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Shelby Savings Bank, SSB, 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 assets5.7742%861
Cost of funding earning assets1.0452%3,200
Net interest margin4.7290%461
Noninterest income to average assets0.7400%1,086
Noninterest expense to average assets3.4511%616
Loan and lease loss provision to assets0.0600%1,903
Net operating income to assets1.6029%861
Return on assets (ROA)1.6058%828
Pretax return on assets1.6058%1,218
Return on Equity (ROE)15.8400%1,128
Retained earnings to average equity (ytd only)6.1549%2,186
Net charge-offs to loans0.0535%1,331
Credit loss provision to net charge-offs139.4904%1,533
Earnings coverage of net charge-offs (x)43.0510%1,398
Efficiency ratio67.5267%2,167
Assets per employee ($millions)4.0290%4,158
Cash dividends to net income (ytd only)*61.1315%1,139
Condition Ratios (%)
Loss allowance to loans1.1136%2,764
Loan loss allowance to noncurrent loans491.5773%1,456
Noncurrent assets plus other real estate owned to assets0.2118%2,167
Noncurrent loans to loans0.2265%2,413
Net loans and leases to total assets70.0500%1,805
Net loans and leases to deposits90.3038%1,237
Net loans and leases to core deposits95.8044%1,662
Total domestic deposits to total assets77.5700%3,778
Equity capital to assets10.6033%1,674
Core capital (leverage) ratio11.7255%1,547
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9808%1,282
Memoranda:
Average total assets$407,261,8001,992
Average earning assets$376,189,0001,988
Average equity$41,300,6001,836
Average total loans$293,663,0001,813
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6012%909
Cost of funding earning assets0.9353%3,191
Net interest margin4.6660%482
Noninterest income to average assets0.7400%1,065
Noninterest expense to average assets3.4358%599
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.5593%1,006
Return on assets (ROA)1.5593%1,003
Pretax return on assets1.5593%1,445
Return on Equity (ROE)15.5500%1,333
Retained earnings to average equity (ytd only)9.7323%1,479
Net charge-offs to loans0.1085%733
Credit loss provision to net charge-offs72.9167%1,790
Earnings coverage of net charge-offs (x)20.6250%1,801
Efficiency ratio67.9549%2,022
Assets per employee ($millions)3.9243%4,199
Cash dividends to net income (ytd only)*37.4265%1,755
Condition Ratios (%)
Loss allowance to loans1.0621%3,058
Loan loss allowance to noncurrent loans442.3242%1,562
Noncurrent assets plus other real estate owned to assets0.2244%2,143
Noncurrent loans to loans0.2401%2,386
Net loans and leases to total assets71.0500%1,689
Net loans and leases to deposits92.9608%970
Net loans and leases to core deposits97.6638%1,465
Total domestic deposits to total assets76.4300%3,976
Equity capital to assets10.3055%1,644
Core capital (leverage) ratio11.8847%1,498
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8995%1,349
Memoranda:
Average total assets$407,344,7501,988
Average earning assets$376,502,2501,987
Average equity$40,838,7501,836
Average total loans$295,015,7501,815
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4535%893
Cost of funding earning assets0.7838%3,255
Net interest margin4.6697%483
Noninterest income to average assets0.7500%976
Noninterest expense to average assets3.3904%606
Loan and lease loss provision to assets0.2400%414
Net operating income to assets1.4413%1,234
Return on assets (ROA)1.4413%1,218
Pretax return on assets1.4413%1,716
Return on Equity (ROE)14.5100%1,573
Retained earnings to average equity (ytd only)8.6081%1,789
Net charge-offs to loans0.1113%634
Credit loss provision to net charge-offs284.2424%887
Earnings coverage of net charge-offs (x)20.7455%1,733
Efficiency ratio66.9147%2,113
Assets per employee ($millions)3.9458%4,201
Cash dividends to net income (ytd only)*40.6728%1,666
Condition Ratios (%)
Loss allowance to loans1.1537%2,696
Loan loss allowance to noncurrent loans204.6236%2,569
Noncurrent assets plus other real estate owned to assets0.4403%1,208
Noncurrent loans to loans0.5638%1,327
Net loans and leases to total assets72.0800%1,523
Net loans and leases to deposits93.8866%878
Net loans and leases to core deposits97.8794%1,355
Total domestic deposits to total assets76.7700%3,977
Equity capital to assets10.1627%1,766
Core capital (leverage) ratio11.5103%1,614
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2806%1,488
Memoranda:
Average total assets$408,392,3331,986
Average earning assets$377,669,0001,988
Average equity$40,566,6671,857
Average total loans$296,595,3331,793
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3126%815
Cost of funding earning assets0.7094%3,026
Net interest margin4.6032%505
Noninterest income to average assets0.7800%892
Noninterest expense to average assets3.3716%630
Loan and lease loss provision to assets-0.0100%4,432
Net operating income to assets1.6760%859
Return on assets (ROA)1.6760%857
Pretax return on assets1.6760%1,327
Return on Equity (ROE)17.0700%1,162
Retained earnings to average equity (ytd only)11.2306%1,421
Net charge-offs to loans0.1978%366
Credit loss provision to net charge-offs-14.3836%4,566
Earnings coverage of net charge-offs (x)11.6370%1,630
Efficiency ratio66.9004%2,100
Assets per employee ($millions)3.8919%4,299
Cash dividends to net income (ytd only)*34.2121%1,614
Condition Ratios (%)
Loss allowance to loans1.0115%3,470
Loan loss allowance to noncurrent loans522.0665%1,581
Noncurrent assets plus other real estate owned to assets0.1957%2,166
Noncurrent loans to loans0.1937%2,504
Net loans and leases to total assets72.0800%1,419
Net loans and leases to deposits89.6377%1,085
Net loans and leases to core deposits92.6128%1,473
Total domestic deposits to total assets80.4100%3,716
Equity capital to assets10.1713%1,734
Core capital (leverage) ratio11.4600%1,579
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0674%1,606
Memoranda:
Average total assets$407,406,5002,018
Average earning assets$377,216,5002,010
Average equity$39,998,0001,899
Average total loans$295,281,0001,810
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7465%469
Cost of funding earning assets0.4638%1,627
Net interest margin4.2828%445
Noninterest income to average assets0.7900%1,028
Noninterest expense to average assets3.3674%566
Loan and lease loss provision to assets0.2100%483
Net operating income to assets1.1673%1,903
Return on assets (ROA)1.1773%1,804
Pretax return on assets1.1773%2,512
Return on Equity (ROE)11.8100%2,212
Retained earnings to average equity (ytd only)6.7515%2,342
Net charge-offs to loans0.0707%936
Credit loss provision to net charge-offs412.5000%763
Earnings coverage of net charge-offs (x)26.9400%1,744
Efficiency ratio70.9557%1,568
Assets per employee ($millions)4.0202%4,278
Cash dividends to net income (ytd only)*42.8509%1,748
Condition Ratios (%)
Loss allowance to loans1.1479%2,655
Loan loss allowance to noncurrent loans443.9216%1,740
Noncurrent assets plus other real estate owned to assets0.2341%1,972
Noncurrent loans to loans0.2586%2,237
Net loans and leases to total assets71.3200%1,490
Net loans and leases to deposits90.8444%993
Net loans and leases to core deposits93.3924%1,324
Total domestic deposits to total assets78.5100%4,043
Equity capital to assets9.4687%2,036
Core capital (leverage) ratio11.1524%1,716
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7734%1,700
Memoranda:
Average total assets$390,889,4002,056
Average earning assets$361,378,8002,063
Average equity$38,954,4001,955
Average total loans$282,705,0001,800
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5518%464
Cost of funding earning assets0.4282%1,106
Net interest margin4.1236%491
Noninterest income to average assets0.7900%1,046
Noninterest expense to average assets3.3994%524
Loan and lease loss provision to assets0.2800%264
Net operating income to assets0.9172%2,810
Return on assets (ROA)0.9307%2,724
Pretax return on assets0.9307%3,236
Return on Equity (ROE)9.2200%2,965
Retained earnings to average equity (ytd only)4.3672%3,331
Net charge-offs to loans0.0673%821
Credit loss provision to net charge-offs585.1064%562
Earnings coverage of net charge-offs (x)24.6879%1,622
Efficiency ratio73.8762%1,289
Assets per employee ($millions)3.8218%4,390
Cash dividends to net income (ytd only)*52.6160%1,088
Condition Ratios (%)
Loss allowance to loans1.1822%2,624
Loan loss allowance to noncurrent loans173.2698%2,865
Noncurrent assets plus other real estate owned to assets0.6661%789
Noncurrent loans to loans0.6823%1,196
Net loans and leases to total assets71.9700%1,303
Net loans and leases to deposits88.8686%973
Net loans and leases to core deposits91.1996%1,218
Total domestic deposits to total assets80.9800%3,984
Equity capital to assets9.1484%2,119
Core capital (leverage) ratio10.8461%1,850
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3391%1,925
Memoranda:
Average total assets$386,097,7502,096
Average earning assets$356,831,5002,092
Average equity$38,986,2501,984
Average total loans$279,419,7501,812
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3447%489
Cost of funding earning assets0.3890%990
Net interest margin3.9557%549
Noninterest income to average assets0.7737%1,117
Noninterest expense to average assets3.4302%463
Loan and lease loss provision to assets0.3291%192
Net operating income to assets0.6761%3,390
Return on assets (ROA)0.6965%3,275
Pretax return on assets0.6965%3,584
Return on Equity (ROE)6.6777%3,403
Retained earnings to average equity (ytd only)2.1538%3,710
Net charge-offs to loans0.1112%543
Credit loss provision to net charge-offs409.8039%694
Earnings coverage of net charge-offs (x)12.5163%1,706
Efficiency ratio77.3373%1,142
Assets per employee ($millions)3.9568%4,386
Cash dividends to net income (ytd only)*67.7468%873
Condition Ratios (%)
Loss allowance to loans1.1087%3,130
Loan loss allowance to noncurrent loans231.1966%2,487
Noncurrent assets plus other real estate owned to assets0.4802%1,184
Noncurrent loans to loans0.4795%1,678
Net loans and leases to total assets72.4514%1,058
Net loans and leases to deposits89.9880%721
Net loans and leases to core deposits93.1035%967
Total domestic deposits to total assets80.5123%4,179
Equity capital to assets9.4149%2,085
Core capital (leverage) ratio10.6781%1,810
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8971%2,102
Memoranda:
Average total assets$381,032,3332,122
Average earning assets$352,704,6672,128
Average equity$39,744,3332,003
Average total loans$275,141,6671,827
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2765%458
Cost of funding earning assets0.3880%934
Net interest margin3.8885%517
Noninterest income to average assets0.7629%1,140
Noninterest expense to average assets3.5466%406
Loan and lease loss provision to assets0.3540%164
Net operating income to assets0.4638%3,801
Return on assets (ROA)0.5057%3,667
Pretax return on assets0.5057%3,864
Return on Equity (ROE)4.6074%3,729
Retained earnings to average equity (ytd only)0.1961%3,981
Net charge-offs to loans0.0315%987
Credit loss provision to net charge-offs1,566.6667%251
Earnings coverage of net charge-offs (x)36.1905%1,047
Efficiency ratio81.2623%1,047
Assets per employee ($millions)3.9215%4,432
Cash dividends to net income (ytd only)*95.7447%558
Condition Ratios (%)
Loss allowance to loans1.1154%3,263
Loan loss allowance to noncurrent loans181.5448%2,734
Noncurrent assets plus other real estate owned to assets0.5019%1,193
