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First National Bank in Port Lavaca, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9448%4,037
Cost of funding earning assets1.1717%2,882
Net interest margin2.7731%3,711
Noninterest income to average assets0.2800%3,252
Noninterest expense to average assets1.8123%3,987
Loan and lease loss provision to assets0.0200%2,739
Net operating income to assets0.8956%2,563
Return on assets (ROA)0.8956%2,536
Pretax return on assets1.1066%2,398
Return on Equity (ROE)13.2900%1,649
Retained earnings to average equity (ytd only)10.0055%1,012
Net charge-offs to loans0.0043%2,576
Credit loss provision to net charge-offs1,266.6667%333
Earnings coverage of net charge-offs (x)463.5556%309
Efficiency ratio61.5909%2,889
Assets per employee ($millions)8.0223%1,423
Cash dividends to net income (ytd only)*24.7126%2,770
Condition Ratios (%)
Loss allowance to loans0.8414%3,876
Loan loss allowance to noncurrent loans11,187.5000%121
Noncurrent assets plus other real estate owned to assets0.0044%3,786
Noncurrent loans to loans0.0075%3,721
Net loans and leases to total assets58.4300%2,998
Net loans and leases to deposits65.2477%3,219
Net loans and leases to core deposits69.9586%3,309
Total domestic deposits to total assets89.5600%889
Equity capital to assets7.8160%3,532
Core capital (leverage) ratio11.9146%1,458
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$369,146,2002,118
Average earning assets$354,875,2002,069
Average equity$24,876,4002,528
Average total loans$211,056,2002,225
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8614%4,052
Cost of funding earning assets1.0826%2,794
Net interest margin2.7788%3,761
Noninterest income to average assets0.2800%3,257
Noninterest expense to average assets1.7935%3,989
Loan and lease loss provision to assets0.0500%1,947
Net operating income to assets0.8901%2,720
Return on assets (ROA)0.8901%2,703
Pretax return on assets1.1063%2,551
Return on Equity (ROE)13.7400%1,722
Retained earnings to average equity (ytd only)12.6112%871
Net charge-offs to loans0.0038%2,358
Credit loss provision to net charge-offs2,350.0000%204
Earnings coverage of net charge-offs (x)535.1667%293
Efficiency ratio60.8606%2,865
Assets per employee ($millions)7.8847%1,408
Cash dividends to net income (ytd only)*8.2324%2,836
Condition Ratios (%)
Loss allowance to loans0.8354%3,908
Loan loss allowance to noncurrent loans9,045.0000%141
Noncurrent assets plus other real estate owned to assets0.0054%3,810
Noncurrent loans to loans0.0092%3,734
Net loans and leases to total assets57.9500%3,032
Net loans and leases to deposits63.6291%3,288
Net loans and leases to core deposits68.0562%3,318
Total domestic deposits to total assets91.0700%653
Equity capital to assets6.1444%3,938
Core capital (leverage) ratio11.8266%1,517
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$371,181,7502,120
Average earning assets$356,649,2502,053
Average equity$24,041,5002,563
Average total loans$210,635,0002,222
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7684%4,061
Cost of funding earning assets0.9338%2,820
Net interest margin2.8345%3,771
Noninterest income to average assets0.2800%3,229
Noninterest expense to average assets1.8078%3,983
Loan and lease loss provision to assets0.0500%1,895
Net operating income to assets0.9295%2,650
Return on assets (ROA)0.9295%2,637
Pretax return on assets1.1514%2,504
Return on Equity (ROE)14.1100%1,659
Retained earnings to average equity (ytd only)12.4421%896
Net charge-offs to loans0.0048%2,103
Credit loss provision to net charge-offs1,920.0000%275
Earnings coverage of net charge-offs (x)444.6000%330
Efficiency ratio60.1613%2,937
Assets per employee ($millions)8.3298%1,170
Cash dividends to net income (ytd only)*11.8192%2,671
Condition Ratios (%)
Loss allowance to loans0.8360%3,936
Loan loss allowance to noncurrent loans1,819.5876%609
Noncurrent assets plus other real estate owned to assets0.0265%3,527
Noncurrent loans to loans0.0459%3,388
Net loans and leases to total assets57.1200%3,032
Net loans and leases to deposits63.3320%3,236
Net loans and leases to core deposits67.6117%3,252
Total domestic deposits to total assets90.2000%865
Equity capital to assets6.7826%3,888
Core capital (leverage) ratio11.6267%1,556
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$371,382,6672,118
Average earning assets$357,023,6672,060
Average equity$24,465,3332,542
Average total loans$208,666,0002,230
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6648%4,080
Cost of funding earning assets0.7474%2,902
Net interest margin2.9174%3,765
Noninterest income to average assets0.2800%3,222
Noninterest expense to average assets1.8437%3,959
Loan and lease loss provision to assets0.0100%2,408
Net operating income to assets0.9898%2,562
Return on assets (ROA)0.9898%2,526
Pretax return on assets1.2252%2,364
Return on Equity (ROE)15.2500%1,510
Retained earnings to average equity (ytd only)15.2461%774
Net charge-offs to loans0.0039%1,848
Credit loss provision to net charge-offs600.0000%496
Earnings coverage of net charge-offs (x)578.5000%198
Efficiency ratio59.8264%2,977
Assets per employee ($millions)8.0935%1,293
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.8112%4,066
Loan loss allowance to noncurrent loans2,004.7619%586
Noncurrent assets plus other real estate owned to assets0.0226%3,577
Noncurrent loans to loans0.0405%3,446
Net loans and leases to total assets55.3000%3,088
Net loans and leases to deposits61.4506%3,263
Net loans and leases to core deposits64.8572%3,291
Total domestic deposits to total assets90.0000%1,155
Equity capital to assets7.0637%3,801
Core capital (leverage) ratio11.2169%1,716
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$373,817,5002,137
Average earning assets$359,639,5002,073
Average equity$24,268,5002,582
Average total loans$207,436,0002,253
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3813%3,391
Cost of funding earning assets0.2681%3,176
Net interest margin3.1132%3,141
Noninterest income to average assets0.2600%3,579
Noninterest expense to average assets1.7177%4,146
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets1.2267%1,679
Return on assets (ROA)1.2076%1,691
Pretax return on assets1.4958%1,470
Return on Equity (ROE)17.5500%775
Retained earnings to average equity (ytd only)13.7088%423
Net charge-offs to loans-0.0089%3,783
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio52.4980%3,939
Assets per employee ($millions)8.1595%1,246
Cash dividends to net income (ytd only)*21.8676%2,817
Condition Ratios (%)
Loss allowance to loans0.9113%3,726
Loan loss allowance to noncurrent loans1,431.0606%759
Noncurrent assets plus other real estate owned to assets0.0352%3,453
Noncurrent loans to loans0.0637%3,289
Net loans and leases to total assets54.7200%3,139
Net loans and leases to deposits58.2794%3,438
Net loans and leases to core deposits59.6975%3,524
Total domestic deposits to total assets93.9000%254
Equity capital to assets5.9251%4,116
Core capital (leverage) ratio10.8382%1,925
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$386,626,6002,078
Average earning assets$373,791,2002,012
Average equity$26,610,6002,504
Average total loans$202,389,0002,211
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1839%3,094
Cost of funding earning assets0.1926%3,018
Net interest margin2.9913%2,909
Noninterest income to average assets0.2613%3,608
Noninterest expense to average assets1.7040%4,143
Loan and lease loss provision to assets0.0381%1,904
Net operating income to assets1.1438%1,619
Return on assets (ROA)1.1235%1,666
Pretax return on assets1.3985%1,443
Return on Equity (ROE)14.7306%952
Retained earnings to average equity (ytd only)13.3708%425
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8215%3,984
Assets per employee ($millions)8.4652%1,079
Cash dividends to net income (ytd only)*9.2308%2,783
Condition Ratios (%)
Loss allowance to loans0.8889%3,985
Loan loss allowance to noncurrent loans2,081.6092%540
Noncurrent assets plus other real estate owned to assets0.0223%3,783
Noncurrent loans to loans0.0427%3,622
Net loans and leases to total assets51.8531%3,177
Net loans and leases to deposits55.3694%3,431
Net loans and leases to core deposits56.4942%3,524
Total domestic deposits to total assets93.6495%360
Equity capital to assets6.1353%4,162
Core capital (leverage) ratio10.1492%2,235
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$393,417,0002,078
Average earning assets$382,044,3332,016
Average equity$30,005,6672,421
Average total loans$199,265,3332,242
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0873%3,013
Cost of funding earning assets0.1851%3,011
Net interest margin2.9022%2,828
Noninterest income to average assets0.2509%3,642
Noninterest expense to average assets1.7278%4,093
Loan and lease loss provision to assets0.0455%1,546
Net operating income to assets1.0450%1,707
Return on assets (ROA)1.0450%1,703
Pretax return on assets1.3009%1,506
Return on Equity (ROE)12.4974%1,163
Retained earnings to average equity (ytd only)12.4974%529
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2027%3,859
Assets per employee ($millions)8.2514%1,229
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.8820%4,089
Loan loss allowance to noncurrent loans4,813.5135%273
Noncurrent assets plus other real estate owned to assets0.0095%3,976
Noncurrent loans to loans0.0183%3,864
Net loans and leases to total assets51.6055%3,017
Net loans and leases to deposits55.7841%3,288
Net loans and leases to core deposits56.9852%3,377
Total domestic deposits to total assets92.5094%400
Equity capital to assets7.3279%4,033
Core capital (leverage) ratio9.6799%2,614
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$395,425,5002,072
Average earning assets$384,670,5002,006
Average equity$33,063,0002,329
Average total loans$197,034,5002,246
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1821%3,512
Cost of funding earning assets0.2282%3,154
Net interest margin2.9538%3,308
Noninterest income to average assets0.2192%4,054
Noninterest expense to average assets1.6834%4,318
Loan and lease loss provision to assets0.0346%2,363
Net operating income to assets1.1175%2,220
Return on assets (ROA)1.1175%2,284
Pretax return on assets1.3833%2,106
Return on Equity (ROE)10.9452%2,183
Retained earnings to average equity (ytd only)5.6237%2,508
Net charge-offs to loans-0.0053%3,567
Credit loss provision to net charge-offs-1,300.0000%3,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2811%3,904
Assets per employee ($millions)8.3965%1,122
Cash dividends to net income (ytd only)*48.6190%1,587
Condition Ratios (%)
Loss allowance to loans0.9034%4,057
Loan loss allowance to noncurrent loans771.5556%1,046
Noncurrent assets plus other real estate owned to assets0.0558%3,588
Noncurrent loans to loans0.1171%3,347
Net loans and leases to total assets47.2459%3,575
Net loans and leases to deposits52.2137%3,723
Net loans and leases to core deposits53.3632%3,802
