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San Luis Valley Federal Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3248%3,401
Cost of funding earning assets0.1829%4,452
Net interest margin4.1418%1,018
Noninterest income to average assets0.6700%1,291
Noninterest expense to average assets3.0535%1,034
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets1.1125%1,883
Return on assets (ROA)1.1125%1,858
Pretax return on assets1.4306%1,575
Return on Equity (ROE)8.6500%2,846
Retained earnings to average equity (ytd only)8.6511%1,353
Net charge-offs to loans0.0012%2,815
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)1,868.0000%86
Efficiency ratio68.0956%2,098
Assets per employee ($millions)6.0819%2,751
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.1035%2,818
Loan loss allowance to noncurrent loans327.7123%1,914
Noncurrent assets plus other real estate owned to assets0.2213%2,114
Noncurrent loans to loans0.3367%1,973
Net loans and leases to total assets65.0000%2,367
Net loans and leases to deposits76.5371%2,399
Net loans and leases to core deposits78.5005%2,800
Total domestic deposits to total assets84.9300%2,334
Equity capital to assets13.9122%703
Core capital (leverage) ratio16.0111%487
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.4396%326
Memoranda:
Average total assets$391,712,8002,039
Average earning assets$360,829,4002,040
Average equity$50,375,2001,598
Average total loans$249,683,0002,004
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2543%3,370
Cost of funding earning assets0.1691%4,465
Net interest margin4.0852%1,090
Noninterest income to average assets0.6500%1,345
Noninterest expense to average assets3.0220%1,043
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.0846%2,104
Return on assets (ROA)1.0846%2,089
Pretax return on assets1.3937%1,791
Return on Equity (ROE)8.6100%3,029
Retained earnings to average equity (ytd only)8.6053%1,792
Net charge-offs to loans0.0016%2,534
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)1,372.3333%118
Efficiency ratio68.4376%1,969
Assets per employee ($millions)6.3416%2,463
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.1005%2,868
Loan loss allowance to noncurrent loans237.1160%2,297
Noncurrent assets plus other real estate owned to assets0.2981%1,819
Noncurrent loans to loans0.4641%1,661
Net loans and leases to total assets63.5200%2,502
Net loans and leases to deposits73.8436%2,580
Net loans and leases to core deposits75.7878%2,880
Total domestic deposits to total assets86.0100%2,190
Equity capital to assets12.7006%872
Core capital (leverage) ratio15.5342%555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.3289%371
Memoranda:
Average total assets$393,851,0002,029
Average earning assets$362,729,5002,034
Average equity$49,642,5001,605
Average total loans$249,143,7502,004
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1829%3,335
Cost of funding earning assets0.1537%4,472
Net interest margin4.0292%1,195
Noninterest income to average assets0.6400%1,305
Noninterest expense to average assets2.9441%1,137
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.0967%2,136
Return on assets (ROA)1.0967%2,127
Pretax return on assets1.4109%1,787
Return on Equity (ROE)8.7200%3,057
Retained earnings to average equity (ytd only)8.7234%1,756
Net charge-offs to loans0.0024%2,270
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)926.6667%164
Efficiency ratio67.6028%2,034
Assets per employee ($millions)6.1336%2,589
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.1089%2,920
Loan loss allowance to noncurrent loans270.5940%2,266
Noncurrent assets plus other real estate owned to assets0.2701%1,856
Noncurrent loans to loans0.4098%1,702
Net loans and leases to total assets65.1700%2,255
Net loans and leases to deposits76.1300%2,302
Net loans and leases to core deposits78.2741%2,591
Total domestic deposits to total assets85.6000%2,360
Equity capital to assets13.2548%760
Core capital (leverage) ratio16.6867%412
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.3472%371
Memoranda:
Average total assets$394,075,0002,026
Average earning assets$362,951,3332,033
Average equity$49,544,6671,608
Average total loans$248,021,0002,007
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0713%3,314
Cost of funding earning assets0.1351%4,484
Net interest margin3.9362%1,394
Noninterest income to average assets0.6200%1,354
Noninterest expense to average assets2.8650%1,304
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.0774%2,298
Return on assets (ROA)1.0774%2,269
Pretax return on assets1.3906%1,904
Return on Equity (ROE)8.8000%3,107
Retained earnings to average equity (ytd only)8.7959%2,005
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio67.3230%2,058
Assets per employee ($millions)6.2918%2,510
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1257%2,930
Loan loss allowance to noncurrent loans334.7774%2,072
Noncurrent assets plus other real estate owned to assets0.2096%2,090
Noncurrent loans to loans0.3363%1,944
Net loans and leases to total assets61.6400%2,496
Net loans and leases to deposits71.3204%2,521
Net loans and leases to core deposits73.1184%2,743
Total domestic deposits to total assets86.4300%2,462
Equity capital to assets12.5177%870
Core capital (leverage) ratio14.6987%626
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.3507%415
Memoranda:
Average total assets$400,970,5002,037
Average earning assets$370,100,0002,035
Average equity$49,114,0001,634
Average total loans$246,725,5002,042
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6201%2,739
Cost of funding earning assets0.1318%4,220
Net interest margin3.4883%1,959
Noninterest income to average assets0.6000%1,644
Noninterest expense to average assets2.6305%1,733
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.9436%2,798
Return on assets (ROA)0.9436%2,740
Pretax return on assets1.2090%2,405
Return on Equity (ROE)7.7200%3,456
Retained earnings to average equity (ytd only)7.7196%1,951
Net charge-offs to loans-0.0275%4,170
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio68.5106%1,899
Assets per employee ($millions)6.6485%2,219
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.1294%2,743
Loan loss allowance to noncurrent loans335.5850%2,061
Noncurrent assets plus other real estate owned to assets0.2044%2,147
Noncurrent loans to loans0.3366%1,945
Net loans and leases to total assets60.0500%2,625
Net loans and leases to deposits68.9034%2,673
Net loans and leases to core deposits70.7740%2,816
Total domestic deposits to total assets87.1500%2,346
Equity capital to assets11.9860%940
Core capital (leverage) ratio14.2052%694
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.5954%440
Memoranda:
Average total assets$399,740,8002,031
Average earning assets$370,929,2002,025
Average equity$48,862,6001,650
Average total loans$239,873,2002,002
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4828%2,673
Cost of funding earning assets0.1329%4,008
Net interest margin3.3499%2,140
Noninterest income to average assets0.6100%1,677
Noninterest expense to average assets2.6459%1,610
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.8426%3,090
Return on assets (ROA)0.8426%3,064
Pretax return on assets1.0739%2,798
Return on Equity (ROE)6.8600%3,619
Retained earnings to average equity (ytd only)6.8592%2,420
Net charge-offs to loans-0.0369%4,213
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio71.1303%1,625
Assets per employee ($millions)6.6084%2,235
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.1440%2,821
Loan loss allowance to noncurrent loans283.0112%2,249
Noncurrent assets plus other real estate owned to assets0.2439%2,007
Noncurrent loans to loans0.4042%1,810
Net loans and leases to total assets59.6300%2,546
Net loans and leases to deposits68.2055%2,520
Net loans and leases to core deposits70.1733%2,627
Total domestic deposits to total assets87.4300%2,618
Equity capital to assets11.5191%1,005
Core capital (leverage) ratio13.6101%754
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.1074%484
Memoranda:
Average total assets$398,286,5002,046
Average earning assets$370,147,5002,040
Average equity$48,925,7501,669
Average total loans$238,261,7502,005
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3121%2,699
Cost of funding earning assets0.1326%3,808
Net interest margin3.1796%2,256
Noninterest income to average assets0.6111%1,691
Noninterest expense to average assets2.6324%1,551
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.7427%3,165
Return on assets (ROA)0.7427%3,122
Pretax return on assets0.9408%2,923
Return on Equity (ROE)5.9209%3,597
Retained earnings to average equity (ytd only)5.9209%2,359
Net charge-offs to loans-0.0558%4,279
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.6701%1,551
Assets per employee ($millions)6.5809%2,256
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.1729%2,831
Loan loss allowance to noncurrent loans266.9866%2,292
Noncurrent assets plus other real estate owned to assets0.2596%2,013
Noncurrent loans to loans0.4393%1,802
Net loans and leases to total assets58.3928%2,487
Net loans and leases to deposits66.8670%2,479
Net loans and leases to core deposits69.0387%2,563
Total domestic deposits to total assets87.3267%2,818
Equity capital to assets11.7314%955
Core capital (leverage) ratio14.9060%484
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.0363%476
Memoranda:
Average total assets$396,677,3332,064
Average earning assets$369,549,0002,064
Average equity$49,756,0001,690
Average total loans$236,622,6672,015
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2569%2,510
Cost of funding earning assets0.1337%3,721
Net interest margin3.1232%2,098
Noninterest income to average assets0.5935%1,718
Noninterest expense to average assets2.6325%1,516
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.6898%3,095
Return on assets (ROA)0.6898%3,085
Pretax return on assets0.8765%2,868
Return on Equity (ROE)5.3243%3,536
Retained earnings to average equity (ytd only)5.3243%2,470
Net charge-offs to loans-0.1117%4,486
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0217%1,631
Assets per employee ($millions)6.2946%2,561
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1722%2,994
Loan loss allowance to noncurrent loans312.9359%2,035
Noncurrent assets plus other real estate owned to assets0.2242%2,306
Noncurrent loans to loans0.3746%2,146
Net loans and leases to total assets59.1458%2,172
Net loans and leases to deposits68.2627%2,125
Net loans and leases to core deposits70.4499%2,254
Total domestic deposits to total assets86.6444%3,050
Equity capital to assets12.5510%794
Core capital (leverage) ratio13.8064%612
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.9612%495
Memoranda:
Average total assets$394,298,5002,077
