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First National Bank in Taylorville, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9114%4,312
Cost of funding earning assets1.3124%3,576
Net interest margin2.5991%3,945
Noninterest income to average assets0.2900%2,950
Noninterest expense to average assets1.6215%4,116
Loan and lease loss provision to assets-0.3300%4,404
Net operating income to assets1.4616%1,157
Return on assets (ROA)1.4616%1,152
Pretax return on assets1.4923%1,535
Return on Equity (ROE)15.5800%967
Retained earnings to average equity (ytd only)14.3087%499
Net charge-offs to loans-0.0122%3,969
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio58.2474%3,150
Assets per employee ($millions)8.9663%1,128
Cash dividends to net income (ytd only)*8.1346%2,207
Condition Ratios (%)
Loss allowance to loans1.2047%2,161
Loan loss allowance to noncurrent loans972.8395%708
Noncurrent assets plus other real estate owned to assets0.0411%3,396
Noncurrent loans to loans0.1238%3,055
Net loans and leases to total assets32.7600%4,150
Net loans and leases to deposits37.6693%4,175
Net loans and leases to core deposits39.2448%4,179
Total domestic deposits to total assets86.9700%1,932
Equity capital to assets9.6989%2,428
Core capital (leverage) ratio13.6240%890
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$195,129,0003,043
Average earning assets$187,144,5002,998
Average equity$18,310,5003,122
Average total loans$65,721,0003,637
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7321%4,373
Cost of funding earning assets1.3185%3,645
Net interest margin2.4136%3,990
Noninterest income to average assets0.2600%3,313
Noninterest expense to average assets1.6634%4,129
Loan and lease loss provision to assets0.0100%2,986
Net operating income to assets0.8773%2,459
Return on assets (ROA)0.8778%2,476
Pretax return on assets0.9086%2,777
Return on Equity (ROE)9.8500%2,194
Retained earnings to average equity (ytd only)6.4436%1,642
Net charge-offs to loans-0.0579%4,357
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio64.5072%2,675
Assets per employee ($millions)8.3913%1,321
Cash dividends to net income (ytd only)*34.5593%2,394
Condition Ratios (%)
Loss allowance to loans1.4296%1,212
Loan loss allowance to noncurrent loans699.2593%954
Noncurrent assets plus other real estate owned to assets0.0699%3,187
Noncurrent loans to loans0.2044%2,698
Net loans and leases to total assets33.7200%4,158
Net loans and leases to deposits38.5707%4,184
Net loans and leases to core deposits40.0588%4,192
Total domestic deposits to total assets87.4400%1,731
Equity capital to assets9.0617%2,772
Core capital (leverage) ratio13.5866%895
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$195,137,4003,030
Average earning assets$187,106,8002,985
Average equity$17,397,2003,148
Average total loans$63,872,2003,647
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7063%4,405
Cost of funding earning assets1.3077%3,658
Net interest margin2.3985%4,006
Noninterest income to average assets0.2700%3,229
Noninterest expense to average assets1.6135%4,168
Loan and lease loss provision to assets0.0100%2,797
Net operating income to assets0.9138%2,335
Return on assets (ROA)0.9144%2,338
Pretax return on assets0.9451%2,703
Return on Equity (ROE)10.3000%2,102
Retained earnings to average equity (ytd only)8.8481%1,150
Net charge-offs to loans-0.0884%4,432
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio62.8450%2,828
Assets per employee ($millions)8.6732%1,198
Cash dividends to net income (ytd only)*14.0835%2,718
Condition Ratios (%)
Loss allowance to loans1.4614%1,155
Loan loss allowance to noncurrent loans608.3333%1,079
Noncurrent assets plus other real estate owned to assets0.0782%3,165
Noncurrent loans to loans0.2402%2,571
Net loans and leases to total assets32.0800%4,219
Net loans and leases to deposits38.3231%4,220
Net loans and leases to core deposits40.0661%4,225
Total domestic deposits to total assets83.7000%2,663
Equity capital to assets9.9943%2,300
Core capital (leverage) ratio13.4151%966
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$195,672,0003,022
Average earning assets$187,497,5002,973
Average equity$17,374,2503,153
Average total loans$63,332,2503,668
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6559%4,420
Cost of funding earning assets1.2319%3,739
Net interest margin2.4240%3,972
Noninterest income to average assets0.2700%3,207
Noninterest expense to average assets1.6306%4,161
Loan and lease loss provision to assets0.0100%2,670
Net operating income to assets0.9208%2,250
Return on assets (ROA)0.9218%2,247
Pretax return on assets0.9527%2,615
Return on Equity (ROE)10.8500%1,933
Retained earnings to average equity (ytd only)9.5521%976
Net charge-offs to loans-0.1274%4,474
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio62.8719%2,903
Assets per employee ($millions)8.8234%1,070
Cash dividends to net income (ytd only)*11.9420%2,701
Condition Ratios (%)
Loss allowance to loans1.4726%1,154
Loan loss allowance to noncurrent loans580.9816%1,143
Noncurrent assets plus other real estate owned to assets0.0840%3,069
Noncurrent loans to loans0.2535%2,470
Net loans and leases to total assets32.6400%4,216
Net loans and leases to deposits38.4227%4,228
Net loans and leases to core deposits39.8499%4,238
Total domestic deposits to total assets84.9500%2,329
Equity capital to assets8.5903%3,039
Core capital (leverage) ratio13.1868%1,031
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$194,401,3333,036
Average earning assets$186,386,0002,984
Average equity$16,520,0003,198
Average total loans$62,796,6673,678
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5540%4,457
Cost of funding earning assets1.1353%3,828
Net interest margin2.4187%3,979
Noninterest income to average assets0.2900%2,998
Noninterest expense to average assets1.5667%4,224
Loan and lease loss provision to assets0.0200%2,205
Net operating income to assets0.9870%1,967
Return on assets (ROA)0.9890%1,969
Pretax return on assets1.0198%2,334
Return on Equity (ROE)11.7000%1,654
Retained earnings to average equity (ytd only)9.8039%1,155
Net charge-offs to loans0.0774%845
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)42.1667%1,023
Efficiency ratio60.0946%3,256
Assets per employee ($millions)8.8737%1,070
Cash dividends to net income (ytd only)*16.2162%2,063
Condition Ratios (%)
Loss allowance to loans1.4533%1,207
Loan loss allowance to noncurrent loans1,028.7356%813
Noncurrent assets plus other real estate owned to assets0.0446%3,381
Noncurrent loans to loans0.1413%2,900
Net loans and leases to total assets31.0900%4,257
Net loans and leases to deposits36.0944%4,261
Net loans and leases to core deposits37.2375%4,312
Total domestic deposits to total assets86.1200%2,053
Equity capital to assets8.3659%3,102
Core capital (leverage) ratio13.0771%1,018
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$194,545,0003,038
Average earning assets$186,379,0002,988
Average equity$16,442,5003,219
Average total loans$62,042,0003,695
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4199%4,426
Cost of funding earning assets0.7943%3,750
Net interest margin2.6256%3,934
Noninterest income to average assets0.2600%3,376
Noninterest expense to average assets1.6347%4,210
Loan and lease loss provision to assets-0.0100%4,255
Net operating income to assets1.1082%1,898
Return on assets (ROA)1.1082%1,868
Pretax return on assets1.1365%2,298
Return on Equity (ROE)16.3700%1,048
Retained earnings to average equity (ytd only)10.4911%910
Net charge-offs to loans0.1608%654
Credit loss provision to net charge-offs-34.2857%4,451
Earnings coverage of net charge-offs (x)21.9429%1,827
Efficiency ratio59.2285%3,165
Assets per employee ($millions)8.4291%1,209
Cash dividends to net income (ytd only)*35.9189%2,304
Condition Ratios (%)
Loss allowance to loans1.4512%1,197
Loan loss allowance to noncurrent loans3,239.2857%345
Noncurrent assets plus other real estate owned to assets0.0144%3,662
Noncurrent loans to loans0.0448%3,400
Net loans and leases to total assets31.7700%4,255
Net loans and leases to deposits37.0898%4,256
Net loans and leases to core deposits38.1871%4,311
Total domestic deposits to total assets85.6600%2,120
Equity capital to assets8.5382%3,022
Core capital (leverage) ratio12.7915%1,119
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$204,750,8002,956
Average earning assets$195,267,0002,910
Average equity$13,859,4003,355
Average total loans$65,297,0003,626
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3519%4,433
Cost of funding earning assets0.7431%3,666
Net interest margin2.6088%4,021
Noninterest income to average assets0.2600%3,384
Noninterest expense to average assets1.6265%4,210
Loan and lease loss provision to assets0.0700%1,559
Net operating income to assets1.0218%2,297
Return on assets (ROA)1.0218%2,286
Pretax return on assets1.0507%2,710
Return on Equity (ROE)16.0800%1,244
Retained earnings to average equity (ytd only)13.5494%735
Net charge-offs to loans0.0020%2,496
Credit loss provision to net charge-offs9,000.0000%56
Earnings coverage of net charge-offs (x)1,737.0000%84
Efficiency ratio59.3018%3,046
Assets per employee ($millions)5.9008%2,835
Cash dividends to net income (ytd only)*15.7233%2,618
Condition Ratios (%)
Loss allowance to loans1.8083%561
Loan loss allowance to noncurrent loans55.5447%3,592
Noncurrent assets plus other real estate owned to assets1.0512%477
Noncurrent loans to loans3.2556%120
Net loans and leases to total assets31.7100%4,286
Net loans and leases to deposits35.9041%4,301
Net loans and leases to core deposits36.8232%4,313
Total domestic deposits to total assets88.3100%1,470
Equity capital to assets6.1455%3,937
Core capital (leverage) ratio12.3230%1,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$207,471,2502,942
Average earning assets$197,736,5002,893
Average equity$13,186,0003,402
Average total loans$65,995,7503,619
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3175%4,454
Cost of funding earning assets0.7069%3,468
Net interest margin2.6106%4,101
Noninterest income to average assets0.2500%3,420
Noninterest expense to average assets1.6522%4,207
Loan and lease loss provision to assets0.1000%1,140
Net operating income to assets0.9579%2,554
Return on assets (ROA)0.9579%2,548
Pretax return on assets0.9862%2,955
Return on Equity (ROE)14.9200%1,488
Retained earnings to average equity (ytd only)12.4335%898
Net charge-offs to loans-0.0030%3,605
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio60.4145%2,911
Assets per employee ($millions)9.3193%821
Cash dividends to net income (ytd only)*16.6667%2,547
Condition Ratios (%)
Loss allowance to loans1.7654%662
Loan loss allowance to noncurrent loans55.6696%3,602
Noncurrent assets plus other real estate owned to assets0.9979%471
Noncurrent loans to loans3.1713%129
Net loans and leases to total assets30.9100%4,310
Net loans and leases to deposits35.0734%4,314
Net loans and leases to core deposits35.8932%4,328
Total domestic deposits to total assets88.1400%1,555
Equity capital to assets6.6295%3,931
Core capital (leverage) ratio12.3305%1,228
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$211,719,0002,923
Average earning assets$201,719,3332,880
Average equity$13,592,3333,388
Average total loans$67,035,3333,610
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3070%4,432
Cost of funding earning assets0.6704%3,152
Net interest margin2.6366%4,168
Noninterest income to average assets0.2800%3,222
Noninterest expense to average assets1.4470%4,432
Loan and lease loss provision to assets0.1700%639
Net operating income to assets1.1457%2,079
Return on assets (ROA)1.1457%2,052
Pretax return on assets1.1736%2,501
Return on Equity (ROE)18.1300%1,012
Retained earnings to average equity (ytd only)13.9489%947
Net charge-offs to loans-0.0293%4,212
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio51.9013%3,789
Assets per employee ($millions)8.9311%961
Cash dividends to net income (ytd only)*23.0519%1,901
