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First Farmers & Merchants State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7092%2,089
Cost of funding earning assets0.1188%4,237
Net interest margin3.5904%1,493
Noninterest income to average assets0.3346%3,413
Noninterest expense to average assets2.2941%2,813
Loan and lease loss provision to assets0.0587%1,886
Net operating income to assets1.4599%1,106
Return on assets (ROA)1.4599%1,174
Pretax return on assets1.4609%1,850
Return on Equity (ROE)9.2547%2,802
Retained earnings to average equity (ytd only)6.3213%2,216
Net charge-offs to loans0.3891%216
Credit loss provision to net charge-offs23.5808%2,265
Earnings coverage of net charge-offs (x)6.1092%2,416
Efficiency ratio60.1538%3,122
Assets per employee ($millions)6.9105%1,983
Cash dividends to net income (ytd only)*31.6964%2,453
Condition Ratios (%)
Loss allowance to loans1.3235%2,254
Loan loss allowance to noncurrent loans215.2589%2,482
Noncurrent assets plus other real estate owned to assets0.4085%1,604
Noncurrent loans to loans0.6149%1,609
Net loans and leases to total assets65.5621%1,522
Net loans and leases to deposits79.2879%1,276
Net loans and leases to core deposits79.5707%1,635
Total domestic deposits to total assets82.6886%3,859
Equity capital to assets16.4665%336
Core capital (leverage) ratio15.6640%393
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.1658%633
Memoranda:
Average total assets$92,063,8004,080
Average earning assets$89,210,0004,032
Average equity$14,522,4003,687
Average total loans$58,859,2003,835
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7813%2,055
Cost of funding earning assets0.1205%4,350
Net interest margin3.6608%1,431
Noninterest income to average assets0.2908%3,710
Noninterest expense to average assets2.3176%2,698
Loan and lease loss provision to assets0.0594%1,806
Net operating income to assets1.4568%1,373
Return on assets (ROA)1.4568%1,432
Pretax return on assets1.4568%2,126
Return on Equity (ROE)9.3346%2,991
Retained earnings to average equity (ytd only)6.5675%2,591
Net charge-offs to loans0.5160%150
Credit loss provision to net charge-offs18.0617%2,000
Earnings coverage of net charge-offs (x)4.6388%2,254
Efficiency ratio60.4581%2,917
Assets per employee ($millions)7.3603%1,647
Cash dividends to net income (ytd only)*29.6443%2,095
Condition Ratios (%)
Loss allowance to loans1.3368%2,295
Loan loss allowance to noncurrent loans84.4734%3,570
Noncurrent assets plus other real estate owned to assets0.9625%701
Noncurrent loans to loans1.5825%650
Net loans and leases to total assets60.0100%2,264
Net loans and leases to deposits71.3310%2,121
Net loans and leases to core deposits71.5603%2,462
Total domestic deposits to total assets84.1290%3,426
Equity capital to assets15.5272%466
Core capital (leverage) ratio15.3397%446
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6178%632
Memoranda:
Average total assets$92,620,5004,126
Average earning assets$89,632,5004,073
Average equity$14,454,7503,742
Average total loans$58,651,7503,894
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6057%2,602
Cost of funding earning assets0.1242%4,401
Net interest margin3.4815%1,910
Noninterest income to average assets0.2751%3,757
Noninterest expense to average assets2.3494%2,619
Loan and lease loss provision to assets0.0590%1,852
Net operating income to assets1.2336%2,070
Return on assets (ROA)1.2336%2,135
Pretax return on assets1.2336%2,821
Return on Equity (ROE)7.8907%3,435
Retained earnings to average equity (ytd only)4.2316%3,446
Net charge-offs to loans0.7721%109
Credit loss provision to net charge-offs11.8943%1,769
Earnings coverage of net charge-offs (x)2.6079%2,115
Efficiency ratio64.5084%2,358
Assets per employee ($millions)7.0705%1,753
Cash dividends to net income (ytd only)*46.3717%1,354
Condition Ratios (%)
Loss allowance to loans1.2943%2,465
Loan loss allowance to noncurrent loans37.4633%4,090
Noncurrent assets plus other real estate owned to assets2.2586%168
Noncurrent loans to loans3.4548%183
Net loans and leases to total assets63.4721%2,017
Net loans and leases to deposits75.6075%1,858
Net loans and leases to core deposits75.8611%2,251
Total domestic deposits to total assets83.9495%3,458
Equity capital to assets15.6991%445
Core capital (leverage) ratio15.0295%467
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6309%640
Memoranda:
Average total assets$91,599,3334,156
Average earning assets$88,582,0004,106
Average equity$14,320,6673,759
Average total loans$58,803,0003,916
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3387%3,369
Cost of funding earning assets0.1312%4,451
Net interest margin3.2075%2,674
Noninterest income to average assets0.2756%3,746
Noninterest expense to average assets2.2266%3,019
Loan and lease loss provision to assets0.0612%1,900
Net operating income to assets1.0892%2,511
Return on assets (ROA)1.0892%2,583
Pretax return on assets1.0892%3,136
Return on Equity (ROE)6.9816%3,613
Retained earnings to average equity (ytd only)3.9815%3,508
Net charge-offs to loans0.0068%1,653
Credit loss provision to net charge-offs1,400.0000%334
Earnings coverage of net charge-offs (x)263.0000%333
Efficiency ratio65.9326%2,243
Assets per employee ($millions)6.8286%1,907
Cash dividends to net income (ytd only)*42.9719%1,310
Condition Ratios (%)
Loss allowance to loans1.6028%1,290
Loan loss allowance to noncurrent loans80.4778%3,588
Noncurrent assets plus other real estate owned to assets1.3054%541
Noncurrent loans to loans1.9917%546
Net loans and leases to total assets62.7368%2,200
Net loans and leases to deposits74.1097%2,107
Net loans and leases to core deposits74.3467%2,483
Total domestic deposits to total assets84.6539%3,238
Equity capital to assets14.9057%509
Core capital (leverage) ratio15.0882%467
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.3325%638
Memoranda:
Average total assets$91,441,0004,168
Average earning assets$88,417,5004,118
Average equity$14,266,0003,770
Average total loans$58,651,5003,934
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9673%2,831
Cost of funding earning assets0.2366%4,432
Net interest margin3.7307%1,702
Noninterest income to average assets0.3008%3,675
Noninterest expense to average assets2.5488%2,698
Loan and lease loss provision to assets0.3624%926
Net operating income to assets0.9688%2,402
Return on assets (ROA)0.9688%2,551
Pretax return on assets0.9700%3,142
Return on Equity (ROE)5.5555%3,728
Retained earnings to average equity (ytd only)1.9950%3,825
Net charge-offs to loans0.4953%322
Credit loss provision to net charge-offs106.7616%2,754
Earnings coverage of net charge-offs (x)3.9253%3,044
Efficiency ratio65.6707%2,583
Assets per employee ($millions)6.7395%1,752
Cash dividends to net income (ytd only)*64.0898%1,183
Condition Ratios (%)
Loss allowance to loans1.1216%3,353
Loan loss allowance to noncurrent loans174.1047%2,577
Noncurrent assets plus other real estate owned to assets0.4531%2,216
Noncurrent loans to loans0.6442%2,070
Net loans and leases to total assets63.5937%2,418
Net loans and leases to deposits76.8818%2,185
Net loans and leases to core deposits77.1565%2,627
Total domestic deposits to total assets82.7162%3,490
Equity capital to assets16.6811%365
Core capital (leverage) ratio15.8841%395
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.3502%553
Memoranda:
Average total assets$82,784,0004,211
Average earning assets$79,448,6004,164
Average equity$14,436,2003,702
Average total loans$56,730,4003,968
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9934%2,991
Cost of funding earning assets0.2557%4,492
Net interest margin3.7378%1,807
Noninterest income to average assets0.3007%3,683
Noninterest expense to average assets2.6151%2,494
Loan and lease loss provision to assets0.3273%1,192
Net operating income to assets0.9431%2,548
Return on assets (ROA)0.9431%2,678
Pretax return on assets0.9431%3,254
Return on Equity (ROE)5.3456%3,775
Retained earnings to average equity (ytd only)1.1951%4,181
Net charge-offs to loans0.2276%672
Credit loss provision to net charge-offs206.1856%2,091
Earnings coverage of net charge-offs (x)8.0103%2,532
Efficiency ratio67.3117%2,280
Assets per employee ($millions)7.2656%1,342
Cash dividends to net income (ytd only)*77.6430%641
Condition Ratios (%)
Loss allowance to loans1.2138%2,589
Loan loss allowance to noncurrent loans64.0429%3,827
Noncurrent assets plus other real estate owned to assets1.3213%701
Noncurrent loans to loans1.8953%671
Net loans and leases to total assets66.8345%2,406
Net loans and leases to deposits80.8646%2,214
Net loans and leases to core deposits83.7769%2,498
Total domestic deposits to total assets82.6499%3,235
Equity capital to assets16.6447%406
Core capital (leverage) ratio16.4231%383
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.7211%603
Memoranda:
Average total assets$81,576,5004,237
Average earning assets$78,226,5004,194
Average equity$14,391,5003,709
Average total loans$56,825,7503,987
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0947%3,062
Cost of funding earning assets0.2672%4,571
Net interest margin3.8275%1,747
Noninterest income to average assets0.3011%3,664
Noninterest expense to average assets2.7727%2,154
Loan and lease loss provision to assets0.3889%1,055
Net operating income to assets0.8055%3,031
Return on assets (ROA)0.8055%3,143
Pretax return on assets0.8055%3,568
Return on Equity (ROE)4.4735%3,984
Retained earnings to average equity (ytd only)0.7247%4,156
Net charge-offs to loans0.0143%2,466
Credit loss provision to net charge-offs3,875.0000%280
Earnings coverage of net charge-offs (x)119.0000%628
Efficiency ratio69.8925%1,969
Assets per employee ($millions)6.4875%1,790
Cash dividends to net income (ytd only)*83.8006%691
Condition Ratios (%)
Loss allowance to loans1.2783%2,112
Loan loss allowance to noncurrent loans63.1405%3,827
