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North Valley Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4554%366
Cost of funding earning assets1.6678%1,521
Net interest margin4.7876%424
Noninterest income to average assets0.2300%3,570
Noninterest expense to average assets2.1878%3,161
Loan and lease loss provision to assets0.0400%2,313
Net operating income to assets2.6603%213
Return on assets (ROA)2.6603%212
Pretax return on assets2.6603%291
Return on Equity (ROE)23.2300%392
Retained earnings to average equity (ytd only)7.7300%1,614
Net charge-offs to loans0.0009%2,845
Credit loss provision to net charge-offs5,000.0000%107
Earnings coverage of net charge-offs (x)3,352.0000%35
Efficiency ratio44.7548%4,233
Assets per employee ($millions)8.3405%1,256
Cash dividends to net income (ytd only)*66.7171%941
Condition Ratios (%)
Loss allowance to loans1.3885%1,420
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets84.3800%246
Net loans and leases to deposits101.2549%469
Net loans and leases to core deposits117.0964%712
Total domestic deposits to total assets83.3400%2,796
Equity capital to assets11.4764%1,295
Core capital (leverage) ratio11.8537%1,489
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$248,243,4002,696
Average earning assets$241,331,2002,621
Average equity$28,434,6002,346
Average total loans$211,221,6002,222
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2994%369
Cost of funding earning assets1.5239%1,546
Net interest margin4.7755%424
Noninterest income to average assets0.2400%3,510
Noninterest expense to average assets2.2176%3,031
Loan and lease loss provision to assets0.0500%1,947
Net operating income to assets2.6105%238
Return on assets (ROA)2.6105%234
Pretax return on assets2.6105%340
Return on Equity (ROE)22.8000%503
Retained earnings to average equity (ytd only)7.2247%2,217
Net charge-offs to loans0.0006%2,633
Credit loss provision to net charge-offs10,000.0000%52
Earnings coverage of net charge-offs (x)4,910.0000%12
Efficiency ratio45.4202%4,164
Assets per employee ($millions)7.4068%1,693
Cash dividends to net income (ytd only)*68.3160%701
Condition Ratios (%)
Loss allowance to loans1.4309%1,328
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets84.0600%275
Net loans and leases to deposits99.5093%542
Net loans and leases to core deposits114.4739%713
Total domestic deposits to total assets84.4800%2,648
Equity capital to assets11.5136%1,175
Core capital (leverage) ratio11.8479%1,509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$245,665,2502,714
Average earning assets$238,768,5002,639
Average equity$28,125,0002,344
Average total loans$208,713,7502,234
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0791%407
Cost of funding earning assets1.3964%1,456
Net interest margin4.6827%471
Noninterest income to average assets0.2500%3,420
Noninterest expense to average assets2.1773%3,145
Loan and lease loss provision to assets0.0800%1,369
Net operating income to assets2.5344%236
Return on assets (ROA)2.5344%231
Pretax return on assets2.5344%339
Return on Equity (ROE)22.1800%532
Retained earnings to average equity (ytd only)5.9996%2,621
Net charge-offs to loans0.0010%2,395
Credit loss provision to net charge-offs10,000.0000%53
Earnings coverage of net charge-offs (x)3,187.0000%33
Efficiency ratio45.4187%4,193
Assets per employee ($millions)7.7886%1,422
Cash dividends to net income (ytd only)*72.9511%680
Condition Ratios (%)
Loss allowance to loans1.4854%1,224
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets81.7700%449
Net loans and leases to deposits96.6194%699
Net loans and leases to core deposits110.6085%801
Total domestic deposits to total assets84.6300%2,651
Equity capital to assets11.3563%1,244
Core capital (leverage) ratio11.6953%1,511
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$243,609,6672,727
Average earning assets$236,613,3332,666
Average equity$27,835,0002,369
Average total loans$206,696,6672,244
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9271%340
Cost of funding earning assets1.2322%1,375
Net interest margin4.6948%445
Noninterest income to average assets0.2500%3,431
Noninterest expense to average assets2.2060%3,086
Loan and lease loss provision to assets0.1200%916
Net operating income to assets2.4818%246
Return on assets (ROA)2.4818%244
Pretax return on assets2.4818%366
Return on Equity (ROE)21.6500%610
Retained earnings to average equity (ytd only)4.1883%3,214
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio45.8405%4,227
Assets per employee ($millions)7.6569%1,528
Cash dividends to net income (ytd only)*80.6560%626
Condition Ratios (%)
Loss allowance to loans1.5110%1,220
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets81.1100%446
Net loans and leases to deposits96.1782%640
Net loans and leases to core deposits109.4374%720
Total domestic deposits to total assets84.3300%3,020
Equity capital to assets11.3272%1,215
Core capital (leverage) ratio11.3586%1,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$240,796,5002,785
Average earning assets$234,044,5002,712
Average equity$27,600,5002,415
Average total loans$206,606,0002,259
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2745%200
Cost of funding earning assets0.1785%3,924
Net interest margin5.0960%125
Noninterest income to average assets0.2500%3,641
Noninterest expense to average assets2.2555%2,876
Loan and lease loss provision to assets0.2100%483
Net operating income to assets2.7337%129
Return on assets (ROA)2.7337%126
Pretax return on assets2.7337%159
Return on Equity (ROE)23.9300%248
Retained earnings to average equity (ytd only)8.3421%1,703
Net charge-offs to loans-0.0847%4,484
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio43.4143%4,444
Assets per employee ($millions)7.3929%1,690
Cash dividends to net income (ytd only)*65.1429%795
Condition Ratios (%)
Loss allowance to loans1.4066%1,474
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets88.1100%67
Net loans and leases to deposits105.0352%263
Net loans and leases to core deposits111.5795%555
Total domestic deposits to total assets83.8900%3,230
Equity capital to assets11.6020%1,051
Core capital (leverage) ratio11.8309%1,359
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$230,456,6002,843
Average earning assets$223,527,0002,783
Average equity$26,324,2002,511
Average total loans$201,807,6002,217
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1118%182
Cost of funding earning assets0.1021%4,266
Net interest margin5.0097%116
Noninterest income to average assets0.2500%3,673
Noninterest expense to average assets2.2038%2,924
Loan and lease loss provision to assets0.2300%365
Net operating income to assets2.6663%134
Return on assets (ROA)2.6663%130
Pretax return on assets2.6663%179
Return on Equity (ROE)23.4400%235
Retained earnings to average equity (ytd only)8.7492%1,742
Net charge-offs to loans-0.1143%4,527
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio43.1865%4,489
Assets per employee ($millions)6.7932%2,099
Cash dividends to net income (ytd only)*62.6693%803
Condition Ratios (%)
Loss allowance to loans1.3892%1,649
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets89.1000%41
Net loans and leases to deposits101.5646%316
Net loans and leases to core deposits105.0841%611
Total domestic deposits to total assets87.7200%2,512
Equity capital to assets11.6691%947
Core capital (leverage) ratio11.8759%1,278
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$228,927,7502,868
Average earning assets$221,964,0002,812
Average equity$26,043,5002,569
Average total loans$199,402,5002,231
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8868%200
Cost of funding earning assets0.1031%4,160
Net interest margin4.7837%133
Noninterest income to average assets0.2375%3,753
Noninterest expense to average assets2.1477%3,009
Loan and lease loss provision to assets0.2629%266
Net operating income to assets2.4622%118
Return on assets (ROA)2.4622%114
Pretax return on assets2.4622%174
Return on Equity (ROE)21.8332%201
Retained earnings to average equity (ytd only)7.5134%1,807
Net charge-offs to loans0.0153%1,452
Credit loss provision to net charge-offs2,000.0000%241
Earnings coverage of net charge-offs (x)207.3333%530
Efficiency ratio44.0748%4,520
Assets per employee ($millions)6.5801%2,257
Cash dividends to net income (ytd only)*65.5872%920
Condition Ratios (%)
Loss allowance to loans1.2701%2,324
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets88.1935%38
Net loans and leases to deposits100.4441%256
Net loans and leases to core deposits102.8670%557
Total domestic deposits to total assets87.8036%2,655
Equity capital to assets11.3845%1,069
Core capital (leverage) ratio11.5312%1,332
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,247,6672,896
Average earning assets$221,168,6672,843
Average equity$25,740,6672,641
Average total loans$196,309,0002,260
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8020%203
Cost of funding earning assets0.1091%4,031
Net interest margin4.6928%138
Noninterest income to average assets0.2148%3,869
Noninterest expense to average assets2.1266%3,058
Loan and lease loss provision to assets0.2641%242
Net operating income to assets2.3660%137
Return on assets (ROA)2.3660%135
Pretax return on assets2.3660%214
Return on Equity (ROE)21.0811%196
Retained earnings to average equity (ytd only)6.9486%1,904
Net charge-offs to loans0.0021%1,747
Credit loss provision to net charge-offs15,000.0000%32
Earnings coverage of net charge-offs (x)1,494.0000%47
Efficiency ratio44.7076%4,539
Assets per employee ($millions)6.7403%2,192
Cash dividends to net income (ytd only)*67.0387%907
Condition Ratios (%)
Loss allowance to loans1.3139%2,285
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets81.1839%192
Net loans and leases to deposits92.2615%422
Net loans and leases to core deposits94.8117%696
Total domestic deposits to total assets87.9932%2,527
Equity capital to assets11.2239%1,222
Core capital (leverage) ratio11.3241%1,345
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$227,219,0002,916
Average earning assets$219,910,0002,866
Average equity$25,501,5002,739
Average total loans$191,600,0002,289
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1856%197
Cost of funding earning assets0.1422%4,042
Net interest margin5.0434%132
Noninterest income to average assets0.2397%3,945
Noninterest expense to average assets2.2698%2,881
Loan and lease loss provision to assets0.2131%489
Net operating income to assets2.6177%140
Return on assets (ROA)2.6177%144
Pretax return on assets2.6177%221
Return on Equity (ROE)23.4117%158
