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Citizens Commerce Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5695%532
Cost of funding earning assets0.2927%2,473
Net interest margin4.2768%429
Noninterest income to average assets0.6750%1,852
Noninterest expense to average assets2.7078%1,615
Loan and lease loss provision to assets0.0582%1,894
Net operating income to assets1.4654%1,092
Return on assets (ROA)1.4782%1,118
Pretax return on assets1.9914%611
Return on Equity (ROE)14.4887%1,067
Retained earnings to average equity (ytd only)12.5698%459
Net charge-offs to loans-0.0326%4,157
Credit loss provision to net charge-offs-243.2432%3,565
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1117%3,566
Assets per employee ($millions)4.5486%4,082
Cash dividends to net income (ytd only)*13.2443%3,253
Condition Ratios (%)
Loss allowance to loans1.2099%2,838
Loan loss allowance to noncurrent loans643.8202%1,179
Noncurrent assets plus other real estate owned to assets0.3049%2,011
Noncurrent loans to loans0.1879%3,008
Net loans and leases to total assets74.5374%622
Net loans and leases to deposits84.7910%862
Net loans and leases to core deposits91.9344%883
Total domestic deposits to total assets87.9072%2,097
Equity capital to assets10.4924%2,182
Core capital (leverage) ratio10.6339%1,814
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$309,030,8002,397
Average earning assets$293,818,0002,362
Average equity$31,528,0002,442
Average total loans$227,320,6002,061
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8577%373
Cost of funding earning assets0.3069%2,529
Net interest margin4.5508%287
Noninterest income to average assets0.6986%1,823
Noninterest expense to average assets2.7171%1,545
Loan and lease loss provision to assets0.0585%1,821
Net operating income to assets1.6808%863
Return on assets (ROA)1.6814%908
Pretax return on assets2.2467%502
Return on Equity (ROE)16.6014%831
Retained earnings to average equity (ytd only)14.9764%398
Net charge-offs to loans-0.0302%4,135
Credit loss provision to net charge-offs-264.7059%3,454
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1102%3,797
Assets per employee ($millions)4.9047%3,791
Cash dividends to net income (ytd only)*9.7888%2,977
Condition Ratios (%)
Loss allowance to loans1.2126%2,935
Loan loss allowance to noncurrent loans307.0252%1,957
Noncurrent assets plus other real estate owned to assets0.4097%1,821
Noncurrent loans to loans0.3949%2,380
Net loans and leases to total assets72.5921%817
Net loans and leases to deposits82.9620%1,031
Net loans and leases to core deposits91.0506%978
Total domestic deposits to total assets87.5004%2,108
Equity capital to assets10.5270%2,438
Core capital (leverage) ratio10.5397%2,025
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$307,824,5002,426
Average earning assets$292,394,7502,393
Average equity$31,177,2502,488
Average total loans$224,949,5002,109
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1270%285
Cost of funding earning assets0.3218%2,570
Net interest margin4.8051%221
Noninterest income to average assets0.7037%1,793
Noninterest expense to average assets2.7142%1,557
Loan and lease loss provision to assets0.0589%1,856
Net operating income to assets1.8646%629
Return on assets (ROA)1.8620%661
Pretax return on assets2.4879%363
Return on Equity (ROE)18.6352%582
Retained earnings to average equity (ytd only)17.3916%254
Net charge-offs to loans0.0036%2,038
Credit loss provision to net charge-offs2,250.0000%262
Earnings coverage of net charge-offs (x)974.7500%130
Efficiency ratio51.5592%4,088
Assets per employee ($millions)4.4595%4,128
Cash dividends to net income (ytd only)*6.6737%2,956
Condition Ratios (%)
Loss allowance to loans1.2169%2,836
Loan loss allowance to noncurrent loans358.6436%1,658
Noncurrent assets plus other real estate owned to assets0.3789%2,091
Noncurrent loans to loans0.3393%2,693
Net loans and leases to total assets71.1517%1,060
Net loans and leases to deposits81.2419%1,300
Net loans and leases to core deposits89.5185%1,170
Total domestic deposits to total assets87.5800%2,052
Equity capital to assets10.4421%2,447
Core capital (leverage) ratio10.2455%2,172
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$305,799,6672,427
Average earning assets$290,231,0002,403
Average equity$30,555,0002,508
Average total loans$223,045,0002,133
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7827%2,146
Cost of funding earning assets0.3420%2,597
Net interest margin3.4408%1,989
Noninterest income to average assets0.7112%1,843
Noninterest expense to average assets2.6886%1,645
Loan and lease loss provision to assets0.0590%1,946
Net operating income to assets0.9135%3,097
Return on assets (ROA)0.9146%3,165
Pretax return on assets1.2255%2,771
Return on Equity (ROE)9.3661%2,903
Retained earnings to average equity (ytd only)9.3661%1,837
Net charge-offs to loans-0.0072%3,528
Credit loss provision to net charge-offs-1,125.0000%3,393
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6908%1,976
Assets per employee ($millions)4.7780%3,857
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1546%3,172
Loan loss allowance to noncurrent loans325.9804%1,635
Noncurrent assets plus other real estate owned to assets0.4125%2,164
Noncurrent loans to loans0.3542%2,811
Net loans and leases to total assets73.3245%872
Net loans and leases to deposits82.7248%1,274
Net loans and leases to core deposits90.7028%1,185
Total domestic deposits to total assets88.6367%1,541
Equity capital to assets9.5009%3,205
Core capital (leverage) ratio9.5547%2,992
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$304,846,5002,417
Average earning assets$288,890,5002,391
Average equity$29,767,0002,562
Average total loans$223,750,0002,128
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2603%1,979
Cost of funding earning assets0.5938%2,361
Net interest margin3.6664%1,923
Noninterest income to average assets0.6938%1,886
Noninterest expense to average assets2.8204%1,892
Loan and lease loss provision to assets0.1883%2,069
Net operating income to assets0.9101%2,649
Return on assets (ROA)0.9163%2,755
Pretax return on assets1.1508%2,514
Return on Equity (ROE)9.0512%2,371
Retained earnings to average equity (ytd only)5.0698%2,246
Net charge-offs to loans-0.0437%4,642
Credit loss provision to net charge-offs-568.0851%3,946
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9328%2,245
Assets per employee ($millions)4.4645%3,956
Cash dividends to net income (ytd only)*43.9877%2,147
Condition Ratios (%)
Loss allowance to loans1.2026%2,928
Loan loss allowance to noncurrent loans433.7209%1,289
Noncurrent assets plus other real estate owned to assets0.3567%2,558
Noncurrent loans to loans0.2773%3,198
Net loans and leases to total assets71.7113%1,326
Net loans and leases to deposits80.8157%1,784
Net loans and leases to core deposits89.4397%1,573
Total domestic deposits to total assets88.7344%1,101
Equity capital to assets10.0243%3,115
Core capital (leverage) ratio9.6901%2,924
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$284,070,4002,378
Average earning assets$267,918,2002,351
Average equity$28,758,6002,547
Average total loans$215,141,4002,135
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1534%2,512
Cost of funding earning assets0.6501%2,321
Net interest margin3.5033%2,581
Noninterest income to average assets0.6264%2,080
Noninterest expense to average assets2.8092%1,944
Loan and lease loss provision to assets0.0999%3,074
Net operating income to assets0.8126%3,044
Return on assets (ROA)0.8210%3,137
Pretax return on assets1.0293%2,966
Return on Equity (ROE)8.0883%2,778
Retained earnings to average equity (ytd only)2.7226%3,638
Net charge-offs to loans0.0037%3,031
Credit loss provision to net charge-offs3,500.0000%303
Earnings coverage of net charge-offs (x)392.0000%291
Efficiency ratio71.5185%1,696
Assets per employee ($millions)4.5697%3,757
Cash dividends to net income (ytd only)*66.3384%926
Condition Ratios (%)
Loss allowance to loans0.9411%3,925
Loan loss allowance to noncurrent loans324.4807%1,537
Noncurrent assets plus other real estate owned to assets0.4014%2,572
Noncurrent loans to loans0.2900%3,235
Net loans and leases to total assets78.7090%748
Net loans and leases to deposits91.8549%1,084
Net loans and leases to core deposits103.0163%980
Total domestic deposits to total assets85.6883%2,183
Equity capital to assets9.9329%3,286
Core capital (leverage) ratio9.3052%3,452
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$280,307,2502,376
Average earning assets$264,162,7502,353
Average equity$28,452,0002,561
Average total loans$214,647,7502,140
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1861%2,807
Cost of funding earning assets0.7082%2,337
Net interest margin3.4779%2,864
Noninterest income to average assets0.5951%2,147
Noninterest expense to average assets2.8206%2,048
Loan and lease loss provision to assets0.0724%3,397
Net operating income to assets0.7794%3,113
Return on assets (ROA)0.7927%3,181
Pretax return on assets0.9933%3,054
Return on Equity (ROE)7.7515%2,844
Retained earnings to average equity (ytd only)-0.3539%4,374
Net charge-offs to loans-0.0259%4,491
Credit loss provision to net charge-offs-370.3704%3,565
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8906%1,581
Assets per employee ($millions)4.6627%3,578
Cash dividends to net income (ytd only)*104.5662%439
Condition Ratios (%)
Loss allowance to loans0.9238%3,907
