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Lee Bank and Trust Company, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4833%1,183
Cost of funding earning assets2.0296%885
Net interest margin3.4537%2,294
Noninterest income to average assets0.2400%3,502
Noninterest expense to average assets1.9619%3,710
Loan and lease loss provision to assets0.1300%985
Net operating income to assets1.1745%1,708
Return on assets (ROA)1.0424%2,063
Pretax return on assets1.2936%1,882
Return on Equity (ROE)9.6200%2,604
Retained earnings to average equity (ytd only)7.8563%1,586
Net charge-offs to loans-0.0084%3,961
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio55.2329%3,576
Assets per employee ($millions)5.9850%2,836
Cash dividends to net income (ytd only)*18.3547%2,991
Condition Ratios (%)
Loss allowance to loans2.0055%369
Loan loss allowance to noncurrent loans194.0387%2,553
Noncurrent assets plus other real estate owned to assets0.5803%955
Noncurrent loans to loans1.0335%716
Net loans and leases to total assets51.8500%3,486
Net loans and leases to deposits59.2405%3,569
Net loans and leases to core deposits77.9087%2,844
Total domestic deposits to total assets87.5300%1,506
Equity capital to assets11.4933%1,287
Core capital (leverage) ratio11.7488%1,535
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$247,210,4002,705
Average earning assets$237,047,0002,644
Average equity$26,781,2002,416
Average total loans$131,532,8002,851
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1790%1,494
Cost of funding earning assets1.8761%893
Net interest margin3.3029%2,681
Noninterest income to average assets0.2000%3,768
Noninterest expense to average assets1.9488%3,717
Loan and lease loss provision to assets0.1300%897
Net operating income to assets1.0468%2,228
Return on assets (ROA)0.8710%2,777
Pretax return on assets1.0751%2,640
Return on Equity (ROE)8.1600%3,140
Retained earnings to average equity (ytd only)8.1636%1,900
Net charge-offs to loans-0.0121%3,984
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio57.8275%3,223
Assets per employee ($millions)6.0285%2,732
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.9255%452
Loan loss allowance to noncurrent loans159.3790%2,758
Noncurrent assets plus other real estate owned to assets0.7655%727
Noncurrent loans to loans1.2081%645
Net loans and leases to total assets51.8300%3,508
Net loans and leases to deposits60.1882%3,496
Net loans and leases to core deposits79.2661%2,653
Total domestic deposits to total assets86.1100%2,152
Equity capital to assets11.0624%1,327
Core capital (leverage) ratio11.8862%1,496
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3445%901
Memoranda:
Average total assets$247,666,2502,701
Average earning assets$237,364,5002,652
Average equity$26,425,7502,424
Average total loans$131,954,5002,845
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9622%1,625
Cost of funding earning assets1.7105%870
Net interest margin3.2518%2,861
Noninterest income to average assets0.2200%3,636
Noninterest expense to average assets1.9981%3,606
Loan and lease loss provision to assets0.1200%954
Net operating income to assets0.9979%2,426
Return on assets (ROA)0.7683%3,183
Pretax return on assets0.9418%3,066
Return on Equity (ROE)7.2900%3,414
Retained earnings to average equity (ytd only)7.2894%2,199
Net charge-offs to loans-0.0196%4,119
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio59.8068%2,986
Assets per employee ($millions)5.9546%2,750
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.8202%579
Loan loss allowance to noncurrent loans123.1472%3,092
Noncurrent assets plus other real estate owned to assets0.9381%517
Noncurrent loans to loans1.4780%451
Net loans and leases to total assets52.3200%3,383
Net loans and leases to deposits58.7914%3,494
Net loans and leases to core deposits77.6335%2,646
Total domestic deposits to total assets89.0000%1,261
Equity capital to assets10.8272%1,452
Core capital (leverage) ratio11.4514%1,648
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1160%802
Memoranda:
Average total assets$247,831,6672,702
Average earning assets$237,594,6672,657
Average equity$26,120,0002,457
Average total loans$132,401,6672,842
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7606%1,717
Cost of funding earning assets1.4459%948
Net interest margin3.3147%2,843
Noninterest income to average assets0.2900%3,144
Noninterest expense to average assets2.1321%3,297
Loan and lease loss provision to assets0.1000%1,106
Net operating income to assets1.0069%2,507
Return on assets (ROA)1.0069%2,473
Pretax return on assets1.2420%2,328
Return on Equity (ROE)9.6900%2,879
Retained earnings to average equity (ytd only)9.6876%1,774
Net charge-offs to loans0.0091%1,602
Credit loss provision to net charge-offs2,000.0000%197
Earnings coverage of net charge-offs (x)275.3333%394
Efficiency ratio61.4199%2,761
Assets per employee ($millions)5.7046%3,024
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.7687%697
Loan loss allowance to noncurrent loans261.5558%2,372
Noncurrent assets plus other real estate owned to assets0.4964%1,044
Noncurrent loans to loans0.6762%1,118
Net loans and leases to total assets51.3400%3,395
Net loans and leases to deposits57.6219%3,475
Net loans and leases to core deposits76.5133%2,488
Total domestic deposits to total assets89.0900%1,514
Equity capital to assets10.6632%1,480
Core capital (leverage) ratio11.3288%1,645
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4948%612
Memoranda:
Average total assets$246,701,5002,741
Average earning assets$236,523,0002,691
Average equity$25,641,0002,510
Average total loans$131,960,0002,881
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9067%1,965
Cost of funding earning assets0.6876%617
Net interest margin3.2190%2,811
Noninterest income to average assets0.8400%914
Noninterest expense to average assets2.6535%1,668
Loan and lease loss provision to assets0.1200%1,028
Net operating income to assets0.9154%2,894
Return on assets (ROA)0.9154%2,839
Pretax return on assets1.1286%2,673
Return on Equity (ROE)7.6500%3,472
Retained earnings to average equity (ytd only)5.4387%2,860
Net charge-offs to loans0.0008%2,562
Credit loss provision to net charge-offs24,000.0000%27
Earnings coverage of net charge-offs (x)2,564.0000%61
Efficiency ratio68.0618%1,956
Assets per employee ($millions)5.5091%3,211
Cash dividends to net income (ytd only)*28.9125%2,473
Condition Ratios (%)
Loss allowance to loans1.7047%797
Loan loss allowance to noncurrent loans245.4447%2,429
Noncurrent assets plus other real estate owned to assets0.5557%904
Noncurrent loans to loans0.6946%1,080
Net loans and leases to total assets53.8300%3,214
Net loans and leases to deposits60.2831%3,314
Net loans and leases to core deposits73.0831%2,644
Total domestic deposits to total assets89.3000%1,633
Equity capital to assets10.1143%1,655
Core capital (leverage) ratio11.3781%1,580
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.5026%514
Memoranda:
Average total assets$205,913,2003,003
Average earning assets$195,742,0002,966
Average equity$24,638,4002,599
Average total loans$124,782,2002,882
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6175%2,295
Cost of funding earning assets0.4273%1,115
Net interest margin3.1903%2,653
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets2.4160%2,274
Loan and lease loss provision to assets0.1200%882
Net operating income to assets0.5820%3,880
Return on assets (ROA)0.5820%3,835
Pretax return on assets0.7148%3,770
Return on Equity (ROE)4.6400%4,050
Retained earnings to average equity (ytd only)4.1023%3,408
Net charge-offs to loans-0.0054%3,499
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio74.2762%1,250
Assets per employee ($millions)5.3523%3,370
Cash dividends to net income (ytd only)*11.6414%2,793
Condition Ratios (%)
Loss allowance to loans1.7947%737
Loan loss allowance to noncurrent loans218.9296%2,573
Noncurrent assets plus other real estate owned to assets0.7096%730
Noncurrent loans to loans0.8198%971
Net loans and leases to total assets51.3300%3,356
Net loans and leases to deposits57.5750%3,372
Net loans and leases to core deposits70.1664%2,628
Total domestic deposits to total assets89.1500%2,031
Equity capital to assets10.2158%1,512
Core capital (leverage) ratio13.4541%786
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.8012%504
Memoranda:
Average total assets$196,791,7503,084
Average earning assets$186,605,0003,045
Average equity$24,668,7502,639
Average total loans$122,791,0002,902
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5942%1,861
Cost of funding earning assets0.2463%2,319
Net interest margin3.3479%1,768
Noninterest income to average assets0.2349%3,773
Noninterest expense to average assets2.5233%1,852
Loan and lease loss provision to assets0.1305%743
Net operating income to assets0.6025%3,619
Return on assets (ROA)0.6025%3,567
Pretax return on assets0.7450%3,465
Return on Equity (ROE)4.4547%3,923
Retained earnings to average equity (ytd only)4.4547%2,905
Net charge-offs to loans-0.0228%3,929
Credit loss provision to net charge-offs-857.1429%3,506
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.2400%1,481
Assets per employee ($millions)4.2369%4,249
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.7679%850
Loan loss allowance to noncurrent loans195.1175%2,714
Noncurrent assets plus other real estate owned to assets0.9816%485
Noncurrent loans to loans0.9060%925
Net loans and leases to total assets64.3220%1,869
Net loans and leases to deposits74.6449%1,791
Net loans and leases to core deposits79.4497%1,752
Total domestic deposits to total assets86.1707%3,206
Equity capital to assets13.1400%642
Core capital (leverage) ratio14.7647%505
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.8089%431
Memoranda:
Average total assets$183,889,3333,209
Average earning assets$173,781,0003,182
Average equity$24,872,3332,689
Average total loans$122,692,6672,919
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5408%1,670
Cost of funding earning assets0.2112%2,656
Net interest margin3.3297%1,500
Noninterest income to average assets0.2387%3,716
Noninterest expense to average assets2.6437%1,495
Loan and lease loss provision to assets0.1314%623
Net operating income to assets0.4928%3,734
Return on assets (ROA)0.4928%3,698
Pretax return on assets0.6067%3,613
Return on Equity (ROE)3.5913%3,970
Retained earnings to average equity (ytd only)3.5913%3,079
Net charge-offs to loans-0.0098%3,577
Credit loss provision to net charge-offs-2,000.0000%3,390
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.1736%1,298
Assets per employee ($millions)4.2154%4,294
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.6950%1,065
Loan loss allowance to noncurrent loans168.1708%2,819
Noncurrent assets plus other real estate owned to assets1.0846%440
Noncurrent loans to loans1.0079%902
Net loans and leases to total assets66.7755%1,333
Net loans and leases to deposits78.1445%1,274
Net loans and leases to core deposits87.3151%1,061
Total domestic deposits to total assets85.4514%3,417
Equity capital to assets13.7382%565
Core capital (leverage) ratio14.7861%462
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.8101%387