Average earning assets$368,078,5002,083
Average equity$51,087,0001,707
Average total loans$236,338,5002,008
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5179%2,606
Cost of funding earning assets0.1649%3,818
Net interest margin3.3531%2,154
Noninterest income to average assets0.6726%1,860
Noninterest expense to average assets2.7472%1,486
Loan and lease loss provision to assets0.0625%1,818
Net operating income to assets0.7687%3,428
Return on assets (ROA)0.7687%3,491
Pretax return on assets0.9751%3,331
Return on Equity (ROE)5.3867%3,912
Retained earnings to average equity (ytd only)5.3867%2,626
Net charge-offs to loans-0.0492%4,318
Credit loss provision to net charge-offs-199.1150%3,506
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5859%1,446
Assets per employee ($millions)6.0314%2,735
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.1540%3,108
Loan loss allowance to noncurrent loans240.9938%2,349
Noncurrent assets plus other real estate owned to assets0.2875%2,096
Noncurrent loans to loans0.4789%1,933
Net loans and leases to total assets59.3389%2,226
Net loans and leases to deposits69.0447%2,218
Net loans and leases to core deposits71.0684%2,347
Total domestic deposits to total assets85.9427%2,932
Equity capital to assets13.3666%802
Core capital (leverage) ratio13.9051%632
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.9976%492
Memoranda:
Average total assets$360,071,6002,152
Average earning assets$334,201,8002,166
Average equity$51,386,2001,723
Average total loans$229,447,6002,052
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6154%2,511
Cost of funding earning assets0.1742%3,880
Net interest margin3.4412%2,038
Noninterest income to average assets0.6726%1,919
Noninterest expense to average assets2.8421%1,240
Loan and lease loss provision to assets0.0852%1,400
Net operating income to assets0.7366%3,682
Return on assets (ROA)0.7366%3,745
Pretax return on assets0.9320%3,628
Return on Equity (ROE)5.0717%4,105
Retained earnings to average equity (ytd only)5.0717%3,192
Net charge-offs to loans-0.0678%4,472
Credit loss provision to net charge-offs-193.9655%3,382
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.6434%1,248
Assets per employee ($millions)5.8326%2,851
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.1569%3,182
Loan loss allowance to noncurrent loans228.4874%2,366
Noncurrent assets plus other real estate owned to assets0.3188%2,178
Noncurrent loans to loans0.5063%2,043
Net loans and leases to total assets62.2317%1,978
Net loans and leases to deposits73.1328%1,946
Net loans and leases to core deposits75.3485%2,112
Total domestic deposits to total assets85.0941%3,081
Equity capital to assets13.9642%743
Core capital (leverage) ratio15.3179%449
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.1098%530
Memoranda:
Average total assets$352,080,0002,204
Average earning assets$326,044,5002,224
Average equity$51,132,2501,747
Average total loans$227,972,7502,095
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7126%2,297
Cost of funding earning assets0.1838%3,915
Net interest margin3.5288%1,778
Noninterest income to average assets0.6562%1,984
Noninterest expense to average assets2.8556%1,242
Loan and lease loss provision to assets0.1304%955
Net operating income to assets0.7339%3,673
Return on assets (ROA)0.7339%3,743
Pretax return on assets0.9310%3,595
Return on Equity (ROE)4.9842%4,125
Retained earnings to average equity (ytd only)4.9842%3,189
Net charge-offs to loans-0.1019%4,632
Credit loss provision to net charge-offs-195.6522%3,196
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9022%1,342
Assets per employee ($millions)5.6479%2,963
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.1738%3,082
Loan loss allowance to noncurrent loans229.8394%2,269
Noncurrent assets plus other real estate owned to assets0.3471%2,205
Noncurrent loans to loans0.5107%2,144
Net loans and leases to total assets64.3387%1,906
Net loans and leases to deposits75.9913%1,819
Net loans and leases to core deposits78.4189%2,011
Total domestic deposits to total assets84.6658%3,231
Equity capital to assets14.4424%632
Core capital (leverage) ratio15.9089%383
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.4041%518
Memoranda:
Average total assets$345,010,3332,230
Average earning assets$318,802,0002,245
Average equity$50,800,6671,750
Average total loans$225,622,6672,120
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7304%2,289
Cost of funding earning assets0.1935%3,970
Net interest margin3.5368%1,731
Noninterest income to average assets0.6384%2,069
Noninterest expense to average assets2.8445%1,272
Loan and lease loss provision to assets0.2061%586
Net operating income to assets0.6784%3,760
Return on assets (ROA)0.6784%3,825
Pretax return on assets0.8598%3,694
Return on Equity (ROE)4.5618%4,176
Retained earnings to average equity (ytd only)4.5618%3,349
Net charge-offs to loans-0.2030%4,786
Credit loss provision to net charge-offs-154.8673%2,908
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7410%1,426
Assets per employee ($millions)5.3325%3,301
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1760%3,060
Loan loss allowance to noncurrent loans183.2302%2,513
Noncurrent assets plus other real estate owned to assets0.4463%2,048
Noncurrent loans to loans0.6418%1,964
Net loans and leases to total assets64.6363%1,964
Net loans and leases to deposits76.5252%1,848
Net loans and leases to core deposits78.8995%2,101
Total domestic deposits to total assets84.4640%3,295
Equity capital to assets14.6217%555
Core capital (leverage) ratio15.1230%460
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.4788%482
Memoranda:
Average total assets$339,605,5002,240
Average earning assets$314,179,0002,251
Average equity$50,506,5001,747
Average total loans$222,609,5002,136
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0927%2,442
Cost of funding earning assets0.2835%4,228
Net interest margin3.8093%1,475
Noninterest income to average assets0.6489%2,033
Noninterest expense to average assets3.0931%1,248
Loan and lease loss provision to assets0.1754%2,192
Net operating income to assets0.7153%3,384
Return on assets (ROA)0.7153%3,515
Pretax return on assets0.9016%3,359
Return on Equity (ROE)4.5304%4,018
Retained earnings to average equity (ytd only)4.5304%2,514
Net charge-offs to loans0.0005%3,421
Credit loss provision to net charge-offs54,500.0000%17
Earnings coverage of net charge-offs (x)3,346.0000%27
Efficiency ratio74.1721%1,419
Assets per employee ($millions)5.1968%3,164
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.0883%3,519
Loan loss allowance to noncurrent loans164.6814%2,666
Noncurrent assets plus other real estate owned to assets0.4618%2,177
Noncurrent loans to loans0.6608%2,028
Net loans and leases to total assets64.9845%2,230
Net loans and leases to deposits77.2403%2,152
Net loans and leases to core deposits79.6735%2,396
Total domestic deposits to total assets84.1330%3,076
Equity capital to assets15.1331%554
Core capital (leverage) ratio15.2559%471
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9658%438
Memoranda:
Average total assets$310,659,6002,237
Average earning assets$287,169,2002,244
Average equity$49,046,0001,725
Average total loans$211,974,0002,152
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1181%2,629
Cost of funding earning assets0.3055%4,288
Net interest margin3.8126%1,584
Noninterest income to average assets0.6409%2,018
Noninterest expense to average assets3.1256%1,190
Loan and lease loss provision to assets0.1399%2,619
Net operating income to assets0.7423%3,308
Return on assets (ROA)0.7423%3,411
Pretax return on assets0.8974%3,390
Return on Equity (ROE)4.6492%3,984
Retained earnings to average equity (ytd only)4.6492%2,722
Net charge-offs to loans0.0013%3,178
Credit loss provision to net charge-offs16,000.0000%84
Earnings coverage of net charge-offs (x)1,187.0000%99
Efficiency ratio75.0840%1,291
Assets per employee ($millions)4.9897%3,262
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9735%3,806
Loan loss allowance to noncurrent loans176.8283%2,415
Noncurrent assets plus other real estate owned to assets0.4196%2,489
Noncurrent loans to loans0.5505%2,418
Net loans and leases to total assets67.4948%2,318
Net loans and leases to deposits80.5923%2,250
Net loans and leases to core deposits83.1247%2,570
Total domestic deposits to total assets83.7485%2,910
Equity capital to assets15.3678%560
Core capital (leverage) ratio15.5142%466
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.3409%435
Memoranda:
Average total assets$305,175,5002,247
Average earning assets$281,901,0002,262
Average equity$48,724,5001,726
Average total loans$210,339,0002,162
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1907%2,795
Cost of funding earning assets0.3339%4,343
Net interest margin3.8568%1,674
Noninterest income to average assets0.6158%2,073
Noninterest expense to average assets3.1862%1,189
Loan and lease loss provision to assets0.0803%3,285
Net operating income to assets0.7457%3,225
Return on assets (ROA)0.7457%3,339
Pretax return on assets0.9057%3,297
Return on Equity (ROE)4.6079%3,945
Retained earnings to average equity (ytd only)4.6079%2,657
Net charge-offs to loans0.0019%2,949
Credit loss provision to net charge-offs6,000.0000%192
Earnings coverage of net charge-offs (x)736.5000%131
Efficiency ratio76.3677%1,228
Assets per employee ($millions)4.8794%3,332
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.9098%3,959
Loan loss allowance to noncurrent loans107.8453%3,113
Noncurrent assets plus other real estate owned to assets0.7428%1,662
Noncurrent loans to loans0.8436%1,807
Net loans and leases to total assets67.0299%2,494
Net loans and leases to deposits80.2573%2,394
Net loans and leases to core deposits82.8360%2,711
Total domestic deposits to total assets83.5187%2,921
Equity capital to assets15.5672%533
Core capital (leverage) ratio17.2900%324
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.4982%426
Memoranda:
Average total assets$298,789,6672,262
Average earning assets$275,514,6672,279
Average equity$48,351,6671,722
Average total loans$206,765,3332,170
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3915%2,651
Cost of funding earning assets0.3810%4,423
Net interest margin4.0105%1,363
Noninterest income to average assets0.6768%1,743
Noninterest expense to average assets3.2983%1,231
Loan and lease loss provision to assets0.0138%3,610
Net operating income to assets0.8619%2,650
Return on assets (ROA)0.8619%2,755
Pretax return on assets1.0580%2,646
Return on Equity (ROE)5.2173%3,564
Retained earnings to average equity (ytd only)5.2173%2,186
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4741%1,624
Assets per employee ($millions)4.2910%3,541