Retained earnings to average equity (ytd only)7.8422%1,603
Net charge-offs to loans0.0973%869
Credit loss provision to net charge-offs252.7174%1,163
Earnings coverage of net charge-offs (x)33.5652%1,537
Efficiency ratio44.5004%4,556
Assets per employee ($millions)7.0396%1,901
Cash dividends to net income (ytd only)*66.5032%849
Condition Ratios (%)
Loss allowance to loans1.1959%2,902
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets85.3853%76
Net loans and leases to deposits97.1749%274
Net loans and leases to core deposits99.9117%542
Total domestic deposits to total assets87.8677%2,116
Equity capital to assets11.2227%1,651
Core capital (leverage) ratio11.3317%1,378
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$218,171,8002,923
Average earning assets$210,274,0002,870
Average equity$24,393,8002,889
Average total loans$189,183,8002,311
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2302%213
Cost of funding earning assets0.1561%4,056
Net interest margin5.0741%144
Noninterest income to average assets0.2434%3,938
Noninterest expense to average assets2.2095%3,041
Loan and lease loss provision to assets0.1941%538
Net operating income to assets2.7264%166
Return on assets (ROA)2.7264%167
Pretax return on assets2.7264%245
Return on Equity (ROE)24.4078%193
Retained earnings to average equity (ytd only)8.9302%1,725
Net charge-offs to loans-0.0014%3,171
Credit loss provision to net charge-offs-15,750.0000%4,233
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.0699%4,624
Assets per employee ($millions)6.8574%1,969
Cash dividends to net income (ytd only)*63.4124%756
Condition Ratios (%)
Loss allowance to loans1.1805%3,076
Loan loss allowance to noncurrent loans675.4286%1,071
Noncurrent assets plus other real estate owned to assets0.1547%3,085
Noncurrent loans to loans0.1748%3,250
Net loans and leases to total assets87.4450%44
Net loans and leases to deposits99.2128%242
Net loans and leases to core deposits100.9700%555
Total domestic deposits to total assets88.1388%1,754
Equity capital to assets11.0414%1,984
Core capital (leverage) ratio11.1955%1,538
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$216,398,0002,962
Average earning assets$208,400,5002,911
Average equity$24,172,0002,931
Average total loans$187,811,5002,355
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2507%240
Cost of funding earning assets0.1715%4,029
Net interest margin5.0792%154
Noninterest income to average assets0.2393%3,970
Noninterest expense to average assets2.2281%2,986
Loan and lease loss provision to assets0.1830%625
Net operating income to assets2.7189%168
Return on assets (ROA)2.7189%171
Pretax return on assets2.7189%255
Return on Equity (ROE)24.2420%221
Retained earnings to average equity (ytd only)8.9872%1,714
Net charge-offs to loans-0.0022%3,214
Credit loss provision to net charge-offs-9,750.0000%4,047
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.4321%4,646
Assets per employee ($millions)6.6282%2,073
Cash dividends to net income (ytd only)*62.9272%845
Condition Ratios (%)
Loss allowance to loans1.1259%3,309
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets90.0952%18
Net loans and leases to deposits102.3842%213
Net loans and leases to core deposits103.9849%535
Total domestic deposits to total assets87.9972%1,821
Equity capital to assets11.1739%1,854
Core capital (leverage) ratio11.3072%1,419
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$213,099,6672,994
Average earning assets$205,190,0002,942
Average equity$23,900,6672,943
Average total loans$183,666,6672,411
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1895%275
Cost of funding earning assets0.2100%3,827
Net interest margin4.9795%192
Noninterest income to average assets0.2283%4,009
Noninterest expense to average assets2.2046%3,095
Loan and lease loss provision to assets0.1712%727
Net operating income to assets2.6326%211
Return on assets (ROA)2.6326%236
Pretax return on assets2.6326%363
Return on Equity (ROE)23.4274%317
Retained earnings to average equity (ytd only)8.9545%1,961
Net charge-offs to loans-0.0045%3,355
Credit loss provision to net charge-offs-4,500.0000%3,699
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.0182%4,577
Assets per employee ($millions)6.5701%2,116
Cash dividends to net income (ytd only)*61.7775%855
Condition Ratios (%)
Loss allowance to loans1.1807%3,029
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets82.5688%201
Net loans and leases to deposits93.6767%511
Net loans and leases to core deposits95.3015%916
Total domestic deposits to total assets88.1423%1,769
Equity capital to assets11.0210%1,839
Core capital (leverage) ratio11.3501%1,501
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$210,283,5003,004
Average earning assets$201,868,5002,955
Average equity$23,630,5002,954
Average total loans$175,844,5002,469
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7059%134
Cost of funding earning assets0.3636%3,797
Net interest margin5.3423%79
Noninterest income to average assets0.2621%3,910
Noninterest expense to average assets2.4926%2,871
Loan and lease loss provision to assets0.1740%2,213
Net operating income to assets2.7009%116
Return on assets (ROA)2.7009%121
Pretax return on assets2.7009%149
Return on Equity (ROE)22.6725%141
Retained earnings to average equity (ytd only)7.1665%1,333
Net charge-offs to loans0.0036%3,239
Credit loss provision to net charge-offs5,500.0000%194
Earnings coverage of net charge-offs (x)908.6667%130
Efficiency ratio46.4387%4,696
Assets per employee ($millions)6.3673%2,029
Cash dividends to net income (ytd only)*68.3913%1,014
Condition Ratios (%)
Loss allowance to loans1.2004%2,945
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets82.6894%247
Net loans and leases to deposits94.4448%634
Net loans and leases to core deposits96.5690%1,090
Total domestic deposits to total assets87.5531%1,684
Equity capital to assets11.4678%1,908
Core capital (leverage) ratio11.7102%1,363
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0688%1,044
Memoranda:
Average total assets$189,640,4003,031
Average earning assets$181,232,0002,989
Average equity$22,591,2002,970
Average total loans$165,368,4002,522
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8666%131
Cost of funding earning assets0.3978%3,817
Net interest margin5.4689%79
Noninterest income to average assets0.2644%3,881
Noninterest expense to average assets2.5181%2,782
Loan and lease loss provision to assets0.1719%2,265
Net operating income to assets2.7947%109
Return on assets (ROA)2.7947%114
Pretax return on assets2.7947%139
Return on Equity (ROE)23.2222%147
Retained earnings to average equity (ytd only)7.2804%1,597
Net charge-offs to loans0.0008%3,214
Credit loss provision to net charge-offs24,000.0000%55
Earnings coverage of net charge-offs (x)4,141.0000%13
Efficiency ratio45.9117%4,718
Assets per employee ($millions)6.1139%2,165
Cash dividends to net income (ytd only)*68.6491%865
Condition Ratios (%)
Loss allowance to loans1.1551%2,917
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0547%4,167
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets85.8167%161
Net loans and leases to deposits98.3274%605
Net loans and leases to core deposits100.4259%1,132
Total domestic deposits to total assets87.2764%1,551
Equity capital to assets11.7412%1,850
Core capital (leverage) ratio11.9091%1,378
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0054%1,052
Memoranda:
Average total assets$186,112,0003,047
Average earning assets$177,656,2503,006
Average equity$22,397,5002,980
Average total loans$164,078,0002,542
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1478%125
Cost of funding earning assets0.4353%3,866
Net interest margin5.7125%79
Noninterest income to average assets0.2624%3,899
Noninterest expense to average assets2.5736%2,758
Loan and lease loss provision to assets0.1640%2,361
Net operating income to assets2.9770%86
Return on assets (ROA)2.9770%94
Pretax return on assets2.9770%120
Return on Equity (ROE)24.5245%119
Retained earnings to average equity (ytd only)9.1505%969
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.0354%4,771
Assets per employee ($millions)5.8171%2,355
Cash dividends to net income (ytd only)*62.6882%1,163
Condition Ratios (%)
Loss allowance to loans1.1471%2,792
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0594%4,233
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets84.0818%246
Net loans and leases to deposits96.4695%758
Net loans and leases to core deposits98.5643%1,366
Total domestic deposits to total assets87.1590%1,558
Equity capital to assets11.8580%1,751
Core capital (leverage) ratio11.8512%1,465
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3822%995
Memoranda:
Average total assets$182,934,3333,050
Average earning assets$174,600,0003,007
Average equity$22,206,3332,987
Average total loans$162,151,3332,546
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9902%167
Cost of funding earning assets0.5041%3,924
Net interest margin5.4861%90
Noninterest income to average assets0.2758%3,873
Noninterest expense to average assets2.6589%2,813
Loan and lease loss provision to assets0.1345%2,048
Net operating income to assets2.7284%86
Return on assets (ROA)2.7284%88
Pretax return on assets2.7284%119
Return on Equity (ROE)22.1999%108
Retained earnings to average equity (ytd only)6.6034%1,683
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1527%4,753
Assets per employee ($millions)5.3724%2,250
Cash dividends to net income (ytd only)*70.2547%1,197
Condition Ratios (%)
Loss allowance to loans1.1134%3,122
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0643%4,280
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets89.3248%43
Net loans and leases to deposits103.3006%396
Net loans and leases to core deposits105.9227%1,064
Total domestic deposits to total assets86.4708%1,798
Equity capital to assets12.4705%1,751
Core capital (leverage) ratio12.2032%1,616
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2609%1,108
Memoranda:
Average total assets$178,420,0003,059
Average earning assets$170,612,0003,018
Average equity$21,928,0002,999
Average total loans$161,587,5002,526
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1526%181
Cost of funding earning assets0.5004%4,091
Net interest margin5.6522%91
Noninterest income to average assets0.3207%3,770
Noninterest expense to average assets2.8230%2,528
Loan and lease loss provision to assets0.0681%2,648
Net operating income to assets2.8401%91
Return on assets (ROA)2.8401%94
Pretax return on assets2.8401%117
Return on Equity (ROE)23.7111%104
Retained earnings to average equity (ytd only)6.8044%1,481
