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Four Corners Community Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3864%1,336
Cost of funding earning assets0.8383%3,636
Net interest margin4.5481%566
Noninterest income to average assets0.5000%1,995
Noninterest expense to average assets2.4721%2,373
Loan and lease loss provision to assets0.3900%250
Net operating income to assets1.9821%480
Return on assets (ROA)1.9427%481
Pretax return on assets1.9427%729
Return on Equity (ROE)22.5800%422
Retained earnings to average equity (ytd only)2.2767%3,511
Net charge-offs to loans0.5169%196
Credit loss provision to net charge-offs118.1429%1,692
Earnings coverage of net charge-offs (x)7.1142%2,428
Efficiency ratio50.9617%3,913
Assets per employee ($millions)5.8857%2,916
Cash dividends to net income (ytd only)*89.9149%383
Condition Ratios (%)
Loss allowance to loans2.1267%311
Loan loss allowance to noncurrent loans361.6770%1,801
Noncurrent assets plus other real estate owned to assets1.0631%447
Noncurrent loans to loans0.5880%1,339
Net loans and leases to total assets65.4500%2,317
Net loans and leases to deposits77.2042%2,337
Net loans and leases to core deposits86.1252%2,303
Total domestic deposits to total assets84.7700%2,388
Equity capital to assets9.1319%2,588
Core capital (leverage) ratio11.2692%1,785
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$489,978,4001,748
Average earning assets$468,327,4001,713
Average equity$42,165,6001,807
Average total loans$316,704,2001,738
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2529%1,356
Cost of funding earning assets0.7145%3,731
Net interest margin4.5383%586
Noninterest income to average assets0.5300%1,815
Noninterest expense to average assets2.4098%2,492
Loan and lease loss provision to assets0.4000%207
Net operating income to assets2.0528%470
Return on assets (ROA)2.0528%462
Pretax return on assets2.0528%708
Return on Equity (ROE)24.2300%420
Retained earnings to average equity (ytd only)3.9819%3,263
Net charge-offs to loans0.4542%185
Credit loss provision to net charge-offs136.3636%1,377
Earnings coverage of net charge-offs (x)8.4180%2,195
Efficiency ratio49.5679%3,945
Assets per employee ($millions)5.9817%2,777
Cash dividends to net income (ytd only)*83.5658%414
Condition Ratios (%)
Loss allowance to loans2.1967%295
Loan loss allowance to noncurrent loans347.7539%1,830
Noncurrent assets plus other real estate owned to assets1.1259%415
Noncurrent loans to loans0.6317%1,293
Net loans and leases to total assets63.8700%2,465
Net loans and leases to deposits74.1466%2,550
Net loans and leases to core deposits81.8540%2,480
Total domestic deposits to total assets86.1400%2,149
Equity capital to assets7.9017%3,116
Core capital (leverage) ratio11.2443%1,831
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$488,873,2501,749
Average earning assets$466,857,0001,720
Average equity$41,420,0001,818
Average total loans$313,230,5001,750
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0486%1,468
Cost of funding earning assets0.5813%3,802
Net interest margin4.4673%636
Noninterest income to average assets0.5600%1,626
Noninterest expense to average assets2.4260%2,417
Loan and lease loss provision to assets0.3900%217
Net operating income to assets2.0070%461
Return on assets (ROA)2.0070%456
Pretax return on assets2.0070%737
Return on Equity (ROE)23.1200%482
Retained earnings to average equity (ytd only)3.4017%3,375
Net charge-offs to loans0.3495%244
Credit loss provision to net charge-offs175.4159%1,106
Earnings coverage of net charge-offs (x)10.7763%1,985
Efficiency ratio50.2813%3,903
Assets per employee ($millions)6.1853%2,558
Cash dividends to net income (ytd only)*85.2899%476
Condition Ratios (%)
Loss allowance to loans2.2419%288
Loan loss allowance to noncurrent loans374.7114%1,884
Noncurrent assets plus other real estate owned to assets1.1400%373
Noncurrent loans to loans0.5983%1,245
Net loans and leases to total assets62.9400%2,487
Net loans and leases to deposits74.0909%2,481
Net loans and leases to core deposits81.3464%2,384
Total domestic deposits to total assets84.9500%2,551
Equity capital to assets8.6128%2,768
Core capital (leverage) ratio11.3514%1,705
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$486,403,0001,757
Average earning assets$464,485,3331,726
Average equity$42,214,3331,807
Average total loans$309,569,6671,746
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9287%1,364
Cost of funding earning assets0.4595%3,808
Net interest margin4.4691%609
Noninterest income to average assets0.5800%1,496
Noninterest expense to average assets2.4737%2,308
Loan and lease loss provision to assets0.5800%122
Net operating income to assets1.7819%696
Return on assets (ROA)1.7819%690
Pretax return on assets1.7819%1,101
Return on Equity (ROE)20.4500%711
Retained earnings to average equity (ytd only)-4.8747%4,323
Net charge-offs to loans0.5940%138
Credit loss provision to net charge-offs154.5254%937
Earnings coverage of net charge-offs (x)6.2870%1,786
Efficiency ratio51.1321%3,843
Assets per employee ($millions)6.0130%2,751
Cash dividends to net income (ytd only)*123.8361%310
Condition Ratios (%)
Loss allowance to loans2.2076%315
Loan loss allowance to noncurrent loans279.0884%2,289
Noncurrent assets plus other real estate owned to assets1.3081%272
Noncurrent loans to loans0.7910%973
Net loans and leases to total assets63.4900%2,297
Net loans and leases to deposits74.7416%2,236
Net loans and leases to core deposits81.9262%2,120
Total domestic deposits to total assets84.9400%2,875
Equity capital to assets8.7516%2,696
Core capital (leverage) ratio11.2966%1,667
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$482,194,5001,785
Average earning assets$459,596,5001,748
Average equity$42,012,5001,834
Average total loans$305,067,0001,774
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2790%1,090
Cost of funding earning assets0.1751%3,955
Net interest margin4.1039%651
Noninterest income to average assets0.5400%1,892
Noninterest expense to average assets2.3016%2,730
Loan and lease loss provision to assets0.1100%1,145
Net operating income to assets2.0399%276
Return on assets (ROA)1.9788%298
Pretax return on assets1.9788%500
Return on Equity (ROE)21.8300%346
Retained earnings to average equity (ytd only)7.1465%2,180
Net charge-offs to loans0.0927%763
Credit loss provision to net charge-offs186.7159%1,163
Earnings coverage of net charge-offs (x)38.1070%1,539
Efficiency ratio51.7143%4,010
Assets per employee ($millions)5.8212%2,930
Cash dividends to net income (ytd only)*67.2615%746
Condition Ratios (%)
Loss allowance to loans2.3024%264
Loan loss allowance to noncurrent loans245.4842%2,428
Noncurrent assets plus other real estate owned to assets1.5214%205
Noncurrent loans to loans0.9379%791
Net loans and leases to total assets60.1600%2,617
Net loans and leases to deposits71.8602%2,418
Net loans and leases to core deposits77.8734%2,287
Total domestic deposits to total assets83.7200%3,269
Equity capital to assets8.6731%2,580
Core capital (leverage) ratio11.3923%1,571
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$481,450,2001,766
Average earning assets$458,022,6001,732
Average equity$43,643,8001,798
Average total loans$292,407,2001,755
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0876%1,089
Cost of funding earning assets0.1329%4,009
Net interest margin3.9547%704
Noninterest income to average assets0.5400%1,952
Noninterest expense to average assets2.1969%2,942
Loan and lease loss provision to assets0.1900%485
Net operating income to assets1.9170%332
Return on assets (ROA)1.9170%330
Pretax return on assets1.9170%558
Return on Equity (ROE)20.9200%368
Retained earnings to average equity (ytd only)7.1816%2,306
Net charge-offs to loans0.1671%393
Credit loss provision to net charge-offs186.3388%1,016
Earnings coverage of net charge-offs (x)20.8169%1,698
Efficiency ratio51.0116%4,088
Assets per employee ($millions)5.9680%2,793
Cash dividends to net income (ytd only)*65.6768%719
Condition Ratios (%)
Loss allowance to loans2.3248%277
Loan loss allowance to noncurrent loans180.1420%2,813
Noncurrent assets plus other real estate owned to assets1.5592%211
Noncurrent loans to loans1.2905%566
Net loans and leases to total assets59.5300%2,558
Net loans and leases to deposits70.4917%2,321
Net loans and leases to core deposits76.2860%2,174
Total domestic deposits to total assets84.4500%3,396
Equity capital to assets8.1410%2,808
Core capital (leverage) ratio11.0588%1,689
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$482,478,7501,777
Average earning assets$459,524,5001,740
Average equity$44,204,7501,803
Average total loans$292,022,0001,754
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8052%1,303
Cost of funding earning assets0.1212%3,947
Net interest margin3.6840%939
Noninterest income to average assets0.5239%2,069
Noninterest expense to average assets2.1494%3,002
Loan and lease loss provision to assets0.1016%982
Net operating income to assets1.7778%356
Return on assets (ROA)1.7778%350
Pretax return on assets1.7778%631
Return on Equity (ROE)18.7073%405
Retained earnings to average equity (ytd only)5.9099%2,360
Net charge-offs to loans0.1394%469
Credit loss provision to net charge-offs120.6897%1,180
Earnings coverage of net charge-offs (x)22.3202%1,507
Efficiency ratio53.2997%4,024
Assets per employee ($millions)6.1126%2,642
Cash dividends to net income (ytd only)*68.4088%866
Condition Ratios (%)
Loss allowance to loans2.1602%406
Loan loss allowance to noncurrent loans127.7249%3,171
Noncurrent assets plus other real estate owned to assets1.8393%171
Noncurrent loans to loans1.6913%417
Net loans and leases to total assets61.6582%2,159
Net loans and leases to deposits73.1543%1,947
Net loans and leases to core deposits78.1531%1,847
Total domestic deposits to total assets84.2851%3,629
Equity capital to assets8.5485%2,726
Core capital (leverage) ratio10.9999%1,611
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$482,170,3331,785
Average earning assets$458,735,3331,753
Average equity$45,821,6671,807
Average total loans$291,159,6671,752
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6641%1,356
Cost of funding earning assets0.1286%3,792
Net interest margin3.5355%1,019
Noninterest income to average assets0.5014%2,132
Noninterest expense to average assets2.1336%3,034
Loan and lease loss provision to assets0.0880%941
Net operating income to assets1.6338%472
Return on assets (ROA)1.6338%471
Pretax return on assets1.6338%784
Return on Equity (ROE)16.3685%496
Retained earnings to average equity (ytd only)3.4517%3,136
Net charge-offs to loans0.1223%451
Credit loss provision to net charge-offs121.8391%930
Earnings coverage of net charge-offs (x)23.8391%1,223
Efficiency ratio55.2756%3,939
Assets per employee ($millions)5.9481%2,854
Cash dividends to net income (ytd only)*78.9126%719
Condition Ratios (%)
Loss allowance to loans2.2624%398
Loan loss allowance to noncurrent loans113.5552%3,255
Noncurrent assets plus other real estate owned to assets1.9486%153
Noncurrent loans to loans1.9923%372
Net loans and leases to total assets58.0234%2,294
Net loans and leases to deposits70.5890%1,906
Net loans and leases to core deposits76.1539%1,773
Total domestic deposits to total assets82.1989%4,051
Equity capital to assets9.2331%2,501