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9055%4,086
Loan loss allowance to noncurrent loans101.4301%3,223
Noncurrent assets plus other real estate owned to assets0.7906%1,715
Noncurrent loans to loans0.8927%1,828
Net loans and leases to total assets70.1917%2,219
Net loans and leases to deposits85.1276%2,098
Net loans and leases to core deposits88.5418%2,481
Total domestic deposits to total assets82.4546%3,276
Equity capital to assets16.7680%470
Core capital (leverage) ratio16.9296%422
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.8694%451
Memoranda:
Average total assets$289,604,5002,266
Average earning assets$266,699,5002,277
Average equity$47,841,0001,726
Average total loans$202,876,0002,162
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4022%3,243
Cost of funding earning assets0.3752%4,521
Net interest margin4.0270%1,766
Noninterest income to average assets0.7052%1,798
Noninterest expense to average assets3.3243%1,252
Loan and lease loss provision to assets0.0942%2,152
Net operating income to assets0.7784%3,617
Return on assets (ROA)0.7784%3,694
Pretax return on assets0.9792%3,518
Return on Equity (ROE)4.7246%4,291
Retained earnings to average equity (ytd only)4.7246%2,569
Net charge-offs to loans0.0010%3,691
Credit loss provision to net charge-offs13,250.0000%30
Earnings coverage of net charge-offs (x)1,510.0000%57
Efficiency ratio75.5920%1,406
Assets per employee ($millions)4.4198%3,345
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.9074%3,927
Loan loss allowance to noncurrent loans103.7917%3,230
Noncurrent assets plus other real estate owned to assets0.7981%1,624
Noncurrent loans to loans0.8743%1,752
Net loans and leases to total assets68.6551%2,590
Net loans and leases to deposits82.6980%2,475
Net loans and leases to core deposits85.9272%2,794
Total domestic deposits to total assets83.0190%3,184
Equity capital to assets16.2744%559
Core capital (leverage) ratio16.8810%427
Tier 1 risk-based capital ratio23.2191%897
Total risk-based capital ratio24.1144%904
Memoranda:
Average total assets$281,352,4002,269
Average earning assets$257,986,8002,287
Average equity$46,352,8001,710
Average total loans$190,504,0002,228
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4122%3,312
Cost of funding earning assets0.3686%4,604
Net interest margin4.0435%1,792
Noninterest income to average assets0.7088%1,743
Noninterest expense to average assets3.3963%1,101
Loan and lease loss provision to assets0.0335%3,241
Net operating income to assets0.7820%3,731
Return on assets (ROA)0.7820%3,800
Pretax return on assets0.9829%3,643
Return on Equity (ROE)4.7316%4,411
Retained earnings to average equity (ytd only)4.7316%3,038
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9673%1,226
Assets per employee ($millions)4.2497%3,551
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8233%4,335
Loan loss allowance to noncurrent loans103.5962%3,263
Noncurrent assets plus other real estate owned to assets0.8984%1,508
Noncurrent loans to loans0.7947%1,991
Net loans and leases to total assets69.4737%2,556
Net loans and leases to deposits84.2947%2,422
Net loans and leases to core deposits87.5933%2,770
Total domestic deposits to total assets82.4176%3,352
Equity capital to assets16.6243%536
Core capital (leverage) ratio17.0506%436
Tier 1 risk-based capital ratio23.2672%919
Total risk-based capital ratio24.0713%945
Memoranda:
Average total assets$278,763,2502,297
Average earning assets$255,348,0002,313
Average equity$46,072,5001,717
Average total loans$187,603,2502,279
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3321%3,537
Cost of funding earning assets0.3521%4,671
Net interest margin3.9800%1,985
Noninterest income to average assets0.6655%1,851
Noninterest expense to average assets3.3558%1,182
Loan and lease loss provision to assets0.0289%3,240
Net operating income to assets0.7371%3,875
Return on assets (ROA)0.7371%3,933
Pretax return on assets0.9242%3,779
Return on Equity (ROE)4.4686%4,476
Retained earnings to average equity (ytd only)4.4686%3,032
Net charge-offs to loans-0.0011%3,903
Credit loss provision to net charge-offs-4,000.0000%4,463
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8803%1,166
Assets per employee ($millions)4.1361%3,673
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8487%4,269
Loan loss allowance to noncurrent loans97.1084%3,382
Noncurrent assets plus other real estate owned to assets0.9902%1,404
Noncurrent loans to loans0.8740%1,852
Net loans and leases to total assets66.9563%2,967
Net loans and leases to deposits81.1053%2,836
Net loans and leases to core deposits84.0778%3,105
Total domestic deposits to total assets82.5548%3,354
Equity capital to assets16.5855%520
Core capital (leverage) ratio17.2268%406
Tier 1 risk-based capital ratio23.9618%849
Total risk-based capital ratio24.7855%868
Memoranda:
Average total assets$276,775,0002,315
Average earning assets$253,367,3302,339
Average equity$45,652,0001,722
Average total loans$183,653,3302,312
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2685%3,649
Cost of funding earning assets0.3252%4,754
Net interest margin3.9433%2,053
Noninterest income to average assets0.6411%1,857
Noninterest expense to average assets3.2681%1,352
Loan and lease loss provision to assets0.0146%3,244
Net operating income to assets0.7664%3,724
Return on assets (ROA)0.7664%3,770
Pretax return on assets0.9631%3,574
Return on Equity (ROE)4.6596%4,419
Retained earnings to average equity (ytd only)4.6596%3,055
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9732%1,380
Assets per employee ($millions)4.1439%3,706
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8701%4,270
Loan loss allowance to noncurrent loans94.1597%3,468
Noncurrent assets plus other real estate owned to assets1.0454%1,327
Noncurrent loans to loans0.9241%1,807
Net loans and leases to total assets65.8178%3,083
Net loans and leases to deposits79.7955%2,862
Net loans and leases to core deposits82.7974%3,121
Total domestic deposits to total assets82.4831%3,587
Equity capital to assets16.6726%482
Core capital (leverage) ratio17.1329%413
Tier 1 risk-based capital ratio24.5997%791
Total risk-based capital ratio25.4374%808
Memoranda:
Average total assets$274,533,5002,344
Average earning assets$250,954,5002,374
Average equity$45,154,0001,728
Average total loans$180,514,0002,366
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1072%3,722
Cost of funding earning assets0.2406%4,845
Net interest margin3.8665%2,436
Noninterest income to average assets0.6821%1,924
Noninterest expense to average assets3.1271%1,735
Loan and lease loss provision to assets0.0111%3,912
Net operating income to assets0.8581%3,583
Return on assets (ROA)0.8581%3,582
Pretax return on assets1.0843%3,331
Return on Equity (ROE)5.3337%4,374
Retained earnings to average equity (ytd only)5.3337%2,574
Net charge-offs to loans0.0006%3,766
Credit loss provision to net charge-offs3,000.0000%162
Earnings coverage of net charge-offs (x)2,958.0000%27
Efficiency ratio74.0572%1,619
Assets per employee ($millions)4.3741%3,337
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.8749%4,277
Loan loss allowance to noncurrent loans89.3060%3,592
Noncurrent assets plus other real estate owned to assets1.1511%1,150
Noncurrent loans to loans0.9797%1,659
Net loans and leases to total assets64.5456%3,293
Net loans and leases to deposits77.6799%3,204
Net loans and leases to core deposits80.5515%3,389
Total domestic deposits to total assets83.0918%3,297
Equity capital to assets16.2241%501
Core capital (leverage) ratio16.9587%411
Tier 1 risk-based capital ratio20.5991%1,209
Total risk-based capital ratio21.3041%1,269
Memoranda:
Average total assets$270,029,2002,334
Average earning assets$247,249,6002,359
Average equity$43,440,6001,720
Average total loans$172,945,2002,412
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0604%3,757
Cost of funding earning assets0.2236%4,924
Net interest margin3.8368%2,505
Noninterest income to average assets0.6656%2,000
Noninterest expense to average assets3.0647%1,846
Loan and lease loss provision to assets0.0149%3,714
Net operating income to assets0.8715%3,654
Return on assets (ROA)0.8715%3,658
Pretax return on assets1.1033%3,385
Return on Equity (ROE)5.4292%4,438
Retained earnings to average equity (ytd only)5.4292%2,994
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2677%1,688
Assets per employee ($millions)4.3727%3,321
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8978%4,274
Loan loss allowance to noncurrent loans93.9629%3,573
Noncurrent assets plus other real estate owned to assets1.1457%1,241
Noncurrent loans to loans0.9555%1,781
Net loans and leases to total assets64.0031%3,426
Net loans and leases to deposits77.2275%3,302
Net loans and leases to core deposits80.4537%3,459
Total domestic deposits to total assets82.8761%3,348
Equity capital to assets16.1327%520
Core capital (leverage) ratio17.0029%420
Tier 1 risk-based capital ratio24.4138%804
Total risk-based capital ratio25.2608%825
Memoranda:
Average total assets$268,643,7502,353
Average earning assets$246,273,0002,373
Average equity$43,123,5001,734
Average total loans$171,321,7502,439
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9869%3,824
Cost of funding earning assets0.2107%4,973
Net interest margin3.7762%2,649
Noninterest income to average assets0.6706%2,001
Noninterest expense to average assets3.0244%1,982
Loan and lease loss provision to assets0.0224%3,469
Net operating income to assets0.8595%3,630
Return on assets (ROA)0.8595%3,626
Pretax return on assets1.0903%3,353
Return on Equity (ROE)5.3636%4,440
Retained earnings to average equity (ytd only)5.3636%2,896
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1047%1,833
Assets per employee ($millions)4.5147%3,110
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.9039%4,319
Loan loss allowance to noncurrent loans90.0344%3,649
Noncurrent assets plus other real estate owned to assets1.2272%1,166
Noncurrent loans to loans1.0040%1,743
Net loans and leases to total assets64.6972%3,319
Net loans and leases to deposits78.0735%3,153
Net loans and leases to core deposits81.4887%3,287
Total domestic deposits to total assets82.8671%3,448
Equity capital to assets16.2252%470
Core capital (leverage) ratio17.0427%393
Tier 1 risk-based capital ratio23.9830%838
Total risk-based capital ratio24.8263%846
Memoranda:
Average total assets$267,822,6702,367
Average earning assets$245,854,3302,388
Average equity$42,919,0001,745
Average total loans$170,066,0002,463
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8935%3,946
Cost of funding earning assets0.1973%5,035
Net interest margin3.6963%2,813
Noninterest income to average assets0.6494%2,033
Noninterest expense to average assets2.9283%2,263
Loan and lease loss provision to assets0.0447%2,873
