Home > First Federal Savings Bank of Champaign Urbana > Performance and Condition Ratios

First Federal Savings Bank of Champaign Urbana, Performance and Condition Ratios

2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3185%4,797
Cost of funding earning assets0.0510%5,079
Net interest margin3.2675%3,671
Noninterest income to average assets2.1993%238
Noninterest expense to average assets4.2256%407
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.7331%3,155
Return on assets (ROA)0.7331%3,241
Pretax return on assets1.0359%2,716
Return on Equity (ROE)7.2641%2,847
Retained earnings to average equity (ytd only)7.2641%1,456
Net charge-offs to loans0.0251%1,865
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)75.8333%693
Efficiency ratio80.3116%1,109
Assets per employee ($millions)2.9805%4,806
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9850%3,786
Loan loss allowance to noncurrent loans27.2992%4,433
Noncurrent assets plus other real estate owned to assets1.9879%423
Noncurrent loans to loans3.6081%249
Net loans and leases to total assets52.7278%4,076
Net loans and leases to deposits59.8429%4,205
Net loans and leases to core deposits60.0854%4,352
Total domestic deposits to total assets88.1104%1,066
Equity capital to assets10.0051%3,779
Core capital (leverage) ratio10.0895%3,358
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$175,689,5003,077
Average earning assets$164,652,0003,066
Average equity$17,731,0003,400
Average total loans$95,748,0003,286
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8680%4,484
Cost of funding earning assets0.0704%5,132
Net interest margin3.7977%2,504
Noninterest income to average assets2.0624%244
Noninterest expense to average assets4.2444%400
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.9550%2,999
Return on assets (ROA)0.9550%3,080
Pretax return on assets1.3619%2,288
Return on Equity (ROE)9.1844%2,671
Retained earnings to average equity (ytd only)3.5463%3,226
Net charge-offs to loans0.0010%3,692
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)2,323.0000%25
Efficiency ratio75.7085%1,399
Assets per employee ($millions)2.7831%4,916
Cash dividends to net income (ytd only)*61.3874%1,503
Condition Ratios (%)
Loss allowance to loans0.9806%3,607
Loan loss allowance to noncurrent loans26.2660%4,480
Noncurrent assets plus other real estate owned to assets2.2538%314
Noncurrent loans to loans3.7334%205
Net loans and leases to total assets55.2428%3,975
Net loans and leases to deposits62.9064%4,143
Net loans and leases to core deposits63.1711%4,317
Total domestic deposits to total assets87.8175%1,220
Equity capital to assets10.1825%3,749
Core capital (leverage) ratio10.2576%3,232
Tier 1 risk-based capital ratio21.0501%1,157
Total risk-based capital ratio22.2365%1,140
Memoranda:
Average total assets$170,576,0003,106
Average earning assets$159,176,8003,090
Average equity$17,736,6003,364
Average total loans$99,182,2003,238
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9575%4,446
Cost of funding earning assets0.0697%5,209
Net interest margin3.8877%2,301
Noninterest income to average assets2.2028%228
Noninterest expense to average assets4.2449%390
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1179%2,501
Return on assets (ROA)1.1179%2,591
Pretax return on assets1.5859%1,683
Return on Equity (ROE)10.6945%2,141
Retained earnings to average equity (ytd only)3.1949%3,807
Net charge-offs to loans0.0027%3,332
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)1,010.2135%90
Efficiency ratio72.8018%1,727
Assets per employee ($millions)2.8417%4,958
Cash dividends to net income (ytd only)*70.1261%948
Condition Ratios (%)
Loss allowance to loans0.9674%3,749
Loan loss allowance to noncurrent loans26.2382%4,556
Noncurrent assets plus other real estate owned to assets2.3649%313
Noncurrent loans to loans3.6869%203
Net loans and leases to total assets57.5791%3,915
Net loans and leases to deposits65.7110%4,085
Net loans and leases to core deposits65.8239%4,286
Total domestic deposits to total assets87.6248%1,206
Equity capital to assets10.5495%3,504
Core capital (leverage) ratio10.1842%3,441
Tier 1 risk-based capital ratio20.6767%1,238
Total risk-based capital ratio21.8546%1,231
Memoranda:
Average total assets$170,082,2503,145
Average earning assets$158,717,5003,123
Average equity$17,778,2503,385
Average total loans$99,911,2503,268
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9921%4,396
Cost of funding earning assets0.0690%5,254
Net interest margin3.9231%2,176
Noninterest income to average assets2.2599%220
Noninterest expense to average assets4.1898%420
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.2230%2,062
Return on assets (ROA)1.2230%2,121
Pretax return on assets1.7298%1,215
Return on Equity (ROE)11.7359%1,684
Retained earnings to average equity (ytd only)11.7359%439
Net charge-offs to loans0.0040%3,024
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)739.0000%109
Efficiency ratio70.7790%2,102
Assets per employee ($millions)3.0617%4,870
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.9400%3,916
Loan loss allowance to noncurrent loans85.1852%3,564
Noncurrent assets plus other real estate owned to assets0.8894%1,575
Noncurrent loans to loans1.1035%1,481
Net loans and leases to total assets57.9586%3,919
Net loans and leases to deposits66.3666%4,076
Net loans and leases to core deposits66.5903%4,285
Total domestic deposits to total assets87.3309%1,418
Equity capital to assets10.6767%3,361
Core capital (leverage) ratio10.3143%3,272
Tier 1 risk-based capital ratio21.6384%1,100
Total risk-based capital ratio22.8283%1,086
Memoranda:
Average total assets$170,890,3303,153
Average earning assets$159,415,6703,137
Average equity$17,808,6703,381
Average total loans$100,722,0003,278
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9268%4,507
Cost of funding earning assets0.0678%5,317
Net interest margin3.8590%2,317
Noninterest income to average assets2.6095%178
Noninterest expense to average assets4.2296%385
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4021%1,370
Return on assets (ROA)1.4021%1,403
Pretax return on assets1.9835%662
Return on Equity (ROE)13.6219%1,053
Retained earnings to average equity (ytd only)13.6219%387
Net charge-offs to loans0.0159%2,160
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)211.5000%365
Efficiency ratio68.0755%2,627
Assets per employee ($millions)2.8983%5,023
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9278%4,044
Loan loss allowance to noncurrent loans100.4269%3,367
Noncurrent assets plus other real estate owned to assets0.7792%1,810
Noncurrent loans to loans0.9238%1,808
Net loans and leases to total assets57.7850%3,911
Net loans and leases to deposits65.7724%4,070
Net loans and leases to core deposits65.9896%4,279
Total domestic deposits to total assets87.8561%1,411
Equity capital to assets10.2698%3,555
Core capital (leverage) ratio10.1914%3,395
Tier 1 risk-based capital ratio21.0635%1,157
Total risk-based capital ratio22.2491%1,145
Memoranda:
Average total assets$170,607,0003,190
Average earning assets$159,314,5003,175
Average equity$17,560,0003,406
Average total loans$100,924,5003,307
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7326%4,618
Cost of funding earning assets0.0753%5,339
Net interest margin3.6573%3,200
Noninterest income to average assets1.8719%296
Noninterest expense to average assets4.3574%346
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.6439%4,302
Return on assets (ROA)0.6439%4,308
Pretax return on assets0.9284%3,819
Return on Equity (ROE)6.5317%3,995
Retained earnings to average equity (ytd only)2.7034%4,049
Net charge-offs to loans-0.0019%4,231
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4363%756
Assets per employee ($millions)2.6986%5,141
Cash dividends to net income (ytd only)*58.6114%1,560
Condition Ratios (%)
Loss allowance to loans0.9410%3,990
Loan loss allowance to noncurrent loans101.3948%3,399
Noncurrent assets plus other real estate owned to assets0.9049%1,532
Noncurrent loans to loans0.9281%1,732
Net loans and leases to total assets59.4540%3,824
Net loans and leases to deposits67.6197%4,003
Net loans and leases to core deposits67.8517%4,243
Total domestic deposits to total assets87.9240%1,332
Equity capital to assets10.3164%3,358
Core capital (leverage) ratio10.1267%3,426
