Home > First State Bank of Bedias > Performance and Condition Ratios

First State Bank of Bedias, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6485%2,257
Cost of funding earning assets0.3368%2,056
Net interest margin3.3117%2,282
Noninterest income to average assets0.3546%3,314
Noninterest expense to average assets1.9145%3,893
Loan and lease loss provision to assets0.0367%2,307
Net operating income to assets1.3755%1,357
Return on assets (ROA)1.3975%1,340
Pretax return on assets1.3975%2,062
Return on Equity (ROE)8.9907%2,914
Retained earnings to average equity (ytd only)4.5054%3,004
Net charge-offs to loans0.1295%706
Credit loss provision to net charge-offs54.2636%2,110
Earnings coverage of net charge-offs (x)20.8992%1,839
Efficiency ratio57.5500%3,512
Assets per employee ($millions)10.0803%646
Cash dividends to net income (ytd only)*49.8876%1,521
Condition Ratios (%)
Loss allowance to loans1.4461%1,743
Loan loss allowance to noncurrent loans178.0976%2,761
Noncurrent assets plus other real estate owned to assets0.3963%1,640
Noncurrent loans to loans0.8120%1,255
Net loans and leases to total assets48.1025%3,490
Net loans and leases to deposits56.6795%3,363
Net loans and leases to core deposits60.4320%3,288
Total domestic deposits to total assets84.8674%3,312
Equity capital to assets14.8201%517
Core capital (leverage) ratio14.6813%506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$190,907,6003,127
Average earning assets$171,329,4003,172
Average equity$29,675,2002,557
Average total loans$99,650,2003,202
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7478%2,152
Cost of funding earning assets0.3559%2,053
Net interest margin3.3918%2,179
Noninterest income to average assets0.3542%3,332
Noninterest expense to average assets1.8877%3,975
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.4903%1,298
Return on assets (ROA)1.5201%1,271
Pretax return on assets1.5201%1,941
Return on Equity (ROE)9.6584%2,859
Retained earnings to average equity (ytd only)3.6680%3,691
Net charge-offs to loans0.0720%927
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)38.9630%1,386
Efficiency ratio55.8817%3,548
Assets per employee ($millions)9.8117%677
Cash dividends to net income (ytd only)*62.0224%796
Condition Ratios (%)
Loss allowance to loans1.4190%1,946
Loan loss allowance to noncurrent loans152.4013%2,880
Noncurrent assets plus other real estate owned to assets0.4775%1,591
Noncurrent loans to loans0.9311%1,232
Net loans and leases to total assets50.5539%3,343
Net loans and leases to deposits59.7636%3,252
Net loans and leases to core deposits63.7726%3,162
Total domestic deposits to total assets84.5898%3,267
Equity capital to assets15.0723%528
Core capital (leverage) ratio15.0163%491
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$188,233,2503,179
Average earning assets$167,811,2503,236
Average equity$29,624,5002,593
Average total loans$99,962,7503,238
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7777%2,128
Cost of funding earning assets0.3711%2,127
Net interest margin3.4066%2,122
Noninterest income to average assets0.3546%3,341
Noninterest expense to average assets1.8969%3,971
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.5251%1,230
Return on assets (ROA)1.5703%1,177
Pretax return on assets1.5703%1,817
Return on Equity (ROE)9.8312%2,812
Retained earnings to average equity (ytd only)3.0364%3,827
Net charge-offs to loans0.1043%724
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)27.2115%1,367
Efficiency ratio55.4331%3,613
Assets per employee ($millions)8.9024%889
Cash dividends to net income (ytd only)*69.1146%711
Condition Ratios (%)
Loss allowance to loans1.4205%1,884
Loan loss allowance to noncurrent loans146.6667%2,905
Noncurrent assets plus other real estate owned to assets0.5215%1,592
Noncurrent loans to loans0.9685%1,277
Net loans and leases to total assets53.0837%3,243
Net loans and leases to deposits63.3490%3,069
Net loans and leases to core deposits67.4905%2,998
Total domestic deposits to total assets83.7957%3,493
Equity capital to assets15.9026%422
Core capital (leverage) ratio15.6062%414
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$185,566,3333,205
Average earning assets$167,086,6673,251
Average equity$29,640,3332,586
Average total loans$99,739,6673,256
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7934%2,120
Cost of funding earning assets0.3936%2,149
Net interest margin3.3998%2,111
Noninterest income to average assets0.3505%3,342
Noninterest expense to average assets1.8326%4,146
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.5643%1,191
Return on assets (ROA)1.6552%1,062
Pretax return on assets1.6552%1,594
Return on Equity (ROE)10.3394%2,581
Retained earnings to average equity (ytd only)5.2846%3,130
Net charge-offs to loans-0.0081%3,581
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9490%3,786
Assets per employee ($millions)8.9013%864
Cash dividends to net income (ytd only)*48.8889%1,132
Condition Ratios (%)
Loss allowance to loans1.4506%1,775
Loan loss allowance to noncurrent loans132.7370%2,968
Noncurrent assets plus other real estate owned to assets0.5981%1,595
Noncurrent loans to loans1.0928%1,219
Net loans and leases to total assets53.9347%3,249
Net loans and leases to deposits64.3015%3,097
Net loans and leases to core deposits68.6142%3,008
Total domestic deposits to total assets83.8777%3,475
Equity capital to assets15.8671%400
Core capital (leverage) ratio15.9053%389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$184,874,5003,208
Average earning assets$165,655,5003,260
Average equity$29,595,5002,576
Average total loans$99,274,5003,271
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5857%1,121
Cost of funding earning assets0.6504%1,991
Net interest margin3.9353%1,126
Noninterest income to average assets0.3654%3,283
Noninterest expense to average assets2.0479%4,043
Loan and lease loss provision to assets0.0290%4,035
Net operating income to assets1.7945%393
Return on assets (ROA)1.7945%424
Pretax return on assets1.7945%692
Return on Equity (ROE)10.9154%1,661
Retained earnings to average equity (ytd only)5.6164%1,988
Net charge-offs to loans-0.0890%4,789
Credit loss provision to net charge-offs-58.1395%3,695
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.8989%4,319
Assets per employee ($millions)8.7058%827
Cash dividends to net income (ytd only)*48.5456%1,917
Condition Ratios (%)
Loss allowance to loans1.5398%1,460
Loan loss allowance to noncurrent loans124.3289%3,049
Noncurrent assets plus other real estate owned to assets0.6520%1,612
Noncurrent loans to loans1.2385%1,118
Net loans and leases to total assets51.8343%3,676
Net loans and leases to deposits62.0813%3,600
Net loans and leases to core deposits66.4829%3,503
Total domestic deposits to total assets83.4942%3,266
Equity capital to assets16.1530%411
Core capital (leverage) ratio15.8024%410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$172,418,2003,175
Average earning assets$153,608,4003,227
Average equity$28,345,4002,584
Average total loans$96,666,6003,284
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7943%887
Cost of funding earning assets0.7064%1,992
Net interest margin4.0878%918
Noninterest income to average assets0.3659%3,266
Noninterest expense to average assets2.0461%4,058
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.9589%325
Return on assets (ROA)1.9589%355
Pretax return on assets1.9589%557
Return on Equity (ROE)11.8599%1,412
Retained earnings to average equity (ytd only)4.7202%2,686
Net charge-offs to loans-0.1915%4,923
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0880%4,414
Assets per employee ($millions)8.4811%849
Cash dividends to net income (ytd only)*60.2004%1,133
Condition Ratios (%)
Loss allowance to loans1.5389%1,271
Loan loss allowance to noncurrent loans110.8209%3,140
Noncurrent assets plus other real estate owned to assets0.7524%1,545
Noncurrent loans to loans1.3887%1,044
Net loans and leases to total assets53.3461%3,857
Net loans and leases to deposits63.9822%3,793
Net loans and leases to core deposits68.2325%3,748
Total domestic deposits to total assets83.3765%3,032
Equity capital to assets16.2676%435
Core capital (leverage) ratio15.7137%444
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$169,817,5003,179
Average earning assets$151,177,0003,230
Average equity$28,049,0002,595
Average total loans$96,771,7503,292
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0361%778
Cost of funding earning assets0.7489%2,128
Net interest margin4.2872%773
Noninterest income to average assets0.3687%3,267
Noninterest expense to average assets2.0436%4,143
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets2.1562%237
Return on assets (ROA)2.1562%261
Pretax return on assets2.1562%390
Return on Equity (ROE)12.9844%1,100
Retained earnings to average equity (ytd only)4.8664%2,539
Net charge-offs to loans-0.3324%4,982
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6602%4,580
Assets per employee ($millions)8.4199%837
Cash dividends to net income (ytd only)*62.5208%1,164
Condition Ratios (%)
Loss allowance to loans1.5210%1,205
Loan loss allowance to noncurrent loans226.6165%1,951
Noncurrent assets plus other real estate owned to assets0.3761%2,795
Noncurrent loans to loans0.6712%2,188
Net loans and leases to total assets55.1810%3,760
Net loans and leases to deposits66.1370%3,709
Net loans and leases to core deposits70.0436%3,703
Total domestic deposits to total assets83.4344%2,948
Equity capital to assets16.2099%446
Core capital (leverage) ratio16.1452%421
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$167,055,6673,180
