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Huron Community Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2666%3,306
Cost of funding earning assets0.2065%3,401
Net interest margin3.0601%3,020
Noninterest income to average assets0.6387%1,993
Noninterest expense to average assets2.5314%2,084
Loan and lease loss provision to assets0.0627%1,816
Net operating income to assets0.7954%3,348
Return on assets (ROA)0.8070%3,388
Pretax return on assets0.9443%3,388
Return on Equity (ROE)8.1467%3,173
Retained earnings to average equity (ytd only)1.4950%4,120
Net charge-offs to loans-0.0294%4,115
Credit loss provision to net charge-offs-428.5714%3,727
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5500%1,560
Assets per employee ($millions)4.8005%3,887
Cash dividends to net income (ytd only)*81.6494%469
Condition Ratios (%)
Loss allowance to loans1.9575%652
Loan loss allowance to noncurrent loans114.6091%3,257
Noncurrent assets plus other real estate owned to assets0.8280%713
Noncurrent loans to loans1.7080%500
Net loans and leases to total assets44.4326%3,807
Net loans and leases to deposits51.0225%3,798
Net loans and leases to core deposits51.5411%3,924
Total domestic deposits to total assets87.0842%2,482
Equity capital to assets8.9092%3,716
Core capital (leverage) ratio9.0359%3,360
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$286,999,6002,499
Average earning assets$270,675,6002,482
Average equity$28,428,6002,621
Average total loans$142,690,8002,698
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3490%3,253
Cost of funding earning assets0.2074%3,538
Net interest margin3.1416%2,930
Noninterest income to average assets0.6861%1,872
Noninterest expense to average assets2.4764%2,194
Loan and lease loss provision to assets0.0636%1,726
Net operating income to assets0.9354%3,134
Return on assets (ROA)0.9498%3,163
Pretax return on assets1.1231%3,149
Return on Equity (ROE)9.3378%2,990
Retained earnings to average equity (ytd only)9.3378%1,560
Net charge-offs to loans-0.0389%4,243
Credit loss provision to net charge-offs-321.4286%3,512
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6611%1,878
Assets per employee ($millions)5.0168%3,679
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.9594%685
Loan loss allowance to noncurrent loans123.0985%3,165
Noncurrent assets plus other real estate owned to assets0.7340%1,003
Noncurrent loans to loans1.5917%644
Net loans and leases to total assets41.7640%4,107
Net loans and leases to deposits47.8561%4,125
Net loans and leases to core deposits48.3228%4,222
Total domestic deposits to total assets87.2700%2,233
Equity capital to assets9.3888%3,477
Core capital (leverage) ratio9.3303%3,191
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$283,142,2502,541
Average earning assets$266,777,0002,532
Average equity$28,799,7502,636
Average total loans$144,098,5002,725
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5991%2,623
Cost of funding earning assets0.2158%3,592
Net interest margin3.3833%2,195
Noninterest income to average assets0.7855%1,574
Noninterest expense to average assets2.5800%1,909
Loan and lease loss provision to assets0.0661%1,721
Net operating income to assets1.1154%2,485
Return on assets (ROA)1.1147%2,554
Pretax return on assets1.3190%2,584
Return on Equity (ROE)10.6425%2,548
Retained earnings to average equity (ytd only)10.6425%1,207
Net charge-offs to loans-0.0570%4,431
Credit loss provision to net charge-offs-214.2857%3,224
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8138%2,324
Assets per employee ($millions)4.7081%3,922
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.8373%831
Loan loss allowance to noncurrent loans117.5431%3,173
Noncurrent assets plus other real estate owned to assets0.8298%949
Noncurrent loans to loans1.5631%713
Net loans and leases to total assets48.2392%3,705
Net loans and leases to deposits56.2608%3,691
Net loans and leases to core deposits56.8663%3,842
Total domestic deposits to total assets85.7420%2,823
Equity capital to assets10.1628%2,713
Core capital (leverage) ratio9.9752%2,416
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$272,170,6672,594
Average earning assets$255,842,0002,587
Average equity$28,508,3332,642
Average total loans$147,252,6672,714
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0099%1,591
Cost of funding earning assets0.2248%3,680
Net interest margin3.7851%1,175
Noninterest income to average assets0.8464%1,477
Noninterest expense to average assets2.6903%1,641
Loan and lease loss provision to assets0.0680%1,793
Net operating income to assets1.3149%1,780
Return on assets (ROA)1.3149%1,863
Pretax return on assets1.6504%1,602
Return on Equity (ROE)12.3540%1,887
Retained earnings to average equity (ytd only)12.3540%1,062
Net charge-offs to loans-0.1118%4,672
Credit loss provision to net charge-offs-107.1429%2,843
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7816%2,941
Assets per employee ($millions)4.4470%4,152
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.7253%989
Loan loss allowance to noncurrent loans109.4032%3,218
Noncurrent assets plus other real estate owned to assets0.9249%914
Noncurrent loans to loans1.5770%774
Net loans and leases to total assets53.5019%3,288
Net loans and leases to deposits62.7957%3,245
Net loans and leases to core deposits63.4826%3,456
Total domestic deposits to total assets85.1999%3,027
Equity capital to assets10.4642%2,301
Core capital (leverage) ratio10.4301%2,142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$264,659,0002,630
Average earning assets$249,080,5002,619
Average equity$28,169,0002,659
Average total loans$150,312,5002,685
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9260%2,948
Cost of funding earning assets0.3811%3,700
Net interest margin3.5449%2,324
Noninterest income to average assets0.7954%1,543
Noninterest expense to average assets2.8549%1,807
Loan and lease loss provision to assets0.2269%1,721
Net operating income to assets0.8655%2,841
Return on assets (ROA)0.8655%2,980
Pretax return on assets1.0158%2,991
Return on Equity (ROE)7.7151%2,921
Retained earnings to average equity (ytd only)-0.1113%4,533
Net charge-offs to loans-0.0169%4,386
Credit loss provision to net charge-offs-2,165.3846%4,204
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3185%2,045
Assets per employee ($millions)4.0320%4,349
Cash dividends to net income (ytd only)*101.4432%242
Condition Ratios (%)
Loss allowance to loans1.6091%1,272
Loan loss allowance to noncurrent loans103.1001%3,288
Noncurrent assets plus other real estate owned to assets0.9948%956
Noncurrent loans to loans1.5607%848
Net loans and leases to total assets58.3153%3,050
Net loans and leases to deposits68.2337%3,053
Net loans and leases to core deposits69.1830%3,320
Total domestic deposits to total assets85.4640%2,586
Equity capital to assets10.8321%2,400
Core capital (leverage) ratio10.5506%2,129
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$248,172,6002,591
Average earning assets$231,175,2002,595
Average equity$27,841,4002,609
Average total loans$153,424,0002,631
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0414%2,854
Cost of funding earning assets0.4241%3,676
Net interest margin3.6173%2,215
Noninterest income to average assets0.7505%1,645
Noninterest expense to average assets2.8614%1,798
Loan and lease loss provision to assets0.1591%2,408
Net operating income to assets0.8596%2,864
Return on assets (ROA)0.8596%2,998
Pretax return on assets1.0299%2,964
Return on Equity (ROE)7.5932%2,968
Retained earnings to average equity (ytd only)4.7553%2,668
Net charge-offs to loans-0.0217%4,446
Credit loss provision to net charge-offs-1,172.0000%3,953
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2840%1,847
Assets per employee ($millions)4.2778%4,065
Cash dividends to net income (ytd only)*37.3737%2,039
Condition Ratios (%)
Loss allowance to loans1.3499%1,957
Loan loss allowance to noncurrent loans81.7469%3,543
Noncurrent assets plus other real estate owned to assets1.0991%950
Noncurrent loans to loans1.6513%839
Net loans and leases to total assets58.4592%3,373
Net loans and leases to deposits68.4989%3,431
Net loans and leases to core deposits69.5614%3,652
Total domestic deposits to total assets85.3433%2,307
Equity capital to assets10.5698%2,731
Core capital (leverage) ratio10.1643%2,557
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$245,703,5002,593
Average earning assets$224,142,2502,619
Average equity$27,813,7502,605
Average total loans$153,544,2502,637
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1642%2,868
Cost of funding earning assets0.4676%3,712
Net interest margin3.6966%2,174
Noninterest income to average assets0.6499%1,933
Noninterest expense to average assets2.9728%1,653
Loan and lease loss provision to assets0.1718%2,290
Net operating income to assets0.7819%3,101
Return on assets (ROA)0.7819%3,221
Pretax return on assets0.9308%3,229
Return on Equity (ROE)6.7349%3,235
Retained earnings to average equity (ytd only)4.8034%2,564
Net charge-offs to loans0.1381%1,024
Credit loss provision to net charge-offs195.1923%1,944
Earnings coverage of net charge-offs (x)12.5288%2,046
Efficiency ratio72.5706%1,612
Assets per employee ($millions)3.9657%4,347
Cash dividends to net income (ytd only)*28.6797%2,408
Condition Ratios (%)
Loss allowance to loans1.1983%2,528
Loan loss allowance to noncurrent loans281.1698%1,648
Noncurrent assets plus other real estate owned to assets0.4000%2,691
Noncurrent loans to loans0.4262%2,883
Net loans and leases to total assets63.0446%3,000
Net loans and leases to deposits78.9407%2,549
Net loans and leases to core deposits80.3278%2,920
Total domestic deposits to total assets79.8633%3,864
Equity capital to assets11.0822%2,264
Core capital (leverage) ratio10.9962%1,966
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$236,345,0002,630
