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Peoples State Bank, Performance and Condition Ratios

2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9464%168
Cost of funding earning assets1.0553%472
Net interest margin4.8912%321
Noninterest income to average assets0.3197%4,012
Noninterest expense to average assets1.8912%4,919
Loan and lease loss provision to assets0.1635%1,163
Net operating income to assets2.7051%116
Return on assets (ROA)2.7051%116
Pretax return on assets2.8795%129
Return on Equity (ROE)24.5977%94
Retained earnings to average equity (ytd only)4.7741%3,360
Net charge-offs to loans0.0143%2,912
Credit loss provision to net charge-offs1,500.0000%268
Earnings coverage of net charge-offs (x)279.1600%329
Efficiency ratio38.3284%5,364
Assets per employee ($millions)6.1858%1,359
Cash dividends to net income (ytd only)*80.5912%560
Condition Ratios (%)
Loss allowance to loans1.3715%1,809
Loan loss allowance to noncurrent loans36.8910%4,628
Noncurrent assets plus other real estate owned to assets2.9031%259
Noncurrent loans to loans3.7176%247
Net loans and leases to total assets77.0201%1,499
Net loans and leases to deposits92.1059%1,609
Net loans and leases to core deposits113.1268%862
Total domestic deposits to total assets83.6212%3,074
Equity capital to assets10.9053%2,745
Core capital (leverage) ratio11.1463%2,459
Tier 1 risk-based capital ratio10.9016%5,080
Total risk-based capital ratio11.9406%5,084
Memoranda:
Average total assets$73,390,0004,583
Average earning assets$69,238,5004,554
Average equity$8,071,0004,641
Average total loans$55,983,7504,230
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9011%162
Cost of funding earning assets1.0328%400
Net interest margin4.8683%322
Noninterest income to average assets0.3091%4,102
Noninterest expense to average assets1.8930%4,969
Loan and lease loss provision to assets0.1641%1,124
Net operating income to assets2.6946%107
Return on assets (ROA)2.6946%108
Pretax return on assets2.8423%136
Return on Equity (ROE)24.4326%101
Retained earnings to average equity (ytd only)7.0693%2,044
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.6376%5,422
Assets per employee ($millions)5.8352%1,610
Cash dividends to net income (ytd only)*71.0660%961
Condition Ratios (%)
Loss allowance to loans1.3398%1,992
Loan loss allowance to noncurrent loans98.5934%3,502
Noncurrent assets plus other real estate owned to assets1.0309%1,454
Noncurrent loans to loans1.3590%1,248
Net loans and leases to total assets74.8421%1,814
Net loans and leases to deposits89.0906%1,962
Net loans and leases to core deposits108.7793%1,065
Total domestic deposits to total assets84.0067%3,063
Equity capital to assets10.7307%2,901
Core capital (leverage) ratio11.3746%2,179
Tier 1 risk-based capital ratio10.6610%5,206
Total risk-based capital ratio11.6469%5,220
Memoranda:
Average total assets$73,110,0004,636
Average earning assets$68,936,3304,607
Average equity$8,063,0004,685
Average total loans$55,322,6704,276
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9252%157
Cost of funding earning assets1.0062%362
Net interest margin4.9190%266
Noninterest income to average assets0.3178%4,027
Noninterest expense to average assets1.9739%4,899
Loan and lease loss provision to assets0.1673%1,064
Net operating income to assets2.6876%107
Return on assets (ROA)2.6876%109
Pretax return on assets2.8382%130
Return on Equity (ROE)24.0264%106
Retained earnings to average equity (ytd only)9.0722%1,436
Net charge-offs to loans0.0148%2,235
Credit loss provision to net charge-offs1,500.0000%238
Earnings coverage of net charge-offs (x)269.5000%253
Efficiency ratio39.6417%5,465
Assets per employee ($millions)5.5157%1,927
Cash dividends to net income (ytd only)*62.2407%1,205
Condition Ratios (%)
Loss allowance to loans1.3718%1,947
Loan loss allowance to noncurrent loans52.3371%4,411
Noncurrent assets plus other real estate owned to assets1.9692%584
Noncurrent loans to loans2.6211%497
Net loans and leases to total assets74.0991%1,842
Net loans and leases to deposits87.8520%1,947
Net loans and leases to core deposits107.2724%1,165
Total domestic deposits to total assets84.3454%3,171
Equity capital to assets11.2169%2,375
Core capital (leverage) ratio11.3602%2,114
Tier 1 risk-based capital ratio10.8970%5,188
Total risk-based capital ratio11.8750%5,213
Memoranda:
Average total assets$71,736,5004,713
Average earning assets$67,981,0004,680
Average equity$8,024,5004,742
Average total loans$54,212,0004,341
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9623%142
Cost of funding earning assets0.9182%340
Net interest margin5.0441%221
Noninterest income to average assets0.4077%3,583
Noninterest expense to average assets1.9586%5,025
Loan and lease loss provision to assets0.1741%1,253
Net operating income to assets2.9176%75
Return on assets (ROA)2.9176%74
Pretax return on assets3.0409%98
Return on Equity (ROE)26.1999%57
Retained earnings to average equity (ytd only)7.9603%783
Net charge-offs to loans0.3289%774
Credit loss provision to net charge-offs70.1754%3,085
Earnings coverage of net charge-offs (x)12.9591%2,435
Efficiency ratio37.8575%5,559
Assets per employee ($millions)5.5207%1,910
Cash dividends to net income (ytd only)*69.6171%1,288
Condition Ratios (%)
Loss allowance to loans1.3033%2,202
Loan loss allowance to noncurrent loans48.6320%4,524
Noncurrent assets plus other real estate owned to assets2.0371%548
Noncurrent loans to loans2.6800%465
Net loans and leases to total assets75.0212%1,749
Net loans and leases to deposits87.8021%2,040
Net loans and leases to core deposits105.0186%1,342
Total domestic deposits to total assets85.4436%2,675
Equity capital to assets11.1552%2,483
Core capital (leverage) ratio11.0989%2,248
Tier 1 risk-based capital ratio10.8369%5,240
Total risk-based capital ratio11.7993%5,257
Memoranda:
Average total assets$68,927,2004,794
Average earning assets$65,126,2004,762
Average equity$7,675,6004,830
Average total loans$51,996,4004,408
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8670%153
Cost of funding earning assets0.9064%332
Net interest margin4.9606%243
Noninterest income to average assets0.3948%3,723
Noninterest expense to average assets1.9408%5,064
Loan and lease loss provision to assets0.1759%1,145
Net operating income to assets2.8516%93
Return on assets (ROA)2.8516%94
Pretax return on assets2.9630%118
Return on Equity (ROE)25.6194%67
Retained earnings to average equity (ytd only)6.3038%2,054
Net charge-offs to loans0.1713%1,219
Credit loss provision to net charge-offs136.3636%1,807
Earnings coverage of net charge-offs (x)24.3327%1,775
Efficiency ratio38.2070%5,615
Assets per employee ($millions)5.4632%1,961
Cash dividends to net income (ytd only)*75.3943%778
Condition Ratios (%)
Loss allowance to loans1.4345%1,763
Loan loss allowance to noncurrent loans155.3360%2,715
Noncurrent assets plus other real estate owned to assets0.7125%2,372
Noncurrent loans to loans0.9235%2,081
Net loans and leases to total assets76.0409%1,588
Net loans and leases to deposits88.7262%1,961
Net loans and leases to core deposits106.2798%1,254
Total domestic deposits to total assets85.7028%2,428
Equity capital to assets11.1150%2,749
Core capital (leverage) ratio11.0388%2,419
Tier 1 risk-based capital ratio10.7305%5,363
Total risk-based capital ratio11.8119%5,360
Memoranda:
Average total assets$68,216,7504,858
Average earning assets$64,426,5004,826
Average equity$7,593,0004,891
Average total loans$51,357,2504,461
