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Colonial Federal Savings 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 assets3.2807%4,455
Cost of funding earning assets1.0324%3,222
Net interest margin2.2484%4,287
Noninterest income to average assets0.2000%3,754
Noninterest expense to average assets2.1623%3,215
Loan and lease loss provision to assets-0.0800%4,490
Net operating income to assets0.1911%4,178
Return on assets (ROA)0.1911%4,192
Pretax return on assets0.2397%4,151
Return on Equity (ROE)1.0700%4,255
Retained earnings to average equity (ytd only)1.0656%3,823
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio92.9906%331
Assets per employee ($millions)12.3751%376
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.9291%3,613
Loan loss allowance to noncurrent loans1,745.7447%600
Noncurrent assets plus other real estate owned to assets0.0262%3,515
Noncurrent loans to loans0.0532%3,338
Net loans and leases to total assets48.7600%3,678
Net loans and leases to deposits65.0154%3,239
Net loans and leases to core deposits71.1609%3,239
Total domestic deposits to total assets74.9900%4,030
Equity capital to assets17.6743%362
Core capital (leverage) ratio18.3152%328
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.3211%203
Memoranda:
Average total assets$352,165,2002,188
Average earning assets$332,730,0002,167
Average equity$63,159,6001,341
Average total loans$177,801,6002,465
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2675%4,465
Cost of funding earning assets0.9137%3,241
Net interest margin2.3538%4,273
Noninterest income to average assets0.2000%3,768
Noninterest expense to average assets2.1227%3,293
Loan and lease loss provision to assets-0.0600%4,495
Net operating income to assets0.3108%4,106
Return on assets (ROA)0.3108%4,110
Pretax return on assets0.3629%4,102
Return on Equity (ROE)1.7300%4,235
Retained earnings to average equity (ytd only)1.7265%3,790
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio87.6256%453
Assets per employee ($millions)11.1613%478
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.9384%3,605
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets50.3100%3,597
Net loans and leases to deposits64.0518%3,263
Net loans and leases to core deposits69.8286%3,214
Total domestic deposits to total assets78.5500%3,759
Equity capital to assets18.3473%333
Core capital (leverage) ratio18.3472%331
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.2795%215
Memoranda:
Average total assets$350,487,0002,197
Average earning assets$331,250,5002,179
Average equity$63,092,2501,339
Average total loans$178,098,2502,466
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2370%4,486
Cost of funding earning assets0.8076%3,185
Net interest margin2.4294%4,280
Noninterest income to average assets0.2000%3,770
Noninterest expense to average assets2.0904%3,367
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.3387%4,103
Return on assets (ROA)0.3387%4,126
Pretax return on assets0.4023%4,115
Return on Equity (ROE)1.8900%4,285
Retained earnings to average equity (ytd only)1.8932%3,745
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio83.8614%603
Assets per employee ($millions)11.2446%478
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.9834%3,495
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets50.4600%3,529
Net loans and leases to deposits64.0786%3,186
Net loans and leases to core deposits70.2425%3,112
Total domestic deposits to total assets78.7500%3,756
Equity capital to assets18.1864%336
Core capital (leverage) ratio18.1771%333
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.8781%209
Memoranda:
Average total assets$351,982,3332,196
Average earning assets$332,840,6672,174
Average equity$62,962,3331,338
Average total loans$178,888,0002,452
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2134%4,483
Cost of funding earning assets0.6408%3,259
Net interest margin2.5727%4,235
Noninterest income to average assets0.1800%3,901
Noninterest expense to average assets2.0369%3,537
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.4920%3,919
Return on assets (ROA)0.4920%3,881
Pretax return on assets0.5813%3,873
Return on Equity (ROE)2.7700%4,213
Retained earnings to average equity (ytd only)2.7731%3,555
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio77.7970%1,021
Assets per employee ($millions)11.3263%477
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.9777%3,608
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets50.3900%3,457
Net loans and leases to deposits62.9357%3,171
Net loans and leases to core deposits69.7340%2,973
Total domestic deposits to total assets80.0700%3,754
Equity capital to assets17.9531%303
Core capital (leverage) ratio17.8946%350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.5916%222
Memoranda:
Average total assets$353,681,5002,219
Average earning assets$334,594,0002,189
Average equity$62,746,0001,353
Average total loans$179,503,0002,457
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9034%4,234
Cost of funding earning assets0.3104%2,789
Net interest margin2.5929%4,188
Noninterest income to average assets0.2000%3,947
Noninterest expense to average assets1.9696%3,665
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.5742%3,937
Return on assets (ROA)0.5761%3,897
Pretax return on assets0.6891%3,869
Return on Equity (ROE)3.4500%4,241
Retained earnings to average equity (ytd only)3.4462%3,577
Net charge-offs to loans0.0006%2,581
Credit loss provision to net charge-offs100.0000%1,554
Earnings coverage of net charge-offs (x)2,486.0000%66
Efficiency ratio74.1338%1,208
Assets per employee ($millions)11.4919%451
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.9689%3,519
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets50.1200%3,496
Net loans and leases to deposits62.2389%3,177
Net loans and leases to core deposits67.8588%3,024
Total domestic deposits to total assets80.5400%3,813
Equity capital to assets17.5316%316
Core capital (leverage) ratio17.4291%361
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.5586%211
Memoranda:
Average total assets$361,757,0002,172
Average earning assets$343,393,4002,139
Average equity$60,472,2001,389
Average total loans$176,166,0002,404
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8187%4,173
Cost of funding earning assets0.2806%2,379
Net interest margin2.5381%4,182
Noninterest income to average assets0.2000%3,989
Noninterest expense to average assets1.8663%3,829
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.6217%3,780
Return on assets (ROA)0.6242%3,724
Pretax return on assets0.7453%3,707
Return on Equity (ROE)3.7800%4,184
Retained earnings to average equity (ytd only)3.7792%3,521
Net charge-offs to loans0.0008%2,303
Credit loss provision to net charge-offs100.0000%1,321
Earnings coverage of net charge-offs (x)2,023.0000%56
Efficiency ratio71.5311%1,585
Assets per employee ($millions)12.0214%383
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.9871%3,548
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets48.5900%3,569
Net loans and leases to deposits60.1338%3,191
Net loans and leases to core deposits64.9647%3,030
Total domestic deposits to total assets80.8100%4,014
Equity capital to assets17.7914%284
Core capital (leverage) ratio17.6881%336
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio34.2821%198
Memoranda:
Average total assets$363,134,2502,179
Average earning assets$344,921,2502,147
Average equity$59,976,2501,421
Average total loans$175,128,5002,420
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7102%4,126
Cost of funding earning assets0.2804%1,900
Net interest margin2.4298%4,189
Noninterest income to average assets0.1791%4,109
Noninterest expense to average assets1.8452%3,846
Loan and lease loss provision to assets0.0005%2,592
Net operating income to assets0.5600%3,733
Return on assets (ROA)0.5638%3,670
Pretax return on assets0.6473%3,722
Return on Equity (ROE)3.5029%4,134
Retained earnings to average equity (ytd only)3.5029%3,276
Net charge-offs to loans0.0011%2,104
Credit loss provision to net charge-offs100.0000%1,271
Earnings coverage of net charge-offs (x)1,171.0000%105
Efficiency ratio74.1444%1,491
Assets per employee ($millions)12.1952%359
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0021%3,583
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets47.1751%3,616
Net loans and leases to deposits57.7541%3,246
Net loans and leases to core deposits62.9366%3,034
Total domestic deposits to total assets81.6827%4,054
Equity capital to assets17.3538%258
Core capital (leverage) ratio17.4182%303
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio34.9429%162
Memoranda:
Average total assets$363,965,3332,185
Average earning assets$345,952,0002,157
Average equity$58,580,6671,462
Average total loans$174,507,3332,428
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6606%4,009
Cost of funding earning assets0.2865%1,765
Net interest margin2.3741%4,116
Noninterest income to average assets0.1675%4,164
Noninterest expense to average assets1.8346%3,857
Loan and lease loss provision to assets0.0011%2,274
Net operating income to assets0.4903%3,738
Return on assets (ROA)0.4903%3,704
Pretax return on assets0.5873%3,671
Return on Equity (ROE)3.1714%4,053
Retained earnings to average equity (ytd only)3.1714%3,202
Net charge-offs to loans0.0023%1,731
Credit loss provision to net charge-offs100.0000%1,010
Earnings coverage of net charge-offs (x)534.0000%194
Efficiency ratio75.7162%1,562
Assets per employee ($millions)13.0075%314
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0011%3,727
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets47.4332%3,444
Net loans and leases to deposits58.3773%3,043
Net loans and leases to core deposits63.8625%2,806
Total domestic deposits to total assets81.2529%4,175
Equity capital to assets17.2735%256
Core capital (leverage) ratio17.3790%276
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio34.9558%159
Memoranda:
Average total assets$363,020,0002,191
Average earning assets$344,883,5002,167
Average equity$56,126,0001,569
Average total loans$174,591,0002,421
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8023%4,206
Cost of funding earning assets0.3976%1,561
Net interest margin2.4047%4,319
Noninterest income to average assets0.1926%4,205
Noninterest expense to average assets1.9346%3,849
Loan and lease loss provision to assets0.0160%2,756
