Slovenian Savings and Loan Association of Franklin-Conemaugh, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8335%4,155
Cost of funding earning assets0.7566%254
Net interest margin2.0768%4,555
Noninterest income to average assets0.3061%3,576
Noninterest expense to average assets2.1137%3,357
Loan and lease loss provision to assets0.0042%2,989
Net operating income to assets0.1724%4,561
Return on assets (ROA)0.1676%4,580
Pretax return on assets0.1676%4,594
Return on Equity (ROE)1.6163%4,543
Retained earnings to average equity (ytd only)1.6163%4,087
Net charge-offs to loans-0.0246%4,051
Credit loss provision to net charge-offs-33.3333%3,213
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2874%263
Assets per employee ($millions)5.3669%3,397
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.5497%4,583
Loan loss allowance to noncurrent loans65.9603%3,736
Noncurrent assets plus other real estate owned to assets0.4538%1,455
Noncurrent loans to loans0.8334%1,218
Net loans and leases to total assets54.1551%2,829
Net loans and leases to deposits60.6085%3,024
Net loans and leases to core deposits63.7682%3,000
Total domestic deposits to total assets89.3523%1,324
Equity capital to assets10.4043%2,260
Core capital (leverage) ratio10.4952%1,921
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$165,304,0003,341
Average earning assets$157,933,4003,299
Average equity$17,138,4003,451
Average total loans$85,212,0003,400
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8209%4,277
Cost of funding earning assets0.7805%264
Net interest margin2.0404%4,658
Noninterest income to average assets0.3102%3,572
Noninterest expense to average assets2.1150%3,317
Loan and lease loss provision to assets0.0055%2,868
Net operating income to assets0.1390%4,668
Return on assets (ROA)0.1325%4,693
Pretax return on assets0.1325%4,700
Return on Equity (ROE)1.2791%4,672
Retained earnings to average equity (ytd only)1.2791%4,356
Net charge-offs to loans-0.0286%4,112
Credit loss provision to net charge-offs-38.8889%3,121
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6003%237
Assets per employee ($millions)5.4300%3,272
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.5672%4,654
Loan loss allowance to noncurrent loans61.3861%3,830
Noncurrent assets plus other real estate owned to assets0.4800%1,583
Noncurrent loans to loans0.9239%1,243
Net loans and leases to total assets51.6583%3,229
Net loans and leases to deposits57.8302%3,423
Net loans and leases to core deposits61.7755%3,342
Total domestic deposits to total assets89.3276%1,108
Equity capital to assets10.3617%2,561
Core capital (leverage) ratio10.3111%2,218
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$165,036,5003,380
Average earning assets$157,677,2503,333
Average equity$17,095,5003,501
Average total loans$83,865,5003,463
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7875%4,359
Cost of funding earning assets0.7993%294
Net interest margin1.9881%4,715
Noninterest income to average assets0.3074%3,590
Noninterest expense to average assets2.1349%3,283
Loan and lease loss provision to assets0.0085%2,749
Net operating income to assets0.0634%4,742
Return on assets (ROA)0.0573%4,755
Pretax return on assets0.0573%4,756
Return on Equity (ROE)0.5536%4,745
Retained earnings to average equity (ytd only)0.5536%4,422
Net charge-offs to loans-0.0194%3,981
Credit loss provision to net charge-offs-87.5000%3,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.7385%205
Assets per employee ($millions)5.4246%3,216
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.5768%4,679
Loan loss allowance to noncurrent loans48.2107%3,977
Noncurrent assets plus other real estate owned to assets0.5982%1,400
Noncurrent loans to loans1.1965%1,004
Net loans and leases to total assets49.7098%3,580
Net loans and leases to deposits55.5587%3,746
Net loans and leases to core deposits58.4252%3,734
Total domestic deposits to total assets89.4727%1,043
Equity capital to assets10.2199%2,649
Core capital (leverage) ratio10.3817%2,050
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,938,3333,398
Average earning assets$156,630,0003,345
Average equity$16,980,0003,513
Average total loans$82,669,6673,502
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6968%4,483
Cost of funding earning assets0.8127%326
Net interest margin1.8841%4,777
Noninterest income to average assets0.3312%3,445
Noninterest expense to average assets2.1554%3,250
Loan and lease loss provision to assets0.0173%2,552
Net operating income to assets-0.0420%4,786
Return on assets (ROA)-0.0470%4,795
Pretax return on assets-0.0470%4,797
Return on Equity (ROE)-0.4503%4,798
Retained earnings to average equity (ytd only)-0.4503%4,405
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.1601%180
Assets per employee ($millions)5.3036%3,332
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.5801%4,706
Loan loss allowance to noncurrent loans58.5276%3,866
Noncurrent assets plus other real estate owned to assets0.4957%1,904
Noncurrent loans to loans0.9911%1,356
Net loans and leases to total assets49.7248%3,652
Net loans and leases to deposits55.5322%3,830
Net loans and leases to core deposits58.5442%3,800
