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First Federal Community Bank of Bucyrus, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2993%853
Cost of funding earning assets0.6909%340
Net interest margin3.6084%1,442
Noninterest income to average assets3.0609%177
Noninterest expense to average assets5.1563%169
Loan and lease loss provision to assets0.0226%2,614
Net operating income to assets0.8908%3,078
Return on assets (ROA)0.8747%3,186
Pretax return on assets1.1068%2,950
Return on Equity (ROE)10.6748%2,284
Retained earnings to average equity (ytd only)8.4047%1,388
Net charge-offs to loans-0.0305%4,129
Credit loss provision to net charge-offs-104.0816%3,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3668%728
Assets per employee ($millions)2.7526%4,722
Cash dividends to net income (ytd only)*21.2658%2,966
Condition Ratios (%)
Loss allowance to loans1.2690%2,508
Loan loss allowance to noncurrent loans863.1356%957
Noncurrent assets plus other real estate owned to assets0.1009%3,233
Noncurrent loans to loans0.1470%3,203
Net loans and leases to total assets67.7330%1,300
Net loans and leases to deposits84.3739%887
Net loans and leases to core deposits90.3095%961
Total domestic deposits to total assets80.2772%4,192
Equity capital to assets8.1586%4,268
Core capital (leverage) ratio8.5284%3,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2269%2,552
Memoranda:
Average total assets$225,784,0002,867
Average earning assets$203,055,6002,930
Average equity$18,501,6003,348
Average total loans$160,671,4002,536
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4104%795
Cost of funding earning assets0.7282%337
Net interest margin3.6822%1,376
Noninterest income to average assets3.2055%183
Noninterest expense to average assets5.3323%152
Loan and lease loss provision to assets0.0304%2,385
Net operating income to assets0.9101%3,216
Return on assets (ROA)0.9106%3,288
Pretax return on assets1.1519%3,070
Return on Equity (ROE)11.0995%2,348
Retained earnings to average equity (ytd only)9.6467%1,434
Net charge-offs to loans-0.0365%4,223
Credit loss provision to net charge-offs-115.9091%3,254
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3375%678
Assets per employee ($millions)3.0562%4,745
Cash dividends to net income (ytd only)*13.0890%2,849
Condition Ratios (%)
Loss allowance to loans1.2365%2,817
Loan loss allowance to noncurrent loans274.5946%2,107
Noncurrent assets plus other real estate owned to assets0.3228%2,162
Noncurrent loans to loans0.4503%2,210
Net loans and leases to total assets70.8084%1,012
Net loans and leases to deposits90.5892%573
Net loans and leases to core deposits95.6553%764
Total domestic deposits to total assets78.1644%4,410
Equity capital to assets8.2904%4,359
Core capital (leverage) ratio8.5359%3,985
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$223,736,7502,916
Average earning assets$201,034,2502,979
Average equity$18,354,7503,398
Average total loans$160,710,7502,574
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3149%981
Cost of funding earning assets0.7674%338
Net interest margin3.5475%1,724
Noninterest income to average assets3.2635%167
Noninterest expense to average assets5.4301%149
Loan and lease loss provision to assets0.0460%2,097
Net operating income to assets0.7743%3,587
Return on assets (ROA)0.7679%3,665
Pretax return on assets0.9707%3,499
Return on Equity (ROE)9.3943%2,980
Retained earnings to average equity (ytd only)7.1891%2,360
Net charge-offs to loans-0.0514%4,388
Credit loss provision to net charge-offs-124.3902%3,097
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3287%592
Assets per employee ($millions)2.9604%4,789
Cash dividends to net income (ytd only)*23.4742%2,366
Condition Ratios (%)
Loss allowance to loans1.2492%2,683
Loan loss allowance to noncurrent loans288.4780%1,957
Noncurrent assets plus other real estate owned to assets0.3166%2,333
Noncurrent loans to loans0.4330%2,379
Net loans and leases to total assets72.2065%939
Net loans and leases to deposits92.1088%536
Net loans and leases to core deposits97.8157%731
Total domestic deposits to total assets78.3926%4,399
Equity capital to assets8.2854%4,363
Core capital (leverage) ratio8.2504%4,214
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2547%2,628
Memoranda:
Average total assets$221,910,0002,926
Average earning assets$199,634,3332,982
Average equity$18,138,6673,414
Average total loans$159,502,0002,599
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1472%1,292
Cost of funding earning assets0.7982%351
Net interest margin3.3491%2,253
Noninterest income to average assets3.7124%159
Noninterest expense to average assets5.5299%142
Loan and lease loss provision to assets0.0541%2,027
Net operating income to assets0.9076%3,110
Return on assets (ROA)0.9322%3,116
Pretax return on assets1.1702%2,926
Return on Equity (ROE)11.4825%2,195
Retained earnings to average equity (ytd only)9.2615%1,869
Net charge-offs to loans-0.0582%4,457
Credit loss provision to net charge-offs-130.4348%2,871
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8182%709
Assets per employee ($millions)3.0624%4,811
Cash dividends to net income (ytd only)*19.3424%2,029
Condition Ratios (%)
Loss allowance to loans1.2538%2,645
Loan loss allowance to noncurrent loans472.6841%1,228
Noncurrent assets plus other real estate owned to assets0.1833%3,249
Noncurrent loans to loans0.2652%3,154
Net loans and leases to total assets68.2392%1,497
Net loans and leases to deposits87.3620%865
Net loans and leases to core deposits93.3812%1,018
Total domestic deposits to total assets78.1108%4,425
Equity capital to assets7.8840%4,554
Core capital (leverage) ratio8.4704%4,140
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9951%2,668
Memoranda:
Average total assets$221,850,0002,914
Average earning assets$199,457,5002,979
Average equity$18,010,0003,420
Average total loans$158,079,0002,618
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6657%956
Cost of funding earning assets1.0584%476
Net interest margin3.6073%2,119
Noninterest income to average assets3.7718%144
Noninterest expense to average assets5.3408%165
Loan and lease loss provision to assets0.1792%2,150
Net operating income to assets1.1601%1,686
Return on assets (ROA)1.1452%1,869
Pretax return on assets1.4457%1,526
Return on Equity (ROE)13.8949%839
Retained earnings to average equity (ytd only)11.4920%379
Net charge-offs to loans0.0057%3,145
Credit loss provision to net charge-offs4,022.2222%260
Earnings coverage of net charge-offs (x)368.8889%295
Efficiency ratio75.6008%1,279
Assets per employee ($millions)2.8536%4,846
Cash dividends to net income (ytd only)*17.2936%3,346
Condition Ratios (%)
Loss allowance to loans1.2297%2,794
Loan loss allowance to noncurrent loans249.8065%1,969
Noncurrent assets plus other real estate owned to assets0.3654%2,518
Noncurrent loans to loans0.4923%2,495
Net loans and leases to total assets72.6569%1,206
Net loans and leases to deposits97.2179%496
Net loans and leases to core deposits104.2672%714
Total domestic deposits to total assets74.7361%4,591
Equity capital to assets8.3693%4,542
Core capital (leverage) ratio8.4144%4,290
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$201,975,0002,925
Average earning assets$179,887,6003,001
Average equity$16,646,4003,487
Average total loans$156,914,0002,598
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7339%996
Cost of funding earning assets1.1084%524
Net interest margin3.6255%2,174
Noninterest income to average assets3.4994%152
Noninterest expense to average assets5.1003%181
Loan and lease loss provision to assets0.2428%1,674
Net operating income to assets1.0964%1,994
Return on assets (ROA)1.0715%2,206
Pretax return on assets1.3516%1,871
Return on Equity (ROE)13.0554%1,095
Retained earnings to average equity (ytd only)10.6060%656
Net charge-offs to loans0.0111%2,708
Credit loss provision to net charge-offs2,784.6154%365
Earnings coverage of net charge-offs (x)186.6154%513
Efficiency ratio74.9626%1,304
Assets per employee ($millions)2.8372%4,879
Cash dividends to net income (ytd only)*18.7617%2,843
Condition Ratios (%)
Loss allowance to loans1.1307%3,033
Loan loss allowance to noncurrent loans252.2193%1,850
Noncurrent assets plus other real estate owned to assets0.3769%2,644
Noncurrent loans to loans0.4483%2,707
Net loans and leases to total assets79.3923%669
Net loans and leases to deposits108.9782%248
Net loans and leases to core deposits117.3286%472
Total domestic deposits to total assets72.8515%4,647
Equity capital to assets8.1499%4,659
Core capital (leverage) ratio8.3651%4,410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0921%2,899
Memoranda:
Average total assets$198,963,5002,934
Average earning assets$177,073,0003,011
Average equity$16,330,0003,523
Average total loans$156,783,2502,601
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7849%1,207
Cost of funding earning assets1.1643%578
Net interest margin3.6206%2,416
Noninterest income to average assets3.1376%157
Noninterest expense to average assets4.9003%201
Loan and lease loss provision to assets0.3519%1,199
Net operating income to assets0.8730%2,796
Return on assets (ROA)0.8582%2,960
Pretax return on assets1.0795%2,778
Return on Equity (ROE)10.4298%1,836
Retained earnings to average equity (ytd only)7.9286%1,329
Net charge-offs to loans0.0329%2,073
Credit loss provision to net charge-offs1,368.0000%643
Earnings coverage of net charge-offs (x)56.3600%1,016
Efficiency ratio76.2599%1,240
Assets per employee ($millions)2.9533%4,866
Cash dividends to net income (ytd only)*23.9808%2,595
Condition Ratios (%)
Loss allowance to loans1.1776%2,624
Loan loss allowance to noncurrent loans247.7184%1,818
Noncurrent assets plus other real estate owned to assets0.3884%2,739
Noncurrent loans to loans0.4754%2,723
Net loans and leases to total assets77.1252%979
Net loans and leases to deposits105.8887%318
Net loans and leases to core deposits112.4770%650