Net operating income to assets0.4271%4,229
Return on assets (ROA)0.4386%4,248
Pretax return on assets0.5360%4,200
Return on Equity (ROE)3.0940%4,346
Retained earnings to average equity (ytd only)3.0940%3,594
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2393%929
Assets per employee ($millions)12.4769%355
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.0001%3,753
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets47.7936%3,513
Net loans and leases to deposits55.9267%3,426
Net loans and leases to core deposits61.2095%3,228
Total domestic deposits to total assets85.4575%3,106
Equity capital to assets13.6363%732
Core capital (leverage) ratio14.4233%554
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.2949%256
Memoranda:
Average total assets$342,701,2002,230
Average earning assets$324,948,0002,209
Average equity$48,577,6001,805
Average total loans$175,659,2002,420
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8475%4,240
Cost of funding earning assets0.4308%1,478
Net interest margin2.4167%4,383
Noninterest income to average assets0.1969%4,213
Noninterest expense to average assets1.8690%4,010
Loan and lease loss provision to assets0.0178%2,652
Net operating income to assets0.4854%4,235
Return on assets (ROA)0.5007%4,246
Pretax return on assets0.6199%4,206
Return on Equity (ROE)3.4967%4,387
Retained earnings to average equity (ytd only)3.4967%3,742
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1308%1,112
Assets per employee ($millions)11.6096%419
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0049%3,826
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets50.8254%3,312
Net loans and leases to deposits60.2910%3,206
Net loans and leases to core deposits66.4275%2,914
Total domestic deposits to total assets84.3001%3,369
Equity capital to assets14.5857%622
Core capital (leverage) ratio14.5538%549
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.1158%253
Memoranda:
Average total assets$337,919,2502,274
Average earning assets$320,321,5002,252
Average equity$48,387,0001,831
Average total loans$175,904,5002,452
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8549%4,280
Cost of funding earning assets0.4722%1,367
Net interest margin2.3827%4,437
Noninterest income to average assets0.1720%4,348
Noninterest expense to average assets1.8242%4,132
Loan and lease loss provision to assets0.0177%2,605
Net operating income to assets0.5001%4,217
Return on assets (ROA)0.5001%4,263
Pretax return on assets0.5911%4,246
Return on Equity (ROE)3.5142%4,408
Retained earnings to average equity (ytd only)3.5142%3,681
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9757%1,164
Assets per employee ($millions)10.9281%467
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9775%3,894
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets51.4916%3,395
Net loans and leases to deposits60.9380%3,307
Net loans and leases to core deposits66.9828%3,037
Total domestic deposits to total assets84.4983%3,283
Equity capital to assets14.3422%650
Core capital (leverage) ratio14.3796%563
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.6507%258
Memoranda:
Average total assets$338,333,0002,268
Average earning assets$321,058,6672,237
Average equity$48,147,0001,824
Average total loans$176,921,0002,458
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8928%4,267
Cost of funding earning assets0.5673%1,017
Net interest margin2.3255%4,496
Noninterest income to average assets0.1715%4,336
Noninterest expense to average assets1.8065%4,208
Loan and lease loss provision to assets0.0177%2,549
Net operating income to assets0.4744%4,227
Return on assets (ROA)0.4744%4,262
Pretax return on assets0.5537%4,265
Return on Equity (ROE)3.3468%4,404
Retained earnings to average equity (ytd only)3.3468%3,675
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9701%1,145
Assets per employee ($millions)11.3395%404
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9805%3,916
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets50.6732%3,567
Net loans and leases to deposits60.2824%3,460
Net loans and leases to core deposits66.7494%3,176
Total domestic deposits to total assets84.0596%3,414
Equity capital to assets14.1455%638
Core capital (leverage) ratio14.3979%583
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.1055%232
Memoranda:
Average total assets$338,114,5002,246
Average earning assets$320,792,0002,219
Average equity$47,927,0001,825
Average total loans$177,301,5002,455
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2347%4,412
Cost of funding earning assets0.8775%920
Net interest margin2.3572%4,686
Noninterest income to average assets0.1936%4,315
Noninterest expense to average assets1.9054%4,315
Loan and lease loss provision to assets0.0244%4,093
Net operating income to assets0.4376%4,169
Return on assets (ROA)0.4376%4,250
Pretax return on assets0.4944%4,281
Return on Equity (ROE)3.0436%4,367
Retained earnings to average equity (ytd only)3.0436%3,327
Net charge-offs to loans-0.0011%3,948
Credit loss provision to net charge-offs-4,000.0000%4,293
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.5966%989
Assets per employee ($millions)11.5877%353
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.9373%4,082
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets53.2137%3,562
Net loans and leases to deposits63.1292%3,510
Net loans and leases to core deposits71.1060%3,166
Total domestic deposits to total assets84.2934%3,017
Equity capital to assets14.2044%749
Core capital (leverage) ratio14.2746%641
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.9436%234
Memoranda:
Average total assets$327,444,2002,150
Average earning assets$309,863,0002,119
Average equity$47,082,6001,787
Average total loans$187,546,0002,346
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2856%4,489
Cost of funding earning assets0.9060%1,051
Net interest margin2.3796%4,741
Noninterest income to average assets0.1951%4,305
Noninterest expense to average assets1.8391%4,427
Loan and lease loss provision to assets0.0267%4,000
Net operating income to assets0.4996%4,037
Return on assets (ROA)0.4996%4,123
Pretax return on assets0.5804%4,136
Return on Equity (ROE)3.4640%4,300
Retained earnings to average equity (ytd only)3.4640%3,325
Net charge-offs to loans-0.0014%3,846
Credit loss provision to net charge-offs-3,250.0000%4,168
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1843%1,280
Assets per employee ($millions)11.9105%328
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9030%4,063
Loan loss allowance to noncurrent loans167,700.0000%6
Noncurrent assets plus other real estate owned to assets0.0003%4,541
Noncurrent loans to loans0.0005%4,472
Net loans and leases to total assets55.1874%3,693
Net loans and leases to deposits65.6826%3,644
Net loans and leases to core deposits73.8903%3,326
Total domestic deposits to total assets84.0213%2,815
Equity capital to assets14.2492%797
Core capital (leverage) ratio14.3128%652
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$325,294,5002,141
Average earning assets$307,721,0002,114
Average equity$46,920,0001,782
Average total loans$189,304,2502,326
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3698%4,573
Cost of funding earning assets0.9188%1,283
Net interest margin2.4509%4,762
Noninterest income to average assets0.1724%4,429
Noninterest expense to average assets1.8502%4,482
Loan and lease loss provision to assets0.0310%3,873
Net operating income to assets0.5202%3,955
Return on assets (ROA)0.5202%4,043
Pretax return on assets0.6083%4,045
Return on Equity (ROE)3.5916%4,221
Retained earnings to average equity (ytd only)3.5916%3,129
Net charge-offs to loans-0.0021%3,829
Credit loss provision to net charge-offs-2,500.0000%3,942
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3213%1,433
Assets per employee ($millions)11.4772%352
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8817%4,073
Loan loss allowance to noncurrent loans33,240.0000%27
Noncurrent assets plus other real estate owned to assets0.0015%4,593
Noncurrent loans to loans0.0027%4,516
Net loans and leases to total assets56.1363%3,672
Net loans and leases to deposits66.9393%3,645
Net loans and leases to core deposits74.5440%3,417
Total domestic deposits to total assets83.8615%2,795
Equity capital to assets14.1630%821
Core capital (leverage) ratio14.5191%646
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.0541%263
Memoranda:
Average total assets$322,561,6672,135
Average earning assets$304,947,3332,105
Average equity$46,720,0001,774
Average total loans$190,498,0002,298
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4889%4,639
Cost of funding earning assets0.9383%1,700
Net interest margin2.5506%4,788
Noninterest income to average assets0.1852%4,438
Noninterest expense to average assets1.9280%4,514
Loan and lease loss provision to assets0.0441%3,228
Net operating income to assets0.5293%3,817
Return on assets (ROA)0.5293%3,876
Pretax return on assets0.6213%3,886
Return on Equity (ROE)3.6121%4,065
Retained earnings to average equity (ytd only)3.6121%2,841
Net charge-offs to loans-0.0042%3,805
Credit loss provision to net charge-offs-1,750.0000%3,685
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3440%1,769
Assets per employee ($millions)10.2975%354
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.8566%4,260
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets59.7172%3,529
Net loans and leases to deposits71.9649%3,431
Net loans and leases to core deposits80.5066%3,153
Total domestic deposits to total assets82.9811%3,122
Equity capital to assets14.6353%849
Core capital (leverage) ratio14.7328%735
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.6353%294
Memoranda:
Average total assets$317,423,5002,109
Average earning assets$299,693,5002,077
Average equity$46,510,0001,775
Average total loans$191,494,5002,244
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5380%4,828
Cost of funding earning assets0.8267%2,545
Net interest margin2.7113%4,834
Noninterest income to average assets0.2223%4,336
Noninterest expense to average assets2.0567%4,436
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.6243%4,088
Return on assets (ROA)0.6252%4,150
Pretax return on assets0.7278%4,143
Return on Equity (ROE)4.2251%4,409
Retained earnings to average equity (ytd only)4.2251%2,844