Net charge-offs to loans0.0032%3,567
Credit loss provision to net charge-offs2,400.0000%161
Earnings coverage of net charge-offs (x)1,024.8000%97
Efficiency ratio49.2573%4,771
Assets per employee ($millions)4.9875%2,616
Cash dividends to net income (ytd only)*71.3030%1,084
Condition Ratios (%)
Loss allowance to loans1.0569%3,181
Loan loss allowance to noncurrent loans5,941.3793%127
Noncurrent assets plus other real estate owned to assets0.0796%4,239
Noncurrent loans to loans0.0178%4,503
Net loans and leases to total assets89.8385%49
Net loans and leases to deposits103.5606%397
Net loans and leases to core deposits105.6864%1,126
Total domestic deposits to total assets86.7497%1,733
Equity capital to assets12.1119%2,068
Core capital (leverage) ratio12.2096%1,647
Tier 1 risk-based capital ratio16.5315%2,206
Total risk-based capital ratio17.7820%2,151
Memoranda:
Average total assets$176,194,0003,054
Average earning assets$168,659,2003,008
Average equity$21,104,0003,030
Average total loans$155,480,2002,566
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2092%173
Cost of funding earning assets0.4916%4,177
Net interest margin5.7176%87
Noninterest income to average assets0.3292%3,775
Noninterest expense to average assets2.7874%2,594
Loan and lease loss provision to assets0.0456%2,988
Net operating income to assets2.9707%89
Return on assets (ROA)2.9707%93
Pretax return on assets2.9707%120
Return on Equity (ROE)24.8729%94
Retained earnings to average equity (ytd only)8.2188%1,310
Net charge-offs to loans0.0026%3,337
Credit loss provision to net charge-offs2,000.0000%203
Earnings coverage of net charge-offs (x)1,322.3000%59
Efficiency ratio48.0283%4,853
Assets per employee ($millions)5.3906%2,131
Cash dividends to net income (ytd only)*66.9567%1,047
Condition Ratios (%)
Loss allowance to loans1.0356%3,367
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0641%4,395
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets89.4424%53
Net loans and leases to deposits103.0599%450
Net loans and leases to core deposits105.3632%1,229
Total domestic deposits to total assets86.7868%1,624
Equity capital to assets12.1435%2,153
Core capital (leverage) ratio12.1291%1,770
Tier 1 risk-based capital ratio16.6964%2,186
Total risk-based capital ratio17.9462%2,127
Memoranda:
Average total assets$175,355,0003,098
Average earning assets$167,898,0003,040
Average equity$20,943,2503,068
Average total loans$153,593,2502,609
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1010%204
Cost of funding earning assets0.4705%4,243
Net interest margin5.6305%102
Noninterest income to average assets0.3289%3,742
Noninterest expense to average assets2.8010%2,583
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.9179%92
Return on assets (ROA)2.9179%96
Pretax return on assets2.9179%133
Return on Equity (ROE)24.5709%103
Retained earnings to average equity (ytd only)8.4445%1,226
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.9780%4,839
Assets per employee ($millions)5.2488%2,204
Cash dividends to net income (ytd only)*65.6324%1,231
Condition Ratios (%)
Loss allowance to loans1.0268%3,465
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0639%4,436
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets86.8536%160
Net loans and leases to deposits98.7638%768
Net loans and leases to core deposits100.7685%1,651
Total domestic deposits to total assets87.9406%1,129
Equity capital to assets11.8711%2,288
Core capital (leverage) ratio12.0265%1,812
Tier 1 risk-based capital ratio16.3249%2,294
Total risk-based capital ratio17.5640%2,246
Memoranda:
Average total assets$174,510,0003,115
Average earning assets$167,055,3303,063
Average equity$20,723,6703,082
Average total loans$151,199,6702,644
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9821%227
Cost of funding earning assets0.4458%4,310
Net interest margin5.5363%113
Noninterest income to average assets0.3130%3,768
Noninterest expense to average assets2.8354%2,459
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.7751%104
Return on assets (ROA)2.7751%113
Pretax return on assets2.7751%160
Return on Equity (ROE)23.3641%136
Retained earnings to average equity (ytd only)7.1439%1,984
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5372%4,791
Assets per employee ($millions)5.6615%1,830
Cash dividends to net income (ytd only)*69.4236%1,130
Condition Ratios (%)
Loss allowance to loans1.0516%3,400
Loan loss allowance to noncurrent loans3,421.2766%205
Noncurrent assets plus other real estate owned to assets0.0917%4,354
Noncurrent loans to loans0.0307%4,640
Net loans and leases to total assets86.2109%173
Net loans and leases to deposits97.9378%793
Net loans and leases to core deposits99.6273%1,654
Total domestic deposits to total assets88.0262%1,326
Equity capital to assets11.7807%2,169
Core capital (leverage) ratio11.9099%1,822
Tier 1 risk-based capital ratio16.0339%2,424
Total risk-based capital ratio17.2808%2,372
Memoranda:
Average total assets$172,535,5003,163
Average earning assets$165,093,5003,115
Average equity$20,493,0003,115
Average total loans$148,496,5002,709
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7536%252
Cost of funding earning assets0.3886%4,055
Net interest margin5.3650%142
Noninterest income to average assets0.3601%3,685
Noninterest expense to average assets2.8275%2,589
Loan and lease loss provision to assets0.0805%2,515
Net operating income to assets2.5545%138
Return on assets (ROA)2.5545%137
Pretax return on assets2.5545%187
Return on Equity (ROE)21.8991%158
Retained earnings to average equity (ytd only)6.7716%1,769
Net charge-offs to loans0.0368%2,665
Credit loss provision to net charge-offs259.6154%1,156
Earnings coverage of net charge-offs (x)85.0000%829
Efficiency ratio51.7625%4,813
Assets per employee ($millions)5.1383%2,339
Cash dividends to net income (ytd only)*69.0782%1,119
Condition Ratios (%)
Loss allowance to loans1.1161%3,003
Loan loss allowance to noncurrent loans32,160.0000%36
Noncurrent assets plus other real estate owned to assets0.0702%4,471
Noncurrent loans to loans0.0035%4,807
Net loans and leases to total assets84.0219%414
Net loans and leases to deposits95.7698%1,094
Net loans and leases to core deposits97.4274%1,919
Total domestic deposits to total assets87.7332%1,430
Equity capital to assets11.9778%1,914
Core capital (leverage) ratio11.8268%1,852
Tier 1 risk-based capital ratio16.7944%2,136
Total risk-based capital ratio18.0447%2,079
Memoranda:
Average total assets$167,745,8003,191
Average earning assets$159,533,8003,146
Average equity$19,567,0003,129
Average total loans$141,468,8002,750
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6883%261
Cost of funding earning assets0.3887%3,946
Net interest margin5.2996%148
Noninterest income to average assets0.3507%3,788
Noninterest expense to average assets2.8054%2,619
Loan and lease loss provision to assets0.1076%1,862
Net operating income to assets2.4691%169
Return on assets (ROA)2.4691%169
Pretax return on assets2.4691%246
Return on Equity (ROE)21.3121%195
Retained earnings to average equity (ytd only)6.1088%2,605
Net charge-offs to loans0.0492%2,123
Credit loss provision to net charge-offs259.6154%1,140
Earnings coverage of net charge-offs (x)62.1745%1,038
Efficiency ratio52.1250%4,799
Assets per employee ($millions)5.1617%2,260
Cash dividends to net income (ytd only)*71.3363%814
Condition Ratios (%)
Loss allowance to loans1.1706%2,793
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets79.6982%1,064
Net loans and leases to deposits90.4508%1,830
Net loans and leases to core deposits92.4377%2,436
Total domestic deposits to total assets88.1122%1,194
Equity capital to assets11.6670%2,135
Core capital (leverage) ratio11.4679%2,193
Tier 1 risk-based capital ratio17.9560%1,803
Total risk-based capital ratio19.2083%1,759
Memoranda:
Average total assets$167,291,5003,223
Average earning assets$158,825,2503,180
Average equity$19,381,2503,165
Average total loans$140,816,5002,773
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6875%240
Cost of funding earning assets0.3770%3,896
Net interest margin5.3104%145
Noninterest income to average assets0.3416%3,895
Noninterest expense to average assets2.8422%2,524
Loan and lease loss provision to assets0.1083%1,812
Net operating income to assets2.4225%170
Return on assets (ROA)2.4225%168
Pretax return on assets2.4225%259
Return on Equity (ROE)20.9602%208
Retained earnings to average equity (ytd only)5.7656%2,689
Net charge-offs to loans0.0028%3,094
Credit loss provision to net charge-offs4,500.0000%87
Earnings coverage of net charge-offs (x)1,052.0000%74
Efficiency ratio52.8990%4,795
Assets per employee ($millions)5.0367%2,371
Cash dividends to net income (ytd only)*72.4926%920
Condition Ratios (%)
Loss allowance to loans1.1233%3,131
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets80.5438%940
Net loans and leases to deposits92.5333%1,517
Net loans and leases to core deposits94.3529%2,194
Total domestic deposits to total assets87.0430%1,820
Equity capital to assets11.0839%2,557
Core capital (leverage) ratio11.4632%2,099
Tier 1 risk-based capital ratio16.9462%2,122
Total risk-based capital ratio18.1969%2,062
Memoranda:
Average total assets$166,277,0003,250
Average earning assets$157,539,6703,204
Average equity$19,217,3303,200
Average total loans$141,968,0002,773
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6990%210
Cost of funding earning assets0.3528%3,966
Net interest margin5.3462%128
Noninterest income to average assets0.3324%3,929
Noninterest expense to average assets2.9565%2,188
Loan and lease loss provision to assets0.1116%1,691
Net operating income to assets2.3389%192
Return on assets (ROA)2.3389%194
Pretax return on assets2.3389%299
Return on Equity (ROE)19.7938%258
Retained earnings to average equity (ytd only)3.0016%3,998
Net charge-offs to loans0.0028%2,636
Credit loss provision to net charge-offs4,500.0000%81
Earnings coverage of net charge-offs (x)988.0000%59
Efficiency ratio54.6789%4,717
Assets per employee ($millions)4.6795%2,886
Cash dividends to net income (ytd only)*84.8356%757
Condition Ratios (%)
Loss allowance to loans1.0994%3,387
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets86.1757%244
Net loans and leases to deposits99.8430%721
Net loans and leases to core deposits101.7929%1,548
Total domestic deposits to total assets86.3112%2,399
Equity capital to assets11.6788%2,005
Core capital (leverage) ratio11.9466%1,679
Tier 1 risk-based capital ratio16.4647%2,283
Total risk-based capital ratio17.7162%2,234
Memoranda:
Average total assets$161,274,0003,338
Average earning assets$153,080,5003,287