Total domestic deposits to total assets72.8361%4,659
Equity capital to assets8.0432%4,697
Core capital (leverage) ratio8.2149%4,623
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2951%2,889
Memoranda:
Average total assets$194,355,0002,951
Average earning assets$172,458,6673,029
Average equity$15,992,6673,552
Average total loans$152,087,6672,641
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0073%949
Cost of funding earning assets1.2578%636
Net interest margin3.7494%2,145
Noninterest income to average assets2.3554%214
Noninterest expense to average assets4.6045%275
Loan and lease loss provision to assets0.2126%1,441
Net operating income to assets0.6747%3,348
Return on assets (ROA)0.6441%3,526
Pretax return on assets0.8078%3,391
Return on Equity (ROE)7.7321%2,627
Retained earnings to average equity (ytd only)4.9250%2,306
Net charge-offs to loans0.0353%1,708
Credit loss provision to net charge-offs769.2308%675
Earnings coverage of net charge-offs (x)38.3077%1,049
Efficiency ratio79.3168%1,211
Assets per employee ($millions)2.7780%4,876
Cash dividends to net income (ytd only)*36.3036%1,972
Condition Ratios (%)
Loss allowance to loans1.1309%3,041
Loan loss allowance to noncurrent loans221.0317%1,915
Noncurrent assets plus other real estate owned to assets0.3919%2,878
Noncurrent loans to loans0.5117%2,737
Net loans and leases to total assets75.1233%1,439
Net loans and leases to deposits101.4839%466
Net loans and leases to core deposits109.8839%852
Total domestic deposits to total assets74.0249%4,661
Equity capital to assets8.3010%4,900
Core capital (leverage) ratio8.5868%4,743
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2383%2,598
Memoranda:
Average total assets$188,165,5002,971
Average earning assets$165,998,0003,052
Average equity$15,675,0003,594
Average total loans$147,459,5002,661
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2170%957
Cost of funding earning assets1.2127%999
Net interest margin4.0043%1,846
Noninterest income to average assets2.1049%241
Noninterest expense to average assets4.6651%266
Loan and lease loss provision to assets0.1325%1,610
Net operating income to assets0.6959%3,880
Return on assets (ROA)0.6872%3,970
Pretax return on assets0.8469%3,887
Return on Equity (ROE)8.1699%3,095
Retained earnings to average equity (ytd only)5.9903%1,875
Net charge-offs to loans0.0303%2,794
Credit loss provision to net charge-offs546.3415%543
Earnings coverage of net charge-offs (x)40.8293%1,303
Efficiency ratio81.9389%804
Assets per employee ($millions)2.5982%4,971
Cash dividends to net income (ytd only)*26.6781%3,224
Condition Ratios (%)
Loss allowance to loans1.0757%3,079
Loan loss allowance to noncurrent loans175.6937%2,314
Noncurrent assets plus other real estate owned to assets0.4987%2,418
Noncurrent loans to loans0.6122%2,356
Net loans and leases to total assets80.0459%784
Net loans and leases to deposits113.0577%136
Net loans and leases to core deposits122.6575%409
Total domestic deposits to total assets70.8009%4,903
Equity capital to assets8.3619%4,965
Core capital (leverage) ratio8.4444%4,870
Tier 1 risk-based capital ratio11.7687%4,487
Total risk-based capital ratio13.0192%4,363
Memoranda:
Average total assets$169,084,8003,117
Average earning assets$149,914,6003,174
Average equity$14,223,0003,720
Average total loans$135,330,2002,773
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2060%1,031
Cost of funding earning assets1.1914%1,056
Net interest margin4.0146%1,888
Noninterest income to average assets2.0182%263
Noninterest expense to average assets4.6367%268
Loan and lease loss provision to assets0.1318%1,462
Net operating income to assets0.6669%4,118
Return on assets (ROA)0.6550%4,199
Pretax return on assets0.8021%4,113
Return on Equity (ROE)7.7746%3,402
Retained earnings to average equity (ytd only)5.5806%2,584
Net charge-offs to loans0.0242%2,622
Credit loss provision to net charge-offs683.3333%490
Earnings coverage of net charge-offs (x)49.1653%1,213
Efficiency ratio82.5874%717
Assets per employee ($millions)2.6522%5,030
Cash dividends to net income (ytd only)*28.2209%2,688
Condition Ratios (%)
Loss allowance to loans1.1105%2,975
Loan loss allowance to noncurrent loans216.2921%1,981
Noncurrent assets plus other real estate owned to assets0.4007%2,904
Noncurrent loans to loans0.5134%2,752
Net loans and leases to total assets77.1727%1,286
Net loans and leases to deposits107.8328%272
Net loans and leases to core deposits114.7952%718
Total domestic deposits to total assets71.5670%4,940
Equity capital to assets8.1432%5,103
Core capital (leverage) ratio8.2439%5,048
Tier 1 risk-based capital ratio11.8309%4,500
Total risk-based capital ratio13.0810%4,386
Memoranda:
Average total assets$165,888,0003,181
Average earning assets$147,390,2503,232
Average equity$13,976,7503,787
Average total loans$132,371,7502,829
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1571%1,087
Cost of funding earning assets1.1517%1,131
Net interest margin4.0053%1,904
Noninterest income to average assets1.6153%352
Noninterest expense to average assets4.4124%333
Loan and lease loss provision to assets0.1161%1,614
Net operating income to assets0.5445%4,437
Return on assets (ROA)0.5261%4,499
Pretax return on assets0.6335%4,483
Return on Equity (ROE)6.1684%3,997
Retained earnings to average equity (ytd only)3.8516%3,320
Net charge-offs to loans-0.0092%4,301
Credit loss provision to net charge-offs-1,566.6667%4,345
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7546%606
Assets per employee ($millions)2.4834%5,131
Cash dividends to net income (ytd only)*37.5587%2,304
Condition Ratios (%)
Loss allowance to loans1.0890%3,129
Loan loss allowance to noncurrent loans284.0909%1,657
Noncurrent assets plus other real estate owned to assets0.3127%3,288
Noncurrent loans to loans0.3833%3,153
Net loans and leases to total assets80.6747%779
Net loans and leases to deposits114.5889%132
Net loans and leases to core deposits120.2349%540
Total domestic deposits to total assets70.4036%5,034
Equity capital to assets8.3477%5,097
Core capital (leverage) ratio8.4503%4,981
Tier 1 risk-based capital ratio11.8704%4,489
Total risk-based capital ratio13.1203%4,369
Memoranda:
Average total assets$161,952,3303,239
Average earning assets$144,307,0003,280
Average equity$13,812,3303,815
Average total loans$130,271,6702,865
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0560%1,202
Cost of funding earning assets1.1084%1,158
Net interest margin3.9476%2,030
Noninterest income to average assets1.3603%460
Noninterest expense to average assets4.3106%363
Loan and lease loss provision to assets0.1010%1,744
Net operating income to assets0.3861%4,758
Return on assets (ROA)0.3861%4,770
Pretax return on assets0.4543%4,768
Return on Equity (ROE)4.4770%4,476
Retained earnings to average equity (ytd only)2.4287%3,946
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.8112%494
Assets per employee ($millions)2.6322%5,135
Cash dividends to net income (ytd only)*45.7516%1,749
Condition Ratios (%)
Loss allowance to loans1.1227%2,999
Loan loss allowance to noncurrent loans274.8092%1,692
Noncurrent assets plus other real estate owned to assets0.3211%3,313
Noncurrent loans to loans0.4085%3,122
Net loans and leases to total assets77.7113%1,205
Net loans and leases to deposits110.9361%198
Net loans and leases to core deposits114.7089%700
Total domestic deposits to total assets70.0506%5,110
Equity capital to assets8.4316%5,025
Core capital (leverage) ratio8.8882%4,731
Tier 1 risk-based capital ratio12.3962%4,235
Total risk-based capital ratio13.6567%4,090
Memoranda:
Average total assets$158,492,5003,309
Average earning assets$140,744,0003,357
Average equity$13,670,0003,848
Average total loans$126,539,0002,943
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8996%1,290
Cost of funding earning assets0.7437%1,831
Net interest margin4.1559%1,514
Noninterest income to average assets1.9111%289
Noninterest expense to average assets4.7384%250
Loan and lease loss provision to assets0.0926%2,300
Net operating income to assets0.6627%4,248
Return on assets (ROA)0.6627%4,255
Pretax return on assets0.7949%4,182
Return on Equity (ROE)7.4837%3,665
Retained earnings to average equity (ytd only)4.7569%2,914
Net charge-offs to loans0.0412%2,589
Credit loss provision to net charge-offs287.5000%1,057
Earnings coverage of net charge-offs (x)27.5625%1,686
Efficiency ratio83.4267%688
Assets per employee ($millions)2.1970%5,284
Cash dividends to net income (ytd only)*36.4372%2,723
Condition Ratios (%)
Loss allowance to loans1.1216%2,973
Loan loss allowance to noncurrent loans259.7403%1,827
Noncurrent assets plus other real estate owned to assets0.3505%3,149
Noncurrent loans to loans0.4318%2,990
Net loans and leases to total assets80.2503%899
Net loans and leases to deposits118.5767%110
Net loans and leases to core deposits123.3664%459
Total domestic deposits to total assets67.6780%5,216
Equity capital to assets8.8302%4,706
Core capital (leverage) ratio9.1491%4,508
Tier 1 risk-based capital ratio12.4726%4,154
Total risk-based capital ratio13.7277%4,020
Memoranda:
Average total assets$149,079,4003,397
Average earning assets$133,256,0003,448
Average equity$13,202,0003,854
Average total loans$116,537,6003,034
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8191%1,377
Cost of funding earning assets0.6919%1,891
Net interest margin4.1272%1,552
Noninterest income to average assets1.9652%285
Noninterest expense to average assets4.8265%230
Loan and lease loss provision to assets0.0802%2,353
Net operating income to assets0.6328%4,413
Return on assets (ROA)0.6328%4,429
Pretax return on assets0.7581%4,407
Return on Equity (ROE)7.1408%3,885
Retained earnings to average equity (ytd only)4.5469%3,477
Net charge-offs to loans0.0571%1,999
Credit loss provision to net charge-offs181.6327%1,489
Earnings coverage of net charge-offs (x)18.9801%2,031
Efficiency ratio84.4208%622
Assets per employee ($millions)2.2822%5,341