Total domestic deposits to total assets89.5422%1,050
Equity capital to assets10.0965%2,615
Core capital (leverage) ratio10.6705%1,950
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$161,826,5003,414
Average earning assets$154,555,0003,369
Average equity$16,877,0003,523
Average total loans$81,965,5003,525
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9125%4,699
Cost of funding earning assets0.9607%691
Net interest margin1.9519%4,847
Noninterest income to average assets0.3535%3,351
Noninterest expense to average assets2.2450%3,557
Loan and lease loss provision to assets0.0344%3,973
Net operating income to assets0.0068%4,730
Return on assets (ROA)0.0078%4,766
Pretax return on assets-0.0597%4,785
Return on Equity (ROE)0.0713%4,765
Retained earnings to average equity (ytd only)0.0713%4,497
Net charge-offs to loans0.0273%2,486
Credit loss provision to net charge-offs240.9091%1,972
Earnings coverage of net charge-offs (x)-1.8636%3,358
Efficiency ratio101.1988%160
Assets per employee ($millions)5.1368%3,244
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.5753%4,730
Loan loss allowance to noncurrent loans41.1559%4,143
Noncurrent assets plus other real estate owned to assets0.7172%1,451
Noncurrent loans to loans1.3978%971
Net loans and leases to total assets51.0111%3,746
Net loans and leases to deposits57.1889%3,932
Net loans and leases to core deposits60.5480%3,911
Total domestic deposits to total assets89.1974%898
Equity capital to assets10.7724%2,455
Core capital (leverage) ratio11.0005%1,798
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$154,163,6003,352
Average earning assets$147,294,2003,295
Average equity$16,827,0003,466
Average total loans$80,524,8003,545
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0272%4,718
Cost of funding earning assets0.9926%779
Net interest margin2.0346%4,878
Noninterest income to average assets0.3514%3,352
Noninterest expense to average assets2.3144%3,383
Loan and lease loss provision to assets0.0392%3,857
Net operating income to assets-0.0457%4,791
Return on assets (ROA)-0.0471%4,808
Pretax return on assets-0.0610%4,806
Return on Equity (ROE)-0.4300%4,812
Retained earnings to average equity (ytd only)-0.4300%4,545
Net charge-offs to loans0.0332%2,163
Credit loss provision to net charge-offs225.0000%2,013
Earnings coverage of net charge-offs (x)-1.1500%3,157
Efficiency ratio100.8742%166
Assets per employee ($millions)5.0277%3,215
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.5649%4,769
Loan loss allowance to noncurrent loans49.2569%4,042
Noncurrent assets plus other real estate owned to assets0.6044%1,917
Noncurrent loans to loans1.1469%1,321
Net loans and leases to total assets52.3989%3,938
Net loans and leases to deposits58.7902%4,129
Net loans and leases to core deposits62.1866%4,092
Total domestic deposits to total assets89.1287%713
Equity capital to assets10.7301%2,599
Core capital (leverage) ratio11.0252%1,872
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$152,894,5003,351
Average earning assets$146,006,2503,292
Average equity$16,745,2503,473
Average total loans$80,231,0003,572
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1569%4,749
Cost of funding earning assets1.0371%880
Net interest margin2.1198%4,914
Noninterest income to average assets0.3568%3,339
Noninterest expense to average assets2.3765%3,319
Loan and lease loss provision to assets0.0395%3,784
Net operating income to assets-0.0137%4,788
Return on assets (ROA)-0.0105%4,799
Pretax return on assets-0.0316%4,802
Return on Equity (ROE)-0.0955%4,800
Retained earnings to average equity (ytd only)-0.0955%4,322
Net charge-offs to loans0.0402%1,942
Credit loss provision to net charge-offs187.5000%1,964
Earnings coverage of net charge-offs (x)0.1875%2,935
Efficiency ratio99.8341%187
Assets per employee ($millions)5.0173%3,154
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.5752%4,768
Loan loss allowance to noncurrent loans60.4806%3,883
Noncurrent assets plus other real estate owned to assets0.4816%2,394
Noncurrent loans to loans0.9511%1,626
Net loans and leases to total assets50.3417%4,147
Net loans and leases to deposits56.5225%4,275
Net loans and leases to core deposits59.8007%4,271
Total domestic deposits to total assets89.0650%720
Equity capital to assets10.7826%2,502
Core capital (leverage) ratio11.1613%1,858
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$151,906,0003,339
Average earning assets$145,016,3333,279
Average equity$16,752,3333,483
Average total loans$79,597,0003,582
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2403%4,850
Cost of funding earning assets1.0950%1,061
Net interest margin2.1453%4,980
Noninterest income to average assets0.2079%4,302
Noninterest expense to average assets2.4172%3,501
Loan and lease loss provision to assets0.0400%3,273
Net operating income to assets-0.2025%4,852
Return on assets (ROA)-0.2025%4,827
Pretax return on assets-0.2025%4,812
Return on Equity (ROE)-1.8160%4,830
Retained earnings to average equity (ytd only)-1.8160%4,230
Net charge-offs to loans0.0050%2,399
Credit loss provision to net charge-offs1,500.0000%424
Earnings coverage of net charge-offs (x)-61.0000%2,559
Efficiency ratio107.2104%160