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7557%174
Cost of funding earning assets0.8828%341
Net interest margin4.8729%273
Noninterest income to average assets0.3805%3,828
Noninterest expense to average assets1.9678%5,040
Loan and lease loss provision to assets0.1784%1,070
Net operating income to assets2.7377%101
Return on assets (ROA)2.7377%103
Pretax return on assets2.8447%134
Return on Equity (ROE)24.5840%85
Retained earnings to average equity (ytd only)3.2298%3,788
Net charge-offs to loans0.3306%608
Credit loss provision to net charge-offs72.2892%2,352
Earnings coverage of net charge-offs (x)12.2530%2,209
Efficiency ratio39.4282%5,642
Assets per employee ($millions)5.3402%2,018
Cash dividends to net income (ytd only)*86.8621%694
Condition Ratios (%)
Loss allowance to loans1.3703%2,087
Loan loss allowance to noncurrent loans251.3605%1,824
Noncurrent assets plus other real estate owned to assets0.4235%3,422
Noncurrent loans to loans0.5451%3,109
Net loans and leases to total assets76.6212%1,446
Net loans and leases to deposits86.9804%2,105
Net loans and leases to core deposits103.0853%1,434
Total domestic deposits to total assets88.0902%1,411
Equity capital to assets11.0426%2,761
Core capital (leverage) ratio11.1010%2,314
Tier 1 risk-based capital ratio10.6206%5,416
Total risk-based capital ratio11.6600%5,428
Memoranda:
Average total assets$67,282,0004,915
Average earning assets$63,658,6704,876
Average equity$7,492,6704,929
Average total loans$50,212,6704,522
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7016%180
Cost of funding earning assets0.8338%400
Net interest margin4.8678%277
Noninterest income to average assets0.3746%3,843
Noninterest expense to average assets2.0298%4,980
Loan and lease loss provision to assets0.1812%952
Net operating income to assets2.6400%115
Return on assets (ROA)2.6400%120
Pretax return on assets2.7487%161
Return on Equity (ROE)23.6025%112
Retained earnings to average equity (ytd only)1.9984%4,337
Net charge-offs to loans0.1985%867
Credit loss provision to net charge-offs125.0000%1,346
Earnings coverage of net charge-offs (x)20.2083%1,493
Efficiency ratio40.9257%5,674
Assets per employee ($millions)5.1381%2,259
Cash dividends to net income (ytd only)*91.5332%805
Condition Ratios (%)
Loss allowance to loans1.5625%1,473
Loan loss allowance to noncurrent loans200.5222%2,253
Noncurrent assets plus other real estate owned to assets0.5734%2,943
Noncurrent loans to loans0.7792%2,514
Net loans and leases to total assets72.4366%2,012
Net loans and leases to deposits81.7574%2,543
Net loans and leases to core deposits96.7235%1,769
Total domestic deposits to total assets88.5994%1,374
Equity capital to assets11.1760%2,449
Core capital (leverage) ratio11.1680%2,220
Tier 1 risk-based capital ratio10.6944%5,461
Total risk-based capital ratio11.7946%5,445
Memoranda:
Average total assets$66,212,0004,978
Average earning assets$62,368,5004,945
Average equity$7,406,0004,986
Average total loans$48,353,5004,613
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7113%186
Cost of funding earning assets0.7806%551
Net interest margin4.9307%281
Noninterest income to average assets0.4144%3,780
Noninterest expense to average assets2.0206%5,148
Loan and lease loss provision to assets0.1869%1,262
Net operating income to assets2.7528%102
Return on assets (ROA)2.7528%106
Pretax return on assets2.8712%127
Return on Equity (ROE)24.1810%86
Retained earnings to average equity (ytd only)5.7065%1,879
Net charge-offs to loans0.1199%2,057
Credit loss provision to net charge-offs214.2857%1,324
Earnings coverage of net charge-offs (x)35.0536%1,299
Efficiency ratio39.7853%5,787
Assets per employee ($millions)5.0484%2,333
Cash dividends to net income (ytd only)*76.4007%1,045
Condition Ratios (%)
Loss allowance to loans1.6024%1,368
Loan loss allowance to noncurrent loans217.0940%2,120
Noncurrent assets plus other real estate owned to assets0.5348%3,139
Noncurrent loans to loans0.7381%2,683
Net loans and leases to total assets71.2993%2,278
Net loans and leases to deposits80.4404%2,843
Net loans and leases to core deposits94.5065%2,054
Total domestic deposits to total assets88.6361%1,304
Equity capital to assets11.1947%2,424
Core capital (leverage) ratio11.2380%2,132
Tier 1 risk-based capital ratio10.9062%5,390
Total risk-based capital ratio12.0231%5,349
Memoranda:
Average total assets$64,190,2005,045
Average earning assets$60,721,4005,002
Average equity$7,307,4005,039
Average total loans$46,686,4004,674
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7089%188
Cost of funding earning assets0.7737%564
Net interest margin4.9353%287
Noninterest income to average assets0.3948%3,959
Noninterest expense to average assets2.0261%5,150
Loan and lease loss provision to assets0.1880%1,162
Net operating income to assets2.7447%113
Return on assets (ROA)2.7447%117
Pretax return on assets2.8575%135
Return on Equity (ROE)24.0077%99
Retained earnings to average equity (ytd only)6.6505%1,815
Net charge-offs to loans0.0086%3,627
Credit loss provision to net charge-offs3,000.0000%168
Earnings coverage of net charge-offs (x)485.9875%183
Efficiency ratio39.9506%5,833
Assets per employee ($millions)6.0061%1,430
Cash dividends to net income (ytd only)*72.2985%962
Condition Ratios (%)
Loss allowance to loans1.6074%1,444
Loan loss allowance to noncurrent loans192.8747%2,306
Noncurrent assets plus other real estate owned to assets0.6160%3,060
Noncurrent loans to loans0.8334%2,599
Net loans and leases to total assets72.7307%2,056
Net loans and leases to deposits82.5377%2,668
Net loans and leases to core deposits96.2792%1,963
Total domestic deposits to total assets88.1181%1,347
Equity capital to assets11.5126%2,502
Core capital (leverage) ratio11.2606%2,221
Tier 1 risk-based capital ratio10.9105%5,419
Total risk-based capital ratio12.0696%5,376
Memoranda:
Average total assets$63,830,5005,101
Average earning assets$60,488,5005,048
Average equity$7,297,5005,093
Average total loans$46,469,2504,718
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6958%188
Cost of funding earning assets0.7731%559
Net interest margin4.9228%304
Noninterest income to average assets0.3614%4,178
Noninterest expense to average assets2.0195%5,234
Loan and lease loss provision to assets0.1902%1,139
Net operating income to assets2.7011%114
Return on assets (ROA)2.7011%114
Pretax return on assets2.8152%141
Return on Equity (ROE)23.6842%115
Retained earnings to average equity (ytd only)1.4455%4,798
Net charge-offs to loans0.0175%3,157
Credit loss provision to net charge-offs1,500.0000%264
Earnings coverage of net charge-offs (x)237.0000%278
Efficiency ratio40.1893%5,902
Assets per employee ($millions)5.8987%1,479
Cash dividends to net income (ytd only)*93.8967%608
Condition Ratios (%)
Loss allowance to loans1.5679%1,625
Loan loss allowance to noncurrent loans49.5076%4,822
Noncurrent assets plus other real estate owned to assets2.4350%587
Noncurrent loans to loans3.1670%449
Net loans and leases to total assets72.9526%2,021
Net loans and leases to deposits82.4382%2,656
Net loans and leases to core deposits113.7912%739
Total domestic deposits to total assets88.4937%1,170
Equity capital to assets11.2089%2,837
Core capital (leverage) ratio10.8873%2,546
Tier 1 risk-based capital ratio10.5944%5,631
Total risk-based capital ratio11.7233%5,595
Memoranda:
Average total assets$63,085,0005,171
Average earning assets$59,763,0005,121
Average equity$7,194,6705,159
Average total loans$45,680,3304,779
