Home > Citizens Bank > Performance and Condition Ratios

Citizens Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7470%1,983
Cost of funding earning assets0.1853%3,597
Net interest margin3.5616%1,570
Noninterest income to average assets0.2447%3,908
Noninterest expense to average assets2.8756%1,205
Loan and lease loss provision to assets0.2429%394
Net operating income to assets0.3760%4,312
Return on assets (ROA)0.3760%4,342
Pretax return on assets0.4745%4,288
Return on Equity (ROE)2.7761%4,399
Retained earnings to average equity (ytd only)2.7761%3,736
Net charge-offs to loans0.5177%159
Credit loss provision to net charge-offs77.9037%1,970
Earnings coverage of net charge-offs (x)2.3010%2,587
Efficiency ratio80.0332%802
Assets per employee ($millions)4.5536%4,074
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans2.5404%259
Loan loss allowance to noncurrent loans112.4828%3,281
Noncurrent assets plus other real estate owned to assets1.2955%359
Noncurrent loans to loans2.2585%320
Net loans and leases to total assets53.3638%2,928
Net loans and leases to deposits61.6664%2,914
Net loans and leases to core deposits64.8620%2,913
Total domestic deposits to total assets86.5362%2,698
Equity capital to assets13.1516%858
Core capital (leverage) ratio13.1605%760
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.8811%666
Memoranda:
Average total assets$452,884,6001,827
Average earning assets$425,758,2001,819
Average equity$61,345,8001,486
Average total loans$272,734,6001,824
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9020%1,758
Cost of funding earning assets0.1964%3,641
Net interest margin3.7056%1,318
Noninterest income to average assets0.2219%4,077
Noninterest expense to average assets2.8903%1,144
Loan and lease loss provision to assets0.2600%343
Net operating income to assets0.4381%4,316
Return on assets (ROA)0.4381%4,348
Pretax return on assets0.5522%4,297
Return on Equity (ROE)3.2102%4,430
Retained earnings to average equity (ytd only)3.2102%3,823
Net charge-offs to loans0.6669%119
Credit loss provision to net charge-offs63.2225%1,785
Earnings coverage of net charge-offs (x)1.9754%2,365
Efficiency ratio78.0648%871
Assets per employee ($millions)4.2482%4,302
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans2.3845%342
Loan loss allowance to noncurrent loans94.2359%3,463
Noncurrent assets plus other real estate owned to assets1.4499%350
Noncurrent loans to loans2.5303%293
Net loans and leases to total assets55.9355%2,729
Net loans and leases to deposits64.8701%2,746
Net loans and leases to core deposits68.4135%2,739
Total domestic deposits to total assets86.2269%2,653
Equity capital to assets13.3511%888
Core capital (leverage) ratio13.4913%737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6249%731
Memoranda:
Average total assets$448,850,2501,858
Average earning assets$421,587,5001,849
Average equity$61,261,2501,511
Average total loans$276,715,2501,841
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1582%1,249
Cost of funding earning assets0.2160%3,591
Net interest margin3.9422%903
Noninterest income to average assets0.1446%4,475
Noninterest expense to average assets2.8659%1,223
Loan and lease loss provision to assets0.2702%346
Net operating income to assets0.5535%4,100
Return on assets (ROA)0.5535%4,145
Pretax return on assets0.6985%4,069
Return on Equity (ROE)4.0246%4,323
Retained earnings to average equity (ytd only)4.0246%3,509
Net charge-offs to loans0.9861%82
Credit loss provision to net charge-offs43.3839%1,641
Earnings coverage of net charge-offs (x)1.5553%2,166
Efficiency ratio74.7387%1,180
Assets per employee ($millions)4.2107%4,321
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.2030%421
Loan loss allowance to noncurrent loans105.5081%3,294
Noncurrent assets plus other real estate owned to assets1.2733%513
Noncurrent loans to loans2.0880%451
Net loans and leases to total assets59.6394%2,468
Net loans and leases to deposits69.4017%2,479
Net loans and leases to core deposits73.4826%2,461
Total domestic deposits to total assets85.9336%2,764
Equity capital to assets13.6594%794
Core capital (leverage) ratio13.5975%693
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.7364%730
Memoranda:
Average total assets$444,115,3331,863
Average earning assets$415,704,6671,856
Average equity$61,074,0001,504
Average total loans$280,507,3331,832
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5589%716
Cost of funding earning assets0.2313%3,632
Net interest margin4.3276%492
Noninterest income to average assets0.0445%4,861
Noninterest expense to average assets2.8578%1,240
Loan and lease loss provision to assets0.2722%361
Net operating income to assets0.7557%3,559
Return on assets (ROA)0.7557%3,628
Pretax return on assets0.9544%3,488
Return on Equity (ROE)5.4767%3,997
Retained earnings to average equity (ytd only)5.4767%3,071
Net charge-offs to loans1.9564%38
Credit loss provision to net charge-offs21.6450%1,416
Earnings coverage of net charge-offs (x)0.9755%1,871
Efficiency ratio69.9689%1,704
Assets per employee ($millions)4.2382%4,322
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.0498%542
Loan loss allowance to noncurrent loans112.4804%3,181
Noncurrent assets plus other real estate owned to assets1.1455%669
Noncurrent loans to loans1.8224%630
Net loans and leases to total assets61.1614%2,383
Net loans and leases to deposits71.1629%2,403
Net loans and leases to core deposits75.4262%2,399
Total domestic deposits to total assets85.9456%2,755
Equity capital to assets13.6253%764
Core capital (leverage) ratio13.9047%669
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.5392%726
Memoranda:
Average total assets$440,899,0001,868
Average earning assets$411,587,0001,867
Average equity$60,840,0001,502
Average total loans$283,382,5001,812
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4134%1,547
Cost of funding earning assets0.4166%3,484
Net interest margin3.9968%977
Noninterest income to average assets0.2326%4,106
Noninterest expense to average assets2.8066%1,924
Loan and lease loss provision to assets0.5009%492
Net operating income to assets0.5361%3,952
Return on assets (ROA)0.5361%4,046
Pretax return on assets0.6789%3,928
Return on Equity (ROE)4.0064%4,156
Retained earnings to average equity (ytd only)3.8782%2,884
Net charge-offs to loans-0.0007%3,919
Credit loss provision to net charge-offs-111,000.0000%4,516
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.4041%1,894
Assets per employee ($millions)4.0425%4,343
Cash dividends to net income (ytd only)*3.1987%3,693
Condition Ratios (%)
Loss allowance to loans2.3881%303
Loan loss allowance to noncurrent loans81.8585%3,576
Noncurrent assets plus other real estate owned to assets1.9385%298
Noncurrent loans to loans2.9174%298
Net loans and leases to total assets64.5966%2,281
Net loans and leases to deposits75.4516%2,337
Net loans and leases to core deposits79.8707%2,380
Total domestic deposits to total assets85.6133%2,524
Equity capital to assets13.9796%807
Core capital (leverage) ratio13.6712%745
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.1957%750
Memoranda:
Average total assets$443,208,8001,725
Average earning assets$416,259,6001,712
Average equity$59,305,2001,459
Average total loans$287,003,4001,738
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4866%1,604
Cost of funding earning assets0.4561%3,492
Net interest margin4.0305%1,050
Noninterest income to average assets0.2057%4,240
Noninterest expense to average assets2.7807%2,020
Loan and lease loss provision to assets0.5742%458
Net operating income to assets0.5006%4,034
Return on assets (ROA)0.5006%4,121
Pretax return on assets0.6351%4,038
Return on Equity (ROE)3.7820%4,213
Retained earnings to average equity (ytd only)3.6103%3,248
Net charge-offs to loans0.0046%2,983
Credit loss provision to net charge-offs19,200.0000%74
Earnings coverage of net charge-offs (x)404.4000%284
Efficiency ratio69.6920%1,923
Assets per employee ($millions)4.4032%3,953
Cash dividends to net income (ytd only)*4.5400%3,259
Condition Ratios (%)
Loss allowance to loans2.2205%342
Loan loss allowance to noncurrent loans66.5443%3,786
Noncurrent assets plus other real estate owned to assets2.0993%299
Noncurrent loans to loans3.3369%253
Net loans and leases to total assets60.4115%3,179
Net loans and leases to deposits74.8972%2,864
Net loans and leases to core deposits79.0114%2,922
Total domestic deposits to total assets80.6592%3,741
Equity capital to assets12.5864%1,382
Core capital (leverage) ratio12.5796%1,082
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0990%775
Memoranda:
Average total assets$445,873,0001,688
Average earning assets$418,631,7501,678
Average equity$59,014,2501,454
Average total loans$287,191,7501,735
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9260%932
Cost of funding earning assets0.5180%3,425
Net interest margin4.4079%606
Noninterest income to average assets0.1106%4,737
Noninterest expense to average assets2.8790%1,884
Loan and lease loss provision to assets0.6973%401
Net operating income to assets0.5257%3,942
Return on assets (ROA)0.5257%4,029
Pretax return on assets0.6679%3,936
Return on Equity (ROE)3.9023%4,133
Retained earnings to average equity (ytd only)3.6435%3,099
Net charge-offs to loans0.0014%2,976
Credit loss provision to net charge-offs76,000.0000%9
Earnings coverage of net charge-offs (x)1,488.0000%52
Efficiency ratio67.8340%2,256
Assets per employee ($millions)4.3032%3,994
Cash dividends to net income (ytd only)*6.6318%3,100
Condition Ratios (%)
Loss allowance to loans2.0407%411
Loan loss allowance to noncurrent loans61.5539%3,858
Noncurrent assets plus other real estate owned to assets2.1584%311
Noncurrent loans to loans3.3154%257
