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Johnson Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4179%2,266
Cost of funding earning assets2.0036%1,921
Net interest margin3.4142%2,537
Noninterest income to average assets1.0200%559
Noninterest expense to average assets2.8282%1,457
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.0466%2,150
Return on assets (ROA)1.0490%2,141
Pretax return on assets1.3316%1,887
Return on Equity (ROE)8.5900%2,710
Retained earnings to average equity (ytd only)8.5912%1,534
Net charge-offs to loans-0.0002%3,432
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio68.0372%2,037
Assets per employee ($millions)8.7578%1,199
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.5620%878
Loan loss allowance to noncurrent loans743.8495%870
Noncurrent assets plus other real estate owned to assets0.1587%2,719
Noncurrent loans to loans0.2100%2,747
Net loans and leases to total assets74.4000%1,286
Net loans and leases to deposits95.9339%624
Net loans and leases to core deposits100.8615%1,311
Total domestic deposits to total assets77.5500%3,861
Equity capital to assets12.2769%1,135
Core capital (leverage) ratio12.5284%1,265
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8494%1,099
Memoranda:
Average total assets$6,796,495,500233
Average earning assets$6,241,264,500226
Average equity$829,822,500205
Average total loans$5,114,174,000211
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7017%1,747
Cost of funding earning assets2.2703%1,585
Net interest margin3.4314%2,220
Noninterest income to average assets1.0100%603
Noninterest expense to average assets2.8814%1,351
Loan and lease loss provision to assets0.1500%931
Net operating income to assets0.8860%2,435
Return on assets (ROA)0.8961%2,401
Pretax return on assets1.1355%2,149
Return on Equity (ROE)7.2000%2,968
Retained earnings to average equity (ytd only)2.2370%3,295
Net charge-offs to loans0.2105%676
Credit loss provision to net charge-offs97.4089%1,943
Earnings coverage of net charge-offs (x)8.0581%2,393
Efficiency ratio69.2896%2,089
Assets per employee ($millions)8.5807%1,231
Cash dividends to net income (ytd only)*68.9132%862
Condition Ratios (%)
Loss allowance to loans1.6001%801
Loan loss allowance to noncurrent loans891.4544%812
Noncurrent assets plus other real estate owned to assets0.1345%2,788
Noncurrent loans to loans0.1795%2,786
Net loans and leases to total assets73.7100%1,439
Net loans and leases to deposits92.4960%993
Net loans and leases to core deposits97.3667%1,631
Total domestic deposits to total assets79.6900%3,597
Equity capital to assets12.1412%1,131
Core capital (leverage) ratio12.3884%1,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7497%1,107
Memoranda:
Average total assets$6,477,474,400237
Average earning assets$5,951,940,200229
Average equity$806,612,200201
Average total loans$4,877,500,400212
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7328%1,664
Cost of funding earning assets2.3003%1,537
Net interest margin3.4325%2,176
Noninterest income to average assets1.0200%575
Noninterest expense to average assets2.8935%1,272
Loan and lease loss provision to assets0.1000%1,278
Net operating income to assets0.9336%2,267
Return on assets (ROA)0.9438%2,248
Pretax return on assets1.1909%2,008
Return on Equity (ROE)7.5300%2,879
Retained earnings to average equity (ytd only)0.8925%3,758
Net charge-offs to loans-0.0116%4,037
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio69.2985%2,106
Assets per employee ($millions)8.2712%1,362
Cash dividends to net income (ytd only)*88.1465%375
Condition Ratios (%)
Loss allowance to loans1.7325%620
Loan loss allowance to noncurrent loans481.2736%1,289
Noncurrent assets plus other real estate owned to assets0.2721%2,142
Noncurrent loans to loans0.3600%2,195
Net loans and leases to total assets74.2700%1,330
Net loans and leases to deposits95.2371%769
Net loans and leases to core deposits100.5511%1,447
Total domestic deposits to total assets77.9800%3,728
Equity capital to assets12.2776%1,179
Core capital (leverage) ratio12.2429%1,376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5970%1,170
Memoranda:
Average total assets$6,410,742,000233
Average earning assets$5,891,766,500230
Average equity$803,552,750201
Average total loans$4,833,774,250211
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6585%1,680
Cost of funding earning assets2.2411%1,563
Net interest margin3.4174%2,130
Noninterest income to average assets1.0000%590
Noninterest expense to average assets2.8881%1,283
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.9976%2,005
Return on assets (ROA)1.0079%1,967
Pretax return on assets1.2721%1,770
Return on Equity (ROE)7.9800%2,740
Retained earnings to average equity (ytd only)-2.0039%4,140
Net charge-offs to loans-0.0159%4,080
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio69.6409%2,158
Assets per employee ($millions)8.0983%1,400
Cash dividends to net income (ytd only)*125.0977%200
Condition Ratios (%)
Loss allowance to loans1.6727%714
Loan loss allowance to noncurrent loans1,036.3983%751
Noncurrent assets plus other real estate owned to assets0.1221%2,834
Noncurrent loans to loans0.1614%2,863
Net loans and leases to total assets74.4100%1,369
Net loans and leases to deposits93.5568%981
Net loans and leases to core deposits97.8247%1,625
Total domestic deposits to total assets79.5300%3,518
Equity capital to assets12.2608%1,080
Core capital (leverage) ratio12.4150%1,277
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7952%1,120
Memoranda:
Average total assets$6,344,766,333234
Average earning assets$5,834,374,667229
Average equity$800,941,667200
Average total loans$4,780,113,333212
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6107%1,614
Cost of funding earning assets2.2113%1,535
Net interest margin3.3994%2,102
Noninterest income to average assets0.9800%568
Noninterest expense to average assets2.8955%1,244
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.9374%2,123
Return on assets (ROA)0.9478%2,111
Pretax return on assets1.2230%1,836
Return on Equity (ROE)7.4000%2,847
Retained earnings to average equity (ytd only)7.3993%1,705
Net charge-offs to loans-0.0259%4,178
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio70.5302%2,095
Assets per employee ($millions)7.8727%1,528
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.7079%663
Loan loss allowance to noncurrent loans1,099.3654%770
Noncurrent assets plus other real estate owned to assets0.1172%2,854
Noncurrent loans to loans0.1554%2,842
Net loans and leases to total assets74.1200%1,319
Net loans and leases to deposits91.8294%1,056
Net loans and leases to core deposits95.7864%1,659
Total domestic deposits to total assets80.7200%3,422
Equity capital to assets12.8554%898
Core capital (leverage) ratio13.0020%1,043
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7911%958
Memoranda:
Average total assets$6,298,068,500240
Average earning assets$5,791,620,500233
Average equity$806,726,000199
Average total loans$4,734,213,000217
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2642%1,547
Cost of funding earning assets1.7189%1,409
Net interest margin3.5453%2,083
Noninterest income to average assets1.0100%626
Noninterest expense to average assets3.1286%917
Loan and lease loss provision to assets-0.0600%4,460
Net operating income to assets0.8813%2,606
Return on assets (ROA)0.8669%2,621
Pretax return on assets1.1693%2,218
Return on Equity (ROE)6.9000%3,307
Retained earnings to average equity (ytd only)1.7976%3,626
Net charge-offs to loans-0.0491%4,363
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio73.4682%1,510
Assets per employee ($millions)7.1138%1,998
Cash dividends to net income (ytd only)*73.9303%734
Condition Ratios (%)
Loss allowance to loans1.7253%624
Loan loss allowance to noncurrent loans553.8924%1,356
Noncurrent assets plus other real estate owned to assets0.2334%2,047
Noncurrent loans to loans0.3115%2,076
Net loans and leases to total assets73.6300%1,409
Net loans and leases to deposits91.0997%1,174
Net loans and leases to core deposits95.0026%1,711
Total domestic deposits to total assets80.8300%3,336
Equity capital to assets12.7624%917
Core capital (leverage) ratio12.7142%1,140
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8548%952
Memoranda:
Average total assets$6,241,549,200237
Average earning assets$5,727,234,600234
Average equity$784,641,400197
Average total loans$4,656,746,600214
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1571%1,530
Cost of funding earning assets1.5769%1,414
Net interest margin3.5802%2,054
Noninterest income to average assets0.9300%718
Noninterest expense to average assets3.1392%886
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.7937%3,039
Return on assets (ROA)0.8047%3,005
Pretax return on assets1.0860%2,604
Return on Equity (ROE)6.4300%3,558
Retained earnings to average equity (ytd only)-0.4065%4,196
Net charge-offs to loans-0.0511%4,366
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio74.5421%1,318
Assets per employee ($millions)7.0103%1,956
Cash dividends to net income (ytd only)*106.3264%186
Condition Ratios (%)
Loss allowance to loans1.7582%615
Loan loss allowance to noncurrent loans523.4877%1,414
Noncurrent assets plus other real estate owned to assets0.2524%2,005
Noncurrent loans to loans0.3359%2,028
Net loans and leases to total assets73.8400%1,355
Net loans and leases to deposits92.7790%988
Net loans and leases to core deposits96.6242%1,522
Total domestic deposits to total assets79.5800%3,591
Equity capital to assets12.1329%1,006
Core capital (leverage) ratio12.5114%1,229
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.1521%1,074
Memoranda:
Average total assets$6,233,338,750236
Average earning assets$5,719,202,500235
Average equity$780,610,500198
Average total loans$4,645,627,500217
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0141%1,538
Cost of funding earning assets1.3749%1,518
Net interest margin3.6392%1,944
Noninterest income to average assets0.9500%618
Noninterest expense to average assets3.1564%834
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.8940%2,772
Return on assets (ROA)0.9052%2,723
Pretax return on assets1.1529%2,498
Return on Equity (ROE)7.1500%3,449
Retained earnings to average equity (ytd only)-3.0642%4,349
Net charge-offs to loans-0.0806%4,481
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio73.4889%1,404
Assets per employee ($millions)7.0255%1,908
Cash dividends to net income (ytd only)*142.8469%123
Condition Ratios (%)
Loss allowance to loans1.7678%658
Loan loss allowance to noncurrent loans552.2674%1,451
Noncurrent assets plus other real estate owned to assets0.2419%1,985
Noncurrent loans to loans0.3201%1,995
Net loans and leases to total assets74.2300%1,257
Net loans and leases to deposits93.2825%923
Net loans and leases to core deposits96.3901%1,445
Total domestic deposits to total assets79.5800%3,637
Equity capital to assets12.1753%1,000
Core capital (leverage) ratio12.5728%1,144
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0169%1,123
Memoranda:
Average total assets$6,186,995,000233
Average earning assets$5,680,779,000233
Average equity$783,095,667194
Average total loans$4,597,743,000212
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8305%1,553
Cost of funding earning assets1.1394%1,627
Net interest margin3.6911%1,917
Noninterest income to average assets0.9800%598
Noninterest expense to average assets3.1206%903
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8962%2,871
Return on assets (ROA)0.9089%2,781
Pretax return on assets1.2627%2,274
Return on Equity (ROE)7.0400%3,509