Loan loss allowance to noncurrent loans553.8058%929
Noncurrent assets plus other real estate owned to assets0.2999%3,109
Noncurrent loans to loans0.1668%3,786
Net loans and leases to total assets77.0342%994
Net loans and leases to deposits90.3371%1,321
Net loans and leases to core deposits101.2275%1,173
Total domestic deposits to total assets85.2742%2,274
Equity capital to assets9.6562%3,517
Core capital (leverage) ratio9.1413%3,749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$276,256,0002,370
Average earning assets$260,097,0002,359
Average equity$28,252,6672,571
Average total loans$208,737,0002,159
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3074%2,901
Cost of funding earning assets0.7997%2,397
Net interest margin3.5077%2,952
Noninterest income to average assets0.6280%1,911
Noninterest expense to average assets2.9128%2,087
Loan and lease loss provision to assets0.0374%3,302
Net operating income to assets0.7749%3,000
Return on assets (ROA)0.7701%3,091
Pretax return on assets0.9645%2,949
Return on Equity (ROE)7.3059%2,828
Retained earnings to average equity (ytd only)7.3059%1,443
Net charge-offs to loans-0.0463%4,611
Credit loss provision to net charge-offs-108.6957%3,189
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2944%1,773
Assets per employee ($millions)4.2085%3,649
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9995%3,721
Loan loss allowance to noncurrent loans1,238.4146%472
Noncurrent assets plus other real estate owned to assets0.2465%3,472
Noncurrent loans to loans0.0807%4,188
Net loans and leases to total assets74.6929%1,507
Net loans and leases to deposits87.7798%1,771
Net loans and leases to core deposits99.4429%1,517
Total domestic deposits to total assets85.0911%2,380
Equity capital to assets10.6938%3,145
Core capital (leverage) ratio10.1511%3,290
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$267,509,0002,382
Average earning assets$251,103,0002,363
Average equity$28,196,5002,562
Average total loans$198,906,5002,195
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4065%3,230
Cost of funding earning assets1.0010%1,716
Net interest margin3.4055%3,732
Noninterest income to average assets0.6364%2,064
Noninterest expense to average assets2.9676%2,106
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.6814%3,923
Return on assets (ROA)0.6911%3,959
Pretax return on assets0.8633%3,843
Return on Equity (ROE)6.6953%3,663
Retained earnings to average equity (ytd only)6.6953%1,526
Net charge-offs to loans-0.0011%4,175
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7078%1,181
Assets per employee ($millions)4.1512%3,699
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0190%3,390
Loan loss allowance to noncurrent loans1,016.9231%578
Noncurrent assets plus other real estate owned to assets0.2616%3,384
Noncurrent loans to loans0.1002%4,124
Net loans and leases to total assets72.5017%2,010
Net loans and leases to deposits82.9829%2,442
Net loans and leases to core deposits94.0614%2,056
Total domestic deposits to total assets87.3695%1,423
Equity capital to assets10.3849%3,557
Core capital (leverage) ratio9.8436%3,682
Tier 1 risk-based capital ratio13.5149%3,517
Total risk-based capital ratio14.5481%3,514
Memoranda:
Average total assets$257,719,4002,410
Average earning assets$240,849,0002,404
Average equity$26,600,8002,586
Average total loans$186,582,6002,261
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4127%3,309
Cost of funding earning assets0.9983%1,769
Net interest margin3.4144%3,830
Noninterest income to average assets0.6543%1,968
Noninterest expense to average assets2.9671%2,063
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.7008%4,010
Return on assets (ROA)0.7138%4,039
Pretax return on assets0.8915%3,896
Return on Equity (ROE)6.9262%3,709
Retained earnings to average equity (ytd only)6.9262%1,898
Net charge-offs to loans-0.0051%4,207
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.2185%1,191
Assets per employee ($millions)4.2344%3,571
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0426%3,335
Loan loss allowance to noncurrent loans187.9962%2,190
Noncurrent assets plus other real estate owned to assets0.9364%1,442
Noncurrent loans to loans0.5546%2,637
Net loans and leases to total assets70.7672%2,365
Net loans and leases to deposits81.1226%2,787
Net loans and leases to core deposits89.8756%2,554
Total domestic deposits to total assets87.2348%1,415
Equity capital to assets10.2712%3,752
Core capital (leverage) ratio9.7461%3,916
Tier 1 risk-based capital ratio13.4911%3,577
Total risk-based capital ratio14.5482%3,591
Memoranda:
Average total assets$255,730,5002,441
Average earning assets$238,788,7502,432
Average equity$26,353,5002,617
Average total loans$184,577,7502,295
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4164%3,288
Cost of funding earning assets0.9436%1,943
Net interest margin3.4728%3,677
Noninterest income to average assets0.6562%1,891
Noninterest expense to average assets3.0256%1,930
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.7022%3,999
Return on assets (ROA)0.6991%4,068
Pretax return on assets0.8712%3,928
Return on Equity (ROE)6.7757%3,757
Retained earnings to average equity (ytd only)6.7757%1,917
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5631%1,212
Assets per employee ($millions)4.1230%3,698
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0792%3,184
Loan loss allowance to noncurrent loans92.0967%3,454
Noncurrent assets plus other real estate owned to assets1.0371%1,331
Noncurrent loans to loans1.1718%1,373
Net loans and leases to total assets71.0373%2,372
Net loans and leases to deposits81.5921%2,776
Net loans and leases to core deposits90.3280%2,570
Total domestic deposits to total assets87.0639%1,571
Equity capital to assets10.4685%3,543
Core capital (leverage) ratio9.9805%3,597
Tier 1 risk-based capital ratio13.8766%3,380
Total risk-based capital ratio14.9874%3,356
Memoranda:
Average total assets$252,052,3302,478
Average earning assets$235,488,0002,461
Average equity$26,004,6702,636
Average total loans$182,513,3302,322
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4928%2,897
Cost of funding earning assets0.9129%1,948
Net interest margin3.5798%3,327
Noninterest income to average assets0.5722%2,176
Noninterest expense to average assets3.0287%1,906
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.7084%3,906
Return on assets (ROA)0.7032%3,967
Pretax return on assets0.8775%3,834
Return on Equity (ROE)6.8670%3,727
Retained earnings to average equity (ytd only)6.8670%2,090
Net charge-offs to loans-0.0132%4,334
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4101%1,337
Assets per employee ($millions)4.2953%3,488
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0724%3,278
Loan loss allowance to noncurrent loans362.1129%1,355
Noncurrent assets plus other real estate owned to assets0.4368%2,840
Noncurrent loans to loans0.2961%3,508
Net loans and leases to total assets72.3657%2,097
Net loans and leases to deposits83.1812%2,481
Net loans and leases to core deposits91.6671%2,330
Total domestic deposits to total assets86.9977%1,815
Equity capital to assets10.2504%3,572
Core capital (leverage) ratio9.7781%3,833
Tier 1 risk-based capital ratio13.2453%3,740
Total risk-based capital ratio14.3324%3,746
Memoranda:
Average total assets$250,269,0002,512
Average earning assets$233,529,5002,500
Average equity$25,630,0002,671
Average total loans$181,985,0002,349
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6237%2,071
Cost of funding earning assets0.6857%2,173
Net interest margin3.9379%2,198
Noninterest income to average assets0.5922%2,337
Noninterest expense to average assets3.2650%1,404
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.7923%3,830
Return on assets (ROA)0.7889%3,849
Pretax return on assets0.9864%3,653
Return on Equity (ROE)7.5696%3,635
Retained earnings to average equity (ytd only)7.5696%1,427
Net charge-offs to loans0.0335%2,734
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)41.3750%1,278
Efficiency ratio76.7206%1,264
Assets per employee ($millions)3.9224%4,007
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.1098%3,035
Loan loss allowance to noncurrent loans359.0580%1,420
Noncurrent assets plus other real estate owned to assets0.4257%2,860
Noncurrent loans to loans0.3091%3,442
Net loans and leases to total assets71.4682%2,355
Net loans and leases to deposits82.0345%2,726
Net loans and leases to core deposits91.2396%2,476
Total domestic deposits to total assets87.1197%1,724
Equity capital to assets10.2313%3,441
Core capital (leverage) ratio9.9157%3,681
Tier 1 risk-based capital ratio13.4388%3,584
Total risk-based capital ratio14.5639%3,538
Memoranda:
Average total assets$233,873,8002,587
Average earning assets$217,576,4002,582
Average equity$24,373,8002,690
Average total loans$167,294,6002,465
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7155%1,627
Cost of funding earning assets0.6383%2,220
Net interest margin4.0773%1,702
Noninterest income to average assets0.5927%2,349
Noninterest expense to average assets3.2482%1,413
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.9059%3,499
Return on assets (ROA)0.9027%3,516
Pretax return on assets1.1305%3,276
Return on Equity (ROE)8.6194%3,282
Retained earnings to average equity (ytd only)8.6194%1,369
Net charge-offs to loans-0.0486%4,920
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1127%1,579
