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Liberty Capital Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1298%3,625
Cost of funding earning assets0.1052%4,348
Net interest margin3.0246%3,134
Noninterest income to average assets0.0363%4,745
Noninterest expense to average assets1.5380%4,497
Loan and lease loss provision to assets0.1051%1,201
Net operating income to assets1.3692%1,379
Return on assets (ROA)1.3692%1,430
Pretax return on assets1.3692%2,144
Return on Equity (ROE)15.2912%885
Retained earnings to average equity (ytd only)8.2432%1,445
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0578%4,200
Assets per employee ($millions)17.0336%150
Cash dividends to net income (ytd only)*46.0919%1,720
Condition Ratios (%)
Loss allowance to loans0.9960%3,773
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets56.5368%2,532
Net loans and leases to deposits62.5678%2,828
Net loans and leases to core deposits63.6919%3,009
Total domestic deposits to total assets90.3609%780
Equity capital to assets9.4706%3,171
Core capital (leverage) ratio10.3357%2,045
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5916%1,144
Memoranda:
Average total assets$371,907,4002,103
Average earning assets$365,931,0002,018
Average equity$33,300,2002,370
Average total loans$244,683,8001,963
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2583%3,491
Cost of funding earning assets0.1101%4,421
Net interest margin3.1483%2,906
Noninterest income to average assets0.0369%4,821
Noninterest expense to average assets1.6436%4,409
Loan and lease loss provision to assets0.0658%1,677
Net operating income to assets1.4178%1,484
Return on assets (ROA)1.4178%1,547
Pretax return on assets1.4178%2,260
Return on Equity (ROE)16.1249%925
Retained earnings to average equity (ytd only)8.8160%1,762
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.5581%3,976
Assets per employee ($millions)15.7903%179
Cash dividends to net income (ytd only)*45.3266%1,389
Condition Ratios (%)
Loss allowance to loans0.9993%3,850
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets57.7984%2,521
Net loans and leases to deposits63.0669%2,947
Net loans and leases to core deposits64.3682%3,098
Total domestic deposits to total assets91.6463%201
Equity capital to assets8.1843%4,418
Core capital (leverage) ratio8.9173%3,647
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9129%1,645
Memoranda:
Average total assets$354,165,7502,192
Average earning assets$347,654,7502,109
Average equity$31,139,5002,491
Average total loans$242,628,2502,004
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3198%3,376
Cost of funding earning assets0.1151%4,473
Net interest margin3.2048%2,739
Noninterest income to average assets0.0364%4,858
Noninterest expense to average assets1.7456%4,288
Loan and lease loss provision to assets0.1027%1,230
Net operating income to assets1.3275%1,783
Return on assets (ROA)1.3275%1,848
Pretax return on assets1.3275%2,559
Return on Equity (ROE)14.7057%1,232
Retained earnings to average equity (ytd only)6.2049%2,729
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9639%3,682
Assets per employee ($millions)11.7959%376
Cash dividends to net income (ytd only)*57.8063%993
Condition Ratios (%)
Loss allowance to loans0.9275%4,071
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets74.4818%713
Net loans and leases to deposits84.1096%1,060
Net loans and leases to core deposits87.5110%1,309
Total domestic deposits to total assets88.5533%1,539
Equity capital to assets9.4397%3,392
Core capital (leverage) ratio8.9598%3,508
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6272%1,747
Memoranda:
Average total assets$340,635,0002,252
Average earning assets$333,690,0002,176
Average equity$30,750,0002,497
Average total loans$246,682,0001,988
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2706%3,523
Cost of funding earning assets0.1110%4,581
Net interest margin3.1596%2,808
Noninterest income to average assets0.0335%4,882
Noninterest expense to average assets1.7628%4,271
Loan and lease loss provision to assets0.0856%1,531
Net operating income to assets1.2805%1,889
Return on assets (ROA)1.2805%1,961
Pretax return on assets1.2805%2,622
Return on Equity (ROE)14.5009%1,328
Retained earnings to average equity (ytd only)8.5407%2,080
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3401%3,506
Assets per employee ($millions)11.1933%425
Cash dividends to net income (ytd only)*41.1021%1,358
Condition Ratios (%)
Loss allowance to loans0.8756%4,226
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets74.2340%792
Net loans and leases to deposits83.0588%1,241
Net loans and leases to core deposits86.0252%1,521
Total domestic deposits to total assets89.3752%1,139
Equity capital to assets9.1912%3,498
Core capital (leverage) ratio9.2441%3,328
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2618%1,487
Memoranda:
Average total assets$345,809,5002,208
Average earning assets$338,772,5002,128
Average equity$30,536,0002,504
Average total loans$245,870,0001,988
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7685%3,396
Cost of funding earning assets0.2312%4,458
Net interest margin3.5373%2,344
Noninterest income to average assets0.0280%4,905
Noninterest expense to average assets1.9156%4,297
Loan and lease loss provision to assets0.0325%3,989
Net operating income to assets1.5559%702
Return on assets (ROA)1.5559%767
Pretax return on assets1.5559%1,177
Return on Equity (ROE)17.1318%396
Retained earnings to average equity (ytd only)10.2952%536
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.6685%4,138
Assets per employee ($millions)11.4781%363
Cash dividends to net income (ytd only)*39.9059%2,368
Condition Ratios (%)
Loss allowance to loans0.8857%4,228
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets66.9251%1,962
Net loans and leases to deposits73.3943%2,548
Net loans and leases to core deposits75.8115%2,745
Total domestic deposits to total assets91.1857%182
Equity capital to assets8.4897%4,447
Core capital (leverage) ratio9.1234%3,516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5850%1,661
Memoranda:
Average total assets$314,213,6002,218
Average earning assets$308,769,0002,127
Average equity$28,537,6002,566
Average total loans$234,349,0002,003
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7947%3,580
Cost of funding earning assets0.2701%4,431
Net interest margin3.5246%2,507
Noninterest income to average assets0.0246%4,943
Noninterest expense to average assets1.8634%4,392
Loan and lease loss provision to assets0.1754%2,227
Net operating income to assets1.4443%1,007
Return on assets (ROA)1.4443%1,096
Pretax return on assets1.4443%1,592
Return on Equity (ROE)15.6042%595
Retained earnings to average equity (ytd only)8.8902%1,012
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4963%4,204
Assets per employee ($millions)10.5333%429
Cash dividends to net income (ytd only)*43.0264%1,804
Condition Ratios (%)
Loss allowance to loans0.9920%3,737
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets74.1528%1,353
Net loans and leases to deposits87.7630%1,513
Net loans and leases to core deposits90.9218%1,893
Total domestic deposits to total assets84.4921%2,635
Equity capital to assets8.9211%4,168
Core capital (leverage) ratio9.3395%3,409
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9613%1,510
Memoranda:
Average total assets$303,812,0002,258
Average earning assets$298,124,7502,165
Average equity$28,120,0002,590
Average total loans$232,871,0002,018
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9136%3,579
Cost of funding earning assets0.3354%4,333
Net interest margin3.5782%2,553
Noninterest income to average assets0.0216%4,972
Noninterest expense to average assets1.8404%4,500
Loan and lease loss provision to assets0.2701%1,585
Net operating income to assets1.4184%1,074
Return on assets (ROA)1.4184%1,162
Pretax return on assets1.4184%1,684
Return on Equity (ROE)15.1242%691
Retained earnings to average equity (ytd only)8.3503%1,205
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.1523%4,347
Assets per employee ($millions)11.8413%327
Cash dividends to net income (ytd only)*44.7882%1,740
Condition Ratios (%)
Loss allowance to loans0.9361%3,856
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets77.4304%931
Net loans and leases to deposits91.8423%1,177
Net loans and leases to core deposits95.0791%1,654