Assets per employee ($millions)4.8577%2,807
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.5671%4,808
Loan loss allowance to noncurrent loans48.1915%4,115
Noncurrent assets plus other real estate owned to assets0.6242%2,137
Noncurrent loans to loans1.1767%1,401
Net loans and leases to total assets52.7469%4,074
Net loans and leases to deposits59.4477%4,218
Net loans and leases to core deposits62.9975%4,233
Total domestic deposits to total assets88.7283%796
Equity capital to assets11.0891%2,784
Core capital (leverage) ratio11.3862%2,168
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$150,090,5003,317
Average earning assets$143,195,0003,263
Average equity$16,740,5003,494
Average total loans$80,019,0003,581
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4901%4,863
Cost of funding earning assets1.0772%1,412
Net interest margin2.4129%5,008
Noninterest income to average assets0.3275%3,737
Noninterest expense to average assets2.3130%3,915
Loan and lease loss provision to assets0.0406%3,200
Net operating income to assets0.2566%4,789
Return on assets (ROA)0.2566%4,814
Pretax return on assets0.2731%4,839
Return on Equity (ROE)2.2634%4,772
Retained earnings to average equity (ytd only)2.2634%3,883
Net charge-offs to loans0.0673%2,128
Credit loss provision to net charge-offs111.3208%2,245
Earnings coverage of net charge-offs (x)8.6038%2,756
Efficiency ratio88.0566%436
Assets per employee ($millions)4.8255%2,806
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.5477%4,822
Loan loss allowance to noncurrent loans44.3434%4,196
Noncurrent assets plus other real estate owned to assets0.6618%1,930
Noncurrent loans to loans1.2351%1,212
Net loans and leases to total assets53.2883%4,130
Net loans and leases to deposits60.1133%4,284
Net loans and leases to core deposits63.4472%4,306
Total domestic deposits to total assets88.6465%819
Equity capital to assets11.2185%2,796
Core capital (leverage) ratio11.6613%1,989
Tier 1 risk-based capital ratio18.4727%1,638
Total risk-based capital ratio18.9832%1,784
Memoranda:
Average total assets$145,352,2003,360
Average earning assets$138,505,2003,301
Average equity$16,479,8003,498
Average total loans$78,782,4003,622
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5219%4,943
Cost of funding earning assets1.0556%1,518
Net interest margin2.4663%5,082
Noninterest income to average assets0.3400%3,693
Noninterest expense to average assets2.3424%3,841
Loan and lease loss provision to assets0.0277%3,350
Net operating income to assets0.2929%4,850
Return on assets (ROA)0.2929%4,869
Pretax return on assets0.3188%4,885
Return on Equity (ROE)2.5765%4,828
Retained earnings to average equity (ytd only)2.5765%4,059
Net charge-offs to loans0.0765%1,732
Credit loss provision to net charge-offs66.6667%2,651
Earnings coverage of net charge-offs (x)8.3332%2,667
Efficiency ratio87.1134%447
Assets per employee ($millions)4.7189%2,892
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.5215%4,942
Loan loss allowance to noncurrent loans65.5172%3,896
Noncurrent assets plus other real estate owned to assets0.4361%2,775
Noncurrent loans to loans0.7960%1,984
Net loans and leases to total assets54.5062%4,135
Net loans and leases to deposits61.6629%4,309
Net loans and leases to core deposits65.0356%4,324
Total domestic deposits to total assets88.3940%877
Equity capital to assets11.3299%2,815
Core capital (leverage) ratio11.6610%2,108
Tier 1 risk-based capital ratio18.7683%1,619
Total risk-based capital ratio19.2663%1,762
Memoranda:
Average total assets$144,292,2503,408
Average earning assets$137,420,7503,351
Average equity$16,404,2503,530
Average total loans$78,439,5003,667
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4939%5,012
Cost of funding earning assets1.0175%1,615
Net interest margin2.4764%5,140
Noninterest income to average assets0.3105%3,850
Noninterest expense to average assets2.3505%3,868
Loan and lease loss provision to assets0.0306%3,206
Net operating income to assets0.2688%4,915
Return on assets (ROA)0.2688%4,928
Pretax return on assets0.2882%4,943
Return on Equity (ROE)2.3612%4,897
Retained earnings to average equity (ytd only)2.3612%4,001
Net charge-offs to loans0.0899%1,469
Credit loss provision to net charge-offs62.8571%2,384
Earnings coverage of net charge-offs (x)6.5429%2,557
Efficiency ratio88.0543%441
Assets per employee ($millions)4.7352%2,824
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.5347%4,971
Loan loss allowance to noncurrent loans54.9738%4,095
Noncurrent assets plus other real estate owned to assets0.5205%2,475
Noncurrent loans to loans0.9726%1,685
Net loans and leases to total assets53.2264%4,276
Net loans and leases to deposits60.5883%4,401
Net loans and leases to core deposits63.9061%4,419
Total domestic deposits to total assets87.8493%1,171
Equity capital to assets11.2038%2,849
Core capital (leverage) ratio11.6276%2,074
Tier 1 risk-based capital ratio20.7406%1,211
Total risk-based capital ratio21.2938%1,315
Memoranda:
Average total assets$143,627,6703,438
Average earning assets$136,811,0003,382
Average equity$16,347,6703,529
Average total loans$77,868,3303,696
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4410%5,090
Cost of funding earning assets0.9734%1,686
