,204
Loan loss allowance to noncurrent loans44.4735%5,334
Noncurrent assets plus other real estate owned to assets4.1575%1,589
Noncurrent loans to loans4.7031%1,473
Net loans and leases to total assets76.5505%954
Net loans and leases to deposits87.0106%1,593
Net loans and leases to core deposits90.8104%2,260
Total domestic deposits to total assets87.9784%2,385
Equity capital to assets8.0621%6,434
Core capital (leverage) ratio8.7400%5,021
Tier 1 risk-based capital ratio9.9832%7,010
Total risk-based capital ratio11.2416%7,004
Memoranda:
Average total assets$2,029,171,500347
Average earning assets$1,833,708,000345
Average equity$164,251,500435
Average total loans$1,615,406,000289
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3834%2,755
Cost of funding earning assets1.1319%4,957
Net interest margin4.2514%1,987
Noninterest income to average assets1.4224%711
Noninterest expense to average assets2.9399%4,071
Loan and lease loss provision to assets1.0408%1,552
Net operating income to assets0.9226%2,308
Return on assets (ROA)0.5051%4,233
Pretax return on assets0.6968%3,989
Return on Equity (ROE)6.3860%3,405
Retained earnings to average equity (ytd only)6.3860%1,628
Net charge-offs to loans0.8248%2,567
Credit loss provision to net charge-offs155.5095%2,274
Earnings coverage of net charge-offs (x)3.4626%3,346
Efficiency ratio55.9202%6,605
Assets per employee ($millions)3.4507%5,052
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.9727%2,374
Loan loss allowance to noncurrent loans44.5031%5,355
Noncurrent assets plus other real estate owned to assets4.1140%1,642
Noncurrent loans to loans4.4326%1,607
Net loans and leases to total assets79.4726%736
Net loans and leases to deposits91.9310%1,270
Net loans and leases to core deposits95.5773%2,063
Total domestic deposits to total assets86.4481%3,105
Equity capital to assets8.1278%6,349
Core capital (leverage) ratio8.7465%4,948
Tier 1 risk-based capital ratio9.8223%7,047
Total risk-based capital ratio11.0792%7,037
Memoranda:
Average total assets$2,017,727,800344
Average earning assets$1,820,048,600339
Average equity$159,583,800430
Average total loans$1,637,176,400291
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3443%3,148
Cost of funding earning assets1.1994%4,868
Net interest margin4.1449%2,429
Noninterest income to average assets1.4345%659
Noninterest expense to average assets2.9283%3,986
Loan and lease loss provision to assets0.5276%2,823
Net operating income to assets1.1698%1,673
Return on assets (ROA)0.6543%3,798
Pretax return on assets0.9601%3,329
Return on Equity (ROE)8.3291%2,780
Retained earnings to average equity (ytd only)8.3291%1,303
Net charge-offs to loans0.4268%3,584
Credit loss provision to net charge-offs152.2939%2,547
Earnings coverage of net charge-offs (x)6.4830%2,514
Efficiency ratio56.5952%6,474
Assets per employee ($millions)3.4477%5,101
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6451%3,347
Loan loss allowance to noncurrent loans58.1463%4,435
Noncurrent assets plus other real estate owned to assets2.9155%2,489
Noncurrent loans to loans2.8292%2,823
Net loans and leases to total assets80.3907%680
Net loans and leases to deposits93.3752%1,274
Net loans and leases to core deposits97.3328%2,109
Total domestic deposits to total assets86.0943%3,025
Equity capital to assets8.3227%6,480
Core capital (leverage) ratio8.5725%5,383
Tier 1 risk-based capital ratio9.5738%7,235
Total risk-based capital ratio10.8271%7,227
Memoranda:
Average total assets$2,021,805,750342
Average earning assets$1,824,085,250338
Average equity$158,812,000424
Average total loans$1,640,824,000290
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3354%3,289
Cost of funding earning assets1.2500%4,827
Net interest margin4.0854%2,627
Noninterest income to average assets1.4061%641
Noninterest expense to average assets2.9051%4,052
Loan and lease loss provision to assets0.3465%3,648
Net operating income to assets1.3045%1,293
Return on assets (ROA)0.5452%4,260
Pretax return on assets0.7650%4,005
Return on Equity (ROE)7.0813%3,267
Retained earnings to average equity (ytd only)7.0813%1,799
Net charge-offs to loans0.3875%3,428
Credit loss provision to net charge-offs110.4449%3,680
Earnings coverage of net charge-offs (x)6.9511%2,382
Efficiency ratio57.1181%6,496
Assets per employee ($millions)3.4864%4,957
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5130%3,853
Loan loss allowance to noncurrent loans52.8788%4,770
Noncurrent assets plus other real estate owned to assets2.6207%2,758
Noncurrent loans to loans2.8613%2,798
Net loans and leases to total assets79.4247%887
Net loans and leases to deposits92.1555%1,506
Net loans and leases to core deposits95.6239%2,487