Retained earnings to average equity (ytd only)7.0429%2,482
Net charge-offs to loans-0.1222%4,537
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio71.4551%1,582
Assets per employee ($millions)7.0236%1,964
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.8358%617
Loan loss allowance to noncurrent loans539.4117%1,549
Noncurrent assets plus other real estate owned to assets0.2508%1,869
Noncurrent loans to loans0.3403%1,925
Net loans and leases to total assets72.3400%1,388
Net loans and leases to deposits89.6504%1,082
Net loans and leases to core deposits91.0653%1,559
Total domestic deposits to total assets80.6900%3,682
Equity capital to assets12.8712%791
Core capital (leverage) ratio13.3555%870
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4432%915
Memoranda:
Average total assets$6,126,043,500242
Average earning assets$5,626,948,500240
Average equity$790,580,500195
Average total loans$4,512,907,500221
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5669%2,894
Cost of funding earning assets0.2926%2,939
Net interest margin3.2743%2,634
Noninterest income to average assets1.3600%386
Noninterest expense to average assets3.1211%809
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.9572%2,740
Return on assets (ROA)0.9431%2,743
Pretax return on assets1.2449%2,292
Return on Equity (ROE)7.4000%3,542
Retained earnings to average equity (ytd only)3.5339%3,555
Net charge-offs to loans-0.0423%4,306
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio71.1952%1,543
Assets per employee ($millions)6.9068%2,041
Cash dividends to net income (ytd only)*52.2739%1,297
Condition Ratios (%)
Loss allowance to loans1.7321%763
Loan loss allowance to noncurrent loans827.9897%1,133
Noncurrent assets plus other real estate owned to assets0.1541%2,459
Noncurrent loans to loans0.2092%2,445
Net loans and leases to total assets72.3700%1,376
Net loans and leases to deposits86.8955%1,252
Net loans and leases to core deposits87.6139%1,640
Total domestic deposits to total assets83.2800%3,359
Equity capital to assets12.9400%720
Core capital (leverage) ratio12.9148%962
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2703%939
Memoranda:
Average total assets$6,085,546,000238
Average earning assets$5,626,187,400231
Average equity$775,068,800198
Average total loans$4,250,283,600222
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2283%3,365
Cost of funding earning assets0.1461%3,885
Net interest margin3.0822%2,986
Noninterest income to average assets1.4900%365
Noninterest expense to average assets3.0126%890
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.0067%2,460
Return on assets (ROA)1.0162%2,394
Pretax return on assets1.3417%1,913
Return on Equity (ROE)8.0100%3,328
Retained earnings to average equity (ytd only)2.8352%3,818
Net charge-offs to loans-0.0671%4,386
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio69.3789%1,840
Assets per employee ($millions)7.0794%1,887
Cash dividends to net income (ytd only)*64.6064%745
Condition Ratios (%)
Loss allowance to loans1.7808%757
Loan loss allowance to noncurrent loans1,123.7399%878
Noncurrent assets plus other real estate owned to assets0.1131%2,834
Noncurrent loans to loans0.1585%2,815
Net loans and leases to total assets70.1200%1,467
Net loans and leases to deposits82.6309%1,391
Net loans and leases to core deposits83.3218%1,703
Total domestic deposits to total assets84.8600%3,317
Equity capital to assets12.5998%750
Core capital (leverage) ratio12.7534%980
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4296%930
Memoranda:
Average total assets$6,092,613,750240
Average earning assets$5,645,556,250233
Average equity$772,882,500196
Average total loans$4,197,642,500221
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9225%3,733
Cost of funding earning assets0.0606%4,524
Net interest margin2.8619%3,264
Noninterest income to average assets1.6082%305
Noninterest expense to average assets2.9603%895
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.0060%2,130
Return on assets (ROA)1.0156%2,068
Pretax return on assets1.3207%1,683
Return on Equity (ROE)7.9878%3,020
Retained earnings to average equity (ytd only)0.2379%4,145
Net charge-offs to loans-0.0933%4,422
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3475%2,059
Assets per employee ($millions)7.2198%1,793
Cash dividends to net income (ytd only)*97.0214%402
Condition Ratios (%)
Loss allowance to loans1.8521%735
Loan loss allowance to noncurrent loans362.1070%1,909
Noncurrent assets plus other real estate owned to assets0.3496%1,602
Noncurrent loans to loans0.5115%1,601
Net loans and leases to total assets67.0754%1,569
Net loans and leases to deposits78.3941%1,510
Net loans and leases to core deposits79.1373%1,769
Total domestic deposits to total assets85.5618%3,360
Equity capital to assets12.4663%771
Core capital (leverage) ratio12.5754%949
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.7668%889
Memoranda:
Average total assets$6,089,324,333236
Average earning assets$5,660,902,667234
Average equity$774,209,000195
Average total loans$4,144,630,333218
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7037%3,944
Cost of funding earning assets0.0446%4,634
Net interest margin2.6591%3,505
Noninterest income to average assets1.8164%275
Noninterest expense to average assets2.9356%905
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9935%1,899
Return on assets (ROA)1.0035%1,864
Pretax return on assets1.3735%1,319
Return on Equity (ROE)7.8160%2,751
Retained earnings to average equity (ytd only)7.8160%1,635
Net charge-offs to loans-0.0737%4,384
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3255%2,461
Assets per employee ($millions)7.2058%1,853
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.8675%785
Loan loss allowance to noncurrent loans380.4842%1,802
Noncurrent assets plus other real estate owned to assets0.3283%1,803
Noncurrent loans to loans0.4908%1,800
Net loans and leases to total assets65.6325%1,448
Net loans and leases to deposits76.6835%1,388
Net loans and leases to core deposits77.4721%1,657
Total domestic deposits to total assets85.5888%3,385
Equity capital to assets12.8020%736
Core capital (leverage) ratio12.8840%801
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.7781%790
Memoranda:
Average total assets$6,076,408,000239
Average earning assets$5,667,279,000235
Average equity$780,147,500199
Average total loans$4,127,361,000218
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0076%3,856
Cost of funding earning assets0.0577%4,652
Net interest margin2.9500%3,321
Noninterest income to average assets1.7060%395
Noninterest expense to average assets3.0850%860
Loan and lease loss provision to assets-0.1682%4,654
Net operating income to assets1.1750%2,006
Return on assets (ROA)1.1750%2,066
Pretax return on assets1.5483%1,574
Return on Equity (ROE)9.1739%2,846
Retained earnings to average equity (ytd only)5.2334%2,703
Net charge-offs to loans-0.0315%4,143
Credit loss provision to net charge-offs741.2898%640
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0935%1,848
Assets per employee ($millions)7.0838%1,874
Cash dividends to net income (ytd only)*42.9535%1,873
Condition Ratios (%)
Loss allowance to loans1.8086%850
Loan loss allowance to noncurrent loans491.9497%1,448
Noncurrent assets plus other real estate owned to assets0.2536%2,296
Noncurrent loans to loans0.3676%2,267
Net loans and leases to total assets67.7289%1,302
Net loans and leases to deposits79.0282%1,292
Net loans and leases to core deposits79.9740%1,597
Total domestic deposits to total assets85.7022%3,015
Equity capital to assets12.8762%936
Core capital (leverage) ratio12.5567%908
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5425%816
Memoranda:
Average total assets$5,943,930,200233
Average earning assets$5,559,059,200228
Average equity$761,323,200202
Average total loans$4,286,911,800210
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0764%3,861
Cost of funding earning assets0.0610%4,733
Net interest margin3.0155%3,265
Noninterest income to average assets1.7884%400
Noninterest expense to average assets2.9576%1,034
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.2161%2,111
Return on assets (ROA)1.2227%2,148
Pretax return on assets1.6582%1,526
Return on Equity (ROE)9.5593%2,906
Retained earnings to average equity (ytd only)4.2748%3,488
Net charge-offs to loans-0.0280%4,103
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.1930%2,359
Assets per employee ($millions)6.8824%1,949
Cash dividends to net income (ytd only)*55.2812%1,002
Condition Ratios (%)
Loss allowance to loans2.0513%580
Loan loss allowance to noncurrent loans657.9000%1,099
Noncurrent assets plus other real estate owned to assets0.2179%2,689
Noncurrent loans to loans0.3118%2,670
Net loans and leases to total assets68.4359%1,266
Net loans and leases to deposits80.1352%1,283
Net loans and leases to core deposits81.2023%1,638
Total domestic deposits to total assets85.4005%2,983
Equity capital to assets12.8861%1,023
Core capital (leverage) ratio12.7392%916
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5976%874
Memoranda:
Average total assets$5,917,529,750235
Average earning assets$5,531,969,250229
Average equity$756,916,000201
Average total loans$4,315,451,750210
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1040%3,858
Cost of funding earning assets0.0662%4,762
Net interest margin3.0378%3,217
Noninterest income to average assets1.9359%348
Noninterest expense to average assets2.9168%1,120
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.3657%1,664
Return on assets (ROA)1.3739%1,719
Pretax return on assets1.8688%1,078
Return on Equity (ROE)10.7676%2,506
Retained earnings to average equity (ytd only)2.8142%3,899
Net charge-offs to loans-0.0166%3,906
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0808%2,860
Assets per employee ($millions)6.7230%2,005
Cash dividends to net income (ytd only)*73.8643%602
Condition Ratios (%)
Loss allowance to loans1.9960%612
Loan loss allowance to noncurrent loans544.7769%1,196
Noncurrent assets plus other real estate owned to assets0.2705%2,577
Noncurrent loans to loans0.3664%2,591
Net loans and leases to total assets72.3335%922
Net loans and leases to deposits84.7447%1,008
Net loans and leases to core deposits85.9432%1,419
Total domestic deposits to total assets85.3545%2,959
Equity capital to assets13.1194%910
Core capital (leverage) ratio12.6000%889
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.3925%899
Memoranda:
Average total assets$5,912,495,667232
Average earning assets$5,526,597,000227
Average equity$754,392,333201
Average total loans$4,372,244,000211
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1077%3,867
Cost of funding earning assets0.0731%4,782
Net interest margin3.0346%3,171
Noninterest income to average assets2.1648%329
Noninterest expense to average assets2.7498%1,490
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.6677%993
Return on assets (ROA)1.6799%1,022
Pretax return on assets2.2724%617
Return on Equity (ROE)13.3464%1,582
Retained earnings to average equity (ytd only)13.3464%850
Net charge-offs to loans-0.0123%3,762
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9222%3,679
Assets per employee ($millions)7.0101%1,797
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.9115%725
Loan loss allowance to noncurrent loans348.1879%1,570
Noncurrent assets plus other real estate owned to assets0.4020%2,196
Noncurrent loans to loans0.5490%2,213
Net loans and leases to total assets71.6355%1,075
Net loans and leases to deposits84.7740%1,069
Net loans and leases to core deposits85.9549%1,527
Total domestic deposits to total assets84.5017%3,278