Total domestic deposits to total assets90.4857%727
Equity capital to assets9.3558%3,268
Core capital (leverage) ratio9.8775%2,486
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$375,852,2002,082
Average earning assets$366,708,6002,015
Average equity$38,373,0002,144
Average total loans$187,895,4002,320
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2224%3,565
Cost of funding earning assets0.2404%3,207
Net interest margin2.9819%3,351
Noninterest income to average assets0.2301%4,025
Noninterest expense to average assets1.6799%4,358
Loan and lease loss provision to assets0.0360%2,277
Net operating income to assets1.0849%2,612
Return on assets (ROA)1.0849%2,666
Pretax return on assets1.4223%2,245
Return on Equity (ROE)10.3891%2,597
Retained earnings to average equity (ytd only)8.2684%1,965
Net charge-offs to loans-0.0071%3,546
Credit loss provision to net charge-offs-1,000.0000%3,849
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5283%3,864
Assets per employee ($millions)7.8072%1,372
Cash dividends to net income (ytd only)*20.4129%2,538
Condition Ratios (%)
Loss allowance to loans0.9038%4,141
Loan loss allowance to noncurrent loans1,107.7922%742
Noncurrent assets plus other real estate owned to assets0.0411%3,883
Noncurrent loans to loans0.0816%3,678
Net loans and leases to total assets49.9159%3,421
Net loans and leases to deposits55.9773%3,578
Net loans and leases to core deposits57.5564%3,660
Total domestic deposits to total assets89.1718%1,182
Equity capital to assets10.5157%2,450
Core capital (leverage) ratio10.0794%2,416
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$369,056,7502,129
Average earning assets$359,935,2502,059
Average equity$38,539,5002,161
Average total loans$186,831,0002,364
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2044%3,673
Cost of funding earning assets0.2581%3,208
Net interest margin2.9463%3,457
Noninterest income to average assets0.2342%4,000
Noninterest expense to average assets1.6772%4,392
Loan and lease loss provision to assets0.0300%2,376
Net operating income to assets1.0301%2,788
Return on assets (ROA)1.0301%2,868
Pretax return on assets1.3999%2,342
Return on Equity (ROE)9.8875%2,787
Retained earnings to average equity (ytd only)6.6823%2,549
Net charge-offs to loans-0.0107%3,695
Credit loss provision to net charge-offs-550.0000%3,495
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9797%3,810
Assets per employee ($millions)7.9640%1,228
Cash dividends to net income (ytd only)*32.4167%1,942
Condition Ratios (%)
Loss allowance to loans0.8657%4,247
Loan loss allowance to noncurrent loans1,483.0357%540
Noncurrent assets plus other real estate owned to assets0.0299%4,055
Noncurrent loans to loans0.0584%3,887
Net loans and leases to total assets50.8140%3,468
Net loans and leases to deposits56.8916%3,645
Net loans and leases to core deposits58.5025%3,728
Total domestic deposits to total assets89.3174%1,131
Equity capital to assets10.2344%2,633
Core capital (leverage) ratio9.8279%2,572
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$367,161,0002,125
Average earning assets$358,004,0002,061
Average equity$38,250,3332,162
Average total loans$186,187,0002,383
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2498%3,578
Cost of funding earning assets0.3147%2,844
Net interest margin2.9351%3,425
Noninterest income to average assets0.2354%3,983
Noninterest expense to average assets1.7030%4,371
Loan and lease loss provision to assets0.0110%2,633
Net operating income to assets1.0231%2,735
Return on assets (ROA)1.0231%2,817
Pretax return on assets1.3840%2,326
Return on Equity (ROE)9.7327%2,778
Retained earnings to average equity (ytd only)9.7327%1,732
Net charge-offs to loans-0.0131%3,790
Credit loss provision to net charge-offs-166.6667%2,918
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9716%3,670
Assets per employee ($millions)7.8133%1,278
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8687%4,249
Loan loss allowance to noncurrent loans942.6901%707
Noncurrent assets plus other real estate owned to assets0.0466%4,040
Noncurrent loans to loans0.0921%3,844
Net loans and leases to total assets50.0934%3,617
Net loans and leases to deposits55.9809%3,791
Net loans and leases to core deposits57.9652%3,839
Total domestic deposits to total assets89.4830%1,071
Equity capital to assets10.2732%2,456
Core capital (leverage) ratio9.8664%2,669
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$363,587,5002,130
Average earning assets$354,605,5002,059
Average equity$38,221,5002,153
Average total loans$183,349,5002,419
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5073%4,018
Cost of funding earning assets0.4177%3,477
Net interest margin3.0897%3,657
Noninterest income to average assets0.2205%4,176
Noninterest expense to average assets1.6414%4,676
Loan and lease loss provision to assets0.0856%3,298
Net operating income to assets1.1967%1,569
Return on assets (ROA)1.1967%1,670
Pretax return on assets1.4874%1,370
Return on Equity (ROE)11.1896%1,560
Retained earnings to average equity (ytd only)5.7441%1,931
Net charge-offs to loans-0.0022%3,996
Credit loss provision to net charge-offs-7,500.0000%4,381
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0648%4,464
Assets per employee ($millions)7.8250%1,110
Cash dividends to net income (ytd only)*48.6654%1,905
Condition Ratios (%)
Loss allowance to loans0.8811%4,242
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets49.8779%3,839
Net loans and leases to deposits56.0973%3,990
Net loans and leases to core deposits58.1435%4,043
Total domestic deposits to total assets88.9132%1,020
Equity capital to assets10.7562%2,473
Core capital (leverage) ratio9.7465%2,846
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$350,622,4002,048
Average earning assets$339,744,8001,984
Average equity$37,499,2002,107
Average total loans$178,951,4002,420
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5347%4,149
Cost of funding earning assets0.4435%3,561
Net interest margin3.0912%3,759
Noninterest income to average assets0.2205%4,173
Noninterest expense to average assets1.6338%4,700
Loan and lease loss provision to assets0.1034%3,030
Net operating income to assets1.1649%1,766
Return on assets (ROA)1.1649%1,884
Pretax return on assets1.4742%1,505
Return on Equity (ROE)10.9081%1,715
Retained earnings to average equity (ytd only)9.4455%875
Net charge-offs to loans-0.0030%3,945
Credit loss provision to net charge-offs-6,750.0000%4,285
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8761%4,426
Assets per employee ($millions)7.9203%1,032
Cash dividends to net income (ytd only)*13.4078%3,044
Condition Ratios (%)
Loss allowance to loans0.8372%4,268
Loan loss allowance to noncurrent loans1,350.0000%466
Noncurrent assets plus other real estate owned to assets0.0318%4,301
Noncurrent loans to loans0.0620%4,122
Net loans and leases to total assets50.9103%4,040
Net loans and leases to deposits57.3144%4,196
Net loans and leases to core deposits60.3273%4,185
Total domestic deposits to total assets88.8264%850
Equity capital to assets10.7970%2,547
Core capital (leverage) ratio10.0407%2,682
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$348,290,7502,035
Average earning assets$336,992,0001,971
Average equity$37,194,7502,112
Average total loans$178,406,5002,422
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5817%4,290
Cost of funding earning assets0.4869%3,611
Net interest margin3.0949%3,908
Noninterest income to average assets0.2269%4,127
Noninterest expense to average assets1.6446%4,740
Loan and lease loss provision to assets0.1225%2,808
Net operating income to assets1.1430%1,831
Return on assets (ROA)1.1430%1,959
Pretax return on assets1.4516%1,586
Return on Equity (ROE)10.7454%1,720
Retained earnings to average equity (ytd only)8.5086%1,156
Net charge-offs to loans-0.0023%3,847
Credit loss provision to net charge-offs-10,500.0000%4,220
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0962%4,429
Assets per employee ($millions)7.7152%1,081
Cash dividends to net income (ytd only)*20.8163%2,700
Condition Ratios (%)
Loss allowance to loans0.8274%4,264
Loan loss allowance to noncurrent loans170.7151%2,395
Noncurrent assets plus other real estate owned to assets0.2482%3,323
Noncurrent loans to loans0.4846%2,695
Net loans and leases to total assets50.7970%4,113
Net loans and leases to deposits57.2107%4,257
Net loans and leases to core deposits61.1644%4,203
Total domestic deposits to total assets88.7893%826
Equity capital to assets10.7633%2,520
Core capital (leverage) ratio9.8890%2,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$342,943,3332,031
Average earning assets$331,517,6671,974
Average equity$36,480,6672,132
Average total loans$175,525,6672,429
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6812%4,427
Cost of funding earning assets0.6256%3,304
Net interest margin3.0555%4,190
Noninterest income to average assets0.2457%4,083
Noninterest expense to average assets1.6785%4,797
Loan and lease loss provision to assets0.1187%2,208
Net operating income to assets1.0980%1,849
Return on assets (ROA)1.0980%1,950
Pretax return on assets1.3936%1,583
Return on Equity (ROE)10.3870%1,615
Retained earnings to average equity (ytd only)10.3870%666
Net charge-offs to loans-0.0023%3,681
Credit loss provision to net charge-offs-10,000.0000%3,968
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.6042%4,502
Assets per employee ($millions)7.2126%997
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.7995%4,415
Loan loss allowance to noncurrent loans149.4635%2,547
Noncurrent assets plus other real estate owned to assets0.2749%3,353
Noncurrent loans to loans0.5349%2,660
Net loans and leases to total assets50.9859%4,182
Net loans and leases to deposits57.4501%4,301
Net loans and leases to core deposits61.6632%4,286
Total domestic deposits to total assets88.7480%788
Equity capital to assets10.9316%2,916
Core capital (leverage) ratio10.1587%3,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.3088%542
Memoranda:
Average total assets$336,964,5002,010
Average earning assets$324,789,0001,957
Average equity$35,621,5002,166
Average total loans$172,397,0002,435
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7713%4,606
Cost of funding earning assets0.7347%2,997
Net interest margin3.0366%4,472
Noninterest income to average assets0.2367%4,258
Noninterest expense to average assets1.7523%4,825
Loan and lease loss provision to assets0.0382%3,248
Net operating income to assets1.0772%2,534
Return on assets (ROA)1.0769%2,636
Pretax return on assets1.3611%2,291
Return on Equity (ROE)10.7172%1,994
Retained earnings to average equity (ytd only)5.7436%2,007
Net charge-offs to loans0.0113%3,286
Credit loss provision to net charge-offs657.8947%479
Earnings coverage of net charge-offs (x)240.8421%344
Efficiency ratio55.5070%4,269
Assets per employee ($millions)7.1264%995
Cash dividends to net income (ytd only)*46.4073%2,260
Condition Ratios (%)
Loss allowance to loans0.7575%4,422
