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First Security Bank - Sleepy Eye, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2061%4,482
Cost of funding earning assets0.6786%3,955
Net interest margin2.5274%4,068
Noninterest income to average assets0.3300%2,919
Noninterest expense to average assets2.0387%3,533
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.6193%3,389
Return on assets (ROA)-1.1428%4,529
Pretax return on assets-1.1852%4,527
Return on Equity (ROE)-17.1200%4,534
Retained earnings to average equity (ytd only)-17.1207%4,507
Net charge-offs to loans0.0100%2,275
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)195.2500%594
Efficiency ratio75.8167%1,262
Assets per employee ($millions)7.6091%1,655
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.5427%958
Loan loss allowance to noncurrent loans2,987.1795%373
Noncurrent assets plus other real estate owned to assets0.0165%3,634
Noncurrent loans to loans0.0516%3,353
Net loans and leases to total assets31.5200%4,264
Net loans and leases to deposits34.4904%4,294
Net loans and leases to core deposits35.4617%4,345
Total domestic deposits to total assets91.3900%410
Equity capital to assets7.9896%3,426
Core capital (leverage) ratio11.7052%1,555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.6290%318
Memoranda:
Average total assets$240,203,2002,736
Average earning assets$224,416,8002,718
Average equity$16,033,2003,180
Average total loans$79,804,6003,410
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1235%4,506
Cost of funding earning assets0.6245%3,933
Net interest margin2.4990%4,144
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets1.9888%3,622
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.5946%3,558
Return on assets (ROA)-0.3890%4,509
Pretax return on assets-0.4454%4,508
Return on Equity (ROE)-6.1200%4,509
Retained earnings to average equity (ytd only)-6.1229%4,443
Net charge-offs to loans0.0808%914
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)25.3061%1,689
Efficiency ratio74.3749%1,331
Assets per employee ($millions)7.2792%1,765
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.4671%1,202
Loan loss allowance to noncurrent loans780.5556%1,057
Noncurrent assets plus other real estate owned to assets0.0638%3,190
Noncurrent loans to loans0.1880%2,608
Net loans and leases to total assets33.4500%4,253
Net loans and leases to deposits35.9284%4,300
Net loans and leases to core deposits36.7274%4,315
Total domestic deposits to total assets93.1100%281
Equity capital to assets6.2427%3,908
Core capital (leverage) ratio12.3157%1,299
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.6005%288
Memoranda:
Average total assets$241,283,7502,734
Average earning assets$226,751,7502,709
Average equity$15,330,0003,220
Average total loans$80,877,0003,403
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0127%4,548
Cost of funding earning assets0.5286%3,925
Net interest margin2.4841%4,222
Noninterest income to average assets0.3200%2,963
Noninterest expense to average assets1.9149%3,783
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.7367%3,251
Return on assets (ROA)-0.6994%4,577
Pretax return on assets-0.6994%4,569
Return on Equity (ROE)-10.9500%4,585
Retained earnings to average equity (ytd only)-10.9500%4,528
Net charge-offs to loans-0.0024%3,561
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio72.2154%1,529
Assets per employee ($millions)7.1524%1,815
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.5243%1,108
Loan loss allowance to noncurrent loans970.2479%975
Noncurrent assets plus other real estate owned to assets0.0513%3,266
Noncurrent loans to loans0.1571%2,688
Net loans and leases to total assets32.1300%4,281
Net loans and leases to deposits34.5925%4,323
Net loans and leases to core deposits35.4235%4,338
Total domestic deposits to total assets92.8900%266
Equity capital to assets6.8771%3,857
Core capital (leverage) ratio12.0551%1,342
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.2910%286
Memoranda:
Average total assets$246,493,6672,712
Average earning assets$231,552,3332,694
Average equity$15,744,3333,208
Average total loans$82,298,6673,386
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8409%4,595
Cost of funding earning assets0.4718%3,773
Net interest margin2.3691%4,405
Noninterest income to average assets0.3100%2,990
Noninterest expense to average assets1.8846%3,885
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.6515%3,581
Return on assets (ROA)-2.2215%4,649
Pretax return on assets-2.2215%4,642
Return on Equity (ROE)-36.0800%4,647
Retained earnings to average equity (ytd only)-36.0763%4,651
Net charge-offs to loans-0.0047%3,617
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio74.3108%1,312
Assets per employee ($millions)7.2891%1,755
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.4808%1,337
Loan loss allowance to noncurrent loans40.4270%3,760
Noncurrent assets plus other real estate owned to assets1.2073%298
Noncurrent loans to loans3.6630%104
Net loans and leases to total assets32.4700%4,312
Net loans and leases to deposits34.9659%4,353
Net loans and leases to core deposits35.8634%4,370
Total domestic deposits to total assets92.8600%330
Equity capital to assets6.9431%3,861
Core capital (leverage) ratio11.2523%1,697
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.0253%354
Memoranda:
Average total assets$251,726,0002,722
Average earning assets$236,548,0002,690
Average equity$15,500,5003,262
Average total loans$84,938,5003,403
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5370%4,489
Cost of funding earning assets0.1753%3,953
Net interest margin2.3618%4,381
Noninterest income to average assets0.2900%3,396
Noninterest expense to average assets1.8178%4,001
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.5437%4,008
Return on assets (ROA)0.1601%4,459
Pretax return on assets0.2023%4,444
Return on Equity (ROE)2.3300%4,356
Retained earnings to average equity (ytd only)2.3288%3,910
Net charge-offs to loans0.0563%1,090
Credit loss provision to net charge-offs20.0000%1,931
Earnings coverage of net charge-offs (x)37.0600%1,552
Efficiency ratio72.4420%1,392
Assets per employee ($millions)7.7327%1,466
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.2947%1,925
Loan loss allowance to noncurrent loans843.8849%1,119
Noncurrent assets plus other real estate owned to assets0.0529%3,271
Noncurrent loans to loans0.1534%2,727
Net loans and leases to total assets34.0100%4,284
Net loans and leases to deposits36.5557%4,330
Net loans and leases to core deposits37.2071%4,352
Total domestic deposits to total assets93.0500%393
Equity capital to assets5.4391%4,256
Core capital (leverage) ratio11.4534%1,542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.1213%364
Memoranda:
Average total assets$267,964,2002,618
Average earning assets$251,635,4002,603
Average equity$18,421,4003,085
Average total loans$88,747,4003,305
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4170%4,491
Cost of funding earning assets0.1295%4,041
Net interest margin2.2875%4,411
Noninterest income to average assets0.2900%3,445
Noninterest expense to average assets1.7635%4,046
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.4773%4,124
Return on assets (ROA)-0.0317%4,585
Pretax return on assets0.0243%4,548
Return on Equity (ROE)-0.4400%4,570
Retained earnings to average equity (ytd only)-0.4387%4,381
Net charge-offs to loans0.0770%767
Credit loss provision to net charge-offs19.6078%1,629
Earnings coverage of net charge-offs (x)26.6667%1,579
Efficiency ratio72.3633%1,467
Assets per employee ($millions)7.0814%1,885
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.3563%1,778
Loan loss allowance to noncurrent loans308.4211%2,150
Noncurrent assets plus other real estate owned to assets0.1491%2,566
Noncurrent loans to loans0.4398%1,707
Net loans and leases to total assets33.4400%4,323
Net loans and leases to deposits35.2218%4,388
Net loans and leases to core deposits36.7999%4,378
Total domestic deposits to total assets94.9300%237
Equity capital to assets4.3365%4,432
Core capital (leverage) ratio10.7655%1,908
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.6196%361
Memoranda:
Average total assets$269,227,2502,630
Average earning assets$253,253,2502,617
Average equity$19,451,7503,042
Average total loans$88,284,7503,324
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3037%4,518
Cost of funding earning assets0.1144%4,028
Net interest margin2.1894%4,446
Noninterest income to average assets0.2715%3,543
Noninterest expense to average assets1.7424%4,069
Loan and lease loss provision to assets0.0073%2,470
Net operating income to assets0.5170%3,852
Return on assets (ROA)0.5124%3,818
Pretax return on assets0.5708%3,870
Return on Equity (ROE)6.3099%3,497
Retained earnings to average equity (ytd only)6.3099%2,233
Net charge-offs to loans0.0022%2,019
Credit loss provision to net charge-offs1,000.0000%404
Earnings coverage of net charge-offs (x)799.0000%175
Efficiency ratio74.9215%1,397
Assets per employee ($millions)7.9428%1,340
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.4232%1,658
Loan loss allowance to noncurrent loans32.4655%3,916
Noncurrent assets plus other real estate owned to assets1.3540%285
Noncurrent loans to loans4.3838%80
Net loans and leases to total assets30.4462%4,448
Net loans and leases to deposits32.3961%4,488
Net loans and leases to core deposits32.8511%4,511
Total domestic deposits to total assets93.9809%286
Equity capital to assets5.9119%4,225
Core capital (leverage) ratio10.9432%1,651
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.7615%331
Memoranda:
Average total assets$273,992,6672,619
Average earning assets$257,060,0002,618
Average equity$22,250,6672,870
Average total loans$88,909,0003,340
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1961%4,534
Cost of funding earning assets0.1123%3,978
Net interest margin2.0838%4,459
Noninterest income to average assets0.2677%3,525
Noninterest expense to average assets1.7368%4,079
Loan and lease loss provision to assets0.0147%2,088
Net operating income to assets0.4544%3,834
Return on assets (ROA)0.4544%3,801
Pretax return on assets0.4809%3,902
Return on Equity (ROE)4.9129%3,646
Retained earnings to average equity (ytd only)4.9129%2,617
Net charge-offs to loans0.0088%1,424
Credit loss provision to net charge-offs500.0000%514
Earnings coverage of net charge-offs (x)168.5000%487
Efficiency ratio77.7997%1,331
Assets per employee ($millions)7.8568%1,466
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.4199%1,832
Loan loss allowance to noncurrent loans111.8132%3,267
Noncurrent assets plus other real estate owned to assets0.4088%1,481
Noncurrent loans to loans1.2699%691
Net loans and leases to total assets31.7341%4,391
Net loans and leases to deposits34.4537%4,436
Net loans and leases to core deposits34.9962%4,458
Total domestic deposits to total assets92.1065%537
Equity capital to assets7.7744%3,750
Core capital (leverage) ratio10.5691%1,795
