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Muenster State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0556%3,767
Cost of funding earning assets0.1370%4,093
Net interest margin2.9186%3,399
Noninterest income to average assets0.3360%3,407
Noninterest expense to average assets1.6374%4,378
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.4727%1,078
Return on assets (ROA)1.5452%962
Pretax return on assets1.5452%1,588
Return on Equity (ROE)10.5611%2,319
Retained earnings to average equity (ytd only)3.6335%3,365
Net charge-offs to loans-0.3301%4,754
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.6479%4,067
Assets per employee ($millions)12.1546%381
Cash dividends to net income (ytd only)*65.5953%885
Condition Ratios (%)
Loss allowance to loans1.2521%2,615
Loan loss allowance to noncurrent loans70.0871%3,691
Noncurrent assets plus other real estate owned to assets0.4999%1,332
Noncurrent loans to loans1.7865%475
Net loans and leases to total assets27.6332%4,577
Net loans and leases to deposits31.9458%4,582
Net loans and leases to core deposits32.5315%4,594
Total domestic deposits to total assets86.5004%2,712
Equity capital to assets13.4585%777
Core capital (leverage) ratio13.3027%728
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$197,320,6003,085
Average earning assets$187,555,4003,047
Average equity$28,870,2002,604
Average total loans$56,349,8003,890
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9256%4,125
Cost of funding earning assets0.1430%4,171
Net interest margin2.7826%3,816
Noninterest income to average assets0.3282%3,465
Noninterest expense to average assets1.2527%4,775
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.7238%788
Return on assets (ROA)1.8216%665
Pretax return on assets1.8216%1,112
Return on Equity (ROE)12.1910%1,982
Retained earnings to average equity (ytd only)12.1910%798
Net charge-offs to loans-0.4430%4,830
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.0859%4,659
Assets per employee ($millions)11.9689%370
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.2575%2,691
Loan loss allowance to noncurrent loans67.9174%3,752
Noncurrent assets plus other real estate owned to assets0.5239%1,454
Noncurrent loans to loans1.8515%509
Net loans and leases to total assets27.9405%4,648
Net loans and leases to deposits33.2914%4,643
Net loans and leases to core deposits33.9300%4,653
Total domestic deposits to total assets83.9270%3,475
Equity capital to assets14.6816%600
Core capital (leverage) ratio14.4742%563
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$194,993,7503,141
Average earning assets$185,576,0003,096
Average equity$29,135,5002,619
Average total loans$55,981,7503,945
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9429%4,153
Cost of funding earning assets0.1458%4,239
Net interest margin2.7971%3,793
Noninterest income to average assets0.3164%3,534
Noninterest expense to average assets1.2479%4,806
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.7235%840
Return on assets (ROA)1.7984%755
Pretax return on assets1.7984%1,240
Return on Equity (ROE)11.9628%2,080
Retained earnings to average equity (ytd only)11.9628%928
Net charge-offs to loans0.0252%1,438
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)236.5714%452
Efficiency ratio41.9965%4,699
Assets per employee ($millions)11.4978%402
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8733%4,224
Loan loss allowance to noncurrent loans48.3167%3,975
Noncurrent assets plus other real estate owned to assets0.5623%1,484
Noncurrent loans to loans1.8074%573
Net loans and leases to total assets30.8377%4,624
Net loans and leases to deposits36.9284%4,613
Net loans and leases to core deposits37.7312%4,632
Total domestic deposits to total assets83.5068%3,575
Equity capital to assets15.0198%520
Core capital (leverage) ratio14.5153%534
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$192,167,6673,159
Average earning assets$182,406,3333,121
Average equity$28,889,6672,630
Average total loans$55,450,6673,980
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0819%3,924
Cost of funding earning assets0.1464%4,331
Net interest margin2.9355%3,424
Noninterest income to average assets0.3002%3,610
Noninterest expense to average assets1.2618%4,840
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.8161%759
Return on assets (ROA)1.9672%643
Pretax return on assets1.9672%1,002
Return on Equity (ROE)13.0795%1,655
Retained earnings to average equity (ytd only)13.0795%898
Net charge-offs to loans-0.0152%3,862
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9959%4,714
Assets per employee ($millions)10.2262%555
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0091%3,804
Loan loss allowance to noncurrent loans47.7032%4,017
Noncurrent assets plus other real estate owned to assets0.5826%1,634
Noncurrent loans to loans2.1153%487
Net loans and leases to total assets27.2648%4,767
Net loans and leases to deposits33.2403%4,737
Net loans and leases to core deposits33.8194%4,761
Total domestic deposits to total assets82.0235%3,891
Equity capital to assets14.7402%536
Core capital (leverage) ratio14.6519%536
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$190,520,5003,163
Average earning assets$180,276,0003,124
Average equity$28,655,5002,637
Average total loans$52,772,5004,042
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0627%4,591
Cost of funding earning assets0.2297%4,467
Net interest margin2.8330%4,205
Noninterest income to average assets0.3250%3,517
Noninterest expense to average assets1.6364%4,678
Loan and lease loss provision to assets0.0334%3,982
Net operating income to assets1.3325%1,170
Return on assets (ROA)1.5317%805
Pretax return on assets1.5317%1,239
Return on Equity (ROE)9.5678%2,170
Retained earnings to average equity (ytd only)3.3098%3,172
Net charge-offs to loans0.0078%3,054
Credit loss provision to net charge-offs1,500.0000%551
Earnings coverage of net charge-offs (x)613.5000%194
Efficiency ratio54.5050%4,159
Assets per employee ($millions)10.3746%472
Cash dividends to net income (ytd only)*65.4070%1,123
Condition Ratios (%)
Loss allowance to loans1.0340%3,742
Loan loss allowance to noncurrent loans46.1803%4,068
Noncurrent assets plus other real estate owned to assets0.6239%1,688
Noncurrent loans to loans2.2391%478
Net loans and leases to total assets27.5737%4,800
Net loans and leases to deposits33.9122%4,786
Net loans and leases to core deposits34.5317%4,795
Total domestic deposits to total assets81.3091%3,802
Equity capital to assets15.3532%510
Core capital (leverage) ratio14.3279%630
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$179,667,0003,109
Average earning assets$169,787,6003,073
Average equity$28,763,0002,546
Average total loans$51,555,8004,080
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1291%4,648
Cost of funding earning assets0.2509%4,509
Net interest margin2.8782%4,215
Noninterest income to average assets0.3125%3,614
Noninterest expense to average assets1.3363%4,893
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.7021%570
Return on assets (ROA)1.9269%382
Pretax return on assets1.9269%598
Return on Equity (ROE)11.9083%1,398
Retained earnings to average equity (ytd only)11.9083%437
Net charge-offs to loans0.0026%3,087
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)2,271.0000%42
Efficiency ratio43.9813%4,788
Assets per employee ($millions)10.1259%488
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8606%4,195
Loan loss allowance to noncurrent loans40.1503%4,181
Noncurrent assets plus other real estate owned to assets0.6573%1,762
Noncurrent loans to loans2.1436%553
Net loans and leases to total assets30.3990%4,811
Net loans and leases to deposits38.5988%4,784
Net loans and leases to core deposits39.0306%4,805
Total domestic deposits to total assets78.7563%4,090
Equity capital to assets16.7053%403
Core capital (leverage) ratio15.2722%500
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$177,898,0003,111
Average earning assets$168,479,5003,071
Average equity$28,786,0002,542
Average total loans$51,437,2504,103
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1739%4,734
Cost of funding earning assets0.2830%4,526
Net interest margin2.8909%4,322
Noninterest income to average assets0.2981%3,684
Noninterest expense to average assets1.3194%4,941
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.7116%607
Return on assets (ROA)1.7672%590
Pretax return on assets1.7672%868
Return on Equity (ROE)11.0442%1,618
Retained earnings to average equity (ytd only)11.0442%596
Net charge-offs to loans0.0040%2,838
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)1,510.0000%50
Efficiency ratio43.5303%4,826
Assets per employee ($millions)10.2789%465
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8651%4,138
