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First Bank, Performance and Condition Ratios

2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9296%2,938
Cost of funding earning assets0.2946%4,176
Net interest margin3.6349%2,027
Noninterest income to average assets1.1489%819
Noninterest expense to average assets2.4299%3,053
Loan and lease loss provision to assets0.5189%452
Net operating income to assets1.1502%1,724
Return on assets (ROA)1.2441%1,508
Pretax return on assets1.5747%1,123
Return on Equity (ROE)9.1597%2,334
Retained earnings to average equity (ytd only)2.2789%3,715
Net charge-offs to loans0.0861%1,602
Credit loss provision to net charge-offs865.3742%853
Earnings coverage of net charge-offs (x)32.9313%1,538
Efficiency ratio53.8360%4,231
Assets per employee ($millions)6.6580%1,811
Cash dividends to net income (ytd only)*75.1199%789
Condition Ratios (%)
Loss allowance to loans1.0961%3,480
Loan loss allowance to noncurrent loans146.3556%2,830
Noncurrent assets plus other real estate owned to assets0.5242%1,979
Noncurrent loans to loans0.7489%1,832
Net loans and leases to total assets64.8413%2,250
Net loans and leases to deposits75.1620%2,369
Net loans and leases to core deposits79.9365%2,366
Total domestic deposits to total assets86.2687%2,245
Equity capital to assets12.8700%1,147
Core capital (leverage) ratio9.7472%2,845
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1773%1,789
Memoranda:
Average total assets$6,752,041,600196
Average earning assets$6,047,676,200201
Average equity$917,053,600175
Average total loans$4,701,219,000197
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0187%2,918
Cost of funding earning assets0.3349%4,126
Net interest margin3.6838%1,999
Noninterest income to average assets1.1371%814
Noninterest expense to average assets2.4460%3,002
Loan and lease loss provision to assets0.6248%392
Net operating income to assets1.0769%2,057
Return on assets (ROA)1.2046%1,749
Pretax return on assets1.5216%1,400
Return on Equity (ROE)8.7432%2,503
Retained earnings to average equity (ytd only)1.1243%4,214
Net charge-offs to loans0.0905%1,400
Credit loss provision to net charge-offs975.4011%843
Earnings coverage of net charge-offs (x)30.9868%1,552
Efficiency ratio53.8591%4,164
Assets per employee ($millions)6.3993%1,913
Cash dividends to net income (ytd only)*87.1412%469
Condition Ratios (%)
Loss allowance to loans1.0123%3,653
Loan loss allowance to noncurrent loans151.6746%2,686
Noncurrent assets plus other real estate owned to assets0.4982%2,214
Noncurrent loans to loans0.6674%2,117
Net loans and leases to total assets68.1345%2,225
Net loans and leases to deposits79.2511%2,396
Net loans and leases to core deposits84.7437%2,407
Total domestic deposits to total assets85.9730%2,084
Equity capital to assets13.1311%1,123
Core capital (leverage) ratio10.0210%2,702
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8605%1,872
Memoranda:
Average total assets$6,617,419,000195
Average earning assets$5,916,663,250200
Average equity$911,743,500175
Average total loans$4,681,608,000197
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1470%2,918
Cost of funding earning assets0.3908%4,071
Net interest margin3.7562%1,968
Noninterest income to average assets1.0489%902
Noninterest expense to average assets2.4815%3,014
Loan and lease loss provision to assets0.7695%323
Net operating income to assets0.9123%2,644
Return on assets (ROA)1.1108%2,056
Pretax return on assets1.3969%1,734
Return on Equity (ROE)7.9267%2,776
Retained earnings to average equity (ytd only)-3.5689%4,698
Net charge-offs to loans0.1707%871
Credit loss provision to net charge-offs631.0345%1,070
Earnings coverage of net charge-offs (x)15.7312%1,891
Efficiency ratio54.9708%4,065
Assets per employee ($millions)6.2403%1,997
Cash dividends to net income (ytd only)*145.0244%211
Condition Ratios (%)
Loss allowance to loans0.8813%4,075
Loan loss allowance to noncurrent loans118.5320%2,981
Noncurrent assets plus other real estate owned to assets0.5624%2,116
Noncurrent loans to loans0.7435%2,017
Net loans and leases to total assets69.1867%2,159
Net loans and leases to deposits81.3059%2,279
Net loans and leases to core deposits87.4289%2,311
Total domestic deposits to total assets85.0943%2,356
Equity capital to assets13.1133%1,115
Core capital (leverage) ratio9.9892%2,857
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7158%1,919
Memoranda:
Average total assets$6,468,300,000197
Average earning assets$5,770,618,333200
Average equity$906,429,667174
Average total loans$4,621,218,667192
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4562%2,431
Cost of funding earning assets0.4828%4,019
Net interest margin3.9734%1,462
Noninterest income to average assets0.9409%977
Noninterest expense to average assets2.6022%2,976
Loan and lease loss provision to assets0.3571%864
Net operating income to assets1.2074%1,492
Return on assets (ROA)1.2074%1,605
Pretax return on assets1.5147%1,267
Return on Equity (ROE)8.3223%2,376
Retained earnings to average equity (ytd only)-4.4040%4,471
Net charge-offs to loans0.2199%641
Credit loss provision to net charge-offs224.4980%1,353
Earnings coverage of net charge-offs (x)11.7663%1,722
Efficiency ratio56.6565%4,142
Assets per employee ($millions)5.8080%1,833
Cash dividends to net income (ytd only)*152.9181%446
Condition Ratios (%)
Loss allowance to loans0.5342%4,844
Loan loss allowance to noncurrent loans94.9093%3,319
Noncurrent assets plus other real estate owned to assets0.4594%2,631
Noncurrent loans to loans0.5628%2,589
Net loans and leases to total assets71.5282%1,994
Net loans and leases to deposits90.2095%1,481
Net loans and leases to core deposits98.6686%1,575
Total domestic deposits to total assets79.2912%3,997
Equity capital to assets14.2974%965
Core capital (leverage) ratio10.9791%2,497
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4135%2,108
Memoranda:
Average total assets$6,260,950,500199
Average earning assets$5,567,284,000198
Average equity$908,350,000175
Average total loans$4,529,598,000191
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6879%2,362
Cost of funding earning assets0.5859%3,691
Net interest margin4.1019%1,534
Noninterest income to average assets1.0185%937
Noninterest expense to average assets2.6137%3,136
Loan and lease loss provision to assets0.0375%3,261
Net operating income to assets1.5804%872
Return on assets (ROA)1.5817%926
Pretax return on assets1.9982%605
Return on Equity (ROE)11.0527%1,861
Retained earnings to average equity (ytd only)7.5986%1,121
Net charge-offs to loans0.0437%2,517
Credit loss provision to net charge-offs118.8550%2,132
Earnings coverage of net charge-offs (x)64.4070%942
Efficiency ratio54.5017%4,375
Assets per employee ($millions)5.6477%1,928
Cash dividends to net income (ytd only)*31.2516%3,023
Condition Ratios (%)
Loss allowance to loans0.4784%4,911
Loan loss allowance to noncurrent loans83.4946%3,536
Noncurrent assets plus other real estate owned to assets0.4801%2,493
Noncurrent loans to loans0.5729%2,471
Net loans and leases to total assets72.4495%2,018
Net loans and leases to deposits90.2232%1,564
Net loans and leases to core deposits99.1043%1,638
Total domestic deposits to total assets80.3003%3,914
Equity capital to assets14.7270%863
Core capital (leverage) ratio11.1742%2,361
Tier 1 risk-based capital ratio14.3807%3,077
Total risk-based capital ratio14.8579%3,368
Memoranda:
Average total assets$6,028,732,200197
Average earning assets$5,334,155,600197
Average equity$862,729,000175
Average total loans$4,358,642,400192
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7040%2,408
Cost of funding earning assets0.5922%3,736
Net interest margin4.1119%1,586
Noninterest income to average assets1.0290%878
Noninterest expense to average assets2.6144%3,124
Loan and lease loss provision to assets-0.0203%5,077
Net operating income to assets1.6357%852
Return on assets (ROA)1.6375%893
Pretax return on assets2.0715%589
Return on Equity (ROE)11.5284%1,795
Retained earnings to average equity (ytd only)7.8517%1,467
Net charge-offs to loans0.0267%2,559
Credit loss provision to net charge-offs-105.4273%4,081
Earnings coverage of net charge-offs (x)106.4732%718
Efficiency ratio54.2806%4,365
Assets per employee ($millions)5.5178%2,016
Cash dividends to net income (ytd only)*31.8929%2,513
Condition Ratios (%)
Loss allowance to loans0.4365%5,031
Loan loss allowance to noncurrent loans92.6630%3,446
Noncurrent assets plus other real estate owned to assets0.4146%2,855
Noncurrent loans to loans0.4710%2,890
Net loans and leases to total assets72.3870%2,117
Net loans and leases to deposits89.9988%1,696
Net loans and leases to core deposits99.7349%1,682
Total domestic deposits to total assets80.4311%3,881
Equity capital to assets14.6229%945
Core capital (leverage) ratio11.1407%2,522
Tier 1 risk-based capital ratio14.4055%3,136
Total risk-based capital ratio14.8509%3,438
Memoranda:
Average total assets$5,999,748,000200
Average earning assets$5,303,199,000201
Average equity$852,180,250178
Average total loans$4,330,008,500193
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7266%2,282
Cost of funding earning assets0.5913%3,694
Net interest margin4.1353%1,504
Noninterest income to average assets1.0274%827