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.6759%348
Memoranda:
Average total assets$271,989,5002,648
Average earning assets$256,450,5002,639
Average equity$25,158,5002,759
Average total loans$90,432,5003,325
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8569%4,125
Cost of funding earning assets0.1247%4,189
Net interest margin2.7322%3,812
Noninterest income to average assets0.3397%3,380
Noninterest expense to average assets1.9404%3,835
Loan and lease loss provision to assets-0.0733%4,458
Net operating income to assets0.9706%2,793
Return on assets (ROA)0.9706%2,853
Pretax return on assets1.0563%3,116
Return on Equity (ROE)8.4592%3,090
Retained earnings to average equity (ytd only)8.4592%1,361
Net charge-offs to loans-0.0062%3,601
Credit loss provision to net charge-offs3,150.0000%214
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3749%2,212
Assets per employee ($millions)7.4824%1,629
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.2786%2,462
Loan loss allowance to noncurrent loans229.7348%2,410
Noncurrent assets plus other real estate owned to assets0.1907%2,608
Noncurrent loans to loans0.5565%1,734
Net loans and leases to total assets33.8306%4,384
Net loans and leases to deposits37.9136%4,408
Net loans and leases to core deposits38.5452%4,438
Total domestic deposits to total assets89.2309%1,395
Equity capital to assets10.6734%2,028
Core capital (leverage) ratio10.5012%1,917
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9255%450
Memoranda:
Average total assets$257,887,8002,676
Average earning assets$243,866,0002,656
Average equity$29,589,2002,565
Average total loans$97,085,6003,235
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0451%3,915
Cost of funding earning assets0.1264%4,296
Net interest margin2.9187%3,511
Noninterest income to average assets0.3666%3,262
Noninterest expense to average assets1.9056%3,932
Loan and lease loss provision to assets0.0059%2,855
Net operating income to assets1.2151%2,114
Return on assets (ROA)1.2151%2,172
Pretax return on assets1.2151%2,882
Return on Equity (ROE)10.3919%2,595
Retained earnings to average equity (ytd only)10.3919%1,198
Net charge-offs to loans-0.0068%3,536
Credit loss provision to net charge-offs-220.0000%3,415
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9501%2,844
Assets per employee ($millions)6.8483%1,981
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.6019%1,336
Loan loss allowance to noncurrent loans771.5847%979
Noncurrent assets plus other real estate owned to assets0.0685%3,645
Noncurrent loans to loans0.2076%3,119
Net loans and leases to total assets32.4747%4,527
Net loans and leases to deposits36.6679%4,557
Net loans and leases to core deposits37.2654%4,587
Total domestic deposits to total assets88.5642%1,534
Equity capital to assets11.3231%1,791
Core capital (leverage) ratio11.0938%1,618
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.4153%407
Memoranda:
Average total assets$253,148,0002,729
Average earning assets$239,373,5002,705
Average equity$29,599,2502,595
Average total loans$97,639,0003,278
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0685%3,928
Cost of funding earning assets0.1320%4,339
Net interest margin2.9365%3,488
Noninterest income to average assets0.3710%3,259
Noninterest expense to average assets1.9291%3,896
Loan and lease loss provision to assets0.0089%2,744
Net operating income to assets1.2080%2,165
Return on assets (ROA)1.2080%2,232
Pretax return on assets1.2080%2,880
Return on Equity (ROE)10.2161%2,672
Retained earnings to average equity (ytd only)10.2161%1,338
Net charge-offs to loans-0.0040%3,361
Credit loss provision to net charge-offs-550.0000%3,495
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3200%2,828
Assets per employee ($millions)6.4124%2,227
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.5234%1,513
Loan loss allowance to noncurrent loans1,806.4103%457
Noncurrent assets plus other real estate owned to assets0.0312%4,044
Noncurrent loans to loans0.0843%3,766
Net loans and leases to total assets36.4212%4,448
Net loans and leases to deposits41.4718%4,475
Net loans and leases to core deposits42.1982%4,513
Total domestic deposits to total assets87.8217%1,928
Equity capital to assets11.9044%1,413
Core capital (leverage) ratio11.1098%1,538
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.4909%405
Memoranda:
Average total assets$248,503,3332,747
Average earning assets$234,840,0002,725
Average equity$29,385,0002,606
Average total loans$100,803,3333,245
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7776%4,395
Cost of funding earning assets0.1422%4,365
Net interest margin2.6354%4,086
Noninterest income to average assets0.4085%3,044
Noninterest expense to average assets1.9571%3,840
Loan and lease loss provision to assets0.0178%2,547
Net operating income to assets0.9172%3,085
Return on assets (ROA)0.9172%3,161
Pretax return on assets0.9172%3,565
Return on Equity (ROE)7.7830%3,394
Retained earnings to average equity (ytd only)7.7830%2,320
Net charge-offs to loans-0.0038%3,301
Credit loss provision to net charge-offs-1,100.0000%3,388
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6717%1,979
Assets per employee ($millions)6.3213%2,318
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3987%1,962
Loan loss allowance to noncurrent loans1,280.0000%546
Noncurrent assets plus other real estate owned to assets0.0961%3,707
Noncurrent loans to loans0.1093%3,763
Net loans and leases to total assets40.2624%4,327
Net loans and leases to deposits45.7619%4,365
Net loans and leases to core deposits46.5727%4,417
Total domestic deposits to total assets87.9824%1,853
Equity capital to assets11.6919%1,442
Core capital (leverage) ratio10.9904%1,715
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.2648%497
Memoranda:
Average total assets$247,712,5002,743
Average earning assets$233,437,5002,719
Average equity$29,192,0002,608
Average total loans$104,958,5003,199
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6292%3,738
Cost of funding earning assets0.2172%4,520
Net interest margin3.4119%2,741
Noninterest income to average assets0.4806%2,721
Noninterest expense to average assets2.2673%3,495
Loan and lease loss provision to assets0.2181%1,797
Net operating income to assets1.1698%1,654
Return on assets (ROA)1.1698%1,768
Pretax return on assets1.1698%2,442
Return on Equity (ROE)8.9477%2,415
Retained earnings to average equity (ytd only)4.0506%2,795
Net charge-offs to loans0.3265%541
Credit loss provision to net charge-offs124.8691%2,601
Earnings coverage of net charge-offs (x)7.9450%2,648
Efficiency ratio62.0293%3,125
Assets per employee ($millions)6.2224%2,147
Cash dividends to net income (ytd only)*54.7303%1,597
Condition Ratios (%)
Loss allowance to loans1.2778%2,523
Loan loss allowance to noncurrent loans671.1538%923
Noncurrent assets plus other real estate owned to assets0.1346%3,612
Noncurrent loans to loans0.1904%3,531
Net loans and leases to total assets43.3331%4,283
Net loans and leases to deposits49.2455%4,345
Net loans and leases to core deposits50.2146%4,413
Total domestic deposits to total assets87.9941%1,476
Equity capital to assets11.8765%1,635
Core capital (leverage) ratio10.8602%1,887
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.8379%678
Memoranda:
Average total assets$218,672,4002,805
Average earning assets$203,463,0002,799
Average equity$28,588,4002,563
Average total loans$117,009,2003,015
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8655%3,369
Cost of funding earning assets0.2318%4,564
Net interest margin3.6337%2,145
Noninterest income to average assets0.4553%2,821
Noninterest expense to average assets2.2407%3,576
Loan and lease loss provision to assets0.2804%1,432
Net operating income to assets1.3098%1,333
Return on assets (ROA)1.3098%1,428
Pretax return on assets1.3098%2,011
Return on Equity (ROE)9.7556%2,111
Retained earnings to average equity (ytd only)3.1703%3,442
Net charge-offs to loans0.4293%371
Credit loss provision to net charge-offs115.9269%2,512
Earnings coverage of net charge-offs (x)6.5744%2,640
Efficiency ratio58.4899%3,601
Assets per employee ($millions)5.8797%2,369
Cash dividends to net income (ytd only)*67.5024%894
Condition Ratios (%)
Loss allowance to loans1.1434%2,962
Loan loss allowance to noncurrent loans124.8396%2,967
Noncurrent assets plus other real estate owned to assets0.5179%2,141
Noncurrent loans to loans0.9159%1,630
Net loans and leases to total assets50.0693%4,096
Net loans and leases to deposits57.2514%4,199
Net loans and leases to core deposits58.5215%4,277
Total domestic deposits to total assets87.4551%1,473
Equity capital to assets12.3841%1,476
Core capital (leverage) ratio11.3532%1,685
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.7521%703
Memoranda:
Average total assets$211,116,7502,840
Average earning assets$196,123,2502,844
Average equity$28,345,5002,570
Average total loans$118,949,0003,002
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2666%2,558
Cost of funding earning assets0.2495%4,623
Net interest margin4.0171%1,278
Noninterest income to average assets0.4126%3,005
Noninterest expense to average assets2.2994%3,514
Loan and lease loss provision to assets0.0995%3,031
Net operating income to assets1.7233%599
Return on assets (ROA)1.7233%650
Pretax return on assets1.7233%951
Return on Equity (ROE)12.4620%1,225
Retained earnings to average equity (ytd only)2.4924%3,580
Net charge-offs to loans-0.0034%3,905
Credit loss provision to net charge-offs-5,050.0000%4,104
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.7812%3,968
Assets per employee ($millions)5.7191%2,432
Cash dividends to net income (ytd only)*80.0000%756
Condition Ratios (%)
Loss allowance to loans1.1307%2,874
Loan loss allowance to noncurrent loans161.9377%2,471
Noncurrent assets plus other real estate owned to assets0.4457%2,534
Noncurrent loans to loans0.6982%2,132
Net loans and leases to total assets55.0425%3,774
Net loans and leases to deposits63.3323%3,932
Net loans and leases to core deposits64.5867%4,045
Total domestic deposits to total assets86.9107%1,661
Equity capital to assets12.9329%1,199
Core capital (leverage) ratio12.3768%1,224
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6532%708
Memoranda:
Average total assets$203,093,0002,880
Average earning assets$187,549,0002,892
Average equity$28,085,3332,579
Average total loans$118,892,3332,995
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1201%3,465
Cost of funding earning assets0.3058%4,644
Net interest margin3.8143%1,923
Noninterest income to average assets0.3998%3,108
Noninterest expense to average assets2.3758%3,592
Loan and lease loss provision to assets0.0373%3,306
Net operating income to assets1.4747%829
Return on assets (ROA)1.4747%906
Pretax return on assets1.4747%1,373
Return on Equity (ROE)10.2797%1,651
Retained earnings to average equity (ytd only)-9.9332%4,765
Net charge-offs to loans-0.0034%3,755
Credit loss provision to net charge-offs-1,800.0000%3,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1082%3,600
