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First State Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5529%1,979
Cost of funding earning assets1.8295%2,376
Net interest margin3.7234%1,837
Noninterest income to average assets0.5200%1,653
Noninterest expense to average assets2.6375%1,930
Loan and lease loss provision to assets0.2400%469
Net operating income to assets1.1498%1,859
Return on assets (ROA)1.1498%1,863
Pretax return on assets1.1498%2,366
Return on Equity (ROE)14.6300%1,150
Retained earnings to average equity (ytd only)4.6126%2,680
Net charge-offs to loans0.0104%1,860
Credit loss provision to net charge-offs4,125.0000%105
Earnings coverage of net charge-offs (x)240.2500%364
Efficiency ratio65.5185%2,307
Assets per employee ($millions)5.5053%3,320
Cash dividends to net income (ytd only)*68.4673%827
Condition Ratios (%)
Loss allowance to loans0.9948%3,264
Loan loss allowance to noncurrent loans1,650.5263%488
Noncurrent assets plus other real estate owned to assets0.0338%3,461
Noncurrent loans to loans0.0603%3,376
Net loans and leases to total assets55.5800%3,232
Net loans and leases to deposits62.3346%3,361
Net loans and leases to core deposits73.4715%3,102
Total domestic deposits to total assets89.1600%1,119
Equity capital to assets7.9844%3,599
Core capital (leverage) ratio10.3538%2,526
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9330%888
Memoranda:
Average total assets$276,929,0002,589
Average earning assets$261,051,0002,571
Average equity$21,766,5002,901
Average total loans$153,529,5002,734
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6975%1,754
Cost of funding earning assets1.8286%2,654
Net interest margin3.8689%1,401
Noninterest income to average assets0.6200%1,441
Noninterest expense to average assets2.6649%1,826
Loan and lease loss provision to assets0.0500%2,169
Net operating income to assets1.5214%873
Return on assets (ROA)1.4989%911
Pretax return on assets1.4989%1,285
Return on Equity (ROE)19.0200%476
Retained earnings to average equity (ytd only)7.5042%1,268
Net charge-offs to loans0.0810%1,332
Credit loss provision to net charge-offs117.3913%1,694
Earnings coverage of net charge-offs (x)35.7913%1,421
Efficiency ratio62.8821%2,840
Assets per employee ($millions)5.6893%3,133
Cash dividends to net income (ytd only)*60.5558%1,161
Condition Ratios (%)
Loss allowance to loans0.9421%3,495
Loan loss allowance to noncurrent loans169.0276%2,379
Noncurrent assets plus other real estate owned to assets0.3050%2,020
Noncurrent loans to loans0.5574%1,684
Net loans and leases to total assets54.2100%3,382
Net loans and leases to deposits60.7066%3,501
Net loans and leases to core deposits73.0552%3,204
Total domestic deposits to total assets89.3000%1,054
Equity capital to assets7.7320%3,648
Core capital (leverage) ratio10.2307%2,573
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.7727%789
Memoranda:
Average total assets$261,660,2002,643
Average earning assets$245,002,4002,622
Average equity$20,615,2002,929
Average total loans$141,899,0002,802
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6279%1,847
Cost of funding earning assets1.7525%2,832
Net interest margin3.8754%1,341
Noninterest income to average assets0.6400%1,336
Noninterest expense to average assets2.7186%1,629
Loan and lease loss provision to assets0.0500%2,008
Net operating income to assets1.4920%944
Return on assets (ROA)1.4616%986
Pretax return on assets1.4616%1,381
Return on Equity (ROE)18.4600%533
Retained earnings to average equity (ytd only)7.7108%1,486
Net charge-offs to loans0.0133%2,160
Credit loss provision to net charge-offs742.8571%489
Earnings coverage of net charge-offs (x)214.2857%491
Efficiency ratio63.7550%2,742
Assets per employee ($millions)5.5537%3,223
Cash dividends to net income (ytd only)*58.2305%1,059
Condition Ratios (%)
Loss allowance to loans1.0413%3,037
Loan loss allowance to noncurrent loans207.1529%2,185
Noncurrent assets plus other real estate owned to assets0.2620%2,186
Noncurrent loans to loans0.5027%1,819
Net loans and leases to total assets51.5800%3,564
Net loans and leases to deposits58.2305%3,664
Net loans and leases to core deposits69.6130%3,411
Total domestic deposits to total assets88.5800%1,059
Equity capital to assets8.3081%3,524
Core capital (leverage) ratio10.5885%2,344
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2432%665
Memoranda:
Average total assets$258,803,7502,651
Average earning assets$241,930,5002,635
Average equity$20,490,2502,931
Average total loans$140,012,0002,813
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6400%1,704
Cost of funding earning assets1.6756%2,912
Net interest margin3.9643%1,159
Noninterest income to average assets0.6500%1,264
Noninterest expense to average assets2.7834%1,500
Loan and lease loss provision to assets0.0500%1,906
Net operating income to assets1.5057%900
Return on assets (ROA)1.4593%981
Pretax return on assets1.4593%1,355
Return on Equity (ROE)18.7600%540
Retained earnings to average equity (ytd only)7.6324%1,474
Net charge-offs to loans0.0057%2,223
Credit loss provision to net charge-offs1,725.0000%271
Earnings coverage of net charge-offs (x)496.0000%244
Efficiency ratio64.0840%2,762
Assets per employee ($millions)5.2147%3,445
Cash dividends to net income (ytd only)*59.3211%1,144
Condition Ratios (%)
Loss allowance to loans1.0288%3,131
Loan loss allowance to noncurrent loans802.7624%905
Noncurrent assets plus other real estate owned to assets0.0708%3,186
Noncurrent loans to loans0.1282%3,004
Net loans and leases to total assets54.7000%3,360
Net loans and leases to deposits61.6652%3,490
Net loans and leases to core deposits73.3714%3,201
Total domestic deposits to total assets88.7100%1,096
Equity capital to assets7.9293%3,477
Core capital (leverage) ratio10.8220%2,142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0556%776
Memoranda:
Average total assets$254,360,6672,671
Average earning assets$237,164,6672,662
Average equity$19,784,0002,958
Average total loans$139,401,3332,811
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6131%1,612
Cost of funding earning assets1.5902%3,004
Net interest margin4.0229%1,062
Noninterest income to average assets0.6300%1,253
Noninterest expense to average assets2.8024%1,454
Loan and lease loss provision to assets0.0600%1,561
Net operating income to assets1.5163%870
Return on assets (ROA)1.5163%885
Pretax return on assets1.5163%1,225
Return on Equity (ROE)19.6900%460
Retained earnings to average equity (ytd only)9.9665%1,121
Net charge-offs to loans0.0202%1,449
Credit loss provision to net charge-offs500.0000%509
Earnings coverage of net charge-offs (x)142.4286%537
Efficiency ratio64.0721%2,805
Assets per employee ($millions)4.9292%3,697
Cash dividends to net income (ytd only)*49.3763%1,308
Condition Ratios (%)
Loss allowance to loans1.0074%3,259
Loan loss allowance to noncurrent loans773.2240%999
Noncurrent assets plus other real estate owned to assets0.0728%3,165
Noncurrent loans to loans0.1303%2,959
Net loans and leases to total assets55.3100%3,245
Net loans and leases to deposits62.2694%3,385
Net loans and leases to core deposits73.0904%3,158
Total domestic deposits to total assets88.8200%1,155
Equity capital to assets7.7493%3,526
Core capital (leverage) ratio10.7557%2,118
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.7823%718
Memoranda:
Average total assets$253,780,5002,678
Average earning assets$236,445,0002,675
Average equity$19,545,5002,989
Average total loans$138,484,5002,824
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0271%2,025
Cost of funding earning assets0.9922%3,316
Net interest margin4.0348%1,153
Noninterest income to average assets0.6700%1,291
Noninterest expense to average assets2.6847%1,775
Loan and lease loss provision to assets0.0600%1,903
Net operating income to assets1.6823%760
Return on assets (ROA)1.6823%732
Pretax return on assets1.6823%1,096
Return on Equity (ROE)24.6600%324
Retained earnings to average equity (ytd only)18.1105%188
Net charge-offs to loans0.0109%2,241
Credit loss provision to net charge-offs985.7143%420
Earnings coverage of net charge-offs (x)311.2143%422
Efficiency ratio60.7124%3,001
Assets per employee ($millions)5.3369%3,364
Cash dividends to net income (ytd only)*26.5466%2,691
Condition Ratios (%)
Loss allowance to loans1.0161%3,227
Loan loss allowance to noncurrent loans753.8043%1,092
Noncurrent assets plus other real estate owned to assets0.0718%3,080
Noncurrent loans to loans0.1348%2,833
Net loans and leases to total assets52.7500%3,432
Net loans and leases to deposits59.2851%3,568
Net loans and leases to core deposits67.4713%3,431
Total domestic deposits to total assets88.9700%1,073
Equity capital to assets7.6550%3,629
Core capital (leverage) ratio10.5922%2,266
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5630%986
Memoranda:
Average total assets$250,790,8002,680
Average earning assets$233,416,6002,662
Average equity$17,111,6003,086
Average total loans$128,422,4002,867
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9100%2,037
Cost of funding earning assets0.8628%3,367
Net interest margin4.0473%1,154
Noninterest income to average assets0.6800%1,252
Noninterest expense to average assets2.7046%1,641
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.6890%807
Return on assets (ROA)1.6890%796
Pretax return on assets1.6890%1,182
Return on Equity (ROE)25.5500%372
Retained earnings to average equity (ytd only)21.5599%210
Net charge-offs to loans0.0042%2,337
Credit loss provision to net charge-offs2,600.0000%182
Earnings coverage of net charge-offs (x)816.0000%194
Efficiency ratio60.7881%2,877
Assets per employee ($millions)5.1807%3,453
Cash dividends to net income (ytd only)*15.6329%2,622
Condition Ratios (%)
Loss allowance to loans1.0578%3,083
Loan loss allowance to noncurrent loans733.3333%1,098
Noncurrent assets plus other real estate owned to assets0.0748%3,100
Noncurrent loans to loans0.1442%2,828
Net loans and leases to total assets51.3000%3,541
Net loans and leases to deposits57.1503%3,649
Net loans and leases to core deposits65.8403%3,438
Total domestic deposits to total assets89.7700%999
Equity capital to assets6.6352%3,781
Core capital (leverage) ratio10.6659%2,252
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9271%957
Memoranda:
Average total assets$249,445,7502,688
Average earning assets$232,580,0002,679
Average equity$16,487,0003,123
Average total loans$126,400,7502,887
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8357%1,916
Cost of funding earning assets0.7476%3,355
Net interest margin4.0880%1,102
Noninterest income to average assets0.6600%1,238
Noninterest expense to average assets2.6528%1,780
Loan and lease loss provision to assets0.0600%1,720
Net operating income to assets1.7589%702
Return on assets (ROA)1.7589%705
Pretax return on assets1.7589%1,097
Return on Equity (ROE)26.6500%302
Retained earnings to average equity (ytd only)26.6462%98
Net charge-offs to loans0.0096%1,847
Credit loss provision to net charge-offs1,150.0000%374
Earnings coverage of net charge-offs (x)377.5000%379
Efficiency ratio59.3868%3,034
Assets per employee ($millions)5.0978%3,507
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.0493%3,197
Loan loss allowance to noncurrent loans484.3066%1,589
Noncurrent assets plus other real estate owned to assets0.1120%2,755
Noncurrent loans to loans0.2167%2,401
Net loans and leases to total assets51.1400%3,474
Net loans and leases to deposits57.4793%3,562
Net loans and leases to core deposits64.4681%3,418
Total domestic deposits to total assets88.9700%1,270
Equity capital to assets7.3639%3,599
Core capital (leverage) ratio10.3270%2,453
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8221%985
Memoranda:
Average total assets$249,702,6672,694
Average earning assets$232,729,3332,689
Average equity$16,482,6673,146
Average total loans$125,553,0002,891
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6330%2,006
Cost of funding earning assets0.6174%3,329
Net interest margin4.0156%1,235
Noninterest income to average assets0.6200%1,354
Noninterest expense to average assets2.5931%1,970
Loan and lease loss provision to assets0.0600%1,589
Net operating income to assets1.7161%797
Return on assets (ROA)1.7161%789
Pretax return on assets1.7161%1,243
Return on Equity (ROE)27.5400%310
