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Magnolia State Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2963%822
Cost of funding earning assets0.4656%4,303
Net interest margin5.8307%107
Noninterest income to average assets0.5000%1,747
Noninterest expense to average assets3.7197%470
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets2.1118%380
Return on assets (ROA)2.1118%387
Pretax return on assets2.1118%574
Return on Equity (ROE)14.7600%1,122
Retained earnings to average equity (ytd only)14.7591%458
Net charge-offs to loans-0.0349%4,227
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio63.7864%2,499
Assets per employee ($millions)4.0649%4,071
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans2.1377%320
Loan loss allowance to noncurrent loans416.6983%1,312
Noncurrent assets plus other real estate owned to assets0.4351%1,627
Noncurrent loans to loans0.5130%1,839
Net loans and leases to total assets51.5200%3,492
Net loans and leases to deposits60.8802%3,453
Net loans and leases to core deposits61.9173%3,621
Total domestic deposits to total assets84.6300%2,729
Equity capital to assets14.6396%609
Core capital (leverage) ratio14.8101%628
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$195,284,5003,040
Average earning assets$178,708,0003,052
Average equity$27,942,0002,537
Average total loans$103,013,0003,190
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5234%679
Cost of funding earning assets0.4834%4,318
Net interest margin6.0400%107
Noninterest income to average assets0.3700%2,639
Noninterest expense to average assets3.3284%727
Loan and lease loss provision to assets-0.0900%4,358
Net operating income to assets2.7239%181
Return on assets (ROA)2.7239%184
Pretax return on assets2.7239%239
Return on Equity (ROE)20.2200%390
Retained earnings to average equity (ytd only)6.6872%1,555
Net charge-offs to loans-0.2251%4,489
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio55.7799%3,576
Assets per employee ($millions)4.2490%4,015
Cash dividends to net income (ytd only)*66.9215%925
Condition Ratios (%)
Loss allowance to loans2.1181%307
Loan loss allowance to noncurrent loans372.1088%1,466
Noncurrent assets plus other real estate owned to assets0.4656%1,517
Noncurrent loans to loans0.5692%1,658
Net loans and leases to total assets51.7300%3,538
Net loans and leases to deposits60.7296%3,500
Net loans and leases to core deposits61.7608%3,688
Total domestic deposits to total assets85.1800%2,470
Equity capital to assets13.9777%683
Core capital (leverage) ratio13.7761%836
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$201,657,6002,991
Average earning assets$187,002,4002,987
Average equity$27,171,2002,509
Average total loans$95,938,8003,246
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3946%792
Cost of funding earning assets0.4787%4,345
Net interest margin5.9159%122
Noninterest income to average assets0.3700%2,610
Noninterest expense to average assets3.1212%943
Loan and lease loss provision to assets-0.1100%4,404
Net operating income to assets2.8390%162
Return on assets (ROA)2.8390%165
Pretax return on assets2.8390%230
Return on Equity (ROE)21.2600%349
Retained earnings to average equity (ytd only)16.9770%169
Net charge-offs to loans-0.3514%4,526
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio53.3775%3,779
Assets per employee ($millions)4.1441%4,071
Cash dividends to net income (ytd only)*20.1525%2,541
Condition Ratios (%)
Loss allowance to loans2.1523%315
Loan loss allowance to noncurrent loans155.6101%2,528
Noncurrent assets plus other real estate owned to assets0.9708%684
Noncurrent loans to loans1.3832%714
Net loans and leases to total assets50.7100%3,603
Net loans and leases to deposits60.0867%3,586
Net loans and leases to core deposits60.7954%3,757
Total domestic deposits to total assets84.4000%2,483
Equity capital to assets14.7504%606
Core capital (leverage) ratio14.5476%701
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$203,208,5002,970
Average earning assets$188,300,2502,964
Average equity$27,134,0002,510
Average total loans$94,098,2503,273
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3217%793
Cost of funding earning assets0.4678%4,359
Net interest margin5.8539%134
Noninterest income to average assets0.3700%2,567
Noninterest expense to average assets3.0366%1,056
Loan and lease loss provision to assets-0.1700%4,456
Net operating income to assets2.9447%156
Return on assets (ROA)2.9447%160
Pretax return on assets2.9447%211
Return on Equity (ROE)22.8300%303
Retained earnings to average equity (ytd only)16.2207%234
Net charge-offs to loans-0.5598%4,556
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio52.2360%3,878
Assets per employee ($millions)4.3010%4,010
Cash dividends to net income (ytd only)*28.9413%2,247
Condition Ratios (%)
Loss allowance to loans2.3265%276
Loan loss allowance to noncurrent loans159.0000%2,585
Noncurrent assets plus other real estate owned to assets0.9656%631
Noncurrent loans to loans1.4632%596
Net loans and leases to total assets46.2300%3,821
Net loans and leases to deposits53.9930%3,813
Net loans and leases to core deposits54.5273%3,944
Total domestic deposits to total assets85.6300%2,101
Equity capital to assets13.5540%760
Core capital (leverage) ratio13.7842%860
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$204,639,3332,965
Average earning assets$190,233,6672,954
Average equity$26,398,3332,523
Average total loans$91,098,3333,306
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8164%1,291
Cost of funding earning assets0.4725%4,375
Net interest margin5.3439%223
Noninterest income to average assets0.3900%2,363
Noninterest expense to average assets2.9317%1,176
Loan and lease loss provision to assets-0.1500%4,483
Net operating income to assets2.5781%227
Return on assets (ROA)2.5781%226
Pretax return on assets2.5781%317
Return on Equity (ROE)20.5000%410
Retained earnings to average equity (ytd only)20.4958%176
Net charge-offs to loans-0.5675%4,577
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio54.6937%3,709
Assets per employee ($millions)4.4304%3,972
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans2.4339%217
Loan loss allowance to noncurrent loans134.6437%2,850
Noncurrent assets plus other real estate owned to assets1.0697%529
Noncurrent loans to loans1.8076%387
Net loans and leases to total assets43.1200%3,922
Net loans and leases to deposits50.1023%3,915
Net loans and leases to core deposits50.8910%4,058
Total domestic deposits to total assets86.0600%2,078
Equity capital to assets13.0245%857
Core capital (leverage) ratio13.3052%956
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$205,885,5002,966
Average earning assets$191,320,0002,954
Average equity$25,898,0002,556
Average total loans$88,806,5003,336
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7576%877
Cost of funding earning assets0.2864%4,386
Net interest margin5.4712%190
Noninterest income to average assets0.3100%3,052
Noninterest expense to average assets3.0211%1,101
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets2.4917%241
Return on assets (ROA)2.4917%235
Pretax return on assets2.4917%344
Return on Equity (ROE)22.2100%448
Retained earnings to average equity (ytd only)14.3762%369
Net charge-offs to loans-0.5985%4,602
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio54.8013%3,619
Assets per employee ($millions)4.6216%3,878
Cash dividends to net income (ytd only)*35.2830%2,332
Condition Ratios (%)
Loss allowance to loans2.4489%203
Loan loss allowance to noncurrent loans134.8428%2,975
Noncurrent assets plus other real estate owned to assets1.0300%477
Noncurrent loans to loans1.8161%328
Net loans and leases to total assets41.0700%3,997
Net loans and leases to deposits47.2235%4,013
Net loans and leases to core deposits47.9373%4,123
Total domestic deposits to total assets86.9600%1,695
Equity capital to assets12.1421%1,085
Core capital (leverage) ratio12.1511%1,347
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$212,706,0002,893
Average earning assets$202,131,8002,843
Average equity$23,858,8002,582
Average total loans$92,234,2003,258
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7834%706
Cost of funding earning assets0.2365%4,411
Net interest margin5.5468%174
Noninterest income to average assets0.3800%2,609
Noninterest expense to average assets2.9472%1,144
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets2.7216%213
Return on assets (ROA)2.7216%212
Pretax return on assets2.7216%304
Return on Equity (ROE)24.7600%394
Retained earnings to average equity (ytd only)24.7599%141
Net charge-offs to loans-0.7737%4,632
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio51.9903%3,757
Assets per employee ($millions)4.8008%3,739
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans2.4042%231
Loan loss allowance to noncurrent loans124.2865%3,014
Noncurrent assets plus other real estate owned to assets1.2206%365
Noncurrent loans to loans1.9344%324
Net loans and leases to total assets40.1000%4,054
Net loans and leases to deposits45.9618%4,050
Net loans and leases to core deposits46.6278%4,115
Total domestic deposits to total assets87.2400%1,817
Equity capital to assets11.9171%1,057
Core capital (leverage) ratio12.6757%1,168
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$213,889,7502,892
Average earning assets$204,074,7502,851
Average equity$23,510,5002,596
Average total loans$93,405,0003,254
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1462%372
Cost of funding earning assets0.1757%4,452
Net interest margin5.9705%111
Noninterest income to average assets0.3900%2,505
Noninterest expense to average assets2.8887%1,232
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets3.1767%135
Return on assets (ROA)3.1767%133
Pretax return on assets3.1767%179
Return on Equity (ROE)29.7500%214
Retained earnings to average equity (ytd only)29.7465%79
Net charge-offs to loans-1.1374%4,656
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio47.6257%4,085
Assets per employee ($millions)4.6659%3,846
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans2.2870%271
Loan loss allowance to noncurrent loans296.5229%2,163
Noncurrent assets plus other real estate owned to assets0.8297%611
Noncurrent loans to loans0.7713%982
Net loans and leases to total assets43.3800%3,906
Net loans and leases to deposits49.6214%3,930
Net loans and leases to core deposits50.4444%4,003
Total domestic deposits to total assets87.4300%1,792
Equity capital to assets11.7295%1,122
Core capital (leverage) ratio12.5026%1,166
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$213,175,0002,907
Average earning assets$202,596,0002,873
Average equity$22,765,6672,641
Average total loans$94,953,3333,234
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7978%1,622
Cost of funding earning assets0.1316%4,491
Net interest margin4.6662%470
Noninterest income to average assets0.3800%2,520
Noninterest expense to average assets2.9053%1,226
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.8978%576
Return on assets (ROA)1.8978%572
Pretax return on assets1.8978%912
Return on Equity (ROE)18.6700%934
Retained earnings to average equity (ytd only)18.6677%463
Net charge-offs to loans-0.1044%4,515
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio60.4886%2,894
Assets per employee ($millions)4.6368%3,938
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.7011%810
Loan loss allowance to noncurrent loans191.4692%2,706
Noncurrent assets plus other real estate owned to assets0.9834%422
Noncurrent loans to loans0.8884%849
Net loans and leases to total assets44.7500%3,832
