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Century Bank and Trust, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2865%3,249
Cost of funding earning assets0.3586%1,865
Net interest margin2.9279%3,381
Noninterest income to average assets0.9118%1,174
Noninterest expense to average assets2.2051%3,068
Loan and lease loss provision to assets0.0351%2,351
Net operating income to assets1.1813%1,988
Return on assets (ROA)1.1832%2,048
Pretax return on assets1.4844%1,778
Return on Equity (ROE)12.0468%1,800
Retained earnings to average equity (ytd only)6.7983%2,001
Net charge-offs to loans-0.0037%3,481
Credit loss provision to net charge-offs-2,000.0000%4,052
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.2403%3,265
Assets per employee ($millions)7.9242%1,369
Cash dividends to net income (ytd only)*43.5675%1,844
Condition Ratios (%)
Loss allowance to loans1.0586%3,535
Loan loss allowance to noncurrent loans1,440.0000%671
Noncurrent assets plus other real estate owned to assets0.0379%3,751
Noncurrent loans to loans0.0735%3,565
Net loans and leases to total assets43.3640%3,883
Net loans and leases to deposits48.0241%3,996
Net loans and leases to core deposits48.4680%4,076
Total domestic deposits to total assets90.2963%815
Equity capital to assets9.2539%3,367
Core capital (leverage) ratio9.8867%2,480
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$341,614,6002,236
Average earning assets$327,919,6002,198
Average equity$33,552,4002,354
Average total loans$162,338,0002,524
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3652%3,204
Cost of funding earning assets0.3888%1,787
Net interest margin2.9764%3,370
Noninterest income to average assets0.9923%1,083
Noninterest expense to average assets2.2265%2,986
Loan and lease loss provision to assets0.0359%2,281
Net operating income to assets1.2644%1,942
Return on assets (ROA)1.2670%1,987
Pretax return on assets1.5880%1,747
Return on Equity (ROE)12.6951%1,802
Retained earnings to average equity (ytd only)5.6494%2,981
Net charge-offs to loans-0.0049%3,434
Credit loss provision to net charge-offs-1,500.0000%3,930
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.8723%3,280
Assets per employee ($millions)7.1699%1,755
Cash dividends to net income (ytd only)*55.4995%985
Condition Ratios (%)
Loss allowance to loans0.9970%3,857
Loan loss allowance to noncurrent loans1,022.8916%786
Noncurrent assets plus other real estate owned to assets0.0535%3,780
Noncurrent loans to loans0.0975%3,595
Net loans and leases to total assets48.9945%3,528
Net loans and leases to deposits54.8084%3,670
Net loans and leases to core deposits55.5568%3,808
Total domestic deposits to total assets89.3923%1,078
Equity capital to assets10.1347%2,775
Core capital (leverage) ratio10.2570%2,264
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$333,909,2502,292
Average earning assets$320,294,5002,253
Average equity$33,324,2502,395
Average total loans$162,114,7502,563
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2565%3,544
Cost of funding earning assets0.4111%1,791
Net interest margin2.8454%3,688
Noninterest income to average assets0.6947%1,830
Noninterest expense to average assets2.2560%2,898
Loan and lease loss provision to assets0.0363%2,265
Net operating income to assets0.9063%3,198
Return on assets (ROA)0.9102%3,268
Pretax return on assets1.1341%3,103
Return on Equity (ROE)9.1691%3,047
Retained earnings to average equity (ytd only)-1.5668%4,646
Net charge-offs to loans-0.0088%3,623
Credit loss provision to net charge-offs-857.1429%3,611
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9356%2,163
Assets per employee ($millions)7.2030%1,660
Cash dividends to net income (ytd only)*117.0878%185
Condition Ratios (%)
Loss allowance to loans1.0106%3,784
Loan loss allowance to noncurrent loans838.6935%846
Noncurrent assets plus other real estate owned to assets0.0641%3,796
Noncurrent loans to loans0.1205%3,588
Net loans and leases to total assets48.2914%3,699
Net loans and leases to deposits53.7475%3,871
Net loans and leases to core deposits54.5814%3,989
Total domestic deposits to total assets89.8486%845
Equity capital to assets9.7084%3,136
Core capital (leverage) ratio9.7601%2,645
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$330,494,0002,305
Average earning assets$316,720,0002,253
Average equity$32,806,0002,414
Average total loans$159,381,3332,601
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2591%3,549
Cost of funding earning assets0.4090%2,019
Net interest margin2.8501%3,637
Noninterest income to average assets0.6947%1,887
Noninterest expense to average assets2.2446%2,959
Loan and lease loss provision to assets0.0368%2,285
Net operating income to assets0.9226%3,072
Return on assets (ROA)0.9226%3,143
Pretax return on assets1.1456%3,002
Return on Equity (ROE)9.1898%2,966
Retained earnings to average equity (ytd only)-12.3019%4,851
Net charge-offs to loans-0.0153%3,868
Credit loss provision to net charge-offs-500.0000%3,167
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4987%2,302
Assets per employee ($millions)7.2338%1,622
Cash dividends to net income (ytd only)*233.8645%79
Condition Ratios (%)
Loss allowance to loans1.0333%3,715
Loan loss allowance to noncurrent loans806.8966%800
Noncurrent assets plus other real estate owned to assets0.0671%3,898
Noncurrent loans to loans0.1281%3,667
Net loans and leases to total assets46.1434%3,948
Net loans and leases to deposits51.0680%4,103
Net loans and leases to core deposits52.0040%4,194
Total domestic deposits to total assets90.3568%641
Equity capital to assets9.2432%3,452
Core capital (leverage) ratio10.1807%2,349
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$326,469,5002,308
Average earning assets$312,973,5002,255
Average equity$32,775,5002,408
Average total loans$156,494,0002,630
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9316%2,930
Cost of funding earning assets0.5255%2,778
Net interest margin3.4061%2,759
Noninterest income to average assets0.7899%1,561
Noninterest expense to average assets2.5443%2,709
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.2165%1,495
Return on assets (ROA)1.2202%1,593
Pretax return on assets1.4929%1,355
Return on Equity (ROE)10.9660%1,638
Retained earnings to average equity (ytd only)10.9660%434
Net charge-offs to loans0.1431%1,127
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)18.5172%2,020
Efficiency ratio63.0928%2,961
Assets per employee ($millions)6.5267%1,902
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.0371%3,730
Loan loss allowance to noncurrent loans759.2417%834
Noncurrent assets plus other real estate owned to assets0.0753%3,960
Noncurrent loans to loans0.1366%3,735
Net loans and leases to total assets48.7947%3,919
Net loans and leases to deposits55.2104%4,055
Net loans and leases to core deposits56.2000%4,143
Total domestic deposits to total assets88.3795%1,288
Equity capital to assets10.9888%2,261
Core capital (leverage) ratio10.8448%1,899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$288,642,4002,349
Average earning assets$274,802,0002,322
Average equity$32,117,6002,384
Average total loans$162,136,6002,552
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0564%2,803
Cost of funding earning assets0.5519%2,915
Net interest margin3.5045%2,577
Noninterest income to average assets0.8118%1,446
Noninterest expense to average assets2.6016%2,523
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.2364%1,529
Return on assets (ROA)1.2413%1,635
Pretax return on assets1.5491%1,332
Return on Equity (ROE)11.1177%1,640
Retained earnings to average equity (ytd only)11.1177%552
Net charge-offs to loans0.2267%674
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)11.7168%2,286
Efficiency ratio62.7719%2,949
Assets per employee ($millions)6.2046%2,079
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9546%3,866
Loan loss allowance to noncurrent loans402.8497%1,270
Noncurrent assets plus other real estate owned to assets0.1352%3,749
Noncurrent loans to loans0.2370%3,456
Net loans and leases to total assets53.0678%3,884
Net loans and leases to deposits60.0942%4,053
Net loans and leases to core deposits61.2025%4,148
Total domestic deposits to total assets88.3078%1,057
Equity capital to assets11.0235%2,383
Core capital (leverage) ratio10.9885%1,897
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$282,482,5002,363
Average earning assets$268,637,2502,339
Average equity$31,540,5002,401
Average total loans$164,054,0002,544
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2678%2,552
Cost of funding earning assets0.5853%3,043
Net interest margin3.6825%2,236
Noninterest income to average assets0.7969%1,447
Noninterest expense to average assets2.6843%2,431
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.2752%1,420
Return on assets (ROA)1.2786%1,531
Pretax return on assets1.6135%1,197
Return on Equity (ROE)11.3980%1,511
Retained earnings to average equity (ytd only)11.3980%550
Net charge-offs to loans0.0073%2,696
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)369.1667%276
Efficiency ratio62.5212%3,042
Assets per employee ($millions)6.0806%2,112
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0959%3,088
Loan loss allowance to noncurrent loans191.0136%2,207
Noncurrent assets plus other real estate owned to assets0.3296%2,988
Noncurrent loans to loans0.5737%2,438
Net loans and leases to total assets55.3716%3,741
Net loans and leases to deposits62.5696%3,972
Net loans and leases to core deposits64.3116%4,057
Total domestic deposits to total assets88.4959%948
Equity capital to assets10.9046%2,419
Core capital (leverage) ratio10.9644%1,991
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$275,302,0002,375
Average earning assets$261,398,6672,355
Average equity$30,882,6672,417
