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First Cahawba Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7771%1,529
Cost of funding earning assets1.1407%3,831
Net interest margin4.6363%512
Noninterest income to average assets0.3100%2,795
Noninterest expense to average assets3.1673%914
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.1695%1,807
Return on assets (ROA)1.1695%1,805
Pretax return on assets1.5600%1,382
Return on Equity (ROE)15.7500%941
Retained earnings to average equity (ytd only)15.7536%363
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio67.0000%2,141
Assets per employee ($millions)5.0374%3,646
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.0626%2,909
Loan loss allowance to noncurrent loans940.6897%728
Noncurrent assets plus other real estate owned to assets0.0720%3,178
Noncurrent loans to loans0.1130%3,098
Net loans and leases to total assets63.0300%2,601
Net loans and leases to deposits68.3342%2,962
Net loans and leases to core deposits75.5678%2,984
Total domestic deposits to total assets92.2400%236
Equity capital to assets7.4245%3,884
Core capital (leverage) ratio10.0189%2,786
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$194,615,5003,048
Average earning assets$185,492,5003,011
Average equity$14,447,5003,423
Average total loans$128,656,5002,955
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8453%1,518
Cost of funding earning assets1.1753%3,842
Net interest margin4.6699%511
Noninterest income to average assets0.2800%3,178
Noninterest expense to average assets3.2376%835
Loan and lease loss provision to assets0.2100%634
Net operating income to assets0.9578%2,188
Return on assets (ROA)0.9578%2,190
Pretax return on assets1.2736%1,815
Return on Equity (ROE)13.0000%1,363
Retained earnings to average equity (ytd only)10.2741%535
Net charge-offs to loans0.0122%2,465
Credit loss provision to net charge-offs1,040.0000%381
Earnings coverage of net charge-offs (x)181.6667%540
Efficiency ratio68.6096%2,165
Assets per employee ($millions)4.8137%3,762
Cash dividends to net income (ytd only)*20.9421%2,921
Condition Ratios (%)
Loss allowance to loans1.0578%2,908
Loan loss allowance to noncurrent loans2,573.5849%366
Noncurrent assets plus other real estate owned to assets0.0479%3,330
Noncurrent loans to loans0.0411%3,455
Net loans and leases to total assets67.9600%2,144
Net loans and leases to deposits73.5860%2,685
Net loans and leases to core deposits81.0561%2,705
Total domestic deposits to total assets92.3500%236
Equity capital to assets7.4227%3,801
Core capital (leverage) ratio9.8920%2,851
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$183,965,2003,097
Average earning assets$175,013,8003,052
Average equity$13,558,4003,466
Average total loans$122,458,4002,969
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7535%1,630
Cost of funding earning assets1.1847%3,836
Net interest margin4.5688%589
Noninterest income to average assets0.2800%3,175
Noninterest expense to average assets3.2279%807
Loan and lease loss provision to assets0.0600%1,841
Net operating income to assets1.0119%2,011
Return on assets (ROA)1.0119%2,011
Pretax return on assets1.3346%1,674
Return on Equity (ROE)13.7500%1,195
Retained earnings to average equity (ytd only)13.7546%310
Net charge-offs to loans-0.2924%4,519
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio69.8345%2,044
Assets per employee ($millions)5.6938%3,118
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans1.0599%2,950
Loan loss allowance to noncurrent loans2,535.8491%351
Noncurrent assets plus other real estate owned to assets0.0958%3,061
Noncurrent loans to loans0.0418%3,504
Net loans and leases to total assets66.7700%2,236
Net loans and leases to deposits72.7968%2,766
Net loans and leases to core deposits79.3295%2,858
Total domestic deposits to total assets91.7200%223
Equity capital to assets7.9449%3,746
Core capital (leverage) ratio10.2965%2,592
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$183,022,5003,108
Average earning assets$174,104,7503,068
Average equity$13,464,2503,475
Average total loans$120,837,2502,983
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6750%1,645
Cost of funding earning assets1.1816%3,807
Net interest margin4.4934%632
Noninterest income to average assets0.2800%3,143
Noninterest expense to average assets3.2238%798
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets1.0011%1,997
Return on assets (ROA)1.0011%1,999
Pretax return on assets1.3297%1,623
Return on Equity (ROE)13.9900%1,161
Retained earnings to average equity (ytd only)13.9947%357
Net charge-offs to loans-0.4544%4,552
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio70.7819%2,015
Assets per employee ($millions)4.6928%3,811
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans1.0819%2,886
Loan loss allowance to noncurrent loans1,407.7778%585
Noncurrent assets plus other real estate owned to assets0.1015%2,960
Noncurrent loans to loans0.0769%3,284
Net loans and leases to total assets64.9600%2,454
Net loans and leases to deposits70.4872%2,951
Net loans and leases to core deposits77.4795%2,950
Total domestic deposits to total assets92.1600%250
Equity capital to assets7.5340%3,708
Core capital (leverage) ratio10.2101%2,631
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3158%1,437
Memoranda:
Average total assets$181,398,3333,122
Average earning assets$172,475,3333,087
Average equity$12,976,3333,511
Average total loans$118,849,0002,996
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5570%1,700
Cost of funding earning assets1.1165%3,855
Net interest margin4.4406%629
Noninterest income to average assets0.2700%3,153
Noninterest expense to average assets3.1312%920
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets1.0342%1,844
Return on assets (ROA)1.0342%1,846
Pretax return on assets1.3666%1,506
Return on Equity (ROE)14.8400%1,013
Retained earnings to average equity (ytd only)14.8427%442
Net charge-offs to loans0.0100%1,715
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)208.3333%405
Efficiency ratio69.6159%2,193
Assets per employee ($millions)4.7478%3,814
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.0117%3,234
Loan loss allowance to noncurrent loans3,294.5946%335
Noncurrent assets plus other real estate owned to assets0.0410%3,420
Noncurrent loans to loans0.0307%3,555
Net loans and leases to total assets66.1100%2,227
Net loans and leases to deposits71.3102%2,790
Net loans and leases to core deposits78.1299%2,846
Total domestic deposits to total assets92.7100%218
Equity capital to assets7.1241%3,847
Core capital (leverage) ratio9.8394%2,903
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6654%1,649
Memoranda:
Average total assets$182,935,0003,117
Average earning assets$174,122,5003,077
Average equity$12,747,0003,532
Average total loans$119,721,0002,994
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0422%1,991
Cost of funding earning assets0.8510%3,611
Net interest margin4.1912%946
Noninterest income to average assets0.2600%3,376
Noninterest expense to average assets2.9942%1,131
Loan and lease loss provision to assets0.0400%2,313
Net operating income to assets0.9301%2,448
Return on assets (ROA)0.9149%2,467
Pretax return on assets1.2002%2,138
Return on Equity (ROE)15.3000%1,228
Retained earnings to average equity (ytd only)15.3046%311
Net charge-offs to loans0.0045%2,560
Credit loss provision to net charge-offs1,600.0000%278
Earnings coverage of net charge-offs (x)472.4000%303
Efficiency ratio70.3453%1,830
Assets per employee ($millions)4.8804%3,722
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.0282%3,173
Loan loss allowance to noncurrent loans3,218.4211%348
Noncurrent assets plus other real estate owned to assets0.0404%3,344
Noncurrent loans to loans0.0319%3,508
Net loans and leases to total assets63.4800%2,511
Net loans and leases to deposits68.1717%3,016
Net loans and leases to core deposits74.1880%3,068
Total domestic deposits to total assets93.1200%161
Equity capital to assets6.8162%4,014
Core capital (leverage) ratio9.2915%3,437
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5040%1,686
Memoranda:
Average total assets$187,130,4003,074
Average earning assets$178,491,8003,022
Average equity$11,186,2003,600
Average total loans$110,383,2003,058
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8580%2,151
Cost of funding earning assets0.7920%3,539
Net interest margin4.0660%1,124
Noninterest income to average assets0.2600%3,384
Noninterest expense to average assets2.9304%1,175
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets0.8761%2,775
Return on assets (ROA)0.8559%2,824
Pretax return on assets1.1232%2,496
Return on Equity (ROE)14.8300%1,481
Retained earnings to average equity (ytd only)14.8329%579
Net charge-offs to loans-0.0012%3,510
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio70.8491%1,697
Assets per employee ($millions)5.0951%3,529
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.0886%2,916
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0191%3,639
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets57.6800%3,052
Net loans and leases to deposits61.2199%3,444
Net loans and leases to core deposits66.8987%3,382
Total domestic deposits to total assets94.2100%169
Equity capital to assets5.5782%4,114
Core capital (leverage) ratio8.8619%3,898
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6233%1,676
Memoranda:
Average total assets$187,549,5003,079
Average earning assets$178,942,7503,027
Average equity$10,822,5003,636
Average total loans$108,242,5003,084
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6477%2,311
Cost of funding earning assets0.7010%3,485
Net interest margin3.9466%1,334
Noninterest income to average assets0.2600%3,340
Noninterest expense to average assets2.9225%1,168
Loan and lease loss provision to assets0.0900%1,256
Net operating income to assets0.7809%3,139
Return on assets (ROA)0.7503%3,234
Pretax return on assets0.9831%2,962
Return on Equity (ROE)12.8500%1,936
Retained earnings to average equity (ytd only)12.8532%830
Net charge-offs to loans-0.0019%3,525
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio72.5060%1,507
Assets per employee ($millions)5.0603%3,548
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.1041%2,941
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0192%3,635
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets57.2500%3,027
Net loans and leases to deposits60.9424%3,364
Net loans and leases to core deposits65.3792%3,385
Total domestic deposits to total assets93.9300%155
Equity capital to assets5.9139%4,186
Core capital (leverage) ratio8.6843%4,023
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3174%1,782
Memoranda:
Average total assets$185,528,6673,097
Average earning assets$177,163,0003,046
Average equity$10,830,0003,648
Average total loans$106,690,3333,095
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4211%2,494
Cost of funding earning assets0.5086%3,659
Net interest margin3.9125%1,455
Noninterest income to average assets0.2700%3,286
Noninterest expense to average assets2.9625%1,128
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.7796%3,256
Return on assets (ROA)0.7796%3,214
Pretax return on assets1.0409%2,883
Return on Equity (ROE)13.4500%1,891
Retained earnings to average equity (ytd only)13.4482%1,017
Net charge-offs to loans0.0958%612
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)18.9600%1,476
Efficiency ratio73.9989%1,339
Assets per employee ($millions)4.9815%3,672
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0551%3,269
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0195%3,612
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets55.6300%3,062
Net loans and leases to deposits59.1800%3,385