Assets per employee ($millions)3.6903%4,322
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2008%2,618
Loan loss allowance to noncurrent loans86.6529%3,688
Noncurrent assets plus other real estate owned to assets1.0357%1,403
Noncurrent loans to loans1.3858%1,199
Net loans and leases to total assets73.0519%2,157
Net loans and leases to deposits84.2149%2,575
Net loans and leases to core deposits91.6772%2,513
Total domestic deposits to total assets86.7446%1,849
Equity capital to assets10.4177%3,219
Core capital (leverage) ratio10.1285%3,494
Tier 1 risk-based capital ratio13.5083%3,624
Total risk-based capital ratio14.7229%3,556
Memoranda:
Average total assets$230,563,7502,619
Average earning assets$214,322,0002,617
Average equity$24,146,5002,727
Average total loans$164,470,7502,503
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9401%942
Cost of funding earning assets0.6090%2,168
Net interest margin4.3311%977
Noninterest income to average assets0.5693%2,478
Noninterest expense to average assets3.2585%1,417
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0636%2,735
Return on assets (ROA)1.0608%2,751
Pretax return on assets1.3310%2,388
Return on Equity (ROE)10.1109%2,516
Retained earnings to average equity (ytd only)10.1109%901
Net charge-offs to loans-0.0534%4,945
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9444%2,173
Assets per employee ($millions)3.6185%4,441
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2571%2,394
Loan loss allowance to noncurrent loans54.2656%4,342
Noncurrent assets plus other real estate owned to assets1.6420%765
Noncurrent loans to loans2.3165%586
Net loans and leases to total assets69.4644%2,658
Net loans and leases to deposits81.5704%2,812
Net loans and leases to core deposits88.7324%2,663
Total domestic deposits to total assets85.1588%2,615
Equity capital to assets10.4241%3,187
Core capital (leverage) ratio10.0486%3,528
Tier 1 risk-based capital ratio13.6362%3,539
Total risk-based capital ratio14.8753%3,459
Memoranda:
Average total assets$228,693,0002,650
Average earning assets$212,463,6702,646
Average equity$23,994,0002,752
Average total loans$161,085,0002,539
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2142%2,845
Cost of funding earning assets0.5889%2,122
Net interest margin3.6253%3,090
Noninterest income to average assets0.5447%2,552
Noninterest expense to average assets3.2151%1,533
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.5578%4,552
Return on assets (ROA)0.5536%4,564
Pretax return on assets0.6884%4,470
Return on Equity (ROE)5.2587%4,398
Retained earnings to average equity (ytd only)5.2587%3,055
Net charge-offs to loans0.1032%1,167
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)9.5366%1,959
Efficiency ratio82.2515%925
Assets per employee ($millions)3.7953%4,294
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2451%2,545
Loan loss allowance to noncurrent loans37.7959%4,680
Noncurrent assets plus other real estate owned to assets2.3538%415
Noncurrent loans to loans3.2943%331
Net loans and leases to total assets69.5211%2,562
Net loans and leases to deposits80.4184%2,763
Net loans and leases to core deposits86.7580%2,741
Total domestic deposits to total assets86.4493%2,340
Equity capital to assets10.4178%3,158
Core capital (leverage) ratio9.7082%3,835
Tier 1 risk-based capital ratio13.3681%3,734
Total risk-based capital ratio14.5939%3,661
Memoranda:
Average total assets$225,437,5002,704
Average earning assets$209,197,0002,700
Average equity$23,732,0002,796
Average total loans$158,896,0002,583
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5994%1,432
Cost of funding earning assets0.6659%1,210
Net interest margin3.9335%1,976
Noninterest income to average assets0.6156%2,376
Noninterest expense to average assets3.2677%1,439
Loan and lease loss provision to assets-0.2260%5,589
Net operating income to assets2.8890%77
Return on assets (ROA)2.8948%75
Pretax return on assets1.2696%2,472
Return on Equity (ROE)34.7637%22
Retained earnings to average equity (ytd only)34.7637%8
Net charge-offs to loans0.0414%2,957
Credit loss provision to net charge-offs-833.3333%5,033
Earnings coverage of net charge-offs (x)38.2667%1,300
Efficiency ratio75.8975%1,631
Assets per employee ($millions)3.7193%4,406
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.2941%2,247
Loan loss allowance to noncurrent loans43.0867%4,630
Noncurrent assets plus other real estate owned to assets2.1550%498
Noncurrent loans to loans3.0034%372
Net loans and leases to total assets69.6576%2,571
Net loans and leases to deposits80.0874%2,906
Net loans and leases to core deposits86.6421%2,866
Total domestic deposits to total assets86.9771%2,010
Equity capital to assets10.6386%3,005
Core capital (leverage) ratio9.7145%3,796
Tier 1 risk-based capital ratio13.3570%3,713
Total risk-based capital ratio14.6121%3,619
Memoranda:
Average total assets$221,255,2002,718
Average earning assets$207,550,8002,692
Average equity$18,424,4003,312
Average total loans$145,048,2002,706
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4799%1,701
Cost of funding earning assets0.6759%1,090
Net interest margin3.8040%2,381
Noninterest income to average assets0.6281%2,322
Noninterest expense to average assets3.3136%1,314
Loan and lease loss provision to assets-0.3020%5,693
Net operating income to assets1.1843%1,760
Return on assets (ROA)1.1927%1,758
Pretax return on assets1.2036%2,892
Return on Equity (ROE)15.4035%602
Retained earnings to average equity (ytd only)15.4035%104
Net charge-offs to loans0.0235%2,985
Credit loss provision to net charge-offs-2,000.0000%5,065
Earnings coverage of net charge-offs (x)59.1644%999
Efficiency ratio78.7683%1,239
Assets per employee ($millions)3.7365%4,401
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.3506%2,114
Loan loss allowance to noncurrent loans42.1256%4,710
Noncurrent assets plus other real estate owned to assets2.2802%514
Noncurrent loans to loans3.2062%367
Net loans and leases to total assets67.5362%2,911
Net loans and leases to deposits82.7214%2,689
Net loans and leases to core deposits89.7367%2,633
Total domestic deposits to total assets81.6429%3,886
Equity capital to assets8.7461%5,123
Core capital (leverage) ratio9.0364%4,701
Tier 1 risk-based capital ratio13.3539%3,793
Total risk-based capital ratio14.6056%3,702
Memoranda:
Average total assets$220,779,0002,742
Average earning assets$207,707,2502,710
Average equity$17,095,2503,512
Average total loans$141,938,7502,775
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7083%1,043
Cost of funding earning assets0.6762%1,009
Net interest margin4.0321%1,510
Noninterest income to average assets0.6756%2,096
Noninterest expense to average assets3.3482%1,277
Loan and lease loss provision to assets-0.4553%5,756
Net operating income to assets1.5590%771
Return on assets (ROA)1.5707%774
Pretax return on assets1.5844%1,392
Return on Equity (ROE)21.2208%172
Retained earnings to average equity (ytd only)21.2208%49
Net charge-offs to loans0.0043%3,334
Credit loss provision to net charge-offs-16,666.6667%5,129
Earnings coverage of net charge-offs (x)409.0000%207
Efficiency ratio74.9796%1,858
Assets per employee ($millions)3.5924%4,589
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.4225%1,850
Loan loss allowance to noncurrent loans41.8247%4,762
Noncurrent assets plus other real estate owned to assets2.3347%493
Noncurrent loans to loans3.4011%348
Net loans and leases to total assets65.1829%3,231
Net loans and leases to deposits81.0590%2,796
Net loans and leases to core deposits87.4483%2,750
Total domestic deposits to total assets80.4141%4,322
Equity capital to assets8.6797%5,165
Core capital (leverage) ratio8.9438%4,783
Tier 1 risk-based capital ratio13.4286%3,730
Total risk-based capital ratio14.6809%3,652
Memoranda:
Average total assets$219,641,6702,773
Average earning assets$206,444,3302,738
Average equity$16,257,6703,608
Average total loans$138,090,6702,836
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8798%3,463
Cost of funding earning assets0.6798%927
Net interest margin3.2000%4,348
Noninterest income to average assets0.5282%2,778
Noninterest expense to average assets3.3691%1,256
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.1632%5,444
Return on assets (ROA)0.1541%5,466
Pretax return on assets0.1541%5,481
Return on Equity (ROE)2.2825%5,284
Retained earnings to average equity (ytd only)2.2825%4,228
Net charge-offs to loans0.0120%2,578
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)22.2500%1,420
Efficiency ratio95.3790%336
Assets per employee ($millions)3.8046%4,342
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.9269%754
Loan loss allowance to noncurrent loans44.1232%4,770
Noncurrent assets plus other real estate owned to assets3.0131%337
Noncurrent loans to loans4.3671%225
Net loans and leases to total assets59.8306%3,804
Net loans and leases to deposits73.9411%3,411
Net loans and leases to core deposits79.7096%3,318
Total domestic deposits to total assets80.9166%4,431
Equity capital to assets7.9132%5,560
Core capital (leverage) ratio8.2767%5,393
Tier 1 risk-based capital ratio13.2733%3,901
Total risk-based capital ratio14.5315%3,820
Memoranda:
Average total assets$218,099,0002,806
Average earning assets$204,752,5002,780
Average equity$14,720,5003,813
Average total loans$133,498,5002,910
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1124%2,804
Cost of funding earning assets0.8421%404