Average total loans$164,440,6672,527
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4787%2,368
Cost of funding earning assets0.6515%3,161
Net interest margin3.8273%1,885
Noninterest income to average assets0.8758%1,118
Noninterest expense to average assets2.7199%2,657
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.4081%958
Return on assets (ROA)1.4153%1,021
Pretax return on assets1.7971%705
Return on Equity (ROE)12.4206%1,005
Retained earnings to average equity (ytd only)12.4206%379
Net charge-offs to loans0.0147%2,078
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)196.6667%351
Efficiency ratio60.3361%3,697
Assets per employee ($millions)5.2670%2,360
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1304%3,044
Loan loss allowance to noncurrent loans191.2134%2,138
Noncurrent assets plus other real estate owned to assets0.3626%2,991
Noncurrent loans to loans0.5912%2,526
Net loans and leases to total assets58.3771%3,641
Net loans and leases to deposits66.1310%3,856
Net loans and leases to core deposits68.4307%3,963
Total domestic deposits to total assets88.2749%986
Equity capital to assets11.1073%2,766
Core capital (leverage) ratio11.7706%1,887
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$263,979,5002,402
Average earning assets$250,517,5002,369
Average equity$30,079,0002,447
Average total loans$163,258,0002,511
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7842%2,090
Cost of funding earning assets0.6825%3,249
Net interest margin4.1017%1,535
Noninterest income to average assets0.8155%1,407
Noninterest expense to average assets2.7975%2,608
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.4649%1,144
Return on assets (ROA)1.4688%1,192
Pretax return on assets1.8710%792
Return on Equity (ROE)14.2722%847
Retained earnings to average equity (ytd only)8.1860%915
Net charge-offs to loans0.0012%3,685
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)2,422.0000%24
Efficiency ratio59.9868%3,696
Assets per employee ($millions)5.0876%2,470
Cash dividends to net income (ytd only)*42.6436%2,454
Condition Ratios (%)
Loss allowance to loans1.1128%2,871
Loan loss allowance to noncurrent loans100.4381%3,289
Noncurrent assets plus other real estate owned to assets0.7324%1,770
Noncurrent loans to loans1.1080%1,360
Net loans and leases to total assets64.0647%3,192
Net loans and leases to deposits73.3533%3,404
Net loans and leases to core deposits77.2867%3,495
Total domestic deposits to total assets87.3372%1,439
Equity capital to assets11.3679%2,647
Core capital (leverage) ratio11.6056%2,035
Tier 1 risk-based capital ratio16.7461%2,139
Total risk-based capital ratio17.7688%2,154
Memoranda:
Average total assets$259,592,2002,396
Average earning assets$243,531,2002,379
Average equity$26,716,2002,580
Average total loans$168,841,4002,419
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7952%2,131
Cost of funding earning assets0.6687%3,359
Net interest margin4.1265%1,557
Noninterest income to average assets0.7620%1,552
Noninterest expense to average assets2.7443%2,730
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.4786%1,248
Return on assets (ROA)1.4790%1,308
Pretax return on assets1.8812%907
Return on Equity (ROE)14.7466%835
Retained earnings to average equity (ytd only)6.4612%2,137
Net charge-offs to loans0.0024%3,355
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)1,226.6350%65
Efficiency ratio59.3370%3,761
Assets per employee ($millions)5.1500%2,394
Cash dividends to net income (ytd only)*56.1853%1,426
Condition Ratios (%)
Loss allowance to loans1.0567%3,242
Loan loss allowance to noncurrent loans175.2390%2,322
Noncurrent assets plus other real estate owned to assets0.4206%2,827
Noncurrent loans to loans0.6030%2,476
Net loans and leases to total assets66.6554%2,967
Net loans and leases to deposits75.7926%3,315
Net loans and leases to core deposits81.4727%3,281
Total domestic deposits to total assets87.9444%1,057
Equity capital to assets10.8117%3,282
Core capital (leverage) ratio11.2644%2,412
Tier 1 risk-based capital ratio15.5812%2,609
Total risk-based capital ratio16.5622%2,640
Memoranda:
Average total assets$260,894,7502,410
Average earning assets$244,237,7502,393
Average equity$26,165,7502,628
Average total loans$169,851,0002,441
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7532%2,211
Cost of funding earning assets0.6429%3,448
Net interest margin4.1102%1,577
Noninterest income to average assets0.7808%1,407
Noninterest expense to average assets2.8272%2,494
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.4099%1,408
Return on assets (ROA)1.4105%1,455
Pretax return on assets1.7899%1,058
Return on Equity (ROE)14.4332%890
Retained earnings to average equity (ytd only)1.7339%4,195
Net charge-offs to loans0.0036%3,033
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)781.3333%98
Efficiency ratio61.2434%3,551
Assets per employee ($millions)5.0362%2,434
Cash dividends to net income (ytd only)*87.9870%662
Condition Ratios (%)
Loss allowance to loans1.0430%3,375
Loan loss allowance to noncurrent loans171.9512%2,400
Noncurrent assets plus other real estate owned to assets0.4212%2,828
Noncurrent loans to loans0.6066%2,443
Net loans and leases to total assets66.4079%3,053
Net loans and leases to deposits75.2275%3,401
Net loans and leases to core deposits79.5331%3,459
Total domestic deposits to total assets88.2761%978
Equity capital to assets10.2061%3,790
Core capital (leverage) ratio10.7776%2,813
Tier 1 risk-based capital ratio14.6448%3,000
Total risk-based capital ratio15.6013%3,061
Memoranda:
Average total assets$262,026,6702,407
Average earning assets$244,511,3302,396
Average equity$25,607,6702,667
Average total loans$168,644,6702,461
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6987%2,233
Cost of funding earning assets0.6517%3,313
Net interest margin4.0470%1,696
Noninterest income to average assets0.7646%1,382
Noninterest expense to average assets2.7944%2,586
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.3552%1,512
Return on assets (ROA)1.3552%1,553
Pretax return on assets1.7230%1,163
Return on Equity (ROE)14.1811%930
Retained earnings to average equity (ytd only)-11.7856%5,152
Net charge-offs to loans0.0097%2,345
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)282.2500%288
Efficiency ratio61.8581%3,554
Assets per employee ($millions)5.0099%2,504
Cash dividends to net income (ytd only)*183.1081%225
Condition Ratios (%)
Loss allowance to loans1.1002%3,127
Loan loss allowance to noncurrent loans167.4589%2,477
Noncurrent assets plus other real estate owned to assets0.4341%2,852
Noncurrent loans to loans0.6570%2,374
Net loans and leases to total assets63.2162%3,380
Net loans and leases to deposits71.1136%3,680
Net loans and leases to core deposits74.4802%3,772
Total domestic deposits to total assets88.8946%912
Equity capital to assets9.5910%4,171
Core capital (leverage) ratio10.4571%3,096
Tier 1 risk-based capital ratio14.5067%3,100
Total risk-based capital ratio15.4872%3,154
Memoranda:
Average total assets$262,098,5002,428
Average earning assets$243,045,0002,427
Average equity$25,047,5002,711
Average total loans$165,095,0002,511
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4411%2,631
Cost of funding earning assets0.5335%3,157
Net interest margin3.9076%2,303
Noninterest income to average assets0.7912%1,482
Noninterest expense to average assets2.8208%2,619
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.2746%1,894
Return on assets (ROA)1.2750%1,891
Pretax return on assets1.6004%1,471
Return on Equity (ROE)13.7979%1,097
Retained earnings to average equity (ytd only)9.1222%817
Net charge-offs to loans0.1255%1,491
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)20.8214%1,974
Efficiency ratio63.8081%3,213
Assets per employee ($millions)5.1703%2,306
Cash dividends to net income (ytd only)*33.8868%2,858
Condition Ratios (%)
Loss allowance to loans1.1218%2,972
Loan loss allowance to noncurrent loans164.9596%2,543
Noncurrent assets plus other real estate owned to assets0.4361%2,818
Noncurrent loans to loans0.6800%2,295
Net loans and leases to total assets61.3748%3,623
Net loans and leases to deposits68.9637%3,906
Net loans and leases to core deposits76.7285%3,666
Total domestic deposits to total assets88.9959%856
Equity capital to assets9.5224%4,110
Core capital (leverage) ratio10.7522%2,787
Tier 1 risk-based capital ratio14.7667%2,935
Total risk-based capital ratio15.7404%2,982
Memoranda:
Average total assets$255,068,4002,439
Average earning assets$236,924,2002,437
Average equity$23,568,8002,769
Average total loans$156,228,4002,563
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3515%2,787
Cost of funding earning assets0.4985%3,211
Net interest margin3.8530%2,465
Noninterest income to average assets0.8055%1,457
Noninterest expense to average assets2.8441%2,480
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.2505%2,042
Return on assets (ROA)1.2505%2,049
Pretax return on assets1.5552%1,718
Return on Equity (ROE)13.6414%1,218
Retained earnings to average equity (ytd only)7.3038%1,971
Net charge-offs to loans0.1727%959
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)14.7500%2,267
Efficiency ratio64.6495%3,081
Assets per employee ($millions)5.0145%2,450
Cash dividends to net income (ytd only)*46.4588%1,744
Condition Ratios (%)
Loss allowance to loans1.1264%3,043
Loan loss allowance to noncurrent loans161.1258%2,623
Noncurrent assets plus other real estate owned to assets0.4591%2,854
Noncurrent loans to loans0.6991%2,328
Net loans and leases to total assets62.8793%3,557
Net loans and leases to deposits70.5034%3,881
Net loans and leases to core deposits76.5139%3,767
Total domestic deposits to total assets89.1862%778
Equity capital to assets9.2415%4,333