Net operating income to assets0.8460%3,521
Return on assets (ROA)0.8460%3,537
Pretax return on assets1.0814%3,241
Return on Equity (ROE)5.3123%4,384
Retained earnings to average equity (ytd only)5.3123%3,033
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2263%2,159
Assets per employee ($millions)4.6129%2,985
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9203%4,354
Loan loss allowance to noncurrent loans95.0998%3,543
Noncurrent assets plus other real estate owned to assets1.1640%1,317
Noncurrent loans to loans0.9677%1,883
Net loans and leases to total assets62.1838%3,526
Net loans and leases to deposits74.4926%3,367
Net loans and leases to core deposits77.6582%3,526
Total domestic deposits to total assets83.4765%3,512
Equity capital to assets15.7137%534
Core capital (leverage) ratio16.8717%399
Tier 1 risk-based capital ratio24.3213%814
Total risk-based capital ratio25.1878%827
Memoranda:
Average total assets$268,549,0002,379
Average earning assets$247,384,0002,404
Average equity$42,769,0001,762
Average total loans$168,146,0002,493
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7712%4,142
Cost of funding earning assets0.1870%5,048
Net interest margin3.5842%3,225
Noninterest income to average assets0.6688%2,097
Noninterest expense to average assets2.9078%2,429
Loan and lease loss provision to assets0.0075%4,115
Net operating income to assets0.6683%3,735
Return on assets (ROA)0.6031%4,032
Pretax return on assets0.9626%3,693
Return on Equity (ROE)3.7850%4,566
Retained earnings to average equity (ytd only)3.7850%2,955
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.0642%2,054
Assets per employee ($millions)4.4904%3,199
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9318%4,307
Loan loss allowance to noncurrent loans89.1845%3,728
Noncurrent assets plus other real estate owned to assets1.2675%1,150
Noncurrent loans to loans1.0449%1,703
Net loans and leases to total assets61.8781%3,640
Net loans and leases to deposits74.3794%3,492
Net loans and leases to core deposits77.4910%3,628
Total domestic deposits to total assets83.1924%3,499
Equity capital to assets16.1440%497
Core capital (leverage) ratio16.7389%387
Tier 1 risk-based capital ratio24.6484%761
Total risk-based capital ratio25.5210%777
Memoranda:
Average total assets$265,118,6002,369
Average earning assets$244,908,0002,383
Average equity$42,246,2001,763
Average total loans$160,877,0002,539
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7233%4,259
Cost of funding earning assets0.1861%5,087
Net interest margin3.5372%3,359
Noninterest income to average assets0.6667%2,137
Noninterest expense to average assets2.8067%2,699
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7804%3,599
Return on assets (ROA)0.7804%3,651
Pretax return on assets1.1283%3,190
Return on Equity (ROE)4.9134%4,559
Retained earnings to average equity (ytd only)4.9134%2,945
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3263%2,320
Assets per employee ($millions)4.6063%2,967
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9416%4,370
Loan loss allowance to noncurrent loans83.8567%3,828
Noncurrent assets plus other real estate owned to assets1.2296%1,326
Noncurrent loans to loans1.1229%1,715
Net loans and leases to total assets59.9293%3,874
Net loans and leases to deposits72.2589%3,744
Net loans and leases to core deposits75.1791%3,872
Total domestic deposits to total assets82.9370%3,477
Equity capital to assets16.1370%516
Core capital (leverage) ratio16.6640%410
Tier 1 risk-based capital ratio25.0927%741
Total risk-based capital ratio25.9705%769
Memoranda:
Average total assets$265,164,7502,391
Average earning assets$245,008,5002,397
Average equity$42,115,0001,784
Average total loans$159,726,7502,567
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7085%4,204
Cost of funding earning assets0.1840%5,107
Net interest margin3.5245%3,311
Noninterest income to average assets0.6677%2,135
Noninterest expense to average assets2.8182%2,688
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7796%3,489
Return on assets (ROA)0.7796%3,542
Pretax return on assets1.1093%3,140
Return on Equity (ROE)4.9351%4,501
Retained earnings to average equity (ytd only)4.9351%2,753
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7559%2,390
Assets per employee ($millions)4.5973%2,950
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9533%4,399
Loan loss allowance to noncurrent loans92.7483%3,694
Noncurrent assets plus other real estate owned to assets1.1834%1,442
Noncurrent loans to loans1.0279%1,909
Net loans and leases to total assets60.3430%3,813
Net loans and leases to deposits72.7777%3,667
Net loans and leases to core deposits75.9102%3,782
Total domestic deposits to total assets82.9141%3,596
Equity capital to assets16.2646%502
Core capital (leverage) ratio16.6261%405
Tier 1 risk-based capital ratio25.1142%738
Total risk-based capital ratio26.0034%756
Memoranda:
Average total assets$264,497,0002,411
Average earning assets$244,630,3302,412
Average equity$41,782,3301,791
Average total loans$159,091,0002,576
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6744%4,186
Cost of funding earning assets0.1838%5,122
Net interest margin3.4906%3,305
Noninterest income to average assets0.6232%2,303
Noninterest expense to average assets2.7322%3,024
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7843%3,287
Return on assets (ROA)0.7843%3,344
Pretax return on assets1.1215%2,900
Return on Equity (ROE)5.0383%4,377
Retained earnings to average equity (ytd only)5.0383%2,871
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8984%2,759
Assets per employee ($millions)4.5069%3,162
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9628%4,478
Loan loss allowance to noncurrent loans86.4282%3,870
Noncurrent assets plus other real estate owned to assets1.2621%1,357
Noncurrent loans to loans1.1140%1,836
Net loans and leases to total assets58.8761%3,898
Net loans and leases to deposits70.4834%3,746
Net loans and leases to core deposits73.4417%3,884
Total domestic deposits to total assets83.5318%3,644
Equity capital to assets15.7093%541
Core capital (leverage) ratio16.3164%425
Tier 1 risk-based capital ratio24.9338%779
Total risk-based capital ratio25.8272%792
Memoranda:
Average total assets$265,722,0002,425
Average earning assets$245,919,5002,429
Average equity$41,363,0001,802
Average total loans$158,812,0002,594
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5749%4,578
Cost of funding earning assets0.2016%4,998
Net interest margin3.3733%3,913
Noninterest income to average assets0.6321%2,494
Noninterest expense to average assets2.8342%2,906
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6644%3,932
Return on assets (ROA)0.6644%4,048
Pretax return on assets0.9402%3,692
Return on Equity (ROE)4.2796%4,743
Retained earnings to average equity (ytd only)4.2796%2,860
Net charge-offs to loans0.0032%4,151
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)495.6000%163
Efficiency ratio75.0905%2,129
Assets per employee ($millions)4.5006%3,118
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.9540%4,555
Loan loss allowance to noncurrent loans41.4940%4,863
Noncurrent assets plus other real estate owned to assets1.4273%1,191
Noncurrent loans to loans2.2990%723
Net loans and leases to total assets59.5113%3,905
Net loans and leases to deposits70.9243%3,818
Net loans and leases to core deposits74.0757%3,918
Total domestic deposits to total assets83.9081%3,455
Equity capital to assets15.4230%578
Core capital (leverage) ratio16.1012%449
Tier 1 risk-based capital ratio24.3596%833
Total risk-based capital ratio25.2433%847
Memoranda:
Average total assets$263,563,6002,405
Average earning assets$245,518,4002,395
Average equity$40,915,4001,816
Average total loans$154,885,4002,582
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5655%4,645
Cost of funding earning assets0.2037%5,036
Net interest margin3.3618%3,988
Noninterest income to average assets0.6295%2,525
Noninterest expense to average assets2.8250%2,918
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6624%4,030
Return on assets (ROA)0.6624%4,150
Pretax return on assets0.9412%3,840
Return on Equity (ROE)4.2601%4,810
Retained earnings to average equity (ytd only)4.2601%3,292
Net charge-offs to loans0.0182%3,353
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)88.4264%715
Efficiency ratio75.0101%2,106
Assets per employee ($millions)4.5805%2,952
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9788%4,521
Loan loss allowance to noncurrent loans35.2611%5,078
Noncurrent assets plus other real estate owned to assets1.6400%1,057
Noncurrent loans to loans2.7759%580
Net loans and leases to total assets57.3485%4,160
Net loans and leases to deposits68.7673%4,088
Net loans and leases to core deposits71.9257%4,165
Total domestic deposits to total assets83.3950%3,453
Equity capital to assets15.6847%597
Core capital (leverage) ratio15.9434%482
Tier 1 risk-based capital ratio24.8703%826
Total risk-based capital ratio25.7725%846
Memoranda:
Average total assets$263,070,0002,414
Average earning assets$245,458,7502,405
Average equity$40,905,7501,823
Average total loans$153,720,0002,594
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6007%4,588
Cost of funding earning assets0.2050%5,090
Net interest margin3.3957%3,913
Noninterest income to average assets0.6072%2,579
Noninterest expense to average assets2.8184%2,966
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.6735%3,942
Return on assets (ROA)0.6735%4,076
Pretax return on assets0.9596%3,745
Return on Equity (ROE)4.3443%4,781
Retained earnings to average equity (ytd only)4.3443%3,153
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6013%2,274
Assets per employee ($millions)4.4006%3,217
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.9951%4,565
Loan loss allowance to noncurrent loans33.0234%5,225
Noncurrent assets plus other real estate owned to assets1.7903%965
Noncurrent loans to loans3.0132%494
Net loans and leases to total assets57.5416%4,164
Net loans and leases to deposits68.9017%4,095
Net loans and leases to core deposits71.9292%4,185
Total domestic deposits to total assets83.5125%3,461
Equity capital to assets15.6224%602
Core capital (leverage) ratio15.7128%494
Tier 1 risk-based capital ratio24.5809%846
Total risk-based capital ratio25.4944%863
Memoranda:
Average total assets$262,204,3302,443
Average earning assets$244,842,0002,422
Average equity$40,651,3301,829
Average total loans$153,672,6702,605
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6545%4,463
Cost of funding earning assets0.2081%5,123
Net interest margin3.4464%3,683
Noninterest income to average assets0.6032%2,510
Noninterest expense to average assets2.8245%2,977
