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Chesapeake Bank of Maryland, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0950%3,316
Cost of funding earning assets0.4207%799
Net interest margin2.6743%3,756
Noninterest income to average assets0.1309%4,349
Noninterest expense to average assets2.6360%1,536
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.0569%4,549
Return on assets (ROA)0.0569%4,516
Pretax return on assets0.0886%4,499
Return on Equity (ROE)0.3065%4,533
Retained earnings to average equity (ytd only)0.3065%4,135
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.7482%237
Assets per employee ($millions)6.1911%2,573
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0561%3,344
Loan loss allowance to noncurrent loans825.5208%1,078
Noncurrent assets plus other real estate owned to assets0.0795%3,188
Noncurrent loans to loans0.1279%3,078
Net loans and leases to total assets61.5035%2,172
Net loans and leases to deposits78.1606%1,528
Net loans and leases to core deposits85.1844%1,385
Total domestic deposits to total assets78.6886%4,314
Equity capital to assets19.0770%190
Core capital (leverage) ratio19.3878%221
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio37.0284%136
Memoranda:
Average total assets$246,057,3332,793
Average earning assets$238,646,0002,732
Average equity$45,683,3331,808
Average total loans$148,114,3332,668
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9464%3,409
Cost of funding earning assets0.4313%717
Net interest margin2.5151%3,874
Noninterest income to average assets0.1208%4,402
Noninterest expense to average assets2.5238%1,826
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.0161%4,540
Return on assets (ROA)0.0161%4,520
Pretax return on assets0.0387%4,496
Return on Equity (ROE)0.0879%4,522
Retained earnings to average equity (ytd only)0.0879%3,999
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.4915%268
Assets per employee ($millions)6.3432%2,509
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0989%3,328
Loan loss allowance to noncurrent loans441.5042%1,626
Noncurrent assets plus other real estate owned to assets0.1451%2,779
Noncurrent loans to loans0.2489%2,598
Net loans and leases to total assets57.6614%2,332
Net loans and leases to deposits72.9832%1,697
Net loans and leases to core deposits79.9154%1,488
Total domestic deposits to total assets79.0063%4,346
Equity capital to assets17.8940%230
Core capital (leverage) ratio18.0628%240
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.6499%152
Memoranda:
Average total assets$248,359,5002,795
Average earning assets$241,104,0002,727
Average equity$45,494,0001,867
Average total loans$147,128,0002,667
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3188%3,147
Cost of funding earning assets0.5579%677
Net interest margin2.7608%3,751
Noninterest income to average assets0.7836%1,495
Noninterest expense to average assets2.7553%1,472
Loan and lease loss provision to assets-0.0613%4,411
Net operating income to assets0.6108%3,848
Return on assets (ROA)0.6108%3,896
Pretax return on assets0.7419%3,855
Return on Equity (ROE)3.2975%4,319
Retained earnings to average equity (ytd only)3.2975%3,495
Net charge-offs to loans-0.0052%3,561
Credit loss provision to net charge-offs1,875.0000%322
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.1902%793
Assets per employee ($millions)6.3932%2,416
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.0565%3,542
Loan loss allowance to noncurrent loans600.3788%1,250
Noncurrent assets plus other real estate owned to assets0.1059%3,189
Noncurrent loans to loans0.1760%3,066
Net loans and leases to total assets59.5348%2,209
Net loans and leases to deposits76.0787%1,561
Net loans and leases to core deposits83.6551%1,351
Total domestic deposits to total assets78.2542%4,370
Equity capital to assets18.7382%226
Core capital (leverage) ratio18.7354%216
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.4644%162
Memoranda:
Average total assets$244,762,4002,767
Average earning assets$235,146,6002,712
Average equity$45,338,0001,910
Average total loans$153,509,0002,599
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4047%3,091
Cost of funding earning assets0.5891%674
Net interest margin2.8156%3,748
Noninterest income to average assets0.5484%2,413
Noninterest expense to average assets2.8454%1,228
Loan and lease loss provision to assets-0.0821%4,560
Net operating income to assets0.3317%4,475
Return on assets (ROA)0.3317%4,503
Pretax return on assets0.4822%4,390
Return on Equity (ROE)1.7958%4,621
Retained earnings to average equity (ytd only)1.7958%4,247
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.6728%377
Assets per employee ($millions)6.4199%2,317
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0290%3,745
Loan loss allowance to noncurrent loans595.0943%1,196
Noncurrent assets plus other real estate owned to assets0.1058%3,399
Noncurrent loans to loans0.1729%3,256
Net loans and leases to total assets60.5805%2,185
Net loans and leases to deposits77.2068%1,553
Net loans and leases to core deposits85.4910%1,324
Total domestic deposits to total assets78.4652%4,379
Equity capital to assets18.2134%261
Core capital (leverage) ratio18.1021%257
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.4795%204
Memoranda:
Average total assets$243,619,2502,791
Average earning assets$233,359,7502,747
Average equity$44,992,2501,942
Average total loans$154,379,7502,633
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4411%3,049
Cost of funding earning assets0.6172%679
Net interest margin2.8239%3,738
Noninterest income to average assets0.6223%2,118
Noninterest expense to average assets3.0128%965
Loan and lease loss provision to assets-0.0829%4,590
Net operating income to assets0.2660%4,566
Return on assets (ROA)0.2660%4,582
Pretax return on assets0.3952%4,506
Return on Equity (ROE)1.4334%4,654
Retained earnings to average equity (ytd only)1.4334%4,254
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.6055%326
Assets per employee ($millions)6.2446%2,394
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.0615%3,581
Loan loss allowance to noncurrent loans643.0830%1,044
Noncurrent assets plus other real estate owned to assets0.1013%3,542
Noncurrent loans to loans0.1651%3,388
Net loans and leases to total assets60.7086%2,335
Net loans and leases to deposits77.2001%1,709
Net loans and leases to core deposits85.4739%1,457
Total domestic deposits to total assets78.6380%4,373
Equity capital to assets18.0667%263
Core capital (leverage) ratio18.4893%241
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.1378%215
Memoranda:
Average total assets$241,367,0002,802
Average earning assets$231,030,6672,755
Average equity$44,789,0001,941
Average total loans$154,754,3332,640
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4588%3,052
Cost of funding earning assets0.6639%636
Net interest margin2.7949%3,777
Noninterest income to average assets0.6392%2,068
Noninterest expense to average assets2.9482%1,067
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.2344%4,608
Return on assets (ROA)0.2344%4,630
Pretax return on assets0.3609%4,541
Return on Equity (ROE)1.2461%4,688
Retained earnings to average equity (ytd only)1.2461%4,168
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.0928%407
Assets per employee ($millions)5.8445%2,753
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1170%3,349
Loan loss allowance to noncurrent loans503.4985%1,172
Noncurrent assets plus other real estate owned to assets0.4666%1,989
Noncurrent loans to loans0.2218%3,302
Net loans and leases to total assets63.8030%2,070
Net loans and leases to deposits82.0664%1,331
Net loans and leases to core deposits90.9679%1,173
Total domestic deposits to total assets77.7456%4,460
Equity capital to assets18.6829%233
Core capital (leverage) ratio18.6198%236
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.9496%258
Memoranda:
Average total assets$237,158,0002,818
Average earning assets$226,552,5002,772
Average equity$44,619,5001,930
Average total loans$155,497,5002,642
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9921%2,754
Cost of funding earning assets0.8175%1,139
Net interest margin3.1746%3,419
Noninterest income to average assets0.6221%2,132
Noninterest expense to average assets2.9242%1,620
Loan and lease loss provision to assets0.1521%2,472
Net operating income to assets0.3930%4,259
Return on assets (ROA)0.4421%4,240
Pretax return on assets0.6381%3,998
Return on Equity (ROE)2.3477%4,515
Retained earnings to average equity (ytd only)2.3477%3,686
Net charge-offs to loans0.0012%3,380
Credit loss provision to net charge-offs17,500.0000%55
Earnings coverage of net charge-offs (x)837.5000%145
Efficiency ratio80.0643%891
Assets per employee ($millions)5.8673%2,476
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.1044%3,439
Loan loss allowance to noncurrent loans918.6170%713
Noncurrent assets plus other real estate owned to assets0.4103%2,357
Noncurrent loans to loans0.1202%3,805
Net loans and leases to total assets65.8964%2,108
Net loans and leases to deposits85.0578%1,345
Net loans and leases to core deposits97.4948%1,035
Total domestic deposits to total assets77.4725%4,369
Equity capital to assets18.9483%231
Core capital (leverage) ratio18.6629%232
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.5313%256
Memoranda:
Average total assets$230,044,6002,714
Average earning assets$219,583,8002,674
Average equity$43,319,0001,897
Average total loans$163,537,6002,540
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0429%2,849
Cost of funding earning assets0.8413%1,304
Net interest margin3.2016%3,490
Noninterest income to average assets0.5219%2,516
Noninterest expense to average assets2.9953%1,452
Loan and lease loss provision to assets0.2040%1,958
Net operating income to assets0.2488%4,524
Return on assets (ROA)0.3146%4,470
Pretax return on assets0.4608%4,360
Return on Equity (ROE)1.6732%4,600