Average earning assets$219,010,3332,636
Average equity$27,439,0002,617
Average total loans$150,646,0002,653
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2489%3,074
Cost of funding earning assets0.5167%3,863
Net interest margin3.7322%2,210
Noninterest income to average assets0.5088%2,509
Noninterest expense to average assets3.1006%1,636
Loan and lease loss provision to assets0.0940%2,504
Net operating income to assets0.6471%3,457
Return on assets (ROA)0.6471%3,518
Pretax return on assets0.7588%3,524
Return on Equity (ROE)5.4326%3,498
Retained earnings to average equity (ytd only)2.8577%3,139
Net charge-offs to loans0.2894%506
Credit loss provision to net charge-offs50.9615%2,054
Earnings coverage of net charge-offs (x)4.6250%2,123
Efficiency ratio78.0269%1,330
Assets per employee ($millions)3.4765%4,504
Cash dividends to net income (ytd only)*47.3973%1,704
Condition Ratios (%)
Loss allowance to loans1.2660%2,304
Loan loss allowance to noncurrent loans201.7738%2,054
Noncurrent assets plus other real estate owned to assets0.6023%2,200
Noncurrent loans to loans0.6274%2,420
Net loans and leases to total assets61.8625%3,313
Net loans and leases to deposits76.1511%3,061
Net loans and leases to core deposits78.0131%3,354
Total domestic deposits to total assets81.2365%3,617
Equity capital to assets11.6293%2,338
Core capital (leverage) ratio11.7623%1,895
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$225,631,0002,669
Average earning assets$208,243,0002,679
Average equity$26,875,0002,645
Average total loans$143,727,5002,697
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5176%2,881
Cost of funding earning assets0.5010%4,088
Net interest margin4.0166%1,802
Noninterest income to average assets0.4889%2,805
Noninterest expense to average assets2.9045%2,279
Loan and lease loss provision to assets0.2815%619
Net operating income to assets0.8543%3,381
Return on assets (ROA)0.8585%3,452
Pretax return on assets1.0201%3,415
Return on Equity (ROE)7.2653%3,459
Retained earnings to average equity (ytd only)6.0282%1,851
Net charge-offs to loans0.3963%494
Credit loss provision to net charge-offs109.5406%2,273
Earnings coverage of net charge-offs (x)5.0459%3,137
Efficiency ratio68.4677%2,394
Assets per employee ($millions)3.4659%4,510
Cash dividends to net income (ytd only)*17.0280%3,564
Condition Ratios (%)
Loss allowance to loans1.3021%1,911
Loan loss allowance to noncurrent loans210.9357%2,001
Noncurrent assets plus other real estate owned to assets0.6163%2,045
Noncurrent loans to loans0.6173%2,345
Net loans and leases to total assets63.9372%3,210
Net loans and leases to deposits75.7363%3,207
Net loans and leases to core deposits77.5752%3,474
Total domestic deposits to total assets84.4209%2,716
Equity capital to assets12.2025%2,010
Core capital (leverage) ratio11.9656%1,804
Tier 1 risk-based capital ratio16.8149%2,117
Total risk-based capital ratio18.0045%2,074
Memoranda:
Average total assets$220,279,0002,657
Average earning assets$203,580,8002,674
Average equity$26,027,8002,631
Average total loans$142,825,8002,692
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5061%3,047
Cost of funding earning assets0.4931%4,168
Net interest margin4.0130%1,894
Noninterest income to average assets0.4796%2,853
Noninterest expense to average assets2.9456%2,114
Loan and lease loss provision to assets0.0352%3,196
Net operating income to assets1.0130%2,933
Return on assets (ROA)1.0180%2,990
Pretax return on assets1.2206%2,915
Return on Equity (ROE)8.6876%3,014
Retained earnings to average equity (ytd only)7.8649%1,457
Net charge-offs to loans0.0374%2,340
Credit loss provision to net charge-offs145.0000%1,678
Earnings coverage of net charge-offs (x)51.5269%1,169
Efficiency ratio69.5332%2,185
Assets per employee ($millions)3.6733%4,308
Cash dividends to net income (ytd only)*9.4697%3,371
Condition Ratios (%)
Loss allowance to loans1.2756%2,090
Loan loss allowance to noncurrent loans116.4340%3,065
Noncurrent assets plus other real estate owned to assets0.8745%1,566
Noncurrent loans to loans1.0956%1,450
Net loans and leases to total assets60.4095%3,641
Net loans and leases to deposits70.9088%3,697
Net loans and leases to core deposits72.7139%3,906
Total domestic deposits to total assets85.1932%2,352
Equity capital to assets11.4601%2,686
Core capital (leverage) ratio11.3486%2,342
Tier 1 risk-based capital ratio17.1137%2,047
Total risk-based capital ratio18.3041%2,022
Memoranda:
Average total assets$219,894,7502,684
Average earning assets$203,601,2502,691
Average equity$25,768,0002,660
Average total loans$142,608,7502,716
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5348%2,901
Cost of funding earning assets0.4830%4,193
Net interest margin4.0518%1,757
Noninterest income to average assets0.4655%2,874
Noninterest expense to average assets3.0229%1,945
Loan and lease loss provision to assets0.0326%3,183
Net operating income to assets0.9781%2,999
Return on assets (ROA)0.9859%3,043
Pretax return on assets1.1758%2,999
Return on Equity (ROE)8.3462%3,138
Retained earnings to average equity (ytd only)7.0931%1,763
Net charge-offs to loans0.0633%1,746
Credit loss provision to net charge-offs77.7778%2,247
Earnings coverage of net charge-offs (x)28.6222%1,508
Efficiency ratio70.9151%2,081
Assets per employee ($millions)3.4456%4,557
Cash dividends to net income (ytd only)*15.0142%3,171
Condition Ratios (%)
Loss allowance to loans1.2467%2,276
Loan loss allowance to noncurrent loans581.3505%891
Noncurrent assets plus other real estate owned to assets0.3644%3,075
Noncurrent loans to loans0.2144%3,774
Net loans and leases to total assets65.9781%3,110
Net loans and leases to deposits81.1376%2,828
Net loans and leases to core deposits83.3154%3,172
Total domestic deposits to total assets81.3163%3,718
Equity capital to assets12.0693%2,134
Core capital (leverage) ratio11.7835%1,958
Tier 1 risk-based capital ratio16.8300%2,135
Total risk-based capital ratio18.0119%2,100
Memoranda:
Average total assets$214,828,3302,735
Average earning assets$199,172,0002,747
Average equity$25,376,6702,682
Average total loans$142,193,6702,743
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4906%2,906
Cost of funding earning assets0.4299%4,361
Net interest margin4.0607%1,663
Noninterest income to average assets0.4567%2,815
Noninterest expense to average assets3.0490%1,852
Loan and lease loss provision to assets0.0281%3,049
Net operating income to assets0.9374%3,105
Return on assets (ROA)0.9527%3,082
Pretax return on assets1.1642%2,925
Return on Equity (ROE)8.1553%3,190
Retained earnings to average equity (ytd only)5.6077%2,635
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4982%2,113
Assets per employee ($millions)3.4980%4,564
Cash dividends to net income (ytd only)*31.2377%2,192
Condition Ratios (%)
Loss allowance to loans1.3064%2,063
Loan loss allowance to noncurrent loans547.1642%974
Noncurrent assets plus other real estate owned to assets0.4021%2,977
Noncurrent loans to loans0.2388%3,720
Net loans and leases to total assets64.8975%3,181
Net loans and leases to deposits77.3383%3,129
Net loans and leases to core deposits79.0058%3,451
Total domestic deposits to total assets83.9138%3,075
Equity capital to assets11.8491%2,118
Core capital (leverage) ratio11.7534%1,937
Tier 1 risk-based capital ratio16.8976%2,137
Total risk-based capital ratio18.1277%2,093
Memoranda:
Average total assets$213,706,5002,774
Average earning assets$198,193,5002,785
Average equity$24,965,5002,717
Average total loans$140,776,5002,792
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3441%2,948
Cost of funding earning assets0.3544%4,256
Net interest margin3.9897%2,017
Noninterest income to average assets0.4868%2,899
Noninterest expense to average assets3.0054%2,033
Loan and lease loss provision to assets-0.0701%5,229
Net operating income to assets1.0388%2,851
Return on assets (ROA)1.0388%2,835
Pretax return on assets1.2443%2,721
Return on Equity (ROE)9.1779%2,901
Retained earnings to average equity (ytd only)6.1874%2,099
Net charge-offs to loans-0.0719%5,072
Credit loss provision to net charge-offs144.1176%1,889
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1874%2,020
Assets per employee ($millions)3.3443%4,704
Cash dividends to net income (ytd only)*32.5838%2,915
Condition Ratios (%)
Loss allowance to loans1.2871%2,111
Loan loss allowance to noncurrent loans600.0000%936
Noncurrent assets plus other real estate owned to assets0.3892%3,003
Noncurrent loans to loans0.2145%3,813
Net loans and leases to total assets65.1412%3,239
Net loans and leases to deposits77.2256%3,253
Net loans and leases to core deposits78.5447%3,533
Total domestic deposits to total assets84.3518%2,889
Equity capital to assets11.5157%2,246
Core capital (leverage) ratio11.6750%1,974
Tier 1 risk-based capital ratio16.7294%2,159
Total risk-based capital ratio17.9550%2,117
Memoranda:
Average total assets$209,752,6002,769
Average earning assets$194,147,8002,776
Average equity$23,741,8002,748
Average total loans$141,960,4002,746
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2712%3,070
Cost of funding earning assets0.3384%4,257
Net interest margin3.9328%2,185
Noninterest income to average assets0.5015%2,854
Noninterest expense to average assets3.0374%1,908
Loan and lease loss provision to assets-0.0486%5,287
Net operating income to assets0.9660%3,234
Return on assets (ROA)0.9660%3,247
Pretax return on assets1.1513%3,187
Return on Equity (ROE)8.5729%3,303
Retained earnings to average equity (ytd only)5.2787%3,074
Net charge-offs to loans-0.1126%5,197
Credit loss provision to net charge-offs63.3333%2,711
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6543%1,787
Assets per employee ($millions)3.6231%4,404
Cash dividends to net income (ytd only)*38.4261%2,139
Condition Ratios (%)
Loss allowance to loans1.3428%1,908
