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First Commerce Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8230%802
Cost of funding earning assets1.6784%1,495
Net interest margin4.1446%1,015
Noninterest income to average assets0.3100%3,052
Noninterest expense to average assets2.1414%3,288
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets1.6217%837
Return on assets (ROA)1.6166%812
Pretax return on assets2.0399%629
Return on Equity (ROE)18.6900%742
Retained earnings to average equity (ytd only)14.2563%381
Net charge-offs to loans0.0023%2,718
Credit loss provision to net charge-offs1,909.0909%238
Earnings coverage of net charge-offs (x)1,139.6364%139
Efficiency ratio50.7116%3,928
Assets per employee ($millions)8.7473%1,091
Cash dividends to net income (ytd only)*23.7342%2,805
Condition Ratios (%)
Loss allowance to loans0.9780%3,423
Loan loss allowance to noncurrent loans3,414.7887%329
Noncurrent assets plus other real estate owned to assets0.0225%3,568
Noncurrent loans to loans0.0286%3,535
Net loans and leases to total assets77.9500%875
Net loans and leases to deposits86.5120%1,582
Net loans and leases to core deposits107.5675%1,049
Total domestic deposits to total assets90.1100%728
Equity capital to assets8.9170%2,733
Core capital (leverage) ratio9.6238%3,142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$602,327,8001,472
Average earning assets$568,712,2001,443
Average equity$52,089,4001,552
Average total loans$469,716,4001,298
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6600%840
Cost of funding earning assets1.5142%1,563
Net interest margin4.1458%997
Noninterest income to average assets0.3100%3,041
Noninterest expense to average assets2.0750%3,410
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.6943%801
Return on assets (ROA)1.6874%801
Pretax return on assets2.1415%604
Return on Equity (ROE)19.7000%753
Retained earnings to average equity (ytd only)16.6127%414
Net charge-offs to loans-0.0078%3,859
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio49.1096%3,976
Assets per employee ($millions)8.8166%997
Cash dividends to net income (ytd only)*15.6735%2,620
Condition Ratios (%)
Loss allowance to loans0.9779%3,474
Loan loss allowance to noncurrent loans5,996.1538%203
Noncurrent assets plus other real estate owned to assets0.0130%3,717
Noncurrent loans to loans0.0163%3,671
Net loans and leases to total assets78.9900%758
Net loans and leases to deposits87.7755%1,409
Net loans and leases to core deposits106.0207%1,015
Total domestic deposits to total assets89.9900%939
Equity capital to assets8.7597%2,565
Core capital (leverage) ratio9.7300%3,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$595,382,0001,490
Average earning assets$561,773,2501,460
Average equity$50,996,0001,571
Average total loans$463,191,7501,309
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4644%879
Cost of funding earning assets1.3510%1,577
Net interest margin4.1134%1,066
Noninterest income to average assets0.3100%3,022
Noninterest expense to average assets2.0384%3,501
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.6933%794
Return on assets (ROA)1.6936%795
Pretax return on assets2.1613%564
Return on Equity (ROE)19.9300%712
Retained earnings to average equity (ytd only)15.2469%540
Net charge-offs to loans-0.0218%4,147
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio48.5407%4,030
Assets per employee ($millions)9.0098%904
Cash dividends to net income (ytd only)*23.4791%2,314
Condition Ratios (%)
Loss allowance to loans0.9998%3,419
Loan loss allowance to noncurrent loans5,949.3671%223
Noncurrent assets plus other real estate owned to assets0.0131%3,713
Noncurrent loans to loans0.0168%3,647
Net loans and leases to total assets77.0900%931
Net loans and leases to deposits85.2809%1,563
Net loans and leases to core deposits102.4484%1,114
Total domestic deposits to total assets90.4000%815
Equity capital to assets8.5431%2,829
Core capital (leverage) ratio9.2131%3,545
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$593,999,0001,491
Average earning assets$561,046,0001,457
Average equity$50,489,0001,589
Average total loans$458,168,6671,308
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2057%946
Cost of funding earning assets1.1547%1,577
Net interest margin4.0510%1,176
Noninterest income to average assets0.3100%2,990
Noninterest expense to average assets2.0300%3,559
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.6228%944
Return on assets (ROA)1.6233%943
Pretax return on assets2.0992%657
Return on Equity (ROE)19.1500%862
Retained earnings to average equity (ytd only)19.1479%425
Net charge-offs to loans-0.0363%4,275
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio49.1695%4,012
Assets per employee ($millions)9.3218%834
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0261%3,407
Loan loss allowance to noncurrent loans5,720.7317%268
Noncurrent assets plus other real estate owned to assets0.0135%3,721
Noncurrent loans to loans0.0179%3,660
Net loans and leases to total assets74.6700%1,119
Net loans and leases to deposits82.2942%1,627
Net loans and leases to core deposits97.5973%1,202
Total domestic deposits to total assets90.7400%894
Equity capital to assets8.3729%2,988
Core capital (leverage) ratio9.3276%3,380
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$589,171,0001,526
Average earning assets$556,004,0001,500
Average equity$49,948,0001,613
Average total loans$452,217,0001,334
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5025%713
Cost of funding earning assets0.5175%1,283
Net interest margin3.9851%808
Noninterest income to average assets0.3500%3,007
Noninterest expense to average assets2.1445%3,177
Loan and lease loss provision to assets0.0400%2,129
Net operating income to assets1.4833%921
Return on assets (ROA)1.4544%951
Pretax return on assets1.8738%620
Return on Equity (ROE)16.8100%891
Retained earnings to average equity (ytd only)12.6328%565
Net charge-offs to loans-0.0063%3,679
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio52.4152%3,947
Assets per employee ($millions)8.4180%1,132
Cash dividends to net income (ytd only)*24.8650%2,674
Condition Ratios (%)
Loss allowance to loans1.0582%3,086
Loan loss allowance to noncurrent loans4,011.0169%353
Noncurrent assets plus other real estate owned to assets0.0206%3,640
Noncurrent loans to loans0.0264%3,603
Net loans and leases to total assets77.3100%864
Net loans and leases to deposits85.1994%1,375
Net loans and leases to core deposits97.1058%1,146
Total domestic deposits to total assets90.7400%1,046
Equity capital to assets8.5885%2,641
Core capital (leverage) ratio9.2544%3,397
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$547,495,4001,614
Average earning assets$514,221,4001,595
Average equity$47,360,8001,693
Average total loans$411,093,2001,361
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3100%716
Cost of funding earning assets0.4300%1,100
Net interest margin3.8800%830
Noninterest income to average assets0.3500%3,046
Noninterest expense to average assets2.0586%3,323
Loan and lease loss provision to assets0.0100%2,534
Net operating income to assets1.4600%932
Return on assets (ROA)1.4600%912
Pretax return on assets1.9251%549
Return on Equity (ROE)16.8500%825
Retained earnings to average equity (ytd only)14.0321%460
Net charge-offs to loans0.0043%2,041
Credit loss provision to net charge-offs384.6154%725
Earnings coverage of net charge-offs (x)605.0000%261
Efficiency ratio51.5165%4,045
Assets per employee ($millions)8.5370%1,046
Cash dividends to net income (ytd only)*16.7032%2,603
Condition Ratios (%)
Loss allowance to loans1.0719%3,139
Loan loss allowance to noncurrent loans5,283.7209%258
Noncurrent assets plus other real estate owned to assets0.0153%3,815
Noncurrent loans to loans0.0203%3,769
Net loans and leases to total assets74.4300%1,064
Net loans and leases to deposits81.8550%1,454
Net loans and leases to core deposits92.4407%1,165
Total domestic deposits to total assets90.9300%1,268
Equity capital to assets8.3783%2,618
Core capital (leverage) ratio9.2680%3,322
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$541,263,0001,641
Average earning assets$508,206,5001,626
Average equity$46,910,2501,721
Average total loans$402,045,0001,378
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1485%703
Cost of funding earning assets0.3931%962
Net interest margin3.7554%831
Noninterest income to average assets0.3615%2,981
Noninterest expense to average assets2.0720%3,228
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.3861%938
Return on assets (ROA)1.3861%913
Pretax return on assets1.8252%559
Return on Equity (ROE)15.8081%735
Retained earnings to average equity (ytd only)11.5784%680
Net charge-offs to loans-0.0223%3,921
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1674%4,033
Assets per employee ($millions)8.6588%999
Cash dividends to net income (ytd only)*26.7568%2,216
Condition Ratios (%)
Loss allowance to loans1.1312%3,025
Loan loss allowance to noncurrent loans2,862.2642%408
Noncurrent assets plus other real estate owned to assets0.0291%3,690
Noncurrent loans to loans0.0395%3,650
Net loans and leases to total assets72.9153%1,016
Net loans and leases to deposits80.3081%1,365
Net loans and leases to core deposits90.6765%1,080
Total domestic deposits to total assets90.7944%1,341
Equity capital to assets8.4796%2,782
Core capital (leverage) ratio9.0959%3,352
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$533,869,3331,672
Average earning assets$502,636,6671,651
Average equity$46,811,3331,768
Average total loans$394,757,6671,397
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0556%692
Cost of funding earning assets0.3846%956
Net interest margin3.6710%788
Noninterest income to average assets0.3621%2,923
Noninterest expense to average assets2.0309%3,351
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.3544%895
Return on assets (ROA)1.3544%882
Pretax return on assets1.7870%561
Return on Equity (ROE)15.1884%619
Retained earnings to average equity (ytd only)15.1884%277
Net charge-offs to loans-0.0419%4,199
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1944%4,109
Assets per employee ($millions)8.2634%1,222
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1593%3,058
Loan loss allowance to noncurrent loans5,053.3333%259
Noncurrent assets plus other real estate owned to assets0.0168%3,891
Noncurrent loans to loans0.0229%3,828
Net loans and leases to total assets72.1922%816
Net loans and leases to deposits79.7558%1,166
Net loans and leases to core deposits89.5760%943
Total domestic deposits to total assets90.5165%1,286
Equity capital to assets8.7883%2,890
Core capital (leverage) ratio9.2686%3,047
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$528,050,5001,690
Average earning assets$497,088,5001,676
Average equity$47,088,5001,812
Average total loans$390,982,0001,397
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1713%1,044
Cost of funding earning assets0.5303%791
Net interest margin3.6410%1,360
Noninterest income to average assets0.4000%3,048
Noninterest expense to average assets2.1011%3,385
Loan and lease loss provision to assets0.0399%2,244