Noncurrent assets plus other real estate owned to assets1.4750%640
Noncurrent loans to loans2.0245%662
Net loans and leases to total assets69.9625%2,039
Net loans and leases to deposits85.1627%1,862
Net loans and leases to core deposits89.7005%2,093
Total domestic deposits to total assets82.1516%3,328
Equity capital to assets17.1453%367
Core capital (leverage) ratio17.2293%329
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6861%611
Memoranda:
Average total assets$79,706,3334,256
Average earning assets$76,342,6674,221
Average equity$14,351,3333,720
Average total loans$56,105,3334,016
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3281%2,830
Cost of funding earning assets0.2968%4,668
Net interest margin4.0312%1,310
Noninterest income to average assets0.3256%3,573
Noninterest expense to average assets3.0495%1,767
Loan and lease loss provision to assets0.6202%440
Net operating income to assets0.5169%3,854
Return on assets (ROA)0.5169%3,910
Pretax return on assets0.5169%4,093
Return on Equity (ROE)2.7978%4,266
Retained earnings to average equity (ytd only)-0.4756%4,069
Net charge-offs to loans0.0369%1,682
Credit loss provision to net charge-offs2,400.0000%303
Earnings coverage of net charge-offs (x)44.0000%980
Efficiency ratio72.8395%1,960
Assets per employee ($millions)6.0335%1,651
Cash dividends to net income (ytd only)*117.0000%626
Condition Ratios (%)
Loss allowance to loans1.3708%1,803
Loan loss allowance to noncurrent loans57.8696%3,944
Noncurrent assets plus other real estate owned to assets1.6039%639
Noncurrent loans to loans2.3688%523
Net loans and leases to total assets66.7806%2,725
Net loans and leases to deposits82.3417%2,412
Net loans and leases to core deposits85.7171%2,704
Total domestic deposits to total assets81.1018%3,641
Equity capital to assets18.3360%331
Core capital (leverage) ratio17.9014%344
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.1384%556
Memoranda:
Average total assets$77,390,5004,301
Average earning assets$74,121,0004,256
Average equity$14,297,0003,738
Average total loans$54,273,5004,066
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6947%2,345
Cost of funding earning assets0.2622%4,820
Net interest margin4.4325%836
Noninterest income to average assets0.3664%3,505
Noninterest expense to average assets3.0948%1,778
Loan and lease loss provision to assets0.0531%2,972
Net operating income to assets1.4591%1,162
Return on assets (ROA)1.4591%1,222
Pretax return on assets1.4604%1,935
Return on Equity (ROE)7.9188%3,200
Retained earnings to average equity (ytd only)4.3016%2,808
Net charge-offs to loans0.2014%1,015
Credit loss provision to net charge-offs36.6972%3,230
Earnings coverage of net charge-offs (x)10.4587%2,572
Efficiency ratio67.1564%2,593
Assets per employee ($millions)5.8727%1,739
Cash dividends to net income (ytd only)*45.6779%2,294
Condition Ratios (%)
Loss allowance to loans1.1039%2,925
Loan loss allowance to noncurrent loans63.3540%3,880
Noncurrent assets plus other real estate owned to assets1.2653%881
Noncurrent loans to loans1.7425%784
Net loans and leases to total assets71.8148%2,119
Net loans and leases to deposits88.8520%1,722
Net loans and leases to core deposits92.6116%2,192
Total domestic deposits to total assets80.8252%3,804
Equity capital to assets18.6155%325
Core capital (leverage) ratio18.2069%327
Tier 1 risk-based capital ratio21.3365%1,111
Total risk-based capital ratio22.2745%1,133
Memoranda:
Average total assets$75,320,2004,359
Average earning assets$72,081,2004,310
Average equity$13,878,4003,768
Average total loans$54,126,6004,099
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7107%2,385
Cost of funding earning assets0.2408%4,946
Net interest margin4.4699%821
Noninterest income to average assets0.3588%3,580
Noninterest expense to average assets3.1244%1,656
Loan and lease loss provision to assets0.0444%3,022
Net operating income to assets1.4760%1,252
Return on assets (ROA)1.4760%1,313
Pretax return on assets1.4760%2,030
Return on Equity (ROE)8.0317%3,292
Retained earnings to average equity (ytd only)4.3010%3,247
Net charge-offs to loans0.2701%653
Credit loss provision to net charge-offs22.9358%2,951
Earnings coverage of net charge-offs (x)7.8532%2,707
Efficiency ratio67.2658%2,534
Assets per employee ($millions)4.9018%2,659
Cash dividends to net income (ytd only)*46.4498%1,854
Condition Ratios (%)
Loss allowance to loans1.1118%2,968
Loan loss allowance to noncurrent loans62.9083%3,940
Noncurrent assets plus other real estate owned to assets1.2907%943
Noncurrent loans to loans1.7674%813
Net loans and leases to total assets72.2170%2,146
Net loans and leases to deposits90.0181%1,693
Net loans and leases to core deposits90.0181%2,544
Total domestic deposits to total assets80.2250%3,943
Equity capital to assets19.1426%302
Core capital (leverage) ratio18.5929%311
Tier 1 risk-based capital ratio21.5920%1,125
Total risk-based capital ratio22.5282%1,137
Memoranda:
Average total assets$75,064,0004,415
Average earning assets$71,976,2504,368
Average equity$13,795,0003,817
Average total loans$53,798,5004,153
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6054%2,659
Cost of funding earning assets0.2315%5,007
Net interest margin4.3738%988
Noninterest income to average assets0.3440%3,637
Noninterest expense to average assets3.1703%1,568
Loan and lease loss provision to assets0.0265%3,291
Net operating income to assets1.3470%1,587
Return on assets (ROA)1.3470%1,653
Pretax return on assets1.3470%2,392
Return on Equity (ROE)7.4298%3,522
Retained earnings to average equity (ytd only)4.6564%2,942
Net charge-offs to loans0.1820%905
Credit loss provision to net charge-offs20.4082%2,653
Earnings coverage of net charge-offs (x)10.5918%2,256
Efficiency ratio69.7729%2,261
Assets per employee ($millions)5.0253%2,448
Cash dividends to net income (ytd only)*37.3281%2,317
Condition Ratios (%)
Loss allowance to loans1.1887%2,585
Loan loss allowance to noncurrent loans62.3907%3,968
Noncurrent assets plus other real estate owned to assets1.3651%888
Noncurrent loans to loans1.9053%775
Net loans and leases to total assets70.7969%2,425
Net loans and leases to deposits87.4695%2,063
Net loans and leases to core deposits88.1951%2,780
Total domestic deposits to total assets80.9390%3,829
Equity capital to assets18.4096%340
Core capital (leverage) ratio18.4400%315
Tier 1 risk-based capital ratio21.4428%1,128
Total risk-based capital ratio22.4519%1,136
Memoranda:
Average total assets$75,576,3304,443
Average earning assets$72,567,6704,391
Average equity$13,701,6703,831
Average total loans$53,832,6704,179
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7113%2,186
Cost of funding earning assets0.2369%5,018
Net interest margin4.4744%776
Noninterest income to average assets0.3119%3,776
Noninterest expense to average assets3.1080%1,717
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4959%1,122
Return on assets (ROA)1.4959%1,152
Pretax return on assets1.4959%1,784
Return on Equity (ROE)8.3150%3,108
Retained earnings to average equity (ytd only)8.3150%1,545
Net charge-offs to loans-0.0074%4,124
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5086%2,711
Assets per employee ($millions)4.6739%2,951
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.3188%2,001
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets68.2424%2,723
Net loans and leases to deposits84.4232%2,337
Net loans and leases to core deposits85.1274%2,945
Total domestic deposits to total assets80.8336%4,001
Equity capital to assets18.4523%311
Core capital (leverage) ratio17.9723%339
Tier 1 risk-based capital ratio21.7670%1,078
Total risk-based capital ratio22.8580%1,079
Memoranda:
Average total assets$75,675,0004,489
Average earning assets$72,591,5004,440
Average equity$13,614,0003,850
Average total loans$53,745,0004,222
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6155%2,098
Cost of funding earning assets0.2189%4,924
Net interest margin4.3967%945
Noninterest income to average assets0.3525%3,742
Noninterest expense to average assets2.9930%2,058
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.5598%969
Return on assets (ROA)1.5598%962
Pretax return on assets1.5611%1,587
Return on Equity (ROE)9.2277%2,873
Retained earnings to average equity (ytd only)5.2250%2,649
Net charge-offs to loans0.0130%3,250
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)172.7143%505
Efficiency ratio65.7216%2,908
Assets per employee ($millions)4.7855%2,761
Cash dividends to net income (ytd only)*43.3775%2,333
Condition Ratios (%)
Loss allowance to loans1.2210%2,463
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets71.9543%2,264
Net loans and leases to deposits87.9955%2,040
Net loans and leases to core deposits89.4238%2,617
Total domestic deposits to total assets81.7705%3,700
Equity capital to assets17.5387%376
Core capital (leverage) ratio17.2005%393
Tier 1 risk-based capital ratio20.6609%1,199
Total risk-based capital ratio21.7169%1,207
Memoranda:
Average total assets$77,447,4004,474
Average earning assets$74,010,8004,422
Average equity$13,091,0003,869
Average total loans$53,936,0004,226
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5421%2,150
Cost of funding earning assets0.1958%5,033
Net interest margin4.3464%1,018
Noninterest income to average assets0.3553%3,754
Noninterest expense to average assets3.0042%2,006
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.5055%1,180
Return on assets (ROA)1.5055%1,175
Pretax return on assets1.5055%1,880
Return on Equity (ROE)8.9901%3,094
Retained earnings to average equity (ytd only)4.9308%3,275
Net charge-offs to loans0.0150%2,884
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)146.1625%558
Efficiency ratio66.6159%2,768
Assets per employee ($millions)4.8884%2,611
Cash dividends to net income (ytd only)*45.1544%1,814
Condition Ratios (%)