Equity capital to assets12.6994%992
Core capital (leverage) ratio12.7885%892
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8365%810
Memoranda:
Average total assets$6,001,394,500228
Average earning assets$5,620,437,500221
Average equity$755,408,500201
Average total loans$4,442,071,000210
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5325%3,960
Cost of funding earning assets0.2449%4,402
Net interest margin3.2876%3,097
Noninterest income to average assets2.1491%305
Noninterest expense to average assets2.9160%1,643
Loan and lease loss provision to assets0.2588%1,501
Net operating income to assets1.5259%755
Return on assets (ROA)1.5272%816
Pretax return on assets2.0499%411
Return on Equity (ROE)12.6584%1,133
Retained earnings to average equity (ytd only)9.7983%628
Net charge-offs to loans-0.1805%4,882
Credit loss provision to net charge-offs-184.5018%3,795
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8291%4,004
Assets per employee ($millions)6.7577%1,735
Cash dividends to net income (ytd only)*22.5948%3,140
Condition Ratios (%)
Loss allowance to loans1.8793%754
Loan loss allowance to noncurrent loans255.5549%1,940
Noncurrent assets plus other real estate owned to assets0.5532%1,902
Noncurrent loans to loans0.7354%1,865
Net loans and leases to total assets73.6048%1,080
Net loans and leases to deposits85.9230%1,260
Net loans and leases to core deposits87.1904%1,775
Total domestic deposits to total assets85.6636%2,504
Equity capital to assets12.4737%1,342
Core capital (leverage) ratio11.8505%1,299
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.8348%923
Memoranda:
Average total assets$5,796,104,200225
Average earning assets$5,419,365,400221
Average equity$699,265,800203
Average total loans$4,504,186,600203
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5348%4,148
Cost of funding earning assets0.2945%4,337
Net interest margin3.2403%3,365
Noninterest income to average assets1.4641%543
Noninterest expense to average assets2.7516%2,114
Loan and lease loss provision to assets0.2317%1,753
Net operating income to assets1.1614%1,778
Return on assets (ROA)1.1171%2,043
Pretax return on assets1.4528%1,570
Return on Equity (ROE)9.3414%2,263
Retained earnings to average equity (ytd only)5.4655%2,340
Net charge-offs to loans-0.1964%4,928
Credit loss provision to net charge-offs-150.4664%3,609
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2534%3,184
Assets per employee ($millions)6.4661%1,861
Cash dividends to net income (ytd only)*41.4912%1,870
Condition Ratios (%)
Loss allowance to loans1.6151%1,057
Loan loss allowance to noncurrent loans249.4201%1,865
Noncurrent assets plus other real estate owned to assets0.5132%2,155
Noncurrent loans to loans0.6476%2,171
Net loans and leases to total assets77.8066%854
Net loans and leases to deposits90.0333%1,262
Net loans and leases to core deposits91.5897%1,832
Total domestic deposits to total assets86.4198%1,890
Equity capital to assets11.5861%1,944
Core capital (leverage) ratio11.1289%1,809
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9869%1,251
Memoranda:
Average total assets$5,753,363,000225
Average earning assets$5,376,568,250219
Average equity$688,003,500203
Average total loans$4,511,191,250203
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6718%4,141
Cost of funding earning assets0.3729%4,156
Net interest margin3.2990%3,390
Noninterest income to average assets1.2393%660
Noninterest expense to average assets2.7088%2,362
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.1897%1,670
Return on assets (ROA)1.1897%1,801
Pretax return on assets1.6130%1,198
Return on Equity (ROE)9.8392%2,034
Retained earnings to average equity (ytd only)3.9792%2,919
Net charge-offs to loans-0.1247%4,880
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6776%3,013
Assets per employee ($millions)6.4143%1,852
Cash dividends to net income (ytd only)*59.5575%1,260
Condition Ratios (%)
Loss allowance to loans1.3361%1,846
Loan loss allowance to noncurrent loans307.0028%1,517
Noncurrent assets plus other real estate owned to assets0.3360%2,959
Noncurrent loans to loans0.4352%2,861
Net loans and leases to total assets75.8112%1,161
Net loans and leases to deposits88.1370%1,543
Net loans and leases to core deposits89.8062%2,084
Total domestic deposits to total assets86.0152%2,004
Equity capital to assets11.1111%2,242
Core capital (leverage) ratio10.9073%2,034
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8521%1,287
Memoranda:
Average total assets$5,645,109,667222
Average earning assets$5,274,462,333220
Average equity$682,599,000204
Average total loans$4,412,648,667202
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9932%3,804
Cost of funding earning assets0.5138%3,874
Net interest margin3.4794%3,044
Noninterest income to average assets1.0078%845
Noninterest expense to average assets3.0775%1,699
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.8721%2,609
Return on assets (ROA)0.8721%2,715
Pretax return on assets1.1723%2,295
Return on Equity (ROE)6.8889%2,998
Retained earnings to average equity (ytd only)6.8889%1,581
Net charge-offs to loans-0.3753%5,001
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4149%2,016
Assets per employee ($millions)5.6753%1,954
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5186%1,279
Loan loss allowance to noncurrent loans939.8582%590
Noncurrent assets plus other real estate owned to assets0.1358%3,962
Noncurrent loans to loans0.1616%3,881
Net loans and leases to total assets76.3720%1,236
Net loans and leases to deposits88.6050%1,679
Net loans and leases to core deposits90.7820%2,272
Total domestic deposits to total assets86.1937%1,925
Equity capital to assets12.4359%1,773
Core capital (leverage) ratio12.5415%1,427
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5529%1,456
Memoranda:
Average total assets$5,363,125,000228
Average earning assets$4,997,147,000224
Average equity$678,950,000206
Average total loans$4,233,512,000206
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5109%2,906
Cost of funding earning assets0.7060%3,133
Net interest margin3.8049%2,491
Noninterest income to average assets1.3773%509
Noninterest expense to average assets3.3647%1,174
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1302%2,339
Return on assets (ROA)1.1458%2,367
Pretax return on assets1.5541%1,637
Return on Equity (ROE)8.9650%2,771
Retained earnings to average equity (ytd only)6.6636%1,540
Net charge-offs to loans0.0805%1,954
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)23.6953%1,805
Efficiency ratio68.6287%2,366
Assets per employee ($millions)5.1995%2,344
Cash dividends to net income (ytd only)*25.6709%3,274
Condition Ratios (%)
Loss allowance to loans1.4559%1,347
Loan loss allowance to noncurrent loans359.8926%1,300
Noncurrent assets plus other real estate owned to assets0.3940%2,824
Noncurrent loans to loans0.4045%2,987
Net loans and leases to total assets79.2362%892
Net loans and leases to deposits93.9049%1,164
Net loans and leases to core deposits96.6362%1,841
Total domestic deposits to total assets84.3792%2,727
Equity capital to assets12.8965%1,585
Core capital (leverage) ratio12.3134%1,585
Tier 1 risk-based capital ratio15.2108%2,694
Total risk-based capital ratio16.4633%2,627
Memoranda:
Average total assets$5,099,506,000222
Average earning assets$4,719,978,200220
Average equity$651,775,800210
Average total loans$4,102,417,800202
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5866%2,771
Cost of funding earning assets0.7398%3,015
Net interest margin3.8468%2,451
Noninterest income to average assets1.3457%518
Noninterest expense to average assets3.3046%1,258
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1761%2,274
Return on assets (ROA)1.1970%2,283
Pretax return on assets1.6241%1,550
Return on Equity (ROE)9.3875%2,723
Retained earnings to average equity (ytd only)6.2951%2,226
Net charge-offs to loans0.1412%1,146
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)14.0639%2,260
Efficiency ratio67.3488%2,517
Assets per employee ($millions)5.2936%2,234
Cash dividends to net income (ytd only)*32.9410%2,468
Condition Ratios (%)
Loss allowance to loans1.4385%1,424
Loan loss allowance to noncurrent loans334.9830%1,377
Noncurrent assets plus other real estate owned to assets0.4002%2,908
Noncurrent loans to loans0.4294%3,019
Net loans and leases to total assets78.1694%1,110
Net loans and leases to deposits90.9859%1,569
Net loans and leases to core deposits93.6272%2,211
Total domestic deposits to total assets85.9137%2,030
Equity capital to assets12.6251%1,828
Core capital (leverage) ratio12.4261%1,616
Tier 1 risk-based capital ratio15.1385%2,787
Total risk-based capital ratio16.3910%2,720
Memoranda:
Average total assets$5,071,912,000225
Average earning assets$4,689,103,250221
Average equity$646,747,000213
Average total loans$4,080,746,500204
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5896%2,707
Cost of funding earning assets0.7587%2,851
Net interest margin3.8309%2,476
Noninterest income to average assets1.3748%463
Noninterest expense to average assets3.3316%1,229
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1690%2,262
Return on assets (ROA)1.2000%2,212
Pretax return on assets1.6251%1,468
Return on Equity (ROE)9.3778%2,690
Retained earnings to average equity (ytd only)4.6984%2,919
Net charge-offs to loans-0.0379%4,749
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6859%2,588
Assets per employee ($millions)5.1596%2,295
Cash dividends to net income (ytd only)*49.8985%1,802
Condition Ratios (%)
Loss allowance to loans1.5837%1,062
Loan loss allowance to noncurrent loans459.4308%1,076
Noncurrent assets plus other real estate owned to assets0.3403%3,176
Noncurrent loans to loans0.3447%3,309
Net loans and leases to total assets79.5522%953
Net loans and leases to deposits93.2464%1,347
Net loans and leases to core deposits96.0790%2,063
Total domestic deposits to total assets85.3140%2,339
Equity capital to assets12.7484%1,726
Core capital (leverage) ratio12.2333%1,681
Tier 1 risk-based capital ratio14.7817%2,925
Total risk-based capital ratio16.0358%2,852
Memoranda:
Average total assets$5,010,352,000229
Average earning assets$4,633,523,000223
Average equity$641,113,000214
Average total loans$4,051,323,330205
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5740%2,627
Cost of funding earning assets0.7398%2,835
Net interest margin3.8342%2,403
Noninterest income to average assets1.3491%474
Noninterest expense to average assets3.3847%1,138
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1176%2,401
Return on assets (ROA)1.1439%2,344
Pretax return on assets1.5420%1,631
Return on Equity (ROE)8.9230%2,840
Retained earnings to average equity (ytd only)8.9230%1,344
Net charge-offs to loans-0.0160%4,403
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1047%2,486
Assets per employee ($millions)5.0870%2,417
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5972%1,066
Loan loss allowance to noncurrent loans407.3695%1,234
Noncurrent assets plus other real estate owned to assets0.4015%2,980
Noncurrent loans to loans0.3921%3,182
Net loans and leases to total assets79.9824%836
Net loans and leases to deposits93.8163%1,194
Net loans and leases to core deposits97.0109%1,854
Total domestic deposits to total assets85.2542%2,580
Equity capital to assets13.0122%1,446
Core capital (leverage) ratio12.2913%1,611
Tier 1 risk-based capital ratio14.8904%2,922
Total risk-based capital ratio16.1446%2,852
Memoranda:
Average total assets$4,974,433,500230
Average earning assets$4,598,343,000224
Average equity$637,721,000217
Average total loans$4,022,959,000207
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2989%3,113