Net loans and leases to core deposits62.8317%3,398
Total domestic deposits to total assets94.0000%171
Equity capital to assets5.8590%4,249
Core capital (leverage) ratio9.0492%3,697
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2738%1,876
Memoranda:
Average total assets$182,146,5003,163
Average earning assets$173,803,0003,112
Average equity$10,559,0003,717
Average total loans$104,381,5003,157
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6438%2,674
Cost of funding earning assets0.1055%4,370
Net interest margin3.5383%1,812
Noninterest income to average assets0.2500%3,641
Noninterest expense to average assets2.7074%1,535
Loan and lease loss provision to assets0.0700%1,594
Net operating income to assets0.6173%3,838
Return on assets (ROA)0.6173%3,789
Pretax return on assets0.7942%3,637
Return on Equity (ROE)9.9600%2,822
Retained earnings to average equity (ytd only)8.4022%1,679
Net charge-offs to loans-0.0289%4,189
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio75.7015%1,045
Assets per employee ($millions)4.8610%3,772
Cash dividends to net income (ytd only)*15.6415%3,052
Condition Ratios (%)
Loss allowance to loans1.1218%2,777
Loan loss allowance to noncurrent loans5,740.0000%265
Noncurrent assets plus other real estate owned to assets0.0697%3,098
Noncurrent loans to loans0.0195%3,673
Net loans and leases to total assets57.8200%2,838
Net loans and leases to deposits61.3822%3,246
Net loans and leases to core deposits63.3681%3,305
Total domestic deposits to total assets94.2000%221
Equity capital to assets5.7298%4,175
Core capital (leverage) ratio8.7575%3,911
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8949%1,655
Memoranda:
Average total assets$184,343,6003,149
Average earning assets$173,501,0003,118
Average equity$11,425,6003,721
Average total loans$96,725,4003,201
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4203%2,862
Cost of funding earning assets0.0761%4,445
Net interest margin3.3442%2,159
Noninterest income to average assets0.2500%3,673
Noninterest expense to average assets2.6462%1,605
Loan and lease loss provision to assets0.0300%2,122
Net operating income to assets0.5557%3,954
Return on assets (ROA)0.5557%3,897
Pretax return on assets0.7185%3,764
Return on Equity (ROE)8.8100%3,089
Retained earnings to average equity (ytd only)8.8092%1,722
Net charge-offs to loans-0.0364%4,207
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio78.0164%911
Assets per employee ($millions)5.4169%3,308
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.0300%3,350
Loan loss allowance to noncurrent loans3,735.7143%350
Noncurrent assets plus other real estate owned to assets0.0686%3,210
Noncurrent loans to loans0.0276%3,703
Net loans and leases to total assets53.0100%3,188
Net loans and leases to deposits55.8592%3,492
Net loans and leases to core deposits57.0900%3,557
Total domestic deposits to total assets94.9100%238
Equity capital to assets4.9559%4,303
Core capital (leverage) ratio8.2305%4,260
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3985%1,904
Memoranda:
Average total assets$186,680,5003,153
Average earning assets$175,265,2503,129
Average equity$11,775,2503,737
Average total loans$95,324,0003,232
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1987%3,053
Cost of funding earning assets0.0773%4,402
Net interest margin3.1214%2,471
Noninterest income to average assets0.2294%3,814
Noninterest expense to average assets2.6364%1,535
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.3952%4,117
Return on assets (ROA)0.3952%4,069
Pretax return on assets0.5062%3,987
Return on Equity (ROE)5.8401%3,619
Retained earnings to average equity (ytd only)5.8401%2,389
Net charge-offs to loans-0.0365%4,119
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.8931%685
Assets per employee ($millions)5.4507%3,276
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0205%3,515
Loan loss allowance to noncurrent loans3,567.8571%335
Noncurrent assets plus other real estate owned to assets0.0970%3,032
Noncurrent loans to loans0.0286%3,742
Net loans and leases to total assets50.7899%3,289
Net loans and leases to deposits53.8850%3,544
Net loans and leases to core deposits55.0718%3,640
Total domestic deposits to total assets94.2561%241
Equity capital to assets5.6249%4,322
Core capital (leverage) ratio8.1207%4,249
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5678%1,841
Memoranda:
Average total assets$185,710,0003,194
Average earning assets$173,321,0003,184
Average equity$12,568,3333,725
Average total loans$93,246,0003,284
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0380%3,144
Cost of funding earning assets0.0830%4,319
Net interest margin2.9550%2,655
Noninterest income to average assets0.2249%3,812
Noninterest expense to average assets2.6619%1,446
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.2293%4,284
Return on assets (ROA)0.2293%4,250
Pretax return on assets0.2839%4,208
Return on Equity (ROE)3.1141%4,065
Retained earnings to average equity (ytd only)3.1141%3,222
Net charge-offs to loans-0.0440%4,215
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.3632%530
Assets per employee ($millions)5.5031%3,315
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1061%3,304
Loan loss allowance to noncurrent loans3,420.6897%355
Noncurrent assets plus other real estate owned to assets0.0994%3,111
Noncurrent loans to loans0.0323%3,752
Net loans and leases to total assets47.4020%3,450
Net loans and leases to deposits50.7903%3,664
Net loans and leases to core deposits51.9417%3,739
Total domestic deposits to total assets93.3288%197
Equity capital to assets6.6193%4,379
Core capital (leverage) ratio8.2953%4,075
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0020%1,792
Memoranda:
Average total assets$183,177,0003,224
Average earning assets$168,662,0003,237
Average equity$13,487,0003,707
Average total loans$90,922,0003,318
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3940%2,941
Cost of funding earning assets0.1225%4,204
Net interest margin3.2714%2,405
Noninterest income to average assets0.2295%4,002
Noninterest expense to average assets2.5207%2,120
Loan and lease loss provision to assets0.5721%91
Net operating income to assets0.1223%4,608
Return on assets (ROA)0.1237%4,616
Pretax return on assets0.1422%4,610
Return on Equity (ROE)1.4775%4,559
Retained earnings to average equity (ytd only)1.4775%4,126
Net charge-offs to loans1.0658%60
Credit loss provision to net charge-offs101.9960%1,771
Earnings coverage of net charge-offs (x)1.2705%2,622
Efficiency ratio77.9605%951
Assets per employee ($millions)4.8446%3,853
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.0655%3,497
Loan loss allowance to noncurrent loans3,386.2069%360
Noncurrent assets plus other real estate owned to assets0.1847%2,643
Noncurrent loans to loans0.0315%3,848
Net loans and leases to total assets50.8669%3,187
Net loans and leases to deposits55.4276%3,473
Net loans and leases to core deposits56.6561%3,571
Total domestic deposits to total assets91.7718%244
Equity capital to assets8.1389%4,281
Core capital (leverage) ratio8.3316%4,080
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9441%1,864
Memoranda:
Average total assets$178,637,4003,220
Average earning assets$164,025,2003,235
Average equity$14,957,2003,640
Average total loans$94,012,4003,276
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4500%2,959
Cost of funding earning assets0.1304%4,260
Net interest margin3.3196%2,360
Noninterest income to average assets0.2316%4,014
Noninterest expense to average assets2.4696%2,211
Loan and lease loss provision to assets0.7637%59
Net operating income to assets0.0538%4,719
Return on assets (ROA)0.0560%4,733
Pretax return on assets0.0433%4,741
Return on Equity (ROE)0.6645%4,717
Retained earnings to average equity (ytd only)0.6645%4,473
Net charge-offs to loans1.4099%45
Credit loss provision to net charge-offs102.3023%1,561
Earnings coverage of net charge-offs (x)1.0781%2,386
Efficiency ratio75.4278%1,080
Assets per employee ($millions)5.2103%3,490
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0059%3,818
Loan loss allowance to noncurrent loans3,177.4194%330
Noncurrent assets plus other real estate owned to assets0.1870%2,862
Noncurrent loans to loans0.0317%3,975
Net loans and leases to total assets53.1550%3,063
Net loans and leases to deposits57.8549%3,421
Net loans and leases to core deposits59.1116%3,539
Total domestic deposits to total assets91.8765%152
Equity capital to assets8.0731%4,481
Core capital (leverage) ratio8.0528%4,429
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3328%2,247
Memoranda:
Average total assets$178,484,2503,254
Average earning assets$163,588,7503,275
Average equity$15,049,2503,675
Average total loans$94,475,2503,316
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5529%2,766
Cost of funding earning assets0.1380%4,296
Net interest margin3.4149%2,093
Noninterest income to average assets0.2382%3,978
Noninterest expense to average assets2.4922%2,170
Loan and lease loss provision to assets1.1535%31
Net operating income to assets-0.1878%4,829
Return on assets (ROA)-0.1851%4,834
Pretax return on assets-0.2754%4,841
Return on Equity (ROE)-2.1638%4,842
Retained earnings to average equity (ytd only)-2.1638%4,676
Net charge-offs to loans2.1623%31
Credit loss provision to net charge-offs101.2884%1,352
Earnings coverage of net charge-offs (x)0.7681%2,181
Efficiency ratio74.0194%1,243
Assets per employee ($millions)5.6816%2,928
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.0464%3,645
Loan loss allowance to noncurrent loans3,046.8750%306
Noncurrent assets plus other real estate owned to assets0.1925%2,993
Noncurrent loans to loans0.0343%4,028
Net loans and leases to total assets50.7117%3,486
Net loans and leases to deposits55.1458%3,779
Net loans and leases to core deposits56.6263%3,850
Total domestic deposits to total assets91.9593%135
Equity capital to assets7.9874%4,542
Core capital (leverage) ratio7.8853%4,521
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3793%1,840
Memoranda:
Average total assets$177,192,6673,266
Average earning assets$162,347,3333,292
Average equity$15,158,3333,662
Average total loans$93,327,6673,347
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5795%2,707
Cost of funding earning assets0.1521%4,290
Net interest margin3.4274%2,031
Noninterest income to average assets0.2722%3,772
Noninterest expense to average assets2.4702%2,266
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8038%3,412
Return on assets (ROA)0.8074%3,472
Pretax return on assets1.0544%3,225
Return on Equity (ROE)9.1235%2,991
Retained earnings to average equity (ytd only)9.1235%1,909
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1754%1,673
Assets per employee ($millions)6.0716%2,528
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0354%3,709
Loan loss allowance to noncurrent loans757.4803%850
Noncurrent assets plus other real estate owned to assets0.2141%3,083
Noncurrent loans to loans0.1367%3,631
Net loans and leases to total assets50.4796%3,582
Net loans and leases to deposits55.1899%3,851
Net loans and leases to core deposits56.9106%3,917
Total domestic deposits to total assets91.4651%250
Equity capital to assets8.3795%4,212
Core capital (leverage) ratio8.9510%3,659
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5506%1,725
Memoranda:
Average total assets$174,883,0003,288
Average earning assets$165,723,0003,258
Average equity$15,476,5003,640
Average total loans$93,404,0003,356
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2912%1,891
Cost of funding earning assets0.4022%3,565
Net interest margin3.8890%1,248
Noninterest income to average assets0.2445%4,024
Noninterest expense to average assets2.9994%1,437
