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First National Bank of Giddings, 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 assets5.4446%2,214
Cost of funding earning assets2.1791%1,491
Net interest margin3.2655%2,851
Noninterest income to average assets0.1900%3,621
Noninterest expense to average assets1.9454%3,655
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.1323%1,914
Return on assets (ROA)1.1323%1,915
Pretax return on assets1.3284%1,897
Return on Equity (ROE)14.1500%1,231
Retained earnings to average equity (ytd only)14.1475%514
Net charge-offs to loans-0.0751%4,355
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio59.4229%3,034
Assets per employee ($millions)9.6249%893
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.4507%1,148
Loan loss allowance to noncurrent loans208.9499%2,099
Noncurrent assets plus other real estate owned to assets0.4975%1,485
Noncurrent loans to loans0.6943%1,470
Net loans and leases to total assets70.6200%1,765
Net loans and leases to deposits78.0423%2,225
Net loans and leases to core deposits87.7349%2,203
Total domestic deposits to total assets90.4900%668
Equity capital to assets8.1634%3,510
Core capital (leverage) ratio10.4204%2,479
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$334,536,5002,324
Average earning assets$315,539,5002,296
Average equity$26,775,0002,593
Average total loans$239,797,0002,168
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1923%2,744
Cost of funding earning assets2.2364%1,651
Net interest margin2.9559%3,219
Noninterest income to average assets0.3600%2,692
Noninterest expense to average assets2.0173%3,572
Loan and lease loss provision to assets0.0300%2,546
Net operating income to assets0.9704%2,159
Return on assets (ROA)0.9704%2,155
Pretax return on assets1.1037%2,230
Return on Equity (ROE)12.0200%1,603
Retained earnings to average equity (ytd only)9.4925%686
Net charge-offs to loans-0.0811%4,408
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio64.1205%2,711
Assets per employee ($millions)9.4915%898
Cash dividends to net income (ytd only)*21.0152%2,915
Condition Ratios (%)
Loss allowance to loans1.5126%974
Loan loss allowance to noncurrent loans219.9634%2,050
Noncurrent assets plus other real estate owned to assets0.4931%1,452
Noncurrent loans to loans0.6877%1,421
Net loans and leases to total assets70.6200%1,821
Net loans and leases to deposits80.3308%2,103
Net loans and leases to core deposits88.8284%2,196
Total domestic deposits to total assets87.9100%1,542
Equity capital to assets7.8416%3,604
Core capital (leverage) ratio10.3974%2,445
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$318,747,2002,369
Average earning assets$300,521,8002,345
Average equity$25,736,0002,589
Average total loans$217,116,0002,263
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0961%2,873
Cost of funding earning assets2.2271%1,679
Net interest margin2.8691%3,336
Noninterest income to average assets0.2500%3,362
Noninterest expense to average assets1.9755%3,613
Loan and lease loss provision to assets-0.0500%4,301
Net operating income to assets0.8878%2,421
Return on assets (ROA)0.8878%2,426
Pretax return on assets1.0319%2,441
Return on Equity (ROE)10.9100%1,921
Retained earnings to average equity (ytd only)9.6136%932
Net charge-offs to loans-0.0642%4,381
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio66.8144%2,385
Assets per employee ($millions)8.7973%1,141
Cash dividends to net income (ytd only)*11.9048%2,774
Condition Ratios (%)
Loss allowance to loans1.5074%1,032
Loan loss allowance to noncurrent loans204.6097%2,202
Noncurrent assets plus other real estate owned to assets0.4998%1,404
Noncurrent loans to loans0.7367%1,343
Net loans and leases to total assets66.8300%2,228
Net loans and leases to deposits76.0138%2,525
Net loans and leases to core deposits84.1301%2,558
Total domestic deposits to total assets87.9100%1,265
Equity capital to assets8.5398%3,374
Core capital (leverage) ratio10.6036%2,323
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$315,383,2502,382
Average earning assets$297,185,7502,358
Average equity$25,657,5002,591
Average total loans$211,845,5002,282
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0019%2,946
Cost of funding earning assets2.2090%1,628
Net interest margin2.7929%3,435
Noninterest income to average assets0.2300%3,492
Noninterest expense to average assets1.9538%3,653
Loan and lease loss provision to assets-0.0800%4,378
Net operating income to assets0.8532%2,447
Return on assets (ROA)0.8532%2,461
Pretax return on assets0.9910%2,516
Return on Equity (ROE)10.6700%1,984
Retained earnings to average equity (ytd only)8.6673%1,180
Net charge-offs to loans-0.2595%4,530
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio68.1270%2,318
Assets per employee ($millions)8.0854%1,408
Cash dividends to net income (ytd only)*18.7829%2,547
Condition Ratios (%)
Loss allowance to loans1.6019%856
Loan loss allowance to noncurrent loans247.9093%2,049
Noncurrent assets plus other real estate owned to assets0.4475%1,459
Noncurrent loans to loans0.6461%1,429
Net loans and leases to total assets68.1400%2,112
Net loans and leases to deposits75.7809%2,560
Net loans and leases to core deposits84.0674%2,526
Total domestic deposits to total assets89.9200%728
Equity capital to assets7.9859%3,438
Core capital (leverage) ratio10.4673%2,410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$312,011,0002,387
Average earning assets$294,528,6672,353
Average equity$24,944,3332,591
Average total loans$208,844,0002,293
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9642%2,852
Cost of funding earning assets2.2058%1,539
Net interest margin2.7583%3,455
Noninterest income to average assets0.2400%3,362
Noninterest expense to average assets1.8237%3,917
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.8803%2,287
Return on assets (ROA)0.8803%2,305
Pretax return on assets1.0259%2,316
Return on Equity (ROE)11.0000%1,851
Retained earnings to average equity (ytd only)11.0048%910
Net charge-offs to loans-0.2078%4,524
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio63.9982%2,818
Assets per employee ($millions)8.7306%1,123
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.6792%707
Loan loss allowance to noncurrent loans278.6925%1,994
Noncurrent assets plus other real estate owned to assets0.3942%1,557
Noncurrent loans to loans0.6025%1,444
Net loans and leases to total assets64.3300%2,432
Net loans and leases to deposits72.7160%2,699
Net loans and leases to core deposits78.6869%2,822
Total domestic deposits to total assets88.4600%1,272
Equity capital to assets7.9033%3,434
Core capital (leverage) ratio10.4376%2,372
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$310,351,0002,401
Average earning assets$293,222,0002,373
Average equity$24,825,5002,607
Average total loans$204,080,5002,313
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5203%3,062
Cost of funding earning assets1.5374%1,849
Net interest margin2.9829%3,323
Noninterest income to average assets0.2700%3,317
Noninterest expense to average assets1.8997%3,837
Loan and lease loss provision to assets0.1400%913
Net operating income to assets0.9165%2,495
Return on assets (ROA)0.8920%2,547
Pretax return on assets1.0237%2,602
Return on Equity (ROE)12.0300%1,947
Retained earnings to average equity (ytd only)12.0327%624
Net charge-offs to loans0.1297%760
Credit loss provision to net charge-offs158.7302%1,418
Earnings coverage of net charge-offs (x)13.8810%2,096
Efficiency ratio61.5308%2,903
Assets per employee ($millions)8.2811%1,287
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.6526%759
Loan loss allowance to noncurrent loans308.7638%1,984
Noncurrent assets plus other real estate owned to assets0.3538%1,547
Noncurrent loans to loans0.5352%1,456
Net loans and leases to total assets65.0100%2,364
Net loans and leases to deposits73.6237%2,642
Net loans and leases to core deposits80.6370%2,673
Total domestic deposits to total assets88.3000%1,255
Equity capital to assets8.0975%3,355
Core capital (leverage) ratio10.4261%2,411
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$294,516,8002,450
Average earning assets$278,521,2002,423
Average equity$21,832,2002,711
Average total loans$194,240,2002,329
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4270%3,045
Cost of funding earning assets1.3479%2,010
Net interest margin3.0791%3,176
Noninterest income to average assets0.2700%3,321
Noninterest expense to average assets1.8764%3,841
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.1234%1,982
Return on assets (ROA)1.0907%2,068
Pretax return on assets1.2704%2,122
Return on Equity (ROE)15.0800%1,431
Retained earnings to average equity (ytd only)15.0796%546
Net charge-offs to loans0.0722%969
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)27.5096%1,640
Efficiency ratio58.9173%3,097
Assets per employee ($millions)7.9557%1,367
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.5551%974
Loan loss allowance to noncurrent loans436.5303%1,580
Noncurrent assets plus other real estate owned to assets0.2409%2,048
Noncurrent loans to loans0.3562%1,951
Net loans and leases to total assets66.5600%2,194
Net loans and leases to deposits75.2575%2,479
Net loans and leases to core deposits82.6751%2,425
Total domestic deposits to total assets88.4400%1,431
Equity capital to assets6.7373%3,737
Core capital (leverage) ratio10.6507%2,267
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$291,545,5002,469
Average earning assets$275,879,0002,441
Average equity$21,087,5002,754
Average total loans$192,167,7502,344
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3346%3,032
Cost of funding earning assets1.1299%2,195
Net interest margin3.2047%2,985
Noninterest income to average assets0.2700%3,288
Noninterest expense to average assets1.8809%3,858
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.2253%1,763
Return on assets (ROA)1.1762%1,887
Pretax return on assets1.3730%1,881
Return on Equity (ROE)15.8900%1,284
Retained earnings to average equity (ytd only)15.8932%484
Net charge-offs to loans0.1580%494
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)13.8533%1,897
Efficiency ratio56.8073%3,320
Assets per employee ($millions)7.8418%1,394
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.5644%1,006
Loan loss allowance to noncurrent loans474.1835%1,618
Noncurrent assets plus other real estate owned to assets0.2216%2,082
Noncurrent loans to loans0.3299%1,945
Net loans and leases to total assets66.1200%2,146
Net loans and leases to deposits76.1832%2,294
Net loans and leases to core deposits81.7871%2,352
Total domestic deposits to total assets86.7900%1,993
Equity capital to assets7.7326%3,383
Core capital (leverage) ratio10.4907%2,318
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$290,607,0002,482
Average earning assets$275,593,3332,447
Average equity$21,506,0002,738
Average total loans$189,882,0002,355
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2129%3,012
Cost of funding earning assets0.8894%2,407
Net interest margin3.3235%2,821
Noninterest income to average assets0.2900%3,144
Noninterest expense to average assets1.8595%3,934
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.3575%1,518
Return on assets (ROA)1.3575%1,485
Pretax return on assets1.5981%1,465
Return on Equity (ROE)18.7600%919
Retained earnings to average equity (ytd only)18.7634%452
Net charge-offs to loans0.0235%1,212
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)105.6364%761
Efficiency ratio53.7788%3,625
Assets per employee ($millions)7.9003%1,400
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.6685%879