Cost of funding earning assets0.4770%3,503
Net interest margin3.8219%2,584
Noninterest income to average assets1.5102%401
Noninterest expense to average assets3.5524%927
Loan and lease loss provision to assets-0.1237%5,288
Net operating income to assets1.1934%2,207
Return on assets (ROA)1.1735%2,285
Pretax return on assets1.5674%1,557
Return on Equity (ROE)9.4016%2,789
Retained earnings to average equity (ytd only)7.7442%1,355
Net charge-offs to loans-0.2133%5,275
Credit loss provision to net charge-offs72.2289%2,963
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6841%2,078
Assets per employee ($millions)5.1117%2,369
Cash dividends to net income (ytd only)*17.6283%3,573
Condition Ratios (%)
Loss allowance to loans1.6032%1,026
Loan loss allowance to noncurrent loans479.1906%1,128
Noncurrent assets plus other real estate owned to assets0.3556%3,120
Noncurrent loans to loans0.3346%3,350
Net loans and leases to total assets79.1764%1,066
Net loans and leases to deposits92.7828%1,426
Net loans and leases to core deposits95.7027%2,083
Total domestic deposits to total assets85.3352%2,496
Equity capital to assets12.6284%1,523
Core capital (leverage) ratio11.9562%1,769
Tier 1 risk-based capital ratio14.5971%3,020
Total risk-based capital ratio15.8881%2,921
Memoranda:
Average total assets$4,834,058,200230
Average earning assets$4,440,795,600225
Average equity$603,378,600216
Average total loans$3,882,780,400208
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2115%3,280
Cost of funding earning assets0.4281%3,676
Net interest margin3.7835%2,705
Noninterest income to average assets1.6209%372
Noninterest expense to average assets3.5372%937
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.1520%2,429
Return on assets (ROA)1.1499%2,449
Pretax return on assets1.5536%1,726
Return on Equity (ROE)9.2406%2,979
Retained earnings to average equity (ytd only)7.0068%2,123
Net charge-offs to loans-0.2693%5,345
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3826%2,291
Assets per employee ($millions)5.0411%2,422
Cash dividends to net income (ytd only)*24.1739%2,829
Condition Ratios (%)
Loss allowance to loans1.7582%784
Loan loss allowance to noncurrent loans496.2304%1,104
Noncurrent assets plus other real estate owned to assets0.3704%3,193
Noncurrent loans to loans0.3543%3,383
Net loans and leases to total assets78.7501%1,208
Net loans and leases to deposits96.5105%1,091
Net loans and leases to core deposits99.7915%1,810
Total domestic deposits to total assets81.5974%3,708
Equity capital to assets12.3446%1,676
Core capital (leverage) ratio11.9572%1,812
Tier 1 risk-based capital ratio14.2076%3,268
Total risk-based capital ratio15.5004%3,162
Memoranda:
Average total assets$4,796,584,500229
Average earning assets$4,402,489,250226
Average equity$596,874,250217
Average total loans$3,850,873,500209
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1168%3,390
Cost of funding earning assets0.3818%3,854
Net interest margin3.7350%2,809
Noninterest income to average assets1.6781%360
Noninterest expense to average assets3.5716%902
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.1396%2,437
Return on assets (ROA)1.1364%2,457
Pretax return on assets1.5306%1,707
Return on Equity (ROE)9.1068%2,969
Retained earnings to average equity (ytd only)5.7291%2,709
Net charge-offs to loans-0.2200%5,342
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8816%2,333
Assets per employee ($millions)4.8777%2,591
Cash dividends to net income (ytd only)*37.0892%2,282
Condition Ratios (%)
Loss allowance to loans1.7256%861
Loan loss allowance to noncurrent loans483.2080%1,122
Noncurrent assets plus other real estate owned to assets0.3746%3,247
Noncurrent loans to loans0.3571%3,418
Net loans and leases to total assets78.5352%1,240
Net loans and leases to deposits95.6829%1,179
Net loans and leases to core deposits98.7623%1,831
Total domestic deposits to total assets82.0787%3,698
Equity capital to assets12.4554%1,564
Core capital (leverage) ratio11.8813%1,784
Tier 1 risk-based capital ratio14.2239%3,250
Total risk-based capital ratio15.5175%3,145
Memoranda:
Average total assets$4,745,317,670228
Average earning assets$4,355,376,000228
Average equity$592,131,000213
Average total loans$3,811,764,000208
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0311%3,501
Cost of funding earning assets0.3497%3,997
Net interest margin3.6814%2,876
Noninterest income to average assets1.8225%304
Noninterest expense to average assets3.5205%966
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.2529%1,798
Return on assets (ROA)1.2466%1,833
Pretax return on assets1.6723%1,185
Return on Equity (ROE)9.9808%2,442
Retained earnings to average equity (ytd only)9.9808%1,165
Net charge-offs to loans-0.0131%4,363
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6268%2,892
Assets per employee ($millions)4.7731%2,764
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.6324%1,090
Loan loss allowance to noncurrent loans388.9118%1,350
Noncurrent assets plus other real estate owned to assets0.4109%3,184
Noncurrent loans to loans0.4197%3,276
Net loans and leases to total assets79.3742%1,025
Net loans and leases to deposits94.9871%1,134
Net loans and leases to core deposits97.8605%1,842
Total domestic deposits to total assets83.5631%3,478
Equity capital to assets12.6335%1,413
Core capital (leverage) ratio11.8188%1,765
Tier 1 risk-based capital ratio14.1489%3,303
Total risk-based capital ratio15.4415%3,202
Memoranda:
Average total assets$4,718,166,000228
Average earning assets$4,329,874,000229
Average equity$589,291,500215
Average total loans$3,799,857,000208
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8262%3,961
Cost of funding earning assets0.2740%4,371
Net interest margin3.5522%3,332
Noninterest income to average assets1.5340%448
Noninterest expense to average assets3.6856%813
Loan and lease loss provision to assets-0.1589%5,545
Net operating income to assets0.7992%3,161
Return on assets (ROA)0.7977%3,210
Pretax return on assets1.2505%2,552
Return on Equity (ROE)6.4488%3,555
Retained earnings to average equity (ytd only)6.4488%1,302
Net charge-offs to loans-0.1961%5,520
Credit loss provision to net charge-offs101.2287%2,533
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0388%1,477
Assets per employee ($millions)4.7875%2,750
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.6338%1,065
Loan loss allowance to noncurrent loans367.9765%1,418
Noncurrent assets plus other real estate owned to assets0.4358%3,124
Noncurrent loans to loans0.4440%3,188
Net loans and leases to total assets79.0690%1,106
Net loans and leases to deposits94.5383%1,215
Net loans and leases to core deposits97.3726%1,908
Total domestic deposits to total assets83.6370%3,338
Equity capital to assets12.3463%1,614
Core capital (leverage) ratio11.4631%1,964
Tier 1 risk-based capital ratio13.7239%3,508
Total risk-based capital ratio15.0574%3,379
Memoranda:
Average total assets$4,563,967,000221
Average earning assets$4,169,944,600220
Average equity$564,566,600212
Average total loans$3,651,776,000204
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7735%4,087
Cost of funding earning assets0.2623%4,461
Net interest margin3.5112%3,466
Noninterest income to average assets1.5651%445
Noninterest expense to average assets3.5255%952
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7768%3,612
Return on assets (ROA)0.7768%3,665
Pretax return on assets1.2446%2,736
Return on Equity (ROE)6.2764%3,993
Retained earnings to average equity (ytd only)6.2764%2,071
Net charge-offs to loans-0.2122%5,553
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8357%1,921
Assets per employee ($millions)4.7565%2,751
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.8278%809
Loan loss allowance to noncurrent loans312.5749%1,535
Noncurrent assets plus other real estate owned to assets0.5449%2,888
Noncurrent loans to loans0.5848%2,944
Net loans and leases to total assets77.3723%1,370
Net loans and leases to deposits96.9385%1,012
Net loans and leases to core deposits99.7956%1,723
Total domestic deposits to total assets79.8158%4,358
Equity capital to assets12.1829%1,846
Core capital (leverage) ratio11.6958%1,890
Tier 1 risk-based capital ratio13.5772%3,650
Total risk-based capital ratio14.9129%3,534
Memoranda:
Average total assets$4,524,841,750224
Average earning assets$4,130,313,750222
Average equity$560,007,000212
Average total loans$3,616,115,250205
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7207%4,158
Cost of funding earning assets0.2452%4,587
Net interest margin3.4755%3,489
Noninterest income to average assets1.5631%447
Noninterest expense to average assets3.5105%992
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7646%3,570
Return on assets (ROA)0.7646%3,616
Pretax return on assets1.2216%2,689
Return on Equity (ROE)6.1439%3,985
Retained earnings to average equity (ytd only)6.1439%2,039
Net charge-offs to loans-0.2184%5,590
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1102%1,992
Assets per employee ($millions)4.5940%2,957
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.8102%871
Loan loss allowance to noncurrent loans271.6332%1,717
Noncurrent assets plus other real estate owned to assets0.6264%2,688
Noncurrent loans to loans0.6664%2,751
Net loans and leases to total assets79.1093%1,080
Net loans and leases to deposits98.8129%823
Net loans and leases to core deposits101.8401%1,524
Total domestic deposits to total assets80.0597%4,396
Equity capital to assets12.4779%1,633
Core capital (leverage) ratio11.6633%1,859
Tier 1 risk-based capital ratio13.6733%3,607
Total risk-based capital ratio15.0120%3,472
Memoranda:
Average total assets$4,463,476,670230
Average earning assets$4,069,895,000229
Average equity$555,447,000216
Average total loans$3,584,405,000209
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6890%4,143
Cost of funding earning assets0.2306%4,712
Net interest margin3.4584%3,426
Noninterest income to average assets1.5877%445
Noninterest expense to average assets3.5708%939
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7328%3,546
Return on assets (ROA)0.7328%3,599
Pretax return on assets1.1686%2,713
Return on Equity (ROE)5.8970%3,963
Retained earnings to average equity (ytd only)5.8970%2,393
Net charge-offs to loans-0.1739%5,595
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2689%2,025
Assets per employee ($millions)4.4564%3,239
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.7958%967
Loan loss allowance to noncurrent loans234.2722%1,986
Noncurrent assets plus other real estate owned to assets0.7171%2,501
Noncurrent loans to loans0.7666%2,563
Net loans and leases to total assets78.8643%1,001
Net loans and leases to deposits95.6845%961
Net loans and leases to core deposits98.4314%1,627
Total domestic deposits to total assets82.4212%4,052
Equity capital to assets12.5832%1,473
Core capital (leverage) ratio11.5495%1,909
Tier 1 risk-based capital ratio13.6530%3,681
Total risk-based capital ratio14.9938%3,541
Memoranda:
Average total assets$4,432,693,000233
Average earning assets$4,039,593,500231
Average equity$550,854,500217
Average total loans$3,553,744,500210
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6287%4,440
Cost of funding earning assets0.2216%4,818
Net interest margin3.4072%3,803
Noninterest income to average assets1.5914%485
Noninterest expense to average assets3.5724%1,049
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6999%3,784
Return on assets (ROA)0.6884%3,946
Pretax return on assets1.1060%3,079
Return on Equity (ROE)5.6336%4,148
Retained earnings to average equity (ytd only)5.6336%1,931
