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Generations Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1211%1,123
Cost of funding earning assets0.5088%893
Net interest margin3.6124%1,435
Noninterest income to average assets0.6404%1,989
Noninterest expense to average assets3.2422%686
Loan and lease loss provision to assets0.1427%838
Net operating income to assets0.3666%4,319
Return on assets (ROA)0.3704%4,347
Pretax return on assets0.4449%4,337
Return on Equity (ROE)3.5751%4,280
Retained earnings to average equity (ytd only)3.5751%3,394
Net charge-offs to loans0.1817%533
Credit loss provision to net charge-offs103.8462%1,763
Earnings coverage of net charge-offs (x)4.2442%2,503
Efficiency ratio84.7514%534
Assets per employee ($millions)4.4504%4,152
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.6576%4,485
Loan loss allowance to noncurrent loans56.4032%3,840
Noncurrent assets plus other real estate owned to assets0.8700%673
Noncurrent loans to loans1.1659%825
Net loans and leases to total assets73.5209%707
Net loans and leases to deposits87.9081%656
Net loans and leases to core deposits101.7975%459
Total domestic deposits to total assets83.6339%3,649
Equity capital to assets11.0522%1,757
Core capital (leverage) ratio10.9635%1,585
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4619%1,692
Memoranda:
Average total assets$378,539,0002,067
Average earning assets$333,743,8002,171
Average equity$39,215,6002,106
Average total loans$286,165,8001,761
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1200%1,257
Cost of funding earning assets0.5306%910
Net interest margin3.5894%1,623
Noninterest income to average assets0.6357%2,069
Noninterest expense to average assets3.2480%653
Loan and lease loss provision to assets0.1426%794
Net operating income to assets0.3379%4,458
Return on assets (ROA)0.3423%4,481
Pretax return on assets0.4141%4,479
Return on Equity (ROE)3.3603%4,410
Retained earnings to average equity (ytd only)3.3603%3,782
Net charge-offs to loans0.0718%931
Credit loss provision to net charge-offs261.2903%1,071
Earnings coverage of net charge-offs (x)10.1032%2,048
Efficiency ratio85.4759%453
Assets per employee ($millions)4.1510%4,366
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.7154%4,480
Loan loss allowance to noncurrent loans56.5692%3,882
Noncurrent assets plus other real estate owned to assets0.9840%679
Noncurrent loans to loans1.2646%870
Net loans and leases to total assets76.0892%547
Net loans and leases to deposits91.3192%523
Net loans and leases to core deposits98.8982%631
Total domestic deposits to total assets83.3223%3,627
Equity capital to assets10.8197%2,151
Core capital (leverage) ratio10.7842%1,826
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9797%1,977
Memoranda:
Average total assets$378,602,0002,089
Average earning assets$333,716,2502,189
Average equity$38,567,2502,158
Average total loans$287,717,0001,781
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0330%1,487
Cost of funding earning assets0.5522%928
Net interest margin3.4808%1,913
Noninterest income to average assets0.6398%2,044
Noninterest expense to average assets3.0859%860
Loan and lease loss provision to assets0.1425%848
Net operating income to assets0.3971%4,387
Return on assets (ROA)0.3980%4,424
Pretax return on assets0.4835%4,408
Return on Equity (ROE)3.9895%4,334
Retained earnings to average equity (ytd only)3.9895%3,521
Net charge-offs to loans0.0801%871
Credit loss provision to net charge-offs234.7826%986
Earnings coverage of net charge-offs (x)10.2957%1,805
Efficiency ratio83.1579%602
Assets per employee ($millions)4.0054%4,442
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.6829%4,562
Loan loss allowance to noncurrent loans50.0380%3,954
Noncurrent assets plus other real estate owned to assets1.0452%714
Noncurrent loans to loans1.3648%855
Net loans and leases to total assets75.5210%631
Net loans and leases to deposits91.2065%584
Net loans and leases to core deposits98.7628%694
Total domestic deposits to total assets82.8022%3,750
Equity capital to assets10.7528%2,182
Core capital (leverage) ratio10.6208%1,859
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8553%2,022
Memoranda:
Average total assets$378,890,0002,081
Average earning assets$334,295,3332,170
Average equity$37,799,6672,185
Average total loans$287,126,3331,798
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0212%1,566
Cost of funding earning assets0.5765%980
Net interest margin3.4447%1,980
Noninterest income to average assets0.6041%2,187
Noninterest expense to average assets3.0459%919
Loan and lease loss provision to assets0.1428%931
Net operating income to assets0.3665%4,417
Return on assets (ROA)0.3682%4,449
Pretax return on assets0.4518%4,415
Return on Equity (ROE)3.8409%4,317
Retained earnings to average equity (ytd only)3.8409%3,549
Net charge-offs to loans0.1049%661
Credit loss provision to net charge-offs180.0000%921
Earnings coverage of net charge-offs (x)7.4667%1,614
Efficiency ratio83.7162%610
Assets per employee ($millions)4.0240%4,467
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.6617%4,622
Loan loss allowance to noncurrent loans44.3841%4,056
Noncurrent assets plus other real estate owned to assets1.1204%695
Noncurrent loans to loans1.4910%839
Net loans and leases to total assets73.8635%828
Net loans and leases to deposits89.7737%710
Net loans and leases to core deposits96.8672%851
Total domestic deposits to total assets82.2775%3,838
Equity capital to assets10.5461%2,221
Core capital (leverage) ratio10.6306%1,978
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9458%1,584
Memoranda:
Average total assets$378,078,0002,071
Average earning assets$333,037,5002,161
Average equity$36,241,5002,247
Average total loans$286,017,5001,803
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2690%1,956
Cost of funding earning assets0.9009%856
Net interest margin3.3681%2,873
Noninterest income to average assets0.7601%1,663
Noninterest expense to average assets3.3061%899
Loan and lease loss provision to assets0.1324%2,704
Net operating income to assets0.2486%4,500
Return on assets (ROA)0.4864%4,139
Pretax return on assets0.5330%4,210
Return on Equity (ROE)5.7389%3,666
Retained earnings to average equity (ytd only)5.7389%1,938
Net charge-offs to loans0.1126%1,351
Credit loss provision to net charge-offs152.8662%2,411
Earnings coverage of net charge-offs (x)4.6656%2,955
Efficiency ratio89.0988%406
Assets per employee ($millions)3.9758%4,394
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.6345%4,679
Loan loss allowance to noncurrent loans34.3362%4,231
Noncurrent assets plus other real estate owned to assets1.4363%526
Noncurrent loans to loans1.8479%662
Net loans and leases to total assets76.5158%734
Net loans and leases to deposits91.6245%806
Net loans and leases to core deposits98.6750%976
Total domestic deposits to total assets83.5102%3,261
Equity capital to assets8.5760%4,392
Core capital (leverage) ratio8.7225%3,986
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8797%2,680
Memoranda:
Average total assets$362,454,2001,993
Average earning assets$317,475,2002,088
Average equity$30,720,4002,449
Average total loans$278,854,0001,779
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3048%2,085
Cost of funding earning assets0.9583%884
Net interest margin3.3465%3,048
Noninterest income to average assets0.8082%1,463
Noninterest expense to average assets3.2751%944
Loan and lease loss provision to assets0.1223%2,800
Net operating income to assets0.4056%4,256
Return on assets (ROA)0.5372%4,028
Pretax return on assets0.4723%4,336
Return on Equity (ROE)6.3577%3,421
Retained earnings to average equity (ytd only)6.3577%1,941
Net charge-offs to loans-0.0607%4,721
Credit loss provision to net charge-offs-261.9048%3,684
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.6029%433
Assets per employee ($millions)3.7250%4,542
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7217%4,533
Loan loss allowance to noncurrent loans53.5561%3,981
Noncurrent assets plus other real estate owned to assets1.0714%1,000
Noncurrent loans to loans1.3476%1,092
Net loans and leases to total assets78.9294%720
Net loans and leases to deposits95.5243%795
Net loans and leases to core deposits103.8004%936
Total domestic deposits to total assets82.6276%3,244
Equity capital to assets8.6999%4,331
Core capital (leverage) ratio8.5403%4,245
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9590%2,628
Memoranda:
Average total assets$359,635,7501,980
Average earning assets$314,867,0002,081
Average equity$30,387,7502,452
Average total loans$276,620,7501,778
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3297%2,396
Cost of funding earning assets0.9977%992
Net interest margin3.3320%3,301
Noninterest income to average assets0.8828%1,210
Noninterest expense to average assets3.3159%966
Loan and lease loss provision to assets0.1010%3,008
Net operating income to assets0.3786%4,275
Return on assets (ROA)0.3074%4,452
Pretax return on assets0.3074%4,524
Return on Equity (ROE)3.7034%4,195
Retained earnings to average equity (ytd only)3.7034%3,063
Net charge-offs to loans-0.1151%4,869
Credit loss provision to net charge-offs-115.3846%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3652%484
Assets per employee ($millions)3.6509%4,579
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6985%4,566
Loan loss allowance to noncurrent loans42.3959%4,192
Noncurrent assets plus other real estate owned to assets1.2710%832
Noncurrent loans to loans1.6475%889
Net loans and leases to total assets76.2028%1,102
Net loans and leases to deposits92.2987%1,124
Net loans and leases to core deposits103.6061%1,029