Net operating income to assets1.2804%1,659
Return on assets (ROA)1.2811%1,712
Pretax return on assets1.6794%1,202
Return on Equity (ROE)14.2237%1,122
Retained earnings to average equity (ytd only)9.7850%973
Net charge-offs to loans0.0346%1,545
Credit loss provision to net charge-offs158.7302%1,457
Earnings coverage of net charge-offs (x)68.4048%1,090
Efficiency ratio55.0086%3,820
Assets per employee ($millions)8.1090%1,274
Cash dividends to net income (ytd only)*31.2062%2,486
Condition Ratios (%)
Loss allowance to loans1.1567%3,092
Loan loss allowance to noncurrent loans4,898.9130%255
Noncurrent assets plus other real estate owned to assets0.0177%3,965
Noncurrent loans to loans0.0236%3,901
Net loans and leases to total assets74.2128%648
Net loans and leases to deposits82.1472%1,054
Net loans and leases to core deposits92.3413%860
Total domestic deposits to total assets90.3412%784
Equity capital to assets9.0510%3,568
Core capital (leverage) ratio9.1186%3,269
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$501,538,2001,694
Average earning assets$471,049,0001,683
Average equity$45,171,0001,915
Average total loans$364,426,2001,480
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1455%1,194
Cost of funding earning assets0.5661%761
Net interest margin3.5794%1,650
Noninterest income to average assets0.4031%3,066
Noninterest expense to average assets2.0314%3,583
Loan and lease loss provision to assets0.0537%1,909
Net operating income to assets1.2805%1,883
Return on assets (ROA)1.2813%1,941
Pretax return on assets1.6766%1,468
Return on Equity (ROE)14.2452%1,327
Retained earnings to average equity (ytd only)11.2190%1,006
Net charge-offs to loans0.0078%2,024
Credit loss provision to net charge-offs952.3810%525
Earnings coverage of net charge-offs (x)307.0476%427
Efficiency ratio54.0184%3,812
Assets per employee ($millions)7.7814%1,391
Cash dividends to net income (ytd only)*21.2432%2,491
Condition Ratios (%)
Loss allowance to loans1.2382%2,806
Loan loss allowance to noncurrent loans2,217.3077%430
Noncurrent assets plus other real estate owned to assets0.0411%3,881
Noncurrent loans to loans0.0558%3,827
Net loans and leases to total assets72.7308%805
Net loans and leases to deposits80.7520%1,214
Net loans and leases to core deposits91.3622%957
Total domestic deposits to total assets90.0669%744
Equity capital to assets9.2202%3,634
Core capital (leverage) ratio9.1836%3,351
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$497,178,0001,720
Average earning assets$466,354,5001,709
Average equity$44,720,5001,955
Average total loans$358,118,7501,523
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1229%1,307
Cost of funding earning assets0.6057%725
Net interest margin3.5171%1,812
Noninterest income to average assets0.4022%3,101
Noninterest expense to average assets2.0020%3,694
Loan and lease loss provision to assets0.0708%1,637
Net operating income to assets1.2473%2,027
Return on assets (ROA)1.2486%2,090
Pretax return on assets1.6294%1,656
Return on Equity (ROE)14.0011%1,412
Retained earnings to average equity (ytd only)9.3961%1,591
Net charge-offs to loans0.0028%2,092
Credit loss provision to net charge-offs3,500.0000%185
Earnings coverage of net charge-offs (x)839.6000%164
Efficiency ratio54.1002%3,790
Assets per employee ($millions)7.9225%1,249
Cash dividends to net income (ytd only)*32.8905%1,922
Condition Ratios (%)
Loss allowance to loans1.2933%2,472
Loan loss allowance to noncurrent loans2,111.4679%401
Noncurrent assets plus other real estate owned to assets0.0430%3,967
Noncurrent loans to loans0.0613%3,876
Net loans and leases to total assets69.2847%1,288
Net loans and leases to deposits76.6419%1,762
Net loans and leases to core deposits87.9585%1,265
Total domestic deposits to total assets90.4006%600
Equity capital to assets8.8610%3,922
Core capital (leverage) ratio8.7879%3,708
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1435%2,667
Memoranda:
Average total assets$494,306,0001,725
Average earning assets$463,561,0001,714
Average equity$44,082,3331,965
Average total loans$353,331,6671,546
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1546%1,278
Cost of funding earning assets0.6524%680
Net interest margin3.5022%1,819
Noninterest income to average assets0.3755%3,219
Noninterest expense to average assets2.0117%3,679
Loan and lease loss provision to assets0.0820%1,581
Net operating income to assets1.2002%2,145
Return on assets (ROA)1.2002%2,223
Pretax return on assets1.5600%1,829
Return on Equity (ROE)13.4130%1,567
Retained earnings to average equity (ytd only)13.4130%831
Net charge-offs to loans-0.0148%3,851
Credit loss provision to net charge-offs-769.2308%3,286
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0595%3,658
Assets per employee ($millions)7.9625%1,213
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.2777%2,534
Loan loss allowance to noncurrent loans2,020.4444%369
Noncurrent assets plus other real estate owned to assets0.0449%4,053
Noncurrent loans to loans0.0632%3,971
Net loans and leases to total assets70.0202%1,285
Net loans and leases to deposits78.2255%1,696
Net loans and leases to core deposits89.9667%1,234
Total domestic deposits to total assets89.5108%1,064
Equity capital to assets8.8458%3,837
Core capital (leverage) ratio9.0959%3,505
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5722%2,460
Memoranda:
Average total assets$487,939,0001,733
Average earning assets$456,747,5001,723
Average equity$43,659,0001,959
Average total loans$352,045,5001,559
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4359%1,479
Cost of funding earning assets0.9202%802
Net interest margin3.5156%2,426
Noninterest income to average assets0.4227%3,005
Noninterest expense to average assets2.1069%3,923
Loan and lease loss provision to assets0.1675%2,287
Net operating income to assets1.1160%1,857
Return on assets (ROA)1.1170%1,969
Pretax return on assets1.4438%1,531
Return on Equity (ROE)12.6575%1,134
Retained earnings to average equity (ytd only)8.2043%994
Net charge-offs to loans0.1174%1,314
Credit loss provision to net charge-offs201.0256%2,157
Earnings coverage of net charge-offs (x)19.3179%1,985
Efficiency ratio56.6837%3,898
Assets per employee ($millions)7.6490%1,192
Cash dividends to net income (ytd only)*35.1827%2,606
Condition Ratios (%)
Loss allowance to loans1.2728%2,555
Loan loss allowance to noncurrent loans1,824.2798%419
Noncurrent assets plus other real estate owned to assets0.0512%4,085
Noncurrent loans to loans0.0698%4,017
Net loans and leases to total assets72.5084%1,225
Net loans and leases to deposits81.2758%1,732
Net loans and leases to core deposits93.9915%1,250
Total domestic deposits to total assets89.2128%890
Equity capital to assets9.0553%4,009
Core capital (leverage) ratio8.9531%3,749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7552%2,711
Memoranda:
Average total assets$467,929,4001,640
Average earning assets$438,471,0001,632
Average equity$41,295,6001,981
Average total loans$332,223,8001,570
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4305%1,763
Cost of funding earning assets0.9682%852
Net interest margin3.4622%2,711
Noninterest income to average assets0.3408%3,436
Noninterest expense to average assets1.9933%4,160
Loan and lease loss provision to assets0.1115%2,929
Net operating income to assets1.1456%1,835
Return on assets (ROA)1.1467%1,947
Pretax return on assets1.4812%1,486
Return on Equity (ROE)13.0807%1,087
Retained earnings to average equity (ytd only)10.0837%746
Net charge-offs to loans0.0593%1,760
Credit loss provision to net charge-offs267.1233%1,865
Earnings coverage of net charge-offs (x)38.1233%1,401
Efficiency ratio55.6070%3,972
Assets per employee ($millions)7.5299%1,192
Cash dividends to net income (ytd only)*22.9120%2,664
Condition Ratios (%)
Loss allowance to loans1.2470%2,407
Loan loss allowance to noncurrent loans667.1340%844
Noncurrent assets plus other real estate owned to assets0.1615%3,611
Noncurrent loans to loans0.1869%3,643
Net loans and leases to total assets71.4999%1,742
Net loans and leases to deposits80.1841%2,295
Net loans and leases to core deposits93.1118%1,702
Total domestic deposits to total assets89.1697%697
Equity capital to assets8.9886%4,130
Core capital (leverage) ratio8.8723%3,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7809%2,691
Memoranda:
Average total assets$466,351,7501,632
Average earning assets$436,931,5001,616
Average equity$40,883,5001,979
Average total loans$328,205,5001,579
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4602%2,034
Cost of funding earning assets1.0173%936
Net interest margin3.4429%2,967
Noninterest income to average assets0.3295%3,497
Noninterest expense to average assets1.9768%4,276
Loan and lease loss provision to assets0.1035%2,977
Net operating income to assets1.1448%1,823
Return on assets (ROA)1.1465%1,941
Pretax return on assets1.4791%1,503
Return on Equity (ROE)13.1917%1,060
Retained earnings to average equity (ytd only)8.6307%1,123
Net charge-offs to loans0.0823%1,427
Credit loss provision to net charge-offs180.4511%1,992
Earnings coverage of net charge-offs (x)27.5489%1,487
Efficiency ratio55.5717%3,995
Assets per employee ($millions)7.9042%1,007
Cash dividends to net income (ytd only)*34.5749%2,159
Condition Ratios (%)
Loss allowance to loans1.2234%2,392
Loan loss allowance to noncurrent loans557.2581%920
Noncurrent assets plus other real estate owned to assets0.1771%3,648
Noncurrent loans to loans0.2195%3,595
Net loans and leases to total assets68.3092%2,299
Net loans and leases to deposits76.0620%2,854
Net loans and leases to core deposits87.2165%2,327
Total domestic deposits to total assets89.8072%454
Equity capital to assets8.4395%4,512
Core capital (leverage) ratio8.7952%4,119
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4672%2,832
Memoranda:
Average total assets$463,675,3331,615
Average earning assets$434,692,0001,596
Average equity$40,298,0001,988
Average total loans$323,119,0001,581
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7189%1,657
Cost of funding earning assets1.1055%1,030
Net interest margin3.6134%2,621
Noninterest income to average assets0.2966%3,743
Noninterest expense to average assets1.9490%4,493
Loan and lease loss provision to assets0.0799%2,714
Net operating income to assets1.2739%1,312
Return on assets (ROA)1.2760%1,407
Pretax return on assets1.6516%946
Return on Equity (ROE)14.4540%617
Retained earnings to average equity (ytd only)14.4540%223
Net charge-offs to loans0.0140%2,104
Credit loss provision to net charge-offs818.1818%656
Earnings coverage of net charge-offs (x)177.0000%374
Efficiency ratio52.9937%4,470
Assets per employee ($millions)7.6855%835
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.3034%2,134
Loan loss allowance to noncurrent loans634.5146%785
Noncurrent assets plus other real estate owned to assets0.1963%3,704
Noncurrent loans to loans0.2054%3,748
Net loans and leases to total assets68.7653%2,422
Net loans and leases to deposits77.0815%2,969
Net loans and leases to core deposits90.0351%2,338
Total domestic deposits to total assets89.2113%579
Equity capital to assets8.8613%4,669