Retained earnings to average equity (ytd only)27.5414%140
Net charge-offs to loans0.0352%1,026
Credit loss provision to net charge-offs318.1818%672
Earnings coverage of net charge-offs (x)101.5455%787
Efficiency ratio59.4113%3,035
Assets per employee ($millions)5.4474%3,272
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0221%3,421
Loan loss allowance to noncurrent loans5,366.6667%277
Noncurrent assets plus other real estate owned to assets0.0096%3,775
Noncurrent loans to loans0.0190%3,645
Net loans and leases to total assets49.7700%3,512
Net loans and leases to deposits55.5322%3,596
Net loans and leases to core deposits60.9541%3,500
Total domestic deposits to total assets89.6300%1,289
Equity capital to assets6.7730%3,925
Core capital (leverage) ratio9.8477%2,840
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.3429%802
Memoranda:
Average total assets$252,207,0002,717
Average earning assets$235,183,5002,705
Average equity$15,714,5003,240
Average total loans$125,095,5002,930
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9386%1,889
Cost of funding earning assets0.2957%2,914
Net interest margin3.6429%1,513
Noninterest income to average assets0.6300%1,531
Noninterest expense to average assets2.5028%2,105
Loan and lease loss provision to assets0.0400%2,129
Net operating income to assets1.5080%866
Return on assets (ROA)1.5080%835
Pretax return on assets1.5080%1,431
Return on Equity (ROE)23.8900%249
Retained earnings to average equity (ytd only)23.8874%54
Net charge-offs to loans0.0211%1,659
Credit loss provision to net charge-offs432.0000%744
Earnings coverage of net charge-offs (x)155.1200%771
Efficiency ratio61.7366%2,801
Assets per employee ($millions)5.5181%3,198
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.0171%3,272
Loan loss allowance to noncurrent loans3,007.1429%448
Noncurrent assets plus other real estate owned to assets0.0165%3,686
Noncurrent loans to loans0.0338%3,538
Net loans and leases to total assets48.4200%3,645
Net loans and leases to deposits53.3742%3,713
Net loans and leases to core deposits57.5233%3,643
Total domestic deposits to total assets90.7300%1,049
Equity capital to assets5.6955%4,183
Core capital (leverage) ratio9.5644%3,069
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7285%1,181
Memoranda:
Average total assets$249,996,2002,734
Average earning assets$234,729,4002,706
Average equity$15,782,4003,296
Average total loans$118,566,2002,937
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7459%1,903
Cost of funding earning assets0.2675%2,513
Net interest margin3.4784%1,726
Noninterest income to average assets0.6300%1,585
Noninterest expense to average assets2.4997%2,019
Loan and lease loss provision to assets0.0400%1,932
Net operating income to assets1.3604%1,192
Return on assets (ROA)1.3604%1,163
Pretax return on assets1.3604%1,849
Return on Equity (ROE)21.0200%356
Retained earnings to average equity (ytd only)21.0250%83
Net charge-offs to loans0.0262%1,299
Credit loss provision to net charge-offs321.7391%784
Earnings coverage of net charge-offs (x)113.6957%875
Efficiency ratio64.0994%2,540
Assets per employee ($millions)5.9683%2,792
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.0313%3,341
Loan loss allowance to noncurrent loans3,850.0000%338
Noncurrent assets plus other real estate owned to assets0.0125%3,847
Noncurrent loans to loans0.0268%3,709
Net loans and leases to total assets46.0700%3,753
Net loans and leases to deposits50.3760%3,832
Net loans and leases to core deposits52.5480%3,830
Total domestic deposits to total assets91.4500%1,067
Equity capital to assets4.9069%4,312
Core capital (leverage) ratio8.5984%3,976
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4549%1,094
Memoranda:
Average total assets$249,037,2502,753
Average earning assets$234,274,7502,728
Average equity$16,113,7503,306
Average total loans$117,162,7502,961
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5918%1,871
Cost of funding earning assets0.2713%2,009
Net interest margin3.3205%1,849
Noninterest income to average assets0.6045%1,722
Noninterest expense to average assets2.4981%1,936
Loan and lease loss provision to assets0.0316%2,023
Net operating income to assets1.2024%1,418
Return on assets (ROA)1.2024%1,403
Pretax return on assets1.2024%2,072
Return on Equity (ROE)17.1455%551
Retained earnings to average equity (ytd only)17.1455%144
Net charge-offs to loans0.0275%1,172
Credit loss provision to net charge-offs243.7500%880
Earnings coverage of net charge-offs (x)95.0625%841
Efficiency ratio66.9348%2,390
Assets per employee ($millions)5.9209%2,819
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0234%3,498
Loan loss allowance to noncurrent loans4,148.2759%299
Noncurrent assets plus other real estate owned to assets0.0117%3,911
Noncurrent loans to loans0.0247%3,777
Net loans and leases to total assets46.7876%3,655
Net loans and leases to deposits51.6817%3,709
Net loans and leases to core deposits53.7259%3,707
Total domestic deposits to total assets90.5304%1,450
Equity capital to assets5.6688%4,313
Core capital (leverage) ratio8.6809%3,777
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6076%1,538
Memoranda:
Average total assets$246,504,0002,792
Average earning assets$232,192,3332,778
Average equity$17,287,3333,296
Average total loans$116,395,6672,983
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5341%1,688
Cost of funding earning assets0.2747%1,883
Net interest margin3.2595%1,685
Noninterest income to average assets0.5656%1,845
Noninterest expense to average assets2.5247%1,821
Loan and lease loss provision to assets0.0065%2,191
Net operating income to assets1.0904%1,550
Return on assets (ROA)1.0904%1,551
Pretax return on assets1.0904%2,173
Return on Equity (ROE)14.1719%805
Retained earnings to average equity (ytd only)14.1719%366
Net charge-offs to loans0.0138%1,269
Credit loss provision to net charge-offs100.0000%1,010
Earnings coverage of net charge-offs (x)168.2500%489
Efficiency ratio69.7120%2,271
Assets per employee ($millions)5.6072%3,226
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0116%3,673
Loan loss allowance to noncurrent loans3,371.4286%360
Noncurrent assets plus other real estate owned to assets0.0142%3,920
Noncurrent loans to loans0.0300%3,777
Net loans and leases to total assets46.7994%3,506
Net loans and leases to deposits52.3768%3,541
Net loans and leases to core deposits54.6501%3,550
Total domestic deposits to total assets89.3514%1,901
Equity capital to assets6.7640%4,313
Core capital (leverage) ratio8.6427%3,719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2872%1,698
Memoranda:
Average total assets$245,416,5002,809
Average earning assets$230,098,0002,804
Average equity$18,882,5003,244
Average total loans$115,816,5002,985
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7757%375
Cost of funding earning assets0.3674%1,782
Net interest margin4.4083%325
Noninterest income to average assets0.6367%2,003
Noninterest expense to average assets2.7520%1,480
Loan and lease loss provision to assets0.0085%2,911
Net operating income to assets2.0073%334
Return on assets (ROA)2.0073%352
Pretax return on assets2.0073%592
Return on Equity (ROE)22.9590%176
Retained earnings to average equity (ytd only)17.0250%121
Net charge-offs to loans-0.0372%4,194
Credit loss provision to net charge-offs-45.0000%3,247
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7208%3,485
Assets per employee ($millions)5.3069%3,467
Cash dividends to net income (ytd only)*25.8459%2,749
Condition Ratios (%)
Loss allowance to loans1.0262%3,638
Loan loss allowance to noncurrent loans3,189.1892%375
Noncurrent assets plus other real estate owned to assets0.0152%3,984
Noncurrent loans to loans0.0322%3,841
Net loans and leases to total assets46.6217%3,644
Net loans and leases to deposits53.3317%3,641
Net loans and leases to core deposits55.7263%3,641
Total domestic deposits to total assets87.4183%2,327
Equity capital to assets8.6340%3,955
Core capital (leverage) ratio8.7034%3,718
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7007%1,339
Memoranda:
Average total assets$212,026,6002,969
Average earning assets$198,695,4002,962
Average equity$18,537,4003,344
Average total loans$107,657,8003,111
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2237%217
Cost of funding earning assets0.3936%1,749
Net interest margin4.8301%193
Noninterest income to average assets0.6398%2,055
Noninterest expense to average assets2.8312%1,272
Loan and lease loss provision to assets0.0093%2,805
Net operating income to assets2.3228%267
Return on assets (ROA)2.3228%274
Pretax return on assets2.3228%448
Return on Equity (ROE)26.4686%139
Retained earnings to average equity (ytd only)18.2763%187
Net charge-offs to loans-0.0504%4,358
Credit loss provision to net charge-offs-35.0000%3,113
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8354%3,688
Assets per employee ($millions)4.7772%3,906
Cash dividends to net income (ytd only)*30.9510%2,028
Condition Ratios (%)
Loss allowance to loans1.1107%3,391
Loan loss allowance to noncurrent loans156.1008%2,860
Noncurrent assets plus other real estate owned to assets0.3358%2,106
Noncurrent loans to loans0.7116%1,562
Net loans and leases to total assets46.6699%3,742
Net loans and leases to deposits53.4286%3,784
Net loans and leases to core deposits55.8995%3,778
Total domestic deposits to total assets87.3500%2,188
Equity capital to assets8.2470%4,388
Core capital (leverage) ratio7.9329%4,496
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5815%1,771
Memoranda:
Average total assets$204,004,2503,071
Average earning assets$191,048,5003,052
Average equity$17,902,5003,435
Average total loans$105,824,5003,168
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1066%88
Cost of funding earning assets0.4139%1,769
Net interest margin5.6927%78
Noninterest income to average assets0.6340%2,073
Noninterest expense to average assets2.9681%1,035
Loan and lease loss provision to assets0.0091%2,742
Net operating income to assets2.9722%135
Return on assets (ROA)2.9722%141
Pretax return on assets2.9722%194
Return on Equity (ROE)33.1117%73
Retained earnings to average equity (ytd only)21.0988%129
Net charge-offs to loans-0.0794%4,544
Credit loss provision to net charge-offs-21.4286%2,928
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.8892%4,246
Assets per employee ($millions)4.5806%4,038
Cash dividends to net income (ytd only)*36.2799%1,769
Condition Ratios (%)
Loss allowance to loans1.0587%3,591
Loan loss allowance to noncurrent loans3,172.9730%294
Noncurrent assets plus other real estate owned to assets0.0172%4,167
Noncurrent loans to loans0.0334%4,032
Net loans and leases to total assets50.9645%3,453
Net loans and leases to deposits58.7162%3,479
Net loans and leases to core deposits61.8437%3,474
Total domestic deposits to total assets86.7981%2,427
Equity capital to assets8.4901%4,213
Core capital (leverage) ratio8.1887%4,270
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4045%1,500
Memoranda:
Average total assets$197,162,3333,125
Average earning assets$184,096,0003,109
Average equity$17,697,6673,455
Average total loans$105,777,6673,183
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3433%40
Cost of funding earning assets0.4362%1,826
Net interest margin6.9070%36
Noninterest income to average assets0.6061%2,178
Noninterest expense to average assets3.0431%924
Loan and lease loss provision to assets0.0085%2,662
Net operating income to assets4.0191%79
Return on assets (ROA)4.0191%81
Pretax return on assets4.0191%103
Return on Equity (ROE)43.4296%51
Retained earnings to average equity (ytd only)36.9496%46
Net charge-offs to loans-0.0388%4,294
Credit loss provision to net charge-offs-40.0000%2,742
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.0376%4,632
Assets per employee ($millions)4.2120%4,335
Cash dividends to net income (ytd only)*14.9206%2,151
Condition Ratios (%)
Loss allowance to loans1.0187%3,771
Loan loss allowance to noncurrent loans649.7143%951
Noncurrent assets plus other real estate owned to assets0.0884%3,748
Noncurrent loans to loans0.1568%3,546
Net loans and leases to total assets55.8049%3,066
Net loans and leases to deposits65.0618%3,018
Net loans and leases to core deposits68.5946%3,012
Total domestic deposits to total assets85.7721%2,823