Loss allowance to loans1.2820%2,185
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets71.6226%2,388
Net loans and leases to deposits90.3644%1,844
Net loans and leases to core deposits90.3644%2,630
Total domestic deposits to total assets79.2597%4,266
Equity capital to assets17.9391%338
Core capital (leverage) ratio17.1682%400
Tier 1 risk-based capital ratio21.5966%1,105
Total risk-based capital ratio22.7191%1,102
Memoranda:
Average total assets$77,667,2504,516
Average earning assets$74,236,7504,462
Average equity$13,006,5003,910
Average total loans$53,476,2504,281
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4314%2,316
Cost of funding earning assets0.1641%5,185
Net interest margin4.2673%1,114
Noninterest income to average assets0.3539%3,797
Noninterest expense to average assets2.9249%2,276
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.5042%1,151
Return on assets (ROA)1.5042%1,148
Pretax return on assets1.5042%1,800
Return on Equity (ROE)9.1840%2,938
Retained earnings to average equity (ytd only)4.8158%3,175
Net charge-offs to loans0.0261%2,334
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)85.0000%793
Efficiency ratio66.0388%2,970
Assets per employee ($millions)4.8377%2,635
Cash dividends to net income (ytd only)*47.5630%1,786
Condition Ratios (%)
Loss allowance to loans1.2801%2,268
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets67.7493%2,904
Net loans and leases to deposits82.0734%2,760
Net loans and leases to core deposits82.0734%3,235
Total domestic deposits to total assets82.5472%3,551
Equity capital to assets16.8030%419
Core capital (leverage) ratio16.5352%440
Tier 1 risk-based capital ratio21.1547%1,147
Total risk-based capital ratio22.2652%1,145
Memoranda:
Average total assets$79,114,3304,528
Average earning assets$75,551,0004,483
Average equity$12,957,3303,937
Average total loans$53,568,3304,317
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3309%2,416
Cost of funding earning assets0.1618%5,213
Net interest margin4.1691%1,247
Noninterest income to average assets0.3551%3,772
Noninterest expense to average assets2.9411%2,222
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.4105%1,318
Return on assets (ROA)1.4105%1,326
Pretax return on assets1.4105%1,973
Return on Equity (ROE)8.7219%3,042
Retained earnings to average equity (ytd only)8.7219%1,567
Net charge-offs to loans0.0669%1,440
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)31.3333%1,215
Efficiency ratio67.5862%2,898
Assets per employee ($millions)4.7269%2,817
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3030%2,231
Loan loss allowance to noncurrent loans4,526.6667%176
Noncurrent assets plus other real estate owned to assets0.0187%5,022
Noncurrent loans to loans0.0288%4,850
Net loans and leases to total assets64.0036%3,304
Net loans and leases to deposits76.9779%3,115
Net loans and leases to core deposits76.9779%3,580
Total domestic deposits to total assets83.1454%3,618
Equity capital to assets16.1988%472
Core capital (leverage) ratio15.7426%525
Tier 1 risk-based capital ratio21.7209%1,098
Total risk-based capital ratio22.8623%1,082
Memoranda:
Average total assets$79,970,0004,567
Average earning assets$76,659,0004,516
Average equity$12,933,0003,979
Average total loans$53,792,5004,354
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2904%2,359
Cost of funding earning assets0.1783%5,107
Net interest margin4.1121%1,397
Noninterest income to average assets0.3288%4,118
Noninterest expense to average assets2.9068%2,434
Loan and lease loss provision to assets0.0285%3,702
Net operating income to assets1.3411%1,138
Return on assets (ROA)1.3411%1,161
Pretax return on assets1.3424%2,204
Return on Equity (ROE)8.5156%2,531
Retained earnings to average equity (ytd only)4.6241%2,377
Net charge-offs to loans-0.0379%5,120
Credit loss provision to net charge-offs-109.5238%4,724
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9524%2,907
Assets per employee ($millions)4.6813%2,894
Cash dividends to net income (ytd only)*45.6984%2,547
Condition Ratios (%)
Loss allowance to loans1.2402%2,534
Loan loss allowance to noncurrent loans4,586.6667%198
Noncurrent assets plus other real estate owned to assets0.0188%5,066
Noncurrent loans to loans0.0270%4,894
Net loans and leases to total assets68.8422%2,702
Net loans and leases to deposits82.7633%2,637
Net loans and leases to core deposits82.7633%3,171
Total domestic deposits to total assets83.1796%3,504
Equity capital to assets16.1456%496
Core capital (leverage) ratio15.9483%480
Tier 1 risk-based capital ratio20.1518%1,289
Total risk-based capital ratio21.2486%1,282
Memoranda:
Average total assets$80,604,0004,580
Average earning assets$77,405,6004,509
Average equity$12,694,4004,031
Average total loans$55,345,0004,315
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2593%2,396
Cost of funding earning assets0.1834%5,113
Net interest margin4.0759%1,465
Noninterest income to average assets0.3265%4,199
Noninterest expense to average assets2.9367%2,290
Loan and lease loss provision to assets0.0379%3,347
Net operating income to assets1.2730%1,425
Return on assets (ROA)1.2730%1,451
Pretax return on assets1.2730%2,614
Return on Equity (ROE)8.1331%3,061
Retained earnings to average equity (ytd only)4.5933%3,148
Net charge-offs to loans-0.0458%5,142
Credit loss provision to net charge-offs-121.0526%4,538
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1382%2,684
Assets per employee ($millions)4.8931%2,579
Cash dividends to net income (ytd only)*43.5233%2,100
Condition Ratios (%)
Loss allowance to loans1.2541%2,619
Loan loss allowance to noncurrent loans121.2014%3,202
Noncurrent assets plus other real estate owned to assets0.7230%2,344
Noncurrent loans to loans1.0347%1,868
Net loans and leases to total assets68.9931%2,694
Net loans and leases to deposits83.2676%2,630
Net loans and leases to core deposits83.2676%3,195
Total domestic deposits to total assets82.8571%3,506
Equity capital to assets16.4059%493
Core capital (leverage) ratio15.4835%582
Tier 1 risk-based capital ratio20.1059%1,342
Total risk-based capital ratio21.2103%1,331
Memoranda:
Average total assets$80,859,5004,617
Average earning assets$77,788,5004,544
Average equity$12,655,7504,075
Average total loans$55,312,7504,351
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1215%2,762
Cost of funding earning assets0.1809%5,136
Net interest margin3.9407%1,806
Noninterest income to average assets0.3206%4,261
Noninterest expense to average assets2.8905%2,454
Loan and lease loss provision to assets0.0563%2,847
Net operating income to assets1.1601%1,739
Return on assets (ROA)1.1601%1,782
Pretax return on assets1.1601%2,936
Return on Equity (ROE)7.5280%3,278
Retained earnings to average equity (ytd only)5.2410%2,554
Net charge-offs to loans-0.0648%5,272
Credit loss provision to net charge-offs-127.7778%4,393
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3814%2,604
Assets per employee ($millions)4.7622%2,703
Cash dividends to net income (ytd only)*30.3797%2,769
Condition Ratios (%)
Loss allowance to loans1.1815%3,128
Loan loss allowance to noncurrent loans110.1286%3,392
Noncurrent assets plus other real estate owned to assets0.7683%2,288
Noncurrent loans to loans1.0729%1,827
Net loans and leases to total assets70.7663%2,406
Net loans and leases to deposits89.0400%1,859
Net loans and leases to core deposits89.0400%2,611
Total domestic deposits to total assets79.4770%4,518
Equity capital to assets15.7514%565
Core capital (leverage) ratio14.9522%640
Tier 1 risk-based capital ratio19.1598%1,558
Total risk-based capital ratio20.2197%1,549
Memoranda:
Average total assets$81,716,3304,633
Average earning assets$78,514,6704,557
Average equity$12,593,0004,096
Average total loans$55,517,0004,373
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0176%2,968
Cost of funding earning assets0.1725%5,216
Net interest margin3.8451%1,970
Noninterest income to average assets0.3313%4,180
Noninterest expense to average assets2.9137%2,417
Loan and lease loss provision to assets0.1121%1,710
Net operating income to assets0.9988%2,312
Return on assets (ROA)0.9988%2,359
Pretax return on assets0.9988%3,376
Return on Equity (ROE)6.5529%3,635
Retained earnings to average equity (ytd only)6.5529%2,050
Net charge-offs to loans-0.1179%5,494
Credit loss provision to net charge-offs-143.7500%4,000
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3971%2,504
Assets per employee ($millions)4.8389%2,643
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2937%2,567
Loan loss allowance to noncurrent loans4,017.6471%194
Noncurrent assets plus other real estate owned to assets0.0207%5,254
Noncurrent loans to loans0.0322%5,077
Net loans and leases to total assets63.3464%3,353
Net loans and leases to deposits75.4179%3,263
Net loans and leases to core deposits78.8411%3,404
Total domestic deposits to total assets83.9938%3,483
Equity capital to assets15.3400%586
Core capital (leverage) ratio14.7776%649
Tier 1 risk-based capital ratio20.4246%1,313
Total risk-based capital ratio21.5627%1,296
Memoranda:
Average total assets$82,095,5004,671
Average earning assets$78,854,0004,594
Average equity$12,513,5004,133
Average total loans$54,287,5004,444
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1745%2,570
Cost of funding earning assets0.1969%5,042
Net interest margin3.9776%1,703
Noninterest income to average assets0.3263%4,405
Noninterest expense to average assets2.9164%2,616
Loan and lease loss provision to assets0.1620%1,527
Net operating income to assets1.0521%2,130
Return on assets (ROA)1.0521%2,230
Pretax return on assets1.0533%3,287
Return on Equity (ROE)7.0133%3,456
Retained earnings to average equity (ytd only)3.7346%3,263
Net charge-offs to loans0.2413%1,157
Credit loss provision to net charge-offs98.5401%2,633
Earnings coverage of net charge-offs (x)7.3942%3,027
