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Citizens State Bank of Loyal, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3578%3,320
Cost of funding earning assets0.3567%2,473
Net interest margin3.0010%3,253
Noninterest income to average assets0.6445%2,050
Noninterest expense to average assets2.0531%3,553
Loan and lease loss provision to assets0.0449%2,172
Net operating income to assets1.1909%2,181
Return on assets (ROA)1.2501%2,057
Pretax return on assets1.4190%2,233
Return on Equity (ROE)11.2453%2,290
Retained earnings to average equity (ytd only)11.2453%1,335
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5145%3,086
Assets per employee ($millions)5.9693%2,629
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5600%1,396
Loan loss allowance to noncurrent loans358.4211%1,524
Noncurrent assets plus other real estate owned to assets0.2122%3,098
Noncurrent loans to loans0.4352%2,552
Net loans and leases to total assets47.9942%3,822
Net loans and leases to deposits56.8818%3,728
Net loans and leases to core deposits57.3073%3,887
Total domestic deposits to total assets84.3753%3,318
Equity capital to assets11.0874%1,799
Core capital (leverage) ratio11.0359%1,682
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6725%972
Memoranda:
Average total assets$267,503,0002,615
Average earning assets$250,047,5002,611
Average equity$29,737,0002,564
Average total loans$130,377,5002,897
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6772%3,637
Cost of funding earning assets0.5110%2,879
Net interest margin3.1662%3,447
Noninterest income to average assets0.6985%1,866
Noninterest expense to average assets2.3352%3,308
Loan and lease loss provision to assets0.0514%3,734
Net operating income to assets1.0695%2,029
Return on assets (ROA)1.0881%2,093
Pretax return on assets1.2732%2,071
Return on Equity (ROE)8.7354%2,505
Retained earnings to average equity (ytd only)4.6068%2,478
Net charge-offs to loans-0.0105%4,267
Credit loss provision to net charge-offs-857.1429%4,023
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.1890%2,792
Assets per employee ($millions)6.0542%2,296
Cash dividends to net income (ytd only)*47.2627%1,987
Condition Ratios (%)
Loss allowance to loans1.5510%1,424
Loan loss allowance to noncurrent loans351.9231%1,526
Noncurrent assets plus other real estate owned to assets0.2147%3,221
Noncurrent loans to loans0.4407%2,653
Net loans and leases to total assets47.9669%3,977
Net loans and leases to deposits56.9016%3,951
Net loans and leases to core deposits57.3294%4,081
Total domestic deposits to total assets84.2980%3,015
Equity capital to assets11.1459%2,136
Core capital (leverage) ratio11.0677%1,748
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2310%1,013
Memoranda:
Average total assets$233,342,6002,695
Average earning assets$216,633,4002,696
Average equity$29,065,8002,529
Average total loans$132,986,4002,829
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9184%3,194
Cost of funding earning assets0.5519%2,913
Net interest margin3.3665%3,004
Noninterest income to average assets0.6948%1,817
Noninterest expense to average assets2.4109%3,098
Loan and lease loss provision to assets0.0533%3,681
Net operating income to assets1.1439%1,842
Return on assets (ROA)1.1693%1,869
Pretax return on assets1.3861%1,782
Return on Equity (ROE)9.1040%2,353
Retained earnings to average equity (ytd only)7.2593%1,598
Net charge-offs to loans-0.0130%4,292
Credit loss provision to net charge-offs-692.3077%3,844
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1106%2,898
Assets per employee ($millions)5.5463%2,665
Cash dividends to net income (ytd only)*20.2634%2,761
Condition Ratios (%)
Loss allowance to loans1.4138%1,680
Loan loss allowance to noncurrent loans330.3333%1,520
Noncurrent assets plus other real estate owned to assets0.2404%3,237
Noncurrent loans to loans0.4280%2,773
Net loans and leases to total assets55.3760%3,676
Net loans and leases to deposits66.6620%3,564
Net loans and leases to core deposits67.0429%3,821
Total domestic deposits to total assets83.0698%3,131
Equity capital to assets11.9972%1,677
Core capital (leverage) ratio11.9188%1,374
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4648%977
Memoranda:
Average total assets$225,081,7502,735
Average earning assets$208,957,0002,737
Average equity$28,909,5002,537
Average total loans$133,785,5002,829
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2697%2,546
Cost of funding earning assets0.6184%2,876
Net interest margin3.6514%2,312
Noninterest income to average assets0.6934%1,761
Noninterest expense to average assets2.5715%2,762
Loan and lease loss provision to assets0.0553%3,609
Net operating income to assets1.2071%1,620
Return on assets (ROA)1.2466%1,622
Pretax return on assets1.4891%1,481
Return on Equity (ROE)9.4661%2,169
Retained earnings to average equity (ytd only)6.6655%1,791
Net charge-offs to loans-0.0197%4,400
Credit loss provision to net charge-offs-461.5385%3,601
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1996%2,927
Assets per employee ($millions)5.1148%3,042
Cash dividends to net income (ytd only)*29.5858%2,384
Condition Ratios (%)
Loss allowance to loans1.4592%1,382
Loan loss allowance to noncurrent loans317.3984%1,481
Noncurrent assets plus other real estate owned to assets0.2614%3,264
Noncurrent loans to loans0.4597%2,765
Net loans and leases to total assets56.0272%3,683
Net loans and leases to deposits68.1850%3,546
Net loans and leases to core deposits68.6012%3,824
Total domestic deposits to total assets82.1695%3,326
Equity capital to assets12.4710%1,388
Core capital (leverage) ratio12.6199%1,143
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9913%907
Memoranda:
Average total assets$216,914,6672,780
Average earning assets$200,528,0002,777
Average equity$28,565,0002,542
Average total loans$131,650,3332,845
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2409%3,092
Cost of funding earning assets0.7795%2,501
Net interest margin3.4615%3,111
Noninterest income to average assets0.6239%1,932
Noninterest expense to average assets2.6149%2,937
Loan and lease loss provision to assets0.0578%3,038
Net operating income to assets0.9778%2,256
Return on assets (ROA)1.0225%2,205
Pretax return on assets1.1842%2,252
Return on Equity (ROE)7.5382%2,720
Retained earnings to average equity (ytd only)7.5382%1,366
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7247%2,553
Assets per employee ($millions)4.4163%3,386
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4826%1,397
Loan loss allowance to noncurrent loans271.1648%1,661
Noncurrent assets plus other real estate owned to assets0.3392%3,088
Noncurrent loans to loans0.5468%2,628
Net loans and leases to total assets61.1116%3,387
Net loans and leases to deposits74.1635%3,254
Net loans and leases to core deposits74.6739%3,592
Total domestic deposits to total assets82.4013%3,296
Equity capital to assets13.7118%1,149
Core capital (leverage) ratio13.5376%1,029
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4896%1,070
Memoranda:
Average total assets$207,731,0002,812
Average earning assets$190,902,0002,824
Average equity$28,176,5002,564
Average total loans$130,588,5002,826
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3506%3,390
Cost of funding earning assets1.0080%1,691
Net interest margin3.3426%3,889
Noninterest income to average assets0.7663%1,560
Noninterest expense to average assets2.8267%2,511
Loan and lease loss provision to assets0.0483%3,060
Net operating income to assets0.8437%3,408
Return on assets (ROA)1.0582%2,719
Pretax return on assets1.2242%2,750
Return on Equity (ROE)8.0977%3,126
Retained earnings to average equity (ytd only)5.1437%2,344
Net charge-offs to loans0.0170%3,106
Credit loss provision to net charge-offs454.5455%638
Earnings coverage of net charge-offs (x)96.3636%700
Efficiency ratio73.4269%1,667
Assets per employee ($millions)4.5195%3,192
Cash dividends to net income (ytd only)*36.4797%2,778
Condition Ratios (%)
Loss allowance to loans1.4190%1,457
Loan loss allowance to noncurrent loans275.5132%1,636
Noncurrent assets plus other real estate owned to assets0.3280%3,106
Noncurrent loans to loans0.5150%2,640
Net loans and leases to total assets62.7920%3,330
Net loans and leases to deposits75.8987%3,194
Net loans and leases to core deposits76.5957%3,539
Total domestic deposits to total assets82.7313%3,296
Equity capital to assets13.4163%1,321
Core capital (leverage) ratio13.3035%1,114
Tier 1 risk-based capital ratio16.7255%2,147
Total risk-based capital ratio17.8794%2,112
Memoranda:
Average total assets$207,235,6002,783
Average earning assets$191,170,6002,786
Average equity$27,081,6002,557
Average total loans$129,575,0002,823
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3557%3,495
Cost of funding earning assets1.0514%1,532
Net interest margin3.3043%4,085
Noninterest income to average assets0.7933%1,438
Noninterest expense to average assets2.8698%2,344
Loan and lease loss provision to assets0.0451%3,003
Net operating income to assets0.8086%3,653
Return on assets (ROA)1.0804%2,743
Pretax return on assets1.2543%2,807
Return on Equity (ROE)8.3235%3,187
Retained earnings to average equity (ytd only)6.3394%2,203
Net charge-offs to loans0.0248%2,605