Average earning assets$149,282,0003,229
Average equity$27,741,0002,600
Average total loans$96,863,6673,286
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3554%489
Cost of funding earning assets0.8026%2,380
Net interest margin4.5528%446
Noninterest income to average assets0.3946%3,141
Noninterest expense to average assets2.0324%4,341
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.4196%125
Return on assets (ROA)2.4196%134
Pretax return on assets2.4196%191
Return on Equity (ROE)14.3839%632
Retained earnings to average equity (ytd only)7.8738%1,267
Net charge-offs to loans-0.8062%5,046
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.6510%4,842
Assets per employee ($millions)7.8112%797
Cash dividends to net income (ytd only)*45.2599%1,754
Condition Ratios (%)
Loss allowance to loans1.6333%990
Loan loss allowance to noncurrent loans299.4163%1,514
Noncurrent assets plus other real estate owned to assets0.3133%3,184
Noncurrent loans to loans0.5455%2,632
Net loans and leases to total assets56.5028%3,796
Net loans and leases to deposits68.1342%3,723
Net loans and leases to core deposits72.2138%3,751
Total domestic deposits to total assets82.9287%3,134
Equity capital to assets16.7646%472
Core capital (leverage) ratio17.0902%403
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$162,174,5003,192
Average earning assets$144,527,0003,242
Average equity$27,280,5002,624
Average total loans$95,757,0003,285
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0130%1,443
Cost of funding earning assets0.7564%2,883
Net interest margin4.2566%1,189
Noninterest income to average assets0.4252%3,139
Noninterest expense to average assets2.0447%4,458
Loan and lease loss provision to assets0.0723%2,552
Net operating income to assets2.0811%286
Return on assets (ROA)2.0811%296
Pretax return on assets2.0811%500
Return on Equity (ROE)12.9200%1,188
Retained earnings to average equity (ytd only)7.4225%1,196
Net charge-offs to loans0.0944%1,785
Credit loss provision to net charge-offs129.2135%1,978
Earnings coverage of net charge-offs (x)38.4719%1,352
Efficiency ratio48.7041%4,798
Assets per employee ($millions)8.0157%711
Cash dividends to net income (ytd only)*42.5506%2,461
Condition Ratios (%)
Loss allowance to loans1.3835%1,580
Loan loss allowance to noncurrent loans203.6309%2,061
Noncurrent assets plus other real estate owned to assets0.4123%2,744
Noncurrent loans to loans0.6794%2,185
Net loans and leases to total assets59.8479%3,597
Net loans and leases to deposits72.3549%3,491
Net loans and leases to core deposits75.6847%3,597
Total domestic deposits to total assets82.7144%3,298
Equity capital to assets16.8801%483
Core capital (leverage) ratio16.9590%417
Tier 1 risk-based capital ratio26.8911%621
Total risk-based capital ratio28.1423%609
Memoranda:
Average total assets$159,000,0003,210
Average earning assets$140,933,8003,264
Average equity$25,611,4002,670
Average total loans$94,327,4003,312
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9976%1,552
Cost of funding earning assets0.7339%3,047
Net interest margin4.2637%1,238
Noninterest income to average assets0.4260%3,169
Noninterest expense to average assets2.0125%4,527
Loan and lease loss provision to assets0.0546%2,823
Net operating income to assets2.1327%305
Return on assets (ROA)2.1327%319
Pretax return on assets2.1327%511
Return on Equity (ROE)13.4022%1,139
Retained earnings to average equity (ytd only)5.9671%2,386
Net charge-offs to loans0.0499%2,121
Credit loss provision to net charge-offs185.7143%1,398
Earnings coverage of net charge-offs (x)74.3643%906
Efficiency ratio47.9192%4,858
Assets per employee ($millions)8.0280%684
Cash dividends to net income (ytd only)*55.4768%1,447
Condition Ratios (%)
Loss allowance to loans1.4091%1,540
Loan loss allowance to noncurrent loans100.1484%3,324
Noncurrent assets plus other real estate owned to assets0.8396%1,639
Noncurrent loans to loans1.4071%1,085
Net loans and leases to total assets58.8272%3,794
Net loans and leases to deposits70.6634%3,718
Net loans and leases to core deposits73.7407%3,845
Total domestic deposits to total assets83.2499%3,080
Equity capital to assets16.3739%577
Core capital (leverage) ratio16.5496%495
Tier 1 risk-based capital ratio26.4161%681
Total risk-based capital ratio27.6672%666
Memoranda:
Average total assets$158,671,7503,243
Average earning assets$140,436,2503,302
Average equity$25,249,0002,713
Average total loans$93,586,7503,366
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9598%1,587
Cost of funding earning assets0.6963%3,187
Net interest margin4.2635%1,210
Noninterest income to average assets0.4075%3,230
Noninterest expense to average assets2.0147%4,579
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.1665%287
Return on assets (ROA)2.1665%300
Pretax return on assets2.1665%479
Return on Equity (ROE)13.7499%1,036
Retained earnings to average equity (ytd only)5.4132%2,566
Net charge-offs to loans0.0302%2,249
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)122.2857%598
Efficiency ratio48.1840%4,893
Assets per employee ($millions)7.5261%796
Cash dividends to net income (ytd only)*60.6308%1,393
Condition Ratios (%)
Loss allowance to loans1.3935%1,641
Loan loss allowance to noncurrent loans63.3366%3,953
Noncurrent assets plus other real estate owned to assets1.3047%974
Noncurrent loans to loans2.2001%614
Net loans and leases to total assets58.4743%3,866
Net loans and leases to deposits70.1023%3,832
Net loans and leases to core deposits73.3337%3,927
Total domestic deposits to total assets83.4127%3,070
Equity capital to assets16.2437%578
Core capital (leverage) ratio16.3832%496
Tier 1 risk-based capital ratio26.4274%662
Total risk-based capital ratio27.6785%649
Memoranda:
Average total assets$158,042,3303,264
Average earning assets$139,886,0003,333
Average equity$24,902,0002,733
Average total loans$92,848,0003,396
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9171%1,553
Cost of funding earning assets0.6587%3,271
Net interest margin4.2584%1,174
Noninterest income to average assets0.4328%2,957
Noninterest expense to average assets2.0071%4,626
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.1893%278
Return on assets (ROA)2.1893%288
Pretax return on assets2.1893%461
Return on Equity (ROE)14.1129%943
Retained earnings to average equity (ytd only)8.0436%1,641
Net charge-offs to loans0.0216%2,018
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)173.0000%443
Efficiency ratio47.8287%4,948
Assets per employee ($millions)7.4988%818
Cash dividends to net income (ytd only)*43.0058%1,835
Condition Ratios (%)
Loss allowance to loans1.4361%1,548
Loan loss allowance to noncurrent loans290.9292%1,611
Noncurrent assets plus other real estate owned to assets0.2870%3,456
Noncurrent loans to loans0.4936%2,834
Net loans and leases to total assets57.3130%3,958
Net loans and leases to deposits68.3657%3,898
Net loans and leases to core deposits71.4541%3,985
Total domestic deposits to total assets83.8329%3,107
Equity capital to assets15.8655%594
Core capital (leverage) ratio16.3039%497
Tier 1 risk-based capital ratio26.9092%625
Total risk-based capital ratio28.1607%613
Memoranda:
Average total assets$158,039,0003,316
Average earning assets$139,675,5003,370
Average equity$24,516,5002,760
Average total loans$92,410,0003,441
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5791%2,194
Cost of funding earning assets0.5466%3,070
Net interest margin4.0325%1,880
Noninterest income to average assets0.4246%3,278
Noninterest expense to average assets2.0534%4,645
Loan and lease loss provision to assets0.2094%893
Net operating income to assets1.7654%596
Return on assets (ROA)1.7680%592
Pretax return on assets1.7680%1,002
Return on Equity (ROE)12.0445%1,699
Retained earnings to average equity (ytd only)6.4404%1,956
Net charge-offs to loans0.3682%522
Credit loss provision to net charge-offs103.4375%2,452
Earnings coverage of net charge-offs (x)9.7531%2,785
Efficiency ratio50.9739%4,877
Assets per employee ($millions)7.5526%780
Cash dividends to net income (ytd only)*46.5283%2,161
Condition Ratios (%)
Loss allowance to loans1.4155%1,578
Loan loss allowance to noncurrent loans253.3589%1,856
Noncurrent assets plus other real estate owned to assets0.3285%3,240
Noncurrent loans to loans0.5587%2,600
Net loans and leases to total assets57.9632%3,967
Net loans and leases to deposits68.6188%3,936
Net loans and leases to core deposits71.6283%4,020
Total domestic deposits to total assets84.4714%2,845
Equity capital to assets15.1629%676
Core capital (leverage) ratio16.2244%488
Tier 1 risk-based capital ratio25.8550%682
Total risk-based capital ratio27.1067%664
Memoranda:
Average total assets$158,034,0003,305
Average earning assets$141,227,4003,346
Average equity$23,197,4002,798
Average total loans$86,904,4003,534
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4683%2,404
Cost of funding earning assets0.5256%3,022
Net interest margin3.9427%2,153
Noninterest income to average assets0.4222%3,339
Noninterest expense to average assets2.0039%4,735
Loan and lease loss provision to assets0.1951%902
Net operating income to assets1.7514%661
Return on assets (ROA)1.7547%658
Pretax return on assets1.7547%1,125
Return on Equity (ROE)12.0542%1,772
Retained earnings to average equity (ytd only)4.5131%3,493
Net charge-offs to loans0.3641%447
Credit loss provision to net charge-offs99.1416%2,306
Earnings coverage of net charge-offs (x)9.8927%2,617
Efficiency ratio50.7268%4,904
Assets per employee ($millions)7.3902%810
Cash dividends to net income (ytd only)*62.5601%1,103
Condition Ratios (%)
Loss allowance to loans1.4794%1,419