Average equity$19,056,5003,245
Average total loans$141,153,0002,800
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6398%214
Cost of funding earning assets0.1951%4,988
Net interest margin5.4447%114
Noninterest income to average assets0.4430%3,350
Noninterest expense to average assets3.0276%2,079
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets2.5439%114
Return on assets (ROA)2.5439%112
Pretax return on assets2.5439%167
Return on Equity (ROE)21.1738%159
Retained earnings to average equity (ytd only)7.0798%1,045
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3409%4,925
Assets per employee ($millions)4.4101%3,338
Cash dividends to net income (ytd only)*66.5635%1,438
Condition Ratios (%)
Loss allowance to loans1.0924%3,396
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets86.9656%193
Net loans and leases to deposits101.2637%637
Net loans and leases to core deposits103.3690%1,456
Total domestic deposits to total assets85.8803%2,497
Equity capital to assets11.9580%1,858
Core capital (leverage) ratio11.9013%1,661
Tier 1 risk-based capital ratio16.8798%2,131
Total risk-based capital ratio18.1307%2,074
Memoranda:
Average total assets$152,366,0003,438
Average earning assets$143,515,0003,406
Average equity$18,305,6003,327
Average total loans$127,100,4002,960
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5863%228
Cost of funding earning assets0.1778%5,146
Net interest margin5.4085%119
Noninterest income to average assets0.4634%3,256
Noninterest expense to average assets2.9652%2,202
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets2.5823%120
Return on assets (ROA)2.5823%120
Pretax return on assets2.5823%186
Return on Equity (ROE)21.4672%156
Retained earnings to average equity (ytd only)7.1680%1,602
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4513%4,972
Assets per employee ($millions)4.7158%2,813
Cash dividends to net income (ytd only)*66.6096%1,086
Condition Ratios (%)
Loss allowance to loans1.1440%3,227
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 assets82.1883%653
Net loans and leases to deposits93.1821%1,400
Net loans and leases to core deposits94.2484%2,254
Total domestic deposits to total assets88.2018%1,259
Equity capital to assets11.6404%2,240
Core capital (leverage) ratio11.9766%1,703
Tier 1 risk-based capital ratio17.2172%2,089
Total risk-based capital ratio18.4690%2,039
Memoranda:
Average total assets$150,766,5003,495
Average earning assets$141,724,5003,452
Average equity$18,135,7503,374
Average total loans$123,976,7503,029
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5942%213
Cost of funding earning assets0.1562%5,300
Net interest margin5.4380%112
Noninterest income to average assets0.4892%3,089
Noninterest expense to average assets2.9991%2,110
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets2.5858%122
Return on assets (ROA)2.5858%120
Pretax return on assets2.5858%189
Return on Equity (ROE)21.2476%168
Retained earnings to average equity (ytd only)6.6594%1,765
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7006%5,041
Assets per employee ($millions)4.2391%3,541
Cash dividends to net income (ytd only)*68.6583%1,178
Condition Ratios (%)
Loss allowance to loans1.1927%3,063
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets82.7826%575
Net loans and leases to deposits94.1876%1,243
Net loans and leases to core deposits94.1876%2,134
Total domestic deposits to total assets87.8911%1,513
Equity capital to assets11.9831%1,942
Core capital (leverage) ratio12.3425%1,448
Tier 1 risk-based capital ratio16.8413%2,195
Total risk-based capital ratio18.0929%2,157
Memoranda:
Average total assets$147,576,0003,555
Average earning assets$138,286,3303,519
Average equity$17,959,6703,399
Average total loans$120,867,6703,078
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4728%239
Cost of funding earning assets0.1415%5,429
Net interest margin5.3314%129
Noninterest income to average assets0.4908%3,041
Noninterest expense to average assets3.0112%2,137
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets2.4679%143
Return on assets (ROA)2.4679%142
Pretax return on assets2.4679%225
Return on Equity (ROE)20.1169%226
Retained earnings to average equity (ytd only)4.8325%2,995
Net charge-offs to loans-0.0034%4,086
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9572%5,046
Assets per employee ($millions)4.1828%3,692
Cash dividends to net income (ytd only)*75.9777%1,041
Condition Ratios (%)
Loss allowance to loans1.2810%2,631
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 assets80.3264%800
Net loans and leases to deposits91.6821%1,360
Net loans and leases to core deposits91.6821%2,198
Total domestic deposits to total assets87.6140%1,934
Equity capital to assets12.2289%1,694
Core capital (leverage) ratio12.2991%1,449
Tier 1 risk-based capital ratio17.5905%2,006
Total risk-based capital ratio18.8432%1,958
Memoranda:
Average total assets$145,060,5003,616
Average earning assets$135,725,0003,591
Average equity$17,796,0003,435
Average total loans$117,373,0003,155
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1883%423
Cost of funding earning assets0.1406%5,479
Net interest margin5.0477%230
Noninterest income to average assets0.3713%4,094
Noninterest expense to average assets2.9275%2,576
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets2.1470%247
Return on assets (ROA)2.1470%253
Pretax return on assets2.1470%360
Return on Equity (ROE)18.3824%301
Retained earnings to average equity (ytd only)4.7401%2,522
Net charge-offs to loans0.0036%4,134
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)795.0000%98
Efficiency ratio57.6903%4,889
Assets per employee ($millions)4.1063%3,776
Cash dividends to net income (ytd only)*74.2138%1,132
Condition Ratios (%)
Loss allowance to loans1.3189%2,436
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 assets79.3880%984
Net loans and leases to deposits90.7607%1,599
Net loans and leases to core deposits90.9561%2,412
Total domestic deposits to total assets87.4696%1,895
Equity capital to assets12.3078%1,628
Core capital (leverage) ratio11.9957%1,603
Tier 1 risk-based capital ratio17.8232%1,900
Total risk-based capital ratio19.0766%1,855
Memoranda:
Average total assets$148,111,8003,551
Average earning assets$138,003,6003,519
Average equity$17,299,2003,514
Average total loans$111,323,6003,197
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0998%499
Cost of funding earning assets0.1383%5,558
Net interest margin4.9615%276
Noninterest income to average assets0.3905%3,989
Noninterest expense to average assets2.8398%2,872
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets2.1678%263
Return on assets (ROA)2.1678%273
Pretax return on assets2.1678%411
Return on Equity (ROE)18.8038%309
Retained earnings to average equity (ytd only)5.1621%2,715
Net charge-offs to loans0.0012%3,909
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)2,432.0226%25
Efficiency ratio56.7095%4,994
Assets per employee ($millions)4.0548%3,867
Cash dividends to net income (ytd only)*72.5474%956
Condition Ratios (%)
Loss allowance to loans1.3500%2,439
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5252%3,355
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets74.4754%1,792
Net loans and leases to deposits84.4423%2,437
Net loans and leases to core deposits84.6149%3,067
Total domestic deposits to total assets88.1969%1,300
Equity capital to assets11.6898%2,364
Core capital (leverage) ratio11.9282%1,724
Tier 1 risk-based capital ratio17.7991%1,976
Total risk-based capital ratio19.0526%1,937
Memoranda:
Average total assets$149,209,2503,553
Average earning assets$138,851,5003,531
Average equity$17,201,7503,555
Average total loans$110,248,7503,221
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0584%527
Cost of funding earning assets0.1372%5,633
Net interest margin4.9212%306
Noninterest income to average assets0.4969%3,216
Noninterest expense to average assets2.8925%2,702
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets2.1808%232
Return on assets (ROA)2.1808%247
Pretax return on assets2.1808%391
Return on Equity (ROE)19.0056%296
Retained earnings to average equity (ytd only)5.1961%2,603
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0143%5,024
Assets per employee ($millions)3.8858%4,112
Cash dividends to net income (ytd only)*72.6601%1,103
Condition Ratios (%)
Loss allowance to loans1.3680%2,448
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6149%3,170
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets74.6570%1,708
Net loans and leases to deposits84.6860%2,386
Net loans and leases to core deposits84.8614%3,000
Total domestic deposits to total assets88.1574%1,348
Equity capital to assets11.7261%2,334
Core capital (leverage) ratio11.5889%1,921
Tier 1 risk-based capital ratio17.3375%2,120
Total risk-based capital ratio18.5902%2,081
Memoranda:
Average total assets$148,936,3303,575
Average earning assets$138,502,3303,553
Average equity$17,089,6703,581
Average total loans$109,244,0003,245
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0314%545
Cost of funding earning assets0.1320%5,740
Net interest margin4.8993%313
Noninterest income to average assets0.4947%3,153
Noninterest expense to average assets2.8855%2,751
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets2.1742%239
Return on assets (ROA)2.1742%252
Pretax return on assets2.1742%401
Return on Equity (ROE)19.1553%281
Retained earnings to average equity (ytd only)5.0186%2,930
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0296%5,089
Assets per employee ($millions)4.4510%3,159
Cash dividends to net income (ytd only)*73.8007%1,113
Condition Ratios (%)
Loss allowance to loans1.4103%2,374
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 assets70.6303%2,249
Net loans and leases to deposits79.7539%2,829
Net loans and leases to core deposits79.9143%3,327
Total domestic deposits to total assets88.5603%1,325
Equity capital to assets11.2897%2,639
Core capital (leverage) ratio11.4799%1,988
Tier 1 risk-based capital ratio18.0396%1,972
Total risk-based capital ratio19.2942%1,940
Memoranda:
Average total assets$149,573,5003,590
Average earning assets$139,365,5003,567
Average equity$16,977,0003,592
Average total loans$107,981,5003,277
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9419%704
Cost of funding earning assets0.1357%5,782
Net interest margin4.8062%367
Noninterest income to average assets0.8594%1,573
Noninterest expense to average assets3.2038%1,964
Loan and lease loss provision to assets-0.1655%5,942
Net operating income to assets2.3014%207
Return on assets (ROA)2.3014%211