Loan loss allowance to noncurrent loans259.3165%2,381
Noncurrent assets plus other real estate owned to assets0.4204%1,226
Noncurrent loans to loans0.6434%1,169
Net loans and leases to total assets64.2500%2,223
Net loans and leases to deposits72.0736%2,465
Net loans and leases to core deposits77.1570%2,444
Total domestic deposits to total assets89.1500%1,492
Equity capital to assets7.5827%3,519
Core capital (leverage) ratio10.2578%2,441
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$290,837,0002,513
Average earning assets$277,054,0002,467
Average equity$21,041,0002,793
Average total loans$187,372,0002,390
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7558%2,391
Cost of funding earning assets0.5514%1,104
Net interest margin3.2044%2,858
Noninterest income to average assets0.2200%3,823
Noninterest expense to average assets1.9624%3,680
Loan and lease loss provision to assets0.2700%333
Net operating income to assets0.9307%2,846
Return on assets (ROA)0.9307%2,788
Pretax return on assets1.0496%2,916
Return on Equity (ROE)11.6700%2,251
Retained earnings to average equity (ytd only)7.1791%2,162
Net charge-offs to loans-0.0166%3,996
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio59.8210%3,082
Assets per employee ($millions)7.8206%1,430
Cash dividends to net income (ytd only)*38.4615%1,992
Condition Ratios (%)
Loss allowance to loans1.7411%747
Loan loss allowance to noncurrent loans604.7259%1,397
Noncurrent assets plus other real estate owned to assets0.1828%2,270
Noncurrent loans to loans0.2879%2,114
Net loans and leases to total assets62.3900%2,398
Net loans and leases to deposits67.6546%2,754
Net loans and leases to core deposits73.1977%2,631
Total domestic deposits to total assets92.2200%581
Equity capital to assets6.8830%3,717
Core capital (leverage) ratio10.0974%2,547
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$279,345,2002,556
Average earning assets$266,412,4002,512
Average equity$22,286,8002,746
Average total loans$162,470,2002,520
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6180%2,294
Cost of funding earning assets0.4914%779
Net interest margin3.1266%2,844
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets1.8836%3,787
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.1511%1,888
Return on assets (ROA)1.1511%1,862
Pretax return on assets1.3264%1,962
Return on Equity (ROE)13.9300%1,447
Retained earnings to average equity (ytd only)8.1003%1,963
Net charge-offs to loans0.0195%1,445
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)119.7391%847
Efficiency ratio58.6797%3,301
Assets per employee ($millions)7.5716%1,571
Cash dividends to net income (ytd only)*41.8410%1,506
Condition Ratios (%)
Loss allowance to loans1.3550%1,783
Loan loss allowance to noncurrent loans385.6913%1,866
Noncurrent assets plus other real estate owned to assets0.2220%2,121
Noncurrent loans to loans0.3513%1,976
Net loans and leases to total assets62.3400%2,247
Net loans and leases to deposits67.0413%2,629
Net loans and leases to core deposits71.7208%2,504
Total domestic deposits to total assets92.9900%583
Equity capital to assets6.0240%3,955
Core capital (leverage) ratio10.3054%2,279
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$276,840,5002,587
Average earning assets$264,267,2502,546
Average equity$22,879,2502,747
Average total loans$157,153,7502,567
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4421%2,319
Cost of funding earning assets0.4533%679
Net interest margin2.9888%2,915
Noninterest income to average assets0.2111%3,937
Noninterest expense to average assets1.8554%3,820
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.0641%1,920
Return on assets (ROA)1.0641%1,892
Pretax return on assets1.2156%2,024
Return on Equity (ROE)11.7924%1,725
Retained earnings to average equity (ytd only)3.7540%3,180
Net charge-offs to loans-0.0239%3,954
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4157%3,246
Assets per employee ($millions)7.6483%1,517
Cash dividends to net income (ytd only)*68.1663%869
Condition Ratios (%)
Loss allowance to loans1.4806%1,459
Loan loss allowance to noncurrent loans368.5801%1,887
Noncurrent assets plus other real estate owned to assets0.2404%2,125
Noncurrent loans to loans0.4017%1,926
Net loans and leases to total assets58.9655%2,442
Net loans and leases to deposits63.7529%2,746
Net loans and leases to core deposits66.3223%2,791
Total domestic deposits to total assets92.4907%658
Equity capital to assets7.2779%3,612
Core capital (leverage) ratio10.3592%2,059
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$275,738,0002,608
Average earning assets$263,854,0002,580
Average equity$24,880,3332,688
Average total loans$150,523,3332,638
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2604%2,501
Cost of funding earning assets0.4483%665
Net interest margin2.8121%3,102
Noninterest income to average assets0.2000%3,965
Noninterest expense to average assets1.8164%3,900
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9582%2,039
Return on assets (ROA)0.9582%2,035
Pretax return on assets1.0843%2,191
Return on Equity (ROE)9.6846%2,086
Retained earnings to average equity (ytd only)9.6846%1,099
Net charge-offs to loans0.0781%606
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)26.7143%1,181
Efficiency ratio62.6187%3,187
Assets per employee ($millions)7.8905%1,441
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.6383%1,179
Loan loss allowance to noncurrent loans301.6373%2,094
Noncurrent assets plus other real estate owned to assets0.2875%1,969
Noncurrent loans to loans0.5431%1,685
Net loans and leases to total assets52.0672%2,982
Net loans and leases to deposits57.3119%3,147
Net loans and leases to core deposits59.8052%3,164
Total domestic deposits to total assets90.8490%1,108
Equity capital to assets8.9359%2,766
Core capital (leverage) ratio10.4321%1,916
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$275,937,5002,624
Average earning assets$264,997,0002,584
Average equity$27,301,0002,642
Average total loans$143,387,5002,706
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3058%3,199
Cost of funding earning assets0.5196%849
Net interest margin2.7862%3,700
Noninterest income to average assets0.2071%4,127
Noninterest expense to average assets1.8606%4,027
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.9049%3,020
Return on assets (ROA)0.8994%3,106
Pretax return on assets1.0171%3,212
Return on Equity (ROE)8.0591%3,200
Retained earnings to average equity (ytd only)4.7206%2,910
Net charge-offs to loans-0.0131%3,826
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5136%2,476
Assets per employee ($millions)7.6586%1,523
Cash dividends to net income (ytd only)*41.4250%1,962
Condition Ratios (%)
Loss allowance to loans1.7228%1,000
Loan loss allowance to noncurrent loans287.6485%2,104
Noncurrent assets plus other real estate owned to assets0.3054%2,010
Noncurrent loans to loans0.5989%1,635
Net loans and leases to total assets50.1130%3,257
Net loans and leases to deposits56.2854%3,395
Net loans and leases to core deposits58.7975%3,408
Total domestic deposits to total assets89.0337%1,498
Equity capital to assets10.8535%1,899
Core capital (leverage) ratio10.5830%1,850
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$268,414,6002,611
Average earning assets$257,878,2002,567
Average equity$29,953,6002,539
Average total loans$137,066,0002,760
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3296%3,309
Cost of funding earning assets0.5488%839
Net interest margin2.7808%3,822
Noninterest income to average assets0.2036%4,181
Noninterest expense to average assets1.8250%4,116
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.9217%3,175
Return on assets (ROA)0.9217%3,248
Pretax return on assets1.0473%3,330
Return on Equity (ROE)8.2016%3,347
Retained earnings to average equity (ytd only)3.7514%3,660
Net charge-offs to loans-0.0020%3,216
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5382%2,463
Assets per employee ($millions)7.4208%1,610
Cash dividends to net income (ytd only)*54.2594%1,034
Condition Ratios (%)
Loss allowance to loans1.7593%999
Loan loss allowance to noncurrent loans254.6032%2,213
Noncurrent assets plus other real estate owned to assets0.3537%2,016
Noncurrent loans to loans0.6910%1,598
Net loans and leases to total assets50.2910%3,376
Net loans and leases to deposits56.7186%3,516
Net loans and leases to core deposits59.2160%3,533
Total domestic deposits to total assets88.6677%1,477
Equity capital to assets11.1250%1,931
Core capital (leverage) ratio10.3294%2,200
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$266,591,0002,649
Average earning assets$255,839,0002,596
Average equity$29,961,0002,570
Average total loans$136,185,5002,808
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3597%3,289
Cost of funding earning assets0.5778%825
Net interest margin2.7819%3,823
Noninterest income to average assets0.1989%4,205
Noninterest expense to average assets1.8070%4,168
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9354%3,114
Return on assets (ROA)0.9354%3,193
Pretax return on assets1.0668%3,301
Return on Equity (ROE)8.2952%3,317
Retained earnings to average equity (ytd only)8.2952%1,979
Net charge-offs to loans0.0029%2,084
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)710.5000%195
Efficiency ratio62.8788%2,600
Assets per employee ($millions)7.8092%1,304
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.7555%962
Loan loss allowance to noncurrent loans234.3415%2,230
Noncurrent assets plus other real estate owned to assets0.3750%2,105
Noncurrent loans to loans0.7491%1,597
Net loans and leases to total assets49.1832%3,636
Net loans and leases to deposits55.4624%3,758
Net loans and leases to core deposits58.4668%3,731
Total domestic deposits to total assets88.6785%1,465
Equity capital to assets11.1301%1,893
Core capital (leverage) ratio10.5592%1,905
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$266,405,6672,638
Average earning assets$256,151,3332,585
Average equity$30,041,3332,549
Average total loans$135,995,0002,823
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3778%3,262
Cost of funding earning assets0.6110%840
Net interest margin2.7668%3,837
Noninterest income to average assets0.1932%4,230
Noninterest expense to average assets1.8209%4,170
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9082%3,109
Return on assets (ROA)0.9082%3,185
Pretax return on assets1.0314%3,288
Return on Equity (ROE)7.9996%3,318
Retained earnings to average equity (ytd only)7.9996%2,235
Net charge-offs to loans-0.0502%4,395
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8400%2,485
Assets per employee ($millions)7.5807%1,408
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.7884%890
Loan loss allowance to noncurrent loans197.3105%2,394
Noncurrent assets plus other real estate owned to assets0.4625%2,003
Noncurrent loans to loans0.9064%1,492
Net loans and leases to total assets50.1087%3,613
Net loans and leases to deposits56.5543%3,756
Net loans and leases to core deposits59.8734%3,706
Total domestic deposits to total assets88.6029%1,560
Equity capital to assets11.1720%1,742
Core capital (leverage) ratio10.5557%2,039
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$262,948,0002,645
Average earning assets$252,709,5002,592
Average equity$29,851,5002,556
Average total loans$135,577,5002,830
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7514%3,438
Cost of funding earning assets0.7361%1,536
Net interest margin3.0153%3,851
Noninterest income to average assets0.2784%3,814
Noninterest expense to average assets1.9702%4,197
