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Classic Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1095%1,840
Cost of funding earning assets2.2724%573
Net interest margin2.8371%3,594
Noninterest income to average assets0.8000%935
Noninterest expense to average assets2.5695%2,100
Loan and lease loss provision to assets0.0200%2,739
Net operating income to assets0.8622%2,664
Return on assets (ROA)0.8719%2,601
Pretax return on assets0.8719%3,037
Return on Equity (ROE)11.1000%2,197
Retained earnings to average equity (ytd only)9.8495%1,057
Net charge-offs to loans0.0206%1,929
Credit loss provision to net charge-offs130.6306%1,595
Earnings coverage of net charge-offs (x)54.1712%1,245
Efficiency ratio74.4128%1,413
Assets per employee ($millions)7.5004%1,729
Cash dividends to net income (ytd only)*11.2572%3,193
Condition Ratios (%)
Loss allowance to loans1.0399%3,111
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0278%3,491
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets80.3300%605
Net loans and leases to deposits91.3640%1,151
Net loans and leases to core deposits105.5875%1,133
Total domestic deposits to total assets87.9200%1,385
Equity capital to assets8.0660%3,369
Core capital (leverage) ratio8.7579%3,932
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5754%2,388
Memoranda:
Average total assets$680,552,4001,331
Average earning assets$636,733,6001,315
Average equity$53,464,6001,520
Average total loans$539,685,8001,167
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9746%1,884
Cost of funding earning assets2.1569%537
Net interest margin2.8176%3,701
Noninterest income to average assets0.8100%922
Noninterest expense to average assets2.6557%1,782
Loan and lease loss provision to assets0.0300%2,354
Net operating income to assets0.7608%3,130
Return on assets (ROA)0.7739%3,093
Pretax return on assets0.7739%3,390
Return on Equity (ROE)9.9200%2,659
Retained earnings to average equity (ytd only)8.2198%1,882
Net charge-offs to loans0.0222%1,652
Credit loss provision to net charge-offs147.7273%1,334
Earnings coverage of net charge-offs (x)44.9659%1,374
Efficiency ratio77.1483%1,080
Assets per employee ($millions)7.2876%1,761
Cash dividends to net income (ytd only)*17.1590%2,558
Condition Ratios (%)
Loss allowance to loans1.0920%2,904
Loan loss allowance to noncurrent loans924.4648%928
Noncurrent assets plus other real estate owned to assets0.0994%2,912
Noncurrent loans to loans0.1181%2,975
Net loans and leases to total assets77.4700%950
Net loans and leases to deposits88.3509%1,355
Net loans and leases to core deposits96.1699%1,543
Total domestic deposits to total assets87.6800%1,674
Equity capital to assets7.4693%3,374
Core capital (leverage) ratio8.7659%3,974
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5666%2,427
Memoranda:
Average total assets$670,681,0001,344
Average earning assets$626,181,5001,330
Average equity$52,311,2501,539
Average total loans$528,487,2501,178
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9272%1,694
Cost of funding earning assets2.0637%432
Net interest margin2.8635%3,708
Noninterest income to average assets0.8300%808
Noninterest expense to average assets2.7054%1,629
Loan and lease loss provision to assets0.0200%2,476
Net operating income to assets0.7689%3,167
Return on assets (ROA)0.7689%3,180
Pretax return on assets0.7689%3,464
Return on Equity (ROE)9.7100%2,787
Retained earnings to average equity (ytd only)7.1488%2,239
Net charge-offs to loans0.0185%1,537
Credit loss provision to net charge-offs114.5833%1,350
Earnings coverage of net charge-offs (x)53.8958%1,247
Efficiency ratio77.4965%1,039
Assets per employee ($millions)7.0626%1,879
Cash dividends to net income (ytd only)*26.3823%2,205
Condition Ratios (%)
Loss allowance to loans1.1229%2,830
Loan loss allowance to noncurrent loans22,723.0769%72
Noncurrent assets plus other real estate owned to assets0.0111%3,738
Noncurrent loans to loans0.0049%3,774
Net loans and leases to total assets76.7300%969
Net loans and leases to deposits90.0981%1,174
Net loans and leases to core deposits96.2353%1,454
Total domestic deposits to total assets85.1600%2,496
Equity capital to assets7.8523%3,313
Core capital (leverage) ratio8.7675%3,950
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7540%2,385
Memoranda:
Average total assets$658,608,6671,363
Average earning assets$612,878,0001,355
Average equity$52,148,3331,541
Average total loans$520,094,0001,174
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8557%1,495
Cost of funding earning assets1.9102%355
Net interest margin2.9455%3,709
Noninterest income to average assets0.8000%855
Noninterest expense to average assets2.7566%1,536
Loan and lease loss provision to assets0.0200%2,260
Net operating income to assets0.7539%3,335
Return on assets (ROA)0.7539%3,289
Pretax return on assets0.7539%3,554
Return on Equity (ROE)9.4800%2,925
Retained earnings to average equity (ytd only)4.3021%3,180
Net charge-offs to loans0.0248%1,194
Credit loss provision to net charge-offs125.0000%1,020
Earnings coverage of net charge-offs (x)39.4688%1,195
Efficiency ratio77.9773%1,006
Assets per employee ($millions)6.8872%2,054
Cash dividends to net income (ytd only)*54.6198%1,075
Condition Ratios (%)
Loss allowance to loans1.1343%2,885
Loan loss allowance to noncurrent loans10,482.1429%164
Noncurrent assets plus other real estate owned to assets0.0162%3,666
Noncurrent loans to loans0.0108%3,745
Net loans and leases to total assets79.0300%637
Net loans and leases to deposits92.3836%893
Net loans and leases to core deposits98.0332%1,172
Total domestic deposits to total assets85.5400%2,710
Equity capital to assets8.0107%3,233
Core capital (leverage) ratio8.7207%3,968
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0552%2,716
Memoranda:
Average total assets$648,910,0001,401
Average earning assets$602,673,5001,396
Average equity$51,603,0001,574
Average total loans$517,066,0001,197
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3391%991
Cost of funding earning assets0.7229%528
Net interest margin3.6162%1,600
Noninterest income to average assets0.6400%1,496
Noninterest expense to average assets2.4911%2,150
Loan and lease loss provision to assets0.1400%867
Net operating income to assets1.3723%1,206
Return on assets (ROA)1.3723%1,164
Pretax return on assets1.3723%1,855
Return on Equity (ROE)16.7100%918
Retained earnings to average equity (ytd only)7.3778%2,074
Net charge-offs to loans-0.0195%4,058
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio62.2921%2,721
Assets per employee ($millions)6.7753%2,139
Cash dividends to net income (ytd only)*55.8519%1,133
Condition Ratios (%)
Loss allowance to loans1.2748%2,015
Loan loss allowance to noncurrent loans4,221.7949%340
Noncurrent assets plus other real estate owned to assets0.0315%3,495
Noncurrent loans to loans0.0302%3,573
Net loans and leases to total assets78.4200%760
Net loans and leases to deposits91.3751%953
Net loans and leases to core deposits95.4779%1,231
Total domestic deposits to total assets85.8200%2,774
Equity capital to assets7.9585%3,084
Core capital (leverage) ratio8.9484%3,742
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6251%2,521
Memoranda:
Average total assets$612,026,6001,455
Average earning assets$569,085,4001,455
Average equity$50,259,2001,615
Average total loans$477,685,0001,215
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2091%874
Cost of funding earning assets0.5134%705
Net interest margin3.6957%1,149
Noninterest income to average assets0.5900%1,743
Noninterest expense to average assets2.4974%2,021
Loan and lease loss provision to assets0.1700%564
Net operating income to assets1.3552%1,204
Return on assets (ROA)1.3552%1,180
Pretax return on assets1.3552%1,866
Return on Equity (ROE)16.3700%911
Retained earnings to average equity (ytd only)6.5191%2,545
Net charge-offs to loans-0.0427%4,266
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio62.0443%2,819
Assets per employee ($millions)6.8290%2,070
Cash dividends to net income (ytd only)*60.1666%867
Condition Ratios (%)
Loss allowance to loans1.3758%1,685
Loan loss allowance to noncurrent loans535.2273%1,521
Noncurrent assets plus other real estate owned to assets0.1961%2,295
Noncurrent loans to loans0.2570%2,349
Net loans and leases to total assets75.2400%990
Net loans and leases to deposits86.1655%1,161
Net loans and leases to core deposits89.6899%1,316
Total domestic deposits to total assets87.3200%2,661
Equity capital to assets7.7098%3,084
Core capital (leverage) ratio9.0785%3,526
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4827%2,270
Memoranda:
Average total assets$602,427,2501,486
Average earning assets$560,643,7501,481
Average equity$49,883,0001,649
Average total loans$467,943,7501,232
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1467%706
Cost of funding earning assets0.3907%980
Net interest margin3.7561%829
Noninterest income to average assets0.6489%1,548
Noninterest expense to average assets2.5237%1,851
Loan and lease loss provision to assets0.2206%357
Net operating income to assets1.3982%913
Return on assets (ROA)1.3982%887
Pretax return on assets1.3982%1,444
Return on Equity (ROE)16.4877%636
Retained earnings to average equity (ytd only)4.1299%3,038
Net charge-offs to loans0.0095%1,628
Credit loss provision to net charge-offs2,977.2727%185
Earnings coverage of net charge-offs (x)218.5000%517
Efficiency ratio60.9219%3,187
Assets per employee ($millions)6.4902%2,324
Cash dividends to net income (ytd only)*74.9518%706
Condition Ratios (%)
Loss allowance to loans1.3507%1,953
Loan loss allowance to noncurrent loans8,745.8333%156
Noncurrent assets plus other real estate owned to assets0.0119%3,909
Noncurrent loans to loans0.0154%3,850
Net loans and leases to total assets76.1968%710
Net loans and leases to deposits85.7418%998
Net loans and leases to core deposits89.3760%1,155
Total domestic deposits to total assets88.8678%2,238
Equity capital to assets7.6686%3,363
Core capital (leverage) ratio8.7880%3,669
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6057%2,650
Memoranda:
Average total assets$593,891,0001,509
Average earning assets$552,388,6671,512
Average equity$50,364,6671,673
Average total loans$464,237,0001,234
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1327%593
Cost of funding earning assets0.3094%1,560
Net interest margin3.8233%609
Noninterest income to average assets0.8393%954
Noninterest expense to average assets2.4603%1,987
Loan and lease loss provision to assets0.2139%329
Net operating income to assets1.7235%385
Return on assets (ROA)1.7235%391
Pretax return on assets1.7235%650
Return on Equity (ROE)19.3728%253
Retained earnings to average equity (ytd only)3.1143%3,221
Net charge-offs to loans0.0216%1,110
Credit loss provision to net charge-offs1,260.0000%292
Earnings coverage of net charge-offs (x)114.1200%629
Efficiency ratio55.9450%3,886
Assets per employee ($millions)6.5585%2,335
Cash dividends to net income (ytd only)*83.9243%659
Condition Ratios (%)
Loss allowance to loans1.2552%2,574
Loan loss allowance to noncurrent loans2,600.0000%441
Noncurrent assets plus other real estate owned to assets0.0380%3,657
Noncurrent loans to loans0.0483%3,632
Net loans and leases to total assets77.6263%404
Net loans and leases to deposits88.0109%619
Net loans and leases to core deposits93.5042%753
Total domestic deposits to total assets88.2008%2,429