Net loans and leases to total assets62.7549%3,039
Net loans and leases to deposits78.0172%2,650
Net loans and leases to core deposits82.4003%2,744
Total domestic deposits to total assets80.4372%3,743
Equity capital to assets12.6419%1,318
Core capital (leverage) ratio12.7972%1,082
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4729%850
Memoranda:
Average total assets$435,982,3331,700
Average earning assets$408,853,0001,678
Average equity$58,734,3331,449
Average total loans$284,986,3331,725
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6835%1,761
Cost of funding earning assets0.5743%3,564
Net interest margin4.1092%1,118
Noninterest income to average assets0.1535%4,605
Noninterest expense to average assets3.0020%1,884
Loan and lease loss provision to assets0.2289%1,353
Net operating income to assets0.5970%3,605
Return on assets (ROA)0.5970%3,661
Pretax return on assets0.7639%3,510
Return on Equity (ROE)4.2837%3,875
Retained earnings to average equity (ytd only)3.7637%2,777
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1492%1,668
Assets per employee ($millions)3.9590%3,977
Cash dividends to net income (ytd only)*12.1406%2,463
Condition Ratios (%)
Loss allowance to loans1.7940%717
Loan loss allowance to noncurrent loans56.7255%3,972
Noncurrent assets plus other real estate owned to assets2.0666%394
Noncurrent loans to loans3.1626%323
Net loans and leases to total assets62.1452%3,285
Net loans and leases to deposits76.6266%3,019
Net loans and leases to core deposits81.3280%3,083
Total domestic deposits to total assets81.1014%3,642
Equity capital to assets13.7746%1,132
Core capital (leverage) ratio13.9112%930
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2138%954
Memoranda:
Average total assets$419,451,5001,712
Average earning assets$392,099,5001,693
Average equity$58,453,5001,447
Average total loans$277,239,5001,727
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9254%1,680
Cost of funding earning assets0.5726%3,755
Net interest margin4.3528%980
Noninterest income to average assets0.1628%4,677
Noninterest expense to average assets2.8798%2,350
Loan and lease loss provision to assets0.1867%1,104
Net operating income to assets0.9072%3,177
Return on assets (ROA)0.9072%3,272
Pretax return on assets1.1468%3,020
Return on Equity (ROE)6.7735%3,632
Retained earnings to average equity (ytd only)6.2767%1,729
Net charge-offs to loans0.1049%1,679
Credit loss provision to net charge-offs284.6715%987
Earnings coverage of net charge-offs (x)20.3321%1,940
Efficiency ratio68.3502%2,410
Assets per employee ($millions)3.8438%4,104
Cash dividends to net income (ytd only)*7.3351%3,809
Condition Ratios (%)
Loss allowance to loans1.6252%926
Loan loss allowance to noncurrent loans75.8757%3,659
Noncurrent assets plus other real estate owned to assets1.7382%525
Noncurrent loans to loans2.1419%585
Net loans and leases to total assets67.9080%2,690
Net loans and leases to deposits84.2608%2,308
Net loans and leases to core deposits89.4632%2,470
Total domestic deposits to total assets80.5926%3,854
Equity capital to assets14.0936%1,067
Core capital (leverage) ratio13.8012%982
Tier 1 risk-based capital ratio17.3521%1,939
Total risk-based capital ratio18.6038%1,889
Memoranda:
Average total assets$417,771,0001,677
Average earning assets$388,757,0001,669
Average equity$55,953,4001,442
Average total loans$261,169,4001,770
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8878%1,850
Cost of funding earning assets0.5654%3,841
Net interest margin4.3224%1,123
Noninterest income to average assets0.2499%4,246
Noninterest expense to average assets2.9149%2,210
Loan and lease loss provision to assets0.1717%1,072
Net operating income to assets0.9350%3,217
Return on assets (ROA)0.9350%3,290
Pretax return on assets1.1810%3,041
Return on Equity (ROE)7.0716%3,650
Retained earnings to average equity (ytd only)6.5859%2,067
Net charge-offs to loans0.1440%1,126
Credit loss provision to net charge-offs195.6522%1,339
Earnings coverage of net charge-offs (x)15.4167%2,185
Efficiency ratio68.3030%2,367
Assets per employee ($millions)3.9115%4,011
Cash dividends to net income (ytd only)*6.8685%3,433
Condition Ratios (%)
Loss allowance to loans1.5948%1,006
Loan loss allowance to noncurrent loans73.3971%3,766
Noncurrent assets plus other real estate owned to assets1.4783%764
Noncurrent loans to loans2.1728%594
Net loans and leases to total assets64.4704%3,241
Net loans and leases to deposits79.5814%2,944
Net loans and leases to core deposits84.3646%3,065
Total domestic deposits to total assets81.0119%3,754
Equity capital to assets13.6732%1,284
Core capital (leverage) ratio13.6299%1,099
Tier 1 risk-based capital ratio17.7327%1,891
Total risk-based capital ratio18.9840%1,845
Memoranda:
Average total assets$419,392,2501,683
Average earning assets$389,832,0001,677
Average equity$55,450,5001,457
Average total loans$255,484,2501,811
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7775%2,135
Cost of funding earning assets0.5616%3,829
Net interest margin4.2159%1,326
Noninterest income to average assets0.2388%4,326
Noninterest expense to average assets2.9232%2,218
Loan and lease loss provision to assets0.1573%1,155
Net operating income to assets0.8516%3,463
Return on assets (ROA)0.8516%3,521
Pretax return on assets1.0756%3,305
Return on Equity (ROE)6.5150%3,872
Retained earnings to average equity (ytd only)6.0556%2,257
Net charge-offs to loans0.0465%1,983
Credit loss provision to net charge-offs568.9655%548
Earnings coverage of net charge-offs (x)44.6034%1,182
Efficiency ratio70.3360%2,173
Assets per employee ($millions)3.7345%4,201
Cash dividends to net income (ytd only)*7.0509%3,335
Condition Ratios (%)
Loss allowance to loans1.6971%823
Loan loss allowance to noncurrent loans65.8401%3,911
Noncurrent assets plus other real estate owned to assets1.6503%645
Noncurrent loans to loans2.5776%443
Net loans and leases to total assets61.2170%3,626
Net loans and leases to deposits75.4607%3,379
Net loans and leases to core deposits79.9362%3,425
Total domestic deposits to total assets81.1244%3,767
Equity capital to assets13.5250%1,308
Core capital (leverage) ratio13.2861%1,190
Tier 1 risk-based capital ratio18.5083%1,665
Total risk-based capital ratio19.7607%1,627
Memoranda:
Average total assets$419,678,0001,683
Average earning assets$389,954,3301,678
Average equity$54,858,3301,460
Average total loans$249,244,3301,846
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5313%2,761
Cost of funding earning assets0.5566%3,797
Net interest margin3.9748%1,931
Noninterest income to average assets0.2387%4,295
Noninterest expense to average assets2.9291%2,185
Loan and lease loss provision to assets0.1421%1,205
Net operating income to assets0.6764%4,013
Return on assets (ROA)0.6764%4,051
Pretax return on assets0.8545%3,908
Return on Equity (ROE)5.2640%4,257
Retained earnings to average equity (ytd only)4.7996%2,995
Net charge-offs to loans0.0948%1,187
Credit loss provision to net charge-offs258.6207%905
Earnings coverage of net charge-offs (x)18.1379%1,633
Efficiency ratio74.6139%1,662
Assets per employee ($millions)3.8529%4,114
Cash dividends to net income (ytd only)*8.8235%2,659
Condition Ratios (%)
Loss allowance to loans1.7372%797
Loan loss allowance to noncurrent loans136.5291%2,836
Noncurrent assets plus other real estate owned to assets0.7701%1,828
Noncurrent loans to loans1.2724%1,292
Net loans and leases to total assets56.0653%4,054
Net loans and leases to deposits68.4774%3,886
Net loans and leases to core deposits72.4748%3,912
Total domestic deposits to total assets81.8741%3,756
Equity capital to assets12.8954%1,513
Core capital (leverage) ratio13.0342%1,259
Tier 1 risk-based capital ratio19.0676%1,530
Total risk-based capital ratio20.3203%1,504
Memoranda:
Average total assets$422,252,0001,676
Average earning assets$391,672,0001,668
Average equity$54,255,0001,464
Average total loans$244,794,5001,891
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3339%2,985
Cost of funding earning assets0.4229%3,835
Net interest margin3.9110%2,294
Noninterest income to average assets0.3547%3,727
Noninterest expense to average assets2.9153%2,299
Loan and lease loss provision to assets0.1212%1,819
Net operating income to assets0.7472%3,976
Return on assets (ROA)0.7472%3,979
Pretax return on assets0.9437%3,778
Return on Equity (ROE)5.9920%4,179
Retained earnings to average equity (ytd only)5.5823%2,428
Net charge-offs to loans0.1200%1,538
Credit loss provision to net charge-offs179.5775%1,577
Earnings coverage of net charge-offs (x)15.7817%2,305
Efficiency ratio73.2450%1,723
Assets per employee ($millions)3.7899%4,196
Cash dividends to net income (ytd only)*6.8362%3,903
Condition Ratios (%)
Loss allowance to loans1.6584%909
Loan loss allowance to noncurrent loans134.3249%2,915
Noncurrent assets plus other real estate owned to assets0.8565%1,632
Noncurrent loans to loans1.2346%1,289
Net loans and leases to total assets57.9207%3,974
Net loans and leases to deposits70.7192%3,768
Net loans and leases to core deposits75.9980%3,721
Total domestic deposits to total assets81.9024%3,667
Equity capital to assets12.8021%1,433
Core capital (leverage) ratio12.8669%1,299
Tier 1 risk-based capital ratio18.2852%1,670
Total risk-based capital ratio19.5368%1,623
Memoranda:
Average total assets$420,879,8001,625
Average earning assets$390,152,6001,623
Average equity$52,487,0001,453
Average total loans$236,647,2001,904
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2611%3,114
Cost of funding earning assets0.3721%4,035
Net interest margin3.8890%2,343
Noninterest income to average assets0.3650%3,685
Noninterest expense to average assets2.8041%2,623
Loan and lease loss provision to assets0.0937%2,103