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8876%1,617
Assets per employee ($millions)9.8633%373
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.8442%4,171
Loan loss allowance to noncurrent loans10,733.3333%77
Noncurrent assets plus other real estate owned to assets0.0048%4,664
Noncurrent loans to loans0.0079%4,563
Net loans and leases to total assets59.9133%3,592
Net loans and leases to deposits72.5229%3,473
Net loans and leases to core deposits80.6257%3,244
Total domestic deposits to total assets82.6130%3,327
Equity capital to assets14.6696%874
Core capital (leverage) ratio14.7854%730
Tier 1 risk-based capital ratio28.6180%531
Total risk-based capital ratio29.6133%529
Memoranda:
Average total assets$306,800,6002,126
Average earning assets$289,826,8002,089
Average equity$45,395,8001,748
Average total loans$181,938,6002,298
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5360%4,932
Cost of funding earning assets0.8018%2,709
Net interest margin2.7342%4,913
Noninterest income to average assets0.2276%4,375
Noninterest expense to average assets1.9908%4,574
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.6948%4,031
Return on assets (ROA)0.6956%4,085
Pretax return on assets0.8216%4,069
Return on Equity (ROE)4.6904%4,426
Retained earnings to average equity (ytd only)4.6904%3,062
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8080%2,000
Assets per employee ($millions)10.0289%351
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8859%4,106
Loan loss allowance to noncurrent loans161,000.0000%9
Noncurrent assets plus other real estate owned to assets0.0003%4,786
Noncurrent loans to loans0.0006%4,701
Net loans and leases to total assets57.9408%3,882
Net loans and leases to deposits70.5891%3,724
Net loans and leases to core deposits78.0816%3,543
Total domestic deposits to total assets82.0817%3,454
Equity capital to assets14.7873%910
Core capital (leverage) ratio14.8962%760
Tier 1 risk-based capital ratio29.3224%504
Total risk-based capital ratio30.3495%506
Memoranda:
Average total assets$304,594,2502,155
Average earning assets$287,852,7502,110
Average equity$45,169,5001,755
Average total loans$179,745,2502,339
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5297%4,987
Cost of funding earning assets0.7583%2,855
Net interest margin2.7714%4,949
Noninterest income to average assets0.2056%4,516
Noninterest expense to average assets2.0212%4,571
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6825%4,059
Return on assets (ROA)0.6836%4,111
Pretax return on assets0.8027%4,090
Return on Equity (ROE)4.6056%4,442
Retained earnings to average equity (ytd only)4.6056%2,974
Net charge-offs to loans-0.0011%3,905
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6093%1,976
Assets per employee ($millions)9.3664%410
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8917%4,129
Loan loss allowance to noncurrent loans1,134.5070%538
Noncurrent assets plus other real estate owned to assets0.0459%4,539
Noncurrent loans to loans0.0786%4,330
Net loans and leases to total assets57.9271%3,922
Net loans and leases to deposits70.7188%3,787
Net loans and leases to core deposits78.0897%3,572
Total domestic deposits to total assets81.9119%3,538
Equity capital to assets14.6940%895
Core capital (leverage) ratio15.0088%702
Tier 1 risk-based capital ratio29.1614%512
Total risk-based capital ratio30.1961%515
Memoranda:
Average total assets$302,494,0002,173
Average earning assets$285,632,6702,130
Average equity$44,901,6701,757
Average total loans$179,078,6702,352
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5336%5,015
Cost of funding earning assets0.7215%2,937
Net interest margin2.8122%4,978
Noninterest income to average assets0.2032%4,536
Noninterest expense to average assets2.0482%4,560
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.6885%3,977
Return on assets (ROA)0.6885%4,015
Pretax return on assets0.8075%4,021
Return on Equity (ROE)4.6143%4,441
Retained earnings to average equity (ytd only)4.6143%3,079
Net charge-offs to loans-0.0022%3,874
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7228%2,075
Assets per employee ($millions)9.7151%373
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9033%4,142
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets58.6802%3,814
Net loans and leases to deposits71.5603%3,638
Net loans and leases to core deposits77.5604%3,555
Total domestic deposits to total assets82.0011%3,727
Equity capital to assets14.9086%772
Core capital (leverage) ratio15.0798%677
Tier 1 risk-based capital ratio29.0497%506
Total risk-based capital ratio30.0923%510
Memoranda:
Average total assets$299,195,0002,201
Average earning assets$282,202,5002,163
Average equity$44,643,5001,750
Average total loans$178,288,5002,386
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4633%4,953
Cost of funding earning assets0.6423%2,447
Net interest margin2.8210%5,002
Noninterest income to average assets0.2280%4,546
Noninterest expense to average assets2.0449%4,670
Loan and lease loss provision to assets0.0499%3,190
Net operating income to assets0.6761%4,217
Return on assets (ROA)0.6761%4,224
Pretax return on assets0.7918%4,191
Return on Equity (ROE)4.6830%4,532
Retained earnings to average equity (ytd only)4.6830%2,943
Net charge-offs to loans0.0006%3,770
Credit loss provision to net charge-offs15,000.0000%28
Earnings coverage of net charge-offs (x)2,532.0000%34
Efficiency ratio70.8429%2,065
Assets per employee ($millions)9.5878%386
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.9033%4,143
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets59.4270%3,826
Net loans and leases to deposits72.7549%3,602
Net loans and leases to core deposits78.8759%3,512
Total domestic deposits to total assets81.6810%3,726
Equity capital to assets14.9340%725
Core capital (leverage) ratio14.9303%709
Tier 1 risk-based capital ratio28.9066%515
Total risk-based capital ratio29.9554%521
Memoranda:
Average total assets$300,843,0002,152
Average earning assets$283,515,0002,113
Average equity$43,433,6001,722
Average total loans$178,519,2002,346
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4410%4,991
Cost of funding earning assets0.6192%2,342
Net interest margin2.8218%5,066
Noninterest income to average assets0.2289%4,599
Noninterest expense to average assets1.9512%4,822
Loan and lease loss provision to assets0.0530%2,919
Net operating income to assets0.7423%4,098
Return on assets (ROA)0.7423%4,106
Pretax return on assets0.8846%4,072
Return on Equity (ROE)5.1856%4,504
Retained earnings to average equity (ytd only)5.1856%3,122
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5436%2,620
Assets per employee ($millions)9.6151%367
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8928%4,290
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets58.8793%3,959
Net loans and leases to deposits73.4412%3,650
Net loans and leases to core deposits79.4831%3,537
Total domestic deposits to total assets80.1720%4,072
Equity capital to assets14.7731%767
Core capital (leverage) ratio14.8066%751
Tier 1 risk-based capital ratio28.8285%526
Total risk-based capital ratio29.8640%531
Memoranda:
Average total assets$301,748,2502,154
Average earning assets$284,446,5002,120
Average equity$43,195,2501,732
Average total loans$178,589,0002,362
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4338%4,995
Cost of funding earning assets0.5979%2,238
Net interest margin2.8359%5,083
Noninterest income to average assets0.2066%4,774
Noninterest expense to average assets1.9480%4,886
Loan and lease loss provision to assets0.0594%2,719
Net operating income to assets0.7334%4,093
Return on assets (ROA)0.7334%4,089
Pretax return on assets0.8733%4,045
Return on Equity (ROE)5.1776%4,501
Retained earnings to average equity (ytd only)5.1776%2,985
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6214%2,707
Assets per employee ($millions)9.6525%355
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8670%4,485
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets59.2643%3,879
Net loans and leases to deposits72.5393%3,671
Net loans and leases to core deposits78.0865%3,574
Total domestic deposits to total assets81.6996%3,810
Equity capital to assets14.5293%801
Core capital (leverage) ratio14.4767%787
Tier 1 risk-based capital ratio28.5017%537
Total risk-based capital ratio29.5189%540
Memoranda:
Average total assets$302,974,6702,151
Average earning assets$285,689,6702,126
Average equity$42,915,6701,746
Average total loans$179,091,3302,360
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4016%5,018
Cost of funding earning assets0.5876%2,128
Net interest margin2.8140%5,146
Noninterest income to average assets0.2060%4,791
Noninterest expense to average assets1.9380%4,961
Loan and lease loss provision to assets0.0590%2,585
Net operating income to assets0.7217%4,020
Return on assets (ROA)0.7217%4,026
Pretax return on assets0.8608%3,980
Return on Equity (ROE)5.1600%4,435
Retained earnings to average equity (ytd only)5.1600%3,094
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8145%2,861
Assets per employee ($millions)9.2053%410
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8414%4,672
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets58.4228%3,902
Net loans and leases to deposits73.2688%3,487
Net loans and leases to core deposits78.5833%3,444
Total domestic deposits to total assets79.7376%4,455
Equity capital to assets14.1236%859
Core capital (leverage) ratio14.1526%843
Tier 1 risk-based capital ratio28.3148%542
Total risk-based capital ratio29.3088%553
Memoranda:
Average total assets$304,847,5002,163
Average earning assets$287,276,5002,136
Average equity$42,635,5001,768
Average total loans$179,193,5002,370
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3695%4,982
Cost of funding earning assets0.5404%2,027
Net interest margin2.8291%5,131
Noninterest income to average assets0.2254%4,793
Noninterest expense to average assets1.9795%4,995
Loan and lease loss provision to assets0.0506%3,212
Net operating income to assets0.6014%4,002
Return on assets (ROA)0.6014%4,042
Pretax return on assets0.8690%4,020
Return on Equity (ROE)4.3198%4,400
Retained earnings to average equity (ytd only)4.3198%2,561
Net charge-offs to loans-0.0123%4,845
Credit loss provision to net charge-offs-719.0476%5,007
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2800%2,841
Assets per employee ($millions)9.8684%334