Total domestic deposits to total assets84.3079%2,635
Equity capital to assets8.5690%4,436
Core capital (leverage) ratio8.7820%4,129
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2810%2,074
Memoranda:
Average total assets$296,239,0002,277
Average earning assets$290,372,3332,184
Average equity$27,783,3332,596
Average total loans$228,975,3332,020
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1368%3,413
Cost of funding earning assets0.4876%4,001
Net interest margin3.6493%2,513
Noninterest income to average assets0.0215%5,017
Noninterest expense to average assets1.9944%4,403
Loan and lease loss provision to assets0.2872%1,080
Net operating income to assets1.3081%1,224
Return on assets (ROA)1.3081%1,321
Pretax return on assets1.3081%1,852
Return on Equity (ROE)13.2656%835
Retained earnings to average equity (ytd only)6.5527%1,695
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5600%4,251
Assets per employee ($millions)10.0990%369
Cash dividends to net income (ytd only)*50.6037%1,608
Condition Ratios (%)
Loss allowance to loans1.0452%3,468
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets77.2861%1,087
Net loans and leases to deposits92.9963%1,183
Net loans and leases to core deposits97.0566%1,715
Total domestic deposits to total assets83.1066%3,077
Equity capital to assets10.1576%3,642
Core capital (leverage) ratio10.0810%3,366
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8609%2,344
Memoranda:
Average total assets$278,580,5002,330
Average earning assets$272,382,0002,246
Average equity$27,469,5002,606
Average total loans$213,887,5002,092
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4519%3,113
Cost of funding earning assets0.5355%3,944
Net interest margin3.9163%2,115
Noninterest income to average assets0.0310%5,077
Noninterest expense to average assets2.0001%4,531
Loan and lease loss provision to assets0.1099%1,898
Net operating income to assets1.7514%591
Return on assets (ROA)1.7514%626
Pretax return on assets1.7514%1,067
Return on Equity (ROE)18.4119%310
Retained earnings to average equity (ytd only)7.2764%1,267
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.7972%4,619
Assets per employee ($millions)11.3795%267
Cash dividends to net income (ytd only)*60.4797%1,537
Condition Ratios (%)
Loss allowance to loans0.9432%3,768
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets74.7957%1,615
Net loans and leases to deposits94.5572%1,100
Net loans and leases to core deposits98.7145%1,674
Total domestic deposits to total assets79.1010%4,174
Equity capital to assets9.5758%4,290
Core capital (leverage) ratio9.9420%3,580
Tier 1 risk-based capital ratio12.1676%4,262
Total risk-based capital ratio13.0725%4,335
Memoranda:
Average total assets$273,788,6002,309
Average earning assets$267,775,8002,226
Average equity$26,043,0002,629
Average total loans$196,222,4002,193
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5299%2,963
Cost of funding earning assets0.5514%3,919
Net interest margin3.9785%2,025
Noninterest income to average assets0.0329%5,145
Noninterest expense to average assets1.9337%4,664
Loan and lease loss provision to assets0.1480%1,286
Net operating income to assets1.8403%569
Return on assets (ROA)1.8403%594
Pretax return on assets1.8403%998
Return on Equity (ROE)19.3807%289
Retained earnings to average equity (ytd only)6.9091%1,908
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3041%4,784
Assets per employee ($millions)10.2906%322
Cash dividends to net income (ytd only)*64.3507%1,134
Condition Ratios (%)
Loss allowance to loans1.0184%3,466
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets73.5942%1,901
Net loans and leases to deposits88.6708%1,844
Net loans and leases to core deposits92.6237%2,305
Total domestic deposits to total assets82.9971%3,172
Equity capital to assets9.9665%4,053
Core capital (leverage) ratio10.0022%3,643
Tier 1 risk-based capital ratio12.9275%3,891
Total risk-based capital ratio13.9097%3,924
Memoranda:
Average total assets$271,114,0002,341
Average earning assets$265,017,5002,257
Average equity$25,743,2502,662
Average total loans$191,575,5002,244
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4722%3,096
Cost of funding earning assets0.4898%4,161
Net interest margin3.9824%1,974
Noninterest income to average assets0.0242%5,208
Noninterest expense to average assets1.9148%4,730
Loan and lease loss provision to assets0.2086%811
Net operating income to assets1.8002%594
Return on assets (ROA)1.8002%618
Pretax return on assets1.8002%1,028
Return on Equity (ROE)19.2721%299
Retained earnings to average equity (ytd only)4.0966%3,198
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.8019%4,853
Assets per employee ($millions)10.1771%319
Cash dividends to net income (ytd only)*78.7434%856
Condition Ratios (%)
Loss allowance to loans0.9812%3,734
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets76.6236%1,448
Net loans and leases to deposits93.9253%1,272
Net loans and leases to core deposits97.1923%1,957
Total domestic deposits to total assets81.5793%3,643
Equity capital to assets9.7697%4,168
Core capital (leverage) ratio9.7958%3,832
Tier 1 risk-based capital ratio12.5311%4,108
Total risk-based capital ratio13.5049%4,131
Memoranda:
Average total assets$272,300,3302,345
Average earning assets$266,623,3302,251
Average equity$25,435,6702,681
Average total loans$189,123,6702,267
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4179%3,163
Cost of funding earning assets0.3463%4,692
Net interest margin4.0715%1,634
Noninterest income to average assets0.0261%5,266
Noninterest expense to average assets1.8439%4,869
Loan and lease loss provision to assets0.2651%531
Net operating income to assets1.9019%460
Return on assets (ROA)1.9019%476
Pretax return on assets1.9019%796
Return on Equity (ROE)20.8181%223
Retained earnings to average equity (ytd only)-3.1869%4,823
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.9733%5,031
Assets per employee ($millions)10.4237%305
Cash dividends to net income (ytd only)*115.3085%498
Condition Ratios (%)
Loss allowance to loans1.0062%3,656
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets69.2671%2,583
Net loans and leases to deposits76.4346%3,220
Net loans and leases to core deposits78.9172%3,456
Total domestic deposits to total assets90.6227%247
Equity capital to assets9.2718%4,460
Core capital (leverage) ratio8.9146%4,710
Tier 1 risk-based capital ratio12.9096%3,922
Total risk-based capital ratio13.8898%3,957
Memoranda:
Average total assets$276,148,5002,332
Average earning assets$270,266,0002,242
Average equity$25,228,0002,692
Average total loans$181,306,5002,357
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9900%4,059
Cost of funding earning assets0.2065%4,976
Net interest margin3.7835%2,733
Noninterest income to average assets0.1080%5,128
Noninterest expense to average assets1.8933%4,904
Loan and lease loss provision to assets0.0278%3,618
Net operating income to assets1.8696%479
Return on assets (ROA)1.8696%475
Pretax return on assets1.8696%769
Return on Equity (ROE)19.1561%303
Retained earnings to average equity (ytd only)9.8003%655
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.9460%4,945
Assets per employee ($millions)12.2296%187
Cash dividends to net income (ytd only)*48.8398%2,032
Condition Ratios (%)
Loss allowance to loans0.9972%3,719
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets60.8840%3,680
Net loans and leases to deposits67.0578%4,046
Net loans and leases to core deposits69.2183%4,156
Total domestic deposits to total assets90.7932%251
Equity capital to assets9.0045%4,571
Core capital (leverage) ratio10.1299%3,420
Tier 1 risk-based capital ratio14.0006%3,288
Total risk-based capital ratio14.9542%3,361
Memoranda:
Average total assets$244,331,4002,513
Average earning assets$237,819,0002,428
Average equity$23,846,2002,740
Average total loans$161,265,2002,510
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0157%3,878
Cost of funding earning assets0.1971%5,027
Net interest margin3.8187%2,577
Noninterest income to average assets0.1407%5,069
Noninterest expense to average assets1.9612%4,810
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.8942%493
Return on assets (ROA)1.8942%491
Pretax return on assets1.8942%827
Return on Equity (ROE)18.9694%341
Retained earnings to average equity (ytd only)6.2985%2,491
