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First United Bank and Trust Company, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2500%1,574
Cost of funding earning assets2.1656%685
Net interest margin3.0845%3,126
Noninterest income to average assets0.5900%1,571
Noninterest expense to average assets2.5867%2,049
Loan and lease loss provision to assets0.0500%2,105
Net operating income to assets0.8629%2,659
Return on assets (ROA)0.8414%2,716
Pretax return on assets0.8414%3,111
Return on Equity (ROE)19.7900%631
Retained earnings to average equity (ytd only)7.2198%1,822
Net charge-offs to loans-0.0057%3,857
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio72.7471%1,581
Assets per employee ($millions)5.5225%3,231
Cash dividends to net income (ytd only)*63.5135%1,064
Condition Ratios (%)
Loss allowance to loans1.1256%2,690
Loan loss allowance to noncurrent loans974.8815%916
Noncurrent assets plus other real estate owned to assets0.0757%3,043
Noncurrent loans to loans0.1155%2,947
Net loans and leases to total assets64.7900%2,389
Net loans and leases to deposits71.7552%2,761
Net loans and leases to core deposits75.1393%3,021
Total domestic deposits to total assets90.3000%678
Equity capital to assets4.3898%4,479
Core capital (leverage) ratio9.0653%3,690
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$536,466,4001,653
Average earning assets$505,274,2001,618
Average equity$22,812,4002,643
Average total loans$353,530,6001,602
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1784%1,498
Cost of funding earning assets2.0953%597
Net interest margin3.0831%3,169
Noninterest income to average assets0.5800%1,600
Noninterest expense to average assets2.5698%2,030
Loan and lease loss provision to assets0.0500%1,947
Net operating income to assets0.8608%2,827
Return on assets (ROA)0.8608%2,807
Pretax return on assets0.8608%3,193
Return on Equity (ROE)20.4200%686
Retained earnings to average equity (ytd only)8.2460%1,873
Net charge-offs to loans-0.0080%3,870
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio72.6446%1,494
Assets per employee ($millions)5.5514%3,143
Cash dividends to net income (ytd only)*59.6092%950
Condition Ratios (%)
Loss allowance to loans1.1370%2,689
Loan loss allowance to noncurrent loans1,144.6328%797
Noncurrent assets plus other real estate owned to assets0.0678%3,155
Noncurrent loans to loans0.0993%3,081
Net loans and leases to total assets67.5200%2,108
Net loans and leases to deposits72.1209%2,702
Net loans and leases to core deposits74.6265%2,954
Total domestic deposits to total assets93.6200%223
Equity capital to assets3.5027%4,455
Core capital (leverage) ratio9.0691%3,712
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$531,139,2501,663
Average earning assets$499,910,2501,635
Average equity$22,394,2502,657
Average total loans$350,537,2501,611
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9770%1,601
Cost of funding earning assets1.9622%539
Net interest margin3.0147%3,392
Noninterest income to average assets0.5600%1,626
Noninterest expense to average assets2.5408%2,095
Loan and lease loss provision to assets0.0500%1,895
Net operating income to assets0.8131%3,041
Return on assets (ROA)0.8131%3,051
Pretax return on assets0.8131%3,377
Return on Equity (ROE)18.2800%917
Retained earnings to average equity (ytd only)9.8374%1,453
Net charge-offs to loans-0.0040%3,661
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio73.4420%1,408
Assets per employee ($millions)5.6122%3,051
Cash dividends to net income (ytd only)*46.1786%1,448
Condition Ratios (%)
Loss allowance to loans1.1249%2,820
Loan loss allowance to noncurrent loans1,006.5823%954
Noncurrent assets plus other real estate owned to assets0.0726%3,046
Noncurrent loans to loans0.1118%2,924
Net loans and leases to total assets64.2000%2,359
Net loans and leases to deposits69.1401%2,845
Net loans and leases to core deposits71.2279%3,052
Total domestic deposits to total assets92.8500%274
Equity capital to assets4.1769%4,489
Core capital (leverage) ratio8.9457%3,816
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$534,243,3331,653
Average earning assets$502,995,3331,624
Average equity$23,766,3332,579
Average total loans$348,586,3331,606
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7838%1,663
Cost of funding earning assets1.8514%406
Net interest margin2.9325%3,733
Noninterest income to average assets0.5500%1,626
Noninterest expense to average assets2.5209%2,193
Loan and lease loss provision to assets0.0500%1,764
Net operating income to assets0.7393%3,373
Return on assets (ROA)0.7393%3,331
Pretax return on assets0.7393%3,589
Return on Equity (ROE)16.1100%1,336
Retained earnings to average equity (ytd only)10.8070%1,511
Net charge-offs to loans-0.0058%3,685
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio74.9200%1,254
Assets per employee ($millions)5.5463%3,173
Cash dividends to net income (ytd only)*32.9243%1,653
Condition Ratios (%)
Loss allowance to loans1.1312%2,898
Loan loss allowance to noncurrent loans1,063.0435%943
Noncurrent assets plus other real estate owned to assets0.0677%3,123
Noncurrent loans to loans0.1064%3,000
Net loans and leases to total assets62.9000%2,369
Net loans and leases to deposits69.1963%2,680
Net loans and leases to core deposits71.5264%2,852
Total domestic deposits to total assets90.9100%827
Equity capital to assets4.6423%4,472
Core capital (leverage) ratio9.0498%3,695
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$529,175,5001,686
Average earning assets$498,012,5001,658
Average equity$24,280,5002,581
Average total loans$346,146,0001,629
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0708%1,540
Cost of funding earning assets0.7114%559
Net interest margin3.3594%2,384
Noninterest income to average assets0.6000%1,644
Noninterest expense to average assets2.6280%1,743
Loan and lease loss provision to assets0.0500%1,921
Net operating income to assets1.0910%2,219
Return on assets (ROA)1.0926%2,150
Pretax return on assets1.0926%2,795
Return on Equity (ROE)17.5100%782
Retained earnings to average equity (ytd only)6.7964%2,322
Net charge-offs to loans0.0082%2,081
Credit loss provision to net charge-offs953.8462%448
Earnings coverage of net charge-offs (x)217.8462%613
Efficiency ratio68.4768%1,904
Assets per employee ($millions)5.3073%3,412
Cash dividends to net income (ytd only)*61.1910%915
Condition Ratios (%)
Loss allowance to loans1.1101%2,849
Loan loss allowance to noncurrent loans1,053.6986%957
Noncurrent assets plus other real estate owned to assets0.0709%3,081
Noncurrent loans to loans0.1053%3,014
Net loans and leases to total assets66.5500%1,972
Net loans and leases to deposits70.3683%2,550
Net loans and leases to core deposits72.0198%2,724
Total domestic deposits to total assets94.5800%189
Equity capital to assets4.5314%4,458
Core capital (leverage) ratio9.1258%3,562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$496,427,6001,728
Average earning assets$467,823,4001,706
Average equity$30,972,2002,296
Average total loans$317,091,4001,650
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8693%1,552
Cost of funding earning assets0.4475%989
Net interest margin3.4218%1,910
Noninterest income to average assets0.6200%1,634
Noninterest expense to average assets2.6149%1,682
Loan and lease loss provision to assets0.0500%1,750
Net operating income to assets1.1857%1,752
Return on assets (ROA)1.1879%1,720
Pretax return on assets1.1879%2,414
Return on Equity (ROE)17.7700%674
Retained earnings to average equity (ytd only)8.8229%1,718
Net charge-offs to loans-0.0099%3,712
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio66.6737%2,196
Assets per employee ($millions)5.0590%3,624
Cash dividends to net income (ytd only)*50.3423%1,184
Condition Ratios (%)
Loss allowance to loans1.1326%2,868
Loan loss allowance to noncurrent loans517.1390%1,555
Noncurrent assets plus other real estate owned to assets0.1495%2,564
Noncurrent loans to loans0.2190%2,518
Net loans and leases to total assets67.4700%1,734
Net loans and leases to deposits72.8068%2,144
Net loans and leases to core deposits74.2800%2,328
Total domestic deposits to total assets92.6700%667
Equity capital to assets4.7503%4,338
Core capital (leverage) ratio9.5190%3,051
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$491,832,2501,747
Average earning assets$463,878,2501,730
Average equity$32,883,2502,237
Average total loans$309,748,0001,673
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6619%1,647
Cost of funding earning assets0.2662%2,069
Net interest margin3.3957%1,620
Noninterest income to average assets0.6161%1,673
Noninterest expense to average assets2.5867%1,679
Loan and lease loss provision to assets0.0502%1,683
Net operating income to assets1.1832%1,488
Return on assets (ROA)1.1865%1,451
Pretax return on assets1.1865%2,122
Return on Equity (ROE)16.1694%675
Retained earnings to average equity (ytd only)7.1845%1,926
Net charge-offs to loans-0.0120%3,654
Credit loss provision to net charge-offs-683.3333%3,449
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4639%2,448
Assets per employee ($millions)5.2563%3,468
Cash dividends to net income (ytd only)*55.5670%1,186
Condition Ratios (%)
Loss allowance to loans1.1914%2,731
Loan loss allowance to noncurrent loans567.0181%1,415
Noncurrent assets plus other real estate owned to assets0.1358%2,762
Noncurrent loans to loans0.2101%2,664
Net loans and leases to total assets63.8783%1,926
Net loans and leases to deposits68.3149%2,362
Net loans and leases to core deposits69.1321%2,555
Total domestic deposits to total assets93.5056%390
Equity capital to assets5.5952%4,333
Core capital (leverage) ratio9.4143%2,999
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$490,515,3331,760
Average earning assets$462,821,6671,742
Average equity$35,994,0002,156
Average total loans$300,220,0001,700
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4532%1,941
Cost of funding earning assets0.2123%2,636
Net interest margin3.2409%1,749
Noninterest income to average assets0.5869%1,751
Noninterest expense to average assets2.5570%1,728
Loan and lease loss provision to assets0.0497%1,481
Net operating income to assets1.0379%1,732
Return on assets (ROA)1.0379%1,729
Pretax return on assets1.0379%2,330
Return on Equity (ROE)12.6502%1,119
Retained earnings to average equity (ytd only)9.0189%1,268
Net charge-offs to loans-0.0096%3,569
Credit loss provision to net charge-offs-871.4286%3,246
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8631%2,388
Assets per employee ($millions)5.4090%3,384
Cash dividends to net income (ytd only)*28.7059%1,786
Condition Ratios (%)
Loss allowance to loans1.2708%2,496
Loan loss allowance to noncurrent loans523.6879%1,449
Noncurrent assets plus other real estate owned to assets0.1432%2,790
Noncurrent loans to loans0.2427%2,624
Net loans and leases to total assets58.2745%2,268
Net loans and leases to deposits65.0503%2,426
Net loans and leases to core deposits65.9178%2,634
Total domestic deposits to total assets89.5837%1,775
Equity capital to assets7.3900%3,995
Core capital (leverage) ratio9.2222%3,114
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$491,356,5001,758
Average earning assets$463,570,5001,748
Average equity$40,315,5002,042
Average total loans$292,318,5001,727