Memoranda:
Average total assets$182,622,5003,230
Average earning assets$172,389,0003,205
Average equity$25,060,5002,772
Average total loans$123,004,5002,919
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9812%1,404
Cost of funding earning assets0.3153%2,250
Net interest margin3.6659%1,299
Noninterest income to average assets0.2587%3,830
Noninterest expense to average assets2.7392%1,517
Loan and lease loss provision to assets0.1566%762
Net operating income to assets0.6364%3,783
Return on assets (ROA)0.6364%3,839
Pretax return on assets0.7889%3,750
Return on Equity (ROE)4.5426%4,096
Retained earnings to average equity (ytd only)2.3355%3,876
Net charge-offs to loans0.0826%979
Credit loss provision to net charge-offs267.3267%1,131
Earnings coverage of net charge-offs (x)16.1386%1,986
Efficiency ratio74.3388%1,268
Assets per employee ($millions)4.3806%4,210
Cash dividends to net income (ytd only)*48.5871%1,589
Condition Ratios (%)
Loss allowance to loans1.6471%1,161
Loan loss allowance to noncurrent loans113.1991%3,269
Noncurrent assets plus other real estate owned to assets1.3664%325
Noncurrent loans to loans1.4550%635
Net loans and leases to total assets65.6905%1,508
Net loans and leases to deposits76.7960%1,511
Net loans and leases to core deposits85.6459%1,226
Total domestic deposits to total assets85.5390%3,073
Equity capital to assets13.7072%722
Core capital (leverage) ratio15.1406%447
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.3951%423
Memoranda:
Average total assets$172,387,0003,278
Average earning assets$161,106,4003,267
Average equity$24,149,4002,905
Average total loans$122,260,6002,932
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1191%1,261
Cost of funding earning assets0.3482%2,132
Net interest margin3.7708%1,179
Noninterest income to average assets0.2124%4,129
Noninterest expense to average assets2.7958%1,350
Loan and lease loss provision to assets0.1652%663
Net operating income to assets0.6223%3,965
Return on assets (ROA)0.6223%4,016
Pretax return on assets0.7694%3,945
Return on Equity (ROE)4.4160%4,241
Retained earnings to average equity (ytd only)4.4160%3,440
Net charge-offs to loans0.0906%794
Credit loss provision to net charge-offs253.0120%1,089
Earnings coverage of net charge-offs (x)14.3133%1,894
Efficiency ratio74.9473%1,132
Assets per employee ($millions)4.0050%4,451
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.6256%1,272
Loan loss allowance to noncurrent loans185.7545%2,639
Noncurrent assets plus other real estate owned to assets1.0659%596
Noncurrent loans to loans0.8751%1,313
Net loans and leases to total assets71.3058%950
Net loans and leases to deposits84.9231%893
Net loans and leases to core deposits91.2391%968
Total domestic deposits to total assets83.9651%3,462
Equity capital to assets14.4767%639
Core capital (leverage) ratio15.7484%410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.4949%457
Memoranda:
Average total assets$169,487,7503,340
Average earning assets$158,121,5003,330
Average equity$23,882,0002,953
Average total loans$122,104,7502,975
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1428%1,274
Cost of funding earning assets0.3860%2,004
Net interest margin3.7567%1,206
Noninterest income to average assets0.1789%4,307
Noninterest expense to average assets2.7814%1,396
Loan and lease loss provision to assets0.1766%654
Net operating income to assets0.5885%4,007
Return on assets (ROA)0.5885%4,060
Pretax return on assets0.7262%4,016
Return on Equity (ROE)4.2148%4,295
Retained earnings to average equity (ytd only)4.2148%3,453
Net charge-offs to loans0.1359%586
Credit loss provision to net charge-offs180.7229%1,087
Earnings coverage of net charge-offs (x)9.2410%1,844
Efficiency ratio75.4952%1,130
Assets per employee ($millions)3.9708%4,465
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.6007%1,270
Loan loss allowance to noncurrent loans153.8831%2,834
Noncurrent assets plus other real estate owned to assets1.1766%595
Noncurrent loans to loans1.0402%1,180
Net loans and leases to total assets69.1989%1,301
Net loans and leases to deposits83.0782%1,121
Net loans and leases to core deposits89.2078%1,192
Total domestic deposits to total assets83.2937%3,643
Equity capital to assets14.0684%702
Core capital (leverage) ratio15.4198%428
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.3685%463
Memoranda:
Average total assets$169,914,3333,340
Average earning assets$158,541,3333,324
Average equity$23,725,6672,958
Average total loans$122,165,0002,989
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1976%1,209
Cost of funding earning assets0.4155%1,972
Net interest margin3.7821%1,178
Noninterest income to average assets0.0944%4,712
Noninterest expense to average assets2.8413%1,281
Loan and lease loss provision to assets0.2124%556
Net operating income to assets0.4625%4,247
Return on assets (ROA)0.4625%4,289
Pretax return on assets0.5640%4,255
Return on Equity (ROE)3.3251%4,408
Retained earnings to average equity (ytd only)3.3251%3,680
Net charge-offs to loans0.2435%346
Credit loss provision to net charge-offs120.0000%1,043
Earnings coverage of net charge-offs (x)4.3867%1,732
Efficiency ratio78.5388%922
Assets per employee ($millions)3.9321%4,519
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5108%1,568
Loan loss allowance to noncurrent loans139.1369%2,892
Noncurrent assets plus other real estate owned to assets1.2550%576
Noncurrent loans to loans1.0859%1,225
Net loans and leases to total assets72.0968%1,010
Net loans and leases to deposits89.8293%704
Net loans and leases to core deposits96.7952%854
Total domestic deposits to total assets80.2598%4,170
Equity capital to assets13.9614%680
Core capital (leverage) ratio15.5051%417
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9433%456
Memoranda:
Average total assets$169,499,5003,338
Average earning assets$157,900,5003,333
Average equity$23,578,0002,959
Average total loans$123,210,0002,984
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6805%930
Cost of funding earning assets0.5810%2,442
Net interest margin4.0995%785
Noninterest income to average assets0.5676%2,344
Noninterest expense to average assets2.9687%1,506
Loan and lease loss provision to assets0.2149%1,827
Net operating income to assets0.9778%2,364
Return on assets (ROA)0.9778%2,516
Pretax return on assets1.1971%2,335
Return on Equity (ROE)6.5186%3,399
Retained earnings to average equity (ytd only)4.1884%2,720
Net charge-offs to loans0.0784%1,690
Credit loss provision to net charge-offs373.6264%1,512
Earnings coverage of net charge-offs (x)24.5495%1,771
Efficiency ratio67.7680%2,261
Assets per employee ($millions)3.8618%4,466
Cash dividends to net income (ytd only)*35.7466%2,572
Condition Ratios (%)
Loss allowance to loans1.5125%1,538
Loan loss allowance to noncurrent loans124.4966%3,047
Noncurrent assets plus other real estate owned to assets1.3877%561
Noncurrent loans to loans1.2149%1,146
Net loans and leases to total assets71.0890%1,413
Net loans and leases to deposits88.5631%1,038
Net loans and leases to core deposits96.9337%1,068
Total domestic deposits to total assets80.2693%4,005
Equity capital to assets13.8596%829
Core capital (leverage) ratio15.4768%444
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9620%439
Memoranda:
Average total assets$158,215,4003,308
Average earning assets$147,164,8003,299
Average equity$23,732,0002,888
Average total loans$116,091,2003,023
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7793%911
Cost of funding earning assets0.6177%2,504
Net interest margin4.1616%789
Noninterest income to average assets0.5735%2,287
Noninterest expense to average assets3.0205%1,400
Loan and lease loss provision to assets0.1288%2,738
Net operating income to assets1.0320%2,219
Return on assets (ROA)1.0320%2,348
Pretax return on assets1.2939%2,081
Return on Equity (ROE)6.7401%3,297
Retained earnings to average equity (ytd only)6.7401%1,799
Net charge-offs to loans0.0944%1,367
Credit loss provision to net charge-offs185.1852%2,164
Earnings coverage of net charge-offs (x)20.4568%1,898
Efficiency ratio67.9807%2,197
Assets per employee ($millions)3.6620%4,576
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.3802%1,825
Loan loss allowance to noncurrent loans110.7824%3,141
Noncurrent assets plus other real estate owned to assets1.4684%591
Noncurrent loans to loans1.2458%1,216
Net loans and leases to total assets74.7247%1,282
Net loans and leases to deposits94.8854%854
Net loans and leases to core deposits98.9497%1,245
Total domestic deposits to total assets78.7527%4,092
Equity capital to assets15.1025%614
Core capital (leverage) ratio15.9723%419
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.2344%441
Memoranda:
Average total assets$155,289,7503,312
Average earning assets$144,397,5003,316
Average equity$23,777,5002,885
Average total loans$114,452,0003,051
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8344%1,089
Cost of funding earning assets0.6484%2,705
Net interest margin4.1859%956
Noninterest income to average assets0.7265%1,650
Noninterest expense to average assets3.0806%1,401
Loan and lease loss provision to assets0.1174%2,847
Net operating income to assets1.1647%1,744
Return on assets (ROA)1.1647%1,872
Pretax return on assets1.4269%1,654
Return on Equity (ROE)7.5704%2,908
Retained earnings to average equity (ytd only)7.5704%1,437
Net charge-offs to loans0.1626%919
Credit loss provision to net charge-offs98.9011%2,420
Earnings coverage of net charge-offs (x)13.0110%2,019
Efficiency ratio66.6103%2,429
Assets per employee ($millions)3.6547%4,574
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.3803%1,655
Loan loss allowance to noncurrent loans158.0235%2,517
Noncurrent assets plus other real estate owned to assets1.1358%988
Noncurrent loans to loans0.8735%1,745
Net loans and leases to total assets70.1592%2,005
Net loans and leases to deposits89.5235%1,396
Net loans and leases to core deposits95.3958%1,620
Total domestic deposits to total assets78.3696%4,136
Equity capital to assets14.5899%713
Core capital (leverage) ratio16.2566%410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.5606%425
Memoranda:
Average total assets$153,344,3333,316
Average earning assets$142,811,3333,313
Average equity$23,592,0002,884
Average total loans$111,907,3333,072
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8989%1,194
Cost of funding earning assets0.7272%2,796
Net interest margin4.1718%977
Noninterest income to average assets1.2884%533
Noninterest expense to average assets3.2534%1,309
Loan and lease loss provision to assets0.0812%2,690
Net operating income to assets1.5617%680
Return on assets (ROA)1.5617%748
Pretax return on assets1.8513%626
Return on Equity (ROE)9.8673%1,792
Retained earnings to average equity (ytd only)9.8673%769
Net charge-offs to loans0.1865%727
Credit loss provision to net charge-offs58.8235%2,022
Earnings coverage of net charge-offs (x)14.0000%1,621
Efficiency ratio62.7349%3,410
Assets per employee ($millions)3.2387%4,671
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4228%1,617
Loan loss allowance to noncurrent loans124.2212%2,898
Noncurrent assets plus other real estate owned to assets1.5088%701