Total domestic deposits to total assets82.5610%3,217
Equity capital to assets8.1746%4,645
Core capital (leverage) ratio8.1318%4,680
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5816%2,778
Memoranda:
Average total assets$356,589,3331,976
Average earning assets$311,708,3332,065
Average equity$29,594,6672,492
Average total loans$271,098,3331,792
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3891%2,658
Cost of funding earning assets1.0699%1,142
Net interest margin3.3192%3,548
Noninterest income to average assets0.7755%1,382
Noninterest expense to average assets3.5367%883
Loan and lease loss provision to assets0.1032%2,390
Net operating income to assets0.0256%4,733
Return on assets (ROA)-0.1973%4,825
Pretax return on assets-0.2570%4,834
Return on Equity (ROE)-2.3585%4,849
Retained earnings to average equity (ytd only)-2.3585%4,290
Net charge-offs to loans-0.0030%3,726
Credit loss provision to net charge-offs-4,500.0000%3,851
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.4945%310
Assets per employee ($millions)3.3295%4,620
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.6588%4,675
Loan loss allowance to noncurrent loans27.7084%4,430
Noncurrent assets plus other real estate owned to assets1.8158%494
Noncurrent loans to loans2.3778%518
Net loans and leases to total assets75.5626%1,375
Net loans and leases to deposits93.1549%1,163
Net loans and leases to core deposits106.2277%1,048
Total domestic deposits to total assets81.1149%3,637
Equity capital to assets8.3756%4,873
Core capital (leverage) ratio8.5093%4,789
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0859%2,657
Memoranda:
Average total assets$348,686,0001,964
Average earning assets$303,571,0002,058
Average equity$29,171,0002,504
Average total loans$263,761,5001,791
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6547%2,458
Cost of funding earning assets1.1198%1,258
Net interest margin3.5349%3,330
Noninterest income to average assets0.8468%1,312
Noninterest expense to average assets3.9051%595
Loan and lease loss provision to assets0.1110%1,878
Net operating income to assets-0.1338%5,010
Return on assets (ROA)0.0305%4,975
Pretax return on assets0.0305%4,971
Return on Equity (ROE)0.3451%4,969
Retained earnings to average equity (ytd only)0.3451%4,596
Net charge-offs to loans0.0987%1,739
Credit loss provision to net charge-offs145.1613%1,768
Earnings coverage of net charge-offs (x)-0.2984%3,641
Efficiency ratio100.5799%153
Assets per employee ($millions)3.3440%4,611
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.6345%4,679
Loan loss allowance to noncurrent loans26.9000%4,475
Noncurrent assets plus other real estate owned to assets1.7917%489
Noncurrent loans to loans2.3589%493
Net loans and leases to total assets74.7456%1,627
Net loans and leases to deposits90.8197%1,502
Net loans and leases to core deposits104.1572%1,220
Total domestic deposits to total assets82.3011%3,421
Equity capital to assets8.3563%4,967
Core capital (leverage) ratio8.1401%4,996
Tier 1 risk-based capital ratio12.2104%4,238
Total risk-based capital ratio12.9173%4,432
Memoranda:
Average total assets$324,270,6002,014
Average earning assets$278,451,2002,157
Average equity$28,684,2002,462
Average total loans$251,261,6001,823
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6572%2,536
Cost of funding earning assets1.0981%1,366
Net interest margin3.5591%3,376
Noninterest income to average assets0.8652%1,226
Noninterest expense to average assets3.9321%569
Loan and lease loss provision to assets0.1131%1,725
Net operating income to assets-0.1332%5,090
Return on assets (ROA)0.0917%5,036
Pretax return on assets0.0917%5,042
Return on Equity (ROE)1.0213%5,011
Retained earnings to average equity (ytd only)1.0213%4,560
Net charge-offs to loans0.0525%2,081
Credit loss provision to net charge-offs275.5102%1,007
Earnings coverage of net charge-offs (x)-0.4898%3,388
Efficiency ratio100.5031%147
Assets per employee ($millions)3.2323%4,726
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.6793%4,688
Loan loss allowance to noncurrent loans34.4338%4,437
Noncurrent assets plus other real estate owned to assets1.5556%693
Noncurrent loans to loans1.9727%685
Net loans and leases to total assets77.8510%1,170
Net loans and leases to deposits97.5742%863
Net loans and leases to core deposits111.4039%878
Total domestic deposits to total assets79.7865%4,030
Equity capital to assets8.9782%4,790
Core capital (leverage) ratio9.0337%4,612
Tier 1 risk-based capital ratio12.6148%4,075
Total risk-based capital ratio13.3696%4,249
Memoranda:
Average total assets$318,395,0002,057
Average earning assets$272,575,2502,208
Average equity$28,590,0002,485
Average total loans$248,675,7501,846
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6846%2,412
Cost of funding earning assets1.0954%1,317
Net interest margin3.5892%3,293
Noninterest income to average assets0.8750%1,137
Noninterest expense to average assets3.9813%551
Loan and lease loss provision to assets0.1136%1,656
Net operating income to assets-0.1477%5,139
Return on assets (ROA)0.0019%5,108
Pretax return on assets0.0019%5,108
Return on Equity (ROE)0.0211%5,108
Retained earnings to average equity (ytd only)0.0211%4,678
Net charge-offs to loans0.0575%1,825
Credit loss provision to net charge-offs253.5211%1,004
Earnings coverage of net charge-offs (x)-0.7606%3,117
Efficiency ratio100.8637%152
Assets per employee ($millions)3.0598%4,873
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.6706%4,754
Loan loss allowance to noncurrent loans35.1730%4,469
Noncurrent assets plus other real estate owned to assets1.5043%746
Noncurrent loans to loans1.9065%773
Net loans and leases to total assets77.8808%1,242
Net loans and leases to deposits94.0731%1,253
Net loans and leases to core deposits107.1887%1,161
Total domestic deposits to total assets82.7876%3,275
Equity capital to assets9.0717%4,754
Core capital (leverage) ratio9.0987%4,552
Tier 1 risk-based capital ratio12.7829%3,957
Total risk-based capital ratio13.5258%4,124
Memoranda:
Average total assets$316,783,6702,072
Average earning assets$271,144,0002,221
Average equity$28,446,6702,486
Average total loans$247,115,0001,861
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7106%2,189
Cost of funding earning assets1.0642%1,315
Net interest margin3.6465%3,084
Noninterest income to average assets0.8816%1,079
Noninterest expense to average assets3.9824%555
Loan and lease loss provision to assets0.1134%1,568
Net operating income to assets-0.0982%5,178
Return on assets (ROA)0.1662%5,044
Pretax return on assets0.1662%5,060
Return on Equity (ROE)1.8608%4,983
Retained earnings to average equity (ytd only)1.8608%4,105
Net charge-offs to loans-0.0388%4,754
Credit loss provision to net charge-offs-375.0000%3,755
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio99.6219%181
Assets per employee ($millions)2.8795%5,035
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.6694%4,830
Loan loss allowance to noncurrent loans63.3626%4,007
Noncurrent assets plus other real estate owned to assets0.8439%1,683
Noncurrent loans to loans1.0565%1,576
Net loans and leases to total assets77.8558%1,182
Net loans and leases to deposits94.3979%1,126
Net loans and leases to core deposits108.2859%1,039
Total domestic deposits to total assets82.4762%3,588
Equity capital to assets9.0277%4,659
Core capital (leverage) ratio8.8801%4,734
Tier 1 risk-based capital ratio12.7883%3,985
Total risk-based capital ratio13.5312%4,165
Memoranda:
Average total assets$317,597,5002,076
Average earning assets$271,387,0002,230
Average equity$28,375,0002,493
Average total loans$247,121,0001,876
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5791%2,195
Cost of funding earning assets1.0003%745
Net interest margin3.5788%3,454
Noninterest income to average assets0.8728%1,256
Noninterest expense to average assets3.9564%569
Loan and lease loss provision to assets0.0579%3,003
Net operating income to assets-0.0864%5,258
Return on assets (ROA)-0.0794%5,253
Pretax return on assets-0.0794%5,248
Return on Equity (ROE)-0.8801%5,257
Retained earnings to average equity (ytd only)-0.8801%5,079
Net charge-offs to loans0.4841%373
Credit loss provision to net charge-offs15.7658%3,414
Earnings coverage of net charge-offs (x)-0.0775%3,717
Efficiency ratio100.7162%135
Assets per employee ($millions)2.6742%5,148
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.6293%4,926
Loan loss allowance to noncurrent loans35.8085%4,553
Noncurrent assets plus other real estate owned to assets1.3742%903
Noncurrent loans to loans1.7575%810
Net loans and leases to total assets76.8089%1,468
Net loans and leases to deposits92.7828%1,427
Net loans and leases to core deposits107.4206%1,166
Total domestic deposits to total assets82.7836%3,399
Equity capital to assets8.8173%4,721
Core capital (leverage) ratio9.1869%4,470
Tier 1 risk-based capital ratio12.6866%4,019
Total risk-based capital ratio13.3492%4,253
Memoranda:
Average total assets$302,146,2002,142
Average earning assets$257,935,4002,280
Average equity$27,270,2002,499
Average total loans$229,299,2001,951
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5041%2,291
Cost of funding earning assets0.9667%695
Net interest margin3.5374%3,567
Noninterest income to average assets0.8658%1,297
Noninterest expense to average assets3.8810%608
Loan and lease loss provision to assets0.0514%2,958
Net operating income to assets-0.0505%5,320
Return on assets (ROA)-0.0479%5,316
Pretax return on assets-0.0479%5,312
Return on Equity (ROE)-0.5269%5,319
Retained earnings to average equity (ytd only)-0.5269%5,097
Net charge-offs to loans0.4827%330
Credit loss provision to net charge-offs14.1104%3,043
