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Security State Bank, Performance and Condition Ratios

2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4376%4,883
Cost of funding earning assets0.4227%3,031
Net interest margin3.0149%4,854
Noninterest income to average assets0.7537%1,760
Noninterest expense to average assets2.3326%4,251
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9027%2,697
Return on assets (ROA)0.9047%2,709
Pretax return on assets1.2623%2,498
Return on Equity (ROE)7.2696%3,139
Retained earnings to average equity (ytd only)4.0648%2,742
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9351%3,459
Assets per employee ($millions)5.0715%2,395
Cash dividends to net income (ytd only)*44.0849%2,643
Condition Ratios (%)
Loss allowance to loans1.9020%649
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets47.7517%4,785
Net loans and leases to deposits62.3682%4,419
Net loans and leases to core deposits64.8940%4,478
Total domestic deposits to total assets76.5642%4,911
Equity capital to assets12.3641%1,592
Core capital (leverage) ratio12.5997%1,309
Tier 1 risk-based capital ratio20.0795%1,304
Total risk-based capital ratio21.3327%1,263
Memoranda:
Average total assets$109,320,6004,072
Average earning assets$102,920,6004,045
Average equity$13,604,6003,900
Average total loans$51,866,6004,411
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4348%4,917
Cost of funding earning assets0.4141%3,047
Net interest margin3.0208%4,874
Noninterest income to average assets0.7552%1,756
Noninterest expense to average assets2.3219%4,237
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9877%2,608
Return on assets (ROA)0.9906%2,651
Pretax return on assets1.2811%2,580
Return on Equity (ROE)7.9465%3,154
Retained earnings to average equity (ytd only)3.6586%3,749
Net charge-offs to loans-0.0026%4,349
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5095%3,448
Assets per employee ($millions)4.9410%2,520
Cash dividends to net income (ytd only)*53.9603%1,590
Condition Ratios (%)
Loss allowance to loans2.0127%558
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets46.3105%4,922
Net loans and leases to deposits62.6369%4,468
Net loans and leases to core deposits65.1229%4,541
Total domestic deposits to total assets73.9349%5,241
Equity capital to assets12.8453%1,467
Core capital (leverage) ratio12.5565%1,397
Tier 1 risk-based capital ratio20.9424%1,204
Total risk-based capital ratio22.1972%1,176
Memoranda:
Average total assets$108,757,5004,121
Average earning assets$102,400,0004,101
Average equity$13,557,0003,942
Average total loans$51,255,5004,464
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4171%4,945
Cost of funding earning assets0.3905%3,172
Net interest margin3.0265%4,852
Noninterest income to average assets0.7814%1,637
Noninterest expense to average assets2.3535%4,200
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9886%2,480
Return on assets (ROA)0.9929%2,509
Pretax return on assets1.2834%2,450
Return on Equity (ROE)8.0467%3,005
Retained earnings to average equity (ytd only)1.5497%4,628
Net charge-offs to loans-0.0039%4,280
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8101%3,534
Assets per employee ($millions)5.1336%2,228
Cash dividends to net income (ytd only)*80.7407%840
Condition Ratios (%)
Loss allowance to loans2.0901%522
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets44.9302%4,996
Net loans and leases to deposits59.6383%4,659
Net loans and leases to core deposits60.9946%4,768
Total domestic deposits to total assets75.3379%5,165
Equity capital to assets12.7758%1,481
Core capital (leverage) ratio12.4245%1,402
Tier 1 risk-based capital ratio20.8705%1,211
Total risk-based capital ratio22.1257%1,182
Memoranda:
Average total assets$108,776,3304,149
Average earning assets$102,427,0004,124
Average equity$13,421,6703,976
Average total loans$51,216,0004,489
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3791%4,978
Cost of funding earning assets0.3647%3,367
Net interest margin3.0145%4,859
Noninterest income to average assets0.7908%1,591
Noninterest expense to average assets2.4382%4,008
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9323%2,598
Return on assets (ROA)0.9409%2,618
Pretax return on assets1.2081%2,560
Return on Equity (ROE)7.7608%3,034
Retained earnings to average equity (ytd only)-5.4054%5,411
Net charge-offs to loans-0.0077%4,322
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0695%3,333
Assets per employee ($millions)5.1225%2,278
Cash dividends to net income (ytd only)*169.6498%313
Condition Ratios (%)
Loss allowance to loans2.0391%622
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets46.1770%4,933
Net loans and leases to deposits59.3115%4,615
Net loans and leases to core deposits60.9430%4,727
Total domestic deposits to total assets77.8550%4,984
Equity capital to assets12.3070%1,656
Core capital (leverage) ratio12.2235%1,486
Tier 1 risk-based capital ratio20.0865%1,374
Total risk-based capital ratio21.3412%1,343
Memoranda:
Average total assets$109,262,0004,182
Average earning assets$103,103,0004,151
Average equity$13,246,0004,024
Average total loans$52,088,5004,503
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4761%4,832
Cost of funding earning assets0.3566%3,449
Net interest margin3.1196%4,673
Noninterest income to average assets0.7703%1,878
Noninterest expense to average assets2.4367%4,193
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.9791%2,441
Return on assets (ROA)0.9849%2,516
Pretax return on assets1.2770%2,369
Return on Equity (ROE)7.7752%3,069
Retained earnings to average equity (ytd only)4.6039%2,634
Net charge-offs to loans0.0314%3,394
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)89.5333%658
Efficiency ratio65.7485%3,637
Assets per employee ($millions)5.0432%2,344
Cash dividends to net income (ytd only)*40.7869%2,826
Condition Ratios (%)
Loss allowance to loans1.9320%756
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets47.2605%4,940
Net loans and leases to deposits64.1380%4,408
Net loans and leases to core deposits65.9398%4,532
Total domestic deposits to total assets73.6857%5,463
Equity capital to assets11.9449%1,847
Core capital (leverage) ratio12.2987%1,432
Tier 1 risk-based capital ratio19.4095%1,504
Total risk-based capital ratio20.6631%1,460
Memoranda:
Average total assets$105,797,4004,242
Average earning assets$99,565,0004,214
Average equity$13,401,6004,043
Average total loans$47,788,6004,642
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5186%4,755
Cost of funding earning assets0.3580%3,455