Loan loss allowance to noncurrent loans39.0739%4,242
Noncurrent assets plus other real estate owned to assets0.6653%1,845
Noncurrent loans to loans2.2140%573
Net loans and leases to total assets29.7914%4,860
Net loans and leases to deposits38.1430%4,832
Net loans and leases to core deposits38.7103%4,845
Total domestic deposits to total assets78.1045%4,179
Equity capital to assets16.0950%463
Core capital (leverage) ratio14.8377%603
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$176,442,0003,105
Average earning assets$166,800,0003,075
Average equity$28,232,0002,575
Average total loans$49,953,6674,145
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2494%4,844
Cost of funding earning assets0.3158%4,607
Net interest margin2.9336%4,378
Noninterest income to average assets0.3114%3,649
Noninterest expense to average assets1.3825%4,970
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.6915%521
Return on assets (ROA)1.8054%452
Pretax return on assets1.8054%687
Return on Equity (ROE)11.3189%1,318
Retained earnings to average equity (ytd only)11.3189%515
Net charge-offs to loans0.0170%2,032
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)364.0000%188
Efficiency ratio44.9735%4,860
Assets per employee ($millions)9.5868%430
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.0351%3,518
Loan loss allowance to noncurrent loans38.9927%4,271
Noncurrent assets plus other real estate owned to assets0.7134%1,882
Noncurrent loans to loans2.6546%433
Net loans and leases to total assets26.5951%4,951
Net loans and leases to deposits34.0430%4,933
Net loans and leases to core deposits34.5203%4,940
Total domestic deposits to total assets78.1221%4,198
Equity capital to assets16.6479%491
Core capital (leverage) ratio15.6525%569
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$172,153,0003,115
Average earning assets$162,120,0003,087
Average equity$27,458,5002,607
Average total loans$47,130,0004,202
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4224%4,906
Cost of funding earning assets0.3471%4,602
Net interest margin3.0753%4,406
Noninterest income to average assets0.3631%3,530
Noninterest expense to average assets1.6830%4,888
Loan and lease loss provision to assets0.0155%3,705
Net operating income to assets1.5542%936
Return on assets (ROA)1.5662%965
Pretax return on assets1.5662%1,603
Return on Equity (ROE)10.2571%2,180
Retained earnings to average equity (ytd only)3.2290%3,403
Net charge-offs to loans0.4413%434
Credit loss provision to net charge-offs12.8713%3,345
Earnings coverage of net charge-offs (x)13.0347%2,376
Efficiency ratio51.7412%4,623
Assets per employee ($millions)9.0392%499
Cash dividends to net income (ytd only)*68.5192%1,195
Condition Ratios (%)
Loss allowance to loans1.0065%3,462
Loan loss allowance to noncurrent loans37.6563%4,314
Noncurrent assets plus other real estate owned to assets0.7453%1,742
Noncurrent loans to loans2.6730%389
Net loans and leases to total assets27.6021%5,004
Net loans and leases to deposits34.5949%4,992
Net loans and leases to core deposits35.2603%5,003
Total domestic deposits to total assets79.7868%4,021
Equity capital to assets15.2489%736
Core capital (leverage) ratio15.0560%679
Tier 1 risk-based capital ratio35.3959%323
Total risk-based capital ratio36.0784%328
Memoranda:
Average total assets$167,734,6003,125
Average earning assets$157,609,8003,107
Average equity$25,611,6002,669
Average total loans$45,773,0004,265
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4189%5,014
Cost of funding earning assets0.3492%4,660
Net interest margin3.0697%4,525
Noninterest income to average assets0.3551%3,599
Noninterest expense to average assets1.3858%5,119
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.8584%556
Return on assets (ROA)1.8744%550
Pretax return on assets1.8744%925
Return on Equity (ROE)12.2717%1,524
Retained earnings to average equity (ytd only)12.2717%351
Net charge-offs to loans0.5982%269
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)11.4483%2,442
Efficiency ratio42.7163%5,056
Assets per employee ($millions)9.1685%452
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.9325%3,913
Loan loss allowance to noncurrent loans33.6788%4,451
Noncurrent assets plus other real estate owned to assets0.8186%1,690
Noncurrent loans to loans2.7690%385
Net loans and leases to total assets29.2887%5,063
Net loans and leases to deposits37.6355%5,040
Net loans and leases to core deposits38.4070%5,054
Total domestic deposits to total assets77.8220%4,379
Equity capital to assets16.7100%521
Core capital (leverage) ratio16.2178%535
Tier 1 risk-based capital ratio37.9147%282
Total risk-based capital ratio38.5653%288
Memoranda:
Average total assets$166,732,2503,165
Average earning assets$156,925,5003,146
Average equity$25,467,2502,691
Average total loans$45,244,5004,331
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3926%5,086
Cost of funding earning assets0.3384%4,720
Net interest margin3.0543%4,605
Noninterest income to average assets0.3551%3,558
Noninterest expense to average assets1.3545%5,184
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.8709%515
Return on assets (ROA)1.8793%528
Pretax return on assets1.8793%870
Return on Equity (ROE)12.6958%1,335
Retained earnings to average equity (ytd only)12.6958%331
Net charge-offs to loans0.0227%2,394
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)313.0000%257
Efficiency ratio41.9941%5,117
Assets per employee ($millions)9.1679%437
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4299%1,492
Loan loss allowance to noncurrent loans46.4438%4,272
Noncurrent assets plus other real estate owned to assets0.8520%1,653
Noncurrent loans to loans3.0788%322
Net loans and leases to total assets27.2776%5,137
Net loans and leases to deposits34.2661%5,124
Net loans and leases to core deposits35.0954%5,133
Total domestic deposits to total assets79.6051%4,117
Equity capital to assets16.1372%598
Core capital (leverage) ratio15.6534%597
Tier 1 risk-based capital ratio38.3606%264
Total risk-based capital ratio39.3336%263
Memoranda:
Average total assets$167,298,6703,182
Average earning assets$157,223,0003,156
Average equity$24,764,0002,746
Average total loans$44,062,3304,387
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3530%5,150
Cost of funding earning assets0.3094%4,820
Net interest margin3.0436%4,692
Noninterest income to average assets0.3443%3,559
Noninterest expense to average assets1.3821%5,231
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.8120%566
Return on assets (ROA)1.8286%552
Pretax return on assets1.8286%923
Return on Equity (ROE)12.9243%1,244
Retained earnings to average equity (ytd only)12.9243%471
Net charge-offs to loans0.0462%1,615
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)152.6000%500
Efficiency ratio43.2714%5,122
Assets per employee ($millions)9.1727%442
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4866%1,375
Loan loss allowance to noncurrent loans45.3787%4,347
Noncurrent assets plus other real estate owned to assets0.8715%1,623
Noncurrent loans to loans3.2760%296
Net loans and leases to total assets26.2081%5,205
Net loans and leases to deposits32.5072%5,188
Net loans and leases to core deposits33.3611%5,197
Total domestic deposits to total assets80.6225%4,047
Equity capital to assets15.1221%731
Core capital (leverage) ratio14.9090%721
Tier 1 risk-based capital ratio37.1245%274
Total risk-based capital ratio38.0965%276
Memoranda:
Average total assets$168,437,0003,206
Average earning assets$157,709,5003,185
Average equity$23,831,0002,822
Average total loans$43,260,0004,453
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2100%5,143
Cost of funding earning assets0.2843%4,640
Net interest margin2.9257%4,878
Noninterest income to average assets0.4014%3,433
Noninterest expense to average assets1.6662%5,125
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.4886%1,150
Return on assets (ROA)1.4994%1,106
Pretax return on assets1.4994%1,785
Return on Equity (ROE)10.8434%2,151
Retained earnings to average equity (ytd only)3.2500%3,776
Net charge-offs to loans0.0048%3,546
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)1,240.5000%86
Efficiency ratio52.8148%4,729
Assets per employee ($millions)9.0403%462
Cash dividends to net income (ytd only)*70.0280%1,079
Condition Ratios (%)
Loss allowance to loans1.5448%1,164
Loan loss allowance to noncurrent loans44.7924%4,401
Noncurrent assets plus other real estate owned to assets0.8552%1,634
Noncurrent loans to loans3.4488%262
Net loans and leases to total assets24.4153%5,277
Net loans and leases to deposits28.7151%5,283
Net loans and leases to core deposits29.3381%5,284
Total domestic deposits to total assets85.0261%2,640
Equity capital to assets13.2122%1,250