Net operating income to assets0.8701%3,661
Return on assets (ROA)0.8701%3,664
Pretax return on assets1.1001%3,401
Return on Equity (ROE)7.4419%3,772
Retained earnings to average equity (ytd only)6.9909%2,130
Net charge-offs to loans0.1638%1,007
Credit loss provision to net charge-offs103.8462%2,202
Earnings coverage of net charge-offs (x)13.2346%2,383
Efficiency ratio70.1406%2,169
Assets per employee ($millions)3.7248%4,272
Cash dividends to net income (ytd only)*6.0606%3,494
Condition Ratios (%)
Loss allowance to loans1.4418%1,548
Loan loss allowance to noncurrent loans303.5951%1,642
Noncurrent assets plus other real estate owned to assets0.4298%2,969
Noncurrent loans to loans0.4749%2,961
Net loans and leases to total assets57.7394%4,065
Net loans and leases to deposits70.4049%3,888
Net loans and leases to core deposits74.9837%3,881
Total domestic deposits to total assets82.0104%3,603
Equity capital to assets12.0829%1,846
Core capital (leverage) ratio11.8644%1,866
Tier 1 risk-based capital ratio16.5998%2,247
Total risk-based capital ratio17.7577%2,209
Memoranda:
Average total assets$384,333,5001,785
Average earning assets$359,020,5001,776
Average equity$44,933,5001,671
Average total loans$211,609,0002,090
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1282%3,352
Cost of funding earning assets0.3170%4,291
Net interest margin3.8111%2,532
Noninterest income to average assets0.3219%4,033
Noninterest expense to average assets2.7143%2,964
Loan and lease loss provision to assets0.0778%2,352
Net operating income to assets0.8657%3,602
Return on assets (ROA)0.8657%3,603
Pretax return on assets1.0943%3,341
Return on Equity (ROE)7.4872%3,730
Retained earnings to average equity (ytd only)7.0344%2,059
Net charge-offs to loans0.1414%1,072
Credit loss provision to net charge-offs102.0408%1,985
Earnings coverage of net charge-offs (x)15.3810%2,044
Efficiency ratio69.8413%2,341
Assets per employee ($millions)3.9639%3,959
Cash dividends to net income (ytd only)*6.0479%3,383
Condition Ratios (%)
Loss allowance to loans1.4695%1,486
Loan loss allowance to noncurrent loans53.0220%4,364
Noncurrent assets plus other real estate owned to assets1.5546%842
Noncurrent loans to loans2.7715%438
Net loans and leases to total assets55.2684%4,219
Net loans and leases to deposits71.3460%3,761
Net loans and leases to core deposits74.6028%3,835
Total domestic deposits to total assets77.4653%4,669
Equity capital to assets11.6357%2,103
Core capital (leverage) ratio11.7329%1,881
Tier 1 risk-based capital ratio16.8604%2,144
Total risk-based capital ratio18.0543%2,109
Memoranda:
Average total assets$385,802,6701,786
Average earning assets$360,839,3301,774
Average equity$44,609,3301,687
Average total loans$207,953,3302,117
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0254%3,525
Cost of funding earning assets0.3009%4,349
Net interest margin3.7246%2,706
Noninterest income to average assets0.3340%3,921
Noninterest expense to average assets2.6280%3,252
Loan and lease loss provision to assets0.0780%2,211
Net operating income to assets0.8843%3,356
Return on assets (ROA)0.8843%3,369
Pretax return on assets1.1184%3,105
Return on Equity (ROE)7.6725%3,515
Retained earnings to average equity (ytd only)7.2122%2,179
Net charge-offs to loans0.3054%497
Credit loss provision to net charge-offs48.3871%1,964
Earnings coverage of net charge-offs (x)7.4194%2,091
Efficiency ratio68.7160%2,715
Assets per employee ($millions)4.0754%3,843
Cash dividends to net income (ytd only)*6.0000%2,668
Condition Ratios (%)
Loss allowance to loans1.5139%1,412
Loan loss allowance to noncurrent loans275.5300%1,757
Noncurrent assets plus other real estate owned to assets0.2924%3,690
Noncurrent loans to loans0.5495%2,879
Net loans and leases to total assets52.4066%4,410
Net loans and leases to deposits67.7106%3,968
Net loans and leases to core deposits70.3241%4,068
Total domestic deposits to total assets77.3979%4,817
Equity capital to assets11.5104%2,120
Core capital (leverage) ratio11.6337%1,904
Tier 1 risk-based capital ratio17.3421%2,018
Total risk-based capital ratio18.5590%1,984
Memoranda:
Average total assets$384,474,5001,803
Average earning assets$360,309,0001,784
Average equity$44,314,0001,698
Average total loans$202,981,5002,175
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8032%4,044
Cost of funding earning assets0.2234%4,763
Net interest margin3.5798%3,240
Noninterest income to average assets0.4099%3,568
Noninterest expense to average assets2.8115%2,732
Loan and lease loss provision to assets0.2405%794
Net operating income to assets0.4309%4,585
Return on assets (ROA)0.4241%4,634
Pretax return on assets0.6956%4,519
Return on Equity (ROE)3.6454%4,631
Retained earnings to average equity (ytd only)3.4111%3,242
Net charge-offs to loans1.0660%164
Credit loss provision to net charge-offs42.5733%3,417
Earnings coverage of net charge-offs (x)1.6760%3,864
Efficiency ratio74.8080%1,787
Assets per employee ($millions)4.0188%3,929
Cash dividends to net income (ytd only)*6.4272%4,015
Condition Ratios (%)
Loss allowance to loans1.5999%1,144
Loan loss allowance to noncurrent loans183.6395%2,435
Noncurrent assets plus other real estate owned to assets0.4563%3,045
Noncurrent loans to loans0.8712%2,047
Net loans and leases to total assets51.5331%4,549
Net loans and leases to deposits66.7214%4,129
Net loans and leases to core deposits69.4298%4,212
Total domestic deposits to total assets77.2362%4,834
Equity capital to assets11.5415%2,171
Core capital (leverage) ratio11.5705%1,893
Tier 1 risk-based capital ratio18.0363%1,793
Total risk-based capital ratio19.2868%1,742
Memoranda:
Average total assets$374,209,0001,813
Average earning assets$350,020,2001,805
Average equity$43,534,4001,706
Average total loans$198,303,4002,168
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7926%4,033
Cost of funding earning assets0.2042%4,941
Net interest margin3.5883%3,200
Noninterest income to average assets0.4022%3,668
Noninterest expense to average assets2.8337%2,620
Loan and lease loss provision to assets0.2417%731
Net operating income to assets0.4548%4,870
Return on assets (ROA)0.4548%4,897
Pretax return on assets0.6801%4,655
Return on Equity (ROE)3.9014%4,881
Retained earnings to average equity (ytd only)3.7447%3,694
Net charge-offs to loans0.9197%199
Credit loss provision to net charge-offs49.4505%2,918
Earnings coverage of net charge-offs (x)1.8857%3,535
Efficiency ratio75.4553%1,670
Assets per employee ($millions)3.8754%4,197
Cash dividends to net income (ytd only)*4.0159%3,628
Condition Ratios (%)
Loss allowance to loans1.8585%768
Loan loss allowance to noncurrent loans145.4865%2,852
Noncurrent assets plus other real estate owned to assets0.7018%2,403
Noncurrent loans to loans1.2774%1,504
Net loans and leases to total assets52.8440%4,509
Net loans and leases to deposits69.0647%4,033
Net loans and leases to core deposits71.9068%4,136
Total domestic deposits to total assets76.5138%4,954
Equity capital to assets11.8331%2,087
Core capital (leverage) ratio11.7082%1,873
Tier 1 risk-based capital ratio17.6465%1,960
Total risk-based capital ratio18.8993%1,898
Memoranda:
Average total assets$372,314,7501,829
Average earning assets$347,934,5001,821
Average equity$43,402,0001,726
Average total loans$197,893,0002,182
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7818%3,954
Cost of funding earning assets0.1908%5,063
Net interest margin3.5911%3,075
Noninterest income to average assets0.4323%3,473
Noninterest expense to average assets2.8147%2,700
Loan and lease loss provision to assets0.2417%700
Net operating income to assets0.4898%4,732
Return on assets (ROA)0.4898%4,767
Pretax return on assets0.7325%4,470
Return on Equity (ROE)4.2227%4,761
Retained earnings to average equity (ytd only)4.2227%3,194
Net charge-offs to loans1.3781%135
Credit loss provision to net charge-offs33.1370%2,708
Earnings coverage of net charge-offs (x)1.3358%3,292
Efficiency ratio74.2877%1,961
Assets per employee ($millions)3.8166%4,256
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.8373%818
Loan loss allowance to noncurrent loans134.3942%2,989
Noncurrent assets plus other real estate owned to assets0.7185%2,410
Noncurrent loans to loans1.3671%1,416
Net loans and leases to total assets50.5835%4,668
Net loans and leases to deposits61.7171%4,522
Net loans and leases to core deposits64.0921%4,599
Total domestic deposits to total assets81.9602%3,898
Equity capital to assets11.8249%2,060
Core capital (leverage) ratio11.7369%1,809
Tier 1 risk-based capital ratio18.0966%1,827
Total risk-based capital ratio19.3491%1,782
Memoranda:
Average total assets$372,406,3301,834
Average earning assets$348,083,6701,825
Average equity$43,194,6701,730
Average total loans$197,082,6702,193
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7901%3,793
Cost of funding earning assets0.1913%5,056
Net interest margin3.5988%2,891
Noninterest income to average assets0.3738%3,851
Noninterest expense to average assets2.7159%3,082
Loan and lease loss provision to assets0.2410%641
Net operating income to assets0.5215%4,512
Return on assets (ROA)0.5215%4,544
Pretax return on assets0.7818%4,179
Return on Equity (ROE)4.5404%4,589
Retained earnings to average equity (ytd only)4.5404%3,155
Net charge-offs to loans2.7128%64
Credit loss provision to net charge-offs16.5685%2,188
Earnings coverage of net charge-offs (x)0.7032%2,802
Efficiency ratio72.6439%2,464
Assets per employee ($millions)3.8426%4,280
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.6297%1,311
Loan loss allowance to noncurrent loans125.0477%3,194
Noncurrent assets plus other real estate owned to assets0.7252%2,481
Noncurrent loans to loans1.3032%1,552
Net loans and leases to total assets53.6721%4,365
