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First Security Bank, Performance and Condition Ratios

2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9762%2,822
Cost of funding earning assets1.9876%2,022
Net interest margin2.9887%3,014
Noninterest income to average assets0.3700%2,484
Noninterest expense to average assets1.4912%4,293
Loan and lease loss provision to assets0.0800%1,272
Net operating income to assets1.5027%895
Return on assets (ROA)1.5027%908
Pretax return on assets1.6420%1,029
Return on Equity (ROE)9.6600%2,224
Retained earnings to average equity (ytd only)6.3787%1,993
Net charge-offs to loans0.0347%1,205
Credit loss provision to net charge-offs440.3361%550
Earnings coverage of net charge-offs (x)94.4790%702
Efficiency ratio46.4049%4,167
Assets per employee ($millions)9.2416%940
Cash dividends to net income (ytd only)*33.9812%1,697
Condition Ratios (%)
Loss allowance to loans2.4700%210
Loan loss allowance to noncurrent loans2,059.8676%472
Noncurrent assets plus other real estate owned to assets0.0708%3,182
Noncurrent loans to loans0.1199%3,015
Net loans and leases to total assets50.6700%3,570
Net loans and leases to deposits65.0361%3,233
Net loans and leases to core deposits71.8503%3,230
Total domestic deposits to total assets77.9100%3,810
Equity capital to assets15.2080%540
Core capital (leverage) ratio17.3649%378
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.2735%469
Memoranda:
Average total assets$7,833,507,500200
Average earning assets$7,448,709,500187
Average equity$1,218,302,000154
Average total loans$4,111,867,000243
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6288%2,832
Cost of funding earning assets1.4194%2,175
Net interest margin3.2094%2,856
Noninterest income to average assets0.4600%2,177
Noninterest expense to average assets1.5842%4,258
Loan and lease loss provision to assets0.0800%1,564
Net operating income to assets1.6702%772
Return on assets (ROA)1.6829%731
Pretax return on assets1.8445%833
Return on Equity (ROE)11.3900%2,126
Retained earnings to average equity (ytd only)8.2662%1,467
Net charge-offs to loans0.0012%2,816
Credit loss provision to net charge-offs13,414.8936%40
Earnings coverage of net charge-offs (x)3,086.5957%43
Efficiency ratio45.2907%4,219
Assets per employee ($millions)8.9010%1,020
Cash dividends to net income (ytd only)*27.4336%2,651
Condition Ratios (%)
Loss allowance to loans2.4963%194
Loan loss allowance to noncurrent loans1,936.8321%545
Noncurrent assets plus other real estate owned to assets0.0684%3,108
Noncurrent loans to loans0.1289%2,870
Net loans and leases to total assets51.7300%3,495
Net loans and leases to deposits64.5353%3,262
Net loans and leases to core deposits70.7463%3,264
Total domestic deposits to total assets80.1500%3,436
Equity capital to assets15.9121%467
Core capital (leverage) ratio17.3736%380
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.0206%476
Memoranda:
Average total assets$7,580,866,000201
Average earning assets$7,186,182,600187
Average equity$1,120,001,000155
Average total loans$3,915,955,400242
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5200%2,866
Cost of funding earning assets1.2897%2,175
Net interest margin3.2303%2,851
Noninterest income to average assets0.4600%2,156
Noninterest expense to average assets1.5747%4,260
Loan and lease loss provision to assets0.0800%1,428
Net operating income to assets1.6941%802
Return on assets (ROA)1.7111%768
Pretax return on assets1.8785%893
Return on Equity (ROE)11.8100%2,176
Retained earnings to average equity (ytd only)8.1599%1,903
Net charge-offs to loans0.0063%2,213
Credit loss provision to net charge-offs2,563.0435%185
Earnings coverage of net charge-offs (x)598.7554%259
Efficiency ratio44.7648%4,199
Assets per employee ($millions)8.8027%1,002
Cash dividends to net income (ytd only)*30.9205%2,036
Condition Ratios (%)
Loss allowance to loans2.5262%188
Loan loss allowance to noncurrent loans2,427.9387%448
Noncurrent assets plus other real estate owned to assets0.0593%3,228
Noncurrent loans to loans0.1040%3,054
Net loans and leases to total assets51.0300%3,552
Net loans and leases to deposits62.4761%3,374
Net loans and leases to core deposits67.8744%3,335
Total domestic deposits to total assets81.6700%3,276
Equity capital to assets13.9932%654
Core capital (leverage) ratio17.3725%385
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.9470%495
Memoranda:
Average total assets$7,560,134,750201
Average earning assets$7,161,598,000188
Average equity$1,095,133,750158
Average total loans$3,878,523,750246
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4094%2,866
Cost of funding earning assets1.1500%2,133
Net interest margin3.2595%2,846
Noninterest income to average assets0.4600%2,088
Noninterest expense to average assets1.5501%4,295
Loan and lease loss provision to assets0.0800%1,369
Net operating income to assets1.7447%722
Return on assets (ROA)1.7701%690
Pretax return on assets1.9488%806
Return on Equity (ROE)12.0800%2,132
Retained earnings to average equity (ytd only)8.4742%1,824
Net charge-offs to loans0.0075%1,945
Credit loss provision to net charge-offs2,156.5517%242
Earnings coverage of net charge-offs (x)522.6759%282
Efficiency ratio43.6206%4,267
Assets per employee ($millions)8.6531%1,019
Cash dividends to net income (ytd only)*29.8686%2,084
Condition Ratios (%)
Loss allowance to loans2.5067%221
Loan loss allowance to noncurrent loans2,033.8372%550
Noncurrent assets plus other real estate owned to assets0.0639%3,129
Noncurrent loans to loans0.1232%2,856
Net loans and leases to total assets50.5100%3,524
Net loans and leases to deposits61.9665%3,308
Net loans and leases to core deposits66.5490%3,323
Total domestic deposits to total assets81.5100%3,335
Equity capital to assets14.9674%528
Core capital (leverage) ratio17.0706%392
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.4983%521
Memoranda:
Average total assets$7,565,540,000195
Average earning assets$7,177,334,667183
Average equity$1,108,300,000155
Average total loans$3,854,999,333240
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2446%2,942
Cost of funding earning assets0.9956%2,066
Net interest margin3.2490%2,997
Noninterest income to average assets0.4100%2,332
Noninterest expense to average assets1.4855%4,396
Loan and lease loss provision to assets0.0800%1,320
Net operating income to assets1.7548%743
Return on assets (ROA)1.7820%689
Pretax return on assets1.9564%840
Return on Equity (ROE)12.3000%2,143
Retained earnings to average equity (ytd only)8.6496%2,039
Net charge-offs to loans0.0027%1,927
Credit loss provision to net charge-offs5,980.7692%84
Earnings coverage of net charge-offs (x)1,461.5769%61
Efficiency ratio42.5124%4,368
Assets per employee ($millions)8.9075%971
Cash dividends to net income (ytd only)*29.6648%1,746
Condition Ratios (%)
Loss allowance to loans2.4875%223
Loan loss allowance to noncurrent loans2,212.1856%546
Noncurrent assets plus other real estate owned to assets0.0574%3,213
Noncurrent loans to loans0.1124%2,958
Net loans and leases to total assets49.8100%3,509
Net loans and leases to deposits61.1176%3,273
Net loans and leases to core deposits64.6048%3,313
Total domestic deposits to total assets81.4900%3,559
Equity capital to assets14.7787%502
Core capital (leverage) ratio16.9010%403
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.0482%567
Memoranda:
Average total assets$7,566,900,000199
Average earning assets$7,181,458,500188
Average equity$1,096,470,500158
Average total loans$3,823,452,000249
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5836%2,846
Cost of funding earning assets0.3978%2,127
Net interest margin3.1858%2,913
Noninterest income to average assets0.4800%2,209
Noninterest expense to average assets1.3873%4,515
Loan and lease loss provision to assets0.0800%1,457
Net operating income to assets1.8404%398
Return on assets (ROA)1.8363%386
Pretax return on assets2.0473%427
Return on Equity (ROE)13.2200%1,737
Retained earnings to average equity (ytd only)11.4130%807
Net charge-offs to loans-0.0254%4,149
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio39.4301%4,548
Assets per employee ($millions)8.8550%962
Cash dividends to net income (ytd only)*13.6698%3,118
Condition Ratios (%)
Loss allowance to loans2.6101%190
Loan loss allowance to noncurrent loans2,100.2142%576
Noncurrent assets plus other real estate owned to assets0.0621%3,183
Noncurrent loans to loans0.1243%2,895
Net loans and leases to total assets48.6700%3,618
Net loans and leases to deposits58.9959%3,400
Net loans and leases to core deposits60.9595%3,452
Total domestic deposits to total assets82.5000%3,532
Equity capital to assets14.1983%556
Core capital (leverage) ratio16.3422%425
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.9105%553
Memoranda:
Average total assets$7,967,428,400188
Average earning assets$7,602,375,400179
Average equity$1,106,699,600158
Average total loans$3,454,570,600255
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3784%2,974
Cost of funding earning assets0.2950%2,226
Net interest margin3.0834%2,982
Noninterest income to average assets0.5000%2,161
Noninterest expense to average assets1.3510%4,551
Loan and lease loss provision to assets0.0800%1,289
Net operating income to assets1.8089%423
Return on assets (ROA)1.7992%423
Pretax return on assets2.0077%462
Return on Equity (ROE)13.0200%1,691
Retained earnings to average equity (ytd only)12.4231%711
Net charge-offs to loans-0.0379%4,224
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio39.1912%4,592
Assets per employee ($millions)9.1574%842
Cash dividends to net income (ytd only)*4.5858%2,987
Condition Ratios (%)
Loss allowance to loans2.6413%196
Loan loss allowance to noncurrent loans1,853.2054%607
Noncurrent assets plus other real estate owned to assets0.1229%2,746
Noncurrent loans to loans0.1425%2,911
Net loans and leases to total assets45.7800%3,777
Net loans and leases to deposits54.7561%3,560
Net loans and leases to core deposits56.0867%3,622
Total domestic deposits to total assets83.6000%3,583
Equity capital to assets12.3593%803
Core capital (leverage) ratio15.8280%470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.8717%576
Memoranda:
Average total assets$8,079,817,500182
Average earning assets$7,721,290,250176
Average equity$1,116,522,750158
Average total loans$3,378,974,750257
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1534%3,183
Cost of funding earning assets0.2411%2,382
Net interest margin2.9123%3,131
Noninterest income to average assets0.5153%2,110
Noninterest expense to average assets1.3228%4,582
Loan and lease loss provision to assets0.0764%1,262
Net operating income to assets1.7144%415
Return on assets (ROA)1.7006%420
Pretax return on assets1.8926%474
Return on Equity (ROE)11.9079%1,692
Retained earnings to average equity (ytd only)11.9079%620
Net charge-offs to loans-0.0582%4,295
Credit loss provision to net charge-offs-326.7503%3,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.9976%4,610
Assets per employee ($millions)9.3491%793
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans2.7903%175
Loan loss allowance to noncurrent loans1,977.5094%564
Noncurrent assets plus other real estate owned to assets0.1149%2,901
Noncurrent loans to loans0.1411%2,999
Net loans and leases to total assets41.3866%4,014
Net loans and leases to deposits49.7792%3,816
Net loans and leases to core deposits50.8496%3,888
Total domestic deposits to total assets83.1403%3,854
Equity capital to assets12.8481%688