Credit loss provision to net charge-offs291.6667%966
Earnings coverage of net charge-offs (x)63.6234%1,025
Efficiency ratio74.4820%1,498
Assets per employee ($millions)4.3231%3,449
Cash dividends to net income (ytd only)*23.8379%2,878
Condition Ratios (%)
Loss allowance to loans1.4043%1,558
Loan loss allowance to noncurrent loans227.7435%1,891
Noncurrent assets plus other real estate owned to assets0.4149%2,853
Noncurrent loans to loans0.6166%2,431
Net loans and leases to total assets62.4902%3,443
Net loans and leases to deposits75.5839%3,337
Net loans and leases to core deposits77.7040%3,577
Total domestic deposits to total assets82.6766%3,256
Equity capital to assets13.3834%1,413
Core capital (leverage) ratio13.2031%1,255
Tier 1 risk-based capital ratio16.7185%2,179
Total risk-based capital ratio17.8571%2,157
Memoranda:
Average total assets$207,070,5002,803
Average earning assets$191,744,5002,800
Average equity$26,879,0002,582
Average total loans$128,863,5002,870
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3454%3,503
Cost of funding earning assets1.0702%1,418
Net interest margin3.2752%4,189
Noninterest income to average assets0.8883%1,096
Noninterest expense to average assets3.0378%1,894
Loan and lease loss provision to assets0.0387%3,042
Net operating income to assets0.7246%3,919
Return on assets (ROA)1.1280%2,487
Pretax return on assets1.3213%2,473
Return on Equity (ROE)8.7806%2,943
Retained earnings to average equity (ytd only)5.7710%2,388
Net charge-offs to loans0.0172%2,540
Credit loss provision to net charge-offs363.6364%785
Earnings coverage of net charge-offs (x)83.2727%788
Efficiency ratio77.4329%1,223
Assets per employee ($millions)4.3968%3,291
Cash dividends to net income (ytd only)*34.2759%2,446
Condition Ratios (%)
Loss allowance to loans1.4127%1,563
Loan loss allowance to noncurrent loans600.0000%875
Noncurrent assets plus other real estate owned to assets0.1476%4,024
Noncurrent loans to loans0.2355%3,698
Net loans and leases to total assets61.7994%3,565
Net loans and leases to deposits74.4568%3,481
Net loans and leases to core deposits75.8601%3,743
Total domestic deposits to total assets83.0003%3,207
Equity capital to assets13.1149%1,534
Core capital (leverage) ratio12.8617%1,372
Tier 1 risk-based capital ratio16.6903%2,179
Total risk-based capital ratio17.8381%2,157
Memoranda:
Average total assets$206,923,6702,811
Average earning assets$191,744,6702,810
Average equity$26,581,3302,594
Average total loans$127,977,6702,896
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2975%3,566
Cost of funding earning assets1.0556%1,354
Net interest margin3.2419%4,300
Noninterest income to average assets0.9968%816
Noninterest expense to average assets2.7277%2,818
Loan and lease loss provision to assets0.0193%3,194
Net operating income to assets1.0441%2,682
Return on assets (ROA)1.8314%547
Pretax return on assets2.2003%452
Return on Equity (ROE)14.4067%877
Retained earnings to average equity (ytd only)14.4067%323
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2126%2,612
Assets per employee ($millions)4.2333%3,573
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4177%1,606
Loan loss allowance to noncurrent loans599.6689%898
Noncurrent assets plus other real estate owned to assets0.1456%4,075
Noncurrent loans to loans0.2364%3,727
Net loans and leases to total assets60.7076%3,637
Net loans and leases to deposits74.5757%3,399
Net loans and leases to core deposits75.6582%3,680
Total domestic deposits to total assets81.4040%3,881
Equity capital to assets13.0139%1,445
Core capital (leverage) ratio12.9829%1,282
Tier 1 risk-based capital ratio16.9042%2,136
Total risk-based capital ratio18.0469%2,126
Memoranda:
Average total assets$207,060,0002,837
Average earning assets$191,741,5002,834
Average equity$26,321,0002,615
Average total loans$127,197,0002,933
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1738%3,512
Cost of funding earning assets0.8215%1,435
Net interest margin3.3523%4,121
Noninterest income to average assets0.7040%1,840
Noninterest expense to average assets2.6559%3,166
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.9857%3,076
Return on assets (ROA)0.9857%3,072
Pretax return on assets1.1345%3,159
Return on Equity (ROE)8.0049%3,438
Retained earnings to average equity (ytd only)4.8268%2,875
Net charge-offs to loans0.0049%3,542
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)386.5000%262
Efficiency ratio70.0697%2,174
Assets per employee ($millions)4.1338%3,704
Cash dividends to net income (ytd only)*39.7022%2,535
Condition Ratios (%)
Loss allowance to loans1.4220%1,553
Loan loss allowance to noncurrent loans414.9770%1,266
Noncurrent assets plus other real estate owned to assets0.2100%3,778
Noncurrent loans to loans0.3427%3,322
Net loans and leases to total assets60.4075%3,726
Net loans and leases to deposits74.9727%3,425
Net loans and leases to core deposits76.4111%3,685
Total domestic deposits to total assets80.5727%3,981
Equity capital to assets12.4086%1,629
Core capital (leverage) ratio12.6023%1,409
Tier 1 risk-based capital ratio16.2738%2,320
Total risk-based capital ratio17.4079%2,299
Memoranda:
Average total assets$204,415,6002,817
Average earning assets$188,198,4002,845
Average equity$25,172,0002,637
Average total loans$122,412,0002,969
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1271%3,547
Cost of funding earning assets0.7664%1,498
Net interest margin3.3607%4,135
Noninterest income to average assets0.7581%1,639
Noninterest expense to average assets2.6699%3,068
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0112%3,037
Return on assets (ROA)1.0112%3,046
Pretax return on assets1.1799%3,069
Return on Equity (ROE)8.2276%3,452
Retained earnings to average equity (ytd only)6.0988%2,608
Net charge-offs to loans0.0011%3,462
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)1,808.4737%36
Efficiency ratio69.3510%2,297
Assets per employee ($millions)3.8053%4,165
Cash dividends to net income (ytd only)*25.8732%2,755
Condition Ratios (%)
Loss allowance to loans1.4495%1,526
Loan loss allowance to noncurrent loans142.6540%2,850
Noncurrent assets plus other real estate owned to assets0.6619%2,206
Noncurrent loans to loans1.0161%1,686
Net loans and leases to total assets60.8812%3,755
Net loans and leases to deposits74.6253%3,539
Net loans and leases to core deposits75.5217%3,835
Total domestic deposits to total assets81.5825%3,711
Equity capital to assets12.5737%1,539
Core capital (leverage) ratio12.6939%1,421
Tier 1 risk-based capital ratio16.2396%2,361
Total risk-based capital ratio17.3775%2,342
Memoranda:
Average total assets$203,847,5002,844
Average earning assets$187,536,5002,874
Average equity$25,053,2502,656
Average total loans$121,351,0003,007
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0452%3,622
Cost of funding earning assets0.7148%1,543
Net interest margin3.3304%4,158
Noninterest income to average assets0.8379%1,357
Noninterest expense to average assets2.6348%3,205
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0705%2,712
Return on assets (ROA)1.0705%2,714
Pretax return on assets1.2641%2,651
Return on Equity (ROE)8.7771%3,131
Retained earnings to average equity (ytd only)5.5708%2,784
Net charge-offs to loans0.0017%3,152
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)1,293.0000%58
Efficiency ratio67.5777%2,712
Assets per employee ($millions)3.8569%4,125
Cash dividends to net income (ytd only)*36.5297%2,302
Condition Ratios (%)
Loss allowance to loans1.5094%1,369
Loan loss allowance to noncurrent loans417.0901%1,282
Noncurrent assets plus other real estate owned to assets0.3312%3,437
Noncurrent loans to loans0.3619%3,400
Net loans and leases to total assets57.6493%4,027
Net loans and leases to deposits70.2089%3,836
Net loans and leases to core deposits71.0329%4,081
Total domestic deposits to total assets82.1111%3,680
Equity capital to assets12.2705%1,686
Core capital (leverage) ratio12.3909%1,493
Tier 1 risk-based capital ratio16.0526%2,416
Total risk-based capital ratio17.2088%2,388
Memoranda:
Average total assets$204,569,0002,859
Average earning assets$188,023,6702,877
Average equity$24,951,3302,669
Average total loans$120,270,3303,033
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9852%3,664
Cost of funding earning assets0.6724%1,586
Net interest margin3.3128%4,155
Noninterest income to average assets0.9069%1,132
Noninterest expense to average assets2.6250%3,259
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1063%2,393
Return on assets (ROA)1.1063%2,410
Pretax return on assets1.3154%2,303
Return on Equity (ROE)9.0977%2,867
Retained earnings to average equity (ytd only)9.0977%1,425
Net charge-offs to loans0.0033%2,619
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)673.0000%94
Efficiency ratio66.6171%3,063
Assets per employee ($millions)3.7975%4,293
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5183%1,397
Loan loss allowance to noncurrent loans222.9630%2,062
Noncurrent assets plus other real estate owned to assets0.5585%2,656
Noncurrent loans to loans0.6810%2,509
Net loans and leases to total assets58.2023%3,921
Net loans and leases to deposits71.0688%3,693
Net loans and leases to core deposits71.9161%3,968
Total domestic deposits to total assets81.8957%3,996