Pretax return on assets2.3014%290
Return on Equity (ROE)21.8292%182
Retained earnings to average equity (ytd only)10.2929%424
Net charge-offs to loans0.0109%4,091
Credit loss provision to net charge-offs-2,083.3333%5,652
Earnings coverage of net charge-offs (x)268.8333%271
Efficiency ratio60.0000%4,906
Assets per employee ($millions)4.1059%3,749
Cash dividends to net income (ytd only)*52.8481%2,144
Condition Ratios (%)
Loss allowance to loans1.4217%2,322
Loan loss allowance to noncurrent loans667.6856%849
Noncurrent assets plus other real estate owned to assets0.1549%4,972
Noncurrent loans to loans0.2129%4,657
Net loans and leases to total assets71.7239%2,101
Net loans and leases to deposits81.2193%2,686
Net loans and leases to core deposits81.3870%3,210
Total domestic deposits to total assets88.3090%1,471
Equity capital to assets11.4123%2,436
Core capital (leverage) ratio11.4426%2,007
Tier 1 risk-based capital ratio17.8890%1,994
Total risk-based capital ratio19.1434%1,948
Memoranda:
Average total assets$151,037,6003,554
Average earning assets$140,796,6003,527
Average equity$15,923,6003,687
Average total loans$110,179,6003,195
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9430%695
Cost of funding earning assets0.1357%5,882
Net interest margin4.8074%373
Noninterest income to average assets0.5462%3,070
Noninterest expense to average assets3.2489%1,829
Loan and lease loss provision to assets-0.2195%6,111
Net operating income to assets1.9976%366
Return on assets (ROA)1.9976%379
Pretax return on assets1.9976%602
Return on Equity (ROE)19.3358%316
Retained earnings to average equity (ytd only)7.5473%1,424
Net charge-offs to loans0.0132%3,713
Credit loss provision to net charge-offs-2,272.7273%5,613
Earnings coverage of net charge-offs (x)184.0443%387
Efficiency ratio64.6288%4,133
Assets per employee ($millions)4.1803%3,564
Cash dividends to net income (ytd only)*60.9671%1,371
Condition Ratios (%)
Loss allowance to loans1.3617%2,780
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.8673%2,708
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets75.7500%1,422
Net loans and leases to deposits85.3010%2,238
Net loans and leases to core deposits85.4779%2,903
Total domestic deposits to total assets88.8031%1,125
Equity capital to assets11.0185%3,006
Core capital (leverage) ratio10.7104%2,811
Tier 1 risk-based capital ratio16.7246%2,469
Total risk-based capital ratio17.9789%2,424
Memoranda:
Average total assets$151,843,5003,575
Average earning assets$141,528,7503,549
Average equity$15,687,2503,766
Average total loans$110,837,7503,211
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8904%746
Cost of funding earning assets0.1358%5,946
Net interest margin4.7546%393
Noninterest income to average assets0.6220%2,617
Noninterest expense to average assets3.4030%1,468
Loan and lease loss provision to assets-0.3253%6,237
Net operating income to assets1.9637%389
Return on assets (ROA)1.9637%405
Pretax return on assets1.9637%644
Return on Equity (ROE)19.4175%299
Retained earnings to average equity (ytd only)7.8365%1,329
Net charge-offs to loans0.0181%3,333
Credit loss provision to net charge-offs-2,500.0000%5,499
Earnings coverage of net charge-offs (x)125.9000%502
Efficiency ratio67.5013%3,744
Assets per employee ($millions)4.2052%3,460
Cash dividends to net income (ytd only)*59.6421%1,544
Condition Ratios (%)
Loss allowance to loans1.3645%2,913
Loan loss allowance to noncurrent loans823.1183%663
Noncurrent assets plus other real estate owned to assets0.9351%2,665
Noncurrent loans to loans0.1658%5,099
Net loans and leases to total assets71.1298%2,138
Net loans and leases to deposits79.2809%2,873
Net loans and leases to core deposits79.4334%3,449
Total domestic deposits to total assets89.7187%777
Equity capital to assets10.1849%3,821
Core capital (leverage) ratio10.4184%3,066
Tier 1 risk-based capital ratio16.2687%2,724
Total risk-based capital ratio17.5227%2,681
Memoranda:
Average total assets$153,688,3303,568
Average earning assets$142,851,0003,556
Average equity$15,542,6703,806
Average total loans$110,330,6703,245
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9440%630
Cost of funding earning assets0.1355%6,031
Net interest margin4.8085%346
Noninterest income to average assets0.7123%2,118
Noninterest expense to average assets3.8314%843
Loan and lease loss provision to assets-0.6547%6,365
Net operating income to assets1.9956%342
Return on assets (ROA)1.9956%360
Pretax return on assets1.9956%590
Return on Equity (ROE)19.8044%274
Retained earnings to average equity (ytd only)8.1089%1,528
Net charge-offs to loans-0.0037%4,432
Credit loss provision to net charge-offs25,000.0000%8
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0759%2,805
Assets per employee ($millions)3.9848%3,994
Cash dividends to net income (ytd only)*59.0551%1,459
Condition Ratios (%)
Loss allowance to loans1.3823%3,006
Loan loss allowance to noncurrent loans833.5135%637
Noncurrent assets plus other real estate owned to assets0.9356%2,760
Noncurrent loans to loans0.1658%5,175
Net loans and leases to total assets70.7902%2,021
Net loans and leases to deposits78.8121%2,704
Net loans and leases to core deposits79.1227%3,270
Total domestic deposits to total assets89.8216%831
Equity capital to assets10.0047%4,141
Core capital (leverage) ratio10.4137%3,082
Tier 1 risk-based capital ratio16.4453%2,709
Total risk-based capital ratio17.6997%2,648
Memoranda:
Average total assets$152,736,0003,611
Average earning assets$141,666,5003,596
Average equity$15,390,5003,858
Average total loans$109,394,0003,269
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1267%601
Cost of funding earning assets0.1586%6,049
Net interest margin4.9681%323
Noninterest income to average assets0.8032%1,862
Noninterest expense to average assets3.5020%1,473
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.8618%419
Return on assets (ROA)1.8618%432
Pretax return on assets1.8618%697
Return on Equity (ROE)18.0277%391
Retained earnings to average equity (ytd only)8.1523%966
Net charge-offs to loans0.1560%2,470
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)16.0424%2,040
Efficiency ratio65.2898%4,361
Assets per employee ($millions)3.4899%4,922
Cash dividends to net income (ytd only)*54.7790%2,020
Condition Ratios (%)
Loss allowance to loans1.6702%1,864
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.4414%1,909
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets70.2642%2,195
Net loans and leases to deposits78.3967%2,923
Net loans and leases to core deposits78.7174%3,441
Total domestic deposits to total assets89.6265%915
Equity capital to assets10.1509%3,923
Core capital (leverage) ratio10.5023%2,942
Tier 1 risk-based capital ratio15.8211%3,047
Total risk-based capital ratio17.0790%2,996
Memoranda:
Average total assets$142,174,0003,756
Average earning assets$130,513,0003,757
Average equity$14,683,0003,899
Average total loans$105,786,2003,307
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1533%573
Cost of funding earning assets0.1641%6,100
Net interest margin4.9893%304
Noninterest income to average assets0.9462%1,371
Noninterest expense to average assets3.4920%1,476
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets2.0237%333
Return on assets (ROA)2.0237%345
Pretax return on assets2.0237%537
Return on Equity (ROE)19.5061%312
Retained earnings to average equity (ytd only)10.3397%624
Net charge-offs to loans0.2049%1,833
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)13.1361%2,255
Efficiency ratio63.3103%4,660
Assets per employee ($millions)3.3002%5,237
Cash dividends to net income (ytd only)*46.9925%1,999
Condition Ratios (%)
Loss allowance to loans1.6779%2,042
Loan loss allowance to noncurrent loans7,475.0000%99
Noncurrent assets plus other real estate owned to assets1.8033%1,648
Noncurrent loans to loans0.0224%5,934
Net loans and leases to total assets74.0801%1,516
Net loans and leases to deposits83.0820%2,278
Net loans and leases to core deposits83.4474%2,948
Total domestic deposits to total assets89.1650%1,142
Equity capital to assets10.6906%3,317
Core capital (leverage) ratio10.7536%2,756
Tier 1 risk-based capital ratio15.6634%3,235
Total risk-based capital ratio16.9206%3,169
Memoranda:
Average total assets$140,201,2503,824
Average earning assets$128,405,7503,826
Average equity$14,545,5003,944
Average total loans$105,424,5003,347
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0946%618
Cost of funding earning assets0.1660%6,154
Net interest margin4.9286%325
Noninterest income to average assets0.8594%1,624
Noninterest expense to average assets3.5350%1,414
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.8334%461
Return on assets (ROA)1.8334%476
Pretax return on assets1.8334%790
Return on Equity (ROE)17.8559%473
Retained earnings to average equity (ytd only)9.4859%840
Net charge-offs to loans0.2726%1,453
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)8.9510%2,425
Efficiency ratio65.8485%4,387
Assets per employee ($millions)3.2807%5,290
Cash dividends to net income (ytd only)*46.8750%2,062
Condition Ratios (%)
Loss allowance to loans1.6806%2,179
Loan loss allowance to noncurrent loans205.7889%2,080
Noncurrent assets plus other real estate owned to assets2.2386%1,344
Noncurrent loans to loans0.8167%3,667
Net loans and leases to total assets75.1850%1,281
Net loans and leases to deposits84.0578%2,034
Net loans and leases to core deposits84.4278%2,694
Total domestic deposits to total assets89.4444%1,122
Equity capital to assets10.4379%3,519
Core capital (leverage) ratio10.4904%2,963
Tier 1 risk-based capital ratio15.2210%3,515
Total risk-based capital ratio16.4789%3,459
Memoranda:
Average total assets$139,631,6703,855
Average earning assets$127,743,3303,856
Average equity$14,337,0003,979
Average total loans$104,925,6703,361
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0049%708
Cost of funding earning assets0.1674%6,246
Net interest margin4.8375%360
Noninterest income to average assets0.4578%3,727
Noninterest expense to average assets3.4209%1,646
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.4484%901
Return on assets (ROA)1.4484%932
Pretax return on assets1.4484%1,589
Return on Equity (ROE)14.2261%901
Retained earnings to average equity (ytd only)5.7414%2,672
Net charge-offs to loans0.5452%677
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)3.5674%2,666
Efficiency ratio70.2543%3,792
Assets per employee ($millions)3.4071%5,139
Cash dividends to net income (ytd only)*59.6421%1,418
Condition Ratios (%)
Loss allowance to loans1.7367%2,226
Loan loss allowance to noncurrent loans141.2451%2,772