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3396%796
Cost of funding earning assets0.2807%2,595
Net interest margin4.0589%634
Noninterest income to average assets0.6964%1,780
Noninterest expense to average assets2.7689%1,435
Loan and lease loss provision to assets0.1112%1,135
Net operating income to assets1.6290%741
Return on assets (ROA)1.6290%782
Pretax return on assets1.6290%1,344
Return on Equity (ROE)16.3529%700
Retained earnings to average equity (ytd only)6.6142%2,072
Net charge-offs to loans0.0162%1,978
Credit loss provision to net charge-offs1,037.5000%520
Earnings coverage of net charge-offs (x)162.3750%621
Efficiency ratio60.2476%3,111
Assets per employee ($millions)5.3900%3,365
Cash dividends to net income (ytd only)*59.5532%1,109
Condition Ratios (%)
Loss allowance to loans1.2322%2,724
Loan loss allowance to noncurrent loans481.2749%1,475
Noncurrent assets plus other real estate owned to assets0.1535%2,866
Noncurrent loans to loans0.2560%2,698
Net loans and leases to total assets59.2225%2,241
Net loans and leases to deposits67.2400%2,384
Net loans and leases to core deposits68.7710%2,576
Total domestic deposits to total assets88.0763%2,008
Equity capital to assets9.0227%3,598
Core capital (leverage) ratio9.3094%3,057
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$447,868,4001,845
Average earning assets$420,709,0001,835
Average equity$44,616,0001,934
Average total loans$295,503,2001,721
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6016%569
Cost of funding earning assets0.3029%2,567
Net interest margin4.2987%454
Noninterest income to average assets0.7112%1,789
Noninterest expense to average assets2.8004%1,339
Loan and lease loss provision to assets0.0869%1,366
Net operating income to assets1.8569%604
Return on assets (ROA)1.8569%626
Pretax return on assets1.8569%1,033
Return on Equity (ROE)18.1597%611
Retained earnings to average equity (ytd only)9.4332%1,522
Net charge-offs to loans0.0005%2,441
Credit loss provision to net charge-offs28,500.0000%24
Earnings coverage of net charge-offs (x)6,374.0000%17
Efficiency ratio57.9032%3,273
Assets per employee ($millions)4.9037%3,793
Cash dividends to net income (ytd only)*48.0539%1,277
Condition Ratios (%)
Loss allowance to loans1.2125%2,936
Loan loss allowance to noncurrent loans726.4706%1,019
Noncurrent assets plus other real estate owned to assets0.1022%3,422
Noncurrent loans to loans0.1669%3,286
Net loans and leases to total assets60.4772%2,198
Net loans and leases to deposits69.4599%2,289
Net loans and leases to core deposits71.0497%2,508
Total domestic deposits to total assets87.0679%2,332
Equity capital to assets9.8884%3,010
Core capital (leverage) ratio9.7927%2,724
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$437,212,0001,897
Average earning assets$410,192,7501,885
Average equity$44,706,0001,958
Average total loans$295,852,2501,757
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3511%922
Cost of funding earning assets0.3432%2,374
Net interest margin4.0080%807
Noninterest income to average assets0.7015%1,804
Noninterest expense to average assets2.8031%1,350
Loan and lease loss provision to assets0.1043%1,208
Net operating income to assets1.5517%1,166
Return on assets (ROA)1.5517%1,221
Pretax return on assets1.5517%1,865
Return on Equity (ROE)14.9956%1,158
Retained earnings to average equity (ytd only)7.6650%2,202
Net charge-offs to loans0.0027%2,100
Credit loss provision to net charge-offs5,575.0000%119
Earnings coverage of net charge-offs (x)885.2500%153
Efficiency ratio61.6361%2,777
Assets per employee ($millions)4.6690%3,959
Cash dividends to net income (ytd only)*48.8849%1,277
Condition Ratios (%)
Loss allowance to loans1.1408%3,243
Loan loss allowance to noncurrent loans413.2765%1,469
Noncurrent assets plus other real estate owned to assets0.1832%3,044
Noncurrent loans to loans0.2760%2,948
Net loans and leases to total assets65.5979%1,746
Net loans and leases to deposits75.6119%1,857
Net loans and leases to core deposits77.3661%2,106
Total domestic deposits to total assets86.7561%2,443
Equity capital to assets9.9777%2,870
Core capital (leverage) ratio9.6977%2,699
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$427,666,6671,918
Average earning assets$400,952,3331,908
Average equity$44,253,0001,961
Average total loans$299,406,3331,750
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2956%1,047
Cost of funding earning assets0.3546%2,489
Net interest margin3.9409%924
Noninterest income to average assets0.6613%1,992
Noninterest expense to average assets2.7773%1,413
Loan and lease loss provision to assets0.1543%834
Net operating income to assets1.4250%1,511
Return on assets (ROA)1.4250%1,582
Pretax return on assets1.4250%2,210
Return on Equity (ROE)13.5125%1,537
Retained earnings to average equity (ytd only)10.6773%1,475
Net charge-offs to loans0.0053%1,714
Credit loss provision to net charge-offs4,025.0000%138
Earnings coverage of net charge-offs (x)412.0000%225
Efficiency ratio62.4725%2,677
Assets per employee ($millions)4.7542%3,880
Cash dividends to net income (ytd only)*20.9818%1,981
Condition Ratios (%)
Loss allowance to loans1.1095%3,385
Loan loss allowance to noncurrent loans407.7111%1,373
Noncurrent assets plus other real estate owned to assets0.1868%3,229
Noncurrent loans to loans0.2721%3,132
Net loans and leases to total assets67.8812%1,547
Net loans and leases to deposits78.1294%1,706
Net loans and leases to core deposits80.0443%1,999
Total domestic deposits to total assets86.8831%2,355
Equity capital to assets10.0878%2,626
Core capital (leverage) ratio10.2767%2,267
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$417,390,0001,940
Average earning assets$391,381,5001,933
Average equity$44,018,5001,950
Average total loans$300,401,5001,748
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6986%895
Cost of funding earning assets0.4930%2,994
Net interest margin4.2056%628
Noninterest income to average assets0.7254%1,765
Noninterest expense to average assets3.0903%1,252
Loan and lease loss provision to assets0.1275%2,766
Net operating income to assets1.4194%981
Return on assets (ROA)1.4055%1,092
Pretax return on assets1.4055%1,642
Return on Equity (ROE)11.9870%1,323
Retained earnings to average equity (ytd only)3.9087%2,869
Net charge-offs to loans-0.0292%4,526
Credit loss provision to net charge-offs-562.6506%3,944
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2630%2,640
Assets per employee ($millions)4.5677%3,847
Cash dividends to net income (ytd only)*67.3921%1,062
Condition Ratios (%)
Loss allowance to loans1.0560%3,655
Loan loss allowance to noncurrent loans514.4246%1,103
Noncurrent assets plus other real estate owned to assets0.1553%3,501
Noncurrent loans to loans0.2053%3,472
Net loans and leases to total assets74.8364%921
Net loans and leases to deposits87.8447%1,102
Net loans and leases to core deposits90.4078%1,495
Total domestic deposits to total assets85.1917%2,688
Equity capital to assets11.0506%2,210
Core capital (leverage) ratio10.7258%1,987
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$366,143,4001,980
Average earning assets$340,567,0001,980
Average equity$42,930,0001,910
Average total loans$284,238,0001,747
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7618%944
Cost of funding earning assets0.5410%2,985
Net interest margin4.2208%701
Noninterest income to average assets0.7289%1,708
Noninterest expense to average assets3.1043%1,231
Loan and lease loss provision to assets0.1183%2,843
Net operating income to assets1.4251%1,045
Return on assets (ROA)1.4061%1,180
Pretax return on assets1.4061%1,712
Return on Equity (ROE)11.8043%1,430
Retained earnings to average equity (ytd only)4.6168%2,735
Net charge-offs to loans-0.0071%4,145
Credit loss provision to net charge-offs-2,120.0000%4,089
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3911%2,536
Assets per employee ($millions)4.7022%3,594
Cash dividends to net income (ytd only)*60.8891%1,104
Condition Ratios (%)
Loss allowance to loans0.9776%3,791
Loan loss allowance to noncurrent loans240.2112%1,914
Noncurrent assets plus other real estate owned to assets0.3232%2,851
Noncurrent loans to loans0.4070%2,835
Net loans and leases to total assets78.6364%755
Net loans and leases to deposits97.4073%667
Net loans and leases to core deposits100.5388%1,123
Total domestic deposits to total assets80.7295%3,715
Equity capital to assets11.5028%2,002
Core capital (leverage) ratio11.2774%1,716
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$358,331,5001,984
Average earning assets$332,695,2501,992
Average equity$42,684,0001,904
Average total loans$280,155,7501,762
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8106%1,145
Cost of funding earning assets0.6194%2,867
Net interest margin4.1912%940
Noninterest income to average assets0.7149%1,688
Noninterest expense to average assets3.1635%1,219
Loan and lease loss provision to assets0.1112%2,900
Net operating income to assets1.3249%1,294
Return on assets (ROA)1.3255%1,390
Pretax return on assets1.3255%1,946
Return on Equity (ROE)10.9908%1,635
Retained earnings to average equity (ytd only)6.2872%1,945
Net charge-offs to loans0.0007%3,014
Credit loss provision to net charge-offs19,500.0000%60
Earnings coverage of net charge-offs (x)2,519.0000%31
Efficiency ratio67.3277%2,330
Assets per employee ($millions)4.4881%3,800
Cash dividends to net income (ytd only)*42.7957%1,835
Condition Ratios (%)
Loss allowance to loans0.9463%3,813
Loan loss allowance to noncurrent loans224.7209%1,965
Noncurrent assets plus other real estate owned to assets0.3487%2,896
Noncurrent loans to loans0.4211%2,899
Net loans and leases to total assets79.1818%697
Net loans and leases to deposits98.2813%638
Net loans and leases to core deposits101.3678%1,158
Total domestic deposits to total assets80.5665%3,712
Equity capital to assets11.7366%1,814
Core capital (leverage) ratio11.3057%1,761
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$350,814,6671,995
Average earning assets$325,153,6671,999
Average equity$42,308,0001,910
Average total loans$272,718,0001,778
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9080%1,175
Cost of funding earning assets0.7846%2,479
Net interest margin4.1235%1,088
Noninterest income to average assets0.7436%1,481
Noninterest expense to average assets3.2015%1,420
Loan and lease loss provision to assets0.0977%2,460
Net operating income to assets1.2660%1,341
Return on assets (ROA)1.2660%1,434
Pretax return on assets1.2660%1,976
Return on Equity (ROE)10.3457%1,628
Retained earnings to average equity (ytd only)10.1534%717
Net charge-offs to loans-0.0046%3,845
Credit loss provision to net charge-offs-2,766.6667%3,770
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6340%2,569
Assets per employee ($millions)4.0512%3,854
Cash dividends to net income (ytd only)*1.8587%2,567
Condition Ratios (%)
Loss allowance to loans1.0156%3,624
Loan loss allowance to noncurrent loans195.8092%2,099
Noncurrent assets plus other real estate owned to assets0.4199%2,785
Noncurrent loans to loans0.5186%2,710
Net loans and leases to total assets77.6180%1,037
Net loans and leases to deposits98.2590%683
Net loans and leases to core deposits101.6819%1,349
Total domestic deposits to total assets78.9932%4,054
Equity capital to assets12.2802%1,864
Core capital (leverage) ratio12.3317%1,546