Earnings coverage of net charge-offs (x)0.0025%3,419
Efficiency ratio99.9654%154
Assets per employee ($millions)3.2600%4,824
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.7329%4,805
Loan loss allowance to noncurrent loans69.8121%4,000
Noncurrent assets plus other real estate owned to assets0.7755%1,921
Noncurrent loans to loans1.0498%1,620
Net loans and leases to total assets71.9202%2,340
Net loans and leases to deposits90.1917%1,868
Net loans and leases to core deposits106.0488%1,307
Total domestic deposits to total assets79.7415%4,165
Equity capital to assets8.7606%4,748
Core capital (leverage) ratio9.8162%3,834
Tier 1 risk-based capital ratio12.6791%4,090
Total risk-based capital ratio13.4542%4,272
Memoranda:
Average total assets$298,126,2502,177
Average earning assets$254,190,5002,323
Average equity$27,073,0002,518
Average total loans$225,130,5001,991
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7350%1,418
Cost of funding earning assets0.9689%541
Net interest margin3.7660%2,691
Noninterest income to average assets0.9181%1,133
Noninterest expense to average assets4.0220%511
Loan and lease loss provision to assets0.0245%3,426
Net operating income to assets0.0945%5,295
Return on assets (ROA)0.0987%5,286
Pretax return on assets0.0987%5,291
Return on Equity (ROE)1.0726%5,265
Retained earnings to average equity (ytd only)1.0726%4,738
Net charge-offs to loans0.5578%263
Credit loss provision to net charge-offs5.7283%2,747
Earnings coverage of net charge-offs (x)0.2782%3,132
Efficiency ratio97.1250%203
Assets per employee ($millions)2.7262%5,251
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8803%4,418
Loan loss allowance to noncurrent loans101.9241%3,443
Noncurrent assets plus other real estate owned to assets0.6841%2,196
Noncurrent loans to loans0.8637%1,997
Net loans and leases to total assets76.4669%1,565
Net loans and leases to deposits99.2301%860
Net loans and leases to core deposits119.4310%576
Total domestic deposits to total assets77.0602%4,727
Equity capital to assets9.3604%4,227
Core capital (leverage) ratio9.7048%3,878
Tier 1 risk-based capital ratio12.8848%3,956
Total risk-based capital ratio13.7870%4,058
Memoranda:
Average total assets$285,576,6702,253
Average earning assets$244,395,0002,401
Average equity$26,292,0002,572
Average total loans$219,083,0002,042
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7521%1,185
Cost of funding earning assets0.9430%485
Net interest margin3.8092%2,390
Noninterest income to average assets0.9737%970
Noninterest expense to average assets3.9671%553
Loan and lease loss provision to assets0.0486%2,808
Net operating income to assets0.2181%5,220
Return on assets (ROA)0.2264%5,214
Pretax return on assets0.2264%5,241
Return on Equity (ROE)2.4795%5,111
Retained earnings to average equity (ytd only)2.4795%4,175
Net charge-offs to loans0.7862%183
Credit loss provision to net charge-offs8.0831%2,176
Earnings coverage of net charge-offs (x)0.4434%2,639
Efficiency ratio93.7008%308
Assets per employee ($millions)2.8423%5,260
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9539%4,200
Loan loss allowance to noncurrent loans111.0224%3,263
Noncurrent assets plus other real estate owned to assets0.7198%2,162
Noncurrent loans to loans0.8592%2,104
Net loans and leases to total assets76.1670%1,509
Net loans and leases to deposits95.5996%1,076
Net loans and leases to core deposits121.3474%546
Total domestic deposits to total assets79.6729%4,463
Equity capital to assets9.2358%4,331
Core capital (leverage) ratio9.5530%4,011
Tier 1 risk-based capital ratio12.7722%4,076
Total risk-based capital ratio13.7502%4,144
Memoranda:
Average total assets$287,965,0002,259
Average earning assets$246,457,0002,407
Average equity$26,296,0002,593
Average total loans$220,311,5002,037
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7609%1,055
Cost of funding earning assets0.9564%277
Net interest margin3.8046%2,414
Noninterest income to average assets0.8464%1,420
Noninterest expense to average assets3.5993%896
Loan and lease loss provision to assets0.1465%1,556
Net operating income to assets0.3328%4,867
Return on assets (ROA)0.3353%4,885
Pretax return on assets0.3353%5,176
Return on Equity (ROE)3.7280%4,595
Retained earnings to average equity (ytd only)3.7280%2,993
Net charge-offs to loans0.5051%466
Credit loss provision to net charge-offs38.6029%3,451
Earnings coverage of net charge-offs (x)1.2629%3,909
Efficiency ratio88.2388%521
Assets per employee ($millions)2.8598%5,287
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.1182%3,251
Loan loss allowance to noncurrent loans59.5444%4,290
Noncurrent assets plus other real estate owned to assets1.4769%934
Noncurrent loans to loans1.8780%840
Net loans and leases to total assets75.2710%1,711
Net loans and leases to deposits96.2624%1,068
Net loans and leases to core deposits121.5700%533
Total domestic deposits to total assets78.1935%4,687
Equity capital to assets9.0302%4,688
Core capital (leverage) ratio9.2786%4,316
Tier 1 risk-based capital ratio12.4216%4,250
Total risk-based capital ratio13.5696%4,226
Memoranda:
Average total assets$286,638,4002,248
Average earning assets$243,524,2002,394
Average equity$25,778,0002,621
Average total loans$215,388,0002,031
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7343%1,063
Cost of funding earning assets0.9562%244
Net interest margin3.7781%2,476
Noninterest income to average assets0.8256%1,494
Noninterest expense to average assets3.5560%911
Loan and lease loss provision to assets0.1472%1,422
Net operating income to assets0.2683%5,273
Return on assets (ROA)0.2710%5,284
Pretax return on assets0.3303%5,280
Return on Equity (ROE)3.0164%5,107
Retained earnings to average equity (ytd only)3.0164%4,113
Net charge-offs to loans0.5371%376
Credit loss provision to net charge-offs36.5854%3,027
Earnings coverage of net charge-offs (x)1.1789%3,593
Efficiency ratio88.2217%498
Assets per employee ($millions)3.0629%5,213
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.1831%3,028
Loan loss allowance to noncurrent loans69.9705%4,131
Noncurrent assets plus other real estate owned to assets1.3117%1,221
Noncurrent loans to loans1.6909%1,069
Net loans and leases to total assets73.2300%2,055
Net loans and leases to deposits94.1434%1,290
Net loans and leases to core deposits115.6506%758
Total domestic deposits to total assets77.7856%4,763
Equity capital to assets8.8100%5,073
Core capital (leverage) ratio9.0706%4,664
Tier 1 risk-based capital ratio12.2233%4,482
Total risk-based capital ratio13.4248%4,410
Memoranda:
Average total assets$285,373,5002,271
Average earning assets$242,057,5002,426
Average equity$25,637,2502,655
Average total loans$213,723,2502,057
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7624%943
Cost of funding earning assets0.9515%222
Net interest margin3.8109%2,250
Noninterest income to average assets0.8299%1,470
Noninterest expense to average assets3.6118%858
Loan and lease loss provision to assets0.1492%1,360
Net operating income to assets0.2481%5,329
Return on assets (ROA)0.2487%5,341
Pretax return on assets0.2999%5,337
Return on Equity (ROE)2.7496%5,184
Retained earnings to average equity (ytd only)2.7496%4,062
Net charge-offs to loans0.5672%343
Credit loss provision to net charge-offs35.0000%2,685
Earnings coverage of net charge-offs (x)1.0517%3,323
Efficiency ratio88.9569%505
Assets per employee ($millions)2.9445%5,320
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.2795%2,514
Loan loss allowance to noncurrent loans83.3132%3,883
Noncurrent assets plus other real estate owned to assets1.1848%1,438
Noncurrent loans to loans1.5358%1,217
Net loans and leases to total assets74.5843%1,766
Net loans and leases to deposits102.6567%566
Net loans and leases to core deposits112.7547%862
Total domestic deposits to total assets72.6541%5,414
Equity capital to assets9.0534%4,852
Core capital (leverage) ratio9.2421%4,444
Tier 1 risk-based capital ratio12.3859%4,362
Total risk-based capital ratio13.6364%4,250
Memoranda:
Average total assets$281,463,0002,301
Average earning assets$238,577,0002,463
Average equity$25,458,0002,672
Average total loans$211,572,6702,075
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7352%872
Cost of funding earning assets0.9609%200
Net interest margin3.7743%2,204
Noninterest income to average assets0.8447%1,415
Noninterest expense to average assets3.7010%780
Loan and lease loss provision to assets0.1503%1,229
Net operating income to assets0.1589%5,451
Return on assets (ROA)0.1589%5,461
Pretax return on assets0.1876%5,448
Return on Equity (ROE)1.7579%5,375
Retained earnings to average equity (ytd only)1.7579%4,410
Net charge-offs to loans0.7581%226
Credit loss provision to net charge-offs26.4484%2,135
Earnings coverage of net charge-offs (x)0.5945%2,807
Efficiency ratio91.6342%470
Assets per employee ($millions)2.9728%5,376
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3536%2,291
Loan loss allowance to noncurrent loans84.7111%3,910
Noncurrent assets plus other real estate owned to assets1.2071%1,456
Noncurrent loans to loans1.5978%1,214
Net loans and leases to total assets73.0099%1,913
Net loans and leases to deposits101.2700%534
Net loans and leases to core deposits109.8764%885
Total domestic deposits to total assets72.0943%5,538
Equity capital to assets8.9015%4,908
Core capital (leverage) ratio9.3157%4,323
Tier 1 risk-based capital ratio12.4225%4,431
Total risk-based capital ratio13.6736%4,331
Memoranda:
Average total assets$279,387,0002,332
Average earning assets$236,441,0002,495
Average equity$25,258,0002,695
Average total loans$209,466,5002,104
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6350%1,199
Cost of funding earning assets0.9791%194