Noncurrent loans to loans0.6144%1,522
Net loans and leases to total assets71.7583%856
Net loans and leases to deposits89.4496%541
Net loans and leases to core deposits92.6796%791
Total domestic deposits to total assets80.2220%4,271
Equity capital to assets10.3415%1,664
Core capital (leverage) ratio11.0126%1,510
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6165%1,947
Memoranda:
Average total assets$371,732,5002,164
Average earning assets$344,296,5002,170
Average equity$40,804,0002,024
Average total loans$266,320,0001,850
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6622%451
Cost of funding earning assets0.4618%1,115
Net interest margin4.2004%491
Noninterest income to average assets0.8355%1,357
Noninterest expense to average assets3.2459%680
Loan and lease loss provision to assets0.1552%765
Net operating income to assets1.3320%1,510
Return on assets (ROA)1.3345%1,535
Pretax return on assets1.3345%2,255
Return on Equity (ROE)11.1233%2,123
Retained earnings to average equity (ytd only)2.9815%3,637
Net charge-offs to loans0.1346%688
Credit loss provision to net charge-offs161.6519%1,447
Earnings coverage of net charge-offs (x)15.4897%2,002
Efficiency ratio68.5795%1,908
Assets per employee ($millions)3.8219%4,488
Cash dividends to net income (ytd only)*73.1961%655
Condition Ratios (%)
Loss allowance to loans1.0803%3,442
Loan loss allowance to noncurrent loans160.3239%2,885
Noncurrent assets plus other real estate owned to assets0.4762%1,392
Noncurrent loans to loans0.6738%1,485
Net loans and leases to total assets69.9105%1,054
Net loans and leases to deposits87.5230%676
Net loans and leases to core deposits90.5365%949
Total domestic deposits to total assets79.8767%4,232
Equity capital to assets11.6422%1,432
Core capital (leverage) ratio11.4444%1,317
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6758%1,620
Memoranda:
Average total assets$353,091,2002,180
Average earning assets$327,632,8002,199
Average equity$42,361,6002,005
Average total loans$251,894,6001,918
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7611%435
Cost of funding earning assets0.4840%1,138
Net interest margin4.2771%474
Noninterest income to average assets0.8066%1,504
Noninterest expense to average assets3.2029%706
Loan and lease loss provision to assets0.1378%829
Net operating income to assets1.4318%1,442
Return on assets (ROA)1.4318%1,509
Pretax return on assets1.4318%2,208
Return on Equity (ROE)11.8437%2,099
Retained earnings to average equity (ytd only)7.3925%2,272
Net charge-offs to loans0.1590%528
Credit loss provision to net charge-offs121.0702%1,463
Earnings coverage of net charge-offs (x)13.8027%1,911
Efficiency ratio67.1129%1,954
Assets per employee ($millions)3.9238%4,490
Cash dividends to net income (ytd only)*37.5830%1,727
Condition Ratios (%)
Loss allowance to loans1.0476%3,677
Loan loss allowance to noncurrent loans171.1213%2,743
Noncurrent assets plus other real estate owned to assets0.4159%1,800
Noncurrent loans to loans0.6122%1,779
Net loans and leases to total assets67.2245%1,408
Net loans and leases to deposits84.4378%933
Net loans and leases to core deposits87.6671%1,174
Total domestic deposits to total assets79.6143%4,281
Equity capital to assets11.8299%1,477
Core capital (leverage) ratio11.8614%1,217
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5444%1,466
Memoranda:
Average total assets$350,594,7502,217
Average earning assets$325,073,0002,230
Average equity$42,384,5002,027
Average total loans$250,718,0001,953
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6892%539
Cost of funding earning assets0.5043%1,168
Net interest margin4.1849%596
Noninterest income to average assets0.7976%1,539
Noninterest expense to average assets3.2010%717
Loan and lease loss provision to assets0.0848%1,445
Net operating income to assets1.3997%1,569
Return on assets (ROA)1.3997%1,636
Pretax return on assets1.3997%2,343
Return on Equity (ROE)11.4896%2,242
Retained earnings to average equity (ytd only)6.9576%2,447
Net charge-offs to loans0.2297%377
Credit loss provision to net charge-offs50.6944%1,601
Earnings coverage of net charge-offs (x)8.8785%1,860
Efficiency ratio68.3187%1,839
Assets per employee ($millions)3.7613%4,575
Cash dividends to net income (ytd only)*39.4442%1,642
Condition Ratios (%)
Loss allowance to loans0.9509%3,994
Loan loss allowance to noncurrent loans194.3018%2,503
Noncurrent assets plus other real estate owned to assets0.3562%2,172
Noncurrent loans to loans0.4894%2,214
Net loans and leases to total assets72.0924%956
Net loans and leases to deposits89.4900%677
Net loans and leases to core deposits92.8782%956
Total domestic deposits to total assets80.5592%4,147
Equity capital to assets12.2218%1,261
Core capital (leverage) ratio12.1959%1,018
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2273%1,554
Memoranda:
Average total assets$344,514,0002,231
Average earning assets$320,053,3332,241
Average equity$41,968,3332,036
Average total loans$250,766,0001,957
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6406%613
Cost of funding earning assets0.5445%1,140
Net interest margin4.0960%723
Noninterest income to average assets0.7090%1,849
Noninterest expense to average assets3.1568%767
Loan and lease loss provision to assets0.0515%2,073
Net operating income to assets1.3116%1,789
Return on assets (ROA)1.3116%1,871
Pretax return on assets1.3116%2,535
Return on Equity (ROE)10.7849%2,427
Retained earnings to average equity (ytd only)6.3594%2,775
Net charge-offs to loans0.0273%1,221
Credit loss provision to net charge-offs258.8235%805
Earnings coverage of net charge-offs (x)68.5294%764
Efficiency ratio69.8421%1,725
Assets per employee ($millions)3.7143%4,617
Cash dividends to net income (ytd only)*41.0348%1,360
Condition Ratios (%)
Loss allowance to loans1.0379%3,698
Loan loss allowance to noncurrent loans380.3231%1,453
Noncurrent assets plus other real estate owned to assets0.1971%3,180
Noncurrent loans to loans0.2729%3,126
Net loans and leases to total assets71.4929%1,094
Net loans and leases to deposits87.1565%879
Net loans and leases to core deposits90.9998%1,170
Total domestic deposits to total assets82.0282%3,889
Equity capital to assets12.0444%1,260
Core capital (leverage) ratio12.0498%1,150
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3719%1,452
Memoranda:
Average total assets$341,870,5002,228
Average earning assets$318,063,5002,227
Average equity$41,576,5002,034
Average total loans$248,848,5001,971
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8601%656
Cost of funding earning assets0.7671%1,360
Net interest margin4.0930%797
Noninterest income to average assets0.7880%1,567
Noninterest expense to average assets3.2620%951
Loan and lease loss provision to assets0.0293%4,032
Net operating income to assets1.3038%1,239
Return on assets (ROA)1.3331%1,261
Pretax return on assets1.3331%1,872
Return on Equity (ROE)10.7226%1,734
Retained earnings to average equity (ytd only)5.3735%2,108
Net charge-offs to loans0.0250%2,543
Credit loss provision to net charge-offs162.7119%2,359
Earnings coverage of net charge-offs (x)74.0678%939
Efficiency ratio70.9885%1,812
Assets per employee ($millions)3.7590%4,528
Cash dividends to net income (ytd only)*49.8856%1,847
Condition Ratios (%)
Loss allowance to loans1.0324%3,748
Loan loss allowance to noncurrent loans228.5459%2,123
Noncurrent assets plus other real estate owned to assets0.3314%2,664
Noncurrent loans to loans0.4517%2,617
Net loans and leases to total assets72.5921%1,212
Net loans and leases to deposits89.1216%994
Net loans and leases to core deposits93.2808%1,287
Total domestic deposits to total assets81.4529%3,769
Equity capital to assets12.2810%1,432
Core capital (leverage) ratio11.9310%1,266
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0278%1,517
Memoranda:
Average total assets$327,803,6002,147
Average earning assets$304,911,0002,146
Average equity$40,755,2001,998
Average total loans$236,296,2001,992
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8621%791
Cost of funding earning assets0.8116%1,437
Net interest margin4.0505%1,007
Noninterest income to average assets0.7893%1,535
Noninterest expense to average assets3.2281%1,026
Loan and lease loss provision to assets0.0394%3,855
Net operating income to assets1.2871%1,385
Return on assets (ROA)1.3264%1,379
Pretax return on assets1.3264%1,950
Return on Equity (ROE)10.6350%1,806
Retained earnings to average equity (ytd only)10.6350%646
Net charge-offs to loans0.0189%2,481
Credit loss provision to net charge-offs290.9091%1,797
Earnings coverage of net charge-offs (x)98.0303%800
Efficiency ratio70.8768%1,765
Assets per employee ($millions)3.7651%4,504
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.0942%3,239
Loan loss allowance to noncurrent loans413.4185%1,233
Noncurrent assets plus other real estate owned to assets0.1847%3,506
Noncurrent loans to loans0.2647%3,343
Net loans and leases to total assets69.0379%2,104
Net loans and leases to deposits86.2566%1,667
Net loans and leases to core deposits90.9554%1,889
Total domestic deposits to total assets80.0378%3,856
Equity capital to assets12.5779%1,386
Core capital (leverage) ratio12.3300%1,188
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9805%1,252
Memoranda:
Average total assets$325,176,7502,143
Average earning assets$302,278,5002,138
Average equity$40,557,0001,988
Average total loans$233,333,0002,010
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9746%870
Cost of funding earning assets0.8574%1,563
Net interest margin4.1171%1,079
Noninterest income to average assets0.7629%1,541
Noninterest expense to average assets3.2812%1,026
Loan and lease loss provision to assets0.0599%3,555
Net operating income to assets1.2439%1,510
Return on assets (ROA)1.2439%1,628
Pretax return on assets1.2439%2,204
Return on Equity (ROE)10.0028%1,982
Retained earnings to average equity (ytd only)10.0028%787
Net charge-offs to loans0.0267%2,189
Credit loss provision to net charge-offs309.6774%1,595
Earnings coverage of net charge-offs (x)67.4194%899
Efficiency ratio71.5646%1,751
Assets per employee ($millions)4.0573%4,250
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.0821%3,160
Loan loss allowance to noncurrent loans147.4104%2,624
Noncurrent assets plus other real estate owned to assets0.5217%2,266
Noncurrent loans to loans0.7340%2,041
Net loans and leases to total assets70.3073%1,986
Net loans and leases to deposits87.7894%1,580
Net loans and leases to core deposits92.1437%1,892
Total domestic deposits to total assets80.0864%3,818
Equity capital to assets12.3013%1,477
Core capital (leverage) ratio12.0155%1,368
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6036%1,340
Memoranda:
Average total assets$320,617,0002,145
Average earning assets$297,633,3332,137
Average equity$39,869,0002,007
Average total loans$232,268,3331,999
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1763%689
Cost of funding earning assets0.8818%1,960
Net interest margin4.2944%766
Noninterest income to average assets0.7768%1,375
Noninterest expense to average assets3.3723%1,110
Loan and lease loss provision to assets0.1229%2,157
Net operating income to assets1.2581%1,360
Return on assets (ROA)1.2581%1,461
Pretax return on assets1.2581%2,006
Return on Equity (ROE)10.0587%1,729