Net interest margin3.2703%4,229
Noninterest income to average assets0.5688%2,824
Noninterest expense to average assets3.3810%1,401
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.2563%5,311
Return on assets (ROA)0.3446%5,179
Pretax return on assets0.3464%5,308
Return on Equity (ROE)6.0853%3,937
Retained earnings to average equity (ytd only)6.0853%1,664
Net charge-offs to loans-0.0174%5,086
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.9308%424
Assets per employee ($millions)3.5333%4,711
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.9626%708
Loan loss allowance to noncurrent loans42.3403%4,843
Noncurrent assets plus other real estate owned to assets3.1527%301
Noncurrent loans to loans4.6353%190
Net loans and leases to total assets60.2134%3,823
Net loans and leases to deposits72.2004%3,697
Net loans and leases to core deposits77.8867%3,575
Total domestic deposits to total assets83.3977%3,628
Equity capital to assets5.5579%5,865
Core capital (leverage) ratio5.8070%5,867
Tier 1 risk-based capital ratio9.3966%5,827
Total risk-based capital ratio10.6546%5,824
Memoranda:
Average total assets$218,514,2002,774
Average earning assets$205,087,2002,739
Average equity$12,374,0004,195
Average total loans$132,228,4002,886
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0782%2,956
Cost of funding earning assets0.8459%392
Net interest margin3.2322%4,396
Noninterest income to average assets0.5740%2,791
Noninterest expense to average assets3.3956%1,351
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.2116%5,446
Return on assets (ROA)0.3290%5,295
Pretax return on assets0.3314%5,411
Return on Equity (ROE)5.7832%4,178
Retained earnings to average equity (ytd only)5.7832%2,312
Net charge-offs to loans0.3107%743
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)1.1364%3,725
Efficiency ratio94.1018%384
Assets per employee ($millions)3.6797%4,512
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.7130%1,189
Loan loss allowance to noncurrent loans33.1094%5,123
Noncurrent assets plus other real estate owned to assets3.1606%350
Noncurrent loans to loans5.1738%157
Net loans and leases to total assets58.9148%4,002
Net loans and leases to deposits73.7993%3,615
Net loans and leases to core deposits79.3572%3,515
Total domestic deposits to total assets79.8311%4,553
Equity capital to assets6.0168%5,931
Core capital (leverage) ratio5.8029%5,932
Tier 1 risk-based capital ratio9.2161%5,907
Total risk-based capital ratio10.4712%5,907
Memoranda:
Average total assets$219,260,2502,774
Average earning assets$205,839,5002,742
Average equity$12,472,7504,209
Average total loans$132,191,5002,899
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2006%2,508
Cost of funding earning assets0.8551%365
Net interest margin3.3455%4,078
Noninterest income to average assets0.5714%2,787
Noninterest expense to average assets3.3572%1,465
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.3490%5,183
Return on assets (ROA)0.5092%4,754
Pretax return on assets0.5129%5,105
Return on Equity (ROE)9.1294%2,440
Retained earnings to average equity (ytd only)9.1294%814
Net charge-offs to loans-0.0984%5,609
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.5325%574
Assets per employee ($millions)3.4722%4,796
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.9674%790
Loan loss allowance to noncurrent loans46.9250%4,885
Noncurrent assets plus other real estate owned to assets2.7731%462
Noncurrent loans to loans4.1927%266
Net loans and leases to total assets60.1354%3,867
Net loans and leases to deposits74.5331%3,526
Net loans and leases to core deposits79.7610%3,483
Total domestic deposits to total assets80.6828%4,367
Equity capital to assets6.1125%6,011
Core capital (leverage) ratio5.7871%6,010
Tier 1 risk-based capital ratio8.8815%6,002
Total risk-based capital ratio10.1393%6,000
Memoranda:
Average total assets$218,753,6702,781
Average earning assets$205,112,0002,762
Average equity$12,202,3304,283
Average total loans$132,142,3302,900
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4691%1,597
Cost of funding earning assets0.8571%371
Net interest margin3.6120%3,039
Noninterest income to average assets0.5156%3,016
Noninterest expense to average assets3.3791%1,427
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.5193%4,545
Return on assets (ROA)0.7186%3,735
Pretax return on assets0.7186%4,458
Return on Equity (ROE)13.5307%923
Retained earnings to average equity (ytd only)13.5307%351
Net charge-offs to loans-0.0366%5,164
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.6792%914
Assets per employee ($millions)3.5695%4,705
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.9622%876
Loan loss allowance to noncurrent loans54.1894%4,730
Noncurrent assets plus other real estate owned to assets2.5994%553
Noncurrent loans to loans3.6210%367
Net loans and leases to total assets59.3621%3,868
Net loans and leases to deposits73.7593%3,460
Net loans and leases to core deposits78.5998%3,436
Total domestic deposits to total assets80.4808%4,638
Equity capital to assets5.7091%6,075
Core capital (leverage) ratio5.6846%6,073
Tier 1 risk-based capital ratio9.0366%6,056
Total risk-based capital ratio10.2947%6,049
Memoranda:
Average total assets$218,756,5002,796
Average earning assets$204,875,0002,769
Average equity$11,618,0004,398
Average total loans$131,121,0002,916
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8928%3,731
Cost of funding earning assets0.8723%329
Net interest margin3.0205%5,085
Noninterest income to average assets0.6014%2,706
Noninterest expense to average assets3.3325%1,640
Loan and lease loss provision to assets-0.3085%6,066
Net operating income to assets0.4005%5,051
Return on assets (ROA)0.4466%4,977
Pretax return on assets0.4466%5,234
Return on Equity (ROE)9.0161%2,445
Retained earnings to average equity (ytd only)9.0161%648
Net charge-offs to loans-0.5058%6,083
Credit loss provision to net charge-offs106.7093%2,358
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.3159%358
Assets per employee ($millions)3.7250%4,426
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.9747%834
Loan loss allowance to noncurrent loans68.5023%4,424
Noncurrent assets plus other real estate owned to assets2.1468%799
Noncurrent loans to loans2.8827%579
Net loans and leases to total assets58.1623%4,063
Net loans and leases to deposits71.3118%3,783
Net loans and leases to core deposits75.6513%3,785
Total domestic deposits to total assets81.5605%4,314
Equity capital to assets4.9164%6,144
Core capital (leverage) ratio5.5281%6,133
Tier 1 risk-based capital ratio8.8810%6,112
Total risk-based capital ratio10.1394%6,102
Memoranda:
Average total assets$216,503,0002,777
Average earning assets$202,348,6002,757
Average equity$10,725,2004,536
Average total loans$123,764,0002,993
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8742%3,832
Cost of funding earning assets0.8750%331
Net interest margin2.9991%5,191
Noninterest income to average assets0.6163%2,656
Noninterest expense to average assets3.3239%1,641
Loan and lease loss provision to assets-0.3400%6,168
Net operating income to assets0.4333%5,034
Return on assets (ROA)0.4853%4,938
Pretax return on assets0.4853%5,255
Return on Equity (ROE)9.7769%2,187
Retained earnings to average equity (ytd only)9.7769%676
Net charge-offs to loans-0.5372%6,165
Credit loss provision to net charge-offs111.7886%2,090
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.2685%379
Assets per employee ($millions)3.5773%4,655
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.0273%882
Loan loss allowance to noncurrent loans61.3669%4,649
Noncurrent assets plus other real estate owned to assets2.4050%739
Noncurrent loans to loans3.3036%499
Net loans and leases to total assets56.6716%4,282
Net loans and leases to deposits70.2336%3,955
Net loans and leases to core deposits74.5591%3,953
Total domestic deposits to total assets80.6901%4,553
Equity capital to assets5.1481%6,225
Core capital (leverage) ratio5.5073%6,215
Tier 1 risk-based capital ratio8.9746%6,192
Total risk-based capital ratio10.2334%6,182
Memoranda:
Average total assets$215,685,5002,812
Average earning assets$201,431,5002,787
Average equity$10,705,2504,585
Average total loans$122,105,0003,044
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8545%3,846
Cost of funding earning assets0.8788%318
Net interest margin2.9756%5,277
Noninterest income to average assets0.6609%2,411
Noninterest expense to average assets3.2833%1,751
Loan and lease loss provision to assets-0.5120%6,276
Net operating income to assets0.6665%4,052
Return on assets (ROA)0.7364%3,819
Pretax return on assets0.7364%4,538
Return on Equity (ROE)15.0252%725
Retained earnings to average equity (ytd only)15.0252%187
Net charge-offs to loans-0.8680%6,260
Credit loss provision to net charge-offs104.9618%1,983
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.5050%455
Assets per employee ($millions)3.3995%4,982
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.0612%900
Loan loss allowance to noncurrent loans61.4709%4,713
Noncurrent assets plus other real estate owned to assets2.4910%760
Noncurrent loans to loans3.3532%541
Net loans and leases to total assets57.4828%4,168
Net loans and leases to deposits70.3692%3,886
Net loans and leases to core deposits74.6883%3,886
Total domestic deposits to total assets81.6874%4,394
Equity capital to assets4.8251%6,305
Core capital (leverage) ratio5.5238%6,285