Core capital (leverage) ratio14.7602%506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.2396%518
Memoranda:
Average total assets$8,181,546,333181
Average earning assets$7,843,196,333174
Average equity$1,168,400,667154
Average total loans$3,286,822,000258
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0045%3,245
Cost of funding earning assets0.2225%2,497
Net interest margin2.7820%3,192
Noninterest income to average assets0.4103%2,617
Noninterest expense to average assets1.3144%4,613
Loan and lease loss provision to assets0.0752%1,098
Net operating income to assets1.5460%578
Return on assets (ROA)1.5579%557
Pretax return on assets1.7100%669
Return on Equity (ROE)10.4050%1,822
Retained earnings to average equity (ytd only)10.4050%924
Net charge-offs to loans-0.0783%4,393
Credit loss provision to net charge-offs-246.0443%3,012
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.5864%4,593
Assets per employee ($millions)9.8969%701
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.8170%187
Loan loss allowance to noncurrent loans967.4914%928
Noncurrent assets plus other real estate owned to assets0.1680%2,615
Noncurrent loans to loans0.2912%2,428
Net loans and leases to total assets38.5278%4,091
Net loans and leases to deposits47.8413%3,878
Net loans and leases to core deposits48.8858%3,935
Total domestic deposits to total assets80.5326%4,247
Equity capital to assets13.8508%548
Core capital (leverage) ratio14.3115%536
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4370%606
Memoranda:
Average total assets$8,275,590,000180
Average earning assets$7,960,964,000175
Average equity$1,239,096,000149
Average total loans$3,228,643,000262
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1467%3,590
Cost of funding earning assets0.2627%2,778
Net interest margin2.8840%3,484
Noninterest income to average assets0.4777%2,686
Noninterest expense to average assets1.3329%4,662
Loan and lease loss provision to assets0.0808%1,515
Net operating income to assets1.7091%619
Return on assets (ROA)1.7079%647
Pretax return on assets1.8432%832
Return on Equity (ROE)10.5015%2,347
Retained earnings to average equity (ytd only)9.7137%992
Net charge-offs to loans0.1148%782
Credit loss provision to net charge-offs178.8652%1,371
Earnings coverage of net charge-offs (x)42.6289%1,399
Efficiency ratio40.9093%4,669
Assets per employee ($millions)9.8882%686
Cash dividends to net income (ytd only)*7.5019%3,438
Condition Ratios (%)
Loss allowance to loans2.8816%167
Loan loss allowance to noncurrent loans876.8429%946
Noncurrent assets plus other real estate owned to assets0.1798%2,679
Noncurrent loans to loans0.3286%2,411
Net loans and leases to total assets37.2730%4,235
Net loans and leases to deposits47.6071%4,016
Net loans and leases to core deposits48.6952%4,070
Total domestic deposits to total assets78.2929%4,365
Equity capital to assets16.1014%371
Core capital (leverage) ratio14.3140%572
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6716%583
Memoranda:
Average total assets$7,804,903,200189
Average earning assets$7,524,699,400181
Average equity$1,269,339,400148
Average total loans$3,071,223,200264
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1682%3,666
Cost of funding earning assets0.2740%2,856
Net interest margin2.8942%3,566
Noninterest income to average assets0.4852%2,690
Noninterest expense to average assets1.3320%4,726
Loan and lease loss provision to assets0.0816%1,450
Net operating income to assets1.6671%887
Return on assets (ROA)1.6697%926
Pretax return on assets1.8619%1,016
Return on Equity (ROE)10.2396%2,647
Retained earnings to average equity (ytd only)10.2396%1,249
Net charge-offs to loans0.0250%1,542
Credit loss provision to net charge-offs823.0366%579
Earnings coverage of net charge-offs (x)195.6318%563
Efficiency ratio40.7023%4,703
Assets per employee ($millions)9.8548%666
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans2.9775%157
Loan loss allowance to noncurrent loans718.3163%1,022
Noncurrent assets plus other real estate owned to assets0.2131%2,713
Noncurrent loans to loans0.4145%2,316
Net loans and leases to total assets36.9686%4,339
Net loans and leases to deposits47.4350%4,150
Net loans and leases to core deposits48.6549%4,207
Total domestic deposits to total assets77.9354%4,434
Equity capital to assets16.0113%414
Core capital (leverage) ratio14.4875%559
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.1714%591
Memoranda:
Average total assets$7,701,857,000190
Average earning assets$7,417,628,750179
Average equity$1,255,907,500149
Average total loans$3,050,621,000267
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2028%3,677
Cost of funding earning assets0.2884%2,889
Net interest margin2.9144%3,544
Noninterest income to average assets0.4897%2,666
Noninterest expense to average assets1.3540%4,753
Loan and lease loss provision to assets0.0827%1,478
Net operating income to assets1.6679%921
Return on assets (ROA)1.6719%965
Pretax return on assets1.8618%1,095
Return on Equity (ROE)10.1871%2,683
Retained earnings to average equity (ytd only)10.1871%1,347
Net charge-offs to loans0.0864%816
Credit loss provision to net charge-offs238.5202%981
Earnings coverage of net charge-offs (x)55.9298%1,005
Efficiency ratio41.1043%4,717
Assets per employee ($millions)9.3211%767
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans2.8560%177
Loan loss allowance to noncurrent loans1,826.3660%451
Noncurrent assets plus other real estate owned to assets0.1207%3,428
Noncurrent loans to loans0.1564%3,423
Net loans and leases to total assets38.7368%4,354
Net loans and leases to deposits50.5093%4,074
Net loans and leases to core deposits51.9255%4,138
Total domestic deposits to total assets76.6924%4,527
Equity capital to assets16.1749%395
Core capital (leverage) ratio14.8964%489
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.7854%554
Memoranda:
Average total assets$7,559,079,000193
Average earning assets$7,273,449,333184
Average equity$1,240,626,667148
Average total loans$3,034,874,667269
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1448%3,791
Cost of funding earning assets0.3037%2,952
Net interest margin2.8411%3,666
Noninterest income to average assets0.4828%2,689
Noninterest expense to average assets1.3822%4,754
Loan and lease loss provision to assets0.0842%1,548
Net operating income to assets1.5917%1,142
Return on assets (ROA)1.5936%1,191
Pretax return on assets1.7500%1,393
Return on Equity (ROE)9.6352%2,809
Retained earnings to average equity (ytd only)9.6352%1,758
Net charge-offs to loans0.1939%421
Credit loss provision to net charge-offs107.6870%1,077
Earnings coverage of net charge-offs (x)23.4439%1,191
Efficiency ratio43.0017%4,634
Assets per employee ($millions)9.0184%824
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.8759%167
Loan loss allowance to noncurrent loans907.1061%725
Noncurrent assets plus other real estate owned to assets0.1398%3,475
Noncurrent loans to loans0.3170%2,966
Net loans and leases to total assets39.4636%4,364
Net loans and leases to deposits51.3420%4,081
Net loans and leases to core deposits52.8550%4,150
Total domestic deposits to total assets76.8640%4,528
Equity capital to assets16.2520%365
Core capital (leverage) ratio15.2802%441
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.1102%505
Memoranda:
Average total assets$7,391,127,000195
Average earning assets$7,105,910,500187
Average equity$1,222,439,000149
Average total loans$2,978,224,500273
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6737%3,646
Cost of funding earning assets0.4675%3,167
Net interest margin3.2063%3,341
Noninterest income to average assets0.5560%2,391
Noninterest expense to average assets1.5274%4,758
Loan and lease loss provision to assets0.0973%3,125
Net operating income to assets1.8346%361
Return on assets (ROA)1.8790%358
Pretax return on assets2.0429%418
Return on Equity (ROE)10.3235%1,874
Retained earnings to average equity (ytd only)1.4416%4,055
Net charge-offs to loans0.0821%1,650
Credit loss provision to net charge-offs280.1063%1,803
Earnings coverage of net charge-offs (x)60.2016%1,070
Efficiency ratio42.2000%4,828
Assets per employee ($millions)8.6323%856
Cash dividends to net income (ytd only)*86.0360%488
Condition Ratios (%)
Loss allowance to loans3.0490%138
Loan loss allowance to noncurrent loans1,153.2400%595
Noncurrent assets plus other real estate owned to assets0.1194%3,692
Noncurrent loans to loans0.2644%3,249
Net loans and leases to total assets38.7246%4,491
Net loans and leases to deposits50.5391%4,288
Net loans and leases to core deposits52.0075%4,341
Total domestic deposits to total assets76.6230%4,455
Equity capital to assets16.8391%353
Core capital (leverage) ratio15.4183%452
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.5502%471
Memoranda:
Average total assets$6,494,969,800202
Average earning assets$6,205,562,200195
Average equity$1,182,177,600149
Average total loans$2,748,336,400282
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7140%3,771
Cost of funding earning assets0.5114%3,154
Net interest margin3.2026%3,488
Noninterest income to average assets0.5483%2,390
Noninterest expense to average assets1.5486%4,769
Loan and lease loss provision to assets0.1000%3,071
Net operating income to assets1.7831%469
Return on assets (ROA)1.8205%480
Pretax return on assets1.9977%519
Return on Equity (ROE)9.7921%2,094
Retained earnings to average equity (ytd only)6.9509%1,718
Net charge-offs to loans0.0712%1,601
Credit loss provision to net charge-offs326.6391%1,679
Earnings coverage of net charge-offs (x)67.1739%1,023
Efficiency ratio42.9538%4,831
Assets per employee ($millions)8.3141%900
Cash dividends to net income (ytd only)*29.0151%2,414
Condition Ratios (%)
Loss allowance to loans3.0227%135
Loan loss allowance to noncurrent loans2,901.7614%253
Noncurrent assets plus other real estate owned to assets0.0755%4,054
Noncurrent loans to loans0.1042%3,950
Net loans and leases to total assets40.5947%4,544
Net loans and leases to deposits54.0326%4,336
Net loans and leases to core deposits55.5301%4,393
Total domestic deposits to total assets75.1300%4,495
Equity capital to assets18.1253%291
Core capital (leverage) ratio16.6109%371
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.1226%401
Memoranda:
Average total assets$6,310,243,750207
Average earning assets$6,023,145,750196
Average equity$1,173,192,750150
Average total loans$2,713,074,750283
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8516%3,734
Cost of funding earning assets0.5735%3,115
Net interest margin3.2781%3,441
Noninterest income to average assets0.5075%2,532
Noninterest expense to average assets1.5905%4,784
Loan and lease loss provision to assets0.1029%2,984
Net operating income to assets1.7840%519
Return on assets (ROA)1.7738%580
Pretax return on assets1.9264%646
Return on Equity (ROE)9.4517%2,177
Retained earnings to average equity (ytd only)5.9653%2,098
Net charge-offs to loans0.0952%1,310
Credit loss provision to net charge-offs248.9311%1,756
Earnings coverage of net charge-offs (x)49.3777%1,111
Efficiency ratio43.8071%4,817
Assets per employee ($millions)7.8694%1,018
Cash dividends to net income (ytd only)*36.8861%2,061
Condition Ratios (%)
Loss allowance to loans3.0708%129
Loan loss allowance to noncurrent loans2,129.6480%298
Noncurrent assets plus other real estate owned to assets0.0913%4,071
Noncurrent loans to loans0.1442%3,882
Net loans and leases to total assets40.2564%4,595
Net loans and leases to deposits53.5709%4,395
Net loans and leases to core deposits55.1381%4,459
Total domestic deposits to total assets75.1459%4,503