Retained earnings to average equity (ytd only)10.0587%737
Net charge-offs to loans0.0245%1,876
Credit loss provision to net charge-offs685.7143%735
Earnings coverage of net charge-offs (x)77.0714%686
Efficiency ratio70.9478%2,227
Assets per employee ($millions)3.7902%4,182
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1084%3,156
Loan loss allowance to noncurrent loans102.9214%3,199
Noncurrent assets plus other real estate owned to assets0.7862%1,724
Noncurrent loans to loans1.0769%1,543
Net loans and leases to total assets72.1977%1,891
Net loans and leases to deposits91.4138%1,351
Net loans and leases to core deposits95.7449%1,817
Total domestic deposits to total assets78.9790%4,058
Equity capital to assets12.2655%1,871
Core capital (leverage) ratio12.6965%1,343
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4865%1,475
Memoranda:
Average total assets$312,545,5002,142
Average earning assets$289,397,0002,142
Average equity$39,090,5002,020
Average total loans$228,724,0001,995
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2767%856
Cost of funding earning assets0.9624%1,894
Net interest margin4.3142%1,066
Noninterest income to average assets0.7873%1,485
Noninterest expense to average assets3.3855%1,139
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.3871%1,385
Return on assets (ROA)1.4165%1,362
Pretax return on assets1.4165%2,095
Return on Equity (ROE)10.8774%1,938
Retained earnings to average equity (ytd only)-2.5597%4,896
Net charge-offs to loans0.0964%1,759
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)19.5607%1,991
Efficiency ratio70.9366%2,032
Assets per employee ($millions)3.5638%4,417
Cash dividends to net income (ytd only)*123.5322%165
Condition Ratios (%)
Loss allowance to loans1.1361%2,762
Loan loss allowance to noncurrent loans279.9335%1,613
Noncurrent assets plus other real estate owned to assets0.2978%3,247
Noncurrent loans to loans0.4059%2,984
Net loans and leases to total assets72.5327%2,005
Net loans and leases to deposits89.5424%1,643
Net loans and leases to core deposits93.9589%2,064
Total domestic deposits to total assets81.0037%3,770
Equity capital to assets12.7641%1,669
Core capital (leverage) ratio12.6054%1,427
Tier 1 risk-based capital ratio15.8579%2,454
Total risk-based capital ratio16.9059%2,461
Memoranda:
Average total assets$301,790,2002,158
Average earning assets$278,774,0002,153
Average equity$39,301,8001,971
Average total loans$221,954,8002,018
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2961%869
Cost of funding earning assets0.9804%1,844
Net interest margin4.3158%1,132
Noninterest income to average assets0.7739%1,509
Noninterest expense to average assets3.2892%1,296
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.4677%1,280
Return on assets (ROA)1.5031%1,234
Pretax return on assets1.5031%1,944
Return on Equity (ROE)11.4846%1,809
Retained earnings to average equity (ytd only)-6.3555%5,095
Net charge-offs to loans0.0955%1,517
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)20.8747%1,937
Efficiency ratio69.1457%2,235
Assets per employee ($millions)3.5545%4,446
Cash dividends to net income (ytd only)*155.3396%105
Condition Ratios (%)
Loss allowance to loans1.1753%2,638
Loan loss allowance to noncurrent loans230.4464%1,877
Noncurrent assets plus other real estate owned to assets0.3707%3,021
Noncurrent loans to loans0.5100%2,763
Net loans and leases to total assets71.8315%2,201
Net loans and leases to deposits88.7491%1,836
Net loans and leases to core deposits93.0580%2,261
Total domestic deposits to total assets80.9377%3,779
Equity capital to assets12.5345%1,891
Core capital (leverage) ratio12.2928%1,685
Tier 1 risk-based capital ratio15.5156%2,638
Total risk-based capital ratio16.5883%2,629
Memoranda:
Average total assets$301,506,0002,174
Average earning assets$278,258,7502,174
Average equity$39,460,7501,967
Average total loans$221,882,0002,027
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2063%972
Cost of funding earning assets0.9828%1,779
Net interest margin4.2235%1,307
Noninterest income to average assets0.7501%1,524
Noninterest expense to average assets3.2792%1,322
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.3761%1,496
Return on assets (ROA)1.4292%1,394
Pretax return on assets1.4292%2,103
Return on Equity (ROE)10.7675%2,068
Retained earnings to average equity (ytd only)6.4965%2,053
Net charge-offs to loans0.1401%1,090
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)13.2885%2,108
Efficiency ratio70.4406%2,160
Assets per employee ($millions)3.7668%4,163
Cash dividends to net income (ytd only)*39.6656%2,222
Condition Ratios (%)
Loss allowance to loans1.1544%2,768
Loan loss allowance to noncurrent loans336.3281%1,411
Noncurrent assets plus other real estate owned to assets0.3664%3,063
Noncurrent loans to loans0.3433%3,318
Net loans and leases to total assets72.4858%2,150
Net loans and leases to deposits90.7438%1,663
Net loans and leases to core deposits95.3095%2,129
Total domestic deposits to total assets79.8796%4,064
Equity capital to assets13.4290%1,360
Core capital (leverage) ratio13.4154%1,148
Tier 1 risk-based capital ratio16.7580%2,157
Total risk-based capital ratio17.8265%2,161
Memoranda:
Average total assets$301,296,3302,178
Average earning assets$278,586,3302,174
Average equity$39,990,6701,931
Average total loans$222,639,6702,033
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2053%904
Cost of funding earning assets0.9787%1,657
Net interest margin4.2266%1,247
Noninterest income to average assets0.7308%1,499
Noninterest expense to average assets3.1758%1,557
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4670%1,190
Return on assets (ROA)1.4670%1,219
Pretax return on assets1.4670%1,873
Return on Equity (ROE)11.1191%1,904
Retained earnings to average equity (ytd only)6.9976%2,044
Net charge-offs to loans-0.0684%4,921
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.4029%2,584
Assets per employee ($millions)3.6473%4,408
Cash dividends to net income (ytd only)*37.0674%2,009
Condition Ratios (%)
Loss allowance to loans1.2244%2,452
Loan loss allowance to noncurrent loans267.7419%1,729
Noncurrent assets plus other real estate owned to assets0.3379%3,250
Noncurrent loans to loans0.4573%2,944
Net loans and leases to total assets72.9896%1,984
Net loans and leases to deposits91.4773%1,459
Net loans and leases to core deposits95.8590%1,938
Total domestic deposits to total assets79.7898%4,204
Equity capital to assets13.2183%1,340
Core capital (leverage) ratio13.4254%1,111
Tier 1 risk-based capital ratio16.4699%2,279
Total risk-based capital ratio17.5927%2,266
Memoranda:
Average total assets$299,390,5002,198
Average earning assets$277,103,0002,196
Average equity$39,499,5001,944
Average total loans$222,088,0002,054
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9772%1,102
Cost of funding earning assets0.7837%1,617
Net interest margin4.1935%1,408
Noninterest income to average assets0.6904%1,885
Noninterest expense to average assets3.2848%1,360
Loan and lease loss provision to assets0.0973%2,223
Net operating income to assets1.2076%2,133
Return on assets (ROA)1.2076%2,128
Pretax return on assets1.2076%2,852
Return on Equity (ROE)9.5583%2,720
Retained earnings to average equity (ytd only)8.7321%963
Net charge-offs to loans0.0159%3,156
Credit loss provision to net charge-offs820.0000%440
Earnings coverage of net charge-offs (x)110.0000%693
Efficiency ratio71.5699%1,960
Assets per employee ($millions)3.4030%4,656
Cash dividends to net income (ytd only)*8.6444%3,865
Condition Ratios (%)
Loss allowance to loans1.2423%2,342
Loan loss allowance to noncurrent loans477.1777%1,137
Noncurrent assets plus other real estate owned to assets0.2118%3,762
Noncurrent loans to loans0.2603%3,645
Net loans and leases to total assets73.5470%2,002
Net loans and leases to deposits92.4767%1,480
Net loans and leases to core deposits97.1646%1,955
Total domestic deposits to total assets79.5303%4,209
Equity capital to assets13.1677%1,271
Core capital (leverage) ratio13.2410%1,164
Tier 1 risk-based capital ratio16.5717%2,216
Total risk-based capital ratio17.7213%2,186
Memoranda:
Average total assets$295,057,4002,186
Average earning assets$274,353,2002,167
Average equity$37,276,4001,970
Average total loans$220,706,0002,017
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8866%1,195
Cost of funding earning assets0.7307%1,680
Net interest margin4.1559%1,480
Noninterest income to average assets0.6635%2,012
Noninterest expense to average assets3.2789%1,347
Loan and lease loss provision to assets0.1230%1,638
Net operating income to assets1.1252%2,554
Return on assets (ROA)1.1252%2,564
Pretax return on assets1.1252%3,293
Return on Equity (ROE)9.0022%3,088
Retained earnings to average equity (ytd only)9.0022%1,216
Net charge-offs to loans0.0109%3,032
Credit loss provision to net charge-offs1,511.1111%266
Earnings coverage of net charge-offs (x)153.3296%538
Efficiency ratio72.4276%1,822
Assets per employee ($millions)3.5274%4,522
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.1932%2,661
Loan loss allowance to noncurrent loans473.7847%1,145
Noncurrent assets plus other real estate owned to assets0.2073%3,908
Noncurrent loans to loans0.2518%3,786
Net loans and leases to total assets74.4964%1,901
Net loans and leases to deposits95.0109%1,271
Net loans and leases to core deposits99.8105%1,809
Total domestic deposits to total assets78.4083%4,417
Equity capital to assets12.5107%1,579
Core capital (leverage) ratio12.9481%1,307
Tier 1 risk-based capital ratio15.7864%2,533
Total risk-based capital ratio16.8991%2,524
Memoranda:
Average total assets$294,807,5002,199
Average earning assets$274,076,2502,179
Average equity$36,849,5001,990
Average total loans$220,762,5002,023
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8182%1,201
Cost of funding earning assets0.6824%1,723
Net interest margin4.1358%1,458
Noninterest income to average assets0.6439%2,121
Noninterest expense to average assets3.3525%1,213
Loan and lease loss provision to assets0.0671%2,548
Net operating income to assets1.0686%2,719
Return on assets (ROA)1.0686%2,721
Pretax return on assets1.0686%3,438
Return on Equity (ROE)8.5522%3,231
Retained earnings to average equity (ytd only)8.5522%1,377
Net charge-offs to loans0.0156%2,618
Credit loss provision to net charge-offs576.4706%646
Earnings coverage of net charge-offs (x)97.5294%705
Efficiency ratio74.6947%1,609
Assets per employee ($millions)3.5011%4,594
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1453%3,007
Loan loss allowance to noncurrent loans427.2879%1,255
Noncurrent assets plus other real estate owned to assets0.2198%3,903
Noncurrent loans to loans0.2680%3,751
Net loans and leases to total assets74.4843%1,869
Net loans and leases to deposits93.3246%1,434
Net loans and leases to core deposits98.5778%1,851
Total domestic deposits to total assets79.8120%4,274
Equity capital to assets12.4690%1,552
Core capital (leverage) ratio12.8834%1,282
Tier 1 risk-based capital ratio15.7300%2,544
Total risk-based capital ratio16.7990%2,555
Memoranda:
Average total assets$291,957,6702,218
Average earning assets$271,387,6702,201
Average equity$36,482,0002,014
Average total loans$218,110,3302,052
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7356%1,221
Cost of funding earning assets0.6612%1,651
Net interest margin4.0744%1,504