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5597%235
Cost of funding earning assets0.7884%520
Net interest margin4.7713%381
Noninterest income to average assets0.3924%3,889
Noninterest expense to average assets2.0906%5,133
Loan and lease loss provision to assets0.1930%1,027
Net operating income to assets2.5087%153
Return on assets (ROA)2.5087%158
Pretax return on assets2.6244%198
Return on Equity (ROE)21.8014%162
Retained earnings to average equity (ytd only)-0.5590%5,212
Net charge-offs to loans0.0270%2,400
Credit loss provision to net charge-offs1,000.0000%359
Earnings coverage of net charge-offs (x)146.0000%411
Efficiency ratio42.5950%5,904
Assets per employee ($millions)5.6575%1,700
Cash dividends to net income (ytd only)*102.5641%682
Condition Ratios (%)
Loss allowance to loans1.6176%1,557
Loan loss allowance to noncurrent loans125.2159%3,142
Noncurrent assets plus other real estate owned to assets1.0220%2,161
Noncurrent loans to loans1.2918%1,868
Net loans and leases to total assets70.8558%2,208
Net loans and leases to deposits80.3275%2,749
Net loans and leases to core deposits112.8529%716
Total domestic deposits to total assets88.2086%1,527
Equity capital to assets11.5535%2,394
Core capital (leverage) ratio11.3583%2,086
Tier 1 risk-based capital ratio10.7860%5,617
Total risk-based capital ratio11.9008%5,596
Memoranda:
Average total assets$62,184,5005,241
Average earning assets$58,852,5005,192
Average equity$7,155,5005,201
Average total loans$44,475,5004,852
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7345%189
Cost of funding earning assets0.7851%536
Net interest margin4.9494%280
Noninterest income to average assets0.4208%3,888
Noninterest expense to average assets2.0599%5,333
Loan and lease loss provision to assets0.1957%1,112
Net operating income to assets2.7155%117
Return on assets (ROA)2.7155%119
Pretax return on assets2.8330%131
Return on Equity (ROE)23.6896%121
Retained earnings to average equity (ytd only)3.0590%3,882
Net charge-offs to loans0.1728%1,652
Credit loss provision to net charge-offs157.8947%1,694
Earnings coverage of net charge-offs (x)24.4342%1,676
Efficiency ratio40.4808%6,057
Assets per employee ($millions)5.6488%1,656
Cash dividends to net income (ytd only)*87.0871%675
Condition Ratios (%)
Loss allowance to loans1.5817%1,672
Loan loss allowance to noncurrent loans307.4890%1,604
Noncurrent assets plus other real estate owned to assets0.4571%3,779
Noncurrent loans to loans0.5144%3,636
Net loans and leases to total assets69.8988%2,377
Net loans and leases to deposits79.0971%2,930
Net loans and leases to core deposits92.2184%2,197
Total domestic deposits to total assets88.3709%1,438
Equity capital to assets11.4602%2,391
Core capital (leverage) ratio11.0764%2,325
Tier 1 risk-based capital ratio10.9072%5,571
Total risk-based capital ratio11.9911%5,569
Memoranda:
Average total assets$61,314,0005,288
Average earning assets$57,825,2005,242
Average equity$7,028,4005,236
Average total loans$43,986,4004,857
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7732%176
Cost of funding earning assets0.7841%542
Net interest margin4.9891%258
Noninterest income to average assets0.4342%3,838
Noninterest expense to average assets2.0335%5,415
Loan and lease loss provision to assets0.1964%1,029
Net operating income to assets2.7928%108
Return on assets (ROA)2.7928%108
Pretax return on assets2.9106%130
Return on Equity (ROE)24.3620%123
Retained earnings to average equity (ytd only)2.9501%4,349
Net charge-offs to loans0.2306%1,143
Credit loss provision to net charge-offs118.4211%2,009
Earnings coverage of net charge-offs (x)18.7370%1,982
Efficiency ratio39.5586%6,140
Assets per employee ($millions)5.2893%1,962
Cash dividends to net income (ytd only)*87.8907%566
Condition Ratios (%)
Loss allowance to loans1.4892%2,202
Loan loss allowance to noncurrent loans285.4701%1,672
Noncurrent assets plus other real estate owned to assets0.4601%3,951
Noncurrent loans to loans0.5217%3,787
Net loans and leases to total assets69.6192%2,448
Net loans and leases to deposits78.6697%3,023
Net loans and leases to core deposits94.0130%2,074
Total domestic deposits to total assets88.4955%1,299
Equity capital to assets11.1799%2,816
Core capital (leverage) ratio11.2961%2,202
Tier 1 risk-based capital ratio10.7052%5,799
Total risk-based capital ratio11.7322%5,825
Memoranda:
Average total assets$61,108,2505,360
Average earning assets$57,644,5005,318
Average equity$7,005,2505,311
Average total loans$43,950,2504,916
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9168%143
Cost of funding earning assets0.7854%539
Net interest margin5.1314%197
Noninterest income to average assets0.4178%3,941
Noninterest expense to average assets1.9429%5,650
Loan and lease loss provision to assets0.1989%988
Net operating income to assets2.9874%91
Return on assets (ROA)2.9874%92
Pretax return on assets3.1067%125
Return on Equity (ROE)25.8351%105
Retained earnings to average equity (ytd only)2.1792%4,619
Net charge-offs to loans0.1604%1,514
Credit loss provision to net charge-offs171.4286%1,395
Earnings coverage of net charge-offs (x)28.4857%1,416
Efficiency ratio37.0183%6,252
Assets per employee ($millions)5.0617%2,193
Cash dividends to net income (ytd only)*91.5649%680
Condition Ratios (%)
Loss allowance to loans1.4943%2,322
Loan loss allowance to noncurrent loans129.8279%3,105
Noncurrent assets plus other real estate owned to assets0.8610%2,829
Noncurrent loans to loans1.1510%2,346
Net loans and leases to total assets73.6895%1,709
Net loans and leases to deposits83.5305%2,379
Net loans and leases to core deposits100.7700%1,423
Total domestic deposits to total assets88.2186%1,536
Equity capital to assets11.4900%2,422
Core capital (leverage) ratio11.4377%2,044
Tier 1 risk-based capital ratio11.3522%5,542
Total risk-based capital ratio11.3522%6,003
Memoranda:
Average total assets$60,320,6705,440
Average earning assets$56,787,6705,400
Average equity$6,975,0005,365
Average total loans$43,648,3304,960
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8346%163
Cost of funding earning assets0.7675%598
Net interest margin5.0671%219
Noninterest income to average assets0.3726%4,224
Noninterest expense to average assets1.9098%5,744
Loan and lease loss provision to assets0.1996%931
Net operating income to assets2.8880%92
Return on assets (ROA)2.8880%98
Pretax return on assets3.0078%132
Return on Equity (ROE)24.8960%106
Retained earnings to average equity (ytd only)-3.7860%5,849
Net charge-offs to loans-0.0187%5,012
Credit loss provision to net charge-offs-1,500.0000%5,045
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.3212%6,317
Assets per employee ($millions)5.0148%2,339
Cash dividends to net income (ytd only)*115.2074%555
Condition Ratios (%)
Loss allowance to loans1.6133%2,003
Loan loss allowance to noncurrent loans46.6984%5,116
Noncurrent assets plus other real estate owned to assets2.4411%889
Noncurrent loans to loans3.4547%558
Net loans and leases to total assets69.5216%2,199
Net loans and leases to deposits79.6285%2,603
Net loans and leases to core deposits95.8376%1,629
Total domestic deposits to total assets87.3074%2,209
Equity capital to assets11.6024%2,377
Core capital (leverage) ratio11.3632%2,110
Tier 1 risk-based capital ratio11.2504%5,688
Total risk-based capital ratio11.2504%6,119
Memoranda:
Average total assets$60,111,0005,499
Average earning assets$56,285,0005,459
Average equity$6,973,0005,406
Average total loans$42,753,5005,035