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8679%4,891
Assets per employee ($millions)10.5193%285
Cash dividends to net income (ytd only)*66.7964%951
Condition Ratios (%)
Loss allowance to loans1.0887%3,256
Loan loss allowance to noncurrent loans240.1449%1,945
Noncurrent assets plus other real estate owned to assets0.2852%3,545
Noncurrent loans to loans0.4534%3,026
Net loans and leases to total assets62.2210%3,634
Net loans and leases to deposits69.2673%3,973
Net loans and leases to core deposits72.2344%4,066
Total domestic deposits to total assets89.8274%565
Equity capital to assets9.9568%3,691
Core capital (leverage) ratio10.1914%3,420
Tier 1 risk-based capital ratio14.9380%2,910
Total risk-based capital ratio15.9654%2,937
Memoranda:
Average total assets$235,094,0002,586
Average earning assets$228,695,2502,507
Average equity$23,475,7502,791
Average total loans$158,336,5002,557
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9570%3,910
Cost of funding earning assets0.1768%5,120
Net interest margin3.7802%2,635
Noninterest income to average assets0.0301%5,442
Noninterest expense to average assets1.9406%4,902
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.7628%632
Return on assets (ROA)1.7628%638
Pretax return on assets1.7628%1,063
Return on Equity (ROE)17.6357%460
Retained earnings to average equity (ytd only)8.2592%1,515
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.4008%4,845
Assets per employee ($millions)10.1530%302
Cash dividends to net income (ytd only)*53.1676%1,553
Condition Ratios (%)
Loss allowance to loans1.0025%3,826
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6822%2,199
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets70.0689%2,569
Net loans and leases to deposits78.5929%3,098
Net loans and leases to core deposits81.9075%3,250
Total domestic deposits to total assets89.1542%867
Equity capital to assets10.2522%3,386
Core capital (leverage) ratio10.4962%3,036
Tier 1 risk-based capital ratio13.8613%3,432
Total risk-based capital ratio14.8207%3,491
Memoranda:
Average total assets$232,810,6702,612
Average earning assets$226,230,3302,540
Average equity$23,271,0002,816
Average total loans$160,383,0002,546
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8766%3,996
Cost of funding earning assets0.1772%5,128
Net interest margin3.6995%2,800
Noninterest income to average assets0.0241%5,523
Noninterest expense to average assets1.8825%5,046
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.7345%636
Return on assets (ROA)1.7345%646
Pretax return on assets1.7345%1,033
Return on Equity (ROE)17.5794%452
Retained earnings to average equity (ytd only)-1.4475%4,958
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0457%4,961
Assets per employee ($millions)10.5167%269
Cash dividends to net income (ytd only)*108.2341%521
Condition Ratios (%)
Loss allowance to loans1.0512%3,653
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6885%2,265
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets67.4137%2,835
Net loans and leases to deposits74.9128%3,325
Net loans and leases to core deposits77.6731%3,524
Total domestic deposits to total assets89.9895%658
Equity capital to assets9.8955%3,705
Core capital (leverage) ratio9.8776%3,679
Tier 1 risk-based capital ratio13.8729%3,450
Total risk-based capital ratio14.8769%3,502
Memoranda:
Average total assets$232,456,0002,639
Average earning assets$225,762,0002,563
Average equity$22,936,0002,873
Average total loans$157,933,5002,592
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0404%3,273
Cost of funding earning assets0.1801%5,092
Net interest margin3.8602%2,227
Noninterest income to average assets-0.2661%5,654
Noninterest expense to average assets1.8926%5,123
Loan and lease loss provision to assets0.0671%2,862
Net operating income to assets1.4872%829
Return on assets (ROA)1.4872%850
Pretax return on assets1.4872%1,694
Return on Equity (ROE)14.9586%613
Retained earnings to average equity (ytd only)9.8461%375
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9067%4,866
Assets per employee ($millions)11.1212%234
Cash dividends to net income (ytd only)*34.1780%3,120
Condition Ratios (%)
Loss allowance to loans1.0472%3,647
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6821%2,271
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets67.0449%2,960
Net loans and leases to deposits74.4984%3,474
Net loans and leases to core deposits76.9318%3,671
Total domestic deposits to total assets89.9951%571
Equity capital to assets9.8384%3,881
Core capital (leverage) ratio10.3586%3,005
Tier 1 risk-based capital ratio13.8773%3,432
Total risk-based capital ratio14.8780%3,477
Memoranda:
Average total assets$217,583,2002,747
Average earning assets$209,288,4002,675
Average equity$21,633,0002,984
Average total loans$158,680,4002,562
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0716%3,084
Cost of funding earning assets0.1854%5,091
Net interest margin3.8862%2,083
Noninterest income to average assets-0.1804%5,719
Noninterest expense to average assets1.9925%4,969
Loan and lease loss provision to assets0.0911%2,252
Net operating income to assets1.4651%966
Return on assets (ROA)1.4651%980
Pretax return on assets1.4651%1,898
Return on Equity (ROE)14.6934%704
Retained earnings to average equity (ytd only)7.7693%1,313
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1478%4,721
Assets per employee ($millions)10.0982%307
Cash dividends to net income (ytd only)*47.1239%1,911
Condition Ratios (%)
Loss allowance to loans0.9944%4,097
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.8548%2,016
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets74.2597%1,875
Net loans and leases to deposits87.0315%2,182
Net loans and leases to core deposits90.2045%2,593
Total domestic deposits to total assets85.3251%2,586
Equity capital to assets9.9378%3,981
Core capital (leverage) ratio9.8204%3,797
Tier 1 risk-based capital ratio12.9322%4,059
Total risk-based capital ratio13.9028%4,125
Memoranda:
Average total assets$213,592,7502,804
Average earning assets$204,957,2502,742
Average equity$21,297,0003,038
Average total loans$158,791,2502,579
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9818%3,272
Cost of funding earning assets0.1771%5,162
Net interest margin3.8047%2,272
Noninterest income to average assets0.0399%5,670
Noninterest expense to average assets1.9997%4,979
Loan and lease loss provision to assets0.0987%2,044
Net operating income to assets1.5916%723
Return on assets (ROA)1.5916%741
Pretax return on assets1.5916%1,373
Return on Equity (ROE)15.9436%540
Retained earnings to average equity (ytd only)6.8547%1,663
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1924%5,001
Assets per employee ($millions)9.4493%353
Cash dividends to net income (ytd only)*57.0066%1,607
Condition Ratios (%)
Loss allowance to loans1.0000%4,148
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0809%1,617
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets76.9103%1,396
Net loans and leases to deposits85.9768%2,227
Net loans and leases to core deposits89.1728%2,601
Total domestic deposits to total assets89.4547%741
Equity capital to assets10.3702%3,492
Core capital (leverage) ratio9.8988%3,659
Tier 1 risk-based capital ratio13.1275%3,926
Total risk-based capital ratio14.1109%4,001
Memoranda:
Average total assets$210,736,6702,856
Average earning assets$202,172,0002,787
Average equity$21,036,6703,061
Average total loans$156,177,3302,615
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8103%3,735
Cost of funding earning assets0.1693%5,245
Net interest margin3.6411%2,734
Noninterest income to average assets0.0452%5,736
Noninterest expense to average assets1.9174%5,213
Loan and lease loss provision to assets0.0434%2,932
Net operating income to assets1.5724%715
Return on assets (ROA)1.5724%735
Pretax return on assets1.5724%1,305
Return on Equity (ROE)16.0570%523
Retained earnings to average equity (ytd only)-2.3489%5,202
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2689%5,099
Assets per employee ($millions)10.5660%256
Cash dividends to net income (ytd only)*114.6283%581
Condition Ratios (%)
Loss allowance to loans1.0025%4,262
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0633%1,692
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets71.6878%2,116
Net loans and leases to deposits79.5900%2,801