Equity capital to assets12.4188%1,534
Core capital (leverage) ratio12.3360%1,461
Tier 1 risk-based capital ratio16.1480%2,409
Total risk-based capital ratio17.3170%2,388
Memoranda:
Average total assets$204,645,0002,892
Average earning assets$187,393,5002,917
Average equity$24,885,5002,695
Average total loans$120,580,0003,059
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1127%3,013
Cost of funding earning assets0.5734%1,794
Net interest margin3.5393%3,381
Noninterest income to average assets0.6774%2,060
Noninterest expense to average assets2.5873%3,485
Loan and lease loss provision to assets0.0392%3,485
Net operating income to assets0.8799%2,816
Return on assets (ROA)0.8799%2,837
Pretax return on assets1.3022%2,338
Return on Equity (ROE)7.3171%3,111
Retained earnings to average equity (ytd only)4.0542%2,747
Net charge-offs to loans0.0379%3,035
Credit loss provision to net charge-offs173.9130%1,557
Earnings coverage of net charge-offs (x)59.4565%963
Efficiency ratio65.2434%3,394
Assets per employee ($millions)4.0004%3,954
Cash dividends to net income (ytd only)*44.5931%2,617
Condition Ratios (%)
Loss allowance to loans1.4786%1,484
Loan loss allowance to noncurrent loans195.1404%2,333
Noncurrent assets plus other real estate owned to assets0.5961%2,569
Noncurrent loans to loans0.7577%2,311
Net loans and leases to total assets57.8806%4,016
Net loans and leases to deposits70.0416%3,873
Net loans and leases to core deposits70.8394%4,120
Total domestic deposits to total assets82.6375%3,678
Equity capital to assets11.9102%1,901
Core capital (leverage) ratio12.1842%1,504
Tier 1 risk-based capital ratio15.3437%2,685
Total risk-based capital ratio16.4756%2,665
Memoranda:
Average total assets$203,879,0002,889
Average earning assets$187,297,8002,890
Average equity$24,518,0002,707
Average total loans$121,229,2003,043
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0682%3,099
Cost of funding earning assets0.5561%1,843
Net interest margin3.5121%3,458
Noninterest income to average assets0.7651%1,715
Noninterest expense to average assets2.6069%3,388
Loan and lease loss provision to assets0.0526%3,046
Net operating income to assets1.0523%2,320
Return on assets (ROA)1.0523%2,356
Pretax return on assets1.3435%2,311
Return on Equity (ROE)8.7293%2,753
Retained earnings to average equity (ytd only)6.5483%1,941
Net charge-offs to loans0.0507%2,415
Credit loss provision to net charge-offs173.9130%1,505
Earnings coverage of net charge-offs (x)46.1753%1,177
Efficiency ratio64.5649%3,440
Assets per employee ($millions)3.7668%4,345
Cash dividends to net income (ytd only)*24.9844%2,945
Condition Ratios (%)
Loss allowance to loans1.5218%1,458
Loan loss allowance to noncurrent loans193.2620%2,295
Noncurrent assets plus other real estate owned to assets0.6711%2,493
Noncurrent loans to loans0.7874%2,392
Net loans and leases to total assets57.4879%4,111
Net loans and leases to deposits70.1508%3,946
Net loans and leases to core deposits70.9682%4,187
Total domestic deposits to total assets81.9491%3,793
Equity capital to assets12.3584%1,740
Core capital (leverage) ratio12.2471%1,542
Tier 1 risk-based capital ratio16.0692%2,475
Total risk-based capital ratio17.2453%2,446
Memoranda:
Average total assets$202,843,0002,925
Average earning assets$187,008,0002,920
Average equity$24,453,5002,735
Average total loans$120,983,5003,066
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0718%2,930
Cost of funding earning assets0.5285%1,936
Net interest margin3.5433%3,244
Noninterest income to average assets0.8241%1,486
Noninterest expense to average assets2.6419%3,301
Loan and lease loss provision to assets0.0493%3,002
Net operating income to assets1.0767%2,095
Return on assets (ROA)1.0767%2,143
Pretax return on assets1.3945%2,045
Return on Equity (ROE)9.0071%2,502
Retained earnings to average equity (ytd only)5.7048%2,289
Net charge-offs to loans0.0756%1,863
Credit loss provision to net charge-offs108.6957%1,906
Earnings coverage of net charge-offs (x)31.8043%1,424
Efficiency ratio64.1304%3,646
Assets per employee ($millions)4.0710%3,844
Cash dividends to net income (ytd only)*36.6636%2,490
Condition Ratios (%)
Loss allowance to loans1.4611%1,720
Loan loss allowance to noncurrent loans179.3138%2,443
Noncurrent assets plus other real estate owned to assets0.6981%2,467
Noncurrent loans to loans0.8148%2,369
Net loans and leases to total assets58.8770%3,931
Net loans and leases to deposits73.9270%3,554
Net loans and leases to core deposits74.8102%3,876
Total domestic deposits to total assets79.6421%4,493
Equity capital to assets12.1175%1,854
Core capital (leverage) ratio12.2042%1,531
Tier 1 risk-based capital ratio16.2407%2,415
Total risk-based capital ratio17.4297%2,377
Memoranda:
Average total assets$202,654,6702,936
Average earning assets$186,550,0002,944
Average equity$24,225,3302,756
Average total loans$121,730,6703,066
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9522%3,197
Cost of funding earning assets0.5129%1,982
Net interest margin3.4393%3,488
Noninterest income to average assets0.8842%1,292
Noninterest expense to average assets2.5222%3,737
Loan and lease loss provision to assets0.0593%2,621
Net operating income to assets1.1236%1,781
Return on assets (ROA)1.1236%1,817
Pretax return on assets1.4599%1,663
Return on Equity (ROE)9.4645%2,198
Retained earnings to average equity (ytd only)9.4645%931
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8698%4,168
Assets per employee ($millions)4.0007%4,009
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.4900%1,728
Loan loss allowance to noncurrent loans121.4960%3,249
Noncurrent assets plus other real estate owned to assets0.8948%2,074
Noncurrent loans to loans1.2264%1,653
Net loans and leases to total assets59.5895%3,826
Net loans and leases to deposits74.9659%3,309
Net loans and leases to core deposits76.1186%3,642
Total domestic deposits to total assets79.4888%4,713
Equity capital to assets12.1932%1,714
Core capital (leverage) ratio12.0220%1,615
Tier 1 risk-based capital ratio16.2344%2,463
Total risk-based capital ratio17.4538%2,414
Memoranda:
Average total assets$202,208,0002,969
Average earning assets$185,619,5002,987
Average equity$24,005,5002,792
Average total loans$121,786,0003,087
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1156%2,787
Cost of funding earning assets0.4775%2,278
Net interest margin3.6381%2,932
Noninterest income to average assets0.7415%1,989
Noninterest expense to average assets2.5872%3,716
Loan and lease loss provision to assets0.0600%3,181
Net operating income to assets1.1027%1,896
Return on assets (ROA)1.1027%1,982
Pretax return on assets1.4290%1,822
Return on Equity (ROE)9.3726%2,241
Retained earnings to average equity (ytd only)5.9752%1,717
Net charge-offs to loans0.0145%3,807
Credit loss provision to net charge-offs666.6667%518
Earnings coverage of net charge-offs (x)165.5556%392
Efficiency ratio62.9198%4,120
Assets per employee ($millions)4.0876%3,810
Cash dividends to net income (ytd only)*36.2483%3,050
Condition Ratios (%)
Loss allowance to loans1.4465%1,886
Loan loss allowance to noncurrent loans110.8818%3,411
Noncurrent assets plus other real estate owned to assets0.9453%2,012
Noncurrent loans to loans1.3046%1,573
Net loans and leases to total assets59.1034%3,950
Net loans and leases to deposits73.5752%3,557
Net loans and leases to core deposits74.8996%3,846
Total domestic deposits to total assets80.3307%4,499
Equity capital to assets11.5570%2,116
Core capital (leverage) ratio11.8036%1,723
Tier 1 risk-based capital ratio16.2429%2,454
Total risk-based capital ratio17.4716%2,401
Memoranda:
Average total assets$200,139,2002,955
Average earning assets$183,449,0002,981
Average equity$23,547,4002,843
Average total loans$123,915,2003,014
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1267%2,776
Cost of funding earning assets0.4785%2,282
Net interest margin3.6482%2,899
Noninterest income to average assets0.7769%1,860
Noninterest expense to average assets2.6039%3,646
Loan and lease loss provision to assets0.0603%3,047
Net operating income to assets1.1231%1,902
Return on assets (ROA)1.1231%2,015
Pretax return on assets1.4627%1,844
Return on Equity (ROE)9.5028%2,270
Retained earnings to average equity (ytd only)7.2362%1,509
Net charge-offs to loans0.0193%3,318
Credit loss provision to net charge-offs500.0000%698
Earnings coverage of net charge-offs (x)126.3300%550
Efficiency ratio62.5446%4,132
Assets per employee ($millions)3.7987%4,303
Cash dividends to net income (ytd only)*23.8522%3,073
Condition Ratios (%)
Loss allowance to loans1.3936%2,229
Loan loss allowance to noncurrent loans72.6250%4,210
Noncurrent assets plus other real estate owned to assets1.2507%1,570
Noncurrent loans to loans1.9189%1,038
Net loans and leases to total assets61.2570%3,711
Net loans and leases to deposits77.0528%3,283
Net loans and leases to core deposits78.9075%3,564
Total domestic deposits to total assets79.5000%4,620
Equity capital to assets12.0219%2,103
Core capital (leverage) ratio11.7814%1,822
Tier 1 risk-based capital ratio15.5539%2,807
Total risk-based capital ratio16.7174%2,776
Memoranda:
Average total assets$199,079,2502,972
Average earning assets$182,805,0002,998
Average equity$23,529,2502,860