Equity capital to assets9.0744%3,612
Core capital (leverage) ratio8.9207%3,691
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5557%2,059
Memoranda:
Average total assets$188,100,0003,182
Average earning assets$176,052,5003,157
Average equity$17,407,5003,475
Average total loans$103,219,5003,216
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6851%920
Cost of funding earning assets0.6291%2,126
Net interest margin4.0560%861
Noninterest income to average assets0.6724%1,946
Noninterest expense to average assets2.7395%2,117
Loan and lease loss provision to assets0.0107%4,228
Net operating income to assets1.7188%474
Return on assets (ROA)1.7188%515
Pretax return on assets1.7188%821
Return on Equity (ROE)18.1936%322
Retained earnings to average equity (ytd only)6.8708%1,441
Net charge-offs to loans0.0677%1,817
Credit loss provision to net charge-offs27.6923%3,226
Earnings coverage of net charge-offs (x)44.6000%1,301
Efficiency ratio61.3002%3,262
Assets per employee ($millions)4.5702%3,846
Cash dividends to net income (ytd only)*62.2353%1,259
Condition Ratios (%)
Loss allowance to loans1.1842%3,034
Loan loss allowance to noncurrent loans774.4828%818
Noncurrent assets plus other real estate owned to assets0.0814%3,925
Noncurrent loans to loans0.1529%3,673
Net loans and leases to total assets52.5738%3,626
Net loans and leases to deposits62.0483%3,605
Net loans and leases to core deposits66.0967%3,532
Total domestic deposits to total assets84.7304%2,862
Equity capital to assets9.4543%3,657
Core capital (leverage) ratio8.5307%4,178
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8856%1,570
Memoranda:
Average total assets$167,621,0003,218
Average earning assets$156,903,0003,197
Average equity$15,835,2003,575
Average total loans$96,040,8003,297
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8848%755
Cost of funding earning assets0.6638%2,238
Net interest margin4.2210%700
Noninterest income to average assets0.6700%1,904
Noninterest expense to average assets2.7568%2,101
Loan and lease loss provision to assets0.0103%4,172
Net operating income to assets1.8444%412
Return on assets (ROA)1.8444%455
Pretax return on assets1.8444%721
Return on Equity (ROE)19.5273%258
Retained earnings to average equity (ytd only)7.3762%1,550
Net charge-offs to loans0.0567%1,797
Credit loss provision to net charge-offs31.7073%2,947
Earnings coverage of net charge-offs (x)55.9756%1,131
Efficiency ratio59.7792%3,416
Assets per employee ($millions)4.5336%3,805
Cash dividends to net income (ytd only)*62.2261%1,049
Condition Ratios (%)
Loss allowance to loans1.0629%3,399
Loan loss allowance to noncurrent loans5,710.0000%151
Noncurrent assets plus other real estate owned to assets0.0113%4,443
Noncurrent loans to loans0.0186%4,348
Net loans and leases to total assets60.1207%3,220
Net loans and leases to deposits71.5218%3,180
Net loans and leases to core deposits76.2559%3,148
Total domestic deposits to total assets84.0592%2,799
Equity capital to assets9.4112%3,760
Core capital (leverage) ratio8.4104%4,376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9096%1,529
Memoranda:
Average total assets$164,967,0003,217
Average earning assets$154,052,5003,200
Average equity$15,581,2503,600
Average total loans$96,343,7503,296
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2214%542
Cost of funding earning assets0.6878%2,461
Net interest margin4.5336%466
Noninterest income to average assets0.6558%1,914
Noninterest expense to average assets2.8344%2,009
Loan and lease loss provision to assets0.0112%4,078
Net operating income to assets2.0345%310
Return on assets (ROA)2.0345%343
Pretax return on assets2.0345%510
Return on Equity (ROE)21.5125%181
Retained earnings to average equity (ytd only)8.8651%1,044
Net charge-offs to loans0.0799%1,449
Credit loss provision to net charge-offs24.3243%2,722
Earnings coverage of net charge-offs (x)44.5135%1,176
Efficiency ratio58.0809%3,674
Assets per employee ($millions)4.5114%3,776
Cash dividends to net income (ytd only)*58.7912%1,278
Condition Ratios (%)
Loss allowance to loans1.0887%3,129
Loan loss allowance to noncurrent loans464.2276%1,062
Noncurrent assets plus other real estate owned to assets0.1398%3,818
Noncurrent loans to loans0.2345%3,535
Net loans and leases to total assets58.9670%3,427
Net loans and leases to deposits69.9676%3,423
Net loans and leases to core deposits74.3227%3,434
Total domestic deposits to total assets84.2776%2,648
Equity capital to assets9.2574%3,873
Core capital (leverage) ratio8.6552%4,253
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2402%1,429
Memoranda:
Average total assets$161,019,0003,239
Average earning assets$150,035,6673,218
Average equity$15,228,3333,634
Average total loans$92,644,3333,359
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6158%1,956
Cost of funding earning assets0.7291%2,784
Net interest margin3.8867%1,713
Noninterest income to average assets0.7372%1,508
Noninterest expense to average assets3.0191%1,844
Loan and lease loss provision to assets0.0104%3,641
Net operating income to assets1.3181%1,192
Return on assets (ROA)1.3181%1,287
Pretax return on assets1.3181%1,823
Return on Equity (ROE)13.7701%746
Retained earnings to average equity (ytd only)0.4354%3,896
Net charge-offs to loans0.0370%1,678
Credit loss provision to net charge-offs50.0000%2,057
Earnings coverage of net charge-offs (x)63.7500%777
Efficiency ratio69.4428%2,441
Assets per employee ($millions)4.0197%3,892
Cash dividends to net income (ytd only)*96.8379%785
Condition Ratios (%)
Loss allowance to loans1.3377%1,964
Loan loss allowance to noncurrent loans647.7778%771
Noncurrent assets plus other real estate owned to assets0.1148%4,049
Noncurrent loans to loans0.2065%3,742
Net loans and leases to total assets54.8552%3,921
Net loans and leases to deposits64.9183%3,928
Net loans and leases to core deposits69.3645%3,919
Total domestic deposits to total assets84.4988%2,598
Equity capital to assets9.5000%4,218
Core capital (leverage) ratio9.2304%4,250
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6815%1,694
Memoranda:
Average total assets$153,555,5003,284
Average earning assets$142,640,5003,266
Average equity$14,698,5003,697
Average total loans$86,520,5003,471
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6466%2,478
Cost of funding earning assets0.7734%2,813
Net interest margin3.8733%2,266
Noninterest income to average assets0.7580%1,597
Noninterest expense to average assets2.7834%2,660
Loan and lease loss provision to assets0.0113%3,789
Net operating income to assets1.5605%917
Return on assets (ROA)1.6096%878
Pretax return on assets1.6096%1,457
Return on Equity (ROE)16.9989%422
Retained earnings to average equity (ytd only)0.0140%4,691
Net charge-offs to loans0.0382%2,625
Credit loss provision to net charge-offs54.8387%3,082
Earnings coverage of net charge-offs (x)76.4516%826
Efficiency ratio63.9105%3,084
Assets per employee ($millions)3.9564%3,954
Cash dividends to net income (ytd only)*99.9176%300
Condition Ratios (%)
Loss allowance to loans1.3624%1,659
Loan loss allowance to noncurrent loans1,125.0000%526
Noncurrent assets plus other real estate owned to assets0.0692%4,281
Noncurrent loans to loans0.1211%4,043
Net loans and leases to total assets56.3442%3,901
Net loans and leases to deposits67.3770%3,870
Net loans and leases to core deposits71.6276%3,879
Total domestic deposits to total assets83.6253%2,987
Equity capital to assets9.6473%4,220
Core capital (leverage) ratio9.3514%4,221
Tier 1 risk-based capital ratio14.6819%2,917
Total risk-based capital ratio15.9214%2,832
Memoranda:
Average total assets$150,786,0003,289
Average earning assets$140,037,0003,278
Average equity$14,277,4003,714
Average total loans$81,258,0003,574
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5945%2,745
Cost of funding earning assets0.7803%2,812
Net interest margin3.8142%2,547
Noninterest income to average assets0.7351%1,643
Noninterest expense to average assets2.7568%2,693
Loan and lease loss provision to assets0.0124%3,651
Net operating income to assets1.5118%1,160
Return on assets (ROA)1.5772%1,035
Pretax return on assets1.5772%1,710
Return on Equity (ROE)16.7357%513
Retained earnings to average equity (ytd only)-0.7032%4,834
Net charge-offs to loans0.0433%2,232
Credit loss provision to net charge-offs53.8462%2,755
Earnings coverage of net charge-offs (x)66.3380%995
Efficiency ratio64.3963%2,950
Assets per employee ($millions)4.1318%3,709
Cash dividends to net income (ytd only)*104.2018%281
Condition Ratios (%)
Loss allowance to loans1.4260%1,480
Loan loss allowance to noncurrent loans1,542.1053%407
Noncurrent assets plus other real estate owned to assets0.0511%4,457
Noncurrent loans to loans0.0925%4,235
Net loans and leases to total assets54.4673%4,139
Net loans and leases to deposits66.2805%4,043
Net loans and leases to core deposits70.3587%4,043
Total domestic deposits to total assets82.1770%3,423
Equity capital to assets9.7798%4,229
Core capital (leverage) ratio9.3278%4,347
Tier 1 risk-based capital ratio15.6086%2,599
Total risk-based capital ratio16.8588%2,537
Memoranda:
Average total assets$150,897,0003,320
Average earning assets$140,278,7503,305
Average equity$14,220,7503,750
Average total loans$80,102,7503,637
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5636%2,788
Cost of funding earning assets0.7758%2,769
Net interest margin3.7878%2,616
Noninterest income to average assets0.7361%1,579
Noninterest expense to average assets2.7399%2,783
Loan and lease loss provision to assets0.0119%3,523
Net operating income to assets1.5012%1,145
Return on assets (ROA)1.6001%954
Pretax return on assets1.6001%1,551
Return on Equity (ROE)17.1910%446
Retained earnings to average equity (ytd only)-0.7370%4,795
Net charge-offs to loans0.0630%1,751
Credit loss provision to net charge-offs36.0000%2,562
Earnings coverage of net charge-offs (x)45.8800%1,158
Efficiency ratio64.4231%3,072
Assets per employee ($millions)4.3056%3,424
Cash dividends to net income (ytd only)*104.2869%371
Condition Ratios (%)
Loss allowance to loans1.4761%1,342
Loan loss allowance to noncurrent loans3,156.7568%228
Noncurrent assets plus other real estate owned to assets0.0246%4,660
Noncurrent loans to loans0.0468%4,479
Net loans and leases to total assets51.7320%4,368
Net loans and leases to deposits64.4340%4,201
Net loans and leases to core deposits68.6063%4,182
Total domestic deposits to total assets80.2868%3,974
Equity capital to assets9.5716%4,335
Core capital (leverage) ratio9.1848%4,479
Tier 1 risk-based capital ratio15.8707%2,466
Total risk-based capital ratio17.1215%2,408
Memoranda:
Average total assets$151,614,0003,332
Average earning assets$140,766,3303,316
Average equity$14,112,0003,770
Average total loans$79,407,0003,668
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5003%2,862
Cost of funding earning assets0.7477%2,800
Net interest margin3.7526%2,703
Noninterest income to average assets0.7076%1,583
Noninterest expense to average assets2.6724%2,988
Loan and lease loss provision to assets0.0132%3,265
Net operating income to assets1.5072%1,099
Return on assets (ROA)1.5072%1,127
Pretax return on assets1.5072%1,739
Return on Equity (ROE)16.4230%542
Retained earnings to average equity (ytd only)-3.4394%4,837
Net charge-offs to loans0.1659%818
Credit loss provision to net charge-offs15.1515%2,162
Earnings coverage of net charge-offs (x)17.5152%1,654
Efficiency ratio63.7390%3,280
Assets per employee ($millions)4.3179%3,465
Cash dividends to net income (ytd only)*120.9424%464
Condition Ratios (%)
Loss allowance to loans1.4774%1,400
Loan loss allowance to noncurrent loans448.0620%1,143
Noncurrent assets plus other real estate owned to assets0.1707%3,967
Noncurrent loans to loans0.3297%3,388
Net loans and leases to total assets51.0097%4,406
Net loans and leases to deposits63.3339%4,231
Net loans and leases to core deposits68.0106%4,177
Total domestic deposits to total assets80.5410%4,065
Equity capital to assets9.3298%4,405
Core capital (leverage) ratio9.0221%4,639
Tier 1 risk-based capital ratio15.5651%2,622
Total risk-based capital ratio16.8149%2,542
Memoranda:
Average total assets$152,073,0003,363
Average earning assets$141,235,5003,353
Average equity$13,956,0003,807
Average total loans$79,547,5003,701
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3182%3,050