Noncurrent loans to loans1.1453%1,450
Net loans and leases to total assets75.8270%1,328
Net loans and leases to deposits94.1545%1,063
Net loans and leases to core deposits101.8844%1,335
Total domestic deposits to total assets80.5346%3,757
Equity capital to assets16.2624%537
Core capital (leverage) ratio17.4029%375
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.1957%382
Memoranda:
Average total assets$147,785,0003,355
Average earning assets$138,071,5003,338
Average equity$23,390,5002,894
Average total loans$109,360,5003,089
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0544%1,335
Cost of funding earning assets0.8650%2,358
Net interest margin4.1894%1,338
Noninterest income to average assets0.5810%2,312
Noninterest expense to average assets3.0788%1,815
Loan and lease loss provision to assets0.0806%2,385
Net operating income to assets1.0343%2,718
Return on assets (ROA)1.0343%2,808
Pretax return on assets1.3285%2,401
Return on Equity (ROE)6.7130%3,657
Retained earnings to average equity (ytd only)4.4593%2,727
Net charge-offs to loans0.1403%1,388
Credit loss provision to net charge-offs77.9221%2,820
Earnings coverage of net charge-offs (x)13.6234%2,341
Efficiency ratio68.6022%2,373
Assets per employee ($millions)3.1879%4,712
Cash dividends to net income (ytd only)*33.5714%2,920
Condition Ratios (%)
Loss allowance to loans1.5157%1,176
Loan loss allowance to noncurrent loans153.4663%2,555
Noncurrent assets plus other real estate owned to assets1.3816%764
Noncurrent loans to loans0.9877%1,541
Net loans and leases to total assets70.0792%2,386
Net loans and leases to deposits85.9281%2,101
Net loans and leases to core deposits94.0438%2,057
Total domestic deposits to total assets81.5556%3,629
Equity capital to assets15.4042%706
Core capital (leverage) ratio16.8883%426
Tier 1 risk-based capital ratio26.6702%640
Total risk-based capital ratio27.9259%623
Memoranda:
Average total assets$148,889,4003,315
Average earning assets$138,848,8003,294
Average equity$22,940,6002,870
Average total loans$109,788,8003,092
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1000%1,284
Cost of funding earning assets0.8861%2,293
Net interest margin4.2139%1,346
Noninterest income to average assets0.3265%3,790
Noninterest expense to average assets3.0899%1,735
Loan and lease loss provision to assets0.0807%2,294
Net operating income to assets0.8628%3,474
Return on assets (ROA)0.8628%3,551
Pretax return on assets1.0799%3,351
Return on Equity (ROE)5.5996%4,166
Retained earnings to average equity (ytd only)5.5996%2,573
Net charge-offs to loans0.1543%1,069
Credit loss provision to net charge-offs70.3125%2,613
Earnings coverage of net charge-offs (x)10.1095%2,523
Efficiency ratio72.6947%1,739
Assets per employee ($millions)3.2828%4,682
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.4805%1,301
Loan loss allowance to noncurrent loans142.3623%2,712
Noncurrent assets plus other real estate owned to assets1.7218%583
Noncurrent loans to loans1.0400%1,542
Net loans and leases to total assets73.8497%1,846
Net loans and leases to deposits91.2692%1,536
Net loans and leases to core deposits100.5723%1,618
Total domestic deposits to total assets80.9141%3,785
Equity capital to assets16.2086%601
Core capital (leverage) ratio16.6647%480
Tier 1 risk-based capital ratio25.9700%708
Total risk-based capital ratio27.2249%695
Memoranda:
Average total assets$148,654,5003,351
Average earning assets$138,428,0003,333
Average equity$22,905,7502,895
Average total loans$110,582,2503,110
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0046%1,474
Cost of funding earning assets0.8704%2,299
Net interest margin4.1342%1,513
Noninterest income to average assets0.3332%3,706
Noninterest expense to average assets3.0895%1,758
Loan and lease loss provision to assets0.0800%2,233
Net operating income to assets0.8183%3,592
Return on assets (ROA)0.8183%3,645
Pretax return on assets1.0129%3,497
Return on Equity (ROE)5.4009%4,237
Retained earnings to average equity (ytd only)5.4009%2,577
Net charge-offs to loans0.0593%1,801
Credit loss provision to net charge-offs181.8182%1,304
Earnings coverage of net charge-offs (x)24.8485%1,616
Efficiency ratio73.8687%1,661
Assets per employee ($millions)3.4046%4,595
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4804%1,334
Loan loss allowance to noncurrent loans164.5607%2,481
Noncurrent assets plus other real estate owned to assets1.9312%492
Noncurrent loans to loans0.8996%1,814
Net loans and leases to total assets74.0568%1,880
Net loans and leases to deposits90.4326%1,687
Net loans and leases to core deposits100.2911%1,697
Total domestic deposits to total assets81.8917%3,543
Equity capital to assets15.4048%727
Core capital (leverage) ratio16.5396%479
Tier 1 risk-based capital ratio24.8825%763
Total risk-based capital ratio26.1375%746
Memoranda:
Average total assets$150,058,6703,350
Average earning assets$139,711,6703,335
Average equity$22,737,0002,907
Average total loans$111,352,0003,110
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9807%1,380
Cost of funding earning assets0.8596%2,212
Net interest margin4.1211%1,496
Noninterest income to average assets0.3116%3,778
Noninterest expense to average assets3.1161%1,698
Loan and lease loss provision to assets0.0799%2,097
Net operating income to assets0.7670%3,721
Return on assets (ROA)0.7670%3,766
Pretax return on assets0.9588%3,589
Return on Equity (ROE)5.1048%4,296
Retained earnings to average equity (ytd only)5.1048%2,859
Net charge-offs to loans-0.0867%4,990
Credit loss provision to net charge-offs-125.0000%3,574
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0000%1,608
Assets per employee ($millions)3.3162%4,729
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5362%1,223
Loan loss allowance to noncurrent loans181.3904%2,346
Noncurrent assets plus other real estate owned to assets1.5815%732
Noncurrent loans to loans0.8469%1,940
Net loans and leases to total assets72.8461%2,013
Net loans and leases to deposits87.9207%1,883
Net loans and leases to core deposits97.3841%1,826
Total domestic deposits to total assets82.8543%3,437
Equity capital to assets15.2251%707
Core capital (leverage) ratio16.0344%527
Tier 1 risk-based capital ratio25.6343%710
Total risk-based capital ratio26.8907%696
Memoranda:
Average total assets$150,186,0003,382
Average earning assets$140,059,5003,367
Average equity$22,567,0002,923
Average total loans$110,724,5003,154
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9110%1,255
Cost of funding earning assets0.6560%2,348
Net interest margin4.2550%1,262
Noninterest income to average assets0.3746%3,586
Noninterest expense to average assets3.1636%1,640
Loan and lease loss provision to assets0.0598%2,968
Net operating income to assets0.8601%3,578
Return on assets (ROA)0.8601%3,572
Pretax return on assets1.0800%3,349
Return on Equity (ROE)5.9095%4,204
Retained earnings to average equity (ytd only)3.5959%3,606
Net charge-offs to loans0.1915%999
Credit loss provision to net charge-offs41.0959%3,273
Earnings coverage of net charge-offs (x)7.8356%2,951
Efficiency ratio73.5144%1,701
Assets per employee ($millions)3.1489%4,888
Cash dividends to net income (ytd only)*39.1506%2,566
Condition Ratios (%)
Loss allowance to loans1.4769%1,364
Loan loss allowance to noncurrent loans140.1709%2,832
Noncurrent assets plus other real estate owned to assets1.7711%586
Noncurrent loans to loans1.0536%1,547
Net loans and leases to total assets72.3855%2,192
Net loans and leases to deposits86.8041%2,178
Net loans and leases to core deposits96.8975%1,972
Total domestic deposits to total assets83.3895%3,197
Equity capital to assets14.8295%751
Core capital (leverage) ratio15.8230%544
Tier 1 risk-based capital ratio24.7204%763
Total risk-based capital ratio25.9755%749
Memoranda:
Average total assets$150,557,2003,379
Average earning assets$139,014,4003,370
Average equity$21,914,0002,899
Average total loans$114,350,6003,073
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8746%1,223
Cost of funding earning assets0.6062%2,429
Net interest margin4.2684%1,189
Noninterest income to average assets0.3457%3,833
Noninterest expense to average assets3.1788%1,577
Loan and lease loss provision to assets0.0798%2,362
Net operating income to assets0.8217%3,836
Return on assets (ROA)0.8217%3,849
Pretax return on assets1.0194%3,665
Return on Equity (ROE)5.6724%4,368
Retained earnings to average equity (ytd only)5.6724%2,840
Net charge-offs to loans-0.0208%4,642
Credit loss provision to net charge-offs-500.0000%4,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3058%1,547
Assets per employee ($millions)3.1357%4,935
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.6435%978
Loan loss allowance to noncurrent loans134.3571%2,953
Noncurrent assets plus other real estate owned to assets2.2137%441
Noncurrent loans to loans1.2232%1,380
Net loans and leases to total assets74.7897%1,857
Net loans and leases to deposits89.8948%1,915
Net loans and leases to core deposits103.6032%1,482
Total domestic deposits to total assets83.1969%3,234
Equity capital to assets14.7794%765
Core capital (leverage) ratio16.2143%489
Tier 1 risk-based capital ratio23.9578%852
Total risk-based capital ratio25.2151%834
Memoranda:
Average total assets$150,410,2503,419
Average earning assets$138,565,5003,413
Average equity$21,789,0002,932
Average total loans$115,176,5003,079
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8316%1,174
Cost of funding earning assets0.5584%2,532
Net interest margin4.2732%1,099
Noninterest income to average assets0.3445%3,872
Noninterest expense to average assets3.1854%1,576
Loan and lease loss provision to assets0.0798%2,310
Net operating income to assets0.8140%3,810
Return on assets (ROA)0.8140%3,816
Pretax return on assets1.0081%3,635
Return on Equity (ROE)5.6570%4,359
Retained earnings to average equity (ytd only)5.6570%2,744
Net charge-offs to loans0.0173%2,568
Credit loss provision to net charge-offs600.0000%616
Earnings coverage of net charge-offs (x)81.8000%814
Efficiency ratio74.5409%1,634
Assets per employee ($millions)3.0968%5,023
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.5548%1,223
Loan loss allowance to noncurrent loans135.0408%2,940
Noncurrent assets plus other real estate owned to assets2.2429%424
Noncurrent loans to loans1.1513%1,515
Net loans and leases to total assets77.4830%1,396
Net loans and leases to deposits93.0257%1,473
Net loans and leases to core deposits101.8292%1,575
Total domestic deposits to total assets83.2921%3,330
Equity capital to assets14.7557%743
Core capital (leverage) ratio15.9659%505
Tier 1 risk-based capital ratio23.1025%925
Total risk-based capital ratio24.3592%907
Memoranda:
Average total assets$150,375,6703,432
Average earning assets$138,256,0003,437
Average equity$21,637,0002,957
Average total loans$115,418,6703,088
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7125%1,280
Cost of funding earning assets0.5175%2,661
Net interest margin4.1950%1,187
Noninterest income to average assets0.3385%3,891
Noninterest expense to average assets3.2055%1,553
Loan and lease loss provision to assets0.0793%2,192
Net operating income to assets0.8014%3,698