Condition Ratios (%)
Loss allowance to loans1.7320%755
Loan loss allowance to noncurrent loans54.4545%3,672
Noncurrent assets plus other real estate owned to assets0.9793%423
Noncurrent loans to loans3.1806%136
Net loans and leases to total assets30.2600%4,361
Net loans and leases to deposits34.2254%4,373
Net loans and leases to core deposits34.9264%4,382
Total domestic deposits to total assets88.4000%1,779
Equity capital to assets6.5707%4,009
Core capital (leverage) ratio11.0186%1,836
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$215,066,5002,942
Average earning assets$204,657,0002,899
Average equity$13,592,5003,429
Average total loans$68,294,5003,634
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9273%4,219
Cost of funding earning assets0.4613%1,642
Net interest margin2.4660%4,313
Noninterest income to average assets0.2500%3,641
Noninterest expense to average assets1.4961%4,430
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.1019%2,166
Return on assets (ROA)1.1036%2,094
Pretax return on assets1.1259%2,684
Return on Equity (ROE)15.3600%1,176
Retained earnings to average equity (ytd only)10.2189%1,090
Net charge-offs to loans0.0042%2,296
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)842.0000%220
Efficiency ratio57.0992%3,458
Assets per employee ($millions)8.9911%922
Cash dividends to net income (ytd only)*33.4677%2,252
Condition Ratios (%)
Loss allowance to loans1.3259%1,780
Loan loss allowance to noncurrent loans813.9130%1,150
Noncurrent assets plus other real estate owned to assets0.0593%3,218
Noncurrent loans to loans0.1629%2,677
Net loans and leases to total assets32.2800%4,331
Net loans and leases to deposits36.3696%4,335
Net loans and leases to core deposits36.8075%4,361
Total domestic deposits to total assets88.7600%1,794
Equity capital to assets6.0713%4,064
Core capital (leverage) ratio10.8410%1,922
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$224,710,8002,875
Average earning assets$216,346,4002,820
Average equity$16,146,6003,261
Average total loans$70,855,2003,567
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8435%4,136
Cost of funding earning assets0.4276%1,112
Net interest margin2.4159%4,303
Noninterest income to average assets0.2500%3,673
Noninterest expense to average assets1.4529%4,472
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.1016%2,081
Return on assets (ROA)1.1039%2,041
Pretax return on assets1.1251%2,643
Return on Equity (ROE)14.8200%1,215
Retained earnings to average equity (ytd only)12.4356%708
Net charge-offs to loans-0.0056%3,509
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio56.4097%3,584
Assets per employee ($millions)9.0811%869
Cash dividends to net income (ytd only)*16.0724%2,621
Condition Ratios (%)
Loss allowance to loans1.3102%1,985
Loan loss allowance to noncurrent loans759.6774%1,186
Noncurrent assets plus other real estate owned to assets0.0569%3,324
Noncurrent loans to loans0.1725%2,731
Net loans and leases to total assets32.5600%4,353
Net loans and leases to deposits36.1898%4,358
Net loans and leases to core deposits36.5861%4,385
Total domestic deposits to total assets89.9600%1,678
Equity capital to assets5.0077%4,295
Core capital (leverage) ratio10.6585%1,984
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$226,942,0002,882
Average earning assets$218,878,2502,828
Average equity$16,908,0003,246
Average total loans$70,920,2503,576
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7184%4,114
Cost of funding earning assets0.4187%814
Net interest margin2.2997%4,334
Noninterest income to average assets0.2409%3,729
Noninterest expense to average assets1.4439%4,483
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.0003%2,154
Return on assets (ROA)1.0037%2,112
Pretax return on assets1.0220%2,648
Return on Equity (ROE)12.2078%1,616
Retained earnings to average equity (ytd only)10.2613%958
Net charge-offs to loans0.0028%1,972
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)1,171.0000%105
Efficiency ratio58.6365%3,473
Assets per employee ($millions)9.7520%710
Cash dividends to net income (ytd only)*15.9445%2,615
Condition Ratios (%)
Loss allowance to loans1.3087%2,153
Loan loss allowance to noncurrent loans1,839.2157%592
Noncurrent assets plus other real estate owned to assets0.0227%3,773
Noncurrent loans to loans0.0712%3,444
Net loans and leases to total assets31.5363%4,414
Net loans and leases to deposits34.1558%4,444
Net loans and leases to core deposits34.5091%4,466
Total domestic deposits to total assets92.3307%713
Equity capital to assets5.5150%4,358
Core capital (leverage) ratio10.1299%2,253
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$229,940,6672,889
Average earning assets$222,114,6672,836
Average equity$18,906,0003,159
Average total loans$70,593,6673,613
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5620%4,181
Cost of funding earning assets0.4101%818
Net interest margin2.1519%4,398
Noninterest income to average assets0.2578%3,592
Noninterest expense to average assets1.3937%4,545
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9297%2,154
Return on assets (ROA)0.9297%2,147
Pretax return on assets0.9469%2,607
Return on Equity (ROE)9.7592%2,066
Retained earnings to average equity (ytd only)7.8109%1,638
Net charge-offs to loans0.0057%1,544
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)551.0000%184
Efficiency ratio59.5448%3,530
Assets per employee ($millions)9.9248%695
Cash dividends to net income (ytd only)*19.9630%1,979
Condition Ratios (%)
Loss allowance to loans1.3904%1,943
Loan loss allowance to noncurrent loans1,284.9315%749
Noncurrent assets plus other real estate owned to assets0.0344%3,697
Noncurrent loans to loans0.1082%3,300
Net loans and leases to total assets27.9281%4,511
Net loans and leases to deposits31.7654%4,503
Net loans and leases to core deposits32.3243%4,523
Total domestic deposits to total assets87.9199%2,560
Equity capital to assets8.0548%3,527
Core capital (leverage) ratio10.0086%2,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$232,762,5002,883
Average earning assets$225,290,0002,835
Average equity$22,174,0002,971
Average total loans$70,054,0003,617
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8832%4,087
Cost of funding earning assets0.4376%1,271
Net interest margin2.4455%4,260
Noninterest income to average assets0.2473%3,892
Noninterest expense to average assets1.4926%4,551
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.0712%2,408
Return on assets (ROA)1.0733%2,472
Pretax return on assets1.1098%2,934
Return on Equity (ROE)7.0458%3,504
Retained earnings to average equity (ytd only)-36.9264%4,822
Net charge-offs to loans-0.0252%4,066
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4031%3,533
Assets per employee ($millions)9.4721%793
Cash dividends to net income (ytd only)*624.0891%4
Condition Ratios (%)
Loss allowance to loans1.2926%2,392
Loan loss allowance to noncurrent loans1,422.7273%676
Noncurrent assets plus other real estate owned to assets0.0330%3,798
Noncurrent loans to loans0.0909%3,473
Net loans and leases to total assets31.5434%4,466
Net loans and leases to deposits37.2059%4,439
Net loans and leases to core deposits37.8886%4,462
Total domestic deposits to total assets84.7808%3,335
Equity capital to assets11.0684%1,752
Core capital (leverage) ratio10.2251%2,151
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$230,131,0002,843
Average earning assets$221,423,8002,803
Average equity$35,056,2002,291
Average total loans$75,405,6003,548
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9136%4,149
Cost of funding earning assets0.4452%1,385
Net interest margin2.4684%4,329
Noninterest income to average assets0.2466%3,921
Noninterest expense to average assets1.4417%4,650
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.1345%2,423
Return on assets (ROA)1.1373%2,475
Pretax return on assets1.1777%2,998
Return on Equity (ROE)6.9952%3,668
Retained earnings to average equity (ytd only)-22.9004%4,889
Net charge-offs to loans-0.0543%4,394
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0993%3,644
Assets per employee ($millions)8.7590%974
Cash dividends to net income (ytd only)*427.3743%11
Condition Ratios (%)
Loss allowance to loans1.2572%2,693
Loan loss allowance to noncurrent loans1,378.2609%621
Noncurrent assets plus other real estate owned to assets0.0330%3,938
Noncurrent loans to loans0.0912%3,620
Net loans and leases to total assets31.5830%4,549
Net loans and leases to deposits38.4271%4,506
Net loans and leases to core deposits39.1250%4,537
Total domestic deposits to total assets82.1894%3,890
Equity capital to assets13.7640%787
Core capital (leverage) ratio12.6478%943
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$230,831,0002,872
Average earning assets$221,624,7502,828
Average equity$37,529,7502,199
Average total loans$76,095,2503,593
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7981%4,342
Cost of funding earning assets0.4577%1,468
Net interest margin2.3404%4,475
Noninterest income to average assets0.2498%3,905
Noninterest expense to average assets1.4729%4,648
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9778%2,968
Return on assets (ROA)0.9819%3,043
Pretax return on assets1.0282%3,377
Return on Equity (ROE)5.7363%3,971
Retained earnings to average equity (ytd only)4.5267%3,351
Net charge-offs to loans-0.0761%4,535
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9923%3,154
Assets per employee ($millions)8.4878%1,012
Cash dividends to net income (ytd only)*21.0854%2,460
Condition Ratios (%)
Loss allowance to loans1.2154%2,844
Loan loss allowance to noncurrent loans1,248.6842%625
Noncurrent assets plus other real estate owned to assets0.0509%3,910
Noncurrent loans to loans0.0973%3,697
Net loans and leases to total assets32.4552%4,575
Net loans and leases to deposits40.9506%4,493
Net loans and leases to core deposits41.7171%4,524
Total domestic deposits to total assets79.2546%4,316
Equity capital to assets16.6551%355
Core capital (leverage) ratio15.8550%388
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,943,3332,884
Average earning assets$219,792,6672,830
Average equity$39,189,3332,128
Average total loans$76,246,0003,614
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8154%4,363
Cost of funding earning assets0.4698%1,594
Net interest margin2.3455%4,471
Noninterest income to average assets0.2547%3,873
Noninterest expense to average assets1.4337%4,707
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.0528%2,627
Return on assets (ROA)1.0615%2,681
Pretax return on assets1.0793%3,168
Return on Equity (ROE)6.1139%3,828
Retained earnings to average equity (ytd only)4.5957%3,341
Net charge-offs to loans-0.1062%4,652
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.2546%3,400
Assets per employee ($millions)8.5911%958
Cash dividends to net income (ytd only)*24.8322%1,865
Condition Ratios (%)
Loss allowance to loans1.2633%2,598
Loan loss allowance to noncurrent loans701.4925%897
Noncurrent assets plus other real estate owned to assets0.1285%3,531
Noncurrent loans to loans0.1801%3,460
Net loans and leases to total assets31.6731%4,640
Net loans and leases to deposits39.7801%4,573
Net loans and leases to core deposits40.4639%4,610
Total domestic deposits to total assets79.6206%4,249
Equity capital to assets16.6611%341
Core capital (leverage) ratio16.3531%354
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$224,586,5002,901
Average earning assets$215,390,0002,851
Average equity$38,993,0002,125
Average total loans$75,328,5003,648
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4443%4,133
Cost of funding earning assets0.6045%2,270
Net interest margin2.8398%4,200
Noninterest income to average assets0.2409%4,055
Noninterest expense to average assets1.6066%4,699
Loan and lease loss provision to assets0.0314%4,007
Net operating income to assets1.3043%1,236
Return on assets (ROA)1.3067%1,333
Pretax return on assets1.3279%1,892
Return on Equity (ROE)7.1847%3,132