Net interest margin2.4676%5,201
Noninterest income to average assets0.3182%3,730
Noninterest expense to average assets2.3570%3,879
Loan and lease loss provision to assets0.0225%3,147
Net operating income to assets0.2703%4,935
Return on assets (ROA)0.2703%4,944
Pretax return on assets0.2872%4,973
Return on Equity (ROE)2.3560%4,918
Retained earnings to average equity (ytd only)2.3560%3,967
Net charge-offs to loans0.1083%1,088
Credit loss provision to net charge-offs38.0952%2,042
Earnings coverage of net charge-offs (x)5.2381%2,268
Efficiency ratio88.3844%463
Assets per employee ($millions)4.6681%2,959
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.5434%5,028
Loan loss allowance to noncurrent loans59.3220%4,085
Noncurrent assets plus other real estate owned to assets0.4893%2,656
Noncurrent loans to loans0.9160%1,827
Net loans and leases to total assets53.1217%4,262
Net loans and leases to deposits60.5194%4,386
Net loans and leases to core deposits62.8931%4,432
Total domestic deposits to total assets87.7763%1,449
Equity capital to assets11.2984%2,564
Core capital (leverage) ratio11.9526%1,806
Tier 1 risk-based capital ratio21.9467%1,058
Total risk-based capital ratio22.5354%1,114
Memoranda:
Average total assets$142,046,5003,505
Average earning assets$135,191,5003,437
Average equity$16,298,5003,553
Average total loans$77,527,0003,743
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3493%5,046
Cost of funding earning assets0.7392%1,852
Net interest margin2.6100%5,153
Noninterest income to average assets0.3318%3,888
Noninterest expense to average assets2.3127%4,089
Loan and lease loss provision to assets0.0320%3,547
Net operating income to assets0.4322%4,804
Return on assets (ROA)0.4322%4,799
Pretax return on assets0.4612%4,854
Return on Equity (ROE)3.6162%4,794
Retained earnings to average equity (ytd only)3.6162%3,594
Net charge-offs to loans0.0862%1,918
Credit loss provision to net charge-offs65.1515%3,049
Earnings coverage of net charge-offs (x)10.0455%2,758
Efficiency ratio82.4231%761
Assets per employee ($millions)4.4962%3,179
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.5568%5,047
Loan loss allowance to noncurrent loans56.6754%4,185
Noncurrent assets plus other real estate owned to assets0.5481%2,407
Noncurrent loans to loans0.9825%1,654
Net loans and leases to total assets55.4792%4,166
Net loans and leases to deposits63.4372%4,278
Net loans and leases to core deposits65.2579%4,391
Total domestic deposits to total assets87.4553%1,560
Equity capital to assets11.6565%2,133
Core capital (leverage) ratio12.2654%1,577
Tier 1 risk-based capital ratio21.7780%1,058
Total risk-based capital ratio22.3824%1,123
Memoranda:
Average total assets$134,434,2003,588
Average earning assets$127,430,8003,535
Average equity$16,066,8003,504
Average total loans$76,593,0003,737
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3280%5,103
Cost of funding earning assets0.6880%1,921
Net interest margin2.6400%5,203
Noninterest income to average assets0.3473%3,816
Noninterest expense to average assets2.4424%3,756
Loan and lease loss provision to assets0.0230%3,559
Net operating income to assets0.3574%5,017
Return on assets (ROA)0.3574%5,015
Pretax return on assets0.3824%5,051
Return on Equity (ROE)2.9709%5,011
Retained earnings to average equity (ytd only)2.9709%4,249
Net charge-offs to loans0.0524%2,077
Credit loss provision to net charge-offs76.6667%2,565
Earnings coverage of net charge-offs (x)13.4998%2,352
Efficiency ratio85.7645%531
Assets per employee ($millions)4.3461%3,364
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.5841%5,068
Loan loss allowance to noncurrent loans87.6953%3,672
Noncurrent assets plus other real estate owned to assets0.3912%3,122
Noncurrent loans to loans0.6661%2,413
Net loans and leases to total assets56.7217%4,156
Net loans and leases to deposits65.1420%4,264
Net loans and leases to core deposits66.7598%4,368
Total domestic deposits to total assets87.0740%1,693
Equity capital to assets12.0309%1,891
Core capital (leverage) ratio12.4152%1,545
Tier 1 risk-based capital ratio23.0466%933
Total risk-based capital ratio23.7171%969
Memoranda:
Average total assets$133,197,2503,635
Average earning assets$126,160,2503,592
Average equity$16,021,7503,541
Average total loans$76,301,0003,776
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3028%5,137
Cost of funding earning assets0.6427%1,972
Net interest margin2.6601%5,243
Noninterest income to average assets0.3497%3,826
Noninterest expense to average assets2.4539%3,766
Loan and lease loss provision to assets0.0347%3,221
Net operating income to assets0.3618%5,034
Return on assets (ROA)0.3618%5,030
Pretax return on assets0.3813%5,067
Return on Equity (ROE)3.0076%5,025
Retained earnings to average equity (ytd only)3.0076%4,047
Net charge-offs to loans0.0473%1,938
Credit loss provision to net charge-offs127.7778%1,738
Earnings coverage of net charge-offs (x)15.3333%2,047
Efficiency ratio85.5042%596
Assets per employee ($millions)4.2866%3,443
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.6066%5,096
Loan loss allowance to noncurrent loans81.5929%3,820
Noncurrent assets plus other real estate owned to assets0.4365%2,977