Average total loans$124,252,0003,010
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0798%2,946
Cost of funding earning assets0.4803%2,271
Net interest margin3.5995%3,101
Noninterest income to average assets0.8693%1,477
Noninterest expense to average assets2.6229%3,648
Loan and lease loss provision to assets0.0605%2,929
Net operating income to assets1.1405%1,806
Return on assets (ROA)1.1405%1,924
Pretax return on assets1.4884%1,709
Return on Equity (ROE)9.7064%2,180
Retained earnings to average equity (ytd only)6.2735%1,971
Net charge-offs to loans0.0290%2,896
Credit loss provision to net charge-offs333.3333%885
Earnings coverage of net charge-offs (x)85.3333%668
Efficiency ratio62.3399%4,291
Assets per employee ($millions)4.1558%3,643
Cash dividends to net income (ytd only)*35.3669%2,627
Condition Ratios (%)
Loss allowance to loans1.3502%2,530
Loan loss allowance to noncurrent loans93.0978%3,860
Noncurrent assets plus other real estate owned to assets0.9545%2,242
Noncurrent loans to loans1.4503%1,526
Net loans and leases to total assets62.7413%3,536
Net loans and leases to deposits78.8452%3,069
Net loans and leases to core deposits80.6292%3,400
Total domestic deposits to total assets79.5752%4,654
Equity capital to assets11.8915%2,206
Core capital (leverage) ratio11.6280%1,889
Tier 1 risk-based capital ratio15.0200%3,071
Total risk-based capital ratio16.1511%3,060
Memoranda:
Average total assets$198,328,3302,991
Average earning assets$181,968,0003,019
Average equity$23,304,3302,889
Average total loans$123,978,3303,020
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1050%2,827
Cost of funding earning assets0.4876%2,199
Net interest margin3.6174%3,015
Noninterest income to average assets1.0134%1,045
Noninterest expense to average assets2.6740%3,514
Loan and lease loss provision to assets0.0607%2,731
Net operating income to assets1.1934%1,581
Return on assets (ROA)1.1934%1,679
Pretax return on assets1.5797%1,350
Return on Equity (ROE)10.2182%1,893
Retained earnings to average equity (ytd only)10.2182%802
Net charge-offs to loans0.0490%2,058
Credit loss provision to net charge-offs200.0000%1,075
Earnings coverage of net charge-offs (x)54.0667%833
Efficiency ratio61.4627%4,535
Assets per employee ($millions)3.9979%3,946
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3732%2,548
Loan loss allowance to noncurrent loans86.1154%3,946
Noncurrent assets plus other real estate owned to assets1.0628%2,081
Noncurrent loans to loans1.5946%1,456
Net loans and leases to total assets61.8522%3,551
Net loans and leases to deposits77.8947%3,015
Net loans and leases to core deposits78.7073%3,427
Total domestic deposits to total assets79.4049%4,878
Equity capital to assets11.9931%2,034
Core capital (leverage) ratio11.3808%2,067
Tier 1 risk-based capital ratio15.8461%2,761
Total risk-based capital ratio17.0498%2,710
Memoranda:
Average total assets$197,753,5003,012
Average earning assets$180,462,0003,041
Average equity$23,096,0002,913
Average total loans$122,533,5003,048
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1107%2,875
Cost of funding earning assets0.6344%1,159
Net interest margin3.4763%3,611
Noninterest income to average assets0.7542%1,961
Noninterest expense to average assets2.6527%3,749
Loan and lease loss provision to assets0.0312%3,745
Net operating income to assets1.0080%2,321
Return on assets (ROA)1.0059%2,424
Pretax return on assets1.2400%2,505
Return on Equity (ROE)8.7165%2,618
Retained earnings to average equity (ytd only)5.5616%2,043
Net charge-offs to loans0.0182%3,920
Credit loss provision to net charge-offs285.7143%1,024
Earnings coverage of net charge-offs (x)116.6190%514
Efficiency ratio66.9625%3,758
Assets per employee ($millions)4.0737%3,808
Cash dividends to net income (ytd only)*36.1944%3,042
Condition Ratios (%)
Loss allowance to loans1.3673%2,570
Loan loss allowance to noncurrent loans92.4737%3,853
Noncurrent assets plus other real estate owned to assets0.9503%2,291
Noncurrent loans to loans1.4786%1,573
Net loans and leases to total assets60.3890%3,782
Net loans and leases to deposits75.2909%3,343
Net loans and leases to core deposits76.1740%3,739
Total domestic deposits to total assets80.2075%4,700
Equity capital to assets11.3711%2,472
Core capital (leverage) ratio11.2881%2,130
Tier 1 risk-based capital ratio15.6756%2,848
Total risk-based capital ratio16.8853%2,797
Memoranda:
Average total assets$192,258,8003,024
Average earning assets$175,444,4003,048
Average equity$22,187,8002,958
Average total loans$115,174,4003,117
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0803%3,022
Cost of funding earning assets0.6665%994
Net interest margin3.4138%3,897
Noninterest income to average assets0.8003%1,804
Noninterest expense to average assets2.7020%3,555
Loan and lease loss provision to assets0.0315%3,608
Net operating income to assets0.9789%2,578
Return on assets (ROA)0.9761%2,674
Pretax return on assets1.1868%2,865
Return on Equity (ROE)8.4252%2,856
Retained earnings to average equity (ytd only)6.6120%1,880
Net charge-offs to loans0.0541%2,829
Credit loss provision to net charge-offs97.8261%2,340
Earnings coverage of net charge-offs (x)37.9359%1,296
Efficiency ratio68.2548%3,493
Assets per employee ($millions)3.7820%4,300
Cash dividends to net income (ytd only)*21.5208%3,181
Condition Ratios (%)
Loss allowance to loans1.3870%2,668
Loan loss allowance to noncurrent loans97.2570%3,735
Noncurrent assets plus other real estate owned to assets0.9664%2,435
Noncurrent loans to loans1.4261%1,775
Net loans and leases to total assets60.1215%3,869
Net loans and leases to deposits75.5135%3,364
Net loans and leases to core deposits76.5645%3,731
Total domestic deposits to total assets79.6170%4,825
Equity capital to assets11.6611%2,374
Core capital (leverage) ratio11.3154%2,178
Tier 1 risk-based capital ratio15.3049%3,139
Total risk-based capital ratio16.4655%3,117
Memoranda:
Average total assets$190,420,7503,071
Average earning assets$174,231,7503,084
Average equity$22,060,2502,983
Average total loans$113,414,5003,174
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1131%2,849
Cost of funding earning assets0.6859%908
Net interest margin3.4272%3,802
Noninterest income to average assets0.9019%1,437
Noninterest expense to average assets2.7500%3,412
Loan and lease loss provision to assets0.0316%3,488
Net operating income to assets1.0232%2,273
Return on assets (ROA)1.0232%2,389
Pretax return on assets1.2511%2,548
Return on Equity (ROE)8.8518%2,633
Retained earnings to average equity (ytd only)6.1142%2,164
Net charge-offs to loans0.0339%2,988
Credit loss provision to net charge-offs157.8947%1,480
Earnings coverage of net charge-offs (x)64.0000%808
Efficiency ratio67.6171%3,730
Assets per employee ($millions)3.7265%4,371
Cash dividends to net income (ytd only)*30.9278%2,776
Condition Ratios (%)
Loss allowance to loans1.4457%2,532
Loan loss allowance to noncurrent loans72.5707%4,413
Noncurrent assets plus other real estate owned to assets1.3901%1,806
Noncurrent loans to loans1.9921%1,229
Net loans and leases to total assets58.9354%3,988
Net loans and leases to deposits74.0094%3,490
Net loans and leases to core deposits75.0533%3,847
Total domestic deposits to total assets79.6324%4,945
Equity capital to assets11.6416%2,299
Core capital (leverage) ratio11.2939%2,168
Tier 1 risk-based capital ratio14.9446%3,384
Total risk-based capital ratio16.1094%3,374
Memoranda:
Average total assets$189,600,6703,106
Average earning assets$173,204,0003,119
Average equity$21,916,3303,004
Average total loans$112,021,3303,207
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1571%2,612
Cost of funding earning assets0.6874%913
Net interest margin3.4697%3,554
Noninterest income to average assets0.9822%1,159
Noninterest expense to average assets2.7543%3,404
Loan and lease loss provision to assets0.0317%3,257
Net operating income to assets1.0772%1,941
Return on assets (ROA)1.0772%2,060
Pretax return on assets1.3518%2,064
Return on Equity (ROE)9.3526%2,282
Retained earnings to average equity (ytd only)9.3526%1,082
Net charge-offs to loans0.0683%2,050
Credit loss provision to net charge-offs78.9474%1,835
Earnings coverage of net charge-offs (x)34.4737%1,060
Efficiency ratio66.0031%4,156
Assets per employee ($millions)3.5754%4,770
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.4491%2,681
Loan loss allowance to noncurrent loans65.0419%4,581
Noncurrent assets plus other real estate owned to assets1.5531%1,662
Noncurrent loans to loans2.2279%1,128
Net loans and leases to total assets58.4287%3,882
Net loans and leases to deposits73.4724%3,373
Net loans and leases to core deposits74.6625%3,719
Total domestic deposits to total assets79.5246%5,167
Equity capital to assets11.6620%2,332
Core capital (leverage) ratio11.2499%2,193
Tier 1 risk-based capital ratio15.3355%3,240
Total risk-based capital ratio16.5292%3,202
Memoranda:
Average total assets$189,375,0003,126
Average earning assets$172,236,0003,151
Average equity$21,812,0003,037
Average total loans$111,206,5003,245
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2082%2,927
Cost of funding earning assets0.7262%972
Net interest margin3.4820%3,860
Noninterest income to average assets0.7839%1,936
Noninterest expense to average assets2.7209%3,786
