Home > Flagship Bank Minnesota > Performance and Condition Ratios

Flagship Bank Minnesota, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9879%1,386
Cost of funding earning assets0.2558%2,860
Net interest margin3.7320%1,137
Noninterest income to average assets0.4764%2,693
Noninterest expense to average assets2.1942%3,106
Loan and lease loss provision to assets0.0777%1,569
Net operating income to assets1.2206%1,852
Return on assets (ROA)1.2206%1,901
Pretax return on assets1.7538%1,014
Return on Equity (ROE)13.8644%1,224
Retained earnings to average equity (ytd only)13.8644%320
Net charge-offs to loans-0.0017%3,338
Credit loss provision to net charge-offs-6,250.0000%4,190
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7476%3,959
Assets per employee ($millions)6.6479%2,203
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.9667%3,886
Loan loss allowance to noncurrent loans6,802.8571%209
Noncurrent assets plus other real estate owned to assets0.0107%4,048
Noncurrent loans to loans0.0142%3,987
Net loans and leases to total assets74.8803%596
Net loans and leases to deposits83.5180%944
Net loans and leases to core deposits86.0507%1,197
Total domestic deposits to total assets89.6576%1,138
Equity capital to assets9.3146%3,303
Core capital (leverage) ratio9.1024%3,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0024%1,840
Memoranda:
Average total assets$321,807,6002,334
Average earning assets$306,053,0002,301
Average equity$28,331,6002,626
Average total loans$238,334,2001,996
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9206%1,704
Cost of funding earning assets0.2916%2,673
Net interest margin3.6290%1,528
Noninterest income to average assets0.4534%2,822
Noninterest expense to average assets2.1573%3,201
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.1986%2,175
Return on assets (ROA)1.1986%2,230
Pretax return on assets1.7455%1,290
Return on Equity (ROE)13.8174%1,443
Retained earnings to average equity (ytd only)13.8174%526
Net charge-offs to loans-0.0017%3,188
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4777%3,730
Assets per employee ($millions)6.9195%1,925
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8605%4,247
Loan loss allowance to noncurrent loans5,756.7568%204
Noncurrent assets plus other real estate owned to assets0.2309%2,619
Noncurrent loans to loans0.0149%4,095
Net loans and leases to total assets73.8813%701
Net loans and leases to deposits81.2244%1,172
Net loans and leases to core deposits83.8468%1,437
Total domestic deposits to total assets90.9595%382
Equity capital to assets8.8473%3,964
Core capital (leverage) ratio8.8086%3,742
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7803%2,053
Memoranda:
Average total assets$320,822,5002,364
Average earning assets$304,945,7502,333
Average equity$27,829,0002,694
Average total loans$236,342,2502,050
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9945%1,578
Cost of funding earning assets0.3577%2,250
Net interest margin3.6368%1,505
Noninterest income to average assets0.2940%3,662
Noninterest expense to average assets2.1656%3,199
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.1058%2,525
Return on assets (ROA)1.1058%2,589
Pretax return on assets1.5852%1,778
Return on Equity (ROE)12.8376%1,773
Retained earnings to average equity (ytd only)12.8376%752
Net charge-offs to loans-0.0017%3,166
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8618%3,423
Assets per employee ($millions)6.2998%2,327
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9111%4,126
Loan loss allowance to noncurrent loans5,322.5000%197
Noncurrent assets plus other real estate owned to assets0.0488%3,929
Noncurrent loans to loans0.0171%4,140
Net loans and leases to total assets70.6830%1,129
Net loans and leases to deposits77.4989%1,680
Net loans and leases to core deposits80.1638%1,876
Total domestic deposits to total assets91.2051%305
Equity capital to assets8.6343%4,101
Core capital (leverage) ratio8.5408%3,944
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6466%1,740
Memoranda:
Average total assets$317,051,0002,376
Average earning assets$301,363,0002,340
Average equity$27,310,3332,716
Average total loans$232,617,3332,080
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9716%1,655
Cost of funding earning assets0.4885%1,465
Net interest margin3.4831%1,870
Noninterest income to average assets0.2194%4,071
Noninterest expense to average assets2.1733%3,190
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.6594%3,800
Return on assets (ROA)0.6594%3,876
Pretax return on assets1.3574%2,402
Return on Equity (ROE)7.6651%3,426
Retained earnings to average equity (ytd only)7.6651%2,357
Net charge-offs to loans-0.0017%3,107
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5015%2,975
Assets per employee ($millions)6.7740%1,957
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9026%4,148
Loan loss allowance to noncurrent loans5,066.6667%195
Noncurrent assets plus other real estate owned to assets0.0488%4,026
Noncurrent loans to loans0.0178%4,202
Net loans and leases to total assets70.3874%1,239
Net loans and leases to deposits77.8871%1,730
Net loans and leases to core deposits80.7989%1,932
Total domestic deposits to total assets90.3710%633
Equity capital to assets8.1554%4,392
Core capital (leverage) ratio8.3689%4,250
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5420%1,727
Memoranda:
Average total assets$311,782,5002,387
Average earning assets$296,401,0002,355
Average equity$26,823,0002,745
Average total loans$232,087,0002,087
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8943%604
Cost of funding earning assets0.6224%2,164
Net interest margin4.2720%540
Noninterest income to average assets0.2678%3,877
Noninterest expense to average assets2.3588%3,246
Loan and lease loss provision to assets0.3129%1,191
Net operating income to assets1.1499%1,725
Return on assets (ROA)1.1499%1,849
Pretax return on assets1.6211%1,024
Return on Equity (ROE)12.5080%1,175
Retained earnings to average equity (ytd only)7.0630%1,374
Net charge-offs to loans-0.0287%4,524
Credit loss provision to net charge-offs-1,367.1875%4,117
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6232%4,249
Assets per employee ($millions)6.0758%2,273
Cash dividends to net income (ytd only)*43.5323%2,170
Condition Ratios (%)
Loss allowance to loans0.9312%4,094
Loan loss allowance to noncurrent loans4,834.0909%211
Noncurrent assets plus other real estate owned to assets0.0562%4,058
Noncurrent loans to loans0.0193%4,267
Net loans and leases to total assets77.5908%636
Net loans and leases to deposits88.1481%1,076
Net loans and leases to core deposits91.6638%1,411
Total domestic deposits to total assets88.0232%1,459
Equity capital to assets9.1126%3,960
Core capital (leverage) ratio8.5877%4,115
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1075%1,819
Memoranda:
Average total assets$279,678,8002,397
Average earning assets$263,509,2002,376
Average equity$25,711,6002,753
Average total loans$222,957,0002,087
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8797%767
Cost of funding earning assets0.6776%2,154
Net interest margin4.2020%730
Noninterest income to average assets0.2385%4,065
Noninterest expense to average assets2.3352%3,325
Loan and lease loss provision to assets0.3133%1,274
Net operating income to assets1.0953%1,998
Return on assets (ROA)1.0953%2,125
Pretax return on assets1.5435%1,346
Return on Equity (ROE)11.8868%1,404
Retained earnings to average equity (ytd only)4.5654%2,763
Net charge-offs to loans-0.0373%4,600
Credit loss provision to net charge-offs-1,048.3871%3,928
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3396%4,112
Assets per employee ($millions)6.6491%1,714
Cash dividends to net income (ytd only)*61.5926%1,070
Condition Ratios (%)
Loss allowance to loans0.8118%4,338
Loan loss allowance to noncurrent loans4,130.4348%201
Noncurrent assets plus other real estate owned to assets0.0543%4,169
Noncurrent loans to loans0.0197%4,336
Net loans and leases to total assets75.8985%1,109
Net loans and leases to deposits85.5315%1,760
Net loans and leases to core deposits89.2249%2,040
Total domestic deposits to total assets88.7375%882
Equity capital to assets8.3846%4,527
Core capital (leverage) ratio8.4739%4,319
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6768%1,938
Memoranda:
Average total assets$276,688,7502,395
Average earning assets$260,311,2502,373
Average equity$25,495,5002,760
Average total loans$221,593,2502,093
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8592%1,038
Cost of funding earning assets0.7532%2,098
Net interest margin4.1060%1,099
Noninterest income to average assets0.2420%4,034
Noninterest expense to average assets2.3726%3,335
Loan and lease loss provision to assets0.2622%1,620
Net operating income to assets1.0361%2,202
Return on assets (ROA)1.0361%2,336
Pretax return on assets1.4624%1,555
Return on Equity (ROE)10.8702%1,676
Retained earnings to average equity (ytd only)10.8702%624
Net charge-offs to loans-0.0552%4,707
Credit loss provision to net charge-offs-583.3333%3,639
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4454%3,891
Assets per employee ($millions)6.9070%1,496
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6665%4,642
Loan loss allowance to noncurrent loans3,329.1667%200
Noncurrent assets plus other real estate owned to assets0.0553%4,252
Noncurrent loans to loans0.0200%4,415
Net loans and leases to total assets78.3676%807
Net loans and leases to deposits88.5195%1,502
Net loans and leases to core deposits93.7116%1,768
