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Islanders Bank, Performance and Condition Ratios

2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6092%3,791
Cost of funding earning assets0.1363%4,769
Net interest margin3.4729%2,553
Noninterest income to average assets0.2259%4,148
Noninterest expense to average assets2.2368%3,569
Loan and lease loss provision to assets0.1949%2,009
Net operating income to assets0.9564%2,454
Return on assets (ROA)0.9564%2,602
Pretax return on assets1.1337%2,573
Return on Equity (ROE)10.4068%1,841
Retained earnings to average equity (ytd only)-26.7268%4,972
Net charge-offs to loans0.0215%2,629
Credit loss provision to net charge-offs1,557.5000%534
Earnings coverage of net charge-offs (x)106.1750%755
Efficiency ratio62.7358%3,013
Assets per employee ($millions)7.7003%1,167
Cash dividends to net income (ytd only)*356.8204%20
Condition Ratios (%)
Loss allowance to loans1.5857%1,334
Loan loss allowance to noncurrent loans300.1055%1,716
Noncurrent assets plus other real estate owned to assets0.2736%2,928
Noncurrent loans to loans0.5284%2,396
Net loans and leases to total assets50.9575%3,750
Net loans and leases to deposits55.5119%4,028
Net loans and leases to core deposits56.0941%4,147
Total domestic deposits to total assets91.7957%88
Equity capital to assets7.9674%4,721
Core capital (leverage) ratio7.8669%4,697
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6469%1,643
Memoranda:
Average total assets$319,652,0002,194
Average earning assets$307,380,8002,131
Average equity$29,375,0002,512
Average total loans$185,689,8002,367
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7699%3,644
Cost of funding earning assets0.1366%4,839
Net interest margin3.6333%2,149
Noninterest income to average assets0.2305%4,115
Noninterest expense to average assets2.1721%3,743
Loan and lease loss provision to assets0.1559%2,449
Net operating income to assets1.1576%1,796
Return on assets (ROA)1.1576%1,908
Pretax return on assets1.3941%1,760
Return on Equity (ROE)12.1495%1,330
Retained earnings to average equity (ytd only)-34.6821%5,009
Net charge-offs to loans-0.0085%4,186
Credit loss provision to net charge-offs-3,050.0000%4,157
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3562%3,618
Assets per employee ($millions)6.6744%1,691
Cash dividends to net income (ytd only)*385.4619%21
Condition Ratios (%)
Loss allowance to loans1.3985%1,745
Loan loss allowance to noncurrent loans206.4113%2,152
Noncurrent assets plus other real estate owned to assets0.3757%2,647
Noncurrent loans to loans0.6776%2,097
Net loans and leases to total assets54.6802%3,737
Net loans and leases to deposits59.6753%4,080
Net loans and leases to core deposits60.3225%4,186
Total domestic deposits to total assets91.6294%90
Equity capital to assets8.1271%4,668
Core capital (leverage) ratio8.1503%4,564
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1418%1,782
Memoranda:
Average total assets$312,937,0002,207
Average earning assets$300,727,5002,147
Average equity$29,816,7502,485
Average total loans$187,257,5002,357
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9866%3,363
Cost of funding earning assets0.1398%4,905
Net interest margin3.8468%1,697
Noninterest income to average assets0.2383%4,050
Noninterest expense to average assets2.2792%3,577
Loan and lease loss provision to assets0.1850%2,175
Net operating income to assets1.2153%1,601
Return on assets (ROA)1.2153%1,719
Pretax return on assets1.4695%1,529
Return on Equity (ROE)12.0913%1,312
Retained earnings to average equity (ytd only)-56.5069%5,051
Net charge-offs to loans-0.0129%4,276
Credit loss provision to net charge-offs-2,341.6667%3,932
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9414%3,696
Assets per employee ($millions)6.9597%1,457
Cash dividends to net income (ytd only)*567.3348%17
Condition Ratios (%)
Loss allowance to loans1.3906%1,622
Loan loss allowance to noncurrent loans241.3598%1,857
Noncurrent assets plus other real estate owned to assets0.3308%2,984
Noncurrent loans to loans0.5762%2,426
Net loans and leases to total assets56.6131%3,636
Net loans and leases to deposits62.0031%4,004
Net loans and leases to core deposits62.9098%4,134
Total domestic deposits to total assets91.3068%104
Equity capital to assets8.3443%4,567
Core capital (leverage) ratio8.6210%4,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0775%1,780
Memoranda:
Average total assets$303,784,6672,230
Average earning assets$291,824,0002,177
Average equity$30,534,3332,436
Average total loans$186,754,0002,335
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2594%3,038
Cost of funding earning assets0.1452%4,979
Net interest margin4.1142%1,107
Noninterest income to average assets0.2720%3,902
Noninterest expense to average assets2.3464%3,667
Loan and lease loss provision to assets0.0122%3,626
Net operating income to assets1.5264%733
Return on assets (ROA)1.5264%801
Pretax return on assets1.8633%609
Return on Equity (ROE)13.9068%714
Retained earnings to average equity (ytd only)-67.0191%5,098
Net charge-offs to loans-0.0064%3,926
Credit loss provision to net charge-offs-300.0000%3,298
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5769%4,249
Assets per employee ($millions)5.7539%1,893
Cash dividends to net income (ytd only)*581.9149%39
Condition Ratios (%)
Loss allowance to loans1.2280%2,519
Loan loss allowance to noncurrent loans258.4091%1,720
Noncurrent assets plus other real estate owned to assets0.2999%3,254
Noncurrent loans to loans0.4752%2,826
Net loans and leases to total assets62.3271%3,264
Net loans and leases to deposits69.8274%3,609
Net loans and leases to core deposits70.8996%3,820
Total domestic deposits to total assets89.2588%562
Equity capital to assets10.2178%3,585
Core capital (leverage) ratio10.0457%3,413
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9896%1,352
Memoranda:
Average total assets$295,603,5002,236
Average earning assets$283,798,0002,176
Average equity$32,444,5002,334
Average total loans$188,230,5002,274
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4783%3,015
Cost of funding earning assets0.1359%5,063
Net interest margin4.3423%997
Noninterest income to average assets0.3493%3,611
Noninterest expense to average assets2.3495%3,825
Loan and lease loss provision to assets0.0630%2,778
Net operating income to assets1.7211%631
Return on assets (ROA)1.7208%671
Pretax return on assets2.0964%481
Return on Equity (ROE)14.7135%741
Retained earnings to average equity (ytd only)7.3567%1,231
Net charge-offs to loans0.0568%2,291
Credit loss provision to net charge-offs166.6667%1,551
Earnings coverage of net charge-offs (x)57.1296%1,016
Efficiency ratio52.1037%4,597
Assets per employee ($millions)5.7261%1,859
Cash dividends to net income (ytd only)*50.0000%2,049
Condition Ratios (%)
Loss allowance to loans1.2996%1,923
Loan loss allowance to noncurrent loans334.1398%1,386
Noncurrent assets plus other real estate owned to assets0.2499%3,437
Noncurrent loans to loans0.3889%3,041
Net loans and leases to total assets63.4081%3,265
Net loans and leases to deposits72.1742%3,512
Net loans and leases to core deposits73.2532%3,779
Total domestic deposits to total assets87.8542%1,196
Equity capital to assets11.7226%2,339
Core capital (leverage) ratio11.6625%1,988
Tier 1 risk-based capital ratio18.1716%1,723
Total risk-based capital ratio19.4226%1,674
Memoranda:
Average total assets$285,674,4002,245
Average earning assets$273,677,6002,183
Average equity$33,411,6002,212
Average total loans$190,289,2002,231
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5253%2,977
Cost of funding earning assets0.1340%5,141
Net interest margin4.3913%968
Noninterest income to average assets0.3778%3,450
Noninterest expense to average assets2.3656%3,776
Loan and lease loss provision to assets0.0637%2,617
Net operating income to assets1.7603%663
Return on assets (ROA)1.7599%699
Pretax return on assets2.1524%499
Return on Equity (ROE)15.0569%766
Retained earnings to average equity (ytd only)7.5305%1,605
Net charge-offs to loans0.0772%1,722
Credit loss provision to net charge-offs122.7273%1,920
Earnings coverage of net charge-offs (x)42.7191%1,312
Efficiency ratio51.6265%4,633
Assets per employee ($millions)6.1426%1,501
Cash dividends to net income (ytd only)*49.9865%1,675
Condition Ratios (%)
Loss allowance to loans1.2774%2,081
Loan loss allowance to noncurrent loans437.8815%1,095
Noncurrent assets plus other real estate owned to assets0.1889%3,814
Noncurrent loans to loans0.2917%3,489
Net loans and leases to total assets63.9277%3,295
Net loans and leases to deposits72.7263%3,576
Net loans and leases to core deposits73.5555%3,854
Total domestic deposits to total assets87.9019%1,079
Equity capital to assets11.6274%2,575
Core capital (leverage) ratio11.6846%2,091
Tier 1 risk-based capital ratio17.7212%1,895
Total risk-based capital ratio18.9718%1,851
Memoranda:
Average total assets$282,653,7502,280
Average earning assets$270,618,5002,224
Average equity$33,038,2502,253
Average total loans$190,039,5002,253
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5527%2,833