Cash dividends to net income (ytd only)*36.3245%2,238
Condition Ratios (%)
Loss allowance to loans1.1159%3,098
Loan loss allowance to noncurrent loans219.5122%2,100
Noncurrent assets plus other real estate owned to assets0.4517%2,884
Noncurrent loans to loans0.5083%2,861
Net loans and leases to total assets80.6467%922
Net loans and leases to deposits118.0430%127
Net loans and leases to core deposits122.9161%493
Total domestic deposits to total assets68.3198%5,277
Equity capital to assets8.9819%4,562
Core capital (leverage) ratio9.0540%4,655
Tier 1 risk-based capital ratio12.7949%4,026
Total risk-based capital ratio14.0600%3,915
Memoranda:
Average total assets$147,901,7503,446
Average earning assets$132,581,5003,496
Average equity$13,107,5003,900
Average total loans$114,467,7503,092
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6688%1,582
Cost of funding earning assets0.6272%2,058
Net interest margin4.0417%1,721
Noninterest income to average assets1.8111%316
Noninterest expense to average assets4.7646%245
Loan and lease loss provision to assets0.0569%2,773
Net operating income to assets0.5022%4,747
Return on assets (ROA)0.5022%4,751
Pretax return on assets0.6010%4,738
Return on Equity (ROE)5.6922%4,348
Retained earnings to average equity (ytd only)3.0072%4,050
Net charge-offs to loans0.1104%1,269
Credit loss provision to net charge-offs67.7419%2,373
Earnings coverage of net charge-offs (x)7.8387%2,522
Efficiency ratio87.1692%512
Assets per employee ($millions)2.4864%5,335
Cash dividends to net income (ytd only)*47.1698%1,804
Condition Ratios (%)
Loss allowance to loans1.1012%3,251
Loan loss allowance to noncurrent loans189.4273%2,362
Noncurrent assets plus other real estate owned to assets0.4872%2,805
Noncurrent loans to loans0.5813%2,677
Net loans and leases to total assets75.1581%1,767
Net loans and leases to deposits107.0409%390
Net loans and leases to core deposits111.3065%916
Total domestic deposits to total assets70.2144%5,269
Equity capital to assets8.5057%4,935
Core capital (leverage) ratio9.2016%4,462
Tier 1 risk-based capital ratio12.7818%4,015
Total risk-based capital ratio14.0357%3,919
Memoranda:
Average total assets$147,755,0003,468
Average earning assets$132,024,6703,528
Average equity$13,035,3303,930
Average total loans$112,296,0003,137
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6304%1,486
Cost of funding earning assets0.6048%2,029
Net interest margin4.0256%1,636
Noninterest income to average assets1.8180%305
Noninterest expense to average assets4.8203%242
Loan and lease loss provision to assets0.0692%2,381
Net operating income to assets0.4455%4,829
Return on assets (ROA)0.4455%4,828
Pretax return on assets0.5202%4,844
Return on Equity (ROE)4.9550%4,507
Retained earnings to average equity (ytd only)1.5696%4,468
Net charge-offs to loans0.1274%1,033
Credit loss provision to net charge-offs71.4286%1,815
Earnings coverage of net charge-offs (x)6.0857%2,183
Efficiency ratio88.4399%512
Assets per employee ($millions)2.4022%5,416
Cash dividends to net income (ytd only)*68.3230%1,058
Condition Ratios (%)
Loss allowance to loans1.1788%2,944
Loan loss allowance to noncurrent loans151.5152%2,732
Noncurrent assets plus other real estate owned to assets0.8437%1,874
Noncurrent loans to loans0.7780%2,258
Net loans and leases to total assets75.6142%1,603
Net loans and leases to deposits99.8772%716
Net loans and leases to core deposits102.2882%1,504
Total domestic deposits to total assets75.7072%4,997
Equity capital to assets9.0056%4,547
Core capital (leverage) ratio9.1851%4,453
Tier 1 risk-based capital ratio13.4652%3,677
Total risk-based capital ratio14.7342%3,578
Memoranda:
Average total assets$144,555,0003,540
Average earning assets$128,974,0003,604
Average equity$12,997,0003,968
Average total loans$109,869,0003,192
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6404%1,335
Cost of funding earning assets0.5955%1,624
Net interest margin4.0449%1,602
Noninterest income to average assets2.7641%192
Noninterest expense to average assets5.3684%181
Loan and lease loss provision to assets0.4075%361
Net operating income to assets0.4576%4,499
Return on assets (ROA)0.4576%4,532
Pretax return on assets0.6398%4,648
Return on Equity (ROE)5.2569%4,066
Retained earnings to average equity (ytd only)3.4034%3,247
Net charge-offs to loans0.3886%647
Credit loss provision to net charge-offs137.5587%1,925
Earnings coverage of net charge-offs (x)3.5352%3,592
Efficiency ratio83.2647%832
Assets per employee ($millions)2.2304%5,528
Cash dividends to net income (ytd only)*35.2584%3,071
Condition Ratios (%)
Loss allowance to loans1.1969%2,805
Loan loss allowance to noncurrent loans125.9615%3,127
Noncurrent assets plus other real estate owned to assets0.8974%1,728
Noncurrent loans to loans0.9502%1,869
Net loans and leases to total assets74.5932%1,822
Net loans and leases to deposits103.3338%527
Net loans and leases to core deposits105.9260%1,267
Total domestic deposits to total assets72.1866%5,310
Equity capital to assets8.8035%4,897
Core capital (leverage) ratio8.8715%4,788
Tier 1 risk-based capital ratio13.1286%3,830
Total risk-based capital ratio14.3896%3,743
Memoranda:
Average total assets$143,805,8003,555
Average earning assets$129,817,2003,590
Average equity$12,517,0004,053
Average total loans$109,630,8003,191
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6360%1,282
Cost of funding earning assets0.5914%1,594
Net interest margin4.0446%1,559
Noninterest income to average assets2.8169%198
Noninterest expense to average assets5.4303%185
Loan and lease loss provision to assets0.5184%218
Net operating income to assets0.3781%5,049
Return on assets (ROA)0.3781%5,074
Pretax return on assets0.5342%4,963
Return on Equity (ROE)4.3567%4,752
Retained earnings to average equity (ytd only)2.4299%4,434
Net charge-offs to loans0.5750%343
Credit loss provision to net charge-offs117.9704%2,031
Earnings coverage of net charge-offs (x)2.3954%3,468
Efficiency ratio83.3620%809
Assets per employee ($millions)2.2880%5,579
Cash dividends to net income (ytd only)*44.2256%2,058
Condition Ratios (%)
Loss allowance to loans1.1075%3,443
Loan loss allowance to noncurrent loans125.8919%3,134
Noncurrent assets plus other real estate owned to assets0.8575%2,006
Noncurrent loans to loans0.8797%2,174
Net loans and leases to total assets76.5042%1,497
Net loans and leases to deposits107.0744%371
Net loans and leases to core deposits109.3964%1,062
Total domestic deposits to total assets71.4496%5,418
Equity capital to assets8.7891%5,090
Core capital (leverage) ratio8.7744%5,000
Tier 1 risk-based capital ratio12.7572%4,167
Total risk-based capital ratio14.0282%4,053
Memoranda:
Average total assets$143,513,0003,591
Average earning assets$130,080,0003,623
Average equity$12,455,5004,103
Average total loans$109,675,2503,212
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6005%1,249
Cost of funding earning assets0.5777%1,595
Net interest margin4.0227%1,542
Noninterest income to average assets2.5931%217
Noninterest expense to average assets5.4249%185
Loan and lease loss provision to assets0.6587%170
Net operating income to assets0.1214%5,470
Return on assets (ROA)0.1214%5,475
Pretax return on assets0.1731%5,448
Return on Equity (ROE)1.4050%5,425
Retained earnings to average equity (ytd only)-0.4522%5,156
Net charge-offs to loans0.8197%242
Credit loss provision to net charge-offs105.5928%1,945
Earnings coverage of net charge-offs (x)1.3333%3,294
Efficiency ratio86.4377%660
Assets per employee ($millions)2.3110%5,618
Cash dividends to net income (ytd only)*132.1839%222
Condition Ratios (%)
Loss allowance to loans1.0711%3,737
Loan loss allowance to noncurrent loans71.5155%4,140
Noncurrent assets plus other real estate owned to assets1.1537%1,494
Noncurrent loans to loans1.4978%1,256
Net loans and leases to total assets75.7407%1,581
Net loans and leases to deposits108.4569%306
Net loans and leases to core deposits110.8589%961
Total domestic deposits to total assets69.8348%5,540
Equity capital to assets8.6655%5,179
Core capital (leverage) ratio8.6351%5,102
Tier 1 risk-based capital ratio13.0040%3,995
Total risk-based capital ratio14.2611%3,905
Memoranda:
Average total assets$143,302,3303,611
Average earning assets$130,508,0003,637
Average equity$12,384,3304,130
Average total loans$109,063,0003,242
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5064%1,354
Cost of funding earning assets0.5496%1,715
Net interest margin3.9568%1,585
Noninterest income to average assets1.9342%325
Noninterest expense to average assets5.0072%232
Loan and lease loss provision to assets0.2289%681
Net operating income to assets0.2177%5,373
Return on assets (ROA)0.2177%5,383
Pretax return on assets0.3154%5,292
Return on Equity (ROE)2.5225%5,224
Retained earnings to average equity (ytd only)0.7438%4,734
Net charge-offs to loans-0.0662%5,301
Credit loss provision to net charge-offs-455.5556%4,229
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.5928%575
Assets per employee ($millions)2.3342%5,675
Cash dividends to net income (ytd only)*70.5128%1,155
Condition Ratios (%)
Loss allowance to loans1.1424%3,459
Loan loss allowance to noncurrent loans62.9723%4,358
Noncurrent assets plus other real estate owned to assets1.3785%1,216
Noncurrent loans to loans1.8141%1,031
Net loans and leases to total assets74.7421%1,622
Net loans and leases to deposits104.8058%367
Net loans and leases to core deposits107.3915%1,008
Total domestic deposits to total assets71.3149%5,579
Equity capital to assets8.5667%5,189
Core capital (leverage) ratio8.8663%4,887
Tier 1 risk-based capital ratio13.2408%3,915
Total risk-based capital ratio14.5123%3,829
Memoranda:
Average total assets$143,313,0003,640
Average earning assets$131,013,5003,667
Average equity$12,368,5004,151
Average total loans$108,746,0003,266
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6493%1,170
Cost of funding earning assets0.5397%1,795