Assets per employee ($millions)4.8706%2,788
Cash dividends to net income (ytd only)*196.6292%307
Condition Ratios (%)
Loss allowance to loans1.1454%2,959
Loan loss allowance to noncurrent loans365.6510%1,289
Noncurrent assets plus other real estate owned to assets0.2569%3,425
Noncurrent loans to loans0.3133%3,373
Net loans and leases to total assets59.9716%3,495
Net loans and leases to deposits70.3447%3,561
Net loans and leases to core deposits72.0172%3,764
Total domestic deposits to total assets85.2539%2,311
Equity capital to assets14.5598%873
Core capital (leverage) ratio12.9909%1,210
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0658%860
Memoranda:
Average total assets$193,117,5002,922
Average earning assets$176,597,0002,951
Average equity$27,705,0002,594
Average total loans$116,252,0002,996
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4430%3,132
Cost of funding earning assets0.3434%4,619
Net interest margin4.0996%1,544
Noninterest income to average assets0.3967%3,315
Noninterest expense to average assets2.5597%3,291
Loan and lease loss provision to assets0.4929%259
Net operating income to assets1.0965%2,460
Return on assets (ROA)1.1852%2,213
Pretax return on assets1.1852%2,891
Return on Equity (ROE)8.3756%3,004
Retained earnings to average equity (ytd only)0.8198%4,454
Net charge-offs to loans1.0077%159
Credit loss provision to net charge-offs72.4843%2,881
Earnings coverage of net charge-offs (x)2.3373%3,427
Efficiency ratio61.6931%3,424
Assets per employee ($millions)4.7873%2,854
Cash dividends to net income (ytd only)*90.2120%516
Condition Ratios (%)
Loss allowance to loans1.1095%2,896
Loan loss allowance to noncurrent loans293.0180%1,553
Noncurrent assets plus other real estate owned to assets0.2909%3,270
Noncurrent loans to loans0.3786%3,080
Net loans and leases to total assets59.0809%3,666
Net loans and leases to deposits68.9847%3,744
Net loans and leases to core deposits70.7758%3,924
Total domestic deposits to total assets85.6435%2,222
Equity capital to assets14.1395%1,043
Core capital (leverage) ratio13.3849%1,088
Tier 1 risk-based capital ratio19.4014%1,436
Total risk-based capital ratio20.4123%1,452
Memoranda:
Average total assets$187,054,8002,945
Average earning assets$171,213,2002,970
Average equity$26,469,6002,596
Average total loans$126,225,6002,866
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5326%2,955
Cost of funding earning assets0.3434%4,682
Net interest margin4.1892%1,396
Noninterest income to average assets0.3774%3,455
Noninterest expense to average assets2.5555%3,286
Loan and lease loss provision to assets0.6654%161
Net operating income to assets1.0125%2,937
Return on assets (ROA)1.0190%2,987
Pretax return on assets1.0190%3,529
Return on Equity (ROE)7.1997%3,610
Retained earnings to average equity (ytd only)-2.9982%4,992
Net charge-offs to loans1.3264%105
Credit loss provision to net charge-offs72.1440%2,596
Earnings coverage of net charge-offs (x)1.8192%3,253
Efficiency ratio60.3648%3,571
Assets per employee ($millions)4.4791%3,245
Cash dividends to net income (ytd only)*141.6430%130
Condition Ratios (%)
Loss allowance to loans1.0829%3,115
Loan loss allowance to noncurrent loans64.9774%3,912
Noncurrent assets plus other real estate owned to assets1.0853%1,209
Noncurrent loans to loans1.6666%880
Net loans and leases to total assets64.4150%3,245
Net loans and leases to deposits75.8439%3,308
Net loans and leases to core deposits77.8663%3,560
Total domestic deposits to total assets84.9310%2,447
Equity capital to assets14.8043%906
Core capital (leverage) ratio13.2994%1,213
Tier 1 risk-based capital ratio18.8376%1,600
Total risk-based capital ratio19.8471%1,632
Memoranda:
Average total assets$184,748,5002,996
Average earning assets$170,053,7503,009
Average equity$26,148,7502,629
Average total loans$128,465,7502,875
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5172%2,963
Cost of funding earning assets0.3249%4,754
Net interest margin4.1923%1,387
Noninterest income to average assets0.3619%3,510
Noninterest expense to average assets2.5605%3,300
Loan and lease loss provision to assets1.4153%62
Net operating income to assets0.2474%4,939
Return on assets (ROA)0.2474%4,957
Pretax return on assets0.2474%4,982
Return on Equity (ROE)1.7750%4,968
Retained earnings to average equity (ytd only)-13.7273%5,210
Net charge-offs to loans2.1290%47
Credit loss provision to net charge-offs93.6383%2,095
Earnings coverage of net charge-offs (x)1.1001%3,052
Efficiency ratio60.6293%3,638
Assets per employee ($millions)4.5138%3,119
Cash dividends to net income (ytd only)*873.3624%6
Condition Ratios (%)
Loss allowance to loans1.2288%2,367
Loan loss allowance to noncurrent loans71.0000%3,820
Noncurrent assets plus other real estate owned to assets1.1888%1,124
Noncurrent loans to loans1.7306%878
Net loans and leases to total assets67.8457%2,834
Net loans and leases to deposits79.0867%3,049
Net loans and leases to core deposits81.1549%3,328
Total domestic deposits to total assets85.7865%2,141
Equity capital to assets13.9952%1,120
Core capital (leverage) ratio12.9595%1,311
Tier 1 risk-based capital ratio17.2061%2,026
Total risk-based capital ratio18.3755%1,999
Memoranda:
Average total assets$185,117,3303,002
Average earning assets$170,502,6703,012
Average equity$25,802,6702,651
Average total loans$131,425,0002,850
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5301%2,767
Cost of funding earning assets0.2817%4,892
Net interest margin4.2485%1,199
Noninterest income to average assets0.3284%3,660
Noninterest expense to average assets2.4392%3,657
Loan and lease loss provision to assets2.7525%29
Net operating income to assets-0.9528%5,285
Return on assets (ROA)-0.9528%5,282
Pretax return on assets-0.9528%5,276
Return on Equity (ROE)-6.8494%5,275
Retained earnings to average equity (ytd only)-37.9126%5,324
Net charge-offs to loans4.1893%25
Credit loss provision to net charge-offs91.0650%1,709
Earnings coverage of net charge-offs (x)0.5954%2,659
Efficiency ratio57.5433%4,144
Assets per employee ($millions)4.3143%3,467
Cash dividends to net income (ytd only)*-453.5147%5,349
Condition Ratios (%)
Loss allowance to loans1.1721%2,730
Loan loss allowance to noncurrent loans54.2096%4,190
Noncurrent assets plus other real estate owned to assets1.6490%677
Noncurrent loans to loans2.1622%666
Net loans and leases to total assets71.0066%2,325
Net loans and leases to deposits82.4436%2,569
Net loans and leases to core deposits84.6346%2,977
Total domestic deposits to total assets86.1275%2,214
Equity capital to assets13.6854%1,135
Core capital (leverage) ratio12.2839%1,614
Tier 1 risk-based capital ratio16.3795%2,308
Total risk-based capital ratio17.4998%2,299
Memoranda:
Average total assets$185,144,0003,031
Average earning assets$170,415,0003,050
Average equity$25,754,0002,660
Average total loans$133,577,5002,865
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4422%2,627
Cost of funding earning assets0.1867%5,055
Net interest margin4.2555%1,261
Noninterest income to average assets0.3739%3,592
Noninterest expense to average assets2.6062%3,316
Loan and lease loss provision to assets0.0645%2,865
Net operating income to assets1.6445%785
Return on assets (ROA)1.6445%785
Pretax return on assets1.6445%1,327
Return on Equity (ROE)11.1412%2,029
Retained earnings to average equity (ytd only)-8.2649%5,297
Net charge-offs to loans-0.0208%4,711
Credit loss provision to net charge-offs-434.4828%4,609
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3959%3,787
Assets per employee ($millions)4.2975%3,467
Cash dividends to net income (ytd only)*174.1835%69
Condition Ratios (%)
Loss allowance to loans1.2054%2,540
Loan loss allowance to noncurrent loans69.5744%3,929
Noncurrent assets plus other real estate owned to assets1.3465%932
Noncurrent loans to loans1.7326%828
Net loans and leases to total assets71.5614%2,334
Net loans and leases to deposits83.5096%2,561
Net loans and leases to core deposits84.3299%3,053
Total domestic deposits to total assets85.6924%2,366
Equity capital to assets14.1257%933
Core capital (leverage) ratio13.2727%1,149
Tier 1 risk-based capital ratio17.2510%1,974
Total risk-based capital ratio18.4017%1,956
Memoranda:
Average total assets$195,495,2002,911
Average earning assets$181,060,0002,908
Average equity$28,856,8002,403
Average total loans$139,279,0002,778
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3709%2,726
Cost of funding earning assets0.1616%5,183
Net interest margin4.2093%1,335
Noninterest income to average assets0.3727%3,646
Noninterest expense to average assets2.4779%3,656
Loan and lease loss provision to assets0.0731%2,491
Net operating income to assets1.7345%696
Return on assets (ROA)1.7345%702
Pretax return on assets1.7345%1,194
Return on Equity (ROE)11.6304%1,941
Retained earnings to average equity (ytd only)-6.5138%5,340
Net charge-offs to loans-0.0267%4,710
Credit loss provision to net charge-offs-385.7143%4,444
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.8216%4,151
Assets per employee ($millions)4.3749%3,317
Cash dividends to net income (ytd only)*156.0063%76
Condition Ratios (%)
Loss allowance to loans1.1765%2,760
Loan loss allowance to noncurrent loans123.1698%3,103
Noncurrent assets plus other real estate owned to assets0.7043%2,090
Noncurrent loans to loans0.9552%1,782
Net loans and leases to total assets72.8726%2,192
Net loans and leases to deposits89.4889%1,962
Net loans and leases to core deposits90.4161%2,625
Total domestic deposits to total assets81.4321%3,755
Equity capital to assets14.5630%816
Core capital (leverage) ratio13.5578%1,084
Tier 1 risk-based capital ratio17.7813%1,849
Total risk-based capital ratio18.9104%1,838
Memoranda:
Average total assets$197,097,0002,924
Average earning assets$183,208,7502,911
Average equity$29,393,5002,379
Average total loans$139,857,5002,783
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2697%2,874
Cost of funding earning assets0.1466%5,260
Net interest margin4.1231%1,482
Noninterest income to average assets0.3668%3,701
Noninterest expense to average assets2.4819%3,675
Loan and lease loss provision to assets0.0720%2,449
Net operating income to assets1.6373%831
Return on assets (ROA)1.6373%835
Pretax return on assets1.6373%1,386
Return on Equity (ROE)10.8984%2,152
Retained earnings to average equity (ytd only)10.8984%688
Net charge-offs to loans0.0086%2,821
Credit loss provision to net charge-offs1,200.0000%346
Earnings coverage of net charge-offs (x)285.0000%316
Efficiency ratio59.2177%4,051
Assets per employee ($millions)4.5994%2,973
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1402%3,037
Loan loss allowance to noncurrent loans83.9334%3,767
Noncurrent assets plus other real estate owned to assets0.9634%1,565
Noncurrent loans to loans1.3585%1,249
Net loans and leases to total assets70.1055%2,565
Net loans and leases to deposits83.4820%2,593
Net loans and leases to core deposits84.2957%3,058
Total domestic deposits to total assets83.9768%3,075