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.8143%4,783
Loan loss allowance to noncurrent loans1,803.7037%384
Noncurrent assets plus other real estate owned to assets0.0265%5,019
Noncurrent loans to loans0.0451%4,797
Net loans and leases to total assets58.1675%3,990
Net loans and leases to deposits73.3653%3,567
Net loans and leases to core deposits79.1948%3,488
Total domestic deposits to total assets79.2848%4,483
Equity capital to assets13.8490%951
Core capital (leverage) ratio13.9419%846
Tier 1 risk-based capital ratio27.7233%556
Total risk-based capital ratio28.6797%564
Memoranda:
Average total assets$298,617,2002,177
Average earning assets$282,207,6002,143
Average equity$41,576,4001,794
Average total loans$170,431,2002,413
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3598%5,022
Cost of funding earning assets0.5302%2,031
Net interest margin2.8296%5,177
Noninterest income to average assets0.2269%4,855
Noninterest expense to average assets1.9196%5,109
Loan and lease loss provision to assets0.0476%3,149
Net operating income to assets0.7183%3,880
Return on assets (ROA)0.7183%3,942
Pretax return on assets0.9353%3,917
Return on Equity (ROE)5.1523%4,467
Retained earnings to average equity (ytd only)5.1523%2,774
Net charge-offs to loans-0.0166%4,787
Credit loss provision to net charge-offs-504.7619%4,813
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1353%3,185
Assets per employee ($millions)9.7958%338
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.7979%4,899
Loan loss allowance to noncurrent loans1,770.0000%366
Noncurrent assets plus other real estate owned to assets0.0263%5,116
Noncurrent loans to loans0.0451%4,913
Net loans and leases to total assets57.9717%4,061
Net loans and leases to deposits73.0522%3,658
Net loans and leases to core deposits78.7935%3,558
Total domestic deposits to total assets79.3565%4,471
Equity capital to assets13.8878%1,024
Core capital (leverage) ratio14.1244%860
Tier 1 risk-based capital ratio27.9141%575
Total risk-based capital ratio28.8518%577
Memoranda:
Average total assets$296,791,5002,199
Average earning assets$280,642,0002,170
Average equity$41,378,7501,821
Average total loans$168,187,2502,460
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3574%5,020
Cost of funding earning assets0.5257%1,956
Net interest margin2.8317%5,198
Noninterest income to average assets0.2065%5,013
Noninterest expense to average assets1.9158%5,161
Loan and lease loss provision to assets0.0414%3,175
Net operating income to assets0.7165%3,766
Return on assets (ROA)0.7165%3,835
Pretax return on assets0.9304%3,827
Return on Equity (ROE)5.1321%4,421
Retained earnings to average equity (ytd only)5.1321%2,621
Net charge-offs to loans-0.0206%4,794
Credit loss provision to net charge-offs-358.8235%4,599
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3452%3,293
Assets per employee ($millions)9.2593%385
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.8059%4,935
Loan loss allowance to noncurrent loans9,113.3333%88
Noncurrent assets plus other real estate owned to assets0.0051%5,286
Noncurrent loans to loans0.0088%5,152
Net loans and leases to total assets56.7873%4,147
Net loans and leases to deposits67.9977%4,073
Net loans and leases to core deposits73.4098%3,990
Total domestic deposits to total assets83.5135%3,398
Equity capital to assets14.0504%947
Core capital (leverage) ratio14.1980%803
Tier 1 risk-based capital ratio28.3607%533
Total risk-based capital ratio29.2934%537
Memoranda:
Average total assets$294,499,0002,224
Average earning assets$278,847,0002,182
Average equity$41,114,0001,829
Average total loans$165,097,0002,493
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4160%4,895
Cost of funding earning assets0.5245%1,903
Net interest margin2.8914%5,101
Noninterest income to average assets0.2057%5,043
Noninterest expense to average assets1.9264%5,190
Loan and lease loss provision to assets0.0422%2,957
Net operating income to assets0.7480%3,487
Return on assets (ROA)0.7480%3,536
Pretax return on assets0.9782%3,466
Return on Equity (ROE)5.3750%4,206
Retained earnings to average equity (ytd only)5.3750%2,682
Net charge-offs to loans-0.0418%5,098
Credit loss provision to net charge-offs-182.3529%4,033
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3722%3,600
Assets per employee ($millions)9.5350%354
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8203%5,006
Loan loss allowance to noncurrent loans8,913.3333%109
Noncurrent assets plus other real estate owned to assets0.0051%5,353
Noncurrent loans to loans0.0092%5,214
Net loans and leases to total assets54.6866%4,285
Net loans and leases to deposits65.3503%4,223
Net loans and leases to core deposits70.4263%4,115
Total domestic deposits to total assets83.6822%3,590
Equity capital to assets13.9144%927
Core capital (leverage) ratio13.9886%846
Tier 1 risk-based capital ratio28.9806%513
Total risk-based capital ratio29.9243%516
Memoranda:
Average total assets$293,600,0002,245
Average earning assets$278,340,0002,198
Average equity$40,855,5001,826
Average total loans$162,832,5002,540
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3308%5,116
Cost of funding earning assets0.5137%1,990
Net interest margin2.8170%5,267
Noninterest income to average assets0.2328%5,021
Noninterest expense to average assets1.9734%5,245
Loan and lease loss provision to assets0.0262%3,826
Net operating income to assets0.7259%3,660
Return on assets (ROA)0.7259%3,774
Pretax return on assets0.9084%3,823
Return on Equity (ROE)5.2525%4,299
Retained earnings to average equity (ytd only)5.2525%2,163
Net charge-offs to loans0.0026%4,176
Credit loss provision to net charge-offs1,875.0000%237
Earnings coverage of net charge-offs (x)669.5000%121
Efficiency ratio67.8627%3,265
Assets per employee ($millions)9.7205%334
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.7923%5,126
Loan loss allowance to noncurrent loans57.7509%4,504
Noncurrent assets plus other real estate owned to assets0.7654%2,440
Noncurrent loans to loans1.3720%1,495
Net loans and leases to total assets55.3447%4,322
Net loans and leases to deposits66.4130%4,211
Net loans and leases to core deposits70.3017%4,215
Total domestic deposits to total assets83.3341%3,650
Equity capital to assets13.9163%915
Core capital (leverage) ratio14.1572%777
Tier 1 risk-based capital ratio28.7835%528
Total risk-based capital ratio29.6993%537
Memoranda:
Average total assets$286,559,6002,240
Average earning assets$272,130,4002,197
Average equity$39,600,2001,860
Average total loans$153,987,4002,593
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3605%5,103
Cost of funding earning assets0.5122%1,997
Net interest margin2.8483%5,273
Noninterest income to average assets0.2327%5,080
Noninterest expense to average assets1.9324%5,331
Loan and lease loss provision to assets0.0210%3,817
Net operating income to assets0.7758%3,479
Return on assets (ROA)0.7758%3,624
Pretax return on assets0.9847%3,688
Return on Equity (ROE)5.6239%4,261
Retained earnings to average equity (ytd only)5.6239%2,416
Net charge-offs to loans0.0035%3,804
Credit loss provision to net charge-offs1,125.0000%363
Earnings coverage of net charge-offs (x)538.3227%169
Efficiency ratio65.7706%3,631
Assets per employee ($millions)9.2607%381
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.8106%5,160
Loan loss allowance to noncurrent loans1,259.0000%466
Noncurrent assets plus other real estate owned to assets0.0348%5,349
Noncurrent loans to loans0.0644%5,096
Net loans and leases to total assets53.6629%4,521
Net loans and leases to deposits63.7276%4,508
Net loans and leases to core deposits67.5730%4,501
Total domestic deposits to total assets84.2067%3,140
Equity capital to assets13.9942%1,031
Core capital (leverage) ratio13.9477%866
Tier 1 risk-based capital ratio29.7224%493
Total risk-based capital ratio30.6558%498
Memoranda:
Average total assets$285,296,0002,254
Average earning assets$270,986,7502,209
Average equity$39,354,7501,880
Average total loans$151,813,7502,619
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3789%5,128
Cost of funding earning assets0.5047%2,065
Net interest margin2.8743%5,307
Noninterest income to average assets0.2107%5,236
Noninterest expense to average assets1.9389%5,390
Loan and lease loss provision to assets0.0211%3,716
Net operating income to assets0.7791%3,405
Return on assets (ROA)0.7791%3,551
Pretax return on assets0.9835%3,644
Return on Equity (ROE)5.6753%4,211
Retained earnings to average equity (ytd only)5.6753%2,322
Net charge-offs to loans0.0053%3,514
Credit loss provision to net charge-offs750.0000%469
Earnings coverage of net charge-offs (x)357.5000%195
Efficiency ratio65.8711%3,696
Assets per employee ($millions)9.2326%359
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.8265%5,204
Loan loss allowance to noncurrent loans1,323.4043%461
Noncurrent assets plus other real estate owned to assets0.0328%5,460
Noncurrent loans to loans0.0625%5,201
Net loans and leases to total assets52.1519%4,659
Net loans and leases to deposits62.0356%4,647
Net loans and leases to core deposits66.0792%4,607
Total domestic deposits to total assets84.0678%3,236
Equity capital to assets13.8457%1,076
Core capital (leverage) ratio13.8270%870
Tier 1 risk-based capital ratio29.8893%502
Total risk-based capital ratio30.8297%509
Memoranda:
Average total assets$284,700,3302,268
Average earning assets$270,677,0002,229
Average equity$39,081,3301,895
Average total loans$150,646,3302,635
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4121%5,099
Cost of funding earning assets0.4815%2,259
Net interest margin2.9306%5,260
Noninterest income to average assets0.2071%5,253
Noninterest expense to average assets1.9483%5,438
Loan and lease loss provision to assets0.0211%3,406
Net operating income to assets0.8030%3,231
Return on assets (ROA)0.8030%3,346
Pretax return on assets1.0241%3,390
Return on Equity (ROE)5.8751%4,045
Retained earnings to average equity (ytd only)5.8751%2,433
Net charge-offs to loans0.0133%2,681
Credit loss provision to net charge-offs300.0000%841
Earnings coverage of net charge-offs (x)148.4000%403
Efficiency ratio65.0824%3,961
Assets per employee ($millions)9.5592%325
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8175%5,319
Loan loss allowance to noncurrent loans1,279.1667%466
Noncurrent assets plus other real estate owned to assets0.0335%5,508
