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Fortis Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8034%3,451
Cost of funding earning assets1.6862%2,757
Net interest margin3.1172%3,186
Noninterest income to average assets0.2800%3,001
Noninterest expense to average assets2.7182%1,709
Loan and lease loss provision to assets-0.0100%4,145
Net operating income to assets0.4317%3,678
Return on assets (ROA)0.4317%3,703
Pretax return on assets0.5728%3,618
Return on Equity (ROE)5.4800%3,450
Retained earnings to average equity (ytd only)5.4758%2,436
Net charge-offs to loans0.0160%1,691
Credit loss provision to net charge-offs373.8095%627
Earnings coverage of net charge-offs (x)43.4286%1,056
Efficiency ratio82.9660%774
Assets per employee ($millions)15.0987%222
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.9064%3,591
Loan loss allowance to noncurrent loans260.6110%1,805
Noncurrent assets plus other real estate owned to assets0.2816%2,144
Noncurrent loans to loans0.3478%2,260
Net loans and leases to total assets80.2300%573
Net loans and leases to deposits88.0309%1,301
Net loans and leases to core deposits98.0767%1,500
Total domestic deposits to total assets91.1400%483
Equity capital to assets7.9430%3,624
Core capital (leverage) ratio8.5377%4,065
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3665%2,399
Memoranda:
Average total assets$1,307,321,500825
Average earning assets$1,255,354,500799
Average equity$103,072,5001,019
Average total loans$1,046,809,000743
2024-12-31Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7936%3,437
Cost of funding earning assets2.4060%1,343
Net interest margin2.3876%4,010
Noninterest income to average assets0.2700%3,250
Noninterest expense to average assets2.5547%2,149
Loan and lease loss provision to assets0.0900%1,528
Net operating income to assets-0.0628%4,230
Return on assets (ROA)-0.0628%4,244
Pretax return on assets-0.0833%4,234
Return on Equity (ROE)-0.8100%4,238
Retained earnings to average equity (ytd only)-0.8105%4,076
Net charge-offs to loans0.0684%1,446
Credit loss provision to net charge-offs231.7716%1,048
Earnings coverage of net charge-offs (x)0.2182%2,986
Efficiency ratio99.5546%288
Assets per employee ($millions)15.8666%184
Cash dividends to net income (ytd only)*0.0000%3,369
Condition Ratios (%)
Loss allowance to loans0.9246%3,555
Loan loss allowance to noncurrent loans227.0560%2,018
Noncurrent assets plus other real estate owned to assets0.3224%1,956
Noncurrent loans to loans0.4072%2,063
Net loans and leases to total assets78.4400%845
Net loans and leases to deposits87.4623%1,453
Net loans and leases to core deposits100.7557%1,404
Total domestic deposits to total assets89.6900%916
Equity capital to assets7.8249%3,610
Core capital (leverage) ratio8.5111%4,068
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6248%2,346
Memoranda:
Average total assets$1,303,550,200820
Average earning assets$1,252,224,800791
Average equity$101,053,4001,009
Average total loans$997,963,400757
2024-09-30Rank
Percentage of unprofitable institutions100.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7825%3,415
Cost of funding earning assets2.5793%1,021
Net interest margin2.2032%4,165
Noninterest income to average assets0.2700%3,229
Noninterest expense to average assets2.5192%2,188
Loan and lease loss provision to assets0.0900%1,382
Net operating income to assets-0.1711%4,313
Return on assets (ROA)-0.1711%4,335
Pretax return on assets-0.2271%4,337
Return on Equity (ROE)-2.2100%4,326
Retained earnings to average equity (ytd only)-2.2128%4,214
Net charge-offs to loans0.0842%1,090
Credit loss provision to net charge-offs185.9200%1,138
Earnings coverage of net charge-offs (x)-2.0880%4,473
Efficiency ratio105.5920%212
Assets per employee ($millions)17.1426%148
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.9018%3,652
Loan loss allowance to noncurrent loans179.5063%2,375
Noncurrent assets plus other real estate owned to assets0.3817%1,734
Noncurrent loans to loans0.5024%1,821
Net loans and leases to total assets75.3000%1,212
Net loans and leases to deposits85.6839%1,669
Net loans and leases to core deposits104.5810%1,211
Total domestic deposits to total assets87.8800%1,278
Equity capital to assets7.6114%3,918
Core capital (leverage) ratio8.4218%4,148
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8919%2,281
Memoranda:
Average total assets$1,304,173,000813
Average earning assets$1,253,276,750786
Average equity$100,865,0001,002
Average total loans$989,922,250758
2024-06-30Rank
Percentage of unprofitable institutions100.0000%2
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7576%3,354
Cost of funding earning assets2.5924%937
Net interest margin2.1652%4,192
Noninterest income to average assets0.1900%3,743
Noninterest expense to average assets2.5571%2,074
Loan and lease loss provision to assets-0.0500%4,317
Net operating income to assets-0.1783%4,341
Return on assets (ROA)-0.1783%4,361
Pretax return on assets-0.2365%4,358
Return on Equity (ROE)-2.2900%4,354
Retained earnings to average equity (ytd only)-2.2931%4,161
Net charge-offs to loans0.0387%1,417
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)-9.7000%4,524
Efficiency ratio112.5451%167
Assets per employee ($millions)16.8141%146
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.8702%3,781
Loan loss allowance to noncurrent loans193.7299%2,341
Noncurrent assets plus other real estate owned to assets0.3499%1,759
Noncurrent loans to loans0.4492%1,874
Net loans and leases to total assets77.2300%1,007
Net loans and leases to deposits94.9645%870
Net loans and leases to core deposits118.4392%679
Total domestic deposits to total assets81.3200%3,219
Equity capital to assets8.1075%3,364
Core capital (leverage) ratio8.8669%3,841
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6635%2,004
Memoranda:
Average total assets$1,293,190,333821
Average earning assets$1,243,232,667792
Average equity$100,562,000996
Average total loans$981,240,667763
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7121%3,302
Cost of funding earning assets2.6443%776
Net interest margin2.0678%4,279
Noninterest income to average assets0.1700%3,835
Noninterest expense to average assets2.4583%2,360
Loan and lease loss provision to assets-0.0500%4,346
Net operating income to assets-0.1982%4,380
Return on assets (ROA)-0.1982%4,366
Pretax return on assets-0.2547%4,367
Return on Equity (ROE)-2.6000%4,368
Retained earnings to average equity (ytd only)-2.6015%3,981
Net charge-offs to loans0.0474%1,057
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)-8.5983%4,542
Efficiency ratio114.1850%151
Assets per employee ($millions)16.9427%152
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.8781%3,765
Loan loss allowance to noncurrent loans207.5122%2,358
Noncurrent assets plus other real estate owned to assets0.3063%1,888
Noncurrent loans to loans0.4232%1,867
Net loans and leases to total assets71.7500%1,590
Net loans and leases to deposits86.0541%1,524
Net loans and leases to core deposits109.5644%955
Total domestic deposits to total assets83.3800%2,890
Equity capital to assets7.5106%3,670
Core capital (leverage) ratio8.6155%4,006
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7579%1,966
Memoranda:
Average total assets$1,317,663,500816
Average earning assets$1,265,685,000784
Average equity$100,404,500993
Average total loans$987,206,000759
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7160%2,644
Cost of funding earning assets2.3875%474
Net interest margin2.3285%4,240
Noninterest income to average assets0.2500%3,442
Noninterest expense to average assets2.3190%2,801
Loan and lease loss provision to assets0.1400%913
Net operating income to assets-0.0420%4,405
Return on assets (ROA)-0.0551%4,398
Pretax return on assets-0.0031%4,356
Return on Equity (ROE)-0.7700%4,379
Retained earnings to average equity (ytd only)-0.7670%4,169
Net charge-offs to loans0.0124%2,186
Credit loss provision to net charge-offs996.7480%412
Earnings coverage of net charge-offs (x)16.2602%2,017
Efficiency ratio93.9694%301
Assets per employee ($millions)16.4289%161
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.8578%3,832
Loan loss allowance to noncurrent loans159.1035%2,783
Noncurrent assets plus other real estate owned to assets0.4177%1,329
Noncurrent loans to loans0.5391%1,445
Net loans and leases to total assets76.8100%1,000
Net loans and leases to deposits99.4940%563
Net loans and leases to core deposits127.8281%442
Total domestic deposits to total assets77.2000%3,825
Equity capital to assets7.8057%3,540
Core capital (leverage) ratio8.6078%4,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2832%2,142
Memoranda:
Average total assets$1,343,869,200778
Average earning assets$1,280,571,000749
Average equity$96,482,000971
Average total loans$992,256,600733
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6027%2,672
Cost of funding earning assets2.2846%421
Net interest margin2.3182%4,294
Noninterest income to average assets0.2800%3,257
Noninterest expense to average assets2.2557%2,935
Loan and lease loss provision to assets0.1900%580
Net operating income to assets-0.0503%4,458
Return on assets (ROA)-0.0639%4,448
Pretax return on assets0.0286%4,373
Return on Equity (ROE)-0.9100%4,424
Retained earnings to average equity (ytd only)-0.9096%4,243
Net charge-offs to loans0.0062%2,218
Credit loss provision to net charge-offs2,217.3913%222
Earnings coverage of net charge-offs (x)52.4348%1,284
Efficiency ratio90.4822%358
Assets per employee ($millions)15.4837%178
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.8430%3,892
Loan loss allowance to noncurrent loans167.7528%2,708
Noncurrent assets plus other real estate owned to assets0.3848%1,496
Noncurrent loans to loans0.5025%1,559
Net loans and leases to total assets75.9200%1,133
Net loans and leases to deposits93.2992%946
Net loans and leases to core deposits116.0299%659
Total domestic deposits to total assets81.3800%3,326
Equity capital to assets7.5736%3,312
Core capital (leverage) ratio8.2135%4,301
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0460%2,257
Memoranda:
Average total assets$1,355,366,500774
Average earning assets$1,292,356,250745
Average equity$95,275,250975
Average total loans$988,940,000736
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5805%2,457
Cost of funding earning assets2.1419%381
Net interest margin2.4386%4,273
Noninterest income to average assets0.2200%3,636
Noninterest expense to average assets2.1971%3,088
Loan and lease loss provision to assets0.2900%317
Net operating income to assets0.0502%4,393
Return on assets (ROA)0.0300%4,433
Pretax return on assets0.0387%4,427
Return on Equity (ROE)0.4400%4,407
Retained earnings to average equity (ytd only)0.4371%3,998
Net charge-offs to loans0.0047%2,109
Credit loss provision to net charge-offs5,539.1304%105
Earnings coverage of net charge-offs (x)104.4783%912
Efficiency ratio86.2182%487
Assets per employee ($millions)16.0559%160
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.9933%3,456
Loan loss allowance to noncurrent loans178.5905%2,727
Noncurrent assets plus other real estate owned to assets0.4117%1,295
Noncurrent loans to loans0.5562%1,347
Net loans and leases to total assets73.2900%1,369
Net loans and leases to deposits89.7803%1,204
Net loans and leases to core deposits121.1978%486
Total domestic deposits to total assets81.6300%3,308
Equity capital to assets6.8526%3,872
Core capital (leverage) ratio7.7276%4,480
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9971%2,627
Memoranda:
Average total assets$1,368,449,333754
Average earning assets$1,309,110,000733
Average equity$93,807,667985
Average total loans$982,674,667723
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3786%2,617
Cost of funding earning assets2.0173%289
Net interest margin2.3613%4,415
Noninterest income to average assets0.1200%4,272
Noninterest expense to average assets2.0594%3,476
Loan and lease loss provision to assets0.5100%146
Net operating income to assets-0.1477%4,540