Cost of funding earning assets0.5493%3,053
Net interest margin3.7690%2,786
Noninterest income to average assets0.7519%1,635
Noninterest expense to average assets2.6587%3,158
Loan and lease loss provision to assets0.0119%3,901
Net operating income to assets1.5950%879
Return on assets (ROA)1.5950%870
Pretax return on assets1.5950%1,485
Return on Equity (ROE)17.7471%419
Retained earnings to average equity (ytd only)0.8675%4,752
Net charge-offs to loans-0.0222%4,727
Credit loss provision to net charge-offs-100.0000%4,393
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3296%3,461
Assets per employee ($millions)4.3719%3,342
Cash dividends to net income (ytd only)*95.1118%345
Condition Ratios (%)
Loss allowance to loans1.4645%1,402
Loan loss allowance to noncurrent loans8,457.1429%104
Noncurrent assets plus other real estate owned to assets0.0091%4,861
Noncurrent loans to loans0.0173%4,717
Net loans and leases to total assets52.0625%4,405
Net loans and leases to deposits62.5849%4,342
Net loans and leases to core deposits66.1428%4,345
Total domestic deposits to total assets83.1869%3,266
Equity capital to assets9.0264%4,555
Core capital (leverage) ratio9.2626%4,385
Tier 1 risk-based capital ratio15.7656%2,505
Total risk-based capital ratio17.0160%2,428
Memoranda:
Average total assets$151,350,4003,371
Average earning assets$141,099,6003,347
Average equity$13,602,2003,800
Average total loans$81,109,6003,646
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2526%3,141
Cost of funding earning assets0.5316%2,982
Net interest margin3.7210%2,940
Noninterest income to average assets0.7473%1,684
Noninterest expense to average assets2.6872%3,006
Loan and lease loss provision to assets0.0124%3,749
Net operating income to assets1.5229%1,142
Return on assets (ROA)1.5229%1,138
Pretax return on assets1.5229%1,826
Return on Equity (ROE)16.9642%544
Retained earnings to average equity (ytd only)0.5609%4,942
Net charge-offs to loans-0.0411%4,863
Credit loss provision to net charge-offs-56.0000%4,172
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6402%3,246
Assets per employee ($millions)4.3069%3,414
Cash dividends to net income (ytd only)*96.6937%298
Condition Ratios (%)
Loss allowance to loans1.4605%1,488
Loan loss allowance to noncurrent loans618.2292%895
Noncurrent assets plus other real estate owned to assets0.1274%4,326
Noncurrent loans to loans0.2362%3,855
Net loans and leases to total assets53.1299%4,408
Net loans and leases to deposits61.2846%4,480
Net loans and leases to core deposits64.6528%4,480
Total domestic deposits to total assets86.6936%1,870
Equity capital to assets8.9273%4,613
Core capital (leverage) ratio9.2399%4,474
Tier 1 risk-based capital ratio15.8642%2,495
Total risk-based capital ratio17.1153%2,432
Memoranda:
Average total assets$150,933,5003,411
Average earning assets$140,961,7503,383
Average equity$13,549,7503,834
Average total loans$81,174,7503,672
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1561%3,258
Cost of funding earning assets0.5277%2,776
Net interest margin3.6285%3,206
Noninterest income to average assets0.7364%1,704
Noninterest expense to average assets2.6649%3,118
Loan and lease loss provision to assets0.0119%3,619
Net operating income to assets1.4477%1,287
Return on assets (ROA)1.4477%1,287
Pretax return on assets1.4477%1,994
Return on Equity (ROE)16.0964%655
Retained earnings to average equity (ytd only)-0.3534%5,004
Net charge-offs to loans0.0394%2,066
Credit loss provision to net charge-offs56.2500%2,454
Earnings coverage of net charge-offs (x)68.8750%922
Efficiency ratio64.6114%3,229
Assets per employee ($millions)4.2935%3,431
Cash dividends to net income (ytd only)*102.1958%357
Condition Ratios (%)
Loss allowance to loans1.4247%1,665
Loan loss allowance to noncurrent loans1,756.9231%369
Noncurrent assets plus other real estate owned to assets0.0433%4,808
Noncurrent loans to loans0.0811%4,547
Net loans and leases to total assets52.5800%4,442
Net loans and leases to deposits60.9081%4,484
Net loans and leases to core deposits64.2722%4,477
Total domestic deposits to total assets86.3268%2,128
Equity capital to assets8.9764%4,583
Core capital (leverage) ratio9.2270%4,439
Tier 1 risk-based capital ratio15.8747%2,479
Total risk-based capital ratio17.1246%2,428
Memoranda:
Average total assets$150,998,0003,423
Average earning assets$140,996,6703,397
Average equity$13,580,6703,858
Average total loans$81,141,3303,694
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1650%3,010
Cost of funding earning assets0.5192%2,645
Net interest margin3.6458%3,005
Noninterest income to average assets0.7162%1,760
Noninterest expense to average assets2.6770%3,106
Loan and lease loss provision to assets0.0132%3,362
Net operating income to assets1.4403%1,223
Return on assets (ROA)1.4403%1,228
Pretax return on assets1.4403%1,864
Return on Equity (ROE)15.9982%620
Retained earnings to average equity (ytd only)-0.7045%4,882
Net charge-offs to loans0.0098%2,399
Credit loss provision to net charge-offs250.0000%905
Earnings coverage of net charge-offs (x)275.0000%249
Efficiency ratio64.8113%3,352
Assets per employee ($millions)4.3810%3,354
Cash dividends to net income (ytd only)*104.4037%549
Condition Ratios (%)
Loss allowance to loans1.4271%1,735
Loan loss allowance to noncurrent loans5,755.0000%146
Noncurrent assets plus other real estate owned to assets0.0134%5,059
Noncurrent loans to loans0.0248%4,868
Net loans and leases to total assets53.3742%4,339
Net loans and leases to deposits61.9689%4,343
Net loans and leases to core deposits72.0900%3,948
Total domestic deposits to total assets86.1306%2,489
Equity capital to assets9.0813%4,474
Core capital (leverage) ratio9.2873%4,340
Tier 1 risk-based capital ratio15.7434%2,573
Total risk-based capital ratio16.9934%2,527
Memoranda:
Average total assets$151,361,0003,450
Average earning assets$141,753,0003,430
Average equity$13,626,5003,884
Average total loans$81,634,5003,717
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3749%2,098
Cost of funding earning assets0.5179%2,195
Net interest margin3.8570%2,232
Noninterest income to average assets0.7523%1,764
Noninterest expense to average assets2.8012%2,775
Loan and lease loss provision to assets0.0465%3,302
Net operating income to assets1.4985%806
Return on assets (ROA)1.4985%824
Pretax return on assets1.4985%1,647
Return on Equity (ROE)15.9646%490
Retained earnings to average equity (ytd only)0.4668%4,849
Net charge-offs to loans0.0220%3,365
Credit loss provision to net charge-offs357.8947%824
Earnings coverage of net charge-offs (x)118.7895%570
Efficiency ratio64.4511%3,539
Assets per employee ($millions)4.6596%2,939
Cash dividends to net income (ytd only)*97.0763%407
Condition Ratios (%)
Loss allowance to loans1.3896%1,808
Loan loss allowance to noncurrent loans4,592.0000%197
Noncurrent assets plus other real estate owned to assets0.0163%5,077
Noncurrent loans to loans0.0303%4,875
Net loans and leases to total assets52.9805%4,445
Net loans and leases to deposits61.3535%4,489
Net loans and leases to core deposits70.9550%4,111
Total domestic deposits to total assets86.3528%2,291
Equity capital to assets8.9264%4,790
Core capital (leverage) ratio9.1718%4,430
Tier 1 risk-based capital ratio15.7532%2,531
Total risk-based capital ratio17.0030%2,474
Memoranda:
Average total assets$146,082,6003,521
Average earning assets$136,116,8003,505
Average equity$13,711,6003,883
Average total loans$86,557,2003,598
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4366%1,839
Cost of funding earning assets0.5167%2,136
Net interest margin3.9199%1,969
Noninterest income to average assets0.7575%1,746
Noninterest expense to average assets2.8467%2,572
Loan and lease loss provision to assets0.0592%2,896
Net operating income to assets1.5001%896
Return on assets (ROA)1.5001%921
Pretax return on assets1.5001%1,767
Return on Equity (ROE)15.7763%550
Retained earnings to average equity (ytd only)0.7587%5,044
Net charge-offs to loans0.0122%3,302
Credit loss provision to net charge-offs800.0000%432
Earnings coverage of net charge-offs (x)210.6785%407
Efficiency ratio64.6096%3,433
Assets per employee ($millions)4.5055%3,132
Cash dividends to net income (ytd only)*95.1915%368
Condition Ratios (%)
Loss allowance to loans1.3267%2,229
Loan loss allowance to noncurrent loans5,775.0000%143
Noncurrent assets plus other real estate owned to assets0.0135%5,192
Noncurrent loans to loans0.0230%5,021
Net loans and leases to total assets57.7759%4,083
Net loans and leases to deposits67.8298%4,125
Net loans and leases to core deposits75.9699%3,802
Total domestic deposits to total assets85.1779%2,647
Equity capital to assets9.3252%4,627
Core capital (leverage) ratio9.4185%4,267
Tier 1 risk-based capital ratio14.9845%2,925
Total risk-based capital ratio16.2343%2,854
Memoranda:
Average total assets$144,161,2503,577
Average earning assets$134,183,5003,574
Average equity$13,708,0003,924
Average total loans$87,542,7503,607
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4290%1,727
Cost of funding earning assets0.5161%2,050
Net interest margin3.9129%1,881
Noninterest income to average assets0.7346%1,840
Noninterest expense to average assets2.9077%2,400
Loan and lease loss provision to assets0.0715%2,541
Net operating income to assets1.3908%1,094
Return on assets (ROA)1.3908%1,117
Pretax return on assets1.3908%2,059
Return on Equity (ROE)14.5288%732
Retained earnings to average equity (ytd only)-0.7177%5,192
Net charge-offs to loans-0.0160%4,687
Credit loss provision to net charge-offs-728.5714%4,755
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5383%3,255
Assets per employee ($millions)4.0501%3,873
Cash dividends to net income (ytd only)*104.9395%428
Condition Ratios (%)
Loss allowance to loans1.3339%2,257
Loan loss allowance to noncurrent loans521.1712%990
Noncurrent assets plus other real estate owned to assets0.1566%4,556
Noncurrent loans to loans0.2560%4,124
Net loans and leases to total assets60.3716%3,811
Net loans and leases to deposits72.0184%3,737
Net loans and leases to core deposits80.8988%3,353
Total domestic deposits to total assets83.8281%3,273
Equity capital to assets9.7092%4,219
Core capital (leverage) ratio9.6082%4,014
Tier 1 risk-based capital ratio14.9664%2,944
Total risk-based capital ratio16.2163%2,874
Memoranda:
Average total assets$142,654,0003,621
Average earning assets$132,536,0003,614
Average equity$13,655,6703,941
Average total loans$87,704,3303,623
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4107%1,617
Cost of funding earning assets0.5329%1,842
Net interest margin3.8778%1,862
Noninterest income to average assets0.7267%1,846
Noninterest expense to average assets2.8594%2,581
Loan and lease loss provision to assets0.0978%1,930
Net operating income to assets1.3696%1,060
Return on assets (ROA)1.3696%1,097
Pretax return on assets1.3696%1,988
Return on Equity (ROE)14.4096%737
Retained earnings to average equity (ytd only)-1.7939%5,152
Net charge-offs to loans-0.0181%4,692
Credit loss provision to net charge-offs-875.0000%4,377
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0853%3,482
Assets per employee ($millions)4.0431%3,935
Cash dividends to net income (ytd only)*112.4490%595
Condition Ratios (%)
Loss allowance to loans1.2963%2,555
Loan loss allowance to noncurrent loans3,448.4848%219
Noncurrent assets plus other real estate owned to assets0.0233%5,238
Noncurrent loans to loans0.0376%5,050
Net loans and leases to total assets61.2336%3,630
Net loans and leases to deposits73.0320%3,510
Net loans and leases to core deposits82.2365%3,073
Total domestic deposits to total assets83.8448%3,536
Equity capital to assets9.6277%4,155
Core capital (leverage) ratio9.5352%4,076
Tier 1 risk-based capital ratio14.7591%3,093
Total risk-based capital ratio15.9928%3,018
Memoranda:
Average total assets$143,105,0003,644
Average earning assets$132,858,0003,640
Average equity$13,602,0003,977
Average total loans$88,189,0003,640
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3748%1,898
Cost of funding earning assets0.5092%2,022
Net interest margin3.8656%2,081
Noninterest income to average assets0.7729%1,866
Noninterest expense to average assets2.7439%3,212
Loan and lease loss provision to assets0.1360%1,839
Net operating income to assets1.4709%883