Return on assets (ROA)0.8014%3,710
Pretax return on assets0.9125%3,810
Return on Equity (ROE)5.6402%4,268
Retained earnings to average equity (ytd only)5.6402%2,876
Net charge-offs to loans0.0314%1,870
Credit loss provision to net charge-offs333.3333%760
Earnings coverage of net charge-offs (x)41.6667%1,046
Efficiency ratio76.3705%1,549
Assets per employee ($millions)3.0622%5,114
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5633%1,245
Loan loss allowance to noncurrent loans154.5769%2,692
Noncurrent assets plus other real estate owned to assets2.1220%511
Noncurrent loans to loans1.0113%1,803
Net loans and leases to total assets75.1190%1,687
Net loans and leases to deposits89.2649%1,785
Net loans and leases to core deposits98.3654%1,816
Total domestic deposits to total assets84.1529%3,264
Equity capital to assets14.4156%793
Core capital (leverage) ratio15.7451%523
Tier 1 risk-based capital ratio22.6523%975
Total risk-based capital ratio23.9085%954
Memoranda:
Average total assets$151,239,5003,455
Average earning assets$139,119,5003,463
Average equity$21,488,5002,999
Average total loans$114,630,0003,127
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6261%1,360
Cost of funding earning assets0.4155%3,091
Net interest margin4.2106%1,169
Noninterest income to average assets0.3285%4,121
Noninterest expense to average assets3.0812%1,912
Loan and lease loss provision to assets0.1115%2,035
Net operating income to assets0.6006%4,010
Return on assets (ROA)0.6006%4,049
Pretax return on assets0.9967%3,584
Return on Equity (ROE)4.2703%4,416
Retained earnings to average equity (ytd only)1.9673%4,142
Net charge-offs to loans0.5706%403
Credit loss provision to net charge-offs26.8139%3,564
Earnings coverage of net charge-offs (x)2.6656%3,722
Efficiency ratio73.5483%1,970
Assets per employee ($millions)3.0487%5,164
Cash dividends to net income (ytd only)*53.9301%2,075
Condition Ratios (%)
Loss allowance to loans1.5415%1,291
Loan loss allowance to noncurrent loans177.6104%2,497
Noncurrent assets plus other real estate owned to assets1.9766%570
Noncurrent loans to loans0.8679%2,054
Net loans and leases to total assets74.1231%1,898
Net loans and leases to deposits87.5076%2,081
Net loans and leases to core deposits99.4595%1,754
Total domestic deposits to total assets84.7048%2,946
Equity capital to assets14.0042%913
Core capital (leverage) ratio15.7190%510
Tier 1 risk-based capital ratio22.4187%972
Total risk-based capital ratio23.6744%947
Memoranda:
Average total assets$152,507,6003,437
Average earning assets$139,837,0003,455
Average equity$21,450,4002,998
Average total loans$111,119,2003,164
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5912%1,393
Cost of funding earning assets0.3979%3,221
Net interest margin4.1933%1,165
Noninterest income to average assets0.2631%4,626
Noninterest expense to average assets3.1128%1,763
Loan and lease loss provision to assets0.1399%1,520
Net operating income to assets0.5909%4,420
Return on assets (ROA)0.5909%4,460
Pretax return on assets0.8523%4,201
Return on Equity (ROE)4.1968%4,795
Retained earnings to average equity (ytd only)4.1968%3,399
Net charge-offs to loans0.7694%242
Credit loss provision to net charge-offs25.1572%3,117
Earnings coverage of net charge-offs (x)1.7846%3,548
Efficiency ratio75.8305%1,615
Assets per employee ($millions)2.8156%5,379
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.5791%1,285
Loan loss allowance to noncurrent loans162.9286%2,609
Noncurrent assets plus other real estate owned to assets2.2055%549
Noncurrent loans to loans0.9692%1,989
Net loans and leases to total assets76.3061%1,535
Net loans and leases to deposits91.3640%1,642
Net loans and leases to core deposits102.4555%1,513
Total domestic deposits to total assets83.5188%3,281
Equity capital to assets15.2054%689
Core capital (leverage) ratio15.5338%571
Tier 1 risk-based capital ratio22.9136%955
Total risk-based capital ratio24.1694%941
Memoranda:
Average total assets$152,526,2503,466
Average earning assets$139,743,2503,487
Average equity$21,476,2503,024
Average total loans$110,209,7503,203
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4418%1,690
Cost of funding earning assets0.3804%3,286
Net interest margin4.0613%1,426
Noninterest income to average assets0.2174%4,951
Noninterest expense to average assets3.0559%1,955
Loan and lease loss provision to assets0.1672%1,183
Net operating income to assets0.5003%4,705
Return on assets (ROA)0.5003%4,740
Pretax return on assets0.7151%4,511
Return on Equity (ROE)3.6428%4,941
Retained earnings to average equity (ytd only)3.6428%3,539
Net charge-offs to loans1.0798%184
Credit loss provision to net charge-offs21.9224%2,775
Earnings coverage of net charge-offs (x)1.1568%3,316
Efficiency ratio77.5963%1,517
Assets per employee ($millions)3.0305%5,241
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.6108%1,239
Loan loss allowance to noncurrent loans146.4020%2,835
Noncurrent assets plus other real estate owned to assets2.1345%572
Noncurrent loans to loans1.1003%1,779
Net loans and leases to total assets69.9483%2,534
Net loans and leases to deposits82.2830%2,673
Net loans and leases to core deposits96.8971%1,897
Total domestic deposits to total assets85.0094%2,805
Equity capital to assets13.9444%983
Core capital (leverage) ratio15.0756%611
Tier 1 risk-based capital ratio23.3004%911
Total risk-based capital ratio24.5568%898
Memoranda:
Average total assets$155,503,6703,444
Average earning assets$142,465,0003,457
Average equity$21,357,0003,039
Average total loans$109,836,6703,223
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3819%1,708
Cost of funding earning assets0.3726%3,280
Net interest margin4.0092%1,447
Noninterest income to average assets0.3872%3,756
Noninterest expense to average assets3.0569%1,991
Loan and lease loss provision to assets0.2564%570
Net operating income to assets0.4949%4,621
Return on assets (ROA)0.4949%4,642
Pretax return on assets0.7437%4,301
Return on Equity (ROE)3.6313%4,906
Retained earnings to average equity (ytd only)3.6313%3,621
Net charge-offs to loans0.2914%628
Credit loss provision to net charge-offs125.0000%1,346
Earnings coverage of net charge-offs (x)4.8750%2,340
Efficiency ratio75.3477%2,013
Assets per employee ($millions)3.0320%5,323
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans2.0781%578
Loan loss allowance to noncurrent loans85.9523%3,875
Noncurrent assets plus other real estate owned to assets3.2587%282
Noncurrent loans to loans2.4178%663
Net loans and leases to total assets69.1735%2,507
Net loans and leases to deposits81.4671%2,573
Net loans and leases to core deposits95.3002%1,868
Total domestic deposits to total assets84.9098%3,122
Equity capital to assets13.8078%971
Core capital (leverage) ratio14.7591%653
Tier 1 risk-based capital ratio22.7070%1,012
Total risk-based capital ratio23.9698%991
Memoranda:
Average total assets$155,977,0003,475
Average earning assets$142,770,5003,487
Average equity$21,259,5003,058
Average total loans$109,815,0003,250
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6625%1,135
Cost of funding earning assets0.4012%2,986
Net interest margin4.2614%993
Noninterest income to average assets0.3165%4,468
Noninterest expense to average assets3.0593%2,142
Loan and lease loss provision to assets0.4148%366
Net operating income to assets0.5175%4,560
Return on assets (ROA)0.5175%4,645
Pretax return on assets0.7403%4,373
Return on Equity (ROE)3.7981%4,900
Retained earnings to average equity (ytd only)1.7750%4,516
Net charge-offs to loans0.1661%1,626
Credit loss provision to net charge-offs351.3514%875
Earnings coverage of net charge-offs (x)9.7838%2,717
Efficiency ratio72.5924%2,491
Assets per employee ($millions)3.0848%5,282
Cash dividends to net income (ytd only)*53.2676%2,113
Condition Ratios (%)
Loss allowance to loans2.0318%620
Loan loss allowance to noncurrent loans72.8247%4,166
Noncurrent assets plus other real estate owned to assets3.4191%261
Noncurrent loans to loans2.7899%525
Net loans and leases to total assets68.7460%2,659
Net loans and leases to deposits80.5233%2,836
Net loans and leases to core deposits95.7107%1,947
Total domestic deposits to total assets85.3741%2,892
Equity capital to assets13.4550%1,072
Core capital (leverage) ratio14.5204%693
Tier 1 risk-based capital ratio21.9756%1,086
Total risk-based capital ratio23.2371%1,059
Memoranda:
Average total assets$156,701,4003,429
Average earning assets$143,334,4003,459
Average equity$21,352,6003,036
Average total loans$111,351,0003,195
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6940%1,079
Cost of funding earning assets0.4071%2,956
Net interest margin4.2869%951
Noninterest income to average assets0.3143%4,520
Noninterest expense to average assets3.1283%1,959
Loan and lease loss provision to assets0.4258%326
Net operating income to assets0.4974%4,707
Return on assets (ROA)0.4974%4,799
Pretax return on assets0.6797%4,669
Return on Equity (ROE)3.6388%5,038
Retained earnings to average equity (ytd only)3.6388%3,711
Net charge-offs to loans0.0502%2,655
Credit loss provision to net charge-offs1,190.4762%350
Earnings coverage of net charge-offs (x)30.9039%1,460
Efficiency ratio73.8886%2,304
Assets per employee ($millions)3.0027%5,391
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.0215%701
Loan loss allowance to noncurrent loans101.4097%3,591
Noncurrent assets plus other real estate owned to assets2.9595%392
Noncurrent loans to loans1.9934%993
Net loans and leases to total assets69.2229%2,606
Net loans and leases to deposits81.4769%2,800
Net loans and leases to core deposits100.3593%1,601
Total domestic deposits to total assets84.9602%2,824
Equity capital to assets13.8825%1,085
Core capital (leverage) ratio15.0864%611
Tier 1 risk-based capital ratio23.4176%958
Total risk-based capital ratio24.6805%936
Memoranda:
Average total assets$156,545,7503,447
Average earning assets$143,131,0003,475
Average equity$21,398,7503,052
Average total loans$111,589,5003,205
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7019%1,045
Cost of funding earning assets0.4161%2,879
Net interest margin4.2857%951
Noninterest income to average assets0.2949%4,670
Noninterest expense to average assets3.1172%2,011
Loan and lease loss provision to assets0.4468%321
Net operating income to assets0.4863%4,734
Return on assets (ROA)0.4863%4,836
Pretax return on assets0.6484%4,764
Return on Equity (ROE)3.5764%5,064
Retained earnings to average equity (ytd only)3.5764%3,614
Net charge-offs to loans-0.2357%5,839
Credit loss provision to net charge-offs-265.1515%4,788
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0000%2,359
Assets per employee ($millions)3.0574%5,363
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.0452%682
Loan loss allowance to noncurrent loans101.0319%3,686
Noncurrent assets plus other real estate owned to assets2.9937%408
Noncurrent loans to loans2.0243%977
Net loans and leases to total assets69.1730%2,610
Net loans and leases to deposits81.2450%2,787
Net loans and leases to core deposits95.7139%2,004
Total domestic deposits to total assets85.1412%2,804
Equity capital to assets13.7846%1,106
Core capital (leverage) ratio14.6566%679