Return on assets (ROA)-0.1477%4,526
Pretax return on assets-0.1903%4,523
Return on Equity (ROE)-2.1500%4,510
Retained earnings to average equity (ytd only)-2.1543%4,215
Net charge-offs to loans0.0008%2,032
Credit loss provision to net charge-offs52,800.0000%4
Earnings coverage of net charge-offs (x)541.0000%214
Efficiency ratio86.7027%479
Assets per employee ($millions)16.4136%156
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.9844%3,576
Loan loss allowance to noncurrent loans150.4358%2,966
Noncurrent assets plus other real estate owned to assets0.4527%1,128
Noncurrent loans to loans0.6544%1,149
Net loans and leases to total assets68.5000%1,783
Net loans and leases to deposits79.9822%1,818
Net loans and leases to core deposits107.6026%775
Total domestic deposits to total assets85.6500%2,690
Equity capital to assets6.4408%4,051
Core capital (leverage) ratio7.7290%4,522
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4017%2,605
Memoranda:
Average total assets$1,370,296,500769
Average earning assets$1,309,455,500747
Average equity$93,951,000995
Average total loans$968,893,000748
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5651%2,899
Cost of funding earning assets0.6441%741
Net interest margin2.9210%3,633
Noninterest income to average assets0.1900%4,004
Noninterest expense to average assets1.7992%4,032
Loan and lease loss provision to assets0.1700%670
Net operating income to assets0.7738%3,414
Return on assets (ROA)0.7716%3,363
Pretax return on assets0.9955%3,086
Return on Equity (ROE)9.6400%2,926
Retained earnings to average equity (ytd only)9.6404%1,263
Net charge-offs to loans0.0014%2,508
Credit loss provision to net charge-offs16,458.3333%47
Earnings coverage of net charge-offs (x)1,153.5000%156
Efficiency ratio60.7074%2,959
Assets per employee ($millions)16.0206%165
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.8952%3,784
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets71.6700%1,454
Net loans and leases to deposits82.5403%1,577
Net loans and leases to core deposits107.0548%708
Total domestic deposits to total assets86.8400%2,445
Equity capital to assets7.3971%3,439
Core capital (leverage) ratio8.2899%4,264
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3101%2,644
Memoranda:
Average total assets$1,188,615,800862
Average earning assets$1,129,014,000837
Average equity$95,130,600975
Average total loans$844,233,800790
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3626%3,005
Cost of funding earning assets0.2832%2,352
Net interest margin3.0794%2,991
Noninterest income to average assets0.1200%4,379
Noninterest expense to average assets1.7937%3,999
Loan and lease loss provision to assets0.1700%564
Net operating income to assets0.8496%3,069
Return on assets (ROA)0.8472%3,053
Pretax return on assets1.0794%2,783
Return on Equity (ROE)10.3700%2,619
Retained earnings to average equity (ytd only)10.3654%1,238
Net charge-offs to loans0.0015%2,258
Credit loss provision to net charge-offs16,055.5556%36
Earnings coverage of net charge-offs (x)1,208.2222%120
Efficiency ratio58.9629%3,254
Assets per employee ($millions)15.7581%174
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.8894%3,888
Loan loss allowance to noncurrent loans126.0243%3,190
Noncurrent assets plus other real estate owned to assets0.5149%1,062
Noncurrent loans to loans0.7058%1,160
Net loans and leases to total assets72.3100%1,256
Net loans and leases to deposits84.5294%1,266
Net loans and leases to core deposits98.0217%897
Total domestic deposits to total assets85.5500%3,159
Equity capital to assets7.8243%3,008
Core capital (leverage) ratio8.8571%3,747
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6503%2,601
Memoranda:
Average total assets$1,161,353,500877
Average earning assets$1,101,257,250859
Average equity$94,916,000991
Average total loans$820,668,250805
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1781%3,117
Cost of funding earning assets0.1038%4,154
Net interest margin3.0743%2,632
Noninterest income to average assets0.1047%4,466
Noninterest expense to average assets1.7613%4,033
Loan and lease loss provision to assets0.1530%620
Net operating income to assets0.8726%2,692
Return on assets (ROA)0.8689%2,676
Pretax return on assets1.1056%2,389
Return on Equity (ROE)10.4732%2,173
Retained earnings to average equity (ytd only)10.4732%909
Net charge-offs to loans0.0018%2,051
Credit loss provision to net charge-offs12,500.0000%42
Earnings coverage of net charge-offs (x)1,032.2857%126
Efficiency ratio58.2336%3,529
Assets per employee ($millions)16.4325%151
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.8651%4,049
Loan loss allowance to noncurrent loans123.9145%3,198
Noncurrent assets plus other real estate owned to assets0.4983%1,147
Noncurrent loans to loans0.6981%1,236
Net loans and leases to total assets70.7658%1,227
Net loans and leases to deposits80.4036%1,353
Net loans and leases to core deposits80.6605%1,679
Total domestic deposits to total assets88.0133%2,569
Equity capital to assets7.8833%3,215
Core capital (leverage) ratio8.9004%3,562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6844%2,620
Memoranda:
Average total assets$1,144,012,667883
Average earning assets$1,086,570,333870
Average equity$94,908,667998
Average total loans$799,128,333806
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0238%3,179
Cost of funding earning assets0.0822%4,332
Net interest margin2.9415%2,704
Noninterest income to average assets0.1032%4,493
Noninterest expense to average assets1.6979%4,135
Loan and lease loss provision to assets0.1245%667
Net operating income to assets0.8488%2,489
Return on assets (ROA)0.8488%2,480
Pretax return on assets1.0800%2,205
Return on Equity (ROE)9.9700%1,977
Retained earnings to average equity (ytd only)9.9700%1,029
Net charge-offs to loans0.0010%1,806
Credit loss provision to net charge-offs17,500.0000%21
Earnings coverage of net charge-offs (x)1,693.0000%36
Efficiency ratio58.4998%3,633
Assets per employee ($millions)15.6542%181
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.8565%4,136
Loan loss allowance to noncurrent loans106.7149%3,322
Noncurrent assets plus other real estate owned to assets0.5642%1,064
Noncurrent loans to loans0.8026%1,182
Net loans and leases to total assets69.6903%1,046
Net loans and leases to deposits78.3478%1,261
Net loans and leases to core deposits78.5763%1,570
Total domestic deposits to total assets88.9499%2,110
Equity capital to assets8.3327%3,298
Core capital (leverage) ratio8.9382%3,426
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7339%2,703
Memoranda:
Average total assets$1,124,447,500897
Average earning assets$1,070,055,000879
Average equity$95,727,5001,016
Average total loans$776,409,000815
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9290%4,007
Cost of funding earning assets0.1363%4,103
Net interest margin2.7927%3,682
Noninterest income to average assets0.1235%4,519
Noninterest expense to average assets1.6499%4,362
Loan and lease loss provision to assets0.1170%1,073
Net operating income to assets0.8143%3,288
Return on assets (ROA)0.8252%3,328
Pretax return on assets1.0345%3,169
Return on Equity (ROE)9.4928%2,722
Retained earnings to average equity (ytd only)9.4928%1,047
Net charge-offs to loans-0.0004%3,224
Credit loss provision to net charge-offs-42,000.0000%4,288
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1837%3,272
Assets per employee ($millions)16.2579%169
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.8465%4,187
Loan loss allowance to noncurrent loans92.5931%3,476
Noncurrent assets plus other real estate owned to assets0.6198%1,055
Noncurrent loans to loans0.9142%1,107
Net loans and leases to total assets67.2239%1,344
Net loans and leases to deposits76.6552%1,515
Net loans and leases to core deposits76.8828%1,849
Total domestic deposits to total assets87.6965%2,198
Equity capital to assets8.6947%3,889
Core capital (leverage) ratio8.4778%3,947
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0315%2,622
Memoranda:
Average total assets$1,076,649,800909
Average earning assets$1,027,129,400884
Average equity$93,597,6001,067
Average total loans$721,489,800856
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9465%4,089
Cost of funding earning assets0.1537%4,079
Net interest margin2.7928%3,800
Noninterest income to average assets0.1272%4,556
Noninterest expense to average assets1.6661%4,380
Loan and lease loss provision to assets0.1007%1,194
Net operating income to assets0.8128%3,488
Return on assets (ROA)0.8255%3,526
Pretax return on assets1.0420%3,342
Return on Equity (ROE)9.4959%2,931
Retained earnings to average equity (ytd only)9.4959%1,489
Net charge-offs to loans0.0015%2,362
Credit loss provision to net charge-offs10,062.5000%74
Earnings coverage of net charge-offs (x)1,125.3750%145
Efficiency ratio59.6567%3,033
Assets per employee ($millions)15.6580%186
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8279%4,309
Loan loss allowance to noncurrent loans83.7705%3,580
Noncurrent assets plus other real estate owned to assets0.6324%1,200
Noncurrent loans to loans0.9883%1,164
Net loans and leases to total assets63.4537%1,842
Net loans and leases to deposits72.0718%2,045
Net loans and leases to core deposits72.2835%2,405
Total domestic deposits to total assets88.0424%1,820
Equity capital to assets8.5246%4,193
Core capital (leverage) ratio8.3789%4,146
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5768%2,518
Memoranda:
Average total assets$1,065,364,000924
Average earning assets$1,016,862,750901
Average equity$92,612,7501,087
Average total loans$711,724,500882
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9602%4,115
Cost of funding earning assets0.1800%3,946
Net interest margin2.7801%3,830
Noninterest income to average assets0.1346%4,530
Noninterest expense to average assets1.6882%4,375
Loan and lease loss provision to assets0.0814%1,494
Net operating income to assets0.8092%3,480
Return on assets (ROA)0.8288%3,500
Pretax return on assets1.0413%3,351
Return on Equity (ROE)9.4676%2,959
Retained earnings to average equity (ytd only)9.4676%1,564
Net charge-offs to loans0.0017%2,154
Credit loss provision to net charge-offs7,083.3333%91
Earnings coverage of net charge-offs (x)956.0000%135
Efficiency ratio60.5882%2,930
Assets per employee ($millions)16.5892%157
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.7867%4,382
Loan loss allowance to noncurrent loans80.0172%3,588
Noncurrent assets plus other real estate owned to assets0.6108%1,369
Noncurrent loans to loans0.9831%1,255
Net loans and leases to total assets61.6343%2,218
Net loans and leases to deposits69.7491%2,438
Net loans and leases to core deposits70.0143%2,782
Total domestic deposits to total assets88.3657%1,638
Equity capital to assets8.2363%4,407
Core capital (leverage) ratio8.7735%3,719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6442%2,496
Memoranda:
Average total assets$1,044,693,333935
Average earning assets$996,427,000911
Average equity$91,449,0001,094
Average total loans$708,521,333889
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0977%3,887
Cost of funding earning assets0.2045%3,868
Net interest margin2.8933%3,545
Noninterest income to average assets0.1512%4,443
Noninterest expense to average assets1.7637%4,269
Loan and lease loss provision to assets0.0704%1,751
Net operating income to assets0.8497%3,269
Return on assets (ROA)0.8770%3,271
Pretax return on assets1.0998%3,111
Return on Equity (ROE)9.6896%2,792
Retained earnings to average equity (ytd only)9.6896%1,744
Net charge-offs to loans0.0006%1,922
Credit loss provision to net charge-offs17,500.0000%35
Earnings coverage of net charge-offs (x)2,825.0000%18
Efficiency ratio60.8237%2,935
Assets per employee ($millions)17.4444%136
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.7577%4,476
Loan loss allowance to noncurrent loans64.0829%3,791
Noncurrent assets plus other real estate owned to assets0.7975%1,126
Noncurrent loans to loans1.1824%1,124
Net loans and leases to total assets66.9366%1,672