Cost of funding earning assets0.1335%5,190
Net interest margin4.4192%911
Noninterest income to average assets0.3999%3,273
Noninterest expense to average assets2.4251%3,672
Loan and lease loss provision to assets0.0646%2,524
Net operating income to assets1.7532%657
Return on assets (ROA)1.7538%685
Pretax return on assets2.1415%505
Return on Equity (ROE)14.9770%766
Retained earnings to average equity (ytd only)7.4916%1,603
Net charge-offs to loans0.1086%1,320
Credit loss provision to net charge-offs87.3786%2,158
Earnings coverage of net charge-offs (x)29.8252%1,468
Efficiency ratio52.3721%4,624
Assets per employee ($millions)5.8385%1,664
Cash dividends to net income (ytd only)*49.9795%1,797
Condition Ratios (%)
Loss allowance to loans1.2581%2,206
Loan loss allowance to noncurrent loans176.6740%2,349
Noncurrent assets plus other real estate owned to assets0.4849%2,605
Noncurrent loans to loans0.7121%2,204
Net loans and leases to total assets67.2425%2,932
Net loans and leases to deposits76.8332%3,257
Net loans and leases to core deposits77.8415%3,591
Total domestic deposits to total assets87.5174%1,333
Equity capital to assets11.9812%2,194
Core capital (leverage) ratio11.9974%1,832
Tier 1 risk-based capital ratio17.5449%1,927
Total risk-based capital ratio18.7953%1,886
Memoranda:
Average total assets$278,589,3302,304
Average earning assets$266,698,3302,250
Average equity$32,623,3302,265
Average total loans$189,743,3302,262
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5284%2,779
Cost of funding earning assets0.1340%5,234
Net interest margin4.3944%922
Noninterest income to average assets0.3701%3,376
Noninterest expense to average assets2.4251%3,700
Loan and lease loss provision to assets0.0648%2,366
Net operating income to assets1.7096%716
Return on assets (ROA)1.7108%741
Pretax return on assets2.0852%542
Return on Equity (ROE)14.7823%794
Retained earnings to average equity (ytd only)7.3912%1,888
Net charge-offs to loans-0.0063%4,084
Credit loss provision to net charge-offs-1,500.0000%3,999
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.0227%4,616
Assets per employee ($millions)5.2516%2,225
Cash dividends to net income (ytd only)*50.0000%1,622
Condition Ratios (%)
Loss allowance to loans1.2899%2,136
Loan loss allowance to noncurrent loans571.2297%937
Noncurrent assets plus other real estate owned to assets0.1548%4,033
Noncurrent loans to loans0.2258%3,773
Net loans and leases to total assets67.6884%2,804
Net loans and leases to deposits77.1055%3,152
Net loans and leases to core deposits78.2833%3,494
Total domestic deposits to total assets87.7867%1,443
Equity capital to assets11.6808%2,250
Core capital (leverage) ratio11.8553%1,868
Tier 1 risk-based capital ratio17.1903%2,048
Total risk-based capital ratio18.4411%1,992
Memoranda:
Average total assets$277,760,5002,324
Average earning assets$265,700,5002,275
Average equity$32,146,5002,291
Average total loans$189,192,0002,290
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3559%2,909
Cost of funding earning assets0.0967%5,294
Net interest margin4.2592%1,248
Noninterest income to average assets0.4397%3,168
Noninterest expense to average assets2.3877%3,915
Loan and lease loss provision to assets0.0319%3,549
Net operating income to assets1.7312%638
Return on assets (ROA)1.7280%645
Pretax return on assets2.0883%451
Return on Equity (ROE)16.0631%622
Retained earnings to average equity (ytd only)8.0299%1,222
Net charge-offs to loans0.0091%3,367
Credit loss provision to net charge-offs529.4118%659
Earnings coverage of net charge-offs (x)352.6471%293
Efficiency ratio52.9213%4,722
Assets per employee ($millions)5.1330%2,346
Cash dividends to net income (ytd only)*50.0103%1,952
Condition Ratios (%)
Loss allowance to loans1.2873%2,108
Loan loss allowance to noncurrent loans687.7493%831
Noncurrent assets plus other real estate owned to assets0.1266%4,188
Noncurrent loans to loans0.1872%3,901
Net loans and leases to total assets66.7809%3,032
Net loans and leases to deposits75.8740%3,358
Net loans and leases to core deposits77.2517%3,627
Total domestic deposits to total assets88.0155%1,289
Equity capital to assets11.4657%2,276
Core capital (leverage) ratio11.1585%2,392
Tier 1 risk-based capital ratio17.0117%2,063
Total risk-based capital ratio18.2623%2,008
Memoranda:
Average total assets$282,239,6002,256
Average earning assets$269,840,6002,197
Average equity$30,361,6002,316
Average total loans$186,150,2002,284
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2029%3,311
Cost of funding earning assets0.0905%5,371
Net interest margin4.1124%1,593
Noninterest income to average assets0.4510%3,164
Noninterest expense to average assets2.3510%3,973
Loan and lease loss provision to assets0.0423%3,141
Net operating income to assets1.6455%850
Return on assets (ROA)1.6451%861
Pretax return on assets1.9889%635
Return on Equity (ROE)15.5428%778
Retained earnings to average equity (ytd only)7.7714%1,757
Net charge-offs to loans0.0050%3,261
Credit loss provision to net charge-offs1,285.7143%314
Earnings coverage of net charge-offs (x)617.3483%142
Efficiency ratio53.6431%4,641
Assets per employee ($millions)5.6871%1,744
Cash dividends to net income (ytd only)*50.0000%1,587
Condition Ratios (%)
Loss allowance to loans1.3290%1,968
Loan loss allowance to noncurrent loans682.8169%831
Noncurrent assets plus other real estate owned to assets0.1200%4,374
Noncurrent loans to loans0.1946%4,013
Net loans and leases to total assets60.8564%3,759
Net loans and leases to deposits68.3021%4,041
Net loans and leases to core deposits69.4468%4,224
Total domestic deposits to total assets89.0988%816
Equity capital to assets10.3520%3,278
Core capital (leverage) ratio10.6851%2,897
Tier 1 risk-based capital ratio16.7320%2,195
Total risk-based capital ratio17.9825%2,140
Memoranda:
Average total assets$283,503,5002,254
Average earning assets$271,041,5002,200
Average equity$30,006,7502,339
Average total loans$185,807,7502,295
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1480%3,286
Cost of funding earning assets0.0899%5,428
Net interest margin4.0581%1,677
Noninterest income to average assets0.4617%3,081
Noninterest expense to average assets2.3312%4,072
Loan and lease loss provision to assets0.0644%2,614
Net operating income to assets1.6096%903
Return on assets (ROA)1.6090%912
Pretax return on assets1.9411%701
Return on Equity (ROE)15.0851%826
Retained earnings to average equity (ytd only)7.5425%1,823
Net charge-offs to loans0.0075%2,860
Credit loss provision to net charge-offs1,285.7143%328
Earnings coverage of net charge-offs (x)400.4286%232
Efficiency ratio53.7459%4,717
Assets per employee ($millions)5.6198%1,784
Cash dividends to net income (ytd only)*50.0000%1,668
Condition Ratios (%)
Loss allowance to loans1.3187%2,083
Loan loss allowance to noncurrent loans669.6133%858
Noncurrent assets plus other real estate owned to assets0.1288%4,357
Noncurrent loans to loans0.1969%4,018
Net loans and leases to total assets64.5565%3,334
Net loans and leases to deposits72.7096%3,658
Net loans and leases to core deposits74.3276%3,859
Total domestic deposits to total assets88.7868%1,021
Equity capital to assets10.7445%2,896
Core capital (leverage) ratio11.0292%2,494
Tier 1 risk-based capital ratio15.7370%2,540
Total risk-based capital ratio16.9822%2,483
Memoranda:
Average total assets$279,428,3302,293
Average earning assets$266,874,0002,235
Average equity$29,804,3302,364
Average total loans$186,945,6702,288
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0834%3,288
Cost of funding earning assets0.0901%5,480
Net interest margin3.9932%1,746
Noninterest income to average assets0.4077%3,408
Noninterest expense to average assets2.2710%4,251
Loan and lease loss provision to assets0.0861%2,077
Net operating income to assets1.5532%949
Return on assets (ROA)1.5532%955
Pretax return on assets1.8662%784
Return on Equity (ROE)14.6162%873
Retained earnings to average equity (ytd only)7.3081%2,145
Net charge-offs to loans0.0170%2,170
Credit loss provision to net charge-offs750.0000%436
Earnings coverage of net charge-offs (x)170.0000%382
Efficiency ratio53.7729%4,818
Assets per employee ($millions)5.2728%2,163
Cash dividends to net income (ytd only)*50.0000%1,512
Condition Ratios (%)
Loss allowance to loans1.2738%2,378
Loan loss allowance to noncurrent loans362.5758%1,429
Noncurrent assets plus other real estate owned to assets0.2362%3,924
Noncurrent loans to loans0.3513%3,515
Net loans and leases to total assets66.3680%2,980
Net loans and leases to deposits74.7025%3,343
Net loans and leases to core deposits76.4754%3,626
Total domestic deposits to total assets88.8431%1,184
Equity capital to assets10.6151%2,955
Core capital (leverage) ratio11.0346%2,407
Tier 1 risk-based capital ratio15.5331%2,654
Total risk-based capital ratio16.7700%2,596
Memoranda:
Average total assets$278,647,0002,310
Average earning assets$266,250,5002,262
Average equity$29,611,0002,400
Average total loans$188,507,5002,292
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1947%2,703
Cost of funding earning assets0.0930%5,520