Loan and lease loss provision to assets0.0822%3,352
Net operating income to assets0.6102%3,717
Return on assets (ROA)0.6102%3,836
Pretax return on assets0.7985%3,631
Return on Equity (ROE)5.8475%3,628
Retained earnings to average equity (ytd only)4.8697%2,334
Net charge-offs to loans0.0828%1,641
Credit loss provision to net charge-offs153.8462%2,397
Earnings coverage of net charge-offs (x)16.4872%2,127
Efficiency ratio77.3032%1,100
Assets per employee ($millions)5.5873%2,756
Cash dividends to net income (ytd only)*16.7228%3,367
Condition Ratios (%)
Loss allowance to loans1.0245%3,782
Loan loss allowance to noncurrent loans3,848.0000%252
Noncurrent assets plus other real estate owned to assets0.1963%3,301
Noncurrent loans to loans0.0266%4,214
Net loans and leases to total assets55.4454%3,352
Net loans and leases to deposits61.3150%3,652
Net loans and leases to core deposits63.4248%3,737
Total domestic deposits to total assets90.4271%405
Equity capital to assets9.3605%3,729
Core capital (leverage) ratio9.7330%2,867
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4616%1,693
Memoranda:
Average total assets$146,028,0003,444
Average earning assets$136,513,4003,426
Average equity$15,237,2003,631
Average total loans$94,191,0003,337
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6474%1,190
Cost of funding earning assets0.4738%3,403
Net interest margin4.1736%774
Noninterest income to average assets0.2560%3,947
Noninterest expense to average assets3.1145%1,211
Loan and lease loss provision to assets0.1138%2,900
Net operating income to assets0.6968%3,470
Return on assets (ROA)0.6968%3,569
Pretax return on assets0.9111%3,349
Return on Equity (ROE)6.4796%3,378
Retained earnings to average equity (ytd only)6.4796%1,890
Net charge-offs to loans0.1132%1,218
Credit loss provision to net charge-offs150.0000%2,323
Earnings coverage of net charge-offs (x)13.5125%2,198
Efficiency ratio75.2405%1,275
Assets per employee ($millions)5.0309%3,210
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9838%3,769
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1949%3,461
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets61.9532%3,019
Net loans and leases to deposits68.9982%3,394
Net loans and leases to core deposits71.5690%3,515
Total domestic deposits to total assets89.7896%505
Equity capital to assets10.0296%3,204
Core capital (leverage) ratio10.1550%2,569
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0777%1,483
Memoranda:
Average total assets$140,630,2503,490
Average earning assets$130,850,5003,489
Average equity$15,124,0003,642
Average total loans$94,264,0003,344
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9411%906
Cost of funding earning assets0.5469%3,258
Net interest margin4.3942%626
Noninterest income to average assets0.2715%3,854
Noninterest expense to average assets3.2157%1,133
Loan and lease loss provision to assets0.1771%2,247
Net operating income to assets0.7630%3,180
Return on assets (ROA)0.7630%3,289
Pretax return on assets1.0050%3,010
Return on Equity (ROE)6.9158%3,163
Retained earnings to average equity (ytd only)6.9158%1,698
Net charge-offs to loans0.1696%875
Credit loss provision to net charge-offs151.8987%2,114
Earnings coverage of net charge-offs (x)10.1392%2,173
Efficiency ratio73.1208%1,550
Assets per employee ($millions)4.6609%3,582
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.9740%3,690
Loan loss allowance to noncurrent loans492.8205%1,018
Noncurrent assets plus other real estate owned to assets0.2623%3,263
Noncurrent loans to loans0.1976%3,667
Net loans and leases to total assets67.6211%2,421
Net loans and leases to deposits75.8308%2,889
Net loans and leases to core deposits79.0660%3,022
Total domestic deposits to total assets89.1736%676
Equity capital to assets10.6368%2,631
Core capital (leverage) ratio10.5998%2,284
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3185%1,690
Memoranda:
Average total assets$135,521,0003,539
Average earning assets$127,259,3333,510
Average equity$14,951,3333,659
Average total loans$93,158,3333,352
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5553%2,137
Cost of funding earning assets0.6632%3,098
Net interest margin3.8921%1,695
Noninterest income to average assets0.3053%3,688
Noninterest expense to average assets3.2052%1,411
Loan and lease loss provision to assets0.1526%1,871
Net operating income to assets0.4823%3,940
Return on assets (ROA)0.4823%3,994
Pretax return on assets0.6197%3,889
Return on Equity (ROE)4.2869%3,874
Retained earnings to average equity (ytd only)4.2869%2,578
Net charge-offs to loans0.2035%677
Credit loss provision to net charge-offs108.6957%1,765
Earnings coverage of net charge-offs (x)5.5000%2,052
Efficiency ratio80.5833%1,083
Assets per employee ($millions)4.2616%3,575
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.0134%3,636
Loan loss allowance to noncurrent loans471.4286%1,016
Noncurrent assets plus other real estate owned to assets0.2876%3,297
Noncurrent loans to loans0.2150%3,708
Net loans and leases to total assets68.3203%2,497
Net loans and leases to deposits77.2003%2,950
Net loans and leases to core deposits81.7828%3,037
Total domestic deposits to total assets88.4975%881
Equity capital to assets11.2702%2,619
Core capital (leverage) ratio11.3428%2,206
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1251%1,574
Memoranda:
Average total assets$131,037,0003,575
Average earning assets$123,636,5003,526
Average equity$14,742,5003,689
Average total loans$90,404,5003,388
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0023%1,474
Cost of funding earning assets0.7410%2,965
Net interest margin4.2613%1,181
Noninterest income to average assets0.3396%3,675
Noninterest expense to average assets3.2680%1,365
Loan and lease loss provision to assets0.0409%3,195
Net operating income to assets0.6827%3,920
Return on assets (ROA)0.6840%3,984
Pretax return on assets0.9000%3,742
Return on Equity (ROE)5.8812%3,952
Retained earnings to average equity (ytd only)4.8752%2,484
Net charge-offs to loans0.0106%3,309
Credit loss provision to net charge-offs555.5556%539
Earnings coverage of net charge-offs (x)127.5556%563
Efficiency ratio77.6741%1,187
Assets per employee ($millions)4.3321%3,459
Cash dividends to net income (ytd only)*17.1053%3,562
Condition Ratios (%)
Loss allowance to loans1.0265%3,332
Loan loss allowance to noncurrent loans476.6839%1,024
Noncurrent assets plus other real estate owned to assets0.3109%3,180
Noncurrent loans to loans0.2153%3,685
Net loans and leases to total assets68.2551%2,646
Net loans and leases to deposits77.0976%3,084
Net loans and leases to core deposits81.7297%3,150
Total domestic deposits to total assets88.5307%871
Equity capital to assets11.2308%2,779
Core capital (leverage) ratio11.2222%2,318
Tier 1 risk-based capital ratio15.2129%2,693
Total risk-based capital ratio16.1771%2,750
Memoranda:
Average total assets$122,217,2003,663
Average earning assets$110,929,2003,696
Average equity$14,214,8003,721
Average total loans$84,544,2003,514
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0880%1,310
Cost of funding earning assets0.7510%2,965
Net interest margin4.3370%1,080
Noninterest income to average assets0.3392%3,698
Noninterest expense to average assets3.3244%1,217
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.6789%4,081
Return on assets (ROA)0.6806%4,137
Pretax return on assets0.9090%3,847
Return on Equity (ROE)5.7980%4,105
Retained earnings to average equity (ytd only)5.7980%2,461
Net charge-offs to loans0.0112%2,962
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)116.8960%666
Efficiency ratio78.5696%1,049
Assets per employee ($millions)4.0982%3,760
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0406%3,344
Loan loss allowance to noncurrent loans14,533.3333%60
Noncurrent assets plus other real estate owned to assets0.1708%3,894
Noncurrent loans to loans0.0072%4,653
Net loans and leases to total assets65.2711%3,147
Net loans and leases to deposits73.9592%3,478
Net loans and leases to core deposits78.9142%3,475
Total domestic deposits to total assets88.2529%938
Equity capital to assets11.4228%2,718
Core capital (leverage) ratio11.6088%2,140
Tier 1 risk-based capital ratio16.2164%2,363
Total risk-based capital ratio17.1959%2,394
Memoranda:
Average total assets$120,280,5003,737
Average earning assets$107,937,7503,793
Average equity$14,119,5003,768
Average total loans$83,273,5003,574
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2025%978
Cost of funding earning assets0.7462%2,911
Net interest margin4.4563%840
Noninterest income to average assets0.3491%3,601
Noninterest expense to average assets3.3959%1,111
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6585%4,134
Return on assets (ROA)0.6558%4,195
Pretax return on assets0.8761%3,921
Return on Equity (ROE)5.5330%4,194
Retained earnings to average equity (ytd only)5.5330%2,500
Net charge-offs to loans0.0096%2,789
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)129.7500%567
Efficiency ratio79.4293%1,021
Assets per employee ($millions)3.8810%4,023
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0704%3,233
Loan loss allowance to noncurrent loans12,514.2857%67
Noncurrent assets plus other real estate owned to assets0.1854%3,834
Noncurrent loans to loans0.0086%4,684
Net loans and leases to total assets67.2942%2,926
Net loans and leases to deposits76.5296%3,285
Net loans and leases to core deposits81.8892%3,273
Total domestic deposits to total assets87.9322%1,134
Equity capital to assets11.8725%2,286
Core capital (leverage) ratio11.5949%2,094
Tier 1 risk-based capital ratio16.7135%2,174
Total risk-based capital ratio17.7440%2,186
Memoranda:
Average total assets$118,026,0003,795
Average earning assets$103,987,6703,870
Average equity$13,988,6703,790
Average total loans$83,099,6703,593
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1146%1,072
Cost of funding earning assets0.6973%3,069
Net interest margin4.4173%862
Noninterest income to average assets0.3525%3,496
Noninterest expense to average assets3.3538%1,188
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.6556%4,073
Return on assets (ROA)0.6502%4,124
Pretax return on assets0.8727%3,849
Return on Equity (ROE)5.4909%4,191
Retained earnings to average equity (ytd only)5.4909%2,698
Net charge-offs to loans0.0048%2,535
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)257.0000%315
Efficiency ratio79.2239%1,129
Assets per employee ($millions)3.6583%4,400
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0568%3,373
Loan loss allowance to noncurrent loans9,755.5556%87
Noncurrent assets plus other real estate owned to assets0.2154%3,766
Noncurrent loans to loans0.0108%4,738
Net loans and leases to total assets68.0933%2,747
Net loans and leases to deposits79.3760%2,907
Net loans and leases to core deposits83.3460%3,076
Total domestic deposits to total assets85.7858%2,370
Equity capital to assets11.6091%2,305
Core capital (leverage) ratio11.9620%1,800
Tier 1 risk-based capital ratio16.4167%2,297
Total risk-based capital ratio17.4456%2,315
Memoranda:
Average total assets$116,883,0003,851
Average earning assets$102,686,5003,930
Average equity$13,841,0003,826
Average total loans$83,730,0003,618
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8586%1,396
Cost of funding earning assets0.4076%3,943
Net interest margin4.4510%834
Noninterest income to average assets0.4009%3,436
Noninterest expense to average assets3.4641%1,045
Loan and lease loss provision to assets0.1553%1,352
Net operating income to assets0.6135%4,375
Return on assets (ROA)0.5957%4,440
Pretax return on assets0.7877%4,203
Return on Equity (ROE)4.7137%4,525
Retained earnings to average equity (ytd only)3.7755%3,494