Loan and lease loss provision to assets0.0323%3,952
Net operating income to assets0.9782%2,491
Return on assets (ROA)0.9782%2,565
Pretax return on assets1.1961%2,667
Return on Equity (ROE)8.6869%2,738
Retained earnings to average equity (ytd only)4.8643%2,705
Net charge-offs to loans-0.0028%5,401
Credit loss provision to net charge-offs-2,000.0000%5,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2834%3,850
Assets per employee ($millions)3.7163%4,499
Cash dividends to net income (ytd only)*44.0044%2,634
Condition Ratios (%)
Loss allowance to loans1.4828%2,555
Loan loss allowance to noncurrent loans54.5272%4,972
Noncurrent assets plus other real estate owned to assets1.6736%1,612
Noncurrent loans to loans2.7193%895
Net loans and leases to total assets57.2112%4,168
Net loans and leases to deposits71.6874%3,716
Net loans and leases to core deposits72.8418%4,041
Total domestic deposits to total assets79.8065%5,065
Equity capital to assets11.5037%2,424
Core capital (leverage) ratio11.3709%2,073
Tier 1 risk-based capital ratio15.2401%3,354
Total risk-based capital ratio16.4328%3,338
Memoranda:
Average total assets$185,858,2003,152
Average earning assets$168,956,6003,171
Average equity$20,928,0003,064
Average total loans$107,880,2003,270
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2549%2,791
Cost of funding earning assets0.7312%987
Net interest margin3.5237%3,740
Noninterest income to average assets0.8067%1,866
Noninterest expense to average assets2.7432%3,656
Loan and lease loss provision to assets0.0324%3,758
Net operating income to assets0.9927%2,480
Return on assets (ROA)0.9927%2,545
Pretax return on assets1.2415%2,607
Return on Equity (ROE)8.8654%2,754
Retained earnings to average equity (ytd only)6.2901%2,223
Net charge-offs to loans-0.0025%5,204
Credit loss provision to net charge-offs-2,250.0000%5,975
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6777%3,914
Assets per employee ($millions)3.5952%4,688
Cash dividends to net income (ytd only)*29.0487%2,852
Condition Ratios (%)
Loss allowance to loans1.5136%2,638
Loan loss allowance to noncurrent loans69.5054%4,497
Noncurrent assets plus other real estate owned to assets1.3913%2,218
Noncurrent loans to loans2.1777%1,406
Net loans and leases to total assets57.3481%4,158
Net loans and leases to deposits72.2278%3,666
Net loans and leases to core deposits73.4313%4,003
Total domestic deposits to total assets79.3989%5,240
Equity capital to assets11.6943%2,316
Core capital (leverage) ratio11.3904%2,144
Tier 1 risk-based capital ratio16.6503%2,748
Total risk-based capital ratio17.9438%2,688
Memoranda:
Average total assets$184,940,0003,187
Average earning assets$168,491,7503,204
Average equity$20,709,2503,094
Average total loans$107,334,0003,297
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3283%2,485
Cost of funding earning assets0.7386%974
Net interest margin3.5897%3,402
Noninterest income to average assets0.8713%1,587
Noninterest expense to average assets2.7282%3,761
Loan and lease loss provision to assets0.0324%3,638
Net operating income to assets1.0633%2,065
Return on assets (ROA)1.0633%2,145
Pretax return on assets1.3706%2,002
Return on Equity (ROE)9.6360%2,306
Retained earnings to average equity (ytd only)5.7269%2,494
Net charge-offs to loans-0.0074%5,256
Credit loss provision to net charge-offs-750.0000%5,664
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4398%4,456
Assets per employee ($millions)3.6665%4,516
Cash dividends to net income (ytd only)*40.5680%2,375
Condition Ratios (%)
Loss allowance to loans1.5232%2,790
Loan loss allowance to noncurrent loans69.3039%4,536
Noncurrent assets plus other real estate owned to assets1.3332%2,456
Noncurrent loans to loans2.1978%1,490
Net loans and leases to total assets55.4243%4,356
Net loans and leases to deposits69.1942%3,917
Net loans and leases to core deposits70.0746%4,263
Total domestic deposits to total assets80.0997%5,211
Equity capital to assets11.1957%2,700
Core capital (leverage) ratio11.0224%2,409
Tier 1 risk-based capital ratio15.6200%3,285
Total risk-based capital ratio16.8474%3,250
Memoranda:
Average total assets$185,468,6703,201
Average earning assets$168,428,0003,214
Average equity$20,465,0003,121
Average total loans$107,523,3303,297
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3792%2,232
Cost of funding earning assets0.7494%975
Net interest margin3.6299%3,143
Noninterest income to average assets0.9507%1,257
Noninterest expense to average assets2.7005%3,932
Loan and lease loss provision to assets0.0325%3,395
Net operating income to assets1.1456%1,644
Return on assets (ROA)1.1456%1,712
Pretax return on assets1.5116%1,402
Return on Equity (ROE)10.4597%1,884
Retained earnings to average equity (ytd only)10.4597%853
Net charge-offs to loans-0.0147%5,197
Credit loss provision to net charge-offs-375.0000%5,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0612%4,996
Assets per employee ($millions)3.7007%4,517
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4778%3,248
Loan loss allowance to noncurrent loans82.0672%4,115
Noncurrent assets plus other real estate owned to assets1.1430%2,969
Noncurrent loans to loans1.8007%2,139
Net loans and leases to total assets57.2145%3,968
Net loans and leases to deposits71.3690%3,420
Net loans and leases to core deposits72.5581%3,812
Total domestic deposits to total assets80.1672%5,457
Equity capital to assets11.1702%2,556
Core capital (leverage) ratio11.0276%2,356
Tier 1 risk-based capital ratio15.5000%3,433
Total risk-based capital ratio16.7106%3,420
Memoranda:
Average total assets$184,707,0003,236
Average earning assets$167,610,0003,247
Average equity$20,230,0003,147
Average total loans$108,664,0003,289
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6324%1,768
Cost of funding earning assets0.8727%852
Net interest margin3.7597%2,806
Noninterest income to average assets1.0327%1,318
Noninterest expense to average assets2.8667%3,470
Loan and lease loss provision to assets0.2032%1,830
Net operating income to assets1.1738%1,671
Return on assets (ROA)1.1738%1,728
Pretax return on assets1.4052%1,760
Return on Equity (ROE)10.7119%1,860
Retained earnings to average equity (ytd only)6.5920%1,633
Net charge-offs to loans-0.0074%5,984
Credit loss provision to net charge-offs-4,500.0000%6,364
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5435%4,980
Assets per employee ($millions)3.9229%4,021
Cash dividends to net income (ytd only)*38.4615%2,884
Condition Ratios (%)
Loss allowance to loans1.4280%3,519
Loan loss allowance to noncurrent loans98.1852%3,662
Noncurrent assets plus other real estate owned to assets0.9757%3,468
Noncurrent loans to loans1.4544%2,711
Net loans and leases to total assets58.7400%3,914
Net loans and leases to deposits72.9082%3,408
Net loans and leases to core deposits74.1228%3,827
Total domestic deposits to total assets80.5670%5,301
Equity capital to assets10.7340%2,897
Core capital (leverage) ratio10.9799%2,407
Tier 1 risk-based capital ratio14.2641%4,108
Total risk-based capital ratio15.3949%4,147
Memoranda:
Average total assets$177,205,2003,304
Average earning assets$162,247,4003,312
Average equity$19,417,6003,226
Average total loans$107,952,2003,286
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6566%1,735
Cost of funding earning assets0.8765%919
Net interest margin3.7800%2,713
Noninterest income to average assets1.1591%1,090
Noninterest expense to average assets2.9461%3,149
Loan and lease loss provision to assets0.2052%1,767
Net operating income to assets1.2754%1,412
Return on assets (ROA)1.2754%1,482
Pretax return on assets1.4791%1,671
Return on Equity (ROE)11.5776%1,631
Retained earnings to average equity (ytd only)8.8177%1,115
Net charge-offs to loans-0.0012%5,660
Credit loss provision to net charge-offs-27,000.0000%6,408
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1320%4,959
Assets per employee ($millions)3.5654%4,724
Cash dividends to net income (ytd only)*23.8379%2,943
Condition Ratios (%)
Loss allowance to loans1.3442%4,170
Loan loss allowance to noncurrent loans78.2562%4,119
Noncurrent assets plus other real estate owned to assets1.1679%3,320
Noncurrent loans to loans1.7177%2,619
Net loans and leases to total assets60.6020%3,595
Net loans and leases to deposits75.9188%2,978
Net loans and leases to core deposits77.5599%3,414
Total domestic deposits to total assets79.8248%5,552
Equity capital to assets11.1927%2,570
Core capital (leverage) ratio11.1331%2,356
Tier 1 risk-based capital ratio14.5019%4,071
Total risk-based capital ratio15.5814%4,141
Memoranda:
Average total assets$175,412,2503,357
Average earning assets$161,087,7503,351
Average equity$19,324,2503,269
Average total loans$107,472,2503,318
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6221%1,775
Cost of funding earning assets0.9082%860
Net interest margin3.7139%2,907
Noninterest income to average assets1.4617%740
Noninterest expense to average assets3.0104%2,968
Loan and lease loss provision to assets0.2064%1,834
Net operating income to assets1.4937%911
Return on assets (ROA)1.4937%978
Pretax return on assets1.6623%1,203
Return on Equity (ROE)13.6335%1,086
Retained earnings to average equity (ytd only)9.4482%980
Net charge-offs to loans0.0206%4,428