Equity capital to assets8.3794%3,262
Core capital (leverage) ratio8.8052%3,556
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0488%2,880
Memoranda:
Average total assets$589,040,5001,532
Average earning assets$548,219,5001,536
Average equity$52,403,5001,663
Average total loans$463,248,0001,231
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4300%679
Cost of funding earning assets0.4017%1,534
Net interest margin4.0283%666
Noninterest income to average assets0.6712%1,868
Noninterest expense to average assets2.5656%1,971
Loan and lease loss provision to assets0.2423%399
Net operating income to assets1.5919%833
Return on assets (ROA)1.5919%865
Pretax return on assets1.5919%1,450
Return on Equity (ROE)16.7133%640
Retained earnings to average equity (ytd only)11.1642%677
Net charge-offs to loans0.0124%2,100
Credit loss provision to net charge-offs2,494.1176%268
Earnings coverage of net charge-offs (x)188.8235%563
Efficiency ratio58.3117%3,394
Assets per employee ($millions)6.3855%2,420
Cash dividends to net income (ytd only)*33.2017%2,373
Condition Ratios (%)
Loss allowance to loans1.2527%2,611
Loan loss allowance to noncurrent loans2,473.3624%446
Noncurrent assets plus other real estate owned to assets0.0398%3,726
Noncurrent loans to loans0.0506%3,716
Net loans and leases to total assets77.6920%398
Net loans and leases to deposits89.3611%588
Net loans and leases to core deposits95.4430%715
Total domestic deposits to total assets86.9416%2,543
Equity capital to assets9.4393%3,195
Core capital (leverage) ratio9.1127%3,274
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9548%2,647
Memoranda:
Average total assets$525,027,8001,637
Average earning assets$485,955,8001,648
Average equity$50,008,2001,766
Average total loans$410,571,8001,348
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5626%603
Cost of funding earning assets0.4275%1,501
Net interest margin4.1350%610
Noninterest income to average assets0.6737%1,914
Noninterest expense to average assets2.5870%1,878
Loan and lease loss provision to assets0.2444%384
Net operating income to assets1.6633%898
Return on assets (ROA)1.6633%939
Pretax return on assets1.6633%1,514
Return on Equity (ROE)17.4192%705
Retained earnings to average equity (ytd only)11.3586%982
Net charge-offs to loans0.0093%1,971
Credit loss provision to net charge-offs3,357.1429%219
Earnings coverage of net charge-offs (x)261.9643%467
Efficiency ratio57.5545%3,343
Assets per employee ($millions)6.3920%2,343
Cash dividends to net income (ytd only)*34.7928%1,852
Condition Ratios (%)
Loss allowance to loans1.2461%2,760
Loan loss allowance to noncurrent loans823.8462%927
Noncurrent assets plus other real estate owned to assets0.1182%3,331
Noncurrent loans to loans0.1512%3,361
Net loans and leases to total assets77.2035%458
Net loans and leases to deposits89.2116%646
Net loans and leases to core deposits94.4654%811
Total domestic deposits to total assets86.5398%2,539
Equity capital to assets9.6559%3,242
Core capital (leverage) ratio9.3246%3,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3182%2,611
Memoranda:
Average total assets$512,611,0001,687
Average earning assets$473,699,5001,690
Average equity$48,948,5001,820
Average total loans$400,175,7501,405
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7751%482
Cost of funding earning assets0.4456%1,552
Net interest margin4.3294%466
Noninterest income to average assets0.6661%1,948
Noninterest expense to average assets2.5360%2,034
Loan and lease loss provision to assets0.2499%395
Net operating income to assets1.8731%618
Return on assets (ROA)1.8731%646
Pretax return on assets1.8731%1,071
Return on Equity (ROE)19.6967%479
Retained earnings to average equity (ytd only)12.4234%827
Net charge-offs to loans-0.0031%3,296
Credit loss provision to net charge-offs-10,416.6667%4,054
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4323%3,748
Assets per employee ($millions)6.2077%2,424
Cash dividends to net income (ytd only)*36.9264%1,748
Condition Ratios (%)
Loss allowance to loans1.2203%2,817
Loan loss allowance to noncurrent loans1,191.0798%654
Noncurrent assets plus other real estate owned to assets0.0807%3,670
Noncurrent loans to loans0.1025%3,671
Net loans and leases to total assets77.8396%455
Net loans and leases to deposits91.9010%542
Net loans and leases to core deposits97.5056%741
Total domestic deposits to total assets84.6994%3,220
Equity capital to assets9.3569%3,462
Core capital (leverage) ratio8.9237%3,546
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4333%2,877
Memoranda:
Average total assets$500,243,0001,716
Average earning assets$461,352,3331,718
Average equity$47,571,3331,846
Average total loans$390,316,3331,438
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9359%392
Cost of funding earning assets0.4622%1,638
Net interest margin4.4737%375
Noninterest income to average assets0.6659%1,971
Noninterest expense to average assets2.6399%1,767
Loan and lease loss provision to assets0.2549%405
Net operating income to assets1.8852%684
Return on assets (ROA)1.8852%734
Pretax return on assets1.8852%1,142
Return on Equity (ROE)19.6525%558
Retained earnings to average equity (ytd only)9.9676%1,652
Net charge-offs to loans-0.0170%3,915
Credit loss provision to net charge-offs-1,937.5000%3,539
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2288%3,645
Assets per employee ($millions)6.1699%2,437
Cash dividends to net income (ytd only)*49.2804%1,126
Condition Ratios (%)
Loss allowance to loans1.2214%2,807
Loan loss allowance to noncurrent loans1,078.9593%623
Noncurrent assets plus other real estate owned to assets0.0884%3,747
Noncurrent loans to loans0.1132%3,742
Net loans and leases to total assets77.1769%528
Net loans and leases to deposits92.4882%565
Net loans and leases to core deposits98.6084%774
Total domestic deposits to total assets83.4451%3,581
Equity capital to assets9.3663%3,313
Core capital (leverage) ratio9.1999%3,388
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8809%2,712
Memoranda:
Average total assets$486,538,5001,736
Average earning assets$447,413,0001,749
Average equity$46,671,0001,867
Average total loans$377,576,5001,470
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4387%1,467
Cost of funding earning assets0.7020%1,708
Net interest margin3.7367%1,684
Noninterest income to average assets0.8625%1,367
Noninterest expense to average assets2.8445%1,831
Loan and lease loss provision to assets0.2171%1,808
Net operating income to assets1.2280%1,453
Return on assets (ROA)1.2938%1,369
Pretax return on assets1.2938%1,998
Return on Equity (ROE)13.5686%906
Retained earnings to average equity (ytd only)10.3062%534
Net charge-offs to loans0.0209%2,643
Credit loss provision to net charge-offs1,385.7143%605
Earnings coverage of net charge-offs (x)92.2429%829
Efficiency ratio66.3119%2,483
Assets per employee ($millions)5.9165%2,419
Cash dividends to net income (ytd only)*24.0443%3,095
Condition Ratios (%)
Loss allowance to loans1.2183%2,852
Loan loss allowance to noncurrent loans963.7744%679
Noncurrent assets plus other real estate owned to assets0.0974%3,825
Noncurrent loans to loans0.1264%3,778
Net loans and leases to total assets76.1100%780
Net loans and leases to deposits92.3733%757
Net loans and leases to core deposits98.0894%1,003
Total domestic deposits to total assets82.3940%3,566
Equity capital to assets9.8313%3,282
Core capital (leverage) ratio9.3659%3,264
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4133%2,481
Memoranda:
Average total assets$446,834,0001,714
Average earning assets$409,804,6001,736
Average equity$42,605,6001,920
Average total loans$334,569,8001,561
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5250%1,511
Cost of funding earning assets0.7643%1,655
Net interest margin3.7607%1,733
Noninterest income to average assets0.8741%1,299
Noninterest expense to average assets2.9067%1,687
Loan and lease loss provision to assets0.1938%2,038
Net operating income to assets1.2236%1,571
Return on assets (ROA)1.3127%1,417
Pretax return on assets1.3127%1,999
Return on Equity (ROE)13.8828%898
Retained earnings to average equity (ytd only)10.4905%674
Net charge-offs to loans0.0155%2,572
Credit loss provision to net charge-offs1,684.2105%563
Earnings coverage of net charge-offs (x)123.1579%686
Efficiency ratio67.2200%2,286
Assets per employee ($millions)5.6222%2,609
Cash dividends to net income (ytd only)*24.4347%2,602
Condition Ratios (%)
Loss allowance to loans1.2287%2,510
Loan loss allowance to noncurrent loans1,079.4271%552
Noncurrent assets plus other real estate owned to assets0.0833%4,019
Noncurrent loans to loans0.1138%3,917
Net loans and leases to total assets72.2772%1,624
Net loans and leases to deposits85.3318%1,774
Net loans and leases to core deposits90.5906%1,920
Total domestic deposits to total assets84.7014%2,551
Equity capital to assets9.7872%3,441
Core capital (leverage) ratio9.2737%3,480
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1431%2,135
Memoranda:
Average total assets$440,213,5001,709
Average earning assets$403,852,2501,726
Average equity$41,623,7501,947
Average total loans$327,041,2501,585
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6425%1,556
Cost of funding earning assets0.8276%1,688
Net interest margin3.8148%1,796
Noninterest income to average assets0.8812%1,215
Noninterest expense to average assets3.0844%1,385
Loan and lease loss provision to assets0.1569%2,429
Net operating income to assets1.1355%1,857
Return on assets (ROA)1.2712%1,553
Pretax return on assets1.2712%2,128
Return on Equity (ROE)13.6141%950
Retained earnings to average equity (ytd only)10.3811%715
Net charge-offs to loans0.0087%2,638
Credit loss provision to net charge-offs2,428.5714%418
Earnings coverage of net charge-offs (x)200.0000%450
Efficiency ratio70.4704%1,895
Assets per employee ($millions)5.4590%2,679
Cash dividends to net income (ytd only)*23.7473%2,605
Condition Ratios (%)
Loss allowance to loans1.1692%2,673
Loan loss allowance to noncurrent loans689.6613%761
Noncurrent assets plus other real estate owned to assets0.1253%3,904
Noncurrent loans to loans0.1695%3,772
Net loans and leases to total assets73.0606%1,545
Net loans and leases to deposits86.3106%1,729
Net loans and leases to core deposits91.7288%1,927
Total domestic deposits to total assets84.6484%2,520
Equity capital to assets9.7696%3,405
Core capital (leverage) ratio9.5266%3,323
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2165%2,096
Memoranda:
Average total assets$433,277,3331,702
Average earning assets$397,031,6671,723
Average equity$40,458,0001,976
Average total loans$323,602,0001,578
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5476%2,164
Cost of funding earning assets0.9907%1,460
Net interest margin3.5569%2,798
Noninterest income to average assets0.9228%1,018
Noninterest expense to average assets3.0237%1,830
Loan and lease loss provision to assets0.1127%2,275
Net operating income to assets1.0458%2,019
Return on assets (ROA)1.3218%1,279
Pretax return on assets1.3218%1,807
Return on Equity (ROE)14.5078%609
Retained earnings to average equity (ytd only)9.3559%883
Net charge-offs to loans0.0300%1,780
Credit loss provision to net charge-offs500.0000%869
Earnings coverage of net charge-offs (x)51.4167%879
Efficiency ratio72.3008%2,038
Assets per employee ($millions)5.0708%2,570
Cash dividends to net income (ytd only)*35.5114%2,001