Core capital (leverage) ratio10.5934%2,987
Tier 1 risk-based capital ratio14.5760%3,078
Total risk-based capital ratio15.5663%3,127
Memoranda:
Average total assets$252,914,7502,471
Average earning assets$235,895,5002,460
Average equity$23,183,7502,813
Average total loans$154,367,7502,609
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2962%2,771
Cost of funding earning assets0.4662%3,247
Net interest margin3.8300%2,454
Noninterest income to average assets0.8112%1,440
Noninterest expense to average assets2.9019%2,351
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.1890%2,244
Return on assets (ROA)1.1890%2,242
Pretax return on assets1.4700%1,926
Return on Equity (ROE)13.0070%1,369
Retained earnings to average equity (ytd only)3.4384%3,860
Net charge-offs to loans0.2586%620
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)9.4490%2,393
Efficiency ratio66.3762%2,915
Assets per employee ($millions)4.6781%2,843
Cash dividends to net income (ytd only)*73.5648%882
Condition Ratios (%)
Loss allowance to loans1.1814%2,830
Loan loss allowance to noncurrent loans157.3265%2,692
Noncurrent assets plus other real estate owned to assets0.4856%2,814
Noncurrent loans to loans0.7509%2,239
Net loans and leases to total assets61.9401%3,608
Net loans and leases to deposits71.1071%3,775
Net loans and leases to core deposits73.1487%3,933
Total domestic deposits to total assets87.1082%1,799
Equity capital to assets9.2748%4,313
Core capital (leverage) ratio10.3617%3,171
Tier 1 risk-based capital ratio14.9390%2,902
Total risk-based capital ratio15.9902%2,929
Memoranda:
Average total assets$251,973,3302,486
Average earning assets$234,255,3302,480
Average equity$23,033,6702,842
Average total loans$151,610,6702,650
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2380%2,752
Cost of funding earning assets0.4584%3,143
Net interest margin3.7796%2,504
Noninterest income to average assets0.7796%1,520
Noninterest expense to average assets2.8521%2,522
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1497%2,222
Return on assets (ROA)1.1497%2,230
Pretax return on assets1.4205%1,932
Return on Equity (ROE)12.6667%1,361
Retained earnings to average equity (ytd only)-6.4548%5,265
Net charge-offs to loans0.6626%225
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)3.6371%2,368
Efficiency ratio66.7527%3,042
Assets per employee ($millions)5.0591%2,415
Cash dividends to net income (ytd only)*150.9589%307
Condition Ratios (%)
Loss allowance to loans1.1823%2,918
Loan loss allowance to noncurrent loans115.9948%3,180
Noncurrent assets plus other real estate owned to assets0.6666%2,326
Noncurrent loans to loans1.0192%1,797
Net loans and leases to total assets57.7918%3,958
Net loans and leases to deposits64.4527%4,184
Net loans and leases to core deposits65.7330%4,328
Total domestic deposits to total assets89.6654%800
Equity capital to assets8.7115%4,817
Core capital (leverage) ratio10.1475%3,363
Tier 1 risk-based capital ratio14.5508%3,096
Total risk-based capital ratio15.5759%3,130
Memoranda:
Average total assets$253,989,5002,488
Average earning assets$234,731,5002,494
Average equity$23,052,5002,860
Average total loans$149,710,5002,689
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2784%2,401
Cost of funding earning assets0.4480%2,796
Net interest margin3.8305%2,315
Noninterest income to average assets0.8286%1,472
Noninterest expense to average assets2.9226%2,380
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.8960%2,733
Return on assets (ROA)0.8957%2,763
Pretax return on assets1.4588%1,784
Return on Equity (ROE)8.9078%2,354
Retained earnings to average equity (ytd only)-3.9222%5,394
Net charge-offs to loans0.0047%3,919
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)512.7143%170
Efficiency ratio66.6976%3,134
Assets per employee ($millions)4.7163%2,844
Cash dividends to net income (ytd only)*144.0309%153
Condition Ratios (%)
Loss allowance to loans1.3681%1,892
Loan loss allowance to noncurrent loans165.3377%2,623
Noncurrent assets plus other real estate owned to assets0.5645%2,665
Noncurrent loans to loans0.8275%2,151
Net loans and leases to total assets58.6059%3,959
Net loans and leases to deposits66.6963%4,132
Net loans and leases to core deposits68.0113%4,291
Total domestic deposits to total assets87.8698%1,569
Equity capital to assets9.4526%4,268
Core capital (leverage) ratio10.2398%3,140
Tier 1 risk-based capital ratio15.0293%2,843
Total risk-based capital ratio16.2179%2,795
Memoranda:
Average total assets$245,949,2002,518
Average earning assets$228,144,4002,517
Average equity$24,731,0002,692
Average total loans$149,300,0002,661
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2362%2,491
Cost of funding earning assets0.4429%2,779
Net interest margin3.7932%2,430
Noninterest income to average assets0.8372%1,454
Noninterest expense to average assets2.9383%2,287
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.0234%2,453
Return on assets (ROA)1.0250%2,489
Pretax return on assets1.4392%1,971
Return on Equity (ROE)10.0397%2,117
Retained earnings to average equity (ytd only)3.7855%3,669
Net charge-offs to loans0.0268%2,902
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)87.9978%756
Efficiency ratio67.1560%3,024
Assets per employee ($millions)4.9387%2,522
Cash dividends to net income (ytd only)*62.2943%1,252
Condition Ratios (%)
Loss allowance to loans1.3131%2,294
Loan loss allowance to noncurrent loans159.3180%2,662
Noncurrent assets plus other real estate owned to assets0.7565%2,235
Noncurrent loans to loans0.8242%2,308
Net loans and leases to total assets61.1432%3,754
Net loans and leases to deposits69.5824%3,994
Net loans and leases to core deposits71.2498%4,172
Total domestic deposits to total assets87.8717%1,431
Equity capital to assets10.5032%3,374
Core capital (leverage) ratio11.0180%2,442
Tier 1 risk-based capital ratio15.2211%2,827
Total risk-based capital ratio16.3483%2,806
Memoranda:
Average total assets$244,945,7502,547
Average earning assets$228,471,2502,534
Average equity$25,006,7502,696
Average total loans$149,493,7502,678
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2093%2,434
Cost of funding earning assets0.4416%2,678
Net interest margin3.7678%2,420
Noninterest income to average assets0.7983%1,578
Noninterest expense to average assets2.9785%2,174
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9523%2,643
Return on assets (ROA)0.9546%2,695
Pretax return on assets1.3370%2,249
Return on Equity (ROE)9.4424%2,299
Retained earnings to average equity (ytd only)-0.0567%5,087
Net charge-offs to loans0.0202%2,833
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)108.6000%617
Efficiency ratio69.0716%2,837
Assets per employee ($millions)4.5632%3,007
Cash dividends to net income (ytd only)*100.6003%472
Condition Ratios (%)
Loss allowance to loans1.3340%2,256
Loan loss allowance to noncurrent loans151.3837%2,759
Noncurrent assets plus other real estate owned to assets0.8100%2,188
Noncurrent loans to loans0.8812%2,214
Net loans and leases to total assets60.7504%3,765
Net loans and leases to deposits68.9486%3,994
Net loans and leases to core deposits70.1923%4,210
Total domestic deposits to total assets88.1098%1,403
Equity capital to assets10.2385%3,632
Core capital (leverage) ratio10.7513%2,652
Tier 1 risk-based capital ratio14.8964%2,973
Total risk-based capital ratio16.0379%2,953
Memoranda:
Average total assets$244,282,6702,559
Average earning assets$227,826,3302,550
Average equity$24,697,0002,722
Average total loans$148,327,3302,697
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1951%2,293
Cost of funding earning assets0.4385%2,632
Net interest margin3.7566%2,274
Noninterest income to average assets0.8256%1,467
Noninterest expense to average assets2.9702%2,242
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9654%2,457
Return on assets (ROA)0.9654%2,511
Pretax return on assets1.3634%2,018
Return on Equity (ROE)9.6107%2,133
Retained earnings to average equity (ytd only)-9.5944%5,569
Net charge-offs to loans-0.0164%4,632
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5389%3,119
Assets per employee ($millions)4.5767%3,047
Cash dividends to net income (ytd only)*199.8296%240
Condition Ratios (%)
Loss allowance to loans1.4143%2,023
Loan loss allowance to noncurrent loans155.8689%2,747
Noncurrent assets plus other real estate owned to assets0.8056%2,288
Noncurrent loans to loans0.9074%2,221
Net loans and leases to total assets57.6781%4,003
Net loans and leases to deposits65.1958%4,235
Net loans and leases to core deposits66.7403%4,381
Total domestic deposits to total assets88.4691%1,444
Equity capital to assets9.8109%3,966
Core capital (leverage) ratio10.7142%2,679
Tier 1 risk-based capital ratio15.3772%2,806
Total risk-based capital ratio16.5945%2,747
Memoranda:
Average total assets$243,217,5002,586
Average earning assets$227,122,0002,582
Average equity$24,431,0002,756
Average total loans$146,630,5002,737
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2784%2,217
Cost of funding earning assets0.4310%2,696
Net interest margin3.8474%2,149
Noninterest income to average assets0.8513%1,572
Noninterest expense to average assets3.0488%2,185
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.9825%2,427
Return on assets (ROA)0.9834%2,523
Pretax return on assets1.4049%1,923
Return on Equity (ROE)9.4622%2,204
Retained earnings to average equity (ytd only)5.3949%2,080
Net charge-offs to loans0.1209%2,048
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)19.1257%1,926
Efficiency ratio68.4751%3,164
Assets per employee ($millions)4.4275%3,225
Cash dividends to net income (ytd only)*42.9851%2,710
Condition Ratios (%)
Loss allowance to loans1.3715%2,216
Loan loss allowance to noncurrent loans147.8608%2,831