Core capital (leverage) ratio10.8190%1,617
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$481,809,0001,791
Average earning assets$457,077,5001,763
Average equity$48,092,5001,789
Average total loans$284,581,0001,770
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8368%1,779
Cost of funding earning assets0.2166%3,297
Net interest margin3.6202%1,406
Noninterest income to average assets0.6113%2,110
Noninterest expense to average assets2.1628%3,195
Loan and lease loss provision to assets0.2042%514
Net operating income to assets1.6752%671
Return on assets (ROA)1.6731%703
Pretax return on assets1.6731%1,207
Return on Equity (ROE)15.5963%823
Retained earnings to average equity (ytd only)6.1187%2,308
Net charge-offs to loans0.1631%590
Credit loss provision to net charge-offs204.0948%1,294
Earnings coverage of net charge-offs (x)18.7845%1,901
Efficiency ratio53.4194%3,990
Assets per employee ($millions)5.5985%3,163
Cash dividends to net income (ytd only)*60.7681%1,061
Condition Ratios (%)
Loss allowance to loans2.3362%363
Loan loss allowance to noncurrent loans126.5156%3,156
Noncurrent assets plus other real estate owned to assets1.8698%183
Noncurrent loans to loans1.8465%446
Net loans and leases to total assets57.3835%2,438
Net loans and leases to deposits71.5198%1,959
Net loans and leases to core deposits77.3533%1,816
Total domestic deposits to total assets80.2344%4,200
Equity capital to assets10.7489%1,977
Core capital (leverage) ratio10.7345%1,732
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$463,753,0001,800
Average earning assets$439,506,8001,768
Average equity$49,749,0001,775
Average total loans$284,402,4001,768
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7216%2,216
Cost of funding earning assets0.2408%3,203
Net interest margin3.4807%1,924
Noninterest income to average assets0.6378%2,059
Noninterest expense to average assets2.1103%3,332
Loan and lease loss provision to assets0.2246%437
Net operating income to assets1.5989%1,036
Return on assets (ROA)1.6038%1,065
Pretax return on assets1.6038%1,692
Return on Equity (ROE)14.9582%1,148
Retained earnings to average equity (ytd only)6.9852%2,425
Net charge-offs to loans0.0803%867
Credit loss provision to net charge-offs451.1628%809
Earnings coverage of net charge-offs (x)36.6337%1,423
Efficiency ratio53.5570%3,862
Assets per employee ($millions)5.8882%2,800
Cash dividends to net income (ytd only)*53.3021%1,069
Condition Ratios (%)
Loss allowance to loans2.4022%333
Loan loss allowance to noncurrent loans126.8739%3,125
Noncurrent assets plus other real estate owned to assets1.8824%214
Noncurrent loans to loans1.8933%481
Net loans and leases to total assets56.6663%2,654
Net loans and leases to deposits70.2954%2,206
Net loans and leases to core deposits76.2490%2,025
Total domestic deposits to total assets80.6117%4,146
Equity capital to assets10.7371%2,229
Core capital (leverage) ratio10.7174%1,875
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$460,723,2501,822
Average earning assets$436,255,5001,800
Average equity$49,398,5001,804
Average total loans$285,602,0001,793
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5996%2,621
Cost of funding earning assets0.2678%3,105
Net interest margin3.3317%2,347
Noninterest income to average assets0.5614%2,369
Noninterest expense to average assets2.1133%3,347
Loan and lease loss provision to assets0.2855%313
Net operating income to assets1.3208%1,801
Return on assets (ROA)1.3279%1,846
Pretax return on assets1.3279%2,557
Return on Equity (ROE)12.3907%1,915
Retained earnings to average equity (ytd only)4.8735%3,233
Net charge-offs to loans0.1144%676
Credit loss provision to net charge-offs393.9394%765
Earnings coverage of net charge-offs (x)22.1636%1,495
Efficiency ratio56.7194%3,445
Assets per employee ($millions)6.1501%2,481
Cash dividends to net income (ytd only)*60.6682%911
Condition Ratios (%)
Loss allowance to loans2.3412%335
Loan loss allowance to noncurrent loans111.8070%3,228
Noncurrent assets plus other real estate owned to assets2.3079%163
Noncurrent loans to loans2.0940%449
Net loans and leases to total assets57.5548%2,722
Net loans and leases to deposits71.3857%2,266
Net loans and leases to core deposits78.5004%2,005
Total domestic deposits to total assets80.6251%4,140
Equity capital to assets10.4163%2,472
Core capital (leverage) ratio10.4707%1,983
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$455,316,6671,834
Average earning assets$431,606,3331,811
Average equity$48,794,6671,809
Average total loans$288,496,6671,792
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7087%2,338
Cost of funding earning assets0.3084%2,904
Net interest margin3.4002%2,109
Noninterest income to average assets0.5253%2,501
Noninterest expense to average assets2.0386%3,591
Loan and lease loss provision to assets0.4482%158
Net operating income to assets1.2703%1,920
Return on assets (ROA)1.2775%1,974
Pretax return on assets1.2775%2,634
Return on Equity (ROE)11.7457%2,113
Retained earnings to average equity (ytd only)4.3191%3,410
Net charge-offs to loans0.2306%369
Credit loss provision to net charge-offs295.8580%766
Earnings coverage of net charge-offs (x)11.3432%1,458
Efficiency ratio54.1637%3,766
Assets per employee ($millions)5.5574%3,061
Cash dividends to net income (ytd only)*63.2281%828
Condition Ratios (%)
Loss allowance to loans2.1255%477
Loan loss allowance to noncurrent loans55.2477%3,915
Noncurrent assets plus other real estate owned to assets2.5747%149
Noncurrent loans to loans3.8473%149
Net loans and leases to total assets64.4668%1,985
Net loans and leases to deposits79.7368%1,546
Net loans and leases to core deposits89.8289%1,241
Total domestic deposits to total assets80.8495%4,088
Equity capital to assets10.5465%2,219
Core capital (leverage) ratio10.6853%1,940
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$446,196,5001,855
Average earning assets$424,089,5001,828
Average equity$48,528,5001,801
Average total loans$293,200,5001,777
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4528%1,431
Cost of funding earning assets0.4425%3,331
Net interest margin4.0103%955
Noninterest income to average assets0.6035%2,207
Noninterest expense to average assets2.2466%3,551
Loan and lease loss provision to assets0.7123%221
Net operating income to assets1.4380%937
Return on assets (ROA)1.4380%1,024
Pretax return on assets1.4380%1,546
Return on Equity (ROE)12.4612%1,189
Retained earnings to average equity (ytd only)5.4964%2,043
Net charge-offs to loans0.3518%497
Credit loss provision to net charge-offs288.1306%1,781
Earnings coverage of net charge-offs (x)8.6983%2,578
Efficiency ratio50.7897%4,482
Assets per employee ($millions)5.0778%3,307
Cash dividends to net income (ytd only)*55.8919%1,545
Condition Ratios (%)
Loss allowance to loans2.1136%482
Loan loss allowance to noncurrent loans49.3595%4,031
Noncurrent assets plus other real estate owned to assets2.8068%143
Noncurrent loans to loans4.2820%122
Net loans and leases to total assets64.1631%2,333
Net loans and leases to deposits81.0431%1,761
Net loans and leases to core deposits93.1381%1,295
Total domestic deposits to total assets79.1716%4,183
Equity capital to assets11.2199%2,084
Core capital (leverage) ratio10.8388%1,901
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$408,968,2001,833
Average earning assets$386,856,4001,806
Average equity$47,194,6001,785
Average total loans$287,412,6001,735
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6085%1,279
Cost of funding earning assets0.4683%3,429
Net interest margin4.1402%826
Noninterest income to average assets0.5333%2,459
Noninterest expense to average assets2.2084%3,661
Loan and lease loss provision to assets0.7422%268
Net operating income to assets1.4914%928
Return on assets (ROA)1.4914%1,009
Pretax return on assets1.4914%1,466
Return on Equity (ROE)12.8269%1,162
Retained earnings to average equity (ytd only)5.4850%2,331
Net charge-offs to loans0.3383%459
Credit loss provision to net charge-offs306.5753%1,741
Earnings coverage of net charge-offs (x)9.2260%2,442
Efficiency ratio49.3505%4,536
Assets per employee ($millions)5.0293%3,214
Cash dividends to net income (ytd only)*57.2382%1,212
Condition Ratios (%)
Loss allowance to loans1.8477%656
Loan loss allowance to noncurrent loans44.8774%4,106
Noncurrent assets plus other real estate owned to assets3.0447%145
Noncurrent loans to loans4.1173%156
Net loans and leases to total assets68.6539%2,156
Net loans and leases to deposits86.3190%1,659
Net loans and leases to core deposits97.8766%1,315
Total domestic deposits to total assets79.5352%3,955
Equity capital to assets10.9955%2,400
Core capital (leverage) ratio10.6488%2,144
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$402,038,5001,836
Average earning assets$379,554,0001,813
Average equity$46,744,2501,785
Average total loans$287,705,2501,733
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9582%888
Cost of funding earning assets0.4977%3,546
Net interest margin4.4605%545
Noninterest income to average assets0.4864%2,625
Noninterest expense to average assets2.2004%3,785
Loan and lease loss provision to assets0.8011%306
Net operating income to assets1.6976%625
Return on assets (ROA)1.6976%679
Pretax return on assets1.6976%1,005
Return on Equity (ROE)14.3102%826
Retained earnings to average equity (ytd only)7.0773%1,624
Net charge-offs to loans0.5313%299
Credit loss provision to net charge-offs208.9572%1,879
Earnings coverage of net charge-offs (x)6.5174%2,431
Efficiency ratio46.4660%4,703
Assets per employee ($millions)5.1044%3,064
Cash dividends to net income (ytd only)*50.5435%1,540
Condition Ratios (%)
Loss allowance to loans1.5942%1,022
Loan loss allowance to noncurrent loans38.5955%4,252
Noncurrent assets plus other real estate owned to assets3.0936%149
Noncurrent loans to loans4.1305%160
Net loans and leases to total assets69.7879%2,060
Net loans and leases to deposits88.1452%1,542
Net loans and leases to core deposits99.7863%1,270
Total domestic deposits to total assets79.1739%4,011
Equity capital to assets10.8787%2,441
Core capital (leverage) ratio10.8066%2,117
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$390,201,0001,846
Average earning assets$368,523,6671,823
Average equity$46,288,6671,787
Average total loans$281,590,0001,742
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8263%1,355
Cost of funding earning assets0.5550%3,669
Net interest margin4.2713%805
Noninterest income to average assets0.5424%2,320
Noninterest expense to average assets2.2580%3,868
Loan and lease loss provision to assets0.3149%983
Net operating income to assets1.9923%272
Return on assets (ROA)1.9923%300
Pretax return on assets1.9923%452
Return on Equity (ROE)15.9981%426
Retained earnings to average equity (ytd only)10.8966%579
Net charge-offs to loans0.0225%1,915
Credit loss provision to net charge-offs1,920.0000%352
Earnings coverage of net charge-offs (x)140.6667%451
Efficiency ratio49.0778%4,709
Assets per employee ($millions)4.4706%3,305
Cash dividends to net income (ytd only)*31.8880%2,094
Condition Ratios (%)
Loss allowance to loans1.6629%929
Loan loss allowance to noncurrent loans27.1816%4,437
Noncurrent assets plus other real estate owned to assets4.6142%81
Noncurrent loans to loans6.1177%79
Net loans and leases to total assets71.3022%2,037