Net interest margin3.1607%4,602
Noninterest income to average assets0.7540%1,951
Noninterest expense to average assets2.4788%4,047
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.9643%2,594
Return on assets (ROA)0.9721%2,690
Pretax return on assets1.2592%2,579
Return on Equity (ROE)7.5600%3,260
Retained earnings to average equity (ytd only)3.3435%3,893
Net charge-offs to loans-0.0058%4,649
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4956%3,502
Assets per employee ($millions)4.7064%2,741
Cash dividends to net income (ytd only)*55.7743%1,619
Condition Ratios (%)
Loss allowance to loans2.2150%500
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets44.7678%5,154
Net loans and leases to deposits56.9098%4,940
Net loans and leases to core deposits58.5132%5,023
Total domestic deposits to total assets78.6645%4,795
Equity capital to assets13.3648%1,315
Core capital (leverage) ratio12.4173%1,433
Tier 1 risk-based capital ratio20.4119%1,374
Total risk-based capital ratio21.6668%1,336
Memoranda:
Average total assets$104,509,0004,311
Average earning assets$98,331,5004,266
Average equity$13,438,7504,066
Average total loans$46,368,5004,720
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5525%4,732
Cost of funding earning assets0.3593%3,460
Net interest margin3.1932%4,561
Noninterest income to average assets0.7402%1,974
Noninterest expense to average assets2.4725%4,109
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.9762%2,490
Return on assets (ROA)0.9806%2,612
Pretax return on assets1.2744%2,506
Return on Equity (ROE)7.7260%3,127
Retained earnings to average equity (ytd only)1.3378%4,849
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0887%3,673
Assets per employee ($millions)4.7637%2,609
Cash dividends to net income (ytd only)*82.6848%840
Condition Ratios (%)
Loss allowance to loans2.2970%472
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets42.5345%5,311
Net loans and leases to deposits54.0766%5,133
Net loans and leases to core deposits55.5768%5,196
Total domestic deposits to total assets78.6559%4,860
Equity capital to assets13.0494%1,474
Core capital (leverage) ratio12.0587%1,586
Tier 1 risk-based capital ratio20.3565%1,371
Total risk-based capital ratio21.6116%1,352
Memoranda:
Average total assets$104,831,6704,335
Average earning assets$98,523,3304,297
Average equity$13,305,6704,107
Average total loans$46,023,6704,766
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5804%4,674
Cost of funding earning assets0.3556%3,546
Net interest margin3.2248%4,501
Noninterest income to average assets0.7592%1,778
Noninterest expense to average assets2.5180%4,013
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.9899%2,325
Return on assets (ROA)0.9957%2,412
Pretax return on assets1.2933%2,335
Return on Equity (ROE)7.9570%2,940
Retained earnings to average equity (ytd only)-4.9998%5,609
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1986%3,766
Assets per employee ($millions)4.7420%2,684
Cash dividends to net income (ytd only)*162.8352%341
Condition Ratios (%)
Loss allowance to loans2.2867%518
Loan loss allowance to noncurrent loans34,933.3333%28
Noncurrent assets plus other real estate owned to assets0.0029%5,675
Noncurrent loans to loans0.0065%5,498
Net loans and leases to total assets42.9268%5,302
Net loans and leases to deposits54.5210%5,070
Net loans and leases to core deposits56.0376%5,130
Total domestic deposits to total assets78.7345%5,026
Equity capital to assets12.6845%1,568
Core capital (leverage) ratio11.8642%1,701
Tier 1 risk-based capital ratio20.0211%1,494
Total risk-based capital ratio21.2776%1,466
Memoranda:
Average total assets$104,846,5004,371
Average earning assets$98,983,0004,321
Average equity$13,120,5004,149
Average total loans$46,223,0004,803
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6716%4,452
Cost of funding earning assets0.3754%3,422
Net interest margin3.2962%4,306
Noninterest income to average assets0.7953%1,804
Noninterest expense to average assets2.4410%4,407
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.0921%1,960
Return on assets (ROA)1.0936%2,025
Pretax return on assets1.4498%1,724
Return on Equity (ROE)9.0044%2,454
Retained earnings to average equity (ytd only)4.6492%2,679
Net charge-offs to loans-0.0067%5,028
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7699%4,481
Assets per employee ($millions)5.0176%2,346
Cash dividends to net income (ytd only)*48.3672%2,401
Condition Ratios (%)
Loss allowance to loans2.2482%552
Loan loss allowance to noncurrent loans2,832.4324%247
Noncurrent assets plus other real estate owned to assets0.0351%5,541
Noncurrent loans to loans0.0794%5,186
Net loans and leases to total assets43.2452%5,328
Net loans and leases to deposits55.1238%5,104
Net loans and leases to core deposits56.8990%5,157
Total domestic deposits to total assets78.4510%5,073
Equity capital to assets12.3452%1,710
Core capital (leverage) ratio11.8528%1,726
Tier 1 risk-based capital ratio19.5062%1,585
Total risk-based capital ratio20.7620%1,551
Memoranda:
Average total assets$103,603,4004,392
Average earning assets$97,233,4004,360
Average equity$12,582,8004,208
Average total loans$44,488,0004,848
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6774%4,491
Cost of funding earning assets0.3818%3,409
Net interest margin3.2956%4,368
Noninterest income to average assets0.8078%1,779
Noninterest expense to average assets2.4815%4,256
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.0730%2,119
Return on assets (ROA)1.0740%2,208
Pretax return on assets1.4178%1,936
Return on Equity (ROE)8.8805%2,639
Retained earnings to average equity (ytd only)3.2166%4,173
Net charge-offs to loans-0.0091%4,959
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6605%4,309
Assets per employee ($millions)4.8995%2,417
Cash dividends to net income (ytd only)*63.7788%1,265
Condition Ratios (%)
Loss allowance to loans2.3072%569
Loan loss allowance to noncurrent loans52,400.0000%26
Noncurrent assets plus other real estate owned to assets0.0019%5,820
Noncurrent loans to loans0.0044%5,645
Net loans and leases to total assets43.1286%5,415
Net loans and leases to deposits55.4521%5,157
Net loans and leases to core deposits57.2972%5,234
Total domestic deposits to total assets77.7763%5,226
Equity capital to assets12.4560%1,768
Core capital (leverage) ratio11.7445%1,861
Tier 1 risk-based capital ratio20.5375%1,431
Total risk-based capital ratio21.7940%1,394
Memoranda:
Average total assets$103,162,0004,449
Average earning assets$96,733,0004,418
Average equity$12,476,5004,270