Return on assets (ROA)1.4709%907
Pretax return on assets1.4709%1,676
Return on Equity (ROE)15.5368%557
Retained earnings to average equity (ytd only)1.2264%4,798
Net charge-offs to loans0.0999%2,281
Credit loss provision to net charge-offs232.9412%1,238
Earnings coverage of net charge-offs (x)27.5176%1,511
Efficiency ratio63.0665%4,093
Assets per employee ($millions)4.1343%3,730
Cash dividends to net income (ytd only)*92.1065%531
Condition Ratios (%)
Loss allowance to loans1.2406%2,874
Loan loss allowance to noncurrent loans261.6667%1,832
Noncurrent assets plus other real estate owned to assets0.2903%4,117
Noncurrent loans to loans0.4741%3,451
Net loans and leases to total assets60.4626%3,795
Net loans and leases to deposits76.6461%3,243
Net loans and leases to core deposits86.1529%2,834
Total domestic deposits to total assets78.8854%4,819
Equity capital to assets9.3849%4,387
Core capital (leverage) ratio9.4180%4,203
Tier 1 risk-based capital ratio14.6352%3,129
Total risk-based capital ratio15.8114%3,104
Memoranda:
Average total assets$145,557,2003,582
Average earning assets$134,727,6003,578
Average equity$13,780,2003,968
Average total loans$85,116,4003,683
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3688%1,949
Cost of funding earning assets0.5009%2,096
Net interest margin3.8679%2,091
Noninterest income to average assets0.7848%1,827
Noninterest expense to average assets2.7613%3,140
Loan and lease loss provision to assets0.1500%1,562
Net operating income to assets1.4543%968
Return on assets (ROA)1.4543%1,013
Pretax return on assets1.4543%1,866
Return on Equity (ROE)15.3284%629
Retained earnings to average equity (ytd only)1.6293%4,860
Net charge-offs to loans0.1219%1,738
Credit loss provision to net charge-offs212.9870%1,374
Earnings coverage of net charge-offs (x)22.7801%1,736
Efficiency ratio63.2516%4,030
Assets per employee ($millions)4.0425%3,892
Cash dividends to net income (ytd only)*89.3710%547
Condition Ratios (%)
Loss allowance to loans1.2600%2,897
Loan loss allowance to noncurrent loans192.6391%2,308
Noncurrent assets plus other real estate owned to assets0.3827%3,890
Noncurrent loans to loans0.6540%3,062
Net loans and leases to total assets57.7808%4,117
Net loans and leases to deposits74.8316%3,517
Net loans and leases to core deposits84.0579%3,113
Total domestic deposits to total assets77.2145%5,042
Equity capital to assets9.6495%4,512
Core capital (leverage) ratio9.3455%4,397
Tier 1 risk-based capital ratio15.0885%3,004
Total risk-based capital ratio16.2724%2,973
Memoranda:
Average total assets$145,771,2503,596
Average earning assets$134,954,0003,588
Average equity$13,830,2503,998
Average total loans$84,248,2503,722
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3581%1,955
Cost of funding earning assets0.4908%2,181
Net interest margin3.8673%2,095
Noninterest income to average assets0.7638%1,871
Noninterest expense to average assets2.8070%3,004
Loan and lease loss provision to assets0.1769%1,238
Net operating income to assets1.3562%1,150
Return on assets (ROA)1.3562%1,220
Pretax return on assets1.3562%2,184
Return on Equity (ROE)14.3757%774
Retained earnings to average equity (ytd only)1.0466%4,972
Net charge-offs to loans0.1739%1,302
Credit loss provision to net charge-offs176.7123%1,418
Earnings coverage of net charge-offs (x)15.3151%2,001
Efficiency ratio64.6761%3,904
Assets per employee ($millions)4.0803%3,767
Cash dividends to net income (ytd only)*92.7199%631
Condition Ratios (%)
Loss allowance to loans1.2400%3,133
Loan loss allowance to noncurrent loans3,476.6667%201
Noncurrent assets plus other real estate owned to assets0.0204%5,516
Noncurrent loans to loans0.0357%5,327
Net loans and leases to total assets56.5549%4,246
Net loans and leases to deposits73.9465%3,602
Net loans and leases to core deposits82.9353%3,178
Total domestic deposits to total assets76.4809%5,225
Equity capital to assets9.5269%4,744
Core capital (leverage) ratio9.3066%4,451
Tier 1 risk-based capital ratio15.2534%2,956
Total risk-based capital ratio16.4250%2,928
Memoranda:
Average total assets$145,851,3303,617
Average earning assets$134,874,3303,613
Average equity$13,759,3304,022
Average total loans$83,943,6703,746
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3616%1,923
Cost of funding earning assets0.4665%2,413
Net interest margin3.8952%1,949
Noninterest income to average assets0.7954%1,633
Noninterest expense to average assets2.8459%2,904
Loan and lease loss provision to assets0.2202%870
Net operating income to assets1.3376%1,160
Return on assets (ROA)1.3376%1,244
Pretax return on assets1.3376%2,143
Return on Equity (ROE)14.2501%795
Retained earnings to average equity (ytd only)0.1759%5,069
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6250%4,028
Assets per employee ($millions)4.0689%3,833
Cash dividends to net income (ytd only)*98.7654%727
Condition Ratios (%)
Loss allowance to loans1.2520%3,167
Loan loss allowance to noncurrent loans334.1693%1,470
Noncurrent assets plus other real estate owned to assets0.2178%4,690
Noncurrent loans to loans0.3746%4,092
Net loans and leases to total assets57.4006%4,102
Net loans and leases to deposits72.1205%3,640
Net loans and leases to core deposits81.2055%3,213
Total domestic deposits to total assets79.5898%4,838
Equity capital to assets9.3855%4,788
Core capital (leverage) ratio9.2672%4,527
Tier 1 risk-based capital ratio15.0185%3,150
Total risk-based capital ratio16.2034%3,118
Memoranda:
Average total assets$145,332,5003,648
Average earning assets$134,628,5003,640
Average equity$13,642,0004,053
Average total loans$83,857,5003,761
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2047%2,545
Cost of funding earning assets0.4128%3,023
Net interest margin3.7919%2,403
Noninterest income to average assets0.7176%2,115
Noninterest expense to average assets2.5813%3,986
Loan and lease loss provision to assets0.0943%2,434
Net operating income to assets1.5872%726
Return on assets (ROA)1.5872%749
Pretax return on assets1.5872%1,287
Return on Equity (ROE)17.4611%416
Retained earnings to average equity (ytd only)4.8440%2,533
Net charge-offs to loans-0.0063%5,022
Credit loss provision to net charge-offs-2,740.0000%5,676
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5552%4,829
Assets per employee ($millions)4.2407%3,505
Cash dividends to net income (ytd only)*72.2583%1,152
Condition Ratios (%)
Loss allowance to loans1.1942%3,522
Loan loss allowance to noncurrent loans788.8000%729
Noncurrent assets plus other real estate owned to assets0.0874%5,275
Noncurrent loans to loans0.1514%4,890
Net loans and leases to total assets56.5819%4,245
Net loans and leases to deposits69.5783%3,964
Net loans and leases to core deposits77.1665%3,654
Total domestic deposits to total assets81.3211%4,396
Equity capital to assets9.3880%4,685
Core capital (leverage) ratio9.3720%4,368
Tier 1 risk-based capital ratio15.2425%3,057
Total risk-based capital ratio16.3552%3,061
Memoranda:
Average total assets$145,353,8003,641
Average earning assets$135,895,4003,598
Average equity$13,212,2004,094
Average total loans$78,994,0003,863
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1521%2,741
Cost of funding earning assets0.4092%3,133
Net interest margin3.7429%2,602
Noninterest income to average assets0.7269%2,123
Noninterest expense to average assets2.5312%4,101
Loan and lease loss provision to assets0.0952%2,266
Net operating income to assets1.6093%757
Return on assets (ROA)1.6093%781
Pretax return on assets1.6093%1,354
Return on Equity (ROE)17.8501%411
Retained earnings to average equity (ytd only)5.9094%2,303
Net charge-offs to loans-0.0273%5,312
Credit loss provision to net charge-offs-650.0000%5,415
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7579%4,918
Assets per employee ($millions)4.2834%3,352
Cash dividends to net income (ytd only)*66.8942%1,142
Condition Ratios (%)
Loss allowance to loans1.1706%3,815
Loan loss allowance to noncurrent loans557.2254%932
Noncurrent assets plus other real estate owned to assets0.1463%5,178
Noncurrent loans to loans0.2101%4,809
Net loans and leases to total assets55.8867%4,367
Net loans and leases to deposits68.2287%4,171
Net loans and leases to core deposits75.2775%3,876
Total domestic deposits to total assets81.9108%4,191
Equity capital to assets9.3021%5,002
Core capital (leverage) ratio9.2666%4,634
Tier 1 risk-based capital ratio15.7530%2,920
Total risk-based capital ratio16.8822%2,911
Memoranda:
Average total assets$145,646,2503,669
Average earning assets$136,538,7503,618
Average equity$13,131,2504,162
Average total loans$78,100,5003,918
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0859%2,945
Cost of funding earning assets0.4102%3,156
Net interest margin3.6757%2,810
Noninterest income to average assets0.7031%2,205
Noninterest expense to average assets2.5239%4,162
Loan and lease loss provision to assets0.0906%2,306
Net operating income to assets1.5338%851
Return on assets (ROA)1.5338%891
Pretax return on assets1.5338%1,544
Return on Equity (ROE)17.1943%462
Retained earnings to average equity (ytd only)5.2799%2,688
Net charge-offs to loans-0.0130%5,013
Credit loss provision to net charge-offs-1,320.0000%5,409
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8408%4,857
Assets per employee ($millions)4.2041%3,462
Cash dividends to net income (ytd only)*69.2927%1,239
Condition Ratios (%)
Loss allowance to loans1.1764%3,933
Loan loss allowance to noncurrent loans378.0992%1,321
Noncurrent assets plus other real estate owned to assets0.1973%5,077
Noncurrent loans to loans0.3111%4,577
Net loans and leases to total assets53.7750%4,578
Net loans and leases to deposits63.7908%4,555
Net loans and leases to core deposits70.7875%4,247
Total domestic deposits to total assets84.2990%3,447
Equity capital to assets9.1451%5,088
Core capital (leverage) ratio9.1033%4,813
Tier 1 risk-based capital ratio16.3330%2,697
Total risk-based capital ratio17.4644%2,703
Memoranda:
Average total assets$145,650,3303,700
Average earning assets$136,519,0003,650
Average equity$12,992,6704,214
Average total loans$76,682,6703,986
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0196%3,161
Cost of funding earning assets0.4060%3,240
Net interest margin3.6136%2,948
Noninterest income to average assets0.6558%2,377
Noninterest expense to average assets2.5414%4,133
Loan and lease loss provision to assets0.0898%2,196
Net operating income to assets1.4149%1,006
Return on assets (ROA)1.4149%1,062
Pretax return on assets1.4149%1,837
Return on Equity (ROE)16.0581%563
Retained earnings to average equity (ytd only)5.1262%2,983
Net charge-offs to loans-0.0105%4,739
Credit loss provision to net charge-offs-1,650.0000%5,097
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8110%4,651
Assets per employee ($millions)4.3154%3,344
Cash dividends to net income (ytd only)*68.0769%1,229
Condition Ratios (%)
Loss allowance to loans1.1405%4,319
Loan loss allowance to noncurrent loans496.6102%1,013
Noncurrent assets plus other real estate owned to assets0.1479%5,363
Noncurrent loans to loans0.2297%4,953
Net loans and leases to total assets51.9291%4,670
Net loans and leases to deposits61.3566%4,634
Net loans and leases to core deposits68.0176%4,320
Total domestic deposits to total assets84.6350%3,568
Equity capital to assets8.9113%5,381
Core capital (leverage) ratio8.9913%4,965
Tier 1 risk-based capital ratio16.5842%2,651
Total risk-based capital ratio17.7027%2,644
Memoranda:
Average total assets$147,005,5003,697
Average earning assets$137,923,0003,659
Average equity$12,953,0004,243
Average total loans$76,133,5004,019
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9056%4,108
Cost of funding earning assets0.4419%3,254
Net interest margin3.4637%3,928
Noninterest income to average assets0.7064%2,273
Noninterest expense to average assets2.5180%4,488
Loan and lease loss provision to assets0.0845%2,789
Net operating income to assets1.3608%1,159
Return on assets (ROA)1.3608%1,206
Pretax return on assets1.3608%2,037
Return on Equity (ROE)15.5047%700
Retained earnings to average equity (ytd only)2.6670%4,344
Net charge-offs to loans0.0547%3,741
Credit loss provision to net charge-offs290.4762%883
Earnings coverage of net charge-offs (x)49.6905%928
Efficiency ratio63.5331%4,661
Assets per employee ($millions)4.4633%3,090