Tier 1 risk-based capital ratio20.5105%1,224
Total risk-based capital ratio21.7109%1,212
Memoranda:
Average total assets$172,235,0003,149
Average earning assets$160,774,2003,132
Average equity$16,978,8003,394
Average total loans$102,864,0003,245
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6851%4,677
Cost of funding earning assets0.0757%5,399
Net interest margin3.6093%3,337
Noninterest income to average assets1.8877%303
Noninterest expense to average assets4.4450%306
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.5649%4,603
Return on assets (ROA)0.5649%4,609
Pretax return on assets0.8132%4,259
Return on Equity (ROE)5.7959%4,323
Retained earnings to average equity (ytd only)0.6703%4,918
Net charge-offs to loans0.0013%3,454
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)1,060.6241%78
Efficiency ratio84.5344%616
Assets per employee ($millions)2.7180%5,204
Cash dividends to net income (ytd only)*88.4355%409
Condition Ratios (%)
Loss allowance to loans0.9204%4,180
Loan loss allowance to noncurrent loans113.9057%3,232
Noncurrent assets plus other real estate owned to assets0.9325%1,577
Noncurrent loans to loans0.8080%2,090
Net loans and leases to total assets61.1648%3,732
Net loans and leases to deposits69.5084%3,955
Net loans and leases to core deposits69.7489%4,208
Total domestic deposits to total assets87.9962%1,241
Equity capital to assets10.2245%3,426
Core capital (leverage) ratio9.7539%3,894
Tier 1 risk-based capital ratio19.8910%1,357
Total risk-based capital ratio21.0781%1,337
Memoranda:
Average total assets$173,464,7503,154
Average earning assets$161,983,2503,143
Average equity$16,908,2503,426
Average total loans$103,474,7503,269
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5930%4,777
Cost of funding earning assets0.0754%5,453
Net interest margin3.5176%3,575
Noninterest income to average assets1.8702%301
Noninterest expense to average assets4.3609%336
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.5533%4,625
Return on assets (ROA)0.5533%4,626
Pretax return on assets0.7965%4,256
Return on Equity (ROE)5.7655%4,321
Retained earnings to average equity (ytd only)-1.9297%5,140
Net charge-offs to loans0.0058%2,947
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)233.6667%378
Efficiency ratio84.5561%656
Assets per employee ($millions)2.7963%5,220
Cash dividends to net income (ytd only)*133.4702%186
Condition Ratios (%)
Loss allowance to loans0.9011%4,337
Loan loss allowance to noncurrent loans479.5918%1,126
Noncurrent assets plus other real estate owned to assets0.5555%2,568
Noncurrent loans to loans0.1879%4,069
Net loans and leases to total assets59.6279%3,841
Net loans and leases to deposits67.2596%4,077
Net loans and leases to core deposits67.5938%4,279
Total domestic deposits to total assets88.6533%1,074
Equity capital to assets9.6348%3,976
Core capital (leverage) ratio9.2315%4,437
Tier 1 risk-based capital ratio18.9426%1,558
Total risk-based capital ratio20.0881%1,551
Memoranda:
Average total assets$176,020,3303,135
Average earning assets$164,488,3303,124
Average equity$16,893,6703,452
Average total loans$103,849,0003,266
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4457%4,959
Cost of funding earning assets0.0772%5,504
Net interest margin3.3684%3,995
Noninterest income to average assets1.9330%280
Noninterest expense to average assets4.2900%359
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.5503%4,576
Return on assets (ROA)0.5503%4,579
Pretax return on assets0.7917%4,168
Return on Equity (ROE)5.7451%4,239
Retained earnings to average equity (ytd only)5.7451%2,834
Net charge-offs to loans0.0386%1,756
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)35.1000%1,143
Efficiency ratio84.4208%768
Assets per employee ($millions)2.8718%5,240
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8993%4,452
Loan loss allowance to noncurrent loans468.8442%1,161
Noncurrent assets plus other real estate owned to assets0.5339%2,742
Noncurrent loans to loans0.1918%4,105
Net loans and leases to total assets56.8244%4,044
Net loans and leases to deposits63.9519%4,213
Net loans and leases to core deposits64.2556%4,410
Total domestic deposits to total assets88.8550%1,175
Equity capital to assets9.4576%4,129
Core capital (leverage) ratio9.5375%4,025
Tier 1 risk-based capital ratio19.7299%1,389
Total risk-based capital ratio20.8853%1,376
Memoranda:
Average total assets$177,344,5003,161
Average earning assets$165,774,0003,141
Average equity$16,988,5003,479
Average total loans$103,614,5003,293
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3564%5,003
Cost of funding earning assets0.0811%5,547
Net interest margin3.2753%4,231
Noninterest income to average assets1.9159%315
Noninterest expense to average assets4.1302%456
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.3581%4,810
Return on assets (ROA)0.3581%4,831
Pretax return on assets0.8333%4,145
Return on Equity (ROE)3.7345%4,590
Retained earnings to average equity (ytd only)0.7986%4,717
Net charge-offs to loans0.0029%4,008
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)493.3333%176
Efficiency ratio83.2123%839
Assets per employee ($millions)2.7582%5,354
Cash dividends to net income (ytd only)*78.6164%887
Condition Ratios (%)
Loss allowance to loans0.9112%4,412
Loan loss allowance to noncurrent loans297.4763%1,665
Noncurrent assets plus other real estate owned to assets0.6520%2,369
Noncurrent loans to loans0.3063%3,683
Net loans and leases to total assets59.0130%3,921
Net loans and leases to deposits66.5857%4,139
Net loans and leases to core deposits66.9159%4,368
Total domestic deposits to total assets88.6272%1,178
Equity capital to assets9.7062%4,026
Core capital (leverage) ratio9.4887%4,068
Tier 1 risk-based capital ratio19.4236%1,431
Total risk-based capital ratio20.5900%1,422
Memoranda:
Average total assets$177,616,8003,150
Average earning assets$165,266,8003,137
Average equity$17,030,6003,481
Average total loans$104,119,8003,279
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3225%5,080
Cost of funding earning assets0.0819%5,613
Net interest margin3.2406%4,357
Noninterest income to average assets2.0032%310
Noninterest expense to average assets4.1549%424
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.4987%4,733
Return on assets (ROA)0.4987%4,771
Pretax return on assets0.8623%4,168
Return on Equity (ROE)5.2170%4,438
Retained earnings to average equity (ytd only)1.3121%4,881
Net charge-offs to loans0.0051%3,548
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)288.9231%314
Efficiency ratio82.8125%856
Assets per employee ($millions)2.8939%5,328
Cash dividends to net income (ytd only)*74.8507%799
Condition Ratios (%)
Loss allowance to loans0.9036%4,549
Loan loss allowance to noncurrent loans295.2978%1,603
Noncurrent assets plus other real estate owned to assets0.7291%2,321
Noncurrent loans to loans0.3060%3,844
Net loans and leases to total assets59.4999%3,920
Net loans and leases to deposits67.1476%4,172
Net loans and leases to core deposits67.4810%4,382
Total domestic deposits to total assets88.6105%1,065
Equity capital to assets9.8114%4,134
Core capital (leverage) ratio9.3985%4,294
Tier 1 risk-based capital ratio19.1878%1,540
Total risk-based capital ratio20.3367%1,521
Memoranda:
Average total assets$178,579,7503,159
Average earning assets$166,095,5003,150
Average equity$17,071,7503,515
Average total loans$104,278,0003,303
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2166%5,218
Cost of funding earning assets0.0812%5,651
Net interest margin3.1354%4,587
Noninterest income to average assets1.9808%315
Noninterest expense to average assets4.0926%474
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.4683%4,799
Return on assets (ROA)0.4683%4,824
Pretax return on assets0.8023%4,269
Return on Equity (ROE)4.9404%4,498
Retained earnings to average equity (ytd only)4.9404%2,748
Net charge-offs to loans0.0153%2,938
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)90.3750%699
Efficiency ratio83.6092%874
Assets per employee ($millions)2.7968%5,419
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9086%4,607
Loan loss allowance to noncurrent loans288.6154%1,629
Noncurrent assets plus other real estate owned to assets0.7684%2,287
Noncurrent loans to loans0.3148%3,913
Net loans and leases to total assets58.0607%4,026
Net loans and leases to deposits65.5192%4,258