Average total loans$43,956,2504,915
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6518%4,570
Cost of funding earning assets0.3844%3,431
Net interest margin3.2674%4,428
Noninterest income to average assets0.8348%1,652
Noninterest expense to average assets2.5258%4,153
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.0440%2,163
Return on assets (ROA)1.0440%2,276
Pretax return on assets1.3714%2,106
Return on Equity (ROE)8.7193%2,693
Retained earnings to average equity (ytd only)0.4206%5,375
Net charge-offs to loans-0.0138%5,028
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8111%4,226
Assets per employee ($millions)4.4794%3,016
Cash dividends to net income (ytd only)*95.1763%602
Condition Ratios (%)
Loss allowance to loans2.4034%545
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets41.3066%5,548
Net loans and leases to deposits53.2662%5,299
Net loans and leases to core deposits55.5190%5,340
Total domestic deposits to total assets77.5476%5,369
Equity capital to assets11.7872%2,172
Core capital (leverage) ratio11.5704%1,949
Tier 1 risk-based capital ratio20.1672%1,513
Total risk-based capital ratio21.4246%1,485
Memoranda:
Average total assets$103,252,6704,482
Average earning assets$96,773,0004,450
Average equity$12,363,3304,312
Average total loans$43,467,3304,971
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6428%4,557
Cost of funding earning assets0.3832%3,491
Net interest margin3.2596%4,381
Noninterest income to average assets0.8281%1,609
Noninterest expense to average assets2.6160%3,875
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.9791%2,345
Return on assets (ROA)0.9791%2,480
Pretax return on assets1.2732%2,380
Return on Equity (ROE)8.1135%2,903
Retained earnings to average equity (ytd only)-4.9387%5,932
Net charge-offs to loans-0.0277%5,202
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2637%3,942
Assets per employee ($millions)4.2730%3,427
Cash dividends to net income (ytd only)*160.8696%327
Condition Ratios (%)
Loss allowance to loans2.5143%522
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets39.6222%5,616
Net loans and leases to deposits50.2560%5,444
Net loans and leases to core deposits52.2624%5,472
Total domestic deposits to total assets78.8408%5,292
Equity capital to assets12.3500%1,785
Core capital (leverage) ratio11.3910%2,093
Tier 1 risk-based capital ratio20.6328%1,497
Total risk-based capital ratio21.8894%1,460
Memoranda:
Average total assets$103,365,5004,515
Average earning assets$97,067,5004,481
Average equity$12,473,0004,327
Average total loans$43,398,5005,002
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7871%4,532
Cost of funding earning assets0.4078%3,605
Net interest margin3.3793%4,284
Noninterest income to average assets0.7442%2,106
Noninterest expense to average assets2.5512%4,392
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.0489%2,168
Return on assets (ROA)1.0481%2,242
Pretax return on assets1.3442%2,092
Return on Equity (ROE)9.6147%2,293
Retained earnings to average equity (ytd only)7.9778%1,025
Net charge-offs to loans-0.0226%5,723
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4756%4,326
Assets per employee ($millions)4.7355%2,676
Cash dividends to net income (ytd only)*17.0253%3,910
Condition Ratios (%)
Loss allowance to loans2.3163%709
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets42.3027%5,593
Net loans and leases to deposits56.5368%5,150
Net loans and leases to core deposits58.6511%5,223
Total domestic deposits to total assets74.8234%5,874
Equity capital to assets11.7883%2,182
Core capital (leverage) ratio11.6566%1,859
Tier 1 risk-based capital ratio20.2665%1,542
Total risk-based capital ratio21.5239%1,512
Memoranda:
Average total assets$101,992,0004,544
Average earning assets$95,137,6004,528
Average equity$11,118,4004,541
Average total loans$44,151,2005,030
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7918%4,570
Cost of funding earning assets0.4105%3,678
Net interest margin3.3813%4,308
Noninterest income to average assets0.7334%2,168
Noninterest expense to average assets2.5353%4,412
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.0564%2,208
Return on assets (ROA)1.0554%2,279
Pretax return on assets1.3472%2,207
Return on Equity (ROE)9.8879%2,272
Retained earnings to average equity (ytd only)7.7330%1,474
Net charge-offs to loans-0.0182%5,588
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2792%4,326
Assets per employee ($millions)4.2388%3,404
Cash dividends to net income (ytd only)*21.7935%3,142
Condition Ratios (%)
Loss allowance to loans2.4598%676
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets40.5770%5,783
Net loans and leases to deposits51.9815%5,529
Net loans and leases to core deposits53.8876%5,573
Total domestic deposits to total assets78.0606%5,518
Equity capital to assets11.3939%2,592
Core capital (leverage) ratio11.5517%2,021
Tier 1 risk-based capital ratio20.6343%1,521
Total risk-based capital ratio21.8919%1,487
Memoranda:
Average total assets$101,445,0004,620
Average earning assets$94,517,0004,584
Average equity$10,827,7504,627
Average total loans$43,910,0005,093
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7847%4,576
Cost of funding earning assets0.4182%3,683
Net interest margin3.3665%4,333
Noninterest income to average assets0.6630%2,468
Noninterest expense to average assets2.5634%4,372
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.9887%2,371
Return on assets (ROA)0.9887%2,450
Pretax return on assets1.2294%2,538
Return on Equity (ROE)9.4767%2,379
Retained earnings to average equity (ytd only)7.2446%1,641
Net charge-offs to loans-0.0225%5,588
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5858%4,088
Assets per employee ($millions)4.2514%3,369
Cash dividends to net income (ytd only)*23.5529%3,052
Condition Ratios (%)
Loss allowance to loans2.4907%721
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets39.9047%5,822
Net loans and leases to deposits48.8917%5,716
Net loans and leases to core deposits50.8137%5,748
Total domestic deposits to total assets81.6187%4,777
Equity capital to assets11.0337%2,839
Core capital (leverage) ratio11.1986%2,244
Tier 1 risk-based capital ratio20.0021%1,684
Total risk-based capital ratio21.2601%1,651
Memoranda:
Average total assets$101,350,0004,649
Average earning assets$94,221,3304,636
Average equity$10,573,3304,690
Average total loans$44,440,0005,105
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8532%4,281
Cost of funding earning assets0.4234%3,724
Net interest margin3.4298%3,986
Noninterest income to average assets0.6257%2,593
