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Partners Bank of Wisconsin, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9602%3,180
Cost of funding earning assets1.5330%3,120
Net interest margin3.4272%2,499
Noninterest income to average assets0.1600%3,792
Noninterest expense to average assets2.0346%3,491
Loan and lease loss provision to assets0.0700%1,663
Net operating income to assets0.9583%2,390
Return on assets (ROA)1.1838%1,775
Pretax return on assets1.4083%1,723
Return on Equity (ROE)9.3400%2,512
Retained earnings to average equity (ytd only)9.3396%1,353
Net charge-offs to loans-0.0614%4,327
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio62.7886%2,628
Assets per employee ($millions)7.4741%1,904
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.3741%1,390
Loan loss allowance to noncurrent loans359.4635%1,459
Noncurrent assets plus other real estate owned to assets0.2494%2,292
Noncurrent loans to loans0.3823%2,166
Net loans and leases to total assets64.3400%2,464
Net loans and leases to deposits84.1221%1,674
Net loans and leases to core deposits89.1056%2,110
Total domestic deposits to total assets76.4900%3,941
Equity capital to assets13.0997%895
Core capital (leverage) ratio14.2638%737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$272,676,0002,612
Average earning assets$244,748,5002,654
Average equity$34,562,5002,249
Average total loans$175,992,5002,562
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8166%3,401
Cost of funding earning assets1.8407%2,624
Net interest margin2.9759%3,187
Noninterest income to average assets0.2300%3,513
Noninterest expense to average assets1.8584%3,864
Loan and lease loss provision to assets0.0200%2,766
Net operating income to assets0.8928%2,410
Return on assets (ROA)0.9570%2,194
Pretax return on assets1.1296%2,160
Return on Equity (ROE)8.1100%2,732
Retained earnings to average equity (ytd only)5.3958%2,066
Net charge-offs to loans-0.0034%3,850
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio62.2662%2,915
Assets per employee ($millions)7.6746%1,729
Cash dividends to net income (ytd only)*33.4697%2,434
Condition Ratios (%)
Loss allowance to loans1.3228%1,577
Loan loss allowance to noncurrent loans242.3676%1,949
Noncurrent assets plus other real estate owned to assets0.3486%1,876
Noncurrent loans to loans0.5458%1,713
Net loans and leases to total assets63.0200%2,667
Net loans and leases to deposits82.3986%1,921
Net loans and leases to core deposits87.2984%2,309
Total domestic deposits to total assets76.4800%3,914
Equity capital to assets12.2620%1,085
Core capital (leverage) ratio13.6134%883
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$280,991,4002,550
Average earning assets$255,012,8002,570
Average equity$33,155,4002,252
Average total loans$174,576,2002,538
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7281%3,493
Cost of funding earning assets1.8674%2,555
Net interest margin2.8607%3,351
Noninterest income to average assets0.2200%3,570
Noninterest expense to average assets1.8390%3,866
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.8443%2,540
Return on assets (ROA)0.9294%2,294
Pretax return on assets1.0962%2,257
Return on Equity (ROE)7.9500%2,779
Retained earnings to average equity (ytd only)7.8523%1,437
Net charge-offs to loans-0.0092%3,987
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio63.2833%2,789
Assets per employee ($millions)8.3663%1,318
Cash dividends to net income (ytd only)*1.2710%3,000
Condition Ratios (%)
Loss allowance to loans1.3267%1,600
Loan loss allowance to noncurrent loans305.9133%1,713
Noncurrent assets plus other real estate owned to assets0.2599%2,192
Noncurrent loans to loans0.4337%1,997
Net loans and leases to total assets59.1300%3,000
Net loans and leases to deposits76.5350%2,480
Net loans and leases to core deposits80.6729%2,766
Total domestic deposits to total assets77.2600%3,798
Equity capital to assets12.0210%1,283
Core capital (leverage) ratio12.7745%1,177
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$282,168,2502,538
Average earning assets$257,458,7502,556
Average equity$32,974,7502,255
Average total loans$174,108,2502,540
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5606%3,684
Cost of funding earning assets1.7632%2,716
Net interest margin2.7973%3,427
Noninterest income to average assets0.2600%3,278
Noninterest expense to average assets1.8721%3,811
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.7880%2,664
Return on assets (ROA)0.9174%2,262
Pretax return on assets1.0775%2,272
Return on Equity (ROE)7.9300%2,751
Retained earnings to average equity (ytd only)7.9298%1,388
Net charge-offs to loans-0.0127%4,029
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio64.4855%2,708
Assets per employee ($millions)7.6015%1,674
Cash dividends to net income (ytd only)*0.0000%2,897
Condition Ratios (%)
Loss allowance to loans1.3276%1,628
Loan loss allowance to noncurrent loans341.7034%1,668
Noncurrent assets plus other real estate owned to assets0.2421%2,211
Noncurrent loans to loans0.3885%2,024
Net loans and leases to total assets61.5000%2,813
Net loans and leases to deposits80.5014%2,160
Net loans and leases to core deposits85.0142%2,462
Total domestic deposits to total assets76.3900%3,866
Equity capital to assets11.6237%1,299
Core capital (leverage) ratio13.3854%964
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$278,617,3332,555
Average earning assets$253,170,6672,573
Average equity$32,233,0002,258
Average total loans$173,652,0002,542
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4593%3,739
Cost of funding earning assets1.7401%2,667
Net interest margin2.7192%3,529
Noninterest income to average assets0.3400%2,684
Noninterest expense to average assets1.8911%3,795
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.7729%2,620
Return on assets (ROA)1.0328%1,851
Pretax return on assets1.2175%1,854
Return on Equity (ROE)8.9500%2,404
Retained earnings to average equity (ytd only)8.9490%1,335
Net charge-offs to loans-0.0139%4,019
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio64.5394%2,750
Assets per employee ($millions)7.6251%1,677
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.3511%1,564
Loan loss allowance to noncurrent loans360.5590%1,687
Noncurrent assets plus other real estate owned to assets0.2283%2,219
Noncurrent loans to loans0.3747%2,009
Net loans and leases to total assets60.0900%2,846
Net loans and leases to deposits77.7675%2,257
Net loans and leases to core deposits82.1659%2,554
Total domestic deposits to total assets77.2700%3,878
Equity capital to assets11.4229%1,337
Core capital (leverage) ratio13.4189%932
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$277,299,0002,565
Average earning assets$251,248,5002,586
Average equity$32,003,5002,270
Average total loans$172,835,5002,551
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0744%3,846
Cost of funding earning assets1.2750%2,584
Net interest margin2.7994%3,663
Noninterest income to average assets0.2000%3,754
Noninterest expense to average assets1.9277%3,775
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.6533%3,304
Return on assets (ROA)0.7395%3,061
Pretax return on assets0.9000%2,962
Return on Equity (ROE)6.4200%3,444
Retained earnings to average equity (ytd only)3.8121%3,025
Net charge-offs to loans-0.0131%4,039
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio67.6605%2,146
Assets per employee ($millions)7.5686%1,679
Cash dividends to net income (ytd only)*40.6504%2,059
Condition Ratios (%)
Loss allowance to loans1.3325%1,639
Loan loss allowance to noncurrent loans354.1284%1,824
Noncurrent assets plus other real estate owned to assets0.2400%2,015
Noncurrent loans to loans0.3763%1,861
Net loans and leases to total assets62.9400%2,580
Net loans and leases to deposits84.6355%1,724
Net loans and leases to core deposits88.9290%2,116
Total domestic deposits to total assets74.3700%4,077
Equity capital to assets11.6636%1,235
Core capital (leverage) ratio13.2523%981
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$266,113,8002,588
Average earning assets$239,767,4002,631
Average equity$30,639,4002,238
Average total loans$168,427,6002,535
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9523%3,916
Cost of funding earning assets1.1745%2,513
Net interest margin2.7778%3,762
Noninterest income to average assets0.2000%3,768
Noninterest expense to average assets1.9400%3,735
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.6098%3,522
Return on assets (ROA)0.7213%3,238
Pretax return on assets0.9123%3,074
Return on Equity (ROE)6.2900%3,589
Retained earnings to average equity (ytd only)6.2856%2,542
Net charge-offs to loans-0.0136%4,023
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio68.3770%1,977
Assets per employee ($millions)7.5518%1,600
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.3448%1,674
Loan loss allowance to noncurrent loans342.8783%1,841
Noncurrent assets plus other real estate owned to assets0.2550%1,996
Noncurrent loans to loans0.3922%1,851
Net loans and leases to total assets64.1400%2,430
Net loans and leases to deposits85.2058%1,638
Net loans and leases to core deposits90.8952%1,861
Total domestic deposits to total assets75.2800%4,071
Equity capital to assets11.2511%1,257
Core capital (leverage) ratio13.5612%921
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$264,524,5002,605
Average earning assets$239,079,5002,638
Average equity$30,354,2502,237
Average total loans$167,081,5002,551
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8506%3,947
Cost of funding earning assets1.0720%2,376
Net interest margin2.7786%3,853
Noninterest income to average assets0.4200%2,314
Noninterest expense to average assets1.9577%3,695
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.7748%3,156
Return on assets (ROA)0.7687%3,181
Pretax return on assets0.9645%3,007
Return on Equity (ROE)6.6600%3,551
Retained earnings to average equity (ytd only)6.6558%2,393
Net charge-offs to loans-0.0145%4,033
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio63.8803%2,500
Assets per employee ($millions)7.2993%1,721
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.3961%1,548
Loan loss allowance to noncurrent loans172.3468%2,775
Noncurrent assets plus other real estate owned to assets0.5092%1,064
Noncurrent loans to loans0.8101%940
Net loans and leases to total assets61.9800%2,577
Net loans and leases to deposits79.5074%2,014
Net loans and leases to core deposits84.6231%2,169
Total domestic deposits to total assets77.9500%3,853
Equity capital to assets11.8139%1,101
Core capital (leverage) ratio13.3525%918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$264,595,0002,608
Average earning assets$239,181,0002,641
Average equity$30,559,6672,243
Average total loans$165,493,6672,555
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7541%3,939
Cost of funding earning assets0.9206%2,307
Net interest margin2.8335%3,898
Noninterest income to average assets0.6400%1,279
Noninterest expense to average assets1.9525%3,741
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.9746%2,609
Return on assets (ROA)0.9627%2,609
Pretax return on assets1.2278%2,357
Return on Equity (ROE)8.4300%3,192
Retained earnings to average equity (ytd only)8.4308%2,102
Net charge-offs to loans-0.0169%4,046
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio58.4158%3,143
Assets per employee ($millions)7.4835%1,631
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.4042%1,604
Loan loss allowance to noncurrent loans281.2958%2,284
Noncurrent assets plus other real estate owned to assets0.3123%1,607
Noncurrent loans to loans0.4992%1,469
Net loans and leases to total assets61.6800%2,493
Net loans and leases to deposits77.7890%1,983
Net loans and leases to core deposits81.9347%2,119
Total domestic deposits to total assets79.3000%3,868