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$339,966,5001,998
Average earning assets$315,074,5002,000
Average equity$41,602,0001,925
Average total loans$260,187,5001,807
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8984%1,749
Cost of funding earning assets0.9482%1,969
Net interest margin3.9501%1,997
Noninterest income to average assets0.7908%1,475
Noninterest expense to average assets3.0831%1,801
Loan and lease loss provision to assets0.1079%1,926
Net operating income to assets1.2571%1,842
Return on assets (ROA)1.2670%1,898
Pretax return on assets1.2670%2,622
Return on Equity (ROE)10.3849%2,125
Retained earnings to average equity (ytd only)2.7024%3,687
Net charge-offs to loans0.1119%1,612
Credit loss provision to net charge-offs131.1355%1,945
Earnings coverage of net charge-offs (x)16.5897%2,155
Efficiency ratio67.7282%2,498
Assets per employee ($millions)4.2454%3,586
Cash dividends to net income (ytd only)*73.9772%993
Condition Ratios (%)
Loss allowance to loans1.0350%3,298
Loan loss allowance to noncurrent loans296.4972%1,534
Noncurrent assets plus other real estate owned to assets0.2738%3,334
Noncurrent loans to loans0.3491%3,196
Net loans and leases to total assets73.8759%1,775
Net loans and leases to deposits94.6861%1,090
Net loans and leases to core deposits97.9462%1,733
Total domestic deposits to total assets78.0219%4,355
Equity capital to assets12.1939%2,019
Core capital (leverage) ratio12.3597%1,561
Tier 1 risk-based capital ratio15.5270%2,574
Total risk-based capital ratio16.5571%2,582
Memoranda:
Average total assets$331,807,6001,973
Average earning assets$307,204,6001,985
Average equity$40,482,0001,912
Average total loans$243,993,4001,862
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9261%1,742
Cost of funding earning assets0.9746%1,871
Net interest margin3.9515%2,099
Noninterest income to average assets0.7910%1,447
Noninterest expense to average assets3.0870%1,740
Loan and lease loss provision to assets0.1184%1,647
Net operating income to assets1.2405%2,049
Return on assets (ROA)1.2571%2,076
Pretax return on assets1.2571%2,791
Return on Equity (ROE)10.3023%2,302
Retained earnings to average equity (ytd only)4.0050%3,394
Net charge-offs to loans-0.0116%4,423
Credit loss provision to net charge-offs-1,395.2381%4,474
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8425%2,445
Assets per employee ($millions)4.0949%3,767
Cash dividends to net income (ytd only)*61.1254%1,239
Condition Ratios (%)
Loss allowance to loans1.1462%2,791
Loan loss allowance to noncurrent loans230.2663%1,879
Noncurrent assets plus other real estate owned to assets0.3985%2,916
Noncurrent loans to loans0.4978%2,801
Net loans and leases to total assets76.0618%1,469
Net loans and leases to deposits96.7711%920
Net loans and leases to core deposits100.2383%1,642
Total domestic deposits to total assets78.5997%4,250
Equity capital to assets12.8654%1,702
Core capital (leverage) ratio12.3860%1,632
Tier 1 risk-based capital ratio16.1105%2,385
Total risk-based capital ratio17.2709%2,361
Memoranda:
Average total assets$329,852,2501,995
Average earning assets$305,089,7502,001
Average equity$40,249,0001,926
Average total loans$241,609,7501,884
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8384%1,941
Cost of funding earning assets0.9660%1,838
Net interest margin3.8724%2,335
Noninterest income to average assets0.7820%1,404
Noninterest expense to average assets3.0635%1,828
Loan and lease loss provision to assets0.1374%1,348
Net operating income to assets1.1700%2,259
Return on assets (ROA)1.1893%2,250
Pretax return on assets1.1893%2,942
Return on Equity (ROE)9.9215%2,429
Retained earnings to average equity (ytd only)2.3723%3,995
Net charge-offs to loans-0.0125%4,394
Credit loss provision to net charge-offs-1,520.0000%4,341
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.4769%2,451
Assets per employee ($millions)4.3360%3,389
Cash dividends to net income (ytd only)*76.0892%920
Condition Ratios (%)
Loss allowance to loans1.1346%2,878
Loan loss allowance to noncurrent loans166.0896%2,463
Noncurrent assets plus other real estate owned to assets0.5167%2,489
Noncurrent loans to loans0.6831%2,269
Net loans and leases to total assets72.6048%2,133
Net loans and leases to deposits93.5017%1,309
Net loans and leases to core deposits96.8741%1,993
Total domestic deposits to total assets77.6507%4,459
Equity capital to assets12.2424%2,027
Core capital (leverage) ratio12.1049%1,754
Tier 1 risk-based capital ratio15.5172%2,623
Total risk-based capital ratio16.6294%2,600
Memoranda:
Average total assets$331,971,3301,997
Average earning assets$307,665,0001,996
Average equity$39,792,3301,946
Average total loans$239,176,6701,905
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7888%1,934
Cost of funding earning assets0.9625%1,735
Net interest margin3.8264%2,430
Noninterest income to average assets0.7589%1,404
Noninterest expense to average assets3.0463%1,858
Loan and lease loss provision to assets0.1378%1,256
Net operating income to assets1.1153%2,410
Return on assets (ROA)1.1407%2,358
Pretax return on assets1.1407%3,007
Return on Equity (ROE)9.6200%2,536
Retained earnings to average equity (ytd only)2.5477%3,909
Net charge-offs to loans-0.0068%4,100
Credit loss provision to net charge-offs-2,850.0000%4,124
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.2243%2,469
Assets per employee ($millions)4.0886%3,796
Cash dividends to net income (ytd only)*73.5169%1,045
Condition Ratios (%)
Loss allowance to loans1.1168%3,033
Loan loss allowance to noncurrent loans165.9588%2,493
Noncurrent assets plus other real estate owned to assets0.5111%2,582
Noncurrent loans to loans0.6729%2,333
Net loans and leases to total assets72.8343%2,017
Net loans and leases to deposits89.2250%1,725
Net loans and leases to core deposits94.7917%2,049
Total domestic deposits to total assets81.6299%3,821
Equity capital to assets12.2788%1,855
Core capital (leverage) ratio11.7667%1,929
Tier 1 risk-based capital ratio15.8816%2,495
Total risk-based capital ratio16.9768%2,478
Memoranda:
Average total assets$331,021,0002,018
Average earning assets$306,295,5002,018
Average equity$39,251,5001,954
Average total loans$236,170,5001,949
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7165%1,767
Cost of funding earning assets0.5944%2,769
Net interest margin4.1221%1,609
Noninterest income to average assets0.8665%1,275
Noninterest expense to average assets3.1700%1,630
Loan and lease loss provision to assets0.0880%2,385
Net operating income to assets1.4218%1,357
Return on assets (ROA)1.4273%1,337
Pretax return on assets1.4273%2,050
Return on Equity (ROE)11.0851%2,052
Retained earnings to average equity (ytd only)-1.0776%5,088
Net charge-offs to loans0.0804%1,986
Credit loss provision to net charge-offs160.0000%1,736
Earnings coverage of net charge-offs (x)27.4588%1,688
Efficiency ratio66.1207%2,858
Assets per employee ($millions)4.2916%3,473
Cash dividends to net income (ytd only)*109.7213%193
Condition Ratios (%)
Loss allowance to loans1.0831%3,207
Loan loss allowance to noncurrent loans42,316.6667%24
Noncurrent assets plus other real estate owned to assets0.0195%4,783
Noncurrent loans to loans0.0026%4,817
Net loans and leases to total assets68.3957%2,822
Net loans and leases to deposits91.2629%1,636
Net loans and leases to core deposits96.7220%1,992
Total domestic deposits to total assets74.9436%4,876
Equity capital to assets11.4565%2,284
Core capital (leverage) ratio11.9489%1,772
Tier 1 risk-based capital ratio15.6541%2,550
Total risk-based capital ratio16.6939%2,564
Memoranda:
Average total assets$309,175,6002,095
Average earning assets$286,019,6002,096
Average equity$39,810,2001,875
Average total loans$211,538,8002,085
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6967%1,686
Cost of funding earning assets0.5315%2,984
Net interest margin4.1652%1,453
Noninterest income to average assets0.9139%1,159
Noninterest expense to average assets3.1787%1,578
Loan and lease loss provision to assets0.0402%3,201
Net operating income to assets1.5463%1,072
Return on assets (ROA)1.5454%1,078
Pretax return on assets1.5454%1,747
Return on Equity (ROE)11.6412%1,934
Retained earnings to average equity (ytd only)4.8136%3,338
Net charge-offs to loans0.0810%1,711
Credit loss provision to net charge-offs72.8000%2,605
Earnings coverage of net charge-offs (x)28.7204%1,654
Efficiency ratio65.0839%3,022
Assets per employee ($millions)3.9904%3,907
Cash dividends to net income (ytd only)*58.6503%1,251
Condition Ratios (%)
Loss allowance to loans1.0916%3,239
Loan loss allowance to noncurrent loans798.6711%727
Noncurrent assets plus other real estate owned to assets0.0999%4,473
Noncurrent loans to loans0.1367%4,269
Net loans and leases to total assets69.9800%2,650
Net loans and leases to deposits93.2156%1,475
Net loans and leases to core deposits99.2070%1,854
Total domestic deposits to total assets75.0733%4,874
Equity capital to assets12.8404%1,398
Core capital (leverage) ratio13.1057%1,235
Tier 1 risk-based capital ratio17.4829%1,938
Total risk-based capital ratio18.5326%1,949
Memoranda:
Average total assets$301,709,7502,155
Average earning assets$278,970,5002,152
Average equity$40,052,2501,856
Average total loans$205,816,7502,141
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6054%1,767
Cost of funding earning assets0.4601%3,283
Net interest margin4.1453%1,423
Noninterest income to average assets0.8917%1,202
Noninterest expense to average assets3.1374%1,698
Loan and lease loss provision to assets0.0409%3,092
Net operating income to assets1.5462%1,042
Return on assets (ROA)1.5436%1,050
Pretax return on assets1.5436%1,672
Return on Equity (ROE)11.4967%1,911
Retained earnings to average equity (ytd only)4.2015%3,508
Net charge-offs to loans0.0507%1,877
Credit loss provision to net charge-offs119.6078%1,805
Earnings coverage of net charge-offs (x)46.4510%1,185
Efficiency ratio64.7476%3,199
Assets per employee ($millions)4.0183%3,865
Cash dividends to net income (ytd only)*63.4549%1,202
Condition Ratios (%)
Loss allowance to loans1.1696%2,883
Loan loss allowance to noncurrent loans858.9474%682
Noncurrent assets plus other real estate owned to assets0.0966%4,526
Noncurrent loans to loans0.1362%4,295
Net loans and leases to total assets67.7328%2,908
Net loans and leases to deposits88.0052%2,113
Net loans and leases to core deposits89.7716%2,592
Total domestic deposits to total assets76.9646%4,741
Equity capital to assets13.0727%1,265
Core capital (leverage) ratio13.3377%1,122
Tier 1 risk-based capital ratio17.4786%1,946
Total risk-based capital ratio18.5651%1,947
Memoranda:
Average total assets$298,529,0002,182
Average earning assets$276,024,6702,185
Average equity$40,081,0001,858
Average total loans$201,016,3302,177
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5169%1,811
Cost of funding earning assets0.4014%3,571
Net interest margin4.1155%1,401
Noninterest income to average assets0.8621%1,259
Noninterest expense to average assets3.0986%1,828
Loan and lease loss provision to assets0.0407%2,944
Net operating income to assets1.5303%1,009
Return on assets (ROA)1.5263%1,023
Pretax return on assets1.5263%1,609
Return on Equity (ROE)11.2151%1,878
Retained earnings to average equity (ytd only)7.4701%2,068
Net charge-offs to loans0.0081%2,447