Net charge-offs to loans0.0338%2,727
Credit loss provision to net charge-offs634.6154%546
Earnings coverage of net charge-offs (x)39.4615%1,326
Efficiency ratio78.2027%1,106
Assets per employee ($millions)3.7681%4,229
Cash dividends to net income (ytd only)*19.9052%3,477
Condition Ratios (%)
Loss allowance to loans1.0418%3,438
Loan loss allowance to noncurrent loans2,835.4839%279
Noncurrent assets plus other real estate owned to assets0.2495%3,600
Noncurrent loans to loans0.0367%4,604
Net loans and leases to total assets73.8646%1,961
Net loans and leases to deposits86.8766%2,172
Net loans and leases to core deposits92.0829%2,398
Total domestic deposits to total assets85.0224%2,643
Equity capital to assets12.0902%1,828
Core capital (leverage) ratio12.7816%1,324
Tier 1 risk-based capital ratio16.2377%2,326
Total risk-based capital ratio17.2707%2,339
Memoranda:
Average total assets$106,261,4003,997
Average earning assets$96,180,4004,030
Average equity$13,428,8003,824
Average total loans$76,919,2003,729
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7558%1,530
Cost of funding earning assets0.3561%4,142
Net interest margin4.3997%899
Noninterest income to average assets0.4297%3,287
Noninterest expense to average assets3.5243%952
Loan and lease loss provision to assets0.1211%1,667
Net operating income to assets0.6033%4,494
Return on assets (ROA)0.5993%4,510
Pretax return on assets0.7969%4,300
Return on Equity (ROE)4.6872%4,654
Retained earnings to average equity (ytd only)4.6872%3,403
Net charge-offs to loans0.0355%2,374
Credit loss provision to net charge-offs475.0000%731
Earnings coverage of net charge-offs (x)36.1946%1,428
Efficiency ratio79.2431%1,015
Assets per employee ($millions)3.7245%4,274
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0052%3,721
Loan loss allowance to noncurrent loans1,116.4384%543
Noncurrent assets plus other real estate owned to assets0.3097%3,453
Noncurrent loans to loans0.0900%4,483
Net loans and leases to total assets76.9655%1,509
Net loans and leases to deposits91.6319%1,667
Net loans and leases to core deposits98.8607%1,879
Total domestic deposits to total assets83.9942%2,941
Equity capital to assets12.9498%1,359
Core capital (leverage) ratio13.0805%1,245
Tier 1 risk-based capital ratio16.6154%2,238
Total risk-based capital ratio17.5981%2,262
Memoranda:
Average total assets$104,566,2504,059
Average earning assets$95,488,5004,088
Average equity$13,369,2503,867
Average total loans$75,054,7503,810
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6878%1,535
Cost of funding earning assets0.3317%4,191
Net interest margin4.3561%932
Noninterest income to average assets0.4185%3,367
Noninterest expense to average assets3.5104%988
Loan and lease loss provision to assets0.0669%2,557
Net operating income to assets0.6000%4,491
Return on assets (ROA)0.6000%4,497
Pretax return on assets0.8064%4,227
Return on Equity (ROE)4.7133%4,634
Retained earnings to average equity (ytd only)4.7133%3,229
Net charge-offs to loans0.0164%2,593
Credit loss provision to net charge-offs583.3333%638
Earnings coverage of net charge-offs (x)76.1667%849
Efficiency ratio80.0785%1,013
Assets per employee ($millions)3.5247%4,557
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.0494%3,538
Loan loss allowance to noncurrent loans5,492.8571%147
Noncurrent assets plus other real estate owned to assets0.2903%3,607
Noncurrent loans to loans0.0191%4,853
Net loans and leases to total assets68.5713%2,779
Net loans and leases to deposits81.2879%2,836
Net loans and leases to core deposits88.1503%2,702
Total domestic deposits to total assets84.3561%2,931
Equity capital to assets12.6980%1,440
Core capital (leverage) ratio12.7575%1,325
Tier 1 risk-based capital ratio17.7045%1,887
Total risk-based capital ratio18.7039%1,907
Memoranda:
Average total assets$104,659,3304,101
Average earning assets$95,267,6704,125
Average equity$13,324,0003,895
Average total loans$73,046,3303,869
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6234%1,503
Cost of funding earning assets0.2856%4,456
Net interest margin4.3379%883
Noninterest income to average assets0.4725%2,985
Noninterest expense to average assets3.4999%1,001
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.6877%4,143
Return on assets (ROA)0.6877%4,148
Pretax return on assets0.9412%3,726
Return on Equity (ROE)5.3946%4,351
Retained earnings to average equity (ytd only)5.3946%2,994
Net charge-offs to loans0.0219%2,063
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)61.2500%836
Efficiency ratio78.8062%1,283
Assets per employee ($millions)3.6394%4,487
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0123%3,876
Loan loss allowance to noncurrent loans4,906.6667%166
Noncurrent assets plus other real estate owned to assets0.3686%3,355
Noncurrent loans to loans0.0206%4,895
Net loans and leases to total assets68.1937%2,741
Net loans and leases to deposits80.8059%2,719
Net loans and leases to core deposits86.5424%2,756
Total domestic deposits to total assets84.3920%3,153
Equity capital to assets12.6101%1,423
Core capital (leverage) ratio12.9792%1,187
Tier 1 risk-based capital ratio17.9463%1,853
Total risk-based capital ratio18.9258%1,876
Memoranda:
Average total assets$104,118,5004,161
Average earning assets$95,254,5004,167
Average equity$13,272,5003,933
Average total loans$72,931,0003,912
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0681%3,177
Cost of funding earning assets0.2513%4,548
Net interest margin3.8168%2,368
Noninterest income to average assets0.4715%3,177
Noninterest expense to average assets3.0044%2,161
Loan and lease loss provision to assets0.1882%1,119
Net operating income to assets0.2697%4,985
Return on assets (ROA)0.2697%5,001
Pretax return on assets0.7712%4,329
Return on Equity (ROE)2.0949%5,041
Retained earnings to average equity (ytd only)1.1906%4,550
Net charge-offs to loans0.0184%3,486
Credit loss provision to net charge-offs1,616.6667%241
Earnings coverage of net charge-offs (x)82.4167%752
Efficiency ratio75.7954%1,651
Assets per employee ($millions)3.6677%4,487
Cash dividends to net income (ytd only)*43.1655%2,697
Condition Ratios (%)
Loss allowance to loans1.0116%3,869
Loan loss allowance to noncurrent loans4,625.0000%193
Noncurrent assets plus other real estate owned to assets0.4840%2,946
Noncurrent loans to loans0.0219%4,916
Net loans and leases to total assets70.5127%2,445
Net loans and leases to deposits83.9795%2,492
Net loans and leases to core deposits89.8614%2,579
Total domestic deposits to total assets83.9642%3,224
Equity capital to assets12.8887%1,320
Core capital (leverage) ratio13.0899%1,115
Tier 1 risk-based capital ratio18.2175%1,735
Total risk-based capital ratio19.2287%1,757
Memoranda:
Average total assets$103,082,6004,187
Average earning assets$94,318,8004,195
Average equity$13,270,6003,949
Average total loans$65,092,6004,067
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0087%3,325
Cost of funding earning assets0.2512%4,554
Net interest margin3.7575%2,548
Noninterest income to average assets0.4872%3,104
Noninterest expense to average assets2.8739%2,495
Loan and lease loss provision to assets0.0762%2,549
Net operating income to assets0.4264%4,940
Return on assets (ROA)0.4264%4,969
Pretax return on assets0.9394%3,898
Return on Equity (ROE)3.3134%5,036
Retained earnings to average equity (ytd only)3.3134%3,956
Net charge-offs to loans-0.0507%5,166
Credit loss provision to net charge-offs-245.8333%4,664
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8870%1,915
Assets per employee ($millions)4.2800%3,505
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.0130%3,990
Loan loss allowance to noncurrent loans2,210.3448%323
Noncurrent assets plus other real estate owned to assets0.5861%2,755
Noncurrent loans to loans0.0458%4,909
Net loans and leases to total assets60.9790%3,768
Net loans and leases to deposits72.7872%3,689
Net loans and leases to core deposits77.7057%3,665
Total domestic deposits to total assets83.7771%3,199
Equity capital to assets13.1242%1,326
Core capital (leverage) ratio13.3113%1,101
Tier 1 risk-based capital ratio21.0457%1,187
Total risk-based capital ratio22.0465%1,201
Memoranda:
Average total assets$103,179,5004,223
Average earning assets$93,427,5004,250
Average equity$13,279,2503,987
Average total loans$63,077,5004,153
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0195%3,137
Cost of funding earning assets0.2436%4,603
Net interest margin3.7759%2,383
Noninterest income to average assets0.4839%3,123
Noninterest expense to average assets2.8471%2,592
Loan and lease loss provision to assets0.0658%2,657
Net operating income to assets0.6039%4,290
Return on assets (ROA)0.6039%4,334
Pretax return on assets0.9310%3,824
Return on Equity (ROE)4.7230%4,595
Retained earnings to average equity (ytd only)4.7230%2,901
Net charge-offs to loans-0.1428%5,517
Credit loss provision to net charge-offs-75.5556%4,325
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0685%2,006
Assets per employee ($millions)4.0764%3,836
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.0373%3,921
Loan loss allowance to noncurrent loans351.9337%1,385
Noncurrent assets plus other real estate owned to assets0.8341%2,124
Noncurrent loans to loans0.2947%3,986
Net loans and leases to total assets59.6344%3,872
Net loans and leases to deposits71.1948%3,808
Net loans and leases to core deposits76.5724%3,723
Total domestic deposits to total assets83.7623%3,302
Equity capital to assets13.1880%1,286
Core capital (leverage) ratio12.8327%1,247
Tier 1 risk-based capital ratio21.5113%1,118
Total risk-based capital ratio22.5305%1,129
Memoranda:
Average total assets$103,333,0004,251
Average earning assets$91,951,0004,310
Average equity$13,212,0004,005
Average total loans$63,010,6704,174
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0478%2,861
Cost of funding earning assets0.2505%4,532
Net interest margin3.7973%2,120
Noninterest income to average assets0.4767%3,144
Noninterest expense to average assets2.7104%3,103
Loan and lease loss provision to assets0.1000%1,891
Net operating income to assets0.5805%4,238
Return on assets (ROA)0.5805%4,279
Pretax return on assets0.9304%3,658
Return on Equity (ROE)4.6114%4,559
Retained earnings to average equity (ytd only)4.6114%3,116
Net charge-offs to loans0.0627%1,704
Credit loss provision to net charge-offs260.0000%860
Earnings coverage of net charge-offs (x)26.8000%1,292
Efficiency ratio72.4563%2,497
Assets per employee ($millions)4.3375%3,439
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9256%4,658
Loan loss allowance to noncurrent loans181.9048%2,445
Noncurrent assets plus other real estate owned to assets0.9059%2,042
Noncurrent loans to loans0.5088%3,288
Net loans and leases to total assets58.9159%3,892
Net loans and leases to deposits69.8518%3,811
Net loans and leases to core deposits74.3409%3,801
Total domestic deposits to total assets84.3441%3,345
Equity capital to assets12.6934%1,406
Core capital (leverage) ratio12.9661%1,158
Tier 1 risk-based capital ratio20.6649%1,272
Total risk-based capital ratio21.5564%1,298
Memoranda:
Average total assets$104,044,0004,280
Average earning assets$89,431,0004,411
Average equity$13,098,0004,044
Average total loans$63,810,5004,187
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4184%1,773
Cost of funding earning assets0.2598%4,465
Net interest margin4.1585%1,218
Noninterest income to average assets0.4900%3,303
Noninterest expense to average assets2.9114%2,632
Loan and lease loss provision to assets0.2932%651
Net operating income to assets0.5887%4,260
Return on assets (ROA)0.5894%4,365
Pretax return on assets0.8907%3,880
Return on Equity (ROE)4.4802%4,669
Retained earnings to average equity (ytd only)3.5548%3,396