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.6965%3,730
Return on assets (ROA)0.6965%3,844
Pretax return on assets0.9981%3,487
Return on Equity (ROE)4.5103%4,704
Retained earnings to average equity (ytd only)4.5103%3,234
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.8887%2,496
Assets per employee ($millions)4.3740%3,285
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9945%4,640
Loan loss allowance to noncurrent loans34.1305%5,203
Noncurrent assets plus other real estate owned to assets1.7886%1,045
Noncurrent loans to loans2.9139%573
Net loans and leases to total assets57.9224%4,048
Net loans and leases to deposits69.2692%3,924
Net loans and leases to core deposits72.1250%4,059
Total domestic deposits to total assets83.6192%3,671
Equity capital to assets15.5082%598
Core capital (leverage) ratio15.8516%492
Tier 1 risk-based capital ratio24.3494%884
Total risk-based capital ratio25.2638%901
Memoranda:
Average total assets$261,288,0002,453
Average earning assets$244,083,0002,432
Average equity$40,352,5001,833
Average total loans$153,780,0002,598
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7120%4,339
Cost of funding earning assets0.2392%4,905
Net interest margin3.4728%3,625
Noninterest income to average assets0.6247%2,592
Noninterest expense to average assets2.8309%3,100
Loan and lease loss provision to assets0.0196%4,011
Net operating income to assets0.6939%3,841
Return on assets (ROA)0.6999%3,917
Pretax return on assets1.0083%3,437
Return on Equity (ROE)4.5481%4,720
Retained earnings to average equity (ytd only)4.5481%2,745
Net charge-offs to loans0.2581%1,172
Credit loss provision to net charge-offs12.6582%3,807
Earnings coverage of net charge-offs (x)6.5848%3,201
Efficiency ratio73.5267%2,652
Assets per employee ($millions)4.3356%3,329
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.9914%4,661
Loan loss allowance to noncurrent loans34.9908%5,233
Noncurrent assets plus other real estate owned to assets1.8683%988
Noncurrent loans to loans2.8334%594
Net loans and leases to total assets58.6211%4,008
Net loans and leases to deposits69.8680%3,937
Net loans and leases to core deposits72.8448%4,053
Total domestic deposits to total assets83.9026%3,519
Equity capital to assets15.3786%617
Core capital (leverage) ratio15.6937%502
Tier 1 risk-based capital ratio23.9330%931
Total risk-based capital ratio24.8420%938
Memoranda:
Average total assets$255,181,0002,465
Average earning assets$237,014,8002,449
Average equity$39,269,0001,832
Average total loans$153,038,4002,557
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7179%4,368
Cost of funding earning assets0.2462%4,920
Net interest margin3.4717%3,655
Noninterest income to average assets0.6227%2,625
Noninterest expense to average assets2.8048%3,167
Loan and lease loss provision to assets0.0263%3,742
Net operating income to assets0.6972%3,911
Return on assets (ROA)0.7051%3,989
Pretax return on assets1.0238%3,526
Return on Equity (ROE)4.5813%4,803
Retained earnings to average equity (ytd only)4.5813%3,214
Net charge-offs to loans0.0585%2,769
Credit loss provision to net charge-offs74.6269%2,689
Earnings coverage of net charge-offs (x)29.5228%1,513
Efficiency ratio72.9781%2,723
Assets per employee ($millions)4.1268%3,664
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.2185%3,552
Loan loss allowance to noncurrent loans39.0609%5,237
Noncurrent assets plus other real estate owned to assets2.0562%976
Noncurrent loans to loans3.1196%547
Net loans and leases to total assets58.7726%4,045
Net loans and leases to deposits70.3266%3,947
Net loans and leases to core deposits72.9640%4,105
Total domestic deposits to total assets83.5710%3,580
Equity capital to assets15.5297%643
Core capital (leverage) ratio15.8320%511
Tier 1 risk-based capital ratio24.1903%931
Total risk-based capital ratio25.3188%928
Memoranda:
Average total assets$253,942,5002,494
Average earning assets$235,576,7502,476
Average equity$39,085,0001,853
Average total loans$152,792,7502,569
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7445%4,257
Cost of funding earning assets0.2550%4,889
Net interest margin3.4895%3,542
Noninterest income to average assets0.5938%2,777
Noninterest expense to average assets2.8109%3,186
Loan and lease loss provision to assets0.0395%3,331
Net operating income to assets0.6697%4,036
Return on assets (ROA)0.6719%4,131
Pretax return on assets0.9775%3,671
Return on Equity (ROE)4.3789%4,871
Retained earnings to average equity (ytd only)4.3789%3,230
Net charge-offs to loans-0.0026%4,622
Credit loss provision to net charge-offs-2,500.0000%5,499
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4930%2,751
Assets per employee ($millions)4.1221%3,636
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.2623%3,443
Loan loss allowance to noncurrent loans39.0898%5,277
Noncurrent assets plus other real estate owned to assets2.1308%1,000
Noncurrent loans to loans3.2291%579
Net loans and leases to total assets59.8533%3,859
Net loans and leases to deposits71.5561%3,758
Net loans and leases to core deposits74.3784%3,922
Total domestic deposits to total assets83.6453%3,716
Equity capital to assets15.5474%598
Core capital (leverage) ratio15.6291%524
Tier 1 risk-based capital ratio24.0653%951
Total risk-based capital ratio25.2493%941
Memoranda:
Average total assets$253,302,0002,522
Average earning assets$234,532,3302,503
Average equity$38,868,3301,867
Average total loans$152,979,3302,580
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6914%4,396
Cost of funding earning assets0.2608%4,898
Net interest margin3.4306%3,712
Noninterest income to average assets0.5869%2,725
Noninterest expense to average assets2.7723%3,336
Loan and lease loss provision to assets0.0472%2,988
Net operating income to assets0.6530%4,035
Return on assets (ROA)0.6530%4,154
Pretax return on assets0.9550%3,669
Return on Equity (ROE)4.2833%4,852
Retained earnings to average equity (ytd only)4.2833%3,446
Net charge-offs to loans0.0313%2,562
Credit loss provision to net charge-offs250.0000%913
Earnings coverage of net charge-offs (x)53.0833%801
Efficiency ratio73.4473%2,913
Assets per employee ($millions)4.1750%3,607
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2412%3,732
Loan loss allowance to noncurrent loans36.4180%5,388
Noncurrent assets plus other real estate owned to assets2.2413%1,016
Noncurrent loans to loans3.4083%579
Net loans and leases to total assets59.0154%3,794
Net loans and leases to deposits70.3506%3,715
Net loans and leases to core deposits73.9319%3,780
Total domestic deposits to total assets83.8876%3,855
Equity capital to assets15.3333%655
Core capital (leverage) ratio15.3715%553
Tier 1 risk-based capital ratio23.4001%1,060
Total risk-based capital ratio24.5467%1,048
Memoranda:
Average total assets$254,228,0002,521
Average earning assets$236,226,5002,506
Average equity$38,755,5001,881
Average total loans$153,256,5002,576
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8233%4,416
Cost of funding earning assets0.3096%4,692
Net interest margin3.5137%3,742
Noninterest income to average assets0.6781%2,410
Noninterest expense to average assets2.8811%3,205
Loan and lease loss provision to assets0.0159%4,286
Net operating income to assets0.7051%3,867
Return on assets (ROA)0.7051%3,984
Pretax return on assets1.0268%3,395
Return on Equity (ROE)4.7465%4,786
Retained earnings to average equity (ytd only)4.7465%2,797
Net charge-offs to loans0.0223%4,397
Credit loss provision to net charge-offs114.2857%2,084
Earnings coverage of net charge-offs (x)75.0000%673
Efficiency ratio73.4258%2,942
Assets per employee ($millions)4.0933%3,732
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.2130%3,919
Loan loss allowance to noncurrent loans34.5834%5,527
Noncurrent assets plus other real estate owned to assets2.2957%1,044
Noncurrent loans to loans3.5075%580
Net loans and leases to total assets60.0732%3,783
Net loans and leases to deposits71.4430%3,742
Net loans and leases to core deposits75.2069%3,803
Total domestic deposits to total assets84.0856%3,676
Equity capital to assets15.1551%679
Core capital (leverage) ratio15.1009%591
Tier 1 risk-based capital ratio23.8313%974
Total risk-based capital ratio24.9960%964
Memoranda:
Average total assets$251,748,4002,507
Average earning assets$232,545,0002,494
Average equity$37,395,8001,877
Average total loans$157,071,4002,468
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8546%4,355
Cost of funding earning assets0.3181%4,691
Net interest margin3.5366%3,689
Noninterest income to average assets0.6538%2,555
Noninterest expense to average assets2.9172%3,062
Loan and lease loss provision to assets0.0053%4,307
Net operating income to assets0.6883%4,004
Return on assets (ROA)0.6883%4,092
Pretax return on assets1.0003%3,589
Return on Equity (ROE)4.6575%4,873
Retained earnings to average equity (ytd only)4.6575%3,318
Net charge-offs to loans0.0101%4,383
Credit loss provision to net charge-offs83.3333%2,531
Earnings coverage of net charge-offs (x)157.9125%394
Efficiency ratio74.3642%2,765
Assets per employee ($millions)4.1563%3,553
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1991%4,227
Loan loss allowance to noncurrent loans33.6947%5,626
Noncurrent assets plus other real estate owned to assets2.3460%1,157
Noncurrent loans to loans3.5588%663
Net loans and leases to total assets60.6091%3,688
Net loans and leases to deposits72.1115%3,676
Net loans and leases to core deposits76.0132%3,739
Total domestic deposits to total assets84.0492%3,738
Equity capital to assets14.9190%748
Core capital (leverage) ratio14.9269%632
Tier 1 risk-based capital ratio23.4894%1,050
Total risk-based capital ratio24.6561%1,048
Memoranda:
Average total assets$251,240,0002,532
Average earning assets$232,234,0002,513
Average equity$37,129,5001,900
Average total loans$157,757,5002,469
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9152%4,078
Cost of funding earning assets0.3254%4,697
Net interest margin3.5898%3,398
Noninterest income to average assets0.6715%2,421
Noninterest expense to average assets2.9568%2,977
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.7043%3,818
Return on assets (ROA)0.7043%3,909
Pretax return on assets1.0269%3,365
Return on Equity (ROE)4.7808%4,777
Retained earnings to average equity (ytd only)4.7808%3,101
Net charge-offs to loans0.0290%3,612
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)55.9130%852
Efficiency ratio74.2233%2,936
Assets per employee ($millions)3.9495%3,951
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1728%4,551
Loan loss allowance to noncurrent loans38.9440%5,534
Noncurrent assets plus other real estate owned to assets2.0231%1,574
Noncurrent loans to loans3.0114%961
Net loans and leases to total assets62.4512%3,336
Net loans and leases to deposits74.4156%3,275