Tier 1 risk-based capital ratio9.0227%6,256
Total risk-based capital ratio10.2822%6,233
Memoranda:
Average total assets$214,842,3302,838
Average earning assets$200,494,6702,810
Average equity$10,529,0004,646
Average total loans$120,731,6703,074
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7225%4,289
Cost of funding earning assets0.8828%312
Net interest margin2.8397%5,571
Noninterest income to average assets0.6934%2,183
Noninterest expense to average assets3.1286%2,182
Loan and lease loss provision to assets-1.0224%6,383
Net operating income to assets1.2362%1,443
Return on assets (ROA)1.3626%1,174
Pretax return on assets1.3626%2,029
Return on Equity (ROE)27.5914%79
Retained earnings to average equity (ytd only)27.5914%33
Net charge-offs to loans-1.8267%6,353
Credit loss provision to net charge-offs101.8519%1,586
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6040%615
Assets per employee ($millions)3.5492%4,814
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.1894%820
Loan loss allowance to noncurrent loans40.7407%5,279
Noncurrent assets plus other real estate owned to assets3.7898%411
Noncurrent loans to loans5.3739%226
Net loans and leases to total assets53.7961%4,469
Net loans and leases to deposits66.6676%4,085
Net loans and leases to core deposits70.4161%4,116
Total domestic deposits to total assets80.6929%4,890
Equity capital to assets5.2351%6,361
Core capital (leverage) ratio5.4898%6,348
Tier 1 risk-based capital ratio9.6105%6,253
Total risk-based capital ratio10.8714%6,218
Memoranda:
Average total assets$215,178,5002,852
Average earning assets$200,726,5002,827
Average equity$10,626,5004,673
Average total loans$118,246,5003,118
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1047%3,310
Cost of funding earning assets0.9475%292
Net interest margin3.1571%5,050
Noninterest income to average assets0.5644%3,096
Noninterest expense to average assets3.5244%1,431
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets-0.0038%6,093
Return on assets (ROA)0.0548%6,039
Pretax return on assets0.0548%6,039
Return on Equity (ROE)1.4802%5,897
Retained earnings to average equity (ytd only)1.4802%5,102
Net charge-offs to loans0.2036%2,039
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)-0.0336%4,718
Efficiency ratio100.1074%359
Assets per employee ($millions)3.6247%4,674
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.2288%791
Loan loss allowance to noncurrent loans37.2739%5,444
Noncurrent assets plus other real estate owned to assets4.1247%400
Noncurrent loans to loans5.9795%194
Net loans and leases to total assets53.6810%4,615
Net loans and leases to deposits65.8529%4,346
Net loans and leases to core deposits69.6593%4,352
Total domestic deposits to total assets81.5165%4,592
Equity capital to assets4.6382%6,467
Core capital (leverage) ratio5.1905%6,448
Tier 1 risk-based capital ratio9.0112%6,405
Total risk-based capital ratio10.2743%6,394
Memoranda:
Average total assets$211,556,2002,864
Average earning assets$198,090,8002,825
Average equity$7,837,0005,239
Average total loans$116,874,2003,101
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1825%3,056
Cost of funding earning assets0.9580%295
Net interest margin3.2245%4,879
Noninterest income to average assets0.5763%3,021
Noninterest expense to average assets3.5522%1,371
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.0468%6,092
Return on assets (ROA)0.1036%6,052
Pretax return on assets0.1036%6,054
Return on Equity (ROE)2.9886%5,541
Retained earnings to average equity (ytd only)2.9886%4,476
Net charge-offs to loans0.2170%1,737
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)0.3895%4,397
Efficiency ratio98.7006%409
Assets per employee ($millions)3.5684%4,740
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.1905%958
Loan loss allowance to noncurrent loans33.7511%5,625
Noncurrent assets plus other real estate owned to assets4.0330%485
Noncurrent loans to loans6.4902%195
Net loans and leases to total assets55.5986%4,381
Net loans and leases to deposits68.0851%4,116
Net loans and leases to core deposits72.0019%4,152
Total domestic deposits to total assets81.6605%4,607
Equity capital to assets4.2297%6,546
Core capital (leverage) ratio5.2114%6,520
Tier 1 risk-based capital ratio8.8921%6,489
Total risk-based capital ratio10.1554%6,485
Memoranda:
Average total assets$210,981,2502,896
Average earning assets$197,769,7502,854
Average equity$7,316,5005,388
Average total loans$116,738,5003,125
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2134%2,904
Cost of funding earning assets0.9589%303
Net interest margin3.2545%4,762
Noninterest income to average assets0.5821%2,914
Noninterest expense to average assets3.6229%1,254
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.0114%6,171
Return on assets (ROA)0.0086%6,198
Pretax return on assets0.0086%6,187
Return on Equity (ROE)0.2672%6,179
Retained earnings to average equity (ytd only)0.2672%5,612
Net charge-offs to loans0.1460%2,217
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)0.1429%4,104
Efficiency ratio99.6855%416
Assets per employee ($millions)3.4403%4,973
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.3408%862
Loan loss allowance to noncurrent loans35.8798%5,619
Noncurrent assets plus other real estate owned to assets3.9433%545
Noncurrent loans to loans6.5240%209
Net loans and leases to total assets54.2003%4,519
Net loans and leases to deposits66.0914%4,261
Net loans and leases to core deposits70.1503%4,252
Total domestic deposits to total assets82.0081%4,646
Equity capital to assets3.9077%6,618
Core capital (leverage) ratio5.2182%6,575
Tier 1 risk-based capital ratio8.8880%6,541
Total risk-based capital ratio10.1540%6,537
Memoranda:
Average total assets$209,939,6702,915
Average earning assets$196,894,3302,874
Average equity$6,736,6705,553
Average total loans$115,082,6703,150
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2502%2,691
Cost of funding earning assets0.9563%328
Net interest margin3.2938%4,566
Noninterest income to average assets0.4917%3,479
Noninterest expense to average assets3.7491%1,056
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets-0.1748%6,341
Return on assets (ROA)-0.1786%6,348
Pretax return on assets-0.1786%6,335
Return on Equity (ROE)-6.2653%6,497
Retained earnings to average equity (ytd only)-6.2653%6,196
Net charge-offs to loans0.3491%1,024
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)-0.9192%3,507
Efficiency ratio104.8898%350
Assets per employee ($millions)3.3009%5,339
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.3940%918
Loan loss allowance to noncurrent loans49.4527%5,217
Noncurrent assets plus other real estate owned to assets3.4118%774
Noncurrent loans to loans4.8410%471
Net loans and leases to total assets54.0333%4,415
Net loans and leases to deposits65.3332%4,163
Net loans and leases to core deposits68.9883%4,208
Total domestic deposits to total assets82.7041%4,715
Equity capital to assets3.2959%6,687
Core capital (leverage) ratio5.2453%6,636
Tier 1 risk-based capital ratio9.0391%6,592
Total risk-based capital ratio10.3065%6,588
Memoranda:
Average total assets$208,261,5002,954
Average earning assets$194,909,5002,906
Average equity$5,937,5005,760
Average total loans$113,435,0003,193
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1052%3,719
Cost of funding earning assets1.0041%432
Net interest margin3.1010%5,311
Noninterest income to average assets0.6495%2,813
Noninterest expense to average assets3.8331%1,089
Loan and lease loss provision to assets-0.7106%6,774
Net operating income to assets0.4283%5,044
Return on assets (ROA)0.7968%3,402
Pretax return on assets0.7968%4,156
Return on Equity (ROE)23.8271%152
Retained earnings to average equity (ytd only)23.8271%56
Net charge-offs to loans0.1492%3,311
Credit loss provision to net charge-offs-937.5000%6,216
Earnings coverage of net charge-offs (x)-3.7250%5,365
Efficiency ratio107.9520%305
Assets per employee ($millions)3.3106%5,266
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.5549%775
Loan loss allowance to noncurrent loans46.1004%5,422
Noncurrent assets plus other real estate owned to assets3.6789%767
Noncurrent loans to loans5.5419%406
Net loans and leases to total assets52.2103%4,818
Net loans and leases to deposits62.9665%4,616
Net loans and leases to core deposits66.4496%4,660
Total domestic deposits to total assets82.9176%4,570
Equity capital to assets2.4074%6,777
Core capital (leverage) ratio5.3639%6,696
Tier 1 risk-based capital ratio9.3845%6,616
Total risk-based capital ratio10.6535%6,598
Memoranda:
Average total assets$211,082,2002,905
Average earning assets$197,482,2002,858
Average equity$7,059,2005,547
Average total loans$107,232,4003,301
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0745%3,853
Cost of funding earning assets1.0077%472
Net interest margin3.0668%5,410
Noninterest income to average assets0.6940%2,644
Noninterest expense to average assets3.9159%946
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets-0.3527%6,547
Return on assets (ROA)0.1373%6,132
Pretax return on assets0.1373%6,162
Return on Equity (ROE)3.8403%5,291
Retained earnings to average equity (ytd only)3.8403%3,953
Net charge-offs to loans0.1345%3,197
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)-5.2338%5,142
Efficiency ratio109.8975%270
Assets per employee ($millions)3.2791%5,326
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans4.1255%212