Retained earnings to average equity (ytd only)4.5007%2,530
Net charge-offs to loans0.0169%2,755
Credit loss provision to net charge-offs500.0000%1,248
Earnings coverage of net charge-offs (x)215.7692%444
Efficiency ratio54.2116%4,190
Assets per employee ($millions)8.0449%1,024
Cash dividends to net income (ytd only)*37.3565%2,480
Condition Ratios (%)
Loss allowance to loans1.2066%2,910
Loan loss allowance to noncurrent loans938.7755%706
Noncurrent assets plus other real estate owned to assets0.1386%3,600
Noncurrent loans to loans0.1285%3,766
Net loans and leases to total assets34.6793%4,621
Net loans and leases to deposits44.5567%4,512
Net loans and leases to core deposits45.2986%4,562
Total domestic deposits to total assets77.8319%4,336
Equity capital to assets18.1108%266
Core capital (leverage) ratio16.8739%322
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$206,710,6002,890
Average earning assets$198,184,8002,844
Average equity$37,593,8002,104
Average total loans$77,115,0003,608
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5351%4,147
Cost of funding earning assets0.6325%2,419
Net interest margin2.9027%4,179
Noninterest income to average assets0.2437%4,023
Noninterest expense to average assets1.5817%4,744
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.4217%1,054
Return on assets (ROA)1.4249%1,134
Pretax return on assets1.4477%1,583
Return on Equity (ROE)7.8259%2,871
Retained earnings to average equity (ytd only)5.7986%2,183
Net charge-offs to loans-0.0086%4,191
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.2668%4,321
Assets per employee ($millions)7.9725%1,008
Cash dividends to net income (ytd only)*25.9055%2,545
Condition Ratios (%)
Loss allowance to loans1.1859%2,747
Loan loss allowance to noncurrent loans721.4876%800
Noncurrent assets plus other real estate owned to assets0.1510%3,661
Noncurrent loans to loans0.1644%3,726
Net loans and leases to total assets33.7922%4,745
Net loans and leases to deposits43.4010%4,679
Net loans and leases to core deposits44.1284%4,710
Total domestic deposits to total assets77.8604%4,220
Equity capital to assets18.1797%289
Core capital (leverage) ratio17.0658%335
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$204,085,0002,888
Average earning assets$195,631,7502,847
Average equity$37,157,5002,114
Average total loans$77,331,7503,620
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6469%4,179
Cost of funding earning assets0.6584%2,636
Net interest margin2.9884%4,150
Noninterest income to average assets0.2246%4,146
Noninterest expense to average assets1.6390%4,748
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.4205%1,067
Return on assets (ROA)1.4254%1,149
Pretax return on assets1.4494%1,591
Return on Equity (ROE)7.8249%2,819
Retained earnings to average equity (ytd only)5.7591%2,173
Net charge-offs to loans-0.0305%4,553
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1564%4,269
Assets per employee ($millions)7.5819%1,137
Cash dividends to net income (ytd only)*26.4006%2,502
Condition Ratios (%)
Loss allowance to loans1.1248%2,904
Loan loss allowance to noncurrent loans66.8185%3,775
Noncurrent assets plus other real estate owned to assets0.9666%1,247
Noncurrent loans to loans1.6833%859
Net loans and leases to total assets36.4391%4,710
Net loans and leases to deposits46.7918%4,626
Net loans and leases to core deposits47.5847%4,676
Total domestic deposits to total assets77.8750%4,202
Equity capital to assets18.1282%293
Core capital (leverage) ratio17.2214%330
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$200,361,0002,898
Average earning assets$191,671,3332,862
Average equity$36,499,0002,131
Average total loans$78,571,3333,609
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7922%4,250
Cost of funding earning assets0.6840%3,001
Net interest margin3.1082%4,078
Noninterest income to average assets0.2963%3,748
Noninterest expense to average assets1.6317%4,834
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.6114%614
Return on assets (ROA)1.6214%656
Pretax return on assets1.6482%954
Return on Equity (ROE)8.8774%2,163
Retained earnings to average equity (ytd only)6.1060%1,833
Net charge-offs to loans-0.0203%4,341
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.9056%4,671
Assets per employee ($millions)6.9920%1,094
Cash dividends to net income (ytd only)*31.2183%2,117
Condition Ratios (%)
Loss allowance to loans1.1178%3,099
Loan loss allowance to noncurrent loans1,117.9487%518
Noncurrent assets plus other real estate owned to assets0.4408%2,700
Noncurrent loans to loans0.1000%4,108
Net loans and leases to total assets39.4020%4,687
Net loans and leases to deposits48.2460%4,650
Net loans and leases to core deposits48.9330%4,703
Total domestic deposits to total assets81.6689%3,505
Equity capital to assets18.0261%352
Core capital (leverage) ratio18.0113%334
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$194,394,5002,913
Average earning assets$185,961,0002,860
Average equity$35,506,0002,173
Average total loans$78,738,0003,605
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9091%4,422
Cost of funding earning assets0.6598%3,364
Net interest margin3.2493%4,084
Noninterest income to average assets0.2539%4,156
Noninterest expense to average assets1.7226%4,852
Loan and lease loss provision to assets0.4675%282
Net operating income to assets1.1672%2,187
Return on assets (ROA)1.1667%2,286
Pretax return on assets1.1780%2,918
Return on Equity (ROE)6.5130%3,736
Retained earnings to average equity (ytd only)3.3662%3,329
Net charge-offs to loans1.2514%123
Credit loss provision to net charge-offs91.0373%2,640
Earnings coverage of net charge-offs (x)3.2054%3,347
Efficiency ratio51.1360%4,658
Assets per employee ($millions)6.6556%1,208
Cash dividends to net income (ytd only)*48.3156%2,173
Condition Ratios (%)
Loss allowance to loans1.0923%2,996
Loan loss allowance to noncurrent loans1,112.8205%533
Noncurrent assets plus other real estate owned to assets0.5425%2,264
Noncurrent loans to loans0.0982%4,133
Net loans and leases to total assets40.7208%4,709
Net loans and leases to deposits50.2044%4,680
Net loans and leases to core deposits50.7674%4,737
Total domestic deposits to total assets81.1100%3,744
Equity capital to assets18.5071%331
Core capital (leverage) ratio17.7289%358
Tier 1 risk-based capital ratio35.1973%327
Total risk-based capital ratio36.0822%327
Memoranda:
Average total assets$193,371,0002,893
Average earning assets$185,363,0002,836
Average equity$34,638,6002,160
Average total loans$79,351,6003,614
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9080%4,528
Cost of funding earning assets0.6421%3,493
Net interest margin3.2659%4,155
Noninterest income to average assets0.2584%4,196
Noninterest expense to average assets1.6899%4,929
Loan and lease loss provision to assets0.0889%2,122
Net operating income to assets1.5934%947
Return on assets (ROA)1.5927%993
Pretax return on assets1.6127%1,592
Return on Equity (ROE)8.9655%2,902
Retained earnings to average equity (ytd only)6.4399%2,147
Net charge-offs to loans0.0387%2,312
Credit loss provision to net charge-offs560.8696%575
Earnings coverage of net charge-offs (x)107.3769%710
Efficiency ratio49.8171%4,755
Assets per employee ($millions)6.7476%1,134
Cash dividends to net income (ytd only)*28.1696%2,693
Condition Ratios (%)
Loss allowance to loans1.3345%1,821
Loan loss allowance to noncurrent loans46.3585%4,232
Noncurrent assets plus other real estate owned to assets1.2290%1,018
Noncurrent loans to loans2.8787%356
Net loans and leases to total assets40.1625%4,812
Net loans and leases to deposits49.7370%4,779
Net loans and leases to core deposits51.1627%4,812
Total domestic deposits to total assets80.7497%3,820
Equity capital to assets18.5185%349
Core capital (leverage) ratio18.1864%341
Tier 1 risk-based capital ratio35.4525%333
Total risk-based capital ratio36.5288%332
Memoranda:
Average total assets$193,460,7502,913
Average earning assets$185,631,2502,861
Average equity$34,368,0002,186
Average total loans$79,323,5003,650
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9634%4,450
Cost of funding earning assets0.6191%3,559
Net interest margin3.3443%4,040
Noninterest income to average assets0.2314%4,367
Noninterest expense to average assets1.6739%5,000
Loan and lease loss provision to assets0.0042%3,640
Net operating income to assets1.7372%675
Return on assets (ROA)1.7362%707
Pretax return on assets1.7590%1,151
Return on Equity (ROE)9.9155%2,434
Retained earnings to average equity (ytd only)7.3018%1,687
Net charge-offs to loans-0.0126%4,396
Credit loss provision to net charge-offs-80.0000%3,873
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6870%4,857
Assets per employee ($millions)6.6348%1,169
Cash dividends to net income (ytd only)*26.3598%2,791
Condition Ratios (%)
Loss allowance to loans1.2367%2,320
Loan loss allowance to noncurrent loans1,136.4706%537
Noncurrent assets plus other real estate owned to assets0.1024%4,245
Noncurrent loans to loans0.1088%4,186
Net loans and leases to total assets40.0929%4,842
Net loans and leases to deposits49.6444%4,815
Net loans and leases to core deposits50.9592%4,844
Total domestic deposits to total assets80.7602%3,881
Equity capital to assets18.5315%329
Core capital (leverage) ratio17.9548%348
Tier 1 risk-based capital ratio35.7524%319
Total risk-based capital ratio36.7510%321
Memoranda:
Average total assets$192,721,0002,935
Average earning assets$184,790,6702,874
Average equity$33,745,0002,212
Average total loans$79,213,6703,674
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9692%4,432
Cost of funding earning assets0.6073%3,531
Net interest margin3.3619%4,002
Noninterest income to average assets0.2758%4,035
Noninterest expense to average assets1.6902%5,026
Loan and lease loss provision to assets0.0083%3,329
Net operating income to assets1.7669%631
Return on assets (ROA)1.7649%650
Pretax return on assets1.7897%997
Return on Equity (ROE)10.3814%2,200
Retained earnings to average equity (ytd only)7.0022%2,042
Net charge-offs to loans-0.0100%4,230
Credit loss provision to net charge-offs-200.0000%3,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.4254%4,926
Assets per employee ($millions)6.6565%1,167
Cash dividends to net income (ytd only)*32.5499%2,156
Condition Ratios (%)
Loss allowance to loans1.2451%2,352
Loan loss allowance to noncurrent loans776.6129%750
Noncurrent assets plus other real estate owned to assets0.2953%3,425
Noncurrent loans to loans0.1603%4,024
Net loans and leases to total assets39.5684%4,903
Net loans and leases to deposits48.3541%4,871
Net loans and leases to core deposits49.6929%4,899
Total domestic deposits to total assets81.8305%3,771
Equity capital to assets17.3567%412
Core capital (leverage) ratio17.3441%393
Tier 1 risk-based capital ratio34.9715%324
Total risk-based capital ratio35.9643%324
Memoranda:
Average total assets$192,877,5002,966
Average earning assets$184,418,0002,909
Average equity$32,789,5002,263
Average total loans$79,766,5003,699
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9576%4,145
Cost of funding earning assets0.5342%3,150
Net interest margin3.4234%3,931
Noninterest income to average assets0.3416%3,827
Noninterest expense to average assets1.8210%4,984
Loan and lease loss provision to assets0.0247%3,678
Net operating income to assets1.7502%616
Return on assets (ROA)1.7502%608
Pretax return on assets1.7717%990
Return on Equity (ROE)10.6416%2,227
Retained earnings to average equity (ytd only)5.9669%2,212
Net charge-offs to loans0.1593%1,208
Credit loss provision to net charge-offs37.0079%3,303
Earnings coverage of net charge-offs (x)26.9528%1,707
Efficiency ratio50.3409%4,919
Assets per employee ($millions)6.4239%1,250
Cash dividends to net income (ytd only)*43.9280%2,305
Condition Ratios (%)
Loss allowance to loans1.1644%2,750
Loan loss allowance to noncurrent loans765.6000%760
Noncurrent assets plus other real estate owned to assets0.3077%3,333
Noncurrent loans to loans0.1521%4,059