Net loans and leases to deposits76.5266%1,847
Net loans and leases to core deposits77.7723%2,207
Total domestic deposits to total assets87.4684%2,108
Equity capital to assets8.6935%3,969
Core capital (leverage) ratio9.1184%3,481
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3621%2,135
Memoranda:
Average total assets$994,712,500958
Average earning assets$944,948,000941
Average equity$90,035,0001,097
Average total loans$707,235,000892
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4097%4,180
Cost of funding earning assets0.5277%2,766
Net interest margin2.8819%4,140
Noninterest income to average assets0.1688%4,446
Noninterest expense to average assets1.8160%4,444
Loan and lease loss provision to assets0.1974%1,977
Net operating income to assets0.7153%3,382
Return on assets (ROA)0.7243%3,483
Pretax return on assets0.8982%3,369
Return on Equity (ROE)8.4333%2,633
Retained earnings to average equity (ytd only)8.4333%929
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5939%3,036
Assets per employee ($millions)14.9644%180
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.7304%4,540
Loan loss allowance to noncurrent loans66.4655%3,792
Noncurrent assets plus other real estate owned to assets0.8259%1,235
Noncurrent loans to loans1.0989%1,294
Net loans and leases to total assets74.6048%951
Net loans and leases to deposits86.6508%1,202
Net loans and leases to core deposits89.4454%1,572
Total domestic deposits to total assets86.0981%2,324
Equity capital to assets9.4487%3,662
Core capital (leverage) ratio8.7781%3,922
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6854%2,373
Memoranda:
Average total assets$950,320,800924
Average earning assets$900,817,200900
Average equity$81,617,4001,134
Average total loans$691,666,600875
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4382%4,299
Cost of funding earning assets0.6022%2,601
Net interest margin2.8360%4,281
Noninterest income to average assets0.1624%4,486
Noninterest expense to average assets1.8242%4,450
Loan and lease loss provision to assets0.2437%1,668
Net operating income to assets0.6410%3,662
Return on assets (ROA)0.6531%3,718
Pretax return on assets0.7987%3,651
Return on Equity (ROE)7.7973%2,883
Retained earnings to average equity (ytd only)7.7973%1,372
Net charge-offs to loans-0.0010%3,813
Credit loss provision to net charge-offs-34,820.0000%4,442
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9484%2,745
Assets per employee ($millions)16.8208%123
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7065%4,571
Loan loss allowance to noncurrent loans73.6281%3,673
Noncurrent assets plus other real estate owned to assets0.6570%1,764
Noncurrent loans to loans0.9596%1,569
Net loans and leases to total assets67.9869%2,246
Net loans and leases to deposits81.3586%2,164
Net loans and leases to core deposits85.0434%2,379
Total domestic deposits to total assets83.5645%2,967
Equity capital to assets8.2417%4,612
Core capital (leverage) ratio9.1725%3,577
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0080%2,196
Memoranda:
Average total assets$952,211,250911
Average earning assets$903,040,750887
Average equity$79,752,2501,154
Average total loans$687,453,750873
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5582%4,337
Cost of funding earning assets0.7472%2,142
Net interest margin2.8110%4,432
Noninterest income to average assets0.1646%4,469
Noninterest expense to average assets1.9389%4,349
Loan and lease loss provision to assets0.3614%1,166
Net operating income to assets0.4524%4,127
Return on assets (ROA)0.4508%4,189
Pretax return on assets0.5252%4,209
Return on Equity (ROE)5.3498%3,733
Retained earnings to average equity (ytd only)5.3498%2,330
Net charge-offs to loans0.0015%2,970
Credit loss provision to net charge-offs33,320.0000%34
Earnings coverage of net charge-offs (x)819.2000%115
Efficiency ratio68.5592%2,160
Assets per employee ($millions)16.8113%121
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6813%4,603
Loan loss allowance to noncurrent loans72.7806%3,667
Noncurrent assets plus other real estate owned to assets0.6871%1,785
Noncurrent loans to loans0.9361%1,652
Net loans and leases to total assets72.8973%1,570
Net loans and leases to deposits88.8750%1,465
Net loans and leases to core deposits96.8659%1,514
Total domestic deposits to total assets82.0223%3,365
Equity capital to assets8.2912%4,593
Core capital (leverage) ratio9.1309%3,764
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4484%2,422
Memoranda:
Average total assets$921,984,333924
Average earning assets$873,358,333893
Average equity$77,685,6671,167
Average total loans$678,580,000873
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6929%4,408
Cost of funding earning assets0.9747%1,542
Net interest margin2.7182%4,654
Noninterest income to average assets0.2516%4,042
Noninterest expense to average assets2.0373%4,330
Loan and lease loss provision to assets0.4920%599
Net operating income to assets0.2548%4,442
Return on assets (ROA)0.2602%4,454
Pretax return on assets0.3017%4,454
Return on Equity (ROE)3.0606%4,198
Retained earnings to average equity (ytd only)3.0606%3,053
Net charge-offs to loans0.0012%2,554
Credit loss provision to net charge-offs54,550.0000%8
Earnings coverage of net charge-offs (x)873.0000%62
Efficiency ratio72.1105%2,062
Assets per employee ($millions)14.2643%148
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.6491%4,689
Loan loss allowance to noncurrent loans47.2432%4,129
Noncurrent assets plus other real estate owned to assets1.0333%1,276
Noncurrent loans to loans1.3739%1,171
Net loans and leases to total assets74.7230%1,503
Net loans and leases to deposits89.5089%1,572
Net loans and leases to core deposits99.6076%1,506
Total domestic deposits to total assets83.4811%2,953
Equity capital to assets8.7171%4,726
Core capital (leverage) ratio9.2815%4,197
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0315%2,679
Memoranda:
Average total assets$887,042,500921
Average earning assets$839,667,000904
Average equity$75,409,5001,195
Average total loans$653,867,500881
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0010%4,253
Cost of funding earning assets1.2719%836
Net interest margin2.7291%4,818
Noninterest income to average assets0.2709%4,055
Noninterest expense to average assets2.2480%4,066
Loan and lease loss provision to assets0.1474%1,452
Net operating income to assets0.4296%4,544
Return on assets (ROA)0.4386%4,556
Pretax return on assets0.4780%4,611
Return on Equity (ROE)5.0064%4,202
Retained earnings to average equity (ytd only)5.0064%2,409
Net charge-offs to loans0.0016%3,660
Credit loss provision to net charge-offs13,000.0000%32
Earnings coverage of net charge-offs (x)542.8889%176
Efficiency ratio78.4677%1,098
Assets per employee ($millions)13.6787%159
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.5221%4,865
Loan loss allowance to noncurrent loans33.7735%4,370
Noncurrent assets plus other real estate owned to assets1.1158%1,087
Noncurrent loans to loans1.5459%925
Net loans and leases to total assets71.7987%2,121
Net loans and leases to deposits82.3674%2,515
Net loans and leases to core deposits92.9758%2,164
Total domestic deposits to total assets87.1688%1,534
Equity capital to assets8.2796%4,984
Core capital (leverage) ratio8.7675%4,688
Tier 1 risk-based capital ratio11.8030%4,472
Total risk-based capital ratio12.3466%4,710
Memoranda:
Average total assets$793,517,800980
Average earning assets$753,883,800956
Average equity$69,510,8001,227
Average total loans$577,975,600941
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0693%4,223
Cost of funding earning assets1.3226%737
Net interest margin2.7467%4,899
Noninterest income to average assets0.2796%4,073
Noninterest expense to average assets2.3013%3,946
Loan and lease loss provision to assets0.1633%1,141
Net operating income to assets0.3800%4,755
Return on assets (ROA)0.3986%4,751
Pretax return on assets0.4481%4,755
Return on Equity (ROE)4.4807%4,481
Retained earnings to average equity (ytd only)4.4807%3,155
Net charge-offs to loans0.0052%3,206
Credit loss provision to net charge-offs4,304.5455%96
Earnings coverage of net charge-offs (x)155.6502%527
Efficiency ratio79.5491%962
Assets per employee ($millions)12.3802%195
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.5220%4,941
Loan loss allowance to noncurrent loans35.5997%4,417
Noncurrent assets plus other real estate owned to assets1.0692%1,232
Noncurrent loans to loans1.4664%1,039
Net loans and leases to total assets72.5342%2,077
Net loans and leases to deposits81.2839%2,767
Net loans and leases to core deposits94.1349%2,167
Total domestic deposits to total assets89.2356%541
Equity capital to assets8.8724%4,840
Core capital (leverage) ratio9.0397%4,606
Tier 1 risk-based capital ratio12.2453%4,286
Total risk-based capital ratio12.7765%4,555
Memoranda:
Average total assets$773,038,0001,002
Average earning assets$735,213,000974
Average equity$68,767,7501,235
Average total loans$564,506,750956
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0799%4,213
Cost of funding earning assets1.3587%616
Net interest margin2.7212%4,988
Noninterest income to average assets0.1999%4,554
Noninterest expense to average assets2.3264%3,939
Loan and lease loss provision to assets0.1233%1,515
Net operating income to assets0.3122%4,860
Return on assets (ROA)0.3373%4,835
Pretax return on assets0.3664%4,867
Return on Equity (ROE)3.7884%4,631
Retained earnings to average equity (ytd only)3.7884%3,357
Net charge-offs to loans0.0050%2,977
Credit loss provision to net charge-offs3,357.1429%111
Earnings coverage of net charge-offs (x)125.9286%580
Efficiency ratio83.3898%701
Assets per employee ($millions)11.5735%235
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.4451%5,071
Loan loss allowance to noncurrent loans23.7546%4,637
Noncurrent assets plus other real estate owned to assets1.3876%870
Noncurrent loans to loans1.8737%800
Net loans and leases to total assets73.7230%1,933
Net loans and leases to deposits84.1834%2,473
Net loans and leases to core deposits99.5846%1,760
Total domestic deposits to total assets87.5743%1,302
Equity capital to assets8.9152%4,843
Core capital (leverage) ratio9.1629%4,497
Tier 1 risk-based capital ratio12.3907%4,189
Total risk-based capital ratio12.8540%4,526
Memoranda:
Average total assets$762,480,6701,016
Average earning assets$725,410,670992
Average equity$67,891,3301,240
Average total loans$557,091,330967
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1116%4,092
Cost of funding earning assets1.3739%505
Net interest margin2.7377%5,039
Noninterest income to average assets0.1717%4,710
Noninterest expense to average assets2.3188%3,970
Loan and lease loss provision to assets0.1306%1,334
Net operating income to assets0.2951%4,905
Return on assets (ROA)0.3135%4,885
Pretax return on assets0.3455%4,909
Return on Equity (ROE)3.5233%4,674
Retained earnings to average equity (ytd only)3.5233%3,503
Net charge-offs to loans0.0044%2,553
Credit loss provision to net charge-offs4,083.3333%100
Earnings coverage of net charge-offs (x)142.5000%524
Efficiency ratio83.5319%747
Assets per employee ($millions)11.8025%216
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.4200%5,155
Loan loss allowance to noncurrent loans16.9002%4,754
Noncurrent assets plus other real estate owned to assets1.8326%569
Noncurrent loans to loans2.4852%531
Net loans and leases to total assets73.4294%1,909
Net loans and leases to deposits84.4651%2,331
Net loans and leases to core deposits100.7757%1,549
Total domestic deposits to total assets86.9347%1,849
Equity capital to assets8.8529%4,779
Core capital (leverage) ratio9.0818%4,594
Tier 1 risk-based capital ratio12.8839%3,938
Total risk-based capital ratio13.3332%4,305
Memoranda:
Average total assets$750,223,0001,029
Average earning assets$713,294,0001,004
Average equity$66,756,0001,248
Average total loans$544,241,500996
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8396%4,406
Cost of funding earning assets1.0543%595
Net interest margin2.7853%5,032