Core capital (leverage) ratio8.9743%4,484
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2490%2,593
Memoranda:
Average total assets$450,481,5001,609
Average earning assets$421,540,0001,596
Average equity$39,767,5001,991
Average total loans$315,226,5001,574
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8244%1,972
Cost of funding earning assets1.0770%1,414
Net interest margin3.7474%2,666
Noninterest income to average assets0.3272%3,742
Noninterest expense to average assets2.0591%4,429
Loan and lease loss provision to assets0.1300%1,651
Net operating income to assets1.2929%1,719
Return on assets (ROA)1.2931%1,797
Pretax return on assets1.6730%1,263
Return on Equity (ROE)14.8069%729
Retained earnings to average equity (ytd only)9.9174%508
Net charge-offs to loans0.0066%3,442
Credit loss provision to net charge-offs2,800.0000%142
Earnings coverage of net charge-offs (x)388.2000%234
Efficiency ratio53.3189%4,491
Assets per employee ($millions)7.7158%794
Cash dividends to net income (ytd only)*33.0221%2,942
Condition Ratios (%)
Loss allowance to loans1.2842%2,008
Loan loss allowance to noncurrent loans1,529.9242%397
Noncurrent assets plus other real estate owned to assets0.1575%3,850
Noncurrent loans to loans0.0839%4,182
Net loans and leases to total assets69.3789%2,494
Net loans and leases to deposits77.5810%3,052
Net loans and leases to core deposits90.7442%2,354
Total domestic deposits to total assets89.4277%516
Equity capital to assets8.7938%4,789
Core capital (leverage) ratio8.9294%4,575
Tier 1 risk-based capital ratio11.6739%4,539
Total risk-based capital ratio12.8884%4,444
Memoranda:
Average total assets$430,664,0001,624
Average earning assets$406,225,4001,596
Average equity$37,610,8002,023
Average total loans$304,685,4001,586
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8380%2,006
Cost of funding earning assets1.0581%1,509
Net interest margin3.7799%2,656
Noninterest income to average assets0.3273%3,786
Noninterest expense to average assets2.0375%4,482
Loan and lease loss provision to assets0.0844%2,219
Net operating income to assets1.3698%1,575
Return on assets (ROA)1.3700%1,638
Pretax return on assets1.7743%1,150
Return on Equity (ROE)15.7163%657
Retained earnings to average equity (ytd only)12.4202%339
Net charge-offs to loans-0.0009%3,993
Credit loss provision to net charge-offs-13,500.0000%4,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.2992%4,575
Assets per employee ($millions)7.3290%903
Cash dividends to net income (ytd only)*20.9721%3,002
Condition Ratios (%)
Loss allowance to loans1.2339%2,316
Loan loss allowance to noncurrent loans1,604.6809%397
Noncurrent assets plus other real estate owned to assets0.1563%3,954
Noncurrent loans to loans0.0769%4,297
Net loans and leases to total assets69.8046%2,500
Net loans and leases to deposits78.5750%3,046
Net loans and leases to core deposits92.9113%2,277
Total domestic deposits to total assets88.8381%677
Equity capital to assets9.0463%4,760
Core capital (leverage) ratio9.0856%4,568
Tier 1 risk-based capital ratio12.2294%4,294
Total risk-based capital ratio13.4260%4,212
Memoranda:
Average total assets$426,450,5001,650
Average earning assets$402,611,7501,614
Average equity$37,175,0002,054
Average total loans$302,226,2501,607
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8001%2,058
Cost of funding earning assets1.0257%1,582
Net interest margin3.7744%2,672
Noninterest income to average assets0.3190%3,793
Noninterest expense to average assets2.0369%4,540
Loan and lease loss provision to assets0.0848%2,145
Net operating income to assets1.3651%1,528
Return on assets (ROA)1.3655%1,586
Pretax return on assets1.7679%1,126
Return on Equity (ROE)15.8674%612
Retained earnings to average equity (ytd only)10.8356%573
Net charge-offs to loans-0.0086%4,280
Credit loss provision to net charge-offs-1,384.6154%4,312
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3746%4,623
Assets per employee ($millions)7.2559%897
Cash dividends to net income (ytd only)*31.7115%2,563
Condition Ratios (%)
Loss allowance to loans1.2205%2,416
Loan loss allowance to noncurrent loans1,519.3416%419
Noncurrent assets plus other real estate owned to assets0.1598%3,965
Noncurrent loans to loans0.0803%4,321
Net loans and leases to total assets69.8015%2,553
Net loans and leases to deposits78.1805%3,137
Net loans and leases to core deposits89.5523%2,631
Total domestic deposits to total assets89.2826%546
Equity capital to assets8.7779%4,913
Core capital (leverage) ratio8.6378%4,887
Tier 1 risk-based capital ratio12.0526%4,385
Total risk-based capital ratio13.2533%4,302
Memoranda:
Average total assets$424,464,0001,661
Average earning assets$401,495,0001,625
Average equity$36,527,6702,081
Average total loans$301,097,3301,621
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7393%2,085
Cost of funding earning assets0.9756%1,677
Net interest margin3.7636%2,658
Noninterest income to average assets0.3114%3,782
Noninterest expense to average assets2.0320%4,586
Loan and lease loss provision to assets0.0852%2,000
Net operating income to assets1.3583%1,498
Return on assets (ROA)1.3591%1,532
Pretax return on assets1.7584%1,080
Return on Equity (ROE)15.9544%595
Retained earnings to average equity (ytd only)15.9544%226
Net charge-offs to loans0.0013%2,714
Credit loss provision to net charge-offs9,000.0000%25
Earnings coverage of net charge-offs (x)1,947.0000%16
Efficiency ratio52.4426%4,666
Assets per employee ($millions)7.2278%903
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.1983%2,589
Loan loss allowance to noncurrent loans1,013.5593%597
Noncurrent assets plus other real estate owned to assets0.1102%4,257
Noncurrent loans to loans0.1182%4,211
Net loans and leases to total assets68.2171%2,729
Net loans and leases to deposits76.1248%3,249
Net loans and leases to core deposits86.7443%2,798
Total domestic deposits to total assets89.6121%594
Equity capital to assets8.4910%4,993
Core capital (leverage) ratio8.6716%4,896
Tier 1 risk-based capital ratio11.8393%4,544
Total risk-based capital ratio13.0026%4,491
Memoranda:
Average total assets$422,647,0001,673
Average earning assets$400,145,0001,636
Average equity$36,002,5002,096
Average total loans$300,390,5001,633
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7671%1,615
Cost of funding earning assets0.7821%1,630
Net interest margin3.9850%2,041
Noninterest income to average assets0.3474%3,785
Noninterest expense to average assets2.2052%4,329
Loan and lease loss provision to assets0.1256%1,749
Net operating income to assets1.3808%1,497
Return on assets (ROA)1.3827%1,482
Pretax return on assets1.7730%988
Return on Equity (ROE)15.6813%690
Retained earnings to average equity (ytd only)10.2247%589
Net charge-offs to loans0.0110%3,311
Credit loss provision to net charge-offs1,548.3871%270
Earnings coverage of net charge-offs (x)233.8065%399
Efficiency ratio53.7667%4,639
Assets per employee ($millions)7.2215%890
Cash dividends to net income (ytd only)*34.7966%2,800
Condition Ratios (%)
Loss allowance to loans1.1611%2,765
Loan loss allowance to noncurrent loans1,066.7683%584
Noncurrent assets plus other real estate owned to assets0.1098%4,285
Noncurrent loans to loans0.1088%4,239
Net loans and leases to total assets72.3614%2,199
Net loans and leases to deposits80.7271%2,882
Net loans and leases to core deposits92.4990%2,366
Total domestic deposits to total assets89.6371%607
Equity capital to assets8.5471%4,899
Core capital (leverage) ratio8.7543%4,842
Tier 1 risk-based capital ratio11.0937%4,928
Total risk-based capital ratio12.2001%4,889
Memoranda:
Average total assets$382,226,2001,792
Average earning assets$360,070,8001,769
Average equity$33,702,6002,127
Average total loans$281,877,4001,668
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7489%1,551
Cost of funding earning assets0.7243%1,724
Net interest margin4.0246%1,876
Noninterest income to average assets0.3574%3,740
Noninterest expense to average assets2.2154%4,285
Loan and lease loss provision to assets0.0676%2,629
Net operating income to assets1.4422%1,352
Return on assets (ROA)1.4447%1,346
Pretax return on assets1.8640%871
Return on Equity (ROE)16.2479%654
Retained earnings to average equity (ytd only)12.5719%408
Net charge-offs to loans-0.0005%3,990
Credit loss provision to net charge-offs-19,000.0000%4,931
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4632%4,660
Assets per employee ($millions)6.7348%1,061
Cash dividends to net income (ytd only)*22.6243%2,901
Condition Ratios (%)
Loss allowance to loans1.1256%3,048
Loan loss allowance to noncurrent loans861.9681%678
Noncurrent assets plus other real estate owned to assets0.1280%4,323
Noncurrent loans to loans0.1306%4,297
Net loans and leases to total assets72.8862%2,190
Net loans and leases to deposits81.9444%2,825
Net loans and leases to core deposits94.7337%2,230
Total domestic deposits to total assets88.9459%865
Equity capital to assets8.8865%4,652
Core capital (leverage) ratio9.0883%4,621
Tier 1 risk-based capital ratio11.2932%4,901
Total risk-based capital ratio12.3458%4,885
Memoranda:
Average total assets$374,876,7501,820
Average earning assets$352,689,0001,804
Average equity$33,332,7502,144
Average total loans$277,007,7501,694
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6903%1,529
Cost of funding earning assets0.6620%1,861
Net interest margin4.0283%1,770
Noninterest income to average assets0.3555%3,789
Noninterest expense to average assets2.2309%4,297
Loan and lease loss provision to assets0.0649%2,597
Net operating income to assets1.4376%1,317
Return on assets (ROA)1.4414%1,308
Pretax return on assets1.8575%866
Return on Equity (ROE)16.2078%631
Retained earnings to average equity (ytd only)10.6166%762
Net charge-offs to loans0.0124%2,718
Credit loss provision to net charge-offs705.8824%552
Earnings coverage of net charge-offs (x)208.4706%410
Efficiency ratio53.7759%4,716
Assets per employee ($millions)6.5651%1,146
Cash dividends to net income (ytd only)*34.4970%2,383
Condition Ratios (%)
Loss allowance to loans1.1165%3,166
Loan loss allowance to noncurrent loans1,146.5455%530
Noncurrent assets plus other real estate owned to assets0.1048%4,470
Noncurrent loans to loans0.0974%4,478
Net loans and leases to total assets73.3372%2,066
Net loans and leases to deposits82.4164%2,724
Net loans and leases to core deposits94.7686%2,154
Total domestic deposits to total assets88.9838%941
Equity capital to assets8.8013%4,717
Core capital (leverage) ratio8.9102%4,766
Tier 1 risk-based capital ratio10.9660%5,069
Total risk-based capital ratio12.0021%5,065
Memoranda:
Average total assets$369,630,3301,844
Average earning assets$348,036,6701,826
Average equity$32,873,0002,176
Average total loans$273,361,6701,718
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6249%1,498
Cost of funding earning assets0.6083%2,003
Net interest margin4.0167%1,671
Noninterest income to average assets0.3769%3,611
Noninterest expense to average assets2.2557%4,274
Loan and lease loss provision to assets0.0659%2,453
Net operating income to assets1.4321%1,248
Return on assets (ROA)1.4338%1,251