Equity capital to assets15.8576%520
Core capital (leverage) ratio14.9657%679
Tier 1 risk-based capital ratio20.0386%1,313
Total risk-based capital ratio21.1263%1,318
Memoranda:
Average total assets$200,089,3302,894
Average earning assets$185,586,3302,910
Average equity$30,059,3302,344
Average total loans$140,236,6702,789
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2604%2,669
Cost of funding earning assets0.1420%5,304
Net interest margin4.1184%1,390
Noninterest income to average assets0.3262%3,974
Noninterest expense to average assets2.4623%3,769
Loan and lease loss provision to assets0.0707%2,347
Net operating income to assets1.6114%831
Return on assets (ROA)1.6114%833
Pretax return on assets1.6114%1,358
Return on Equity (ROE)11.0169%1,962
Retained earnings to average equity (ytd only)11.0169%895
Net charge-offs to loans-0.0226%4,617
Credit loss provision to net charge-offs-450.0000%3,974
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4120%4,144
Assets per employee ($millions)4.6287%2,964
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1181%3,277
Loan loss allowance to noncurrent loans53.1034%4,398
Noncurrent assets plus other real estate owned to assets1.4917%933
Noncurrent loans to loans2.1056%737
Net loans and leases to total assets70.0551%2,479
Net loans and leases to deposits82.9931%2,503
Net loans and leases to core deposits83.9218%2,991
Total domestic deposits to total assets84.4108%3,142
Equity capital to assets15.3742%591
Core capital (leverage) ratio14.1006%854
Tier 1 risk-based capital ratio19.0689%1,536
Total risk-based capital ratio20.1192%1,545
Memoranda:
Average total assets$203,546,0002,901
Average earning assets$188,716,0002,894
Average equity$29,772,5002,386
Average total loans$141,860,5002,789
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1515%2,877
Cost of funding earning assets0.1486%5,267
Net interest margin4.0029%1,746
Noninterest income to average assets0.5798%2,552
Noninterest expense to average assets2.5531%3,596
Loan and lease loss provision to assets0.0495%3,233
Net operating income to assets1.6776%553
Return on assets (ROA)1.6800%563
Pretax return on assets1.6800%1,058
Return on Equity (ROE)12.0118%1,209
Retained earnings to average equity (ytd only)1.9441%4,160
Net charge-offs to loans0.0498%2,792
Credit loss provision to net charge-offs145.7143%1,823
Earnings coverage of net charge-offs (x)50.8143%1,071
Efficiency ratio59.6483%4,313
Assets per employee ($millions)4.9462%2,542
Cash dividends to net income (ytd only)*83.8150%703
Condition Ratios (%)
Loss allowance to loans1.0247%3,775
Loan loss allowance to noncurrent loans152.1872%2,774
Noncurrent assets plus other real estate owned to assets0.4622%3,024
Noncurrent loans to loans0.6733%2,529
Net loans and leases to total assets67.9375%2,826
Net loans and leases to deposits83.1478%2,591
Net loans and leases to core deposits83.6944%3,084
Total domestic deposits to total assets81.7070%3,941
Equity capital to assets13.9439%929
Core capital (leverage) ratio13.1491%1,095
Tier 1 risk-based capital ratio17.5530%1,932
Total risk-based capital ratio18.5206%1,958
Memoranda:
Average total assets$205,949,4002,862
Average earning assets$190,388,0002,859
Average equity$28,805,0002,446
Average total loans$140,568,0002,772
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1392%2,838
Cost of funding earning assets0.1319%5,417
Net interest margin4.0073%1,673
Noninterest income to average assets0.5313%2,831
Noninterest expense to average assets2.3720%4,088
Loan and lease loss provision to assets0.0431%3,241
Net operating income to assets1.8250%450
Return on assets (ROA)1.8283%454
Pretax return on assets1.8283%828
Return on Equity (ROE)13.0616%1,045
Retained earnings to average equity (ytd only)-0.4617%5,285
Net charge-offs to loans0.0287%2,857
Credit loss provision to net charge-offs220.0000%1,256
Earnings coverage of net charge-offs (x)95.3975%709
Efficiency ratio55.9421%4,745
Assets per employee ($millions)4.8771%2,599
Cash dividends to net income (ytd only)*103.5345%276
Condition Ratios (%)
Loss allowance to loans1.0431%3,825
Loan loss allowance to noncurrent loans308.0082%1,559
Noncurrent assets plus other real estate owned to assets0.2861%3,919
Noncurrent loans to loans0.3387%3,736
Net loans and leases to total assets69.4725%2,636
Net loans and leases to deposits87.6241%2,110
Net loans and leases to core deposits88.0764%2,763
Total domestic deposits to total assets79.2846%4,481
Equity capital to assets14.4006%883
Core capital (leverage) ratio13.1061%1,167
Tier 1 risk-based capital ratio17.5040%2,009
Total risk-based capital ratio18.4956%2,034
Memoranda:
Average total assets$204,264,7502,905
Average earning assets$189,048,2502,907
Average equity$28,592,0002,473
Average total loans$139,212,2502,809
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0992%2,834
Cost of funding earning assets0.1243%5,483
Net interest margin3.9750%1,695
Noninterest income to average assets0.4773%3,166
Noninterest expense to average assets2.3756%4,131
Loan and lease loss provision to assets0.0353%3,294
Net operating income to assets1.7347%520
Return on assets (ROA)1.7376%527
Pretax return on assets1.7376%968
Return on Equity (ROE)12.5345%1,155
Retained earnings to average equity (ytd only)-7.9675%5,611
Net charge-offs to loans-0.0029%4,227
Credit loss provision to net charge-offs-1,800.0000%4,935
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.3050%4,674
Assets per employee ($millions)4.6373%2,879
Cash dividends to net income (ytd only)*163.5646%119
Condition Ratios (%)
Loss allowance to loans1.0606%3,792
Loan loss allowance to noncurrent loans981.6993%586
Noncurrent assets plus other real estate owned to assets0.2426%4,169
Noncurrent loans to loans0.1080%4,690
Net loans and leases to total assets68.6684%2,711
Net loans and leases to deposits81.1863%2,783
Net loans and leases to core deposits81.6990%3,280
Total domestic deposits to total assets84.5812%2,987
Equity capital to assets14.0005%964
Core capital (leverage) ratio12.7239%1,285
Tier 1 risk-based capital ratio16.7259%2,226
Total risk-based capital ratio17.7130%2,286
Memoranda:
Average total assets$204,073,6702,921
Average earning assets$188,329,3302,930
Average equity$28,290,0002,490
Average total loans$137,681,0002,840
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0595%2,801
Cost of funding earning assets0.1195%5,566
Net interest margin3.9400%1,643
Noninterest income to average assets0.4410%3,372
Noninterest expense to average assets2.4088%4,088
Loan and lease loss provision to assets0.0353%3,082
Net operating income to assets1.6150%657
Return on assets (ROA)1.6209%667
Pretax return on assets1.6209%1,180
Return on Equity (ROE)11.7507%1,323
Retained earnings to average equity (ytd only)-29.4549%5,791
Net charge-offs to loans-0.0383%5,051
Credit loss provision to net charge-offs-138.4615%3,994
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.3433%4,553
Assets per employee ($millions)4.7020%2,843
Cash dividends to net income (ytd only)*350.6651%72
Condition Ratios (%)
Loss allowance to loans1.1111%3,651
Loan loss allowance to noncurrent loans468.6520%1,103
Noncurrent assets plus other real estate owned to assets0.3418%3,827
Noncurrent loans to loans0.2371%4,263
Net loans and leases to total assets65.8094%3,000
Net loans and leases to deposits76.1717%3,181
Net loans and leases to core deposits76.4167%3,618
Total domestic deposits to total assets86.3961%2,497
Equity capital to assets13.4175%1,103
Core capital (leverage) ratio12.3808%1,403
Tier 1 risk-based capital ratio16.8588%2,232
Total risk-based capital ratio17.8874%2,267
Memoranda:
Average total assets$204,089,0002,948
Average earning assets$187,410,5002,966
Average equity$28,151,5002,502
Average total loans$135,714,0002,876
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2367%2,363
Cost of funding earning assets0.1289%5,556
Net interest margin4.1079%1,367
Noninterest income to average assets0.3895%3,968
Noninterest expense to average assets2.4998%4,015
Loan and lease loss provision to assets0.0509%3,366
Net operating income to assets1.6269%639
Return on assets (ROA)1.8356%431
Pretax return on assets1.8356%723
Return on Equity (ROE)12.7301%1,062
Retained earnings to average equity (ytd only)12.7301%183
Net charge-offs to loans0.0856%2,475
Credit loss provision to net charge-offs88.6957%2,823
Earnings coverage of net charge-offs (x)29.2174%1,453
Efficiency ratio59.8374%4,608
Assets per employee ($millions)4.7906%2,664
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.0696%3,896
Loan loss allowance to noncurrent loans320.3501%1,548
Noncurrent assets plus other real estate owned to assets0.4107%3,632
Noncurrent loans to loans0.3339%3,943
Net loans and leases to total assets65.7364%3,109
Net loans and leases to deposits76.7556%3,233
Net loans and leases to core deposits77.0000%3,658
Total domestic deposits to total assets85.6438%2,759
Equity capital to assets14.1630%837
Core capital (leverage) ratio12.9726%1,143
Tier 1 risk-based capital ratio17.6829%1,950
Total risk-based capital ratio18.6569%1,992
Memoranda:
Average total assets$200,257,0002,953
Average earning assets$184,670,4002,959
Average equity$28,876,4002,462
Average total loans$134,346,8002,860
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2623%2,291
Cost of funding earning assets0.1297%5,618
Net interest margin4.1326%1,300
Noninterest income to average assets0.3997%3,922
Noninterest expense to average assets2.3826%4,327
Loan and lease loss provision to assets0.0563%3,117
Net operating income to assets1.7865%503
Return on assets (ROA)1.7114%612
Pretax return on assets1.7114%1,084
Return on Equity (ROE)11.8138%1,386
Retained earnings to average equity (ytd only)11.8138%330
Net charge-offs to loans0.0708%2,300
Credit loss provision to net charge-offs118.3099%2,115
Earnings coverage of net charge-offs (x)38.7060%1,271
Efficiency ratio56.3879%5,018
Assets per employee ($millions)4.4513%3,161
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1038%3,812
Loan loss allowance to noncurrent loans95.5741%3,716
Noncurrent assets plus other real estate owned to assets1.0059%2,052
Noncurrent loans to loans1.1549%1,941
Net loans and leases to total assets66.6455%3,011
Net loans and leases to deposits78.6711%3,114
Net loans and leases to core deposits79.1915%3,530
Total domestic deposits to total assets84.7141%2,935
Equity capital to assets15.0927%714
Core capital (leverage) ratio12.8302%1,251
Tier 1 risk-based capital ratio16.6319%2,366
Total risk-based capital ratio17.6055%2,425
Memoranda:
Average total assets$198,822,7502,981
Average earning assets$184,061,0002,982
Average equity$28,801,7502,471
Average total loans$133,714,2502,866
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2622%2,288
Cost of funding earning assets0.1288%5,700
Net interest margin4.1334%1,282
Noninterest income to average assets0.3530%4,252
Noninterest expense to average assets2.4465%4,199