Equity capital to assets11.8627%1,040
Core capital (leverage) ratio13.1644%926
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$265,505,0002,639
Average earning assets$239,418,0002,674
Average equity$30,317,5002,279
Average total loans$165,656,0002,582
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4164%3,303
Cost of funding earning assets0.3692%2,339
Net interest margin3.0472%3,317
Noninterest income to average assets0.4300%2,497
Noninterest expense to average assets1.8758%3,881
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets1.0127%2,518
Return on assets (ROA)1.0127%2,467
Pretax return on assets1.2873%2,133
Return on Equity (ROE)8.6100%3,227
Retained earnings to average equity (ytd only)6.0406%2,632
Net charge-offs to loans-0.0025%3,489
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio56.0976%3,575
Assets per employee ($millions)7.4747%1,633
Cash dividends to net income (ytd only)*29.8396%2,436
Condition Ratios (%)
Loss allowance to loans1.3700%1,604
Loan loss allowance to noncurrent loans316.8508%2,131
Noncurrent assets plus other real estate owned to assets0.2691%1,809
Noncurrent loans to loans0.4324%1,629
Net loans and leases to total assets61.3800%2,503
Net loans and leases to deposits78.5905%1,886
Net loans and leases to core deposits81.9590%2,008
Total domestic deposits to total assets78.1000%4,081
Equity capital to assets10.9867%1,259
Core capital (leverage) ratio12.6822%1,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$264,735,8002,636
Average earning assets$239,956,8002,670
Average equity$31,139,4002,289
Average total loans$158,712,2002,549
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3200%3,126
Cost of funding earning assets0.2737%2,448
Net interest margin3.0463%3,094
Noninterest income to average assets0.5000%2,161
Noninterest expense to average assets1.8636%3,835
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.1009%2,087
Return on assets (ROA)1.1009%2,055
Pretax return on assets1.4059%1,697
Return on Equity (ROE)9.2000%2,972
Retained earnings to average equity (ytd only)9.2049%1,576
Net charge-offs to loans0.0009%2,298
Credit loss provision to net charge-offs700.0000%514
Earnings coverage of net charge-offs (x)2,787.0000%40
Efficiency ratio54.2954%3,795
Assets per employee ($millions)7.3843%1,686
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.3333%1,876
Loan loss allowance to noncurrent loans240.9534%2,465
Noncurrent assets plus other real estate owned to assets0.3472%1,561
Noncurrent loans to loans0.5534%1,437
Net loans and leases to total assets61.9100%2,302
Net loans and leases to deposits76.5097%1,834
Net loans and leases to core deposits78.5384%2,003
Total domestic deposits to total assets80.9200%3,994
Equity capital to assets10.8613%1,228
Core capital (leverage) ratio12.8512%946
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$263,647,7502,660
Average earning assets$239,631,0002,688
Average equity$31,533,2502,293
Average total loans$156,528,2502,574
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2023%3,040
Cost of funding earning assets0.2213%2,635
Net interest margin2.9810%2,937
Noninterest income to average assets0.6466%1,557
Noninterest expense to average assets1.8637%3,800
Loan and lease loss provision to assets0.0053%2,509
Net operating income to assets1.1699%1,537
Return on assets (ROA)1.1699%1,515
Pretax return on assets1.4925%1,191
Return on Equity (ROE)9.4880%2,527
Retained earnings to average equity (ytd only)9.4880%1,140
Net charge-offs to loans0.0013%2,088
Credit loss provision to net charge-offs700.0000%514
Earnings coverage of net charge-offs (x)1,969.0000%50
Efficiency ratio52.8626%4,057
Assets per employee ($millions)7.2456%1,773
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.3834%1,819
Loan loss allowance to noncurrent loans242.5300%2,415
Noncurrent assets plus other real estate owned to assets0.3516%1,597
Noncurrent loans to loans0.5704%1,484
Net loans and leases to total assets60.7813%2,238
Net loans and leases to deposits76.8621%1,624
Net loans and leases to core deposits79.0264%1,776
Total domestic deposits to total assets79.0784%4,294
Equity capital to assets11.6048%996
Core capital (leverage) ratio13.0148%817
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$262,919,0002,690
Average earning assets$239,449,6672,726
Average equity$32,420,0002,299
Average total loans$153,105,0002,612
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1239%2,899
Cost of funding earning assets0.2249%2,466
Net interest margin2.8990%2,843
Noninterest income to average assets0.4273%2,511
Noninterest expense to average assets1.8351%3,854
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9635%2,023
Return on assets (ROA)1.4639%683
Pretax return on assets1.8624%479
Return on Equity (ROE)11.5361%1,440
Retained earnings to average equity (ytd only)11.5361%668
Net charge-offs to loans0.0027%1,698
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)811.0000%114
Efficiency ratio57.0722%3,773
Assets per employee ($millions)7.8603%1,464
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.4632%1,675
Loan loss allowance to noncurrent loans233.1230%2,415
Noncurrent assets plus other real estate owned to assets0.3666%1,645
Noncurrent loans to loans0.6277%1,494
Net loans and leases to total assets57.5576%2,349
Net loans and leases to deposits70.4691%1,922
Net loans and leases to core deposits72.8517%2,036
Total domestic deposits to total assets81.6777%4,118
Equity capital to assets12.3421%845
Core capital (leverage) ratio12.6640%852
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$263,958,5002,698
Average earning assets$240,086,5002,738
Average equity$33,495,0002,308
Average total loans$149,274,5002,636
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5010%2,656
Cost of funding earning assets0.3110%2,287
Net interest margin3.1901%2,626
Noninterest income to average assets0.2106%4,111
Noninterest expense to average assets1.9611%3,792
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.9009%3,042
Return on assets (ROA)0.9554%2,920
Pretax return on assets1.2235%2,592
Return on Equity (ROE)6.9091%3,539
Retained earnings to average equity (ytd only)4.7294%2,901
Net charge-offs to loans-0.0470%4,302
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0560%3,135
Assets per employee ($millions)7.6722%1,516
Cash dividends to net income (ytd only)*31.5484%2,462
Condition Ratios (%)
Loss allowance to loans1.5085%1,516
Loan loss allowance to noncurrent loans211.2381%2,509
Noncurrent assets plus other real estate owned to assets0.3910%1,661
Noncurrent loans to loans0.7141%1,425
Net loans and leases to total assets53.9296%2,863
Net loans and leases to deposits66.2228%2,493
Net loans and leases to core deposits68.8888%2,563
Total domestic deposits to total assets81.4366%4,050
Equity capital to assets13.0251%891
Core capital (leverage) ratio12.4748%936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$252,149,8002,711
Average earning assets$229,617,6002,750
Average equity$34,867,0002,298
Average total loans$144,750,0002,680
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5661%2,645
Cost of funding earning assets0.3294%2,308
Net interest margin3.2367%2,620
Noninterest income to average assets0.2123%4,131
Noninterest expense to average assets1.9861%3,724
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.9216%3,176
Return on assets (ROA)0.9955%2,999
Pretax return on assets1.2771%2,683
Return on Equity (ROE)7.0875%3,647
Retained earnings to average equity (ytd only)7.0875%2,385
Net charge-offs to loans-0.0647%4,455
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7592%3,014
Assets per employee ($millions)7.6434%1,476
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5171%1,562
Loan loss allowance to noncurrent loans208.8429%2,475
Noncurrent assets plus other real estate owned to assets0.4090%1,825
Noncurrent loans to loans0.7264%1,539
Net loans and leases to total assets55.4550%2,797
Net loans and leases to deposits69.5939%2,282
Net loans and leases to core deposits72.7359%2,349
Total domestic deposits to total assets79.6836%4,271
Equity capital to assets13.6397%820
Core capital (leverage) ratio13.0072%844
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$248,055,2502,761
Average earning assets$226,646,5002,790
Average equity$34,839,7502,329
Average total loans$144,179,0002,723
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5129%2,859
Cost of funding earning assets0.3550%2,272
Net interest margin3.1579%2,877
Noninterest income to average assets0.2114%4,141
Noninterest expense to average assets1.9958%3,713
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.8533%3,356
Return on assets (ROA)0.9659%3,095
Pretax return on assets1.2371%2,812
Return on Equity (ROE)6.8076%3,702
Retained earnings to average equity (ytd only)6.8076%2,498
Net charge-offs to loans-0.0014%3,128
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5589%2,790
Assets per employee ($millions)6.8792%1,890
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.5145%1,543
Loan loss allowance to noncurrent loans187.8603%2,552
Noncurrent assets plus other real estate owned to assets0.4623%1,805
Noncurrent loans to loans0.8062%1,520
Net loans and leases to total assets56.4795%2,841
Net loans and leases to deposits71.9366%2,211
Net loans and leases to core deposits75.6012%2,278
Total domestic deposits to total assets78.5129%4,382
Equity capital to assets14.1796%680
Core capital (leverage) ratio13.0747%785
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$244,115,6672,780
Average earning assets$222,551,0002,814
Average equity$34,637,6672,328
Average total loans$143,461,0002,749
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5412%2,807
Cost of funding earning assets0.3848%2,219
Net interest margin3.1564%2,816
Noninterest income to average assets0.1931%4,231
Noninterest expense to average assets1.9773%3,789
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8377%3,303
Return on assets (ROA)1.0646%2,673
Pretax return on assets1.3732%2,356
Return on Equity (ROE)7.5003%3,471
Retained earnings to average equity (ytd only)7.5003%2,412
Net charge-offs to loans-0.0028%3,204
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4763%2,845
Assets per employee ($millions)6.8254%1,914
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5030%1,596
Loan loss allowance to noncurrent loans199.1667%2,381
Noncurrent assets plus other real estate owned to assets0.5344%1,775
Noncurrent loans to loans0.7546%1,728
Net loans and leases to total assets57.3702%2,868
Net loans and leases to deposits73.0553%2,207
Net loans and leases to core deposits77.4236%2,228
Total domestic deposits to total assets78.5298%4,381
Equity capital to assets13.9960%675
Core capital (leverage) ratio13.1852%801
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$242,348,0002,781
Average earning assets$220,375,5002,818
Average equity$34,398,5002,336
Average total loans$144,180,0002,746
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8809%3,079
Cost of funding earning assets0.6110%2,233
Net interest margin3.2699%3,159
Noninterest income to average assets0.2421%4,044
Noninterest expense to average assets2.1294%3,873
Loan and lease loss provision to assets0.0396%3,909
Net operating income to assets0.8348%2,960
Return on assets (ROA)0.8633%2,988
Pretax return on assets1.0988%2,696
Return on Equity (ROE)5.8195%3,631
Retained earnings to average equity (ytd only)3.7718%2,935
Net charge-offs to loans0.0696%1,797
Credit loss provision to net charge-offs90.9091%2,924
Earnings coverage of net charge-offs (x)25.2929%1,745
Efficiency ratio62.7844%3,010
Assets per employee ($millions)6.4590%1,945
Cash dividends to net income (ytd only)*35.1861%2,605
Condition Ratios (%)
Loss allowance to loans1.4803%1,655
Loan loss allowance to noncurrent loans194.3942%2,392