Net charge-offs to loans-0.0791%5,519
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9897%1,983
Assets per employee ($millions)4.4805%3,142
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.7416%1,058
Loan loss allowance to noncurrent loans225.1759%2,059
Noncurrent assets plus other real estate owned to assets0.7358%2,523
Noncurrent loans to loans0.7735%2,591
Net loans and leases to total assets78.6433%1,099
Net loans and leases to deposits94.3245%1,165
Net loans and leases to core deposits97.3296%1,813
Total domestic deposits to total assets83.3753%3,636
Equity capital to assets12.2725%1,647
Core capital (leverage) ratio10.9683%2,371
Tier 1 risk-based capital ratio13.2592%3,919
Total risk-based capital ratio14.6428%3,736
Memoranda:
Average total assets$4,360,379,000223
Average earning assets$3,973,613,800217
Average equity$532,836,600208
Average total loans$3,462,274,000204
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5986%4,557
Cost of funding earning assets0.2194%4,883
Net interest margin3.3793%3,920
Noninterest income to average assets1.4925%540
Noninterest expense to average assets3.5093%1,136
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6678%4,008
Return on assets (ROA)0.6678%4,132
Pretax return on assets1.0642%3,377
Return on Equity (ROE)5.4707%4,321
Retained earnings to average equity (ytd only)5.4707%2,500
Net charge-offs to loans-0.0786%5,499
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6534%1,883
Assets per employee ($millions)4.5468%3,005
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.7293%1,145
Loan loss allowance to noncurrent loans264.7112%1,804
Noncurrent assets plus other real estate owned to assets0.6378%2,990
Noncurrent loans to loans0.6533%3,063
Net loans and leases to total assets76.7753%1,401
Net loans and leases to deposits93.1130%1,355
Net loans and leases to core deposits96.4942%1,942
Total domestic deposits to total assets82.4540%3,795
Equity capital to assets11.9245%2,168
Core capital (leverage) ratio10.9463%2,508
Tier 1 risk-based capital ratio12.7260%4,328
Total risk-based capital ratio14.2257%4,093
Memoranda:
Average total assets$4,337,076,250224
Average earning assets$3,954,257,500219
Average equity$529,404,250208
Average total loans$3,436,709,750203
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6160%4,543
Cost of funding earning assets0.2198%4,940
Net interest margin3.3962%3,909
Noninterest income to average assets1.4187%572
Noninterest expense to average assets3.5657%1,058
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.5962%4,288
Return on assets (ROA)0.5962%4,411
Pretax return on assets0.9436%3,794
Return on Equity (ROE)4.8450%4,577
Retained earnings to average equity (ytd only)4.8450%2,828
Net charge-offs to loans-0.0233%5,008
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.9932%1,637
Assets per employee ($millions)4.4204%3,180
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.7191%1,237
Loan loss allowance to noncurrent loans253.2666%1,876
Noncurrent assets plus other real estate owned to assets0.6633%3,014
Noncurrent loans to loans0.6788%3,036
Net loans and leases to total assets78.1166%1,185
Net loans and leases to deposits95.4279%1,145
Net loans and leases to core deposits99.0019%1,724
Total domestic deposits to total assets81.8593%4,035
Equity capital to assets12.1921%1,979
Core capital (leverage) ratio11.0537%2,381
Tier 1 risk-based capital ratio12.6661%4,405
Total risk-based capital ratio14.1693%4,164
Memoranda:
Average total assets$4,268,683,670227
Average earning assets$3,884,641,330222
Average equity$525,325,000209
Average total loans$3,399,380,000206
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6470%4,481
Cost of funding earning assets0.2188%5,017
Net interest margin3.4282%3,773
Noninterest income to average assets1.4143%558
Noninterest expense to average assets3.6097%1,006
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.5839%4,255
Return on assets (ROA)0.5839%4,372
Pretax return on assets0.9221%3,756
Return on Equity (ROE)4.7219%4,614
Retained earnings to average equity (ytd only)4.7219%3,103
Net charge-offs to loans-0.0503%5,333
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5718%1,656
Assets per employee ($millions)4.3564%3,311
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7750%1,201
Loan loss allowance to noncurrent loans230.0423%2,013
Noncurrent assets plus other real estate owned to assets0.7176%2,920
Noncurrent loans to loans0.7716%2,909
Net loans and leases to total assets77.6246%1,149
Net loans and leases to deposits94.6410%1,079
Net loans and leases to core deposits98.2342%1,620
Total domestic deposits to total assets82.0201%4,217
Equity capital to assets12.3317%1,796
Core capital (leverage) ratio11.0138%2,399
Tier 1 risk-based capital ratio12.5724%4,535
Total risk-based capital ratio14.0811%4,285
Memoranda:
Average total assets$4,217,113,500227
Average earning assets$3,834,815,000224
Average equity$521,480,000210
Average total loans$3,361,640,000205
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6738%4,446
Cost of funding earning assets0.2195%5,098
Net interest margin3.4542%3,701
Noninterest income to average assets1.6688%469
Noninterest expense to average assets3.7900%876
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.6338%4,118
Return on assets (ROA)0.6342%4,205
Pretax return on assets0.9965%3,490
Return on Equity (ROE)5.0462%4,481
Retained earnings to average equity (ytd only)5.0462%2,380
Net charge-offs to loans-0.1543%5,903
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1115%1,802
Assets per employee ($millions)4.2900%3,405
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans2.4941%397
Loan loss allowance to noncurrent loans271.4957%1,808
Noncurrent assets plus other real estate owned to assets0.8748%2,483
Noncurrent loans to loans0.9186%2,504
Net loans and leases to total assets78.9844%995
Net loans and leases to deposits95.7724%1,036
Net loans and leases to core deposits99.4497%1,556
Total domestic deposits to total assets82.4709%4,025
Equity capital to assets12.3992%1,671
Core capital (leverage) ratio11.1945%2,223
Tier 1 risk-based capital ratio12.6227%4,558
Total risk-based capital ratio14.2281%4,243
Memoranda:
Average total assets$4,027,050,000224
Average earning assets$3,633,960,600222
Average equity$506,141,600207
Average total loans$3,210,740,800202
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6744%4,508
Cost of funding earning assets0.2216%5,162
Net interest margin3.4528%3,739
Noninterest income to average assets1.6706%466
Noninterest expense to average assets3.7295%931
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.6467%4,149
Return on assets (ROA)0.6471%4,260
Pretax return on assets1.0544%3,393
Return on Equity (ROE)5.1304%4,567
Retained earnings to average equity (ytd only)5.1304%2,818
Net charge-offs to loans-0.1417%5,907
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8862%1,959
Assets per employee ($millions)4.2053%3,506
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.4975%438
Loan loss allowance to noncurrent loans269.3665%1,756
Noncurrent assets plus other real estate owned to assets0.9218%2,555
Noncurrent loans to loans0.9272%2,655
Net loans and leases to total assets78.9463%964
Net loans and leases to deposits94.3307%1,167
Net loans and leases to core deposits98.0097%1,694
Total domestic deposits to total assets83.6910%3,541
Equity capital to assets12.5337%1,731
Core capital (leverage) ratio11.1391%2,362
Tier 1 risk-based capital ratio12.6233%4,666
Total risk-based capital ratio14.2384%4,360
Memoranda:
Average total assets$3,990,267,000229
Average earning assets$3,597,263,500226
Average equity$503,286,000210
Average total loans$3,168,105,250205
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6711%4,499
Cost of funding earning assets0.2247%5,196
Net interest margin3.4464%3,727
Noninterest income to average assets1.6942%468
Noninterest expense to average assets3.7193%966
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.6530%4,109
Return on assets (ROA)0.6536%4,213
Pretax return on assets1.0779%3,268
Return on Equity (ROE)5.1706%4,540
Retained earnings to average equity (ytd only)5.1706%2,752
Net charge-offs to loans-0.1489%5,931
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4617%2,143
Assets per employee ($millions)4.1607%3,546
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.5585%456
Loan loss allowance to noncurrent loans348.9770%1,408
Noncurrent assets plus other real estate owned to assets0.7828%3,038
Noncurrent loans to loans0.7331%3,281
Net loans and leases to total assets77.4180%1,149
Net loans and leases to deposits92.4823%1,322
Net loans and leases to core deposits96.0622%1,793
Total domestic deposits to total assets83.7111%3,686
Equity capital to assets12.5753%1,615
Core capital (leverage) ratio11.1672%2,273
Tier 1 risk-based capital ratio13.0557%4,489
Total risk-based capital ratio14.6782%4,192
Memoranda:
Average total assets$3,956,439,330232
Average earning assets$3,561,279,000230
Average equity$500,099,000213
Average total loans$3,119,797,670209
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6993%4,369
Cost of funding earning assets0.2291%5,227
Net interest margin3.4702%3,551
Noninterest income to average assets1.6723%456
Noninterest expense to average assets3.5792%1,165
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7530%3,521
Return on assets (ROA)0.7530%3,657
Pretax return on assets1.2179%2,596
Return on Equity (ROE)5.9417%4,064
Retained earnings to average equity (ytd only)5.9417%2,534
Net charge-offs to loans-0.2062%6,066
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5284%2,729
Assets per employee ($millions)4.0827%3,801
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.6202%451
Loan loss allowance to noncurrent loans287.6132%1,662
Noncurrent assets plus other real estate owned to assets0.9538%2,718
Noncurrent loans to loans0.9110%2,964
Net loans and leases to total assets76.5340%1,131
Net loans and leases to deposits92.4486%1,138
Net loans and leases to core deposits96.5051%1,580
Total domestic deposits to total assets82.7854%4,240
Equity capital to assets12.7513%1,541
Core capital (leverage) ratio10.9337%2,482
Tier 1 risk-based capital ratio13.2897%4,444
Total risk-based capital ratio14.9298%4,140
Memoranda:
Average total assets$3,925,059,000231
Average earning assets$3,534,310,500231
Average equity$497,435,000210
Average total loans$3,083,054,500206
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8066%4,471
Cost of funding earning assets0.2412%5,414
Net interest margin3.5653%3,539
Noninterest income to average assets1.6741%457
Noninterest expense to average assets3.8219%957
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.6697%4,039
Return on assets (ROA)0.6888%4,066
Pretax return on assets1.0679%3,215
Return on Equity (ROE)5.3831%4,469
Retained earnings to average equity (ytd only)-10.7375%6,328
Net charge-offs to loans0.2527%1,694
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)5.3370%3,448
Efficiency ratio78.5572%2,124
Assets per employee ($millions)4.0438%3,849
Cash dividends to net income (ytd only)*299.4684%44
Condition Ratios (%)
Loss allowance to loans2.5804%496
Loan loss allowance to noncurrent loans256.0218%1,863
Noncurrent assets plus other real estate owned to assets1.0558%2,639
Noncurrent loans to loans1.0079%2,811
Net loans and leases to total assets76.4768%1,199
Net loans and leases to deposits92.2339%1,263
Net loans and leases to core deposits96.3019%1,690
Total domestic deposits to total assets82.9161%4,110
Equity capital to assets12.5951%1,587
Core capital (leverage) ratio10.6022%2,833