Net interest margin4.1096%1,362
Noninterest income to average assets2.8323%223
Noninterest expense to average assets5.5369%206
Loan and lease loss provision to assets0.2832%698
Net operating income to assets0.5318%4,506
Return on assets (ROA)0.5288%4,607
Pretax return on assets0.7702%4,270
Return on Equity (ROE)6.0912%3,933
Retained earnings to average equity (ytd only)4.0880%3,006
Net charge-offs to loans0.6779%322
Credit loss provision to net charge-offs52.9178%3,344
Earnings coverage of net charge-offs (x)1.9761%3,912
Efficiency ratio83.5953%1,049
Assets per employee ($millions)2.3263%5,732
Cash dividends to net income (ytd only)*32.8859%3,200
Condition Ratios (%)
Loss allowance to loans1.0641%3,929
Loan loss allowance to noncurrent loans40.6504%4,877
Noncurrent assets plus other real estate owned to assets2.0493%660
Noncurrent loans to loans2.6177%585
Net loans and leases to total assets75.3494%1,623
Net loans and leases to deposits111.5874%192
Net loans and leases to core deposits113.5558%719
Total domestic deposits to total assets67.5250%5,730
Equity capital to assets8.6954%5,109
Core capital (leverage) ratio8.6103%5,163
Tier 1 risk-based capital ratio13.3044%3,891
Total risk-based capital ratio14.5565%3,803
Memoranda:
Average total assets$140,872,8003,654
Average earning assets$128,966,2003,673
Average equity$12,230,8004,216
Average total loans$111,221,0003,200
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6382%1,219
Cost of funding earning assets0.5341%1,843
Net interest margin4.1041%1,374
Noninterest income to average assets2.8626%219
Noninterest expense to average assets5.5308%201
Loan and lease loss provision to assets0.2276%885
Net operating income to assets0.5917%4,324
Return on assets (ROA)0.5917%4,434
Pretax return on assets0.8638%4,106
Return on Equity (ROE)6.8174%3,656
Retained earnings to average equity (ytd only)4.8509%2,930
Net charge-offs to loans0.5654%373
Credit loss provision to net charge-offs50.5263%3,025
Earnings coverage of net charge-offs (x)2.4232%3,574
Efficiency ratio83.0326%1,071
Assets per employee ($millions)2.3865%5,775
Cash dividends to net income (ytd only)*28.8456%2,876
Condition Ratios (%)
Loss allowance to loans1.1216%3,726
Loan loss allowance to noncurrent loans48.8462%4,766
Noncurrent assets plus other real estate owned to assets1.8814%860
Noncurrent loans to loans2.2961%802
Net loans and leases to total assets78.1937%1,160
Net loans and leases to deposits117.2263%141
Net loans and leases to core deposits118.7871%545
Total domestic deposits to total assets66.7032%5,801
Equity capital to assets8.7039%5,394
Core capital (leverage) ratio8.5982%5,263
Tier 1 risk-based capital ratio13.0432%4,134
Total risk-based capital ratio14.3079%4,035
Memoranda:
Average total assets$140,615,2503,684
Average earning assets$128,811,7503,690
Average equity$12,203,7504,256
Average total loans$112,008,0003,196
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6842%1,081
Cost of funding earning assets0.5333%1,843
Net interest margin4.1509%1,223
Noninterest income to average assets2.5659%246
Noninterest expense to average assets5.4022%222
Loan and lease loss provision to assets0.2275%903
Net operating income to assets0.5023%4,668
Return on assets (ROA)0.5023%4,779
Pretax return on assets0.7341%4,519
Return on Equity (ROE)5.7934%4,140
Retained earnings to average equity (ytd only)3.8952%3,417
Net charge-offs to loans0.5717%363
Credit loss provision to net charge-offs49.8433%2,677
Earnings coverage of net charge-offs (x)2.1066%3,324
Efficiency ratio84.3490%1,016
Assets per employee ($millions)2.3386%5,849
Cash dividends to net income (ytd only)*32.7635%2,730
Condition Ratios (%)
Loss allowance to loans1.1981%3,378
Loan loss allowance to noncurrent loans40.4390%5,042
Noncurrent assets plus other real estate owned to assets2.3975%600
Noncurrent loans to loans2.9628%509
Net loans and leases to total assets79.0468%1,060
Net loans and leases to deposits121.4859%93
Net loans and leases to core deposits123.1737%431
Total domestic deposits to total assets65.0667%5,914
Equity capital to assets8.7355%5,456
Core capital (leverage) ratio8.6312%5,234
Tier 1 risk-based capital ratio13.0454%4,175
Total risk-based capital ratio14.3042%4,089
Memoranda:
Average total assets$139,757,6703,724
Average earning assets$127,877,0003,725
Average equity$12,117,3304,299
Average total loans$111,599,3303,217
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6420%1,160
Cost of funding earning assets0.5332%1,842
Net interest margin4.1088%1,313
Noninterest income to average assets2.2914%286
Noninterest expense to average assets4.9756%280
Loan and lease loss provision to assets0.2810%586
Net operating income to assets0.5363%4,479
Return on assets (ROA)0.5363%4,587
Pretax return on assets0.7915%4,221
Return on Equity (ROE)6.2088%3,870
Retained earnings to average equity (ytd only)4.5487%3,209
Net charge-offs to loans0.8196%251
Credit loss provision to net charge-offs42.9825%2,119
Earnings coverage of net charge-offs (x)1.6404%2,787
Efficiency ratio81.7923%1,387
Assets per employee ($millions)2.3073%5,925
Cash dividends to net income (ytd only)*26.7380%2,431
Condition Ratios (%)
Loss allowance to loans1.2367%3,275
Loan loss allowance to noncurrent loans40.7407%5,066
Noncurrent assets plus other real estate owned to assets2.4986%594
Noncurrent loans to loans3.0356%526
Net loans and leases to total assets79.3178%909
Net loans and leases to deposits119.8010%102
Net loans and leases to core deposits120.3894%456
Total domestic deposits to total assets66.2080%5,965
Equity capital to assets8.7664%5,370
Core capital (leverage) ratio8.6184%5,272
Tier 1 risk-based capital ratio13.0486%4,236
Total risk-based capital ratio14.3038%4,145
Memoranda:
Average total assets$139,480,0003,754
Average earning assets$127,532,5003,759
Average equity$12,047,5004,326
Average total loans$111,270,0003,224
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7644%983
Cost of funding earning assets0.4988%2,166
Net interest margin4.2656%1,032
Noninterest income to average assets2.6738%247
Noninterest expense to average assets4.9708%284
Loan and lease loss provision to assets0.4098%322
Net operating income to assets0.8004%3,339
Return on assets (ROA)0.8004%3,423
Pretax return on assets1.1801%2,732
Return on Equity (ROE)9.4631%2,237
Retained earnings to average equity (ytd only)7.8136%975
Net charge-offs to loans0.3641%806
Credit loss provision to net charge-offs141.9847%1,852
Earnings coverage of net charge-offs (x)5.5089%3,379
Efficiency ratio75.2407%2,391
Assets per employee ($millions)2.2665%5,980
Cash dividends to net income (ytd only)*17.4312%3,861
Condition Ratios (%)
Loss allowance to loans1.3515%2,663
Loan loss allowance to noncurrent loans57.5086%4,692
Noncurrent assets plus other real estate owned to assets1.9250%939
Noncurrent loans to loans2.3501%810
Net loans and leases to total assets78.1757%1,093
Net loans and leases to deposits123.2362%78
Net loans and leases to core deposits123.8587%382
Total domestic deposits to total assets63.4356%6,055
Equity capital to assets8.5104%5,556
Core capital (leverage) ratio8.5140%5,416
Tier 1 risk-based capital ratio12.5975%4,572
Total risk-based capital ratio13.8645%4,457
Memoranda:
Average total assets$136,175,0003,783
Average earning assets$124,086,0003,800
Average equity$11,518,4004,390
Average total loans$107,946,6003,240
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7716%980
Cost of funding earning assets0.4995%2,213
Net interest margin4.2721%1,015
Noninterest income to average assets2.7636%236
Noninterest expense to average assets5.0514%274
Loan and lease loss provision to assets0.4293%266
Net operating income to assets0.7955%3,448
Return on assets (ROA)0.7955%3,543
Pretax return on assets1.1745%2,910
Return on Equity (ROE)9.4198%2,342
Retained earnings to average equity (ytd only)7.7837%1,339
Net charge-offs to loans0.4146%617
Credit loss provision to net charge-offs130.6306%1,871
Earnings coverage of net charge-offs (x)4.8799%3,283
Efficiency ratio75.4412%2,328
Assets per employee ($millions)2.2797%6,061
Cash dividends to net income (ytd only)*17.3695%3,322
Condition Ratios (%)
Loss allowance to loans1.3193%2,995
Loan loss allowance to noncurrent loans50.7032%4,926
Noncurrent assets plus other real estate owned to assets2.1531%905
Noncurrent loans to loans2.6021%760
Net loans and leases to total assets78.8525%981
Net loans and leases to deposits121.5334%87
Net loans and leases to core deposits122.8470%404
Total domestic deposits to total assets64.8813%6,116
Equity capital to assets8.5984%5,647
Core capital (leverage) ratio8.5822%5,480
Tier 1 risk-based capital ratio12.6396%4,657
Total risk-based capital ratio13.9082%4,551
Memoranda:
Average total assets$135,088,2503,844
Average earning assets$123,058,5003,859
Average equity$11,408,2504,455
Average total loans$107,093,5003,284
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8083%880
Cost of funding earning assets0.5221%2,054
Net interest margin4.2862%940
Noninterest income to average assets2.7163%244
Noninterest expense to average assets5.0564%281
Loan and lease loss provision to assets0.4386%246
Net operating income to assets0.7642%3,568
Return on assets (ROA)0.7642%3,671
Pretax return on assets1.1269%3,067
Return on Equity (ROE)9.1049%2,483
Retained earnings to average equity (ytd only)7.5106%1,471
Net charge-offs to loans0.4889%511
Credit loss provision to net charge-offs113.4615%1,885
Earnings coverage of net charge-offs (x)4.0500%3,095
Efficiency ratio76.0216%2,350
Assets per employee ($millions)2.3646%6,095
Cash dividends to net income (ytd only)*17.5097%3,264
Condition Ratios (%)
Loss allowance to loans1.2557%3,478
Loan loss allowance to noncurrent loans65.3517%4,610
Noncurrent assets plus other real estate owned to assets1.5837%1,530
Noncurrent loans to loans1.9215%1,296
Net loans and leases to total assets78.8393%956
Net loans and leases to deposits120.7655%89