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7579%210
Cost of funding earning assets0.8448%522
Net interest margin4.9130%347
Noninterest income to average assets0.4907%3,579
Noninterest expense to average assets1.9444%5,870
Loan and lease loss provision to assets0.2010%1,264
Net operating income to assets2.8672%106
Return on assets (ROA)2.8672%105
Pretax return on assets2.9912%116
Return on Equity (ROE)25.5622%94
Retained earnings to average equity (ytd only)3.1654%3,985
Net charge-offs to loans0.1086%2,963
Credit loss provision to net charge-offs260.8696%983
Earnings coverage of net charge-offs (x)41.4348%1,052
Efficiency ratio37.8546%6,426
Assets per employee ($millions)5.0038%2,317
Cash dividends to net income (ytd only)*87.6168%645
Condition Ratios (%)
Loss allowance to loans1.5215%2,377
Loan loss allowance to noncurrent loans61.2933%4,771
Noncurrent assets plus other real estate owned to assets1.7770%1,472
Noncurrent loans to loans2.4823%1,030
Net loans and leases to total assets70.4988%2,156
Net loans and leases to deposits80.6950%2,642
Net loans and leases to core deposits93.9374%1,930
Total domestic deposits to total assets87.3645%2,098
Equity capital to assets11.5980%2,345
Core capital (leverage) ratio11.4309%2,037
Tier 1 risk-based capital ratio12.9459%4,753
Total risk-based capital ratio14.1876%4,685
Memoranda:
Average total assets$59,709,0005,558
Average earning assets$56,462,0005,508
Average equity$6,697,4005,481
Average total loans$42,357,4005,090
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6948%230
Cost of funding earning assets0.8623%511
Net interest margin4.8324%399
Noninterest income to average assets0.4651%3,767
Noninterest expense to average assets1.9768%5,803
Loan and lease loss provision to assets0.2013%1,177
Net operating income to assets2.7527%114
Return on assets (ROA)2.7527%113
Pretax return on assets2.8734%129
Return on Equity (ROE)24.7527%108
Retained earnings to average equity (ytd only)2.6341%4,718
Net charge-offs to loans0.0284%3,917
Credit loss provision to net charge-offs1,000.0000%325
Earnings coverage of net charge-offs (x)152.7742%409
Efficiency ratio39.1324%6,472
Assets per employee ($millions)4.9984%2,241
Cash dividends to net income (ytd only)*89.3584%544
Condition Ratios (%)
Loss allowance to loans1.5028%2,692
Loan loss allowance to noncurrent loans211.8590%2,059
Noncurrent assets plus other real estate owned to assets0.5202%4,318
Noncurrent loans to loans0.7093%3,834
Net loans and leases to total assets72.2312%1,805
Net loans and leases to deposits83.5342%2,220
Net loans and leases to core deposits97.4252%1,559
Total domestic deposits to total assets86.4690%2,603
Equity capital to assets11.4786%2,502
Core capital (leverage) ratio11.1315%2,367
Tier 1 risk-based capital ratio12.6922%5,044
Total risk-based capital ratio13.9375%4,958
Memoranda:
Average total assets$59,625,0005,620
Average earning assets$56,588,7505,557
Average equity$6,630,7505,548
Average total loans$42,200,5005,155
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5666%276
Cost of funding earning assets0.8788%481
Net interest margin4.6879%499
Noninterest income to average assets0.4705%3,706
Noninterest expense to average assets1.9561%5,906
Loan and lease loss provision to assets0.2017%1,189
Net operating income to assets2.6384%121
Return on assets (ROA)2.6384%122
Pretax return on assets2.7594%148
Return on Equity (ROE)23.9841%139
Retained earnings to average equity (ytd only)-3.5136%6,137
Net charge-offs to loans0.0433%3,361
Credit loss provision to net charge-offs666.6667%466
Earnings coverage of net charge-offs (x)97.8889%563
Efficiency ratio39.7813%6,524
Assets per employee ($millions)5.4848%1,705
Cash dividends to net income (ytd only)*114.6497%403
Condition Ratios (%)
Loss allowance to loans1.4475%3,122
Loan loss allowance to noncurrent loans201.5974%2,119
Noncurrent assets plus other real estate owned to assets0.5188%4,445
Noncurrent loans to loans0.7180%3,909
Net loans and leases to total assets71.2065%1,881
Net loans and leases to deposits81.0998%2,375
Net loans and leases to core deposits94.2582%1,748
Total domestic deposits to total assets87.8010%2,034
Equity capital to assets11.0222%2,851
Core capital (leverage) ratio10.7499%2,674
Tier 1 risk-based capital ratio12.4522%5,258
Total risk-based capital ratio13.6644%5,206
Memoranda:
Average total assets$59,506,3305,676
Average earning assets$56,443,6705,599
Average equity$6,546,0005,594
Average total loans$41,605,3305,211
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5307%279
Cost of funding earning assets0.9087%429
Net interest margin4.6220%540
Noninterest income to average assets0.3655%4,466
Noninterest expense to average assets2.0239%5,836
Loan and lease loss provision to assets0.2031%1,147
Net operating income to assets2.3895%179
Return on assets (ROA)2.3895%189
Pretax return on assets2.5113%219
Return on Equity (ROE)21.7431%207
Retained earnings to average equity (ytd only)-21.3736%6,544
Net charge-offs to loans0.0689%2,462
Credit loss provision to net charge-offs428.5714%614
Earnings coverage of net charge-offs (x)57.2857%679
Efficiency ratio42.7143%6,529
Assets per employee ($millions)5.6089%1,609
Cash dividends to net income (ytd only)*198.3003%261
Condition Ratios (%)
Loss allowance to loans1.5190%3,064
Loan loss allowance to noncurrent loans93.9252%3,760
Noncurrent assets plus other real estate owned to assets1.0811%3,091
Noncurrent loans to loans1.6172%2,405
Net loans and leases to total assets63.3651%3,002
Net loans and leases to deposits71.5200%3,406
Net loans and leases to core deposits82.8091%2,656
Total domestic deposits to total assets88.5977%1,893
Equity capital to assets10.2986%3,476
Core capital (leverage) ratio10.5522%2,866
Tier 1 risk-based capital ratio12.7904%5,127
Total risk-based capital ratio14.0246%5,082
Memoranda:
Average total assets$59,093,0005,737
Average earning assets$55,906,0005,670
Average equity$6,494,0005,637
Average total loans$40,612,0005,293
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0148%166
Cost of funding earning assets1.0824%312
Net interest margin4.9324%337
Noninterest income to average assets0.4846%3,857
Noninterest expense to average assets1.9813%6,063
Loan and lease loss provision to assets0.3040%1,104
Net operating income to assets2.6787%144
Return on assets (ROA)2.6787%143
Pretax return on assets2.7950%149
Return on Equity (ROE)23.5180%162
Retained earnings to average equity (ytd only)5.4635%2,301
Net charge-offs to loans0.2341%2,577
Credit loss provision to net charge-offs182.7957%1,258
Earnings coverage of net charge-offs (x)18.6344%1,644
Efficiency ratio39.0004%6,709
Assets per employee ($millions)5.1353%2,028
Cash dividends to net income (ytd only)*76.7690%1,034
Condition Ratios (%)
Loss allowance to loans1.3967%3,670
Loan loss allowance to noncurrent loans552.3810%879
Noncurrent assets plus other real estate owned to assets0.2301%5,591
Noncurrent loans to loans0.2529%5,423
Net loans and leases to total assets72.4862%1,600
Net loans and leases to deposits84.0970%1,931
Net loans and leases to core deposits97.2450%1,366
Total domestic deposits to total assets86.1935%3,160
Equity capital to assets11.7441%1,993
Core capital (leverage) ratio11.4823%1,976
Tier 1 risk-based capital ratio13.3094%4,780
Total risk-based capital ratio14.4797%4,774
Memoranda:
Average total assets$55,921,8005,874
Average earning assets$52,104,4005,832
Average equity$6,369,6005,724
Average total loans$39,732,8005,359