Net interest margin4.1017%1,427
Noninterest income to average assets0.4734%3,166
Noninterest expense to average assets2.4211%4,016
Loan and lease loss provision to assets0.0893%2,404
Net operating income to assets1.2128%1,481
Return on assets (ROA)1.2128%1,507
Pretax return on assets1.8658%653
Return on Equity (ROE)10.5866%1,641
Retained earnings to average equity (ytd only)-10.9404%5,545
Net charge-offs to loans-0.0069%4,706
Credit loss provision to net charge-offs-1,846.1538%5,148
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.3242%4,831
Assets per employee ($millions)5.4477%1,987
Cash dividends to net income (ytd only)*203.3425%96
Condition Ratios (%)
Loss allowance to loans1.2376%2,550
Loan loss allowance to noncurrent loans253.3550%1,908
Noncurrent assets plus other real estate owned to assets0.3326%3,536
Noncurrent loans to loans0.4885%3,054
Net loans and leases to total assets67.2376%2,928
Net loans and leases to deposits75.5532%3,373
Net loans and leases to core deposits77.3507%3,637
Total domestic deposits to total assets88.9938%1,007
Equity capital to assets10.6384%3,007
Core capital (leverage) ratio10.6451%2,701
Tier 1 risk-based capital ratio15.1828%2,758
Total risk-based capital ratio16.3873%2,712
Memoranda:
Average total assets$268,886,0002,357
Average earning assets$255,844,8002,313
Average equity$30,803,2002,309
Average total loans$187,354,8002,260
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1677%2,723
Cost of funding earning assets0.0925%5,582
Net interest margin4.0752%1,468
Noninterest income to average assets0.4925%3,072
Noninterest expense to average assets2.4391%3,918
Loan and lease loss provision to assets0.0975%2,157
Net operating income to assets1.2761%1,414
Return on assets (ROA)1.2761%1,442
Pretax return on assets1.8321%816
Return on Equity (ROE)10.9356%1,729
Retained earnings to average equity (ytd only)-15.9577%5,666
Net charge-offs to loans-0.0086%4,590
Credit loss provision to net charge-offs-1,625.0000%5,033
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8315%4,766
Assets per employee ($millions)5.6379%1,794
Cash dividends to net income (ytd only)*245.9249%50
Condition Ratios (%)
Loss allowance to loans1.2242%2,777
Loan loss allowance to noncurrent loans244.9306%1,888
Noncurrent assets plus other real estate owned to assets0.3324%3,720
Noncurrent loans to loans0.4998%3,201
Net loans and leases to total assets65.6921%3,150
Net loans and leases to deposits73.7175%3,604
Net loans and leases to core deposits75.5167%3,838
Total domestic deposits to total assets89.1133%823
Equity capital to assets10.4156%3,458
Core capital (leverage) ratio10.6641%2,807
Tier 1 risk-based capital ratio15.1543%2,859
Total risk-based capital ratio16.3485%2,805
Memoranda:
Average total assets$266,649,0002,386
Average earning assets$253,624,5002,345
Average equity$31,114,7502,298
Average total loans$186,906,0002,282
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1759%2,561
Cost of funding earning assets0.0942%5,619
Net interest margin4.0816%1,378
Noninterest income to average assets0.5001%3,028
Noninterest expense to average assets2.5003%3,751
Loan and lease loss provision to assets0.1147%1,794
Net operating income to assets1.2295%1,503
Return on assets (ROA)1.2295%1,538
Pretax return on assets1.7609%920
Return on Equity (ROE)10.1453%1,966
Retained earnings to average equity (ytd only)-26.4737%5,737
Net charge-offs to loans-0.0118%4,591
Credit loss provision to net charge-offs-1,363.6364%4,882
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1379%4,689
Assets per employee ($millions)5.2467%2,114
Cash dividends to net income (ytd only)*360.9453%33
Condition Ratios (%)
Loss allowance to loans1.1881%3,099
Loan loss allowance to noncurrent loans218.6770%2,073
Noncurrent assets plus other real estate owned to assets0.3842%3,569
Noncurrent loans to loans0.5433%3,117
Net loans and leases to total assets69.8696%2,548
Net loans and leases to deposits80.4081%2,865
Net loans and leases to core deposits82.8562%3,189
Total domestic deposits to total assets86.8938%1,991
Equity capital to assets10.7981%3,037
Core capital (leverage) ratio11.1227%2,295
Tier 1 risk-based capital ratio15.1083%2,882
Total risk-based capital ratio16.2938%2,846
Memoranda:
Average total assets$261,567,3302,427
Average earning assets$248,380,0002,390
Average equity$31,699,3302,248
Average total loans$186,715,6702,287
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1799%2,338
Cost of funding earning assets0.0961%5,668
Net interest margin4.0838%1,256
Noninterest income to average assets0.5415%2,701
Noninterest expense to average assets2.3964%4,123
Loan and lease loss provision to assets0.1392%1,363
Net operating income to assets1.3072%1,217
Return on assets (ROA)1.3072%1,252
Pretax return on assets1.8843%665
Return on Equity (ROE)10.2109%1,866
Retained earnings to average equity (ytd only)5.1115%2,824
Net charge-offs to loans-0.0173%4,662
Credit loss provision to net charge-offs-1,125.0000%4,453
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2177%5,104
Assets per employee ($millions)4.9690%2,485
Cash dividends to net income (ytd only)*49.9408%1,681
Condition Ratios (%)
Loss allowance to loans1.1809%3,252
Loan loss allowance to noncurrent loans226.7635%2,040
Noncurrent assets plus other real estate owned to assets0.3940%3,624
Noncurrent loans to loans0.5208%3,256
Net loans and leases to total assets70.7934%2,251
Net loans and leases to deposits81.6214%2,554
Net loans and leases to core deposits84.1914%2,882
Total domestic deposits to total assets86.7339%2,343
Equity capital to assets12.9058%1,297
Core capital (leverage) ratio13.0551%1,123
Tier 1 risk-based capital ratio17.8419%1,928
Total risk-based capital ratio19.0160%1,904
Memoranda:
Average total assets$258,559,0002,473
Average earning assets$245,557,0002,433
Average equity$33,102,0002,191
Average total loans$185,469,5002,313
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0435%3,052
Cost of funding earning assets0.1150%5,633
Net interest margin3.9285%1,863
Noninterest income to average assets0.4563%3,502
Noninterest expense to average assets2.1990%4,774
Loan and lease loss provision to assets0.0184%4,007
Net operating income to assets1.3732%1,057
Return on assets (ROA)1.3788%1,097
Pretax return on assets2.0078%496
Return on Equity (ROE)10.3548%1,828
Retained earnings to average equity (ytd only)-8.6512%5,769
Net charge-offs to loans0.0874%2,449
Credit loss provision to net charge-offs30.6748%3,585
Earnings coverage of net charge-offs (x)33.6196%1,333
Efficiency ratio52.1439%5,373
Assets per employee ($millions)5.0732%2,308
Cash dividends to net income (ytd only)*183.5470%101
Condition Ratios (%)
Loss allowance to loans1.1236%3,587
Loan loss allowance to noncurrent loans213.2789%2,150
Noncurrent assets plus other real estate owned to assets1.4312%1,186
Noncurrent loans to loans0.5268%3,270
Net loans and leases to total assets71.0174%2,327
Net loans and leases to deposits81.6723%2,705
Net loans and leases to core deposits84.0307%3,022
Total domestic deposits to total assets86.9540%2,174
Equity capital to assets12.6993%1,399
Core capital (leverage) ratio12.7241%1,243
Tier 1 risk-based capital ratio17.3283%2,054
Total risk-based capital ratio18.4319%2,055
Memoranda:
Average total assets$271,538,6002,350
Average earning assets$259,947,0002,283
Average equity$36,157,0002,018
Average total loans$186,445,4002,245
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0013%3,231
Cost of funding earning assets0.1204%5,673
Net interest margin3.8809%2,050
Noninterest income to average assets0.4465%3,586
Noninterest expense to average assets2.1741%4,834
Loan and lease loss provision to assets0.0097%4,042
Net operating income to assets1.3603%1,144
Return on assets (ROA)1.3676%1,200
Pretax return on assets1.9965%572
Return on Equity (ROE)10.1596%1,992
Retained earnings to average equity (ytd only)5.0798%2,771
Net charge-offs to loans-0.0079%4,712
Credit loss provision to net charge-offs-181.8182%4,848
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.1415%5,375
Assets per employee ($millions)5.4980%1,851
Cash dividends to net income (ytd only)*50.0000%1,880
Condition Ratios (%)
Loss allowance to loans1.1727%3,412
Loan loss allowance to noncurrent loans56.5096%4,592
Noncurrent assets plus other real estate owned to assets1.4593%1,244
Noncurrent loans to loans2.0753%930
Net loans and leases to total assets67.0512%2,946
Net loans and leases to deposits78.0138%3,184
Net loans and leases to core deposits80.2793%3,419
Total domestic deposits to total assets85.9479%2,389
Equity capital to assets13.4565%1,267
Core capital (leverage) ratio12.9735%1,198
Tier 1 risk-based capital ratio19.2438%1,612
Total risk-based capital ratio20.3947%1,596
Memoranda:
Average total assets$274,740,5002,328
Average earning assets$263,573,2502,269
Average equity$36,982,0001,991
Average total loans$186,598,7502,247
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9835%3,299
Cost of funding earning assets0.1254%5,728
Net interest margin3.8581%2,114
Noninterest income to average assets0.4141%3,789