Total domestic deposits to total assets88.5315%931
Equity capital to assets8.6098%4,416
Core capital (leverage) ratio9.0028%3,896
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2852%2,073
Memoranda:
Average total assets$266,966,0002,431
Average earning assets$250,656,3332,417
Average equity$25,445,6672,751
Average total loans$217,444,0002,104
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0769%834
Cost of funding earning assets0.8880%1,932
Net interest margin4.1889%944
Noninterest income to average assets0.2527%4,037
Noninterest expense to average assets2.5465%3,142
Loan and lease loss provision to assets0.0805%2,704
Net operating income to assets1.0946%1,862
Return on assets (ROA)1.0946%1,958
Pretax return on assets1.5437%1,198
Return on Equity (ROE)10.8429%1,459
Retained earnings to average equity (ytd only)10.8429%590
Net charge-offs to loans-0.1047%4,823
Credit loss provision to net charge-offs-92.5926%3,175
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5137%3,808
Assets per employee ($millions)5.7297%1,906
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.6295%4,719
Loan loss allowance to noncurrent loans2,584.0000%244
Noncurrent assets plus other real estate owned to assets0.0915%4,157
Noncurrent loans to loans0.0244%4,473
Net loans and leases to total assets79.1068%807
Net loans and leases to deposits91.1742%1,380
Net loans and leases to core deposits97.4161%1,687
Total domestic deposits to total assets86.7644%1,663
Equity capital to assets9.8835%3,895
Core capital (leverage) ratio10.1215%3,325
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5220%2,468
Memoranda:
Average total assets$248,494,0002,502
Average earning assets$232,426,5002,486
Average equity$25,085,5002,772
Average total loans$206,283,5002,137
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2958%823
Cost of funding earning assets1.0118%1,675
Net interest margin4.2840%1,127
Noninterest income to average assets0.3587%3,555
Noninterest expense to average assets2.7117%2,850
Loan and lease loss provision to assets0.0064%3,875
Net operating income to assets1.1356%2,307
Return on assets (ROA)1.1356%2,408
Pretax return on assets1.6026%1,479
Return on Equity (ROE)11.0569%1,860
Retained earnings to average equity (ytd only)11.0569%328
Net charge-offs to loans-0.0392%4,772
Credit loss provision to net charge-offs-19.7368%4,124
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1849%3,507
Assets per employee ($millions)5.3145%2,230
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.5731%4,790
Loan loss allowance to noncurrent loans2,284.6154%289
Noncurrent assets plus other real estate owned to assets0.0995%4,126
Noncurrent loans to loans0.0251%4,464
Net loans and leases to total assets86.1883%153
Net loans and leases to deposits100.0757%601
Net loans and leases to core deposits112.1307%749
Total domestic deposits to total assets86.1231%2,022
Equity capital to assets10.3231%3,611
Core capital (leverage) ratio10.0599%3,449
Tier 1 risk-based capital ratio12.3380%4,170
Total risk-based capital ratio12.9556%4,409
Memoranda:
Average total assets$233,615,4002,554
Average earning assets$216,060,0002,558
Average equity$23,994,0002,796
Average total loans$193,960,4002,207
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2270%985
Cost of funding earning assets1.0137%1,707
Net interest margin4.2134%1,349
Noninterest income to average assets0.3370%3,717
Noninterest expense to average assets2.6571%2,991
Loan and lease loss provision to assets0.0086%3,716
Net operating income to assets1.1063%2,547
Return on assets (ROA)1.1063%2,638
Pretax return on assets1.5610%1,779
Return on Equity (ROE)10.7860%2,103
Retained earnings to average equity (ytd only)10.7860%567
Net charge-offs to loans-0.0245%4,641
Credit loss provision to net charge-offs-42.8571%4,009
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2469%3,445
Assets per employee ($millions)5.3032%2,224
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.5684%4,871
Loan loss allowance to noncurrent loans2,124.0741%308
Noncurrent assets plus other real estate owned to assets0.0963%4,227
Noncurrent loans to loans0.0268%4,554
Net loans and leases to total assets80.4994%780
Net loans and leases to deposits92.6634%1,353
Net loans and leases to core deposits100.6971%1,609
Total domestic deposits to total assets86.8730%1,586
Equity capital to assets9.6109%4,374
Core capital (leverage) ratio9.8275%3,816
Tier 1 risk-based capital ratio11.9830%4,426
Total risk-based capital ratio12.5886%4,645
Memoranda:
Average total assets$232,231,0002,587
Average earning assets$214,392,5002,593
Average equity$23,820,5002,822
Average total loans$190,623,0002,248
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2930%826
Cost of funding earning assets1.0186%1,608
Net interest margin4.2744%1,194
Noninterest income to average assets0.3452%3,624
Noninterest expense to average assets2.7013%2,901
Loan and lease loss provision to assets0.0132%3,508
Net operating income to assets1.1167%2,457
Return on assets (ROA)1.1167%2,531
Pretax return on assets1.5758%1,625
Return on Equity (ROE)10.6411%2,118
Retained earnings to average equity (ytd only)10.6411%615
Net charge-offs to loans-0.0353%4,730
Credit loss provision to net charge-offs-45.4545%3,823
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3169%3,537
Assets per employee ($millions)5.1452%2,311
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.5882%4,893
Loan loss allowance to noncurrent loans504.4053%1,013
Noncurrent assets plus other real estate owned to assets0.1784%3,870
Noncurrent loans to loans0.1166%4,153
Net loans and leases to total assets83.5843%405
Net loans and leases to deposits97.7918%862
Net loans and leases to core deposits104.8699%1,311
Total domestic deposits to total assets85.4717%2,278
Equity capital to assets10.5660%3,457
Core capital (leverage) ratio10.0456%3,540
Tier 1 risk-based capital ratio12.4603%4,149
Total risk-based capital ratio13.0826%4,398
Memoranda:
Average total assets$226,558,3302,635
Average earning assets$209,107,6702,644
Average equity$23,775,6702,819
Average total loans$186,900,3302,286
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3581%685
Cost of funding earning assets0.9879%1,619
Net interest margin4.3702%967
Noninterest income to average assets0.2999%3,877
Noninterest expense to average assets2.6920%2,929
Loan and lease loss provision to assets0.0268%3,072
Net operating income to assets1.1407%2,308
Return on assets (ROA)1.1407%2,357
Pretax return on assets1.6084%1,451
Return on Equity (ROE)10.9084%1,978
Retained earnings to average equity (ytd only)10.9084%819
Net charge-offs to loans-0.0546%4,862
Credit loss provision to net charge-offs-60.0000%3,502
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.5611%3,739
Assets per employee ($millions)4.9365%2,604
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.6169%4,905
Loan loss allowance to noncurrent loans568.5000%943
Noncurrent assets plus other real estate owned to assets0.3214%3,311
Noncurrent loans to loans0.1085%4,248
Net loans and leases to total assets82.4616%533
Net loans and leases to deposits93.0859%1,273
Net loans and leases to core deposits104.0328%1,316
Total domestic deposits to total assets88.5865%1,043
Equity capital to assets10.7085%3,154
Core capital (leverage) ratio9.7643%3,853
Tier 1 risk-based capital ratio12.4859%4,177
Total risk-based capital ratio13.1314%4,433
Memoranda:
Average total assets$224,070,0002,690
Average earning assets$206,491,5002,702
Average equity$23,431,5002,848
Average total loans$183,014,5002,334
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9860%1,073
Cost of funding earning assets0.8055%1,498
Net interest margin4.1805%1,446
Noninterest income to average assets0.2796%4,232
Noninterest expense to average assets2.9595%2,166
Loan and lease loss provision to assets0.0028%4,052
Net operating income to assets0.8004%3,804
Return on assets (ROA)0.8004%3,807
Pretax return on assets1.1311%3,163
Return on Equity (ROE)7.6806%3,578
Retained earnings to average equity (ytd only)7.6806%1,383
Net charge-offs to loans-0.0410%4,910
Credit loss provision to net charge-offs-8.4507%4,266
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5652%2,272
Assets per employee ($millions)5.2558%2,200
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.6037%4,962
Loan loss allowance to noncurrent loans527.4038%1,048
Noncurrent assets plus other real estate owned to assets0.3195%3,274
Noncurrent loans to loans0.1145%4,213
Net loans and leases to total assets79.9181%953
Net loans and leases to deposits89.3788%1,880
Net loans and leases to core deposits98.2495%1,852
Total domestic deposits to total assets89.4150%696
Equity capital to assets10.2102%3,458
Core capital (leverage) ratio9.6318%3,969
Tier 1 risk-based capital ratio12.1897%4,301
Total risk-based capital ratio12.8259%4,581
Memoranda:
Average total assets$213,517,4002,744
Average earning assets$194,785,4002,764
Average equity$22,251,0002,882
Average total loans$173,218,0002,409
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9653%1,004
Cost of funding earning assets0.7733%1,459
Net interest margin4.1920%1,376
Noninterest income to average assets0.1755%4,907
Noninterest expense to average assets2.9727%2,098
Loan and lease loss provision to assets0.0038%3,897
Net operating income to assets0.7237%4,154
Return on assets (ROA)0.7237%4,164
Pretax return on assets1.0158%3,675
Return on Equity (ROE)6.9069%3,966
Retained earnings to average equity (ytd only)6.9069%2,175