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0280%173
Cost of funding earning assets1.1262%265
Net interest margin4.9018%366
Noninterest income to average assets0.4900%3,879
Noninterest expense to average assets2.1226%5,786
Loan and lease loss provision to assets0.3346%983
Net operating income to assets2.4500%182
Return on assets (ROA)2.4500%191
Pretax return on assets2.5791%225
Return on Equity (ROE)21.6805%215
Retained earnings to average equity (ytd only)-2.6439%6,328
Net charge-offs to loans0.2681%2,209
Credit loss provision to net charge-offs177.2152%1,360
Earnings coverage of net charge-offs (x)15.4305%1,865
Efficiency ratio42.1452%6,706
Assets per employee ($millions)5.1351%2,012
Cash dividends to net income (ytd only)*112.1957%291
Condition Ratios (%)
Loss allowance to loans1.3839%3,969
Loan loss allowance to noncurrent loans206.5934%1,931
Noncurrent assets plus other real estate owned to assets0.5276%4,859
Noncurrent loans to loans0.6699%4,526
Net loans and leases to total assets71.1504%1,756
Net loans and leases to deposits82.0573%2,130
Net loans and leases to core deposits93.2591%1,646
Total domestic deposits to total assets86.7082%2,847
Equity capital to assets11.0541%2,712
Core capital (leverage) ratio11.0033%2,477
Tier 1 risk-based capital ratio12.5910%5,398
Total risk-based capital ratio13.7510%5,401
Memoranda:
Average total assets$55,780,2505,946
Average earning assets$51,734,7505,907
Average equity$6,303,5005,813
Average total loans$39,284,5005,431
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9442%197
Cost of funding earning assets1.1407%272
Net interest margin4.8034%432
Noninterest income to average assets0.4825%3,948
Noninterest expense to average assets2.0776%5,913
Loan and lease loss provision to assets0.2160%1,756
Net operating income to assets2.5169%171
Return on assets (ROA)2.5169%183
Pretax return on assets2.6465%223
Return on Equity (ROE)22.1086%202
Retained earnings to average equity (ytd only)-3.9852%6,394
Net charge-offs to loans0.0412%4,099
Credit loss provision to net charge-offs750.0000%398
Earnings coverage of net charge-offs (x)99.3750%464
Efficiency ratio42.0554%6,752
Assets per employee ($millions)5.0423%2,067
Cash dividends to net income (ytd only)*118.0258%354
Condition Ratios (%)
Loss allowance to loans1.3810%4,124
Loan loss allowance to noncurrent loans281.7259%1,495
Noncurrent assets plus other real estate owned to assets0.4093%5,253
Noncurrent loans to loans0.4902%5,038
Net loans and leases to total assets71.4577%1,654
Net loans and leases to deposits83.6761%1,839
Net loans and leases to core deposits95.5428%1,394
Total domestic deposits to total assets85.3980%3,698
Equity capital to assets11.2936%2,474
Core capital (leverage) ratio10.9829%2,370
Tier 1 risk-based capital ratio12.7566%5,323
Total risk-based capital ratio13.9133%5,324
Memoranda:
Average total assets$55,545,0005,982
Average earning assets$51,546,3305,952
Average equity$6,323,3305,843
Average total loans$38,794,6705,476
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8061%230
Cost of funding earning assets1.1643%267
Net interest margin4.6418%526
Noninterest income to average assets0.4678%4,005
Noninterest expense to average assets2.0365%6,029
Loan and lease loss provision to assets0.2159%1,719
Net operating income to assets2.3603%185
Return on assets (ROA)2.3603%203
Pretax return on assets2.4899%271
Return on Equity (ROE)20.6517%252
Retained earnings to average equity (ytd only)-31.2923%6,902
Net charge-offs to loans-0.0105%5,459
Credit loss provision to net charge-offs-3,000.0000%5,815
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.9439%6,809
Assets per employee ($millions)5.0580%2,142
Cash dividends to net income (ytd only)*251.5244%132
Condition Ratios (%)
Loss allowance to loans1.3865%4,308
Loan loss allowance to noncurrent loans260.9756%1,510
Noncurrent assets plus other real estate owned to assets0.4224%5,341
Noncurrent loans to loans0.5313%5,112
Net loans and leases to total assets68.3903%1,941
Net loans and leases to deposits79.8921%2,087
Net loans and leases to core deposits91.4248%1,567
Total domestic deposits to total assets85.6034%3,737
Equity capital to assets10.9458%3,021
Core capital (leverage) ratio10.3971%2,909
Tier 1 risk-based capital ratio12.1982%5,790
Total risk-based capital ratio13.3332%5,813
Memoranda:
Average total assets$55,585,0006,031
Average earning assets$51,187,5006,015
Average equity$6,353,0005,898
Average total loans$38,097,5005,541
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9145%304
Cost of funding earning assets1.3016%371
Net interest margin4.6129%765
Noninterest income to average assets0.4877%3,980
Noninterest expense to average assets1.9944%6,336
Loan and lease loss provision to assets0.3094%2,204
Net operating income to assets2.3238%201
Return on assets (ROA)2.3238%219
Pretax return on assets2.4275%280
Return on Equity (ROE)20.7501%272
Retained earnings to average equity (ytd only)8.8070%879
Net charge-offs to loans0.6764%1,743
Credit loss provision to net charge-offs68.8259%4,210
Earnings coverage of net charge-offs (x)6.0891%2,877
Efficiency ratio42.1538%6,890
Assets per employee ($millions)5.0484%2,171
Cash dividends to net income (ytd only)*57.5568%1,924
Condition Ratios (%)
Loss allowance to loans1.3401%4,455
Loan loss allowance to noncurrent loans250.7463%1,529
Noncurrent assets plus other real estate owned to assets0.4160%5,449
Noncurrent loans to loans0.5344%5,191
Net loans and leases to total assets66.8173%2,401
Net loans and leases to deposits78.8814%2,414
Net loans and leases to core deposits86.8339%2,204
Total domestic deposits to total assets84.7061%3,986
Equity capital to assets11.9139%2,107
Core capital (leverage) ratio11.3086%2,008
Tier 1 risk-based capital ratio13.3387%4,872
Total risk-based capital ratio14.4147%4,929
Memoranda:
Average total assets$54,953,6006,050
Average earning assets$50,554,0006,030
Average equity$6,154,2005,982
Average total loans$36,519,0005,659
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9129%324
Cost of funding earning assets1.3228%401
Net interest margin4.5901%838
Noninterest income to average assets0.4671%4,164
Noninterest expense to average assets2.0775%6,213
Loan and lease loss provision to assets0.3406%1,922
Net operating income to assets2.1918%285
Return on assets (ROA)2.1918%324
Pretax return on assets2.2867%408
Return on Equity (ROE)19.8932%333
Retained earnings to average equity (ytd only)3.6652%4,309
Net charge-offs to loans0.8460%1,303
Credit loss provision to net charge-offs60.8696%4,130
Earnings coverage of net charge-offs (x)4.6956%3,231
Efficiency ratio44.1572%6,892
Assets per employee ($millions)4.9222%2,296
Cash dividends to net income (ytd only)*81.5766%611
Condition Ratios (%)
Loss allowance to loans1.3282%4,685
Loan loss allowance to noncurrent loans239.5122%1,503
Noncurrent assets plus other real estate owned to assets0.5264%5,359
Noncurrent loans to loans0.5545%5,336
Net loans and leases to total assets67.3703%2,388
Net loans and leases to deposits79.5312%2,470
Net loans and leases to core deposits87.7758%2,238
Total domestic deposits to total assets84.7093%3,881
Equity capital to assets11.6541%2,589
Core capital (leverage) ratio10.9587%2,434
Tier 1 risk-based capital ratio12.7986%5,408
Total risk-based capital ratio13.8685%5,509
Memoranda:
Average total assets$54,809,0006,128
Average earning assets$50,600,2506,095
Average equity$6,038,7506,080
Average total loans$36,246,5005,739