Tier 1 risk-based capital ratio22.8312%1,032
Total risk-based capital ratio24.0933%1,014
Memoranda:
Average total assets$156,681,3303,467
Average earning assets$143,219,3303,488
Average equity$21,306,3303,068
Average total loans$112,014,6703,206
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7513%945
Cost of funding earning assets0.4155%2,898
Net interest margin4.3359%858
Noninterest income to average assets0.2470%4,967
Noninterest expense to average assets3.0893%2,125
Loan and lease loss provision to assets0.5094%241
Net operating income to assets0.4330%4,889
Return on assets (ROA)0.4330%4,967
Pretax return on assets0.6087%4,797
Return on Equity (ROE)3.2057%5,157
Retained earnings to average equity (ytd only)3.2057%3,898
Net charge-offs to loans-0.8038%6,030
Credit loss provision to net charge-offs-88.1057%4,215
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4262%2,571
Assets per employee ($millions)3.1737%5,313
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.0036%814
Loan loss allowance to noncurrent loans133.8415%2,989
Noncurrent assets plus other real estate owned to assets2.6222%547
Noncurrent loans to loans1.4970%1,565
Net loans and leases to total assets67.6544%2,702
Net loans and leases to deposits79.2933%2,879
Net loans and leases to core deposits93.4530%2,053
Total domestic deposits to total assets85.3217%2,994
Equity capital to assets13.4362%1,202
Core capital (leverage) ratio14.7940%644
Tier 1 risk-based capital ratio22.7572%1,046
Total risk-based capital ratio24.0189%1,016
Memoranda:
Average total assets$157,058,0003,478
Average earning assets$143,455,0003,503
Average equity$21,212,5003,085
Average total loans$112,966,0003,199
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9021%764
Cost of funding earning assets0.4558%2,570
Net interest margin4.4463%719
Noninterest income to average assets0.1953%5,415
Noninterest expense to average assets3.0197%2,478
Loan and lease loss provision to assets0.8379%113
Net operating income to assets0.2946%5,376
Return on assets (ROA)0.2946%5,455
Pretax return on assets0.3932%5,328
Return on Equity (ROE)2.1606%5,533
Retained earnings to average equity (ytd only)1.2292%5,015
Net charge-offs to loans1.3349%124
Credit loss provision to net charge-offs85.2459%2,855
Earnings coverage of net charge-offs (x)1.2525%4,119
Efficiency ratio71.0387%3,061
Assets per employee ($millions)3.0477%5,478
Cash dividends to net income (ytd only)*43.1072%2,692
Condition Ratios (%)
Loss allowance to loans1.5338%1,849
Loan loss allowance to noncurrent loans69.3743%4,399
Noncurrent assets plus other real estate owned to assets3.4549%346
Noncurrent loans to loans2.2108%895
Net loans and leases to total assets73.7269%1,772
Net loans and leases to deposits86.3943%2,079
Net loans and leases to core deposits95.9051%1,858
Total domestic deposits to total assets85.3377%2,930
Equity capital to assets13.5776%1,099
Core capital (leverage) ratio14.8392%645
Tier 1 risk-based capital ratio21.7177%1,187
Total risk-based capital ratio22.9733%1,164
Memoranda:
Average total assets$155,148,2003,490
Average earning assets$141,510,2003,520
Average equity$21,151,4003,053
Average total loans$114,243,6003,135
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9155%743
Cost of funding earning assets0.4619%2,561
Net interest margin4.4535%719
Noninterest income to average assets0.2089%5,396
Noninterest expense to average assets3.0737%2,284
Loan and lease loss provision to assets0.5159%197
Net operating income to assets0.4858%4,842
Return on assets (ROA)0.4858%4,934
Pretax return on assets0.6809%4,748
Return on Equity (ROE)3.5595%5,199
Retained earnings to average equity (ytd only)3.5595%3,937
Net charge-offs to loans1.3344%120
Credit loss provision to net charge-offs52.7241%3,007
Earnings coverage of net charge-offs (x)1.2232%3,865
Efficiency ratio71.9750%2,889
Assets per employee ($millions)2.8323%5,725
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.2766%3,225
Loan loss allowance to noncurrent loans59.9918%4,692
Noncurrent assets plus other real estate owned to assets3.5575%357
Noncurrent loans to loans2.1280%1,052
Net loans and leases to total assets73.6184%1,800
Net loans and leases to deposits86.7610%2,058
Net loans and leases to core deposits97.3189%1,760
Total domestic deposits to total assets84.8520%3,076
Equity capital to assets14.0195%1,012
Core capital (leverage) ratio15.0811%621
Tier 1 risk-based capital ratio22.6795%1,099
Total risk-based capital ratio23.9315%1,077
Memoranda:
Average total assets$155,077,0003,525
Average earning assets$141,426,7503,554
Average equity$21,163,2503,074
Average total loans$113,709,2503,167
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8093%877
Cost of funding earning assets0.4620%2,587
Net interest margin4.3473%840
Noninterest income to average assets0.1014%6,025
Noninterest expense to average assets3.0298%2,464
Loan and lease loss provision to assets0.3851%324
Net operating income to assets0.4699%4,892
Return on assets (ROA)0.4699%4,990
Pretax return on assets0.6612%4,786
Return on Equity (ROE)3.4741%5,240
Retained earnings to average equity (ytd only)3.4741%3,830
Net charge-offs to loans1.7377%87
Credit loss provision to net charge-offs30.3951%2,925
Earnings coverage of net charge-offs (x)0.8257%3,614
Efficiency ratio74.3307%2,639
Assets per employee ($millions)2.9334%5,677
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.1297%4,182
Loan loss allowance to noncurrent loans29.8995%5,503
Noncurrent assets plus other real estate owned to assets4.9110%232
Noncurrent loans to loans3.7784%439
Net loans and leases to total assets75.1034%1,490
Net loans and leases to deposits88.3044%1,794
Net loans and leases to core deposits95.7139%1,827
Total domestic deposits to total assets85.0506%3,103
Equity capital to assets13.9181%1,007
Core capital (leverage) ratio14.8904%635
Tier 1 risk-based capital ratio21.0205%1,356
Total risk-based capital ratio22.2356%1,333
Memoranda:
Average total assets$155,788,0003,547
Average earning assets$142,432,3303,563
Average equity$21,070,3303,103
Average total loans$113,595,3303,189
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7311%982
Cost of funding earning assets0.4662%2,598
Net interest margin4.2649%952
Noninterest income to average assets0.3456%4,436
Noninterest expense to average assets2.9959%2,596
Loan and lease loss provision to assets0.3812%320
Net operating income to assets0.6149%4,218
Return on assets (ROA)0.6149%4,307
Pretax return on assets0.8741%3,987
Return on Equity (ROE)4.6116%4,708
Retained earnings to average equity (ytd only)4.6116%3,264
Net charge-offs to loans0.3450%708
Credit loss provision to net charge-offs154.6392%1,227
Earnings coverage of net charge-offs (x)5.0928%2,417
Efficiency ratio70.4722%3,401
Assets per employee ($millions)2.9740%5,704
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.8266%1,440
Loan loss allowance to noncurrent loans34.7149%5,433
Noncurrent assets plus other real estate owned to assets5.3826%212
Noncurrent loans to loans5.2616%238
Net loans and leases to total assets71.3177%1,930
Net loans and leases to deposits83.8076%2,107
Net loans and leases to core deposits88.7339%2,248
Total domestic deposits to total assets85.0969%3,357
Equity capital to assets13.6538%1,106
Core capital (leverage) ratio14.3242%732
Tier 1 risk-based capital ratio21.4901%1,329
Total risk-based capital ratio22.7487%1,299
Memoranda:
Average total assets$157,414,5003,549
Average earning assets$144,154,0003,561
Average equity$20,990,5003,137
Average total loans$112,459,0003,221
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8581%1,000
Cost of funding earning assets0.5248%2,437
Net interest margin4.3333%992
Noninterest income to average assets0.4027%4,159
Noninterest expense to average assets3.0325%2,747
Loan and lease loss provision to assets0.3787%491
Net operating income to assets0.6597%4,089
Return on assets (ROA)0.6597%4,189
Pretax return on assets0.9267%3,796
Return on Equity (ROE)4.8789%4,722
Retained earnings to average equity (ytd only)2.9880%4,111
Net charge-offs to loans0.8956%360
Credit loss provision to net charge-offs61.6016%3,256
Earnings coverage of net charge-offs (x)2.1232%4,238
Efficiency ratio69.9069%3,546
Assets per employee ($millions)3.0223%5,670
Cash dividends to net income (ytd only)*38.7560%2,919
Condition Ratios (%)
Loss allowance to loans1.7757%1,584
Loan loss allowance to noncurrent loans36.3124%5,480
Noncurrent assets plus other real estate owned to assets4.9624%282
Noncurrent loans to loans4.8900%310
Net loans and leases to total assets69.0317%2,393
Net loans and leases to deposits80.4506%2,667
Net loans and leases to core deposits85.7339%2,715
Total domestic deposits to total assets85.8062%2,945
Equity capital to assets13.0264%1,360
Core capital (leverage) ratio14.3060%748
Tier 1 risk-based capital ratio19.9169%1,611
Total risk-based capital ratio21.1738%1,582
Memoranda:
Average total assets$158,416,4003,512
Average earning assets$143,861,8003,539
Average equity$21,418,8003,011
Average total loans$108,748,6003,248
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8635%1,002
Cost of funding earning assets0.5356%2,415
Net interest margin4.3279%994
Noninterest income to average assets0.3418%4,707
Noninterest expense to average assets3.0671%2,572
Loan and lease loss provision to assets0.3798%455
Net operating income to assets0.5798%4,541
Return on assets (ROA)0.5798%4,624
Pretax return on assets0.8161%4,307
Return on Equity (ROE)4.2491%5,063
Retained earnings to average equity (ytd only)4.2491%3,633
Net charge-offs to loans1.0291%291
Credit loss provision to net charge-offs54.0865%3,042
Earnings coverage of net charge-offs (x)1.7031%4,097
Efficiency ratio71.9461%3,190
Assets per employee ($millions)2.7967%5,976
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.8185%1,655
Loan loss allowance to noncurrent loans36.5441%5,546
Noncurrent assets plus other real estate owned to assets5.3382%297
Noncurrent loans to loans4.9761%370
Net loans and leases to total assets69.7803%2,228
Net loans and leases to deposits81.8257%2,452
Net loans and leases to core deposits87.8476%2,446
Total domestic deposits to total assets85.2793%3,231
Equity capital to assets14.2292%933
Core capital (leverage) ratio14.5309%714
Tier 1 risk-based capital ratio20.4290%1,571
Total risk-based capital ratio21.6862%1,531
Memoranda:
Average total assets$157,974,7503,543
Average earning assets$143,131,0003,591
Average equity$21,557,0003,000
Average total loans$107,791,7503,289
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8486%992
Cost of funding earning assets0.5447%2,389
Net interest margin4.3039%1,017
Noninterest income to average assets0.4016%4,234
Noninterest expense to average assets2.9970%2,840
Loan and lease loss provision to assets0.3765%458
Net operating income to assets0.6514%4,089
Return on assets (ROA)0.6514%4,190
Pretax return on assets0.9249%3,785
Return on Equity (ROE)4.8398%4,753
Retained earnings to average equity (ytd only)4.8398%3,064
Net charge-offs to loans1.2304%252
Credit loss provision to net charge-offs45.4545%2,857
Earnings coverage of net charge-offs (x)1.5712%3,769