Net loans and leases to deposits65.4288%4,216
Net loans and leases to core deposits68.0157%4,298
Total domestic deposits to total assets82.0313%4,160
Equity capital to assets11.7066%2,030
Core capital (leverage) ratio11.5380%1,915
Tier 1 risk-based capital ratio17.7446%1,960
Total risk-based capital ratio18.9957%1,914
Memoranda:
Average total assets$373,504,5001,840
Average earning assets$349,226,5001,831
Average equity$42,903,5001,740
Average total loans$200,239,0002,182
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7394%4,091
Cost of funding earning assets0.1471%5,441
Net interest margin3.5923%3,095
Noninterest income to average assets0.5223%3,083
Noninterest expense to average assets2.7346%3,244
Loan and lease loss provision to assets0.3107%604
Net operating income to assets0.5662%4,361
Return on assets (ROA)0.5662%4,466
Pretax return on assets0.8484%4,018
Return on Equity (ROE)5.1047%4,376
Retained earnings to average equity (ytd only)5.1047%2,281
Net charge-offs to loans0.0512%3,017
Credit loss provision to net charge-offs1,140.7767%346
Earnings coverage of net charge-offs (x)42.5534%1,136
Efficiency ratio70.2303%2,866
Assets per employee ($millions)3.8982%4,144
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans2.2153%453
Loan loss allowance to noncurrent loans110.6570%3,416
Noncurrent assets plus other real estate owned to assets1.0668%1,765
Noncurrent loans to loans2.0019%903
Net loans and leases to total assets51.5166%4,650
Net loans and leases to deposits62.3387%4,520
Net loans and leases to core deposits64.7953%4,590
Total domestic deposits to total assets82.6398%3,879
Equity capital to assets11.2723%2,352
Core capital (leverage) ratio11.1759%2,187
Tier 1 risk-based capital ratio17.9280%1,871
Total risk-based capital ratio19.1854%1,827
Memoranda:
Average total assets$378,119,0001,775
Average earning assets$354,873,4001,752
Average equity$41,941,4001,764
Average total loans$201,258,4002,117
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7004%4,248
Cost of funding earning assets0.1439%5,516
Net interest margin3.5565%3,245
Noninterest income to average assets0.5836%2,742
Noninterest expense to average assets2.7469%3,186
Loan and lease loss provision to assets0.3350%488
Net operating income to assets0.5610%4,454
Return on assets (ROA)0.5610%4,558
Pretax return on assets0.8406%4,185
Return on Equity (ROE)5.0784%4,484
Retained earnings to average equity (ytd only)5.0784%2,773
Net charge-offs to loans0.0535%2,598
Credit loss provision to net charge-offs1,172.8395%352
Earnings coverage of net charge-offs (x)41.1594%1,214
Efficiency ratio70.0288%2,882
Assets per employee ($millions)3.8757%4,174
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.0582%656
Loan loss allowance to noncurrent loans113.2974%3,363
Noncurrent assets plus other real estate owned to assets0.9925%2,087
Noncurrent loans to loans1.8166%1,132
Net loans and leases to total assets52.2012%4,643
Net loans and leases to deposits67.3060%4,220
Net loans and leases to core deposits69.9864%4,327
Total domestic deposits to total assets77.5580%4,991
Equity capital to assets11.1463%2,863
Core capital (leverage) ratio11.1337%2,327
Tier 1 risk-based capital ratio16.9709%2,236
Total risk-based capital ratio18.2266%2,192
Memoranda:
Average total assets$378,118,0001,775
Average earning assets$354,982,0001,751
Average equity$41,771,0001,780
Average total loans$201,770,7502,109
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6695%4,389
Cost of funding earning assets0.1419%5,599
Net interest margin3.5276%3,379
Noninterest income to average assets0.6958%2,162
Noninterest expense to average assets2.7338%3,261
Loan and lease loss provision to assets0.3854%403
Net operating income to assets0.5953%4,293
Return on assets (ROA)0.5953%4,415
Pretax return on assets0.8925%3,978
Return on Equity (ROE)5.4056%4,330
Retained earnings to average equity (ytd only)5.4056%2,482
Net charge-offs to loans0.0149%3,236
Credit loss provision to net charge-offs4,833.3333%90
Earnings coverage of net charge-offs (x)160.2667%393
Efficiency ratio68.1463%3,314
Assets per employee ($millions)3.8210%4,234
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.9959%742
Loan loss allowance to noncurrent loans101.5801%3,674
Noncurrent assets plus other real estate owned to assets1.0744%1,978
Noncurrent loans to loans1.9648%1,014
Net loans and leases to total assets53.1096%4,574
Net loans and leases to deposits64.3641%4,468
Net loans and leases to core deposits67.1011%4,537
Total domestic deposits to total assets82.5143%3,833
Equity capital to assets11.2876%2,752
Core capital (leverage) ratio11.0868%2,337
Tier 1 risk-based capital ratio16.5284%2,413
Total risk-based capital ratio17.7829%2,360
Memoranda:
Average total assets$376,258,6701,782
Average earning assets$353,670,0001,758
Average equity$41,438,6701,791
Average total loans$200,860,0002,122
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6686%4,426
Cost of funding earning assets0.1454%5,641
Net interest margin3.5232%3,376
Noninterest income to average assets0.5844%2,620
Noninterest expense to average assets2.7118%3,375
Loan and lease loss provision to assets0.2386%760
Net operating income to assets0.6332%4,045
Return on assets (ROA)0.6332%4,163
Pretax return on assets0.9492%3,663
Return on Equity (ROE)5.8209%4,071
Retained earnings to average equity (ytd only)5.8209%2,458
Net charge-offs to loans0.0120%2,724
Credit loss provision to net charge-offs3,750.0000%108
Earnings coverage of net charge-offs (x)186.6667%323
Efficiency ratio69.5404%3,207
Assets per employee ($millions)3.7068%4,457
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7845%1,183
Loan loss allowance to noncurrent loans171.8976%2,505
Noncurrent assets plus other real estate owned to assets0.5684%3,359
Noncurrent loans to loans1.0381%2,312
Net loans and leases to total assets52.8578%4,546
Net loans and leases to deposits60.0406%4,714
Net loans and leases to core deposits62.5944%4,777
Total domestic deposits to total assets88.0367%1,621
Equity capital to assets11.1966%2,730
Core capital (leverage) ratio10.8363%2,586
Tier 1 risk-based capital ratio16.4796%2,483
Total risk-based capital ratio17.7319%2,436
Memoranda:
Average total assets$377,161,0001,778
Average earning assets$354,900,0001,754
Average equity$41,024,5001,804
Average total loans$199,829,5002,133
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7219%4,304
Cost of funding earning assets0.1400%5,752
Net interest margin3.5819%3,201
Noninterest income to average assets0.3456%4,442
Noninterest expense to average assets2.6550%3,742
Loan and lease loss provision to assets0.0758%2,757
Net operating income to assets0.6505%4,034
Return on assets (ROA)0.6505%4,133
Pretax return on assets0.9769%3,553
Return on Equity (ROE)6.5565%3,752
Retained earnings to average equity (ytd only)6.5565%1,507
Net charge-offs to loans0.4436%620
Credit loss provision to net charge-offs34.0909%3,601
Earnings coverage of net charge-offs (x)4.7352%3,498
Efficiency ratio71.6086%2,964
Assets per employee ($millions)3.7985%4,296
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6691%1,419
Loan loss allowance to noncurrent loans169.3360%2,567
Noncurrent assets plus other real estate owned to assets0.5237%3,544
Noncurrent loans to loans0.9857%2,366
Net loans and leases to total assets51.3043%4,749
Net loans and leases to deposits57.8472%4,923
Net loans and leases to core deposits60.2078%4,972
Total domestic deposits to total assets88.6893%1,289
Equity capital to assets10.5686%3,288
Core capital (leverage) ratio10.6460%2,779
Tier 1 risk-based capital ratio16.8409%2,339
Total risk-based capital ratio18.0927%2,294
Memoranda:
Average total assets$395,855,0001,665
Average earning assets$371,558,8001,634
Average equity$39,274,0001,831
Average total loans$198,365,8002,087
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7570%4,235
Cost of funding earning assets0.1403%5,845
Net interest margin3.6167%3,094
Noninterest income to average assets0.3362%4,537
Noninterest expense to average assets2.6482%3,726
Loan and lease loss provision to assets0.0752%2,677
Net operating income to assets0.6701%4,034
Return on assets (ROA)0.6701%4,147
Pretax return on assets1.0064%3,586
Return on Equity (ROE)6.8623%3,699
Retained earnings to average equity (ytd only)6.8623%1,751
Net charge-offs to loans0.5989%375
Credit loss provision to net charge-offs25.3093%3,321
Earnings coverage of net charge-offs (x)3.6401%3,476
Efficiency ratio71.0010%3,046
Assets per employee ($millions)3.8323%4,201
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6962%1,476
Loan loss allowance to noncurrent loans165.8686%2,616
Noncurrent assets plus other real estate owned to assets0.5165%3,765
Noncurrent loans to loans1.0226%2,433
Net loans and leases to total assets48.7537%5,029
Net loans and leases to deposits58.4597%4,956
Net loans and leases to core deposits61.0459%5,000
Total domestic deposits to total assets83.3971%3,657
Equity capital to assets10.4199%3,687
Core capital (leverage) ratio10.1835%3,393
Tier 1 risk-based capital ratio16.8210%2,430
Total risk-based capital ratio18.0724%2,392
Memoranda:
Average total assets$398,907,0001,665
Average earning assets$374,295,2501,639
Average equity$38,956,0001,863
Average total loans$197,915,2502,090
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5123%4,954
Cost of funding earning assets0.1398%5,921
Net interest margin3.3725%4,001
Noninterest income to average assets0.3634%4,345
Noninterest expense to average assets2.5751%3,987
Loan and lease loss provision to assets0.0745%2,629
Net operating income to assets0.5838%4,420
Return on assets (ROA)0.5838%4,514
Pretax return on assets0.8757%4,047
Return on Equity (ROE)6.1095%4,074
