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Hiawatha National Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1535%988
Cost of funding earning assets3.0634%280
Net interest margin3.0901%3,226
Noninterest income to average assets0.1700%3,735
Noninterest expense to average assets1.7984%3,916
Loan and lease loss provision to assets0.2600%429
Net operating income to assets0.8224%2,788
Return on assets (ROA)0.8037%2,839
Pretax return on assets1.0175%2,704
Return on Equity (ROE)8.3300%2,781
Retained earnings to average equity (ytd only)8.3270%1,605
Net charge-offs to loans0.3267%374
Credit loss provision to net charge-offs112.8668%1,194
Earnings coverage of net charge-offs (x)5.6907%1,887
Efficiency ratio57.7678%3,201
Assets per employee ($millions)10.7936%624
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.9124%3,578
Loan loss allowance to noncurrent loans37.0939%3,619
Noncurrent assets plus other real estate owned to assets1.7530%303
Noncurrent loans to loans2.4597%317
Net loans and leases to total assets69.8900%1,849
Net loans and leases to deposits90.8296%1,030
Net loans and leases to core deposits153.9314%139
Total domestic deposits to total assets76.9400%3,910
Equity capital to assets9.7819%2,367
Core capital (leverage) ratio9.5908%3,185
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4121%1,715
Memoranda:
Average total assets$776,450,0001,271
Average earning assets$735,391,5001,244
Average equity$74,937,0001,294
Average total loans$542,391,5001,242
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4762%734
Cost of funding earning assets3.1842%349
Net interest margin3.2920%2,525
Noninterest income to average assets0.2800%3,178
Noninterest expense to average assets1.8590%3,863
Loan and lease loss provision to assets0.3400%350
Net operating income to assets0.9395%2,254
Return on assets (ROA)0.9938%2,069
Pretax return on assets1.2588%1,846
Return on Equity (ROE)10.7300%1,975
Retained earnings to average equity (ytd only)10.7322%476
Net charge-offs to loans0.4580%322
Credit loss provision to net charge-offs102.2920%1,862
Earnings coverage of net charge-offs (x)4.9181%2,621
Efficiency ratio54.5032%3,684
Assets per employee ($millions)11.9348%435
Cash dividends to net income (ytd only)*0.0000%3,369
Condition Ratios (%)
Loss allowance to loans0.8905%3,655
Loan loss allowance to noncurrent loans50.8512%3,489
Noncurrent assets plus other real estate owned to assets1.2296%512
Noncurrent loans to loans1.7512%494
Net loans and leases to total assets68.5600%2,069
Net loans and leases to deposits88.8330%1,315
Net loans and leases to core deposits149.2403%176
Total domestic deposits to total assets77.1800%3,860
Equity capital to assets9.5203%2,436
Core capital (leverage) ratio9.4896%3,238
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1885%1,799
Memoranda:
Average total assets$755,191,0001,278
Average earning assets$713,548,2001,254
Average equity$69,930,0001,320
Average total loans$514,383,8001,267
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4394%742
Cost of funding earning assets3.1876%362
Net interest margin3.2518%2,561
Noninterest income to average assets0.2600%3,292
Noninterest expense to average assets1.8514%3,845
Loan and lease loss provision to assets0.2000%591
Net operating income to assets1.0098%2,016
Return on assets (ROA)1.0817%1,823
Pretax return on assets1.3700%1,593
Return on Equity (ROE)11.7700%1,680
Retained earnings to average equity (ytd only)11.7669%540
Net charge-offs to loans0.3566%364
Credit loss provision to net charge-offs80.8229%1,838
Earnings coverage of net charge-offs (x)6.0948%2,325
Efficiency ratio55.3768%3,607
Assets per employee ($millions)11.6680%463
Cash dividends to net income (ytd only)*0.0000%3,021
Condition Ratios (%)
Loss allowance to loans0.8534%3,795
Loan loss allowance to noncurrent loans78.1513%3,248
Noncurrent assets plus other real estate owned to assets0.7600%931
Noncurrent loans to loans1.0920%911
Net loans and leases to total assets67.3500%2,164
Net loans and leases to deposits89.4134%1,303
Net loans and leases to core deposits148.2011%184
Total domestic deposits to total assets75.3200%3,976
Equity capital to assets9.4989%2,674
Core capital (leverage) ratio9.2476%3,521
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2045%1,829
Memoranda:
Average total assets$750,048,5001,279
Average earning assets$708,180,7501,257
Average equity$68,948,7501,326
Average total loans$508,815,2501,272
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3511%766
Cost of funding earning assets3.0976%399
Net interest margin3.2534%2,529
Noninterest income to average assets0.2100%3,620
Noninterest expense to average assets1.7596%3,998
Loan and lease loss provision to assets0.0700%1,571
Net operating income to assets1.1494%1,600
Return on assets (ROA)1.1496%1,597
Pretax return on assets1.4561%1,358
Return on Equity (ROE)12.6500%1,458
Retained earnings to average equity (ytd only)12.6517%477
Net charge-offs to loans0.3059%367
Credit loss provision to net charge-offs32.4254%1,902
Earnings coverage of net charge-offs (x)7.3424%2,109
Efficiency ratio53.3071%3,802
Assets per employee ($millions)11.2217%507
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans0.8205%3,888
Loan loss allowance to noncurrent loans87.6929%3,195
Noncurrent assets plus other real estate owned to assets0.6564%1,029
Noncurrent loans to loans0.9356%1,006
Net loans and leases to total assets67.5900%2,169
Net loans and leases to deposits89.9059%1,311
Net loans and leases to core deposits149.3362%183
Total domestic deposits to total assets75.1800%3,964
Equity capital to assets9.3058%2,529
Core capital (leverage) ratio9.2404%3,494
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8686%1,944
Memoranda:
Average total assets$743,368,0001,280
Average earning assets$702,149,3331,261
Average equity$67,548,3331,340
Average total loans$504,059,6671,278
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3569%686
Cost of funding earning assets3.0518%391
Net interest margin3.3051%2,329
Noninterest income to average assets0.2600%3,210
Noninterest expense to average assets1.7810%3,981
Loan and lease loss provision to assets0.0500%1,722
Net operating income to assets1.2227%1,388
Return on assets (ROA)1.2252%1,387
Pretax return on assets1.5510%1,176
Return on Equity (ROE)13.6500%1,206
Retained earnings to average equity (ytd only)13.6510%538
Net charge-offs to loans0.6169%156
Credit loss provision to net charge-offs12.9702%1,539
Earnings coverage of net charge-offs (x)3.8392%1,922
Efficiency ratio52.3596%3,874
Assets per employee ($millions)11.1983%525
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.8081%3,921
Loan loss allowance to noncurrent loans87.7869%3,264
Noncurrent assets plus other real estate owned to assets0.6155%1,044
Noncurrent loans to loans0.9205%945
Net loans and leases to total assets66.3200%2,203
Net loans and leases to deposits87.8771%1,369
Net loans and leases to core deposits142.0376%254
Total domestic deposits to total assets75.4700%4,024
Equity capital to assets9.0053%2,677
Core capital (leverage) ratio9.0243%3,688
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0090%1,874
Memoranda:
Average total assets$739,123,5001,284
Average earning assets$697,948,5001,267
Average equity$66,339,5001,345
Average total loans$499,890,5001,288
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7478%881
Cost of funding earning assets2.4753%385
Net interest margin3.2726%2,697
Noninterest income to average assets0.3100%3,052
Noninterest expense to average assets1.9403%3,755
Loan and lease loss provision to assets0.0800%1,564
Net operating income to assets1.0614%2,036
Return on assets (ROA)1.0384%2,077
Pretax return on assets1.3230%1,814
Return on Equity (ROE)11.4600%2,106
Retained earnings to average equity (ytd only)11.4617%708
Net charge-offs to loans0.0784%1,082
Credit loss provision to net charge-offs140.9214%1,518
Earnings coverage of net charge-offs (x)25.9377%1,718
Efficiency ratio57.2543%3,371
Assets per employee ($millions)10.8651%549
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.9486%3,544
Loan loss allowance to noncurrent loans95.2237%3,258
Noncurrent assets plus other real estate owned to assets0.6816%774
Noncurrent loans to loans0.9962%744
Net loans and leases to total assets67.7800%2,064
Net loans and leases to deposits90.1931%1,244
Net loans and leases to core deposits141.9661%256
Total domestic deposits to total assets75.1500%4,019
Equity capital to assets8.9447%2,710
Core capital (leverage) ratio9.1268%3,607
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6688%1,997
Memoranda:
Average total assets$669,395,8001,352
Average earning assets$626,845,2001,331
Average equity$60,645,2001,387
Average total loans$470,842,0001,296
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5769%929
Cost of funding earning assets2.3357%373
Net interest margin3.2413%2,819
Noninterest income to average assets0.2500%3,449
Noninterest expense to average assets1.9309%3,754
Loan and lease loss provision to assets0.0200%2,562
Net operating income to assets0.9755%2,433
Return on assets (ROA)0.9422%2,528
Pretax return on assets1.2807%2,096
Return on Equity (ROE)10.3600%2,542
Retained earnings to average equity (ytd only)10.3635%1,306
Net charge-offs to loans0.0017%2,524
Credit loss provision to net charge-offs2,000.0000%235
Earnings coverage of net charge-offs (x)1,102.6667%140
Efficiency ratio58.5663%3,139
Assets per employee ($millions)10.9633%505
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.9728%3,489
Loan loss allowance to noncurrent loans105.2549%3,166
Noncurrent assets plus other real estate owned to assets0.6947%821
Noncurrent loans to loans0.9242%889
Net loans and leases to total assets69.0800%1,939
Net loans and leases to deposits93.0552%963
Net loans and leases to core deposits143.2589%190
Total domestic deposits to total assets74.2400%4,142
Equity capital to assets8.8941%2,480
Core capital (leverage) ratio9.1441%3,641
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6139%2,706
Memoranda:
Average total assets$654,753,7501,369
Average earning assets$612,175,2501,354
Average equity$59,528,0001,393
Average total loans$464,024,0001,303
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3563%1,005
Cost of funding earning assets2.1270%395
Net interest margin3.2293%2,918
Noninterest income to average assets0.2800%3,229
Noninterest expense to average assets1.9518%3,709
Loan and lease loss provision to assets0.0400%2,074
Net operating income to assets0.9520%2,577
Return on assets (ROA)0.9002%2,741
Pretax return on assets1.2396%2,255
Return on Equity (ROE)9.8200%2,762
Retained earnings to average equity (ytd only)9.8244%1,458
Net charge-offs to loans0.0013%2,357
Credit loss provision to net charge-offs4,000.0000%133
Earnings coverage of net charge-offs (x)1,438.3333%99
Efficiency ratio58.9063%3,085
Assets per employee ($millions)10.2605%626
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.0005%3,416
Loan loss allowance to noncurrent loans106.4216%3,212
Noncurrent assets plus other real estate owned to assets0.6711%787
Noncurrent loans to loans0.9401%811
Net loans and leases to total assets70.6700%1,669
Net loans and leases to deposits98.0992%596
Net loans and leases to core deposits137.1178%243
Total domestic deposits to total assets72.0400%4,291
Equity capital to assets9.2661%2,337
Core capital (leverage) ratio9.4179%3,345
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9404%2,645
Memoranda:
Average total assets$642,776,6671,388
Average earning assets$600,940,3331,377
Average equity$58,894,0001,409
Average total loans$458,090,3331,309
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1747%986
Cost of funding earning assets1.9248%344
Net interest margin3.2499%2,993
Noninterest income to average assets0.2100%3,716
Noninterest expense to average assets2.0056%3,617
Loan and lease loss provision to assets0.0800%1,320
Net operating income to assets0.8580%2,996
Return on assets (ROA)0.7700%3,248
Pretax return on assets1.0607%2,828