Core capital (leverage) ratio14.3098%839
Tier 1 risk-based capital ratio35.4013%311
Total risk-based capital ratio36.3650%312
Memoranda:
Average total assets$166,668,4003,201
Average earning assets$156,851,8003,171
Average equity$23,046,2002,813
Average total loans$41,872,4004,499
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1712%5,212
Cost of funding earning assets0.2728%4,666
Net interest margin2.8984%4,976
Noninterest income to average assets0.3966%3,503
Noninterest expense to average assets1.3728%5,339
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.7646%645
Return on assets (ROA)1.7791%629
Pretax return on assets1.7791%1,061
Return on Equity (ROE)12.7196%1,532
Retained earnings to average equity (ytd only)12.7196%392
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.7564%5,220
Assets per employee ($millions)8.5423%526
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.6190%1,028
Loan loss allowance to noncurrent loans44.2063%4,512
Noncurrent assets plus other real estate owned to assets0.9199%1,605
Noncurrent loans to loans3.6624%253
Net loans and leases to total assets24.7106%5,343
Net loans and leases to deposits30.1939%5,339
Net loans and leases to core deposits30.9383%5,340
Total domestic deposits to total assets81.8395%3,661
Equity capital to assets14.4489%840
Core capital (leverage) ratio15.6206%577
Tier 1 risk-based capital ratio40.0156%234
Total risk-based capital ratio41.0461%235
Memoranda:
Average total assets$165,394,2503,240
Average earning assets$156,406,0003,202
Average equity$23,134,2502,816
Average total loans$41,691,7504,550
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1412%5,270
Cost of funding earning assets0.2611%4,696
Net interest margin2.8800%5,040
Noninterest income to average assets0.3894%3,557
Noninterest expense to average assets1.3363%5,420
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.7702%621
Return on assets (ROA)1.7918%591
Pretax return on assets1.7918%980
Return on Equity (ROE)12.9491%1,390
Retained earnings to average equity (ytd only)12.9491%387
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.0174%5,309
Assets per employee ($millions)8.6030%505
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.5493%1,243
Loan loss allowance to noncurrent loans44.0882%4,522
Noncurrent assets plus other real estate owned to assets0.9158%1,641
Noncurrent loans to loans3.5141%276
Net loans and leases to total assets25.6581%5,388
Net loans and leases to deposits31.2456%5,381
Net loans and leases to core deposits32.2004%5,383
Total domestic deposits to total assets82.1176%3,678
Equity capital to assets14.1964%880
Core capital (leverage) ratio15.0011%666
Tier 1 risk-based capital ratio38.1183%263
Total risk-based capital ratio39.1282%261
Memoranda:
Average total assets$166,424,6703,246
Average earning assets$157,011,6703,212
Average equity$23,028,6702,844
Average total loans$42,000,3304,587
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0714%5,332
Cost of funding earning assets0.2534%4,687
Net interest margin2.8180%5,142
Noninterest income to average assets0.3740%3,637
Noninterest expense to average assets1.3341%5,481
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.6890%698
Return on assets (ROA)1.7319%652
Pretax return on assets1.7319%1,036
Return on Equity (ROE)12.6763%1,359
Retained earnings to average equity (ytd only)12.6763%572
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.1292%5,342
Assets per employee ($millions)9.2332%406
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5694%1,231
Loan loss allowance to noncurrent loans43.5069%4,570
Noncurrent assets plus other real estate owned to assets0.9128%1,734
Noncurrent loans to loans3.6073%286
Net loans and leases to total assets24.9064%5,449
Net loans and leases to deposits30.0903%5,450
Net loans and leases to core deposits31.0437%5,446
Total domestic deposits to total assets82.7724%3,733
Equity capital to assets13.6018%1,019
Core capital (leverage) ratio14.4609%773
Tier 1 risk-based capital ratio36.7772%285
Total risk-based capital ratio37.7823%283
Memoranda:
Average total assets$167,908,5003,269
Average earning assets$157,841,0003,238
Average equity$22,940,5002,872
Average total loans$41,700,5004,641
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9930%5,360
Cost of funding earning assets0.2177%4,806
Net interest margin2.7753%5,201
Noninterest income to average assets0.3872%3,720
Noninterest expense to average assets1.5845%5,428
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.4311%945
Return on assets (ROA)1.5369%757
Pretax return on assets1.5369%1,500
Return on Equity (ROE)10.9053%1,521
Retained earnings to average equity (ytd only)3.6101%3,099
Net charge-offs to loans-0.0026%4,551
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.5424%5,071
Assets per employee ($millions)9.4233%386
Cash dividends to net income (ytd only)*66.8960%1,417
Condition Ratios (%)
Loss allowance to loans1.5962%1,151
Loan loss allowance to noncurrent loans44.9898%4,585
Noncurrent assets plus other real estate owned to assets0.8649%1,804
Noncurrent loans to loans3.5480%281
Net loans and leases to total assets23.9873%5,534
Net loans and leases to deposits28.6900%5,532
Net loans and leases to core deposits29.4413%5,537
Total domestic deposits to total assets83.6086%3,352
Equity capital to assets13.7219%982
Core capital (leverage) ratio13.9824%838
Tier 1 risk-based capital ratio35.1301%314
Total risk-based capital ratio36.1200%317
Memoranda:
Average total assets$170,212,8003,244
Average earning assets$161,207,2003,185
Average equity$23,988,4002,760
Average total loans$38,979,0004,759
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9709%5,431
Cost of funding earning assets0.2159%4,840
Net interest margin2.7550%5,278
Noninterest income to average assets0.3710%3,870
Noninterest expense to average assets1.2804%5,626
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.7069%573
Return on assets (ROA)1.8478%436
Pretax return on assets1.8478%791
Return on Equity (ROE)13.0258%1,053
Retained earnings to average equity (ytd only)13.0258%218
Net charge-offs to loans-0.0035%4,396
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.8609%5,517
Assets per employee ($millions)9.3053%389
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.6506%1,133
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets23.4788%5,609
Net loans and leases to deposits28.6411%5,603
Net loans and leases to core deposits29.5760%5,608
Total domestic deposits to total assets81.9757%3,786
Equity capital to assets15.3228%668
Core capital (leverage) ratio14.9585%673
Tier 1 risk-based capital ratio38.4985%243
Total risk-based capital ratio39.5182%246
Memoranda:
Average total assets$170,361,2503,267
Average earning assets$161,787,5003,206
Average equity$24,166,7502,767
Average total loans$38,387,0004,830
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9493%5,474
Cost of funding earning assets0.2130%4,859
Net interest margin2.7364%5,323
Noninterest income to average assets0.3736%3,885
Noninterest expense to average assets1.2643%5,685
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.7044%565
Return on assets (ROA)1.9146%369
Pretax return on assets1.9146%626
Return on Equity (ROE)13.8588%835
Retained earnings to average equity (ytd only)13.8588%189
Net charge-offs to loans-0.0053%4,351
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.5875%5,559
Assets per employee ($millions)9.2881%379
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.7034%1,056
Loan loss allowance to noncurrent loans22,000.0000%38
Noncurrent assets plus other real estate owned to assets0.0018%5,319
Noncurrent loans to loans0.0077%5,156
Net loans and leases to total assets22.7802%5,663
Net loans and leases to deposits27.8648%5,654
Net loans and leases to core deposits28.3880%5,661
Total domestic deposits to total assets81.7525%3,958
Equity capital to assets14.9433%714
Core capital (leverage) ratio14.1721%811
Tier 1 risk-based capital ratio37.5784%250
Total risk-based capital ratio38.6035%253
Memoranda:
Average total assets$171,316,3303,263
Average earning assets$162,478,0003,207
Average equity$23,667,3302,812
Average total loans$37,854,0004,878
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9080%5,533
Cost of funding earning assets0.2020%4,963
Net interest margin2.7060%5,387
Noninterest income to average assets0.3461%4,075
Noninterest expense to average assets1.2781%5,746
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.6334%635
Return on assets (ROA)1.8872%391
Pretax return on assets1.8872%659
Return on Equity (ROE)14.2202%763
Retained earnings to average equity (ytd only)14.2202%282
Net charge-offs to loans0.0107%2,605
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)708.0000%69
Efficiency ratio43.8986%5,600