Condition Ratios (%)
Loss allowance to loans1.1339%3,021
Loan loss allowance to noncurrent loans119.1552%2,965
Noncurrent assets plus other real estate owned to assets0.7345%1,834
Noncurrent loans to loans0.9516%1,727
Net loans and leases to total assets76.3100%1,247
Net loans and leases to deposits90.8058%1,421
Net loans and leases to core deposits97.4685%1,684
Total domestic deposits to total assets84.0365%2,778
Equity capital to assets9.1024%4,535
Core capital (leverage) ratio9.1896%4,286
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5948%2,441
Memoranda:
Average total assets$426,095,0001,688
Average earning assets$390,450,0001,703
Average equity$38,820,5002,031
Average total loans$319,943,5001,561
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5603%2,747
Cost of funding earning assets1.1193%1,261
Net interest margin3.4410%3,624
Noninterest income to average assets0.9765%1,023
Noninterest expense to average assets3.1072%1,739
Loan and lease loss provision to assets0.0908%2,209
Net operating income to assets0.9250%3,109
Return on assets (ROA)0.9631%3,058
Pretax return on assets0.9631%3,565
Return on Equity (ROE)10.4827%2,090
Retained earnings to average equity (ytd only)9.0373%698
Net charge-offs to loans0.1799%1,118
Credit loss provision to net charge-offs68.8845%2,926
Earnings coverage of net charge-offs (x)7.7084%2,851
Efficiency ratio75.3643%1,437
Assets per employee ($millions)5.4548%2,101
Cash dividends to net income (ytd only)*13.7885%3,662
Condition Ratios (%)
Loss allowance to loans1.1108%2,886
Loan loss allowance to noncurrent loans138.0748%2,731
Noncurrent assets plus other real estate owned to assets0.5880%2,134
Noncurrent loans to loans0.8045%1,903
Net loans and leases to total assets72.2766%2,047
Net loans and leases to deposits90.2477%1,561
Net loans and leases to core deposits96.3607%1,872
Total domestic deposits to total assets80.0869%3,961
Equity capital to assets9.1188%4,628
Core capital (leverage) ratio9.3709%4,198
Tier 1 risk-based capital ratio12.1474%4,275
Total risk-based capital ratio13.2747%4,222
Memoranda:
Average total assets$387,803,6001,775
Average earning assets$354,602,4001,798
Average equity$35,630,2002,113
Average total loans$283,995,8001,671
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5648%2,847
Cost of funding earning assets1.1433%1,197
Net interest margin3.4215%3,806
Noninterest income to average assets0.9888%959
Noninterest expense to average assets3.1780%1,509
Loan and lease loss provision to assets0.0958%1,997
Net operating income to assets0.8387%3,550
Return on assets (ROA)0.8912%3,456
Pretax return on assets0.8912%3,898
Return on Equity (ROE)9.6790%2,584
Retained earnings to average equity (ytd only)8.1757%1,322
Net charge-offs to loans0.2349%759
Credit loss provision to net charge-offs55.6701%2,745
Earnings coverage of net charge-offs (x)5.4289%2,922
Efficiency ratio77.2763%1,182
Assets per employee ($millions)4.6409%2,984
Cash dividends to net income (ytd only)*15.5317%3,204
Condition Ratios (%)
Loss allowance to loans1.1993%2,512
Loan loss allowance to noncurrent loans114.7039%3,085
Noncurrent assets plus other real estate owned to assets0.7798%1,762
Noncurrent loans to loans1.0455%1,532
Net loans and leases to total assets73.6921%1,873
Net loans and leases to deposits90.3100%1,664
Net loans and leases to core deposits96.7686%1,938
Total domestic deposits to total assets81.5990%3,587
Equity capital to assets9.4012%4,529
Core capital (leverage) ratio9.3251%4,349
Tier 1 risk-based capital ratio12.2245%4,298
Total risk-based capital ratio13.4404%4,203
Memoranda:
Average total assets$375,658,0001,835
Average earning assets$342,963,0001,853
Average equity$34,589,5002,173
Average total loans$275,257,7501,724
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5256%2,934
Cost of funding earning assets1.1563%1,116
Net interest margin3.3692%3,991
Noninterest income to average assets0.9867%895
Noninterest expense to average assets3.1229%1,675
Loan and lease loss provision to assets0.0809%2,219
Net operating income to assets0.8605%3,428
Return on assets (ROA)0.8950%3,370
Pretax return on assets0.8950%3,862
Return on Equity (ROE)9.7926%2,485
Retained earnings to average equity (ytd only)8.2884%1,282
Net charge-offs to loans0.1755%931
Credit loss provision to net charge-offs63.2911%2,380
Earnings coverage of net charge-offs (x)7.3671%2,496
Efficiency ratio76.8374%1,294
Assets per employee ($millions)4.4084%3,276
Cash dividends to net income (ytd only)*15.3614%3,163
Condition Ratios (%)
Loss allowance to loans1.3130%1,954
Loan loss allowance to noncurrent loans114.9809%3,088
Noncurrent assets plus other real estate owned to assets0.8390%1,679
Noncurrent loans to loans1.1419%1,422
Net loans and leases to total assets72.5131%2,146
Net loans and leases to deposits84.4900%2,435
Net loans and leases to core deposits90.3936%2,566
Total domestic deposits to total assets85.8245%2,125
Equity capital to assets9.5079%4,395
Core capital (leverage) ratio9.3474%4,310
Tier 1 risk-based capital ratio12.5361%4,106
Total risk-based capital ratio13.7871%3,998
Memoranda:
Average total assets$370,933,0001,864
Average earning assets$338,829,6701,873
Average equity$33,903,0002,203
Average total loans$270,089,3301,754
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4326%3,108
Cost of funding earning assets1.1337%1,081
Net interest margin3.2989%4,166
Noninterest income to average assets0.9755%868
Noninterest expense to average assets3.0284%1,908
Loan and lease loss provision to assets0.1301%1,345
Net operating income to assets0.8292%3,519
Return on assets (ROA)0.8985%3,295
Pretax return on assets0.8985%3,774
Return on Equity (ROE)10.0360%2,355
Retained earnings to average equity (ytd only)8.4622%1,505
Net charge-offs to loans0.0658%1,389
Credit loss provision to net charge-offs272.7273%876
Earnings coverage of net charge-offs (x)20.1136%1,570
Efficiency ratio75.9446%1,506
Assets per employee ($millions)4.4583%3,245
Cash dividends to net income (ytd only)*15.6815%2,560
Condition Ratios (%)
Loss allowance to loans1.3954%1,694
Loan loss allowance to noncurrent loans74.1366%3,799
Noncurrent assets plus other real estate owned to assets1.3771%919
Noncurrent loans to loans1.8822%809
Net loans and leases to total assets72.1451%2,130
Net loans and leases to deposits83.3345%2,465
Net loans and leases to core deposits87.2401%2,760
Total domestic deposits to total assets86.5729%2,021
Equity capital to assets9.1149%4,605
Core capital (leverage) ratio9.1580%4,514
Tier 1 risk-based capital ratio12.5988%4,103
Total risk-based capital ratio13.8510%3,982
Memoranda:
Average total assets$369,044,5001,882
Average earning assets$336,956,0001,892
Average equity$33,041,0002,249
Average total loans$267,469,5001,768
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3678%2,871
Cost of funding earning assets0.8403%1,346
Net interest margin3.5275%3,609
Noninterest income to average assets1.0210%905
Noninterest expense to average assets3.2636%1,409
Loan and lease loss provision to assets0.1285%1,711
Net operating income to assets0.8556%3,591
Return on assets (ROA)0.8590%3,575
Pretax return on assets0.8590%4,014
Return on Equity (ROE)9.6008%2,691
Retained earnings to average equity (ytd only)7.2950%1,540
Net charge-offs to loans0.0920%1,852
Credit loss provision to net charge-offs199.5556%1,445
Earnings coverage of net charge-offs (x)15.2844%2,335
Efficiency ratio76.8324%1,251
Assets per employee ($millions)4.2796%3,492
Cash dividends to net income (ytd only)*24.0173%3,319
Condition Ratios (%)
Loss allowance to loans1.4012%1,634
Loan loss allowance to noncurrent loans152.4084%2,685
Noncurrent assets plus other real estate owned to assets0.9018%1,540
Noncurrent loans to loans0.9194%1,744
Net loans and leases to total assets70.7768%2,447
Net loans and leases to deposits81.8557%2,754
Net loans and leases to core deposits87.1004%2,825
Total domestic deposits to total assets86.4653%2,031
Equity capital to assets8.7905%4,741
Core capital (leverage) ratio9.3261%4,330
Tier 1 risk-based capital ratio12.6937%4,016
Total risk-based capital ratio13.9459%3,903
Memoranda:
Average total assets$349,462,6001,921
Average earning assets$319,656,4001,928
Average equity$31,268,2002,265
Average total loans$244,635,2001,857
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2991%2,967
Cost of funding earning assets0.7908%1,383
Net interest margin3.5082%3,670
Noninterest income to average assets1.0254%910
Noninterest expense to average assets3.2685%1,372
Loan and lease loss provision to assets0.1214%1,660
Net operating income to assets0.8518%3,731
Return on assets (ROA)0.8565%3,717
Pretax return on assets0.8565%4,152
Return on Equity (ROE)9.5276%2,833
Retained earnings to average equity (ytd only)7.0199%2,118
Net charge-offs to loans0.0879%1,624
Credit loss provision to net charge-offs198.7342%1,391
Earnings coverage of net charge-offs (x)15.9305%2,194
Efficiency ratio77.0556%1,218
Assets per employee ($millions)4.0674%3,788
Cash dividends to net income (ytd only)*26.3204%2,730
Condition Ratios (%)
Loss allowance to loans1.4509%1,521
Loan loss allowance to noncurrent loans140.4173%2,878
Noncurrent assets plus other real estate owned to assets1.0228%1,420
Noncurrent loans to loans1.0333%1,657
Net loans and leases to total assets71.3935%2,428
Net loans and leases to deposits80.5598%2,976
Net loans and leases to core deposits85.6248%3,034
Total domestic deposits to total assets88.6217%994
Equity capital to assets9.0068%4,545
Core capital (leverage) ratio9.3473%4,340
Tier 1 risk-based capital ratio13.1253%3,835
Total risk-based capital ratio14.3781%3,739
Memoranda:
Average total assets$344,816,5001,945
Average earning assets$316,123,5001,952
Average equity$30,997,0002,282
Average total loans$239,745,5001,892
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2110%3,083
Cost of funding earning assets0.7422%1,417
Net interest margin3.4688%3,737
Noninterest income to average assets0.9561%1,036
Noninterest expense to average assets3.1981%1,538
Loan and lease loss provision to assets0.1196%1,652
Net operating income to assets0.8209%3,786
Return on assets (ROA)0.8209%3,792
Pretax return on assets0.8209%4,189
Return on Equity (ROE)9.1374%2,957
Retained earnings to average equity (ytd only)7.4702%1,856
Net charge-offs to loans0.0965%1,389
Credit loss provision to net charge-offs180.7018%1,403
Earnings coverage of net charge-offs (x)14.2105%2,110
Efficiency ratio77.2759%1,277
Assets per employee ($millions)4.1895%3,595
Cash dividends to net income (ytd only)*18.2461%3,050
Condition Ratios (%)
Loss allowance to loans1.4743%1,473
Loan loss allowance to noncurrent loans104.8150%3,392
Noncurrent assets plus other real estate owned to assets1.2817%1,107
Noncurrent loans to loans1.4065%1,202
Net loans and leases to total assets69.4491%2,660
Net loans and leases to deposits77.3959%3,214
Net loans and leases to core deposits81.9801%3,241
Total domestic deposits to total assets89.7322%655
Equity capital to assets9.0868%4,494
Core capital (leverage) ratio9.3449%4,308
Tier 1 risk-based capital ratio13.4010%3,672
Total risk-based capital ratio14.6549%3,589
Memoranda:
Average total assets$344,512,3301,954
Average earning assets$316,073,3301,963
Average equity$30,949,6702,291
Average total loans$236,173,3301,914
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1058%3,218
Cost of funding earning assets0.6885%1,506