Return on Equity (ROE)8.4500%3,187
Retained earnings to average equity (ytd only)8.4535%2,092
Net charge-offs to loans0.0009%2,029
Credit loss provision to net charge-offs12,000.0000%37
Earnings coverage of net charge-offs (x)1,983.0000%44
Efficiency ratio61.3034%2,776
Assets per employee ($millions)9.9528%711
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0213%3,427
Loan loss allowance to noncurrent loans112.4072%3,257
Noncurrent assets plus other real estate owned to assets0.6554%760
Noncurrent loans to loans0.9086%833
Net loans and leases to total assets71.4000%1,488
Net loans and leases to deposits97.6662%553
Net loans and leases to core deposits128.4727%294
Total domestic deposits to total assets73.1100%4,315
Equity capital to assets9.2333%2,334
Core capital (leverage) ratio9.3805%3,312
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8984%2,757
Memoranda:
Average total assets$635,830,0001,420
Average earning assets$595,593,5001,410
Average equity$57,917,0001,437
Average total loans$452,751,5001,333
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4086%867
Cost of funding earning assets0.9706%186
Net interest margin3.4379%2,137
Noninterest income to average assets0.4000%2,691
Noninterest expense to average assets2.0601%3,416
Loan and lease loss provision to assets0.1700%670
Net operating income to assets1.0112%2,524
Return on assets (ROA)1.0112%2,475
Pretax return on assets1.3719%1,859
Return on Equity (ROE)10.4800%2,649
Retained earnings to average equity (ytd only)10.4765%1,011
Net charge-offs to loans0.0038%2,321
Credit loss provision to net charge-offs6,900.0000%97
Earnings coverage of net charge-offs (x)614.4000%283
Efficiency ratio56.8020%3,491
Assets per employee ($millions)10.2368%624
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.9621%3,559
Loan loss allowance to noncurrent loans88.4742%3,401
Noncurrent assets plus other real estate owned to assets0.7760%608
Noncurrent loans to loans1.0875%660
Net loans and leases to total assets69.5900%1,672
Net loans and leases to deposits91.0854%974
Net loans and leases to core deposits117.4985%415
Total domestic deposits to total assets76.4100%4,230
Equity capital to assets8.9840%2,368
Core capital (leverage) ratio9.2342%3,415
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9516%2,749
Memoranda:
Average total assets$596,316,8001,494
Average earning assets$556,441,4001,490
Average equity$57,557,2001,447
Average total loans$394,836,6001,412
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1942%901
Cost of funding earning assets0.7681%178
Net interest margin3.4261%1,884
Noninterest income to average assets0.3900%2,797
Noninterest expense to average assets2.0554%3,336
Loan and lease loss provision to assets0.1900%485
Net operating income to assets0.9924%2,499
Return on assets (ROA)0.9924%2,474
Pretax return on assets1.3401%1,919
Return on Equity (ROE)10.0900%2,695
Retained earnings to average equity (ytd only)10.0925%1,317
Net charge-offs to loans0.0049%2,001
Credit loss provision to net charge-offs5,821.4286%96
Earnings coverage of net charge-offs (x)479.4286%322
Efficiency ratio57.0604%3,507
Assets per employee ($millions)9.5126%757
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.9634%3,642
Loan loss allowance to noncurrent loans99.8039%3,374
Noncurrent assets plus other real estate owned to assets0.6720%781
Noncurrent loans to loans0.9653%807
Net loans and leases to total assets67.7000%1,708
Net loans and leases to deposits86.6303%1,131
Net loans and leases to core deposits108.4129%521
Total domestic deposits to total assets78.1500%4,247
Equity capital to assets8.9668%2,235
Core capital (leverage) ratio9.0989%3,506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0929%2,791
Memoranda:
Average total assets$586,725,7501,526
Average earning assets$546,932,7501,518
Average equity$57,691,5001,459
Average total loans$382,046,7501,445
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9796%964
Cost of funding earning assets0.5941%284
Net interest margin3.3855%1,649
Noninterest income to average assets0.4800%2,308
Noninterest expense to average assets2.1153%3,109
Loan and lease loss provision to assets0.2517%282
Net operating income to assets0.9396%2,403
Return on assets (ROA)0.9396%2,378
Pretax return on assets1.2642%1,856
Return on Equity (ROE)9.2641%2,611
Retained earnings to average equity (ytd only)9.2641%1,207
Net charge-offs to loans0.0081%1,692
Credit loss provision to net charge-offs4,833.3333%119
Earnings coverage of net charge-offs (x)291.1333%414
Efficiency ratio57.9103%3,574
Assets per employee ($millions)9.4759%759
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.9613%3,759
Loan loss allowance to noncurrent loans82.9548%3,516
Noncurrent assets plus other real estate owned to assets0.7793%666
Noncurrent loans to loans1.1589%695
Net loans and leases to total assets65.5769%1,747
Net loans and leases to deposits84.9370%1,057
Net loans and leases to core deposits104.4902%490
Total domestic deposits to total assets77.2065%4,401
Equity capital to assets8.9402%2,422
Core capital (leverage) ratio9.5842%2,836
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8446%2,850
Memoranda:
Average total assets$576,193,6671,560
Average earning assets$536,291,6671,564
Average equity$58,440,6671,468
Average total loans$368,502,6671,479
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9194%893
Cost of funding earning assets0.5334%413
Net interest margin3.3860%1,329
Noninterest income to average assets0.2393%3,713
Noninterest expense to average assets2.1458%2,996
Loan and lease loss provision to assets0.3372%175
Net operating income to assets0.6969%3,068
Return on assets (ROA)0.6969%3,058
Pretax return on assets0.9282%2,667
Return on Equity (ROE)6.4384%3,206
Retained earnings to average equity (ytd only)6.4384%2,094
Net charge-offs to loans0.0174%1,184
Credit loss provision to net charge-offs3,100.0000%132
Earnings coverage of net charge-offs (x)116.3333%618
Efficiency ratio62.5213%3,203
Assets per employee ($millions)8.9572%936
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0145%3,658
Loan loss allowance to noncurrent loans85.3832%3,513
Noncurrent assets plus other real estate owned to assets0.9816%522
Noncurrent loans to loans1.1882%749
Net loans and leases to total assets63.3333%1,704
Net loans and leases to deposits73.5507%1,649
Net loans and leases to core deposits87.9321%1,022
Total domestic deposits to total assets86.1083%3,221
Equity capital to assets10.0604%1,847
Core capital (leverage) ratio9.9912%2,298
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6735%2,727
Memoranda:
Average total assets$551,584,5001,629
Average earning assets$516,711,0001,629
Average equity$59,704,5001,495
Average total loans$345,700,5001,527
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9210%1,557
Cost of funding earning assets0.6077%525
Net interest margin3.3133%2,275
Noninterest income to average assets0.5733%2,266
Noninterest expense to average assets2.1574%3,211
Loan and lease loss provision to assets0.1524%788
Net operating income to assets1.0113%2,625
Return on assets (ROA)1.0387%2,595
Pretax return on assets1.4017%2,050
Return on Equity (ROE)9.4557%2,735
Retained earnings to average equity (ytd only)9.4557%1,060
Net charge-offs to loans0.1236%733
Credit loss provision to net charge-offs191.8465%1,333
Earnings coverage of net charge-offs (x)19.1319%1,888
Efficiency ratio58.3031%3,399
Assets per employee ($millions)8.2799%1,182
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.0076%3,715
Loan loss allowance to noncurrent loans50.1764%3,891
Noncurrent assets plus other real estate owned to assets1.2302%395
Noncurrent loans to loans2.0082%389
Net loans and leases to total assets60.6415%2,093
Net loans and leases to deposits69.0945%2,217
Net loans and leases to core deposits82.3854%1,434
Total domestic deposits to total assets87.7661%2,164
Equity capital to assets11.6504%1,423
Core capital (leverage) ratio10.1377%2,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5920%2,417
Memoranda:
Average total assets$525,072,6001,636
Average earning assets$491,836,4001,633
Average equity$57,679,4001,570
Average total loans$337,334,2001,563
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7752%2,075
Cost of funding earning assets0.6208%574
Net interest margin3.1544%2,879
Noninterest income to average assets0.5833%2,285
Noninterest expense to average assets2.0692%3,456
Loan and lease loss provision to assets0.0964%1,239
Net operating income to assets1.0211%2,832
Return on assets (ROA)1.0572%2,772
Pretax return on assets1.4184%2,257
Return on Equity (ROE)9.7742%2,820
Retained earnings to average equity (ytd only)9.7742%1,390
Net charge-offs to loans0.1378%592
Credit loss provision to net charge-offs107.6705%1,534
Earnings coverage of net charge-offs (x)16.3977%1,834
Efficiency ratio58.0924%3,247
Assets per employee ($millions)8.0621%1,244
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.9326%4,062
Loan loss allowance to noncurrent loans50.3628%3,952
Noncurrent assets plus other real estate owned to assets1.1218%555
Noncurrent loans to loans1.8517%508
Net loans and leases to total assets60.0147%2,263
Net loans and leases to deposits68.7146%2,367
Net loans and leases to core deposits82.6134%1,527
Total domestic deposits to total assets87.3390%2,192
Equity capital to assets11.8322%1,476
Core capital (leverage) ratio10.0220%2,476
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4138%1,825
Memoranda:
Average total assets$523,863,0001,650
Average earning assets$490,728,7501,644
Average equity$56,665,0001,608
Average total loans$340,513,5001,586
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6778%2,398
Cost of funding earning assets0.6203%672
Net interest margin3.0576%3,157
Noninterest income to average assets0.5907%2,264
Noninterest expense to average assets2.0657%3,501
Loan and lease loss provision to assets0.0452%2,110
Net operating income to assets0.9997%2,881
Return on assets (ROA)1.0538%2,782
Pretax return on assets1.4131%2,291
Return on Equity (ROE)10.0502%2,722
Retained earnings to average equity (ytd only)10.0502%1,376
Net charge-offs to loans-0.0063%3,502
Credit loss provision to net charge-offs-1,081.8182%3,678
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.3822%3,101
Assets per employee ($millions)8.6011%978
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9154%4,113
Loan loss allowance to noncurrent loans54.8328%3,894
Noncurrent assets plus other real estate owned to assets1.0321%722
Noncurrent loans to loans1.6695%640
Net loans and leases to total assets61.2567%2,273
Net loans and leases to deposits73.4164%2,061
Net loans and leases to core deposits88.9375%1,211
Total domestic deposits to total assets83.4373%3,597
Equity capital to assets11.2386%1,801
Core capital (leverage) ratio9.8928%2,504
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3863%1,839
Memoranda:
Average total assets$526,493,3331,639
Average earning assets$493,335,6671,624
Average equity$55,203,0001,638
Average total loans$349,826,6671,560
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6136%2,598
Cost of funding earning assets0.5949%889
Net interest margin3.0187%3,209
Noninterest income to average assets0.6951%1,885
Noninterest expense to average assets2.0180%3,663
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1248%2,402
Return on assets (ROA)1.1248%2,474
Pretax return on assets1.5094%1,967
Return on Equity (ROE)11.1358%2,323
Retained earnings to average equity (ytd only)11.1358%1,369
Net charge-offs to loans-0.0011%3,057
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8177%3,452
Assets per employee ($millions)8.9983%834
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8115%4,385
Loan loss allowance to noncurrent loans59.9005%3,848
Noncurrent assets plus other real estate owned to assets0.9085%944
Noncurrent loans to loans1.3548%948
Net loans and leases to total assets66.5097%1,731
Net loans and leases to deposits84.4987%1,097
Net loans and leases to core deposits105.3081%534