Retained earnings to average equity (ytd only)6.1095%2,167
Net charge-offs to loans-0.0990%5,784
Credit loss provision to net charge-offs-151.5152%4,974
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0460%2,829
Assets per employee ($millions)3.7694%4,294
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.1172%836
Loan loss allowance to noncurrent loans128.5054%3,122
Noncurrent assets plus other real estate owned to assets0.8358%2,886
Noncurrent loans to loans1.6476%1,587
Net loans and leases to total assets49.6556%4,969
Net loans and leases to deposits55.6065%5,148
Net loans and leases to core deposits57.8888%5,205
Total domestic deposits to total assets89.2983%1,005
Equity capital to assets10.0653%3,961
Core capital (leverage) ratio9.8331%3,823
Tier 1 risk-based capital ratio16.1784%2,768
Total risk-based capital ratio17.4345%2,714
Memoranda:
Average total assets$402,856,6701,658
Average earning assets$377,706,0001,631
Average equity$38,497,6701,893
Average total loans$199,900,0002,091
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4591%5,066
Cost of funding earning assets0.1384%6,008
Net interest margin3.3208%4,127
Noninterest income to average assets0.3326%4,529
Noninterest expense to average assets2.4702%4,368
Loan and lease loss provision to assets0.0731%2,477
Net operating income to assets0.5998%4,291
Return on assets (ROA)0.5998%4,389
Pretax return on assets0.9021%3,880
Return on Equity (ROE)6.4385%3,807
Retained earnings to average equity (ytd only)6.4385%2,266
Net charge-offs to loans-0.0636%5,648
Credit loss provision to net charge-offs-234.3750%4,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6954%3,221
Assets per employee ($millions)4.0397%3,878
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9718%1,136
Loan loss allowance to noncurrent loans126.3092%3,148
Noncurrent assets plus other real estate owned to assets0.8282%3,023
Noncurrent loans to loans1.5611%1,792
Net loans and leases to total assets49.0798%4,932
Net loans and leases to deposits54.5807%5,152
Net loans and leases to core deposits56.7517%5,200
Total domestic deposits to total assets89.9215%779
Equity capital to assets9.4623%4,791
Core capital (leverage) ratio9.3987%4,434
Tier 1 risk-based capital ratio16.6121%2,633
Total risk-based capital ratio17.8681%2,580
Memoranda:
Average total assets$410,162,0001,642
Average earning assets$384,489,0001,614
Average equity$38,207,5001,918
Average total loans$201,372,0002,077
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3855%5,560
Cost of funding earning assets0.1442%6,130
Net interest margin3.2412%4,789
Noninterest income to average assets0.6224%2,724
Noninterest expense to average assets2.6070%4,191
Loan and lease loss provision to assets0.0754%2,972
Net operating income to assets0.6357%4,210
Return on assets (ROA)0.6357%4,312
Pretax return on assets0.9556%3,666
Return on Equity (ROE)6.9573%3,664
Retained earnings to average equity (ytd only)6.9573%1,430
Net charge-offs to loans-0.1202%6,160
Credit loss provision to net charge-offs-137.6147%5,569
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6605%3,263
Assets per employee ($millions)4.0423%3,851
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.9757%1,150
Loan loss allowance to noncurrent loans97.7075%3,772
Noncurrent assets plus other real estate owned to assets1.0194%2,704
Noncurrent loans to loans2.0220%1,368
Net loans and leases to total assets47.1836%5,234
Net loans and leases to deposits52.3035%5,461
Net loans and leases to core deposits54.3686%5,481
Total domestic deposits to total assets90.2111%646
Equity capital to assets9.1697%5,110
Core capital (leverage) ratio9.2870%4,556
Tier 1 risk-based capital ratio15.6848%3,135
Total risk-based capital ratio16.8851%3,095
Memoranda:
Average total assets$397,973,0001,649
Average earning assets$370,260,0001,629
Average equity$36,364,8001,931
Average total loans$181,390,8002,210
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3765%5,631
Cost of funding earning assets0.1449%6,214
Net interest margin3.2316%4,850
Noninterest income to average assets0.6981%2,334
Noninterest expense to average assets2.6194%4,132
Loan and lease loss provision to assets0.0761%2,814
Net operating income to assets0.6670%4,116
Return on assets (ROA)0.6670%4,217
Pretax return on assets1.0044%3,573
Return on Equity (ROE)7.3064%3,550
Retained earnings to average equity (ytd only)7.3064%1,669
Net charge-offs to loans-0.1671%6,270
Credit loss provision to net charge-offs-101.3514%5,455
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7968%3,370
Assets per employee ($millions)3.9041%4,081
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.0593%1,150
Loan loss allowance to noncurrent loans93.8323%3,822
Noncurrent assets plus other real estate owned to assets1.0885%2,788
Noncurrent loans to loans2.1947%1,390
Net loans and leases to total assets46.4253%5,337
Net loans and leases to deposits51.6564%5,554
Net loans and leases to core deposits53.7612%5,583
Total domestic deposits to total assets89.8732%796
Equity capital to assets9.3926%4,936
Core capital (leverage) ratio9.5363%4,322
Tier 1 risk-based capital ratio16.1053%3,013
Total risk-based capital ratio17.3607%2,957
Memoranda:
Average total assets$394,387,5001,679
Average earning assets$366,327,2501,653
Average equity$36,004,0001,958
Average total loans$177,122,0002,268
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3849%5,656
Cost of funding earning assets0.1466%6,282
Net interest margin3.2383%4,813
Noninterest income to average assets0.6374%2,619
Noninterest expense to average assets2.6074%4,214
Loan and lease loss provision to assets0.0761%2,750
Net operating income to assets0.6344%4,185
Return on assets (ROA)0.6344%4,286
Pretax return on assets0.9553%3,660
Return on Equity (ROE)7.0163%3,616
Retained earnings to average equity (ytd only)7.0163%1,767
Net charge-offs to loans-0.0506%5,882
Credit loss provision to net charge-offs-340.9091%5,496
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6555%3,404
Assets per employee ($millions)3.9130%4,033
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9845%1,389
Loan loss allowance to noncurrent loans86.3385%3,993
Noncurrent assets plus other real estate owned to assets1.3188%2,477
Noncurrent loans to loans2.2985%1,412
Net loans and leases to total assets45.8473%5,373
Net loans and leases to deposits50.9889%5,561
Net loans and leases to core deposits53.0674%5,609
Total domestic deposits to total assets89.9164%850
Equity capital to assets9.4055%4,839
Core capital (leverage) ratio9.2737%4,635
Tier 1 risk-based capital ratio16.7762%2,717
Total risk-based capital ratio18.0317%2,681
Memoranda:
Average total assets$394,413,0001,681
Average earning assets$365,565,0001,655
Average equity$35,660,0001,960
Average total loans$173,859,6702,306
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4622%5,520
Cost of funding earning assets0.1483%6,362
Net interest margin3.3139%4,478
Noninterest income to average assets0.5569%3,004
Noninterest expense to average assets2.5040%4,611
Loan and lease loss provision to assets0.0754%2,633
Net operating income to assets0.7006%3,684
Return on assets (ROA)0.7006%3,763
Pretax return on assets1.0555%3,107
Return on Equity (ROE)7.9043%2,971
Retained earnings to average equity (ytd only)7.9043%1,629
Net charge-offs to loans0.0588%2,572
Credit loss provision to net charge-offs300.0000%788
Earnings coverage of net charge-offs (x)45.0000%817
Efficiency ratio68.8883%4,021
Assets per employee ($millions)4.0108%3,931
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0422%1,437
Loan loss allowance to noncurrent loans80.0928%4,177
Noncurrent assets plus other real estate owned to assets1.3184%2,673
Noncurrent loans to loans2.5498%1,355
Net loans and leases to total assets41.2839%5,724
Net loans and leases to deposits45.6783%5,870
Net loans and leases to core deposits47.4647%5,906
Total domestic deposits to total assets90.3797%871
Equity capital to assets8.9142%5,212
Core capital (leverage) ratio9.0921%4,881
Tier 1 risk-based capital ratio17.0593%2,663
Total risk-based capital ratio18.3143%2,614
Memoranda:
Average total assets$397,924,5001,675
Average earning assets$369,596,5001,652
Average equity$35,272,0001,972
Average total loans$170,187,5002,348
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3788%5,879
Cost of funding earning assets0.1879%6,349
Net interest margin3.1909%5,030
Noninterest income to average assets0.4864%3,845
Noninterest expense to average assets2.7727%3,820
Loan and lease loss provision to assets0.0862%3,388
Net operating income to assets0.3787%5,225
Return on assets (ROA)0.3787%5,340
Pretax return on assets0.5728%4,959
Return on Equity (ROE)3.9940%5,117
Retained earnings to average equity (ytd only)3.9940%3,354
Net charge-offs to loans0.0571%4,431
Credit loss provision to net charge-offs328.4211%699
Earnings coverage of net charge-offs (x)25.1158%1,341
Efficiency ratio80.7968%2,044
Assets per employee ($millions)4.0282%3,808
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.9855%1,590
Loan loss allowance to noncurrent loans44.5638%5,474
Noncurrent assets plus other real estate owned to assets2.1815%1,639
Noncurrent loans to loans4.4554%599
Net loans and leases to total assets42.5412%5,792
Net loans and leases to deposits47.0096%5,951
Net loans and leases to core deposits48.8752%5,990
Total domestic deposits to total assets90.4947%817
Equity capital to assets8.8130%5,240
Core capital (leverage) ratio9.2222%4,688
Tier 1 risk-based capital ratio16.9102%2,648
Total risk-based capital ratio18.1471%2,621
Memoranda:
Average total assets$362,070,0001,790
Average earning assets$334,198,2001,778
Average equity$34,326,4002,002