Noncurrent loans to loans0.7434%2,245
Net loans and leases to total assets56.8454%4,095
Net loans and leases to deposits65.3327%4,205
Net loans and leases to core deposits66.7518%4,325
Total domestic deposits to total assets87.0091%1,838
Equity capital to assets12.1097%1,779
Core capital (leverage) ratio12.3320%1,522
Tier 1 risk-based capital ratio24.1333%821
Total risk-based capital ratio24.8581%843
Memoranda:
Average total assets$132,687,0003,667
Average earning assets$125,710,0003,627
Average equity$15,959,3303,569
Average total loans$76,111,6703,804
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2628%5,179
Cost of funding earning assets0.5927%2,102
Net interest margin2.6702%5,273
Noninterest income to average assets0.3620%3,722
Noninterest expense to average assets2.5643%3,445
Loan and lease loss provision to assets0.0694%2,378
Net operating income to assets0.2383%5,200
Return on assets (ROA)0.2383%5,198
Pretax return on assets0.2564%5,207
Return on Equity (ROE)1.9883%5,182
Retained earnings to average equity (ytd only)1.9883%4,352
Net charge-offs to loans-0.0210%4,587
Credit loss provision to net charge-offs-575.0000%4,046
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.7265%499
Assets per employee ($millions)4.3173%3,455
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.6343%5,126
Loan loss allowance to noncurrent loans58.6165%4,268
Noncurrent assets plus other real estate owned to assets0.6867%2,271
Noncurrent loans to loans1.0821%1,695
Net loans and leases to total assets56.5352%4,079
Net loans and leases to deposits64.8211%4,166
Net loans and leases to core deposits66.4357%4,281
Total domestic deposits to total assets87.2173%2,034
Equity capital to assets11.9025%1,854
Core capital (leverage) ratio12.3090%1,473
Tier 1 risk-based capital ratio24.4568%799
Total risk-based capital ratio25.2317%822
Memoranda:
Average total assets$132,588,0003,703
Average earning assets$125,534,5003,655
Average equity$15,893,0003,602
Average total loans$76,167,5003,832
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2333%5,151
Cost of funding earning assets0.5958%1,623
Net interest margin2.6375%5,327
Noninterest income to average assets0.3251%4,141
Noninterest expense to average assets2.4193%4,019
Loan and lease loss provision to assets0.1215%1,887
Net operating income to assets0.2980%4,931
Return on assets (ROA)0.2980%4,946
Pretax return on assets0.2791%5,229
Return on Equity (ROE)2.5214%4,943
Retained earnings to average equity (ytd only)2.5214%3,817
Net charge-offs to loans0.1446%1,631
Credit loss provision to net charge-offs151.8868%1,758
Earnings coverage of net charge-offs (x)5.0094%3,384
Efficiency ratio85.7945%655
Assets per employee ($millions)4.3780%3,368
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.5985%5,251
Loan loss allowance to noncurrent loans50.8361%4,465
Noncurrent assets plus other real estate owned to assets0.7553%2,069
Noncurrent loans to loans1.1774%1,509
Net loans and leases to total assets57.6607%4,040
Net loans and leases to deposits66.1950%4,171
Net loans and leases to core deposits67.6689%4,319
Total domestic deposits to total assets87.1074%1,939
Equity capital to assets12.0726%1,783
Core capital (leverage) ratio12.2910%1,453
Tier 1 risk-based capital ratio24.4564%774
Total risk-based capital ratio25.1943%801
Memoranda:
Average total assets$132,556,4003,706
Average earning assets$125,383,2003,658
Average equity$15,665,6003,642
Average total loans$73,300,4003,891
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2001%5,231
Cost of funding earning assets0.5855%1,638
Net interest margin2.6146%5,396
Noninterest income to average assets0.3282%4,191
Noninterest expense to average assets2.4135%3,985
Loan and lease loss provision to assets0.0953%2,193
Net operating income to assets0.2398%5,311
Return on assets (ROA)0.2398%5,327
Pretax return on assets0.2930%5,315
Return on Equity (ROE)2.0403%5,301
Retained earnings to average equity (ytd only)2.0403%4,620
Net charge-offs to loans0.1084%1,702
Credit loss provision to net charge-offs161.0169%1,593
Earnings coverage of net charge-offs (x)6.5598%2,975
Efficiency ratio86.1390%622
Assets per employee ($millions)4.4120%3,290
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.5885%5,346
Loan loss allowance to noncurrent loans62.5179%4,283
Noncurrent assets plus other real estate owned to assets0.6157%2,670
Noncurrent loans to loans0.9414%2,039
Net loans and leases to total assets55.7672%4,249
Net loans and leases to deposits63.9243%4,381
Net loans and leases to core deposits65.1400%4,539
Total domestic deposits to total assets87.2394%1,759
Equity capital to assets11.8834%2,047
Core capital (leverage) ratio12.1230%1,616
Tier 1 risk-based capital ratio24.4958%805
Total risk-based capital ratio25.2129%836
Memoranda:
Average total assets$132,860,7503,739
Average earning assets$125,701,7503,687
Average equity$15,618,0003,679
Average total loans$72,578,7503,935
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1657%5,284
Cost of funding earning assets0.5610%1,708
Net interest margin2.6047%5,433
Noninterest income to average assets0.3232%4,239
Noninterest expense to average assets2.3935%4,064