Total domestic deposits to total assets78.7109%4,362
Equity capital to assets10.0002%2,707
Core capital (leverage) ratio9.4364%3,103
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6130%2,041
Memoranda:
Average total assets$523,104,5001,625
Average earning assets$490,808,5001,614
Average equity$52,838,5001,689
Average total loans$359,899,0001,523
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0713%2,505
Cost of funding earning assets0.8446%1,038
Net interest margin3.2267%3,281
Noninterest income to average assets0.7870%1,571
Noninterest expense to average assets2.1996%3,666
Loan and lease loss provision to assets0.2076%1,900
Net operating income to assets1.0332%2,163
Return on assets (ROA)1.1167%1,973
Pretax return on assets1.4843%1,390
Return on Equity (ROE)11.1770%1,567
Retained earnings to average equity (ytd only)10.0833%567
Net charge-offs to loans0.0036%3,245
Credit loss provision to net charge-offs7,916.6667%133
Earnings coverage of net charge-offs (x)604.8333%197
Efficiency ratio57.6863%3,771
Assets per employee ($millions)7.5781%1,232
Cash dividends to net income (ytd only)*9.7847%3,554
Condition Ratios (%)
Loss allowance to loans0.7938%4,437
Loan loss allowance to noncurrent loans59.7311%3,883
Noncurrent assets plus other real estate owned to assets0.9383%1,030
Noncurrent loans to loans1.3290%1,020
Net loans and leases to total assets70.0397%1,556
Net loans and leases to deposits97.6854%473
Net loans and leases to core deposits118.2354%336
Total domestic deposits to total assets71.6993%4,725
Equity capital to assets10.2047%2,928
Core capital (leverage) ratio9.4444%3,177
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9445%1,873
Memoranda:
Average total assets$457,579,8001,676
Average earning assets$425,267,8001,677
Average equity$45,719,0001,824
Average total loans$336,844,4001,551
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6860%3,829
Cost of funding earning assets0.9109%1,033
Net interest margin2.7750%4,375
Noninterest income to average assets0.9501%1,120
Noninterest expense to average assets2.2312%3,604
Loan and lease loss provision to assets0.1545%2,466
Net operating income to assets0.8597%2,863
Return on assets (ROA)0.9586%2,626
Pretax return on assets1.2837%2,118
Return on Equity (ROE)10.9442%1,699
Retained earnings to average equity (ytd only)8.7377%1,061
Net charge-offs to loans0.0185%2,485
Credit loss provision to net charge-offs1,111.1111%774
Earnings coverage of net charge-offs (x)94.3611%825
Efficiency ratio62.9512%2,923
Assets per employee ($millions)8.0570%973
Cash dividends to net income (ytd only)*20.1613%2,765
Condition Ratios (%)
Loss allowance to loans0.6737%4,616
Loan loss allowance to noncurrent loans58.5283%3,908
Noncurrent assets plus other real estate owned to assets0.8885%1,299
Noncurrent loans to loans1.1510%1,316
Net loans and leases to total assets72.5501%1,581
Net loans and leases to deposits104.9253%360
Net loans and leases to core deposits125.4277%316
Total domestic deposits to total assets69.1446%4,786
Equity capital to assets9.6490%3,554
Core capital (leverage) ratio11.8883%1,387
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3292%2,058
Memoranda:
Average total assets$344,924,7502,054
Average earning assets$322,439,7502,044
Average equity$30,213,0002,462
Average total loans$258,753,7501,869
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9576%3,441
Cost of funding earning assets1.0742%782
Net interest margin2.8834%4,334
Noninterest income to average assets0.9337%1,098
Noninterest expense to average assets2.5788%2,737
Loan and lease loss provision to assets0.1044%2,967
Net operating income to assets0.7075%3,371
Return on assets (ROA)0.7584%3,300
Pretax return on assets1.0094%2,993
Return on Equity (ROE)9.2321%2,267
Retained earnings to average equity (ytd only)4.9659%2,493
Net charge-offs to loans0.0285%2,148
Credit loss provision to net charge-offs480.6452%1,266
Earnings coverage of net charge-offs (x)48.2903%1,126
Efficiency ratio71.0781%1,812
Assets per employee ($millions)7.9606%983
Cash dividends to net income (ytd only)*46.2107%1,674
Condition Ratios (%)
Loss allowance to loans0.7070%4,551
Loan loss allowance to noncurrent loans51.8961%4,028
Noncurrent assets plus other real estate owned to assets1.0290%1,156
Noncurrent loans to loans1.3623%1,132
Net loans and leases to total assets74.9977%1,280
Net loans and leases to deposits115.2629%140
Net loans and leases to core deposits145.7123%128
Total domestic deposits to total assets65.0667%4,902
Equity capital to assets6.5100%5,015
Core capital (leverage) ratio8.0515%4,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9880%2,619
Memoranda:
Average total assets$285,331,6672,334
Average earning assets$266,628,6672,327
Average equity$23,440,0002,898
Average total loans$217,496,6672,103
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5416%2,186
Cost of funding earning assets1.2462%663
Net interest margin3.2955%3,603
Noninterest income to average assets0.7139%1,593
Noninterest expense to average assets2.9653%1,970
Loan and lease loss provision to assets0.1411%1,976
Net operating income to assets0.4847%3,932
Return on assets (ROA)0.5844%3,704
Pretax return on assets0.7720%3,484
Return on Equity (ROE)6.1267%3,273
Retained earnings to average equity (ytd only)1.7753%3,520
Net charge-offs to loans-0.0022%3,667
Credit loss provision to net charge-offs-8,500.0000%3,951
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0265%1,232
Assets per employee ($millions)5.2850%2,339
Cash dividends to net income (ytd only)*71.0227%1,174
Condition Ratios (%)
Loss allowance to loans1.0636%3,388
Loan loss allowance to noncurrent loans46.8318%4,141
Noncurrent assets plus other real estate owned to assets1.6548%606
Noncurrent loans to loans2.2712%561
Net loans and leases to total assets72.0866%1,906
Net loans and leases to deposits87.0627%1,862
Net loans and leases to core deposits118.1522%529
Total domestic deposits to total assets82.7985%3,173
Equity capital to assets9.0476%4,573
Core capital (leverage) ratio9.4618%4,025
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8860%2,760
Memoranda:
Average total assets$240,922,5002,548
Average earning assets$222,122,5002,555
Average equity$22,981,5002,926
Average total loans$184,944,0002,309
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0425%1,362
Cost of funding earning assets1.4018%562
Net interest margin3.6407%2,991
Noninterest income to average assets0.4264%3,126
Noninterest expense to average assets2.9751%2,077
Loan and lease loss provision to assets0.1758%1,187
Net operating income to assets0.4797%4,451
Return on assets (ROA)0.6905%3,961
Pretax return on assets0.9316%3,645
Return on Equity (ROE)6.6958%3,662
Retained earnings to average equity (ytd only)2.3022%3,871
Net charge-offs to loans0.0322%2,745
Credit loss provision to net charge-offs705.4545%451
Earnings coverage of net charge-offs (x)33.7273%1,465
Efficiency ratio77.3542%1,225
Assets per employee ($millions)4.7534%2,889
Cash dividends to net income (ytd only)*65.6168%1,307
Condition Ratios (%)
Loss allowance to loans1.0159%3,406
Loan loss allowance to noncurrent loans43.4883%4,207
Noncurrent assets plus other real estate owned to assets1.8947%438
Noncurrent loans to loans2.3361%503
Net loans and leases to total assets80.2809%747
Net loans and leases to deposits96.9292%847
Net loans and leases to core deposits133.0061%240
Total domestic deposits to total assets82.8242%3,259
Equity capital to assets10.0853%3,847
Core capital (leverage) ratio9.5871%3,977
Tier 1 risk-based capital ratio12.0346%4,345
Total risk-based capital ratio13.0540%4,350
Memoranda:
Average total assets$220,701,6002,654
Average earning assets$205,455,0002,654
Average equity$22,760,4002,889
Average total loans$171,039,8002,406
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9743%1,614
Cost of funding earning assets1.3862%596
Net interest margin3.5881%3,284
Noninterest income to average assets0.6050%2,176
Noninterest expense to average assets2.9281%2,169
Loan and lease loss provision to assets0.1669%1,116
Net operating income to assets0.6377%4,193
Return on assets (ROA)0.9212%3,345
Pretax return on assets1.2216%2,910
Return on Equity (ROE)8.8817%2,931
Retained earnings to average equity (ytd only)4.4761%3,156
Net charge-offs to loans-0.0056%4,232
Credit loss provision to net charge-offs-3,914.2857%4,615
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1835%1,675
Assets per employee ($millions)5.0140%2,547
Cash dividends to net income (ytd only)*49.6034%1,698
Condition Ratios (%)
Loss allowance to loans1.0395%3,348
Loan loss allowance to noncurrent loans54.2433%4,116
Noncurrent assets plus other real estate owned to assets1.4300%799
Noncurrent loans to loans1.9163%727
Net loans and leases to total assets73.8489%1,847
Net loans and leases to deposits90.9604%1,573
Net loans and leases to core deposits126.6806%354
Total domestic deposits to total assets81.1879%3,696
Equity capital to assets9.8919%4,123
Core capital (leverage) ratio10.0409%3,603
Tier 1 risk-based capital ratio12.7021%4,032
Total risk-based capital ratio13.7382%4,029
Memoranda:
Average total assets$218,836,0002,696
Average earning assets$204,486,7502,682
Average equity$22,697,7502,918
Average total loans$167,536,7502,457
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0838%1,260
Cost of funding earning assets1.3352%669
Net interest margin3.7486%2,759
Noninterest income to average assets0.5487%2,391
Noninterest expense to average assets3.1037%1,723
Loan and lease loss provision to assets0.1857%955
Net operating income to assets0.5784%4,365
Return on assets (ROA)1.0149%2,944
Pretax return on assets1.3272%2,451
Return on Equity (ROE)9.6206%2,576
Retained earnings to average equity (ytd only)5.1749%2,682
Net charge-offs to loans0.0049%2,986
Credit loss provision to net charge-offs4,950.0000%77
Earnings coverage of net charge-offs (x)256.0000%316
Efficiency ratio75.1673%1,498
Assets per employee ($millions)4.6437%2,946
Cash dividends to net income (ytd only)*46.2107%1,956
Condition Ratios (%)
Loss allowance to loans1.0351%3,417
Loan loss allowance to noncurrent loans92.7050%3,445
Noncurrent assets plus other real estate owned to assets0.8792%1,596
Noncurrent loans to loans1.1165%1,462
Net loans and leases to total assets77.9260%1,236
Net loans and leases to deposits97.9142%853
Net loans and leases to core deposits131.7553%289
Total domestic deposits to total assets79.5861%4,118
Equity capital to assets10.7416%3,313
Core capital (leverage) ratio10.3916%3,200
Tier 1 risk-based capital ratio13.6404%3,513
Total risk-based capital ratio14.7095%3,503
Memoranda:
Average total assets$213,229,0002,751
Average earning assets$199,968,0002,742
Average equity$22,493,3302,924
Average total loans$164,763,0002,489
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0156%1,299
Cost of funding earning assets1.2939%667
Net interest margin3.7217%2,811
Noninterest income to average assets0.5069%2,515
Noninterest expense to average assets2.9741%2,066
Loan and lease loss provision to assets0.1070%1,663
Net operating income to assets0.7227%3,865
Return on assets (ROA)0.7717%3,759
Pretax return on assets0.9820%3,504
Return on Equity (ROE)7.3830%3,512
Retained earnings to average equity (ytd only)2.8921%3,779
Net charge-offs to loans0.0123%2,256
Credit loss provision to net charge-offs1,140.0000%334
Earnings coverage of net charge-offs (x)109.4000%632
Efficiency ratio73.1112%1,866
Assets per employee ($millions)4.4943%3,202
Cash dividends to net income (ytd only)*60.8273%1,338
Condition Ratios (%)
Loss allowance to loans0.9721%3,860
Loan loss allowance to noncurrent loans122.9055%3,026
Noncurrent assets plus other real estate owned to assets0.6031%2,265
Noncurrent loans to loans0.7909%2,060
Net loans and leases to total assets75.5087%1,563
Net loans and leases to deposits97.1701%873
Net loans and leases to core deposits127.8507%338
Total domestic deposits to total assets77.7078%4,565
Equity capital to assets10.4670%3,375
Core capital (leverage) ratio10.2224%3,359