Net interest margin3.4173%3,828
Noninterest income to average assets0.9415%1,045
Noninterest expense to average assets3.1200%1,772
Loan and lease loss provision to assets0.1136%1,664
Net operating income to assets0.8499%3,504
Return on assets (ROA)0.8499%3,522
Pretax return on assets0.8499%4,008
Return on Equity (ROE)9.5145%2,671
Retained earnings to average equity (ytd only)7.8011%1,918
Net charge-offs to loans0.0995%1,189
Credit loss provision to net charge-offs168.9655%1,158
Earnings coverage of net charge-offs (x)14.3276%1,716
Efficiency ratio76.4055%1,539
Assets per employee ($millions)4.2991%3,491
Cash dividends to net income (ytd only)*18.0082%2,442
Condition Ratios (%)
Loss allowance to loans1.4937%1,485
Loan loss allowance to noncurrent loans77.9008%3,879
Noncurrent assets plus other real estate owned to assets1.6615%789
Noncurrent loans to loans1.9174%851
Net loans and leases to total assets68.3132%2,724
Net loans and leases to deposits75.8785%3,224
Net loans and leases to core deposits79.9100%3,332
Total domestic deposits to total assets90.0297%647
Equity capital to assets8.9905%4,566
Core capital (leverage) ratio9.1853%4,451
Tier 1 risk-based capital ratio13.4260%3,704
Total risk-based capital ratio14.6800%3,612
Memoranda:
Average total assets$344,998,0001,968
Average earning assets$317,212,5001,972
Average equity$30,816,0002,317
Average total loans$233,182,0001,941
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1332%2,939
Cost of funding earning assets0.5668%1,842
Net interest margin3.5664%3,278
Noninterest income to average assets1.0033%1,012
Noninterest expense to average assets3.1361%1,758
Loan and lease loss provision to assets0.0715%2,777
Net operating income to assets1.0681%1,982
Return on assets (ROA)1.0708%1,997
Pretax return on assets1.0708%3,300
Return on Equity (ROE)11.8503%1,253
Retained earnings to average equity (ytd only)7.6568%875
Net charge-offs to loans0.0783%2,326
Credit loss provision to net charge-offs135.4651%1,952
Earnings coverage of net charge-offs (x)21.5930%1,892
Efficiency ratio73.3477%2,008
Assets per employee ($millions)4.2728%3,534
Cash dividends to net income (ytd only)*35.3868%3,062
Condition Ratios (%)
Loss allowance to loans1.5067%1,387
Loan loss allowance to noncurrent loans93.1940%3,658
Noncurrent assets plus other real estate owned to assets1.4031%999
Noncurrent loans to loans1.6167%1,029
Net loans and leases to total assets64.8910%3,248
Net loans and leases to deposits74.7306%3,454
Net loans and leases to core deposits78.7597%3,526
Total domestic deposits to total assets86.8333%2,072
Equity capital to assets8.8758%4,837
Core capital (leverage) ratio9.0572%4,576
Tier 1 risk-based capital ratio13.1655%3,810
Total risk-based capital ratio14.4185%3,727
Memoranda:
Average total assets$325,918,8002,034
Average earning assets$299,039,2002,046
Average equity$29,450,8002,394
Average total loans$219,650,4002,001
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1345%2,856
Cost of funding earning assets0.5550%1,856
Net interest margin3.5794%3,226
Noninterest income to average assets1.0314%958
Noninterest expense to average assets3.1377%1,704
Loan and lease loss provision to assets0.0800%2,485
Net operating income to assets1.0965%2,105
Return on assets (ROA)1.1002%2,142
Pretax return on assets1.1002%3,299
Return on Equity (ROE)12.1167%1,309
Retained earnings to average equity (ytd only)6.9284%1,729
Net charge-offs to loans0.0012%3,739
Credit loss provision to net charge-offs9,600.0000%48
Earnings coverage of net charge-offs (x)1,409.2022%70
Efficiency ratio72.7290%2,090
Assets per employee ($millions)4.0254%3,948
Cash dividends to net income (ytd only)*42.8193%2,143
Condition Ratios (%)
Loss allowance to loans1.5803%1,283
Loan loss allowance to noncurrent loans91.8747%3,680
Noncurrent assets plus other real estate owned to assets1.5792%945
Noncurrent loans to loans1.7201%1,050
Net loans and leases to total assets68.8941%2,711
Net loans and leases to deposits79.1454%3,053
Net loans and leases to core deposits83.6512%3,160
Total domestic deposits to total assets87.0475%1,853
Equity capital to assets9.4292%4,510
Core capital (leverage) ratio9.1668%4,554
Tier 1 risk-based capital ratio13.2150%3,868
Total risk-based capital ratio14.4691%3,784
Memoranda:
Average total assets$319,806,2502,075
Average earning assets$293,300,2502,091
Average equity$29,039,0002,447
Average total loans$216,854,0002,032
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1107%2,792
Cost of funding earning assets0.5426%1,823
Net interest margin3.5681%3,153
Noninterest income to average assets1.0594%897
Noninterest expense to average assets3.1399%1,735
Loan and lease loss provision to assets0.0900%2,179
Net operating income to assets1.0997%1,976
Return on assets (ROA)1.1016%2,015
Pretax return on assets1.1016%3,173
Return on Equity (ROE)12.2935%1,212
Retained earnings to average equity (ytd only)6.8141%1,682
Net charge-offs to loans0.0657%1,991
Credit loss provision to net charge-offs204.2857%1,254
Earnings coverage of net charge-offs (x)27.0000%1,557
Efficiency ratio72.5211%2,261
Assets per employee ($millions)3.9096%4,120
Cash dividends to net income (ytd only)*44.5714%2,110
Condition Ratios (%)
Loss allowance to loans1.6013%1,256
Loan loss allowance to noncurrent loans81.6183%3,916
Noncurrent assets plus other real estate owned to assets1.7027%840
Noncurrent loans to loans1.9620%864
Net loans and leases to total assets66.0881%3,091
Net loans and leases to deposits75.9870%3,348
Net loans and leases to core deposits78.7081%3,530
Total domestic deposits to total assets86.9729%1,969
Equity capital to assets9.3339%4,581
Core capital (leverage) ratio9.1200%4,587
Tier 1 risk-based capital ratio13.4362%3,726
Total risk-based capital ratio14.6907%3,644
Memoranda:
Average total assets$317,721,6702,091
Average earning assets$291,191,6702,108
Average equity$28,470,3302,469
Average total loans$213,057,6702,064
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0784%2,734
Cost of funding earning assets0.5094%2,012
Net interest margin3.5689%3,012
Noninterest income to average assets1.1936%718
Noninterest expense to average assets3.1813%1,661
Loan and lease loss provision to assets0.1171%1,634
Net operating income to assets1.1669%1,607
Return on assets (ROA)1.1707%1,630
Pretax return on assets1.1707%2,706
Return on Equity (ROE)13.3520%932
Retained earnings to average equity (ytd only)3.9185%3,489
Net charge-offs to loans0.0114%2,594
Credit loss provision to net charge-offs1,533.3333%211
Earnings coverage of net charge-offs (x)168.1667%325
Efficiency ratio71.2454%2,694
Assets per employee ($millions)3.9076%4,171
Cash dividends to net income (ytd only)*70.6522%1,150
Condition Ratios (%)
Loss allowance to loans1.6356%1,297
Loan loss allowance to noncurrent loans91.5817%3,773
Noncurrent assets plus other real estate owned to assets1.5835%983
Noncurrent loans to loans1.7859%1,053
Net loans and leases to total assets65.7481%3,011
Net loans and leases to deposits74.0743%3,393
Net loans and leases to core deposits76.2742%3,629
Total domestic deposits to total assets88.7597%1,284
Equity capital to assets8.7225%5,057
Core capital (leverage) ratio9.0979%4,622
Tier 1 risk-based capital ratio13.2127%3,940
Total risk-based capital ratio14.4673%3,855
Memoranda:
Average total assets$314,335,5002,126
Average earning assets$288,155,5002,143
Average equity$27,561,5002,541
Average total loans$210,615,5002,093
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2037%2,476
Cost of funding earning assets0.5040%2,059
Net interest margin3.6997%2,695
Noninterest income to average assets0.9672%1,218
Noninterest expense to average assets3.3548%1,456
Loan and lease loss provision to assets-0.0311%5,536
Net operating income to assets1.0432%2,168
Return on assets (ROA)1.0736%2,121
Pretax return on assets1.0736%3,203
Return on Equity (ROE)11.3188%1,459
Retained earnings to average equity (ytd only)7.4007%1,079
Net charge-offs to loans-0.1102%5,616
Credit loss provision to net charge-offs42.7273%3,468
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8230%1,876
Assets per employee ($millions)3.9018%4,138
Cash dividends to net income (ytd only)*34.6154%3,138
Condition Ratios (%)
Loss allowance to loans1.6503%1,254
Loan loss allowance to noncurrent loans89.3333%3,838
Noncurrent assets plus other real estate owned to assets1.6574%944
Noncurrent loans to loans1.8473%1,021
Net loans and leases to total assets66.0634%3,067
Net loans and leases to deposits74.6801%3,451
Net loans and leases to core deposits77.2259%3,632
Total domestic deposits to total assets88.4618%1,396
Equity capital to assets8.8157%4,997
Core capital (leverage) ratio9.1095%4,604
Tier 1 risk-based capital ratio13.6283%3,692
Total risk-based capital ratio14.8835%3,589
Memoranda:
Average total assets$302,733,0002,151
Average earning assets$278,184,6002,165
Average equity$28,713,4002,472
Average total loans$199,711,2002,125
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2183%2,450
Cost of funding earning assets0.5036%2,072
Net interest margin3.7147%2,665
Noninterest income to average assets0.9826%1,183
Noninterest expense to average assets3.3638%1,425
Loan and lease loss provision to assets0.1394%1,684
Net operating income to assets0.8964%2,923
Return on assets (ROA)1.0517%2,318
Pretax return on assets1.0517%3,423
Return on Equity (ROE)10.8915%1,709
Retained earnings to average equity (ytd only)6.7677%1,745
Net charge-offs to loans0.1354%1,621
Credit loss provision to net charge-offs156.7164%1,725
Earnings coverage of net charge-offs (x)11.6469%2,465
Efficiency ratio76.4582%1,909
Assets per employee ($millions)4.0627%3,852
Cash dividends to net income (ytd only)*37.8629%2,444
Condition Ratios (%)
Loss allowance to loans1.7157%1,182
Loan loss allowance to noncurrent loans112.4505%3,373
Noncurrent assets plus other real estate owned to assets1.4155%1,305
Noncurrent loans to loans1.5257%1,419
Net loans and leases to total assets64.0161%3,400
Net loans and leases to deposits74.7932%3,522
Net loans and leases to core deposits76.8861%3,762
Total domestic deposits to total assets85.5907%2,560
Equity capital to assets9.7863%4,373
Core capital (leverage) ratio9.1772%4,623
Tier 1 risk-based capital ratio13.7788%3,682
Total risk-based capital ratio15.0346%3,609
Memoranda:
Average total assets$301,355,0002,169
Average earning assets$277,200,0002,179
Average equity$29,098,2502,451
Average total loans$197,875,5002,138
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2434%2,353
Cost of funding earning assets0.5060%2,054
Net interest margin3.7374%2,563
Noninterest income to average assets0.9732%1,192
Noninterest expense to average assets3.3720%1,429
Loan and lease loss provision to assets0.1399%1,622
Net operating income to assets0.9006%2,863
Return on assets (ROA)1.1344%1,943
Pretax return on assets1.1344%3,063
Return on Equity (ROE)11.8026%1,385
Retained earnings to average equity (ytd only)7.4711%1,400
Net charge-offs to loans0.1275%1,568
Credit loss provision to net charge-offs166.6667%1,481
Earnings coverage of net charge-offs (x)12.3968%2,186
Efficiency ratio76.4191%2,022
Assets per employee ($millions)4.0037%3,891
Cash dividends to net income (ytd only)*36.6999%2,568
Condition Ratios (%)
Loss allowance to loans1.7262%1,220
Loan loss allowance to noncurrent loans106.0654%3,587