Net charge-offs to loans-0.0507%4,935
Credit loss provision to net charge-offs-9.2308%4,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3016%1,995
Assets per employee ($millions)4.9197%2,567
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.6064%5,034
Loan loss allowance to noncurrent loans199.8168%2,246
Noncurrent assets plus other real estate owned to assets0.4338%2,952
Noncurrent loans to loans0.3035%3,588
Net loans and leases to total assets82.6163%616
Net loans and leases to deposits92.8112%1,519
Net loans and leases to core deposits105.5995%1,343
Total domestic deposits to total assets89.0154%842
Equity capital to assets10.3623%3,269
Core capital (leverage) ratio9.5134%4,157
Tier 1 risk-based capital ratio11.8158%4,593
Total risk-based capital ratio12.4550%4,844
Memoranda:
Average total assets$210,397,0002,785
Average earning assets$191,566,0002,824
Average equity$22,045,0002,914
Average total loans$171,094,7502,444
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8484%1,130
Cost of funding earning assets0.7187%1,532
Net interest margin4.1296%1,469
Noninterest income to average assets0.2544%4,489
Noninterest expense to average assets3.0512%1,901
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6872%4,232
Return on assets (ROA)0.6872%4,236
Pretax return on assets0.9531%3,797
Return on Equity (ROE)6.5339%4,051
Retained earnings to average equity (ytd only)6.5339%2,294
Net charge-offs to loans-0.0654%5,012
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3634%1,939
Assets per employee ($millions)4.7503%2,743
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.6217%5,067
Loan loss allowance to noncurrent loans467.3913%1,151
Noncurrent assets plus other real estate owned to assets0.2914%3,602
Noncurrent loans to loans0.1330%4,308
Net loans and leases to total assets80.3833%961
Net loans and leases to deposits94.9814%1,252
Net loans and leases to core deposits104.6927%1,338
Total domestic deposits to total assets84.6306%2,826
Equity capital to assets10.3105%3,327
Core capital (leverage) ratio9.5760%4,020
Tier 1 risk-based capital ratio11.9995%4,494
Total risk-based capital ratio12.6529%4,743
Memoranda:
Average total assets$208,373,6702,826
Average earning assets$189,219,0002,859
Average equity$21,916,3302,933
Average total loans$168,150,3302,477
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8456%989
Cost of funding earning assets0.6787%1,549
Net interest margin4.1669%1,258
Noninterest income to average assets0.3228%3,995
Noninterest expense to average assets3.2322%1,495
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.6301%4,337
Return on assets (ROA)0.6301%4,347
Pretax return on assets0.8635%3,971
Return on Equity (ROE)5.9301%4,182
Retained earnings to average equity (ytd only)5.9301%2,739
Net charge-offs to loans-0.0627%5,065
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2194%2,010
Assets per employee ($millions)4.6971%2,855
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.6253%5,139
Loan loss allowance to noncurrent loans443.2203%1,225
Noncurrent assets plus other real estate owned to assets0.3764%3,319
Noncurrent loans to loans0.1411%4,334
Net loans and leases to total assets80.4391%881
Net loans and leases to deposits93.8347%1,238
Net loans and leases to core deposits100.4065%1,656
Total domestic deposits to total assets85.7242%2,666
Equity capital to assets10.4755%3,104
Core capital (leverage) ratio9.4534%4,119
Tier 1 risk-based capital ratio11.8881%4,614
Total risk-based capital ratio12.5373%4,874
Memoranda:
Average total assets$205,679,5002,881
Average earning assets$186,229,5002,928
Average equity$21,854,5002,969
Average total loans$165,773,5002,518
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8532%886
Cost of funding earning assets0.5277%2,114
Net interest margin4.3254%916
Noninterest income to average assets0.5004%2,998
Noninterest expense to average assets3.2035%1,602
Loan and lease loss provision to assets0.0112%4,058
Net operating income to assets0.2247%5,058
Return on assets (ROA)0.2247%5,079
Pretax return on assets1.1693%2,898
Return on Equity (ROE)1.9623%5,062
Retained earnings to average equity (ytd only)1.9623%4,147
Net charge-offs to loans-0.1084%5,388
Credit loss provision to net charge-offs-13.4146%4,593
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2506%2,845
Assets per employee ($millions)4.5486%3,114
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.6210%5,205
Loan loss allowance to noncurrent loans85.6423%3,798
Noncurrent assets plus other real estate owned to assets0.8467%1,842
Noncurrent loans to loans0.7251%2,396
Net loans and leases to total assets79.7491%994
Net loans and leases to deposits94.2156%1,248
Net loans and leases to core deposits100.8370%1,649
Total domestic deposits to total assets84.6453%2,975
Equity capital to assets10.7769%2,866
Core capital (leverage) ratio9.5124%4,034
Tier 1 risk-based capital ratio12.1799%4,409
Total risk-based capital ratio12.8250%4,699
Memoranda:
Average total assets$195,848,2002,960
Average earning assets$175,843,0003,003
Average equity$22,423,0002,908
Average total loans$151,290,4002,641
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7922%938
Cost of funding earning assets0.4987%2,278
Net interest margin4.2935%937
Noninterest income to average assets0.4365%3,431
Noninterest expense to average assets3.1618%1,651
Loan and lease loss provision to assets0.0151%3,840
Net operating income to assets0.6686%4,126
Return on assets (ROA)0.6686%4,185
Pretax return on assets1.1072%3,276
Return on Equity (ROE)5.7503%4,226
Retained earnings to average equity (ytd only)5.7503%2,401
Net charge-offs to loans-0.1378%5,457
Credit loss provision to net charge-offs-14.3791%4,392
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8364%2,736
Assets per employee ($millions)4.6096%2,959
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.6267%5,279
Loan loss allowance to noncurrent loans349.1349%1,411
Noncurrent assets plus other real estate owned to assets0.4097%3,394
Noncurrent loans to loans0.1795%4,349
Net loans and leases to total assets78.8820%1,137
Net loans and leases to deposits90.3714%1,765
Net loans and leases to core deposits96.7976%1,996
Total domestic deposits to total assets87.2864%1,736
Equity capital to assets11.1738%2,700
Core capital (leverage) ratio9.4916%4,180
Tier 1 risk-based capital ratio11.9966%4,624
Total risk-based capital ratio12.6429%4,908
Memoranda:
Average total assets$193,638,5003,006
Average earning assets$173,529,2503,057
Average equity$22,514,0002,922
Average total loans$148,049,0002,689
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7808%894
Cost of funding earning assets0.4877%2,272
Net interest margin4.2931%878
Noninterest income to average assets0.3799%3,831
Noninterest expense to average assets3.2501%1,473
Loan and lease loss provision to assets0.0231%3,530
Net operating income to assets0.5803%4,387
Return on assets (ROA)0.5803%4,443
Pretax return on assets0.9497%3,764
Return on Equity (ROE)4.9234%4,508
Retained earnings to average equity (ytd only)4.9234%2,761
Net charge-offs to loans-0.1211%5,471
Credit loss provision to net charge-offs-25.2874%4,244
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8936%2,355
Assets per employee ($millions)4.6282%2,896
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.6131%5,354
Loan loss allowance to noncurrent loans306.1688%1,552
Noncurrent assets plus other real estate owned to assets0.6010%2,768
Noncurrent loans to loans0.2002%4,316
Net loans and leases to total assets76.8159%1,413
Net loans and leases to deposits86.8704%2,120
Net loans and leases to core deposits93.5460%2,196
Total domestic deposits to total assets88.4258%1,247
Equity capital to assets11.1939%2,601
Core capital (leverage) ratio9.3711%4,265
Tier 1 risk-based capital ratio11.7858%4,767
Total risk-based capital ratio12.4060%5,058
Memoranda:
Average total assets$190,577,3303,054
Average earning assets$170,598,6703,100
Average equity$22,464,3302,930
Average total loans$143,732,3302,745
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6562%1,016
Cost of funding earning assets0.4939%2,143
Net interest margin4.1622%1,066
Noninterest income to average assets0.2833%4,521
Noninterest expense to average assets3.2153%1,564
Loan and lease loss provision to assets0.0472%2,869
Net operating income to assets0.4572%4,749
Return on assets (ROA)0.4572%4,771
Pretax return on assets0.7469%4,295
Return on Equity (ROE)3.7769%4,849
Retained earnings to average equity (ytd only)3.7769%3,560
Net charge-offs to loans-0.0461%5,146
Credit loss provision to net charge-offs-137.5000%3,993
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8929%2,084
Assets per employee ($millions)4.7173%2,816
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.6044%5,470
Loan loss allowance to noncurrent loans185.1380%2,404
Noncurrent assets plus other real estate owned to assets0.8086%2,277
Noncurrent loans to loans0.3265%3,952
Net loans and leases to total assets72.3807%2,019
Net loans and leases to deposits82.1593%2,487
Net loans and leases to core deposits88.2302%2,527
Total domestic deposits to total assets88.0980%1,660
Equity capital to assets11.4478%2,219
Core capital (leverage) ratio9.6958%3,878
Tier 1 risk-based capital ratio12.6233%4,313
Total risk-based capital ratio13.2327%4,627
Memoranda:
Average total assets$186,360,5003,127
Average earning assets$166,833,0003,177
Average equity$22,558,0002,940
Average total loans$138,691,0002,838
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5815%1,322