Noncurrent assets plus other real estate owned to assets0.5603%1,887
Noncurrent loans to loans0.7615%1,804
Net loans and leases to total assets59.8758%2,879
Net loans and leases to deposits76.7765%2,200
Net loans and leases to core deposits81.8727%2,204
Total domestic deposits to total assets77.9871%4,317
Equity capital to assets14.3973%702
Core capital (leverage) ratio13.1629%856
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$227,157,6002,746
Average earning assets$207,681,4002,760
Average equity$33,697,0002,303
Average total loans$142,211,2002,725
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8760%3,334
Cost of funding earning assets0.6565%2,291
Net interest margin3.2195%3,430
Noninterest income to average assets0.2527%3,961
Noninterest expense to average assets2.1254%3,883
Loan and lease loss provision to assets0.0268%3,999
Net operating income to assets0.8267%2,990
Return on assets (ROA)0.8653%2,979
Pretax return on assets1.1037%2,735
Return on Equity (ROE)5.7875%3,621
Retained earnings to average equity (ytd only)5.7875%2,186
Net charge-offs to loans-0.0066%4,120
Credit loss provision to net charge-offs-642.8571%3,831
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1003%2,900
Assets per employee ($millions)6.4266%1,892
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.5104%1,352
Loan loss allowance to noncurrent loans140.6489%2,807
Noncurrent assets plus other real estate owned to assets0.6611%1,749
Noncurrent loans to loans1.0739%1,396
Net loans and leases to total assets60.6314%3,149
Net loans and leases to deposits77.7402%2,557
Net loans and leases to core deposits83.0265%2,582
Total domestic deposits to total assets77.9924%4,207
Equity capital to assets14.5261%723
Core capital (leverage) ratio13.3180%871
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$224,201,2502,742
Average earning assets$205,738,0002,762
Average equity$33,519,5002,302
Average total loans$141,453,2502,741
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9431%3,491
Cost of funding earning assets0.7122%2,321
Net interest margin3.2309%3,574
Noninterest income to average assets0.2686%3,869
Noninterest expense to average assets2.1832%3,842
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.8196%2,975
Return on assets (ROA)0.8786%2,894
Pretax return on assets1.1253%2,632
Return on Equity (ROE)5.8169%3,576
Retained earnings to average equity (ytd only)5.8169%2,148
Net charge-offs to loans-0.0057%4,049
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3018%2,782
Assets per employee ($millions)6.1908%2,033
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.4908%1,290
Loan loss allowance to noncurrent loans135.0187%2,759
Noncurrent assets plus other real estate owned to assets0.6994%1,758
Noncurrent loans to loans1.1042%1,423
Net loans and leases to total assets62.3956%3,081
Net loans and leases to deposits80.1975%2,399
Net loans and leases to core deposits86.6364%2,386
Total domestic deposits to total assets77.8024%4,213
Equity capital to assets14.8637%642
Core capital (leverage) ratio13.6068%849
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$219,673,0002,757
Average earning assets$201,617,3332,767
Average equity$33,179,0002,311
Average total loans$139,809,6672,751
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1167%3,477
Cost of funding earning assets0.7961%2,418
Net interest margin3.3207%3,543
Noninterest income to average assets0.3386%3,489
Noninterest expense to average assets2.2402%3,910
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.8786%2,586
Return on assets (ROA)0.9992%2,283
Pretax return on assets1.2857%1,910
Return on Equity (ROE)6.5598%3,114
Retained earnings to average equity (ytd only)6.5598%1,693
Net charge-offs to loans-0.0087%4,029
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2653%3,333
Assets per employee ($millions)5.7843%1,857
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5937%1,086
Loan loss allowance to noncurrent loans89.9334%3,391
Noncurrent assets plus other real estate owned to assets1.1233%1,145
Noncurrent loans to loans1.7721%848
Net loans and leases to total assets62.3751%3,257
Net loans and leases to deposits78.6749%2,820
Net loans and leases to core deposits85.9096%2,689
Total domestic deposits to total assets79.2821%4,001
Equity capital to assets15.5071%672
Core capital (leverage) ratio14.0697%896
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$214,979,0002,748
Average earning assets$196,466,0002,769
Average equity$32,745,0002,315
Average total loans$137,171,0002,751
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3738%3,320
Cost of funding earning assets0.8352%2,509
Net interest margin3.5386%3,319
Noninterest income to average assets0.2521%4,168
Noninterest expense to average assets2.3624%3,799
Loan and lease loss provision to assets0.1670%1,249
Net operating income to assets0.7029%3,863
Return on assets (ROA)1.1108%2,490
Pretax return on assets1.4452%1,997
Return on Equity (ROE)7.5870%3,331
Retained earnings to average equity (ytd only)5.4583%2,185
Net charge-offs to loans0.2206%927
Credit loss provision to net charge-offs114.6965%2,193
Earnings coverage of net charge-offs (x)7.5272%2,867
Efficiency ratio65.2455%2,883
Assets per employee ($millions)5.8362%1,763
Cash dividends to net income (ytd only)*28.0570%3,157
Condition Ratios (%)
Loss allowance to loans1.5568%1,073
Loan loss allowance to noncurrent loans118.6916%2,984
Noncurrent assets plus other real estate owned to assets0.8803%1,448
Noncurrent loans to loans1.3116%1,144
Net loans and leases to total assets63.2245%3,289
Net loans and leases to deposits78.9607%2,908
Net loans and leases to core deposits86.0945%2,785
Total domestic deposits to total assets80.0709%3,966
Equity capital to assets14.9588%806
Core capital (leverage) ratio13.8034%979
Tier 1 risk-based capital ratio18.6739%1,594
Total risk-based capital ratio19.9257%1,563
Memoranda:
Average total assets$214,989,2002,709
Average earning assets$194,796,4002,752
Average equity$31,475,0002,322
Average total loans$141,866,6002,701
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4096%3,320
Cost of funding earning assets0.8379%2,520
Net interest margin3.5716%3,325
Noninterest income to average assets0.2583%4,197
Noninterest expense to average assets2.3400%3,852
Loan and lease loss provision to assets0.1298%1,490
Net operating income to assets0.7631%3,797
Return on assets (ROA)1.3075%1,912
Pretax return on assets1.7142%1,301
Return on Equity (ROE)8.9801%2,900
Retained earnings to average equity (ytd only)8.9801%1,051
Net charge-offs to loans0.2794%627
Credit loss provision to net charge-offs69.8997%2,622
Earnings coverage of net charge-offs (x)6.2207%2,855
Efficiency ratio63.9190%3,022
Assets per employee ($millions)5.7983%1,765
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.4312%1,460
Loan loss allowance to noncurrent loans108.4137%3,189
Noncurrent assets plus other real estate owned to assets0.9243%1,465
Noncurrent loans to loans1.3201%1,168
Net loans and leases to total assets64.9419%3,183
Net loans and leases to deposits81.7419%2,718
Net loans and leases to core deposits88.8620%2,647
Total domestic deposits to total assets79.4475%4,095
Equity capital to assets15.2532%779
Core capital (leverage) ratio13.9983%982
Tier 1 risk-based capital ratio18.7912%1,613
Total risk-based capital ratio20.0418%1,580
Memoranda:
Average total assets$214,751,5002,731
Average earning assets$194,602,5002,772
Average equity$31,268,2502,347
Average total loans$142,661,7502,715
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4590%3,152
Cost of funding earning assets0.8340%2,484
Net interest margin3.6250%3,178
Noninterest income to average assets0.2514%4,250
Noninterest expense to average assets2.3824%3,784
Loan and lease loss provision to assets0.1946%894
Net operating income to assets0.6941%4,023
Return on assets (ROA)1.4803%1,251
Pretax return on assets1.9514%753
Return on Equity (ROE)10.3304%2,242
Retained earnings to average equity (ytd only)10.3304%666
Net charge-offs to loans0.4053%413
Credit loss provision to net charge-offs72.0690%2,306
Earnings coverage of net charge-offs (x)4.2621%2,751
Efficiency ratio64.4269%3,070
Assets per employee ($millions)5.9330%1,590
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4323%1,483
Loan loss allowance to noncurrent loans99.6567%3,339
Noncurrent assets plus other real estate owned to assets0.9673%1,435
Noncurrent loans to loans1.4372%1,075
Net loans and leases to total assets65.4728%3,170
Net loans and leases to deposits82.1286%2,717
Net loans and leases to core deposits89.2989%2,659
Total domestic deposits to total assets79.7198%4,093
Equity capital to assets15.0205%802
Core capital (leverage) ratio13.5115%1,110
Tier 1 risk-based capital ratio18.1225%1,776
Total risk-based capital ratio19.3727%1,729
Memoranda:
Average total assets$214,822,6702,736
Average earning assets$194,483,6702,784
Average equity$30,783,0002,366
Average total loans$143,099,6702,728
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4806%2,935
Cost of funding earning assets0.8031%2,520
Net interest margin3.6776%2,977
Noninterest income to average assets0.2525%4,205
Noninterest expense to average assets2.4285%3,688
Loan and lease loss provision to assets0.3880%299
Net operating income to assets0.6053%4,225
Return on assets (ROA)0.6053%4,265
Pretax return on assets0.7519%4,168
Return on Equity (ROE)4.3274%4,508
Retained earnings to average equity (ytd only)4.3274%3,193
Net charge-offs to loans0.8072%185
Credit loss provision to net charge-offs72.0690%1,836
Earnings coverage of net charge-offs (x)2.1172%2,527
Efficiency ratio65.0884%3,072
Assets per employee ($millions)5.9546%1,586
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4100%1,641
Loan loss allowance to noncurrent loans98.0695%3,399
Noncurrent assets plus other real estate owned to assets1.0785%1,283
Noncurrent loans to loans1.4377%1,126
Net loans and leases to total assets66.2817%3,013
Net loans and leases to deposits82.7988%2,530
Net loans and leases to core deposits90.2747%2,473
Total domestic deposits to total assets80.0515%4,167
Equity capital to assets14.2228%960
Core capital (leverage) ratio12.9444%1,299
Tier 1 risk-based capital ratio17.3966%1,974
Total risk-based capital ratio18.6472%1,926
Memoranda:
Average total assets$215,440,0002,758
Average earning assets$194,258,0002,812
Average equity$30,133,5002,402
Average total loans$143,712,5002,756
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3868%2,808
Cost of funding earning assets0.6208%2,584
Net interest margin3.7661%2,801
Noninterest income to average assets0.2896%4,167
Noninterest expense to average assets2.2804%4,168
Loan and lease loss provision to assets0.3928%356
Net operating income to assets0.8165%3,742
Return on assets (ROA)0.8168%3,743
Pretax return on assets1.0326%3,503
Return on Equity (ROE)5.9332%4,196
Retained earnings to average equity (ytd only)3.8226%3,473
Net charge-offs to loans0.2795%694
Credit loss provision to net charge-offs215.5612%1,344
Earnings coverage of net charge-offs (x)7.8189%2,953
Efficiency ratio58.6826%4,051
Assets per employee ($millions)6.0240%1,503
Cash dividends to net income (ytd only)*35.5720%2,764
Condition Ratios (%)
Loss allowance to loans1.2302%2,407
Loan loss allowance to noncurrent loans272.0679%1,764
Noncurrent assets plus other real estate owned to assets0.4095%2,917
Noncurrent loans to loans0.4522%2,917
Net loans and leases to total assets65.2689%3,228
Net loans and leases to deposits80.8301%2,870
Net loans and leases to core deposits88.2895%2,730
Total domestic deposits to total assets80.7482%3,943
Equity capital to assets13.8484%1,020
Core capital (leverage) ratio12.9937%1,253
Tier 1 risk-based capital ratio17.3683%1,930
Total risk-based capital ratio18.4951%1,929
Memoranda:
Average total assets$215,096,6002,733
Average earning assets$195,083,8002,761
Average equity$29,613,2002,356
Average total loans$140,254,2002,767
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2999%2,960
Cost of funding earning assets0.5998%2,478
Net interest margin3.7000%3,019
Noninterest income to average assets0.2988%4,150
Noninterest expense to average assets2.2665%4,176
Loan and lease loss provision to assets0.3031%482
Net operating income to assets0.8610%3,695
Return on assets (ROA)0.8615%3,697
Pretax return on assets1.0938%3,422
Return on Equity (ROE)6.2670%4,182
Retained earnings to average equity (ytd only)6.2670%2,508
Net charge-offs to loans0.3479%471
Credit loss provision to net charge-offs134.0659%1,854
Earnings coverage of net charge-offs (x)6.1758%2,904
Efficiency ratio58.9791%3,968
Assets per employee ($millions)6.0609%1,447
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0281%3,597
Loan loss allowance to noncurrent loans186.7188%2,348
Noncurrent assets plus other real estate owned to assets0.4752%2,785
Noncurrent loans to loans0.5506%2,732
Net loans and leases to total assets65.0785%3,297
Net loans and leases to deposits82.2775%2,782
Net loans and leases to core deposits90.7675%2,589
Total domestic deposits to total assets79.0963%4,300
Equity capital to assets14.1154%920
Core capital (leverage) ratio13.0500%1,261
Tier 1 risk-based capital ratio17.9015%1,818
Total risk-based capital ratio18.8394%1,864
Memoranda:
Average total assets$214,655,0002,750
Average earning assets$195,164,0002,783
Average equity$29,508,5002,368
Average total loans$139,491,0002,789
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2229%3,044
Cost of funding earning assets0.5622%2,500
Net interest margin3.6607%3,076
Noninterest income to average assets0.3350%3,940
Noninterest expense to average assets2.2701%4,211
Loan and lease loss provision to assets0.2877%486
Net operating income to assets0.8976%3,462
Return on assets (ROA)0.8984%3,470
Pretax return on assets1.1081%3,284
Return on Equity (ROE)6.5932%4,030
Retained earnings to average equity (ytd only)6.5932%2,263
Net charge-offs to loans0.0287%2,282
Credit loss provision to net charge-offs1,550.0000%268
Earnings coverage of net charge-offs (x)75.1500%856
Efficiency ratio59.0529%4,077
Assets per employee ($millions)6.1398%1,374
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1203%3,150
Loan loss allowance to noncurrent loans111.8099%3,264
Noncurrent assets plus other real estate owned to assets0.6659%2,241
Noncurrent loans to loans1.0019%1,746
Net loans and leases to total assets65.7186%3,186
Net loans and leases to deposits82.4406%2,720
Net loans and leases to core deposits91.5838%2,437
Total domestic deposits to total assets79.7163%4,302
Equity capital to assets13.8107%983
Core capital (leverage) ratio12.7438%1,330
Tier 1 risk-based capital ratio17.2846%2,010
Total risk-based capital ratio18.3131%2,025
Memoranda:
Average total assets$215,496,6702,765
Average earning assets$196,026,6702,793
Average equity$29,363,6702,389
Average total loans$139,493,0002,801
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1037%3,224
Cost of funding earning assets0.5295%2,543
Net interest margin3.5742%3,268
Noninterest income to average assets0.2447%4,536
Noninterest expense to average assets2.2280%4,351
Loan and lease loss provision to assets0.2502%590
Net operating income to assets0.8100%3,665
Return on assets (ROA)0.8100%3,674
Pretax return on assets1.0195%3,466
Return on Equity (ROE)5.9850%4,158
Retained earnings to average equity (ytd only)5.9850%2,710
Net charge-offs to loans0.0580%1,523
Credit loss provision to net charge-offs675.0000%483
Earnings coverage of net charge-offs (x)34.2500%1,160
Efficiency ratio60.6783%3,983
Assets per employee ($millions)6.3325%1,294
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0328%3,765
Loan loss allowance to noncurrent loans94.4334%3,557
Noncurrent assets plus other real estate owned to assets0.7009%2,224
Noncurrent loans to loans1.0937%1,675
Net loans and leases to total assets63.4218%3,379
Net loans and leases to deposits78.4325%2,969
Net loans and leases to core deposits87.9527%2,633
Total domestic deposits to total assets80.8617%4,233
Equity capital to assets13.5667%1,025
Core capital (leverage) ratio12.6049%1,343
Tier 1 risk-based capital ratio17.2548%2,047
Total risk-based capital ratio18.1898%2,083
Memoranda:
Average total assets$215,799,0002,790
Average earning assets$196,408,5002,818
Average equity$29,206,5002,422
Average total loans$137,827,5002,841
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0015%3,401
Cost of funding earning assets0.4986%2,343
Net interest margin3.5029%3,519
Noninterest income to average assets0.2432%4,680
Noninterest expense to average assets2.2947%4,341
Loan and lease loss provision to assets0.4108%354
Net operating income to assets0.4635%4,480
Return on assets (ROA)0.4635%4,515
Pretax return on assets0.7243%4,450
Return on Equity (ROE)3.4569%4,698
Retained earnings to average equity (ytd only)0.3540%4,885
Net charge-offs to loans0.2175%1,195
Credit loss provision to net charge-offs284.9593%988
Earnings coverage of net charge-offs (x)7.8740%2,982
Efficiency ratio64.6335%3,508
Assets per employee ($millions)6.1798%1,393
Cash dividends to net income (ytd only)*89.7598%538
Condition Ratios (%)
Loss allowance to loans0.9515%4,199
Loan loss allowance to noncurrent loans85.6209%3,799
Noncurrent assets plus other real estate owned to assets0.8133%1,919
Noncurrent loans to loans1.1113%1,591
Net loans and leases to total assets63.0486%3,483
Net loans and leases to deposits77.1920%3,206
Net loans and leases to core deposits87.1028%2,812
Total domestic deposits to total assets81.6775%3,945
Equity capital to assets13.5017%1,062
Core capital (leverage) ratio12.7502%1,239
Tier 1 risk-based capital ratio17.1516%2,039
Total risk-based capital ratio18.0127%2,118
Memoranda:
Average total assets$170,656,6003,238
Average earning assets$155,242,6003,254
Average equity$22,881,6002,872
Average total loans$113,126,4003,139
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8388%3,872
Cost of funding earning assets0.4929%2,326
Net interest margin3.3459%4,028
Noninterest income to average assets0.2462%4,728
Noninterest expense to average assets2.1894%4,546
Loan and lease loss provision to assets0.4739%253
Net operating income to assets0.4588%4,854
Return on assets (ROA)0.4588%4,885
Pretax return on assets0.6346%4,769
Return on Equity (ROE)3.4301%5,003
Retained earnings to average equity (ytd only)2.8042%4,234
Net charge-offs to loans0.2904%737
Credit loss provision to net charge-offs242.9185%1,156
Earnings coverage of net charge-offs (x)5.6824%3,071
Efficiency ratio64.4580%3,454
Assets per employee ($millions)6.0073%1,488
Cash dividends to net income (ytd only)*18.2481%3,204
Condition Ratios (%)
Loss allowance to loans0.8772%4,661
Loan loss allowance to noncurrent loans80.7065%3,902
Noncurrent assets plus other real estate owned to assets0.7234%2,342
Noncurrent loans to loans1.0869%1,772
Net loans and leases to total assets63.8461%3,428
Net loans and leases to deposits81.2944%2,847
Net loans and leases to core deposits92.8559%2,363
Total domestic deposits to total assets78.5369%4,623
Equity capital to assets14.1681%951
Core capital (leverage) ratio12.7115%1,329
Tier 1 risk-based capital ratio18.0754%1,836
Total risk-based capital ratio18.8919%1,903
Memoranda:
Average total assets$159,247,7503,386
Average earning assets$145,250,5003,407
Average equity$21,301,2503,037
Average total loans$106,988,2503,258
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3378%5,046
Cost of funding earning assets0.4682%2,426
Net interest margin2.8695%5,141
Noninterest income to average assets0.2053%5,020
Noninterest expense to average assets1.9501%5,083
Loan and lease loss provision to assets0.2250%775
Net operating income to assets0.4668%4,804
Return on assets (ROA)0.4668%4,831
Pretax return on assets0.6496%4,686
Return on Equity (ROE)3.5946%4,953
Retained earnings to average equity (ytd only)2.5119%4,185
Net charge-offs to loans0.4800%412
Credit loss provision to net charge-offs68.3761%2,397
Earnings coverage of net charge-offs (x)2.6581%3,138
Efficiency ratio68.0936%2,998
Assets per employee ($millions)5.8476%1,580
Cash dividends to net income (ytd only)*30.1205%2,773
Condition Ratios (%)
Loss allowance to loans0.5621%5,438
Loan loss allowance to noncurrent loans44.0994%4,713
Noncurrent assets plus other real estate owned to assets0.8833%2,008
Noncurrent loans to loans1.2747%1,517
Net loans and leases to total assets63.8551%3,405
Net loans and leases to deposits81.1514%2,788
Net loans and leases to core deposits93.7160%2,179
Total domestic deposits to total assets78.6864%4,692
Equity capital to assets13.6684%1,082
Core capital (leverage) ratio12.3442%1,445
Tier 1 risk-based capital ratio17.0604%2,146
Total risk-based capital ratio17.5719%2,331
Memoranda:
Average total assets$142,245,6703,631
Average earning assets$129,847,3303,642
Average equity$18,472,0003,337
Average total loans$97,508,6703,435
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8460%3,595
Cost of funding earning assets0.4486%2,534
Net interest margin3.3974%3,659
Noninterest income to average assets0.3270%4,206
Noninterest expense to average assets2.4451%3,980
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.6807%3,788
Return on assets (ROA)0.6807%3,825
Pretax return on assets0.9925%3,401
Return on Equity (ROE)5.5412%4,125
Retained earnings to average equity (ytd only)5.5412%2,575
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1283%2,714
Assets per employee ($millions)5.1818%2,203
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.6025%1,374
Loan loss allowance to noncurrent loans295.8838%1,623
Noncurrent assets plus other real estate owned to assets0.5432%3,057
Noncurrent loans to loans0.5416%3,195
Net loans and leases to total assets72.4024%2,016
Net loans and leases to deposits88.4868%1,729
Net loans and leases to core deposits90.6165%2,302
Total domestic deposits to total assets81.8229%4,214
Equity capital to assets12.5709%1,486
Core capital (leverage) ratio12.5881%1,294
Tier 1 risk-based capital ratio16.6371%2,306
Total risk-based capital ratio17.8906%2,266
Memoranda:
Average total assets$105,188,5004,264
Average earning assets$96,308,0004,266
Average equity$12,921,5004,073
Average total loans$76,794,0003,886
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8540%3,726
Cost of funding earning assets0.3933%3,059
Net interest margin3.4608%3,582
Noninterest income to average assets0.3361%4,333
Noninterest expense to average assets2.3715%4,366
Loan and lease loss provision to assets0.0189%3,996
Net operating income to assets0.7346%3,620
Return on assets (ROA)0.7346%3,731
Pretax return on assets1.1114%3,059
Return on Equity (ROE)6.1234%3,916
Retained earnings to average equity (ytd only)5.0581%2,308
Net charge-offs to loans0.1098%2,173
Credit loss provision to net charge-offs24.0964%3,640
Earnings coverage of net charge-offs (x)14.3855%2,298
Efficiency ratio67.7210%3,297
Assets per employee ($millions)5.3371%2,016
Cash dividends to net income (ytd only)*17.3969%3,812
Condition Ratios (%)
Loss allowance to loans1.5802%1,422
Loan loss allowance to noncurrent loans289.5735%1,672
Noncurrent assets plus other real estate owned to assets0.5359%3,135
Noncurrent loans to loans0.5457%3,207
Net loans and leases to total assets71.3025%2,277
Net loans and leases to deposits88.0799%1,916
Net loans and leases to core deposits90.4466%2,463
Total domestic deposits to total assets80.9520%4,349
Equity capital to assets12.0057%1,803
Core capital (leverage) ratio12.3292%1,421
Tier 1 risk-based capital ratio16.2695%2,437
Total risk-based capital ratio17.5237%2,374
Memoranda:
Average total assets$105,630,6004,246