Noncurrent assets plus other real estate owned to assets0.8382%2,252
Noncurrent loans to loans0.9276%2,238
Net loans and leases to total assets61.3292%3,681
Net loans and leases to deposits70.2051%3,883
Net loans and leases to core deposits71.9447%4,087
Total domestic deposits to total assets87.3572%1,951
Equity capital to assets10.4147%3,254
Core capital (leverage) ratio10.9466%2,390
Tier 1 risk-based capital ratio15.4762%2,756
Total risk-based capital ratio16.6707%2,717
Memoranda:
Average total assets$238,454,4002,593
Average earning assets$223,189,0002,567
Average equity$24,782,8002,741
Average total loans$144,745,4002,716
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2576%2,307
Cost of funding earning assets0.4288%2,747
Net interest margin3.8288%2,232
Noninterest income to average assets0.8723%1,505
Noninterest expense to average assets3.0728%2,090
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.9724%2,559
Return on assets (ROA)0.9736%2,683
Pretax return on assets1.3882%2,075
Return on Equity (ROE)9.3722%2,321
Retained earnings to average equity (ytd only)3.9428%3,497
Net charge-offs to loans0.0872%2,092
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)26.3618%1,601
Efficiency ratio68.9084%3,057
Assets per employee ($millions)4.4484%3,165
Cash dividends to net income (ytd only)*57.9312%1,511
Condition Ratios (%)
Loss allowance to loans1.4564%1,949
Loan loss allowance to noncurrent loans142.4731%2,900
Noncurrent assets plus other real estate owned to assets0.8909%2,330
Noncurrent loans to loans1.0222%2,199
Net loans and leases to total assets59.7170%3,914
Net loans and leases to deposits67.9681%4,156
Net loans and leases to core deposits69.6370%4,349
Total domestic deposits to total assets87.8604%1,472
Equity capital to assets10.6247%3,432
Core capital (leverage) ratio10.8506%2,624
Tier 1 risk-based capital ratio15.4334%2,860
Total risk-based capital ratio16.6836%2,790
Memoranda:
Average total assets$238,296,7502,603
Average earning assets$223,248,5002,571
Average equity$24,753,5002,765
Average total loans$143,764,7502,725
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2686%2,261
Cost of funding earning assets0.4302%2,735
Net interest margin3.8384%2,178
Noninterest income to average assets0.8794%1,440
Noninterest expense to average assets3.1213%2,004
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.9484%2,631
Return on assets (ROA)0.9484%2,774
Pretax return on assets1.3549%2,190
Return on Equity (ROE)9.2010%2,406
Retained earnings to average equity (ytd only)0.9715%5,000
Net charge-offs to loans0.1956%1,171
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)11.5000%2,253
Efficiency ratio69.7312%3,025
Assets per employee ($millions)4.2804%3,403
Cash dividends to net income (ytd only)*89.4410%696
Condition Ratios (%)
Loss allowance to loans1.4408%2,101
Loan loss allowance to noncurrent loans136.5372%3,068
Noncurrent assets plus other real estate owned to assets0.8861%2,383
Noncurrent loans to loans1.0553%2,178
Net loans and leases to total assets59.1858%3,989
Net loans and leases to deposits67.1557%4,252
Net loans and leases to core deposits68.7014%4,422
Total domestic deposits to total assets88.1323%1,363
Equity capital to assets10.4201%3,715
Core capital (leverage) ratio10.4430%3,027
Tier 1 risk-based capital ratio15.4396%2,884
Total risk-based capital ratio16.6902%2,818
Memoranda:
Average total assets$237,658,0002,620
Average earning assets$222,697,6702,588
Average equity$24,497,3302,791
Average total loans$143,163,6702,734
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2893%2,165
Cost of funding earning assets0.4275%2,789
Net interest margin3.8618%2,061
Noninterest income to average assets0.9314%1,228
Noninterest expense to average assets3.1982%1,840
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.9500%2,511
Return on assets (ROA)0.9500%2,628
Pretax return on assets1.3523%2,083
Return on Equity (ROE)9.2672%2,299
Retained earnings to average equity (ytd only)-7.3544%5,732
Net charge-offs to loans-0.0056%4,323
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2823%3,069
Assets per employee ($millions)4.3538%3,315
Cash dividends to net income (ytd only)*179.3594%299
Condition Ratios (%)
Loss allowance to loans1.5833%1,659
Loan loss allowance to noncurrent loans119.3323%3,238
Noncurrent assets plus other real estate owned to assets0.9643%2,299
Noncurrent loans to loans1.3268%1,800
Net loans and leases to total assets56.4972%4,197
Net loans and leases to deposits63.7390%4,458
Net loans and leases to core deposits64.9064%4,629
Total domestic deposits to total assets88.6384%1,287
Equity capital to assets9.8933%4,220
Core capital (leverage) ratio10.4651%3,007
Tier 1 risk-based capital ratio15.5237%2,900
Total risk-based capital ratio16.7754%2,836
Memoranda:
Average total assets$236,636,5002,637
Average earning assets$221,761,5002,605
Average equity$24,257,5002,811
Average total loans$142,774,0002,740
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4762%1,674
Cost of funding earning assets0.4621%2,517
Net interest margin4.0141%1,672
Noninterest income to average assets0.8663%1,543
Noninterest expense to average assets3.2152%1,930
Loan and lease loss provision to assets0.1109%2,143
Net operating income to assets0.8879%2,941
Return on assets (ROA)0.8879%3,020
Pretax return on assets1.2722%2,388
Return on Equity (ROE)8.5833%2,680
Retained earnings to average equity (ytd only)3.2852%3,710
Net charge-offs to loans-0.1548%5,904
Credit loss provision to net charge-offs-112.0000%5,169
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9215%3,237
Assets per employee ($millions)4.0959%3,765
Cash dividends to net income (ytd only)*61.7253%1,652
Condition Ratios (%)
Loss allowance to loans1.5208%1,898
Loan loss allowance to noncurrent loans109.6582%3,472
Noncurrent assets plus other real estate owned to assets1.1518%1,890
Noncurrent loans to loans1.3868%1,692
Net loans and leases to total assets62.5056%3,486
Net loans and leases to deposits71.1833%3,801
Net loans and leases to core deposits72.6908%4,072
Total domestic deposits to total assets87.8094%1,742
Equity capital to assets10.5924%3,260
Core capital (leverage) ratio10.8884%2,505
Tier 1 risk-based capital ratio15.9477%2,711
Total risk-based capital ratio17.1995%2,646
Memoranda:
Average total assets$227,168,0002,687
Average earning assets$211,204,6002,664
Average equity$23,499,2002,833
Average total loans$145,392,0002,662
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4694%1,694
Cost of funding earning assets0.4658%2,526
Net interest margin4.0036%1,687
Noninterest income to average assets0.8490%1,625
Noninterest expense to average assets3.2630%1,795
Loan and lease loss provision to assets0.1306%1,725
Net operating income to assets0.8231%3,316
Return on assets (ROA)0.8231%3,401
Pretax return on assets1.1720%2,920
Return on Equity (ROE)8.0055%3,062
Retained earnings to average equity (ytd only)0.8812%5,354
Net charge-offs to loans-0.1761%5,962
Credit loss provision to net charge-offs-115.6250%5,076
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4691%2,968
Assets per employee ($millions)4.2159%3,488
Cash dividends to net income (ytd only)*88.9921%547
Condition Ratios (%)
Loss allowance to loans1.4557%2,346
Loan loss allowance to noncurrent loans102.4774%3,626
Noncurrent assets plus other real estate owned to assets1.1886%1,989
Noncurrent loans to loans1.4205%1,783
Net loans and leases to total assets63.9622%3,315
Net loans and leases to deposits72.6785%3,683
Net loans and leases to core deposits74.2294%3,994
Total domestic deposits to total assets88.0070%1,547
Equity capital to assets10.4033%3,704
Core capital (leverage) ratio10.7558%2,765
Tier 1 risk-based capital ratio15.4973%3,051
Total risk-based capital ratio16.7487%2,975
Memoranda:
Average total assets$226,616,7502,715
Average earning assets$210,374,2502,696
Average equity$23,300,0002,878
Average total loans$145,343,7502,673
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4293%1,752
Cost of funding earning assets0.4679%2,535
Net interest margin3.9615%1,775
Noninterest income to average assets0.8043%1,760
Noninterest expense to average assets3.2165%1,934
Loan and lease loss provision to assets0.1697%1,230
Net operating income to assets0.7549%3,623
Return on assets (ROA)0.7549%3,721
Pretax return on assets1.0854%3,236
Return on Equity (ROE)7.3710%3,391
Retained earnings to average equity (ytd only)-3.3748%5,944
Net charge-offs to loans0.0470%2,759
Credit loss provision to net charge-offs564.7059%576
Earnings coverage of net charge-offs (x)41.7647%1,100
Efficiency ratio71.9312%3,007
Assets per employee ($millions)4.0812%3,721
Cash dividends to net income (ytd only)*145.7845%205
Condition Ratios (%)
Loss allowance to loans1.2953%3,268
Loan loss allowance to noncurrent loans138.7262%2,976
Noncurrent assets plus other real estate owned to assets0.8162%2,937
Noncurrent loans to loans0.9337%2,799
Net loans and leases to total assets64.3334%3,220
Net loans and leases to deposits72.8904%3,630
Net loans and leases to core deposits74.3468%3,930
Total domestic deposits to total assets88.2605%1,512
Equity capital to assets10.2510%3,746
Core capital (leverage) ratio10.5038%2,947
Tier 1 risk-based capital ratio15.2543%3,222
Total risk-based capital ratio16.4637%3,178
Memoranda:
Average total assets$226,269,6702,734
Average earning assets$209,467,3302,716
Average equity$23,172,0002,901
Average total loans$144,536,3302,691
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4216%1,687
Cost of funding earning assets0.4670%2,589
Net interest margin3.9545%1,706
Noninterest income to average assets0.8927%1,407
Noninterest expense to average assets3.2856%1,753
Loan and lease loss provision to assets0.0528%2,888