Pretax return on assets1.8448%836
Return on Equity (ROE)16.0354%614
Retained earnings to average equity (ytd only)16.0354%247
Net charge-offs to loans-0.0060%4,064
Credit loss provision to net charge-offs-1,500.0000%4,227
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1689%4,784
Assets per employee ($millions)6.4292%1,241
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1564%3,060
Loan loss allowance to noncurrent loans1,549.2537%418
Noncurrent assets plus other real estate owned to assets0.0960%4,611
Noncurrent loans to loans0.0746%4,650
Net loans and leases to total assets71.3804%2,275
Net loans and leases to deposits78.9867%2,920
Net loans and leases to core deposits93.9270%2,146
Total domestic deposits to total assets90.3702%512
Equity capital to assets8.8765%4,686
Core capital (leverage) ratio9.1353%4,526
Tier 1 risk-based capital ratio11.1190%5,074
Total risk-based capital ratio12.1702%5,083
Memoranda:
Average total assets$364,058,5001,880
Average earning assets$343,270,0001,859
Average equity$32,553,0002,203
Average total loans$268,841,5001,749
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5783%1,491
Cost of funding earning assets0.5375%2,055
Net interest margin4.0408%1,621
Noninterest income to average assets0.3228%4,159
Noninterest expense to average assets2.2023%4,527
Loan and lease loss provision to assets0.0940%2,326
Net operating income to assets1.1335%1,741
Return on assets (ROA)1.1348%1,768
Pretax return on assets1.8348%724
Return on Equity (ROE)12.6452%1,041
Retained earnings to average equity (ytd only)-0.2984%5,084
Net charge-offs to loans0.1108%1,957
Credit loss provision to net charge-offs116.6078%2,238
Earnings coverage of net charge-offs (x)23.8975%1,785
Efficiency ratio53.3361%5,005
Assets per employee ($millions)6.1245%1,430
Cash dividends to net income (ytd only)*102.3600%323
Condition Ratios (%)
Loss allowance to loans1.1364%3,138
Loan loss allowance to noncurrent loans719.3396%826
Noncurrent assets plus other real estate owned to assets0.1636%4,324
Noncurrent loans to loans0.1580%4,295
Net loans and leases to total assets74.6984%1,809
Net loans and leases to deposits82.7063%2,641
Net loans and leases to core deposits96.4197%1,993
Total domestic deposits to total assets90.3176%462
Equity capital to assets9.0101%4,714
Core capital (leverage) ratio8.9396%4,717
Tier 1 risk-based capital ratio10.9585%5,172
Total risk-based capital ratio12.0144%5,160
Memoranda:
Average total assets$350,989,0001,912
Average earning assets$330,624,0001,890
Average equity$31,498,0002,253
Average total loans$255,525,2001,787
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5300%1,559
Cost of funding earning assets0.5263%2,066
Net interest margin4.0037%1,687
Noninterest income to average assets0.3094%4,312
Noninterest expense to average assets2.2126%4,498
Loan and lease loss provision to assets0.0514%3,069
Net operating income to assets1.2418%1,541
Return on assets (ROA)1.2429%1,562
Pretax return on assets1.8209%839
Return on Equity (ROE)13.8638%863
Retained earnings to average equity (ytd only)-0.4548%5,283
Net charge-offs to loans0.0174%3,154
Credit loss provision to net charge-offs409.0909%757
Earnings coverage of net charge-offs (x)148.7841%541
Efficiency ratio54.1849%4,924
Assets per employee ($millions)6.2847%1,315
Cash dividends to net income (ytd only)*103.2804%281
Condition Ratios (%)
Loss allowance to loans1.1666%3,112
Loan loss allowance to noncurrent loans1,457.7465%450
Noncurrent assets plus other real estate owned to assets0.1033%4,722
Noncurrent loans to loans0.0800%4,753
Net loans and leases to total assets73.4325%2,017
Net loans and leases to deposits81.5500%2,824
Net loans and leases to core deposits94.3215%2,242
Total domestic deposits to total assets90.0460%457
Equity capital to assets8.9566%4,948
Core capital (leverage) ratio8.9560%4,790
Tier 1 risk-based capital ratio11.0564%5,209
Total risk-based capital ratio12.1413%5,196
Memoranda:
Average total assets$349,930,7501,927
Average earning assets$329,850,5001,906
Average equity$31,371,0002,276
Average total loans$252,307,7501,813
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4573%1,636
Cost of funding earning assets0.5179%2,032
Net interest margin3.9395%1,807
Noninterest income to average assets0.2984%4,401
Noninterest expense to average assets2.2024%4,559
Loan and lease loss provision to assets0.0518%2,948
Net operating income to assets1.2042%1,586
Return on assets (ROA)1.2058%1,611
Pretax return on assets1.7628%914
Return on Equity (ROE)13.4455%938
Retained earnings to average equity (ytd only)-8.1971%5,615
Net charge-offs to loans0.0186%2,876
Credit loss provision to net charge-offs391.3043%795
Earnings coverage of net charge-offs (x)136.7826%533
Efficiency ratio54.8572%4,937
Assets per employee ($millions)6.2578%1,282
Cash dividends to net income (ytd only)*160.9651%126
Condition Ratios (%)
Loss allowance to loans1.2197%2,897
Loan loss allowance to noncurrent loans1,401.8265%453
Noncurrent assets plus other real estate owned to assets0.1054%4,778
Noncurrent loans to loans0.0870%4,782
Net loans and leases to total assets69.7064%2,568
Net loans and leases to deposits77.0158%3,215
Net loans and leases to core deposits89.4009%2,581
Total domestic deposits to total assets90.5093%356
Equity capital to assets8.6769%5,169
Core capital (leverage) ratio8.6794%5,062
Tier 1 risk-based capital ratio11.2525%5,115
Total risk-based capital ratio12.3858%5,068
Memoranda:
Average total assets$347,165,3301,937
Average earning assets$327,507,3301,920
Average equity$31,133,0002,283
Average total loans$247,690,3301,840
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4049%1,634
Cost of funding earning assets0.5069%2,031
Net interest margin3.8980%1,784
Noninterest income to average assets0.2815%4,537
Noninterest expense to average assets2.2278%4,578
Loan and lease loss provision to assets0.0526%2,761
Net operating income to assets1.1519%1,659
Return on assets (ROA)1.1519%1,695
Pretax return on assets1.6752%1,059
Return on Equity (ROE)12.6311%1,078
Retained earnings to average equity (ytd only)-21.4703%5,746
Net charge-offs to loans0.0163%2,469
Credit loss provision to net charge-offs450.0000%606
Earnings coverage of net charge-offs (x)147.9000%369
Efficiency ratio56.3201%4,903
Assets per employee ($millions)6.2042%1,368
Cash dividends to net income (ytd only)*269.9797%136
Condition Ratios (%)
Loss allowance to loans1.2293%2,943
Loan loss allowance to noncurrent loans1,088.8889%569
Noncurrent assets plus other real estate owned to assets0.1301%4,739
Noncurrent loans to loans0.1129%4,745
Net loans and leases to total assets70.2542%2,331
Net loans and leases to deposits77.7330%3,007
Net loans and leases to core deposits88.1168%2,534
Total domestic deposits to total assets90.3789%521
Equity capital to assets8.7548%5,038
Core capital (leverage) ratio8.8641%4,889
Tier 1 risk-based capital ratio11.5251%5,012
Total risk-based capital ratio12.6890%4,966
Memoranda:
Average total assets$342,400,0001,975
Average earning assets$322,732,5001,953
Average equity$31,224,5002,279
Average total loans$245,680,5001,860
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4986%1,539
Cost of funding earning assets0.4876%2,188
Net interest margin4.0110%1,608
Noninterest income to average assets0.4753%3,378
Noninterest expense to average assets2.3339%4,474
Loan and lease loss provision to assets0.1183%2,098
Net operating income to assets1.2784%1,276
Return on assets (ROA)1.3111%1,249
Pretax return on assets1.8355%725
Return on Equity (ROE)13.2050%950
Retained earnings to average equity (ytd only)6.1510%1,633
Net charge-offs to loans0.0325%3,372
Credit loss provision to net charge-offs520.5479%640
Earnings coverage of net charge-offs (x)83.9589%689
Efficiency ratio55.0231%5,149
Assets per employee ($millions)6.0244%1,466
Cash dividends to net income (ytd only)*53.4188%2,105
Condition Ratios (%)
Loss allowance to loans1.2295%2,941
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0560%5,112
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets71.5048%2,239
Net loans and leases to deposits79.5455%2,936
Net loans and leases to core deposits91.3623%2,358
Total domestic deposits to total assets89.8917%688
Equity capital to assets9.4947%4,275
Core capital (leverage) ratio9.5103%4,069
Tier 1 risk-based capital ratio12.2807%4,517
Total risk-based capital ratio13.4425%4,464
Memoranda:
Average total assets$321,266,4002,053
Average earning assets$301,672,4002,032
Average equity$31,897,0002,227
Average total loans$224,288,6001,951
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4748%1,624
Cost of funding earning assets0.4758%2,310
Net interest margin3.9989%1,655
Noninterest income to average assets0.5245%3,081
Noninterest expense to average assets2.3439%4,423
Loan and lease loss provision to assets0.0567%3,106
Net operating income to assets1.3531%1,160
Return on assets (ROA)1.3978%1,128
Pretax return on assets1.9371%652
Return on Equity (ROE)13.9175%840
Retained earnings to average equity (ytd only)10.7791%447
Net charge-offs to loans0.0243%3,182
Credit loss provision to net charge-offs337.5000%949
Earnings coverage of net charge-offs (x)114.9044%590
Efficiency ratio54.8216%5,171
Assets per employee ($millions)5.9805%1,449
Cash dividends to net income (ytd only)*22.5497%3,120
Condition Ratios (%)
Loss allowance to loans1.2042%3,212
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0611%5,199
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets69.6127%2,551
Net loans and leases to deposits78.0842%3,179
Net loans and leases to core deposits89.8392%2,593
Total domestic deposits to total assets89.1508%822
Equity capital to assets10.0861%4,050
Core capital (leverage) ratio10.0289%3,536
Tier 1 risk-based capital ratio13.1496%4,068
Total risk-based capital ratio14.2846%4,054
Memoranda:
Average total assets$317,241,5002,079
Average earning assets$297,572,7502,058
Average equity$31,863,2502,250
Average total loans$219,301,7501,985
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4714%1,599
Cost of funding earning assets0.4621%2,454
Net interest margin4.0093%1,618
Noninterest income to average assets0.6306%2,461
Noninterest expense to average assets2.3808%4,402
Loan and lease loss provision to assets0.0574%2,991
Net operating income to assets1.4448%978
Return on assets (ROA)1.4476%1,026
Pretax return on assets1.9512%632
Return on Equity (ROE)14.4341%761
Retained earnings to average equity (ytd only)9.6609%669
Net charge-offs to loans0.0112%3,330
Credit loss provision to net charge-offs750.0000%469
Earnings coverage of net charge-offs (x)261.7500%261
Efficiency ratio54.2861%5,287
Assets per employee ($millions)5.9764%1,422
Cash dividends to net income (ytd only)*33.0688%2,714
Condition Ratios (%)
Loss allowance to loans1.2450%3,103
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1586%4,872
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets68.1823%2,752
Net loans and leases to deposits76.2823%3,349
Net loans and leases to core deposits85.0094%2,985
Total domestic deposits to total assets89.3816%731
Equity capital to assets10.0086%4,216