Total domestic deposits to total assets86.1856%2,991
Equity capital to assets7.9726%6,780
Core capital (leverage) ratio8.3475%5,673
Tier 1 risk-based capital ratio9.3313%7,324
Total risk-based capital ratio10.5830%7,322
Memoranda:
Average total assets$2,019,992,000342
Average earning assets$1,819,490,670342
Average equity$155,508,670437
Average total loans$1,635,439,330290
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3311%3,387
Cost of funding earning assets1.2864%4,896
Net interest margin4.0447%2,676
Noninterest income to average assets1.4155%600
Noninterest expense to average assets2.8863%4,116
Loan and lease loss provision to assets0.1491%5,058
Net operating income to assets1.6664%661
Return on assets (ROA)0.3095%5,389
Pretax return on assets0.3714%5,377
Return on Equity (ROE)4.0947%4,853
Retained earnings to average equity (ytd only)4.0947%3,696
Net charge-offs to loans0.5492%2,431
Credit loss provision to net charge-offs33.4672%4,761
Earnings coverage of net charge-offs (x)4.8376%2,535
Efficiency ratio57.2499%6,596
Assets per employee ($millions)3.5438%4,939
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4030%4,408
Loan loss allowance to noncurrent loans110.2908%2,506
Noncurrent assets plus other real estate owned to assets1.4300%4,364
Noncurrent loans to loans1.2721%4,854
Net loans and leases to total assets80.3717%787
Net loans and leases to deposits93.6178%1,392
Net loans and leases to core deposits97.6627%2,379
Total domestic deposits to total assets85.8508%3,231
Equity capital to assets7.8576%6,802
Core capital (leverage) ratio8.0719%6,128
Tier 1 risk-based capital ratio8.8652%7,503
Total risk-based capital ratio10.1155%7,524
Memoranda:
Average total assets$2,011,968,000353
Average earning assets$1,803,765,000357
Average equity$152,100,500450
Average total loans$1,632,178,000302
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4199%4,591
Cost of funding earning assets1.6779%4,626
Net interest margin3.7420%3,946
Noninterest income to average assets1.6309%544
Noninterest expense to average assets3.0610%3,902
Loan and lease loss provision to assets0.4819%3,955
Net operating income to assets1.1810%1,298
Return on assets (ROA)-1.3355%6,787
Pretax return on assets-2.4537%7,133
Return on Equity (ROE)-19.8823%7,140
Retained earnings to average equity (ytd only)-20.6191%7,126
Net charge-offs to loans0.2227%5,232
Credit loss provision to net charge-offs273.7382%1,258
Earnings coverage of net charge-offs (x)11.1349%1,626
Efficiency ratio60.9613%6,338
Assets per employee ($millions)3.5036%4,993
Cash dividends to net income (ytd only)*-3.7061%7,484
Condition Ratios (%)
Loss allowance to loans1.5098%3,668
Loan loss allowance to noncurrent loans76.5952%3,572
Noncurrent assets plus other real estate owned to assets3.0257%2,310
Noncurrent loans to loans1.9711%3,687
Net loans and leases to total assets79.5123%1,086
Net loans and leases to deposits93.0891%1,725
Net loans and leases to core deposits108.9626%3,004
Total domestic deposits to total assets85.4153%3,347
Equity capital to assets7.2617%7,228
Core capital (leverage) ratio8.3570%5,524
Tier 1 risk-based capital ratio8.9701%7,479
Total risk-based capital ratio10.2209%7,502
Memoranda:
Average total assets$1,992,140,400357
Average earning assets$1,804,914,000352
Average equity$133,812,600504
Average total loans$1,574,430,000319
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4189%4,853
Cost of funding earning assets1.7565%4,609
Net interest margin3.6624%4,226
Noninterest income to average assets1.6428%541
Noninterest expense to average assets3.0798%3,725
Loan and lease loss provision to assets0.4428%3,694
Net operating income to assets1.1234%1,659
Return on assets (ROA)-0.7581%6,664
Pretax return on assets-1.4914%6,959
Return on Equity (ROE)-11.5224%6,993
Retained earnings to average equity (ytd only)-12.5278%6,977
Net charge-offs to loans0.0923%5,759
Credit loss provision to net charge-offs610.5458%625
Earnings coverage of net charge-offs (x)26.0777%1,031
Efficiency ratio61.9553%6,115
Assets per employee ($millions)3.4604%5,022
Cash dividends to net income (ytd only)*-8.7256%7,741
Condition Ratios (%)
Loss allowance to loans1.4612%3,637
Loan loss allowance to noncurrent loans103.3726%2,690
Noncurrent assets plus other real estate owned to assets3.3534%2,005
Noncurrent loans to loans1.4135%4,552
Net loans and leases to total assets79.7452%1,223
Net loans and leases to deposits93.9090%1,892
Net loans and leases to core deposits109.3406%3,308
Total domestic deposits to total assets84.9176%3,278
Equity capital to assets6.8528%7,664
Core capital (leverage) ratio7.8033%6,605
Tier 1 risk-based capital ratio7.8307%7,819
Total risk-based capital ratio9.0383%7,832