Cost of funding earning assets0.5290%1,875
Net interest margin4.0524%1,486
Noninterest income to average assets-0.3790%5,905
Noninterest expense to average assets3.5093%1,149
Loan and lease loss provision to assets-0.1793%5,767
Net operating income to assets-0.0356%5,661
Return on assets (ROA)-0.0321%5,674
Pretax return on assets-0.0836%5,686
Return on Equity (ROE)-0.2647%5,676
Retained earnings to average equity (ytd only)-0.2647%5,346
Net charge-offs to loans0.0468%3,099
Credit loss provision to net charge-offs-549.1525%5,185
Earnings coverage of net charge-offs (x)-8.2203%4,232
Efficiency ratio108.2807%139
Assets per employee ($millions)4.5946%2,970
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.6266%5,488
Loan loss allowance to noncurrent loans96.6396%3,701
Noncurrent assets plus other real estate owned to assets1.2664%1,407
Noncurrent loans to loans0.6484%2,913
Net loans and leases to total assets75.7588%1,547
Net loans and leases to deposits87.3878%2,004
Net loans and leases to core deposits94.7928%2,030
Total domestic deposits to total assets86.6926%2,291
Equity capital to assets12.8497%1,325
Core capital (leverage) ratio10.4706%2,908
Tier 1 risk-based capital ratio13.6323%3,688
Total risk-based capital ratio14.2522%3,977
Memoranda:
Average total assets$180,721,0003,156
Average earning assets$161,433,6003,213
Average equity$21,907,8002,990
Average total loans$125,976,8002,982
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5520%1,400
Cost of funding earning assets0.4438%2,609
Net interest margin4.1082%1,368
Noninterest income to average assets-1.3620%5,977
Noninterest expense to average assets3.2421%1,703
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets-0.5520%5,864
Return on assets (ROA)-0.5512%5,867
Pretax return on assets-0.9725%5,899
Return on Equity (ROE)-4.2773%5,852
Retained earnings to average equity (ytd only)-4.2773%5,706
Net charge-offs to loans0.1464%1,530
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)-9.1879%3,919
Efficiency ratio142.9322%43
Assets per employee ($millions)5.1052%2,250
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9959%4,439
Loan loss allowance to noncurrent loans1,211.9403%495
Noncurrent assets plus other real estate owned to assets1.3506%1,393
Noncurrent loans to loans0.0822%5,025
Net loans and leases to total assets79.0604%1,029
Net loans and leases to deposits90.8296%1,655
Net loans and leases to core deposits103.5720%1,375
Total domestic deposits to total assets87.0425%1,872
Equity capital to assets12.7616%1,613
Core capital (leverage) ratio9.0741%4,751
Tier 1 risk-based capital ratio10.9251%5,407
Total risk-based capital ratio11.9382%5,444
Memoranda:
Average total assets$100,632,5004,377
Average earning assets$88,925,2504,451
Average equity$12,967,2504,131
Average total loans$72,859,2503,995
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2972%2,165
Cost of funding earning assets0.4459%2,610
Net interest margin3.8512%2,131
Noninterest income to average assets-2.2308%6,058
Noninterest expense to average assets3.2034%1,802
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets-1.1883%5,985
Return on assets (ROA)-1.1883%5,988
Pretax return on assets-2.0191%6,010
Return on Equity (ROE)-9.1918%5,974
Retained earnings to average equity (ytd only)-9.1918%5,865
Net charge-offs to loans0.2687%889
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)-10.7553%3,650
Efficiency ratio270.4890%12
Assets per employee ($millions)4.6752%2,758
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0734%4,092
Loan loss allowance to noncurrent loans301.1321%1,631
Noncurrent assets plus other real estate owned to assets1.4341%1,356
Noncurrent loans to loans0.3565%4,092
Net loans and leases to total assets74.9091%1,670
Net loans and leases to deposits86.3346%2,211
Net loans and leases to core deposits97.9921%1,807
Total domestic deposits to total assets86.7660%2,029
Equity capital to assets13.0965%1,445
Core capital (leverage) ratio9.0421%4,779
Tier 1 risk-based capital ratio11.5046%5,149
Total risk-based capital ratio12.5873%5,154
Memoranda:
Average total assets$100,142,3304,423
Average earning assets$88,803,0004,491
Average equity$12,946,3304,154
Average total loans$69,967,3304,098
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1695%2,585
Cost of funding earning assets0.4539%2,541
Net interest margin3.7156%2,608
Noninterest income to average assets-4.6794%6,122
Noninterest expense to average assets3.1565%1,938
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets-2.6779%6,091
Return on assets (ROA)-2.6779%6,090
Pretax return on assets-4.5330%6,105
Return on Equity (ROE)-20.8460%6,072
Retained earnings to average equity (ytd only)-20.8460%5,974
Net charge-offs to loans-0.0354%5,139
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio-229.3103%6,119
Assets per employee ($millions)4.8260%2,542
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2992%2,902
Loan loss allowance to noncurrent loans309.6552%1,573
Noncurrent assets plus other real estate owned to assets1.4258%1,454
Noncurrent loans to loans0.4196%3,937
Net loans and leases to total assets67.3146%2,759
Net loans and leases to deposits77.0638%3,101
Net loans and leases to core deposits88.4240%2,523
Total domestic deposits to total assets87.3492%2,030
Equity capital to assets12.5334%1,660
Core capital (leverage) ratio8.7807%5,092
Tier 1 risk-based capital ratio11.8717%4,994
Total risk-based capital ratio13.1223%4,902
Memoranda:
Average total assets$101,124,0004,446
Average earning assets$89,891,5004,503
Average equity$12,990,5004,167
Average total loans$67,779,5004,166
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8208%894
Cost of funding earning assets0.5079%2,092
Net interest margin4.3129%943
Noninterest income to average assets0.3355%4,500
Noninterest expense to average assets3.2814%1,760
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.5288%4,589
Return on assets (ROA)0.5352%4,646
Pretax return on assets0.8515%4,016
Return on Equity (ROE)4.0696%4,911
Retained earnings to average equity (ytd only)4.0696%3,110
Net charge-offs to loans0.0296%3,626
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)41.5000%1,141
Efficiency ratio79.5918%1,731
Assets per employee ($millions)5.3107%1,997
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.3425%2,701
Loan loss allowance to noncurrent loans279.6238%1,761
Noncurrent assets plus other real estate owned to assets2.7105%538
Noncurrent loans to loans0.4801%3,757
Net loans and leases to total assets64.9624%3,129
Net loans and leases to deposits74.9106%3,388
Net loans and leases to core deposits83.9661%2,968
Total domestic deposits to total assets86.7199%2,264
Equity capital to assets13.1602%1,274
Core capital (leverage) ratio10.2396%3,208
Tier 1 risk-based capital ratio13.6045%3,947
Total risk-based capital ratio14.8538%3,879
Memoranda:
Average total assets$98,646,8004,486
Average earning assets$86,624,0004,572
Average equity$12,974,2004,150
Average total loans$67,504,2004,158
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6217%1,281
Cost of funding earning assets0.5196%2,047
Net interest margin4.1022%1,403
Noninterest income to average assets0.3466%4,456
Noninterest expense to average assets3.2366%1,862
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.4399%5,010
Return on assets (ROA)0.4486%5,061
Pretax return on assets0.7191%4,616
Return on Equity (ROE)3.4113%5,252
Retained earnings to average equity (ytd only)3.4113%4,046
Net charge-offs to loans0.1712%1,453
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)5.9653%3,125
Efficiency ratio82.1034%1,382
Assets per employee ($millions)5.2186%2,040
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1514%3,915
Loan loss allowance to noncurrent loans80.4878%4,153
Noncurrent assets plus other real estate owned to assets3.4704%374
Noncurrent loans to loans1.4305%1,765
Net loans and leases to total assets71.4310%2,150
Net loans and leases to deposits82.5045%2,585
Net loans and leases to core deposits92.0883%2,256
Total domestic deposits to total assets86.5783%2,243
Equity capital to assets13.2613%1,324
Core capital (leverage) ratio9.8717%3,809
Tier 1 risk-based capital ratio12.4331%4,805
Total risk-based capital ratio13.5264%4,802
Memoranda:
Average total assets$98,082,7504,549
Average earning assets$85,968,5004,639
Average equity$12,898,0004,202
Average total loans$67,770,0004,185
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6242%1,223
Cost of funding earning assets0.5263%2,015
Net interest margin4.0979%1,356
Noninterest income to average assets0.3663%4,321
Noninterest expense to average assets3.2499%1,845
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.4380%5,014
Return on assets (ROA)0.4380%5,108
Pretax return on assets0.7020%4,645
Return on Equity (ROE)3.3400%5,298
Retained earnings to average equity (ytd only)3.3400%3,920
Net charge-offs to loans0.0933%2,094
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)11.0645%2,324
Efficiency ratio82.2372%1,457
Assets per employee ($millions)4.6576%2,737
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3106%3,183
Loan loss allowance to noncurrent loans423.5577%1,201
Noncurrent assets plus other real estate owned to assets2.6828%672
Noncurrent loans to loans0.3094%4,583
Net loans and leases to total assets67.8271%2,671
Net loans and leases to deposits78.3173%2,988
Net loans and leases to core deposits87.5477%2,599
Total domestic deposits to total assets86.6055%2,373
Equity capital to assets13.1920%1,302
Core capital (leverage) ratio9.5852%4,153