Noninterest income to average assets0.6212%2,165
Noninterest expense to average assets3.3105%1,328
Loan and lease loss provision to assets0.0083%3,409
Net operating income to assets1.0874%2,484
Return on assets (ROA)1.0874%2,500
Pretax return on assets1.0874%3,217
Return on Equity (ROE)8.6924%3,068
Retained earnings to average equity (ytd only)8.6924%1,581
Net charge-offs to loans-0.0205%4,572
Credit loss provision to net charge-offs-54.5455%3,630
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1334%1,726
Assets per employee ($millions)3.2729%4,929
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1551%3,069
Loan loss allowance to noncurrent loans352.6761%1,461
Noncurrent assets plus other real estate owned to assets0.2527%3,858
Noncurrent loans to loans0.3275%3,594
Net loans and leases to total assets73.5628%1,932
Net loans and leases to deposits91.8489%1,470
Net loans and leases to core deposits96.9759%1,907
Total domestic deposits to total assets80.0910%4,400
Equity capital to assets12.4791%1,495
Core capital (leverage) ratio12.9811%1,185
Tier 1 risk-based capital ratio16.0763%2,433
Total risk-based capital ratio17.1638%2,451
Memoranda:
Average total assets$289,140,0002,253
Average earning assets$268,602,0002,240
Average equity$36,169,5002,031
Average total loans$215,051,5002,082
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6691%1,262
Cost of funding earning assets0.6844%1,113
Net interest margin3.9847%1,795
Noninterest income to average assets0.6477%2,209
Noninterest expense to average assets2.9210%2,386
Loan and lease loss provision to assets0.1146%1,984
Net operating income to assets1.3295%1,165
Return on assets (ROA)1.3281%1,184
Pretax return on assets1.3281%2,257
Return on Equity (ROE)11.1854%1,409
Retained earnings to average equity (ytd only)5.8078%1,652
Net charge-offs to loans0.4670%510
Credit loss provision to net charge-offs32.7853%3,512
Earnings coverage of net charge-offs (x)4.1296%3,513
Efficiency ratio66.9172%3,094
Assets per employee ($millions)3.3764%4,852
Cash dividends to net income (ytd only)*48.0774%2,409
Condition Ratios (%)
Loss allowance to loans1.1607%3,003
Loan loss allowance to noncurrent loans316.2197%1,599
Noncurrent assets plus other real estate owned to assets0.2728%3,796
Noncurrent loans to loans0.3671%3,445
Net loans and leases to total assets73.4667%2,009
Net loans and leases to deposits92.1904%1,495
Net loans and leases to core deposits98.6248%1,817
Total domestic deposits to total assets79.6902%4,398
Equity capital to assets12.5400%1,493
Core capital (leverage) ratio12.6944%1,267
Tier 1 risk-based capital ratio15.9284%2,458
Total risk-based capital ratio17.0170%2,465
Memoranda:
Average total assets$295,683,2002,192
Average earning assets$275,855,6002,179
Average equity$35,108,2002,075
Average total loans$221,392,0001,990
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5855%1,408
Cost of funding earning assets0.6944%989
Net interest margin3.8910%2,072
Noninterest income to average assets0.6392%2,256
Noninterest expense to average assets2.8546%2,553
Loan and lease loss provision to assets0.1517%1,369
Net operating income to assets1.2672%1,446
Return on assets (ROA)1.2655%1,481
Pretax return on assets1.2655%2,647
Return on Equity (ROE)10.8038%1,776
Retained earnings to average equity (ytd only)7.0242%1,679
Net charge-offs to loans0.6105%321
Credit loss provision to net charge-offs33.1378%3,060
Earnings coverage of net charge-offs (x)3.0987%3,378
Efficiency ratio66.7959%3,082
Assets per employee ($millions)3.5516%4,650
Cash dividends to net income (ytd only)*34.9840%2,518
Condition Ratios (%)
Loss allowance to loans1.1339%3,285
Loan loss allowance to noncurrent loans392.2956%1,290
Noncurrent assets plus other real estate owned to assets0.2211%4,181
Noncurrent loans to loans0.2890%3,903
Net loans and leases to total assets75.6220%1,655
Net loans and leases to deposits95.2232%1,179
Net loans and leases to core deposits102.6984%1,489
Total domestic deposits to total assets79.4155%4,455
Equity capital to assets12.5182%1,651
Core capital (leverage) ratio12.2835%1,523
Tier 1 risk-based capital ratio15.7221%2,615
Total risk-based capital ratio16.8108%2,629
Memoranda:
Average total assets$297,855,5002,195
Average earning assets$278,205,7502,180
Average equity$34,888,0002,089
Average total loans$223,409,7501,983
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5036%1,506
Cost of funding earning assets0.6872%954
Net interest margin3.8164%2,230
Noninterest income to average assets0.6400%2,254
Noninterest expense to average assets2.8077%2,731
Loan and lease loss provision to assets0.2251%774
Net operating income to assets1.1764%1,681
Return on assets (ROA)1.1751%1,724
Pretax return on assets1.1751%2,874
Return on Equity (ROE)10.2569%1,932
Retained earnings to average equity (ytd only)6.5134%1,837
Net charge-offs to loans0.2423%841
Credit loss provision to net charge-offs124.6324%1,740
Earnings coverage of net charge-offs (x)7.7610%2,575
Efficiency ratio66.7035%3,226
Assets per employee ($millions)3.6360%4,526
Cash dividends to net income (ytd only)*36.4972%2,497
Condition Ratios (%)
Loss allowance to loans1.1489%3,322
Loan loss allowance to noncurrent loans207.6237%2,169
Noncurrent assets plus other real estate owned to assets0.4344%3,375
Noncurrent loans to loans0.5533%3,079
Net loans and leases to total assets72.9881%2,044
Net loans and leases to deposits91.8488%1,517
Net loans and leases to core deposits99.1470%1,714
Total domestic deposits to total assets79.4655%4,520
Equity capital to assets11.7019%2,148
Core capital (leverage) ratio11.7910%1,774
Tier 1 risk-based capital ratio15.1897%2,844
Total risk-based capital ratio16.2908%2,849
Memoranda:
Average total assets$301,248,3302,182
Average earning assets$281,730,6702,168
Average equity$34,513,3302,109
Average total loans$224,532,3301,980
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4510%1,497
Cost of funding earning assets0.6807%922
Net interest margin3.7703%2,221
Noninterest income to average assets0.6552%2,153
Noninterest expense to average assets2.7843%2,843
Loan and lease loss provision to assets0.2525%587
Net operating income to assets1.1443%1,695
Return on assets (ROA)1.1416%1,743
Pretax return on assets1.1416%2,815
Return on Equity (ROE)10.0726%1,936
Retained earnings to average equity (ytd only)6.0506%2,305
Net charge-offs to loans0.4046%451
Credit loss provision to net charge-offs83.3333%1,732
Earnings coverage of net charge-offs (x)4.6096%2,369
Efficiency ratio66.5925%3,398
Assets per employee ($millions)3.6532%4,570
Cash dividends to net income (ytd only)*39.9302%2,005
Condition Ratios (%)
Loss allowance to loans1.0749%3,856
Loan loss allowance to noncurrent loans195.7689%2,303
Noncurrent assets plus other real estate owned to assets0.4363%3,446
Noncurrent loans to loans0.5490%3,169
Net loans and leases to total assets73.9198%1,754
Net loans and leases to deposits92.9057%1,233
Net loans and leases to core deposits100.7636%1,456
Total domestic deposits to total assets79.5643%4,703
Equity capital to assets11.4897%2,188
Core capital (leverage) ratio11.5713%1,900
Tier 1 risk-based capital ratio14.8990%3,013
Total risk-based capital ratio15.9318%3,051
Memoranda:
Average total assets$300,978,0002,206
Average earning assets$281,465,0002,184
Average equity$34,112,5002,139
Average total loans$225,383,5001,982
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4928%1,554
Cost of funding earning assets0.6371%1,126
Net interest margin3.8557%2,112
Noninterest income to average assets0.6426%2,452
Noninterest expense to average assets2.8663%2,791
Loan and lease loss provision to assets0.2148%1,041
Net operating income to assets1.1639%1,631
Return on assets (ROA)1.1562%1,761
Pretax return on assets1.1562%2,868
Return on Equity (ROE)9.7500%2,080
Retained earnings to average equity (ytd only)4.5264%2,683
Net charge-offs to loans0.1841%1,503
Credit loss provision to net charge-offs155.9796%1,763
Earnings coverage of net charge-offs (x)10.0127%2,692
Efficiency ratio67.5223%3,342
Assets per employee ($millions)3.5999%4,609
Cash dividends to net income (ytd only)*53.5758%2,100
Condition Ratios (%)
Loss allowance to loans1.4031%2,060
Loan loss allowance to noncurrent loans1,192.5094%523
Noncurrent assets plus other real estate owned to assets0.1240%4,816
Noncurrent loans to loans0.1177%4,766
Net loans and leases to total assets73.9901%1,854
Net loans and leases to deposits93.3218%1,265
Net loans and leases to core deposits101.1963%1,517
Total domestic deposits to total assets79.2848%4,724
Equity capital to assets11.1795%2,441
Core capital (leverage) ratio11.5543%1,891
Tier 1 risk-based capital ratio14.2721%3,302
Total risk-based capital ratio15.5231%3,231
Memoranda:
Average total assets$285,417,2002,245
Average earning assets$266,670,2002,242
Average equity$33,846,2002,142
Average total loans$213,438,8002,018
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4851%1,590
Cost of funding earning assets0.6237%1,180
Net interest margin3.8614%2,110
Noninterest income to average assets0.7156%2,097
Noninterest expense to average assets2.8902%2,669
Loan and lease loss provision to assets0.1631%1,410
Net operating income to assets1.2675%1,391
Return on assets (ROA)1.2571%1,532
Pretax return on assets1.2571%2,592
Return on Equity (ROE)10.4400%1,894
Retained earnings to average equity (ytd only)6.3049%2,005
Net charge-offs to loans0.1104%1,838
Credit loss provision to net charge-offs197.7011%1,452
Earnings coverage of net charge-offs (x)17.3394%2,056
Efficiency ratio66.8898%3,444
Assets per employee ($millions)3.6791%4,514
Cash dividends to net income (ytd only)*39.6078%2,372
Condition Ratios (%)
Loss allowance to loans1.4228%2,095
Loan loss allowance to noncurrent loans342.5137%1,450
Noncurrent assets plus other real estate owned to assets0.3762%3,914
Noncurrent loans to loans0.4154%3,788
Net loans and leases to total assets71.9727%2,200
Net loans and leases to deposits93.5595%1,308
Net loans and leases to core deposits99.8368%1,648
Total domestic deposits to total assets76.9272%5,106
Equity capital to assets11.5001%2,515
Core capital (leverage) ratio11.7468%1,845
Tier 1 risk-based capital ratio14.7214%3,180
Total risk-based capital ratio15.9726%3,117
Memoranda:
Average total assets$281,173,5002,285
Average earning assets$262,523,5002,277
Average equity$33,856,2502,153
Average total loans$210,067,5002,053
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4824%1,572
Cost of funding earning assets0.6155%1,220
Net interest margin3.8669%2,097
Noninterest income to average assets0.7312%2,001
Noninterest expense to average assets2.9752%2,426
Loan and lease loss provision to assets0.1757%1,246
Net operating income to assets1.1898%1,641
Return on assets (ROA)1.1898%1,736
Pretax return on assets1.1898%2,819
Return on Equity (ROE)9.7209%2,170
Retained earnings to average equity (ytd only)5.4382%2,458
Net charge-offs to loans0.1597%1,375
Credit loss provision to net charge-offs146.0606%1,624
Earnings coverage of net charge-offs (x)11.3515%2,267
Efficiency ratio68.5422%3,236
Assets per employee ($millions)3.5654%4,659
Cash dividends to net income (ytd only)*44.0564%2,237
Condition Ratios (%)
Loss allowance to loans1.4154%2,224
Loan loss allowance to noncurrent loans289.5238%1,693