Retained earnings to average equity (ytd only)1.6732%4,037
Net charge-offs to loans0.0016%3,158
Credit loss provision to net charge-offs17,500.0000%79
Earnings coverage of net charge-offs (x)499.0000%230
Efficiency ratio83.7459%622
Assets per employee ($millions)5.6536%2,575
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.0469%3,482
Loan loss allowance to noncurrent loans363.5789%1,392
Noncurrent assets plus other real estate owned to assets0.5393%2,086
Noncurrent loans to loans0.2880%3,247
Net loans and leases to total assets70.4199%1,886
Net loans and leases to deposits91.0096%1,160
Net loans and leases to core deposits103.7698%940
Total domestic deposits to total assets77.3764%4,277
Equity capital to assets18.8798%244
Core capital (leverage) ratio18.2760%261
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.4551%294
Memoranda:
Average total assets$228,883,0002,707
Average earning assets$218,386,2502,670
Average equity$43,031,2501,896
Average total loans$165,327,0002,531
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1598%2,883
Cost of funding earning assets0.8598%1,546
Net interest margin3.3001%3,388
Noninterest income to average assets0.3887%3,147
Noninterest expense to average assets3.0126%1,544
Loan and lease loss provision to assets0.2852%1,507
Net operating income to assets0.1475%4,635
Return on assets (ROA)0.2466%4,552
Pretax return on assets0.3624%4,452
Return on Equity (ROE)1.3135%4,649
Retained earnings to average equity (ytd only)1.3135%4,005
Net charge-offs to loans0.0036%2,853
Credit loss provision to net charge-offs10,833.3333%111
Earnings coverage of net charge-offs (x)198.3333%457
Efficiency ratio85.2284%574
Assets per employee ($millions)5.3401%2,787
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0094%3,525
Loan loss allowance to noncurrent loans344.3320%1,397
Noncurrent assets plus other real estate owned to assets0.5401%2,194
Noncurrent loans to loans0.2932%3,330
Net loans and leases to total assets70.9936%1,874
Net loans and leases to deposits93.6940%988
Net loans and leases to core deposits107.3458%841
Total domestic deposits to total assets75.7717%4,449
Equity capital to assets18.4074%271
Core capital (leverage) ratio18.1788%282
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.9534%311
Memoranda:
Average total assets$227,911,3332,694
Average earning assets$217,268,0002,654
Average equity$42,787,3331,893
Average total loans$165,449,6672,513
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2752%2,995
Cost of funding earning assets0.9022%1,852
Net interest margin3.3730%3,388
Noninterest income to average assets0.3530%3,408
Noninterest expense to average assets2.9325%2,044
Loan and lease loss provision to assets0.3120%992
Net operating income to assets0.2083%4,511
Return on assets (ROA)0.2745%4,423
Pretax return on assets0.4047%4,285
Return on Equity (ROE)1.4475%4,560
Retained earnings to average equity (ytd only)1.4475%3,615
Net charge-offs to loans0.0073%2,305
Credit loss provision to net charge-offs5,833.3333%133
Earnings coverage of net charge-offs (x)118.3333%516
Efficiency ratio82.2500%960
Assets per employee ($millions)5.3122%2,307
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9316%4,001
Loan loss allowance to noncurrent loans585.2830%843
Noncurrent assets plus other real estate owned to assets0.4859%2,544
Noncurrent loans to loans0.1592%3,890
Net loans and leases to total assets72.2040%1,889
Net loans and leases to deposits97.4960%780
Net loans and leases to core deposits113.5387%682
Total domestic deposits to total assets74.0584%4,657
Equity capital to assets18.8114%301
Core capital (leverage) ratio18.9227%281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.5219%316
Memoranda:
Average total assets$224,384,5002,676
Average earning assets$213,699,5002,633
Average equity$42,555,5001,895
Average total loans$163,919,0002,497
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3491%3,397
Cost of funding earning assets0.8829%2,269
Net interest margin3.4662%3,546
Noninterest income to average assets0.2713%4,053
Noninterest expense to average assets2.9510%2,144
Loan and lease loss provision to assets0.0802%2,392
Net operating income to assets0.3845%4,622
Return on assets (ROA)0.3845%4,652
Pretax return on assets0.5412%4,506
Return on Equity (ROE)2.0412%4,794
Retained earnings to average equity (ytd only)2.0412%3,984
Net charge-offs to loans-0.0107%4,485
Credit loss provision to net charge-offs-1,093.7500%4,530
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6065%762
Assets per employee ($millions)5.0078%2,589
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.8546%4,141
Loan loss allowance to noncurrent loans281.4286%1,606
Noncurrent assets plus other real estate owned to assets0.6059%2,078
Noncurrent loans to loans0.3037%3,348
Net loans and leases to total assets72.6028%1,993
Net loans and leases to deposits93.0017%1,257
Net loans and leases to core deposits110.4700%826
Total domestic deposits to total assets78.0661%4,348
Equity capital to assets19.1251%290
Core capital (leverage) ratio19.0755%274
Tier 1 risk-based capital ratio27.7374%577
Total risk-based capital ratio28.6828%578
Memoranda:
Average total assets$218,228,6002,676
Average earning assets$207,836,6002,627
Average equity$41,104,0001,882
Average total loans$149,011,0002,633
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3661%3,457
Cost of funding earning assets0.8710%2,364
Net interest margin3.4950%3,574
Noninterest income to average assets0.2156%4,436
Noninterest expense to average assets2.9036%2,256
Loan and lease loss provision to assets0.0551%2,807
Net operating income to assets0.4299%4,661
Return on assets (ROA)0.4299%4,693
Pretax return on assets0.5843%4,569
Return on Equity (ROE)2.2916%4,869
Retained earnings to average equity (ytd only)2.2916%4,176
Net charge-offs to loans-0.0228%4,617
Credit loss provision to net charge-offs-360.0000%4,270
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.9533%759
Assets per employee ($millions)5.0606%2,487
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8758%4,134
Loan loss allowance to noncurrent loans294.1309%1,538
Noncurrent assets plus other real estate owned to assets0.5919%2,229
Noncurrent loans to loans0.2978%3,472
Net loans and leases to total assets67.7737%2,818
Net loans and leases to deposits85.9019%2,200
Net loans and leases to core deposits101.7623%1,524
Total domestic deposits to total assets78.8966%4,207
Equity capital to assets19.1705%300
Core capital (leverage) ratio18.8738%296
Tier 1 risk-based capital ratio30.2389%476
Total risk-based capital ratio31.2208%476
Memoranda:
Average total assets$217,699,7502,705
Average earning assets$207,259,5002,656
Average equity$40,844,7501,902
Average total loans$145,925,0002,684
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3147%3,598
Cost of funding earning assets0.8465%2,413
Net interest margin3.4682%3,692
Noninterest income to average assets0.1810%4,664
Noninterest expense to average assets2.8264%2,497
Loan and lease loss provision to assets0.1378%1,341
Net operating income to assets0.3812%4,760
Return on assets (ROA)0.3812%4,781
Pretax return on assets0.5172%4,674
Return on Equity (ROE)2.0466%4,931
Retained earnings to average equity (ytd only)2.0466%4,095
Net charge-offs to loans0.0690%1,672
Credit loss provision to net charge-offs300.0000%895
Earnings coverage of net charge-offs (x)14.2600%2,045
Efficiency ratio81.1873%865
Assets per employee ($millions)5.1308%2,322
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8910%4,132
Loan loss allowance to noncurrent loans138.6437%2,777
Noncurrent assets plus other real estate owned to assets0.8041%1,749
Noncurrent loans to loans0.6427%2,334
Net loans and leases to total assets64.9364%3,247
Net loans and leases to deposits81.6177%2,773
Net loans and leases to core deposits96.3554%2,031
Total domestic deposits to total assets79.5617%4,126
Equity capital to assets18.6561%316
Core capital (leverage) ratio18.5574%305
Tier 1 risk-based capital ratio30.3532%471
Total risk-based capital ratio31.3423%471
Memoranda:
Average total assets$217,731,3302,712
Average earning assets$207,199,0002,666
Average equity$40,554,3301,908
Average total loans$144,972,6702,710
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2441%3,731
Cost of funding earning assets0.8247%2,400
Net interest margin3.4194%3,836
Noninterest income to average assets0.1701%4,720
Noninterest expense to average assets2.6447%3,067
Loan and lease loss provision to assets0.1664%1,011
Net operating income to assets0.4531%4,636
Return on assets (ROA)0.4531%4,653
Pretax return on assets0.6103%4,494
Return on Equity (ROE)2.4347%4,905
Retained earnings to average equity (ytd only)2.4347%3,945
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2973%1,348
Assets per employee ($millions)5.0502%2,460
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8715%4,267
Loan loss allowance to noncurrent loans103.3145%3,336
Noncurrent assets plus other real estate owned to assets0.9679%1,452
Noncurrent loans to loans0.8435%1,950
Net loans and leases to total assets66.9396%2,908
Net loans and leases to deposits84.2247%2,364
Net loans and leases to core deposits100.2144%1,605
Total domestic deposits to total assets79.4773%4,255
Equity capital to assets18.6830%299
Core capital (leverage) ratio18.6238%298
Tier 1 risk-based capital ratio29.4750%494
Total risk-based capital ratio30.4371%496
Memoranda:
Average total assets$216,284,5002,754
Average earning assets$205,651,0002,711
Average equity$40,251,5001,920
Average total loans$145,182,0002,738
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1749%3,508
Cost of funding earning assets0.5946%2,767
Net interest margin3.5803%3,449
Noninterest income to average assets0.2979%4,113
Noninterest expense to average assets2.9147%2,301
Loan and lease loss provision to assets0.1538%1,373
Net operating income to assets0.4594%4,749