Net loans and leases to deposits91.9030%1,292
Net loans and leases to core deposits107.0601%993
Total domestic deposits to total assets77.5843%4,285
Equity capital to assets12.5665%1,696
Core capital (leverage) ratio12.3804%1,518
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$365,813,0001,903
Average earning assets$344,529,5001,874
Average equity$45,555,5001,802
Average total loans$266,727,0001,774
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8613%1,868
Cost of funding earning assets0.5071%4,058
Net interest margin4.3542%977
Noninterest income to average assets0.5694%2,373
Noninterest expense to average assets2.8610%2,406
Loan and lease loss provision to assets0.5244%242
Net operating income to assets1.2766%1,782
Return on assets (ROA)1.2766%1,859
Pretax return on assets1.2766%2,587
Return on Equity (ROE)10.6738%2,016
Retained earnings to average equity (ytd only)3.0070%3,524
Net charge-offs to loans0.7327%226
Credit loss provision to net charge-offs99.8954%2,506
Earnings coverage of net charge-offs (x)3.4310%3,325
Efficiency ratio60.7561%3,575
Assets per employee ($millions)4.3981%3,373
Cash dividends to net income (ytd only)*71.8280%1,062
Condition Ratios (%)
Loss allowance to loans1.5494%1,087
Loan loss allowance to noncurrent loans26.1657%4,484
Noncurrent assets plus other real estate owned to assets4.5414%74
Noncurrent loans to loans5.9215%69
Net loans and leases to total assets72.1847%2,065
Net loans and leases to deposits91.5994%1,419
Net loans and leases to core deposits104.8288%1,176
Total domestic deposits to total assets78.8048%4,218
Equity capital to assets12.3395%1,928
Core capital (leverage) ratio11.9842%1,792
Tier 1 risk-based capital ratio15.0491%2,766
Total risk-based capital ratio16.3008%2,697
Memoranda:
Average total assets$364,239,4001,864
Average earning assets$342,360,0001,839
Average equity$43,564,6001,802
Average total loans$260,968,4001,772
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8105%2,086
Cost of funding earning assets0.4929%4,170
Net interest margin4.3176%1,128
Noninterest income to average assets0.5787%2,315
Noninterest expense to average assets2.7707%2,649
Loan and lease loss provision to assets0.5164%231
Net operating income to assets1.3496%1,646
Return on assets (ROA)1.3496%1,716
Pretax return on assets1.3496%2,498
Return on Equity (ROE)11.3746%1,854
Retained earnings to average equity (ytd only)2.2348%4,189
Net charge-offs to loans0.7224%220
Credit loss provision to net charge-offs100.3559%2,240
Earnings coverage of net charge-offs (x)3.6263%3,084
Efficiency ratio59.1311%3,787
Assets per employee ($millions)4.4685%3,260
Cash dividends to net income (ytd only)*80.3528%651
Condition Ratios (%)
Loss allowance to loans1.5391%1,141
Loan loss allowance to noncurrent loans24.4366%4,577
Noncurrent assets plus other real estate owned to assets4.7788%81
Noncurrent loans to loans6.2985%67
Net loans and leases to total assets71.6319%2,234
Net loans and leases to deposits90.8958%1,578
Net loans and leases to core deposits104.4070%1,302
Total domestic deposits to total assets78.8065%4,217
Equity capital to assets11.9478%2,300
Core capital (leverage) ratio12.0595%1,810
Tier 1 risk-based capital ratio14.8449%2,927
Total risk-based capital ratio16.0968%2,848
Memoranda:
Average total assets$364,039,2501,884
Average earning assets$342,157,5001,857
Average equity$43,194,7501,821
Average total loans$259,298,0001,795
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7590%2,190
Cost of funding earning assets0.4780%4,214
Net interest margin4.2810%1,184
Noninterest income to average assets0.5523%2,377
Noninterest expense to average assets2.6554%3,041
Loan and lease loss provision to assets0.2350%684
Net operating income to assets1.6929%733
Return on assets (ROA)1.6929%760
Pretax return on assets1.6929%1,282
Return on Equity (ROE)14.3011%919
Retained earnings to average equity (ytd only)4.6938%2,924
Net charge-offs to loans1.0907%124
Credit loss provision to net charge-offs30.4659%2,598
Earnings coverage of net charge-offs (x)2.4996%2,937
Efficiency ratio57.3100%4,091
Assets per employee ($millions)4.3821%3,311
Cash dividends to net income (ytd only)*67.1783%1,189
Condition Ratios (%)
Loss allowance to loans1.2254%2,383
Loan loss allowance to noncurrent loans27.7909%4,584
Noncurrent assets plus other real estate owned to assets3.1657%175
Noncurrent loans to loans4.4095%141
Net loans and leases to total assets70.4505%2,464
Net loans and leases to deposits89.5634%1,788
Net loans and leases to core deposits102.8147%1,485
Total domestic deposits to total assets78.6599%4,284
Equity capital to assets12.1843%2,059
Core capital (leverage) ratio12.2149%1,691
Tier 1 risk-based capital ratio15.6840%2,553
Total risk-based capital ratio16.8206%2,526
Memoranda:
Average total assets$361,756,3301,898
Average earning assets$340,621,3301,865
Average equity$42,822,0001,838
Average total loans$255,788,3301,819
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7344%2,097
Cost of funding earning assets0.4493%4,289
Net interest margin4.2851%1,123
Noninterest income to average assets0.5100%2,492
Noninterest expense to average assets2.5922%3,237
Loan and lease loss provision to assets0.2217%701
Net operating income to assets1.7351%684
Return on assets (ROA)1.7351%704
Pretax return on assets1.7351%1,125
Return on Equity (ROE)14.8782%773
Retained earnings to average equity (ytd only)4.2971%3,205
Net charge-offs to loans2.1120%52
Credit loss provision to net charge-offs14.9142%2,164
Earnings coverage of net charge-offs (x)1.3162%2,608
Efficiency ratio56.3490%4,284
Assets per employee ($millions)4.4607%3,243
Cash dividends to net income (ytd only)*71.1182%1,098
Condition Ratios (%)
Loss allowance to loans1.1967%2,600
Loan loss allowance to noncurrent loans26.2689%4,671
Noncurrent assets plus other real estate owned to assets3.1120%198
Noncurrent loans to loans4.5557%145
Net loans and leases to total assets67.0538%2,889
Net loans and leases to deposits86.3904%2,086
Net loans and leases to core deposits96.0372%1,924
Total domestic deposits to total assets77.6172%4,576
Equity capital to assets11.5163%2,382
Core capital (leverage) ratio12.0776%1,729
Tier 1 risk-based capital ratio15.7791%2,537
Total risk-based capital ratio16.8751%2,521
Memoranda:
Average total assets$360,777,0001,914
Average earning assets$340,064,0001,881
Average equity$42,075,0001,853
Average total loans$253,973,5001,837
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8583%1,398
Cost of funding earning assets0.3730%4,140
Net interest margin4.4854%783
Noninterest income to average assets0.5527%2,534
Noninterest expense to average assets2.5136%3,573
Loan and lease loss provision to assets0.1331%1,639
Net operating income to assets2.1330%284
Return on assets (ROA)2.1111%287
Pretax return on assets2.1111%429
Return on Equity (ROE)18.7366%323
Retained earnings to average equity (ytd only)5.7961%2,294
Net charge-offs to loans-0.0315%4,826
Credit loss provision to net charge-offs-586.4198%4,662
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.6859%4,821
Assets per employee ($millions)4.2327%3,567
Cash dividends to net income (ytd only)*69.0653%1,120
Condition Ratios (%)
Loss allowance to loans1.6160%993
Loan loss allowance to noncurrent loans30.8539%4,629
Noncurrent assets plus other real estate owned to assets3.9150%124
Noncurrent loans to loans5.2376%101
Net loans and leases to total assets71.8821%2,276
Net loans and leases to deposits91.7041%1,587
Net loans and leases to core deposits102.4184%1,549
Total domestic deposits to total assets78.3849%4,426
Equity capital to assets11.8162%2,017
Core capital (leverage) ratio12.0275%1,719
Tier 1 risk-based capital ratio15.3918%2,665
Total risk-based capital ratio16.6448%2,586
Memoranda:
Average total assets$356,778,4001,890
Average earning assets$336,225,6001,864
Average equity$40,199,4001,849
Average total loans$257,139,4001,792
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7500%1,546
Cost of funding earning assets0.3545%4,154
Net interest margin4.3955%906
Noninterest income to average assets0.5834%2,398
Noninterest expense to average assets2.4932%3,618
Loan and lease loss provision to assets0.1210%1,671
Net operating income to assets2.1145%301
Return on assets (ROA)2.1145%297
Pretax return on assets2.1145%470
Return on Equity (ROE)18.9940%338
Retained earnings to average equity (ytd only)5.3738%3,019
Net charge-offs to loans0.0658%1,887
Credit loss provision to net charge-offs255.9055%1,157
Earnings coverage of net charge-offs (x)47.2832%1,213
Efficiency ratio51.8186%4,826
Assets per employee ($millions)4.3295%3,386
Cash dividends to net income (ytd only)*71.7078%802
Condition Ratios (%)
Loss allowance to loans1.4680%1,458
Loan loss allowance to noncurrent loans30.6709%4,734
Noncurrent assets plus other real estate owned to assets3.7008%147
Noncurrent loans to loans4.7863%134
Net loans and leases to total assets70.7893%2,532
Net loans and leases to deposits88.9488%2,026
Net loans and leases to core deposits98.8698%1,878
Total domestic deposits to total assets79.5843%4,202
Equity capital to assets11.0535%2,610
Core capital (leverage) ratio11.7851%1,925
Tier 1 risk-based capital ratio15.0526%2,861
Total risk-based capital ratio16.3038%2,783
Memoranda:
Average total assets$358,144,5001,889
Average earning assets$337,758,5001,870
Average equity$39,871,2501,864
Average total loans$257,254,2501,803
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7627%1,346
Cost of funding earning assets0.3385%4,142
Net interest margin4.4243%806
Noninterest income to average assets0.5641%2,502
Noninterest expense to average assets2.4761%3,695
Loan and lease loss provision to assets0.0559%2,789
Net operating income to assets2.2049%256
Return on assets (ROA)2.2049%246
Pretax return on assets2.2049%386
Return on Equity (ROE)19.7589%282
Retained earnings to average equity (ytd only)5.7413%2,700
Net charge-offs to loans0.0942%1,408
Credit loss provision to net charge-offs82.6446%2,233
Earnings coverage of net charge-offs (x)33.4215%1,416
Efficiency ratio51.3514%4,945
Assets per employee ($millions)4.5704%3,011
Cash dividends to net income (ytd only)*70.9432%970
Condition Ratios (%)
Loss allowance to loans1.4002%1,740
Loan loss allowance to noncurrent loans42.8897%4,544
Noncurrent assets plus other real estate owned to assets2.6443%314
Noncurrent loans to loans3.2647%319
Net loans and leases to total assets71.4538%2,375
Net loans and leases to deposits90.0748%1,832
Net loans and leases to core deposits99.9622%1,742
Total domestic deposits to total assets79.3272%4,371
Equity capital to assets11.3358%2,324
Core capital (leverage) ratio11.7827%1,849
Tier 1 risk-based capital ratio15.1141%2,820
Total risk-based capital ratio16.3645%2,745
Memoranda:
Average total assets$357,742,3301,902
Average earning assets$337,412,3301,881
Average equity$39,921,3301,862
Average total loans$256,948,3301,810
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6984%1,309
Cost of funding earning assets0.3347%4,107
Net interest margin4.3637%828
Noninterest income to average assets0.5179%2,698
Noninterest expense to average assets2.4311%3,860
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets2.2082%244
Return on assets (ROA)2.2082%243
Pretax return on assets2.2082%375