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9461%320
Cost of funding earning assets1.3539%421
Net interest margin4.5922%840
Noninterest income to average assets0.3961%4,683
Noninterest expense to average assets2.0643%6,308
Loan and lease loss provision to assets0.2181%2,894
Net operating income to assets2.2533%262
Return on assets (ROA)2.2533%296
Pretax return on assets2.3296%393
Return on Equity (ROE)20.8462%298
Retained earnings to average equity (ytd only)-3.0261%6,464
Net charge-offs to loans1.2887%830
Credit loss provision to net charge-offs25.8621%4,511
Earnings coverage of net charge-offs (x)3.0216%3,540
Efficiency ratio44.7597%6,927
Assets per employee ($millions)4.8314%2,385
Cash dividends to net income (ytd only)*114.5161%306
Condition Ratios (%)
Loss allowance to loans1.0949%5,797
Loan loss allowance to noncurrent loans305.2239%1,177
Noncurrent assets plus other real estate owned to assets0.5118%5,484
Noncurrent loans to loans0.3587%5,825
Net loans and leases to total assets69.5192%2,004
Net loans and leases to deposits82.7125%2,022
Net loans and leases to core deposits92.1117%1,769
Total domestic deposits to total assets84.0493%4,303
Equity capital to assets11.3727%2,714
Core capital (leverage) ratio10.2124%3,126
Tier 1 risk-based capital ratio12.1777%5,814
Total risk-based capital ratio13.0668%6,019
Memoranda:
Average total assets$55,030,6706,164
Average earning assets$50,520,3306,137
Average equity$5,948,3306,131
Average total loans$36,006,0005,781
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9263%343
Cost of funding earning assets1.4005%427
Net interest margin4.5259%962
Noninterest income to average assets0.3359%5,173
Noninterest expense to average assets2.0152%6,436
Loan and lease loss provision to assets0.2144%2,808
Net operating income to assets2.1296%333
Return on assets (ROA)2.1296%388
Pretax return on assets2.1939%542
Return on Equity (ROE)20.2017%378
Retained earnings to average equity (ytd only)-27.9298%7,116
Net charge-offs to loans0.3396%2,293
Credit loss provision to net charge-offs100.0000%2,289
Earnings coverage of net charge-offs (x)11.2333%1,685
Efficiency ratio45.5574%6,925
Assets per employee ($millions)5.1136%2,107
Cash dividends to net income (ytd only)*238.2550%116
Condition Ratios (%)
Loss allowance to loans1.6600%3,498
Loan loss allowance to noncurrent loans254.8246%1,323
Noncurrent assets plus other real estate owned to assets0.5476%5,509
Noncurrent loans to loans0.6514%5,339
Net loans and leases to total assets61.1911%3,413
Net loans and leases to deposits70.8114%3,612
Net loans and leases to core deposits78.6473%3,240
Total domestic deposits to total assets86.4142%3,293
Equity capital to assets10.1227%3,958
Core capital (leverage) ratio9.8745%3,535
Tier 1 risk-based capital ratio11.9215%6,012
Total risk-based capital ratio13.1731%6,008
Memoranda:
Average total assets$55,973,5006,177
Average earning assets$50,554,0006,170
Average equity$5,900,5006,172
Average total loans$35,331,5005,855
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1932%308
Cost of funding earning assets1.7194%301
Net interest margin4.4738%1,199
Noninterest income to average assets0.5239%3,689
Noninterest expense to average assets2.1288%6,430
Loan and lease loss provision to assets0.2329%3,876
Net operating income to assets2.2025%225
Return on assets (ROA)2.2025%236
Pretax return on assets2.2976%303
Return on Equity (ROE)20.6551%238
Retained earnings to average equity (ytd only)14.2857%158
Net charge-offs to loans0.0118%6,266
Credit loss provision to net charge-offs3,000.0000%73
Earnings coverage of net charge-offs (x)326.0000%112
Efficiency ratio45.6893%7,065
Assets per employee ($millions)5.0634%2,115
Cash dividends to net income (ytd only)*30.8370%3,078
Condition Ratios (%)
Loss allowance to loans1.6292%3,468
Loan loss allowance to noncurrent loans193.0233%1,715
Noncurrent assets plus other real estate owned to assets0.6841%5,273
Noncurrent loans to loans0.8440%4,999
Net loans and leases to total assets62.9854%3,404
Net loans and leases to deposits75.3021%3,294
Net loans and leases to core deposits85.7705%2,662
Total domestic deposits to total assets83.6436%4,477
Equity capital to assets10.9647%3,009
Core capital (leverage) ratio10.5256%2,695
Tier 1 risk-based capital ratio12.5586%5,402
Total risk-based capital ratio13.8107%5,389
Memoranda:
Average total assets$51,532,2006,317
Average earning assets$47,632,6006,268
Average equity$5,495,0006,296
Average total loans$33,913,4005,956
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2110%319
Cost of funding earning assets1.7807%280
Net interest margin4.4304%1,316
Noninterest income to average assets0.5281%3,667
Noninterest expense to average assets2.2050%6,265
Loan and lease loss provision to assets0.2377%3,632
Net operating income to assets2.1099%290
Return on assets (ROA)2.1099%310
Pretax return on assets2.2050%420
Return on Equity (ROE)19.9422%322
Retained earnings to average equity (ytd only)11.2065%595
Net charge-offs to loans0.0159%5,931
Credit loss provision to net charge-offs2,250.0000%121
Earnings coverage of net charge-offs (x)231.3884%171
Efficiency ratio47.4432%6,989
Assets per employee ($millions)4.8131%2,454
Cash dividends to net income (ytd only)*43.8051%1,861
Condition Ratios (%)
Loss allowance to loans1.5941%3,692
Loan loss allowance to noncurrent loans171.6511%1,777
Noncurrent assets plus other real estate owned to assets0.7574%5,262
Noncurrent loans to loans0.9287%5,025
Net loans and leases to total assets64.2452%3,261
Net loans and leases to deposits75.3072%3,452
Net loans and leases to core deposits87.1350%2,612
Total domestic deposits to total assets85.3109%3,609
Equity capital to assets10.9172%3,223
Core capital (leverage) ratio10.4839%2,885
Tier 1 risk-based capital ratio12.4245%5,552
Total risk-based capital ratio13.6760%5,542
Memoranda:
Average total assets$50,491,0006,410
Average earning assets$46,947,5006,343
Average equity$5,342,0006,393
Average total loans$33,476,2506,038
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2582%294
Cost of funding earning assets1.8692%240
Net interest margin4.3890%1,401
Noninterest income to average assets0.4912%3,937
Noninterest expense to average assets2.2185%6,337
Loan and lease loss provision to assets0.2416%3,492
Net operating income to assets2.0091%339
Return on assets (ROA)2.0091%354
Pretax return on assets2.1058%485
Return on Equity (ROE)19.2071%367
Retained earnings to average equity (ytd only)5.7352%2,572
Net charge-offs to loans-0.0060%6,610
Credit loss provision to net charge-offs-6,000.0000%6,783
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.5891%7,030
Assets per employee ($millions)4.5582%2,747
Cash dividends to net income (ytd only)*70.1403%1,031
Condition Ratios (%)
Loss allowance to loans1.5291%3,986
Loan loss allowance to noncurrent loans87.8130%3,240
Noncurrent assets plus other real estate owned to assets1.2046%4,482
Noncurrent loans to loans1.7413%3,827
Net loans and leases to total assets67.5588%2,700
Net loans and leases to deposits79.3116%2,921
Net loans and leases to core deposits91.3588%2,213
Total domestic deposits to total assets85.1815%3,793
Equity capital to assets10.8556%3,125
Core capital (leverage) ratio10.0589%3,188
Tier 1 risk-based capital ratio12.1003%5,711
Total risk-based capital ratio13.3507%5,677
Memoranda:
Average total assets$49,673,3306,488
Average earning assets$46,115,6706,439
Average equity$5,196,0006,468
Average total loans$33,113,3306,126