Core capital (leverage) ratio9.8127%3,799
Tier 1 risk-based capital ratio13.2746%4,032
Total risk-based capital ratio14.4517%3,991
Memoranda:
Average total assets$313,346,3302,108
Average earning assets$293,466,3302,097
Average equity$31,425,6702,278
Average total loans$215,147,0002,015
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4208%1,742
Cost of funding earning assets0.4454%2,634
Net interest margin3.9754%1,689
Noninterest income to average assets0.3382%4,315
Noninterest expense to average assets2.3288%4,576
Loan and lease loss provision to assets0.0583%2,787
Net operating income to assets1.1455%1,726
Return on assets (ROA)1.1482%1,831
Pretax return on assets1.6679%1,134
Return on Equity (ROE)11.4365%1,471
Retained earnings to average equity (ytd only)11.4365%586
Net charge-offs to loans-0.0133%4,658
Credit loss provision to net charge-offs-642.8571%4,627
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4856%5,056
Assets per employee ($millions)5.9070%1,477
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3047%2,873
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1799%4,845
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets65.1668%3,086
Net loans and leases to deposits73.0334%3,547
Net loans and leases to core deposits81.2452%3,211
Total domestic deposits to total assets89.2288%982
Equity capital to assets9.8586%4,265
Core capital (leverage) ratio10.0496%3,475
Tier 1 risk-based capital ratio13.4846%3,987
Total risk-based capital ratio14.6934%3,937
Memoranda:
Average total assets$308,658,0002,140
Average earning assets$288,276,5002,135
Average equity$30,988,5002,304
Average total loans$211,313,5002,040
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5531%1,449
Cost of funding earning assets0.3852%3,315
Net interest margin4.1678%1,238
Noninterest income to average assets0.3091%4,677
Noninterest expense to average assets2.4385%4,416
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.1869%1,599
Return on assets (ROA)1.2351%1,488
Pretax return on assets1.8250%766
Return on Equity (ROE)12.2310%1,245
Retained earnings to average equity (ytd only)7.1629%1,205
Net charge-offs to loans0.2438%1,232
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)10.2615%2,706
Efficiency ratio58.1624%5,122
Assets per employee ($millions)5.6290%1,682
Cash dividends to net income (ytd only)*41.4365%2,773
Condition Ratios (%)
Loss allowance to loans1.2716%3,056
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1964%4,812
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets70.1605%2,341
Net loans and leases to deposits78.9078%2,952
Net loans and leases to core deposits88.4776%2,558
Total domestic deposits to total assets88.9145%1,161
Equity capital to assets10.2334%3,704
Core capital (leverage) ratio9.9850%3,532
Tier 1 risk-based capital ratio13.4114%4,050
Total risk-based capital ratio14.6259%4,011
Memoranda:
Average total assets$293,089,8002,190
Average earning assets$273,091,4002,184
Average equity$29,597,0002,347
Average total loans$205,463,2002,024
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5286%1,514
Cost of funding earning assets0.3816%3,411
Net interest margin4.1470%1,285
Noninterest income to average assets0.3240%4,622
Noninterest expense to average assets2.4580%4,328
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1824%1,711
Return on assets (ROA)1.2470%1,550
Pretax return on assets1.8242%854
Return on Equity (ROE)12.3914%1,270
Retained earnings to average equity (ytd only)8.9859%914
Net charge-offs to loans0.3245%819
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)7.6290%2,894
Efficiency ratio58.7035%5,043
Assets per employee ($millions)5.5367%1,755
Cash dividends to net income (ytd only)*27.4827%2,925
Condition Ratios (%)
Loss allowance to loans1.3015%3,083
Loan loss allowance to noncurrent loans1,268.0751%461
Noncurrent assets plus other real estate owned to assets0.3010%4,564
Noncurrent loans to loans0.1026%5,226
Net loans and leases to total assets68.5079%2,601
Net loans and leases to deposits77.0175%3,193
Net loans and leases to core deposits87.9901%2,661
Total domestic deposits to total assets88.9511%1,049
Equity capital to assets10.1110%4,041
Core capital (leverage) ratio10.1226%3,471
Tier 1 risk-based capital ratio13.4917%4,144
Total risk-based capital ratio14.7215%4,086
Memoranda:
Average total assets$291,778,2502,211
Average earning assets$271,804,7502,207
Average equity$29,363,7502,374
Average total loans$203,826,5002,053
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5041%1,524
Cost of funding earning assets0.3828%3,451
Net interest margin4.1212%1,299
Noninterest income to average assets0.3304%4,593
Noninterest expense to average assets2.4563%4,378
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.1716%1,693
Return on assets (ROA)1.2261%1,596
Pretax return on assets1.7935%906
Return on Equity (ROE)12.2029%1,315
Retained earnings to average equity (ytd only)7.0439%1,687
Net charge-offs to loans0.0099%3,562
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)247.9000%280
Efficiency ratio58.9093%5,121
Assets per employee ($millions)5.4776%1,762
Cash dividends to net income (ytd only)*42.2773%2,293
Condition Ratios (%)
Loss allowance to loans1.5545%2,071
Loan loss allowance to noncurrent loans472.1481%1,079
Noncurrent assets plus other real estate owned to assets0.4781%4,020
Noncurrent loans to loans0.3292%4,514
Net loans and leases to total assets69.5227%2,401
Net loans and leases to deposits78.1988%3,003
Net loans and leases to core deposits89.2734%2,421
Total domestic deposits to total assets88.9050%1,183
Equity capital to assets10.0640%3,962
Core capital (leverage) ratio9.8594%3,791
Tier 1 risk-based capital ratio13.4163%4,268
Total risk-based capital ratio14.6694%4,199
Memoranda:
Average total assets$289,377,6702,238
Average earning assets$269,579,0002,235
Average equity$29,075,0002,414
Average total loans$202,593,3302,064
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4470%1,616
Cost of funding earning assets0.3820%3,506
Net interest margin4.0650%1,372
Noninterest income to average assets0.3004%4,770
Noninterest expense to average assets2.4603%4,403
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1215%1,794
Return on assets (ROA)1.1215%1,899
Pretax return on assets1.6268%1,200
Return on Equity (ROE)11.1709%1,589
Retained earnings to average equity (ytd only)11.1709%693
Net charge-offs to loans0.0060%3,122
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)391.6667%142
Efficiency ratio60.1965%5,070
Assets per employee ($millions)5.4715%1,815
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5826%2,114
Loan loss allowance to noncurrent loans451.7680%1,096
Noncurrent assets plus other real estate owned to assets0.4860%4,083
Noncurrent loans to loans0.3503%4,543
Net loans and leases to total assets67.2247%2,571
Net loans and leases to deposits75.3648%3,128
Net loans and leases to core deposits85.7961%2,571
Total domestic deposits to total assets89.1990%1,142
Equity capital to assets9.9596%4,196
Core capital (leverage) ratio10.0086%3,584
Tier 1 risk-based capital ratio13.4795%4,332
Total risk-based capital ratio14.7328%4,251
Memoranda:
Average total assets$288,911,0002,253
Average earning assets$269,124,5002,254
Average equity$29,004,0002,429
Average total loans$201,380,5002,076
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6277%1,480
Cost of funding earning assets0.4336%3,351
Net interest margin4.1941%1,317
Noninterest income to average assets0.3576%4,541
Noninterest expense to average assets2.5256%4,467
Loan and lease loss provision to assets0.0383%3,816
Net operating income to assets1.1400%1,817
Return on assets (ROA)1.2240%1,569
Pretax return on assets1.7959%800
Return on Equity (ROE)12.2495%1,340
Retained earnings to average equity (ytd only)4.9538%2,629
Net charge-offs to loans0.2321%1,818
Credit loss provision to net charge-offs23.9726%3,924
Earnings coverage of net charge-offs (x)10.7146%2,590
Efficiency ratio59.6197%5,274
Assets per employee ($millions)5.4300%1,827
Cash dividends to net income (ytd only)*59.5593%1,762
Condition Ratios (%)
Loss allowance to loans1.5910%2,124
Loan loss allowance to noncurrent loans1,239.1473%498
Noncurrent assets plus other real estate owned to assets0.3496%4,654
Noncurrent loans to loans0.1284%5,382
Net loans and leases to total assets70.0335%2,232
Net loans and leases to deposits78.4426%2,917
Net loans and leases to core deposits89.8433%2,301
Total domestic deposits to total assets89.2800%1,081
Equity capital to assets10.1222%3,958
Core capital (leverage) ratio9.8929%3,720
Tier 1 risk-based capital ratio13.3501%4,508
Total risk-based capital ratio14.6035%4,438
Memoranda:
Average total assets$274,346,4002,325
Average earning assets$253,712,0002,318
Average equity$27,413,4002,454
Average total loans$188,718,2002,126
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6187%1,518
Cost of funding earning assets0.4422%3,344
Net interest margin4.1765%1,357
Noninterest income to average assets0.3525%4,617
Noninterest expense to average assets2.5198%4,463
Loan and lease loss provision to assets0.0514%3,348
Net operating income to assets1.1207%1,958
Return on assets (ROA)1.2352%1,623
Pretax return on assets1.8031%889
Return on Equity (ROE)12.4031%1,367
Retained earnings to average equity (ytd only)4.5867%3,373
Net charge-offs to loans0.2916%1,348
Credit loss provision to net charge-offs25.8621%3,509
Earnings coverage of net charge-offs (x)8.4951%2,789
Efficiency ratio59.8767%5,197
Assets per employee ($millions)5.4129%1,804
Cash dividends to net income (ytd only)*63.0202%1,259
Condition Ratios (%)
Loss allowance to loans1.6558%2,115
Loan loss allowance to noncurrent loans882.2404%631
Noncurrent assets plus other real estate owned to assets0.2547%5,221
Noncurrent loans to loans0.1877%5,346
Net loans and leases to total assets69.4704%2,275
Net loans and leases to deposits78.0858%2,941
Net loans and leases to core deposits89.2805%2,290
Total domestic deposits to total assets88.9668%1,259
Equity capital to assets10.1733%3,964
Core capital (leverage) ratio9.9111%3,802
Tier 1 risk-based capital ratio13.5509%4,506
Total risk-based capital ratio14.8054%4,447
Memoranda:
Average total assets$272,343,2502,358
Average earning assets$251,435,0002,347
Average equity$27,121,5002,479
Average total loans$185,662,0002,173
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5816%1,581
Cost of funding earning assets0.4485%3,343
Net interest margin4.1331%1,418
Noninterest income to average assets0.3548%4,584
Noninterest expense to average assets2.4869%4,618
Loan and lease loss provision to assets0.0664%2,938
Net operating income to assets1.1003%1,942
Return on assets (ROA)1.2704%1,445
Pretax return on assets1.8591%746
Return on Equity (ROE)12.8504%1,217
Retained earnings to average equity (ytd only)0.9851%5,364
Net charge-offs to loans0.0055%4,195
Credit loss provision to net charge-offs1,800.0000%203
Earnings coverage of net charge-offs (x)454.2000%156
Efficiency ratio59.7483%5,328
Assets per employee ($millions)5.3642%1,821
Cash dividends to net income (ytd only)*92.3345%646