Net charge-offs to loans0.4193%622
Credit loss provision to net charge-offs103.5842%2,500
Earnings coverage of net charge-offs (x)4.1792%3,540
Efficiency ratio71.1100%2,724
Assets per employee ($millions)4.3328%3,390
Cash dividends to net income (ytd only)*20.6540%3,699
Condition Ratios (%)
Loss allowance to loans0.8491%4,961
Loan loss allowance to noncurrent loans174.3750%2,498
Noncurrent assets plus other real estate owned to assets1.0069%1,879
Noncurrent loans to loans0.4869%3,410
Net loans and leases to total assets62.6598%3,518
Net loans and leases to deposits78.6638%3,022
Net loans and leases to core deposits82.4576%3,180
Total domestic deposits to total assets79.6551%4,643
Equity capital to assets12.4843%1,537
Core capital (leverage) ratio13.2461%1,045
Tier 1 risk-based capital ratio19.7343%1,431
Total risk-based capital ratio20.5728%1,480
Memoranda:
Average total assets$98,576,4004,374
Average earning assets$85,438,8004,487
Average equity$12,968,2004,092
Average total loans$66,539,0004,129
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4691%1,634
Cost of funding earning assets0.2596%4,512
Net interest margin4.2096%1,103
Noninterest income to average assets0.4951%3,289
Noninterest expense to average assets2.9553%2,442
Loan and lease loss provision to assets0.1920%1,130
Net operating income to assets0.6807%3,956
Return on assets (ROA)0.6816%4,078
Pretax return on assets1.0189%3,560
Return on Equity (ROE)5.1112%4,471
Retained earnings to average equity (ytd only)5.1112%2,750
Net charge-offs to loans0.4555%463
Credit loss provision to net charge-offs61.4035%2,892
Earnings coverage of net charge-offs (x)3.8684%3,351
Efficiency ratio70.9582%2,750
Assets per employee ($millions)4.3457%3,341
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.6960%5,437
Loan loss allowance to noncurrent loans126.0274%3,156
Noncurrent assets plus other real estate owned to assets1.2306%1,605
Noncurrent loans to loans0.5522%3,341
Net loans and leases to total assets65.6662%3,177
Net loans and leases to deposits83.5580%2,535
Net loans and leases to core deposits87.8141%2,779
Total domestic deposits to total assets78.5875%4,811
Equity capital to assets13.2955%1,348
Core capital (leverage) ratio13.1582%1,129
Tier 1 risk-based capital ratio19.5430%1,539
Total risk-based capital ratio20.2256%1,635
Memoranda:
Average total assets$97,223,7504,435
Average earning assets$84,757,2504,535
Average equity$12,964,7504,132
Average total loans$66,744,7504,149
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5292%1,432
Cost of funding earning assets0.2478%4,682
Net interest margin4.2815%960
Noninterest income to average assets0.4838%3,308
Noninterest expense to average assets3.0213%2,274
Loan and lease loss provision to assets0.2907%628
Net operating income to assets0.5690%4,402
Return on assets (ROA)0.5690%4,529
Pretax return on assets0.9033%3,942
Return on Equity (ROE)4.2624%4,814
Retained earnings to average equity (ytd only)4.2624%3,200
Net charge-offs to loans0.6690%306
Credit loss provision to net charge-offs62.5000%2,547
Earnings coverage of net charge-offs (x)2.5670%3,254
Efficiency ratio71.6749%2,719
Assets per employee ($millions)4.4034%3,211
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.6870%5,540
Loan loss allowance to noncurrent loans98.5138%3,738
Noncurrent assets plus other real estate owned to assets1.2810%1,590
Noncurrent loans to loans0.6973%2,987
Net loans and leases to total assets69.2436%2,599
Net loans and leases to deposits88.5601%1,912
Net loans and leases to core deposits93.2598%2,236
Total domestic deposits to total assets78.1882%4,967
Equity capital to assets13.4628%1,253
Core capital (leverage) ratio13.4120%1,011
Tier 1 risk-based capital ratio18.8037%1,737
Total risk-based capital ratio19.4777%1,836
Memoranda:
Average total assets$96,314,6704,493
Average earning assets$83,943,3304,590
Average equity$12,856,6704,167
Average total loans$66,961,6704,172
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5100%1,478
Cost of funding earning assets0.2759%4,433
Net interest margin4.2340%1,026
Noninterest income to average assets0.5165%3,013
Noninterest expense to average assets2.9698%2,481
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8122%3,177
Return on assets (ROA)0.8122%3,302
Pretax return on assets1.2537%2,485
Return on Equity (ROE)6.1109%3,928
Retained earnings to average equity (ytd only)6.1109%2,326
Net charge-offs to loans0.0060%2,910
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)301.0000%199
Efficiency ratio70.3156%3,065
Assets per employee ($millions)4.1160%3,733
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8139%5,327
Loan loss allowance to noncurrent loans112.0902%3,380
Noncurrent assets plus other real estate owned to assets1.2950%1,664
Noncurrent loans to loans0.7261%3,020
Net loans and leases to total assets70.4138%2,280
Net loans and leases to deposits87.0485%1,939
Net loans and leases to core deposits91.2988%2,248
Total domestic deposits to total assets80.8903%4,525
Equity capital to assets13.6328%1,124
Core capital (leverage) ratio13.3961%1,021
Tier 1 risk-based capital ratio18.9344%1,750
Total risk-based capital ratio19.7393%1,813
Memoranda:
Average total assets$96,035,0004,531
Average earning assets$84,080,5004,618
Average equity$12,764,0004,200
Average total loans$66,671,0004,200
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5104%1,557
Cost of funding earning assets0.3108%4,131
Net interest margin4.1996%1,177
Noninterest income to average assets0.4446%3,710
Noninterest expense to average assets2.8201%3,148
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.8627%3,057
Return on assets (ROA)0.8744%3,086
Pretax return on assets1.3432%2,116
Return on Equity (ROE)6.7669%3,640
Retained earnings to average equity (ytd only)5.8293%1,880
Net charge-offs to loans0.0136%4,024
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)139.7778%444
Efficiency ratio68.0305%3,569
Assets per employee ($millions)4.4273%3,158
Cash dividends to net income (ytd only)*13.8554%3,989
Condition Ratios (%)
Loss allowance to loans0.8286%5,331
Loan loss allowance to noncurrent loans276.7677%1,777
Noncurrent assets plus other real estate owned to assets1.0986%2,001
Noncurrent loans to loans0.2994%4,384
Net loans and leases to total assets67.3371%2,812
Net loans and leases to deposits84.0859%2,349
Net loans and leases to core deposits87.5217%2,649
Total domestic deposits to total assets80.0813%4,724
Equity capital to assets12.9588%1,371
Core capital (leverage) ratio13.0718%1,120
Tier 1 risk-based capital ratio18.7484%1,761
Total risk-based capital ratio19.5591%1,836
Memoranda:
Average total assets$94,926,0004,564
Average earning assets$83,650,4004,641
Average equity$12,265,6004,253
Average total loans$66,207,8004,193
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4875%1,627
Cost of funding earning assets0.3106%4,221
Net interest margin4.1769%1,220
Noninterest income to average assets0.4468%3,738
Noninterest expense to average assets2.8643%2,960
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.8355%3,246
Return on assets (ROA)0.8511%3,256
Pretax return on assets1.3134%2,343
Return on Equity (ROE)6.5918%3,842
Retained earnings to average equity (ytd only)6.5918%1,893
Net charge-offs to loans0.0121%3,751
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)151.9963%462
Efficiency ratio68.9585%3,383
Assets per employee ($millions)4.7666%2,601
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.8242%5,455
Loan loss allowance to noncurrent loans271.4286%1,746
Noncurrent assets plus other real estate owned to assets1.1769%2,010
Noncurrent loans to loans0.3037%4,515
Net loans and leases to total assets69.5454%2,457
Net loans and leases to deposits87.0706%2,016
Net loans and leases to core deposits90.7162%2,385
Total domestic deposits to total assets79.8724%4,777
Equity capital to assets13.1152%1,387
Core capital (leverage) ratio13.3107%1,092
Tier 1 risk-based capital ratio18.2940%1,960
Total risk-based capital ratio19.0966%2,045
Memoranda:
Average total assets$94,307,2504,630
Average earning assets$83,696,5004,700
Average equity$12,176,5004,319
Average total loans$66,226,0004,234
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5153%1,483
Cost of funding earning assets0.3155%4,214
Net interest margin4.1998%1,109
Noninterest income to average assets0.4704%3,558
Noninterest expense to average assets2.8968%2,907
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8282%3,226
Return on assets (ROA)0.8514%3,225
Pretax return on assets1.3218%2,281
Return on Equity (ROE)6.6293%3,818
Retained earnings to average equity (ytd only)6.6293%1,887
Net charge-offs to loans0.0151%3,408
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)120.8000%522
Efficiency ratio69.2621%3,451
Assets per employee ($millions)4.4524%3,060
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8486%5,474
Loan loss allowance to noncurrent loans27,600.0000%29
Noncurrent assets plus other real estate owned to assets0.9850%2,555
Noncurrent loans to loans0.0031%5,766
Net loans and leases to total assets68.9797%2,487
Net loans and leases to deposits83.0984%2,426
Net loans and leases to core deposits86.5033%2,714
Total domestic deposits to total assets83.0096%3,955
Equity capital to assets13.0332%1,386
Core capital (leverage) ratio13.1592%1,110
Tier 1 risk-based capital ratio18.6873%1,875
Total risk-based capital ratio19.5221%1,956
Memoranda:
Average total assets$93,965,6704,682
Average earning assets$83,051,0004,761
Average equity$12,067,6704,370
Average total loans$66,018,0004,275
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5298%1,378
Cost of funding earning assets0.3236%4,180
Net interest margin4.2062%1,046
Noninterest income to average assets0.5096%3,222
Noninterest expense to average assets2.9470%2,750
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8837%2,826
Return on assets (ROA)0.9342%2,715
Pretax return on assets1.3334%2,137
Return on Equity (ROE)7.3281%3,314
Retained earnings to average equity (ytd only)7.3281%1,843
Net charge-offs to loans0.0301%2,584
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)59.4000%746
Efficiency ratio70.0303%3,484
Assets per employee ($millions)4.5595%2,955
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8339%5,612
Loan loss allowance to noncurrent loans3,680.0000%182
Noncurrent assets plus other real estate owned to assets0.9702%2,678
Noncurrent loans to loans0.0227%5,714
Net loans and leases to total assets68.5605%2,357
Net loans and leases to deposits82.1304%2,328
Net loans and leases to core deposits84.8414%2,677
Total domestic deposits to total assets83.4776%4,012
Equity capital to assets12.6769%1,582
Core capital (leverage) ratio12.8626%1,210
Tier 1 risk-based capital ratio18.0684%2,117
Total risk-based capital ratio18.8860%2,218
Memoranda:
Average total assets$94,198,5004,714
Average earning assets$82,829,5004,806
Average equity$12,008,5004,410
Average total loans$66,503,0004,287
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2860%2,658
Cost of funding earning assets0.3304%4,486
Net interest margin3.9556%2,027
Noninterest income to average assets0.4421%3,886
Noninterest expense to average assets2.9771%2,913
Loan and lease loss provision to assets0.0265%4,077
Net operating income to assets0.6996%3,892
Return on assets (ROA)0.7623%3,658
Pretax return on assets1.1779%2,745
Return on Equity (ROE)6.3364%3,984
Retained earnings to average equity (ytd only)5.8869%1,994
Net charge-offs to loans0.1109%2,931
Credit loss provision to net charge-offs36.7647%3,739
Earnings coverage of net charge-offs (x)15.3676%2,086
Efficiency ratio72.8783%3,058
Assets per employee ($millions)4.6324%2,827
Cash dividends to net income (ytd only)*7.0932%4,197