Loan and lease loss provision to assets0.0960%3,145
Net operating income to assets0.9522%2,472
Return on assets (ROA)0.9653%2,565
Pretax return on assets1.1076%2,662
Return on Equity (ROE)8.3805%2,659
Retained earnings to average equity (ytd only)8.3805%945
Net charge-offs to loans0.1518%1,072
Credit loss provision to net charge-offs114.4279%2,688
Earnings coverage of net charge-offs (x)14.1692%2,229
Efficiency ratio62.3728%3,059
Assets per employee ($millions)7.4449%1,316
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.7705%907
Loan loss allowance to noncurrent loans197.8601%2,356
Noncurrent assets plus other real estate owned to assets0.4663%2,162
Noncurrent loans to loans0.8948%1,575
Net loans and leases to total assets51.1872%3,735
Net loans and leases to deposits58.0425%3,887
Net loans and leases to core deposits61.1669%3,876
Total domestic deposits to total assets88.1891%1,381
Equity capital to assets11.5365%1,855
Core capital (leverage) ratio11.1142%1,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$239,620,6002,661
Average earning assets$228,903,0002,607
Average equity$27,599,8002,630
Average total loans$132,417,2002,836
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8730%3,345
Cost of funding earning assets0.7719%1,623
Net interest margin3.1012%3,733
Noninterest income to average assets0.2145%4,199
Noninterest expense to average assets1.9313%4,284
Loan and lease loss provision to assets0.1310%2,713
Net operating income to assets0.9669%2,462
Return on assets (ROA)0.9847%2,528
Pretax return on assets1.1326%2,629
Return on Equity (ROE)8.5528%2,583
Retained earnings to average equity (ytd only)8.5528%1,127
Net charge-offs to loans0.2209%692
Credit loss provision to net charge-offs105.5046%2,581
Earnings coverage of net charge-offs (x)10.0229%2,384
Efficiency ratio60.8423%3,248
Assets per employee ($millions)6.7895%1,628
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.7360%831
Loan loss allowance to noncurrent loans207.3849%2,147
Noncurrent assets plus other real estate owned to assets0.4709%2,313
Noncurrent loans to loans0.8371%1,755
Net loans and leases to total assets55.2773%3,682
Net loans and leases to deposits62.9218%3,868
Net loans and leases to core deposits66.5537%3,861
Total domestic deposits to total assets87.8509%1,287
Equity capital to assets11.8684%1,759
Core capital (leverage) ratio11.0707%1,842
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$234,382,5002,679
Average earning assets$223,695,2502,623
Average equity$26,984,5002,669
Average total loans$131,575,5002,854
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0078%3,303
Cost of funding earning assets0.8090%1,783
Net interest margin3.1988%3,674
Noninterest income to average assets0.2207%4,167
Noninterest expense to average assets1.9443%4,341
Loan and lease loss provision to assets0.1991%2,056
Net operating income to assets0.9719%2,420
Return on assets (ROA)0.9990%2,457
Pretax return on assets1.1548%2,529
Return on Equity (ROE)8.7724%2,460
Retained earnings to average equity (ytd only)8.7724%1,086
Net charge-offs to loans0.2654%595
Credit loss provision to net charge-offs133.7209%2,212
Earnings coverage of net charge-offs (x)8.8837%2,257
Efficiency ratio59.5125%3,483
Assets per employee ($millions)6.6798%1,657
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.8022%649
Loan loss allowance to noncurrent loans222.3949%1,985
Noncurrent assets plus other real estate owned to assets0.4549%2,501
Noncurrent loans to loans0.8104%1,873
Net loans and leases to total assets55.1293%3,767
Net loans and leases to deposits62.5528%3,973
Net loans and leases to core deposits65.9408%3,973
Total domestic deposits to total assets88.1325%1,113
Equity capital to assets11.6093%1,903
Core capital (leverage) ratio10.8573%2,078
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$231,036,0002,676
Average earning assets$220,022,3332,628
Average equity$26,309,6672,696
Average total loans$129,601,6672,868
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8909%4,052
Cost of funding earning assets0.8580%2,068
Net interest margin3.0328%4,224
Noninterest income to average assets0.2439%4,099
Noninterest expense to average assets2.0219%4,360
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.9474%2,355
Return on assets (ROA)1.0021%2,272
Pretax return on assets1.1718%2,296
Return on Equity (ROE)8.8920%2,158
Retained earnings to average equity (ytd only)8.8920%1,003
Net charge-offs to loans0.4350%336
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)4.5435%2,129
Efficiency ratio64.5963%3,130
Assets per employee ($millions)6.2349%1,496
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.7873%725
Loan loss allowance to noncurrent loans197.9646%2,075
Noncurrent assets plus other real estate owned to assets0.4898%2,526
Noncurrent loans to loans0.9029%1,808
Net loans and leases to total assets53.2838%4,040
Net loans and leases to deposits60.0375%4,193
Net loans and leases to core deposits63.9935%4,170
Total domestic deposits to total assets88.7509%785
Equity capital to assets11.0719%2,800
Core capital (leverage) ratio11.2268%2,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$226,318,5002,662
Average earning assets$215,375,0002,613
Average equity$25,506,0002,743
Average total loans$126,901,0002,871
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1918%3,830
Cost of funding earning assets0.8747%2,310
Net interest margin3.3170%3,950
Noninterest income to average assets0.2701%4,061
Noninterest expense to average assets2.1514%4,265
Loan and lease loss provision to assets0.0951%2,131
Net operating income to assets1.0186%2,778
Return on assets (ROA)1.0500%2,752
Pretax return on assets1.2065%2,819
Return on Equity (ROE)9.2673%2,627
Retained earnings to average equity (ytd only)9.2673%648
Net charge-offs to loans0.0024%3,608
Credit loss provision to net charge-offs6,666.6667%66
Earnings coverage of net charge-offs (x)887.0000%118
Efficiency ratio62.9645%3,222
Assets per employee ($millions)5.9985%1,636
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.8454%606
Loan loss allowance to noncurrent loans169.2088%2,384
Noncurrent assets plus other real estate owned to assets0.6321%2,004
Noncurrent loans to loans1.0906%1,385
Net loans and leases to total assets56.8923%3,854
Net loans and leases to deposits64.3511%4,056
Net loans and leases to core deposits68.1132%4,077
Total domestic deposits to total assets88.4092%935
Equity capital to assets11.4759%2,548
Core capital (leverage) ratio11.8203%1,883
Tier 1 risk-based capital ratio18.6282%1,606
Total risk-based capital ratio19.8840%1,573
Memoranda:
Average total assets$210,283,6002,754
Average earning assets$199,487,0002,716
Average equity$23,825,8002,810
Average total loans$124,919,0002,878
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2349%3,846
Cost of funding earning assets0.9052%2,208
Net interest margin3.3297%4,042
Noninterest income to average assets0.2771%4,094
Noninterest expense to average assets2.1796%4,219
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.0917%2,603
Return on assets (ROA)1.1342%2,525
Pretax return on assets1.3039%2,657
Return on Equity (ROE)10.0447%2,410
Retained earnings to average equity (ytd only)10.0447%736
Net charge-offs to loans-0.0570%4,863
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4594%3,095
Assets per employee ($millions)5.5701%1,965
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.7452%748
Loan loss allowance to noncurrent loans166.0462%2,420
Noncurrent assets plus other real estate owned to assets0.6517%2,056
Noncurrent loans to loans1.0510%1,523
Net loans and leases to total assets60.9194%3,605
Net loans and leases to deposits70.3409%3,749
Net loans and leases to core deposits73.5109%3,856
Total domestic deposits to total assets86.6060%1,723
Equity capital to assets12.1892%2,121
Core capital (leverage) ratio11.9045%1,915
Tier 1 risk-based capital ratio18.5784%1,669
Total risk-based capital ratio19.8339%1,635
Memoranda:
Average total assets$207,368,5002,801
Average earning assets$196,646,7502,757
Average equity$23,414,7502,859
Average total loans$123,988,0002,923
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1687%3,997
Cost of funding earning assets0.9194%2,053
Net interest margin3.2493%4,241
Noninterest income to average assets0.2733%4,108
Noninterest expense to average assets2.1714%4,295
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.0062%2,900
Return on assets (ROA)1.0684%2,716
Pretax return on assets1.2570%2,720
Return on Equity (ROE)9.7172%2,525
Retained earnings to average equity (ytd only)9.7172%835
Net charge-offs to loans-0.2216%5,142
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7160%3,016
Assets per employee ($millions)5.3739%2,077
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.8261%648
Loan loss allowance to noncurrent loans161.8182%2,507
Noncurrent assets plus other real estate owned to assets0.7003%1,957
Noncurrent loans to loans1.1285%1,444
Net loans and leases to total assets60.9217%3,664
Net loans and leases to deposits69.8390%3,858
Net loans and leases to core deposits73.0736%3,939
Total domestic deposits to total assets87.2316%1,478
Equity capital to assets11.7821%2,356
Core capital (leverage) ratio11.5644%2,113
Tier 1 risk-based capital ratio18.4294%1,692
Total risk-based capital ratio19.6859%1,651
Memoranda:
Average total assets$207,794,0002,804
Average earning assets$197,088,0002,763
Average equity$22,846,0002,897
Average total loans$122,724,0002,950
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1095%4,098
Cost of funding earning assets0.9412%1,830
Net interest margin3.1683%4,462
Noninterest income to average assets0.2691%4,073
Noninterest expense to average assets2.1833%4,304
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.9212%3,159
Return on assets (ROA)1.0478%2,709
Pretax return on assets1.2348%2,684
Return on Equity (ROE)9.8745%2,418
Retained earnings to average equity (ytd only)9.8745%1,063
Net charge-offs to loans-0.1624%5,141
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7834%2,825
Assets per employee ($millions)5.5058%1,979
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.8320%664
Loan loss allowance to noncurrent loans145.7461%2,720
Noncurrent assets plus other real estate owned to assets0.7303%1,921
Noncurrent loans to loans1.2570%1,309
Net loans and leases to total assets57.0363%3,985
Net loans and leases to deposits64.1760%4,172
Net loans and leases to core deposits68.4526%4,156
Total domestic deposits to total assets88.8749%922
Equity capital to assets10.9119%2,941
Core capital (leverage) ratio10.9446%2,618
Tier 1 risk-based capital ratio17.9230%1,813
Total risk-based capital ratio19.1784%1,775
Memoranda:
Average total assets$209,587,0002,810
Average earning assets$198,467,0002,782
Average equity$22,239,0002,951
Average total loans$120,725,5003,012
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9774%4,087
Cost of funding earning assets0.7772%1,648
Net interest margin3.2002%4,485
Noninterest income to average assets0.2614%4,368
Noninterest expense to average assets2.1844%4,373
Loan and lease loss provision to assets0.1732%1,150
Net operating income to assets0.7885%3,848
Return on assets (ROA)0.7885%3,852
Pretax return on assets0.9365%3,795
Return on Equity (ROE)7.5817%3,626
Retained earnings to average equity (ytd only)7.3437%1,520
Net charge-offs to loans0.1859%1,032
Credit loss provision to net charge-offs160.5505%1,730
Earnings coverage of net charge-offs (x)10.2844%2,736
Efficiency ratio66.3110%2,826
Assets per employee ($millions)5.5251%1,932
Cash dividends to net income (ytd only)*3.1387%3,973