Credit loss provision to net charge-offs1,636.3636%195
Earnings coverage of net charge-offs (x)148.1818%333
Efficiency ratio61.2547%5,286
Assets per employee ($millions)3.6026%4,619
Cash dividends to net income (ytd only)*30.6984%2,647
Condition Ratios (%)
Loss allowance to loans1.2192%4,887
Loan loss allowance to noncurrent loans94.2837%3,601
Noncurrent assets plus other real estate owned to assets0.9177%3,955
Noncurrent loans to loans1.2931%3,395
Net loans and leases to total assets61.5746%3,374
Net loans and leases to deposits76.8195%2,752
Net loans and leases to core deposits77.9850%3,290
Total domestic deposits to total assets80.1550%5,574
Equity capital to assets10.9964%2,751
Core capital (leverage) ratio10.6701%2,694
Tier 1 risk-based capital ratio13.9877%4,436
Total risk-based capital ratio14.9755%4,590
Memoranda:
Average total assets$174,460,3303,382
Average earning assets$160,532,6703,388
Average equity$19,114,6703,316
Average total loans$106,794,3303,343
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4518%2,342
Cost of funding earning assets0.9455%798
Net interest margin3.5064%3,668
Noninterest income to average assets2.0277%429
Noninterest expense to average assets3.1674%2,460
Loan and lease loss provision to assets0.2098%1,767
Net operating income to assets1.8529%435
Return on assets (ROA)1.8529%478
Pretax return on assets1.8832%758
Return on Equity (ROE)16.9437%512
Retained earnings to average equity (ytd only)16.9437%232
Net charge-offs to loans-0.0346%5,965
Credit loss provision to net charge-offs-1,000.0000%5,621
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9025%5,598
Assets per employee ($millions)3.6424%4,691
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1307%5,480
Loan loss allowance to noncurrent loans47.4607%5,267
Noncurrent assets plus other real estate owned to assets1.5617%2,922
Noncurrent loans to loans2.3823%2,181
Net loans and leases to total assets61.1474%3,231
Net loans and leases to deposits77.9019%2,350
Net loans and leases to core deposits79.0683%2,919
Total domestic deposits to total assets78.4928%6,050
Equity capital to assets10.9662%2,990
Core capital (leverage) ratio11.1559%2,131
Tier 1 risk-based capital ratio13.6470%4,762
Total risk-based capital ratio14.5670%4,951
Memoranda:
Average total assets$171,625,0003,472
Average earning assets$158,227,0003,463
Average equity$18,768,0003,409
Average total loans$104,049,5003,419
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5300%3,278
Cost of funding earning assets1.1092%874
Net interest margin3.4207%4,813
Noninterest income to average assets0.8946%1,875
Noninterest expense to average assets2.8120%3,979
Loan and lease loss provision to assets0.0644%4,956
Net operating income to assets1.0452%2,142
Return on assets (ROA)1.0452%2,343
Pretax return on assets1.1643%2,933
Return on Equity (ROE)9.8316%2,242
Retained earnings to average equity (ytd only)7.4100%1,373
Net charge-offs to loans0.0801%4,866
Credit loss provision to net charge-offs129.8701%2,154
Earnings coverage of net charge-offs (x)24.7922%1,163
Efficiency ratio69.5922%3,883
Assets per employee ($millions)3.5793%4,828
Cash dividends to net income (ytd only)*24.6305%3,585
Condition Ratios (%)
Loss allowance to loans1.2874%4,702
Loan loss allowance to noncurrent loans133.0377%2,611
Noncurrent assets plus other real estate owned to assets0.6375%4,876
Noncurrent loans to loans0.9677%4,262
Net loans and leases to total assets58.4244%3,892
Net loans and leases to deposits76.2775%2,755
Net loans and leases to core deposits78.4135%3,206
Total domestic deposits to total assets76.5946%6,274
Equity capital to assets10.8992%3,067
Core capital (leverage) ratio10.2291%3,099
Tier 1 risk-based capital ratio14.6364%3,942
Total risk-based capital ratio15.7208%4,002
Memoranda:
Average total assets$155,369,8003,698
Average earning assets$142,893,2003,681
Average equity$16,518,2003,697
Average total loans$96,082,4003,616
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6090%3,167
Cost of funding earning assets1.1389%909
Net interest margin3.4701%4,756
Noninterest income to average assets0.9050%1,811
Noninterest expense to average assets2.7667%4,104
Loan and lease loss provision to assets0.0646%4,900
Net operating income to assets1.0962%2,107
Return on assets (ROA)1.0962%2,304
Pretax return on assets1.2666%2,723
Return on Equity (ROE)10.3769%2,181
Retained earnings to average equity (ytd only)8.7466%1,330
Net charge-offs to loans0.1171%4,210
Credit loss provision to net charge-offs88.2353%3,353
Earnings coverage of net charge-offs (x)18.1883%1,579
Efficiency ratio67.5142%4,174
Assets per employee ($millions)3.5328%4,900
Cash dividends to net income (ytd only)*15.7109%3,239
Condition Ratios (%)
Loss allowance to loans1.1955%5,305
Loan loss allowance to noncurrent loans109.2610%2,993
Noncurrent assets plus other real estate owned to assets0.7781%4,763
Noncurrent loans to loans1.0942%4,245
Net loans and leases to total assets60.7191%3,629
Net loans and leases to deposits79.0019%2,530
Net loans and leases to core deposits81.6992%3,002
Total domestic deposits to total assets76.8578%6,260
Equity capital to assets10.7285%3,577
Core capital (leverage) ratio10.2890%3,179
Tier 1 risk-based capital ratio15.1959%3,709
Total risk-based capital ratio16.3022%3,764
Memoranda:
Average total assets$154,840,0003,737
Average earning assets$142,470,2503,728
Average equity$16,356,5003,762
Average total loans$96,800,0003,639
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5221%3,673
Cost of funding earning assets1.1709%938
Net interest margin3.3512%5,271
Noninterest income to average assets0.9618%1,574
Noninterest expense to average assets2.8151%3,956
Loan and lease loss provision to assets0.0652%4,827
Net operating income to assets0.9944%2,493
Return on assets (ROA)0.9944%2,717
Pretax return on assets1.1625%3,072
Return on Equity (ROE)9.4645%2,589
Retained earnings to average equity (ytd only)6.9837%2,112
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6325%3,828
Assets per employee ($millions)3.5049%4,973
Cash dividends to net income (ytd only)*26.2123%2,766
Condition Ratios (%)
Loss allowance to loans1.2611%5,078
Loan loss allowance to noncurrent loans78.1310%3,863
Noncurrent assets plus other real estate owned to assets1.1776%4,049
Noncurrent loans to loans1.6141%3,487
Net loans and leases to total assets62.3962%3,354
Net loans and leases to deposits82.6313%2,031
Net loans and leases to core deposits84.6634%2,607
Total domestic deposits to total assets75.5116%6,530
Equity capital to assets10.6928%3,466
Core capital (leverage) ratio10.1095%3,258
Tier 1 risk-based capital ratio14.8927%3,836
Total risk-based capital ratio16.0710%3,849
Memoranda:
Average total assets$153,460,6703,781
Average earning assets$141,085,6703,767
Average equity$16,123,3303,786
Average total loans$96,500,6703,657
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6130%3,446
Cost of funding earning assets1.1981%995
Net interest margin3.4149%5,055
Noninterest income to average assets1.1183%1,129
Noninterest expense to average assets2.9736%3,369
Loan and lease loss provision to assets0.0653%4,603
Net operating income to assets0.9407%2,744
Return on assets (ROA)0.9407%2,949
Pretax return on assets1.2150%2,858
Return on Equity (ROE)9.0339%2,809
Retained earnings to average equity (ytd only)9.0339%1,579
Net charge-offs to loans-0.0500%6,530
Credit loss provision to net charge-offs-208.3333%5,606
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9017%3,835
Assets per employee ($millions)3.3527%5,446
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2979%5,032
Loan loss allowance to noncurrent loans87.6623%3,404
Noncurrent assets plus other real estate owned to assets1.1678%4,178
Noncurrent loans to loans1.4806%3,898
Net loans and leases to total assets59.9103%3,686
Net loans and leases to deposits78.0352%2,497
Net loans and leases to core deposits79.4019%3,126
Total domestic deposits to total assets76.7734%6,434
Equity capital to assets10.4238%3,591
Core capital (leverage) ratio9.9917%3,373
Tier 1 risk-based capital ratio14.9901%3,769
Total risk-based capital ratio16.1781%3,768
Memoranda:
Average total assets$153,083,0003,821
Average earning assets$140,558,5003,803
Average equity$15,940,0003,826
Average total loans$96,024,0003,688
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7954%3,835
Cost of funding earning assets1.4040%1,017
Net interest margin3.3914%5,508
Noninterest income to average assets0.6748%2,755
Noninterest expense to average assets2.7975%4,355
Loan and lease loss provision to assets0.3030%3,242
Net operating income to assets0.7697%3,180
Return on assets (ROA)0.7697%3,339
Pretax return on assets0.6862%4,382
Return on Equity (ROE)7.5795%3,113
Retained earnings to average equity (ytd only)4.9270%2,695
Net charge-offs to loans1.2501%1,333
Credit loss provision to net charge-offs35.5450%5,704
Earnings coverage of net charge-offs (x)1.1603%4,921
Efficiency ratio73.8752%3,260
Assets per employee ($millions)3.5335%4,932
Cash dividends to net income (ytd only)*34.9956%2,865
Condition Ratios (%)
Loss allowance to loans1.1967%5,403
Loan loss allowance to noncurrent loans81.9763%3,595
Noncurrent assets plus other real estate owned to assets1.2288%4,180