Return on assets (ROA)0.4594%4,749
Pretax return on assets0.6158%4,606
Return on Equity (ROE)3.0893%4,883
Retained earnings to average equity (ytd only)3.0893%3,852
Net charge-offs to loans0.0631%2,222
Credit loss provision to net charge-offs333.3333%932
Earnings coverage of net charge-offs (x)16.6778%2,234
Efficiency ratio79.1122%1,029
Assets per employee ($millions)5.0142%2,486
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.8663%4,307
Loan loss allowance to noncurrent loans79.1878%3,761
Noncurrent assets plus other real estate owned to assets1.1321%1,173
Noncurrent loans to loans1.0940%1,484
Net loans and leases to total assets66.2342%3,099
Net loans and leases to deposits83.2247%2,600
Net loans and leases to core deposits98.9290%1,798
Total domestic deposits to total assets79.5848%4,196
Equity capital to assets18.6124%295
Core capital (leverage) ratio18.5441%291
Tier 1 risk-based capital ratio29.7639%477
Total risk-based capital ratio30.7169%484
Memoranda:
Average total assets$195,043,0002,915
Average earning assets$184,484,2002,873
Average equity$29,003,2002,395
Average total loans$142,535,0002,735
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1011%3,625
Cost of funding earning assets0.5211%3,052
Net interest margin3.5800%3,435
Noninterest income to average assets0.3321%3,933
Noninterest expense to average assets2.8175%2,578
Loan and lease loss provision to assets0.1580%1,226
Net operating income to assets0.5561%4,630
Return on assets (ROA)0.5561%4,638
Pretax return on assets0.7379%4,448
Return on Equity (ROE)4.0271%4,813
Retained earnings to average equity (ytd only)4.0271%3,757
Net charge-offs to loans0.0675%1,870
Credit loss provision to net charge-offs312.5000%989
Earnings coverage of net charge-offs (x)17.7218%2,097
Efficiency ratio75.8745%1,367
Assets per employee ($millions)5.0579%2,400
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8220%4,546
Loan loss allowance to noncurrent loans115.0725%3,219
Noncurrent assets plus other real estate owned to assets0.8736%1,691
Noncurrent loans to loans0.7144%2,290
Net loans and leases to total assets66.0685%3,165
Net loans and leases to deposits82.7179%2,740
Net loans and leases to core deposits98.3895%1,903
Total domestic deposits to total assets79.8720%4,148
Equity capital to assets18.1403%324
Core capital (leverage) ratio20.2031%227
Tier 1 risk-based capital ratio30.0248%477
Total risk-based capital ratio30.9556%486
Memoranda:
Average total assets$189,901,5002,985
Average earning assets$179,361,7502,953
Average equity$26,221,5002,570
Average total loans$142,155,0002,758
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2171%3,063
Cost of funding earning assets0.5220%2,818
Net interest margin3.6951%2,948
Noninterest income to average assets0.3287%3,989
Noninterest expense to average assets2.9484%2,201
Loan and lease loss provision to assets0.1660%1,107
Net operating income to assets0.5235%4,692
Return on assets (ROA)0.5235%4,698
Pretax return on assets0.6928%4,534
Return on Equity (ROE)4.3373%4,735
Retained earnings to average equity (ytd only)4.3373%3,431
Net charge-offs to loans0.1019%1,334
Credit loss provision to net charge-offs208.3333%1,268
Earnings coverage of net charge-offs (x)10.7778%2,311
Efficiency ratio77.4419%1,253
Assets per employee ($millions)4.1858%3,600
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.7931%4,718
Loan loss allowance to noncurrent loans165.8247%2,577
Noncurrent assets plus other real estate owned to assets0.8351%1,789
Noncurrent loans to loans0.4783%3,005
Net loans and leases to total assets75.7907%1,670
Net loans and leases to deposits86.5041%2,268
Net loans and leases to core deposits92.4228%2,364
Total domestic deposits to total assets87.6152%1,581
Equity capital to assets11.9548%1,881
Core capital (leverage) ratio12.2067%1,594
Tier 1 risk-based capital ratio17.0922%2,067
Total risk-based capital ratio17.9859%2,129
Memoranda:
Average total assets$180,706,0003,085
Average earning assets$170,115,0003,062
Average equity$21,811,0002,939
Average total loans$141,246,0002,780
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2344%2,768
Cost of funding earning assets0.5112%2,714
Net interest margin3.7232%2,717
Noninterest income to average assets0.3375%3,901
Noninterest expense to average assets2.9189%2,293
Loan and lease loss provision to assets0.1676%1,058
Net operating income to assets0.5722%4,506
Return on assets (ROA)0.5722%4,512
Pretax return on assets0.7510%4,290
Return on Equity (ROE)4.7173%4,577
Retained earnings to average equity (ytd only)4.7173%3,302
Net charge-offs to loans0.0594%1,508
Credit loss provision to net charge-offs357.1429%728
Earnings coverage of net charge-offs (x)19.5714%1,499
Efficiency ratio76.0629%1,588
Assets per employee ($millions)4.2866%3,510
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.7705%4,866
Loan loss allowance to noncurrent loans137.5315%2,900
Noncurrent assets plus other real estate owned to assets0.9215%1,719
Noncurrent loans to loans0.5602%2,855
Net loans and leases to total assets78.1152%1,220
Net loans and leases to deposits89.3858%1,765
Net loans and leases to core deposits95.9351%1,982
Total domestic deposits to total assets87.3910%1,958
Equity capital to assets12.1152%1,701
Core capital (leverage) ratio12.1045%1,586
Tier 1 risk-based capital ratio16.8961%2,142
Total risk-based capital ratio17.7734%2,220
Memoranda:
Average total assets$178,970,5003,137
Average earning assets$168,241,0003,121
Average equity$21,707,5002,977
Average total loans$141,516,5002,794
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1809%2,758
Cost of funding earning assets0.4905%2,421
Net interest margin3.6904%2,832
Noninterest income to average assets0.4698%3,191
Noninterest expense to average assets3.0191%2,116
Loan and lease loss provision to assets0.5719%223
Net operating income to assets0.0006%5,359
Return on assets (ROA)0.0006%5,360
Pretax return on assets0.2834%5,222
Return on Equity (ROE)0.0046%5,360
Retained earnings to average equity (ytd only)0.0046%5,010
Net charge-offs to loans0.4837%492
Credit loss provision to net charge-offs153.4431%1,748
Earnings coverage of net charge-offs (x)2.2949%3,764
Efficiency ratio77.9234%1,367
Assets per employee ($millions)4.1373%3,762
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.7346%4,988
Loan loss allowance to noncurrent loans118.3580%3,226
Noncurrent assets plus other real estate owned to assets0.9792%1,581
Noncurrent loans to loans0.6206%2,677
Net loans and leases to total assets78.8441%1,148
Net loans and leases to deposits90.2886%1,742
Net loans and leases to core deposits96.2618%2,003
Total domestic deposits to total assets87.3246%1,851
Equity capital to assets12.1431%1,735
Core capital (leverage) ratio11.9434%1,634
Tier 1 risk-based capital ratio16.6415%2,213
Total risk-based capital ratio17.4779%2,292
Memoranda:
Average total assets$179,224,0003,126
Average earning assets$165,347,4003,136
Average equity$21,781,6002,973
Average total loans$138,096,0002,810
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1322%2,868
Cost of funding earning assets0.4817%2,419
Net interest margin3.6505%2,949
Noninterest income to average assets0.4708%3,205
Noninterest expense to average assets2.7883%2,769
Loan and lease loss provision to assets0.6683%168
Net operating income to assets0.2621%5,283
Return on assets (ROA)0.2621%5,298
Pretax return on assets0.3683%5,233
Return on Equity (ROE)2.1563%5,284
Retained earnings to average equity (ytd only)2.1563%4,566
Net charge-offs to loans0.6526%303
Credit loss provision to net charge-offs133.9286%1,837
Earnings coverage of net charge-offs (x)2.0774%3,507
Efficiency ratio72.8985%2,055
Assets per employee ($millions)4.2231%3,601
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.6368%5,260
Loan loss allowance to noncurrent loans48.1972%4,578
Noncurrent assets plus other real estate owned to assets1.6333%896
Noncurrent loans to loans1.3212%1,444
Net loans and leases to total assets78.1106%1,250
Net loans and leases to deposits91.7859%1,596
Net loans and leases to core deposits96.9754%1,984
Total domestic deposits to total assets85.1009%2,677
Equity capital to assets12.1138%1,894
Core capital (leverage) ratio12.0313%1,665
Tier 1 risk-based capital ratio16.7151%2,246
Total risk-based capital ratio17.4347%2,376
Memoranda:
Average total assets$179,554,2503,144
Average earning assets$164,976,2503,167
Average equity$21,826,2502,996
Average total loans$137,294,0002,837
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0981%2,836
Cost of funding earning assets0.4651%2,454
Net interest margin3.6329%2,900
Noninterest income to average assets0.3600%3,982
Noninterest expense to average assets2.8031%2,750
Loan and lease loss provision to assets0.4193%304
Net operating income to assets0.2963%5,231
Return on assets (ROA)0.2963%5,249
Pretax return on assets0.4562%5,075
Return on Equity (ROE)2.4347%5,249
Retained earnings to average equity (ytd only)2.4347%4,225
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2006%1,690
Assets per employee ($millions)4.3446%3,353
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.7346%5,123
Loan loss allowance to noncurrent loans50.3097%4,574
Noncurrent assets plus other real estate owned to assets1.8107%764
Noncurrent loans to loans1.4603%1,296
Net loans and leases to total assets78.1952%1,220
Net loans and leases to deposits91.6828%1,538
Net loans and leases to core deposits96.5125%1,929
Total domestic deposits to total assets85.2889%2,699
Equity capital to assets12.0066%1,920
Core capital (leverage) ratio11.9276%1,673
Tier 1 risk-based capital ratio16.2524%2,408
Total risk-based capital ratio17.0719%2,510
Memoranda:
Average total assets$178,874,0003,168
Average earning assets$163,393,6703,191
Average equity$21,769,0003,003
Average total loans$135,474,0002,863
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0788%2,731