Loan loss allowance to noncurrent loans447.6526%1,202
Noncurrent assets plus other real estate owned to assets0.3414%3,306
Noncurrent loans to loans0.3000%3,603
Net loans and leases to total assets62.3747%3,615
Net loans and leases to deposits73.0703%3,671
Net loans and leases to core deposits74.4886%3,912
Total domestic deposits to total assets85.3627%2,462
Equity capital to assets10.6495%2,987
Core capital (leverage) ratio10.8224%2,768
Tier 1 risk-based capital ratio16.3240%2,324
Total risk-based capital ratio17.5741%2,269
Memoranda:
Average total assets$208,681,2502,802
Average earning assets$193,072,5002,807
Average equity$23,515,2502,784
Average total loans$142,139,2502,759
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2910%2,793
Cost of funding earning assets0.3298%4,205
Net interest margin3.9613%1,996
Noninterest income to average assets0.4799%2,976
Noninterest expense to average assets3.1018%1,780
Loan and lease loss provision to assets0.0187%3,523
Net operating income to assets0.8635%3,614
Return on assets (ROA)0.8635%3,612
Pretax return on assets1.0218%3,597
Return on Equity (ROE)7.5108%3,720
Retained earnings to average equity (ytd only)3.1480%3,992
Net charge-offs to loans-0.0366%4,810
Credit loss provision to net charge-offs-73.0769%4,045
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1928%1,682
Assets per employee ($millions)3.1153%5,002
Cash dividends to net income (ytd only)*58.0866%1,392
Condition Ratios (%)
Loss allowance to loans1.2893%2,218
Loan loss allowance to noncurrent loans147.2222%2,805
Noncurrent assets plus other real estate owned to assets0.7962%1,883
Noncurrent loans to loans0.8758%1,979
Net loans and leases to total assets71.0446%2,429
Net loans and leases to deposits85.1150%2,421
Net loans and leases to core deposits87.0942%2,812
Total domestic deposits to total assets83.4689%3,259
Equity capital to assets11.4239%2,249
Core capital (leverage) ratio11.3912%2,165
Tier 1 risk-based capital ratio15.3005%2,729
Total risk-based capital ratio16.5332%2,668
Memoranda:
Average total assets$203,364,6702,871
Average earning assets$188,021,0002,878
Average equity$23,379,6702,808
Average total loans$142,179,0002,771
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2061%2,861
Cost of funding earning assets0.2823%4,491
Net interest margin3.9238%1,951
Noninterest income to average assets0.4608%3,052
Noninterest expense to average assets3.1309%1,740
Loan and lease loss provision to assets0.0455%2,855
Net operating income to assets0.7773%3,804
Return on assets (ROA)0.7773%3,802
Pretax return on assets0.9138%3,803
Return on Equity (ROE)6.7395%3,886
Retained earnings to average equity (ytd only)2.4180%4,204
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0155%1,593
Assets per employee ($millions)3.1003%5,088
Cash dividends to net income (ytd only)*64.1221%1,152
Condition Ratios (%)
Loss allowance to loans1.3282%2,109
Loan loss allowance to noncurrent loans728.1853%789
Noncurrent assets plus other real estate owned to assets0.3587%3,404
Noncurrent loans to loans0.1824%4,151
Net loans and leases to total assets68.4752%2,702
Net loans and leases to deposits83.3838%2,466
Net loans and leases to core deposits84.9990%2,893
Total domestic deposits to total assets82.1205%3,924
Equity capital to assets11.3689%2,245
Core capital (leverage) ratio11.5301%1,985
Tier 1 risk-based capital ratio15.5262%2,656
Total risk-based capital ratio16.7756%2,592
Memoranda:
Average total assets$202,240,5002,914
Average earning assets$187,062,5002,921
Average equity$23,325,0002,833
Average total loans$139,276,0002,820
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0840%3,108
Cost of funding earning assets0.2202%4,791
Net interest margin3.8639%2,211
Noninterest income to average assets0.5357%2,796
Noninterest expense to average assets2.9358%2,326
Loan and lease loss provision to assets-0.0260%5,344
Net operating income to assets0.7329%3,461
Return on assets (ROA)0.7338%3,499
Pretax return on assets1.1915%2,808
Return on Equity (ROE)6.2836%3,634
Retained earnings to average equity (ytd only)2.4843%3,842
Net charge-offs to loans-0.0290%5,059
Credit loss provision to net charge-offs126.8293%2,075
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6081%2,290
Assets per employee ($millions)3.1724%5,059
Cash dividends to net income (ytd only)*60.4635%1,731
Condition Ratios (%)
Loss allowance to loans1.3643%1,914
Loan loss allowance to noncurrent loans692.5651%850
Noncurrent assets plus other real estate owned to assets0.4013%3,257
Noncurrent loans to loans0.1970%4,126
Net loans and leases to total assets67.3913%2,901
Net loans and leases to deposits79.6943%2,950
Net loans and leases to core deposits81.1033%3,323
Total domestic deposits to total assets84.5623%3,013
Equity capital to assets11.7016%2,030
Core capital (leverage) ratio11.3651%2,048
Tier 1 risk-based capital ratio16.1478%2,379
Total risk-based capital ratio17.3985%2,322
Memoranda:
Average total assets$199,911,8002,923
Average earning assets$184,400,6002,919
Average equity$23,346,4002,817
Average total loans$141,242,4002,759
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0236%3,268
Cost of funding earning assets0.2155%4,844
Net interest margin3.8081%2,365
Noninterest income to average assets0.5802%2,582
Noninterest expense to average assets2.8270%2,639
Loan and lease loss provision to assets0.0567%2,955
Net operating income to assets0.8649%3,204
Return on assets (ROA)0.8663%3,245
Pretax return on assets1.2098%2,862
Return on Equity (ROE)7.4218%3,430
Retained earnings to average equity (ytd only)2.5482%4,363
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0954%2,692
Assets per employee ($millions)3.5773%4,611
Cash dividends to net income (ytd only)*65.6655%1,120
Condition Ratios (%)
Loss allowance to loans1.3835%1,959
Loan loss allowance to noncurrent loans583.0357%912
Noncurrent assets plus other real estate owned to assets0.4221%3,331
Noncurrent loans to loans0.2373%4,105
Net loans and leases to total assets65.0587%3,238
Net loans and leases to deposits76.1284%3,365
Net loans and leases to core deposits77.5933%3,672
Total domestic deposits to total assets85.4592%2,533
Equity capital to assets10.9976%2,869
Core capital (leverage) ratio11.7158%1,872
Tier 1 risk-based capital ratio15.6388%2,658
Total risk-based capital ratio16.8898%2,600
Memoranda:
Average total assets$199,924,5002,951
Average earning assets$184,339,7502,945
Average equity$23,336,2502,849
Average total loans$142,415,0002,766
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0711%2,934
Cost of funding earning assets0.2226%4,778
Net interest margin3.8485%2,103
Noninterest income to average assets0.5702%2,599
Noninterest expense to average assets2.8828%2,483
Loan and lease loss provision to assets0.0615%2,734
Net operating income to assets0.8389%3,202
Return on assets (ROA)0.8389%3,255
Pretax return on assets1.1712%2,890
Return on Equity (ROE)7.0376%3,532
Retained earnings to average equity (ytd only)3.0284%3,913
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0473%2,662
Assets per employee ($millions)3.2310%5,060
Cash dividends to net income (ytd only)*56.9682%1,609
Condition Ratios (%)
Loss allowance to loans1.3543%2,152
Loan loss allowance to noncurrent loans240.5473%1,896
Noncurrent assets plus other real estate owned to assets0.7928%2,222
Noncurrent loans to loans0.5630%3,051
Net loans and leases to total assets72.6678%2,097
Net loans and leases to deposits87.5825%2,037
Net loans and leases to core deposits89.5063%2,573
Total domestic deposits to total assets82.9706%3,579
Equity capital to assets12.1274%1,847
Core capital (leverage) ratio12.0080%1,629
Tier 1 risk-based capital ratio15.4856%2,711
Total risk-based capital ratio16.7359%2,645
Memoranda:
Average total assets$195,020,3303,006
Average earning assets$179,655,3303,006
Average equity$23,246,6702,855
Average total loans$142,687,0002,763
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0033%3,032
Cost of funding earning assets0.2240%4,766
Net interest margin3.7793%2,188
Noninterest income to average assets0.5992%2,421
Noninterest expense to average assets2.7791%2,868
Loan and lease loss provision to assets0.0613%2,582
Net operating income to assets0.8712%2,897
Return on assets (ROA)0.8712%2,951
Pretax return on assets1.2433%2,436
Return on Equity (ROE)7.3718%3,223
Retained earnings to average equity (ytd only)4.5339%3,159
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0521%3,187
Assets per employee ($millions)3.2157%5,146
Cash dividends to net income (ytd only)*38.4977%2,054
Condition Ratios (%)
Loss allowance to loans1.3341%2,369
Loan loss allowance to noncurrent loans360.6061%1,375
Noncurrent assets plus other real estate owned to assets0.6316%2,740
Noncurrent loans to loans0.3700%3,770
Net loans and leases to total assets71.7868%2,100
Net loans and leases to deposits84.2353%2,257
Net loans and leases to core deposits86.0109%2,707
Total domestic deposits to total assets85.2218%2,994
Equity capital to assets11.8648%1,931
Core capital (leverage) ratio11.7722%1,773
Tier 1 risk-based capital ratio15.4913%2,758
Total risk-based capital ratio16.7416%2,688
Memoranda:
Average total assets$195,601,0003,038
Average earning assets$180,351,5003,032
Average equity$23,115,0002,877
Average total loans$142,627,0002,777
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0205%3,122
Cost of funding earning assets0.2206%4,826
Net interest margin3.7999%2,318
Noninterest income to average assets0.5405%2,975
Noninterest expense to average assets2.8754%2,765
Loan and lease loss provision to assets0.0496%3,406
Net operating income to assets0.8184%3,217
Return on assets (ROA)0.8184%3,323
Pretax return on assets1.1124%3,055
Return on Equity (ROE)6.9937%3,468
Retained earnings to average equity (ytd only)4.0399%3,042
Net charge-offs to loans-0.0887%5,551