Net loans and leases to deposits50.6701%3,860
Net loans and leases to core deposits51.3429%3,942
Total domestic deposits to total assets88.3200%1,805
Equity capital to assets10.8043%1,416
Core capital (leverage) ratio11.0630%1,802
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$214,779,5002,944
Average earning assets$203,592,0002,911
Average equity$21,834,5002,734
Average total loans$95,818,5003,259
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8150%2,232
Cost of funding earning assets0.1169%4,302
Net interest margin3.6981%1,381
Noninterest income to average assets0.5100%2,035
Noninterest expense to average assets2.8292%1,260
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.1366%2,027
Return on assets (ROA)1.1366%1,973
Pretax return on assets1.1366%2,654
Return on Equity (ROE)11.4700%2,314
Retained earnings to average equity (ytd only)11.4681%788
Net charge-offs to loans-0.2646%4,654
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio71.3392%1,521
Assets per employee ($millions)5.2596%3,459
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.6463%889
Loan loss allowance to noncurrent loans188.7307%2,739
Noncurrent assets plus other real estate owned to assets0.9280%471
Noncurrent loans to loans0.8723%853
Net loans and leases to total assets43.0300%3,927
Net loans and leases to deposits48.0288%3,974
Net loans and leases to core deposits48.5474%4,038
Total domestic deposits to total assets89.5900%1,519
Equity capital to assets9.5631%1,961
Core capital (leverage) ratio10.1219%2,524
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$213,526,4002,956
Average earning assets$199,399,4002,941
Average equity$21,163,0002,844
Average total loans$94,875,0003,220
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5228%2,539
Cost of funding earning assets0.1173%4,143
Net interest margin3.4055%1,960
Noninterest income to average assets0.5900%1,743
Noninterest expense to average assets2.7619%1,320
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.0128%2,434
Return on assets (ROA)1.0128%2,402
Pretax return on assets1.0128%2,981
Return on Equity (ROE)10.1300%2,683
Retained earnings to average equity (ytd only)10.1261%1,308
Net charge-offs to loans-0.5069%4,733
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio73.1687%1,366
Assets per employee ($millions)4.4475%4,094
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.7906%744
Loan loss allowance to noncurrent loans107.9416%3,308
Noncurrent assets plus other real estate owned to assets1.2536%310
Noncurrent loans to loans1.6588%401
Net loans and leases to total assets42.7600%3,953
Net loans and leases to deposits47.8653%3,959
Net loans and leases to core deposits48.3900%4,018
Total domestic deposits to total assets89.3400%1,943
Equity capital to assets9.7740%1,742
Core capital (leverage) ratio10.4842%2,124
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$211,682,5002,989
Average earning assets$197,830,7502,974
Average equity$21,172,5002,881
Average total loans$94,434,0003,242
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0816%3,356
Cost of funding earning assets0.1229%3,931
Net interest margin2.9587%3,009
Noninterest income to average assets0.6088%1,701
Noninterest expense to average assets2.7557%1,259
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.6107%3,602
Return on assets (ROA)0.6107%3,546
Pretax return on assets0.6107%3,795
Return on Equity (ROE)6.0577%3,556
Retained earnings to average equity (ytd only)6.0577%2,318
Net charge-offs to loans-0.1739%4,567
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.8594%813
Assets per employee ($millions)4.5264%4,055
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.4971%1,412
Loan loss allowance to noncurrent loans54.7766%3,765
Noncurrent assets plus other real estate owned to assets1.7698%180
Noncurrent loans to loans2.7331%194
Net loans and leases to total assets43.9798%3,836
Net loans and leases to deposits49.3158%3,845
Net loans and leases to core deposits49.9941%3,935
Total domestic deposits to total assets89.1798%2,096
Equity capital to assets9.8773%1,786
Core capital (leverage) ratio10.1480%2,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$209,601,3333,032
Average earning assets$195,355,0003,025
Average equity$21,130,0002,964
Average total loans$94,283,0003,269
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9023%3,530
Cost of funding earning assets0.1240%3,848
Net interest margin2.7783%3,206
Noninterest income to average assets0.5403%1,948
Noninterest expense to average assets2.7496%1,259
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.4615%3,808
Return on assets (ROA)0.4615%3,771
Pretax return on assets0.4615%3,930
Return on Equity (ROE)4.5308%3,750
Retained earnings to average equity (ytd only)4.5308%2,767
Net charge-offs to loans-0.2683%4,642
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.6287%756
Assets per employee ($millions)4.6066%4,073
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.5097%1,525
Loan loss allowance to noncurrent loans69.6278%3,663
Noncurrent assets plus other real estate owned to assets1.8485%167
Noncurrent loans to loans2.1683%316
Net loans and leases to total assets43.1931%3,800
Net loans and leases to deposits48.0041%3,864
Net loans and leases to core deposits48.6597%3,951
Total domestic deposits to total assets89.9779%1,574
Equity capital to assets9.9291%1,951
Core capital (leverage) ratio10.2122%2,097
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$208,031,5003,055
Average earning assets$199,980,0003,006
Average equity$21,188,5003,043
Average total loans$93,932,0003,274
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0025%1,356
Cost of funding earning assets0.1697%3,777
Net interest margin3.8329%949
Noninterest income to average assets0.3635%3,255
Noninterest expense to average assets3.0574%903
Loan and lease loss provision to assets-0.0757%4,470
Net operating income to assets0.9855%2,734
Return on assets (ROA)0.9855%2,801
Pretax return on assets0.9855%3,300
Return on Equity (ROE)9.2050%2,826
Retained earnings to average equity (ytd only)9.2050%1,137
Net charge-offs to loans-0.2544%4,736
Credit loss provision to net charge-offs56.3910%2,090
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0680%1,022
Assets per employee ($millions)4.6400%4,007
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.4115%1,882
Loan loss allowance to noncurrent loans73.9923%3,654
Noncurrent assets plus other real estate owned to assets1.8534%186
Noncurrent loans to loans1.9076%416
Net loans and leases to total assets45.8432%3,705
Net loans and leases to deposits51.2566%3,784
Net loans and leases to core deposits51.9871%3,896
Total domestic deposits to total assets89.4387%1,275
Equity capital to assets10.4511%2,220
Core capital (leverage) ratio10.0110%2,361
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$198,077,2003,080
Average earning assets$186,231,8003,054
Average equity$21,205,8003,121
Average total loans$104,568,4003,140
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2684%1,007
Cost of funding earning assets0.1814%3,803
Net interest margin4.0870%672
Noninterest income to average assets0.3039%3,616
Noninterest expense to average assets3.0830%844
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.0406%2,767
Return on assets (ROA)1.0406%2,831
Pretax return on assets1.0406%3,348
Return on Equity (ROE)9.6599%2,858
Retained earnings to average equity (ytd only)9.6599%1,424
Net charge-offs to loans-0.3465%4,818
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7656%1,151
Assets per employee ($millions)4.2489%4,301
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.4772%1,719
Loan loss allowance to noncurrent loans53.8710%3,905
Noncurrent assets plus other real estate owned to assets2.3835%133
Noncurrent loans to loans2.7422%254
Net loans and leases to total assets49.1508%3,510
Net loans and leases to deposits55.1705%3,642
Net loans and leases to core deposits55.9587%3,772
Total domestic deposits to total assets89.0888%1,231
Equity capital to assets10.7896%2,175
Core capital (leverage) ratio10.6450%1,942
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$196,556,2503,128
Average earning assets$183,702,0003,109
Average equity$21,173,0003,153
Average total loans$106,977,0003,155
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0213%1,522
Cost of funding earning assets0.1916%3,834
Net interest margin3.8296%1,093
Noninterest income to average assets0.2937%3,665
Noninterest expense to average assets3.0583%899
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.7976%3,523
Return on assets (ROA)0.7976%3,592
Pretax return on assets0.7976%3,870
Return on Equity (ROE)7.4082%3,551
Retained earnings to average equity (ytd only)7.4082%2,285
Net charge-offs to loans0.1490%551
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)9.5556%1,826
Efficiency ratio79.3159%827
Assets per employee ($millions)4.2146%4,319
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.0720%3,535
Loan loss allowance to noncurrent loans40.9302%4,057
Noncurrent assets plus other real estate owned to assets2.4848%140
Noncurrent loans to loans2.6191%304
Net loans and leases to total assets53.2976%3,224
Net loans and leases to deposits59.7862%3,407
Net loans and leases to core deposits60.8604%3,553
Total domestic deposits to total assets89.1470%1,201
Equity capital to assets10.7227%2,213
Core capital (leverage) ratio10.5162%1,944
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$194,093,0003,145
Average earning assets$180,539,6673,132
Average equity$20,895,6673,169
Average total loans$108,721,3333,141
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0859%1,425
Cost of funding earning assets0.2070%3,854
Net interest margin3.8789%1,019
Noninterest income to average assets0.1957%4,214
Noninterest expense to average assets2.9339%1,102
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8517%3,266
Return on assets (ROA)0.8517%3,346
Pretax return on assets0.8517%3,720
Return on Equity (ROE)7.8944%3,360
Retained earnings to average equity (ytd only)7.8944%2,281
Net charge-offs to loans-0.0948%4,619
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5028%997
Assets per employee ($millions)4.0759%4,433
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1422%3,234
Loan loss allowance to noncurrent loans42.8278%4,072
Noncurrent assets plus other real estate owned to assets2.7867%125
Noncurrent loans to loans2.6669%331
Net loans and leases to total assets55.3442%3,113
Net loans and leases to deposits62.0703%3,312
Net loans and leases to core deposits63.1977%3,483
Total domestic deposits to total assets89.1638%1,259
Equity capital to assets10.6803%2,104
Core capital (leverage) ratio10.7986%1,862
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$192,097,5003,149
Average earning assets$177,783,0003,139
Average equity$20,723,5003,177
Average total loans$109,723,0003,133
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9039%592
Cost of funding earning assets0.3790%3,715
Net interest margin4.5249%316
Noninterest income to average assets0.6588%1,990
Noninterest expense to average assets3.7217%511
Loan and lease loss provision to assets0.0866%3,282
Net operating income to assets1.0548%2,087
Return on assets (ROA)1.0548%2,225
Pretax return on assets1.0548%2,860
Return on Equity (ROE)9.1905%2,320
Retained earnings to average equity (ytd only)9.1905%732
Net charge-offs to loans0.2279%764
Credit loss provision to net charge-offs57.2519%3,098
Earnings coverage of net charge-offs (x)7.5458%2,687
Efficiency ratio76.5286%1,169