Net loans and leases to total assets42.1504%4,876
Net loans and leases to deposits51.2253%4,845
Net loans and leases to core deposits52.6356%4,885
Total domestic deposits to total assets82.2844%3,559
Equity capital to assets16.6431%452
Core capital (leverage) ratio17.3753%373
Tier 1 risk-based capital ratio32.7889%375
Total risk-based capital ratio33.7300%378
Memoranda:
Average total assets$190,550,6002,958
Average earning assets$182,331,2002,894
Average equity$31,339,4002,262
Average total loans$79,700,0003,675
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9311%4,135
Cost of funding earning assets0.5161%3,089
Net interest margin3.4150%3,960
Noninterest income to average assets0.3621%3,713
Noninterest expense to average assets1.7774%5,059
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.8350%569
Return on assets (ROA)1.8350%568
Pretax return on assets1.8581%885
Return on Equity (ROE)11.1908%2,099
Retained earnings to average equity (ytd only)8.3364%1,499
Net charge-offs to loans0.1635%1,008
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)27.2990%1,709
Efficiency ratio48.8902%5,006
Assets per employee ($millions)6.1478%1,384
Cash dividends to net income (ytd only)*25.5067%2,772
Condition Ratios (%)
Loss allowance to loans1.1524%2,895
Loan loss allowance to noncurrent loans344.3223%1,494
Noncurrent assets plus other real estate owned to assets0.4004%3,083
Noncurrent loans to loans0.3347%3,466
Net loans and leases to total assets42.3069%4,945
Net loans and leases to deposits52.7252%4,863
Net loans and leases to core deposits53.2750%4,927
Total domestic deposits to total assets80.2404%4,057
Equity capital to assets16.4355%466
Core capital (leverage) ratio17.6331%363
Tier 1 risk-based capital ratio33.2395%361
Total risk-based capital ratio34.1745%367
Memoranda:
Average total assets$190,009,0002,983
Average earning assets$182,131,5002,920
Average equity$31,155,7502,273
Average total loans$79,078,0003,713
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9076%4,059
Cost of funding earning assets0.5022%2,996
Net interest margin3.4054%3,936
Noninterest income to average assets0.3888%3,564
Noninterest expense to average assets1.7901%5,110
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.8407%535
Return on assets (ROA)1.8407%535
Pretax return on assets1.8639%854
Return on Equity (ROE)11.2347%2,025
Retained earnings to average equity (ytd only)8.3666%1,464
Net charge-offs to loans0.1713%911
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)26.4030%1,601
Efficiency ratio48.9908%5,076
Assets per employee ($millions)6.0605%1,422
Cash dividends to net income (ytd only)*25.5295%2,780
Condition Ratios (%)
Loss allowance to loans1.2547%2,405
Loan loss allowance to noncurrent loans174.7748%2,494
Noncurrent assets plus other real estate owned to assets0.5445%2,597
Noncurrent loans to loans0.7179%2,317
Net loans and leases to total assets40.6316%5,039
Net loans and leases to deposits49.1488%4,999
Net loans and leases to core deposits49.6052%5,050
Total domestic deposits to total assets82.6705%3,504
Equity capital to assets16.6003%437
Core capital (leverage) ratio17.1616%378
Tier 1 risk-based capital ratio33.8488%349
Total risk-based capital ratio34.8508%349
Memoranda:
Average total assets$189,818,3303,007
Average earning assets$182,004,3302,937
Average equity$31,100,0002,283
Average total loans$78,247,6703,747
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8841%3,974
Cost of funding earning assets0.5024%2,778
Net interest margin3.3817%3,943
Noninterest income to average assets0.4214%3,306
Noninterest expense to average assets1.8701%5,070
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.7695%592
Return on assets (ROA)1.7695%601
Pretax return on assets1.7967%918
Return on Equity (ROE)10.8707%2,023
Retained earnings to average equity (ytd only)7.5219%2,037
Net charge-offs to loans-0.1372%5,299
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0006%5,024
Assets per employee ($millions)6.1464%1,405
Cash dividends to net income (ytd only)*30.8057%2,126
Condition Ratios (%)
Loss allowance to loans1.3910%1,877
Loan loss allowance to noncurrent loans174.4262%2,497
Noncurrent assets plus other real estate owned to assets0.6660%2,328
Noncurrent loans to loans0.7974%2,216
Net loans and leases to total assets39.5881%5,086
Net loans and leases to deposits47.6242%5,051
Net loans and leases to core deposits47.9344%5,102
Total domestic deposits to total assets83.1261%3,624
Equity capital to assets16.0982%477
Core capital (leverage) ratio16.5325%428
Tier 1 risk-based capital ratio32.7488%385
Total risk-based capital ratio33.8361%380
Memoranda:
Average total assets$190,789,5003,022
Average earning assets$183,105,5002,964
Average equity$31,056,0002,300
Average total loans$78,718,0003,764
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8186%3,988
Cost of funding earning assets0.5445%1,989
Net interest margin3.2741%4,237
Noninterest income to average assets0.2943%4,350
Noninterest expense to average assets1.7537%5,279
Loan and lease loss provision to assets0.0681%2,840
Net operating income to assets1.6099%638
Return on assets (ROA)1.6109%654
Pretax return on assets1.6251%1,226
Return on Equity (ROE)10.1856%1,812
Retained earnings to average equity (ytd only)6.0073%1,537
Net charge-offs to loans0.3628%698
Credit loss provision to net charge-offs47.1831%3,364
Earnings coverage of net charge-offs (x)11.7218%2,538
Efficiency ratio50.8925%5,175
Assets per employee ($millions)6.1626%1,408
Cash dividends to net income (ytd only)*41.0224%2,813
Condition Ratios (%)
Loss allowance to loans1.2812%2,313
Loan loss allowance to noncurrent loans102.3692%3,477
Noncurrent assets plus other real estate owned to assets0.6166%2,479
Noncurrent loans to loans1.2515%1,407
Net loans and leases to total assets41.8259%5,070
Net loans and leases to deposits51.0063%5,026
Net loans and leases to core deposits51.4752%5,085
Total domestic deposits to total assets82.0013%3,872
Equity capital to assets16.4566%462
Core capital (leverage) ratio16.2088%448
Tier 1 risk-based capital ratio31.0150%416
Total risk-based capital ratio32.0375%428
Memoranda:
Average total assets$196,726,0002,953
Average earning assets$189,363,4002,872
Average equity$31,112,4002,286
Average total loans$78,271,6003,785
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7807%4,066
Cost of funding earning assets0.5493%1,898
Net interest margin3.2314%4,382
Noninterest income to average assets0.2994%4,387
Noninterest expense to average assets1.7259%5,346
Loan and lease loss provision to assets0.0686%2,701
Net operating income to assets1.6028%714
Return on assets (ROA)1.6042%727
Pretax return on assets1.6176%1,359
Return on Equity (ROE)10.2434%2,019
Retained earnings to average equity (ytd only)7.8630%1,278
Net charge-offs to loans0.3402%617
Credit loss provision to net charge-offs51.5152%2,897
Earnings coverage of net charge-offs (x)12.6466%2,411
Efficiency ratio50.6017%5,208
Assets per employee ($millions)6.2785%1,319
Cash dividends to net income (ytd only)*23.2383%3,018
Condition Ratios (%)
Loss allowance to loans1.3807%1,974
Loan loss allowance to noncurrent loans92.5360%3,659
Noncurrent assets plus other real estate owned to assets0.6551%2,539
Noncurrent loans to loans1.4921%1,252
Net loans and leases to total assets40.0375%5,197
Net loans and leases to deposits49.1641%5,151
Net loans and leases to core deposits49.7240%5,206
Total domestic deposits to total assets81.4365%3,933
Equity capital to assets16.6183%472
Core capital (leverage) ratio16.1606%472
Tier 1 risk-based capital ratio31.1709%439
Total risk-based capital ratio32.2534%441
Memoranda:
Average total assets$198,147,0002,967
Average earning assets$190,787,5002,882
Average equity$31,030,7502,301
Average total loans$77,604,0003,832
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7456%4,091
Cost of funding earning assets0.5516%1,768
Net interest margin3.1940%4,438
Noninterest income to average assets0.2950%4,429
Noninterest expense to average assets1.7159%5,400
Loan and lease loss provision to assets0.0522%2,940
Net operating income to assets1.5955%715
Return on assets (ROA)1.5964%734
Pretax return on assets1.6075%1,322
Return on Equity (ROE)10.4012%1,881
Retained earnings to average equity (ytd only)7.9954%1,168
Net charge-offs to loans0.3241%627
Credit loss provision to net charge-offs41.6000%2,635
Earnings coverage of net charge-offs (x)13.2240%2,144
Efficiency ratio50.8475%5,252
Assets per employee ($millions)6.3206%1,246
Cash dividends to net income (ytd only)*23.1301%3,005
Condition Ratios (%)
Loss allowance to loans1.4251%1,842
Loan loss allowance to noncurrent loans88.5533%3,774
Noncurrent assets plus other real estate owned to assets0.6910%2,484
Noncurrent loans to loans1.6093%1,148
Net loans and leases to total assets39.3262%5,246
Net loans and leases to deposits48.1158%5,213
Net loans and leases to core deposits48.7394%5,258
Total domestic deposits to total assets81.7325%3,965
Equity capital to assets16.3618%489
Core capital (leverage) ratio15.5307%540
Tier 1 risk-based capital ratio30.8132%437
Total risk-based capital ratio31.9276%442
Memoranda:
Average total assets$199,317,6702,975
Average earning assets$192,173,3302,882
Average equity$30,592,6702,331
Average total loans$77,132,6703,861
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7038%4,111
Cost of funding earning assets0.5554%1,682
Net interest margin3.1484%4,510
Noninterest income to average assets0.3164%4,290
Noninterest expense to average assets1.7751%5,410
Loan and lease loss provision to assets0.0537%2,728
Net operating income to assets1.5064%797
Return on assets (ROA)1.5064%826
Pretax return on assets1.5223%1,465
Return on Equity (ROE)10.1408%1,908
Retained earnings to average equity (ytd only)7.4348%1,679
Net charge-offs to loans0.1514%1,052
Credit loss provision to net charge-offs93.1034%1,671
Earnings coverage of net charge-offs (x)27.3103%1,278
Efficiency ratio52.9691%5,207
Assets per employee ($millions)6.3272%1,275
Cash dividends to net income (ytd only)*26.6843%2,381
Condition Ratios (%)
Loss allowance to loans1.5688%1,457
Loan loss allowance to noncurrent loans138.7588%2,969
Noncurrent assets plus other real estate owned to assets0.4218%3,495
Noncurrent loans to loans1.1306%1,803
Net loans and leases to total assets36.7210%5,378
Net loans and leases to deposits43.7875%5,367
Net loans and leases to core deposits44.3210%5,405
Total domestic deposits to total assets83.8618%3,530
Equity capital to assets14.9583%665
Core capital (leverage) ratio14.8480%636
Tier 1 risk-based capital ratio30.4795%463
Total risk-based capital ratio31.6773%461
Memoranda:
Average total assets$201,007,5002,988
Average earning assets$193,749,0002,887
Average equity$29,859,5002,392
Average total loans$76,614,5003,894
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8016%3,909
Cost of funding earning assets0.5856%1,452
Net interest margin3.2160%4,398
Noninterest income to average assets0.3099%4,519
Noninterest expense to average assets1.6927%5,573
Loan and lease loss provision to assets0.1332%1,871
Net operating income to assets1.5646%736
Return on assets (ROA)1.6278%663
Pretax return on assets1.6418%1,162
Return on Equity (ROE)10.5305%1,757
Retained earnings to average equity (ytd only)5.4783%2,027
Net charge-offs to loans0.1729%1,581
Credit loss provision to net charge-offs193.4783%1,465
Earnings coverage of net charge-offs (x)24.8478%1,615
Efficiency ratio49.7288%5,500
Assets per employee ($millions)6.2358%1,308
Cash dividends to net income (ytd only)*47.9767%2,410
Condition Ratios (%)
Loss allowance to loans1.5278%1,570
Loan loss allowance to noncurrent loans128.0475%3,129
Noncurrent assets plus other real estate owned to assets0.4646%3,397
Noncurrent loans to loans1.1931%1,720
Net loans and leases to total assets38.3412%5,390
Net loans and leases to deposits45.7978%5,374
Net loans and leases to core deposits46.3634%5,416