Tier 1 risk-based capital ratio12.6692%4,699
Total risk-based capital ratio13.8827%4,648
Memoranda:
Average total assets$97,726,0004,600
Average earning assets$85,506,3304,693
Average equity$12,814,3304,239
Average total loans$66,476,3304,256
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4687%1,551
Cost of funding earning assets0.5205%2,107
Net interest margin3.9482%1,719
Noninterest income to average assets0.4341%3,740
Noninterest expense to average assets3.2513%1,840
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3972%5,076
Return on assets (ROA)0.3972%5,190
Pretax return on assets0.6306%4,834
Return on Equity (ROE)3.0384%5,363
Retained earnings to average equity (ytd only)3.0384%4,161
Net charge-offs to loans0.2420%984
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)3.8500%2,558
Efficiency ratio83.7553%1,409
Assets per employee ($millions)5.1941%2,118
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3084%3,352
Loan loss allowance to noncurrent loans293.6027%1,630
Noncurrent assets plus other real estate owned to assets2.7491%730
Noncurrent loans to loans0.4457%4,247
Net loans and leases to total assets66.6464%2,663
Net loans and leases to deposits77.3388%2,902
Net loans and leases to core deposits86.0924%2,539
Total domestic deposits to total assets86.1746%2,844
Equity capital to assets13.0725%1,359
Core capital (leverage) ratio9.8854%3,773
Tier 1 risk-based capital ratio12.6207%4,830
Total risk-based capital ratio13.8422%4,761
Memoranda:
Average total assets$97,684,5004,631
Average earning assets$85,305,0004,736
Average equity$12,770,0004,279
Average total loans$66,103,5004,298
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7302%1,239
Cost of funding earning assets0.5859%1,895
Net interest margin4.1444%1,451
Noninterest income to average assets0.2784%5,123
Noninterest expense to average assets3.4544%1,588
Loan and lease loss provision to assets-0.1236%6,187
Net operating income to assets0.3335%5,436
Return on assets (ROA)0.3335%5,502
Pretax return on assets0.5267%5,178
Return on Equity (ROE)2.6188%5,599
Retained earnings to average equity (ytd only)2.6188%4,379
Net charge-offs to loans-0.3957%6,368
Credit loss provision to net charge-offs45.9459%3,572
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.5502%874
Assets per employee ($millions)5.0885%2,215
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.3926%2,981
Loan loss allowance to noncurrent loans232.9082%2,003
Noncurrent assets plus other real estate owned to assets3.2302%596
Noncurrent loans to loans0.5979%3,877
Net loans and leases to total assets66.8694%2,750
Net loans and leases to deposits77.6204%3,015
Net loans and leases to core deposits89.2623%2,355
Total domestic deposits to total assets86.1493%2,753
Equity capital to assets13.0729%1,333
Core capital (leverage) ratio8.9268%5,089
Tier 1 risk-based capital ratio12.3024%5,148
Total risk-based capital ratio13.5532%5,066
Memoranda:
Average total assets$96,254,4004,689
Average earning assets$83,125,2004,819
Average equity$12,257,4004,315
Average total loans$65,457,0004,318
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7556%1,182
Cost of funding earning assets0.5918%1,905
Net interest margin4.1637%1,389
Noninterest income to average assets0.2732%5,256
Noninterest expense to average assets3.4640%1,543
Loan and lease loss provision to assets0.0430%3,538
Net operating income to assets0.2316%5,777
Return on assets (ROA)0.2316%5,835
Pretax return on assets0.3564%5,664
Return on Equity (ROE)1.8308%5,874
Retained earnings to average equity (ytd only)1.8308%5,135
Net charge-offs to loans-0.5094%6,462
Credit loss provision to net charge-offs-12.4000%5,254
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.6626%867
Assets per employee ($millions)5.3548%1,857
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.5493%2,504
Loan loss allowance to noncurrent loans231.9383%1,923
Noncurrent assets plus other real estate owned to assets3.1305%736
Noncurrent loans to loans0.6680%3,937
Net loans and leases to total assets65.7683%2,905
Net loans and leases to deposits75.5408%3,236
Net loans and leases to core deposits85.6138%2,705
Total domestic deposits to total assets87.0634%2,285
Equity capital to assets12.1779%1,921
Core capital (leverage) ratio8.5280%5,631
Tier 1 risk-based capital ratio11.6203%5,725
Total risk-based capital ratio12.8726%5,640
Memoranda:
Average total assets$96,147,7504,739
Average earning assets$82,904,5004,875
Average equity$12,162,0004,355
Average total loans$65,430,5004,356
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7322%1,221
Cost of funding earning assets0.6005%1,893
Net interest margin4.1317%1,421
Noninterest income to average assets0.2715%5,261
Noninterest expense to average assets3.5722%1,346
Loan and lease loss provision to assets0.0658%2,952
Net operating income to assets0.1273%5,993
Return on assets (ROA)0.1273%6,034
Pretax return on assets0.1803%5,973
Return on Equity (ROE)0.9929%6,057
Retained earnings to average equity (ytd only)0.9929%5,360
Net charge-offs to loans-0.7432%6,552
Credit loss provision to net charge-offs-12.9167%5,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.5556%667
Assets per employee ($millions)5.4757%1,717
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.5583%2,635
Loan loss allowance to noncurrent loans207.7689%2,065
Noncurrent assets plus other real estate owned to assets3.3603%713
Noncurrent loans to loans0.7500%3,827
Net loans and leases to total assets66.8517%2,608
Net loans and leases to deposits77.0214%2,929
Net loans and leases to core deposits87.1010%2,410
Total domestic deposits to total assets86.7963%2,580
Equity capital to assets12.4499%1,676
Core capital (leverage) ratio8.8686%5,209
Tier 1 risk-based capital ratio11.3800%5,864
Total risk-based capital ratio12.6321%5,812
Memoranda:
Average total assets$94,283,0004,818
Average earning assets$80,935,6704,961
Average equity$12,086,0004,377
Average total loans$64,585,0004,406
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8470%953
Cost of funding earning assets0.6040%1,940
Net interest margin4.2430%1,113
Noninterest income to average assets0.2778%5,149
Noninterest expense to average assets3.8071%971
Loan and lease loss provision to assets0.1346%1,800
Net operating income to assets0.0000%6,210
Return on assets (ROA)0.0000%6,226
Pretax return on assets-0.0347%6,239
Return on Equity (ROE)0.0000%6,227
Retained earnings to average equity (ytd only)0.0000%5,544
Net charge-offs to loans-0.0946%6,097
Credit loss provision to net charge-offs-206.6667%4,968
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.4444%569
Assets per employee ($millions)5.2028%2,008
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans1.2706%4,279
Loan loss allowance to noncurrent loans144.5230%2,719
Noncurrent assets plus other real estate owned to assets3.5921%718
Noncurrent loans to loans0.8792%3,687
Net loans and leases to total assets67.8697%2,241
Net loans and leases to deposits78.7101%2,459
Net loans and leases to core deposits89.0795%1,996
Total domestic deposits to total assets86.2274%3,243
Equity capital to assets12.8927%1,357
Core capital (leverage) ratio8.9849%5,032
Tier 1 risk-based capital ratio11.6557%5,835
Total risk-based capital ratio12.8687%5,798
Memoranda:
Average total assets$92,143,0004,911
Average earning assets$78,811,5005,055
Average equity$11,993,5004,423
Average total loans$63,410,5004,479
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3594%2,735
Cost of funding earning assets0.6838%1,929
Net interest margin3.6756%3,149
Noninterest income to average assets0.9525%1,518
Noninterest expense to average assets4.0108%864
Loan and lease loss provision to assets0.9673%189
Net operating income to assets-0.5007%6,498
Return on assets (ROA)-0.4731%6,492
Pretax return on assets-0.8311%6,562
Return on Equity (ROE)-4.4121%6,469
Retained earnings to average equity (ytd only)-4.4121%6,337
Net charge-offs to loans1.7606%238
Credit loss provision to net charge-offs84.7581%2,904
Earnings coverage of net charge-offs (x)0.0815%5,063
Efficiency ratio97.7349%553
Assets per employee ($millions)4.7703%2,485
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.2363%4,466
Loan loss allowance to noncurrent loans98.8476%3,644
Noncurrent assets plus other real estate owned to assets3.9675%675
Noncurrent loans to loans1.2507%3,038
Net loans and leases to total assets68.0425%2,352
Net loans and leases to deposits79.1598%2,568
Net loans and leases to core deposits89.9860%2,025
Total domestic deposits to total assets85.9559%3,280
Equity capital to assets13.1438%1,211
Core capital (leverage) ratio8.6623%5,462
Tier 1 risk-based capital ratio11.8496%5,707
Total risk-based capital ratio13.0283%5,685
Memoranda:
Average total assets$108,656,0004,531
Average earning assets$93,154,4004,697
Average equity$11,649,8004,519
Average total loans$70,429,8004,253
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3259%2,885
Cost of funding earning assets0.6802%2,097
Net interest margin3.6457%3,252
Noninterest income to average assets1.0804%1,255
Noninterest expense to average assets4.1014%765
Loan and lease loss provision to assets0.9355%184
Net operating income to assets-0.4737%6,586
Return on assets (ROA)-0.4383%6,588
Pretax return on assets-0.7753%6,653
Return on Equity (ROE)-4.2817%6,582
Retained earnings to average equity (ytd only)-4.2817%6,460
Net charge-offs to loans1.4304%336
Credit loss provision to net charge-offs102.1879%2,291
Earnings coverage of net charge-offs (x)0.1145%4,824