Condition Ratios (%)
Loss allowance to loans1.9021%1,584
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1638%5,660
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets66.8397%2,611
Net loans and leases to deposits74.7749%3,228
Net loans and leases to core deposits85.1095%2,597
Total domestic deposits to total assets89.3879%1,165
Equity capital to assets9.7406%4,442
Core capital (leverage) ratio9.7405%3,980
Tier 1 risk-based capital ratio13.4159%4,641
Total risk-based capital ratio14.6731%4,579
Memoranda:
Average total assets$271,105,3302,365
Average earning assets$249,737,6702,358
Average equity$26,800,6702,495
Average total loans$182,547,0002,202
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5905%1,531
Cost of funding earning assets0.4581%3,334
Net interest margin4.1325%1,384
Noninterest income to average assets0.3653%4,469
Noninterest expense to average assets2.4597%4,761
Loan and lease loss provision to assets0.0674%2,780
Net operating income to assets1.1318%1,692
Return on assets (ROA)1.1318%1,758
Pretax return on assets1.6333%1,101
Return on Equity (ROE)11.3616%1,581
Retained earnings to average equity (ytd only)-5.4854%6,154
Net charge-offs to loans0.0067%3,520
Credit loss provision to net charge-offs1,500.0000%212
Earnings coverage of net charge-offs (x)378.6667%124
Efficiency ratio59.1220%5,522
Assets per employee ($millions)5.3111%1,896
Cash dividends to net income (ytd only)*148.2804%403
Condition Ratios (%)
Loss allowance to loans2.0095%1,498
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1687%5,730
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets64.3064%2,838
Net loans and leases to deposits71.9256%3,345
Net loans and leases to core deposits82.1843%2,720
Total domestic deposits to total assets89.4069%1,418
Equity capital to assets9.8112%4,092
Core capital (leverage) ratio9.8135%3,840
Tier 1 risk-based capital ratio13.8843%4,405
Total risk-based capital ratio15.1411%4,352
Memoranda:
Average total assets$267,190,0002,402
Average earning assets$245,375,0002,393
Average equity$26,616,0002,501
Average total loans$178,793,0002,245
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5673%1,969
Cost of funding earning assets0.6527%2,183
Net interest margin3.9146%2,236
Noninterest income to average assets0.8049%2,062
Noninterest expense to average assets2.4160%5,031
Loan and lease loss provision to assets0.1785%2,069
Net operating income to assets1.2140%1,513
Return on assets (ROA)1.2826%1,351
Pretax return on assets1.9067%591
Return on Equity (ROE)13.2664%1,115
Retained earnings to average equity (ytd only)9.6766%625
Net charge-offs to loans-0.3888%6,703
Credit loss provision to net charge-offs-72.1805%5,832
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9214%6,058
Assets per employee ($millions)5.2703%1,884
Cash dividends to net income (ytd only)*27.0592%3,416
Condition Ratios (%)
Loss allowance to loans1.9630%1,641
Loan loss allowance to noncurrent loans1,452.6749%387
Noncurrent assets plus other real estate owned to assets0.3863%5,096
Noncurrent loans to loans0.1351%5,802
Net loans and leases to total assets66.9033%2,539
Net loans and leases to deposits75.0501%3,092
Net loans and leases to core deposits85.6903%2,484
Total domestic deposits to total assets89.1449%1,521
Equity capital to assets10.1159%3,613
Core capital (leverage) ratio9.9254%3,675
Tier 1 risk-based capital ratio13.7683%4,466
Total risk-based capital ratio15.0255%4,405
Memoranda:
Average total assets$268,837,8002,358
Average earning assets$246,817,2002,362
Average equity$25,990,4002,546
Average total loans$171,060,0002,292
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5118%2,182
Cost of funding earning assets0.6843%2,064
Net interest margin3.8275%2,550
Noninterest income to average assets0.4150%4,409
Noninterest expense to average assets2.3733%5,106
Loan and lease loss provision to assets0.1925%1,898
Net operating income to assets0.9552%2,562
Return on assets (ROA)1.0502%2,265
Pretax return on assets1.5072%1,584
Return on Equity (ROE)10.9870%1,822
Retained earnings to average equity (ytd only)10.9870%579
Net charge-offs to loans0.1721%2,847
Credit loss provision to net charge-offs178.8991%1,351
Earnings coverage of net charge-offs (x)14.5367%1,937
Efficiency ratio60.2783%5,395
Assets per employee ($millions)5.1438%2,001
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4781%3,548
Loan loss allowance to noncurrent loans817.2524%573
Noncurrent assets plus other real estate owned to assets0.4722%5,011
Noncurrent loans to loans0.1809%5,787
Net loans and leases to total assets63.7443%3,034
Net loans and leases to deposits72.8051%3,426
Net loans and leases to core deposits82.8861%2,775
Total domestic deposits to total assets87.5547%2,378
Equity capital to assets9.8293%4,136
Core capital (leverage) ratio9.7435%4,042
Tier 1 risk-based capital ratio14.0902%4,365
Total risk-based capital ratio15.3419%4,310
Memoranda:
Average total assets$270,168,2502,364
Average earning assets$248,613,5002,349
Average equity$25,823,7502,593
Average total loans$168,867,2502,324
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4751%2,290
Cost of funding earning assets0.7221%1,908
Net interest margin3.7530%2,752
Noninterest income to average assets0.3770%4,693
Noninterest expense to average assets2.3419%5,235
Loan and lease loss provision to assets0.2213%1,714
Net operating income to assets0.8928%2,837
Return on assets (ROA)1.0256%2,338
Pretax return on assets1.4661%1,721
Return on Equity (ROE)10.8306%1,869
Retained earnings to average equity (ytd only)10.8306%676
Net charge-offs to loans0.1003%3,357
Credit loss provision to net charge-offs357.1429%729
Earnings coverage of net charge-offs (x)24.1667%1,307
Efficiency ratio60.9915%5,334
Assets per employee ($millions)5.5615%1,530
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.5099%3,546
Loan loss allowance to noncurrent loans452.3478%959
Noncurrent assets plus other real estate owned to assets0.5185%4,972
Noncurrent loans to loans0.3338%5,461
Net loans and leases to total assets62.2563%3,243
Net loans and leases to deposits70.7570%3,619
Net loans and leases to core deposits79.5462%3,078
Total domestic deposits to total assets87.9859%2,253
Equity capital to assets9.4568%4,639
Core capital (leverage) ratio9.3232%4,504
Tier 1 risk-based capital ratio13.7342%4,618
Total risk-based capital ratio14.9860%4,584
Memoranda:
Average total assets$271,066,0002,361
Average earning assets$250,093,0002,344
Average equity$25,668,0002,610
Average total loans$167,470,3302,333
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4186%2,455
Cost of funding earning assets0.7567%1,793
Net interest margin3.6619%3,025
Noninterest income to average assets0.3507%4,874
Noninterest expense to average assets2.3156%5,383
Loan and lease loss provision to assets0.2663%1,331
Net operating income to assets0.8345%2,987
Return on assets (ROA)0.8345%3,129
Pretax return on assets1.1482%2,774
Return on Equity (ROE)8.8068%2,571
Retained earnings to average equity (ytd only)8.8068%1,450
Net charge-offs to loans0.0824%3,018
Credit loss provision to net charge-offs529.4118%507
Earnings coverage of net charge-offs (x)28.1176%993
Efficiency ratio62.0785%5,293
Assets per employee ($millions)5.4724%1,691
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5263%3,714
Loan loss allowance to noncurrent loans504.1833%850
Noncurrent assets plus other real estate owned to assets0.3914%5,413
Noncurrent loans to loans0.3027%5,643
Net loans and leases to total assets59.6804%3,489
Net loans and leases to deposits67.7835%3,795
Net loans and leases to core deposits79.5970%2,854
Total domestic deposits to total assets88.0455%2,280
Equity capital to assets9.4309%4,954
Core capital (leverage) ratio9.1097%4,707
Tier 1 risk-based capital ratio13.6488%4,758
Total risk-based capital ratio14.9008%4,722
Memoranda:
Average total assets$270,342,0002,389
Average earning assets$249,491,0002,382
Average equity$25,616,5002,648
Average total loans$165,076,5002,379
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7087%2,558
Cost of funding earning assets0.8573%2,241
Net interest margin3.8514%3,021
Noninterest income to average assets0.3592%4,908
Noninterest expense to average assets2.3469%5,570
Loan and lease loss provision to assets0.3194%2,136
Net operating income to assets0.9130%2,752
Return on assets (ROA)0.9525%2,784
Pretax return on assets1.3129%2,346
Return on Equity (ROE)9.9108%2,210
Retained earnings to average equity (ytd only)6.4022%1,869
Net charge-offs to loans0.3183%3,049
Credit loss provision to net charge-offs162.7953%1,652
Earnings coverage of net charge-offs (x)8.0433%2,484
Efficiency ratio59.7914%5,575
Assets per employee ($millions)5.4503%1,733
Cash dividends to net income (ytd only)*35.4015%3,115
Condition Ratios (%)
Loss allowance to loans1.4514%3,933
Loan loss allowance to noncurrent loans1,378.6127%364
Noncurrent assets plus other real estate owned to assets0.2778%5,856
Noncurrent loans to loans0.1053%6,224
Net loans and leases to total assets60.6370%3,485
Net loans and leases to deposits69.1261%3,819
Net loans and leases to core deposits80.8208%2,904
Total domestic deposits to total assets87.7194%2,398
Equity capital to assets9.5213%4,846
Core capital (leverage) ratio9.0268%4,859
Tier 1 risk-based capital ratio13.5870%4,684
Total risk-based capital ratio14.8387%4,632
Memoranda:
Average total assets$258,898,6002,447
Average earning assets$239,707,4002,415
Average equity$24,882,0002,669
Average total loans$159,583,6002,438
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7421%2,614
Cost of funding earning assets0.8715%2,382
Net interest margin3.8706%3,025
Noninterest income to average assets0.3504%5,011
Noninterest expense to average assets2.3504%5,543
Loan and lease loss provision to assets0.3358%1,949
Net operating income to assets0.9104%2,932
Return on assets (ROA)0.9634%2,903
Pretax return on assets1.3263%2,508
Return on Equity (ROE)10.0002%2,346
Retained earnings to average equity (ytd only)10.0002%913
Net charge-offs to loans0.3830%2,562
Credit loss provision to net charge-offs142.1978%2,029
Earnings coverage of net charge-offs (x)6.7297%2,725
Efficiency ratio59.6574%5,557
Assets per employee ($millions)5.5357%1,604
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.4128%4,320
Loan loss allowance to noncurrent loans1,169.9482%382
Noncurrent assets plus other real estate owned to assets0.3696%5,777
Noncurrent loans to loans0.1208%6,306
Net loans and leases to total assets59.2972%3,907
Net loans and leases to deposits67.9555%4,186
Net loans and leases to core deposits81.2840%3,048
Total domestic deposits to total assets87.2589%2,522
Equity capital to assets9.7052%4,914
Core capital (leverage) ratio9.2705%4,642
Tier 1 risk-based capital ratio14.1575%4,412
Total risk-based capital ratio15.4087%4,372
Memoranda:
Average total assets$256,857,5002,491
Average earning assets$238,202,5002,456
Average equity$24,745,5002,708
Average total loans$158,398,5002,472
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8013%2,500
Cost of funding earning assets0.8944%2,446
Net interest margin3.9069%2,876