Cost of funding earning assets0.4632%2,396
Net interest margin3.6156%2,831
Noninterest income to average assets0.3095%4,338
Noninterest expense to average assets2.8282%2,693
Loan and lease loss provision to assets0.1129%1,695
Net operating income to assets0.4044%4,930
Return on assets (ROA)0.4044%4,956
Pretax return on assets0.6483%4,603
Return on Equity (ROE)3.2997%5,021
Retained earnings to average equity (ytd only)3.2997%3,786
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.7917%1,518
Assets per employee ($millions)4.0839%3,870
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.5329%5,565
Loan loss allowance to noncurrent loans432.5444%1,192
Noncurrent assets plus other real estate owned to assets0.8954%2,073
Noncurrent loans to loans0.1232%4,695
Net loans and leases to total assets75.9288%1,424
Net loans and leases to deposits86.9497%1,918
Net loans and leases to core deposits91.3154%2,231
Total domestic deposits to total assets87.3250%2,061
Equity capital to assets12.1296%1,752
Core capital (leverage) ratio12.0232%1,614
Tier 1 risk-based capital ratio16.9627%2,191
Total risk-based capital ratio17.5678%2,372
Memoranda:
Average total assets$177,074,0003,219
Average earning assets$160,635,5003,257
Average equity$21,699,0003,011
Average total loans$131,340,0002,939
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9885%3,231
Cost of funding earning assets0.4817%2,239
Net interest margin3.5068%3,404
Noninterest income to average assets0.1159%5,600
Noninterest expense to average assets2.9281%2,570
Loan and lease loss provision to assets-0.0358%5,548
Net operating income to assets0.2157%5,393
Return on assets (ROA)0.2157%5,452
Pretax return on assets0.3478%5,303
Return on Equity (ROE)1.7393%5,450
Retained earnings to average equity (ytd only)1.7393%4,536
Net charge-offs to loans0.0495%3,056
Credit loss provision to net charge-offs-103.3333%4,902
Earnings coverage of net charge-offs (x)9.0167%2,800
Efficiency ratio90.3685%533
Assets per employee ($millions)4.0571%3,855
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.5426%5,610
Loan loss allowance to noncurrent loans405.3571%1,262
Noncurrent assets plus other real estate owned to assets0.9217%2,056
Noncurrent loans to loans0.1339%4,699
Net loans and leases to total assets71.5539%2,231
Net loans and leases to deposits82.2099%2,645
Net loans and leases to core deposits86.3171%2,827
Total domestic deposits to total assets87.0380%2,124
Equity capital to assets12.3825%1,588
Core capital (leverage) ratio11.9735%1,618
Tier 1 risk-based capital ratio17.7369%1,930
Total risk-based capital ratio18.3386%2,080
Memoranda:
Average total assets$173,353,8003,241
Average earning assets$154,443,0003,317
Average equity$21,503,2003,022
Average total loans$121,282,6003,049
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9443%3,446
Cost of funding earning assets0.4789%2,276
Net interest margin3.4654%3,608
Noninterest income to average assets0.3320%4,416
Noninterest expense to average assets2.9289%2,548
Loan and lease loss provision to assets-0.0462%5,711
Net operating income to assets0.3336%5,204
Return on assets (ROA)0.3336%5,282
Pretax return on assets0.5377%5,044
Return on Equity (ROE)2.6879%5,306
Retained earnings to average equity (ytd only)2.6879%4,293
Net charge-offs to loans0.0676%2,357
Credit loss provision to net charge-offs-98.3607%4,755
Earnings coverage of net charge-offs (x)10.4592%2,570
Efficiency ratio85.6306%852
Assets per employee ($millions)4.0790%3,826
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.5561%5,660
Loan loss allowance to noncurrent loans229.6296%2,020
Noncurrent assets plus other real estate owned to assets1.2463%1,574
Noncurrent loans to loans0.2422%4,404
Net loans and leases to total assets69.5331%2,564
Net loans and leases to deposits80.0965%2,950
Net loans and leases to core deposits83.7855%3,146
Total domestic deposits to total assets86.8116%1,984
Equity capital to assets12.3776%1,853
Core capital (leverage) ratio11.7011%1,886
Tier 1 risk-based capital ratio17.3676%2,113
Total risk-based capital ratio17.9774%2,274
Memoranda:
Average total assets$173,078,2503,257
Average earning assets$154,242,7503,333
Average equity$21,478,5003,046
Average total loans$120,225,5003,071
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9632%3,377
Cost of funding earning assets0.4768%2,299
Net interest margin3.4864%3,537
Noninterest income to average assets0.2403%5,047
Noninterest expense to average assets2.8252%2,940
Loan and lease loss provision to assets-0.0580%5,833
Net operating income to assets0.3111%5,292
Return on assets (ROA)0.3111%5,381
Pretax return on assets0.5792%4,945
Return on Equity (ROE)2.5045%5,379
Retained earnings to average equity (ytd only)2.5045%4,288
Net charge-offs to loans0.0419%2,624
Credit loss provision to net charge-offs-200.0000%4,723
Earnings coverage of net charge-offs (x)17.9600%1,849
Efficiency ratio84.4259%1,008
Assets per employee ($millions)3.9589%3,985
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.5993%5,683
Loan loss allowance to noncurrent loans244.2953%1,932
Noncurrent assets plus other real estate owned to assets1.1682%1,804
Noncurrent loans to loans0.2453%4,473
Net loans and leases to total assets69.3145%2,581
Net loans and leases to deposits79.6692%2,972
Net loans and leases to core deposits82.8343%3,190
Total domestic deposits to total assets87.0029%1,917
Equity capital to assets12.3696%1,855
Core capital (leverage) ratio11.6068%1,903
Tier 1 risk-based capital ratio17.4508%2,083
Total risk-based capital ratio18.1115%2,228
Memoranda:
Average total assets$172,305,3303,286
Average earning assets$153,512,6703,358
Average equity$21,401,3303,060
Average total loans$119,420,3303,085
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9905%3,256
Cost of funding earning assets0.4804%2,273
Net interest margin3.5101%3,434
Noninterest income to average assets0.1494%5,593
Noninterest expense to average assets2.7684%3,192
Loan and lease loss provision to assets-0.1120%5,992
Net operating income to assets0.2708%5,377
Return on assets (ROA)0.2708%5,450
Pretax return on assets0.6139%4,776
Return on Equity (ROE)2.1755%5,462
Retained earnings to average equity (ytd only)2.1755%4,387
Net charge-offs to loans0.0878%1,617
Credit loss provision to net charge-offs-184.6154%4,336
Earnings coverage of net charge-offs (x)8.2692%2,069
Efficiency ratio84.6538%1,094
Assets per employee ($millions)3.8339%4,240
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.6120%5,728
Loan loss allowance to noncurrent loans142.1053%2,876
Noncurrent assets plus other real estate owned to assets1.4815%1,384
Noncurrent loans to loans0.4307%3,899
Net loans and leases to total assets68.6214%2,558
Net loans and leases to deposits78.8734%2,908
Net loans and leases to core deposits82.0186%3,126
Total domestic deposits to total assets87.0019%2,210
Equity capital to assets12.4011%1,749
Core capital (leverage) ratio11.6406%1,873
Tier 1 risk-based capital ratio17.5725%2,100
Total risk-based capital ratio18.2404%2,244
Memoranda:
Average total assets$171,361,5003,310
Average earning assets$152,361,5003,384
Average equity$21,328,5003,074
Average total loans$118,396,0003,109
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1378%2,778
Cost of funding earning assets0.5050%2,118
Net interest margin3.6328%3,005
Noninterest income to average assets0.4181%3,907
Noninterest expense to average assets3.0744%2,311
Loan and lease loss provision to assets0.0064%4,267
Net operating income to assets0.3509%5,213
Return on assets (ROA)0.3509%5,305
Pretax return on assets0.5515%4,987
Return on Equity (ROE)2.8582%5,350
Retained earnings to average equity (ytd only)2.8582%4,030
Net charge-offs to loans0.1295%2,081
Credit loss provision to net charge-offs7.0968%3,845
Earnings coverage of net charge-offs (x)6.1548%3,268
Efficiency ratio84.6402%1,127
Assets per employee ($millions)4.0523%3,843
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.6824%5,661
Loan loss allowance to noncurrent loans75.8979%4,225
Noncurrent assets plus other real estate owned to assets1.8937%967
Noncurrent loans to loans0.8991%2,539
Net loans and leases to total assets68.6677%2,593
Net loans and leases to deposits79.0427%2,936
Net loans and leases to core deposits81.8820%3,164
Total domestic deposits to total assets86.8741%2,204
Equity capital to assets12.4925%1,631
Core capital (leverage) ratio11.4654%1,985
Tier 1 risk-based capital ratio17.2841%2,189
Total risk-based capital ratio18.0285%2,318
Memoranda:
Average total assets$170,994,0003,288
Average earning assets$151,287,0003,385
Average equity$20,992,0003,072
Average total loans$119,724,8003,051
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1942%2,592
Cost of funding earning assets0.5094%2,126
Net interest margin3.6848%2,829
Noninterest income to average assets0.4564%3,665
Noninterest expense to average assets3.0888%2,252
Loan and lease loss provision to assets0.0109%4,052
Net operating income to assets0.4159%5,104
Return on assets (ROA)0.4159%5,191
Pretax return on assets0.6184%4,929
Return on Equity (ROE)3.4026%5,253
Retained earnings to average equity (ytd only)3.4026%4,049
Net charge-offs to loans0.1253%1,875
Credit loss provision to net charge-offs12.3894%3,429
Earnings coverage of net charge-offs (x)7.1506%2,947
Efficiency ratio83.0750%1,259
Assets per employee ($millions)4.3814%3,193
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.7237%5,677
Loan loss allowance to noncurrent loans507.7844%1,020
Noncurrent assets plus other real estate owned to assets1.1043%2,144
Noncurrent loans to loans0.1425%5,066
Net loans and leases to total assets68.0786%2,662
Net loans and leases to deposits78.3045%3,068
Net loans and leases to core deposits81.6465%3,290
Total domestic deposits to total assets86.9408%2,073
Equity capital to assets12.4131%1,789
Core capital (leverage) ratio11.5244%2,016
Tier 1 risk-based capital ratio16.8131%2,435