Efficiency ratio97.5070%547
Assets per employee ($millions)4.8358%2,383
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.5299%3,339
Loan loss allowance to noncurrent loans59.0223%4,864
Noncurrent assets plus other real estate owned to assets5.3746%496
Noncurrent loans to loans2.5920%1,643
Net loans and leases to total assets65.0871%2,786
Net loans and leases to deposits75.2762%3,052
Net loans and leases to core deposits86.3569%2,369
Total domestic deposits to total assets86.4644%2,982
Equity capital to assets12.6133%1,519
Core capital (leverage) ratio8.8423%5,340
Tier 1 risk-based capital ratio11.8655%5,865
Total risk-based capital ratio13.1183%5,808
Memoranda:
Average total assets$113,161,0004,477
Average earning assets$97,026,0004,641
Average equity$11,584,0004,580
Average total loans$72,426,5004,211
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3415%2,784
Cost of funding earning assets0.6828%2,202
Net interest margin3.6587%3,140
Noninterest income to average assets1.3857%816
Noninterest expense to average assets4.4537%550
Loan and lease loss provision to assets1.3385%109
Net operating income to assets-0.7419%6,706
Return on assets (ROA)-0.6911%6,703
Pretax return on assets-1.2019%6,769
Return on Equity (ROE)-7.2063%6,693
Retained earnings to average equity (ytd only)-7.2063%6,580
Net charge-offs to loans1.6131%312
Credit loss provision to net charge-offs130.8072%1,733
Earnings coverage of net charge-offs (x)0.0560%4,528
Efficiency ratio98.7294%536
Assets per employee ($millions)4.9613%2,157
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.8257%2,347
Loan loss allowance to noncurrent loans58.7513%4,848
Noncurrent assets plus other real estate owned to assets5.5864%514
Noncurrent loans to loans3.1075%1,420
Net loans and leases to total assets65.4888%2,680
Net loans and leases to deposits74.9970%3,015
Net loans and leases to core deposits87.1923%2,211
Total domestic deposits to total assets87.3219%2,641
Equity capital to assets11.7223%2,109
Core capital (leverage) ratio7.5577%6,432
Tier 1 risk-based capital ratio10.2984%6,569
Total risk-based capital ratio11.5544%6,539
Memoranda:
Average total assets$118,643,0004,377
Average earning assets$101,347,0004,538
Average equity$11,379,0004,645
Average total loans$75,259,6704,126
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5830%1,883
Cost of funding earning assets0.8010%1,519
Net interest margin3.7820%2,514
Noninterest income to average assets0.5100%3,708
Noninterest expense to average assets4.0585%828
Loan and lease loss provision to assets0.3618%895
Net operating income to assets-0.3705%6,616
Return on assets (ROA)-0.3705%6,649
Pretax return on assets-0.6583%6,718
Return on Equity (ROE)-4.2207%6,667
Retained earnings to average equity (ytd only)-4.2207%6,302
Net charge-offs to loans1.7354%284
Credit loss provision to net charge-offs30.6273%2,879
Earnings coverage of net charge-offs (x)-0.2509%3,882
Efficiency ratio107.8795%358
Assets per employee ($millions)4.9294%2,312
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.8459%2,460
Loan loss allowance to noncurrent loans82.1023%3,880
Noncurrent assets plus other real estate owned to assets4.7684%780
Noncurrent loans to loans2.2483%2,333
Net loans and leases to total assets65.6296%2,438
Net loans and leases to deposits72.8277%3,081
Net loans and leases to core deposits81.6406%2,620
Total domestic deposits to total assets90.1163%976
Equity capital to assets8.6687%5,845
Core capital (leverage) ratio5.0065%6,877
Tier 1 risk-based capital ratio6.4691%6,914
Total risk-based capital ratio7.7237%6,919
Memoranda:
Average total assets$91,758,0005,058
Average earning assets$78,899,5005,187
Average equity$8,055,5005,470
Average total loans$62,465,5004,620
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0385%1,463
Cost of funding earning assets1.0637%1,056
Net interest margin3.9748%2,494
Noninterest income to average assets0.8513%2,038
Noninterest expense to average assets4.2332%734
Loan and lease loss provision to assets0.4226%1,504
Net operating income to assets-0.1023%6,289
Return on assets (ROA)0.0264%6,270
Pretax return on assets-0.1717%6,405
Return on Equity (ROE)0.3247%6,256
Retained earnings to average equity (ytd only)0.3247%5,693
Net charge-offs to loans1.0921%968
Credit loss provision to net charge-offs55.3191%4,569
Earnings coverage of net charge-offs (x)0.0652%5,457
Efficiency ratio98.8378%600
Assets per employee ($millions)4.7293%2,604
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.1571%1,635
Loan loss allowance to noncurrent loans66.9990%4,375
Noncurrent assets plus other real estate owned to assets5.6534%651
Noncurrent loans to loans3.2195%1,605
Net loans and leases to total assets67.8445%2,208
Net loans and leases to deposits77.4133%2,602
Net loans and leases to core deposits90.5369%1,776
Total domestic deposits to total assets87.6392%2,457
Equity capital to assets8.8941%5,641
Core capital (leverage) ratio4.7141%6,951
Tier 1 risk-based capital ratio6.0758%6,986
Total risk-based capital ratio7.3339%6,991
Memoranda:
Average total assets$98,435,6004,876
Average earning assets$84,986,2004,988
Average equity$8,007,8005,503
Average total loans$68,857,4004,395
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1175%1,387
Cost of funding earning assets1.1069%1,036
Net interest margin4.0106%2,459
Noninterest income to average assets0.4732%4,115
Noninterest expense to average assets4.1372%790
Loan and lease loss provision to assets0.1856%3,268
Net operating income to assets-0.2529%6,534
Return on assets (ROA)-0.1339%6,523
Pretax return on assets-0.2015%6,543
Return on Equity (ROE)-1.6808%6,547
Retained earnings to average equity (ytd only)-1.6808%6,358
Net charge-offs to loans0.9797%1,089
Credit loss provision to net charge-offs27.0270%4,847
Earnings coverage of net charge-offs (x)-0.2857%5,440
Efficiency ratio104.9781%405
Assets per employee ($millions)4.9163%2,302
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0124%2,134
Loan loss allowance to noncurrent loans82.4051%3,764
Noncurrent assets plus other real estate owned to assets4.9824%899
Noncurrent loans to loans2.4421%2,355
Net loans and leases to total assets67.8703%2,319
Net loans and leases to deposits78.5394%2,593
Net loans and leases to core deposits97.0858%1,329
Total domestic deposits to total assets86.4157%3,032
Equity capital to assets8.5484%6,223
Core capital (leverage) ratio4.4349%7,060
Tier 1 risk-based capital ratio5.7331%7,092
Total risk-based capital ratio6.9912%7,094
Memoranda:
Average total assets$100,580,2504,864
Average earning assets$86,967,7504,989
Average equity$8,011,7505,555
Average total loans$70,495,0004,384
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0102%1,761
Cost of funding earning assets1.1793%897
Net interest margin3.8309%3,216
Noninterest income to average assets0.4351%4,398
Noninterest expense to average assets4.1293%804
Loan and lease loss provision to assets0.2719%2,409
Net operating income to assets-0.4039%6,684
Return on assets (ROA)-0.2622%6,653
Pretax return on assets-0.4195%6,708
Return on Equity (ROE)-3.3663%6,695
Retained earnings to average equity (ytd only)-3.3663%6,501
Net charge-offs to loans1.1322%953
Credit loss provision to net charge-offs34.1463%4,372
Earnings coverage of net charge-offs (x)-0.4634%5,224
Efficiency ratio109.8140%334
Assets per employee ($millions)4.9729%2,210
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.0350%2,140
Loan loss allowance to noncurrent loans75.3739%3,974
Noncurrent assets plus other real estate owned to assets5.2559%880
Noncurrent loans to loans2.6999%2,227
Net loans and leases to total assets71.8908%1,577
Net loans and leases to deposits82.8952%1,994
Net loans and leases to core deposits102.5592%946
Total domestic deposits to total assets86.7249%2,946
Equity capital to assets8.3812%6,317
Core capital (leverage) ratio4.1238%7,125
Tier 1 risk-based capital ratio5.3662%7,152
Total risk-based capital ratio6.6243%7,154
Memoranda:
Average total assets$102,970,6704,828
Average earning assets$89,377,6704,955
Average equity$8,020,6705,570
Average total loans$72,427,0004,332
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8019%2,629
Cost of funding earning assets1.1941%1,018
Net interest margin3.6078%4,233
Noninterest income to average assets0.3992%4,680
Noninterest expense to average assets3.8988%1,068
Loan and lease loss provision to assets0.5223%1,152
Net operating income to assets-0.5708%6,866
Return on assets (ROA)-0.5708%6,889
Pretax return on assets-0.8656%6,947
Return on Equity (ROE)-7.5822%6,938
Retained earnings to average equity (ytd only)-7.5822%6,742
Net charge-offs to loans0.0919%3,601
Credit loss provision to net charge-offs823.5294%424
Earnings coverage of net charge-offs (x)-5.4118%4,667
Efficiency ratio109.6537%342
Assets per employee ($millions)5.5535%1,653
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.4922%1,369
Loan loss allowance to noncurrent loans35.0983%5,903
Noncurrent assets plus other real estate owned to assets7.5504%532
Noncurrent loans to loans7.1005%618
Net loans and leases to total assets66.8556%2,322
Net loans and leases to deposits77.7165%2,570
Net loans and leases to core deposits94.9001%1,381
Total domestic deposits to total assets86.0250%3,512
Equity capital to assets7.6083%6,735
Core capital (leverage) ratio3.8806%7,188
Tier 1 risk-based capital ratio5.1803%7,209
Total risk-based capital ratio6.4442%7,211
Memoranda:
Average total assets$107,213,5004,768
Average earning assets$93,797,0004,855