Noninterest expense to average assets2.6442%3,077
Loan and lease loss provision to assets0.0064%3,601
Net operating income to assets1.6021%909
Return on assets (ROA)1.6021%950
Pretax return on assets2.0287%644
Return on Equity (ROE)11.3935%1,830
Retained earnings to average equity (ytd only)6.8718%1,865
Net charge-offs to loans0.0205%2,450
Credit loss provision to net charge-offs43.4389%2,517
Earnings coverage of net charge-offs (x)137.5905%531
Efficiency ratio54.6671%4,392
Assets per employee ($millions)5.5112%1,961
Cash dividends to net income (ytd only)*39.6867%2,221
Condition Ratios (%)
Loss allowance to loans0.4784%5,042
Loan loss allowance to noncurrent loans115.5137%3,076
Noncurrent assets plus other real estate owned to assets0.3803%2,987
Noncurrent loans to loans0.4141%3,052
Net loans and leases to total assets71.9300%2,223
Net loans and leases to deposits89.1135%1,844
Net loans and leases to core deposits99.0052%1,803
Total domestic deposits to total assets80.7173%3,889
Equity capital to assets14.3686%995
Core capital (leverage) ratio10.8021%2,787
Tier 1 risk-based capital ratio14.0029%3,320
Total risk-based capital ratio14.4851%3,627
Memoranda:
Average total assets$5,976,485,670202
Average earning assets$5,277,864,000201
Average equity$840,393,000181
Average total loans$4,302,407,000194
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6997%2,226
Cost of funding earning assets0.5850%3,650
Net interest margin4.1147%1,514
Noninterest income to average assets1.0033%803
Noninterest expense to average assets2.6324%3,114
Loan and lease loss provision to assets0.0336%2,961
Net operating income to assets1.5548%996
Return on assets (ROA)1.5548%1,023
Pretax return on assets1.9651%677
Return on Equity (ROE)11.1800%1,878
Retained earnings to average equity (ytd only)9.0078%1,319
Net charge-offs to loans0.0415%1,680
Credit loss provision to net charge-offs112.6126%1,476
Earnings coverage of net charge-offs (x)67.0541%862
Efficiency ratio54.4778%4,488
Assets per employee ($millions)5.5980%1,887
Cash dividends to net income (ytd only)*19.4301%2,480
Condition Ratios (%)
Loss allowance to loans0.4897%5,090
Loan loss allowance to noncurrent loans99.3407%3,382
Noncurrent assets plus other real estate owned to assets0.4291%2,866
Noncurrent loans to loans0.4930%2,837
Net loans and leases to total assets70.8333%2,355
Net loans and leases to deposits89.2208%1,727
Net loans and leases to core deposits100.1793%1,608
Total domestic deposits to total assets79.3910%4,278
Equity capital to assets13.8907%1,081
Core capital (leverage) ratio10.6285%2,916
Tier 1 risk-based capital ratio13.6536%3,518
Total risk-based capital ratio14.1427%3,828
Memoranda:
Average total assets$5,958,381,500201
Average earning assets$5,253,266,500202
Average equity$828,619,500183
Average total loans$4,280,751,000195
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5782%2,199
Cost of funding earning assets0.4214%3,848
Net interest margin4.1568%1,510
Noninterest income to average assets1.0901%781
Noninterest expense to average assets2.7722%2,780
Loan and lease loss provision to assets-0.0630%5,221
Net operating income to assets1.6248%825
Return on assets (ROA)1.6248%817
Pretax return on assets2.0647%478
Return on Equity (ROE)11.8890%1,752
Retained earnings to average equity (ytd only)9.8952%636
Net charge-offs to loans-0.0320%4,835
Credit loss provision to net charge-offs269.8496%1,111
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5833%4,461
Assets per employee ($millions)5.1360%2,343
Cash dividends to net income (ytd only)*16.7702%3,607
Condition Ratios (%)
Loss allowance to loans0.4946%5,129
Loan loss allowance to noncurrent loans90.8459%3,566
Noncurrent assets plus other real estate owned to assets0.5217%2,503
Noncurrent loans to loans0.5444%2,642
Net loans and leases to total assets72.1688%2,229
Net loans and leases to deposits90.7209%1,709
Net loans and leases to core deposits101.6767%1,603
Total domestic deposits to total assets79.5504%4,203
Equity capital to assets13.9234%996
Core capital (leverage) ratio10.4463%3,088
Tier 1 risk-based capital ratio13.4432%3,582
Total risk-based capital ratio13.9401%3,906
Memoranda:
Average total assets$5,697,607,400200
Average earning assets$5,049,187,800202
Average equity$778,663,800182
Average total loans$4,157,266,400195
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5320%2,183
Cost of funding earning assets0.3894%3,940
Net interest margin4.1426%1,514
Noninterest income to average assets1.1232%739
Noninterest expense to average assets2.8432%2,484
Loan and lease loss provision to assets-0.1009%5,350
Net operating income to assets1.5996%964
Return on assets (ROA)1.5996%969
Pretax return on assets2.0439%559
Return on Equity (ROE)11.7619%1,882
Retained earnings to average equity (ytd only)9.7337%995
Net charge-offs to loans-0.0494%4,927
Credit loss provision to net charge-offs279.8693%1,077
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9069%4,264
Assets per employee ($millions)5.1558%2,269
Cash dividends to net income (ytd only)*17.2432%3,116
Condition Ratios (%)
Loss allowance to loans0.4895%5,200
Loan loss allowance to noncurrent loans108.7435%3,311
Noncurrent assets plus other real estate owned to assets0.4382%2,930
Noncurrent loans to loans0.4501%3,043
Net loans and leases to total assets73.1144%2,145
Net loans and leases to deposits92.1862%1,596
Net loans and leases to core deposits103.4798%1,491
Total domestic deposits to total assets79.3117%4,251
Equity capital to assets13.9230%982
Core capital (leverage) ratio10.3101%3,280
Tier 1 risk-based capital ratio13.1515%3,811
Total risk-based capital ratio13.6469%4,148
Memoranda:
Average total assets$5,655,688,750203
Average earning assets$5,000,899,250204
Average equity$769,167,750182
Average total loans$4,133,096,750196
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4982%2,090
Cost of funding earning assets0.3575%4,025
Net interest margin4.1407%1,443
Noninterest income to average assets1.1410%742
Noninterest expense to average assets2.8980%2,361
Loan and lease loss provision to assets-0.1550%5,454
Net operating income to assets1.5974%923
Return on assets (ROA)1.5974%927
Pretax return on assets2.0486%545
Return on Equity (ROE)11.8406%1,783
Retained earnings to average equity (ytd only)9.8155%980
Net charge-offs to loans-0.2125%5,332
Credit loss provision to net charge-offs100.0000%2,011
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9512%4,239
Assets per employee ($millions)5.3052%2,098
Cash dividends to net income (ytd only)*17.1035%3,090
Condition Ratios (%)
Loss allowance to loans0.5602%5,176
Loan loss allowance to noncurrent loans89.7561%3,656
Noncurrent assets plus other real estate owned to assets0.5989%2,425
Noncurrent loans to loans0.6241%2,549
Net loans and leases to total assets72.3173%2,225
Net loans and leases to deposits90.6883%1,752
Net loans and leases to core deposits101.0839%1,648
Total domestic deposits to total assets79.7427%4,298
Equity capital to assets13.5852%1,068
Core capital (leverage) ratio10.0143%3,562
Tier 1 risk-based capital ratio12.5726%4,139
Total risk-based capital ratio13.1288%4,452
Memoranda:
Average total assets$5,636,709,000199
Average earning assets$4,969,478,000202
Average equity$760,433,670182
Average total loans$4,111,695,000195
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4625%1,984
Cost of funding earning assets0.3248%4,173
Net interest margin4.1377%1,341
Noninterest income to average assets1.1435%711
Noninterest expense to average assets3.0912%1,851
Loan and lease loss provision to assets-0.2616%5,563
Net operating income to assets1.5309%1,006
Return on assets (ROA)1.5309%1,012
Pretax return on assets1.9621%627
Return on Equity (ROE)11.3888%1,810
Retained earnings to average equity (ytd only)9.6605%1,267
Net charge-offs to loans-0.3580%5,470
Credit loss provision to net charge-offs100.0000%1,540
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0161%3,778
Assets per employee ($millions)5.3191%2,123
Cash dividends to net income (ytd only)*15.1756%2,495
Condition Ratios (%)
Loss allowance to loans0.5655%5,244
Loan loss allowance to noncurrent loans104.3210%3,382
Noncurrent assets plus other real estate owned to assets0.5961%2,530
Noncurrent loans to loans0.5420%2,903
Net loans and leases to total assets72.5947%2,078
Net loans and leases to deposits91.0057%1,560
Net loans and leases to core deposits100.8110%1,629
Total domestic deposits to total assets79.7694%4,451
Equity capital to assets13.4434%1,056
Core capital (leverage) ratio9.8652%3,694
Tier 1 risk-based capital ratio12.2060%4,430
Total risk-based capital ratio12.7680%4,746
Memoranda:
Average total assets$5,595,546,000201
Average earning assets$4,933,638,000202
Average equity$752,180,000184
Average total loans$4,087,967,000195
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3944%2,040
Cost of funding earning assets0.2678%4,416
Net interest margin4.1265%1,357
Noninterest income to average assets1.0880%858
Noninterest expense to average assets3.1593%1,702
Loan and lease loss provision to assets0.0159%3,974
Net operating income to assets1.0593%2,024
Return on assets (ROA)1.0545%2,066
Pretax return on assets1.5691%1,385
Return on Equity (ROE)8.5348%2,527