Equity capital to assets18.0369%300
Core capital (leverage) ratio16.9332%357
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.1026%399
Memoranda:
Average total assets$6,113,413,667206
Average earning assets$5,824,588,667197
Average equity$1,147,329,667153
Average total loans$2,654,550,000285
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1460%3,390
Cost of funding earning assets0.7134%2,875
Net interest margin3.4326%3,207
Noninterest income to average assets0.5122%2,492
Noninterest expense to average assets1.7171%4,755
Loan and lease loss provision to assets0.1084%2,321
Net operating income to assets1.8114%406
Return on assets (ROA)1.8114%447
Pretax return on assets1.9503%511
Return on Equity (ROE)9.4384%1,941
Retained earnings to average equity (ytd only)2.2538%3,351
Net charge-offs to loans0.2021%682
Credit loss provision to net charge-offs120.4598%1,705
Earnings coverage of net charge-offs (x)22.8820%1,342
Efficiency ratio45.4763%4,846
Assets per employee ($millions)6.6541%1,259
Cash dividends to net income (ytd only)*76.1209%1,092
Condition Ratios (%)
Loss allowance to loans3.2985%111
Loan loss allowance to noncurrent loans2,026.3702%291
Noncurrent assets plus other real estate owned to assets0.1078%4,079
Noncurrent loans to loans0.1628%3,878
Net loans and leases to total assets42.7874%4,559
Net loans and leases to deposits56.8404%4,335
Net loans and leases to core deposits58.7930%4,405
Total domestic deposits to total assets75.2764%4,559
Equity capital to assets18.3718%327
Core capital (leverage) ratio18.2691%323
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.6937%516
Memoranda:
Average total assets$5,802,003,000210
Average earning assets$5,516,314,000201
Average equity$1,113,490,000155
Average total loans$2,582,988,000287
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3369%3,434
Cost of funding earning assets0.8047%2,661
Net interest margin3.5322%3,341
Noninterest income to average assets0.5304%2,578
Noninterest expense to average assets1.7827%4,792
Loan and lease loss provision to assets0.1139%1,851
Net operating income to assets1.8691%459
Return on assets (ROA)1.8771%474
Pretax return on assets1.9715%636
Return on Equity (ROE)9.4447%2,547
Retained earnings to average equity (ytd only)7.6273%1,105
Net charge-offs to loans0.1077%1,652
Credit loss provision to net charge-offs228.1940%1,170
Earnings coverage of net charge-offs (x)41.6232%1,282
Efficiency ratio46.1713%4,905
Assets per employee ($millions)6.6761%1,195
Cash dividends to net income (ytd only)*19.2426%3,497
Condition Ratios (%)
Loss allowance to loans3.2191%103
Loan loss allowance to noncurrent loans2,265.5702%290
Noncurrent assets plus other real estate owned to assets0.1042%4,105
Noncurrent loans to loans0.1421%3,963
Net loans and leases to total assets43.3467%4,626
Net loans and leases to deposits57.7101%4,384
Net loans and leases to core deposits59.6461%4,458
Total domestic deposits to total assets75.1111%4,694
Equity capital to assets20.0037%255
Core capital (leverage) ratio18.4339%311
Tier 1 risk-based capital ratio22.6085%951
Total risk-based capital ratio23.8657%937
Memoranda:
Average total assets$5,537,130,000209
Average earning assets$5,218,933,000202
Average equity$1,100,472,000152
Average total loans$2,565,554,600280
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3834%3,415
Cost of funding earning assets0.8090%2,666
Net interest margin3.5744%3,317
Noninterest income to average assets0.5196%2,607
Noninterest expense to average assets1.7837%4,837
Loan and lease loss provision to assets0.1151%1,692
Net operating income to assets1.8636%550
Return on assets (ROA)1.8705%559
Pretax return on assets1.9865%709
Return on Equity (ROE)9.4277%2,704
Retained earnings to average equity (ytd only)7.5829%1,583
Net charge-offs to loans0.0911%1,559
Credit loss provision to net charge-offs270.1031%1,028
Earnings coverage of net charge-offs (x)49.1598%1,214
Efficiency ratio45.9742%4,936
Assets per employee ($millions)6.6106%1,222
Cash dividends to net income (ytd only)*19.5674%3,058
Condition Ratios (%)
Loss allowance to loans3.2219%112
Loan loss allowance to noncurrent loans1,951.8007%333
Noncurrent assets plus other real estate owned to assets0.1231%4,112
Noncurrent loans to loans0.1651%3,951
Net loans and leases to total assets44.0952%4,688
Net loans and leases to deposits59.2627%4,413
Net loans and leases to core deposits61.5416%4,476
Total domestic deposits to total assets74.4063%4,789
Equity capital to assets20.2018%248
Core capital (leverage) ratio18.7070%308
Tier 1 risk-based capital ratio22.3376%1,029
Total risk-based capital ratio23.5949%998
Memoranda:
Average total assets$5,464,357,000213
Average earning assets$5,134,259,250205
Average equity$1,084,124,500153
Average total loans$2,554,350,500284
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4026%3,324
Cost of funding earning assets0.7966%2,661
Net interest margin3.6060%3,236
Noninterest income to average assets0.4920%2,718
Noninterest expense to average assets1.8008%4,876
Loan and lease loss provision to assets0.1160%1,616
Net operating income to assets1.8511%538
Return on assets (ROA)1.8567%558
Pretax return on assets1.9559%745
Return on Equity (ROE)9.4188%2,675
Retained earnings to average equity (ytd only)7.5367%1,583
Net charge-offs to loans0.1287%1,171
Credit loss provision to net charge-offs191.1369%1,259
Earnings coverage of net charge-offs (x)34.0373%1,369
Efficiency ratio46.5387%4,966
Assets per employee ($millions)6.2153%1,396
Cash dividends to net income (ytd only)*19.9820%3,022
Condition Ratios (%)
Loss allowance to loans3.1494%117
Loan loss allowance to noncurrent loans2,147.1975%316
Noncurrent assets plus other real estate owned to assets0.1229%4,134
Noncurrent loans to loans0.1467%4,029
Net loans and leases to total assets45.7295%4,649
Net loans and leases to deposits61.0954%4,372
Net loans and leases to core deposits63.1992%4,445
Total domestic deposits to total assets74.8495%4,778
Equity capital to assets20.1426%243
Core capital (leverage) ratio18.3031%322
Tier 1 risk-based capital ratio21.8157%1,074
Total risk-based capital ratio23.0727%1,051
Memoranda:
Average total assets$5,390,760,330216
Average earning assets$5,045,119,330209
Average equity$1,062,665,670158
Average total loans$2,542,355,330286
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3899%3,268
Cost of funding earning assets0.7624%2,721
Net interest margin3.6275%3,146
Noninterest income to average assets0.4315%2,967
Noninterest expense to average assets1.8205%4,900
Loan and lease loss provision to assets0.1167%1,506
Net operating income to assets1.7829%600
Return on assets (ROA)1.8027%599
Pretax return on assets1.8876%813
Return on Equity (ROE)9.2494%2,692
Retained earnings to average equity (ytd only)7.3241%1,914
Net charge-offs to loans0.1204%1,019
Credit loss provision to net charge-offs205.6878%1,034
Earnings coverage of net charge-offs (x)34.9590%1,239
Efficiency ratio47.8081%4,949
Assets per employee ($millions)6.2254%1,389
Cash dividends to net income (ytd only)*20.8160%2,445
Condition Ratios (%)
Loss allowance to loans3.2250%107
Loan loss allowance to noncurrent loans2,566.7193%269
Noncurrent assets plus other real estate owned to assets0.1139%4,238
Noncurrent loans to loans0.1256%4,172
Net loans and leases to total assets45.1928%4,697
Net loans and leases to deposits59.7530%4,424
Net loans and leases to core deposits61.6481%4,502
Total domestic deposits to total assets75.6327%4,800
Equity capital to assets19.6876%253
Core capital (leverage) ratio17.8599%346
Tier 1 risk-based capital ratio20.8103%1,197
Total risk-based capital ratio22.0674%1,166
Memoranda:
Average total assets$5,329,642,500218
Average earning assets$4,955,004,000212
Average equity$1,038,767,000161
Average total loans$2,512,009,000290
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3211%3,039
Cost of funding earning assets0.5737%2,894
Net interest margin3.7474%2,868
Noninterest income to average assets0.5060%2,805
Noninterest expense to average assets1.7513%5,047
Loan and lease loss provision to assets0.1180%1,864
Net operating income to assets1.9894%368
Return on assets (ROA)2.0291%338
Pretax return on assets2.1570%389
Return on Equity (ROE)11.1079%2,042
Retained earnings to average equity (ytd only)9.0588%843
Net charge-offs to loans-0.3134%5,311
Credit loss provision to net charge-offs-81.8831%4,377
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.9106%5,185
Assets per employee ($millions)6.2492%1,359
Cash dividends to net income (ytd only)*18.4475%3,532
Condition Ratios (%)
Loss allowance to loans3.2151%106
Loan loss allowance to noncurrent loans2,119.2470%341
Noncurrent assets plus other real estate owned to assets0.1431%4,112
Noncurrent loans to loans0.1517%4,061
Net loans and leases to total assets46.0482%4,733
Net loans and leases to deposits60.1488%4,468
Net loans and leases to core deposits62.2974%4,524
Total domestic deposits to total assets76.5571%4,688
Equity capital to assets19.2881%259
Core capital (leverage) ratio17.0828%400
Tier 1 risk-based capital ratio20.1216%1,282
Total risk-based capital ratio21.3785%1,262
Memoranda:
Average total assets$5,343,028,200213
Average earning assets$4,959,003,800208
Average equity$976,025,400163
Average total loans$2,456,689,000288
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2647%3,093
Cost of funding earning assets0.5389%2,939
Net interest margin3.7258%2,908
Noninterest income to average assets0.5063%2,829
Noninterest expense to average assets1.7253%5,113
Loan and lease loss provision to assets0.1172%1,732
Net operating income to assets2.0040%370
Return on assets (ROA)2.0622%329
Pretax return on assets2.1936%400
Return on Equity (ROE)11.4461%2,000
Retained earnings to average equity (ytd only)9.3764%1,084
Net charge-offs to loans-0.4492%5,391
Credit loss provision to net charge-offs-57.2539%4,178
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.3645%5,238
Assets per employee ($millions)6.2383%1,324
Cash dividends to net income (ytd only)*18.0821%3,085
Condition Ratios (%)
Loss allowance to loans3.2309%111
Loan loss allowance to noncurrent loans2,569.1138%279
Noncurrent assets plus other real estate owned to assets0.1584%4,168
Noncurrent loans to loans0.1258%4,321
Net loans and leases to total assets45.0819%4,836
Net loans and leases to deposits58.7031%4,610
Net loans and leases to core deposits60.8519%4,670
Total domestic deposits to total assets76.7965%4,677
Equity capital to assets18.5616%292
Core capital (leverage) ratio16.7074%443
Tier 1 risk-based capital ratio19.9946%1,337
Total risk-based capital ratio21.2516%1,300
Memoranda:
Average total assets$5,363,328,000211
Average earning assets$4,992,141,750205
Average equity$966,305,000162
Average total loans$2,444,994,500287
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1858%3,158
Cost of funding earning assets0.5147%2,898
Net interest margin3.6711%3,040
Noninterest income to average assets0.5154%2,772
Noninterest expense to average assets1.7044%5,198
Loan and lease loss provision to assets0.1160%1,714
Net operating income to assets2.0041%379
Return on assets (ROA)2.0725%320
Pretax return on assets2.1952%392
Return on Equity (ROE)11.6175%1,866
Retained earnings to average equity (ytd only)9.5383%1,059
Net charge-offs to loans-0.6623%5,463
Credit loss provision to net charge-offs-38.6833%3,994
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.1813%5,305
Assets per employee ($millions)6.3309%1,252
Cash dividends to net income (ytd only)*17.8977%3,064