Condition Ratios (%)
Loss allowance to loans0.8337%5,676
Loan loss allowance to noncurrent loans3,713.3333%204
Noncurrent assets plus other real estate owned to assets1.1312%2,497
Noncurrent loans to loans0.0225%5,799
Net loans and leases to total assets71.5083%1,990
Net loans and leases to deposits86.0760%1,972
Net loans and leases to core deposits89.0267%2,379
Total domestic deposits to total assets83.0757%4,050
Equity capital to assets12.8216%1,452
Core capital (leverage) ratio12.9737%1,152
Tier 1 risk-based capital ratio18.0030%2,139
Total risk-based capital ratio18.8418%2,249
Memoranda:
Average total assets$94,320,8004,744
Average earning assets$86,864,2004,721
Average equity$11,347,2004,487
Average total loans$61,340,6004,450
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1886%3,032
Cost of funding earning assets0.3331%4,532
Net interest margin3.8556%2,412
Noninterest income to average assets0.4292%4,028
Noninterest expense to average assets2.9343%3,010
Loan and lease loss provision to assets0.0352%3,699
Net operating income to assets0.6755%4,075
Return on assets (ROA)0.6755%4,164
Pretax return on assets1.0274%3,480
Return on Equity (ROE)5.7068%4,389
Retained earnings to average equity (ytd only)5.7068%2,596
Net charge-offs to loans0.1045%2,754
Credit loss provision to net charge-offs53.1915%3,057
Earnings coverage of net charge-offs (x)16.0625%2,008
Efficiency ratio73.4155%2,919
Assets per employee ($millions)4.6363%2,754
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.9308%5,495
Loan loss allowance to noncurrent loans281.4634%1,615
Noncurrent assets plus other real estate owned to assets1.4246%2,164
Noncurrent loans to loans0.3307%4,912
Net loans and leases to total assets66.2339%2,817
Net loans and leases to deposits79.4083%2,779
Net loans and leases to core deposits81.8422%3,114
Total domestic deposits to total assets83.4092%3,991
Equity capital to assets12.5240%1,681
Core capital (leverage) ratio12.7101%1,299
Tier 1 risk-based capital ratio18.7777%1,964
Total risk-based capital ratio19.6984%2,034
Memoranda:
Average total assets$94,739,0004,777
Average earning assets$87,663,7504,750
Average equity$11,214,2504,548
Average total loans$59,973,7504,527
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0984%3,348
Cost of funding earning assets0.3308%4,635
Net interest margin3.7676%2,679
Noninterest income to average assets0.4171%4,119
Noninterest expense to average assets2.9137%3,115
Loan and lease loss provision to assets0.0440%3,437
Net operating income to assets0.6331%4,190
Return on assets (ROA)0.6331%4,291
Pretax return on assets0.9685%3,616
Return on Equity (ROE)5.4506%4,463
Retained earnings to average equity (ytd only)5.4506%2,671
Net charge-offs to loans0.1551%2,151
Credit loss provision to net charge-offs45.6522%2,854
Earnings coverage of net charge-offs (x)10.5000%2,243
Efficiency ratio74.2125%2,941
Assets per employee ($millions)4.6481%2,700
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.9674%5,498
Loan loss allowance to noncurrent loans275.1196%1,627
Noncurrent assets plus other real estate owned to assets1.4372%2,266
Noncurrent loans to loans0.3516%4,944
Net loans and leases to total assets63.3201%3,192
Net loans and leases to deposits75.5797%3,113
Net loans and leases to core deposits78.2534%3,411
Total domestic deposits to total assets83.7792%4,004
Equity capital to assets12.2578%1,806
Core capital (leverage) ratio12.2720%1,514
Tier 1 risk-based capital ratio19.0870%1,900
Total risk-based capital ratio20.0339%1,940
Memoranda:
Average total assets$95,410,0004,787
Average earning assets$88,863,0004,758
Average equity$11,081,3304,591
Average total loans$59,300,6704,571
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0455%3,498
Cost of funding earning assets0.3342%4,701
Net interest margin3.7113%2,818
Noninterest income to average assets0.4057%4,139
Noninterest expense to average assets2.8892%3,254
Loan and lease loss provision to assets0.0455%3,188
Net operating income to assets0.5919%4,231
Return on assets (ROA)0.5919%4,309
Pretax return on assets0.9189%3,630
Return on Equity (ROE)5.2359%4,430
Retained earnings to average equity (ytd only)5.2359%2,976
Net charge-offs to loans0.2701%1,262
Credit loss provision to net charge-offs27.5000%2,419
Earnings coverage of net charge-offs (x)5.8250%2,324
Efficiency ratio74.9731%2,977
Assets per employee ($millions)5.0503%2,191
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.9572%5,678
Loan loss allowance to noncurrent loans14,275.0000%58
Noncurrent assets plus other real estate owned to assets1.1787%2,899
Noncurrent loans to loans0.0067%6,168
Net loans and leases to total assets61.5751%3,300
Net loans and leases to deposits72.7567%3,238
Net loans and leases to core deposits76.1218%3,397
Total domestic deposits to total assets84.6315%4,032
Equity capital to assets11.5449%2,207
Core capital (leverage) ratio11.7533%1,797
Tier 1 risk-based capital ratio18.4977%2,126
Total risk-based capital ratio19.4217%2,195
Memoranda:
Average total assets$96,634,5004,808
Average earning assets$89,779,0004,779
Average equity$10,924,5004,639
Average total loans$59,232,0004,616
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2109%3,310
Cost of funding earning assets0.3956%4,696
Net interest margin3.8153%2,600
Noninterest income to average assets0.4332%4,208
Noninterest expense to average assets2.9344%3,261
Loan and lease loss provision to assets0.1528%2,367
Net operating income to assets0.8927%2,818
Return on assets (ROA)0.9268%2,737
Pretax return on assets0.8477%3,970
Return on Equity (ROE)8.0476%3,019
Retained earnings to average equity (ytd only)8.0476%1,042
Net charge-offs to loans0.3278%2,038
Credit loss provision to net charge-offs73.5450%3,214
Earnings coverage of net charge-offs (x)4.6508%3,500
Efficiency ratio75.2255%2,912
Assets per employee ($millions)4.8657%2,354
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.0203%5,463
Loan loss allowance to noncurrent loans65.2884%4,652
Noncurrent assets plus other real estate owned to assets1.2270%2,950
Noncurrent loans to loans1.5627%2,553
Net loans and leases to total assets59.8152%3,750
Net loans and leases to deposits71.6080%3,577
Net loans and leases to core deposits74.9157%3,743
Total domestic deposits to total assets83.5315%4,349
Equity capital to assets11.0684%2,552
Core capital (leverage) ratio12.0659%1,559
Tier 1 risk-based capital ratio18.4381%2,102
Total risk-based capital ratio19.4182%2,154
Memoranda:
Average total assets$90,957,0004,955
Average earning assets$82,666,2004,962
Average equity$10,475,2004,749
Average total loans$57,658,2004,695
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2559%3,174
Cost of funding earning assets0.4093%4,740
Net interest margin3.8466%2,478
Noninterest income to average assets0.4267%4,325
Noninterest expense to average assets3.0003%2,994
Loan and lease loss provision to assets0.0194%4,621
Net operating income to assets0.5554%4,554
Return on assets (ROA)0.5774%4,576
Pretax return on assets0.9190%3,795
Return on Equity (ROE)4.9608%4,746
Retained earnings to average equity (ytd only)4.9608%3,113
Net charge-offs to loans0.0860%3,722
Credit loss provision to net charge-offs35.1351%3,801
Earnings coverage of net charge-offs (x)16.3791%1,808
Efficiency ratio76.8437%2,589
Assets per employee ($millions)4.5976%2,722
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0777%5,417
Loan loss allowance to noncurrent loans61.3725%4,767
Noncurrent assets plus other real estate owned to assets1.4083%2,842
Noncurrent loans to loans1.7560%2,564
Net loans and leases to total assets62.4913%3,265
Net loans and leases to deposits75.3590%3,038
Net loans and leases to core deposits78.1764%3,338
Total domestic deposits to total assets82.9248%4,609
Equity capital to assets11.2178%2,544
Core capital (leverage) ratio12.0878%1,620
Tier 1 risk-based capital ratio17.9243%2,351
Total risk-based capital ratio18.9602%2,401
Memoranda:
Average total assets$89,368,0005,045
Average earning assets$80,796,5005,066
Average equity$10,401,2504,812
Average total loans$57,370,7504,748
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2127%3,313
Cost of funding earning assets0.4185%4,767
Net interest margin3.7941%2,576
Noninterest income to average assets0.4248%4,343
Noninterest expense to average assets3.0258%2,918
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.5226%4,706
Return on assets (ROA)0.5559%4,699
Pretax return on assets0.8926%3,934
Return on Equity (ROE)4.7172%4,889
Retained earnings to average equity (ytd only)4.7172%3,254
Net charge-offs to loans0.1190%3,178
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)10.9412%2,102
Efficiency ratio78.2583%2,415
Assets per employee ($millions)4.4972%2,820
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0704%5,550
Loan loss allowance to noncurrent loans60.3922%4,774
Noncurrent assets plus other real estate owned to assets1.4431%2,936
Noncurrent loans to loans1.7724%2,671
Net loans and leases to total assets63.2972%3,048
Net loans and leases to deposits76.5441%2,794
Net loans and leases to core deposits78.8816%3,183
Total domestic deposits to total assets82.6937%4,812
Equity capital to assets11.4316%2,351
Core capital (leverage) ratio11.7777%1,741
Tier 1 risk-based capital ratio17.7567%2,408
Total risk-based capital ratio18.7797%2,470
Memoranda:
Average total assets$88,506,6705,087
Average earning assets$80,282,0005,111
Average equity$10,430,0004,844
Average total loans$57,131,6704,779
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1497%3,515
Cost of funding earning assets0.4291%4,815
Net interest margin3.7206%2,774
Noninterest income to average assets0.3736%4,679
Noninterest expense to average assets3.0118%2,951
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.4650%4,853
Return on assets (ROA)0.5331%4,670
Pretax return on assets0.8247%4,066
Return on Equity (ROE)4.4554%4,868
Retained earnings to average equity (ytd only)4.4554%3,562
Net charge-offs to loans0.0211%3,746
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)52.6667%647
Efficiency ratio80.7082%2,223
Assets per employee ($millions)4.4008%3,151
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1370%5,456
Loan loss allowance to noncurrent loans43.3937%5,462
Noncurrent assets plus other real estate owned to assets1.8440%2,554
Noncurrent loans to loans2.6202%1,963
Net loans and leases to total assets63.9179%2,724
Net loans and leases to deposits77.7742%2,369
Net loans and leases to core deposits80.2734%2,780
Total domestic deposits to total assets82.1839%5,132
Equity capital to assets11.9603%2,070
Core capital (leverage) ratio12.0597%1,535
Tier 1 risk-based capital ratio18.1426%2,302
Total risk-based capital ratio19.2539%2,328
Memoranda:
Average total assets$87,788,0005,155
Average earning assets$79,235,5005,176
Average equity$10,504,0004,884
Average total loans$56,923,5004,819
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3606%3,982
Cost of funding earning assets0.5812%4,523
Net interest margin3.7794%3,319
Noninterest income to average assets0.2891%5,401
Noninterest expense to average assets3.0437%3,116
Loan and lease loss provision to assets0.4098%1,575
Net operating income to assets0.2159%5,744
Return on assets (ROA)0.5618%4,677
Pretax return on assets0.4272%5,490
Return on Equity (ROE)4.7697%4,804
Retained earnings to average equity (ytd only)4.7697%2,871
Net charge-offs to loans0.4882%2,277
Credit loss provision to net charge-offs133.7121%2,094
Earnings coverage of net charge-offs (x)1.6023%4,642
Efficiency ratio86.1084%1,421
Assets per employee ($millions)4.3780%3,194
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.1415%5,381
Loan loss allowance to noncurrent loans42.4282%5,513