Assets per employee ($millions)9.5465%352
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.7583%1,039
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets21.3953%5,737
Net loans and leases to deposits26.2452%5,722
Net loans and leases to core deposits26.6765%5,725
Total domestic deposits to total assets81.5209%4,292
Equity capital to assets13.8102%967
Core capital (leverage) ratio13.6411%926
Tier 1 risk-based capital ratio37.3498%268
Total risk-based capital ratio38.3996%268
Memoranda:
Average total assets$173,382,0003,276
Average earning assets$164,376,0003,210
Average equity$23,009,5002,887
Average total loans$37,408,5004,935
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8560%5,613
Cost of funding earning assets0.1885%5,123
Net interest margin2.6675%5,455
Noninterest income to average assets0.3344%4,345
Noninterest expense to average assets1.5093%5,710
Loan and lease loss provision to assets0.0145%4,087
Net operating income to assets1.3458%1,102
Return on assets (ROA)1.4767%896
Pretax return on assets1.4767%1,661
Return on Equity (ROE)10.4044%1,803
Retained earnings to average equity (ytd only)3.2332%3,614
Net charge-offs to loans0.0054%4,064
Credit loss provision to net charge-offs1,250.0000%314
Earnings coverage of net charge-offs (x)1,169.5000%56
Efficiency ratio52.5942%5,340
Assets per employee ($millions)9.7182%335
Cash dividends to net income (ytd only)*68.9248%1,366
Condition Ratios (%)
Loss allowance to loans1.7623%1,015
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets21.0002%5,791
Net loans and leases to deposits25.3495%5,792
Net loans and leases to core deposits25.7021%5,797
Total domestic deposits to total assets82.8426%3,821
Equity capital to assets12.7413%1,372
Core capital (leverage) ratio13.0243%1,125
Tier 1 risk-based capital ratio35.8099%298
Total risk-based capital ratio36.8561%298
Memoranda:
Average total assets$171,936,2003,263
Average earning assets$163,410,2003,189
Average equity$24,403,2002,766
Average total loans$36,737,6004,995
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8704%5,679
Cost of funding earning assets0.1898%5,180
Net interest margin2.6807%5,514
Noninterest income to average assets0.3232%4,462
Noninterest expense to average assets1.2571%5,881
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.6184%704
Return on assets (ROA)1.7937%525
Pretax return on assets1.7937%910
Return on Equity (ROE)12.3159%1,224
Retained earnings to average equity (ytd only)12.3159%267
Net charge-offs to loans0.0073%3,662
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)1,037.6779%73
Efficiency ratio43.7161%5,752
Assets per employee ($millions)10.3010%274
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.6485%1,328
Loan loss allowance to noncurrent loans63,400.0000%9
Noncurrent assets plus other real estate owned to assets0.0006%5,551
Noncurrent loans to loans0.0026%5,415
Net loans and leases to total assets21.5998%5,850
Net loans and leases to deposits27.0310%5,839
Net loans and leases to core deposits27.4200%5,849
Total domestic deposits to total assets79.9077%4,530
Equity capital to assets15.1099%709
Core capital (leverage) ratio14.2073%791
Tier 1 risk-based capital ratio38.1220%261
Total risk-based capital ratio39.1261%264
Memoranda:
Average total assets$171,188,5003,282
Average earning assets$162,991,0003,205
Average equity$24,932,0002,747
Average total loans$36,573,5005,040
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9243%5,712
Cost of funding earning assets0.1907%5,235
Net interest margin2.7336%5,529
Noninterest income to average assets0.3226%4,476
Noninterest expense to average assets1.2444%5,965
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.6777%605
Return on assets (ROA)1.9426%387
Pretax return on assets1.9426%643
Return on Equity (ROE)13.5120%926
Retained earnings to average equity (ytd only)13.5120%214
Net charge-offs to loans0.0056%3,504
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)1,425.0000%29
Efficiency ratio42.5866%5,855
Assets per employee ($millions)9.9376%293
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.6727%1,336
Loan loss allowance to noncurrent loans63,500.0000%11
Noncurrent assets plus other real estate owned to assets0.0006%5,646
Noncurrent loans to loans0.0026%5,509
Net loans and leases to total assets22.0950%5,915
Net loans and leases to deposits27.7524%5,911
Net loans and leases to core deposits28.0462%5,912
Total domestic deposits to total assets79.6145%4,645
Equity capital to assets15.2185%687
Core capital (leverage) ratio14.1192%789
Tier 1 risk-based capital ratio37.5270%273
Total risk-based capital ratio38.5446%279
Memoranda:
Average total assets$169,879,0003,307
Average earning assets$161,545,0003,248
Average equity$24,422,6702,798
Average total loans$35,945,0005,110
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9286%5,756
Cost of funding earning assets0.1901%5,283
Net interest margin2.7384%5,556
Noninterest income to average assets0.3146%4,475
Noninterest expense to average assets1.2727%6,017
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.6460%643
Return on assets (ROA)2.1744%251
Pretax return on assets2.1744%400
Return on Equity (ROE)15.5768%592
Retained earnings to average equity (ytd only)15.5768%214
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.6042%5,882
Assets per employee ($millions)9.8586%298
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.8120%1,131
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets20.5637%5,986
Net loans and leases to deposits25.6553%5,976
Net loans and leases to core deposits25.9772%5,986
Total domestic deposits to total assets80.1541%4,713
Equity capital to assets14.6370%796
Core capital (leverage) ratio13.5542%964
Tier 1 risk-based capital ratio37.8858%268
Total risk-based capital ratio38.9476%271
Memoranda:
Average total assets$170,349,0003,321
Average earning assets$161,991,0003,257
Average equity$23,779,0002,853
Average total loans$34,936,5005,178
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8774%5,833
Cost of funding earning assets0.1866%5,386
Net interest margin2.6908%5,659
Noninterest income to average assets0.3317%4,525
Noninterest expense to average assets1.4117%6,028
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.4766%902
Return on assets (ROA)1.5509%806
Pretax return on assets1.5509%1,402
Return on Equity (ROE)11.1390%1,567
Retained earnings to average equity (ytd only)3.5758%3,515
Net charge-offs to loans-0.1475%5,891
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.8758%5,805
Assets per employee ($millions)10.1825%256
Cash dividends to net income (ytd only)*67.8989%1,350
Condition Ratios (%)
Loss allowance to loans1.8290%1,085
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets19.7207%6,052
Net loans and leases to deposits24.1519%6,047
Net loans and leases to core deposits24.4394%6,056
Total domestic deposits to total assets81.6530%4,282
Equity capital to assets13.3026%1,212
Core capital (leverage) ratio12.7280%1,251
Tier 1 risk-based capital ratio35.6602%324
Total risk-based capital ratio36.7022%322
Memoranda:
Average total assets$170,933,8003,289
Average earning assets$162,402,6003,222
Average equity$23,799,2002,802
Average total loans$34,581,4005,204
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8864%5,902
Cost of funding earning assets0.1868%5,480
Net interest margin2.6996%5,723
Noninterest income to average assets0.3263%4,604
Noninterest expense to average assets1.1675%6,181
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7254%594
Return on assets (ROA)1.8248%513
Pretax return on assets1.8248%853
Return on Equity (ROE)12.9594%1,131
Retained earnings to average equity (ytd only)12.9594%281
Net charge-offs to loans-0.2317%6,029
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.3570%6,127
Assets per employee ($millions)9.9338%278
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.9740%953
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets18.9661%6,152
Net loans and leases to deposits23.7377%6,140
Net loans and leases to core deposits24.1337%6,148
Total domestic deposits to total assets79.8987%4,773
Equity capital to assets14.9312%753
Core capital (leverage) ratio13.8267%906
Tier 1 risk-based capital ratio39.3977%256
Total risk-based capital ratio40.4908%256
Memoranda:
Average total assets$170,391,7503,324
Average earning assets$161,997,0003,254
Average equity$23,992,2502,806
Average total loans$34,533,5005,264
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9419%5,906
Cost of funding earning assets0.1873%5,550
Net interest margin2.7546%5,699
Noninterest income to average assets0.3125%4,720
Noninterest expense to average assets1.1293%6,263
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.7987%519