Total domestic deposits to total assets83.7185%3,532
Equity capital to assets14.7501%681
Core capital (leverage) ratio14.8120%630
Tier 1 risk-based capital ratio29.4057%500
Total risk-based capital ratio30.5860%494
Memoranda:
Average total assets$200,393,6002,949
Average earning assets$192,786,6002,868
Average equity$30,976,6002,300
Average total loans$79,801,2003,799
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8287%3,839
Cost of funding earning assets0.5878%1,430
Net interest margin3.2409%4,373
Noninterest income to average assets0.3137%4,526
Noninterest expense to average assets1.6171%5,677
Loan and lease loss provision to assets0.1715%1,323
Net operating income to assets1.6239%695
Return on assets (ROA)1.7081%618
Pretax return on assets1.7287%1,041
Return on Equity (ROE)10.9257%1,696
Retained earnings to average equity (ytd only)7.9923%1,177
Net charge-offs to loans0.2075%1,129
Credit loss provision to net charge-offs206.4000%1,410
Earnings coverage of net charge-offs (x)21.8483%1,796
Efficiency ratio47.1146%5,623
Assets per employee ($millions)6.4489%1,140
Cash dividends to net income (ytd only)*26.8483%2,950
Condition Ratios (%)
Loss allowance to loans1.5385%1,637
Loan loss allowance to noncurrent loans92.9017%3,763
Noncurrent assets plus other real estate owned to assets0.6413%2,979
Noncurrent loans to loans1.6560%1,286
Net loans and leases to total assets38.1275%5,461
Net loans and leases to deposits46.1412%5,452
Net loans and leases to core deposits46.6327%5,492
Total domestic deposits to total assets82.6322%3,733
Equity capital to assets16.2618%516
Core capital (leverage) ratio15.1557%603
Tier 1 risk-based capital ratio29.9176%483
Total risk-based capital ratio31.1153%479
Memoranda:
Average total assets$200,605,7502,959
Average earning assets$193,028,5002,881
Average equity$31,362,5002,278
Average total loans$80,327,7503,814
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8585%3,746
Cost of funding earning assets0.5933%1,372
Net interest margin3.2652%4,333
Noninterest income to average assets0.3177%4,507
Noninterest expense to average assets1.6123%5,755
Loan and lease loss provision to assets0.2390%826
Net operating income to assets1.5928%737
Return on assets (ROA)1.6352%707
Pretax return on assets1.6551%1,209
Return on Equity (ROE)10.6004%1,804
Retained earnings to average equity (ytd only)7.6178%1,333
Net charge-offs to loans0.2903%821
Credit loss provision to net charge-offs203.3898%1,286
Earnings coverage of net charge-offs (x)15.7542%1,970
Efficiency ratio46.5497%5,732
Assets per employee ($millions)6.2059%1,259
Cash dividends to net income (ytd only)*28.1364%2,911
Condition Ratios (%)
Loss allowance to loans1.5015%1,854
Loan loss allowance to noncurrent loans121.6495%3,303
Noncurrent assets plus other real estate owned to assets0.4884%3,579
Noncurrent loans to loans1.2343%1,863
Net loans and leases to total assets38.9795%5,470
Net loans and leases to deposits47.1334%5,454
Net loans and leases to core deposits47.5637%5,515
Total domestic deposits to total assets82.7005%3,759
Equity capital to assets16.1872%515
Core capital (leverage) ratio14.6047%697
Tier 1 risk-based capital ratio29.0657%540
Total risk-based capital ratio30.2465%532
Memoranda:
Average total assets$200,835,6702,971
Average earning assets$193,494,3302,890
Average equity$30,980,0002,306
Average total loans$81,299,0003,817
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9119%3,548
Cost of funding earning assets0.6015%1,324
Net interest margin3.3104%4,186
Noninterest income to average assets0.3288%4,378
Noninterest expense to average assets1.6637%5,777
Loan and lease loss provision to assets0.0990%2,042
Net operating income to assets1.7254%540
Return on assets (ROA)1.7528%547
Pretax return on assets1.7766%883
Return on Equity (ROE)11.6459%1,413
Retained earnings to average equity (ytd only)8.0929%1,415
Net charge-offs to loans-0.0339%5,118
Credit loss provision to net charge-offs-714.2857%4,660
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.3773%5,754
Assets per employee ($millions)6.2895%1,229
Cash dividends to net income (ytd only)*30.5085%2,356
Condition Ratios (%)
Loss allowance to loans1.3793%2,518
Loan loss allowance to noncurrent loans179.5491%2,424
Noncurrent assets plus other real estate owned to assets0.3086%4,337
Noncurrent loans to loans0.7682%2,918
Net loans and leases to total assets39.6114%5,470
Net loans and leases to deposits47.8022%5,425
Net loans and leases to core deposits48.3047%5,498
Total domestic deposits to total assets82.8652%3,944
Equity capital to assets15.4161%618
Core capital (leverage) ratio14.2465%746
Tier 1 risk-based capital ratio27.9292%612
Total risk-based capital ratio29.0227%611
Memoranda:
Average total assets$201,959,0002,967
Average earning assets$194,177,0002,886
Average equity$30,397,0002,346
Average total loans$82,654,0003,790
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0029%3,297
Cost of funding earning assets0.6237%1,211
Net interest margin3.3792%3,991
Noninterest income to average assets0.3663%4,288
Noninterest expense to average assets1.6229%5,902
Loan and lease loss provision to assets0.0610%3,083
Net operating income to assets1.8937%411
Return on assets (ROA)1.9505%387
Pretax return on assets1.9956%541
Return on Equity (ROE)13.4157%967
Retained earnings to average equity (ytd only)6.5902%1,497
Net charge-offs to loans0.1341%2,022
Credit loss provision to net charge-offs108.8496%2,318
Earnings coverage of net charge-offs (x)35.6814%1,285
Efficiency ratio44.8125%5,960
Assets per employee ($millions)6.3330%1,178
Cash dividends to net income (ytd only)*50.8767%2,260
Condition Ratios (%)
Loss allowance to loans1.2525%3,156
Loan loss allowance to noncurrent loans172.3127%2,531
Noncurrent assets plus other real estate owned to assets0.3410%4,225
Noncurrent loans to loans0.7269%3,002
Net loans and leases to total assets41.1596%5,457
Net loans and leases to deposits49.4801%5,417
Net loans and leases to core deposits50.0687%5,494
Total domestic deposits to total assets83.1842%3,781
Equity capital to assets14.6885%734
Core capital (leverage) ratio13.9721%829
Tier 1 risk-based capital ratio26.3639%718
Total risk-based capital ratio27.3650%712
Memoranda:
Average total assets$201,742,4002,931
Average earning assets$194,336,0002,837
Average equity$29,331,4002,367
Average total loans$84,265,8003,716
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0127%3,290
Cost of funding earning assets0.6235%1,253
Net interest margin3.3892%4,003
Noninterest income to average assets0.3811%4,208
Noninterest expense to average assets1.5138%6,037
Loan and lease loss provision to assets0.0814%2,545
Net operating income to assets2.0011%364
Return on assets (ROA)2.0551%347
Pretax return on assets2.1106%490
Return on Equity (ROE)14.1714%868
Retained earnings to average equity (ytd only)10.1746%605
Net charge-offs to loans0.0966%2,188
Credit loss provision to net charge-offs201.6393%1,323
Earnings coverage of net charge-offs (x)52.9353%1,006
Efficiency ratio41.4718%6,100
Assets per employee ($millions)6.2171%1,225
Cash dividends to net income (ytd only)*28.2035%2,895
Condition Ratios (%)
Loss allowance to loans1.3428%2,894
Loan loss allowance to noncurrent loans283.1633%1,691
Noncurrent assets plus other real estate owned to assets0.2156%4,899
Noncurrent loans to loans0.4742%3,940
Net loans and leases to total assets40.9933%5,541
Net loans and leases to deposits49.2765%5,500
Net loans and leases to core deposits49.7952%5,582
Total domestic deposits to total assets83.1905%3,734
Equity capital to assets15.2030%697
Core capital (leverage) ratio14.2259%803
Tier 1 risk-based capital ratio27.1433%676
Total risk-based capital ratio28.2135%668
Memoranda:
Average total assets$201,514,2502,952
Average earning assets$194,377,7502,860
Average equity$29,222,5002,390
Average total loans$84,214,7503,751
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9972%3,302
Cost of funding earning assets0.6228%1,273
Net interest margin3.3744%3,990
Noninterest income to average assets0.4032%4,064
Noninterest expense to average assets1.5052%6,107
Loan and lease loss provision to assets0.1216%1,820
Net operating income to assets1.9631%390
Return on assets (ROA)2.0062%376
Pretax return on assets2.0764%510
Return on Equity (ROE)14.0575%890
Retained earnings to average equity (ytd only)10.3181%616
Net charge-offs to loans0.0189%3,317
Credit loss provision to net charge-offs1,537.5000%229
Earnings coverage of net charge-offs (x)272.3750%254
Efficiency ratio41.1399%6,181
Assets per employee ($millions)6.2184%1,206
Cash dividends to net income (ytd only)*26.6010%2,938
Condition Ratios (%)
Loss allowance to loans1.3782%2,857
Loan loss allowance to noncurrent loans275.5924%1,727
Noncurrent assets plus other real estate owned to assets0.2156%5,005
Noncurrent loans to loans0.5001%3,964
Net loans and leases to total assets41.8237%5,514
Net loans and leases to deposits49.9199%5,508
Net loans and leases to core deposits50.5319%5,593
Total domestic deposits to total assets83.7816%3,657
Equity capital to assets14.6394%788
Core capital (leverage) ratio13.7475%918
Tier 1 risk-based capital ratio25.7979%795
Total risk-based capital ratio26.8925%792
Memoranda:
Average total assets$202,370,0002,971
Average earning assets$195,235,3302,873
Average equity$28,881,3302,430
Average total loans$84,731,3303,760
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9708%3,335
Cost of funding earning assets0.6279%1,243
Net interest margin3.3428%4,050
Noninterest income to average assets0.5018%3,272
Noninterest expense to average assets1.5799%6,128
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets2.0092%333
Return on assets (ROA)2.0092%351
Pretax return on assets2.1464%437
Return on Equity (ROE)14.2576%831
Retained earnings to average equity (ytd only)9.3335%1,091
Net charge-offs to loans-0.0094%4,694
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.3987%6,225
Assets per employee ($millions)6.1869%1,262
Cash dividends to net income (ytd only)*34.5366%2,209
Condition Ratios (%)
Loss allowance to loans1.2480%3,703
Loan loss allowance to noncurrent loans174.1294%2,481
Noncurrent assets plus other real estate owned to assets0.2988%4,775
Noncurrent loans to loans0.7167%3,477
Net loans and leases to total assets40.6944%5,564
Net loans and leases to deposits48.8201%5,525
Net loans and leases to core deposits49.2294%5,626
Total domestic deposits to total assets83.3559%4,064
Equity capital to assets14.3901%864
Core capital (leverage) ratio13.0697%1,132
Tier 1 risk-based capital ratio25.1162%878
Total risk-based capital ratio25.1162%995
Memoranda:
Average total assets$204,060,0002,966
Average earning assets$196,839,0002,875
Average equity$28,756,5002,447
Average total loans$84,903,0003,776
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0202%3,647
Cost of funding earning assets0.6405%1,467
Net interest margin3.3797%4,280
Noninterest income to average assets0.3461%4,630
Noninterest expense to average assets1.5937%6,244
Loan and lease loss provision to assets0.0647%3,212
Net operating income to assets1.9265%377
Return on assets (ROA)2.0594%302
Pretax return on assets2.0889%421
Return on Equity (ROE)15.5762%687
Retained earnings to average equity (ytd only)7.7640%1,105
Net charge-offs to loans0.0525%3,781
Credit loss provision to net charge-offs306.9767%850
Earnings coverage of net charge-offs (x)95.7907%545
Efficiency ratio44.1113%6,317
Assets per employee ($millions)6.1804%1,259
Cash dividends to net income (ytd only)*50.1547%2,271
Condition Ratios (%)
Loss allowance to loans1.2233%3,864
Loan loss allowance to noncurrent loans262.6566%1,819
Noncurrent assets plus other real estate owned to assets0.1991%5,227
Noncurrent loans to loans0.4657%4,258
Net loans and leases to total assets41.4916%5,657
Net loans and leases to deposits49.6777%5,597
Net loans and leases to core deposits50.2193%5,702
Total domestic deposits to total assets83.5216%3,910