Credit loss provision to net charge-offs750.0000%436
Earnings coverage of net charge-offs (x)289.7500%236
Efficiency ratio64.6734%3,377
Assets per employee ($millions)3.8927%4,162
Cash dividends to net income (ytd only)*33.3925%2,053
Condition Ratios (%)
Loss allowance to loans1.2553%2,488
Loan loss allowance to noncurrent loans485.9961%1,131
Noncurrent assets plus other real estate owned to assets0.1691%4,241
Noncurrent loans to loans0.2583%3,832
Net loans and leases to total assets64.6631%3,220
Net loans and leases to deposits79.6767%2,846
Net loans and leases to core deposits81.2608%3,214
Total domestic deposits to total assets81.1569%4,162
Equity capital to assets13.3730%1,082
Core capital (leverage) ratio13.6341%967
Tier 1 risk-based capital ratio18.5018%1,692
Total risk-based capital ratio19.6640%1,683
Memoranda:
Average total assets$295,098,0002,220
Average earning assets$273,017,5002,215
Average equity$40,160,0001,861
Average total loans$196,875,5002,218
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4749%1,799
Cost of funding earning assets0.2999%4,144
Net interest margin4.1750%1,240
Noninterest income to average assets0.9498%1,142
Noninterest expense to average assets3.2142%1,576
Loan and lease loss provision to assets0.0278%3,722
Net operating income to assets1.5515%720
Return on assets (ROA)1.5775%693
Pretax return on assets1.5775%1,357
Return on Equity (ROE)11.0834%1,444
Retained earnings to average equity (ytd only)4.6782%2,335
Net charge-offs to loans0.0269%3,274
Credit loss provision to net charge-offs159.1837%1,679
Earnings coverage of net charge-offs (x)90.4694%694
Efficiency ratio65.3140%3,383
Assets per employee ($millions)4.0910%3,825
Cash dividends to net income (ytd only)*57.7913%1,862
Condition Ratios (%)
Loss allowance to loans1.2346%2,569
Loan loss allowance to noncurrent loans889.7810%688
Noncurrent assets plus other real estate owned to assets0.0943%4,652
Noncurrent loans to loans0.1388%4,370
Net loans and leases to total assets67.1453%2,943
Net loans and leases to deposits83.5314%2,546
Net loans and leases to core deposits84.9622%2,987
Total domestic deposits to total assets80.3834%4,267
Equity capital to assets13.8526%948
Core capital (leverage) ratio13.6267%931
Tier 1 risk-based capital ratio18.3644%1,691
Total risk-based capital ratio19.5298%1,666
Memoranda:
Average total assets$280,693,0002,286
Average earning assets$258,418,4002,287
Average equity$39,951,6001,862
Average total loans$182,179,4002,303
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4378%1,834
Cost of funding earning assets0.2850%4,269
Net interest margin4.1529%1,272
Noninterest income to average assets0.9718%1,089
Noninterest expense to average assets3.1769%1,614
Loan and lease loss provision to assets0.0273%3,585
Net operating income to assets1.5870%748
Return on assets (ROA)1.6220%701
Pretax return on assets1.6220%1,346
Return on Equity (ROE)11.3169%1,561
Retained earnings to average equity (ytd only)5.1753%2,764
Net charge-offs to loans0.0374%2,692
Credit loss provision to net charge-offs114.0000%2,088
Earnings coverage of net charge-offs (x)67.3750%921
Efficiency ratio64.5565%3,443
Assets per employee ($millions)4.1360%3,765
Cash dividends to net income (ytd only)*54.2688%1,575
Condition Ratios (%)
Loss allowance to loans1.2937%2,384
Loan loss allowance to noncurrent loans1,372.7273%474
Noncurrent assets plus other real estate owned to assets0.0626%4,920
Noncurrent loans to loans0.0942%4,691
Net loans and leases to total assets65.5423%3,171
Net loans and leases to deposits86.5154%2,239
Net loans and leases to core deposits88.2737%2,744
Total domestic deposits to total assets75.7579%5,048
Equity capital to assets14.4496%869
Core capital (leverage) ratio13.8278%932
Tier 1 risk-based capital ratio19.0445%1,571
Total risk-based capital ratio20.2540%1,546
Memoranda:
Average total assets$278,251,7502,313
Average earning assets$255,914,0002,322
Average equity$39,880,5001,878
Average total loans$178,357,5002,355
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3919%1,841
Cost of funding earning assets0.2630%4,436
Net interest margin4.1289%1,251
Noninterest income to average assets0.9890%1,042
Noninterest expense to average assets3.1985%1,585
Loan and lease loss provision to assets0.0310%3,382
Net operating income to assets1.5538%785
Return on assets (ROA)1.5733%766
Pretax return on assets1.5733%1,424
Return on Equity (ROE)11.0075%1,647
Retained earnings to average equity (ytd only)6.0362%2,092
Net charge-offs to loans0.0308%2,591
Credit loss provision to net charge-offs159.2593%1,470
Earnings coverage of net charge-offs (x)81.3704%756
Efficiency ratio65.1033%3,493
Assets per employee ($millions)4.1457%3,720
Cash dividends to net income (ytd only)*45.1628%2,072
Condition Ratios (%)
Loss allowance to loans1.3494%2,177
Loan loss allowance to noncurrent loans1,165.3846%515
Noncurrent assets plus other real estate owned to assets0.0904%4,829
Noncurrent loans to loans0.1158%4,657
Net loans and leases to total assets63.7992%3,415
Net loans and leases to deposits82.1139%2,687
Net loans and leases to core deposits83.3663%3,140
Total domestic deposits to total assets77.6960%4,864
Equity capital to assets14.6093%798
Core capital (leverage) ratio13.6912%942
Tier 1 risk-based capital ratio19.5891%1,453
Total risk-based capital ratio20.8390%1,410
Memoranda:
Average total assets$277,253,6702,327
Average earning assets$254,789,3302,337
Average equity$39,627,6701,885
Average total loans$175,559,6702,390
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3163%1,914
Cost of funding earning assets0.2421%4,608
Net interest margin4.0742%1,288
Noninterest income to average assets0.9459%1,116
Noninterest expense to average assets3.1899%1,642
Loan and lease loss provision to assets0.0303%3,172
Net operating income to assets1.4686%863
Return on assets (ROA)1.4672%889
Pretax return on assets1.4672%1,642
Return on Equity (ROE)10.3801%1,786
Retained earnings to average equity (ytd only)8.4389%1,297
Net charge-offs to loans-0.0046%4,159
Credit loss provision to net charge-offs-1,050.0000%4,435
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2458%3,458
Assets per employee ($millions)4.1670%3,726
Cash dividends to net income (ytd only)*18.7008%2,559
Condition Ratios (%)
Loss allowance to loans1.3741%2,191
Loan loss allowance to noncurrent loans924.7148%637
Noncurrent assets plus other real estate owned to assets0.0942%4,895
Noncurrent loans to loans0.1486%4,592
Net loans and leases to total assets62.5231%3,466
Net loans and leases to deposits77.0964%3,065
Net loans and leases to core deposits78.2174%3,446
Total domestic deposits to total assets81.0973%4,394
Equity capital to assets14.2470%835
Core capital (leverage) ratio13.7190%911
Tier 1 risk-based capital ratio19.6981%1,451
Total risk-based capital ratio20.9482%1,424
Memoranda:
Average total assets$276,999,5002,352
Average earning assets$254,479,0002,363
Average equity$39,152,0001,907
Average total loans$173,522,5002,422
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4080%1,796
Cost of funding earning assets0.2496%4,569
Net interest margin4.1585%1,219
Noninterest income to average assets1.0302%1,062
Noninterest expense to average assets3.3584%1,444
Loan and lease loss provision to assets0.0557%3,268
Net operating income to assets1.4588%901
Return on assets (ROA)1.4645%918
Pretax return on assets1.4670%1,693
Return on Equity (ROE)10.2425%1,865
Retained earnings to average equity (ytd only)-4.3158%5,649
Net charge-offs to loans-0.0053%4,819
Credit loss provision to net charge-offs-1,712.5000%5,366
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4277%3,360
Assets per employee ($millions)4.0426%3,887
Cash dividends to net income (ytd only)*142.1359%168
Condition Ratios (%)
Loss allowance to loans1.4166%2,011
Loan loss allowance to noncurrent loans892.2222%664
Noncurrent assets plus other real estate owned to assets0.0982%4,928
Noncurrent loans to loans0.1588%4,603
Net loans and leases to total assets60.9852%3,732
Net loans and leases to deposits73.6098%3,552
Net loans and leases to core deposits74.7753%3,857
Total domestic deposits to total assets82.8493%3,817
Equity capital to assets14.0470%875
Core capital (leverage) ratio13.2795%1,036
Tier 1 risk-based capital ratio20.0059%1,370
Total risk-based capital ratio21.2564%1,339
Memoranda:
Average total assets$246,156,2002,540
Average earning assets$227,608,6002,534
Average equity$35,196,4002,063
Average total loans$152,146,0002,616
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4330%1,751
Cost of funding earning assets0.2517%4,588
Net interest margin4.1813%1,174
Noninterest income to average assets1.0511%1,027
Noninterest expense to average assets3.3560%1,438
Loan and lease loss provision to assets0.0541%3,180
Net operating income to assets1.5126%857
Return on assets (ROA)1.5204%897
Pretax return on assets1.5232%1,638
Return on Equity (ROE)10.5797%1,841
Retained earnings to average equity (ytd only)-6.9418%5,791
Net charge-offs to loans-0.0163%4,942
Credit loss provision to net charge-offs-538.8889%5,091
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8101%3,455
Assets per employee ($millions)3.8822%4,158
Cash dividends to net income (ytd only)*165.6147%119
Condition Ratios (%)
Loss allowance to loans1.4378%2,031
Loan loss allowance to noncurrent loans831.4685%690
Noncurrent assets plus other real estate owned to assets0.1052%5,010
Noncurrent loans to loans0.1729%4,662
Net loans and leases to total assets59.9847%3,881
Net loans and leases to deposits76.8762%3,299
Net loans and leases to core deposits78.3475%3,628
Total domestic deposits to total assets78.0277%4,908
Equity capital to assets14.8964%761
Core capital (leverage) ratio13.4391%1,023
Tier 1 risk-based capital ratio20.5509%1,347
Total risk-based capital ratio21.8020%1,315
Memoranda:
Average total assets$238,970,7502,597
Average earning assets$221,425,5002,593
Average equity$34,341,7502,130
Average total loans$147,668,5002,678
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4370%1,718
Cost of funding earning assets0.2493%4,668
Net interest margin4.1877%1,144
Noninterest income to average assets1.0402%1,034
Noninterest expense to average assets3.3713%1,433
Loan and lease loss provision to assets0.0509%3,128
Net operating income to assets1.5050%886
Return on assets (ROA)1.5129%915
Pretax return on assets1.5155%1,621
Return on Equity (ROE)10.6827%1,773
Retained earnings to average equity (ytd only)-15.6679%5,941
Net charge-offs to loans-0.0198%4,941
Credit loss provision to net charge-offs-414.2857%4,889
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3864%3,261
Assets per employee ($millions)3.9134%4,073
Cash dividends to net income (ytd only)*246.6667%73
Condition Ratios (%)
Loss allowance to loans1.4269%2,174
Loan loss allowance to noncurrent loans431.6081%1,196
Noncurrent assets plus other real estate owned to assets0.2114%4,650
Noncurrent loans to loans0.3306%4,182
Net loans and leases to total assets58.8863%4,024
Net loans and leases to deposits75.1746%3,465
Net loans and leases to core deposits76.5946%3,773
Total domestic deposits to total assets78.3327%4,932
Equity capital to assets14.5807%850
Core capital (leverage) ratio12.9229%1,182
Tier 1 risk-based capital ratio20.3830%1,367