Total risk-based capital ratio17.5849%2,601
Memoranda:
Average total assets$171,193,0003,311
Average earning assets$151,537,7503,405
Average equity$20,924,5003,103
Average total loans$120,237,5003,071
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2533%2,339
Cost of funding earning assets0.5147%2,117
Net interest margin3.7386%2,547
Noninterest income to average assets0.3923%4,138
Noninterest expense to average assets3.0321%2,458
Loan and lease loss provision to assets0.0012%4,061
Net operating income to assets0.4203%5,079
Return on assets (ROA)0.4203%5,179
Pretax return on assets0.6667%4,770
Return on Equity (ROE)3.4567%5,253
Retained earnings to average equity (ytd only)3.4567%3,846
Net charge-offs to loans0.1484%1,601
Credit loss provision to net charge-offs1.1111%3,154
Earnings coverage of net charge-offs (x)6.3556%2,794
Efficiency ratio81.9501%1,494
Assets per employee ($millions)3.9874%3,908
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.7240%5,760
Loan loss allowance to noncurrent loans182.1656%2,402
Noncurrent assets plus other real estate owned to assets1.1408%2,228
Noncurrent loans to loans0.3974%4,291
Net loans and leases to total assets68.6162%2,553
Net loans and leases to deposits78.7807%2,926
Net loans and leases to core deposits82.2995%3,141
Total domestic deposits to total assets87.0977%2,113
Equity capital to assets12.2619%1,835
Core capital (leverage) ratio11.2874%2,175
Tier 1 risk-based capital ratio16.7654%2,502
Total risk-based capital ratio17.5593%2,667
Memoranda:
Average total assets$171,298,6703,326
Average earning assets$151,553,6703,426
Average equity$20,829,0003,128
Average total loans$121,257,3303,067
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2607%2,231
Cost of funding earning assets0.5233%2,075
Net interest margin3.7374%2,480
Noninterest income to average assets0.3154%4,665
Noninterest expense to average assets3.0721%2,357
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3387%5,286
Return on assets (ROA)0.3387%5,397
Pretax return on assets0.5467%5,055
Return on Equity (ROE)2.7977%5,446
Retained earnings to average equity (ytd only)2.7977%4,285
Net charge-offs to loans0.0913%1,806
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)8.3571%2,092
Efficiency ratio84.8935%1,280
Assets per employee ($millions)4.0128%3,933
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.7449%5,816
Loan loss allowance to noncurrent loans183.8000%2,373
Noncurrent assets plus other real estate owned to assets1.1504%2,336
Noncurrent loans to loans0.4053%4,376
Net loans and leases to total assets70.9678%1,982
Net loans and leases to deposits81.2893%2,412
Net loans and leases to core deposits85.1097%2,641
Total domestic deposits to total assets87.3028%2,215
Equity capital to assets12.0637%1,989
Core capital (leverage) ratio11.0818%2,331
Tier 1 risk-based capital ratio16.2347%2,809
Total risk-based capital ratio17.0690%2,942
Memoranda:
Average total assets$171,219,0003,339
Average earning assets$151,337,0003,443
Average equity$20,731,5003,162
Average total loans$122,633,0003,050
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0162%3,669
Cost of funding earning assets0.5894%1,861
Net interest margin3.4268%4,078
Noninterest income to average assets0.4020%4,165
Noninterest expense to average assets3.0397%2,724
Loan and lease loss provision to assets0.1599%1,643
Net operating income to assets0.2869%5,548
Return on assets (ROA)0.2869%5,618
Pretax return on assets0.2449%5,797
Return on Equity (ROE)2.4821%5,638
Retained earnings to average equity (ytd only)2.4821%4,466
Net charge-offs to loans0.1343%2,675
Credit loss provision to net charge-offs180.7692%1,344
Earnings coverage of net charge-offs (x)4.5769%3,618
Efficiency ratio88.2469%973
Assets per employee ($millions)3.7753%4,392
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.7769%5,834
Loan loss allowance to noncurrent loans183.8835%2,396
Noncurrent assets plus other real estate owned to assets1.7718%1,482
Noncurrent loans to loans0.4225%4,373
Net loans and leases to total assets71.1910%2,047
Net loans and leases to deposits81.6666%2,513
Net loans and leases to core deposits85.3155%2,749
Total domestic deposits to total assets87.1727%2,184
Equity capital to assets12.1533%1,900
Core capital (leverage) ratio11.0469%2,360
Tier 1 risk-based capital ratio16.3803%2,771
Total risk-based capital ratio17.2430%2,907
Memoranda:
Average total assets$176,368,4003,253
Average earning assets$156,591,0003,330
Average equity$20,385,8003,118
Average total loans$116,154,4003,110
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9401%4,008
Cost of funding earning assets0.6011%1,819
Net interest margin3.3390%4,473
Noninterest income to average assets0.3169%4,904
Noninterest expense to average assets3.0263%2,715
Loan and lease loss provision to assets0.0367%3,671
Net operating income to assets0.2869%5,631
Return on assets (ROA)0.2869%5,698
Pretax return on assets0.2247%5,912
Return on Equity (ROE)2.5130%5,700
Retained earnings to average equity (ytd only)2.5130%4,792
Net charge-offs to loans0.1232%2,580
Credit loss provision to net charge-offs46.2264%3,171
Earnings coverage of net charge-offs (x)3.2924%3,691
Efficiency ratio92.0483%708
Assets per employee ($millions)3.7461%4,407
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.6481%6,170
Loan loss allowance to noncurrent loans47.7799%5,226
Noncurrent assets plus other real estate owned to assets1.8158%1,631
Noncurrent loans to loans1.3565%2,378
Net loans and leases to total assets67.9623%2,537
Net loans and leases to deposits77.7515%2,977
Net loans and leases to core deposits81.5909%3,138
Total domestic deposits to total assets87.4096%2,087
Equity capital to assets11.8987%2,153
Core capital (leverage) ratio10.8045%2,690
Tier 1 risk-based capital ratio16.8056%2,688
Total risk-based capital ratio17.5397%2,859
Memoranda:
Average total assets$177,988,5003,257
Average earning assets$158,369,0003,328
Average equity$20,320,5003,135
Average total loans$114,720,0003,151
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8784%4,228
Cost of funding earning assets0.6077%1,836
Net interest margin3.2706%4,700
Noninterest income to average assets0.2279%5,575
Noninterest expense to average assets2.9843%2,894
Loan and lease loss provision to assets0.0100%4,037
Net operating income to assets0.2780%5,642
Return on assets (ROA)0.2780%5,715
Pretax return on assets0.1479%6,028
Return on Equity (ROE)2.4680%5,708
Retained earnings to average equity (ytd only)2.4680%4,635
Net charge-offs to loans0.0809%2,880
Credit loss provision to net charge-offs19.5652%3,210
Earnings coverage of net charge-offs (x)3.0870%3,390
Efficiency ratio94.9752%603
Assets per employee ($millions)3.9641%3,918
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.6807%6,203
Loan loss allowance to noncurrent loans37.4940%5,577
Noncurrent assets plus other real estate owned to assets2.0299%1,570
Noncurrent loans to loans1.8155%1,887
Net loans and leases to total assets64.1261%3,056
Net loans and leases to deposits72.9499%3,455
Net loans and leases to core deposits76.3953%3,590
Total domestic deposits to total assets87.9043%1,960
Equity capital to assets11.4252%2,491
Core capital (leverage) ratio10.3435%3,144
Tier 1 risk-based capital ratio16.8997%2,664
Total risk-based capital ratio17.6787%2,822
Memoranda:
Average total assets$179,877,3303,251
Average earning assets$160,274,0003,320
Average equity$20,259,3303,143
Average total loans$113,667,3303,178
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8389%4,324
Cost of funding earning assets0.6282%1,748
Net interest margin3.2107%4,890
Noninterest income to average assets0.2192%5,604
Noninterest expense to average assets2.8723%3,306
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5005%4,685
Return on assets (ROA)0.5005%4,769
Pretax return on assets0.2104%5,905
Return on Equity (ROE)4.4756%4,805
Retained earnings to average equity (ytd only)4.4756%3,435
Net charge-offs to loans0.0567%2,592
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)5.9375%2,308
Efficiency ratio93.1753%802
Assets per employee ($millions)4.2117%3,504
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.7000%6,281
Loan loss allowance to noncurrent loans33.8093%5,746
Noncurrent assets plus other real estate owned to assets2.1595%1,540
Noncurrent loans to loans2.0705%1,786
Net loans and leases to total assets63.0516%3,066
Net loans and leases to deposits71.5492%3,400
Net loans and leases to core deposits74.7325%3,565
Total domestic deposits to total assets88.1234%2,156
Equity capital to assets11.2250%2,502
Core capital (leverage) ratio10.1569%3,341
Tier 1 risk-based capital ratio16.7005%2,813
Total risk-based capital ratio17.4892%3,000
Memoranda:
Average total assets$180,623,0003,268
Average earning assets$161,086,5003,335
Average equity$20,198,5003,154
Average total loans$112,913,0003,204
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6917%5,160
Cost of funding earning assets0.8310%1,034
Net interest margin2.8608%5,880
Noninterest income to average assets0.1546%6,164
Noninterest expense to average assets2.8836%3,421
Loan and lease loss provision to assets0.4996%561
Net operating income to assets-0.4356%6,469
Return on assets (ROA)-0.4356%6,482
Pretax return on assets-0.6697%6,532
Return on Equity (ROE)-3.9586%6,456
Retained earnings to average equity (ytd only)-3.9586%6,318
Net charge-offs to loans0.7500%852
Credit loss provision to net charge-offs113.3011%2,131
Earnings coverage of net charge-offs (x)-0.3857%5,180
Efficiency ratio106.2684%335
Assets per employee ($millions)4.0941%3,671
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.7408%6,289
Loan loss allowance to noncurrent loans33.7305%5,826
Noncurrent assets plus other real estate owned to assets2.2005%1,624
Noncurrent loans to loans2.1961%1,779
Net loans and leases to total assets61.0690%3,521
Net loans and leases to deposits69.2682%3,875