Net loans and leases to core deposits65.8392%4,479
Total domestic deposits to total assets88.6163%1,151
Equity capital to assets9.8127%4,118
Core capital (leverage) ratio9.2230%4,465
Tier 1 risk-based capital ratio19.6139%1,446
Total risk-based capital ratio20.7656%1,430
Memoranda:
Average total assets$180,228,3303,151
Average earning assets$167,506,6703,141
Average equity$17,083,6703,523
Average total loans$104,286,0003,311
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1264%5,338
Cost of funding earning assets0.0804%5,713
Net interest margin3.0460%4,799
Noninterest income to average assets2.0566%302
Noninterest expense to average assets4.0386%518
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4960%4,612
Return on assets (ROA)0.4960%4,633
Pretax return on assets0.8450%3,954
Return on Equity (ROE)5.3238%4,239
Retained earnings to average equity (ytd only)5.3238%2,722
Net charge-offs to loans-0.0114%4,484
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6966%1,094
Assets per employee ($millions)3.0169%5,336
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9214%4,675
Loan loss allowance to noncurrent loans163.6207%2,639
Noncurrent assets plus other real estate owned to assets0.8705%2,128
Noncurrent loans to loans0.5631%3,120
Net loans and leases to total assets55.4524%4,208
Net loans and leases to deposits62.2060%4,419
Net loans and leases to core deposits62.4952%4,618
Total domestic deposits to total assets89.1431%1,083
Equity capital to assets9.2882%4,527
Core capital (leverage) ratio9.1378%4,558
Tier 1 risk-based capital ratio19.4713%1,497
Total risk-based capital ratio20.6413%1,494
Memoranda:
Average total assets$182,242,5003,159
Average earning assets$169,139,0003,142
Average equity$16,980,5003,551
Average total loans$104,808,5003,327
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0928%5,410
Cost of funding earning assets0.1909%5,101
Net interest margin2.9019%5,137
Noninterest income to average assets1.9035%363
Noninterest expense to average assets3.8912%699
Loan and lease loss provision to assets-0.0451%5,575
Net operating income to assets0.4397%4,828
Return on assets (ROA)0.4397%4,913
Pretax return on assets0.7517%4,335
Return on Equity (ROE)4.7147%4,563
Retained earnings to average equity (ytd only)1.7643%4,523
Net charge-offs to loans0.0088%3,970
Credit loss provision to net charge-offs-911.1111%5,282
Earnings coverage of net charge-offs (x)142.6667%445
Efficiency ratio84.6320%950
Assets per employee ($millions)2.8196%5,473
Cash dividends to net income (ytd only)*62.5782%1,649
Condition Ratios (%)
Loss allowance to loans0.8873%4,826
Loan loss allowance to noncurrent loans194.6502%2,300
Noncurrent assets plus other real estate owned to assets0.9011%2,103
Noncurrent loans to loans0.4558%3,519
Net loans and leases to total assets58.5592%4,017
Net loans and leases to deposits65.7003%4,271
Net loans and leases to core deposits66.1838%4,516
Total domestic deposits to total assets89.1308%1,045
Equity capital to assets9.3475%4,430
Core capital (leverage) ratio9.0630%4,665
Tier 1 risk-based capital ratio18.2478%1,790
Total risk-based capital ratio19.3561%1,785
Memoranda:
Average total assets$181,717,0003,149
Average earning assets$168,716,6003,133
Average equity$16,947,0003,559
Average total loans$102,134,6003,349
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0598%5,514
Cost of funding earning assets0.2116%4,960
Net interest margin2.8482%5,274
Noninterest income to average assets1.9659%356
Noninterest expense to average assets3.8439%717
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.4534%4,864
Return on assets (ROA)0.4534%4,946
Pretax return on assets0.7742%4,395
Return on Equity (ROE)4.8643%4,572
Retained earnings to average equity (ytd only)4.8643%2,915
Net charge-offs to loans-0.0092%4,753
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2355%1,051
Assets per employee ($millions)3.1337%5,259
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.0042%4,380
Loan loss allowance to noncurrent loans101.8519%3,580
Noncurrent assets plus other real estate owned to assets1.1169%1,815
Noncurrent loans to loans0.9860%2,271
Net loans and leases to total assets56.6768%4,232
Net loans and leases to deposits65.2857%4,401
Net loans and leases to core deposits65.7751%4,624
Total domestic deposits to total assets86.8136%1,982
Equity capital to assets9.5145%4,645
Core capital (leverage) ratio9.0804%4,745
Tier 1 risk-based capital ratio19.2068%1,627
Total risk-based capital ratio20.4567%1,584
Memoranda:
Average total assets$182,032,5003,156
Average earning assets$169,508,2503,131
Average equity$16,966,7503,582
Average total loans$101,013,5003,373
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0194%5,627
Cost of funding earning assets0.2124%5,014
Net interest margin2.8071%5,414
Noninterest income to average assets1.8614%384
Noninterest expense to average assets3.7919%776
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.3975%5,038
Return on assets (ROA)0.3975%5,117
Pretax return on assets0.6819%4,672
Return on Equity (ROE)4.2947%4,806
Retained earnings to average equity (ytd only)4.2947%3,187
Net charge-offs to loans-0.0100%4,695
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7570%986
Assets per employee ($millions)3.0140%5,415
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0287%4,355
Loan loss allowance to noncurrent loans78.5230%4,153
Noncurrent assets plus other real estate owned to assets1.2890%1,570
Noncurrent loans to loans1.3101%1,726
Net loans and leases to total assets55.4364%4,364
Net loans and leases to deposits63.7913%4,506
Net loans and leases to core deposits64.2711%4,729
Total domestic deposits to total assets86.9026%1,958
Equity capital to assets9.4206%4,849
Core capital (leverage) ratio8.8675%4,983
Tier 1 risk-based capital ratio19.5919%1,538
Total risk-based capital ratio20.8423%1,505
Memoranda:
Average total assets$182,125,0003,170
Average earning assets$169,501,6703,148
Average equity$16,858,0003,606
Average total loans$99,998,6703,408
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9865%5,697
Cost of funding earning assets0.2121%5,082
Net interest margin2.7744%5,512
Noninterest income to average assets1.9194%357
Noninterest expense to average assets3.7862%791
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.4158%4,946
Return on assets (ROA)0.4158%5,022
Pretax return on assets0.7091%4,494
Return on Equity (ROE)4.5322%4,689
Retained earnings to average equity (ytd only)4.5322%3,218
Net charge-offs to loans-0.0121%4,613
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2259%1,133
Assets per employee ($millions)2.9601%5,541
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0540%4,318
Loan loss allowance to noncurrent loans88.8889%3,885
Noncurrent assets plus other real estate owned to assets1.2799%1,689
Noncurrent loans to loans1.1858%2,041
Net loans and leases to total assets53.1957%4,518
Net loans and leases to deposits61.0704%4,643
Net loans and leases to core deposits61.4247%4,850
Total domestic deposits to total assets87.1055%2,155
Equity capital to assets9.1888%4,998
Core capital (leverage) ratio8.8768%4,987
Tier 1 risk-based capital ratio19.6916%1,571
Total risk-based capital ratio20.9423%1,537
Memoranda:
Average total assets$182,768,5003,172
Average earning assets$169,695,5003,156
Average equity$16,769,0003,621
Average total loans$99,352,0003,435
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1765%5,540
Cost of funding earning assets0.2242%5,051
Net interest margin2.9522%5,240
Noninterest income to average assets1.9069%383
Noninterest expense to average assets3.9892%682
Loan and lease loss provision to assets0.0023%4,340
Net operating income to assets0.3754%5,122
Return on assets (ROA)0.3754%5,211
Pretax return on assets0.6465%4,683
Return on Equity (ROE)4.1255%4,890
Retained earnings to average equity (ytd only)-0.4584%5,584
Net charge-offs to loans0.1971%1,483
Credit loss provision to net charge-offs2.0202%3,887
Earnings coverage of net charge-offs (x)5.8131%3,324
Efficiency ratio86.0112%990
Assets per employee ($millions)3.0335%5,494
Cash dividends to net income (ytd only)*111.1111%295
Condition Ratios (%)
Loss allowance to loans1.0366%4,404
Loan loss allowance to noncurrent loans106.2500%3,545
Noncurrent assets plus other real estate owned to assets1.3747%1,526