Assets per employee ($millions)3.9282%4,423
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.1135%3,396
Loan loss allowance to noncurrent loans43.0531%4,116
Noncurrent assets plus other real estate owned to assets3.2346%100
Noncurrent loans to loans2.5865%386
Net loans and leases to total assets57.6466%3,130
Net loans and leases to deposits64.8140%3,376
Net loans and leases to core deposits66.1399%3,530
Total domestic deposits to total assets88.9416%1,013
Equity capital to assets10.8998%2,343
Core capital (leverage) ratio10.9611%1,821
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$173,201,4003,168
Average earning assets$160,932,6003,158
Average equity$19,879,2003,199
Average total loans$114,973,0003,034
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0350%574
Cost of funding earning assets0.4191%3,709
Net interest margin4.6159%300
Noninterest income to average assets0.6377%2,034
Noninterest expense to average assets3.9220%404
Loan and lease loss provision to assets0.1181%2,845
Net operating income to assets0.9156%2,641
Return on assets (ROA)0.9156%2,768
Pretax return on assets0.9156%3,340
Return on Equity (ROE)7.8668%2,854
Retained earnings to average equity (ytd only)7.8668%1,348
Net charge-offs to loans0.2099%730
Credit loss provision to net charge-offs81.9672%2,748
Earnings coverage of net charge-offs (x)7.1749%2,595
Efficiency ratio79.1422%929
Assets per employee ($millions)3.4796%4,673
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.0916%3,251
Loan loss allowance to noncurrent loans44.3387%4,117
Noncurrent assets plus other real estate owned to assets3.9716%82
Noncurrent loans to loans2.4621%428
Net loans and leases to total assets66.5771%2,440
Net loans and leases to deposits75.3564%2,810
Net loans and leases to core deposits77.0062%3,095
Total domestic deposits to total assets88.3496%1,031
Equity capital to assets11.4881%2,016
Core capital (leverage) ratio11.2656%1,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$169,363,2503,183
Average earning assets$158,434,2503,166
Average equity$19,711,0003,215
Average total loans$116,236,5003,026
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9909%835
Cost of funding earning assets0.4680%3,710
Net interest margin4.5230%480
Noninterest income to average assets0.6852%1,792
Noninterest expense to average assets4.1341%352
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.7728%3,147
Return on assets (ROA)0.7728%3,260
Pretax return on assets0.7728%3,666
Return on Equity (ROE)6.6100%3,286
Retained earnings to average equity (ytd only)6.6100%1,822
Net charge-offs to loans0.1320%1,055
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)8.4737%2,284
Efficiency ratio84.2504%628
Assets per employee ($millions)3.4254%4,699
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0473%3,330
Loan loss allowance to noncurrent loans37.9248%4,264
Noncurrent assets plus other real estate owned to assets4.4594%66
Noncurrent loans to loans2.7616%386
Net loans and leases to total assets66.8873%2,511
Net loans and leases to deposits75.4140%2,929
Net loans and leases to core deposits77.1801%3,181
Total domestic deposits to total assets88.6935%866
Equity capital to assets11.1257%2,233
Core capital (leverage) ratio11.0374%1,927
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$166,663,6673,184
Average earning assets$155,562,0003,176
Average equity$19,485,6673,224
Average total loans$115,164,3333,032
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2834%567
Cost of funding earning assets0.4998%3,949
Net interest margin4.7836%282
Noninterest income to average assets0.5070%2,516
Noninterest expense to average assets4.0861%459
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.9171%2,461
Return on assets (ROA)0.9171%2,571
Pretax return on assets0.9171%3,088
Return on Equity (ROE)7.6398%2,659
Retained earnings to average equity (ytd only)7.6398%1,333
Net charge-offs to loans0.2879%509
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)4.5556%2,127
Efficiency ratio81.6692%998
Assets per employee ($millions)3.0845%4,755
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1313%3,039
Loan loss allowance to noncurrent loans46.8832%4,140
Noncurrent assets plus other real estate owned to assets4.7040%72
Noncurrent loans to loans2.4131%510
Net loans and leases to total assets68.4340%2,482
Net loans and leases to deposits78.0738%2,878
Net loans and leases to core deposits80.1279%3,186
Total domestic deposits to total assets87.6529%1,249
Equity capital to assets12.1781%1,939
Core capital (leverage) ratio11.9546%1,768
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$160,936,0003,206
Average earning assets$151,267,0003,178
Average equity$19,320,0003,237
Average total loans$112,546,5003,048
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4701%591
Cost of funding earning assets0.5398%3,921
Net interest margin4.9302%307
Noninterest income to average assets0.5967%2,238
Noninterest expense to average assets4.3158%369
Loan and lease loss provision to assets0.1056%1,963
Net operating income to assets0.7874%3,593
Return on assets (ROA)0.7874%3,673
Pretax return on assets0.7874%3,997
Return on Equity (ROE)7.1629%3,495
Retained earnings to average equity (ytd only)7.1629%1,326
Net charge-offs to loans0.3320%625
Credit loss provision to net charge-offs44.1919%3,169
Earnings coverage of net charge-offs (x)3.7374%3,290
Efficiency ratio82.8565%742
Assets per employee ($millions)3.1053%4,761
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.1721%2,583
Loan loss allowance to noncurrent loans48.9923%4,112
Noncurrent assets plus other real estate owned to assets4.8552%67
Noncurrent loans to loans2.3923%478
Net loans and leases to total assets69.8151%2,429
Net loans and leases to deposits79.3457%2,858
Net loans and leases to core deposits81.5533%3,172
Total domestic deposits to total assets87.9885%1,131
Equity capital to assets11.8326%2,257
Core capital (leverage) ratio11.2659%2,281
Tier 1 risk-based capital ratio16.2703%2,305
Total risk-based capital ratio17.4316%2,286
Memoranda:
Average total assets$165,739,4003,144
Average earning assets$155,044,2003,136
Average equity$18,218,8003,318
Average total loans$119,259,4002,950
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4736%613
Cost of funding earning assets0.5454%3,959
Net interest margin4.9282%329
Noninterest income to average assets0.7274%1,674
Noninterest expense to average assets4.3275%355
Loan and lease loss provision to assets0.0799%2,310
Net operating income to assets0.9280%3,240
Return on assets (ROA)0.9280%3,314
Pretax return on assets0.9280%3,797
Return on Equity (ROE)8.6013%3,055
Retained earnings to average equity (ytd only)8.6013%1,170
Net charge-offs to loans0.2732%644
Credit loss provision to net charge-offs40.4858%2,854
Earnings coverage of net charge-offs (x)5.1052%2,950
Efficiency ratio81.1086%823
Assets per employee ($millions)3.0918%4,843
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.1973%2,522
Loan loss allowance to noncurrent loans42.0316%4,304
Noncurrent assets plus other real estate owned to assets5.7473%54
Noncurrent loans to loans2.8487%366
Net loans and leases to total assets71.0534%2,313
Net loans and leases to deposits80.4518%2,854
Net loans and leases to core deposits82.8198%3,190
Total domestic deposits to total assets88.3180%907
Equity capital to assets11.4495%2,699
Core capital (leverage) ratio11.1894%2,479
Tier 1 risk-based capital ratio16.4044%2,300
Total risk-based capital ratio17.6543%2,234
Memoranda:
Average total assets$166,804,7503,163
Average earning assets$155,968,2503,155
Average equity$17,996,7503,361
Average total loans$120,556,0002,970
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3794%704
Cost of funding earning assets0.5485%3,880
Net interest margin4.8309%387
Noninterest income to average assets0.5698%2,287
Noninterest expense to average assets4.3341%361
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.7498%3,829
Return on assets (ROA)0.7498%3,895
Pretax return on assets0.7498%4,219
Return on Equity (ROE)7.0907%3,642
Retained earnings to average equity (ytd only)7.0907%1,764
Net charge-offs to loans-0.0296%4,674
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.2521%583
Assets per employee ($millions)3.0319%4,883
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.3076%1,983
Loan loss allowance to noncurrent loans31.2748%4,532
Noncurrent assets plus other real estate owned to assets6.8652%42
Noncurrent loans to loans4.1810%166
Net loans and leases to total assets71.2872%2,324
Net loans and leases to deposits80.2066%2,928
Net loans and leases to core deposits82.3576%3,246
Total domestic deposits to total assets88.8795%715
Equity capital to assets10.9364%3,142
Core capital (leverage) ratio10.7487%2,838
Tier 1 risk-based capital ratio15.8164%2,494
Total risk-based capital ratio17.0681%2,425
Memoranda:
Average total assets$167,784,0003,179
Average earning assets$156,783,0003,159
Average equity$17,741,6703,388
Average total loans$121,460,0002,971
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2005%912
Cost of funding earning assets0.5685%3,742
Net interest margin4.6320%569
Noninterest income to average assets0.8390%1,192
Noninterest expense to average assets4.2924%366
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8651%3,378
Return on assets (ROA)0.8651%3,426
Pretax return on assets0.8651%3,879
Return on Equity (ROE)8.3229%3,105
Retained earnings to average equity (ytd only)8.3229%1,542
Net charge-offs to loans0.0098%2,336
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)121.3333%584
Efficiency ratio83.2258%771
Assets per employee ($millions)2.8245%5,060
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2771%2,203
Loan loss allowance to noncurrent loans31.7088%4,600
Noncurrent assets plus other real estate owned to assets7.2260%32
Noncurrent loans to loans4.0276%187
Net loans and leases to total assets72.1305%2,134
Net loans and leases to deposits80.9149%2,738
Net loans and leases to core deposits82.7823%3,122
Total domestic deposits to total assets89.1436%794
Equity capital to assets10.6944%3,170
Core capital (leverage) ratio10.4504%3,109
Tier 1 risk-based capital ratio15.0935%2,842
Total risk-based capital ratio16.3446%2,756
Memoranda:
Average total assets$168,298,5003,207
Average earning assets$156,907,0003,195
Average equity$17,494,0003,419
Average total loans$121,965,0002,995
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3646%517
Cost of funding earning assets0.4936%3,400
Net interest margin4.8710%342
Noninterest income to average assets0.4049%3,412
Noninterest expense to average assets4.0195%518
Loan and lease loss provision to assets0.4525%282
Net operating income to assets0.3985%4,868
Return on assets (ROA)0.3985%4,862
Pretax return on assets0.3985%4,935
Return on Equity (ROE)4.0542%4,698
Retained earnings to average equity (ytd only)4.0542%3,335
Net charge-offs to loans0.5433%325
Credit loss provision to net charge-offs113.8686%2,278
Earnings coverage of net charge-offs (x)2.1416%3,554
Efficiency ratio82.5274%744
Assets per employee ($millions)2.8805%5,058
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.2753%2,165
Loan loss allowance to noncurrent loans30.4713%4,635
Noncurrent assets plus other real estate owned to assets7.2263%36
Noncurrent loans to loans4.1851%172
Net loans and leases to total assets70.9701%2,423
Net loans and leases to deposits81.2510%2,825
Net loans and leases to core deposits82.9788%3,183
Total domestic deposits to total assets87.3468%1,616
Equity capital to assets10.1007%3,572