Return on assets (ROA)1.9474%417
Pretax return on assets1.9474%667
Return on Equity (ROE)14.1109%878
Retained earnings to average equity (ytd only)14.1109%231
Net charge-offs to loans-0.3414%6,146
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.5691%6,232
Assets per employee ($millions)9.8780%267
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.9250%1,116
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets19.5687%6,211
Net loans and leases to deposits24.3021%6,214
Net loans and leases to core deposits24.7057%6,213
Total domestic deposits to total assets80.5230%4,740
Equity capital to assets14.2777%886
Core capital (leverage) ratio13.5586%969
Tier 1 risk-based capital ratio38.8557%279
Total risk-based capital ratio39.9656%279
Memoranda:
Average total assets$170,897,3303,332
Average earning assets$162,273,6703,271
Average equity$23,584,6702,853
Average total loans$35,153,3305,287
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0236%5,871
Cost of funding earning assets0.1885%5,613
Net interest margin2.8350%5,580
Noninterest income to average assets0.3017%4,763
Noninterest expense to average assets1.1579%6,334
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.8308%460
Return on assets (ROA)2.0814%312
Pretax return on assets2.0814%502
Return on Equity (ROE)15.3405%661
Retained earnings to average equity (ytd only)15.3405%258
Net charge-offs to loans-0.6671%6,280
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.7422%6,288
Assets per employee ($millions)10.0468%256
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.7940%1,508
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets20.6726%6,261
Net loans and leases to deposits25.5875%6,257
Net loans and leases to core deposits26.0031%6,258
Total domestic deposits to total assets80.7917%4,866
Equity capital to assets14.0958%954
Core capital (leverage) ratio12.7764%1,242
Tier 1 risk-based capital ratio35.3401%352
Total risk-based capital ratio36.3851%354
Memoranda:
Average total assets$172,383,0003,324
Average earning assets$163,384,0003,274
Average equity$23,389,0002,893
Average total loans$35,977,0005,299
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1915%5,844
Cost of funding earning assets0.1908%5,829
Net interest margin3.0007%5,448
Noninterest income to average assets0.3539%4,570
Noninterest expense to average assets1.4883%6,302
Loan and lease loss provision to assets0.0238%4,132
Net operating income to assets1.6769%602
Return on assets (ROA)1.9226%393
Pretax return on assets1.9226%605
Return on Equity (ROE)14.7486%820
Retained earnings to average equity (ytd only)5.6220%2,184
Net charge-offs to loans0.0170%4,526
Credit loss provision to net charge-offs666.6667%395
Earnings coverage of net charge-offs (x)476.5000%106
Efficiency ratio46.6704%6,236
Assets per employee ($millions)10.2335%230
Cash dividends to net income (ytd only)*61.8812%1,659
Condition Ratios (%)
Loss allowance to loans1.6250%2,010
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets20.3575%6,363
Net loans and leases to deposits24.8476%6,361
Net loans and leases to core deposits25.2654%6,361
Total domestic deposits to total assets81.9296%4,445
Equity capital to assets13.0500%1,351
Core capital (leverage) ratio12.2314%1,487
Tier 1 risk-based capital ratio33.9507%372
Total risk-based capital ratio34.9002%371
Memoranda:
Average total assets$168,106,4003,365
Average earning assets$158,827,2003,303
Average equity$21,914,0002,957
Average total loans$35,309,4005,352
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2229%5,876
Cost of funding earning assets0.1906%5,904
Net interest margin3.0323%5,433
Noninterest income to average assets0.3480%4,659
Noninterest expense to average assets1.2226%6,478
Loan and lease loss provision to assets0.0320%3,771
Net operating income to assets1.9571%375
Return on assets (ROA)2.2875%200
Pretax return on assets2.2875%305
Return on Equity (ROE)17.5528%485
Retained earnings to average equity (ytd only)17.5528%124
Net charge-offs to loans0.0266%3,971
Credit loss provision to net charge-offs571.4286%511
Earnings coverage of net charge-offs (x)355.2605%199
Efficiency ratio38.0668%6,485
Assets per employee ($millions)9.4798%281
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.6504%2,136
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets20.3955%6,445
Net loans and leases to deposits25.1636%6,433
Net loans and leases to core deposits25.6036%6,437
Total domestic deposits to total assets81.0515%4,808
Equity capital to assets13.8312%1,059
Core capital (leverage) ratio13.4639%1,012
Tier 1 risk-based capital ratio36.7205%306
Total risk-based capital ratio37.6719%305
Memoranda:
Average total assets$166,640,5003,410
Average earning assets$157,370,7503,339
Average equity$21,716,7502,982
Average total loans$35,136,5005,412
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2863%5,817
Cost of funding earning assets0.1924%5,980
Net interest margin3.0939%5,270
Noninterest income to average assets0.3545%4,591
Noninterest expense to average assets1.2074%6,551
Loan and lease loss provision to assets0.0484%3,339
Net operating income to assets2.0168%327
Return on assets (ROA)2.4584%157
Pretax return on assets2.4584%225
Return on Equity (ROE)19.2710%341
Retained earnings to average equity (ytd only)19.2710%97
Net charge-offs to loans0.3423%1,187
Credit loss provision to net charge-offs66.6667%2,524
Earnings coverage of net charge-offs (x)28.4500%1,301
Efficiency ratio36.8946%6,564
Assets per employee ($millions)9.7170%254
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.5459%2,686
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2452%5,358
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets20.4729%6,501
Net loans and leases to deposits25.3383%6,500
Net loans and leases to core deposits25.7476%6,496
Total domestic deposits to total assets80.7984%5,043
Equity capital to assets13.9162%1,004
Core capital (leverage) ratio13.3572%1,032
Tier 1 risk-based capital ratio36.0436%319
Total risk-based capital ratio36.9249%323
Memoranda:
Average total assets$165,308,6703,454
Average earning assets$155,917,6703,378
Average equity$21,088,6703,043
Average total loans$35,053,3305,456
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3125%5,817
Cost of funding earning assets0.1947%6,046
Net interest margin3.1178%5,183
Noninterest income to average assets0.3532%4,551
Noninterest expense to average assets1.1780%6,636
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets2.1189%275
Return on assets (ROA)2.7526%125
Pretax return on assets2.7526%171
Return on Equity (ROE)22.6029%179
Retained earnings to average equity (ytd only)22.6029%78
Net charge-offs to loans-0.1017%6,123
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.7300%6,641
Assets per employee ($millions)9.7215%256
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.5701%2,834
Loan loss allowance to noncurrent loans115.4639%3,270
Noncurrent assets plus other real estate owned to assets0.2935%5,279
Noncurrent loans to loans1.3598%2,765
Net loans and leases to total assets21.2429%6,556
Net loans and leases to deposits25.8949%6,547
Net loans and leases to core deposits26.3057%6,549
Total domestic deposits to total assets82.0349%4,938
Equity capital to assets12.6821%1,467
Core capital (leverage) ratio12.6215%1,330
Tier 1 risk-based capital ratio34.0791%379
Total risk-based capital ratio34.9957%384
Memoranda:
Average total assets$165,368,5003,476
Average earning assets$156,134,5003,404
Average equity$20,139,0003,161
Average total loans$35,405,0005,491
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2541%6,068
Cost of funding earning assets0.2224%6,161
Net interest margin3.0317%5,504
Noninterest income to average assets0.3541%4,777
Noninterest expense to average assets1.5107%6,569
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.7022%581
Return on assets (ROA)1.7870%513
Pretax return on assets1.7870%778
Return on Equity (ROE)13.5775%1,043
Retained earnings to average equity (ytd only)4.9902%2,607
Net charge-offs to loans0.1214%3,600
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)66.1220%639
Efficiency ratio47.0197%6,521
Assets per employee ($millions)9.7336%252
Cash dividends to net income (ytd only)*63.2467%1,617
Condition Ratios (%)
Loss allowance to loans1.5679%2,893
Loan loss allowance to noncurrent loans1,620.5882%357
Noncurrent assets plus other real estate owned to assets0.0205%6,344
Noncurrent loans to loans0.0967%5,920
Net loans and leases to total assets20.9050%6,657
Net loans and leases to deposits25.1723%6,649
Net loans and leases to core deposits25.6813%6,652
Total domestic deposits to total assets83.0479%4,534
Equity capital to assets11.6751%2,048
Core capital (leverage) ratio12.2398%1,474
Tier 1 risk-based capital ratio32.3325%421