Condition Ratios (%)
Loss allowance to loans3.1647%120
Loan loss allowance to noncurrent loans1,808.8708%362
Noncurrent assets plus other real estate owned to assets0.1723%4,122
Noncurrent loans to loans0.1750%4,119
Net loans and leases to total assets43.5099%4,929
Net loans and leases to deposits56.9282%4,703
Net loans and leases to core deposits59.3007%4,736
Total domestic deposits to total assets76.4294%4,809
Equity capital to assets17.8403%341
Core capital (leverage) ratio16.0570%484
Tier 1 risk-based capital ratio19.3665%1,462
Total risk-based capital ratio20.6230%1,421
Memoranda:
Average total assets$5,391,915,000207
Average earning assets$5,033,973,330200
Average equity$961,872,670162
Average total loans$2,440,438,330285
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1816%2,939
Cost of funding earning assets0.4945%2,837
Net interest margin3.6871%2,855
Noninterest income to average assets0.4907%2,866
Noninterest expense to average assets1.6962%5,251
Loan and lease loss provision to assets0.1161%1,633
Net operating income to assets2.0308%349
Return on assets (ROA)2.1070%287
Pretax return on assets2.2054%376
Return on Equity (ROE)11.8114%1,646
Retained earnings to average equity (ytd only)9.7182%1,250
Net charge-offs to loans0.0041%2,588
Credit loss provision to net charge-offs6,220.0000%49
Earnings coverage of net charge-offs (x)1,200.9200%49
Efficiency ratio43.0218%5,375
Assets per employee ($millions)6.3876%1,261
Cash dividends to net income (ytd only)*17.7223%2,446
Condition Ratios (%)
Loss allowance to loans2.7983%191
Loan loss allowance to noncurrent loans1,584.6692%412
Noncurrent assets plus other real estate owned to assets0.1710%4,230
Noncurrent loans to loans0.1766%4,180
Net loans and leases to total assets44.0833%4,891
Net loans and leases to deposits59.1052%4,530
Net loans and leases to core deposits61.7995%4,563
Total domestic deposits to total assets74.5846%5,099
Equity capital to assets17.7882%332
Core capital (leverage) ratio15.7953%516
Tier 1 risk-based capital ratio18.8759%1,581
Total risk-based capital ratio20.1297%1,542
Memoranda:
Average total assets$5,356,071,000206
Average earning assets$5,008,393,500199
Average equity$955,447,000163
Average total loans$2,433,209,000285
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1612%2,835
Cost of funding earning assets0.4171%3,077
Net interest margin3.7441%2,628
Noninterest income to average assets0.5165%2,899
Noninterest expense to average assets1.7621%5,272
Loan and lease loss provision to assets0.3238%516
Net operating income to assets2.3237%155
Return on assets (ROA)2.3385%151
Pretax return on assets1.9609%536
Return on Equity (ROE)14.1465%739
Retained earnings to average equity (ytd only)11.8827%183
Net charge-offs to loans0.6087%377
Credit loss provision to net charge-offs124.9639%2,105
Earnings coverage of net charge-offs (x)8.7609%2,868
Efficiency ratio43.4240%5,468
Assets per employee ($millions)6.4494%1,235
Cash dividends to net income (ytd only)*16.0027%3,791
Condition Ratios (%)
Loss allowance to loans2.7293%193
Loan loss allowance to noncurrent loans1,370.5215%480
Noncurrent assets plus other real estate owned to assets0.2125%4,072
Noncurrent loans to loans0.1991%4,113
Net loans and leases to total assets44.2636%4,964
Net loans and leases to deposits60.0461%4,563
Net loans and leases to core deposits62.6233%4,621
Total domestic deposits to total assets73.7160%5,209
Equity capital to assets17.8890%326
Core capital (leverage) ratio15.7821%500
Tier 1 risk-based capital ratio18.4147%1,672
Total risk-based capital ratio19.6717%1,629
Memoranda:
Average total assets$5,344,522,400201
Average earning assets$5,018,379,400193
Average equity$883,461,000166
Average total loans$2,274,907,200289
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1359%2,852
Cost of funding earning assets0.4089%3,103
Net interest margin3.7270%2,667
Noninterest income to average assets0.5177%2,919
Noninterest expense to average assets1.7337%5,341
Loan and lease loss provision to assets0.1177%1,839
Net operating income to assets1.8346%436
Return on assets (ROA)1.8484%435
Pretax return on assets2.1838%379
Return on Equity (ROE)11.4169%1,520
Retained earnings to average equity (ytd only)9.1047%812
Net charge-offs to loans0.1838%1,150
Credit loss provision to net charge-offs153.1169%1,665
Earnings coverage of net charge-offs (x)29.7305%1,563
Efficiency ratio42.7824%5,519
Assets per employee ($millions)6.4764%1,200
Cash dividends to net income (ytd only)*20.2530%3,124
Condition Ratios (%)
Loss allowance to loans2.7884%188
Loan loss allowance to noncurrent loans599.4530%892
Noncurrent assets plus other real estate owned to assets0.3161%3,796
Noncurrent loans to loans0.4652%3,307
Net loans and leases to total assets41.9891%5,113
Net loans and leases to deposits56.0326%4,873
Net loans and leases to core deposits58.8978%4,876
Total domestic deposits to total assets74.9369%5,133
Equity capital to assets16.9908%430
Core capital (leverage) ratio15.7283%530
Tier 1 risk-based capital ratio18.0937%1,833
Total risk-based capital ratio19.3462%1,786
Memoranda:
Average total assets$5,342,411,500201
Average earning assets$5,018,862,250194
Average equity$864,928,250166
Average total loans$2,234,659,000290
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1047%2,811
Cost of funding earning assets0.3914%3,155
Net interest margin3.7133%2,605
Noninterest income to average assets0.5048%2,998
Noninterest expense to average assets1.7331%5,381
Loan and lease loss provision to assets0.1173%1,754
Net operating income to assets1.8513%408
Return on assets (ROA)1.8556%418
Pretax return on assets2.1533%392
Return on Equity (ROE)11.6550%1,405
Retained earnings to average equity (ytd only)9.2997%762
Net charge-offs to loans0.2009%1,005
Credit loss provision to net charge-offs141.1101%1,582
Earnings coverage of net charge-offs (x)27.2649%1,545
Efficiency ratio42.8945%5,552
Assets per employee ($millions)6.3646%1,221
Cash dividends to net income (ytd only)*20.2081%3,103
Condition Ratios (%)
Loss allowance to loans2.8052%202
Loan loss allowance to noncurrent loans482.8789%1,060
Noncurrent assets plus other real estate owned to assets0.3739%3,624
Noncurrent loans to loans0.5809%2,990
Net loans and leases to total assets41.1914%5,183
Net loans and leases to deposits56.4762%4,838
Net loans and leases to core deposits59.5267%4,842
Total domestic deposits to total assets72.9358%5,391
Equity capital to assets16.6328%447
Core capital (leverage) ratio15.3410%572
Tier 1 risk-based capital ratio17.3872%2,043
Total risk-based capital ratio18.6392%2,000
Memoranda:
Average total assets$5,333,582,000205
Average earning assets$5,018,295,000196
Average equity$849,164,670168
Average total loans$2,206,540,330293
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1360%2,529
Cost of funding earning assets0.3817%3,192
Net interest margin3.7542%2,289
Noninterest income to average assets0.4757%3,146
Noninterest expense to average assets1.7627%5,422
Loan and lease loss provision to assets0.1170%1,636
Net operating income to assets1.8200%431
Return on assets (ROA)1.7968%466
Pretax return on assets2.0989%412
Return on Equity (ROE)11.5473%1,390
Retained earnings to average equity (ytd only)9.1274%1,036
Net charge-offs to loans-0.0359%5,023
Credit loss provision to net charge-offs-796.9231%4,350
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5587%5,609
Assets per employee ($millions)6.4569%1,210
Cash dividends to net income (ytd only)*20.9565%2,514
Condition Ratios (%)
Loss allowance to loans2.9347%190
Loan loss allowance to noncurrent loans399.3834%1,262
Noncurrent assets plus other real estate owned to assets0.4328%3,462
Noncurrent loans to loans0.7348%2,659
Net loans and leases to total assets39.6901%5,257
Net loans and leases to deposits53.9074%4,940
Net loans and leases to core deposits57.2413%4,915
Total domestic deposits to total assets73.6265%5,443
Equity capital to assets15.5826%559
Core capital (leverage) ratio14.6276%683
Tier 1 risk-based capital ratio17.0457%2,169
Total risk-based capital ratio18.2993%2,120
Memoranda:
Average total assets$5,311,318,000202
Average earning assets$4,993,924,500195
Average equity$826,481,000169
Average total loans$2,170,182,000300
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1976%2,493
Cost of funding earning assets0.3728%3,290
Net interest margin3.8249%2,229
Noninterest income to average assets0.5235%3,076
Noninterest expense to average assets1.7609%5,512
Loan and lease loss provision to assets0.1242%1,996
Net operating income to assets1.8866%383
Return on assets (ROA)1.9310%382
Pretax return on assets2.2900%281
Return on Equity (ROE)11.9681%1,256
Retained earnings to average equity (ytd only)9.5329%490
Net charge-offs to loans0.0746%2,633
Credit loss provision to net charge-offs407.4098%782
Earnings coverage of net charge-offs (x)77.4485%730
Efficiency ratio42.2627%5,740
Assets per employee ($millions)6.4984%1,157
Cash dividends to net income (ytd only)*20.3479%3,711
Condition Ratios (%)
Loss allowance to loans2.9547%182
Loan loss allowance to noncurrent loans652.7237%846
Noncurrent assets plus other real estate owned to assets0.3219%3,989
Noncurrent loans to loans0.4527%3,529
Net loans and leases to total assets39.6217%5,328
Net loans and leases to deposits54.5189%4,991
Net loans and leases to core deposits57.3278%5,002
Total domestic deposits to total assets72.6751%5,518
Equity capital to assets15.5382%558
Core capital (leverage) ratio14.5370%689
Tier 1 risk-based capital ratio16.8656%2,204
Total risk-based capital ratio18.1211%2,149
Memoranda:
Average total assets$5,090,162,800202
Average earning assets$4,789,260,800196
Average equity$821,264,400164
Average total loans$2,080,844,200300
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2286%2,424
Cost of funding earning assets0.3690%3,341
Net interest margin3.8596%2,118
Noninterest income to average assets0.5299%3,047
Noninterest expense to average assets1.7731%5,543
Loan and lease loss provision to assets0.1248%1,867
Net operating income to assets1.9173%391
Return on assets (ROA)1.9767%366
Pretax return on assets2.3369%290
Return on Equity (ROE)12.1358%1,278
Retained earnings to average equity (ytd only)8.8982%850
Net charge-offs to loans0.0691%2,333
Credit loss provision to net charge-offs441.5112%782
Earnings coverage of net charge-offs (x)84.6165%745
Efficiency ratio42.1205%5,782
Assets per employee ($millions)6.3909%1,182
Cash dividends to net income (ytd only)*26.6784%2,954
Condition Ratios (%)
Loss allowance to loans2.9161%210
Loan loss allowance to noncurrent loans590.1353%921
Noncurrent assets plus other real estate owned to assets0.3519%4,001
Noncurrent loans to loans0.4941%3,518
Net loans and leases to total assets39.5284%5,404
Net loans and leases to deposits56.4959%4,962
Net loans and leases to core deposits59.5559%4,957
Total domestic deposits to total assets69.9668%5,699
Equity capital to assets16.4660%493
Core capital (leverage) ratio15.0256%627
Tier 1 risk-based capital ratio17.7120%2,002
Total risk-based capital ratio18.9648%1,960
Memoranda:
Average total assets$5,056,534,750203
Average earning assets$4,762,385,750195
Average equity$823,625,000163
Average total loans$2,067,772,500299
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2430%2,356
Cost of funding earning assets0.3687%3,369
Net interest margin3.8744%2,067
Noninterest income to average assets0.5443%2,934
Noninterest expense to average assets1.7779%5,620
Loan and lease loss provision to assets0.1257%1,810