Noninterest expense to average assets2.6532%4,103
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9465%2,422
Return on assets (ROA)0.9465%2,492
Pretax return on assets1.1484%2,704
Return on Equity (ROE)9.3442%2,314
Retained earnings to average equity (ytd only)4.9262%3,156
Net charge-offs to loans0.1223%1,988
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)20.7143%1,323
Efficiency ratio69.7917%3,872
Assets per employee ($millions)4.2320%3,470
Cash dividends to net income (ytd only)*47.2803%1,775
Condition Ratios (%)
Loss allowance to loans2.3185%1,000
Loan loss allowance to noncurrent loans2,219.5652%261
Noncurrent assets plus other real estate owned to assets0.0453%6,149
Noncurrent loans to loans0.1045%5,814
Net loans and leases to total assets42.3523%5,634
Net loans and leases to deposits51.3943%5,489
Net loans and leases to core deposits53.5698%5,529
Total domestic deposits to total assets82.4067%4,813
Equity capital to assets10.3685%3,372
Core capital (leverage) ratio11.2849%2,154
Tier 1 risk-based capital ratio18.8459%2,014
Total risk-based capital ratio20.1030%1,972
Memoranda:
Average total assets$101,008,5004,708
Average earning assets$93,532,0004,696
Average equity$10,231,0004,771
Average total loans$45,782,0005,083
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1180%3,669
Cost of funding earning assets0.4757%3,858
Net interest margin3.6424%3,275
Noninterest income to average assets0.9029%1,668
Noninterest expense to average assets2.6274%4,363
Loan and lease loss provision to assets0.0582%3,975
Net operating income to assets1.2686%1,338
Return on assets (ROA)1.2686%1,394
Pretax return on assets1.6187%1,122
Return on Equity (ROE)12.2653%1,338
Retained earnings to average equity (ytd only)8.3926%933
Net charge-offs to loans0.3099%2,134
Credit loss provision to net charge-offs44.7761%3,944
Earnings coverage of net charge-offs (x)12.9030%2,086
Efficiency ratio60.9959%5,360
Assets per employee ($millions)4.1854%3,470
Cash dividends to net income (ytd only)*31.5749%3,217
Condition Ratios (%)
Loss allowance to loans2.1777%1,208
Loan loss allowance to noncurrent loans3,044.1176%206
Noncurrent assets plus other real estate owned to assets0.0338%6,278
Noncurrent loans to loans0.0715%6,005
Net loans and leases to total assets46.2837%5,462
Net loans and leases to deposits57.9722%5,127
Net loans and leases to core deposits60.2548%5,204
Total domestic deposits to total assets79.8377%5,483
Equity capital to assets9.8865%3,919
Core capital (leverage) ratio11.1057%2,289
Tier 1 risk-based capital ratio17.2981%2,493
Total risk-based capital ratio18.5530%2,466
Memoranda:
Average total assets$103,107,0004,670
Average earning assets$96,283,6004,611
Average equity$10,664,2004,705
Average total loans$43,245,0005,228
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2103%3,349
Cost of funding earning assets0.4806%3,959
Net interest margin3.7297%2,922
Noninterest income to average assets0.9251%1,676
Noninterest expense to average assets2.5761%4,475
Loan and lease loss provision to assets0.0578%3,896
Net operating income to assets1.3748%1,162
Return on assets (ROA)1.3748%1,207
Pretax return on assets1.7808%942
Return on Equity (ROE)13.1517%1,207
Retained earnings to average equity (ytd only)8.0754%1,381
Net charge-offs to loans0.0538%4,140
Credit loss provision to net charge-offs264.7059%947
Earnings coverage of net charge-offs (x)84.1619%566
Efficiency ratio58.2945%5,650
Assets per employee ($millions)4.1010%3,637
Cash dividends to net income (ytd only)*38.5980%2,334
Condition Ratios (%)
Loss allowance to loans2.6776%767
Loan loss allowance to noncurrent loans226.0437%1,792
Noncurrent assets plus other real estate owned to assets0.5111%4,916
Noncurrent loans to loans1.1845%3,450
Net loans and leases to total assets41.9892%5,905
Net loans and leases to deposits51.0834%5,771
Net loans and leases to core deposits53.4694%5,800
Total domestic deposits to total assets82.1973%4,862
Equity capital to assets10.0281%3,863
Core capital (leverage) ratio10.5237%2,979
Tier 1 risk-based capital ratio18.3348%2,205
Total risk-based capital ratio19.5936%2,161
Memoranda:
Average total assets$103,771,2504,697
Average earning assets$97,092,5004,639
Average equity$10,847,5004,718
Average total loans$42,174,5005,305
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7691%4,931
Cost of funding earning assets0.4810%4,081
Net interest margin3.2881%4,632
Noninterest income to average assets1.0099%1,506
Noninterest expense to average assets2.5181%4,661
Loan and lease loss provision to assets0.0568%3,863
Net operating income to assets1.2051%1,583
Return on assets (ROA)1.2051%1,687
Pretax return on assets1.5177%1,568
Return on Equity (ROE)11.3843%1,690
Retained earnings to average equity (ytd only)4.2959%3,553
Net charge-offs to loans0.0808%3,567
Credit loss provision to net charge-offs176.4706%1,345
Earnings coverage of net charge-offs (x)48.8824%812
Efficiency ratio61.4352%5,255
Assets per employee ($millions)4.3376%3,111
Cash dividends to net income (ytd only)*62.2642%1,434
Condition Ratios (%)
Loss allowance to loans2.7897%716
Loan loss allowance to noncurrent loans79.0698%4,062
Noncurrent assets plus other real estate owned to assets1.3823%3,030
Noncurrent loans to loans3.5281%1,194
Net loans and leases to total assets37.5570%6,204
Net loans and leases to deposits45.6566%6,130
Net loans and leases to core deposits47.8117%6,141
Total domestic deposits to total assets82.2599%4,957
Equity capital to assets10.0996%3,789
Core capital (leverage) ratio9.8495%3,720
Tier 1 risk-based capital ratio18.3088%2,207
Total risk-based capital ratio19.5687%2,169
Memoranda:
Average total assets$105,554,0004,689
Average earning assets$98,963,0004,626
Average equity$11,173,3304,687
Average total loans$42,078,0005,333
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7693%4,925
Cost of funding earning assets0.4862%4,221
Net interest margin3.2830%4,581
Noninterest income to average assets0.9183%1,697
Noninterest expense to average assets2.5367%4,621
Loan and lease loss provision to assets0.0565%3,695
Net operating income to assets1.1291%1,748
Return on assets (ROA)1.1291%1,866
Pretax return on assets1.4001%1,851
Return on Equity (ROE)10.4321%1,902
Retained earnings to average equity (ytd only)-2.8514%6,174
Net charge-offs to loans0.1581%2,455
Credit loss provision to net charge-offs88.2353%2,048
Earnings coverage of net charge-offs (x)22.7647%1,126
Efficiency ratio63.3365%5,109
Assets per employee ($millions)4.4057%3,143