Efficiency ratio70.5865%2,815
Assets per employee ($millions)4.5516%3,040
Cash dividends to net income (ytd only)*46.7503%2,477
Condition Ratios (%)
Loss allowance to loans1.1563%3,395
Loan loss allowance to noncurrent loans533.0579%1,012
Noncurrent assets plus other real estate owned to assets0.1477%4,725
Noncurrent loans to loans0.2169%4,376
Net loans and leases to total assets67.2985%2,888
Net loans and leases to deposits80.9481%2,783
Net loans and leases to core deposits85.3329%2,899
Total domestic deposits to total assets83.1378%3,725
Equity capital to assets15.1448%618
Core capital (leverage) ratio14.1990%764
Tier 1 risk-based capital ratio19.3374%1,517
Total risk-based capital ratio20.3722%1,529
Memoranda:
Average total assets$83,355,0004,662
Average earning assets$79,745,8004,592
Average equity$12,504,8004,170
Average total loans$56,778,4004,390
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1916%2,543
Cost of funding earning assets0.2002%5,066
Net interest margin3.9914%1,686
Noninterest income to average assets0.3170%4,504
Noninterest expense to average assets2.8223%2,927
Loan and lease loss provision to assets0.1800%1,234
Net operating income to assets1.1245%1,896
Return on assets (ROA)1.1245%2,009
Pretax return on assets1.1261%3,131
Return on Equity (ROE)7.5130%3,287
Retained earnings to average equity (ytd only)4.0013%3,455
Net charge-offs to loans0.3367%686
Credit loss provision to net charge-offs78.4722%2,685
Earnings coverage of net charge-offs (x)5.6943%3,095
Efficiency ratio68.3642%3,165
Assets per employee ($millions)5.1749%2,165
Cash dividends to net income (ytd only)*46.7423%2,040
Condition Ratios (%)
Loss allowance to loans1.1229%3,716
Loan loss allowance to noncurrent loans375.0000%1,349
Noncurrent assets plus other real estate owned to assets0.2283%4,532
Noncurrent loans to loans0.2994%4,178
Net loans and leases to total assets65.4074%3,217
Net loans and leases to deposits80.1326%2,947
Net loans and leases to core deposits84.5092%3,079
Total domestic deposits to total assets81.6240%4,070
Equity capital to assets15.2830%676
Core capital (leverage) ratio14.4244%740
Tier 1 risk-based capital ratio19.3535%1,586
Total risk-based capital ratio20.3485%1,606
Memoranda:
Average total assets$83,711,5004,690
Average earning assets$79,936,2504,625
Average equity$12,529,0004,205
Average total loans$57,027,5004,410
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1796%2,570
Cost of funding earning assets0.1957%5,187
Net interest margin3.9839%1,690
Noninterest income to average assets0.3190%4,497
Noninterest expense to average assets2.8233%2,949
Loan and lease loss provision to assets0.2142%988
Net operating income to assets1.1093%1,925
Return on assets (ROA)1.1093%2,045
Pretax return on assets1.1093%3,164
Return on Equity (ROE)7.4636%3,284
Retained earnings to average equity (ytd only)4.2123%3,230
Net charge-offs to loans0.4846%454
Credit loss provision to net charge-offs64.2857%2,527
Earnings coverage of net charge-offs (x)3.9714%3,037
Efficiency ratio68.0827%3,327
Assets per employee ($millions)5.0807%2,221
Cash dividends to net income (ytd only)*43.5622%2,255
Condition Ratios (%)
Loss allowance to loans1.0649%4,139
Loan loss allowance to noncurrent loans269.2308%1,788
Noncurrent assets plus other real estate owned to assets0.3026%4,287
Noncurrent loans to loans0.3955%3,943
Net loans and leases to total assets67.9989%2,773
Net loans and leases to deposits83.5581%2,520
Net loans and leases to core deposits87.5273%2,776
Total domestic deposits to total assets81.3792%4,168
Equity capital to assets15.4986%626
Core capital (leverage) ratio13.7782%881
Tier 1 risk-based capital ratio18.9747%1,699
Total risk-based capital ratio19.9276%1,724
Memoranda:
Average total assets$84,016,0004,721
Average earning assets$80,725,6704,648
Average equity$12,487,3304,234
Average total loans$57,779,6704,414
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1236%2,759
Cost of funding earning assets0.1755%5,416
Net interest margin3.9482%1,791
Noninterest income to average assets0.2998%4,586
Noninterest expense to average assets2.7407%3,271
Loan and lease loss provision to assets0.3186%482
Net operating income to assets1.0354%2,139
Return on assets (ROA)1.0354%2,259
Pretax return on assets1.0354%3,336
Return on Equity (ROE)7.1110%3,401
Retained earnings to average equity (ytd only)7.1110%1,839
Net charge-offs to loans0.7287%291
Credit loss provision to net charge-offs63.5514%1,957
Earnings coverage of net charge-offs (x)2.7009%2,646
Efficiency ratio66.9336%3,641
Assets per employee ($millions)5.2039%2,138
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0423%4,377
Loan loss allowance to noncurrent loans171.6714%2,509
Noncurrent assets plus other real estate owned to assets0.4240%3,900
Noncurrent loans to loans0.6071%3,355
Net loans and leases to total assets69.1027%2,478
Net loans and leases to deposits86.5400%2,013
Net loans and leases to core deposits87.8615%2,580
Total domestic deposits to total assets79.8506%4,776
Equity capital to assets15.1124%669
Core capital (leverage) ratio13.9253%831
Tier 1 risk-based capital ratio18.3297%1,903
Total risk-based capital ratio19.2706%1,948
Memoranda:
Average total assets$85,378,5004,742
Average earning assets$82,063,5004,659
Average equity$12,431,5004,254
Average total loans$58,733,5004,422
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0230%3,222
Cost of funding earning assets0.2360%4,937
Net interest margin3.7870%2,418
Noninterest income to average assets0.3379%4,492
Noninterest expense to average assets2.7630%3,374
Loan and lease loss provision to assets0.1546%1,516
Net operating income to assets1.0218%2,250
Return on assets (ROA)1.0218%2,328
Pretax return on assets1.0229%3,369
Return on Equity (ROE)7.2745%3,375
Retained earnings to average equity (ytd only)3.6209%3,481
Net charge-offs to loans0.1743%1,642
Credit loss provision to net charge-offs137.7551%1,901
Earnings coverage of net charge-offs (x)10.4898%2,679
Efficiency ratio70.1163%3,201
Assets per employee ($millions)5.4684%1,841
Cash dividends to net income (ytd only)*50.2242%2,286
Condition Ratios (%)
Loss allowance to loans1.0889%4,105
Loan loss allowance to noncurrent loans221.2329%2,102
Noncurrent assets plus other real estate owned to assets0.3337%4,248
Noncurrent loans to loans0.4922%3,724
Net loans and leases to total assets67.0652%2,848
Net loans and leases to deposits79.6487%2,864
Net loans and leases to core deposits84.8303%2,902
Total domestic deposits to total assets84.2012%3,400
Equity capital to assets14.0352%919
Core capital (leverage) ratio13.2423%1,063
Tier 1 risk-based capital ratio17.4923%2,128
Total risk-based capital ratio18.4677%2,169
Memoranda:
Average total assets$87,296,8004,725
Average earning assets$83,047,6004,656
Average equity$12,262,0004,254
Average total loans$56,225,0004,498
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0269%3,229
Cost of funding earning assets0.2446%4,938
Net interest margin3.7823%2,454
Noninterest income to average assets0.3377%4,525
Noninterest expense to average assets2.7828%3,260
Loan and lease loss provision to assets0.1039%2,125
Net operating income to assets1.0422%2,261
Return on assets (ROA)1.0422%2,351
Pretax return on assets1.0422%3,445
Return on Equity (ROE)7.4184%3,388
Retained earnings to average equity (ytd only)3.5134%3,967
Net charge-offs to loans0.0289%3,362
Credit loss provision to net charge-offs566.6667%593
Earnings coverage of net charge-offs (x)62.4988%892
Efficiency ratio70.8285%3,075
Assets per employee ($millions)5.2798%1,971
Cash dividends to net income (ytd only)*52.6388%1,764
Condition Ratios (%)
Loss allowance to loans1.1927%3,697
Loan loss allowance to noncurrent loans214.5161%2,129
Noncurrent assets plus other real estate owned to assets0.3670%4,299
Noncurrent loans to loans0.5560%3,664
Net loans and leases to total assets65.2126%3,128
Net loans and leases to deposits80.3199%2,849
Net loans and leases to core deposits85.4398%2,910
Total domestic deposits to total assets81.1911%4,424
Equity capital to assets14.6207%833
Core capital (leverage) ratio13.0739%1,179
Tier 1 risk-based capital ratio18.0538%2,008
Total risk-based capital ratio19.1011%2,040
Memoranda:
Average total assets$87,247,5004,782
Average earning assets$82,840,2504,716
Average equity$12,257,5004,310
Average total loans$55,450,2504,561
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9728%3,399
Cost of funding earning assets0.2517%4,920
Net interest margin3.7211%2,621
Noninterest income to average assets0.3176%4,682
Noninterest expense to average assets2.7515%3,405
Loan and lease loss provision to assets0.1021%2,133
Net operating income to assets0.9844%2,480
Return on assets (ROA)0.9844%2,587
Pretax return on assets0.9844%3,648
Return on Equity (ROE)7.0994%3,552
Retained earnings to average equity (ytd only)4.4003%3,215
Net charge-offs to loans0.0072%3,648
Credit loss provision to net charge-offs2,250.0000%179
Earnings coverage of net charge-offs (x)239.5000%291
Efficiency ratio71.6903%3,040
Assets per employee ($millions)5.4501%1,787
Cash dividends to net income (ytd only)*38.0184%2,481
Condition Ratios (%)
Loss allowance to loans1.1593%4,031
Loan loss allowance to noncurrent loans186.8195%2,353
Noncurrent assets plus other real estate owned to assets0.4771%4,024
Noncurrent loans to loans0.6206%3,607
Net loans and leases to total assets63.7462%3,296
Net loans and leases to deposits78.2125%3,001
Net loans and leases to core deposits85.5634%2,812
Total domestic deposits to total assets81.5039%4,445
Equity capital to assets14.0650%964
Core capital (leverage) ratio12.5626%1,347
Tier 1 risk-based capital ratio17.7122%2,152
Total risk-based capital ratio18.7243%2,187
Memoranda:
Average total assets$88,171,3304,812
Average earning assets$83,416,6704,750