Net operating income to assets0.8364%3,074
Return on assets (ROA)0.8364%3,202
Pretax return on assets1.1920%2,703
Return on Equity (ROE)8.1710%2,871
Retained earnings to average equity (ytd only)-13.2456%6,203
Net charge-offs to loans0.0752%1,956
Credit loss provision to net charge-offs111.1111%1,503
Earnings coverage of net charge-offs (x)26.1852%1,247
Efficiency ratio72.5223%3,085
Assets per employee ($millions)4.1940%3,575
Cash dividends to net income (ytd only)*262.1053%152
Condition Ratios (%)
Loss allowance to loans1.2102%3,917
Loan loss allowance to noncurrent loans132.5209%3,046
Noncurrent assets plus other real estate owned to assets0.8703%2,902
Noncurrent loans to loans0.9133%2,957
Net loans and leases to total assets60.4744%3,583
Net loans and leases to deposits68.0817%3,947
Net loans and leases to core deposits69.8049%4,172
Total domestic deposits to total assets88.8263%1,377
Equity capital to assets9.7508%4,432
Core capital (leverage) ratio10.4402%3,043
Tier 1 risk-based capital ratio15.6007%3,104
Total risk-based capital ratio16.7548%3,084
Memoranda:
Average total assets$227,172,0002,743
Average earning assets$208,975,0002,740
Average equity$23,253,0002,906
Average total loans$143,654,0002,710
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7017%1,305
Cost of funding earning assets0.4877%2,800
Net interest margin4.2141%1,260
Noninterest income to average assets0.8938%1,517
Noninterest expense to average assets3.2085%2,189
Loan and lease loss provision to assets0.0338%3,915
Net operating income to assets1.0887%2,020
Return on assets (ROA)1.1211%1,958
Pretax return on assets1.6103%1,209
Return on Equity (ROE)10.9445%1,736
Retained earnings to average equity (ytd only)5.3646%2,358
Net charge-offs to loans0.3060%1,444
Credit loss provision to net charge-offs17.0068%4,012
Earnings coverage of net charge-offs (x)8.0499%2,933
Efficiency ratio66.7572%4,099
Assets per employee ($millions)3.9885%3,982
Cash dividends to net income (ytd only)*50.9835%2,219
Condition Ratios (%)
Loss allowance to loans1.2101%3,936
Loan loss allowance to noncurrent loans123.5420%3,239
Noncurrent assets plus other real estate owned to assets0.9637%2,831
Noncurrent loans to loans0.9795%2,878
Net loans and leases to total assets64.6398%3,117
Net loans and leases to deposits73.6668%3,476
Net loans and leases to core deposits75.6879%3,741
Total domestic deposits to total assets87.7462%1,898
Equity capital to assets11.0198%2,876
Core capital (leverage) ratio10.9797%2,429
Tier 1 risk-based capital ratio16.5666%2,688
Total risk-based capital ratio17.7512%2,664
Memoranda:
Average total assets$222,189,0002,758
Average earning assets$206,285,0002,739
Average equity$22,760,2002,873
Average total loans$144,130,8002,650
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6557%1,419
Cost of funding earning assets0.4840%2,912
Net interest margin4.1716%1,373
Noninterest income to average assets0.8817%1,584
Noninterest expense to average assets3.2188%2,125
Loan and lease loss provision to assets0.0449%3,495
Net operating income to assets1.0556%2,210
Return on assets (ROA)1.0965%2,117
Pretax return on assets1.5798%1,392
Return on Equity (ROE)10.9072%1,822
Retained earnings to average equity (ytd only)3.3501%4,229
Net charge-offs to loans0.0878%2,955
Credit loss provision to net charge-offs78.9474%2,616
Earnings coverage of net charge-offs (x)27.5482%1,446
Efficiency ratio67.2793%3,993
Assets per employee ($millions)4.2101%3,461
Cash dividends to net income (ytd only)*69.2853%1,047
Condition Ratios (%)
Loss allowance to loans1.3884%3,231
Loan loss allowance to noncurrent loans288.5042%1,580
Noncurrent assets plus other real estate owned to assets0.6290%3,944
Noncurrent loans to loans0.4812%4,465
Net loans and leases to total assets65.0754%3,012
Net loans and leases to deposits73.4856%3,497
Net loans and leases to core deposits75.4124%3,815
Total domestic deposits to total assets88.5554%1,474
Equity capital to assets10.2363%3,878
Core capital (leverage) ratio10.6123%2,911
Tier 1 risk-based capital ratio15.8800%3,112
Total risk-based capital ratio17.1317%3,059
Memoranda:
Average total assets$222,894,2502,775
Average earning assets$208,514,5002,740
Average equity$22,406,7502,915
Average total loans$144,279,5002,665
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6809%1,326
Cost of funding earning assets0.4907%2,921
Net interest margin4.1902%1,271
Noninterest income to average assets0.8825%1,550
Noninterest expense to average assets3.2681%1,999
Loan and lease loss provision to assets0.0677%2,909
Net operating income to assets1.0265%2,219
Return on assets (ROA)1.0885%2,035
Pretax return on assets1.5537%1,386
Return on Equity (ROE)10.8959%1,775
Retained earnings to average equity (ytd only)-0.5877%5,794
Net charge-offs to loans0.1503%2,185
Credit loss provision to net charge-offs70.0935%2,475
Earnings coverage of net charge-offs (x)15.8598%1,826
Efficiency ratio68.0715%3,995
Assets per employee ($millions)3.9211%4,015
Cash dividends to net income (ytd only)*105.3942%467
Condition Ratios (%)
Loss allowance to loans1.4261%3,215
Loan loss allowance to noncurrent loans521.6625%885
Noncurrent assets plus other real estate owned to assets0.5032%4,496
Noncurrent loans to loans0.2734%5,197
Net loans and leases to total assets65.1937%2,882
Net loans and leases to deposits73.5979%3,374
Net loans and leases to core deposits75.4903%3,677
Total domestic deposits to total assets88.5810%1,593
Equity capital to assets10.2614%3,747
Core capital (leverage) ratio10.2779%3,233
Tier 1 risk-based capital ratio15.7576%3,221
Total risk-based capital ratio17.0096%3,155
Memoranda:
Average total assets$221,410,0002,799
Average earning assets$207,054,3302,764
Average equity$22,118,3302,934
Average total loans$142,362,6702,696
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6315%1,419
Cost of funding earning assets0.4924%2,986
Net interest margin4.1391%1,366
Noninterest income to average assets0.8384%1,607
Noninterest expense to average assets3.3213%1,899
Loan and lease loss provision to assets0.1349%1,797
Net operating income to assets0.8850%2,719
Return on assets (ROA)0.9464%2,494
Pretax return on assets1.3404%1,952
Return on Equity (ROE)9.6023%2,200
Retained earnings to average equity (ytd only)-13.5819%6,445
Net charge-offs to loans0.1334%1,910
Credit loss provision to net charge-offs159.5745%1,200
Earnings coverage of net charge-offs (x)16.4255%1,509
Efficiency ratio70.5118%3,742
Assets per employee ($millions)4.1554%3,617
Cash dividends to net income (ytd only)*241.4449%182
Condition Ratios (%)
Loss allowance to loans1.5049%3,127
Loan loss allowance to noncurrent loans427.9116%1,090
Noncurrent assets plus other real estate owned to assets0.6988%4,014
Noncurrent loans to loans0.3517%5,062
Net loans and leases to total assets61.0264%3,393
Net loans and leases to deposits68.2448%3,835
Net loans and leases to core deposits69.8148%4,115
Total domestic deposits to total assets89.4227%1,411
Equity capital to assets9.4554%4,555
Core capital (leverage) ratio10.0414%3,509
Tier 1 risk-based capital ratio15.4852%3,441
Total risk-based capital ratio16.7378%3,405
Memoranda:
Average total assets$222,324,5002,804
Average earning assets$207,968,5002,768
Average equity$21,911,5002,950
Average total loans$140,932,0002,724
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8123%1,286
Cost of funding earning assets0.5390%3,204
Net interest margin4.2733%1,167
Noninterest income to average assets0.7992%2,084
Noninterest expense to average assets3.2192%2,357
Loan and lease loss provision to assets0.0226%4,676
Net operating income to assets1.0721%2,027
Return on assets (ROA)1.1473%1,833
Pretax return on assets1.6349%1,092
Return on Equity (ROE)12.0475%1,406
Retained earnings to average equity (ytd only)7.9984%1,059
Net charge-offs to loans0.0624%4,340
Credit loss provision to net charge-offs58.1395%3,619
Earnings coverage of net charge-offs (x)39.9186%955
Efficiency ratio67.4998%4,289
Assets per employee ($millions)3.9291%4,002
Cash dividends to net income (ytd only)*33.6088%3,117
Condition Ratios (%)
Loss allowance to loans1.4994%3,199
Loan loss allowance to noncurrent loans160.4119%2,527
Noncurrent assets plus other real estate owned to assets1.0898%3,230
Noncurrent loans to loans0.9347%3,653
Net loans and leases to total assets63.9309%3,054
Net loans and leases to deposits72.2275%3,493
Net loans and leases to core deposits74.5612%3,778
Total domestic deposits to total assets88.5133%1,903
Equity capital to assets10.2789%3,411
Core capital (leverage) ratio10.3524%3,087
Tier 1 risk-based capital ratio16.1546%3,028
Total risk-based capital ratio17.4072%2,984
Memoranda:
Average total assets$221,481,2002,799
Average earning assets$205,765,8002,770
Average equity$21,091,6003,025
Average total loans$137,839,0002,737
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7860%1,385
Cost of funding earning assets0.5450%3,319
Net interest margin4.2410%1,220
Noninterest income to average assets0.7785%2,250
Noninterest expense to average assets3.2060%2,351
Loan and lease loss provision to assets0.0299%4,410
Net operating income to assets1.0435%2,210
Return on assets (ROA)1.0435%2,290
Pretax return on assets1.4774%1,677
Return on Equity (ROE)11.1732%1,764
Retained earnings to average equity (ytd only)5.7019%2,597
Net charge-offs to loans0.0534%4,141
Credit loss provision to net charge-offs90.9091%2,617
Earnings coverage of net charge-offs (x)45.8009%917
Efficiency ratio68.0208%4,098
Assets per employee ($millions)3.9418%3,958
Cash dividends to net income (ytd only)*48.9679%1,922
Condition Ratios (%)
Loss allowance to loans1.4869%3,512
Loan loss allowance to noncurrent loans381.7531%1,124
Noncurrent assets plus other real estate owned to assets0.7434%4,247