Return on Equity (ROE)19.9422%251
Retained earnings to average equity (ytd only)6.9412%2,304
Net charge-offs to loans-0.1442%5,308
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.4702%4,999
Assets per employee ($millions)4.7032%2,849
Cash dividends to net income (ytd only)*65.1934%1,120
Condition Ratios (%)
Loss allowance to loans1.4224%1,754
Loan loss allowance to noncurrent loans50.2180%4,450
Noncurrent assets plus other real estate owned to assets2.3319%426
Noncurrent loans to loans2.8324%439
Net loans and leases to total assets70.5393%2,387
Net loans and leases to deposits89.3031%1,780
Net loans and leases to core deposits99.8304%1,703
Total domestic deposits to total assets78.9886%4,583
Equity capital to assets10.9442%2,639
Core capital (leverage) ratio11.4512%2,051
Tier 1 risk-based capital ratio14.6416%3,055
Total risk-based capital ratio15.8922%2,961
Memoranda:
Average total assets$360,653,0001,894
Average earning assets$340,624,5001,868
Average equity$39,935,5001,872
Average total loans$257,906,5001,806
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7234%1,145
Cost of funding earning assets0.3446%3,761
Net interest margin4.3788%813
Noninterest income to average assets0.5164%2,901
Noninterest expense to average assets2.4614%3,908
Loan and lease loss provision to assets0.0575%3,080
Net operating income to assets2.1261%221
Return on assets (ROA)2.0594%257
Pretax return on assets2.0594%429
Return on Equity (ROE)18.7274%258
Retained earnings to average equity (ytd only)8.1243%721
Net charge-offs to loans0.2863%922
Credit loss provision to net charge-offs27.2851%3,557
Earnings coverage of net charge-offs (x)10.3602%2,685
Efficiency ratio51.8076%5,116
Assets per employee ($millions)4.6644%2,927
Cash dividends to net income (ytd only)*56.6183%1,931
Condition Ratios (%)
Loss allowance to loans1.3998%1,770
Loan loss allowance to noncurrent loans82.4461%3,870
Noncurrent assets plus other real estate owned to assets1.5405%876
Noncurrent loans to loans1.6979%965
Net loans and leases to total assets70.4641%2,450
Net loans and leases to deposits89.5861%1,824
Net loans and leases to core deposits100.4760%1,676
Total domestic deposits to total assets78.6551%4,615
Equity capital to assets11.2031%2,426
Core capital (leverage) ratio11.3841%2,029
Tier 1 risk-based capital ratio14.9098%2,887
Total risk-based capital ratio16.1607%2,821
Memoranda:
Average total assets$347,768,0001,929
Average earning assets$327,897,8001,899
Average equity$38,243,4001,920
Average total loans$256,030,6001,778
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7012%1,130
Cost of funding earning assets0.3445%3,726
Net interest margin4.3568%810
Noninterest income to average assets0.5184%2,909
Noninterest expense to average assets2.4453%3,900
Loan and lease loss provision to assets0.0773%2,530
Net operating income to assets2.1025%260
Return on assets (ROA)2.1025%268
Pretax return on assets2.1025%445
Return on Equity (ROE)19.2127%264
Retained earnings to average equity (ytd only)8.3294%1,082
Net charge-offs to loans0.0901%1,895
Credit loss provision to net charge-offs115.6069%2,069
Earnings coverage of net charge-offs (x)32.5955%1,477
Efficiency ratio51.7008%5,126
Assets per employee ($millions)4.2661%3,529
Cash dividends to net income (ytd only)*56.6465%1,479
Condition Ratios (%)
Loss allowance to loans1.6183%1,196
Loan loss allowance to noncurrent loans83.2765%3,846
Noncurrent assets plus other real estate owned to assets1.7049%845
Noncurrent loans to loans1.9432%887
Net loans and leases to total assets71.3051%2,360
Net loans and leases to deposits88.6172%1,973
Net loans and leases to core deposits99.6519%1,732
Total domestic deposits to total assets80.4641%4,218
Equity capital to assets11.1179%2,747
Core capital (leverage) ratio11.1808%2,294
Tier 1 risk-based capital ratio14.5857%3,139
Total risk-based capital ratio15.8394%3,055
Memoranda:
Average total assets$344,920,2501,949
Average earning assets$325,125,7501,929
Average equity$37,745,0001,955
Average total loans$255,870,5001,793
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6424%1,171
Cost of funding earning assets0.3401%3,688
Net interest margin4.3023%853
Noninterest income to average assets0.5283%2,840
Noninterest expense to average assets2.4261%3,976
Loan and lease loss provision to assets0.1170%1,759
Net operating income to assets2.0476%280
Return on assets (ROA)2.0476%289
Pretax return on assets2.0476%495
Return on Equity (ROE)18.8150%276
Retained earnings to average equity (ytd only)7.4346%1,382
Net charge-offs to loans0.1314%1,371
Credit loss provision to net charge-offs119.0476%1,791
Earnings coverage of net charge-offs (x)22.0238%1,726
Efficiency ratio51.7140%5,201
Assets per employee ($millions)4.6144%2,920
Cash dividends to net income (ytd only)*60.4857%1,472
Condition Ratios (%)
Loss allowance to loans1.6163%1,227
Loan loss allowance to noncurrent loans81.9921%3,909
Noncurrent assets plus other real estate owned to assets1.7208%821
Noncurrent loans to loans1.9713%857
Net loans and leases to total assets71.2139%2,332
Net loans and leases to deposits87.6170%2,034
Net loans and leases to core deposits99.6876%1,669
Total domestic deposits to total assets81.2786%4,111
Equity capital to assets10.8356%2,991
Core capital (leverage) ratio11.1194%2,298
Tier 1 risk-based capital ratio14.0315%3,417
Total risk-based capital ratio15.2849%3,325
Memoranda:
Average total assets$341,864,6701,970
Average earning assets$322,807,0001,943
Average equity$37,204,3301,972
Average total loans$255,615,6701,788
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4756%1,436
Cost of funding earning assets0.3433%3,593
Net interest margin4.1323%1,142
Noninterest income to average assets0.5287%2,773
Noninterest expense to average assets2.4288%4,034
Loan and lease loss provision to assets0.1194%1,601
Net operating income to assets1.8882%374
Return on assets (ROA)1.8882%388
Pretax return on assets1.8882%655
Return on Equity (ROE)17.3102%389
Retained earnings to average equity (ytd only)2.8011%4,007
Net charge-offs to loans0.2370%759
Credit loss provision to net charge-offs66.2252%1,866
Earnings coverage of net charge-offs (x)11.1391%1,905
Efficiency ratio53.6454%5,164
Assets per employee ($millions)4.5574%3,084
Cash dividends to net income (ytd only)*83.8180%913
Condition Ratios (%)
Loss allowance to loans1.6021%1,377
Loan loss allowance to noncurrent loans62.7889%4,361
Noncurrent assets plus other real estate owned to assets2.0196%651
Noncurrent loans to loans2.5516%609
Net loans and leases to total assets74.2113%1,700
Net loans and leases to deposits91.7165%1,354
Net loans and leases to core deposits105.1090%1,157
Total domestic deposits to total assets80.9137%4,433
Equity capital to assets10.8792%2,766
Core capital (leverage) ratio11.1839%2,203
Tier 1 risk-based capital ratio13.8895%3,549
Total risk-based capital ratio15.1427%3,459
Memoranda:
Average total assets$335,142,0002,018
Average earning assets$316,919,5001,985
Average equity$36,556,5002,004
Average total loans$254,830,0001,807
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7255%1,014
Cost of funding earning assets0.3354%3,689
Net interest margin4.3901%788
Noninterest income to average assets0.4999%3,237
Noninterest expense to average assets2.5089%3,979
Loan and lease loss provision to assets0.1895%1,239
Net operating income to assets1.9348%363
Return on assets (ROA)2.0974%273
Pretax return on assets2.0974%400
Return on Equity (ROE)18.7183%278
Retained earnings to average equity (ytd only)8.9928%595
Net charge-offs to loans0.2650%1,044
Credit loss provision to net charge-offs95.2381%2,692
Earnings coverage of net charge-offs (x)10.6778%2,620
Efficiency ratio52.7195%5,331
Assets per employee ($millions)4.5005%3,119
Cash dividends to net income (ytd only)*51.9572%2,189
Condition Ratios (%)
Loss allowance to loans1.6161%1,333
Loan loss allowance to noncurrent loans68.6865%4,261
Noncurrent assets plus other real estate owned to assets2.0412%663
Noncurrent loans to loans2.3528%695
Net loans and leases to total assets75.4222%1,613
Net loans and leases to deposits94.6047%1,131
Net loans and leases to core deposits108.9084%966
Total domestic deposits to total assets79.7235%4,626
Equity capital to assets10.9367%2,677
Core capital (leverage) ratio11.2649%2,112
Tier 1 risk-based capital ratio13.6963%3,651
Total risk-based capital ratio14.9498%3,558
Memoranda:
Average total assets$316,674,8002,078
Average earning assets$298,150,8002,055
Average equity$35,484,0002,053
Average total loans$237,757,2001,860
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7348%1,002
Cost of funding earning assets0.3270%3,807
Net interest margin4.4078%765
Noninterest income to average assets0.5055%3,216
Noninterest expense to average assets2.5076%3,966
Loan and lease loss provision to assets0.2559%729
Net operating income to assets1.8874%410
Return on assets (ROA)1.8917%428
Pretax return on assets1.8917%717
Return on Equity (ROE)16.7754%465
Retained earnings to average equity (ytd only)7.1981%1,531
Net charge-offs to loans0.2302%1,022
Credit loss provision to net charge-offs148.8834%1,785
Earnings coverage of net charge-offs (x)12.4690%2,386
Efficiency ratio52.4762%5,349
Assets per employee ($millions)4.3589%3,314
Cash dividends to net income (ytd only)*57.0914%1,550
Condition Ratios (%)
Loss allowance to loans1.7350%1,136
Loan loss allowance to noncurrent loans67.3839%4,339
Noncurrent assets plus other real estate owned to assets2.0524%757
Noncurrent loans to loans2.5748%668
Net loans and leases to total assets76.4325%1,453
Net loans and leases to deposits96.9698%955
Net loans and leases to core deposits112.3667%790
Total domestic deposits to total assets78.8210%4,764
Equity capital to assets11.4036%2,598
Core capital (leverage) ratio11.1804%2,286
Tier 1 risk-based capital ratio13.3669%3,941
Total risk-based capital ratio14.6216%3,853
Memoranda:
Average total assets$312,584,5002,104
Average earning assets$293,986,5002,087
Average equity$35,249,2502,076
Average total loans$233,369,2501,883
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6059%1,258
Cost of funding earning assets0.3075%4,045
Net interest margin4.2984%927
Noninterest income to average assets0.5225%3,051
Noninterest expense to average assets2.4969%4,038
Loan and lease loss provision to assets0.3880%398
Net operating income to assets1.6788%603
Return on assets (ROA)1.6853%632
Pretax return on assets1.6853%1,132
Return on Equity (ROE)15.0037%666
Retained earnings to average equity (ytd only)4.0762%3,310
Net charge-offs to loans0.3498%672
Credit loss provision to net charge-offs150.7538%1,581
Earnings coverage of net charge-offs (x)8.0302%2,558
Efficiency ratio53.2237%5,369
Assets per employee ($millions)4.2141%3,535
Cash dividends to net income (ytd only)*72.8319%1,092
Condition Ratios (%)
Loss allowance to loans1.8548%973
Loan loss allowance to noncurrent loans82.4910%4,068
Noncurrent assets plus other real estate owned to assets1.7618%992
Noncurrent loans to loans2.2485%824
Net loans and leases to total assets73.9476%1,852
Net loans and leases to deposits95.4984%1,132
Net loans and leases to core deposits108.8870%989
Total domestic deposits to total assets77.4333%5,091
Equity capital to assets11.4682%2,577
Core capital (leverage) ratio11.1352%2,294