Credit loss provision to net charge-offs-78.0488%4,859
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2183%2,706
Assets per employee ($millions)3.2507%5,097
Cash dividends to net income (ytd only)*42.2348%2,761
Condition Ratios (%)
Loss allowance to loans1.3148%2,462
Loan loss allowance to noncurrent loans359.6929%1,394
Noncurrent assets plus other real estate owned to assets0.7537%2,478
Noncurrent loans to loans0.3655%3,812
Net loans and leases to total assets72.1173%2,152
Net loans and leases to deposits86.3034%2,132
Net loans and leases to core deposits88.1770%2,650
Total domestic deposits to total assets83.5625%3,580
Equity capital to assets11.7698%1,955
Core capital (leverage) ratio11.4674%1,957
Tier 1 risk-based capital ratio15.5297%2,740
Total risk-based capital ratio16.7799%2,668
Memoranda:
Average total assets$193,540,8003,029
Average earning assets$178,111,6003,033
Average equity$22,648,8002,926
Average total loans$138,734,6002,796
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0027%3,224
Cost of funding earning assets0.2182%4,895
Net interest margin3.7845%2,390
Noninterest income to average assets0.5474%2,930
Noninterest expense to average assets2.8928%2,661
Loan and lease loss provision to assets0.0759%2,703
Net operating income to assets0.8159%3,294
Return on assets (ROA)0.8159%3,430
Pretax return on assets1.0623%3,385
Return on Equity (ROE)6.9819%3,566
Retained earnings to average equity (ytd only)3.7922%3,615
Net charge-offs to loans-0.1161%5,628
Credit loss provision to net charge-offs-91.6667%4,746
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7637%2,610
Assets per employee ($millions)3.7495%4,390
Cash dividends to net income (ytd only)*45.6852%2,095
Condition Ratios (%)
Loss allowance to loans1.3444%2,466
Loan loss allowance to noncurrent loans255.0744%1,856
Noncurrent assets plus other real estate owned to assets0.8568%2,415
Noncurrent loans to loans0.5271%3,414
Net loans and leases to total assets67.0769%2,939
Net loans and leases to deposits78.7086%3,112
Net loans and leases to core deposits80.0431%3,439
Total domestic deposits to total assets85.2218%2,708
Equity capital to assets11.1476%2,861
Core capital (leverage) ratio11.8245%1,797
Tier 1 risk-based capital ratio15.3787%2,878
Total risk-based capital ratio16.6290%2,812
Memoranda:
Average total assets$193,165,5003,038
Average earning assets$177,809,5003,044
Average equity$22,572,0002,959
Average total loans$137,785,0002,814
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0609%3,022
Cost of funding earning assets0.2211%4,926
Net interest margin3.8399%2,171
Noninterest income to average assets0.4650%3,430
Noninterest expense to average assets2.8949%2,692
Loan and lease loss provision to assets0.0879%2,387
Net operating income to assets0.7605%3,502
Return on assets (ROA)0.7605%3,642
Pretax return on assets1.0148%3,531
Return on Equity (ROE)6.4013%3,852
Retained earnings to average equity (ytd only)2.6211%4,231
Net charge-offs to loans-0.2117%5,822
Credit loss provision to net charge-offs-57.2414%4,540
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4165%2,593
Assets per employee ($millions)3.0547%5,367
Cash dividends to net income (ytd only)*59.0529%1,566
Condition Ratios (%)
Loss allowance to loans1.3610%2,482
Loan loss allowance to noncurrent loans206.0175%2,223
Noncurrent assets plus other real estate owned to assets1.1119%1,902
Noncurrent loans to loans0.6606%3,090
Net loans and leases to total assets74.4577%1,736
Net loans and leases to deposits89.8076%1,778
Net loans and leases to core deposits91.9033%2,362
Total domestic deposits to total assets82.9079%3,688
Equity capital to assets12.3726%1,852
Core capital (leverage) ratio12.1476%1,544
Tier 1 risk-based capital ratio15.2433%2,965
Total risk-based capital ratio16.4937%2,904
Memoranda:
Average total assets$188,813,0003,101
Average earning assets$173,703,3303,099
Average equity$22,433,0002,978
Average total loans$136,975,6702,836
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9706%3,329
Cost of funding earning assets0.2178%5,028
Net interest margin3.7528%2,469
Noninterest income to average assets0.5074%3,068
Noninterest expense to average assets2.8855%2,752
Loan and lease loss provision to assets0.1148%1,823
Net operating income to assets0.7099%3,663
Return on assets (ROA)0.7099%3,784
Pretax return on assets0.9604%3,620
Return on Equity (ROE)6.0956%3,936
Retained earnings to average equity (ytd only)2.2769%4,348
Net charge-offs to loans-0.1585%5,786
Credit loss provision to net charge-offs-101.8519%4,242
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8519%2,669
Assets per employee ($millions)3.3067%5,117
Cash dividends to net income (ytd only)*62.6471%1,373
Condition Ratios (%)
Loss allowance to loans1.2909%2,962
Loan loss allowance to noncurrent loans238.7009%1,945
Noncurrent assets plus other real estate owned to assets1.2234%1,783
Noncurrent loans to loans0.5408%3,566
Net loans and leases to total assets71.5615%2,106
Net loans and leases to deposits84.6983%2,225
Net loans and leases to core deposits86.5794%2,698
Total domestic deposits to total assets84.4899%3,317
Equity capital to assets11.8981%2,091
Core capital (leverage) ratio11.6169%1,895
Tier 1 risk-based capital ratio15.3298%3,003
Total risk-based capital ratio16.5511%2,958
Memoranda:
Average total assets$191,577,5003,080
Average earning assets$176,295,0003,091
Average equity$22,311,0002,989
Average total loans$136,287,5002,849
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8887%3,745
Cost of funding earning assets0.2142%5,147
Net interest margin3.6745%2,854
Noninterest income to average assets0.5339%3,117
Noninterest expense to average assets2.8439%3,057
Loan and lease loss provision to assets0.2186%944
Net operating income to assets0.6388%4,094
Return on assets (ROA)0.6388%4,179
Pretax return on assets0.8435%4,048
Return on Equity (ROE)5.5917%4,237
Retained earnings to average equity (ytd only)1.8191%4,691
Net charge-offs to loans0.4993%533
Credit loss provision to net charge-offs63.9222%3,214
Earnings coverage of net charge-offs (x)3.1063%3,774
Efficiency ratio72.8083%2,772
Assets per employee ($millions)3.6035%4,636
Cash dividends to net income (ytd only)*67.4679%1,365
Condition Ratios (%)
Loss allowance to loans1.2175%3,375
Loan loss allowance to noncurrent loans211.0969%2,169
Noncurrent assets plus other real estate owned to assets1.4353%1,448
Noncurrent loans to loans0.5768%3,442
Net loans and leases to total assets69.0039%2,544
Net loans and leases to deposits84.5065%2,305
Net loans and leases to core deposits86.5318%2,754
Total domestic deposits to total assets81.6552%4,280
Equity capital to assets11.4971%2,365
Core capital (leverage) ratio11.1322%2,279
Tier 1 risk-based capital ratio15.3634%3,009
Total risk-based capital ratio16.5092%2,989
Memoranda:
Average total assets$195,368,4002,989
Average earning assets$179,288,8003,008
Average equity$22,318,8002,935
Average total loans$133,790,8002,824
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8728%3,843
Cost of funding earning assets0.2148%5,235
Net interest margin3.6579%2,928
Noninterest income to average assets0.6388%2,532
Noninterest expense to average assets2.8635%2,963
Loan and lease loss provision to assets0.2727%591
Net operating income to assets0.6545%4,107
Return on assets (ROA)0.6545%4,220
Pretax return on assets0.8577%4,145
Return on Equity (ROE)5.7384%4,279
Retained earnings to average equity (ytd only)1.8709%4,945
Net charge-offs to loans0.6624%332
Credit loss provision to net charge-offs60.4230%2,903
Earnings coverage of net charge-offs (x)2.5045%3,661
Efficiency ratio71.6968%2,929
Assets per employee ($millions)3.7436%4,369
Cash dividends to net income (ytd only)*67.3961%1,125
Condition Ratios (%)
Loss allowance to loans1.2305%3,480
Loan loss allowance to noncurrent loans176.0776%2,507
Noncurrent assets plus other real estate owned to assets1.5105%1,488
Noncurrent loans to loans0.6988%3,232
Net loans and leases to total assets63.7008%3,351
Net loans and leases to deposits75.4723%3,374
Net loans and leases to core deposits77.1205%3,682
Total domestic deposits to total assets84.4029%3,257
Equity capital to assets10.9103%3,118
Core capital (leverage) ratio11.3797%2,128
Tier 1 risk-based capital ratio15.6344%2,982
Total risk-based capital ratio16.7818%2,958
Memoranda:
Average total assets$195,563,2503,015
Average earning assets$179,367,5003,030
Average equity$22,305,5002,953
Average total loans$133,256,2502,849
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9607%3,447
Cost of funding earning assets0.2294%5,154
Net interest margin3.7313%2,574
Noninterest income to average assets0.6007%2,736
Noninterest expense to average assets2.8680%3,007
Loan and lease loss provision to assets0.3300%419
Net operating income to assets0.6329%4,206
Return on assets (ROA)0.6329%4,317
Pretax return on assets0.8224%4,241
Return on Equity (ROE)5.4645%4,392
Retained earnings to average equity (ytd only)-0.3415%5,577
Net charge-offs to loans0.9924%210
Credit loss provision to net charge-offs47.8852%2,726
Earnings coverage of net charge-offs (x)1.6722%3,472
Efficiency ratio71.3361%3,103
Assets per employee ($millions)3.3845%5,011
Cash dividends to net income (ytd only)*106.2500%445
Condition Ratios (%)
Loss allowance to loans1.1667%3,991
Loan loss allowance to noncurrent loans176.4505%2,455
Noncurrent assets plus other real estate owned to assets1.8142%1,267
Noncurrent loans to loans0.6612%3,498
Net loans and leases to total assets70.5856%2,225
Net loans and leases to deposits84.6288%2,234
Net loans and leases to core deposits86.7109%2,684
Total domestic deposits to total assets83.4061%3,788
Equity capital to assets11.8643%2,129
Core capital (leverage) ratio11.6224%1,906
Tier 1 risk-based capital ratio15.7352%2,984
Total risk-based capital ratio16.8489%2,997
Memoranda:
Average total assets$192,118,6703,075
Average earning assets$176,080,0003,085
Average equity$22,252,6702,976
Average total loans$133,411,0002,850
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8647%3,766
Cost of funding earning assets0.2386%5,138
Net interest margin3.6261%2,904
Noninterest income to average assets0.5802%2,774
Noninterest expense to average assets2.9072%2,883
Loan and lease loss provision to assets0.2091%859
Net operating income to assets0.5966%4,306
Return on assets (ROA)0.5966%4,403
Pretax return on assets0.7975%4,252
Return on Equity (ROE)5.2112%4,428
Retained earnings to average equity (ytd only)4.8530%3,142
Net charge-offs to loans0.7692%303
Credit loss provision to net charge-offs39.6887%2,188
Earnings coverage of net charge-offs (x)1.9105%2,851
Efficiency ratio74.2797%2,773
Assets per employee ($millions)3.3784%5,116
Cash dividends to net income (ytd only)*6.8729%2,769
Condition Ratios (%)
Loss allowance to loans1.3130%3,329
Loan loss allowance to noncurrent loans104.9427%3,572
Noncurrent assets plus other real estate owned to assets2.3343%946
Noncurrent loans to loans1.2512%2,286
Net loans and leases to total assets67.9535%2,445
Net loans and leases to deposits82.6502%2,252
Net loans and leases to core deposits84.6400%2,699
Total domestic deposits to total assets82.2181%4,451
Equity capital to assets11.6759%2,318
Core capital (leverage) ratio11.1966%2,233
Tier 1 risk-based capital ratio15.7390%3,042
Total risk-based capital ratio16.9722%2,988
Memoranda:
Average total assets$195,104,5003,057
Average earning assets$179,365,5003,074
Average equity$22,336,5002,988
Average total loans$133,644,5002,854
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9228%4,047
Cost of funding earning assets0.2734%5,061
Net interest margin3.6494%3,220
Noninterest income to average assets0.7306%2,162
Noninterest expense to average assets2.8284%3,386
Loan and lease loss provision to assets0.2577%871
Net operating income to assets0.7415%3,669
Return on assets (ROA)0.7415%3,774
Pretax return on assets0.9872%3,554
Return on Equity (ROE)6.5146%3,890
Retained earnings to average equity (ytd only)1.6355%4,999
Net charge-offs to loans0.4704%886
Credit loss provision to net charge-offs80.0322%2,863
Earnings coverage of net charge-offs (x)3.8663%3,794
Efficiency ratio69.4374%3,637
Assets per employee ($millions)3.5293%4,851
Cash dividends to net income (ytd only)*74.8951%1,101
Condition Ratios (%)
Loss allowance to loans1.4077%2,916
Loan loss allowance to noncurrent loans62.3479%4,738
Noncurrent assets plus other real estate owned to assets2.5480%895
Noncurrent loans to loans2.2577%1,162
Net loans and leases to total assets67.1902%2,697
Net loans and leases to deposits83.2948%2,297
Net loans and leases to core deposits85.2825%2,754
Total domestic deposits to total assets80.6655%4,839
Equity capital to assets11.2269%2,672
Core capital (leverage) ratio10.8273%2,584
Tier 1 risk-based capital ratio15.5694%3,200
Total risk-based capital ratio16.8206%3,126
Memoranda:
Average total assets$192,864,0003,070
Average earning assets$176,659,8003,083
Average equity$21,950,8002,953
Average total loans$132,017,0002,828
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9372%4,024
Cost of funding earning assets0.2793%5,103
Net interest margin3.6579%3,195
Noninterest income to average assets0.8299%1,778
Noninterest expense to average assets2.7985%3,465
Loan and lease loss provision to assets0.2309%958
Net operating income to assets0.8709%3,066
Return on assets (ROA)0.8709%3,162
Pretax return on assets1.1443%3,014
Return on Equity (ROE)7.6254%3,389
Retained earnings to average equity (ytd only)3.3254%4,253
Net charge-offs to loans0.6040%613
Credit loss provision to net charge-offs55.7983%3,014
Earnings coverage of net charge-offs (x)3.3227%3,686
Efficiency ratio67.0500%4,035
Assets per employee ($millions)3.6771%4,528
Cash dividends to net income (ytd only)*56.3898%1,539
Condition Ratios (%)
Loss allowance to loans1.2860%3,717
Loan loss allowance to noncurrent loans70.9040%4,454
Noncurrent assets plus other real estate owned to assets2.2820%1,199
Noncurrent loans to loans1.8138%1,776
Net loans and leases to total assets65.4929%2,951
Net loans and leases to deposits78.7972%2,864
Net loans and leases to core deposits80.6713%3,229
Total domestic deposits to total assets83.1158%4,094
Equity capital to assets10.8328%3,146
Core capital (leverage) ratio11.3739%2,156
Tier 1 risk-based capital ratio14.0316%4,188
Total risk-based capital ratio15.1453%4,234
Memoranda:
Average total assets$191,669,5003,109
Average earning assets$175,213,7503,124
Average equity$21,891,2502,961
Average total loans$131,348,2502,846
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9842%3,792
Cost of funding earning assets0.2919%5,051
Net interest margin3.6924%2,993
Noninterest income to average assets0.7287%2,150
Noninterest expense to average assets2.7916%3,540
Loan and lease loss provision to assets0.2589%823
Net operating income to assets0.7704%3,463
Return on assets (ROA)0.7704%3,567
Pretax return on assets1.0486%3,287
Return on Equity (ROE)6.6199%3,822
Retained earnings to average equity (ytd only)1.7469%5,025
Net charge-offs to loans0.5865%688
Credit loss provision to net charge-offs63.6842%2,585
Earnings coverage of net charge-offs (x)3.2158%3,363
Efficiency ratio68.1023%3,991
Assets per employee ($millions)3.1552%5,498
Cash dividends to net income (ytd only)*73.6111%1,073
Condition Ratios (%)
Loss allowance to loans1.3941%3,384
Loan loss allowance to noncurrent loans59.7081%4,826
Noncurrent assets plus other real estate owned to assets2.9040%889
Noncurrent loans to loans2.3349%1,379
Net loans and leases to total assets71.5062%1,828
Net loans and leases to deposits88.2133%1,572
Net loans and leases to core deposits90.4435%2,083
Total domestic deposits to total assets81.0605%4,959
Equity capital to assets11.8003%2,153
Core capital (leverage) ratio11.7686%1,811
Tier 1 risk-based capital ratio15.3967%3,414
Total risk-based capital ratio16.6478%3,355
Memoranda:
Average total assets$186,919,3303,183
Average earning assets$170,622,0003,194
Average equity$21,752,6702,977
Average total loans$129,591,0002,875
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8552%4,271
Cost of funding earning assets0.3014%5,049
Net interest margin3.5538%3,467
Noninterest income to average assets0.6450%2,487
Noninterest expense to average assets2.8233%3,475
Loan and lease loss provision to assets0.1922%1,230
Net operating income to assets0.6364%4,017
Return on assets (ROA)0.6364%4,106
Pretax return on assets0.8777%3,794
Return on Equity (ROE)5.5069%4,274
Retained earnings to average equity (ytd only)-0.6098%5,665
Net charge-offs to loans0.1261%1,961
Credit loss provision to net charge-offs225.0000%960
Earnings coverage of net charge-offs (x)12.5250%1,714
Efficiency ratio72.5178%3,396
Assets per employee ($millions)3.2892%5,362
Cash dividends to net income (ytd only)*111.0738%578
Condition Ratios (%)
Loss allowance to loans1.6139%2,633
Loan loss allowance to noncurrent loans53.0090%5,076
Noncurrent assets plus other real estate owned to assets3.3021%807
Noncurrent loans to loans3.0446%1,036
Net loans and leases to total assets67.3058%2,336
Net loans and leases to deposits80.5877%2,216
Net loans and leases to core deposits82.5455%2,685
Total domestic deposits to total assets83.5188%4,445
Equity capital to assets11.5715%2,185
Core capital (leverage) ratio11.4638%1,989
Tier 1 risk-based capital ratio15.6873%3,343
Total risk-based capital ratio16.9402%3,304
Memoranda:
Average total assets$187,301,0003,201
Average earning assets$171,196,0003,207
Average equity$21,645,5002,981
Average total loans$126,889,0002,927
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0512%3,918
Cost of funding earning assets0.3369%5,270
Net interest margin3.7143%3,001
Noninterest income to average assets0.4793%3,890
Noninterest expense to average assets2.8935%3,392
Loan and lease loss provision to assets0.4328%678
Net operating income to assets0.3633%5,283
Return on assets (ROA)0.3695%5,377
Pretax return on assets0.5373%5,082
Return on Equity (ROE)3.0656%5,477
Retained earnings to average equity (ytd only)-5.7545%6,405
Net charge-offs to loans0.6821%953
Credit loss provision to net charge-offs93.8215%2,656
Earnings coverage of net charge-offs (x)2.0835%4,349
Efficiency ratio75.0650%2,934
Assets per employee ($millions)3.4021%5,083
Cash dividends to net income (ytd only)*287.7143%38
Condition Ratios (%)
Loss allowance to loans1.6093%2,721
Loan loss allowance to noncurrent loans48.7334%5,306
Noncurrent assets plus other real estate owned to assets3.2226%949
Noncurrent loans to loans3.3023%991
Net loans and leases to total assets66.0013%2,689
Net loans and leases to deposits79.3706%2,541
Net loans and leases to core deposits81.4084%2,964
Total domestic deposits to total assets83.1559%4,491
Equity capital to assets11.5415%2,134
Core capital (leverage) ratio11.0785%2,317
Tier 1 risk-based capital ratio16.1457%3,038
Total risk-based capital ratio17.3392%3,014
Memoranda:
Average total assets$189,457,6003,170
Average earning assets$172,172,0003,190
Average equity$22,834,4002,843
Average total loans$128,139,4002,889
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0956%3,778
Cost of funding earning assets0.3419%5,367
Net interest margin3.7537%2,832
Noninterest income to average assets0.6805%2,731
Noninterest expense to average assets2.8596%3,446
Loan and lease loss provision to assets0.2456%1,458
Net operating income to assets0.7181%3,764
Return on assets (ROA)0.7268%3,845
Pretax return on assets0.9920%3,534
Return on Equity (ROE)5.9683%4,208
Retained earnings to average equity (ytd only)-0.2535%5,991
Net charge-offs to loans0.3354%1,872
Credit loss provision to net charge-offs108.0247%2,171
Earnings coverage of net charge-offs (x)5.3920%3,204