Retained earnings to average equity (ytd only)-0.8533%5,168
Net charge-offs to loans0.0357%3,082
Credit loss provision to net charge-offs59.9502%3,217
Earnings coverage of net charge-offs (x)60.0182%956
Efficiency ratio64.5280%3,528
Assets per employee ($millions)4.8662%2,650
Cash dividends to net income (ytd only)*109.9981%257
Condition Ratios (%)
Loss allowance to loans0.5745%5,288
Loan loss allowance to noncurrent loans108.0161%3,386
Noncurrent assets plus other real estate owned to assets0.6154%2,485
Noncurrent loans to loans0.5318%2,909
Net loans and leases to total assets72.6884%2,137
Net loans and leases to deposits91.3636%1,605
Net loans and leases to core deposits100.7306%1,658
Total domestic deposits to total assets79.5595%4,433
Equity capital to assets13.4416%1,084
Core capital (leverage) ratio9.5653%3,953
Tier 1 risk-based capital ratio11.9100%4,590
Total risk-based capital ratio12.4759%4,904
Memoranda:
Average total assets$4,546,058,600223
Average earning assets$4,036,027,000232
Average equity$561,689,200214
Average total loans$3,381,550,400221
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3289%2,181
Cost of funding earning assets0.2474%4,588
Net interest margin4.0816%1,439
Noninterest income to average assets1.0726%887
Noninterest expense to average assets3.1184%1,754
Loan and lease loss provision to assets0.0224%3,696
Net operating income to assets1.0458%2,351
Return on assets (ROA)1.0391%2,411
Pretax return on assets1.5588%1,550
Return on Equity (ROE)8.6553%2,783
Retained earnings to average equity (ytd only)0.3607%5,137
Net charge-offs to loans-0.0037%4,404
Credit loss provision to net charge-offs-812.3596%4,915
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5589%3,442
Assets per employee ($millions)4.5536%3,044
Cash dividends to net income (ytd only)*95.8330%361
Condition Ratios (%)
Loss allowance to loans0.7133%5,109
Loan loss allowance to noncurrent loans103.3363%3,472
Noncurrent assets plus other real estate owned to assets0.7216%2,346
Noncurrent loans to loans0.6903%2,637
Net loans and leases to total assets74.5035%1,836
Net loans and leases to deposits93.5171%1,351
Net loans and leases to core deposits103.7110%1,407
Total domestic deposits to total assets79.6683%4,401
Equity capital to assets12.2474%1,810
Core capital (leverage) ratio9.6419%3,996
Tier 1 risk-based capital ratio11.6354%4,860
Total risk-based capital ratio12.3365%5,089
Memoranda:
Average total assets$4,295,700,750241
Average earning assets$3,827,847,500242
Average equity$515,694,250223
Average total loans$3,213,018,250228
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2326%2,349
Cost of funding earning assets0.2264%4,748
Net interest margin4.0061%1,585
Noninterest income to average assets1.0530%916
Noninterest expense to average assets3.1640%1,674
Loan and lease loss provision to assets0.0345%3,305
Net operating income to assets0.9547%2,635
Return on assets (ROA)0.9444%2,754
Pretax return on assets1.4161%1,946
Return on Equity (ROE)7.9249%3,074
Retained earnings to average equity (ytd only)-4.0074%5,490
Net charge-offs to loans0.0306%2,596
Credit loss provision to net charge-offs150.9395%1,513
Earnings coverage of net charge-offs (x)64.2150%904
Efficiency ratio66.6814%3,231
Assets per employee ($millions)4.5039%3,099
Cash dividends to net income (ytd only)*150.5678%157
Condition Ratios (%)
Loss allowance to loans0.7088%5,188
Loan loss allowance to noncurrent loans103.4446%3,507
Noncurrent assets plus other real estate owned to assets0.7597%2,310
Noncurrent loans to loans0.6852%2,700
Net loans and leases to total assets74.2782%1,814
Net loans and leases to deposits92.1421%1,471
Net loans and leases to core deposits100.8815%1,591
Total domestic deposits to total assets80.6127%4,281
Equity capital to assets12.1513%1,829
Core capital (leverage) ratio9.6794%3,921
Tier 1 risk-based capital ratio11.7978%4,759
Total risk-based capital ratio12.5011%5,002
Memoranda:
Average total assets$4,196,074,670243
Average earning assets$3,746,699,330246
Average equity$500,020,000231
Average total loans$3,134,785,670232
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0507%2,850
Cost of funding earning assets0.2003%4,972
Net interest margin3.8504%1,952
Noninterest income to average assets1.0066%991
Noninterest expense to average assets3.1518%1,736
Loan and lease loss provision to assets0.0718%2,369
Net operating income to assets0.8169%3,144
Return on assets (ROA)0.7953%3,298
Pretax return on assets1.1924%2,624
Return on Equity (ROE)6.7488%3,520
Retained earnings to average equity (ytd only)-16.4904%5,685
Net charge-offs to loans0.1274%1,157
Credit loss provision to net charge-offs75.4697%1,787
Earnings coverage of net charge-offs (x)13.6294%1,771
Efficiency ratio69.5699%2,960
Assets per employee ($millions)4.4038%3,325
Cash dividends to net income (ytd only)*344.3446%80
Condition Ratios (%)
Loss allowance to loans0.7132%5,277
Loan loss allowance to noncurrent loans85.8466%3,878
Noncurrent assets plus other real estate owned to assets0.9051%2,045
Noncurrent loans to loans0.8308%2,378
Net loans and leases to total assets73.7699%1,781
Net loans and leases to deposits90.1296%1,517
Net loans and leases to core deposits98.7087%1,607
Total domestic deposits to total assets81.8487%4,208
Equity capital to assets12.1355%1,748
Core capital (leverage) ratio10.8532%2,536
Tier 1 risk-based capital ratio11.7257%4,896
Total risk-based capital ratio12.4343%5,107
Memoranda:
Average total assets$4,028,668,000253
Average earning assets$3,600,974,000256
Average equity$474,750,000240
Average total loans$3,007,435,000239
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1837%2,540
Cost of funding earning assets0.2041%4,976
Net interest margin3.9796%1,697
Noninterest income to average assets0.7444%1,977
Noninterest expense to average assets3.0314%2,251
Loan and lease loss provision to assets-0.0007%5,453
Net operating income to assets0.8502%3,066
Return on assets (ROA)0.8502%3,178
Pretax return on assets1.3026%2,273
Return on Equity (ROE)7.3850%3,279
Retained earnings to average equity (ytd only)5.1332%2,256
Net charge-offs to loans0.1430%1,830
Credit loss provision to net charge-offs-0.6168%4,718
Earnings coverage of net charge-offs (x)12.1209%2,482
Efficiency ratio69.1499%3,048
Assets per employee ($millions)4.3698%3,331
Cash dividends to net income (ytd only)*30.4909%3,294
Condition Ratios (%)
Loss allowance to loans0.8764%4,872
Loan loss allowance to noncurrent loans86.5771%3,885
Noncurrent assets plus other real estate owned to assets1.0238%1,852
Noncurrent loans to loans1.0123%2,064
Net loans and leases to total assets74.4244%1,778
Net loans and leases to deposits91.0940%1,563
Net loans and leases to core deposits100.6738%1,564
Total domestic deposits to total assets81.7006%4,148
Equity capital to assets11.3524%2,292
Core capital (leverage) ratio10.0953%3,377
Tier 1 risk-based capital ratio12.4031%4,440
Total risk-based capital ratio13.2693%4,598
Memoranda:
Average total assets$3,471,629,800271
Average earning assets$3,130,818,000275
Average equity$399,691,000257
Average total loans$2,607,829,400255
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2013%2,507
Cost of funding earning assets0.2030%5,042
Net interest margin3.9983%1,656
Noninterest income to average assets0.6318%2,510
Noninterest expense to average assets3.0034%2,315
Loan and lease loss provision to assets-0.0009%5,621
Net operating income to assets0.8019%3,356
Return on assets (ROA)0.8019%3,500
Pretax return on assets1.2369%2,669
Return on Equity (ROE)6.9400%3,592
Retained earnings to average equity (ytd only)4.6734%3,041
Net charge-offs to loans0.1516%1,480
Credit loss provision to net charge-offs-0.7836%4,589
Earnings coverage of net charge-offs (x)10.8531%2,542
Efficiency ratio70.0813%2,873
Assets per employee ($millions)4.2657%3,473
Cash dividends to net income (ytd only)*32.6608%2,709
Condition Ratios (%)
Loss allowance to loans0.9252%4,781
Loan loss allowance to noncurrent loans74.9329%4,148
Noncurrent assets plus other real estate owned to assets1.2131%1,636
Noncurrent loans to loans1.2348%1,817
Net loans and leases to total assets74.4137%1,805
Net loans and leases to deposits90.2451%1,722
Net loans and leases to core deposits100.6349%1,576
Total domestic deposits to total assets82.4573%3,794
Equity capital to assets11.5106%2,504
Core capital (leverage) ratio10.1551%3,375
Tier 1 risk-based capital ratio12.4927%4,486
Total risk-based capital ratio13.4105%4,595
Memoranda:
Average total assets$3,436,072,750267
Average earning assets$3,100,355,500272
Average equity$397,048,500258
Average total loans$2,581,443,500254
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2595%2,303
Cost of funding earning assets0.2035%5,108
Net interest margin4.0560%1,493
Noninterest income to average assets0.6490%2,373
Noninterest expense to average assets2.9470%2,527
Loan and lease loss provision to assets-0.0014%5,740
Net operating income to assets0.9075%2,824
Return on assets (ROA)0.9075%2,958
Pretax return on assets1.3660%2,144
Return on Equity (ROE)7.8432%3,065
Retained earnings to average equity (ytd only)5.5573%2,390
Net charge-offs to loans0.1985%1,153
Credit loss provision to net charge-offs-0.9066%4,432