Average equity$12,226,3304,338
Average total loans$55,349,0004,603
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9184%3,524
Cost of funding earning assets0.2500%5,024
Net interest margin3.6684%2,739
Noninterest income to average assets0.3113%4,700
Noninterest expense to average assets2.7612%3,380
Loan and lease loss provision to assets0.1038%1,971
Net operating income to assets0.8888%2,797
Return on assets (ROA)0.8888%2,923
Pretax return on assets0.8888%3,929
Return on Equity (ROE)6.4553%3,795
Retained earnings to average equity (ytd only)5.4395%2,813
Net charge-offs to loans0.0146%2,876
Credit loss provision to net charge-offs1,150.0000%302
Earnings coverage of net charge-offs (x)110.0000%456
Efficiency ratio73.5577%2,891
Assets per employee ($millions)5.4092%1,870
Cash dividends to net income (ytd only)*15.7360%2,634
Condition Ratios (%)
Loss allowance to loans1.1679%4,159
Loan loss allowance to noncurrent loans228.2609%1,994
Noncurrent assets plus other real estate owned to assets0.3730%4,524
Noncurrent loans to loans0.5116%4,045
Net loans and leases to total assets57.9777%3,946
Net loans and leases to deposits71.6586%3,565
Net loans and leases to core deposits78.0609%3,372
Total domestic deposits to total assets80.9083%4,847
Equity capital to assets13.4129%1,212
Core capital (leverage) ratio12.5100%1,360
Tier 1 risk-based capital ratio17.9125%2,167
Total risk-based capital ratio18.9105%2,212
Memoranda:
Average total assets$88,656,0004,844
Average earning assets$83,197,5004,793
Average equity$12,207,0004,374
Average total loans$54,903,5004,644
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0596%3,485
Cost of funding earning assets0.2902%4,890
Net interest margin3.7694%2,734
Noninterest income to average assets0.3462%4,629
Noninterest expense to average assets2.5425%4,415
Loan and lease loss provision to assets0.1349%1,941
Net operating income to assets1.2746%1,359
Return on assets (ROA)1.2746%1,410
Pretax return on assets1.2746%2,329
Return on Equity (ROE)9.4965%2,345
Retained earnings to average equity (ytd only)5.4350%2,303
Net charge-offs to loans0.0437%3,951
Credit loss provision to net charge-offs500.0000%518
Earnings coverage of net charge-offs (x)52.2500%896
Efficiency ratio64.3345%4,546
Assets per employee ($millions)5.0209%2,294
Cash dividends to net income (ytd only)*42.7690%2,710
Condition Ratios (%)
Loss allowance to loans1.0902%4,583
Loan loss allowance to noncurrent loans192.7215%2,310
Noncurrent assets plus other real estate owned to assets0.4487%4,321
Noncurrent loans to loans0.5657%3,975
Net loans and leases to total assets64.7336%3,101
Net loans and leases to deposits81.1926%2,582
Net loans and leases to core deposits89.3340%2,349
Total domestic deposits to total assets79.7284%5,088
Equity capital to assets14.1525%910
Core capital (leverage) ratio12.5212%1,347
Tier 1 risk-based capital ratio17.3249%2,372
Total risk-based capital ratio18.2719%2,457
Memoranda:
Average total assets$88,968,0004,863
Average earning assets$85,106,0004,756
Average equity$11,941,2004,371
Average total loans$54,964,8004,650
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0215%3,679
Cost of funding earning assets0.2871%5,023
Net interest margin3.7343%2,877
Noninterest income to average assets0.3338%4,768
Noninterest expense to average assets2.4894%4,562
Loan and lease loss provision to assets0.1335%1,875
Net operating income to assets1.2803%1,430
Return on assets (ROA)1.2803%1,483
Pretax return on assets1.2803%2,455
Return on Equity (ROE)9.6640%2,367
Retained earnings to average equity (ytd only)5.9686%2,433
Net charge-offs to loans0.0365%3,757
Credit loss provision to net charge-offs600.0000%494
Earnings coverage of net charge-offs (x)63.5315%829
Efficiency ratio63.7780%4,585
Assets per employee ($millions)5.4251%1,795
Cash dividends to net income (ytd only)*38.2387%2,425
Condition Ratios (%)
Loss allowance to loans1.0640%4,926
Loan loss allowance to noncurrent loans158.6022%2,598
Noncurrent assets plus other real estate owned to assets0.5057%4,362
Noncurrent loans to loans0.6709%3,930
Net loans and leases to total assets63.2036%3,313
Net loans and leases to deposits83.1431%2,269
Net loans and leases to core deposits92.2314%2,015
Total domestic deposits to total assets76.0178%5,812
Equity capital to assets13.8833%1,047
Core capital (leverage) ratio12.5736%1,366
Tier 1 risk-based capital ratio17.1395%2,553
Total risk-based capital ratio18.0567%2,631
Memoranda:
Average total assets$89,871,0004,894
Average earning assets$85,903,7504,790
Average equity$11,906,5004,402
Average total loans$54,740,2504,697
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9277%4,028
Cost of funding earning assets0.2804%5,173
Net interest margin3.6473%3,156
Noninterest income to average assets0.3235%4,827
Noninterest expense to average assets2.4204%4,824
Loan and lease loss provision to assets0.1320%1,879
Net operating income to assets1.2630%1,413
Return on assets (ROA)1.2630%1,475
Pretax return on assets1.2630%2,401
Return on Equity (ROE)9.6810%2,290
Retained earnings to average equity (ytd only)6.4933%2,042
Net charge-offs to loans0.0477%3,296
Credit loss provision to net charge-offs461.5385%620
Earnings coverage of net charge-offs (x)48.7692%925
Efficiency ratio63.4371%4,783
Assets per employee ($millions)5.9474%1,309
Cash dividends to net income (ytd only)*32.9268%2,677
Condition Ratios (%)
Loss allowance to loans1.0136%5,291
Loan loss allowance to noncurrent loans147.6316%2,761
Noncurrent assets plus other real estate owned to assets0.5033%4,495
Noncurrent loans to loans0.6865%3,999
Net loans and leases to total assets61.4151%3,500
Net loans and leases to deposits79.4377%2,590
Net loans and leases to core deposits87.6989%2,342
Total domestic deposits to total assets77.3122%5,756
Equity capital to assets13.4288%1,185
Core capital (leverage) ratio12.3780%1,459
Tier 1 risk-based capital ratio16.8307%2,696
Total risk-based capital ratio17.6987%2,813
Memoranda:
Average total assets$90,894,0004,910
Average earning assets$87,024,0004,799
Average equity$11,858,3304,424
Average total loans$54,503,0004,735
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8851%4,144
Cost of funding earning assets0.2866%5,203
Net interest margin3.5985%3,251
Noninterest income to average assets0.3270%4,754
Noninterest expense to average assets2.4069%4,909
Loan and lease loss provision to assets0.1308%1,855
Net operating income to assets1.2383%1,376
Return on assets (ROA)1.2383%1,433
Pretax return on assets1.2383%2,319
Return on Equity (ROE)9.6292%2,189
Retained earnings to average equity (ytd only)9.4935%1,105
Net charge-offs to loans0.0962%2,208
Credit loss provision to net charge-offs230.7692%943
Earnings coverage of net charge-offs (x)24.1538%1,186
Efficiency ratio63.7413%4,902
Assets per employee ($millions)5.3218%1,890
Cash dividends to net income (ytd only)*1.4085%2,838
Condition Ratios (%)
Loss allowance to loans1.0076%5,492
Loan loss allowance to noncurrent loans137.9221%2,844
Noncurrent assets plus other real estate owned to assets0.5217%4,589
Noncurrent loans to loans0.7305%4,032
Net loans and leases to total assets57.6666%3,905
Net loans and leases to deposits71.8213%3,362
Net loans and leases to core deposits78.9883%3,092
Total domestic deposits to total assets80.2918%5,429
Equity capital to assets13.1591%1,229
Core capital (leverage) ratio11.9069%1,708
Tier 1 risk-based capital ratio17.4453%2,490
Total risk-based capital ratio18.3052%2,618
Memoranda:
Average total assets$91,735,5004,919
Average earning assets$87,926,0004,824
Average equity$11,797,5004,448
Average total loans$54,079,5004,790
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8968%4,475
Cost of funding earning assets0.3223%5,402
Net interest margin3.5745%3,580
Noninterest income to average assets0.3940%4,491
Noninterest expense to average assets2.4648%4,877
Loan and lease loss provision to assets0.1022%3,095
Net operating income to assets1.2636%1,352
Return on assets (ROA)1.2636%1,409
Pretax return on assets1.2647%2,297
Return on Equity (ROE)9.4461%2,348
Retained earnings to average equity (ytd only)4.2690%3,138
Net charge-offs to loans-0.0162%6,100
Credit loss provision to net charge-offs-1,125.0000%6,242
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3259%4,841
Assets per employee ($millions)5.4706%1,679
Cash dividends to net income (ytd only)*54.8068%2,035
Condition Ratios (%)
Loss allowance to loans0.9268%5,834
Loan loss allowance to noncurrent loans108.2105%3,409
Noncurrent assets plus other real estate owned to assets0.5301%4,651
Noncurrent loans to loans0.8565%3,838
Net loans and leases to total assets59.0779%3,862
Net loans and leases to deposits81.4707%2,254
Net loans and leases to core deposits90.2955%1,987
Total domestic deposits to total assets72.5143%6,385
Equity capital to assets12.5698%1,479
Core capital (leverage) ratio11.6000%1,888
Tier 1 risk-based capital ratio16.2511%2,987
Total risk-based capital ratio17.0471%3,155
Memoranda:
Average total assets$88,081,8005,027
Average earning assets$84,711,6004,917
Average equity$11,782,6004,489
Average total loans$49,497,0004,982
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8794%4,580
Cost of funding earning assets0.3276%5,487
Net interest margin3.5519%3,648
Noninterest income to average assets0.4068%4,482
Noninterest expense to average assets2.4946%4,741
Loan and lease loss provision to assets0.0691%3,679
Net operating income to assets1.2542%1,473
Return on assets (ROA)1.2542%1,541
Pretax return on assets1.2557%2,494
Return on Equity (ROE)9.2269%2,526
Retained earnings to average equity (ytd only)4.6417%3,364
Net charge-offs to loans-0.0194%6,036
Credit loss provision to net charge-offs-642.8571%6,103
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3135%4,605
Assets per employee ($millions)5.3141%1,833