Efficiency ratio69.9983%3,761
Assets per employee ($millions)3.2502%5,384
Cash dividends to net income (ytd only)*104.2467%362
Condition Ratios (%)
Loss allowance to loans1.6587%2,768
Loan loss allowance to noncurrent loans45.6919%5,417
Noncurrent assets plus other real estate owned to assets3.2802%1,076
Noncurrent loans to loans3.6301%1,023
Net loans and leases to total assets61.7861%3,401
Net loans and leases to deposits74.6449%3,135
Net loans and leases to core deposits76.4344%3,573
Total domestic deposits to total assets82.7733%4,658
Equity capital to assets11.3561%2,422
Core capital (leverage) ratio11.9194%1,720
Tier 1 risk-based capital ratio17.4655%2,518
Total risk-based capital ratio18.7198%2,487
Memoranda:
Average total assets$190,043,0003,180
Average earning assets$172,375,5003,215
Average equity$23,144,0002,834
Average total loans$128,794,5002,902
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2753%3,055
Cost of funding earning assets0.3546%5,355
Net interest margin3.9207%2,145
Noninterest income to average assets0.7733%2,308
Noninterest expense to average assets2.9685%3,098
Loan and lease loss provision to assets0.2685%1,378
Net operating income to assets0.7943%3,325
Return on assets (ROA)0.8076%3,401
Pretax return on assets1.1051%3,080
Return on Equity (ROE)6.4742%3,893
Retained earnings to average equity (ytd only)-0.9040%6,033
Net charge-offs to loans0.4941%1,323
Credit loss provision to net charge-offs78.1250%2,665
Earnings coverage of net charge-offs (x)3.9438%3,259
Efficiency ratio68.6538%4,069
Assets per employee ($millions)3.1604%5,562
Cash dividends to net income (ytd only)*113.9628%395
Condition Ratios (%)
Loss allowance to loans1.5713%3,262
Loan loss allowance to noncurrent loans59.5542%4,812
Noncurrent assets plus other real estate owned to assets3.3289%1,177
Noncurrent loans to loans2.6384%1,736
Net loans and leases to total assets68.4857%2,151
Net loans and leases to deposits83.5727%1,858
Net loans and leases to core deposits85.6160%2,371
Total domestic deposits to total assets81.9475%5,077
Equity capital to assets12.5355%1,554
Core capital (leverage) ratio12.3614%1,428
Tier 1 risk-based capital ratio17.6271%2,465
Total risk-based capital ratio18.8809%2,430
Memoranda:
Average total assets$186,219,6703,252
Average earning assets$168,644,0003,272
Average equity$23,230,6702,841
Average total loans$129,523,6702,886
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2153%3,236
Cost of funding earning assets0.3608%5,442
Net interest margin3.8544%2,264
Noninterest income to average assets0.8099%2,088
Noninterest expense to average assets2.9433%3,182
Loan and lease loss provision to assets0.3197%1,055
Net operating income to assets0.7822%3,263
Return on assets (ROA)0.7822%3,401
Pretax return on assets1.0529%3,135
Return on Equity (ROE)6.2851%3,893
Retained earnings to average equity (ytd only)-1.5755%6,033
Net charge-offs to loans0.9501%647
Credit loss provision to net charge-offs48.3871%2,623
Earnings coverage of net charge-offs (x)2.0774%3,141
Efficiency ratio68.1975%4,272
Assets per employee ($millions)3.0389%5,911
Cash dividends to net income (ytd only)*125.0681%469
Condition Ratios (%)
Loss allowance to loans1.4653%3,952
Loan loss allowance to noncurrent loans38.4646%5,675
Noncurrent assets plus other real estate owned to assets4.2688%892
Noncurrent loans to loans3.8093%1,210
Net loans and leases to total assets68.3141%1,955
Net loans and leases to deposits84.0042%1,596
Net loans and leases to core deposits86.5273%2,057
Total domestic deposits to total assets81.3223%5,410
Equity capital to assets12.3538%1,805
Core capital (leverage) ratio12.1305%1,498
Tier 1 risk-based capital ratio17.2154%2,674
Total risk-based capital ratio18.4679%2,640
Memoranda:
Average total assets$187,677,5003,257
Average earning assets$170,712,0003,273
Average equity$23,357,0002,870
Average total loans$130,515,0002,885
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7427%2,419
Cost of funding earning assets0.4641%5,462
Net interest margin4.2787%1,448
Noninterest income to average assets0.8314%2,118
Noninterest expense to average assets3.2372%2,498
Loan and lease loss provision to assets0.3706%1,766
Net operating income to assets0.8505%3,038
Return on assets (ROA)0.8513%3,286
Pretax return on assets1.1371%3,027
Return on Equity (ROE)6.9745%3,652
Retained earnings to average equity (ytd only)5.7644%2,214
Net charge-offs to loans0.3628%2,819
Credit loss provision to net charge-offs144.9580%1,885
Earnings coverage of net charge-offs (x)5.8929%2,923
Efficiency ratio66.0892%4,486
Assets per employee ($millions)3.0152%5,990
Cash dividends to net income (ytd only)*17.3502%3,846
Condition Ratios (%)
Loss allowance to loans1.5904%3,366
Loan loss allowance to noncurrent loans86.5609%3,714
Noncurrent assets plus other real estate owned to assets2.9410%1,615
Noncurrent loans to loans1.8374%2,871
Net loans and leases to total assets68.6466%2,079
Net loans and leases to deposits85.1181%1,621
Net loans and leases to core deposits87.3302%2,160
Total domestic deposits to total assets80.6486%5,497
Equity capital to assets12.5375%1,680
Core capital (leverage) ratio11.8772%1,630
Tier 1 risk-based capital ratio17.2458%2,541
Total risk-based capital ratio18.4993%2,518
Memoranda:
Average total assets$186,181,8003,218
Average earning assets$170,239,6003,224
Average equity$22,725,8002,880
Average total loans$131,212,6002,861
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7477%2,589
Cost of funding earning assets0.4817%5,558
Net interest margin4.2660%1,562
Noninterest income to average assets0.8222%2,149
Noninterest expense to average assets3.2359%2,463
Loan and lease loss provision to assets0.2760%2,370
Net operating income to assets0.8782%3,088
Return on assets (ROA)0.8782%3,329
Pretax return on assets1.2151%2,935
Return on Equity (ROE)7.2437%3,670
Retained earnings to average equity (ytd only)6.5046%2,377
Net charge-offs to loans0.0954%4,429
Credit loss provision to net charge-offs409.5745%658
Earnings coverage of net charge-offs (x)22.1277%1,363
Efficiency ratio66.5453%4,342
Assets per employee ($millions)3.5084%4,965
Cash dividends to net income (ytd only)*10.2039%3,420
Condition Ratios (%)
Loss allowance to loans1.6351%3,389
Loan loss allowance to noncurrent loans48.8087%5,189
Noncurrent assets plus other real estate owned to assets3.2376%1,581
Noncurrent loans to loans3.3501%1,638
Net loans and leases to total assets63.5906%3,097
Net loans and leases to deposits78.2272%2,630
Net loans and leases to core deposits80.2662%3,172
Total domestic deposits to total assets81.2896%5,272
Equity capital to assets11.4003%2,849
Core capital (leverage) ratio11.9471%1,683
Tier 1 risk-based capital ratio16.6950%2,900
Total risk-based capital ratio17.8749%2,899
Memoranda:
Average total assets$185,991,5003,259
Average earning assets$170,241,0003,262
Average equity$22,547,7502,931
Average total loans$131,414,7502,891
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9081%2,076
Cost of funding earning assets0.5218%5,474
Net interest margin4.3863%1,240
Noninterest income to average assets0.9181%1,721
Noninterest expense to average assets3.2604%2,412
Loan and lease loss provision to assets0.3663%1,793
Net operating income to assets0.9347%2,742
Return on assets (ROA)0.9347%3,003
Pretax return on assets1.2944%2,576
Return on Equity (ROE)7.5411%3,482
Retained earnings to average equity (ytd only)6.4216%2,427
Net charge-offs to loans0.1264%3,921
Credit loss provision to net charge-offs397.5904%744
Earnings coverage of net charge-offs (x)18.0241%1,505
Efficiency ratio64.3131%4,837
Assets per employee ($millions)2.8755%6,275
Cash dividends to net income (ytd only)*14.8456%3,159
Condition Ratios (%)
Loss allowance to loans1.6089%3,576
Loan loss allowance to noncurrent loans51.1036%5,056
Noncurrent assets plus other real estate owned to assets3.6235%1,451
Noncurrent loans to loans3.1483%1,858
Net loans and leases to total assets72.2762%1,518
Net loans and leases to deposits89.6139%1,183
Net loans and leases to core deposits92.0471%1,774
Total domestic deposits to total assets80.6529%5,572
Equity capital to assets12.7849%1,638
Core capital (leverage) ratio12.5295%1,339
Tier 1 risk-based capital ratio16.6163%2,854
Total risk-based capital ratio17.8703%2,806
Memoranda:
Average total assets$180,160,0003,354
Average earning assets$164,422,3303,358
Average equity$22,331,0002,944
Average total loans$131,370,0002,904
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8645%2,374
Cost of funding earning assets0.5370%5,570
Net interest margin4.3275%1,386
Noninterest income to average assets0.9365%1,610
Noninterest expense to average assets3.3020%2,282
Loan and lease loss provision to assets0.3644%1,732
Net operating income to assets0.8879%2,983
Return on assets (ROA)0.8879%3,203
Pretax return on assets1.2214%2,828
Return on Equity (ROE)7.2760%3,617
Retained earnings to average equity (ytd only)5.0136%3,549
Net charge-offs to loans0.1854%2,993
Credit loss provision to net charge-offs270.4918%1,078
Earnings coverage of net charge-offs (x)11.7705%1,649
Efficiency ratio65.5671%4,641
Assets per employee ($millions)3.0736%6,012
Cash dividends to net income (ytd only)*31.0945%2,054
Condition Ratios (%)
Loss allowance to loans1.5029%4,142
Loan loss allowance to noncurrent loans50.5794%5,037
Noncurrent assets plus other real estate owned to assets3.5661%1,605
Noncurrent loans to loans2.9714%2,170
Net loans and leases to total assets70.9774%1,579
Net loans and leases to deposits87.0495%1,283
Net loans and leases to core deposits89.3407%1,917
Total domestic deposits to total assets81.5368%5,452
Equity capital to assets12.2738%1,868
Core capital (leverage) ratio12.0115%1,578
Tier 1 risk-based capital ratio17.0601%2,661
Total risk-based capital ratio18.3134%2,622
Memoranda:
Average total assets$181,100,0003,361
Average earning assets$165,360,5003,359
Average equity$22,100,0002,970
Average total loans$131,574,5002,917
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9367%3,173
Cost of funding earning assets0.6520%5,813
Net interest margin4.2847%1,753
Noninterest income to average assets0.8454%1,864
Noninterest expense to average assets3.0683%3,318
Loan and lease loss provision to assets0.4720%2,241
Net operating income to assets0.9167%2,537
Return on assets (ROA)0.9167%2,654
Pretax return on assets1.2306%2,349
Return on Equity (ROE)7.9650%2,923
Retained earnings to average equity (ytd only)2.0064%4,790
Net charge-offs to loans0.9671%1,783
Credit loss provision to net charge-offs67.0472%4,962
Earnings coverage of net charge-offs (x)2.4186%4,004
Efficiency ratio62.8186%5,327
Assets per employee ($millions)3.0143%6,055
Cash dividends to net income (ytd only)*74.8101%964
Condition Ratios (%)
Loss allowance to loans1.4041%4,435
Loan loss allowance to noncurrent loans64.5833%4,279
Noncurrent assets plus other real estate owned to assets2.8559%2,117
Noncurrent loans to loans2.1741%2,979
Net loans and leases to total assets72.2186%1,609
Net loans and leases to deposits90.0114%1,158
Net loans and leases to core deposits92.4202%1,852
Total domestic deposits to total assets80.2328%5,677
Equity capital to assets12.1324%2,027
Core capital (leverage) ratio11.5893%1,826
Tier 1 risk-based capital ratio16.7597%2,713
Total risk-based capital ratio18.0123%2,676
Memoranda:
Average total assets$186,650,4003,242
Average earning assets$171,004,4003,225
Average equity$21,481,4002,953
Average total loans$135,867,8002,882
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8906%3,606
Cost of funding earning assets0.6787%5,888
Net interest margin4.2119%2,049
Noninterest income to average assets0.8492%1,839
Noninterest expense to average assets3.0423%3,387
Loan and lease loss provision to assets0.5004%1,982
Net operating income to assets0.8740%2,844
Return on assets (ROA)0.8740%2,993
Pretax return on assets1.1689%2,747
Return on Equity (ROE)7.6942%3,180
Retained earnings to average equity (ytd only)1.2668%5,502
Net charge-offs to loans1.2132%1,289
Credit loss provision to net charge-offs56.7524%4,879
Earnings coverage of net charge-offs (x)1.8931%4,245
Efficiency ratio63.2616%5,187
Assets per employee ($millions)3.2967%5,487
Cash dividends to net income (ytd only)*83.5361%542
Condition Ratios (%)
Loss allowance to loans1.3202%4,918
Loan loss allowance to noncurrent loans47.0636%5,188
Noncurrent assets plus other real estate owned to assets2.8899%2,240
Noncurrent loans to loans2.8052%2,477
Net loans and leases to total assets67.4415%2,587
Net loans and leases to deposits81.7363%2,410
Net loans and leases to core deposits83.5373%3,123
Total domestic deposits to total assets82.5110%4,874
Equity capital to assets11.1570%2,997
Core capital (leverage) ratio11.0737%2,330
Tier 1 risk-based capital ratio16.8118%2,716
Total risk-based capital ratio18.0635%2,688
Memoranda:
Average total assets$188,099,2503,226
Average earning assets$172,491,5003,210
Average equity$21,366,2502,960
Average total loans$136,717,0002,892
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9269%3,502
Cost of funding earning assets0.7316%5,770
Net interest margin4.1953%2,056
Noninterest income to average assets0.8335%1,875
Noninterest expense to average assets3.0501%3,432
Loan and lease loss provision to assets0.3624%2,619
Net operating income to assets0.9464%2,451
Return on assets (ROA)0.9464%2,544
Pretax return on assets1.2755%2,223
Return on Equity (ROE)8.2805%2,816
Retained earnings to average equity (ytd only)0.9410%5,493
Net charge-offs to loans1.6350%889
Credit loss provision to net charge-offs29.8759%4,993
Earnings coverage of net charge-offs (x)1.3502%4,273
Efficiency ratio63.7990%5,280
Assets per employee ($millions)3.0212%6,037
Cash dividends to net income (ytd only)*88.6364%623
Condition Ratios (%)
Loss allowance to loans1.1308%5,825
Loan loss allowance to noncurrent loans38.7613%5,730
Noncurrent assets plus other real estate owned to assets3.2063%2,090
Noncurrent loans to loans2.9172%2,503
Net loans and leases to total assets72.4499%1,698
Net loans and leases to deposits89.7504%1,304
Net loans and leases to core deposits92.2469%2,096
Total domestic deposits to total assets80.7238%5,616
Equity capital to assets11.8525%2,208
Core capital (leverage) ratio11.4854%1,918
Tier 1 risk-based capital ratio15.6317%3,164
Total risk-based capital ratio16.7379%3,195
Memoranda:
Average total assets$185,964,0003,289
Average earning assets$170,858,3303,262
Average equity$21,254,6702,964
Average total loans$137,978,6702,889
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9142%3,518
Cost of funding earning assets0.7530%5,837
Net interest margin4.1612%2,031
Noninterest income to average assets0.9304%1,543
Noninterest expense to average assets3.2308%2,777
Loan and lease loss provision to assets0.3186%2,638
Net operating income to assets0.9070%2,530
Return on assets (ROA)0.9070%2,590
Pretax return on assets1.2193%2,310
Return on Equity (ROE)8.0797%2,874
Retained earnings to average equity (ytd only)-2.8951%6,276
Net charge-offs to loans0.4781%2,278
Credit loss provision to net charge-offs89.2857%2,951
Earnings coverage of net charge-offs (x)4.3095%2,515
Efficiency ratio66.4143%4,964
Assets per employee ($millions)3.1094%5,928
Cash dividends to net income (ytd only)*135.8314%386
Condition Ratios (%)
Loss allowance to loans1.6475%3,536
Loan loss allowance to noncurrent loans64.0665%4,190
Noncurrent assets plus other real estate owned to assets2.8248%2,441
Noncurrent loans to loans2.5716%2,921
Net loans and leases to total assets72.7962%1,557
Net loans and leases to deposits89.9440%1,238
Net loans and leases to core deposits92.2015%2,106
Total domestic deposits to total assets80.9350%5,678
Equity capital to assets11.3056%2,411
Core capital (leverage) ratio11.1013%2,114
Tier 1 risk-based capital ratio16.1632%2,831
Total risk-based capital ratio17.4193%2,790
Memoranda:
Average total assets$188,311,0003,264
Average earning assets$173,699,0003,238
Average equity$21,139,5002,968
Average total loans$140,552,0002,874
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2840%3,203
Cost of funding earning assets1.1141%5,056
Net interest margin4.1699%2,295
Noninterest income to average assets0.6594%3,087
Noninterest expense to average assets3.0553%3,648
Loan and lease loss provision to assets0.4025%3,701
Net operating income to assets0.7023%3,223
Return on assets (ROA)0.9101%2,481
Pretax return on assets1.2351%2,122
Return on Equity (ROE)8.5036%2,501
Retained earnings to average equity (ytd only)7.7748%1,050
Net charge-offs to loans0.2721%4,662
Credit loss provision to net charge-offs193.5000%1,643
Earnings coverage of net charge-offs (x)6.5225%2,335
Efficiency ratio66.1245%4,945
Assets per employee ($millions)3.1157%5,846
Cash dividends to net income (ytd only)*8.5714%3,797
Condition Ratios (%)
Loss allowance to loans1.6033%3,556
Loan loss allowance to noncurrent loans70.1223%3,920
Noncurrent assets plus other real estate owned to assets2.6013%2,678
Noncurrent loans to loans2.2864%3,233
Net loans and leases to total assets74.0429%1,656
Net loans and leases to deposits92.1989%1,251
Net loans and leases to core deposits94.3216%2,216
Total domestic deposits to total assets80.3078%5,748
Equity capital to assets11.1475%2,555
Core capital (leverage) ratio10.8887%2,237
Tier 1 risk-based capital ratio15.6694%2,916
Total risk-based capital ratio16.9252%2,870
Memoranda:
Average total assets$192,287,6003,199
Average earning assets$173,049,6003,224
Average equity$20,579,4003,065
Average total loans$147,008,0002,823
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3079%3,315
Cost of funding earning assets1.2069%4,829
Net interest margin4.1010%2,617
Noninterest income to average assets0.6783%2,956
Noninterest expense to average assets3.0877%3,388
Loan and lease loss provision to assets0.4473%3,233
Net operating income to assets0.6008%3,879
Return on assets (ROA)0.8808%2,830
Pretax return on assets1.1816%2,557
Return on Equity (ROE)8.3154%2,784
Retained earnings to average equity (ytd only)8.3154%1,309
Net charge-offs to loans0.2198%4,628
Credit loss provision to net charge-offs265.1639%1,242
Earnings coverage of net charge-offs (x)7.4425%2,330
Efficiency ratio67.5263%4,557
Assets per employee ($millions)3.3442%5,342
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6017%3,518
Loan loss allowance to noncurrent loans64.0022%4,099
Noncurrent assets plus other real estate owned to assets2.7388%2,644
Noncurrent loans to loans2.5026%3,115
Net loans and leases to total assets69.9252%2,746
Net loans and leases to deposits85.4541%2,443
Net loans and leases to core deposits87.4426%3,453
Total domestic deposits to total assets81.8278%5,066
Equity capital to assets10.3403%3,715
Core capital (leverage) ratio10.7595%2,458
Tier 1 risk-based capital ratio14.2540%3,661
Total risk-based capital ratio15.5081%3,619
Memoranda:
Average total assets$192,844,5003,246
Average earning assets$172,341,7503,279
Average equity$20,427,5003,132
Average total loans$148,005,2502,841
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4704%2,655
Cost of funding earning assets1.3532%4,173
Net interest margin4.1172%2,477
Noninterest income to average assets0.6821%2,808
Noninterest expense to average assets3.1640%3,037
Loan and lease loss provision to assets0.5520%2,566
Net operating income to assets0.4477%4,563
Return on assets (ROA)0.8703%2,789
Pretax return on assets1.1759%2,493
Return on Equity (ROE)8.1464%2,831
Retained earnings to average equity (ytd only)8.1464%1,396
Net charge-offs to loans0.2953%3,848
Credit loss provision to net charge-offs237.2727%1,625
Earnings coverage of net charge-offs (x)4.9727%2,793
Efficiency ratio68.7714%4,430