Total risk-based capital ratio21.6341%1,349
Memoranda:
Average total assets$228,044,0002,697
Average earning assets$211,808,6702,699
Average equity$32,295,3302,231
Average total loans$141,762,3302,754
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2297%2,375
Cost of funding earning assets0.2066%5,141
Net interest margin4.0231%1,549
Noninterest income to average assets1.1234%864
Noninterest expense to average assets3.2219%1,789
Loan and lease loss provision to assets0.0351%3,194
Net operating income to assets1.6226%672
Return on assets (ROA)1.6226%713
Pretax return on assets1.6265%1,232
Return on Equity (ROE)11.6887%1,404
Retained earnings to average equity (ytd only)-40.2922%6,060
Net charge-offs to loans-0.0122%4,618
Credit loss provision to net charge-offs-450.0000%4,527
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9744%3,809
Assets per employee ($millions)3.8323%4,244
Cash dividends to net income (ytd only)*444.7115%55
Condition Ratios (%)
Loss allowance to loans1.7580%1,228
Loan loss allowance to noncurrent loans1,011.0619%580
Noncurrent assets plus other real estate owned to assets0.1113%5,130
Noncurrent loans to loans0.1739%4,790
Net loans and leases to total assets62.8678%3,402
Net loans and leases to deposits84.6096%2,234
Net loans and leases to core deposits85.4104%2,798
Total domestic deposits to total assets74.3033%5,590
Equity capital to assets13.3621%1,238
Core capital (leverage) ratio12.1905%1,500
Tier 1 risk-based capital ratio18.6875%1,806
Total risk-based capital ratio19.9425%1,765
Memoranda:
Average total assets$205,097,0002,935
Average earning assets$191,693,5002,914
Average equity$28,472,0002,484
Average total loans$130,820,0002,921
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4636%1,709
Cost of funding earning assets0.2083%5,212
Net interest margin4.2552%1,056
Noninterest income to average assets0.9663%1,275
Noninterest expense to average assets3.0343%2,433
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.8813%418
Return on assets (ROA)1.7194%579
Pretax return on assets1.7238%946
Return on Equity (ROE)11.9785%1,306
Retained earnings to average equity (ytd only)7.2277%1,188
Net charge-offs to loans0.0530%3,140
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)56.1618%920
Efficiency ratio61.6720%4,662
Assets per employee ($millions)3.9072%4,108
Cash dividends to net income (ytd only)*39.6611%2,852
Condition Ratios (%)
Loss allowance to loans1.7188%1,314
Loan loss allowance to noncurrent loans1,178.6458%520
Noncurrent assets plus other real estate owned to assets0.0927%5,245
Noncurrent loans to loans0.1458%4,909
Net loans and leases to total assets62.4873%3,491
Net loans and leases to deposits80.9170%2,719
Net loans and leases to core deposits81.6424%3,188
Total domestic deposits to total assets77.2240%5,280
Equity capital to assets14.3924%802
Core capital (leverage) ratio13.7159%901
Tier 1 risk-based capital ratio20.6787%1,354
Total risk-based capital ratio21.9338%1,326
Memoranda:
Average total assets$202,516,2002,921
Average earning assets$188,167,6002,911
Average equity$29,068,8002,389
Average total loans$128,237,6002,914
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4841%1,642
Cost of funding earning assets0.2170%5,216
Net interest margin4.2672%1,026
Noninterest income to average assets0.9700%1,261
Noninterest expense to average assets3.0331%2,422
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.8910%435
Return on assets (ROA)1.7201%623
Pretax return on assets1.7248%1,042
Return on Equity (ROE)11.9921%1,377
Retained earnings to average equity (ytd only)8.3686%1,104
Net charge-offs to loans0.0691%2,576
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)43.3777%1,158
Efficiency ratio61.5395%4,640
Assets per employee ($millions)3.7969%4,270
Cash dividends to net income (ytd only)*30.2156%2,803
Condition Ratios (%)
Loss allowance to loans1.7442%1,374
Loan loss allowance to noncurrent loans432.2519%1,168
Noncurrent assets plus other real estate owned to assets0.2664%4,701
Noncurrent loans to loans0.4035%4,164
Net loans and leases to total assets63.4030%3,394
Net loans and leases to deposits87.9592%1,908
Net loans and leases to core deposits89.0737%2,551
Total domestic deposits to total assets72.0823%5,854
Equity capital to assets14.7581%795
Core capital (leverage) ratio13.7075%943
Tier 1 risk-based capital ratio20.9596%1,344
Total risk-based capital ratio22.2147%1,321
Memoranda:
Average total assets$201,374,7502,955
Average earning assets$186,817,0002,945
Average equity$28,885,0002,415
Average total loans$127,381,2502,951
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4604%1,657
Cost of funding earning assets0.2232%5,219
Net interest margin4.2372%1,027
Noninterest income to average assets0.9423%1,327
Noninterest expense to average assets3.0255%2,479
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.8320%482
Return on assets (ROA)1.6622%698
Pretax return on assets1.6672%1,151
Return on Equity (ROE)11.7007%1,473
Retained earnings to average equity (ytd only)8.2408%1,170
Net charge-offs to loans0.0569%2,590
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)51.3889%942
Efficiency ratio62.2218%4,645
Assets per employee ($millions)3.8424%4,185
Cash dividends to net income (ytd only)*29.5699%2,825
Condition Ratios (%)
Loss allowance to loans1.7887%1,391
Loan loss allowance to noncurrent loans673.0205%793
Noncurrent assets plus other real estate owned to assets0.1768%5,160
Noncurrent loans to loans0.2658%4,715
Net loans and leases to total assets61.8758%3,566
Net loans and leases to deposits81.8669%2,573
Net loans and leases to core deposits84.6747%2,914
Total domestic deposits to total assets75.5810%5,648
Equity capital to assets14.1737%924
Core capital (leverage) ratio13.4914%989
Tier 1 risk-based capital ratio20.4491%1,461
Total risk-based capital ratio21.7047%1,434
Memoranda:
Average total assets$201,420,3302,977
Average earning assets$186,349,0002,971
Average equity$28,613,6702,444
Average total loans$126,556,3302,971
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4206%1,691
Cost of funding earning assets0.2234%5,283
Net interest margin4.1972%1,065
Noninterest income to average assets0.9126%1,347
Noninterest expense to average assets3.0154%2,538
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.7952%486
Return on assets (ROA)1.6295%709
Pretax return on assets1.6335%1,184
Return on Equity (ROE)11.4573%1,497
Retained earnings to average equity (ytd only)11.0641%709
Net charge-offs to loans0.0605%2,146
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)47.4211%869
Efficiency ratio62.6296%4,685
Assets per employee ($millions)3.5973%4,731
Cash dividends to net income (ytd only)*3.4314%2,816
Condition Ratios (%)
Loss allowance to loans1.8508%1,393
Loan loss allowance to noncurrent loans666.2824%777
Noncurrent assets plus other real estate owned to assets0.2461%4,957
Noncurrent loans to loans0.2778%4,788
Net loans and leases to total assets61.9694%3,371
Net loans and leases to deposits81.1744%2,425
Net loans and leases to core deposits84.2216%2,743
Total domestic deposits to total assets76.3411%5,698
Equity capital to assets14.6750%785
Core capital (leverage) ratio13.1887%1,095
Tier 1 risk-based capital ratio21.0424%1,415
Total risk-based capital ratio22.2988%1,391
Memoranda:
Average total assets$200,308,0003,011
Average earning assets$186,220,0002,985
Average equity$28,488,5002,464
Average total loans$125,683,5002,991
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5469%1,705
Cost of funding earning assets0.2489%5,333
Net interest margin4.2980%1,062
Noninterest income to average assets0.9630%1,310
Noninterest expense to average assets3.0639%2,643
Loan and lease loss provision to assets0.0114%4,396
Net operating income to assets1.8453%431
Return on assets (ROA)1.7170%580
Pretax return on assets1.7204%943
Return on Equity (ROE)13.0080%1,134
Retained earnings to average equity (ytd only)5.6783%2,149
Net charge-offs to loans0.0711%3,459
Credit loss provision to net charge-offs26.4368%3,896
Earnings coverage of net charge-offs (x)43.1609%1,021
Efficiency ratio62.2233%4,876
Assets per employee ($millions)3.6866%4,554
Cash dividends to net income (ytd only)*56.3474%1,935
Condition Ratios (%)
Loss allowance to loans1.8435%1,441
Loan loss allowance to noncurrent loans594.6429%930
Noncurrent assets plus other real estate owned to assets0.2515%5,019
Noncurrent loans to loans0.3100%4,728
Net loans and leases to total assets61.2122%3,612
Net loans and leases to deposits80.6906%2,643
Net loans and leases to core deposits83.6732%2,931
Total domestic deposits to total assets75.8604%5,750
Equity capital to assets13.7807%1,037
Core capital (leverage) ratio12.6477%1,282
Tier 1 risk-based capital ratio21.1494%1,374
Total risk-based capital ratio22.4082%1,344
Memoranda:
Average total assets$201,868,4002,964
Average earning assets$186,040,0002,959
Average equity$26,645,2002,517
Average total loans$122,305,0002,994
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5431%1,724
Cost of funding earning assets0.2564%5,340
Net interest margin4.2867%1,076
Noninterest income to average assets0.9574%1,345
Noninterest expense to average assets3.0409%2,672
Loan and lease loss provision to assets0.0152%4,109
Net operating income to assets1.8160%501
Return on assets (ROA)1.7026%634
Pretax return on assets1.7324%1,013
Return on Equity (ROE)13.0438%1,213
Retained earnings to average equity (ytd only)6.1952%2,276
Net charge-offs to loans0.0418%3,662
Credit loss provision to net charge-offs60.5263%2,926
Earnings coverage of net charge-offs (x)74.1512%745
Efficiency ratio62.0062%4,881
Assets per employee ($millions)3.6846%4,518
Cash dividends to net income (ytd only)*52.5048%1,715
Condition Ratios (%)
Loss allowance to loans1.9115%1,428
Loan loss allowance to noncurrent loans437.5000%1,092
Noncurrent assets plus other real estate owned to assets0.2980%5,074
Noncurrent loans to loans0.4369%4,590
Net loans and leases to total assets60.2647%3,742
Net loans and leases to deposits81.9309%2,433
Net loans and leases to core deposits85.0721%2,766
Total domestic deposits to total assets73.5555%6,051
Equity capital to assets13.5361%1,166
Core capital (leverage) ratio12.5133%1,396
Tier 1 risk-based capital ratio21.0863%1,436
Total risk-based capital ratio22.3457%1,410
Memoranda:
Average total assets$201,645,0002,995
Average earning assets$185,653,7502,989
Average equity$26,321,0002,548
Average total loans$121,269,7503,030
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5032%1,817
Cost of funding earning assets0.2638%5,348
Net interest margin4.2395%1,152
Noninterest income to average assets0.9249%1,411
Noninterest expense to average assets2.9984%2,833
Loan and lease loss provision to assets0.0229%3,822
Net operating income to assets1.7686%516
Return on assets (ROA)1.6820%634
Pretax return on assets1.7118%995
Return on Equity (ROE)13.0477%1,161
Retained earnings to average equity (ytd only)4.5933%3,236
Net charge-offs to loans0.0599%3,118
Credit loss provision to net charge-offs63.8889%2,580
Earnings coverage of net charge-offs (x)50.9722%900
Efficiency ratio62.1883%4,982
Assets per employee ($millions)3.7151%4,428
Cash dividends to net income (ytd only)*64.7962%1,331
Condition Ratios (%)
Loss allowance to loans1.9259%1,519