Total risk-based capital ratio33.2375%423
Memoranda:
Average total assets$159,264,0003,574
Average earning assets$150,179,2003,500
Average equity$20,961,2003,046
Average total loans$33,779,6005,587
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2239%6,165
Cost of funding earning assets0.2314%6,213
Net interest margin2.9924%5,616
Noninterest income to average assets0.3508%4,882
Noninterest expense to average assets1.2723%6,757
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.8988%434
Return on assets (ROA)2.0129%368
Pretax return on assets2.0129%564
Return on Equity (ROE)14.8541%825
Retained earnings to average equity (ytd only)14.8541%209
Net charge-offs to loans0.0439%4,281
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)204.1302%282
Efficiency ratio40.1226%6,752
Assets per employee ($millions)9.3122%283
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.7012%2,616
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0537%6,292
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets21.2069%6,733
Net loans and leases to deposits26.2751%6,722
Net loans and leases to core deposits27.1223%6,726
Total domestic deposits to total assets80.7109%5,300
Equity capital to assets13.7745%1,029
Core capital (leverage) ratio13.3277%1,089
Tier 1 risk-based capital ratio35.9667%312
Total risk-based capital ratio36.9608%312
Memoranda:
Average total assets$157,712,0003,630
Average earning assets$148,637,5003,562
Average equity$21,371,7503,034
Average total loans$33,438,7505,659
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1967%6,234
Cost of funding earning assets0.2400%6,240
Net interest margin2.9567%5,680
Noninterest income to average assets0.3555%4,844
Noninterest expense to average assets1.2291%6,824
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.9109%417
Return on assets (ROA)1.9236%438
Pretax return on assets1.9236%710
Return on Equity (ROE)14.2743%950
Retained earnings to average equity (ytd only)14.2743%285
Net charge-offs to loans-0.0120%5,816
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.1427%6,818
Assets per employee ($millions)9.1391%288
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.7182%2,713
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0611%6,315
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets21.8691%6,767
Net loans and leases to deposits26.8213%6,757
Net loans and leases to core deposits27.8692%6,754
Total domestic deposits to total assets81.5364%5,206
Equity capital to assets12.8439%1,404
Core capital (leverage) ratio12.9701%1,175
Tier 1 risk-based capital ratio34.2761%358
Total risk-based capital ratio35.2864%360
Memoranda:
Average total assets$157,513,6703,655
Average earning assets$148,341,6703,591
Average equity$21,227,0003,070
Average total loans$33,200,6705,705
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1705%6,333
Cost of funding earning assets0.2439%6,327
Net interest margin2.9266%5,759
Noninterest income to average assets0.3506%4,875
Noninterest expense to average assets1.1905%6,911
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.9144%394
Return on assets (ROA)1.9396%413
Pretax return on assets1.9396%675
Return on Equity (ROE)14.0694%951
Retained earnings to average equity (ytd only)14.0694%440
Net charge-offs to loans-0.0369%5,989
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.3428%6,898
Assets per employee ($millions)9.2911%286
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7844%2,674
Loan loss allowance to noncurrent loans59,500.0000%8
Noncurrent assets plus other real estate owned to assets0.0608%6,421
Noncurrent loans to loans0.0030%6,517
Net loans and leases to total assets20.7340%6,840
Net loans and leases to deposits25.7509%6,826
Net loans and leases to core deposits26.6968%6,830
Total domestic deposits to total assets80.5176%5,625
Equity capital to assets13.9641%1,039
Core capital (leverage) ratio12.4636%1,351
Tier 1 risk-based capital ratio33.5616%393
Total risk-based capital ratio34.5905%394
Memoranda:
Average total assets$158,588,0003,678
Average earning assets$149,250,5003,609
Average equity$21,863,0003,042
Average total loans$32,515,5005,773
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3155%6,567
Cost of funding earning assets0.2739%6,574
Net interest margin3.0416%5,948
Noninterest income to average assets0.3609%4,901
Noninterest expense to average assets1.4644%6,888
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.7573%551
Return on assets (ROA)1.9154%462
Pretax return on assets1.9154%728
Return on Equity (ROE)13.8662%1,013
Retained earnings to average equity (ytd only)4.7467%2,884
Net charge-offs to loans0.1005%4,660
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)90.0000%434
Efficiency ratio45.4545%6,801
Assets per employee ($millions)9.3664%291
Cash dividends to net income (ytd only)*65.7678%1,528
Condition Ratios (%)
Loss allowance to loans1.8683%2,392
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0597%6,471
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets19.5286%6,929
Net loans and leases to deposits24.1346%6,928
Net loans and leases to core deposits25.0600%6,919
Total domestic deposits to total assets80.9154%5,430
Equity capital to assets13.6094%1,188
Core capital (leverage) ratio12.0532%1,542
Tier 1 risk-based capital ratio32.7880%408
Total risk-based capital ratio33.8294%407
Memoranda:
Average total assets$158,762,8003,640
Average earning assets$149,327,0003,569
Average equity$21,931,0002,979
Average total loans$30,835,4005,907
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3671%6,659
Cost of funding earning assets0.2822%6,688
Net interest margin3.0849%5,971
Noninterest income to average assets0.3471%5,040
Noninterest expense to average assets1.1959%7,081
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets2.0540%357
Return on assets (ROA)2.2649%280
Pretax return on assets2.2649%426
Return on Equity (ROE)16.3357%691
Retained earnings to average equity (ytd only)16.3357%181
Net charge-offs to loans0.1350%4,040
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)78.8432%522
Efficiency ratio36.7986%7,063
Assets per employee ($millions)9.2151%305
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.8681%2,586
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0606%6,598
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets19.8510%7,028
Net loans and leases to deposits25.2431%7,017
Net loans and leases to core deposits26.3186%7,015
Total domestic deposits to total assets78.6393%5,946
Equity capital to assets15.4452%714
Core capital (leverage) ratio13.0756%1,161
Tier 1 risk-based capital ratio36.8074%313
Total risk-based capital ratio37.8811%310
Memoranda:
Average total assets$158,646,5003,679
Average earning assets$149,281,7503,602
Average equity$21,996,2502,993
Average total loans$30,622,5005,996
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3746%6,747
Cost of funding earning assets0.2923%6,763
Net interest margin3.0822%6,053
Noninterest income to average assets0.3352%5,150
Noninterest expense to average assets1.1136%7,167
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets2.1204%327
Return on assets (ROA)2.4355%219
Pretax return on assets2.4355%326
Return on Equity (ROE)18.2477%481
Retained earnings to average equity (ytd only)18.2477%138
Net charge-offs to loans0.1850%3,475
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)60.3214%632
Efficiency ratio34.4332%7,133
Assets per employee ($millions)9.5439%268
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.9344%2,433
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0586%6,668
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets18.5914%7,099
Net loans and leases to deposits23.0291%7,101
Net loans and leases to core deposits24.0071%7,102
Total domestic deposits to total assets80.7300%5,548
Equity capital to assets13.8961%1,143
Core capital (leverage) ratio12.3955%1,400
Tier 1 risk-based capital ratio34.7196%355
Total risk-based capital ratio35.7770%351
Memoranda:
Average total assets$159,309,6703,677
Average earning assets$149,825,6703,607
Average equity$21,263,0003,081
Average total loans$30,266,6706,054
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3668%6,845
Cost of funding earning assets0.3049%6,828
Net interest margin3.0620%6,154
Noninterest income to average assets0.3294%5,227
Noninterest expense to average assets1.1733%7,216
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets2.0324%396
Return on assets (ROA)2.6685%173
Pretax return on assets2.6685%267
Return on Equity (ROE)20.4253%363
Retained earnings to average equity (ytd only)20.4253%180
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.6008%7,172
Assets per employee ($millions)9.2855%296
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.1071%2,086