Loan loss allowance to noncurrent loans158.0411%2,650
Noncurrent assets plus other real estate owned to assets0.5329%2,609
Noncurrent loans to loans0.9361%1,822
Net loans and leases to total assets56.0840%4,214
Net loans and leases to deposits66.1511%4,186
Net loans and leases to core deposits68.9167%4,253
Total domestic deposits to total assets84.7816%2,693
Equity capital to assets14.8041%760
Core capital (leverage) ratio15.7726%556
Tier 1 risk-based capital ratio26.1873%666
Total risk-based capital ratio27.4398%657
Memoranda:
Average total assets$157,891,5003,334
Average earning assets$141,288,7503,377
Average equity$22,984,5002,829
Average total loans$85,317,5003,594
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4070%2,389
Cost of funding earning assets0.5162%2,890
Net interest margin3.8908%2,234
Noninterest income to average assets0.4219%3,340
Noninterest expense to average assets1.9699%4,847
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.9170%449
Return on assets (ROA)1.9170%447
Pretax return on assets1.9170%743
Return on Equity (ROE)13.2419%1,283
Retained earnings to average equity (ytd only)4.7504%3,206
Net charge-offs to loans0.2657%603
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)13.5893%2,139
Efficiency ratio50.6805%4,985
Assets per employee ($millions)7.5228%757
Cash dividends to net income (ytd only)*64.1261%1,177
Condition Ratios (%)
Loss allowance to loans1.4172%1,693
Loan loss allowance to noncurrent loans153.4615%2,731
Noncurrent assets plus other real estate owned to assets0.4937%2,780
Noncurrent loans to loans0.9235%1,875
Net loans and leases to total assets52.7051%4,432
Net loans and leases to deposits61.8807%4,425
Net loans and leases to core deposits64.2774%4,476
Total domestic deposits to total assets85.1721%2,609
Equity capital to assets14.4880%807
Core capital (leverage) ratio15.4294%582
Tier 1 risk-based capital ratio26.8648%618
Total risk-based capital ratio28.1154%608
Memoranda:
Average total assets$158,790,6703,332
Average earning assets$141,410,0003,393
Average equity$22,987,6702,848
Average total loans$84,308,0003,637
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3040%2,497
Cost of funding earning assets0.5214%2,616
Net interest margin3.7825%2,491
Noninterest income to average assets0.4246%3,279
Noninterest expense to average assets1.8870%5,039
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.9096%445
Return on assets (ROA)1.9096%446
Pretax return on assets1.9096%709
Return on Equity (ROE)13.1959%1,210
Retained earnings to average equity (ytd only)7.0494%2,257
Net charge-offs to loans0.1805%812
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)20.0000%1,487
Efficiency ratio49.7022%5,099
Assets per employee ($millions)7.5148%763
Cash dividends to net income (ytd only)*46.5789%1,606
Condition Ratios (%)
Loss allowance to loans1.5078%1,435
Loan loss allowance to noncurrent loans137.1090%2,905
Noncurrent assets plus other real estate owned to assets0.5874%2,563
Noncurrent loans to loans1.0997%1,663
Net loans and leases to total assets52.6091%4,395
Net loans and leases to deposits61.7708%4,360
Net loans and leases to core deposits64.2822%4,408
Total domestic deposits to total assets85.1683%2,874
Equity capital to assets14.5300%771
Core capital (leverage) ratio15.2702%599
Tier 1 risk-based capital ratio26.5697%638
Total risk-based capital ratio27.8214%631
Memoranda:
Average total assets$159,196,5003,371
Average earning assets$141,916,0003,426
Average equity$23,037,5002,861
Average total loans$84,232,0003,669
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3497%2,180
Cost of funding earning assets0.4404%2,869
Net interest margin3.9093%2,057
Noninterest income to average assets0.4022%3,630
Noninterest expense to average assets2.0413%4,890
Loan and lease loss provision to assets0.0633%2,962
Net operating income to assets1.7893%431
Return on assets (ROA)1.8222%405
Pretax return on assets1.8222%749
Return on Equity (ROE)12.7856%1,000
Retained earnings to average equity (ytd only)7.2661%993
Net charge-offs to loans0.1599%1,526
Credit loss provision to net charge-offs79.3651%2,950
Earnings coverage of net charge-offs (x)23.2143%1,816
Efficiency ratio52.4236%5,077
Assets per employee ($millions)7.6468%722
Cash dividends to net income (ytd only)*43.1700%2,696
Condition Ratios (%)
Loss allowance to loans1.5552%1,258
Loan loss allowance to noncurrent loans144.3219%2,874
Noncurrent assets plus other real estate owned to assets0.5648%2,663
Noncurrent loans to loans1.0776%1,650
Net loans and leases to total assets51.6004%4,547
Net loans and leases to deposits60.5457%4,534
Net loans and leases to core deposits64.0566%4,529
Total domestic deposits to total assets85.2256%2,744
Equity capital to assets14.4132%802
Core capital (leverage) ratio14.8592%644
Tier 1 risk-based capital ratio26.1871%648
Total risk-based capital ratio27.4398%642
Memoranda:
Average total assets$157,886,2003,379
Average earning assets$141,021,4003,438
Average equity$22,501,8002,903
Average total loans$78,813,0003,777
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3411%2,136
Cost of funding earning assets0.4296%2,889
Net interest margin3.9114%1,999
Noninterest income to average assets0.4122%3,608
Noninterest expense to average assets2.0430%4,868
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.8666%417
Return on assets (ROA)1.9107%380
Pretax return on assets1.9107%667
Return on Equity (ROE)13.4458%947
Retained earnings to average equity (ytd only)6.0336%2,209
Net charge-offs to loans0.1738%1,205
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)21.7926%1,896
Efficiency ratio52.2560%5,076
Assets per employee ($millions)7.1423%898
Cash dividends to net income (ytd only)*55.1266%1,533
Condition Ratios (%)
Loss allowance to loans1.4715%1,642
Loan loss allowance to noncurrent loans123.9196%3,162
Noncurrent assets plus other real estate owned to assets0.6332%2,610
Noncurrent loans to loans1.1875%1,617
Net loans and leases to total assets52.5421%4,535
Net loans and leases to deposits61.7867%4,528
Net loans and leases to core deposits65.7545%4,498
Total domestic deposits to total assets85.0380%2,696
Equity capital to assets14.6343%824
Core capital (leverage) ratio14.7828%704
Tier 1 risk-based capital ratio25.5087%705
Total risk-based capital ratio26.7598%699
Memoranda:
Average total assets$157,212,2503,412
Average earning assets$140,575,5003,469
Average equity$22,341,0002,938
Average total loans$77,473,7503,834
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3315%2,032
Cost of funding earning assets0.4222%2,872
Net interest margin3.9093%1,894
Noninterest income to average assets0.4159%3,592
Noninterest expense to average assets2.0351%4,899
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.8672%398
Return on assets (ROA)1.9270%362
Pretax return on assets1.9270%614
Return on Equity (ROE)13.6962%872
Retained earnings to average equity (ytd only)5.2253%2,565
Net charge-offs to loans0.1672%1,162
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)23.3016%1,681
Efficiency ratio52.1512%5,163
Assets per employee ($millions)7.5658%718
Cash dividends to net income (ytd only)*61.8482%1,416
Condition Ratios (%)
Loss allowance to loans1.5621%1,355
Loan loss allowance to noncurrent loans239.8113%1,902
Noncurrent assets plus other real estate owned to assets0.3336%3,788
Noncurrent loans to loans0.6514%2,789
Net loans and leases to total assets50.4104%4,679
Net loans and leases to deposits59.0038%4,701
Net loans and leases to core deposits61.8828%4,722
Total domestic deposits to total assets85.4357%2,634
Equity capital to assets14.2477%890
Core capital (leverage) ratio14.7217%693
Tier 1 risk-based capital ratio25.5501%700
Total risk-based capital ratio26.8024%691
Memoranda:
Average total assets$157,239,3303,427
Average earning assets$140,229,6703,490
Average equity$22,123,0002,960
Average total loans$75,367,3303,892
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2908%1,981
Cost of funding earning assets0.4211%2,808
Net interest margin3.8697%1,890
Noninterest income to average assets0.4092%3,594
Noninterest expense to average assets2.0279%4,987
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.8361%421
Return on assets (ROA)1.9742%331
Pretax return on assets1.9742%533
Return on Equity (ROE)14.1224%782
Retained earnings to average equity (ytd only)8.1039%1,416
Net charge-offs to loans0.1437%1,084
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)27.6154%1,272
Efficiency ratio52.4818%5,243
Assets per employee ($millions)7.7963%672
Cash dividends to net income (ytd only)*42.6166%1,918
Condition Ratios (%)
Loss allowance to loans1.7224%1,103
Loan loss allowance to noncurrent loans175.4692%2,515
Noncurrent assets plus other real estate owned to assets0.4784%3,300
Noncurrent loans to loans0.9816%2,084
Net loans and leases to total assets47.9012%4,831
Net loans and leases to deposits55.9966%4,817
Net loans and leases to core deposits58.6402%4,847
Total domestic deposits to total assets85.5430%2,867
Equity capital to assets14.2004%847
Core capital (leverage) ratio14.4818%717
Tier 1 risk-based capital ratio26.6913%648
Total risk-based capital ratio27.9452%634
Memoranda:
Average total assets$156,418,0003,466
Average earning assets$139,648,0003,535
Average equity$21,866,0002,996
Average total loans$72,369,0003,993
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9687%3,316
Cost of funding earning assets0.4223%2,785
Net interest margin3.5464%3,264
Noninterest income to average assets0.4037%3,853
Noninterest expense to average assets1.8976%5,366
Loan and lease loss provision to assets0.0552%3,276