Tier 1 risk-based capital ratio13.8427%3,700
Total risk-based capital ratio15.0990%3,610
Memoranda:
Average total assets$309,261,0002,127
Average earning assets$290,759,3302,108
Average equity$34,738,0002,103
Average total loans$227,529,0001,934
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6073%1,243
Cost of funding earning assets0.2858%4,319
Net interest margin4.3215%893
Noninterest income to average assets0.4910%3,188
Noninterest expense to average assets2.4470%4,233
Loan and lease loss provision to assets0.3896%362
Net operating income to assets1.7197%549
Return on assets (ROA)1.7326%566
Pretax return on assets1.7326%982
Return on Equity (ROE)15.5907%587
Retained earnings to average equity (ytd only)1.2038%4,768
Net charge-offs to loans0.0161%2,617
Credit loss provision to net charge-offs3,333.3333%125
Earnings coverage of net charge-offs (x)180.4444%337
Efficiency ratio52.2235%5,502
Assets per employee ($millions)4.3546%3,313
Cash dividends to net income (ytd only)*92.2789%804
Condition Ratios (%)
Loss allowance to loans1.9470%900
Loan loss allowance to noncurrent loans54.3112%4,727
Noncurrent assets plus other real estate owned to assets2.7839%485
Noncurrent loans to loans3.5849%376
Net loans and leases to total assets72.4371%1,961
Net loans and leases to deposits95.5652%983
Net loans and leases to core deposits106.0367%1,074
Total domestic deposits to total assets75.7986%5,427
Equity capital to assets11.1451%2,778
Core capital (leverage) ratio10.9932%2,409
Tier 1 risk-based capital ratio14.0590%3,650
Total risk-based capital ratio15.3165%3,578
Memoranda:
Average total assets$307,969,0002,143
Average earning assets$289,714,0002,130
Average equity$34,225,5002,129
Average total loans$223,813,5001,959
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3615%2,020
Cost of funding earning assets0.3566%3,631
Net interest margin4.0049%1,701
Noninterest income to average assets0.5522%2,998
Noninterest expense to average assets2.2081%5,035
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets2.1216%283
Return on assets (ROA)2.1216%288
Pretax return on assets2.1216%405
Return on Equity (ROE)20.4476%225
Retained earnings to average equity (ytd only)9.2118%604
Net charge-offs to loans0.0014%4,429
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)2,199.0000%16
Efficiency ratio49.1124%5,796
Assets per employee ($millions)4.2022%3,562
Cash dividends to net income (ytd only)*54.9492%2,017
Condition Ratios (%)
Loss allowance to loans1.8958%966
Loan loss allowance to noncurrent loans71.4580%4,348
Noncurrent assets plus other real estate owned to assets1.9647%908
Noncurrent loans to loans2.6530%672
Net loans and leases to total assets70.1084%2,349
Net loans and leases to deposits92.3839%1,358
Net loans and leases to core deposits102.8020%1,311
Total domestic deposits to total assets75.8881%5,456
Equity capital to assets11.0812%2,741
Core capital (leverage) ratio10.8086%2,596
Tier 1 risk-based capital ratio14.3552%3,518
Total risk-based capital ratio15.6116%3,429
Memoranda:
Average total assets$310,944,0002,088
Average earning assets$293,294,2002,057
Average equity$32,263,0002,185
Average total loans$211,637,0001,984
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3290%2,141
Cost of funding earning assets0.3694%3,550
Net interest margin3.9596%1,844
Noninterest income to average assets0.5560%3,016
Noninterest expense to average assets2.1680%5,131
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets2.1214%296
Return on assets (ROA)2.1214%312
Pretax return on assets2.1214%480
Return on Equity (ROE)20.7930%230
Retained earnings to average equity (ytd only)9.0519%880
Net charge-offs to loans-0.0044%4,815
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6500%5,841
Assets per employee ($millions)4.3909%3,176
Cash dividends to net income (ytd only)*56.4666%1,580
Condition Ratios (%)
Loss allowance to loans1.8850%1,104
Loan loss allowance to noncurrent loans87.2095%3,985
Noncurrent assets plus other real estate owned to assets1.6394%1,343
Noncurrent loans to loans2.1615%1,032
Net loans and leases to total assets68.5878%2,593
Net loans and leases to deposits88.1556%1,881
Net loans and leases to core deposits99.9175%1,524
Total domestic deposits to total assets77.8031%5,220
Equity capital to assets10.5185%3,584
Core capital (leverage) ratio10.6277%2,897
Tier 1 risk-based capital ratio14.0238%3,831
Total risk-based capital ratio15.2802%3,773
Memoranda:
Average total assets$311,989,5002,094
Average earning assets$294,162,0002,060
Average equity$31,830,5002,224
Average total loans$209,740,7502,007
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3222%2,105
Cost of funding earning assets0.3711%3,587
Net interest margin3.9511%1,802
Noninterest income to average assets0.5628%2,956
Noninterest expense to average assets2.1423%5,246
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets2.1429%285
Return on assets (ROA)2.1429%298
Pretax return on assets2.1429%458
Return on Equity (ROE)21.2272%225
Retained earnings to average equity (ytd only)8.5853%1,048
Net charge-offs to loans-0.0126%5,000
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0841%5,955
Assets per employee ($millions)4.8798%2,423
Cash dividends to net income (ytd only)*59.5553%1,547
Condition Ratios (%)
Loss allowance to loans1.9785%1,018
Loan loss allowance to noncurrent loans95.5566%3,809
Noncurrent assets plus other real estate owned to assets1.6049%1,502
Noncurrent loans to loans2.0705%1,165
Net loans and leases to total assets67.2349%2,764
Net loans and leases to deposits86.5055%2,005
Net loans and leases to core deposits98.3513%1,624
Total domestic deposits to total assets77.7233%5,328
Equity capital to assets10.2646%3,730
Core capital (leverage) ratio10.3445%3,153
Tier 1 risk-based capital ratio14.0025%3,920
Total risk-based capital ratio15.2597%3,853
Memoranda:
Average total assets$310,603,3302,119
Average earning assets$292,628,0002,089
Average equity$31,356,0002,257
Average total loans$205,986,0002,041
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2637%2,219
Cost of funding earning assets0.3561%3,792
Net interest margin3.9076%1,867
Noninterest income to average assets0.5830%2,749
Noninterest expense to average assets2.1051%5,370
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets2.1615%247
Return on assets (ROA)2.1615%264
Pretax return on assets2.1615%421
Return on Equity (ROE)21.5895%200
Retained earnings to average equity (ytd only)6.5267%2,224
Net charge-offs to loans0.0059%3,125
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)562.3333%95
Efficiency ratio47.4174%6,044
Assets per employee ($millions)4.9280%2,449
Cash dividends to net income (ytd only)*69.7688%1,189
Condition Ratios (%)
Loss allowance to loans2.0611%976
Loan loss allowance to noncurrent loans111.1527%3,439
Noncurrent assets plus other real estate owned to assets1.3716%1,929
Noncurrent loans to loans1.8543%1,449
Net loans and leases to total assets62.6158%3,275
Net loans and leases to deposits81.3605%2,400
Net loans and leases to core deposits92.4027%1,913
Total domestic deposits to total assets76.9609%5,617
Equity capital to assets10.0815%4,046
Core capital (leverage) ratio9.9268%3,704
Tier 1 risk-based capital ratio14.0395%3,975
Total risk-based capital ratio15.2971%3,899
Memoranda:
Average total assets$312,192,5002,124
Average earning assets$294,301,0002,089
Average equity$31,256,0002,275
Average total loans$203,544,5002,062
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2555%2,758
Cost of funding earning assets0.3412%4,353
Net interest margin3.9143%2,182
Noninterest income to average assets0.4951%3,550
Noninterest expense to average assets2.2565%5,222
Loan and lease loss provision to assets0.2878%724
Net operating income to assets1.6227%677
Return on assets (ROA)1.6289%697
Pretax return on assets1.6289%1,152
Return on Equity (ROE)17.8544%411
Retained earnings to average equity (ytd only)8.5522%813
Net charge-offs to loans0.0582%3,675
Credit loss provision to net charge-offs810.1852%337
Earnings coverage of net charge-offs (x)53.7778%873
Efficiency ratio54.1522%5,828
Assets per employee ($millions)4.8280%2,562
Cash dividends to net income (ytd only)*52.1002%2,157
Condition Ratios (%)
Loss allowance to loans2.0243%1,061
Loan loss allowance to noncurrent loans110.4355%3,496
Noncurrent assets plus other real estate owned to assets1.4382%1,916
Noncurrent loans to loans1.8331%1,557
Net loans and leases to total assets65.1434%3,028
Net loans and leases to deposits84.1334%2,197
Net loans and leases to core deposits95.9492%1,728
Total domestic deposits to total assets77.4288%5,533
Equity capital to assets9.9406%4,189
Core capital (leverage) ratio9.7752%3,867
Tier 1 risk-based capital ratio14.2227%3,949
Total risk-based capital ratio15.4817%3,878
Memoranda:
Average total assets$304,005,6002,140
Average earning assets$285,187,0002,091
Average equity$27,735,4002,425
Average total loans$185,438,8002,168
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1993%2,995
Cost of funding earning assets0.3448%4,395
Net interest margin3.8545%2,418
Noninterest income to average assets0.5214%3,398
Noninterest expense to average assets2.2649%5,193
Loan and lease loss provision to assets0.3193%587
Net operating income to assets1.5510%842
Return on assets (ROA)1.5594%863
Pretax return on assets1.5594%1,453
Return on Equity (ROE)17.4923%492
Retained earnings to average equity (ytd only)8.2003%1,266
Net charge-offs to loans-0.0015%5,173
Credit loss provision to net charge-offs-36,250.0000%6,094
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7710%5,754
Assets per employee ($millions)5.0085%2,231
Cash dividends to net income (ytd only)*53.1206%1,689
Condition Ratios (%)
Loss allowance to loans2.2057%937
Loan loss allowance to noncurrent loans105.5883%3,535
Noncurrent assets plus other real estate owned to assets1.4012%2,205
Noncurrent loans to loans2.0890%1,501
Net loans and leases to total assets58.8113%3,962
Net loans and leases to deposits77.4882%3,007
Net loans and leases to core deposits89.0828%2,315
Total domestic deposits to total assets75.8971%5,830
Equity capital to assets9.3702%4,955
Core capital (leverage) ratio9.5942%4,254
Tier 1 risk-based capital ratio15.0272%3,566
Total risk-based capital ratio16.2876%3,500
Memoranda:
Average total assets$302,758,2502,155
Average earning assets$283,851,0002,114
Average equity$26,990,2502,491
Average total loans$180,436,2502,238
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2054%2,932
Cost of funding earning assets0.3446%4,487
Net interest margin3.8609%2,325
Noninterest income to average assets0.4904%3,549
Noninterest expense to average assets2.3034%5,138
Loan and lease loss provision to assets0.3831%448
Net operating income to assets1.4172%1,027
Return on assets (ROA)1.4299%1,040
Pretax return on assets1.4299%1,785
Return on Equity (ROE)16.3268%620
Retained earnings to average equity (ytd only)6.5125%2,027
Net charge-offs to loans0.0045%4,228
Credit loss provision to net charge-offs14,375.0000%26
Earnings coverage of net charge-offs (x)675.5000%103
Efficiency ratio56.1292%5,736
Assets per employee ($millions)4.6426%2,711
Cash dividends to net income (ytd only)*60.1118%1,514
Condition Ratios (%)
Loss allowance to loans2.1000%1,174