Noninterest expense to average assets2.2092%4,823
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.3025%1,265
Return on assets (ROA)1.3025%1,369
Pretax return on assets1.9036%691
Return on Equity (ROE)9.6755%2,189
Retained earnings to average equity (ytd only)4.8405%2,835
Net charge-offs to loans-0.0076%4,622
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7159%5,336
Assets per employee ($millions)5.6096%1,694
Cash dividends to net income (ytd only)*49.9719%1,970
Condition Ratios (%)
Loss allowance to loans1.1616%3,572
Loan loss allowance to noncurrent loans54.7755%4,698
Noncurrent assets plus other real estate owned to assets1.5477%1,217
Noncurrent loans to loans2.1207%913
Net loans and leases to total assets66.9810%2,945
Net loans and leases to deposits77.7264%3,182
Net loans and leases to core deposits80.4452%3,420
Total domestic deposits to total assets86.1754%2,340
Equity capital to assets13.3048%1,330
Core capital (leverage) ratio13.3904%1,019
Tier 1 risk-based capital ratio18.7969%1,738
Total risk-based capital ratio19.9252%1,725
Memoranda:
Average total assets$272,854,3302,356
Average earning assets$261,579,0002,289
Average equity$36,732,0002,008
Average total loans$185,384,3302,260
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9864%3,267
Cost of funding earning assets0.1272%5,769
Net interest margin3.8592%2,074
Noninterest income to average assets0.3866%3,933
Noninterest expense to average assets2.2257%4,843
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.2727%1,326
Return on assets (ROA)1.2727%1,424
Pretax return on assets1.8599%757
Return on Equity (ROE)9.3964%2,243
Retained earnings to average equity (ytd only)4.6762%3,133
Net charge-offs to loans-0.0066%4,376
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4760%5,339
Assets per employee ($millions)5.0898%2,251
Cash dividends to net income (ytd only)*50.2336%1,741
Condition Ratios (%)
Loss allowance to loans1.2004%3,478
Loan loss allowance to noncurrent loans157.9211%2,672
Noncurrent assets plus other real estate owned to assets0.5705%3,353
Noncurrent loans to loans0.7601%2,932
Net loans and leases to total assets67.2148%2,778
Net loans and leases to deposits78.2331%2,979
Net loans and leases to core deposits81.1755%3,219
Total domestic deposits to total assets85.9161%2,703
Equity capital to assets13.6020%1,139
Core capital (leverage) ratio13.7079%904
Tier 1 risk-based capital ratio19.0762%1,717
Total risk-based capital ratio20.2332%1,701
Memoranda:
Average total assets$269,042,5002,390
Average earning assets$257,880,0002,326
Average equity$36,439,5002,017
Average total loans$183,039,0002,281
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1495%2,737
Cost of funding earning assets0.1453%5,714
Net interest margin4.0042%1,704
Noninterest income to average assets0.4750%3,499
Noninterest expense to average assets2.2997%4,787
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.3644%1,117
Return on assets (ROA)1.3644%1,162
Pretax return on assets2.0066%529
Return on Equity (ROE)10.0389%1,994
Retained earnings to average equity (ytd only)5.0251%2,396
Net charge-offs to loans0.0202%3,863
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)140.7838%441
Efficiency ratio51.7130%5,651
Assets per employee ($millions)5.0627%2,287
Cash dividends to net income (ytd only)*49.9435%2,302
Condition Ratios (%)
Loss allowance to loans1.2057%3,447
Loan loss allowance to noncurrent loans154.0238%2,755
Noncurrent assets plus other real estate owned to assets0.5862%3,328
Noncurrent loans to loans0.7828%2,827
Net loans and leases to total assets67.2153%2,834
Net loans and leases to deposits78.2528%3,027
Net loans and leases to core deposits81.2566%3,221
Total domestic deposits to total assets85.8950%2,682
Equity capital to assets13.4860%1,133
Core capital (leverage) ratio13.3846%1,008
Tier 1 risk-based capital ratio19.1349%1,675
Total risk-based capital ratio20.3080%1,648
Memoranda:
Average total assets$259,595,2002,427
Average earning assets$248,391,2002,350
Average equity$35,282,6002,023
Average total loans$183,578,8002,204
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1579%2,726
Cost of funding earning assets0.1500%5,778
Net interest margin4.0079%1,674
Noninterest income to average assets0.4921%3,423
Noninterest expense to average assets2.3469%4,662
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.3446%1,238
Return on assets (ROA)1.3446%1,280
Pretax return on assets1.9781%623
Return on Equity (ROE)9.8733%2,151
Retained earnings to average equity (ytd only)4.9442%2,950
Net charge-offs to loans-0.0138%5,083
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0000%5,656
Assets per employee ($millions)5.2513%1,999
Cash dividends to net income (ytd only)*49.9230%1,870
Condition Ratios (%)
Loss allowance to loans1.2283%3,498
Loan loss allowance to noncurrent loans133.9466%3,034
Noncurrent assets plus other real estate owned to assets0.6829%3,204
Noncurrent loans to loans0.9170%2,686
Net loans and leases to total assets67.7668%2,714
Net loans and leases to deposits78.6985%3,018
Net loans and leases to core deposits81.8864%3,263
Total domestic deposits to total assets86.1094%2,474
Equity capital to assets13.3417%1,296
Core capital (leverage) ratio13.2021%1,135
Tier 1 risk-based capital ratio18.7246%1,845
Total risk-based capital ratio19.9170%1,823
Memoranda:
Average total assets$257,413,2502,459
Average earning assets$246,173,5002,395
Average equity$35,056,7502,051
Average total loans$183,834,7502,219
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1872%2,591
Cost of funding earning assets0.1525%5,825
Net interest margin4.0347%1,538
Noninterest income to average assets0.5096%3,313
Noninterest expense to average assets2.4131%4,502
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.3208%1,261
Return on assets (ROA)1.3208%1,309
Pretax return on assets1.9508%656
Return on Equity (ROE)9.6291%2,238
Retained earnings to average equity (ytd only)4.8289%2,971
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.8859%5,724
Assets per employee ($millions)5.1923%2,043
Cash dividends to net income (ytd only)*49.8509%1,948
Condition Ratios (%)
Loss allowance to loans1.2208%3,672
Loan loss allowance to noncurrent loans145.6083%2,861
Noncurrent assets plus other real estate owned to assets0.6475%3,478
Noncurrent loans to loans0.8384%3,030
Net loans and leases to total assets69.7520%2,357
Net loans and leases to deposits81.2267%2,639
Net loans and leases to core deposits84.9690%2,886
Total domestic deposits to total assets85.8733%2,759
Equity capital to assets13.5798%1,136
Core capital (leverage) ratio13.7340%921
Tier 1 risk-based capital ratio18.6990%1,872
Total risk-based capital ratio19.8952%1,848
Memoranda:
Average total assets$253,946,3302,512
Average earning assets$242,598,0002,437
Average equity$34,832,0002,068
Average total loans$183,864,3302,235
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2036%2,447
Cost of funding earning assets0.1554%5,886
Net interest margin4.0481%1,415
Noninterest income to average assets0.4412%3,685
Noninterest expense to average assets2.5614%4,059
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1819%1,599
Return on assets (ROA)1.1819%1,697
Pretax return on assets1.7379%970
Return on Equity (ROE)8.5730%2,656
Retained earnings to average equity (ytd only)4.2749%3,448
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.5750%5,780
Assets per employee ($millions)5.2093%2,099
Cash dividends to net income (ytd only)*50.1348%1,731
Condition Ratios (%)
Loss allowance to loans1.2184%3,852
Loan loss allowance to noncurrent loans104.5306%3,585
Noncurrent assets plus other real estate owned to assets0.8952%2,846
Noncurrent loans to loans1.1656%2,442
Net loans and leases to total assets71.0834%1,971
Net loans and leases to deposits82.7952%2,234
Net loans and leases to core deposits86.9951%2,433
Total domestic deposits to total assets85.8545%3,012
Equity capital to assets13.6413%1,112
Core capital (leverage) ratio13.9538%837
Tier 1 risk-based capital ratio18.0683%2,118
Total risk-based capital ratio19.2399%2,094
Memoranda:
Average total assets$251,112,5002,550
Average earning assets$239,321,5002,476
Average equity$34,620,5002,092
Average total loans$184,134,5002,239
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4053%2,203
Cost of funding earning assets0.1905%5,830
Net interest margin4.2148%1,257
Noninterest income to average assets0.4687%3,720
Noninterest expense to average assets2.6297%4,118
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.2265%1,508
Return on assets (ROA)1.2265%1,562
Pretax return on assets1.8228%755
Return on Equity (ROE)8.8181%2,675
Retained earnings to average equity (ytd only)4.3942%3,054
Net charge-offs to loans0.2083%2,003
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)11.5248%2,479
Efficiency ratio53.6079%5,875
Assets per employee ($millions)4.9394%2,399
Cash dividends to net income (ytd only)*50.1684%2,267
Condition Ratios (%)
Loss allowance to loans1.2124%3,922
Loan loss allowance to noncurrent loans103.3718%3,626