Tier 1 risk-based capital ratio13.5306%4,392
Total risk-based capital ratio15.3014%3,981
Memoranda:
Average total assets$3,878,588,800221
Average earning assets$3,465,797,800221
Average equity$496,261,400206
Average total loans$2,985,151,600200
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7872%4,586
Cost of funding earning assets0.2444%5,463
Net interest margin3.5429%3,659
Noninterest income to average assets1.6638%471
Noninterest expense to average assets3.8134%957
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.6576%4,178
Return on assets (ROA)0.6836%4,112
Pretax return on assets1.0519%3,369
Return on Equity (ROE)5.3215%4,567
Retained earnings to average equity (ytd only)-16.1425%6,454
Net charge-offs to loans0.2406%1,601
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)5.4925%3,251
Efficiency ratio78.9444%2,061
Assets per employee ($millions)3.9402%4,011
Cash dividends to net income (ytd only)*403.3478%23
Condition Ratios (%)
Loss allowance to loans2.7068%487
Loan loss allowance to noncurrent loans212.4017%2,056
Noncurrent assets plus other real estate owned to assets1.2973%2,384
Noncurrent loans to loans1.2744%2,513
Net loans and leases to total assets77.9232%971
Net loans and leases to deposits93.1436%1,113
Net loans and leases to core deposits94.8642%1,770
Total domestic deposits to total assets83.6592%3,896
Equity capital to assets12.9258%1,467
Core capital (leverage) ratio10.4714%3,074
Tier 1 risk-based capital ratio13.5113%4,531
Total risk-based capital ratio15.2953%4,123
Memoranda:
Average total assets$3,868,619,500218
Average earning assets$3,452,281,000220
Average equity$496,943,500206
Average total loans$2,962,416,250199
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7237%4,788
Cost of funding earning assets0.2450%5,532
Net interest margin3.4787%3,864
Noninterest income to average assets1.5662%511
Noninterest expense to average assets3.6525%1,206
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.6624%4,034
Return on assets (ROA)0.7009%3,926
Pretax return on assets1.0753%3,195
Return on Equity (ROE)5.4673%4,451
Retained earnings to average equity (ytd only)-26.5030%6,570
Net charge-offs to loans0.2117%1,760
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)6.3608%2,781
Efficiency ratio78.1503%2,270
Assets per employee ($millions)4.1003%3,644
Cash dividends to net income (ytd only)*584.7526%25
Condition Ratios (%)
Loss allowance to loans2.7721%484
Loan loss allowance to noncurrent loans313.5284%1,455
Noncurrent assets plus other real estate owned to assets1.0811%2,899
Noncurrent loans to loans0.8842%3,491
Net loans and leases to total assets75.2987%1,264
Net loans and leases to deposits88.9809%1,481
Net loans and leases to core deposits90.8888%2,044
Total domestic deposits to total assets84.6235%3,673
Equity capital to assets12.3255%1,759
Core capital (leverage) ratio10.2970%3,220
Tier 1 risk-based capital ratio13.2191%4,773
Total risk-based capital ratio15.0024%4,365
Memoranda:
Average total assets$3,903,867,000217
Average earning assets$3,481,456,330215
Average equity$500,464,000204
Average total loans$2,945,311,670196
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7097%4,814
Cost of funding earning assets0.2483%5,593
Net interest margin3.4613%3,855
Noninterest income to average assets1.6025%475
Noninterest expense to average assets3.6296%1,251
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6919%3,730
Return on assets (ROA)0.6919%3,808
Pretax return on assets1.0603%3,085
Return on Equity (ROE)5.2951%4,390
Retained earnings to average equity (ytd only)-57.4334%6,681
Net charge-offs to loans-0.0595%5,886
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3064%2,594
Assets per employee ($millions)4.1742%3,583
Cash dividends to net income (ytd only)*1,184.6587%12
Condition Ratios (%)
Loss allowance to loans2.9905%441
Loan loss allowance to noncurrent loans269.9329%1,625
Noncurrent assets plus other real estate owned to assets1.2068%2,846
Noncurrent loans to loans1.1079%3,208
Net loans and leases to total assets72.7613%1,454
Net loans and leases to deposits86.1808%1,584
Net loans and leases to core deposits88.0736%2,084
Total domestic deposits to total assets84.4287%4,112
Equity capital to assets12.1658%1,767
Core capital (leverage) ratio10.0319%3,528
Tier 1 risk-based capital ratio13.4284%4,746
Total risk-based capital ratio15.2322%4,287
Memoranda:
Average total assets$3,904,069,000215
Average earning assets$3,482,342,000216
Average equity$510,135,000201
Average total loans$2,906,437,000196
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8446%4,642
Cost of funding earning assets0.3319%5,308
Net interest margin3.5127%3,840
Noninterest income to average assets1.8605%434
Noninterest expense to average assets4.0152%859
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets3.6166%75
Return on assets (ROA)3.6270%73
Pretax return on assets1.0423%3,180
Return on Equity (ROE)29.4798%78
Retained earnings to average equity (ytd only)29.4798%35
Net charge-offs to loans0.1659%3,150
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)8.2087%2,708
Efficiency ratio79.4706%2,241
Assets per employee ($millions)4.2447%3,365
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans3.0058%463
Loan loss allowance to noncurrent loans309.1184%1,436
Noncurrent assets plus other real estate owned to assets1.1889%3,024
Noncurrent loans to loans0.9724%3,576
Net loans and leases to total assets71.6701%1,741
Net loans and leases to deposits87.4760%1,522
Net loans and leases to core deposits89.4859%2,084
Total domestic deposits to total assets81.9312%4,901
Equity capital to assets13.9633%908
Core capital (leverage) ratio12.0590%1,564
Tier 1 risk-based capital ratio15.8308%3,187
Total risk-based capital ratio17.6438%2,860
Memoranda:
Average total assets$3,724,365,000214
Average earning assets$3,378,644,000210
Average equity$458,225,000208
Average total loans$2,822,850,000191
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9017%4,497
Cost of funding earning assets0.3603%5,191
Net interest margin3.5414%3,703
Noninterest income to average assets2.0409%406
Noninterest expense to average assets4.0009%859
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.2526%1,481
Return on assets (ROA)1.2665%1,509
Pretax return on assets1.2799%2,411
Return on Equity (ROE)10.6768%1,927
Retained earnings to average equity (ytd only)10.6768%644
Net charge-offs to loans0.1225%3,316
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)13.5468%2,019
Efficiency ratio75.8849%2,750
Assets per employee ($millions)3.9517%3,931
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.1887%458
Loan loss allowance to noncurrent loans282.9276%1,444
Noncurrent assets plus other real estate owned to assets1.3582%2,926
Noncurrent loans to loans1.1270%3,549
Net loans and leases to total assets73.6259%1,342
Net loans and leases to deposits87.0167%1,489
Net loans and leases to core deposits89.2115%2,050
Total domestic deposits to total assets84.6112%3,923
Equity capital to assets12.2309%1,761
Core capital (leverage) ratio11.7584%1,847
Tier 1 risk-based capital ratio16.0917%3,139
Total risk-based capital ratio17.9328%2,825
Memoranda:
Average total assets$3,677,050,750213
Average earning assets$3,349,403,500210
Average equity$436,163,750215
Average total loans$2,805,607,750189
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9069%4,447
Cost of funding earning assets0.3950%4,986
Net interest margin3.5119%3,733
Noninterest income to average assets2.2054%387
Noninterest expense to average assets3.9260%951
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.4660%954
Return on assets (ROA)1.4695%1,028
Pretax return on assets1.4860%1,663
Return on Equity (ROE)12.5178%1,357
Retained earnings to average equity (ytd only)12.5178%430
Net charge-offs to loans0.0905%3,460
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)21.4403%1,414
Efficiency ratio72.5101%3,386
Assets per employee ($millions)3.9230%3,975
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.2339%472
Loan loss allowance to noncurrent loans243.1063%1,667
Noncurrent assets plus other real estate owned to assets1.6249%2,670
Noncurrent loans to loans1.3302%3,332
Net loans and leases to total assets74.2453%1,212
Net loans and leases to deposits87.7924%1,369
Net loans and leases to core deposits91.4799%1,763
Total domestic deposits to total assets84.5691%4,101
Equity capital to assets12.1319%1,823
Core capital (leverage) ratio11.7025%1,796
Tier 1 risk-based capital ratio15.8767%3,277
Total risk-based capital ratio17.7215%2,908
Memoranda:
Average total assets$3,679,031,670213
Average earning assets$3,355,551,330208
Average equity$431,882,000215
Average total loans$2,810,173,000187
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9482%4,302
Cost of funding earning assets0.4353%4,750
Net interest margin3.5129%3,643
Noninterest income to average assets2.2829%358
Noninterest expense to average assets4.1614%747
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.3252%1,216
Return on assets (ROA)1.3321%1,300
Pretax return on assets1.3353%2,098
Return on Equity (ROE)11.5375%1,541
Retained earnings to average equity (ytd only)11.5375%769
Net charge-offs to loans0.1134%2,749
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)15.3717%1,404
Efficiency ratio75.7255%2,971
Assets per employee ($millions)4.0112%3,920
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.2618%512
Loan loss allowance to noncurrent loans182.1764%2,034
Noncurrent assets plus other real estate owned to assets2.0117%2,333
Noncurrent loans to loans1.7905%2,874
Net loans and leases to total assets74.1860%1,048
Net loans and leases to deposits87.5589%1,189
Net loans and leases to core deposits92.4670%1,457
Total domestic deposits to total assets84.7269%4,168
Equity capital to assets11.9195%2,096
Core capital (leverage) ratio11.0665%2,207
Tier 1 risk-based capital ratio15.3279%3,636
Total risk-based capital ratio17.1734%3,277
Memoranda:
Average total assets$3,698,292,500217
Average earning assets$3,376,130,500211
Average equity$426,991,500223
Average total loans$2,818,641,000191
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0530%5,135
Cost of funding earning assets0.6136%4,223
Net interest margin3.4395%4,743
Noninterest income to average assets1.7569%529
Noninterest expense to average assets3.5404%1,739
Loan and lease loss provision to assets0.8110%595
Net operating income to assets0.5907%4,277
Return on assets (ROA)0.6340%4,336
Pretax return on assets0.5806%5,050
Return on Equity (ROE)6.6416%3,842
Retained earnings to average equity (ytd only)6.6416%1,747
Net charge-offs to loans2.1800%315
Credit loss provision to net charge-offs51.2821%4,668
Earnings coverage of net charge-offs (x)0.8525%5,050
Efficiency ratio72.1961%3,380
Assets per employee ($millions)4.1990%3,551
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.2103%548
Loan loss allowance to noncurrent loans141.0840%2,495
Noncurrent assets plus other real estate owned to assets2.5615%1,901
Noncurrent loans to loans2.2754%2,377
Net loans and leases to total assets73.3270%1,282
Net loans and leases to deposits87.1227%1,372
Net loans and leases to core deposits92.0317%1,632
Total domestic deposits to total assets84.1652%4,244
Equity capital to assets11.1853%2,754
Core capital (leverage) ratio10.2150%3,120
Tier 1 risk-based capital ratio14.4128%4,086
Total risk-based capital ratio16.2400%3,677
Memoranda:
Average total assets$3,896,623,200211
Average earning assets$3,547,887,600205
Average equity$371,987,400237
Average total loans$2,826,635,800187
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0808%5,263