Earnings coverage of net charge-offs (x)9.1514%2,443
Efficiency ratio67.7409%3,391
Assets per employee ($millions)4.1053%3,732
Cash dividends to net income (ytd only)*29.1451%2,876
Condition Ratios (%)
Loss allowance to loans0.9998%4,528
Loan loss allowance to noncurrent loans68.5267%4,395
Noncurrent assets plus other real estate owned to assets1.4021%1,406
Noncurrent loans to loans1.4589%1,515
Net loans and leases to total assets74.3716%1,761
Net loans and leases to deposits89.5635%1,805
Net loans and leases to core deposits98.0329%1,803
Total domestic deposits to total assets83.0379%3,639
Equity capital to assets11.6527%2,402
Core capital (leverage) ratio10.3040%3,193
Tier 1 risk-based capital ratio12.9847%4,209
Total risk-based capital ratio13.9984%4,255
Memoranda:
Average total assets$3,402,668,670270
Average earning assets$3,072,690,670272
Average equity$393,715,000261
Average total loans$2,556,573,330256
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2117%2,424
Cost of funding earning assets0.2079%5,126
Net interest margin4.0038%1,602
Noninterest income to average assets0.6046%2,503
Noninterest expense to average assets2.8707%2,807
Loan and lease loss provision to assets0.0306%3,254
Net operating income to assets0.8847%2,831
Return on assets (ROA)0.8847%2,957
Pretax return on assets1.3193%2,227
Return on Equity (ROE)7.6739%3,099
Retained earnings to average equity (ytd only)5.3584%2,737
Net charge-offs to loans0.3463%644
Credit loss provision to net charge-offs11.7647%2,352
Earnings coverage of net charge-offs (x)5.1883%2,352
Efficiency ratio67.4940%3,545
Assets per employee ($millions)4.1547%3,667
Cash dividends to net income (ytd only)*30.1730%2,365
Condition Ratios (%)
Loss allowance to loans1.0479%4,346
Loan loss allowance to noncurrent loans64.3501%4,457
Noncurrent assets plus other real estate owned to assets1.5301%1,323
Noncurrent loans to loans1.6284%1,411
Net loans and leases to total assets74.4079%1,659
Net loans and leases to deposits88.8756%1,716
Net loans and leases to core deposits96.4209%1,755
Total domestic deposits to total assets83.7214%3,630
Equity capital to assets11.6048%2,345
Core capital (leverage) ratio10.3323%3,152
Tier 1 risk-based capital ratio13.3218%4,084
Total risk-based capital ratio14.3905%4,092
Memoranda:
Average total assets$3,371,550,000272
Average earning assets$3,045,027,500271
Average equity$388,695,500263
Average total loans$2,533,395,500257
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3372%2,101
Cost of funding earning assets0.2012%5,277
Net interest margin4.1360%1,321
Noninterest income to average assets0.5838%2,810
Noninterest expense to average assets2.9517%2,697
Loan and lease loss provision to assets-0.0240%5,674
Net operating income to assets0.8958%2,896
Return on assets (ROA)0.8958%2,976
Pretax return on assets1.3650%2,052
Return on Equity (ROE)7.0330%3,497
Retained earnings to average equity (ytd only)-10.4458%6,043
Net charge-offs to loans0.4603%595
Credit loss provision to net charge-offs-6.9253%4,938
Earnings coverage of net charge-offs (x)3.8772%3,646
Efficiency ratio68.2441%3,520
Assets per employee ($millions)4.1394%3,681
Cash dividends to net income (ytd only)*248.5260%62
Condition Ratios (%)
Loss allowance to loans1.1326%3,852
Loan loss allowance to noncurrent loans59.7846%4,642
Noncurrent assets plus other real estate owned to assets1.7198%1,126
Noncurrent loans to loans1.8944%1,131
Net loans and leases to total assets74.2342%1,690
Net loans and leases to deposits88.6157%1,795
Net loans and leases to core deposits96.5955%1,788
Total domestic deposits to total assets83.7709%3,574
Equity capital to assets11.4521%2,397
Core capital (leverage) ratio10.3190%3,136
Tier 1 risk-based capital ratio13.2199%4,156
Total risk-based capital ratio14.3552%4,161
Memoranda:
Average total assets$3,256,443,200261
Average earning assets$2,920,133,200266
Average equity$414,789,800238
Average total loans$2,447,046,000248
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3713%2,008
Cost of funding earning assets0.2022%5,353
Net interest margin4.1691%1,236
Noninterest income to average assets0.5458%3,071
Noninterest expense to average assets2.9327%2,730
Loan and lease loss provision to assets-0.0304%5,875
Net operating income to assets0.9030%2,952
Return on assets (ROA)0.9030%3,033
Pretax return on assets1.3772%2,112
Return on Equity (ROE)6.9078%3,676
Retained earnings to average equity (ytd only)-5.3278%6,029
Net charge-offs to loans0.5400%428
Credit loss provision to net charge-offs-7.4944%4,843
Earnings coverage of net charge-offs (x)3.3179%3,516
Efficiency ratio68.0086%3,537
Assets per employee ($millions)4.0647%3,772
Cash dividends to net income (ytd only)*177.1267%91
Condition Ratios (%)
Loss allowance to loans1.2091%3,597
Loan loss allowance to noncurrent loans62.9820%4,598
Noncurrent assets plus other real estate owned to assets1.7907%1,201
Noncurrent loans to loans1.9198%1,206
Net loans and leases to total assets75.0465%1,538
Net loans and leases to deposits90.5339%1,579
Net loans and leases to core deposits97.9043%1,703
Total domestic deposits to total assets82.8933%3,848
Equity capital to assets12.6546%1,650
Core capital (leverage) ratio11.2552%2,242
Tier 1 risk-based capital ratio14.6838%3,448
Total risk-based capital ratio15.9144%3,397
Memoranda:
Average total assets$3,230,260,000268
Average earning assets$2,892,897,250273
Average equity$422,255,750240
Average total loans$2,427,876,000252
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3698%1,946
Cost of funding earning assets0.2024%5,414
Net interest margin4.1674%1,179
Noninterest income to average assets0.6003%2,738
Noninterest expense to average assets2.9133%2,850
Loan and lease loss provision to assets0.0421%3,269
Net operating income to assets0.8951%2,902
Return on assets (ROA)0.8951%3,032
Pretax return on assets1.3641%2,130
Return on Equity (ROE)6.7739%3,746
Retained earnings to average equity (ytd only)-10.4032%6,183
Net charge-offs to loans0.7650%292
Credit loss provision to net charge-offs7.3483%3,116
Earnings coverage of net charge-offs (x)2.4546%3,338
Efficiency ratio66.9272%3,849
Assets per employee ($millions)3.9854%3,912
Cash dividends to net income (ytd only)*253.5779%67
Condition Ratios (%)
Loss allowance to loans1.3269%3,101
Loan loss allowance to noncurrent loans62.3095%4,689
Noncurrent assets plus other real estate owned to assets1.9737%1,125
Noncurrent loans to loans2.1295%1,127
Net loans and leases to total assets74.2898%1,616
Net loans and leases to deposits89.7323%1,633
Net loans and leases to core deposits97.4858%1,691
Total domestic deposits to total assets82.7905%4,035
Equity capital to assets12.7119%1,538
Core capital (leverage) ratio11.2347%2,218
Tier 1 risk-based capital ratio14.9001%3,414
Total risk-based capital ratio16.1514%3,345
Memoranda:
Average total assets$3,216,313,330268
Average earning assets$2,870,479,330274
Average equity$424,983,670240
Average total loans$2,408,617,330255
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3824%1,829
Cost of funding earning assets0.2097%5,423
Net interest margin4.1728%1,123
Noninterest income to average assets0.5702%2,830
Noninterest expense to average assets2.8616%3,031
Loan and lease loss provision to assets-0.0204%6,121
Net operating income to assets0.9492%2,516
Return on assets (ROA)0.9492%2,648
Pretax return on assets1.4517%1,719
Return on Equity (ROE)7.0500%3,482
Retained earnings to average equity (ytd only)4.9729%3,069
Net charge-offs to loans0.7432%318
Credit loss provision to net charge-offs-3.6722%4,288
Earnings coverage of net charge-offs (x)2.5786%2,732
Efficiency ratio66.1378%4,135
Assets per employee ($millions)4.0287%3,902
Cash dividends to net income (ytd only)*29.4618%2,358
Condition Ratios (%)
Loss allowance to loans1.4971%2,455
Loan loss allowance to noncurrent loans64.2648%4,592
Noncurrent assets plus other real estate owned to assets2.0829%1,115
Noncurrent loans to loans2.3296%1,059
Net loans and leases to total assets73.5773%1,561
Net loans and leases to deposits87.7543%1,638
Net loans and leases to core deposits96.2734%1,596
Total domestic deposits to total assets83.8447%3,875
Equity capital to assets13.5504%1,152
Core capital (leverage) ratio12.1081%1,571
Tier 1 risk-based capital ratio16.3185%2,775
Total risk-based capital ratio17.5721%2,711
Memoranda:
Average total assets$3,218,342,000265
Average earning assets$2,871,191,500272
Average equity$433,305,500239
Average total loans$2,403,691,500254
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8884%942
Cost of funding earning assets0.2523%5,301
Net interest margin4.6362%580
Noninterest income to average assets0.4280%3,985
Noninterest expense to average assets2.9333%3,045
Loan and lease loss provision to assets0.3151%638
Net operating income to assets0.8293%3,228
Return on assets (ROA)0.8451%3,237
Pretax return on assets1.3025%2,234
Return on Equity (ROE)6.4667%3,921
Retained earnings to average equity (ytd only)4.3381%3,099
Net charge-offs to loans0.7408%489
Credit loss provision to net charge-offs56.4070%3,351
Earnings coverage of net charge-offs (x)2.8524%4,047
Efficiency ratio64.2702%4,552
Assets per employee ($millions)4.0323%3,882
Cash dividends to net income (ytd only)*32.9152%3,234