Noncurrent assets plus other real estate owned to assets0.4502%3,713
Noncurrent loans to loans0.4889%3,618
Net loans and leases to total assets74.2360%1,796
Net loans and leases to deposits94.6786%1,221
Net loans and leases to core deposits102.0788%1,464
Total domestic deposits to total assets78.4085%4,916
Equity capital to assets11.9750%2,143
Core capital (leverage) ratio11.9909%1,634
Tier 1 risk-based capital ratio14.8530%3,136
Total risk-based capital ratio16.1042%3,078
Memoranda:
Average total assets$274,336,6702,336
Average earning assets$256,070,0002,332
Average equity$33,577,0002,167
Average total loans$206,668,6702,083
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5154%1,467
Cost of funding earning assets0.6212%1,210
Net interest margin3.8943%1,951
Noninterest income to average assets0.7140%1,968
Noninterest expense to average assets2.9365%2,580
Loan and lease loss provision to assets0.2469%719
Net operating income to assets1.1678%1,651
Return on assets (ROA)1.1678%1,758
Pretax return on assets1.1678%2,827
Return on Equity (ROE)9.4330%2,222
Retained earnings to average equity (ytd only)5.2873%2,769
Net charge-offs to loans0.3021%712
Credit loss provision to net charge-offs108.4967%1,530
Earnings coverage of net charge-offs (x)6.2157%2,256
Efficiency ratio67.4872%3,548
Assets per employee ($millions)3.3534%5,046
Cash dividends to net income (ytd only)*43.9490%1,957
Condition Ratios (%)
Loss allowance to loans1.4450%2,224
Loan loss allowance to noncurrent loans594.2116%879
Noncurrent assets plus other real estate owned to assets0.2739%4,462
Noncurrent loans to loans0.2432%4,561
Net loans and leases to total assets74.7526%1,607
Net loans and leases to deposits94.6545%1,078
Net loans and leases to core deposits99.7152%1,507
Total domestic deposits to total assets78.9742%4,971
Equity capital to assets12.3724%1,771
Core capital (leverage) ratio12.2737%1,446
Tier 1 risk-based capital ratio15.3221%3,006
Total risk-based capital ratio16.5738%2,948
Memoranda:
Average total assets$268,891,0002,393
Average earning assets$251,138,0002,377
Average equity$33,287,5002,184
Average total loans$202,612,0002,118
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4792%1,665
Cost of funding earning assets0.6400%1,125
Net interest margin3.8392%2,236
Noninterest income to average assets0.7529%1,968
Noninterest expense to average assets3.0116%2,504
Loan and lease loss provision to assets0.0680%2,933
Net operating income to assets1.2702%1,341
Return on assets (ROA)1.2978%1,318
Pretax return on assets1.2978%2,295
Return on Equity (ROE)10.7296%1,719
Retained earnings to average equity (ytd only)6.1437%1,724
Net charge-offs to loans0.0572%3,078
Credit loss provision to net charge-offs165.1376%1,630
Earnings coverage of net charge-offs (x)32.5138%1,373
Efficiency ratio69.2361%3,356
Assets per employee ($millions)3.4565%4,902
Cash dividends to net income (ytd only)*42.7408%2,716
Condition Ratios (%)
Loss allowance to loans1.4880%2,065
Loan loss allowance to noncurrent loans436.5243%1,177
Noncurrent assets plus other real estate owned to assets0.2634%4,534
Noncurrent loans to loans0.3409%4,240
Net loans and leases to total assets73.7295%1,771
Net loans and leases to deposits96.1215%995
Net loans and leases to core deposits98.7361%1,612
Total domestic deposits to total assets76.7045%5,366
Equity capital to assets12.3868%1,679
Core capital (leverage) ratio12.2373%1,488
Tier 1 risk-based capital ratio15.6712%2,852
Total risk-based capital ratio16.9236%2,779
Memoranda:
Average total assets$264,842,6002,382
Average earning assets$248,123,8002,356
Average equity$32,033,0002,199
Average total loans$190,607,6002,153
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4377%1,792
Cost of funding earning assets0.6467%1,112
Net interest margin3.7910%2,422
Noninterest income to average assets0.7616%1,976
Noninterest expense to average assets3.0122%2,483
Loan and lease loss provision to assets0.0464%3,276
Net operating income to assets1.2546%1,469
Return on assets (ROA)1.2914%1,417
Pretax return on assets1.2914%2,426
Return on Equity (ROE)10.7421%1,809
Retained earnings to average equity (ytd only)6.8889%1,743
Net charge-offs to loans0.0601%2,739
Credit loss provision to net charge-offs108.2353%2,137
Earnings coverage of net charge-offs (x)30.3649%1,480
Efficiency ratio69.8376%3,233
Assets per employee ($millions)3.4788%4,830
Cash dividends to net income (ytd only)*35.8704%2,524
Condition Ratios (%)
Loss allowance to loans1.4930%2,191
Loan loss allowance to noncurrent loans828.5714%684
Noncurrent assets plus other real estate owned to assets0.1407%5,195
Noncurrent loans to loans0.1802%4,929
Net loans and leases to total assets71.4292%2,151
Net loans and leases to deposits91.0283%1,522
Net loans and leases to core deposits93.4212%2,135
Total domestic deposits to total assets78.4692%5,094
Equity capital to assets12.2097%1,951
Core capital (leverage) ratio11.9353%1,709
Tier 1 risk-based capital ratio15.9912%2,801
Total risk-based capital ratio17.2430%2,744
Memoranda:
Average total assets$264,514,7502,407
Average earning assets$247,809,2502,376
Average equity$31,799,2502,226
Average total loans$188,460,0002,185
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4255%1,771
Cost of funding earning assets0.6615%1,039
Net interest margin3.7640%2,461
Noninterest income to average assets0.7472%2,007
Noninterest expense to average assets3.0304%2,461
Loan and lease loss provision to assets0.0699%2,710
Net operating income to assets1.1724%1,687
Return on assets (ROA)1.1724%1,759
Pretax return on assets1.1724%2,889
Return on Equity (ROE)9.8041%2,156
Retained earnings to average equity (ytd only)6.0069%2,241
Net charge-offs to loans0.0504%2,704
Credit loss provision to net charge-offs195.7447%1,257
Earnings coverage of net charge-offs (x)34.8085%1,236
Efficiency ratio70.9259%3,175
Assets per employee ($millions)3.3660%5,044
Cash dividends to net income (ytd only)*38.7306%2,447
Condition Ratios (%)
Loss allowance to loans1.5362%2,134
Loan loss allowance to noncurrent loans284.9661%1,678
Noncurrent assets plus other real estate owned to assets0.4082%4,283
Noncurrent loans to loans0.5391%3,839
Net loans and leases to total assets72.6577%1,872
Net loans and leases to deposits91.6321%1,407
Net loans and leases to core deposits93.8567%1,971
Total domestic deposits to total assets79.2928%5,029
Equity capital to assets12.3200%1,790
Core capital (leverage) ratio11.9339%1,697
Tier 1 risk-based capital ratio15.9832%2,868
Total risk-based capital ratio17.2361%2,823
Memoranda:
Average total assets$263,397,0002,428
Average earning assets$246,704,3302,402
Average equity$31,497,0002,247
Average total loans$186,534,6702,213
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3955%1,785
Cost of funding earning assets0.6696%1,001
Net interest margin3.7260%2,527
Noninterest income to average assets0.6734%2,289
Noninterest expense to average assets2.8670%3,014
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.2941%1,291
Return on assets (ROA)1.2941%1,375
Pretax return on assets1.2941%2,307
Return on Equity (ROE)10.9847%1,644
Retained earnings to average equity (ytd only)6.8798%2,063
Net charge-offs to loans0.0391%2,441
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)47.7222%861
Efficiency ratio68.8993%3,679
Assets per employee ($millions)3.4910%4,913
Cash dividends to net income (ytd only)*37.3690%2,121
Condition Ratios (%)
Loss allowance to loans1.5612%2,184
Loan loss allowance to noncurrent loans4,872.8814%134
Noncurrent assets plus other real estate owned to assets0.0830%5,610
Noncurrent loans to loans0.0320%5,666
Net loans and leases to total assets67.4361%2,541
Net loans and leases to deposits84.2766%2,033
Net loans and leases to core deposits86.4386%2,503
Total domestic deposits to total assets80.0176%5,050
Equity capital to assets11.7478%2,241
Core capital (leverage) ratio11.6323%1,902
Tier 1 risk-based capital ratio17.1573%2,421
Total risk-based capital ratio18.4111%2,376
Memoranda:
Average total assets$265,505,0002,424
Average earning assets$248,525,0002,391
Average equity$31,280,0002,272
Average total loans$184,175,5002,237
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4240%2,145
Cost of funding earning assets0.7209%997
Net interest margin3.7031%2,997
Noninterest income to average assets0.6946%2,330
Noninterest expense to average assets2.8394%3,343
Loan and lease loss provision to assets0.2214%1,110
Net operating income to assets1.1091%1,945
Return on assets (ROA)1.1034%2,015
Pretax return on assets1.1034%3,068
Return on Equity (ROE)9.5552%2,311
Retained earnings to average equity (ytd only)4.5474%2,937
Net charge-offs to loans0.0466%3,893
Credit loss provision to net charge-offs689.2857%384
Earnings coverage of net charge-offs (x)41.4167%1,053
Efficiency ratio68.0914%3,891
Assets per employee ($millions)3.4052%5,051
Cash dividends to net income (ytd only)*52.4090%2,136
Condition Ratios (%)
Loss allowance to loans1.5705%2,189
Loan loss allowance to noncurrent loans612.9237%907
Noncurrent assets plus other real estate owned to assets0.1800%5,312
Noncurrent loans to loans0.2562%4,919
Net loans and leases to total assets69.1487%2,373
Net loans and leases to deposits86.9784%1,852
Net loans and leases to core deposits89.6403%2,320
Total domestic deposits to total assets79.5010%5,142
Equity capital to assets11.8157%2,162
Core capital (leverage) ratio11.6701%1,847
Tier 1 risk-based capital ratio17.2111%2,423
Total risk-based capital ratio18.4656%2,375
Memoranda:
Average total assets$261,462,6002,413
Average earning assets$245,386,2002,379
Average equity$30,193,0002,261
Average total loans$180,124,0002,224
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4350%2,097
Cost of funding earning assets0.7313%985
Net interest margin3.7037%3,008
Noninterest income to average assets0.7027%2,318
Noninterest expense to average assets2.8301%3,348
Loan and lease loss provision to assets0.2674%790
Net operating income to assets1.0864%2,087
Return on assets (ROA)1.0864%2,159
Pretax return on assets1.0864%3,241
Return on Equity (ROE)9.4633%2,465
Retained earnings to average equity (ytd only)5.1828%2,968
Net charge-offs to loans0.0350%3,788
Credit loss provision to net charge-offs1,114.8936%302
Earnings coverage of net charge-offs (x)56.4423%901
Efficiency ratio67.6424%3,916
Assets per employee ($millions)3.3901%5,063
Cash dividends to net income (ytd only)*45.2325%2,088
Condition Ratios (%)
Loss allowance to loans1.5640%2,439
Loan loss allowance to noncurrent loans616.9528%834
Noncurrent assets plus other real estate owned to assets0.2126%5,366
Noncurrent loans to loans0.2535%5,147
Net loans and leases to total assets69.3170%2,307
Net loans and leases to deposits86.3323%1,872
Net loans and leases to core deposits88.9561%2,333
Total domestic deposits to total assets80.2909%5,019
Equity capital to assets11.7865%2,232
Core capital (leverage) ratio11.4939%2,070
Tier 1 risk-based capital ratio17.1395%2,552
Total risk-based capital ratio18.3939%2,509
Memoranda:
Average total assets$261,277,5002,440
Average earning assets$245,587,0002,397
Average equity$29,996,0002,285
Average total loans$179,104,2502,249
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3773%2,264
Cost of funding earning assets0.7509%919
Net interest margin3.6264%3,253
Noninterest income to average assets0.6765%2,396