Average total loans$166,485,0002,344
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4238%5,833
Cost of funding earning assets0.1992%6,402
Net interest margin3.2246%4,914
Noninterest income to average assets0.5045%3,774
Noninterest expense to average assets2.8539%3,470
Loan and lease loss provision to assets0.0893%3,272
Net operating income to assets0.3470%5,443
Return on assets (ROA)0.3470%5,572
Pretax return on assets0.5252%5,283
Return on Equity (ROE)3.5895%5,391
Retained earnings to average equity (ytd only)3.5895%4,139
Net charge-offs to loans-0.0645%6,385
Credit loss provision to net charge-offs-296.2500%5,965
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2833%1,793
Assets per employee ($millions)3.7463%4,357
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.0620%1,586
Loan loss allowance to noncurrent loans52.0511%5,142
Noncurrent assets plus other real estate owned to assets2.1132%1,893
Noncurrent loans to loans3.9615%890
Net loans and leases to total assets45.7728%5,569
Net loans and leases to deposits51.0047%5,775
Net loans and leases to core deposits53.6178%5,792
Total domestic deposits to total assets89.7424%1,143
Equity capital to assets9.4659%4,596
Core capital (leverage) ratio9.6306%4,202
Tier 1 risk-based capital ratio16.1668%3,098
Total risk-based capital ratio17.3778%3,082
Memoranda:
Average total assets$353,895,5001,842
Average earning assets$325,285,2501,835
Average equity$34,210,2502,026
Average total loans$165,271,0002,368
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4003%5,909
Cost of funding earning assets0.2107%6,423
Net interest margin3.1896%4,982
Noninterest income to average assets0.5406%3,563
Noninterest expense to average assets2.8455%3,529
Loan and lease loss provision to assets0.0890%3,302
Net operating income to assets0.3524%5,394
Return on assets (ROA)0.3524%5,574
Pretax return on assets0.5332%5,259
Return on Equity (ROE)3.6196%5,376
Retained earnings to average equity (ytd only)3.6196%4,014
Net charge-offs to loans-0.0965%6,496
Credit loss provision to net charge-offs-197.4684%5,728
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.0589%1,882
Assets per employee ($millions)3.5241%4,804
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.0526%1,736
Loan loss allowance to noncurrent loans53.0809%5,075
Noncurrent assets plus other real estate owned to assets2.0927%2,065
Noncurrent loans to loans3.8669%1,036
Net loans and leases to total assets46.7778%5,449
Net loans and leases to deposits52.3033%5,662
Net loans and leases to core deposits55.3014%5,654
Total domestic deposits to total assets89.4357%1,357
Equity capital to assets9.7718%4,214
Core capital (leverage) ratio9.7757%3,828
Tier 1 risk-based capital ratio16.0004%3,197
Total risk-based capital ratio17.2592%3,130
Memoranda:
Average total assets$350,731,3301,860
Average earning assets$321,854,6701,862
Average equity$34,147,6702,039
Average total loans$163,749,6702,388
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3611%6,024
Cost of funding earning assets0.2284%6,423
Net interest margin3.1327%5,152
Noninterest income to average assets0.5141%3,685
Noninterest expense to average assets2.8971%3,357
Loan and lease loss provision to assets0.0876%3,203
Net operating income to assets0.2650%5,680
Return on assets (ROA)0.2650%5,801
Pretax return on assets0.4004%5,556
Return on Equity (ROE)2.7271%5,695
Retained earnings to average equity (ytd only)2.7271%4,650
Net charge-offs to loans-0.2243%6,707
Credit loss provision to net charge-offs-84.6154%5,123
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.5847%1,567
Assets per employee ($millions)3.6193%4,738
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0777%1,850
Loan loss allowance to noncurrent loans50.9030%5,125
Noncurrent assets plus other real estate owned to assets2.3243%1,998
Noncurrent loans to loans4.0816%1,094
Net loans and leases to total assets44.5670%5,602
Net loans and leases to deposits49.7680%5,805
Net loans and leases to core deposits52.7655%5,764
Total domestic deposits to total assets89.5496%1,333
Equity capital to assets9.6596%4,625
Core capital (leverage) ratio9.7233%3,760
Tier 1 risk-based capital ratio15.4156%3,584
Total risk-based capital ratio16.6690%3,538
Memoranda:
Average total assets$351,656,5001,881
Average earning assets$322,278,5001,877
Average equity$34,175,5002,064
Average total loans$162,315,0002,420
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7791%5,879
Cost of funding earning assets0.2819%6,544
Net interest margin3.4972%4,513
Noninterest income to average assets0.7963%2,275
Noninterest expense to average assets2.9811%3,344
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.6614%3,923
Return on assets (ROA)0.6614%4,189
Pretax return on assets0.9942%3,564
Return on Equity (ROE)6.6522%3,838
Retained earnings to average equity (ytd only)6.6522%1,743
Net charge-offs to loans-0.4575%6,998
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9906%2,910
Assets per employee ($millions)3.5940%4,799
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.9516%2,151
Loan loss allowance to noncurrent loans49.8513%5,138
Noncurrent assets plus other real estate owned to assets2.2859%2,147
Noncurrent loans to loans3.9149%1,223
Net loans and leases to total assets45.8995%5,624
Net loans and leases to deposits51.3555%5,862
Net loans and leases to core deposits54.4341%5,849
Total domestic deposits to total assets89.3761%1,316
Equity capital to assets9.7783%4,486
Core capital (leverage) ratio9.9827%3,425
Tier 1 risk-based capital ratio16.4342%2,924
Total risk-based capital ratio17.6926%2,887
Memoranda:
Average total assets$332,926,0001,935
Average earning assets$302,642,0001,958
Average equity$33,101,8002,082
Average total loans$160,881,2002,415
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8206%5,970
Cost of funding earning assets0.2993%6,617
Net interest margin3.5213%4,560
Noninterest income to average assets0.8818%1,902
Noninterest expense to average assets3.0260%3,145
Loan and lease loss provision to assets-0.0312%6,975
Net operating income to assets0.7250%3,800
Return on assets (ROA)0.7250%4,049
Pretax return on assets1.0905%3,383
Return on Equity (ROE)7.2600%3,660
Retained earnings to average equity (ytd only)7.2600%1,971
Net charge-offs to loans-0.6296%7,105
Credit loss provision to net charge-offs10.1717%5,075
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0700%2,971
Assets per employee ($millions)3.2910%5,456
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.9485%2,327
Loan loss allowance to noncurrent loans54.7777%4,901
Noncurrent assets plus other real estate owned to assets2.2166%2,416
Noncurrent loans to loans3.5571%1,521
Net loans and leases to total assets47.8592%5,562
Net loans and leases to deposits53.6153%5,835
Net loans and leases to core deposits56.5239%5,849
Total domestic deposits to total assets89.2641%1,269
Equity capital to assets10.2628%4,117
Core capital (leverage) ratio10.3947%3,042
Tier 1 risk-based capital ratio16.6826%2,907
Total risk-based capital ratio17.9367%2,868
Memoranda:
Average total assets$329,003,0001,972
Average earning assets$299,317,7501,994
Average equity$32,855,0002,113
Average total loans$160,301,7502,450
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8091%6,117
Cost of funding earning assets0.3217%6,637
Net interest margin3.4875%4,728
Noninterest income to average assets1.0968%1,192
Noninterest expense to average assets3.0167%3,198
Loan and lease loss provision to assets-0.0912%7,102
Net operating income to assets0.8907%2,957
Return on assets (ROA)0.8907%3,218
Pretax return on assets1.3418%2,416
Return on Equity (ROE)9.0020%2,814
Retained earnings to average equity (ytd only)9.0020%1,277
Net charge-offs to loans-0.9439%7,176
Credit loss provision to net charge-offs19.8413%4,607
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6938%3,652
Assets per employee ($millions)3.3285%5,385
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.8986%2,563
Loan loss allowance to noncurrent loans50.2962%5,105
Noncurrent assets plus other real estate owned to assets2.3722%2,351
Noncurrent loans to loans3.7749%1,488
Net loans and leases to total assets48.9229%5,499
Net loans and leases to deposits54.8891%5,781
Net loans and leases to core deposits58.5053%5,736
Total domestic deposits to total assets89.1304%1,433
Equity capital to assets10.2935%3,943
Core capital (leverage) ratio10.1747%3,171
Tier 1 risk-based capital ratio16.9734%2,676
Total risk-based capital ratio18.2326%2,633
Memoranda:
Average total assets$328,970,3301,974
Average earning assets$299,070,6701,987
Average equity$32,548,3302,118
Average total loans$160,190,6702,461
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6888%6,455
Cost of funding earning assets0.3387%6,686
Net interest margin3.3500%5,303
Noninterest income to average assets1.8083%479
Noninterest expense to average assets2.9588%3,425
Loan and lease loss provision to assets0.0904%4,225
Net operating income to assets1.1915%1,760
Return on assets (ROA)1.1915%1,944
Pretax return on assets1.7975%1,070
Return on Equity (ROE)12.2836%1,588
Retained earnings to average equity (ytd only)12.2836%782
Net charge-offs to loans-0.1627%6,940
Credit loss provision to net charge-offs-115.3846%5,518
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0490%5,449
Assets per employee ($millions)3.4689%5,188
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.6266%3,620
Loan loss allowance to noncurrent loans71.2517%3,993
Noncurrent assets plus other real estate owned to assets1.6981%3,311
Noncurrent loans to loans2.2829%2,817
Net loans and leases to total assets48.0379%5,550
Net loans and leases to deposits53.6531%5,846
Net loans and leases to core deposits58.2492%5,691