Cash dividends to net income (ytd only)*49.6938%1,878
Condition Ratios (%)
Loss allowance to loans0.9203%6,006
Loan loss allowance to noncurrent loans104.4643%3,384
Noncurrent assets plus other real estate owned to assets0.5158%4,895
Noncurrent loans to loans0.8810%4,056
Net loans and leases to total assets55.7733%4,352
Net loans and leases to deposits71.1934%3,613
Net loans and leases to core deposits77.3001%3,458
Total domestic deposits to total assets78.3405%5,851
Equity capital to assets12.8782%1,389
Core capital (leverage) ratio11.6385%1,922
Tier 1 risk-based capital ratio17.2565%2,604
Total risk-based capital ratio18.0330%2,769
Memoranda:
Average total assets$86,852,0005,101
Average earning assets$83,446,5004,989
Average equity$11,805,7504,536
Average total loans$48,007,0005,074
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8401%4,692
Cost of funding earning assets0.3348%5,528
Net interest margin3.5053%3,758
Noninterest income to average assets0.4318%4,297
Noninterest expense to average assets2.5511%4,560
Loan and lease loss provision to assets0.0700%3,634
Net operating income to assets1.1810%1,640
Return on assets (ROA)1.1810%1,747
Pretax return on assets1.1833%2,749
Return on Equity (ROE)8.5307%2,833
Retained earnings to average equity (ytd only)4.1642%3,637
Net charge-offs to loans-0.0340%6,131
Credit loss provision to net charge-offs-375.0000%5,854
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0552%4,350
Assets per employee ($millions)5.1730%1,908
Cash dividends to net income (ytd only)*51.1858%1,824
Condition Ratios (%)
Loss allowance to loans0.9414%6,020
Loan loss allowance to noncurrent loans87.9845%3,776
Noncurrent assets plus other real estate owned to assets0.6072%4,726
Noncurrent loans to loans1.0699%3,788
Net loans and leases to total assets54.3251%4,540
Net loans and leases to deposits71.7166%3,491
Net loans and leases to core deposits77.1432%3,410
Total domestic deposits to total assets75.7497%6,276
Equity capital to assets13.1349%1,292
Core capital (leverage) ratio12.1025%1,563
Tier 1 risk-based capital ratio17.9710%2,322
Total risk-based capital ratio18.7680%2,479
Memoranda:
Average total assets$85,689,6705,167
Average earning assets$82,446,6705,040
Average equity$11,863,0004,561
Average total loans$47,058,3305,133
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8454%4,665
Cost of funding earning assets0.3491%5,540
Net interest margin3.4962%3,718
Noninterest income to average assets0.4872%3,868
Noninterest expense to average assets2.6347%4,297
Loan and lease loss provision to assets0.0710%3,449
Net operating income to assets1.1447%1,699
Return on assets (ROA)1.1447%1,810
Pretax return on assets1.1447%2,791
Return on Equity (ROE)8.0539%2,946
Retained earnings to average equity (ytd only)4.6260%3,456
Net charge-offs to loans0.0086%3,980
Credit loss provision to net charge-offs1,500.0000%205
Earnings coverage of net charge-offs (x)257.0000%149
Efficiency ratio68.4275%4,234
Assets per employee ($millions)4.9678%2,258
Cash dividends to net income (ytd only)*42.5620%1,772
Condition Ratios (%)
Loss allowance to loans0.9885%6,021
Loan loss allowance to noncurrent loans89.7704%3,636
Noncurrent assets plus other real estate owned to assets0.6998%4,627
Noncurrent loans to loans1.1011%3,941
Net loans and leases to total assets51.0011%4,839
Net loans and leases to deposits59.7161%4,827
Net loans and leases to core deposits65.9148%4,543
Total domestic deposits to total assets85.4061%3,841
Equity capital to assets14.2612%950
Core capital (leverage) ratio12.0756%1,527
Tier 1 risk-based capital ratio19.2531%1,965
Total risk-based capital ratio20.0703%2,068
Memoranda:
Average total assets$84,564,0005,247
Average earning assets$81,345,0005,106
Average equity$12,019,0004,572
Average total loans$46,473,5005,199
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2171%4,522
Cost of funding earning assets0.4571%5,524
Net interest margin3.7599%3,394
Noninterest income to average assets0.2240%5,836
Noninterest expense to average assets2.6006%4,742
Loan and lease loss provision to assets0.0952%4,475
Net operating income to assets1.0937%1,959
Return on assets (ROA)1.0937%2,142
Pretax return on assets1.0949%3,175
Return on Equity (ROE)7.8172%3,177
Retained earnings to average equity (ytd only)5.4066%2,442
Net charge-offs to loans0.5952%1,948
Credit loss provision to net charge-offs28.6232%5,139
Earnings coverage of net charge-offs (x)3.5797%3,674
Efficiency ratio68.6050%4,034
Assets per employee ($millions)5.2922%1,912
Cash dividends to net income (ytd only)*30.8370%3,340
Condition Ratios (%)
Loss allowance to loans0.8413%6,409
Loan loss allowance to noncurrent loans70.7483%4,232
Noncurrent assets plus other real estate owned to assets0.8267%4,409
Noncurrent loans to loans1.1892%3,868
Net loans and leases to total assets57.9026%3,996
Net loans and leases to deposits69.7803%3,738
Net loans and leases to core deposits79.8141%3,037
Total domestic deposits to total assets82.9784%4,736
Equity capital to assets14.1647%981
Core capital (leverage) ratio12.1681%1,467
Tier 1 risk-based capital ratio17.5967%2,417
Total risk-based capital ratio18.3295%2,578
Memoranda:
Average total assets$83,018,4005,273
Average earning assets$78,751,2005,168
Average equity$11,615,4004,647
Average total loans$46,373,4005,231
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2164%4,761
Cost of funding earning assets0.4827%5,550
Net interest margin3.7337%3,642
Noninterest income to average assets0.2760%5,570
Noninterest expense to average assets2.6455%4,587
Loan and lease loss provision to assets0.0807%4,625
Net operating income to assets1.0814%2,163
Return on assets (ROA)1.0814%2,361
Pretax return on assets1.0830%3,412
Return on Equity (ROE)7.7539%3,393
Retained earnings to average equity (ytd only)4.5135%3,723
Net charge-offs to loans0.8069%1,358
Credit loss provision to net charge-offs18.1159%4,984
Earnings coverage of net charge-offs (x)2.6123%3,993
Efficiency ratio69.4492%3,797
Assets per employee ($millions)4.6097%2,732
Cash dividends to net income (ytd only)*41.7906%2,065
Condition Ratios (%)
Loss allowance to loans0.8440%6,523
Loan loss allowance to noncurrent loans73.6641%4,081
Noncurrent assets plus other real estate owned to assets1.8114%2,900
Noncurrent loans to loans1.1457%4,143
Net loans and leases to total assets54.6538%4,647
Net loans and leases to deposits67.1161%4,321
Net loans and leases to core deposits76.6885%3,646
Total domestic deposits to total assets81.4318%5,220
Equity capital to assets14.2959%1,039
Core capital (leverage) ratio12.1635%1,553
Tier 1 risk-based capital ratio17.8432%2,412
Total risk-based capital ratio18.5494%2,568
Memoranda:
Average total assets$82,604,2505,334
Average earning assets$78,169,0005,240
Average equity$11,520,7504,715
Average total loans$45,605,5005,317
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2392%4,812
Cost of funding earning assets0.5049%5,586
Net interest margin3.7343%3,662
Noninterest income to average assets0.3298%5,187
Noninterest expense to average assets2.6915%4,462
Loan and lease loss provision to assets0.0291%5,307
Net operating income to assets1.1397%1,914
Return on assets (ROA)1.1397%2,134
Pretax return on assets1.1421%3,145
Return on Equity (ROE)8.2406%3,149
Retained earnings to average equity (ytd only)4.6463%3,514
Net charge-offs to loans1.1764%920
Credit loss provision to net charge-offs4.4776%4,791
Earnings coverage of net charge-offs (x)1.8022%4,074
Efficiency ratio69.6798%3,817
Assets per employee ($millions)4.5162%2,875
Cash dividends to net income (ytd only)*43.6170%2,009
Condition Ratios (%)
Loss allowance to loans0.8069%6,653
Loan loss allowance to noncurrent loans72.0648%4,109
Noncurrent assets plus other real estate owned to assets2.0236%2,750
Noncurrent loans to loans1.1197%4,280
Net loans and leases to total assets53.8338%4,830
Net loans and leases to deposits63.0967%4,868
Net loans and leases to core deposits71.8293%4,315
Total domestic deposits to total assets85.3194%3,701
Equity capital to assets14.3275%969
Core capital (leverage) ratio12.1097%1,544
Tier 1 risk-based capital ratio17.9117%2,322
Total risk-based capital ratio18.5741%2,504
Memoranda:
Average total assets$82,480,6705,371
Average earning assets$78,033,3305,270
Average equity$11,407,0004,733
Average total loans$45,562,3305,357
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2624%4,881
Cost of funding earning assets0.5188%5,691
Net interest margin3.7436%3,620
Noninterest income to average assets0.3996%4,675
Noninterest expense to average assets2.6530%4,608
Loan and lease loss provision to assets0.0289%5,003
Net operating income to assets1.2615%1,566
Return on assets (ROA)1.2615%1,738
Pretax return on assets1.2615%2,688
Return on Equity (ROE)9.2850%2,692
Retained earnings to average equity (ytd only)4.0046%4,184
Net charge-offs to loans0.2679%2,595
Credit loss provision to net charge-offs19.3548%3,789
Earnings coverage of net charge-offs (x)8.6452%1,934
Efficiency ratio67.2772%4,304
Assets per employee ($millions)4.3083%3,380
Cash dividends to net income (ytd only)*56.8702%1,273
Condition Ratios (%)
Loss allowance to loans1.3318%4,874
Loan loss allowance to noncurrent loans105.3763%2,932
Noncurrent assets plus other real estate owned to assets2.1818%2,707
Noncurrent loans to loans1.2638%4,220
Net loans and leases to total assets53.2190%4,850
Net loans and leases to deposits61.9969%4,919
Net loans and leases to core deposits71.0669%4,284
Total domestic deposits to total assets85.8413%3,620
Equity capital to assets13.7885%1,095
Core capital (leverage) ratio11.9158%1,638
Tier 1 risk-based capital ratio17.5505%2,459
Total risk-based capital ratio18.6397%2,488
Memoranda:
Average total assets$83,075,5005,386
Average earning assets$78,641,5005,279
Average equity$11,287,0004,770