Condition Ratios (%)
Loss allowance to loans1.8158%663
Loan loss allowance to noncurrent loans136.9182%2,882
Noncurrent assets plus other real estate owned to assets0.7573%1,842
Noncurrent loans to loans1.3262%1,181
Net loans and leases to total assets56.0673%4,129
Net loans and leases to deposits62.6040%4,339
Net loans and leases to core deposits67.7586%4,245
Total domestic deposits to total assets89.5586%638
Equity capital to assets10.3109%3,364
Core capital (leverage) ratio11.0975%2,437
Tier 1 risk-based capital ratio17.5064%1,902
Total risk-based capital ratio18.7616%1,854
Memoranda:
Average total assets$202,022,8002,847
Average earning assets$191,457,8002,813
Average equity$21,011,2002,991
Average total loans$117,294,0003,026
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9413%4,103
Cost of funding earning assets0.7519%1,575
Net interest margin3.1894%4,535
Noninterest income to average assets0.2613%4,405
Noninterest expense to average assets2.1582%4,410
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.9684%3,223
Return on assets (ROA)0.9684%3,238
Pretax return on assets1.1311%3,274
Return on Equity (ROE)9.2906%2,961
Retained earnings to average equity (ytd only)9.2906%1,121
Net charge-offs to loans0.1017%1,471
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)19.0680%2,023
Efficiency ratio65.6130%2,939
Assets per employee ($millions)5.4979%1,916
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.6307%1,007
Loan loss allowance to noncurrent loans108.4211%3,318
Noncurrent assets plus other real estate owned to assets0.8873%1,660
Noncurrent loans to loans1.5041%1,083
Net loans and leases to total assets58.0320%4,037
Net loans and leases to deposits64.9399%4,279
Net loans and leases to core deposits70.5785%4,151
Total domestic deposits to total assets89.3626%716
Equity capital to assets10.3773%3,255
Core capital (leverage) ratio11.1530%2,455
Tier 1 risk-based capital ratio17.6833%1,875
Total risk-based capital ratio18.9367%1,832
Memoranda:
Average total assets$200,040,2502,885
Average earning assets$189,917,0002,843
Average equity$20,852,0003,034
Average total loans$116,644,5003,058
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9066%4,062
Cost of funding earning assets0.7242%1,501
Net interest margin3.1825%4,546
Noninterest income to average assets0.2634%4,427
Noninterest expense to average assets2.1597%4,464
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.9652%3,167
Return on assets (ROA)0.9652%3,168
Pretax return on assets1.1261%3,205
Return on Equity (ROE)9.2459%2,917
Retained earnings to average equity (ytd only)9.2459%1,142
Net charge-offs to loans-0.0554%4,953
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7283%3,027
Assets per employee ($millions)5.5351%1,851
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.7321%855
Loan loss allowance to noncurrent loans102.6680%3,429
Noncurrent assets plus other real estate owned to assets1.0157%1,481
Noncurrent loans to loans1.6871%944
Net loans and leases to total assets59.1632%3,890
Net loans and leases to deposits66.2514%4,152
Net loans and leases to core deposits71.9932%4,006
Total domestic deposits to total assets89.3011%815
Equity capital to assets10.4916%3,128
Core capital (leverage) ratio11.0263%2,499
Tier 1 risk-based capital ratio17.5436%1,929
Total risk-based capital ratio18.7983%1,884
Memoranda:
Average total assets$198,912,3302,909
Average earning assets$188,909,3302,865
Average equity$20,766,0003,056
Average total loans$115,523,3303,086
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8389%4,112
Cost of funding earning assets0.6639%1,636
Net interest margin3.1751%4,543
Noninterest income to average assets0.2677%4,383
Noninterest expense to average assets2.1254%4,600
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.9882%2,898
Return on assets (ROA)0.9882%2,928
Pretax return on assets1.1553%2,955
Return on Equity (ROE)9.4898%2,682
Retained earnings to average equity (ytd only)9.4898%1,310
Net charge-offs to loans-0.0600%5,050
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7853%3,357
Assets per employee ($millions)5.5354%1,907
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7785%821
Loan loss allowance to noncurrent loans100.3893%3,456
Noncurrent assets plus other real estate owned to assets1.0312%1,523
Noncurrent loans to loans1.7716%962
Net loans and leases to total assets57.1738%4,016
Net loans and leases to deposits63.8552%4,219
Net loans and leases to core deposits70.4734%4,061
Total domestic deposits to total assets89.5366%870
Equity capital to assets10.3129%3,264
Core capital (leverage) ratio10.7435%2,696
Tier 1 risk-based capital ratio17.6703%1,925
Total risk-based capital ratio18.9254%1,877
Memoranda:
Average total assets$198,736,5002,944
Average earning assets$188,594,0002,897
Average equity$20,696,0003,087
Average total loans$113,300,5003,138
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7789%4,111
Cost of funding earning assets0.4653%2,640
Net interest margin3.3136%4,114
Noninterest income to average assets0.3024%4,290
Noninterest expense to average assets2.3560%4,194
Loan and lease loss provision to assets0.1597%1,403
Net operating income to assets0.6070%3,976
Return on assets (ROA)0.6070%4,014
Pretax return on assets0.9184%3,847
Return on Equity (ROE)5.5037%3,963
Retained earnings to average equity (ytd only)4.2968%2,580
Net charge-offs to loans0.1994%1,291
Credit loss provision to net charge-offs144.9275%1,834
Earnings coverage of net charge-offs (x)9.7826%2,750
Efficiency ratio68.6047%2,777
Assets per employee ($millions)5.6628%1,775
Cash dividends to net income (ytd only)*21.9298%3,614
Condition Ratios (%)
Loss allowance to loans1.8498%709
Loan loss allowance to noncurrent loans98.4127%3,557
Noncurrent assets plus other real estate owned to assets1.0490%1,458
Noncurrent loans to loans1.8797%837
Net loans and leases to total assets54.7730%4,290
Net loans and leases to deposits61.2988%4,492
Net loans and leases to core deposits67.6473%4,321
Total domestic deposits to total assets89.3541%846
Equity capital to assets10.5152%3,154
Core capital (leverage) ratio10.8438%2,479
Tier 1 risk-based capital ratio18.0335%1,794
Total risk-based capital ratio19.2895%1,741
Memoranda:
Average total assets$187,822,0003,043
Average earning assets$177,510,2002,990
Average equity$20,713,2003,062
Average total loans$103,804,8003,287
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7718%4,096
Cost of funding earning assets0.4332%2,869
Net interest margin3.3386%4,051
Noninterest income to average assets0.3081%4,325
Noninterest expense to average assets2.3322%4,208
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.8760%3,146
Return on assets (ROA)0.8760%3,190
Pretax return on assets1.1323%3,175
Return on Equity (ROE)7.8459%3,208
Retained earnings to average equity (ytd only)7.8459%1,283
Net charge-offs to loans0.0170%3,171
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)121.0202%623
Efficiency ratio67.3177%2,996
Assets per employee ($millions)5.3428%2,074
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.7842%877
Loan loss allowance to noncurrent loans144.9925%2,858
Noncurrent assets plus other real estate owned to assets0.6956%2,422
Noncurrent loans to loans1.2305%1,545
Net loans and leases to total assets55.5222%4,273
Net loans and leases to deposits62.7196%4,456
Net loans and leases to core deposits69.4672%4,272
Total domestic deposits to total assets88.5245%1,108
Equity capital to assets11.2051%2,665
Core capital (leverage) ratio11.3526%2,138
Tier 1 risk-based capital ratio18.5016%1,728
Total risk-based capital ratio19.7565%1,682
Memoranda:
Average total assets$185,228,0003,092
Average earning assets$175,117,7503,039
Average equity$20,681,2503,086
Average total loans$102,104,7503,345
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7591%4,037
Cost of funding earning assets0.3934%3,137
Net interest margin3.3657%3,893
Noninterest income to average assets0.3095%4,323
Noninterest expense to average assets2.3538%4,198
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.8783%3,026
Return on assets (ROA)0.8783%3,084
Pretax return on assets1.1375%3,018
Return on Equity (ROE)7.8760%3,106
Retained earnings to average equity (ytd only)7.8760%1,219
Net charge-offs to loans0.0581%2,099
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)35.8621%1,345
Efficiency ratio67.4185%3,111
Assets per employee ($millions)4.7219%2,763
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.8501%795
Loan loss allowance to noncurrent loans149.4949%2,790
Noncurrent assets plus other real estate owned to assets0.6989%2,465
Noncurrent loans to loans1.2376%1,567
Net loans and leases to total assets55.4253%4,276
Net loans and leases to deposits64.3404%4,349
Net loans and leases to core deposits71.9135%4,098
Total domestic deposits to total assets86.1438%2,316
Equity capital to assets11.5049%2,314
Core capital (leverage) ratio11.4707%1,990
Tier 1 risk-based capital ratio18.7268%1,658
Total risk-based capital ratio19.9820%1,623
Memoranda:
Average total assets$182,857,0003,122
Average earning assets$172,859,6703,073
Average equity$20,391,0003,115
Average total loans$99,895,6703,402
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7378%3,982
Cost of funding earning assets0.3582%3,440
Net interest margin3.3796%3,715
Noninterest income to average assets0.3030%4,392
Noninterest expense to average assets2.3380%4,301
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.8891%2,819
Return on assets (ROA)0.8891%2,864
Pretax return on assets1.1547%2,760
Return on Equity (ROE)8.1028%2,869
Retained earnings to average equity (ytd only)8.1028%1,417
Net charge-offs to loans0.0245%2,269
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)87.6667%610
Efficiency ratio66.9390%3,350
Assets per employee ($millions)5.0692%2,349
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.9664%711
Loan loss allowance to noncurrent loans151.1646%2,805
Noncurrent assets plus other real estate owned to assets0.7058%2,528
Noncurrent loans to loans1.3008%1,556
Net loans and leases to total assets53.1906%4,407
Net loans and leases to deposits60.0397%4,563
Net loans and leases to core deposits67.3172%4,331
Total domestic deposits to total assets88.5923%1,380
Equity capital to assets11.1397%2,494
Core capital (leverage) ratio11.2475%2,151
Tier 1 risk-based capital ratio18.8937%1,637
Total risk-based capital ratio20.1496%1,598
Memoranda:
Average total assets$182,207,5003,160
Average earning assets$171,975,0003,109
Average equity$19,993,0003,176
Average total loans$97,847,0003,456
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8513%3,736
Cost of funding earning assets0.3471%3,546
Net interest margin3.5042%3,413
Noninterest income to average assets0.3023%4,582
Noninterest expense to average assets2.2984%4,562
Loan and lease loss provision to assets0.1596%1,549
Net operating income to assets0.9991%2,356
Return on assets (ROA)1.0100%2,407
Pretax return on assets1.1718%2,797
Return on Equity (ROE)9.5506%2,166
Retained earnings to average equity (ytd only)8.2926%763
Net charge-offs to loans-0.0088%4,912
Credit loss provision to net charge-offs-3,750.0000%5,438
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5427%4,025
Assets per employee ($millions)5.0534%2,330
Cash dividends to net income (ytd only)*13.1718%3,941
Condition Ratios (%)
Loss allowance to loans2.0201%633
Loan loss allowance to noncurrent loans107.0724%3,483
Noncurrent assets plus other real estate owned to assets1.0026%1,890
Noncurrent loans to loans1.8867%982
Net loans and leases to total assets52.0690%4,602