Loan loss allowance to noncurrent loans477.3547%974
Noncurrent assets plus other real estate owned to assets0.2794%5,252
Noncurrent loans to loans0.4035%4,778
Net loans and leases to total assets59.3629%3,808
Net loans and leases to deposits81.2004%2,357
Net loans and leases to core deposits84.5259%2,682
Total domestic deposits to total assets73.1066%6,181
Equity capital to assets13.1907%1,271
Core capital (leverage) ratio12.3803%1,454
Tier 1 risk-based capital ratio20.6141%1,537
Total risk-based capital ratio21.8737%1,508
Memoranda:
Average total assets$201,309,6703,019
Average earning assets$185,022,0003,012
Average equity$25,951,0002,569
Average total loans$120,190,6703,057
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5201%1,746
Cost of funding earning assets0.2824%5,253
Net interest margin4.2378%1,122
Noninterest income to average assets0.8348%1,619
Noninterest expense to average assets2.9930%2,878
Loan and lease loss provision to assets0.0460%3,176
Net operating income to assets1.6410%628
Return on assets (ROA)1.6076%688
Pretax return on assets1.6377%1,090
Return on Equity (ROE)12.6208%1,254
Retained earnings to average equity (ytd only)2.7033%4,463
Net charge-offs to loans-0.0709%5,962
Credit loss provision to net charge-offs-109.5238%4,851
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5359%4,932
Assets per employee ($millions)3.6366%4,654
Cash dividends to net income (ytd only)*78.5803%997
Condition Ratios (%)
Loss allowance to loans2.0778%1,374
Loan loss allowance to noncurrent loans349.9283%1,293
Noncurrent assets plus other real estate owned to assets0.3710%5,043
Noncurrent loans to loans0.5938%4,381
Net loans and leases to total assets57.4673%3,928
Net loans and leases to deposits73.2390%3,161
Net loans and leases to core deposits76.0913%3,401
Total domestic deposits to total assets78.4654%5,761
Equity capital to assets12.8917%1,358
Core capital (leverage) ratio12.2617%1,500
Tier 1 risk-based capital ratio20.9116%1,485
Total risk-based capital ratio22.1723%1,465
Memoranda:
Average total assets$199,798,0003,051
Average earning assets$182,737,5003,068
Average equity$25,450,0002,601
Average total loans$118,446,0003,103
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6644%1,673
Cost of funding earning assets0.3936%4,724
Net interest margin4.2708%1,170
Noninterest income to average assets0.9962%1,405
Noninterest expense to average assets3.0896%2,767
Loan and lease loss provision to assets0.0454%4,210
Net operating income to assets1.7277%558
Return on assets (ROA)1.5502%783
Pretax return on assets1.5774%1,230
Return on Equity (ROE)12.2771%1,334
Retained earnings to average equity (ytd only)7.9399%1,075
Net charge-offs to loans0.1734%3,092
Credit loss provision to net charge-offs44.8780%3,942
Earnings coverage of net charge-offs (x)17.8341%1,694
Efficiency ratio63.1377%5,034
Assets per employee ($millions)3.6960%4,487
Cash dividends to net income (ytd only)*35.3278%3,034
Condition Ratios (%)
Loss allowance to loans2.0040%1,541
Loan loss allowance to noncurrent loans305.4847%1,464
Noncurrent assets plus other real estate owned to assets0.4089%5,031
Noncurrent loans to loans0.6560%4,330
Net loans and leases to total assets58.6803%3,921
Net loans and leases to deposits74.6794%3,160
Net loans and leases to core deposits77.4664%3,428
Total domestic deposits to total assets78.5763%5,727
Equity capital to assets12.5837%1,473
Core capital (leverage) ratio11.9606%1,637
Tier 1 risk-based capital ratio20.8078%1,463
Total risk-based capital ratio22.0369%1,446
Memoranda:
Average total assets$202,679,6003,005
Average earning assets$184,953,2003,023
Average equity$25,592,4002,577
Average total loans$118,223,8003,071
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6568%1,733
Cost of funding earning assets0.4258%4,546
Net interest margin4.2310%1,243
Noninterest income to average assets1.0177%1,404
Noninterest expense to average assets3.0866%2,704
Loan and lease loss provision to assets0.0446%4,126
Net operating income to assets1.7111%620
Return on assets (ROA)1.5184%916
Pretax return on assets1.5446%1,482
Return on Equity (ROE)12.0150%1,469
Retained earnings to average equity (ytd only)8.6288%1,184
Net charge-offs to loans0.2047%2,598
Credit loss provision to net charge-offs37.5691%3,756
Earnings coverage of net charge-offs (x)15.0551%1,895
Efficiency ratio63.3490%4,912
Assets per employee ($millions)3.8686%4,096
Cash dividends to net income (ytd only)*28.1828%2,752
Condition Ratios (%)
Loss allowance to loans1.9833%1,763
Loan loss allowance to noncurrent loans336.5169%1,252
Noncurrent assets plus other real estate owned to assets0.3931%5,238
Noncurrent loans to loans0.5894%4,727
Net loans and leases to total assets57.7513%4,052
Net loans and leases to deposits80.3059%2,365
Net loans and leases to core deposits83.5133%2,709
Total domestic deposits to total assets71.9142%6,500
Equity capital to assets12.3720%1,652
Core capital (leverage) ratio11.9085%1,729
Tier 1 risk-based capital ratio20.0861%1,715
Total risk-based capital ratio21.3536%1,684
Memoranda:
Average total assets$203,453,7503,018
Average earning assets$185,357,5003,040
Average equity$25,711,7502,602
Average total loans$117,902,0003,100
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6344%1,741
Cost of funding earning assets0.4547%4,381
Net interest margin4.1797%1,333
Noninterest income to average assets1.0240%1,453
Noninterest expense to average assets3.0415%2,869
Loan and lease loss provision to assets0.0444%4,080
Net operating income to assets1.7236%599
Return on assets (ROA)1.5237%932
Pretax return on assets1.5483%1,489
Return on Equity (ROE)11.9721%1,504
Retained earnings to average equity (ytd only)8.9442%1,145
Net charge-offs to loans0.2446%2,258
Credit loss provision to net charge-offs31.4685%3,564
Earnings coverage of net charge-offs (x)12.7483%1,956
Efficiency ratio62.8641%5,039
Assets per employee ($millions)3.5807%4,668
Cash dividends to net income (ytd only)*25.2911%2,804
Condition Ratios (%)
Loss allowance to loans2.0025%1,842
Loan loss allowance to noncurrent loans307.0064%1,377
Noncurrent assets plus other real estate owned to assets0.4384%5,177
Noncurrent loans to loans0.6523%4,637
Net loans and leases to total assets58.8159%3,854
Net loans and leases to deposits76.4802%2,805
Net loans and leases to core deposits79.3953%3,107
Total domestic deposits to total assets76.9034%6,139
Equity capital to assets12.4422%1,615
Core capital (leverage) ratio11.6989%1,799
Tier 1 risk-based capital ratio19.8102%1,763
Total risk-based capital ratio21.0782%1,736
Memoranda:
Average total assets$202,926,3303,039
Average earning assets$185,181,3303,049
Average equity$25,826,6702,597
Average total loans$116,933,6703,130
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6774%1,600
Cost of funding earning assets0.4744%4,332
Net interest margin4.2030%1,174
Noninterest income to average assets0.9974%1,467
Noninterest expense to average assets3.0236%2,908
Loan and lease loss provision to assets0.0451%3,855
Net operating income to assets1.7262%546
Return on assets (ROA)1.5206%900
Pretax return on assets1.5402%1,454
Return on Equity (ROE)11.8178%1,470
Retained earnings to average equity (ytd only)11.4371%795
Net charge-offs to loans0.3576%1,572
Credit loss provision to net charge-offs22.3301%3,003
Earnings coverage of net charge-offs (x)8.8835%1,905
Efficiency ratio62.7746%5,185
Assets per employee ($millions)3.6797%4,603
Cash dividends to net income (ytd only)*3.2216%2,620
Condition Ratios (%)
Loss allowance to loans2.0932%1,814
Loan loss allowance to noncurrent loans333.9752%1,196
Noncurrent assets plus other real estate owned to assets0.4610%5,230
Noncurrent loans to loans0.6267%4,877
Net loans and leases to total assets56.1164%4,061
Net loans and leases to deposits70.0036%3,481
Net loans and leases to core deposits72.6553%3,743
Total domestic deposits to total assets80.1622%5,719
Equity capital to assets13.0437%1,408
Core capital (leverage) ratio11.3419%1,982
Tier 1 risk-based capital ratio19.5084%1,903
Total risk-based capital ratio20.7763%1,871
Memoranda:
Average total assets$204,130,0003,049
Average earning assets$185,487,0003,076
Average equity$26,265,5002,587
Average total loans$115,227,0003,176
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8920%1,866
Cost of funding earning assets0.5969%4,390
Net interest margin4.2951%1,408
Noninterest income to average assets1.0833%1,321
Noninterest expense to average assets3.1267%2,852
Loan and lease loss provision to assets0.1789%3,391
Net operating income to assets1.6538%680
Return on assets (ROA)1.4935%1,024
Pretax return on assets1.4935%1,692
Return on Equity (ROE)12.0712%1,489
Retained earnings to average equity (ytd only)7.9737%1,132
Net charge-offs to loans-0.0044%6,373
Credit loss provision to net charge-offs-7,320.0000%6,692
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0458%5,070
Assets per employee ($millions)3.6764%4,612
Cash dividends to net income (ytd only)*33.9444%3,199
Condition Ratios (%)
Loss allowance to loans2.1912%1,569
Loan loss allowance to noncurrent loans284.3537%1,359
Noncurrent assets plus other real estate owned to assets0.5333%5,145
Noncurrent loans to loans0.7706%4,643
Net loans and leases to total assets54.3761%4,572
Net loans and leases to deposits67.8405%4,010
Net loans and leases to core deposits70.5013%4,233
Total domestic deposits to total assets80.1529%5,619
Equity capital to assets12.6934%1,593
Core capital (leverage) ratio10.8262%2,410
Tier 1 risk-based capital ratio19.3395%1,859
Total risk-based capital ratio20.6093%1,822
Memoranda:
Average total assets$204,558,2002,988
Average earning assets$184,606,0003,035
Average equity$25,308,2002,628
Average total loans$114,089,0003,206
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9375%1,872
Cost of funding earning assets0.6223%4,431
Net interest margin4.3151%1,426
Noninterest income to average assets1.0648%1,333
Noninterest expense to average assets3.0919%2,915
Loan and lease loss provision to assets0.1789%3,348
Net operating income to assets1.6824%711
Return on assets (ROA)1.5251%1,085
Pretax return on assets1.5251%1,789
Return on Equity (ROE)12.4077%1,493
Retained earnings to average equity (ytd only)8.9977%1,232
Net charge-offs to loans-0.0059%6,289
Credit loss provision to net charge-offs-5,480.0000%6,676
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4226%5,079
Assets per employee ($millions)3.7412%4,446
Cash dividends to net income (ytd only)*27.4829%2,750
Condition Ratios (%)
Loss allowance to loans2.1500%1,807
Loan loss allowance to noncurrent loans273.6127%1,343
Noncurrent assets plus other real estate owned to assets0.5331%5,347
Noncurrent loans to loans0.7858%4,836
Net loans and leases to total assets54.4276%4,685
Net loans and leases to deposits70.2284%3,864
Net loans and leases to core deposits73.1415%4,094
Total domestic deposits to total assets77.5009%6,164
Equity capital to assets12.9632%1,607
Core capital (leverage) ratio10.9312%2,458
Tier 1 risk-based capital ratio19.4909%1,882
Total risk-based capital ratio20.7521%1,856
Memoranda:
Average total assets$204,228,0003,028
Average earning assets$184,030,2503,067
Average equity$25,102,0002,676
Average total loans$113,997,0003,236
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9708%1,869