Noninterest income to average assets0.2091%4,663
Noninterest expense to average assets2.4941%3,633
Loan and lease loss provision to assets0.1380%1,562
Net operating income to assets0.2061%5,105
Return on assets (ROA)0.2046%5,102
Pretax return on assets0.2046%5,112
Return on Equity (ROE)2.4570%4,982
Retained earnings to average equity (ytd only)2.4570%4,160
Net charge-offs to loans0.0061%3,482
Credit loss provision to net charge-offs3,384.6154%150
Earnings coverage of net charge-offs (x)84.3846%835
Efficiency ratio87.8130%440
Assets per employee ($millions)10.9446%265
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.4090%5,204
Loan loss allowance to noncurrent loans11.6335%4,800
Noncurrent assets plus other real estate owned to assets2.5063%303
Noncurrent loans to loans3.5154%252
Net loans and leases to total assets71.0020%2,419
Net loans and leases to deposits88.5715%1,981
Net loans and leases to core deposits116.1249%680
Total domestic deposits to total assets80.1635%4,068
Equity capital to assets8.9455%4,618
Core capital (leverage) ratio9.4285%4,198
Tier 1 risk-based capital ratio13.9420%3,318
Total risk-based capital ratio14.3847%3,655
Memoranda:
Average total assets$637,466,6001,145
Average earning assets$601,736,4001,111
Average equity$53,073,2001,440
Average total loans$425,196,8001,193
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7647%4,514
Cost of funding earning assets0.9627%709
Net interest margin2.8019%5,082
Noninterest income to average assets0.2278%4,606
Noninterest expense to average assets2.5531%3,431
Loan and lease loss provision to assets0.1619%1,187
Net operating income to assets0.1473%5,233
Return on assets (ROA)0.1445%5,226
Pretax return on assets0.1493%5,231
Return on Equity (ROE)1.7753%5,156
Retained earnings to average equity (ytd only)1.7753%4,647
Net charge-offs to loans0.0043%3,300
Credit loss provision to net charge-offs5,730.7692%69
Earnings coverage of net charge-offs (x)111.1725%697
Efficiency ratio88.9866%364
Assets per employee ($millions)10.2849%300
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.4140%5,271
Loan loss allowance to noncurrent loans9.2707%4,928
Noncurrent assets plus other real estate owned to assets3.1094%223
Noncurrent loans to loans4.4657%166
Net loans and leases to total assets69.3395%2,748
Net loans and leases to deposits84.2479%2,572
Net loans and leases to core deposits113.6252%836
Total domestic deposits to total assets82.3041%3,518
Equity capital to assets8.0095%5,177
Core capital (leverage) ratio8.7962%4,890
Tier 1 risk-based capital ratio11.6411%4,714
Total risk-based capital ratio12.0407%5,035
Memoranda:
Average total assets$613,512,0001,185
Average earning assets$577,921,5001,166
Average equity$49,942,5001,528
Average total loans$400,799,7501,256
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6769%4,636
Cost of funding earning assets0.8971%743
Net interest margin2.7798%5,143
Noninterest income to average assets0.2602%4,446
Noninterest expense to average assets2.6254%3,241
Loan and lease loss provision to assets0.2113%793
Net operating income to assets0.0417%5,322
Return on assets (ROA)0.0352%5,319
Pretax return on assets0.0352%5,321
Return on Equity (ROE)0.4299%5,310
Retained earnings to average equity (ytd only)0.4299%4,882
Net charge-offs to loans0.0011%3,180
Credit loss provision to net charge-offs30,900.0000%13
Earnings coverage of net charge-offs (x)370.0000%248
Efficiency ratio91.1380%331
Assets per employee ($millions)9.4582%379
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.4521%5,317
Loan loss allowance to noncurrent loans8.3583%4,953
Noncurrent assets plus other real estate owned to assets3.5872%174
Noncurrent loans to loans5.4095%114
Net loans and leases to total assets66.0133%3,151
Net loans and leases to deposits88.6233%2,029
Net loans and leases to core deposits105.0284%1,311
Total domestic deposits to total assets74.4875%5,002
Equity capital to assets8.8334%4,694
Core capital (leverage) ratio9.6842%3,905
Tier 1 risk-based capital ratio13.3817%3,683
Total risk-based capital ratio13.8202%4,042
Memoranda:
Average total assets$584,891,6701,236
Average earning assets$550,905,3301,219
Average equity$47,918,0001,573
Average total loans$372,080,3301,331
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6053%4,695
Cost of funding earning assets0.8782%668
Net interest margin2.7271%5,234
Noninterest income to average assets0.3468%3,821
Noninterest expense to average assets2.5092%3,613
Loan and lease loss provision to assets0.2569%570
Net operating income to assets0.1427%5,293
Return on assets (ROA)0.1470%5,286
Pretax return on assets0.1470%5,304
Return on Equity (ROE)1.8775%5,200
Retained earnings to average equity (ytd only)1.8775%4,390
Net charge-offs to loans0.0046%2,573
Credit loss provision to net charge-offs9,000.0000%31
Earnings coverage of net charge-offs (x)140.0000%462
Efficiency ratio86.1874%632
Assets per employee ($millions)8.7193%486
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.4356%5,402
Loan loss allowance to noncurrent loans6.0804%5,016
Noncurrent assets plus other real estate owned to assets4.6858%105
Noncurrent loans to loans7.1645%67
Net loans and leases to total assets64.1618%3,282
Net loans and leases to deposits85.0907%2,284
Net loans and leases to core deposits114.6793%771
Total domestic deposits to total assets75.4040%5,028
Equity capital to assets7.3805%5,454
Core capital (leverage) ratio8.1105%5,358
Tier 1 risk-based capital ratio11.8178%4,670
Total risk-based capital ratio12.2480%5,035
Memoranda:
Average total assets$560,488,5001,279
Average earning assets$526,559,0001,275
Average equity$43,888,5001,713
Average total loans$348,008,0001,406
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5186%4,759
Cost of funding earning assets0.5631%1,868
Net interest margin2.9555%4,966
Noninterest income to average assets0.2024%4,931
Noninterest expense to average assets2.8824%2,514
Loan and lease loss provision to assets0.1821%1,177
Net operating income to assets-0.1389%5,430
Return on assets (ROA)-0.0848%5,414
Pretax return on assets-0.0387%5,453
Return on Equity (ROE)-0.9886%5,428
Retained earnings to average equity (ytd only)-0.9886%5,183
Net charge-offs to loans0.1787%1,397
Credit loss provision to net charge-offs165.2977%1,623
Earnings coverage of net charge-offs (x)0.8111%3,960
Efficiency ratio96.8645%235
Assets per employee ($millions)8.9464%458
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.4015%5,484
Loan loss allowance to noncurrent loans4.9771%5,060
Noncurrent assets plus other real estate owned to assets4.8772%100
Noncurrent loans to loans8.0670%46
Net loans and leases to total assets59.2910%3,900
Net loans and leases to deposits84.4224%2,446
Net loans and leases to core deposits112.8631%846
Total domestic deposits to total assets70.2313%5,400
Equity capital to assets8.3201%5,248
Core capital (leverage) ratio8.8946%4,763
Tier 1 risk-based capital ratio14.3483%3,173
Total risk-based capital ratio14.7587%3,533
Memoranda:
Average total assets$442,161,4001,572
Average earning assets$414,307,8001,551
Average equity$37,933,4001,932
Average total loans$272,577,0001,699
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4930%4,828
Cost of funding earning assets0.4987%2,277
Net interest margin2.9943%4,934
Noninterest income to average assets0.1921%5,054
Noninterest expense to average assets2.9549%2,235
Loan and lease loss provision to assets0.2246%823
Net operating income to assets-0.1810%5,571
Return on assets (ROA)-0.1077%5,557
Pretax return on assets-0.1077%5,547
Return on Equity (ROE)-1.2431%5,566
Retained earnings to average equity (ytd only)-1.2431%5,371
Net charge-offs to loans0.2367%901
Credit loss provision to net charge-offs152.2678%1,670
Earnings coverage of net charge-offs (x)0.2959%3,675
Efficiency ratio98.4063%197
Assets per employee ($millions)7.3052%824
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.4505%5,518
Loan loss allowance to noncurrent loans3.4784%5,159
Noncurrent assets plus other real estate owned to assets7.6271%42
Noncurrent loans to loans12.9516%11
Net loans and leases to total assets57.9527%4,063
Net loans and leases to deposits78.0692%3,153
Net loans and leases to core deposits88.7547%2,707
Total domestic deposits to total assets74.2325%5,217
Equity capital to assets9.8638%4,069
Core capital (leverage) ratio9.9793%3,592
Tier 1 risk-based capital ratio17.0354%2,146
Total risk-based capital ratio17.4976%2,352
Memoranda:
Average total assets$418,505,5001,653
Average earning assets$392,240,7501,633
Average equity$36,251,5002,021
Average total loans$260,834,2501,768
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4674%4,840
Cost of funding earning assets0.4400%2,692
Net interest margin3.0274%4,850
Noninterest income to average assets0.2338%4,835
Noninterest expense to average assets2.8552%2,563
Loan and lease loss provision to assets0.3485%412
Net operating income to assets-0.1300%5,593
Return on assets (ROA)-0.0336%5,568
Pretax return on assets-0.0336%5,562
Return on Equity (ROE)-0.4096%5,573
Retained earnings to average equity (ytd only)-0.4096%5,149
Net charge-offs to loans0.3459%582
Credit loss provision to net charge-offs157.7181%1,480
Earnings coverage of net charge-offs (x)0.9888%3,333
Efficiency ratio92.7469%337
Assets per employee ($millions)7.8532%660
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.4650%5,551
Loan loss allowance to noncurrent loans2.8099%5,192
Noncurrent assets plus other real estate owned to assets10.1870%28
Noncurrent loans to loans16.5480%7
Net loans and leases to total assets60.6124%3,778
Net loans and leases to deposits77.7434%3,144
Net loans and leases to core deposits79.4496%3,461
Total domestic deposits to total assets77.9647%4,820
Equity capital to assets9.2030%4,715
Core capital (leverage) ratio9.6740%3,931
Tier 1 risk-based capital ratio16.6089%2,276
Total risk-based capital ratio17.1330%2,491
Memoranda:
Average total assets$404,598,3301,700
Average earning assets$379,534,0001,685
Average equity$33,203,3302,178
Average total loans$258,472,0001,774
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4515%4,825
Cost of funding earning assets0.4287%2,728
Net interest margin3.0228%4,846
Noninterest income to average assets0.2783%4,559
Noninterest expense to average assets3.0020%2,158
Loan and lease loss provision to assets0.1074%1,780
Net operating income to assets-0.0031%5,606
Return on assets (ROA)0.0317%5,593
Pretax return on assets0.0317%5,587
Return on Equity (ROE)0.4143%5,579
Retained earnings to average equity (ytd only)0.4143%4,828
Net charge-offs to loans0.3372%545
Credit loss provision to net charge-offs48.6111%1,996
Earnings coverage of net charge-offs (x)0.4722%2,816
Efficiency ratio96.5086%304
Assets per employee ($millions)7.7225%694
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.3340%5,726
Loan loss allowance to noncurrent loans1.5490%5,270
Noncurrent assets plus other real estate owned to assets14.1191%18
Noncurrent loans to loans21.5613%4
Net loans and leases to total assets64.7071%3,167
Net loans and leases to deposits81.5519%2,565
Net loans and leases to core deposits82.9184%3,000
Total domestic deposits to total assets79.3447%4,761
Equity capital to assets7.6031%5,658
Core capital (leverage) ratio7.5166%5,702
Tier 1 risk-based capital ratio14.3492%3,282
Total risk-based capital ratio14.7689%3,680
Memoranda:
Average total assets$390,935,0001,769
Average earning assets$365,757,5001,750
Average equity$29,930,0002,381
Average total loans$256,196,5001,794
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3082%5,145
Cost of funding earning assets0.3553%3,461
Net interest margin2.9529%5,047
Noninterest income to average assets0.6367%2,474
Noninterest expense to average assets3.1887%1,815
Loan and lease loss provision to assets0.0527%3,333
Net operating income to assets0.1572%5,485
Return on assets (ROA)0.4485%4,883
Pretax return on assets0.4485%5,123
Return on Equity (ROE)5.6816%4,126
Retained earnings to average equity (ytd only)4.8505%2,445