Noncurrent assets plus other real estate owned to assets0.9349%2,879
Noncurrent loans to loans1.1729%2,490
Net loans and leases to total assets73.8345%1,614
Net loans and leases to deposits86.1669%1,957
Net loans and leases to core deposits90.0200%2,280
Total domestic deposits to total assets85.6877%2,990
Equity capital to assets13.9373%975
Core capital (leverage) ratio13.6781%908
Tier 1 risk-based capital ratio18.6925%1,935
Total risk-based capital ratio19.9219%1,903
Memoranda:
Average total assets$242,161,2002,597
Average earning assets$228,883,4002,531
Average equity$33,680,6002,069
Average total loans$183,851,0002,186
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4025%2,211
Cost of funding earning assets0.1988%5,841
Net interest margin4.2037%1,281
Noninterest income to average assets0.4604%3,815
Noninterest expense to average assets2.6267%4,106
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.2112%1,640
Return on assets (ROA)1.2112%1,707
Pretax return on assets1.8000%896
Return on Equity (ROE)8.7134%2,830
Retained earnings to average equity (ytd only)4.3428%3,566
Net charge-offs to loans0.2606%1,497
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)9.0614%2,718
Efficiency ratio53.7625%5,843
Assets per employee ($millions)5.2270%1,987
Cash dividends to net income (ytd only)*50.1598%1,833
Condition Ratios (%)
Loss allowance to loans1.2265%4,098
Loan loss allowance to noncurrent loans48.2714%5,205
Noncurrent assets plus other real estate owned to assets1.9646%1,468
Noncurrent loans to loans2.5409%1,146
Net loans and leases to total assets72.6039%1,742
Net loans and leases to deposits84.5197%2,085
Net loans and leases to core deposits88.7244%2,346
Total domestic deposits to total assets85.9018%2,898
Equity capital to assets13.5749%1,149
Core capital (leverage) ratio13.5385%983
Tier 1 risk-based capital ratio18.2162%2,145
Total risk-based capital ratio19.4442%2,109
Memoranda:
Average total assets$240,959,0002,623
Average earning assets$227,351,0002,563
Average equity$33,495,5002,083
Average total loans$183,667,0002,195
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4411%2,030
Cost of funding earning assets0.2108%5,820
Net interest margin4.2303%1,181
Noninterest income to average assets0.4317%4,010
Noninterest expense to average assets2.6367%4,106
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.1976%1,596
Return on assets (ROA)1.1976%1,666
Pretax return on assets1.7800%878
Return on Equity (ROE)8.5446%2,816
Retained earnings to average equity (ytd only)4.2573%3,464
Net charge-offs to loans0.0654%3,059
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)35.2500%1,146
Efficiency ratio53.9063%5,917
Assets per employee ($millions)4.9028%2,337
Cash dividends to net income (ytd only)*50.1757%1,924
Condition Ratios (%)
Loss allowance to loans1.3890%3,409
Loan loss allowance to noncurrent loans53.2211%5,047
Noncurrent assets plus other real estate owned to assets2.2378%1,346
Noncurrent loans to loans2.6099%1,169
Net loans and leases to total assets75.6803%1,212
Net loans and leases to deposits88.6036%1,521
Net loans and leases to core deposits93.1724%1,847
Total domestic deposits to total assets85.4144%3,320
Equity capital to assets14.0203%961
Core capital (leverage) ratio13.9603%843
Tier 1 risk-based capital ratio18.0037%2,242
Total risk-based capital ratio19.2557%2,212
Memoranda:
Average total assets$237,646,3302,654
Average earning assets$223,863,3302,604
Average equity$33,307,6702,079
Average total loans$183,415,0002,190
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4163%2,078
Cost of funding earning assets0.2196%5,854
Net interest margin4.1967%1,232
Noninterest income to average assets0.3605%4,505
Noninterest expense to average assets2.6046%4,254
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.1271%1,712
Return on assets (ROA)1.1271%1,776
Pretax return on assets1.7026%970
Return on Equity (ROE)8.0434%2,905
Retained earnings to average equity (ytd only)3.9975%3,715
Net charge-offs to loans0.1378%1,890
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)15.9683%1,526
Efficiency ratio54.2633%5,991
Assets per employee ($millions)4.9913%2,261
Cash dividends to net income (ytd only)*50.3003%1,680
Condition Ratios (%)
Loss allowance to loans1.3817%3,690
Loan loss allowance to noncurrent loans72.5674%4,415
Noncurrent assets plus other real estate owned to assets1.8636%1,858
Noncurrent loans to loans1.9041%1,989
Net loans and leases to total assets76.2038%981
Net loans and leases to deposits88.8679%1,267
Net loans and leases to core deposits93.8047%1,566
Total domestic deposits to total assets85.7495%3,497
Equity capital to assets13.8978%956
Core capital (leverage) ratio13.9816%826
Tier 1 risk-based capital ratio17.6542%2,432
Total risk-based capital ratio18.9060%2,395
Memoranda:
Average total assets$236,351,0002,674
Average earning assets$222,269,5002,633
Average equity$33,120,5002,079
Average total loans$182,936,0002,200
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5939%1,896
Cost of funding earning assets0.2831%5,740
Net interest margin4.3109%1,081
Noninterest income to average assets0.5416%3,461
Noninterest expense to average assets2.6080%4,436
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.2735%1,321
Return on assets (ROA)1.2735%1,379
Pretax return on assets1.9826%502
Return on Equity (ROE)9.1968%2,451
Retained earnings to average equity (ytd only)4.6186%2,873
Net charge-offs to loans0.2103%2,783
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)12.2766%2,140
Efficiency ratio50.7204%6,369
Assets per employee ($millions)4.7575%2,506
Cash dividends to net income (ytd only)*49.7808%2,288
Condition Ratios (%)
Loss allowance to loans1.4612%3,373
Loan loss allowance to noncurrent loans75.2636%4,326
Noncurrent assets plus other real estate owned to assets1.8772%1,943
Noncurrent loans to loans1.9414%2,058
Net loans and leases to total assets76.3995%1,019
Net loans and leases to deposits89.3359%1,309
Net loans and leases to core deposits94.0989%1,597
Total domestic deposits to total assets85.5194%3,498
Equity capital to assets14.1319%865
Core capital (leverage) ratio13.5888%930
Tier 1 risk-based capital ratio17.4810%2,427
Total risk-based capital ratio18.7333%2,399
Memoranda:
Average total assets$232,825,6002,692
Average earning assets$218,680,2002,633
Average equity$32,239,4002,118
Average total loans$178,803,8002,206
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6613%1,717
Cost of funding earning assets0.2933%5,784
Net interest margin4.3680%950
Noninterest income to average assets0.5333%3,571
Noninterest expense to average assets2.6024%4,382
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.2952%1,367
Return on assets (ROA)1.2952%1,432
Pretax return on assets2.0342%539
Return on Equity (ROE)9.4020%2,442
Retained earnings to average equity (ytd only)4.7114%3,297
Net charge-offs to loans0.0957%3,605
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)27.7426%1,300
Efficiency ratio50.0371%6,398
Assets per employee ($millions)4.8733%2,339
Cash dividends to net income (ytd only)*49.8894%1,870
Condition Ratios (%)
Loss allowance to loans1.6663%2,744
Loan loss allowance to noncurrent loans73.3621%4,288
Noncurrent assets plus other real estate owned to assets1.9661%2,062
Noncurrent loans to loans2.2714%1,931
Net loans and leases to total assets71.3956%1,706
Net loans and leases to deposits83.0125%1,996
Net loans and leases to core deposits87.7912%2,216
Total domestic deposits to total assets86.0058%3,249
Equity capital to assets13.6474%1,065
Core capital (leverage) ratio13.3550%1,078
Tier 1 risk-based capital ratio17.5985%2,480
Total risk-based capital ratio18.8525%2,445
Memoranda:
Average total assets$232,752,5002,706
Average earning assets$218,645,0002,647
Average equity$32,063,2502,145
Average total loans$178,319,2502,216
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8230%1,282
Cost of funding earning assets0.2982%5,843
Net interest margin4.5248%680
Noninterest income to average assets0.5625%3,426
Noninterest expense to average assets2.6125%4,335
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.4501%984
Return on assets (ROA)1.4501%1,061
Pretax return on assets2.1982%417
Return on Equity (ROE)10.4930%2,015
Retained earnings to average equity (ytd only)5.2622%2,881
Net charge-offs to loans0.1178%3,188
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)23.9245%1,315
Efficiency ratio48.2523%6,522
Assets per employee ($millions)4.7163%2,488
Cash dividends to net income (ytd only)*49.8506%1,886
Condition Ratios (%)
Loss allowance to loans1.6250%3,073
Loan loss allowance to noncurrent loans71.9121%4,328
Noncurrent assets plus other real estate owned to assets2.0983%2,057
Noncurrent loans to loans2.2597%2,104
Net loans and leases to total assets76.2576%957
Net loans and leases to deposits89.6844%1,179
Net loans and leases to core deposits94.8508%1,450
Total domestic deposits to total assets85.0288%3,875
Equity capital to assets13.9764%978
Core capital (leverage) ratio13.8763%855
Tier 1 risk-based capital ratio17.2618%2,611