Loan loss allowance to noncurrent loans114.1343%3,058
Noncurrent assets plus other real estate owned to assets0.3380%3,062
Noncurrent loans to loans0.6637%2,230
Net loans and leases to total assets50.5382%4,306
Net loans and leases to deposits56.3740%4,442
Net loans and leases to core deposits60.0673%4,437
Total domestic deposits to total assets89.6480%449
Equity capital to assets10.2066%3,725
Core capital (leverage) ratio9.8461%3,679
Tier 1 risk-based capital ratio22.0040%1,021
Total risk-based capital ratio22.8585%1,042
Memoranda:
Average total assets$326,948,6002,001
Average earning assets$313,868,6001,947
Average equity$32,853,8002,246
Average total loans$167,477,0002,435
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7791%4,698
Cost of funding earning assets0.7434%2,996
Net interest margin3.0357%4,576
Noninterest income to average assets0.2409%4,296
Noninterest expense to average assets1.7775%4,847
Loan and lease loss provision to assets0.0390%3,124
Net operating income to assets1.0774%2,660
Return on assets (ROA)1.0771%2,752
Pretax return on assets1.3376%2,533
Return on Equity (ROE)10.7621%2,116
Retained earnings to average equity (ytd only)9.9257%765
Net charge-offs to loans0.0136%2,888
Credit loss provision to net charge-offs558.8235%579
Earnings coverage of net charge-offs (x)197.3776%439
Efficiency ratio56.2305%4,147
Assets per employee ($millions)6.8885%1,070
Cash dividends to net income (ytd only)*7.7713%3,410
Condition Ratios (%)
Loss allowance to loans0.7480%4,551
Loan loss allowance to noncurrent loans137.3913%2,775
Noncurrent assets plus other real estate owned to assets0.2782%3,440
Noncurrent loans to loans0.5444%2,664
Net loans and leases to total assets50.7236%4,385
Net loans and leases to deposits56.7878%4,523
Net loans and leases to core deposits60.4715%4,519
Total domestic deposits to total assets89.3212%516
Equity capital to assets10.5333%3,515
Core capital (leverage) ratio10.1198%3,508
Tier 1 risk-based capital ratio22.1440%1,048
Total risk-based capital ratio22.9721%1,082
Memoranda:
Average total assets$324,951,0002,018
Average earning assets$311,881,7501,960
Average equity$32,520,7502,280
Average total loans$166,705,2502,467
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7595%4,760
Cost of funding earning assets0.7124%3,098
Net interest margin3.0471%4,610
Noninterest income to average assets0.2563%4,218
Noninterest expense to average assets1.7972%4,879
Loan and lease loss provision to assets0.0402%3,008
Net operating income to assets1.0802%2,600
Return on assets (ROA)1.0797%2,674
Pretax return on assets1.3391%2,417
Return on Equity (ROE)10.9852%1,979
Retained earnings to average equity (ytd only)9.7003%843
Net charge-offs to loans0.0241%2,367
Credit loss provision to net charge-offs325.0000%848
Earnings coverage of net charge-offs (x)111.4500%645
Efficiency ratio56.3913%4,204
Assets per employee ($millions)6.8883%1,055
Cash dividends to net income (ytd only)*11.6972%3,246
Condition Ratios (%)
Loss allowance to loans0.7329%4,642
Loan loss allowance to noncurrent loans140.6857%2,752
Noncurrent assets plus other real estate owned to assets0.2737%3,465
Noncurrent loans to loans0.5209%2,718
Net loans and leases to total assets50.4299%4,448
Net loans and leases to deposits56.2510%4,583
Net loans and leases to core deposits60.0148%4,571
Total domestic deposits to total assets89.6516%428
Equity capital to assets10.2323%3,767
Core capital (leverage) ratio10.1517%3,441
Tier 1 risk-based capital ratio21.8054%1,077
Total risk-based capital ratio22.6208%1,114
Memoranda:
Average total assets$323,052,3302,033
Average earning assets$309,672,0001,983
Average equity$31,751,6702,323
Average total loans$165,947,0002,483
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7415%4,793
Cost of funding earning assets0.6824%3,140
Net interest margin3.0591%4,654
Noninterest income to average assets0.2794%4,012
Noninterest expense to average assets1.8468%4,866
Loan and lease loss provision to assets0.0501%2,653
Net operating income to assets1.0562%2,640
Return on assets (ROA)1.0562%2,682
Pretax return on assets1.3143%2,394
Return on Equity (ROE)10.9796%1,954
Retained earnings to average equity (ytd only)10.9796%806
Net charge-offs to loans0.0073%2,435
Credit loss provision to net charge-offs1,333.3333%287
Earnings coverage of net charge-offs (x)363.0000%220
Efficiency ratio57.1596%4,194
Assets per employee ($millions)6.6808%1,155
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.7345%4,706
Loan loss allowance to noncurrent loans117.9364%3,095
Noncurrent assets plus other real estate owned to assets0.3405%3,241
Noncurrent loans to loans0.6228%2,458
Net loans and leases to total assets51.5395%4,373
Net loans and leases to deposits57.2882%4,535
Net loans and leases to core deposits60.7770%4,540
Total domestic deposits to total assets89.9654%459
Equity capital to assets9.9470%3,876
Core capital (leverage) ratio10.1290%3,453
Tier 1 risk-based capital ratio21.4615%1,114
Total risk-based capital ratio22.2761%1,141
Memoranda:
Average total assets$319,259,0002,064
Average earning assets$305,969,5002,019
Average equity$30,711,5002,369
Average total loans$164,934,5002,512
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5586%4,850
Cost of funding earning assets0.5309%3,172
Net interest margin3.0277%4,767
Noninterest income to average assets0.2100%4,658
Noninterest expense to average assets1.7916%5,008
Loan and lease loss provision to assets0.0081%3,964
Net operating income to assets1.0747%2,698
Return on assets (ROA)1.0747%2,687
Pretax return on assets1.3070%2,469
Return on Equity (ROE)11.4063%1,933
Retained earnings to average equity (ytd only)7.2002%1,579
Net charge-offs to loans0.1564%1,230
Credit loss provision to net charge-offs10.3306%3,429
Earnings coverage of net charge-offs (x)16.7975%2,225
Efficiency ratio57.0759%4,274
Assets per employee ($millions)6.6216%1,157
Cash dividends to net income (ytd only)*36.8754%2,694
Condition Ratios (%)
Loss allowance to loans0.7260%4,743
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0308%4,701
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets51.0269%4,451
Net loans and leases to deposits56.3061%4,650
Net loans and leases to core deposits59.7949%4,638
Total domestic deposits to total assets90.6242%290
Equity capital to assets9.2893%4,329
Core capital (leverage) ratio9.9655%3,622
Tier 1 risk-based capital ratio20.6540%1,201
Total risk-based capital ratio21.4349%1,255
Memoranda:
Average total assets$309,114,4002,096
Average earning assets$295,731,6002,042
Average equity$29,124,2002,389
Average total loans$154,769,4002,588
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4874%4,939
Cost of funding earning assets0.4890%3,265
Net interest margin2.9984%4,847
Noninterest income to average assets0.2402%4,535
Noninterest expense to average assets1.7762%5,060
Loan and lease loss provision to assets0.0174%3,666
Net operating income to assets1.0708%2,777
Return on assets (ROA)1.0708%2,788
Pretax return on assets1.3153%2,557
Return on Equity (ROE)11.3237%2,043
Retained earnings to average equity (ytd only)10.3865%798
Net charge-offs to loans0.2053%824
Credit loss provision to net charge-offs17.0213%3,033
Earnings coverage of net charge-offs (x)13.0551%2,398
Efficiency ratio56.5321%4,310
Assets per employee ($millions)6.5369%1,167
Cash dividends to net income (ytd only)*8.2758%3,441
Condition Ratios (%)
Loss allowance to loans0.7721%4,705
Loan loss allowance to noncurrent loans13,422.2222%63
Noncurrent assets plus other real estate owned to assets0.0762%4,593
Noncurrent loans to loans0.0058%4,909
Net loans and leases to total assets49.4805%4,635
Net loans and leases to deposits54.4660%4,807
Net loans and leases to core deposits57.6772%4,798
Total domestic deposits to total assets90.8465%256
Equity capital to assets9.0483%4,508
Core capital (leverage) ratio10.1528%3,467
Tier 1 risk-based capital ratio21.4923%1,118
Total risk-based capital ratio22.3160%1,153
Memoranda:
Average total assets$306,933,5002,119
Average earning assets$293,655,7502,069
Average equity$29,024,0002,402
Average total loans$152,619,5002,623
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4364%4,990
Cost of funding earning assets0.4570%3,306
Net interest margin2.9794%4,906
Noninterest income to average assets0.2482%4,522
Noninterest expense to average assets1.7889%5,112
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0707%2,710
Return on assets (ROA)1.0707%2,713
Pretax return on assets1.3097%2,471
Return on Equity (ROE)11.1579%2,046
Retained earnings to average equity (ytd only)9.7623%992
Net charge-offs to loans0.1414%1,071
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)18.6449%1,893
Efficiency ratio57.1398%4,342
Assets per employee ($millions)6.4120%1,214
Cash dividends to net income (ytd only)*12.5077%3,235
Condition Ratios (%)
Loss allowance to loans0.8356%4,587
Loan loss allowance to noncurrent loans753.4884%778
Noncurrent assets plus other real estate owned to assets0.1166%4,412
Noncurrent loans to loans0.1109%4,412
Net loans and leases to total assets49.9706%4,609
Net loans and leases to deposits55.0565%4,798
Net loans and leases to core deposits58.3050%4,779
Total domestic deposits to total assets90.7624%312
Equity capital to assets9.1632%4,420
Core capital (leverage) ratio10.0629%3,515
Tier 1 risk-based capital ratio20.8856%1,200
Total risk-based capital ratio21.7681%1,223
Memoranda:
Average total assets$304,654,0002,142
Average earning assets$291,472,0002,092
Average equity$29,235,0002,397
Average total loans$151,338,0002,652
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3748%5,049
Cost of funding earning assets0.4236%3,413
Net interest margin2.9512%4,956
Noninterest income to average assets0.2521%4,497
Noninterest expense to average assets1.8001%5,148
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.0439%2,674
Return on assets (ROA)1.0439%2,692
Pretax return on assets1.2749%2,459
Return on Equity (ROE)10.6348%2,111
Retained earnings to average equity (ytd only)10.6348%982
Net charge-offs to loans-0.0054%4,032
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9399%4,348
Assets per employee ($millions)6.4862%1,210
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9311%4,298
Loan loss allowance to noncurrent loans653.4884%862
Noncurrent assets plus other real estate owned to assets0.1132%4,529
Noncurrent loans to loans0.1425%4,329
Net loans and leases to total assets49.0381%4,626
Net loans and leases to deposits53.9890%4,796
Net loans and leases to core deposits56.9766%4,798
Total domestic deposits to total assets90.8297%373
Equity capital to assets9.1116%4,446
Core capital (leverage) ratio9.9643%3,574
Tier 1 risk-based capital ratio21.1405%1,183
Total risk-based capital ratio22.1298%1,192
Memoranda:
Average total assets$303,093,5002,172
Average earning assets$289,912,5002,119
Average equity$29,751,5002,387
Average total loans$149,460,5002,695