Loan and lease loss provision to assets0.0303%3,522
Net operating income to assets1.6952%584
Return on assets (ROA)1.6145%744
Pretax return on assets1.6145%1,328
Return on Equity (ROE)11.3045%1,538
Retained earnings to average equity (ytd only)11.3045%402
Net charge-offs to loans0.1155%1,675
Credit loss provision to net charge-offs38.9610%2,777
Earnings coverage of net charge-offs (x)22.2208%1,639
Efficiency ratio58.6415%4,820
Assets per employee ($millions)4.2725%3,424
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0803%4,047
Loan loss allowance to noncurrent loans102.3622%3,656
Noncurrent assets plus other real estate owned to assets0.9886%2,162
Noncurrent loans to loans1.0554%2,177
Net loans and leases to total assets66.6239%2,993
Net loans and leases to deposits78.3218%3,117
Net loans and leases to core deposits79.0958%3,542
Total domestic deposits to total assets85.0643%2,844
Equity capital to assets14.7545%800
Core capital (leverage) ratio12.6492%1,283
Tier 1 risk-based capital ratio16.1830%2,560
Total risk-based capital ratio17.1274%2,639
Memoranda:
Average total assets$198,327,3302,992
Average earning assets$183,238,6703,004
Average equity$28,325,0002,509
Average total loans$133,290,0002,880
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2420%2,326
Cost of funding earning assets0.1264%5,776
Net interest margin4.1156%1,295
Noninterest income to average assets0.3333%4,349
Noninterest expense to average assets2.3813%4,424
Loan and lease loss provision to assets0.0241%3,367
Net operating income to assets1.7187%552
Return on assets (ROA)1.6665%654
Pretax return on assets1.6665%1,136
Return on Equity (ROE)11.8620%1,352
Retained earnings to average equity (ytd only)11.8620%526
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7410%5,027
Assets per employee ($millions)4.4263%3,208
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1479%3,781
Loan loss allowance to noncurrent loans52.4665%4,766
Noncurrent assets plus other real estate owned to assets1.7129%1,127
Noncurrent loans to loans2.1879%940
Net loans and leases to total assets65.8374%2,974
Net loans and leases to deposits77.2353%3,084
Net loans and leases to core deposits78.0026%3,492
Total domestic deposits to total assets85.2426%3,022
Equity capital to assets14.5725%816
Core capital (leverage) ratio12.2430%1,470
Tier 1 risk-based capital ratio15.6044%2,859
Total risk-based capital ratio16.5834%2,944
Memoranda:
Average total assets$199,223,0002,995
Average earning assets$183,497,0003,010
Average equity$27,988,5002,533
Average total loans$133,750,0002,879
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3992%1,908
Cost of funding earning assets0.1474%5,701
Net interest margin4.2518%1,060
Noninterest income to average assets0.3057%4,697
Noninterest expense to average assets2.5753%4,008
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.6546%624
Return on assets (ROA)1.5853%754
Pretax return on assets1.5853%1,294
Return on Equity (ROE)10.8848%1,652
Retained earnings to average equity (ytd only)-1.1788%5,683
Net charge-offs to loans0.1412%1,934
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)17.4392%2,073
Efficiency ratio60.8830%4,774
Assets per employee ($millions)4.5264%2,998
Cash dividends to net income (ytd only)*110.8296%300
Condition Ratios (%)
Loss allowance to loans1.0719%4,200
Loan loss allowance to noncurrent loans63.4450%4,554
Noncurrent assets plus other real estate owned to assets1.3958%1,499
Noncurrent loans to loans1.6896%1,342
Net loans and leases to total assets66.9211%2,860
Net loans and leases to deposits77.5755%3,095
Net loans and leases to core deposits78.3032%3,513
Total domestic deposits to total assets86.2658%2,510
Equity capital to assets13.5481%1,111
Core capital (leverage) ratio11.6234%1,874
Tier 1 risk-based capital ratio14.3531%3,521
Total risk-based capital ratio15.2788%3,625
Memoranda:
Average total assets$199,200,4002,961
Average earning assets$183,850,6002,959
Average equity$29,013,0002,395
Average total loans$133,856,2002,820
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3844%1,970
Cost of funding earning assets0.1498%5,782
Net interest margin4.2346%1,094
Noninterest income to average assets0.3150%4,687
Noninterest expense to average assets2.4636%4,300
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7716%551
Return on assets (ROA)1.6989%648
Pretax return on assets1.6989%1,109
Return on Equity (ROE)11.4592%1,545
Retained earnings to average equity (ytd only)11.4592%418
Net charge-offs to loans0.1927%1,326
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)13.7085%2,302
Efficiency ratio58.1691%5,100
Assets per employee ($millions)4.2749%3,372
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.0987%4,232
Loan loss allowance to noncurrent loans248.5666%1,866
Noncurrent assets plus other real estate owned to assets0.5828%3,537
Noncurrent loans to loans0.4420%4,021
Net loans and leases to total assets67.4737%2,777
Net loans and leases to deposits79.9529%2,891
Net loans and leases to core deposits80.7465%3,368
Total domestic deposits to total assets84.3918%3,265
Equity capital to assets15.4170%658
Core capital (leverage) ratio13.1013%1,167
Tier 1 risk-based capital ratio16.5854%2,533
Total risk-based capital ratio17.5340%2,628
Memoranda:
Average total assets$198,078,2502,994
Average earning assets$183,374,2502,991
Average equity$29,367,2502,373
Average total loans$132,873,2502,858
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3629%1,966
Cost of funding earning assets0.1525%5,826
Net interest margin4.2105%1,091
Noninterest income to average assets0.3606%4,361
Noninterest expense to average assets2.4940%4,257
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.7607%555
Return on assets (ROA)1.7517%595
Pretax return on assets1.7517%978
Return on Equity (ROE)11.9722%1,383
Retained earnings to average equity (ytd only)11.9722%398
Net charge-offs to loans0.2869%913
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)9.2000%2,478
Efficiency ratio58.6174%5,151
Assets per employee ($millions)4.1409%3,587
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.1313%4,175
Loan loss allowance to noncurrent loans493.6455%1,041
Noncurrent assets plus other real estate owned to assets0.4789%4,017
Noncurrent loans to loans0.2292%4,856
Net loans and leases to total assets66.2794%2,900
Net loans and leases to deposits78.4042%2,979
Net loans and leases to core deposits79.1878%3,472
Total domestic deposits to total assets84.5355%3,325
Equity capital to assets15.2872%652
Core capital (leverage) ratio12.8143%1,248
Tier 1 risk-based capital ratio16.3183%2,704
Total risk-based capital ratio17.2824%2,797
Memoranda:
Average total assets$198,555,3303,007
Average earning assets$183,637,3303,007
Average equity$29,050,6702,415
Average total loans$132,444,6702,865
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3224%2,021
Cost of funding earning assets0.1557%5,884
Net interest margin4.1667%1,136
Noninterest income to average assets0.3132%4,689
Noninterest expense to average assets2.4356%4,491
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.7215%564
Return on assets (ROA)1.7035%612
Pretax return on assets1.7035%1,041
Return on Equity (ROE)11.9024%1,374
Retained earnings to average equity (ytd only)11.9024%582
Net charge-offs to loans-0.0390%5,393
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5893%5,269
Assets per employee ($millions)4.2287%3,510
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2958%3,424
Loan loss allowance to noncurrent loans152.2212%2,765
Noncurrent assets plus other real estate owned to assets0.8916%2,852
Noncurrent loans to loans0.8512%3,119
Net loans and leases to total assets64.3504%3,046
Net loans and leases to deposits75.5281%3,113
Net loans and leases to core deposits76.2599%3,570
Total domestic deposits to total assets85.2006%3,310
Equity capital to assets14.6289%797
Core capital (leverage) ratio12.0840%1,585
Tier 1 risk-based capital ratio15.7210%3,050
Total risk-based capital ratio16.8164%3,055
Memoranda:
Average total assets$200,523,0003,006
Average earning assets$184,989,0002,998
Average equity$28,700,0002,449
Average total loans$133,432,5002,857
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4705%1,986
Cost of funding earning assets0.2066%5,688
Net interest margin4.2639%1,132
Noninterest income to average assets0.6174%2,753
Noninterest expense to average assets2.5564%4,374
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.9846%333
Return on assets (ROA)1.9479%370
Pretax return on assets1.9479%562
Return on Equity (ROE)14.0931%921
Retained earnings to average equity (ytd only)7.8239%1,085
Net charge-offs to loans0.3506%1,250
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)8.7130%2,839
Efficiency ratio56.2970%5,637
Assets per employee ($millions)4.3977%3,196
Cash dividends to net income (ytd only)*44.4840%2,605
Condition Ratios (%)
Loss allowance to loans1.2135%3,914
Loan loss allowance to noncurrent loans302.3593%1,616
Noncurrent assets plus other real estate owned to assets0.6060%3,774
Noncurrent loans to loans0.4013%4,439
Net loans and leases to total assets67.0422%2,722
Net loans and leases to deposits78.1274%2,963
Net loans and leases to core deposits79.0026%3,407
Total domestic deposits to total assets85.8113%2,940
Equity capital to assets14.0018%954
Core capital (leverage) ratio11.6450%1,870
Tier 1 risk-based capital ratio14.9307%3,528
Total risk-based capital ratio16.0009%3,561
Memoranda:
Average total assets$201,959,8002,960
Average earning assets$185,840,4002,963
Average equity$27,914,4002,417
Average total loans$131,199,2002,848
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4667%1,990
Cost of funding earning assets0.2108%5,744
Net interest margin4.2559%1,140
Noninterest income to average assets0.4557%3,851
Noninterest expense to average assets2.4417%4,694
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.9345%392
Return on assets (ROA)1.8948%439
Pretax return on assets1.8948%726
Return on Equity (ROE)13.7540%1,040
Retained earnings to average equity (ytd only)13.7540%265
Net charge-offs to loans0.4483%880
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)6.7179%3,040
Efficiency ratio55.7954%5,677
Assets per employee ($millions)4.2797%3,333
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.3163%3,566
Loan loss allowance to noncurrent loans157.5023%2,620
Noncurrent assets plus other real estate owned to assets0.8775%3,238
Noncurrent loans to loans0.8358%3,485
Net loans and leases to total assets62.9873%3,342
Net loans and leases to deposits73.7889%3,461
Net loans and leases to core deposits74.6225%3,883
Total domestic deposits to total assets85.3615%3,181
Equity capital to assets14.4447%862
Core capital (leverage) ratio12.0971%1,639
Tier 1 risk-based capital ratio15.8518%3,127
Total risk-based capital ratio16.9714%3,140
Memoranda:
Average total assets$201,876,0002,993
Average earning assets$185,965,2502,984
Average equity$27,811,7502,434
Average total loans$129,676,7502,878