Noncurrent loans to loans1.4598%3,972
Net loans and leases to total assets64.0106%3,191
Net loans and leases to deposits83.4841%1,988
Net loans and leases to core deposits88.0419%2,371
Total domestic deposits to total assets76.6740%6,382
Equity capital to assets10.4013%3,650
Core capital (leverage) ratio9.9404%3,404
Tier 1 risk-based capital ratio14.6097%3,898
Total risk-based capital ratio15.7593%3,944
Memoranda:
Average total assets$148,490,8003,830
Average earning assets$136,255,0003,816
Average equity$15,080,2003,892
Average total loans$101,270,2003,588
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8523%3,770
Cost of funding earning assets1.4399%1,068
Net interest margin3.4124%5,532
Noninterest income to average assets0.6467%2,904
Noninterest expense to average assets2.8025%4,336
Loan and lease loss provision to assets0.3549%2,746
Net operating income to assets0.6611%3,819
Return on assets (ROA)0.6611%3,993
Pretax return on assets0.6250%4,727
Return on Equity (ROE)6.5505%3,738
Retained earnings to average equity (ytd only)4.7608%3,342
Net charge-offs to loans1.6055%884
Credit loss provision to net charge-offs32.0033%5,380
Earnings coverage of net charge-offs (x)0.8836%4,957
Efficiency ratio74.0926%3,161
Assets per employee ($millions)3.5330%4,918
Cash dividends to net income (ytd only)*27.3223%2,610
Condition Ratios (%)
Loss allowance to loans1.1704%5,588
Loan loss allowance to noncurrent loans78.5763%3,623
Noncurrent assets plus other real estate owned to assets1.5930%3,701
Noncurrent loans to loans1.4895%4,063
Net loans and leases to total assets64.4192%3,226
Net loans and leases to deposits83.9322%2,014
Net loans and leases to core deposits89.2131%2,337
Total domestic deposits to total assets76.7514%6,414
Equity capital to assets10.1896%4,101
Core capital (leverage) ratio9.9918%3,455
Tier 1 risk-based capital ratio13.4000%4,807
Total risk-based capital ratio14.4523%4,927
Memoranda:
Average total assets$147,628,0003,863
Average earning assets$135,657,7503,846
Average equity$14,899,2503,937
Average total loans$101,978,5003,598
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9179%3,541
Cost of funding earning assets1.4858%1,054
Net interest margin3.4321%5,435
Noninterest income to average assets0.8003%2,013
Noninterest expense to average assets2.9262%3,919
Loan and lease loss provision to assets0.4446%2,213
Net operating income to assets0.5800%4,158
Return on assets (ROA)0.5800%4,286
Pretax return on assets0.5800%4,810
Return on Equity (ROE)5.7665%4,075
Retained earnings to average equity (ytd only)3.0464%4,341
Net charge-offs to loans2.3601%530
Credit loss provision to net charge-offs26.7490%5,037
Earnings coverage of net charge-offs (x)0.6165%4,837
Efficiency ratio74.0651%3,352
Assets per employee ($millions)3.3111%5,402
Cash dividends to net income (ytd only)*47.1698%1,787
Condition Ratios (%)
Loss allowance to loans1.0979%5,966
Loan loss allowance to noncurrent loans88.8889%3,206
Noncurrent assets plus other real estate owned to assets1.5533%3,864
Noncurrent loans to loans1.2351%4,598
Net loans and leases to total assets68.2627%2,568
Net loans and leases to deposits92.3700%1,011
Net loans and leases to core deposits100.4830%1,301
Total domestic deposits to total assets73.9014%6,850
Equity capital to assets10.2450%3,823
Core capital (leverage) ratio9.8988%3,389
Tier 1 risk-based capital ratio13.2527%4,725
Total risk-based capital ratio14.2651%4,885
Memoranda:
Average total assets$146,197,6703,915
Average earning assets$134,204,6703,904
Average equity$14,705,6703,959
Average total loans$102,963,3303,607
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9234%3,460
Cost of funding earning assets1.5032%1,151
Net interest margin3.4202%5,351
Noninterest income to average assets1.0106%1,296
Noninterest expense to average assets2.9443%3,875
Loan and lease loss provision to assets0.0328%5,561
Net operating income to assets0.8904%2,612
Return on assets (ROA)0.8904%2,675
Pretax return on assets1.1717%2,473
Return on Equity (ROE)8.9343%2,502
Retained earnings to average equity (ytd only)8.9343%1,404
Net charge-offs to loans-0.0691%6,988
Credit loss provision to net charge-offs-66.6667%5,669
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9677%4,064
Assets per employee ($millions)3.2669%5,561
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.9312%2,591
Loan loss allowance to noncurrent loans107.2034%2,702
Noncurrent assets plus other real estate owned to assets1.4339%4,119
Noncurrent loans to loans1.8014%3,826
Net loans and leases to total assets69.9154%2,143
Net loans and leases to deposits94.8910%755
Net loans and leases to core deposits103.2922%1,111
Total domestic deposits to total assets73.6797%6,930
Equity capital to assets10.0876%3,663
Core capital (leverage) ratio10.0370%3,102
Tier 1 risk-based capital ratio13.4718%4,440
Total risk-based capital ratio14.7298%4,412
Memoranda:
Average total assets$146,451,5003,944
Average earning assets$134,377,5003,927
Average equity$14,595,5003,974
Average total loans$104,167,0003,620
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1592%3,807
Cost of funding earning assets1.7493%1,380
Net interest margin3.4099%5,590
Noninterest income to average assets0.7121%2,774
Noninterest expense to average assets2.6301%5,298
Loan and lease loss provision to assets0.7481%2,196
Net operating income to assets0.3018%4,934
Return on assets (ROA)0.3186%5,037
Pretax return on assets0.5022%4,617
Return on Equity (ROE)3.1089%4,912
Retained earnings to average equity (ytd only)0.4055%5,374
Net charge-offs to loans0.3193%4,424
Credit loss provision to net charge-offs324.3243%796
Earnings coverage of net charge-offs (x)5.3063%2,663
Efficiency ratio68.2423%4,509
Assets per employee ($millions)3.2420%5,560
Cash dividends to net income (ytd only)*86.9565%651
Condition Ratios (%)
Loss allowance to loans1.9261%2,481
Loan loss allowance to noncurrent loans91.3841%3,122
Noncurrent assets plus other real estate owned to assets1.6327%3,855
Noncurrent loans to loans2.1077%3,427
Net loans and leases to total assets69.5944%2,635
Net loans and leases to deposits93.5813%1,098
Net loans and leases to core deposits101.8947%1,464
Total domestic deposits to total assets74.3678%6,846
Equity capital to assets9.8437%3,947
Core capital (leverage) ratio9.7218%3,410
Tier 1 risk-based capital ratio13.5210%4,182
Total risk-based capital ratio14.7792%4,142
Memoranda:
Average total assets$144,367,8003,979
Average earning assets$133,024,6003,955
Average equity$14,796,2003,972
Average total loans$104,300,4003,675
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1956%3,856
Cost of funding earning assets1.7927%1,444
Net interest margin3.4028%5,675
Noninterest income to average assets0.7741%2,361
Noninterest expense to average assets2.6104%5,280
Loan and lease loss provision to assets0.3889%3,565
Net operating income to assets0.7250%3,297
Return on assets (ROA)0.7528%3,364
Pretax return on assets0.9491%3,370
Return on Equity (ROE)7.2725%3,217
Retained earnings to average equity (ytd only)5.4835%2,661
Net charge-offs to loans0.4236%3,597
Credit loss provision to net charge-offs126.5060%3,225
Earnings coverage of net charge-offs (x)4.2379%3,142
Efficiency ratio66.7061%4,709
Assets per employee ($millions)3.3271%5,388
Cash dividends to net income (ytd only)*24.6003%2,773
Condition Ratios (%)
Loss allowance to loans1.2496%5,233
Loan loss allowance to noncurrent loans51.0126%4,885
Noncurrent assets plus other real estate owned to assets1.8901%3,626
Noncurrent loans to loans2.4496%3,176
Net loans and leases to total assets72.0647%2,238
Net loans and leases to deposits104.9032%400
Net loans and leases to core deposits111.3801%965
Total domestic deposits to total assets68.6964%7,344
Equity capital to assets10.5238%3,487
Core capital (leverage) ratio10.0906%3,160
Tier 1 risk-based capital ratio13.5213%4,188
Total risk-based capital ratio14.7426%4,167
Memoranda:
Average total assets$143,987,0004,037
Average earning assets$132,828,0004,010
Average equity$14,905,0004,011
Average total loans$104,494,0003,725
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1311%4,294
Cost of funding earning assets1.8059%1,619
Net interest margin3.3252%5,924
Noninterest income to average assets0.7375%2,468
Noninterest expense to average assets2.6483%5,132
Loan and lease loss provision to assets0.3771%3,450
Net operating income to assets0.5924%3,910
Return on assets (ROA)0.6327%3,858
Pretax return on assets0.8283%3,784
Return on Equity (ROE)6.1474%3,729
Retained earnings to average equity (ytd only)3.4333%3,925
Net charge-offs to loans0.3587%3,558
Credit loss provision to net charge-offs145.1613%2,738
Earnings coverage of net charge-offs (x)4.4355%2,953
Efficiency ratio69.6803%4,250
Assets per employee ($millions)3.2230%5,627
Cash dividends to net income (ytd only)*44.1501%1,903
Condition Ratios (%)
Loss allowance to loans1.2762%5,055
Loan loss allowance to noncurrent loans35.9341%5,970
Noncurrent assets plus other real estate owned to assets2.7187%2,655
Noncurrent loans to loans3.5515%2,226
Net loans and leases to total assets70.9923%2,661
Net loans and leases to deposits100.1157%715
Net loans and leases to core deposits105.5955%1,487
Total domestic deposits to total assets70.9103%7,270