Total risk-based capital ratio18.5160%2,578
Memoranda:
Average total assets$230,739,3302,733
Average earning assets$216,629,6702,678
Average equity$31,888,0002,158
Average total loans$179,967,0002,197
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6881%1,569
Cost of funding earning assets0.3072%5,915
Net interest margin4.3808%831
Noninterest income to average assets0.5309%3,563
Noninterest expense to average assets2.5590%4,534
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3740%1,093
Return on assets (ROA)1.3740%1,182
Pretax return on assets2.0784%514
Return on Equity (ROE)9.9992%2,061
Retained earnings to average equity (ytd only)4.9996%3,231
Net charge-offs to loans0.0577%3,248
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)46.0769%712
Efficiency ratio48.7093%6,579
Assets per employee ($millions)4.5160%2,937
Cash dividends to net income (ytd only)*50.0000%1,574
Condition Ratios (%)
Loss allowance to loans1.6656%3,150
Loan loss allowance to noncurrent loans56.2429%4,883
Noncurrent assets plus other real estate owned to assets2.6501%1,715
Noncurrent loans to loans2.9615%1,697
Net loans and leases to total assets78.2013%591
Net loans and leases to deposits91.8769%811
Net loans and leases to core deposits97.9949%1,080
Total domestic deposits to total assets85.1153%3,981
Equity capital to assets14.1194%993
Core capital (leverage) ratio13.5301%934
Tier 1 risk-based capital ratio16.9444%2,775
Total risk-based capital ratio18.1993%2,749
Memoranda:
Average total assets$230,560,5002,770
Average earning assets$216,123,0002,706
Average equity$31,682,5002,202
Average total loans$180,380,5002,209
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9319%1,741
Cost of funding earning assets0.3983%5,933
Net interest margin4.5336%884
Noninterest income to average assets0.7875%2,316
Noninterest expense to average assets2.6450%4,582
Loan and lease loss provision to assets0.5175%1,130
Net operating income to assets1.3301%1,232
Return on assets (ROA)1.3301%1,363
Pretax return on assets1.8316%866
Return on Equity (ROE)10.1684%2,100
Retained earnings to average equity (ytd only)6.1228%2,003
Net charge-offs to loans0.5918%1,957
Credit loss provision to net charge-offs112.3596%2,595
Earnings coverage of net charge-offs (x)5.1002%3,150
Efficiency ratio46.7962%6,760
Assets per employee ($millions)4.7064%2,638
Cash dividends to net income (ytd only)*39.7860%2,867
Condition Ratios (%)
Loss allowance to loans1.6651%3,067
Loan loss allowance to noncurrent loans57.7637%4,763
Noncurrent assets plus other real estate owned to assets2.5404%1,915
Noncurrent loans to loans2.8826%1,814
Net loans and leases to total assets75.7155%959
Net loans and leases to deposits87.9511%1,282
Net loans and leases to core deposits93.3532%1,516
Total domestic deposits to total assets86.0882%3,309
Equity capital to assets13.3789%1,277
Core capital (leverage) ratio13.0206%1,112
Tier 1 risk-based capital ratio16.2775%3,006
Total risk-based capital ratio17.5319%2,964
Memoranda:
Average total assets$231,869,8002,702
Average earning assets$215,150,6002,676
Average equity$30,329,4002,229
Average total loans$180,468,6002,197
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0026%1,689
Cost of funding earning assets0.4225%5,972
Net interest margin4.5801%849
Noninterest income to average assets0.5310%3,739
Noninterest expense to average assets2.7583%4,144
Loan and lease loss provision to assets0.5195%1,158
Net operating income to assets0.9910%2,555
Return on assets (ROA)0.9910%2,784
Pretax return on assets1.4954%1,898
Return on Equity (ROE)7.6205%3,459
Retained earnings to average equity (ytd only)3.7903%4,224
Net charge-offs to loans0.6841%1,614
Credit loss provision to net charge-offs97.2973%3,075
Earnings coverage of net charge-offs (x)3.7741%3,519
Efficiency ratio51.2455%6,508
Assets per employee ($millions)4.6355%2,690
Cash dividends to net income (ytd only)*50.2621%1,681
Condition Ratios (%)
Loss allowance to loans1.6065%3,491
Loan loss allowance to noncurrent loans70.9677%4,178
Noncurrent assets plus other real estate owned to assets2.3903%2,230
Noncurrent loans to loans2.2637%2,541
Net loans and leases to total assets74.0935%1,235
Net loans and leases to deposits85.6398%1,645
Net loans and leases to core deposits91.1122%1,861
Total domestic deposits to total assets86.5176%2,972
Equity capital to assets12.8940%1,646
Core capital (leverage) ratio12.6013%1,363
Tier 1 risk-based capital ratio15.8774%3,335
Total risk-based capital ratio17.1311%3,303
Memoranda:
Average total assets$231,007,5002,742
Average earning assets$213,963,0002,708
Average equity$30,041,0002,265
Average total loans$180,288,2502,222
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0825%1,557
Cost of funding earning assets0.4541%5,942
Net interest margin4.6283%787
Noninterest income to average assets0.5410%3,649
Noninterest expense to average assets2.8455%3,848
Loan and lease loss provision to assets0.5235%1,197
Net operating income to assets0.9607%2,614
Return on assets (ROA)0.9607%2,863
Pretax return on assets1.4494%2,013
Return on Equity (ROE)7.3661%3,583
Retained earnings to average equity (ytd only)3.6596%4,162
Net charge-offs to loans0.7170%1,545
Credit loss provision to net charge-offs92.4499%2,967
Earnings coverage of net charge-offs (x)3.4838%3,356
Efficiency ratio52.4085%6,469
Assets per employee ($millions)4.3223%3,218
Cash dividends to net income (ytd only)*50.3179%1,722
Condition Ratios (%)
Loss allowance to loans1.5619%3,735
Loan loss allowance to noncurrent loans57.3857%4,773
Noncurrent assets plus other real estate owned to assets3.0164%1,826
Noncurrent loans to loans2.7217%2,208
Net loans and leases to total assets78.0254%718
Net loans and leases to deposits90.4922%1,098
Net loans and leases to core deposits96.6785%1,383
Total domestic deposits to total assets86.2233%3,237
Equity capital to assets13.1725%1,440
Core capital (leverage) ratio12.6976%1,265
Tier 1 risk-based capital ratio15.5366%3,416
Total risk-based capital ratio16.7898%3,377
Memoranda:
Average total assets$229,206,0002,770
Average earning assets$211,826,3302,737
Average equity$29,893,6702,259
Average total loans$181,042,3302,215
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1133%1,539
Cost of funding earning assets0.4879%5,880
Net interest margin4.6254%784
Noninterest income to average assets0.4850%4,021
Noninterest expense to average assets2.9398%3,475
Loan and lease loss provision to assets0.5234%1,150
Net operating income to assets0.8584%3,118
Return on assets (ROA)0.8584%3,349
Pretax return on assets1.2893%2,578
Return on Equity (ROE)6.6146%3,980
Retained earnings to average equity (ytd only)3.3207%4,572
Net charge-offs to loans0.8076%1,273
Credit loss provision to net charge-offs82.1918%2,692
Earnings coverage of net charge-offs (x)2.8466%3,044
Efficiency ratio54.9192%6,239
Assets per employee ($millions)4.4512%3,082
Cash dividends to net income (ytd only)*49.7967%1,476
Condition Ratios (%)
Loss allowance to loans1.5700%3,849
Loan loss allowance to noncurrent loans52.5237%4,922
Noncurrent assets plus other real estate owned to assets3.1183%1,858
Noncurrent loans to loans2.9892%2,159
Net loans and leases to total assets77.8796%605
Net loans and leases to deposits90.4957%920
Net loans and leases to core deposits97.2213%1,184
Total domestic deposits to total assets86.0589%3,494
Equity capital to assets13.1605%1,372
Core capital (leverage) ratio12.4754%1,351
Tier 1 risk-based capital ratio15.1903%3,627
Total risk-based capital ratio16.4435%3,586
Memoranda:
Average total assets$229,267,5002,772
Average earning assets$211,525,5002,751
Average equity$29,752,5002,278
Average total loans$180,774,0002,229
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2970%1,708
Cost of funding earning assets0.6035%6,076
Net interest margin4.6935%765
Noninterest income to average assets0.3588%4,944
Noninterest expense to average assets3.0451%3,418
Loan and lease loss provision to assets0.5047%2,083
Net operating income to assets0.7474%3,270
Return on assets (ROA)0.7474%3,440
Pretax return on assets1.1205%2,763
Return on Equity (ROE)6.0781%3,838
Retained earnings to average equity (ytd only)3.1228%4,007
Net charge-offs to loans0.4599%3,144
Credit loss provision to net charge-offs137.7727%2,153
Earnings coverage of net charge-offs (x)4.4363%3,113
Efficiency ratio58.2043%6,023
Assets per employee ($millions)4.5397%2,847
Cash dividends to net income (ytd only)*48.6213%2,127
Condition Ratios (%)
Loss allowance to loans1.5858%3,641
Loan loss allowance to noncurrent loans43.2663%5,417
Noncurrent assets plus other real estate owned to assets3.9257%1,463
Noncurrent loans to loans3.6651%1,723
Net loans and leases to total assets77.3344%791
Net loans and leases to deposits89.4175%1,212
Net loans and leases to core deposits99.7004%1,205
Total domestic deposits to total assets86.4869%3,037
Equity capital to assets12.7974%1,601
Core capital (leverage) ratio12.0788%1,552
Tier 1 risk-based capital ratio14.8083%3,752
Total risk-based capital ratio16.0617%3,732
Memoranda:
Average total assets$237,759,2002,656