Net operating income to assets1.9593%357
Return on assets (ROA)2.0375%323
Pretax return on assets2.3978%256
Return on Equity (ROE)12.5564%1,149
Retained earnings to average equity (ytd only)10.0932%575
Net charge-offs to loans0.0644%2,277
Credit loss provision to net charge-offs476.3636%684
Earnings coverage of net charge-offs (x)92.1682%622
Efficiency ratio41.7848%5,866
Assets per employee ($millions)6.1365%1,310
Cash dividends to net income (ytd only)*19.6175%3,212
Condition Ratios (%)
Loss allowance to loans2.8746%231
Loan loss allowance to noncurrent loans493.5321%1,072
Noncurrent assets plus other real estate owned to assets0.3901%3,933
Noncurrent loans to loans0.5824%3,317
Net loans and leases to total assets40.0515%5,420
Net loans and leases to deposits56.7474%4,966
Net loans and leases to core deposits59.8251%4,989
Total domestic deposits to total assets70.5786%5,754
Equity capital to assets16.5721%480
Core capital (leverage) ratio15.0456%602
Tier 1 risk-based capital ratio17.4065%2,094
Total risk-based capital ratio18.6589%2,059
Memoranda:
Average total assets$5,003,723,670204
Average earning assets$4,733,311,000196
Average equity$811,935,000163
Average total loans$2,049,260,670301
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2656%2,252
Cost of funding earning assets0.3729%3,368
Net interest margin3.8927%1,954
Noninterest income to average assets0.5170%3,010
Noninterest expense to average assets1.7805%5,672
Loan and lease loss provision to assets0.1272%1,668
Net operating income to assets1.9794%350
Return on assets (ROA)2.0973%292
Pretax return on assets2.4319%266
Return on Equity (ROE)13.0695%1,026
Retained earnings to average equity (ytd only)10.5485%731
Net charge-offs to loans0.1235%1,365
Credit loss provision to net charge-offs252.3274%938
Earnings coverage of net charge-offs (x)48.0465%906
Efficiency ratio41.9096%5,924
Assets per employee ($millions)6.0846%1,350
Cash dividends to net income (ytd only)*19.2894%2,569
Condition Ratios (%)
Loss allowance to loans2.9080%244
Loan loss allowance to noncurrent loans473.4426%1,072
Noncurrent assets plus other real estate owned to assets0.4298%3,867
Noncurrent loans to loans0.6142%3,330
Net loans and leases to total assets39.6667%5,464
Net loans and leases to deposits54.9815%5,036
Net loans and leases to core deposits58.1552%5,039
Total domestic deposits to total assets72.1455%5,762
Equity capital to assets16.1902%514
Core capital (leverage) ratio14.9289%614
Tier 1 risk-based capital ratio17.2406%2,197
Total risk-based capital ratio18.4931%2,167
Memoranda:
Average total assets$4,943,581,500204
Average earning assets$4,680,416,000196
Average equity$793,325,500166
Average total loans$2,017,400,500299
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4039%1,889
Cost of funding earning assets0.3789%3,383
Net interest margin4.0250%1,634
Noninterest income to average assets0.5198%3,199
Noninterest expense to average assets1.8077%5,723
Loan and lease loss provision to assets0.1320%1,812
Net operating income to assets2.1986%249
Return on assets (ROA)2.2308%246
Pretax return on assets2.4125%235
Return on Equity (ROE)14.5999%749
Retained earnings to average equity (ytd only)11.8609%268
Net charge-offs to loans0.1731%1,651
Credit loss provision to net charge-offs191.3228%1,444
Earnings coverage of net charge-offs (x)36.3862%1,266
Efficiency ratio40.9130%6,047
Assets per employee ($millions)6.1529%1,282
Cash dividends to net income (ytd only)*18.7607%3,822
Condition Ratios (%)
Loss allowance to loans2.9144%249
Loan loss allowance to noncurrent loans704.5960%813
Noncurrent assets plus other real estate owned to assets0.3588%4,151
Noncurrent loans to loans0.4136%3,966
Net loans and leases to total assets39.5735%5,541
Net loans and leases to deposits53.3448%5,195
Net loans and leases to core deposits56.4408%5,177
Total domestic deposits to total assets74.1844%5,625
Equity capital to assets15.9026%527
Core capital (leverage) ratio14.4506%723
Tier 1 risk-based capital ratio16.4941%2,484
Total risk-based capital ratio17.7468%2,441
Memoranda:
Average total assets$4,778,914,000201
Average earning assets$4,508,641,200191
Average equity$730,183,000169
Average total loans$1,904,641,600297
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3956%1,932
Cost of funding earning assets0.3811%3,421
Net interest margin4.0145%1,652
Noninterest income to average assets0.5248%3,203
Noninterest expense to average assets1.7847%5,793
Loan and lease loss provision to assets0.1324%1,690
Net operating income to assets2.2006%262
Return on assets (ROA)2.2386%250
Pretax return on assets2.4336%265
Return on Equity (ROE)14.8074%754
Retained earnings to average equity (ytd only)11.0923%464
Net charge-offs to loans0.0997%2,151
Credit loss provision to net charge-offs335.1812%872
Earnings coverage of net charge-offs (x)63.8956%876
Efficiency ratio40.4474%6,123
Assets per employee ($millions)6.0301%1,352
Cash dividends to net income (ytd only)*25.0897%3,029
Condition Ratios (%)
Loss allowance to loans3.0494%230
Loan loss allowance to noncurrent loans350.1375%1,399
Noncurrent assets plus other real estate owned to assets0.5751%3,560
Noncurrent loans to loans0.8709%2,805
Net loans and leases to total assets38.7371%5,661
Net loans and leases to deposits52.4793%5,342
Net loans and leases to core deposits55.4790%5,334
Total domestic deposits to total assets73.8140%5,728
Equity capital to assets15.3833%664
Core capital (leverage) ratio14.1324%828
Tier 1 risk-based capital ratio16.3766%2,634
Total risk-based capital ratio17.6296%2,586
Memoranda:
Average total assets$4,747,669,750203
Average earning assets$4,475,744,000194
Average equity$717,766,750171
Average total loans$1,881,077,250301
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3999%1,853
Cost of funding earning assets0.3816%3,468
Net interest margin4.0183%1,586
Noninterest income to average assets0.4937%3,421
Noninterest expense to average assets1.7662%5,897
Loan and lease loss provision to assets0.1323%1,657
Net operating income to assets2.1828%264
Return on assets (ROA)2.2254%259
Pretax return on assets2.4275%274
Return on Equity (ROE)14.8076%763
Retained earnings to average equity (ytd only)11.9930%397
Net charge-offs to loans0.2350%1,103
Credit loss provision to net charge-offs142.4601%1,583
Earnings coverage of net charge-offs (x)27.0720%1,459
Efficiency ratio40.2908%6,200
Assets per employee ($millions)5.8920%1,438
Cash dividends to net income (ytd only)*19.0078%3,223
Condition Ratios (%)
Loss allowance to loans2.9471%285
Loan loss allowance to noncurrent loans322.4416%1,523
Noncurrent assets plus other real estate owned to assets0.6139%3,576
Noncurrent loans to loans0.9140%2,840
Net loans and leases to total assets38.2917%5,724
Net loans and leases to deposits51.1309%5,440
Net loans and leases to core deposits54.7810%5,379
Total domestic deposits to total assets74.8896%5,716
Equity capital to assets14.8181%737
Core capital (leverage) ratio13.6541%942
Tier 1 risk-based capital ratio16.0094%2,854
Total risk-based capital ratio17.2624%2,812
Memoranda:
Average total assets$4,728,228,000208
Average earning assets$4,454,897,670196
Average equity$710,581,330172
Average total loans$1,868,016,670302
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3704%1,869
Cost of funding earning assets0.3836%3,480
Net interest margin3.9868%1,603
Noninterest income to average assets0.4941%3,321
Noninterest expense to average assets1.7603%5,949
Loan and lease loss provision to assets0.1330%1,554
Net operating income to assets2.1545%250
Return on assets (ROA)2.2082%239
Pretax return on assets2.4164%272
Return on Equity (ROE)14.5878%773
Retained earnings to average equity (ytd only)8.9373%1,220
Net charge-offs to loans0.3985%614
Credit loss provision to net charge-offs84.4191%1,789
Earnings coverage of net charge-offs (x)15.8073%1,603
Efficiency ratio40.4181%6,260
Assets per employee ($millions)5.9309%1,441
Cash dividends to net income (ytd only)*38.7342%2,074
Condition Ratios (%)
Loss allowance to loans2.9646%309
Loan loss allowance to noncurrent loans299.4279%1,598
Noncurrent assets plus other real estate owned to assets0.7010%3,382
Noncurrent loans to loans0.9901%2,789
Net loans and leases to total assets38.0568%5,720
Net loans and leases to deposits51.1276%5,382
Net loans and leases to core deposits54.8498%5,324
Total domestic deposits to total assets74.4349%5,873
Equity capital to assets15.2094%680
Core capital (leverage) ratio13.6331%929
Tier 1 risk-based capital ratio15.8785%2,978
Total risk-based capital ratio17.1305%2,917
Memoranda:
Average total assets$4,676,617,500209
Average earning assets$4,406,656,500198
Average equity$707,908,500169
Average total loans$1,848,912,500300
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6703%1,372
Cost of funding earning assets0.4178%3,498
Net interest margin4.2525%1,160
Noninterest income to average assets0.5216%3,348
Noninterest expense to average assets1.8366%6,021
Loan and lease loss provision to assets0.1404%1,890
Net operating income to assets2.2243%216
Return on assets (ROA)2.2360%208
Pretax return on assets2.5059%187
Return on Equity (ROE)16.1940%599
Retained earnings to average equity (ytd only)15.3879%138
Net charge-offs to loans0.1761%2,263
Credit loss provision to net charge-offs195.3827%1,264
Earnings coverage of net charge-offs (x)36.6551%1,160
Efficiency ratio40.1045%6,399
Assets per employee ($millions)5.8266%1,505
Cash dividends to net income (ytd only)*4.9779%4,233
Condition Ratios (%)
Loss allowance to loans2.9961%300
Loan loss allowance to noncurrent loans501.7893%1,065
Noncurrent assets plus other real estate owned to assets0.5859%3,833
Noncurrent loans to loans0.5971%3,879
Net loans and leases to total assets38.6637%5,812
Net loans and leases to deposits52.0143%5,480
Net loans and leases to core deposits56.0664%5,379
Total domestic deposits to total assets74.3328%5,918
Equity capital to assets15.0634%696
Core capital (leverage) ratio13.3203%1,022
Tier 1 risk-based capital ratio17.5079%2,313
Total risk-based capital ratio18.7624%2,281
Memoranda:
Average total assets$4,492,144,800203
Average earning assets$4,170,650,600198
Average equity$620,253,000176
Average total loans$1,832,571,400285
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7156%1,273
Cost of funding earning assets0.4225%3,549
Net interest margin4.2931%1,069
Noninterest income to average assets0.5260%3,350
Noninterest expense to average assets1.8236%6,060
Loan and lease loss provision to assets0.1410%1,770
Net operating income to assets2.2472%211
Return on assets (ROA)2.2610%213
Pretax return on assets2.5516%193
Return on Equity (ROE)16.7707%581
Retained earnings to average equity (ytd only)15.6617%178
Net charge-offs to loans0.2059%1,819
Credit loss provision to net charge-offs166.8790%1,466
Earnings coverage of net charge-offs (x)31.6780%1,319
Efficiency ratio39.5328%6,459
Assets per employee ($millions)5.8366%1,457
Cash dividends to net income (ytd only)*6.6131%3,660
Condition Ratios (%)
Loss allowance to loans2.9369%386
Loan loss allowance to noncurrent loans556.2198%896
Noncurrent assets plus other real estate owned to assets0.5897%4,075
Noncurrent loans to loans0.5280%4,350
Net loans and leases to total assets38.8954%5,892
Net loans and leases to deposits51.8878%5,534
Net loans and leases to core deposits56.6315%5,412
Total domestic deposits to total assets74.9606%5,931
Equity capital to assets14.4094%873
Core capital (leverage) ratio13.1249%1,131
Tier 1 risk-based capital ratio16.9580%2,633