Noninterest income to average assets0.3616%4,946
Noninterest expense to average assets2.3591%5,596
Loan and lease loss provision to assets0.3938%1,670
Net operating income to assets0.8899%2,958
Return on assets (ROA)0.9704%2,828
Pretax return on assets1.3351%2,439
Return on Equity (ROE)10.0992%2,317
Retained earnings to average equity (ytd only)10.0992%950
Net charge-offs to loans0.5154%2,041
Credit loss provision to net charge-offs122.8501%2,232
Earnings coverage of net charge-offs (x)5.0491%2,917
Efficiency ratio59.3069%5,693
Assets per employee ($millions)5.4807%1,640
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.3634%4,596
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3812%5,830
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets60.6378%3,697
Net loans and leases to deposits69.4414%3,976
Net loans and leases to core deposits82.5126%2,899
Total domestic deposits to total assets87.3222%2,581
Equity capital to assets9.7216%4,731
Core capital (leverage) ratio9.2501%4,527
Tier 1 risk-based capital ratio14.0537%4,408
Total risk-based capital ratio15.3042%4,374
Memoranda:
Average total assets$253,905,3302,509
Average earning assets$235,019,3302,471
Average equity$24,398,0002,729
Average total loans$157,925,0002,490
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9024%2,231
Cost of funding earning assets0.9214%2,505
Net interest margin3.9811%2,587
Noninterest income to average assets0.3301%5,221
Noninterest expense to average assets2.3581%5,602
Loan and lease loss provision to assets0.5078%1,192
Net operating income to assets0.8276%3,268
Return on assets (ROA)0.9886%2,718
Pretax return on assets1.3600%2,338
Return on Equity (ROE)10.3506%2,283
Retained earnings to average equity (ytd only)10.3506%1,187
Net charge-offs to loans0.9613%1,076
Credit loss provision to net charge-offs84.4327%2,656
Earnings coverage of net charge-offs (x)2.7388%3,086
Efficiency ratio58.8748%5,789
Assets per employee ($millions)5.4900%1,700
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2607%5,199
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2407%6,286
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets60.9194%3,462
Net loans and leases to deposits69.8307%3,757
Net loans and leases to core deposits82.1308%2,817
Total domestic deposits to total assets87.2387%2,807
Equity capital to assets9.4244%4,912
Core capital (leverage) ratio9.1357%4,627
Tier 1 risk-based capital ratio13.7013%4,676
Total risk-based capital ratio14.8973%4,704
Memoranda:
Average total assets$252,062,0002,545
Average earning assets$232,701,5002,516
Average equity$24,076,0002,763
Average total loans$157,709,0002,514
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1264%2,348
Cost of funding earning assets1.1276%2,484
Net interest margin3.9988%2,882
Noninterest income to average assets0.4470%4,241
Noninterest expense to average assets2.4253%5,709
Loan and lease loss provision to assets0.3194%3,129
Net operating income to assets0.9923%2,228
Return on assets (ROA)0.9923%2,372
Pretax return on assets1.3701%1,879
Return on Equity (ROE)10.6218%1,831
Retained earnings to average equity (ytd only)6.1149%1,952
Net charge-offs to loans0.5557%2,791
Credit loss provision to net charge-offs90.7602%3,977
Earnings coverage of net charge-offs (x)4.8012%2,975
Efficiency ratio58.9418%5,909
Assets per employee ($millions)5.0223%2,171
Cash dividends to net income (ytd only)*42.4305%2,448
Condition Ratios (%)
Loss allowance to loans1.3225%4,795
Loan loss allowance to noncurrent loans1,930.8411%235
Noncurrent assets plus other real estate owned to assets0.4519%5,838
Noncurrent loans to loans0.0685%6,644
Net loans and leases to total assets62.6405%3,484
Net loans and leases to deposits71.7182%3,840
Net loans and leases to core deposits85.2702%2,720
Total domestic deposits to total assets87.3426%2,556
Equity capital to assets9.6850%4,623
Core capital (leverage) ratio9.1239%4,583
Tier 1 risk-based capital ratio13.4988%4,698
Total risk-based capital ratio14.7461%4,661
Memoranda:
Average total assets$242,976,0002,599
Average earning assets$222,866,2002,579
Average equity$22,698,6002,814
Average total loans$153,867,0002,584
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1537%2,372
Cost of funding earning assets1.1690%2,510
Net interest margin3.9847%2,977
Noninterest income to average assets0.4244%4,480
Noninterest expense to average assets2.4112%5,736
Loan and lease loss provision to assets0.3094%3,050
Net operating income to assets0.9931%2,355
Return on assets (ROA)0.9931%2,500
Pretax return on assets1.3630%2,074
Return on Equity (ROE)10.7307%1,945
Retained earnings to average equity (ytd only)8.9463%1,163
Net charge-offs to loans0.5297%2,642
Credit loss provision to net charge-offs92.2824%3,697
Earnings coverage of net charge-offs (x)4.9885%2,909
Efficiency ratio59.0456%5,860
Assets per employee ($millions)4.9740%2,220
Cash dividends to net income (ytd only)*16.6297%3,058
Condition Ratios (%)
Loss allowance to loans1.3687%4,689
Loan loss allowance to noncurrent loans1,013.5266%357
Noncurrent assets plus other real estate owned to assets0.6269%5,569
Noncurrent loans to loans0.1350%6,599
Net loans and leases to total assets62.0295%3,715
Net loans and leases to deposits71.3355%4,090
Net loans and leases to core deposits85.5658%2,835
Total domestic deposits to total assets86.9546%2,683
Equity capital to assets9.8553%4,540
Core capital (leverage) ratio9.1584%4,696
Tier 1 risk-based capital ratio13.6548%4,610
Total risk-based capital ratio14.9055%4,580
Memoranda:
Average total assets$242,196,7502,620
Average earning assets$222,409,5002,600
Average equity$22,414,7502,842
Average total loans$153,278,7502,620
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1409%2,510
Cost of funding earning assets1.2184%2,452
Net interest margin3.9225%3,206
Noninterest income to average assets0.4502%4,284
Noninterest expense to average assets2.4048%5,828
Loan and lease loss provision to assets0.3161%2,896
Net operating income to assets0.9765%2,330
Return on assets (ROA)0.9765%2,430
Pretax return on assets1.3257%2,054
Return on Equity (ROE)10.7863%1,872
Retained earnings to average equity (ytd only)8.7296%1,200
Net charge-offs to loans0.7542%1,989
Credit loss provision to net charge-offs66.0900%4,174
Earnings coverage of net charge-offs (x)3.4325%3,170
Efficiency ratio59.4274%5,960
Assets per employee ($millions)4.9764%2,164
Cash dividends to net income (ytd only)*19.0678%2,888
Condition Ratios (%)
Loss allowance to loans1.2642%5,232
Loan loss allowance to noncurrent loans256.4474%1,206
Noncurrent assets plus other real estate owned to assets0.6742%5,553
Noncurrent loans to loans0.4930%5,920
Net loans and leases to total assets62.4224%3,810
Net loans and leases to deposits71.2459%4,247
Net loans and leases to core deposits85.1390%3,053
Total domestic deposits to total assets87.6155%2,397
Equity capital to assets9.3970%4,980
Core capital (leverage) ratio8.9303%4,833
Tier 1 risk-based capital ratio13.2819%4,704
Total risk-based capital ratio14.4785%4,719
Memoranda:
Average total assets$241,687,0002,637
Average earning assets$221,594,0002,632
Average equity$21,879,6702,892
Average total loans$153,278,3302,642
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0833%2,724
Cost of funding earning assets1.2717%2,352
Net interest margin3.8116%3,558
Noninterest income to average assets0.5303%3,650
Noninterest expense to average assets2.4155%5,838
Loan and lease loss provision to assets0.3824%2,270
Net operating income to assets0.9193%2,478
Return on assets (ROA)0.9193%2,534
Pretax return on assets1.2402%2,227
Return on Equity (ROE)10.3546%1,973
Retained earnings to average equity (ytd only)7.5459%1,919
Net charge-offs to loans0.2696%2,990
Credit loss provision to net charge-offs223.3010%1,359
Earnings coverage of net charge-offs (x)9.4757%1,717
Efficiency ratio59.8189%6,009
Assets per employee ($millions)5.2780%1,793
Cash dividends to net income (ytd only)*27.1248%2,065
Condition Ratios (%)
Loss allowance to loans1.4800%4,301
Loan loss allowance to noncurrent loans138.7905%2,136
Noncurrent assets plus other real estate owned to assets1.0746%4,774
Noncurrent loans to loans1.0663%4,919
Net loans and leases to total assets62.2943%3,790
Net loans and leases to deposits70.5230%4,268
Net loans and leases to core deposits83.7517%3,194
Total domestic deposits to total assets88.3318%2,178
Equity capital to assets8.9691%5,251
Core capital (leverage) ratio8.8511%4,852
Tier 1 risk-based capital ratio13.0343%4,803
Total risk-based capital ratio14.2862%4,786
Memoranda:
Average total assets$240,608,0002,660
Average earning assets$221,429,0002,645
Average equity$21,362,5002,932
Average total loans$152,836,0002,667
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3227%3,020
Cost of funding earning assets1.6380%1,876
Net interest margin3.6847%4,420
Noninterest income to average assets0.3812%5,050
Noninterest expense to average assets2.3340%6,260
Loan and lease loss provision to assets0.3040%4,372
Net operating income to assets0.7757%2,895
Return on assets (ROA)0.8195%2,852
Pretax return on assets1.1093%2,538
Return on Equity (ROE)9.4701%2,121
Retained earnings to average equity (ytd only)4.3059%2,825
Net charge-offs to loans0.1667%5,332
Credit loss provision to net charge-offs295.6349%909
Earnings coverage of net charge-offs (x)13.1667%1,436
Efficiency ratio63.2843%5,465
Assets per employee ($millions)4.9673%2,201
Cash dividends to net income (ytd only)*54.5319%1,868
Condition Ratios (%)
Loss allowance to loans1.4097%4,462
Loan loss allowance to noncurrent loans375.0000%830
Noncurrent assets plus other real estate owned to assets0.9047%5,211
Noncurrent loans to loans0.3759%6,299
Net loans and leases to total assets62.9171%4,090
Net loans and leases to deposits71.4932%4,610
Net loans and leases to core deposits85.3806%3,416
Total domestic deposits to total assets88.0043%2,248
Equity capital to assets8.7863%5,456
Core capital (leverage) ratio8.3642%5,589
Tier 1 risk-based capital ratio12.7429%4,827
Total risk-based capital ratio13.9937%4,794
Memoranda:
Average total assets$245,029,2002,597
Average earning assets$219,906,8002,636
Average equity$21,203,6002,980
Average total loans$151,140,0002,756
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3605%3,074
Cost of funding earning assets1.6672%2,020
Net interest margin3.6932%4,437
Noninterest income to average assets0.3648%5,238
Noninterest expense to average assets2.2766%6,392
Loan and lease loss provision to assets0.3162%4,051
Net operating income to assets0.7836%3,070
Return on assets (ROA)0.8416%2,965
Pretax return on assets1.1442%2,683
Return on Equity (ROE)9.7613%2,223
Retained earnings to average equity (ytd only)6.4699%2,107
Net charge-offs to loans0.0601%5,909
Credit loss provision to net charge-offs860.2941%350
Earnings coverage of net charge-offs (x)37.6048%724
Efficiency ratio62.2248%5,584
Assets per employee ($millions)5.3334%1,786
Cash dividends to net income (ytd only)*33.7185%2,378
Condition Ratios (%)
Loss allowance to loans1.4280%4,316
Loan loss allowance to noncurrent loans123.5328%2,286