Net loans and leases to core deposits122.8972%393
Total domestic deposits to total assets65.2830%6,186
Equity capital to assets8.3838%5,772
Core capital (leverage) ratio8.5096%5,521
Tier 1 risk-based capital ratio12.4873%4,817
Total risk-based capital ratio13.7552%4,719
Memoranda:
Average total assets$134,523,6703,884
Average earning assets$122,580,6703,900
Average equity$11,290,6704,509
Average total loans$106,358,6703,315
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6014%1,213
Cost of funding earning assets0.5719%1,645
Net interest margin4.0295%1,468
Noninterest income to average assets2.6304%251
Noninterest expense to average assets4.8314%337
Loan and lease loss provision to assets0.4024%288
Net operating income to assets0.7297%3,646
Return on assets (ROA)0.7297%3,781
Pretax return on assets1.0780%3,177
Return on Equity (ROE)8.6887%2,605
Retained earnings to average equity (ytd only)7.2584%1,882
Net charge-offs to loans0.3588%683
Credit loss provision to net charge-offs142.5532%1,295
Earnings coverage of net charge-offs (x)5.2447%2,404
Efficiency ratio75.8325%2,544
Assets per employee ($millions)2.2308%6,222
Cash dividends to net income (ytd only)*16.4609%2,620
Condition Ratios (%)
Loss allowance to loans1.3174%3,313
Loan loss allowance to noncurrent loans69.1037%4,471
Noncurrent assets plus other real estate owned to assets1.5353%1,688
Noncurrent loans to loans1.9064%1,411
Net loans and leases to total assets77.2322%1,026
Net loans and leases to deposits113.7267%163
Net loans and leases to core deposits115.7009%532
Total domestic deposits to total assets67.9104%6,201
Equity capital to assets8.4559%5,768
Core capital (leverage) ratio8.3563%5,678
Tier 1 risk-based capital ratio12.7883%4,734
Total risk-based capital ratio14.0587%4,636
Memoranda:
Average total assets$133,212,5003,933
Average earning assets$121,701,0003,943
Average equity$11,187,0004,563
Average total loans$104,788,0003,360
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7050%1,295
Cost of funding earning assets0.5648%2,097
Net interest margin4.1402%1,462
Noninterest income to average assets1.6468%468
Noninterest expense to average assets4.4010%502
Loan and lease loss provision to assets0.3568%528
Net operating income to assets0.4551%4,994
Return on assets (ROA)0.4690%5,031
Pretax return on assets0.6818%4,686
Return on Equity (ROE)5.6235%4,346
Retained earnings to average equity (ytd only)4.1388%3,253
Net charge-offs to loans0.6771%556
Credit loss provision to net charge-offs68.1953%3,113
Earnings coverage of net charge-offs (x)1.9467%4,299
Efficiency ratio80.6940%1,820
Assets per employee ($millions)2.2858%6,279
Cash dividends to net income (ytd only)*26.4026%3,539
Condition Ratios (%)
Loss allowance to loans1.2783%3,551
Loan loss allowance to noncurrent loans64.1762%4,692
Noncurrent assets plus other real estate owned to assets1.5953%1,693
Noncurrent loans to loans1.9919%1,395
Net loans and leases to total assets78.0544%990
Net loans and leases to deposits114.4483%156
Net loans and leases to core deposits116.4431%515
Total domestic deposits to total assets68.2006%6,263
Equity capital to assets8.3392%5,872
Core capital (leverage) ratio8.2660%5,806
Tier 1 risk-based capital ratio12.5593%5,002
Total risk-based capital ratio13.8306%4,903
Memoranda:
Average total assets$129,219,4003,986
Average earning assets$117,747,2004,014
Average equity$10,776,2004,602
Average total loans$99,834,8003,427
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6762%1,365
Cost of funding earning assets0.5674%2,127
Net interest margin4.1088%1,551
Noninterest income to average assets1.5662%516
Noninterest expense to average assets4.2726%576
Loan and lease loss provision to assets0.3448%515
Net operating income to assets0.4778%4,953
Return on assets (ROA)0.4964%4,957
Pretax return on assets0.7208%4,630
Return on Equity (ROE)5.9528%4,261
Retained earnings to average equity (ytd only)4.4583%3,477
Net charge-offs to loans0.7925%421
Credit loss provision to net charge-offs56.6553%2,998
Earnings coverage of net charge-offs (x)1.7065%4,095
Efficiency ratio79.9570%1,925
Assets per employee ($millions)2.3502%6,327
Cash dividends to net income (ytd only)*25.1051%3,010
Condition Ratios (%)
Loss allowance to loans1.2656%3,846
Loan loss allowance to noncurrent loans56.8122%4,889
Noncurrent assets plus other real estate owned to assets1.8190%1,626
Noncurrent loans to loans2.2278%1,361
Net loans and leases to total assets77.1171%1,077
Net loans and leases to deposits107.2321%284
Net loans and leases to core deposits110.2645%736
Total domestic deposits to total assets71.9161%6,176
Equity capital to assets8.3247%5,921
Core capital (leverage) ratio8.2663%5,872
Tier 1 risk-based capital ratio12.5603%5,135
Total risk-based capital ratio13.8329%5,049
Memoranda:
Average total assets$128,379,7504,037
Average earning assets$117,014,7504,058
Average equity$10,706,2504,645
Average total loans$98,587,7503,473
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6233%1,465
Cost of funding earning assets0.5689%2,176
Net interest margin4.0544%1,647
Noninterest income to average assets1.2820%718
Noninterest expense to average assets4.1680%624
Loan and lease loss provision to assets0.3001%658
Net operating income to assets0.3579%5,380
Return on assets (ROA)0.3865%5,345
Pretax return on assets0.5499%5,134
Return on Equity (ROE)4.6315%4,850
Retained earnings to average equity (ytd only)3.0312%4,277
Net charge-offs to loans0.6091%658
Credit loss provision to net charge-offs64.5270%2,565
Earnings coverage of net charge-offs (x)1.7399%3,723
Efficiency ratio83.1755%1,608
Assets per employee ($millions)2.5072%6,293
Cash dividends to net income (ytd only)*34.5528%2,619
Condition Ratios (%)
Loss allowance to loans1.4141%3,278
Loan loss allowance to noncurrent loans68.6228%4,559
Noncurrent assets plus other real estate owned to assets1.7059%1,913
Noncurrent loans to loans2.0607%1,628
Net loans and leases to total assets77.5362%970
Net loans and leases to deposits105.1238%331
Net loans and leases to core deposits108.4729%749
Total domestic deposits to total assets73.7570%6,134
Equity capital to assets8.2455%5,996
Core capital (leverage) ratio8.1949%5,932
Tier 1 risk-based capital ratio12.5504%5,193
Total risk-based capital ratio13.8228%5,108
Memoranda:
Average total assets$127,303,3304,087
Average earning assets$116,022,0004,110
Average equity$10,623,0004,675
Average total loans$97,185,6703,510
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6541%1,363
Cost of funding earning assets0.5638%2,308
Net interest margin4.0902%1,487
Noninterest income to average assets1.0814%954
Noninterest expense to average assets4.1251%655
Loan and lease loss provision to assets0.3117%604
Net operating income to assets0.2513%5,658
Return on assets (ROA)0.2513%5,700
Pretax return on assets0.3594%5,570
Return on Equity (ROE)2.9926%5,462
Retained earnings to average equity (ytd only)1.4773%5,021
Net charge-offs to loans0.9438%368
Credit loss provision to net charge-offs43.9462%2,267
Earnings coverage of net charge-offs (x)0.9462%3,226
Efficiency ratio85.2122%1,518
Assets per employee ($millions)2.4757%6,383
Cash dividends to net income (ytd only)*50.6329%1,668
Condition Ratios (%)
Loss allowance to loans1.4910%3,175
Loan loss allowance to noncurrent loans74.5957%4,348
Noncurrent assets plus other real estate owned to assets1.6521%2,137
Noncurrent loans to loans1.9987%1,867
Net loans and leases to total assets74.8279%1,144
Net loans and leases to deposits95.0962%710
Net loans and leases to core deposits98.0215%1,236
Total domestic deposits to total assets78.6866%5,729
Equity capital to assets8.3928%5,749
Core capital (leverage) ratio8.3659%5,788
Tier 1 risk-based capital ratio13.0385%4,984
Total risk-based capital ratio14.3078%4,905
Memoranda:
Average total assets$125,768,0004,148
Average earning assets$114,223,0004,175
Average equity$10,559,5004,714
Average total loans$94,510,0003,600
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6082%1,846
Cost of funding earning assets0.7064%1,770
Net interest margin3.9018%2,275
Noninterest income to average assets1.1697%1,027
Noninterest expense to average assets3.9202%959
Loan and lease loss provision to assets0.6539%363
Net operating income to assets0.0994%6,045
Return on assets (ROA)0.1365%6,031
Pretax return on assets0.1889%5,964
Return on Equity (ROE)1.6054%5,959
Retained earnings to average equity (ytd only)-9.8751%6,531
Net charge-offs to loans1.1287%491
Credit loss provision to net charge-offs82.0717%2,986
Earnings coverage of net charge-offs (x)0.9930%4,749
Efficiency ratio82.2301%1,855
Assets per employee ($millions)2.5055%6,400
Cash dividends to net income (ytd only)*715.1163%11
Condition Ratios (%)
Loss allowance to loans1.6701%2,499
Loan loss allowance to noncurrent loans66.6810%4,599
Noncurrent assets plus other real estate owned to assets2.1497%1,659
Noncurrent loans to loans2.5046%1,508
Net loans and leases to total assets73.0844%1,509
Net loans and leases to deposits96.9287%678
Net loans and leases to core deposits100.6154%1,108
Total domestic deposits to total assets75.4001%6,153
Equity capital to assets8.3993%5,696
Core capital (leverage) ratio8.3993%5,784
Tier 1 risk-based capital ratio13.1349%4,897
Total risk-based capital ratio14.4095%4,824
Memoranda:
Average total assets$126,012,4004,143
Average earning assets$114,382,8004,177
Average equity$10,713,8004,695
Average total loans$88,954,0003,714
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5656%1,988
Cost of funding earning assets0.7105%1,881
Net interest margin3.8551%2,442
Noninterest income to average assets1.2171%988
Noninterest expense to average assets3.8891%979
Loan and lease loss provision to assets0.7670%261
Net operating income to assets0.0425%6,228
Return on assets (ROA)0.0919%6,207
Pretax return on assets0.1268%6,181
Return on Equity (ROE)1.0779%6,165
Retained earnings to average equity (ytd only)-14.1609%6,696