Core capital (leverage) ratio9.8108%3,783
Tier 1 risk-based capital ratio14.3175%3,162
Total risk-based capital ratio15.5682%3,071
Memoranda:
Average total assets$172,386,0003,147
Average earning assets$158,036,4003,159
Average equity$16,945,2003,400
Average total loans$126,073,6002,924
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2922%532
Cost of funding earning assets0.4776%3,345
Net interest margin4.8146%369
Noninterest income to average assets0.5087%2,819
Noninterest expense to average assets3.9129%580
Loan and lease loss provision to assets0.4856%237
Net operating income to assets0.5079%4,745
Return on assets (ROA)0.5079%4,747
Pretax return on assets0.5079%4,893
Return on Equity (ROE)5.2021%4,497
Retained earnings to average equity (ytd only)5.2021%3,114
Net charge-offs to loans0.6979%206
Credit loss provision to net charge-offs94.7368%2,367
Earnings coverage of net charge-offs (x)1.9384%3,298
Efficiency ratio79.7518%963
Assets per employee ($millions)3.1126%4,953
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.1156%3,103
Loan loss allowance to noncurrent loans33.0707%4,694
Noncurrent assets plus other real estate owned to assets7.0059%44
Noncurrent loans to loans3.3733%296
Net loans and leases to total assets70.0648%2,636
Net loans and leases to deposits79.4455%3,093
Net loans and leases to core deposits81.1468%3,395
Total domestic deposits to total assets88.1922%1,156
Equity capital to assets9.4304%4,152
Core capital (leverage) ratio10.0551%3,576
Tier 1 risk-based capital ratio14.0080%3,368
Total risk-based capital ratio15.1764%3,318
Memoranda:
Average total assets$172,995,2503,162
Average earning assets$158,015,2503,186
Average equity$16,890,0003,431
Average total loans$127,049,2502,944
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3630%416
Cost of funding earning assets0.4718%3,213
Net interest margin4.8912%310
Noninterest income to average assets0.8810%1,237
Noninterest expense to average assets3.9476%575
Loan and lease loss provision to assets0.6276%157
Net operating income to assets0.7449%4,050
Return on assets (ROA)0.7449%4,053
Pretax return on assets0.7449%4,404
Return on Equity (ROE)7.5393%3,701
Retained earnings to average equity (ytd only)7.5393%1,825
Net charge-offs to loans0.8299%160
Credit loss provision to net charge-offs101.7110%1,991
Earnings coverage of net charge-offs (x)2.2243%2,991
Efficiency ratio74.2007%1,681
Assets per employee ($millions)2.8828%5,171
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1295%3,099
Loan loss allowance to noncurrent loans35.7629%4,661
Noncurrent assets plus other real estate owned to assets8.7187%32
Noncurrent loans to loans3.1584%340
Net loans and leases to total assets75.7548%1,674
Net loans and leases to deposits86.6471%2,252
Net loans and leases to core deposits87.8595%2,730
Total domestic deposits to total assets87.4291%1,674
Equity capital to assets10.0369%3,585
Core capital (leverage) ratio10.0529%3,522
Tier 1 risk-based capital ratio13.6617%3,526
Total risk-based capital ratio14.8389%3,480
Memoranda:
Average total assets$170,482,6703,210
Average earning assets$154,727,6703,236
Average equity$16,845,0003,458
Average total loans$126,760,0002,955
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1903%496
Cost of funding earning assets0.4761%2,999
Net interest margin4.7142%397
Noninterest income to average assets1.1343%727
Noninterest expense to average assets3.6301%838
Loan and lease loss provision to assets1.0546%76
Net operating income to assets0.7195%4,033
Return on assets (ROA)0.7195%4,042
Pretax return on assets0.7195%4,386
Return on Equity (ROE)7.3392%3,652
Retained earnings to average equity (ytd only)7.3392%2,124
Net charge-offs to loans1.6162%84
Credit loss provision to net charge-offs89.1089%1,675
Earnings coverage of net charge-offs (x)1.4990%2,550
Efficiency ratio67.1726%2,975
Assets per employee ($millions)2.8184%5,279
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1184%3,274
Loan loss allowance to noncurrent loans43.9177%4,558
Noncurrent assets plus other real estate owned to assets8.4435%31
Noncurrent loans to loans2.5467%528
Net loans and leases to total assets72.4064%2,105
Net loans and leases to deposits82.5394%2,544
Net loans and leases to core deposits83.7399%3,005
Total domestic deposits to total assets87.7234%1,777
Equity capital to assets9.7714%3,819
Core capital (leverage) ratio9.8878%3,664
Tier 1 risk-based capital ratio13.5363%3,637
Total risk-based capital ratio14.6737%3,614
Memoranda:
Average total assets$170,682,5003,242
Average earning assets$154,597,5003,271
Average equity$16,732,0003,506
Average total loans$124,981,0003,000
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1463%488
Cost of funding earning assets0.5157%2,205
Net interest margin4.6307%469
Noninterest income to average assets0.8738%1,349
Noninterest expense to average assets4.0350%507
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9822%2,316
Return on assets (ROA)0.9822%2,354
Pretax return on assets0.9822%3,640
Return on Equity (ROE)10.7442%1,567
Retained earnings to average equity (ytd only)10.7442%270
Net charge-offs to loans0.1271%1,777
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)11.1307%2,602
Efficiency ratio80.4230%1,067
Assets per employee ($millions)2.8241%5,305
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.1791%2,902
Loan loss allowance to noncurrent loans32.4462%4,815
Noncurrent assets plus other real estate owned to assets9.5583%26
Noncurrent loans to loans3.6342%274
Net loans and leases to total assets72.3598%2,167
Net loans and leases to deposits82.6001%2,655
Net loans and leases to core deposits83.8193%3,069
Total domestic deposits to total assets87.6025%1,701
Equity capital to assets9.8350%3,885
Core capital (leverage) ratio9.3341%4,245
Tier 1 risk-based capital ratio12.9064%3,967
Total risk-based capital ratio14.0544%3,929
Memoranda:
Average total assets$173,383,0003,203
Average earning assets$155,139,2003,256
Average equity$15,850,4003,617
Average total loans$120,340,0003,059
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0604%544
Cost of funding earning assets0.5230%2,088
Net interest margin4.5374%553
Noninterest income to average assets0.9566%1,128
Noninterest expense to average assets3.8492%634
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.1607%1,840
Return on assets (ROA)1.1607%1,884
Pretax return on assets1.1607%3,062
Return on Equity (ROE)12.9353%1,073
Retained earnings to average equity (ytd only)12.9353%228
Net charge-offs to loans0.1105%1,687
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)15.3330%2,236
Efficiency ratio76.8315%1,480
Assets per employee ($millions)2.8588%5,351
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2508%2,641
Loan loss allowance to noncurrent loans35.1157%4,857
Noncurrent assets plus other real estate owned to assets9.9201%26
Noncurrent loans to loans3.5618%304
Net loans and leases to total assets68.6812%2,743
Net loans and leases to deposits78.0513%3,156
Net loans and leases to core deposits79.8881%3,461
Total domestic deposits to total assets87.9949%1,366
Equity capital to assets9.5238%4,422
Core capital (leverage) ratio9.4327%4,251
Tier 1 risk-based capital ratio13.4007%3,766
Total risk-based capital ratio14.6506%3,685
Memoranda:
Average total assets$174,367,5003,212
Average earning assets$155,768,5003,279
Average equity$15,646,7503,676
Average total loans$119,406,7503,094
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9950%566
Cost of funding earning assets0.5310%1,904
Net interest margin4.4640%620
Noninterest income to average assets0.6676%2,137
Noninterest expense to average assets3.8323%646
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.8178%3,313
Return on assets (ROA)0.8178%3,365
Pretax return on assets0.8178%4,207
Return on Equity (ROE)9.3042%2,361
Retained earnings to average equity (ytd only)9.3042%761
Net charge-offs to loans0.0152%2,942
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)79.2222%774
Efficiency ratio82.4124%967
Assets per employee ($millions)2.7587%5,440
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3454%2,201
Loan loss allowance to noncurrent loans37.3027%4,834
Noncurrent assets plus other real estate owned to assets10.3528%27
Noncurrent loans to loans3.6068%303
Net loans and leases to total assets67.7990%2,842
Net loans and leases to deposits76.6984%3,259
Net loans and leases to core deposits78.6399%3,537
Total domestic deposits to total assets88.3969%1,258
Equity capital to assets9.1065%4,798
Core capital (leverage) ratio8.8662%4,880
Tier 1 risk-based capital ratio12.8617%4,087
Total risk-based capital ratio14.1129%3,998
Memoranda:
Average total assets$174,362,0003,231
Average earning assets$155,556,6703,296
Average equity$15,326,3303,718
Average total loans$118,780,3303,110
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8804%652
Cost of funding earning assets0.5371%1,807
Net interest margin4.3433%714
Noninterest income to average assets0.8818%1,301
Noninterest expense to average assets3.9005%600
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.8520%2,986
Return on assets (ROA)0.8520%3,028
Pretax return on assets0.8520%3,933
Return on Equity (ROE)9.8700%2,017
Retained earnings to average equity (ytd only)9.8700%835
Net charge-offs to loans-0.0574%5,248
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.0723%1,153
Assets per employee ($millions)2.6830%5,549
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3961%2,094
Loan loss allowance to noncurrent loans36.7544%4,919
Noncurrent assets plus other real estate owned to assets10.5248%30
Noncurrent loans to loans3.7985%290
Net loans and leases to total assets66.1332%2,950
Net loans and leases to deposits74.5641%3,348
Net loans and leases to core deposits76.4431%3,614
Total domestic deposits to total assets88.6931%1,327
Equity capital to assets8.8269%4,975
Core capital (leverage) ratio8.7267%5,025
Tier 1 risk-based capital ratio12.8159%4,194
Total risk-based capital ratio14.0680%4,087
Memoranda:
Average total assets$174,643,5003,259
Average earning assets$155,643,5003,327
Average equity$15,076,0003,770
Average total loans$118,450,0003,135
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0032%587
Cost of funding earning assets0.5761%1,509
Net interest margin4.4271%728
Noninterest income to average assets0.8494%1,579
Noninterest expense to average assets4.0720%547
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6893%3,831
Return on assets (ROA)0.6893%3,943
Pretax return on assets0.6893%4,524
Return on Equity (ROE)8.3803%2,753
Retained earnings to average equity (ytd only)8.3803%743
Net charge-offs to loans-0.2686%5,782
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.5231%858
Assets per employee ($millions)2.7760%5,508
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.3474%2,312
Loan loss allowance to noncurrent loans30.4618%5,071
Noncurrent assets plus other real estate owned to assets11.0876%30
Noncurrent loans to loans4.4233%211
Net loans and leases to total assets67.6521%2,831
Net loans and leases to deposits75.9366%3,322
Net loans and leases to core deposits77.8344%3,580
Total domestic deposits to total assets89.0902%1,072
Equity capital to assets8.4385%5,316
Core capital (leverage) ratio8.2742%5,453
Tier 1 risk-based capital ratio12.0398%4,701
Total risk-based capital ratio13.2903%4,589
Memoranda:
Average total assets$174,237,6003,229
Average earning assets$153,961,0003,324
Average equity$14,331,2003,901
Average total loans$116,911,6003,113
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9838%625