Loan and lease loss provision to assets0.0556%2,861
Net operating income to assets0.2872%5,251
Return on assets (ROA)0.2872%5,265
Pretax return on assets0.3383%5,288
Return on Equity (ROE)2.4517%5,247
Retained earnings to average equity (ytd only)2.4517%4,217
Net charge-offs to loans0.0472%2,272
Credit loss provision to net charge-offs217.6471%1,192
Earnings coverage of net charge-offs (x)15.4118%2,029
Efficiency ratio85.8684%700
Assets per employee ($millions)4.2770%3,475
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.5799%5,412
Loan loss allowance to noncurrent loans93.7639%3,683
Noncurrent assets plus other real estate owned to assets0.4261%3,409
Noncurrent loans to loans0.6185%2,880
Net loans and leases to total assets54.4356%4,356
Net loans and leases to deposits62.3630%4,482
Net loans and leases to core deposits63.5452%4,638
Total domestic deposits to total assets87.2883%1,810
Equity capital to assets11.8255%2,059
Core capital (leverage) ratio12.0508%1,602
Tier 1 risk-based capital ratio25.1211%736
Total risk-based capital ratio25.8352%771
Memoranda:
Average total assets$133,027,3303,768
Average earning assets$125,848,3303,705
Average equity$15,581,0003,693
Average total loans$72,021,3303,975
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1215%5,342
Cost of funding earning assets0.5488%1,722
Net interest margin2.5727%5,489
Noninterest income to average assets0.3302%4,187
Noninterest expense to average assets2.4226%4,049
Loan and lease loss provision to assets0.0660%2,481
Net operating income to assets0.2462%5,311
Return on assets (ROA)0.2462%5,327
Pretax return on assets0.2762%5,346
Return on Equity (ROE)2.1118%5,319
Retained earnings to average equity (ytd only)2.1118%4,299
Net charge-offs to loans-0.0167%4,642
Credit loss provision to net charge-offs-733.3333%4,335
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.6221%687
Assets per employee ($millions)4.3071%3,494
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.5925%5,489
Loan loss allowance to noncurrent loans116.3934%3,342
Noncurrent assets plus other real estate owned to assets0.3610%3,758
Noncurrent loans to loans0.5090%3,287
Net loans and leases to total assets53.5324%4,379
Net loans and leases to deposits61.2417%4,478
Net loans and leases to core deposits62.3926%4,625
Total domestic deposits to total assets87.4117%2,027
Equity capital to assets11.6618%2,073
Core capital (leverage) ratio11.9614%1,654
Tier 1 risk-based capital ratio25.6041%720
Total risk-based capital ratio26.3418%746
Memoranda:
Average total assets$133,248,0003,794
Average earning assets$126,093,5003,736
Average equity$15,532,0003,719
Average total loans$71,734,5004,010
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2713%5,204
Cost of funding earning assets0.5381%1,803
Net interest margin2.7332%5,378
Noninterest income to average assets0.4482%3,560
Noninterest expense to average assets2.4501%4,163
Loan and lease loss provision to assets0.0570%3,245
Net operating income to assets0.4801%4,710
Return on assets (ROA)0.4801%4,786
Pretax return on assets0.5303%4,967
Return on Equity (ROE)4.1899%4,771
Retained earnings to average equity (ytd only)4.1899%2,927
Net charge-offs to loans0.1178%2,077
Credit loss provision to net charge-offs88.2353%2,835
Earnings coverage of net charge-offs (x)9.0941%2,784
Efficiency ratio80.6653%1,342
Assets per employee ($millions)4.2895%3,450
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.5603%5,590
Loan loss allowance to noncurrent loans62.0743%4,398
Noncurrent assets plus other real estate owned to assets0.5730%3,014
Noncurrent loans to loans0.9027%2,292
Net loans and leases to total assets53.5176%4,481
Net loans and leases to deposits61.1641%4,605
Net loans and leases to core deposits62.1746%4,748
Total domestic deposits to total assets87.4984%1,881
Equity capital to assets11.6511%2,042
Core capital (leverage) ratio12.0271%1,583
Tier 1 risk-based capital ratio25.5476%721
Total risk-based capital ratio26.2470%758
Memoranda:
Average total assets$131,628,6003,804
Average earning assets$124,690,8003,741
Average equity$15,084,0003,799
Average total loans$72,158,4003,991
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3214%5,182
Cost of funding earning assets0.5346%1,839
Net interest margin2.7867%5,376
Noninterest income to average assets0.4103%3,845
Noninterest expense to average assets2.4677%4,082
Loan and lease loss provision to assets0.0457%3,328
Net operating income to assets0.4123%4,980
Return on assets (ROA)0.4123%5,072
Pretax return on assets0.5382%5,042
Return on Equity (ROE)3.6132%5,049
Retained earnings to average equity (ytd only)3.6132%3,722
Net charge-offs to loans0.0590%2,504
Credit loss provision to net charge-offs140.6250%1,859
Earnings coverage of net charge-offs (x)17.9670%2,025
Efficiency ratio80.8652%1,316
Assets per employee ($millions)4.2104%3,574
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.5929%5,619
Loan loss allowance to noncurrent loans76.2590%4,127
Noncurrent assets plus other real estate owned to assets0.4796%3,518
Noncurrent loans to loans0.7775%2,730
Net loans and leases to total assets54.4633%4,449
Net loans and leases to deposits62.3490%4,607