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3877%4,959
Cost of funding earning assets0.3672%3,546
Net interest margin3.0205%4,841
Noninterest income to average assets0.2398%4,698
Noninterest expense to average assets1.8008%5,240
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9403%2,492
Return on assets (ROA)0.9241%2,601
Pretax return on assets1.3122%2,302
Return on Equity (ROE)8.4469%2,585
Retained earnings to average equity (ytd only)5.4144%1,862
Net charge-offs to loans-0.0679%5,265
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7934%4,684
Assets per employee ($millions)6.4114%1,257
Cash dividends to net income (ytd only)*35.9013%3,034
Condition Ratios (%)
Loss allowance to loans0.9478%4,223
Loan loss allowance to noncurrent loans815.6977%747
Noncurrent assets plus other real estate owned to assets0.1002%4,629
Noncurrent loans to loans0.1162%4,461
Net loans and leases to total assets48.6566%4,725
Net loans and leases to deposits54.4241%4,875
Net loans and leases to core deposits57.6766%4,864
Total domestic deposits to total assets89.4028%818
Equity capital to assets10.5285%3,137
Core capital (leverage) ratio10.6739%2,673
Tier 1 risk-based capital ratio23.1752%889
Total risk-based capital ratio24.1849%903
Memoranda:
Average total assets$289,370,2002,223
Average earning assets$277,470,8002,173
Average equity$31,656,4002,243
Average total loans$142,910,4002,738
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3594%5,023
Cost of funding earning assets0.3499%3,667
Net interest margin3.0096%4,893
Noninterest income to average assets0.2407%4,763
Noninterest expense to average assets1.7999%5,275
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9353%2,850
Return on assets (ROA)0.9428%2,880
Pretax return on assets1.3390%2,332
Return on Equity (ROE)8.5336%2,851
Retained earnings to average equity (ytd only)7.5222%1,421
Net charge-offs to loans-0.0894%5,345
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8983%4,624
Assets per employee ($millions)6.4823%1,197
Cash dividends to net income (ytd only)*11.8518%3,415
Condition Ratios (%)
Loss allowance to loans0.9506%4,320
Loan loss allowance to noncurrent loans23,350.0000%42
Noncurrent assets plus other real estate owned to assets0.0456%5,004
Noncurrent loans to loans0.0041%5,132
Net loans and leases to total assets48.9540%4,771
Net loans and leases to deposits55.0802%4,916
Net loans and leases to core deposits59.3400%4,848
Total domestic deposits to total assets88.8777%938
Equity capital to assets11.0059%2,854
Core capital (leverage) ratio10.9607%2,496
Tier 1 risk-based capital ratio23.7203%875
Total risk-based capital ratio24.7504%883
Memoranda:
Average total assets$286,379,2502,262
Average earning assets$274,761,7502,201
Average equity$31,639,0002,256
Average total loans$141,632,5002,780
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3374%5,048
Cost of funding earning assets0.3235%3,856
Net interest margin3.0139%4,878
Noninterest income to average assets0.2478%4,758
Noninterest expense to average assets1.8064%5,304
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9577%2,621
Return on assets (ROA)0.9694%2,618
Pretax return on assets1.3475%2,220
Return on Equity (ROE)8.7627%2,623
Retained earnings to average equity (ytd only)7.2265%1,484
Net charge-offs to loans0.0344%2,502
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)78.3333%782
Efficiency ratio56.9397%4,718
Assets per employee ($millions)6.2665%1,275
Cash dividends to net income (ytd only)*17.5310%3,202
Condition Ratios (%)
Loss allowance to loans0.8918%4,672
Loan loss allowance to noncurrent loans21,366.6667%41
Noncurrent assets plus other real estate owned to assets0.0462%5,049
Noncurrent loans to loans0.0042%5,181
Net loans and leases to total assets48.3731%4,799
Net loans and leases to deposits54.4256%4,939
Net loans and leases to core deposits58.6824%4,891
Total domestic deposits to total assets88.8794%1,017
Equity capital to assets10.9936%2,812
Core capital (leverage) ratio11.0224%2,384
Tier 1 risk-based capital ratio23.5350%896
Total risk-based capital ratio24.4901%910
Memoranda:
Average total assets$282,443,6702,293
Average earning assets$270,811,0002,231
Average equity$31,246,0002,271
Average total loans$139,718,3302,812
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3021%5,096
Cost of funding earning assets0.3174%3,880
Net interest margin2.9848%4,920
Noninterest income to average assets0.2605%4,671
Noninterest expense to average assets1.7945%5,385
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9529%2,514
Return on assets (ROA)0.9768%2,461
Pretax return on assets1.3574%2,038
Return on Equity (ROE)8.8007%2,513
Retained earnings to average equity (ytd only)8.8007%1,144
Net charge-offs to loans-0.0174%4,670
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8910%4,848
Assets per employee ($millions)6.2434%1,333
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9468%4,571
Loan loss allowance to noncurrent loans1,041.2698%587
Noncurrent assets plus other real estate owned to assets0.1018%4,859
Noncurrent loans to loans0.0909%4,830
Net loans and leases to total assets48.8553%4,758
Net loans and leases to deposits55.0315%4,878
Net loans and leases to core deposits58.9304%4,831
Total domestic deposits to total assets88.7771%1,271
Equity capital to assets11.1062%2,528
Core capital (leverage) ratio11.3157%2,095
Tier 1 risk-based capital ratio24.2972%839
Total risk-based capital ratio25.3214%845
Memoranda:
Average total assets$276,403,0002,356
Average earning assets$264,678,0002,286
Average equity$30,679,5002,319
Average total loans$137,701,0002,852
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4351%4,913
Cost of funding earning assets0.3362%3,679
Net interest margin3.0989%4,730
Noninterest income to average assets0.2315%5,025
Noninterest expense to average assets1.8190%5,459
Loan and lease loss provision to assets0.0183%4,011
Net operating income to assets1.0021%2,348
Return on assets (ROA)1.0081%2,420
Pretax return on assets1.3703%2,041
Return on Equity (ROE)8.8776%2,482
Retained earnings to average equity (ytd only)5.7908%1,829
Net charge-offs to loans0.0209%3,630
Credit loss provision to net charge-offs178.5714%1,566
Earnings coverage of net charge-offs (x)135.0357%464
Efficiency ratio56.2022%5,049
Assets per employee ($millions)6.3222%1,245
Cash dividends to net income (ytd only)*34.7700%3,130
Condition Ratios (%)
Loss allowance to loans0.9545%4,552
Loan loss allowance to noncurrent loans468.1004%1,117
Noncurrent assets plus other real estate owned to assets0.1674%4,650
Noncurrent loans to loans0.2039%4,427
Net loans and leases to total assets49.8518%4,773
Net loans and leases to deposits56.1062%4,909
Net loans and leases to core deposits60.2192%4,853
Total domestic deposits to total assets88.8525%1,178
Equity capital to assets11.0927%2,547
Core capital (leverage) ratio10.7793%2,552
Tier 1 risk-based capital ratio23.9740%869
Total risk-based capital ratio25.0028%879
Memoranda:
Average total assets$273,891,4002,331
Average earning assets$262,318,0002,264
Average equity$31,100,8002,284
Average total loans$133,838,2002,866
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4219%4,981
Cost of funding earning assets0.3382%3,672
Net interest margin3.0837%4,815
Noninterest income to average assets0.2323%5,082
Noninterest expense to average assets1.8177%5,499
Loan and lease loss provision to assets0.0243%3,762
Net operating income to assets0.9630%2,603
Return on assets (ROA)0.9630%2,740
Pretax return on assets1.3454%2,252
Return on Equity (ROE)8.4328%2,793
Retained earnings to average equity (ytd only)7.9223%1,206
Net charge-offs to loans0.0180%3,359
Credit loss provision to net charge-offs277.7778%1,101
Earnings coverage of net charge-offs (x)156.6071%448
Efficiency ratio56.3720%5,021
Assets per employee ($millions)6.3816%1,188
Cash dividends to net income (ytd only)*6.0546%3,650
Condition Ratios (%)
Loss allowance to loans0.9723%4,546
Loan loss allowance to noncurrent loans769.5906%740
Noncurrent assets plus other real estate owned to assets0.1385%4,882
Noncurrent loans to loans0.1263%4,835
Net loans and leases to total assets47.7346%4,979
Net loans and leases to deposits54.2619%5,094
Net loans and leases to core deposits58.6725%5,015
Total domestic deposits to total assets87.9708%1,417
Equity capital to assets11.5986%2,432
Core capital (leverage) ratio10.8099%2,675
Tier 1 risk-based capital ratio24.1709%890
Total risk-based capital ratio25.2145%886
Memoranda:
Average total assets$274,400,7502,331
Average earning assets$262,967,0002,276
Average equity$31,337,0002,279
Average total loans$133,090,2502,885
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4052%5,070
Cost of funding earning assets0.3430%3,640
Net interest margin3.0622%4,941
Noninterest income to average assets0.2307%5,105
Noninterest expense to average assets1.8291%5,561
Loan and lease loss provision to assets0.0294%3,544
Net operating income to assets0.9314%2,720
Return on assets (ROA)0.9314%2,856
Pretax return on assets1.3039%2,391
Return on Equity (ROE)8.2000%2,886
Retained earnings to average equity (ytd only)7.4240%1,423
Net charge-offs to loans-0.0060%4,575
Credit loss provision to net charge-offs-1,000.0000%5,082
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1893%5,002
Assets per employee ($millions)5.8891%1,488
Cash dividends to net income (ytd only)*9.4637%3,475
Condition Ratios (%)
Loss allowance to loans0.9858%4,591
Loan loss allowance to noncurrent loans1,037.5000%565
Noncurrent assets plus other real estate owned to assets0.1304%4,987
Noncurrent loans to loans0.0950%5,071
Net loans and leases to total assets48.1896%4,977
Net loans and leases to deposits54.8310%5,088
Net loans and leases to core deposits59.8754%4,988
Total domestic deposits to total assets87.8874%1,488
Equity capital to assets11.6064%2,436
Core capital (leverage) ratio10.8508%2,592
Tier 1 risk-based capital ratio23.4244%971
Total risk-based capital ratio24.4700%972
Memoranda:
Average total assets$272,270,3302,360
Average earning assets$260,663,6702,293
Average equity$30,926,6702,314
Average total loans$132,336,6702,898
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4042%5,117
Cost of funding earning assets0.3564%3,540
Net interest margin3.0478%5,006
Noninterest income to average assets0.2326%5,076
Noninterest expense to average assets1.8503%5,590
Loan and lease loss provision to assets0.0370%3,169
Net operating income to assets0.9007%2,749
Return on assets (ROA)0.9007%2,880
Pretax return on assets1.2592%2,474
Return on Equity (ROE)8.0191%2,900
Retained earnings to average equity (ytd only)8.0191%1,448
Net charge-offs to loans-0.0091%4,487
Credit loss provision to net charge-offs-833.3333%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1450%4,981
Assets per employee ($millions)5.7493%1,625
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9921%4,651
Loan loss allowance to noncurrent loans728.8889%749