Average equity$8,071,5005,572
Average total loans$73,972,0004,317
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9275%3,220
Cost of funding earning assets1.5672%540
Net interest margin3.3603%5,610
Noninterest income to average assets0.4186%4,463
Noninterest expense to average assets3.6319%1,684
Loan and lease loss provision to assets1.6348%429
Net operating income to assets-1.0548%6,765
Return on assets (ROA)-1.0553%6,787
Pretax return on assets-1.8147%6,984
Return on Equity (ROE)-14.2051%6,871
Retained earnings to average equity (ytd only)-14.2051%6,846
Net charge-offs to loans4.2935%125
Credit loss provision to net charge-offs53.1250%5,345
Earnings coverage of net charge-offs (x)-0.0582%5,868
Efficiency ratio105.1861%533
Assets per employee ($millions)5.7321%1,422
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.2223%1,763
Loan loss allowance to noncurrent loans54.1935%4,802
Noncurrent assets plus other real estate owned to assets5.4449%945
Noncurrent loans to loans4.1007%1,513
Net loans and leases to total assets67.8698%2,426
Net loans and leases to deposits79.3816%2,626
Net loans and leases to core deposits97.9020%1,335
Total domestic deposits to total assets85.4981%3,595
Equity capital to assets7.4511%6,830
Core capital (leverage) ratio3.8411%7,217
Tier 1 risk-based capital ratio5.2836%7,233
Total risk-based capital ratio6.5467%7,235
Memoranda:
Average total assets$120,626,2004,386
Average earning assets$108,920,0004,422
Average equity$8,961,6005,289
Average total loans$86,456,2003,950
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8947%3,582
Cost of funding earning assets1.5967%587
Net interest margin3.2979%5,864
Noninterest income to average assets0.3712%4,899
Noninterest expense to average assets3.2395%2,697
Loan and lease loss provision to assets1.2604%601
Net operating income to assets-0.5762%6,683
Return on assets (ROA)-0.5762%6,725
Pretax return on assets-1.1309%6,916
Return on Equity (ROE)-7.7615%6,802
Retained earnings to average equity (ytd only)-7.7615%6,752
Net charge-offs to loans3.4225%240
Credit loss provision to net charge-offs51.0266%5,017
Earnings coverage of net charge-offs (x)0.0524%5,558
Efficiency ratio96.1563%810
Assets per employee ($millions)6.0527%1,172
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.8630%965
Loan loss allowance to noncurrent loans39.1786%5,663
Noncurrent assets plus other real estate owned to assets5.5224%1,009
Noncurrent loans to loans7.3076%660
Net loans and leases to total assets64.4354%3,223
Net loans and leases to deposits74.2654%3,619
Net loans and leases to core deposits89.2552%2,331
Total domestic deposits to total assets86.7636%2,788
Equity capital to assets7.3067%6,981
Core capital (leverage) ratio4.5109%7,275
Tier 1 risk-based capital ratio6.4606%7,275
Total risk-based capital ratio7.7272%7,275
Memoranda:
Average total assets$123,555,2504,327
Average earning assets$112,309,5004,351
Average equity$9,173,2505,265
Average total loans$89,171,0003,924
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0232%3,048
Cost of funding earning assets1.6402%588
Net interest margin3.3830%5,599
Noninterest income to average assets0.5097%3,780
Noninterest expense to average assets3.1032%3,241
Loan and lease loss provision to assets0.5322%1,836
Net operating income to assets0.0675%6,083
Return on assets (ROA)0.0675%6,165
Pretax return on assets-0.0482%6,318
Return on Equity (ROE)0.9049%6,108
Retained earnings to average equity (ytd only)0.9049%5,506
Net charge-offs to loans3.2498%296
Credit loss provision to net charge-offs22.1109%5,105
Earnings coverage of net charge-offs (x)0.2011%5,160
Efficiency ratio86.5083%1,546
Assets per employee ($millions)5.9429%1,221
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.5301%1,402
Loan loss allowance to noncurrent loans37.7491%5,785
Noncurrent assets plus other real estate owned to assets5.5224%1,068
Noncurrent loans to loans6.7025%803
Net loans and leases to total assets69.5769%2,304
Net loans and leases to deposits80.2492%2,747
Net loans and leases to core deposits101.3268%1,225
Total domestic deposits to total assets86.7011%2,925
Equity capital to assets7.5160%6,940
Core capital (leverage) ratio5.1928%7,285
Tier 1 risk-based capital ratio6.9074%7,314
Total risk-based capital ratio8.1728%7,320
Memoranda:
Average total assets$124,389,3304,336
Average earning assets$113,154,0004,356
Average equity$9,282,6705,243
Average total loans$92,128,0003,885
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0183%3,021
Cost of funding earning assets1.6881%583
Net interest margin3.3302%5,676
Noninterest income to average assets0.3704%4,947
Noninterest expense to average assets2.9891%3,693
Loan and lease loss provision to assets0.9341%848
Net operating income to assets-0.2899%6,651
Return on assets (ROA)-0.2899%6,667
Pretax return on assets-0.5218%6,763
Return on Equity (ROE)-3.8986%6,732
Retained earnings to average equity (ytd only)-3.8986%6,402
Net charge-offs to loans0.6450%1,916
Credit loss provision to net charge-offs192.0530%1,541
Earnings coverage of net charge-offs (x)0.8477%4,003
Efficiency ratio87.8788%1,529
Assets per employee ($millions)5.8157%1,326
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.8378%475
Loan loss allowance to noncurrent loans59.7749%4,434
Noncurrent assets plus other real estate owned to assets5.6293%1,057
Noncurrent loans to loans6.4204%946
Net loans and leases to total assets73.0187%1,511
Net loans and leases to deposits84.4751%1,955
Net loans and leases to core deposits108.2850%830
Total domestic deposits to total assets86.4381%3,269
Equity capital to assets7.5199%6,858
Core capital (leverage) ratio5.1397%7,348
Tier 1 risk-based capital ratio6.6674%7,389
Total risk-based capital ratio7.9489%7,395
Memoranda:
Average total assets$124,184,0004,370
Average earning assets$113,027,0004,382
Average equity$9,234,0005,254
Average total loans$93,649,0003,889
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3583%2,865
Cost of funding earning assets1.9587%700
Net interest margin3.3996%5,634
Noninterest income to average assets0.2595%5,943
Noninterest expense to average assets4.6003%593
Loan and lease loss provision to assets2.7410%379
Net operating income to assets-1.5628%6,925
Return on assets (ROA)-1.5324%6,936
Pretax return on assets-3.9972%7,437
Return on Equity (ROE)-17.4732%6,988
Retained earnings to average equity (ytd only)-17.4732%6,955
Net charge-offs to loans2.6494%689
Credit loss provision to net charge-offs133.2048%2,940
Earnings coverage of net charge-offs (x)-0.6336%6,511
Efficiency ratio139.5522%261
Assets per employee ($millions)5.4887%1,592
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.6167%542
Loan loss allowance to noncurrent loans54.7550%4,734
Noncurrent assets plus other real estate owned to assets5.5585%1,108
Noncurrent loans to loans6.6052%891
Net loans and leases to total assets72.1980%2,056
Net loans and leases to deposits84.7494%2,332
Net loans and leases to core deposits115.3142%664
Total domestic deposits to total assets85.1900%3,759
Equity capital to assets7.3543%6,971
Core capital (leverage) ratio5.1525%7,403
Tier 1 risk-based capital ratio6.8585%7,437
Total risk-based capital ratio8.1374%7,439
Memoranda:
Average total assets$126,013,8004,352
Average earning assets$112,573,6004,409
Average equity$11,051,2004,850
Average total loans$97,871,4003,856
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4289%2,748
Cost of funding earning assets1.9740%814
Net interest margin3.4548%5,471
Noninterest income to average assets0.1799%6,592
Noninterest expense to average assets3.6382%1,699
Loan and lease loss provision to assets1.8556%671
Net operating income to assets-0.2193%6,344
Return on assets (ROA)-0.1821%6,371
Pretax return on assets-2.1859%7,244
Return on Equity (ROE)-1.9954%6,400
Retained earnings to average equity (ytd only)-1.9954%6,200
Net charge-offs to loans2.8220%574
Credit loss provision to net charge-offs83.9157%5,005
Earnings coverage of net charge-offs (x)-0.1757%6,163
Efficiency ratio111.9544%491
Assets per employee ($millions)5.1294%2,022
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3163%1,604
Loan loss allowance to noncurrent loans34.0168%6,064
Noncurrent assets plus other real estate owned to assets5.6973%1,069
Noncurrent loans to loans6.8094%848
Net loans and leases to total assets73.1051%1,998
Net loans and leases to deposits86.9308%2,161
Net loans and leases to core deposits119.0181%647
Total domestic deposits to total assets84.0957%4,066
Equity capital to assets8.6333%6,122
Core capital (leverage) ratio6.8922%7,215
Tier 1 risk-based capital ratio8.9778%7,369
Total risk-based capital ratio10.2391%7,385
Memoranda:
Average total assets$125,957,5004,415
Average earning assets$111,917,7504,485
Average equity$11,493,0004,811
Average total loans$98,698,7503,900
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5394%2,372
Cost of funding earning assets1.9717%981
Net interest margin3.5676%4,957
Noninterest income to average assets0.1214%6,996
Noninterest expense to average assets3.8946%1,193
Loan and lease loss provision to assets1.2524%1,112
Net operating income to assets0.4824%4,402
Return on assets (ROA)0.4824%4,563
Pretax return on assets-1.8866%7,207
Return on Equity (ROE)5.1918%4,192
Retained earnings to average equity (ytd only)5.1918%2,788
Net charge-offs to loans2.6885%615
Credit loss provision to net charge-offs58.5512%5,239
Earnings coverage of net charge-offs (x)-0.2965%5,928
Efficiency ratio119.4512%425
Assets per employee ($millions)5.3727%1,729