Efficiency ratio69.7226%3,705
Assets per employee ($millions)2.9397%5,843
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.8967%1,594
Loan loss allowance to noncurrent loans31.0578%5,745
Noncurrent assets plus other real estate owned to assets5.9473%252
Noncurrent loans to loans6.1069%249
Net loans and leases to total assets67.0608%2,566
Net loans and leases to deposits78.3077%2,757
Net loans and leases to core deposits86.2098%2,495
Total domestic deposits to total assets85.6375%3,222
Equity capital to assets13.9433%993
Core capital (leverage) ratio14.2058%772
Tier 1 risk-based capital ratio20.6136%1,538
Total risk-based capital ratio21.8714%1,510
Memoranda:
Average total assets$159,360,6703,545
Average earning assets$144,287,6703,591
Average equity$21,447,0003,004
Average total loans$107,281,6703,301
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7694%1,106
Cost of funding earning assets0.5513%2,409
Net interest margin4.2181%1,166
Noninterest income to average assets0.3922%4,256
Noninterest expense to average assets2.9589%3,022
Loan and lease loss provision to assets0.3723%456
Net operating income to assets0.6206%4,096
Return on assets (ROA)0.6206%4,178
Pretax return on assets0.8787%3,786
Return on Equity (ROE)4.6930%4,690
Retained earnings to average equity (ytd only)4.6930%3,299
Net charge-offs to loans1.7349%171
Credit loss provision to net charge-offs32.1199%2,379
Earnings coverage of net charge-offs (x)1.0792%3,188
Efficiency ratio70.2830%3,786
Assets per employee ($millions)3.0842%5,717
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9349%1,659
Loan loss allowance to noncurrent loans33.4304%5,758
Noncurrent assets plus other real estate owned to assets5.8562%297
Noncurrent loans to loans5.7878%329
Net loans and leases to total assets65.3213%2,670
Net loans and leases to deposits75.8357%2,828
Net loans and leases to core deposits84.0711%2,503
Total domestic deposits to total assets86.1353%3,287
Equity capital to assets13.3584%1,152
Core capital (leverage) ratio13.7904%894
Tier 1 risk-based capital ratio20.2165%1,668
Total risk-based capital ratio21.4744%1,631
Memoranda:
Average total assets$161,140,0003,545
Average earning assets$145,847,5003,593
Average equity$21,308,5003,016
Average total loans$107,671,5003,307
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0654%809
Cost of funding earning assets0.6434%2,261
Net interest margin4.4220%875
Noninterest income to average assets0.2269%5,719
Noninterest expense to average assets2.9395%3,231
Loan and lease loss provision to assets0.4731%596
Net operating income to assets0.5823%4,348
Return on assets (ROA)0.5823%4,460
Pretax return on assets0.8207%4,070
Return on Equity (ROE)4.6207%4,828
Retained earnings to average equity (ytd only)2.7195%4,303
Net charge-offs to loans0.6475%1,001
Credit loss provision to net charge-offs107.1429%2,240
Earnings coverage of net charge-offs (x)2.9299%4,019
Efficiency ratio69.4369%3,931
Assets per employee ($millions)3.0548%5,754
Cash dividends to net income (ytd only)*41.1458%2,750
Condition Ratios (%)
Loss allowance to loans2.1813%1,203
Loan loss allowance to noncurrent loans38.2948%5,694
Noncurrent assets plus other real estate owned to assets5.7980%342
Noncurrent loans to loans5.6960%383
Net loans and leases to total assets65.5631%2,759
Net loans and leases to deposits75.9051%2,977
Net loans and leases to core deposits80.8365%3,031
Total domestic deposits to total assets86.3751%3,058
Equity capital to assets13.0900%1,234
Core capital (leverage) ratio13.6359%917
Tier 1 risk-based capital ratio19.7416%1,719
Total risk-based capital ratio21.0025%1,684
Memoranda:
Average total assets$164,860,4003,492
Average earning assets$149,367,0003,516
Average equity$20,776,2003,075
Average total loans$112,439,6003,202
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0963%775
Cost of funding earning assets0.6607%2,259
Net interest margin4.4356%830
Noninterest income to average assets0.3398%4,974
Noninterest expense to average assets2.9323%3,202
Loan and lease loss provision to assets0.4710%593
Net operating income to assets0.6795%3,956
Return on assets (ROA)0.6795%4,102
Pretax return on assets0.9581%3,656
Return on Equity (ROE)5.4436%4,499
Retained earnings to average equity (ytd only)5.4436%2,761
Net charge-offs to loans0.8817%657
Credit loss provision to net charge-offs78.0000%2,895
Earnings coverage of net charge-offs (x)2.3667%4,047
Efficiency ratio67.2328%4,254
Assets per employee ($millions)2.9191%5,980
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.9518%1,845
Loan loss allowance to noncurrent loans37.1908%5,736
Noncurrent assets plus other real estate owned to assets5.8100%430
Noncurrent loans to loans5.2481%545
Net loans and leases to total assets67.2710%2,419
Net loans and leases to deposits78.2775%2,614
Net loans and leases to core deposits83.6094%2,688
Total domestic deposits to total assets85.9391%3,296
Equity capital to assets13.0743%1,304
Core capital (leverage) ratio13.7991%923
Tier 1 risk-based capital ratio20.0185%1,733
Total risk-based capital ratio21.2771%1,704
Memoranda:
Average total assets$165,600,0003,514
Average earning assets$150,145,7503,530
Average equity$20,672,0003,118
Average total loans$113,420,7503,196
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0942%778
Cost of funding earning assets0.6661%2,348
Net interest margin4.4282%807
Noninterest income to average assets0.3025%5,287
Noninterest expense to average assets2.8598%3,478
Loan and lease loss provision to assets0.4663%611
Net operating income to assets0.7066%3,772
Return on assets (ROA)0.7066%3,944
Pretax return on assets0.9983%3,518
Return on Equity (ROE)5.7474%4,317
Retained earnings to average equity (ytd only)5.7474%2,587
Net charge-offs to loans0.9956%612
Credit loss provision to net charge-offs68.4211%2,855
Earnings coverage of net charge-offs (x)2.1491%3,809
Efficiency ratio66.1322%4,528
Assets per employee ($millions)3.0069%5,845
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.9176%2,068
Loan loss allowance to noncurrent loans35.6190%5,819
Noncurrent assets plus other real estate owned to assets5.5183%530
Noncurrent loans to loans5.3836%576
Net loans and leases to total assets66.0334%2,583
Net loans and leases to deposits76.3595%2,826
Net loans and leases to core deposits81.3535%2,879
Total domestic deposits to total assets86.4770%3,124
Equity capital to assets12.5943%1,523
Core capital (leverage) ratio13.2172%1,090
Tier 1 risk-based capital ratio19.7133%1,790
Total risk-based capital ratio20.9713%1,765
Memoranda:
Average total assets$167,282,6703,507
Average earning assets$151,936,3303,514
Average equity$20,565,6703,147
Average total loans$114,509,3303,176
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1536%673
Cost of funding earning assets0.6809%2,378
Net interest margin4.4728%708
Noninterest income to average assets0.1831%6,169
Noninterest expense to average assets2.8246%3,615
Loan and lease loss provision to assets0.4636%601
Net operating income to assets0.6800%3,783
Return on assets (ROA)0.6800%3,938
Pretax return on assets0.9558%3,544
Return on Equity (ROE)5.5984%4,264
Retained earnings to average equity (ytd only)5.5984%2,900
Net charge-offs to loans1.6090%322
Credit loss provision to net charge-offs41.7559%2,723
Earnings coverage of net charge-offs (x)1.2784%3,401
Efficiency ratio66.5546%4,566
Assets per employee ($millions)3.1019%5,822
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7874%2,663
Loan loss allowance to noncurrent loans34.0614%5,868
Noncurrent assets plus other real estate owned to assets5.4393%636
Noncurrent loans to loans5.2477%715
Net loans and leases to total assets67.0163%2,190
Net loans and leases to deposits77.1772%2,467
Net loans and leases to core deposits82.1490%2,549
Total domestic deposits to total assets86.8343%3,056
Equity capital to assets12.2839%1,848
Core capital (leverage) ratio12.9151%1,148
Tier 1 risk-based capital ratio18.9739%2,047
Total risk-based capital ratio20.2307%2,021
Memoranda:
Average total assets$168,235,5003,530
Average earning assets$152,747,0003,546
Average equity$20,434,5003,204
Average total loans$116,094,5003,155
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2709%983
Cost of funding earning assets0.8676%2,161
Net interest margin4.4032%1,155
Noninterest income to average assets0.1920%6,032
Noninterest expense to average assets2.6845%4,456
Loan and lease loss provision to assets0.4524%1,392
Net operating income to assets0.7419%3,547
Return on assets (ROA)0.7419%3,790
Pretax return on assets1.0528%3,347
Return on Equity (ROE)6.3612%3,979
Retained earnings to average equity (ytd only)4.3767%3,147
Net charge-offs to loans0.7754%1,512
Credit loss provision to net charge-offs83.6910%3,703
Earnings coverage of net charge-offs (x)2.7843%4,037
Efficiency ratio64.0731%4,870
Assets per employee ($millions)3.1290%5,788
Cash dividends to net income (ytd only)*31.1962%3,321
Condition Ratios (%)
Loss allowance to loans1.9637%2,119
Loan loss allowance to noncurrent loans37.1232%5,767
Noncurrent assets plus other real estate owned to assets5.7461%630
Noncurrent loans to loans5.2896%721
Net loans and leases to total assets68.4015%2,119
Net loans and leases to deposits78.5387%2,459
Net loans and leases to core deposits83.8449%2,568
Total domestic deposits to total assets87.0927%2,784
Equity capital to assets12.0100%2,043
Core capital (leverage) ratio12.8150%1,194
Tier 1 risk-based capital ratio18.1983%2,192
Total risk-based capital ratio19.4577%2,148
Memoranda:
Average total assets$172,399,8003,411
Average earning assets$156,521,2003,427
Average equity$20,106,4003,194
Average total loans$120,199,6003,071
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2654%1,071
Cost of funding earning assets0.9033%2,151
Net interest margin4.3621%1,317
Noninterest income to average assets0.2817%5,526
Noninterest expense to average assets2.6842%4,430
Loan and lease loss provision to assets0.4502%1,393
Net operating income to assets0.7795%3,549
Return on assets (ROA)0.7795%3,795
Pretax return on assets1.1089%3,321
Return on Equity (ROE)6.7330%3,942
Retained earnings to average equity (ytd only)6.7330%2,260
Net charge-offs to loans0.7441%1,489
Credit loss provision to net charge-offs86.7953%3,399
Earnings coverage of net charge-offs (x)3.0060%3,830
Efficiency ratio63.2572%4,935
Assets per employee ($millions)3.0897%5,879
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0089%2,144
Loan loss allowance to noncurrent loans37.9933%5,745
Noncurrent assets plus other real estate owned to assets5.9296%680
Noncurrent loans to loans5.2876%827
Net loans and leases to total assets69.5227%2,009
Net loans and leases to deposits80.1007%2,377
Net loans and leases to core deposits85.4379%2,532
Total domestic deposits to total assets86.7941%2,802
Equity capital to assets12.3332%2,010
Core capital (leverage) ratio12.7716%1,287
Tier 1 risk-based capital ratio18.5326%2,157
Total risk-based capital ratio19.7924%2,116
Memoranda:
Average total assets$173,258,0003,437
Average earning assets$157,351,5003,458
Average equity$20,059,7503,229
Average total loans$120,776,7503,098
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2197%1,201