Cost of funding earning assets0.6476%4,461
Net interest margin4.3233%1,412
Noninterest income to average assets1.0002%1,464
Noninterest expense to average assets3.0484%3,094
Loan and lease loss provision to assets0.1776%3,319
Net operating income to assets1.6764%708
Return on assets (ROA)1.5281%1,066
Pretax return on assets1.5281%1,783
Return on Equity (ROE)12.6598%1,455
Retained earnings to average equity (ytd only)9.3291%1,165
Net charge-offs to loans-0.0227%6,455
Credit loss provision to net charge-offs-1,400.0000%6,449
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1815%5,217
Assets per employee ($millions)3.5778%4,794
Cash dividends to net income (ytd only)*26.3091%2,761
Condition Ratios (%)
Loss allowance to loans2.0860%2,024
Loan loss allowance to noncurrent loans311.7647%1,151
Noncurrent assets plus other real estate owned to assets0.4582%5,634
Noncurrent loans to loans0.6691%5,165
Net loans and leases to total assets54.6333%4,686
Net loans and leases to deposits74.1790%3,263
Net loans and leases to core deposits76.3650%3,730
Total domestic deposits to total assets73.6506%6,701
Equity capital to assets12.6646%1,709
Core capital (leverage) ratio10.5372%2,768
Tier 1 risk-based capital ratio18.8363%2,013
Total risk-based capital ratio20.0615%2,002
Memoranda:
Average total assets$204,962,0003,031
Average earning assets$184,999,3303,059
Average equity$24,739,6702,695
Average total loans$114,538,0003,241
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9664%2,015
Cost of funding earning assets0.6830%4,428
Net interest margin4.2835%1,523
Noninterest income to average assets0.9572%1,542
Noninterest expense to average assets2.9759%3,353
Loan and lease loss provision to assets0.1756%3,209
Net operating income to assets1.6790%751
Return on assets (ROA)1.5208%1,109
Pretax return on assets1.5208%1,821
Return on Equity (ROE)12.9061%1,431
Retained earnings to average equity (ytd only)12.9061%697
Net charge-offs to loans-0.0138%6,055
Credit loss provision to net charge-offs-2,275.0000%6,081
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6061%5,351
Assets per employee ($millions)4.0168%3,966
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9513%2,521
Loan loss allowance to noncurrent loans307.8621%1,078
Noncurrent assets plus other real estate owned to assets0.4418%5,762
Noncurrent loans to loans0.6338%5,375
Net loans and leases to total assets54.7477%4,595
Net loans and leases to deposits75.0345%2,970
Net loans and leases to core deposits76.6912%3,526
Total domestic deposits to total assets72.9634%6,833
Equity capital to assets12.0699%1,993
Core capital (leverage) ratio10.2984%2,996
Tier 1 risk-based capital ratio18.4272%2,166
Total risk-based capital ratio19.6856%2,133
Memoranda:
Average total assets$207,266,0003,022
Average earning assets$187,418,5003,046
Average equity$24,422,5002,725
Average total loans$115,911,0003,233
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0636%2,589
Cost of funding earning assets0.9385%3,801
Net interest margin4.1251%2,329
Noninterest income to average assets0.8935%1,692
Noninterest expense to average assets2.8657%4,104
Loan and lease loss provision to assets0.2666%3,552
Net operating income to assets0.9906%2,233
Return on assets (ROA)0.9265%2,621
Pretax return on assets1.4041%1,779
Return on Equity (ROE)9.0059%2,442
Retained earnings to average equity (ytd only)7.6243%1,218
Net charge-offs to loans0.1723%4,770
Credit loss provision to net charge-offs279.8995%846
Earnings coverage of net charge-offs (x)18.5628%1,214
Efficiency ratio61.8467%5,483
Assets per employee ($millions)3.6151%4,733
Cash dividends to net income (ytd only)*15.3409%3,710
Condition Ratios (%)
Loss allowance to loans1.8197%2,805
Loan loss allowance to noncurrent loans311.9708%1,068
Noncurrent assets plus other real estate owned to assets0.4183%5,927
Noncurrent loans to loans0.5833%5,541
Net loans and leases to total assets54.9891%4,882
Net loans and leases to deposits78.9195%2,691
Net loans and leases to core deposits81.2783%3,289
Total domestic deposits to total assets69.6775%7,003
Equity capital to assets11.5030%2,502
Core capital (leverage) ratio9.7999%3,606
Tier 1 risk-based capital ratio17.4701%2,393
Total risk-based capital ratio18.7290%2,356
Memoranda:
Average total assets$208,956,6002,955
Average earning assets$189,451,6002,970
Average equity$21,497,0002,951
Average total loans$115,492,0003,264
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0870%2,671
Cost of funding earning assets0.9996%3,677
Net interest margin4.0874%2,522
Noninterest income to average assets0.8851%1,704
Noninterest expense to average assets2.9070%3,904
Loan and lease loss provision to assets0.2107%3,919
Net operating income to assets1.0194%2,253
Return on assets (ROA)0.9586%2,659
Pretax return on assets1.3820%1,994
Return on Equity (ROE)9.6024%2,345
Retained earnings to average equity (ytd only)8.7835%1,221
Net charge-offs to loans0.1507%4,560
Credit loss provision to net charge-offs253.8462%1,128
Earnings coverage of net charge-offs (x)20.2461%1,229
Efficiency ratio63.3630%5,167
Assets per employee ($millions)3.9526%3,953
Cash dividends to net income (ytd only)*8.5275%3,314
Condition Ratios (%)
Loss allowance to loans1.7293%3,173
Loan loss allowance to noncurrent loans199.5964%1,559
Noncurrent assets plus other real estate owned to assets0.7454%5,294
Noncurrent loans to loans0.8664%5,131
Net loans and leases to total assets54.6892%5,058
Net loans and leases to deposits77.3890%3,103
Net loans and leases to core deposits79.8996%3,652
Total domestic deposits to total assets70.6679%7,004
Equity capital to assets10.9270%3,212
Core capital (leverage) ratio9.8504%3,648
Tier 1 risk-based capital ratio17.2123%2,558
Total risk-based capital ratio18.4529%2,528
Memoranda:
Average total assets$208,776,7502,972
Average earning assets$189,131,0002,987
Average equity$20,841,5003,032
Average total loans$115,006,0003,298
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0467%2,943
Cost of funding earning assets1.0748%3,428
Net interest margin3.9719%2,982
Noninterest income to average assets0.8987%1,652
Noninterest expense to average assets2.9277%3,912
Loan and lease loss provision to assets0.1887%4,031
Net operating income to assets0.9335%2,501
Return on assets (ROA)0.8758%2,842
Pretax return on assets1.2933%2,155
Return on Equity (ROE)9.0531%2,487
Retained earnings to average equity (ytd only)8.2848%1,348
Net charge-offs to loans0.1701%4,158
Credit loss provision to net charge-offs202.0408%1,495
Earnings coverage of net charge-offs (x)16.7755%1,323
Efficiency ratio65.1399%5,037
Assets per employee ($millions)3.9416%3,888
Cash dividends to net income (ytd only)*8.4875%3,163
Condition Ratios (%)
Loss allowance to loans1.6623%3,444
Loan loss allowance to noncurrent loans168.2184%1,785
Noncurrent assets plus other real estate owned to assets0.9421%4,982
Noncurrent loans to loans0.9882%5,012
Net loans and leases to total assets53.2101%5,398
Net loans and leases to deposits78.5874%3,026
Net loans and leases to core deposits81.3522%3,600
Total domestic deposits to total assets67.7081%7,204
Equity capital to assets10.0999%4,019
Core capital (leverage) ratio9.1360%4,510
Tier 1 risk-based capital ratio16.9935%2,525
Total risk-based capital ratio18.2407%2,497
Memoranda:
Average total assets$209,857,0002,975
Average earning assets$189,984,0002,997
Average equity$20,302,3303,085
Average total loans$115,213,3303,336
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0497%2,856
Cost of funding earning assets1.1343%3,272
Net interest margin3.9154%3,067
Noninterest income to average assets0.8520%1,844
Noninterest expense to average assets2.8906%4,098
Loan and lease loss provision to assets0.2035%3,602
Net operating income to assets0.8798%2,665
Return on assets (ROA)0.8177%2,993
Pretax return on assets1.2114%2,330
Return on Equity (ROE)8.6415%2,636
Retained earnings to average equity (ytd only)8.0788%1,704
Net charge-offs to loans0.1066%3,890
Credit loss provision to net charge-offs345.1613%949
Earnings coverage of net charge-offs (x)25.5484%960
Efficiency ratio65.7439%5,075
Assets per employee ($millions)4.0764%3,684
Cash dividends to net income (ytd only)*6.5116%2,434
Condition Ratios (%)
Loss allowance to loans1.6142%3,674
Loan loss allowance to noncurrent loans176.5714%1,670
Noncurrent assets plus other real estate owned to assets1.0383%4,835
Noncurrent loans to loans0.9142%5,211
Net loans and leases to total assets53.3096%5,409
Net loans and leases to deposits76.4059%3,355
Net loans and leases to core deposits78.9699%3,895
Total domestic deposits to total assets69.7716%7,192
Equity capital to assets9.5036%4,429
Core capital (leverage) ratio9.1956%4,294
Tier 1 risk-based capital ratio16.2384%2,791
Total risk-based capital ratio17.4983%2,749
Memoranda:
Average total assets$210,333,5002,984
Average earning assets$190,427,5003,005
Average equity$19,904,0003,129
Average total loans$116,301,5003,333
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3493%2,899
Cost of funding earning assets1.4009%3,259
Net interest margin3.9483%3,263
Noninterest income to average assets0.8678%1,985
Noninterest expense to average assets2.8941%4,251
Loan and lease loss provision to assets0.2231%5,046
Net operating income to assets1.0022%2,038
Return on assets (ROA)0.9837%2,207
Pretax return on assets1.3198%1,887
Return on Equity (ROE)10.7322%1,674
Retained earnings to average equity (ytd only)9.4269%615
Net charge-offs to loans0.2534%4,768
Credit loss provision to net charge-offs154.0984%2,303
Earnings coverage of net charge-offs (x)10.8262%1,667
Efficiency ratio64.8649%5,189
Assets per employee ($millions)3.7267%4,408
Cash dividends to net income (ytd only)*12.1622%3,689
Condition Ratios (%)
Loss allowance to loans1.5100%3,954
Loan loss allowance to noncurrent loans163.4191%1,836
Noncurrent assets plus other real estate owned to assets0.8136%5,371
Noncurrent loans to loans0.9240%5,207
Net loans and leases to total assets55.5689%5,404
Net loans and leases to deposits78.5267%3,425
Net loans and leases to core deposits82.0352%3,905
Total domestic deposits to total assets70.7644%7,190
Equity capital to assets9.4219%4,515
Core capital (leverage) ratio8.7823%4,882
Tier 1 risk-based capital ratio15.5826%2,962
Total risk-based capital ratio16.8207%2,930
Memoranda:
Average total assets$210,638,0002,974
Average earning assets$191,727,8002,978
Average equity$19,306,4003,240
Average total loans$120,364,8003,307
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3736%3,008
Cost of funding earning assets1.4272%3,411
Net interest margin3.9464%3,337
Noninterest income to average assets0.8582%1,964
Noninterest expense to average assets2.8286%4,357
Loan and lease loss provision to assets0.2008%5,044
Net operating income to assets0.9532%2,405
Return on assets (ROA)0.9549%2,523
Pretax return on assets1.4285%1,798
Return on Equity (ROE)10.4903%1,941
Retained earnings to average equity (ytd only)9.6300%887
Net charge-offs to loans0.1201%5,347
Credit loss provision to net charge-offs291.7431%1,098
Earnings coverage of net charge-offs (x)23.6330%1,054
Efficiency ratio63.4869%5,343
Assets per employee ($millions)3.7811%4,314
Cash dividends to net income (ytd only)*8.2011%3,374
Condition Ratios (%)