Noncurrent assets plus other real estate owned to assets1.9084%2,559
Noncurrent loans to loans2.6905%1,963
Net loans and leases to total assets64.2896%2,846
Net loans and leases to deposits78.1736%2,502
Net loans and leases to core deposits80.8131%2,905
Total domestic deposits to total assets82.2396%5,015
Equity capital to assets11.9701%2,062
Core capital (leverage) ratio12.2706%1,415
Tier 1 risk-based capital ratio17.8798%2,302
Total risk-based capital ratio18.9924%2,325
Memoranda:
Average total assets$86,144,0005,187
Average earning assets$73,980,4005,313
Average equity$10,147,4004,951
Average total loans$54,076,6004,937
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3611%4,202
Cost of funding earning assets0.6178%4,475
Net interest margin3.7433%3,590
Noninterest income to average assets0.4476%4,313
Noninterest expense to average assets3.2217%2,496
Loan and lease loss provision to assets0.5486%1,061
Net operating income to assets-0.1306%6,436
Return on assets (ROA)0.2533%5,965
Pretax return on assets0.2533%6,036
Return on Equity (ROE)2.1595%5,983
Retained earnings to average equity (ytd only)2.1595%5,248
Net charge-offs to loans0.3048%2,913
Credit loss provision to net charge-offs289.3443%935
Earnings coverage of net charge-offs (x)2.2050%4,158
Efficiency ratio88.5141%1,146
Assets per employee ($millions)4.5218%2,877
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.4194%4,292
Loan loss allowance to noncurrent loans47.7108%5,243
Noncurrent assets plus other real estate owned to assets2.0939%2,544
Noncurrent loans to loans2.9749%1,880
Net loans and leases to total assets64.0261%3,024
Net loans and leases to deposits77.8874%2,674
Net loans and leases to core deposits80.6971%3,123
Total domestic deposits to total assets82.2033%4,950
Equity capital to assets11.8582%2,384
Core capital (leverage) ratio11.9891%1,661
Tier 1 risk-based capital ratio18.0346%2,323
Total risk-based capital ratio19.3031%2,292
Memoranda:
Average total assets$85,790,0005,250
Average earning assets$73,159,5005,395
Average equity$10,064,0005,012
Average total loans$53,360,2505,019
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3490%4,380
Cost of funding earning assets0.6555%4,396
Net interest margin3.6935%3,856
Noninterest income to average assets0.4618%4,192
Noninterest expense to average assets3.2281%2,498
Loan and lease loss provision to assets0.7067%766
Net operating income to assets-0.3452%6,648
Return on assets (ROA)0.1073%6,299
Pretax return on assets0.1073%6,310
Return on Equity (ROE)0.9179%6,314
Retained earnings to average equity (ytd only)0.9179%5,705
Net charge-offs to loans0.0343%4,901
Credit loss provision to net charge-offs3,366.6667%87
Earnings coverage of net charge-offs (x)17.2222%1,544
Efficiency ratio89.9285%1,075
Assets per employee ($millions)4.5815%2,754
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5984%3,610
Loan loss allowance to noncurrent loans51.3205%5,042
Noncurrent assets plus other real estate owned to assets2.1138%2,646
Noncurrent loans to loans3.1145%1,881
Net loans and leases to total assets60.4678%3,742
Net loans and leases to deposits73.1848%3,432
Net loans and leases to core deposits77.1257%3,640
Total domestic deposits to total assets82.6234%4,896
Equity capital to assets11.5442%2,548
Core capital (leverage) ratio11.5973%1,836
Tier 1 risk-based capital ratio18.1785%2,240
Total risk-based capital ratio19.4497%2,202
Memoranda:
Average total assets$85,748,3305,284
Average earning assets$72,614,0005,442
Average equity$10,022,6705,025
Average total loans$52,547,0005,083
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3188%4,666
Cost of funding earning assets0.6834%4,425
Net interest margin3.6354%4,109
Noninterest income to average assets0.4324%4,434
Noninterest expense to average assets3.1728%2,688
Loan and lease loss provision to assets0.2350%2,590
Net operating income to assets0.0752%6,284
Return on assets (ROA)0.0752%6,402
Pretax return on assets0.0752%6,419
Return on Equity (ROE)0.6394%6,413
Retained earnings to average equity (ytd only)0.6394%5,803
Net charge-offs to loans0.0307%4,256
Credit loss provision to net charge-offs1,250.0000%277
Earnings coverage of net charge-offs (x)16.5000%1,363
Efficiency ratio91.0931%1,011
Assets per employee ($millions)4.4485%3,085
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1822%5,578
Loan loss allowance to noncurrent loans36.4621%5,824
Noncurrent assets plus other real estate owned to assets2.2184%2,676
Noncurrent loans to loans3.2423%1,978
Net loans and leases to total assets59.9307%3,683
Net loans and leases to deposits72.9674%3,274
Net loans and leases to core deposits77.9292%3,336
Total domestic deposits to total assets82.1334%5,252
Equity capital to assets11.8586%2,140
Core capital (leverage) ratio11.5196%1,879
Tier 1 risk-based capital ratio18.7839%2,057
Total risk-based capital ratio19.9307%2,052
Memoranda:
Average total assets$85,098,5005,336
Average earning assets$71,408,0005,519
Average equity$10,009,5005,039
Average total loans$52,075,0005,143
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4275%5,321
Cost of funding earning assets0.7227%5,388
Net interest margin3.7048%4,276
Noninterest income to average assets0.4333%4,348
Noninterest expense to average assets3.2398%2,728
Loan and lease loss provision to assets0.4769%2,215
Net operating income to assets0.0551%5,956
Return on assets (ROA)0.2756%5,500
Pretax return on assets0.2756%5,623
Return on Equity (ROE)2.1874%5,589
Retained earnings to average equity (ytd only)2.1874%4,655
Net charge-offs to loans0.8588%2,017
Credit loss provision to net charge-offs89.2086%4,045
Earnings coverage of net charge-offs (x)0.9952%5,048
Efficiency ratio85.8939%1,577
Assets per employee ($millions)4.5093%2,894
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.0588%5,968
Loan loss allowance to noncurrent loans29.4118%6,234
Noncurrent assets plus other real estate owned to assets2.4032%2,532
Noncurrent loans to loans3.5999%1,773
Net loans and leases to total assets61.0789%3,763
Net loans and leases to deposits74.1428%3,478
Net loans and leases to core deposits77.4525%3,755
Total domestic deposits to total assets82.3801%5,003
Equity capital to assets11.6672%2,364
Core capital (leverage) ratio12.2038%1,493
Tier 1 risk-based capital ratio18.8202%1,954
Total risk-based capital ratio19.8884%1,974
Memoranda:
Average total assets$77,999,0005,504
Average earning assets$70,287,8005,531
Average equity$9,829,2005,060
Average total loans$48,553,4005,319
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4142%5,564
Cost of funding earning assets0.7169%5,665
Net interest margin3.6972%4,348
Noninterest income to average assets0.4241%4,484
Noninterest expense to average assets3.2579%2,640
Loan and lease loss provision to assets0.4416%2,265
Net operating income to assets0.1227%5,908
Return on assets (ROA)0.4241%5,078
Pretax return on assets0.4241%5,388
Return on Equity (ROE)3.2967%5,313
Retained earnings to average equity (ytd only)3.2967%4,372
Net charge-offs to loans0.1910%4,267
Credit loss provision to net charge-offs370.5882%769
Earnings coverage of net charge-offs (x)4.7355%2,978
Efficiency ratio85.2361%1,610
Assets per employee ($millions)4.0639%3,707
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.6107%3,609
Loan loss allowance to noncurrent loans33.3052%6,070
Noncurrent assets plus other real estate owned to assets3.1054%2,059
Noncurrent loans to loans4.8361%1,323
Net loans and leases to total assets59.2997%4,272
Net loans and leases to deposits72.9871%3,810
Net loans and leases to core deposits76.6394%4,106
Total domestic deposits to total assets81.2468%5,356
Equity capital to assets12.3885%1,977
Core capital (leverage) ratio12.5642%1,408
Tier 1 risk-based capital ratio19.4807%1,821
Total risk-based capital ratio20.7326%1,792
Memoranda:
Average total assets$76,079,7505,611
Average earning assets$69,924,2505,584
Average equity$9,787,5005,097
Average total loans$47,469,2505,406
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4066%5,666
Cost of funding earning assets0.6937%6,002
Net interest margin3.7129%4,205
Noninterest income to average assets0.4035%4,657
Noninterest expense to average assets3.2711%2,665
Loan and lease loss provision to assets0.2260%3,654
Net operating income to assets0.4197%4,859
Return on assets (ROA)0.8554%2,928
Pretax return on assets0.8554%3,812
Return on Equity (ROE)6.5610%3,670
Retained earnings to average equity (ytd only)6.5610%2,104
Net charge-offs to loans0.2640%3,571
Credit loss provision to net charge-offs135.4839%2,251
Earnings coverage of net charge-offs (x)3.8710%3,025
Efficiency ratio83.5165%1,885
Assets per employee ($millions)3.7575%4,304
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3320%4,914
Loan loss allowance to noncurrent loans35.8491%5,918
Noncurrent assets plus other real estate owned to assets2.5869%2,572
Noncurrent loans to loans3.7157%1,890
Net loans and leases to total assets61.8026%3,925
Net loans and leases to deposits77.1969%3,265
Net loans and leases to core deposits81.0244%3,655
Total domestic deposits to total assets80.0583%5,807
Equity capital to assets13.2284%1,421
Core capital (leverage) ratio13.0179%1,157
Tier 1 risk-based capital ratio19.8317%1,645
Total risk-based capital ratio21.0849%1,614
Memoranda:
Average total assets$74,347,3305,711
Average earning assets$70,348,6705,624
Average equity$9,693,6705,125
Average total loans$46,963,6705,482
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3742%5,772
Cost of funding earning assets0.6576%6,353
Net interest margin3.7166%4,015
Noninterest income to average assets0.3841%4,839
Noninterest expense to average assets3.3213%2,491
Loan and lease loss provision to assets0.3137%2,663
Net operating income to assets0.2651%5,562
Return on assets (ROA)0.5788%4,215
Pretax return on assets0.5788%4,768
Return on Equity (ROE)4.4723%4,672
Retained earnings to average equity (ytd only)4.4723%3,493
Net charge-offs to loans0.0597%4,333
Credit loss provision to net charge-offs828.5714%465
Earnings coverage of net charge-offs (x)15.2857%1,327
Efficiency ratio85.1595%1,818
Assets per employee ($millions)3.7779%4,350
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3911%4,707
Loan loss allowance to noncurrent loans35.4403%5,931
Noncurrent assets plus other real estate owned to assets2.6549%2,589
Noncurrent loans to loans3.9251%1,869
Net loans and leases to total assets61.5456%3,957
Net loans and leases to deposits76.3906%3,359
Net loans and leases to core deposits80.5494%3,662
Total domestic deposits to total assets80.5670%5,796
Equity capital to assets12.7281%1,508
Core capital (leverage) ratio12.5779%1,292
Tier 1 risk-based capital ratio19.7678%1,635
Total risk-based capital ratio21.0307%1,607
Memoranda:
Average total assets$73,946,5005,762
Average earning assets$69,955,5005,672
Average equity$9,570,0005,152
Average total loans$46,910,0005,523
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4094%6,598
Cost of funding earning assets0.8030%6,553
Net interest margin3.6065%4,790
Noninterest income to average assets0.4358%4,628
Noninterest expense to average assets3.5478%2,058
Loan and lease loss provision to assets0.2767%4,596
Net operating income to assets-0.0473%5,928
Return on assets (ROA)0.0258%5,898
Pretax return on assets0.0258%5,845
Return on Equity (ROE)0.1891%5,905
Retained earnings to average equity (ytd only)0.1891%5,476
Net charge-offs to loans0.1590%5,393
Credit loss provision to net charge-offs268.0556%1,037
Earnings coverage of net charge-offs (x)2.2222%4,056
Efficiency ratio93.9279%1,063
Assets per employee ($millions)4.2551%3,286
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2966%5,021