Net operating income to assets1.6898%559
Return on assets (ROA)1.6880%590
Pretax return on assets1.6880%1,035
Return on Equity (ROE)12.5695%1,097
Retained earnings to average equity (ytd only)6.6403%1,387
Net charge-offs to loans0.1006%2,275
Credit loss provision to net charge-offs134.8485%2,010
Earnings coverage of net charge-offs (x)42.6364%1,130
Efficiency ratio52.0940%5,380
Assets per employee ($millions)7.8456%646
Cash dividends to net income (ytd only)*47.1712%2,452
Condition Ratios (%)
Loss allowance to loans1.9421%741
Loan loss allowance to noncurrent loans221.0265%2,087
Noncurrent assets plus other real estate owned to assets0.3849%3,731
Noncurrent loans to loans0.8787%2,346
Net loans and leases to total assets42.9568%5,183
Net loans and leases to deposits50.0944%5,205
Net loans and leases to core deposits52.5510%5,201
Total domestic deposits to total assets85.7518%2,698
Equity capital to assets13.7594%966
Core capital (leverage) ratio13.7275%892
Tier 1 risk-based capital ratio27.9710%564
Total risk-based capital ratio29.2276%556
Memoranda:
Average total assets$161,257,2003,383
Average earning assets$147,277,4003,401
Average equity$21,655,6003,008
Average total loans$65,591,6004,148
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9089%3,556
Cost of funding earning assets0.4163%2,875
Net interest margin3.4926%3,501
Noninterest income to average assets0.4115%3,835
Noninterest expense to average assets1.8068%5,508
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.8085%483
Return on assets (ROA)1.8076%512
Pretax return on assets1.8076%890
Return on Equity (ROE)13.5409%911
Retained earnings to average equity (ytd only)5.6416%2,406
Net charge-offs to loans0.1008%1,937
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)44.9400%1,153
Efficiency ratio49.9773%5,499
Assets per employee ($millions)8.0387%583
Cash dividends to net income (ytd only)*58.3373%1,492
Condition Ratios (%)
Loss allowance to loans1.9551%775
Loan loss allowance to noncurrent loans153.0909%2,746
Noncurrent assets plus other real estate owned to assets0.5131%3,406
Noncurrent loans to loans1.2771%1,746
Net loans and leases to total assets39.3959%5,410
Net loans and leases to deposits45.9734%5,455
Net loans and leases to core deposits48.2406%5,448
Total domestic deposits to total assets85.6929%2,514
Equity capital to assets13.9874%1,035
Core capital (leverage) ratio13.4154%1,031
Tier 1 risk-based capital ratio28.1914%571
Total risk-based capital ratio29.4453%558
Memoranda:
Average total assets$162,343,7503,389
Average earning assets$148,920,5003,399
Average equity$21,672,0003,034
Average total loans$64,804,7504,192
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8225%3,879
Cost of funding earning assets0.4123%2,920
Net interest margin3.4101%3,851
Noninterest income to average assets0.4212%3,729
Noninterest expense to average assets1.7536%5,641
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.8260%459
Return on assets (ROA)1.8260%480
Pretax return on assets1.8260%831
Return on Equity (ROE)13.8972%852
Retained earnings to average equity (ytd only)5.0187%2,731
Net charge-offs to loans0.1418%1,475
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)32.3261%1,343
Efficiency ratio48.9880%5,621
Assets per employee ($millions)8.0679%546
Cash dividends to net income (ytd only)*63.8870%1,379
Condition Ratios (%)
Loss allowance to loans1.9440%833
Loan loss allowance to noncurrent loans144.3558%2,953
Noncurrent assets plus other real estate owned to assets0.5435%3,402
Noncurrent loans to loans1.3467%1,670
Net loans and leases to total assets39.5747%5,440
Net loans and leases to deposits46.0022%5,499
Net loans and leases to core deposits48.6218%5,478
Total domestic deposits to total assets86.0280%2,408
Equity capital to assets13.6479%1,163
Core capital (leverage) ratio13.0455%1,129
Tier 1 risk-based capital ratio27.9572%598
Total risk-based capital ratio29.2112%582
Memoranda:
Average total assets$162,867,3303,402
Average earning assets$150,844,6703,396
Average equity$21,400,0003,061
Average total loans$64,872,6704,220
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7971%3,955
Cost of funding earning assets0.4091%2,974
Net interest margin3.3880%3,910
Noninterest income to average assets0.3716%4,067
Noninterest expense to average assets1.7210%5,735
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.8090%461
Return on assets (ROA)1.8090%491
Pretax return on assets1.8090%839
Return on Equity (ROE)14.0358%825
Retained earnings to average equity (ytd only)7.3972%1,708
Net charge-offs to loans-0.0309%5,077
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.7535%5,691
Assets per employee ($millions)8.1962%522
Cash dividends to net income (ytd only)*47.2973%1,840
Condition Ratios (%)
Loss allowance to loans2.0479%757
Loan loss allowance to noncurrent loans60.9440%4,553
Noncurrent assets plus other real estate owned to assets1.3183%1,626
Noncurrent loans to loans3.3602%426
Net loans and leases to total assets38.4290%5,536
Net loans and leases to deposits44.3635%5,575
Net loans and leases to core deposits46.6761%5,563
Total domestic deposits to total assets86.6230%2,400
Equity capital to assets13.1312%1,349
Core capital (leverage) ratio12.8747%1,211
Tier 1 risk-based capital ratio27.7565%626
Total risk-based capital ratio29.0128%612
Memoranda:
Average total assets$163,622,0003,407
Average earning assets$152,539,0003,382
Average equity$21,089,0003,093
Average total loans$64,747,5004,246
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8085%4,017
Cost of funding earning assets0.4379%2,758
Net interest margin3.3706%4,033
Noninterest income to average assets0.3910%4,100
Noninterest expense to average assets1.7832%5,757
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.7205%553
Return on assets (ROA)1.7540%544
Pretax return on assets1.7540%883
Return on Equity (ROE)13.8435%869
Retained earnings to average equity (ytd only)4.2684%2,938
Net charge-offs to loans0.0951%2,473
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)44.8413%1,080
Efficiency ratio50.8952%5,712
Assets per employee ($millions)8.1661%519
Cash dividends to net income (ytd only)*69.1667%1,296
Condition Ratios (%)
Loss allowance to loans2.0128%784
Loan loss allowance to noncurrent loans60.6846%4,615
Noncurrent assets plus other real estate owned to assets1.3544%1,553
Noncurrent loans to loans3.3168%446
Net loans and leases to total assets39.1083%5,568
Net loans and leases to deposits44.9448%5,616
Net loans and leases to core deposits47.1436%5,600
Total domestic deposits to total assets87.0139%2,125
Equity capital to assets12.6456%1,535
Core capital (leverage) ratio12.3176%1,443
Tier 1 risk-based capital ratio27.1297%657
Total risk-based capital ratio28.3850%642
Memoranda:
Average total assets$164,195,2003,381
Average earning assets$151,635,2003,376
Average equity$20,804,0003,095
Average total loans$66,245,2004,190
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8158%4,038
Cost of funding earning assets0.4440%2,749
Net interest margin3.3718%4,076
Noninterest income to average assets0.3925%4,132
Noninterest expense to average assets1.7857%5,791
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7046%619
Return on assets (ROA)1.7565%587
Pretax return on assets1.7565%980
Return on Equity (ROE)13.8565%937
Retained earnings to average equity (ytd only)5.5464%2,552
Net charge-offs to loans0.0421%3,041
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)100.0929%628
Efficiency ratio51.1617%5,711
Assets per employee ($millions)8.2326%490
Cash dividends to net income (ytd only)*59.9724%1,424
Condition Ratios (%)
Loss allowance to loans2.0597%833
Loan loss allowance to noncurrent loans52.8287%4,883
Noncurrent assets plus other real estate owned to assets1.5870%1,406
Noncurrent loans to loans3.8988%345
Net loans and leases to total assets39.1033%5,642
Net loans and leases to deposits45.0172%5,686
Net loans and leases to core deposits47.2055%5,684
Total domestic deposits to total assets86.8631%2,113
Equity capital to assets12.8447%1,533
Core capital (leverage) ratio12.6121%1,355
Tier 1 risk-based capital ratio26.9217%694
Total risk-based capital ratio28.1778%670
Memoranda:
Average total assets$164,413,7503,414
Average earning assets$151,053,5003,411
Average equity$20,841,7503,114
Average total loans$66,510,5004,223
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8278%3,962
Cost of funding earning assets0.4480%2,754
Net interest margin3.3798%3,972
Noninterest income to average assets0.3919%4,140
Noninterest expense to average assets1.7574%5,911
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.7379%584
Return on assets (ROA)1.7379%613
Pretax return on assets1.7379%1,002
Return on Equity (ROE)13.7709%948
Retained earnings to average equity (ytd only)4.3396%3,259
Net charge-offs to loans0.0150%3,411
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)285.6000%239
Efficiency ratio50.2786%5,842
Assets per employee ($millions)8.1798%489
Cash dividends to net income (ytd only)*68.4874%1,254
Condition Ratios (%)
Loss allowance to loans2.0332%935
Loan loss allowance to noncurrent loans62.8152%4,670
Noncurrent assets plus other real estate owned to assets1.3637%1,841
Noncurrent loans to loans3.2368%578
Net loans and leases to total assets40.3506%5,608
Net loans and leases to deposits46.3447%5,660
Net loans and leases to core deposits48.3558%5,682
Total domestic deposits to total assets87.0663%2,133
Equity capital to assets12.6171%1,591
Core capital (leverage) ratio12.1254%1,580
Tier 1 risk-based capital ratio26.0375%778
Total risk-based capital ratio27.2942%764