Noncurrent loans to loans0.3895%5,223
Net loans and leases to total assets64.0490%2,997
Net loans and leases to deposits71.9741%3,518
Net loans and leases to core deposits74.2316%3,812
Total domestic deposits to total assets88.9890%1,557
Equity capital to assets9.3014%4,805
Core capital (leverage) ratio10.1392%3,475
Tier 1 risk-based capital ratio15.4218%3,510
Total risk-based capital ratio16.6750%3,463
Memoranda:
Average total assets$222,826,0002,802
Average earning assets$206,738,7502,777
Average equity$20,811,2503,095
Average total loans$137,234,0002,755
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7635%1,416
Cost of funding earning assets0.5550%3,361
Net interest margin4.2085%1,258
Noninterest income to average assets0.7972%2,196
Noninterest expense to average assets3.1881%2,388
Loan and lease loss provision to assets0.0447%4,072
Net operating income to assets1.0236%2,222
Return on assets (ROA)1.0236%2,349
Pretax return on assets1.4656%1,722
Return on Equity (ROE)10.9451%1,830
Retained earnings to average equity (ytd only)2.7745%4,546
Net charge-offs to loans-0.3211%6,771
Credit loss provision to net charge-offs-23.0415%5,481
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8537%4,206
Assets per employee ($millions)3.9707%3,870
Cash dividends to net income (ytd only)*74.6503%1,049
Condition Ratios (%)
Loss allowance to loans1.7267%2,683
Loan loss allowance to noncurrent loans253.5300%1,624
Noncurrent assets plus other real estate owned to assets1.2070%3,332
Noncurrent loans to loans0.6811%4,573
Net loans and leases to total assets61.5832%3,373
Net loans and leases to deposits69.1353%3,838
Net loans and leases to core deposits71.2846%4,138
Total domestic deposits to total assets89.0763%1,587
Equity capital to assets9.3101%4,841
Core capital (leverage) ratio9.6556%4,004
Tier 1 risk-based capital ratio15.0935%3,714
Total risk-based capital ratio16.3490%3,675
Memoranda:
Average total assets$223,520,6702,810
Average earning assets$207,201,3302,781
Average equity$20,904,3303,099
Average total loans$135,139,6702,784
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6644%1,635
Cost of funding earning assets0.5626%3,458
Net interest margin4.1018%1,457
Noninterest income to average assets0.8782%1,835
Noninterest expense to average assets3.1861%2,394
Loan and lease loss provision to assets0.0892%3,174
Net operating income to assets0.9906%2,266
Return on assets (ROA)0.9906%2,387
Pretax return on assets1.4029%1,844
Return on Equity (ROE)10.5687%1,850
Retained earnings to average equity (ytd only)-5.6937%6,406
Net charge-offs to loans-0.6825%6,891
Credit loss provision to net charge-offs-22.0264%4,990
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1038%4,289
Assets per employee ($millions)4.1801%3,574
Cash dividends to net income (ytd only)*153.8739%335
Condition Ratios (%)
Loss allowance to loans1.7633%2,760
Loan loss allowance to noncurrent loans201.3333%1,895
Noncurrent assets plus other real estate owned to assets1.4067%3,163
Noncurrent loans to loans0.8758%4,382
Net loans and leases to total assets58.5464%3,689
Net loans and leases to deposits65.5052%4,122
Net loans and leases to core deposits67.7959%4,327
Total domestic deposits to total assets89.3768%1,437
Equity capital to assets9.0708%5,402
Core capital (leverage) ratio9.5580%3,988
Tier 1 risk-based capital ratio14.9359%3,886
Total risk-based capital ratio16.1918%3,846
Memoranda:
Average total assets$224,100,5002,832
Average earning assets$207,616,0002,815
Average equity$21,005,5003,129
Average total loans$133,038,0002,838
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8757%1,925
Cost of funding earning assets0.7272%3,276
Net interest margin4.1486%1,826
Noninterest income to average assets0.7133%2,651
Noninterest expense to average assets3.1326%2,835
Loan and lease loss provision to assets0.4297%1,487
Net operating income to assets0.7220%3,634
Return on assets (ROA)0.7725%3,657
Pretax return on assets1.0597%3,325
Return on Equity (ROE)8.3942%2,919
Retained earnings to average equity (ytd only)5.9762%2,090
Net charge-offs to loans0.5981%1,940
Credit loss provision to net charge-offs124.8357%2,272
Earnings coverage of net charge-offs (x)4.1261%3,473
Efficiency ratio68.8059%4,001
Assets per employee ($millions)3.9691%4,012
Cash dividends to net income (ytd only)*28.8056%3,432
Condition Ratios (%)
Loss allowance to loans1.6574%3,092
Loan loss allowance to noncurrent loans180.0505%2,007
Noncurrent assets plus other real estate owned to assets1.4760%3,170
Noncurrent loans to loans0.9205%4,346
Net loans and leases to total assets58.1412%3,957
Net loans and leases to deposits65.5750%4,350
Net loans and leases to core deposits68.0097%4,530
Total domestic deposits to total assets88.6637%1,796
Equity capital to assets9.6918%4,599
Core capital (leverage) ratio9.7487%3,726
Tier 1 risk-based capital ratio15.6503%3,348
Total risk-based capital ratio16.9042%3,302
Memoranda:
Average total assets$221,092,0002,832
Average earning assets$204,625,4002,807
Average equity$20,347,4003,158
Average total loans$127,230,8002,930
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8642%2,139
Cost of funding earning assets0.7546%3,316
Net interest margin4.1096%2,057
Noninterest income to average assets0.6781%2,822
Noninterest expense to average assets3.1158%2,844
Loan and lease loss provision to assets0.5711%1,007
Net operating income to assets0.5867%4,451
Return on assets (ROA)0.5867%4,724
Pretax return on assets0.7989%4,487
Return on Equity (ROE)6.4597%4,089
Retained earnings to average equity (ytd only)3.2034%4,614
Net charge-offs to loans0.7036%1,570
Credit loss provision to net charge-offs142.0030%2,034
Earnings coverage of net charge-offs (x)3.4066%3,657
Efficiency ratio69.4586%3,796
Assets per employee ($millions)4.1456%3,587
Cash dividends to net income (ytd only)*50.4096%1,675
Condition Ratios (%)
Loss allowance to loans1.7288%3,044
Loan loss allowance to noncurrent loans83.7462%3,717
Noncurrent assets plus other real estate owned to assets1.5621%3,250
Noncurrent loans to loans2.0643%2,778
Net loans and leases to total assets56.6502%4,355
Net loans and leases to deposits63.5603%4,771
Net loans and leases to core deposits65.5573%4,996
Total domestic deposits to total assets89.1283%1,354
Equity capital to assets9.2971%5,470
Core capital (leverage) ratio9.4177%4,398
Tier 1 risk-based capital ratio15.2110%3,700
Total risk-based capital ratio16.4659%3,645
Memoranda:
Average total assets$221,790,5002,844
Average earning assets$205,497,2502,814
Average equity$20,145,0003,216
Average total loans$126,773,5002,975
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9134%2,052
Cost of funding earning assets0.7815%3,349
Net interest margin4.1319%1,960
Noninterest income to average assets0.5880%3,335
Noninterest expense to average assets3.1316%2,814
Loan and lease loss provision to assets0.7237%733
Net operating income to assets0.3899%5,246
Return on assets (ROA)0.3899%5,489
Pretax return on assets0.5491%5,315
Return on Equity (ROE)4.3268%5,122
Retained earnings to average equity (ytd only)-0.6124%6,149
Net charge-offs to loans1.0554%1,040
Credit loss provision to net charge-offs120.3008%2,283
Earnings coverage of net charge-offs (x)2.1158%3,929
Efficiency ratio71.1029%3,583
Assets per employee ($millions)4.0901%3,683
Cash dividends to net income (ytd only)*114.1531%312
Condition Ratios (%)
Loss allowance to loans1.6490%3,431
Loan loss allowance to noncurrent loans76.7391%3,925
Noncurrent assets plus other real estate owned to assets1.6947%3,180
Noncurrent loans to loans2.1488%2,765
Net loans and leases to total assets56.3050%4,417
Net loans and leases to deposits62.9898%4,881
Net loans and leases to core deposits64.9893%5,110
Total domestic deposits to total assets89.3875%1,284
Equity capital to assets9.1324%5,548
Core capital (leverage) ratio8.9858%4,938
Tier 1 risk-based capital ratio14.7276%3,950
Total risk-based capital ratio15.9811%3,907
Memoranda:
Average total assets$221,099,0002,855
Average earning assets$204,215,3302,830
Average equity$19,922,3303,229
Average total loans$126,014,3303,006
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9272%2,149
Cost of funding earning assets0.8048%3,439
Net interest margin4.1224%2,019
Noninterest income to average assets0.6907%2,707
Noninterest expense to average assets3.1987%2,605
Loan and lease loss provision to assets0.9041%483
Net operating income to assets0.2821%5,715
Return on assets (ROA)0.2821%5,878
Pretax return on assets0.3761%5,796
Return on Equity (ROE)3.1518%5,655
Retained earnings to average equity (ytd only)-6.7884%6,711
Net charge-offs to loans2.0858%437
Credit loss provision to net charge-offs76.2195%2,800
Earnings coverage of net charge-offs (x)1.0793%3,792
Efficiency ratio71.4170%3,551
Assets per employee ($millions)4.0938%3,816
Cash dividends to net income (ytd only)*315.3846%65
Condition Ratios (%)
Loss allowance to loans1.4383%4,431
Loan loss allowance to noncurrent loans65.7625%4,225
Noncurrent assets plus other real estate owned to assets2.0475%2,828
Noncurrent loans to loans2.1871%2,928
Net loans and leases to total assets53.6262%4,784
Net loans and leases to deposits59.6184%5,197
Net loans and leases to core deposits61.5987%5,369
Total domestic deposits to total assets89.9490%1,115
Equity capital to assets8.5352%6,055
Core capital (leverage) ratio9.0174%4,813
Tier 1 risk-based capital ratio14.7324%3,937
Total risk-based capital ratio15.9833%3,892
Memoranda:
Average total assets$221,217,0002,877
Average earning assets$203,280,5002,858
Average equity$19,798,5003,250
Average total loans$125,800,5003,030
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0018%2,872
Cost of funding earning assets1.0248%3,202
Net interest margin3.9770%2,997