Net charge-offs to loans0.1230%2,032
Credit loss provision to net charge-offs62.7389%3,209
Earnings coverage of net charge-offs (x)2.4968%3,820
Efficiency ratio93.6028%395
Assets per employee ($millions)9.2390%397
Cash dividends to net income (ytd only)*14.6269%3,899
Condition Ratios (%)
Loss allowance to loans0.3763%5,751
Loan loss allowance to noncurrent loans1.7268%5,313
Noncurrent assets plus other real estate owned to assets14.5387%17
Noncurrent loans to loans21.7932%4
Net loans and leases to total assets65.9016%3,085
Net loans and leases to deposits82.7808%2,576
Net loans and leases to core deposits84.3542%2,991
Total domestic deposits to total assets79.6098%4,654
Equity capital to assets7.7142%5,660
Core capital (leverage) ratio7.2109%5,787
Tier 1 risk-based capital ratio14.7564%3,069
Total risk-based capital ratio15.2448%3,375
Memoranda:
Average total assets$373,479,8001,793
Average earning assets$349,312,4001,781
Average equity$29,481,2002,398
Average total loans$255,292,8001,766
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2228%5,330
Cost of funding earning assets0.3336%3,737
Net interest margin2.8892%5,206
Noninterest income to average assets0.5847%2,732
Noninterest expense to average assets3.1397%1,931
Loan and lease loss provision to assets0.0368%3,515
Net operating income to assets0.1092%5,614
Return on assets (ROA)0.5062%4,776
Pretax return on assets0.5062%5,111
Return on Equity (ROE)6.3741%3,893
Retained earnings to average equity (ytd only)5.2618%2,654
Net charge-offs to loans0.0533%2,600
Credit loss provision to net charge-offs100.0000%2,352
Earnings coverage of net charge-offs (x)3.9705%3,331
Efficiency ratio95.3259%336
Assets per employee ($millions)8.5667%473
Cash dividends to net income (ytd only)*17.4503%3,330
Condition Ratios (%)
Loss allowance to loans0.3652%5,820
Loan loss allowance to noncurrent loans2.2043%5,415
Noncurrent assets plus other real estate owned to assets12.3092%27
Noncurrent loans to loans16.5684%14
Net loans and leases to total assets73.3122%1,981
Net loans and leases to deposits89.3164%1,839
Net loans and leases to core deposits91.6677%2,425
Total domestic deposits to total assets82.0815%3,914
Equity capital to assets7.4730%5,845
Core capital (leverage) ratio7.2872%5,853
Tier 1 risk-based capital ratio14.2280%3,444
Total risk-based capital ratio14.7635%3,760
Memoranda:
Average total assets$369,840,0001,813
Average earning assets$345,734,5001,799
Average equity$29,368,0002,417
Average total loans$254,943,5001,769
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1919%5,441
Cost of funding earning assets0.3190%3,908
Net interest margin2.8730%5,310
Noninterest income to average assets0.6018%2,609
Noninterest expense to average assets3.2142%1,778
Loan and lease loss provision to assets0.0568%3,001
Net operating income to assets0.0111%5,757
Return on assets (ROA)0.4324%5,018
Pretax return on assets0.4324%5,277
Return on Equity (ROE)5.3283%4,366
Retained earnings to average equity (ytd only)3.8863%3,430
Net charge-offs to loans0.0771%2,091
Credit loss provision to net charge-offs109.6774%1,964
Earnings coverage of net charge-offs (x)1.3118%3,428
Efficiency ratio97.6910%290
Assets per employee ($millions)7.9488%576
Cash dividends to net income (ytd only)*27.0619%2,952
Condition Ratios (%)
Loss allowance to loans0.4015%5,880
Loan loss allowance to noncurrent loans2.9812%5,507
Noncurrent assets plus other real estate owned to assets9.7250%49
Noncurrent loans to loans13.4663%18
Net loans and leases to total assets71.0067%2,326
Net loans and leases to deposits85.7006%2,285
Net loans and leases to core deposits90.2171%2,515
Total domestic deposits to total assets82.8544%3,704
Equity capital to assets7.7548%5,870
Core capital (leverage) ratio7.7737%5,829
Tier 1 risk-based capital ratio14.3258%3,421
Total risk-based capital ratio14.8804%3,739
Memoranda:
Average total assets$358,908,6701,866
Average earning assets$334,846,3301,855
Average equity$29,127,6702,438
Average total loans$241,170,6701,852
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1993%5,482
Cost of funding earning assets0.3074%4,086
Net interest margin2.8919%5,336
Noninterest income to average assets0.7066%2,013
Noninterest expense to average assets3.3741%1,437
Loan and lease loss provision to assets0.0990%2,044
Net operating income to assets-0.0921%5,842
Return on assets (ROA)0.6352%4,156
Pretax return on assets0.6352%4,715
Return on Equity (ROE)7.6408%3,112
Retained earnings to average equity (ytd only)7.2255%1,782
Net charge-offs to loans0.1333%1,306
Credit loss provision to net charge-offs114.6667%1,478
Earnings coverage of net charge-offs (x)0.0800%2,971
Efficiency ratio99.5575%302
Assets per employee ($millions)8.0728%552
Cash dividends to net income (ytd only)*5.4348%2,794
Condition Ratios (%)
Loss allowance to loans0.4327%5,925
Loan loss allowance to noncurrent loans4.6050%5,530
Noncurrent assets plus other real estate owned to assets6.6704%98
Noncurrent loans to loans9.3956%47
Net loans and leases to total assets69.3026%2,457
Net loans and leases to deposits95.1747%1,028
Net loans and leases to core deposits98.2773%1,615
Total domestic deposits to total assets72.8162%5,721
Equity capital to assets8.0534%5,802
Core capital (leverage) ratio8.1121%5,714
Tier 1 risk-based capital ratio14.0943%3,623
Total risk-based capital ratio14.6508%3,962
Memoranda:
Average total assets$347,591,5001,929
Average earning assets$321,449,0001,928
Average equity$28,897,5002,440
Average total loans$225,078,0001,948
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5189%4,869
Cost of funding earning assets0.2324%4,984
Net interest margin3.2865%4,344
Noninterest income to average assets0.4197%3,898
Noninterest expense to average assets3.1837%2,002
Loan and lease loss provision to assets0.0004%4,377
Net operating income to assets0.3022%5,358
Return on assets (ROA)0.3722%5,219
Pretax return on assets0.3672%5,387
Return on Equity (ROE)3.6749%5,075
Retained earnings to average equity (ytd only)3.1459%3,812
Net charge-offs to loans0.0112%4,081
Credit loss provision to net charge-offs5.8824%3,852
Earnings coverage of net charge-offs (x)49.0000%1,019
Efficiency ratio90.9912%633
Assets per employee ($millions)8.2977%497
Cash dividends to net income (ytd only)*14.3954%3,969
Condition Ratios (%)
Loss allowance to loans0.5489%5,873
Loan loss allowance to noncurrent loans12.6607%5,539
Noncurrent assets plus other real estate owned to assets2.7426%526
Noncurrent loans to loans4.3355%255
Net loans and leases to total assets59.1188%3,955
Net loans and leases to deposits81.1165%2,695
Net loans and leases to core deposits84.4825%2,932
Total domestic deposits to total assets72.8813%5,741
Equity capital to assets8.5985%5,470
Core capital (leverage) ratio8.6140%5,318
Tier 1 risk-based capital ratio14.0693%3,676
Total risk-based capital ratio14.6299%4,007
Memoranda:
Average total assets$279,959,2002,274
Average earning assets$260,794,2002,260
Average equity$28,354,2002,432
Average total loans$151,211,0002,582
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5296%4,916
Cost of funding earning assets0.2307%5,084
Net interest margin3.2989%4,344
Noninterest income to average assets0.3316%4,571
Noninterest expense to average assets3.1109%2,194
Loan and lease loss provision to assets-0.0330%5,879
Net operating income to assets0.3516%5,309
Return on assets (ROA)0.4470%5,070
Pretax return on assets0.4415%5,369
Return on Equity (ROE)4.2154%4,951
Retained earnings to average equity (ytd only)4.2154%3,468
Net charge-offs to loans0.0067%3,936
Credit loss provision to net charge-offs-942.8571%5,488
Earnings coverage of net charge-offs (x)89.6013%687
Efficiency ratio90.3588%677
Assets per employee ($millions)7.2649%771
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.6708%5,790
Loan loss allowance to noncurrent loans14.9215%5,628
Noncurrent assets plus other real estate owned to assets3.1846%446
Noncurrent loans to loans4.4954%243
Net loans and leases to total assets53.6230%4,604
Net loans and leases to deposits66.7068%4,308
Net loans and leases to core deposits69.8840%4,379
Total domestic deposits to total assets80.3861%4,640
Equity capital to assets10.0896%4,062
Core capital (leverage) ratio9.8856%3,786
Tier 1 risk-based capital ratio14.8397%3,375
Total risk-based capital ratio15.3997%3,696
Memoranda:
Average total assets$266,972,0002,384
Average earning assets$250,261,5002,358
Average equity$28,308,0002,450
Average total loans$139,688,0002,746
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5601%4,834
Cost of funding earning assets0.2400%5,053
Net interest margin3.3200%4,211
Noninterest income to average assets0.3227%4,639
Noninterest expense to average assets3.1049%2,231
Loan and lease loss provision to assets-0.1124%6,098
Net operating income to assets0.4527%4,964
Return on assets (ROA)0.5713%4,569
Pretax return on assets0.5690%5,051
Return on Equity (ROE)5.2951%4,491
Retained earnings to average equity (ytd only)5.2951%2,677
Net charge-offs to loans-0.0015%4,564
Credit loss provision to net charge-offs14,700.0000%33
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.6935%778
Assets per employee ($millions)6.5474%1,033
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.6591%5,885
Loan loss allowance to noncurrent loans12.5181%5,738
Noncurrent assets plus other real estate owned to assets2.9896%563
Noncurrent loans to loans5.2653%205
Net loans and leases to total assets52.1785%4,739
Net loans and leases to deposits72.6974%3,653
Net loans and leases to core deposits77.7494%3,606
Total domestic deposits to total assets71.7749%5,945
Equity capital to assets10.1477%3,871
Core capital (leverage) ratio9.1548%4,745
Tier 1 risk-based capital ratio15.3239%3,185
Total risk-based capital ratio15.8655%3,500
Memoranda:
Average total assets$261,519,3302,445
Average earning assets$245,782,6702,412
Average equity$28,215,0002,467
Average total loans$135,265,3302,822
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5057%4,944
Cost of funding earning assets0.2309%5,203
Net interest margin3.2747%4,324
Noninterest income to average assets0.2119%5,434
Noninterest expense to average assets2.7600%3,385
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.4758%4,777
Return on assets (ROA)0.6343%4,242
Pretax return on assets0.7285%4,508
Return on Equity (ROE)5.6962%4,184
Retained earnings to average equity (ytd only)5.6962%2,658
Net charge-offs to loans-0.0643%5,652
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.9535%1,503
Assets per employee ($millions)6.9380%879
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8046%5,684
Loan loss allowance to noncurrent loans22.3913%5,686
Noncurrent assets plus other real estate owned to assets2.0729%1,125
Noncurrent loans to loans3.5934%519
Net loans and leases to total assets50.9387%4,751
Net loans and leases to deposits71.5711%3,582
Net loans and leases to core deposits76.3560%3,553
Total domestic deposits to total assets71.1721%6,081
Equity capital to assets10.6541%3,370
Core capital (leverage) ratio10.9036%2,512
Tier 1 risk-based capital ratio16.8912%2,525
Total risk-based capital ratio17.5800%2,708
Memoranda:
Average total assets$254,784,5002,514
Average earning assets$240,754,0002,462
Average equity$28,370,0002,478
Average total loans$130,679,5002,905
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6904%4,808
Cost of funding earning assets0.2312%5,510
Net interest margin3.4592%3,944
Noninterest income to average assets0.1810%5,770
Noninterest expense to average assets3.0316%2,751
Loan and lease loss provision to assets0.0396%3,783
Net operating income to assets0.5912%4,411
Return on assets (ROA)0.6516%4,239
Pretax return on assets0.4649%5,342
Return on Equity (ROE)7.2261%3,502
Retained earnings to average equity (ytd only)6.0548%1,894
Net charge-offs to loans-0.0055%5,473
Credit loss provision to net charge-offs-1,400.0000%5,947
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2453%1,145
Assets per employee ($millions)6.6385%986