Noncurrent loans to loans0.9757%2,383
Net loans and leases to total assets54.3918%4,467
Net loans and leases to deposits62.4199%4,601
Net loans and leases to core deposits62.7849%4,814
Total domestic deposits to total assets87.1385%2,056
Equity capital to assets9.1611%4,958
Core capital (leverage) ratio9.0874%4,768
Tier 1 risk-based capital ratio19.4596%1,593
Total risk-based capital ratio20.7103%1,561
Memoranda:
Average total assets$177,404,8003,206
Average earning assets$164,112,4003,199
Average equity$16,143,6003,653
Average total loans$100,441,2003,377
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2159%5,567
Cost of funding earning assets0.2256%5,126
Net interest margin2.9903%5,217
Noninterest income to average assets1.9396%376
Noninterest expense to average assets3.9987%668
Loan and lease loss provision to assets-0.0008%5,778
Net operating income to assets0.4130%5,117
Return on assets (ROA)0.4130%5,205
Pretax return on assets0.7088%4,653
Return on Equity (ROE)4.5467%4,816
Retained earnings to average equity (ytd only)1.2158%5,236
Net charge-offs to loans0.2665%994
Credit loss provision to net charge-offs-0.4975%4,801
Earnings coverage of net charge-offs (x)4.6568%3,320
Efficiency ratio84.9566%1,086
Assets per employee ($millions)2.8647%5,695
Cash dividends to net income (ytd only)*73.2603%919
Condition Ratios (%)
Loss allowance to loans1.0277%4,599
Loan loss allowance to noncurrent loans314.6789%1,546
Noncurrent assets plus other real estate owned to assets1.1356%2,101
Noncurrent loans to loans0.3266%4,437
Net loans and leases to total assets57.6534%4,182
Net loans and leases to deposits67.1325%4,270
Net loans and leases to core deposits67.5540%4,578
Total domestic deposits to total assets85.8800%2,599
Equity capital to assets9.2859%5,020
Core capital (leverage) ratio9.2189%4,704
Tier 1 risk-based capital ratio19.8076%1,600
Total risk-based capital ratio21.0572%1,560
Memoranda:
Average total assets$176,253,7503,248
Average earning assets$163,102,5003,240
Average equity$16,011,0003,709
Average total loans$100,542,7503,414
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2183%5,593
Cost of funding earning assets0.2235%5,216
Net interest margin2.9948%5,234
Noninterest income to average assets1.9526%382
Noninterest expense to average assets3.9739%697
Loan and lease loss provision to assets-0.0011%5,923
Net operating income to assets0.4423%4,997
Return on assets (ROA)0.4423%5,093
Pretax return on assets0.7552%4,472
Return on Equity (ROE)4.9040%4,663
Retained earnings to average equity (ytd only)4.9040%2,919
Net charge-offs to loans-0.0040%4,692
Credit loss provision to net charge-offs50.0000%2,703
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.0514%1,261
Assets per employee ($millions)2.9643%5,635
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.2604%3,453
Loan loss allowance to noncurrent loans109.7061%3,494
Noncurrent assets plus other real estate owned to assets1.1756%2,157
Noncurrent loans to loans1.1489%2,353
Net loans and leases to total assets55.1835%4,429
Net loans and leases to deposits64.0733%4,526
Net loans and leases to core deposits64.4670%4,779
Total domestic deposits to total assets86.1256%2,624
Equity capital to assets9.2675%4,935
Core capital (leverage) ratio9.0749%4,858
Tier 1 risk-based capital ratio20.9417%1,380
Total risk-based capital ratio22.1955%1,344
Memoranda:
Average total assets$177,710,3303,245
Average earning assets$164,683,6703,243
Average equity$16,027,6703,720
Average total loans$100,681,6703,430
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1725%5,694
Cost of funding earning assets0.2220%5,300
Net interest margin2.9506%5,342
Noninterest income to average assets2.1862%324
Noninterest expense to average assets3.9929%701
Loan and lease loss provision to assets-0.0022%6,073
Net operating income to assets0.5471%4,488
Return on assets (ROA)0.5471%4,602
Pretax return on assets0.9268%3,791
Return on Equity (ROE)6.1490%3,957
Retained earnings to average equity (ytd only)6.1490%2,406
Net charge-offs to loans0.0039%3,186
Credit loss provision to net charge-offs-100.0000%4,487
Earnings coverage of net charge-offs (x)414.0000%129
Efficiency ratio81.1989%1,728
Assets per employee ($millions)3.1322%5,505
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2142%3,885
Loan loss allowance to noncurrent loans108.4731%3,486
Noncurrent assets plus other real estate owned to assets1.1372%2,364
Noncurrent loans to loans1.1194%2,537
Net loans and leases to total assets55.0397%4,314
Net loans and leases to deposits63.4466%4,433
Net loans and leases to core deposits63.6510%4,728
Total domestic deposits to total assets86.7495%2,527
Equity capital to assets8.8403%5,453
Core capital (leverage) ratio9.0932%4,854
Tier 1 risk-based capital ratio19.7285%1,684
Total risk-based capital ratio20.9813%1,645
Memoranda:
Average total assets$179,120,0003,249
Average earning assets$165,799,0003,239
Average equity$15,937,5003,755
Average total loans$102,151,0003,413
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3366%5,647
Cost of funding earning assets0.2480%5,348
Net interest margin3.0886%5,235
Noninterest income to average assets2.0082%336
Noninterest expense to average assets3.9802%768
Loan and lease loss provision to assets-0.0057%5,901
Net operating income to assets0.5148%4,755
Return on assets (ROA)0.5148%4,836
Pretax return on assets0.8930%3,932
Return on Equity (ROE)5.6700%4,321
Retained earnings to average equity (ytd only)0.6131%5,495
Net charge-offs to loans-0.0121%5,595
Credit loss provision to net charge-offs83.3333%2,794
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7710%1,688
Assets per employee ($millions)2.9927%5,709
Cash dividends to net income (ytd only)*89.1862%607
Condition Ratios (%)
Loss allowance to loans1.1942%4,037
Loan loss allowance to noncurrent loans90.8487%3,946
Noncurrent assets plus other real estate owned to assets1.2471%2,261
Noncurrent loans to loans1.3145%2,242
Net loans and leases to total assets57.6833%4,090
Net loans and leases to deposits66.6183%4,254
Net loans and leases to core deposits66.8395%4,609
Total domestic deposits to total assets86.5878%2,518
Equity capital to assets8.9567%5,337
Core capital (leverage) ratio9.0119%4,982
Tier 1 risk-based capital ratio19.8136%1,634
Total risk-based capital ratio21.0680%1,607
Memoranda:
Average total assets$174,239,0003,279
Average earning assets$161,303,2003,261
Average equity$15,820,0003,702
Average total loans$99,181,2003,444
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3064%5,756
Cost of funding earning assets0.2508%5,398
Net interest margin3.0556%5,372
Noninterest income to average assets2.1229%310
Noninterest expense to average assets4.0078%746
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.5497%4,675
Return on assets (ROA)0.5497%4,753
Pretax return on assets0.9497%3,792
Return on Equity (ROE)6.0339%4,214
Retained earnings to average equity (ytd only)-0.7079%5,910
Net charge-offs to loans-0.0122%5,479
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8425%1,782
Assets per employee ($millions)2.7908%5,980
Cash dividends to net income (ytd only)*111.7322%253
Condition Ratios (%)
Loss allowance to loans1.1660%4,405
Loan loss allowance to noncurrent loans94.5760%3,805
Noncurrent assets plus other real estate owned to assets1.2460%2,466
Noncurrent loans to loans1.2328%2,577
Net loans and leases to total assets60.6483%3,682
Net loans and leases to deposits70.0920%3,909
Net loans and leases to core deposits70.5713%4,276
Total domestic deposits to total assets86.5268%2,576
Equity capital to assets9.2330%5,108
Core capital (leverage) ratio9.1095%4,919
Tier 1 risk-based capital ratio19.2092%1,856
Total risk-based capital ratio20.4625%1,823
Memoranda:
Average total assets$173,656,0003,316
Average earning assets$161,098,0003,291
Average equity$15,821,2503,713
Average total loans$98,205,7503,486
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2380%5,888
Cost of funding earning assets0.2519%5,465
Net interest margin2.9861%5,565
Noninterest income to average assets2.2535%289
Noninterest expense to average assets3.9767%786
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.6085%4,320
Return on assets (ROA)0.6085%4,413
Pretax return on assets1.0445%3,302
Return on Equity (ROE)6.7091%3,773