Condition Ratios (%)
Loss allowance to loans1.6906%1,797
Loan loss allowance to noncurrent loans67.0684%4,598
Noncurrent assets plus other real estate owned to assets2.2592%1,072
Noncurrent loans to loans2.5208%1,007
Net loans and leases to total assets73.4164%1,684
Net loans and leases to deposits87.4560%1,797
Net loans and leases to core deposits96.9463%1,642
Total domestic deposits to total assets83.9468%3,737
Equity capital to assets13.3768%1,203
Core capital (leverage) ratio11.5481%1,946
Tier 1 risk-based capital ratio16.2590%2,829
Total risk-based capital ratio17.5160%2,776
Memoranda:
Average total assets$3,235,568,800255
Average earning assets$2,860,428,800258
Average equity$422,830,200230
Average total loans$2,439,831,400235
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9922%782
Cost of funding earning assets0.2597%5,306
Net interest margin4.7325%474
Noninterest income to average assets0.3829%4,375
Noninterest expense to average assets2.9906%2,832
Loan and lease loss provision to assets0.3588%487
Net operating income to assets0.7840%3,492
Return on assets (ROA)0.8049%3,503
Pretax return on assets1.2400%2,612
Return on Equity (ROE)6.1957%4,134
Retained earnings to average equity (ytd only)4.0576%3,761
Net charge-offs to loans0.7128%487
Credit loss provision to net charge-offs66.5928%2,824
Earnings coverage of net charge-offs (x)2.9077%3,794
Efficiency ratio65.0976%4,355
Assets per employee ($millions)3.8963%4,097
Cash dividends to net income (ytd only)*34.5092%2,599
Condition Ratios (%)
Loss allowance to loans1.8141%1,664
Loan loss allowance to noncurrent loans68.8493%4,514
Noncurrent assets plus other real estate owned to assets2.4739%1,078
Noncurrent loans to loans2.6348%1,088
Net loans and leases to total assets74.7613%1,402
Net loans and leases to deposits88.9964%1,556
Net loans and leases to core deposits99.5014%1,415
Total domestic deposits to total assets84.0048%3,765
Equity capital to assets13.3772%1,246
Core capital (leverage) ratio11.3204%2,199
Tier 1 risk-based capital ratio15.8071%3,156
Total risk-based capital ratio17.0658%3,093
Memoranda:
Average total assets$3,240,017,500252
Average earning assets$2,857,824,250253
Average equity$420,928,750227
Average total loans$2,449,039,000230
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1469%560
Cost of funding earning assets0.2649%5,336
Net interest margin4.8820%354
Noninterest income to average assets0.2844%5,144
Noninterest expense to average assets2.8950%3,181
Loan and lease loss provision to assets0.4445%366
Net operating income to assets0.7999%3,336
Return on assets (ROA)0.8312%3,266
Pretax return on assets1.2843%2,319
Return on Equity (ROE)6.4608%3,905
Retained earnings to average equity (ytd only)4.3116%3,424
Net charge-offs to loans0.8102%470
Credit loss provision to net charge-offs72.7547%2,419
Earnings coverage of net charge-offs (x)2.7510%3,475
Efficiency ratio62.7483%4,901
Assets per employee ($millions)3.8746%4,121
Cash dividends to net income (ytd only)*33.2643%2,660
Condition Ratios (%)
Loss allowance to loans1.8760%1,633
Loan loss allowance to noncurrent loans66.8838%4,604
Noncurrent assets plus other real estate owned to assets2.6866%997
Noncurrent loans to loans2.8049%1,072
Net loans and leases to total assets73.3352%1,529
Net loans and leases to deposits86.7847%1,739
Net loans and leases to core deposits98.3886%1,414
Total domestic deposits to total assets84.5025%3,722
Equity capital to assets12.9712%1,386
Core capital (leverage) ratio11.0801%2,354
Tier 1 risk-based capital ratio15.7812%3,204
Total risk-based capital ratio17.0410%3,136
Memoranda:
Average total assets$3,255,037,000251
Average earning assets$2,861,167,000252
Average equity$418,773,330226
Average total loans$2,454,477,670226
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2860%421
Cost of funding earning assets0.2655%5,437
Net interest margin5.0206%261
Noninterest income to average assets0.0417%6,504
Noninterest expense to average assets2.8372%3,426
Loan and lease loss provision to assets0.4401%362
Net operating income to assets0.7621%3,346
Return on assets (ROA)0.7621%3,432
Pretax return on assets1.1693%2,619
Return on Equity (ROE)5.9483%4,049
Retained earnings to average equity (ytd only)3.7865%3,856
Net charge-offs to loans0.6425%573
Credit loss provision to net charge-offs90.4376%1,796
Earnings coverage of net charge-offs (x)3.3074%2,703
Efficiency ratio63.2689%4,962
Assets per employee ($millions)3.8807%4,174
Cash dividends to net income (ytd only)*36.3431%2,114
Condition Ratios (%)
Loss allowance to loans1.9623%1,593
Loan loss allowance to noncurrent loans63.2293%4,728
Noncurrent assets plus other real estate owned to assets3.2394%832
Noncurrent loans to loans3.1034%1,011
Net loans and leases to total assets72.5531%1,487
Net loans and leases to deposits86.1259%1,594
Net loans and leases to core deposits98.1039%1,231
Total domestic deposits to total assets84.2408%4,192
Equity capital to assets12.6256%1,508
Core capital (leverage) ratio11.1921%2,230
Tier 1 risk-based capital ratio15.4618%3,461
Total risk-based capital ratio16.7228%3,416
Memoranda:
Average total assets$3,249,406,500248
Average earning assets$2,850,902,500251
Average equity$416,321,500229
Average total loans$2,461,145,000227
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3352%497
Cost of funding earning assets0.3602%5,050
Net interest margin4.9749%321
Noninterest income to average assets0.7098%2,488
Noninterest expense to average assets2.9343%3,263
Loan and lease loss provision to assets0.9491%195
Net operating income to assets0.6901%3,838
Return on assets (ROA)0.7007%3,875
Pretax return on assets1.1070%2,927
Return on Equity (ROE)5.5873%4,336
Retained earnings to average equity (ytd only)2.9916%4,114
Net charge-offs to loans1.1716%459
Credit loss provision to net charge-offs107.3756%2,232
Earnings coverage of net charge-offs (x)2.3074%4,240
Efficiency ratio58.4588%5,682
Assets per employee ($millions)3.6860%4,512
Cash dividends to net income (ytd only)*46.4561%2,463
Condition Ratios (%)
Loss allowance to loans1.9640%1,638
Loan loss allowance to noncurrent loans61.2785%4,814
Noncurrent assets plus other real estate owned to assets3.6394%781
Noncurrent loans to loans3.2051%1,048
Net loans and leases to total assets76.0249%1,070
Net loans and leases to deposits87.8342%1,481
Net loans and leases to core deposits98.8908%1,242
Total domestic deposits to total assets86.5551%2,967
Equity capital to assets13.0064%1,270
Core capital (leverage) ratio11.0961%2,297
Tier 1 risk-based capital ratio15.4239%3,422
Total risk-based capital ratio16.6854%3,362
Memoranda:
Average total assets$3,225,798,200238
Average earning assets$2,764,867,400246
Average equity$404,527,200228
Average total loans$2,433,576,800211
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3083%524
Cost of funding earning assets0.3816%4,987
Net interest margin4.9267%355
Noninterest income to average assets0.6815%2,729
Noninterest expense to average assets2.9304%3,210
Loan and lease loss provision to assets0.8949%198
Net operating income to assets0.6638%4,049
Return on assets (ROA)0.6785%4,105
Pretax return on assets1.0826%3,182
Return on Equity (ROE)5.4608%4,482
Retained earnings to average equity (ytd only)2.8081%4,638
Net charge-offs to loans1.1235%500
Credit loss provision to net charge-offs106.3090%2,205
Earnings coverage of net charge-offs (x)2.3218%4,064
Efficiency ratio59.4513%5,504
Assets per employee ($millions)3.6250%4,610
Cash dividends to net income (ytd only)*48.5761%1,936
Condition Ratios (%)
Loss allowance to loans1.9500%1,852
Loan loss allowance to noncurrent loans54.2288%5,045
Noncurrent assets plus other real estate owned to assets4.1690%744
Noncurrent loans to loans3.5958%1,049
Net loans and leases to total assets75.6039%1,054
Net loans and leases to deposits87.3322%1,452
Net loans and leases to core deposits97.2248%1,294
Total domestic deposits to total assets86.5704%2,923
Equity capital to assets12.7778%1,436
Core capital (leverage) ratio10.8835%2,583
Tier 1 risk-based capital ratio15.2426%3,596
Total risk-based capital ratio16.5035%3,546
Memoranda:
Average total assets$3,236,079,500233
Average earning assets$2,760,911,000244
Average equity$402,106,000227
Average total loans$2,424,558,250207
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3027%522
Cost of funding earning assets0.4005%4,941
Net interest margin4.9022%367
Noninterest income to average assets0.7033%2,618
Noninterest expense to average assets2.9401%3,200
Loan and lease loss provision to assets1.0278%177
Net operating income to assets0.5919%4,331
Return on assets (ROA)0.5922%4,514
Pretax return on assets0.9130%3,859
Return on Equity (ROE)4.8099%4,821
Retained earnings to average equity (ytd only)2.0671%4,963
Net charge-offs to loans1.1163%534
Credit loss provision to net charge-offs124.0643%1,815
Earnings coverage of net charge-offs (x)2.3422%3,736
Efficiency ratio59.7152%5,519
Assets per employee ($millions)3.6940%4,412
Cash dividends to net income (ytd only)*57.0244%1,591
Condition Ratios (%)
Loss allowance to loans2.0390%1,767
Loan loss allowance to noncurrent loans54.2719%5,021
Noncurrent assets plus other real estate owned to assets4.2781%782