Noninterest income to average assets0.5753%3,332
Noninterest expense to average assets2.9848%3,644
Loan and lease loss provision to assets0.8981%1,069
Net operating income to assets0.3435%5,096
Return on assets (ROA)0.3435%5,251
Pretax return on assets0.3646%5,389
Return on Equity (ROE)3.8018%4,947
Retained earnings to average equity (ytd only)0.2281%5,722
Net charge-offs to loans1.1998%1,402
Credit loss provision to net charge-offs130.7333%2,336
Earnings coverage of net charge-offs (x)1.8380%4,395
Efficiency ratio70.2717%3,892
Assets per employee ($millions)3.8069%4,306
Cash dividends to net income (ytd only)*94.0000%444
Condition Ratios (%)
Loss allowance to loans1.5370%3,841
Loan loss allowance to noncurrent loans63.1477%4,347
Noncurrent assets plus other real estate owned to assets2.3238%2,602
Noncurrent loans to loans2.4340%2,697
Net loans and leases to total assets58.5968%4,266
Net loans and leases to deposits65.9297%4,744
Net loans and leases to core deposits68.1103%5,015
Total domestic deposits to total assets88.8777%1,617
Equity capital to assets9.3956%5,024
Core capital (leverage) ratio9.0615%4,681
Tier 1 risk-based capital ratio14.7704%3,782
Total risk-based capital ratio16.0228%3,755
Memoranda:
Average total assets$218,339,2002,858
Average earning assets$201,607,2002,833
Average equity$19,727,4003,186
Average total loans$125,023,0003,080
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9324%3,415
Cost of funding earning assets1.0596%3,249
Net interest margin3.8729%3,510
Noninterest income to average assets0.6714%2,763
Noninterest expense to average assets3.0317%3,432
Loan and lease loss provision to assets0.7922%1,180
Net operating income to assets0.3418%5,246
Return on assets (ROA)0.3418%5,418
Pretax return on assets0.4377%5,349
Return on Equity (ROE)3.8198%5,066
Retained earnings to average equity (ytd only)-0.9634%6,148
Net charge-offs to loans0.6058%2,433
Credit loss provision to net charge-offs230.5654%1,237
Earnings coverage of net charge-offs (x)3.5795%3,386
Efficiency ratio71.1396%3,710
Assets per employee ($millions)4.1402%3,564
Cash dividends to net income (ytd only)*125.2221%165
Condition Ratios (%)
Loss allowance to loans1.7353%3,151
Loan loss allowance to noncurrent loans75.6280%3,732
Noncurrent assets plus other real estate owned to assets2.5311%2,542
Noncurrent loans to loans2.2945%3,003
Net loans and leases to total assets57.4977%4,586
Net loans and leases to deposits64.3012%5,128
Net loans and leases to core deposits66.4595%5,367
Total domestic deposits to total assets89.4193%1,181
Equity capital to assets9.1515%5,585
Core capital (leverage) ratio8.9763%4,971
Tier 1 risk-based capital ratio14.6464%3,871
Total risk-based capital ratio15.9011%3,843
Memoranda:
Average total assets$219,628,0002,843
Average earning assets$203,599,2502,811
Average equity$19,651,7503,197
Average total loans$124,561,5003,112
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8622%3,797
Cost of funding earning assets1.1038%3,214
Net interest margin3.7584%3,994
Noninterest income to average assets0.6627%2,751
Noninterest expense to average assets3.0360%3,501
Loan and lease loss provision to assets0.5508%1,762
Net operating income to assets0.3905%4,992
Return on assets (ROA)0.3905%5,132
Pretax return on assets0.5599%4,882
Return on Equity (ROE)4.3980%4,741
Retained earnings to average equity (ytd only)-2.8295%6,357
Net charge-offs to loans0.2336%3,722
Credit loss provision to net charge-offs420.1389%718
Earnings coverage of net charge-offs (x)8.4722%2,050
Efficiency ratio73.2162%3,511
Assets per employee ($millions)4.3376%3,102
Cash dividends to net income (ytd only)*164.3357%140
Condition Ratios (%)
Loss allowance to loans1.5388%3,950
Loan loss allowance to noncurrent loans97.2569%2,964
Noncurrent assets plus other real estate owned to assets2.0940%3,115
Noncurrent loans to loans1.5822%4,023
Net loans and leases to total assets54.2752%5,252
Net loans and leases to deposits60.2315%5,705
Net loans and leases to core deposits62.0601%5,892
Total domestic deposits to total assets90.1111%916
Equity capital to assets8.5679%6,106
Core capital (leverage) ratio8.7385%5,163
Tier 1 risk-based capital ratio14.6087%3,724
Total risk-based capital ratio15.8610%3,690
Memoranda:
Average total assets$219,694,6702,867
Average earning assets$203,652,3302,828
Average equity$19,508,6703,200
Average total loans$123,284,0003,162
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9193%3,490
Cost of funding earning assets1.1570%3,106
Net interest margin3.7623%3,788
Noninterest income to average assets0.8612%1,810
Noninterest expense to average assets3.0998%3,245
Loan and lease loss provision to assets0.4194%2,092
Net operating income to assets0.5927%4,068
Return on assets (ROA)0.5927%4,140
Pretax return on assets0.8332%3,774
Return on Equity (ROE)6.5518%3,605
Retained earnings to average equity (ytd only)-7.9734%6,749
Net charge-offs to loans-0.0395%6,813
Credit loss provision to net charge-offs-1,875.0000%6,230
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2206%4,007
Assets per employee ($millions)4.2525%3,331
Cash dividends to net income (ytd only)*221.6981%168
Condition Ratios (%)
Loss allowance to loans1.3985%4,671
Loan loss allowance to noncurrent loans85.1085%3,344
Noncurrent assets plus other real estate owned to assets2.2299%3,029
Noncurrent loans to loans1.6431%4,019
Net loans and leases to total assets55.0334%5,154
Net loans and leases to deposits61.2692%5,592
Net loans and leases to core deposits62.8852%5,841
Total domestic deposits to total assets89.8223%1,264
Equity capital to assets8.6917%5,669
Core capital (leverage) ratio9.1716%4,334
Tier 1 risk-based capital ratio14.7964%3,545
Total risk-based capital ratio16.0468%3,513
Memoranda:
Average total assets$214,595,5002,942
Average earning assets$199,136,0002,897
Average equity$19,414,5003,202
Average total loans$121,563,5003,226
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9963%4,577
Cost of funding earning assets1.4273%3,086
Net interest margin3.5690%4,968
Noninterest income to average assets1.0167%1,453
Noninterest expense to average assets3.0654%3,606
Loan and lease loss provision to assets0.3343%4,148
Net operating income to assets0.6941%3,253
Return on assets (ROA)0.6682%3,495
Pretax return on assets0.9100%3,244
Return on Equity (ROE)7.3595%2,944
Retained earnings to average equity (ytd only)5.7089%1,985
Net charge-offs to loans0.6452%3,083
Credit loss provision to net charge-offs92.5197%5,017
Earnings coverage of net charge-offs (x)3.5420%3,313
Efficiency ratio70.5446%4,063
Assets per employee ($millions)4.0012%3,782
Cash dividends to net income (ytd only)*22.4273%3,361
Condition Ratios (%)
Loss allowance to loans1.2439%5,305
Loan loss allowance to noncurrent loans62.6684%4,265
Noncurrent assets plus other real estate owned to assets2.4695%2,802
Noncurrent loans to loans1.9849%3,587
Net loans and leases to total assets56.8182%5,212
Net loans and leases to deposits63.8112%5,650
Net loans and leases to core deposits65.4204%5,934
Total domestic deposits to total assets89.0411%1,637
Equity capital to assets9.4247%4,508
Core capital (leverage) ratio9.3980%3,848
Tier 1 risk-based capital ratio15.3645%3,062
Total risk-based capital ratio16.5044%3,073
Memoranda:
Average total assets$210,871,0002,973
Average earning assets$196,663,8002,921
Average equity$19,145,4003,265
Average total loans$118,097,4003,356
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9687%4,958
Cost of funding earning assets1.4515%3,265
Net interest margin3.5173%5,223
Noninterest income to average assets1.0203%1,415
Noninterest expense to average assets3.0772%3,439
Loan and lease loss provision to assets0.2836%4,313
Net operating income to assets0.6859%3,490
Return on assets (ROA)0.6510%3,807
Pretax return on assets0.8949%3,577
Return on Equity (ROE)7.2377%3,235
Retained earnings to average equity (ytd only)5.0237%2,974
Net charge-offs to loans0.6095%2,916
Credit loss provision to net charge-offs83.6431%5,016
Earnings coverage of net charge-offs (x)3.6171%3,368
Efficiency ratio71.5039%3,797
Assets per employee ($millions)4.1814%3,480
Cash dividends to net income (ytd only)*30.5903%2,522
Condition Ratios (%)
Loss allowance to loans1.1890%5,549
Loan loss allowance to noncurrent loans50.6778%4,909
Noncurrent assets plus other real estate owned to assets2.6077%2,772
Noncurrent loans to loans2.3462%3,294
Net loans and leases to total assets56.8170%5,437
Net loans and leases to deposits63.6780%5,953
Net loans and leases to core deposits65.4120%6,165
Total domestic deposits to total assets89.2255%1,274
Equity capital to assets9.2885%5,162
Core capital (leverage) ratio9.1906%4,386
Tier 1 risk-based capital ratio15.0637%3,223
Total risk-based capital ratio16.1795%3,270
Memoranda:
Average total assets$211,573,7503,016
Average earning assets$197,497,5002,955
Average equity$19,029,5003,311
Average total loans$117,695,5003,408
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8984%5,394
Cost of funding earning assets1.4795%3,369
Net interest margin3.4189%5,565
Noninterest income to average assets1.0198%1,319
Noninterest expense to average assets3.0775%3,404
Loan and lease loss provision to assets0.2843%4,119
Net operating income to assets0.6038%3,865
Return on assets (ROA)0.6038%3,999
Pretax return on assets0.8492%3,705
Return on Equity (ROE)6.7874%3,401
Retained earnings to average equity (ytd only)3.4204%3,935
Net charge-offs to loans0.8720%2,090
Credit loss provision to net charge-offs59.2885%5,223
Earnings coverage of net charge-offs (x)2.3636%3,815
Efficiency ratio73.0813%3,643
Assets per employee ($millions)4.1398%3,510
Cash dividends to net income (ytd only)*49.6075%1,704
Condition Ratios (%)