Loss allowance to loans1.5298%3,828
Loan loss allowance to noncurrent loans125.8287%2,256
Noncurrent assets plus other real estate owned to assets0.8766%5,343
Noncurrent loans to loans1.2158%4,814
Net loans and leases to total assets56.3951%5,493
Net loans and leases to deposits79.2348%3,592
Net loans and leases to core deposits82.9973%4,088
Total domestic deposits to total assets71.1747%7,201
Equity capital to assets9.8551%4,344
Core capital (leverage) ratio8.7982%5,013
Tier 1 risk-based capital ratio15.2524%3,127
Total risk-based capital ratio16.4902%3,100
Memoranda:
Average total assets$211,124,0003,023
Average earning assets$192,441,5003,003
Average equity$19,217,2503,290
Average total loans$121,019,2503,349
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4582%2,711
Cost of funding earning assets1.4518%3,546
Net interest margin4.0064%2,985
Noninterest income to average assets0.8361%1,939
Noninterest expense to average assets2.8372%4,325
Loan and lease loss provision to assets0.2130%4,757
Net operating income to assets0.9509%2,362
Return on assets (ROA)0.9652%2,399
Pretax return on assets1.4648%1,656
Return on Equity (ROE)10.8986%1,784
Retained earnings to average equity (ytd only)10.4197%762
Net charge-offs to loans0.1151%5,026
Credit loss provision to net charge-offs322.8571%1,135
Earnings coverage of net charge-offs (x)25.1000%1,045
Efficiency ratio63.1424%5,492
Assets per employee ($millions)3.8961%3,989
Cash dividends to net income (ytd only)*4.3945%3,258
Condition Ratios (%)
Loss allowance to loans1.4675%4,079
Loan loss allowance to noncurrent loans141.0686%1,967
Noncurrent assets plus other real estate owned to assets0.7529%5,621
Noncurrent loans to loans1.0403%5,226
Net loans and leases to total assets56.4537%5,635
Net loans and leases to deposits80.5738%3,507
Net loans and leases to core deposits83.7846%4,161
Total domestic deposits to total assets70.0646%7,325
Equity capital to assets9.3693%4,898
Core capital (leverage) ratio8.3370%5,694
Tier 1 risk-based capital ratio14.6681%3,343
Total risk-based capital ratio15.9052%3,330
Memoranda:
Average total assets$212,177,6703,030
Average earning assets$193,689,6703,025
Average equity$18,791,3303,334
Average total loans$121,658,0003,375
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4435%2,848
Cost of funding earning assets1.4698%3,738
Net interest margin3.9737%2,981
Noninterest income to average assets0.8016%2,014
Noninterest expense to average assets2.7690%4,612
Loan and lease loss provision to assets0.2534%4,018
Net operating income to assets0.9264%2,448
Return on assets (ROA)0.9499%2,428
Pretax return on assets1.4436%1,653
Return on Equity (ROE)11.0414%1,781
Retained earnings to average equity (ytd only)10.4959%1,045
Net charge-offs to loans-0.0884%7,498
Credit loss provision to net charge-offs-500.0000%6,266
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5000%5,732
Assets per employee ($millions)3.9097%4,072
Cash dividends to net income (ytd only)*4.9407%2,477
Condition Ratios (%)
Loss allowance to loans1.4663%4,095
Loan loss allowance to noncurrent loans143.8412%1,942
Noncurrent assets plus other real estate owned to assets0.9138%5,328
Noncurrent loans to loans1.0194%5,292
Net loans and leases to total assets55.4706%5,820
Net loans and leases to deposits79.8643%3,678
Net loans and leases to core deposits83.0524%4,333
Total domestic deposits to total assets69.4560%7,443
Equity capital to assets8.6950%5,740
Core capital (leverage) ratio8.2656%5,811
Tier 1 risk-based capital ratio14.0370%3,631
Total risk-based capital ratio15.2754%3,604
Memoranda:
Average total assets$213,071,5003,068
Average earning assets$194,580,0003,067
Average equity$18,331,0003,431
Average total loans$122,216,0003,427
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9331%2,116
Cost of funding earning assets1.7404%4,303
Net interest margin4.1927%2,093
Noninterest income to average assets0.5949%3,673
Noninterest expense to average assets2.9636%4,290
Loan and lease loss provision to assets0.3608%4,639
Net operating income to assets0.7914%2,564
Return on assets (ROA)0.5045%3,805
Pretax return on assets0.7687%3,348
Return on Equity (ROE)5.9906%3,212
Retained earnings to average equity (ytd only)5.1488%1,740
Net charge-offs to loans0.8674%2,664
Credit loss provision to net charge-offs67.9159%6,532
Earnings coverage of net charge-offs (x)2.9442%3,610
Efficiency ratio65.4547%5,499
Assets per employee ($millions)3.7699%4,357
Cash dividends to net income (ytd only)*14.0520%3,801
Condition Ratios (%)
Loss allowance to loans1.3074%4,708
Loan loss allowance to noncurrent loans475.8112%697
Noncurrent assets plus other real estate owned to assets0.5746%6,028
Noncurrent loans to loans0.2748%6,742
Net loans and leases to total assets57.6779%5,713
Net loans and leases to deposits80.8962%3,824
Net loans and leases to core deposits97.9787%4,221
Total domestic deposits to total assets71.2986%7,303
Equity capital to assets8.5097%5,864
Core capital (leverage) ratio8.1473%5,915
Tier 1 risk-based capital ratio13.6066%3,754
Total risk-based capital ratio14.8443%3,703
Memoranda:
Average total assets$205,933,6003,107
Average earning assets$193,171,0003,060
Average equity$17,343,8003,605
Average total loans$126,127,8003,349
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9780%2,119
Cost of funding earning assets1.7968%4,398
Net interest margin4.1812%2,121
Noninterest income to average assets0.5030%4,458
Noninterest expense to average assets3.0003%4,044
Loan and lease loss provision to assets0.1942%5,441
Net operating income to assets0.6990%3,214
Return on assets (ROA)0.3271%4,795
Pretax return on assets0.6724%3,953
Return on Equity (ROE)3.8940%4,421
Retained earnings to average equity (ytd only)3.3510%3,430
Net charge-offs to loans0.6540%2,724
Credit loss provision to net charge-offs47.9100%6,342
Earnings coverage of net charge-offs (x)3.5724%3,474
Efficiency ratio67.4528%5,082
Assets per employee ($millions)3.6951%4,437
Cash dividends to net income (ytd only)*13.9440%3,414
Condition Ratios (%)
Loss allowance to loans1.3097%4,443
Loan loss allowance to noncurrent loans86.2178%3,171
Noncurrent assets plus other real estate owned to assets1.1801%4,717
Noncurrent loans to loans1.5191%4,377
Net loans and leases to total assets59.6857%5,629
Net loans and leases to deposits88.0561%2,944
Net loans and leases to core deposits107.9703%3,478
Total domestic deposits to total assets67.7814%7,597
Equity capital to assets8.7713%5,845
Core capital (leverage) ratio7.8769%6,535
Tier 1 risk-based capital ratio13.3981%3,923
Total risk-based capital ratio14.6354%3,877
Memoranda:
Average total assets$204,639,0003,151
Average earning assets$193,080,0003,078
Average equity$17,188,5003,667
Average total loans$126,815,2503,365
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0676%1,909
Cost of funding earning assets1.8579%4,475
Net interest margin4.2097%1,960
Noninterest income to average assets0.2531%6,469
Noninterest expense to average assets3.0067%4,058
Loan and lease loss provision to assets0.1776%5,274
Net operating income to assets0.6832%3,326
Return on assets (ROA)0.6936%3,396
Pretax return on assets1.0565%2,790
Return on Equity (ROE)8.3827%2,618
Retained earnings to average equity (ytd only)7.5528%1,375
Net charge-offs to loans0.1005%5,158
Credit loss provision to net charge-offs282.8125%1,658
Earnings coverage of net charge-offs (x)19.4063%1,367
Efficiency ratio71.1632%4,567
Assets per employee ($millions)3.7391%4,233
Cash dividends to net income (ytd only)*9.9010%3,400
Condition Ratios (%)
Loss allowance to loans1.6370%2,585
Loan loss allowance to noncurrent loans122.7729%2,407
Noncurrent assets plus other real estate owned to assets0.8931%5,197
Noncurrent loans to loans1.3334%4,547
Net loans and leases to total assets59.7167%5,729
Net loans and leases to deposits86.3815%3,482
Net loans and leases to core deposits109.1329%3,477
Total domestic deposits to total assets69.1313%7,544
Equity capital to assets7.8887%6,876
Core capital (leverage) ratio7.8682%6,533
Tier 1 risk-based capital ratio13.3339%3,912
Total risk-based capital ratio14.5135%3,880
Memoranda:
Average total assets$203,877,3303,181
Average earning assets$192,365,0003,114
Average equity$16,868,0003,739
Average total loans$127,372,6703,392
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1431%1,788
Cost of funding earning assets1.9056%4,599
Net interest margin4.2375%1,784
Noninterest income to average assets0.7398%2,655
Noninterest expense to average assets2.9793%3,852
Loan and lease loss provision to assets0.1790%4,665
Net operating income to assets1.0245%2,212
Return on assets (ROA)1.0362%2,308
Pretax return on assets1.5931%1,422
Return on Equity (ROE)12.2279%1,591
Retained earnings to average equity (ytd only)11.4064%902
Net charge-offs to loans0.0847%4,321
Credit loss provision to net charge-offs333.3333%1,485
Earnings coverage of net charge-offs (x)32.6667%997
Efficiency ratio62.9412%5,880
Assets per employee ($millions)3.7775%4,152
Cash dividends to net income (ytd only)*6.7179%2,760
Condition Ratios (%)
Loss allowance to loans1.5873%2,571
Loan loss allowance to noncurrent loans104.3232%2,938
Noncurrent assets plus other real estate owned to assets1.1535%4,364
Noncurrent loans to loans1.5216%4,004
Net loans and leases to total assets61.6083%5,400
Net loans and leases to deposits79.8611%4,635
Net loans and leases to core deposits98.6986%4,679
Total domestic deposits to total assets77.1443%6,240
Equity capital to assets8.3717%6,279
Core capital (leverage) ratio8.1196%6,257
Tier 1 risk-based capital ratio13.5565%3,827
Total risk-based capital ratio14.7987%3,761
Memoranda:
Average total assets$201,122,5003,224
Average earning assets$189,547,0003,160
Average equity$17,043,0003,723
Average total loans$127,499,0003,418
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5393%2,765
Cost of funding earning assets2.4484%4,478
Net interest margin4.0909%2,754
Noninterest income to average assets0.8172%2,418
Noninterest expense to average assets3.0036%4,067
Loan and lease loss provision to assets0.1689%5,217
Net operating income to assets1.0284%2,436
Return on assets (ROA)1.1206%1,981
Pretax return on assets1.6584%1,244
Return on Equity (ROE)13.9499%1,119
Retained earnings to average equity (ytd only)12.8798%170
Net charge-offs to loans0.4431%2,609
Credit loss provision to net charge-offs58.9286%6,242
Earnings coverage of net charge-offs (x)5.9036%3,492
Efficiency ratio63.9712%5,568
Assets per employee ($millions)3.7408%4,075
Cash dividends to net income (ytd only)*7.6712%4,734
Condition Ratios (%)
Loss allowance to loans1.5436%2,479
Loan loss allowance to noncurrent loans124.2099%2,902
Noncurrent assets plus other real estate owned to assets1.0320%4,243
Noncurrent loans to loans1.2427%4,032
Net loans and leases to total assets63.2172%5,416
Net loans and leases to deposits86.1296%4,103
Net loans and leases to core deposits106.7544%4,108
Total domestic deposits to total assets73.3977%6,752
Equity capital to assets8.5791%5,966
Core capital (leverage) ratio8.1626%6,236
Tier 1 risk-based capital ratio13.2827%3,945
Total risk-based capital ratio14.5150%3,866
Memoranda:
Average total assets$195,433,2003,197
Average earning assets$185,265,6003,109
Average equity$15,699,0003,990
Average total loans$126,376,4003,327