Retained earnings to average equity (ytd only)-3.4370%6,133
Net charge-offs to loans-0.0126%5,388
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1982%2,136
Assets per employee ($millions)2.7046%6,129
Cash dividends to net income (ytd only)*151.2287%209
Condition Ratios (%)
Loss allowance to loans1.2487%4,173
Loan loss allowance to noncurrent loans93.7026%3,782
Noncurrent assets plus other real estate owned to assets1.2508%2,606
Noncurrent loans to loans1.3327%2,585
Net loans and leases to total assets56.4224%4,217
Net loans and leases to deposits65.0480%4,370
Net loans and leases to core deposits65.4912%4,684
Total domestic deposits to total assets86.7397%2,614
Equity capital to assets9.1221%5,183
Core capital (leverage) ratio8.9975%5,020
Tier 1 risk-based capital ratio20.1331%1,655
Total risk-based capital ratio21.3874%1,624
Memoranda:
Average total assets$173,864,0003,322
Average earning assets$161,148,0003,305
Average equity$15,769,6703,727
Average total loans$95,548,0003,550
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1823%6,029
Cost of funding earning assets0.2524%5,558
Net interest margin2.9299%5,691
Noninterest income to average assets2.0408%327
Noninterest expense to average assets3.9714%788
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.4568%4,906
Return on assets (ROA)0.4568%4,974
Pretax return on assets0.7874%4,159
Return on Equity (ROE)5.0509%4,528
Retained earnings to average equity (ytd only)-15.2543%6,472
Net charge-offs to loans-0.0128%5,138
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4539%1,739
Assets per employee ($millions)2.7648%6,143
Cash dividends to net income (ytd only)*402.0101%72
Condition Ratios (%)
Loss allowance to loans1.3141%4,048
Loan loss allowance to noncurrent loans92.0777%3,816
Noncurrent assets plus other real estate owned to assets1.4016%2,538
Noncurrent loans to loans1.4272%2,643
Net loans and leases to total assets52.2877%4,640
Net loans and leases to deposits59.9755%4,764
Net loans and leases to core deposits60.3731%5,002
Total domestic deposits to total assets87.1818%2,717
Equity capital to assets8.7367%5,413
Core capital (leverage) ratio8.6313%5,491
Tier 1 risk-based capital ratio20.2107%1,669
Total risk-based capital ratio21.4653%1,633
Memoranda:
Average total assets$174,248,0003,344
Average earning assets$161,645,5003,327
Average equity$15,759,5003,741
Average total loans$93,872,0003,611
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3343%5,943
Cost of funding earning assets0.2780%5,775
Net interest margin3.0563%5,441
Noninterest income to average assets2.0120%385
Noninterest expense to average assets4.1707%717
Loan and lease loss provision to assets-0.0046%6,258
Net operating income to assets0.3783%5,228
Return on assets (ROA)0.3783%5,343
Pretax return on assets0.6610%4,661
Return on Equity (ROE)4.1215%5,047
Retained earnings to average equity (ytd only)0.3345%5,696
Net charge-offs to loans0.0533%4,477
Credit loss provision to net charge-offs-16.3265%5,704
Earnings coverage of net charge-offs (x)23.1224%1,425
Efficiency ratio86.4018%1,377
Assets per employee ($millions)2.6393%6,280
Cash dividends to net income (ytd only)*91.8836%597
Condition Ratios (%)
Loss allowance to loans1.1469%4,926
Loan loss allowance to noncurrent loans75.3846%4,322
Noncurrent assets plus other real estate owned to assets1.6088%2,306
Noncurrent loans to loans1.5214%2,613
Net loans and leases to total assets54.1608%4,563
Net loans and leases to deposits62.6925%4,654
Net loans and leases to core deposits63.1248%4,960
Total domestic deposits to total assets86.3913%3,049
Equity capital to assets9.3616%4,601
Core capital (leverage) ratio9.1407%4,799
Tier 1 risk-based capital ratio20.5410%1,530
Total risk-based capital ratio21.7963%1,506
Memoranda:
Average total assets$172,610,6003,373
Average earning assets$158,985,0003,364
Average equity$15,843,8003,729
Average total loans$92,017,4003,641
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3402%5,989
Cost of funding earning assets0.2808%5,881
Net interest margin3.0594%5,436
Noninterest income to average assets2.0847%396
Noninterest expense to average assets4.1755%704
Loan and lease loss provision to assets-0.0216%6,493
Net operating income to assets0.4288%5,116
Return on assets (ROA)0.4288%5,265
Pretax return on assets0.7458%4,501
Return on Equity (ROE)4.6949%4,876
Retained earnings to average equity (ytd only)-0.3716%6,017
Net charge-offs to loans0.0758%3,860
Credit loss provision to net charge-offs-53.8462%5,720
Earnings coverage of net charge-offs (x)18.0581%1,703
Efficiency ratio85.2196%1,442
Assets per employee ($millions)2.6088%6,376
Cash dividends to net income (ytd only)*107.9144%330
Condition Ratios (%)
Loss allowance to loans1.1454%5,137
Loan loss allowance to noncurrent loans82.0373%3,989
Noncurrent assets plus other real estate owned to assets1.6719%2,458
Noncurrent loans to loans1.3962%3,080
Net loans and leases to total assets53.6955%4,661
Net loans and leases to deposits62.2916%4,714
Net loans and leases to core deposits62.7267%5,042
Total domestic deposits to total assets86.2003%3,137
Equity capital to assets9.2759%4,831
Core capital (leverage) ratio9.1672%4,878
Tier 1 risk-based capital ratio21.2525%1,444
Total risk-based capital ratio22.5077%1,410
Memoranda:
Average total assets$172,875,2503,393
Average earning assets$159,067,7503,390
Average equity$15,789,7503,776
Average total loans$91,523,7503,677
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3441%6,012
Cost of funding earning assets0.2826%5,964
Net interest margin3.0615%5,393
Noninterest income to average assets2.1463%403
Noninterest expense to average assets4.1695%722
Loan and lease loss provision to assets-0.0322%6,617
Net operating income to assets0.4748%4,905
Return on assets (ROA)0.4748%5,087
Pretax return on assets0.8231%4,231
Return on Equity (ROE)5.2245%4,606
Retained earnings to average equity (ytd only)-2.3656%6,232
Net charge-offs to loans-0.0044%5,615
Credit loss provision to net charge-offs1,400.0000%227
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.0556%1,627
Assets per employee ($millions)2.6247%6,379
Cash dividends to net income (ytd only)*145.2785%222
Condition Ratios (%)
Loss allowance to loans1.2143%4,910
Loan loss allowance to noncurrent loans87.3228%3,799
Noncurrent assets plus other real estate owned to assets1.5598%2,775
Noncurrent loans to loans1.3905%3,219
Net loans and leases to total assets52.0831%4,851
Net loans and leases to deposits60.1063%4,969
Net loans and leases to core deposits60.5151%5,222
Total domestic deposits to total assets86.6516%3,026
Equity capital to assets9.0021%5,214
Core capital (leverage) ratio8.8827%5,170
Tier 1 risk-based capital ratio21.3277%1,416
Total risk-based capital ratio22.5837%1,388
Memoranda:
Average total assets$173,977,3303,391
Average earning assets$159,922,6703,400
Average equity$15,810,0003,800
Average total loans$91,329,6703,692
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3451%6,052
Cost of funding earning assets0.2900%6,042
Net interest margin3.0551%5,411
Noninterest income to average assets2.3722%340
Noninterest expense to average assets4.1525%752
Loan and lease loss provision to assets-0.0390%6,778
Net operating income to assets0.6194%4,123
Return on assets (ROA)0.6194%4,283
Pretax return on assets1.0622%3,101
Return on Equity (ROE)6.7848%3,603
Retained earnings to average equity (ytd only)6.7848%2,259
Net charge-offs to loans-0.0044%5,244
Credit loss provision to net charge-offs1,700.0000%189
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.2305%2,297
Assets per employee ($millions)2.6624%6,442
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2263%5,063
Loan loss allowance to noncurrent loans85.2247%3,777
Noncurrent assets plus other real estate owned to assets1.7502%2,670
Noncurrent loans to loans1.4389%3,409
Net loans and leases to total assets50.5275%4,913
Net loans and leases to deposits58.2239%5,004
Net loans and leases to core deposits58.6074%5,280
Total domestic deposits to total assets86.7814%3,082
Equity capital to assets8.9994%5,485
Core capital (leverage) ratio8.8804%5,082
Tier 1 risk-based capital ratio21.8541%1,358
Total risk-based capital ratio23.1112%1,329
Memoranda:
Average total assets$174,352,5003,426
Average earning assets$159,995,0003,429
Average equity$15,918,0003,831