Noninterest expense to average assets2.8275%3,402
Loan and lease loss provision to assets0.3153%609
Net operating income to assets0.9412%2,590
Return on assets (ROA)0.9412%2,696
Pretax return on assets0.9412%3,717
Return on Equity (ROE)8.2720%2,945
Retained earnings to average equity (ytd only)3.9544%3,664
Net charge-offs to loans0.0372%3,480
Credit loss provision to net charge-offs1,248.4848%284
Earnings coverage of net charge-offs (x)49.7576%913
Efficiency ratio69.2337%3,790
Assets per employee ($millions)3.5598%4,742
Cash dividends to net income (ytd only)*52.1951%1,842
Condition Ratios (%)
Loss allowance to loans1.5036%2,880
Loan loss allowance to noncurrent loans706.6158%687
Noncurrent assets plus other real estate owned to assets0.1989%5,523
Noncurrent loans to loans0.2128%5,378
Net loans and leases to total assets70.0041%2,084
Net loans and leases to deposits87.1999%1,681
Net loans and leases to core deposits90.2076%2,109
Total domestic deposits to total assets80.2801%5,184
Equity capital to assets11.6320%2,294
Core capital (leverage) ratio11.4387%2,063
Tier 1 risk-based capital ratio16.8715%2,676
Total risk-based capital ratio18.1251%2,642
Memoranda:
Average total assets$261,357,6702,442
Average earning assets$245,584,6702,392
Average equity$29,739,0002,287
Average total loans$177,533,0002,261
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2932%2,553
Cost of funding earning assets0.7617%919
Net interest margin3.5314%3,563
Noninterest income to average assets0.6913%2,216
Noninterest expense to average assets2.8447%3,399
Loan and lease loss provision to assets0.3663%470
Net operating income to assets0.8058%3,125
Return on assets (ROA)0.8058%3,201
Pretax return on assets0.8058%4,087
Return on Equity (ROE)7.1607%3,381
Retained earnings to average equity (ytd only)2.8073%4,409
Net charge-offs to loans0.0092%3,441
Credit loss provision to net charge-offs6,000.0000%53
Earnings coverage of net charge-offs (x)192.0000%253
Efficiency ratio70.8207%3,680
Assets per employee ($millions)3.4318%5,072
Cash dividends to net income (ytd only)*60.7955%1,388
Condition Ratios (%)
Loss allowance to loans1.4898%3,181
Loan loss allowance to noncurrent loans680.6202%726
Noncurrent assets plus other real estate owned to assets0.2274%5,521
Noncurrent loans to loans0.2189%5,438
Net loans and leases to total assets65.9101%2,581
Net loans and leases to deposits81.7585%2,072
Net loans and leases to core deposits84.7383%2,439
Total domestic deposits to total assets80.6156%5,347
Equity capital to assets11.2201%2,505
Core capital (leverage) ratio11.2048%2,216
Tier 1 risk-based capital ratio17.3876%2,519
Total risk-based capital ratio18.6409%2,488
Memoranda:
Average total assets$262,102,0002,441
Average earning assets$246,811,0002,381
Average equity$29,494,5002,300
Average total loans$173,951,5002,297
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8835%1,123
Cost of funding earning assets0.8879%789
Net interest margin3.9956%1,958
Noninterest income to average assets0.7388%2,337
Noninterest expense to average assets2.6748%4,196
Loan and lease loss provision to assets0.2065%1,791
Net operating income to assets1.3279%1,184
Return on assets (ROA)1.3145%1,254
Pretax return on assets1.3145%2,092
Return on Equity (ROE)11.8740%1,462
Retained earnings to average equity (ytd only)6.1663%1,875
Net charge-offs to loans0.1031%3,794
Credit loss provision to net charge-offs302.2346%754
Earnings coverage of net charge-offs (x)22.4525%1,449
Efficiency ratio63.5465%4,979
Assets per employee ($millions)3.3761%5,144
Cash dividends to net income (ytd only)*48.0685%2,374
Condition Ratios (%)
Loss allowance to loans1.4015%3,648
Loan loss allowance to noncurrent loans279.8133%1,577
Noncurrent assets plus other real estate owned to assets0.4120%5,019
Noncurrent loans to loans0.5009%4,743
Net loans and leases to total assets64.8975%2,889
Net loans and leases to deposits81.2218%2,295
Net loans and leases to core deposits83.8615%2,688
Total domestic deposits to total assets79.9016%5,465
Equity capital to assets11.2865%2,353
Core capital (leverage) ratio11.2102%2,185
Tier 1 risk-based capital ratio17.7880%2,308
Total risk-based capital ratio19.0404%2,280
Memoranda:
Average total assets$261,923,6002,415
Average earning assets$227,499,4002,540
Average equity$28,996,2002,310
Average total loans$173,568,6002,263
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0125%920
Cost of funding earning assets0.9228%731
Net interest margin4.0897%1,663
Noninterest income to average assets0.7428%2,396
Noninterest expense to average assets2.6385%4,245
Loan and lease loss provision to assets0.1682%2,160
Net operating income to assets1.4130%1,079
Return on assets (ROA)1.3957%1,160
Pretax return on assets1.3957%1,943
Return on Equity (ROE)12.6688%1,322
Retained earnings to average equity (ytd only)7.9924%1,411
Net charge-offs to loans0.0919%3,646
Credit loss provision to net charge-offs275.8333%924
Earnings coverage of net charge-offs (x)25.9327%1,365
Efficiency ratio62.5286%5,062
Assets per employee ($millions)3.5643%4,730
Cash dividends to net income (ytd only)*36.9131%2,396
Condition Ratios (%)
Loss allowance to loans1.2905%4,442
Loan loss allowance to noncurrent loans416.8831%1,042
Noncurrent assets plus other real estate owned to assets0.2517%5,684
Noncurrent loans to loans0.3095%5,452
Net loans and leases to total assets65.1644%2,774
Net loans and leases to deposits81.3954%2,212
Net loans and leases to core deposits84.0968%2,644
Total domestic deposits to total assets80.0591%5,496
Equity capital to assets11.1219%2,642
Core capital (leverage) ratio11.0572%2,424
Tier 1 risk-based capital ratio17.3414%2,566
Total risk-based capital ratio18.5924%2,539
Memoranda:
Average total assets$262,415,5002,436
Average earning assets$223,091,7502,601
Average equity$28,910,2502,340
Average total loans$174,185,0002,261
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0319%864
Cost of funding earning assets0.9369%753
Net interest margin4.0949%1,555
Noninterest income to average assets0.7573%2,380
Noninterest expense to average assets2.6324%4,273
Loan and lease loss provision to assets0.0779%3,504
Net operating income to assets1.5506%816
Return on assets (ROA)1.5239%931
Pretax return on assets1.5239%1,552
Return on Equity (ROE)13.8762%1,036
Retained earnings to average equity (ytd only)9.2114%1,054
Net charge-offs to loans0.0517%3,948
Credit loss provision to net charge-offs226.6667%1,085
Earnings coverage of net charge-offs (x)47.4000%829
Efficiency ratio61.7810%5,205
Assets per employee ($millions)3.6074%4,605
Cash dividends to net income (ytd only)*33.6172%2,521
Condition Ratios (%)
Loss allowance to loans1.1877%5,053
Loan loss allowance to noncurrent loans362.1107%1,168
Noncurrent assets plus other real estate owned to assets0.2225%5,819
Noncurrent loans to loans0.3280%5,475
Net loans and leases to total assets67.0444%2,403
Net loans and leases to deposits84.3797%1,748
Net loans and leases to core deposits87.1051%2,220
Total domestic deposits to total assets79.4555%5,721
Equity capital to assets11.2531%2,519
Core capital (leverage) ratio11.1081%2,252
Tier 1 risk-based capital ratio17.0552%2,692
Total risk-based capital ratio18.2924%2,668
Memoranda:
Average total assets$261,967,6702,441
Average earning assets$224,131,6702,598
Average equity$28,768,6702,360
Average total loans$174,205,3302,267
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9912%902
Cost of funding earning assets0.9423%812
Net interest margin4.0490%1,619
Noninterest income to average assets0.8119%2,080
Noninterest expense to average assets2.6851%4,126
Loan and lease loss provision to assets0.0517%3,756
Net operating income to assets1.5508%766
Return on assets (ROA)1.5508%838
Pretax return on assets1.5508%1,422
Return on Equity (ROE)14.2962%902
Retained earnings to average equity (ytd only)9.3907%1,273
Net charge-offs to loans-0.0208%5,732
Credit loss provision to net charge-offs-377.7778%5,409
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6241%5,214
Assets per employee ($millions)3.5937%4,795
Cash dividends to net income (ytd only)*34.3137%1,985
Condition Ratios (%)
Loss allowance to loans1.1984%5,184
Loan loss allowance to noncurrent loans609.6774%722
Noncurrent assets plus other real estate owned to assets0.1300%6,180
Noncurrent loans to loans0.1966%5,911
Net loans and leases to total assets65.3377%2,489
Net loans and leases to deposits82.1101%1,813
Net loans and leases to core deposits84.7527%2,239
Total domestic deposits to total assets79.5733%5,847
Equity capital to assets10.9795%2,979
Core capital (leverage) ratio10.7043%2,547
Tier 1 risk-based capital ratio16.7546%2,883
Total risk-based capital ratio17.9908%2,857
Memoranda:
Average total assets$263,084,5002,458
Average earning assets$225,835,5002,605
Average equity$28,539,0002,415
Average total loans$173,193,0002,291
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1316%1,238
Cost of funding earning assets0.9809%1,461
Net interest margin4.1508%1,815
Noninterest income to average assets0.7500%2,498
Noninterest expense to average assets2.5248%5,009
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.9095%421
Return on assets (ROA)1.9095%467
Pretax return on assets1.9095%740
Return on Equity (ROE)18.3683%412
Retained earnings to average equity (ytd only)6.8410%1,649
Net charge-offs to loans0.1402%4,291
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)20.1753%1,364
Efficiency ratio56.9388%5,960
Assets per employee ($millions)3.5177%4,975
Cash dividends to net income (ytd only)*62.7567%1,661
Condition Ratios (%)
Loss allowance to loans1.1776%5,225
Loan loss allowance to noncurrent loans485.9189%841
Noncurrent assets plus other real estate owned to assets0.3282%5,688
Noncurrent loans to loans0.2423%5,874
Net loans and leases to total assets64.7631%2,762
Net loans and leases to deposits81.4113%2,088
Net loans and leases to core deposits84.4802%2,493
Total domestic deposits to total assets79.5505%5,772
Equity capital to assets10.7169%3,257
Core capital (leverage) ratio10.3312%2,974
Tier 1 risk-based capital ratio16.3354%2,977
Total risk-based capital ratio17.5445%2,958
Memoranda:
Average total assets$265,205,2002,392
Average earning assets$235,402,2002,452
Average equity$27,569,2002,438
Average total loans$179,081,8002,215
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1035%1,417
Cost of funding earning assets0.9863%1,643
Net interest margin4.1173%2,028
Noninterest income to average assets0.7064%2,679
Noninterest expense to average assets2.4949%5,103
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.8984%455
Return on assets (ROA)1.8984%530
Pretax return on assets1.8984%873
Return on Equity (ROE)18.4033%454
Retained earnings to average equity (ytd only)9.7784%971
Net charge-offs to loans0.1299%4,078
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)21.4830%1,404
Efficiency ratio56.7886%5,946
Assets per employee ($millions)3.5365%4,886
Cash dividends to net income (ytd only)*46.8659%1,844
Condition Ratios (%)
Loss allowance to loans1.1473%5,533
Loan loss allowance to noncurrent loans340.4839%1,099
Noncurrent assets plus other real estate owned to assets0.3566%5,799
Noncurrent loans to loans0.3370%5,801
Net loans and leases to total assets66.7937%2,505
Net loans and leases to deposits83.6187%1,915