Tier 1 risk-based capital ratio13.6368%3,530
Total risk-based capital ratio14.6405%3,577
Memoranda:
Average total assets$213,039,0002,780
Average earning assets$200,016,0002,762
Average equity$22,267,5002,946
Average total loans$163,045,5002,533
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8224%1,496
Cost of funding earning assets1.0606%578
Net interest margin3.7618%2,816
Noninterest income to average assets0.8269%1,381
Noninterest expense to average assets3.1176%1,748
Loan and lease loss provision to assets0.0920%2,313
Net operating income to assets0.8861%3,476
Return on assets (ROA)0.8861%3,472
Pretax return on assets1.1655%3,038
Return on Equity (ROE)8.3830%3,279
Retained earnings to average equity (ytd only)5.5604%2,448
Net charge-offs to loans0.0588%2,299
Credit loss provision to net charge-offs205.5556%1,403
Earnings coverage of net charge-offs (x)28.1000%1,664
Efficiency ratio70.0761%2,171
Assets per employee ($millions)4.4756%3,206
Cash dividends to net income (ytd only)*33.6700%2,870
Condition Ratios (%)
Loss allowance to loans0.9573%3,929
Loan loss allowance to noncurrent loans62.2035%4,076
Noncurrent assets plus other real estate owned to assets1.1823%1,108
Noncurrent loans to loans1.5390%979
Net loans and leases to total assets76.0882%1,596
Net loans and leases to deposits96.7532%997
Net loans and leases to core deposits120.2529%538
Total domestic deposits to total assets78.6415%4,385
Equity capital to assets10.4373%3,249
Core capital (leverage) ratio10.4472%3,086
Tier 1 risk-based capital ratio13.7637%3,412
Total risk-based capital ratio14.7544%3,454
Memoranda:
Average total assets$201,115,4002,856
Average earning assets$189,696,4002,833
Average equity$21,257,4002,959
Average total loans$153,022,4002,612
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6760%1,747
Cost of funding earning assets1.0165%556
Net interest margin3.6594%3,172
Noninterest income to average assets0.5841%2,394
Noninterest expense to average assets3.0481%1,883
Loan and lease loss provision to assets-0.0101%5,219
Net operating income to assets0.7934%3,928
Return on assets (ROA)0.7934%3,939
Pretax return on assets1.0033%3,712
Return on Equity (ROE)7.4813%3,761
Retained earnings to average equity (ytd only)4.6355%3,433
Net charge-offs to loans0.0283%2,534
Credit loss provision to net charge-offs-46.8750%4,157
Earnings coverage of net charge-offs (x)46.2765%1,234
Efficiency ratio74.1288%1,576
Assets per employee ($millions)4.4750%3,160
Cash dividends to net income (ytd only)*38.0393%2,160
Condition Ratios (%)
Loss allowance to loans0.9050%4,243
Loan loss allowance to noncurrent loans27.5328%4,786
Noncurrent assets plus other real estate owned to assets2.5341%337
Noncurrent loans to loans3.2869%309
Net loans and leases to total assets76.3983%1,603
Net loans and leases to deposits97.7818%966
Net loans and leases to core deposits122.1900%506
Total domestic deposits to total assets78.1313%4,468
Equity capital to assets10.5490%3,093
Core capital (leverage) ratio10.4335%3,149
Tier 1 risk-based capital ratio14.0871%3,329
Total risk-based capital ratio15.0245%3,392
Memoranda:
Average total assets$198,806,2502,902
Average earning assets$187,821,2502,872
Average equity$21,083,0002,996
Average total loans$150,878,0002,649
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6290%1,697
Cost of funding earning assets0.9568%564
Net interest margin3.6722%3,034
Noninterest income to average assets0.5709%2,470
Noninterest expense to average assets3.0957%1,798
Loan and lease loss provision to assets-0.0808%5,407
Net operating income to assets0.8103%3,824
Return on assets (ROA)0.8103%3,826
Pretax return on assets1.0265%3,579
Return on Equity (ROE)7.6273%3,663
Retained earnings to average equity (ytd only)4.7742%3,198
Net charge-offs to loans0.0402%2,058
Credit loss provision to net charge-offs-266.6667%4,244
Earnings coverage of net charge-offs (x)31.2000%1,464
Efficiency ratio75.3000%1,520
Assets per employee ($millions)4.6991%2,819
Cash dividends to net income (ytd only)*37.4065%2,263
Condition Ratios (%)
Loss allowance to loans0.8732%4,451
Loan loss allowance to noncurrent loans27.6758%4,799
Noncurrent assets plus other real estate owned to assets2.4384%364
Noncurrent loans to loans3.1552%342
Net loans and leases to total assets75.3927%1,740
Net loans and leases to deposits95.1322%1,234
Net loans and leases to core deposits119.4421%575
Total domestic deposits to total assets79.2504%4,383
Equity capital to assets10.4864%3,134
Core capital (leverage) ratio10.5903%2,934
Tier 1 risk-based capital ratio13.8195%3,453
Total risk-based capital ratio14.7091%3,557
Memoranda:
Average total assets$197,950,0002,921
Average earning assets$187,082,6702,890
Average equity$21,029,6703,015
Average total loans$149,420,0002,670
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5325%1,765
Cost of funding earning assets0.8992%595
Net interest margin3.6333%3,055
Noninterest income to average assets0.4125%3,379
Noninterest expense to average assets3.1874%1,589
Loan and lease loss provision to assets-0.2491%5,562
Net operating income to assets0.7228%4,016
Return on assets (ROA)0.7228%4,022
Pretax return on assets0.9066%3,826
Return on Equity (ROE)6.7589%3,874
Retained earnings to average equity (ytd only)3.8950%3,636
Net charge-offs to loans0.0054%2,541
Credit loss provision to net charge-offs-6,100.0000%4,477
Earnings coverage of net charge-offs (x)161.0000%407
Efficiency ratio81.5189%1,000
Assets per employee ($millions)4.1510%3,724
Cash dividends to net income (ytd only)*42.3729%1,757
Condition Ratios (%)
Loss allowance to loans0.9008%4,448
Loan loss allowance to noncurrent loans26.0290%4,858
Noncurrent assets plus other real estate owned to assets2.6807%330
Noncurrent loans to loans3.4606%302
Net loans and leases to total assets74.8869%1,729
Net loans and leases to deposits95.0702%1,124
Net loans and leases to core deposits120.6547%571
Total domestic deposits to total assets78.7700%4,615
Equity capital to assets10.6788%2,884
Core capital (leverage) ratio10.5018%2,938
Tier 1 risk-based capital ratio14.6016%3,068
Total risk-based capital ratio15.5494%3,143
Memoranda:
Average total assets$195,894,0002,969
Average earning assets$185,063,5002,940
Average equity$20,950,0003,051
Average total loans$147,289,0002,721
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3944%2,039
Cost of funding earning assets0.8413%498
Net interest margin3.5531%3,328
Noninterest income to average assets0.7449%1,789
Noninterest expense to average assets3.3162%1,344
Loan and lease loss provision to assets0.1646%1,343
Net operating income to assets0.4404%4,561
Return on assets (ROA)0.4548%4,546
Pretax return on assets0.6390%4,650
Return on Equity (ROE)4.3147%4,402
Retained earnings to average equity (ytd only)4.3147%2,568
Net charge-offs to loans0.2491%1,048
Credit loss provision to net charge-offs88.5475%2,815
Earnings coverage of net charge-offs (x)4.2151%3,503
Efficiency ratio79.4479%1,164
Assets per employee ($millions)4.1849%3,681
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9868%4,021
Loan loss allowance to noncurrent loans15.2826%5,010
Noncurrent assets plus other real estate owned to assets4.9397%94
Noncurrent loans to loans6.4568%74
Net loans and leases to total assets74.0735%1,908
Net loans and leases to deposits96.9975%992
Net loans and leases to core deposits119.1768%613
Total domestic deposits to total assets76.3665%4,935
Equity capital to assets10.7102%2,931
Core capital (leverage) ratio10.4538%2,897
Tier 1 risk-based capital ratio14.1579%3,278
Total risk-based capital ratio15.1706%3,316
Memoranda:
Average total assets$192,632,6002,991
Average earning assets$181,866,8002,942
Average equity$20,302,8003,112
Average total loans$143,728,6002,723
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3857%1,998
Cost of funding earning assets0.8335%484
Net interest margin3.5522%3,313
Noninterest income to average assets0.6304%2,312
Noninterest expense to average assets3.2550%1,448
Loan and lease loss provision to assets0.1510%1,382
Net operating income to assets0.4029%4,994
Return on assets (ROA)0.4126%5,002
Pretax return on assets0.5921%4,861
Return on Equity (ROE)3.9312%4,873
Retained earnings to average equity (ytd only)3.9312%3,585
Net charge-offs to loans0.3360%624
Credit loss provision to net charge-offs60.2778%2,805
Earnings coverage of net charge-offs (x)2.9111%3,409
Efficiency ratio80.1607%1,083
Assets per employee ($millions)3.9756%4,024
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9309%4,425
Loan loss allowance to noncurrent loans25.6410%5,000
Noncurrent assets plus other real estate owned to assets2.8717%328
Noncurrent loans to loans3.6304%293
Net loans and leases to total assets75.2918%1,711
Net loans and leases to deposits99.4477%785
Net loans and leases to core deposits123.3014%480
Total domestic deposits to total assets75.7099%5,051
Equity capital to assets10.8407%3,023
Core capital (leverage) ratio10.3181%3,178
Tier 1 risk-based capital ratio14.3434%3,269
Total risk-based capital ratio15.3123%3,328
Memoranda:
Average total assets$191,618,0003,030
Average earning assets$180,915,5002,980
Average equity$20,112,0003,154
Average total loans$142,873,7502,754
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3390%2,004
Cost of funding earning assets0.8071%508
Net interest margin3.5320%3,291
Noninterest income to average assets0.5931%2,493
Noninterest expense to average assets3.1717%1,646
Loan and lease loss provision to assets0.2356%728
Net operating income to assets0.3367%5,133
Return on assets (ROA)0.3502%5,120
Pretax return on assets0.5410%4,930
Return on Equity (ROE)3.3734%5,006
Retained earnings to average equity (ytd only)3.3734%3,705
Net charge-offs to loans0.4094%499
Credit loss provision to net charge-offs77.6632%2,289
Earnings coverage of net charge-offs (x)2.4914%3,156
Efficiency ratio79.1401%1,320
Assets per employee ($millions)4.1269%3,742
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9925%4,190
Loan loss allowance to noncurrent loans25.2475%5,044
Noncurrent assets plus other real estate owned to assets2.9184%322
Noncurrent loans to loans3.9311%251
Net loans and leases to total assets71.9109%2,217
Net loans and leases to deposits96.9278%992
Net loans and leases to core deposits120.4948%542
Total domestic deposits to total assets74.1901%5,275
Equity capital to assets10.2720%3,604
Core capital (leverage) ratio10.1698%3,314
Tier 1 risk-based capital ratio14.0155%3,422
Total risk-based capital ratio15.0318%3,464
Memoranda:
Average total assets$191,881,6703,040
Average earning assets$181,146,0002,992
Average equity$19,920,3303,169
Average total loans$142,156,0002,775
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3715%1,747
Cost of funding earning assets0.7675%587
Net interest margin3.6041%2,876
Noninterest income to average assets0.5340%2,745
Noninterest expense to average assets3.2525%1,471
Loan and lease loss provision to assets0.2543%581
Net operating income to assets0.4111%4,918
Return on assets (ROA)0.4111%4,942
Pretax return on assets0.4301%5,100
Return on Equity (ROE)3.9378%4,803
Retained earnings to average equity (ytd only)3.9378%3,476
Net charge-offs to loans0.0085%2,680
Credit loss provision to net charge-offs4,000.0000%74
Earnings coverage of net charge-offs (x)107.6667%502
Efficiency ratio81.0011%1,258
Assets per employee ($millions)4.1742%3,710
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1272%3,535
Loan loss allowance to noncurrent loans25.6819%5,115
Noncurrent assets plus other real estate owned to assets3.2925%273
Noncurrent loans to loans4.3891%222
Net loans and leases to total assets73.5478%1,813
Net loans and leases to deposits98.3194%744
Net loans and leases to core deposits128.1285%287
Total domestic deposits to total assets74.8050%5,348
Equity capital to assets10.3623%3,335
Core capital (leverage) ratio10.2745%3,151
Tier 1 risk-based capital ratio14.0008%3,480
Total risk-based capital ratio15.1568%3,445
Memoranda:
Average total assets$188,777,0003,095