Cash dividends to net income (ytd only)*82.7990%810
Condition Ratios (%)
Loss allowance to loans1.1224%4,435
Loan loss allowance to noncurrent loans680.6452%834
Noncurrent assets plus other real estate owned to assets0.1113%5,590
Noncurrent loans to loans0.1649%5,238
Net loans and leases to total assets50.4807%4,921
Net loans and leases to deposits59.5621%4,939
Net loans and leases to core deposits65.9892%4,670
Total domestic deposits to total assets84.7530%3,392
Equity capital to assets8.7115%5,572
Core capital (leverage) ratio8.7613%5,280
Tier 1 risk-based capital ratio16.5637%2,689
Total risk-based capital ratio17.6502%2,705
Memoranda:
Average total assets$144,397,8003,717
Average earning assets$135,778,4003,660
Average equity$12,673,6004,247
Average total loans$76,777,4003,977
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9180%4,104
Cost of funding earning assets0.4500%3,247
Net interest margin3.4680%3,950
Noninterest income to average assets0.7173%2,247
Noninterest expense to average assets2.5260%4,447
Loan and lease loss provision to assets0.0826%2,700
Net operating income to assets1.3697%1,195
Return on assets (ROA)1.3697%1,236
Pretax return on assets1.3697%2,116
Return on Equity (ROE)15.5763%735
Retained earnings to average equity (ytd only)3.1448%4,384
Net charge-offs to loans0.0397%3,709
Credit loss provision to net charge-offs386.9565%729
Earnings coverage of net charge-offs (x)68.0342%792
Efficiency ratio63.4943%4,633
Assets per employee ($millions)4.5203%2,932
Cash dividends to net income (ytd only)*79.8105%749
Condition Ratios (%)
Loss allowance to loans1.0952%4,774
Loan loss allowance to noncurrent loans377.2727%1,258
Noncurrent assets plus other real estate owned to assets0.1943%5,438
Noncurrent loans to loans0.2903%5,042
Net loans and leases to total assets51.8210%4,829
Net loans and leases to deposits61.5424%4,789
Net loans and leases to core deposits68.2796%4,482
Total domestic deposits to total assets84.2037%3,683
Equity capital to assets8.8677%5,495
Core capital (leverage) ratio8.9046%5,188
Tier 1 risk-based capital ratio16.9041%2,646
Total risk-based capital ratio17.9979%2,658
Memoranda:
Average total assets$143,675,2503,766
Average earning assets$135,099,0003,705
Average equity$12,634,2504,286
Average total loans$77,172,7503,987
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9042%4,120
Cost of funding earning assets0.4633%3,181
Net interest margin3.4408%4,010
Noninterest income to average assets0.6878%2,340
Noninterest expense to average assets2.5504%4,414
Loan and lease loss provision to assets0.0781%2,720
Net operating income to assets1.2919%1,334
Return on assets (ROA)1.2919%1,387
Pretax return on assets1.2919%2,281
Return on Equity (ROE)14.7335%835
Retained earnings to average equity (ytd only)1.7502%5,023
Net charge-offs to loans0.0258%3,685
Credit loss provision to net charge-offs560.0000%538
Earnings coverage of net charge-offs (x)98.2000%560
Efficiency ratio65.0534%4,528
Assets per employee ($millions)4.5153%2,897
Cash dividends to net income (ytd only)*88.1210%723
Condition Ratios (%)
Loss allowance to loans1.0217%5,260
Loan loss allowance to noncurrent loans203.0075%2,101
Noncurrent assets plus other real estate owned to assets0.3184%5,102
Noncurrent loans to loans0.5033%4,484
Net loans and leases to total assets54.3100%4,500
Net loans and leases to deposits64.4664%4,447
Net loans and leases to core deposits71.7586%4,074
Total domestic deposits to total assets84.2454%3,836
Equity capital to assets8.7473%5,578
Core capital (leverage) ratio8.9931%5,026
Tier 1 risk-based capital ratio16.1049%3,038
Total risk-based capital ratio17.1371%3,086
Memoranda:
Average total assets$143,351,0003,793
Average earning assets$134,677,0003,733
Average equity$12,570,0004,306
Average total loans$77,634,3303,982
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9041%4,071
Cost of funding earning assets0.4742%3,184
Net interest margin3.4299%3,985
Noninterest income to average assets0.6584%2,411
Noninterest expense to average assets2.5157%4,566
Loan and lease loss provision to assets0.0644%2,833
Net operating income to assets1.2999%1,210
Return on assets (ROA)1.2999%1,257
Pretax return on assets1.2999%2,092
Return on Equity (ROE)14.8060%812
Retained earnings to average equity (ytd only)0.4148%5,413
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8375%4,722
Assets per employee ($millions)4.4579%3,047
Cash dividends to net income (ytd only)*97.1983%719
Condition Ratios (%)
Loss allowance to loans1.0162%5,453
Loan loss allowance to noncurrent loans1,674.4681%336
Noncurrent assets plus other real estate owned to assets0.0757%6,021
Noncurrent loans to loans0.0607%5,969
Net loans and leases to total assets53.7370%4,455
Net loans and leases to deposits63.9291%4,320
Net loans and leases to core deposits74.1044%3,635
Total domestic deposits to total assets84.0572%4,255
Equity capital to assets8.7919%5,350
Core capital (leverage) ratio8.9826%5,039
Tier 1 risk-based capital ratio16.4311%2,931
Total risk-based capital ratio17.4621%3,009
Memoranda:
Average total assets$142,781,0003,829
Average earning assets$134,114,5003,765
Average equity$12,535,5004,336
Average total loans$76,810,0004,040
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8987%4,471
Cost of funding earning assets0.5905%2,752
Net interest margin3.3082%4,632
Noninterest income to average assets0.6529%2,795
Noninterest expense to average assets2.3161%5,324
Loan and lease loss provision to assets0.0428%4,265
Net operating income to assets1.4061%1,013
Return on assets (ROA)1.4061%1,051
Pretax return on assets1.4061%1,756
Return on Equity (ROE)16.3425%582
Retained earnings to average equity (ytd only)1.2367%5,273
Net charge-offs to loans-0.0053%5,938
Credit loss provision to net charge-offs-1,550.0000%6,289
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5159%5,289
Assets per employee ($millions)4.4659%2,963
Cash dividends to net income (ytd only)*92.4324%586
Condition Ratios (%)
Loss allowance to loans1.0030%5,546
Loan loss allowance to noncurrent loans1,123.5294%457
Noncurrent assets plus other real estate owned to assets0.0903%6,073
Noncurrent loans to loans0.0893%5,948
Net loans and leases to total assets52.7689%4,752
Net loans and leases to deposits62.8352%4,635
Net loans and leases to core deposits72.4374%4,013
Total domestic deposits to total assets83.9799%4,176
Equity capital to assets8.7672%5,292
Core capital (leverage) ratio8.9341%5,103
Tier 1 risk-based capital ratio14.7704%3,805
Total risk-based capital ratio15.6711%3,950
Memoranda:
Average total assets$144,728,6003,791
Average earning assets$136,148,4003,719
Average equity$12,452,2004,366
Average total loans$76,138,6004,053
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8768%4,589
Cost of funding earning assets0.6315%2,532
Net interest margin3.2453%4,846
Noninterest income to average assets0.6373%2,938
Noninterest expense to average assets2.2895%5,376
Loan and lease loss provision to assets0.0395%4,217
Net operating income to assets1.3619%1,202
Return on assets (ROA)1.3619%1,245
Pretax return on assets1.3619%2,068
Return on Equity (ROE)15.9035%661
Retained earnings to average equity (ytd only)1.2118%5,497
Net charge-offs to loans-0.0350%6,202
Credit loss provision to net charge-offs-215.0000%5,914
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0304%5,135
Assets per employee ($millions)4.4542%2,949
Cash dividends to net income (ytd only)*92.3804%526
Condition Ratios (%)
Loss allowance to loans0.9855%5,788
Loan loss allowance to noncurrent loans168.7361%2,310
Noncurrent assets plus other real estate owned to assets0.3669%5,306
Noncurrent loans to loans0.5841%4,742
Net loans and leases to total assets53.6409%4,673
Net loans and leases to deposits63.7165%4,549
Net loans and leases to core deposits72.1018%4,077
Total domestic deposits to total assets84.1868%4,117
Equity capital to assets8.7615%5,455
Core capital (leverage) ratio8.6681%5,578
Tier 1 risk-based capital ratio14.6678%3,970
Total risk-based capital ratio15.5616%4,153
Memoranda:
Average total assets$145,183,7503,823
Average earning assets$136,605,0003,752
Average equity$12,433,0004,409
Average total loans$76,129,5004,083
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8363%4,709
Cost of funding earning assets0.6290%2,690
Net interest margin3.2074%4,924
Noninterest income to average assets0.6025%3,176
Noninterest expense to average assets2.2688%5,451
Loan and lease loss provision to assets0.0342%4,259
Net operating income to assets1.3158%1,284
Return on assets (ROA)1.3158%1,366
Pretax return on assets1.3158%2,247
Return on Equity (ROE)15.4817%739
Retained earnings to average equity (ytd only)1.5949%5,231
Net charge-offs to loans-0.0766%6,417
Credit loss provision to net charge-offs-86.2069%5,600
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6939%5,066
Assets per employee ($millions)4.6722%2,555
Cash dividends to net income (ytd only)*89.6982%681
Condition Ratios (%)
Loss allowance to loans0.9635%5,951
Loan loss allowance to noncurrent loans402.6738%1,056
Noncurrent assets plus other real estate owned to assets0.1788%5,963
Noncurrent loans to loans0.2393%5,706
Net loans and leases to total assets53.4383%4,663
Net loans and leases to deposits64.8858%4,388
Net loans and leases to core deposits75.8226%3,564
Total domestic deposits to total assets82.3575%4,925
Equity capital to assets8.6124%5,657
Core capital (leverage) ratio8.6940%5,433
Tier 1 risk-based capital ratio14.2620%4,253
Total risk-based capital ratio15.1230%4,481
Memoranda:
Average total assets$146,067,3303,838
Average earning assets$137,371,6703,769
Average equity$12,414,6704,439
Average total loans$75,767,0004,112
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7595%4,961
Cost of funding earning assets0.6392%2,750
Net interest margin3.1203%5,192
Noninterest income to average assets0.6245%3,010
Noninterest expense to average assets2.2934%5,444
Loan and lease loss provision to assets0.0218%4,193
Net operating income to assets1.2381%1,417
Return on assets (ROA)1.2381%1,524
Pretax return on assets1.2381%2,442
Return on Equity (ROE)14.6629%830
Retained earnings to average equity (ytd only)0.6459%5,571
Net charge-offs to loans0.0322%3,580
Credit loss provision to net charge-offs133.3333%1,484
Earnings coverage of net charge-offs (x)77.0000%483
Efficiency ratio64.5434%4,913
Assets per employee ($millions)4.5200%2,932
Cash dividends to net income (ytd only)*95.5947%690
Condition Ratios (%)
Loss allowance to loans0.9299%6,185
Loan loss allowance to noncurrent loans1,794.8718%290
Noncurrent assets plus other real estate owned to assets0.0968%6,304
Noncurrent loans to loans0.0518%6,320
Net loans and leases to total assets51.5587%4,762
Net loans and leases to deposits62.0879%4,534
Net loans and leases to core deposits72.4613%3,765
Total domestic deposits to total assets83.0415%4,841
Equity capital to assets8.5695%5,943
Core capital (leverage) ratio8.5493%5,509
Tier 1 risk-based capital ratio14.4656%4,202
Total risk-based capital ratio15.2825%4,443
Memoranda:
Average total assets$146,682,0003,866
Average earning assets$137,677,5003,799
Average equity$12,385,0004,496
Average total loans$74,574,5004,182
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8015%5,817
Cost of funding earning assets0.7399%3,161
Net interest margin3.0616%5,903
Noninterest income to average assets0.6323%3,094
Noninterest expense to average assets2.1809%5,960
Loan and lease loss provision to assets0.0055%5,858
Net operating income to assets1.2885%1,337
Return on assets (ROA)1.2885%1,488
Pretax return on assets1.2885%2,457
Return on Equity (ROE)16.0396%654
Retained earnings to average equity (ytd only)10.1831%562
Net charge-offs to loans0.1000%4,666
Credit loss provision to net charge-offs11.2676%5,384
Earnings coverage of net charge-offs (x)26.6901%1,090
Efficiency ratio62.7628%5,123
Assets per employee ($millions)4.6476%2,707
Cash dividends to net income (ytd only)*36.5130%3,055
Condition Ratios (%)
Loss allowance to loans0.9449%6,145
Loan loss allowance to noncurrent loans307.4890%1,261
Noncurrent assets plus other real estate owned to assets0.2205%6,007
Noncurrent loans to loans0.3073%5,712
Net loans and leases to total assets49.2029%5,282
Net loans and leases to deposits59.1025%5,120