Cost of funding earning assets0.9299%2,184
Net interest margin4.2898%1,498
Noninterest income to average assets0.2326%5,905
Noninterest expense to average assets2.6511%4,602
Loan and lease loss provision to assets0.4447%1,452
Net operating income to assets0.7423%3,637
Return on assets (ROA)0.7423%3,916
Pretax return on assets1.0399%3,558
Return on Equity (ROE)6.5469%4,025
Retained earnings to average equity (ytd only)6.5469%2,360
Net charge-offs to loans0.6448%1,706
Credit loss provision to net charge-offs99.4898%2,793
Earnings coverage of net charge-offs (x)3.3214%3,421
Efficiency ratio64.1026%4,885
Assets per employee ($millions)3.2321%5,589
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.0628%2,074
Loan loss allowance to noncurrent loans38.9477%5,708
Noncurrent assets plus other real estate owned to assets5.7039%764
Noncurrent loans to loans5.2964%897
Net loans and leases to total assets68.3187%2,230
Net loans and leases to deposits78.1928%2,640
Net loans and leases to core deposits83.2269%2,794
Total domestic deposits to total assets87.3721%2,552
Equity capital to assets11.8007%2,311
Core capital (leverage) ratio12.2208%1,487
Tier 1 risk-based capital ratio17.8554%2,342
Total risk-based capital ratio19.1156%2,307
Memoranda:
Average total assets$175,396,6703,433
Average earning assets$159,587,0003,435
Average equity$19,887,3303,237
Average total loans$121,578,6703,104
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1832%1,352
Cost of funding earning assets0.9689%2,168
Net interest margin4.2143%1,720
Noninterest income to average assets0.3922%4,727
Noninterest expense to average assets2.6284%4,713
Loan and lease loss provision to assets0.4396%1,423
Net operating income to assets0.8048%3,357
Return on assets (ROA)0.8048%3,597
Pretax return on assets1.1677%3,037
Return on Equity (ROE)7.2401%3,636
Retained earnings to average equity (ytd only)7.2401%2,307
Net charge-offs to loans0.1957%2,943
Credit loss provision to net charge-offs325.0000%921
Earnings coverage of net charge-offs (x)11.8833%1,639
Efficiency ratio62.0543%5,266
Assets per employee ($millions)3.2825%5,605
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.1697%1,948
Loan loss allowance to noncurrent loans40.9570%5,564
Noncurrent assets plus other real estate owned to assets5.6912%850
Noncurrent loans to loans5.2974%1,031
Net loans and leases to total assets66.1890%2,437
Net loans and leases to deposits75.2390%2,936
Net loans and leases to core deposits82.1050%2,821
Total domestic deposits to total assets87.9716%2,342
Equity capital to assets11.2070%2,709
Core capital (leverage) ratio11.7702%1,724
Tier 1 risk-based capital ratio17.2221%2,596
Total risk-based capital ratio18.4830%2,557
Memoranda:
Average total assets$177,443,5003,416
Average earning assets$161,829,0003,411
Average equity$19,723,5003,261
Average total loans$122,619,5003,090
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4549%1,280
Cost of funding earning assets1.3385%1,301
Net interest margin4.1164%2,363
Noninterest income to average assets-0.0690%7,076
Noninterest expense to average assets2.5498%5,296
Loan and lease loss provision to assets0.4448%2,375
Net operating income to assets0.4642%4,568
Return on assets (ROA)0.4642%4,770
Pretax return on assets0.6422%4,548
Return on Equity (ROE)4.0928%4,809
Retained earnings to average equity (ytd only)2.3330%4,557
Net charge-offs to loans0.3943%3,439
Credit loss provision to net charge-offs158.2150%1,755
Earnings coverage of net charge-offs (x)3.8661%3,360
Efficiency ratio70.1113%3,928
Assets per employee ($millions)3.1720%5,765
Cash dividends to net income (ytd only)*42.9975%2,421
Condition Ratios (%)
Loss allowance to loans1.9687%2,375
Loan loss allowance to noncurrent loans30.8414%6,146
Noncurrent assets plus other real estate owned to assets6.3609%749
Noncurrent loans to loans6.3832%748
Net loans and leases to total assets69.1580%2,192
Net loans and leases to deposits78.6194%2,742
Net loans and leases to core deposits85.6529%2,675
Total domestic deposits to total assets87.9655%2,188
Equity capital to assets11.0240%2,957
Core capital (leverage) ratio11.6436%1,795
Tier 1 risk-based capital ratio16.6421%2,757
Total risk-based capital ratio17.9016%2,713
Memoranda:
Average total assets$175,347,4003,407
Average earning assets$157,858,2003,444
Average equity$19,888,8003,169
Average total loans$125,021,0003,081
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4802%1,304
Cost of funding earning assets1.4094%1,197
Net interest margin4.0708%2,594
Noninterest income to average assets0.0282%7,021
Noninterest expense to average assets2.6090%5,045
Loan and lease loss provision to assets0.4463%2,238
Net operating income to assets0.4516%4,768
Return on assets (ROA)0.4516%4,958
Pretax return on assets0.6240%4,730
Return on Equity (ROE)3.9534%5,014
Retained earnings to average equity (ytd only)3.9534%3,906
Net charge-offs to loans0.4620%2,885
Credit loss provision to net charge-offs135.1039%2,361
Earnings coverage of net charge-offs (x)3.2402%3,528
Efficiency ratio70.9102%3,759
Assets per employee ($millions)3.0687%5,967
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.8775%2,688
Loan loss allowance to noncurrent loans31.6626%6,156
Noncurrent assets plus other real estate owned to assets6.2487%839
Noncurrent loans to loans5.9296%944
Net loans and leases to total assets69.6479%2,149
Net loans and leases to deposits79.2694%2,765
Net loans and leases to core deposits86.5125%2,707
Total domestic deposits to total assets87.8622%2,121
Equity capital to assets11.5958%2,590
Core capital (leverage) ratio11.7169%1,876
Tier 1 risk-based capital ratio16.5191%2,854
Total risk-based capital ratio17.7768%2,816
Memoranda:
Average total assets$174,776,5003,434
Average earning assets$156,753,7503,487
Average equity$19,965,5003,145
Average total loans$124,948,0003,103
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4320%1,469
Cost of funding earning assets1.4601%1,161
Net interest margin3.9719%2,981
Noninterest income to average assets0.4006%4,677
Noninterest expense to average assets2.5994%5,183
Loan and lease loss provision to assets0.4464%2,195
Net operating income to assets0.6467%3,813
Return on assets (ROA)0.6467%3,941
Pretax return on assets0.9168%3,555
Return on Equity (ROE)5.6899%4,121
Retained earnings to average equity (ytd only)5.6899%2,597
Net charge-offs to loans0.4744%2,674
Credit loss provision to net charge-offs131.3131%2,327
Earnings coverage of net charge-offs (x)4.0101%2,994
Efficiency ratio65.5979%4,953
Assets per employee ($millions)3.0905%5,900
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.8100%2,956
Loan loss allowance to noncurrent loans28.4284%6,357
Noncurrent assets plus other real estate owned to assets6.8245%766
Noncurrent loans to loans6.3667%893
Net loans and leases to total assets69.9686%2,226
Net loans and leases to deposits79.4933%2,887
Net loans and leases to core deposits86.4900%2,829
Total domestic deposits to total assets88.0182%2,122
Equity capital to assets11.4567%2,543
Core capital (leverage) ratio11.8215%1,707
Tier 1 risk-based capital ratio16.3127%2,826
Total risk-based capital ratio17.5699%2,793
Memoranda:
Average total assets$174,729,6703,451
Average earning assets$156,700,0003,514
Average equity$19,859,6703,152
Average total loans$125,211,6703,119
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4594%1,403
Cost of funding earning assets1.5268%1,062
Net interest margin3.9326%2,988
Noninterest income to average assets0.3908%4,779
Noninterest expense to average assets2.6297%5,116
Loan and lease loss provision to assets0.4482%1,967
Net operating income to assets0.5885%4,095
Return on assets (ROA)0.5885%4,163
Pretax return on assets0.8298%3,790
Return on Equity (ROE)5.1984%4,296
Retained earnings to average equity (ytd only)5.1984%3,061
Net charge-offs to loans0.6205%1,959
Credit loss provision to net charge-offs100.5155%2,629
Earnings coverage of net charge-offs (x)2.8660%2,936
Efficiency ratio67.2941%4,788
Assets per employee ($millions)3.0620%6,025
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.7565%3,148
Loan loss allowance to noncurrent loans27.5518%6,437
Noncurrent assets plus other real estate owned to assets7.0227%758
Noncurrent loans to loans6.3752%958
Net loans and leases to total assets71.1406%1,894
Net loans and leases to deposits80.9770%2,532
Net loans and leases to core deposits87.6129%2,653
Total domestic deposits to total assets87.8529%2,458
Equity capital to assets11.5645%2,214
Core capital (leverage) ratio11.7181%1,726
Tier 1 risk-based capital ratio16.6871%2,593
Total risk-based capital ratio17.9440%2,563
Memoranda:
Average total assets$174,015,0003,486
Average earning assets$155,620,5003,550
Average equity$19,698,5003,160
Average total loans$125,053,5003,153
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6724%1,674
Cost of funding earning assets1.8676%951
Net interest margin3.8048%3,918
Noninterest income to average assets-0.0552%7,358
Noninterest expense to average assets2.7413%4,811
Loan and lease loss provision to assets1.3672%1,105
Net operating income to assets-0.4476%6,351
Return on assets (ROA)-0.4476%6,379
Pretax return on assets-0.7350%6,479
Return on Equity (ROE)-3.8375%6,348
Retained earnings to average equity (ytd only)-3.9370%6,196
Net charge-offs to loans1.7497%1,225
Credit loss provision to net charge-offs101.8599%4,449
Earnings coverage of net charge-offs (x)0.4710%5,641
Efficiency ratio81.2597%2,250
Assets per employee ($millions)3.2696%5,493
Cash dividends to net income (ytd only)*-2.5940%7,437
Condition Ratios (%)
Loss allowance to loans1.7310%3,096
Loan loss allowance to noncurrent loans27.1888%6,469
Noncurrent assets plus other real estate owned to assets6.8159%818
Noncurrent loans to loans6.3666%954
Net loans and leases to total assets70.0958%2,516
Net loans and leases to deposits79.3342%3,287
Net loans and leases to core deposits86.3106%3,281
Total domestic deposits to total assets88.3550%2,036
Equity capital to assets11.0825%2,617
Core capital (leverage) ratio11.5953%1,787
Tier 1 risk-based capital ratio16.0125%2,744
Total risk-based capital ratio17.2689%2,697
Memoranda:
Average total assets$172,251,4003,493
Average earning assets$155,224,6003,541
Average equity$20,091,4003,136
Average total loans$132,139,2003,083
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7132%1,676
Cost of funding earning assets1.9153%980
Net interest margin3.7979%3,981
Noninterest income to average assets0.1519%6,772
Noninterest expense to average assets2.7293%4,758
Loan and lease loss provision to assets1.5033%884
Net operating income to assets-0.3988%6,518
Return on assets (ROA)-0.3988%6,559
Pretax return on assets-0.6551%6,649
Return on Equity (ROE)-3.3757%6,523
Retained earnings to average equity (ytd only)-3.5076%6,410
Net charge-offs to loans1.7363%1,119
Credit loss provision to net charge-offs110.8558%3,818
Earnings coverage of net charge-offs (x)0.6255%5,412
Efficiency ratio76.2900%2,893
Assets per employee ($millions)3.0382%6,063
Cash dividends to net income (ytd only)*-3.9068%7,600
Condition Ratios (%)
Loss allowance to loans1.7688%2,902
Loan loss allowance to noncurrent loans23.8854%6,713