Average earning assets$96,625,8004,260
Average equity$12,672,8004,141
Average total loans$75,595,0003,909
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8451%3,781
Cost of funding earning assets0.3917%3,109
Net interest margin3.4534%3,657
Noninterest income to average assets0.3468%4,307
Noninterest expense to average assets2.3223%4,483
Loan and lease loss provision to assets0.0253%3,740
Net operating income to assets0.7948%3,391
Return on assets (ROA)0.7948%3,531
Pretax return on assets1.1567%3,018
Return on Equity (ROE)6.6257%3,765
Retained earnings to average equity (ytd only)5.9083%2,232
Net charge-offs to loans0.1295%1,668
Credit loss provision to net charge-offs27.3973%3,245
Earnings coverage of net charge-offs (x)12.7946%2,356
Efficiency ratio66.2694%3,548
Assets per employee ($millions)4.9786%2,392
Cash dividends to net income (ytd only)*10.8275%3,533
Condition Ratios (%)
Loss allowance to loans1.6135%1,431
Loan loss allowance to noncurrent loans210.9589%2,156
Noncurrent assets plus other real estate owned to assets0.8713%2,369
Noncurrent loans to loans0.7648%2,760
Net loans and leases to total assets71.8539%2,217
Net loans and leases to deposits89.6158%1,808
Net loans and leases to core deposits92.1134%2,366
Total domestic deposits to total assets80.1800%4,475
Equity capital to assets12.3720%1,857
Core capital (leverage) ratio12.3184%1,474
Tier 1 risk-based capital ratio16.3263%2,483
Total risk-based capital ratio17.5800%2,438
Memoranda:
Average total assets$105,353,0004,291
Average earning assets$96,327,2504,300
Average equity$12,637,2504,187
Average total loans$75,161,0003,949
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7859%4,004
Cost of funding earning assets0.3889%3,160
Net interest margin3.3970%3,908
Noninterest income to average assets0.3560%4,225
Noninterest expense to average assets2.3196%4,552
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.7896%3,359
Return on assets (ROA)0.7896%3,501
Pretax return on assets1.1456%3,004
Return on Equity (ROE)6.6518%3,721
Retained earnings to average equity (ytd only)5.5671%2,382
Net charge-offs to loans0.1926%1,190
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)8.4028%2,515
Efficiency ratio66.9399%3,549
Assets per employee ($millions)4.7657%2,607
Cash dividends to net income (ytd only)*16.3070%3,306
Condition Ratios (%)
Loss allowance to loans1.5420%1,708
Loan loss allowance to noncurrent loans189.5313%2,388
Noncurrent assets plus other real estate owned to assets0.9509%2,253
Noncurrent loans to loans0.8136%2,710
Net loans and leases to total assets73.8731%1,866
Net loans and leases to deposits94.6037%1,229
Net loans and leases to core deposits96.4678%1,935
Total domestic deposits to total assets78.0869%4,984
Equity capital to assets12.1750%1,991
Core capital (leverage) ratio12.0554%1,588
Tier 1 risk-based capital ratio15.9229%2,678
Total risk-based capital ratio17.1764%2,617
Memoranda:
Average total assets$105,620,3304,322
Average earning assets$96,674,0004,332
Average equity$12,538,0004,226
Average total loans$74,762,6703,983
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7199%4,250
Cost of funding earning assets0.3881%3,212
Net interest margin3.3318%4,105
Noninterest income to average assets0.3547%4,192
Noninterest expense to average assets2.3281%4,581
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.7433%3,519
Return on assets (ROA)0.7433%3,626
Pretax return on assets1.0716%3,200
Return on Equity (ROE)6.3423%3,807
Retained earnings to average equity (ytd only)6.3423%2,210
Net charge-offs to loans0.1868%1,048
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)8.3529%2,060
Efficiency ratio68.4795%3,379
Assets per employee ($millions)4.9464%2,400
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7052%1,357
Loan loss allowance to noncurrent loans225.8123%2,045
Noncurrent assets plus other real estate owned to assets0.8838%2,476
Noncurrent loans to loans0.7552%2,948
Net loans and leases to total assets69.4216%2,435
Net loans and leases to deposits85.8342%2,077
Net loans and leases to core deposits87.4762%2,615
Total domestic deposits to total assets80.8788%4,530
Equity capital to assets12.0935%1,962
Core capital (leverage) ratio11.8184%1,732
Tier 1 risk-based capital ratio16.9262%2,314
Total risk-based capital ratio18.1823%2,261
Memoranda:
Average total assets$106,007,5004,347
Average earning assets$96,884,5004,364
Average equity$12,424,5004,256
Average total loans$72,811,0004,052
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8058%4,027
Cost of funding earning assets0.3948%3,211
Net interest margin3.4109%3,865
Noninterest income to average assets0.2917%4,804
Noninterest expense to average assets2.3413%4,675
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.7321%3,663
Return on assets (ROA)0.7321%3,757
Pretax return on assets1.0553%3,243
Return on Equity (ROE)6.4170%3,831
Retained earnings to average equity (ytd only)5.4561%2,102
Net charge-offs to loans0.1167%2,206
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)13.1786%2,392
Efficiency ratio68.9307%3,415
Assets per employee ($millions)4.9155%2,454
Cash dividends to net income (ytd only)*14.9740%3,943
Condition Ratios (%)
Loss allowance to loans1.7783%1,173
Loan loss allowance to noncurrent loans195.2888%2,296
Noncurrent assets plus other real estate owned to assets0.9451%2,308
Noncurrent loans to loans0.9106%2,516
Net loans and leases to total assets65.6319%3,036
Net loans and leases to deposits79.8073%2,840
Net loans and leases to core deposits81.7157%3,179
Total domestic deposits to total assets82.2380%4,099
Equity capital to assets11.3620%2,482
Core capital (leverage) ratio11.7494%1,783
Tier 1 risk-based capital ratio16.9319%2,305
Total risk-based capital ratio18.1879%2,253
Memoranda:
Average total assets$104,897,4004,362
Average earning assets$95,487,0004,400
Average equity$11,968,2004,314
Average total loans$71,982,2004,043
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8198%4,025
Cost of funding earning assets0.3982%3,244
Net interest margin3.4216%3,867
Noninterest income to average assets0.2639%5,050
Noninterest expense to average assets2.3595%4,624
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.7109%3,858
Return on assets (ROA)0.7109%3,962
Pretax return on assets1.0196%3,539
Return on Equity (ROE)6.2243%4,041
Retained earnings to average equity (ytd only)5.5963%2,524
Net charge-offs to loans0.2318%1,138
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)6.3681%3,059
Efficiency ratio69.8256%3,237
Assets per employee ($millions)4.6538%2,763
Cash dividends to net income (ytd only)*10.0895%3,577
Condition Ratios (%)
Loss allowance to loans1.7261%1,413
Loan loss allowance to noncurrent loans217.1030%2,112
Noncurrent assets plus other real estate owned to assets0.8576%2,738
Noncurrent loans to loans0.7950%2,973
Net loans and leases to total assets69.1778%2,510
Net loans and leases to deposits83.1693%2,510
Net loans and leases to core deposits85.2598%2,928
Total domestic deposits to total assets83.1771%3,742
Equity capital to assets11.8983%2,180
Core capital (leverage) ratio11.7052%1,882
Tier 1 risk-based capital ratio16.6740%2,490
Total risk-based capital ratio17.9295%2,446
Memoranda:
Average total assets$104,086,5004,426
Average earning assets$94,767,0004,466
Average equity$11,888,5004,376
Average total loans$71,912,7504,083
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7741%4,156
Cost of funding earning assets0.3963%3,316
Net interest margin3.3778%3,976
Noninterest income to average assets0.2198%5,389
Noninterest expense to average assets2.3544%4,704
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.6593%4,077
Return on assets (ROA)0.6593%4,179
Pretax return on assets0.9441%3,791
Return on Equity (ROE)5.8521%4,203
Retained earnings to average equity (ytd only)4.9022%2,920
Net charge-offs to loans0.1225%1,786
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)11.2273%2,310
Efficiency ratio71.3789%3,098
Assets per employee ($millions)4.9781%2,305
Cash dividends to net income (ytd only)*16.2319%3,303
Condition Ratios (%)
Loss allowance to loans1.8291%1,316
Loan loss allowance to noncurrent loans196.2963%2,274
Noncurrent assets plus other real estate owned to assets0.9374%2,660
Noncurrent loans to loans0.9318%2,804
Net loans and leases to total assets68.0259%2,640
Net loans and leases to deposits82.8363%2,456
Net loans and leases to core deposits84.8952%2,894
Total domestic deposits to total assets82.1209%4,256
Equity capital to assets11.3764%2,511
Core capital (leverage) ratio11.5017%1,988
Tier 1 risk-based capital ratio16.4025%2,659
Total risk-based capital ratio17.6594%2,612
Memoranda:
Average total assets$104,654,0004,450
Average earning assets$95,387,6704,484
Average equity$11,790,6704,416
Average total loans$71,860,0004,113
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7561%4,177
Cost of funding earning assets0.3991%3,315
Net interest margin3.3569%3,997
Noninterest income to average assets0.0611%6,201
Noninterest expense to average assets2.3646%4,704
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.5424%4,503
Return on assets (ROA)0.5424%4,616
Pretax return on assets0.7487%4,435
Return on Equity (ROE)4.8384%4,613
Retained earnings to average equity (ytd only)4.8384%3,153
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9509%2,524
Assets per employee ($millions)4.3550%3,279
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9279%1,231
Loan loss allowance to noncurrent loans232.0339%1,964
Noncurrent assets plus other real estate owned to assets0.7549%3,225
Noncurrent loans to loans0.8309%3,166
Net loans and leases to total assets66.6278%2,666
Net loans and leases to deposits81.1485%2,429
Net loans and leases to core deposits83.3104%2,837
Total domestic deposits to total assets82.1060%4,481
Equity capital to assets11.3135%2,632
Core capital (leverage) ratio11.2727%2,175
Tier 1 risk-based capital ratio16.6387%2,617
Total risk-based capital ratio17.8971%2,571
Memoranda:
Average total assets$104,710,5004,484
Average earning assets$95,205,5004,527
Average equity$11,739,5004,461
Average total loans$71,570,0004,144
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9754%3,812
Cost of funding earning assets0.4546%3,125
Net interest margin3.5208%3,714
Noninterest income to average assets0.3538%4,573
Noninterest expense to average assets2.4228%4,780
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.7607%3,562
Return on assets (ROA)0.7444%3,755
Pretax return on assets1.0784%3,173
Return on Equity (ROE)6.9897%3,642
Retained earnings to average equity (ytd only)6.0152%1,920
Net charge-offs to loans0.0598%3,645
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)26.5455%1,460
Efficiency ratio68.7366%3,762
Assets per employee ($millions)4.3708%3,233
Cash dividends to net income (ytd only)*13.9417%4,013
Condition Ratios (%)
Loss allowance to loans1.8979%1,317
Loan loss allowance to noncurrent loans426.4798%1,215
Noncurrent assets plus other real estate owned to assets0.6864%3,517
Noncurrent loans to loans0.4450%4,310
Net loans and leases to total assets67.4566%2,653
Net loans and leases to deposits81.1994%2,578
Net loans and leases to core deposits83.3249%2,971
Total domestic deposits to total assets83.0753%4,051
Equity capital to assets11.1096%2,793
Core capital (leverage) ratio11.4066%2,054
Tier 1 risk-based capital ratio16.3700%2,775
Total risk-based capital ratio17.6288%2,715
Memoranda:
Average total assets$105,991,0004,457
Average earning assets$95,461,4004,522
Average equity$11,288,0004,500
Average total loans$73,536,2004,075
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9968%3,771
Cost of funding earning assets0.4687%3,062
Net interest margin3.5281%3,724
Noninterest income to average assets0.3463%4,669
Noninterest expense to average assets2.4166%4,773