Total domestic deposits to total assets89.5342%1,348
Equity capital to assets10.0153%4,107
Core capital (leverage) ratio9.9821%3,382
Tier 1 risk-based capital ratio16.3210%3,006
Total risk-based capital ratio17.5762%2,960
Memoranda:
Average total assets$332,023,0001,962
Average earning assets$301,131,5001,974
Average equity$32,205,5002,136
Average total loans$159,780,0002,484
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0596%6,341
Cost of funding earning assets0.4426%6,756
Net interest margin3.6170%4,667
Noninterest income to average assets0.6201%3,061
Noninterest expense to average assets3.4078%2,217
Loan and lease loss provision to assets0.0933%5,431
Net operating income to assets0.2754%5,348
Return on assets (ROA)0.2754%5,503
Pretax return on assets0.4117%5,260
Return on Equity (ROE)2.8291%5,353
Retained earnings to average equity (ytd only)2.8291%4,226
Net charge-offs to loans1.6231%966
Credit loss provision to net charge-offs10.9689%6,002
Earnings coverage of net charge-offs (x)0.5934%5,381
Efficiency ratio87.0934%1,432
Assets per employee ($millions)3.3463%5,388
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.5281%3,894
Loan loss allowance to noncurrent loans96.6088%3,126
Noncurrent assets plus other real estate owned to assets2.2659%2,656
Noncurrent loans to loans1.5817%3,791
Net loans and leases to total assets46.7142%5,944
Net loans and leases to deposits51.7398%6,234
Net loans and leases to core deposits56.0533%6,152
Total domestic deposits to total assets90.2868%824
Equity capital to assets9.3954%5,025
Core capital (leverage) ratio9.4553%4,100
Tier 1 risk-based capital ratio15.5296%3,306
Total risk-based capital ratio16.7408%3,286
Memoranda:
Average total assets$321,380,8002,001
Average earning assets$292,562,2002,001
Average equity$31,281,6002,117
Average total loans$168,509,6002,387
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0970%6,422
Cost of funding earning assets0.4692%6,820
Net interest margin3.6277%4,667
Noninterest income to average assets0.5720%3,367
Noninterest expense to average assets3.4582%2,054
Loan and lease loss provision to assets0.0946%5,284
Net operating income to assets0.2160%5,655
Return on assets (ROA)0.2160%5,790
Pretax return on assets0.3207%5,660
Return on Equity (ROE)2.1991%5,706
Retained earnings to average equity (ytd only)2.1991%5,024
Net charge-offs to loans2.1443%573
Credit loss provision to net charge-offs8.2027%5,677
Earnings coverage of net charge-offs (x)0.3602%5,340
Efficiency ratio89.2795%1,215
Assets per employee ($millions)3.1924%5,701
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4353%4,394
Loan loss allowance to noncurrent loans91.2173%3,197
Noncurrent assets plus other real estate owned to assets2.3702%2,709
Noncurrent loans to loans1.5735%3,939
Net loans and leases to total assets49.9401%5,712
Net loans and leases to deposits55.5180%6,071
Net loans and leases to core deposits60.1629%5,982
Total domestic deposits to total assets89.9530%891
Equity capital to assets9.6773%4,808
Core capital (leverage) ratio9.8000%3,707
Tier 1 risk-based capital ratio15.1815%3,557
Total risk-based capital ratio16.3396%3,580
Memoranda:
Average total assets$317,232,5002,026
Average earning assets$288,693,5002,035
Average equity$31,163,5002,125
Average total loans$170,554,0002,382
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0891%6,515
Cost of funding earning assets0.4970%6,852
Net interest margin3.5921%4,752
Noninterest income to average assets0.4980%3,870
Noninterest expense to average assets3.4729%2,057
Loan and lease loss provision to assets0.0954%5,135
Net operating income to assets0.1520%5,878
Return on assets (ROA)0.1520%5,973
Pretax return on assets0.2214%5,883
Return on Equity (ROE)1.5396%5,925
Retained earnings to average equity (ytd only)1.5396%5,212
Net charge-offs to loans3.1240%316
Credit loss provision to net charge-offs5.5700%5,286
Earnings coverage of net charge-offs (x)0.1849%5,170
Efficiency ratio91.6415%1,116
Assets per employee ($millions)3.0884%5,903
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3983%4,576
Loan loss allowance to noncurrent loans24.4162%6,550
Noncurrent assets plus other real estate owned to assets4.4483%1,421
Noncurrent loans to loans5.7270%1,075
Net loans and leases to total assets52.4240%5,509
Net loans and leases to deposits58.3884%5,892
Net loans and leases to core deposits63.7191%5,754
Total domestic deposits to total assets89.7850%1,081
Equity capital to assets9.8982%4,274
Core capital (leverage) ratio9.8659%3,430
Tier 1 risk-based capital ratio15.2943%3,352
Total risk-based capital ratio16.4585%3,357
Memoranda:
Average total assets$314,434,0002,050
Average earning assets$288,131,6702,052
Average equity$31,047,3302,121
Average total loans$172,409,6702,379
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0648%6,573
Cost of funding earning assets0.5263%6,877
Net interest margin3.5385%4,856
Noninterest income to average assets0.5004%3,883
Noninterest expense to average assets3.4940%2,017
Loan and lease loss provision to assets0.0955%4,816
Net operating income to assets0.1146%6,056
Return on assets (ROA)0.1146%6,109
Pretax return on assets0.1643%6,020
Return on Equity (ROE)1.1620%6,084
Retained earnings to average equity (ytd only)1.1620%5,359
Net charge-offs to loans1.6515%811
Credit loss provision to net charge-offs10.3878%4,377
Earnings coverage of net charge-offs (x)0.2825%4,401
Efficiency ratio93.0801%1,096
Assets per employee ($millions)3.1529%5,833
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4589%1,520
Loan loss allowance to noncurrent loans26.5506%6,489
Noncurrent assets plus other real estate owned to assets5.2215%1,195
Noncurrent loans to loans9.2612%468
Net loans and leases to total assets53.3209%5,403
Net loans and leases to deposits59.3968%5,779
Net loans and leases to core deposits65.0732%5,617
Total domestic deposits to total assets89.7707%1,310
Equity capital to assets9.8366%3,982
Core capital (leverage) ratio9.7155%3,501
Tier 1 risk-based capital ratio15.0484%3,398
Total risk-based capital ratio16.2944%3,360
Memoranda:
Average total assets$314,143,0002,071
Average earning assets$288,823,5002,065
Average equity$30,980,5002,115
Average total loans$174,871,5002,365
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9518%4,777
Cost of funding earning assets0.6927%6,909
Net interest margin4.2590%1,962
Noninterest income to average assets0.5515%3,810
Noninterest expense to average assets3.7687%1,544
Loan and lease loss provision to assets0.2041%5,202
Net operating income to assets0.3181%4,872
Return on assets (ROA)0.3181%5,039
Pretax return on assets0.4716%4,718
Return on Equity (ROE)3.0916%4,923
Retained earnings to average equity (ytd only)3.0916%3,695
Net charge-offs to loans0.9977%2,196
Credit loss provision to net charge-offs31.6588%6,480
Earnings coverage of net charge-offs (x)1.0481%5,062
Efficiency ratio84.7970%1,823
Assets per employee ($millions)3.1300%5,822
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.7538%1,107
Loan loss allowance to noncurrent loans34.0205%6,043
Noncurrent assets plus other real estate owned to assets4.7480%1,379
Noncurrent loans to loans8.0946%634
Net loans and leases to total assets55.1140%5,470
Net loans and leases to deposits61.4072%5,907
Net loans and leases to core deposits67.4170%5,725
Total domestic deposits to total assets89.7516%1,234
Equity capital to assets9.8874%3,891
Core capital (leverage) ratio10.0059%3,085
Tier 1 risk-based capital ratio14.9127%3,298
Total risk-based capital ratio16.1451%3,267
Memoranda:
Average total assets$296,445,0002,172
Average earning assets$270,954,4002,174
Average equity$30,502,2002,143
Average total loans$191,535,8002,235
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0622%4,527
Cost of funding earning assets0.7202%7,003
Net interest margin4.3419%1,706
Noninterest income to average assets0.5720%3,636
Noninterest expense to average assets3.8634%1,254
Loan and lease loss provision to assets0.2212%4,846
Net operating income to assets0.3020%5,156
Return on assets (ROA)0.3020%5,326
Pretax return on assets0.4470%5,086
Return on Equity (ROE)2.9043%5,262
Retained earnings to average equity (ytd only)2.9043%4,391
Net charge-offs to loans1.2658%1,611
Credit loss provision to net charge-offs26.1879%6,192
Earnings coverage of net charge-offs (x)0.7910%5,256
Efficiency ratio85.2542%1,709
Assets per employee ($millions)2.8266%6,539
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.6501%1,140
Loan loss allowance to noncurrent loans33.6331%6,086
Noncurrent assets plus other real estate owned to assets4.9893%1,291
Noncurrent loans to loans7.8795%666
Net loans and leases to total assets59.1428%5,075
Net loans and leases to deposits66.2210%5,640
Net loans and leases to core deposits72.6820%5,439
Total domestic deposits to total assets89.3113%1,227
Equity capital to assets10.2488%3,821
Core capital (leverage) ratio10.4845%2,706
Tier 1 risk-based capital ratio14.5152%3,501
Total risk-based capital ratio15.7788%3,464
Memoranda:
Average total assets$292,307,5002,230
Average earning assets$266,572,0002,243
Average equity$30,391,0002,169
Average total loans$195,072,5002,237
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1537%4,172
Cost of funding earning assets0.7355%7,108
Net interest margin4.4182%1,401
Noninterest income to average assets0.4926%4,175
Noninterest expense to average assets3.9038%1,180
Loan and lease loss provision to assets0.1656%5,230
Net operating income to assets0.3077%5,146
Return on assets (ROA)0.3077%5,300
Pretax return on assets0.4561%5,044
Return on Equity (ROE)2.9453%5,256
Retained earnings to average equity (ytd only)2.9453%4,254
Net charge-offs to loans1.4332%1,334