Noncurrent assets plus other real estate owned to assets1.4749%1,308
Noncurrent loans to loans1.6275%1,312
Net loans and leases to total assets63.1462%3,481
Net loans and leases to deposits73.4652%3,658
Net loans and leases to core deposits75.6629%3,849
Total domestic deposits to total assets85.9539%2,441
Equity capital to assets9.8270%4,413
Core capital (leverage) ratio9.1381%4,679
Tier 1 risk-based capital ratio13.7816%3,732
Total risk-based capital ratio15.0373%3,645
Memoranda:
Average total assets$300,240,0002,181
Average earning assets$276,285,3302,192
Average equity$28,858,0002,464
Average total loans$197,680,0002,146
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2570%2,279
Cost of funding earning assets0.5145%1,988
Net interest margin3.7426%2,513
Noninterest income to average assets0.9738%1,140
Noninterest expense to average assets3.3680%1,447
Loan and lease loss provision to assets0.1408%1,496
Net operating income to assets0.9094%2,704
Return on assets (ROA)1.3574%1,187
Pretax return on assets1.3574%2,060
Return on Equity (ROE)14.2857%785
Retained earnings to average equity (ytd only)5.8159%2,462
Net charge-offs to loans0.0423%2,158
Credit loss provision to net charge-offs500.0000%597
Earnings coverage of net charge-offs (x)37.2857%1,056
Efficiency ratio76.2295%2,148
Assets per employee ($millions)3.9090%4,107
Cash dividends to net income (ytd only)*59.2885%1,465
Condition Ratios (%)
Loss allowance to loans1.6920%1,382
Loan loss allowance to noncurrent loans82.8221%4,024
Noncurrent assets plus other real estate owned to assets1.8210%1,012
Noncurrent loans to loans2.0430%1,038
Net loans and leases to total assets65.1476%3,088
Net loans and leases to deposits72.7556%3,576
Net loans and leases to core deposits74.9177%3,798
Total domestic deposits to total assets89.5430%818
Equity capital to assets9.4882%4,676
Core capital (leverage) ratio8.8573%5,017
Tier 1 risk-based capital ratio13.1246%4,178
Total risk-based capital ratio14.3799%4,099
Memoranda:
Average total assets$298,218,5002,200
Average earning assets$274,462,5002,214
Average equity$28,336,0002,502
Average total loans$198,761,0002,139
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2636%2,338
Cost of funding earning assets0.5470%1,793
Net interest margin3.7167%2,688
Noninterest income to average assets0.9793%1,235
Noninterest expense to average assets3.4043%1,478
Loan and lease loss provision to assets0.0628%3,043
Net operating income to assets0.9141%2,793
Return on assets (ROA)0.9092%2,899
Pretax return on assets0.9092%3,799
Return on Equity (ROE)9.6932%2,136
Retained earnings to average equity (ytd only)6.1437%1,723
Net charge-offs to loans-0.0011%4,839
Credit loss provision to net charge-offs-9,000.0000%5,753
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7035%2,011
Assets per employee ($millions)3.7398%4,398
Cash dividends to net income (ytd only)*36.6181%3,022
Condition Ratios (%)
Loss allowance to loans1.6617%1,448
Loan loss allowance to noncurrent loans105.3457%3,565
Noncurrent assets plus other real estate owned to assets1.5333%1,310
Noncurrent loans to loans1.5773%1,457
Net loans and leases to total assets65.9233%2,990
Net loans and leases to deposits74.1629%3,473
Net loans and leases to core deposits76.5968%3,702
Total domestic deposits to total assets88.8899%1,181
Equity capital to assets9.5156%4,535
Core capital (leverage) ratio8.9915%4,895
Tier 1 risk-based capital ratio13.0896%4,251
Total risk-based capital ratio14.3448%4,164
Memoranda:
Average total assets$286,842,0002,224
Average earning assets$262,546,6002,249
Average equity$26,905,4002,558
Average total loans$187,702,8002,177
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2644%2,351
Cost of funding earning assets0.5592%1,722
Net interest margin3.7052%2,748
Noninterest income to average assets0.9699%1,262
Noninterest expense to average assets3.3589%1,564
Loan and lease loss provision to assets0.0688%2,797
Net operating income to assets0.9310%2,800
Return on assets (ROA)0.9235%2,928
Pretax return on assets0.9235%3,904
Return on Equity (ROE)9.8832%2,147
Retained earnings to average equity (ytd only)6.3499%2,042
Net charge-offs to loans-0.0094%4,968
Credit loss provision to net charge-offs-1,130.7692%5,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0603%2,080
Assets per employee ($millions)3.6216%4,571
Cash dividends to net income (ytd only)*35.7506%2,525
Condition Ratios (%)
Loss allowance to loans1.7071%1,453
Loan loss allowance to noncurrent loans81.3994%4,129
Noncurrent assets plus other real estate owned to assets1.8969%1,102
Noncurrent loans to loans2.0972%1,080
Net loans and leases to total assets64.9644%3,161
Net loans and leases to deposits72.5597%3,698
Net loans and leases to core deposits74.7372%3,933
Total domestic deposits to total assets89.5324%758
Equity capital to assets9.4208%4,856
Core capital (leverage) ratio9.0151%4,976
Tier 1 risk-based capital ratio13.2446%4,293
Total risk-based capital ratio14.5001%4,207
Memoranda:
Average total assets$284,692,0002,256
Average earning assets$260,382,0002,282
Average equity$26,603,5002,596
Average total loans$185,114,5002,207
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2334%2,416
Cost of funding earning assets0.5681%1,658
Net interest margin3.6653%2,856
Noninterest income to average assets0.9293%1,356
Noninterest expense to average assets3.3115%1,666
Loan and lease loss provision to assets0.0579%2,945
Net operating income to assets0.9067%2,839
Return on assets (ROA)0.9067%2,965
Pretax return on assets0.9067%3,934
Return on Equity (ROE)9.7296%2,193
Retained earnings to average equity (ytd only)6.6052%1,898
Net charge-offs to loans-0.0055%4,764
Credit loss provision to net charge-offs-1,640.0000%5,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4417%2,144
Assets per employee ($millions)3.5031%4,782
Cash dividends to net income (ytd only)*32.1122%2,735
Condition Ratios (%)
Loss allowance to loans1.6795%1,660
Loan loss allowance to noncurrent loans77.0306%4,293
Noncurrent assets plus other real estate owned to assets1.9838%1,117
Noncurrent loans to loans2.1802%1,101
Net loans and leases to total assets65.9393%2,960
Net loans and leases to deposits73.9083%3,501
Net loans and leases to core deposits76.1827%3,750
Total domestic deposits to total assets89.2177%1,042
Equity capital to assets9.3050%4,893
Core capital (leverage) ratio8.9497%5,032
Tier 1 risk-based capital ratio13.3414%4,319
Total risk-based capital ratio14.5968%4,243
Memoranda:
Average total assets$283,012,3302,282
Average earning assets$258,422,6702,307
Average equity$26,373,0002,625
Average total loans$182,989,0002,240
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1874%2,510
Cost of funding earning assets0.5776%1,599
Net interest margin3.6098%2,966
Noninterest income to average assets0.8958%1,395
Noninterest expense to average assets3.3243%1,660
Loan and lease loss provision to assets0.0849%2,275
Net operating income to assets0.7770%3,381
Return on assets (ROA)0.7770%3,514
Pretax return on assets0.7770%4,324
Return on Equity (ROE)8.3314%2,794
Retained earnings to average equity (ytd only)4.8866%3,119
Net charge-offs to loans0.0736%1,974
Credit loss provision to net charge-offs181.8182%1,115
Earnings coverage of net charge-offs (x)18.4545%1,489
Efficiency ratio79.4118%1,969
Assets per employee ($millions)3.5551%4,803
Cash dividends to net income (ytd only)*41.3479%2,004
Condition Ratios (%)
Loss allowance to loans1.7319%1,663
Loan loss allowance to noncurrent loans58.0741%4,784
Noncurrent assets plus other real estate owned to assets2.4564%880
Noncurrent loans to loans2.9822%729
Net loans and leases to total assets62.5661%3,281
Net loans and leases to deposits69.7042%3,784
Net loans and leases to core deposits71.7368%3,994
Total domestic deposits to total assets89.7593%868
Equity capital to assets9.3894%4,868
Core capital (leverage) ratio8.7345%5,287
Tier 1 risk-based capital ratio13.4114%4,369
Total risk-based capital ratio14.6666%4,286
Memoranda:
Average total assets$282,642,5002,301
Average earning assets$257,633,0002,327
Average equity$26,358,0002,640
Average total loans$179,333,5002,280
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4179%2,169
Cost of funding earning assets0.6164%1,630
Net interest margin3.8016%2,618
Noninterest income to average assets0.9174%1,449
Noninterest expense to average assets3.5446%1,396
Loan and lease loss provision to assets0.1102%2,330
Net operating income to assets0.7058%3,861
Return on assets (ROA)0.7614%3,664
Pretax return on assets0.7614%4,398
Return on Equity (ROE)8.4387%2,886
Retained earnings to average equity (ytd only)5.0510%2,568
Net charge-offs to loans0.0252%4,328
Credit loss provision to net charge-offs684.0909%387
Earnings coverage of net charge-offs (x)50.6591%918
Efficiency ratio81.2878%1,736
Assets per employee ($millions)3.3438%5,184
Cash dividends to net income (ytd only)*40.1442%2,841
Condition Ratios (%)
Loss allowance to loans1.7507%1,654
Loan loss allowance to noncurrent loans56.9101%4,891
Noncurrent assets plus other real estate owned to assets2.5096%921
Noncurrent loans to loans3.0762%724
Net loans and leases to total assets62.1194%3,483
Net loans and leases to deposits69.1531%4,015
Net loans and leases to core deposits71.2615%4,192
Total domestic deposits to total assets89.8288%810
Equity capital to assets9.2609%4,994
Core capital (leverage) ratio8.7356%5,314
Tier 1 risk-based capital ratio13.4644%4,435
Total risk-based capital ratio14.7129%4,374
Memoranda:
Average total assets$273,173,6002,334
Average earning assets$247,423,2002,368
Average equity$24,648,4002,702
Average total loans$174,947,8002,281
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4426%2,073
Cost of funding earning assets0.6194%1,677
Net interest margin3.8232%2,531
Noninterest income to average assets0.9275%1,426
Noninterest expense to average assets3.5293%1,413
Loan and lease loss provision to assets0.1140%2,148
Net operating income to assets0.7432%3,706
Return on assets (ROA)0.7830%3,606
Pretax return on assets0.7830%4,423
Return on Equity (ROE)8.7378%2,817
Retained earnings to average equity (ytd only)5.3425%2,854
Net charge-offs to loans0.0092%4,407
Credit loss provision to net charge-offs1,933.3333%185
Earnings coverage of net charge-offs (x)145.3300%425
Efficiency ratio80.4572%1,851
Assets per employee ($millions)3.5207%4,827
Cash dividends to net income (ytd only)*38.8573%2,403
Condition Ratios (%)
Loss allowance to loans1.7538%1,811
Loan loss allowance to noncurrent loans56.6894%4,892
Noncurrent assets plus other real estate owned to assets2.5387%1,028
Noncurrent loans to loans3.0938%844
Net loans and leases to total assets61.8705%3,506
Net loans and leases to deposits68.8677%4,033
Net loans and leases to core deposits71.0559%4,242
Total domestic deposits to total assets89.8396%807
Equity capital to assets9.2360%5,104
Core capital (leverage) ratio8.8399%5,282
Tier 1 risk-based capital ratio13.3274%4,659
Total risk-based capital ratio14.5238%4,621
Memoranda:
Average total assets$271,247,0002,366
Average earning assets$245,408,2502,398
Average equity$24,307,5002,734
Average total loans$174,287,2502,300
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4952%1,844
Cost of funding earning assets0.6234%1,700
Net interest margin3.8718%2,289
Noninterest income to average assets0.9184%1,431
Noninterest expense to average assets3.5769%1,337