Noncurrent assets plus other real estate owned to assets2.9093%994
Noncurrent loans to loans1.2296%2,989
Net loans and leases to total assets73.5130%1,345
Net loans and leases to deposits82.0196%2,040
Net loans and leases to core deposits82.3855%2,699
Total domestic deposits to total assets89.6285%1,293
Equity capital to assets10.1975%3,605
Core capital (leverage) ratio10.4053%3,039
Tier 1 risk-based capital ratio15.6097%3,374
Total risk-based capital ratio16.8651%3,335
Memoranda:
Average total assets$138,911,5003,895
Average earning assets$126,676,0003,910
Average equity$14,143,0004,023
Average total loans$103,449,5003,399
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2503%578
Cost of funding earning assets0.2328%6,076
Net interest margin5.0175%302
Noninterest income to average assets0.2823%5,336
Noninterest expense to average assets3.6010%1,446
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.2286%1,456
Return on assets (ROA)1.2286%1,520
Pretax return on assets1.2286%2,465
Return on Equity (ROE)12.1618%1,370
Retained earnings to average equity (ytd only)5.1765%2,488
Net charge-offs to loans0.1486%3,316
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)10.6710%2,331
Efficiency ratio74.5617%3,037
Assets per employee ($millions)3.3691%5,161
Cash dividends to net income (ytd only)*57.4365%1,901
Condition Ratios (%)
Loss allowance to loans1.9103%1,762
Loan loss allowance to noncurrent loans197.3764%2,123
Noncurrent assets plus other real estate owned to assets2.7510%1,208
Noncurrent loans to loans0.9678%3,585
Net loans and leases to total assets72.7109%1,558
Net loans and leases to deposits81.6150%2,230
Net loans and leases to core deposits81.9854%2,898
Total domestic deposits to total assets89.0901%1,564
Equity capital to assets10.1649%3,550
Core capital (leverage) ratio10.1538%3,358
Tier 1 risk-based capital ratio15.0372%3,643
Total risk-based capital ratio16.2963%3,582
Memoranda:
Average total assets$134,628,4003,986
Average earning assets$122,013,0004,015
Average equity$13,600,0004,145
Average total loans$104,293,6003,360
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2863%544
Cost of funding earning assets0.2444%6,126
Net interest margin5.0419%294
Noninterest income to average assets0.1535%6,268
Noninterest expense to average assets3.5328%1,540
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.1862%1,676
Return on assets (ROA)1.1862%1,749
Pretax return on assets1.1862%2,759
Return on Equity (ROE)11.7617%1,553
Retained earnings to average equity (ytd only)5.3372%2,846
Net charge-offs to loans0.1909%2,697
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)7.9332%2,700
Efficiency ratio74.8627%2,932
Assets per employee ($millions)3.3565%5,172
Cash dividends to net income (ytd only)*54.6221%1,668
Condition Ratios (%)
Loss allowance to loans1.8948%2,020
Loan loss allowance to noncurrent loans103.4265%3,406
Noncurrent assets plus other real estate owned to assets2.8071%1,326
Noncurrent loans to loans1.8320%2,460
Net loans and leases to total assets73.8190%1,314
Net loans and leases to deposits82.8151%2,025
Net loans and leases to core deposits83.7733%2,674
Total domestic deposits to total assets89.1371%1,490
Equity capital to assets10.0825%3,792
Core capital (leverage) ratio10.2382%3,347
Tier 1 risk-based capital ratio14.8225%3,862
Total risk-based capital ratio16.0803%3,815
Memoranda:
Average total assets$133,752,5004,037
Average earning assets$121,114,7504,070
Average equity$13,489,7504,216
Average total loans$104,768,7503,370
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2967%531
Cost of funding earning assets0.2530%6,158
Net interest margin5.0436%288
Noninterest income to average assets-0.0317%6,831
Noninterest expense to average assets3.5164%1,569
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.9965%2,342
Return on assets (ROA)0.9965%2,482
Pretax return on assets0.9965%3,526
Return on Equity (ROE)9.8793%2,245
Retained earnings to average equity (ytd only)4.6403%3,304
Net charge-offs to loans0.2833%2,067
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)4.4295%3,134
Efficiency ratio77.9190%2,470
Assets per employee ($millions)3.4554%4,947
Cash dividends to net income (ytd only)*53.0303%1,738
Condition Ratios (%)
Loss allowance to loans1.8265%2,343
Loan loss allowance to noncurrent loans101.1340%3,425
Noncurrent assets plus other real estate owned to assets2.8984%1,411
Noncurrent loans to loans1.8060%2,633
Net loans and leases to total assets78.2543%716
Net loans and leases to deposits88.3091%1,305
Net loans and leases to core deposits89.9451%1,913
Total domestic deposits to total assets88.6140%1,837
Equity capital to assets10.1253%3,760
Core capital (leverage) ratio10.1863%3,254
Tier 1 risk-based capital ratio14.0313%4,400
Total risk-based capital ratio15.2894%4,354
Memoranda:
Average total assets$132,465,0004,089
Average earning assets$119,358,3304,131
Average equity$13,361,3304,266
Average total loans$105,175,6703,379
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2987%513
Cost of funding earning assets0.2570%6,238
Net interest margin5.0417%279
Noninterest income to average assets-0.6062%6,993
Noninterest expense to average assets3.5883%1,442
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3473%5,366
Return on assets (ROA)0.3473%5,510
Pretax return on assets0.3473%5,730
Return on Equity (ROE)3.4494%5,369
Retained earnings to average equity (ytd only)-7.1410%6,483
Net charge-offs to loans0.3998%1,453
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)1.0962%3,473
Efficiency ratio91.1765%1,053
Assets per employee ($millions)3.4324%5,131
Cash dividends to net income (ytd only)*307.0175%83
Condition Ratios (%)
Loss allowance to loans1.9164%2,258
Loan loss allowance to noncurrent loans158.2348%2,287
Noncurrent assets plus other real estate owned to assets2.4578%1,878
Noncurrent loans to loans1.2111%3,747
Net loans and leases to total assets76.7753%740
Net loans and leases to deposits86.3595%1,314
Net loans and leases to core deposits87.3615%1,973
Total domestic deposits to total assets88.9020%1,737
Equity capital to assets9.7877%4,437
Core capital (leverage) ratio10.0154%3,361
Tier 1 risk-based capital ratio13.7631%4,686
Total risk-based capital ratio15.0232%4,640
Memoranda:
Average total assets$131,316,5004,154
Average earning assets$118,294,0004,189
Average equity$13,219,5004,345
Average total loans$104,054,0003,418
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2619%995
Cost of funding earning assets0.3264%6,327
Net interest margin4.9355%423
Noninterest income to average assets0.3229%5,151
Noninterest expense to average assets3.8107%1,234
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.9597%2,500
Return on assets (ROA)1.0181%2,474
Pretax return on assets1.0181%3,481
Return on Equity (ROE)10.4950%1,972
Retained earnings to average equity (ytd only)8.6195%937
Net charge-offs to loans0.3105%3,092
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)4.0707%3,492
Efficiency ratio79.8824%2,164
Assets per employee ($millions)3.1408%5,760
Cash dividends to net income (ytd only)*17.8704%3,821
Condition Ratios (%)
Loss allowance to loans2.0440%1,905
Loan loss allowance to noncurrent loans132.5800%2,628
Noncurrent assets plus other real estate owned to assets3.8549%1,134
Noncurrent loans to loans1.5417%3,301
Net loans and leases to total assets78.6008%608
Net loans and leases to deposits89.6732%1,100
Net loans and leases to core deposits90.7693%1,742
Total domestic deposits to total assets87.6525%2,447
Equity capital to assets10.3571%3,684
Core capital (leverage) ratio10.0641%3,321
Tier 1 risk-based capital ratio13.9173%4,434
Total risk-based capital ratio15.1890%4,391
Memoranda:
Average total assets$131,918,8004,105
Average earning assets$118,874,2004,132
Average equity$12,796,6004,404
Average total loans$100,162,4003,520
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2310%1,135
Cost of funding earning assets0.3372%6,432
Net interest margin4.8938%479
Noninterest income to average assets0.5526%3,595
Noninterest expense to average assets3.6792%1,400
Loan and lease loss provision to assets0.4521%1,381
Net operating income to assets0.8249%3,319
Return on assets (ROA)0.9022%3,206
Pretax return on assets0.9022%4,088
Return on Equity (ROE)9.4562%2,613
Retained earnings to average equity (ytd only)6.9290%2,165
Net charge-offs to loans0.4133%2,437
Credit loss provision to net charge-offs146.1039%1,951
Earnings coverage of net charge-offs (x)4.1266%3,393
Efficiency ratio74.2347%2,947
Assets per employee ($millions)3.2341%5,576
Cash dividends to net income (ytd only)*26.7260%2,780
Condition Ratios (%)
Loss allowance to loans2.6143%1,067
Loan loss allowance to noncurrent loans305.1130%1,223
Noncurrent assets plus other real estate owned to assets3.6056%1,387
Noncurrent loans to loans0.8568%4,703
Net loans and leases to total assets72.0852%1,538
Net loans and leases to deposits81.5356%2,180
Net loans and leases to core deposits82.9551%2,829
Total domestic deposits to total assets88.4095%1,784
Equity capital to assets9.7232%4,894
Core capital (leverage) ratio9.5899%4,130
Tier 1 risk-based capital ratio13.7732%4,705
Total risk-based capital ratio15.0400%4,651
Memoranda:
Average total assets$132,705,7504,117
Average earning assets$119,412,7504,168
Average equity$12,661,5004,470
Average total loans$99,371,2503,573
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1914%1,278
Cost of funding earning assets0.3533%6,496
Net interest margin4.8381%530
Noninterest income to average assets0.5741%3,418
Noninterest expense to average assets3.7035%1,364
Loan and lease loss provision to assets0.4520%1,421
Net operating income to assets0.7925%3,423
Return on assets (ROA)0.9085%3,137
Pretax return on assets0.9085%4,043
Return on Equity (ROE)9.5833%2,538
Retained earnings to average equity (ytd only)9.5833%1,088
Net charge-offs to loans0.6234%1,763
Credit loss provision to net charge-offs96.4630%2,869
Earnings coverage of net charge-offs (x)2.6559%3,678
Efficiency ratio74.8477%2,927
Assets per employee ($millions)3.3370%5,366
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.4967%1,288
Loan loss allowance to noncurrent loans290.2527%1,235
Noncurrent assets plus other real estate owned to assets3.7369%1,393
Noncurrent loans to loans0.8602%4,786
Net loans and leases to total assets70.5684%1,812
Net loans and leases to deposits79.6681%2,429
Net loans and leases to core deposits81.0348%3,084
Total domestic deposits to total assets88.5780%1,770
Equity capital to assets9.6202%4,888
Core capital (leverage) ratio9.6957%3,843
Tier 1 risk-based capital ratio13.8447%4,559