Credit loss provision to net charge-offs16.7950%5,882
Earnings coverage of net charge-offs (x)0.6305%5,108
Efficiency ratio86.2631%1,677
Assets per employee ($millions)2.5730%6,997
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6050%1,186
Loan loss allowance to noncurrent loans29.9378%6,370
Noncurrent assets plus other real estate owned to assets5.8804%1,011
Noncurrent loans to loans8.7015%564
Net loans and leases to total assets63.2016%4,418
Net loans and leases to deposits70.7785%5,166
Net loans and leases to core deposits75.9846%5,197
Total domestic deposits to total assets89.2949%1,283
Equity capital to assets10.3276%3,617
Core capital (leverage) ratio10.4232%2,690
Tier 1 risk-based capital ratio13.9476%3,772
Total risk-based capital ratio15.2109%3,719
Memoranda:
Average total assets$289,868,6702,267
Average earning assets$264,584,6702,269
Average equity$30,285,3302,176
Average total loans$199,420,0002,222
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2096%3,965
Cost of funding earning assets0.7527%7,223
Net interest margin4.4568%1,241
Noninterest income to average assets0.4992%4,050
Noninterest expense to average assets4.0076%1,022
Loan and lease loss provision to assets0.1673%4,860
Net operating income to assets0.2677%5,429
Return on assets (ROA)0.2677%5,550
Pretax return on assets0.3946%5,309
Return on Equity (ROE)2.5474%5,539
Retained earnings to average equity (ytd only)2.5474%4,606
Net charge-offs to loans0.1260%4,214
Credit loss provision to net charge-offs187.5000%1,949
Earnings coverage of net charge-offs (x)6.2969%2,248
Efficiency ratio87.7022%1,622
Assets per employee ($millions)2.6600%6,940
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.1032%755
Loan loss allowance to noncurrent loans36.5600%5,933
Noncurrent assets plus other real estate owned to assets6.1365%959
Noncurrent loans to loans8.4881%614
Net loans and leases to total assets67.2759%3,557
Net loans and leases to deposits75.4049%4,514
Net loans and leases to core deposits81.2072%4,592
Total domestic deposits to total assets89.2195%1,408
Equity capital to assets10.4443%3,300
Core capital (leverage) ratio10.5109%2,612
Tier 1 risk-based capital ratio13.2354%4,182
Total risk-based capital ratio14.5053%4,107
Memoranda:
Average total assets$286,855,0002,335
Average earning assets$261,979,5002,341
Average equity$30,148,5002,209
Average total loans$203,123,5002,238
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0891%1,548
Cost of funding earning assets0.9250%7,349
Net interest margin5.1641%318
Noninterest income to average assets0.7773%2,526
Noninterest expense to average assets4.1303%1,184
Loan and lease loss provision to assets1.8172%1,239
Net operating income to assets-0.2673%5,918
Return on assets (ROA)-0.2673%5,920
Pretax return on assets-0.4561%5,969
Return on Equity (ROE)-2.4557%5,917
Retained earnings to average equity (ytd only)-2.4557%5,606
Net charge-offs to loans0.6341%3,303
Credit loss provision to net charge-offs394.7571%805
Earnings coverage of net charge-offs (x)2.9568%3,601
Efficiency ratio75.2133%3,667
Assets per employee ($millions)2.5797%7,071
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.0209%760
Loan loss allowance to noncurrent loans52.4705%4,859
Noncurrent assets plus other real estate owned to assets4.4219%1,465
Noncurrent loans to loans5.7573%1,104
Net loans and leases to total assets70.0389%3,249
Net loans and leases to deposits78.6680%4,240
Net loans and leases to core deposits96.6302%4,387
Total domestic deposits to total assets89.0309%1,470
Equity capital to assets10.5772%3,099
Core capital (leverage) ratio10.6587%2,466
Tier 1 risk-based capital ratio12.9970%4,145
Total risk-based capital ratio14.2653%4,077
Memoranda:
Average total assets$281,748,4002,333
Average earning assets$257,198,0002,352
Average equity$30,663,6002,186
Average total loans$204,533,0002,261
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2275%1,306
Cost of funding earning assets0.9474%7,489
Net interest margin5.2801%264
Noninterest income to average assets0.8548%2,178
Noninterest expense to average assets4.1880%1,047
Loan and lease loss provision to assets1.4222%1,350
Net operating income to assets0.0834%5,518
Return on assets (ROA)0.0834%5,565
Pretax return on assets0.0612%5,597
Return on Equity (ROE)0.7612%5,562
Retained earnings to average equity (ytd only)0.7612%4,858
Net charge-offs to loans0.3848%3,725
Credit loss provision to net charge-offs508.4746%772
Earnings coverage of net charge-offs (x)5.3034%2,867
Efficiency ratio73.8444%3,885
Assets per employee ($millions)2.6244%7,005
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.3253%1,267
Loan loss allowance to noncurrent loans60.5040%4,330
Noncurrent assets plus other real estate owned to assets2.9061%2,383
Noncurrent loans to loans3.8433%1,933
Net loans and leases to total assets70.1602%3,470
Net loans and leases to deposits79.1294%4,541
Net loans and leases to core deposits95.3802%4,883
Total domestic deposits to total assets88.6652%1,356
Equity capital to assets10.8261%3,187
Core capital (leverage) ratio11.0550%2,369
Tier 1 risk-based capital ratio13.2843%3,994
Total risk-based capital ratio14.5229%3,952
Memoranda:
Average total assets$281,242,7502,352
Average earning assets$256,552,7502,372
Average equity$30,825,7502,200
Average total loans$204,431,0002,277
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4548%910
Cost of funding earning assets0.9713%7,598
Net interest margin5.4835%184
Noninterest income to average assets0.8454%2,192
Noninterest expense to average assets4.2813%969
Loan and lease loss provision to assets2.0920%763
Net operating income to assets-0.2932%6,319
Return on assets (ROA)-0.2932%6,334
Pretax return on assets-0.5371%6,462
Return on Equity (ROE)-2.6642%6,322
Retained earnings to average equity (ytd only)-2.6642%5,903
Net charge-offs to loans0.5949%2,555
Credit loss provision to net charge-offs481.8781%963
Earnings coverage of net charge-offs (x)3.5815%3,383
Efficiency ratio73.3578%4,131
Assets per employee ($millions)2.5473%7,155
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.2828%1,122
Loan loss allowance to noncurrent loans62.5300%4,328
Noncurrent assets plus other real estate owned to assets4.1509%1,395
Noncurrent loans to loans3.6507%1,904
Net loans and leases to total assets72.2444%3,150
Net loans and leases to deposits81.5312%4,296
Net loans and leases to core deposits96.8804%4,804
Total domestic deposits to total assets88.6095%1,479
Equity capital to assets10.8928%3,027
Core capital (leverage) ratio10.7973%2,567
Tier 1 risk-based capital ratio12.8791%4,227
Total risk-based capital ratio14.0965%4,166
Memoranda:
Average total assets$279,637,6702,377
Average earning assets$254,509,6702,402
Average equity$30,778,0002,206
Average total loans$204,082,3302,307
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6540%632
Cost of funding earning assets0.9759%7,709
Net interest margin5.6781%142
Noninterest income to average assets0.5317%4,048
Noninterest expense to average assets4.2561%889
Loan and lease loss provision to assets0.4989%2,472
Net operating income to assets0.7583%3,307
Return on assets (ROA)0.7583%3,483
Pretax return on assets0.9764%3,437
Return on Equity (ROE)6.8546%3,644
Retained earnings to average equity (ytd only)6.8546%2,259
Net charge-offs to loans1.1952%1,163
Credit loss provision to net charge-offs57.5658%4,558
Earnings coverage of net charge-offs (x)1.7023%3,878
Efficiency ratio74.2601%3,780
Assets per employee ($millions)2.3774%7,494
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0310%5,927
Loan loss allowance to noncurrent loans538.2653%653
Noncurrent assets plus other real estate owned to assets1.6383%3,451
Noncurrent loans to loans0.1915%6,985
Net loans and leases to total assets72.2026%3,200
Net loans and leases to deposits81.7529%4,325
Net loans and leases to core deposits95.6174%5,009
Total domestic deposits to total assets88.3181%1,566
Equity capital to assets11.1771%2,829
Core capital (leverage) ratio11.1158%2,414
Tier 1 risk-based capital ratio12.9740%4,194
Total risk-based capital ratio13.8608%4,385
Memoranda:
Average total assets$280,630,5002,383
Average earning assets$256,988,5002,395
Average equity$31,045,0002,188
Average total loans$203,486,5002,328
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5275%2,826
Cost of funding earning assets1.3202%7,826
Net interest margin5.2073%335
Noninterest income to average assets0.6727%3,307
Noninterest expense to average assets3.9299%1,515
Loan and lease loss provision to assets0.1951%4,927
Net operating income to assets0.9155%2,939
Return on assets (ROA)0.9155%2,786
Pretax return on assets1.3148%2,264
Return on Equity (ROE)8.6579%2,778
Retained earnings to average equity (ytd only)8.6579%666
Net charge-offs to loans0.1226%5,018
Credit loss provision to net charge-offs232.7586%2,043
Earnings coverage of net charge-offs (x)18.0129%1,728
Efficiency ratio72.2436%3,889
Assets per employee ($millions)2.4411%7,323
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1705%4,771
Loan loss allowance to noncurrent loans1,644.4444%347
Noncurrent assets plus other real estate owned to assets0.2508%6,577
Noncurrent loans to loans0.0712%7,219
Net loans and leases to total assets71.2230%3,743
Net loans and leases to deposits81.2877%4,829
Net loans and leases to core deposits94.7327%5,384
Total domestic deposits to total assets87.6184%1,661
Equity capital to assets10.9481%3,082
Core capital (leverage) ratio10.5695%2,923
Tier 1 risk-based capital ratio12.8753%4,176
Total risk-based capital ratio13.8803%4,256
Memoranda:
Average total assets$276,774,6002,334
Average earning assets$253,374,8002,337
Average equity$29,268,2002,308
Average total loans$189,304,6002,399