Cash dividends to net income (ytd only)*16.2084%3,939
Condition Ratios (%)
Loss allowance to loans0.8970%5,485
Loan loss allowance to noncurrent loans31.2642%5,623
Noncurrent assets plus other real estate owned to assets1.7273%1,540
Noncurrent loans to loans2.8690%803
Net loans and leases to total assets50.7609%4,890
Net loans and leases to deposits72.9709%3,556
Net loans and leases to core deposits74.9506%3,825
Total domestic deposits to total assets69.5632%6,213
Equity capital to assets11.6793%2,273
Core capital (leverage) ratio12.2193%1,490
Tier 1 risk-based capital ratio18.2433%2,068
Total risk-based capital ratio19.0015%2,185
Memoranda:
Average total assets$212,102,4002,858
Average earning assets$202,013,0002,787
Average equity$19,125,2003,270
Average total loans$109,065,8003,242
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8149%4,489
Cost of funding earning assets0.2382%5,530
Net interest margin3.5767%3,522
Noninterest income to average assets0.1876%5,790
Noninterest expense to average assets2.8486%3,291
Loan and lease loss provision to assets0.0545%3,283
Net operating income to assets0.8745%3,050
Return on assets (ROA)0.9309%2,861
Pretax return on assets0.7433%4,546
Return on Equity (ROE)11.2943%1,688
Retained earnings to average equity (ytd only)9.5300%825
Net charge-offs to loans-0.0404%5,834
Credit loss provision to net charge-offs-262.5000%5,617
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3725%2,125
Assets per employee ($millions)5.6253%1,617
Cash dividends to net income (ytd only)*15.6207%3,367
Condition Ratios (%)
Loss allowance to loans1.0263%5,097
Loan loss allowance to noncurrent loans29.9652%5,729
Noncurrent assets plus other real estate owned to assets2.0933%1,341
Noncurrent loans to loans3.4251%708
Net loans and leases to total assets51.9379%4,814
Net loans and leases to deposits66.0641%4,322
Net loans and leases to core deposits69.7630%4,344
Total domestic deposits to total assets78.6174%5,413
Equity capital to assets8.6717%5,664
Core capital (leverage) ratio8.5391%5,611
Tier 1 risk-based capital ratio13.8368%4,330
Total risk-based capital ratio14.7248%4,501
Memoranda:
Average total assets$205,381,2502,954
Average earning assets$195,371,0002,880
Average equity$16,928,5003,550
Average total loans$105,729,7503,341
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8614%4,294
Cost of funding earning assets0.2378%5,605
Net interest margin3.6236%3,264
Noninterest income to average assets0.1849%5,845
Noninterest expense to average assets2.7731%3,599
Loan and lease loss provision to assets0.0822%2,660
Net operating income to assets1.0965%1,960
Return on assets (ROA)1.1797%1,728
Pretax return on assets0.8559%4,054
Return on Equity (ROE)14.5696%864
Retained earnings to average equity (ytd only)11.8635%438
Net charge-offs to loans-0.0803%6,078
Credit loss provision to net charge-offs-200.0000%5,389
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4651%2,731
Assets per employee ($millions)6.9575%815
Cash dividends to net income (ytd only)*18.5738%3,232
Condition Ratios (%)
Loss allowance to loans0.9959%5,369
Loan loss allowance to noncurrent loans26.6667%5,859
Noncurrent assets plus other real estate owned to assets2.3289%1,268
Noncurrent loans to loans3.7347%673
Net loans and leases to total assets53.9142%4,554
Net loans and leases to deposits74.7603%3,233
Net loans and leases to core deposits79.3744%3,276
Total domestic deposits to total assets72.1161%6,243
Equity capital to assets8.5605%5,752
Core capital (leverage) ratio8.5056%5,634
Tier 1 risk-based capital ratio14.1908%4,132
Total risk-based capital ratio15.1135%4,296
Memoranda:
Average total assets$204,462,6702,976
Average earning assets$194,284,3302,904
Average equity$16,555,0003,605
Average total loans$104,565,3303,365
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7053%4,829
Cost of funding earning assets0.2333%5,727
Net interest margin3.4720%3,817
Noninterest income to average assets0.1918%5,812
Noninterest expense to average assets2.7440%3,784
Loan and lease loss provision to assets0.0771%2,600
Net operating income to assets1.6547%615
Return on assets (ROA)1.6547%644
Pretax return on assets0.6662%4,614
Return on Equity (ROE)21.0586%240
Retained earnings to average equity (ytd only)20.1528%115
Net charge-offs to loans-0.0800%6,032
Credit loss provision to net charge-offs-195.0000%4,960
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6644%2,523
Assets per employee ($millions)7.1495%743
Cash dividends to net income (ytd only)*4.3011%2,781
Condition Ratios (%)
Loss allowance to loans1.0402%5,350
Loan loss allowance to noncurrent loans36.6047%5,673
Noncurrent assets plus other real estate owned to assets1.7011%2,076
Noncurrent loans to loans2.8416%1,155
Net loans and leases to total assets48.7776%5,026
Net loans and leases to deposits63.4437%4,380
Net loans and leases to core deposits66.4147%4,457
Total domestic deposits to total assets76.8833%5,980
Equity capital to assets8.1781%5,924
Core capital (leverage) ratio8.5096%5,627
Tier 1 risk-based capital ratio14.6838%3,901
Total risk-based capital ratio15.6006%4,053
Memoranda:
Average total assets$202,331,0003,022
Average earning assets$192,050,5002,949
Average equity$15,898,5003,719
Average total loans$100,015,5003,473
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8870%4,506
Cost of funding earning assets0.2621%5,895
Net interest margin3.6249%3,354
Noninterest income to average assets0.1600%6,129
Noninterest expense to average assets2.7885%3,767
Loan and lease loss provision to assets0.1312%2,668
Net operating income to assets0.9483%2,574
Return on assets (ROA)1.1089%1,976
Pretax return on assets0.8304%4,031
Return on Equity (ROE)12.9194%1,179
Retained earnings to average equity (ytd only)11.6294%355
Net charge-offs to loans0.1857%2,977
Credit loss provision to net charge-offs134.6591%1,744
Earnings coverage of net charge-offs (x)8.2216%2,705
Efficiency ratio75.9099%2,789
Assets per employee ($millions)6.8044%848
Cash dividends to net income (ytd only)*9.9850%4,038
Condition Ratios (%)
Loss allowance to loans1.0272%5,433
Loan loss allowance to noncurrent loans32.1703%5,888
Noncurrent assets plus other real estate owned to assets1.8989%1,908
Noncurrent loans to loans3.1931%1,058
Net loans and leases to total assets49.0708%5,186
Net loans and leases to deposits62.7568%4,641
Net loans and leases to core deposits67.2557%4,586
Total domestic deposits to total assets78.1920%5,801
Equity capital to assets7.5210%6,274
Core capital (leverage) ratio8.7006%5,416
Tier 1 risk-based capital ratio15.6512%3,276
Total risk-based capital ratio16.6000%3,405
Memoranda:
Average total assets$180,631,8003,268
Average earning assets$170,901,8003,208
Average equity$15,503,8003,786
Average total loans$94,752,2003,582
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9157%4,446
Cost of funding earning assets0.2702%5,962
Net interest margin3.6455%3,255
Noninterest income to average assets0.2025%5,969
Noninterest expense to average assets2.8456%3,505
Loan and lease loss provision to assets0.1738%2,091
Net operating income to assets1.0072%2,349
Return on assets (ROA)1.2135%1,661
Pretax return on assets0.8349%4,165
Return on Equity (ROE)13.6653%1,079
Retained earnings to average equity (ytd only)12.3038%388
Net charge-offs to loans0.1674%2,884
Credit loss provision to net charge-offs194.9153%1,243
Earnings coverage of net charge-offs (x)8.9999%2,542
Efficiency ratio76.2220%2,696
Assets per employee ($millions)6.1482%1,137
Cash dividends to net income (ytd only)*9.9627%3,476
Condition Ratios (%)
Loss allowance to loans1.1011%5,330
Loan loss allowance to noncurrent loans28.1716%6,045
Noncurrent assets plus other real estate owned to assets2.3212%1,700
Noncurrent loans to loans3.9087%912
Net loans and leases to total assets49.8095%5,163
Net loans and leases to deposits60.8645%4,885
Net loans and leases to core deposits64.0196%4,901
Total domestic deposits to total assets81.8368%4,986
Equity capital to assets8.0753%6,099
Core capital (leverage) ratio8.6769%5,567
Tier 1 risk-based capital ratio16.8459%2,772
Total risk-based capital ratio17.9456%2,817
Memoranda:
Average total assets$176,458,0003,342
Average earning assets$166,779,0003,289
Average equity$15,669,5003,799
Average total loans$93,981,5003,624
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8656%4,601
Cost of funding earning assets0.2762%6,011
Net interest margin3.5894%3,403
Noninterest income to average assets0.2224%5,854
Noninterest expense to average assets2.8822%3,394
Loan and lease loss provision to assets0.1770%2,142
Net operating income to assets1.1179%1,872
Return on assets (ROA)1.3846%1,199
Pretax return on assets0.8198%4,236
Return on Equity (ROE)15.0866%796
Retained earnings to average equity (ytd only)15.0866%232
Net charge-offs to loans0.3001%1,986
Credit loss provision to net charge-offs108.5714%2,046
Earnings coverage of net charge-offs (x)4.4786%3,118
Efficiency ratio77.9175%2,471
Assets per employee ($millions)6.1242%1,117
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.9920%5,856
Loan loss allowance to noncurrent loans13.8897%6,392
Noncurrent assets plus other real estate owned to assets4.2578%789
Noncurrent loans to loans7.1421%328
Net loans and leases to total assets53.7789%4,622
Net loans and leases to deposits73.8596%3,177
Net loans and leases to core deposits75.1042%3,660
Total domestic deposits to total assets72.8124%6,514
Equity capital to assets8.2499%6,022
Core capital (leverage) ratio9.1050%4,820
Tier 1 risk-based capital ratio16.6018%2,889
Total risk-based capital ratio17.6006%2,971
Memoranda:
Average total assets$171,746,0003,434
Average earning assets$162,198,6703,354
Average equity$15,762,3303,809
Average total loans$93,311,6703,649
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8638%4,602
Cost of funding earning assets0.2885%6,055
Net interest margin3.5753%3,364
Noninterest income to average assets0.2772%5,472
Noninterest expense to average assets2.9618%3,110
Loan and lease loss provision to assets0.1824%2,029
Net operating income to assets0.5094%4,610
Return on assets (ROA)1.0023%2,331
Pretax return on assets1.0023%3,340
Return on Equity (ROE)10.3692%1,924
Retained earnings to average equity (ytd only)10.3692%1,017
Net charge-offs to loans0.5015%1,202
Credit loss provision to net charge-offs66.9565%2,334
Earnings coverage of net charge-offs (x)2.5391%3,008
Efficiency ratio79.1829%2,443
Assets per employee ($millions)6.0902%1,194
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9817%6,047
Loan loss allowance to noncurrent loans13.1526%6,468
Noncurrent assets plus other real estate owned to assets4.4380%841
Noncurrent loans to loans7.4641%370
Net loans and leases to total assets53.6470%4,471
Net loans and leases to deposits71.5100%3,252
Net loans and leases to core deposits72.2846%3,784
Total domestic deposits to total assets75.0202%6,455
Equity capital to assets9.5112%4,836
Core capital (leverage) ratio9.1825%4,593
Tier 1 risk-based capital ratio16.5645%2,972
Total risk-based capital ratio17.5587%3,054
Memoranda:
Average total assets$168,817,5003,522
Average earning assets$159,426,5003,440
Average equity$16,317,5003,770
Average total loans$91,732,5003,700
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3424%4,047
Cost of funding earning assets0.4257%5,745
Net interest margin3.9167%2,758
Noninterest income to average assets0.1916%6,035
Noninterest expense to average assets3.2911%2,366
Loan and lease loss provision to assets0.3532%1,892
Net operating income to assets0.2140%5,750
Return on assets (ROA)0.3621%5,472
Pretax return on assets0.3621%5,675
Return on Equity (ROE)3.6494%5,293
Retained earnings to average equity (ytd only)3.6494%3,647
Net charge-offs to loans0.7562%1,551
Credit loss provision to net charge-offs86.8132%3,599
Earnings coverage of net charge-offs (x)1.3940%4,759
Efficiency ratio82.2380%1,833
Assets per employee ($millions)5.7624%1,459
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.0376%5,819