Net loans and leases to core deposits82.5797%3,032
Total domestic deposits to total assets90.0714%625
Equity capital to assets9.8027%3,974
Core capital (leverage) ratio9.7067%3,868
Tier 1 risk-based capital ratio13.2484%3,911
Total risk-based capital ratio14.2295%3,990
Memoranda:
Average total assets$212,162,5002,865
Average earning assets$203,236,0002,798
Average equity$20,776,0003,095
Average total loans$153,516,0002,656
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9736%3,296
Cost of funding earning assets0.2033%4,984
Net interest margin3.7702%2,431
Noninterest income to average assets-0.0216%5,876
Noninterest expense to average assets1.8451%5,431
Loan and lease loss provision to assets0.0613%3,146
Net operating income to assets1.7097%532
Return on assets (ROA)1.7097%560
Pretax return on assets1.7097%979
Return on Equity (ROE)17.1527%393
Retained earnings to average equity (ytd only)12.3323%199
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0253%5,433
Assets per employee ($millions)11.8337%177
Cash dividends to net income (ytd only)*28.1024%3,398
Condition Ratios (%)
Loss allowance to loans0.9811%4,430
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0549%1,788
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets71.5928%2,223
Net loans and leases to deposits79.5619%2,935
Net loans and leases to core deposits83.6595%3,058
Total domestic deposits to total assets89.9839%634
Equity capital to assets9.7824%3,967
Core capital (leverage) ratio9.7818%3,767
Tier 1 risk-based capital ratio13.0191%4,063
Total risk-based capital ratio13.9631%4,152
Memoranda:
Average total assets$194,189,6003,020
Average earning assets$187,362,4002,926
Average equity$19,355,6003,233
Average total loans$144,259,8002,724
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9718%3,318
Cost of funding earning assets0.2147%4,925
Net interest margin3.7571%2,497
Noninterest income to average assets0.0493%5,839
Noninterest expense to average assets1.8935%5,389
Loan and lease loss provision to assets0.0767%2,693
Net operating income to assets1.7113%578
Return on assets (ROA)1.7113%613
Pretax return on assets1.7113%1,085
Return on Equity (ROE)17.0795%439
Retained earnings to average equity (ytd only)10.5272%484
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.4335%5,416
Assets per employee ($millions)11.1790%207
Cash dividends to net income (ytd only)*38.3635%2,425
Condition Ratios (%)
Loss allowance to loans0.9593%4,622
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.1853%1,681
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets77.0164%1,357
Net loans and leases to deposits93.4378%1,328
Net loans and leases to core deposits98.8392%1,741
Total domestic deposits to total assets82.4254%3,802
Equity capital to assets9.9139%4,225
Core capital (leverage) ratio9.7646%3,853
Tier 1 risk-based capital ratio12.4937%4,485
Total risk-based capital ratio13.4337%4,581
Memoranda:
Average total assets$189,485,5003,076
Average earning assets$183,186,0002,992
Average equity$18,985,2503,297
Average total loans$141,822,7502,760
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9303%3,497
Cost of funding earning assets0.2180%4,961
Net interest margin3.7122%2,647
Noninterest income to average assets0.0507%5,913
Noninterest expense to average assets1.9529%5,366
Loan and lease loss provision to assets0.0269%3,589
Net operating income to assets1.6673%619
Return on assets (ROA)1.6673%658
Pretax return on assets1.6673%1,174
Return on Equity (ROE)16.5774%475
Retained earnings to average equity (ytd only)7.9190%1,197
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5461%5,345
Assets per employee ($millions)10.4812%241
Cash dividends to net income (ytd only)*52.2301%1,865
Condition Ratios (%)
Loss allowance to loans0.9299%4,848
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.2642%1,615
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets80.0151%896
Net loans and leases to deposits108.1779%298
Net loans and leases to core deposits115.6908%648
Total domestic deposits to total assets73.9661%5,524
Equity capital to assets10.1711%4,002
Core capital (leverage) ratio9.4184%4,313
Tier 1 risk-based capital ratio12.3321%4,627
Total risk-based capital ratio13.2428%4,745
Memoranda:
Average total assets$185,573,3303,127
Average earning assets$179,783,6703,048
Average equity$18,664,0003,345
Average total loans$136,938,6702,837
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7550%4,125
Cost of funding earning assets0.1908%5,276
Net interest margin3.5642%3,227
Noninterest income to average assets0.0522%5,961
Noninterest expense to average assets1.9584%5,417
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.5454%782
Return on assets (ROA)1.5454%824
Pretax return on assets1.5454%1,452
Return on Equity (ROE)15.4553%610
Retained earnings to average equity (ytd only)-2.1085%5,392
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8933%5,200
Assets per employee ($millions)11.0347%200
Cash dividends to net income (ytd only)*113.6428%577
Condition Ratios (%)
Loss allowance to loans0.9920%4,652
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.2003%1,818
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets69.9459%2,350
Net loans and leases to deposits79.9841%2,790
Net loans and leases to core deposits82.2621%3,111
Total domestic deposits to total assets87.4497%1,962
Equity capital to assets9.2400%4,949
Core capital (leverage) ratio9.5944%4,043
Tier 1 risk-based capital ratio12.3627%4,684
Total risk-based capital ratio13.3003%4,800
Memoranda:
Average total assets$184,029,0003,161
Average earning assets$178,216,0003,070
Average equity$18,401,5003,383
Average total loans$129,220,5002,945
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5516%4,804
Cost of funding earning assets0.1167%5,896
Net interest margin3.4349%3,780
Noninterest income to average assets0.0517%6,000
Noninterest expense to average assets1.8881%5,632
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.5201%830
Return on assets (ROA)1.5201%865
Pretax return on assets1.5201%1,494
Return on Equity (ROE)15.3266%640
Retained earnings to average equity (ytd only)11.1779%332
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.3984%5,404
Assets per employee ($millions)9.9666%280
Cash dividends to net income (ytd only)*27.0688%3,489
Condition Ratios (%)
Loss allowance to loans1.1785%3,596
Loan loss allowance to noncurrent loans60.6008%4,620
Noncurrent assets plus other real estate owned to assets1.3557%1,548
Noncurrent loans to loans1.9446%1,093
Net loans and leases to total assets68.8927%2,561
Net loans and leases to deposits77.4992%3,103
Net loans and leases to core deposits78.4667%3,494
Total domestic deposits to total assets88.8947%1,176
Equity capital to assets10.8893%2,947
Core capital (leverage) ratio9.7331%3,861
Tier 1 risk-based capital ratio14.6128%3,373
Total risk-based capital ratio15.7153%3,372
Memoranda:
Average total assets$170,119,6003,300
Average earning assets$166,235,0003,170
Average equity$16,872,6003,547
Average total loans$110,214,0003,194
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4508%5,096
Cost of funding earning assets0.1162%5,995
Net interest margin3.3346%4,202
Noninterest income to average assets0.0509%6,093
Noninterest expense to average assets1.8947%5,646
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.4148%1,075
Return on assets (ROA)1.4148%1,121
Pretax return on assets1.4148%1,954
Return on Equity (ROE)14.6209%789
Retained earnings to average equity (ytd only)9.5234%733
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.2510%5,201
Assets per employee ($millions)11.0079%194
Cash dividends to net income (ytd only)*34.8645%2,576
Condition Ratios (%)
Loss allowance to loans1.2642%3,284
Loan loss allowance to noncurrent loans60.6008%4,670
Noncurrent assets plus other real estate owned to assets1.2275%1,914
Noncurrent loans to loans2.0862%1,093
Net loans and leases to total assets58.0942%4,129
Net loans and leases to deposits64.2955%4,530
Net loans and leases to core deposits65.0091%4,759
Total domestic deposits to total assets90.3550%446
Equity capital to assets9.4804%4,777
Core capital (leverage) ratio10.1386%3,453
Tier 1 risk-based capital ratio14.5622%3,521
Total risk-based capital ratio15.7048%3,512
Memoranda:
Average total assets$170,291,2503,325
Average earning assets$166,410,5003,197
Average equity$16,478,2503,627