Loan loss allowance to noncurrent loans54.8600%5,023
Noncurrent assets plus other real estate owned to assets4.5563%658
Noncurrent loans to loans7.5200%252
Net loans and leases to total assets50.3878%5,097
Net loans and leases to deposits61.2661%4,838
Net loans and leases to core deposits64.5800%4,836
Total domestic deposits to total assets82.2442%4,851
Equity capital to assets2.3074%6,871
Core capital (leverage) ratio4.6816%6,797
Tier 1 risk-based capital ratio8.6078%6,744
Total risk-based capital ratio9.8984%6,746
Memoranda:
Average total assets$211,711,2502,922
Average earning assets$198,074,7502,875
Average equity$7,568,7505,504
Average total loans$106,103,5003,344
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0167%4,040
Cost of funding earning assets1.0014%543
Net interest margin3.0153%5,535
Noninterest income to average assets0.6592%2,860
Noninterest expense to average assets3.9214%954
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets-0.4410%6,617
Return on assets (ROA)0.2862%5,786
Pretax return on assets0.2862%5,911
Return on Equity (ROE)7.1998%3,490
Retained earnings to average equity (ytd only)7.1998%1,791
Net charge-offs to loans0.2286%2,357
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)-3.9091%4,812
Efficiency ratio112.6708%242
Assets per employee ($millions)3.3566%5,155
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans4.1509%225
Loan loss allowance to noncurrent loans49.4597%5,232
Noncurrent assets plus other real estate owned to assets4.9470%623
Noncurrent loans to loans8.3925%227
Net loans and leases to total assets49.5546%5,153
Net loans and leases to deposits60.3824%4,930
Net loans and leases to core deposits63.7106%4,926
Total domestic deposits to total assets82.0679%5,039
Equity capital to assets2.6965%6,909
Core capital (leverage) ratio4.5529%6,848
Tier 1 risk-based capital ratio8.7424%6,772
Total risk-based capital ratio10.0331%6,773
Memoranda:
Average total assets$214,514,0002,911
Average earning assets$200,710,6702,865
Average equity$8,528,0005,300
Average total loans$105,855,3303,357
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0211%4,033
Cost of funding earning assets0.9873%659
Net interest margin3.0338%5,474
Noninterest income to average assets0.5579%3,381
Noninterest expense to average assets3.8305%1,078
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets-0.4321%6,647
Return on assets (ROA)0.2844%5,734
Pretax return on assets0.2844%5,889
Return on Equity (ROE)6.2204%3,928
Retained earnings to average equity (ytd only)6.2204%2,555
Net charge-offs to loans0.1587%2,454
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)-5.6429%4,078
Efficiency ratio112.7146%290
Assets per employee ($millions)3.3346%5,362
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans4.2583%234
Loan loss allowance to noncurrent loans44.3178%5,410
Noncurrent assets plus other real estate owned to assets5.5862%609
Noncurrent loans to loans9.6086%230
Net loans and leases to total assets46.3988%5,398
Net loans and leases to deposits56.9410%5,146
Net loans and leases to core deposits59.9122%5,155
Total domestic deposits to total assets81.4858%5,368
Equity capital to assets4.3950%6,923
Core capital (leverage) ratio4.3230%6,916
Tier 1 risk-based capital ratio8.5253%6,839
Total risk-based capital ratio9.8167%6,841
Memoranda:
Average total assets$219,396,0002,875
Average earning assets$205,416,0002,837
Average equity$10,031,5004,979
Average total loans$105,854,5003,385
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4078%3,781
Cost of funding earning assets1.1771%639
Net interest margin3.2307%5,488
Noninterest income to average assets0.7668%2,409
Noninterest expense to average assets3.9965%981
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets-0.2778%6,422
Return on assets (ROA)0.2068%5,947
Pretax return on assets0.2068%5,981
Return on Equity (ROE)5.0381%4,661
Retained earnings to average equity (ytd only)5.0381%2,678
Net charge-offs to loans0.9781%1,114
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)-0.5572%5,684
Efficiency ratio107.4707%382
Assets per employee ($millions)3.4695%5,074
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans4.2328%242
Loan loss allowance to noncurrent loans42.9346%5,493
Noncurrent assets plus other real estate owned to assets5.8294%606
Noncurrent loans to loans9.8586%242
Net loans and leases to total assets46.0055%5,613
Net loans and leases to deposits56.6029%5,377
Net loans and leases to core deposits59.3820%5,416
Total domestic deposits to total assets81.2777%5,317
Equity capital to assets4.7454%6,964
Core capital (leverage) ratio4.1642%6,982
Tier 1 risk-based capital ratio8.3926%6,894
Total risk-based capital ratio9.6842%6,895
Memoranda:
Average total assets$229,651,8002,729
Average earning assets$209,832,8002,736
Average equity$9,428,2005,124
Average total loans$117,059,8003,144
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5234%3,544
Cost of funding earning assets1.2174%643
Net interest margin3.3059%5,372
Noninterest income to average assets0.6564%2,960
Noninterest expense to average assets3.9708%971
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets-0.3138%6,584
Return on assets (ROA)0.2413%5,995
Pretax return on assets0.2413%6,064
Return on Equity (ROE)6.1048%4,284
Retained earnings to average equity (ytd only)6.1048%2,630
Net charge-offs to loans0.7343%1,508
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)-0.8270%5,555
Efficiency ratio108.5813%331
Assets per employee ($millions)3.2439%5,546
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans4.6648%188
Loan loss allowance to noncurrent loans31.4350%6,069
Noncurrent assets plus other real estate owned to assets9.1449%296
Noncurrent loans to loans14.8394%102
Net loans and leases to total assets45.6630%5,801
Net loans and leases to deposits57.8163%5,445
Net loans and leases to core deposits61.1568%5,442
Total domestic deposits to total assets78.9795%5,875
Equity capital to assets4.5503%7,074
Core capital (leverage) ratio4.0583%7,093
Tier 1 risk-based capital ratio8.4342%6,973
Total risk-based capital ratio9.7319%6,974
Memoranda:
Average total assets$231,553,5002,735
Average earning assets$210,162,7502,764
Average equity$9,151,0005,231
Average total loans$119,657,7503,119
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5674%3,494
Cost of funding earning assets1.2413%679
Net interest margin3.3261%5,368
Noninterest income to average assets0.6526%2,943
Noninterest expense to average assets3.9858%957
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets-0.3323%6,639
Return on assets (ROA)0.3767%5,545
Pretax return on assets0.3767%5,759
Return on Equity (ROE)10.0155%2,341
Retained earnings to average equity (ytd only)10.0155%968
Net charge-offs to loans0.7802%1,408
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)-0.8054%5,279
Efficiency ratio109.0952%341
Assets per employee ($millions)3.4542%5,085
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans4.3919%253
Loan loss allowance to noncurrent loans30.2873%6,145
Noncurrent assets plus other real estate owned to assets9.2744%312
Noncurrent loans to loans14.5008%108
Net loans and leases to total assets48.6964%5,537
Net loans and leases to deposits60.6221%5,184
Net loans and leases to core deposits63.8442%5,226
Total domestic deposits to total assets80.3277%5,655
Equity capital to assets4.3503%7,124
Core capital (leverage) ratio4.0333%7,130
Tier 1 risk-based capital ratio7.8851%7,047
Total risk-based capital ratio9.1799%7,045
Memoranda:
Average total assets$234,128,3302,717
Average earning assets$211,235,6702,747
Average equity$8,806,3305,316
Average total loans$123,807,6703,055
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8719%2,347
Cost of funding earning assets1.2634%733
Net interest margin3.6085%4,226
Noninterest income to average assets0.6744%2,785
Noninterest expense to average assets4.1686%768
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets-0.2531%6,678
Return on assets (ROA)0.2055%6,116
Pretax return on assets0.2055%6,191
Return on Equity (ROE)5.9201%4,338
Retained earnings to average equity (ytd only)5.9201%3,008
Net charge-offs to loans0.8488%1,210
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)-0.5539%4,511
Efficiency ratio106.4642%399
Assets per employee ($millions)3.4574%5,216
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.4636%253
Loan loss allowance to noncurrent loans29.7139%6,192
Noncurrent assets plus other real estate owned to assets10.0598%294
Noncurrent loans to loans15.0219%120
Net loans and leases to total assets49.0789%5,421
Net loans and leases to deposits60.5733%5,085
Net loans and leases to core deposits63.6026%5,166
Total domestic deposits to total assets81.0241%5,599
Equity capital to assets3.4419%7,215
Core capital (leverage) ratio3.6301%7,203
Tier 1 risk-based capital ratio6.9350%7,138
Total risk-based capital ratio8.2296%7,138
Memoranda:
Average total assets$235,476,5002,716
Average earning assets$211,500,0002,752
Average equity$8,175,5005,539
Average total loans$126,773,5003,006
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6179%4,599
Cost of funding earning assets1.4854%756
Net interest margin3.1326%6,267
Noninterest income to average assets0.6775%2,740
Noninterest expense to average assets4.1177%890
Loan and lease loss provision to assets0.7409%1,367
Net operating income to assets-1.0939%6,782
Return on assets (ROA)-0.8184%6,695