Loan loss allowance to noncurrent loans100.7116%3,630
Noncurrent assets plus other real estate owned to assets1.4793%2,207
Noncurrent loans to loans2.0852%1,604
Net loans and leases to total assets61.2224%3,537
Net loans and leases to deposits76.7973%2,953
Net loans and leases to core deposits89.5861%2,163
Total domestic deposits to total assets79.7195%5,302
Equity capital to assets9.3572%4,906
Core capital (leverage) ratio9.5578%4,243
Tier 1 risk-based capital ratio14.3434%4,030
Total risk-based capital ratio15.6027%3,961
Memoranda:
Average total assets$300,168,6702,174
Average earning assets$280,922,0002,135
Average equity$26,288,0002,544
Average total loans$178,333,6702,254
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0679%3,407
Cost of funding earning assets0.3466%4,570
Net interest margin3.7213%2,780
Noninterest income to average assets0.4703%3,627
Noninterest expense to average assets2.2915%5,213
Loan and lease loss provision to assets0.3674%464
Net operating income to assets1.2974%1,223
Return on assets (ROA)1.2974%1,267
Pretax return on assets1.2974%2,104
Return on Equity (ROE)15.3436%726
Retained earnings to average equity (ytd only)2.7179%4,456
Net charge-offs to loans0.0485%2,705
Credit loss provision to net charge-offs1,309.5238%250
Earnings coverage of net charge-offs (x)59.3333%662
Efficiency ratio57.9196%5,654
Assets per employee ($millions)4.6229%2,769
Cash dividends to net income (ytd only)*82.2863%924
Condition Ratios (%)
Loss allowance to loans2.1116%1,301
Loan loss allowance to noncurrent loans93.7034%3,771
Noncurrent assets plus other real estate owned to assets1.5605%2,260
Noncurrent loans to loans2.2535%1,602
Net loans and leases to total assets56.2473%4,119
Net loans and leases to deposits69.7066%3,641
Net loans and leases to core deposits81.3838%2,808
Total domestic deposits to total assets80.6915%5,317
Equity capital to assets8.6762%5,459
Core capital (leverage) ratio9.3500%4,502
Tier 1 risk-based capital ratio14.9426%3,743
Total risk-based capital ratio16.2015%3,690
Memoranda:
Average total assets$299,369,5002,182
Average earning assets$280,437,5002,143
Average equity$25,313,5002,623
Average total loans$173,144,5002,309
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1591%3,503
Cost of funding earning assets0.4563%4,056
Net interest margin3.7027%3,042
Noninterest income to average assets0.5783%3,221
Noninterest expense to average assets2.2626%5,473
Loan and lease loss provision to assets0.3766%818
Net operating income to assets1.4228%979
Return on assets (ROA)1.3366%1,206
Pretax return on assets1.3366%2,025
Return on Equity (ROE)13.6148%1,038
Retained earnings to average equity (ytd only)6.9481%1,455
Net charge-offs to loans0.4120%1,630
Credit loss provision to net charge-offs165.7459%1,376
Earnings coverage of net charge-offs (x)7.9190%2,762
Efficiency ratio54.9088%6,061
Assets per employee ($millions)4.7341%2,532
Cash dividends to net income (ytd only)*48.9668%2,323
Condition Ratios (%)
Loss allowance to loans1.9536%1,665
Loan loss allowance to noncurrent loans100.2068%3,601
Noncurrent assets plus other real estate owned to assets1.4277%2,605
Noncurrent loans to loans1.9496%2,045
Net loans and leases to total assets57.0776%4,185
Net loans and leases to deposits70.8954%3,665
Net loans and leases to core deposits84.7315%2,585
Total domestic deposits to total assets80.5096%5,318
Equity capital to assets8.2334%5,839
Core capital (leverage) ratio9.3520%4,473
Tier 1 risk-based capital ratio14.9732%3,685
Total risk-based capital ratio16.2307%3,621
Memoranda:
Average total assets$238,972,6002,628
Average earning assets$224,833,2002,570
Average equity$23,459,8002,777
Average total loans$131,783,6002,829
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0588%3,900
Cost of funding earning assets0.4853%3,909
Net interest margin3.5735%3,559
Noninterest income to average assets0.4009%4,531
Noninterest expense to average assets1.9849%6,040
Loan and lease loss provision to assets0.4015%749
Net operating income to assets1.3782%1,154
Return on assets (ROA)1.3782%1,196
Pretax return on assets1.3782%2,002
Return on Equity (ROE)13.3240%1,162
Retained earnings to average equity (ytd only)6.7108%2,024
Net charge-offs to loans0.6242%990
Credit loss provision to net charge-offs118.8380%1,980
Earnings coverage of net charge-offs (x)5.2676%3,237
Efficiency ratio52.7255%6,203
Assets per employee ($millions)5.5269%1,596
Cash dividends to net income (ytd only)*49.6332%1,881
Condition Ratios (%)
Loss allowance to loans2.4540%983
Loan loss allowance to noncurrent loans137.3415%2,717
Noncurrent assets plus other real estate owned to assets1.1860%3,284
Noncurrent loans to loans1.7868%2,515
Net loans and leases to total assets53.7858%4,646
Net loans and leases to deposits74.4631%3,162
Net loans and leases to core deposits90.8009%1,889
Total domestic deposits to total assets72.2315%6,477
Equity capital to assets10.5562%3,208
Core capital (leverage) ratio12.5048%1,422
Tier 1 risk-based capital ratio19.1625%1,935
Total risk-based capital ratio20.4235%1,904
Memoranda:
Average total assets$224,153,2502,795
Average earning assets$210,995,2502,725
Average equity$23,185,7502,824
Average total loans$121,323,0003,031
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0044%4,088
Cost of funding earning assets0.4964%3,934
Net interest margin3.5080%3,748
Noninterest income to average assets0.3964%4,552
Noninterest expense to average assets1.9703%6,094
Loan and lease loss provision to assets0.4063%760
Net operating income to assets1.3508%1,191
Return on assets (ROA)1.3508%1,277
Pretax return on assets1.3508%2,118
Return on Equity (ROE)13.1538%1,209
Retained earnings to average equity (ytd only)6.3043%2,259
Net charge-offs to loans0.9572%643
Credit loss provision to net charge-offs78.9474%2,651
Earnings coverage of net charge-offs (x)3.4140%3,392
Efficiency ratio52.8585%6,228
Assets per employee ($millions)4.9308%2,186
Cash dividends to net income (ytd only)*52.0722%1,777
Condition Ratios (%)
Loss allowance to loans2.4223%1,068
Loan loss allowance to noncurrent loans127.4596%2,877
Noncurrent assets plus other real estate owned to assets1.1979%3,349
Noncurrent loans to loans1.9004%2,507
Net loans and leases to total assets52.9217%4,749
Net loans and leases to deposits69.7024%3,760
Net loans and leases to core deposits85.5034%2,384
Total domestic deposits to total assets75.9252%6,256
Equity capital to assets9.6346%4,407
Core capital (leverage) ratio10.5095%2,868
Tier 1 risk-based capital ratio18.0465%2,302
Total risk-based capital ratio19.3090%2,261
Memoranda:
Average total assets$221,494,3302,821
Average earning assets$210,316,3302,739
Average equity$22,746,3302,895
Average total loans$119,099,3303,089
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9976%4,122
Cost of funding earning assets0.5002%4,084
Net interest margin3.4974%3,710
Noninterest income to average assets0.3832%4,595
Noninterest expense to average assets1.9214%6,247
Loan and lease loss provision to assets0.4067%753
Net operating income to assets1.3791%1,075
Return on assets (ROA)1.3791%1,164
Pretax return on assets1.3791%1,923
Return on Equity (ROE)13.0258%1,161
Retained earnings to average equity (ytd only)6.2653%2,531
Net charge-offs to loans0.2971%1,777
Credit loss provision to net charge-offs255.6818%910
Earnings coverage of net charge-offs (x)11.2273%1,674
Efficiency ratio51.8284%6,392
Assets per employee ($millions)5.2727%1,898
Cash dividends to net income (ytd only)*51.9004%1,520
Condition Ratios (%)
Loss allowance to loans2.6706%944
Loan loss allowance to noncurrent loans99.7798%3,365
Noncurrent assets plus other real estate owned to assets1.4355%3,108
Noncurrent loans to loans2.6765%1,914
Net loans and leases to total assets52.2018%4,679
Net loans and leases to deposits68.1130%3,764
Net loans and leases to core deposits83.1813%2,437
Total domestic deposits to total assets76.6401%6,294
Equity capital to assets10.5788%3,452
Core capital (leverage) ratio10.5748%2,680
Tier 1 risk-based capital ratio18.1918%2,287
Total risk-based capital ratio19.4574%2,251
Memoranda:
Average total assets$221,297,5002,856
Average earning assets$210,327,5002,769
Average equity$23,430,5002,863
Average total loans$118,478,0003,114
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4933%3,416
Cost of funding earning assets0.5900%4,441
Net interest margin3.9033%2,812
Noninterest income to average assets0.3483%4,978
Noninterest expense to average assets2.0457%6,243
Loan and lease loss provision to assets0.5544%1,028
Net operating income to assets1.4345%1,037
Return on assets (ROA)1.4742%1,076
Pretax return on assets1.4742%1,764
Return on Equity (ROE)14.1260%972
Retained earnings to average equity (ytd only)5.7283%2,232
Net charge-offs to loans0.2552%3,412
Credit loss provision to net charge-offs400.0000%597
Earnings coverage of net charge-offs (x)14.3500%1,740
Efficiency ratio50.7042%6,542
Assets per employee ($millions)4.8075%2,481
Cash dividends to net income (ytd only)*59.4484%1,832
Condition Ratios (%)
Loss allowance to loans2.5681%1,048
Loan loss allowance to noncurrent loans98.6350%3,358
Noncurrent assets plus other real estate owned to assets1.3914%3,313
Noncurrent loans to loans2.6036%2,033
Net loans and leases to total assets52.0690%4,917
Net loans and leases to deposits68.4437%3,909
Net loans and leases to core deposits83.5701%2,595
Total domestic deposits to total assets76.0757%6,344
Equity capital to assets10.5968%3,400
Core capital (leverage) ratio10.5470%2,710
Tier 1 risk-based capital ratio18.1414%2,207
Total risk-based capital ratio19.4055%2,170
Memoranda:
Average total assets$216,454,4002,872
Average earning assets$204,416,0002,810
Average equity$22,589,6002,903
Average total loans$117,551,0003,134
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5906%3,244
Cost of funding earning assets0.6114%4,525
Net interest margin3.9792%2,580
Noninterest income to average assets0.3128%5,281
Noninterest expense to average assets2.0723%6,219
Loan and lease loss provision to assets0.5574%1,032
Net operating income to assets1.4356%1,152
Return on assets (ROA)1.4889%1,155
Pretax return on assets1.4889%1,924
Return on Equity (ROE)14.3229%1,043
Retained earnings to average equity (ytd only)5.1060%3,291
Net charge-offs to loans0.3419%2,742
Credit loss provision to net charge-offs299.0033%907
Earnings coverage of net charge-offs (x)10.6911%2,157
Efficiency ratio50.9750%6,521
Assets per employee ($millions)4.4938%2,922
Cash dividends to net income (ytd only)*64.3513%1,116
Condition Ratios (%)
Loss allowance to loans2.4358%1,294
Loan loss allowance to noncurrent loans87.3203%3,613
Noncurrent assets plus other real estate owned to assets1.5285%3,285
Noncurrent loans to loans2.7895%2,018
Net loans and leases to total assets50.7694%5,217
Net loans and leases to deposits66.9303%4,352
Net loans and leases to core deposits83.2896%2,778
Total domestic deposits to total assets75.8541%6,399
Equity capital to assets10.6198%3,705
Core capital (leverage) ratio10.4303%2,997
Tier 1 risk-based capital ratio18.3883%2,201
Total risk-based capital ratio19.6503%2,175
Memoranda:
Average total assets$215,282,2502,915
Average earning assets$203,018,2502,840
Average equity$22,378,5002,959
Average total loans$117,393,2503,172