Loan loss allowance to noncurrent loans30.5710%6,259
Noncurrent assets plus other real estate owned to assets2.7358%2,549
Noncurrent loans to loans4.2411%1,713
Net loans and leases to total assets63.6709%3,941
Net loans and leases to deposits73.4269%4,292
Net loans and leases to core deposits77.2937%4,551
Total domestic deposits to total assets86.7134%2,972
Equity capital to assets13.1650%1,314
Core capital (leverage) ratio13.4488%984
Tier 1 risk-based capital ratio20.0042%1,487
Total risk-based capital ratio21.2712%1,456
Memoranda:
Average total assets$69,761,4005,898
Average earning assets$64,634,0005,839
Average equity$9,520,8005,257
Average total loans$45,289,4005,695
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4571%6,705
Cost of funding earning assets0.8595%6,546
Net interest margin3.5975%4,890
Noninterest income to average assets0.4302%4,716
Noninterest expense to average assets3.7307%1,509
Loan and lease loss provision to assets0.1968%5,069
Net operating income to assets-0.1871%6,306
Return on assets (ROA)-0.0887%6,263
Pretax return on assets-0.0887%6,210
Return on Equity (ROE)-0.6442%6,244
Retained earnings to average equity (ytd only)-0.6442%5,953
Net charge-offs to loans0.2106%4,677
Credit loss provision to net charge-offs143.6620%2,736
Earnings coverage of net charge-offs (x)0.0705%5,961
Efficiency ratio99.7421%748
Assets per employee ($millions)4.3585%3,152
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0904%5,979
Loan loss allowance to noncurrent loans2,861.1111%129
Noncurrent assets plus other real estate owned to assets0.0243%7,298
Noncurrent loans to loans0.0381%7,152
Net loans and leases to total assets63.0501%4,311
Net loans and leases to deposits72.6355%4,748
Net loans and leases to core deposits77.1761%4,902
Total domestic deposits to total assets86.8034%2,644
Equity capital to assets12.9334%1,611
Core capital (leverage) ratio14.1040%899
Tier 1 risk-based capital ratio19.6627%1,613
Total risk-based capital ratio20.7283%1,617
Memoranda:
Average total assets$69,117,7505,968
Average earning assets$63,597,5005,933
Average equity$9,520,2505,338
Average total loans$44,946,2505,786
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5801%6,519
Cost of funding earning assets0.9323%6,456
Net interest margin3.6478%4,592
Noninterest income to average assets0.4388%4,620
Noninterest expense to average assets3.5666%1,864
Loan and lease loss provision to assets0.1542%5,360
Net operating income to assets0.0356%6,025
Return on assets (ROA)0.1868%5,730
Pretax return on assets0.1868%5,797
Return on Equity (ROE)1.3264%5,860
Retained earnings to average equity (ytd only)1.3264%5,222
Net charge-offs to loans-0.0181%7,270
Credit loss provision to net charge-offs-1,300.0000%6,931
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.9487%1,013
Assets per employee ($millions)4.0022%3,766
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1935%5,488
Loan loss allowance to noncurrent loans2,695.0000%146
Noncurrent assets plus other real estate owned to assets0.0294%7,326
Noncurrent loans to loans0.0443%7,203
Net loans and leases to total assets65.5869%3,918
Net loans and leases to deposits76.5118%4,237
Net loans and leases to core deposits82.9273%4,290
Total domestic deposits to total assets85.7212%3,251
Equity capital to assets14.1656%1,112
Core capital (leverage) ratio13.9213%944
Tier 1 risk-based capital ratio20.9864%1,338
Total risk-based capital ratio22.1674%1,328
Memoranda:
Average total assets$67,458,6706,053
Average earning assets$61,352,6706,049
Average equity$9,499,3305,341
Average total loans$44,184,3305,859
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6392%6,444
Cost of funding earning assets0.9760%6,493
Net interest margin3.6632%4,424
Noninterest income to average assets0.4228%4,715
Noninterest expense to average assets3.5195%1,930
Loan and lease loss provision to assets0.1489%5,061
Net operating income to assets0.0179%6,240
Return on assets (ROA)0.3216%5,335
Pretax return on assets0.3216%5,546
Return on Equity (ROE)2.2906%5,636
Retained earnings to average equity (ytd only)2.2906%4,760
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.4766%1,056
Assets per employee ($millions)3.7160%4,536
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1497%5,777
Loan loss allowance to noncurrent loans2,423.8095%153
Noncurrent assets plus other real estate owned to assets0.0314%7,418
Noncurrent loans to loans0.0474%7,292
Net loans and leases to total assets65.4303%4,012
Net loans and leases to deposits76.3188%4,355
Net loans and leases to core deposits92.0148%3,103
Total domestic deposits to total assets85.7329%3,290
Equity capital to assets14.2342%1,087
Core capital (leverage) ratio14.4352%867
Tier 1 risk-based capital ratio21.3538%1,293
Total risk-based capital ratio22.4924%1,277
Memoranda:
Average total assets$67,169,0006,133
Average earning assets$59,838,0006,178
Average equity$9,430,0005,415
Average total loans$43,695,0005,951
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7070%7,130
Cost of funding earning assets1.2328%6,537
Net interest margin3.4742%5,071
Noninterest income to average assets-0.1401%7,828
Noninterest expense to average assets3.9079%1,502
Loan and lease loss provision to assets0.4204%4,304
Net operating income to assets-1.1992%6,711
Return on assets (ROA)-0.9863%6,573
Pretax return on assets-0.9863%6,401
Return on Equity (ROE)-5.8013%6,283
Retained earnings to average equity (ytd only)-5.8013%6,119
Net charge-offs to loans0.2038%5,359
Credit loss provision to net charge-offs320.2703%1,019
Earnings coverage of net charge-offs (x)-5.9324%7,123
Efficiency ratio124.8866%530
Assets per employee ($millions)3.9676%3,882
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.1226%5,794
Loan loss allowance to noncurrent loans2,304.7619%177
Noncurrent assets plus other real estate owned to assets0.0311%7,443
Noncurrent loans to loans0.0487%7,310
Net loans and leases to total assets63.2053%4,767
Net loans and leases to deposits73.3921%5,140
Net loans and leases to core deposits102.2914%3,774
Total domestic deposits to total assets86.1201%2,949
Equity capital to assets13.8458%1,209
Core capital (leverage) ratio14.1319%959
Tier 1 risk-based capital ratio21.5783%1,208
Total risk-based capital ratio22.6835%1,200
Memoranda:
Average total assets$56,373,0006,479
Average earning assets$53,048,2006,410
Average equity$9,584,0005,419
Average total loans$36,314,4006,289
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7946%7,130
Cost of funding earning assets1.3011%6,558
Net interest margin3.4935%4,886
Noninterest income to average assets-0.3706%8,026
Noninterest expense to average assets4.0917%1,159
Loan and lease loss provision to assets0.4900%3,455
Net operating income to assets-1.6665%7,182
Return on assets (ROA)-1.5596%7,137
Pretax return on assets-1.5596%6,994
Return on Equity (ROE)-8.6673%6,784
Retained earnings to average equity (ytd only)-8.6673%6,673
Net charge-offs to loans0.2658%4,379
Credit loss provision to net charge-offs285.5072%1,468
Earnings coverage of net charge-offs (x)-6.8549%6,875
Efficiency ratio140.3584%381
Assets per employee ($millions)3.7142%4,389
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1156%5,623
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets63.4501%4,983
Net loans and leases to deposits74.6761%5,270
Net loans and leases to core deposits108.6101%3,395
Total domestic deposits to total assets84.9670%3,253
Equity capital to assets14.9000%1,034
Core capital (leverage) ratio16.1621%651
Tier 1 risk-based capital ratio22.6396%1,155
Total risk-based capital ratio23.7344%1,150
Memoranda:
Average total assets$53,603,7506,615
Average earning assets$50,416,2506,561
Average equity$9,645,2505,444
Average total loans$34,614,0006,419
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9233%6,980
Cost of funding earning assets1.3837%6,537
Net interest margin3.5395%4,614
Noninterest income to average assets-0.8726%8,151
Noninterest expense to average assets4.2797%973
Loan and lease loss provision to assets0.4799%3,127
Net operating income to assets-2.3044%7,512
Return on assets (ROA)-2.2489%7,489
Pretax return on assets-2.2489%7,360
Return on Equity (ROE)-11.6615%7,149
Retained earnings to average equity (ytd only)-11.6615%7,025
Net charge-offs to loans0.0613%5,641
Credit loss provision to net charge-offs1,210.0000%409
Earnings coverage of net charge-offs (x)-46.0000%6,594
Efficiency ratio174.3134%270
Assets per employee ($millions)2.8228%6,573
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.1884%5,025
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets67.2851%4,295
Net loans and leases to deposits81.5710%4,289
Net loans and leases to core deposits122.2956%2,183
Total domestic deposits to total assets82.4865%4,488
Equity capital to assets17.4482%609
Core capital (leverage) ratio17.0384%608
Tier 1 risk-based capital ratio25.7019%880
Total risk-based capital ratio26.8919%867
Memoranda:
Average total assets$50,424,6706,805
Average earning assets$47,407,6706,733
Average equity$9,724,3305,449
Average total loans$32,647,0006,576
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0541%6,778
Cost of funding earning assets1.2548%7,162
Net interest margin3.7993%3,443
Noninterest income to average assets0.3113%5,948
Noninterest expense to average assets4.5309%690
Loan and lease loss provision to assets0.3195%3,417
Net operating income to assets-0.9668%7,234
Return on assets (ROA)-0.8521%7,190
Pretax return on assets-0.8521%7,065
Return on Equity (ROE)-4.1988%6,905
Retained earnings to average equity (ytd only)-4.1988%6,448
Net charge-offs to loans0.0651%4,556
Credit loss provision to net charge-offs780.0000%763
Earnings coverage of net charge-offs (x)-15.8000%5,650
Efficiency ratio113.9241%735
Assets per employee ($millions)2.7816%6,689
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0997%5,471
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets60.9165%5,509
Net loans and leases to deposits75.0606%5,333
Net loans and leases to core deposits98.3895%4,705
Total domestic deposits to total assets81.1565%4,904
Equity capital to assets18.6884%522
Core capital (leverage) ratio20.1459%391
Tier 1 risk-based capital ratio26.3137%867
Total risk-based capital ratio27.2744%874
Memoranda:
Average total assets$48,820,5006,912
Average earning assets$45,903,5006,844
Average equity$9,907,5005,411
Average total loans$30,710,0006,721
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7441%6,623
Cost of funding earning assets1.1721%7,967
Net interest margin4.5721%1,245
Noninterest income to average assets0.3536%5,900
Noninterest expense to average assets6.7349%307
Loan and lease loss provision to assets0.7931%1,877
Net operating income to assets-2.8817%7,796
Return on assets (ROA)-2.8817%7,765
Pretax return on assets-2.8817%7,678
Return on Equity (ROE)-8.5593%7,165
Retained earnings to average equity (ytd only)-8.5593%6,931
Net charge-offs to loans0.1158%5,103
Credit loss provision to net charge-offs1,090.9091%408
Earnings coverage of net charge-offs (x)-28.7273%6,954
Efficiency ratio144.9502%373
Assets per employee ($millions)2.7994%6,557
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1224%5,115
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets63.7263%5,332
Net loans and leases to deposits87.0479%3,939
Net loans and leases to core deposits101.4465%4,674
Total domestic deposits to total assets73.2083%6,791
Equity capital to assets22.1880%344
Core capital (leverage) ratio24.6432%271
Tier 1 risk-based capital ratio31.0090%590
Total risk-based capital ratio32.0262%592
Memoranda:
Average total assets$30,260,4007,636
Average earning assets$28,411,6007,595
Average equity$10,187,8005,354
Average total loans$18,998,4007,401