Total risk-based capital ratio15.1094%4,526
Memoranda:
Average total assets$132,741,0004,145
Average earning assets$120,006,0004,173
Average equity$12,584,3304,483
Average total loans$99,778,0003,580
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2303%1,255
Cost of funding earning assets0.3777%6,512
Net interest margin4.8527%506
Noninterest income to average assets0.5983%3,241
Noninterest expense to average assets3.7561%1,288
Loan and lease loss provision to assets0.4533%1,360
Net operating income to assets0.7766%3,498
Return on assets (ROA)0.7766%3,737
Pretax return on assets0.7766%4,505
Return on Equity (ROE)8.2531%3,169
Retained earnings to average equity (ytd only)8.2531%1,880
Net charge-offs to loans0.1539%3,171
Credit loss provision to net charge-offs384.6154%806
Earnings coverage of net charge-offs (x)10.4359%1,759
Efficiency ratio75.3333%2,884
Assets per employee ($millions)3.1895%5,794
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5545%1,282
Loan loss allowance to noncurrent loans89.7909%3,346
Noncurrent assets plus other real estate owned to assets5.1987%982
Noncurrent loans to loans2.8450%2,269
Net loans and leases to total assets72.1306%1,381
Net loans and leases to deposits81.3060%2,018
Net loans and leases to core deposits82.6935%2,730
Total domestic deposits to total assets88.7150%1,878
Equity capital to assets9.3933%4,969
Core capital (leverage) ratio9.5189%4,025
Tier 1 risk-based capital ratio13.3701%4,921
Total risk-based capital ratio14.6380%4,899
Memoranda:
Average total assets$132,372,0004,178
Average earning assets$119,687,0004,204
Average equity$12,456,0004,517
Average total loans$101,364,0003,558
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2865%1,747
Cost of funding earning assets0.5398%6,385
Net interest margin4.7467%690
Noninterest income to average assets0.5511%3,497
Noninterest expense to average assets3.5350%1,901
Loan and lease loss provision to assets1.9238%328
Net operating income to assets-0.5756%6,538
Return on assets (ROA)-0.5460%6,563
Pretax return on assets-0.5460%6,522
Return on Equity (ROE)-5.5668%6,558
Retained earnings to average equity (ytd only)-6.7678%6,556
Net charge-offs to loans1.6091%982
Credit loss provision to net charge-offs152.1383%1,846
Earnings coverage of net charge-offs (x)1.0662%4,989
Efficiency ratio72.3908%3,501
Assets per employee ($millions)3.0416%6,003
Cash dividends to net income (ytd only)*-21.5739%7,297
Condition Ratios (%)
Loss allowance to loans2.3404%1,558
Loan loss allowance to noncurrent loans33.8170%5,952
Noncurrent assets plus other real estate owned to assets7.1903%634
Noncurrent loans to loans6.9209%645
Net loans and leases to total assets77.3372%790
Net loans and leases to deposits88.0542%1,373
Net loans and leases to core deposits89.6844%2,169
Total domestic deposits to total assets87.8291%2,262
Equity capital to assets9.4268%4,991
Core capital (leverage) ratio8.9938%4,799
Tier 1 risk-based capital ratio12.3681%5,562
Total risk-based capital ratio13.6325%5,524
Memoranda:
Average total assets$134,994,0004,074
Average earning assets$123,201,6004,068
Average equity$13,239,2004,293
Average total loans$106,083,2003,473
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2543%2,010
Cost of funding earning assets0.5743%6,412
Net interest margin4.6800%797
Noninterest income to average assets0.5145%3,760
Noninterest expense to average assets3.4370%2,104
Loan and lease loss provision to assets0.9016%990
Net operating income to assets0.4489%4,787
Return on assets (ROA)0.4881%4,784
Pretax return on assets0.4881%5,196
Return on Equity (ROE)4.9305%4,557
Retained earnings to average equity (ytd only)4.1979%3,746
Net charge-offs to loans0.5098%2,721
Credit loss provision to net charge-offs225.4902%1,269
Earnings coverage of net charge-offs (x)3.3774%3,464
Efficiency ratio71.7912%3,593
Assets per employee ($millions)3.2982%5,485
Cash dividends to net income (ytd only)*14.8589%3,130
Condition Ratios (%)
Loss allowance to loans1.9284%2,541
Loan loss allowance to noncurrent loans45.1755%5,312
Noncurrent assets plus other real estate owned to assets4.4690%1,345
Noncurrent loans to loans4.2687%1,532
Net loans and leases to total assets73.3687%1,438
Net loans and leases to deposits83.4768%2,097
Net loans and leases to core deposits85.3397%2,867
Total domestic deposits to total assets87.8912%2,095
Equity capital to assets9.6276%4,896
Core capital (leverage) ratio9.7389%3,791
Tier 1 risk-based capital ratio13.3179%4,870
Total risk-based capital ratio14.5861%4,829
Memoranda:
Average total assets$136,045,7504,079
Average earning assets$124,213,0004,080
Average equity$13,466,7504,253
Average total loans$106,711,2503,491
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3200%1,822
Cost of funding earning assets0.6206%6,361
Net interest margin4.6994%727
Noninterest income to average assets0.5726%3,317
Noninterest expense to average assets3.4641%2,080
Loan and lease loss provision to assets1.1482%697
Net operating income to assets0.2625%5,507
Return on assets (ROA)0.3176%5,436
Pretax return on assets0.3176%5,628
Return on Equity (ROE)3.1781%5,318
Retained earnings to average equity (ytd only)3.1781%4,248
Net charge-offs to loans0.5518%2,448
Credit loss provision to net charge-offs261.0169%1,166
Earnings coverage of net charge-offs (x)3.2068%3,268
Efficiency ratio71.0615%3,926
Assets per employee ($millions)3.2825%5,460
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.9040%2,660
Loan loss allowance to noncurrent loans40.0998%5,642
Noncurrent assets plus other real estate owned to assets5.0579%1,207
Noncurrent loans to loans4.7482%1,384
Net loans and leases to total assets75.0782%1,231
Net loans and leases to deposits86.3506%1,739
Net loans and leases to core deposits87.7302%2,677
Total domestic deposits to total assets86.9457%2,772
Equity capital to assets9.7220%4,509
Core capital (leverage) ratio9.7501%3,598
Tier 1 risk-based capital ratio13.0752%4,858
Total risk-based capital ratio14.3419%4,828
Memoranda:
Average total assets$134,120,3304,142
Average earning assets$122,781,0004,133
Average equity$13,404,3304,252
Average total loans$106,915,3303,525
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4029%1,546
Cost of funding earning assets0.6626%6,334
Net interest margin4.7403%653
Noninterest income to average assets0.5384%3,590
Noninterest expense to average assets3.4632%2,111
Loan and lease loss provision to assets0.4537%1,942
Net operating income to assets0.9709%2,278
Return on assets (ROA)1.0828%1,949
Pretax return on assets1.0828%2,821
Return on Equity (ROE)10.6826%1,837
Retained earnings to average equity (ytd only)10.6826%955
Net charge-offs to loans0.3345%2,720
Credit loss provision to net charge-offs166.6667%1,724
Earnings coverage of net charge-offs (x)5.2333%2,310
Efficiency ratio70.8540%4,084
Assets per employee ($millions)3.1600%5,817
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.5057%4,180
Loan loss allowance to noncurrent loans33.9001%6,037
Noncurrent assets plus other real estate owned to assets4.9624%1,269
Noncurrent loans to loans4.4415%1,580
Net loans and leases to total assets76.7856%905
Net loans and leases to deposits89.6497%1,272
Net loans and leases to core deposits91.3370%2,193
Total domestic deposits to total assets85.6507%3,708
Equity capital to assets9.9837%3,795
Core capital (leverage) ratio10.0373%3,099
Tier 1 risk-based capital ratio13.0739%4,770
Total risk-based capital ratio14.3366%4,743
Memoranda:
Average total assets$132,249,0004,203
Average earning assets$121,343,0004,190
Average equity$13,405,0004,241
Average total loans$107,616,0003,547
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1232%672
Cost of funding earning assets0.8827%6,229
Net interest margin5.2405%264
Noninterest income to average assets0.4867%4,272
Noninterest expense to average assets3.7871%1,510
Loan and lease loss provision to assets1.2363%1,254
Net operating income to assets0.1523%5,434
Return on assets (ROA)0.1478%5,605
Pretax return on assets0.1478%5,601
Return on Equity (ROE)1.4150%5,579
Retained earnings to average equity (ytd only)-4.8737%6,286
Net charge-offs to loans1.4363%1,540
Credit loss provision to net charge-offs106.7698%4,175
Earnings coverage of net charge-offs (x)1.1992%4,911
Efficiency ratio73.1718%3,565
Assets per employee ($millions)2.9911%6,117
Cash dividends to net income (ytd only)*444.4444%45
Condition Ratios (%)
Loss allowance to loans1.4035%4,491
Loan loss allowance to noncurrent loans49.7245%5,018
Noncurrent assets plus other real estate owned to assets3.8611%1,775
Noncurrent loans to loans2.8225%2,698
Net loans and leases to total assets83.7883%321
Net loans and leases to deposits98.2558%694
Net loans and leases to core deposits100.5252%1,573
Total domestic deposits to total assets85.2757%3,723
Equity capital to assets10.2972%3,391
Core capital (leverage) ratio9.7302%3,398
Tier 1 risk-based capital ratio12.3586%5,153
Total risk-based capital ratio13.6188%5,111
Memoranda:
Average total assets$133,953,4004,180
Average earning assets$119,855,2004,233
Average equity$13,993,4004,145
Average total loans$107,988,6003,593
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1308%718
Cost of funding earning assets0.9217%6,300
Net interest margin5.2091%289
Noninterest income to average assets0.6899%2,879
Noninterest expense to average assets3.7263%1,514
Loan and lease loss provision to assets0.4435%3,256
Net operating income to assets1.1541%1,725
Return on assets (ROA)1.1767%1,748
Pretax return on assets1.1767%2,576
Return on Equity (ROE)11.2262%1,719
Retained earnings to average equity (ytd only)4.5976%3,265
Net charge-offs to loans0.0966%5,565
Credit loss provision to net charge-offs576.9231%502
Earnings coverage of net charge-offs (x)20.7815%1,152
Efficiency ratio69.9926%4,070
Assets per employee ($millions)3.2374%5,598
Cash dividends to net income (ytd only)*59.0455%1,287
Condition Ratios (%)
Loss allowance to loans1.6964%3,163
Loan loss allowance to noncurrent loans27.7077%6,471
Noncurrent assets plus other real estate owned to assets6.3271%909
Noncurrent loans to loans6.1224%1,007
Net loans and leases to total assets76.7561%1,270
Net loans and leases to deposits91.0730%1,566
Net loans and leases to core deposits94.2765%2,490
Total domestic deposits to total assets84.2797%3,968
Equity capital to assets10.6523%3,344
Core capital (leverage) ratio10.4802%2,710
Tier 1 risk-based capital ratio13.2711%4,372
Total risk-based capital ratio14.5347%4,331
Memoranda:
Average total assets$135,287,5004,205
Average earning assets$120,351,0004,278