Total risk-based capital ratio18.2123%2,583
Memoranda:
Average total assets$4,458,600,250202
Average earning assets$4,127,905,750194
Average equity$601,096,250176
Average total loans$1,829,725,750280
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7343%1,216
Cost of funding earning assets0.4297%3,554
Net interest margin4.3046%1,014
Noninterest income to average assets0.4825%3,611
Noninterest expense to average assets1.8300%6,102
Loan and lease loss provision to assets0.1417%1,745
Net operating income to assets2.2219%221
Return on assets (ROA)2.2315%225
Pretax return on assets2.4997%209
Return on Equity (ROE)16.9570%556
Retained earnings to average equity (ytd only)15.2353%203
Net charge-offs to loans0.0519%3,228
Credit loss provision to net charge-offs659.7046%472
Earnings coverage of net charge-offs (x)122.4726%479
Efficiency ratio40.0215%6,520
Assets per employee ($millions)5.5930%1,611
Cash dividends to net income (ytd only)*10.1531%3,465
Condition Ratios (%)
Loss allowance to loans2.9345%410
Loan loss allowance to noncurrent loans466.4823%990
Noncurrent assets plus other real estate owned to assets0.6996%3,883
Noncurrent loans to loans0.6291%4,137
Net loans and leases to total assets40.0761%5,808
Net loans and leases to deposits53.2628%5,402
Net loans and leases to core deposits57.9945%5,275
Total domestic deposits to total assets75.2423%6,002
Equity capital to assets13.8344%1,038
Core capital (leverage) ratio12.3322%1,482
Tier 1 risk-based capital ratio16.2721%2,943
Total risk-based capital ratio17.5268%2,891
Memoranda:
Average total assets$4,413,665,330203
Average earning assets$4,078,896,670196
Average equity$580,834,000182
Average total loans$1,826,074,000279
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7574%1,130
Cost of funding earning assets0.4389%3,544
Net interest margin4.3186%966
Noninterest income to average assets0.4061%4,135
Noninterest expense to average assets1.8295%6,179
Loan and lease loss provision to assets0.1427%1,707
Net operating income to assets2.1739%251
Return on assets (ROA)2.1883%253
Pretax return on assets2.4265%255
Return on Equity (ROE)17.0829%524
Retained earnings to average equity (ytd only)13.5004%435
Net charge-offs to loans0.1580%1,769
Credit loss provision to net charge-offs218.0926%980
Earnings coverage of net charge-offs (x)39.0168%892
Efficiency ratio40.7082%6,578
Assets per employee ($millions)5.6434%1,581
Cash dividends to net income (ytd only)*20.9714%2,501
Condition Ratios (%)
Loss allowance to loans2.9172%472
Loan loss allowance to noncurrent loans420.0475%1,104
Noncurrent assets plus other real estate owned to assets0.7748%3,807
Noncurrent loans to loans0.6945%4,131
Net loans and leases to total assets40.0258%5,807
Net loans and leases to deposits52.2853%5,440
Net loans and leases to core deposits57.3362%5,255
Total domestic deposits to total assets76.5526%6,020
Equity capital to assets13.1246%1,251
Core capital (leverage) ratio11.7752%1,779
Tier 1 risk-based capital ratio16.0627%3,145
Total risk-based capital ratio17.3178%3,092
Memoranda:
Average total assets$4,358,130,500204
Average earning assets$4,013,095,000198
Average equity$558,265,000184
Average total loans$1,805,031,000280
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9849%943
Cost of funding earning assets0.5075%3,533
Net interest margin4.4774%770
Noninterest income to average assets0.5536%3,375
Noninterest expense to average assets1.8194%6,290
Loan and lease loss provision to assets0.2513%1,437
Net operating income to assets2.3372%204
Return on assets (ROA)2.3406%207
Pretax return on assets2.6306%175
Return on Equity (ROE)18.9491%339
Retained earnings to average equity (ytd only)14.2410%193
Net charge-offs to loans0.0726%4,193
Credit loss provision to net charge-offs872.0743%286
Earnings coverage of net charge-offs (x)99.8579%466
Efficiency ratio37.7118%6,719
Assets per employee ($millions)5.6251%1,542
Cash dividends to net income (ytd only)*24.8462%3,518
Condition Ratios (%)
Loss allowance to loans2.9097%520
Loan loss allowance to noncurrent loans448.5341%1,057
Noncurrent assets plus other real estate owned to assets0.7997%3,882
Noncurrent loans to loans0.6487%4,352
Net loans and leases to total assets40.4002%5,931
Net loans and leases to deposits52.4235%5,595
Net loans and leases to core deposits56.9978%5,460
Total domestic deposits to total assets77.0651%5,960
Equity capital to assets12.4877%1,515
Core capital (leverage) ratio11.4416%2,003
Tier 1 risk-based capital ratio15.4945%3,379
Total risk-based capital ratio16.7497%3,328
Memoranda:
Average total assets$4,298,860,800200
Average earning assets$3,978,616,400192
Average equity$530,996,200189
Average total loans$1,706,638,600282
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9822%974
Cost of funding earning assets0.5351%3,416
Net interest margin4.4470%813
Noninterest income to average assets0.5383%3,531
Noninterest expense to average assets1.7792%6,373
Loan and lease loss provision to assets0.2860%1,202
Net operating income to assets2.3183%210
Return on assets (ROA)2.3338%217
Pretax return on assets2.6143%209
Return on Equity (ROE)18.9464%373
Retained earnings to average equity (ytd only)15.1674%192
Net charge-offs to loans0.1391%3,146
Credit loss provision to net charge-offs524.2321%534
Earnings coverage of net charge-offs (x)52.8425%834
Efficiency ratio37.1176%6,787
Assets per employee ($millions)5.5485%1,582
Cash dividends to net income (ytd only)*19.9457%3,090
Condition Ratios (%)
Loss allowance to loans2.8721%629
Loan loss allowance to noncurrent loans396.8292%1,086
Noncurrent assets plus other real estate owned to assets0.8681%3,940
Noncurrent loans to loans0.7238%4,403
Net loans and leases to total assets39.5217%6,070
Net loans and leases to deposits50.6087%5,794
Net loans and leases to core deposits55.7169%5,648
Total domestic deposits to total assets78.0927%5,884
Equity capital to assets12.2692%1,733
Core capital (leverage) ratio11.1679%2,329
Tier 1 risk-based capital ratio15.2156%3,614
Total risk-based capital ratio16.4701%3,570
Memoranda:
Average total assets$4,296,378,000195
Average earning assets$3,984,003,250188
Average equity$529,228,500186
Average total loans$1,685,066,000284
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9322%1,025
Cost of funding earning assets0.5481%3,436
Net interest margin4.3840%876
Noninterest income to average assets0.4982%3,854
Noninterest expense to average assets1.7213%6,479
Loan and lease loss provision to assets0.2849%1,275
Net operating income to assets2.3089%213
Return on assets (ROA)2.3398%218
Pretax return on assets2.6216%241
Return on Equity (ROE)18.9700%388
Retained earnings to average equity (ytd only)15.1997%224
Net charge-offs to loans0.2078%2,517
Credit loss provision to net charge-offs353.9573%733
Earnings coverage of net charge-offs (x)35.6742%1,015
Efficiency ratio36.4113%6,840
Assets per employee ($millions)5.4297%1,660
Cash dividends to net income (ytd only)*19.8752%3,004
Condition Ratios (%)
Loss allowance to loans2.7841%724
Loan loss allowance to noncurrent loans408.8031%1,043
Noncurrent assets plus other real estate owned to assets0.8786%4,043
Noncurrent loans to loans0.6810%4,574
Net loans and leases to total assets38.5495%6,137
Net loans and leases to deposits49.2238%5,902
Net loans and leases to core deposits54.4727%5,715
Total domestic deposits to total assets78.3147%5,922
Equity capital to assets12.1759%1,788
Core capital (leverage) ratio10.7806%2,583
Tier 1 risk-based capital ratio16.7697%2,802
Total risk-based capital ratio18.0255%2,776
Memoranda:
Average total assets$4,300,692,670193
Average earning assets$4,016,941,670186
Average equity$530,457,330184
Average total loans$1,665,772,670288
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9177%1,034
Cost of funding earning assets0.5766%3,318
Net interest margin4.3411%892
Noninterest income to average assets0.5572%3,386
Noninterest expense to average assets1.6372%6,637
Loan and lease loss provision to assets0.2827%1,249
Net operating income to assets2.3442%186
Return on assets (ROA)2.4044%190
Pretax return on assets2.7686%194
Return on Equity (ROE)19.3711%335
Retained earnings to average equity (ytd only)11.9158%710
Net charge-offs to loans0.3498%1,598
Credit loss provision to net charge-offs211.1265%1,044
Earnings coverage of net charge-offs (x)22.2709%1,142
Efficiency ratio34.3724%6,933
Assets per employee ($millions)5.7012%1,484
Cash dividends to net income (ytd only)*38.4867%1,894
Condition Ratios (%)
Loss allowance to loans2.6684%947
Loan loss allowance to noncurrent loans276.6127%1,413
Noncurrent assets plus other real estate owned to assets0.9753%3,975
Noncurrent loans to loans0.9647%4,208
Net loans and leases to total assets37.1687%6,210
Net loans and leases to deposits47.7688%5,938
Net loans and leases to core deposits53.0727%5,743
Total domestic deposits to total assets77.8096%6,136
Equity capital to assets12.4683%1,732
Core capital (leverage) ratio10.4212%2,882
Tier 1 risk-based capital ratio16.5174%2,991
Total risk-based capital ratio17.7723%2,945
Memoranda:
Average total assets$4,322,604,500196
Average earning assets$4,044,785,000186
Average equity$536,530,000187
Average total loans$1,654,661,000291
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1528%1,202
Cost of funding earning assets0.7100%3,413
Net interest margin4.4428%1,065
Noninterest income to average assets0.5894%3,340
Noninterest expense to average assets1.8538%6,549
Loan and lease loss provision to assets0.2962%2,310
Net operating income to assets2.2963%212
Return on assets (ROA)2.3644%204
Pretax return on assets2.6681%202
Return on Equity (ROE)20.0060%304
Retained earnings to average equity (ytd only)11.8712%339
Net charge-offs to loans0.5824%1,982
Credit loss provision to net charge-offs128.2206%2,196
Earnings coverage of net charge-offs (x)12.5025%1,921
Efficiency ratio38.0340%6,971
Assets per employee ($millions)5.7421%1,484
Cash dividends to net income (ytd only)*40.6620%2,817
Condition Ratios (%)
Loss allowance to loans2.5780%1,039
Loan loss allowance to noncurrent loans348.9597%1,129
Noncurrent assets plus other real estate owned to assets0.8866%4,273
Noncurrent loans to loans0.7388%4,703
Net loans and leases to total assets37.3822%6,342
Net loans and leases to deposits48.2671%6,092
Net loans and leases to core deposits53.3196%5,923
Total domestic deposits to total assets77.4488%6,177
Equity capital to assets12.3557%1,818
Core capital (leverage) ratio10.1577%3,186
Tier 1 risk-based capital ratio16.1261%3,088
Total risk-based capital ratio17.3806%3,042
Memoranda:
Average total assets$4,160,628,600199
Average earning assets$3,888,467,400188
Average equity$491,711,600196
Average total loans$1,650,004,400283
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1993%1,194
Cost of funding earning assets0.7353%3,476
Net interest margin4.4639%1,063
Noninterest income to average assets0.5931%3,324
Noninterest expense to average assets1.8451%6,622
Loan and lease loss provision to assets0.2985%2,205
Net operating income to assets2.3216%235
Return on assets (ROA)2.3784%233
Pretax return on assets2.6855%221
Return on Equity (ROE)20.3666%315
Retained earnings to average equity (ytd only)14.8298%247
Net charge-offs to loans0.2718%3,095
Credit loss provision to net charge-offs274.6282%991
Earnings coverage of net charge-offs (x)26.8668%1,201
Efficiency ratio37.6488%7,050
Assets per employee ($millions)5.5540%1,584
Cash dividends to net income (ytd only)*27.1857%2,763
Condition Ratios (%)