Noncurrent loans to loans0.0639%5,225
Net loans and leases to total assets51.9522%4,629
Net loans and leases to deposits62.4262%4,553
Net loans and leases to core deposits66.4586%4,507
Total domestic deposits to total assets83.2218%3,815
Equity capital to assets13.6315%1,125
Core capital (leverage) ratio13.7711%879
Tier 1 risk-based capital ratio29.7981%516
Total risk-based capital ratio30.7373%519
Memoranda:
Average total assets$283,944,5002,287
Average earning assets$269,981,5002,243
Average equity$38,808,0001,899
Average total loans$150,715,0002,636
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3338%5,287
Cost of funding earning assets0.4816%2,343
Net interest margin2.8521%5,420
Noninterest income to average assets0.2329%5,202
Noninterest expense to average assets1.9074%5,609
Loan and lease loss provision to assets0.0163%4,086
Net operating income to assets0.8161%3,274
Return on assets (ROA)0.8167%3,347
Pretax return on assets1.0222%3,373
Return on Equity (ROE)6.1506%3,971
Retained earnings to average equity (ytd only)6.1506%1,722
Net charge-offs to loans0.0020%4,408
Credit loss provision to net charge-offs1,533.3333%226
Earnings coverage of net charge-offs (x)974.3333%59
Efficiency ratio64.7619%4,124
Assets per employee ($millions)9.0681%377
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.8055%5,393
Loan loss allowance to noncurrent loans1,230.3030%501
Noncurrent assets plus other real estate owned to assets0.0352%5,540
Noncurrent loans to loans0.0655%5,248
Net loans and leases to total assets53.3584%4,554
Net loans and leases to deposits65.2885%4,371
Net loans and leases to core deposits67.6790%4,467
Total domestic deposits to total assets81.7272%4,250
Equity capital to assets13.7041%1,041
Core capital (leverage) ratio13.6371%926
Tier 1 risk-based capital ratio29.3994%536
Total risk-based capital ratio30.3322%540
Memoranda:
Average total assets$281,635,0002,256
Average earning assets$267,835,6002,219
Average equity$37,394,6001,912
Average total loans$147,457,2002,635
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3113%5,386
Cost of funding earning assets0.4851%2,365
Net interest margin2.8263%5,533
Noninterest income to average assets0.2347%5,249
Noninterest expense to average assets1.8455%5,715
Loan and lease loss provision to assets0.0147%3,977
Net operating income to assets0.8430%3,204
Return on assets (ROA)0.8437%3,287
Pretax return on assets1.0637%3,355
Return on Equity (ROE)6.4056%3,955
Retained earnings to average equity (ytd only)6.4056%2,014
Net charge-offs to loans0.0027%4,091
Credit loss provision to net charge-offs1,033.3333%350
Earnings coverage of net charge-offs (x)758.9800%101
Efficiency ratio63.1374%4,386
Assets per employee ($millions)9.0712%360
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.7971%5,519
Loan loss allowance to noncurrent loans1,055.2632%547
Noncurrent assets plus other real estate owned to assets0.0405%5,622
Noncurrent loans to loans0.0755%5,324
Net loans and leases to total assets53.2446%4,644
Net loans and leases to deposits64.7618%4,493
Net loans and leases to core deposits66.7395%4,643
Total domestic deposits to total assets82.2160%4,098
Equity capital to assets13.5181%1,221
Core capital (leverage) ratio13.5805%986
Tier 1 risk-based capital ratio29.8195%537
Total risk-based capital ratio30.7667%541
Memoranda:
Average total assets$281,765,7502,272
Average earning assets$268,003,7502,223
Average equity$37,112,2501,934
Average total loans$146,517,7502,654
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2979%5,443
Cost of funding earning assets0.4920%2,327
Net interest margin2.8059%5,606
Noninterest income to average assets0.2135%5,417
Noninterest expense to average assets1.8450%5,790
Loan and lease loss provision to assets0.0128%3,863
Net operating income to assets0.8216%3,273
Return on assets (ROA)0.8221%3,372
Pretax return on assets1.0264%3,474
Return on Equity (ROE)6.2969%3,987
Retained earnings to average equity (ytd only)6.2969%2,062
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9852%4,363
Assets per employee ($millions)9.1307%352
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8231%5,542
Loan loss allowance to noncurrent loans1,217.3469%472
Noncurrent assets plus other real estate owned to assets0.0346%5,728
Noncurrent loans to loans0.0676%5,466
Net loans and leases to total assets50.7870%4,863
Net loans and leases to deposits61.6647%4,725
Net loans and leases to core deposits63.5259%4,843
Total domestic deposits to total assets82.3598%4,166
Equity capital to assets13.2117%1,297
Core capital (leverage) ratio13.1797%1,098
Tier 1 risk-based capital ratio30.6023%511
Total risk-based capital ratio31.5825%515
Memoranda:
Average total assets$281,951,6702,288
Average earning assets$268,290,3302,245
Average equity$36,811,6701,956
Average total loans$145,046,6702,681
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2670%5,521
Cost of funding earning assets0.4972%2,307
Net interest margin2.7698%5,704
Noninterest income to average assets0.2047%5,491
Noninterest expense to average assets1.8621%5,810
Loan and lease loss provision to assets0.0128%3,559
Net operating income to assets0.7821%3,354
Return on assets (ROA)0.7832%3,483
Pretax return on assets0.9680%3,617
Return on Equity (ROE)6.0351%4,016
Retained earnings to average equity (ytd only)6.0351%2,483
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5328%4,231
Assets per employee ($millions)9.1765%341
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8093%5,676
Loan loss allowance to noncurrent loans654.1436%790
Noncurrent assets plus other real estate owned to assets0.0636%5,678
Noncurrent loans to loans0.1237%5,330
Net loans and leases to total assets51.0126%4,743
Net loans and leases to deposits61.6515%4,607
Net loans and leases to core deposits63.6317%4,730
Total domestic deposits to total assets82.7434%4,255
Equity capital to assets12.9338%1,437
Core capital (leverage) ratio13.0208%1,148
Tier 1 risk-based capital ratio30.8156%503
Total risk-based capital ratio31.8091%512
Memoranda:
Average total assets$281,401,0002,308
Average earning assets$267,894,0002,262
Average equity$36,519,5001,984
Average total loans$145,096,5002,691
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0158%6,050
Cost of funding earning assets0.5673%2,070
Net interest margin2.4485%6,196
Noninterest income to average assets0.2249%5,519
Noninterest expense to average assets1.8280%6,032
Loan and lease loss provision to assets0.0127%4,363
Net operating income to assets0.6127%4,313
Return on assets (ROA)0.6160%4,397
Pretax return on assets0.7202%4,556
Return on Equity (ROE)4.9476%4,690
Retained earnings to average equity (ytd only)4.9476%2,635
Net charge-offs to loans0.0007%4,964
Credit loss provision to net charge-offs3,600.0000%79
Earnings coverage of net charge-offs (x)2,071.0000%12
Efficiency ratio71.4895%3,292
Assets per employee ($millions)8.6978%397
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.8166%5,736
Loan loss allowance to noncurrent loans1,030.7018%571
Noncurrent assets plus other real estate owned to assets0.0410%5,872
Noncurrent loans to loans0.0792%5,570
Net loans and leases to total assets51.2764%4,853
Net loans and leases to deposits60.6286%4,845
Net loans and leases to core deposits62.5984%4,953
Total domestic deposits to total assets84.5745%3,469
Equity capital to assets13.0226%1,362
Core capital (leverage) ratio12.9957%1,142
Tier 1 risk-based capital ratio31.4588%455
Total risk-based capital ratio32.4807%458
Memoranda:
Average total assets$284,076,4002,242
Average earning assets$270,575,4002,194
Average equity$35,370,4001,978
Average total loans$142,375,0002,680
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9699%6,158
Cost of funding earning assets0.5724%2,085
Net interest margin2.3975%6,299
Noninterest income to average assets0.2265%5,574
Noninterest expense to average assets1.7778%6,120
Loan and lease loss provision to assets0.0126%4,164
Net operating income to assets0.6121%4,388
Return on assets (ROA)0.6164%4,463
Pretax return on assets0.7257%4,605
Return on Equity (ROE)5.0068%4,715
Retained earnings to average equity (ytd only)5.0068%3,076
Net charge-offs to loans0.0009%4,676
Credit loss provision to net charge-offs2,700.0000%143
Earnings coverage of net charge-offs (x)1,573.8947%35
Efficiency ratio70.8016%3,369
Assets per employee ($millions)8.9294%349
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.8185%5,830
Loan loss allowance to noncurrent loans580.0995%868
Noncurrent assets plus other real estate owned to assets0.0703%5,875
Noncurrent loans to loans0.1411%5,499
Net loans and leases to total assets49.4491%5,062
Net loans and leases to deposits58.8427%5,028
Net loans and leases to core deposits60.7098%5,143
Total domestic deposits to total assets84.0362%3,743
Equity capital to assets12.5362%1,674
Core capital (leverage) ratio12.5082%1,398
Tier 1 risk-based capital ratio31.0324%481
Total risk-based capital ratio32.0448%483
Memoranda:
Average total assets$285,512,7502,252
Average earning assets$272,055,5002,195
Average equity$35,151,5001,996
Average total loans$141,995,5002,696
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9369%6,232
Cost of funding earning assets0.5737%2,129
Net interest margin2.3632%6,380
Noninterest income to average assets0.2067%5,717
Noninterest expense to average assets1.7699%6,185
Loan and lease loss provision to assets0.0126%4,004
Net operating income to assets0.5798%4,452
Return on assets (ROA)0.5865%4,516
Pretax return on assets0.6832%4,702
Return on Equity (ROE)4.7927%4,772
Retained earnings to average equity (ytd only)4.7927%3,093
Net charge-offs to loans0.0014%4,350
Credit loss provision to net charge-offs1,800.0000%203
Earnings coverage of net charge-offs (x)982.0000%64
Efficiency ratio72.0068%3,341
Assets per employee ($millions)9.0254%328
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.8043%5,966
Loan loss allowance to noncurrent loans267.2055%1,668
Noncurrent assets plus other real estate owned to assets0.1499%5,702
Noncurrent loans to loans0.3010%5,115
Net loans and leases to total assets49.4045%5,027
Net loans and leases to deposits58.6089%4,989
Net loans and leases to core deposits60.5566%5,099
Total domestic deposits to total assets84.2951%3,818
Equity capital to assets12.2387%1,825
Core capital (leverage) ratio12.2079%1,548