Noncurrent assets plus other real estate owned to assets1.0536%5,004
Noncurrent loans to loans1.1560%4,929
Net loans and leases to total assets59.7003%4,965
Net loans and leases to deposits70.3678%5,095
Net loans and leases to core deposits85.8520%3,681
Total domestic deposits to total assets84.8403%3,702
Equity capital to assets8.8155%5,840
Core capital (leverage) ratio8.3106%5,853
Tier 1 risk-based capital ratio12.5702%4,923
Total risk-based capital ratio13.8205%4,897
Memoranda:
Average total assets$246,679,5002,607
Average earning assets$220,000,0002,667
Average equity$21,267,2503,016
Average total loans$150,885,7502,792
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4760%2,626
Cost of funding earning assets1.6951%2,141
Net interest margin3.7809%3,984
Noninterest income to average assets0.3611%5,262
Noninterest expense to average assets2.2605%6,477
Loan and lease loss provision to assets0.2119%4,764
Net operating income to assets0.8918%2,578
Return on assets (ROA)0.8918%2,702
Pretax return on assets1.2252%2,332
Return on Equity (ROE)10.4238%1,954
Retained earnings to average equity (ytd only)6.1362%2,261
Net charge-offs to loans0.0691%5,450
Credit loss provision to net charge-offs500.0000%733
Earnings coverage of net charge-offs (x)33.9038%830
Efficiency ratio61.1332%5,829
Assets per employee ($millions)5.3574%1,747
Cash dividends to net income (ytd only)*41.1335%2,029
Condition Ratios (%)
Loss allowance to loans1.2222%5,341
Loan loss allowance to noncurrent loans146.2264%1,899
Noncurrent assets plus other real estate owned to assets0.9043%5,310
Noncurrent loans to loans0.8358%5,609
Net loans and leases to total assets59.6995%5,120
Net loans and leases to deposits70.8139%5,161
Net loans and leases to core deposits86.1103%3,810
Total domestic deposits to total assets84.3048%3,959
Equity capital to assets8.5716%6,060
Core capital (leverage) ratio8.3271%5,710
Tier 1 risk-based capital ratio12.3311%5,012
Total risk-based capital ratio13.4458%5,105
Memoranda:
Average total assets$245,348,6702,644
Average earning assets$216,507,6702,723
Average equity$20,990,3303,045
Average total loans$150,574,3302,824
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4231%2,926
Cost of funding earning assets1.6960%2,413
Net interest margin3.7271%4,115
Noninterest income to average assets0.3403%5,421
Noninterest expense to average assets2.2864%6,416
Loan and lease loss provision to assets0.1982%4,522
Net operating income to assets0.8541%2,737
Return on assets (ROA)0.8541%2,827
Pretax return on assets1.1630%2,499
Return on Equity (ROE)9.9932%2,104
Retained earnings to average equity (ytd only)9.9932%1,140
Net charge-offs to loans0.0427%4,996
Credit loss provision to net charge-offs750.0000%596
Earnings coverage of net charge-offs (x)51.5000%563
Efficiency ratio62.6812%5,711
Assets per employee ($millions)5.3359%1,829
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1420%5,814
Loan loss allowance to noncurrent loans116.2144%2,382
Noncurrent assets plus other real estate owned to assets1.0020%5,145
Noncurrent loans to loans0.9826%5,360
Net loans and leases to total assets60.6140%5,016
Net loans and leases to deposits72.1109%5,035
Net loans and leases to core deposits87.0281%3,746
Total domestic deposits to total assets84.0566%4,120
Equity capital to assets8.3864%6,174
Core capital (leverage) ratio8.4550%5,458
Tier 1 risk-based capital ratio12.1430%5,041
Total risk-based capital ratio13.1857%5,224
Memoranda:
Average total assets$242,125,0002,742
Average earning assets$214,858,5002,807
Average equity$20,694,0003,100
Average total loans$149,771,0002,904
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6718%3,242
Cost of funding earning assets2.0628%2,668
Net interest margin3.6090%4,521
Noninterest income to average assets0.0628%7,443
Noninterest expense to average assets2.3976%6,475
Loan and lease loss provision to assets0.9609%2,355
Net operating income to assets0.0030%5,474
Return on assets (ROA)0.2022%4,959
Pretax return on assets0.2873%4,795
Return on Equity (ROE)2.2246%4,819
Retained earnings to average equity (ytd only)-0.0551%4,947
Net charge-offs to loans1.4586%1,721
Credit loss provision to net charge-offs98.4142%5,661
Earnings coverage of net charge-offs (x)0.9869%5,123
Efficiency ratio71.3318%4,382
Assets per employee ($millions)4.8638%2,391
Cash dividends to net income (ytd only)*102.4775%586
Condition Ratios (%)
Loss allowance to loans1.1333%5,733
Loan loss allowance to noncurrent loans184.3750%1,594
Noncurrent assets plus other real estate owned to assets0.8939%5,314
Noncurrent loans to loans0.6147%6,018
Net loans and leases to total assets61.7323%5,050
Net loans and leases to deposits72.5076%5,259
Net loans and leases to core deposits123.1075%1,705
Total domestic deposits to total assets85.1390%3,491
Equity capital to assets8.7192%5,561
Core capital (leverage) ratio8.5629%5,165
Tier 1 risk-based capital ratio12.4725%4,549
Total risk-based capital ratio13.5063%4,677
Memoranda:
Average total assets$219,595,2002,947
Average earning assets$200,694,6002,957
Average equity$19,958,2003,209
Average total loans$146,990,6002,968
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6936%3,371
Cost of funding earning assets2.1362%2,724
Net interest margin3.5574%4,647
Noninterest income to average assets-0.0450%7,892
Noninterest expense to average assets2.4158%6,363
Loan and lease loss provision to assets0.4503%3,664
Net operating income to assets0.2289%5,058
Return on assets (ROA)0.4756%4,191
Pretax return on assets0.7557%3,689
Return on Equity (ROE)5.1764%3,892
Retained earnings to average equity (ytd only)3.6323%3,256
Net charge-offs to loans0.6662%2,696
Credit loss provision to net charge-offs99.1848%5,153
Earnings coverage of net charge-offs (x)1.8071%4,446
Efficiency ratio74.6474%3,753
Assets per employee ($millions)4.7001%2,558
Cash dividends to net income (ytd only)*29.8316%2,881
Condition Ratios (%)
Loss allowance to loans1.1149%5,632
Loan loss allowance to noncurrent loans64.9652%4,079
Noncurrent assets plus other real estate owned to assets1.1950%4,683
Noncurrent loans to loans1.7161%4,063
Net loans and leases to total assets66.0483%4,425
Net loans and leases to deposits78.7081%4,618
Net loans and leases to core deposits130.3945%1,412
Total domestic deposits to total assets83.9156%3,759
Equity capital to assets9.5243%4,713
Core capital (leverage) ratio9.2693%4,230
Tier 1 risk-based capital ratio12.9503%4,226
Total risk-based capital ratio14.0124%4,289
Memoranda:
Average total assets$216,128,2503,009
Average earning assets$199,353,0002,995
Average equity$19,858,7503,259
Average total loans$147,294,7502,993
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7501%3,293
Cost of funding earning assets2.2253%2,682
Net interest margin3.5249%4,676
Noninterest income to average assets-0.3108%8,095
Noninterest expense to average assets2.4107%6,426
Loan and lease loss provision to assets0.1690%5,377
Net operating income to assets0.1531%5,412
Return on assets (ROA)0.5287%4,102
Pretax return on assets0.9541%3,165
Return on Equity (ROE)5.8294%3,734
Retained earnings to average equity (ytd only)3.9656%3,078
Net charge-offs to loans0.1916%4,346
Credit loss provision to net charge-offs128.5714%3,617
Earnings coverage of net charge-offs (x)4.0786%3,225
Efficiency ratio81.8037%2,745
Assets per employee ($millions)4.2387%3,220
Cash dividends to net income (ytd only)*31.9716%2,766
Condition Ratios (%)
Loss allowance to loans1.1707%5,143
Loan loss allowance to noncurrent loans120.6150%2,444
Noncurrent assets plus other real estate owned to assets0.7889%5,423
Noncurrent loans to loans0.9706%5,277
Net loans and leases to total assets68.7517%4,008
Net loans and leases to deposits81.2718%4,343
Net loans and leases to core deposits135.2702%1,252
Total domestic deposits to total assets84.5948%3,445
Equity capital to assets9.5213%4,586
Core capital (leverage) ratio9.4669%3,936
Tier 1 risk-based capital ratio13.2096%3,993
Total risk-based capital ratio14.3314%4,000
Memoranda:
Average total assets$212,970,0003,075
Average earning assets$196,829,6703,040
Average equity$19,316,0003,352
Average total loans$146,164,0003,046
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7586%3,488
Cost of funding earning assets2.2938%2,727
Net interest margin3.4649%4,876
Noninterest income to average assets0.4665%4,622
Noninterest expense to average assets2.2428%6,718
Loan and lease loss provision to assets0.1312%5,277
Net operating income to assets0.9338%2,573
Return on assets (ROA)0.9218%2,748
Pretax return on assets1.2909%2,315
Return on Equity (ROE)10.4212%2,157
Retained earnings to average equity (ytd only)10.4212%1,090
Net charge-offs to loans0.0852%4,312
Credit loss provision to net charge-offs225.8065%2,021
Earnings coverage of net charge-offs (x)24.7742%1,230
Efficiency ratio60.9160%6,266
Assets per employee ($millions)4.4710%2,772
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1711%4,981
Loan loss allowance to noncurrent loans571.1921%623
Noncurrent assets plus other real estate owned to assets0.2530%6,752
Noncurrent loans to loans0.2050%6,946
Net loans and leases to total assets67.8291%4,182
Net loans and leases to deposits80.2470%4,570
Net loans and leases to core deposits132.4369%1,508
Total domestic deposits to total assets84.5254%3,450
Equity capital to assets9.6962%4,387
Core capital (leverage) ratio9.5119%3,966
Tier 1 risk-based capital ratio13.2182%4,041
Total risk-based capital ratio14.3339%4,041
Memoranda:
Average total assets$213,487,5003,075
Average earning assets$198,102,0003,042
Average equity$18,884,5003,430
Average total loans$145,528,5003,080
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2813%4,062
Cost of funding earning assets3.0271%1,774
Net interest margin3.2542%6,200
Noninterest income to average assets0.4927%4,658
Noninterest expense to average assets2.2498%6,838
Loan and lease loss provision to assets0.2340%4,553
Net operating income to assets0.7273%3,767
Return on assets (ROA)0.7465%3,527
Pretax return on assets1.0917%3,054
Return on Equity (ROE)9.1633%2,586
Retained earnings to average equity (ytd only)7.9488%857
Net charge-offs to loans0.1411%4,810
Credit loss provision to net charge-offs250.2646%1,861
Earnings coverage of net charge-offs (x)13.8783%2,098
Efficiency ratio63.4221%5,687
Assets per employee ($millions)4.9387%2,010
Cash dividends to net income (ytd only)*13.2538%4,611
Condition Ratios (%)
Loss allowance to loans1.1728%4,757
Loan loss allowance to noncurrent loans168,600.0000%2
Noncurrent assets plus other real estate owned to assets0.0005%7,672
Noncurrent loans to loans0.0007%7,567
Net loans and leases to total assets66.9027%4,657
Net loans and leases to deposits79.8869%5,064
Net loans and leases to core deposits129.6782%1,872
Total domestic deposits to total assets83.7469%3,460
Equity capital to assets7.9863%6,862
Core capital (leverage) ratio7.9451%6,579
Tier 1 risk-based capital ratio11.2379%5,501
Total risk-based capital ratio12.3562%5,519
Memoranda:
Average total assets$202,152,8003,113
Average earning assets$189,755,2003,045
Average equity$16,467,8003,831
Average total loans$133,902,6003,199