Average total loans$108,237,7503,259
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5930%4,732
Cost of funding earning assets0.1233%6,025
Net interest margin3.4697%3,620
Noninterest income to average assets0.0498%6,176
Noninterest expense to average assets1.9784%5,563
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.4550%975
Return on assets (ROA)1.4550%1,024
Pretax return on assets1.4550%1,784
Return on Equity (ROE)14.9215%747
Retained earnings to average equity (ytd only)7.0747%1,668
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6229%5,264
Assets per employee ($millions)9.8595%270
Cash dividends to net income (ytd only)*52.5876%1,832
Condition Ratios (%)
Loss allowance to loans1.2829%3,336
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets63.9075%3,276
Net loans and leases to deposits71.7056%3,744
Net loans and leases to core deposits72.6082%4,075
Total domestic deposits to total assets89.1248%1,080
Equity capital to assets10.2213%3,783
Core capital (leverage) ratio10.1156%3,442
Tier 1 risk-based capital ratio15.0262%3,344
Total risk-based capital ratio16.2471%3,293
Memoranda:
Average total assets$164,677,0003,424
Average earning assets$160,592,0003,295
Average equity$16,057,3303,713
Average total loans$107,615,0003,291
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5442%4,846
Cost of funding earning assets0.1057%6,185
Net interest margin3.4384%3,678
Noninterest income to average assets0.0466%6,240
Noninterest expense to average assets2.0660%5,460
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.3283%1,189
Return on assets (ROA)1.3283%1,268
Pretax return on assets1.3283%2,160
Return on Equity (ROE)13.9691%888
Retained earnings to average equity (ytd only)-2.2680%5,716
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8664%4,981
Assets per employee ($millions)9.7866%275
Cash dividends to net income (ytd only)*116.2362%549
Condition Ratios (%)
Loss allowance to loans1.3035%3,383
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets63.3520%3,184
Net loans and leases to deposits70.7525%3,667
Net loans and leases to core deposits72.0132%3,960
Total domestic deposits to total assets89.5403%972
Equity capital to assets9.9031%4,266
Core capital (leverage) ratio10.5004%2,959
Tier 1 risk-based capital ratio14.6365%3,633
Total risk-based capital ratio15.8731%3,572
Memoranda:
Average total assets$163,210,0003,466
Average earning assets$158,909,0003,339
Average equity$15,520,0003,826
Average total loans$107,168,5003,316
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8942%4,139
Cost of funding earning assets0.1042%6,312
Net interest margin3.7900%2,663
Noninterest income to average assets0.0585%6,271
Noninterest expense to average assets2.2502%5,239
Loan and lease loss provision to assets0.0778%2,922
Net operating income to assets1.4155%1,052
Return on assets (ROA)1.4155%1,077
Pretax return on assets1.4155%1,827
Return on Equity (ROE)14.6317%836
Retained earnings to average equity (ytd only)11.4458%340
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1105%5,210
Assets per employee ($millions)9.4146%297
Cash dividends to net income (ytd only)*21.7742%3,741
Condition Ratios (%)
Loss allowance to loans1.2943%3,454
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets66.3257%2,829
Net loans and leases to deposits73.1852%3,530
Net loans and leases to core deposits74.3910%3,887
Total domestic deposits to total assets90.6272%486
Equity capital to assets9.0998%5,178
Core capital (leverage) ratio10.1181%3,411
Tier 1 risk-based capital ratio13.5848%4,357
Total risk-based capital ratio14.8356%4,295
Memoranda:
Average total assets$140,167,4003,799
Average earning assets$136,278,0003,655
Average equity$13,559,6004,096
Average total loans$98,982,8003,448
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9685%3,886
Cost of funding earning assets0.1077%6,387
Net interest margin3.8608%2,387
Noninterest income to average assets0.0582%6,366
Noninterest expense to average assets2.3402%4,999
Loan and lease loss provision to assets0.1075%2,249
Net operating income to assets1.3590%1,227
Return on assets (ROA)1.3590%1,270
Pretax return on assets1.3590%2,159
Return on Equity (ROE)13.8054%1,026
Retained earnings to average equity (ytd only)9.5175%834
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4767%4,969
Assets per employee ($millions)7.5808%620
Cash dividends to net income (ytd only)*31.0593%2,757
Condition Ratios (%)
Loss allowance to loans1.3559%3,371
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets74.2164%1,492
Net loans and leases to deposits82.8821%2,309
Net loans and leases to core deposits84.5081%2,829
Total domestic deposits to total assets89.5445%963
Equity capital to assets10.2319%3,887
Core capital (leverage) ratio10.1607%3,459
Tier 1 risk-based capital ratio13.5799%4,484
Total risk-based capital ratio14.8307%4,432
Memoranda:
Average total assets$135,197,2503,914
Average earning assets$131,265,2503,760
Average equity$13,308,5004,162
Average total loans$96,842,2503,512
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8560%4,306
Cost of funding earning assets0.1102%6,444
Net interest margin3.7457%2,776
Noninterest income to average assets0.0564%6,429
Noninterest expense to average assets2.3669%4,978
Loan and lease loss provision to assets0.1617%1,532
Net operating income to assets1.1589%1,722
Return on assets (ROA)1.1589%1,797
Pretax return on assets1.1589%2,837
Return on Equity (ROE)11.9322%1,443
Retained earnings to average equity (ytd only)5.3932%2,701
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.1851%4,661
Assets per employee ($millions)7.3374%686
Cash dividends to net income (ytd only)*54.8015%1,720
Condition Ratios (%)
Loss allowance to loans1.3399%3,645
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets77.6078%957
Net loans and leases to deposits86.4883%1,774
Net loans and leases to core deposits88.2387%2,289
Total domestic deposits to total assets89.7322%948
Equity capital to assets10.1194%3,946
Core capital (leverage) ratio9.6673%4,088
Tier 1 risk-based capital ratio12.8829%4,989
Total risk-based capital ratio14.1341%4,922
Memoranda:
Average total assets$134,778,0003,947
Average earning assets$130,655,0003,796
Average equity$13,090,6704,203
Average total loans$94,901,6703,564
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6428%5,030
Cost of funding earning assets0.1055%6,549
Net interest margin3.5373%3,536
Noninterest income to average assets0.0558%6,469
Noninterest expense to average assets2.4212%4,870
Loan and lease loss provision to assets0.1763%1,367
Net operating income to assets0.9080%2,614
Return on assets (ROA)0.9080%2,683
Pretax return on assets0.9080%3,666
Return on Equity (ROE)9.5418%2,231
Retained earnings to average equity (ytd only)-3.4894%6,011
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0696%3,988
Assets per employee ($millions)8.4517%406
Cash dividends to net income (ytd only)*136.5696%451
Condition Ratios (%)
Loss allowance to loans1.4471%3,378
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets63.6579%2,957
Net loans and leases to deposits70.0045%3,599
Net loans and leases to core deposits71.2867%3,951
Total domestic deposits to total assets90.9340%600
Equity capital to assets8.9770%5,142
Core capital (leverage) ratio9.6488%4,065
Tier 1 risk-based capital ratio13.4534%4,725
Total risk-based capital ratio14.7050%4,660
Memoranda:
Average total assets$136,130,5003,957
Average earning assets$132,756,0003,789
Average equity$12,953,5004,247
Average total loans$90,407,0003,693
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1722%3,448
Cost of funding earning assets0.1133%6,643
Net interest margin4.0589%1,769
Noninterest income to average assets0.0704%6,482
Noninterest expense to average assets2.7695%3,837
Loan and lease loss provision to assets0.0756%3,593
Net operating income to assets1.1653%1,699
Return on assets (ROA)1.1653%1,759
Pretax return on assets1.1653%2,709
Return on Equity (ROE)10.6874%1,868
Retained earnings to average equity (ytd only)7.1384%1,383
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0570%4,001
Assets per employee ($millions)7.1434%710
Cash dividends to net income (ytd only)*33.2075%3,135
Condition Ratios (%)
Loss allowance to loans1.4578%3,384
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets67.4472%2,445