Net loans and leases to deposits58.5014%4,758
Net loans and leases to core deposits65.1387%4,570
Total domestic deposits to total assets89.0047%1,118
Equity capital to assets10.8051%2,810
Core capital (leverage) ratio10.9049%2,437
Tier 1 risk-based capital ratio19.1761%1,549
Total risk-based capital ratio20.4336%1,511
Memoranda:
Average total assets$187,914,0003,081
Average earning assets$177,758,6003,037
Average equity$19,873,2003,181
Average total loans$90,567,2003,564
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9047%3,570
Cost of funding earning assets0.3463%3,571
Net interest margin3.5585%3,239
Noninterest income to average assets0.2935%4,668
Noninterest expense to average assets2.2793%4,583
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.1472%1,819
Return on assets (ROA)1.1945%1,754
Pretax return on assets1.4423%1,910
Return on Equity (ROE)11.3544%1,538
Retained earnings to average equity (ytd only)9.6817%643
Net charge-offs to loans-0.0195%4,997
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1975%4,193
Assets per employee ($millions)5.0787%2,282
Cash dividends to net income (ytd only)*14.7321%3,423
Condition Ratios (%)
Loss allowance to loans1.7768%1,054
Loan loss allowance to noncurrent loans473.7143%1,114
Noncurrent assets plus other real estate owned to assets0.1863%4,691
Noncurrent loans to loans0.3751%3,921
Net loans and leases to total assets48.7773%4,904
Net loans and leases to deposits57.6121%4,900
Net loans and leases to core deposits63.9271%4,729
Total domestic deposits to total assets84.6651%2,963
Equity capital to assets11.1281%2,890
Core capital (leverage) ratio10.6652%2,815
Tier 1 risk-based capital ratio18.8606%1,704
Total risk-based capital ratio20.1136%1,666
Memoranda:
Average total assets$189,411,5003,078
Average earning assets$179,436,0003,027
Average equity$19,927,2503,199
Average total loans$89,039,2503,617
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0593%3,026
Cost of funding earning assets0.3436%3,633
Net interest margin3.7156%2,633
Noninterest income to average assets0.2949%4,669
Noninterest expense to average assets2.2684%4,688
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.3016%1,269
Return on assets (ROA)1.3733%1,182
Pretax return on assets1.6302%1,278
Return on Equity (ROE)13.3066%957
Retained earnings to average equity (ytd only)10.7555%469
Net charge-offs to loans-0.0753%5,525
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4863%4,714
Assets per employee ($millions)5.0099%2,286
Cash dividends to net income (ytd only)*19.1718%3,225
Condition Ratios (%)
Loss allowance to loans1.8698%944
Loan loss allowance to noncurrent loans7,295.6522%106
Noncurrent assets plus other real estate owned to assets0.0121%5,568
Noncurrent loans to loans0.0256%5,367
Net loans and leases to total assets46.2571%5,113
Net loans and leases to deposits53.6244%5,154
Net loans and leases to core deposits59.1886%5,012
Total domestic deposits to total assets86.2613%2,290
Equity capital to assets10.8544%3,230
Core capital (leverage) ratio10.4609%3,014
Tier 1 risk-based capital ratio19.2799%1,634
Total risk-based capital ratio20.5343%1,593
Memoranda:
Average total assets$189,911,6703,089
Average earning assets$179,835,6703,047
Average equity$19,599,3303,240
Average total loans$87,613,6703,656
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5690%4,712
Cost of funding earning assets0.3388%3,732
Net interest margin3.2302%4,471
Noninterest income to average assets0.3016%4,570
Noninterest expense to average assets2.3092%4,635
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.7935%3,279
Return on assets (ROA)1.0692%2,134
Pretax return on assets1.4108%1,872
Return on Equity (ROE)10.6362%1,732
Retained earnings to average equity (ytd only)5.3915%2,720
Net charge-offs to loans-0.0231%4,931
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7814%3,332
Assets per employee ($millions)5.0791%2,259
Cash dividends to net income (ytd only)*49.3097%1,775
Condition Ratios (%)
Loss allowance to loans1.8841%992
Loan loss allowance to noncurrent loans217.3913%2,108
Noncurrent assets plus other real estate owned to assets0.4039%3,978
Noncurrent loans to loans0.8667%2,676
Net loans and leases to total assets45.7236%5,137
Net loans and leases to deposits51.0974%5,272
Net loans and leases to core deposits56.2563%5,124
Total domestic deposits to total assets89.4832%847
Equity capital to assets10.2721%3,772
Core capital (leverage) ratio9.9408%3,606
Tier 1 risk-based capital ratio18.6441%1,811
Total risk-based capital ratio19.8987%1,770
Memoranda:
Average total assets$189,680,0003,095
Average earning assets$179,434,0003,055
Average equity$19,067,0003,295
Average total loans$86,550,5003,692
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5230%4,856
Cost of funding earning assets0.3475%3,727
Net interest margin3.1755%4,697
Noninterest income to average assets0.2692%4,943
Noninterest expense to average assets2.2415%4,943
Loan and lease loss provision to assets0.1077%2,195
Net operating income to assets0.7884%3,385
Return on assets (ROA)0.8470%3,197
Pretax return on assets1.0537%3,252
Return on Equity (ROE)8.6587%2,644
Retained earnings to average equity (ytd only)4.2550%2,958
Net charge-offs to loans0.3382%878
Credit loss provision to net charge-offs71.4286%3,096
Earnings coverage of net charge-offs (x)7.2179%3,104
Efficiency ratio67.3189%3,691
Assets per employee ($millions)5.1739%2,152
Cash dividends to net income (ytd only)*50.8582%2,262
Condition Ratios (%)
Loss allowance to loans1.9234%915
Loan loss allowance to noncurrent loans214.1927%2,153
Noncurrent assets plus other real estate owned to assets0.4069%3,970
Noncurrent loans to loans0.8980%2,544
Net loans and leases to total assets43.8164%5,285
Net loans and leases to deposits50.9135%5,342
Net loans and leases to core deposits56.1488%5,195
Total domestic deposits to total assets86.0604%2,612
Equity capital to assets9.8363%4,152
Core capital (leverage) ratio9.7353%3,858
Tier 1 risk-based capital ratio18.3258%1,875
Total risk-based capital ratio19.5801%1,829
Memoranda:
Average total assets$185,721,6003,108
Average earning assets$178,994,4003,010
Average equity$18,166,8003,362
Average total loans$82,791,0003,750
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5086%4,960
Cost of funding earning assets0.3524%3,734
Net interest margin3.1562%4,804
Noninterest income to average assets0.2778%4,957
Noninterest expense to average assets2.2543%4,897
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.8505%3,171
Return on assets (ROA)0.9282%2,902
Pretax return on assets1.1800%2,891
Return on Equity (ROE)9.5029%2,314
Retained earnings to average equity (ytd only)3.5775%3,922
Net charge-offs to loans0.1137%1,989
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)21.3573%1,829
Efficiency ratio67.5775%3,617
Assets per employee ($millions)4.9340%2,378
Cash dividends to net income (ytd only)*62.3540%1,317
Condition Ratios (%)
Loss allowance to loans1.9235%1,025
Loan loss allowance to noncurrent loans619.8502%847
Noncurrent assets plus other real estate owned to assets0.1483%5,169
Noncurrent loans to loans0.3103%4,490
Net loans and leases to total assets45.0070%5,292
Net loans and leases to deposits50.9771%5,421
Net loans and leases to core deposits56.2489%5,297
Total domestic deposits to total assets88.2885%1,403
Equity capital to assets9.8570%4,335
Core capital (leverage) ratio9.7761%3,929
Tier 1 risk-based capital ratio18.7007%1,852
Total risk-based capital ratio19.9559%1,810
Memoranda:
Average total assets$184,293,7503,148
Average earning assets$178,565,0003,039
Average equity$18,001,0003,414
Average total loans$82,107,7503,802
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4790%5,043
Cost of funding earning assets0.3619%3,672
Net interest margin3.1171%4,925
Noninterest income to average assets0.2478%5,176
Noninterest expense to average assets2.2398%5,009
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8022%3,373
Return on assets (ROA)0.9256%2,881
Pretax return on assets1.1843%2,840
Return on Equity (ROE)9.5062%2,300
Retained earnings to average equity (ytd only)0.5381%5,338
Net charge-offs to loans-0.0322%5,359
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5829%3,576
Assets per employee ($millions)4.6947%2,689
Cash dividends to net income (ytd only)*94.3396%620
Condition Ratios (%)
Loss allowance to loans2.1372%807
Loan loss allowance to noncurrent loans258.6310%1,819
Noncurrent assets plus other real estate owned to assets0.3730%4,401
Noncurrent loans to loans0.8264%3,058
Net loans and leases to total assets43.4661%5,407
Net loans and leases to deposits48.1912%5,586
Net loans and leases to core deposits52.0542%5,534
Total domestic deposits to total assets90.1951%579
Equity capital to assets9.5427%4,600
Core capital (leverage) ratio9.5415%4,226
Tier 1 risk-based capital ratio18.8497%1,824
Total risk-based capital ratio20.1066%1,793
Memoranda:
Average total assets$183,228,0003,184
Average earning assets$177,409,6703,073
Average equity$17,841,0003,445
Average total loans$80,797,3303,852
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4773%5,022
Cost of funding earning assets0.3671%3,677
Net interest margin3.1102%4,919
Noninterest income to average assets0.2379%5,264
Noninterest expense to average assets2.2434%5,029
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7987%3,267
Return on assets (ROA)0.7987%3,392
Pretax return on assets1.0082%3,462
Return on Equity (ROE)8.1218%2,900
Retained earnings to average equity (ytd only)-9.6308%6,125
Net charge-offs to loans-0.0199%5,049
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9933%3,663
Assets per employee ($millions)4.7849%2,644
Cash dividends to net income (ytd only)*218.5792%196
Condition Ratios (%)
Loss allowance to loans2.1277%889
Loan loss allowance to noncurrent loans240.8078%1,911
Noncurrent assets plus other real estate owned to assets0.4009%4,421
Noncurrent loans to loans0.8836%3,036
Net loans and leases to total assets43.7413%5,368
Net loans and leases to deposits48.6506%5,537
Net loans and leases to core deposits51.0776%5,537
Total domestic deposits to total assets89.9090%786
Equity capital to assets9.8363%4,340
Core capital (leverage) ratio9.3138%4,548
Tier 1 risk-based capital ratio19.0296%1,858
Total risk-based capital ratio20.2877%1,817
Memoranda:
Average total assets$183,296,0003,200
Average earning assets$177,609,5003,089
Average equity$18,025,5003,440
Average total loans$80,535,5003,873
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5882%5,113
Cost of funding earning assets0.4162%3,521
Net interest margin3.1720%5,011
Noninterest income to average assets0.2408%5,400
Noninterest expense to average assets2.2563%5,223
Loan and lease loss provision to assets0.1125%2,292
Net operating income to assets0.7274%3,756
Return on assets (ROA)0.9467%2,734
Pretax return on assets1.2145%2,596
Return on Equity (ROE)9.7251%2,245
Retained earnings to average equity (ytd only)7.9915%1,020
Net charge-offs to loans0.1621%2,407
Credit loss provision to net charge-offs157.4803%1,536
Earnings coverage of net charge-offs (x)14.6378%2,144
Efficiency ratio68.3305%3,843
Assets per employee ($millions)4.8623%2,521
Cash dividends to net income (ytd only)*17.8253%3,894
Condition Ratios (%)
Loss allowance to loans2.1614%871
Loan loss allowance to noncurrent loans228.4768%2,030
Noncurrent assets plus other real estate owned to assets0.4335%4,373
Noncurrent loans to loans0.9460%2,962
Net loans and leases to total assets42.2610%5,596
Net loans and leases to deposits46.9853%5,746