Average total loans$46,284,5005,369
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6404%4,501
Cost of funding earning assets0.6967%5,563
Net interest margin3.9438%3,141
Noninterest income to average assets0.1647%6,315
Noninterest expense to average assets2.7609%4,505
Loan and lease loss provision to assets0.1437%4,815
Net operating income to assets0.9810%2,278
Return on assets (ROA)0.9810%2,414
Pretax return on assets0.9835%3,303
Return on Equity (ROE)7.4252%3,187
Retained earnings to average equity (ytd only)2.1657%4,675
Net charge-offs to loans0.4123%3,360
Credit loss provision to net charge-offs59.4872%5,182
Earnings coverage of net charge-offs (x)4.6667%3,022
Efficiency ratio71.0099%3,781
Assets per employee ($millions)4.4365%3,013
Cash dividends to net income (ytd only)*70.8333%1,107
Condition Ratios (%)
Loss allowance to loans1.2661%5,090
Loan loss allowance to noncurrent loans118.1118%2,638
Noncurrent assets plus other real estate owned to assets2.1081%2,841
Noncurrent loans to loans1.0719%4,564
Net loans and leases to total assets56.7117%4,593
Net loans and leases to deposits69.3767%4,224
Net loans and leases to core deposits79.8077%3,467
Total domestic deposits to total assets81.7446%5,214
Equity capital to assets13.3902%1,326
Core capital (leverage) ratio11.7384%1,745
Tier 1 risk-based capital ratio16.2653%2,924
Total risk-based capital ratio17.3303%2,961
Memoranda:
Average total assets$80,735,8005,439
Average earning assets$76,221,8005,336
Average equity$10,666,4004,871
Average total loans$47,294,2005,370
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7150%4,385
Cost of funding earning assets0.7307%5,590
Net interest margin3.9843%2,981
Noninterest income to average assets0.1052%6,725
Noninterest expense to average assets2.8437%4,175
Loan and lease loss provision to assets0.1937%4,083
Net operating income to assets0.8266%3,038
Return on assets (ROA)0.8266%3,200
Pretax return on assets0.8282%4,025
Return on Equity (ROE)6.2788%3,889
Retained earnings to average equity (ytd only)2.3212%4,958
Net charge-offs to loans0.6211%2,390
Credit loss provision to net charge-offs52.9680%4,971
Earnings coverage of net charge-offs (x)2.7945%3,736
Efficiency ratio73.5637%3,267
Assets per employee ($millions)4.1651%3,511
Cash dividends to net income (ytd only)*63.0307%1,097
Condition Ratios (%)
Loss allowance to loans1.2997%5,017
Loan loss allowance to noncurrent loans133.1828%2,271
Noncurrent assets plus other real estate owned to assets2.1924%2,906
Noncurrent loans to loans0.9759%4,937
Net loans and leases to total assets56.6165%4,741
Net loans and leases to deposits66.3812%4,847
Net loans and leases to core deposits77.8482%3,930
Total domestic deposits to total assets85.2899%3,623
Equity capital to assets14.3411%1,043
Core capital (leverage) ratio11.9682%1,725
Tier 1 risk-based capital ratio17.1855%2,574
Total risk-based capital ratio18.2741%2,597
Memoranda:
Average total assets$79,846,5005,510
Average earning assets$75,360,0005,405
Average equity$10,511,2504,919
Average total loans$47,013,5005,422
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7501%4,304
Cost of funding earning assets0.7410%5,728
Net interest margin4.0091%2,793
Noninterest income to average assets-0.0599%7,261
Noninterest expense to average assets2.9095%3,987
Loan and lease loss provision to assets0.2897%3,071
Net operating income to assets0.5220%4,406
Return on assets (ROA)0.5220%4,549
Pretax return on assets0.5245%4,984
Return on Equity (ROE)4.0852%4,894
Retained earnings to average equity (ytd only)-1.0360%6,058
Net charge-offs to loans1.0220%1,544
Credit loss provision to net charge-offs47.7366%4,642
Earnings coverage of net charge-offs (x)1.3416%4,283
Efficiency ratio78.1355%2,688
Assets per employee ($millions)4.4480%2,933
Cash dividends to net income (ytd only)*125.3589%276
Condition Ratios (%)
Loss allowance to loans1.2202%5,463
Loan loss allowance to noncurrent loans104.6125%2,749
Noncurrent assets plus other real estate owned to assets2.2619%2,900
Noncurrent loans to loans1.1664%4,705
Net loans and leases to total assets57.3304%4,755
Net loans and leases to deposits66.7108%4,897
Net loans and leases to core deposits75.6581%4,362
Total domestic deposits to total assets85.9387%3,362
Equity capital to assets13.2207%1,423
Core capital (leverage) ratio11.4057%1,972
Tier 1 risk-based capital ratio16.2543%2,856
Total risk-based capital ratio17.2695%2,932
Memoranda:
Average total assets$80,083,3305,545
Average earning assets$75,577,3305,449
Average equity$10,232,0004,988
Average total loans$47,553,3305,456
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7190%4,435
Cost of funding earning assets0.7362%5,942
Net interest margin3.9828%2,757
Noninterest income to average assets0.5094%3,805
Noninterest expense to average assets2.9116%4,015
Loan and lease loss provision to assets0.4295%2,042
Net operating income to assets0.9189%2,480
Return on assets (ROA)0.9189%2,535
Pretax return on assets0.9239%3,415
Return on Equity (ROE)7.3194%3,239
Retained earnings to average equity (ytd only)7.3194%2,017
Net charge-offs to loans1.9877%641
Credit loss provision to net charge-offs35.9833%4,023
Earnings coverage of net charge-offs (x)1.1339%3,815
Efficiency ratio68.2670%4,606
Assets per employee ($millions)4.0124%3,814
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1684%5,776
Loan loss allowance to noncurrent loans66.4207%4,099
Noncurrent assets plus other real estate owned to assets2.9259%2,362
Noncurrent loans to loans1.7591%3,876
Net loans and leases to total assets56.9210%4,815
Net loans and leases to deposits65.8184%4,999
Net loans and leases to core deposits75.7801%4,326
Total domestic deposits to total assets86.4819%3,246
Equity capital to assets12.6732%1,537
Core capital (leverage) ratio11.8578%1,644
Tier 1 risk-based capital ratio16.7620%2,565
Total risk-based capital ratio17.7338%2,644
Memoranda:
Average total assets$80,093,0005,589
Average earning assets$75,524,0005,492
Average equity$10,055,5005,036
Average total loans$48,096,0005,480
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0630%4,268
Cost of funding earning assets0.9093%6,135
Net interest margin4.1537%2,353
Noninterest income to average assets0.4118%4,810
Noninterest expense to average assets2.8106%4,562
Loan and lease loss provision to assets0.5606%2,883
Net operating income to assets0.9711%2,129
Return on assets (ROA)1.1738%1,554
Pretax return on assets1.1750%2,313
Return on Equity (ROE)8.0096%2,695
Retained earnings to average equity (ytd only)-12.9642%6,794
Net charge-offs to loans0.6983%2,913
Credit loss provision to net charge-offs127.0349%3,183
Earnings coverage of net charge-offs (x)3.4738%3,340
Efficiency ratio64.7076%5,221
Assets per employee ($millions)3.9969%3,793
Cash dividends to net income (ytd only)*261.8579%86
Condition Ratios (%)
Loss allowance to loans1.3867%4,579
Loan loss allowance to noncurrent loans60.0000%4,430
Noncurrent assets plus other real estate owned to assets3.4139%2,047
Noncurrent loans to loans2.3112%3,209
Net loans and leases to total assets61.6490%4,362
Net loans and leases to deposits73.7188%4,241
Net loans and leases to core deposits85.3691%3,420
Total domestic deposits to total assets83.6273%4,540
Equity capital to assets12.4359%1,677
Core capital (leverage) ratio11.7611%1,700
Tier 1 risk-based capital ratio15.7095%2,890
Total risk-based capital ratio16.9018%2,883
Memoranda:
Average total assets$77,954,2005,647
Average earning assets$73,789,8005,545
Average equity$11,423,8004,757
Average total loans$49,262,4005,515
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1095%4,269
Cost of funding earning assets0.9442%6,205
Net interest margin4.1653%2,348
Noninterest income to average assets0.4510%4,555
Noninterest expense to average assets2.8023%4,481
Loan and lease loss provision to assets0.6076%2,504
Net operating income to assets0.9880%2,282
Return on assets (ROA)1.2600%1,522
Pretax return on assets1.2617%2,295
Return on Equity (ROE)8.2749%2,804
Retained earnings to average equity (ytd only)4.6461%3,231
Net charge-offs to loans0.9398%2,114
Credit loss provision to net charge-offs102.0231%4,221
Earnings coverage of net charge-offs (x)2.6821%3,807
Efficiency ratio63.6933%5,299
Assets per employee ($millions)3.8798%4,078
Cash dividends to net income (ytd only)*43.8523%1,905
Condition Ratios (%)
Loss allowance to loans1.2685%5,121
Loan loss allowance to noncurrent loans59.7250%4,340
Noncurrent assets plus other real estate owned to assets3.3984%2,094
Noncurrent loans to loans2.1239%3,547
Net loans and leases to total assets60.9864%4,720
Net loans and leases to deposits73.2758%4,641
Net loans and leases to core deposits85.7161%3,699
Total domestic deposits to total assets83.2285%4,491
Equity capital to assets16.1155%653
Core capital (leverage) ratio14.2453%873
Tier 1 risk-based capital ratio19.7665%1,591
Total risk-based capital ratio20.8568%1,597
Memoranda:
Average total assets$77,458,2505,735
Average earning assets$73,429,7505,621
Average equity$11,794,5004,740
Average total loans$49,084,5005,602
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1197%4,347
Cost of funding earning assets0.9674%6,300
Net interest margin4.1523%2,328
Noninterest income to average assets0.4315%4,668
Noninterest expense to average assets2.8006%4,476
Loan and lease loss provision to assets0.2325%4,591
Net operating income to assets1.3435%1,204
Return on assets (ROA)1.3435%1,273
Pretax return on assets1.3460%1,960
Return on Equity (ROE)8.9984%2,468
Retained earnings to average equity (ytd only)5.6586%2,521
Net charge-offs to loans0.1375%4,845
Credit loss provision to net charge-offs264.7059%1,431
Earnings coverage of net charge-offs (x)17.9706%1,311
Efficiency ratio63.9528%5,342
Assets per employee ($millions)3.8556%4,083
Cash dividends to net income (ytd only)*37.1154%2,216