Noncurrent assets plus other real estate owned to assets0.1658%4,906
Noncurrent loans to loans0.1361%4,932
Net loans and leases to total assets48.4570%4,929
Net loans and leases to deposits54.9497%5,041
Net loans and leases to core deposits60.2514%4,923
Total domestic deposits to total assets88.1843%1,539
Equity capital to assets11.4508%2,482
Core capital (leverage) ratio10.8604%2,556
Tier 1 risk-based capital ratio23.4860%966
Total risk-based capital ratio24.5413%976
Memoranda:
Average total assets$270,012,5002,382
Average earning assets$258,154,0002,324
Average equity$30,327,5002,350
Average total loans$131,150,0002,915
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4382%5,077
Cost of funding earning assets0.4355%2,780
Net interest margin3.0027%5,133
Noninterest income to average assets0.2152%5,307
Noninterest expense to average assets1.8644%5,661
Loan and lease loss provision to assets-0.0225%5,671
Net operating income to assets0.8936%2,907
Return on assets (ROA)0.9024%2,936
Pretax return on assets1.2535%2,459
Return on Equity (ROE)8.1419%2,880
Retained earnings to average equity (ytd only)6.9025%1,321
Net charge-offs to loans-0.0101%5,114
Credit loss provision to net charge-offs491.6667%645
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7649%4,936
Assets per employee ($millions)5.7406%1,584
Cash dividends to net income (ytd only)*15.2220%3,935
Condition Ratios (%)
Loss allowance to loans0.9873%4,687
Loan loss allowance to noncurrent loans4,427.5862%189
Noncurrent assets plus other real estate owned to assets0.1101%5,154
Noncurrent loans to loans0.0223%5,427
Net loans and leases to total assets47.7247%5,039
Net loans and leases to deposits53.7773%5,177
Net loans and leases to core deposits59.3666%5,024
Total domestic deposits to total assets88.7450%1,259
Equity capital to assets11.0126%2,810
Core capital (leverage) ratio10.6635%2,752
Tier 1 risk-based capital ratio22.9418%1,019
Total risk-based capital ratio23.9726%1,035
Memoranda:
Average total assets$262,074,2002,407
Average earning assets$250,304,2002,337
Average equity$29,047,4002,392
Average total loans$118,954,0003,066
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4156%5,173
Cost of funding earning assets0.4568%2,622
Net interest margin2.9588%5,288
Noninterest income to average assets0.2076%5,404
Noninterest expense to average assets1.8630%5,694
Loan and lease loss provision to assets-0.0354%5,882
Net operating income to assets0.8747%3,067
Return on assets (ROA)0.8867%3,098
Pretax return on assets1.2214%2,727
Return on Equity (ROE)7.9866%3,072
Retained earnings to average equity (ytd only)7.4326%1,485
Net charge-offs to loans-0.0172%5,149
Credit loss provision to net charge-offs460.0000%690
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7064%4,789
Assets per employee ($millions)5.7737%1,530
Cash dividends to net income (ytd only)*6.9366%3,656
Condition Ratios (%)
Loss allowance to loans1.0233%4,625
Loan loss allowance to noncurrent loans5,108.0000%156
Noncurrent assets plus other real estate owned to assets0.1491%5,167
Noncurrent loans to loans0.0200%5,556
Net loans and leases to total assets46.5057%5,195
Net loans and leases to deposits52.5968%5,334
Net loans and leases to core deposits58.3847%5,165
Total domestic deposits to total assets88.4193%1,324
Equity capital to assets11.2459%2,752
Core capital (leverage) ratio10.7642%2,753
Tier 1 risk-based capital ratio23.1652%1,033
Total risk-based capital ratio24.2154%1,043
Memoranda:
Average total assets$260,140,7502,443
Average earning assets$248,386,7502,372
Average equity$28,881,0002,416
Average total loans$116,180,2503,132
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4094%5,210
Cost of funding earning assets0.4866%2,378
Net interest margin2.9228%5,401
Noninterest income to average assets0.2516%5,149
Noninterest expense to average assets1.8883%5,731
Loan and lease loss provision to assets0.0155%3,812
Net operating income to assets0.8289%3,220
Return on assets (ROA)0.8470%3,244
Pretax return on assets1.1629%2,928
Return on Equity (ROE)7.6632%3,226
Retained earnings to average equity (ytd only)6.8226%1,784
Net charge-offs to loans-0.0229%5,216
Credit loss provision to net charge-offs-153.8462%4,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3642%4,779
Assets per employee ($millions)5.4599%1,776
Cash dividends to net income (ytd only)*10.9689%3,436
Condition Ratios (%)
Loss allowance to loans1.1419%4,128
Loan loss allowance to noncurrent loans1,108.9431%519
Noncurrent assets plus other real estate owned to assets0.2603%4,824
Noncurrent loans to loans0.1030%5,335
Net loans and leases to total assets46.0148%5,243
Net loans and leases to deposits51.9638%5,383
Net loans and leases to core deposits58.2903%5,177
Total domestic deposits to total assets88.5517%1,386
Equity capital to assets11.1782%2,688
Core capital (leverage) ratio10.5916%2,855
Tier 1 risk-based capital ratio23.3153%1,035
Total risk-based capital ratio24.4711%1,034
Memoranda:
Average total assets$258,324,6702,472
Average earning assets$246,609,0002,403
Average equity$28,552,0002,450
Average total loans$113,310,0003,194
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3159%5,411
Cost of funding earning assets0.4975%2,306
Net interest margin2.8184%5,606
Noninterest income to average assets0.2531%5,149
Noninterest expense to average assets1.8937%5,767
Loan and lease loss provision to assets0.0309%3,276
Net operating income to assets0.7470%3,557
Return on assets (ROA)0.7470%3,687
Pretax return on assets1.0217%3,415
Return on Equity (ROE)6.7964%3,612
Retained earnings to average equity (ytd only)6.7964%2,101
Net charge-offs to loans-0.0363%5,359
Credit loss provision to net charge-offs-200.0000%4,607
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5411%4,550
Assets per employee ($millions)5.6160%1,698
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2088%3,926
Loan loss allowance to noncurrent loans421.3622%1,156
Noncurrent assets plus other real estate owned to assets0.3288%4,672
Noncurrent loans to loans0.2869%4,745
Net loans and leases to total assets42.1402%5,471
Net loans and leases to deposits47.6115%5,583
Net loans and leases to core deposits53.2145%5,410
Total domestic deposits to total assets88.5085%1,542
Equity capital to assets11.0645%2,904
Core capital (leverage) ratio10.4422%3,041
Tier 1 risk-based capital ratio23.5890%1,040
Total risk-based capital ratio24.7775%1,025
Memoranda:
Average total assets$259,179,5002,476
Average earning assets$247,655,5002,401
Average equity$28,485,5002,465
Average total loans$110,242,5003,257
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3381%5,643
Cost of funding earning assets0.6092%1,686
Net interest margin2.7289%5,899
Noninterest income to average assets0.2385%5,425
Noninterest expense to average assets1.8450%6,011
Loan and lease loss provision to assets0.0174%4,263
Net operating income to assets0.7561%3,594
Return on assets (ROA)0.7570%3,692
Pretax return on assets0.9875%3,550
Return on Equity (ROE)7.0997%3,573
Retained earnings to average equity (ytd only)5.7373%2,111
Net charge-offs to loans0.0102%4,702
Credit loss provision to net charge-offs430.0000%603
Earnings coverage of net charge-offs (x)248.7000%218
Efficiency ratio63.9609%4,589
Assets per employee ($millions)5.4129%1,847
Cash dividends to net income (ytd only)*19.1898%3,847
Condition Ratios (%)
Loss allowance to loans1.2336%3,800
Loan loss allowance to noncurrent loans377.0538%1,345
Noncurrent assets plus other real estate owned to assets0.3569%4,632
Noncurrent loans to loans0.3272%4,665
Net loans and leases to total assets41.8868%5,627
Net loans and leases to deposits47.1295%5,737
Net loans and leases to core deposits53.6501%5,519
Total domestic deposits to total assets88.8761%1,304
Equity capital to assets10.9140%2,989
Core capital (leverage) ratio10.3117%3,152
Tier 1 risk-based capital ratio25.3366%808
Total risk-based capital ratio26.5865%798
Memoranda:
Average total assets$247,805,2002,548
Average earning assets$237,022,2002,446
Average equity$26,423,6002,532
Average total loans$97,827,4003,469
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2978%5,775
Cost of funding earning assets0.6261%1,632
Net interest margin2.6718%6,040
Noninterest income to average assets0.2784%5,211
Noninterest expense to average assets1.8394%6,039
Loan and lease loss provision to assets0.0179%4,051
Net operating income to assets0.7268%3,804
Return on assets (ROA)0.7280%3,897
Pretax return on assets0.9793%3,681
Return on Equity (ROE)6.8689%3,776
Retained earnings to average equity (ytd only)6.2556%2,246
Net charge-offs to loans-0.0056%5,317
Credit loss provision to net charge-offs-825.0000%5,838
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0619%4,529
Assets per employee ($millions)5.3184%1,889
Cash dividends to net income (ytd only)*8.9288%3,597
Condition Ratios (%)
Loss allowance to loans1.2757%3,774
Loan loss allowance to noncurrent loans272.8016%1,666
Noncurrent assets plus other real estate owned to assets0.4481%4,557
Noncurrent loans to loans0.4676%4,506
Net loans and leases to total assets40.4392%5,789
Net loans and leases to deposits45.3923%5,911
Net loans and leases to core deposits51.7471%5,699
Total domestic deposits to total assets89.0881%1,187
Equity capital to assets10.6807%3,330
Core capital (leverage) ratio10.3505%3,212
Tier 1 risk-based capital ratio25.4684%836
Total risk-based capital ratio26.7190%825
Memoranda:
Average total assets$246,154,7502,573
Average earning assets$235,544,2502,485
Average equity$26,088,0002,568
Average total loans$95,310,7503,553
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2930%5,803
Cost of funding earning assets0.6410%1,581
Net interest margin2.6519%6,113
Noninterest income to average assets0.2772%5,212
Noninterest expense to average assets1.8362%6,093
Loan and lease loss provision to assets0.0025%4,165
Net operating income to assets0.7328%3,660
Return on assets (ROA)0.7346%3,742
Pretax return on assets0.9765%3,579
Return on Equity (ROE)6.9507%3,647
Retained earnings to average equity (ytd only)6.0167%2,314
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4633%4,621
Assets per employee ($millions)5.3361%1,840
Cash dividends to net income (ytd only)*13.4378%3,368
Condition Ratios (%)
Loss allowance to loans1.3401%3,643
Loan loss allowance to noncurrent loans312.7404%1,458
Noncurrent assets plus other real estate owned to assets0.4944%4,527
Noncurrent loans to loans0.4285%4,705
Net loans and leases to total assets38.1906%5,946
Net loans and leases to deposits42.9153%6,034
Net loans and leases to core deposits49.1107%5,844
Total domestic deposits to total assets88.9907%1,361
Equity capital to assets10.7178%3,183
Core capital (leverage) ratio10.4665%2,983
Tier 1 risk-based capital ratio26.6091%726
Total risk-based capital ratio27.8598%713
Memoranda:
Average total assets$243,112,3302,607
Average earning assets$232,435,6702,525
Average equity$25,695,3302,592