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7459%2,734
Cost of funding earning assets0.6356%4,564
Net interest margin4.1103%2,046
Noninterest income to average assets0.2965%5,433
Noninterest expense to average assets2.0991%6,232
Loan and lease loss provision to assets0.5578%1,097
Net operating income to assets1.5050%983
Return on assets (ROA)1.5850%963
Pretax return on assets1.5850%1,585
Return on Equity (ROE)15.3587%873
Retained earnings to average equity (ytd only)5.1796%3,168
Net charge-offs to loans0.1007%4,159
Credit loss provision to net charge-offs1,000.0000%319
Earnings coverage of net charge-offs (x)36.9833%930
Efficiency ratio50.4356%6,612
Assets per employee ($millions)4.6538%2,632
Cash dividends to net income (ytd only)*66.2757%1,188
Condition Ratios (%)
Loss allowance to loans2.2529%1,670
Loan loss allowance to noncurrent loans92.1778%3,419
Noncurrent assets plus other real estate owned to assets1.7970%3,043
Noncurrent loans to loans2.4441%2,455
Net loans and leases to total assets54.2144%4,761
Net loans and leases to deposits71.9104%3,626
Net loans and leases to core deposits88.8837%2,112
Total domestic deposits to total assets75.3917%6,544
Equity capital to assets10.7047%3,450
Core capital (leverage) ratio10.3215%3,021
Tier 1 risk-based capital ratio18.0478%2,274
Total risk-based capital ratio19.3095%2,243
Memoranda:
Average total assets$215,142,6702,927
Average earning assets$202,320,0002,852
Average equity$22,202,3302,964
Average total loans$119,109,6703,154
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8134%2,577
Cost of funding earning assets0.6599%4,637
Net interest margin4.1535%1,924
Noninterest income to average assets0.3839%4,796
Noninterest expense to average assets2.0772%6,317
Loan and lease loss provision to assets0.5564%1,044
Net operating income to assets1.6376%812
Return on assets (ROA)1.6376%907
Pretax return on assets1.6376%1,460
Return on Equity (ROE)16.1681%780
Retained earnings to average equity (ytd only)3.5888%4,422
Net charge-offs to loans0.1945%2,953
Credit loss provision to net charge-offs517.2414%635
Earnings coverage of net charge-offs (x)20.3966%1,191
Efficiency ratio48.6322%6,761
Assets per employee ($millions)4.4285%3,133
Cash dividends to net income (ytd only)*77.8029%839
Condition Ratios (%)
Loss allowance to loans1.9969%2,365
Loan loss allowance to noncurrent loans179.6674%1,831
Noncurrent assets plus other real estate owned to assets1.0922%4,308
Noncurrent loans to loans1.1115%4,472
Net loans and leases to total assets53.7586%4,761
Net loans and leases to deposits70.2860%3,694
Net loans and leases to core deposits87.8645%2,068
Total domestic deposits to total assets76.4855%6,490
Equity capital to assets9.9383%4,205
Core capital (leverage) ratio10.1343%3,196
Tier 1 risk-based capital ratio17.1649%2,616
Total risk-based capital ratio18.4227%2,576
Memoranda:
Average total assets$215,677,0002,937
Average earning assets$201,852,0002,876
Average equity$21,845,5002,994
Average total loans$119,297,5003,168
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0339%2,740
Cost of funding earning assets0.7863%4,965
Net interest margin4.2476%1,895
Noninterest income to average assets0.3621%4,920
Noninterest expense to average assets2.0838%6,522
Loan and lease loss provision to assets0.4765%2,219
Net operating income to assets1.7840%472
Return on assets (ROA)2.0137%324
Pretax return on assets2.0137%520
Return on Equity (ROE)20.7619%234
Retained earnings to average equity (ytd only)12.0612%299
Net charge-offs to loans0.9016%1,925
Credit loss provision to net charge-offs91.0747%3,963
Earnings coverage of net charge-offs (x)4.3206%3,166
Efficiency ratio47.9653%6,950
Assets per employee ($millions)4.3746%3,107
Cash dividends to net income (ytd only)*41.9072%2,471
Condition Ratios (%)
Loss allowance to loans1.7857%2,913
Loan loss allowance to noncurrent loans163.2263%1,968
Noncurrent assets plus other real estate owned to assets1.0986%4,422
Noncurrent loans to loans1.0940%4,525
Net loans and leases to total assets54.7818%4,913
Net loans and leases to deposits70.8580%3,973
Net loans and leases to core deposits89.8530%2,148
Total domestic deposits to total assets77.3120%6,296
Equity capital to assets10.3216%3,754
Core capital (leverage) ratio10.1942%3,089
Tier 1 risk-based capital ratio17.1737%2,524
Total risk-based capital ratio18.4292%2,482
Memoranda:
Average total assets$209,861,6002,946
Average earning assets$196,748,0002,894
Average equity$20,354,6003,087
Average total loans$121,785,2003,142
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0654%2,776
Cost of funding earning assets0.8252%4,976
Net interest margin4.2402%1,946
Noninterest income to average assets0.4005%4,664
Noninterest expense to average assets2.1117%6,485
Loan and lease loss provision to assets0.4471%2,236
Net operating income to assets1.8262%494
Return on assets (ROA)1.8262%536
Pretax return on assets1.8262%908
Return on Equity (ROE)19.1437%373
Retained earnings to average equity (ytd only)10.5127%726
Net charge-offs to loans0.0349%5,660
Credit loss provision to net charge-offs2,187.5000%125
Earnings coverage of net charge-offs (x)111.2072%323
Efficiency ratio48.1573%6,954
Assets per employee ($millions)4.3393%3,197
Cash dividends to net income (ytd only)*45.0857%1,806
Condition Ratios (%)
Loss allowance to loans2.3947%1,540
Loan loss allowance to noncurrent loans122.5084%2,456
Noncurrent assets plus other real estate owned to assets2.1959%2,897
Noncurrent loans to loans1.9548%3,420
Net loans and leases to total assets55.6089%4,901
Net loans and leases to deposits71.2850%4,097
Net loans and leases to core deposits90.8343%2,144
Total domestic deposits to total assets78.0093%6,192
Equity capital to assets10.1935%4,093
Core capital (leverage) ratio10.0067%3,434
Tier 1 risk-based capital ratio16.3960%2,915
Total risk-based capital ratio17.6585%2,876
Memoranda:
Average total assets$208,738,0002,974
Average earning assets$196,149,5002,914
Average equity$19,912,0003,157
Average total loans$122,340,7503,158
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1292%2,549
Cost of funding earning assets0.8867%4,780
Net interest margin4.2425%1,871
Noninterest income to average assets0.3972%4,703
Noninterest expense to average assets2.1654%6,472
Loan and lease loss provision to assets0.3856%2,485
Net operating income to assets1.8318%470
Return on assets (ROA)1.8318%502
Pretax return on assets1.8318%825
Return on Equity (ROE)19.6640%334
Retained earnings to average equity (ytd only)10.9808%669
Net charge-offs to loans0.0554%5,095
Credit loss provision to net charge-offs1,176.4706%291
Earnings coverage of net charge-offs (x)67.6471%489
Efficiency ratio49.4061%6,978
Assets per employee ($millions)4.4385%2,947
Cash dividends to net income (ytd only)*44.1579%1,902
Condition Ratios (%)
Loss allowance to loans2.1186%2,078
Loan loss allowance to noncurrent loans118.1901%2,472
Noncurrent assets plus other real estate owned to assets2.4479%2,718
Noncurrent loans to loans1.7925%3,766
Net loans and leases to total assets58.8130%4,496
Net loans and leases to deposits75.6456%3,537
Net loans and leases to core deposits96.9098%1,592
Total domestic deposits to total assets77.7481%6,337
Equity capital to assets10.1675%3,921
Core capital (leverage) ratio9.8847%3,404
Tier 1 risk-based capital ratio15.7910%3,084
Total risk-based capital ratio17.0508%3,060
Memoranda:
Average total assets$207,442,0003,002
Average earning assets$194,884,3302,940
Average equity$19,324,6703,227
Average total loans$122,741,0003,177
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1513%2,431
Cost of funding earning assets0.9013%4,913
Net interest margin4.2500%1,743
Noninterest income to average assets0.4228%4,514
Noninterest expense to average assets2.2135%6,391
Loan and lease loss provision to assets0.2870%2,852
Net operating income to assets1.9189%392
Return on assets (ROA)1.9189%414
Pretax return on assets1.9189%652
Return on Equity (ROE)21.5612%265
Retained earnings to average equity (ytd only)14.3168%449
Net charge-offs to loans0.0749%4,190
Credit loss provision to net charge-offs652.1739%577
Earnings coverage of net charge-offs (x)50.1304%574
Efficiency ratio50.0866%6,978
Assets per employee ($millions)4.3478%3,136
Cash dividends to net income (ytd only)*33.5992%1,905
Condition Ratios (%)
Loss allowance to loans1.9490%2,546
Loan loss allowance to noncurrent loans104.1961%2,761
Noncurrent assets plus other real estate owned to assets2.4529%2,774
Noncurrent loans to loans1.8705%3,731
Net loans and leases to total assets56.8680%4,830
Net loans and leases to deposits72.2599%4,032
Net loans and leases to core deposits95.3643%1,733
Total domestic deposits to total assets78.6992%6,259
Equity capital to assets8.9826%5,225
Core capital (leverage) ratio9.5210%3,775
Tier 1 risk-based capital ratio15.5154%3,159
Total risk-based capital ratio16.7730%3,101
Memoranda:
Average total assets$209,077,5002,997
Average earning assets$196,611,0002,925
Average equity$18,607,5003,307
Average total loans$122,772,5003,199
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2990%3,133
Cost of funding earning assets1.0084%5,650
Net interest margin4.2906%1,852
Noninterest income to average assets0.3900%4,979
Noninterest expense to average assets2.2456%6,492
Loan and lease loss provision to assets0.5213%3,068
Net operating income to assets1.6741%545
Return on assets (ROA)1.6741%587
Pretax return on assets1.6741%989
Return on Equity (ROE)18.2822%359
Retained earnings to average equity (ytd only)8.0616%964
Net charge-offs to loans0.3618%4,209
Credit loss provision to net charge-offs232.9670%1,261
Earnings coverage of net charge-offs (x)9.8110%1,778
Efficiency ratio50.5648%7,083
Assets per employee ($millions)4.5535%2,779
Cash dividends to net income (ytd only)*55.9048%1,810
Condition Ratios (%)
Loss allowance to loans1.7927%2,884
Loan loss allowance to noncurrent loans59.6632%4,450
Noncurrent assets plus other real estate owned to assets2.8640%2,443
Noncurrent loans to loans3.0047%2,547
Net loans and leases to total assets58.3755%4,970
Net loans and leases to deposits75.3500%3,950
Net loans and leases to core deposits101.0612%1,532
Total domestic deposits to total assets77.4724%6,405
Equity capital to assets8.8173%5,405
Core capital (leverage) ratio9.1030%4,355
Tier 1 risk-based capital ratio14.7178%3,415
Total risk-based capital ratio15.9738%3,373
Memoranda:
Average total assets$203,329,2003,063
Average earning assets$191,978,6002,974
Average equity$18,619,2003,330
Average total loans$125,746,0003,203
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3693%3,034
Cost of funding earning assets1.0357%5,772
Net interest margin4.3336%1,736
Noninterest income to average assets0.3839%5,084
Noninterest expense to average assets2.2385%6,498
Loan and lease loss provision to assets0.4361%3,293
Net operating income to assets1.8038%498
Return on assets (ROA)1.8038%543
Pretax return on assets1.8038%918
Return on Equity (ROE)19.5099%342
Retained earnings to average equity (ytd only)8.8831%1,090
Net charge-offs to loans0.0476%6,049
Credit loss provision to net charge-offs1,466.6667%209
Earnings coverage of net charge-offs (x)75.3315%402
Efficiency ratio49.9852%7,154
Assets per employee ($millions)4.7763%2,483
Cash dividends to net income (ytd only)*54.4689%1,452