Tier 1 risk-based capital ratio30.3352%509
Total risk-based capital ratio31.3307%511
Memoranda:
Average total assets$285,437,0002,250
Average earning assets$271,921,0002,197
Average equity$34,928,3302,000
Average total loans$141,840,0002,701
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9427%6,294
Cost of funding earning assets0.5711%2,234
Net interest margin2.3716%6,435
Noninterest income to average assets0.2016%5,743
Noninterest expense to average assets1.7960%6,226
Loan and lease loss provision to assets0.0127%3,664
Net operating income to assets0.5630%4,395
Return on assets (ROA)0.5752%4,394
Pretax return on assets0.6668%4,608
Return on Equity (ROE)4.7006%4,685
Retained earnings to average equity (ytd only)4.7006%3,294
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9668%3,316
Assets per employee ($millions)9.0026%334
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.8138%6,070
Loan loss allowance to noncurrent loans256.2500%1,699
Noncurrent assets plus other real estate owned to assets0.1555%5,775
Noncurrent loans to loans0.3176%5,152
Net loans and leases to total assets48.5667%5,056
Net loans and leases to deposits58.2984%4,913
Net loans and leases to core deposits59.9711%5,040
Total domestic deposits to total assets83.3072%4,495
Equity capital to assets12.1215%1,790
Core capital (leverage) ratio12.0900%1,602
Tier 1 risk-based capital ratio30.0442%528
Total risk-based capital ratio31.0345%530
Memoranda:
Average total assets$283,748,5002,271
Average earning assets$270,368,0002,215
Average equity$34,719,0001,999
Average total loans$140,838,0002,725
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9543%6,387
Cost of funding earning assets0.6864%1,909
Net interest margin2.2678%6,546
Noninterest income to average assets0.2338%5,676
Noninterest expense to average assets1.7453%6,396
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.5644%4,436
Return on assets (ROA)0.5647%4,544
Pretax return on assets0.6469%4,717
Return on Equity (ROE)4.7892%4,724
Retained earnings to average equity (ytd only)4.7892%2,740
Net charge-offs to loans0.0008%5,467
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)1,850.0000%17
Efficiency ratio72.9690%3,295
Assets per employee ($millions)8.4671%396
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.8107%6,144
Loan loss allowance to noncurrent loans378.7375%1,219
Noncurrent assets plus other real estate owned to assets0.1077%6,008
Noncurrent loans to loans0.2141%5,539
Net loans and leases to total assets49.9171%5,089
Net loans and leases to deposits59.2471%5,010
Net loans and leases to core deposits60.7770%5,157
Total domestic deposits to total assets84.2525%4,076
Equity capital to assets12.3537%1,591
Core capital (leverage) ratio12.3190%1,441
Tier 1 risk-based capital ratio29.8097%509
Total risk-based capital ratio30.7970%514
Memoranda:
Average total assets$286,145,8002,225
Average earning assets$272,285,2002,163
Average equity$33,742,8002,039
Average total loans$133,161,8002,805
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9487%6,466
Cost of funding earning assets0.7001%1,945
Net interest margin2.2487%6,617
Noninterest income to average assets0.2353%5,749
Noninterest expense to average assets1.6982%6,472
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.5819%4,419
Return on assets (ROA)0.5823%4,547
Pretax return on assets0.6772%4,756
Return on Equity (ROE)4.9956%4,726
Retained earnings to average equity (ytd only)4.9956%3,090
Net charge-offs to loans0.0010%5,203
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)1,464.6241%20
Efficiency ratio71.5038%3,507
Assets per employee ($millions)8.5146%379
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.8382%6,203
Loan loss allowance to noncurrent loans265.7343%1,532
Noncurrent assets plus other real estate owned to assets0.1482%5,997
Noncurrent loans to loans0.3154%5,439
Net loans and leases to total assets46.5877%5,486
Net loans and leases to deposits55.5993%5,404
Net loans and leases to core deposits57.0521%5,523
Total domestic deposits to total assets83.7919%4,285
Equity capital to assets11.8015%2,048
Core capital (leverage) ratio11.7656%1,845
Tier 1 risk-based capital ratio30.1222%510
Total risk-based capital ratio31.1304%516
Memoranda:
Average total assets$287,828,5002,231
Average earning assets$273,874,2502,160
Average equity$33,549,0002,073
Average total loans$131,298,2502,852
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9838%6,464
Cost of funding earning assets0.7109%1,994
Net interest margin2.2730%6,641
Noninterest income to average assets0.2193%5,871
Noninterest expense to average assets1.6980%6,499
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.5863%4,366
Return on assets (ROA)0.5869%4,542
Pretax return on assets0.6858%4,731
Return on Equity (ROE)5.0564%4,699
Retained earnings to average equity (ytd only)5.0564%3,019
Net charge-offs to loans0.0015%4,889
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)984.0000%31
Efficiency ratio71.2533%3,601
Assets per employee ($millions)8.3909%396
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.8573%6,239
Loan loss allowance to noncurrent loans272.0764%1,537
Noncurrent assets plus other real estate owned to assets0.1469%6,053
Noncurrent loans to loans0.3151%5,507
Net loans and leases to total assets46.2102%5,508
Net loans and leases to deposits55.1513%5,424
Net loans and leases to core deposits56.6103%5,552
Total domestic deposits to total assets83.7881%4,416
Equity capital to assets11.8322%2,026
Core capital (leverage) ratio11.7943%1,727
Tier 1 risk-based capital ratio29.9511%525
Total risk-based capital ratio30.9659%531
Memoranda:
Average total assets$287,272,3302,240
Average earning assets$273,474,6702,167
Average equity$33,343,6702,090
Average total loans$129,727,6702,878
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9917%6,525
Cost of funding earning assets0.7272%2,012
Net interest margin2.2646%6,712
Noninterest income to average assets0.2234%5,881
Noninterest expense to average assets1.7179%6,539
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.5705%4,359
Return on assets (ROA)0.5717%4,502
Pretax return on assets0.6633%4,733
Return on Equity (ROE)4.9732%4,584
Retained earnings to average equity (ytd only)4.9732%3,251
Net charge-offs to loans-0.0094%5,415
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.1866%3,576
Assets per employee ($millions)8.7392%353
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.8740%6,314
Loan loss allowance to noncurrent loans436.6412%960
Noncurrent assets plus other real estate owned to assets0.0908%6,318
Noncurrent loans to loans0.2002%5,900
Net loans and leases to total assets44.9880%5,550
Net loans and leases to deposits53.4901%5,472
Net loans and leases to core deposits55.0038%5,602
Total domestic deposits to total assets84.1051%4,427
Equity capital to assets11.5609%2,360
Core capital (leverage) ratio11.5179%1,871
Tier 1 risk-based capital ratio29.7356%545
Total risk-based capital ratio30.7597%551
Memoranda:
Average total assets$288,263,5002,262
Average earning assets$274,489,5002,186
Average equity$33,137,5002,120
Average total loans$128,105,0002,925
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2612%6,619
Cost of funding earning assets0.8307%2,418
Net interest margin2.4305%6,758
Noninterest income to average assets0.2524%5,661
Noninterest expense to average assets1.6493%6,760
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.7099%3,697
Return on assets (ROA)0.7102%3,949
Pretax return on assets0.9231%3,840
Return on Equity (ROE)6.5308%3,896
Retained earnings to average equity (ytd only)6.5308%1,802
Net charge-offs to loans0.0046%5,907
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)452.1667%89
Efficiency ratio64.1232%4,858
Assets per employee ($millions)8.7313%361
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9104%6,245
Loan loss allowance to noncurrent loans579.1878%717
Noncurrent assets plus other real estate owned to assets0.0684%6,440
Noncurrent loans to loans0.1572%6,087
Net loans and leases to total assets43.0990%5,897
Net loans and leases to deposits50.9325%5,892
Net loans and leases to core deposits52.4444%5,985
Total domestic deposits to total assets84.6199%4,027
Equity capital to assets11.4302%2,509
Core capital (leverage) ratio11.3854%1,947
Tier 1 risk-based capital ratio30.6091%492
Total risk-based capital ratio31.6737%491
Memoranda:
Average total assets$293,999,2002,179
Average earning assets$280,603,8002,098
Average equity$31,971,8002,142
Average total loans$130,523,0002,880
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3087%6,722
Cost of funding earning assets0.8464%2,574
Net interest margin2.4623%6,851
Noninterest income to average assets0.2545%5,745
Noninterest expense to average assets1.6033%6,874
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.7560%3,667
Return on assets (ROA)0.7563%3,916
Pretax return on assets1.0027%3,697
Return on Equity (ROE)7.0423%3,783
Retained earnings to average equity (ytd only)7.0423%2,100
Net charge-offs to loans0.0061%5,662
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)370.1575%122
Efficiency ratio61.5345%5,225
Assets per employee ($millions)8.8644%351
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.8832%6,421
Loan loss allowance to noncurrent loans320.5056%1,171
Noncurrent assets plus other real estate owned to assets0.1217%6,415
Noncurrent loans to loans0.2756%5,936
Net loans and leases to total assets43.7732%5,987
Net loans and leases to deposits51.6904%5,997
Net loans and leases to core deposits53.2095%6,102
Total domestic deposits to total assets84.6833%3,899
Equity capital to assets11.1263%3,122
Core capital (leverage) ratio11.0736%2,320
Tier 1 risk-based capital ratio29.7104%546
Total risk-based capital ratio30.7570%546
Memoranda:
Average total assets$295,466,0002,188
Average earning assets$282,114,7502,110
Average equity$31,731,2502,175
Average total loans$131,823,0002,878
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3618%6,764
Cost of funding earning assets0.8613%2,717
Net interest margin2.5005%6,890
Noninterest income to average assets0.2449%5,820
Noninterest expense to average assets1.5962%6,930
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.7747%3,491
Return on assets (ROA)0.7752%3,757
Pretax return on assets1.0369%3,572
Return on Equity (ROE)7.3047%3,611