Average equity$14,180,7504,167
Average total loans$107,660,7503,643
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3296%484
Cost of funding earning assets0.9973%6,156
Net interest margin5.3323%235
Noninterest income to average assets0.6619%2,945
Noninterest expense to average assets3.7184%1,517
Loan and lease loss provision to assets0.4442%3,098
Net operating income to assets1.2024%1,551
Return on assets (ROA)1.2380%1,521
Pretax return on assets1.2380%2,299
Return on Equity (ROE)11.8753%1,484
Retained earnings to average equity (ytd only)4.5598%3,171
Net charge-offs to loans0.1442%4,787
Credit loss provision to net charge-offs384.6154%943
Earnings coverage of net charge-offs (x)14.2564%1,535
Efficiency ratio69.3072%4,315
Assets per employee ($millions)3.0689%5,999
Cash dividends to net income (ytd only)*61.6029%1,269
Condition Ratios (%)
Loss allowance to loans1.5527%3,659
Loan loss allowance to noncurrent loans65.4243%4,068
Noncurrent assets plus other real estate owned to assets3.6555%1,916
Noncurrent loans to loans2.3733%3,290
Net loans and leases to total assets77.4754%1,204
Net loans and leases to deposits92.6379%1,438
Net loans and leases to core deposits95.7382%2,473
Total domestic deposits to total assets83.6325%4,276
Equity capital to assets10.5643%3,331
Core capital (leverage) ratio10.2514%2,891
Tier 1 risk-based capital ratio13.2055%4,286
Total risk-based capital ratio14.4676%4,231
Memoranda:
Average total assets$135,059,6704,239
Average earning assets$119,123,6704,332
Average equity$14,079,6704,185
Average total loans$108,158,6703,677
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3469%492
Cost of funding earning assets0.9971%6,393
Net interest margin5.3498%223
Noninterest income to average assets0.6100%3,208
Noninterest expense to average assets3.7698%1,368
Loan and lease loss provision to assets0.4442%2,744
Net operating income to assets1.2260%1,474
Return on assets (ROA)1.2260%1,548
Pretax return on assets1.2260%2,280
Return on Equity (ROE)11.8396%1,536
Retained earnings to average equity (ytd only)1.8303%5,018
Net charge-offs to loans0.1576%3,982
Credit loss provision to net charge-offs348.8372%1,161
Earnings coverage of net charge-offs (x)13.1163%1,520
Efficiency ratio69.2978%4,448
Assets per employee ($millions)3.1254%5,935
Cash dividends to net income (ytd only)*84.5411%754
Condition Ratios (%)
Loss allowance to loans1.3900%4,466
Loan loss allowance to noncurrent loans79.0937%3,443
Noncurrent assets plus other real estate owned to assets3.2425%2,210
Noncurrent loans to loans1.7574%4,113
Net loans and leases to total assets79.2397%944
Net loans and leases to deposits96.4122%1,063
Net loans and leases to core deposits96.4122%2,539
Total domestic deposits to total assets82.1884%4,987
Equity capital to assets10.2096%3,595
Core capital (leverage) ratio10.4095%2,709
Tier 1 risk-based capital ratio12.3397%4,874
Total risk-based capital ratio13.5997%4,823
Memoranda:
Average total assets$135,074,5004,300
Average earning assets$121,949,5004,331
Average equity$13,987,0004,249
Average total loans$109,105,5003,703
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6234%538
Cost of funding earning assets1.4349%5,782
Net interest margin5.1885%300
Noninterest income to average assets0.6809%3,082
Noninterest expense to average assets3.7054%1,901
Loan and lease loss provision to assets0.4947%3,899
Net operating income to assets1.1651%1,345
Return on assets (ROA)1.2426%1,202
Pretax return on assets1.2426%1,846
Return on Equity (ROE)12.5280%1,049
Retained earnings to average equity (ytd only)9.0355%495
Net charge-offs to loans0.3193%4,651
Credit loss provision to net charge-offs189.7143%2,115
Earnings coverage of net charge-offs (x)6.3657%2,380
Efficiency ratio69.0641%4,815
Assets per employee ($millions)3.0144%6,193
Cash dividends to net income (ytd only)*27.8777%3,414
Condition Ratios (%)
Loss allowance to loans1.3267%4,612
Loan loss allowance to noncurrent loans887.5776%400
Noncurrent assets plus other real estate owned to assets2.5876%2,709
Noncurrent loans to loans0.1495%7,059
Net loans and leases to total assets80.1300%971
Net loans and leases to deposits95.5445%1,386
Net loans and leases to core deposits105.6830%3,373
Total domestic deposits to total assets83.8666%4,093
Equity capital to assets10.5058%3,172
Core capital (leverage) ratio10.3187%2,772
Tier 1 risk-based capital ratio12.5129%4,512
Total risk-based capital ratio13.7638%4,460
Memoranda:
Average total assets$134,235,0004,256
Average earning assets$121,191,2004,286
Average equity$13,314,2004,428
Average total loans$109,623,8003,707
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6017%612
Cost of funding earning assets1.5154%5,762
Net interest margin5.0863%377
Noninterest income to average assets0.7081%2,963
Noninterest expense to average assets3.7196%1,772
Loan and lease loss provision to assets0.5387%3,234
Net operating income to assets1.0468%1,912
Return on assets (ROA)1.1497%1,656
Pretax return on assets1.1497%2,416
Return on Equity (ROE)11.7633%1,429
Retained earnings to average equity (ytd only)9.7369%684
Net charge-offs to loans0.3560%3,863
Credit loss provision to net charge-offs185.0340%2,462
Earnings coverage of net charge-offs (x)5.4456%2,822
Efficiency ratio70.1139%4,570
Assets per employee ($millions)2.9279%6,334
Cash dividends to net income (ytd only)*17.2265%3,323
Condition Ratios (%)
Loss allowance to loans1.2660%4,716
Loan loss allowance to noncurrent loans210.8192%1,406
Noncurrent assets plus other real estate owned to assets3.0761%2,234
Noncurrent loans to loans0.6005%6,105
Net loans and leases to total assets78.9821%1,398
Net loans and leases to deposits95.1434%1,692
Net loans and leases to core deposits104.9207%3,832
Total domestic deposits to total assets83.0137%4,212
Equity capital to assets10.2231%3,822
Core capital (leverage) ratio10.0978%3,178
Tier 1 risk-based capital ratio12.2457%4,752
Total risk-based capital ratio13.4774%4,711
Memoranda:
Average total assets$134,635,7504,265
Average earning assets$121,683,2504,306
Average equity$13,159,2504,499
Average total loans$110,103,0003,732
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6194%640
Cost of funding earning assets1.5965%5,761
Net interest margin5.0229%410
Noninterest income to average assets0.6656%3,227
Noninterest expense to average assets3.7721%1,697
Loan and lease loss provision to assets0.5794%2,703
Net operating income to assets0.8528%2,641
Return on assets (ROA)1.0073%2,173
Pretax return on assets1.0073%2,980
Return on Equity (ROE)10.4662%1,859
Retained earnings to average equity (ytd only)7.3788%1,440
Net charge-offs to loans0.4401%3,050
Credit loss provision to net charge-offs159.8361%2,875
Earnings coverage of net charge-offs (x)3.9508%3,264
Efficiency ratio72.4807%4,318
Assets per employee ($millions)2.8877%6,425
Cash dividends to net income (ytd only)*29.4985%2,862
Condition Ratios (%)
Loss allowance to loans1.1433%5,313
Loan loss allowance to noncurrent loans92.7888%3,085
Noncurrent assets plus other real estate owned to assets3.3335%1,871
Noncurrent loans to loans1.2321%4,745
Net loans and leases to total assets82.0838%941
Net loans and leases to deposits98.4293%1,461
Net loans and leases to core deposits109.4662%3,436
Total domestic deposits to total assets83.3937%4,070
Equity capital to assets9.8536%4,144
Core capital (leverage) ratio9.8757%3,423
Tier 1 risk-based capital ratio11.4866%5,393
Total risk-based capital ratio12.5950%5,457
Memoranda:
Average total assets$134,619,3304,292
Average earning assets$121,642,0004,326
Average equity$12,956,0004,554
Average total loans$110,890,3303,746
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7104%571
Cost of funding earning assets1.6238%5,932
Net interest margin5.0866%335
Noninterest income to average assets0.5402%3,994
Noninterest expense to average assets3.6543%1,743
Loan and lease loss provision to assets0.5166%2,401
Net operating income to assets0.9741%2,426
Return on assets (ROA)1.1896%1,797
Pretax return on assets1.1896%2,664
Return on Equity (ROE)12.5063%1,512
Retained earnings to average equity (ytd only)12.5063%710
Net charge-offs to loans0.3669%2,627
Credit loss provision to net charge-offs171.5686%2,496
Earnings coverage of net charge-offs (x)4.9510%2,786
Efficiency ratio71.0270%4,366
Assets per employee ($millions)2.8669%6,482
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0782%5,617
Loan loss allowance to noncurrent loans120.1417%2,606
Noncurrent assets plus other real estate owned to assets2.6769%2,132
Noncurrent loans to loans0.8974%5,207
Net loans and leases to total assets80.8245%1,233
Net loans and leases to deposits99.7335%1,447
Net loans and leases to core deposits110.3057%3,392
Total domestic deposits to total assets81.0405%4,952
Equity capital to assets9.7436%4,315
Core capital (leverage) ratio9.5610%3,913
Tier 1 risk-based capital ratio11.4193%5,487
Total risk-based capital ratio12.4617%5,602
Memoranda:
Average total assets$135,511,5004,298
Average earning assets$122,676,0004,313
Average equity$12,889,5004,607
Average total loans$111,187,0003,762
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1718%790
Cost of funding earning assets1.8950%6,740
Net interest margin5.2768%292
Noninterest income to average assets0.7878%2,584
Noninterest expense to average assets3.9750%1,457
Loan and lease loss provision to assets0.6275%2,318
Net operating income to assets0.9789%2,643
Return on assets (ROA)1.0496%2,247
Pretax return on assets1.0496%3,211
Return on Equity (ROE)11.6295%1,704
Retained earnings to average equity (ytd only)8.2948%757
Net charge-offs to loans0.3846%2,899
Credit loss provision to net charge-offs200.9639%2,424
Earnings coverage of net charge-offs (x)5.1446%3,740
Efficiency ratio71.2187%4,082
Assets per employee ($millions)2.7256%6,728
Cash dividends to net income (ytd only)*28.6738%4,163
Condition Ratios (%)
Loss allowance to loans0.9922%6,129
Loan loss allowance to noncurrent loans70.5957%4,525
Noncurrent assets plus other real estate owned to assets4.2824%915
Noncurrent loans to loans1.4054%3,702
Net loans and leases to total assets81.5730%1,307
Net loans and leases to deposits101.9890%1,591
Net loans and leases to core deposits117.0095%3,005
Total domestic deposits to total assets79.9821%5,030
Equity capital to assets9.2825%4,956
Core capital (leverage) ratio9.0999%4,595
Tier 1 risk-based capital ratio10.5228%6,187
Total risk-based capital ratio11.4530%6,379
Memoranda:
Average total assets$132,904,2004,220
Average earning assets$120,736,6004,239
Average equity$11,995,4004,827
Average total loans$107,891,6003,740