Net loans and leases to core deposits87.2630%2,308
Total domestic deposits to total assets79.8790%5,688
Equity capital to assets10.4753%3,872
Core capital (leverage) ratio10.2889%3,180
Tier 1 risk-based capital ratio15.5463%3,506
Total risk-based capital ratio16.7335%3,508
Memoranda:
Average total assets$265,550,0002,413
Average earning assets$237,789,7502,458
Average equity$27,393,0002,469
Average total loans$180,627,7502,217
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0957%1,514
Cost of funding earning assets0.9902%1,824
Net interest margin4.1054%2,071
Noninterest income to average assets0.7034%2,651
Noninterest expense to average assets2.5150%5,090
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.8982%462
Return on assets (ROA)1.8982%525
Pretax return on assets1.8982%850
Return on Equity (ROE)18.5004%452
Retained earnings to average equity (ytd only)9.7869%1,038
Net charge-offs to loans0.1415%3,786
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)19.6772%1,424
Efficiency ratio56.9880%6,003
Assets per employee ($millions)3.7139%4,492
Cash dividends to net income (ytd only)*47.0988%1,860
Condition Ratios (%)
Loss allowance to loans1.1975%5,365
Loan loss allowance to noncurrent loans1,085.4271%378
Noncurrent assets plus other real estate owned to assets0.1638%6,385
Noncurrent loans to loans0.1103%6,387
Net loans and leases to total assets65.7341%2,725
Net loans and leases to deposits82.3978%2,063
Net loans and leases to core deposits86.1154%2,416
Total domestic deposits to total assets79.7765%5,802
Equity capital to assets10.2418%4,003
Core capital (leverage) ratio9.9782%3,449
Tier 1 risk-based capital ratio15.3134%3,569
Total risk-based capital ratio16.5410%3,539
Memoranda:
Average total assets$263,297,6702,428
Average earning assets$237,928,3302,452
Average equity$27,015,6702,483
Average total loans$179,505,3302,242
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1647%1,396
Cost of funding earning assets1.0084%1,930
Net interest margin4.1564%1,914
Noninterest income to average assets0.6384%3,002
Noninterest expense to average assets2.5460%5,001
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.8490%539
Return on assets (ROA)1.8490%613
Pretax return on assets1.8490%978
Return on Equity (ROE)18.0030%549
Retained earnings to average equity (ytd only)9.1592%1,528
Net charge-offs to loans0.1005%3,535
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)26.6444%999
Efficiency ratio57.9298%5,924
Assets per employee ($millions)3.6140%4,847
Cash dividends to net income (ytd only)*49.1243%1,495
Condition Ratios (%)
Loss allowance to loans1.2441%5,287
Loan loss allowance to noncurrent loans429.5019%787
Noncurrent assets plus other real estate owned to assets0.2583%6,239
Noncurrent loans to loans0.2897%6,096
Net loans and leases to total assets68.3926%2,045
Net loans and leases to deposits83.7601%1,694
Net loans and leases to core deposits87.4667%2,122
Total domestic deposits to total assets81.6530%5,407
Equity capital to assets10.3789%3,635
Core capital (leverage) ratio10.1887%3,125
Tier 1 risk-based capital ratio15.1886%3,628
Total risk-based capital ratio16.4389%3,587
Memoranda:
Average total assets$259,389,0002,486
Average earning assets$234,436,0002,495
Average equity$26,640,0002,509
Average total loans$179,070,5002,254
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3977%1,426
Cost of funding earning assets1.1401%2,411
Net interest margin4.2576%1,848
Noninterest income to average assets0.6884%2,670
Noninterest expense to average assets2.5694%5,201
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets2.0181%299
Return on assets (ROA)2.0181%319
Pretax return on assets2.0181%514
Return on Equity (ROE)19.5327%282
Retained earnings to average equity (ytd only)8.8590%844
Net charge-offs to loans0.1274%5,120
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)22.1577%1,071
Efficiency ratio56.0097%6,315
Assets per employee ($millions)3.6418%4,683
Cash dividends to net income (ytd only)*54.6453%1,815
Condition Ratios (%)
Loss allowance to loans1.2853%4,994
Loan loss allowance to noncurrent loans723.7342%518
Noncurrent assets plus other real estate owned to assets0.1802%6,500
Noncurrent loans to loans0.1776%6,393
Net loans and leases to total assets67.9309%2,407
Net loans and leases to deposits83.4182%2,003
Net loans and leases to core deposits86.7337%2,538
Total domestic deposits to total assets81.4342%5,315
Equity capital to assets10.1610%3,958
Core capital (leverage) ratio9.8427%3,525
Tier 1 risk-based capital ratio14.9069%3,693
Total risk-based capital ratio16.1580%3,663
Memoranda:
Average total assets$243,750,0002,593
Average earning assets$223,224,8002,577
Average equity$25,183,4002,560
Average total loans$174,268,0002,323
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4845%1,289
Cost of funding earning assets1.1555%2,601
Net interest margin4.3291%1,615
Noninterest income to average assets0.6960%2,632
Noninterest expense to average assets2.5906%5,117
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets2.0801%301
Return on assets (ROA)2.0801%326
Pretax return on assets2.0801%542
Return on Equity (ROE)20.0442%313
Retained earnings to average equity (ytd only)11.0363%627
Net charge-offs to loans0.1515%4,557
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)19.0102%1,274
Efficiency ratio55.4644%6,341
Assets per employee ($millions)3.4612%5,094
Cash dividends to net income (ytd only)*44.9398%1,814
Condition Ratios (%)
Loss allowance to loans1.3168%4,929
Loan loss allowance to noncurrent loans1,879.6748%214
Noncurrent assets plus other real estate owned to assets0.0821%6,849
Noncurrent loans to loans0.0701%6,752
Net loans and leases to total assets66.7458%2,728
Net loans and leases to deposits81.9099%2,375
Net loans and leases to core deposits84.9792%2,912
Total domestic deposits to total assets81.4868%5,261
Equity capital to assets10.0733%4,247
Core capital (leverage) ratio10.1806%3,212
Tier 1 risk-based capital ratio14.9554%3,685
Total risk-based capital ratio16.2066%3,657
Memoranda:
Average total assets$240,045,7502,648
Average earning assets$220,396,7502,624
Average equity$24,911,0002,580
Average total loans$173,351,5002,347
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5845%1,099
Cost of funding earning assets1.1963%2,602
Net interest margin4.3882%1,403
Noninterest income to average assets0.6988%2,556
Noninterest expense to average assets2.6403%5,037
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets2.0794%307
Return on assets (ROA)2.0794%317
Pretax return on assets2.0794%510
Return on Equity (ROE)19.8218%322
Retained earnings to average equity (ytd only)10.6864%725
Net charge-offs to loans0.1332%4,410
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)21.1130%1,162
Efficiency ratio55.9427%6,429
Assets per employee ($millions)3.4901%4,968
Cash dividends to net income (ytd only)*46.0873%1,829
Condition Ratios (%)
Loss allowance to loans1.3520%4,824
Loan loss allowance to noncurrent loans935.1563%395
Noncurrent assets plus other real estate owned to assets0.1458%6,724
Noncurrent loans to loans0.1446%6,619
Net loans and leases to total assets72.5367%1,679
Net loans and leases to deposits90.4234%1,224
Net loans and leases to core deposits94.4824%1,851
Total domestic deposits to total assets80.2189%5,763
Equity capital to assets10.4972%3,506
Core capital (leverage) ratio10.4504%2,763
Tier 1 risk-based capital ratio14.6167%3,717
Total risk-based capital ratio15.8731%3,675
Memoranda:
Average total assets$233,531,6702,723
Average earning assets$213,985,3302,712
Average equity$24,498,3302,609
Average total loans$172,610,0002,377
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6195%1,023
Cost of funding earning assets1.2192%2,688
Net interest margin4.4003%1,275
Noninterest income to average assets0.6159%3,064
Noninterest expense to average assets2.5891%5,270
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets2.0584%321
Return on assets (ROA)2.0584%336
Pretax return on assets2.0584%503
Return on Equity (ROE)19.6283%355
Retained earnings to average equity (ytd only)10.4364%1,010
Net charge-offs to loans0.0916%4,025
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)30.3333%825
Efficiency ratio55.7095%6,532
Assets per employee ($millions)3.1167%5,909
Cash dividends to net income (ytd only)*46.8301%1,575
Condition Ratios (%)
Loss allowance to loans1.4502%4,437
Loan loss allowance to noncurrent loans2,129.3103%203
Noncurrent assets plus other real estate owned to assets0.0496%7,042
Noncurrent loans to loans0.0681%6,869
Net loans and leases to total assets71.8056%1,759
Net loans and leases to deposits88.9793%1,354
Net loans and leases to core deposits93.0710%1,999
Total domestic deposits to total assets80.6992%5,744
Equity capital to assets10.4825%3,196
Core capital (leverage) ratio10.5034%2,609
Tier 1 risk-based capital ratio14.7134%3,603
Total risk-based capital ratio15.9705%3,552
Memoranda:
Average total assets$229,889,5002,774
Average earning assets$210,623,0002,772
Average equity$24,108,0002,634
Average total loans$170,378,0002,430
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8690%1,105
Cost of funding earning assets1.4752%2,786
Net interest margin4.3938%1,495
Noninterest income to average assets0.8102%2,231
Noninterest expense to average assets2.6881%5,039
Loan and lease loss provision to assets0.1565%5,640
Net operating income to assets1.9602%302
Return on assets (ROA)1.9375%331
Pretax return on assets1.9375%557
Return on Equity (ROE)18.9760%315
Retained earnings to average equity (ytd only)8.3883%873
Net charge-offs to loans0.1162%5,718
Credit loss provision to net charge-offs183.3333%1,794
Earnings coverage of net charge-offs (x)24.7917%851
Efficiency ratio55.9463%6,602
Assets per employee ($millions)3.0544%5,990
Cash dividends to net income (ytd only)*55.7953%1,820
Condition Ratios (%)
Loss allowance to loans1.4721%4,172
Loan loss allowance to noncurrent loans1,661.5894%241
Noncurrent assets plus other real estate owned to assets0.1049%6,970
Noncurrent loans to loans0.0886%6,913
Net loans and leases to total assets74.2964%1,602
Net loans and leases to deposits92.8036%1,161
Net loans and leases to core deposits96.7941%1,916
Total domestic deposits to total assets80.0577%5,818
Equity capital to assets10.4912%3,165
Core capital (leverage) ratio10.1491%2,928
Tier 1 risk-based capital ratio14.4466%3,586
Total risk-based capital ratio15.6998%3,534
Memoranda:
Average total assets$224,879,2002,814
Average earning assets$204,446,6002,813
Average equity$22,960,6002,768
Average total loans$165,214,0002,542
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8898%1,157
Cost of funding earning assets1.5179%2,863
Net interest margin4.3720%1,608
Noninterest income to average assets0.8703%1,910
Noninterest expense to average assets2.6613%5,055
Loan and lease loss provision to assets0.1906%5,139
Net operating income to assets1.9905%344
Return on assets (ROA)1.9596%391
Pretax return on assets1.9596%680
Return on Equity (ROE)19.3269%360
Retained earnings to average equity (ytd only)10.5622%672
Net charge-offs to loans0.1001%5,528
Credit loss provision to net charge-offs260.9756%1,265
Earnings coverage of net charge-offs (x)29.8691%882
Efficiency ratio54.9589%6,690
Assets per employee ($millions)3.0947%5,930
Cash dividends to net income (ytd only)*45.3499%1,830