Net interest margin3.6559%2,870
Noninterest income to average assets0.8110%1,714
Noninterest expense to average assets3.7902%782
Loan and lease loss provision to assets0.8318%138
Net operating income to assets-0.5234%5,789
Return on assets (ROA)-0.4876%5,792
Pretax return on assets-0.6378%5,797
Return on Equity (ROE)-5.4377%5,796
Retained earnings to average equity (ytd only)-5.4377%5,692
Net charge-offs to loans0.6809%321
Credit loss provision to net charge-offs168.1191%1,643
Earnings coverage of net charge-offs (x)0.2970%4,116
Efficiency ratio96.2672%299
Assets per employee ($millions)2.7896%5,495
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.5165%1,611
Loan loss allowance to noncurrent loans75.4853%4,097
Noncurrent assets plus other real estate owned to assets1.5901%1,011
Noncurrent loans to loans2.0090%895
Net loans and leases to total assets74.8255%1,719
Net loans and leases to deposits100.9420%606
Net loans and leases to core deposits109.5309%929
Total domestic deposits to total assets74.1272%5,432
Equity capital to assets9.0755%4,737
Core capital (leverage) ratio9.3298%4,319
Tier 1 risk-based capital ratio12.2066%4,572
Total risk-based capital ratio13.4595%4,448
Memoranda:
Average total assets$278,300,2002,297
Average earning assets$237,972,2002,453
Average equity$24,955,2002,728
Average total loans$202,243,6002,104
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5958%1,298
Cost of funding earning assets0.9771%189
Net interest margin3.6187%3,010
Noninterest income to average assets0.8085%1,726
Noninterest expense to average assets3.7128%834
Loan and lease loss provision to assets0.2242%910
Net operating income to assets-0.0248%5,730
Return on assets (ROA)0.0510%5,709
Pretax return on assets0.0510%5,711
Return on Equity (ROE)0.5708%5,691
Retained earnings to average equity (ytd only)0.5708%5,211
Net charge-offs to loans0.7089%264
Credit loss provision to net charge-offs44.0075%3,112
Earnings coverage of net charge-offs (x)0.3914%3,793
Efficiency ratio94.9037%352
Assets per employee ($millions)2.9566%5,422
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.8057%5,174
Loan loss allowance to noncurrent loans39.8765%4,974
Noncurrent assets plus other real estate owned to assets1.6404%1,056
Noncurrent loans to loans2.0206%965
Net loans and leases to total assets71.5395%2,256
Net loans and leases to deposits97.0953%944
Net loans and leases to core deposits105.1384%1,268
Total domestic deposits to total assets73.6797%5,463
Equity capital to assets9.1648%5,012
Core capital (leverage) ratio9.9105%3,679
Tier 1 risk-based capital ratio13.3231%3,968
Total risk-based capital ratio14.1042%4,158
Memoranda:
Average total assets$279,529,2502,293
Average earning assets$239,747,5002,441
Average equity$24,991,2502,736
Average total loans$200,876,7502,121
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6288%1,207
Cost of funding earning assets0.9749%193
Net interest margin3.6539%2,878
Noninterest income to average assets0.8084%1,677
Noninterest expense to average assets3.7034%878
Loan and lease loss provision to assets0.2285%895
Net operating income to assets0.0098%5,760
Return on assets (ROA)0.0736%5,735
Pretax return on assets0.0793%5,742
Return on Equity (ROE)0.8296%5,707
Retained earnings to average equity (ytd only)0.8296%5,049
Net charge-offs to loans0.8238%240
Credit loss provision to net charge-offs38.6473%2,782
Earnings coverage of net charge-offs (x)0.4046%3,522
Efficiency ratio93.9323%421
Assets per employee ($millions)3.0753%5,349
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.8568%5,109
Loan loss allowance to noncurrent loans49.6361%4,820
Noncurrent assets plus other real estate owned to assets1.4247%1,368
Noncurrent loans to loans1.7262%1,224
Net loans and leases to total assets70.4979%2,403
Net loans and leases to deposits96.6199%1,015
Net loans and leases to core deposits104.3757%1,283
Total domestic deposits to total assets72.9642%5,604
Equity capital to assets9.0504%5,203
Core capital (leverage) ratio9.8344%3,771
Tier 1 risk-based capital ratio13.1716%4,093
Total risk-based capital ratio13.9892%4,259
Memoranda:
Average total assets$280,065,0002,301
Average earning assets$240,233,6702,450
Average equity$24,831,3302,760
Average total loans$201,022,6702,120
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7679%910
Cost of funding earning assets0.9636%205
Net interest margin3.8043%2,270
Noninterest income to average assets0.7909%1,657
Noninterest expense to average assets3.7634%825
Loan and lease loss provision to assets0.2142%903
Net operating income to assets0.0732%5,718
Return on assets (ROA)0.0814%5,751
Pretax return on assets0.0857%5,752
Return on Equity (ROE)0.9275%5,703
Retained earnings to average equity (ytd only)0.9275%4,864
Net charge-offs to loans0.9424%202
Credit loss provision to net charge-offs31.5126%2,211
Earnings coverage of net charge-offs (x)0.4286%2,930
Efficiency ratio92.8169%507
Assets per employee ($millions)2.9426%5,558
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9439%4,880
Loan loss allowance to noncurrent loans60.3261%4,571
Noncurrent assets plus other real estate owned to assets1.2438%1,752
Noncurrent loans to loans1.5646%1,486
Net loans and leases to total assets70.8395%2,216
Net loans and leases to deposits98.4617%722
Net loans and leases to core deposits105.8208%1,087
Total domestic deposits to total assets71.9462%5,772
Equity capital to assets8.8532%5,295
Core capital (leverage) ratio9.6950%3,918
Tier 1 risk-based capital ratio12.8937%4,327
Total risk-based capital ratio13.7942%4,461
Memoranda:
Average total assets$280,170,0002,314
Average earning assets$240,359,5002,463
Average equity$24,583,0002,782
Average total loans$202,035,5002,121
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9436%700
Cost of funding earning assets1.0072%173
Net interest margin3.9363%1,909
Noninterest income to average assets0.8091%1,753
Noninterest expense to average assets3.5244%1,251
Loan and lease loss provision to assets0.3385%457
Net operating income to assets0.2317%5,512
Return on assets (ROA)0.4240%5,055
Pretax return on assets0.5950%4,853
Return on Equity (ROE)4.6531%4,680
Retained earnings to average equity (ytd only)-0.4301%5,578
Net charge-offs to loans0.6136%394
Credit loss provision to net charge-offs76.3666%3,017
Earnings coverage of net charge-offs (x)1.4952%4,073
Efficiency ratio84.1729%1,166
Assets per employee ($millions)2.9557%5,564
Cash dividends to net income (ytd only)*109.2437%310
Condition Ratios (%)
Loss allowance to loans1.0840%4,122
Loan loss allowance to noncurrent loans59.5533%4,650
Noncurrent assets plus other real estate owned to assets1.5043%1,344
Noncurrent loans to loans1.8202%1,196
Net loans and leases to total assets71.9183%2,069
Net loans and leases to deposits99.5475%707
Net loans and leases to core deposits105.9196%1,102
Total domestic deposits to total assets72.2452%5,788
Equity capital to assets8.6958%5,389
Core capital (leverage) ratio9.3993%4,323
Tier 1 risk-based capital ratio12.4340%4,678
Total risk-based capital ratio13.4663%4,718
Memoranda:
Average total assets$280,675,8002,266
Average earning assets$240,858,6002,417
Average equity$25,574,4002,647
Average total loans$202,738,0002,051
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8704%818
Cost of funding earning assets1.0134%168
Net interest margin3.8570%2,165
Noninterest income to average assets0.8124%1,763
Noninterest expense to average assets3.5104%1,266
Loan and lease loss provision to assets0.1188%1,916
Net operating income to assets0.3522%5,307
Return on assets (ROA)0.5829%4,558
Pretax return on assets0.8171%4,285
Return on Equity (ROE)6.3253%3,995
Retained earnings to average equity (ytd only)-0.3763%5,672
Net charge-offs to loans0.4842%504
Credit loss provision to net charge-offs34.0136%3,233
Earnings coverage of net charge-offs (x)1.7496%3,786
Efficiency ratio85.1758%1,069
Assets per employee ($millions)3.1039%5,424
Cash dividends to net income (ytd only)*105.9494%307
Condition Ratios (%)
Loss allowance to loans0.9961%4,770
Loan loss allowance to noncurrent loans46.9142%5,038
Noncurrent assets plus other real estate owned to assets1.6935%1,277
Noncurrent loans to loans2.1231%1,060
Net loans and leases to total assets70.3799%2,338
Net loans and leases to deposits98.1717%803
Net loans and leases to core deposits105.2571%1,152
Total domestic deposits to total assets71.6907%5,884
Equity capital to assets8.8065%5,483
Core capital (leverage) ratio9.3189%4,561
Tier 1 risk-based capital ratio9.2486%6,174
Total risk-based capital ratio9.9636%6,202
Memoranda:
Average total assets$280,647,0002,278
Average earning assets$240,766,5002,431
Average equity$25,863,7502,651
Average total loans$202,384,2502,067
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9245%692
Cost of funding earning assets1.0215%162
Net interest margin3.9030%1,966
Noninterest income to average assets0.8494%1,604
Noninterest expense to average assets3.5440%1,230
Loan and lease loss provision to assets0.1075%2,036
Net operating income to assets0.3886%5,167
Return on assets (ROA)0.7312%3,843
Pretax return on assets1.0272%3,468
Return on Equity (ROE)7.8154%3,153
Retained earnings to average equity (ytd only)-2.1454%5,842
Net charge-offs to loans0.4669%543
Credit loss provision to net charge-offs31.7797%2,909
Earnings coverage of net charge-offs (x)1.9280%3,431
Efficiency ratio84.4551%1,212
Assets per employee ($millions)2.9359%5,670
Cash dividends to net income (ytd only)*127.4510%273
Condition Ratios (%)
Loss allowance to loans1.0983%4,335
Loan loss allowance to noncurrent loans57.9883%4,795
Noncurrent assets plus other real estate owned to assets1.4808%1,669