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1003%402
Cost of funding earning assets1.9490%207
Net interest margin4.1514%2,076
Noninterest income to average assets0.4369%4,393
Noninterest expense to average assets2.3463%6,062
Loan and lease loss provision to assets0.2427%3,243
Net operating income to assets1.5939%702
Return on assets (ROA)1.5939%746
Pretax return on assets1.6909%1,001
Return on Equity (ROE)15.5347%732
Retained earnings to average equity (ytd only)-12.0651%6,943
Net charge-offs to loans-0.0123%6,425
Credit loss provision to net charge-offs-3,000.0000%6,296
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8204%6,616
Assets per employee ($millions)4.6527%2,653
Cash dividends to net income (ytd only)*177.6650%247
Condition Ratios (%)
Loss allowance to loans1.5288%4,056
Loan loss allowance to noncurrent loans116.7059%2,485
Noncurrent assets plus other real estate owned to assets0.8402%5,225
Noncurrent loans to loans1.3099%4,509
Net loans and leases to total assets62.4228%3,772
Net loans and leases to deposits72.2887%4,027
Net loans and leases to core deposits84.2422%3,136
Total domestic deposits to total assets86.3521%3,308
Equity capital to assets9.7792%4,058
Core capital (leverage) ratio9.5489%3,727
Tier 1 risk-based capital ratio11.6830%5,951
Total risk-based capital ratio12.8976%5,973
Memoranda:
Average total assets$49,440,0006,546
Average earning assets$45,768,0006,494
Average equity$5,072,5006,530
Average total loans$32,470,0006,212
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7225%227
Cost of funding earning assets2.2637%242
Net interest margin4.4589%1,325
Noninterest income to average assets0.5742%3,635
Noninterest expense to average assets2.1853%6,654
Loan and lease loss provision to assets0.2524%4,776
Net operating income to assets2.1538%213
Return on assets (ROA)2.1538%224
Pretax return on assets2.2463%286
Return on Equity (ROE)21.9733%165
Retained earnings to average equity (ytd only)21.4368%43
Net charge-offs to loans0.6485%3,072
Credit loss provision to net charge-offs56.8720%6,138
Earnings coverage of net charge-offs (x)5.6303%2,576
Efficiency ratio46.6547%7,330
Assets per employee ($millions)4.3364%3,137
Cash dividends to net income (ytd only)*2.4414%3,918
Condition Ratios (%)
Loss allowance to loans1.4309%4,370
Loan loss allowance to noncurrent loans120.4663%2,434
Noncurrent assets plus other real estate owned to assets0.8197%5,358
Noncurrent loans to loans1.1878%4,734
Net loans and leases to total assets67.1509%3,175
Net loans and leases to deposits78.8009%3,365
Net loans and leases to core deposits91.2330%2,583
Total domestic deposits to total assets85.2159%3,744
Equity capital to assets10.7757%2,878
Core capital (leverage) ratio10.1418%2,935
Tier 1 risk-based capital ratio12.3541%5,157
Total risk-based capital ratio13.5212%5,201
Memoranda:
Average total assets$47,544,8006,616
Average earning assets$43,822,8006,586
Average equity$4,660,2006,770
Average total loans$32,535,6006,287
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7524%215
Cost of funding earning assets2.3138%261
Net interest margin4.4386%1,401
Noninterest income to average assets0.5697%3,651
Noninterest expense to average assets2.3239%6,252
Loan and lease loss provision to assets0.2526%4,566
Net operating income to assets1.9787%348
Return on assets (ROA)1.9787%376
Pretax return on assets2.0797%527
Return on Equity (ROE)20.7033%274
Retained earnings to average equity (ytd only)19.9689%84
Net charge-offs to loans0.7989%2,447
Credit loss provision to net charge-offs46.1538%5,942
Earnings coverage of net charge-offs (x)4.2616%3,131
Efficiency ratio49.9096%7,162
Assets per employee ($millions)4.4134%3,055
Cash dividends to net income (ytd only)*3.5458%3,466
Condition Ratios (%)
Loss allowance to loans1.3572%4,685
Loan loss allowance to noncurrent loans107.6372%2,606
Noncurrent assets plus other real estate owned to assets0.8734%5,350
Noncurrent loans to loans1.2609%4,746
Net loans and leases to total assets67.5181%3,329
Net loans and leases to deposits78.8786%3,652
Net loans and leases to core deposits94.1004%2,515
Total domestic deposits to total assets85.5975%3,295
Equity capital to assets10.2725%3,800
Core capital (leverage) ratio9.5200%3,876
Tier 1 risk-based capital ratio11.4411%5,983
Total risk-based capital ratio12.5621%6,086
Memoranda:
Average total assets$47,506,0006,701
Average earning assets$43,736,7506,670
Average equity$4,540,2506,893
Average total loans$32,545,5006,365
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7819%212
Cost of funding earning assets2.3327%309
Net interest margin4.4492%1,320
Noninterest income to average assets0.5640%3,595
Noninterest expense to average assets2.2859%6,392
Loan and lease loss provision to assets0.2545%4,387
Net operating income to assets2.0229%319
Return on assets (ROA)2.0229%348
Pretax return on assets2.1247%471
Return on Equity (ROE)21.7246%223
Retained earnings to average equity (ytd only)20.5860%80
Net charge-offs to loans0.0681%5,462
Credit loss provision to net charge-offs545.4545%676
Earnings coverage of net charge-offs (x)51.0000%583
Efficiency ratio49.0000%7,288
Assets per employee ($millions)4.3374%3,152
Cash dividends to net income (ytd only)*5.2411%3,248
Condition Ratios (%)
Loss allowance to loans1.7936%2,735
Loan loss allowance to noncurrent loans90.1639%3,021
Noncurrent assets plus other real estate owned to assets1.4169%4,350
Noncurrent loans to loans1.9893%3,730
Net loans and leases to total assets69.4305%3,033
Net loans and leases to deposits80.7616%3,472
Net loans and leases to core deposits97.3550%2,293
Total domestic deposits to total assets85.9697%3,111
Equity capital to assets9.8091%4,251
Core capital (leverage) ratio9.3641%4,020
Tier 1 risk-based capital ratio11.0774%6,154
Total risk-based capital ratio12.3307%6,139
Memoranda:
Average total assets$47,159,0006,758
Average earning assets$43,468,3306,718
Average equity$4,391,3306,981
Average total loans$32,317,6706,420
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8012%221
Cost of funding earning assets2.3879%316
Net interest margin4.4134%1,359
Noninterest income to average assets0.4693%4,298
Noninterest expense to average assets2.3036%6,367
Loan and lease loss provision to assets0.2560%3,994
Net operating income to assets1.8599%436
Return on assets (ROA)1.8599%480
Pretax return on assets1.9623%652
Return on Equity (ROE)20.5321%352
Retained earnings to average equity (ytd only)18.1775%238
Net charge-offs to loans0.1012%4,405
Credit loss provision to net charge-offs375.0000%1,071
Earnings coverage of net charge-offs (x)32.5000%824
Efficiency ratio50.9434%7,248
Assets per employee ($millions)4.2575%3,365
Cash dividends to net income (ytd only)*11.4679%2,389
Condition Ratios (%)
Loss allowance to loans1.8170%2,679
Loan loss allowance to noncurrent loans111.1538%2,484
Noncurrent assets plus other real estate owned to assets1.1210%4,916
Noncurrent loans to loans1.6347%4,298
Net loans and leases to total assets66.6916%3,699
Net loans and leases to deposits76.6191%4,297
Net loans and leases to core deposits90.3497%3,319
Total domestic deposits to total assets87.0430%2,608
Equity capital to assets9.2928%4,843
Core capital (leverage) ratio8.8820%4,754
Tier 1 risk-based capital ratio10.7902%6,354
Total risk-based capital ratio12.0430%6,331
Memoranda:
Average total assets$46,883,0006,844
Average earning assets$43,051,0006,820
Average equity$4,247,0007,100
Average total loans$31,611,0006,538