Average earning assets$178,243,5003,052
Average equity$19,706,5003,205
Average total loans$141,295,5002,799
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3411%2,010
Cost of funding earning assets0.6410%1,096
Net interest margin3.7001%2,693
Noninterest income to average assets1.1707%827
Noninterest expense to average assets3.3339%1,503
Loan and lease loss provision to assets0.0794%2,780
Net operating income to assets0.9159%2,746
Return on assets (ROA)0.8904%2,991
Pretax return on assets1.2151%2,606
Return on Equity (ROE)8.1766%2,846
Retained earnings to average equity (ytd only)5.6278%1,938
Net charge-offs to loans0.0222%3,596
Credit loss provision to net charge-offs493.1034%673
Earnings coverage of net charge-offs (x)82.5862%700
Efficiency ratio70.1107%2,881
Assets per employee ($millions)4.1231%3,744
Cash dividends to net income (ytd only)*31.1721%3,269
Condition Ratios (%)
Loss allowance to loans1.0683%3,904
Loan loss allowance to noncurrent loans26.7995%5,139
Noncurrent assets plus other real estate owned to assets3.0312%332
Noncurrent loans to loans3.9861%263
Net loans and leases to total assets74.5209%1,767
Net loans and leases to deposits99.9754%672
Net loans and leases to core deposits124.6988%369
Total domestic deposits to total assets74.5392%5,395
Equity capital to assets10.5185%3,132
Core capital (leverage) ratio10.3013%3,107
Tier 1 risk-based capital ratio13.9378%3,497
Total risk-based capital ratio15.0197%3,505
Memoranda:
Average total assets$180,150,8003,162
Average earning assets$170,050,2003,112
Average equity$19,617,0003,205
Average total loans$130,393,4002,914
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3984%1,866
Cost of funding earning assets0.6261%1,163
Net interest margin3.7723%2,444
Noninterest income to average assets0.9932%1,157
Noninterest expense to average assets3.2907%1,588
Loan and lease loss provision to assets0.0664%2,896
Net operating income to assets0.8737%3,038
Return on assets (ROA)0.9418%2,823
Pretax return on assets1.2923%2,460
Return on Equity (ROE)8.5732%2,719
Retained earnings to average equity (ytd only)8.5732%950
Net charge-offs to loans0.0031%3,822
Credit loss provision to net charge-offs2,966.6667%170
Earnings coverage of net charge-offs (x)565.6525%160
Efficiency ratio70.8020%2,774
Assets per employee ($millions)3.9221%4,093
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.0892%3,890
Loan loss allowance to noncurrent loans112.7791%3,367
Noncurrent assets plus other real estate owned to assets0.8208%2,494
Noncurrent loans to loans0.9658%2,307
Net loans and leases to total assets72.1678%2,160
Net loans and leases to deposits97.6439%887
Net loans and leases to core deposits122.2440%449
Total domestic deposits to total assets73.9092%5,445
Equity capital to assets11.1123%2,907
Core capital (leverage) ratio10.6743%2,809
Tier 1 risk-based capital ratio14.5916%3,241
Total risk-based capital ratio15.6973%3,240
Memoranda:
Average total assets$178,803,5003,190
Average earning assets$168,876,0003,139
Average equity$19,642,2503,228
Average total loans$128,052,0002,956
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3946%1,844
Cost of funding earning assets0.6191%1,199
Net interest margin3.7756%2,424
Noninterest income to average assets1.0545%1,006
Noninterest expense to average assets3.3296%1,534
Loan and lease loss provision to assets0.0509%3,129
Net operating income to assets0.9031%2,848
Return on assets (ROA)0.9584%2,734
Pretax return on assets1.3133%2,353
Return on Equity (ROE)8.7596%2,606
Retained earnings to average equity (ytd only)8.7596%919
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6804%2,879
Assets per employee ($millions)3.8313%4,209
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0971%3,958
Loan loss allowance to noncurrent loans115.1172%3,414
Noncurrent assets plus other real estate owned to assets0.7142%2,834
Noncurrent loans to loans0.9530%2,378
Net loans and leases to total assets71.2900%2,284
Net loans and leases to deposits95.4191%1,147
Net loans and leases to core deposits114.4878%702
Total domestic deposits to total assets74.7125%5,447
Equity capital to assets11.2804%2,766
Core capital (leverage) ratio10.6194%2,832
Tier 1 risk-based capital ratio14.8671%3,133
Total risk-based capital ratio15.9879%3,137
Memoranda:
Average total assets$176,959,0003,226
Average earning assets$167,021,6703,181
Average equity$19,361,6703,260
Average total loans$125,903,6703,000
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4993%1,507
Cost of funding earning assets0.6227%1,202
Net interest margin3.8766%2,004
Noninterest income to average assets0.7939%1,642
Noninterest expense to average assets3.2214%1,790
Loan and lease loss provision to assets0.1027%1,988
Net operating income to assets0.8441%3,012
Return on assets (ROA)0.8441%3,145
Pretax return on assets1.1202%3,013
Return on Equity (ROE)7.8365%3,011
Retained earnings to average equity (ytd only)7.8365%1,529
Net charge-offs to loans-0.0226%4,914
Credit loss provision to net charge-offs-642.8571%4,627
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9959%2,960
Assets per employee ($millions)3.9762%3,994
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1335%3,869
Loan loss allowance to noncurrent loans121.5803%3,204
Noncurrent assets plus other real estate owned to assets0.6852%3,003
Noncurrent loans to loans0.9323%2,519
Net loans and leases to total assets69.7573%2,380
Net loans and leases to deposits94.6092%1,087
Net loans and leases to core deposits113.9581%671
Total domestic deposits to total assets73.7320%5,633
Equity capital to assets10.6936%3,267
Core capital (leverage) ratio10.5172%2,940
Tier 1 risk-based capital ratio14.3051%3,492
Total risk-based capital ratio15.4194%3,513
Memoranda:
Average total assets$175,327,0003,258
Average earning assets$165,092,0003,213
Average equity$18,886,0003,316
Average total loans$123,956,5003,031
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3797%1,970
Cost of funding earning assets0.6405%1,123
Net interest margin3.7393%2,607
Noninterest income to average assets0.7285%2,073
Noninterest expense to average assets3.6044%1,117
Loan and lease loss provision to assets0.3276%495
Net operating income to assets0.7318%3,665
Return on assets (ROA)1.0639%2,146
Pretax return on assets0.6322%4,739
Return on Equity (ROE)9.3300%2,309
Retained earnings to average equity (ytd only)9.3300%581
Net charge-offs to loans0.0735%2,780
Credit loss provision to net charge-offs684.9315%490
Earnings coverage of net charge-offs (x)13.1233%2,397
Efficiency ratio83.3746%1,239
Assets per employee ($millions)3.9028%4,115
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.1334%3,846
Loan loss allowance to noncurrent loans142.1649%2,928
Noncurrent assets plus other real estate owned to assets0.5934%3,303
Noncurrent loans to loans0.7973%2,799
Net loans and leases to total assets70.0463%2,358
Net loans and leases to deposits90.8478%1,523
Net loans and leases to core deposits110.1570%846
Total domestic deposits to total assets77.1029%5,299
Equity capital to assets10.8534%2,980
Core capital (leverage) ratio10.9900%2,416
Tier 1 risk-based capital ratio14.9273%3,209
Total risk-based capital ratio16.0592%3,205
Memoranda:
Average total assets$152,646,4003,531
Average earning assets$143,023,2003,499
Average equity$17,406,2003,476
Average total loans$99,340,8003,392
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3307%2,137
Cost of funding earning assets0.6473%1,109
Net interest margin3.6834%2,834
Noninterest income to average assets0.6275%2,594
Noninterest expense to average assets3.5596%1,179
Loan and lease loss provision to assets0.4039%294
Net operating income to assets0.1118%5,832
Return on assets (ROA)0.5689%4,618
Pretax return on assets0.5689%5,050
Return on Equity (ROE)4.9204%4,660
Retained earnings to average equity (ytd only)4.9204%2,969
Net charge-offs to loans0.0953%2,203
Credit loss provision to net charge-offs668.6567%510
Earnings coverage of net charge-offs (x)8.5374%2,805
Efficiency ratio85.4204%1,047
Assets per employee ($millions)3.5902%4,625
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.2740%3,237
Loan loss allowance to noncurrent loans55.1967%4,813
Noncurrent assets plus other real estate owned to assets1.5643%1,427
Noncurrent loans to loans2.3081%925
Net loans and leases to total assets66.9137%2,861
Net loans and leases to deposits81.5119%2,705
Net loans and leases to core deposits99.2029%1,585
Total domestic deposits to total assets82.0907%4,131
Equity capital to assets11.2322%2,769
Core capital (leverage) ratio11.0647%2,418
Tier 1 risk-based capital ratio15.3403%3,120
Total risk-based capital ratio16.5306%3,088
Memoranda:
Average total assets$147,876,7503,634
Average earning assets$138,420,0003,596
Average equity$17,098,2503,543
Average total loans$93,759,5003,536
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2559%2,332
Cost of funding earning assets0.6365%1,190
Net interest margin3.6193%3,015
Noninterest income to average assets0.5751%2,876
Noninterest expense to average assets3.5866%1,155
Loan and lease loss provision to assets0.5655%165
Net operating income to assets-0.1977%6,104
Return on assets (ROA)0.4983%4,879
Pretax return on assets0.4983%5,233
Return on Equity (ROE)4.2662%4,918
Retained earnings to average equity (ytd only)4.2662%3,309
Net charge-offs to loans0.1243%1,766
Credit loss provision to net charge-offs735.7143%465
Earnings coverage of net charge-offs (x)4.7857%2,994
Efficiency ratio88.6845%857
Assets per employee ($millions)3.3835%5,014
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.2944%3,271
Loan loss allowance to noncurrent loans48.0882%5,055
Noncurrent assets plus other real estate owned to assets1.9073%1,186
Noncurrent loans to loans2.6918%801
Net loans and leases to total assets65.5081%3,041
Net loans and leases to deposits79.6391%2,836
Net loans and leases to core deposits97.1689%1,709
Total domestic deposits to total assets82.2562%4,209
Equity capital to assets10.9763%2,911
Core capital (leverage) ratio11.5991%1,923
Tier 1 risk-based capital ratio15.2030%3,249
Total risk-based capital ratio16.3797%3,225
Memoranda:
Average total assets$145,709,6703,699
Average earning assets$136,047,0003,660
Average equity$17,017,6703,565
Average total loans$90,135,0003,637
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0936%2,860
Cost of funding earning assets0.6356%1,200
Net interest margin3.4580%3,596
Noninterest income to average assets0.4774%3,446
Noninterest expense to average assets3.5749%1,170
Loan and lease loss provision to assets0.7217%122
Net operating income to assets-0.5954%6,265
Return on assets (ROA)0.8172%3,298
Pretax return on assets0.8172%4,177
Return on Equity (ROE)6.7791%3,620
Retained earnings to average equity (ytd only)6.7791%2,110
Net charge-offs to loans0.1228%1,529
Credit loss provision to net charge-offs988.4615%347
Earnings coverage of net charge-offs (x)1.7308%2,874
Efficiency ratio94.3854%577
Assets per employee ($millions)3.7175%4,480
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3813%3,013
Loan loss allowance to noncurrent loans47.7016%5,084
Noncurrent assets plus other real estate owned to assets1.9658%1,220
Noncurrent loans to loans2.8956%775
Net loans and leases to total assets59.7905%3,684
Net loans and leases to deposits74.3113%3,265
Net loans and leases to core deposits92.7380%1,883
Total domestic deposits to total assets80.4594%4,939
Equity capital to assets12.1877%1,903
Core capital (leverage) ratio11.8683%1,726
Tier 1 risk-based capital ratio17.3786%2,347
Total risk-based capital ratio18.6012%2,315
Memoranda:
Average total assets$142,436,5003,769
Average earning assets$132,793,5003,738
Average equity$17,170,5003,569
Average total loans$84,678,5003,782
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0750%3,421
Cost of funding earning assets0.6622%1,323
Net interest margin3.4128%4,145
Noninterest income to average assets0.6566%2,520
Noninterest expense to average assets3.5766%1,344
Loan and lease loss provision to assets0.1447%1,829