Net loans and leases to core deposits72.3666%4,024
Total domestic deposits to total assets88.1632%2,080
Equity capital to assets11.1401%2,485
Core capital (leverage) ratio10.2084%3,285
Tier 1 risk-based capital ratio17.7030%2,341
Total risk-based capital ratio18.5411%2,469
Memoranda:
Average total assets$187,542,6003,192
Average earning assets$167,752,6003,246
Average equity$20,638,8003,087
Average total loans$110,269,2003,240
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6762%5,234
Cost of funding earning assets0.8752%927
Net interest margin2.8010%6,017
Noninterest income to average assets0.1183%6,422
Noninterest expense to average assets2.8223%3,586
Loan and lease loss provision to assets0.1429%2,498
Net operating income to assets-0.1359%6,420
Return on assets (ROA)-0.1359%6,447
Pretax return on assets-0.3393%6,539
Return on Equity (ROE)-1.2383%6,440
Retained earnings to average equity (ytd only)-1.2383%6,167
Net charge-offs to loans0.4467%1,434
Credit loss provision to net charge-offs55.0136%3,399
Earnings coverage of net charge-offs (x)-0.7561%4,982
Efficiency ratio107.4799%307
Assets per employee ($millions)3.7423%4,364
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.4990%6,655
Loan loss allowance to noncurrent loans22.5021%6,189
Noncurrent assets plus other real estate owned to assets2.1552%1,854
Noncurrent loans to loans2.2176%2,000
Net loans and leases to total assets59.2639%3,813
Net loans and leases to deposits67.3000%4,141
Net loans and leases to core deposits70.3287%4,289
Total domestic deposits to total assets88.0593%2,097
Equity capital to assets11.2923%2,477
Core capital (leverage) ratio10.4614%3,048
Tier 1 risk-based capital ratio18.6306%2,104
Total risk-based capital ratio19.2004%2,309
Memoranda:
Average total assets$189,392,7503,193
Average earning assets$169,554,0003,250
Average equity$20,781,5003,100
Average total loans$110,128,5003,265
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6343%5,340
Cost of funding earning assets0.9226%809
Net interest margin2.7117%6,165
Noninterest income to average assets0.0157%6,754
Noninterest expense to average assets2.7545%3,842
Loan and lease loss provision to assets0.1641%2,278
Net operating income to assets-0.2111%6,494
Return on assets (ROA)-0.2111%6,528
Pretax return on assets-0.4734%6,619
Return on Equity (ROE)-1.9417%6,523
Retained earnings to average equity (ytd only)-1.9417%6,187
Net charge-offs to loans0.6683%985
Credit loss provision to net charge-offs42.5474%3,372
Earnings coverage of net charge-offs (x)-0.8022%4,694
Efficiency ratio112.6496%243
Assets per employee ($millions)4.0428%3,702
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.4623%6,733
Loan loss allowance to noncurrent loans19.8094%6,312
Noncurrent assets plus other real estate owned to assets2.1309%2,022
Noncurrent loans to loans2.3335%2,019
Net loans and leases to total assets56.5494%4,201
Net loans and leases to deposits63.9355%4,514
Net loans and leases to core deposits66.9742%4,595
Total domestic deposits to total assets88.4475%1,951
Equity capital to assets10.8904%2,862
Core capital (leverage) ratio10.1034%3,363
Tier 1 risk-based capital ratio19.2516%1,924
Total risk-based capital ratio19.7820%2,091
Memoranda:
Average total assets$191,399,3303,174
Average earning assets$171,477,0003,230
Average equity$20,806,3303,113
Average total loans$110,431,6703,266
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6322%5,355
Cost of funding earning assets0.9715%699
Net interest margin2.6607%6,283
Noninterest income to average assets-0.3811%6,975
Noninterest expense to average assets2.7778%3,773
Loan and lease loss provision to assets0.3040%1,129
Net operating income to assets-0.5185%6,679
Return on assets (ROA)-0.5185%6,705
Pretax return on assets-1.0849%6,822
Return on Equity (ROE)-4.7740%6,684
Retained earnings to average equity (ytd only)-4.7740%6,349
Net charge-offs to loans0.7558%803
Credit loss provision to net charge-offs69.1943%2,310
Earnings coverage of net charge-offs (x)-1.7773%4,010
Efficiency ratio139.1032%111
Assets per employee ($millions)4.1042%3,736
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.5834%6,724
Loan loss allowance to noncurrent loans14.6918%6,447
Noncurrent assets plus other real estate owned to assets3.1374%1,402
Noncurrent loans to loans3.9708%1,141
Net loans and leases to total assets57.0698%3,910
Net loans and leases to deposits64.3964%4,268
Net loans and leases to core deposits67.3229%4,372
Total domestic deposits to total assets88.6225%1,914
Equity capital to assets10.7512%3,257
Core capital (leverage) ratio9.9460%3,464
Tier 1 risk-based capital ratio18.8027%2,094
Total risk-based capital ratio19.4672%2,250
Memoranda:
Average total assets$192,093,5003,195
Average earning assets$171,685,5003,261
Average equity$20,863,0003,152
Average total loans$111,673,0003,253
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8668%5,678
Cost of funding earning assets1.1874%618
Net interest margin2.6795%6,546
Noninterest income to average assets0.5208%3,768
Noninterest expense to average assets2.8598%3,811
Loan and lease loss provision to assets0.0272%5,556
Net operating income to assets0.0657%6,065
Return on assets (ROA)0.0657%6,212
Pretax return on assets0.0246%6,254
Return on Equity (ROE)0.6120%6,198
Retained earnings to average equity (ytd only)0.6120%5,547
Net charge-offs to loans0.3861%2,708
Credit loss provision to net charge-offs11.8304%5,377
Earnings coverage of net charge-offs (x)0.2254%5,367
Efficiency ratio98.2203%622
Assets per employee ($millions)3.9852%3,980
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.6314%6,718
Loan loss allowance to noncurrent loans14.6689%6,499
Noncurrent assets plus other real estate owned to assets4.2972%976
Noncurrent loans to loans4.3041%1,025
Net loans and leases to total assets58.4992%3,883
Net loans and leases to deposits66.2436%4,249
Net loans and leases to core deposits69.0421%4,435
Total domestic deposits to total assets88.3093%2,025
Equity capital to assets10.9714%2,985
Core capital (leverage) ratio10.2901%3,025
Tier 1 risk-based capital ratio18.6835%2,053
Total risk-based capital ratio19.3875%2,179
Memoranda:
Average total assets$194,909,4003,113
Average earning assets$173,915,2003,174
Average equity$20,914,6003,094
Average total loans$116,036,0003,163
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8773%5,839
Cost of funding earning assets1.2274%609
Net interest margin2.6499%6,703
Noninterest income to average assets0.5454%3,638
Noninterest expense to average assets2.8428%3,832
Loan and lease loss provision to assets0.0272%5,441
Net operating income to assets0.0906%6,142
Return on assets (ROA)0.0906%6,285
Pretax return on assets0.0422%6,350
Return on Equity (ROE)0.8486%6,274
Retained earnings to average equity (ytd only)0.8486%5,824
Net charge-offs to loans0.4106%2,455
Credit loss provision to net charge-offs11.1111%5,063
Earnings coverage of net charge-offs (x)0.2833%5,185
Efficiency ratio97.6152%617
Assets per employee ($millions)3.9353%4,003
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.6892%6,760
Loan loss allowance to noncurrent loans15.9109%6,582
Noncurrent assets plus other real estate owned to assets4.1135%1,167
Noncurrent loans to loans4.3319%1,120
Net loans and leases to total assets58.7316%4,003
Net loans and leases to deposits66.4369%4,420
Net loans and leases to core deposits69.5585%4,553
Total domestic deposits to total assets88.4021%1,788
Equity capital to assets10.8879%3,397
Core capital (leverage) ratio10.2320%3,253
Tier 1 risk-based capital ratio18.7883%2,078
Total risk-based capital ratio19.5662%2,199
Memoranda:
Average total assets$195,814,7503,127
Average earning assets$174,893,0003,200
Average equity$20,896,5003,126
Average total loans$116,891,7503,186
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9079%5,889
Cost of funding earning assets1.2632%612
Net interest margin2.6447%6,778
Noninterest income to average assets0.5670%3,477
Noninterest expense to average assets2.8555%3,796
Loan and lease loss provision to assets0.0528%5,005
Net operating income to assets0.0528%6,252
Return on assets (ROA)0.0528%6,390
Pretax return on assets0.0203%6,423
Return on Equity (ROE)0.4985%6,390
Retained earnings to average equity (ytd only)0.4985%5,868
Net charge-offs to loans0.4192%2,354
Credit loss provision to net charge-offs21.0526%4,586
Earnings coverage of net charge-offs (x)0.2915%4,934
Efficiency ratio97.5017%641
Assets per employee ($millions)4.4681%2,967
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8058%6,656
Loan loss allowance to noncurrent loans17.0791%6,599
Noncurrent assets plus other real estate owned to assets4.1114%1,225
Noncurrent loans to loans4.7179%1,092
Net loans and leases to total assets57.0443%4,320
Net loans and leases to deposits64.3434%4,716
Net loans and leases to core deposits67.0858%4,887
Total domestic deposits to total assets88.6560%1,734
Equity capital to assets10.6374%3,530
Core capital (leverage) ratio10.0108%3,408
Tier 1 risk-based capital ratio18.8035%2,027
Total risk-based capital ratio19.7041%2,102
Memoranda:
Average total assets$196,810,3303,126
Average earning assets$175,745,0003,195
Average equity$20,863,6703,122
Average total loans$117,843,3303,183
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9983%5,758
Cost of funding earning assets1.3062%618
Net interest margin2.6921%6,779
Noninterest income to average assets0.2742%5,678
Noninterest expense to average assets2.9129%3,576
Loan and lease loss provision to assets-0.0061%7,095
Net operating income to assets-0.0894%6,525
Return on assets (ROA)-0.0894%6,610
Pretax return on assets-0.2336%6,689
Return on Equity (ROE)-0.8446%6,612
Retained earnings to average equity (ytd only)-0.8446%6,133
Net charge-offs to loans-0.0100%5,942
Credit loss provision to net charge-offs100.0000%2,289
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio108.9666%355