Loan loss allowance to noncurrent loans126.5060%2,721
Noncurrent assets plus other real estate owned to assets0.8491%4,350
Noncurrent loans to loans0.8202%4,544
Net loans and leases to total assets53.9355%4,628
Net loans and leases to deposits72.3438%3,355
Net loans and leases to core deposits73.1250%3,905
Total domestic deposits to total assets74.5543%6,484
Equity capital to assets9.8235%4,417
Core capital (leverage) ratio9.2186%4,547
Tier 1 risk-based capital ratio16.9705%2,669
Total risk-based capital ratio18.0644%2,703
Memoranda:
Average total assets$156,575,2003,672
Average earning assets$146,577,8003,615
Average equity$15,536,8003,850
Average total loans$84,232,6003,901
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2730%4,566
Cost of funding earning assets0.4664%5,669
Net interest margin3.8066%3,313
Noninterest income to average assets0.1862%6,184
Noninterest expense to average assets3.2730%2,351
Loan and lease loss provision to assets0.4521%1,382
Net operating income to assets0.0165%6,255
Return on assets (ROA)0.1750%6,131
Pretax return on assets0.1750%6,163
Return on Equity (ROE)1.7584%6,088
Retained earnings to average equity (ytd only)1.7584%5,448
Net charge-offs to loans0.9807%1,088
Credit loss provision to net charge-offs85.9967%3,430
Earnings coverage of net charge-offs (x)0.8913%4,884
Efficiency ratio84.2593%1,562
Assets per employee ($millions)5.4078%1,723
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1371%5,572
Loan loss allowance to noncurrent loans32.2272%6,030
Noncurrent assets plus other real estate owned to assets2.3185%2,292
Noncurrent loans to loans3.5284%1,537
Net loans and leases to total assets52.2232%5,013
Net loans and leases to deposits69.2299%3,997
Net loans and leases to core deposits70.1671%4,485
Total domestic deposits to total assets75.4344%6,464
Equity capital to assets10.3912%3,966
Core capital (leverage) ratio9.3255%4,538
Tier 1 risk-based capital ratio17.0522%2,714
Total risk-based capital ratio18.1793%2,731
Memoranda:
Average total assets$153,941,7503,754
Average earning assets$143,783,5003,696
Average equity$15,317,0003,932
Average total loans$82,521,7504,007
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3106%4,524
Cost of funding earning assets0.5025%5,601
Net interest margin3.8081%3,320
Noninterest income to average assets0.1922%6,179
Noninterest expense to average assets3.2122%2,549
Loan and lease loss provision to assets0.6824%823
Net operating income to assets-0.1556%6,497
Return on assets (ROA)0.0824%6,342
Pretax return on assets0.0824%6,352
Return on Equity (ROE)0.8405%6,325
Retained earnings to average equity (ytd only)0.8405%5,727
Net charge-offs to loans1.4221%713
Credit loss provision to net charge-offs89.0785%3,073
Earnings coverage of net charge-offs (x)0.6877%4,714
Efficiency ratio82.6573%1,792
Assets per employee ($millions)5.8449%1,335
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1395%5,605
Loan loss allowance to noncurrent loans29.8544%6,165
Noncurrent assets plus other real estate owned to assets2.5106%2,226
Noncurrent loans to loans3.8169%1,469
Net loans and leases to total assets52.9960%4,960
Net loans and leases to deposits72.0399%3,602
Net loans and leases to core deposits73.0313%4,162
Total domestic deposits to total assets73.5647%6,705
Equity capital to assets9.6780%4,784
Core capital (leverage) ratio9.3629%4,352
Tier 1 risk-based capital ratio15.8429%3,251
Total risk-based capital ratio16.9287%3,311
Memoranda:
Average total assets$152,980,6703,787
Average earning assets$142,484,3303,745
Average equity$14,990,6703,990
Average total loans$82,415,3304,029
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4596%4,072
Cost of funding earning assets0.5370%5,571
Net interest margin3.9226%2,833
Noninterest income to average assets0.3693%4,919
Noninterest expense to average assets3.4112%1,981
Loan and lease loss provision to assets1.1875%325
Net operating income to assets-0.6004%6,872
Return on assets (ROA)-0.6004%6,898
Pretax return on assets-0.6004%6,863
Return on Equity (ROE)-6.0877%6,891
Retained earnings to average equity (ytd only)-6.0877%6,667
Net charge-offs to loans0.8608%1,192
Credit loss provision to net charge-offs255.4286%1,121
Earnings coverage of net charge-offs (x)1.2629%3,701
Efficiency ratio82.2591%1,904
Assets per employee ($millions)5.3555%1,829
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.6676%3,477
Loan loss allowance to noncurrent loans48.5618%5,153
Noncurrent assets plus other real estate owned to assets3.5998%1,581
Noncurrent loans to loans3.4339%1,822
Net loans and leases to total assets51.1210%5,130
Net loans and leases to deposits64.0996%4,621
Net loans and leases to core deposits65.0951%5,006
Total domestic deposits to total assets79.7525%5,910
Equity capital to assets9.8824%4,277
Core capital (leverage) ratio9.3524%4,276
Tier 1 risk-based capital ratio16.1079%3,121
Total risk-based capital ratio17.3608%3,084
Memoranda:
Average total assets$150,565,0003,862
Average earning assets$139,296,0003,829
Average equity$14,849,5004,025
Average total loans$81,324,0004,083
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8633%562
Cost of funding earning assets0.7911%4,930
Net interest margin5.0722%354
Noninterest income to average assets0.0652%6,770
Noninterest expense to average assets4.5849%540
Loan and lease loss provision to assets1.1459%785
Net operating income to assets-1.0856%6,779
Return on assets (ROA)-0.5938%6,592
Pretax return on assets-0.5938%6,548
Return on Equity (ROE)-5.8842%6,573
Retained earnings to average equity (ytd only)-5.8842%6,498
Net charge-offs to loans0.8643%2,004
Credit loss provision to net charge-offs274.0678%872
Earnings coverage of net charge-offs (x)0.1441%5,727
Efficiency ratio94.1876%909
Assets per employee ($millions)4.7243%2,553
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2138%5,326
Loan loss allowance to noncurrent loans47.1993%5,172
Noncurrent assets plus other real estate owned to assets3.4860%1,701
Noncurrent loans to loans2.5717%2,553
Net loans and leases to total assets55.3408%4,828
Net loans and leases to deposits71.3681%3,891
Net loans and leases to core deposits72.5200%4,442
Total domestic deposits to total assets77.5427%6,270
Equity capital to assets9.8428%4,380
Core capital (leverage) ratio9.6361%3,819
Tier 1 risk-based capital ratio15.8324%3,145
Total risk-based capital ratio17.0024%3,152
Memoranda:
Average total assets$141,116,4003,957
Average earning assets$127,420,0003,986
Average equity$14,241,6004,061
Average total loans$68,260,2004,550
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8848%579
Cost of funding earning assets0.8523%4,755
Net interest margin5.0325%387
Noninterest income to average assets0.0308%7,015
Noninterest expense to average assets4.3760%654
Loan and lease loss provision to assets1.0293%824
Net operating income to assets-0.8590%6,826
Return on assets (ROA)-0.2213%6,484
Pretax return on assets-0.2213%6,430
Return on Equity (ROE)-2.1777%6,495
Retained earnings to average equity (ytd only)-2.1777%6,318
Net charge-offs to loans1.1742%1,341
Credit loss provision to net charge-offs189.3805%1,538
Earnings coverage of net charge-offs (x)0.3133%5,371
Efficiency ratio91.5573%1,064
Assets per employee ($millions)4.2914%3,289
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.6998%6,961
Loan loss allowance to noncurrent loans19.0727%6,708
Noncurrent assets plus other real estate owned to assets3.7853%1,638
Noncurrent loans to loans3.6689%1,867
Net loans and leases to total assets49.2125%5,807
Net loans and leases to deposits65.3108%5,010
Net loans and leases to core deposits66.4329%5,372
Total domestic deposits to total assets75.3513%6,598
Equity capital to assets10.0188%4,319
Core capital (leverage) ratio9.6210%3,966
Tier 1 risk-based capital ratio16.6611%2,777
Total risk-based capital ratio17.2882%3,060
Memoranda:
Average total assets$138,601,5004,027
Average earning assets$124,362,2504,075
Average equity$14,082,0004,108
Average total loans$64,152,7504,743
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8836%602
Cost of funding earning assets0.9158%4,543
Net interest margin4.9678%416
Noninterest income to average assets-0.0264%7,231
Noninterest expense to average assets4.6091%531
Loan and lease loss provision to assets0.9812%894
Net operating income to assets-1.1868%7,001
Return on assets (ROA)-1.1119%6,987
Pretax return on assets-1.1119%6,931
Return on Equity (ROE)-10.8895%6,964
Retained earnings to average equity (ytd only)-10.8895%6,911
Net charge-offs to loans0.8041%1,897
Credit loss provision to net charge-offs270.4453%1,123
Earnings coverage of net charge-offs (x)-0.5668%5,544
Efficiency ratio99.7332%731
Assets per employee ($millions)4.3646%3,053
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.6350%7,100
Loan loss allowance to noncurrent loans21.0080%6,688
Noncurrent assets plus other real estate owned to assets3.5005%1,882
Noncurrent loans to loans3.0226%2,399
Net loans and leases to total assets47.1686%6,137
Net loans and leases to deposits62.2875%5,463
Net loans and leases to core deposits64.8045%5,629
Total domestic deposits to total assets75.7273%6,639
Equity capital to assets10.2437%3,825
Core capital (leverage) ratio9.3995%4,113
Tier 1 risk-based capital ratio18.0572%2,157
Total risk-based capital ratio18.6492%2,348
Memoranda:
Average total assets$136,166,6704,106
Average earning assets$121,422,0004,159
Average equity$13,903,3304,139
Average total loans$61,433,6704,894
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7601%789
Cost of funding earning assets0.9808%4,345
Net interest margin4.7793%592
Noninterest income to average assets0.3065%5,477
Noninterest expense to average assets3.8477%1,251
Loan and lease loss provision to assets0.8927%902
Net operating income to assets-0.2143%6,575
Return on assets (ROA)-0.2083%6,581
Pretax return on assets-0.2083%6,541
Return on Equity (ROE)-2.0436%6,588
Retained earnings to average equity (ytd only)-2.0436%6,154
Net charge-offs to loans0.1356%3,705
Credit loss provision to net charge-offs1,500.0000%253
Earnings coverage of net charge-offs (x)11.4000%1,555
Efficiency ratio80.1446%2,503
Assets per employee ($millions)4.2975%3,253
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.5046%7,274
Loan loss allowance to noncurrent loans11.4754%6,989
Noncurrent assets plus other real estate owned to assets6.4501%866
Noncurrent loans to loans4.3977%1,603
Net loans and leases to total assets41.4373%6,679
Net loans and leases to deposits51.3597%6,523
Net loans and leases to core deposits54.3143%6,532
Total domestic deposits to total assets80.6805%5,758
Equity capital to assets10.6438%3,046
Core capital (leverage) ratio10.0537%3,085
Tier 1 risk-based capital ratio19.1842%1,755
Total risk-based capital ratio19.5834%1,964
Memoranda:
Average total assets$134,416,5004,164
Average earning assets$118,678,5004,246
Average equity$13,701,5004,169
Average total loans$59,000,5005,052
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.0000%7,656
Cost of funding earning assets0.0000%7,641
Net interest margin0.0000%7,648
Noninterest income to average assets0.0000%7,282
Noninterest expense to average assets0.0000%7,654
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets0.0000%5,831
Return on assets (ROA)0.0000%5,960
Pretax return on assets0.0000%5,897
Return on Equity (ROE)0.0000%5,961
Retained earnings to average equity (ytd only)0.0000%5,576
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratioNANA
Assets per employee ($millions)5.0226%2,127
Cash dividends to net income (ytd only)*NANA
Condition Ratios (%)
Loss allowance to loans0.0000%7,582
Loan loss allowance to noncurrent loans0.0000%7,156
Noncurrent assets plus other real estate owned to assets5.7562%1,054
Noncurrent loans to loans7.4124%735
Net loans and leases to total assets46.1006%6,550
Net loans and leases to deposits59.5826%6,104
Net loans and leases to core deposits64.2294%6,033
Total domestic deposits to total assets77.3726%6,424
Equity capital to assets9.7508%4,053