Pretax return on assets-0.9803%6,724
Return on Equity (ROE)-30.6774%7,099
Retained earnings to average equity (ytd only)-30.6774%7,092
Net charge-offs to loans2.5041%466
Credit loss provision to net charge-offs47.3402%5,485
Earnings coverage of net charge-offs (x)-0.3651%6,031
Efficiency ratio116.1103%342
Assets per employee ($millions)3.3693%5,324
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.2630%305
Loan loss allowance to noncurrent loans27.4757%6,327
Noncurrent assets plus other real estate owned to assets11.5633%237
Noncurrent loans to loans15.5156%120
Net loans and leases to total assets53.8944%5,053
Net loans and leases to deposits66.1525%4,707
Net loans and leases to core deposits69.5940%4,836
Total domestic deposits to total assets81.4700%5,303
Equity capital to assets3.5018%7,251
Core capital (leverage) ratio3.5817%7,234
Tier 1 risk-based capital ratio6.5395%7,182
Total risk-based capital ratio7.8340%7,180
Memoranda:
Average total assets$261,846,8002,413
Average earning assets$239,803,4002,407
Average equity$6,985,6005,867
Average total loans$163,648,6002,444
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7004%4,467
Cost of funding earning assets1.5319%769
Net interest margin3.1685%6,239
Noninterest income to average assets0.4899%3,949
Noninterest expense to average assets3.8566%1,217
Loan and lease loss provision to assets0.9639%907
Net operating income to assets-1.4295%7,024
Return on assets (ROA)-1.0037%6,915
Pretax return on assets-1.0037%6,878
Return on Equity (ROE)-40.3955%7,254
Retained earnings to average equity (ytd only)-40.3955%7,248
Net charge-offs to loans3.0125%315
Credit loss provision to net charge-offs50.1033%5,034
Earnings coverage of net charge-offs (x)-0.2420%5,740
Efficiency ratio113.7289%377
Assets per employee ($millions)3.4475%5,124
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans4.0069%389
Loan loss allowance to noncurrent loans24.0657%6,533
Noncurrent assets plus other real estate owned to assets13.5273%174
Noncurrent loans to loans16.6496%97
Net loans and leases to total assets57.6095%4,563
Net loans and leases to deposits71.0134%4,138
Net loans and leases to core deposits75.8292%4,210
Total domestic deposits to total assets81.1249%5,393
Equity capital to assets2.7303%7,371
Core capital (leverage) ratio2.7185%7,363
Tier 1 risk-based capital ratio4.7814%7,333
Total risk-based capital ratio6.0565%7,333
Memoranda:
Average total assets$268,346,0002,365
Average earning assets$245,705,0002,348
Average equity$6,667,2506,007
Average total loans$171,368,2502,374
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7654%4,230
Cost of funding earning assets1.5916%719
Net interest margin3.1738%6,232
Noninterest income to average assets0.4229%4,489
Noninterest expense to average assets3.4923%2,001
Loan and lease loss provision to assets1.4048%517
Net operating income to assets-1.5662%7,113
Return on assets (ROA)-1.4243%7,086
Pretax return on assets-1.4243%7,039
Return on Equity (ROE)-59.0513%7,372
Retained earnings to average equity (ytd only)-59.0513%7,369
Net charge-offs to loans2.8754%373
Credit loss provision to net charge-offs75.1647%3,912
Earnings coverage of net charge-offs (x)-0.0864%5,335
Efficiency ratio104.8478%591
Assets per employee ($millions)3.8282%4,129
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.3765%311
Loan loss allowance to noncurrent loans22.6000%6,627
Noncurrent assets plus other real estate owned to assets15.6661%130
Noncurrent loans to loans19.3648%69
Net loans and leases to total assets61.1470%4,064
Net loans and leases to deposits73.0132%3,953
Net loans and leases to core deposits77.5272%4,110
Total domestic deposits to total assets83.7479%4,450
Equity capital to assets2.4960%7,451
Core capital (leverage) ratio2.5285%7,444
Tier 1 risk-based capital ratio4.4811%7,419
Total risk-based capital ratio5.7789%7,417
Memoranda:
Average total assets$276,204,0002,319
Average earning assets$253,075,0002,303
Average equity$6,662,0006,029
Average total loans$179,525,0002,292
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9823%3,180
Cost of funding earning assets1.5805%873
Net interest margin3.4018%5,426
Noninterest income to average assets0.4083%4,643
Noninterest expense to average assets3.4566%2,125
Loan and lease loss provision to assets2.7127%185
Net operating income to assets-2.6400%7,359
Return on assets (ROA)-2.5379%7,346
Pretax return on assets-2.5379%7,331
Return on Equity (ROE)-106.8905%7,499
Retained earnings to average equity (ytd only)-106.8905%7,494
Net charge-offs to loans2.1935%557
Credit loss provision to net charge-offs188.8997%1,559
Earnings coverage of net charge-offs (x)0.0506%4,550
Efficiency ratio97.9398%837
Assets per employee ($millions)4.1670%3,505
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans4.8893%215
Loan loss allowance to noncurrent loans24.5156%6,571
Noncurrent assets plus other real estate owned to assets16.4403%118
Noncurrent loans to loans19.9436%70
Net loans and leases to total assets61.7555%3,908
Net loans and leases to deposits73.2012%3,892
Net loans and leases to core deposits77.9472%4,026
Total domestic deposits to total assets84.3640%4,340
Equity capital to assets2.1336%7,526
Core capital (leverage) ratio2.4122%7,508
Tier 1 risk-based capital ratio4.1423%7,487
Total risk-based capital ratio5.4489%7,487
Memoranda:
Average total assets$286,061,0002,261
Average earning assets$262,449,0002,249
Average equity$6,792,0005,989
Average total loans$187,280,5002,218
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7627%5,570
Cost of funding earning assets2.2591%245
Net interest margin2.5035%7,268
Noninterest income to average assets0.6003%3,476
Noninterest expense to average assets3.6161%1,888
Loan and lease loss provision to assets1.9920%663
Net operating income to assets-2.6922%7,226
Return on assets (ROA)-2.1594%7,114
Pretax return on assets-2.1632%7,079
Return on Equity (ROE)-58.5380%7,476
Retained earnings to average equity (ytd only)-58.5380%7,473
Net charge-offs to loans2.7544%646
Credit loss provision to net charge-offs101.8969%4,447
Earnings coverage of net charge-offs (x)-0.3601%6,393
Efficiency ratio124.1728%365
Assets per employee ($millions)4.5015%2,866
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.9890%409
Loan loss allowance to noncurrent loans20.7854%6,780
Noncurrent assets plus other real estate owned to assets15.2839%156
Noncurrent loans to loans19.1916%79
Net loans and leases to total assets63.3359%4,000
Net loans and leases to deposits75.8183%3,872
Net loans and leases to core deposits80.3358%4,165
Total domestic deposits to total assets83.5364%4,587
Equity capital to assets2.5971%7,582
Core capital (leverage) ratio2.9082%7,564
Tier 1 risk-based capital ratio4.7661%7,533
Total risk-based capital ratio6.0581%7,536
Memoranda:
Average total assets$315,507,6002,061
Average earning assets$291,350,2002,036
Average equity$11,638,6004,708
Average total loans$223,931,0001,943
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9430%5,066
Cost of funding earning assets2.3325%244
Net interest margin2.6105%7,308
Noninterest income to average assets0.6377%3,203
Noninterest expense to average assets3.5604%1,881
Loan and lease loss provision to assets2.4887%424
Net operating income to assets-3.0018%7,449
Return on assets (ROA)-2.3062%7,321
Pretax return on assets-2.3062%7,274
Return on Equity (ROE)-58.5017%7,599
Retained earnings to average equity (ytd only)-58.5017%7,597
Net charge-offs to loans3.1791%462
Credit loss provision to net charge-offs108.5180%3,924
Earnings coverage of net charge-offs (x)-0.2238%6,189
Efficiency ratio116.8398%425
Assets per employee ($millions)4.2983%3,260
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.7809%441
Loan loss allowance to noncurrent loans22.9108%6,761
Noncurrent assets plus other real estate owned to assets14.2830%177
Noncurrent loans to loans16.5025%128
Net loans and leases to total assets70.1045%2,710
Net loans and leases to deposits83.2198%2,862
Net loans and leases to core deposits87.3132%3,469
Total domestic deposits to total assets84.2402%3,984
Equity capital to assets3.3613%7,676
Core capital (leverage) ratio3.1729%7,666
Tier 1 risk-based capital ratio4.8255%7,648
Total risk-based capital ratio6.1135%7,649
Memoranda:
Average total assets$320,110,2502,064
Average earning assets$295,470,0002,036
Average equity$12,619,2504,520
Average total loans$230,917,0001,915
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0299%4,805
Cost of funding earning assets2.4117%229
Net interest margin2.6182%7,334
Noninterest income to average assets0.6452%3,032
Noninterest expense to average assets3.3840%2,305
Loan and lease loss provision to assets3.0340%318
Net operating income to assets-3.3602%7,561
Return on assets (ROA)-2.7931%7,488
Pretax return on assets-2.7931%7,434
Return on Equity (ROE)-67.8384%7,675
Retained earnings to average equity (ytd only)-67.8384%7,673
Net charge-offs to loans3.4537%432
Credit loss provision to net charge-offs122.1458%3,312
Earnings coverage of net charge-offs (x)-0.1314%5,827
Efficiency ratio110.6701%536
Assets per employee ($millions)4.4906%2,894
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.8263%427
Loan loss allowance to noncurrent loans22.2087%6,836
Noncurrent assets plus other real estate owned to assets14.4216%163
Noncurrent loans to loans17.2287%127
Net loans and leases to total assets69.7881%2,954
Net loans and leases to deposits82.7873%3,118