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2140%204
Cost of funding earning assets2.7579%502
Net interest margin4.4561%1,280
Noninterest income to average assets0.5512%4,015
Noninterest expense to average assets2.1940%7,009
Loan and lease loss provision to assets0.2584%5,331
Net operating income to assets2.1165%176
Return on assets (ROA)2.1165%189
Pretax return on assets2.2004%273
Return on Equity (ROE)23.5811%117
Retained earnings to average equity (ytd only)-3.2865%5,751
Net charge-offs to loans0.2126%5,293
Credit loss provision to net charge-offs176.4706%2,374
Earnings coverage of net charge-offs (x)16.7941%1,229
Efficiency ratio47.1541%7,658
Assets per employee ($millions)4.2667%3,320
Cash dividends to net income (ytd only)*113.9369%462
Condition Ratios (%)
Loss allowance to loans1.7701%2,639
Loan loss allowance to noncurrent loans113.2383%2,470
Noncurrent assets plus other real estate owned to assets1.0568%4,985
Noncurrent loans to loans1.5631%4,306
Net loans and leases to total assets65.7413%4,220
Net loans and leases to deposits75.0347%4,868
Net loans and leases to core deposits88.6281%5,264
Total domestic deposits to total assets87.6145%2,163
Equity capital to assets8.8252%5,390
Core capital (leverage) ratio8.3463%5,541
Tier 1 risk-based capital ratio10.2942%6,594
Total risk-based capital ratio11.5458%6,560
Memoranda:
Average total assets$46,445,2006,852
Average earning assets$42,750,0006,826
Average equity$4,168,6007,225
Average total loans$31,980,0006,520
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3372%181
Cost of funding earning assets2.8206%571
Net interest margin4.5167%1,155
Noninterest income to average assets0.5411%4,148
Noninterest expense to average assets2.3314%6,621
Loan and lease loss provision to assets0.2591%4,884
Net operating income to assets2.0263%275
Return on assets (ROA)2.0263%298
Pretax return on assets2.1126%429
Return on Equity (ROE)22.4810%186
Retained earnings to average equity (ytd only)-3.3849%6,005
Net charge-offs to loans0.2905%4,216
Credit loss provision to net charge-offs128.5714%3,898
Earnings coverage of net charge-offs (x)11.7716%1,829
Efficiency ratio49.5716%7,582
Assets per employee ($millions)4.1855%3,401
Cash dividends to net income (ytd only)*115.0569%442
Condition Ratios (%)
Loss allowance to loans1.6177%2,928
Loan loss allowance to noncurrent loans152.3256%1,875
Noncurrent assets plus other real estate owned to assets0.7580%5,612
Noncurrent loans to loans1.0620%5,192
Net loans and leases to total assets69.2144%3,672
Net loans and leases to deposits79.5105%4,479
Net loans and leases to core deposits95.0034%4,927
Total domestic deposits to total assets87.0507%2,156
Equity capital to assets9.1614%5,237
Core capital (leverage) ratio8.4815%5,529
Tier 1 risk-based capital ratio10.1868%6,793
Total risk-based capital ratio11.4389%6,729
Memoranda:
Average total assets$46,323,0006,906
Average earning assets$42,685,2506,884
Average equity$4,175,2507,291
Average total loans$32,122,2506,563
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3113%201
Cost of funding earning assets2.8626%666
Net interest margin4.4487%1,295
Noninterest income to average assets0.6162%3,561
Noninterest expense to average assets2.3698%6,557
Loan and lease loss provision to assets0.2585%4,509
Net operating income to assets1.9950%300
Return on assets (ROA)1.9950%333
Pretax return on assets2.0725%465
Return on Equity (ROE)22.2543%224
Retained earnings to average equity (ytd only)-2.4994%5,865
Net charge-offs to loans0.4371%3,058
Credit loss provision to net charge-offs85.7143%5,038
Earnings coverage of net charge-offs (x)7.7286%2,400
Efficiency ratio50.4125%7,640
Assets per employee ($millions)4.2146%3,266
Cash dividends to net income (ytd only)*111.2311%589
Condition Ratios (%)
Loss allowance to loans1.5074%3,147
Loan loss allowance to noncurrent loans125.3807%2,353
Noncurrent assets plus other real estate owned to assets0.8606%5,263
Noncurrent loans to loans1.2022%4,810
Net loans and leases to total assets69.6232%3,786
Net loans and leases to deposits80.7920%4,422
Net loans and leases to core deposits97.0067%4,787
Total domestic deposits to total assets86.1759%2,688
Equity capital to assets8.9342%5,409
Core capital (leverage) ratio8.6636%5,157
Tier 1 risk-based capital ratio10.8239%6,053
Total risk-based capital ratio12.0746%5,990
Memoranda:
Average total assets$46,417,0006,965
Average earning assets$42,619,0006,942
Average equity$4,161,0007,355
Average total loans$32,032,6706,610
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3310%213
Cost of funding earning assets2.9720%645
Net interest margin4.3590%1,445
Noninterest income to average assets0.5943%3,588
Noninterest expense to average assets2.2306%6,756
Loan and lease loss provision to assets0.2584%3,900
Net operating income to assets1.9808%362
Return on assets (ROA)1.9808%414
Pretax return on assets2.0842%555
Return on Equity (ROE)22.0597%305
Retained earnings to average equity (ytd only)2.8774%4,268
Net charge-offs to loans-0.0126%7,328
Credit loss provision to net charge-offs-3,000.0000%6,674
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.7759%7,683
Assets per employee ($millions)4.1834%3,286
Cash dividends to net income (ytd only)*86.9565%930
Condition Ratios (%)
Loss allowance to loans1.6746%2,225
Loan loss allowance to noncurrent loans208.9844%1,591
Noncurrent assets plus other real estate owned to assets0.5672%5,771
Noncurrent loans to loans0.8013%5,432
Net loans and leases to total assets68.2639%4,072
Net loans and leases to deposits79.3839%4,708
Net loans and leases to core deposits94.2824%5,130
Total domestic deposits to total assets85.9921%2,733
Equity capital to assets9.1597%5,135
Core capital (leverage) ratio8.7989%4,992
Tier 1 risk-based capital ratio10.6253%6,264
Total risk-based capital ratio11.8760%6,189
Memoranda:
Average total assets$46,445,0007,014
Average earning assets$42,395,5007,002
Average equity$4,170,5007,392
Average total loans$31,663,0006,670
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7783%254
Cost of funding earning assets3.2872%960
Net interest margin4.4911%1,449
Noninterest income to average assets0.7698%2,672
Noninterest expense to average assets2.1814%7,013
Loan and lease loss provision to assets0.2647%4,279
Net operating income to assets2.4061%155
Return on assets (ROA)1.9234%400
Pretax return on assets2.0006%603
Return on Equity (ROE)22.0224%257
Retained earnings to average equity (ytd only)3.0811%3,247
Net charge-offs to loans0.8467%1,486
Credit loss provision to net charge-offs45.6274%6,395
Earnings coverage of net charge-offs (x)4.7719%3,868
Efficiency ratio44.0731%8,010
Assets per employee ($millions)4.2612%3,017
Cash dividends to net income (ytd only)*86.0092%1,449
Condition Ratios (%)
Loss allowance to loans1.6062%2,218
Loan loss allowance to noncurrent loans442.1053%956
Noncurrent assets plus other real estate owned to assets0.2539%6,561
Noncurrent loans to loans0.3633%6,275
Net loans and leases to total assets65.8673%4,874
Net loans and leases to deposits76.9848%5,474
Net loans and leases to core deposits92.6646%5,570
Total domestic deposits to total assets85.5589%2,601
Equity capital to assets8.8025%5,649
Core capital (leverage) ratio8.7903%5,057
Tier 1 risk-based capital ratio10.5420%6,165
Total risk-based capital ratio11.7920%6,063
Memoranda:
Average total assets$45,337,2006,970
Average earning assets$42,194,2006,941
Average equity$3,959,6007,527
Average total loans$31,061,2006,648