Condition Ratios (%)
Loss allowance to loans1.8240%2,707
Loan loss allowance to noncurrent loans43.6102%5,367
Noncurrent assets plus other real estate owned to assets3.0377%2,390
Noncurrent loans to loans4.1825%1,751
Net loans and leases to total assets57.4203%5,347
Net loans and leases to deposits73.4760%4,595
Net loans and leases to core deposits97.3162%2,112
Total domestic deposits to total assets78.1484%6,231
Equity capital to assets9.4885%4,862
Core capital (leverage) ratio9.2674%4,253
Tier 1 risk-based capital ratio14.9896%3,257
Total risk-based capital ratio16.2458%3,240
Memoranda:
Average total assets$201,795,7503,115
Average earning assets$190,660,5003,031
Average equity$18,656,7503,367
Average total loans$126,055,7503,248
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5556%2,312
Cost of funding earning assets1.0915%5,721
Net interest margin4.4641%1,280
Noninterest income to average assets0.4090%4,832
Noninterest expense to average assets2.2713%6,433
Loan and lease loss provision to assets0.4422%3,111
Net operating income to assets1.9125%386
Return on assets (ROA)1.9125%427
Pretax return on assets1.9125%721
Return on Equity (ROE)20.8792%265
Retained earnings to average equity (ytd only)9.7868%895
Net charge-offs to loans0.0016%6,364
Credit loss provision to net charge-offs44,000.0000%5
Earnings coverage of net charge-offs (x)2,343.0000%2
Efficiency ratio49.0984%7,279
Assets per employee ($millions)4.4122%3,034
Cash dividends to net income (ytd only)*53.1266%1,556
Condition Ratios (%)
Loss allowance to loans1.6657%3,206
Loan loss allowance to noncurrent loans55.0640%4,636
Noncurrent assets plus other real estate owned to assets2.3655%3,047
Noncurrent loans to loans3.0251%2,661
Net loans and leases to total assets60.0920%5,041
Net loans and leases to deposits77.9996%3,963
Net loans and leases to core deposits103.4821%1,685
Total domestic deposits to total assets77.0415%6,499
Equity capital to assets9.4328%4,814
Core capital (leverage) ratio9.1590%4,362
Tier 1 risk-based capital ratio14.8280%3,250
Total risk-based capital ratio16.0831%3,222
Memoranda:
Average total assets$199,008,0003,179
Average earning assets$187,990,3303,094
Average equity$18,228,6703,429
Average total loans$127,102,3303,257
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7974%1,469
Cost of funding earning assets1.1041%5,889
Net interest margin4.6933%790
Noninterest income to average assets0.3999%4,919
Noninterest expense to average assets2.2738%6,469
Loan and lease loss provision to assets0.6090%2,090
Net operating income to assets1.9530%377
Return on assets (ROA)1.9530%408
Pretax return on assets1.9530%665
Return on Equity (ROE)21.6539%289
Retained earnings to average equity (ytd only)9.7690%1,191
Net charge-offs to loans-0.0218%7,094
Credit loss provision to net charge-offs-4,285.7143%6,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.0193%7,499
Assets per employee ($millions)4.2418%3,391
Cash dividends to net income (ytd only)*54.8857%1,365
Condition Ratios (%)
Loss allowance to loans1.5146%3,834
Loan loss allowance to noncurrent loans49.0241%5,062
Noncurrent assets plus other real estate owned to assets2.2246%3,243
Noncurrent loans to loans3.0896%2,591
Net loans and leases to total assets63.0773%4,520
Net loans and leases to deposits81.8599%3,304
Net loans and leases to core deposits109.6335%1,306
Total domestic deposits to total assets77.0552%6,550
Equity capital to assets9.1024%5,129
Core capital (leverage) ratio9.2572%4,122
Tier 1 risk-based capital ratio14.2134%3,528
Total risk-based capital ratio15.4665%3,499
Memoranda:
Average total assets$197,031,0003,256
Average earning assets$186,221,5003,173
Average equity$17,770,5003,527
Average total loans$128,638,5003,283
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7897%2,700
Cost of funding earning assets1.4407%5,764
Net interest margin4.3490%1,577
Noninterest income to average assets0.4387%4,893
Noninterest expense to average assets2.3687%6,554
Loan and lease loss provision to assets0.6085%3,364
Net operating income to assets1.5685%586
Return on assets (ROA)1.6360%531
Pretax return on assets1.6360%891
Return on Equity (ROE)22.6173%144
Retained earnings to average equity (ytd only)2.9236%3,123
Net charge-offs to loans0.4047%4,203
Credit loss provision to net charge-offs230.7692%1,588
Earnings coverage of net charge-offs (x)8.2558%1,969
Efficiency ratio52.1084%7,374
Assets per employee ($millions)4.2325%3,373
Cash dividends to net income (ytd only)*87.0738%940
Condition Ratios (%)
Loss allowance to loans1.2555%5,018
Loan loss allowance to noncurrent loans56.0069%4,636
Noncurrent assets plus other real estate owned to assets1.7437%3,753
Noncurrent loans to loans2.2417%3,349
Net loans and leases to total assets65.7237%4,229
Net loans and leases to deposits85.7890%2,949
Net loans and leases to core deposits134.4534%1,028
Total domestic deposits to total assets76.6108%6,565
Equity capital to assets8.9339%5,242
Core capital (leverage) ratio8.6321%5,047
Tier 1 risk-based capital ratio13.3227%3,932
Total risk-based capital ratio14.5503%3,887
Memoranda:
Average total assets$197,193,8003,213
Average earning assets$186,226,6003,142
Average equity$14,263,4004,197
Average total loans$128,491,4003,297
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7119%3,285
Cost of funding earning assets1.4919%5,856
Net interest margin4.2201%1,973
Noninterest income to average assets0.4388%4,968
Noninterest expense to average assets2.3732%6,498
Loan and lease loss provision to assets0.6066%2,964
Net operating income to assets1.4437%934
Return on assets (ROA)1.4558%963
Pretax return on assets1.4558%1,536
Return on Equity (ROE)21.3633%236
Retained earnings to average equity (ytd only)4.2232%2,912
Net charge-offs to loans0.4357%3,499
Credit loss provision to net charge-offs214.7971%2,043
Earnings coverage of net charge-offs (x)7.2602%2,439
Efficiency ratio53.6492%7,273
Assets per employee ($millions)4.5430%2,790
Cash dividends to net income (ytd only)*80.2315%941
Condition Ratios (%)
Loss allowance to loans1.0809%5,837
Loan loss allowance to noncurrent loans80.7692%3,388
Noncurrent assets plus other real estate owned to assets0.9345%5,202
Noncurrent loans to loans1.3382%4,698
Net loans and leases to total assets62.5356%5,155
Net loans and leases to deposits79.1894%4,536
Net loans and leases to core deposits124.8837%1,826
Total domestic deposits to total assets78.9698%5,816
Equity capital to assets6.8298%7,669
Core capital (leverage) ratio6.7903%7,547
Tier 1 risk-based capital ratio10.2141%6,769
Total risk-based capital ratio11.2619%6,920
Memoranda:
Average total assets$197,818,0003,223
Average earning assets$186,785,2503,153
Average equity$13,480,7504,417
Average total loans$128,217,0003,335
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6818%3,649
Cost of funding earning assets1.5287%6,021
Net interest margin4.1531%2,150
Noninterest income to average assets0.4297%5,035
Noninterest expense to average assets2.4647%6,242
Loan and lease loss provision to assets0.6182%2,577
Net operating income to assets1.2602%1,329
Return on assets (ROA)1.2602%1,404
Pretax return on assets1.2602%2,128
Return on Equity (ROE)18.5069%446
Retained earnings to average equity (ytd only)-7.7327%6,639
Net charge-offs to loans0.2836%3,774
Credit loss provision to net charge-offs333.3333%1,387
Earnings coverage of net charge-offs (x)10.1278%2,031
Efficiency ratio56.7497%7,021
Assets per employee ($millions)4.3122%3,096
Cash dividends to net income (ytd only)*141.7825%390
Condition Ratios (%)
Loss allowance to loans1.0700%5,784
Loan loss allowance to noncurrent loans110.5093%2,657
Noncurrent assets plus other real estate owned to assets0.6870%5,693
Noncurrent loans to loans0.9682%5,284
Net loans and leases to total assets61.0628%5,508
Net loans and leases to deposits76.5799%5,086
Net loans and leases to core deposits123.9708%2,029
Total domestic deposits to total assets79.7374%5,552
Equity capital to assets6.0859%7,912
Core capital (leverage) ratio6.7162%7,695
Tier 1 risk-based capital ratio9.6379%7,285
Total risk-based capital ratio10.6527%7,440
Memoranda:
Average total assets$194,097,3303,290
Average earning assets$182,900,3303,230
Average equity$13,216,6704,488
Average total loans$126,917,6703,403
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8010%3,299
Cost of funding earning assets1.6135%5,973
Net interest margin4.1875%1,944
Noninterest income to average assets0.4306%4,956
Noninterest expense to average assets2.4897%5,877
Loan and lease loss provision to assets0.6395%1,974
Net operating income to assets1.2235%1,585
Return on assets (ROA)1.2235%1,690
Pretax return on assets1.2235%2,540
Return on Equity (ROE)16.9741%688
Retained earnings to average equity (ytd only)-34.3030%7,907
Net charge-offs to loans0.0095%5,520
Credit loss provision to net charge-offs10,000.0000%59
Earnings coverage of net charge-offs (x)291.3333%140
Efficiency ratio57.1988%6,804
Assets per employee ($millions)4.2037%3,260
Cash dividends to net income (ytd only)*302.0906%153
Condition Ratios (%)
Loss allowance to loans0.9772%6,336
Loan loss allowance to noncurrent loans155.5000%2,090
Noncurrent assets plus other real estate owned to assets0.5094%5,941
Noncurrent loans to loans0.6284%5,830
Net loans and leases to total assets65.1901%4,770
Net loans and leases to deposits84.6197%3,877
Net loans and leases to core deposits124.4415%2,046
Total domestic deposits to total assets77.0388%6,268
Equity capital to assets6.7223%7,797
Core capital (leverage) ratio6.7111%7,794
Tier 1 risk-based capital ratio9.3610%7,541
Total risk-based capital ratio10.3052%7,778
Memoranda:
Average total assets$187,652,5003,386
Average earning assets$175,762,0003,344
Average equity$13,526,5004,436
Average total loans$126,497,0003,437
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5264%2,833
Cost of funding earning assets2.0033%6,407
Net interest margin4.5231%1,367
Noninterest income to average assets0.4649%4,919
Noninterest expense to average assets2.5521%5,820
Loan and lease loss provision to assets0.3774%3,424
Net operating income to assets1.7425%619
Return on assets (ROA)1.7869%544
Pretax return on assets1.7869%971
Return on Equity (ROE)23.6136%188
Retained earnings to average equity (ytd only)13.7787%129
Net charge-offs to loans0.1745%4,452
Credit loss provision to net charge-offs320.4188%1,410
Earnings coverage of net charge-offs (x)18.0000%1,730
Efficiency ratio54.6258%7,196
Assets per employee ($millions)3.7903%3,978
Cash dividends to net income (ytd only)*41.6494%3,581
Condition Ratios (%)
Loss allowance to loans0.7526%7,275
Loan loss allowance to noncurrent loans108.9862%3,193
Noncurrent assets plus other real estate owned to assets0.5788%5,444
Noncurrent loans to loans0.6906%5,313
Net loans and leases to total assets68.5662%4,350
Net loans and leases to deposits89.2816%3,581
Net loans and leases to core deposits130.6104%1,812
Total domestic deposits to total assets76.7978%6,035
Equity capital to assets7.7247%7,176
Core capital (leverage) ratio7.7254%6,891
Tier 1 risk-based capital ratio9.9023%6,846
Total risk-based capital ratio10.5972%7,395
Memoranda:
Average total assets$162,179,0003,682
Average earning assets$150,848,8003,637
Average equity$12,272,6004,759
Average total loans$109,431,4003,690