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0409%2,090
Loan loss allowance to noncurrent loans24.4689%6,709
Noncurrent assets plus other real estate owned to assets6.9774%760
Noncurrent loans to loans8.3407%608
Net loans and leases to total assets74.5969%1,787
Net loans and leases to deposits88.9906%2,004
Net loans and leases to core deposits110.5773%1,130
Total domestic deposits to total assets83.8257%4,188
Equity capital to assets9.0193%5,415
Core capital (leverage) ratio8.0746%6,159
Tier 1 risk-based capital ratio9.0339%7,409
Total risk-based capital ratio10.2905%7,419
Memoranda:
Average total assets$125,198,0004,466
Average earning assets$110,157,0004,552
Average equity$11,633,6704,771
Average total loans$99,608,3303,911
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4274%2,909
Cost of funding earning assets2.0270%1,006
Net interest margin3.4004%5,578
Noninterest income to average assets0.2595%6,073
Noninterest expense to average assets3.2337%2,747
Loan and lease loss provision to assets1.9169%583
Net operating income to assets2.1310%280
Return on assets (ROA)2.1310%306
Pretax return on assets-1.8877%7,379
Return on Equity (ROE)22.5861%249
Retained earnings to average equity (ytd only)22.5861%140
Net charge-offs to loans0.3629%2,963
Credit loss provision to net charge-offs649.4505%672
Earnings coverage of net charge-offs (x)0.0989%4,944
Efficiency ratio99.1054%877
Assets per employee ($millions)5.7230%1,481
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.0520%784
Loan loss allowance to noncurrent loans35.0200%6,047
Noncurrent assets plus other real estate owned to assets8.0616%611
Noncurrent loans to loans8.7150%578
Net loans and leases to total assets77.1766%1,299
Net loans and leases to deposits94.6984%1,269
Net loans and leases to core deposits127.4311%551
Total domestic deposits to total assets81.4973%5,270
Equity capital to assets9.4904%4,548
Core capital (leverage) ratio8.6753%5,060
Tier 1 risk-based capital ratio9.5134%7,301
Total risk-based capital ratio10.7815%7,283
Memoranda:
Average total assets$123,324,5004,556
Average earning assets$108,928,0004,637
Average equity$11,635,5004,807
Average total loans$100,316,0003,952
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2228%1,185
Cost of funding earning assets2.3776%1,372
Net interest margin3.8452%3,507
Noninterest income to average assets1.3481%818
Noninterest expense to average assets3.4698%2,453
Loan and lease loss provision to assets1.6124%1,418
Net operating income to assets-0.2729%5,933
Return on assets (ROA)-0.2729%5,928
Pretax return on assets-0.2713%5,803
Return on Equity (ROE)-3.0195%5,988
Retained earnings to average equity (ytd only)-3.0195%5,705
Net charge-offs to loans1.1067%2,207
Credit loss provision to net charge-offs171.4757%2,479
Earnings coverage of net charge-offs (x)1.4262%4,697
Efficiency ratio72.1238%4,243
Assets per employee ($millions)5.4883%1,655
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.5487%1,170
Loan loss allowance to noncurrent loans116.9027%2,411
Noncurrent assets plus other real estate owned to assets2.4921%2,805
Noncurrent loans to loans2.1802%3,407
Net loans and leases to total assets81.0349%834
Net loans and leases to deposits102.0207%753
Net loans and leases to core deposits142.3952%724
Total domestic deposits to total assets79.4299%5,869
Equity capital to assets9.3769%4,594
Core capital (leverage) ratio9.5791%3,628
Tier 1 risk-based capital ratio10.0175%6,857
Total risk-based capital ratio11.2685%6,826
Memoranda:
Average total assets$128,999,2004,357
Average earning assets$116,170,0004,391
Average equity$11,657,4004,823
Average total loans$109,609,4003,708
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3516%1,025
Cost of funding earning assets2.4567%1,423
Net interest margin3.8949%3,250
Noninterest income to average assets1.5524%620
Noninterest expense to average assets3.2503%3,125
Loan and lease loss provision to assets1.7579%1,050
Net operating income to assets0.0549%5,594
Return on assets (ROA)0.0549%5,628
Pretax return on assets0.0570%5,605
Return on Equity (ROE)0.6132%5,611
Retained earnings to average equity (ytd only)0.6132%4,944
Net charge-offs to loans0.8471%2,270
Credit loss provision to net charge-offs243.0380%1,792
Earnings coverage of net charge-offs (x)2.5091%3,972
Efficiency ratio64.1695%5,716
Assets per employee ($millions)5.5131%1,606
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.7476%835
Loan loss allowance to noncurrent loans91.6751%2,996
Noncurrent assets plus other real estate owned to assets2.5524%2,718
Noncurrent loans to loans2.9971%2,519
Net loans and leases to total assets82.8219%693
Net loans and leases to deposits106.2731%640
Net loans and leases to core deposits152.5770%522
Total domestic deposits to total assets77.9331%6,106
Equity capital to assets10.1481%3,909
Core capital (leverage) ratio9.6064%3,782
Tier 1 risk-based capital ratio10.5834%6,366
Total risk-based capital ratio11.8168%6,360
Memoranda:
Average total assets$131,063,2504,356
Average earning assets$118,204,0004,380
Average equity$11,741,2504,856
Average total loans$111,911,0003,691
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4305%943
Cost of funding earning assets2.5233%1,535
Net interest margin3.9072%3,086
Noninterest income to average assets0.3628%5,611
Noninterest expense to average assets3.2300%3,236
Loan and lease loss provision to assets0.5729%2,719
Net operating income to assets0.0793%5,625
Return on assets (ROA)0.0793%5,718
Pretax return on assets0.0808%5,716
Return on Equity (ROE)0.9200%5,652
Retained earnings to average equity (ytd only)0.9200%4,811
Net charge-offs to loans0.2011%4,280
Credit loss provision to net charge-offs333.3333%1,387
Earnings coverage of net charge-offs (x)3.8034%3,305
Efficiency ratio83.1694%2,582
Assets per employee ($millions)4.4091%2,917
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.7092%2,309
Loan loss allowance to noncurrent loans62.8599%4,309
Noncurrent assets plus other real estate owned to assets2.2870%2,847
Noncurrent loans to loans2.7191%2,646
Net loans and leases to total assets82.6723%832
Net loans and leases to deposits102.4377%1,040
Net loans and leases to core deposits141.5779%951
Total domestic deposits to total assets80.7050%5,188
Equity capital to assets8.5709%5,943
Core capital (leverage) ratio8.5135%5,422
Tier 1 risk-based capital ratio9.0157%7,689
Total risk-based capital ratio10.2388%7,724
Memoranda:
Average total assets$136,159,3304,255
Average earning assets$122,696,6704,304
Average equity$11,738,6704,881
Average total loans$116,349,3303,618
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3418%1,187
Cost of funding earning assets2.5432%1,759
Net interest margin3.7986%3,445
Noninterest income to average assets0.3885%5,311
Noninterest expense to average assets3.0729%3,476
Loan and lease loss provision to assets0.2472%3,997
Net operating income to assets0.5122%4,365
Return on assets (ROA)0.5122%4,555
Pretax return on assets0.5151%5,038
Return on Equity (ROE)5.9232%4,072
Retained earnings to average equity (ytd only)5.9232%2,666
Net charge-offs to loans0.0513%4,756
Credit loss provision to net charge-offs560.0000%1,003
Earnings coverage of net charge-offs (x)17.2667%1,516
Efficiency ratio80.1228%2,800
Assets per employee ($millions)4.4216%2,844
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5121%2,914
Loan loss allowance to noncurrent loans69.1130%4,128
Noncurrent assets plus other real estate owned to assets1.8589%3,132
Noncurrent loans to loans2.1879%2,996
Net loans and leases to total assets83.6785%737
Net loans and leases to deposits103.8508%1,018
Net loans and leases to core deposits136.2480%1,290
Total domestic deposits to total assets80.5758%5,143
Equity capital to assets8.6328%5,865
Core capital (leverage) ratio8.8103%4,965
Tier 1 risk-based capital ratio8.9113%7,839
Total risk-based capital ratio10.1628%7,877
Memoranda:
Average total assets$135,897,5004,290
Average earning assets$123,309,5004,299
Average equity$11,750,5004,913
Average total loans$117,042,0003,621
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8606%1,514
Cost of funding earning assets3.0320%1,743
Net interest margin3.8286%3,898
Noninterest income to average assets0.3970%5,496
Noninterest expense to average assets3.5494%2,271
Loan and lease loss provision to assets0.7837%1,903
Net operating income to assets-0.4067%6,830
Return on assets (ROA)-0.3666%6,661
Pretax return on assets-0.3651%6,513
Return on Equity (ROE)-4.1393%6,766
Retained earnings to average equity (ytd only)-4.1393%6,350
Net charge-offs to loans0.6886%1,780
Credit loss provision to net charge-offs133.8403%3,971
Earnings coverage of net charge-offs (x)0.6464%5,837
Efficiency ratio90.3646%1,488
Assets per employee ($millions)4.2101%3,097
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.4385%2,981
Loan loss allowance to noncurrent loans56.1940%5,166
Noncurrent assets plus other real estate owned to assets2.2349%2,184
Noncurrent loans to loans2.5599%2,124
Net loans and leases to total assets86.0515%598
Net loans and leases to deposits108.0538%968
Net loans and leases to core deposits131.6990%1,744
Total domestic deposits to total assets79.6376%5,152
Equity capital to assets8.6607%5,860
Core capital (leverage) ratio8.5812%5,424
Tier 1 risk-based capital ratio8.8210%7,892
Total risk-based capital ratio10.0715%7,944
Memoranda:
Average total assets$134,754,0004,191
Average earning assets$124,275,0004,168
Average equity$11,934,4004,845
Average total loans$114,588,6003,573