Condition Ratios (%)
Loss allowance to loans1.3451%4,705
Loan loss allowance to noncurrent loans37.6073%5,855
Noncurrent assets plus other real estate owned to assets3.2213%2,193
Noncurrent loans to loans3.5767%2,204
Net loans and leases to total assets62.4896%4,584
Net loans and leases to deposits75.0646%4,506
Net loans and leases to core deposits85.2535%3,946
Total domestic deposits to total assets83.2477%4,467
Equity capital to assets15.5773%754
Core capital (leverage) ratio14.1132%903
Tier 1 risk-based capital ratio19.3576%1,639
Total risk-based capital ratio20.5203%1,623
Memoranda:
Average total assets$77,412,3305,769
Average earning assets$73,598,3305,656
Average equity$11,557,6704,791
Average total loans$49,469,0005,630
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0947%4,552
Cost of funding earning assets0.9994%6,379
Net interest margin4.0953%2,462
Noninterest income to average assets0.5209%3,887
Noninterest expense to average assets2.7900%4,518
Loan and lease loss provision to assets0.2321%4,185
Net operating income to assets1.3821%1,118
Return on assets (ROA)1.3821%1,195
Pretax return on assets1.3873%1,812
Return on Equity (ROE)9.4612%2,312
Retained earnings to average equity (ytd only)6.8488%2,193
Net charge-offs to loans0.1848%3,811
Credit loss provision to net charge-offs195.6522%1,895
Earnings coverage of net charge-offs (x)13.6522%1,484
Efficiency ratio63.2749%5,617
Assets per employee ($millions)3.8912%4,119
Cash dividends to net income (ytd only)*27.6119%2,077
Condition Ratios (%)
Loss allowance to loans1.2725%5,078
Loan loss allowance to noncurrent loans46.5620%5,239
Noncurrent assets plus other real estate owned to assets2.7139%2,682
Noncurrent loans to loans2.7330%2,917
Net loans and leases to total assets62.1076%4,733
Net loans and leases to deposits74.0354%4,731
Net loans and leases to core deposits82.2217%4,454
Total domestic deposits to total assets83.8891%4,196
Equity capital to assets14.5407%988
Core capital (leverage) ratio14.0874%939
Tier 1 risk-based capital ratio18.8127%1,764
Total risk-based capital ratio19.8973%1,765
Memoranda:
Average total assets$77,562,5005,834
Average earning assets$73,645,5005,718
Average equity$11,330,5004,892
Average total loans$49,781,5005,679
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5185%4,045
Cost of funding earning assets1.3919%5,964
Net interest margin4.1266%2,342
Noninterest income to average assets0.4241%5,012
Noninterest expense to average assets2.9886%4,192
Loan and lease loss provision to assets0.1120%6,523
Net operating income to assets1.2282%1,180
Return on assets (ROA)1.2282%1,233
Pretax return on assets1.2376%1,854
Return on Equity (ROE)8.4358%2,222
Retained earnings to average equity (ytd only)6.6497%1,094
Net charge-offs to loans0.0360%6,765
Credit loss provision to net charge-offs466.6667%663
Earnings coverage of net charge-offs (x)56.2222%471
Efficiency ratio68.8903%4,848
Assets per employee ($millions)3.8651%4,107
Cash dividends to net income (ytd only)*21.1726%3,625
Condition Ratios (%)
Loss allowance to loans1.1876%5,431
Loan loss allowance to noncurrent loans760.7595%450
Noncurrent assets plus other real estate owned to assets1.1035%4,884
Noncurrent loans to loans0.1561%7,035
Net loans and leases to total assets64.6878%4,447
Net loans and leases to deposits78.5045%4,274
Net loans and leases to core deposits94.7208%4,600
Total domestic deposits to total assets82.4002%4,772
Equity capital to assets14.6762%983
Core capital (leverage) ratio14.0028%980
Tier 1 risk-based capital ratio18.1154%1,857
Total risk-based capital ratio19.1413%1,882
Memoranda:
Average total assets$74,985,0005,872
Average earning assets$71,124,2005,777
Average equity$10,917,8005,045
Average total loans$50,063,0005,667
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5356%4,240
Cost of funding earning assets1.4793%5,917
Net interest margin4.0563%2,565
Noninterest income to average assets0.3889%5,396
Noninterest expense to average assets3.0176%3,975
Loan and lease loss provision to assets0.1129%6,239
Net operating income to assets1.0949%1,747
Return on assets (ROA)1.0949%1,806
Pretax return on assets1.1056%2,543
Return on Equity (ROE)7.5354%2,851
Retained earnings to average equity (ytd only)6.7091%1,628
Net charge-offs to loans0.0454%6,272
Credit loss provision to net charge-offs370.5882%1,092
Earnings coverage of net charge-offs (x)39.9929%750
Efficiency ratio71.2352%4,381
Assets per employee ($millions)3.6222%4,629
Cash dividends to net income (ytd only)*10.9654%3,488
Condition Ratios (%)
Loss allowance to loans1.1642%5,326
Loan loss allowance to noncurrent loans717.2840%480
Noncurrent assets plus other real estate owned to assets1.1319%4,813
Noncurrent loans to loans0.1623%7,077
Net loans and leases to total assets64.8463%4,685
Net loans and leases to deposits78.8976%4,579
Net loans and leases to core deposits95.6820%4,842
Total domestic deposits to total assets82.1905%4,593
Equity capital to assets14.6859%1,096
Core capital (leverage) ratio13.8979%1,116
Tier 1 risk-based capital ratio17.9085%2,015
Total risk-based capital ratio18.9062%2,034
Memoranda:
Average total assets$74,405,7505,923
Average earning assets$70,571,2505,827
Average equity$10,811,0005,109
Average total loans$49,927,2505,726
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5759%4,186
Cost of funding earning assets1.5829%5,801
Net interest margin3.9930%2,726
Noninterest income to average assets0.3250%5,914
Noninterest expense to average assets3.1143%3,646
Loan and lease loss provision to assets0.1137%6,008
Net operating income to assets0.8585%2,618
Return on assets (ROA)0.8585%2,719
Pretax return on assets0.8747%3,425
Return on Equity (ROE)5.9302%3,687
Retained earnings to average equity (ytd only)5.1819%2,406
Net charge-offs to loans0.0641%5,604
Credit loss provision to net charge-offs262.5000%1,779
Earnings coverage of net charge-offs (x)22.8125%1,206
Efficiency ratio75.9076%3,710
Assets per employee ($millions)3.5183%4,772
Cash dividends to net income (ytd only)*12.6183%3,338
Condition Ratios (%)
Loss allowance to loans1.1464%5,289
Loan loss allowance to noncurrent loans304.3478%1,033
Noncurrent assets plus other real estate owned to assets1.3481%4,260
Noncurrent loans to loans0.3767%6,572
Net loans and leases to total assets65.3579%4,691
Net loans and leases to deposits77.1525%5,007
Net loans and leases to core deposits92.7493%5,269
Total domestic deposits to total assets84.7125%3,394
Equity capital to assets14.5119%1,162
Core capital (leverage) ratio13.8080%1,190
Tier 1 risk-based capital ratio17.6586%2,099
Total risk-based capital ratio18.6317%2,130
Memoranda:
Average total assets$73,852,3305,982
Average earning assets$69,872,6705,892
Average equity$10,691,0005,165
Average total loans$49,934,0005,768
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5870%4,440
Cost of funding earning assets1.6864%5,654
Net interest margin3.9006%3,033
Noninterest income to average assets0.1192%7,427
Noninterest expense to average assets3.0771%3,464
Loan and lease loss provision to assets0.1138%5,510
Net operating income to assets0.5797%4,109
Return on assets (ROA)0.5797%4,304
Pretax return on assets0.6122%4,720
Return on Equity (ROE)4.0092%4,931
Retained earnings to average equity (ytd only)2.5104%4,480
Net charge-offs to loans0.0713%4,478
Credit loss provision to net charge-offs233.3333%1,969
Earnings coverage of net charge-offs (x)14.8889%1,639
Efficiency ratio80.9117%2,686
Assets per employee ($millions)3.5553%4,683
Cash dividends to net income (ytd only)*37.3832%2,132
Condition Ratios (%)
Loss allowance to loans1.1085%5,408
Loan loss allowance to noncurrent loans792.7536%478
Noncurrent assets plus other real estate owned to assets1.2671%4,145
Noncurrent loans to loans0.1398%7,122
Net loans and leases to total assets65.3621%4,733
Net loans and leases to deposits77.7987%4,958
Net loans and leases to core deposits94.5260%5,111
Total domestic deposits to total assets84.0144%3,695
Equity capital to assets14.3181%1,277
Core capital (leverage) ratio13.6088%1,290
Tier 1 risk-based capital ratio17.3798%2,220
Total risk-based capital ratio18.3350%2,248
Memoranda:
Average total assets$73,836,5006,005
Average earning assets$69,733,0005,921
Average equity$10,675,5005,192
Average total loans$50,476,5005,781
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1802%4,617
Cost of funding earning assets2.1449%5,856
Net interest margin4.0353%2,958
Noninterest income to average assets0.6323%3,614
Noninterest expense to average assets3.3902%2,709
Loan and lease loss provision to assets0.2710%4,225
Net operating income to assets0.7749%3,550
Return on assets (ROA)0.7975%3,286
Pretax return on assets0.7989%4,077
Return on Equity (ROE)5.5187%4,150
Retained earnings to average equity (ytd only)2.8424%3,404
Net charge-offs to loans0.4918%2,393
Credit loss provision to net charge-offs78.3673%5,933
Earnings coverage of net charge-offs (x)3.0286%4,569
Efficiency ratio76.3995%3,167
Assets per employee ($millions)3.3187%5,164
Cash dividends to net income (ytd only)*48.4956%3,207
Condition Ratios (%)
Loss allowance to loans1.0367%5,737
Loan loss allowance to noncurrent loans376.7606%1,105
Noncurrent assets plus other real estate owned to assets1.9709%2,496
Noncurrent loans to loans0.2752%6,546
Net loans and leases to total assets69.9488%4,030
Net loans and leases to deposits82.8725%4,595
Net loans and leases to core deposits99.3136%4,891
Total domestic deposits to total assets84.4053%3,126
Equity capital to assets14.6017%1,276
Core capital (leverage) ratio13.2901%1,443
Tier 1 risk-based capital ratio16.7881%2,390
Total risk-based capital ratio17.6966%2,440
Memoranda:
Average total assets$70,850,4006,005
Average earning assets$66,810,6005,939
Average equity$10,238,0005,333
Average total loans$49,817,4005,714