Net loans and leases to deposits75.1829%3,069
Net loans and leases to core deposits76.9739%3,495
Total domestic deposits to total assets89.7108%1,218
Equity capital to assets10.1173%3,607
Core capital (leverage) ratio10.0923%3,442
Tier 1 risk-based capital ratio14.1936%4,156
Total risk-based capital ratio15.4450%4,102
Memoranda:
Average total assets$113,702,2004,417
Average earning assets$110,373,6004,249
Average equity$12,397,8004,375
Average total loans$81,828,8003,882
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3040%2,977
Cost of funding earning assets0.1163%6,732
Net interest margin4.1877%1,374
Noninterest income to average assets0.0752%6,557
Noninterest expense to average assets2.9665%3,091
Loan and lease loss provision to assets0.0800%3,460
Net operating income to assets1.0886%2,046
Return on assets (ROA)1.0886%2,126
Pretax return on assets1.0886%3,159
Return on Equity (ROE)9.7779%2,270
Retained earnings to average equity (ytd only)5.0523%3,039
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7385%3,453
Assets per employee ($millions)6.1846%1,118
Cash dividends to net income (ytd only)*48.3296%1,947
Condition Ratios (%)
Loss allowance to loans1.5904%3,042
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets70.2009%1,928
Net loans and leases to deposits79.3383%2,502
Net loans and leases to core deposits81.5590%2,931
Total domestic deposits to total assets88.4830%1,846
Equity capital to assets11.3068%2,465
Core capital (leverage) ratio11.3446%2,169
Tier 1 risk-based capital ratio14.8693%3,834
Total risk-based capital ratio16.1227%3,790
Memoranda:
Average total assets$109,982,2504,537
Average earning assets$106,626,7504,391
Average equity$12,245,0004,450
Average total loans$80,284,0003,962
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2855%3,014
Cost of funding earning assets0.1104%6,804
Net interest margin4.1751%1,346
Noninterest income to average assets0.0749%6,604
Noninterest expense to average assets2.9872%3,041
Loan and lease loss provision to assets0.1205%2,816
Net operating income to assets1.0408%2,147
Return on assets (ROA)1.0408%2,269
Pretax return on assets1.0408%3,327
Return on Equity (ROE)9.3974%2,460
Retained earnings to average equity (ytd only)2.3411%4,802
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0070%3,464
Assets per employee ($millions)5.9044%1,276
Cash dividends to net income (ytd only)*75.0877%1,034
Condition Ratios (%)
Loss allowance to loans1.4627%3,753
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets80.0593%531
Net loans and leases to deposits90.6637%1,084
Net loans and leases to core deposits92.3333%1,678
Total domestic deposits to total assets88.3035%2,041
Equity capital to assets11.5393%2,258
Core capital (leverage) ratio11.4093%2,013
Tier 1 risk-based capital ratio13.7289%4,623
Total risk-based capital ratio14.9804%4,588
Memoranda:
Average total assets$109,535,6704,574
Average earning assets$106,872,0004,413
Average equity$12,131,0004,502
Average total loans$80,574,6703,968
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1299%3,597
Cost of funding earning assets0.1140%6,880
Net interest margin4.0159%1,725
Noninterest income to average assets0.0756%6,653
Noninterest expense to average assets2.8858%3,395
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1191%1,782
Return on assets (ROA)1.1191%1,893
Pretax return on assets1.1191%2,887
Return on Equity (ROE)10.3112%1,953
Retained earnings to average equity (ytd only)-3.6802%6,250
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0575%3,604
Assets per employee ($millions)6.1137%1,183
Cash dividends to net income (ytd only)*135.6913%415
Condition Ratios (%)
Loss allowance to loans1.4999%3,832
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets75.6343%890
Net loans and leases to deposits85.6466%1,393
Net loans and leases to core deposits87.2590%1,984
Total domestic deposits to total assets88.3098%2,122
Equity capital to assets11.5555%2,363
Core capital (leverage) ratio11.1031%2,176
Tier 1 risk-based capital ratio14.8734%3,924
Total risk-based capital ratio16.1267%3,881
Memoranda:
Average total assets$111,163,5004,595
Average earning assets$108,768,0004,400
Average equity$12,064,5004,560
Average total loans$77,687,0004,072
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1129%4,899
Cost of funding earning assets0.1310%6,960
Net interest margin3.9818%2,472
Noninterest income to average assets0.0713%6,616
Noninterest expense to average assets2.6609%4,536
Loan and lease loss provision to assets0.2978%2,298
Net operating income to assets1.0061%2,310
Return on assets (ROA)1.0061%2,529
Pretax return on assets1.0061%3,527
Return on Equity (ROE)9.7576%2,285
Retained earnings to average equity (ytd only)9.5301%692
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1142%4,309
Assets per employee ($millions)7.8929%528
Cash dividends to net income (ytd only)*2.3318%4,265
Condition Ratios (%)
Loss allowance to loans1.5840%3,388
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets62.8165%3,092
Net loans and leases to deposits70.1785%3,685
Net loans and leases to core deposits71.5587%4,096
Total domestic deposits to total assets89.5096%1,237
Equity capital to assets10.2362%3,846
Core capital (leverage) ratio10.9751%2,278
Tier 1 risk-based capital ratio15.3820%3,494
Total risk-based capital ratio16.6347%3,457
Memoranda:
Average total assets$110,828,0004,575
Average earning assets$108,367,0004,386
Average equity$11,427,0004,682
Average total loans$70,602,2004,341
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1034%5,175
Cost of funding earning assets0.1402%7,057
Net interest margin3.9631%2,656
Noninterest income to average assets0.0710%6,735
Noninterest expense to average assets2.6841%4,431
Loan and lease loss provision to assets0.4039%1,587
Net operating income to assets0.8567%3,184
Return on assets (ROA)0.8567%3,433
Pretax return on assets0.8567%4,269
Return on Equity (ROE)8.2931%3,137
Retained earnings to average equity (ytd only)8.0443%1,603
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0422%4,054
Assets per employee ($millions)7.0669%721
Cash dividends to net income (ytd only)*3.0001%3,654
Condition Ratios (%)
Loss allowance to loans1.4763%4,045
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets75.3585%1,070
Net loans and leases to deposits84.8943%1,748
Net loans and leases to core deposits86.7794%2,371
Total domestic deposits to total assets88.7674%1,554
Equity capital to assets11.0128%3,260
Core capital (leverage) ratio10.3520%3,102
Tier 1 risk-based capital ratio14.2416%4,355
Total risk-based capital ratio15.4945%4,322
Memoranda:
Average total assets$108,936,5004,665
Average earning assets$106,479,2504,478
Average equity$11,254,0004,758
Average total loans$69,360,7504,416
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8738%5,977
Cost of funding earning assets0.1431%7,129
Net interest margin3.7307%3,680
Noninterest income to average assets0.0655%6,804
Noninterest expense to average assets2.6967%4,444
Loan and lease loss provision to assets0.4986%1,275
Net operating income to assets0.5240%4,702
Return on assets (ROA)0.5240%4,977
Pretax return on assets0.5240%5,379
Return on Equity (ROE)5.1827%4,717
Retained earnings to average equity (ytd only)4.9307%3,319
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5049%3,341
Assets per employee ($millions)7.4376%596
Cash dividends to net income (ytd only)*4.8611%3,428
Condition Ratios (%)
Loss allowance to loans1.4895%4,055
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets67.6401%2,334
Net loans and leases to deposits75.3542%3,070
Net loans and leases to core deposits77.5991%3,573
Total domestic deposits to total assets89.7628%1,066
Equity capital to assets10.0991%4,186
Core capital (leverage) ratio10.1924%3,155
Tier 1 risk-based capital ratio14.2999%4,241
Total risk-based capital ratio15.5525%4,199
Memoranda:
Average total assets$109,914,0004,674
Average earning assets$107,646,6704,469
Average equity$11,114,0004,789
Average total loans$65,454,3304,585
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7347%6,381
Cost of funding earning assets0.1500%7,187
Net interest margin3.5847%4,330
Noninterest income to average assets0.0660%6,872
Noninterest expense to average assets2.7354%4,297
Loan and lease loss provision to assets0.4657%1,319
Net operating income to assets0.3703%5,383
Return on assets (ROA)0.3703%5,566