Average earning assets$218,407,6002,629
Average equity$29,236,2002,252
Average total loans$189,404,8002,137
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3494%1,676
Cost of funding earning assets0.6250%6,154
Net interest margin4.7245%721
Noninterest income to average assets0.4412%4,356
Noninterest expense to average assets3.0542%3,335
Loan and lease loss provision to assets0.5014%1,973
Net operating income to assets0.8117%3,099
Return on assets (ROA)0.8117%3,266
Pretax return on assets1.2195%2,563
Return on Equity (ROE)6.6670%3,680
Retained earnings to average equity (ytd only)4.1640%3,765
Net charge-offs to loans0.3694%3,244
Credit loss provision to net charge-offs169.8113%1,782
Earnings coverage of net charge-offs (x)5.8283%2,687
Efficiency ratio57.0995%6,128
Assets per employee ($millions)4.6193%2,727
Cash dividends to net income (ytd only)*37.5431%2,134
Condition Ratios (%)
Loss allowance to loans1.5965%3,687
Loan loss allowance to noncurrent loans44.1927%5,376
Noncurrent assets plus other real estate owned to assets3.7193%1,679
Noncurrent loans to loans3.6126%1,902
Net loans and leases to total assets75.0814%1,128
Net loans and leases to deposits86.1958%1,666
Net loans and leases to core deposits95.6500%1,641
Total domestic deposits to total assets87.1057%2,589
Equity capital to assets12.3332%2,010
Core capital (leverage) ratio11.6200%1,943
Tier 1 risk-based capital ratio14.2378%4,171
Total risk-based capital ratio15.4909%4,132
Memoranda:
Average total assets$239,318,2502,655
Average earning assets$219,531,2502,633
Average equity$29,138,0002,263
Average total loans$191,273,0002,141
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4675%1,371
Cost of funding earning assets0.6322%6,309
Net interest margin4.8353%574
Noninterest income to average assets0.4493%4,291
Noninterest expense to average assets3.0173%3,571
Loan and lease loss provision to assets0.5020%1,951
Net operating income to assets0.9187%2,561
Return on assets (ROA)0.9187%2,659
Pretax return on assets1.3840%1,847
Return on Equity (ROE)7.5788%3,153
Retained earnings to average equity (ytd only)3.8032%3,793
Net charge-offs to loans0.4795%2,662
Credit loss provision to net charge-offs129.0323%2,364
Earnings coverage of net charge-offs (x)4.8473%2,758
Efficiency ratio54.7270%6,541
Assets per employee ($millions)4.7769%2,438
Cash dividends to net income (ytd only)*49.8179%1,701
Condition Ratios (%)
Loss allowance to loans1.4023%4,557
Loan loss allowance to noncurrent loans44.3109%5,363
Noncurrent assets plus other real estate owned to assets3.7351%1,740
Noncurrent loans to loans3.1647%2,268
Net loans and leases to total assets79.2166%618
Net loans and leases to deposits91.0217%1,153
Net loans and leases to core deposits104.2699%1,027
Total domestic deposits to total assets87.0305%2,723
Equity capital to assets12.2531%1,932
Core capital (leverage) ratio11.7562%1,743
Tier 1 risk-based capital ratio13.6539%4,413
Total risk-based capital ratio14.9046%4,394
Memoranda:
Average total assets$239,022,3302,667
Average earning assets$220,174,6702,645
Average equity$28,975,6702,243
Average total loans$193,938,6702,140
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2842%1,919
Cost of funding earning assets0.6410%6,424
Net interest margin4.6432%794
Noninterest income to average assets0.5236%3,699
Noninterest expense to average assets3.1433%3,097
Loan and lease loss provision to assets0.5019%1,737
Net operating income to assets0.7712%3,163
Return on assets (ROA)0.7712%3,235
Pretax return on assets1.1559%2,533
Return on Equity (ROE)6.3960%3,675
Retained earnings to average equity (ytd only)3.2049%4,251
Net charge-offs to loans0.2954%2,871
Credit loss provision to net charge-offs208.3333%1,429
Earnings coverage of net charge-offs (x)6.8819%2,034
Efficiency ratio58.3275%6,229
Assets per employee ($millions)4.5896%2,750
Cash dividends to net income (ytd only)*49.8915%1,480
Condition Ratios (%)
Loss allowance to loans1.3859%4,737
Loan loss allowance to noncurrent loans33.4690%6,069
Noncurrent assets plus other real estate owned to assets4.7067%1,356
Noncurrent loans to loans4.1409%1,736
Net loans and leases to total assets80.8857%442
Net loans and leases to deposits92.6478%965
Net loans and leases to core deposits105.3844%972
Total domestic deposits to total assets87.3045%2,760
Equity capital to assets12.1286%1,842
Core capital (leverage) ratio11.5078%1,842
Tier 1 risk-based capital ratio13.1779%4,683
Total risk-based capital ratio14.4287%4,659
Memoranda:
Average total assets$239,111,0002,676
Average earning assets$220,279,5002,661
Average equity$28,830,5002,245
Average total loans$194,960,0002,152
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0917%711
Cost of funding earning assets0.7682%6,684
Net interest margin5.3235%230
Noninterest income to average assets0.5824%3,576
Noninterest expense to average assets2.8845%4,299
Loan and lease loss provision to assets0.4217%3,582
Net operating income to assets1.3714%1,005
Return on assets (ROA)1.3714%1,075
Pretax return on assets2.0757%409
Return on Equity (ROE)11.3256%1,497
Retained earnings to average equity (ytd only)5.4987%2,110
Net charge-offs to loans0.2106%5,025
Credit loss provision to net charge-offs234.6154%1,247
Earnings coverage of net charge-offs (x)13.8942%1,380
Efficiency ratio46.8529%7,321
Assets per employee ($millions)4.7913%2,430
Cash dividends to net income (ytd only)*51.4493%2,006
Condition Ratios (%)
Loss allowance to loans1.3164%4,916
Loan loss allowance to noncurrent loans40.7786%5,586
Noncurrent assets plus other real estate owned to assets3.3941%2,063
Noncurrent loans to loans3.2282%2,348
Net loans and leases to total assets79.9831%662
Net loans and leases to deposits92.3137%1,234
Net loans and leases to core deposits108.4614%1,018
Total domestic deposits to total assets86.6428%3,008
Equity capital to assets11.9864%1,926
Core capital (leverage) ratio11.2309%1,990
Tier 1 risk-based capital ratio13.1808%4,464
Total risk-based capital ratio14.4311%4,415
Memoranda:
Average total assets$231,444,2002,734
Average earning assets$208,659,8002,769
Average equity$28,025,0002,311
Average total loans$197,531,6002,183
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2665%542
Cost of funding earning assets0.8000%6,761
Net interest margin5.4665%184
Noninterest income to average assets0.6312%3,244
Noninterest expense to average assets2.8111%4,440
Loan and lease loss provision to assets0.3929%3,539
Net operating income to assets1.5326%864
Return on assets (ROA)1.5326%942
Pretax return on assets2.3235%320
Return on Equity (ROE)12.6233%1,354
Retained earnings to average equity (ytd only)6.2853%2,211
Net charge-offs to loans0.2252%4,584
Credit loss provision to net charge-offs201.7910%1,767
Earnings coverage of net charge-offs (x)13.9521%1,550
Efficiency ratio44.1804%7,456
Assets per employee ($millions)4.7746%2,486
Cash dividends to net income (ytd only)*50.2086%1,616
Condition Ratios (%)
Loss allowance to loans1.1868%5,553
Loan loss allowance to noncurrent loans37.8768%5,804
Noncurrent assets plus other real estate owned to assets3.2143%2,223
Noncurrent loans to loans3.1334%2,544
Net loans and leases to total assets79.9059%765
Net loans and leases to deposits91.8356%1,468
Net loans and leases to core deposits107.2092%1,219
Total domestic deposits to total assets87.0097%2,524
Equity capital to assets11.6988%2,361
Core capital (leverage) ratio11.0285%2,235
Tier 1 risk-based capital ratio12.7829%4,745
Total risk-based capital ratio13.9120%4,828
Memoranda:
Average total assets$229,414,5002,795
Average earning assets$205,489,2502,842
Average equity$27,852,5002,350
Average total loans$198,373,0002,201
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4925%340
Cost of funding earning assets0.8287%6,822
Net interest margin5.6638%139
Noninterest income to average assets0.6364%3,088
Noninterest expense to average assets2.7813%4,571
Loan and lease loss provision to assets0.3346%3,724
Net operating income to assets1.6705%615
Return on assets (ROA)1.6705%664
Pretax return on assets2.5330%221
Return on Equity (ROE)13.5813%1,122
Retained earnings to average equity (ytd only)6.7364%1,953
Net charge-offs to loans0.2685%3,997
Credit loss provision to net charge-offs140.8240%2,840
Earnings coverage of net charge-offs (x)12.0674%1,704
Efficiency ratio42.4610%7,568
Assets per employee ($millions)5.2362%1,885
Cash dividends to net income (ytd only)*50.3996%1,667
Condition Ratios (%)
Loss allowance to loans1.0766%6,053
Loan loss allowance to noncurrent loans31.6684%6,259
Noncurrent assets plus other real estate owned to assets3.1440%2,256
Noncurrent loans to loans3.3996%2,342
Net loans and leases to total assets82.0865%523
Net loans and leases to deposits94.5601%1,203
Net loans and leases to core deposits110.9315%1,106
Total domestic deposits to total assets86.8088%2,643
Equity capital to assets11.9278%2,141
Core capital (leverage) ratio11.9428%1,675
Tier 1 risk-based capital ratio12.6564%4,728
Total risk-based capital ratio13.6829%4,900
Memoranda:
Average total assets$224,718,0002,874
Average earning assets$198,875,3302,965