Net loans and leases to core deposits78.3817%3,395
Total domestic deposits to total assets83.9221%3,948
Equity capital to assets15.0647%685
Core capital (leverage) ratio15.0427%603
Tier 1 risk-based capital ratio23.5917%1,033
Total risk-based capital ratio24.7634%1,029
Memoranda:
Average total assets$250,474,6702,538
Average earning assets$231,096,6702,538
Average equity$36,897,6701,903
Average total loans$158,499,6702,466
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8854%4,143
Cost of funding earning assets0.3262%4,779
Net interest margin3.5592%3,440
Noninterest income to average assets0.6383%2,532
Noninterest expense to average assets2.9669%2,999
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6558%3,918
Return on assets (ROA)0.6558%4,017
Pretax return on assets0.9534%3,496
Return on Equity (ROE)4.5022%4,784
Retained earnings to average equity (ytd only)4.5022%3,417
Net charge-offs to loans-0.0075%4,938
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6801%2,850
Assets per employee ($millions)3.8683%4,191
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1812%4,730
Loan loss allowance to noncurrent loans43.6814%5,452
Noncurrent assets plus other real estate owned to assets1.8824%1,833
Noncurrent loans to loans2.7041%1,249
Net loans and leases to total assets62.2194%3,203
Net loans and leases to deposits73.8380%3,088
Net loans and leases to core deposits77.8868%3,216
Total domestic deposits to total assets84.2647%4,178
Equity capital to assets14.6667%744
Core capital (leverage) ratio14.6887%650
Tier 1 risk-based capital ratio23.1862%1,115
Total risk-based capital ratio24.3686%1,115
Memoranda:
Average total assets$251,302,0002,545
Average earning assets$231,736,5002,535
Average equity$36,604,5001,914
Average total loans$159,132,0002,470
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9712%4,192
Cost of funding earning assets0.3764%4,876
Net interest margin3.5948%3,486
Noninterest income to average assets0.7257%2,402
Noninterest expense to average assets2.9251%3,294
Loan and lease loss provision to assets-0.0218%6,303
Net operating income to assets0.7646%3,472
Return on assets (ROA)0.7646%3,566
Pretax return on assets1.1322%2,842
Return on Equity (ROE)5.3915%4,448
Retained earnings to average equity (ytd only)5.3915%2,352
Net charge-offs to loans0.0674%4,269
Credit loss provision to net charge-offs-52.3810%5,805
Earnings coverage of net charge-offs (x)26.6381%1,288
Efficiency ratio72.4840%3,388
Assets per employee ($millions)3.9244%4,017
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1672%4,821
Loan loss allowance to noncurrent loans44.7400%5,469
Noncurrent assets plus other real estate owned to assets1.8112%2,032
Noncurrent loans to loans2.6090%1,433
Net loans and leases to total assets62.9400%3,212
Net loans and leases to deposits74.5765%3,180
Net loans and leases to core deposits78.5579%3,292
Total domestic deposits to total assets84.3966%4,018
Equity capital to assets14.4651%791
Core capital (leverage) ratio14.5722%673
Tier 1 risk-based capital ratio24.1260%938
Total risk-based capital ratio25.3651%928
Memoranda:
Average total assets$251,888,0002,514
Average earning assets$231,918,2002,499
Average equity$35,722,8001,927
Average total loans$155,763,0002,481
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9567%4,291
Cost of funding earning assets0.3864%4,935
Net interest margin3.5703%3,577
Noninterest income to average assets0.7104%2,551
Noninterest expense to average assets2.8822%3,365
Loan and lease loss provision to assets0.1031%3,045
Net operating income to assets0.6855%3,927
Return on assets (ROA)0.6855%4,067
Pretax return on assets1.0140%3,456
Return on Equity (ROE)4.8578%4,794
Retained earnings to average equity (ytd only)4.8578%3,186
Net charge-offs to loans0.0681%3,947
Credit loss provision to net charge-offs246.8354%999
Earnings coverage of net charge-offs (x)26.7344%1,339
Efficiency ratio72.0672%3,391
Assets per employee ($millions)3.9788%3,877
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.3543%4,109
Loan loss allowance to noncurrent loans52.6406%5,114
Noncurrent assets plus other real estate owned to assets1.8299%2,231
Noncurrent loans to loans2.5727%1,665
Net loans and leases to total assets62.2728%3,315
Net loans and leases to deposits73.7621%3,271
Net loans and leases to core deposits77.9257%3,371
Total domestic deposits to total assets84.4238%4,017
Equity capital to assets14.2824%882
Core capital (leverage) ratio14.3555%776
Tier 1 risk-based capital ratio23.8875%1,021
Total risk-based capital ratio25.1511%1,003
Memoranda:
Average total assets$252,069,2502,528
Average earning assets$232,208,2502,509
Average equity$35,570,7501,951
Average total loans$154,716,5002,505
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9853%4,166
Cost of funding earning assets0.3978%4,965
Net interest margin3.5874%3,415
Noninterest income to average assets0.7381%2,465
Noninterest expense to average assets2.8756%3,423
Loan and lease loss provision to assets0.1386%2,596
Net operating income to assets0.6898%3,858
Return on assets (ROA)0.6898%4,028
Pretax return on assets1.0232%3,402
Return on Equity (ROE)4.9079%4,775
Retained earnings to average equity (ytd only)4.9079%3,113
Net charge-offs to loans0.0703%3,706
Credit loss provision to net charge-offs324.0741%803
Earnings coverage of net charge-offs (x)27.1667%1,222
Efficiency ratio71.2240%3,609
Assets per employee ($millions)3.9612%3,889
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.3727%4,157
Loan loss allowance to noncurrent loans56.3484%4,952
Noncurrent assets plus other real estate owned to assets1.7527%2,487
Noncurrent loans to loans2.4361%1,925
Net loans and leases to total assets61.8430%3,318
Net loans and leases to deposits73.1093%3,279
Net loans and leases to core deposits77.4414%3,364
Total domestic deposits to total assets84.5898%4,091
Equity capital to assets14.1904%907
Core capital (leverage) ratio14.2478%762
Tier 1 risk-based capital ratio23.9301%1,005
Total risk-based capital ratio25.1824%990
Memoranda:
Average total assets$252,537,3302,531
Average earning assets$232,255,3302,515
Average equity$35,494,0001,960
Average total loans$153,542,3302,525
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0243%4,017
Cost of funding earning assets0.4081%5,027
Net interest margin3.6162%3,199
Noninterest income to average assets0.7039%2,571
Noninterest expense to average assets2.8548%3,523
Loan and lease loss provision to assets0.1811%2,045
Net operating income to assets0.6645%3,876
Return on assets (ROA)0.6645%4,034
Pretax return on assets0.9889%3,399
Return on Equity (ROE)4.7503%4,712
Retained earnings to average equity (ytd only)4.7503%3,388
Net charge-offs to loans0.1552%2,470
Credit loss provision to net charge-offs194.9153%1,116
Earnings coverage of net charge-offs (x)12.5932%1,584
Efficiency ratio70.9311%3,802
Assets per employee ($millions)3.9676%4,022
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3580%4,430
Loan loss allowance to noncurrent loans62.5338%4,605
Noncurrent assets plus other real estate owned to assets1.5800%2,890
Noncurrent loans to loans2.1716%2,424
Net loans and leases to total assets59.5852%3,503
Net loans and leases to deposits70.3774%3,413
Net loans and leases to core deposits74.6052%3,503
Total domestic deposits to total assets84.6653%4,190
Equity capital to assets14.0347%1,016
Core capital (leverage) ratio13.8665%833
Tier 1 risk-based capital ratio24.0601%1,009
Total risk-based capital ratio25.3151%984
Memoranda:
Average total assets$254,028,0002,544
Average earning assets$233,285,5002,534
Average equity$35,534,5001,985
Average total loans$152,073,0002,554
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5416%3,233
Cost of funding earning assets0.5265%5,017
Net interest margin4.0151%2,334
Noninterest income to average assets0.7651%2,418
Noninterest expense to average assets2.8992%3,647
Loan and lease loss provision to assets0.4392%1,446
Net operating income to assets0.7469%3,525
Return on assets (ROA)0.7469%3,767
Pretax return on assets1.1032%3,147
Return on Equity (ROE)5.3605%4,496
Retained earnings to average equity (ytd only)5.3605%2,461
Net charge-offs to loans0.3124%3,079
Credit loss provision to net charge-offs229.5983%1,076
Earnings coverage of net charge-offs (x)8.0634%2,479
Efficiency ratio65.2736%4,652
Assets per employee ($millions)4.0338%3,880
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.3445%4,433
Loan loss allowance to noncurrent loans56.6201%4,802
Noncurrent assets plus other real estate owned to assets1.7330%2,794
Noncurrent loans to loans2.3746%2,259
Net loans and leases to total assets58.5266%3,877
Net loans and leases to deposits69.1875%3,812
Net loans and leases to core deposits73.0638%3,916
Total domestic deposits to total assets84.5913%4,046
Equity capital to assets13.9421%1,071
Core capital (leverage) ratio13.6911%887
Tier 1 risk-based capital ratio24.2814%940
Total risk-based capital ratio25.5398%915
Memoranda:
Average total assets$247,275,6002,554
Average earning assets$226,419,0002,549
Average equity$34,455,6002,011
Average total loans$151,391,8002,552
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5947%3,226
Cost of funding earning assets0.5518%5,072
Net interest margin4.0430%2,323
Noninterest income to average assets0.7878%2,293
Noninterest expense to average assets2.9417%3,438
Loan and lease loss provision to assets0.4675%1,325
Net operating income to assets0.7379%3,745
Return on assets (ROA)0.7379%3,999
Pretax return on assets1.0865%3,401
Return on Equity (ROE)5.2963%4,689
Retained earnings to average equity (ytd only)5.2963%3,160
Net charge-offs to loans0.2463%3,247
Credit loss provision to net charge-offs307.5000%875
Earnings coverage of net charge-offs (x)10.2215%2,211
Efficiency ratio65.4348%4,553
Assets per employee ($millions)4.0915%3,695
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3309%4,669
Loan loss allowance to noncurrent loans50.2266%5,113
Noncurrent assets plus other real estate owned to assets1.8532%2,859
Noncurrent loans to loans2.6499%2,138
Net loans and leases to total assets58.3036%4,083
Net loans and leases to deposits69.0747%4,013
Net loans and leases to core deposits72.8127%4,155
Total domestic deposits to total assets84.4066%4,030
Equity capital to assets13.8592%1,215
Core capital (leverage) ratio13.5344%1,001
Tier 1 risk-based capital ratio23.6871%1,066
Total risk-based capital ratio24.9517%1,043
Memoranda:
Average total assets$245,562,2502,597
Average earning assets$225,208,0002,587
Average equity$34,211,7502,040
Average total loans$151,549,7502,584
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6895%2,957
Cost of funding earning assets0.5906%4,982
Net interest margin4.0989%2,100
Noninterest income to average assets0.7988%2,188