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.7689%3,572
Return on assets (ROA)0.7302%3,889
Pretax return on assets1.0477%3,390
Return on Equity (ROE)6.9306%3,736
Retained earnings to average equity (ytd only)6.2875%2,225
Net charge-offs to loans-0.0325%5,767
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6631%3,737
Assets per employee ($millions)4.2953%3,302
Cash dividends to net income (ytd only)*9.2786%3,585
Condition Ratios (%)
Loss allowance to loans1.9350%1,381
Loan loss allowance to noncurrent loans247.1503%1,828
Noncurrent assets plus other real estate owned to assets0.9856%2,984
Noncurrent loans to loans0.7829%3,624
Net loans and leases to total assets70.3529%2,137
Net loans and leases to deposits84.8323%2,055
Net loans and leases to core deposits86.2283%2,640
Total domestic deposits to total assets82.9317%4,174
Equity capital to assets11.1499%2,813
Core capital (leverage) ratio11.1243%2,373
Tier 1 risk-based capital ratio16.3916%2,856
Total risk-based capital ratio17.6515%2,809
Memoranda:
Average total assets$106,263,7504,494
Average earning assets$95,574,0004,558
Average equity$11,196,5004,552
Average total loans$73,887,5004,094
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9891%3,769
Cost of funding earning assets0.4724%3,093
Net interest margin3.5167%3,713
Noninterest income to average assets0.3280%4,790
Noninterest expense to average assets2.3853%4,921
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.7637%3,495
Return on assets (ROA)0.7063%3,896
Pretax return on assets1.0100%3,438
Return on Equity (ROE)6.8305%3,706
Retained earnings to average equity (ytd only)5.8573%2,411
Net charge-offs to loans-0.0244%5,608
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5959%3,901
Assets per employee ($millions)4.5234%2,889
Cash dividends to net income (ytd only)*14.2480%3,351
Condition Ratios (%)
Loss allowance to loans1.9596%1,435
Loan loss allowance to noncurrent loans188.0952%2,256
Noncurrent assets plus other real estate owned to assets0.9804%3,104
Noncurrent loans to loans1.0418%3,152
Net loans and leases to total assets68.3830%2,351
Net loans and leases to deposits82.3991%2,208
Net loans and leases to core deposits87.0904%2,412
Total domestic deposits to total assets82.9900%4,311
Equity capital to assets10.8901%2,987
Core capital (leverage) ratio10.7271%2,688
Tier 1 risk-based capital ratio16.2776%2,940
Total risk-based capital ratio17.5370%2,882
Memoranda:
Average total assets$107,323,0004,506
Average earning assets$96,111,6704,577
Average equity$11,097,3304,587
Average total loans$73,865,0004,107
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8969%4,096
Cost of funding earning assets0.4794%3,115
Net interest margin3.4175%4,037
Noninterest income to average assets0.3414%4,648
Noninterest expense to average assets2.2686%5,277
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7865%3,220
Return on assets (ROA)0.6718%3,920
Pretax return on assets0.9471%3,530
Return on Equity (ROE)6.6661%3,652
Retained earnings to average equity (ytd only)6.6661%2,205
Net charge-offs to loans-0.0054%4,834
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1739%4,334
Assets per employee ($millions)4.4990%2,978
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.8920%1,778
Loan loss allowance to noncurrent loans183.8752%2,247
Noncurrent assets plus other real estate owned to assets0.9567%3,338
Noncurrent loans to loans1.0290%3,368
Net loans and leases to total assets67.9052%2,234
Net loans and leases to deposits83.0759%1,937
Net loans and leases to core deposits87.6921%2,130
Total domestic deposits to total assets81.7387%5,017
Equity capital to assets10.2994%3,473
Core capital (leverage) ratio10.4495%2,991
Tier 1 risk-based capital ratio14.7843%3,825
Total risk-based capital ratio16.0416%3,773
Memoranda:
Average total assets$108,965,0004,509
Average earning assets$96,795,0004,602
Average equity$10,981,0004,619
Average total loans$74,514,0004,121
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2184%3,277
Cost of funding earning assets0.5693%2,930
Net interest margin3.6491%3,245
Noninterest income to average assets0.3410%4,874
Noninterest expense to average assets2.3092%5,355
Loan and lease loss provision to assets0.0855%3,403
Net operating income to assets0.8492%3,038
Return on assets (ROA)0.8492%3,115
Pretax return on assets1.2339%2,440
Return on Equity (ROE)8.4309%2,809
Retained earnings to average equity (ytd only)7.4973%1,235
Net charge-offs to loans0.0484%4,548
Credit loss provision to net charge-offs243.2432%941
Earnings coverage of net charge-offs (x)37.5405%999
Efficiency ratio63.6387%4,968
Assets per employee ($millions)5.2359%1,917
Cash dividends to net income (ytd only)*11.0738%4,007
Condition Ratios (%)
Loss allowance to loans1.9020%1,776
Loan loss allowance to noncurrent loans141.1588%2,797
Noncurrent assets plus other real estate owned to assets0.9104%3,609
Noncurrent loans to loans1.3474%2,885
Net loans and leases to total assets66.2820%2,653
Net loans and leases to deposits78.1192%2,708
Net loans and leases to core deposits82.6602%2,816
Total domestic deposits to total assets84.8472%3,830
Equity capital to assets9.8597%3,954
Core capital (leverage) ratio10.4520%2,962
Tier 1 risk-based capital ratio14.4681%3,972
Total risk-based capital ratio15.7178%3,913
Memoranda:
Average total assets$105,272,4004,617
Average earning assets$94,845,8004,655
Average equity$10,603,8004,718
Average total loans$76,422,8004,046
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2343%3,254
Cost of funding earning assets0.5914%2,883
Net interest margin3.6430%3,266
Noninterest income to average assets0.3381%4,989
Noninterest expense to average assets2.2951%5,359
Loan and lease loss provision to assets0.1153%2,846
Net operating income to assets0.8530%3,086
Return on assets (ROA)0.8530%3,199
Pretax return on assets1.2334%2,570
Return on Equity (ROE)8.4213%2,913
Retained earnings to average equity (ytd only)7.8522%1,480
Net charge-offs to loans0.0953%3,610
Credit loss provision to net charge-offs163.6364%1,451
Earnings coverage of net charge-offs (x)19.1458%1,641
Efficiency ratio62.9877%4,992
Assets per employee ($millions)4.9129%2,282
Cash dividends to net income (ytd only)*6.7569%3,573
Condition Ratios (%)
Loss allowance to loans1.7856%2,347
Loan loss allowance to noncurrent loans96.2069%3,568
Noncurrent assets plus other real estate owned to assets1.4607%2,755
Noncurrent loans to loans1.8560%2,427
Net loans and leases to total assets74.3714%1,237
Net loans and leases to deposits87.8680%1,377
Net loans and leases to core deposits93.4910%1,620
Total domestic deposits to total assets84.6399%3,908
Equity capital to assets10.3887%3,405
Core capital (leverage) ratio10.3230%3,207
Tier 1 risk-based capital ratio13.9571%4,464
Total risk-based capital ratio15.2070%4,414
Memoranda:
Average total assets$104,102,2504,690
Average earning assets$94,463,2504,714
Average equity$10,544,5004,785
Average total loans$76,955,5004,058
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1908%3,411
Cost of funding earning assets0.6035%2,904
Net interest margin3.5873%3,416
Noninterest income to average assets0.3237%5,119
Noninterest expense to average assets2.3522%5,198
Loan and lease loss provision to assets0.1724%2,183
Net operating income to assets0.7432%3,604
Return on assets (ROA)0.7432%3,757
Pretax return on assets1.0554%3,274
Return on Equity (ROE)7.3999%3,397
Retained earnings to average equity (ytd only)6.5416%2,123
Net charge-offs to loans0.1567%2,847
Credit loss provision to net charge-offs150.0000%1,535
Earnings coverage of net charge-offs (x)10.6833%2,135
Efficiency ratio65.7036%4,601
Assets per employee ($millions)4.5555%2,726
Cash dividends to net income (ytd only)*11.5979%3,267
Condition Ratios (%)
Loss allowance to loans1.7775%2,506
Loan loss allowance to noncurrent loans89.1597%3,740
Noncurrent assets plus other real estate owned to assets1.5528%2,781
Noncurrent loans to loans1.9936%2,407
Net loans and leases to total assets73.3078%1,356
Net loans and leases to deposits88.2193%1,315
Net loans and leases to core deposits93.5930%1,556
Total domestic deposits to total assets83.0973%4,666
Equity capital to assets9.9651%3,962
Core capital (leverage) ratio9.9843%3,551
Tier 1 risk-based capital ratio13.4946%4,775
Total risk-based capital ratio14.7445%4,728
Memoranda:
Average total assets$104,413,0004,717
Average earning assets$94,778,3304,736
Average equity$10,486,6704,835
Average total loans$76,566,0004,085
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2195%3,216
Cost of funding earning assets0.6203%2,923
Net interest margin3.5993%3,270
Noninterest income to average assets0.3300%5,061
Noninterest expense to average assets2.2220%5,631
Loan and lease loss provision to assets0.1727%2,136
Net operating income to assets0.8328%2,994
Return on assets (ROA)0.8328%3,136
Pretax return on assets1.2088%2,538
Return on Equity (ROE)8.2592%2,840
Retained earnings to average equity (ytd only)8.2592%1,659
Net charge-offs to loans0.1954%2,244
Credit loss provision to net charge-offs121.6216%1,581
Earnings coverage of net charge-offs (x)9.7297%1,811
Efficiency ratio61.6613%5,352
Assets per employee ($millions)4.9905%2,224
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7985%2,628
Loan loss allowance to noncurrent loans223.8953%1,709
Noncurrent assets plus other real estate owned to assets0.6718%4,692
Noncurrent loans to loans0.8033%4,518
Net loans and leases to total assets71.2758%1,478
Net loans and leases to deposits85.1403%1,453
Net loans and leases to core deposits86.9642%2,017
Total domestic deposits to total assets83.7156%4,585
Equity capital to assets10.1135%3,997
Core capital (leverage) ratio9.8764%3,562
Tier 1 risk-based capital ratio13.7651%4,683
Total risk-based capital ratio15.0222%4,641
Memoranda:
Average total assets$104,231,5004,767
Average earning assets$94,797,0004,771
Average equity$10,509,5004,883
Average total loans$75,749,5004,139
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4402%3,656
Cost of funding earning assets0.7894%2,753
Net interest margin3.6508%3,871
Noninterest income to average assets0.3184%5,178
Noninterest expense to average assets2.2305%5,856
Loan and lease loss provision to assets0.2400%2,729
Net operating income to assets0.8140%3,225
Return on assets (ROA)0.8140%3,471
Pretax return on assets1.1687%2,907
Return on Equity (ROE)8.2923%2,968
Retained earnings to average equity (ytd only)7.3742%1,383
Net charge-offs to loans-0.0512%6,712
Credit loss provision to net charge-offs-680.5556%6,545
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2921%5,344
Assets per employee ($millions)4.7120%2,630
Cash dividends to net income (ytd only)*11.0710%4,040
Condition Ratios (%)
Loss allowance to loans1.8029%2,574
Loan loss allowance to noncurrent loans206.0606%1,799
Noncurrent assets plus other real estate owned to assets0.7264%4,665
Noncurrent loans to loans0.8749%4,429
Net loans and leases to total assets71.4565%1,582
Net loans and leases to deposits84.5555%1,690
Net loans and leases to core deposits87.0220%2,186
Total domestic deposits to total assets84.5085%4,080
Equity capital to assets10.0518%4,100
Core capital (leverage) ratio10.0418%3,346
Tier 1 risk-based capital ratio13.4587%4,781
Total risk-based capital ratio14.6755%4,760
Memoranda:
Average total assets$102,083,2004,777
Average earning assets$92,856,8004,778
Average equity$10,021,4004,978
Average total loans$70,250,2004,352
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4703%3,749
Cost of funding earning assets0.8234%2,747
Net interest margin3.6469%4,016
Noninterest income to average assets0.3645%4,909
Noninterest expense to average assets2.2447%5,832
Loan and lease loss provision to assets0.2753%2,374
Net operating income to assets0.8169%3,364
Return on assets (ROA)0.8169%3,607