Average equity$27,641,0002,360
Average total loans$198,860,3302,226
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3883%447
Cost of funding earning assets0.8292%7,004
Net interest margin5.5591%164
Noninterest income to average assets0.6513%2,929
Noninterest expense to average assets2.8258%4,389
Loan and lease loss provision to assets0.3028%3,615
Net operating income to assets1.7221%589
Return on assets (ROA)1.7221%642
Pretax return on assets2.6106%208
Return on Equity (ROE)13.7765%1,093
Retained earnings to average equity (ytd only)6.8737%2,184
Net charge-offs to loans0.2513%3,440
Credit loss provision to net charge-offs131.7460%2,681
Earnings coverage of net charge-offs (x)12.6746%1,550
Efficiency ratio42.2123%7,673
Assets per employee ($millions)4.7777%2,535
Cash dividends to net income (ytd only)*50.1059%1,483
Condition Ratios (%)
Loss allowance to loans1.0128%6,391
Loan loss allowance to noncurrent loans48.5455%5,100
Noncurrent assets plus other real estate owned to assets2.2546%3,207
Noncurrent loans to loans2.0863%3,674
Net loans and leases to total assets90.5452%59
Net loans and leases to deposits115.0767%195
Net loans and leases to core deposits137.7464%356
Total domestic deposits to total assets78.6825%6,157
Equity capital to assets12.5789%1,707
Core capital (leverage) ratio11.7887%1,758
Tier 1 risk-based capital ratio12.4299%4,813
Total risk-based capital ratio13.4283%4,983
Memoranda:
Average total assets$219,263,5002,999
Average earning assets$200,680,0002,986
Average equity$27,409,0002,410
Average total loans$200,529,0002,276
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5022%669
Cost of funding earning assets1.0761%7,045
Net interest margin5.4261%201
Noninterest income to average assets0.6419%3,344
Noninterest expense to average assets3.0921%3,777
Loan and lease loss provision to assets0.4573%4,085
Net operating income to assets1.3598%920
Return on assets (ROA)1.3598%970
Pretax return on assets2.0449%376
Return on Equity (ROE)10.9334%1,448
Retained earnings to average equity (ytd only)5.4328%1,607
Net charge-offs to loans0.1933%5,437
Credit loss provision to net charge-offs267.3973%1,307
Earnings coverage of net charge-offs (x)14.6301%1,359
Efficiency ratio47.7092%7,641
Assets per employee ($millions)4.6543%2,679
Cash dividends to net income (ytd only)*50.3101%2,460
Condition Ratios (%)
Loss allowance to loans0.9979%6,405
Loan loss allowance to noncurrent loans92.0664%3,038
Noncurrent assets plus other real estate owned to assets1.2279%4,646
Noncurrent loans to loans1.0838%5,155
Net loans and leases to total assets90.5273%71
Net loans and leases to deposits129.2443%97
Net loans and leases to core deposits162.2920%317
Total domestic deposits to total assets70.0435%7,422
Equity capital to assets12.4217%1,786
Core capital (leverage) ratio11.5794%1,876
Tier 1 risk-based capital ratio12.1825%4,785
Total risk-based capital ratio13.1657%4,970
Memoranda:
Average total assets$213,413,0003,027
Average earning assets$194,780,8003,039
Average equity$26,542,4002,486
Average total loans$188,871,8002,417
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4582%826
Cost of funding earning assets1.1236%7,122
Net interest margin5.3346%238
Noninterest income to average assets0.6790%3,161
Noninterest expense to average assets3.1447%3,484
Loan and lease loss provision to assets0.2861%4,686
Net operating income to assets1.4057%1,013
Return on assets (ROA)1.4057%1,080
Pretax return on assets2.1136%426
Return on Equity (ROE)11.2992%1,544
Retained earnings to average equity (ytd only)5.6294%2,142
Net charge-offs to loans0.1433%5,268
Credit loss provision to net charge-offs227.5000%1,916
Earnings coverage of net charge-offs (x)19.0850%1,315
Efficiency ratio48.9851%7,624
Assets per employee ($millions)4.8144%2,379
Cash dividends to net income (ytd only)*50.1788%1,995
Condition Ratios (%)
Loss allowance to loans0.8335%7,012
Loan loss allowance to noncurrent loans132.5788%2,142
Noncurrent assets plus other real estate owned to assets0.8034%5,493
Noncurrent loans to loans0.6287%6,040
Net loans and leases to total assets86.2288%332
Net loans and leases to deposits115.1630%288
Net loans and leases to core deposits138.8864%972
Total domestic deposits to total assets74.8755%6,793
Equity capital to assets11.8638%2,314
Core capital (leverage) ratio11.3076%2,184
Tier 1 risk-based capital ratio12.1126%4,867
Total risk-based capital ratio12.9315%5,209
Memoranda:
Average total assets$212,077,7503,066
Average earning assets$193,423,5003,074
Average equity$26,384,7502,515
Average total loans$186,082,7502,472
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5569%718
Cost of funding earning assets1.1521%7,237
Net interest margin5.4047%207
Noninterest income to average assets0.6424%3,396
Noninterest expense to average assets3.2265%3,249
Loan and lease loss provision to assets0.2074%4,975
Net operating income to assets1.4189%981
Return on assets (ROA)1.4189%1,055
Pretax return on assets2.1317%403
Return on Equity (ROE)11.2156%1,641
Retained earnings to average equity (ytd only)5.5125%2,242
Net charge-offs to loans0.1282%4,887
Credit loss provision to net charge-offs183.7607%2,496
Earnings coverage of net charge-offs (x)20.7265%1,300
Efficiency ratio49.9653%7,672
Assets per employee ($millions)4.5139%2,751
Cash dividends to net income (ytd only)*50.8498%2,005
Condition Ratios (%)
Loss allowance to loans0.8086%7,123
Loan loss allowance to noncurrent loans83.7380%3,378
Noncurrent assets plus other real estate owned to assets1.0562%4,852
Noncurrent loans to loans0.9657%5,290
Net loans and leases to total assets87.6084%262
Net loans and leases to deposits103.0798%983
Net loans and leases to core deposits123.2929%2,087
Total domestic deposits to total assets84.9908%3,264
Equity capital to assets12.7408%1,818
Core capital (leverage) ratio11.5855%2,043
Tier 1 risk-based capital ratio12.7960%4,293
Total risk-based capital ratio13.5958%4,566
Memoranda:
Average total assets$207,344,6703,135
Average earning assets$188,871,0003,155
Average equity$26,231,3302,539
Average total loans$182,525,0002,541
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4545%949
Cost of funding earning assets1.1174%7,490
Net interest margin5.3370%221
Noninterest income to average assets0.6236%3,393
Noninterest expense to average assets3.1564%3,164
Loan and lease loss provision to assets0.0772%5,990
Net operating income to assets1.4981%938
Return on assets (ROA)1.4981%1,009
Pretax return on assets2.2491%396
Return on Equity (ROE)11.8838%1,698
Retained earnings to average equity (ytd only)11.8838%810
Net charge-offs to loans0.4306%2,385
Credit loss provision to net charge-offs20.4082%5,071
Earnings coverage of net charge-offs (x)6.1480%2,536
Efficiency ratio49.2606%7,648
Assets per employee ($millions)4.4355%2,821
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6741%7,516
Loan loss allowance to noncurrent loans60.9623%4,535
Noncurrent assets plus other real estate owned to assets0.9670%4,777
Noncurrent loans to loans1.1058%4,775
Net loans and leases to total assets86.8590%347
Net loans and leases to deposits101.6356%1,216
Net loans and leases to core deposits126.1812%1,905
Total domestic deposits to total assets85.4612%2,986
Equity capital to assets12.7150%1,876
Core capital (leverage) ratio11.7308%2,029
Tier 1 risk-based capital ratio12.8928%4,257
Total risk-based capital ratio13.5634%4,612
Memoranda:
Average total assets$207,197,0003,153
Average earning assets$188,644,0003,175
Average equity$26,119,5002,561
Average total loans$182,091,0002,566
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8905%1,424
Cost of funding earning assets1.3943%7,742
Net interest margin5.4963%210
Noninterest income to average assets0.7968%2,535
Noninterest expense to average assets14.1542%82
Loan and lease loss provision to assets0.0556%6,714
Net operating income to assets-9.4612%8,253
Return on assets (ROA)-9.4612%8,249
Pretax return on assets-8.8705%8,225
Return on Equity (ROE)-49.3258%8,150
Retained earnings to average equity (ytd only)-51.3338%8,143
Net charge-offs to loans0.1776%4,423
Credit loss provision to net charge-offs39.0335%6,459
Earnings coverage of net charge-offs (x)-61.8513%6,995
Efficiency ratio55.5567%7,082
Assets per employee ($millions)4.2901%2,974
Cash dividends to net income (ytd only)*-4.0710%7,750
Condition Ratios (%)
Loss allowance to loans0.7615%7,242
Loan loss allowance to noncurrent loans75.6417%4,293
Noncurrent assets plus other real estate owned to assets0.8892%4,635
Noncurrent loans to loans1.0067%4,575
Net loans and leases to total assets87.6503%400
Net loans and leases to deposits102.0017%1,589
Net loans and leases to core deposits125.3781%2,220
Total domestic deposits to total assets85.9302%2,432
Equity capital to assets12.4959%2,017
Core capital (leverage) ratio10.7414%2,784
Tier 1 risk-based capital ratio12.5070%4,430
Total risk-based capital ratio13.2700%4,691
Memoranda:
Average total assets$188,749,8003,286
Average earning assets$155,996,6003,551
Average equity$36,204,2001,861
Average total loans$151,435,4002,901