Net operating income to assets0.3836%5,278
Return on assets (ROA)0.7463%3,741
Pretax return on assets0.4600%5,358
Return on Equity (ROE)6.3920%3,958
Retained earnings to average equity (ytd only)6.3920%1,713
Net charge-offs to loans0.1100%2,943
Credit loss provision to net charge-offs232.1429%1,086
Earnings coverage of net charge-offs (x)3.8810%3,790
Efficiency ratio91.4125%748
Assets per employee ($millions)3.6823%4,565
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.1372%4,347
Loan loss allowance to noncurrent loans35.2462%5,509
Noncurrent assets plus other real estate owned to assets2.1211%1,162
Noncurrent loans to loans3.2266%674
Net loans and leases to total assets57.6284%4,101
Net loans and leases to deposits71.4240%3,745
Net loans and leases to core deposits88.7268%2,414
Total domestic deposits to total assets80.6849%4,831
Equity capital to assets11.9241%2,066
Core capital (leverage) ratio11.0984%2,316
Tier 1 risk-based capital ratio16.8723%2,562
Total risk-based capital ratio17.9221%2,593
Memoranda:
Average total assets$134,791,8003,887
Average earning assets$124,883,8003,863
Average equity$15,738,4003,718
Average total loans$76,349,4003,987
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0969%3,389
Cost of funding earning assets0.6680%1,335
Net interest margin3.4289%4,108
Noninterest income to average assets0.6607%2,519
Noninterest expense to average assets3.5699%1,348
Loan and lease loss provision to assets0.1106%2,201
Net operating income to assets0.1549%5,939
Return on assets (ROA)0.3228%5,590
Pretax return on assets0.3228%5,735
Return on Equity (ROE)2.7806%5,624
Retained earnings to average equity (ytd only)2.7806%4,622
Net charge-offs to loans0.1056%2,743
Credit loss provision to net charge-offs186.4407%1,345
Earnings coverage of net charge-offs (x)4.4748%3,447
Efficiency ratio90.7971%788
Assets per employee ($millions)3.6646%4,546
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1247%4,641
Loan loss allowance to noncurrent loans30.8011%5,702
Noncurrent assets plus other real estate owned to assets2.3903%1,133
Noncurrent loans to loans3.6514%636
Net loans and leases to total assets57.8350%4,097
Net loans and leases to deposits72.0803%3,678
Net loans and leases to core deposits90.9765%2,120
Total domestic deposits to total assets80.2369%5,037
Equity capital to assets12.0340%2,029
Core capital (leverage) ratio10.9292%2,559
Tier 1 risk-based capital ratio17.7034%2,315
Total risk-based capital ratio18.7855%2,342
Memoranda:
Average total assets$132,587,7503,961
Average earning assets$122,756,0003,933
Average equity$15,392,0003,787
Average total loans$74,509,0004,064
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0587%3,510
Cost of funding earning assets0.6690%1,387
Net interest margin3.3897%4,220
Noninterest income to average assets0.6247%2,686
Noninterest expense to average assets3.6675%1,191
Loan and lease loss provision to assets0.1079%2,211
Net operating income to assets-0.0243%6,202
Return on assets (ROA)0.1642%5,961
Pretax return on assets0.1642%5,999
Return on Equity (ROE)1.4320%5,961
Retained earnings to average equity (ytd only)1.4320%5,167
Net charge-offs to loans0.0247%3,704
Credit loss provision to net charge-offs788.8889%411
Earnings coverage of net charge-offs (x)6.1111%2,819
Efficiency ratio95.4214%587
Assets per employee ($millions)3.4394%4,975
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1931%4,456
Loan loss allowance to noncurrent loans27.4218%5,844
Noncurrent assets plus other real estate owned to assets2.7122%977
Noncurrent loans to loans4.3510%510
Net loans and leases to total assets55.7505%4,318
Net loans and leases to deposits69.2513%3,914
Net loans and leases to core deposits87.2835%2,385
Total domestic deposits to total assets80.5047%5,128
Equity capital to assets11.8135%2,141
Core capital (leverage) ratio10.9782%2,448
Tier 1 risk-based capital ratio17.7066%2,348
Total risk-based capital ratio18.8194%2,367
Memoranda:
Average total assets$131,586,6704,000
Average earning assets$121,368,0003,979
Average equity$15,083,6703,840
Average total loans$72,908,3304,138
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0756%3,375
Cost of funding earning assets0.6715%1,431
Net interest margin3.4041%4,097
Noninterest income to average assets0.5341%3,154
Noninterest expense to average assets3.6343%1,243
Loan and lease loss provision to assets0.1228%1,960
Net operating income to assets-0.0952%6,282
Return on assets (ROA)0.2486%5,710
Pretax return on assets0.2486%5,832
Return on Equity (ROE)2.2037%5,734
Retained earnings to average equity (ytd only)2.2037%4,723
Net charge-offs to loans0.0336%2,923
Credit loss provision to net charge-offs666.6667%422
Earnings coverage of net charge-offs (x)1.5000%3,082
Efficiency ratio96.8148%601
Assets per employee ($millions)3.1956%5,532
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2167%4,565
Loan loss allowance to noncurrent loans20.6905%6,064
Noncurrent assets plus other real estate owned to assets3.3583%784
Noncurrent loans to loans5.8805%311
Net loans and leases to total assets54.2215%4,384
Net loans and leases to deposits67.3681%3,926
Net loans and leases to core deposits85.4351%2,373
Total domestic deposits to total assets80.4854%5,389
Equity capital to assets11.6036%2,165
Core capital (leverage) ratio11.1014%2,300
Tier 1 risk-based capital ratio18.8131%2,026
Total risk-based capital ratio19.9627%2,013
Memoranda:
Average total assets$130,312,5004,059
Average earning assets$119,738,0004,046
Average equity$14,702,5003,915
Average total loans$71,520,5004,218
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1289%3,626
Cost of funding earning assets0.6756%1,996
Net interest margin3.4533%4,083
Noninterest income to average assets1.3852%730
Noninterest expense to average assets4.2696%653
Loan and lease loss provision to assets0.0602%3,939
Net operating income to assets0.2336%5,738
Return on assets (ROA)0.3671%5,385
Pretax return on assets0.3671%5,567
Return on Equity (ROE)3.0635%5,479
Retained earnings to average equity (ytd only)3.0635%4,047
Net charge-offs to loans0.1318%3,490
Credit loss provision to net charge-offs88.0952%2,819
Earnings coverage of net charge-offs (x)4.2976%3,611
Efficiency ratio91.4928%909
Assets per employee ($millions)3.0141%5,811
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1824%4,746
Loan loss allowance to noncurrent loans43.0399%5,521
Noncurrent assets plus other real estate owned to assets1.6396%2,256
Noncurrent loans to loans2.7473%1,303
Net loans and leases to total assets54.2294%4,556
Net loans and leases to deposits66.9958%4,182
Net loans and leases to core deposits85.0793%2,554
Total domestic deposits to total assets80.9444%5,199
Equity capital to assets10.9579%2,654
Core capital (leverage) ratio11.2934%2,127
Tier 1 risk-based capital ratio18.2125%2,177
Total risk-based capital ratio19.2906%2,202
Memoranda:
Average total assets$122,869,2004,217
Average earning assets$113,081,6004,199
Average equity$14,721,8003,914
Average total loans$63,741,4004,491
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1160%3,691
Cost of funding earning assets0.6693%2,180
Net interest margin3.4467%4,097
Noninterest income to average assets1.1816%1,051
Noninterest expense to average assets4.5109%513
Loan and lease loss provision to assets0.0715%3,634
Net operating income to assets-0.2167%6,480
Return on assets (ROA)-0.0363%6,368
Pretax return on assets-0.0363%6,347
Return on Equity (ROE)-0.2963%6,370
Retained earnings to average equity (ytd only)-0.2963%6,002
Net charge-offs to loans0.0926%3,635
Credit loss provision to net charge-offs151.1628%1,558
Earnings coverage of net charge-offs (x)-3.0699%5,106
Efficiency ratio101.1341%426
Assets per employee ($millions)2.8504%6,076
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.3301%4,240
Loan loss allowance to noncurrent loans61.5656%4,761
Noncurrent assets plus other real estate owned to assets1.2096%3,225
Noncurrent loans to loans2.1605%2,050
Net loans and leases to total assets51.6365%4,920
Net loans and leases to deposits63.9135%4,528
Net loans and leases to core deposits81.9511%2,877
Total domestic deposits to total assets80.7913%5,273
Equity capital to assets10.9315%2,828
Core capital (leverage) ratio11.1579%2,335
Tier 1 risk-based capital ratio20.1998%1,684
Total risk-based capital ratio21.4497%1,661
Memoranda:
Average total assets$121,185,2504,296
Average earning assets$111,950,2504,263
Average equity$14,851,7503,943
Average total loans$61,895,5004,586
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1184%3,664
Cost of funding earning assets0.6503%2,491
Net interest margin3.4682%3,932
Noninterest income to average assets1.3709%837
Noninterest expense to average assets4.5769%491
Loan and lease loss provision to assets0.1085%2,982
Net operating income to assets-0.1085%6,412
Return on assets (ROA)0.1653%6,105
Pretax return on assets0.1653%6,136
Return on Equity (ROE)1.2999%6,145
Retained earnings to average equity (ytd only)1.2999%5,375
Net charge-offs to loans0.1385%2,995
Credit loss provision to net charge-offs154.7619%1,493
Earnings coverage of net charge-offs (x)0.0000%4,556
Efficiency ratio97.8840%573
Assets per employee ($millions)2.7365%6,240
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.3457%4,288
Loan loss allowance to noncurrent loans98.3127%3,506
Noncurrent assets plus other real estate owned to assets0.7682%4,298
Noncurrent loans to loans1.3687%3,265
Net loans and leases to total assets49.8196%5,126
Net loans and leases to deposits61.5151%4,801
Net loans and leases to core deposits81.6463%2,834
Total domestic deposits to total assets80.9876%5,341
Equity capital to assets10.8968%2,852
Core capital (leverage) ratio11.4850%1,947
Tier 1 risk-based capital ratio20.2977%1,653
Total risk-based capital ratio21.5463%1,632
Memoranda:
Average total assets$119,774,6704,357
Average earning assets$110,721,3304,318
Average equity$15,232,3303,904
Average total loans$60,649,3304,653
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0919%3,761
Cost of funding earning assets0.6362%2,773
Net interest margin3.4558%3,874
Noninterest income to average assets1.5361%650
Noninterest expense to average assets5.0488%355
Loan and lease loss provision to assets0.1040%2,943
Net operating income to assets-0.4334%6,650
Return on assets (ROA)0.1352%6,176
Pretax return on assets0.1352%6,201
Return on Equity (ROE)0.9848%6,224
Retained earnings to average equity (ytd only)0.9848%5,452
Net charge-offs to loans0.1641%2,418
Credit loss provision to net charge-offs125.0000%1,549
Earnings coverage of net charge-offs (x)-3.9583%4,057
Efficiency ratio104.8494%422
Assets per employee ($millions)2.5551%6,531
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4614%3,966
Loan loss allowance to noncurrent loans129.0663%2,710
Noncurrent assets plus other real estate owned to assets0.7186%4,575
Noncurrent loans to loans1.1323%3,890
Net loans and leases to total assets48.1177%5,211
Net loans and leases to deposits61.4479%4,625
Net loans and leases to core deposits76.2858%3,279
Total domestic deposits to total assets78.3065%6,070
Equity capital to assets12.9768%1,436
Core capital (leverage) ratio12.2773%1,429
Tier 1 risk-based capital ratio22.5096%1,236
Total risk-based capital ratio23.7607%1,223
Memoranda:
Average total assets$115,354,0004,500
Average earning assets$106,257,5004,468
Average equity$15,841,0003,843
Average total loans$58,499,0004,757
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6015%2,999
Cost of funding earning assets0.6604%3,831
Net interest margin3.9410%2,647
Noninterest income to average assets1.6350%595
Noninterest expense to average assets5.1631%342
Loan and lease loss provision to assets0.5705%985
Net operating income to assets-0.4625%6,547
Return on assets (ROA)0.1416%6,066
Pretax return on assets0.1416%6,082
Return on Equity (ROE)0.8574%6,159
Retained earnings to average equity (ytd only)0.8574%5,439
Net charge-offs to loans0.1832%3,915
Credit loss provision to net charge-offs597.8022%412