Cash dividends to net income (ytd only)*127.3333%463
Condition Ratios (%)
Loss allowance to loans2.7013%915
Loan loss allowance to noncurrent loans77.9029%4,025
Noncurrent assets plus other real estate owned to assets1.4678%3,058
Noncurrent loans to loans3.4675%1,387
Net loans and leases to total assets37.7105%6,166
Net loans and leases to deposits45.2476%6,108
Net loans and leases to core deposits47.3164%6,134
Total domestic deposits to total assets83.3426%4,737
Equity capital to assets10.7389%3,272
Core capital (leverage) ratio9.6276%3,873
Tier 1 risk-based capital ratio17.5122%2,553
Total risk-based capital ratio18.7705%2,516
Memoranda:
Average total assets$106,279,5004,707
Average earning assets$99,542,0004,637
Average equity$11,503,0004,672
Average total loans$43,007,0005,338
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1660%4,706
Cost of funding earning assets0.5855%4,485
Net interest margin3.5805%4,180
Noninterest income to average assets0.8631%1,984
Noninterest expense to average assets2.5774%4,828
Loan and lease loss provision to assets0.1204%4,116
Net operating income to assets1.2130%1,559
Return on assets (ROA)1.2114%1,727
Pretax return on assets1.5085%1,648
Return on Equity (ROE)10.8643%1,847
Retained earnings to average equity (ytd only)6.9488%1,594
Net charge-offs to loans0.2444%3,480
Credit loss provision to net charge-offs111.1111%2,626
Earnings coverage of net charge-offs (x)15.0463%1,682
Efficiency ratio61.0780%5,376
Assets per employee ($millions)4.4509%3,052
Cash dividends to net income (ytd only)*36.0398%3,084
Condition Ratios (%)
Loss allowance to loans2.4626%1,167
Loan loss allowance to noncurrent loans76.8538%4,016
Noncurrent assets plus other real estate owned to assets1.4772%3,167
Noncurrent loans to loans3.2043%1,615
Net loans and leases to total assets41.1189%6,086
Net loans and leases to deposits51.4116%5,857
Net loans and leases to core deposits53.8324%5,885
Total domestic deposits to total assets79.9798%5,672
Equity capital to assets10.9069%3,059
Core capital (leverage) ratio9.7695%3,697
Tier 1 risk-based capital ratio16.7815%2,756
Total risk-based capital ratio18.0346%2,717
Memoranda:
Average total assets$99,636,0004,848
Average earning assets$93,086,6004,775
Average equity$11,109,8004,739
Average total loans$44,182,8005,322
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1942%4,838
Cost of funding earning assets0.6098%4,541
Net interest margin3.5844%4,298
Noninterest income to average assets0.8558%2,000
Noninterest expense to average assets2.5756%4,825
Loan and lease loss provision to assets0.1226%4,018
Net operating income to assets1.2191%1,670
Return on assets (ROA)1.2169%1,855
Pretax return on assets1.5113%1,841
Return on Equity (ROE)10.8492%2,009
Retained earnings to average equity (ytd only)5.8315%2,805
Net charge-offs to loans0.3275%2,821
Credit loss provision to net charge-offs83.3333%3,513
Earnings coverage of net charge-offs (x)11.1201%2,106
Efficiency ratio60.9835%5,315
Assets per employee ($millions)4.1827%3,514
Cash dividends to net income (ytd only)*46.2482%1,873
Condition Ratios (%)
Loss allowance to loans2.5255%1,181
Loan loss allowance to noncurrent loans95.5713%3,362
Noncurrent assets plus other real estate owned to assets1.4733%3,393
Noncurrent loans to loans2.6425%2,148
Net loans and leases to total assets41.4857%6,164
Net loans and leases to deposits50.5376%6,071
Net loans and leases to core deposits53.0516%6,115
Total domestic deposits to total assets82.0888%4,987
Equity capital to assets11.5028%2,736
Core capital (leverage) ratio9.7154%3,933
Tier 1 risk-based capital ratio16.9481%2,760
Total risk-based capital ratio18.2072%2,716
Memoranda:
Average total assets$97,839,5004,935
Average earning assets$91,616,0004,868
Average equity$10,974,5004,811
Average total loans$43,970,2505,392
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1977%4,963
Cost of funding earning assets0.6268%4,658
Net interest margin3.5709%4,383
Noninterest income to average assets0.7898%2,235
Noninterest expense to average assets2.5837%4,834
Loan and lease loss provision to assets0.1237%3,980
Net operating income to assets1.1643%1,835
Return on assets (ROA)1.1609%2,050
Pretax return on assets1.4146%2,146
Return on Equity (ROE)10.4417%2,198
Retained earnings to average equity (ytd only)3.1344%4,540
Net charge-offs to loans0.2478%3,093
Credit loss provision to net charge-offs109.0909%2,493
Earnings coverage of net charge-offs (x)13.6000%1,782
Efficiency ratio62.4688%5,172
Assets per employee ($millions)4.1923%3,469
Cash dividends to net income (ytd only)*69.9822%1,089
Condition Ratios (%)
Loss allowance to loans2.5520%1,210
Loan loss allowance to noncurrent loans92.3722%3,415
Noncurrent assets plus other real estate owned to assets1.5554%3,369
Noncurrent loans to loans2.7628%2,175
Net loans and leases to total assets41.8214%6,198
Net loans and leases to deposits50.5011%6,146
Net loans and leases to core deposits52.9722%6,165
Total domestic deposits to total assets82.8129%4,821
Equity capital to assets11.1046%3,013
Core capital (leverage) ratio9.7329%3,794
Tier 1 risk-based capital ratio16.4896%2,919
Total risk-based capital ratio17.7486%2,877
Memoranda:
Average total assets$96,991,3304,979
Average earning assets$90,621,3304,912
Average equity$10,783,6704,864
Average total loans$44,385,6705,415
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3796%4,407
Cost of funding earning assets0.6488%4,746
Net interest margin3.7308%3,692
Noninterest income to average assets0.7649%2,324
Noninterest expense to average assets2.6855%4,478
Loan and lease loss provision to assets0.1261%3,772
Net operating income to assets1.1821%1,791
Return on assets (ROA)1.1683%2,013
Pretax return on assets1.4163%2,134
Return on Equity (ROE)10.5015%2,233
Retained earnings to average equity (ytd only)-4.1175%6,509
Net charge-offs to loans0.4890%1,867
Credit loss provision to net charge-offs54.5455%3,208
Earnings coverage of net charge-offs (x)6.7455%2,162
Efficiency ratio63.1683%5,075
Assets per employee ($millions)4.1656%3,651
Cash dividends to net income (ytd only)*139.2086%343
Condition Ratios (%)
Loss allowance to loans2.5140%1,334
Loan loss allowance to noncurrent loans224.2678%1,480
Noncurrent assets plus other real estate owned to assets0.9289%4,664
Noncurrent loans to loans1.1210%4,458
Net loans and leases to total assets43.3874%6,064
Net loans and leases to deposits52.6083%5,937
Net loans and leases to core deposits55.1050%5,979
Total domestic deposits to total assets82.4724%5,136
Equity capital to assets11.0804%2,815