Equity capital to assets14.4049%839
Core capital (leverage) ratio13.3869%1,005
Tier 1 risk-based capital ratio18.3871%2,021
Total risk-based capital ratio19.0964%2,153
Memoranda:
Average total assets$203,987,0002,946
Average earning assets$197,179,6002,834
Average equity$26,970,6002,492
Average total loans$81,942,6003,819
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0025%3,749
Cost of funding earning assets0.6425%1,510
Net interest margin3.3600%4,391
Noninterest income to average assets0.3333%4,772
Noninterest expense to average assets1.5078%6,352
Loan and lease loss provision to assets0.0438%3,522
Net operating income to assets2.0024%345
Return on assets (ROA)2.1144%285
Pretax return on assets2.1418%415
Return on Equity (ROE)16.3575%634
Retained earnings to average equity (ytd only)5.7036%2,602
Net charge-offs to loans-0.0049%5,295
Credit loss provision to net charge-offs-2,233.3333%5,974
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.1139%6,413
Assets per employee ($millions)6.1881%1,212
Cash dividends to net income (ytd only)*65.1312%1,189
Condition Ratios (%)
Loss allowance to loans1.2493%3,957
Loan loss allowance to noncurrent loans123.5294%3,158
Noncurrent assets plus other real estate owned to assets0.4079%4,698
Noncurrent loans to loans1.0114%3,047
Net loans and leases to total assets39.8295%5,825
Net loans and leases to deposits48.6820%5,726
Net loans and leases to core deposits49.2220%5,827
Total domestic deposits to total assets81.8156%4,544
Equity capital to assets13.6807%1,116
Core capital (leverage) ratio13.0019%1,175
Tier 1 risk-based capital ratio17.8466%2,258
Total risk-based capital ratio18.5475%2,435
Memoranda:
Average total assets$203,995,7502,967
Average earning assets$197,137,5002,862
Average equity$26,368,5002,543
Average total loans$81,010,5003,878
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9772%3,830
Cost of funding earning assets0.6470%1,531
Net interest margin3.3303%4,471
Noninterest income to average assets0.3433%4,673
Noninterest expense to average assets1.4878%6,430
Loan and lease loss provision to assets0.0157%3,947
Net operating income to assets2.0279%318
Return on assets (ROA)2.1959%237
Pretax return on assets2.2253%346
Return on Equity (ROE)17.3259%518
Retained earnings to average equity (ytd only)3.7530%3,800
Net charge-offs to loans-0.0025%5,075
Credit loss provision to net charge-offs-1,600.0000%5,792
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.8021%6,487
Assets per employee ($millions)6.3388%1,094
Cash dividends to net income (ytd only)*78.3385%949
Condition Ratios (%)
Loss allowance to loans1.2115%4,368
Loan loss allowance to noncurrent loans158.1848%2,605
Noncurrent assets plus other real estate owned to assets0.3042%5,151
Noncurrent loans to loans0.7659%3,793
Net loans and leases to total assets39.2342%5,879
Net loans and leases to deposits46.4014%5,861
Net loans and leases to core deposits46.8323%5,958
Total domestic deposits to total assets84.5539%3,700
Equity capital to assets13.3854%1,198
Core capital (leverage) ratio12.4780%1,408
Tier 1 risk-based capital ratio17.7585%2,325
Total risk-based capital ratio18.4367%2,503
Memoranda:
Average total assets$203,925,0002,984
Average earning assets$196,920,3302,873
Average equity$25,845,6702,581
Average total loans$80,559,3303,893
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9433%3,915
Cost of funding earning assets0.6457%1,613
Net interest margin3.2976%4,546
Noninterest income to average assets0.3619%4,495
Noninterest expense to average assets1.5200%6,483
Loan and lease loss provision to assets0.0313%3,412
Net operating income to assets1.9629%362
Return on assets (ROA)2.2321%237
Pretax return on assets2.2595%325
Return on Equity (ROE)18.1161%435
Retained earnings to average equity (ytd only)-0.8415%5,699
Net charge-offs to loans0.0050%3,562
Credit loss provision to net charge-offs1,600.0000%206
Earnings coverage of net charge-offs (x)1,032.0000%24
Efficiency ratio42.9519%6,524
Assets per employee ($millions)6.3435%1,088
Cash dividends to net income (ytd only)*104.6450%626
Condition Ratios (%)
Loss allowance to loans1.2655%4,305
Loan loss allowance to noncurrent loans192.8713%2,160
Noncurrent assets plus other real estate owned to assets0.2412%5,471
Noncurrent loans to loans0.6561%4,222
Net loans and leases to total assets36.3024%6,054
Net loans and leases to deposits42.5720%6,044
Net loans and leases to core deposits43.0827%6,115
Total domestic deposits to total assets85.2730%3,730
Equity capital to assets12.2401%1,722
Core capital (leverage) ratio12.3129%1,470
Tier 1 risk-based capital ratio17.3698%2,528
Total risk-based capital ratio18.0461%2,740
Memoranda:
Average total assets$204,467,0003,005
Average earning assets$196,990,5002,881
Average equity$25,193,0002,627
Average total loans$80,559,5003,915
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1213%3,658
Cost of funding earning assets0.7074%1,764
Net interest margin3.4139%4,225
Noninterest income to average assets0.3410%4,875
Noninterest expense to average assets1.5662%6,531
Loan and lease loss provision to assets0.0523%4,091
Net operating income to assets1.9354%376
Return on assets (ROA)1.9790%353
Pretax return on assets2.0318%448
Return on Equity (ROE)15.7159%656
Retained earnings to average equity (ytd only)12.4461%277
Net charge-offs to loans0.0929%3,918
Credit loss provision to net charge-offs140.0000%1,664
Earnings coverage of net charge-offs (x)54.5467%744
Efficiency ratio43.4398%6,625
Assets per employee ($millions)6.0484%1,246
Cash dividends to net income (ytd only)*20.8060%3,687
Condition Ratios (%)
Loss allowance to loans1.1396%4,953
Loan loss allowance to noncurrent loans189.5257%2,193
Noncurrent assets plus other real estate owned to assets0.2535%5,501
Noncurrent loans to loans0.6013%4,480
Net loans and leases to total assets41.6798%5,845
Net loans and leases to deposits49.0369%5,828
Net loans and leases to core deposits49.6544%5,959
Total domestic deposits to total assets84.9968%3,755
Equity capital to assets12.4064%1,564
Core capital (leverage) ratio12.3550%1,423
Tier 1 risk-based capital ratio16.8640%2,673
Total risk-based capital ratio17.5090%2,935
Memoranda:
Average total assets$200,611,4003,029
Average earning assets$191,831,0002,934
Average equity$25,261,0002,607
Average total loans$80,734,6003,913
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1210%3,675
Cost of funding earning assets0.7234%1,784
Net interest margin3.3976%4,298
Noninterest income to average assets0.3392%4,978
Noninterest expense to average assets1.4457%6,667
Loan and lease loss provision to assets0.0531%3,970
Net operating income to assets2.0262%348
Return on assets (ROA)2.0590%333
Pretax return on assets2.1228%457
Return on Equity (ROE)16.2924%611
Retained earnings to average equity (ytd only)11.9540%429
Net charge-offs to loans0.1252%3,280
Credit loss provision to net charge-offs106.6667%2,200
Earnings coverage of net charge-offs (x)43.0256%957
Efficiency ratio40.2960%6,747
Assets per employee ($millions)5.9843%1,252
Cash dividends to net income (ytd only)*26.6281%2,822
Condition Ratios (%)
Loss allowance to loans1.1329%5,191
Loan loss allowance to noncurrent loans268.3908%1,515
Noncurrent assets plus other real estate owned to assets0.2299%5,753
Noncurrent loans to loans0.4221%5,141
Net loans and leases to total assets41.2739%5,951
Net loans and leases to deposits49.0903%5,898
Net loans and leases to core deposits49.6352%6,035
Total domestic deposits to total assets84.0776%4,156
Equity capital to assets12.2962%1,717
Core capital (leverage) ratio12.3000%1,519
Tier 1 risk-based capital ratio16.4460%2,964
Total risk-based capital ratio17.0806%3,235
Memoranda:
Average total assets$200,864,7503,048
Average earning assets$192,051,0002,949
Average equity$25,385,5002,624
Average total loans$79,880,5003,975
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1327%3,616
Cost of funding earning assets0.7352%1,805
Net interest margin3.3975%4,195
Noninterest income to average assets0.3347%5,010
Noninterest expense to average assets1.4278%6,722
Loan and lease loss provision to assets0.0792%3,476
Net operating income to assets1.9997%360
Return on assets (ROA)2.0377%356
Pretax return on assets2.1159%486
Return on Equity (ROE)15.9826%673
Retained earnings to average equity (ytd only)11.9054%513
Net charge-offs to loans0.1898%2,617
Credit loss provision to net charge-offs106.6667%2,079
Earnings coverage of net charge-offs (x)29.0267%1,174
Efficiency ratio39.8453%6,804
Assets per employee ($millions)6.0180%1,188
Cash dividends to net income (ytd only)*25.5102%2,799
Condition Ratios (%)
Loss allowance to loans1.1830%5,079
Loan loss allowance to noncurrent loans148.7261%2,530
Noncurrent assets plus other real estate owned to assets0.3696%5,373
Noncurrent loans to loans0.7954%4,323
Net loans and leases to total assets39.2842%6,092
Net loans and leases to deposits45.8416%6,115
Net loans and leases to core deposits46.2446%6,226
Total domestic deposits to total assets85.6954%3,533
Equity capital to assets12.7214%1,460
Core capital (leverage) ratio11.7933%1,728
Tier 1 risk-based capital ratio16.2479%3,072
Total risk-based capital ratio16.8947%3,346
Memoranda:
Average total assets$201,992,0003,049
Average earning assets$193,143,0002,956
Average equity$25,753,0002,604
Average total loans$79,026,3304,011
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2847%2,951
Cost of funding earning assets0.7843%1,619
Net interest margin3.5004%3,694
Noninterest income to average assets0.3378%4,995
Noninterest expense to average assets1.3943%6,825
Loan and lease loss provision to assets0.0982%3,047
Net operating income to assets2.0697%307
Return on assets (ROA)2.0993%320
Pretax return on assets2.2249%395
Return on Equity (ROE)16.4477%561
Retained earnings to average equity (ytd only)16.4477%251
Net charge-offs to loans0.2833%1,831
Credit loss provision to net charge-offs89.2857%2,038
Earnings coverage of net charge-offs (x)20.8393%1,174
Efficiency ratio37.8263%6,907
Assets per employee ($millions)6.2531%1,105
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.1991%5,179
Loan loss allowance to noncurrent loans125.0678%2,783
Noncurrent assets plus other real estate owned to assets0.4458%5,266
Noncurrent loans to loans0.9588%4,218
Net loans and leases to total assets36.8547%6,238
Net loans and leases to deposits43.2002%6,260
Net loans and leases to core deposits43.5694%6,334
Total domestic deposits to total assets85.3114%3,891
Equity capital to assets13.1606%1,353
Core capital (leverage) ratio11.3178%2,007
Tier 1 risk-based capital ratio16.0228%3,255
Total risk-based capital ratio16.6659%3,539
Memoranda:
Average total assets$203,691,0003,058
Average earning assets$194,834,0002,959
Average equity$25,997,5002,617
Average total loans$79,064,5004,032
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0703%5,055
Cost of funding earning assets0.9458%1,666
Net interest margin3.1245%5,753
Noninterest income to average assets0.3612%4,898
Noninterest expense to average assets1.5381%6,847
Loan and lease loss provision to assets0.0577%5,055
Net operating income to assets1.2817%1,362
Return on assets (ROA)1.3655%1,287
Pretax return on assets1.9013%755
Return on Equity (ROE)11.1099%1,771
Retained earnings to average equity (ytd only)6.2121%1,965
Net charge-offs to loans-0.0604%6,736
Credit loss provision to net charge-offs-244.6809%6,423
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.4964%6,799
Assets per employee ($millions)6.0918%1,223
Cash dividends to net income (ytd only)*44.0852%2,639
Condition Ratios (%)
Loss allowance to loans1.1447%5,365
Loan loss allowance to noncurrent loans33.2498%5,925
Noncurrent assets plus other real estate owned to assets1.4426%3,221
Noncurrent loans to loans3.4428%1,456
Net loans and leases to total assets39.9078%6,172
Net loans and leases to deposits47.6046%6,132
Net loans and leases to core deposits48.1448%6,258
Total domestic deposits to total assets83.8318%4,391