Loan loss allowance to noncurrent loans506.5041%677
Noncurrent assets plus other real estate owned to assets0.0779%6,691
Noncurrent loans to loans0.4160%5,838
Net loans and leases to total assets18.3359%7,167
Net loans and leases to deposits22.6132%7,159
Net loans and leases to core deposits23.7911%7,156
Total domestic deposits to total assets81.0851%5,581
Equity capital to assets13.3275%1,302
Core capital (leverage) ratio11.9653%1,607
Tier 1 risk-based capital ratio34.2227%359
Total risk-based capital ratio35.3659%354
Memoranda:
Average total assets$157,841,0003,723
Average earning assets$148,269,5003,654
Average equity$20,621,5003,150
Average total loans$30,020,5006,111
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5791%6,946
Cost of funding earning assets0.4277%6,810
Net interest margin3.1514%6,212
Noninterest income to average assets0.3786%4,801
Noninterest expense to average assets1.5078%7,163
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.8319%434
Return on assets (ROA)2.1129%279
Pretax return on assets2.1129%432
Return on Equity (ROE)16.0762%590
Retained earnings to average equity (ytd only)5.9686%2,035
Net charge-offs to loans0.0373%5,942
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)250.7273%136
Efficiency ratio45.1472%7,085
Assets per employee ($millions)9.2840%296
Cash dividends to net income (ytd only)*62.8733%1,435
Condition Ratios (%)
Loss allowance to loans2.0444%2,143
Loan loss allowance to noncurrent loans3,115.0000%158
Noncurrent assets plus other real estate owned to assets0.0127%6,955
Noncurrent loans to loans0.0656%6,650
Net loans and leases to total assets18.9136%7,221
Net loans and leases to deposits23.1766%7,219
Net loans and leases to core deposits24.4238%7,212
Total domestic deposits to total assets81.6066%5,264
Equity capital to assets12.8019%1,598
Core capital (leverage) ratio11.5511%1,844
Tier 1 risk-based capital ratio32.3849%414
Total risk-based capital ratio33.5315%409
Memoranda:
Average total assets$150,551,4003,789
Average earning assets$141,461,6003,716
Average equity$19,787,0003,184
Average total loans$29,482,2006,182
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6671%6,962
Cost of funding earning assets0.4565%6,862
Net interest margin3.2106%6,136
Noninterest income to average assets0.3666%4,937
Noninterest expense to average assets1.2523%7,328
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets2.1344%279
Return on assets (ROA)2.5136%159
Pretax return on assets2.5136%241
Return on Equity (ROE)18.9944%384
Retained earnings to average equity (ytd only)18.9944%92
Net charge-offs to loans0.0365%5,637
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)297.5248%128
Efficiency ratio36.9772%7,306
Assets per employee ($millions)8.9588%337
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.0857%2,102
Loan loss allowance to noncurrent loans62,600.0000%4
Noncurrent assets plus other real estate owned to assets0.0007%7,096
Noncurrent loans to loans0.0033%6,964
Net loans and leases to total assets19.2961%7,293
Net loans and leases to deposits24.2193%7,292
Net loans and leases to core deposits25.3918%7,287
Total domestic deposits to total assets79.6724%5,827
Equity capital to assets14.5351%980
Core capital (leverage) ratio13.2487%1,128
Tier 1 risk-based capital ratio36.6997%309
Total risk-based capital ratio37.8950%301
Memoranda:
Average total assets$148,732,2503,844
Average earning assets$139,906,7503,769
Average equity$19,682,5003,195
Average total loans$29,234,2506,253
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6748%7,032
Cost of funding earning assets0.4863%6,886
Net interest margin3.1884%6,199
Noninterest income to average assets0.3701%4,908
Noninterest expense to average assets1.2091%7,424
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets2.1648%275
Return on assets (ROA)2.6392%145
Pretax return on assets2.6392%202
Return on Equity (ROE)20.6421%278
Retained earnings to average equity (ytd only)20.6421%84
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.8377%7,394
Assets per employee ($millions)8.5150%381
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.1750%1,969
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets19.6995%7,372
Net loans and leases to deposits25.0902%7,359
Net loans and leases to core deposits26.5248%7,358
Total domestic deposits to total assets78.5147%6,185
Equity capital to assets14.2544%1,012
Core capital (leverage) ratio12.5562%1,330
Tier 1 risk-based capital ratio36.3507%315
Total risk-based capital ratio37.6017%310
Memoranda:
Average total assets$147,543,0003,893
Average earning assets$139,002,0003,805
Average equity$18,864,3303,281
Average total loans$28,974,3306,326
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5422%7,183
Cost of funding earning assets0.5040%6,955
Net interest margin3.0382%6,494
Noninterest income to average assets0.3679%4,969
Noninterest expense to average assets1.2086%7,483
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets2.0250%337
Return on assets (ROA)2.6374%158
Pretax return on assets2.6374%210
Return on Equity (ROE)21.8471%252
Retained earnings to average equity (ytd only)21.8471%136
Net charge-offs to loans0.0277%4,706
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)377.0000%73
Efficiency ratio37.3754%7,425
Assets per employee ($millions)9.3514%297
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.1932%1,977
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets18.8368%7,442
Net loans and leases to deposits23.0920%7,441
Net loans and leases to core deposits25.2545%7,424
Total domestic deposits to total assets81.5729%5,467
Equity capital to assets12.3892%1,689
Core capital (leverage) ratio11.7901%1,684
Tier 1 risk-based capital ratio34.4651%364
Total risk-based capital ratio35.7151%354
Memoranda:
Average total assets$148,937,0003,896
Average earning assets$140,477,5003,810
Average equity$17,979,5003,397
Average total loans$28,886,5006,378
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1103%7,035
Cost of funding earning assets0.6957%6,902
Net interest margin3.4145%5,577
Noninterest income to average assets0.8244%2,168
Noninterest expense to average assets1.6234%7,393
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets2.3851%135
Return on assets (ROA)2.7598%87
Pretax return on assets2.7598%147
Return on Equity (ROE)20.7999%209
Retained earnings to average equity (ytd only)9.2627%648
Net charge-offs to loans-0.0421%7,431
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.4983%7,502
Assets per employee ($millions)8.7207%376
Cash dividends to net income (ytd only)*55.4675%1,834
Condition Ratios (%)
Loss allowance to loans2.1895%1,888
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets19.1046%7,526
Net loans and leases to deposits23.2560%7,534
Net loans and leases to core deposits25.3761%7,518
Total domestic deposits to total assets82.1493%5,139
Equity capital to assets11.7516%2,082
Core capital (leverage) ratio11.6262%1,765
Tier 1 risk-based capital ratio32.8682%410
Total risk-based capital ratio34.1175%404
Memoranda:
Average total assets$137,184,2004,114
Average earning assets$127,923,6004,066
Average equity$18,202,0003,396
Average total loans$28,500,8006,474
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3000%6,965
Cost of funding earning assets0.7371%6,953
Net interest margin3.5629%5,050
Noninterest income to average assets0.4275%4,741
Noninterest expense to average assets1.3421%7,618
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets2.3984%167
Return on assets (ROA)2.9083%91
Pretax return on assets2.9083%135
Return on Equity (ROE)21.2493%240
Retained earnings to average equity (ytd only)21.2493%66
Net charge-offs to loans-0.0564%7,484
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.8791%7,634
Assets per employee ($millions)8.1159%487
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.1014%1,995
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets21.4074%7,606
Net loans and leases to deposits27.0501%7,604
Net loans and leases to core deposits30.0187%7,581
Total domestic deposits to total assets79.1398%5,990
Equity capital to assets14.3088%1,082
Core capital (leverage) ratio13.0128%1,223
Tier 1 risk-based capital ratio35.5700%335
Total risk-based capital ratio36.8166%330
Memoranda:
Average total assets$134,417,2504,224
Average earning assets$124,989,2504,185
Average equity$18,397,0003,408
Average total loans$28,386,7506,564
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4638%6,772
Cost of funding earning assets0.7653%7,019
Net interest margin3.6985%4,375
Noninterest income to average assets0.4413%4,597
Noninterest expense to average assets1.2955%7,711
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets2.5774%128
Return on assets (ROA)3.2439%71