Pretax return on assets0.3703%5,809
Return on Equity (ROE)3.6602%5,442
Retained earnings to average equity (ytd only)3.3703%4,549
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.5914%2,698
Assets per employee ($millions)7.2573%660
Cash dividends to net income (ytd only)*7.9208%2,599
Condition Ratios (%)
Loss allowance to loans1.5305%4,024
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets58.7494%3,912
Net loans and leases to deposits65.4743%4,438
Net loans and leases to core deposits67.4741%4,735
Total domestic deposits to total assets89.7289%1,230
Equity capital to assets10.1829%3,873
Core capital (leverage) ratio10.5609%2,685
Tier 1 risk-based capital ratio16.5211%2,902
Total risk-based capital ratio17.7745%2,865
Memoranda:
Average total assets$109,089,0004,727
Average earning assets$106,676,0004,524
Average equity$11,037,5004,820
Average total loans$59,880,0004,824
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6933%6,856
Cost of funding earning assets0.2393%7,189
Net interest margin3.4540%5,313
Noninterest income to average assets0.0669%6,763
Noninterest expense to average assets2.6130%5,045
Loan and lease loss provision to assets0.2788%3,434
Net operating income to assets0.5554%4,209
Return on assets (ROA)0.5554%4,395
Pretax return on assets0.5554%4,817
Return on Equity (ROE)5.1013%4,342
Retained earnings to average equity (ytd only)5.1013%2,560
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8007%2,913
Assets per employee ($millions)8.4092%407
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.5818%3,656
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets49.3464%5,679
Net loans and leases to deposits54.9540%5,984
Net loans and leases to core deposits56.8033%6,094
Total domestic deposits to total assets89.7959%1,102
Equity capital to assets10.0531%4,101
Core capital (leverage) ratio10.6758%2,549
Tier 1 risk-based capital ratio18.9196%1,924
Total risk-based capital ratio20.1728%1,883
Memoranda:
Average total assets$89,667,0005,191
Average earning assets$87,753,8004,996
Average equity$9,762,2005,081
Average total loans$45,361,4005,447
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7887%6,852
Cost of funding earning assets0.2683%7,260
Net interest margin3.5203%5,104
Noninterest income to average assets0.0692%6,880
Noninterest expense to average assets2.7184%4,660
Loan and lease loss provision to assets0.2737%3,318
Net operating income to assets0.5239%4,439
Return on assets (ROA)0.5239%4,617
Pretax return on assets0.5239%5,064
Return on Equity (ROE)4.6957%4,663
Retained earnings to average equity (ytd only)4.6957%3,379
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3154%2,640
Assets per employee ($millions)7.6928%534
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.6224%3,561
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets51.9580%5,454
Net loans and leases to deposits58.9405%5,753
Net loans and leases to core deposits61.3484%5,872
Total domestic deposits to total assets88.1533%1,952
Equity capital to assets11.7026%2,490
Core capital (leverage) ratio12.0056%1,704
Tier 1 risk-based capital ratio22.0627%1,276
Total risk-based capital ratio23.3167%1,253
Memoranda:
Average total assets$84,754,0005,362
Average earning assets$82,982,2505,187
Average equity$9,455,2505,189
Average total loans$42,998,7505,603
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7872%6,934
Cost of funding earning assets0.3026%7,305
Net interest margin3.4846%5,226
Noninterest income to average assets0.0705%6,958
Noninterest expense to average assets2.7628%4,580
Loan and lease loss provision to assets0.3405%2,742
Net operating income to assets0.3843%5,024
Return on assets (ROA)0.3843%5,162
Pretax return on assets0.3843%5,441
Return on Equity (ROE)3.5088%5,168
Retained earnings to average equity (ytd only)3.5088%4,017
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2190%2,520
Assets per employee ($millions)7.4900%573
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.6456%3,513
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets50.3393%5,777
Net loans and leases to deposits56.0935%6,126
Net loans and leases to core deposits58.2161%6,255
Total domestic deposits to total assets89.7419%1,102
Equity capital to assets10.1402%3,965
Core capital (leverage) ratio10.7111%2,509
Tier 1 risk-based capital ratio19.7486%1,657
Total risk-based capital ratio21.0033%1,629
Memoranda:
Average total assets$82,234,3305,484
Average earning assets$80,640,3305,302
Average equity$9,006,0005,325
Average total loans$41,080,0005,754
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7744%6,981
Cost of funding earning assets0.3171%7,361
Net interest margin3.4573%5,192
Noninterest income to average assets0.0663%7,061
Noninterest expense to average assets2.7955%4,462
Loan and lease loss provision to assets0.4846%1,817
Net operating income to assets0.1785%5,857
Return on assets (ROA)0.1785%5,908
Pretax return on assets0.1785%5,990
Return on Equity (ROE)1.5639%5,955
Retained earnings to average equity (ytd only)1.5639%5,173
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8260%2,395
Assets per employee ($millions)6.7217%837
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.6786%3,416
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets51.7034%5,618
Net loans and leases to deposits58.2450%5,900
Net loans and leases to core deposits61.3204%5,989
Total domestic deposits to total assets88.7689%1,919
Equity capital to assets11.1282%2,557
Core capital (leverage) ratio11.2052%2,030
Tier 1 risk-based capital ratio17.4413%2,320
Total risk-based capital ratio18.6927%2,285
Memoranda:
Average total assets$78,411,5005,634
Average earning assets$76,939,0005,449
Average equity$8,952,0005,348
Average total loans$38,619,0005,910
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1948%6,931
Cost of funding earning assets0.4539%7,362
Net interest margin3.7409%4,173
Noninterest income to average assets0.0818%6,981
Noninterest expense to average assets3.1954%3,112
Loan and lease loss provision to assets0.2903%4,473
Net operating income to assets0.2403%5,136
Return on assets (ROA)0.2403%5,290
Pretax return on assets0.2403%5,378
Return on Equity (ROE)1.6433%5,513
Retained earnings to average equity (ytd only)1.6433%4,696
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.7591%1,718
Assets per employee ($millions)7.6163%562
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.7719%2,953
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets44.9103%6,643
Net loans and leases to deposits50.9617%6,807
Net loans and leases to core deposits53.8348%6,822
Total domestic deposits to total assets88.1255%2,179
Equity capital to assets11.7222%2,105
Core capital (leverage) ratio12.0242%1,530
Tier 1 risk-based capital ratio21.4019%1,262
Total risk-based capital ratio22.6532%1,236
Memoranda:
Average total assets$59,929,2006,207
Average earning assets$58,381,8006,048
Average equity$8,762,8005,488
Average total loans$32,290,8006,300
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3582%6,879
Cost of funding earning assets0.4695%7,488
Net interest margin3.8887%3,578
Noninterest income to average assets0.0788%7,139
Noninterest expense to average assets3.5605%1,879
Loan and lease loss provision to assets0.3389%3,891
Net operating income to assets-0.0453%6,088
Return on assets (ROA)-0.0453%6,202
Pretax return on assets-0.0453%6,162
Return on Equity (ROE)-0.2904%6,184
Retained earnings to average equity (ytd only)-0.2904%5,854
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.3839%1,095
Assets per employee ($millions)7.3520%666
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.7272%3,072
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets45.2720%6,754
Net loans and leases to deposits51.5041%6,911
Net loans and leases to core deposits54.5219%6,931
Total domestic deposits to total assets87.8999%2,016
Equity capital to assets11.9042%2,223
Core capital (leverage) ratio13.5396%1,048
Tier 1 risk-based capital ratio21.0998%1,342
Total risk-based capital ratio22.3487%1,320
Memoranda:
Average total assets$55,870,7506,419
Average earning assets$54,241,7506,270
Average equity$8,721,5005,570
Average total loans$31,658,0006,413
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6293%6,373
Cost of funding earning assets0.4786%7,570
Net interest margin4.1507%2,332