Average total loans$91,329,0003,711
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9440%5,459
Cost of funding earning assets0.3630%6,142
Net interest margin3.5811%4,177
Noninterest income to average assets2.4484%327
Noninterest expense to average assets4.3753%637
Loan and lease loss provision to assets0.1479%3,757
Net operating income to assets0.7039%3,716
Return on assets (ROA)0.7039%3,972
Pretax return on assets1.1651%2,926
Return on Equity (ROE)7.4777%3,354
Retained earnings to average equity (ytd only)4.9125%2,758
Net charge-offs to loans0.0943%4,729
Credit loss provision to net charge-offs266.3043%904
Earnings coverage of net charge-offs (x)23.6413%1,209
Efficiency ratio76.9182%2,605
Assets per employee ($millions)2.5422%6,581
Cash dividends to net income (ytd only)*34.3053%3,173
Condition Ratios (%)
Loss allowance to loans1.2417%4,919
Loan loss allowance to noncurrent loans88.3268%3,655
Noncurrent assets plus other real estate owned to assets1.8999%2,569
Noncurrent loans to loans1.4058%3,491
Net loans and leases to total assets53.0004%4,757
Net loans and leases to deposits61.3996%4,852
Net loans and leases to core deposits61.7195%5,186
Total domestic deposits to total assets86.3204%3,190
Equity capital to assets9.2663%5,186
Core capital (leverage) ratio9.1351%4,682
Tier 1 risk-based capital ratio21.3303%1,392
Total risk-based capital ratio22.5865%1,367
Memoranda:
Average total assets$165,656,4003,526
Average earning assets$149,871,4003,553
Average equity$15,593,0003,843
Average total loans$97,607,2003,581
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0381%5,409
Cost of funding earning assets0.3745%6,257
Net interest margin3.6636%3,953
Noninterest income to average assets2.4958%312
Noninterest expense to average assets4.4071%598
Loan and lease loss provision to assets0.1962%3,127
Net operating income to assets0.7376%3,747
Return on assets (ROA)0.7376%4,001
Pretax return on assets1.1988%2,993
Return on Equity (ROE)7.8048%3,367
Retained earnings to average equity (ytd only)4.3741%3,810
Net charge-offs to loans0.1251%4,125
Credit loss provision to net charge-offs260.2151%1,060
Earnings coverage of net charge-offs (x)18.5049%1,552
Efficiency ratio75.9570%2,689
Assets per employee ($millions)2.4462%6,743
Cash dividends to net income (ytd only)*43.9562%1,982
Condition Ratios (%)
Loss allowance to loans1.1513%5,512
Loan loss allowance to noncurrent loans87.4034%3,608
Noncurrent assets plus other real estate owned to assets2.4759%2,136
Noncurrent loans to loans1.3172%3,836
Net loans and leases to total assets59.2478%3,923
Net loans and leases to deposits68.8412%4,054
Net loans and leases to core deposits69.2146%4,588
Total domestic deposits to total assets86.0645%3,217
Equity capital to assets9.6383%5,012
Core capital (leverage) ratio9.3646%4,482
Tier 1 risk-based capital ratio19.4057%1,894
Total risk-based capital ratio20.6600%1,871
Memoranda:
Average total assets$164,488,7503,578
Average earning assets$148,447,7503,619
Average equity$15,545,5003,889
Average total loans$99,156,7503,585
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0601%5,458
Cost of funding earning assets0.3849%6,352
Net interest margin3.6752%3,943
Noninterest income to average assets2.5855%286
Noninterest expense to average assets4.4035%599
Loan and lease loss provision to assets0.2854%2,292
Net operating income to assets0.7384%3,655
Return on assets (ROA)0.7384%3,932
Pretax return on assets1.2011%2,920
Return on Equity (ROE)7.8646%3,315
Retained earnings to average equity (ytd only)2.6905%4,831
Net charge-offs to loans0.1950%3,415
Credit loss provision to net charge-offs242.2680%1,182
Earnings coverage of net charge-offs (x)12.6186%1,860
Efficiency ratio74.7629%2,941
Assets per employee ($millions)2.4637%6,793
Cash dividends to net income (ytd only)*65.7895%1,202
Condition Ratios (%)
Loss allowance to loans1.1462%5,583
Loan loss allowance to noncurrent loans85.5505%3,597
Noncurrent assets plus other real estate owned to assets3.0151%1,827
Noncurrent loans to loans1.3398%3,915
Net loans and leases to total assets58.4634%4,089
Net loans and leases to deposits67.6364%4,263
Net loans and leases to core deposits67.9991%4,786
Total domestic deposits to total assets86.4378%3,108
Equity capital to assets9.3852%5,212
Core capital (leverage) ratio8.9729%4,951
Tier 1 risk-based capital ratio18.5956%2,103
Total risk-based capital ratio19.8504%2,061
Memoranda:
Average total assets$164,685,6703,594
Average earning assets$148,074,3303,642
Average equity$15,461,6703,898
Average total loans$99,463,3303,588
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0081%5,736
Cost of funding earning assets0.3922%6,446
Net interest margin3.6159%4,198
Noninterest income to average assets3.0566%235
Noninterest expense to average assets4.4208%586
Loan and lease loss provision to assets0.6006%956
Net operating income to assets0.7854%3,443
Return on assets (ROA)0.7854%3,683
Pretax return on assets1.2864%2,587
Return on Equity (ROE)8.3644%3,116
Retained earnings to average equity (ytd only)8.3644%1,832
Net charge-offs to loans0.3865%2,145
Credit loss provision to net charge-offs254.6392%1,124
Earnings coverage of net charge-offs (x)8.0000%2,011
Efficiency ratio70.0848%3,790
Assets per employee ($millions)2.5579%6,793
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1580%5,684
Loan loss allowance to noncurrent loans72.9852%3,925
Noncurrent assets plus other real estate owned to assets2.9315%1,971
Noncurrent loans to loans1.5866%3,736
Net loans and leases to total assets57.2359%4,176
Net loans and leases to deposits66.0508%4,370
Net loans and leases to core deposits66.3957%4,873
Total domestic deposits to total assets86.6543%3,143
Equity capital to assets9.2448%5,169
Core capital (leverage) ratio8.8379%5,088
Tier 1 risk-based capital ratio18.6716%2,088
Total risk-based capital ratio19.9261%2,056
Memoranda:
Average total assets$164,494,0003,608
Average earning assets$147,902,0003,658
Average equity$15,446,5003,903
Average total loans$100,383,0003,588
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3239%5,682
Cost of funding earning assets0.5275%6,425
Net interest margin3.7964%3,833
Noninterest income to average assets2.0299%368
Noninterest expense to average assets4.2344%777
Loan and lease loss provision to assets0.0188%6,337
Net operating income to assets0.7722%3,166
Return on assets (ROA)0.7722%3,328
Pretax return on assets1.2265%2,364
Return on Equity (ROE)8.3271%2,753
Retained earnings to average equity (ytd only)8.3271%976
Net charge-offs to loans0.1319%5,095
Credit loss provision to net charge-offs21.5827%5,896
Earnings coverage of net charge-offs (x)14.3165%1,465
Efficiency ratio77.2753%2,700
Assets per employee ($millions)2.4268%6,897
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.8174%6,702
Loan loss allowance to noncurrent loans36.4818%5,810
Noncurrent assets plus other real estate owned to assets3.0961%1,933
Noncurrent loans to loans2.2406%2,909
Net loans and leases to total assets63.7870%3,238
Net loans and leases to deposits74.0802%3,490
Net loans and leases to core deposits74.6066%4,158
Total domestic deposits to total assets86.1053%3,258
Equity capital to assets9.5437%4,808
Core capital (leverage) ratio9.2855%4,354
Tier 1 risk-based capital ratio17.8053%2,264
Total risk-based capital ratio18.8181%2,325
Memoranda:
Average total assets$159,810,4003,632
Average earning assets$145,216,2003,652
Average equity$14,819,0003,950
Average total loans$105,422,0003,488
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4260%5,519
Cost of funding earning assets0.5473%6,524
Net interest margin3.8787%3,484
Noninterest income to average assets1.9225%408
Noninterest expense to average assets4.2064%788
Loan and lease loss provision to assets0.0751%5,510
Net operating income to assets0.7354%3,450
Return on assets (ROA)0.7354%3,627
Pretax return on assets1.1729%2,731
Return on Equity (ROE)7.9895%3,042
Retained earnings to average equity (ytd only)7.9895%1,512
Net charge-offs to loans-0.0013%6,657
Credit loss provision to net charge-offs-9,000.0000%6,910
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1197%2,662
Assets per employee ($millions)2.3117%7,072
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9529%6,447
Loan loss allowance to noncurrent loans41.7134%5,520