Pretax return on assets3.2439%99
Return on Equity (ROE)24.0798%147
Retained earnings to average equity (ytd only)24.0798%54
Net charge-offs to loans-0.0864%7,534
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.4496%7,722
Assets per employee ($millions)7.4898%623
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.2712%1,634
Loan loss allowance to noncurrent loans63,400.0000%6
Noncurrent assets plus other real estate owned to assets0.0007%7,435
Noncurrent loans to loans0.0036%7,334
Net loans and leases to total assets20.2357%7,686
Net loans and leases to deposits25.8380%7,690
Net loans and leases to core deposits28.8233%7,670
Total domestic deposits to total assets78.3179%6,198
Equity capital to assets14.2320%1,093
Core capital (leverage) ratio12.7894%1,286
Tier 1 risk-based capital ratio35.1091%346
Total risk-based capital ratio36.3604%338
Memoranda:
Average total assets$133,232,6704,273
Average earning assets$123,617,6704,241
Average equity$17,948,6703,475
Average total loans$27,792,3306,647
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5823%6,606
Cost of funding earning assets0.7860%7,132
Net interest margin3.7963%3,813
Noninterest income to average assets0.4349%4,609
Noninterest expense to average assets1.2776%7,812
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets2.6729%119
Return on assets (ROA)2.7695%114
Pretax return on assets2.7695%165
Return on Equity (ROE)21.1662%319
Retained earnings to average equity (ytd only)21.1662%172
Net charge-offs to loans-0.1731%7,645
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.3394%7,830
Assets per employee ($millions)7.4231%674
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.2728%1,619
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets20.4025%7,778
Net loans and leases to deposits25.7943%7,783
Net loans and leases to core deposits29.1060%7,756
Total domestic deposits to total assets79.0968%6,055
Equity capital to assets13.3824%1,372
Core capital (leverage) ratio12.0134%1,648
Tier 1 risk-based capital ratio32.6271%417
Total risk-based capital ratio33.8783%412
Memoranda:
Average total assets$132,441,0004,351
Average earning assets$122,647,0004,311
Average equity$17,329,5003,598
Average total loans$27,731,0006,735
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9308%6,633
Cost of funding earning assets0.9766%7,246
Net interest margin3.9542%3,059
Noninterest income to average assets0.4694%4,654
Noninterest expense to average assets1.7192%7,682
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets2.4144%101
Return on assets (ROA)2.4707%101
Pretax return on assets2.4707%165
Return on Equity (ROE)18.2678%346
Retained earnings to average equity (ytd only)5.7882%1,432
Net charge-offs to loans0.3443%4,509
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)33.0110%703
Efficiency ratio41.5905%7,836
Assets per employee ($millions)7.2926%715
Cash dividends to net income (ytd only)*68.3149%1,636
Condition Ratios (%)
Loss allowance to loans2.2563%1,554
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets20.5270%7,859
Net loans and leases to deposits25.7963%7,865
Net loans and leases to core deposits34.4270%7,832
Total domestic deposits to total assets79.5735%5,821
Equity capital to assets12.7817%1,604
Core capital (leverage) ratio11.7607%1,776
Tier 1 risk-based capital ratio31.7458%450
Total risk-based capital ratio32.9483%440
Memoranda:
Average total assets$124,420,0004,461
Average earning assets$115,294,6004,411
Average equity$16,827,4003,707
Average total loans$26,430,0006,834
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0109%6,573
Cost of funding earning assets1.0085%7,371
Net interest margin4.0024%2,811
Noninterest income to average assets0.4553%4,867
Noninterest expense to average assets1.4082%7,919
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets2.7686%75
Return on assets (ROA)2.8446%75
Pretax return on assets2.8446%122
Return on Equity (ROE)20.7282%277
Retained earnings to average equity (ytd only)20.7282%54
Net charge-offs to loans0.3876%3,714
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)33.5266%860
Efficiency ratio33.7149%7,989
Assets per employee ($millions)6.9793%797
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.3528%1,231
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets21.0439%7,943
Net loans and leases to deposits27.2847%7,932
Net loans and leases to core deposits36.8296%7,890
Total domestic deposits to total assets77.1269%6,307
Equity capital to assets14.8661%1,044
Core capital (leverage) ratio13.4321%1,250
Tier 1 risk-based capital ratio36.5957%346
Total risk-based capital ratio37.8473%333
Memoranda:
Average total assets$122,708,5004,529
Average earning assets$114,095,7504,478
Average equity$16,839,7503,738
Average total loans$26,145,7506,910
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1161%6,368
Cost of funding earning assets1.0391%7,479
Net interest margin4.0769%2,406
Noninterest income to average assets0.4485%4,859
Noninterest expense to average assets1.3866%8,018
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets2.8455%72
Return on assets (ROA)2.9605%70
Pretax return on assets2.9605%106
Return on Equity (ROE)22.2090%228
Retained earnings to average equity (ytd only)22.2090%59
Net charge-offs to loans0.0077%6,476
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)1,732.0000%13
Efficiency ratio32.7640%8,091
Assets per employee ($millions)6.8614%824
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.7268%726
Loan loss allowance to noncurrent loans3,236.3636%141
Noncurrent assets plus other real estate owned to assets0.0178%7,585
Noncurrent loans to loans0.0843%7,315
Net loans and leases to total assets20.5652%8,032
Net loans and leases to deposits26.5655%8,024
Net loans and leases to core deposits35.5808%7,986
Total domestic deposits to total assets77.4131%6,227
Equity capital to assets13.6861%1,427
Core capital (leverage) ratio13.0837%1,402
Tier 1 risk-based capital ratio35.5464%400
Total risk-based capital ratio36.8006%399
Memoranda:
Average total assets$121,735,3304,587
Average earning assets$112,977,0004,539
Average equity$16,227,6703,879
Average total loans$25,836,3306,975
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2528%6,102
Cost of funding earning assets1.0677%7,569
Net interest margin4.1851%1,952
Noninterest income to average assets0.4468%4,808
Noninterest expense to average assets1.3570%8,056
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets2.9690%70
Return on assets (ROA)2.9954%80
Pretax return on assets2.9954%130
Return on Equity (ROE)22.7816%271
Retained earnings to average equity (ytd only)22.7816%115
Net charge-offs to loans0.0156%5,363
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)897.0000%16
Efficiency ratio31.3695%8,144
Assets per employee ($millions)6.6619%893
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.7750%595
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets20.8031%8,075
Net loans and leases to deposits26.7302%8,078
Net loans and leases to core deposits33.4504%8,054
Total domestic deposits to total assets77.8260%6,072
Equity capital to assets13.7656%1,431
Core capital (leverage) ratio12.2550%1,784
Tier 1 risk-based capital ratio34.6071%454
Total risk-based capital ratio35.8628%436
Memoranda:
Average total assets$120,850,5004,625
Average earning assets$112,016,0004,586
Average equity$15,890,0003,966
Average total loans$25,699,0007,015
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5171%7,261
Cost of funding earning assets1.5681%7,502
Net interest margin3.9490%3,365
Noninterest income to average assets0.5395%4,328
Noninterest expense to average assets1.7139%7,851
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets2.4126%152
Return on assets (ROA)2.4126%151
Pretax return on assets2.4200%236
Return on Equity (ROE)17.7952%547
Retained earnings to average equity (ytd only)4.6699%2,221
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.4590%8,089
Assets per employee ($millions)6.7659%783
Cash dividends to net income (ytd only)*73.7578%2,002
Condition Ratios (%)
Loss allowance to loans2.7700%533
Loan loss allowance to noncurrent loans35,650.0000%15
Noncurrent assets plus other real estate owned to assets0.0016%7,661
Noncurrent loans to loans0.0078%7,524
Net loans and leases to total assets20.5500%8,147
Net loans and leases to deposits27.2441%8,146
Net loans and leases to core deposits33.9879%8,126
Total domestic deposits to total assets75.4290%6,357
Equity capital to assets12.5409%1,989
Core capital (leverage) ratio11.6476%2,158
Tier 1 risk-based capital ratio32.5455%525
Total risk-based capital ratio33.8018%512
Memoranda:
Average total assets$106,774,8004,859
Average earning assets$97,189,6004,887
Average equity$14,475,8004,243
Average total loans$25,919,4006,973