Cost of funding earning assets0.6508%4,194
Net interest margin3.4300%4,924
Noninterest income to average assets1.8027%492
Noninterest expense to average assets3.4657%1,841
Loan and lease loss provision to assets1.0180%397
Net operating income to assets0.4506%5,032
Return on assets (ROA)0.5079%5,078
Pretax return on assets0.4992%5,469
Return on Equity (ROE)5.5484%4,576
Retained earnings to average equity (ytd only)5.5484%3,006
Net charge-offs to loans2.3082%284
Credit loss provision to net charge-offs61.4527%4,120
Earnings coverage of net charge-offs (x)0.8813%4,892
Efficiency ratio70.1303%3,666
Assets per employee ($millions)4.2660%3,347
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.7014%394
Loan loss allowance to noncurrent loans137.8638%2,447
Noncurrent assets plus other real estate owned to assets2.9866%1,750
Noncurrent loans to loans2.6848%2,112
Net loans and leases to total assets71.1663%1,699
Net loans and leases to deposits84.9998%1,726
Net loans and leases to core deposits90.8262%1,891
Total domestic deposits to total assets83.7252%4,349
Equity capital to assets10.9899%3,293
Core capital (leverage) ratio10.0857%3,423
Tier 1 risk-based capital ratio14.3120%4,323
Total risk-based capital ratio16.1556%3,872
Memoranda:
Average total assets$3,929,164,000212
Average earning assets$3,577,281,000205
Average equity$359,662,000245
Average total loans$2,819,936,000189
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1001%5,312
Cost of funding earning assets0.7032%3,992
Net interest margin3.3970%5,102
Noninterest income to average assets1.8002%477
Noninterest expense to average assets3.3871%2,062
Loan and lease loss provision to assets1.3647%281
Net operating income to assets0.1566%6,025
Return on assets (ROA)0.2413%5,976
Pretax return on assets0.2269%6,105
Return on Equity (ROE)2.8139%5,758
Retained earnings to average equity (ytd only)2.8139%4,754
Net charge-offs to loans2.6671%250
Credit loss provision to net charge-offs71.9691%3,513
Earnings coverage of net charge-offs (x)0.7947%4,658
Efficiency ratio68.9618%3,948
Assets per employee ($millions)4.3325%3,198
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.9974%347
Loan loss allowance to noncurrent loans113.5707%2,868
Noncurrent assets plus other real estate owned to assets3.4937%1,528
Noncurrent loans to loans3.5197%1,628
Net loans and leases to total assets69.7815%1,958
Net loans and leases to deposits82.6699%2,028
Net loans and leases to core deposits90.1471%1,967
Total domestic deposits to total assets84.4099%4,136
Equity capital to assets10.4587%3,733
Core capital (leverage) ratio9.6030%3,996
Tier 1 risk-based capital ratio13.7982%4,595
Total risk-based capital ratio15.6398%4,144
Memoranda:
Average total assets$3,986,103,670207
Average earning assets$3,630,482,670202
Average equity$341,869,330250
Average total loans$2,834,088,330188
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0967%5,468
Cost of funding earning assets0.7972%3,495
Net interest margin3.2996%5,483
Noninterest income to average assets1.7805%486
Noninterest expense to average assets3.3961%2,017
Loan and lease loss provision to assets1.3764%267
Net operating income to assets0.0173%6,385
Return on assets (ROA)0.1800%6,183
Pretax return on assets0.1830%6,230
Return on Equity (ROE)2.3401%5,968
Retained earnings to average equity (ytd only)2.3401%5,092
Net charge-offs to loans2.2804%380
Credit loss provision to net charge-offs85.7948%2,627
Earnings coverage of net charge-offs (x)0.8685%3,896
Efficiency ratio70.6497%3,690
Assets per employee ($millions)4.5267%2,944
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.2341%310
Loan loss allowance to noncurrent loans94.2742%3,218
Noncurrent assets plus other real estate owned to assets4.1783%1,304
Noncurrent loans to loans4.4913%1,304
Net loans and leases to total assets67.5856%2,189
Net loans and leases to deposits79.4919%2,275
Net loans and leases to core deposits87.9455%2,060
Total domestic deposits to total assets85.0221%4,026
Equity capital to assets9.9113%4,241
Core capital (leverage) ratio8.9854%4,859
Tier 1 risk-based capital ratio13.3089%4,968
Total risk-based capital ratio15.1218%4,532
Memoranda:
Average total assets$4,068,534,500200
Average earning assets$3,710,176,000195
Average equity$312,977,500262
Average total loans$2,862,357,500185
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3566%5,583
Cost of funding earning assets1.0345%3,127
Net interest margin3.3221%5,749
Noninterest income to average assets0.8894%1,709
Noninterest expense to average assets3.4804%2,032
Loan and lease loss provision to assets0.9800%974
Net operating income to assets-0.3910%6,410
Return on assets (ROA)-0.3938%6,465
Pretax return on assets-0.5539%6,524
Return on Equity (ROE)-7.2722%6,647
Retained earnings to average equity (ytd only)-7.2722%6,588
Net charge-offs to loans5.2559%68
Credit loss provision to net charge-offs25.0130%5,854
Earnings coverage of net charge-offs (x)0.1098%5,752
Efficiency ratio88.6555%1,302
Assets per employee ($millions)4.5999%2,755
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.1838%326
Loan loss allowance to noncurrent loans74.4327%3,881
Noncurrent assets plus other real estate owned to assets5.0319%1,059
Noncurrent loans to loans5.6209%933
Net loans and leases to total assets67.2068%2,540
Net loans and leases to deposits78.0797%2,830
Net loans and leases to core deposits87.1657%2,477
Total domestic deposits to total assets86.0746%3,278
Equity capital to assets5.5553%7,123
Core capital (leverage) ratio4.8898%7,157
Tier 1 risk-based capital ratio7.3095%7,143
Total risk-based capital ratio9.4797%7,104
Memoranda:
Average total assets$4,367,531,600186
Average earning assets$3,971,639,400183
Average equity$236,502,800309
Average total loans$3,255,587,600170
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4337%5,483
Cost of funding earning assets1.0793%3,116
Net interest margin3.3544%5,703
Noninterest income to average assets0.7815%2,134
Noninterest expense to average assets3.4423%2,096
Loan and lease loss provision to assets0.8952%1,004
Net operating income to assets-0.3027%6,501
Return on assets (ROA)-0.3061%6,563
Pretax return on assets-0.5119%6,628
Return on Equity (ROE)-5.6873%6,705
Retained earnings to average equity (ytd only)-5.6873%6,631
Net charge-offs to loans5.9914%59
Credit loss provision to net charge-offs19.7721%5,560
Earnings coverage of net charge-offs (x)0.0858%5,541
Efficiency ratio89.5053%1,198
Assets per employee ($millions)4.4162%3,055
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans4.2846%317
Loan loss allowance to noncurrent loans70.3828%3,954
Noncurrent assets plus other real estate owned to assets5.7084%964
Noncurrent loans to loans6.0875%912
Net loans and leases to total assets69.7963%2,116
Net loans and leases to deposits81.2079%2,495
Net loans and leases to core deposits99.7339%1,270
Total domestic deposits to total assets80.9744%5,443
Equity capital to assets5.7412%7,209
Core capital (leverage) ratio5.0968%7,232
Tier 1 risk-based capital ratio7.3317%7,224
Total risk-based capital ratio9.4748%7,176
Memoranda:
Average total assets$4,423,283,250184
Average earning assets$4,021,066,750182
Average equity$238,068,500309
Average total loans$3,342,728,500166
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5064%5,334
Cost of funding earning assets1.1054%3,205
Net interest margin3.4009%5,553
Noninterest income to average assets0.9326%1,521
Noninterest expense to average assets3.5185%1,937
Loan and lease loss provision to assets0.3985%2,426
Net operating income to assets0.4127%4,885
Return on assets (ROA)0.4145%5,032
Pretax return on assets0.1110%6,088
Return on Equity (ROE)7.8623%3,008
Retained earnings to average equity (ytd only)7.8623%1,508
Net charge-offs to loans7.0923%50
Credit loss provision to net charge-offs7.3562%5,274
Earnings coverage of net charge-offs (x)0.0937%5,218
Efficiency ratio87.0654%1,508
Assets per employee ($millions)4.5024%2,829
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.3320%326
Loan loss allowance to noncurrent loans85.9212%3,302
Noncurrent assets plus other real estate owned to assets5.1927%1,173
Noncurrent loans to loans5.0418%1,294
Net loans and leases to total assets71.3477%1,918
Net loans and leases to deposits83.4079%2,200
Net loans and leases to core deposits102.7193%1,136
Total domestic deposits to total assets81.5966%5,318
Equity capital to assets6.0468%7,236
Core capital (leverage) ratio5.3477%7,270
Tier 1 risk-based capital ratio7.4673%7,283
Total risk-based capital ratio9.5557%7,230
Memoranda:
Average total assets$4,516,912,000182
Average earning assets$4,108,591,670181
Average equity$238,150,330311
Average total loans$3,450,084,670164
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5150%5,286
Cost of funding earning assets1.1182%3,395
Net interest margin3.3968%5,441
Noninterest income to average assets1.2727%784
Noninterest expense to average assets3.4966%2,010
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.4623%953
Return on assets (ROA)1.4623%992
Pretax return on assets0.8729%3,607
Return on Equity (ROE)29.7136%84
Retained earnings to average equity (ytd only)29.7136%59
Net charge-offs to loans8.9365%47
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)0.1265%4,505
Efficiency ratio79.7313%2,579
Assets per employee ($millions)4.6601%2,639
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans5.0427%185
Loan loss allowance to noncurrent loans83.2177%3,412
Noncurrent assets plus other real estate owned to assets6.0698%943
Noncurrent loans to loans6.0597%1,041
Net loans and leases to total assets71.0643%1,902
Net loans and leases to deposits82.4647%2,279
Net loans and leases to core deposits105.4584%969
Total domestic deposits to total assets81.7362%5,412
Equity capital to assets5.6592%7,326
Core capital (leverage) ratio5.1606%7,344
Tier 1 risk-based capital ratio7.2364%7,348
Total risk-based capital ratio9.2843%7,293
Memoranda:
Average total assets$4,661,473,500179
Average earning assets$4,249,763,000176
Average equity$229,403,000314
Average total loans$3,598,618,000158
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8245%5,332
Cost of funding earning assets1.3286%3,695
Net interest margin3.4959%5,257
Noninterest income to average assets1.0625%1,327
Noninterest expense to average assets2.8112%4,559
Loan and lease loss provision to assets5.7435%45
Net operating income to assets-4.6207%7,503
Return on assets (ROA)-4.2383%7,478
Pretax return on assets-3.9051%7,425
Return on Equity (ROE)-59.2503%7,482
Retained earnings to average equity (ytd only)-59.2503%7,479
Net charge-offs to loans4.2253%278
Credit loss provision to net charge-offs169.8310%1,997
Earnings coverage of net charge-offs (x)0.4306%5,678
Efficiency ratio65.6097%5,042
Assets per employee ($millions)4.6137%2,680
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans6.5168%80
Loan loss allowance to noncurrent loans70.0637%3,922
Noncurrent assets plus other real estate owned to assets8.4354%561
Noncurrent loans to loans9.3012%481
Net loans and leases to total assets74.2208%1,613
Net loans and leases to deposits86.3644%2,031
Net loans and leases to core deposits116.0279%638
Total domestic deposits to total assets80.5842%5,662
Equity capital to assets4.2349%7,497
Core capital (leverage) ratio3.7539%7,514
Tier 1 risk-based capital ratio5.4284%7,507
Total risk-based capital ratio7.4547%7,474
Memoranda:
Average total assets$5,196,087,600164
Average earning assets$4,763,414,800161
Average equity$371,691,000221
Average total loans$4,158,972,400141
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8841%5,334
Cost of funding earning assets1.3662%3,800