Memoranda:
Average total assets$164,334,6703,428
Average earning assets$150,894,3303,439
Average equity$20,739,3303,137
Average total loans$66,768,0004,246
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7689%4,133
Cost of funding earning assets0.4542%2,731
Net interest margin3.3147%4,153
Noninterest income to average assets0.3837%4,128
Noninterest expense to average assets1.7389%5,971
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.6757%623
Return on assets (ROA)1.6757%650
Pretax return on assets1.6757%1,098
Return on Equity (ROE)13.2766%1,029
Retained earnings to average equity (ytd only)6.4266%2,274
Net charge-offs to loans-0.0301%5,255
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.9246%5,859
Assets per employee ($millions)8.9257%372
Cash dividends to net income (ytd only)*51.5942%1,676
Condition Ratios (%)
Loss allowance to loans2.0619%975
Loan loss allowance to noncurrent loans60.2094%4,708
Noncurrent assets plus other real estate owned to assets1.3822%1,915
Noncurrent loans to loans3.4245%570
Net loans and leases to total assets38.6523%5,681
Net loans and leases to deposits44.2612%5,747
Net loans and leases to core deposits45.8825%5,761
Total domestic deposits to total assets87.3276%2,200
Equity capital to assets12.3817%1,768
Core capital (leverage) ratio12.1756%1,527
Tier 1 risk-based capital ratio26.1516%775
Total risk-based capital ratio27.4081%756
Memoranda:
Average total assets$164,704,0003,447
Average earning assets$150,600,5003,454
Average equity$20,788,5003,154
Average total loans$66,461,0004,290
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2263%2,863
Cost of funding earning assets0.5036%2,639
Net interest margin3.7227%2,914
Noninterest income to average assets0.4468%3,853
Noninterest expense to average assets1.7839%6,088
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets2.0423%305
Return on assets (ROA)2.0429%312
Pretax return on assets2.0429%476
Return on Equity (ROE)16.4935%553
Retained earnings to average equity (ytd only)9.0805%688
Net charge-offs to loans-0.3433%6,348
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.6238%6,241
Assets per employee ($millions)8.4115%456
Cash dividends to net income (ytd only)*44.9445%2,575
Condition Ratios (%)
Loss allowance to loans2.0836%973
Loan loss allowance to noncurrent loans76.0088%4,335
Noncurrent assets plus other real estate owned to assets1.1644%2,436
Noncurrent loans to loans2.7412%883
Net loans and leases to total assets40.4314%5,715
Net loans and leases to deposits46.5658%5,768
Net loans and leases to core deposits48.7503%5,773
Total domestic deposits to total assets86.8263%2,373
Equity capital to assets12.8764%1,426
Core capital (leverage) ratio12.2526%1,475
Tier 1 risk-based capital ratio24.4102%903
Total risk-based capital ratio25.6661%883
Memoranda:
Average total assets$154,434,8003,567
Average earning assets$140,192,4003,606
Average equity$19,128,8003,269
Average total loans$69,618,2004,195
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2646%2,763
Cost of funding earning assets0.5098%2,662
Net interest margin3.7548%2,794
Noninterest income to average assets0.4625%3,794
Noninterest expense to average assets1.7915%6,102
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets2.0772%298
Return on assets (ROA)2.0772%308
Pretax return on assets2.0772%475
Return on Equity (ROE)16.9449%555
Retained earnings to average equity (ytd only)6.8703%1,889
Net charge-offs to loans-0.1720%6,278
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.3080%6,285
Assets per employee ($millions)8.4966%424
Cash dividends to net income (ytd only)*59.4550%1,403
Condition Ratios (%)
Loss allowance to loans1.8093%1,674
Loan loss allowance to noncurrent loans131.5451%3,026
Noncurrent assets plus other real estate owned to assets0.6095%4,011
Noncurrent loans to loans1.3754%2,359
Net loans and leases to total assets41.2145%5,733
Net loans and leases to deposits46.9989%5,820
Net loans and leases to core deposits49.7057%5,806
Total domestic deposits to total assets87.6923%1,924
Equity capital to assets12.0134%2,044
Core capital (leverage) ratio12.3533%1,486
Tier 1 risk-based capital ratio23.0506%1,101
Total risk-based capital ratio24.3043%1,085
Memoranda:
Average total assets$153,088,7503,614
Average earning assets$138,877,2503,649
Average equity$18,766,2503,332
Average total loans$70,524,7504,201
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3764%2,269
Cost of funding earning assets0.5190%2,645
Net interest margin3.8573%2,346
Noninterest income to average assets0.4897%3,553
Noninterest expense to average assets1.7963%6,152
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets2.1942%231
Return on assets (ROA)2.1942%239
Pretax return on assets2.1942%369
Return on Equity (ROE)17.7723%481
Retained earnings to average equity (ytd only)6.2618%2,177
Net charge-offs to loans-0.3471%6,460
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.0150%6,390
Assets per employee ($millions)7.4864%635
Cash dividends to net income (ytd only)*64.7665%1,332
Condition Ratios (%)
Loss allowance to loans1.8731%1,644
Loan loss allowance to noncurrent loans160.5096%2,575
Noncurrent assets plus other real estate owned to assets0.5590%4,313
Noncurrent loans to loans1.1670%2,891
Net loans and leases to total assets44.0849%5,529
Net loans and leases to deposits50.6927%5,581
Net loans and leases to core deposits54.0917%5,543
Total domestic deposits to total assets86.9649%2,469
Equity capital to assets12.7746%1,504
Core capital (leverage) ratio12.2343%1,535
Tier 1 risk-based capital ratio23.1497%1,091
Total risk-based capital ratio24.4038%1,076
Memoranda:
Average total assets$150,306,3303,674
Average earning assets$136,415,0003,704
Average equity$18,557,0003,353
Average total loans$71,446,0004,183
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3797%2,225
Cost of funding earning assets0.5233%2,674
Net interest margin3.8563%2,249
Noninterest income to average assets0.4781%3,578
Noninterest expense to average assets1.7637%6,264
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets2.2179%228
Return on assets (ROA)2.2179%241
Pretax return on assets2.2179%346
Return on Equity (ROE)18.2793%422
Retained earnings to average equity (ytd only)9.0630%1,224
Net charge-offs to loans0.0490%2,700
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)92.7778%487
Efficiency ratio44.2962%6,489
Assets per employee ($millions)7.6705%574
Cash dividends to net income (ytd only)*50.4192%1,675
Condition Ratios (%)
Loss allowance to loans1.5392%2,974
Loan loss allowance to noncurrent loans111.3636%3,361
Noncurrent assets plus other real estate owned to assets0.6936%4,028
Noncurrent loans to loans1.3822%2,717
Net loans and leases to total assets46.9933%5,232
Net loans and leases to deposits53.5952%5,321
Net loans and leases to core deposits57.2477%5,262
Total domestic deposits to total assets87.6819%2,414
Equity capital to assets12.0430%1,841
Core capital (leverage) ratio12.2667%1,499
Tier 1 risk-based capital ratio21.6703%1,346
Total risk-based capital ratio22.9222%1,326
Memoranda:
Average total assets$150,596,0003,697
Average earning assets$136,814,5003,717
Average equity$18,272,0003,388
Average total loans$73,535,5004,145
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4924%2,239
Cost of funding earning assets0.5575%3,047
Net interest margin3.9349%2,161
Noninterest income to average assets0.6285%2,927
Noninterest expense to average assets1.8044%6,311
Loan and lease loss provision to assets0.1945%1,905
Net operating income to assets2.2228%236
Return on assets (ROA)2.2740%225
Pretax return on assets2.2740%280
Return on Equity (ROE)18.6399%364
Retained earnings to average equity (ytd only)11.4905%369
Net charge-offs to loans0.4963%1,335
Credit loss provision to net charge-offs77.8689%3,097
Earnings coverage of net charge-offs (x)9.6776%2,472
Efficiency ratio42.7417%6,642
Assets per employee ($millions)7.3892%631
Cash dividends to net income (ytd only)*38.3553%2,892
Condition Ratios (%)
Loss allowance to loans1.5382%3,016
Loan loss allowance to noncurrent loans410.1083%1,136
Noncurrent assets plus other real estate owned to assets0.2226%5,614
Noncurrent loans to loans0.3751%5,067
Net loans and leases to total assets49.2046%5,175
Net loans and leases to deposits56.3245%5,274
Net loans and leases to core deposits60.6320%5,171
Total domestic deposits to total assets87.3592%2,549
Equity capital to assets12.2267%1,666
Core capital (leverage) ratio12.1269%1,525
Tier 1 risk-based capital ratio21.1250%1,401
Total risk-based capital ratio22.3772%1,380
Memoranda:
Average total assets$146,527,8003,761
Average earning assets$133,802,8003,758
Average equity$17,875,6003,438
Average total loans$73,739,0004,141
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4699%2,345
Cost of funding earning assets0.5597%3,164
Net interest margin3.9102%2,234
Noninterest income to average assets0.6812%2,730
Noninterest expense to average assets1.8666%6,230
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets2.3818%198
Return on assets (ROA)2.4502%190
Pretax return on assets2.4502%256
Return on Equity (ROE)20.0961%291
Retained earnings to average equity (ytd only)10.5379%680
Net charge-offs to loans0.1013%3,532
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)46.6459%903
Efficiency ratio43.9365%6,657
Assets per employee ($millions)6.9489%774
Cash dividends to net income (ytd only)*47.5624%1,981
Condition Ratios (%)
Loss allowance to loans1.6050%2,982
Loan loss allowance to noncurrent loans108.2013%3,276
Noncurrent assets plus other real estate owned to assets0.7709%4,178