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4177%2,119
Cost of funding earning assets0.2113%5,817
Net interest margin4.2064%1,231
Noninterest income to average assets0.4631%3,762
Noninterest expense to average assets2.4035%4,867
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.9395%382
Return on assets (ROA)1.8840%436
Pretax return on assets1.8840%710
Return on Equity (ROE)13.8992%977
Retained earnings to average equity (ytd only)13.8992%268
Net charge-offs to loans0.6641%582
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)4.5370%3,089
Efficiency ratio55.3429%5,803
Assets per employee ($millions)4.1374%3,570
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2794%3,969
Loan loss allowance to noncurrent loans354.3933%1,299
Noncurrent assets plus other real estate owned to assets0.5912%4,205
Noncurrent loans to loans0.3610%4,914
Net loans and leases to total assets65.8211%2,778
Net loans and leases to deposits77.3166%2,887
Net loans and leases to core deposits78.2023%3,417
Total domestic deposits to total assets85.1319%3,442
Equity capital to assets14.3077%867
Core capital (leverage) ratio11.6391%1,888
Tier 1 risk-based capital ratio14.9286%3,679
Total risk-based capital ratio16.0298%3,712
Memoranda:
Average total assets$202,119,0003,008
Average earning assets$186,431,6702,997
Average equity$27,397,3302,448
Average total loans$130,106,6702,869
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3136%2,472
Cost of funding earning assets0.2109%5,911
Net interest margin4.1027%1,446
Noninterest income to average assets0.4905%3,491
Noninterest expense to average assets2.3622%5,026
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.9070%389
Return on assets (ROA)1.9246%397
Pretax return on assets1.9246%621
Return on Equity (ROE)14.5933%847
Retained earnings to average equity (ytd only)14.5933%354
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.3309%5,895
Assets per employee ($millions)4.3342%3,277
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.6713%2,435
Loan loss allowance to noncurrent loans202.6692%2,063
Noncurrent assets plus other real estate owned to assets0.7875%3,774
Noncurrent loans to loans0.8246%3,825
Net loans and leases to total assets62.7393%3,114
Net loans and leases to deposits72.9472%3,213
Net loans and leases to core deposits73.8791%3,659
Total domestic deposits to total assets86.0065%3,360
Equity capital to assets13.8370%974
Core capital (leverage) ratio11.0082%2,385
Tier 1 risk-based capital ratio14.6643%3,909
Total risk-based capital ratio15.9104%3,869
Memoranda:
Average total assets$203,882,0003,014
Average earning assets$187,778,5002,995
Average equity$26,889,0002,477
Average total loans$128,955,0002,899
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5560%2,010
Cost of funding earning assets0.2660%5,861
Net interest margin4.2900%1,134
Noninterest income to average assets0.4306%4,229
Noninterest expense to average assets2.7807%3,792
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.5783%720
Return on assets (ROA)1.5186%826
Pretax return on assets1.5196%1,384
Return on Equity (ROE)11.4574%1,612
Retained earnings to average equity (ytd only)0.2940%5,713
Net charge-offs to loans0.1387%3,417
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)17.8883%1,691
Efficiency ratio63.7783%4,937
Assets per employee ($millions)4.2529%3,350
Cash dividends to net income (ytd only)*97.4342%467
Condition Ratios (%)
Loss allowance to loans1.6266%2,659
Loan loss allowance to noncurrent loans198.1361%2,111
Noncurrent assets plus other real estate owned to assets0.7668%3,973
Noncurrent loans to loans0.8210%3,925
Net loans and leases to total assets61.6978%3,413
Net loans and leases to deposits70.7076%3,694
Net loans and leases to core deposits71.5584%4,121
Total domestic deposits to total assets87.2577%2,598
Equity capital to assets12.5681%1,480
Core capital (leverage) ratio10.6002%2,783
Tier 1 risk-based capital ratio13.7646%4,469
Total risk-based capital ratio15.0097%4,420
Memoranda:
Average total assets$202,754,4003,003
Average earning assets$185,711,0003,016
Average equity$26,873,4002,471
Average total loans$129,089,0002,877
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6190%1,834
Cost of funding earning assets0.2777%5,904
Net interest margin4.3413%1,005
Noninterest income to average assets0.5774%3,288
Noninterest expense to average assets2.7508%3,827
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.8005%526
Return on assets (ROA)1.7482%606
Pretax return on assets1.7495%997
Return on Equity (ROE)13.0155%1,228
Retained earnings to average equity (ytd only)-1.7748%6,236
Net charge-offs to loans0.1254%3,273
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)22.4875%1,493
Efficiency ratio60.4218%5,367
Assets per employee ($millions)3.9290%3,984
Cash dividends to net income (ytd only)*113.6364%279
Condition Ratios (%)
Loss allowance to loans1.7233%2,546
Loan loss allowance to noncurrent loans154.1284%2,484
Noncurrent assets plus other real estate owned to assets1.1947%3,265
Noncurrent loans to loans1.1181%3,565
Net loans and leases to total assets63.3998%3,098
Net loans and leases to deposits73.1024%3,379
Net loans and leases to core deposits74.1526%3,823
Total domestic deposits to total assets86.7274%2,837
Equity capital to assets13.0873%1,296
Core capital (leverage) ratio10.3004%3,242
Tier 1 risk-based capital ratio13.9546%4,466
Total risk-based capital ratio15.2004%4,419
Memoranda:
Average total assets$201,344,7503,045
Average earning assets$184,363,2503,047
Average equity$27,044,0002,477
Average total loans$128,686,2502,903
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6410%1,723
Cost of funding earning assets0.2864%5,932
Net interest margin4.3546%928
Noninterest income to average assets0.6966%2,662
Noninterest expense to average assets2.7984%3,686
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.8810%440
Return on assets (ROA)1.8179%535
Pretax return on assets1.8199%895
Return on Equity (ROE)13.4237%1,135
Retained earnings to average equity (ytd only)13.4237%340
Net charge-offs to loans0.1856%2,641
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)15.9250%1,693
Efficiency ratio59.7769%5,513
Assets per employee ($millions)4.0204%3,749
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.7120%2,734
Loan loss allowance to noncurrent loans179.5399%2,169
Noncurrent assets plus other real estate owned to assets1.2736%3,212
Noncurrent loans to loans0.9535%4,022
Net loans and leases to total assets63.6778%2,971
Net loans and leases to deposits74.8897%3,029
Net loans and leases to core deposits75.8662%3,558
Total domestic deposits to total assets85.0288%3,876
Equity capital to assets14.7672%767
Core capital (leverage) ratio11.7280%1,780
Tier 1 risk-based capital ratio15.0960%3,713
Total risk-based capital ratio16.3413%3,680
Memoranda:
Average total assets$202,976,3303,038
Average earning assets$185,736,3303,037
Average equity$27,488,6702,454
Average total loans$129,337,3302,893
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6992%1,538
Cost of funding earning assets0.2953%6,006
Net interest margin4.4039%799
Noninterest income to average assets0.4040%4,425
Noninterest expense to average assets2.4606%4,909
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.9654%364
Return on assets (ROA)1.8780%458
Pretax return on assets1.8819%760
Return on Equity (ROE)14.4937%863
Retained earnings to average equity (ytd only)14.4937%396
Net charge-offs to loans-0.0246%5,815
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5458%6,104
Assets per employee ($millions)4.2851%3,362
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.8201%2,550
Loan loss allowance to noncurrent loans188.2018%1,987
Noncurrent assets plus other real estate owned to assets1.0482%3,839
Noncurrent loans to loans0.9671%4,199
Net loans and leases to total assets60.6615%3,319
Net loans and leases to deposits70.1055%3,467
Net loans and leases to core deposits70.9632%3,957
Total domestic deposits to total assets86.5289%3,216
Equity capital to assets13.2879%1,302
Core capital (leverage) ratio10.9607%2,293
Tier 1 risk-based capital ratio14.2043%4,363
Total risk-based capital ratio15.4500%4,327
Memoranda:
Average total assets$205,965,5003,026
Average earning assets$188,289,0003,037
Average equity$26,687,5002,546
Average total loans$130,191,5002,890
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2758%976
Cost of funding earning assets0.4755%5,380
Net interest margin4.8003%536
Noninterest income to average assets0.4572%4,200
Noninterest expense to average assets2.6314%4,633
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets2.0816%311
Return on assets (ROA)2.0109%382
Pretax return on assets2.0135%582
Return on Equity (ROE)14.4990%901
Retained earnings to average equity (ytd only)2.6872%4,347
Net charge-offs to loans-0.0241%6,582
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8028%6,076
Assets per employee ($millions)4.2091%3,533
Cash dividends to net income (ytd only)*81.4664%958
Condition Ratios (%)
Loss allowance to loans1.7292%2,822
Loan loss allowance to noncurrent loans152.2457%2,345
Noncurrent assets plus other real estate owned to assets1.1850%3,680
Noncurrent loans to loans1.1358%3,946
Net loans and leases to total assets63.5132%2,978
Net loans and leases to deposits72.8603%3,274
Net loans and leases to core deposits73.7417%3,814
Total domestic deposits to total assets87.1712%2,726
Equity capital to assets12.6276%1,626
Core capital (leverage) ratio10.3551%2,939
Tier 1 risk-based capital ratio13.0279%5,086
Total risk-based capital ratio14.2716%5,030
Memoranda:
Average total assets$195,333,4003,106
Average earning assets$173,280,6003,186
Average equity$27,091,6002,477
Average total loans$124,368,4002,995
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4341%776
Cost of funding earning assets0.4956%5,459
Net interest margin4.9384%444
Noninterest income to average assets0.5483%3,623
Noninterest expense to average assets2.4658%5,189
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets2.4381%196
Return on assets (ROA)2.3439%247
Pretax return on assets2.3474%372
Return on Equity (ROE)16.5045%669
Retained earnings to average equity (ytd only)16.5045%175
Net charge-offs to loans0.0328%5,187
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)117.5638%365
Efficiency ratio50.2469%6,571
Assets per employee ($millions)3.9515%3,970
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.6741%3,237
Loan loss allowance to noncurrent loans151.1785%2,267
Noncurrent assets plus other real estate owned to assets1.2802%3,729
Noncurrent loans to loans1.1073%4,204
Net loans and leases to total assets65.4314%2,748
Net loans and leases to deposits77.0165%2,812
Net loans and leases to core deposits80.1990%3,182
Total domestic deposits to total assets84.9576%3,763
Equity capital to assets14.8305%861
Core capital (leverage) ratio12.1315%1,572
Tier 1 risk-based capital ratio14.9884%3,858
Total risk-based capital ratio16.2324%3,809
Memoranda:
Average total assets$192,605,0003,181
Average earning assets$170,010,0003,266
Average equity$27,353,5002,475
Average total loans$122,135,7503,074
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5670%620
Cost of funding earning assets0.4889%5,688
Net interest margin5.0781%353
Noninterest income to average assets0.5168%3,808
Noninterest expense to average assets2.4521%5,289
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets2.4848%180
Return on assets (ROA)2.3899%236
Pretax return on assets2.3952%349
Return on Equity (ROE)17.0961%625
Retained earnings to average equity (ytd only)17.0961%177
Net charge-offs to loans0.0423%4,784
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)94.4400%449
Efficiency ratio49.6159%6,670
Assets per employee ($millions)3.8936%4,092
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.7128%3,171
Loan loss allowance to noncurrent loans193.7984%1,765
Noncurrent assets plus other real estate owned to assets1.1604%4,076
Noncurrent loans to loans0.8838%4,724
Net loans and leases to total assets66.3208%2,606
Net loans and leases to deposits77.8532%2,695
Net loans and leases to core deposits81.1767%3,061
Total domestic deposits to total assets85.1870%3,775
Equity capital to assets14.3471%959
Core capital (leverage) ratio12.0156%1,593
Tier 1 risk-based capital ratio14.5476%4,067
Total risk-based capital ratio15.7911%4,037
Memoranda:
Average total assets$189,632,0003,222
Average earning assets$165,259,0003,342
Average equity$26,509,0002,533
Average total loans$118,146,0003,178
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6354%585
Cost of funding earning assets0.5135%5,728
Net interest margin5.1220%332
Noninterest income to average assets0.4596%4,230
Noninterest expense to average assets2.2212%5,994
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets2.5782%160
Return on assets (ROA)2.4884%221
Pretax return on assets2.4991%332
Return on Equity (ROE)18.0479%545
Retained earnings to average equity (ytd only)18.0479%250
Net charge-offs to loans0.1148%3,426
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)37.8438%777
Efficiency ratio46.1778%6,891
Assets per employee ($millions)3.7278%4,587
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.0134%2,320
Loan loss allowance to noncurrent loans182.5061%1,800
Noncurrent assets plus other real estate owned to assets1.3055%3,946
Noncurrent loans to loans1.1032%4,492
Net loans and leases to total assets57.4174%4,140
Net loans and leases to deposits67.4010%4,163
Net loans and leases to core deposits69.4106%4,515
Total domestic deposits to total assets85.1878%3,940
Equity capital to assets14.0827%997
Core capital (leverage) ratio11.7476%1,736
Tier 1 risk-based capital ratio14.2817%4,254
Total risk-based capital ratio15.5247%4,233
Memoranda:
Average total assets$187,107,5003,270
Average earning assets$158,923,5003,457
Average equity$25,798,0002,588
Average total loans$111,537,0003,315
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6683%834
Cost of funding earning assets0.5832%6,167
Net interest margin5.0850%350
Noninterest income to average assets0.5954%3,189
Noninterest expense to average assets3.0488%3,402
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets2.1015%263
Return on assets (ROA)1.8829%427
Pretax return on assets1.8856%684
Return on Equity (ROE)13.7919%982
Retained earnings to average equity (ytd only)2.8169%4,239
Net charge-offs to loans0.0748%5,570
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)46.2439%596
Efficiency ratio59.1643%5,874
Assets per employee ($millions)3.6819%4,589
Cash dividends to net income (ytd only)*79.5756%801
Condition Ratios (%)
Loss allowance to loans2.0373%2,162
Loan loss allowance to noncurrent loans322.6950%1,034
Noncurrent assets plus other real estate owned to assets1.1163%4,374
Noncurrent loans to loans0.6313%5,453
Net loans and leases to total assets59.4226%4,104
Net loans and leases to deposits69.4032%4,216
Net loans and leases to core deposits70.2338%4,749
Total domestic deposits to total assets85.6194%3,525
Equity capital to assets13.4833%1,271
Core capital (leverage) ratio11.2637%2,070
Tier 1 risk-based capital ratio13.9523%4,354
Total risk-based capital ratio15.1963%4,320
Memoranda:
Average total assets$180,204,2003,331
Average earning assets$161,513,2003,376
Average equity$24,601,4002,616
Average total loans$109,557,8003,393
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6493%936
Cost of funding earning assets0.6157%6,209
Net interest margin5.0336%386
Noninterest income to average assets0.6286%3,002
Noninterest expense to average assets3.0106%3,522
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets2.1759%264
Return on assets (ROA)1.9386%426
Pretax return on assets1.9423%707
Return on Equity (ROE)14.1552%1,008
Retained earnings to average equity (ytd only)7.6371%1,649
Net charge-offs to loans0.1370%4,688
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)26.1607%1,024
Efficiency ratio58.0049%6,010
Assets per employee ($millions)3.6554%4,625
Cash dividends to net income (ytd only)*46.0476%1,757
Condition Ratios (%)
Loss allowance to loans2.0792%2,120
Loan loss allowance to noncurrent loans235.8193%1,335
Noncurrent assets plus other real estate owned to assets1.3892%4,044
Noncurrent loans to loans0.8817%5,095
Net loans and leases to total assets57.8489%4,536
Net loans and leases to deposits68.0629%4,592
Net loans and leases to core deposits68.8887%5,074
Total domestic deposits to total assets84.9932%3,768
Equity capital to assets14.1406%1,104
Core capital (leverage) ratio11.9244%1,750
Tier 1 risk-based capital ratio14.9612%3,682
Total risk-based capital ratio16.2051%3,658
Memoranda:
Average total assets$179,231,5003,359
Average earning assets$162,423,0003,377
Average equity$24,546,2502,630
Average total loans$109,030,0003,434
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7293%830
Cost of funding earning assets0.6466%6,244
Net interest margin5.0827%346
Noninterest income to average assets0.7582%2,217
Noninterest expense to average assets3.0845%3,311
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets2.2769%228
Return on assets (ROA)1.9893%366
Pretax return on assets1.9949%591
Return on Equity (ROE)14.6890%858
Retained earnings to average equity (ytd only)4.7360%3,170
Net charge-offs to loans0.1956%3,980
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)18.9907%1,235
Efficiency ratio57.4717%6,232
Assets per employee ($millions)3.5939%4,703
Cash dividends to net income (ytd only)*67.7583%1,090
Condition Ratios (%)
Loss allowance to loans2.0417%2,256
Loan loss allowance to noncurrent loans1,573.4266%257
Noncurrent assets plus other real estate owned to assets1.0835%4,717
Noncurrent loans to loans0.1298%6,656
Net loans and leases to total assets60.0751%4,257
Net loans and leases to deposits70.6566%4,346
Net loans and leases to core deposits72.0002%4,818
Total domestic deposits to total assets85.0241%3,866
Equity capital to assets14.1523%1,044
Core capital (leverage) ratio11.6908%1,787
Tier 1 risk-based capital ratio14.4393%3,831
Total risk-based capital ratio15.6830%3,811
Memoranda:
Average total assets$178,051,6703,395
Average earning assets$161,450,3303,419
Average equity$24,113,3302,652
Average total loans$109,381,3303,471
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7884%754
Cost of funding earning assets0.7102%6,082
Net interest margin5.0782%320
Noninterest income to average assets1.0833%1,121
Noninterest expense to average assets3.1439%3,096
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets2.5436%167
Return on assets (ROA)2.4059%204
Pretax return on assets2.4172%279
Return on Equity (ROE)18.1799%463
Retained earnings to average equity (ytd only)18.1799%231
Net charge-offs to loans0.3010%2,843
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)13.8049%1,408
Efficiency ratio55.1683%6,592
Assets per employee ($millions)3.9601%3,915
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.0977%2,191
Loan loss allowance to noncurrent loans1,864.7541%231
Noncurrent assets plus other real estate owned to assets1.0864%4,751
Noncurrent loans to loans0.1125%6,769
Net loans and leases to total assets59.5826%4,344
Net loans and leases to deposits69.7699%4,378
Net loans and leases to core deposits70.8912%4,937
Total domestic deposits to total assets85.3987%3,838
Equity capital to assets13.8011%1,067
Core capital (leverage) ratio11.6802%1,751
Tier 1 risk-based capital ratio14.9936%3,428
Total risk-based capital ratio16.2483%3,386
Memoranda:
Average total assets$177,230,0003,428
Average earning assets$161,081,5003,439
Average equity$23,454,5002,697
Average total loans$108,971,0003,517
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9423%957
Cost of funding earning assets0.8796%6,245
Net interest margin5.0627%380
Noninterest income to average assets0.6095%3,406
Noninterest expense to average assets3.2200%3,011
Loan and lease loss provision to assets0.1043%6,099
Net operating income to assets1.8291%386
Return on assets (ROA)1.9808%305
Pretax return on assets1.9821%499
Return on Equity (ROE)18.9431%317
Retained earnings to average equity (ytd only)18.9431%66
Net charge-offs to loans0.0049%6,796
Credit loss provision to net charge-offs3,300.0000%65
Earnings coverage of net charge-offs (x)612.0000%36
Efficiency ratio62.4678%5,638
Assets per employee ($millions)3.5432%4,841
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.0713%2,126
Loan loss allowance to noncurrent loans1,737.5000%234
Noncurrent assets plus other real estate owned to assets1.3739%4,286
Noncurrent loans to loans0.1192%6,840
Net loans and leases to total assets63.2282%4,027
Net loans and leases to deposits74.3175%4,140
Net loans and leases to core deposits75.2255%4,825
Total domestic deposits to total assets85.0784%3,815
Equity capital to assets12.1204%1,844
Core capital (leverage) ratio10.8510%2,269
Tier 1 risk-based capital ratio13.3504%4,329
Total risk-based capital ratio14.6053%4,286
Memoranda:
Average total assets$158,169,4003,733
Average earning assets$141,999,6003,781
Average equity$16,539,0003,668
Average total loans$103,018,4003,711
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9497%1,034
Cost of funding earning assets0.9072%6,371
Net interest margin5.0425%395
Noninterest income to average assets0.5787%3,591
Noninterest expense to average assets3.0641%3,518
Loan and lease loss provision to assets0.1386%5,641
Net operating income to assets1.8983%407
Return on assets (ROA)1.8731%479
Pretax return on assets1.8748%806
Return on Equity (ROE)18.6414%417
Retained earnings to average equity (ytd only)18.6414%99
Net charge-offs to loans-0.2149%7,628
Credit loss provision to net charge-offs-98.8024%6,910
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0494%5,944
Assets per employee ($millions)3.4213%5,154
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.2051%1,795
Loan loss allowance to noncurrent loans392.3478%759
Noncurrent assets plus other real estate owned to assets1.5574%4,110
Noncurrent loans to loans0.5620%6,079