Loss allowance to loans1.1155%5,867
Loan loss allowance to noncurrent loans37.5877%5,856
Noncurrent assets plus other real estate owned to assets2.4913%2,889
Noncurrent loans to loans2.9677%2,700
Net loans and leases to total assets55.1795%5,819
Net loans and leases to deposits61.4519%6,277
Net loans and leases to core deposits63.0897%6,475
Total domestic deposits to total assets89.7929%1,026
Equity capital to assets8.8976%5,605
Core capital (leverage) ratio8.7738%4,968
Tier 1 risk-based capital ratio14.9217%3,195
Total risk-based capital ratio15.9619%3,292
Memoranda:
Average total assets$211,014,0003,040
Average earning assets$196,961,3302,989
Average equity$18,770,0003,340
Average total loans$116,053,3303,476
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8540%5,669
Cost of funding earning assets1.4942%3,600
Net interest margin3.3598%5,751
Noninterest income to average assets1.0398%1,179
Noninterest expense to average assets3.0332%3,550
Loan and lease loss provision to assets0.2872%3,730
Net operating income to assets0.6032%3,881
Return on assets (ROA)0.6032%4,028
Pretax return on assets0.8541%3,648
Return on Equity (ROE)6.7822%3,462
Retained earnings to average equity (ytd only)-0.0215%5,830
Net charge-offs to loans0.2175%3,622
Credit loss provision to net charge-offs241.9355%1,586
Earnings coverage of net charge-offs (x)9.6129%1,828
Efficiency ratio72.6606%3,814
Assets per employee ($millions)4.2437%3,387
Cash dividends to net income (ytd only)*100.3175%575
Condition Ratios (%)
Loss allowance to loans1.4104%4,367
Loan loss allowance to noncurrent loans46.1452%5,274
Noncurrent assets plus other real estate owned to assets2.3614%3,073
Noncurrent loans to loans3.0565%2,621
Net loans and leases to total assets51.7592%6,296
Net loans and leases to deposits57.3492%6,667
Net loans and leases to core deposits58.9134%6,823
Total domestic deposits to total assets90.2526%855
Equity capital to assets8.4808%6,027
Core capital (leverage) ratio9.1817%4,255
Tier 1 risk-based capital ratio15.0743%3,079
Total risk-based capital ratio16.3246%3,035
Memoranda:
Average total assets$208,885,0003,111
Average earning assets$194,890,0003,063
Average equity$18,578,0003,381
Average total loans$114,017,0003,593
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4722%4,311
Cost of funding earning assets1.7657%4,172
Net interest margin3.7065%4,109
Noninterest income to average assets1.0851%1,310
Noninterest expense to average assets3.6238%2,094
Loan and lease loss provision to assets0.3229%4,877
Net operating income to assets0.3943%4,150
Return on assets (ROA)0.3402%4,462
Pretax return on assets0.4591%4,323
Return on Equity (ROE)3.5185%4,283
Retained earnings to average equity (ytd only)0.5177%4,619
Net charge-offs to loans0.3367%4,548
Credit loss provision to net charge-offs163.4877%2,684
Earnings coverage of net charge-offs (x)4.3297%2,984
Efficiency ratio80.9060%2,762
Assets per employee ($millions)3.8646%4,109
Cash dividends to net income (ytd only)*85.2848%994
Condition Ratios (%)
Loss allowance to loans1.3781%4,353
Loan loss allowance to noncurrent loans67.1882%4,042
Noncurrent assets plus other real estate owned to assets1.9386%3,471
Noncurrent loans to loans2.0511%3,586
Net loans and leases to total assets56.1325%5,931
Net loans and leases to deposits62.9209%6,369
Net loans and leases to core deposits72.3454%6,631
Total domestic deposits to total assets89.2113%1,382
Equity capital to assets9.3564%4,626
Core capital (leverage) ratio9.2693%4,024
Tier 1 risk-based capital ratio15.7522%2,618
Total risk-based capital ratio17.0027%2,556
Memoranda:
Average total assets$185,797,0003,342
Average earning assets$170,132,2003,344
Average equity$17,962,4003,508
Average total loans$109,009,2003,716
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5375%4,232
Cost of funding earning assets1.7388%4,702
Net interest margin3.7987%3,663
Noninterest income to average assets1.0916%1,337
Noninterest expense to average assets3.8825%1,457
Loan and lease loss provision to assets0.3279%4,367
Net operating income to assets0.2736%4,889
Return on assets (ROA)0.1953%5,251
Pretax return on assets0.2463%5,195
Return on Equity (ROE)2.0026%5,154
Retained earnings to average equity (ytd only)-2.0250%5,729
Net charge-offs to loans0.3659%3,820
Credit loss provision to net charge-offs151.5152%3,163
Earnings coverage of net charge-offs (x)3.1111%3,680
Efficiency ratio85.2207%2,156
Assets per employee ($millions)4.0980%3,564
Cash dividends to net income (ytd only)*201.1222%187
Condition Ratios (%)
Loss allowance to loans1.3069%4,460
Loan loss allowance to noncurrent loans75.5281%3,598
Noncurrent assets plus other real estate owned to assets1.8576%3,575
Noncurrent loans to loans1.7303%4,042
Net loans and leases to total assets55.1335%6,252
Net loans and leases to deposits61.7318%6,704
Net loans and leases to core deposits69.9745%6,967
Total domestic deposits to total assets89.3113%1,054
Equity capital to assets9.1190%5,307
Core capital (leverage) ratio9.4634%3,959
Tier 1 risk-based capital ratio15.7181%2,733
Total risk-based capital ratio16.9606%2,668
Memoranda:
Average total assets$182,972,2503,416
Average earning assets$166,858,5003,429
Average equity$17,842,7503,554
Average total loans$108,216,2503,767
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7373%3,358
Cost of funding earning assets1.7906%4,805
Net interest margin3.9468%2,901
Noninterest income to average assets1.1693%1,146
Noninterest expense to average assets4.2716%988
Loan and lease loss provision to assets0.3389%3,905
Net operating income to assets0.0983%5,570
Return on assets (ROA)0.0000%5,913
Pretax return on assets-0.0215%5,891
Return on Equity (ROE)0.0000%5,918
Retained earnings to average equity (ytd only)-6.0950%6,463
Net charge-offs to loans0.5014%2,826
Credit loss provision to net charge-offs111.9403%4,136
Earnings coverage of net charge-offs (x)1.5560%4,371
Efficiency ratio90.0667%1,802
Assets per employee ($millions)3.7616%4,192
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans1.2422%4,659
Loan loss allowance to noncurrent loans154.0664%1,916
Noncurrent assets plus other real estate owned to assets1.4265%4,112
Noncurrent loans to loans0.8063%5,619
Net loans and leases to total assets56.8534%6,107
Net loans and leases to deposits63.8390%6,577
Net loans and leases to core deposits72.6720%6,857
Total domestic deposits to total assets89.0574%1,239
Equity capital to assets9.3156%4,845
Core capital (leverage) ratio10.2626%3,030
Tier 1 risk-based capital ratio16.2709%2,529
Total risk-based capital ratio17.4724%2,490
Memoranda:
Average total assets$177,029,6703,526
Average earning assets$160,283,6703,559
Average equity$17,686,6703,587
Average total loans$106,897,0003,836
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7999%3,304
Cost of funding earning assets1.8540%4,859
Net interest margin3.9459%2,866
Noninterest income to average assets1.2548%910
Noninterest expense to average assets4.1305%1,025
Loan and lease loss provision to assets0.3498%3,220
Net operating income to assets0.3195%5,218
Return on assets (ROA)0.3195%5,387
Pretax return on assets0.3732%5,471
Return on Equity (ROE)3.0839%5,336
Retained earnings to average equity (ytd only)-9.0492%7,018
Net charge-offs to loans0.3653%2,635
Credit loss provision to net charge-offs154.6392%2,707
Earnings coverage of net charge-offs (x)3.1959%3,252
Efficiency ratio85.1033%2,182
Assets per employee ($millions)3.5138%4,780
Cash dividends to net income (ytd only)*393.4307%107
Condition Ratios (%)
Loss allowance to loans1.2539%4,392
Loan loss allowance to noncurrent loans59.9649%4,601
Noncurrent assets plus other real estate owned to assets1.4389%3,773
Noncurrent loans to loans2.0910%3,131
Net loans and leases to total assets61.2315%5,460
Net loans and leases to deposits69.5198%6,021
Net loans and leases to core deposits79.9443%6,390
Total domestic deposits to total assets88.0778%1,717
Equity capital to assets10.1082%3,876
Core capital (leverage) ratio10.9179%2,568
Tier 1 risk-based capital ratio16.6425%2,466
Total risk-based capital ratio17.8813%2,398
Memoranda:
Average total assets$171,503,5003,627
Average earning assets$156,416,0003,638
Average equity$17,769,5003,601
Average total loans$106,207,5003,877
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4442%3,209
Cost of funding earning assets2.2852%5,226
Net interest margin4.1590%2,464
Noninterest income to average assets1.4323%700
Noninterest expense to average assets3.5265%2,324
Loan and lease loss provision to assets0.1308%5,694
Net operating income to assets1.1278%2,040
Return on assets (ROA)0.7057%3,702
Pretax return on assets1.0013%3,382
Return on Equity (ROE)5.8244%4,017
Retained earnings to average equity (ytd only)-0.7881%5,540
Net charge-offs to loans0.1431%4,787
Credit loss provision to net charge-offs165.2893%3,114
Earnings coverage of net charge-offs (x)21.9256%1,505
Efficiency ratio67.0230%4,906
Assets per employee ($millions)3.4147%4,902
Cash dividends to net income (ytd only)*113.5310%757
Condition Ratios (%)
Loss allowance to loans1.2689%3,997
Loan loss allowance to noncurrent loans64.1740%4,804
Noncurrent assets plus other real estate owned to assets1.2228%3,785
Noncurrent loans to loans1.9773%2,792
Net loans and leases to total assets61.0568%5,762
Net loans and leases to deposits69.7074%6,298
Net loans and leases to core deposits80.9963%6,537
Total domestic deposits to total assets87.5901%1,672
Equity capital to assets10.6265%3,365
Core capital (leverage) ratio11.5591%2,215
Tier 1 risk-based capital ratio17.6179%2,145
Total risk-based capital ratio18.8515%2,090
Memoranda:
Average total assets$152,899,2003,846
Average earning assets$140,777,8003,832
Average equity$18,525,4003,472
Average total loans$84,543,0004,383