Net loans and leases to core deposits69.3434%4,392
Total domestic deposits to total assets83.2501%4,624
Equity capital to assets8.3208%6,182
Core capital (leverage) ratio8.4374%5,708
Tier 1 risk-based capital ratio14.6497%3,933
Total risk-based capital ratio15.4760%4,178
Memoranda:
Average total assets$146,453,4003,836
Average earning assets$135,972,8003,792
Average equity$11,764,6004,619
Average total loans$71,022,0004,325
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8158%5,989
Cost of funding earning assets0.7626%3,250
Net interest margin3.0532%6,058
Noninterest income to average assets0.6087%3,219
Noninterest expense to average assets2.1843%5,985
Loan and lease loss provision to assets0.0064%5,729
Net operating income to assets1.2503%1,578
Return on assets (ROA)1.2503%1,741
Pretax return on assets1.2503%2,788
Return on Equity (ROE)15.7075%782
Retained earnings to average equity (ytd only)10.6554%750
Net charge-offs to loans0.0266%5,293
Credit loss provision to net charge-offs50.0000%4,399
Earnings coverage of net charge-offs (x)98.1944%432
Efficiency ratio63.4794%4,894
Assets per employee ($millions)4.7399%2,545
Cash dividends to net income (ytd only)*32.1637%2,525
Condition Ratios (%)
Loss allowance to loans1.0606%5,853
Loan loss allowance to noncurrent loans785.4167%530
Noncurrent assets plus other real estate owned to assets0.1341%6,378
Noncurrent loans to loans0.1350%6,259
Net loans and leases to total assets47.8709%5,559
Net loans and leases to deposits57.5628%5,471
Net loans and leases to core deposits66.8123%4,864
Total domestic deposits to total assets83.1629%4,574
Equity capital to assets8.2382%6,464
Core capital (leverage) ratio8.1966%6,148
Tier 1 risk-based capital ratio15.1833%3,717
Total risk-based capital ratio16.1290%3,892
Memoranda:
Average total assets$145,886,0003,881
Average earning assets$135,329,0003,845
Average equity$11,612,0004,692
Average total loans$70,309,0004,390
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8377%6,056
Cost of funding earning assets0.7865%3,308
Net interest margin3.0511%6,122
Noninterest income to average assets0.5909%3,312
Noninterest expense to average assets2.1974%6,017
Loan and lease loss provision to assets0.0069%5,570
Net operating income to assets1.2121%1,676
Return on assets (ROA)1.2121%1,869
Pretax return on assets1.2121%2,870
Return on Equity (ROE)15.4092%867
Retained earnings to average equity (ytd only)7.7221%1,756
Net charge-offs to loans0.0314%4,939
Credit loss provision to net charge-offs45.4545%4,137
Earnings coverage of net charge-offs (x)80.6364%503
Efficiency ratio64.3202%4,832
Assets per employee ($millions)4.8283%2,387
Cash dividends to net income (ytd only)*49.8866%1,744
Condition Ratios (%)
Loss allowance to loans1.0672%5,903
Loan loss allowance to noncurrent loans1,110.2941%373
Noncurrent assets plus other real estate owned to assets0.1129%6,511
Noncurrent loans to loans0.0961%6,423
Net loans and leases to total assets46.7597%5,749
Net loans and leases to deposits55.4316%5,713
Net loans and leases to core deposits65.2061%5,088
Total domestic deposits to total assets84.3558%4,163
Equity capital to assets7.7620%6,689
Core capital (leverage) ratio7.9991%6,279
Tier 1 risk-based capital ratio14.4727%4,121
Total risk-based capital ratio15.4133%4,296
Memoranda:
Average total assets$145,535,6703,911
Average earning assets$134,769,6703,872
Average equity$11,447,6704,726
Average total loans$70,047,3304,417
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9235%5,963
Cost of funding earning assets0.8310%3,216
Net interest margin3.0925%6,070
Noninterest income to average assets0.5465%3,589
Noninterest expense to average assets2.2472%5,907
Loan and lease loss provision to assets0.0084%5,180
Net operating income to assets1.1236%1,972
Return on assets (ROA)1.1236%2,158
Pretax return on assets1.1236%3,225
Return on Equity (ROE)14.1870%1,152
Retained earnings to average equity (ytd only)13.0957%672
Net charge-offs to loans0.0918%3,603
Credit loss provision to net charge-offs18.7500%3,794
Earnings coverage of net charge-offs (x)25.3750%1,031
Efficiency ratio66.5017%4,465
Assets per employee ($millions)4.7084%2,649
Cash dividends to net income (ytd only)*7.6923%2,609
Condition Ratios (%)
Loss allowance to loans1.0491%6,080
Loan loss allowance to noncurrent loans2,200.0000%206
Noncurrent assets plus other real estate owned to assets0.1891%6,406
Noncurrent loans to loans0.0477%6,632
Net loans and leases to total assets48.3341%5,509
Net loans and leases to deposits57.3714%5,454
Net loans and leases to core deposits68.6742%4,602
Total domestic deposits to total assets84.2478%4,378
Equity capital to assets7.9117%6,579
Core capital (leverage) ratio7.8977%6,335
Tier 1 risk-based capital ratio14.4968%4,111
Total risk-based capital ratio15.4358%4,304
Memoranda:
Average total assets$143,464,5003,984
Average earning assets$131,414,5003,956
Average equity$11,362,5004,754
Average total loans$69,699,0004,458
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3756%5,518
Cost of funding earning assets1.0030%3,356
Net interest margin3.3726%5,568
Noninterest income to average assets0.6321%2,995
Noninterest expense to average assets2.4878%5,512
Loan and lease loss provision to assets0.0763%5,657
Net operating income to assets1.1252%1,738
Return on assets (ROA)1.1252%1,858
Pretax return on assets1.1252%2,744
Return on Equity (ROE)13.7349%1,006
Retained earnings to average equity (ytd only)-0.0932%5,862
Net charge-offs to loans0.0159%6,214
Credit loss provision to net charge-offs909.0909%249
Earnings coverage of net charge-offs (x)143.0909%234
Efficiency ratio67.4322%4,482
Assets per employee ($millions)4.5474%2,831
Cash dividends to net income (ytd only)*100.6784%312
Condition Ratios (%)
Loss allowance to loans1.1175%5,754
Loan loss allowance to noncurrent loans5,853.8462%109
Noncurrent assets plus other real estate owned to assets0.1809%6,498
Noncurrent loans to loans0.0191%6,782
Net loans and leases to total assets47.7697%5,848
Net loans and leases to deposits56.4313%5,847
Net loans and leases to core deposits67.7213%5,063
Total domestic deposits to total assets84.6511%4,018
Equity capital to assets7.9287%6,618
Core capital (leverage) ratio8.2070%5,985
Tier 1 risk-based capital ratio14.6254%3,882
Total risk-based capital ratio15.6212%4,033
Memoranda:
Average total assets$130,997,2004,147
Average earning assets$118,749,6004,165
Average equity$10,731,8004,849
Average total loans$69,072,8004,531
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4628%5,375
Cost of funding earning assets1.0400%3,389
Net interest margin3.4228%5,500
Noninterest income to average assets0.6422%2,930
Noninterest expense to average assets2.5420%5,310
Loan and lease loss provision to assets0.1006%5,191
Net operating income to assets1.1206%1,904
Return on assets (ROA)1.1206%2,038
Pretax return on assets1.1206%2,924
Return on Equity (ROE)13.5583%1,147
Retained earnings to average equity (ytd only)2.8121%4,674
Net charge-offs to loans0.0231%5,827
Credit loss provision to net charge-offs808.3333%330
Earnings coverage of net charge-offs (x)98.0806%370
Efficiency ratio67.5489%4,409
Assets per employee ($millions)4.5070%2,903
Cash dividends to net income (ytd only)*79.2591%629
Condition Ratios (%)
Loss allowance to loans1.1169%5,823
Loan loss allowance to noncurrent loans996.0526%364
Noncurrent assets plus other real estate owned to assets0.2352%6,472
Noncurrent loans to loans0.1121%6,651
Net loans and leases to total assets49.5666%5,764
Net loans and leases to deposits58.5933%5,789
Net loans and leases to core deposits71.1100%4,829
Total domestic deposits to total assets84.5943%3,965
Equity capital to assets7.9950%6,695
Core capital (leverage) ratio8.1818%6,156
Tier 1 risk-based capital ratio14.4681%3,998
Total risk-based capital ratio15.4813%4,139
Memoranda:
Average total assets$128,504,5004,226
Average earning assets$117,172,0004,218
Average equity$10,620,5004,889
Average total loans$69,315,7504,557
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5568%5,150
Cost of funding earning assets1.0812%3,382
Net interest margin3.4757%5,272
Noninterest income to average assets0.6526%2,816
Noninterest expense to average assets2.5850%5,242
Loan and lease loss provision to assets0.1014%5,046
Net operating income to assets1.1436%1,746
Return on assets (ROA)1.1436%1,820
Pretax return on assets1.1436%2,688
Return on Equity (ROE)13.6777%1,053
Retained earnings to average equity (ytd only)-1.0230%6,056
Net charge-offs to loans0.0200%5,560
Credit loss provision to net charge-offs914.2857%353
Earnings coverage of net charge-offs (x)112.2857%321
Efficiency ratio67.4938%4,607
Assets per employee ($millions)4.5334%2,776
Cash dividends to net income (ytd only)*107.4792%385
Condition Ratios (%)
Loss allowance to loans1.0722%6,058
Loan loss allowance to noncurrent loans1,137.5000%338
Noncurrent assets plus other real estate owned to assets0.2335%6,544
Noncurrent loans to loans0.0943%6,742
Net loans and leases to total assets51.0892%5,685
Net loans and leases to deposits60.5774%5,662
Net loans and leases to core deposits72.9363%4,715
Total domestic deposits to total assets84.3371%4,200
Equity capital to assets8.0117%6,675
Core capital (leverage) ratio8.4613%5,612
Tier 1 risk-based capital ratio14.2776%3,956
Total risk-based capital ratio15.2644%4,139
Memoranda:
Average total assets$126,269,3304,297
Average earning assets$115,430,6704,294
Average equity$10,557,3304,910
Average total loans$69,829,0004,582
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6663%4,661
Cost of funding earning assets1.1639%3,062
Net interest margin3.5023%5,004
Noninterest income to average assets0.6534%2,822
Noninterest expense to average assets2.6070%5,198
Loan and lease loss provision to assets0.1035%4,717
Net operating income to assets1.1838%1,563
Return on assets (ROA)1.1838%1,611
Pretax return on assets1.1838%2,436
Return on Equity (ROE)13.8512%1,019
Retained earnings to average equity (ytd only)-1.2867%6,043
Net charge-offs to loans0.0226%4,767
Credit loss provision to net charge-offs800.0000%474
Earnings coverage of net charge-offs (x)99.5000%319
Efficiency ratio66.9435%4,861
Assets per employee ($millions)4.2426%3,362
Cash dividends to net income (ytd only)*109.2896%532
Condition Ratios (%)
Loss allowance to loans0.9921%6,426
Loan loss allowance to noncurrent loans7,777.7778%73
Noncurrent assets plus other real estate owned to assets0.2048%6,648
Noncurrent loans to loans0.0128%7,039
Net loans and leases to total assets56.7773%4,853
Net loans and leases to deposits68.6768%4,582
Net loans and leases to core deposits84.5223%3,099
Total domestic deposits to total assets82.6732%5,034
Equity capital to assets8.5764%5,803
Core capital (leverage) ratio8.5240%5,407
Tier 1 risk-based capital ratio14.2099%3,932
Total risk-based capital ratio15.1526%4,116
Memoranda:
Average total assets$123,669,0004,380
Average earning assets$114,438,5004,341
Average equity$10,569,5004,901
Average total loans$70,796,0004,592
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7666%5,552
Cost of funding earning assets1.3448%3,612
Net interest margin3.4219%5,538
Noninterest income to average assets0.6869%2,922
Noninterest expense to average assets2.5753%5,523
Loan and lease loss provision to assets0.1045%6,098
Net operating income to assets1.2284%1,347
Return on assets (ROA)1.2284%1,421
Pretax return on assets1.2284%2,146
Return on Equity (ROE)14.2511%846
Retained earnings to average equity (ytd only)0.5401%5,307
Net charge-offs to loans0.0589%6,203
Credit loss provision to net charge-offs320.0000%811
Earnings coverage of net charge-offs (x)40.8000%575
Efficiency ratio65.8934%4,989
Assets per employee ($millions)4.2863%3,239
Cash dividends to net income (ytd only)*96.2101%453
Condition Ratios (%)
Loss allowance to loans0.9460%6,589
Loan loss allowance to noncurrent loans988.2353%373
Noncurrent assets plus other real estate owned to assets0.4272%6,206
Noncurrent loans to loans0.0957%6,894
Net loans and leases to total assets56.6068%5,241
Net loans and leases to deposits69.3617%4,899
Net loans and leases to core deposits75.2951%4,816
Total domestic deposits to total assets81.6111%5,320
Equity capital to assets8.5171%5,831
Core capital (leverage) ratio8.4755%5,409
Tier 1 risk-based capital ratio14.1134%3,795