Loan and lease loss provision to assets0.1316%1,881
Net operating income to assets0.7012%3,835
Return on assets (ROA)0.7117%3,871
Pretax return on assets0.7117%4,601
Return on Equity (ROE)8.0262%3,075
Retained earnings to average equity (ytd only)5.1914%2,837
Net charge-offs to loans0.0034%4,269
Credit loss provision to net charge-offs5,900.0000%60
Earnings coverage of net charge-offs (x)373.3333%186
Efficiency ratio81.1130%1,862
Assets per employee ($millions)3.3596%5,137
Cash dividends to net income (ytd only)*35.3187%2,591
Condition Ratios (%)
Loss allowance to loans1.7603%1,952
Loan loss allowance to noncurrent loans50.7378%5,142
Noncurrent assets plus other real estate owned to assets2.7961%934
Noncurrent loans to loans3.4694%768
Net loans and leases to total assets62.0585%3,393
Net loans and leases to deposits69.0996%3,927
Net loans and leases to core deposits71.3405%4,117
Total domestic deposits to total assets89.8103%900
Equity capital to assets9.1421%5,164
Core capital (leverage) ratio8.8022%5,271
Tier 1 risk-based capital ratio13.3393%4,695
Total risk-based capital ratio14.4807%4,702
Memoranda:
Average total assets$268,949,6702,381
Average earning assets$242,524,0002,417
Average equity$23,847,0002,765
Average total loans$173,997,0002,305
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5517%1,636
Cost of funding earning assets0.6258%1,762
Net interest margin3.9259%1,992
Noninterest income to average assets0.9470%1,266
Noninterest expense to average assets3.5667%1,366
Loan and lease loss provision to assets0.1825%1,311
Net operating income to assets0.7361%3,507
Return on assets (ROA)0.7510%3,495
Pretax return on assets0.7510%4,307
Return on Equity (ROE)8.6064%2,638
Retained earnings to average equity (ytd only)5.8119%2,641
Net charge-offs to loans0.1348%1,902
Credit loss provision to net charge-offs206.7797%1,012
Earnings coverage of net charge-offs (x)10.4068%1,862
Efficiency ratio79.5197%2,273
Assets per employee ($millions)3.4055%5,144
Cash dividends to net income (ytd only)*32.4701%2,224
Condition Ratios (%)
Loss allowance to loans1.6674%2,449
Loan loss allowance to noncurrent loans58.7465%4,891
Noncurrent assets plus other real estate owned to assets2.8193%1,053
Noncurrent loans to loans2.8383%1,160
Net loans and leases to total assets63.8984%2,905
Net loans and leases to deposits70.8220%3,497
Net loans and leases to core deposits73.1279%3,751
Total domestic deposits to total assets90.2239%949
Equity capital to assets8.8929%5,234
Core capital (leverage) ratio8.8270%5,234
Tier 1 risk-based capital ratio12.9955%5,004
Total risk-based capital ratio14.2427%4,936
Memoranda:
Average total assets$267,361,0002,400
Average earning assets$240,965,5002,431
Average equity$23,331,5002,812
Average total loans$175,043,5002,283
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7179%1,525
Cost of funding earning assets0.6700%2,039
Net interest margin4.0480%1,812
Noninterest income to average assets1.1105%1,138
Noninterest expense to average assets3.4997%1,650
Loan and lease loss provision to assets0.4429%663
Net operating income to assets0.8415%3,082
Return on assets (ROA)0.8824%2,955
Pretax return on assets0.8824%3,835
Return on Equity (ROE)10.0894%2,078
Retained earnings to average equity (ytd only)0.1311%5,793
Net charge-offs to loans0.5617%1,169
Credit loss provision to net charge-offs118.8718%2,014
Earnings coverage of net charge-offs (x)3.4472%3,850
Efficiency ratio73.1528%3,266
Assets per employee ($millions)3.3211%5,241
Cash dividends to net income (ytd only)*98.7007%431
Condition Ratios (%)
Loss allowance to loans1.6273%2,656
Loan loss allowance to noncurrent loans70.3850%4,467
Noncurrent assets plus other real estate owned to assets1.9297%1,872
Noncurrent loans to loans2.3120%1,665
Net loans and leases to total assets64.8925%2,891
Net loans and leases to deposits71.6213%3,575
Net loans and leases to core deposits74.0836%3,830
Total domestic deposits to total assets90.6051%744
Equity capital to assets8.5582%5,518
Core capital (leverage) ratio8.6920%5,423
Tier 1 risk-based capital ratio12.9524%5,007
Total risk-based capital ratio14.2058%4,962
Memoranda:
Average total assets$261,679,0002,420
Average earning assets$237,477,8002,446
Average equity$22,885,4002,835
Average total loans$173,583,4002,262
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7204%1,547
Cost of funding earning assets0.6778%2,111
Net interest margin4.0426%1,811
Noninterest income to average assets0.9672%1,552
Noninterest expense to average assets3.4821%1,647
Loan and lease loss provision to assets0.5243%517
Net operating income to assets0.6276%4,228
Return on assets (ROA)0.6726%4,145
Pretax return on assets0.6726%4,782
Return on Equity (ROE)7.6489%3,310
Retained earnings to average equity (ytd only)-4.6882%6,478
Net charge-offs to loans0.6922%868
Credit loss provision to net charge-offs114.0156%2,063
Earnings coverage of net charge-offs (x)2.5050%3,998
Efficiency ratio75.1435%2,883
Assets per employee ($millions)3.2908%5,300
Cash dividends to net income (ytd only)*161.2928%116
Condition Ratios (%)
Loss allowance to loans1.5739%3,126
Loan loss allowance to noncurrent loans114.2273%3,150
Noncurrent assets plus other real estate owned to assets1.3776%2,897
Noncurrent loans to loans1.3779%3,110
Net loans and leases to total assets65.5482%2,713
Net loans and leases to deposits72.1655%3,493
Net loans and leases to core deposits74.1882%3,820
Total domestic deposits to total assets90.8304%601
Equity capital to assets8.1803%6,023
Core capital (leverage) ratio8.4273%5,833
Tier 1 risk-based capital ratio12.4127%5,510
Total risk-based capital ratio13.6538%5,449
Memoranda:
Average total assets$260,677,0002,451
Average earning assets$236,442,7502,472
Average equity$22,922,2502,858
Average total loans$173,163,5002,275
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7313%1,485
Cost of funding earning assets0.6853%2,177
Net interest margin4.0460%1,708
Noninterest income to average assets0.9385%1,694
Noninterest expense to average assets3.5815%1,445
Loan and lease loss provision to assets0.1438%2,535
Net operating income to assets0.8782%2,922
Return on assets (ROA)0.8782%3,064
Pretax return on assets0.8782%3,990
Return on Equity (ROE)9.7533%2,296
Retained earnings to average equity (ytd only)-5.2372%6,473
Net charge-offs to loans-0.2178%6,689
Credit loss provision to net charge-offs-99.4652%5,618
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8002%2,493
Assets per employee ($millions)3.2362%5,401
Cash dividends to net income (ytd only)*153.6972%192
Condition Ratios (%)
Loss allowance to loans1.7407%2,623
Loan loss allowance to noncurrent loans100.2638%3,451
Noncurrent assets plus other real estate owned to assets1.6430%2,641
Noncurrent loans to loans1.7361%2,717
Net loans and leases to total assets64.6868%2,810
Net loans and leases to deposits71.1727%3,565
Net loans and leases to core deposits71.5844%4,098
Total domestic deposits to total assets90.8871%585
Equity capital to assets8.3035%5,971
Core capital (leverage) ratio8.2763%5,911
Tier 1 risk-based capital ratio12.2760%5,640
Total risk-based capital ratio13.5258%5,584
Memoranda:
Average total assets$258,717,6702,469
Average earning assets$234,353,0002,502
Average equity$23,294,6702,835
Average total loans$171,712,6702,297
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7635%1,369
Cost of funding earning assets0.6812%2,375
Net interest margin4.0822%1,511
Noninterest income to average assets0.9946%1,473
Noninterest expense to average assets3.5929%1,436
Loan and lease loss provision to assets0.2177%1,704
Net operating income to assets0.8818%2,741
Return on assets (ROA)0.8818%2,887
Pretax return on assets0.8818%3,825
Return on Equity (ROE)9.4129%2,312
Retained earnings to average equity (ytd only)-15.1811%6,748
Net charge-offs to loans0.0634%3,187
Credit loss provision to net charge-offs514.8148%515
Earnings coverage of net charge-offs (x)26.0000%1,032
Efficiency ratio76.5688%2,833
Assets per employee ($millions)3.0607%5,891
Cash dividends to net income (ytd only)*261.2789%120
Condition Ratios (%)
Loss allowance to loans1.6132%3,341
Loan loss allowance to noncurrent loans253.1876%1,549
Noncurrent assets plus other real estate owned to assets0.8660%4,220
Noncurrent loans to loans0.6371%4,852
Net loans and leases to total assets66.7425%2,238
Net loans and leases to deposits74.1078%2,905
Net loans and leases to core deposits76.2535%3,286
Total domestic deposits to total assets90.0614%1,006
Equity capital to assets9.1801%5,274
Core capital (leverage) ratio8.4926%5,606
Tier 1 risk-based capital ratio12.2836%5,730
Total risk-based capital ratio13.5378%5,683
Memoranda:
Average total assets$255,391,0002,531
Average earning assets$231,344,0002,561
Average equity$23,924,5002,809
Average total loans$170,218,5002,319
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8517%2,013
Cost of funding earning assets0.7334%3,221
Net interest margin4.1184%1,930
Noninterest income to average assets1.0773%1,343
Noninterest expense to average assets3.6776%1,461
Loan and lease loss provision to assets0.0423%5,326
Net operating income to assets1.0793%2,010
Return on assets (ROA)1.3505%1,322
Pretax return on assets1.3505%2,209
Return on Equity (ROE)14.3485%923
Retained earnings to average equity (ytd only)9.6398%669
Net charge-offs to loans-0.2776%6,968
Credit loss provision to net charge-offs-24.5327%6,241
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6286%2,647
Assets per employee ($millions)3.1310%5,780
Cash dividends to net income (ytd only)*32.8162%3,241
Condition Ratios (%)
Loss allowance to loans1.5871%3,376
Loan loss allowance to noncurrent loans536.8209%774
Noncurrent assets plus other real estate owned to assets0.5784%5,034
Noncurrent loans to loans0.2956%5,741
Net loans and leases to total assets64.4368%2,819
Net loans and leases to deposits71.9416%3,421
Net loans and leases to core deposits73.9863%3,783
Total domestic deposits to total assets89.5682%1,210
Equity capital to assets9.5535%4,812
Core capital (leverage) ratio8.8366%5,120
Tier 1 risk-based capital ratio13.0846%5,046
Total risk-based capital ratio14.3456%4,985
Memoranda:
Average total assets$248,207,6002,547
Average earning assets$224,311,4002,574
Average equity$23,361,4002,815
Average total loans$154,203,6002,512
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8392%2,245
Cost of funding earning assets0.7424%3,409
Net interest margin4.0968%2,102
Noninterest income to average assets1.0961%1,250
Noninterest expense to average assets3.6660%1,422
Loan and lease loss provision to assets-0.0265%6,968
Net operating income to assets1.1611%1,866
Return on assets (ROA)1.4467%1,256
Pretax return on assets1.4467%2,091
Return on Equity (ROE)15.4311%829
Retained earnings to average equity (ytd only)10.5186%784
Net charge-offs to loans-0.3512%7,067
Credit loss provision to net charge-offs12.3426%5,052
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3657%2,618
Assets per employee ($millions)3.0151%6,028
Cash dividends to net income (ytd only)*31.8354%2,542
Condition Ratios (%)
Loss allowance to loans1.5560%3,705
Loan loss allowance to noncurrent loans619.2020%639
Noncurrent assets plus other real estate owned to assets0.5540%5,285
Noncurrent loans to loans0.2513%5,985
Net loans and leases to total assets62.0283%3,370
Net loans and leases to deposits69.3057%3,987
Net loans and leases to core deposits71.4271%4,324