Noncurrent assets plus other real estate owned to assets1.5891%3,705
Noncurrent loans to loans2.2843%3,016
Net loans and leases to total assets68.9025%2,297
Net loans and leases to deposits81.1095%2,510
Net loans and leases to core deposits81.7030%3,372
Total domestic deposits to total assets84.9500%3,787
Equity capital to assets9.6555%4,845
Core capital (leverage) ratio9.2451%4,551
Tier 1 risk-based capital ratio16.9067%2,674
Total risk-based capital ratio18.1245%2,660
Memoranda:
Average total assets$159,720,7503,656
Average earning assets$145,441,2503,673
Average equity$14,702,2503,983
Average total loans$106,025,2503,502
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3648%5,806
Cost of funding earning assets0.5689%6,592
Net interest margin3.7959%3,800
Noninterest income to average assets1.8111%413
Noninterest expense to average assets4.1741%852
Loan and lease loss provision to assets0.0747%5,380
Net operating income to assets0.6328%3,899
Return on assets (ROA)0.6328%4,021
Pretax return on assets1.0114%3,200
Return on Equity (ROE)6.9859%3,453
Retained earnings to average equity (ytd only)6.9859%1,883
Net charge-offs to loans-0.0019%6,527
Credit loss provision to net charge-offs-6,000.0000%6,783
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3512%2,498
Assets per employee ($millions)2.3538%7,066
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.9643%6,469
Loan loss allowance to noncurrent loans206.1100%1,490
Noncurrent assets plus other real estate owned to assets0.7102%5,487
Noncurrent loans to loans0.4679%5,972
Net loans and leases to total assets65.9011%3,050
Net loans and leases to deposits77.2679%3,255
Net loans and leases to core deposits77.8263%4,074
Total domestic deposits to total assets85.2891%3,733
Equity capital to assets9.3858%5,007
Core capital (leverage) ratio8.9784%4,757
Tier 1 risk-based capital ratio16.4515%2,769
Total risk-based capital ratio17.6328%2,753
Memoranda:
Average total assets$160,562,3303,678
Average earning assets$145,893,3303,694
Average equity$14,543,6703,999
Average total loans$104,915,6703,562
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3177%5,963
Cost of funding earning assets0.5911%6,642
Net interest margin3.7266%3,965
Noninterest income to average assets1.9409%371
Noninterest expense to average assets4.2472%773
Loan and lease loss provision to assets0.0741%5,072
Net operating income to assets0.6223%3,909
Return on assets (ROA)0.6223%3,978
Pretax return on assets0.9976%3,138
Return on Equity (ROE)6.9930%3,382
Retained earnings to average equity (ytd only)6.9930%2,146
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8514%2,563
Assets per employee ($millions)2.4176%7,086
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.9304%6,621
Loan loss allowance to noncurrent loans144.9040%2,048
Noncurrent assets plus other real estate owned to assets0.9544%4,990
Noncurrent loans to loans0.6421%5,750
Net loans and leases to total assets63.5412%3,530
Net loans and leases to deposits73.8370%3,784
Net loans and leases to core deposits74.3420%4,503
Total domestic deposits to total assets86.0561%3,491
Equity capital to assets8.8440%5,423
Core capital (leverage) ratio8.4463%5,551
Tier 1 risk-based capital ratio16.0076%2,897
Total risk-based capital ratio17.1436%2,929
Memoranda:
Average total assets$161,990,5003,669
Average earning assets$146,837,5003,703
Average equity$14,414,5004,018
Average total loans$104,902,5003,601
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8077%5,380
Cost of funding earning assets0.7905%6,609
Net interest margin4.0172%2,942
Noninterest income to average assets2.2266%333
Noninterest expense to average assets4.3459%769
Loan and lease loss provision to assets0.0194%6,919
Net operating income to assets0.9459%2,214
Return on assets (ROA)0.9459%2,344
Pretax return on assets1.5213%1,322
Return on Equity (ROE)10.3022%1,818
Retained earnings to average equity (ytd only)3.6125%3,333
Net charge-offs to loans0.0110%6,720
Credit loss provision to net charge-offs250.0000%1,132
Earnings coverage of net charge-offs (x)198.5833%125
Efficiency ratio73.8276%3,434
Assets per employee ($millions)2.3469%7,175
Cash dividends to net income (ytd only)*64.9351%1,427
Condition Ratios (%)
Loss allowance to loans0.9112%6,696
Loan loss allowance to noncurrent loans195.6790%1,523
Noncurrent assets plus other real estate owned to assets0.8635%5,282
Noncurrent loans to loans0.4657%6,114
Net loans and leases to total assets64.8016%3,711
Net loans and leases to deposits75.4430%3,932
Net loans and leases to core deposits75.9728%4,718
Total domestic deposits to total assets85.8948%3,414
Equity capital to assets8.9544%5,209
Core capital (leverage) ratio8.5337%5,297
Tier 1 risk-based capital ratio16.0726%2,715
Total risk-based capital ratio17.2003%2,731
Memoranda:
Average total assets$154,674,0003,799
Average earning assets$140,919,2003,797
Average equity$14,200,8004,105
Average total loans$108,664,4003,578
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8447%5,493
Cost of funding earning assets0.8257%6,669
Net interest margin4.0190%3,013
Noninterest income to average assets2.2539%316
Noninterest expense to average assets4.3854%670
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.9671%2,347
Return on assets (ROA)0.9671%2,471
Pretax return on assets1.5440%1,492
Return on Equity (ROE)10.4663%1,952
Retained earnings to average equity (ytd only)5.7644%2,504
Net charge-offs to loans0.0158%6,460
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)136.7149%235
Efficiency ratio73.9596%3,331
Assets per employee ($millions)2.3115%7,297
Cash dividends to net income (ytd only)*44.9237%1,858
Condition Ratios (%)
Loss allowance to loans0.8500%6,890
Loan loss allowance to noncurrent loans136.0947%2,078
Noncurrent assets plus other real estate owned to assets1.0990%4,914
Noncurrent loans to loans0.6246%5,958
Net loans and leases to total assets69.2927%2,902
Net loans and leases to deposits81.8018%3,146
Net loans and leases to core deposits82.3998%4,185
Total domestic deposits to total assets84.7080%3,768
Equity capital to assets9.3613%5,035
Core capital (leverage) ratio8.8720%4,889
Tier 1 risk-based capital ratio15.6604%2,922
Total risk-based capital ratio16.7140%2,986
Memoranda:
Average total assets$153,445,7503,867
Average earning assets$140,329,7503,863
Average equity$14,178,5004,168
Average total loans$109,739,0003,606
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7998%5,799
Cost of funding earning assets0.8359%6,804
Net interest margin3.9640%3,189
Noninterest income to average assets2.2187%305
Noninterest expense to average assets4.4139%639
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.9021%2,547
Return on assets (ROA)0.9021%2,662
Pretax return on assets1.4382%1,731
Return on Equity (ROE)9.8067%2,173
Retained earnings to average equity (ytd only)2.7004%4,419
Net charge-offs to loans-0.0018%7,067
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4245%3,175
Assets per employee ($millions)2.2413%7,403
Cash dividends to net income (ytd only)*72.4638%962
Condition Ratios (%)
Loss allowance to loans0.8337%6,951
Loan loss allowance to noncurrent loans80.1029%3,382
Noncurrent assets plus other real estate owned to assets0.8445%5,427
Noncurrent loans to loans1.0408%5,224
Net loans and leases to total assets71.8358%2,446
Net loans and leases to deposits85.8445%2,530
Net loans and leases to core deposits86.4767%3,770
Total domestic deposits to total assets83.6812%4,253
Equity capital to assets9.0954%5,301
Core capital (leverage) ratio8.6237%5,200
Tier 1 risk-based capital ratio14.8851%3,219
Total risk-based capital ratio15.9324%3,311
Memoranda:
Average total assets$152,970,3303,903
Average earning assets$140,213,3303,899
Average equity$14,072,0004,187
Average total loans$110,240,3303,630
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7900%5,924
Cost of funding earning assets0.8550%6,923
Net interest margin3.9351%3,174
Noninterest income to average assets2.5636%248
Noninterest expense to average assets4.4883%586
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.0465%2,018
Return on assets (ROA)1.0465%2,079
Pretax return on assets1.6696%1,117
Return on Equity (ROE)11.3108%1,689
Retained earnings to average equity (ytd only)11.3108%862
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8864%3,778
Assets per employee ($millions)2.3197%7,438