Total risk-based capital ratio15.0092%3,995
Memoranda:
Average total assets$122,433,6004,435
Average earning assets$115,259,2004,337
Average equity$10,553,6004,973
Average total loans$67,915,0004,753
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7137%5,968
Cost of funding earning assets1.3775%3,726
Net interest margin3.3362%5,900
Noninterest income to average assets0.6996%2,814
Noninterest expense to average assets2.5394%5,562
Loan and lease loss provision to assets0.1060%5,977
Net operating income to assets1.2047%1,580
Return on assets (ROA)1.2047%1,664
Pretax return on assets1.2047%2,468
Return on Equity (ROE)13.9333%1,049
Retained earnings to average equity (ytd only)0.3288%5,656
Net charge-offs to loans0.0258%6,311
Credit loss provision to net charge-offs746.1538%399
Earnings coverage of net charge-offs (x)92.2464%336
Efficiency ratio65.9568%4,868
Assets per employee ($millions)4.2928%3,277
Cash dividends to net income (ytd only)*97.6404%373
Condition Ratios (%)
Loss allowance to loans0.9785%6,485
Loan loss allowance to noncurrent loans271.5447%1,082
Noncurrent assets plus other real estate owned to assets0.3920%6,439
Noncurrent loans to loans0.3603%6,472
Net loans and leases to total assets54.3023%5,801
Net loans and leases to deposits66.6811%5,582
Net loans and leases to core deposits82.0263%4,245
Total domestic deposits to total assets81.4358%5,226
Equity capital to assets8.4785%6,303
Core capital (leverage) ratio8.6339%5,291
Tier 1 risk-based capital ratio14.4210%3,557
Total risk-based capital ratio15.3336%3,745
Memoranda:
Average total assets$121,966,2504,506
Average earning assets$115,179,7504,400
Average equity$10,545,2505,040
Average total loans$67,134,7504,853
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7050%6,127
Cost of funding earning assets1.4061%3,838
Net interest margin3.2989%6,022
Noninterest income to average assets0.7001%2,703
Noninterest expense to average assets2.5115%5,680
Loan and lease loss provision to assets0.1106%5,797
Net operating income to assets1.2004%1,561
Return on assets (ROA)1.2004%1,631
Pretax return on assets1.2004%2,414
Return on Equity (ROE)13.7924%1,078
Retained earnings to average equity (ytd only)1.9541%4,888
Net charge-offs to loans0.0060%6,285
Credit loss provision to net charge-offs3,350.0000%121
Earnings coverage of net charge-offs (x)397.0000%87
Efficiency ratio65.7019%5,037
Assets per employee ($millions)4.1899%3,403
Cash dividends to net income (ytd only)*85.8322%642
Condition Ratios (%)
Loss allowance to loans0.9611%6,564
Loan loss allowance to noncurrent loans226.9231%1,237
Noncurrent assets plus other real estate owned to assets0.4345%6,368
Noncurrent loans to loans0.4236%6,394
Net loans and leases to total assets55.0380%5,840
Net loans and leases to deposits68.0863%5,551
Net loans and leases to core deposits84.3604%4,092
Total domestic deposits to total assets80.8357%5,459
Equity capital to assets8.7501%5,814
Core capital (leverage) ratio8.8685%4,806
Tier 1 risk-based capital ratio14.7716%3,272
Total risk-based capital ratio15.6733%3,452
Memoranda:
Average total assets$121,124,3304,544
Average earning assets$114,643,0004,442
Average equity$10,542,0005,051
Average total loans$66,756,3304,911
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6526%6,402
Cost of funding earning assets1.4633%3,786
Net interest margin3.1892%6,322
Noninterest income to average assets0.6119%3,194
Noninterest expense to average assets2.5832%5,424
Loan and lease loss provision to assets0.1158%5,447
Net operating income to assets0.9261%2,449
Return on assets (ROA)0.9261%2,511
Pretax return on assets0.9261%3,363
Return on Equity (ROE)10.6697%1,882
Retained earnings to average equity (ytd only)-2.4388%6,280
Net charge-offs to loans-0.0362%7,251
Credit loss provision to net charge-offs-583.3333%6,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2591%4,075
Assets per employee ($millions)3.8748%4,154
Cash dividends to net income (ytd only)*122.8571%419
Condition Ratios (%)
Loss allowance to loans0.9317%6,736
Loan loss allowance to noncurrent loans256.1475%1,153
Noncurrent assets plus other real estate owned to assets0.4046%6,461
Noncurrent loans to loans0.3637%6,573
Net loans and leases to total assets55.3247%5,841
Net loans and leases to deposits68.4218%5,540
Net loans and leases to core deposits85.9704%3,901
Total domestic deposits to total assets80.8583%5,507
Equity capital to assets8.7121%5,712
Core capital (leverage) ratio8.6655%5,083
Tier 1 risk-based capital ratio14.6947%3,261
Total risk-based capital ratio15.5723%3,446
Memoranda:
Average total assets$120,933,0004,606
Average earning assets$114,259,0004,509
Average equity$10,497,0005,101
Average total loans$66,372,5004,990
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9898%6,466
Cost of funding earning assets1.5334%5,364
Net interest margin3.4564%5,143
Noninterest income to average assets0.7001%2,981
Noninterest expense to average assets2.4429%6,328
Loan and lease loss provision to assets0.3509%4,701
Net operating income to assets1.1726%1,320
Return on assets (ROA)1.1776%1,350
Pretax return on assets1.1776%2,013
Return on Equity (ROE)13.5089%868
Retained earnings to average equity (ytd only)-0.7120%5,178
Net charge-offs to loans0.3612%4,422
Credit loss provision to net charge-offs186.7841%2,168
Earnings coverage of net charge-offs (x)8.1101%2,001
Efficiency ratio61.5898%6,225
Assets per employee ($millions)3.9273%3,961
Cash dividends to net income (ytd only)*105.2706%552
Condition Ratios (%)
Loss allowance to loans0.8894%6,865
Loan loss allowance to noncurrent loans133.0296%2,137
Noncurrent assets plus other real estate owned to assets0.4444%6,346
Noncurrent loans to loans0.6686%5,899
Net loans and leases to total assets53.4556%6,253
Net loans and leases to deposits66.3587%6,012
Net loans and leases to core deposits82.6623%5,853
Total domestic deposits to total assets80.5554%5,488
Equity capital to assets8.6483%5,666
Core capital (leverage) ratio8.6383%5,036
Tier 1 risk-based capital ratio14.9375%2,974
Total risk-based capital ratio15.7660%3,153
Memoranda:
Average total assets$120,841,2004,540
Average earning assets$114,193,2004,445
Average equity$10,533,8005,149
Average total loans$62,839,0005,139
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0117%6,569
Cost of funding earning assets1.5598%5,590
Net interest margin3.4519%5,068
Noninterest income to average assets0.6898%3,092
Noninterest expense to average assets2.4275%6,325
Loan and lease loss provision to assets0.4223%3,794
Net operating income to assets1.1010%1,729
Return on assets (ROA)1.1010%1,784
Pretax return on assets1.1010%2,565
Return on Equity (ROE)12.6053%1,202
Retained earnings to average equity (ytd only)-1.3415%5,570
Net charge-offs to loans0.3970%3,676
Credit loss provision to net charge-offs206.4865%2,145
Earnings coverage of net charge-offs (x)7.4487%2,404
Efficiency ratio61.4438%6,206
Assets per employee ($millions)4.3867%3,061
Cash dividends to net income (ytd only)*110.6426%466
Condition Ratios (%)
Loss allowance to loans0.9053%6,737
Loan loss allowance to noncurrent loans369.6203%842
Noncurrent assets plus other real estate owned to assets0.2117%6,991
Noncurrent loans to loans0.2449%6,892
Net loans and leases to total assets52.0443%6,593
Net loans and leases to deposits64.4867%6,454
Net loans and leases to core deposits79.1817%6,406
Total domestic deposits to total assets80.7055%5,189
Equity capital to assets8.5477%6,187
Core capital (leverage) ratio8.8102%4,957
Tier 1 risk-based capital ratio15.1838%2,961
Total risk-based capital ratio16.0284%3,095
Memoranda:
Average total assets$120,615,0004,578
Average earning assets$113,944,7504,482
Average equity$10,535,0005,184
Average total loans$62,132,7505,206
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0828%6,499
Cost of funding earning assets1.5989%5,748
Net interest margin3.4839%4,870
Noninterest income to average assets0.6807%3,112
Noninterest expense to average assets2.4091%6,429
Loan and lease loss provision to assets0.4254%3,417
Net operating income to assets1.1362%1,647
Return on assets (ROA)1.1362%1,727
Pretax return on assets1.1362%2,514
Return on Equity (ROE)12.9136%1,197
Retained earnings to average equity (ytd only)-1.0430%5,497
Net charge-offs to loans0.4467%3,031
Credit loss provision to net charge-offs186.1314%2,461
Earnings coverage of net charge-offs (x)6.8321%2,539
Efficiency ratio60.6723%6,449
Assets per employee ($millions)4.2455%3,211
Cash dividends to net income (ytd only)*108.0764%624
Condition Ratios (%)
Loss allowance to loans0.8083%7,126
Loan loss allowance to noncurrent loans721.4286%474
Noncurrent assets plus other real estate owned to assets0.1447%7,204
Noncurrent loans to loans0.1120%7,242
Net loans and leases to total assets52.1317%6,669
Net loans and leases to deposits65.1045%6,469
Net loans and leases to core deposits79.3422%6,457
Total domestic deposits to total assets80.0739%5,446
Equity capital to assets8.8741%5,487
Core capital (leverage) ratio8.9880%4,649
Tier 1 risk-based capital ratio15.7180%2,721
Total risk-based capital ratio16.4705%2,861
Memoranda:
Average total assets$119,877,3304,638
Average earning assets$113,206,3304,534
Average equity$10,547,0005,201
Average total loans$61,340,6705,276
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9035%7,167
Cost of funding earning assets1.6778%5,706
Net interest margin3.2257%5,776
Noninterest income to average assets0.6347%3,315
Noninterest expense to average assets2.1399%7,035
Loan and lease loss provision to assets0.5150%2,407
Net operating income to assets1.0334%2,181
Return on assets (ROA)1.0334%2,319
Pretax return on assets1.0334%3,233
Return on Equity (ROE)11.7959%1,729
Retained earnings to average equity (ytd only)-4.3998%6,473
Net charge-offs to loans0.8622%1,513
Credit loss provision to net charge-offs118.3206%3,312
Earnings coverage of net charge-offs (x)3.5573%3,141
Efficiency ratio58.0180%6,700
Assets per employee ($millions)4.1705%3,318
Cash dividends to net income (ytd only)*137.2990%505
Condition Ratios (%)
Loss allowance to loans0.6745%7,515
Loan loss allowance to noncurrent loans978.5714%408
Noncurrent assets plus other real estate owned to assets0.1225%7,218
Noncurrent loans to loans0.0689%7,329
Net loans and leases to total assets51.8266%6,705
Net loans and leases to deposits67.4897%6,227
Net loans and leases to core deposits83.3781%6,104
Total domestic deposits to total assets76.7919%6,337
Equity capital to assets8.9815%5,381
Core capital (leverage) ratio8.9154%4,842
Tier 1 risk-based capital ratio16.0360%2,681
Total risk-based capital ratio16.6644%2,820
Memoranda:
Average total assets$120,379,0004,642
Average earning assets$113,960,0004,533
Average equity$10,546,0005,227
Average total loans$60,773,0005,331
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7461%6,614
Cost of funding earning assets2.1394%5,879
Net interest margin3.6067%4,858
Noninterest income to average assets0.6934%3,158
Noninterest expense to average assets2.2890%6,737
Loan and lease loss provision to assets0.0347%6,972
Net operating income to assets1.7655%589
Return on assets (ROA)1.7655%565
Pretax return on assets1.7655%1,009
Return on Equity (ROE)22.5063%235
Retained earnings to average equity (ytd only)9.6566%502
Net charge-offs to loans0.0599%5,925
Credit loss provision to net charge-offs117.6471%4,575
Earnings coverage of net charge-offs (x)61.0882%656
Efficiency ratio55.9771%7,016
Assets per employee ($millions)4.4280%2,731
Cash dividends to net income (ytd only)*57.0938%2,796
Condition Ratios (%)
Loss allowance to loans0.6385%7,584
Loan loss allowance to noncurrent loans154.8000%2,398
Noncurrent assets plus other real estate owned to assets0.2662%6,513
Noncurrent loans to loans0.4124%6,107
Net loans and leases to total assets48.5772%7,142
Net loans and leases to deposits60.8573%7,024
Net loans and leases to core deposits72.4635%7,048
Total domestic deposits to total assets79.8216%5,091
Equity capital to assets8.5527%6,010
Core capital (leverage) ratio8.4495%5,656
Tier 1 risk-based capital ratio15.8384%2,729
Total risk-based capital ratio16.4165%2,892
Memoranda:
Average total assets$115,376,6004,625
Average earning assets$108,630,6004,543
Average equity$9,050,8005,728
Average total loans$56,769,6005,418