Average total loans$92,225,0003,631
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2442%5,940
Cost of funding earning assets0.6593%1,520
Net interest margin2.5849%6,257
Noninterest income to average assets0.2591%5,284
Noninterest expense to average assets1.8523%6,143
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6682%3,851
Return on assets (ROA)0.6720%3,917
Pretax return on assets0.8827%3,763
Return on Equity (ROE)6.4056%3,803
Retained earnings to average equity (ytd only)6.4056%2,330
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.9933%4,363
Assets per employee ($millions)5.0954%2,132
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4342%3,445
Loan loss allowance to noncurrent loans518.8000%918
Noncurrent assets plus other real estate owned to assets0.4800%4,699
Noncurrent loans to loans0.2764%5,276
Net loans and leases to total assets36.4453%6,047
Net loans and leases to deposits40.7568%6,145
Net loans and leases to core deposits46.7624%5,951
Total domestic deposits to total assets89.4215%1,412
Equity capital to assets10.4767%3,265
Core capital (leverage) ratio10.6481%2,763
Tier 1 risk-based capital ratio27.5024%679
Total risk-based capital ratio28.7539%666
Memoranda:
Average total assets$239,270,0002,651
Average earning assets$228,716,0002,569
Average equity$25,103,0002,632
Average total loans$89,796,5003,700
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2580%6,062
Cost of funding earning assets0.8087%1,170
Net interest margin2.4493%6,412
Noninterest income to average assets0.2361%5,661
Noninterest expense to average assets1.7801%6,353
Loan and lease loss provision to assets0.0586%3,970
Net operating income to assets0.5638%4,440
Return on assets (ROA)0.5802%4,468
Pretax return on assets0.7529%4,324
Return on Equity (ROE)5.2254%4,529
Retained earnings to average equity (ytd only)3.8184%3,488
Net charge-offs to loans0.1221%3,589
Credit loss provision to net charge-offs137.7551%1,698
Earnings coverage of net charge-offs (x)18.5816%1,645
Efficiency ratio68.2931%4,143
Assets per employee ($millions)5.3173%1,829
Cash dividends to net income (ytd only)*26.9260%3,423
Condition Ratios (%)
Loss allowance to loans1.4547%3,401
Loan loss allowance to noncurrent loans1,179.0909%445
Noncurrent assets plus other real estate owned to assets0.4420%4,923
Noncurrent loans to loans0.1234%5,832
Net loans and leases to total assets37.5539%6,126
Net loans and leases to deposits41.9839%6,224
Net loans and leases to core deposits48.4940%6,006
Total domestic deposits to total assets89.4482%1,362
Equity capital to assets10.5069%3,147
Core capital (leverage) ratio10.5377%2,872
Tier 1 risk-based capital ratio27.5319%639
Total risk-based capital ratio28.7837%627
Memoranda:
Average total assets$230,432,2002,716
Average earning assets$219,610,2002,622
Average equity$25,586,4002,579
Average total loans$80,267,6003,931
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2065%6,188
Cost of funding earning assets0.8319%1,145
Net interest margin2.3746%6,534
Noninterest income to average assets0.2201%5,849
Noninterest expense to average assets1.7628%6,392
Loan and lease loss provision to assets0.0726%3,610
Net operating income to assets0.4972%4,805
Return on assets (ROA)0.5129%4,898
Pretax return on assets0.6680%4,796
Return on Equity (ROE)4.5566%4,954
Retained earnings to average equity (ytd only)3.9373%3,889
Net charge-offs to loans0.1555%2,996
Credit loss provision to net charge-offs137.3626%1,707
Earnings coverage of net charge-offs (x)13.6264%2,012
Efficiency ratio69.9883%3,762
Assets per employee ($millions)4.9912%2,174
Cash dividends to net income (ytd only)*13.5904%3,334
Condition Ratios (%)
Loss allowance to loans1.5415%3,268
Loan loss allowance to noncurrent loans874.3243%538
Noncurrent assets plus other real estate owned to assets0.4783%4,997
Noncurrent loans to loans0.1763%5,800
Net loans and leases to total assets35.2326%6,314
Net loans and leases to deposits39.4694%6,401
Net loans and leases to core deposits45.0706%6,243
Total domestic deposits to total assets89.2654%1,426
Equity capital to assets10.6263%3,133
Core capital (leverage) ratio10.6602%2,830
Tier 1 risk-based capital ratio28.1657%619
Total risk-based capital ratio29.4182%605
Memoranda:
Average total assets$229,550,2502,739
Average earning assets$218,757,7502,643
Average equity$25,837,5002,592
Average total loans$78,045,0004,027
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2251%6,200
Cost of funding earning assets0.8566%1,109
Net interest margin2.3685%6,579
Noninterest income to average assets0.2493%5,666
Noninterest expense to average assets1.7492%6,452
Loan and lease loss provision to assets0.0834%3,406
Net operating income to assets0.5124%4,756
Return on assets (ROA)0.5354%4,801
Pretax return on assets0.7092%4,656
Return on Equity (ROE)4.6671%4,914
Retained earnings to average equity (ytd only)3.7489%3,912
Net charge-offs to loans0.2156%2,470
Credit loss provision to net charge-offs115.8537%1,913
Earnings coverage of net charge-offs (x)10.5854%2,143
Efficiency ratio68.6823%4,063
Assets per employee ($millions)4.8948%2,234
Cash dividends to net income (ytd only)*19.6721%3,012
Condition Ratios (%)
Loss allowance to loans1.5530%3,348
Loan loss allowance to noncurrent loans744.4444%605
Noncurrent assets plus other real estate owned to assets0.4930%5,031
Noncurrent loans to loans0.2086%5,787
Net loans and leases to total assets35.8395%6,313
Net loans and leases to deposits40.3598%6,394
Net loans and leases to core deposits46.1706%6,229
Total domestic deposits to total assets88.8001%1,733
Equity capital to assets11.0267%2,727
Core capital (leverage) ratio10.6913%2,675
Tier 1 risk-based capital ratio28.1088%619
Total risk-based capital ratio29.3620%614
Memoranda:
Average total assets$227,871,3302,771
Average earning assets$217,604,0002,668
Average equity$26,140,6702,572
Average total loans$76,078,3304,100
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1823%6,312
Cost of funding earning assets0.8672%1,167
Net interest margin2.3151%6,677
Noninterest income to average assets0.2862%5,415
Noninterest expense to average assets1.6735%6,597
Loan and lease loss provision to assets0.0698%3,468
Net operating income to assets0.5689%4,366
Return on assets (ROA)0.5689%4,516
Pretax return on assets0.7556%4,349
Return on Equity (ROE)4.8662%4,654
Retained earnings to average equity (ytd only)4.8662%3,319
Net charge-offs to loans0.0164%3,829
Credit loss provision to net charge-offs1,333.3333%242
Earnings coverage of net charge-offs (x)157.6667%255
Efficiency ratio65.9916%4,659
Assets per employee ($millions)5.2299%1,944
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7464%2,815
Loan loss allowance to noncurrent loans3,325.6410%177
Noncurrent assets plus other real estate owned to assets0.4937%5,145
Noncurrent loans to loans0.0525%6,316
Net loans and leases to total assets31.7104%6,528
Net loans and leases to deposits36.1486%6,566
Net loans and leases to core deposits41.2776%6,427
Total domestic deposits to total assets87.7223%2,506
Equity capital to assets11.6341%2,304
Core capital (leverage) ratio10.6754%2,568
Tier 1 risk-based capital ratio29.9316%534
Total risk-based capital ratio31.1855%526
Memoranda:
Average total assets$229,226,0002,784
Average earning assets$219,087,0002,676
Average equity$26,797,0002,537
Average total loans$73,132,5004,230
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3966%6,489
Cost of funding earning assets1.0063%1,326
Net interest margin2.3903%6,786
Noninterest income to average assets0.2902%5,395
Noninterest expense to average assets1.9077%6,483
Loan and lease loss provision to assets0.0526%5,152
Net operating income to assets0.4944%4,708
Return on assets (ROA)0.5423%4,763
Pretax return on assets0.6636%4,781
Return on Equity (ROE)4.4834%4,943
Retained earnings to average equity (ytd only)2.2547%4,652
Net charge-offs to loans0.0662%5,022
Credit loss provision to net charge-offs243.7500%1,012
Earnings coverage of net charge-offs (x)30.5000%1,001
Efficiency ratio73.3625%3,179
Assets per employee ($millions)5.1894%2,001
Cash dividends to net income (ytd only)*49.7100%2,324
Condition Ratios (%)
Loss allowance to loans1.7501%2,759
Loan loss allowance to noncurrent loans285.0679%1,355
Noncurrent assets plus other real estate owned to assets0.6740%4,797
Noncurrent loans to loans0.6139%4,977
Net loans and leases to total assets30.9795%6,666
Net loans and leases to deposits35.3712%6,702
Net loans and leases to core deposits40.1488%6,613
Total domestic deposits to total assets87.5840%2,487
Equity capital to assets11.7468%2,227
Core capital (leverage) ratio10.5932%2,663
Tier 1 risk-based capital ratio29.8624%520
Total risk-based capital ratio31.1163%514
Memoranda:
Average total assets$222,575,0002,818
Average earning assets$211,859,2002,711
Average equity$26,921,8002,488
Average total loans$72,497,0004,254
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4295%6,590
Cost of funding earning assets1.0314%1,386
Net interest margin2.3981%6,895
Noninterest income to average assets0.2912%5,449
Noninterest expense to average assets1.9270%6,475
Loan and lease loss provision to assets0.0525%5,095
Net operating income to assets0.4830%4,908
Return on assets (ROA)0.5246%5,003
Pretax return on assets0.6439%5,037
Return on Equity (ROE)4.3047%5,147
Retained earnings to average equity (ytd only)3.7109%4,275
Net charge-offs to loans0.2313%3,333
Credit loss provision to net charge-offs69.0476%3,933
Earnings coverage of net charge-offs (x)8.4918%2,437
Efficiency ratio73.9100%3,000
Assets per employee ($millions)4.8025%2,439
Cash dividends to net income (ytd only)*13.7935%3,298
Condition Ratios (%)
Loss allowance to loans1.5931%3,543
Loan loss allowance to noncurrent loans907.0866%473
Noncurrent assets plus other real estate owned to assets0.6278%5,099
Noncurrent loans to loans0.1756%6,172
Net loans and leases to total assets32.2127%6,735
Net loans and leases to deposits37.2804%6,776
Net loans and leases to core deposits42.9585%6,632
Total domestic deposits to total assets86.4064%3,034
Equity capital to assets12.6009%1,823
Core capital (leverage) ratio10.8267%2,565
Tier 1 risk-based capital ratio29.9403%538
Total risk-based capital ratio31.1928%527
Memoranda:
Average total assets$221,135,0002,849
Average earning assets$210,329,0002,758
Average equity$26,946,7502,506
Average total loans$72,622,0004,307
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4854%6,624
Cost of funding earning assets1.0473%1,486
Net interest margin2.4381%6,937
Noninterest income to average assets0.2975%5,424
Noninterest expense to average assets1.9357%6,537
Loan and lease loss provision to assets0.0696%4,758
Net operating income to assets0.4744%4,934
Return on assets (ROA)0.5343%4,934
Pretax return on assets0.6862%4,864
Return on Equity (ROE)4.4353%5,069
Retained earnings to average equity (ytd only)3.5347%4,244
Net charge-offs to loans0.1183%3,993