Noncurrent loans to loans1.4833%2,941
Net loans and leases to total assets48.7751%5,266
Net loans and leases to deposits55.4996%5,414
Net loans and leases to core deposits59.5261%5,340
Total domestic deposits to total assets87.8837%2,199
Equity capital to assets11.7634%2,071
Core capital (leverage) ratio11.7301%1,868
Tier 1 risk-based capital ratio20.7022%1,558
Total risk-based capital ratio21.9653%1,528
Memoranda:
Average total assets$146,214,0003,808
Average earning assets$133,392,0003,808
Average equity$17,827,2503,488
Average total loans$73,710,7504,169
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4864%2,248
Cost of funding earning assets0.5629%3,282
Net interest margin3.9236%2,135
Noninterest income to average assets0.7655%2,350
Noninterest expense to average assets1.8946%6,229
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets2.4346%188
Return on assets (ROA)2.4346%200
Pretax return on assets2.4346%298
Return on Equity (ROE)19.7366%325
Retained earnings to average equity (ytd only)9.7187%908
Net charge-offs to loans0.0782%3,599
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)61.4138%685
Efficiency ratio43.7638%6,714
Assets per employee ($millions)7.2835%633
Cash dividends to net income (ytd only)*50.7580%1,846
Condition Ratios (%)
Loss allowance to loans1.6340%3,029
Loan loss allowance to noncurrent loans100.9338%3,430
Noncurrent assets plus other real estate owned to assets0.8444%4,125
Noncurrent loans to loans1.6189%2,879
Net loans and leases to total assets49.1350%5,209
Net loans and leases to deposits56.2599%5,308
Net loans and leases to core deposits60.1173%5,256
Total domestic deposits to total assets87.3358%2,634
Equity capital to assets12.3540%1,672
Core capital (leverage) ratio11.4882%1,943
Tier 1 risk-based capital ratio19.8947%1,744
Total risk-based capital ratio21.1577%1,713
Memoranda:
Average total assets$146,309,6703,830
Average earning assets$132,889,3303,849
Average equity$18,047,6703,473
Average total loans$74,168,6704,168
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4952%2,189
Cost of funding earning assets0.5676%3,400
Net interest margin3.9276%2,019
Noninterest income to average assets0.4419%4,162
Noninterest expense to average assets1.8414%6,381
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets2.1305%273
Return on assets (ROA)2.1305%299
Pretax return on assets2.1305%464
Return on Equity (ROE)17.2850%488
Retained earnings to average equity (ytd only)9.6495%1,199
Net charge-offs to loans0.1015%2,841
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)41.1053%773
Efficiency ratio46.3599%6,679
Assets per employee ($millions)7.3786%637
Cash dividends to net income (ytd only)*44.1741%1,728
Condition Ratios (%)
Loss allowance to loans1.6201%3,315
Loan loss allowance to noncurrent loans102.3932%3,290
Noncurrent assets plus other real estate owned to assets0.8281%4,307
Noncurrent loans to loans1.5823%3,157
Net loans and leases to total assets49.2956%5,076
Net loans and leases to deposits56.3835%5,206
Net loans and leases to core deposits60.0135%5,150
Total domestic deposits to total assets87.4291%2,670
Equity capital to assets12.2775%1,851
Core capital (leverage) ratio11.1937%2,102
Tier 1 risk-based capital ratio18.8416%2,082
Total risk-based capital ratio20.1036%2,057
Memoranda:
Average total assets$146,629,5003,868
Average earning assets$131,784,0003,906
Average equity$18,073,5003,514
Average total loans$74,871,0004,173
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7313%2,466
Cost of funding earning assets0.7239%3,297
Net interest margin4.0075%2,365
Noninterest income to average assets0.6266%3,131
Noninterest expense to average assets1.8874%6,507
Loan and lease loss provision to assets0.3585%1,858
Net operating income to assets2.0179%347
Return on assets (ROA)2.1112%325
Pretax return on assets2.1112%482
Return on Equity (ROE)18.3051%420
Retained earnings to average equity (ytd only)11.5126%374
Net charge-offs to loans0.5657%2,035
Credit loss provision to net charge-offs120.6977%2,374
Earnings coverage of net charge-offs (x)8.0000%2,494
Efficiency ratio44.2644%6,837
Assets per employee ($millions)7.2844%681
Cash dividends to net income (ytd only)*37.1073%3,027
Condition Ratios (%)
Loss allowance to loans1.6056%3,284
Loan loss allowance to noncurrent loans424.0418%946
Noncurrent assets plus other real estate owned to assets0.3405%5,658
Noncurrent loans to loans0.3786%5,552
Net loans and leases to total assets51.1923%5,011
Net loans and leases to deposits58.6154%5,171
Net loans and leases to core deposits62.7290%5,088
Total domestic deposits to total assets87.3360%2,624
Equity capital to assets12.3751%1,807
Core capital (leverage) ratio11.0384%2,224
Tier 1 risk-based capital ratio17.8424%2,318
Total risk-based capital ratio19.1039%2,286
Memoranda:
Average total assets$144,751,4003,865
Average earning assets$131,380,2003,860
Average equity$16,694,8003,675
Average total loans$76,011,0004,155
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7451%2,603
Cost of funding earning assets0.7594%3,275
Net interest margin3.9857%2,559
Noninterest income to average assets0.6827%2,800
Noninterest expense to average assets1.9439%6,454
Loan and lease loss provision to assets0.4558%1,365
Net operating income to assets1.9051%445
Return on assets (ROA)1.9494%474
Pretax return on assets1.9494%777
Return on Equity (ROE)17.2191%586
Retained earnings to average equity (ytd only)7.9780%1,624
Net charge-offs to loans0.6924%1,590
Credit loss provision to net charge-offs125.0633%2,304
Earnings coverage of net charge-offs (x)6.4785%2,781
Efficiency ratio45.1565%6,860
Assets per employee ($millions)7.1913%676
Cash dividends to net income (ytd only)*53.6677%1,534
Condition Ratios (%)
Loss allowance to loans1.6351%3,390
Loan loss allowance to noncurrent loans354.9133%1,054
Noncurrent assets plus other real estate owned to assets0.6209%5,119
Noncurrent loans to loans0.4607%5,525
Net loans and leases to total assets51.3638%5,130
Net loans and leases to deposits58.4326%5,384
Net loans and leases to core deposits62.2705%5,331
Total domestic deposits to total assets87.9027%2,101
Equity capital to assets11.8888%2,361
Core capital (leverage) ratio10.4511%2,977
Tier 1 risk-based capital ratio16.9973%2,731
Total risk-based capital ratio18.2591%2,687
Memoranda:
Average total assets$144,517,2503,912
Average earning assets$131,332,2503,908
Average equity$16,361,2503,761
Average total loans$76,064,2504,198
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7417%2,751
Cost of funding earning assets0.7986%3,200
Net interest margin3.9431%2,738
Noninterest income to average assets0.5140%3,829
Noninterest expense to average assets1.9330%6,542
Loan and lease loss provision to assets0.2860%2,289
Net operating income to assets1.8833%477
Return on assets (ROA)1.9496%487
Pretax return on assets1.9496%760
Return on Equity (ROE)17.5113%568
Retained earnings to average equity (ytd only)6.7637%2,241
Net charge-offs to loans0.5132%2,046
Credit loss provision to net charge-offs105.6122%2,575
Earnings coverage of net charge-offs (x)8.0102%2,375
Efficiency ratio47.1202%6,827
Assets per employee ($millions)7.6035%560
Cash dividends to net income (ytd only)*61.3749%1,321
Condition Ratios (%)
Loss allowance to loans1.4914%4,050
Loan loss allowance to noncurrent loans131.8287%2,504
Noncurrent assets plus other real estate owned to assets0.7808%4,839
Noncurrent loans to loans1.1313%4,265
Net loans and leases to total assets52.0745%5,088
Net loans and leases to deposits58.8488%5,361
Net loans and leases to core deposits62.7267%5,328
Total domestic deposits to total assets88.4886%1,829
Equity capital to assets11.3141%2,772
Core capital (leverage) ratio10.1773%3,168
Tier 1 risk-based capital ratio16.2022%3,065
Total risk-based capital ratio17.4617%3,025
Memoranda:
Average total assets$144,748,0003,926
Average earning assets$131,724,0003,928
Average equity$16,115,3303,788
Average total loans$76,385,0004,205
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7410%2,883
Cost of funding earning assets0.8465%3,092
Net interest margin3.8945%2,952
Noninterest income to average assets0.4859%4,014
Noninterest expense to average assets1.9298%6,590
Loan and lease loss provision to assets0.3451%1,813
Net operating income to assets1.7420%670
Return on assets (ROA)1.8580%604
Pretax return on assets1.8580%955
Return on Equity (ROE)16.8245%697
Retained earnings to average equity (ytd only)8.2247%1,894
Net charge-offs to loans1.0996%938
Credit loss provision to net charge-offs59.5238%3,127
Earnings coverage of net charge-offs (x)3.6000%2,796
Efficiency ratio48.0412%6,801
Assets per employee ($millions)7.7126%555
Cash dividends to net income (ytd only)*51.1144%1,435
Condition Ratios (%)
Loss allowance to loans1.3879%4,665
Loan loss allowance to noncurrent loans229.2308%1,448
Noncurrent assets plus other real estate owned to assets0.4552%5,715
Noncurrent loans to loans0.6055%5,450
Net loans and leases to total assets50.5705%5,224
Net loans and leases to deposits56.8974%5,499
Net loans and leases to core deposits60.8449%5,450
Total domestic deposits to total assets88.8802%1,773
Equity capital to assets10.9376%2,978
Core capital (leverage) ratio10.0112%3,356
Tier 1 risk-based capital ratio16.5819%2,871
Total risk-based capital ratio17.7798%2,863
Memoranda:
Average total assets$144,889,0003,961
Average earning assets$131,364,0003,959
Average equity$16,000,5003,819
Average total loans$76,393,0004,230
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2666%1,812
Cost of funding earning assets1.0318%3,153
Net interest margin4.2348%1,944