Noncurrent loans to loans3.7571%1,085
Net loans and leases to total assets73.4599%1,332
Net loans and leases to deposits84.4830%1,737
Net loans and leases to core deposits94.9851%1,444
Total domestic deposits to total assets86.9523%2,845
Equity capital to assets12.4075%1,636
Core capital (leverage) ratio10.5635%2,807
Tier 1 risk-based capital ratio15.2123%3,643
Total risk-based capital ratio16.4747%3,599
Memoranda:
Average total assets$3,257,490,000231
Average earning assets$2,775,660,000241
Average equity$401,044,000229
Average total loans$2,417,500,330206
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0575%809
Cost of funding earning assets0.4197%4,913
Net interest margin4.6378%533
Noninterest income to average assets0.8690%1,870
Noninterest expense to average assets2.7710%3,799
Loan and lease loss provision to assets1.3668%109
Net operating income to assets0.4483%4,919
Return on assets (ROA)0.4483%5,080
Pretax return on assets0.6759%4,674
Return on Equity (ROE)3.6558%5,267
Retained earnings to average equity (ytd only)0.9067%5,484
Net charge-offs to loans1.2889%435
Credit loss provision to net charge-offs143.6357%1,410
Earnings coverage of net charge-offs (x)2.1466%3,115
Efficiency ratio57.0574%5,953
Assets per employee ($millions)3.8323%4,290
Cash dividends to net income (ytd only)*75.1982%971
Condition Ratios (%)
Loss allowance to loans2.0733%1,861
Loan loss allowance to noncurrent loans55.2364%4,924
Noncurrent assets plus other real estate owned to assets4.2802%887
Noncurrent loans to loans3.7535%1,240
Net loans and leases to total assets71.6870%1,402
Net loans and leases to deposits82.1665%1,805
Net loans and leases to core deposits92.8818%1,423
Total domestic deposits to total assets87.2461%2,797
Equity capital to assets12.2107%1,903
Core capital (leverage) ratio10.5030%2,770
Tier 1 risk-based capital ratio15.4853%3,534
Total risk-based capital ratio16.7486%3,486
Memoranda:
Average total assets$3,262,705,500234
Average earning assets$2,775,119,000245
Average equity$400,127,000233
Average total loans$2,408,783,000210
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4672%666
Cost of funding earning assets0.5810%4,525
Net interest margin4.8861%458
Noninterest income to average assets0.0229%6,771
Noninterest expense to average assets2.8890%3,682
Loan and lease loss provision to assets2.4115%65
Net operating income to assets-0.6629%6,635
Return on assets (ROA)-0.6505%6,661
Pretax return on assets-1.1325%6,769
Return on Equity (ROE)-5.5411%6,612
Retained earnings to average equity (ytd only)-8.1192%6,577
Net charge-offs to loans3.0644%157
Credit loss provision to net charge-offs106.6731%2,782
Earnings coverage of net charge-offs (x)0.5572%5,210
Efficiency ratio68.9819%3,976
Assets per employee ($millions)3.9049%4,144
Cash dividends to net income (ytd only)*-46.5268%7,050
Condition Ratios (%)
Loss allowance to loans1.9205%2,230
Loan loss allowance to noncurrent loans55.4199%4,852
Noncurrent assets plus other real estate owned to assets4.8476%817
Noncurrent loans to loans3.4654%1,445
Net loans and leases to total assets73.0276%1,330
Net loans and leases to deposits83.8383%1,771
Net loans and leases to core deposits95.2375%1,367
Total domestic deposits to total assets87.1053%2,773
Equity capital to assets12.3172%1,848
Core capital (leverage) ratio10.2023%3,138
Tier 1 risk-based capital ratio15.3390%3,518
Total risk-based capital ratio16.6001%3,468
Memoranda:
Average total assets$3,303,842,400232
Average earning assets$2,789,730,000239
Average equity$387,882,400233
Average total loans$2,437,271,200202
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3770%874
Cost of funding earning assets0.6048%4,594
Net interest margin4.7723%584
Noninterest income to average assets0.3738%4,838
Noninterest expense to average assets2.8178%3,922
Loan and lease loss provision to assets1.4100%231
Net operating income to assets0.1393%6,050
Return on assets (ROA)0.1593%6,162
Pretax return on assets0.2036%6,114
Return on Equity (ROE)1.3734%6,179
Retained earnings to average equity (ytd only)-1.2244%6,299
Net charge-offs to loans1.4719%591
Credit loss provision to net charge-offs130.1502%2,214
Earnings coverage of net charge-offs (x)1.4658%4,552
Efficiency ratio63.3464%4,916
Assets per employee ($millions)3.9406%3,992
Cash dividends to net income (ytd only)*189.1553%62
Condition Ratios (%)
Loss allowance to loans2.0255%2,098
Loan loss allowance to noncurrent loans46.2927%5,326
Noncurrent assets plus other real estate owned to assets6.1249%643
Noncurrent loans to loans4.3753%1,099
Net loans and leases to total assets72.1488%1,527
Net loans and leases to deposits84.4254%1,813
Net loans and leases to core deposits96.6146%1,363
Total domestic deposits to total assets85.4587%3,537
Equity capital to assets11.6230%2,623
Core capital (leverage) ratio10.0121%3,520
Tier 1 risk-based capital ratio14.9217%3,906
Total risk-based capital ratio16.1844%3,847
Memoranda:
Average total assets$3,318,565,250233
Average earning assets$2,803,801,500238
Average equity$384,931,000234
Average total loans$2,442,561,000202
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3097%1,036
Cost of funding earning assets0.6268%4,657
Net interest margin4.6829%697
Noninterest income to average assets0.4033%4,623
Noninterest expense to average assets2.8240%3,925
Loan and lease loss provision to assets1.6894%202
Net operating income to assets-0.0702%6,402
Return on assets (ROA)-0.0528%6,503
Pretax return on assets-0.1279%6,537
Return on Equity (ROE)-0.4556%6,495
Retained earnings to average equity (ytd only)-3.0561%6,470
Net charge-offs to loans1.3096%808
Credit loss provision to net charge-offs175.2909%1,611
Earnings coverage of net charge-offs (x)1.5921%4,199
Efficiency ratio64.1777%4,869
Assets per employee ($millions)3.9472%3,983
Cash dividends to net income (ytd only)*-570.7763%7,235
Condition Ratios (%)
Loss allowance to loans2.1885%1,798
Loan loss allowance to noncurrent loans47.3069%5,268
Noncurrent assets plus other real estate owned to assets6.6639%608
Noncurrent loans to loans4.6261%1,127
Net loans and leases to total assets71.7991%1,589
Net loans and leases to deposits84.0580%1,849
Net loans and leases to core deposits96.1642%1,415
Total domestic deposits to total assets85.4162%3,656
Equity capital to assets11.5230%2,569
Core capital (leverage) ratio9.9396%3,500
Tier 1 risk-based capital ratio14.8764%3,851
Total risk-based capital ratio16.1414%3,790
Memoranda:
Average total assets$3,317,451,000231
Average earning assets$2,801,866,670236
Average equity$384,540,000234
Average total loans$2,441,326,330202
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2812%1,137
Cost of funding earning assets0.6517%4,719
Net interest margin4.6296%779
Noninterest income to average assets0.5934%3,277
Noninterest expense to average assets2.8947%3,644
Loan and lease loss provision to assets2.6029%92
Net operating income to assets-0.6054%6,875
Return on assets (ROA)-0.5705%6,888
Pretax return on assets-0.9402%6,963
Return on Equity (ROE)-4.9068%6,848
Retained earnings to average equity (ytd only)-7.5036%6,737
Net charge-offs to loans1.6628%579
Credit loss provision to net charge-offs212.4483%1,283
Earnings coverage of net charge-offs (x)1.3125%3,675
Efficiency ratio63.6880%4,983
Assets per employee ($millions)4.0089%3,990
Cash dividends to net income (ytd only)*-52.9213%7,280
Condition Ratios (%)
Loss allowance to loans2.1613%1,963
Loan loss allowance to noncurrent loans47.1527%5,245
Noncurrent assets plus other real estate owned to assets6.8479%635
Noncurrent loans to loans4.5837%1,254
Net loans and leases to total assets71.6959%1,453
Net loans and leases to deposits84.3600%1,621
Net loans and leases to core deposits96.8353%1,214
Total domestic deposits to total assets84.9880%4,043
Equity capital to assets11.4428%2,490
Core capital (leverage) ratio9.9200%3,470
Tier 1 risk-based capital ratio15.0284%3,744
Total risk-based capital ratio16.2935%3,686
Memoranda:
Average total assets$3,312,440,500231
Average earning assets$2,797,142,500237
Average equity$385,097,500231
Average total loans$2,440,714,500202
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5752%1,002
Cost of funding earning assets0.8062%4,822
Net interest margin4.7690%663
Noninterest income to average assets0.8071%2,021
Noninterest expense to average assets2.8658%4,103
Loan and lease loss provision to assets1.2437%687
Net operating income to assets0.4611%4,588
Return on assets (ROA)0.4626%4,779
Pretax return on assets0.7124%4,282
Return on Equity (ROE)3.9681%4,864
Retained earnings to average equity (ytd only)1.5142%5,136
Net charge-offs to loans2.0097%685
Credit loss provision to net charge-offs83.7528%4,287
Earnings coverage of net charge-offs (x)1.3157%4,790
Efficiency ratio58.8976%5,914
Assets per employee ($millions)3.9632%3,937
Cash dividends to net income (ytd only)*61.8409%1,482
Condition Ratios (%)
Loss allowance to loans1.6994%3,205
Loan loss allowance to noncurrent loans36.0038%5,837
Noncurrent assets plus other real estate owned to assets7.2150%630
Noncurrent loans to loans4.7200%1,241
Net loans and leases to total assets72.8333%1,486
Net loans and leases to deposits86.8323%1,558
Net loans and leases to core deposits100.4710%1,138