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8448%7,007
Loan loss allowance to noncurrent loans105.7823%2,624
Noncurrent assets plus other real estate owned to assets0.6576%5,872
Noncurrent loans to loans0.7986%5,718
Net loans and leases to total assets70.4607%2,810
Net loans and leases to deposits84.1789%2,910
Net loans and leases to core deposits85.9981%3,895
Total domestic deposits to total assets83.7035%4,299
Equity capital to assets9.1841%5,007
Core capital (leverage) ratio8.7164%4,994
Tier 1 risk-based capital ratio15.3321%2,952
Total risk-based capital ratio16.3928%3,002
Memoranda:
Average total assets$152,130,5003,979
Average earning assets$138,955,0003,986
Average equity$14,075,0004,225
Average total loans$109,346,5003,697
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2353%5,485
Cost of funding earning assets1.2531%6,462
Net interest margin3.9822%2,931
Noninterest income to average assets2.4428%281
Noninterest expense to average assets4.6862%658
Loan and lease loss provision to assets0.0410%7,137
Net operating income to assets0.8319%2,408
Return on assets (ROA)0.9758%1,982
Pretax return on assets1.5559%1,065
Return on Equity (ROE)10.1344%1,651
Retained earnings to average equity (ytd only)-3.7046%5,824
Net charge-offs to loans0.0045%7,183
Credit loss provision to net charge-offs1,200.0000%255
Earnings coverage of net charge-offs (x)401.6000%71
Efficiency ratio77.3517%3,300
Assets per employee ($millions)2.1571%7,606
Cash dividends to net income (ytd only)*136.5546%330
Condition Ratios (%)
Loss allowance to loans0.8619%6,949
Loan loss allowance to noncurrent loans235.0126%1,273
Noncurrent assets plus other real estate owned to assets0.3608%6,545
Noncurrent loans to loans0.3667%6,545
Net loans and leases to total assets72.1018%2,733
Net loans and leases to deposits86.7033%2,801
Net loans and leases to core deposits94.2576%4,649
Total domestic deposits to total assets83.1592%4,447
Equity capital to assets9.3227%4,675
Core capital (leverage) ratio8.9731%4,469
Tier 1 risk-based capital ratio15.3763%2,769
Total risk-based capital ratio16.4539%2,803
Memoranda:
Average total assets$146,346,0004,011
Average earning assets$132,866,4004,034
Average equity$14,090,6004,228
Average total loans$111,144,4003,663
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2984%5,432
Cost of funding earning assets1.3417%6,424
Net interest margin3.9567%3,005
Noninterest income to average assets2.5198%265
Noninterest expense to average assets4.8090%559
Loan and lease loss provision to assets0.0549%6,820
Net operating income to assets0.7818%2,890
Return on assets (ROA)0.9744%2,204
Pretax return on assets1.5481%1,284
Return on Equity (ROE)10.0391%1,896
Retained earnings to average equity (ytd only)-3.6292%6,051
Net charge-offs to loans0.0048%6,906
Credit loss provision to net charge-offs1,500.0000%257
Earnings coverage of net charge-offs (x)355.9644%106
Efficiency ratio78.6944%3,051
Assets per employee ($millions)2.0466%7,762
Cash dividends to net income (ytd only)*136.1510%330
Condition Ratios (%)
Loss allowance to loans0.8621%6,917
Loan loss allowance to noncurrent loans747.2000%465
Noncurrent assets plus other real estate owned to assets0.6143%5,913
Noncurrent loans to loans0.1154%7,188
Net loans and leases to total assets74.9696%2,253
Net loans and leases to deposits92.7439%2,109
Net loans and leases to core deposits99.1324%4,470
Total domestic deposits to total assets80.8351%5,142
Equity capital to assets9.7891%4,363
Core capital (leverage) ratio9.4199%4,021
Tier 1 risk-based capital ratio15.4743%2,841
Total risk-based capital ratio16.5489%2,857
Memoranda:
Average total assets$145,722,2504,045
Average earning assets$132,262,0004,063
Average equity$14,144,2504,254
Average total loans$111,868,0003,692
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3567%5,371
Cost of funding earning assets1.4253%6,397
Net interest margin3.9313%2,970
Noninterest income to average assets2.5522%258
Noninterest expense to average assets4.7986%594
Loan and lease loss provision to assets0.0819%6,365
Net operating income to assets0.7703%2,969
Return on assets (ROA)1.0577%1,997
Pretax return on assets1.6855%1,042
Return on Equity (ROE)10.9276%1,718
Retained earnings to average equity (ytd only)-9.5175%6,822
Net charge-offs to loans0.0035%6,571
Credit loss provision to net charge-offs3,000.0000%164
Earnings coverage of net charge-offs (x)483.0000%64
Efficiency ratio78.4471%3,286
Assets per employee ($millions)2.0471%7,820
Cash dividends to net income (ytd only)*187.0968%250
Condition Ratios (%)
Loss allowance to loans0.8510%6,979
Loan loss allowance to noncurrent loans350.5618%904
Noncurrent assets plus other real estate owned to assets0.6934%5,679
Noncurrent loans to loans0.2428%6,905
Net loans and leases to total assets73.9852%2,704
Net loans and leases to deposits92.3986%2,394
Net loans and leases to core deposits98.8748%4,611
Total domestic deposits to total assets80.0718%5,448
Equity capital to assets9.3175%4,844
Core capital (leverage) ratio8.9578%4,701
Tier 1 risk-based capital ratio14.9701%3,030
Total risk-based capital ratio16.0349%3,040
Memoranda:
Average total assets$146,542,3304,061
Average earning assets$132,881,3304,085
Average equity$14,184,3304,265
Average total loans$113,045,0003,699
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4535%5,163
Cost of funding earning assets1.4972%6,407
Net interest margin3.9563%2,830
Noninterest income to average assets2.3187%278
Noninterest expense to average assets4.6483%619
Loan and lease loss provision to assets0.1642%4,829
Net operating income to assets0.6692%3,712
Return on assets (ROA)1.2456%1,627
Pretax return on assets1.9874%676
Return on Equity (ROE)12.6301%1,477
Retained earnings to average equity (ytd only)0.1388%5,605
Net charge-offs to loans0.0070%5,586
Credit loss provision to net charge-offs3,000.0000%208
Earnings coverage of net charge-offs (x)228.5000%185
Efficiency ratio78.7935%3,034
Assets per employee ($millions)2.0559%7,851
Cash dividends to net income (ytd only)*98.9011%775
Condition Ratios (%)
Loss allowance to loans0.8267%7,058
Loan loss allowance to noncurrent loans305.8824%1,105
Noncurrent assets plus other real estate owned to assets0.8989%4,937
Noncurrent loans to loans0.2703%6,759
Net loans and leases to total assets74.8204%2,550
Net loans and leases to deposits93.3067%2,383
Net loans and leases to core deposits101.0466%4,433
Total domestic deposits to total assets80.1876%5,292
Equity capital to assets9.6030%4,524
Core capital (leverage) ratio9.2513%4,317
Tier 1 risk-based capital ratio15.4319%2,881
Total risk-based capital ratio16.4756%2,912
Memoranda:
Average total assets$146,119,0004,074
Average earning assets$132,246,0004,102
Average equity$14,410,0004,245
Average total loans$114,576,5003,682
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1276%4,911
Cost of funding earning assets1.9610%6,532
Net interest margin4.1665%2,447
Noninterest income to average assets2.1865%299
Noninterest expense to average assets4.6707%784
Loan and lease loss provision to assets0.0922%6,215
Net operating income to assets0.7507%3,664
Return on assets (ROA)0.8363%3,123
Pretax return on assets1.3129%2,269
Return on Equity (ROE)8.5641%2,805
Retained earnings to average equity (ytd only)5.6806%1,676
Net charge-offs to loans0.1796%4,400
Credit loss provision to net charge-offs63.5922%6,181
Earnings coverage of net charge-offs (x)8.7670%2,824
Efficiency ratio78.6044%2,823
Assets per employee ($millions)1.8462%8,016
Cash dividends to net income (ytd only)*33.6700%3,961
Condition Ratios (%)
Loss allowance to loans0.7574%7,256
Loan loss allowance to noncurrent loans290.7285%1,399
Noncurrent assets plus other real estate owned to assets1.1768%3,905
Noncurrent loans to loans0.2605%6,597
Net loans and leases to total assets80.9299%1,459
Net loans and leases to deposits103.0563%1,458
Net loans and leases to core deposits112.4974%3,511
Total domestic deposits to total assets78.5298%5,533
Equity capital to assets10.1351%3,880
Core capital (leverage) ratio9.7649%3,691
Tier 1 risk-based capital ratio15.0389%3,025
Total risk-based capital ratio15.9934%3,101
Memoranda:
Average total assets$142,056,0004,044
Average earning assets$128,044,2004,083
Average equity$13,871,8004,371
Average total loans$114,674,2003,570