Memoranda:
Average total assets$1,987,410,000369
Average earning assets$1,806,056,000366
Average equity$130,756,500523
Average total loans$1,562,149,000337
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4269%5,001
Cost of funding earning assets1.8267%4,624
Net interest margin3.6002%4,358
Noninterest income to average assets1.6029%586
Noninterest expense to average assets3.1696%3,429
Loan and lease loss provision to assets0.4658%3,194
Net operating income to assets1.0259%2,017
Return on assets (ROA)-1.1387%7,084
Pretax return on assets-2.1473%7,331
Return on Equity (ROE)-17.5566%7,442
Retained earnings to average equity (ytd only)-19.0960%7,427
Net charge-offs to loans0.0776%5,426
Credit loss provision to net charge-offs771.8121%609
Earnings coverage of net charge-offs (x)28.1779%1,041
Efficiency ratio65.0816%5,702
Assets per employee ($millions)3.2921%5,344
Cash dividends to net income (ytd only)*-8.7683%7,858
Condition Ratios (%)
Loss allowance to loans1.3997%3,724
Loan loss allowance to noncurrent loans95.6939%3,010
Noncurrent assets plus other real estate owned to assets3.2845%1,888
Noncurrent loans to loans1.4626%4,299
Net loans and leases to total assets78.6588%1,601
Net loans and leases to deposits91.0528%2,642
Net loans and leases to core deposits107.2434%3,699
Total domestic deposits to total assets86.3881%2,574
Equity capital to assets6.6914%7,756
Core capital (leverage) ratio7.8715%6,530
Tier 1 risk-based capital ratio7.6953%7,942
Total risk-based capital ratio8.8157%7,965
Memoranda:
Average total assets$1,975,092,330379
Average earning assets$1,792,444,330374
Average equity$128,100,330544
Average total loans$1,536,775,000354
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4958%4,934
Cost of funding earning assets1.8707%4,787
Net interest margin3.6251%4,214
Noninterest income to average assets1.4893%634
Noninterest expense to average assets3.1407%3,229
Loan and lease loss provision to assets0.3064%3,498
Net operating income to assets0.9417%2,539
Return on assets (ROA)0.9401%2,679
Pretax return on assets1.3275%2,189
Return on Equity (ROE)14.7340%1,027
Retained earnings to average equity (ytd only)11.5779%868
Net charge-offs to loans0.0941%4,235
Credit loss provision to net charge-offs423.7288%1,249
Earnings coverage of net charge-offs (x)22.6299%1,308
Efficiency ratio65.7489%5,376
Assets per employee ($millions)3.2352%5,501
Cash dividends to net income (ytd only)*21.4208%2,535
Condition Ratios (%)
Loss allowance to loans1.2799%4,204
Loan loss allowance to noncurrent loans90.2278%3,328
Noncurrent assets plus other real estate owned to assets2.4214%2,371
Noncurrent loans to loans1.4185%4,183
Net loans and leases to total assets77.1008%2,018
Net loans and leases to deposits88.2268%3,249
Net loans and leases to core deposits103.2110%4,225
Total domestic deposits to total assets87.3893%2,021
Equity capital to assets6.3251%7,927
Core capital (leverage) ratio8.5061%5,522
Tier 1 risk-based capital ratio7.8101%8,030
Total risk-based capital ratio8.7311%8,075
Memoranda:
Average total assets$1,958,543,000381
Average earning assets$1,776,193,500378
Average equity$124,962,500548
Average total loans$1,504,142,000363
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9826%5,633
Cost of funding earning assets2.2631%5,321
Net interest margin3.7196%4,387
Noninterest income to average assets1.6332%521
Noninterest expense to average assets3.1024%3,684
Loan and lease loss provision to assets0.4073%3,244
Net operating income to assets2.6030%106
Return on assets (ROA)1.0992%2,067
Pretax return on assets0.0426%6,067
Return on Equity (ROE)16.4195%711
Retained earnings to average equity (ytd only)3.8992%2,703
Net charge-offs to loans0.1131%5,135
Credit loss provision to net charge-offs493.0966%886
Earnings coverage of net charge-offs (x)23.6529%1,412
Efficiency ratio61.3606%6,091
Assets per employee ($millions)3.1508%5,622
Cash dividends to net income (ytd only)*76.2523%1,891
Condition Ratios (%)
Loss allowance to loans1.2448%4,198
Loan loss allowance to noncurrent loans143.5508%2,562
Noncurrent assets plus other real estate owned to assets0.7851%4,886
Noncurrent loans to loans0.8672%4,888
Net loans and leases to total assets74.5595%2,974
Net loans and leases to deposits86.6435%4,011
Net loans and leases to core deposits99.9005%4,832
Total domestic deposits to total assets86.0532%2,376
Equity capital to assets6.4355%7,956
Core capital (leverage) ratio8.2862%5,978
Tier 1 risk-based capital ratio9.2157%7,597
Total risk-based capital ratio10.3152%7,715
Memoranda:
Average total assets$1,841,512,800389
Average earning assets$1,694,609,000385
Average equity$123,280,600548
Average total loans$1,345,153,600389