Cost of funding earning assets0.5871%1,434
Net interest margin4.3966%785
Noninterest income to average assets0.6235%2,558
Noninterest expense to average assets3.9737%610
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5270%4,586
Return on assets (ROA)0.5323%4,669
Pretax return on assets0.5323%5,058
Return on Equity (ROE)6.5144%3,831
Retained earnings to average equity (ytd only)6.5144%1,904
Net charge-offs to loans-0.4063%5,869
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.2914%659
Assets per employee ($millions)2.6524%5,638
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.4055%2,175
Loan loss allowance to noncurrent loans27.9231%5,219
Noncurrent assets plus other real estate owned to assets12.0881%28
Noncurrent loans to loans5.0336%168
Net loans and leases to total assets67.3358%2,899
Net loans and leases to deposits75.6508%3,440
Net loans and leases to core deposits77.5618%3,702
Total domestic deposits to total assets89.0087%902
Equity capital to assets8.4833%5,540
Core capital (leverage) ratio8.2536%5,538
Tier 1 risk-based capital ratio11.7121%4,973
Total risk-based capital ratio12.9641%4,872
Memoranda:
Average total assets$174,074,7503,240
Average earning assets$153,508,5003,343
Average equity$14,224,5003,951
Average total loans$116,156,5003,137
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8729%768
Cost of funding earning assets0.5977%1,334
Net interest margin4.2751%976
Noninterest income to average assets0.6631%2,316
Noninterest expense to average assets3.9592%624
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4719%4,789
Return on assets (ROA)0.4719%4,885
Pretax return on assets0.4719%5,200
Return on Equity (ROE)5.8478%4,120
Retained earnings to average equity (ytd only)5.8478%2,215
Net charge-offs to loans-0.5916%5,957
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.3513%633
Assets per employee ($millions)2.6663%5,697
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.4093%2,249
Loan loss allowance to noncurrent loans20.0782%5,411
Noncurrent assets plus other real estate owned to assets13.7958%25
Noncurrent loans to loans7.0192%84
Net loans and leases to total assets67.3541%2,889
Net loans and leases to deposits75.6015%3,424
Net loans and leases to core deposits77.6559%3,671
Total domestic deposits to total assets89.0909%880
Equity capital to assets8.4080%5,652
Core capital (leverage) ratio7.9243%5,767
Tier 1 risk-based capital ratio11.3299%5,260
Total risk-based capital ratio12.5813%5,159
Memoranda:
Average total assets$174,630,0003,258
Average earning assets$153,913,3303,352
Average equity$14,090,6703,981
Average total loans$115,626,0003,149
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7507%946
Cost of funding earning assets0.6079%1,283
Net interest margin4.1428%1,228
Noninterest income to average assets0.6613%2,209
Noninterest expense to average assets3.8251%746
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.4937%4,652
Return on assets (ROA)0.4937%4,753
Pretax return on assets0.4937%5,100
Return on Equity (ROE)6.2455%3,860
Retained earnings to average equity (ytd only)6.2455%2,261
Net charge-offs to loans-0.0729%5,517
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.5684%770
Assets per employee ($millions)2.8528%5,642
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1735%3,644
Loan loss allowance to noncurrent loans14.7134%5,488
Noncurrent assets plus other real estate owned to assets13.6873%28
Noncurrent loans to loans7.9754%70
Net loans and leases to total assets62.9478%3,396
Net loans and leases to deposits70.2743%3,836
Net loans and leases to core deposits71.8697%4,068
Total domestic deposits to total assets89.5744%802
Equity capital to assets7.9911%5,828
Core capital (leverage) ratio7.7396%5,867
Tier 1 risk-based capital ratio11.4974%5,235
Total risk-based capital ratio12.6139%5,207
Memoranda:
Average total assets$176,622,0003,238
Average earning assets$155,934,0003,341
Average equity$13,962,0004,007
Average total loans$115,149,0003,158
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0750%539
Cost of funding earning assets0.8025%484
Net interest margin4.2725%1,017
Noninterest income to average assets1.1368%914
Noninterest expense to average assets3.9706%699
Loan and lease loss provision to assets0.0054%4,278
Net operating income to assets0.9261%2,723
Return on assets (ROA)0.9261%2,814
Pretax return on assets0.9261%3,743
Return on Equity (ROE)12.8987%1,079
Retained earnings to average equity (ytd only)12.8987%207
Net charge-offs to loans0.2993%1,007
Credit loss provision to net charge-offs2.8169%3,881
Earnings coverage of net charge-offs (x)4.8197%3,485
Efficiency ratio80.9973%1,535
Assets per employee ($millions)2.7593%5,733
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.9219%5,006
Loan loss allowance to noncurrent loans12.0946%5,544
Noncurrent assets plus other real estate owned to assets13.9737%32
Noncurrent loans to loans7.6228%81
Net loans and leases to total assets66.2705%2,948
Net loans and leases to deposits73.9416%3,504
Net loans and leases to core deposits75.8656%3,769
Total domestic deposits to total assets89.6255%788
Equity capital to assets7.9356%5,879
Core capital (leverage) ratio7.4474%5,985
Tier 1 risk-based capital ratio11.0189%5,515
Total risk-based capital ratio11.9000%5,621
Memoranda:
Average total assets$183,674,8003,122
Average earning assets$161,871,8003,230
Average equity$13,187,4004,101
Average total loans$118,601,4003,074
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9750%657
Cost of funding earning assets0.8297%424
Net interest margin4.1453%1,291
Noninterest income to average assets1.3100%707
Noninterest expense to average assets3.8444%796
Loan and lease loss provision to assets0.0072%4,112
Net operating income to assets1.1079%1,971
Return on assets (ROA)1.1079%2,050
Pretax return on assets1.1079%3,186
Return on Equity (ROE)15.8282%615
Retained earnings to average equity (ytd only)15.8282%132
Net charge-offs to loans0.5559%413
Credit loss provision to net charge-offs2.0202%3,511
Earnings coverage of net charge-offs (x)3.1334%3,550
Efficiency ratio77.5152%2,017
Assets per employee ($millions)2.8918%5,663
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.7869%5,553
Loan loss allowance to noncurrent loans10.8579%5,648
Noncurrent assets plus other real estate owned to assets13.6687%32
Noncurrent loans to loans7.2474%93
Net loans and leases to total assets65.6055%3,074
Net loans and leases to deposits74.2866%3,513
Net loans and leases to core deposits76.5235%3,736
Total domestic deposits to total assets88.3139%1,392
Equity capital to assets7.6818%6,043
Core capital (leverage) ratio7.4020%6,073
Tier 1 risk-based capital ratio10.8469%5,733
Total risk-based capital ratio11.6110%5,869
Memoranda:
Average total assets$185,444,5003,134
Average earning assets$163,265,0003,237
Average equity$12,980,7504,186
Average total loans$118,721,7503,095
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9918%604
Cost of funding earning assets0.8754%325
Net interest margin4.1164%1,312
Noninterest income to average assets0.6615%2,406
Noninterest expense to average assets3.8117%856
Loan and lease loss provision to assets0.0107%3,893
Net operating income to assets0.4643%4,924
Return on assets (ROA)0.4643%5,019
Pretax return on assets0.4643%5,316
Return on Equity (ROE)6.8498%3,704
Retained earnings to average equity (ytd only)6.8498%1,772
Net charge-offs to loans0.2776%950
Credit loss provision to net charge-offs6.0976%3,122
Earnings coverage of net charge-offs (x)2.7012%3,299
Efficiency ratio88.9195%835
Assets per employee ($millions)2.9910%5,603
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0792%4,444
Loan loss allowance to noncurrent loans12.8295%5,737
Noncurrent assets plus other real estate owned to assets14.7169%31
Noncurrent loans to loans8.4119%73
Net loans and leases to total assets64.3058%3,225
Net loans and leases to deposits72.2353%3,699
Net loans and leases to core deposits74.3831%3,921
Total domestic deposits to total assets89.0227%1,125
Equity capital to assets6.9866%6,195
Core capital (leverage) ratio6.4942%6,244
Tier 1 risk-based capital ratio10.0186%6,083
Total risk-based capital ratio11.0569%6,099
Memoranda:
Average total assets$186,531,6703,140
Average earning assets$164,269,6703,251
Average equity$12,642,6704,273
Average total loans$118,139,0003,122
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0564%524
Cost of funding earning assets0.8680%341
Net interest margin4.1884%1,086
Noninterest income to average assets0.7424%1,950
Noninterest expense to average assets3.7333%960
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7042%3,778
Return on assets (ROA)0.7042%3,904
Pretax return on assets0.7042%4,575
Return on Equity (ROE)10.5476%1,781
Retained earnings to average equity (ytd only)10.5476%802
Net charge-offs to loans0.3732%654
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)3.0182%2,664
Efficiency ratio84.1300%1,369
Assets per employee ($millions)3.0601%5,593
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1382%4,328
Loan loss allowance to noncurrent loans12.1312%5,785
Noncurrent assets plus other real estate owned to assets14.2911%32
Noncurrent loans to loans9.3823%70
Net loans and leases to total assets60.6148%3,567
Net loans and leases to deposits70.3153%3,721
Net loans and leases to core deposits72.2742%3,938
Total domestic deposits to total assets86.2043%2,826
Equity capital to assets6.7845%6,281
Core capital (leverage) ratio6.4746%6,302
Tier 1 risk-based capital ratio9.7882%6,222
Total risk-based capital ratio10.8461%6,229
Memoranda:
Average total assets$188,572,5003,133
Average earning assets$166,364,5003,229
Average equity$12,590,5004,306
Average total loans$117,905,5003,127
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6885%1,336
Cost of funding earning assets0.9240%335
Net interest margin3.7645%2,752
Noninterest income to average assets2.1412%308
Noninterest expense to average assets3.9599%791
Loan and lease loss provision to assets0.0586%3,367
Net operating income to assets1.4606%958
Return on assets (ROA)1.4606%992
Pretax return on assets1.4606%1,690
Return on Equity (ROE)25.4015%97
Retained earnings to average equity (ytd only)25.4015%36
Net charge-offs to loans1.1525%238
Credit loss provision to net charge-offs8.1042%4,126
Earnings coverage of net charge-offs (x)2.0999%4,244
Efficiency ratio72.2721%3,159
Assets per employee ($millions)2.9749%5,733
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.2002%3,995
Loan loss allowance to noncurrent loans13.5092%5,900
Noncurrent assets plus other real estate owned to assets14.1981%41
Noncurrent loans to loans8.8840%88
Net loans and leases to total assets62.9877%3,364
Net loans and leases to deposits72.9665%3,558
Net loans and leases to core deposits74.9007%3,827
Total domestic deposits to total assets86.3242%2,655
Equity capital to assets6.5676%6,373
Core capital (leverage) ratio6.1885%6,393
Tier 1 risk-based capital ratio9.5924%6,341
Total risk-based capital ratio10.7467%6,328
Memoranda:
Average total assets$191,016,2003,092
Average earning assets$169,370,8003,167
Average equity$10,983,6004,564
Average total loans$119,909,4003,046
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6789%1,360
Cost of funding earning assets0.9301%343
Net interest margin3.7487%2,820
Noninterest income to average assets2.5260%239
Noninterest expense to average assets3.8148%953
Loan and lease loss provision to assets0.0778%2,786
Net operating income to assets1.9626%370
Return on assets (ROA)1.9626%380