Pretax return on assets1.1722%3,091
Return on Equity (ROE)8.3720%3,092
Retained earnings to average equity (ytd only)7.8613%1,679
Net charge-offs to loans-0.0561%6,739
Credit loss provision to net charge-offs-724.1379%6,494
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.7955%5,357
Assets per employee ($millions)4.7903%2,463
Cash dividends to net income (ytd only)*6.1000%3,562
Condition Ratios (%)
Loss allowance to loans1.8729%2,569
Loan loss allowance to noncurrent loans1,037.7953%420
Noncurrent assets plus other real estate owned to assets0.7714%4,779
Noncurrent loans to loans0.1805%6,159
Net loans and leases to total assets68.6452%2,185
Net loans and leases to deposits81.7490%2,157
Net loans and leases to core deposits84.7498%2,610
Total domestic deposits to total assets83.9707%4,238
Equity capital to assets10.2468%4,143
Core capital (leverage) ratio9.9187%3,668
Tier 1 risk-based capital ratio13.8927%4,615
Total risk-based capital ratio15.1487%4,567
Memoranda:
Average total assets$101,688,2504,832
Average earning assets$92,787,7504,829
Average equity$9,921,7505,042
Average total loans$68,954,2504,431
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5002%3,764
Cost of funding earning assets0.8536%2,773
Net interest margin3.6466%4,055
Noninterest income to average assets0.3508%5,034
Noninterest expense to average assets2.2538%5,859
Loan and lease loss provision to assets0.4116%1,596
Net operating income to assets0.7173%3,772
Return on assets (ROA)0.7173%4,041
Pretax return on assets1.0093%3,666
Return on Equity (ROE)7.4747%3,537
Retained earnings to average equity (ytd only)6.6987%2,273
Net charge-offs to loans-0.0672%6,745
Credit loss provision to net charge-offs-913.0435%6,392
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3333%5,362
Assets per employee ($millions)4.7647%2,492
Cash dividends to net income (ytd only)*10.3825%3,287
Condition Ratios (%)
Loss allowance to loans1.9068%2,533
Loan loss allowance to noncurrent loans1,009.2308%405
Noncurrent assets plus other real estate owned to assets0.7785%4,848
Noncurrent loans to loans0.1889%6,207
Net loans and leases to total assets67.4562%2,380
Net loans and leases to deposits79.6451%2,432
Net loans and leases to core deposits82.0580%2,953
Total domestic deposits to total assets84.6960%4,005
Equity capital to assets9.9891%4,353
Core capital (leverage) ratio9.5228%4,113
Tier 1 risk-based capital ratio13.7576%4,622
Total risk-based capital ratio15.0146%4,589
Memoranda:
Average total assets$102,052,0004,854
Average earning assets$93,019,0004,847
Average equity$9,793,0005,077
Average total loans$68,481,3304,472
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4172%4,257
Cost of funding earning assets0.8801%2,836
Net interest margin3.5372%4,536
Noninterest income to average assets0.3299%5,223
Noninterest expense to average assets2.2863%5,803
Loan and lease loss provision to assets0.8152%594
Net operating income to assets0.3920%5,288
Return on assets (ROA)0.3920%5,473
Pretax return on assets0.4736%5,511
Return on Equity (ROE)4.1684%5,215
Retained earnings to average equity (ytd only)4.1684%4,091
Net charge-offs to loans-0.0644%6,639
Credit loss provision to net charge-offs-1,909.0909%6,049
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9522%4,933
Assets per employee ($millions)4.9407%2,327
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9134%2,636
Loan loss allowance to noncurrent loans193.1649%1,706
Noncurrent assets plus other real estate owned to assets0.7383%5,070
Noncurrent loans to loans0.9906%4,692
Net loans and leases to total assets64.2308%2,811
Net loans and leases to deposits78.1908%2,474
Net loans and leases to core deposits80.7332%2,978
Total domestic deposits to total assets82.1462%5,245
Equity capital to assets9.3731%5,000
Core capital (leverage) ratio9.2814%4,393
Tier 1 risk-based capital ratio14.1817%4,333
Total risk-based capital ratio15.4395%4,302
Memoranda:
Average total assets$103,048,5004,865
Average earning assets$94,538,5004,834
Average equity$9,692,0005,121
Average total loans$68,318,0004,510
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9178%3,275
Cost of funding earning assets1.0630%2,932
Net interest margin3.8548%3,546
Noninterest income to average assets0.4409%4,299
Noninterest expense to average assets2.4166%5,728
Loan and lease loss provision to assets0.4159%2,509
Net operating income to assets0.7924%3,070
Return on assets (ROA)0.7924%3,236
Pretax return on assets1.1303%2,723
Return on Equity (ROE)8.2716%2,774
Retained earnings to average equity (ytd only)7.2947%1,364
Net charge-offs to loans0.2677%4,092
Credit loss provision to net charge-offs216.2162%1,130
Earnings coverage of net charge-offs (x)8.0378%2,224
Efficiency ratio60.9814%5,609
Assets per employee ($millions)4.6520%2,680
Cash dividends to net income (ytd only)*11.8110%3,815
Condition Ratios (%)
Loss allowance to loans1.5707%3,704
Loan loss allowance to noncurrent loans161.0448%2,000
Noncurrent assets plus other real estate owned to assets0.7602%5,122
Noncurrent loans to loans0.9753%4,758
Net loans and leases to total assets66.0670%2,770
Net loans and leases to deposits78.4488%2,767
Net loans and leases to core deposits80.4797%3,389
Total domestic deposits to total assets84.2168%4,228
Equity capital to assets9.4379%4,981
Core capital (leverage) ratio9.4288%4,144
Tier 1 risk-based capital ratio13.3765%4,788
Total risk-based capital ratio14.6428%4,748
Memoranda:
Average total assets$96,167,0005,005
Average earning assets$87,864,4004,991
Average equity$9,212,2005,225
Average total loans$69,097,0004,529
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0224%2,987
Cost of funding earning assets1.1024%2,964
Net interest margin3.9201%3,279
Noninterest income to average assets0.4833%4,014
Noninterest expense to average assets2.4602%5,595
Loan and lease loss provision to assets0.4439%2,255
Net operating income to assets0.8074%3,125
Return on assets (ROA)0.8074%3,289
Pretax return on assets1.1568%2,797
Return on Equity (ROE)8.3949%2,871
Retained earnings to average equity (ytd only)7.7943%1,591
Net charge-offs to loans0.0116%5,989
Credit loss provision to net charge-offs5,250.0000%57
Earnings coverage of net charge-offs (x)189.3288%204
Efficiency ratio60.5829%5,624
Assets per employee ($millions)4.5684%2,815
Cash dividends to net income (ytd only)*7.1559%3,356
Condition Ratios (%)
Loss allowance to loans1.6715%3,371
Loan loss allowance to noncurrent loans147.7330%2,065
Noncurrent assets plus other real estate owned to assets0.9569%4,827
Noncurrent loans to loans1.1314%4,654
Net loans and leases to total assets71.9261%1,725
Net loans and leases to deposits85.6563%1,726
Net loans and leases to core deposits88.9982%2,359
Total domestic deposits to total assets83.9706%4,243
Equity capital to assets9.8889%4,494
Core capital (leverage) ratio9.4130%4,286
Tier 1 risk-based capital ratio12.9853%5,109
Total risk-based capital ratio14.2347%5,076
Memoranda:
Average total assets$94,623,0005,086
Average earning assets$86,356,7505,083
Average equity$9,100,5005,278
Average total loans$69,197,7504,563
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0584%2,881
Cost of funding earning assets1.1231%3,083
Net interest margin3.9354%3,148
Noninterest income to average assets0.4820%4,005
Noninterest expense to average assets2.5482%5,362
Loan and lease loss provision to assets0.4459%2,199
Net operating income to assets0.7496%3,292
Return on assets (ROA)0.7496%3,416
Pretax return on assets1.0596%3,012
Return on Equity (ROE)7.8692%3,002
Retained earnings to average equity (ytd only)6.9552%1,899
Net charge-offs to loans0.0261%5,457
Credit loss provision to net charge-offs2,333.3333%141
Earnings coverage of net charge-offs (x)78.7778%430
Efficiency ratio62.8601%5,425
Assets per employee ($millions)4.5831%2,718
Cash dividends to net income (ytd only)*11.6147%3,102
Condition Ratios (%)
Loss allowance to loans1.5145%4,063
Loan loss allowance to noncurrent loans512.0192%650
Noncurrent assets plus other real estate owned to assets0.3792%6,177
Noncurrent loans to loans0.2958%6,322
Net loans and leases to total assets71.9549%1,793
Net loans and leases to deposits87.5479%1,560
Net loans and leases to core deposits91.8901%2,151
Total domestic deposits to total assets82.1892%5,101
Equity capital to assets9.5787%4,693
Core capital (leverage) ratio9.2505%4,325
Tier 1 risk-based capital ratio12.7396%5,145
Total risk-based capital ratio13.9927%5,112
Memoranda:
Average total assets$94,185,3305,132
Average earning assets$85,481,3305,139
Average equity$8,971,6705,334
Average total loans$68,871,6704,619
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0207%3,008
Cost of funding earning assets1.1310%3,294
Net interest margin3.8898%3,193
Noninterest income to average assets0.4981%3,905
Noninterest expense to average assets2.6450%5,057
Loan and lease loss provision to assets0.4509%1,958
Net operating income to assets0.6698%3,661
Return on assets (ROA)0.6698%3,732
Pretax return on assets0.9318%3,395
Return on Equity (ROE)7.0524%3,351
Retained earnings to average equity (ytd only)7.0524%2,122
Net charge-offs to loans0.0117%4,922
Credit loss provision to net charge-offs5,250.0000%70
Earnings coverage of net charge-offs (x)161.0000%196
Efficiency ratio65.6716%5,085
Assets per employee ($millions)4.3557%3,119
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4046%4,648
Loan loss allowance to noncurrent loans394.6939%798
Noncurrent assets plus other real estate owned to assets0.3851%6,240
Noncurrent loans to loans0.3559%6,277
Net loans and leases to total assets70.8343%1,962
Net loans and leases to deposits86.3235%1,677
Net loans and leases to core deposits91.3541%2,191
Total domestic deposits to total assets82.0569%5,289
Equity capital to assets9.3431%4,661
Core capital (leverage) ratio9.4474%3,891
Tier 1 risk-based capital ratio12.7562%5,009
Total risk-based capital ratio14.0216%4,975
Memoranda:
Average total assets$93,155,5005,201
Average earning assets$84,529,5005,207
Average equity$8,848,0005,371
Average total loans$68,148,5004,682
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3547%2,875
Cost of funding earning assets1.3549%3,542
Net interest margin3.9999%3,021
Noninterest income to average assets0.5959%3,500
Noninterest expense to average assets2.7333%4,834
Loan and lease loss provision to assets1.2707%1,222
Net operating income to assets0.1665%5,384
Return on assets (ROA)0.1665%5,543
Pretax return on assets0.0910%5,718
Return on Equity (ROE)1.7092%5,493
Retained earnings to average equity (ytd only)0.7065%5,208
Net charge-offs to loans1.6866%1,286
Credit loss provision to net charge-offs105.6273%4,240
Earnings coverage of net charge-offs (x)1.1319%4,974
Efficiency ratio66.7480%4,810
Assets per employee ($millions)3.7703%4,323
Cash dividends to net income (ytd only)*58.6667%1,688
Condition Ratios (%)
Loss allowance to loans1.2809%5,100
Loan loss allowance to noncurrent loans301.0453%1,021
Noncurrent assets plus other real estate owned to assets0.4542%6,146
Noncurrent loans to loans0.4255%6,197
Net loans and leases to total assets73.5904%1,749
Net loans and leases to deposits88.0027%1,789
Net loans and leases to core deposits93.6660%2,301
Total domestic deposits to total assets83.6229%4,544
Equity capital to assets9.6623%4,197
Core capital (leverage) ratio9.6788%3,460
Tier 1 risk-based capital ratio12.9516%4,633
Total risk-based capital ratio14.2160%4,596
Memoranda:
Average total assets$90,109,4005,282
Average earning assets$78,827,8005,389
Average equity$8,776,2005,480
Average total loans$64,269,8004,900
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3729%3,011
Cost of funding earning assets1.3845%3,672
Net interest margin3.9884%3,156
Noninterest income to average assets0.5762%3,607
Noninterest expense to average assets2.7402%4,722