Net charge-offs to loans1.3816%373
Credit loss provision to net charge-offs79.6926%2,861
Earnings coverage of net charge-offs (x)0.8573%4,569
Efficiency ratio81.3088%1,932
Assets per employee ($millions)2.8025%6,149
Cash dividends to net income (ytd only)*1,413.7586%2
Condition Ratios (%)
Loss allowance to loans1.7162%2,575
Loan loss allowance to noncurrent loans63.2911%4,683
Noncurrent assets plus other real estate owned to assets2.1726%1,836
Noncurrent loans to loans2.7117%1,555
Net loans and leases to total assets71.9838%1,594
Net loans and leases to deposits91.4150%1,026
Net loans and leases to core deposits95.0527%1,467
Total domestic deposits to total assets78.7440%5,796
Equity capital to assets8.4583%5,779
Core capital (leverage) ratio8.4679%5,800
Tier 1 risk-based capital ratio13.3559%4,868
Total risk-based capital ratio14.5888%4,815
Memoranda:
Average total assets$126,197,2504,189
Average earning assets$114,476,7504,215
Average equity$10,761,7504,745
Average total loans$87,915,0003,762
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5231%2,106
Cost of funding earning assets0.7165%1,945
Net interest margin3.8065%2,534
Noninterest income to average assets1.1466%1,159
Noninterest expense to average assets3.9069%971
Loan and lease loss provision to assets0.9673%197
Net operating income to assets-0.1771%6,475
Return on assets (ROA)-0.1117%6,459
Pretax return on assets-0.1746%6,478
Return on Equity (ROE)-1.3061%6,479
Retained earnings to average equity (ytd only)-23.9323%6,823
Net charge-offs to loans1.6071%315
Credit loss provision to net charge-offs87.8571%2,489
Earnings coverage of net charge-offs (x)0.6271%4,313
Efficiency ratio83.5443%1,689
Assets per employee ($millions)2.9134%5,996
Cash dividends to net income (ytd only)*-1,732.3944%6,936
Condition Ratios (%)
Loss allowance to loans1.8935%2,128
Loan loss allowance to noncurrent loans60.0218%4,796
Noncurrent assets plus other real estate owned to assets2.6388%1,585
Noncurrent loans to loans3.1548%1,393
Net loans and leases to total assets71.5680%1,642
Net loans and leases to deposits88.8224%1,250
Net loans and leases to core deposits92.3835%1,670
Total domestic deposits to total assets80.5743%5,455
Equity capital to assets8.5877%5,681
Core capital (leverage) ratio8.6053%5,552
Tier 1 risk-based capital ratio13.1914%4,998
Total risk-based capital ratio14.4578%4,928
Memoranda:
Average total assets$127,159,3304,200
Average earning assets$115,276,0004,224
Average equity$10,872,3304,751
Average total loans$87,115,3303,788
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3105%2,855
Cost of funding earning assets0.7094%2,129
Net interest margin3.6010%3,265
Noninterest income to average assets0.8946%1,774
Noninterest expense to average assets3.6485%1,339
Loan and lease loss provision to assets1.1999%133
Net operating income to assets-0.4465%6,654
Return on assets (ROA)-0.3175%6,619
Pretax return on assets-0.4854%6,671
Return on Equity (ROE)-3.7211%6,639
Retained earnings to average equity (ytd only)-47.7302%6,959
Net charge-offs to loans2.9528%119
Credit loss provision to net charge-offs61.1198%2,430
Earnings coverage of net charge-offs (x)0.2628%3,733
Efficiency ratio85.8504%1,534
Assets per employee ($millions)3.0740%5,866
Cash dividends to net income (ytd only)*-1,182.6923%7,010
Condition Ratios (%)
Loss allowance to loans1.7076%2,974
Loan loss allowance to noncurrent loans49.2864%5,196
Noncurrent assets plus other real estate owned to assets2.8595%1,578
Noncurrent loans to loans3.4646%1,388
Net loans and leases to total assets67.8219%2,047
Net loans and leases to deposits83.3569%1,655
Net loans and leases to core deposits86.2668%2,082
Total domestic deposits to total assets81.3633%5,401
Equity capital to assets8.3310%6,166
Core capital (leverage) ratio8.1473%5,995
Tier 1 risk-based capital ratio12.6531%5,470
Total risk-based capital ratio13.9162%5,413
Memoranda:
Average total assets$131,014,0004,162
Average earning assets$118,966,0004,177
Average equity$11,179,5004,739
Average total loans$87,104,0003,810
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4911%3,434
Cost of funding earning assets0.8882%2,005
Net interest margin3.6029%4,068
Noninterest income to average assets0.9596%1,670
Noninterest expense to average assets3.3413%2,220
Loan and lease loss provision to assets0.3266%2,085
Net operating income to assets0.3813%5,176
Return on assets (ROA)0.4160%5,287
Pretax return on assets0.6240%4,914
Return on Equity (ROE)4.2345%5,048
Retained earnings to average equity (ytd only)-13.5902%6,744
Net charge-offs to loans0.4855%2,290
Credit loss provision to net charge-offs102.3529%2,940
Earnings coverage of net charge-offs (x)2.8165%4,021
Efficiency ratio78.3779%2,380
Assets per employee ($millions)3.3169%5,386
Cash dividends to net income (ytd only)*420.9386%46
Condition Ratios (%)
Loss allowance to loans1.9887%2,039
Loan loss allowance to noncurrent loans46.8666%5,283
Noncurrent assets plus other real estate owned to assets3.1017%1,518
Noncurrent loans to loans4.2433%1,055
Net loans and leases to total assets62.8772%3,081
Net loans and leases to deposits76.9095%2,673
Net loans and leases to core deposits80.6892%2,918
Total domestic deposits to total assets81.7548%5,178
Equity capital to assets8.7204%5,831
Core capital (leverage) ratio8.5320%5,563
Tier 1 risk-based capital ratio14.1889%4,250
Total risk-based capital ratio15.3959%4,236
Memoranda:
Average total assets$133,182,6004,078
Average earning assets$121,262,2004,086
Average equity$13,083,0004,341
Average total loans$87,547,2003,813
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5698%3,335
Cost of funding earning assets0.9226%2,029
Net interest margin3.6472%4,015
Noninterest income to average assets0.9138%1,783
Noninterest expense to average assets3.3322%2,180
Loan and lease loss provision to assets0.3492%1,870
Net operating income to assets0.3701%5,370
Return on assets (ROA)0.4167%5,412
Pretax return on assets0.6240%5,095
Return on Equity (ROE)4.1227%5,244
Retained earnings to average equity (ytd only)-3.8140%6,538
Net charge-offs to loans0.4900%2,147
Credit loss provision to net charge-offs107.7640%2,730
Earnings coverage of net charge-offs (x)2.7888%3,924
Efficiency ratio78.2371%2,366
Assets per employee ($millions)3.3264%5,381
Cash dividends to net income (ytd only)*192.5107%60
Condition Ratios (%)
Loss allowance to loans2.0171%2,119
Loan loss allowance to noncurrent loans65.9134%4,388
Noncurrent assets plus other real estate owned to assets2.3639%2,249
Noncurrent loans to loans3.0602%1,819
Net loans and leases to total assets62.3303%3,329
Net loans and leases to deposits77.2035%2,771
Net loans and leases to core deposits81.1811%3,065
Total domestic deposits to total assets80.7351%5,435
Equity capital to assets9.7629%4,828
Core capital (leverage) ratio9.5388%4,209
Tier 1 risk-based capital ratio16.0168%3,252
Total risk-based capital ratio17.2795%3,214
Memoranda:
Average total assets$132,480,2504,124
Average earning assets$120,673,2504,138
Average equity$13,389,0004,322
Average total loans$87,623,2503,844
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6968%2,927
Cost of funding earning assets0.9628%1,980
Net interest margin3.7339%3,666
Noninterest income to average assets0.9209%1,708
Noninterest expense to average assets3.3588%2,132
Loan and lease loss provision to assets0.3857%1,699
Net operating income to assets0.3803%5,296
Return on assets (ROA)0.4589%5,239
Pretax return on assets0.6876%4,863
Return on Equity (ROE)4.4880%5,045
Retained earnings to average equity (ytd only)-6.7245%6,709
Net charge-offs to loans0.6893%1,611
Credit loss provision to net charge-offs83.4983%3,227
Earnings coverage of net charge-offs (x)2.0693%3,954
Efficiency ratio77.4912%2,523
Assets per employee ($millions)3.1058%5,838
Cash dividends to net income (ytd only)*249.8339%48
Condition Ratios (%)
Loss allowance to loans1.9161%2,499
Loan loss allowance to noncurrent loans78.0886%3,866
Noncurrent assets plus other real estate owned to assets2.0913%2,674
Noncurrent loans to loans2.4538%2,450
Net loans and leases to total assets65.7304%2,726
Net loans and leases to deposits82.1409%2,093
Net loans and leases to core deposits86.6317%2,343
Total domestic deposits to total assets80.0215%5,734
Equity capital to assets10.0494%4,261
Core capital (leverage) ratio9.9099%3,553
Tier 1 risk-based capital ratio16.2324%3,047
Total risk-based capital ratio17.4925%3,005
Memoranda:
Average total assets$131,179,3304,182
Average earning assets$119,231,3304,192
Average equity$13,413,6704,318
Average total loans$87,911,6703,855
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6800%3,130
Cost of funding earning assets0.9847%2,071
Net interest margin3.6953%3,856
Noninterest income to average assets0.9487%1,573
Noninterest expense to average assets3.4482%1,882
Loan and lease loss provision to assets0.2402%2,546
Net operating income to assets0.4185%5,179
Return on assets (ROA)0.4348%5,292
Pretax return on assets0.6507%4,937
Return on Equity (ROE)4.2164%5,189
Retained earnings to average equity (ytd only)2.8896%4,808
Net charge-offs to loans0.2450%2,707
Credit loss provision to net charge-offs146.2963%1,700
Earnings coverage of net charge-offs (x)5.2778%2,406
Efficiency ratio79.2107%2,314
Assets per employee ($millions)3.1977%5,776
Cash dividends to net income (ytd only)*31.4685%2,041
Condition Ratios (%)
Loss allowance to loans1.9978%2,359
Loan loss allowance to noncurrent loans59.9110%4,529
Noncurrent assets plus other real estate owned to assets2.5539%2,313
Noncurrent loans to loans3.3346%1,909
Net loans and leases to total assets63.9194%2,862
Net loans and leases to deposits79.6783%2,248
Net loans and leases to core deposits83.6732%2,587
Total domestic deposits to total assets80.2219%5,797
Equity capital to assets10.1292%3,943
Core capital (leverage) ratio10.0213%3,343
Tier 1 risk-based capital ratio17.0633%2,659
Total risk-based capital ratio18.3072%2,625