Core capital (leverage) ratio9.6999%3,770
Tier 1 risk-based capital ratio16.0989%3,126
Total risk-based capital ratio17.3553%3,086
Memoranda:
Average total assets$95,179,0005,056
Average earning assets$88,774,5004,998
Average equity$10,589,0004,908
Average total loans$44,988,0005,421
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9369%3,170
Cost of funding earning assets0.7620%5,123
Net interest margin4.1749%2,136
Noninterest income to average assets0.6730%2,765
Noninterest expense to average assets2.8158%4,288
Loan and lease loss provision to assets0.2043%4,143
Net operating income to assets1.2668%1,330
Return on assets (ROA)1.3120%1,321
Pretax return on assets1.5878%1,234
Return on Equity (ROE)12.1299%1,372
Retained earnings to average equity (ytd only)11.2380%378
Net charge-offs to loans0.0022%6,424
Credit loss provision to net charge-offs18,000.0000%8
Earnings coverage of net charge-offs (x)1,531.0000%11
Efficiency ratio61.6650%5,509
Assets per employee ($millions)4.1108%3,629
Cash dividends to net income (ytd only)*7.3529%3,929
Condition Ratios (%)
Loss allowance to loans2.3175%1,596
Loan loss allowance to noncurrent loans800.7299%473
Noncurrent assets plus other real estate owned to assets0.2718%6,284
Noncurrent loans to loans0.2894%6,144
Net loans and leases to total assets48.9037%5,725
Net loans and leases to deposits60.9823%5,369
Net loans and leases to core deposits64.1464%5,448
Total domestic deposits to total assets80.1933%5,687
Equity capital to assets11.1709%2,824
Core capital (leverage) ratio10.2239%3,061
Tier 1 risk-based capital ratio15.6483%3,239
Total risk-based capital ratio16.9050%3,192
Memoranda:
Average total assets$88,109,0005,233
Average earning assets$81,894,2005,174
Average equity$9,530,2005,143
Average total loans$46,193,8005,419
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0509%2,837
Cost of funding earning assets0.7884%5,227
Net interest margin4.2625%1,860
Noninterest income to average assets0.6551%2,851
Noninterest expense to average assets2.8547%4,127
Loan and lease loss provision to assets0.2081%3,934
Net operating income to assets1.2844%1,423
Return on assets (ROA)1.3087%1,445
Pretax return on assets1.5799%1,435
Return on Equity (ROE)12.2081%1,487
Retained earnings to average equity (ytd only)11.4604%559
Net charge-offs to loans0.0029%6,158
Credit loss provision to net charge-offs13,500.0000%19
Earnings coverage of net charge-offs (x)1,143.8346%18
Efficiency ratio61.7107%5,459
Assets per employee ($millions)3.6940%4,552
Cash dividends to net income (ytd only)*6.1247%3,378
Condition Ratios (%)
Loss allowance to loans2.2726%1,730
Loan loss allowance to noncurrent loans756.8345%452
Noncurrent assets plus other real estate owned to assets0.3440%6,208
Noncurrent loans to loans0.3003%6,246
Net loans and leases to total assets51.0259%5,576
Net loans and leases to deposits61.8631%5,418
Net loans and leases to core deposits65.1882%5,504
Total domestic deposits to total assets82.4819%4,889
Equity capital to assets11.6539%2,538
Core capital (leverage) ratio10.1346%3,265
Tier 1 risk-based capital ratio16.0212%3,110
Total risk-based capital ratio17.2784%3,068
Memoranda:
Average total assets$86,499,0005,314
Average earning assets$80,326,2505,262
Average equity$9,272,2505,239
Average total loans$45,908,5005,472
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0758%2,792
Cost of funding earning assets0.7987%5,374
Net interest margin4.2771%1,744
Noninterest income to average assets0.5922%3,184
Noninterest expense to average assets2.9284%3,908
Loan and lease loss provision to assets0.2098%3,818
Net operating income to assets1.2121%1,536
Return on assets (ROA)1.2101%1,625
Pretax return on assets1.4222%1,745
Return on Equity (ROE)11.6381%1,593
Retained earnings to average equity (ytd only)10.9654%670
Net charge-offs to loans0.0044%5,820
Credit loss provision to net charge-offs9,000.0000%30
Earnings coverage of net charge-offs (x)701.0000%42
Efficiency ratio64.0266%5,235
Assets per employee ($millions)3.6778%4,506
Cash dividends to net income (ytd only)*5.7803%3,215
Condition Ratios (%)
Loss allowance to loans2.2735%1,789
Loan loss allowance to noncurrent loans685.0340%510
Noncurrent assets plus other real estate owned to assets0.3648%6,225
Noncurrent loans to loans0.3319%6,250
Net loans and leases to total assets49.0393%5,944
Net loans and leases to deposits58.9304%5,827
Net loans and leases to core deposits62.0689%5,891
Total domestic deposits to total assets83.2155%4,664
Equity capital to assets10.7867%3,186
Core capital (leverage) ratio10.0856%3,157
Tier 1 risk-based capital ratio15.9435%3,005
Total risk-based capital ratio17.2010%2,968
Memoranda:
Average total assets$85,779,6705,374
Average earning assets$79,633,0005,327
Average equity$8,919,0005,347
Average total loans$45,781,3305,528
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1414%2,466
Cost of funding earning assets0.8169%5,483
Net interest margin4.3245%1,488
Noninterest income to average assets0.4921%3,951
Noninterest expense to average assets3.0851%3,315
Loan and lease loss provision to assets0.2129%3,520
Net operating income to assets1.0784%1,916
Return on assets (ROA)1.0741%1,984
Pretax return on assets1.1971%2,382
Return on Equity (ROE)10.5361%1,901
Retained earnings to average equity (ytd only)9.3293%1,285
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3491%4,591
Assets per employee ($millions)3.3932%5,265
Cash dividends to net income (ytd only)*11.4537%2,355
Condition Ratios (%)
Loss allowance to loans2.1507%2,078
Loan loss allowance to noncurrent loans580.1205%575
Noncurrent assets plus other real estate owned to assets0.4821%6,021
Noncurrent loans to loans0.3707%6,256
Net loans and leases to total assets51.6486%5,625
Net loans and leases to deposits62.0358%5,489
Net loans and leases to core deposits64.5472%5,673
Total domestic deposits to total assets83.2561%4,816
Equity capital to assets10.3783%3,313
Core capital (leverage) ratio10.0908%3,052
Tier 1 risk-based capital ratio15.4992%3,164
Total risk-based capital ratio16.7570%3,109
Memoranda:
Average total assets$84,536,5005,453
Average earning assets$78,344,0005,407
Average equity$8,618,0005,431
Average total loans$46,526,0005,546
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3967%2,685
Cost of funding earning assets1.0814%5,246
Net interest margin4.3152%1,768
Noninterest income to average assets0.6310%3,277
Noninterest expense to average assets3.0288%3,740
Loan and lease loss provision to assets0.3614%3,952
Net operating income to assets1.0716%1,793