Credit loss provision to net charge-offs179.0698%1,577
Earnings coverage of net charge-offs (x)17.4651%1,526
Efficiency ratio73.0290%3,233
Assets per employee ($millions)4.8726%2,328
Cash dividends to net income (ytd only)*20.3046%2,972
Condition Ratios (%)
Loss allowance to loans1.6786%3,321
Loan loss allowance to noncurrent loans628.2051%609
Noncurrent assets plus other real estate owned to assets0.6282%5,203
Noncurrent loans to loans0.2672%6,044
Net loans and leases to total assets32.0129%6,805
Net loans and leases to deposits36.7581%6,848
Net loans and leases to core deposits42.0684%6,731
Total domestic deposits to total assets87.0907%2,724
Equity capital to assets12.0313%2,128
Core capital (leverage) ratio10.7304%2,563
Tier 1 risk-based capital ratio28.8403%583
Total risk-based capital ratio30.0936%567
Memoranda:
Average total assets$221,209,0002,854
Average earning assets$210,246,6702,757
Average equity$26,650,0002,511
Average total loans$72,724,6704,322
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5065%6,693
Cost of funding earning assets1.0966%1,420
Net interest margin2.4099%7,007
Noninterest income to average assets0.2985%5,487
Noninterest expense to average assets1.9805%6,500
Loan and lease loss provision to assets0.0856%4,311
Net operating income to assets0.4096%5,213
Return on assets (ROA)0.4096%5,399
Pretax return on assets0.5206%5,361
Return on Equity (ROE)3.3973%5,550
Retained earnings to average equity (ytd only)3.3973%4,533
Net charge-offs to loans0.0496%4,007
Credit loss provision to net charge-offs522.2222%633
Earnings coverage of net charge-offs (x)37.0000%793
Efficiency ratio75.5806%2,842
Assets per employee ($millions)5.0508%2,193
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.7092%3,312
Loan loss allowance to noncurrent loans1,254.0816%330
Noncurrent assets plus other real estate owned to assets0.6421%5,286
Noncurrent loans to loans0.1363%6,416
Net loans and leases to total assets31.8015%6,839
Net loans and leases to deposits36.4427%6,875
Net loans and leases to core deposits41.4284%6,771
Total domestic deposits to total assets87.2644%2,792
Equity capital to assets11.9405%2,086
Core capital (leverage) ratio10.6313%2,616
Tier 1 risk-based capital ratio28.6774%592
Total risk-based capital ratio29.9301%583
Memoranda:
Average total assets$219,743,0002,897
Average earning assets$208,643,5002,790
Average equity$26,491,5002,527
Average total loans$72,597,5004,362
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8872%6,631
Cost of funding earning assets1.2397%1,787
Net interest margin2.6476%6,971
Noninterest income to average assets0.3106%5,325
Noninterest expense to average assets2.0122%6,654
Loan and lease loss provision to assets0.4543%2,328
Net operating income to assets0.2695%5,371
Return on assets (ROA)0.4398%4,900
Pretax return on assets0.5792%4,746
Return on Equity (ROE)3.6622%5,004
Retained earnings to average equity (ytd only)1.3246%5,231
Net charge-offs to loans0.7864%2,188
Credit loss provision to net charge-offs167.7029%1,609
Earnings coverage of net charge-offs (x)2.9879%3,711
Efficiency ratio70.3698%3,874
Assets per employee ($millions)4.6224%2,725
Cash dividends to net income (ytd only)*63.8298%1,396
Condition Ratios (%)
Loss allowance to loans1.6250%3,490
Loan loss allowance to noncurrent loans1,017.9487%391
Noncurrent assets plus other real estate owned to assets0.6748%5,292
Noncurrent loans to loans0.1596%6,435
Net loans and leases to total assets33.1879%6,900
Net loans and leases to deposits38.2551%6,940
Net loans and leases to core deposits44.3936%6,798
Total domestic deposits to total assets86.7540%2,896
Equity capital to assets12.1735%1,996
Core capital (leverage) ratio10.5314%2,684
Tier 1 risk-based capital ratio28.2579%606
Total risk-based capital ratio29.5099%599
Memoranda:
Average total assets$213,750,8002,902
Average earning assets$202,715,2002,818
Average equity$25,667,4002,510
Average total loans$73,623,2004,359
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9273%6,696
Cost of funding earning assets1.2532%1,977
Net interest margin2.6741%7,012
Noninterest income to average assets0.3119%5,369
Noninterest expense to average assets2.0324%6,628
Loan and lease loss provision to assets0.2499%3,508
Net operating income to assets0.4722%4,666
Return on assets (ROA)0.4553%4,941
Pretax return on assets0.5449%4,994
Return on Equity (ROE)3.8053%5,075
Retained earnings to average equity (ytd only)3.1772%4,440
Net charge-offs to loans0.7923%1,978
Credit loss provision to net charge-offs91.0959%3,737
Earnings coverage of net charge-offs (x)2.9703%3,657
Efficiency ratio70.4355%3,872
Assets per employee ($millions)4.8945%2,335
Cash dividends to net income (ytd only)*16.5066%3,063
Condition Ratios (%)
Loss allowance to loans1.0322%6,114
Loan loss allowance to noncurrent loans251.6556%1,237
Noncurrent assets plus other real estate owned to assets0.7224%5,354
Noncurrent loans to loans0.4102%6,024
Net loans and leases to total assets33.0830%6,991
Net loans and leases to deposits38.1807%7,030
Net loans and leases to core deposits44.1912%6,916
Total domestic deposits to total assets86.6485%2,856
Equity capital to assets12.3150%2,020
Core capital (leverage) ratio10.8312%2,543
Tier 1 risk-based capital ratio27.5812%692
Total risk-based capital ratio28.4783%705
Memoranda:
Average total assets$212,875,7502,922
Average earning assets$201,832,0002,834
Average equity$25,472,5002,530
Average total loans$73,706,0004,394
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9417%6,751
Cost of funding earning assets1.2714%2,109
Net interest margin2.6702%7,059
Noninterest income to average assets0.3194%5,347
Noninterest expense to average assets2.0426%6,707
Loan and lease loss provision to assets0.2766%3,163
Net operating income to assets0.4790%4,598
Return on assets (ROA)0.4790%4,742
Pretax return on assets0.5313%4,964
Return on Equity (ROE)4.0446%4,924
Retained earnings to average equity (ytd only)3.0816%4,309
Net charge-offs to loans1.1447%1,368
Credit loss provision to net charge-offs68.9573%4,081
Earnings coverage of net charge-offs (x)2.0142%3,860
Efficiency ratio70.7236%3,981
Assets per employee ($millions)4.3884%3,012
Cash dividends to net income (ytd only)*23.8095%2,725
Condition Ratios (%)
Loss allowance to loans0.9051%6,642
Loan loss allowance to noncurrent loans575.8621%585
Noncurrent assets plus other real estate owned to assets0.8148%5,252
Noncurrent loans to loans0.1572%6,586
Net loans and leases to total assets34.0111%7,044
Net loans and leases to deposits38.9752%7,095
Net loans and leases to core deposits45.3078%6,967
Total domestic deposits to total assets87.2634%2,591
Equity capital to assets11.9391%2,132
Core capital (leverage) ratio10.8612%2,363
Tier 1 risk-based capital ratio26.9410%731
Total risk-based capital ratio27.7192%751
Memoranda:
Average total assets$210,417,0002,971
Average earning assets$199,458,0002,877
Average equity$24,922,0002,566
Average total loans$73,732,6704,436
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8774%6,849
Cost of funding earning assets1.2931%2,221
Net interest margin2.5842%7,133
Noninterest income to average assets0.3210%5,354
Noninterest expense to average assets2.0239%6,792
Loan and lease loss provision to assets0.3710%2,333
Net operating income to assets0.4786%4,584
Return on assets (ROA)0.4786%4,664
Pretax return on assets0.3767%5,406
Return on Equity (ROE)4.0576%4,866
Retained earnings to average equity (ytd only)4.0576%3,722
Net charge-offs to loans2.2470%537
Credit loss provision to net charge-offs46.6184%3,826
Earnings coverage of net charge-offs (x)0.9396%3,947
Efficiency ratio72.0527%3,852
Assets per employee ($millions)4.4593%2,962
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.7847%6,953
Loan loss allowance to noncurrent loans238.8430%1,256
Noncurrent assets plus other real estate owned to assets0.7162%5,509
Noncurrent loans to loans0.3285%6,335
Net loans and leases to total assets34.8681%7,055
Net loans and leases to deposits39.7633%7,114
Net loans and leases to core deposits46.3470%6,960
Total domestic deposits to total assets87.6891%2,561
Equity capital to assets11.7832%2,056
Core capital (leverage) ratio11.0694%2,136
Tier 1 risk-based capital ratio27.0579%700
Total risk-based capital ratio27.7385%728
Memoranda:
Average total assets$208,109,0003,012
Average earning assets$197,350,0002,919
Average equity$24,546,5002,591
Average total loans$73,697,5004,477
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2215%6,895
Cost of funding earning assets1.3638%3,491
Net interest margin2.8577%6,964
Noninterest income to average assets0.3700%5,138
Noninterest expense to average assets2.3474%6,224
Loan and lease loss provision to assets0.2268%5,010
Net operating income to assets0.3826%4,625
Return on assets (ROA)0.3826%4,768
Pretax return on assets0.5061%4,602
Return on Equity (ROE)3.0387%4,938
Retained earnings to average equity (ytd only)0.6366%5,259
Net charge-offs to loans0.6767%2,979
Credit loss provision to net charge-offs85.5513%5,316
Earnings coverage of net charge-offs (x)2.7643%3,690
Efficiency ratio75.2741%3,149
Assets per employee ($millions)4.3964%3,039
Cash dividends to net income (ytd only)*79.0514%886
Condition Ratios (%)
Loss allowance to loans1.0836%6,009
Loan loss allowance to noncurrent loans99.0087%2,922
Noncurrent assets plus other real estate owned to assets1.0260%4,948
Noncurrent loans to loans1.0944%4,910
Net loans and leases to total assets35.2992%7,189
Net loans and leases to deposits40.3841%7,241
Net loans and leases to core deposits47.4743%7,095
Total domestic deposits to total assets87.4085%2,610
Equity capital to assets11.8070%2,034
Core capital (leverage) ratio11.1549%2,045
Tier 1 risk-based capital ratio25.9666%758
Total risk-based capital ratio26.8820%769
Memoranda:
Average total assets$198,387,6003,123
Average earning assets$188,157,4003,027
Average equity$24,977,8002,561
Average total loans$77,733,4004,403
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2885%6,979
Cost of funding earning assets1.3655%3,804
Net interest margin2.9230%6,972
Noninterest income to average assets0.3654%5,235
Noninterest expense to average assets2.3572%6,158
Loan and lease loss provision to assets0.1005%6,017
Net operating income to assets0.5406%4,129
Return on assets (ROA)0.5406%4,301
Pretax return on assets0.6798%4,304
Return on Equity (ROE)4.2245%4,675
Retained earnings to average equity (ytd only)3.5876%3,924
Net charge-offs to loans0.5995%2,943
Credit loss provision to net charge-offs41.8079%5,996
Earnings coverage of net charge-offs (x)3.2457%3,521
Efficiency ratio74.1991%3,289
Assets per employee ($millions)4.3376%3,190
Cash dividends to net income (ytd only)*15.0757%3,157
Condition Ratios (%)
Loss allowance to loans0.8744%6,825
Loan loss allowance to noncurrent loans166.8329%1,711
Noncurrent assets plus other real estate owned to assets0.7402%5,625
Noncurrent loans to loans0.5241%6,149
Net loans and leases to total assets37.2026%7,217