Memoranda:
Average total assets$131,546,5004,199
Average earning assets$119,828,5004,201
Average equity$13,566,0004,287
Average total loans$88,159,0003,880
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0009%2,877
Cost of funding earning assets1.2287%1,844
Net interest margin3.7722%3,966
Noninterest income to average assets0.7076%2,551
Noninterest expense to average assets3.1731%2,955
Loan and lease loss provision to assets0.4689%2,257
Net operating income to assets0.3290%5,152
Return on assets (ROA)0.3372%5,273
Pretax return on assets0.5092%4,964
Return on Equity (ROE)3.2755%5,166
Retained earnings to average equity (ytd only)2.0330%4,765
Net charge-offs to loans0.5446%2,834
Credit loss provision to net charge-offs120.2783%2,647
Earnings coverage of net charge-offs (x)2.4771%3,975
Efficiency ratio76.6667%2,803
Assets per employee ($millions)2.9951%6,093
Cash dividends to net income (ytd only)*37.9310%2,712
Condition Ratios (%)
Loss allowance to loans1.9443%2,435
Loan loss allowance to noncurrent loans76.0582%3,813
Noncurrent assets plus other real estate owned to assets2.1858%2,751
Noncurrent loans to loans2.5563%2,568
Net loans and leases to total assets67.5498%2,483
Net loans and leases to deposits84.8940%1,816
Net loans and leases to core deposits89.2789%2,224
Total domestic deposits to total assets79.5695%5,854
Equity capital to assets10.5041%3,532
Core capital (leverage) ratio10.4080%2,837
Tier 1 risk-based capital ratio17.5366%2,367
Total risk-based capital ratio18.7991%2,333
Memoranda:
Average total assets$129,021,2004,188
Average earning assets$117,357,8004,202
Average equity$13,280,6004,287
Average total loans$92,361,4003,802
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0387%2,896
Cost of funding earning assets1.2699%1,863
Net interest margin3.7688%4,019
Noninterest income to average assets0.6280%3,007
Noninterest expense to average assets3.1473%3,003
Loan and lease loss provision to assets0.4968%2,001
Net operating income to assets0.2720%5,501
Return on assets (ROA)0.2727%5,660
Pretax return on assets0.4121%5,428
Return on Equity (ROE)2.6628%5,553
Retained earnings to average equity (ytd only)1.4525%5,416
Net charge-offs to loans0.6847%2,203
Credit loss provision to net charge-offs100.4175%3,353
Earnings coverage of net charge-offs (x)1.8351%4,289
Efficiency ratio77.6108%2,594
Assets per employee ($millions)3.0095%6,097
Cash dividends to net income (ytd only)*45.4558%1,793
Condition Ratios (%)
Loss allowance to loans1.7760%3,023
Loan loss allowance to noncurrent loans70.6215%3,946
Noncurrent assets plus other real estate owned to assets2.2958%2,789
Noncurrent loans to loans2.5148%2,753
Net loans and leases to total assets69.4501%2,191
Net loans and leases to deposits87.0999%1,542
Net loans and leases to core deposits91.5596%2,048
Total domestic deposits to total assets79.7362%5,818
Equity capital to assets10.3943%3,842
Core capital (leverage) ratio10.2663%3,116
Tier 1 risk-based capital ratio17.0656%2,620
Total risk-based capital ratio18.3312%2,570
Memoranda:
Average total assets$129,079,5004,216
Average earning assets$117,382,2504,215
Average equity$13,218,7504,302
Average total loans$93,271,5003,812
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0068%3,124
Cost of funding earning assets1.3080%1,889
Net interest margin3.6987%4,265
Noninterest income to average assets0.5614%3,393
Noninterest expense to average assets3.0813%3,324
Loan and lease loss provision to assets0.4962%1,982
Net operating income to assets0.2264%5,641
Return on assets (ROA)0.2264%5,760
Pretax return on assets0.3427%5,568
Return on Equity (ROE)2.2220%5,712
Retained earnings to average equity (ytd only)1.0806%5,430
Net charge-offs to loans0.8374%1,828
Credit loss provision to net charge-offs81.4249%3,725
Earnings coverage of net charge-offs (x)1.3766%4,247
Efficiency ratio78.5997%2,611
Assets per employee ($millions)2.9791%6,129
Cash dividends to net income (ytd only)*51.3699%1,652
Condition Ratios (%)
Loss allowance to loans1.6769%3,399
Loan loss allowance to noncurrent loans41.5216%5,546
Noncurrent assets plus other real estate owned to assets3.5379%1,854
Noncurrent loans to loans4.0386%1,714
Net loans and leases to total assets70.9461%2,016
Net loans and leases to deposits89.0598%1,369
Net loans and leases to core deposits93.3895%1,975
Total domestic deposits to total assets79.6612%5,911
Equity capital to assets10.3294%3,711
Core capital (leverage) ratio10.2965%2,941
Tier 1 risk-based capital ratio16.5820%2,701
Total risk-based capital ratio17.8522%2,650
Memoranda:
Average total assets$128,970,0004,249
Average earning assets$117,121,0004,252
Average equity$13,141,3304,308
Average total loans$93,862,3303,843
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2285%2,119
Cost of funding earning assets1.3276%2,021
Net interest margin3.9009%3,135
Noninterest income to average assets0.5688%3,375
Noninterest expense to average assets3.4404%2,172
Loan and lease loss provision to assets0.4049%2,166
Net operating income to assets0.1700%5,887
Return on assets (ROA)0.1700%5,934
Pretax return on assets0.2566%5,790
Return on Equity (ROE)1.6799%5,918
Retained earnings to average equity (ytd only)0.6109%5,588
Net charge-offs to loans1.0150%1,346
Credit loss provision to net charge-offs54.5833%3,659
Earnings coverage of net charge-offs (x)0.8917%3,975
Efficiency ratio83.8734%1,970
Assets per employee ($millions)3.1031%5,941
Cash dividends to net income (ytd only)*63.6364%1,165
Condition Ratios (%)
Loss allowance to loans1.6192%3,657
Loan loss allowance to noncurrent loans53.1370%4,831
Noncurrent assets plus other real estate owned to assets2.7587%2,504
Noncurrent loans to loans3.0471%2,466
Net loans and leases to total assets69.0331%2,317
Net loans and leases to deposits86.4627%1,656
Net loans and leases to core deposits90.2511%2,319
Total domestic deposits to total assets79.8416%5,981
Equity capital to assets9.8252%4,005
Core capital (leverage) ratio9.8379%3,348
Tier 1 risk-based capital ratio16.1408%2,841
Total risk-based capital ratio17.4120%2,794
Memoranda:
Average total assets$129,405,0004,270
Average earning assets$117,204,0004,275
Average equity$13,096,0004,312
Average total loans$94,577,5003,866
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8069%1,261
Cost of funding earning assets1.5473%2,364
Net interest margin4.2596%1,956
Noninterest income to average assets0.7147%2,758
Noninterest expense to average assets3.3655%2,536
Loan and lease loss provision to assets0.4239%3,568
Net operating income to assets0.5100%4,052
Return on assets (ROA)0.6039%3,818
Pretax return on assets0.9019%3,286
Return on Equity (ROE)5.9025%3,655
Retained earnings to average equity (ytd only)4.6566%2,634
Net charge-offs to loans0.5576%3,390
Credit loss provision to net charge-offs95.1699%4,886
Earnings coverage of net charge-offs (x)2.6619%3,765
Efficiency ratio73.9496%3,409
Assets per employee ($millions)2.8495%6,440
Cash dividends to net income (ytd only)*21.1082%3,402
Condition Ratios (%)
Loss allowance to loans1.7011%3,212
Loan loss allowance to noncurrent loans42.0114%5,509
Noncurrent assets plus other real estate owned to assets3.6035%1,911
Noncurrent loans to loans4.0492%1,785
Net loans and leases to total assets74.8949%1,495
Net loans and leases to deposits95.2024%933
Net loans and leases to core deposits100.2327%1,595
Total domestic deposits to total assets78.6691%6,173
Equity capital to assets10.4341%3,233
Core capital (leverage) ratio10.4530%2,604
Tier 1 risk-based capital ratio16.0299%2,733
Total risk-based capital ratio17.2956%2,686
Memoranda:
Average total assets$125,507,8004,361
Average earning assets$113,038,6004,398
Average equity$12,842,0004,389
Average total loans$100,247,8003,785
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8806%1,179
Cost of funding earning assets1.5815%2,498
Net interest margin4.2991%1,853
Noninterest income to average assets0.6022%3,426
Noninterest expense to average assets3.3816%2,352
Loan and lease loss provision to assets0.4174%3,400
Net operating income to assets0.4568%4,507
Return on assets (ROA)0.5820%4,108
Pretax return on assets0.8645%3,685
Return on Equity (ROE)5.7162%3,945
Retained earnings to average equity (ytd only)4.4645%3,368
Net charge-offs to loans0.5915%2,968
Credit loss provision to net charge-offs87.3333%4,879
Earnings coverage of net charge-offs (x)2.2911%4,018
Efficiency ratio75.5397%3,030
Assets per employee ($millions)2.8140%6,558
Cash dividends to net income (ytd only)*21.8983%2,886
Condition Ratios (%)
Loss allowance to loans1.6094%3,491
Loan loss allowance to noncurrent loans38.4783%5,748
Noncurrent assets plus other real estate owned to assets3.7637%1,892
Noncurrent loans to loans4.1827%1,750
Net loans and leases to total assets78.6536%935
Net loans and leases to deposits100.3007%640
Net loans and leases to core deposits105.6810%1,352
Total domestic deposits to total assets78.4178%6,163
Equity capital to assets10.5028%3,513
Core capital (leverage) ratio10.4743%2,712
Tier 1 risk-based capital ratio15.7096%2,902
Total risk-based capital ratio16.9680%2,856
Memoranda:
Average total assets$125,540,5004,429
Average earning assets$113,137,2504,455
Average equity$12,782,0004,480
Average total loans$101,428,2503,820
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9738%1,010
Cost of funding earning assets1.6219%2,538
Net interest margin4.3519%1,581
Noninterest income to average assets0.4583%4,452
Noninterest expense to average assets3.2621%2,686
Loan and lease loss provision to assets0.5043%2,784
Net operating income to assets0.4176%4,671
Return on assets (ROA)0.6074%3,985
Pretax return on assets0.8944%3,518
Return on Equity (ROE)6.0277%3,791
Retained earnings to average equity (ytd only)4.8473%2,984
Net charge-offs to loans0.8372%2,162
Credit loss provision to net charge-offs74.2991%4,850
Earnings coverage of net charge-offs (x)1.6495%4,266
Efficiency ratio74.4481%3,388