Noncurrent loans to loans1.8940%1,315
Net loans and leases to total assets70.5448%2,237
Net loans and leases to deposits96.2509%943
Net loans and leases to core deposits103.1583%1,253
Total domestic deposits to total assets73.2927%5,844
Equity capital to assets9.0749%5,167
Core capital (leverage) ratio9.5383%4,231
Tier 1 risk-based capital ratio9.8158%6,141
Total risk-based capital ratio10.6216%6,200
Memoranda:
Average total assets$279,008,3302,311
Average earning assets$239,252,0002,464
Average equity$26,102,3302,649
Average total loans$202,178,6702,068
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9643%606
Cost of funding earning assets1.0239%159
Net interest margin3.9404%1,742
Noninterest income to average assets0.9288%1,306
Noninterest expense to average assets3.6380%1,082
Loan and lease loss provision to assets0.1075%1,912
Net operating income to assets0.4106%5,032
Return on assets (ROA)1.1052%1,959
Pretax return on assets1.5294%1,463
Return on Equity (ROE)11.6386%1,442
Retained earnings to average equity (ytd only)11.6386%622
Net charge-offs to loans0.2728%879
Credit loss provision to net charge-offs53.9568%2,065
Earnings coverage of net charge-offs (x)3.3741%2,613
Efficiency ratio84.4031%1,325
Assets per employee ($millions)2.9443%5,740
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2158%3,873
Loan loss allowance to noncurrent loans69.1089%4,470
Noncurrent assets plus other real estate owned to assets1.3668%1,943
Noncurrent loans to loans1.7593%1,549
Net loans and leases to total assets70.9618%1,984
Net loans and leases to deposits96.8598%779
Net loans and leases to core deposits103.7455%1,079
Total domestic deposits to total assets73.2624%5,956
Equity capital to assets9.6046%4,633
Core capital (leverage) ratio10.1883%3,357
Tier 1 risk-based capital ratio11.3156%5,652
Total risk-based capital ratio12.3047%5,704
Memoranda:
Average total assets$279,056,5002,320
Average earning assets$239,470,5002,475
Average equity$26,498,0002,628
Average total loans$203,796,5002,061
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0497%706
Cost of funding earning assets0.9661%268
Net interest margin4.0836%1,635
Noninterest income to average assets0.8560%1,658
Noninterest expense to average assets3.2834%1,968
Loan and lease loss provision to assets0.1306%2,009
Net operating income to assets0.7274%3,755
Return on assets (ROA)0.7315%3,835
Pretax return on assets0.9674%3,623
Return on Equity (ROE)7.6377%3,305
Retained earnings to average equity (ytd only)2.7126%4,317
Net charge-offs to loans0.0857%3,269
Credit loss provision to net charge-offs205.7143%1,201
Earnings coverage of net charge-offs (x)17.2057%1,949
Efficiency ratio75.0083%2,665
Assets per employee ($millions)2.8408%5,894
Cash dividends to net income (ytd only)*64.4841%1,540
Condition Ratios (%)
Loss allowance to loans1.2131%3,918
Loan loss allowance to noncurrent loans72.1024%4,453
Noncurrent assets plus other real estate owned to assets1.3211%2,130
Noncurrent loans to loans1.6825%1,738
Net loans and leases to total assets73.3310%1,703
Net loans and leases to deposits101.5055%538
Net loans and leases to core deposits108.8345%836
Total domestic deposits to total assets72.2434%6,066
Equity capital to assets9.3861%4,862
Core capital (leverage) ratio9.8384%3,789
Tier 1 risk-based capital ratio11.7545%5,512
Total risk-based capital ratio12.8317%5,530
Memoranda:
Average total assets$275,597,2002,316
Average earning assets$237,558,0002,444
Average equity$26,395,4002,537
Average total loans$204,102,4002,004
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0503%707
Cost of funding earning assets0.9535%302
Net interest margin4.0968%1,585
Noninterest income to average assets0.8493%1,700
Noninterest expense to average assets3.2094%2,144
Loan and lease loss provision to assets0.1382%1,807
Net operating income to assets0.7764%3,528
Return on assets (ROA)0.7819%3,614
Pretax return on assets1.0433%3,413
Return on Equity (ROE)8.1223%3,143
Retained earnings to average equity (ytd only)1.5721%5,260
Net charge-offs to loans0.0478%3,541
Credit loss provision to net charge-offs390.4110%721
Earnings coverage of net charge-offs (x)33.1647%1,285
Efficiency ratio73.1799%2,961
Assets per employee ($millions)2.8630%5,898
Cash dividends to net income (ytd only)*80.6451%724
Condition Ratios (%)
Loss allowance to loans1.2287%4,078
Loan loss allowance to noncurrent loans80.2407%4,183
Noncurrent assets plus other real estate owned to assets1.2049%2,540
Noncurrent loans to loans1.5313%2,116
Net loans and leases to total assets73.3492%1,619
Net loans and leases to deposits100.5454%585
Net loans and leases to core deposits107.4216%877
Total domestic deposits to total assets72.9513%6,098
Equity capital to assets9.6018%4,667
Core capital (leverage) ratio9.7130%4,057
Tier 1 risk-based capital ratio11.6201%5,726
Total risk-based capital ratio12.7137%5,740
Memoranda:
Average total assets$274,896,0002,335
Average earning assets$237,156,0002,469
Average equity$26,461,5002,533
Average total loans$203,462,5002,026
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0205%726
Cost of funding earning assets0.9512%314
Net interest margin4.0693%1,608
Noninterest income to average assets0.8505%1,660
Noninterest expense to average assets3.1881%2,233
Loan and lease loss provision to assets0.1533%1,609
Net operating income to assets0.7479%3,578
Return on assets (ROA)0.7687%3,572
Pretax return on assets1.0513%3,276
Return on Equity (ROE)7.9792%3,107
Retained earnings to average equity (ytd only)7.9792%1,337
Net charge-offs to loans0.1827%1,931
Credit loss provision to net charge-offs113.5135%1,779
Earnings coverage of net charge-offs (x)8.7081%2,456
Efficiency ratio73.0177%3,159
Assets per employee ($millions)2.9759%5,786
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1640%4,595
Loan loss allowance to noncurrent loans83.9714%4,055
Noncurrent assets plus other real estate owned to assets1.0278%3,016
Noncurrent loans to loans1.3862%2,484
Net loans and leases to total assets72.7911%1,604
Net loans and leases to deposits96.8711%748
Net loans and leases to core deposits102.9513%1,085
Total domestic deposits to total assets75.1423%6,008
Equity capital to assets9.9426%4,186
Core capital (leverage) ratio10.1235%3,439
Tier 1 risk-based capital ratio12.2637%5,377
Total risk-based capital ratio13.3071%5,444
Memoranda:
Average total assets$273,959,0002,343
Average earning assets$236,550,3302,474
Average equity$26,393,6702,537
Average total loans$202,540,0002,031
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1994%484
Cost of funding earning assets0.9518%337
Net interest margin4.2476%1,106
Noninterest income to average assets0.9020%1,389
Noninterest expense to average assets3.2213%2,152
Loan and lease loss provision to assets0.1970%1,188
Net operating income to assets0.8042%3,134
Return on assets (ROA)0.8042%3,213
Pretax return on assets1.1575%2,666
Return on Equity (ROE)8.4834%2,691
Retained earnings to average equity (ytd only)8.4834%1,423
Net charge-offs to loans0.0591%2,570
Credit loss provision to net charge-offs450.0000%595
Earnings coverage of net charge-offs (x)30.9333%1,030
Efficiency ratio70.3668%3,767
Assets per employee ($millions)3.1209%5,651
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2004%4,633
Loan loss allowance to noncurrent loans81.7661%4,126
Noncurrent assets plus other real estate owned to assets1.1291%2,993
Noncurrent loans to loans1.4681%2,588
Net loans and leases to total assets72.7013%1,465
Net loans and leases to deposits96.9733%599
Net loans and leases to core deposits102.7950%938
Total domestic deposits to total assets74.9704%6,159
Equity capital to assets9.6417%4,306
Core capital (leverage) ratio9.8739%3,752
Tier 1 risk-based capital ratio12.0060%5,642
Total risk-based capital ratio13.0773%5,681
Memoranda:
Average total assets$274,047,5002,347
Average earning assets$237,027,5002,476
Average equity$25,980,0002,552
Average total loans$202,992,0002,026
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0649%810
Cost of funding earning assets0.9633%544
Net interest margin4.1016%1,632
Noninterest income to average assets0.8903%1,714
Noninterest expense to average assets3.2329%2,327
Loan and lease loss provision to assets0.2236%1,629
Net operating income to assets0.6943%3,817
Return on assets (ROA)0.6943%3,913
Pretax return on assets1.0532%3,143
Return on Equity (ROE)7.4380%3,335
Retained earnings to average equity (ytd only)-0.9462%6,052
Net charge-offs to loans0.0720%4,198
Credit loss provision to net charge-offs416.6667%551
Earnings coverage of net charge-offs (x)23.7917%1,397
Efficiency ratio71.6552%3,544
Assets per employee ($millions)3.0725%5,723
Cash dividends to net income (ytd only)*112.7214%273
Condition Ratios (%)
Loss allowance to loans1.1388%4,957
Loan loss allowance to noncurrent loans62.3188%4,779
Noncurrent assets plus other real estate owned to assets1.4660%2,543
Noncurrent loans to loans1.8274%2,200
Net loans and leases to total assets73.7120%1,399
Net loans and leases to deposits99.6840%494
Net loans and leases to core deposits104.2352%890
Total domestic deposits to total assets73.9457%6,288
Equity capital to assets9.3178%4,671
Core capital (leverage) ratio9.7101%3,970
Tier 1 risk-based capital ratio11.7911%5,751
Total risk-based capital ratio12.8194%5,810
Memoranda:
Average total assets$268,334,6002,362
Average earning assets$236,786,0002,450
Average equity$25,047,0002,624
Average total loans$200,100,0001,998
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0510%848
Cost of funding earning assets0.9853%531
Net interest margin4.0657%1,740
Noninterest income to average assets0.8712%1,854