Noninterest income to average assets0.4727%4,042
Noninterest expense to average assets1.8313%6,917
Loan and lease loss provision to assets0.4126%2,532
Net operating income to assets2.1238%255
Return on assets (ROA)2.2092%232
Pretax return on assets2.2092%363
Return on Equity (ROE)21.1375%217
Retained earnings to average equity (ytd only)12.9027%235
Net charge-offs to loans0.8358%2,074
Credit loss provision to net charge-offs85.7143%4,210
Earnings coverage of net charge-offs (x)5.2692%2,846
Efficiency ratio41.9291%7,171
Assets per employee ($millions)7.1619%671
Cash dividends to net income (ytd only)*38.9581%2,668
Condition Ratios (%)
Loss allowance to loans1.4529%4,219
Loan loss allowance to noncurrent loans153.4694%2,081
Noncurrent assets plus other real estate owned to assets0.6653%5,319
Noncurrent loans to loans0.9467%4,810
Net loans and leases to total assets53.4139%5,112
Net loans and leases to deposits60.2594%5,456
Net loans and leases to core deposits64.8381%5,382
Total domestic deposits to total assets88.6399%1,760
Equity capital to assets11.1514%2,842
Core capital (leverage) ratio9.7973%3,611
Tier 1 risk-based capital ratio15.7682%3,172
Total risk-based capital ratio17.0290%3,129
Memoranda:
Average total assets$138,151,8004,007
Average earning assets$127,065,4003,993
Average equity$14,438,8004,022
Average total loans$79,564,8004,153
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4036%1,500
Cost of funding earning assets1.0665%3,201
Net interest margin4.3371%1,593
Noninterest income to average assets0.4490%4,302
Noninterest expense to average assets1.8634%6,901
Loan and lease loss provision to assets0.1656%4,406
Net operating income to assets2.4050%179
Return on assets (ROA)2.5199%157
Pretax return on assets2.5199%236
Return on Equity (ROE)24.5407%147
Retained earnings to average equity (ytd only)13.2616%352
Net charge-offs to loans0.4780%2,824
Credit loss provision to net charge-offs59.2334%4,829
Earnings coverage of net charge-offs (x)9.1951%2,082
Efficiency ratio42.0255%7,208
Assets per employee ($millions)7.6724%539
Cash dividends to net income (ytd only)*45.9604%1,766
Condition Ratios (%)
Loss allowance to loans1.4120%4,506
Loan loss allowance to noncurrent loans132.2967%2,287
Noncurrent assets plus other real estate owned to assets0.7512%5,280
Noncurrent loans to loans1.0673%4,781
Net loans and leases to total assets52.9731%5,328
Net loans and leases to deposits59.4152%5,705
Net loans and leases to core deposits63.2884%5,693
Total domestic deposits to total assets89.1573%1,327
Equity capital to assets10.6170%3,553
Core capital (leverage) ratio9.4422%4,238
Tier 1 risk-based capital ratio15.1798%3,558
Total risk-based capital ratio16.4104%3,540
Memoranda:
Average total assets$136,880,2504,060
Average earning assets$125,764,5004,044
Average equity$14,055,2504,111
Average total loans$80,046,7504,172
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4960%1,301
Cost of funding earning assets1.0772%3,413
Net interest margin4.4188%1,317
Noninterest income to average assets0.4704%4,105
Noninterest expense to average assets1.9057%6,942
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets2.6450%138
Return on assets (ROA)2.7137%133
Pretax return on assets2.7137%188
Return on Equity (ROE)26.7573%103
Retained earnings to average equity (ytd only)14.1371%299
Net charge-offs to loans0.5011%2,602
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)8.7673%2,009
Efficiency ratio41.8773%7,302
Assets per employee ($millions)8.1724%426
Cash dividends to net income (ytd only)*47.1657%1,789
Condition Ratios (%)
Loss allowance to loans1.2918%5,098
Loan loss allowance to noncurrent loans72.0536%3,852
Noncurrent assets plus other real estate owned to assets1.1020%4,686
Noncurrent loans to loans1.7929%3,765
Net loans and leases to total assets56.1527%4,970
Net loans and leases to deposits62.7932%5,416
Net loans and leases to core deposits67.4474%5,347
Total domestic deposits to total assets89.4249%1,283
Equity capital to assets10.3289%3,714
Core capital (leverage) ratio9.6411%3,747
Tier 1 risk-based capital ratio15.1106%3,444
Total risk-based capital ratio16.2789%3,452
Memoranda:
Average total assets$133,915,0004,147
Average earning assets$123,654,6704,121
Average equity$13,581,3304,204
Average total loans$80,619,6704,190
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5843%1,086
Cost of funding earning assets1.0884%3,596
Net interest margin4.4959%1,082
Noninterest income to average assets0.4992%3,899
Noninterest expense to average assets1.9268%6,944
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets2.7091%142
Return on assets (ROA)2.7152%147
Pretax return on assets2.7152%194
Return on Equity (ROE)27.0364%119
Retained earnings to average equity (ytd only)19.6408%175
Net charge-offs to loans0.7173%1,782
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)6.0959%2,158
Efficiency ratio41.5627%7,358
Assets per employee ($millions)7.0178%729
Cash dividends to net income (ytd only)*27.3543%2,057
Condition Ratios (%)
Loss allowance to loans1.3333%4,976
Loan loss allowance to noncurrent loans144.3700%2,052
Noncurrent assets plus other real estate owned to assets0.6870%5,573
Noncurrent loans to loans0.9235%5,186
Net loans and leases to total assets59.7737%4,315
Net loans and leases to deposits66.8179%4,859
Net loans and leases to core deposits71.8649%4,808
Total domestic deposits to total assets89.4576%1,506
Equity capital to assets10.3076%3,400
Core capital (leverage) ratio9.9146%3,253
Tier 1 risk-based capital ratio14.6246%3,660
Total risk-based capital ratio15.8464%3,636
Memoranda:
Average total assets$131,407,5004,225
Average earning assets$120,911,0004,200
Average equity$13,197,0004,293
Average total loans$81,412,5004,210
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9148%1,010
Cost of funding earning assets1.2497%4,216
Net interest margin4.6651%880
Noninterest income to average assets0.6612%3,072
Noninterest expense to average assets2.1110%6,819
Loan and lease loss provision to assets0.9654%1,678
Net operating income to assets1.9186%328
Return on assets (ROA)1.9070%355
Pretax return on assets1.9079%599
Return on Equity (ROE)18.1988%364
Retained earnings to average equity (ytd only)9.4879%606
Net charge-offs to loans0.8586%2,488
Credit loss provision to net charge-offs172.6471%1,955
Earnings coverage of net charge-offs (x)5.1588%2,702
Efficiency ratio42.2551%7,455
Assets per employee ($millions)6.8146%812
Cash dividends to net income (ytd only)*47.8655%2,194
Condition Ratios (%)
Loss allowance to loans1.4918%4,058
Loan loss allowance to noncurrent loans172.3944%1,730
Noncurrent assets plus other real estate owned to assets0.6101%5,803
Noncurrent loans to loans0.8654%5,332
Net loans and leases to total assets62.4227%4,196
Net loans and leases to deposits69.4302%4,893
Net loans and leases to core deposits74.5978%4,898
Total domestic deposits to total assets89.9071%1,155
Equity capital to assets9.7701%4,030
Core capital (leverage) ratio10.0505%3,031
Tier 1 risk-based capital ratio12.4103%5,101
Total risk-based capital ratio13.6509%5,092
Memoranda:
Average total assets$121,602,0004,452
Average earning assets$112,988,0004,399
Average equity$12,742,6004,413
Average total loans$79,196,0004,362
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9995%938
Cost of funding earning assets1.2658%4,460
Net interest margin4.7337%776
Noninterest income to average assets0.6765%2,969
Noninterest expense to average assets2.1153%6,816
Loan and lease loss provision to assets0.5004%2,959
Net operating income to assets2.4619%142
Return on assets (ROA)2.4463%158
Pretax return on assets2.4463%254
Return on Equity (ROE)22.9253%162
Retained earnings to average equity (ytd only)11.3321%552
Net charge-offs to loans0.2990%4,168
Credit loss provision to net charge-offs255.1136%1,304
Earnings coverage of net charge-offs (x)15.1023%1,463
Efficiency ratio41.6594%7,538
Assets per employee ($millions)7.0342%760
Cash dividends to net income (ytd only)*50.5694%1,600
Condition Ratios (%)
Loss allowance to loans1.2474%5,251
Loan loss allowance to noncurrent loans61.6995%4,215
Noncurrent assets plus other real estate owned to assets1.3458%4,473
Noncurrent loans to loans2.0217%3,650
Net loans and leases to total assets62.6501%4,398
Net loans and leases to deposits70.4272%5,083
Net loans and leases to core deposits75.3195%5,144
Total domestic deposits to total assets88.9572%1,412
Equity capital to assets10.7372%3,243
Core capital (leverage) ratio10.1353%3,114
Tier 1 risk-based capital ratio12.4251%5,056
Total risk-based capital ratio13.4526%5,237
Memoranda:
Average total assets$119,633,2504,548
Average earning assets$111,228,7504,499
Average equity$12,765,7504,482
Average total loans$78,483,2504,449
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0795%791
Cost of funding earning assets1.2447%4,868
Net interest margin4.8348%620
Noninterest income to average assets0.7314%2,510
Noninterest expense to average assets2.1755%6,710
Loan and lease loss provision to assets0.2540%4,391
Net operating income to assets2.8251%99
Return on assets (ROA)2.8012%106
Pretax return on assets2.8012%154
Return on Equity (ROE)26.3105%100
Retained earnings to average equity (ytd only)12.6188%421
Net charge-offs to loans0.2979%3,834
Credit loss provision to net charge-offs128.4483%3,130
Earnings coverage of net charge-offs (x)15.5690%1,450
Efficiency ratio41.4017%7,612
Assets per employee ($millions)5.9901%1,238
Cash dividends to net income (ytd only)*52.0390%1,594
Condition Ratios (%)
Loss allowance to loans0.9354%6,641
Loan loss allowance to noncurrent loans52.9861%4,765