Noncurrent assets plus other real estate owned to assets7.8772%643
Noncurrent loans to loans7.4055%731
Net loans and leases to total assets75.8900%1,425
Net loans and leases to deposits86.5610%2,229
Net loans and leases to core deposits92.2587%2,756
Total domestic deposits to total assets87.6723%2,174
Equity capital to assets11.6847%2,368
Core capital (leverage) ratio11.6381%1,852
Tier 1 risk-based capital ratio15.7401%2,886
Total risk-based capital ratio16.9971%2,843
Memoranda:
Average total assets$171,175,0003,553
Average earning assets$154,398,5003,615
Average equity$20,222,5003,161
Average total loans$133,689,2503,104
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6634%1,897
Cost of funding earning assets1.9110%1,199
Net interest margin3.7524%4,119
Noninterest income to average assets0.0058%7,508
Noninterest expense to average assets2.7052%4,882
Loan and lease loss provision to assets0.4548%3,049
Net operating income to assets0.2111%5,522
Return on assets (ROA)0.2111%5,656
Pretax return on assets0.2437%5,675
Return on Equity (ROE)1.7800%5,698
Retained earnings to average equity (ytd only)1.5833%5,070
Net charge-offs to loans1.4192%1,345
Credit loss provision to net charge-offs40.8805%5,596
Earnings coverage of net charge-offs (x)0.6279%5,110
Efficiency ratio79.4793%2,507
Assets per employee ($millions)3.1444%5,802
Cash dividends to net income (ytd only)*11.0497%3,139
Condition Ratios (%)
Loss allowance to loans1.1726%5,588
Loan loss allowance to noncurrent loans11.5466%7,228
Noncurrent assets plus other real estate owned to assets8.7525%516
Noncurrent loans to loans10.1551%438
Net loans and leases to total assets75.2905%1,630
Net loans and leases to deposits85.7797%2,543
Net loans and leases to core deposits91.5479%3,050
Total domestic deposits to total assets87.7719%2,126
Equity capital to assets11.6301%2,334
Core capital (leverage) ratio12.1181%1,583
Tier 1 risk-based capital ratio16.0467%2,652
Total risk-based capital ratio17.2564%2,631
Memoranda:
Average total assets$171,521,0003,578
Average earning assets$155,313,3303,611
Average equity$20,336,6703,135
Average total loans$134,438,3303,112
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7110%1,734
Cost of funding earning assets1.9271%1,336
Net interest margin3.7839%3,860
Noninterest income to average assets-0.4514%7,851
Noninterest expense to average assets2.7748%4,584
Loan and lease loss provision to assets0.3545%3,249
Net operating income to assets-0.0544%6,375
Return on assets (ROA)-0.0544%6,460
Pretax return on assets-0.1418%6,497
Return on Equity (ROE)-0.4540%6,460
Retained earnings to average equity (ytd only)-0.4540%5,934
Net charge-offs to loans0.9808%1,669
Credit loss provision to net charge-offs45.4545%4,546
Earnings coverage of net charge-offs (x)0.2727%4,799
Efficiency ratio92.8797%1,212
Assets per employee ($millions)3.1758%5,820
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4589%4,135
Loan loss allowance to noncurrent loans17.7088%7,119
Noncurrent assets plus other real estate owned to assets7.6558%653
Noncurrent loans to loans8.2384%642
Net loans and leases to total assets77.0782%1,315
Net loans and leases to deposits88.1249%2,203
Net loans and leases to core deposits94.3719%2,789
Total domestic deposits to total assets87.4647%2,378
Equity capital to assets11.8256%2,148
Core capital (leverage) ratio12.3365%1,477
Tier 1 risk-based capital ratio16.0282%2,647
Total risk-based capital ratio17.2814%2,600
Memoranda:
Average total assets$169,238,5003,673
Average earning assets$153,809,0003,696
Average equity$20,265,5003,172
Average total loans$134,583,0003,172
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9574%2,026
Cost of funding earning assets2.2454%1,852
Net interest margin3.7120%4,084
Noninterest income to average assets0.2594%6,258
Noninterest expense to average assets2.7813%5,045
Loan and lease loss provision to assets0.6288%3,289
Net operating income to assets0.2231%4,825
Return on assets (ROA)0.2231%4,891
Pretax return on assets0.2727%4,838
Return on Equity (ROE)1.8483%4,963
Retained earnings to average equity (ytd only)0.6461%4,541
Net charge-offs to loans0.7059%3,071
Credit loss provision to net charge-offs108.9005%5,077
Earnings coverage of net charge-offs (x)1.5613%4,572
Efficiency ratio75.5213%3,612
Assets per employee ($millions)3.0361%6,132
Cash dividends to net income (ytd only)*65.0407%1,774
Condition Ratios (%)
Loss allowance to loans1.5827%3,351
Loan loss allowance to noncurrent loans21.2004%7,005
Noncurrent assets plus other real estate owned to assets7.4588%649
Noncurrent loans to loans7.4652%713
Net loans and leases to total assets79.5814%1,071
Net loans and leases to deposits91.3703%1,990
Net loans and leases to core deposits131.2627%1,212
Total domestic deposits to total assets87.0976%2,442
Equity capital to assets12.1274%1,954
Core capital (leverage) ratio12.6412%1,383
Tier 1 risk-based capital ratio16.2752%2,403
Total risk-based capital ratio17.5306%2,346
Memoranda:
Average total assets$165,390,6003,683
Average earning assets$152,532,8003,666
Average equity$19,964,8003,208
Average total loans$135,279,6003,169
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0382%1,886
Cost of funding earning assets2.3302%1,877
Net interest margin3.7080%4,031
Noninterest income to average assets0.4372%4,979
Noninterest expense to average assets2.8397%4,722
Loan and lease loss provision to assets0.7919%2,386
Net operating income to assets0.1939%5,182
Return on assets (ROA)0.1939%5,255
Pretax return on assets0.2287%5,233
Return on Equity (ROE)1.6085%5,298
Retained earnings to average equity (ytd only)1.3405%4,572
Net charge-offs to loans0.8117%2,336
Credit loss provision to net charge-offs118.9320%4,261
Earnings coverage of net charge-offs (x)1.5328%4,634
Efficiency ratio73.5608%3,945
Assets per employee ($millions)2.8910%6,432
Cash dividends to net income (ytd only)*16.6661%3,340
Condition Ratios (%)
Loss allowance to loans1.6503%2,808
Loan loss allowance to noncurrent loans22.3844%6,948
Noncurrent assets plus other real estate owned to assets7.8550%557
Noncurrent loans to loans7.3725%707
Net loans and leases to total assets81.2787%932
Net loans and leases to deposits93.7416%1,925
Net loans and leases to core deposits135.2357%1,140
Total domestic deposits to total assets86.7050%2,327
Equity capital to assets12.3301%2,051
Core capital (leverage) ratio12.6250%1,529
Tier 1 risk-based capital ratio16.5432%2,409
Total risk-based capital ratio17.7998%2,363
Memoranda:
Average total assets$164,992,0003,706
Average earning assets$152,316,2503,684
Average equity$19,893,2503,255
Average total loans$135,343,0003,204
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0245%2,077
Cost of funding earning assets2.3929%1,991
Net interest margin3.6316%4,241
Noninterest income to average assets0.4264%5,070
Noninterest expense to average assets2.7647%5,116
Loan and lease loss provision to assets0.3614%3,760
Net operating income to assets0.4770%4,187
Return on assets (ROA)0.4770%4,297
Pretax return on assets0.6626%4,125
Return on Equity (ROE)3.9858%4,497
Retained earnings to average equity (ytd only)3.5832%3,307
Net charge-offs to loans1.1571%1,573
Credit loss provision to net charge-offs38.1679%5,928
Earnings coverage of net charge-offs (x)1.0814%4,706
Efficiency ratio72.9730%4,204
Assets per employee ($millions)2.9950%6,146
Cash dividends to net income (ytd only)*10.1010%3,393
Condition Ratios (%)
Loss allowance to loans1.1707%5,142
Loan loss allowance to noncurrent loans20.9135%7,079
Noncurrent assets plus other real estate owned to assets6.1937%769
Noncurrent loans to loans5.5978%1,027
Net loans and leases to total assets78.8218%1,569
Net loans and leases to deposits90.4142%2,763
Net loans and leases to core deposits131.2602%1,468
Total domestic deposits to total assets87.1786%2,159
Equity capital to assets11.9586%2,230
Core capital (leverage) ratio12.7382%1,525
Tier 1 risk-based capital ratio16.3696%2,492
Total risk-based capital ratio17.5943%2,454
Memoranda:
Average total assets$166,024,0003,705
Average earning assets$153,706,0003,669
Average equity$19,870,3303,260
Average total loans$135,859,0003,232
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1351%1,811
Cost of funding earning assets2.5056%1,899
Net interest margin3.6296%4,189
Noninterest income to average assets0.4044%5,181
Noninterest expense to average assets2.7510%4,774
Loan and lease loss provision to assets0.2906%3,630
Net operating income to assets0.5328%4,284
Return on assets (ROA)0.5328%4,474
Pretax return on assets0.7410%4,282
Return on Equity (ROE)4.4496%4,726
Retained earnings to average equity (ytd only)4.4496%3,446
Net charge-offs to loans1.2359%1,135
Credit loss provision to net charge-offs28.3688%4,972
Earnings coverage of net charge-offs (x)1.0071%4,266
Efficiency ratio72.7273%4,055
Assets per employee ($millions)2.9315%6,337
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2877%4,145
Loan loss allowance to noncurrent loans31.1543%6,470
Noncurrent assets plus other real estate owned to assets4.0691%1,258
Noncurrent loans to loans4.1334%1,442
Net loans and leases to total assets81.6679%1,070
Net loans and leases to deposits93.9669%2,268
Net loans and leases to core deposits138.3787%1,184
Total domestic deposits to total assets86.9114%2,262
Equity capital to assets12.1188%2,190
Core capital (leverage) ratio12.6602%1,623
Tier 1 risk-based capital ratio16.4731%2,521
Total risk-based capital ratio17.7247%2,462
Memoranda:
Average total assets$165,176,0003,739
Average earning assets$153,737,5003,683
Average equity$19,777,0003,292
Average total loans$136,905,5003,231
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7068%2,004
Cost of funding earning assets2.9776%1,953
Net interest margin3.7292%4,330
Noninterest income to average assets0.5332%4,374
Noninterest expense to average assets2.7473%5,060
Loan and lease loss provision to assets0.6003%2,424
Net operating income to assets0.5153%4,665
Return on assets (ROA)0.5153%4,516
Pretax return on assets0.6927%4,424
Return on Equity (ROE)4.1923%4,743
Retained earnings to average equity (ytd only)1.7380%4,171
Net charge-offs to loans0.3332%3,169
Credit loss provision to net charge-offs215.7080%2,237
Earnings coverage of net charge-offs (x)4.6460%3,911
Efficiency ratio67.9976%4,723
Assets per employee ($millions)2.9676%6,127
Cash dividends to net income (ytd only)*58.5424%2,734
Condition Ratios (%)
Loss allowance to loans1.4871%2,760
Loan loss allowance to noncurrent loans39.7213%6,075
Noncurrent assets plus other real estate owned to assets3.4437%1,293
Noncurrent loans to loans3.7437%1,338
Net loans and leases to total assets81.7993%1,265
Net loans and leases to deposits94.0409%2,751
Net loans and leases to core deposits139.0353%1,316
Total domestic deposits to total assets86.9827%1,943
Equity capital to assets11.8295%2,401
Core capital (leverage) ratio12.5005%1,751
Tier 1 risk-based capital ratio15.9685%2,674
Total risk-based capital ratio17.2226%2,619
Memoranda:
Average total assets$162,416,8003,678
Average earning assets$152,739,4003,602
Average equity$19,965,0003,236
Average total loans$135,672,4003,166