Loan and lease loss provision to assets1.6663%770
Net operating income to assets-0.1052%6,188
Return on assets (ROA)-0.1052%6,279
Pretax return on assets-0.3614%6,456
Return on Equity (ROE)-1.0776%6,287
Retained earnings to average equity (ytd only)-2.0946%6,220
Net charge-offs to loans2.2833%781
Credit loss provision to net charge-offs103.4959%4,141
Earnings coverage of net charge-offs (x)0.8105%5,243
Efficiency ratio67.7408%4,520
Assets per employee ($millions)3.6021%4,731
Cash dividends to net income (ytd only)*-94.3693%7,711
Condition Ratios (%)
Loss allowance to loans1.2494%5,240
Loan loss allowance to noncurrent loans208.6849%1,397
Noncurrent assets plus other real estate owned to assets0.5020%6,175
Noncurrent loans to loans0.5987%6,011
Net loans and leases to total assets76.8898%1,238
Net loans and leases to deposits90.9454%1,589
Net loans and leases to core deposits97.9373%2,050
Total domestic deposits to total assets84.5450%3,851
Equity capital to assets10.0704%4,065
Core capital (leverage) ratio10.0222%3,232
Tier 1 risk-based capital ratio12.3196%5,156
Total risk-based capital ratio13.5421%5,160
Memoranda:
Average total assets$90,015,2505,358
Average earning assets$78,292,0005,473
Average equity$8,784,5005,557
Average total loans$63,474,0005,005
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2829%3,549
Cost of funding earning assets1.4184%3,758
Net interest margin3.8645%3,613
Noninterest income to average assets0.5504%3,712
Noninterest expense to average assets2.6929%4,938
Loan and lease loss provision to assets0.4386%3,121
Net operating income to assets0.5943%3,902
Return on assets (ROA)0.5943%4,040
Pretax return on assets0.7587%4,030
Return on Equity (ROE)6.1516%3,726
Retained earnings to average equity (ytd only)4.6307%3,123
Net charge-offs to loans0.4598%3,161
Credit loss provision to net charge-offs139.8601%2,870
Earnings coverage of net charge-offs (x)3.8182%3,171
Efficiency ratio69.2221%4,328
Assets per employee ($millions)4.1176%3,548
Cash dividends to net income (ytd only)*24.7232%2,716
Condition Ratios (%)
Loss allowance to loans1.3113%4,847
Loan loss allowance to noncurrent loans108.3123%2,569
Noncurrent assets plus other real estate owned to assets0.8348%5,448
Noncurrent loans to loans1.2106%4,942
Net loans and leases to total assets65.4965%3,939
Net loans and leases to deposits77.8722%3,990
Net loans and leases to core deposits82.0779%4,407
Total domestic deposits to total assets84.1078%4,066
Equity capital to assets9.0638%5,346
Core capital (leverage) ratio10.0214%3,141
Tier 1 risk-based capital ratio12.6127%4,765
Total risk-based capital ratio13.8429%4,748
Memoranda:
Average total assets$91,203,3305,348
Average earning assets$78,821,0005,478
Average equity$8,810,6705,556
Average total loans$62,194,3305,098
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2150%3,942
Cost of funding earning assets1.4618%3,796
Net interest margin3.7532%3,992
Noninterest income to average assets0.5630%3,537
Noninterest expense to average assets2.8286%4,376
Loan and lease loss provision to assets0.1373%5,188
Net operating income to assets0.7415%3,254
Return on assets (ROA)0.7415%3,355
Pretax return on assets0.9932%3,121
Return on Equity (ROE)7.4163%3,155
Retained earnings to average equity (ytd only)5.7682%2,728
Net charge-offs to loans0.0463%4,949
Credit loss provision to net charge-offs428.5714%966
Earnings coverage of net charge-offs (x)35.2857%773
Efficiency ratio71.4451%4,036
Assets per employee ($millions)3.6965%4,581
Cash dividends to net income (ytd only)*22.2222%2,189
Condition Ratios (%)
Loss allowance to loans1.3653%4,596
Loan loss allowance to noncurrent loans351.4894%884
Noncurrent assets plus other real estate owned to assets0.2998%6,730
Noncurrent loans to loans0.3884%6,503
Net loans and leases to total assets67.2611%3,561
Net loans and leases to deposits82.8122%3,140
Net loans and leases to core deposits86.7881%3,790
Total domestic deposits to total assets81.2212%5,374
Equity capital to assets9.9327%3,944
Core capital (leverage) ratio9.9218%3,262
Tier 1 risk-based capital ratio13.8499%3,765
Total risk-based capital ratio15.1162%3,713
Memoranda:
Average total assets$87,394,0005,535
Average earning assets$79,079,0005,539
Average equity$8,737,5005,613
Average total loans$60,499,0005,226
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8045%2,635
Cost of funding earning assets1.7607%4,200
Net interest margin4.0438%2,675
Noninterest income to average assets0.3232%5,772
Noninterest expense to average assets2.9921%4,173
Loan and lease loss provision to assets0.2678%5,271
Net operating income to assets0.5884%3,370
Return on assets (ROA)0.5884%3,449
Pretax return on assets0.7085%3,539
Return on Equity (ROE)5.2282%3,573
Retained earnings to average equity (ytd only)4.4311%2,143
Net charge-offs to loans0.0898%6,227
Credit loss provision to net charge-offs390.3846%814
Earnings coverage of net charge-offs (x)14.2308%1,384
Efficiency ratio75.3989%3,633
Assets per employee ($millions)3.7422%4,419
Cash dividends to net income (ytd only)*15.2466%3,782
Condition Ratios (%)
Loss allowance to loans1.3273%4,609
Loan loss allowance to noncurrent loans154.1267%1,869
Noncurrent assets plus other real estate owned to assets0.6413%5,854
Noncurrent loans to loans0.8612%5,575
Net loans and leases to total assets69.3579%3,406
Net loans and leases to deposits85.2571%3,039
Net loans and leases to core deposits109.1592%2,986
Total domestic deposits to total assets81.3514%5,214
Equity capital to assets10.0649%3,671
Core capital (leverage) ratio10.5857%2,519
Tier 1 risk-based capital ratio12.5620%4,474
Total risk-based capital ratio13.7330%4,483
Memoranda:
Average total assets$75,799,2005,843
Average earning assets$68,326,2005,855
Average equity$8,530,6005,757
Average total loans$57,887,0005,342
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9693%2,156
Cost of funding earning assets1.8301%4,235
Net interest margin4.1393%2,253
Noninterest income to average assets0.6245%3,531
Noninterest expense to average assets3.1753%3,380
Loan and lease loss provision to assets0.2786%4,745
Net operating income to assets0.7210%3,130
Return on assets (ROA)0.7210%3,202
Pretax return on assets0.9140%3,184
Return on Equity (ROE)6.2135%3,436
Retained earnings to average equity (ytd only)5.6486%2,128
Net charge-offs to loans0.1304%5,391
Credit loss provision to net charge-offs273.2143%1,552
Earnings coverage of net charge-offs (x)11.6972%1,834
Efficiency ratio72.6970%4,105
Assets per employee ($millions)3.3323%5,300
Cash dividends to net income (ytd only)*9.0911%3,545
Condition Ratios (%)
Loss allowance to loans1.2709%4,677
Loan loss allowance to noncurrent loans240.8360%1,232
Noncurrent assets plus other real estate owned to assets1.1573%4,763
Noncurrent loans to loans0.5277%6,250
Net loans and leases to total assets75.9166%2,009
Net loans and leases to deposits94.2831%1,840
Net loans and leases to core deposits116.9434%2,530
Total domestic deposits to total assets80.5198%5,239
Equity capital to assets11.3554%2,708
Core capital (leverage) ratio11.1771%2,277
Tier 1 risk-based capital ratio13.8168%3,658
Total risk-based capital ratio15.0208%3,623
Memoranda:
Average total assets$73,231,2505,943
Average earning assets$66,225,5005,959
Average equity$8,497,5005,822
Average total loans$57,233,7505,415
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0057%2,158
Cost of funding earning assets1.8762%4,390
Net interest margin4.1295%2,224
Noninterest income to average assets0.5742%3,876
Noninterest expense to average assets3.2513%3,150
Loan and lease loss provision to assets0.1859%5,167
Net operating income to assets0.6991%3,257
Return on assets (ROA)0.6991%3,366
Pretax return on assets0.8739%3,427
Return on Equity (ROE)5.9794%3,659
Retained earnings to average equity (ytd only)5.1252%2,440
Net charge-offs to loans0.1906%4,356
Credit loss provision to net charge-offs124.0741%3,749
Earnings coverage of net charge-offs (x)7.0741%2,498
Efficiency ratio75.4183%3,804
Assets per employee ($millions)3.2004%5,583
Cash dividends to net income (ytd only)*14.2857%3,303
Condition Ratios (%)
Loss allowance to loans1.1271%5,405
Loan loss allowance to noncurrent loans75.5682%3,688
Noncurrent assets plus other real estate owned to assets1.3939%4,173
Noncurrent loans to loans1.4916%4,261
Net loans and leases to total assets79.2485%1,475
Net loans and leases to deposits95.2299%1,915
Net loans and leases to core deposits116.8971%2,634
Total domestic deposits to total assets83.2181%4,141
Equity capital to assets11.5692%2,493
Core capital (leverage) ratio11.5550%2,059
Tier 1 risk-based capital ratio14.0698%3,477
Total risk-based capital ratio15.1769%3,500
Memoranda:
Average total assets$72,094,3306,028
Average earning assets$65,238,0006,035
Average equity$8,429,0005,874
Average total loans$56,667,3305,481
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9969%2,384
Cost of funding earning assets1.9118%4,571
Net interest margin4.0851%2,334
Noninterest income to average assets0.5046%4,287
Noninterest expense to average assets3.2522%2,790
Loan and lease loss provision to assets0.1178%5,463
Net operating income to assets0.6616%3,752
Return on assets (ROA)0.6616%3,927
Pretax return on assets0.8130%4,032
Return on Equity (ROE)5.6288%4,201
Retained earnings to average equity (ytd only)5.6288%2,810
Net charge-offs to loans0.1730%3,598
Credit loss provision to net charge-offs87.5000%4,049
Earnings coverage of net charge-offs (x)6.9167%2,416
Efficiency ratio77.7480%3,208
Assets per employee ($millions)3.1277%5,818
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1240%5,299
Loan loss allowance to noncurrent loans65.2918%4,296
Noncurrent assets plus other real estate owned to assets1.4791%3,714
Noncurrent loans to loans1.7215%3,679
Net loans and leases to total assets79.3614%1,503
Net loans and leases to deposits96.0368%1,938
Net loans and leases to core deposits116.8055%2,703
Total domestic deposits to total assets82.6364%4,318
Equity capital to assets11.7351%2,419
Core capital (leverage) ratio11.7294%2,031
Tier 1 risk-based capital ratio14.1435%3,506
Total risk-based capital ratio15.2424%3,513
Memoranda:
Average total assets$71,337,0006,090
Average earning assets$64,233,5006,099
Average equity$8,385,5005,924
Average total loans$55,501,5005,564
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4055%3,390
Cost of funding earning assets2.3470%4,938
Net interest margin4.0585%2,881
Noninterest income to average assets0.5968%3,861
Noninterest expense to average assets3.1576%3,490
Loan and lease loss provision to assets0.1578%5,352
Net operating income to assets0.7259%3,774
Return on assets (ROA)0.7259%3,612
Pretax return on assets0.9282%3,631
Return on Equity (ROE)6.2539%3,841
Retained earnings to average equity (ytd only)5.5370%1,749
Net charge-offs to loans0.1819%4,373
Credit loss provision to net charge-offs119.5652%4,498
Earnings coverage of net charge-offs (x)8.2283%2,918
Efficiency ratio74.4084%3,504
Assets per employee ($millions)3.0755%5,847
Cash dividends to net income (ytd only)*11.4625%4,652
Condition Ratios (%)
Loss allowance to loans1.2241%4,350
Loan loss allowance to noncurrent loans54.9747%5,226
Noncurrent assets plus other real estate owned to assets2.0357%2,417
Noncurrent loans to loans2.2267%2,471
Net loans and leases to total assets74.3766%3,016
Net loans and leases to deposits89.4456%3,543
Net loans and leases to core deposits106.2398%4,169
Total domestic deposits to total assets83.1529%3,704
Equity capital to assets11.7748%2,451
Core capital (leverage) ratio11.9702%1,981
Tier 1 risk-based capital ratio14.4804%3,303
Total risk-based capital ratio15.6269%3,270
Memoranda:
Average total assets$69,705,6006,045
Average earning assets$62,633,6006,068
Average equity$8,091,0006,052
Average total loans$50,574,6005,682