Noninterest expense to average assets3.1973%2,374
Loan and lease loss provision to assets0.2247%1,613
Net operating income to assets0.6925%3,899
Return on assets (ROA)0.6925%4,034
Pretax return on assets1.0504%3,298
Return on Equity (ROE)7.4153%3,426
Retained earnings to average equity (ytd only)1.5344%5,367
Net charge-offs to loans0.0716%3,909
Credit loss provision to net charge-offs420.5607%634
Earnings coverage of net charge-offs (x)23.8697%1,451
Efficiency ratio71.4557%3,521
Assets per employee ($millions)3.2305%5,429
Cash dividends to net income (ytd only)*79.3077%805
Condition Ratios (%)
Loss allowance to loans1.0896%5,367
Loan loss allowance to noncurrent loans66.0981%4,575
Noncurrent assets plus other real estate owned to assets1.2923%3,066
Noncurrent loans to loans1.6484%2,709
Net loans and leases to total assets74.7878%1,161
Net loans and leases to deposits100.7364%445
Net loans and leases to core deposits104.9137%827
Total domestic deposits to total assets74.2410%6,355
Equity capital to assets9.2462%4,871
Core capital (leverage) ratio10.0357%3,631
Tier 1 risk-based capital ratio12.3355%5,551
Total risk-based capital ratio13.3416%5,659
Memoranda:
Average total assets$267,054,2502,387
Average earning assets$236,543,2502,468
Average equity$24,938,7502,655
Average total loans$199,152,0002,007
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0611%830
Cost of funding earning assets0.9921%563
Net interest margin4.0690%1,635
Noninterest income to average assets0.9112%1,783
Noninterest expense to average assets3.1774%2,414
Loan and lease loss provision to assets0.2250%1,681
Net operating income to assets0.7327%3,655
Return on assets (ROA)0.7327%3,816
Pretax return on assets1.1166%3,029
Return on Equity (ROE)7.8199%3,179
Retained earnings to average equity (ytd only)-0.9845%6,050
Net charge-offs to loans0.0778%3,602
Credit loss provision to net charge-offs389.6104%673
Earnings coverage of net charge-offs (x)23.2338%1,337
Efficiency ratio70.2788%3,776
Assets per employee ($millions)2.8979%6,027
Cash dividends to net income (ytd only)*112.5896%408
Condition Ratios (%)
Loss allowance to loans1.0505%5,625
Loan loss allowance to noncurrent loans61.0105%4,751
Noncurrent assets plus other real estate owned to assets1.3162%3,143
Noncurrent loans to loans1.7219%2,732
Net loans and leases to total assets73.8030%1,283
Net loans and leases to deposits97.5185%571
Net loans and leases to core deposits101.4138%982
Total domestic deposits to total assets75.6811%6,283
Equity capital to assets9.1175%5,082
Core capital (leverage) ratio9.9331%3,611
Tier 1 risk-based capital ratio12.4492%5,536
Total risk-based capital ratio13.4247%5,641
Memoranda:
Average total assets$266,695,0002,400
Average earning assets$236,469,0002,480
Average equity$24,987,6702,665
Average total loans$197,956,3302,024
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1150%723
Cost of funding earning assets0.9923%639
Net interest margin4.1227%1,396
Noninterest income to average assets0.8968%1,767
Noninterest expense to average assets3.2076%2,328
Loan and lease loss provision to assets0.2249%1,634
Net operating income to assets0.7468%3,452
Return on assets (ROA)0.7468%3,587
Pretax return on assets1.1277%2,854
Return on Equity (ROE)7.8650%3,043
Retained earnings to average equity (ytd only)7.8650%1,797
Net charge-offs to loans0.0932%2,916
Credit loss provision to net charge-offs326.0870%744
Earnings coverage of net charge-offs (x)19.6087%1,214
Efficiency ratio70.3058%3,920
Assets per employee ($millions)3.1564%5,721
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9878%6,027
Loan loss allowance to noncurrent loans61.8330%4,642
Noncurrent assets plus other real estate owned to assets1.2043%3,560
Noncurrent loans to loans1.5975%3,143
Net loans and leases to total assets73.6033%1,133
Net loans and leases to deposits97.7613%459
Net loans and leases to core deposits101.8821%834
Total domestic deposits to total assets75.2888%6,430
Equity capital to assets9.5359%4,801
Core capital (leverage) ratio10.1202%3,250
Tier 1 risk-based capital ratio12.9477%5,264
Total risk-based capital ratio13.8835%5,441
Memoranda:
Average total assets$266,739,0002,424
Average earning assets$237,027,5002,500
Average equity$25,327,5002,676
Average total loans$197,508,0002,045
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9455%1,702
Cost of funding earning assets1.1315%798
Net interest margin3.8140%3,167
Noninterest income to average assets1.0165%1,491
Noninterest expense to average assets3.2318%2,511
Loan and lease loss provision to assets0.2334%2,800
Net operating income to assets0.6889%3,788
Return on assets (ROA)0.6889%4,050
Pretax return on assets0.9566%3,718
Return on Equity (ROE)7.4160%3,402
Retained earnings to average equity (ytd only)7.4160%1,369
Net charge-offs to loans0.0105%5,786
Credit loss provision to net charge-offs3,000.0000%80
Earnings coverage of net charge-offs (x)152.9500%274
Efficiency ratio73.0536%3,232
Assets per employee ($millions)3.1198%5,806
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9541%6,117
Loan loss allowance to noncurrent loans54.8662%4,888
Noncurrent assets plus other real estate owned to assets1.3655%3,354
Noncurrent loans to loans1.7390%3,005
Net loans and leases to total assets73.0462%1,328
Net loans and leases to deposits97.3725%541
Net loans and leases to core deposits101.6493%909
Total domestic deposits to total assets75.0173%6,445
Equity capital to assets9.4541%4,931
Core capital (leverage) ratio10.0463%3,341
Tier 1 risk-based capital ratio13.0651%5,060
Total risk-based capital ratio13.9743%5,249
Memoranda:
Average total assets$257,069,4002,467
Average earning assets$229,521,4002,517
Average equity$23,880,8002,756
Average total loans$191,181,0002,085
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9635%1,793
Cost of funding earning assets1.1684%802
Net interest margin3.7952%3,354
Noninterest income to average assets1.0142%1,465
Noninterest expense to average assets3.2172%2,507
Loan and lease loss provision to assets0.2353%2,692
Net operating income to assets0.7016%3,909
Return on assets (ROA)0.7016%4,153
Pretax return on assets0.9546%3,897
Return on Equity (ROE)7.5871%3,488
Retained earnings to average equity (ytd only)7.5871%1,804
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9656%3,148
Assets per employee ($millions)3.2841%5,472
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9085%6,360
Loan loss allowance to noncurrent loans53.6133%4,953
Noncurrent assets plus other real estate owned to assets1.3162%3,658
Noncurrent loans to loans1.6945%3,250
Net loans and leases to total assets72.0730%1,542
Net loans and leases to deposits97.0504%596
Net loans and leases to core deposits101.4003%1,029
Total domestic deposits to total assets74.2635%6,581
Equity capital to assets9.3998%5,335
Core capital (leverage) ratio9.9772%3,576
Tier 1 risk-based capital ratio13.5888%4,830
Total risk-based capital ratio14.4856%5,036
Memoranda:
Average total assets$255,040,0002,505
Average earning assets$228,004,0002,551
Average equity$23,583,2502,815
Average total loans$190,082,5002,116
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9563%1,911
Cost of funding earning assets1.2002%823
Net interest margin3.7561%3,561
Noninterest income to average assets1.0147%1,422
Noninterest expense to average assets3.2233%2,515
Loan and lease loss provision to assets0.2376%2,697
Net operating income to assets0.6084%4,335
Return on assets (ROA)0.6084%4,586
Pretax return on assets0.9181%4,014
Return on Equity (ROE)6.6172%3,983
Retained earnings to average equity (ytd only)6.6172%2,322
Net charge-offs to loans-0.0527%6,675
Credit loss provision to net charge-offs-600.0000%6,317
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.5709%3,146
Assets per employee ($millions)3.2322%5,588
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.8602%6,549
Loan loss allowance to noncurrent loans41.6179%5,573
Noncurrent assets plus other real estate owned to assets1.5612%3,365
Noncurrent loans to loans2.0670%2,866
Net loans and leases to total assets72.9157%1,405
Net loans and leases to deposits95.4958%659
Net loans and leases to core deposits99.7455%1,114
Total domestic deposits to total assets76.3549%6,412
Equity capital to assets9.1879%5,475
Core capital (leverage) ratio9.8981%3,577
Tier 1 risk-based capital ratio13.5784%4,765
Total risk-based capital ratio14.4396%5,022
Memoranda:
Average total assets$252,477,3302,522
Average earning assets$226,138,3302,575
Average equity$23,212,3302,833
Average total loans$189,746,0002,119
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9948%1,905
Cost of funding earning assets1.2126%930
Net interest margin3.7822%3,475
Noninterest income to average assets1.0231%1,365
Noninterest expense to average assets3.3389%2,174
Loan and lease loss provision to assets0.2406%2,543
Net operating income to assets0.5533%4,571
Return on assets (ROA)0.5533%4,786
Pretax return on assets0.8451%4,246
Return on Equity (ROE)6.0158%4,283
Retained earnings to average equity (ytd only)6.0158%2,948
Net charge-offs to loans-0.0380%6,439
Credit loss provision to net charge-offs-833.3333%5,892
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4259%2,862
Assets per employee ($millions)3.2325%5,698
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.7674%6,795
Loan loss allowance to noncurrent loans153.3193%2,137
Noncurrent assets plus other real estate owned to assets0.4339%5,780
Noncurrent loans to loans0.5005%5,672
Net loans and leases to total assets73.6781%1,114
Net loans and leases to deposits96.2828%517
Net loans and leases to core deposits100.3766%967
Total domestic deposits to total assets76.5226%6,489
Equity capital to assets9.0575%5,410