Retained earnings to average equity (ytd only)7.3047%1,952
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.6356%5,480
Assets per employee ($millions)9.0209%313
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8541%6,561
Loan loss allowance to noncurrent loans258.9165%1,348
Noncurrent assets plus other real estate owned to assets0.1488%6,414
Noncurrent loans to loans0.3299%5,890
Net loans and leases to total assets44.7287%5,948
Net loans and leases to deposits52.9050%5,963
Net loans and leases to core deposits54.3187%6,069
Total domestic deposits to total assets84.5453%4,081
Equity capital to assets10.7568%3,386
Core capital (leverage) ratio10.7103%2,582
Tier 1 risk-based capital ratio28.4929%613
Total risk-based capital ratio29.5184%612
Memoranda:
Average total assets$296,446,6702,177
Average earning assets$283,063,3302,106
Average equity$31,459,3302,174
Average total loans$132,701,3302,877
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4396%6,766
Cost of funding earning assets0.8843%2,802
Net interest margin2.5552%6,913
Noninterest income to average assets0.2529%5,830
Noninterest expense to average assets1.6402%6,943
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.7846%3,447
Return on assets (ROA)0.7856%3,681
Pretax return on assets1.0520%3,498
Return on Equity (ROE)7.4540%3,526
Retained earnings to average equity (ytd only)7.4540%2,198
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9548%5,464
Assets per employee ($millions)8.4705%393
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.8727%6,604
Loan loss allowance to noncurrent loans1,662.3188%262
Noncurrent assets plus other real estate owned to assets0.0233%6,849
Noncurrent loans to loans0.0525%6,623
Net loans and leases to total assets43.9467%6,018
Net loans and leases to deposits51.7209%5,997
Net loans and leases to core deposits52.9898%6,129
Total domestic deposits to total assets84.9689%4,059
Equity capital to assets10.6144%3,365
Core capital (leverage) ratio10.5570%2,689
Tier 1 risk-based capital ratio28.4838%606
Total risk-based capital ratio29.5277%608
Memoranda:
Average total assets$295,825,0002,193
Average earning assets$282,245,0002,117
Average equity$31,178,0002,194
Average total loans$131,902,0002,912
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7249%6,818
Cost of funding earning assets1.0824%2,790
Net interest margin2.6425%6,977
Noninterest income to average assets0.2344%5,861
Noninterest expense to average assets1.6956%7,059
Loan and lease loss provision to assets0.0103%6,404
Net operating income to assets0.7825%3,124
Return on assets (ROA)0.8173%3,130
Pretax return on assets1.0986%2,841
Return on Equity (ROE)8.0571%2,874
Retained earnings to average equity (ytd only)8.0571%1,059
Net charge-offs to loans0.0007%6,438
Credit loss provision to net charge-offs3,000.0000%73
Earnings coverage of net charge-offs (x)3,099.0000%3
Efficiency ratio61.4888%5,536
Assets per employee ($millions)8.9450%337
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.8665%6,611
Loan loss allowance to noncurrent loans259.5023%1,271
Noncurrent assets plus other real estate owned to assets0.1497%6,573
Noncurrent loans to loans0.3339%6,061
Net loans and leases to total assets44.4546%6,167
Net loans and leases to deposits52.6852%6,156
Net loans and leases to core deposits54.0157%6,305
Total domestic deposits to total assets84.3779%4,151
Equity capital to assets10.4640%3,573
Core capital (leverage) ratio10.4162%2,828
Tier 1 risk-based capital ratio27.3077%689
Total risk-based capital ratio28.3275%678
Memoranda:
Average total assets$291,818,6002,185
Average earning assets$278,641,8002,108
Average equity$29,601,2002,221
Average total loans$137,150,2002,853
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7839%6,861
Cost of funding earning assets1.1098%2,914
Net interest margin2.6741%7,011
Noninterest income to average assets0.2378%5,925
Noninterest expense to average assets1.6702%7,124
Loan and lease loss provision to assets0.0137%6,261
Net operating income to assets0.8150%3,080
Return on assets (ROA)0.8564%3,069
Pretax return on assets1.1625%2,777
Return on Equity (ROE)8.5109%2,814
Retained earnings to average equity (ytd only)8.5109%1,310
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8522%5,748
Assets per employee ($millions)8.6457%377
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.8538%6,715
Loan loss allowance to noncurrent loans194.7368%1,588
Noncurrent assets plus other real estate owned to assets0.2004%6,561
Noncurrent loans to loans0.4384%5,965
Net loans and leases to total assets45.3119%6,210
Net loans and leases to deposits53.6160%6,243
Net loans and leases to core deposits54.9128%6,398
Total domestic deposits to total assets84.5119%4,002
Equity capital to assets10.3384%3,911
Core capital (leverage) ratio10.2855%3,099
Tier 1 risk-based capital ratio27.1163%724
Total risk-based capital ratio28.1461%733
Memoranda:
Average total assets$290,977,2502,202
Average earning assets$277,766,5002,124
Average equity$29,279,5002,247
Average total loans$138,345,2502,847
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8351%6,882
Cost of funding earning assets1.1278%3,048
Net interest margin2.7074%7,020
Noninterest income to average assets0.2241%6,068
Noninterest expense to average assets1.7166%7,164
Loan and lease loss provision to assets0.0207%6,031
Net operating income to assets0.7881%3,127
Return on assets (ROA)0.8504%2,953
Pretax return on assets1.1539%2,659
Return on Equity (ROE)8.5301%2,706
Retained earnings to average equity (ytd only)8.5301%1,255
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1548%5,705
Assets per employee ($millions)9.2318%303
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.8290%6,818
Loan loss allowance to noncurrent loans186.9707%1,617
Noncurrent assets plus other real estate owned to assets0.2078%6,591
Noncurrent loans to loans0.4434%6,022
Net loans and leases to total assets46.4853%6,218
Net loans and leases to deposits54.9346%6,231
Net loans and leases to core deposits55.9909%6,414
Total domestic deposits to total assets84.6194%4,063
Equity capital to assets9.9991%4,156
Core capital (leverage) ratio9.9430%3,332
Tier 1 risk-based capital ratio25.9488%819
Total risk-based capital ratio26.9641%817
Memoranda:
Average total assets$289,985,0002,218
Average earning assets$276,652,0002,131
Average equity$28,909,3302,250
Average total loans$139,679,3302,852
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8459%6,893
Cost of funding earning assets1.1535%3,139
Net interest margin2.6924%7,024
Noninterest income to average assets0.2214%6,151
Noninterest expense to average assets1.7238%7,210
Loan and lease loss provision to assets0.0209%5,687
Net operating income to assets0.7822%3,111
Return on assets (ROA)0.8020%3,090
Pretax return on assets1.0708%2,869
Return on Equity (ROE)8.0575%2,883
Retained earnings to average equity (ytd only)8.0575%1,710
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8073%5,710
Assets per employee ($millions)8.7803%348
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.8079%6,900
Loan loss allowance to noncurrent loans172.7134%1,693
Noncurrent assets plus other real estate owned to assets0.2264%6,606
Noncurrent loans to loans0.4678%6,083
Net loans and leases to total assets48.0083%6,075
Net loans and leases to deposits55.8319%6,147
Net loans and leases to core deposits56.8305%6,350
Total domestic deposits to total assets85.9872%3,534
Equity capital to assets9.9676%3,817
Core capital (leverage) ratio9.9159%3,252
Tier 1 risk-based capital ratio25.7473%808
Total risk-based capital ratio26.7638%809
Memoranda:
Average total assets$287,268,5002,253
Average earning assets$273,954,5002,170
Average equity$28,594,5002,262
Average total loans$140,282,0002,883
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2390%6,877
Cost of funding earning assets1.4309%3,068
Net interest margin2.8081%7,018
Noninterest income to average assets0.2446%6,048
Noninterest expense to average assets1.7473%7,309
Loan and lease loss provision to assets0.0313%6,823
Net operating income to assets0.8290%2,675
Return on assets (ROA)0.8290%2,815
Pretax return on assets1.1191%2,508
Return on Equity (ROE)8.7829%2,383
Retained earnings to average equity (ytd only)8.7829%757
Net charge-offs to loans0.0034%6,819
Credit loss provision to net charge-offs1,800.0000%130
Earnings coverage of net charge-offs (x)662.2000%27
Efficiency ratio60.2998%6,003
Assets per employee ($millions)8.3761%416
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.7967%6,972
Loan loss allowance to noncurrent loans524.8826%620
Noncurrent assets plus other real estate owned to assets0.0748%7,043
Noncurrent loans to loans0.1518%6,765
Net loans and leases to total assets48.8818%6,290
Net loans and leases to deposits56.8226%6,370
Net loans and leases to core deposits57.9205%6,566
Total domestic deposits to total assets86.0253%3,347
Equity capital to assets9.9401%3,826
Core capital (leverage) ratio9.8822%3,228
Tier 1 risk-based capital ratio25.7095%784
Total risk-based capital ratio26.7321%777
Memoranda:
Average total assets$287,811,2002,227
Average earning assets$271,926,6002,170
Average equity$27,166,4002,363
Average total loans$148,319,8002,806
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3223%6,937
Cost of funding earning assets1.4779%3,102
Net interest margin2.8445%7,089
Noninterest income to average assets0.2472%6,125
Noninterest expense to average assets1.7026%7,434
Loan and lease loss provision to assets0.0347%6,733
Net operating income to assets0.8746%2,714
Return on assets (ROA)0.8746%2,848
Pretax return on assets1.1911%2,523
Return on Equity (ROE)9.3893%2,353
Retained earnings to average equity (ytd only)9.3893%934
Net charge-offs to loans0.0044%6,609
Credit loss provision to net charge-offs1,500.0000%205
Earnings coverage of net charge-offs (x)530.3208%57
Efficiency ratio58.1414%6,250
Assets per employee ($millions)8.2541%464
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.7338%7,142
Loan loss allowance to noncurrent loans629.1429%523
Noncurrent assets plus other real estate owned to assets0.0606%7,193
Noncurrent loans to loans0.1166%6,952
Net loans and leases to total assets51.5577%6,151
Net loans and leases to deposits60.7182%6,251
Net loans and leases to core deposits61.7091%6,488
Total domestic deposits to total assets84.9130%3,657