Net interest margin3.5178%5,222
Noninterest income to average assets0.9289%1,695
Noninterest expense to average assets2.6566%5,083
Loan and lease loss provision to assets3.6446%188
Net operating income to assets-1.1577%6,967
Return on assets (ROA)-0.8256%6,839
Pretax return on assets-1.6267%7,083
Return on Equity (ROE)-10.5572%6,953
Retained earnings to average equity (ytd only)-10.5572%6,907
Net charge-offs to loans3.5095%383
Credit loss provision to net charge-offs129.5073%3,124
Earnings coverage of net charge-offs (x)0.5326%5,494
Efficiency ratio63.6596%5,308
Assets per employee ($millions)4.9175%2,295
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.9409%387
Loan loss allowance to noncurrent loans61.1764%4,250
Noncurrent assets plus other real estate owned to assets5.6645%1,078
Noncurrent loans to loans6.4418%929
Net loans and leases to total assets75.1745%1,555
Net loans and leases to deposits89.0145%1,854
Net loans and leases to core deposits124.7023%481
Total domestic deposits to total assets77.6505%6,330
Equity capital to assets7.4903%7,135
Core capital (leverage) ratio6.3704%7,368
Tier 1 risk-based capital ratio8.4260%7,439
Total risk-based capital ratio10.3588%7,360
Memoranda:
Average total assets$5,287,464,250164
Average earning assets$4,849,664,000158
Average equity$413,470,750204
Average total loans$4,239,908,000138
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0195%4,853
Cost of funding earning assets1.4383%3,624
Net interest margin3.5812%4,897
Noninterest income to average assets0.9860%1,418
Noninterest expense to average assets2.7578%4,670
Loan and lease loss provision to assets1.8180%683
Net operating income to assets-0.2763%6,449
Return on assets (ROA)0.3814%5,006
Pretax return on assets0.3593%5,344
Return on Equity (ROE)4.8117%4,378
Retained earnings to average equity (ytd only)4.8117%3,005
Net charge-offs to loans1.8124%1,029
Credit loss provision to net charge-offs124.1239%3,262
Earnings coverage of net charge-offs (x)1.0375%4,749
Efficiency ratio64.2121%5,296
Assets per employee ($millions)4.8516%2,369
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.2704%663
Loan loss allowance to noncurrent loans60.4030%4,316
Noncurrent assets plus other real estate owned to assets4.9004%1,322
Noncurrent loans to loans5.4143%1,224
Net loans and leases to total assets78.8710%979
Net loans and leases to deposits95.5516%1,089
Net loans and leases to core deposits133.5113%371
Total domestic deposits to total assets75.4087%6,794
Equity capital to assets8.4582%6,221
Core capital (leverage) ratio7.4449%6,877
Tier 1 risk-based capital ratio9.2244%7,365
Total risk-based capital ratio11.1018%7,085
Memoranda:
Average total assets$5,318,981,670164
Average earning assets$4,888,708,330159
Average equity$421,639,670202
Average total loans$4,298,577,330136
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0026%5,012
Cost of funding earning assets1.5146%3,460
Net interest margin3.4880%5,210
Noninterest income to average assets1.0678%1,113
Noninterest expense to average assets2.8185%4,413
Loan and lease loss provision to assets1.8166%617
Net operating income to assets-0.3245%6,691
Return on assets (ROA)0.3872%5,032
Pretax return on assets0.3621%5,407
Return on Equity (ROE)5.0449%4,334
Retained earnings to average equity (ytd only)5.0449%3,132
Net charge-offs to loans1.6131%1,080
Credit loss provision to net charge-offs139.9397%2,530
Earnings coverage of net charge-offs (x)1.1300%4,091
Efficiency ratio65.5144%5,217
Assets per employee ($millions)4.9628%2,283
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.1302%738
Loan loss allowance to noncurrent loans59.3659%4,409
Noncurrent assets plus other real estate owned to assets4.7299%1,399
Noncurrent loans to loans5.2728%1,345
Net loans and leases to total assets78.6753%1,027
Net loans and leases to deposits96.0958%1,091
Net loans and leases to core deposits137.3245%368
Total domestic deposits to total assets73.6453%7,093
Equity capital to assets7.8801%6,779
Core capital (leverage) ratio6.9156%7,299
Tier 1 risk-based capital ratio8.6384%7,542
Total risk-based capital ratio10.7252%7,312
Memoranda:
Average total assets$5,416,807,500163
Average earning assets$4,996,838,500157
Average equity$415,787,500204
Average total loans$4,359,145,500137
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0662%6,208
Cost of funding earning assets1.9422%3,247
Net interest margin3.1240%6,297
Noninterest income to average assets0.9715%1,661
Noninterest expense to average assets2.6216%5,708
Loan and lease loss provision to assets2.0646%1,032
Net operating income to assets-0.3160%5,995
Return on assets (ROA)-0.2686%5,923
Pretax return on assets-0.7102%6,202
Return on Equity (ROE)-3.7243%6,082
Retained earnings to average equity (ytd only)-3.7243%5,826
Net charge-offs to loans0.9576%2,486
Credit loss provision to net charge-offs269.6909%1,287
Earnings coverage of net charge-offs (x)1.6724%4,485
Efficiency ratio66.9157%5,203
Assets per employee ($millions)5.2192%1,930
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.8720%862
Loan loss allowance to noncurrent loans50.8912%4,969
Noncurrent assets plus other real estate owned to assets4.8644%1,286
Noncurrent loans to loans5.6435%1,135
Net loans and leases to total assets77.4768%1,486
Net loans and leases to deposits95.8902%1,345
Net loans and leases to core deposits142.8847%715
Total domestic deposits to total assets73.6458%7,063
Equity capital to assets7.4817%7,049
Core capital (leverage) ratio6.6117%7,443
Tier 1 risk-based capital ratio8.4811%7,591
Total risk-based capital ratio10.5427%7,332
Memoranda:
Average total assets$5,590,610,000157
Average earning assets$5,243,928,400154
Average equity$403,137,400211
Average total loans$4,469,610,000134
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0665%6,395
Cost of funding earning assets2.0149%3,278
Net interest margin3.0516%6,461
Noninterest income to average assets0.9885%1,647
Noninterest expense to average assets2.6769%5,422
Loan and lease loss provision to assets1.3500%1,432
Net operating income to assets0.0423%5,621
Return on assets (ROA)0.0769%5,578
Pretax return on assets-0.1123%5,859
Return on Equity (ROE)1.0765%5,470
Retained earnings to average equity (ytd only)1.0765%4,715
Net charge-offs to loans0.8984%2,170
Credit loss provision to net charge-offs187.8541%2,419
Earnings coverage of net charge-offs (x)1.6472%4,557
Efficiency ratio69.0647%4,771
Assets per employee ($millions)5.1976%1,897
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.8456%2,164
Loan loss allowance to noncurrent loans47.6852%5,132
Noncurrent assets plus other real estate owned to assets3.2846%2,058
Noncurrent loans to loans3.8703%1,915
Net loans and leases to total assets76.7797%1,827
Net loans and leases to deposits95.0855%1,698
Net loans and leases to core deposits144.1844%757
Total domestic deposits to total assets74.3560%6,886
Equity capital to assets7.7392%7,113
Core capital (leverage) ratio7.0524%7,402
Tier 1 risk-based capital ratio8.9782%7,628
Total risk-based capital ratio11.0110%7,141
Memoranda:
Average total assets$5,599,953,500165
Average earning assets$5,270,483,500163
Average equity$400,052,500216
Average total loans$4,479,589,500142
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0938%6,461
Cost of funding earning assets2.0676%3,437
Net interest margin3.0262%6,471
Noninterest income to average assets1.0327%1,491
Noninterest expense to average assets2.6093%5,709
Loan and lease loss provision to assets0.9117%1,851
Net operating income to assets0.3844%4,568
Return on assets (ROA)0.3844%4,669
Pretax return on assets0.3676%5,022
Return on Equity (ROE)5.5352%3,844
Retained earnings to average equity (ytd only)5.5352%2,231
Net charge-offs to loans0.6058%2,528
Credit loss provision to net charge-offs186.7721%2,459
Earnings coverage of net charge-offs (x)2.6207%3,765
Efficiency ratio66.8288%5,401
Assets per employee ($millions)5.1958%1,863
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4660%3,383
Loan loss allowance to noncurrent loans43.8160%5,448
Noncurrent assets plus other real estate owned to assets2.8093%2,286
Noncurrent loans to loans3.3458%2,104
Net loans and leases to total assets78.2096%1,698
Net loans and leases to deposits96.9354%1,664
Net loans and leases to core deposits139.5056%1,037
Total domestic deposits to total assets76.0802%6,525
Equity capital to assets7.7095%7,064
Core capital (leverage) ratio7.2621%7,286
Tier 1 risk-based capital ratio9.1142%7,633
Total risk-based capital ratio10.9140%7,206
Memoranda:
Average total assets$5,593,744,000172
Average earning assets$5,279,070,000167
Average equity$388,458,000226
Average total loans$4,507,770,670145
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1226%6,581
Cost of funding earning assets2.0795%3,741
Net interest margin3.0431%6,360
Noninterest income to average assets0.9034%1,835
Noninterest expense to average assets2.5965%5,465
Loan and lease loss provision to assets0.6865%1,844
Net operating income to assets0.4537%4,639
Return on assets (ROA)0.4537%4,811
Pretax return on assets0.4941%5,096
Return on Equity (ROE)6.9260%3,622
Retained earnings to average equity (ytd only)6.9260%2,240
Net charge-offs to loans0.7029%1,781
Credit loss provision to net charge-offs120.2532%3,270
Earnings coverage of net charge-offs (x)2.0681%3,685
Efficiency ratio68.4605%4,875
Assets per employee ($millions)5.1538%1,888
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2347%4,558
Loan loss allowance to noncurrent loans58.3782%4,698
Noncurrent assets plus other real estate owned to assets1.7016%3,369
Noncurrent loans to loans2.1150%3,094
Net loans and leases to total assets79.0753%1,565
Net loans and leases to deposits97.9418%1,674
Net loans and leases to core deposits135.5021%1,334
Total domestic deposits to total assets76.2122%6,471
Equity capital to assets6.4347%7,893
Core capital (leverage) ratio6.2035%7,968
Tier 1 risk-based capital ratio7.5256%8,060
Total risk-based capital ratio10.8653%7,262
Memoranda:
Average total assets$5,535,538,000175
Average earning assets$5,227,394,000167
Average equity$362,576,000236
Average total loans$4,495,488,500146
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9295%5,901
Cost of funding earning assets2.7742%2,809
Net interest margin3.1553%6,506
Noninterest income to average assets0.8669%2,124
Noninterest expense to average assets2.6648%5,396
Loan and lease loss provision to assets0.4325%3,130
Net operating income to assets0.7326%3,749
Return on assets (ROA)0.3891%5,011
Pretax return on assets0.3671%5,336
Return on Equity (ROE)5.6729%4,086
Retained earnings to average equity (ytd only)5.6729%1,681
Net charge-offs to loans0.2897%3,469
Credit loss provision to net charge-offs184.9206%2,681
Earnings coverage of net charge-offs (x)4.8879%3,826
Efficiency ratio69.6741%4,411
Assets per employee ($millions)4.9417%2,006
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2297%4,313
Loan loss allowance to noncurrent loans60.3064%4,987
Noncurrent assets plus other real estate owned to assets1.8451%2,680
Noncurrent loans to loans2.0392%2,712
Net loans and leases to total assets81.4089%1,337
Net loans and leases to deposits102.7900%1,495
Net loans and leases to core deposits143.3216%1,123
Total domestic deposits to total assets72.4576%6,920
Equity capital to assets6.6716%7,882
Core capital (leverage) ratio6.2506%8,005
Tier 1 risk-based capital ratio7.3914%8,141
Total risk-based capital ratio10.7064%7,272
Memoranda:
Average total assets$5,087,141,400182
Average earning assets$4,741,732,800174
Average equity$348,889,000247
Average total loans$4,106,084,400159