Core capital (leverage) ratio9.9442%3,435
Tier 1 risk-based capital ratio13.7875%4,623
Total risk-based capital ratio14.5785%4,945
Memoranda:
Average total assets$249,427,0002,563
Average earning assets$224,314,5002,609
Average equity$22,939,5002,859
Average total loans$189,529,0002,133
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2759%1,788
Cost of funding earning assets1.3889%1,088
Net interest margin3.8870%3,392
Noninterest income to average assets0.9303%1,569
Noninterest expense to average assets3.2368%2,740
Loan and lease loss provision to assets0.2525%3,681
Net operating income to assets0.5881%4,065
Return on assets (ROA)0.5881%4,244
Pretax return on assets0.9084%3,584
Return on Equity (ROE)7.0961%3,358
Retained earnings to average equity (ytd only)7.0961%1,455
Net charge-offs to loans0.1485%4,956
Credit loss provision to net charge-offs218.9964%1,110
Earnings coverage of net charge-offs (x)10.0681%1,887
Efficiency ratio73.5551%3,300
Assets per employee ($millions)3.0821%5,927
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.6788%6,935
Loan loss allowance to noncurrent loans116.8029%2,665
Noncurrent assets plus other real estate owned to assets0.5117%5,687
Noncurrent loans to loans0.5811%5,546
Net loans and leases to total assets77.2803%796
Net loans and leases to deposits98.8044%512
Net loans and leases to core deposits102.2308%1,007
Total domestic deposits to total assets78.2155%6,153
Equity capital to assets9.3431%5,099
Core capital (leverage) ratio10.1753%3,126
Tier 1 risk-based capital ratio14.9434%3,673
Total risk-based capital ratio15.7596%3,943
Memoranda:
Average total assets$241,964,4002,613
Average earning assets$215,848,8002,662
Average equity$20,053,2003,136
Average total loans$187,827,4002,154
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3102%1,818
Cost of funding earning assets1.4236%1,134
Net interest margin3.8866%3,450
Noninterest income to average assets0.8858%1,700
Noninterest expense to average assets3.2419%2,687
Loan and lease loss provision to assets0.2296%3,718
Net operating income to assets0.5607%4,269
Return on assets (ROA)0.5607%4,440
Pretax return on assets0.8709%3,877
Return on Equity (ROE)6.9901%3,532
Retained earnings to average equity (ytd only)6.9901%1,976
Net charge-offs to loans0.1373%4,685
Credit loss provision to net charge-offs215.5440%1,333
Earnings coverage of net charge-offs (x)10.3315%1,939
Efficiency ratio74.6187%3,062
Assets per employee ($millions)3.3935%5,262
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.6108%7,067
Loan loss allowance to noncurrent loans107.5938%2,784
Noncurrent assets plus other real estate owned to assets0.4658%5,922
Noncurrent loans to loans0.5677%5,735
Net loans and leases to total assets78.3234%682
Net loans and leases to deposits100.1801%467
Net loans and leases to core deposits103.3321%1,015
Total domestic deposits to total assets78.1826%6,157
Equity capital to assets9.6835%4,799
Core capital (leverage) ratio10.0260%3,402
Tier 1 risk-based capital ratio14.6310%3,882
Total risk-based capital ratio15.3694%4,237
Memoranda:
Average total assets$241,584,2502,628
Average earning assets$214,853,0002,685
Average equity$19,379,2503,232
Average total loans$187,421,2502,174
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2631%2,016
Cost of funding earning assets1.4600%1,163
Net interest margin3.8031%3,767
Noninterest income to average assets0.8776%1,727
Noninterest expense to average assets3.1861%2,952
Loan and lease loss provision to assets0.1537%4,390
Net operating income to assets0.5817%4,145
Return on assets (ROA)0.5817%4,275
Pretax return on assets0.9058%3,591
Return on Equity (ROE)7.7984%3,043
Retained earnings to average equity (ytd only)7.7984%1,531
Net charge-offs to loans0.0420%5,270
Credit loss provision to net charge-offs474.3590%648
Earnings coverage of net charge-offs (x)32.6923%866
Efficiency ratio75.0049%3,174
Assets per employee ($millions)3.2040%5,633
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.5921%7,144
Loan loss allowance to noncurrent loans24.9660%6,524
Noncurrent assets plus other real estate owned to assets1.8356%3,460
Noncurrent loans to loans2.3714%3,016
Net loans and leases to total assets76.8588%936
Net loans and leases to deposits95.0967%796
Net loans and leases to core deposits97.7243%1,523
Total domestic deposits to total assets80.8217%5,589
Equity capital to assets7.8185%6,796
Core capital (leverage) ratio8.1906%6,044
Tier 1 risk-based capital ratio12.1581%5,656
Total risk-based capital ratio12.8815%6,060
Memoranda:
Average total assets$240,668,0002,652
Average earning assets$213,144,0002,724
Average equity$17,952,3303,424
Average total loans$185,713,0002,214
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3476%1,726
Cost of funding earning assets1.5114%1,118
Net interest margin3.8362%3,437
Noninterest income to average assets0.8254%1,942
Noninterest expense to average assets3.1638%3,015
Loan and lease loss provision to assets0.1495%4,150
Net operating income to assets0.5630%4,223
Return on assets (ROA)0.5630%4,300
Pretax return on assets0.8802%3,577
Return on Equity (ROE)7.7333%3,035
Retained earnings to average equity (ytd only)7.7333%1,834
Net charge-offs to loans0.0022%5,097
Credit loss provision to net charge-offs9,000.0000%27
Earnings coverage of net charge-offs (x)620.0000%37
Efficiency ratio75.4059%3,262
Assets per employee ($millions)3.5675%4,831
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.5602%7,243
Loan loss allowance to noncurrent loans73.4320%3,777
Noncurrent assets plus other real estate owned to assets0.6480%5,663
Noncurrent loans to loans0.7629%5,502
Net loans and leases to total assets76.2430%1,001
Net loans and leases to deposits95.3623%729
Net loans and leases to core deposits97.9946%1,528
Total domestic deposits to total assets79.9509%5,960
Equity capital to assets7.3062%6,967
Core capital (leverage) ratio7.6878%6,569
Tier 1 risk-based capital ratio11.6181%6,009
Total risk-based capital ratio12.3048%6,450
Memoranda:
Average total assets$240,850,5002,658
Average earning assets$211,461,0002,761
Average equity$17,534,5003,481
Average total loans$185,672,5002,242
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4803%2,359
Cost of funding earning assets1.8615%965
Net interest margin3.6189%4,725
Noninterest income to average assets0.8503%2,055
Noninterest expense to average assets2.9933%3,872
Loan and lease loss provision to assets0.1284%5,885
Net operating income to assets0.6170%3,599
Return on assets (ROA)0.5010%4,255
Pretax return on assets0.7568%3,774
Return on Equity (ROE)6.9004%3,167
Retained earnings to average equity (ytd only)6.9004%1,364
Net charge-offs to loans0.0400%6,404
Credit loss provision to net charge-offs413.8889%580
Earnings coverage of net charge-offs (x)34.2083%660
Efficiency ratio73.7888%3,444
Assets per employee ($millions)3.6229%4,647
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.5147%7,346
Loan loss allowance to noncurrent loans84.4996%3,373
Noncurrent assets plus other real estate owned to assets0.5362%5,960
Noncurrent loans to loans0.6091%5,825
Net loans and leases to total assets77.1152%1,070
Net loans and leases to deposits96.0375%866
Net loans and leases to core deposits98.5843%1,743
Total domestic deposits to total assets80.2970%5,752
Equity capital to assets7.2540%7,016
Core capital (leverage) ratio7.6533%6,581
Tier 1 risk-based capital ratio11.4772%5,928
Total risk-based capital ratio12.1089%6,410
Memoranda:
Average total assets$232,153,4002,721
Average earning assets$205,534,6002,803
Average equity$16,854,0003,618
Average total loans$179,799,2002,356
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4750%2,539
Cost of funding earning assets1.9483%886
Net interest margin3.5267%5,195
Noninterest income to average assets0.8634%1,942
Noninterest expense to average assets3.0084%3,710
Loan and lease loss provision to assets0.1204%5,824
Net operating income to assets0.5353%4,162
Return on assets (ROA)0.5353%4,330
Pretax return on assets0.8622%3,693
Return on Equity (ROE)7.3712%3,168
Retained earnings to average equity (ytd only)7.3712%1,662
Net charge-offs to loans0.0037%6,628
Credit loss provision to net charge-offs4,160.0000%68
Earnings coverage of net charge-offs (x)339.4213%92
Efficiency ratio75.3371%3,068
Assets per employee ($millions)3.6784%4,550
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.4983%7,459
Loan loss allowance to noncurrent loans68.4327%3,889
Noncurrent assets plus other real estate owned to assets0.6324%5,866
Noncurrent loans to loans0.7281%5,746
Net loans and leases to total assets77.6739%1,095
Net loans and leases to deposits95.5491%1,041
Net loans and leases to core deposits98.4082%2,006
Total domestic deposits to total assets81.2921%5,267
Equity capital to assets7.2117%7,258
Core capital (leverage) ratio7.5562%6,810
Tier 1 risk-based capital ratio11.1941%6,197
Total risk-based capital ratio11.8025%6,721
Memoranda:
Average total assets$230,414,0002,778
Average earning assets$204,342,7502,866
Average equity$16,731,2503,693
Average total loans$178,412,7502,408
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4529%2,735
Cost of funding earning assets2.0411%796
Net interest margin3.4118%5,594
Noninterest income to average assets0.8966%1,700
Noninterest expense to average assets2.9817%3,773
Loan and lease loss provision to assets0.1125%5,781
Net operating income to assets0.5213%4,233
Return on assets (ROA)0.5213%4,391
Pretax return on assets0.8307%3,775
Return on Equity (ROE)7.1615%3,228
Retained earnings to average equity (ytd only)7.1615%1,766
Net charge-offs to loans0.0068%6,266
Credit loss provision to net charge-offs2,133.3333%191