Pretax return on assets1.9626%621
Return on Equity (ROE)35.3594%40
Retained earnings to average equity (ytd only)35.3594%20
Net charge-offs to loans0.9565%325
Credit loss provision to net charge-offs13.0081%3,674
Earnings coverage of net charge-offs (x)3.4112%3,663
Efficiency ratio65.1519%4,343
Assets per employee ($millions)3.0664%5,652
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.6868%2,012
Loan loss allowance to noncurrent loans17.9062%5,957
Noncurrent assets plus other real estate owned to assets14.5527%40
Noncurrent loans to loans9.4203%88
Net loans and leases to total assets59.9339%3,798
Net loans and leases to deposits69.2239%4,004
Net loans and leases to core deposits71.1336%4,234
Total domestic deposits to total assets86.5798%2,539
Equity capital to assets6.4177%6,453
Core capital (leverage) ratio6.3023%6,453
Tier 1 risk-based capital ratio9.8933%6,368
Total risk-based capital ratio11.1482%6,339
Memoranda:
Average total assets$191,915,5003,104
Average earning assets$170,436,0003,179
Average equity$10,652,2504,658
Average total loans$120,015,5003,053
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5645%1,631
Cost of funding earning assets0.9348%343
Net interest margin3.6297%3,233
Noninterest income to average assets3.5208%160
Noninterest expense to average assets3.7046%1,130
Loan and lease loss provision to assets0.1164%2,096
Net operating income to assets2.9348%96
Return on assets (ROA)2.9348%99
Pretax return on assets2.9348%121
Return on Equity (ROE)55.7419%18
Retained earnings to average equity (ytd only)55.7419%10
Net charge-offs to loans0.4860%824
Credit loss provision to net charge-offs37.9661%2,950
Earnings coverage of net charge-offs (x)9.9559%2,295
Efficiency ratio54.8362%5,844
Assets per employee ($millions)3.0230%5,725
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.0905%1,195
Loan loss allowance to noncurrent loans17.3288%6,024
Noncurrent assets plus other real estate owned to assets15.0531%36
Noncurrent loans to loans12.0635%46
Net loans and leases to total assets61.0299%3,557
Net loans and leases to deposits70.3127%3,784
Net loans and leases to core deposits72.1896%4,034
Total domestic deposits to total assets86.7979%2,578
Equity capital to assets6.2961%6,508
Core capital (leverage) ratio6.1872%6,517
Tier 1 risk-based capital ratio9.7497%6,460
Total risk-based capital ratio11.0100%6,440
Memoranda:
Average total assets$192,515,3303,117
Average earning assets$171,584,3303,181
Average equity$10,136,0004,771
Average total loans$121,387,6703,039
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5950%1,521
Cost of funding earning assets0.9442%351
Net interest margin3.6508%3,056
Noninterest income to average assets0.4916%3,480
Noninterest expense to average assets3.4014%1,700
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.3437%5,336
Return on assets (ROA)0.3437%5,397
Pretax return on assets0.3437%5,610
Return on Equity (ROE)7.2420%3,330
Retained earnings to average equity (ytd only)7.2420%1,924
Net charge-offs to loans0.5091%725
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)1.0645%3,193
Efficiency ratio90.8231%966
Assets per employee ($millions)3.0767%5,732
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.1293%1,276
Loan loss allowance to noncurrent loans16.0043%6,130
Noncurrent assets plus other real estate owned to assets16.0493%34
Noncurrent loans to loans13.3047%53
Net loans and leases to total assets60.4440%3,486
Net loans and leases to deposits68.4732%3,806
Net loans and leases to core deposits70.4796%4,037
Total domestic deposits to total assets88.2740%2,068
Equity capital to assets4.8041%6,647
Core capital (leverage) ratio4.8329%6,650
Tier 1 risk-based capital ratio7.6410%6,636
Total risk-based capital ratio8.9014%6,637
Memoranda:
Average total assets$192,038,5003,137
Average earning assets$171,142,0003,209
Average equity$9,113,5005,022
Average total loans$121,784,0003,038
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5235%2,118
Cost of funding earning assets0.9958%450
Net interest margin3.5277%3,773
Noninterest income to average assets-0.1234%6,729
Noninterest expense to average assets3.8464%1,062
Loan and lease loss provision to assets0.1003%3,130
Net operating income to assets-0.8925%6,585
Return on assets (ROA)-0.8925%6,588
Pretax return on assets-0.8925%6,573
Return on Equity (ROE)-19.3567%6,681
Retained earnings to average equity (ytd only)-19.3567%6,662
Net charge-offs to loans0.9251%655
Credit loss provision to net charge-offs16.5426%4,506
Earnings coverage of net charge-offs (x)-1.3060%5,287
Efficiency ratio125.9363%143
Assets per employee ($millions)2.9725%5,868
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.1831%1,199
Loan loss allowance to noncurrent loans15.4709%6,236
Noncurrent assets plus other real estate owned to assets16.6298%34
Noncurrent loans to loans14.1113%47
Net loans and leases to total assets63.6838%3,100
Net loans and leases to deposits72.1442%3,504
Net loans and leases to core deposits74.2966%3,811
Total domestic deposits to total assets88.2729%2,021
Equity capital to assets4.6861%6,707
Core capital (leverage) ratio4.6856%6,728
Tier 1 risk-based capital ratio7.3602%6,720
Total risk-based capital ratio8.6213%6,719
Memoranda:
Average total assets$199,328,2003,036
Average earning assets$179,551,6003,074
Average equity$9,190,6005,041
Average total loans$130,686,8002,849
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5492%2,041
Cost of funding earning assets1.0042%481
Net interest margin3.5450%3,685
Noninterest income to average assets-0.0357%6,784
Noninterest expense to average assets3.6150%1,370
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets-0.4497%6,579
Return on assets (ROA)-0.4497%6,593
Pretax return on assets-0.4497%6,579
Return on Equity (ROE)-9.7915%6,688
Retained earnings to average equity (ytd only)-9.7915%6,633
Net charge-offs to loans0.4250%1,505
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)-1.6114%5,055
Efficiency ratio114.2081%217
Assets per employee ($millions)3.1034%5,668
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.6056%828
Loan loss allowance to noncurrent loans16.1237%6,311
Noncurrent assets plus other real estate owned to assets17.6932%30
Noncurrent loans to loans16.1598%39
Net loans and leases to total assets62.9186%3,180
Net loans and leases to deposits70.9038%3,652
Net loans and leases to core deposits73.4573%3,911
Total domestic deposits to total assets88.7380%1,703
Equity capital to assets4.4441%6,800
Core capital (leverage) ratio4.4824%6,803
Tier 1 risk-based capital ratio6.9829%6,805
Total risk-based capital ratio8.2496%6,804
Memoranda:
Average total assets$201,599,5003,041
Average earning assets$182,033,7503,076
Average equity$9,259,5005,079
Average total loans$132,394,0002,830
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5594%1,994
Cost of funding earning assets1.0175%499
Net interest margin3.5419%3,598
Noninterest income to average assets-0.3605%6,892
Noninterest expense to average assets3.5388%1,521
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets-0.6924%6,690
Return on assets (ROA)-0.6924%6,704
Pretax return on assets-0.6924%6,686
Return on Equity (ROE)-14.9212%6,797
Retained earnings to average equity (ytd only)-14.9212%6,761
Net charge-offs to loans0.8674%718
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)-1.2093%4,728
Efficiency ratio124.3271%156
Assets per employee ($millions)3.0363%5,792
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.4230%1,067
Loan loss allowance to noncurrent loans14.8922%6,380
Noncurrent assets plus other real estate owned to assets16.9708%36
Noncurrent loans to loans16.2701%38
Net loans and leases to total assets63.8471%2,940
Net loans and leases to deposits71.9252%3,455
Net loans and leases to core deposits75.4989%3,607
Total domestic deposits to total assets88.7689%1,747
Equity capital to assets4.4512%6,852
Core capital (leverage) ratio4.3070%6,864
Tier 1 risk-based capital ratio6.8768%6,852
Total risk-based capital ratio8.1422%6,854
Memoranda:
Average total assets$203,627,3303,027
Average earning assets$184,364,6703,057
Average equity$9,449,6705,071
Average total loans$134,423,0002,797
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5741%1,913
Cost of funding earning assets1.0355%508
Net interest margin3.5386%3,533
Noninterest income to average assets0.4720%3,979
Noninterest expense to average assets3.6564%1,324
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.0155%6,315
Return on assets (ROA)0.0155%6,396
Pretax return on assets0.0155%6,384
Return on Equity (ROE)0.3271%6,366
Retained earnings to average equity (ytd only)0.3271%5,683
Net charge-offs to loans1.3220%428
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)0.0177%3,824
Efficiency ratio99.5785%563
Assets per employee ($millions)3.0695%5,873
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4214%1,213
Loan loss allowance to noncurrent loans15.5405%6,431
Noncurrent assets plus other real estate owned to assets17.1034%53
Noncurrent loans to loans15.5813%66
Net loans and leases to total assets63.8603%2,735
Net loans and leases to deposits72.0796%3,176
Net loans and leases to core deposits75.7149%3,361
Total domestic deposits to total assets88.5969%1,936
Equity capital to assets4.8781%6,898
Core capital (leverage) ratio4.5573%6,903
Tier 1 risk-based capital ratio7.1447%6,891
Total risk-based capital ratio8.4139%6,892
Memoranda:
Average total assets$206,760,0003,019
Average earning assets$186,966,0003,056
Average equity$9,782,0005,041
Average total loans$137,065,0002,777
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0554%1,418
Cost of funding earning assets1.2087%554
Net interest margin3.8466%3,036
Noninterest income to average assets0.2267%5,822
Noninterest expense to average assets3.5692%1,682
Loan and lease loss provision to assets0.8099%596
Net operating income to assets-0.6507%6,630
Return on assets (ROA)-0.6507%6,662
Pretax return on assets-0.6507%6,636
Return on Equity (ROE)-14.5813%6,819
Retained earnings to average equity (ytd only)-14.5813%6,769
Net charge-offs to loans4.5711%44
Credit loss provision to net charge-offs24.7264%5,206
Earnings coverage of net charge-offs (x)0.0486%5,467
Efficiency ratio95.7303%719
Assets per employee ($millions)2.9277%6,114
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.6609%964
Loan loss allowance to noncurrent loans19.1165%6,413
Noncurrent assets plus other real estate owned to assets16.1894%65
Noncurrent loans to loans13.9194%104
Net loans and leases to total assets65.3434%2,643
Net loans and leases to deposits73.4846%3,176
Net loans and leases to core deposits79.6381%3,057
Total domestic deposits to total assets88.9212%1,616
Equity capital to assets4.5857%6,974
Core capital (leverage) ratio4.2207%6,976
Tier 1 risk-based capital ratio6.5363%6,972
Total risk-based capital ratio7.8066%6,974
Memoranda:
Average total assets$214,841,0002,887
Average earning assets$195,574,6002,889
Average equity$9,587,6005,083
Average total loans$153,946,2002,516
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1667%1,262
Cost of funding earning assets1.2397%576
Net interest margin3.9270%2,813
Noninterest income to average assets0.2542%5,750
Noninterest expense to average assets3.4917%1,783
Loan and lease loss provision to assets1.0711%367
Net operating income to assets-0.7264%6,786
Return on assets (ROA)-0.7264%6,812
Pretax return on assets-0.7264%6,787
Return on Equity (ROE)-16.3859%6,948
Retained earnings to average equity (ytd only)-16.3859%6,927
Net charge-offs to loans4.6782%51