Net loans and leases to core deposits50.0978%5,711
Total domestic deposits to total assets89.9451%755
Equity capital to assets9.8319%4,309
Core capital (leverage) ratio9.7673%3,875
Tier 1 risk-based capital ratio21.1262%1,379
Total risk-based capital ratio22.3862%1,349
Memoranda:
Average total assets$177,766,8003,231
Average earning assets$171,561,2003,136
Average equity$17,305,8003,487
Average total loans$78,330,6003,926
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6679%4,949
Cost of funding earning assets0.4303%3,462
Net interest margin3.2376%4,829
Noninterest income to average assets0.2538%5,400
Noninterest expense to average assets2.2414%5,249
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.8948%2,936
Return on assets (ROA)0.9211%2,913
Pretax return on assets1.1635%2,936
Return on Equity (ROE)9.4864%2,455
Retained earnings to average equity (ytd only)9.4864%844
Net charge-offs to loans0.1573%2,237
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)16.2178%1,994
Efficiency ratio66.4794%4,140
Assets per employee ($millions)4.7143%2,647
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.0225%1,218
Loan loss allowance to noncurrent loans314.5161%1,458
Noncurrent assets plus other real estate owned to assets0.2964%5,079
Noncurrent loans to loans0.6430%4,009
Net loans and leases to total assets42.1861%5,654
Net loans and leases to deposits47.0874%5,814
Net loans and leases to core deposits50.4853%5,768
Total domestic deposits to total assets89.5909%937
Equity capital to assets10.1506%3,990
Core capital (leverage) ratio9.9335%3,765
Tier 1 risk-based capital ratio20.9526%1,462
Total risk-based capital ratio22.2104%1,435
Memoranda:
Average total assets$176,017,0003,278
Average earning assets$169,504,0003,191
Average equity$17,090,7503,535
Average total loans$77,961,0003,964
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7196%4,799
Cost of funding earning assets0.4398%3,443
Net interest margin3.2797%4,669
Noninterest income to average assets0.2538%5,376
Noninterest expense to average assets2.2186%5,366
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.9301%2,657
Return on assets (ROA)0.9693%2,545
Pretax return on assets1.2390%2,505
Return on Equity (ROE)10.1397%2,089
Retained earnings to average equity (ytd only)10.1397%691
Net charge-offs to loans0.1943%1,864
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)13.6842%1,961
Efficiency ratio65.1124%4,509
Assets per employee ($millions)4.8256%2,436
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.0468%1,283
Loan loss allowance to noncurrent loans312.0792%1,461
Noncurrent assets plus other real estate owned to assets0.2828%5,234
Noncurrent loans to loans0.6559%4,065
Net loans and leases to total assets42.2415%5,664
Net loans and leases to deposits47.0206%5,825
Net loans and leases to core deposits50.4917%5,766
Total domestic deposits to total assets89.8363%887
Equity capital to assets9.9022%4,244
Core capital (leverage) ratio9.5716%4,221
Tier 1 risk-based capital ratio20.4612%1,576
Total risk-based capital ratio21.7193%1,543
Memoranda:
Average total assets$174,975,3303,307
Average earning assets$168,245,6703,216
Average equity$16,726,3303,577
Average total loans$78,237,0003,969
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7441%4,693
Cost of funding earning assets0.4347%3,601
Net interest margin3.3094%4,494
Noninterest income to average assets0.2541%5,333
Noninterest expense to average assets2.2242%5,401
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9446%2,433
Return on assets (ROA)0.9446%2,503
Pretax return on assets1.2125%2,433
Return on Equity (ROE)10.0680%2,011
Retained earnings to average equity (ytd only)10.0680%943
Net charge-offs to loans0.3855%949
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)6.9079%2,181
Efficiency ratio64.7177%4,739
Assets per employee ($millions)5.1627%2,049
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0199%1,481
Loan loss allowance to noncurrent loans200.2541%2,088
Noncurrent assets plus other real estate owned to assets0.4355%4,834
Noncurrent loans to loans1.0087%3,403
Net loans and leases to total assets42.3071%5,639
Net loans and leases to deposits46.7683%5,802
Net loans and leases to core deposits50.6785%5,714
Total domestic deposits to total assets90.4612%823
Equity capital to assets9.2522%4,810
Core capital (leverage) ratio9.4721%4,322
Tier 1 risk-based capital ratio19.9967%1,719
Total risk-based capital ratio21.2549%1,684
Memoranda:
Average total assets$173,189,5003,361
Average earning assets$166,555,5003,260
Average equity$16,249,5003,659
Average total loans$78,857,0003,973
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7990%4,824
Cost of funding earning assets0.5439%3,165
Net interest margin3.2551%4,823
Noninterest income to average assets0.3656%4,698
Noninterest expense to average assets2.2460%5,514
Loan and lease loss provision to assets0.0598%3,943
Net operating income to assets0.8990%2,788
Return on assets (ROA)0.9022%2,850
Pretax return on assets1.1792%2,658
Return on Equity (ROE)9.6216%2,275
Retained earnings to average equity (ytd only)8.9836%769
Net charge-offs to loans-0.0472%6,320
Credit loss provision to net charge-offs-270.2703%6,037
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5239%4,815
Assets per employee ($millions)4.6024%2,715
Cash dividends to net income (ytd only)*6.6313%4,120
Condition Ratios (%)
Loss allowance to loans2.0730%1,388
Loan loss allowance to noncurrent loans149.0975%2,681
Noncurrent assets plus other real estate owned to assets0.6687%4,232
Noncurrent loans to loans1.3904%2,811
Net loans and leases to total assets47.1011%5,381
Net loans and leases to deposits52.1867%5,605
Net loans and leases to core deposits55.2417%5,596
Total domestic deposits to total assets90.2551%936
Equity capital to assets9.5246%4,395
Core capital (leverage) ratio9.7163%3,966
Tier 1 risk-based capital ratio19.2368%1,854
Total risk-based capital ratio20.4951%1,816
Memoranda:
Average total assets$167,141,8003,456
Average earning assets$159,964,6003,342
Average equity$15,673,0003,752
Average total loans$78,429,8003,992
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7726%4,952
Cost of funding earning assets0.5793%3,003
Net interest margin3.1934%5,023
Noninterest income to average assets0.4107%4,444
Noninterest expense to average assets2.2446%5,496
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.9255%2,711
Return on assets (ROA)0.9297%2,800
Pretax return on assets1.2258%2,599
Return on Equity (ROE)9.9533%2,200
Retained earnings to average equity (ytd only)9.9533%797
Net charge-offs to loans-0.0683%6,398
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7829%4,681
Assets per employee ($millions)4.4277%2,996
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9706%1,796
Loan loss allowance to noncurrent loans164.2027%2,368
Noncurrent assets plus other real estate owned to assets0.7045%4,346
Noncurrent loans to loans1.2001%3,419
Net loans and leases to total assets48.5301%5,296
Net loans and leases to deposits54.0433%5,536
Net loans and leases to core deposits56.2851%5,599
Total domestic deposits to total assets89.7985%1,106
Equity capital to assets9.8125%4,159
Core capital (leverage) ratio9.6368%4,192
Tier 1 risk-based capital ratio19.0822%1,964
Total risk-based capital ratio20.3395%1,928
Memoranda:
Average total assets$167,505,7503,488
Average earning assets$160,202,0003,365
Average equity$15,646,0003,803
Average total loans$78,114,2504,026
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6758%5,216
Cost of funding earning assets0.6130%2,818
Net interest margin3.0627%5,386
Noninterest income to average assets0.4489%4,167
Noninterest expense to average assets2.2020%5,623
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.8977%2,809
Return on assets (ROA)0.8977%2,954
Pretax return on assets1.1821%2,754
Return on Equity (ROE)9.7650%2,291
Retained earnings to average equity (ytd only)9.7650%897
Net charge-offs to loans-0.1053%6,513
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0694%4,697
Assets per employee ($millions)4.8251%2,334
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.9694%1,915
Loan loss allowance to noncurrent loans346.5479%1,220
Noncurrent assets plus other real estate owned to assets0.3701%5,370
Noncurrent loans to loans0.5683%4,838
Net loans and leases to total assets45.8618%5,549
Net loans and leases to deposits52.6967%5,626
Net loans and leases to core deposits54.7268%5,693
Total domestic deposits to total assets87.0298%2,802
Equity capital to assets8.8152%5,428
Core capital (leverage) ratio9.2627%4,606
Tier 1 risk-based capital ratio18.2519%2,226
Total risk-based capital ratio19.5087%2,188
Memoranda:
Average total assets$170,208,3303,459
Average earning assets$163,121,6703,345
Average equity$15,647,6703,828
Average total loans$77,848,6704,047
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7070%5,135
Cost of funding earning assets0.6345%2,796
Net interest margin3.0725%5,361
Noninterest income to average assets0.5571%3,387
Noninterest expense to average assets2.1911%5,710
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.9832%2,302
Return on assets (ROA)0.9832%2,427
Pretax return on assets1.3133%2,182
Return on Equity (ROE)10.4817%1,882
Retained earnings to average equity (ytd only)10.4817%986
Net charge-offs to loans-0.0052%5,276
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5251%5,233
Assets per employee ($millions)4.6987%2,655
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.9310%2,221
Loan loss allowance to noncurrent loans327.4298%1,221
Noncurrent assets plus other real estate owned to assets0.2737%5,746
Noncurrent loans to loans0.5898%4,961
Net loans and leases to total assets45.5156%5,488
Net loans and leases to deposits50.7883%5,727
Net loans and leases to core deposits52.5870%5,780
Total domestic deposits to total assets89.6183%1,285
Equity capital to assets9.5145%4,830
Core capital (leverage) ratio9.0011%4,886
Tier 1 risk-based capital ratio18.3658%2,238
Total risk-based capital ratio19.6229%2,203
Memoranda:
Average total assets$170,873,0003,480
Average earning assets$163,906,0003,373
Average equity$16,028,0003,818
Average total loans$77,269,5004,087
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0079%5,274
Cost of funding earning assets0.7845%2,787
Net interest margin3.2234%5,510
Noninterest income to average assets0.3748%4,797
Noninterest expense to average assets2.3533%5,552
Loan and lease loss provision to assets0.1203%4,119
Net operating income to assets0.7356%3,579
Return on assets (ROA)0.8687%3,206
Pretax return on assets1.1658%2,920
Return on Equity (ROE)9.1877%2,541
Retained earnings to average equity (ytd only)6.9608%1,588
Net charge-offs to loans0.0433%5,308
Credit loss provision to net charge-offs625.0000%390
Earnings coverage of net charge-offs (x)57.5938%615
Efficiency ratio67.9757%4,146
Assets per employee ($millions)4.9312%2,315
Cash dividends to net income (ytd only)*24.2382%3,602
Condition Ratios (%)
Loss allowance to loans1.9926%2,033
Loan loss allowance to noncurrent loans203.6290%1,819
Noncurrent assets plus other real estate owned to assets0.4311%5,414
Noncurrent loans to loans0.9785%4,233
Net loans and leases to total assets43.1750%5,889
Net loans and leases to deposits51.7041%5,825
Net loans and leases to core deposits53.3354%5,922
Total domestic deposits to total assets83.5040%4,532
Equity capital to assets9.2483%5,211
Core capital (leverage) ratio8.6758%5,361
Tier 1 risk-based capital ratio17.7877%2,343
Total risk-based capital ratio19.0441%2,308
Memoranda:
Average total assets$166,233,8003,516