Assets per employee ($millions)4.3563%3,290
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9364%6,453
Loan loss allowance to noncurrent loans17.1367%6,640
Noncurrent assets plus other real estate owned to assets4.7543%1,109
Noncurrent loans to loans5.4640%975
Net loans and leases to total assets59.6900%3,734
Net loans and leases to deposits67.3346%4,175
Net loans and leases to core deposits70.2897%4,373
Total domestic deposits to total assets88.6468%1,921
Equity capital to assets10.6191%3,362
Core capital (leverage) ratio9.8910%3,515
Tier 1 risk-based capital ratio16.9506%2,702
Total risk-based capital ratio17.9474%2,770
Memoranda:
Average total assets$196,916,5003,147
Average earning assets$175,475,5003,220
Average equity$20,839,0003,126
Average total loans$120,235,5003,150
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2394%5,946
Cost of funding earning assets1.4671%811
Net interest margin2.7723%6,851
Noninterest income to average assets0.3123%5,310
Noninterest expense to average assets2.5673%5,213
Loan and lease loss provision to assets0.0171%6,349
Net operating income to assets0.1959%5,603
Return on assets (ROA)0.1959%5,731
Pretax return on assets0.2025%5,782
Return on Equity (ROE)1.8823%5,706
Retained earnings to average equity (ytd only)1.8823%4,865
Net charge-offs to loans0.1984%4,555
Credit loss provision to net charge-offs13.9344%5,982
Earnings coverage of net charge-offs (x)1.7869%4,443
Efficiency ratio92.1200%1,038
Assets per employee ($millions)4.2085%3,450
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9072%6,518
Loan loss allowance to noncurrent loans28.1941%6,292
Noncurrent assets plus other real estate owned to assets3.4535%1,718
Noncurrent loans to loans3.2177%2,008
Net loans and leases to total assets61.2958%3,728
Net loans and leases to deposits69.1174%4,257
Net loans and leases to core deposits71.9923%4,536
Total domestic deposits to total assets88.6835%1,732
Equity capital to assets10.5465%3,479
Core capital (leverage) ratio9.8524%3,514
Tier 1 risk-based capital ratio16.8695%2,659
Total risk-based capital ratio17.8378%2,754
Memoranda:
Average total assets$198,536,6003,071
Average earning assets$177,218,8003,126
Average equity$20,666,4003,048
Average total loans$122,974,0003,121
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2208%6,157
Cost of funding earning assets1.4954%882
Net interest margin2.7254%6,968
Noninterest income to average assets0.3073%5,400
Noninterest expense to average assets2.5630%5,223
Loan and lease loss provision to assets-0.0423%7,323
Net operating income to assets0.2201%5,647
Return on assets (ROA)0.2201%5,781
Pretax return on assets0.2187%5,864
Return on Equity (ROE)2.1211%5,735
Retained earnings to average equity (ytd only)2.1211%5,078
Net charge-offs to loans0.1343%4,715
Credit loss provision to net charge-offs-50.8065%6,471
Earnings coverage of net charge-offs (x)2.1210%4,080
Efficiency ratio93.5587%943
Assets per employee ($millions)4.2009%3,439
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9235%6,526
Loan loss allowance to noncurrent loans19.3841%6,697
Noncurrent assets plus other real estate owned to assets4.4261%1,359
Noncurrent loans to loans4.7644%1,351
Net loans and leases to total assets61.5617%3,827
Net loans and leases to deposits69.4227%4,397
Net loans and leases to core deposits71.9436%4,720
Total domestic deposits to total assets88.6766%1,644
Equity capital to assets10.5348%3,661
Core capital (leverage) ratio9.8646%3,627
Tier 1 risk-based capital ratio16.7964%2,723
Total risk-based capital ratio17.7808%2,810
Memoranda:
Average total assets$198,720,7503,090
Average earning assets$177,341,5003,144
Average equity$20,617,7503,060
Average total loans$123,129,2503,144
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2494%6,161
Cost of funding earning assets1.5193%942
Net interest margin2.7301%6,996
Noninterest income to average assets0.2370%5,958
Noninterest expense to average assets2.5519%5,347
Loan and lease loss provision to assets-0.0633%7,406
Net operating income to assets0.2260%5,642
Return on assets (ROA)0.2260%5,762
Pretax return on assets0.1828%5,966
Return on Equity (ROE)2.1890%5,726
Retained earnings to average equity (ytd only)2.1890%4,896
Net charge-offs to loans-0.0211%6,834
Credit loss provision to net charge-offs484.6154%639
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.5263%902
Assets per employee ($millions)4.2726%3,210
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0540%6,124
Loan loss allowance to noncurrent loans31.7977%6,154
Noncurrent assets plus other real estate owned to assets3.9933%1,606
Noncurrent loans to loans3.3148%2,156
Net loans and leases to total assets59.3696%4,403
Net loans and leases to deposits66.7727%4,887
Net loans and leases to core deposits69.1255%5,171
Total domestic deposits to total assets88.9129%1,587
Equity capital to assets10.3068%3,741
Core capital (leverage) ratio9.6480%3,738
Tier 1 risk-based capital ratio16.8561%2,584
Total risk-based capital ratio17.9692%2,599
Memoranda:
Average total assets$199,147,3303,109
Average earning assets$177,577,0003,167
Average equity$20,557,0003,057
Average total loans$123,278,6703,163
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2744%6,085
Cost of funding earning assets1.5364%1,027
Net interest margin2.7380%6,979
Noninterest income to average assets0.1977%6,308
Noninterest expense to average assets2.6503%5,036
Loan and lease loss provision to assets-0.1130%7,488
Net operating income to assets0.0605%6,209
Return on assets (ROA)0.0605%6,254
Pretax return on assets0.1008%6,164
Return on Equity (ROE)0.5857%6,247
Retained earnings to average equity (ytd only)0.5857%5,598
Net charge-offs to loans-0.0578%6,930
Credit loss provision to net charge-offs311.1111%1,037
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.4587%720
Assets per employee ($millions)4.2356%3,382
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0596%6,188
Loan loss allowance to noncurrent loans31.5118%6,198
Noncurrent assets plus other real estate owned to assets4.1317%1,605
Noncurrent loans to loans3.3624%2,226
Net loans and leases to total assets61.4016%3,984
Net loans and leases to deposits69.0822%4,518
Net loans and leases to core deposits71.3159%4,886
Total domestic deposits to total assets88.8820%1,852
Equity capital to assets10.2987%3,418
Core capital (leverage) ratio9.7388%3,475
Tier 1 risk-based capital ratio16.5905%2,625
Total risk-based capital ratio17.7176%2,652
Memoranda:
Average total assets$198,316,0003,138
Average earning assets$176,774,5003,200
Average equity$20,487,0003,053
Average total loans$124,673,0003,164
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8641%5,176
Cost of funding earning assets1.7303%1,462
Net interest margin3.1338%6,428
Noninterest income to average assets0.7662%2,452
Noninterest expense to average assets2.6167%5,346
Loan and lease loss provision to assets0.8829%1,853
Net operating income to assets0.0791%5,640
Return on assets (ROA)0.0791%5,774
Pretax return on assets0.0656%5,768
Return on Equity (ROE)0.7736%5,761
Retained earnings to average equity (ytd only)0.7736%5,167
Net charge-offs to loans1.6195%1,338
Credit loss provision to net charge-offs79.4144%5,580
Earnings coverage of net charge-offs (x)0.8532%5,280
Efficiency ratio73.3951%3,506
Assets per employee ($millions)4.1158%3,544
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.0707%6,073
Loan loss allowance to noncurrent loans60.0535%4,426
Noncurrent assets plus other real estate owned to assets3.1368%2,257
Noncurrent loans to loans1.7829%3,841
Net loans and leases to total assets62.9969%4,073
Net loans and leases to deposits70.9652%4,689
Net loans and leases to core deposits73.5382%5,036
Total domestic deposits to total assets88.7715%1,786
Equity capital to assets10.3625%3,321
Core capital (leverage) ratio9.8450%3,270
Tier 1 risk-based capital ratio16.4736%2,529
Total risk-based capital ratio17.6211%2,542
Memoranda:
Average total assets$199,677,0003,107
Average earning assets$178,348,6003,140
Average equity$20,425,2003,089
Average total loans$137,078,2002,998
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9131%5,207
Cost of funding earning assets1.7574%1,600
Net interest margin3.1557%6,467
Noninterest income to average assets0.8711%1,907
Noninterest expense to average assets2.5979%5,334
Loan and lease loss provision to assets1.0156%1,457
Net operating income to assets0.0773%5,824
Return on assets (ROA)0.0773%5,970
Pretax return on assets0.0786%5,954
Return on Equity (ROE)0.7576%5,955
Retained earnings to average equity (ytd only)0.7576%5,501
Net charge-offs to loans1.9881%952
Credit loss provision to net charge-offs73.1064%5,337
Earnings coverage of net charge-offs (x)0.7876%5,259
Efficiency ratio70.3644%3,990
Assets per employee ($millions)4.0156%3,801
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.9256%6,656
Loan loss allowance to noncurrent loans52.2708%4,804
Noncurrent assets plus other real estate owned to assets2.7774%2,608
Noncurrent loans to loans1.7708%3,991
Net loans and leases to total assets67.6181%3,303
Net loans and leases to deposits76.2496%4,135
Net loans and leases to core deposits78.7518%4,707
Total domestic deposits to total assets88.6798%1,574
Equity capital to assets10.3860%3,662
Core capital (leverage) ratio10.1005%3,149
Tier 1 risk-based capital ratio16.2147%2,663
Total risk-based capital ratio17.2321%2,723
Memoranda:
Average total assets$200,206,5003,135
Average earning assets$178,971,2503,173
Average equity$20,413,5003,134
Average total loans$139,897,0002,983
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8823%5,476
Cost of funding earning assets1.7551%1,842
Net interest margin3.1272%6,527
Noninterest income to average assets0.2384%6,199
Noninterest expense to average assets2.6064%5,301
Loan and lease loss provision to assets0.3457%3,653
Net operating income to assets0.0636%5,962
Return on assets (ROA)0.0636%6,061