Total domestic deposits to total assets83.8781%4,366
Equity capital to assets11.8114%2,265
Core capital (leverage) ratio10.1671%3,143
Tier 1 risk-based capital ratio15.3937%3,394
Total risk-based capital ratio16.6523%3,341
Memoranda:
Average total assets$3,320,713,800227
Average earning assets$2,793,923,400230
Average equity$387,135,200228
Average total loans$2,453,746,600201
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6431%952
Cost of funding earning assets0.8343%4,908
Net interest margin4.8087%615
Noninterest income to average assets0.9285%1,549
Noninterest expense to average assets2.8528%4,133
Loan and lease loss provision to assets1.2587%604
Net operating income to assets0.5553%4,296
Return on assets (ROA)0.5573%4,458
Pretax return on assets0.8680%3,886
Return on Equity (ROE)4.7960%4,615
Retained earnings to average equity (ytd only)2.2106%5,019
Net charge-offs to loans2.3434%491
Credit loss provision to net charge-offs72.7401%4,389
Earnings coverage of net charge-offs (x)1.2272%4,701
Efficiency ratio56.7825%6,175
Assets per employee ($millions)4.0709%3,697
Cash dividends to net income (ytd only)*53.9064%1,423
Condition Ratios (%)
Loss allowance to loans1.5451%3,904
Loan loss allowance to noncurrent loans33.7553%6,041
Noncurrent assets plus other real estate owned to assets7.5422%622
Noncurrent loans to loans4.5772%1,410
Net loans and leases to total assets72.6758%1,573
Net loans and leases to deposits87.7504%1,460
Net loans and leases to core deposits100.9006%1,169
Total domestic deposits to total assets82.8210%4,752
Equity capital to assets11.9230%2,314
Core capital (leverage) ratio10.1658%3,227
Tier 1 risk-based capital ratio15.5164%3,375
Total risk-based capital ratio16.7729%3,337
Memoranda:
Average total assets$3,328,532,000225
Average earning assets$2,801,861,750230
Average equity$386,787,000229
Average total loans$2,457,876,500200
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6449%977
Cost of funding earning assets0.8572%5,004
Net interest margin4.7877%612
Noninterest income to average assets1.1678%929
Noninterest expense to average assets2.8371%4,283
Loan and lease loss provision to assets1.3349%552
Net operating income to assets0.6562%3,768
Return on assets (ROA)0.6592%3,873
Pretax return on assets1.0339%3,105
Return on Equity (ROE)5.7222%4,096
Retained earnings to average equity (ytd only)3.6416%3,911
Net charge-offs to loans2.5724%445
Credit loss provision to net charge-offs70.2700%4,050
Earnings coverage of net charge-offs (x)1.2444%4,359
Efficiency ratio54.0285%6,620
Assets per employee ($millions)4.0550%3,642
Cash dividends to net income (ytd only)*36.3603%2,223
Condition Ratios (%)
Loss allowance to loans1.6356%3,558
Loan loss allowance to noncurrent loans36.8279%5,836
Noncurrent assets plus other real estate owned to assets7.3011%675
Noncurrent loans to loans4.4413%1,501
Net loans and leases to total assets72.1789%1,754
Net loans and leases to deposits87.3769%1,593
Net loans and leases to core deposits100.6833%1,283
Total domestic deposits to total assets82.6064%4,943
Equity capital to assets11.8151%2,229
Core capital (leverage) ratio10.0682%3,179
Tier 1 risk-based capital ratio15.5825%3,196
Total risk-based capital ratio16.8406%3,147
Memoranda:
Average total assets$3,337,533,670229
Average earning assets$2,811,650,330233
Average equity$384,502,330228
Average total loans$2,464,814,000204
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4992%1,299
Cost of funding earning assets0.8865%5,021
Net interest margin4.6127%841
Noninterest income to average assets1.7120%464
Noninterest expense to average assets2.9467%3,868
Loan and lease loss provision to assets1.3586%491
Net operating income to assets0.8256%2,905
Return on assets (ROA)0.8270%2,958
Pretax return on assets1.3098%2,012
Return on Equity (ROE)7.2714%3,254
Retained earnings to average equity (ytd only)5.1653%3,080
Net charge-offs to loans2.9096%375
Credit loss provision to net charge-offs63.0237%3,493
Earnings coverage of net charge-offs (x)1.2368%3,743
Efficiency ratio52.0219%6,852
Assets per employee ($millions)4.1581%3,529
Cash dividends to net income (ytd only)*28.9645%2,017
Condition Ratios (%)
Loss allowance to loans1.7181%3,280
Loan loss allowance to noncurrent loans33.9196%6,035
Noncurrent assets plus other real estate owned to assets7.3187%703
Noncurrent loans to loans5.0652%1,324
Net loans and leases to total assets71.9387%1,734
Net loans and leases to deposits85.8469%1,758
Net loans and leases to core deposits99.6469%1,370
Total domestic deposits to total assets83.7988%4,573
Equity capital to assets11.4832%2,292
Core capital (leverage) ratio9.9274%3,231
Tier 1 risk-based capital ratio15.3355%3,245
Total risk-based capital ratio16.5949%3,201
Memoranda:
Average total assets$3,339,715,500230
Average earning assets$2,824,262,000229
Average equity$379,845,500225
Average total loans$2,474,295,500204
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4440%2,494
Cost of funding earning assets1.0546%5,400
Net interest margin4.3893%1,514
Noninterest income to average assets0.8730%1,961
Noninterest expense to average assets2.5435%5,637
Loan and lease loss provision to assets1.6140%894
Net operating income to assets0.3424%4,780
Return on assets (ROA)0.3429%4,937
Pretax return on assets0.5148%4,565
Return on Equity (ROE)3.0164%4,949
Retained earnings to average equity (ytd only)-3.8149%6,191
Net charge-offs to loans1.6594%1,310
Credit loss provision to net charge-offs128.4567%3,119
Earnings coverage of net charge-offs (x)1.6937%4,460
Efficiency ratio53.8928%6,816
Assets per employee ($millions)4.2683%3,265
Cash dividends to net income (ytd only)*226.4688%101
Condition Ratios (%)
Loss allowance to loans2.0102%2,270
Loan loss allowance to noncurrent loans40.9212%5,574
Noncurrent assets plus other real estate owned to assets7.2227%743
Noncurrent loans to loans4.9124%1,384
Net loans and leases to total assets73.5034%1,767
Net loans and leases to deposits90.0640%1,513
Net loans and leases to core deposits104.1262%1,302
Total domestic deposits to total assets81.6124%5,318
Equity capital to assets11.2598%2,445
Core capital (leverage) ratio9.6275%3,514
Tier 1 risk-based capital ratio14.3530%3,643
Total risk-based capital ratio15.6164%3,590
Memoranda:
Average total assets$3,380,462,200225
Average earning assets$2,925,447,200229
Average equity$384,260,400216
Average total loans$2,559,626,200204
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3517%3,110
Cost of funding earning assets1.0926%5,463
Net interest margin4.2591%1,999
Noninterest income to average assets0.5660%3,680
Noninterest expense to average assets2.5143%5,662
Loan and lease loss provision to assets0.9401%1,599
Net operating income to assets0.5243%4,204
Return on assets (ROA)0.5249%4,380
Pretax return on assets0.8146%3,849
Return on Equity (ROE)4.6072%4,498
Retained earnings to average equity (ytd only)2.0303%4,942
Net charge-offs to loans0.8439%2,342
Credit loss provision to net charge-offs146.7942%2,677
Earnings coverage of net charge-offs (x)2.7383%3,779
Efficiency ratio58.3099%6,217
Assets per employee ($millions)4.4028%3,076
Cash dividends to net income (ytd only)*55.9326%1,390
Condition Ratios (%)
Loss allowance to loans1.7897%2,817
Loan loss allowance to noncurrent loans28.9506%6,392
Noncurrent assets plus other real estate owned to assets8.1653%606
Noncurrent loans to loans6.1820%993
Net loans and leases to total assets73.5061%1,909
Net loans and leases to deposits89.5402%1,779
Net loans and leases to core deposits105.7998%1,346
Total domestic deposits to total assets82.0928%4,955
Equity capital to assets11.6643%2,394
Core capital (leverage) ratio10.0715%3,179
Tier 1 risk-based capital ratio15.2931%3,107
Total risk-based capital ratio16.5539%3,058
Memoranda:
Average total assets$3,406,057,500223
Average earning assets$2,960,607,750226
Average equity$388,049,000214
Average total loans$2,584,800,250200
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3744%3,082
Cost of funding earning assets1.1285%5,532
Net interest margin4.2459%1,980
Noninterest income to average assets0.5972%3,354
Noninterest expense to average assets2.5461%5,536
Loan and lease loss provision to assets0.9134%1,594
Net operating income to assets0.5349%4,176
Return on assets (ROA)0.5358%4,317
Pretax return on assets0.8346%3,761
Return on Equity (ROE)4.7401%4,417
Retained earnings to average equity (ytd only)2.1547%4,775
Net charge-offs to loans0.8246%2,188
Credit loss provision to net charge-offs145.3041%2,733
Earnings coverage of net charge-offs (x)2.7785%3,598
Efficiency ratio58.7208%6,272
Assets per employee ($millions)4.3365%3,153
Cash dividends to net income (ytd only)*54.5435%1,504
Condition Ratios (%)
Loss allowance to loans1.6498%3,249
Loan loss allowance to noncurrent loans24.5690%6,700
Noncurrent assets plus other real estate owned to assets8.0359%609
Noncurrent loans to loans6.7151%871
Net loans and leases to total assets75.8570%1,517
Net loans and leases to deposits89.8427%1,884
Net loans and leases to core deposits106.1412%1,428
Total domestic deposits to total assets84.4331%3,901
Equity capital to assets11.7500%2,248
Core capital (leverage) ratio9.8733%3,307
Tier 1 risk-based capital ratio15.0101%3,148