Credit loss provision to net charge-offs31.4761%4,777
Earnings coverage of net charge-offs (x)0.1013%5,287
Efficiency ratio91.0141%960
Assets per employee ($millions)3.0161%6,025
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.5316%455
Loan loss allowance to noncurrent loans26.5737%6,284
Noncurrent assets plus other real estate owned to assets15.8403%78
Noncurrent loans to loans13.2896%126
Net loans and leases to total assets67.5639%2,356
Net loans and leases to deposits75.8843%3,000
Net loans and leases to core deposits81.9648%2,966
Total domestic deposits to total assets89.0355%1,406
Equity capital to assets4.6029%7,070
Core capital (leverage) ratio4.2171%7,078
Tier 1 risk-based capital ratio6.3231%7,078
Total risk-based capital ratio7.6032%7,077
Memoranda:
Average total assets$216,585,0002,900
Average earning assets$197,566,2502,890
Average equity$9,601,5005,129
Average total loans$157,548,0002,486
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1242%1,442
Cost of funding earning assets1.2585%624
Net interest margin3.8657%3,061
Noninterest income to average assets0.1291%6,542
Noninterest expense to average assets3.3772%2,082
Loan and lease loss provision to assets1.5934%219
Net operating income to assets-1.3086%6,981
Return on assets (ROA)-1.3086%7,000
Pretax return on assets-1.3086%6,975
Return on Equity (ROE)-29.8871%7,101
Retained earnings to average equity (ytd only)-29.8871%7,089
Net charge-offs to loans6.0221%35
Credit loss provision to net charge-offs35.9430%4,342
Earnings coverage of net charge-offs (x)0.0642%5,050
Efficiency ratio92.2231%919
Assets per employee ($millions)3.2181%5,612
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.8521%383
Loan loss allowance to noncurrent loans24.6970%6,377
Noncurrent assets plus other real estate owned to assets16.9784%69
Noncurrent loans to loans15.5976%89
Net loans and leases to total assets68.4025%2,213
Net loans and leases to deposits76.5167%2,913
Net loans and leases to core deposits84.0084%2,687
Total domestic deposits to total assets89.3955%1,277
Equity capital to assets4.2706%7,128
Core capital (leverage) ratio4.0209%7,133
Tier 1 risk-based capital ratio5.8687%7,132
Total risk-based capital ratio7.1523%7,131
Memoranda:
Average total assets$218,404,6702,886
Average earning assets$199,601,3302,873
Average equity$9,562,6705,143
Average total loans$160,775,0002,455
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2234%1,266
Cost of funding earning assets1.2884%661
Net interest margin3.9350%2,786
Noninterest income to average assets0.2948%5,511
Noninterest expense to average assets3.4504%1,874
Loan and lease loss provision to assets2.6661%89
Net operating income to assets-2.2257%7,171
Return on assets (ROA)-2.2257%7,174
Pretax return on assets-2.2257%7,156
Return on Equity (ROE)-50.2259%7,229
Retained earnings to average equity (ytd only)-50.2259%7,216
Net charge-offs to loans7.4715%36
Credit loss provision to net charge-offs47.6888%3,319
Earnings coverage of net charge-offs (x)0.0788%4,328
Efficiency ratio88.6810%1,209
Assets per employee ($millions)3.2644%5,633
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.5910%237
Loan loss allowance to noncurrent loans33.8702%5,974
Noncurrent assets plus other real estate owned to assets15.6348%95
Noncurrent loans to loans13.5546%150
Net loans and leases to total assets70.3411%1,700
Net loans and leases to deposits78.5608%2,404
Net loans and leases to core deposits86.3485%2,249
Total domestic deposits to total assets89.5372%1,346
Equity capital to assets4.2246%7,171
Core capital (leverage) ratio4.0673%7,171
Tier 1 risk-based capital ratio5.8415%7,180
Total risk-based capital ratio7.1361%7,180
Memoranda:
Average total assets$219,799,5002,896
Average earning assets$200,866,5002,888
Average equity$9,740,0005,108
Average total loans$164,465,0002,422
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4839%1,202
Cost of funding earning assets1.7084%312
Net interest margin3.7756%3,946
Noninterest income to average assets-0.1695%7,148
Noninterest expense to average assets3.0274%3,494
Loan and lease loss provision to assets4.2424%42
Net operating income to assets-3.9522%7,251
Return on assets (ROA)-3.6184%7,233
Pretax return on assets-3.6184%7,242
Return on Equity (ROE)-58.2502%7,237
Retained earnings to average equity (ytd only)-58.2502%7,237
Net charge-offs to loans3.5567%209
Credit loss provision to net charge-offs159.0978%1,742
Earnings coverage of net charge-offs (x)0.1088%5,754
Efficiency ratio90.9478%1,118
Assets per employee ($millions)2.9849%6,117
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans5.3734%143
Loan loss allowance to noncurrent loans42.7055%5,446
Noncurrent assets plus other real estate owned to assets14.8672%126
Noncurrent loans to loans12.5824%193
Net loans and leases to total assets71.8343%1,674
Net loans and leases to deposits80.4369%2,441
Net loans and leases to core deposits88.6691%2,300
Total domestic deposits to total assets89.3051%1,365
Equity capital to assets4.6360%7,189
Core capital (leverage) ratio4.4432%7,179
Tier 1 risk-based capital ratio6.7106%7,174
Total risk-based capital ratio8.0184%7,174
Memoranda:
Average total assets$247,734,4002,544
Average earning assets$228,813,4002,520
Average equity$15,388,8003,838
Average total loans$185,734,0002,172
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4704%1,335
Cost of funding earning assets1.6027%576
Net interest margin3.8677%3,529
Noninterest income to average assets-0.3170%7,302
Noninterest expense to average assets3.0203%3,482
Loan and lease loss provision to assets3.8461%64
Net operating income to assets-3.6035%7,307
Return on assets (ROA)-3.6093%7,311
Pretax return on assets-3.6093%7,309
Return on Equity (ROE)-55.0718%7,307
Retained earnings to average equity (ytd only)-55.0718%7,303
Net charge-offs to loans3.9001%180
Credit loss provision to net charge-offs131.8958%2,416
Earnings coverage of net charge-offs (x)0.0832%5,544
Efficiency ratio92.2595%1,014
Assets per employee ($millions)3.0652%5,978
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.9163%422
Loan loss allowance to noncurrent loans34.1132%6,013
Noncurrent assets plus other real estate owned to assets13.6461%171
Noncurrent loans to loans11.4803%258
Net loans and leases to total assets71.5393%1,811
Net loans and leases to deposits83.3198%2,125
Net loans and leases to core deposits93.7351%1,815
Total domestic deposits to total assets85.8612%3,295
Equity capital to assets5.4394%7,231
Core capital (leverage) ratio4.7490%7,257
Tier 1 risk-based capital ratio6.7739%7,260
Total risk-based capital ratio8.0583%7,261
Memoranda:
Average total assets$254,447,5002,489
Average earning assets$235,515,2502,456
Average equity$16,676,0003,631
Average total loans$190,247,7502,149
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4089%1,533
Cost of funding earning assets1.6395%594
Net interest margin3.7694%3,941
Noninterest income to average assets0.1228%6,717
Noninterest expense to average assets2.8290%4,315
Loan and lease loss provision to assets2.3715%226
Net operating income to assets-1.5803%7,119
Return on assets (ROA)-1.5887%7,133
Pretax return on assets-1.5887%7,095
Return on Equity (ROE)-23.0572%7,179
Retained earnings to average equity (ytd only)-23.0572%7,167
Net charge-offs to loans1.4619%1,025
Credit loss provision to net charge-offs216.6900%1,375
Earnings coverage of net charge-offs (x)0.7230%4,750
Efficiency ratio77.8885%2,731
Assets per employee ($millions)3.2045%5,632
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.6144%554
Loan loss allowance to noncurrent loans27.1666%6,419
Noncurrent assets plus other real estate owned to assets14.3832%165
Noncurrent loans to loans13.3046%192
Net loans and leases to total assets73.1774%1,559
Net loans and leases to deposits86.4215%1,728
Net loans and leases to core deposits97.1500%1,568
Total domestic deposits to total assets84.6750%4,037
Equity capital to assets6.9918%7,104
Core capital (leverage) ratio6.4415%7,134
Tier 1 risk-based capital ratio9.1171%7,161
Total risk-based capital ratio10.3985%7,158
Memoranda:
Average total assets$260,591,0002,451
Average earning assets$241,787,3302,409
Average equity$17,955,3303,421
Average total loans$195,088,0002,126
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4805%1,352
Cost of funding earning assets1.6938%568
Net interest margin3.7866%3,673
Noninterest income to average assets0.0508%7,131
Noninterest expense to average assets2.7288%4,723
Loan and lease loss provision to assets1.4803%438
Net operating income to assets-0.6385%6,888
Return on assets (ROA)-0.6624%6,903
Pretax return on assets-0.6624%6,854
Return on Equity (ROE)-9.6794%7,020
Retained earnings to average equity (ytd only)-9.6794%6,853
Net charge-offs to loans1.1158%1,244
Credit loss provision to net charge-offs178.3784%1,642
Earnings coverage of net charge-offs (x)1.0144%3,895
Efficiency ratio76.1725%3,133
Assets per employee ($millions)3.5218%4,943
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.8417%1,067
Loan loss allowance to noncurrent loans28.1806%6,401
Noncurrent assets plus other real estate owned to assets11.5337%296
Noncurrent loans to loans10.0840%401
Net loans and leases to total assets72.7063%1,572
Net loans and leases to deposits87.4663%1,521
Net loans and leases to core deposits98.3530%1,486
Total domestic deposits to total assets83.1250%4,879
Equity capital to assets7.0189%7,077
Core capital (leverage) ratio6.6530%7,131
Tier 1 risk-based capital ratio9.4525%7,154
Total risk-based capital ratio10.7232%7,157
Memoranda:
Average total assets$267,513,0002,407
Average earning assets$248,664,5002,359
Average equity$18,307,0003,355
Average total loans$198,965,0002,119
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6350%1,783
Cost of funding earning assets1.9002%841
Net interest margin3.7348%4,208
Noninterest income to average assets0.0867%6,963
Noninterest expense to average assets2.6208%5,331
Loan and lease loss provision to assets3.9303%166
Net operating income to assets-2.9342%7,284
Return on assets (ROA)-2.6889%7,240
Pretax return on assets-2.6889%7,220
Return on Equity (ROE)-35.5878%7,294
Retained earnings to average equity (ytd only)-35.5878%7,285
Net charge-offs to loans4.7996%201
Credit loss provision to net charge-offs109.7030%4,021
Earnings coverage of net charge-offs (x)0.2780%5,830
Efficiency ratio72.2623%3,740
Assets per employee ($millions)3.7083%4,442
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.5169%1,393
Loan loss allowance to noncurrent loans29.2380%6,338
Noncurrent assets plus other real estate owned to assets9.8074%423
Noncurrent loans to loans8.6083%565
Net loans and leases to total assets72.0807%2,088
Net loans and leases to deposits85.8768%2,126
Net loans and leases to core deposits102.1779%1,439
Total domestic deposits to total assets83.9350%4,386
Equity capital to assets6.6767%7,217
Core capital (leverage) ratio6.2203%7,257
Tier 1 risk-based capital ratio9.2155%7,198
Total risk-based capital ratio10.4824%7,201
Memoranda:
Average total assets$295,140,4002,179
Average earning assets$278,970,2002,120
Average equity$22,299,8002,845
Average total loans$220,309,2001,968
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6863%1,756
Cost of funding earning assets1.9064%1,013
Net interest margin3.7800%4,057
Noninterest income to average assets0.1989%6,472
Noninterest expense to average assets2.6043%5,312
Loan and lease loss provision to assets4.1332%144
Net operating income to assets-2.9550%7,443
Return on assets (ROA)-2.8564%7,437