Pretax return on assets0.1093%5,961
Return on Equity (ROE)0.6273%6,054
Retained earnings to average equity (ytd only)0.6273%5,514
Net charge-offs to loans1.5490%1,232
Credit loss provision to net charge-offs31.6940%5,707
Earnings coverage of net charge-offs (x)0.4171%5,306
Efficiency ratio85.1395%1,806
Assets per employee ($millions)4.0214%3,734
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7614%7,119
Loan loss allowance to noncurrent loans17.3099%7,064
Noncurrent assets plus other real estate owned to assets4.2299%1,589
Noncurrent loans to loans4.3988%1,665
Net loans and leases to total assets68.3190%3,285
Net loans and leases to deposits76.7570%4,196
Net loans and leases to core deposits79.1958%4,782
Total domestic deposits to total assets89.0068%1,436
Equity capital to assets10.1452%3,838
Core capital (leverage) ratio10.1358%3,015
Tier 1 risk-based capital ratio16.0619%2,645
Total risk-based capital ratio16.8926%2,793
Memoranda:
Average total assets$201,354,0003,148
Average earning assets$181,758,0003,176
Average equity$20,406,0003,124
Average total loans$141,765,6702,981
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9172%5,376
Cost of funding earning assets1.7829%1,951
Net interest margin3.1343%6,506
Noninterest income to average assets0.2243%6,357
Noninterest expense to average assets2.6283%5,235
Loan and lease loss provision to assets0.0735%5,906
Net operating income to assets0.2223%5,607
Return on assets (ROA)0.2223%5,727
Pretax return on assets0.3494%5,459
Return on Equity (ROE)2.1951%5,680
Retained earnings to average equity (ytd only)2.1951%4,814
Net charge-offs to loans1.2549%1,356
Credit loss provision to net charge-offs8.2222%5,066
Earnings coverage of net charge-offs (x)0.4733%4,601
Efficiency ratio86.1418%1,780
Assets per employee ($millions)4.0952%3,652
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9750%6,575
Loan loss allowance to noncurrent loans15.5488%7,190
Noncurrent assets plus other real estate owned to assets5.6622%1,080
Noncurrent loans to loans6.2704%1,022
Net loans and leases to total assets70.4054%2,826
Net loans and leases to deposits79.2313%3,794
Net loans and leases to core deposits79.7268%4,792
Total domestic deposits to total assets88.8605%1,591
Equity capital to assets10.1971%3,616
Core capital (leverage) ratio10.1810%2,950
Tier 1 risk-based capital ratio15.6872%2,787
Total risk-based capital ratio16.7555%2,816
Memoranda:
Average total assets$201,496,0003,203
Average earning assets$181,728,5003,234
Average equity$20,409,5003,148
Average total loans$143,437,0003,014
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1938%5,675
Cost of funding earning assets2.3595%1,427
Net interest margin2.8343%7,002
Noninterest income to average assets0.2566%6,275
Noninterest expense to average assets2.6174%5,722
Loan and lease loss provision to assets0.4239%4,284
Net operating income to assets-0.2629%5,912
Return on assets (ROA)-0.2513%5,898
Pretax return on assets-0.1876%5,687
Return on Equity (ROE)-2.5244%5,924
Retained earnings to average equity (ytd only)-2.5244%5,618
Net charge-offs to loans-0.0165%7,775
Credit loss provision to net charge-offs-3,662.5000%7,490
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.0923%1,562
Assets per employee ($millions)3.9672%3,884
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.2510%5,043
Loan loss allowance to noncurrent loans53.9958%4,748
Noncurrent assets plus other real estate owned to assets2.8454%2,467
Noncurrent loans to loans2.3169%3,270
Net loans and leases to total assets70.3811%3,165
Net loans and leases to deposits79.9596%4,004
Net loans and leases to core deposits102.4785%3,749
Total domestic deposits to total assets88.0209%1,967
Equity capital to assets10.0614%3,678
Core capital (leverage) ratio10.0423%3,043
Tier 1 risk-based capital ratio15.5491%2,696
Total risk-based capital ratio16.8006%2,645
Memoranda:
Average total assets$207,341,6003,092
Average earning assets$189,147,4003,103
Average equity$20,638,4003,117
Average total loans$145,845,4002,983
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1879%5,925
Cost of funding earning assets2.4912%1,329
Net interest margin2.6967%7,209
Noninterest income to average assets0.2122%6,712
Noninterest expense to average assets2.6194%5,647
Loan and lease loss provision to assets0.3976%3,929
Net operating income to assets-0.4136%6,337
Return on assets (ROA)-0.3982%6,317
Pretax return on assets-0.3228%6,123
Return on Equity (ROE)-4.0111%6,339
Retained earnings to average equity (ytd only)-4.0111%6,111
Net charge-offs to loans0.0046%6,914
Credit loss provision to net charge-offs12,440.0000%24
Earnings coverage of net charge-offs (x)18.5907%1,342
Efficiency ratio97.7810%1,172
Assets per employee ($millions)3.9923%3,745
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.0541%5,988
Loan loss allowance to noncurrent loans45.7780%5,260
Noncurrent assets plus other real estate owned to assets2.8152%2,463
Noncurrent loans to loans2.3026%3,263
Net loans and leases to total assets69.9843%3,518
Net loans and leases to deposits79.4532%4,487
Net loans and leases to core deposits103.6644%3,980
Total domestic deposits to total assets88.0824%1,619
Equity capital to assets9.9579%4,139
Core capital (leverage) ratio9.9300%3,366
Tier 1 risk-based capital ratio15.4586%2,847
Total risk-based capital ratio16.6196%2,824
Memoranda:
Average total assets$208,595,2503,100
Average earning assets$190,798,5003,108
Average equity$20,708,7503,137
Average total loans$146,255,7503,012
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1877%6,126
Cost of funding earning assets2.5772%1,352
Net interest margin2.6104%7,350
Noninterest income to average assets0.2359%6,595
Noninterest expense to average assets2.6491%5,562
Loan and lease loss provision to assets-0.0105%8,143
Net operating income to assets-0.2619%6,276
Return on assets (ROA)-0.2473%6,272
Pretax return on assets0.0152%5,831
Return on Equity (ROE)-2.4936%6,297
Retained earnings to average equity (ytd only)-2.4936%5,863
Net charge-offs to loans0.0231%6,170
Credit loss provision to net charge-offs-64.7059%6,927
Earnings coverage of net charge-offs (x)-1.1176%6,253
Efficiency ratio100.6869%1,144
Assets per employee ($millions)4.1192%3,452
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.6125%7,613
Loan loss allowance to noncurrent loans64.7146%4,199
Noncurrent assets plus other real estate owned to assets1.7898%3,492
Noncurrent loans to loans0.9465%5,334
Net loans and leases to total assets67.4248%4,269
Net loans and leases to deposits76.3961%5,109
Net loans and leases to core deposits99.5173%4,551
Total domestic deposits to total assets88.2569%1,644
Equity capital to assets9.8320%4,175
Core capital (leverage) ratio9.7976%3,524
Tier 1 risk-based capital ratio15.6047%2,764
Total risk-based capital ratio16.2668%2,949
Memoranda:
Average total assets$210,258,0003,100
Average earning assets$192,919,3303,110
Average equity$20,853,3303,119
Average total loans$147,004,0003,029
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2974%5,903
Cost of funding earning assets2.6147%1,513
Net interest margin2.6827%7,243
Noninterest income to average assets0.1749%7,058
Noninterest expense to average assets2.5976%5,457
Loan and lease loss provision to assets-0.0209%8,181
Net operating income to assets0.0605%6,094
Return on assets (ROA)0.0989%6,149
Pretax return on assets0.1179%6,124
Return on Equity (ROE)0.9927%6,125
Retained earnings to average equity (ytd only)0.9927%5,245
Net charge-offs to loans-0.0134%7,345
Credit loss provision to net charge-offs220.0000%2,053
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.0617%1,216
Assets per employee ($millions)4.3166%3,042
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6198%7,625
Loan loss allowance to noncurrent loans69.7040%4,111
Noncurrent assets plus other real estate owned to assets1.8670%3,119
Noncurrent loans to loans0.8891%5,226
Net loans and leases to total assets67.8511%4,173
Net loans and leases to deposits76.9248%5,094
Net loans and leases to core deposits101.3231%4,409
Total domestic deposits to total assets88.2045%1,646
Equity capital to assets9.9195%4,087
Core capital (leverage) ratio9.8799%3,547
Tier 1 risk-based capital ratio15.6439%2,799
Total risk-based capital ratio16.3142%2,977
Memoranda:
Average total assets$210,347,0003,113
Average earning assets$193,983,5003,095
Average equity$20,952,5003,125
Average total loans$149,246,5003,014
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7559%6,574
Cost of funding earning assets3.1066%1,487
Net interest margin2.6493%7,580
Noninterest income to average assets0.2345%6,761
Noninterest expense to average assets2.7742%4,935
Loan and lease loss provision to assets0.3323%3,736
Net operating income to assets-0.1398%6,548
Return on assets (ROA)-0.1030%6,351
Pretax return on assets-0.3604%6,508
Return on Equity (ROE)-1.0440%6,375
Retained earnings to average equity (ytd only)-1.0440%5,615
Net charge-offs to loans0.4363%2,648
Credit loss provision to net charge-offs102.4531%5,197
Earnings coverage of net charge-offs (x)-0.2641%6,402
Efficiency ratio103.1859%888
Assets per employee ($millions)3.6698%4,240
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.5847%7,705
Loan loss allowance to noncurrent loans58.9274%5,061
Noncurrent assets plus other real estate owned to assets1.8491%2,673
Noncurrent loans to loans0.9923%4,612
Net loans and leases to total assets73.2299%3,301
Net loans and leases to deposits84.2359%4,391
Net loans and leases to core deposits111.1552%3,658
Total domestic deposits to total assets86.9343%1,966
Equity capital to assets10.0028%4,034
Core capital (leverage) ratio9.9654%3,477
Tier 1 risk-based capital ratio15.0181%3,039
Total risk-based capital ratio15.6675%3,244
Memoranda:
Average total assets$213,647,0002,956
Average earning assets$197,901,6002,913
Average equity$21,073,6003,090
Average total loans$158,836,0002,787