Loss allowance to loans2.7608%920
Loan loss allowance to noncurrent loans284.3129%1,297
Noncurrent assets plus other real estate owned to assets0.9485%4,387
Noncurrent loans to loans0.9710%4,498
Net loans and leases to total assets38.3376%6,401
Net loans and leases to deposits49.7196%6,133
Net loans and leases to core deposits54.9965%5,969
Total domestic deposits to total assets77.1077%6,214
Equity capital to assets12.5173%1,879
Core capital (leverage) ratio10.4080%3,030
Tier 1 risk-based capital ratio16.0804%3,226
Total risk-based capital ratio17.3366%3,192
Memoranda:
Average total assets$4,124,140,000204
Average earning assets$3,854,631,000190
Average equity$481,612,750201
Average total loans$1,649,381,000284
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2225%1,194
Cost of funding earning assets0.7648%3,480
Net interest margin4.4577%1,066
Noninterest income to average assets0.5734%3,422
Noninterest expense to average assets1.8431%6,694
Loan and lease loss provision to assets0.2999%2,185
Net operating income to assets2.2986%242
Return on assets (ROA)2.3786%242
Pretax return on assets2.6823%228
Return on Equity (ROE)20.8816%297
Retained earnings to average equity (ytd only)12.3113%534
Net charge-offs to loans0.2677%2,975
Credit loss provision to net charge-offs278.7659%1,054
Earnings coverage of net charge-offs (x)26.8852%1,148
Efficiency ratio37.8313%7,095
Assets per employee ($millions)5.4859%1,635
Cash dividends to net income (ytd only)*41.0425%2,134
Condition Ratios (%)
Loss allowance to loans2.6610%1,083
Loan loss allowance to noncurrent loans279.6121%1,277
Noncurrent assets plus other real estate owned to assets0.9530%4,460
Noncurrent loans to loans0.9517%4,603
Net loans and leases to total assets38.1054%6,470
Net loans and leases to deposits49.3004%6,219
Net loans and leases to core deposits54.2940%6,072
Total domestic deposits to total assets77.2923%6,282
Equity capital to assets11.6934%2,418
Core capital (leverage) ratio9.5361%4,097
Tier 1 risk-based capital ratio15.1706%3,653
Total risk-based capital ratio16.4260%3,616
Memoranda:
Average total assets$4,097,397,330203
Average earning assets$3,825,615,330190
Average equity$466,726,330206
Average total loans$1,646,635,330282
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2423%1,227
Cost of funding earning assets0.7952%3,513
Net interest margin4.4471%1,117
Noninterest income to average assets0.6653%2,835
Noninterest expense to average assets1.9011%6,646
Loan and lease loss provision to assets0.3040%2,070
Net operating income to assets2.3291%231
Return on assets (ROA)2.3784%264
Pretax return on assets2.6677%268
Return on Equity (ROE)21.1725%307
Retained earnings to average equity (ytd only)21.1725%155
Net charge-offs to loans0.3384%2,303
Credit loss provision to net charge-offs220.5312%1,261
Earnings coverage of net charge-offs (x)21.1565%1,162
Efficiency ratio38.4775%7,140
Assets per employee ($millions)5.4894%1,703
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5420%1,296
Loan loss allowance to noncurrent loans244.9735%1,369
Noncurrent assets plus other real estate owned to assets1.0611%4,368
Noncurrent loans to loans1.0376%4,615
Net loans and leases to total assets39.1309%6,417
Net loans and leases to deposits50.3417%6,112
Net loans and leases to core deposits55.9808%5,905
Total domestic deposits to total assets77.7305%6,306
Equity capital to assets11.6067%2,347
Core capital (leverage) ratio9.6588%3,832
Tier 1 risk-based capital ratio15.5070%3,444
Total risk-based capital ratio16.7620%3,418
Memoranda:
Average total assets$4,042,256,000202
Average earning assets$3,774,124,500191
Average equity$454,079,000205
Average total loans$1,646,361,000280
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5716%1,013
Cost of funding earning assets0.9829%3,493
Net interest margin4.5887%945
Noninterest income to average assets0.6193%3,065
Noninterest expense to average assets1.9929%6,683
Loan and lease loss provision to assets0.3255%3,081
Net operating income to assets2.2591%202
Return on assets (ROA)2.3198%189
Pretax return on assets2.6282%173
Return on Equity (ROE)22.8935%161
Retained earnings to average equity (ytd only)21.3270%40
Net charge-offs to loans0.5730%2,734
Credit loss provision to net charge-offs133.6048%2,269
Earnings coverage of net charge-offs (x)11.8391%1,676
Efficiency ratio39.8170%7,215
Assets per employee ($millions)5.4134%1,729
Cash dividends to net income (ytd only)*6.8426%3,945
Condition Ratios (%)
Loss allowance to loans2.4069%1,454
Loan loss allowance to noncurrent loans227.7216%1,461
Noncurrent assets plus other real estate owned to assets1.1330%4,343
Noncurrent loans to loans1.0570%4,596
Net loans and leases to total assets40.3205%6,526
Net loans and leases to deposits51.0692%6,284
Net loans and leases to core deposits57.3370%6,054
Total domestic deposits to total assets78.9527%6,005
Equity capital to assets10.8542%3,134
Core capital (leverage) ratio9.2459%4,395
Tier 1 risk-based capital ratio14.5020%3,974
Total risk-based capital ratio15.7561%3,947
Memoranda:
Average total assets$3,779,873,200209
Average earning assets$3,507,678,200201
Average equity$383,016,800229
Average total loans$1,607,347,000284
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5867%1,064
Cost of funding earning assets1.0173%3,548
Net interest margin4.5694%1,007
Noninterest income to average assets0.6223%3,042
Noninterest expense to average assets2.0186%6,656
Loan and lease loss provision to assets0.3301%2,900
Net operating income to assets2.2245%247
Return on assets (ROA)2.2531%252
Pretax return on assets2.5420%230
Return on Equity (ROE)22.6702%195
Retained earnings to average equity (ytd only)20.5077%72
Net charge-offs to loans0.4453%2,942
Credit loss provision to net charge-offs173.0054%1,730
Earnings coverage of net charge-offs (x)14.8830%1,503
Efficiency ratio40.4862%7,246
Assets per employee ($millions)5.2622%1,857
Cash dividends to net income (ytd only)*9.5393%3,280
Condition Ratios (%)
Loss allowance to loans2.5143%1,376
Loan loss allowance to noncurrent loans157.0910%1,942
Noncurrent assets plus other real estate owned to assets1.2338%4,329
Noncurrent loans to loans1.6005%3,897
Net loans and leases to total assets40.2922%6,605
Net loans and leases to deposits51.2115%6,430
Net loans and leases to core deposits57.6115%6,161
Total domestic deposits to total assets78.6779%6,052
Equity capital to assets10.4910%3,715
Core capital (leverage) ratio8.8772%5,145
Tier 1 risk-based capital ratio13.7907%4,505
Total risk-based capital ratio15.0456%4,467
Memoranda:
Average total assets$3,722,000,000209
Average earning assets$3,450,731,000201
Average equity$369,920,750233
Average total loans$1,594,860,750283
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6028%1,064
Cost of funding earning assets1.0473%3,621
Net interest margin4.5555%1,002
Noninterest income to average assets0.6367%2,912
Noninterest expense to average assets2.0095%6,771
Loan and lease loss provision to assets0.3350%2,775
Net operating income to assets2.2031%263
Return on assets (ROA)2.2362%264
Pretax return on assets2.5449%228
Return on Equity (ROE)22.9549%200
Retained earnings to average equity (ytd only)19.5871%100
Net charge-offs to loans0.4103%2,909
Credit loss provision to net charge-offs188.1757%1,605
Earnings coverage of net charge-offs (x)15.9650%1,373
Efficiency ratio40.3356%7,332
Assets per employee ($millions)5.0007%2,119
Cash dividends to net income (ytd only)*14.6714%3,018
Condition Ratios (%)
Loss allowance to loans2.4719%1,487
Loan loss allowance to noncurrent loans195.2547%1,556
Noncurrent assets plus other real estate owned to assets1.0963%4,697
Noncurrent loans to loans1.2660%4,550
Net loans and leases to total assets41.3415%6,639
Net loans and leases to deposits51.4212%6,508
Net loans and leases to core deposits57.9837%6,274
Total domestic deposits to total assets80.3977%5,712
Equity capital to assets9.5357%4,760
Core capital (leverage) ratio8.4020%5,706
Tier 1 risk-based capital ratio13.0632%4,868
Total risk-based capital ratio14.3182%4,844
Memoranda:
Average total assets$3,657,637,670216
Average earning assets$3,384,374,000206
Average equity$356,316,670238
Average total loans$1,587,095,000292
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5598%1,154
Cost of funding earning assets1.0687%3,728
Net interest margin4.4910%1,088
Noninterest income to average assets0.7711%2,151
Noninterest expense to average assets2.0238%6,793
Loan and lease loss provision to assets0.3400%2,520
Net operating income to assets2.2114%256
Return on assets (ROA)2.2572%254
Pretax return on assets2.6144%217
Return on Equity (ROE)22.9151%216
Retained earnings to average equity (ytd only)22.9151%125
Net charge-offs to loans0.5601%2,089
Credit loss provision to net charge-offs138.2353%2,026
Earnings coverage of net charge-offs (x)11.7941%1,532
Efficiency ratio40.0072%7,389
Assets per employee ($millions)5.1220%2,000
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.3938%1,612
Loan loss allowance to noncurrent loans172.9700%1,690
Noncurrent assets plus other real estate owned to assets1.2327%4,488
Noncurrent loans to loans1.3839%4,396
Net loans and leases to total assets41.7331%6,648
Net loans and leases to deposits52.6116%6,430
Net loans and leases to core deposits59.7556%6,114
Total domestic deposits to total assets79.3230%6,111
Equity capital to assets10.0808%3,669
Core capital (leverage) ratio8.4614%5,527
Tier 1 risk-based capital ratio13.0245%4,810
Total risk-based capital ratio14.2790%4,790
Memoranda:
Average total assets$3,593,680,000216
Average earning assets$3,323,886,500208
Average equity$353,985,000234
Average total loans$1,578,307,000294
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6178%1,827
Cost of funding earning assets1.2546%4,187
Net interest margin4.3632%1,607
Noninterest income to average assets0.7674%2,443
Noninterest expense to average assets2.2462%6,491
Loan and lease loss provision to assets0.3763%3,865
Net operating income to assets2.0402%267
Return on assets (ROA)2.0463%274
Pretax return on assets2.1539%357
Return on Equity (ROE)21.0215%201
Retained earnings to average equity (ytd only)21.0215%48
Net charge-offs to loans0.4720%3,734
Credit loss provision to net charge-offs167.4650%2,033
Earnings coverage of net charge-offs (x)11.2313%1,625
Efficiency ratio45.8112%7,360
Assets per employee ($millions)4.6985%2,559
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.3226%1,663
Loan loss allowance to noncurrent loans172.4631%1,728
Noncurrent assets plus other real estate owned to assets1.3552%4,310
Noncurrent loans to loans1.3467%4,466
Net loans and leases to total assets44.0885%6,704
Net loans and leases to deposits55.4614%6,485
Net loans and leases to core deposits63.0486%6,145
Total domestic deposits to total assets79.4941%5,970
Equity capital to assets9.6085%4,262
Core capital (leverage) ratio7.7489%6,499
Tier 1 risk-based capital ratio11.7315%5,700
Total risk-based capital ratio12.9860%5,703
Memoranda:
Average total assets$3,270,449,600233
Average earning assets$3,000,179,400227
Average equity$318,355,600246
Average total loans$1,556,896,800304
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6142%2,016
Cost of funding earning assets1.2847%4,329
Net interest margin4.3295%1,745
Noninterest income to average assets0.7585%2,459
Noninterest expense to average assets2.2090%6,582
Loan and lease loss provision to assets0.3828%3,594
Net operating income to assets2.0197%326
Return on assets (ROA)2.0148%358
Pretax return on assets2.1270%476