Net loans and leases to core deposits86.9452%3,707
Total domestic deposits to total assets84.2981%3,963
Equity capital to assets3.6402%7,715
Core capital (leverage) ratio3.2595%7,724
Tier 1 risk-based capital ratio5.0630%7,697
Total risk-based capital ratio6.3526%7,696
Memoranda:
Average total assets$327,952,6702,023
Average earning assets$302,190,0002,014
Average equity$13,502,6704,321
Average total loans$235,860,0001,900
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9780%5,124
Cost of funding earning assets2.4041%302
Net interest margin2.5739%7,412
Noninterest income to average assets0.4795%4,203
Noninterest expense to average assets2.7109%4,851
Loan and lease loss provision to assets3.8575%231
Net operating income to assets-3.7139%7,695
Return on assets (ROA)-3.1014%7,645
Pretax return on assets-3.1014%7,608
Return on Equity (ROE)-71.5180%7,771
Retained earnings to average equity (ytd only)-71.5180%7,764
Net charge-offs to loans3.1669%472
Credit loss provision to net charge-offs170.0680%2,138
Earnings coverage of net charge-offs (x)0.0633%4,980
Efficiency ratio94.9688%1,083
Assets per employee ($millions)4.7715%2,543
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.8430%423
Loan loss allowance to noncurrent loans29.1096%6,459
Noncurrent assets plus other real estate owned to assets11.3717%309
Noncurrent loans to loans13.2020%238
Net loans and leases to total assets68.7025%3,232
Net loans and leases to deposits81.4025%3,383
Net loans and leases to core deposits91.6098%3,155
Total domestic deposits to total assets84.3985%3,953
Equity capital to assets3.9462%7,797
Core capital (leverage) ratio3.6582%7,805
Tier 1 risk-based capital ratio5.6517%7,766
Total risk-based capital ratio6.9396%7,767
Memoranda:
Average total assets$337,005,0002,029
Average earning assets$310,966,5002,006
Average equity$14,614,5004,093
Average total loans$241,370,0001,913
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5680%3,764
Cost of funding earning assets2.6519%667
Net interest margin2.9161%6,830
Noninterest income to average assets0.6722%3,140
Noninterest expense to average assets3.1010%3,740
Loan and lease loss provision to assets5.3607%160
Net operating income to assets-4.7442%7,706
Return on assets (ROA)-4.5130%7,679
Pretax return on assets-4.8848%7,687
Return on Equity (ROE)-57.4133%7,743
Retained earnings to average equity (ytd only)-60.5849%7,753
Net charge-offs to loans5.0251%258
Credit loss provision to net charge-offs140.0936%3,477
Earnings coverage of net charge-offs (x)0.0587%6,111
Efficiency ratio92.3018%1,541
Assets per employee ($millions)5.0703%2,124
Cash dividends to net income (ytd only)*-5.5241%7,532
Condition Ratios (%)
Loss allowance to loans3.1114%708
Loan loss allowance to noncurrent loans25.2136%6,783
Noncurrent assets plus other real estate owned to assets10.0450%367
Noncurrent loans to loans12.3401%267
Net loans and leases to total assets69.5544%3,347
Net loans and leases to deposits82.9358%3,464
Net loans and leases to core deposits99.5293%4,048
Total domestic deposits to total assets83.8653%4,094
Equity capital to assets4.7094%7,807
Core capital (leverage) ratio4.4930%7,810
Tier 1 risk-based capital ratio6.2426%7,804
Total risk-based capital ratio7.5177%7,806
Memoranda:
Average total assets$312,871,6002,147
Average earning assets$284,697,6002,162
Average equity$24,593,6002,653
Average total loans$238,242,4001,968
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7434%3,120
Cost of funding earning assets2.6883%812
Net interest margin3.0551%6,445
Noninterest income to average assets0.7045%2,989
Noninterest expense to average assets2.8083%4,862
Loan and lease loss provision to assets4.8177%187
Net operating income to assets-2.6606%7,502
Return on assets (ROA)-2.4484%7,450
Pretax return on assets-3.8220%7,663
Return on Equity (ROE)-27.9774%7,563
Retained earnings to average equity (ytd only)-31.8750%7,628
Net charge-offs to loans2.7709%639
Credit loss provision to net charge-offs224.6992%1,948
Earnings coverage of net charge-offs (x)0.3098%5,712
Efficiency ratio80.8714%2,726
Assets per employee ($millions)4.9938%2,152
Cash dividends to net income (ytd only)*-13.9310%7,795
Condition Ratios (%)
Loss allowance to loans3.4580%436
Loan loss allowance to noncurrent loans25.7461%6,738
Noncurrent assets plus other real estate owned to assets11.4321%258
Noncurrent loans to loans13.4313%204
Net loans and leases to total assets73.0415%2,780
Net loans and leases to deposits89.6699%2,635
Net loans and leases to core deposits109.9605%3,242
Total domestic deposits to total assets81.4559%4,894
Equity capital to assets7.2809%7,437
Core capital (leverage) ratio7.0612%7,391
Tier 1 risk-based capital ratio8.7478%7,702
Total risk-based capital ratio10.0227%7,725
Memoranda:
Average total assets$304,894,7502,200
Average earning assets$276,253,0002,222
Average equity$26,682,7502,492
Average total loans$235,925,5002,012
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6878%3,614
Cost of funding earning assets2.6723%1,104
Net interest margin3.0154%6,503
Noninterest income to average assets0.7563%2,669
Noninterest expense to average assets3.0404%3,916
Loan and lease loss provision to assets4.8000%225
Net operating income to assets-2.8000%7,631
Return on assets (ROA)-2.5584%7,565
Pretax return on assets-3.9641%7,741
Return on Equity (ROE)-27.4194%7,673
Retained earnings to average equity (ytd only)-33.1517%7,733
Net charge-offs to loans1.5347%1,237
Credit loss provision to net charge-offs400.6869%1,151
Earnings coverage of net charge-offs (x)0.3875%5,301
Efficiency ratio86.7541%2,150
Assets per employee ($millions)4.9635%2,123
Cash dividends to net income (ytd only)*-20.9059%7,939
Condition Ratios (%)
Loss allowance to loans3.2945%450
Loan loss allowance to noncurrent loans28.0495%6,629
Noncurrent assets plus other real estate owned to assets10.2485%272
Noncurrent loans to loans11.7453%240
Net loans and leases to total assets75.3464%2,357
Net loans and leases to deposits95.4487%1,882
Net loans and leases to core deposits121.5234%2,238
Total domestic deposits to total assets78.9392%5,829
Equity capital to assets8.1809%6,521
Core capital (leverage) ratio8.6869%5,115
Tier 1 risk-based capital ratio10.3838%6,496
Total risk-based capital ratio11.6584%6,412
Memoranda:
Average total assets$291,668,3302,306
Average earning assets$265,834,3302,303
Average equity$27,214,3302,456
Average total loans$227,668,3302,099
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3372%1,199
Cost of funding earning assets2.7729%1,049
Net interest margin3.5643%4,469
Noninterest income to average assets0.8024%2,307
Noninterest expense to average assets3.2181%2,903
Loan and lease loss provision to assets0.5899%2,135
Net operating income to assets0.1708%5,752
Return on assets (ROA)0.6287%4,072
Pretax return on assets0.8670%3,838
Return on Equity (ROE)6.2959%3,905
Retained earnings to average equity (ytd only)0.8337%5,328
Net charge-offs to loans-0.0514%7,702
Credit loss provision to net charge-offs-1,467.8571%6,575
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5035%2,909
Assets per employee ($millions)4.3558%2,966
Cash dividends to net income (ytd only)*86.7580%936
Condition Ratios (%)
Loss allowance to loans1.4977%3,008
Loan loss allowance to noncurrent loans65.4389%4,291
Noncurrent assets plus other real estate owned to assets2.7176%2,091
Noncurrent loans to loans2.2886%2,871
Net loans and leases to total assets78.8007%1,626
Net loans and leases to deposits105.7258%890
Net loans and leases to core deposits139.5090%1,126
Total domestic deposits to total assets74.5330%6,797
Equity capital to assets11.1119%2,880
Core capital (leverage) ratio10.9718%2,520
Tier 1 risk-based capital ratio13.6472%3,768
Total risk-based capital ratio14.8960%3,693
Memoranda:
Average total assets$278,669,5002,393
Average earning assets$253,741,5002,419
Average equity$27,827,5002,429
Average total loans$217,750,5002,195
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7122%1,986
Cost of funding earning assets3.3035%918
Net interest margin3.4087%5,626
Noninterest income to average assets0.7186%3,001
Noninterest expense to average assets2.6389%5,495
Loan and lease loss provision to assets0.9600%1,534
Net operating income to assets0.2119%5,811
Return on assets (ROA)0.2702%5,459
Pretax return on assets0.3318%5,437
Return on Equity (ROE)3.1517%5,174
Retained earnings to average equity (ytd only)3.1517%3,192
Net charge-offs to loans0.9450%1,306
Credit loss provision to net charge-offs129.4388%4,117
Earnings coverage of net charge-offs (x)1.6449%5,264
Efficiency ratio68.3860%4,656
Assets per employee ($millions)4.9744%1,966
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.3653%3,392
Loan loss allowance to noncurrent loans99.8279%3,462
Noncurrent assets plus other real estate owned to assets2.7746%1,699
Noncurrent loans to loans1.3676%3,785
Net loans and leases to total assets75.2371%2,824
Net loans and leases to deposits98.7184%2,023
Net loans and leases to core deposits129.6087%1,877
Total domestic deposits to total assets76.2139%6,190
Equity capital to assets8.8589%5,552
Core capital (leverage) ratio8.7815%5,066
Tier 1 risk-based capital ratio11.3263%5,411
Total risk-based capital ratio12.5774%5,313
Memoranda:
Average total assets$264,281,4002,422
Average earning assets$243,467,0002,421
Average equity$22,654,4002,887
Average total loans$207,404,6002,227