Net loans and leases to core deposits63.3955%4,755
Total domestic deposits to total assets87.3522%1,736
Equity capital to assets11.6349%2,411
Core capital (leverage) ratio11.8734%1,770
Tier 1 risk-based capital ratio25.3719%775
Total risk-based capital ratio26.1075%811
Memoranda:
Average total assets$131,292,0003,828
Average earning assets$124,443,2503,769
Average equity$14,981,7503,839
Average total loans$72,306,5004,012
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3314%5,220
Cost of funding earning assets0.5371%1,806
Net interest margin2.7943%5,431
Noninterest income to average assets0.4318%3,653
Noninterest expense to average assets2.4888%4,061
Loan and lease loss provision to assets0.0456%3,238
Net operating income to assets0.4135%4,994
Return on assets (ROA)0.4135%5,079
Pretax return on assets0.5473%5,033
Return on Equity (ROE)3.6477%5,037
Retained earnings to average equity (ytd only)3.6477%3,571
Net charge-offs to loans0.0331%2,789
Credit loss provision to net charge-offs250.0000%1,099
Earnings coverage of net charge-offs (x)32.5000%1,335
Efficiency ratio80.7597%1,407
Assets per employee ($millions)4.2212%3,519
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.5973%5,687
Loan loss allowance to noncurrent loans62.7193%4,514
Noncurrent assets plus other real estate owned to assets0.5456%3,387
Noncurrent loans to loans0.9523%2,380
Net loans and leases to total assets54.5599%4,455
Net loans and leases to deposits62.4031%4,624
Net loans and leases to core deposits63.4439%4,782
Total domestic deposits to total assets87.4314%1,701
Equity capital to assets11.5033%2,545
Core capital (leverage) ratio11.7588%1,804
Tier 1 risk-based capital ratio25.3343%787
Total risk-based capital ratio26.0801%815
Memoranda:
Average total assets$131,549,0003,851
Average earning assets$124,753,3303,784
Average equity$14,913,6703,873
Average total loans$72,572,0004,026
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3356%5,247
Cost of funding earning assets0.5463%1,746
Net interest margin2.7892%5,484
Noninterest income to average assets0.4306%3,611
Noninterest expense to average assets2.5172%4,015
Loan and lease loss provision to assets0.0455%3,013
Net operating income to assets0.3912%5,020
Return on assets (ROA)0.3912%5,096
Pretax return on assets0.5156%5,043
Return on Equity (ROE)3.4762%5,075
Retained earnings to average equity (ytd only)3.4762%3,760
Net charge-offs to loans0.0110%2,755
Credit loss provision to net charge-offs750.0000%450
Earnings coverage of net charge-offs (x)92.5000%566
Efficiency ratio81.7734%1,389
Assets per employee ($millions)4.1113%3,741
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.5843%5,764
Loan loss allowance to noncurrent loans66.8770%4,405
Noncurrent assets plus other real estate owned to assets0.5047%3,587
Noncurrent loans to loans0.8737%2,662
Net loans and leases to total assets54.8331%4,370
Net loans and leases to deposits62.5636%4,540
Net loans and leases to core deposits64.1367%4,680
Total domestic deposits to total assets87.6438%1,836
Equity capital to assets11.3316%2,592
Core capital (leverage) ratio11.5751%1,924
Tier 1 risk-based capital ratio24.9763%815
Total risk-based capital ratio25.6973%856
Memoranda:
Average total assets$131,894,5003,885
Average earning assets$125,196,0003,801
Average equity$14,844,0003,886
Average total loans$72,945,5004,050
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3809%5,204
Cost of funding earning assets0.5619%1,661
Net interest margin2.8190%5,479
Noninterest income to average assets0.2921%4,800
Noninterest expense to average assets2.3894%4,536
Loan and lease loss provision to assets0.0335%3,686
Net operating income to assets0.5188%4,622
Return on assets (ROA)0.5188%4,701
Pretax return on assets0.5523%4,983
Return on Equity (ROE)4.7516%4,630
Retained earnings to average equity (ytd only)4.7516%2,611
Net charge-offs to loans0.1037%2,369
Credit loss provision to net charge-offs57.8947%3,287
Earnings coverage of net charge-offs (x)10.1316%2,731
Efficiency ratio80.3119%1,630
Assets per employee ($millions)4.2654%3,457
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.5605%5,856
Loan loss allowance to noncurrent loans95.1389%3,783
Noncurrent assets plus other real estate owned to assets0.3381%4,236
Noncurrent loans to loans0.5891%3,403
Net loans and leases to total assets55.1449%4,372
Net loans and leases to deposits62.7875%4,567
Net loans and leases to core deposits64.3512%4,718
Total domestic deposits to total assets87.8278%1,732
Equity capital to assets11.1777%2,652
Core capital (leverage) ratio11.5407%1,928
Tier 1 risk-based capital ratio24.5419%859
Total risk-based capital ratio25.2321%917
Memoranda:
Average total assets$131,457,8003,864
Average earning assets$125,116,2003,789
Average equity$14,353,2003,930
Average total loans$73,307,0004,015
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3893%5,224
Cost of funding earning assets0.5633%1,686
Net interest margin2.8260%5,534
Noninterest income to average assets0.3271%4,594
Noninterest expense to average assets2.4956%4,209
Loan and lease loss provision to assets0.0295%3,651
Net operating income to assets0.3799%5,235
Return on assets (ROA)0.3799%5,315