Noninterest income to average assets0.0880%7,140
Noninterest expense to average assets3.8890%1,205
Loan and lease loss provision to assets0.4561%3,039
Net operating income to assets-0.2321%6,394
Return on assets (ROA)-0.2321%6,436
Pretax return on assets-0.2321%6,363
Return on Equity (ROE)-1.3316%6,358
Retained earnings to average equity (ytd only)-1.3316%6,035
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.5525%1,037
Assets per employee ($millions)6.1851%1,108
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.6709%3,181
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets58.8851%5,268
Net loans and leases to deposits69.9285%5,288
Net loans and leases to core deposits75.7161%5,229
Total domestic deposits to total assets84.2076%4,010
Equity capital to assets15.6271%740
Core capital (leverage) ratio16.5945%485
Tier 1 risk-based capital ratio23.0718%1,062
Total risk-based capital ratio24.3237%1,038
Memoranda:
Average total assets$49,987,6706,650
Average earning assets$48,473,6706,532
Average equity$8,711,3305,582
Average total loans$30,921,0006,482
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6335%6,456
Cost of funding earning assets0.4836%7,697
Net interest margin4.1500%2,239
Noninterest income to average assets0.0933%7,240
Noninterest expense to average assets3.8262%1,288
Loan and lease loss provision to assets0.6024%2,110
Net operating income to assets-0.3309%6,692
Return on assets (ROA)-0.3309%6,744
Pretax return on assets-0.3309%6,667
Return on Equity (ROE)-1.7895%6,619
Retained earnings to average equity (ytd only)-1.7895%6,180
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.3747%1,175
Assets per employee ($millions)5.3223%1,845
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.5991%3,448
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets65.9005%3,875
Net loans and leases to deposits80.6907%3,516
Net loans and leases to core deposits88.8185%3,518
Total domestic deposits to total assets81.6705%5,207
Equity capital to assets18.1729%407
Core capital (leverage) ratio18.4100%347
Tier 1 risk-based capital ratio24.1016%955
Total risk-based capital ratio25.3530%936
Memoranda:
Average total assets$47,148,5006,836
Average earning assets$45,494,5006,728
Average equity$8,717,5005,623
Average total loans$29,713,5006,620
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7800%7,765
Cost of funding earning assets0.6625%7,728
Net interest margin3.1176%6,319
Noninterest income to average assets0.0926%7,301
Noninterest expense to average assets4.5055%798
Loan and lease loss provision to assets0.9236%2,431
Net operating income to assets-2.3243%7,208
Return on assets (ROA)-2.3243%7,210
Pretax return on assets-2.3243%7,074
Return on Equity (ROE)-9.1240%6,548
Retained earnings to average equity (ytd only)-9.1240%6,443
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio145.1175%350
Assets per employee ($millions)5.1551%2,010
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.6199%3,198
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets57.9878%5,668
Net loans and leases to deposits77.0226%4,558
Net loans and leases to core deposits95.3603%4,532
Total domestic deposits to total assets75.2867%6,813
Equity capital to assets18.8163%384
Core capital (leverage) ratio20.7083%249
Tier 1 risk-based capital ratio27.5925%666
Total risk-based capital ratio28.8441%649
Memoranda:
Average total assets$35,623,2007,257
Average earning assets$34,417,6007,167
Average equity$9,075,0005,584
Average total loans$15,714,8007,416
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6323%7,912
Cost of funding earning assets0.7098%7,801
Net interest margin2.9226%6,796
Noninterest income to average assets0.0486%7,658
Noninterest expense to average assets4.7858%573
Loan and lease loss provision to assets0.8867%2,171
Net operating income to assets-2.7897%7,536
Return on assets (ROA)-2.7897%7,542
Pretax return on assets-2.7897%7,449
Return on Equity (ROE)-10.0275%6,901
Retained earnings to average equity (ytd only)-10.0275%6,812
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio166.0112%255
Assets per employee ($millions)4.5097%2,847
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6552%2,784
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets48.7496%6,887
Net loans and leases to deposits62.6199%6,623
Net loans and leases to core deposits79.1187%6,411
Total domestic deposits to total assets77.8501%6,129
Equity capital to assets21.8173%252
Core capital (leverage) ratio22.8257%214
Tier 1 risk-based capital ratio36.3834%351
Total risk-based capital ratio37.6366%341
Memoranda:
Average total assets$32,930,0007,427
Average earning assets$31,934,7507,333
Average equity$9,161,2505,610
Average total loans$12,806,7507,630
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3571%8,049
Cost of funding earning assets0.7354%7,892
Net interest margin2.6217%7,332
Noninterest income to average assets0.0395%7,790
Noninterest expense to average assets5.0103%509
Loan and lease loss provision to assets1.0666%1,600
Net operating income to assets-3.5026%7,766
Return on assets (ROA)-3.5026%7,765
Pretax return on assets-3.5026%7,678
Return on Equity (ROE)-11.4862%7,137
Retained earnings to average equity (ytd only)-11.4862%7,007
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio194.6292%211
Assets per employee ($millions)4.0606%3,571
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.7603%2,148
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets42.1480%7,439
Net loans and leases to deposits56.1375%7,159
Net loans and leases to core deposits67.6193%7,141
Total domestic deposits to total assets75.0800%6,751
Equity capital to assets24.6217%211
Core capital (leverage) ratio27.8016%163
Tier 1 risk-based capital ratio47.6110%205
Total risk-based capital ratio48.9126%201
Memoranda:
Average total assets$30,377,6707,588
Average earning assets$29,370,3307,510
Average equity$9,263,3305,593
Average total loans$10,369,3307,841
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1292%8,129
Cost of funding earning assets0.8051%7,905
Net interest margin2.3241%7,690
Noninterest income to average assets0.0440%7,863
Noninterest expense to average assets5.2026%426
Loan and lease loss provision to assets0.4250%2,798
Net operating income to assets-3.3414%7,894
Return on assets (ROA)-3.3414%7,895
Pretax return on assets-3.3414%7,815
Return on Equity (ROE)-9.7063%7,344
Retained earnings to average equity (ytd only)-9.7063%7,083
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio227.5641%147
Assets per employee ($millions)3.8416%3,995
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.6843%2,194
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets27.1597%7,977
Net loans and leases to deposits39.0193%7,872
Net loans and leases to core deposits45.8979%7,871
Total domestic deposits to total assets69.6060%7,463
Equity capital to assets30.2248%143
Core capital (leverage) ratio32.2009%133
Tier 1 risk-based capital ratio76.1393%96
Total risk-based capital ratio77.3115%95
Memoranda:
Average total assets$27,294,0007,756
Average earning assets$26,333,0007,669
Average equity$9,396,0005,568
Average total loans$7,714,5008,003
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.7725%8,272
Cost of funding earning assets0.3380%8,215
Net interest margin0.4345%8,272
Noninterest income to average assets0.0103%8,064
Noninterest expense to average assets2.3048%6,687
Loan and lease loss provision to assets0.5852%2,482
Net operating income to assets-2.4639%7,699
Return on assets (ROA)-2.4639%7,670
Pretax return on assets-2.4639%7,582
Return on Equity (ROE)-4.9439%6,858
Retained earnings to average equity (ytd only)-4.9439%6,504
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio540.9639%39
Assets per employee ($millions)2.9819%6,097
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.6429%2,089
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets28.6104%8,022
Net loans and leases to deposits47.6540%7,724
Net loans and leases to core deposits50.7133%7,872
Total domestic deposits to total assets60.0377%7,965
Equity capital to assets39.8365%102
Core capital (leverage) ratio46.7253%89
Tier 1 risk-based capital ratio95.4692%85
Total risk-based capital ratio95.4692%85
Memoranda:
Average total assets$19,481,5008,032
Average earning assets$18,641,5007,981
Average equity$9,709,0005,506
Average total loans$3,469,5008,209