Return on Equity (ROE)20.6248%279
Retained earnings to average equity (ytd only)20.6248%73
Net charge-offs to loans0.4276%3,582
Credit loss provision to net charge-offs185.4355%1,946
Earnings coverage of net charge-offs (x)12.1831%1,714
Efficiency ratio45.4275%7,407
Assets per employee ($millions)4.4727%2,948
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3224%1,592
Loan loss allowance to noncurrent loans135.1309%2,093
Noncurrent assets plus other real estate owned to assets1.5174%4,173
Noncurrent loans to loans1.7186%4,066
Net loans and leases to total assets45.0022%6,774
Net loans and leases to deposits57.9141%6,466
Net loans and leases to core deposits66.3399%6,097
Total domestic deposits to total assets77.7050%6,317
Equity capital to assets10.2859%3,787
Core capital (leverage) ratio7.7241%6,645
Tier 1 risk-based capital ratio11.8241%5,617
Total risk-based capital ratio13.0796%5,592
Memoranda:
Average total assets$3,210,614,000232
Average earning assets$2,940,688,250227
Average equity$313,634,500244
Average total loans$1,550,068,500305
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6029%2,130
Cost of funding earning assets1.3269%4,365
Net interest margin4.2759%1,867
Noninterest income to average assets0.7901%2,172
Noninterest expense to average assets2.2571%6,486
Loan and lease loss provision to assets0.3883%3,390
Net operating income to assets1.9715%347
Return on assets (ROA)1.9268%416
Pretax return on assets2.0065%598
Return on Equity (ROE)20.1031%311
Retained earnings to average equity (ytd only)20.1031%88
Net charge-offs to loans0.5892%2,760
Credit loss provision to net charge-offs134.3195%2,987
Earnings coverage of net charge-offs (x)8.4447%2,135
Efficiency ratio46.6410%7,410
Assets per employee ($millions)4.3411%3,144
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1605%1,842
Loan loss allowance to noncurrent loans140.9231%1,972
Noncurrent assets plus other real estate owned to assets1.4596%4,273
Noncurrent loans to loans1.5331%4,417
Net loans and leases to total assets46.4595%6,750
Net loans and leases to deposits59.4196%6,466
Net loans and leases to core deposits68.5157%6,018
Total domestic deposits to total assets78.1888%6,227
Equity capital to assets9.9490%4,079
Core capital (leverage) ratio7.4043%6,916
Tier 1 risk-based capital ratio11.2022%6,036
Total risk-based capital ratio12.4564%6,016
Memoranda:
Average total assets$3,156,673,670236
Average earning assets$2,885,351,670231
Average equity$302,550,670251
Average total loans$1,548,840,000304
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5675%2,296
Cost of funding earning assets1.3588%4,428
Net interest margin4.2087%2,007
Noninterest income to average assets0.7525%2,286
Noninterest expense to average assets2.1840%6,730
Loan and lease loss provision to assets0.3936%3,008
Net operating income to assets1.9518%379
Return on assets (ROA)1.8050%538
Pretax return on assets1.8695%775
Return on Equity (ROE)19.2157%423
Retained earnings to average equity (ytd only)19.2157%204
Net charge-offs to loans0.8332%1,867
Credit loss provision to net charge-offs94.6733%3,553
Earnings coverage of net charge-offs (x)5.8080%2,331
Efficiency ratio46.0035%7,551
Assets per employee ($millions)4.3537%3,201
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0229%2,126
Loan loss allowance to noncurrent loans134.8652%2,076
Noncurrent assets plus other real estate owned to assets1.5281%4,209
Noncurrent loans to loans1.4999%4,492
Net loans and leases to total assets48.5893%6,616
Net loans and leases to deposits61.6556%6,311
Net loans and leases to core deposits71.3306%5,793
Total domestic deposits to total assets78.8076%6,119
Equity capital to assets9.5645%4,435
Core capital (leverage) ratio7.2778%7,050
Tier 1 risk-based capital ratio10.7319%6,406
Total risk-based capital ratio11.9854%6,388
Memoranda:
Average total assets$3,107,098,000247
Average earning assets$2,839,278,500240
Average equity$291,865,500261
Average total loans$1,550,238,500312
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8195%2,580
Cost of funding earning assets1.7237%4,389
Net interest margin4.0958%2,468
Noninterest income to average assets0.8537%2,166
Noninterest expense to average assets2.6114%5,759
Loan and lease loss provision to assets0.7146%2,974
Net operating income to assets1.2660%1,099
Return on assets (ROA)1.4105%886
Pretax return on assets1.4005%1,438
Return on Equity (ROE)15.8671%572
Retained earnings to average equity (ytd only)7.5989%805
Net charge-offs to loans0.4507%3,982
Credit loss provision to net charge-offs296.1306%1,125
Earnings coverage of net charge-offs (x)8.1663%1,986
Efficiency ratio55.3259%7,093
Assets per employee ($millions)4.1433%3,534
Cash dividends to net income (ytd only)*52.1089%2,373
Condition Ratios (%)
Loss allowance to loans2.0739%1,868
Loan loss allowance to noncurrent loans170.7078%1,715
Noncurrent assets plus other real estate owned to assets1.4005%4,316
Noncurrent loans to loans1.2149%4,923
Net loans and leases to total assets49.1629%6,713
Net loans and leases to deposits62.3470%6,427
Net loans and leases to core deposits81.6667%5,940
Total domestic deposits to total assets78.8537%6,022
Equity capital to assets9.2170%4,818
Core capital (leverage) ratio7.1485%7,112
Tier 1 risk-based capital ratio10.6275%6,273
Total risk-based capital ratio11.8817%6,241
Memoranda:
Average total assets$2,881,054,600259
Average earning assets$2,622,423,800256
Average equity$256,115,000281
Average total loans$1,542,644,600326
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8416%2,698
Cost of funding earning assets1.7893%4,426
Net interest margin4.0523%2,590
Noninterest income to average assets0.8510%2,196
Noninterest expense to average assets2.6365%5,575
Loan and lease loss provision to assets0.5107%3,341
Net operating income to assets1.2995%1,218
Return on assets (ROA)1.3651%1,150
Pretax return on assets1.4611%1,516
Return on Equity (ROE)15.5104%712
Retained earnings to average equity (ytd only)7.3766%1,363
Net charge-offs to loans0.3712%3,799
Credit loss provision to net charge-offs252.7209%1,694
Earnings coverage of net charge-offs (x)9.4079%2,114
Efficiency ratio56.3733%6,949
Assets per employee ($millions)3.9547%3,817
Cash dividends to net income (ytd only)*52.4410%1,907
Condition Ratios (%)
Loss allowance to loans1.5849%3,052
Loan loss allowance to noncurrent loans168.5081%1,728
Noncurrent assets plus other real estate owned to assets1.2264%4,612
Noncurrent loans to loans0.9406%5,415
Net loans and leases to total assets51.5794%6,645
Net loans and leases to deposits66.2477%6,288
Net loans and leases to core deposits86.0582%5,863
Total domestic deposits to total assets77.8583%6,125
Equity capital to assets9.2617%5,076
Core capital (leverage) ratio7.1187%7,349
Tier 1 risk-based capital ratio10.5912%6,356
Total risk-based capital ratio11.8415%6,328
Memoranda:
Average total assets$2,836,877,750269
Average earning assets$2,581,029,250271
Average equity$249,685,000297
Average total loans$1,544,525,000342
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8439%2,837
Cost of funding earning assets1.8628%4,451
Net interest margin3.9811%2,780
Noninterest income to average assets0.8366%2,237
Noninterest expense to average assets2.7089%5,355
Loan and lease loss provision to assets0.4143%3,460
Net operating income to assets1.2558%1,342
Return on assets (ROA)1.3009%1,307
Pretax return on assets1.3780%1,793
Return on Equity (ROE)15.0612%823
Retained earnings to average equity (ytd only)7.0058%1,587
Net charge-offs to loans0.4408%3,049
Credit loss provision to net charge-offs170.3332%2,700
Earnings coverage of net charge-offs (x)7.1719%2,480
Efficiency ratio59.0137%6,691
Assets per employee ($millions)3.7228%4,274
Cash dividends to net income (ytd only)*53.4844%1,915
Condition Ratios (%)
Loss allowance to loans1.3358%4,067
Loan loss allowance to noncurrent loans118.5682%2,489
Noncurrent assets plus other real estate owned to assets1.3127%4,321
Noncurrent loans to loans1.1266%4,966
Net loans and leases to total assets52.4998%6,622
Net loans and leases to deposits66.3261%6,358
Net loans and leases to core deposits87.9331%5,731
Total domestic deposits to total assets79.1541%5,764
Equity capital to assets8.7388%5,701
Core capital (leverage) ratio8.0802%6,198
Tier 1 risk-based capital ratio10.8699%6,009
Total risk-based capital ratio11.9855%6,090
Memoranda:
Average total assets$2,788,553,670283
Average earning assets$2,533,166,670281
Average equity$240,857,000307
Average total loans$1,538,437,330353
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8814%2,890
Cost of funding earning assets1.9428%4,412
Net interest margin3.9387%2,891
Noninterest income to average assets0.7989%2,332
Noninterest expense to average assets2.8098%4,515
Loan and lease loss provision to assets0.4134%2,855
Net operating income to assets1.1243%1,879
Return on assets (ROA)1.1584%1,898
Pretax return on assets1.1814%2,683
Return on Equity (ROE)14.0803%1,152
Retained earnings to average equity (ytd only)2.8762%4,269
Net charge-offs to loans0.6258%1,922
Credit loss provision to net charge-offs114.0907%3,406
Earnings coverage of net charge-offs (x)4.3052%2,916
Efficiency ratio62.7816%5,911
Assets per employee ($millions)3.6168%4,532
Cash dividends to net income (ytd only)*79.5730%1,076
Condition Ratios (%)
Loss allowance to loans1.2754%4,237
Loan loss allowance to noncurrent loans149.1304%2,160
Noncurrent assets plus other real estate owned to assets1.2956%4,089
Noncurrent loans to loans0.8552%5,314
Net loans and leases to total assets55.2874%6,330
Net loans and leases to deposits71.3519%5,821
Net loans and leases to core deposits93.7469%5,184
Total domestic deposits to total assets77.4855%6,152
Equity capital to assets8.2621%6,443
Core capital (leverage) ratio6.9497%7,667
Tier 1 risk-based capital ratio10.2365%6,668
Total risk-based capital ratio11.3324%6,742
Memoranda:
Average total assets$2,506,904,000312
Average earning assets$2,272,854,000316
Average equity$206,245,500357
Average total loans$1,451,540,500374
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2491%4,248
Cost of funding earning assets2.4761%4,331
Net interest margin3.7729%4,126
Noninterest income to average assets0.7076%3,078
Noninterest expense to average assets2.5285%5,895
Loan and lease loss provision to assets0.1905%4,980
Net operating income to assets1.0844%2,207
Return on assets (ROA)1.0055%2,421
Pretax return on assets1.2685%2,413
Return on Equity (ROE)12.1893%1,551
Retained earnings to average equity (ytd only)4.4265%2,372
Net charge-offs to loans0.1915%4,272
Credit loss provision to net charge-offs160.3006%3,223
Earnings coverage of net charge-offs (x)13.1173%2,166
Efficiency ratio60.0482%6,329
Assets per employee ($millions)3.3759%5,013
Cash dividends to net income (ytd only)*63.6856%2,490
Condition Ratios (%)
Loss allowance to loans1.2546%4,090
Loan loss allowance to noncurrent loans120.7189%2,970
Noncurrent assets plus other real estate owned to assets1.4831%3,255
Noncurrent loans to loans1.0393%4,507
Net loans and leases to total assets59.1854%6,030
Net loans and leases to deposits74.7272%5,770
Net loans and leases to core deposits98.0635%5,032
Total domestic deposits to total assets79.2020%5,297
Equity capital to assets8.1896%6,567
Core capital (leverage) ratio7.2344%7,489
Tier 1 risk-based capital ratio10.5559%6,150
Total risk-based capital ratio11.6785%6,159
Memoranda:
Average total assets$2,295,381,400317
Average earning assets$2,056,258,400321
Average equity$189,337,600389
Average total loans$1,424,343,000366