Return on assets (ROA)1.0855%1,831
Pretax return on assets1.2120%2,182
Return on Equity (ROE)10.5251%1,748
Retained earnings to average equity (ytd only)6.0606%1,781
Net charge-offs to loans0.0476%6,325
Credit loss provision to net charge-offs1,262.5000%181
Earnings coverage of net charge-offs (x)54.4167%432
Efficiency ratio65.8518%4,997
Assets per employee ($millions)3.3697%5,244
Cash dividends to net income (ytd only)*42.4176%2,473
Condition Ratios (%)
Loss allowance to loans1.9016%2,560
Loan loss allowance to noncurrent loans553.0120%591
Noncurrent assets plus other real estate owned to assets0.5817%5,858
Noncurrent loans to loans0.3439%6,370
Net loans and leases to total assets56.2154%5,309
Net loans and leases to deposits68.7829%4,989
Net loans and leases to core deposits70.8767%5,347
Total domestic deposits to total assets81.7288%5,275
Equity capital to assets10.0093%3,736
Core capital (leverage) ratio9.7840%3,337
Tier 1 risk-based capital ratio14.5854%3,487
Total risk-based capital ratio15.8397%3,449
Memoranda:
Average total assets$83,829,6005,471
Average earning assets$76,843,8005,450
Average equity$8,646,0005,516
Average total loans$50,449,4005,471
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4468%2,661
Cost of funding earning assets1.1427%5,187
Net interest margin4.3041%1,838
Noninterest income to average assets0.5383%3,877
Noninterest expense to average assets3.0543%3,557
Loan and lease loss provision to assets0.3631%3,717
Net operating income to assets0.9792%2,301
Return on assets (ROA)0.9985%2,358
Pretax return on assets1.0765%2,906
Return on Equity (ROE)9.6095%2,287
Retained earnings to average equity (ytd only)7.9083%1,451
Net charge-offs to loans0.0628%5,885
Credit loss provision to net charge-offs950.0000%302
Earnings coverage of net charge-offs (x)37.1241%733
Efficiency ratio68.1025%4,448
Assets per employee ($millions)3.3346%5,374
Cash dividends to net income (ytd only)*17.7038%3,054
Condition Ratios (%)
Loss allowance to loans1.6836%3,206
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.0616%4,994
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets59.0524%5,097
Net loans and leases to deposits74.7241%4,394
Net loans and leases to core deposits77.7206%4,835
Total domestic deposits to total assets79.0272%6,010
Equity capital to assets11.1282%2,831
Core capital (leverage) ratio9.9581%3,288
Tier 1 risk-based capital ratio14.3047%3,630
Total risk-based capital ratio15.5579%3,588
Memoranda:
Average total assets$83,726,5005,548
Average earning assets$76,544,7505,531
Average equity$8,699,5005,577
Average total loans$50,993,0005,530
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4915%2,554
Cost of funding earning assets1.2070%5,084
Net interest margin4.2845%1,840
Noninterest income to average assets0.3721%5,163
Noninterest expense to average assets3.1367%3,162
Loan and lease loss provision to assets0.3650%3,519
Net operating income to assets0.8086%2,929
Return on assets (ROA)0.8396%2,937
Pretax return on assets0.8134%3,833
Return on Equity (ROE)8.2755%2,774
Retained earnings to average equity (ytd only)6.0891%2,287
Net charge-offs to loans0.0975%5,170
Credit loss provision to net charge-offs612.0000%598
Earnings coverage of net charge-offs (x)19.2400%1,262
Efficiency ratio73.0512%3,650
Assets per employee ($millions)3.3014%5,428
Cash dividends to net income (ytd only)*26.4205%2,644
Condition Ratios (%)
Loss allowance to loans1.5336%3,748
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.1219%4,887
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets59.6668%5,129
Net loans and leases to deposits73.6037%4,738
Net loans and leases to core deposits76.4262%5,150
Total domestic deposits to total assets81.0650%5,380
Equity capital to assets10.5252%3,380
Core capital (leverage) ratio9.6872%3,559
Tier 1 risk-based capital ratio13.7845%3,890
Total risk-based capital ratio15.0358%3,851
Memoranda:
Average total assets$83,847,0005,568
Average earning assets$76,554,6705,560
Average equity$8,507,0005,635
Average total loans$51,300,0005,552
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5617%2,313
Cost of funding earning assets1.3178%4,706
Net interest margin4.2439%1,873
Noninterest income to average assets0.5207%3,889
Noninterest expense to average assets3.1241%3,161
Loan and lease loss provision to assets0.3692%3,153
Net operating income to assets0.8903%2,592
Return on assets (ROA)0.9325%2,488
Pretax return on assets0.9420%3,308
Return on Equity (ROE)9.3620%2,353
Retained earnings to average equity (ytd only)7.7938%1,795
Net charge-offs to loans0.1925%3,765
Credit loss provision to net charge-offs312.0000%1,265
Earnings coverage of net charge-offs (x)10.7200%1,717
Efficiency ratio70.9052%4,131
Assets per employee ($millions)3.2759%5,592
Cash dividends to net income (ytd only)*16.7513%2,292
Condition Ratios (%)
Loss allowance to loans1.3308%4,771
Loan loss allowance to noncurrent loans4,070.5882%88
Noncurrent assets plus other real estate owned to assets1.3566%4,480
Noncurrent loans to loans0.0327%7,331
Net loans and leases to total assets62.6487%4,629
Net loans and leases to deposits77.9958%4,044
Net loans and leases to core deposits81.0284%4,619
Total domestic deposits to total assets80.3231%5,680
Equity capital to assets10.3690%3,383
Core capital (leverage) ratio9.2906%4,072
Tier 1 risk-based capital ratio13.2539%4,166
Total risk-based capital ratio14.4266%4,183
Memoranda:
Average total assets$84,503,0005,614
Average earning assets$77,099,0005,597
Average equity$8,417,0005,710
Average total loans$51,943,5005,588
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5724%3,748
Cost of funding earning assets1.5701%5,183
Net interest margin4.0023%2,853
Noninterest income to average assets0.9242%1,851
Noninterest expense to average assets2.8384%4,802
Loan and lease loss provision to assets1.0660%2,149
Net operating income to assets0.7664%2,652
Return on assets (ROA)0.8078%2,589
Pretax return on assets0.7687%3,349
Return on Equity (ROE)8.3470%2,255
Retained earnings to average equity (ytd only)1.6194%3,949
Net charge-offs to loans1.6185%1,561
Credit loss provision to net charge-offs105.5936%5,246
Earnings coverage of net charge-offs (x)1.7763%4,392
Efficiency ratio61.1097%6,317
Assets per employee ($millions)3.4843%5,040
Cash dividends to net income (ytd only)*80.5991%1,156
Condition Ratios (%)
Loss allowance to loans1.2315%5,165
Loan loss allowance to noncurrent loans672.6316%515
Noncurrent assets plus other real estate owned to assets1.4109%4,296
Noncurrent loans to loans0.1831%6,967