Assets per employee ($millions)3.0346%6,070
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5011%3,933
Loan loss allowance to noncurrent loans56.7305%4,533
Noncurrent assets plus other real estate owned to assets3.2137%2,202
Noncurrent loans to loans2.6459%2,992
Net loans and leases to total assets78.7318%1,007
Net loans and leases to deposits97.8883%885
Net loans and leases to core deposits100.0275%2,012
Total domestic deposits to total assets80.4302%5,584
Equity capital to assets11.0890%2,776
Core capital (leverage) ratio10.7251%2,450
Tier 1 risk-based capital ratio13.8962%3,803
Total risk-based capital ratio15.0878%3,810
Memoranda:
Average total assets$189,126,6703,319
Average earning assets$167,154,0003,386
Average equity$20,205,3303,151
Average total loans$149,017,6702,855
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3947%3,058
Cost of funding earning assets1.4653%3,774
Net interest margin3.9295%3,202
Noninterest income to average assets0.7660%2,197
Noninterest expense to average assets3.1706%2,973
Loan and lease loss provision to assets0.8622%1,475
Net operating income to assets0.1482%5,865
Return on assets (ROA)0.9731%2,352
Pretax return on assets1.3373%1,942
Return on Equity (ROE)9.2794%2,386
Retained earnings to average equity (ytd only)9.2794%1,324
Net charge-offs to loans0.3129%3,162
Credit loss provision to net charge-offs352.1368%1,150
Earnings coverage of net charge-offs (x)4.3675%2,644
Efficiency ratio70.1876%4,265
Assets per employee ($millions)3.0197%6,167
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4768%4,032
Loan loss allowance to noncurrent loans55.3500%4,641
Noncurrent assets plus other real estate owned to assets3.2438%2,209
Noncurrent loans to loans2.6682%3,004
Net loans and leases to total assets78.8911%994
Net loans and leases to deposits96.4880%1,046
Net loans and leases to core deposits98.5278%2,292
Total domestic deposits to total assets81.7626%5,172
Equity capital to assets10.7531%3,002
Core capital (leverage) ratio10.2127%2,920
Tier 1 risk-based capital ratio13.1700%4,228
Total risk-based capital ratio14.3487%4,233
Memoranda:
Average total assets$191,134,0003,351
Average earning assets$168,979,5003,417
Average equity$20,044,5003,200
Average total loans$149,545,0002,911
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8330%2,515
Cost of funding earning assets1.6994%4,514
Net interest margin4.1336%2,305
Noninterest income to average assets0.7693%2,560
Noninterest expense to average assets3.0975%3,756
Loan and lease loss provision to assets0.3177%4,912
Net operating income to assets0.8048%2,521
Return on assets (ROA)0.8048%2,604
Pretax return on assets1.0494%2,414
Return on Equity (ROE)7.8031%2,461
Retained earnings to average equity (ytd only)1.7481%3,863
Net charge-offs to loans0.5560%3,556
Credit loss provision to net charge-offs72.5537%6,441
Earnings coverage of net charge-offs (x)3.1217%3,500
Efficiency ratio63.6779%5,837
Assets per employee ($millions)3.0476%6,099
Cash dividends to net income (ytd only)*77.5974%1,267
Condition Ratios (%)
Loss allowance to loans1.2864%4,837
Loan loss allowance to noncurrent loans57.8884%4,520
Noncurrent assets plus other real estate owned to assets2.6752%2,625
Noncurrent loans to loans2.2222%3,372
Net loans and leases to total assets75.4978%1,919
Net loans and leases to deposits96.3503%1,290
Net loans and leases to core deposits106.7165%3,247
Total domestic deposits to total assets78.3576%6,156
Equity capital to assets10.2318%3,477
Core capital (leverage) ratio9.7788%3,357
Tier 1 risk-based capital ratio13.4868%3,832
Total risk-based capital ratio14.7376%3,778
Memoranda:
Average total assets$191,350,8003,274
Average earning assets$171,062,6003,332
Average equity$19,735,8003,242
Average total loans$150,725,0002,903
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8676%2,590
Cost of funding earning assets1.7226%4,786
Net interest margin4.1449%2,231
Noninterest income to average assets0.8885%2,035
Noninterest expense to average assets3.1514%3,453
Loan and lease loss provision to assets0.2955%4,614
Net operating income to assets0.8794%2,500
Return on assets (ROA)0.8794%2,572
Pretax return on assets1.1665%2,365
Return on Equity (ROE)8.5090%2,444
Retained earnings to average equity (ytd only)3.4619%3,362
Net charge-offs to loans0.5179%3,144
Credit loss provision to net charge-offs71.8910%5,946
Earnings coverage of net charge-offs (x)3.5571%3,481
Efficiency ratio62.3767%6,042
Assets per employee ($millions)3.4362%5,082
Cash dividends to net income (ytd only)*59.3155%1,627
Condition Ratios (%)
Loss allowance to loans1.3299%4,317
Loan loss allowance to noncurrent loans49.4640%5,022
Noncurrent assets plus other real estate owned to assets2.7138%2,562
Noncurrent loans to loans2.6885%2,821
Net loans and leases to total assets71.3998%3,178
Net loans and leases to deposits89.9561%2,590
Net loans and leases to core deposits98.6490%4,529
Total domestic deposits to total assets79.3719%5,670
Equity capital to assets9.7293%4,454
Core capital (leverage) ratio9.9430%3,353
Tier 1 risk-based capital ratio13.6633%3,738
Total risk-based capital ratio14.9150%3,679
Memoranda:
Average total assets$190,426,5003,308
Average earning assets$171,128,2503,359
Average equity$19,680,5003,291
Average total loans$151,112,2502,927
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9954%2,198
Cost of funding earning assets1.7501%5,012
Net interest margin4.2453%1,831
Noninterest income to average assets0.9116%1,937
Noninterest expense to average assets3.1872%3,368
Loan and lease loss provision to assets0.2678%4,442
Net operating income to assets0.9947%2,132
Return on assets (ROA)0.9947%2,226
Pretax return on assets1.3392%1,906
Return on Equity (ROE)9.4199%2,215
Retained earnings to average equity (ytd only)4.2548%2,936
Net charge-offs to loans0.2016%4,275
Credit loss provision to net charge-offs162.0915%2,835
Earnings coverage of net charge-offs (x)9.7255%2,084
Efficiency ratio60.2163%6,512
Assets per employee ($millions)2.9490%6,269
Cash dividends to net income (ytd only)*54.8317%1,862
Condition Ratios (%)
Loss allowance to loans1.5019%3,182
Loan loss allowance to noncurrent loans49.6021%5,049
Noncurrent assets plus other real estate owned to assets3.1302%2,007
Noncurrent loans to loans3.0280%2,383
Net loans and leases to total assets77.9722%1,749
Net loans and leases to deposits101.5365%1,112
Net loans and leases to core deposits113.5989%2,961
Total domestic deposits to total assets76.7923%6,378
Equity capital to assets10.4859%3,416
Core capital (leverage) ratio10.5374%2,777
Tier 1 risk-based capital ratio13.7097%3,686
Total risk-based capital ratio14.9639%3,612
Memoranda:
Average total assets$185,178,6703,403
Average earning assets$169,362,3303,402
Average equity$19,554,3303,317
Average total loans$151,753,3302,945
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0455%2,175
Cost of funding earning assets1.7846%5,188
Net interest margin4.2610%1,699
Noninterest income to average assets0.8768%1,945
Noninterest expense to average assets3.1582%3,158
Loan and lease loss provision to assets0.2050%4,399
Net operating income to assets1.0316%2,184
Return on assets (ROA)1.0316%2,325
Pretax return on assets1.4090%1,941
Return on Equity (ROE)9.7345%2,428
Retained earnings to average equity (ytd only)5.1039%3,063
Net charge-offs to loans0.3400%2,725
Credit loss provision to net charge-offs72.3077%4,313
Earnings coverage of net charge-offs (x)5.6923%2,626
Efficiency ratio60.1920%6,376
Assets per employee ($millions)2.9343%6,332
Cash dividends to net income (ytd only)*47.5687%1,842
Condition Ratios (%)
Loss allowance to loans1.3846%3,586
Loan loss allowance to noncurrent loans59.7737%4,611
Noncurrent assets plus other real estate owned to assets2.6016%2,199
Noncurrent loans to loans2.3164%2,836
Net loans and leases to total assets82.7225%895
Net loans and leases to deposits107.1247%779
Net loans and leases to core deposits121.0794%2,327
Total domestic deposits to total assets77.2207%6,223
Equity capital to assets10.7820%3,203
Core capital (leverage) ratio10.4248%3,007
Tier 1 risk-based capital ratio13.3675%3,946
Total risk-based capital ratio14.6206%3,858
Memoranda:
Average total assets$183,398,5003,458
Average earning assets$167,661,0003,456
Average equity$19,436,0003,358
Average total loans$152,926,0002,955
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3805%3,521
Cost of funding earning assets2.2992%5,153
Net interest margin4.0813%2,788
Noninterest income to average assets0.7273%2,928
Noninterest expense to average assets2.9853%4,136
Loan and lease loss provision to assets0.2200%4,685
Net operating income to assets0.9761%2,657
Return on assets (ROA)0.6179%4,087
Pretax return on assets0.8055%4,047
Return on Equity (ROE)5.5858%4,120
Retained earnings to average equity (ytd only)-7.6622%6,854
Net charge-offs to loans0.3328%3,174
Credit loss provision to net charge-offs82.4242%5,852
Earnings coverage of net charge-offs (x)5.5859%3,595
Efficiency ratio61.9128%5,969
Assets per employee ($millions)3.1334%5,672
Cash dividends to net income (ytd only)*237.1728%264
Condition Ratios (%)
Loss allowance to loans1.4023%3,178
Loan loss allowance to noncurrent loans46.1753%5,703
Noncurrent assets plus other real estate owned to assets3.0367%1,514
Noncurrent loans to loans3.0369%1,763
Net loans and leases to total assets81.7307%1,278
Net loans and leases to deposits106.0582%1,117
Net loans and leases to core deposits119.9943%2,688
Total domestic deposits to total assets77.0621%5,971
Equity capital to assets10.4163%3,595
Core capital (leverage) ratio10.0069%3,439
Tier 1 risk-based capital ratio13.2353%3,974
Total risk-based capital ratio14.4884%3,887
Memoranda:
Average total assets$185,477,8003,331
Average earning assets$170,361,8003,330
Average equity$20,516,2003,156
Average total loans$148,717,8002,952