Equity capital to assets12.3553%1,819
Core capital (leverage) ratio11.1323%2,140
Tier 1 risk-based capital ratio15.1191%3,662
Total risk-based capital ratio15.7596%3,980
Memoranda:
Average total assets$199,336,6003,053
Average earning assets$192,639,8002,924
Average equity$24,500,6002,709
Average total loans$77,802,6004,098
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0820%5,256
Cost of funding earning assets0.9679%1,746
Net interest margin3.1141%5,907
Noninterest income to average assets0.3727%4,847
Noninterest expense to average assets1.4069%6,990
Loan and lease loss provision to assets0.0469%5,186
Net operating income to assets1.3472%1,336
Return on assets (ROA)1.4565%1,231
Pretax return on assets2.0920%584
Return on Equity (ROE)11.8661%1,678
Retained earnings to average equity (ytd only)11.8661%552
Net charge-offs to loans-0.0745%6,795
Credit loss provision to net charge-offs-162.7907%6,297
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.5068%6,982
Assets per employee ($millions)6.1563%1,155
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1349%5,577
Loan loss allowance to noncurrent loans35.3272%5,879
Noncurrent assets plus other real estate owned to assets1.2680%3,760
Noncurrent loans to loans3.2124%1,716
Net loans and leases to total assets37.7358%6,430
Net loans and leases to deposits45.1849%6,444
Net loans and leases to core deposits45.6928%6,527
Total domestic deposits to total assets83.5142%4,428
Equity capital to assets12.6764%1,781
Core capital (leverage) ratio11.4984%1,986
Tier 1 risk-based capital ratio15.7849%3,383
Total risk-based capital ratio16.4001%3,691
Memoranda:
Average total assets$198,913,0003,095
Average earning assets$192,711,2502,956
Average equity$24,416,2502,740
Average total loans$76,964,2504,162
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0999%5,314
Cost of funding earning assets0.9937%1,798
Net interest margin3.1061%5,985
Noninterest income to average assets0.4010%4,642
Noninterest expense to average assets1.4218%7,046
Loan and lease loss provision to assets0.0608%4,891
Net operating income to assets1.3486%1,314
Return on assets (ROA)1.4684%1,179
Pretax return on assets2.1094%573
Return on Equity (ROE)12.0981%1,638
Retained earnings to average equity (ytd only)12.0981%564
Net charge-offs to loans-0.0755%6,788
Credit loss provision to net charge-offs-206.8966%6,149
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.5631%7,032
Assets per employee ($millions)6.0799%1,185
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1154%5,722
Loan loss allowance to noncurrent loans34.3499%5,957
Noncurrent assets plus other real estate owned to assets1.2849%3,856
Noncurrent loans to loans3.2473%1,793
Net loans and leases to total assets37.8218%6,492
Net loans and leases to deposits45.9764%6,440
Net loans and leases to core deposits46.4353%6,554
Total domestic deposits to total assets82.2636%5,030
Equity capital to assets12.4274%1,863
Core capital (leverage) ratio11.1361%2,174
Tier 1 risk-based capital ratio15.4734%3,460
Total risk-based capital ratio16.0794%3,834
Memoranda:
Average total assets$197,498,3303,114
Average earning assets$192,006,3302,972
Average equity$23,970,6702,771
Average total loans$76,771,3304,195
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0957%5,472
Cost of funding earning assets1.0464%1,701
Net interest margin3.0492%6,183
Noninterest income to average assets0.4838%4,034
Noninterest expense to average assets1.3821%7,122
Loan and lease loss provision to assets0.1021%4,060
Net operating income to assets1.4344%1,161
Return on assets (ROA)1.5924%978
Pretax return on assets2.1906%546
Return on Equity (ROE)13.2828%1,328
Retained earnings to average equity (ytd only)13.2828%643
Net charge-offs to loans-0.0625%6,620
Credit loss provision to net charge-offs-416.6667%5,746
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.9646%7,109
Assets per employee ($millions)6.1110%1,210
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1062%5,885
Loan loss allowance to noncurrent loans33.7266%5,982
Noncurrent assets plus other real estate owned to assets1.3046%3,949
Noncurrent loans to loans3.2799%1,950
Net loans and leases to total assets36.7502%6,577
Net loans and leases to deposits43.2675%6,596
Net loans and leases to core deposits43.5807%6,672
Total domestic deposits to total assets84.9373%4,075
Equity capital to assets11.8003%2,184
Core capital (leverage) ratio10.8499%2,390
Tier 1 risk-based capital ratio15.6343%3,373
Total risk-based capital ratio16.2460%3,722
Memoranda:
Average total assets$195,928,5003,156
Average earning assets$191,129,0003,007
Average equity$23,489,0002,805
Average total loans$76,786,5004,222
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5382%4,925
Cost of funding earning assets1.1928%2,078
Net interest margin3.3454%5,664
Noninterest income to average assets0.2962%5,408
Noninterest expense to average assets1.6855%7,065
Loan and lease loss provision to assets0.0717%5,720
Net operating income to assets1.3515%1,140
Return on assets (ROA)1.4334%1,047
Pretax return on assets1.9011%662
Return on Equity (ROE)11.7411%1,480
Retained earnings to average equity (ytd only)6.0264%2,001
Net charge-offs to loans0.1067%5,293
Credit loss provision to net charge-offs160.4938%1,720
Earnings coverage of net charge-offs (x)41.7160%648
Efficiency ratio47.4903%6,967
Assets per employee ($millions)5.7634%1,397
Cash dividends to net income (ytd only)*48.6726%2,125
Condition Ratios (%)
Loss allowance to loans0.9754%6,320
Loan loss allowance to noncurrent loans105.9392%2,899
Noncurrent assets plus other real estate owned to assets0.4574%5,823
Noncurrent loans to loans0.9207%4,851
Net loans and leases to total assets40.9400%6,470
Net loans and leases to deposits48.5310%6,459
Net loans and leases to core deposits48.9050%6,597
Total domestic deposits to total assets84.3585%4,160
Equity capital to assets12.1881%1,975
Core capital (leverage) ratio11.0457%2,238
Tier 1 risk-based capital ratio15.2229%3,498
Total risk-based capital ratio15.7951%3,911
Memoranda:
Average total assets$181,313,6003,313
Average earning assets$176,302,4003,140
Average equity$22,136,0002,880
Average total loans$75,920,6004,275
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5742%4,983
Cost of funding earning assets1.2133%2,240
Net interest margin3.3609%5,682
Noninterest income to average assets0.2956%5,494
Noninterest expense to average assets1.6483%7,143
Loan and lease loss provision to assets0.0298%6,065
Net operating income to assets1.4573%1,033
Return on assets (ROA)1.5708%890
Pretax return on assets2.0317%588
Return on Equity (ROE)12.8608%1,315
Retained earnings to average equity (ytd only)12.8608%394
Net charge-offs to loans0.1347%4,706
Credit loss provision to net charge-offs52.6316%4,979
Earnings coverage of net charge-offs (x)33.8292%862
Efficiency ratio46.2696%7,045
Assets per employee ($millions)5.6805%1,437
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9052%6,582
Loan loss allowance to noncurrent loans100.4418%2,941
Noncurrent assets plus other real estate owned to assets0.4412%5,988
Noncurrent loans to loans0.9012%5,063
Net loans and leases to total assets39.8287%6,645
Net loans and leases to deposits47.5424%6,648
Net loans and leases to core deposits47.7877%6,769
Total domestic deposits to total assets83.7750%4,333
Equity capital to assets12.7757%1,739
Core capital (leverage) ratio11.6187%1,945
Tier 1 risk-based capital ratio16.4085%2,906
Total risk-based capital ratio16.9368%3,247
Memoranda:
Average total assets$179,093,7503,363
Average earning assets$174,073,5003,181
Average equity$21,874,7502,898
Average total loans$75,242,7504,344
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6042%4,944
Cost of funding earning assets1.2346%2,355
Net interest margin3.3697%5,639
Noninterest income to average assets0.3074%5,437
Noninterest expense to average assets1.6936%7,182
Loan and lease loss provision to assets0.0454%5,741
Net operating income to assets1.4158%1,047
Return on assets (ROA)1.4883%971
Pretax return on assets1.9353%659
Return on Equity (ROE)12.3871%1,385
Retained earnings to average equity (ytd only)12.3871%472
Net charge-offs to loans-0.0851%7,126
Credit loss provision to net charge-offs-125.0000%6,327
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.3067%7,093
Assets per employee ($millions)5.6661%1,428
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0452%6,163
Loan loss allowance to noncurrent loans87.7778%3,242
Noncurrent assets plus other real estate owned to assets0.6287%5,662
Noncurrent loans to loans1.1907%4,665
Net loans and leases to total assets41.2512%6,648
Net loans and leases to deposits48.9714%6,669
Net loans and leases to core deposits49.2302%6,798
Total domestic deposits to total assets84.2353%4,240
Equity capital to assets12.3409%1,877
Core capital (leverage) ratio11.3625%2,001
Tier 1 risk-based capital ratio15.9937%2,979
Total risk-based capital ratio16.6136%3,272
Memoranda:
Average total assets$176,305,6703,431
Average earning assets$171,234,0003,257
Average equity$21,183,3302,971
Average total loans$75,209,0004,381
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6039%4,929
Cost of funding earning assets1.2625%2,413
Net interest margin3.3414%5,639
Noninterest income to average assets0.3176%5,383
Noninterest expense to average assets1.5995%7,304
Loan and lease loss provision to assets0.0921%4,864
Net operating income to assets1.4467%993
Return on assets (ROA)1.5006%917
Pretax return on assets1.9356%626
Return on Equity (ROE)12.6682%1,281
Retained earnings to average equity (ytd only)12.6682%642
Net charge-offs to loans-0.1280%7,153
Credit loss provision to net charge-offs-166.6667%5,792
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.9547%7,245
Assets per employee ($millions)5.1586%1,949
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0737%6,142
Loan loss allowance to noncurrent loans101.0336%2,828
Noncurrent assets plus other real estate owned to assets0.7793%5,352
Noncurrent loans to loans1.0628%4,930
Net loans and leases to total assets39.9037%6,781
Net loans and leases to deposits46.9108%6,801
Net loans and leases to core deposits47.0797%6,920
Total domestic deposits to total assets85.0630%4,002
Equity capital to assets11.6847%2,132
Core capital (leverage) ratio11.1126%2,107
Tier 1 risk-based capital ratio15.7923%3,005
Total risk-based capital ratio16.4185%3,292
Memoranda:
Average total assets$173,800,5003,490
Average earning assets$168,554,5003,321
Average equity$20,587,0003,039
Average total loans$75,021,0004,423
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9104%4,975
Cost of funding earning assets1.4251%3,105
Net interest margin3.4852%5,306
Noninterest income to average assets0.3327%5,409
Noninterest expense to average assets1.8023%7,262
Loan and lease loss provision to assets0.1882%5,349
Net operating income to assets1.3078%1,150
Return on assets (ROA)1.3209%1,192
Pretax return on assets1.7246%897
Return on Equity (ROE)10.7592%1,656
Retained earnings to average equity (ytd only)6.8036%1,408
Net charge-offs to loans0.3469%4,279
Credit loss provision to net charge-offs117.4242%3,640
Earnings coverage of net charge-offs (x)11.8295%1,569
Efficiency ratio48.7360%7,218
Assets per employee ($millions)4.7728%2,455
Cash dividends to net income (ytd only)*36.7647%2,740
Condition Ratios (%)
Loss allowance to loans0.9299%6,639
Loan loss allowance to noncurrent loans86.0911%3,319
Noncurrent assets plus other real estate owned to assets0.8782%5,258
Noncurrent loans to loans1.0801%4,932
Net loans and leases to total assets45.7920%6,573
Net loans and leases to deposits54.2272%6,592
Net loans and leases to core deposits54.4782%6,783
Total domestic deposits to total assets84.4447%4,151
Equity capital to assets12.0186%1,902
Core capital (leverage) ratio11.5212%1,820
Tier 1 risk-based capital ratio15.2779%3,113
Total risk-based capital ratio15.8534%3,438
Memoranda:
Average total assets$164,733,4003,619
Average earning assets$159,071,8003,467
Average equity$20,224,6003,120
Average total loans$76,094,4004,449
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9349%5,106
Cost of funding earning assets1.4606%3,218
Net interest margin3.4743%5,398
Noninterest income to average assets0.3549%5,325
Noninterest expense to average assets1.6943%7,440
Loan and lease loss provision to assets0.1909%5,135
Net operating income to assets1.5493%831
Return on assets (ROA)1.5562%893
Pretax return on assets1.8299%875
Return on Equity (ROE)12.6081%1,359
Retained earnings to average equity (ytd only)12.6081%387
Net charge-offs to loans0.3289%4,019
Credit loss provision to net charge-offs125.6684%3,257
Earnings coverage of net charge-offs (x)13.2512%1,601
Efficiency ratio45.7055%7,392
Assets per employee ($millions)4.9917%2,191
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.9468%6,586
Loan loss allowance to noncurrent loans62.3917%4,178
Noncurrent assets plus other real estate owned to assets0.7006%5,713
Noncurrent loans to loans1.5176%4,359
Net loans and leases to total assets45.7259%6,721
Net loans and leases to deposits55.1127%6,679
Net loans and leases to core deposits55.4891%6,889
Total domestic deposits to total assets82.9680%4,600
Equity capital to assets13.2342%1,481
Core capital (leverage) ratio12.1392%1,593
Tier 1 risk-based capital ratio16.0571%2,731
Total risk-based capital ratio16.6473%3,011
Memoranda:
Average total assets$164,154,5003,678
Average earning assets$158,378,0003,525
Average equity$20,261,5003,153
Average total loans$75,814,7504,529
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9348%5,251
Cost of funding earning assets1.5149%3,173
Net interest margin3.4199%5,560
Noninterest income to average assets0.3489%5,355
Noninterest expense to average assets1.7248%7,484
Loan and lease loss provision to assets0.1952%4,924
Net operating income to assets1.4496%990
Return on assets (ROA)1.4589%1,042
Pretax return on assets1.7333%993
Return on Equity (ROE)12.1122%1,422
Retained earnings to average equity (ytd only)12.1122%472
Net charge-offs to loans0.3538%3,580
Credit loss provision to net charge-offs119.4030%3,406
Earnings coverage of net charge-offs (x)11.7313%1,736
Efficiency ratio47.3543%7,378
Assets per employee ($millions)4.8120%2,429
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.9121%6,718
Loan loss allowance to noncurrent loans54.6594%4,661
Noncurrent assets plus other real estate owned to assets0.7805%5,562
Noncurrent loans to loans1.6686%4,191
Net loans and leases to total assets46.3495%6,758
Net loans and leases to deposits55.2628%6,780
Net loans and leases to core deposits55.7671%6,955
Total domestic deposits to total assets83.8711%4,162
Equity capital to assets12.5147%1,793
Core capital (leverage) ratio11.5712%1,868
Tier 1 risk-based capital ratio15.4658%2,909
Total risk-based capital ratio16.0381%3,238
Memoranda:
Average total assets$163,964,3303,707
Average earning assets$157,898,6703,557
Average equity$19,748,6703,204
Average total loans$75,739,0004,574
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9324%5,301
Cost of funding earning assets1.5639%3,179
Net interest margin3.3685%5,712
Noninterest income to average assets0.3339%5,471
Noninterest expense to average assets1.6644%7,604
Loan and lease loss provision to assets0.1218%5,363
Net operating income to assets1.5109%876
Return on assets (ROA)1.5109%944
Pretax return on assets1.7862%902
Return on Equity (ROE)12.7931%1,300
Retained earnings to average equity (ytd only)12.7931%650
Net charge-offs to loans-0.0265%7,152
Credit loss provision to net charge-offs-1,000.0000%6,385
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.5894%7,518
Assets per employee ($millions)4.8564%2,429
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9746%6,578
Loan loss allowance to noncurrent loans47.1466%5,200
Noncurrent assets plus other real estate owned to assets0.9339%5,281
Noncurrent loans to loans2.0672%3,699
Net loans and leases to total assets44.7352%6,929
Net loans and leases to deposits52.9943%6,982
Net loans and leases to core deposits53.4700%7,136
Total domestic deposits to total assets84.4152%3,939
Equity capital to assets12.0358%2,024
Core capital (leverage) ratio11.1085%2,157
Tier 1 risk-based capital ratio15.3893%2,925
Total risk-based capital ratio16.0015%3,192
Memoranda:
Average total assets$164,143,0003,765
Average earning assets$157,815,0003,612
Average equity$19,385,5003,279
Average total loans$75,344,0004,665
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1260%5,977
Cost of funding earning assets1.9052%3,441
Net interest margin3.2208%6,025
Noninterest income to average assets0.3020%5,937
Noninterest expense to average assets1.9179%7,476
Loan and lease loss provision to assets0.5479%3,630
Net operating income to assets0.6369%3,184
Return on assets (ROA)0.6090%3,364
Pretax return on assets0.8915%2,951
Return on Equity (ROE)5.1110%3,625
Retained earnings to average equity (ytd only)0.8783%4,409
Net charge-offs to loans1.2488%1,973
Credit loss provision to net charge-offs94.3540%5,836
Earnings coverage of net charge-offs (x)2.5494%3,845
Efficiency ratio56.4378%6,958
Assets per employee ($millions)4.7991%2,489
Cash dividends to net income (ytd only)*82.8157%1,084
Condition Ratios (%)
Loss allowance to loans0.8831%6,884
Loan loss allowance to noncurrent loans50.2994%5,023
Noncurrent assets plus other real estate owned to assets0.8188%5,466
Noncurrent loans to loans1.7557%4,005
Net loans and leases to total assets46.2242%6,951
Net loans and leases to deposits54.4275%7,022
Net loans and leases to core deposits63.1306%7,144
Total domestic deposits to total assets84.9280%3,587
Equity capital to assets11.5818%2,257
Core capital (leverage) ratio11.0035%2,221
Tier 1 risk-based capital ratio14.6944%3,102
Total risk-based capital ratio15.2541%3,454
Memoranda:
Average total assets$158,612,8003,799
Average earning assets$152,476,8003,667
Average equity$18,900,4003,355
Average total loans$73,753,0004,740
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1664%6,030
Cost of funding earning assets1.9596%3,570
Net interest margin3.2068%5,998
Noninterest income to average assets0.3099%6,005
Noninterest expense to average assets1.8398%7,623
Loan and lease loss provision to assets0.1846%5,520
Net operating income to assets0.9953%2,081
Return on assets (ROA)1.0922%1,817
Pretax return on assets1.5071%1,396
Return on Equity (ROE)9.0998%2,225
Retained earnings to average equity (ytd only)9.0998%820
Net charge-offs to loans0.3954%3,684
Credit loss provision to net charge-offs100.4608%5,052
Earnings coverage of net charge-offs (x)8.4745%2,237
Efficiency ratio54.1625%7,217
Assets per employee ($millions)4.7069%2,544
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.9704%6,442
Loan loss allowance to noncurrent loans207.1429%1,430
Noncurrent assets plus other real estate owned to assets0.2187%6,971
Noncurrent loans to loans0.4684%6,383
Net loans and leases to total assets46.2333%7,093
Net loans and leases to deposits55.3515%7,132
Net loans and leases to core deposits64.8006%7,211
Total domestic deposits to total assets83.5268%3,945
Equity capital to assets12.6759%1,846
Core capital (leverage) ratio11.9419%1,829
Tier 1 risk-based capital ratio15.9108%2,662
Total risk-based capital ratio16.5258%2,861
Memoranda:
Average total assets$157,473,5003,843
Average earning assets$151,591,7503,697
Average equity$18,901,0003,383
Average total loans$73,167,2504,806
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1854%6,133
Cost of funding earning assets2.0120%3,716
Net interest margin3.1733%6,006
Noninterest income to average assets0.3154%5,985
Noninterest expense to average assets1.8389%7,699
Loan and lease loss provision to assets0.1635%5,425
Net operating income to assets0.8903%2,490
Return on assets (ROA)0.9003%2,563
Pretax return on assets1.3817%1,781
Return on Equity (ROE)7.6467%2,905
Retained earnings to average equity (ytd only)7.6467%1,332
Net charge-offs to loans0.6029%2,534
Credit loss provision to net charge-offs58.4475%5,618
Earnings coverage of net charge-offs (x)5.4703%2,829
Efficiency ratio54.5868%7,271
Assets per employee ($millions)4.6054%2,597
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.8847%6,833
Loan loss allowance to noncurrent loans120.3810%2,451
Noncurrent assets plus other real estate owned to assets0.3353%6,620
Noncurrent loans to loans0.7350%5,772
Net loans and leases to total assets45.2157%7,248
Net loans and leases to deposits53.3658%7,316
Net loans and leases to core deposits61.9339%7,383
Total domestic deposits to total assets84.7278%3,389
Equity capital to assets11.8868%2,268
Core capital (leverage) ratio11.5184%2,078
Tier 1 risk-based capital ratio15.6780%2,741
Total risk-based capital ratio16.2235%2,973
Memoranda:
Average total assets$156,619,3303,884
Average earning assets$150,693,3303,730
Average equity$18,439,3303,478
Average total loans$72,651,3304,857
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3051%5,873
Cost of funding earning assets2.0811%3,735
Net interest margin3.2240%5,783
Noninterest income to average assets0.2886%6,131
Noninterest expense to average assets1.7467%7,768
Loan and lease loss provision to assets0.0255%6,597
Net operating income to assets0.9390%2,548
Return on assets (ROA)0.9423%2,671
Pretax return on assets1.6190%1,364
Return on Equity (ROE)8.0425%3,132
Retained earnings to average equity (ytd only)8.0425%1,800
Net charge-offs to loans0.1310%3,912
Credit loss provision to net charge-offs41.6667%4,802
Earnings coverage of net charge-offs (x)26.7500%1,166
Efficiency ratio51.5837%7,458
Assets per employee ($millions)4.5603%2,629
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.9916%6,250
Loan loss allowance to noncurrent loans188.8298%1,748
Noncurrent assets plus other real estate owned to assets0.2356%6,812
Noncurrent loans to loans0.5251%6,108
Net loans and leases to total assets44.4133%7,307
Net loans and leases to deposits52.3889%7,374
Net loans and leases to core deposits59.8613%7,461
Total domestic deposits to total assets84.7762%3,313
Equity capital to assets11.7241%2,428
Core capital (leverage) ratio11.1772%2,361
Tier 1 risk-based capital ratio15.7369%2,777
Total risk-based capital ratio16.3641%2,953
Memoranda:
Average total assets$156,636,5003,886
Average earning assets$150,497,0003,744
Average equity$18,352,5003,506
Average total loans$73,260,5004,861
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6886%6,811
Cost of funding earning assets2.6059%3,661
Net interest margin3.0827%6,698
Noninterest income to average assets0.3220%6,149
Noninterest expense to average assets1.9348%7,559
Loan and lease loss provision to assets0.0740%6,473
Net operating income to assets1.0476%2,365
Return on assets (ROA)1.0934%2,089
Pretax return on assets1.3154%2,259
Return on Equity (ROE)9.6376%2,383
Retained earnings to average equity (ytd only)5.2881%1,868
Net charge-offs to loans0.2410%3,848
Credit loss provision to net charge-offs65.1429%6,157
Earnings coverage of net charge-offs (x)11.7429%2,339
Efficiency ratio59.1857%6,501
Assets per employee ($millions)4.6564%2,391
Cash dividends to net income (ytd only)*45.1306%3,398
Condition Ratios (%)
Loss allowance to loans0.9663%6,290
Loan loss allowance to noncurrent loans206.8571%1,886
Noncurrent assets plus other real estate owned to assets0.2278%6,665
Noncurrent loans to loans0.4672%5,947
Net loans and leases to total assets48.2868%7,165
Net loans and leases to deposits56.9405%7,264
Net loans and leases to core deposits65.3767%7,383
Total domestic deposits to total assets84.8023%2,933
Equity capital to assets11.7089%2,495
Core capital (leverage) ratio11.7132%2,120
Tier 1 risk-based capital ratio15.4184%2,868
Total risk-based capital ratio16.0587%3,060
Memoranda:
Average total assets$154,019,6003,819
Average earning assets$147,240,6003,704
Average equity$17,473,2003,651
Average total loans$72,617,4004,783