Core capital (leverage) ratio9.3519%3,923
Tier 1 risk-based capital ratio16.8950%2,386
Total risk-based capital ratio16.8950%2,886
Memoranda:
Average total assets$133,009,0004,201
Average earning assets$118,205,8004,272
Average equity$11,142,4004,830
Average total loans$74,316,0004,514
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2074%3,790
Cost of funding earning assets1.2866%4,315
Net interest margin3.9209%3,444
Noninterest income to average assets-0.0453%7,496
Noninterest expense to average assets4.0283%1,022
Loan and lease loss provision to assets1.4828%904
Net operating income to assets-2.0721%7,254
Return on assets (ROA)-2.0167%7,259
Pretax return on assets-2.0167%7,203
Return on Equity (ROE)-25.1290%7,320
Retained earnings to average equity (ytd only)-25.1290%7,310
Net charge-offs to loans1.7964%1,080
Credit loss provision to net charge-offs141.4025%2,800
Earnings coverage of net charge-offs (x)-0.5620%6,348
Efficiency ratio114.5284%458
Assets per employee ($millions)4.7795%2,477
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.4875%252
Loan loss allowance to noncurrent loans53.0726%4,757
Noncurrent assets plus other real estate owned to assets5.6260%1,089
Noncurrent loans to loans8.4555%589
Net loans and leases to total assets49.8595%6,340
Net loans and leases to deposits62.4164%6,073
Net loans and leases to core deposits68.5667%5,885
Total domestic deposits to total assets79.8821%5,744
Equity capital to assets7.5942%7,067
Core capital (leverage) ratio6.8944%7,213
Tier 1 risk-based capital ratio12.0316%5,430
Total risk-based capital ratio13.3164%5,375
Memoranda:
Average total assets$132,358,7504,270
Average earning assets$117,623,7504,341
Average equity$10,622,2505,017
Average total loans$77,265,7504,489
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2589%3,659
Cost of funding earning assets1.3036%4,511
Net interest margin3.9553%3,224
Noninterest income to average assets0.1881%6,556
Noninterest expense to average assets3.8098%1,347
Loan and lease loss provision to assets1.7502%713
Net operating income to assets-1.8746%7,274
Return on assets (ROA)-1.7912%7,259
Pretax return on assets-1.7912%7,172
Return on Equity (ROE)-21.9204%7,317
Retained earnings to average equity (ytd only)-21.9204%7,302
Net charge-offs to loans1.9791%927
Credit loss provision to net charge-offs146.2611%2,704
Earnings coverage of net charge-offs (x)-0.1039%5,803
Efficiency ratio100.7407%780
Assets per employee ($millions)4.5793%2,755
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans4.0151%372
Loan loss allowance to noncurrent loans47.9600%5,096
Noncurrent assets plus other real estate owned to assets7.3968%687
Noncurrent loans to loans8.3717%602
Net loans and leases to total assets55.2289%5,815
Net loans and leases to deposits70.9275%5,147
Net loans and leases to core deposits79.8719%4,708
Total domestic deposits to total assets77.8667%6,300
Equity capital to assets7.8750%6,868
Core capital (leverage) ratio7.6154%6,714
Tier 1 risk-based capital ratio12.4429%4,913
Total risk-based capital ratio13.7236%4,862
Memoranda:
Average total assets$131,869,6704,298
Average earning assets$116,602,6704,403
Average equity$10,775,3304,979
Average total loans$79,734,3304,449
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2551%3,756
Cost of funding earning assets1.3215%4,677
Net interest margin3.9336%3,181
Noninterest income to average assets0.1461%6,930
Noninterest expense to average assets3.4306%2,157
Loan and lease loss provision to assets2.1917%490
Net operating income to assets-2.0060%7,465
Return on assets (ROA)-2.0060%7,467
Pretax return on assets-2.0060%7,416
Return on Equity (ROE)-24.1083%7,488
Retained earnings to average equity (ytd only)-24.1083%7,445
Net charge-offs to loans2.7569%582
Credit loss provision to net charge-offs128.3422%2,745
Earnings coverage of net charge-offs (x)0.1087%4,936
Efficiency ratio91.8350%1,287
Assets per employee ($millions)4.5549%2,868
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.5739%513
Loan loss allowance to noncurrent loans37.8054%5,835
Noncurrent assets plus other real estate owned to assets8.2875%587
Noncurrent loans to loans9.4534%470
Net loans and leases to total assets58.4794%5,355
Net loans and leases to deposits79.6145%3,725
Net loans and leases to core deposits92.5656%3,035
Total domestic deposits to total assets73.4531%7,112
Equity capital to assets8.2193%6,408
Core capital (leverage) ratio8.0023%6,237
Tier 1 risk-based capital ratio12.5533%4,691
Total risk-based capital ratio13.8289%4,630
Memoranda:
Average total assets$131,404,5004,373
Average earning assets$115,925,0004,475
Average equity$10,934,0004,997
Average total loans$81,395,5004,462
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0377%1,721
Cost of funding earning assets1.8835%3,543
Net interest margin4.1542%2,234
Noninterest income to average assets0.2067%6,629
Noninterest expense to average assets3.7891%1,719
Loan and lease loss provision to assets3.2995%484
Net operating income to assets-3.2147%7,447
Return on assets (ROA)-2.7102%7,331
Pretax return on assets-2.7102%7,213
Return on Equity (ROE)-30.5356%7,414
Retained earnings to average equity (ytd only)-30.5356%7,399
Net charge-offs to loans3.7471%491
Credit loss provision to net charge-offs131.5476%3,844
Earnings coverage of net charge-offs (x)0.0338%6,150
Efficiency ratio94.5436%1,377
Assets per employee ($millions)4.2167%3,405
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.2704%620
Loan loss allowance to noncurrent loans36.7541%5,984
Noncurrent assets plus other real estate owned to assets8.6025%482
Noncurrent loans to loans8.8979%518
Net loans and leases to total assets61.1836%5,162
Net loans and leases to deposits80.8210%3,833
Net loans and leases to core deposits98.0627%4,216
Total domestic deposits to total assets75.7027%6,738
Equity capital to assets8.4235%6,024
Core capital (leverage) ratio8.6035%5,096
Tier 1 risk-based capital ratio12.6181%4,426
Total risk-based capital ratio13.8898%4,346
Memoranda:
Average total assets$127,260,4004,396
Average earning assets$112,344,8004,500
Average equity$11,295,0004,944
Average total loans$85,187,0004,352
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1406%1,524
Cost of funding earning assets2.0031%3,343
Net interest margin4.1375%2,261
Noninterest income to average assets0.2416%6,507
Noninterest expense to average assets3.6372%1,945
Loan and lease loss provision to assets1.8987%967
Net operating income to assets-1.6361%7,170
Return on assets (ROA)-1.1994%6,965
Pretax return on assets-1.1994%6,814
Return on Equity (ROE)-13.3377%7,098
Retained earnings to average equity (ytd only)-13.3377%7,033
Net charge-offs to loans1.9903%990
Credit loss provision to net charge-offs140.5152%3,496
Earnings coverage of net charge-offs (x)0.1944%5,829
Efficiency ratio89.8837%1,697
Assets per employee ($millions)4.1740%3,416
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.5498%1,016
Loan loss allowance to noncurrent loans43.2982%5,427
Noncurrent assets plus other real estate owned to assets7.1118%667
Noncurrent loans to loans5.8889%1,019
Net loans and leases to total assets63.4086%4,990
Net loans and leases to deposits89.1965%2,745
Net loans and leases to core deposits108.2090%3,442
Total domestic deposits to total assets71.0887%7,326
Equity capital to assets9.5937%4,628
Core capital (leverage) ratio9.0536%4,572
Tier 1 risk-based capital ratio13.3807%3,942
Total risk-based capital ratio14.6441%3,865
Memoranda:
Average total assets$126,396,0004,437
Average earning assets$111,756,5004,544
Average equity$11,366,0004,956
Average total loans$85,813,2504,373
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0588%1,949
Cost of funding earning assets2.1572%3,002
Net interest margin3.9016%3,107
Noninterest income to average assets0.2468%6,517
Noninterest expense to average assets3.5982%2,075
Loan and lease loss provision to assets0.9677%1,743
Net operating income to assets-0.8596%6,871
Return on assets (ROA)-0.6371%6,697
Pretax return on assets-0.6371%6,556
Return on Equity (ROE)-7.2588%6,827
Retained earnings to average equity (ytd only)-7.2588%6,592
Net charge-offs to loans1.0111%1,751
Credit loss provision to net charge-offs138.8889%3,360
Earnings coverage of net charge-offs (x)0.1551%5,513
Efficiency ratio93.1680%1,554
Assets per employee ($millions)4.2272%3,241
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.1159%1,363
Loan loss allowance to noncurrent loans23.5420%6,936
Noncurrent assets plus other real estate owned to assets7.3749%550
Noncurrent loans to loans8.9878%440
Net loans and leases to total assets63.7813%5,028
Net loans and leases to deposits79.5722%4,606
Net loans and leases to core deposits93.9080%5,128
Total domestic deposits to total assets80.1552%5,414
Equity capital to assets9.2881%4,899
Core capital (leverage) ratio9.6748%3,664
Tier 1 risk-based capital ratio12.8868%4,222
Total risk-based capital ratio14.1331%4,141
Memoranda:
Average total assets$124,005,6704,530
Average earning assets$109,955,6704,623
Average equity$10,883,3305,119
Average total loans$85,448,0004,416
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3952%1,073
Cost of funding earning assets2.3704%2,413
Net interest margin4.0248%2,557
Noninterest income to average assets0.2332%6,601
Noninterest expense to average assets3.4636%2,191
Loan and lease loss provision to assets0.2534%3,941
Net operating income to assets0.0676%6,075
Return on assets (ROA)0.0608%6,250
Pretax return on assets0.0608%6,252
Return on Equity (ROE)0.7169%6,218
Retained earnings to average equity (ytd only)0.7169%5,375
Net charge-offs to loans1.4459%993
Credit loss provision to net charge-offs24.6711%5,015
Earnings coverage of net charge-offs (x)0.3125%4,728
Efficiency ratio86.9643%1,972
Assets per employee ($millions)3.7050%4,329
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.7636%1,946
Loan loss allowance to noncurrent loans48.7052%5,265
Noncurrent assets plus other real estate owned to assets3.1680%1,762
Noncurrent loans to loans3.6210%1,736
Net loans and leases to total assets68.9226%3,934
Net loans and leases to deposits83.8299%4,013
Net loans and leases to core deposits100.4610%4,495
Total domestic deposits to total assets82.2173%4,465
Equity capital to assets8.0087%6,794
Core capital (leverage) ratio8.9740%4,748
Tier 1 risk-based capital ratio11.3028%5,597
Total risk-based capital ratio12.5570%5,503
Memoranda:
Average total assets$118,373,5004,695
Average earning assets$104,453,5004,792
Average equity$10,043,0005,371
Average total loans$84,101,0004,492
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8736%1,483
Cost of funding earning assets2.7199%3,066
Net interest margin4.1537%2,485
Noninterest income to average assets0.2857%6,422
Noninterest expense to average assets12.7943%97
Loan and lease loss provision to assets1.2541%1,141
Net operating income to assets-9.4887%8,254
Return on assets (ROA)-9.6988%8,252
Pretax return on assets-10.5121%8,249
Return on Equity (ROE)-59.0348%8,197
Retained earnings to average equity (ytd only)-59.0348%8,183
Net charge-offs to loans0.9500%1,303
Credit loss provision to net charge-offs198.6649%2,460
Earnings coverage of net charge-offs (x)-14.3044%6,923
Efficiency ratio109.9172%706
Assets per employee ($millions)3.5815%4,468
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.9960%1,232
Loan loss allowance to noncurrent loans249.9264%1,590
Noncurrent assets plus other real estate owned to assets1.2006%3,842
Noncurrent loans to loans0.7986%5,045
Net loans and leases to total assets70.5012%3,906
Net loans and leases to deposits94.6874%2,663
Net loans and leases to core deposits113.5792%3,386
Total domestic deposits to total assets74.4568%6,568
Equity capital to assets8.9611%5,419
Core capital (leverage) ratio8.5935%5,390
Tier 1 risk-based capital ratio11.1265%5,619
Total risk-based capital ratio12.3832%5,492
Memoranda:
Average total assets$118,654,0004,557
Average earning assets$99,380,4004,821
Average equity$19,493,6003,308
Average total loans$78,842,4004,560