Total risk-based capital ratio16.2689%3,114
Memoranda:
Average total assets$3,421,634,670224
Average earning assets$2,978,057,000227
Average equity$386,785,000213
Average total loans$2,608,298,000200
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3090%3,503
Cost of funding earning assets1.1697%5,558
Net interest margin4.1393%2,273
Noninterest income to average assets0.6577%2,893
Noninterest expense to average assets2.5262%5,630
Loan and lease loss provision to assets0.8778%1,450
Net operating income to assets0.5578%4,099
Return on assets (ROA)0.5585%4,234
Pretax return on assets0.8736%3,566
Return on Equity (ROE)5.0353%4,339
Retained earnings to average equity (ytd only)2.4398%4,675
Net charge-offs to loans0.8015%1,931
Credit loss provision to net charge-offs144.4845%2,462
Earnings coverage of net charge-offs (x)2.8812%3,108
Efficiency ratio58.4911%6,413
Assets per employee ($millions)4.5924%2,814
Cash dividends to net income (ytd only)*51.5464%1,444
Condition Ratios (%)
Loss allowance to loans1.5215%3,805
Loan loss allowance to noncurrent loans23.5608%6,829
Noncurrent assets plus other real estate owned to assets7.2776%722
Noncurrent loans to loans6.4579%968
Net loans and leases to total assets75.5914%1,622
Net loans and leases to deposits89.2341%2,026
Net loans and leases to core deposits106.2072%1,559
Total domestic deposits to total assets84.7114%3,804
Equity capital to assets11.3822%2,443
Core capital (leverage) ratio9.4484%3,856
Tier 1 risk-based capital ratio14.1344%3,577
Total risk-based capital ratio15.3907%3,537
Memoranda:
Average total assets$3,473,729,000225
Average earning assets$3,036,932,000231
Average equity$385,278,000218
Average total loans$2,633,082,500205
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4672%4,348
Cost of funding earning assets1.6663%4,692
Net interest margin3.8009%3,704
Noninterest income to average assets2.7947%241
Noninterest expense to average assets2.4267%6,385
Loan and lease loss provision to assets0.6287%3,290
Net operating income to assets1.9227%276
Return on assets (ROA)1.9218%284
Pretax return on assets3.1156%88
Return on Equity (ROE)17.8035%382
Retained earnings to average equity (ytd only)14.1968%113
Net charge-offs to loans0.4847%3,833
Credit loss provision to net charge-offs166.8402%2,592
Earnings coverage of net charge-offs (x)9.9397%1,740
Efficiency ratio38.9969%7,875
Assets per employee ($millions)4.8419%2,424
Cash dividends to net income (ytd only)*20.2587%3,651
Condition Ratios (%)
Loss allowance to loans1.4051%4,210
Loan loss allowance to noncurrent loans20.7511%7,028
Noncurrent assets plus other real estate owned to assets6.6546%803
Noncurrent loans to loans6.7714%860
Net loans and leases to total assets73.8290%2,308
Net loans and leases to deposits89.1550%2,365
Net loans and leases to core deposits123.4541%1,679
Total domestic deposits to total assets82.8097%4,608
Equity capital to assets10.8125%2,856
Core capital (leverage) ratio9.2033%4,115
Tier 1 risk-based capital ratio13.7187%3,673
Total risk-based capital ratio14.9732%3,612
Memoranda:
Average total assets$3,210,618,600235
Average earning assets$2,853,130,800234
Average equity$346,571,400229
Average total loans$2,496,384,800214
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4288%4,798
Cost of funding earning assets1.7410%4,689
Net interest margin3.6878%4,122
Noninterest income to average assets3.3118%199
Noninterest expense to average assets2.3710%6,502
Loan and lease loss provision to assets0.5805%3,070
Net operating income to assets2.2464%166
Return on assets (ROA)2.2452%181
Pretax return on assets3.6491%63
Return on Equity (ROE)20.8096%270
Retained earnings to average equity (ytd only)16.8565%108
Net charge-offs to loans0.4572%3,399
Credit loss provision to net charge-offs161.5933%2,927
Earnings coverage of net charge-offs (x)11.7785%1,825
Efficiency ratio35.6430%7,977
Assets per employee ($millions)4.5524%2,780
Cash dividends to net income (ytd only)*18.9966%3,278
Condition Ratios (%)
Loss allowance to loans1.2727%4,669
Loan loss allowance to noncurrent loans22.0813%6,974
Noncurrent assets plus other real estate owned to assets4.9311%1,192
Noncurrent loans to loans5.7636%1,058
Net loans and leases to total assets75.7335%2,053
Net loans and leases to deposits91.2761%2,350
Net loans and leases to core deposits130.7507%1,386
Total domestic deposits to total assets82.9719%4,236
Equity capital to assets10.6170%3,383
Core capital (leverage) ratio9.0076%4,637
Tier 1 risk-based capital ratio12.9161%4,255
Total risk-based capital ratio14.1684%4,186
Memoranda:
Average total assets$3,125,997,750250
Average earning assets$2,789,343,750251
Average equity$337,277,500237
Average total loans$2,456,078,750230
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2152%6,027
Cost of funding earning assets1.7665%4,921
Net interest margin3.4487%4,991
Noninterest income to average assets4.2537%159
Noninterest expense to average assets2.3189%6,712
Loan and lease loss provision to assets0.5622%2,771
Net operating income to assets2.7440%79
Return on assets (ROA)2.7419%88
Pretax return on assets4.4680%44
Return on Equity (ROE)25.2540%131
Retained earnings to average equity (ytd only)20.6364%66
Net charge-offs to loans0.3778%3,304
Credit loss provision to net charge-offs187.6618%2,432
Earnings coverage of net charge-offs (x)16.8008%1,517
Efficiency ratio31.3607%8,098
Assets per employee ($millions)4.4343%2,867
Cash dividends to net income (ytd only)*18.2847%3,206
Condition Ratios (%)
Loss allowance to loans1.2237%4,793
Loan loss allowance to noncurrent loans38.9518%5,809
Noncurrent assets plus other real estate owned to assets2.9400%2,170
Noncurrent loans to loans3.1416%2,272
Net loans and leases to total assets75.9853%2,183
Net loans and leases to deposits92.9649%2,280
Net loans and leases to core deposits131.6859%1,449
Total domestic deposits to total assets81.7354%4,802
Equity capital to assets10.3180%3,601
Core capital (leverage) ratio11.3477%2,171
Tier 1 risk-based capital ratio12.2572%4,714
Total risk-based capital ratio13.5084%4,627
Memoranda:
Average total assets$2,991,960,000263
Average earning assets$2,688,344,000265
Average equity$324,843,000248
Average total loans$2,372,636,000243
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5052%4,886
Cost of funding earning assets1.9080%4,587
Net interest margin3.5971%4,326
Noninterest income to average assets0.7105%2,821
Noninterest expense to average assets2.2861%6,582
Loan and lease loss provision to assets0.6583%1,923
Net operating income to assets0.6865%3,625
Return on assets (ROA)0.6865%3,807
Pretax return on assets1.0769%3,073
Return on Equity (ROE)6.1258%3,988
Retained earnings to average equity (ytd only)-3.6975%6,383
Net charge-offs to loans0.3321%2,770
Credit loss provision to net charge-offs245.2160%1,905
Earnings coverage of net charge-offs (x)6.4636%2,493
Efficiency ratio56.4932%6,901
Assets per employee ($millions)4.4211%2,845
Cash dividends to net income (ytd only)*160.3592%424
Condition Ratios (%)
Loss allowance to loans1.4550%3,206
Loan loss allowance to noncurrent loans90.4125%3,320
Noncurrent assets plus other real estate owned to assets1.5095%3,668
Noncurrent loans to loans1.6093%3,863
Net loans and leases to total assets80.1446%1,359
Net loans and leases to deposits100.5632%1,333
Net loans and leases to core deposits140.2416%1,088
Total domestic deposits to total assets79.6958%5,470
Equity capital to assets12.0688%2,218
Core capital (leverage) ratio10.4972%2,931
Tier 1 risk-based capital ratio12.6418%4,442
Total risk-based capital ratio13.8950%4,360
Memoranda:
Average total assets$2,725,302,500291
Average earning assets$2,508,332,500285
Average equity$305,396,000260
Average total loans$2,203,016,000264
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2888%4,028
Cost of funding earning assets2.4663%4,384
Net interest margin3.8225%3,925
Noninterest income to average assets0.8291%2,356
Noninterest expense to average assets2.4167%6,337
Loan and lease loss provision to assets0.3864%3,376
Net operating income to assets0.9706%2,689
Return on assets (ROA)0.9706%2,568
Pretax return on assets1.5412%1,559
Return on Equity (ROE)9.3879%2,481
Retained earnings to average equity (ytd only)6.1722%1,457
Net charge-offs to loans0.2271%3,967
Credit loss provision to net charge-offs208.4388%2,322
Earnings coverage of net charge-offs (x)10.3973%2,519
Efficiency ratio55.2535%7,114
Assets per employee ($millions)4.4776%2,650
Cash dividends to net income (ytd only)*34.2535%3,925
Condition Ratios (%)
Loss allowance to loans1.3222%3,643
Loan loss allowance to noncurrent loans109.9850%3,176
Noncurrent assets plus other real estate owned to assets1.1409%3,988
Noncurrent loans to loans1.2021%4,110
Net loans and leases to total assets79.2911%1,817
Net loans and leases to deposits105.0364%1,228
Net loans and leases to core deposits147.0744%974
Total domestic deposits to total assets75.4892%6,342
Equity capital to assets10.3609%3,657
Core capital (leverage) ratio8.9175%4,862
Tier 1 risk-based capital ratio10.3325%6,385
Total risk-based capital ratio11.5836%6,259
Memoranda:
Average total assets$2,556,630,400296
Average earning assets$2,351,133,400287
Average equity$264,330,800294
Average total loans$2,086,751,400265