Average earning assets$159,209,8003,388
Average equity$15,716,6003,823
Average total loans$73,960,6004,209
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0544%5,347
Cost of funding earning assets0.8105%2,860
Net interest margin3.2439%5,569
Noninterest income to average assets0.3199%5,229
Noninterest expense to average assets2.3347%5,587
Loan and lease loss provision to assets0.1620%3,486
Net operating income to assets0.6941%3,937
Return on assets (ROA)0.8535%3,446
Pretax return on assets1.1499%3,160
Return on Equity (ROE)8.9765%2,814
Retained earnings to average equity (ytd only)8.9765%1,239
Net charge-offs to loans0.0799%4,596
Credit loss provision to net charge-offs454.5455%588
Earnings coverage of net charge-offs (x)30.7702%1,074
Efficiency ratio68.0434%4,053
Assets per employee ($millions)4.8957%2,327
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0545%2,023
Loan loss allowance to noncurrent loans293.5547%1,272
Noncurrent assets plus other real estate owned to assets0.5422%5,321
Noncurrent loans to loans0.6999%5,034
Net loans and leases to total assets41.8159%6,145
Net loans and leases to deposits52.2431%5,960
Net loans and leases to core deposits54.1056%6,040
Total domestic deposits to total assets80.0410%5,640
Equity capital to assets9.5459%5,147
Core capital (leverage) ratio9.1072%4,905
Tier 1 risk-based capital ratio18.2952%2,234
Total risk-based capital ratio19.5504%2,204
Memoranda:
Average total assets$164,644,0003,573
Average earning assets$157,914,7503,449
Average equity$15,655,2503,871
Average total loans$73,442,7504,278
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1122%5,277
Cost of funding earning assets0.8417%2,867
Net interest margin3.2705%5,531
Noninterest income to average assets0.3214%5,253
Noninterest expense to average assets2.3262%5,669
Loan and lease loss provision to assets0.2463%2,597
Net operating income to assets0.6526%4,095
Return on assets (ROA)0.8522%3,403
Pretax return on assets1.1576%3,088
Return on Equity (ROE)8.9746%2,826
Retained earnings to average equity (ytd only)8.9746%1,288
Net charge-offs to loans0.1632%3,629
Credit loss provision to net charge-offs333.3333%881
Earnings coverage of net charge-offs (x)15.3500%1,649
Efficiency ratio67.2242%4,285
Assets per employee ($millions)4.6267%2,671
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.0533%2,106
Loan loss allowance to noncurrent loans386.2338%939
Noncurrent assets plus other real estate owned to assets0.4953%5,520
Noncurrent loans to loans0.5316%5,459
Net loans and leases to total assets43.8031%6,031
Net loans and leases to deposits50.7843%6,128
Net loans and leases to core deposits52.2407%6,216
Total domestic deposits to total assets86.2532%3,219
Equity capital to assets9.6730%4,790
Core capital (leverage) ratio8.9310%5,008
Tier 1 risk-based capital ratio18.3931%2,161
Total risk-based capital ratio19.6511%2,123
Memoranda:
Average total assets$162,408,3303,623
Average earning assets$155,878,3303,499
Average equity$15,421,3303,906
Average total loans$73,538,6704,295
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1705%5,207
Cost of funding earning assets0.8500%3,065
Net interest margin3.3206%5,403
Noninterest income to average assets0.3246%5,272
Noninterest expense to average assets2.3265%5,703
Loan and lease loss provision to assets0.1230%3,802
Net operating income to assets0.7784%3,485
Return on assets (ROA)0.8682%3,288
Pretax return on assets1.1879%2,955
Return on Equity (ROE)9.2288%2,718
Retained earnings to average equity (ytd only)9.2288%1,505
Net charge-offs to loans-0.1350%6,888
Credit loss provision to net charge-offs-200.0000%5,590
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2001%4,521
Assets per employee ($millions)4.6952%2,670
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9314%2,585
Loan loss allowance to noncurrent loans276.6537%1,217
Noncurrent assets plus other real estate owned to assets0.3688%5,962
Noncurrent loans to loans0.6981%5,268
Net loans and leases to total assets43.9373%6,020
Net loans and leases to deposits51.1846%6,053
Net loans and leases to core deposits52.4266%6,169
Total domestic deposits to total assets85.8409%3,621
Equity capital to assets9.4273%4,906
Core capital (leverage) ratio8.7411%5,226
Tier 1 risk-based capital ratio18.1671%2,231
Total risk-based capital ratio19.4239%2,205
Memoranda:
Average total assets$162,644,5003,642
Average earning assets$156,238,5003,508
Average equity$15,300,0003,935
Average total loans$74,098,0004,315
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4055%5,403
Cost of funding earning assets0.9913%3,439
Net interest margin3.4142%5,441
Noninterest income to average assets0.3429%5,075
Noninterest expense to average assets2.4182%5,724
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.8780%2,704
Return on assets (ROA)0.9524%2,527
Pretax return on assets1.3024%2,120
Return on Equity (ROE)10.0517%2,042
Retained earnings to average equity (ytd only)4.2592%3,155
Net charge-offs to loans0.0680%5,629
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)38.7292%693
Efficiency ratio66.8273%4,605
Assets per employee ($millions)4.5988%2,758
Cash dividends to net income (ytd only)*57.6271%1,673
Condition Ratios (%)
Loss allowance to loans1.8063%2,849
Loan loss allowance to noncurrent loans319.9525%1,045
Noncurrent assets plus other real estate owned to assets0.3187%6,180
Noncurrent loans to loans0.5646%5,586
Net loans and leases to total assets45.4929%6,056
Net loans and leases to deposits54.5572%6,018
Net loans and leases to core deposits55.8459%6,167
Total domestic deposits to total assets83.3856%4,596
Equity capital to assets9.3864%5,038
Core capital (leverage) ratio9.0735%4,661
Tier 1 risk-based capital ratio17.5332%2,369
Total risk-based capital ratio18.7885%2,335
Memoranda:
Average total assets$154,866,0003,720
Average earning assets$148,586,0003,592
Average equity$14,674,2003,975
Average total loans$70,552,0004,471
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4443%5,449
Cost of funding earning assets1.0469%3,337
Net interest margin3.3974%5,587
Noninterest income to average assets0.3443%5,108
Noninterest expense to average assets2.4720%5,557
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.8327%3,009
Return on assets (ROA)0.9408%2,731
Pretax return on assets1.2773%2,370
Return on Equity (ROE)9.9043%2,231
Retained earnings to average equity (ytd only)6.7005%2,135
Net charge-offs to loans-0.1112%7,187
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6052%4,196
Assets per employee ($millions)4.4243%3,041
Cash dividends to net income (ytd only)*32.3479%2,367
Condition Ratios (%)
Loss allowance to loans1.9835%2,379
Loan loss allowance to noncurrent loans285.4617%1,091
Noncurrent assets plus other real estate owned to assets0.3881%6,104
Noncurrent loans to loans0.6948%5,497
Net loans and leases to total assets46.3684%6,109
Net loans and leases to deposits55.3875%6,085
Net loans and leases to core deposits56.7404%6,249
Total domestic deposits to total assets83.7164%4,366
Equity capital to assets9.8948%4,486
Core capital (leverage) ratio9.1755%4,665
Tier 1 risk-based capital ratio18.0044%2,252
Total risk-based capital ratio19.2615%2,207
Memoranda:
Average total assets$153,343,2503,768
Average earning assets$147,090,7503,647
Average equity$14,565,7504,016
Average total loans$69,547,2504,545
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4056%5,674
Cost of funding earning assets1.1225%3,087
Net interest margin3.2830%5,911
Noninterest income to average assets0.3389%5,173
Noninterest expense to average assets2.3397%6,029
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.8627%2,811
Return on assets (ROA)0.8636%2,890
Pretax return on assets1.1502%2,667
Return on Equity (ROE)9.2220%2,425
Retained earnings to average equity (ytd only)8.5233%1,260
Net charge-offs to loans-0.1552%7,259
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0668%4,690
Assets per employee ($millions)4.6099%2,673
Cash dividends to net income (ytd only)*7.5758%3,183
Condition Ratios (%)
Loss allowance to loans2.0547%2,224
Loan loss allowance to noncurrent loans306.7797%1,029
Noncurrent assets plus other real estate owned to assets0.3598%6,235
Noncurrent loans to loans0.6698%5,568
Net loans and leases to total assets44.0393%6,436
Net loans and leases to deposits52.2774%6,447
Net loans and leases to core deposits53.9452%6,560
Total domestic deposits to total assets84.2416%4,236
Equity capital to assets9.5984%4,660
Core capital (leverage) ratio8.9196%4,847
Tier 1 risk-based capital ratio18.0240%2,164
Total risk-based capital ratio19.2820%2,121
Memoranda:
Average total assets$152,841,3303,806
Average earning assets$146,632,6703,675
Average equity$14,313,6704,059
Average total loans$68,311,6704,636
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3085%5,996
Cost of funding earning assets1.1884%2,893
Net interest margin3.1202%6,293
Noninterest income to average assets0.3420%5,179
Noninterest expense to average assets2.3619%6,015
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.7475%3,288
Return on assets (ROA)0.7475%3,352
Pretax return on assets0.9729%3,243
Return on Equity (ROE)8.0869%2,870
Retained earnings to average equity (ytd only)6.6530%2,303
Net charge-offs to loans-0.0357%6,767
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8267%4,094
Assets per employee ($millions)4.6372%2,679
Cash dividends to net income (ytd only)*17.7305%2,252
Condition Ratios (%)
Loss allowance to loans2.0412%2,308
Loan loss allowance to noncurrent loans156.5363%1,874
Noncurrent assets plus other real estate owned to assets0.7129%5,513
Noncurrent loans to loans1.3040%4,520
Net loans and leases to total assets43.9367%6,477
Net loans and leases to deposits51.6279%6,505
Net loans and leases to core deposits53.2909%6,602
Total domestic deposits to total assets85.1026%3,986
Equity capital to assets9.3075%4,713
Core capital (leverage) ratio8.7519%4,995
Tier 1 risk-based capital ratio17.8737%2,157
Total risk-based capital ratio19.1309%2,127
Memoranda:
Average total assets$150,894,5003,865
Average earning assets$144,736,0003,736
Average equity$13,948,5004,120
Average total loans$67,231,0004,718
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6679%5,903
Cost of funding earning assets1.3418%3,635
Net interest margin3.3261%5,887
Noninterest income to average assets0.3907%4,970
Noninterest expense to average assets2.5643%5,564
Loan and lease loss provision to assets0.1779%5,443
Net operating income to assets0.6282%3,544
Return on assets (ROA)0.8374%2,784
Pretax return on assets1.0796%2,663
Return on Equity (ROE)8.9695%2,299
Retained earnings to average equity (ytd only)8.9695%709
Net charge-offs to loans0.5562%3,394
Credit loss provision to net charge-offs71.2329%5,829
Earnings coverage of net charge-offs (x)3.9616%3,120
Efficiency ratio72.1602%3,764
Assets per employee ($millions)4.3754%3,075
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.1192%2,028
Loan loss allowance to noncurrent loans148.4043%2,006
Noncurrent assets plus other real estate owned to assets0.7704%5,475
Noncurrent loans to loans1.4280%4,348
Net loans and leases to total assets43.3115%6,765
Net loans and leases to deposits50.8994%6,809
Net loans and leases to core deposits52.2051%6,899
Total domestic deposits to total assets85.0923%3,801
Equity capital to assets9.1784%4,871
Core capital (leverage) ratio8.9863%4,576
Tier 1 risk-based capital ratio17.9262%2,022
Total risk-based capital ratio19.1836%1,983
Memoranda:
Average total assets$146,161,8003,944
Average earning assets$138,991,2003,838
Average equity$13,646,2004,225