Pretax return on assets-2.8564%7,388
Return on Equity (ROE)-36.8265%7,465
Retained earnings to average equity (ytd only)-36.8265%7,462
Net charge-offs to loans3.2428%443
Credit loss provision to net charge-offs170.3880%2,179
Earnings coverage of net charge-offs (x)0.4857%5,537
Efficiency ratio68.6620%4,344
Assets per employee ($millions)4.3599%3,147
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.6660%479
Loan loss allowance to noncurrent loans46.3974%5,194
Noncurrent assets plus other real estate owned to assets7.7593%658
Noncurrent loans to loans7.9013%664
Net loans and leases to total assets67.2919%3,382
Net loans and leases to deposits79.3059%3,580
Net loans and leases to core deposits93.0564%2,653
Total domestic deposits to total assets84.8511%3,695
Equity capital to assets6.8166%7,378
Core capital (leverage) ratio6.4441%7,347
Tier 1 risk-based capital ratio9.5501%7,242
Total risk-based capital ratio10.8324%7,223
Memoranda:
Average total assets$300,321,5002,184
Average earning assets$284,723,0002,107
Average equity$23,294,2502,771
Average total loans$224,659,5001,960
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9301%1,106
Cost of funding earning assets1.9455%1,057
Net interest margin3.9846%3,091
Noninterest income to average assets0.3997%4,918
Noninterest expense to average assets2.7203%4,832
Loan and lease loss provision to assets3.2364%291
Net operating income to assets-1.7756%7,251
Return on assets (ROA)-1.7756%7,254
Pretax return on assets-1.7756%7,167
Return on Equity (ROE)-21.9685%7,318
Retained earnings to average equity (ytd only)-21.9685%7,303
Net charge-offs to loans2.2939%776
Credit loss provision to net charge-offs184.3618%2,138
Earnings coverage of net charge-offs (x)0.8321%4,938
Efficiency ratio64.9018%5,165
Assets per employee ($millions)3.7171%4,415
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.7842%1,012
Loan loss allowance to noncurrent loans56.1746%4,563
Noncurrent assets plus other real estate owned to assets5.4054%1,150
Noncurrent loans to loans4.9563%1,400
Net loans and leases to total assets74.6971%1,767
Net loans and leases to deposits89.7250%1,908
Net loans and leases to core deposits107.0586%1,368
Total domestic deposits to total assets83.2511%4,466
Equity capital to assets7.9343%6,826
Core capital (leverage) ratio7.3442%6,964
Tier 1 risk-based capital ratio10.1216%6,955
Total risk-based capital ratio11.3922%6,913
Memoranda:
Average total assets$297,244,3302,213
Average earning assets$282,086,6702,145
Average equity$24,025,3302,695
Average total loans$227,469,0001,961
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9703%1,032
Cost of funding earning assets1.9652%1,195
Net interest margin4.0051%2,854
Noninterest income to average assets0.3424%5,400
Noninterest expense to average assets2.8438%4,309
Loan and lease loss provision to assets2.8424%361
Net operating income to assets-1.5409%7,344
Return on assets (ROA)-1.5409%7,347
Pretax return on assets-1.5409%7,268
Return on Equity (ROE)-18.8942%7,417
Retained earnings to average equity (ytd only)-18.8942%7,345
Net charge-offs to loans1.1629%1,451
Credit loss provision to net charge-offs320.0301%1,244
Earnings coverage of net charge-offs (x)1.4654%3,860
Efficiency ratio68.4414%4,637
Assets per employee ($millions)3.6901%4,594
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.4498%1,360
Loan loss allowance to noncurrent loans49.1704%5,053
Noncurrent assets plus other real estate owned to assets5.3119%1,178
Noncurrent loans to loans4.9823%1,459
Net loans and leases to total assets73.8310%2,008
Net loans and leases to deposits88.7301%2,088
Net loans and leases to core deposits117.0259%902
Total domestic deposits to total assets83.2085%4,518
Equity capital to assets8.0995%6,540
Core capital (leverage) ratio7.6720%6,659
Tier 1 risk-based capital ratio10.5138%6,618
Total risk-based capital ratio11.7795%6,595
Memoranda:
Average total assets$299,041,5002,255
Average earning assets$283,937,5002,182
Average equity$24,388,5002,682
Average total loans$228,388,5002,004
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9862%1,923
Cost of funding earning assets2.3929%1,324
Net interest margin3.5933%4,574
Noninterest income to average assets0.2963%5,992
Noninterest expense to average assets2.7429%5,185
Loan and lease loss provision to assets0.9172%2,449
Net operating income to assets0.0416%5,357
Return on assets (ROA)-0.5241%6,203
Pretax return on assets-0.5241%6,028
Return on Equity (ROE)-6.7849%6,371
Retained earnings to average equity (ytd only)-7.5107%6,290
Net charge-offs to loans1.0524%2,304
Credit loss provision to net charge-offs116.9526%4,638
Earnings coverage of net charge-offs (x)1.2226%4,899
Efficiency ratio73.9161%3,912
Assets per employee ($millions)3.6937%4,532
Cash dividends to net income (ytd only)*-10.6968%7,615
Condition Ratios (%)
Loss allowance to loans1.7701%2,640
Loan loss allowance to noncurrent loans39.4872%5,778
Noncurrent assets plus other real estate owned to assets4.8929%1,275
Noncurrent loans to loans4.4826%1,587
Net loans and leases to total assets75.6971%1,880
Net loans and leases to deposits92.9563%1,740
Net loans and leases to core deposits141.8694%736
Total domestic deposits to total assets81.4330%5,181
Equity capital to assets8.2116%6,332
Core capital (leverage) ratio7.7322%6,523
Tier 1 risk-based capital ratio10.7116%6,192
Total risk-based capital ratio11.9685%6,165
Memoranda:
Average total assets$312,147,4002,152
Average earning assets$295,828,4002,100
Average equity$24,112,4002,711
Average total loans$232,615,4002,013
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0464%1,854
Cost of funding earning assets2.4420%1,483
Net interest margin3.6045%4,465
Noninterest income to average assets0.3065%6,026
Noninterest expense to average assets2.6578%5,497
Loan and lease loss provision to assets0.4845%3,479
Net operating income to assets0.5775%3,693
Return on assets (ROA)-0.1699%6,022
Pretax return on assets-0.1699%5,933
Return on Equity (ROE)-2.2334%6,125
Retained earnings to average equity (ytd only)-3.2057%5,978
Net charge-offs to loans0.1241%5,453
Credit loss provision to net charge-offs528.1106%743
Earnings coverage of net charge-offs (x)11.5759%1,840
Efficiency ratio71.4513%4,338
Assets per employee ($millions)4.7336%2,503
Cash dividends to net income (ytd only)*-43.5325%7,917
Condition Ratios (%)
Loss allowance to loans1.9225%1,973
Loan loss allowance to noncurrent loans89.3100%3,072
Noncurrent assets plus other real estate owned to assets2.6634%2,615
Noncurrent loans to loans2.1527%3,444
Net loans and leases to total assets71.7695%3,089
Net loans and leases to deposits85.0077%3,499
Net loans and leases to core deposits139.9893%915
Total domestic deposits to total assets84.4271%3,517
Equity capital to assets7.6459%7,195
Core capital (leverage) ratio7.7309%6,687
Tier 1 risk-based capital ratio10.1883%6,790
Total risk-based capital ratio11.4465%6,723
Memoranda:
Average total assets$315,387,5002,145
Average earning assets$298,659,0002,101
Average equity$23,998,5002,755
Average total loans$233,130,0002,034
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0912%1,819
Cost of funding earning assets2.5289%1,511
Net interest margin3.5624%4,529
Noninterest income to average assets0.3113%6,017
Noninterest expense to average assets2.7608%5,127
Loan and lease loss provision to assets0.3979%3,530
Net operating income to assets0.5083%4,053
Return on assets (ROA)-0.3125%6,353
Pretax return on assets-0.3125%6,244
Return on Equity (ROE)-4.1143%6,494
Retained earnings to average equity (ytd only)-5.5927%6,394
Net charge-offs to loans0.0709%5,515
Credit loss provision to net charge-offs756.0976%621
Earnings coverage of net charge-offs (x)17.2195%1,490
Efficiency ratio75.2888%3,830
Assets per employee ($millions)4.2870%3,142
Cash dividends to net income (ytd only)*-35.9343%7,986
Condition Ratios (%)
Loss allowance to loans1.7930%2,066
Loan loss allowance to noncurrent loans77.9529%3,590
Noncurrent assets plus other real estate owned to assets2.8688%2,235
Noncurrent loans to loans2.3001%3,139
Net loans and leases to total assets75.6512%2,268
Net loans and leases to deposits90.3638%2,775
Net loans and leases to core deposits141.6475%945
Total domestic deposits to total assets83.7185%3,911
Equity capital to assets7.6819%7,098
Core capital (leverage) ratio7.6980%6,761
Tier 1 risk-based capital ratio10.0923%6,828
Total risk-based capital ratio11.3485%6,749
Memoranda:
Average total assets$311,644,0002,187
Average earning assets$293,569,0002,148
Average equity$23,673,6702,794
Average total loans$231,171,0002,073
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9312%2,645
Cost of funding earning assets2.5750%1,638
Net interest margin3.3562%5,300
Noninterest income to average assets0.4390%4,881
Noninterest expense to average assets2.6389%5,276
Loan and lease loss provision to assets0.3806%3,039
Net operating income to assets0.5811%4,100
Return on assets (ROA)0.5811%4,294
Pretax return on assets0.5811%4,815
Return on Equity (ROE)7.6912%3,286
Retained earnings to average equity (ytd only)7.6912%1,932
Net charge-offs to loans-0.1429%7,964
Credit loss provision to net charge-offs-365.8537%6,352
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2911%3,950
Assets per employee ($millions)4.2927%3,092
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.7527%1,975
Loan loss allowance to noncurrent loans79.6850%3,682
Noncurrent assets plus other real estate owned to assets2.7461%2,068
Noncurrent loans to loans2.1995%2,976
Net loans and leases to total assets70.4794%3,576
Net loans and leases to deposits83.6781%4,028
Net loans and leases to core deposits131.7890%1,548
Total domestic deposits to total assets84.2268%3,588
Equity capital to assets7.6651%7,210
Core capital (leverage) ratio7.6502%6,950
Tier 1 risk-based capital ratio10.0823%6,824
Total risk-based capital ratio11.3372%6,739
Memoranda:
Average total assets$315,277,5002,183
Average earning assets$297,004,0002,140
Average equity$23,819,5002,790
Average total loans$229,522,0002,099
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0369%1,038
Cost of funding earning assets3.1496%1,354
Net interest margin3.8873%3,631
Noninterest income to average assets0.4270%5,241
Noninterest expense to average assets2.5263%5,903
Loan and lease loss provision to assets1.2553%1,139
Net operating income to assets0.3245%5,466
Return on assets (ROA)0.4166%4,901
Pretax return on assets0.4166%5,213
Return on Equity (ROE)5.4851%4,167
Retained earnings to average equity (ytd only)-1.0122%5,606
Net charge-offs to loans1.3000%923
Credit loss provision to net charge-offs128.0014%4,164
Earnings coverage of net charge-offs (x)1.6109%5,284
Efficiency ratio61.3477%6,098
Assets per employee ($millions)3.9565%3,607
Cash dividends to net income (ytd only)*118.4539%698
Condition Ratios (%)
Loss allowance to loans1.6073%2,215
Loan loss allowance to noncurrent loans66.7881%4,678
Noncurrent assets plus other real estate owned to assets2.7728%1,702
Noncurrent loans to loans2.4065%2,280
Net loans and leases to total assets72.7214%3,428
Net loans and leases to deposits87.1880%3,913
Net loans and leases to core deposits142.8350%1,139
Total domestic deposits to total assets83.4075%3,608
Equity capital to assets7.4403%7,437
Core capital (leverage) ratio7.5962%7,080
Tier 1 risk-based capital ratio9.4314%7,383
Total risk-based capital ratio10.6847%7,295
Memoranda:
Average total assets$288,764,4002,262
Average earning assets$273,303,6002,210
Average equity$21,932,0002,983
Average total loans$217,839,0002,151