Equity capital to assets9.6316%4,649
Core capital (leverage) ratio9.5701%3,807
Tier 1 risk-based capital ratio24.1691%931
Total risk-based capital ratio25.1328%933
Memoranda:
Average total assets$288,567,2502,256
Average earning assets$272,008,2502,197
Average equity$26,881,0002,425
Average total loans$150,318,0002,807
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3799%6,938
Cost of funding earning assets1.5289%3,081
Net interest margin2.8511%7,080
Noninterest income to average assets0.2281%6,280
Noninterest expense to average assets1.6862%7,509
Loan and lease loss provision to assets0.0416%6,556
Net operating income to assets0.8667%2,671
Return on assets (ROA)0.8667%2,805
Pretax return on assets1.1780%2,484
Return on Equity (ROE)9.4104%2,313
Retained earnings to average equity (ytd only)9.4104%983
Net charge-offs to loans0.0013%6,365
Credit loss provision to net charge-offs6,000.0000%59
Earnings coverage of net charge-offs (x)1,759.0000%6
Efficiency ratio58.0291%6,370
Assets per employee ($millions)8.9549%346
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7176%7,209
Loan loss allowance to noncurrent loans436.0000%721
Noncurrent assets plus other real estate owned to assets0.0846%7,180
Noncurrent loans to loans0.1646%6,933
Net loans and leases to total assets51.0284%6,302
Net loans and leases to deposits60.6430%6,350
Net loans and leases to core deposits61.6091%6,580
Total domestic deposits to total assets84.1455%4,041
Equity capital to assets9.2118%5,129
Core capital (leverage) ratio9.1406%4,390
Tier 1 risk-based capital ratio23.4911%995
Total risk-based capital ratio24.4404%1,016
Memoranda:
Average total assets$288,459,0002,273
Average earning assets$270,917,3302,222
Average equity$26,566,3302,442
Average total loans$150,408,3302,829
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4832%6,821
Cost of funding earning assets1.6019%2,950
Net interest margin2.8813%7,046
Noninterest income to average assets0.2218%6,380
Noninterest expense to average assets1.6748%7,596
Loan and lease loss provision to assets0.0421%6,254
Net operating income to assets0.8774%2,644
Return on assets (ROA)0.8774%2,721
Pretax return on assets1.1891%2,396
Return on Equity (ROE)9.5280%2,282
Retained earnings to average equity (ytd only)9.5280%1,264
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6329%6,543
Assets per employee ($millions)8.7242%384
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.7120%7,317
Loan loss allowance to noncurrent loans433.0612%740
Noncurrent assets plus other real estate owned to assets0.0851%7,278
Noncurrent loans to loans0.1644%7,007
Net loans and leases to total assets51.3932%6,334
Net loans and leases to deposits60.9570%6,369
Net loans and leases to core deposits61.9571%6,606
Total domestic deposits to total assets84.3105%3,991
Equity capital to assets9.2251%4,956
Core capital (leverage) ratio9.1669%4,272
Tier 1 risk-based capital ratio23.6321%999
Total risk-based capital ratio24.5833%1,009
Memoranda:
Average total assets$284,932,5002,349
Average earning assets$265,433,0002,312
Average equity$26,238,5002,497
Average total loans$149,670,0002,908
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9165%6,673
Cost of funding earning assets2.0715%2,619
Net interest margin2.8450%6,982
Noninterest income to average assets0.2572%6,272
Noninterest expense to average assets1.8096%7,596
Loan and lease loss provision to assets0.0560%7,004
Net operating income to assets0.7947%2,554
Return on assets (ROA)0.7947%2,644
Pretax return on assets1.0332%2,485
Return on Equity (ROE)8.5952%2,164
Retained earnings to average equity (ytd only)8.5952%568
Net charge-offs to loans0.0371%6,749
Credit loss provision to net charge-offs267.8571%1,303
Earnings coverage of net charge-offs (x)52.1071%500
Efficiency ratio62.4260%6,069
Assets per employee ($millions)8.0561%499
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.6859%7,404
Loan loss allowance to noncurrent loans912.3894%390
Noncurrent assets plus other real estate owned to assets0.0401%7,412
Noncurrent loans to loans0.0752%7,229
Net loans and leases to total assets52.9452%6,312
Net loans and leases to deposits62.5684%6,401
Net loans and leases to core deposits74.5391%6,502
Total domestic deposits to total assets84.6197%3,749
Equity capital to assets9.1919%4,852
Core capital (leverage) ratio9.1376%4,216
Tier 1 risk-based capital ratio22.5033%1,089
Total risk-based capital ratio23.4048%1,108
Memoranda:
Average total assets$267,905,6002,443
Average earning assets$248,753,8002,416
Average equity$24,769,6002,635
Average total loans$150,959,6002,900
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9560%6,747
Cost of funding earning assets2.1517%2,640
Net interest margin2.8043%7,053
Noninterest income to average assets0.2632%6,349
Noninterest expense to average assets1.8240%7,640
Loan and lease loss provision to assets0.0530%6,849
Net operating income to assets0.7655%2,960
Return on assets (ROA)0.7655%3,024
Pretax return on assets1.0081%2,881
Return on Equity (ROE)8.2669%2,530
Retained earnings to average equity (ytd only)8.2669%1,056
Net charge-offs to loans0.0441%6,290
Credit loss provision to net charge-offs210.0000%2,097
Earnings coverage of net charge-offs (x)42.0768%721
Efficiency ratio63.2232%5,885
Assets per employee ($millions)7.6248%599
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6783%7,418
Loan loss allowance to noncurrent loans111.0497%2,533
Noncurrent assets plus other real estate owned to assets0.3297%6,656
Noncurrent loans to loans0.6108%6,084
Net loans and leases to total assets53.6112%6,434
Net loans and leases to deposits63.5698%6,536
Net loans and leases to core deposits75.7431%6,633
Total domestic deposits to total assets84.3344%3,559
Equity capital to assets9.2356%5,109
Core capital (leverage) ratio9.1713%4,376
Tier 1 risk-based capital ratio22.2635%1,194
Total risk-based capital ratio23.1535%1,212
Memoranda:
Average total assets$264,390,7502,487
Average earning assets$247,183,5002,447
Average equity$24,482,5002,693
Average total loans$151,120,0002,926
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0131%6,723
Cost of funding earning assets2.2254%2,681
Net interest margin2.7877%7,036
Noninterest income to average assets0.2513%6,488
Noninterest expense to average assets1.8964%7,625
Loan and lease loss provision to assets0.0230%7,006
Net operating income to assets0.7385%3,101
Return on assets (ROA)0.7379%3,205
Pretax return on assets0.9486%3,184
Return on Equity (ROE)7.9610%2,791
Retained earnings to average equity (ytd only)7.9610%1,223
Net charge-offs to loans0.0644%5,600
Credit loss provision to net charge-offs61.2245%5,573
Earnings coverage of net charge-offs (x)25.8980%1,106
Efficiency ratio66.1058%5,531
Assets per employee ($millions)7.2295%696
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.6276%7,583
Loan loss allowance to noncurrent loans168.6594%1,766
Noncurrent assets plus other real estate owned to assets0.2064%6,991
Noncurrent loans to loans0.3721%6,581
Net loans and leases to total assets55.1050%6,326
Net loans and leases to deposits65.3898%6,447
Net loans and leases to core deposits77.6494%6,565
Total domestic deposits to total assets84.2716%3,615
Equity capital to assets9.2216%4,976
Core capital (leverage) ratio9.1858%4,324
Tier 1 risk-based capital ratio21.6903%1,300
Total risk-based capital ratio22.5128%1,321
Memoranda:
Average total assets$261,023,3302,532
Average earning assets$245,079,0002,474
Average equity$24,193,0002,730
Average total loans$152,105,3302,939
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1146%6,604
Cost of funding earning assets2.3044%2,679
Net interest margin2.8102%6,972
Noninterest income to average assets0.2560%6,407
Noninterest expense to average assets1.8744%7,599
Loan and lease loss provision to assets0.0233%6,612
Net operating income to assets0.7801%3,213
Return on assets (ROA)0.7789%3,386
Pretax return on assets1.0381%3,210
Return on Equity (ROE)8.3820%2,977
Retained earnings to average equity (ytd only)8.3820%1,669
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8141%5,726
Assets per employee ($millions)7.4118%647
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6337%7,598
Loan loss allowance to noncurrent loans1,531.7460%284
Noncurrent assets plus other real estate owned to assets0.0243%7,555
Noncurrent loans to loans0.0414%7,424
Net loans and leases to total assets58.3313%5,888
Net loans and leases to deposits69.4771%6,029
Net loans and leases to core deposits82.5126%6,192
Total domestic deposits to total assets83.9576%3,732
Equity capital to assets9.3403%4,873
Core capital (leverage) ratio9.2957%4,253
Tier 1 risk-based capital ratio21.6818%1,341
Total risk-based capital ratio22.5503%1,373
Memoranda:
Average total assets$257,789,5002,567
Average earning assets$245,961,5002,487
Average equity$23,956,0002,772
Average total loans$153,992,0002,940
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3159%7,581
Cost of funding earning assets2.8677%2,404
Net interest margin2.4481%7,809
Noninterest income to average assets0.2594%6,596
Noninterest expense to average assets1.7326%7,832
Loan and lease loss provision to assets0.5414%2,660
Net operating income to assets0.3075%5,516
Return on assets (ROA)0.3093%5,326
Pretax return on assets0.3358%5,428
Return on Equity (ROE)3.4519%5,060
Retained earnings to average equity (ytd only)3.4519%2,993
Net charge-offs to loans0.0258%6,474
Credit loss provision to net charge-offs3,558.9744%141
Earnings coverage of net charge-offs (x)57.5385%691
Efficiency ratio66.4373%5,033
Assets per employee ($millions)7.1157%673
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.6101%7,660
Loan loss allowance to noncurrent loans233.9901%1,688
Noncurrent assets plus other real estate owned to assets0.1585%6,939
Noncurrent loans to loans0.2608%6,596
Net loans and leases to total assets60.4100%5,848
Net loans and leases to deposits71.8357%6,075
Net loans and leases to core deposits85.8544%6,144
Total domestic deposits to total assets84.0947%3,280
Equity capital to assets9.2448%5,010
Core capital (leverage) ratio9.2149%4,419
Tier 1 risk-based capital ratio21.2798%1,419
Total risk-based capital ratio22.1367%1,442
Memoranda:
Average total assets$256,381,0002,497
Average earning assets$245,943,0002,401
Average equity$22,972,6002,852
Average total loans$151,228,2002,905