Condition Ratios (%)
Loss allowance to loans1.5120%3,909
Loan loss allowance to noncurrent loans1,507.1006%261
Noncurrent assets plus other real estate owned to assets0.1392%7,002
Noncurrent loans to loans0.1003%6,987
Net loans and leases to total assets71.4790%2,355
Net loans and leases to deposits88.8642%1,880
Net loans and leases to core deposits91.9075%2,817
Total domestic deposits to total assets80.4363%5,563
Equity capital to assets10.2252%3,845
Core capital (leverage) ratio10.0723%3,177
Tier 1 risk-based capital ratio14.4272%3,552
Total risk-based capital ratio15.6829%3,524
Memoranda:
Average total assets$224,592,2502,850
Average earning assets$204,053,0002,868
Average equity$22,772,5002,835
Average total loans$163,907,7502,602
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9457%1,063
Cost of funding earning assets1.5702%2,835
Net interest margin4.3755%1,523
Noninterest income to average assets0.9339%1,566
Noninterest expense to average assets2.7223%4,824
Loan and lease loss provision to assets0.1909%4,970
Net operating income to assets1.9929%333
Return on assets (ROA)1.9605%390
Pretax return on assets1.9605%656
Return on Equity (ROE)19.3922%365
Retained earnings to average equity (ytd only)12.0522%482
Net charge-offs to loans0.1059%5,095
Credit loss provision to net charge-offs246.5116%1,561
Earnings coverage of net charge-offs (x)28.1977%958
Efficiency ratio55.4883%6,704
Assets per employee ($millions)2.9435%6,265
Cash dividends to net income (ytd only)*37.8503%2,183
Condition Ratios (%)
Loss allowance to loans1.4895%3,984
Loan loss allowance to noncurrent loans926.9663%369
Noncurrent assets plus other real estate owned to assets0.1703%6,962
Noncurrent loans to loans0.1607%6,940
Net loans and leases to total assets72.2226%2,339
Net loans and leases to deposits90.4255%1,783
Net loans and leases to core deposits94.6837%2,621
Total domestic deposits to total assets79.8697%5,766
Equity capital to assets10.2326%3,728
Core capital (leverage) ratio10.0791%3,088
Tier 1 risk-based capital ratio14.1521%3,635
Total risk-based capital ratio15.4018%3,590
Memoranda:
Average total assets$222,088,6702,909
Average earning assets$201,624,3302,927
Average equity$22,452,3302,864
Average total loans$162,393,0002,659
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0229%933
Cost of funding earning assets1.6162%2,860
Net interest margin4.4068%1,371
Noninterest income to average assets1.0882%1,068
Noninterest expense to average assets2.7478%4,696
Loan and lease loss provision to assets0.1947%4,553
Net operating income to assets2.1400%279
Return on assets (ROA)2.1127%315
Pretax return on assets2.1127%495
Return on Equity (ROE)21.0302%330
Retained earnings to average equity (ytd only)11.5567%821
Net charge-offs to loans0.1121%4,312
Credit loss provision to net charge-offs237.7778%1,612
Earnings coverage of net charge-offs (x)28.5111%901
Efficiency ratio54.0637%6,967
Assets per employee ($millions)3.1111%5,976
Cash dividends to net income (ytd only)*45.0474%1,613
Condition Ratios (%)
Loss allowance to loans1.5076%3,872
Loan loss allowance to noncurrent loans732.8267%432
Noncurrent assets plus other real estate owned to assets0.2112%6,934
Noncurrent loans to loans0.2057%6,926
Net loans and leases to total assets70.3168%2,857
Net loans and leases to deposits87.9948%2,229
Net loans and leases to core deposits91.9750%3,107
Total domestic deposits to total assets79.9102%5,814
Equity capital to assets9.9902%3,890
Core capital (leverage) ratio10.0480%3,104
Tier 1 risk-based capital ratio14.1258%3,581
Total risk-based capital ratio15.3804%3,540
Memoranda:
Average total assets$219,809,0002,990
Average earning assets$199,238,5003,010
Average equity$22,082,5002,935
Average total loans$160,506,5002,755
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3405%953
Cost of funding earning assets1.9590%3,164
Net interest margin4.3815%1,487
Noninterest income to average assets0.8159%2,326
Noninterest expense to average assets3.3887%2,720
Loan and lease loss provision to assets0.1615%6,070
Net operating income to assets1.2663%1,096
Return on assets (ROA)1.0051%1,871
Pretax return on assets1.0051%2,577
Return on Equity (ROE)11.5104%1,286
Retained earnings to average equity (ytd only)2.0082%3,696
Net charge-offs to loans0.1683%5,606
Credit loss provision to net charge-offs131.0861%3,868
Earnings coverage of net charge-offs (x)11.5880%1,580
Efficiency ratio70.3555%4,547
Assets per employee ($millions)3.0803%6,032
Cash dividends to net income (ytd only)*82.5528%1,101
Condition Ratios (%)
Loss allowance to loans1.4582%3,936
Loan loss allowance to noncurrent loans631.4516%541
Noncurrent assets plus other real estate owned to assets0.2500%6,829
Noncurrent loans to loans0.2309%6,851
Net loans and leases to total assets73.6225%2,356
Net loans and leases to deposits91.4498%1,976
Net loans and leases to core deposits120.1032%1,943
Total domestic deposits to total assets80.5059%5,511
Equity capital to assets10.1044%3,612
Core capital (leverage) ratio9.9555%3,135
Tier 1 risk-based capital ratio13.7475%3,659
Total risk-based capital ratio14.9683%3,613
Memoranda:
Average total assets$216,689,4002,989
Average earning assets$197,855,0002,999
Average equity$18,922,0003,351
Average total loans$158,636,8002,783
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3437%1,041
Cost of funding earning assets2.0339%3,193
Net interest margin4.3098%1,704
Noninterest income to average assets0.8155%2,357
Noninterest expense to average assets3.1391%3,502
Loan and lease loss provision to assets0.1229%6,129
Net operating income to assets1.5044%803
Return on assets (ROA)1.5044%864
Pretax return on assets1.5044%1,404
Return on Equity (ROE)17.9280%462
Retained earnings to average equity (ytd only)10.7363%504
Net charge-offs to loans0.1578%5,130
Credit loss provision to net charge-offs106.9519%4,754
Earnings coverage of net charge-offs (x)14.1603%1,619
Efficiency ratio65.8587%5,391
Assets per employee ($millions)3.3487%5,261
Cash dividends to net income (ytd only)*40.1143%2,435
Condition Ratios (%)
Loss allowance to loans1.4100%3,885
Loan loss allowance to noncurrent loans582.8645%562
Noncurrent assets plus other real estate owned to assets0.2334%6,932
Noncurrent loans to loans0.2419%6,896
Net loans and leases to total assets73.2079%2,735
Net loans and leases to deposits90.7811%2,435
Net loans and leases to core deposits118.4717%2,376
Total domestic deposits to total assets80.6423%5,210
Equity capital to assets9.8569%4,270
Core capital (leverage) ratio9.7792%3,544
Tier 1 risk-based capital ratio13.5125%3,841
Total risk-based capital ratio14.7668%3,773
Memoranda:
Average total assets$216,957,0003,000
Average earning assets$198,891,7503,000
Average equity$18,205,7503,498
Average total loans$158,022,7502,829
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3629%1,073
Cost of funding earning assets2.1139%3,205
Net interest margin4.2490%1,821
Noninterest income to average assets0.7678%2,601
Noninterest expense to average assets3.3592%2,759
Loan and lease loss provision to assets0.1846%5,179
Net operating income to assets1.1120%1,731
Return on assets (ROA)1.1120%1,809
Pretax return on assets1.1120%2,594
Return on Equity (ROE)14.0749%976
Retained earnings to average equity (ytd only)7.1601%1,521
Net charge-offs to loans0.1939%4,329
Credit loss provision to net charge-offs131.5789%3,543
Earnings coverage of net charge-offs (x)9.2434%2,159
Efficiency ratio72.1506%4,382
Assets per employee ($millions)3.5339%4,720
Cash dividends to net income (ytd only)*49.1286%2,087
Condition Ratios (%)
Loss allowance to loans1.4663%3,380
Loan loss allowance to noncurrent loans1,107.1770%320
Noncurrent assets plus other real estate owned to assets0.1512%7,187
Noncurrent loans to loans0.1324%7,186
Net loans and leases to total assets72.1339%3,184
Net loans and leases to deposits88.9181%3,010
Net loans and leases to core deposits114.3383%2,874
Total domestic deposits to total assets81.1240%5,029
Equity capital to assets9.5083%4,602
Core capital (leverage) ratio9.2899%4,178
Tier 1 risk-based capital ratio13.1990%4,002
Total risk-based capital ratio14.4535%3,917
Memoranda:
Average total assets$216,721,0003,022
Average earning assets$198,305,0003,025
Average equity$17,122,6703,686
Average total loans$156,821,3302,876
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3845%1,100
Cost of funding earning assets2.1818%3,255
Net interest margin4.2027%1,890
Noninterest income to average assets0.6811%2,998
Noninterest expense to average assets2.4704%5,956
Loan and lease loss provision to assets0.2761%3,752
Net operating income to assets1.7782%552
Return on assets (ROA)1.7782%608
Pretax return on assets1.7782%1,021
Return on Equity (ROE)25.0332%186
Retained earnings to average equity (ytd only)17.9845%231
Net charge-offs to loans-0.1075%7,895
Credit loss provision to net charge-offs-357.1429%6,347
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5972%7,159
Assets per employee ($millions)3.6545%4,438
Cash dividends to net income (ytd only)*28.1573%2,372
Condition Ratios (%)
Loss allowance to loans1.5745%2,630
Loan loss allowance to noncurrent loans2,048.3333%231
Noncurrent assets plus other real estate owned to assets0.1683%7,048
Noncurrent loans to loans0.0769%7,305
Net loans and leases to total assets70.0751%3,650
Net loans and leases to deposits84.1894%3,954
Net loans and leases to core deposits107.6747%3,725
Total domestic deposits to total assets83.2350%4,026
Equity capital to assets7.1892%7,570
Core capital (leverage) ratio7.1477%7,527
Tier 1 risk-based capital ratio10.1841%6,731
Total risk-based capital ratio11.4375%6,641
Memoranda:
Average total assets$217,296,5003,027
Average earning assets$198,731,0003,030
Average equity$15,435,5004,050
Average total loans$156,325,5002,908
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9465%1,264
Cost of funding earning assets2.8347%2,557
Net interest margin4.1118%2,658
Noninterest income to average assets0.7781%2,627
Noninterest expense to average assets2.6020%5,644
Loan and lease loss provision to assets0.3061%3,923
Net operating income to assets1.5652%894
Return on assets (ROA)1.5652%867
Pretax return on assets1.5762%1,458
Return on Equity (ROE)20.6125%327
Retained earnings to average equity (ytd only)11.9768%227
Net charge-offs to loans0.1712%4,494
Credit loss provision to net charge-offs242.2925%1,927
Earnings coverage of net charge-offs (x)14.8972%1,990
Efficiency ratio58.0243%6,694
Assets per employee ($millions)3.3126%5,181
Cash dividends to net income (ytd only)*41.8953%3,563
Condition Ratios (%)
Loss allowance to loans1.4476%2,938
Loan loss allowance to noncurrent loans1,842.2764%317
Noncurrent assets plus other real estate owned to assets0.0920%7,211
Noncurrent loans to loans0.0786%7,188
Net loans and leases to total assets71.6474%3,664
Net loans and leases to deposits86.1143%4,105
Net loans and leases to core deposits110.1133%3,771
Total domestic deposits to total assets83.2004%3,684
Equity capital to assets7.0160%7,727
Core capital (leverage) ratio7.1551%7,563
Tier 1 risk-based capital ratio9.9470%6,800
Total risk-based capital ratio11.1668%6,712
Memoranda:
Average total assets$200,230,8003,139
Average earning assets$180,478,6003,179
Average equity$15,204,4004,098
Average total loans$147,801,0002,966