Earnings coverage of net charge-offs (x)1.1319%4,895
Efficiency ratio95.2447%738
Assets per employee ($millions)2.3045%6,771
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.4583%3,907
Loan loss allowance to noncurrent loans60.4833%4,643
Noncurrent assets plus other real estate owned to assets1.4519%3,199
Noncurrent loans to loans2.4111%2,214
Net loans and leases to total assets51.9857%4,930
Net loans and leases to deposits68.5841%3,895
Net loans and leases to core deposits81.4980%2,819
Total domestic deposits to total assets75.7985%6,380
Equity capital to assets14.5529%854
Core capital (leverage) ratio13.6657%899
Tier 1 risk-based capital ratio23.1211%1,097
Total risk-based capital ratio24.3724%1,081
Memoranda:
Average total assets$95,350,2004,954
Average earning assets$87,972,2004,916
Average equity$15,745,0003,819
Average total loans$49,684,2005,122
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4995%3,640
Cost of funding earning assets0.6578%4,122
Net interest margin3.8417%3,151
Noninterest income to average assets1.2789%906
Noninterest expense to average assets5.0894%347
Loan and lease loss provision to assets0.2870%2,275
Net operating income to assets-0.5419%6,717
Return on assets (ROA)0.1078%6,256
Pretax return on assets0.1078%6,263
Return on Equity (ROE)0.6301%6,324
Retained earnings to average equity (ytd only)0.6301%5,906
Net charge-offs to loans0.2441%3,256
Credit loss provision to net charge-offs226.4368%1,220
Earnings coverage of net charge-offs (x)-2.0115%5,651
Efficiency ratio102.6514%457
Assets per employee ($millions)2.3434%6,829
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9675%6,199
Loan loss allowance to noncurrent loans32.0303%6,040
Noncurrent assets plus other real estate owned to assets1.8558%2,853
Noncurrent loans to loans3.0207%1,844
Net loans and leases to total assets51.6012%5,104
Net loans and leases to deposits65.8657%4,485
Net loans and leases to core deposits79.5061%3,269
Total domestic deposits to total assets78.3431%6,007
Equity capital to assets16.0400%598
Core capital (leverage) ratio14.5025%707
Tier 1 risk-based capital ratio25.9160%831
Total risk-based capital ratio26.8380%846
Memoranda:
Average total assets$91,533,5005,086
Average earning assets$84,718,5005,051
Average equity$15,656,7503,870
Average total loans$47,516,2505,252
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4802%3,853
Cost of funding earning assets0.6303%4,621
Net interest margin3.8499%3,137
Noninterest income to average assets0.7597%2,374
Noninterest expense to average assets5.1393%339
Loan and lease loss provision to assets0.3640%1,816
Net operating income to assets-1.1803%6,953
Return on assets (ROA)-0.4703%6,761
Pretax return on assets-0.4703%6,732
Return on Equity (ROE)-2.6860%6,656
Retained earnings to average equity (ytd only)-2.6860%6,427
Net charge-offs to loans0.1832%3,491
Credit loss provision to net charge-offs383.3333%779
Earnings coverage of net charge-offs (x)-8.5952%5,462
Efficiency ratio115.8473%259
Assets per employee ($millions)2.5858%6,671
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0115%6,111
Loan loss allowance to noncurrent loans28.5793%6,208
Noncurrent assets plus other real estate owned to assets2.2304%2,511
Noncurrent loans to loans3.5391%1,620
Net loans and leases to total assets52.8837%4,977
Net loans and leases to deposits65.5325%4,567
Net loans and leases to core deposits77.6969%3,563
Total domestic deposits to total assets80.6984%5,559
Equity capital to assets16.1869%544
Core capital (leverage) ratio15.5512%518
Tier 1 risk-based capital ratio27.3629%695
Total risk-based capital ratio28.3647%699
Memoranda:
Average total assets$88,455,6705,211
Average earning assets$81,872,0005,156
Average equity$15,488,0003,893
Average total loans$45,853,3305,347
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3297%4,614
Cost of funding earning assets0.6134%5,022
Net interest margin3.7162%3,756
Noninterest income to average assets0.7732%2,285
Noninterest expense to average assets5.3698%286
Loan and lease loss provision to assets0.0754%4,454
Net operating income to assets-1.2446%7,038
Return on assets (ROA)-0.3394%6,768
Pretax return on assets-0.3394%6,751
Return on Equity (ROE)-1.8594%6,674
Retained earnings to average equity (ytd only)-1.8594%6,261
Net charge-offs to loans0.0278%4,299
Credit loss provision to net charge-offs533.3333%627
Earnings coverage of net charge-offs (x)-82.6667%4,717
Efficiency ratio124.5791%186
Assets per employee ($millions)2.2201%7,032
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9234%6,485
Loan loss allowance to noncurrent loans21.7922%6,498
Noncurrent assets plus other real estate owned to assets2.4473%2,412
Noncurrent loans to loans4.2374%1,418
Net loans and leases to total assets50.9297%5,172
Net loans and leases to deposits62.3746%4,865
Net loans and leases to core deposits64.2654%5,080
Total domestic deposits to total assets81.6513%5,408
Equity capital to assets17.8428%347
Core capital (leverage) ratio16.6813%393
Tier 1 risk-based capital ratio31.5841%455
Total risk-based capital ratio32.4964%466
Memoranda:
Average total assets$84,845,5005,347
Average earning assets$78,251,0005,296
Average equity$15,488,5003,893
Average total loans$43,223,0005,497
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9881%2,931
Cost of funding earning assets0.7914%4,926
Net interest margin4.1967%2,069
Noninterest income to average assets0.4627%4,111
Noninterest expense to average assets4.1245%886
Loan and lease loss provision to assets0.1680%4,540
Net operating income to assets0.0138%6,010
Return on assets (ROA)0.7925%3,234
Pretax return on assets0.7925%4,008
Return on Equity (ROE)4.7308%4,515
Retained earnings to average equity (ytd only)4.7308%2,831
Net charge-offs to loans0.3176%3,804
Credit loss provision to net charge-offs99.2593%3,604
Earnings coverage of net charge-offs (x)1.0741%4,982
Efficiency ratio92.3995%1,021
Assets per employee ($millions)2.1309%7,106
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9490%6,403
Loan loss allowance to noncurrent loans20.9143%6,585
Noncurrent assets plus other real estate owned to assets2.5136%2,418
Noncurrent loans to loans4.5377%1,314
Net loans and leases to total assets49.9838%5,583
Net loans and leases to deposits61.8772%5,264
Net loans and leases to core deposits63.3637%5,530
Total domestic deposits to total assets80.7790%5,517
Equity capital to assets18.6843%298
Core capital (leverage) ratio18.0998%291
Tier 1 risk-based capital ratio32.0733%423
Total risk-based capital ratio32.9677%428
Memoranda:
Average total assets$79,743,6005,463
Average earning assets$73,033,6005,441
Average equity$13,359,2004,265
Average total loans$42,510,2005,578
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1019%2,601
Cost of funding earning assets0.8408%4,847
Net interest margin4.2611%1,867
Noninterest income to average assets0.4850%4,000
Noninterest expense to average assets3.9913%1,011
Loan and lease loss provision to assets0.1673%4,382
Net operating income to assets0.2315%5,613
Return on assets (ROA)0.2315%5,752
Pretax return on assets0.2315%5,840
Return on Equity (ROE)1.4251%5,971
Retained earnings to average equity (ytd only)1.4251%5,439
Net charge-offs to loans0.1250%4,790
Credit loss provision to net charge-offs247.5000%1,159
Earnings coverage of net charge-offs (x)5.9002%2,672
Efficiency ratio87.5674%1,380
Assets per employee ($millions)2.4017%6,985
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.0712%5,987
Loan loss allowance to noncurrent loans23.3198%6,564
Noncurrent assets plus other real estate owned to assets2.5096%2,574
Noncurrent loans to loans4.5935%1,408
Net loans and leases to total assets53.3688%5,266
Net loans and leases to deposits66.7224%4,796
Net loans and leases to core deposits68.0864%5,170
Total domestic deposits to total assets79.9864%5,741
Equity capital to assets19.3537%291
Core capital (leverage) ratio17.2779%372
Tier 1 risk-based capital ratio30.6187%508
Total risk-based capital ratio31.6392%508
Memoranda:
Average total assets$78,902,7505,530
Average earning assets$72,311,2505,506
Average equity$12,817,0004,378
Average total loans$42,653,2505,621
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2786%1,955
Cost of funding earning assets0.8890%4,763
Net interest margin4.3895%1,399
Noninterest income to average assets0.4696%4,112
Noninterest expense to average assets3.9728%1,092
Loan and lease loss provision to assets0.2488%3,419
Net operating income to assets0.2589%5,522
Return on assets (ROA)0.2589%5,647
Pretax return on assets0.2589%5,779
Return on Equity (ROE)1.7034%5,887
Retained earnings to average equity (ytd only)1.7034%5,141
Net charge-offs to loans0.0047%5,810
Credit loss provision to net charge-offs9,800.0000%29
Earnings coverage of net charge-offs (x)200.0000%186
Efficiency ratio85.3824%1,664
Assets per employee ($millions)2.7547%6,549
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1323%5,818
Loan loss allowance to noncurrent loans22.1132%6,644
Noncurrent assets plus other real estate owned to assets2.9017%2,316
Noncurrent loans to loans5.1204%1,264
Net loans and leases to total assets54.2142%5,265
Net loans and leases to deposits67.1197%4,833
Net loans and leases to core deposits69.2944%5,150
Total domestic deposits to total assets80.7724%5,603
Equity capital to assets18.7244%333
Core capital (leverage) ratio17.2439%385
Tier 1 risk-based capital ratio29.6931%554
Total risk-based capital ratio30.7711%543
Memoranda:
Average total assets$78,785,0005,581
Average earning assets$71,989,3305,557
Average equity$11,976,3304,565
Average total loans$42,619,0005,674
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3173%1,815
Cost of funding earning assets0.9350%4,688
Net interest margin4.3823%1,333
Noninterest income to average assets0.4704%4,115
Noninterest expense to average assets3.9113%1,159
Loan and lease loss provision to assets0.3068%2,713
Net operating income to assets0.2301%5,680
Return on assets (ROA)0.2301%5,745
Pretax return on assets0.2301%5,867
Return on Equity (ROE)1.7167%5,902
Retained earnings to average equity (ytd only)1.7167%5,092
Net charge-offs to loans-0.0190%6,552
Credit loss provision to net charge-offs-3,000.0000%6,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.5977%1,886
Assets per employee ($millions)2.2726%7,200
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0555%6,201
Loan loss allowance to noncurrent loans32.1254%6,165
Noncurrent assets plus other real estate owned to assets2.2971%2,951
Noncurrent loans to loans3.2856%2,290
Net loans and leases to total assets55.9260%5,003
Net loans and leases to deposits64.8917%5,146
Net loans and leases to core deposits66.9891%5,402
Total domestic deposits to total assets86.1835%3,414
Equity capital to assets13.6340%1,131
Core capital (leverage) ratio12.0942%1,511
Tier 1 risk-based capital ratio21.0369%1,388
Total risk-based capital ratio22.0509%1,410
Memoranda:
Average total assets$78,235,0005,638
Average earning assets$71,013,0005,629
Average equity$10,485,5004,922
Average total loans$42,026,0005,755
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7164%1,510
Cost of funding earning assets1.2319%4,344
Net interest margin4.4845%1,261
Noninterest income to average assets0.5672%3,698
Noninterest expense to average assets4.8469%475
Loan and lease loss provision to assets1.0505%1,535
Net operating income to assets-1.6022%6,941
Return on assets (ROA)-1.6022%6,963
Pretax return on assets-1.6022%6,893
Return on Equity (ROE)-11.3307%6,783
Retained earnings to average equity (ytd only)-11.3307%6,726
Net charge-offs to loans0.9466%2,289
Credit loss provision to net charge-offs213.2492%1,428
Earnings coverage of net charge-offs (x)-1.1199%6,630
Efficiency ratio101.3748%736
Assets per employee ($millions)2.3294%7,191
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.9882%6,435
Loan loss allowance to noncurrent loans26.1297%6,529
Noncurrent assets plus other real estate owned to assets2.3598%2,909
Noncurrent loans to loans3.7819%1,956
Net loans and leases to total assets50.4773%6,122