Equity capital to assets10.1776%3,802
Core capital (leverage) ratio9.9647%3,206
Tier 1 risk-based capital ratio13.5749%4,021
Total risk-based capital ratio14.8250%3,990
Memoranda:
Average total assets$143,185,3304,071
Average earning assets$131,900,6704,057
Average equity$14,738,0004,042
Average total loans$103,714,6703,776
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1923%4,065
Cost of funding earning assets1.8103%1,835
Net interest margin3.3821%5,656
Noninterest income to average assets0.7957%2,043
Noninterest expense to average assets2.1425%6,832
Loan and lease loss provision to assets0.1687%4,841
Net operating income to assets1.1936%1,559
Return on assets (ROA)0.8520%2,837
Pretax return on assets1.1388%2,589
Return on Equity (ROE)8.2301%2,765
Retained earnings to average equity (ytd only)8.2301%1,610
Net charge-offs to loans0.1818%3,832
Credit loss provision to net charge-offs127.6596%2,761
Earnings coverage of net charge-offs (x)13.3404%1,505
Efficiency ratio54.8596%6,901
Assets per employee ($millions)3.3092%5,522
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2263%5,358
Loan loss allowance to noncurrent loans74.2925%3,655
Noncurrent assets plus other real estate owned to assets1.3289%4,530
Noncurrent loans to loans1.6507%4,273
Net loans and leases to total assets69.6995%3,009
Net loans and leases to deposits99.0165%822
Net loans and leases to core deposits104.9873%1,659
Total domestic deposits to total assets70.3918%7,385
Equity capital to assets10.2325%3,557
Core capital (leverage) ratio10.2934%2,820
Tier 1 risk-based capital ratio13.9762%3,666
Total risk-based capital ratio15.1932%3,657
Memoranda:
Average total assets$142,261,0004,151
Average earning assets$130,808,0004,136
Average equity$14,726,5004,074
Average total loans$103,425,0003,841
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5673%3,768
Cost of funding earning assets2.1109%2,413
Net interest margin3.4565%5,142
Noninterest income to average assets0.7082%2,913
Noninterest expense to average assets2.7800%5,051
Loan and lease loss provision to assets0.4115%4,343
Net operating income to assets0.5948%3,351
Return on assets (ROA)0.5948%3,432
Pretax return on assets0.7154%3,521
Return on Equity (ROE)5.7779%3,302
Retained earnings to average equity (ytd only)5.0767%1,781
Net charge-offs to loans0.3680%4,380
Credit loss provision to net charge-offs146.1538%3,243
Earnings coverage of net charge-offs (x)4.0026%3,105
Efficiency ratio71.1567%4,419
Assets per employee ($millions)3.0870%6,017
Cash dividends to net income (ytd only)*12.1359%3,834
Condition Ratios (%)
Loss allowance to loans1.1978%5,375
Loan loss allowance to noncurrent loans103.9167%2,700
Noncurrent assets plus other real estate owned to assets1.0719%4,948
Noncurrent loans to loans1.1527%5,026
Net loans and leases to total assets74.0421%2,267
Net loans and leases to deposits103.1530%689
Net loans and leases to core deposits115.1247%2,404
Total domestic deposits to total assets71.7788%7,265
Equity capital to assets10.4768%3,207
Core capital (leverage) ratio10.3114%2,775
Tier 1 risk-based capital ratio13.8865%3,571
Total risk-based capital ratio15.1088%3,540
Memoranda:
Average total assets$138,524,8004,153
Average earning assets$128,194,6004,126
Average equity$14,261,2004,198
Average total loans$105,983,8003,776
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5545%4,128
Cost of funding earning assets2.1573%2,613
Net interest margin3.3972%5,278
Noninterest income to average assets0.7416%2,758
Noninterest expense to average assets2.6873%5,382
Loan and lease loss provision to assets0.2119%5,291
Net operating income to assets0.7908%2,851
Return on assets (ROA)0.7908%2,915
Pretax return on assets0.9959%2,919
Return on Equity (ROE)7.7153%2,764
Retained earnings to average equity (ytd only)7.7153%1,229
Net charge-offs to loans0.1227%5,469
Credit loss provision to net charge-offs224.4898%1,950
Earnings coverage of net charge-offs (x)12.7963%1,727
Efficiency ratio68.9911%4,787
Assets per employee ($millions)3.0195%6,108
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1127%5,648
Loan loss allowance to noncurrent loans125.1579%2,274
Noncurrent assets plus other real estate owned to assets0.8920%5,294
Noncurrent loans to loans0.8891%5,505
Net loans and leases to total assets76.0742%1,984
Net loans and leases to deposits109.8207%468
Net loans and leases to core deposits126.1780%1,716
Total domestic deposits to total assets69.2713%7,476
Equity capital to assets10.6439%3,352
Core capital (leverage) ratio10.3930%2,890
Tier 1 risk-based capital ratio12.8584%4,288
Total risk-based capital ratio13.9303%4,360
Memoranda:
Average total assets$138,426,7504,170
Average earning assets$128,493,2504,136
Average equity$14,188,0004,246
Average total loans$106,453,7503,811
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5605%4,282
Cost of funding earning assets2.2021%2,781
Net interest margin3.3584%5,326
Noninterest income to average assets0.8129%2,350
Noninterest expense to average assets2.6253%5,636
Loan and lease loss provision to assets0.2314%4,734
Net operating income to assets0.8751%2,560
Return on assets (ROA)0.8751%2,661
Pretax return on assets1.0819%2,699
Return on Equity (ROE)8.6494%2,497
Retained earnings to average equity (ytd only)8.6494%1,023
Net charge-offs to loans0.1956%4,313
Credit loss provision to net charge-offs153.8462%2,983
Earnings coverage of net charge-offs (x)8.7308%2,221
Efficiency ratio66.6544%5,425
Assets per employee ($millions)3.1887%5,612
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0658%5,809
Loan loss allowance to noncurrent loans422.1805%753
Noncurrent assets plus other real estate owned to assets0.3706%6,529
Noncurrent loans to loans0.2525%6,884
Net loans and leases to total assets74.3003%2,623
Net loans and leases to deposits113.4974%421
Net loans and leases to core deposits130.5057%1,523
Total domestic deposits to total assets65.4643%7,768
Equity capital to assets10.1852%3,736
Core capital (leverage) ratio10.0753%3,214
Tier 1 risk-based capital ratio13.3670%3,887
Total risk-based capital ratio14.4355%3,930
Memoranda:
Average total assets$138,270,3304,211
Average earning assets$128,692,6704,170
Average equity$13,989,3304,307
Average total loans$106,320,6703,846
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6511%4,043
Cost of funding earning assets2.2404%2,957
Net interest margin3.4107%5,095
Noninterest income to average assets0.9122%1,803
Noninterest expense to average assets2.6112%5,412
Loan and lease loss provision to assets0.0874%5,842
Net operating income to assets1.1103%1,920
Return on assets (ROA)1.1103%2,048
Pretax return on assets1.3901%1,997
Return on Equity (ROE)11.0124%1,960
Retained earnings to average equity (ytd only)11.0124%967
Net charge-offs to loans-0.0075%7,238
Credit loss provision to net charge-offs-1,500.0000%6,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8632%5,715
Assets per employee ($millions)3.5206%4,769
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0349%5,900
Loan loss allowance to noncurrent loans60.7182%4,555
Noncurrent assets plus other real estate owned to assets1.3182%4,030
Noncurrent loans to loans1.7045%3,701
Net loans and leases to total assets76.5404%2,150
Net loans and leases to deposits115.7437%394
Net loans and leases to core deposits136.8202%1,256
Total domestic deposits to total assets66.1292%7,724
Equity capital to assets10.2561%3,704
Core capital (leverage) ratio10.0366%3,370
Tier 1 risk-based capital ratio12.9074%4,243
Total risk-based capital ratio13.9336%4,328
Memoranda:
Average total assets$137,255,0004,245
Average earning assets$127,832,5004,196
Average equity$13,839,0004,375
Average total loans$106,797,5003,865
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3309%3,785
Cost of funding earning assets2.6418%3,472
Net interest margin3.6890%4,516
Noninterest income to average assets0.6941%3,153
Noninterest expense to average assets2.6204%5,576
Loan and lease loss provision to assets0.1460%5,491
Net operating income to assets1.0647%2,281
Return on assets (ROA)1.0654%2,188
Pretax return on assets1.3267%2,216
Return on Equity (ROE)10.6222%2,039
Retained earnings to average equity (ytd only)9.8558%472
Net charge-offs to loans0.3813%2,925
Credit loss provision to net charge-offs49.7382%6,352
Earnings coverage of net charge-offs (x)5.0131%3,782
Efficiency ratio64.0308%5,550
Assets per employee ($millions)3.8113%3,933
Cash dividends to net income (ytd only)*7.2150%4,742
Condition Ratios (%)
Loss allowance to loans0.9935%6,118
Loan loss allowance to noncurrent loans187.5220%2,055
Noncurrent assets plus other real estate owned to assets0.4147%5,978
Noncurrent loans to loans0.5298%5,768
Net loans and leases to total assets77.5010%2,263
Net loans and leases to deposits114.2562%602
Net loans and leases to core deposits132.8768%1,664
Total domestic deposits to total assets67.8309%7,486
Equity capital to assets9.9092%4,146
Core capital (leverage) ratio10.2055%3,261
Tier 1 risk-based capital ratio12.5194%4,423
Total risk-based capital ratio13.5131%4,506
Memoranda:
Average total assets$130,096,4004,283
Average earning assets$119,841,2004,262
Average equity$13,048,2004,558
Average total loans$100,179,8003,943