Earnings coverage of net charge-offs (x)178.8333%194
Efficiency ratio75.9239%3,090
Assets per employee ($millions)3.7512%4,346
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.4688%7,542
Loan loss allowance to noncurrent loans59.2334%4,390
Noncurrent assets plus other real estate owned to assets0.7092%5,717
Noncurrent loans to loans0.7914%5,693
Net loans and leases to total assets76.3666%1,424
Net loans and leases to deposits92.4030%1,468
Net loans and leases to core deposits95.6504%2,481
Total domestic deposits to total assets82.6452%4,720
Equity capital to assets7.1443%7,293
Core capital (leverage) ratio7.4978%6,826
Tier 1 risk-based capital ratio11.1994%6,040
Total risk-based capital ratio11.7672%6,661
Memoranda:
Average total assets$227,519,6702,844
Average earning assets$201,946,6702,918
Average equity$16,560,6703,712
Average total loans$175,668,3302,476
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5157%2,515
Cost of funding earning assets2.0871%849
Net interest margin3.4286%5,468
Noninterest income to average assets0.9663%1,402
Noninterest expense to average assets3.0657%3,405
Loan and lease loss provision to assets0.1040%5,585
Net operating income to assets0.5217%4,276
Return on assets (ROA)0.5217%4,419
Pretax return on assets0.8390%3,711
Return on Equity (ROE)7.0980%3,291
Retained earnings to average equity (ytd only)7.0980%2,090
Net charge-offs to loans0.0139%5,392
Credit loss provision to net charge-offs966.6667%479
Earnings coverage of net charge-offs (x)87.6667%369
Efficiency ratio76.4311%3,143
Assets per employee ($millions)3.7177%4,533
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.4449%7,650
Loan loss allowance to noncurrent loans135.1820%2,067
Noncurrent assets plus other real estate owned to assets0.3938%6,488
Noncurrent loans to loans0.3291%6,640
Net loans and leases to total assets76.9700%1,336
Net loans and leases to deposits92.8469%1,493
Net loans and leases to core deposits96.1237%2,574
Total domestic deposits to total assets82.8999%4,680
Equity capital to assets7.3013%7,214
Core capital (leverage) ratio7.6783%6,647
Tier 1 risk-based capital ratio11.4325%5,732
Total risk-based capital ratio11.9742%6,404
Memoranda:
Average total assets$223,116,0002,951
Average earning assets$197,979,0003,025
Average equity$16,399,0003,762
Average total loans$172,840,0002,572
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6460%3,367
Cost of funding earning assets2.3843%1,350
Net interest margin3.2617%5,885
Noninterest income to average assets1.0496%1,410
Noninterest expense to average assets3.4121%2,637
Loan and lease loss provision to assets0.0986%6,634
Net operating income to assets0.2757%4,621
Return on assets (ROA)0.2658%4,741
Pretax return on assets0.4242%4,420
Return on Equity (ROE)3.2823%4,387
Retained earnings to average equity (ytd only)3.2823%2,868
Net charge-offs to loans0.0136%7,027
Credit loss provision to net charge-offs909.5238%323
Earnings coverage of net charge-offs (x)49.6667%519
Efficiency ratio86.1659%2,094
Assets per employee ($millions)3.6575%4,629
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.4274%7,734
Loan loss allowance to noncurrent loans86.6667%3,208
Noncurrent assets plus other real estate owned to assets0.4388%6,361
Noncurrent loans to loans0.4931%6,268
Net loans and leases to total assets77.2923%1,525
Net loans and leases to deposits95.2359%1,428
Net loans and leases to core deposits114.4212%2,468
Total domestic deposits to total assets81.1588%5,288
Equity capital to assets7.4003%7,121
Core capital (leverage) ratio7.7978%6,455
Tier 1 risk-based capital ratio11.5338%5,362
Total risk-based capital ratio12.0533%6,083
Memoranda:
Average total assets$193,782,0003,247
Average earning assets$172,333,8003,317
Average equity$15,690,4003,926
Average total loans$153,923,4002,860
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6872%3,403
Cost of funding earning assets2.4049%1,620
Net interest margin3.2823%5,708
Noninterest income to average assets1.0952%1,327
Noninterest expense to average assets3.4926%2,304
Loan and lease loss provision to assets0.0975%6,390
Net operating income to assets0.2691%4,908
Return on assets (ROA)0.2555%5,054
Pretax return on assets0.4120%4,767
Return on Equity (ROE)3.0775%4,758
Retained earnings to average equity (ytd only)3.0775%3,602
Net charge-offs to loans0.0196%6,633
Credit loss provision to net charge-offs622.7273%606
Earnings coverage of net charge-offs (x)33.9120%849
Efficiency ratio86.5405%2,011
Assets per employee ($millions)3.3941%5,177
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.4154%7,811
Loan loss allowance to noncurrent loans183.6066%1,601
Noncurrent assets plus other real estate owned to assets0.2442%6,911
Noncurrent loans to loans0.2262%6,931
Net loans and leases to total assets80.4560%1,097
Net loans and leases to deposits98.5823%1,256
Net loans and leases to core deposits122.2366%2,048
Total domestic deposits to total assets81.6131%4,832
Equity capital to assets7.8891%6,955
Core capital (leverage) ratio8.4419%5,592
Tier 1 risk-based capital ratio12.1945%4,793
Total risk-based capital ratio12.7072%5,415
Memoranda:
Average total assets$187,365,0003,348
Average earning assets$167,154,0003,420
Average equity$15,553,0003,993
Average total loans$149,817,7502,956
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7077%3,492
Cost of funding earning assets2.3876%2,013
Net interest margin3.3201%5,473
Noninterest income to average assets1.1165%1,273
Noninterest expense to average assets3.5812%2,118
Loan and lease loss provision to assets0.0940%6,228
Net operating income to assets0.2387%5,134
Return on assets (ROA)0.2338%5,229
Pretax return on assets0.3977%4,940
Return on Equity (ROE)2.7664%4,990
Retained earnings to average equity (ytd only)2.7664%3,788
Net charge-offs to loans0.0329%5,998
Credit loss provision to net charge-offs358.3333%1,295
Earnings coverage of net charge-offs (x)19.0417%1,386
Efficiency ratio87.4431%2,082
Assets per employee ($millions)3.4721%4,888
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.4024%7,900
Loan loss allowance to noncurrent loans371.2575%849
Noncurrent assets plus other real estate owned to assets0.1519%7,183
Noncurrent loans to loans0.1084%7,250
Net loans and leases to total assets80.3519%1,248
Net loans and leases to deposits100.1606%1,276
Net loans and leases to core deposits122.4642%2,159
Total domestic deposits to total assets80.2231%5,385
Equity capital to assets8.1774%6,524
Core capital (leverage) ratio8.7727%4,976
Tier 1 risk-based capital ratio12.8368%4,258
Total risk-based capital ratio13.3380%4,763
Memoranda:
Average total assets$183,069,6703,438
Average earning assets$163,427,0003,495
Average equity$15,471,3304,023
Average total loans$145,828,3303,049
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7470%3,544
Cost of funding earning assets2.3877%2,343
Net interest margin3.3593%5,288
Noninterest income to average assets1.1769%1,060
Noninterest expense to average assets3.5841%1,898
Loan and lease loss provision to assets0.0916%5,785
Net operating income to assets0.2857%5,349
Return on assets (ROA)0.3015%5,468
Pretax return on assets0.5292%4,980
Return on Equity (ROE)3.5067%5,164
Retained earnings to average equity (ytd only)3.5067%3,942
Net charge-offs to loans0.0113%5,463
Credit loss provision to net charge-offs1,025.0000%599
Earnings coverage of net charge-offs (x)66.7500%600
Efficiency ratio85.4167%2,139
Assets per employee ($millions)3.1820%5,642
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.4134%7,930
Loan loss allowance to noncurrent loans156.1680%2,078
Noncurrent assets plus other real estate owned to assets0.2608%6,728
Noncurrent loans to loans0.2647%6,775
Net loans and leases to total assets79.0348%1,574
Net loans and leases to deposits101.9632%1,179
Net loans and leases to core deposits121.6702%2,281
Total domestic deposits to total assets77.5131%6,144
Equity capital to assets8.5493%5,997
Core capital (leverage) ratio9.1847%4,432
Tier 1 risk-based capital ratio13.4569%3,891
Total risk-based capital ratio13.9639%4,300
Memoranda:
Average total assets$179,122,0003,520
Average earning assets$160,153,5003,567
Average equity$15,399,0004,063
Average total loans$141,710,5003,140
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8874%6,100
Cost of funding earning assets2.6123%3,623
Net interest margin3.2751%6,120
Noninterest income to average assets1.0524%1,415
Noninterest expense to average assets3.7263%1,899
Loan and lease loss provision to assets0.0824%6,354
Net operating income to assets0.0648%6,196
Return on assets (ROA)0.0648%6,052
Pretax return on assets0.1767%5,779
Return on Equity (ROE)0.6355%6,023
Retained earnings to average equity (ytd only)0.6355%4,857
Net charge-offs to loans0.0260%6,469
Credit loss provision to net charge-offs422.5806%1,034
Earnings coverage of net charge-offs (x)13.2903%2,146
Efficiency ratio93.0431%1,323
Assets per employee ($millions)3.3372%5,126
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.4001%7,974
Loan loss allowance to noncurrent loans258.3333%1,543
Noncurrent assets plus other real estate owned to assets0.2098%6,733
Noncurrent loans to loans0.1549%6,944
Net loans and leases to total assets78.5432%1,994
Net loans and leases to deposits105.9641%1,127
Net loans and leases to core deposits125.4932%2,205
Total domestic deposits to total assets74.1225%6,639
Equity capital to assets8.6458%5,873
Core capital (leverage) ratio9.3134%4,280
Tier 1 risk-based capital ratio14.1344%3,479
Total risk-based capital ratio14.6392%3,782
Memoranda:
Average total assets$159,060,0003,733
Average earning assets$142,440,0003,800
Average equity$16,207,2003,883
Average total loans$119,282,4003,480