Average total loans$65,625,2004,840
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7482%5,861
Cost of funding earning assets1.4053%3,551
Net interest margin3.3429%5,870
Noninterest income to average assets0.4050%4,921
Noninterest expense to average assets2.5931%5,353
Loan and lease loss provision to assets0.0458%6,635
Net operating income to assets0.7306%3,281
Return on assets (ROA)0.8292%3,023
Pretax return on assets1.0638%2,956
Return on Equity (ROE)8.8436%2,544
Retained earnings to average equity (ytd only)8.8436%1,104
Net charge-offs to loans0.7381%2,576
Credit loss provision to net charge-offs13.7741%6,303
Earnings coverage of net charge-offs (x)2.9559%3,651
Efficiency ratio72.5083%3,608
Assets per employee ($millions)4.3270%3,209
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.8609%2,594
Loan loss allowance to noncurrent loans120.8758%2,352
Noncurrent assets plus other real estate owned to assets0.7871%5,533
Noncurrent loans to loans1.5395%4,329
Net loans and leases to total assets42.5502%6,947
Net loans and leases to deposits52.1980%6,886
Net loans and leases to core deposits53.7238%6,970
Total domestic deposits to total assets81.5169%5,196
Equity capital to assets9.6983%4,548
Core capital (leverage) ratio8.7950%5,024
Tier 1 risk-based capital ratio17.7228%2,100
Total risk-based capital ratio18.9772%2,068
Memoranda:
Average total assets$145,511,7504,015
Average earning assets$138,042,2503,904
Average equity$13,644,2504,288
Average total loans$65,575,0004,919
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7451%5,992
Cost of funding earning assets1.4688%3,437
Net interest margin3.2763%6,088
Noninterest income to average assets0.4042%4,880
Noninterest expense to average assets2.5839%5,388
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.7383%3,246
Return on assets (ROA)0.7615%3,299
Pretax return on assets0.9574%3,286
Return on Equity (ROE)8.2165%2,802
Retained earnings to average equity (ytd only)8.2165%1,369
Net charge-offs to loans0.5864%2,772
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)3.4691%3,313
Efficiency ratio73.5664%3,550
Assets per employee ($millions)4.2669%3,273
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0087%2,151
Loan loss allowance to noncurrent loans76.6882%3,538
Noncurrent assets plus other real estate owned to assets1.2545%4,641
Noncurrent loans to loans2.6193%3,022
Net loans and leases to total assets43.9163%6,928
Net loans and leases to deposits52.0923%6,972
Net loans and leases to core deposits53.7609%7,053
Total domestic deposits to total assets84.3048%3,958
Equity capital to assets9.6046%4,543
Core capital (leverage) ratio8.3973%5,586
Tier 1 risk-based capital ratio17.1162%2,229
Total risk-based capital ratio18.3727%2,187
Memoranda:
Average total assets$144,976,3304,050
Average earning assets$137,531,3303,943
Average equity$13,436,3304,341
Average total loans$66,171,3304,934
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9243%5,335
Cost of funding earning assets1.5140%3,465
Net interest margin3.4102%5,540
Noninterest income to average assets0.4057%4,871
Noninterest expense to average assets2.6331%5,219
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.7949%2,989
Return on assets (ROA)0.7949%3,098
Pretax return on assets0.9991%3,095
Return on Equity (ROE)8.7355%2,581
Retained earnings to average equity (ytd only)8.7355%1,471
Net charge-offs to loans0.6652%2,158
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)3.2613%2,962
Efficiency ratio72.4924%3,845
Assets per employee ($millions)4.4573%3,027
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.1233%1,906
Loan loss allowance to noncurrent loans84.2329%3,251
Noncurrent assets plus other real estate owned to assets1.2006%4,773
Noncurrent loans to loans2.5208%3,156
Net loans and leases to total assets43.5298%7,032
Net loans and leases to deposits51.2363%7,068
Net loans and leases to core deposits52.9157%7,160
Total domestic deposits to total assets84.9589%3,694
Equity capital to assets9.0944%5,145
Core capital (leverage) ratio8.2159%5,886
Tier 1 risk-based capital ratio16.6437%2,392
Total risk-based capital ratio17.9012%2,344
Memoranda:
Average total assets$144,926,5004,115
Average earning assets$137,116,5004,012
Average equity$13,187,5004,435
Average total loans$66,748,0004,981
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2557%5,385
Cost of funding earning assets2.0544%2,702
Net interest margin3.2014%6,090
Noninterest income to average assets0.4232%5,026
Noninterest expense to average assets2.6097%5,763
Loan and lease loss provision to assets0.2092%5,669
Net operating income to assets0.5094%3,688
Return on assets (ROA)0.8443%2,456
Pretax return on assets1.0737%2,328
Return on Equity (ROE)9.7189%1,774
Retained earnings to average equity (ytd only)8.9164%508
Net charge-offs to loans0.0781%6,327
Credit loss provision to net charge-offs576.9231%523
Earnings coverage of net charge-offs (x)23.6923%928
Efficiency ratio75.2362%3,664
Assets per employee ($millions)4.6053%2,757
Cash dividends to net income (ytd only)*8.2576%3,915
Condition Ratios (%)
Loss allowance to loans2.2033%1,649
Loan loss allowance to noncurrent loans107.0664%2,639
Noncurrent assets plus other real estate owned to assets1.0633%4,968
Noncurrent loans to loans2.0579%3,577
Net loans and leases to total assets46.6360%6,928
Net loans and leases to deposits55.0208%6,984
Net loans and leases to core deposits64.2921%7,073
Total domestic deposits to total assets84.7608%3,678
Equity capital to assets9.1046%4,981
Core capital (leverage) ratio8.3030%5,609
Tier 1 risk-based capital ratio16.0367%2,508
Total risk-based capital ratio17.2962%2,431
Memoranda:
Average total assets$143,425,6004,052
Average earning assets$136,441,4003,971
Average equity$12,460,2004,643
Average total loans$66,568,8004,999
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2696%5,571
Cost of funding earning assets2.2143%2,341
Net interest margin3.0554%6,444
Noninterest income to average assets0.4206%5,128
Noninterest expense to average assets2.6083%5,688
Loan and lease loss provision to assets0.0464%6,908
Net operating income to assets0.5259%3,878
Return on assets (ROA)0.8877%2,543
Pretax return on assets1.1467%2,424
Return on Equity (ROE)10.3412%1,803
Retained earnings to average equity (ytd only)9.8004%673
Net charge-offs to loans0.0222%6,586
Credit loss provision to net charge-offs454.5455%865
Earnings coverage of net charge-offs (x)70.8003%478
Efficiency ratio78.2887%3,119
Assets per employee ($millions)4.5289%2,819
Cash dividends to net income (ytd only)*5.2305%3,623
Condition Ratios (%)
Loss allowance to loans1.8663%2,113
Loan loss allowance to noncurrent loans113.9453%2,473
Noncurrent assets plus other real estate owned to assets0.8364%5,418
Noncurrent loans to loans1.6379%4,190
Net loans and leases to total assets45.4200%7,146
Net loans and leases to deposits57.4133%6,999
Net loans and leases to core deposits66.4851%7,138
Total domestic deposits to total assets79.1106%5,762
Equity capital to assets8.7532%5,877
Core capital (leverage) ratio8.1176%6,156
Tier 1 risk-based capital ratio15.5457%2,798
Total risk-based capital ratio16.8129%2,725
Memoranda:
Average total assets$143,591,2504,076
Average earning assets$136,805,2503,990
Average equity$12,325,7504,708
Average total loans$66,191,2505,056
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3800%5,241
Cost of funding earning assets2.4048%1,954
Net interest margin2.9752%6,623
Noninterest income to average assets0.4208%5,114
Noninterest expense to average assets2.6151%5,684
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.4822%4,163
Return on assets (ROA)1.0181%2,133
Pretax return on assets1.3485%1,880
Return on Equity (ROE)11.9433%1,430
Retained earnings to average equity (ytd only)11.1151%544
Net charge-offs to loans-0.0245%7,734
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4867%2,964
Assets per employee ($millions)4.2279%3,239
Cash dividends to net income (ytd only)*6.9348%3,449
Condition Ratios (%)
Loss allowance to loans1.8410%1,943
Loan loss allowance to noncurrent loans127.6596%2,306
Noncurrent assets plus other real estate owned to assets0.7680%5,477
Noncurrent loans to loans1.4421%4,334
Net loans and leases to total assets46.7346%7,144
Net loans and leases to deposits56.6646%7,116
Net loans and leases to core deposits64.4280%7,280
Total domestic deposits to total assets82.4758%4,494
Equity capital to assets8.4793%6,080
Core capital (leverage) ratio8.0400%6,254
Tier 1 risk-based capital ratio15.6567%2,746
Total risk-based capital ratio16.9114%2,677
Memoranda:
Average total assets$141,637,0004,145
Average earning assets$134,645,6704,056
Average equity$12,073,6704,795
Average total loans$65,197,3305,132
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4643%5,098
Cost of funding earning assets2.5088%1,888
Net interest margin2.9554%6,598
Noninterest income to average assets0.4097%5,137
Noninterest expense to average assets2.5779%5,538
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.4587%4,621
Return on assets (ROA)1.4625%1,084
Pretax return on assets2.0316%631
Return on Equity (ROE)17.1105%675
Retained earnings to average equity (ytd only)15.4461%373
Net charge-offs to loans-0.0629%7,765
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.1770%2,788
Assets per employee ($millions)4.1817%3,290
Cash dividends to net income (ytd only)*9.7276%2,721
Condition Ratios (%)
Loss allowance to loans1.9659%1,488
Loan loss allowance to noncurrent loans206.5466%1,614
Noncurrent assets plus other real estate owned to assets0.5120%5,933
Noncurrent loans to loans0.9518%5,094
Net loans and leases to total assets44.2628%7,315
Net loans and leases to deposits51.9112%7,406
Net loans and leases to core deposits57.6512%7,540
Total domestic deposits to total assets85.2664%3,080
Equity capital to assets8.4858%6,093
Core capital (leverage) ratio7.9181%6,589
Tier 1 risk-based capital ratio16.1708%2,627
Total risk-based capital ratio17.4278%2,567
Memoranda:
Average total assets$140,580,5004,178
Average earning assets$133,449,0004,081
Average equity$12,016,0004,829
Average total loans$63,575,5005,227
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9302%5,898
Cost of funding earning assets2.7330%3,008
Net interest margin3.1972%6,374
Noninterest income to average assets0.5843%3,979
Noninterest expense to average assets2.7565%5,021
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.6597%4,068
Return on assets (ROA)0.7599%3,459
Pretax return on assets0.9611%3,519
Return on Equity (ROE)9.1458%2,593
Retained earnings to average equity (ytd only)8.5870%680
Net charge-offs to loans0.0829%5,579
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)21.5600%1,526
Efficiency ratio76.7672%3,109
Assets per employee ($millions)4.0877%3,327
Cash dividends to net income (ytd only)*6.1100%4,768
Condition Ratios (%)
Loss allowance to loans1.9887%1,246
Loan loss allowance to noncurrent loans182.2416%2,111
Noncurrent assets plus other real estate owned to assets0.5785%5,448
Noncurrent loans to loans1.0912%4,374
Net loans and leases to total assets44.3975%7,444
Net loans and leases to deposits54.6188%7,402
Net loans and leases to core deposits60.6563%7,557
Total domestic deposits to total assets81.2862%4,520
Equity capital to assets8.6104%5,921
Core capital (leverage) ratio8.3353%5,879
Tier 1 risk-based capital ratio15.5194%2,842
Total risk-based capital ratio16.7756%2,770
Memoranda:
Average total assets$129,223,8004,300
Average earning assets$121,514,0004,223
Average equity$10,737,2005,203
Average total loans$60,349,4005,248