Total domestic deposits to total assets89.4995%1,127
Equity capital to assets9.6389%5,011
Core capital (leverage) ratio8.8730%5,235
Tier 1 risk-based capital ratio13.2402%5,066
Total risk-based capital ratio14.4934%5,027
Memoranda:
Average total assets$246,073,7502,593
Average earning assets$222,508,7502,612
Average equity$23,069,7502,870
Average total loans$150,728,2502,593
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8296%2,385
Cost of funding earning assets0.7538%3,576
Net interest margin4.0758%2,184
Noninterest income to average assets1.1146%1,150
Noninterest expense to average assets3.6844%1,408
Loan and lease loss provision to assets0.2421%2,641
Net operating income to assets0.8758%3,014
Return on assets (ROA)1.3222%1,535
Pretax return on assets1.3222%2,471
Return on Equity (ROE)14.2426%1,063
Retained earnings to average equity (ytd only)9.1591%1,217
Net charge-offs to loans0.1110%4,069
Credit loss provision to net charge-offs359.7561%815
Earnings coverage of net charge-offs (x)16.6098%1,583
Efficiency ratio76.7219%2,633
Assets per employee ($millions)3.0635%5,929
Cash dividends to net income (ytd only)*35.6921%2,369
Condition Ratios (%)
Loss allowance to loans1.5273%3,890
Loan loss allowance to noncurrent loans373.8854%970
Noncurrent assets plus other real estate owned to assets0.6569%5,135
Noncurrent loans to loans0.4085%5,718
Net loans and leases to total assets61.0096%3,625
Net loans and leases to deposits67.8275%4,230
Net loans and leases to core deposits67.8275%4,808
Total domestic deposits to total assets89.9481%951
Equity capital to assets9.3406%5,267
Core capital (leverage) ratio8.6085%5,504
Tier 1 risk-based capital ratio13.1718%5,062
Total risk-based capital ratio14.4281%5,031
Memoranda:
Average total assets$243,676,6702,617
Average earning assets$220,473,6702,643
Average equity$22,622,3302,899
Average total loans$147,778,0002,647
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9107%2,197
Cost of funding earning assets0.7617%3,776
Net interest margin4.1490%1,945
Noninterest income to average assets1.2243%956
Noninterest expense to average assets3.5288%1,695
Loan and lease loss provision to assets0.2319%2,627
Net operating income to assets1.2177%1,685
Return on assets (ROA)1.8853%581
Pretax return on assets1.8853%907
Return on Equity (ROE)20.3719%366
Retained earnings to average equity (ytd only)15.2700%429
Net charge-offs to loans0.1878%2,977
Credit loss provision to net charge-offs205.8824%1,311
Earnings coverage of net charge-offs (x)12.8676%1,568
Efficiency ratio70.8819%3,645
Assets per employee ($millions)3.0110%6,130
Cash dividends to net income (ytd only)*25.0439%2,215
Condition Ratios (%)
Loss allowance to loans1.5078%4,116
Loan loss allowance to noncurrent loans424.4231%797
Noncurrent assets plus other real estate owned to assets0.6164%5,350
Noncurrent loans to loans0.3553%5,963
Net loans and leases to total assets58.3904%3,974
Net loans and leases to deposits64.8393%4,503
Net loans and leases to core deposits64.8393%5,029
Total domestic deposits to total assets90.0539%1,059
Equity capital to assets9.2223%5,202
Core capital (leverage) ratio8.8207%5,107
Tier 1 risk-based capital ratio13.5365%4,802
Total risk-based capital ratio14.7887%4,783
Memoranda:
Average total assets$241,443,5002,653
Average earning assets$218,460,0002,669
Average equity$22,344,5002,938
Average total loans$144,797,5002,708
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0679%2,575
Cost of funding earning assets0.9540%3,698
Net interest margin4.1139%2,373
Noninterest income to average assets1.3384%723
Noninterest expense to average assets3.5787%1,785
Loan and lease loss provision to assets0.5439%1,928
Net operating income to assets0.9622%2,349
Return on assets (ROA)1.0605%2,102
Pretax return on assets1.0605%2,998
Return on Equity (ROE)11.2724%1,627
Retained earnings to average equity (ytd only)3.1684%3,959
Net charge-offs to loans0.4910%3,029
Credit loss provision to net charge-offs179.2342%1,458
Earnings coverage of net charge-offs (x)4.9632%2,930
Efficiency ratio70.3814%3,872
Assets per employee ($millions)3.1890%5,733
Cash dividends to net income (ytd only)*71.8921%1,067
Condition Ratios (%)
Loss allowance to loans1.4907%4,070
Loan loss allowance to noncurrent loans561.8421%633
Noncurrent assets plus other real estate owned to assets0.5293%5,646
Noncurrent loans to loans0.2653%6,190
Net loans and leases to total assets59.7860%4,029
Net loans and leases to deposits68.7081%4,329
Net loans and leases to core deposits68.7081%4,944
Total domestic deposits to total assets87.0144%2,755
Equity capital to assets9.2883%5,163
Core capital (leverage) ratio9.0841%4,646
Tier 1 risk-based capital ratio14.0243%4,310
Total risk-based capital ratio15.2767%4,263
Memoranda:
Average total assets$223,767,8002,800
Average earning assets$203,771,8002,805
Average equity$21,051,4003,005
Average total loans$138,296,2002,826
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1238%2,498
Cost of funding earning assets1.0064%3,635
Net interest margin4.1173%2,404
Noninterest income to average assets1.4160%654
Noninterest expense to average assets3.5248%1,874
Loan and lease loss provision to assets0.3171%2,998
Net operating income to assets1.3205%1,323
Return on assets (ROA)1.2819%1,528
Pretax return on assets1.2819%2,355
Return on Equity (ROE)13.5797%1,141
Retained earnings to average equity (ytd only)5.2156%3,049
Net charge-offs to loans0.0506%5,473
Credit loss provision to net charge-offs1,009.6154%259
Earnings coverage of net charge-offs (x)52.1359%627
Efficiency ratio68.2776%4,267
Assets per employee ($millions)2.9691%6,190
Cash dividends to net income (ytd only)*61.5928%1,135
Condition Ratios (%)
Loss allowance to loans1.4873%4,166
Loan loss allowance to noncurrent loans772.3881%446
Noncurrent assets plus other real estate owned to assets0.5188%5,786
Noncurrent loans to loans0.1926%6,482
Net loans and leases to total assets62.4044%3,632
Net loans and leases to deposits70.0306%4,298
Net loans and leases to core deposits71.5543%4,764
Total domestic deposits to total assets89.1101%1,364
Equity capital to assets10.0142%4,323
Core capital (leverage) ratio9.8251%3,678
Tier 1 risk-based capital ratio14.7749%3,790
Total risk-based capital ratio16.0277%3,763
Memoranda:
Average total assets$220,713,5002,834
Average earning assets$200,836,5002,848
Average equity$20,834,5003,033
Average total loans$137,065,0002,880
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1413%2,506
Cost of funding earning assets1.0856%3,348
Net interest margin4.0557%2,591
Noninterest income to average assets1.3617%686
Noninterest expense to average assets3.5477%1,861
Loan and lease loss provision to assets0.3257%2,836
Net operating income to assets1.1762%1,644
Return on assets (ROA)1.3083%1,368
Pretax return on assets1.3083%2,112
Return on Equity (ROE)14.1453%949
Retained earnings to average equity (ytd only)5.1944%2,876
Net charge-offs to loans0.0352%5,361
Credit loss provision to net charge-offs1,500.0000%227
Earnings coverage of net charge-offs (x)69.1667%484
Efficiency ratio70.2562%4,060
Assets per employee ($millions)2.9558%6,178
Cash dividends to net income (ytd only)*63.2780%1,247
Condition Ratios (%)
Loss allowance to loans1.4307%4,439
Loan loss allowance to noncurrent loans675.8741%519
Noncurrent assets plus other real estate owned to assets0.6464%5,618
Noncurrent loans to loans0.2117%6,483
Net loans and leases to total assets60.0759%4,256
Net loans and leases to deposits66.9546%4,856
Net loans and leases to core deposits69.1424%5,169
Total domestic deposits to total assets89.7263%1,109
Equity capital to assets9.5019%4,809
Core capital (leverage) ratio9.0113%4,703
Tier 1 risk-based capital ratio14.5936%3,734
Total risk-based capital ratio15.8443%3,703
Memoranda:
Average total assets$221,045,6702,848
Average earning assets$200,998,6702,861
Average equity$20,445,0003,070
Average total loans$136,359,0002,927
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0524%2,845
Cost of funding earning assets1.2294%2,635
Net interest margin3.8230%3,496
Noninterest income to average assets1.3012%756
Noninterest expense to average assets3.5447%1,890
Loan and lease loss provision to assets0.3534%2,433
Net operating income to assets0.8970%2,576
Return on assets (ROA)0.8970%2,636
Pretax return on assets0.8970%3,507
Return on Equity (ROE)9.8334%2,158
Retained earnings to average equity (ytd only)1.4899%5,218
Net charge-offs to loans0.0146%4,879
Credit loss provision to net charge-offs3,900.0000%91
Earnings coverage of net charge-offs (x)138.0000%230
Efficiency ratio73.9229%3,524
Assets per employee ($millions)2.9518%6,236
Cash dividends to net income (ytd only)*84.8485%760
Condition Ratios (%)
Loss allowance to loans1.2779%5,245
Loan loss allowance to noncurrent loans122.6493%2,376
Noncurrent assets plus other real estate owned to assets0.8340%5,239
Noncurrent loans to loans1.0419%4,970
Net loans and leases to total assets61.5380%3,958
Net loans and leases to deposits68.1813%4,652
Net loans and leases to core deposits71.0766%4,921
Total domestic deposits to total assets90.2564%984
Equity capital to assets9.0713%5,091
Core capital (leverage) ratio9.0014%4,611
Tier 1 risk-based capital ratio13.6088%4,353
Total risk-based capital ratio14.7519%4,393
Memoranda:
Average total assets$220,727,0002,870
Average earning assets$201,726,0002,870
Average equity$20,135,5003,090
Average total loans$136,983,0002,947
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3020%3,122
Cost of funding earning assets1.3453%3,606
Net interest margin3.9568%3,230
Noninterest income to average assets1.2522%946
Noninterest expense to average assets3.6852%1,738
Loan and lease loss provision to assets0.1892%5,341
Net operating income to assets0.9782%2,114
Return on assets (ROA)1.0091%2,120
Pretax return on assets1.0091%2,908
Return on Equity (ROE)10.6803%1,697
Retained earnings to average equity (ytd only)3.7787%3,218
Net charge-offs to loans0.2391%4,852
Credit loss provision to net charge-offs128.0645%3,136
Earnings coverage of net charge-offs (x)7.9000%2,047
Efficiency ratio75.9430%3,064
Assets per employee ($millions)2.7484%6,610
Cash dividends to net income (ytd only)*64.6197%1,441
Condition Ratios (%)
Loss allowance to loans1.1906%5,566
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1907%6,752
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets61.0406%4,481
Net loans and leases to deposits69.5498%4,869
Net loans and leases to core deposits73.7420%5,008
Total domestic deposits to total assets87.7653%2,386
Equity capital to assets9.1751%4,879
Core capital (leverage) ratio9.1419%4,282
Tier 1 risk-based capital ratio14.4654%3,569
Total risk-based capital ratio15.6432%3,571
Memoranda:
Average total assets$209,782,8002,983
Average earning assets$190,888,6002,986
Average equity$19,821,6003,172
Average total loans$129,638,6003,128
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3069%3,321
Cost of funding earning assets1.4143%3,495
Net interest margin3.8926%3,560
Noninterest income to average assets1.2221%927
Noninterest expense to average assets3.6213%1,740
Loan and lease loss provision to assets0.1840%5,203
Net operating income to assets0.9585%2,381
Return on assets (ROA)0.9752%2,435
Pretax return on assets0.9752%3,271
Return on Equity (ROE)10.2439%2,028
Retained earnings to average equity (ytd only)3.5560%3,948