Net loans and leases to deposits43.0327%7,269
Net loans and leases to core deposits50.7688%7,091
Total domestic deposits to total assets86.4518%2,823
Equity capital to assets12.7570%1,711
Core capital (leverage) ratio11.5289%1,923
Tier 1 risk-based capital ratio26.0490%770
Total risk-based capital ratio26.8011%796
Memoranda:
Average total assets$196,326,7503,185
Average earning assets$186,199,2503,094
Average equity$25,123,0002,574
Average total loans$78,732,2504,443
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3501%6,974
Cost of funding earning assets1.3699%4,062
Net interest margin2.9802%6,868
Noninterest income to average assets0.3756%5,122
Noninterest expense to average assets2.4250%5,994
Loan and lease loss provision to assets0.0568%6,386
Net operating income to assets0.5748%3,973
Return on assets (ROA)0.5748%4,119
Pretax return on assets0.7203%4,164
Return on Equity (ROE)4.4868%4,551
Retained earnings to average equity (ytd only)3.5202%3,868
Net charge-offs to loans0.7399%2,384
Credit loss provision to net charge-offs18.7075%5,867
Earnings coverage of net charge-offs (x)2.5612%3,719
Efficiency ratio74.8308%3,297
Assets per employee ($millions)4.1692%3,452
Cash dividends to net income (ytd only)*21.5440%2,848
Condition Ratios (%)
Loss allowance to loans0.8127%7,003
Loan loss allowance to noncurrent loans103.2468%2,676
Noncurrent assets plus other real estate owned to assets0.7650%5,591
Noncurrent loans to loans0.7872%5,698
Net loans and leases to total assets39.6123%7,190
Net loans and leases to deposits45.9747%7,250
Net loans and leases to core deposits53.1745%7,078
Total domestic deposits to total assets86.1609%3,003
Equity capital to assets13.0287%1,556
Core capital (leverage) ratio11.7450%1,779
Tier 1 risk-based capital ratio25.6794%795
Total risk-based capital ratio26.3920%814
Memoranda:
Average total assets$193,814,0003,248
Average earning assets$183,811,0003,153
Average equity$24,828,3302,606
Average total loans$79,472,3304,459
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3651%7,048
Cost of funding earning assets1.3815%4,298
Net interest margin2.9835%6,865
Noninterest income to average assets0.3860%5,033
Noninterest expense to average assets2.1666%6,766
Loan and lease loss provision to assets0.2553%4,002
Net operating income to assets0.5209%4,284
Return on assets (ROA)0.5209%4,425
Pretax return on assets0.8011%3,857
Return on Equity (ROE)4.1017%4,849
Retained earnings to average equity (ytd only)4.1017%3,692
Net charge-offs to loans-0.0050%6,813
Credit loss provision to net charge-offs-12,300.0000%6,706
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3232%5,045
Assets per employee ($millions)4.1336%3,594
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2527%5,193
Loan loss allowance to noncurrent loans141.1017%1,982
Noncurrent assets plus other real estate owned to assets0.6316%5,937
Noncurrent loans to loans0.8878%5,545
Net loans and leases to total assets40.5325%7,216
Net loans and leases to deposits46.7766%7,292
Net loans and leases to core deposits54.0170%7,102
Total domestic deposits to total assets86.6513%2,815
Equity capital to assets12.6986%1,656
Core capital (leverage) ratio11.8915%1,694
Tier 1 risk-based capital ratio25.4750%817
Total risk-based capital ratio26.5953%808
Memoranda:
Average total assets$192,745,0003,326
Average earning assets$183,273,0003,221
Average equity$24,477,5002,667
Average total loans$80,080,0004,503
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8117%6,927
Cost of funding earning assets1.6119%4,978
Net interest margin3.1998%6,095
Noninterest income to average assets0.4057%5,159
Noninterest expense to average assets2.3875%6,503
Loan and lease loss provision to assets0.3146%4,931
Net operating income to assets0.5824%3,393
Return on assets (ROA)0.5824%3,470
Pretax return on assets0.7375%3,449
Return on Equity (ROE)4.3416%3,948
Retained earnings to average equity (ytd only)1.8559%3,801
Net charge-offs to loans0.2268%5,203
Credit loss provision to net charge-offs302.6738%1,094
Earnings coverage of net charge-offs (x)10.1230%1,721
Efficiency ratio68.6541%4,895
Assets per employee ($millions)4.0683%3,678
Cash dividends to net income (ytd only)*57.2519%2,125
Condition Ratios (%)
Loss allowance to loans1.0881%5,955
Loan loss allowance to noncurrent loans412.7358%811
Noncurrent assets plus other real estate owned to assets0.2960%6,707
Noncurrent loans to loans0.2636%6,769
Net loans and leases to total assets41.5979%7,267
Net loans and leases to deposits48.0860%7,352
Net loans and leases to core deposits66.6725%6,950
Total domestic deposits to total assets86.5074%2,760
Equity capital to assets12.7002%1,646
Core capital (leverage) ratio12.2258%1,565
Tier 1 risk-based capital ratio25.5590%796
Total risk-based capital ratio26.5552%800
Memoranda:
Average total assets$179,934,8003,439
Average earning assets$170,603,6003,338
Average equity$24,138,8002,706
Average total loans$82,464,6004,432
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8772%6,940
Cost of funding earning assets1.6723%5,051
Net interest margin3.2048%6,009
Noninterest income to average assets0.4185%5,146
Noninterest expense to average assets2.3938%6,432
Loan and lease loss provision to assets0.0512%6,864
Net operating income to assets0.6911%3,244
Return on assets (ROA)0.6911%3,297
Pretax return on assets1.0102%2,872
Return on Equity (ROE)5.0782%3,929
Retained earnings to average equity (ytd only)4.4144%2,802
Net charge-offs to loans0.2250%4,644
Credit loss provision to net charge-offs48.5714%6,331
Earnings coverage of net charge-offs (x)10.0715%2,013
Efficiency ratio68.5621%4,870
Assets per employee ($millions)3.8187%4,149
Cash dividends to net income (ytd only)*13.0722%3,436
Condition Ratios (%)
Loss allowance to loans0.5266%7,677
Loan loss allowance to noncurrent loans673.0159%505
Noncurrent assets plus other real estate owned to assets0.2460%6,899
Noncurrent loans to loans0.0782%7,300
Net loans and leases to total assets43.6985%7,265
Net loans and leases to deposits51.1292%7,355
Net loans and leases to core deposits71.7142%6,865
Total domestic deposits to total assets85.4669%2,988
Equity capital to assets13.6978%1,418
Core capital (leverage) ratio12.6983%1,499
Tier 1 risk-based capital ratio26.5794%785
Total risk-based capital ratio27.0740%813
Memoranda:
Average total assets$177,116,2503,506
Average earning assets$167,826,0003,406
Average equity$24,102,5002,735
Average total loans$82,977,2504,453
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9408%6,943
Cost of funding earning assets1.7552%4,974
Net interest margin3.1857%5,967
Noninterest income to average assets0.4421%4,914
Noninterest expense to average assets2.3136%6,724
Loan and lease loss provision to assets0.0674%6,529
Net operating income to assets0.7540%3,027
Return on assets (ROA)0.7540%3,133
Pretax return on assets1.0762%2,713
Return on Equity (ROE)5.5538%3,838
Retained earnings to average equity (ytd only)4.5441%2,765
Net charge-offs to loans0.0048%6,541
Credit loss provision to net charge-offs2,950.0000%175
Earnings coverage of net charge-offs (x)500.5000%62
Efficiency ratio66.2921%5,501
Assets per employee ($millions)3.6266%4,505
Cash dividends to net income (ytd only)*18.1818%3,208
Condition Ratios (%)
Loss allowance to loans0.6659%7,497
Loan loss allowance to noncurrent loans68.4406%4,012
Noncurrent assets plus other real estate owned to assets0.4642%6,286
Noncurrent loans to loans0.9730%5,273
Net loans and leases to total assets47.3871%7,086
Net loans and leases to deposits55.4495%7,195
Net loans and leases to core deposits77.1216%6,600
Total domestic deposits to total assets85.4599%3,034
Equity capital to assets13.8060%1,384
Core capital (leverage) ratio12.8300%1,489
Tier 1 risk-based capital ratio26.2474%835
Total risk-based capital ratio26.8921%866
Memoranda:
Average total assets$175,055,3303,553
Average earning assets$165,680,0003,467
Average equity$23,767,3302,783
Average total loans$83,795,3304,469
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9505%7,057
Cost of funding earning assets1.7973%5,123
Net interest margin3.1531%6,003
Noninterest income to average assets0.4785%4,520
Noninterest expense to average assets2.2262%6,780
Loan and lease loss provision to assets0.0592%6,217
Net operating income to assets0.8180%3,057
Return on assets (ROA)0.8180%3,209
Pretax return on assets1.1712%2,720
Return on Equity (ROE)6.0759%4,009
Retained earnings to average equity (ytd only)6.0759%2,589
Net charge-offs to loans-0.0048%7,174
Credit loss provision to net charge-offs-2,600.0000%6,660
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0738%5,676
Assets per employee ($millions)3.7769%4,154
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6222%7,622
Loan loss allowance to noncurrent loans4,023.0769%128
Noncurrent assets plus other real estate owned to assets0.0073%7,623
Noncurrent loans to loans0.0155%7,521
Net loans and leases to total assets47.0572%7,103
Net loans and leases to deposits54.8354%7,233
Net loans and leases to core deposits76.0499%6,673
Total domestic deposits to total assets85.8154%2,816
Equity capital to assets13.4624%1,544
Core capital (leverage) ratio12.7702%1,572
Tier 1 risk-based capital ratio25.5282%928
Total risk-based capital ratio26.1264%966
Memoranda:
Average total assets$175,544,5003,566
Average earning assets$165,802,5003,477
Average equity$23,634,5002,807
Average total loans$84,171,5004,489
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2859%7,613
Cost of funding earning assets2.1039%6,037
Net interest margin3.1820%6,420
Noninterest income to average assets0.4417%5,100
Noninterest expense to average assets2.2637%6,804
Loan and lease loss provision to assets0.0418%6,886
Net operating income to assets0.8630%3,155
Return on assets (ROA)0.4947%4,599
Pretax return on assets0.6572%4,525
Return on Equity (ROE)3.6846%4,956
Retained earnings to average equity (ytd only)1.0528%4,593
Net charge-offs to loans0.0226%6,533
Credit loss provision to net charge-offs394.4444%1,117
Earnings coverage of net charge-offs (x)112.2778%393
Efficiency ratio65.5413%5,212
Assets per employee ($millions)3.4715%4,745
Cash dividends to net income (ytd only)*71.4286%2,110
Condition Ratios (%)
Loss allowance to loans0.5885%7,696
Loan loss allowance to noncurrent loans3,100.0000%208
Noncurrent assets plus other real estate owned to assets0.0092%7,596
Noncurrent loans to loans0.0190%7,448
Net loans and leases to total assets48.2736%7,166
Net loans and leases to deposits56.3442%7,294
Net loans and leases to core deposits77.1973%6,786
Total domestic deposits to total assets85.6763%2,546
Equity capital to assets13.4647%1,606
Core capital (leverage) ratio12.9680%1,553
Tier 1 risk-based capital ratio25.2452%964
Total risk-based capital ratio25.8155%1,006
Memoranda:
Average total assets$169,814,2003,558
Average earning assets$160,748,0003,457
Average equity$22,797,4002,872
Average total loans$79,552,0004,533