Noninterest expense to average assets2.9886%3,297
Loan and lease loss provision to assets0.5238%1,195
Net operating income to assets0.7025%3,856
Return on assets (ROA)0.7025%4,121
Pretax return on assets1.0302%3,597
Return on Equity (ROE)5.0329%4,795
Retained earnings to average equity (ytd only)5.0329%3,264
Net charge-offs to loans0.2327%3,172
Credit loss provision to net charge-offs359.3220%816
Earnings coverage of net charge-offs (x)10.6610%2,029
Efficiency ratio65.7904%4,567
Assets per employee ($millions)3.8259%4,256
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.2459%5,137
Loan loss allowance to noncurrent loans46.7432%5,299
Noncurrent assets plus other real estate owned to assets1.8954%2,912
Noncurrent loans to loans2.6655%2,252
Net loans and leases to total assets60.6298%3,701
Net loans and leases to deposits72.0029%3,608
Net loans and leases to core deposits75.2435%3,845
Total domestic deposits to total assets84.2047%4,231
Equity capital to assets14.0387%1,082
Core capital (leverage) ratio13.8008%867
Tier 1 risk-based capital ratio23.3880%1,085
Total risk-based capital ratio24.6504%1,067
Memoranda:
Average total assets$242,859,0002,626
Average earning assets$221,815,0002,624
Average equity$33,896,6702,042
Average total loans$152,101,3302,585
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7418%2,876
Cost of funding earning assets0.6436%4,788
Net interest margin4.0981%2,094
Noninterest income to average assets0.7343%2,471
Noninterest expense to average assets3.0166%3,185
Loan and lease loss provision to assets0.1158%3,905
Net operating income to assets0.8914%2,961
Return on assets (ROA)0.8914%3,184
Pretax return on assets1.3297%2,428
Return on Equity (ROE)6.4057%4,090
Retained earnings to average equity (ytd only)6.4057%2,740
Net charge-offs to loans-1.0563%7,219
Credit loss provision to net charge-offs-17.3267%5,372
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6056%4,250
Assets per employee ($millions)3.8572%4,297
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2464%5,266
Loan loss allowance to noncurrent loans96.4742%3,151
Noncurrent assets plus other real estate owned to assets1.2918%3,979
Noncurrent loans to loans1.2920%4,182
Net loans and leases to total assets60.5952%3,531
Net loans and leases to deposits71.8614%3,452
Net loans and leases to core deposits74.9605%3,750
Total domestic deposits to total assets84.3224%4,358
Equity capital to assets13.7434%1,120
Core capital (leverage) ratio13.5253%944
Tier 1 risk-based capital ratio23.2996%1,096
Total risk-based capital ratio24.5621%1,073
Memoranda:
Average total assets$241,859,5002,647
Average earning assets$220,002,0002,648
Average equity$33,657,5002,057
Average total loans$152,987,0002,586
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3136%1,660
Cost of funding earning assets0.8388%4,556
Net interest margin4.4748%1,196
Noninterest income to average assets0.7364%2,411
Noninterest expense to average assets3.2077%2,836
Loan and lease loss provision to assets0.1237%5,057
Net operating income to assets0.9887%2,241
Return on assets (ROA)0.9887%2,386
Pretax return on assets1.4628%1,582
Return on Equity (ROE)6.8532%3,465
Retained earnings to average equity (ytd only)6.8532%1,574
Net charge-offs to loans0.1238%5,149
Credit loss provision to net charge-offs143.2292%2,028
Earnings coverage of net charge-offs (x)18.3698%1,224
Efficiency ratio66.8230%4,608
Assets per employee ($millions)3.8203%4,268
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.9152%6,500
Loan loss allowance to noncurrent loans63.6077%4,321
Noncurrent assets plus other real estate owned to assets1.2425%4,155
Noncurrent loans to loans1.4388%4,007
Net loans and leases to total assets64.6320%3,052
Net loans and leases to deposits77.2471%2,963
Net loans and leases to core deposits80.2590%3,429
Total domestic deposits to total assets83.6691%4,463
Equity capital to assets14.0962%1,029
Core capital (leverage) ratio13.9351%840
Tier 1 risk-based capital ratio23.7097%996
Total risk-based capital ratio24.7796%1,006
Memoranda:
Average total assets$222,310,8002,817
Average earning assets$201,596,4002,834
Average equity$32,072,4002,072
Average total loans$155,067,2002,564
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3633%1,638
Cost of funding earning assets0.8842%4,515
Net interest margin4.4791%1,195
Noninterest income to average assets0.7408%2,363
Noninterest expense to average assets3.2736%2,581
Loan and lease loss provision to assets0.0122%6,280
Net operating income to assets1.0262%2,229
Return on assets (ROA)1.0262%2,396
Pretax return on assets1.5261%1,590
Return on Equity (ROE)7.0690%3,494
Retained earnings to average equity (ytd only)7.0690%1,934
Net charge-offs to loans0.1649%4,470
Credit loss provision to net charge-offs10.4167%5,658
Earnings coverage of net charge-offs (x)13.1408%1,641
Efficiency ratio67.9549%4,329
Assets per employee ($millions)3.7880%4,329
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.7753%6,857
Loan loss allowance to noncurrent loans59.3271%4,494
Noncurrent assets plus other real estate owned to assets1.1454%4,497
Noncurrent loans to loans1.3068%4,352
Net loans and leases to total assets65.3395%3,049
Net loans and leases to deposits78.1819%2,949
Net loans and leases to core deposits81.1517%3,460
Total domestic deposits to total assets83.5737%4,445
Equity capital to assets14.0010%1,156
Core capital (leverage) ratio13.8378%945
Tier 1 risk-based capital ratio23.7708%1,041
Total risk-based capital ratio24.6922%1,065
Memoranda:
Average total assets$218,674,0002,856
Average earning assets$198,753,5002,877
Average equity$31,743,5002,092
Average total loans$155,209,0002,588
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4890%1,321
Cost of funding earning assets0.9289%4,456
Net interest margin4.5601%994
Noninterest income to average assets0.7464%2,275
Noninterest expense to average assets3.3843%2,305
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.0118%2,178
Return on assets (ROA)1.0118%2,276
Pretax return on assets1.5051%1,515
Return on Equity (ROE)6.8805%3,494
Retained earnings to average equity (ytd only)6.8805%1,927
Net charge-offs to loans0.2188%3,814
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)9.4412%1,922
Efficiency ratio69.1791%4,293
Assets per employee ($millions)3.6374%4,593
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.7717%6,917
Loan loss allowance to noncurrent loans130.4017%2,258
Noncurrent assets plus other real estate owned to assets0.6598%5,578
Noncurrent loans to loans0.5918%5,742
Net loans and leases to total assets70.7594%2,059
Net loans and leases to deposits85.6338%1,836
Net loans and leases to core deposits89.0258%2,494
Total domestic deposits to total assets82.6302%4,937
Equity capital to assets14.6906%896
Core capital (leverage) ratio14.5950%748
Tier 1 risk-based capital ratio23.7132%1,031
Total risk-based capital ratio24.6471%1,058
Memoranda:
Average total assets$213,280,3302,931
Average earning assets$193,767,6702,949
Average equity$31,364,0002,104
Average total loans$155,394,6702,606
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5214%1,239
Cost of funding earning assets0.9664%4,455
Net interest margin4.5551%951
Noninterest income to average assets0.7021%2,568
Noninterest expense to average assets3.4440%2,160
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.9127%2,504
Return on assets (ROA)0.9127%2,562
Pretax return on assets1.3814%1,777
Return on Equity (ROE)6.2033%3,780
Retained earnings to average equity (ytd only)6.2033%2,521
Net charge-offs to loans0.4379%2,385
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)4.2824%2,523
Efficiency ratio71.3331%3,983
Assets per employee ($millions)3.5201%4,948
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.7773%6,961
Loan loss allowance to noncurrent loans149.1925%1,983
Noncurrent assets plus other real estate owned to assets0.6129%5,745
Noncurrent loans to loans0.5210%5,983
Net loans and leases to total assets71.3982%1,836
Net loans and leases to deposits86.3951%1,667
Net loans and leases to core deposits89.8683%2,367
Total domestic deposits to total assets82.6414%5,048
Equity capital to assets14.5526%867
Core capital (leverage) ratio14.5313%735
Tier 1 risk-based capital ratio23.5471%1,019
Total risk-based capital ratio24.4883%1,044
Memoranda:
Average total assets$210,800,0002,980
Average earning assets$190,821,0002,998
Average equity$31,015,5002,111
Average total loans$155,278,5002,627
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0262%804
Cost of funding earning assets1.1712%4,721
Net interest margin4.8550%598
Noninterest income to average assets0.7882%2,336
Noninterest expense to average assets3.3044%2,727
Loan and lease loss provision to assets0.8485%1,930
Net operating income to assets0.6845%3,281
Return on assets (ROA)0.7204%3,272
Pretax return on assets1.0529%2,764
Return on Equity (ROE)4.8161%4,154
Retained earnings to average equity (ytd only)4.8161%2,534
Net charge-offs to loans0.6147%3,193
Credit loss provision to net charge-offs171.0553%1,974
Earnings coverage of net charge-offs (x)3.7266%3,222
Efficiency ratio64.0964%5,337
Assets per employee ($millions)3.3367%5,343
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.8850%6,762
Loan loss allowance to noncurrent loans122.1043%2,400
Noncurrent assets plus other real estate owned to assets1.1795%4,652
Noncurrent loans to loans0.7248%5,601
Net loans and leases to total assets74.7627%1,529
Net loans and leases to deposits91.0475%1,392
Net loans and leases to core deposits94.8726%2,150
Total domestic deposits to total assets82.1139%5,155
Equity capital to assets14.8799%819
Core capital (leverage) ratio14.8545%684
Tier 1 risk-based capital ratio23.2253%1,009
Total risk-based capital ratio24.3014%1,011
Memoranda:
Average total assets$200,580,2003,092
Average earning assets$180,329,6003,118
Average equity$30,003,8002,175
Average total loans$161,857,0002,592
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0743%801
Cost of funding earning assets1.2135%4,778
Net interest margin4.8608%594
Noninterest income to average assets0.8026%2,225
Noninterest expense to average assets3.3345%2,467
Loan and lease loss provision to assets0.7383%2,072
Net operating income to assets0.4704%4,440
Return on assets (ROA)0.5159%4,429
Pretax return on assets1.1725%2,592
Return on Equity (ROE)3.4441%5,025
Retained earnings to average equity (ytd only)3.4441%4,027
Net charge-offs to loans0.8123%2,421
Credit loss provision to net charge-offs110.7538%3,820
Earnings coverage of net charge-offs (x)2.7598%3,765
Efficiency ratio64.4180%5,172
Assets per employee ($millions)3.2776%5,521
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.4809%7,474
Loan loss allowance to noncurrent loans120.8978%2,350