Net charge-offs to loans0.3081%4,113
Credit loss provision to net charge-offs96.6330%4,486
Earnings coverage of net charge-offs (x)6.0000%2,621
Efficiency ratio76.0162%2,946
Assets per employee ($millions)2.6646%6,828
Cash dividends to net income (ytd only)*65.2861%1,054
Condition Ratios (%)
Loss allowance to loans1.1374%5,768
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2393%6,770
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets61.1613%4,687
Net loans and leases to deposits70.2486%5,111
Net loans and leases to core deposits74.7833%5,195
Total domestic deposits to total assets87.0641%2,490
Equity capital to assets9.7619%4,460
Core capital (leverage) ratio9.1929%4,383
Tier 1 risk-based capital ratio14.2746%3,651
Total risk-based capital ratio15.3776%3,721
Memoranda:
Average total assets$207,948,2503,044
Average earning assets$189,208,0003,055
Average equity$19,796,7503,214
Average total loans$128,516,0003,190
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3492%3,220
Cost of funding earning assets1.5129%3,184
Net interest margin3.8363%3,730
Noninterest income to average assets1.2628%808
Noninterest expense to average assets3.7477%1,454
Loan and lease loss provision to assets0.1581%5,310
Net operating income to assets0.8419%2,766
Return on assets (ROA)0.7682%3,261
Pretax return on assets0.7682%3,989
Return on Equity (ROE)8.1401%2,834
Retained earnings to average equity (ytd only)2.3125%4,687
Net charge-offs to loans0.2653%4,015
Credit loss provision to net charge-offs96.4497%4,226
Earnings coverage of net charge-offs (x)6.1006%2,524
Efficiency ratio78.9377%2,583
Assets per employee ($millions)2.6670%6,832
Cash dividends to net income (ytd only)*71.5909%988
Condition Ratios (%)
Loss allowance to loans1.1490%5,693
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2452%6,788
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets62.1991%4,645
Net loans and leases to deposits71.5307%5,067
Net loans and leases to core deposits75.5314%5,246
Total domestic deposits to total assets86.9544%2,551
Equity capital to assets9.8503%4,202
Core capital (leverage) ratio9.2903%4,137
Tier 1 risk-based capital ratio14.4408%3,477
Total risk-based capital ratio15.5821%3,491
Memoranda:
Average total assets$206,209,0003,091
Average earning assets$187,316,6703,099
Average equity$19,459,3303,248
Average total loans$127,396,3303,250
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2565%3,752
Cost of funding earning assets1.7579%2,087
Net interest margin3.4986%5,163
Noninterest income to average assets1.1924%858
Noninterest expense to average assets3.7350%1,446
Loan and lease loss provision to assets0.2202%4,296
Net operating income to assets0.4169%4,766
Return on assets (ROA)0.4169%4,908
Pretax return on assets0.4169%5,241
Return on Equity (ROE)4.5187%4,646
Retained earnings to average equity (ytd only)-1.4358%6,113
Net charge-offs to loans0.4552%2,683
Credit loss provision to net charge-offs79.0210%3,902
Earnings coverage of net charge-offs (x)2.2867%3,394
Efficiency ratio85.4278%1,859
Assets per employee ($millions)2.5170%7,176
Cash dividends to net income (ytd only)*131.7757%380
Condition Ratios (%)
Loss allowance to loans1.1831%5,585
Loan loss allowance to noncurrent loans2,144.9275%176
Noncurrent assets plus other real estate owned to assets0.2104%6,937
Noncurrent loans to loans0.0552%7,264
Net loans and leases to total assets60.6290%5,012
Net loans and leases to deposits69.6800%5,395
Net loans and leases to core deposits72.0373%5,710
Total domestic deposits to total assets87.0106%2,627
Equity capital to assets9.7905%4,125
Core capital (leverage) ratio9.0870%4,402
Tier 1 risk-based capital ratio14.0165%3,644
Total risk-based capital ratio15.1300%3,704
Memoranda:
Average total assets$205,301,5003,153
Average earning assets$186,588,0003,169
Average equity$18,943,5003,329
Average total loans$125,648,0003,354
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6755%3,226
Cost of funding earning assets2.0514%2,716
Net interest margin3.6241%4,454
Noninterest income to average assets1.2266%1,009
Noninterest expense to average assets3.7829%1,733
Loan and lease loss provision to assets0.2890%5,119
Net operating income to assets0.4523%3,918
Return on assets (ROA)1.0126%1,849
Pretax return on assets1.0126%2,550
Return on Equity (ROE)12.0707%1,144
Retained earnings to average equity (ytd only)5.5912%1,530
Net charge-offs to loans0.1807%5,516
Credit loss provision to net charge-offs276.2557%1,241
Earnings coverage of net charge-offs (x)7.0868%2,221
Efficiency ratio83.6149%2,399
Assets per employee ($millions)2.5210%7,175
Cash dividends to net income (ytd only)*53.6792%2,298
Condition Ratios (%)
Loss allowance to loans1.1965%5,387
Loan loss allowance to noncurrent loans762.6263%448
Noncurrent assets plus other real estate owned to assets0.2699%6,778
Noncurrent loans to loans0.1569%7,034
Net loans and leases to total assets60.3201%5,288
Net loans and leases to deposits70.5991%5,525
Net loans and leases to core deposits85.4327%5,581
Total domestic deposits to total assets85.4403%3,325
Equity capital to assets8.6715%5,628
Core capital (leverage) ratio8.1971%5,814
Tier 1 risk-based capital ratio11.8507%5,072
Total risk-based capital ratio12.9226%5,181
Memoranda:
Average total assets$209,365,0003,068
Average earning assets$190,504,6003,090
Average equity$17,563,2003,577
Average total loans$121,217,2003,459
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7358%3,159
Cost of funding earning assets2.2019%2,410
Net interest margin3.5338%4,723
Noninterest income to average assets1.1979%1,076
Noninterest expense to average assets3.7385%1,727
Loan and lease loss provision to assets0.3015%4,563
Net operating income to assets0.3733%4,500
Return on assets (ROA)0.8596%2,643
Pretax return on assets0.8596%3,360
Return on Equity (ROE)10.3322%1,806
Retained earnings to average equity (ytd only)2.6555%3,845
Net charge-offs to loans0.1789%4,960
Credit loss provision to net charge-offs295.0311%1,402
Earnings coverage of net charge-offs (x)6.6025%2,571
Efficiency ratio84.7094%2,221
Assets per employee ($millions)2.5259%7,187
Cash dividends to net income (ytd only)*74.2983%1,127
Condition Ratios (%)
Loss allowance to loans1.1373%5,491
Loan loss allowance to noncurrent loans1,396.1165%269
Noncurrent assets plus other real estate owned to assets0.2320%6,936
Noncurrent loans to loans0.0815%7,285
Net loans and leases to total assets62.6448%5,128
Net loans and leases to deposits74.4661%5,298
Net loans and leases to core deposits88.1794%5,626
Total domestic deposits to total assets84.1253%3,664
Equity capital to assets8.9474%5,562
Core capital (leverage) ratio7.9008%6,502
Tier 1 risk-based capital ratio11.7468%5,204
Total risk-based capital ratio12.8049%5,323
Memoranda:
Average total assets$210,025,7503,087
Average earning assets$191,100,0003,101
Average equity$17,472,5003,619
Average total loans$119,970,2503,509
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7509%3,290
Cost of funding earning assets2.3481%2,166
Net interest margin3.4028%5,154
Noninterest income to average assets1.1802%1,121
Noninterest expense to average assets3.5688%2,147
Loan and lease loss provision to assets0.3278%3,971
Net operating income to assets0.3840%4,570
Return on assets (ROA)0.8449%2,776
Pretax return on assets0.8449%3,523
Return on Equity (ROE)10.4005%1,886
Retained earnings to average equity (ytd only)2.9057%3,711
Net charge-offs to loans0.1952%4,319
Credit loss provision to net charge-offs304.3478%1,526
Earnings coverage of net charge-offs (x)6.6087%2,587
Efficiency ratio83.3698%2,559
Assets per employee ($millions)2.4081%7,415
Cash dividends to net income (ytd only)*72.0621%1,307
Condition Ratios (%)
Loss allowance to loans1.1072%5,551
Loan loss allowance to noncurrent loans5,908.6957%83
Noncurrent assets plus other real estate owned to assets0.2286%6,929
Noncurrent loans to loans0.0187%7,501
Net loans and leases to total assets59.3048%5,791
Net loans and leases to deposits72.2242%5,706
Net loans and leases to core deposits83.6409%6,113
Total domestic deposits to total assets82.1120%4,641
Equity capital to assets8.3362%6,283
Core capital (leverage) ratio7.4107%7,126
Tier 1 risk-based capital ratio11.6659%5,228
Total risk-based capital ratio12.6704%5,384
Memoranda:
Average total assets$213,519,6703,065
Average earning assets$194,543,3303,080
Average equity$17,345,3303,648
Average total loans$117,813,0003,581
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7253%3,669
Cost of funding earning assets2.3992%2,300
Net interest margin3.3260%5,417
Noninterest income to average assets1.1379%1,138
Noninterest expense to average assets3.3312%2,563
Loan and lease loss provision to assets0.5047%2,451
Net operating income to assets0.3451%5,089
Return on assets (ROA)0.9783%2,532
Pretax return on assets0.9783%3,429
Return on Equity (ROE)12.1923%1,603
Retained earnings to average equity (ytd only)5.9474%2,655
Net charge-offs to loans0.2601%3,101
Credit loss provision to net charge-offs366.6667%1,389
Earnings coverage of net charge-offs (x)6.1733%2,531
Efficiency ratio79.6752%2,866
Assets per employee ($millions)2.9000%6,413
Cash dividends to net income (ytd only)*51.2195%1,722
Condition Ratios (%)
Loss allowance to loans1.1294%5,264
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2019%6,921
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets52.5912%6,622
Net loans and leases to deposits62.7259%6,674
Net loans and leases to core deposits70.3500%7,000
Total domestic deposits to total assets83.8429%3,776
Equity capital to assets7.9320%6,915
Core capital (leverage) ratio7.2027%7,477
Tier 1 risk-based capital ratio12.0466%4,927
Total risk-based capital ratio13.0574%5,032
Memoranda:
Average total assets$217,937,0003,014
Average earning assets$199,397,0003,021
Average equity$17,486,5003,640
Average total loans$115,346,0003,666
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1392%4,840
Cost of funding earning assets2.6917%3,196
Net interest margin3.4475%5,473
Noninterest income to average assets1.1977%1,048
Noninterest expense to average assets3.1753%3,427
Loan and lease loss provision to assets0.4005%3,282
Net operating income to assets0.7813%3,517
Return on assets (ROA)1.0197%2,362
Pretax return on assets1.0197%3,315
Return on Equity (ROE)12.7932%1,385
Retained earnings to average equity (ytd only)4.1822%2,521
Net charge-offs to loans0.9654%1,277
Credit loss provision to net charge-offs83.2502%5,837
Earnings coverage of net charge-offs (x)2.4566%4,851
Efficiency ratio72.8754%3,774
Assets per employee ($millions)2.7984%6,560
Cash dividends to net income (ytd only)*67.3095%2,309
Condition Ratios (%)
Loss allowance to loans0.9907%6,141
Loan loss allowance to noncurrent loans653.4884%692
Noncurrent assets plus other real estate owned to assets0.2529%6,563
Noncurrent loans to loans0.1516%6,959
Net loans and leases to total assets52.1330%6,836
Net loans and leases to deposits62.1540%6,933
Net loans and leases to core deposits68.6085%7,263
Total domestic deposits to total assets83.8771%3,383
Equity capital to assets8.1174%6,673
Core capital (leverage) ratio7.3022%7,416
Tier 1 risk-based capital ratio12.2465%4,633
Total risk-based capital ratio13.1286%4,818
Memoranda:
Average total assets$208,486,2003,025
Average earning assets$191,068,4003,024
Average equity$16,618,2003,802
Average total loans$103,891,2003,851