Assets per employee ($millions)2.8313%6,505
Cash dividends to net income (ytd only)*19.5822%2,906
Condition Ratios (%)
Loss allowance to loans1.5266%3,786
Loan loss allowance to noncurrent loans76.0494%3,562
Noncurrent assets plus other real estate owned to assets2.0951%3,384
Noncurrent loans to loans2.0074%3,704
Net loans and leases to total assets79.7415%840
Net loans and leases to deposits104.6732%455
Net loans and leases to core deposits110.6066%1,128
Total domestic deposits to total assets76.1814%6,652
Equity capital to assets10.3408%3,592
Core capital (leverage) ratio10.2961%2,827
Tier 1 risk-based capital ratio15.2464%3,042
Total risk-based capital ratio16.5040%2,990
Memoranda:
Average total assets$126,115,6704,443
Average earning assets$113,696,6704,455
Average equity$12,708,0004,499
Average total loans$102,245,0003,826
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9769%1,023
Cost of funding earning assets1.7287%2,241
Net interest margin4.2482%1,861
Noninterest income to average assets0.2553%6,105
Noninterest expense to average assets3.1304%3,137
Loan and lease loss provision to assets0.4666%2,636
Net operating income to assets0.3257%5,188
Return on assets (ROA)0.7030%3,542
Pretax return on assets1.0403%2,933
Return on Equity (ROE)7.0676%3,310
Retained earnings to average equity (ytd only)6.1168%2,567
Net charge-offs to loans0.4780%2,623
Credit loss provision to net charge-offs120.3252%2,895
Earnings coverage of net charge-offs (x)2.4553%3,313
Efficiency ratio76.6795%3,103
Assets per employee ($millions)3.1659%5,843
Cash dividends to net income (ytd only)*13.4529%2,355
Condition Ratios (%)
Loss allowance to loans1.6380%3,301
Loan loss allowance to noncurrent loans63.3510%4,211
Noncurrent assets plus other real estate owned to assets2.4527%2,964
Noncurrent loans to loans2.5855%3,087
Net loans and leases to total assets79.4286%923
Net loans and leases to deposits102.4652%616
Net loans and leases to core deposits112.9964%1,096
Total domestic deposits to total assets77.5176%6,446
Equity capital to assets10.0334%3,820
Core capital (leverage) ratio10.0320%3,126
Tier 1 risk-based capital ratio14.8403%3,187
Total risk-based capital ratio16.0990%3,142
Memoranda:
Average total assets$126,886,0004,483
Average earning assets$114,306,5004,508
Average equity$12,621,0004,559
Average total loans$102,928,5003,858
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9311%2,126
Cost of funding earning assets2.5462%903
Net interest margin3.3849%5,429
Noninterest income to average assets0.2019%6,659
Noninterest expense to average assets3.4495%2,529
Loan and lease loss provision to assets0.6694%3,138
Net operating income to assets-0.5278%6,218
Return on assets (ROA)-0.5900%6,257
Pretax return on assets-0.9039%6,345
Return on Equity (ROE)-6.3024%6,335
Retained earnings to average equity (ytd only)-7.0873%6,246
Net charge-offs to loans0.2040%5,358
Credit loss provision to net charge-offs419.5349%751
Earnings coverage of net charge-offs (x)-0.8698%6,853
Efficiency ratio104.1919%949
Assets per employee ($millions)3.3457%5,387
Cash dividends to net income (ytd only)*-12.4528%7,632
Condition Ratios (%)
Loss allowance to loans1.5927%3,310
Loan loss allowance to noncurrent loans54.0452%4,746
Noncurrent assets plus other real estate owned to assets2.9355%2,385
Noncurrent loans to loans2.9470%2,611
Net loans and leases to total assets80.1872%961
Net loans and leases to deposits103.4880%671
Net loans and leases to core deposits118.8861%2,048
Total domestic deposits to total assets77.4846%6,350
Equity capital to assets9.8604%3,930
Core capital (leverage) ratio9.8427%3,280
Tier 1 risk-based capital ratio14.5903%3,157
Total risk-based capital ratio15.8492%3,105
Memoranda:
Average total assets$134,745,0004,243
Average earning assets$123,755,0004,222
Average equity$12,614,2004,608
Average total loans$105,416,0003,795
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8856%2,509
Cost of funding earning assets2.7191%747
Net interest margin3.1665%6,125
Noninterest income to average assets0.1483%7,118
Noninterest expense to average assets3.6433%1,937
Loan and lease loss provision to assets0.7777%2,428
Net operating income to assets-0.8887%6,755
Return on assets (ROA)-0.9718%6,817
Pretax return on assets-1.4772%6,949
Return on Equity (ROE)-10.5113%6,930
Retained earnings to average equity (ytd only)-11.1867%6,895
Net charge-offs to loans0.1700%5,033
Credit loss provision to net charge-offs590.3704%653
Earnings coverage of net charge-offs (x)-4.3554%6,838
Efficiency ratio118.6904%608
Assets per employee ($millions)3.4966%4,934
Cash dividends to net income (ytd only)*-6.4256%7,713
Condition Ratios (%)
Loss allowance to loans1.5510%3,191
Loan loss allowance to noncurrent loans58.5375%4,453
Noncurrent assets plus other real estate owned to assets2.5654%2,707
Noncurrent loans to loans2.6496%2,857
Net loans and leases to total assets79.7278%1,228
Net loans and leases to deposits105.5169%677
Net loans and leases to core deposits122.0530%2,067
Total domestic deposits to total assets75.5592%6,666
Equity capital to assets9.5506%4,677
Core capital (leverage) ratio9.5433%3,854
Tier 1 risk-based capital ratio14.3183%3,373
Total risk-based capital ratio15.5759%3,315
Memoranda:
Average total assets$136,647,5004,218
Average earning assets$126,067,5004,209
Average equity$12,633,7504,625
Average total loans$105,871,0003,825
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8274%2,915
Cost of funding earning assets3.0076%465
Net interest margin2.8198%6,976
Noninterest income to average assets0.0403%7,786
Noninterest expense to average assets4.1173%1,168
Loan and lease loss provision to assets1.0513%1,619
Net operating income to assets-1.6584%7,313
Return on assets (ROA)-1.7789%7,351
Pretax return on assets-2.6993%7,472
Return on Equity (ROE)-19.4400%7,487
Retained earnings to average equity (ytd only)-20.4458%7,468
Net charge-offs to loans0.1770%4,468
Credit loss provision to net charge-offs777.6596%602
Earnings coverage of net charge-offs (x)-10.8404%6,533
Efficiency ratio155.2603%347
Assets per employee ($millions)3.4742%4,883
Cash dividends to net income (ytd only)*-5.1738%7,811
Condition Ratios (%)
Loss allowance to loans1.5131%3,117
Loan loss allowance to noncurrent loans62.8190%4,311
Noncurrent assets plus other real estate owned to assets2.1837%2,954
Noncurrent loans to loans2.4087%3,001
Net loans and leases to total assets81.0166%1,135
Net loans and leases to deposits109.6901%563
Net loans and leases to core deposits126.9808%1,784
Total domestic deposits to total assets73.8595%6,967
Equity capital to assets9.3478%4,803
Core capital (leverage) ratio9.4071%4,019
Tier 1 risk-based capital ratio14.0476%3,490
Total risk-based capital ratio15.3051%3,426
Memoranda:
Average total assets$139,072,0004,190
Average earning assets$128,805,6704,163
Average equity$12,726,3304,618
Average total loans$106,237,3303,849
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8037%3,280
Cost of funding earning assets2.9704%647
Net interest margin2.8332%6,919
Noninterest income to average assets0.2078%6,808
Noninterest expense to average assets2.6715%5,145
Loan and lease loss provision to assets0.1663%4,800
Net operating income to assets0.0012%6,248
Return on assets (ROA)0.1330%6,045
Pretax return on assets0.1995%5,936
Return on Equity (ROE)1.4677%5,979
Retained earnings to average equity (ytd only)-0.4892%5,760
Net charge-offs to loans0.0864%4,302
Credit loss provision to net charge-offs260.8696%1,811
Earnings coverage of net charge-offs (x)2.6522%3,430
Efficiency ratio94.0488%1,428
Assets per employee ($millions)3.9410%3,791
Cash dividends to net income (ytd only)*133.3333%525
Condition Ratios (%)
Loss allowance to loans0.9527%6,475
Loan loss allowance to noncurrent loans73.0994%3,960
Noncurrent assets plus other real estate owned to assets1.3311%4,001
Noncurrent loans to loans1.3033%4,370
Net loans and leases to total assets71.2985%3,408
Net loans and leases to deposits108.0133%724
Net loans and leases to core deposits123.7985%2,097
Total domestic deposits to total assets66.0090%7,731
Equity capital to assets8.9516%5,414
Core capital (leverage) ratio9.1609%4,463
Tier 1 risk-based capital ratio15.0003%3,070
Total risk-based capital ratio16.1285%3,052
Memoranda:
Average total assets$144,336,0004,107
Average earning assets$134,122,0004,069
Average equity$13,081,5004,563
Average total loans$106,485,0003,872
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3406%3,728
Cost of funding earning assets3.4840%547
Net interest margin2.8566%7,243
Noninterest income to average assets0.2198%6,869
Noninterest expense to average assets2.1924%6,983
Loan and lease loss provision to assets0.3039%3,943
Net operating income to assets0.2495%5,712
Return on assets (ROA)0.2763%5,439
Pretax return on assets0.4210%5,203
Return on Equity (ROE)3.5728%5,008
Retained earnings to average equity (ytd only)-0.9712%5,582
Net charge-offs to loans0.1775%4,429
Credit loss provision to net charge-offs227.3196%2,086
Earnings coverage of net charge-offs (x)5.1186%3,745
Efficiency ratio76.2156%3,204
Assets per employee ($millions)3.8609%3,831
Cash dividends to net income (ytd only)*127.1820%611
Condition Ratios (%)
Loss allowance to loans0.8916%6,724
Loan loss allowance to noncurrent loans50.0780%5,491
Noncurrent assets plus other real estate owned to assets1.5435%3,134
Noncurrent loans to loans1.7805%3,091
Net loans and leases to total assets74.9303%2,895
Net loans and leases to deposits114.8841%578
Net loans and leases to core deposits130.0762%1,847
Total domestic deposits to total assets65.2225%7,707
Equity capital to assets9.1772%5,114
Core capital (leverage) ratio9.3644%4,213
Tier 1 risk-based capital ratio14.8843%3,105
Total risk-based capital ratio15.9599%3,117
Memoranda:
Average total assets$145,134,6003,990
Average earning assets$134,987,4003,951
Average equity$11,223,6005,058
Average total loans$109,317,0003,694