Noncurrent assets plus other real estate owned to assets1.0378%5,031
Noncurrent loans to loans0.3978%6,405
Net loans and leases to total assets79.5381%819
Net loans and leases to deposits97.3206%856
Net loans and leases to core deposits101.2548%1,725
Total domestic deposits to total assets81.7279%5,104
Equity capital to assets14.8564%931
Core capital (leverage) ratio14.8059%757
Tier 1 risk-based capital ratio23.4310%1,013
Total risk-based capital ratio24.0419%1,065
Memoranda:
Average total assets$199,006,2503,153
Average earning assets$178,979,2503,172
Average equity$29,809,0002,211
Average total loans$163,309,5002,613
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0739%799
Cost of funding earning assets1.2497%4,828
Net interest margin4.8242%633
Noninterest income to average assets0.7925%2,160
Noninterest expense to average assets3.4038%2,254
Loan and lease loss provision to assets0.3836%3,413
Net operating income to assets0.7526%3,185
Return on assets (ROA)0.7662%3,269
Pretax return on assets1.3593%1,922
Return on Equity (ROE)5.1007%4,238
Retained earnings to average equity (ytd only)5.1007%2,846
Net charge-offs to loans0.9779%1,890
Credit loss provision to net charge-offs47.3750%5,475
Earnings coverage of net charge-offs (x)2.1263%3,956
Efficiency ratio66.3902%4,912
Assets per employee ($millions)3.2475%5,559
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.2862%7,669
Loan loss allowance to noncurrent loans37.3618%5,870
Noncurrent assets plus other real estate owned to assets1.3355%4,482
Noncurrent loans to loans0.7660%5,742
Net loans and leases to total assets81.8548%548
Net loans and leases to deposits100.4376%687
Net loans and leases to core deposits104.3676%1,606
Total domestic deposits to total assets81.4982%5,198
Equity capital to assets14.9595%892
Core capital (leverage) ratio14.9214%735
Tier 1 risk-based capital ratio22.4661%1,127
Total risk-based capital ratio22.8209%1,240
Memoranda:
Average total assets$197,604,3303,199
Average earning assets$177,480,0003,225
Average equity$29,682,0002,210
Average total loans$163,608,6702,644
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0222%935
Cost of funding earning assets1.2428%5,159
Net interest margin4.7795%677
Noninterest income to average assets0.7398%2,360
Noninterest expense to average assets3.4598%2,080
Loan and lease loss provision to assets0.2636%3,921
Net operating income to assets0.7708%3,101
Return on assets (ROA)0.7786%3,175
Pretax return on assets1.3120%2,019
Return on Equity (ROE)5.1726%4,274
Retained earnings to average equity (ytd only)5.1726%3,058
Net charge-offs to loans-0.0123%6,940
Credit loss provision to net charge-offs-2,580.0000%6,549
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8771%4,531
Assets per employee ($millions)3.1302%5,925
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.6357%7,450
Loan loss allowance to noncurrent loans319.2547%948
Noncurrent assets plus other real estate owned to assets1.2236%4,729
Noncurrent loans to loans0.1991%6,943
Net loans and leases to total assets81.4853%648
Net loans and leases to deposits98.2778%884
Net loans and leases to core deposits102.1012%1,889
Total domestic deposits to total assets82.9132%4,668
Equity capital to assets15.0397%874
Core capital (leverage) ratio15.0223%746
Tier 1 risk-based capital ratio21.8735%1,214
Total risk-based capital ratio22.6344%1,260
Memoranda:
Average total assets$195,735,0003,277
Average earning assets$175,416,5003,313
Average equity$29,463,0002,246
Average total loans$162,772,0002,724
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1285%1,441
Cost of funding earning assets1.5924%5,057
Net interest margin4.5362%1,104
Noninterest income to average assets0.8490%2,181
Noninterest expense to average assets3.4776%2,433
Loan and lease loss provision to assets0.1925%5,802
Net operating income to assets1.0466%1,680
Return on assets (ROA)0.4681%3,979
Pretax return on assets0.5549%4,034
Return on Equity (ROE)3.2499%4,396
Retained earnings to average equity (ytd only)3.2499%2,883
Net charge-offs to loans-0.0012%7,682
Credit loss provision to net charge-offs-18,850.0000%7,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7740%4,480
Assets per employee ($millions)3.0836%6,027
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.5463%7,624
Loan loss allowance to noncurrent loans48.1442%5,175
Noncurrent assets plus other real estate owned to assets1.5427%4,064
Noncurrent loans to loans1.1348%5,062
Net loans and leases to total assets83.8689%444
Net loans and leases to deposits101.2610%803
Net loans and leases to core deposits122.6895%1,736
Total domestic deposits to total assets82.8245%4,597
Equity capital to assets15.0655%890
Core capital (leverage) ratio15.0522%771
Tier 1 risk-based capital ratio21.4283%1,231
Total risk-based capital ratio22.0856%1,288
Memoranda:
Average total assets$195,883,4003,229
Average earning assets$175,523,2003,277
Average equity$28,216,4002,357
Average total loans$160,675,0002,752
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1332%1,547
Cost of funding earning assets1.6587%5,116
Net interest margin4.4746%1,259
Noninterest income to average assets0.8430%2,232
Noninterest expense to average assets3.5580%2,127
Loan and lease loss provision to assets0.1454%5,906
Net operating income to assets0.7468%3,036
Return on assets (ROA)0.7499%3,083
Pretax return on assets1.1575%2,387
Return on Equity (ROE)5.2657%3,853
Retained earnings to average equity (ytd only)5.2657%2,335
Net charge-offs to loans-0.0017%7,586
Credit loss provision to net charge-offs-10,700.0000%7,438
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2690%4,001
Assets per employee ($millions)3.2178%5,606
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.4924%7,721
Loan loss allowance to noncurrent loans28.3126%6,582
Noncurrent assets plus other real estate owned to assets1.4727%4,170
Noncurrent loans to loans1.7393%4,025
Net loans and leases to total assets80.7242%1,037
Net loans and leases to deposits98.0076%1,329
Net loans and leases to core deposits117.7527%2,442
Total domestic deposits to total assets82.3653%4,514
Equity capital to assets14.3376%1,194
Core capital (leverage) ratio14.3273%1,002
Tier 1 risk-based capital ratio20.8857%1,383
Total risk-based capital ratio21.4693%1,470
Memoranda:
Average total assets$196,288,0003,244
Average earning assets$176,042,0003,292
Average equity$27,953,7502,394
Average total loans$159,888,0002,792
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2151%1,408
Cost of funding earning assets1.7318%5,112
Net interest margin4.4833%1,209
Noninterest income to average assets0.8401%2,220
Noninterest expense to average assets3.6595%1,923
Loan and lease loss provision to assets0.1301%5,797
Net operating income to assets0.6994%3,256
Return on assets (ROA)0.7008%3,360
Pretax return on assets1.0655%2,749
Return on Equity (ROE)4.9320%4,107
Retained earnings to average equity (ytd only)4.9320%2,551
Net charge-offs to loans0.0063%6,513
Credit loss provision to net charge-offs2,540.0000%203
Earnings coverage of net charge-offs (x)233.0000%177
Efficiency ratio75.4064%3,807
Assets per employee ($millions)3.0864%5,902
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.4406%7,859
Loan loss allowance to noncurrent loans19.6919%7,149
Noncurrent assets plus other real estate owned to assets2.0217%3,171
Noncurrent loans to loans2.2373%3,206
Net loans and leases to total assets81.7032%1,010
Net loans and leases to deposits99.3192%1,352
Net loans and leases to core deposits121.2559%2,256
Total domestic deposits to total assets82.2633%4,586
Equity capital to assets14.4468%1,178
Core capital (leverage) ratio14.4415%1,032
Tier 1 risk-based capital ratio20.1904%1,538
Total risk-based capital ratio20.6967%1,646
Memoranda:
Average total assets$195,216,0003,277
Average earning assets$174,735,6703,335
Average equity$27,737,0002,423
Average total loans$159,235,6702,834
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2802%1,359
Cost of funding earning assets1.8113%5,064
Net interest margin4.4689%1,195
Noninterest income to average assets0.7628%2,524
Noninterest expense to average assets3.5971%1,873
Loan and lease loss provision to assets0.1104%5,551
Net operating income to assets0.6626%3,747
Return on assets (ROA)0.6626%3,924
Pretax return on assets1.0613%3,140
Return on Equity (ROE)4.7025%4,608
Retained earnings to average equity (ytd only)4.7025%3,301
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4288%3,577
Assets per employee ($millions)3.0598%5,997
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.4014%7,942
Loan loss allowance to noncurrent loans245.9459%1,362
Noncurrent assets plus other real estate owned to assets0.3227%6,543
Noncurrent loans to loans0.1632%7,063
Net loans and leases to total assets81.9990%1,023
Net loans and leases to deposits99.7054%1,450
Net loans and leases to core deposits125.5995%1,948
Total domestic deposits to total assets82.2413%4,454
Equity capital to assets14.3723%1,261
Core capital (leverage) ratio14.3717%1,115
Tier 1 risk-based capital ratio21.0212%1,446
Total risk-based capital ratio21.5052%1,530
Memoranda:
Average total assets$195,602,0003,291
Average earning assets$175,343,5003,349
Average equity$27,560,0002,450
Average total loans$159,068,5002,863
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5643%2,649
Cost of funding earning assets2.3919%4,751
Net interest margin4.1724%2,426
Noninterest income to average assets0.8716%2,098
Noninterest expense to average assets3.3401%2,840
Loan and lease loss provision to assets0.0338%6,984
Net operating income to assets0.8320%3,299
Return on assets (ROA)0.8393%3,107
Pretax return on assets1.2449%2,496
Return on Equity (ROE)5.9648%3,957
Retained earnings to average equity (ytd only)5.9648%1,550
Net charge-offs to loans0.0382%6,261
Credit loss provision to net charge-offs108.3333%4,958
Earnings coverage of net charge-offs (x)40.6333%911
Efficiency ratio72.4862%3,846
Assets per employee ($millions)3.0529%5,925
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.3933%7,988
Loan loss allowance to noncurrent loans100.3200%3,445
Noncurrent assets plus other real estate owned to assets0.3250%6,308
Noncurrent loans to loans0.3920%6,166
Net loans and leases to total assets80.0284%1,653
Net loans and leases to deposits99.3948%1,925
Net loans and leases to core deposits124.9447%2,255
Total domestic deposits to total assets80.5157%4,835
Equity capital to assets13.8155%1,491
Core capital (leverage) ratio13.8379%1,300
Tier 1 risk-based capital ratio20.6314%1,516
Total risk-based capital ratio21.1029%1,603
Memoranda:
Average total assets$192,300,6003,238
Average earning assets$172,203,8003,297
Average equity$27,058,8002,472
Average total loans$157,100,0002,821