Noncurrent assets plus other real estate owned to assets1.2212%4,695
Noncurrent loans to loans1.7654%4,038
Net loans and leases to total assets67.4485%3,510
Net loans and leases to deposits75.9008%4,354
Net loans and leases to core deposits83.5417%4,205
Total domestic deposits to total assets88.8640%1,514
Equity capital to assets10.7971%3,075
Core capital (leverage) ratio10.0103%3,152
Tier 1 risk-based capital ratio10.2638%6,865
Total risk-based capital ratio10.9262%7,185
Memoranda:
Average total assets$117,305,6704,630
Average earning assets$109,745,6704,564
Average equity$12,489,3304,553
Average total loans$77,868,6704,510
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0035%979
Cost of funding earning assets2.0157%1,027
Net interest margin3.9877%2,926
Noninterest income to average assets0.7927%2,057
Noninterest expense to average assets2.1817%6,736
Loan and lease loss provision to assets0.2240%4,254
Net operating income to assets2.1575%270
Return on assets (ROA)2.1093%317
Pretax return on assets2.1093%500
Return on Equity (ROE)19.9568%386
Retained earnings to average equity (ytd only)8.3153%1,587
Net charge-offs to loans0.1000%4,419
Credit loss provision to net charge-offs342.1053%1,179
Earnings coverage of net charge-offs (x)36.3684%754
Efficiency ratio47.8097%7,451
Assets per employee ($millions)5.9036%1,334
Cash dividends to net income (ytd only)*58.3333%1,284
Condition Ratios (%)
Loss allowance to loans0.9839%6,547
Loan loss allowance to noncurrent loans41.8241%5,564
Noncurrent assets plus other real estate owned to assets1.5889%4,118
Noncurrent loans to loans2.3525%3,325
Net loans and leases to total assets66.0546%3,837
Net loans and leases to deposits74.1165%4,720
Net loans and leases to core deposits82.1003%4,477
Total domestic deposits to total assets89.1227%1,456
Equity capital to assets10.4953%3,247
Core capital (leverage) ratio9.6891%3,531
Tier 1 risk-based capital ratio12.6981%4,564
Total risk-based capital ratio13.5699%4,843
Memoranda:
Average total assets$116,058,0004,721
Average earning assets$109,736,5004,621
Average equity$12,266,5004,643
Average total loans$76,019,5004,636
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3207%982
Cost of funding earning assets2.4657%1,104
Net interest margin3.8550%3,460
Noninterest income to average assets0.7222%2,838
Noninterest expense to average assets2.0985%7,192
Loan and lease loss provision to assets0.8515%2,607
Net operating income to assets1.3848%878
Return on assets (ROA)1.6705%500
Pretax return on assets1.6705%833
Return on Equity (ROE)15.6941%582
Retained earnings to average equity (ytd only)6.9946%959
Net charge-offs to loans1.0448%2,319
Credit loss provision to net charge-offs134.5588%3,690
Earnings coverage of net charge-offs (x)3.5338%3,304
Efficiency ratio48.4113%7,615
Assets per employee ($millions)5.7022%1,465
Cash dividends to net income (ytd only)*55.4318%2,219
Condition Ratios (%)
Loss allowance to loans0.9949%6,422
Loan loss allowance to noncurrent loans49.8632%5,057
Noncurrent assets plus other real estate owned to assets1.3021%4,479
Noncurrent loans to loans1.9953%3,653
Net loans and leases to total assets63.6097%4,676
Net loans and leases to deposits71.5612%5,396
Net loans and leases to core deposits132.0693%1,167
Total domestic deposits to total assets88.8885%1,529
Equity capital to assets10.6459%3,028
Core capital (leverage) ratio9.9237%3,167
Tier 1 risk-based capital ratio9.7050%7,097
Total risk-based capital ratio10.3462%7,449
Memoranda:
Average total assets$107,456,0004,892
Average earning assets$100,700,2004,827
Average equity$11,437,4004,900
Average total loans$65,086,8005,062
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4398%856
Cost of funding earning assets2.5319%1,203
Net interest margin3.9078%3,213
Noninterest income to average assets0.7057%2,981
Noninterest expense to average assets2.0036%7,374
Loan and lease loss provision to assets0.8821%2,182
Net operating income to assets1.4705%874
Return on assets (ROA)1.6255%682
Pretax return on assets1.6255%1,125
Return on Equity (ROE)15.2729%738
Retained earnings to average equity (ytd only)3.4926%3,336
Net charge-offs to loans1.1167%1,795
Credit loss provision to net charge-offs132.5758%3,773
Earnings coverage of net charge-offs (x)3.5360%3,490
Efficiency ratio45.9936%7,770
Assets per employee ($millions)5.6213%1,499
Cash dividends to net income (ytd only)*77.1314%1,046
Condition Ratios (%)
Loss allowance to loans0.9878%6,369
Loan loss allowance to noncurrent loans42.0189%5,523
Noncurrent assets plus other real estate owned to assets1.4472%4,215
Noncurrent loans to loans2.3509%3,203
Net loans and leases to total assets59.3774%5,682
Net loans and leases to deposits66.5839%6,250
Net loans and leases to core deposits120.7318%2,182
Total domestic deposits to total assets89.1768%1,115
Equity capital to assets10.3055%3,727
Core capital (leverage) ratio9.6450%3,722
Tier 1 risk-based capital ratio9.3962%7,438
Total risk-based capital ratio9.9905%7,737
Memoranda:
Average total assets$105,809,0004,959
Average earning assets$98,841,7504,894
Average equity$11,261,5004,998
Average total loans$63,040,5005,167
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6645%579
Cost of funding earning assets2.6031%1,274
Net interest margin4.0614%2,465
Noninterest income to average assets0.6950%3,019
Noninterest expense to average assets2.0154%7,437
Loan and lease loss provision to assets0.6757%2,405
Net operating income to assets1.8050%458
Return on assets (ROA)2.0424%291
Pretax return on assets2.0424%507
Return on Equity (ROE)18.9719%403
Retained earnings to average equity (ytd only)3.1919%3,537
Net charge-offs to loans0.5943%2,559
Credit loss provision to net charge-offs191.2568%2,392
Earnings coverage of net charge-offs (x)7.0219%2,506
Efficiency ratio44.8261%7,894
Assets per employee ($millions)6.0471%1,187
Cash dividends to net income (ytd only)*83.1758%1,025
Condition Ratios (%)
Loss allowance to loans0.9943%6,295
Loan loss allowance to noncurrent loans48.9978%5,078
Noncurrent assets plus other real estate owned to assets1.2761%4,384
Noncurrent loans to loans2.0293%3,474
Net loans and leases to total assets60.3769%5,616
Net loans and leases to deposits67.7467%6,222
Net loans and leases to core deposits120.8270%2,290
Total domestic deposits to total assets89.1215%1,204
Equity capital to assets10.3153%3,603
Core capital (leverage) ratio9.6912%3,642
Tier 1 risk-based capital ratio14.4327%3,287
Total risk-based capital ratio15.3465%3,401
Memoranda:
Average total assets$103,603,6705,057
Average earning assets$96,961,3304,974
Average equity$11,153,3305,042
Average total loans$61,580,3305,265
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6703%612
Cost of funding earning assets2.5785%1,627
Net interest margin4.0918%2,306
Noninterest income to average assets0.6774%3,019
Noninterest expense to average assets2.2222%6,798
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets2.2895%197
Return on assets (ROA)2.5708%142
Pretax return on assets2.5708%225
Return on Equity (ROE)23.3537%243
Retained earnings to average equity (ytd only)10.7233%1,028
Net charge-offs to loans0.0608%4,610
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)64.2222%617
Efficiency ratio49.2537%7,649
Assets per employee ($millions)7.0141%766
Cash dividends to net income (ytd only)*54.0832%1,631
Condition Ratios (%)
Loss allowance to loans0.7669%7,260
Loan loss allowance to noncurrent loans71.4919%4,024
Noncurrent assets plus other real estate owned to assets0.6834%5,449
Noncurrent loans to loans1.0727%4,837
Net loans and leases to total assets59.5246%5,731
Net loans and leases to deposits67.8788%6,198
Net loans and leases to core deposits116.1717%2,788
Total domestic deposits to total assets87.6925%1,890
Equity capital to assets10.8049%3,180
Core capital (leverage) ratio10.4954%2,935
Tier 1 risk-based capital ratio15.3830%2,901
Total risk-based capital ratio16.0898%3,065
Memoranda:
Average total assets$100,981,5005,154
Average earning assets$94,628,0005,070
Average equity$11,116,0005,072
Average total loans$59,181,0005,396
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9557%1,247
Cost of funding earning assets3.1310%1,410
Net interest margin3.8247%3,917
Noninterest income to average assets0.8413%2,288
Noninterest expense to average assets2.2447%6,851
Loan and lease loss provision to assets0.3491%3,606
Net operating income to assets1.8665%468
Return on assets (ROA)1.8607%463
Pretax return on assets1.8607%834
Return on Equity (ROE)16.0507%767
Retained earnings to average equity (ytd only)8.2512%764
Net charge-offs to loans0.4711%2,476
Credit loss provision to net charge-offs129.3103%4,125
Earnings coverage of net charge-offs (x)8.2069%2,923
Efficiency ratio50.3261%7,642
Assets per employee ($millions)6.4501%907
Cash dividends to net income (ytd only)*48.5929%3,201
Condition Ratios (%)
Loss allowance to loans0.8941%6,710
Loan loss allowance to noncurrent loans64.3229%4,793
Noncurrent assets plus other real estate owned to assets0.7938%4,869
Noncurrent loans to loans1.3900%3,735
Net loans and leases to total assets56.5958%6,373
Net loans and leases to deposits64.2025%6,775
Net loans and leases to core deposits106.9118%4,088
Total domestic deposits to total assets88.1521%1,406
Equity capital to assets11.2288%2,862
Core capital (leverage) ratio10.8751%2,689
Tier 1 risk-based capital ratio16.6518%2,434
Total risk-based capital ratio17.4555%2,521
Memoranda:
Average total assets$85,937,6005,483
Average earning assets$81,314,6005,394
Average equity$9,962,2005,423
Average total loans$49,242,6005,735