Net loans and leases to total assets63.5718%4,206
Net loans and leases to deposits74.3590%4,447
Net loans and leases to core deposits75.2527%5,149
Total domestic deposits to total assets85.4932%3,347
Equity capital to assets11.7435%2,329
Core capital (leverage) ratio10.5027%2,683
Tier 1 risk-based capital ratio12.4561%5,024
Total risk-based capital ratio13.7108%4,995
Memoranda:
Average total assets$158,736,2503,782
Average earning assets$142,413,5003,826
Average equity$15,949,7503,816
Average total loans$103,608,2503,745
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0084%931
Cost of funding earning assets0.9627%6,325
Net interest margin5.0456%382
Noninterest income to average assets0.4912%4,184
Noninterest expense to average assets3.1108%3,266
Loan and lease loss provision to assets0.1947%4,933
Net operating income to assets1.6936%595
Return on assets (ROA)1.5441%882
Pretax return on assets1.5466%1,441
Return on Equity (ROE)16.2720%669
Retained earnings to average equity (ytd only)16.2720%185
Net charge-offs to loans-0.2960%7,687
Credit loss provision to net charge-offs-100.6494%6,677
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1954%5,654
Assets per employee ($millions)3.4199%5,122
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1362%1,892
Loan loss allowance to noncurrent loans259.4657%1,096
Noncurrent assets plus other real estate owned to assets1.5497%4,136
Noncurrent loans to loans0.8233%5,633
Net loans and leases to total assets66.5008%3,735
Net loans and leases to deposits77.7639%4,028
Net loans and leases to core deposits78.8733%4,821
Total domestic deposits to total assets85.5162%3,365
Equity capital to assets11.0185%2,844
Core capital (leverage) ratio9.7491%3,472
Tier 1 risk-based capital ratio11.4445%5,830
Total risk-based capital ratio12.6987%5,795
Memoranda:
Average total assets$159,188,0003,805
Average earning assets$142,301,6703,858
Average equity$15,105,6703,972
Average total loans$104,042,3303,767
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0458%895
Cost of funding earning assets1.0174%6,294
Net interest margin5.0284%396
Noninterest income to average assets0.3485%5,353
Noninterest expense to average assets2.9289%3,955
Loan and lease loss provision to assets0.2225%4,276
Net operating income to assets1.6634%662
Return on assets (ROA)1.8315%511
Pretax return on assets1.8364%830
Return on Equity (ROE)20.9027%335
Retained earnings to average equity (ytd only)20.9027%175
Net charge-offs to loans-0.0077%6,852
Credit loss provision to net charge-offs-4,500.0000%6,629
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7692%6,038
Assets per employee ($millions)3.4376%5,185
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0056%2,172
Loan loss allowance to noncurrent loans299.2582%1,003
Noncurrent assets plus other real estate owned to assets1.4274%4,370
Noncurrent loans to loans0.6702%5,987
Net loans and leases to total assets63.7100%4,393
Net loans and leases to deposits73.0168%4,902
Net loans and leases to core deposits74.0304%5,495
Total domestic deposits to total assets87.2539%2,499
Equity capital to assets9.5824%4,402
Core capital (leverage) ratio9.0707%4,437
Tier 1 risk-based capital ratio11.1962%5,964
Total risk-based capital ratio12.4437%5,924
Memoranda:
Average total assets$161,834,0003,801
Average earning assets$143,902,0003,871
Average equity$14,180,0004,204
Average total loans$103,775,5003,830
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0273%1,761
Cost of funding earning assets1.6138%4,975
Net interest margin4.4134%1,396
Noninterest income to average assets0.3735%5,420
Noninterest expense to average assets2.6785%5,488
Loan and lease loss provision to assets1.4212%1,613
Net operating income to assets0.2532%4,712
Return on assets (ROA)0.0546%5,379
Pretax return on assets0.0558%5,309
Return on Equity (ROE)0.6243%5,351
Retained earnings to average equity (ytd only)-1.1547%5,300
Net charge-offs to loans1.5890%1,587
Credit loss provision to net charge-offs145.6954%3,253
Earnings coverage of net charge-offs (x)1.7219%4,446
Efficiency ratio61.4607%6,247
Assets per employee ($millions)3.7551%4,381
Cash dividends to net income (ytd only)*284.9462%119
Condition Ratios (%)
Loss allowance to loans1.7994%2,547
Loan loss allowance to noncurrent loans276.5805%1,109
Noncurrent assets plus other real estate owned to assets1.4801%4,168
Noncurrent loans to loans0.6506%5,932
Net loans and leases to total assets62.1714%4,956
Net loans and leases to deposits69.8422%5,626
Net loans and leases to core deposits76.7858%6,354
Total domestic deposits to total assets89.0169%1,477
Equity capital to assets8.0111%6,570
Core capital (leverage) ratio8.1924%5,823
Tier 1 risk-based capital ratio9.7182%7,085
Total risk-based capital ratio10.9572%7,070
Memoranda:
Average total assets$170,282,6003,607
Average earning assets$153,735,0003,642
Average equity$14,896,2004,077
Average total loans$104,528,2003,820
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0309%1,915
Cost of funding earning assets1.6316%5,248
Net interest margin4.3993%1,442
Noninterest income to average assets0.3400%5,772
Noninterest expense to average assets2.6211%5,636
Loan and lease loss provision to assets1.1449%1,701
Net operating income to assets0.5760%3,703
Return on assets (ROA)0.3767%4,592
Pretax return on assets0.3782%4,853
Return on Equity (ROE)4.2180%4,291
Retained earnings to average equity (ytd only)1.8990%4,261
Net charge-offs to loans1.1329%1,773
Credit loss provision to net charge-offs165.9117%2,838
Earnings coverage of net charge-offs (x)2.4960%3,978
Efficiency ratio60.3454%6,362
Assets per employee ($millions)3.7670%4,268
Cash dividends to net income (ytd only)*54.9786%1,806
Condition Ratios (%)
Loss allowance to loans1.7431%2,461
Loan loss allowance to noncurrent loans234.6309%1,267
Noncurrent assets plus other real estate owned to assets1.4667%4,175
Noncurrent loans to loans0.7429%5,826
Net loans and leases to total assets59.4466%5,673
Net loans and leases to deposits69.3255%5,997
Net loans and leases to core deposits77.8059%6,509
Total domestic deposits to total assets85.7500%2,832
Equity capital to assets8.1745%6,668
Core capital (leverage) ratio8.2835%5,865
Tier 1 risk-based capital ratio10.4596%6,516
Total risk-based capital ratio11.6945%6,477
Memoranda:
Average total assets$170,608,7503,620
Average earning assets$155,264,0003,634
Average equity$15,236,0004,058
Average total loans$103,915,0003,884
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9697%2,302
Cost of funding earning assets1.6219%5,656
Net interest margin4.3477%1,532
Noninterest income to average assets0.2822%6,247
Noninterest expense to average assets2.6186%5,666
Loan and lease loss provision to assets1.5445%1,102
Net operating income to assets0.0732%5,637
Return on assets (ROA)0.5737%3,900
Pretax return on assets0.5760%4,382
Return on Equity (ROE)6.2538%3,534
Retained earnings to average equity (ytd only)2.8990%3,712
Net charge-offs to loans1.6399%1,154
Credit loss provision to net charge-offs154.2923%2,976
Earnings coverage of net charge-offs (x)1.6183%4,329
Efficiency ratio61.7808%6,279
Assets per employee ($millions)3.9867%3,705
Cash dividends to net income (ytd only)*53.6437%1,910
Condition Ratios (%)
Loss allowance to loans1.5850%2,808
Loan loss allowance to noncurrent loans145.6328%2,020
Noncurrent assets plus other real estate owned to assets1.4566%4,061
Noncurrent loans to loans1.0884%5,021
Net loans and leases to total assets59.1832%5,810
Net loans and leases to deposits69.6861%6,017
Net loans and leases to core deposits77.0234%6,610
Total domestic deposits to total assets84.9283%3,296
Equity capital to assets9.1818%5,043
Core capital (leverage) ratio8.3582%5,698
Tier 1 risk-based capital ratio10.1557%6,767
Total risk-based capital ratio11.3264%6,776
Memoranda:
Average total assets$172,229,3303,599
Average earning assets$156,725,0003,621
Average equity$15,798,3303,960
Average total loans$105,127,0003,891
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9977%2,376
Cost of funding earning assets1.6215%5,938
Net interest margin4.3762%1,405
Noninterest income to average assets1.0496%1,350
Noninterest expense to average assets2.4677%5,966
Loan and lease loss provision to assets2.4445%477
Net operating income to assets0.0788%6,040
Return on assets (ROA)0.0788%6,209
Pretax return on assets0.0834%6,202
Return on Equity (ROE)0.8593%6,172
Retained earnings to average equity (ytd only)-5.8632%6,666
Net charge-offs to loans2.6869%494
Credit loss provision to net charge-offs147.9663%2,816
Earnings coverage of net charge-offs (x)1.5302%3,962
Efficiency ratio49.3970%7,633
Assets per employee ($millions)4.0073%3,649
Cash dividends to net income (ytd only)*782.3529%35
Condition Ratios (%)
Loss allowance to loans1.4800%3,085
Loan loss allowance to noncurrent loans127.8202%2,466
Noncurrent assets plus other real estate owned to assets1.7302%3,322
Noncurrent loans to loans1.1578%4,670
Net loans and leases to total assets59.6061%5,719
Net loans and leases to deposits70.1416%5,963
Net loans and leases to core deposits76.3383%6,654
Total domestic deposits to total assets84.9797%3,215
Equity capital to assets9.0651%5,276
Core capital (leverage) ratio8.4176%5,685
Tier 1 risk-based capital ratio10.3733%6,522
Total risk-based capital ratio11.5133%6,555
Memoranda:
Average total assets$172,630,5003,610
Average earning assets$155,660,5003,655
Average equity$15,827,5003,978
Average total loans$106,145,5003,879
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3014%3,958
Cost of funding earning assets2.0839%6,118
Net interest margin4.2175%2,241
Noninterest income to average assets0.7271%2,931
Noninterest expense to average assets2.4598%6,170
Loan and lease loss provision to assets0.1762%5,139
Net operating income to assets1.8724%463
Return on assets (ROA)1.8096%520
Pretax return on assets1.8107%924
Return on Equity (ROE)20.6288%326
Retained earnings to average equity (ytd only)14.6565%101
Net charge-offs to loans1.9620%553
Credit loss provision to net charge-offs14.1376%6,601
Earnings coverage of net charge-offs (x)1.6447%5,265
Efficiency ratio54.5455%7,209
Assets per employee ($millions)4.2132%3,093
Cash dividends to net income (ytd only)*28.9516%4,151
Condition Ratios (%)
Loss allowance to loans1.0546%5,584
Loan loss allowance to noncurrent loans85.2231%3,960
Noncurrent assets plus other real estate owned to assets1.7513%2,791
Noncurrent loans to loans1.2375%4,040
Net loans and leases to total assets61.7662%5,653
Net loans and leases to deposits76.0388%5,589
Net loans and leases to core deposits82.1025%6,455
Total domestic deposits to total assets81.2298%4,544
Equity capital to assets9.2667%4,978
Core capital (leverage) ratio8.4226%5,708
Tier 1 risk-based capital ratio10.2670%6,455
Total risk-based capital ratio11.1255%6,761
Memoranda:
Average total assets$170,261,2003,550
Average earning assets$152,697,4003,603
Average equity$14,935,4004,153
Average total loans$108,157,2003,736