Net loans and leases to deposits58.2838%6,228
Net loans and leases to core deposits60.1001%6,385
Total domestic deposits to total assets86.6061%3,028
Equity capital to assets13.1768%1,308
Core capital (leverage) ratio12.3513%1,373
Tier 1 risk-based capital ratio21.6479%1,225
Total risk-based capital ratio22.5581%1,252
Memoranda:
Average total assets$64,351,0006,055
Average earning assets$53,495,4006,235
Average equity$9,099,2005,394
Average total loans$33,487,6006,231
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0099%913
Cost of funding earning assets1.2857%4,322
Net interest margin4.7242%796
Noninterest income to average assets0.5211%4,022
Noninterest expense to average assets4.6350%511
Loan and lease loss provision to assets1.1060%1,314
Net operating income to assets-1.3984%7,074
Return on assets (ROA)-1.3984%7,095
Pretax return on assets-1.3984%7,013
Return on Equity (ROE)-9.6746%6,916
Retained earnings to average equity (ytd only)-9.6746%6,863
Net charge-offs to loans0.0546%5,976
Credit loss provision to net charge-offs3,869.2308%77
Earnings coverage of net charge-offs (x)-10.2325%6,624
Efficiency ratio102.7848%661
Assets per employee ($millions)2.0939%7,467
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4074%4,422
Loan loss allowance to noncurrent loans31.6607%6,230
Noncurrent assets plus other real estate owned to assets2.6108%2,769
Noncurrent loans to loans4.4453%1,631
Net loans and leases to total assets49.2551%6,400
Net loans and leases to deposits58.2090%6,445
Net loans and leases to core deposits60.1546%6,586
Total domestic deposits to total assets84.6177%3,821
Equity capital to assets14.8556%932
Core capital (leverage) ratio14.0660%906
Tier 1 risk-based capital ratio24.0133%944
Total risk-based capital ratio25.2641%919
Memoranda:
Average total assets$60,638,7506,243
Average earning assets$49,051,2506,470
Average equity$8,765,0005,564
Average total loans$31,765,2506,407
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4892%2,570
Cost of funding earning assets1.2483%4,841
Net interest margin4.2409%2,015
Noninterest income to average assets0.5563%3,656
Noninterest expense to average assets4.6370%503
Loan and lease loss provision to assets0.1687%5,191
Net operating income to assets-0.7501%6,836
Return on assets (ROA)-0.7501%6,851
Pretax return on assets-0.7501%6,755
Return on Equity (ROE)-5.2552%6,717
Retained earnings to average equity (ytd only)-5.2552%6,583
Net charge-offs to loans-0.0268%7,330
Credit loss provision to net charge-offs-1,175.0000%6,918
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio109.7345%550
Assets per employee ($millions)2.1987%7,431
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.2863%7,668
Loan loss allowance to noncurrent loans5.8221%7,303
Noncurrent assets plus other real estate owned to assets2.4513%2,935
Noncurrent loans to loans4.9180%1,411
Net loans and leases to total assets49.7012%6,461
Net loans and leases to deposits60.6937%6,340
Net loans and leases to core deposits63.1049%6,474
Total domestic deposits to total assets81.8886%5,035
Equity capital to assets17.9310%423
Core capital (leverage) ratio18.5283%325
Tier 1 risk-based capital ratio30.3132%494
Total risk-based capital ratio30.5813%531
Memoranda:
Average total assets$55,725,3306,468
Average earning assets$45,981,0006,636
Average equity$7,954,0005,823
Average total loans$29,801,0006,540
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6233%2,059
Cost of funding earning assets1.2620%5,052
Net interest margin4.3613%1,503
Noninterest income to average assets0.4564%4,411
Noninterest expense to average assets4.9122%391
Loan and lease loss provision to assets0.2862%3,739
Net operating income to assets-1.1062%7,168
Return on assets (ROA)-1.1062%7,184
Pretax return on assets-1.1062%7,102
Return on Equity (ROE)-9.2043%7,105
Retained earnings to average equity (ytd only)-9.2043%6,910
Net charge-offs to loans0.1388%4,107
Credit loss provision to net charge-offs370.0000%1,103
Earnings coverage of net charge-offs (x)-10.6000%5,562
Efficiency ratio115.1229%512
Assets per employee ($millions)1.9504%7,688
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.2244%7,803
Loan loss allowance to noncurrent loans5.9083%7,375
Noncurrent assets plus other real estate owned to assets2.1497%3,328
Noncurrent loans to loans3.7980%2,081
Net loans and leases to total assets54.5503%5,950
Net loans and leases to deposits61.6829%6,305
Net loans and leases to core deposits63.9841%6,455
Total domestic deposits to total assets88.4366%1,830
Equity capital to assets11.3748%2,447
Core capital (leverage) ratio10.6229%2,520
Tier 1 risk-based capital ratio17.4431%2,097
Total risk-based capital ratio17.6625%2,440
Memoranda:
Average total assets$51,707,5006,673
Average earning assets$43,106,0006,816
Average equity$6,214,5006,446
Average total loans$28,811,0006,668
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8993%7,889
Cost of funding earning assets0.7196%7,662
Net interest margin2.1798%7,654
Noninterest income to average assets2.1553%341
Noninterest expense to average assets2.5644%5,913
Loan and lease loss provision to assets0.0914%6,689
Net operating income to assets1.3896%868
Return on assets (ROA)1.3850%931
Pretax return on assets1.3850%1,470
Return on Equity (ROE)12.0597%1,146
Retained earnings to average equity (ytd only)12.0597%203
Net charge-offs to loans0.0155%7,002
Credit loss provision to net charge-offs1,000.0000%291
Earnings coverage of net charge-offs (x)162.0000%181
Efficiency ratio63.3898%5,892
Assets per employee ($millions)1.8075%7,820
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.1441%7,899
Loan loss allowance to noncurrent loans3.7771%7,431
Noncurrent assets plus other real estate owned to assets2.1699%3,169
Noncurrent loans to loans3.8143%1,959
Net loans and leases to total assets56.8080%5,853
Net loans and leases to deposits65.2759%6,136
Net loans and leases to core deposits70.9163%6,712
Total domestic deposits to total assets87.0274%2,492
Equity capital to assets12.7390%1,621
Core capital (leverage) ratio12.1351%1,608
Tier 1 risk-based capital ratio19.9846%1,466
Total risk-based capital ratio20.1314%1,644
Memoranda:
Average total assets$43,753,4006,954
Average earning assets$37,939,6007,017
Average equity$5,025,0006,931
Average total loans$25,797,2006,866
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.8914%8,034
Cost of funding earning assets0.4738%7,956
Net interest margin1.4177%7,964
Noninterest income to average assets2.2624%308
Noninterest expense to average assets1.6662%7,788
Loan and lease loss provision to assets0.0471%6,897
Net operating income to assets1.7886%457
Return on assets (ROA)1.7823%494
Pretax return on assets1.7823%833
Return on Equity (ROE)16.0209%653
Retained earnings to average equity (ytd only)16.0209%126
Net charge-offs to loans0.0158%6,698
Credit loss provision to net charge-offs500.0000%781
Earnings coverage of net charge-offs (x)194.9950%201
Efficiency ratio47.5806%7,680
Assets per employee ($millions)1.7943%7,899
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.0617%8,013
Loan loss allowance to noncurrent loans1.5549%7,523
Noncurrent assets plus other real estate owned to assets2.2939%2,984
Noncurrent loans to loans3.9691%1,853
Net loans and leases to total assets57.7578%5,920
Net loans and leases to deposits65.6439%6,341
Net loans and leases to core deposits70.3094%6,953
Total domestic deposits to total assets87.9865%1,661
Equity capital to assets11.7883%2,363
Core capital (leverage) ratio10.0874%3,192
Tier 1 risk-based capital ratio17.0302%2,267
Total risk-based capital ratio17.0947%2,622
Memoranda:
Average total assets$42,491,0007,055
Average earning assets$37,149,0007,109
Average equity$4,727,0007,101
Average total loans$25,305,5006,952
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.0000%8,193
Cost of funding earning assets0.0000%8,178
Net interest margin0.0000%8,180
Noninterest income to average assets2.9255%222
Noninterest expense to average assets0.0000%8,193
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets2.9255%66
Return on assets (ROA)2.9255%75
Pretax return on assets2.9255%112
Return on Equity (ROE)26.8722%107
Retained earnings to average equity (ytd only)26.8722%39
Net charge-offs to loans0.0319%6,013
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)152.5000%266
Efficiency ratio0.0000%8,169
Assets per employee ($millions)2.0436%7,824
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.0000%8,113
Loan loss allowance to noncurrent loans0.0000%7,563
Noncurrent assets plus other real estate owned to assets2.3977%2,705
Noncurrent loans to loans4.2094%1,570
Net loans and leases to total assets56.9601%6,090
Net loans and leases to deposits65.1554%6,466
Net loans and leases to core deposits68.2383%7,106
Total domestic deposits to total assets87.4219%2,046
Equity capital to assets12.2984%2,028
Core capital (leverage) ratio10.6404%2,706
Tier 1 risk-based capital ratio18.4524%1,886
Total risk-based capital ratio18.4524%2,174
Memoranda:
Average total assets$41,702,0007,146
Average earning assets$37,175,3307,169
Average equity$4,540,0007,230
Average total loans$25,099,0007,022
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7833%3,388
Cost of funding earning assets1.5299%6,309
Net interest margin4.2534%1,735
Noninterest income to average assets0.8858%1,906
Noninterest expense to average assets4.7694%566
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-0.0681%6,355
Return on assets (ROA)-0.0681%6,477
Pretax return on assets-0.0681%6,451
Return on Equity (ROE)-0.6713%6,491
Retained earnings to average equity (ytd only)-0.6713%5,805
Net charge-offs to loans0.0629%4,574
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)-1.7500%5,454
Efficiency ratio101.4493%1,067
Assets per employee ($millions)1.8477%7,997
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.9150%1,588
Loan loss allowance to noncurrent loans46.7695%5,393
Noncurrent assets plus other real estate owned to assets2.5511%2,251
Noncurrent loans to loans4.0944%1,463
Net loans and leases to total assets61.1134%5,484
Net loans and leases to deposits68.4843%6,133
Net loans and leases to core deposits71.3277%6,942
Total domestic deposits to total assets89.2371%1,125
Equity capital to assets10.2536%3,707
Core capital (leverage) ratio9.1271%4,507
Tier 1 risk-based capital ratio15.9951%2,690
Total risk-based capital ratio17.2546%2,626
Memoranda:
Average total assets$41,095,0007,199
Average earning assets$36,864,5007,222
Average equity$4,171,0007,391
Average total loans$25,426,0007,034
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5466%2,735
Cost of funding earning assets1.9416%6,611
Net interest margin4.6050%1,163
Noninterest income to average assets0.8426%2,281
Noninterest expense to average assets4.9426%640
Loan and lease loss provision to assets0.0565%6,706
Net operating income to assets-0.0424%6,431
Return on assets (ROA)-0.0424%6,281
Pretax return on assets-0.0424%6,202
Return on Equity (ROE)-0.4313%6,289
Retained earnings to average equity (ytd only)-0.4313%5,418
Net charge-offs to loans0.1646%4,556
Credit loss provision to net charge-offs54.5455%6,298
Earnings coverage of net charge-offs (x)0.1364%6,165
Efficiency ratio99.7151%996
Assets per employee ($millions)1.8882%7,994
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.9158%1,385
Loan loss allowance to noncurrent loans54.5151%5,247
Noncurrent assets plus other real estate owned to assets2.1593%2,268
Noncurrent loans to loans3.5142%1,441
Net loans and leases to total assets60.2682%5,876
Net loans and leases to deposits67.4025%6,514
Net loans and leases to core deposits70.4485%7,165
Total domestic deposits to total assets89.4153%875
Equity capital to assets10.0479%3,977
Core capital (leverage) ratio9.0867%4,613
Tier 1 risk-based capital ratio15.7992%2,742
Total risk-based capital ratio17.0574%2,681
Memoranda:
Average total assets$42,487,4007,105
Average earning assets$37,958,6007,141
Average equity$4,173,6007,441
Average total loans$26,730,2006,919