Net loans and leases to total assets58.8327%5,510
Net loans and leases to deposits76.0570%4,738
Net loans and leases to core deposits84.7607%5,645
Total domestic deposits to total assets77.3534%6,378
Equity capital to assets9.5766%4,299
Core capital (leverage) ratio8.7284%4,876
Tier 1 risk-based capital ratio12.5599%4,476
Total risk-based capital ratio13.6125%4,594
Memoranda:
Average total assets$86,774,6005,495
Average earning assets$80,378,6005,444
Average equity$8,398,2005,806
Average total loans$54,123,8005,497
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4312%4,785
Cost of funding earning assets1.6070%5,368
Net interest margin3.8242%3,559
Noninterest income to average assets0.8643%2,128
Noninterest expense to average assets2.9237%4,347
Loan and lease loss provision to assets0.2907%4,649
Net operating income to assets1.0679%1,839
Return on assets (ROA)1.1166%1,749
Pretax return on assets1.2627%2,075
Return on Equity (ROE)11.5068%1,483
Retained earnings to average equity (ytd only)9.5255%723
Net charge-offs to loans0.1829%4,929
Credit loss provision to net charge-offs252.0000%1,702
Earnings coverage of net charge-offs (x)12.9863%1,711
Efficiency ratio65.9478%5,373
Assets per employee ($millions)3.5232%4,871
Cash dividends to net income (ytd only)*17.2173%3,325
Condition Ratios (%)
Loss allowance to loans1.2975%4,521
Loan loss allowance to noncurrent loans35.0423%6,074
Noncurrent assets plus other real estate owned to assets2.2809%3,002
Noncurrent loans to loans3.7026%2,014
Net loans and leases to total assets60.8027%5,455
Net loans and leases to deposits81.3708%4,137
Net loans and leases to core deposits90.4951%5,388
Total domestic deposits to total assets74.7230%6,825
Equity capital to assets10.3769%3,646
Core capital (leverage) ratio9.2778%4,224
Tier 1 risk-based capital ratio13.2238%4,035
Total risk-based capital ratio14.3747%4,041
Memoranda:
Average total assets$86,691,2505,528
Average earning assets$80,643,0005,475
Average equity$8,412,2505,848
Average total loans$54,683,0005,531
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3640%5,330
Cost of funding earning assets1.6664%5,441
Net interest margin3.6976%3,956
Noninterest income to average assets0.8535%2,166
Noninterest expense to average assets2.9016%4,494
Loan and lease loss provision to assets0.2018%5,034
Net operating income to assets1.0507%1,942
Return on assets (ROA)1.0507%2,016
Pretax return on assets1.1829%2,355
Return on Equity (ROE)11.0898%1,679
Retained earnings to average equity (ytd only)8.7641%994
Net charge-offs to loans0.2736%3,829
Credit loss provision to net charge-offs116.0000%3,992
Earnings coverage of net charge-offs (x)7.9600%2,349
Efficiency ratio67.5325%5,249
Assets per employee ($millions)3.8501%3,979
Cash dividends to net income (ytd only)*20.9713%3,133
Condition Ratios (%)
Loss allowance to loans1.1518%5,259
Loan loss allowance to noncurrent loans29.7284%6,505
Noncurrent assets plus other real estate owned to assets2.3252%2,796
Noncurrent loans to loans3.8745%1,754
Net loans and leases to total assets58.3413%5,916
Net loans and leases to deposits73.2736%5,568
Net loans and leases to core deposits79.8279%6,422
Total domestic deposits to total assets79.6212%5,582
Equity capital to assets9.3978%4,753
Core capital (leverage) ratio9.0656%4,527
Tier 1 risk-based capital ratio13.1760%4,016
Total risk-based capital ratio14.1873%4,103
Memoranda:
Average total assets$86,228,3305,577
Average earning assets$80,052,6705,527
Average equity$8,169,6705,964
Average total loans$54,824,3305,568
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3457%5,680
Cost of funding earning assets1.7396%5,422
Net interest margin3.6060%4,292
Noninterest income to average assets0.8558%2,054
Noninterest expense to average assets2.8213%4,474
Loan and lease loss provision to assets0.1223%5,400
Net operating income to assets1.0439%2,151
Return on assets (ROA)1.0439%2,282
Pretax return on assets1.2555%2,432
Return on Equity (ROE)10.9718%1,968
Retained earnings to average equity (ytd only)8.5006%1,632
Net charge-offs to loans0.0428%4,879
Credit loss provision to net charge-offs433.3333%1,213
Earnings coverage of net charge-offs (x)48.8333%743
Efficiency ratio66.9653%5,149
Assets per employee ($millions)3.7640%4,192
Cash dividends to net income (ytd only)*22.5225%2,504
Condition Ratios (%)
Loss allowance to loans1.1315%5,254
Loan loss allowance to noncurrent loans30.0493%6,550
Noncurrent assets plus other real estate owned to assets2.3841%2,398
Noncurrent loans to loans3.7654%1,641
Net loans and leases to total assets61.5688%5,404
Net loans and leases to deposits77.4671%5,010
Net loans and leases to core deposits85.0559%5,975
Total domestic deposits to total assets79.4774%5,554
Equity capital to assets9.4983%4,665
Core capital (leverage) ratio8.9970%4,718
Tier 1 risk-based capital ratio12.7297%4,366
Total risk-based capital ratio13.7439%4,472
Memoranda:
Average total assets$85,066,0005,645
Average earning assets$78,867,5005,592
Average equity$8,093,5006,021
Average total loans$56,104,0005,538
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2966%3,974
Cost of funding earning assets2.1251%5,951
Net interest margin4.1715%2,432
Noninterest income to average assets1.0092%1,550
Noninterest expense to average assets2.9777%4,162
Loan and lease loss provision to assets0.1699%5,206
Net operating income to assets1.3480%1,350
Return on assets (ROA)1.3489%1,306
Pretax return on assets1.7074%1,126
Return on Equity (ROE)13.9089%1,127
Retained earnings to average equity (ytd only)7.3279%1,043
Net charge-offs to loans0.0494%6,087
Credit loss provision to net charge-offs503.7037%863
Earnings coverage of net charge-offs (x)55.6296%709
Efficiency ratio61.1683%6,131
Assets per employee ($millions)3.4816%4,719
Cash dividends to net income (ytd only)*47.3148%3,274
Condition Ratios (%)
Loss allowance to loans1.0121%5,914
Loan loss allowance to noncurrent loans31.2169%6,645
Noncurrent assets plus other real estate owned to assets2.2619%2,155
Noncurrent loans to loans3.2421%1,613
Net loans and leases to total assets69.0602%4,241
Net loans and leases to deposits88.5374%3,718
Net loans and leases to core deposits97.2267%5,124
Total domestic deposits to total assets78.0012%5,710
Equity capital to assets9.5310%4,639
Core capital (leverage) ratio9.2197%4,413
Tier 1 risk-based capital ratio12.1932%4,672
Total risk-based capital ratio13.1547%4,800
Memoranda:
Average total assets$80,062,8005,707
Average earning assets$73,785,8005,671
Average equity$7,764,8006,183
Average total loans$54,681,2005,501