Pretax return on assets0.4926%5,235
Return on Equity (ROE)3.5002%5,216
Retained earnings to average equity (ytd only)3.5002%3,976
Net charge-offs to loans0.1401%1,723
Credit loss provision to net charge-offs37.6623%3,191
Earnings coverage of net charge-offs (x)6.6756%3,016
Efficiency ratio82.6994%1,307
Assets per employee ($millions)4.2192%3,482
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.5433%5,977
Loan loss allowance to noncurrent loans77.9093%4,214
Noncurrent assets plus other real estate owned to assets0.4985%3,830
Noncurrent loans to loans0.6973%3,236
Net loans and leases to total assets55.2853%4,426
Net loans and leases to deposits62.9410%4,648
Net loans and leases to core deposits64.5202%4,791
Total domestic deposits to total assets87.8368%1,641
Equity capital to assets11.0286%2,989
Core capital (leverage) ratio11.3006%2,197
Tier 1 risk-based capital ratio24.4893%897
Total risk-based capital ratio25.1576%940
Memoranda:
Average total assets$131,265,2503,908
Average earning assets$124,977,2503,833
Average equity$14,246,5003,985
Average total loans$73,301,7504,052
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3751%5,284
Cost of funding earning assets0.5649%1,685
Net interest margin2.8102%5,594
Noninterest income to average assets0.3272%4,604
Noninterest expense to average assets2.4638%4,356
Loan and lease loss provision to assets0.0183%3,762
Net operating income to assets0.4048%5,120
Return on assets (ROA)0.4048%5,227
Pretax return on assets0.5250%5,162
Return on Equity (ROE)3.7499%5,116
Retained earnings to average equity (ytd only)3.7499%3,620
Net charge-offs to loans0.1932%1,299
Credit loss provision to net charge-offs16.9014%3,047
Earnings coverage of net charge-offs (x)5.0282%2,967
Efficiency ratio81.9332%1,498
Assets per employee ($millions)4.2512%3,384
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.5284%6,061
Loan loss allowance to noncurrent loans61.0493%4,727
Noncurrent assets plus other real estate owned to assets0.5782%3,679
Noncurrent loans to loans0.8656%2,962
Net loans and leases to total assets54.8476%4,472
Net loans and leases to deposits62.3605%4,675
Net loans and leases to core deposits63.9076%4,811
Total domestic deposits to total assets87.9525%1,670
Equity capital to assets10.8637%3,034
Core capital (leverage) ratio11.1730%2,265
Tier 1 risk-based capital ratio24.2060%936
Total risk-based capital ratio24.8517%981
Memoranda:
Average total assets$131,421,6703,935
Average earning assets$125,330,6703,856
Average equity$14,187,0004,014
Average total loans$73,500,3304,072
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4290%5,147
Cost of funding earning assets0.5768%1,605
Net interest margin2.8522%5,542
Noninterest income to average assets0.2956%4,804
Noninterest expense to average assets2.4048%4,579
Loan and lease loss provision to assets0.0274%3,335
Net operating income to assets0.4298%4,946
Return on assets (ROA)0.4298%5,070
Pretax return on assets0.5913%4,936
Return on Equity (ROE)3.9938%4,987
Retained earnings to average equity (ytd only)3.9938%3,608
Net charge-offs to loans0.1678%1,269
Credit loss provision to net charge-offs29.0323%2,285
Earnings coverage of net charge-offs (x)6.5484%2,274
Efficiency ratio79.5363%1,954
Assets per employee ($millions)4.2331%3,499
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.5703%6,093
Loan loss allowance to noncurrent loans111.3757%3,436
Noncurrent assets plus other real estate owned to assets0.3223%4,698
Noncurrent loans to loans0.5120%4,042
Net loans and leases to total assets55.9375%4,211
Net loans and leases to deposits63.0039%4,482
Net loans and leases to core deposits64.5531%4,650
Total domestic deposits to total assets88.7841%1,400
Equity capital to assets10.8158%3,180
Core capital (leverage) ratio10.4598%3,021
Tier 1 risk-based capital ratio22.9270%1,114
Total risk-based capital ratio23.6176%1,172
Memoranda:
Average total assets$131,239,0003,966
Average earning assets$125,516,0003,878
Average equity$14,122,0004,054
Average total loans$73,917,5004,082
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3584%5,609
Cost of funding earning assets0.6320%1,539
Net interest margin2.7263%5,903
Noninterest income to average assets0.2138%5,575
Noninterest expense to average assets2.1641%5,425
Loan and lease loss provision to assets0.0400%3,775
Net operating income to assets0.5635%4,538
Return on assets (ROA)0.5635%4,633
Pretax return on assets0.6164%4,889
Return on Equity (ROE)5.4140%4,451
Retained earnings to average equity (ytd only)5.4140%2,321
Net charge-offs to loans0.0215%4,411
Credit loss provision to net charge-offs331.2500%793
Earnings coverage of net charge-offs (x)54.3125%863
Efficiency ratio76.7274%2,404
Assets per employee ($millions)4.2340%3,472
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.5986%6,145
Loan loss allowance to noncurrent loans43.0097%5,292
Noncurrent assets plus other real estate owned to assets0.7886%3,233
Noncurrent loans to loans1.3917%2,106
Net loans and leases to total assets56.0498%4,326
Net loans and leases to deposits63.5327%4,577
Net loans and leases to core deposits65.1007%4,744
Total domestic deposits to total assets88.2220%1,649
Equity capital to assets10.7053%3,228
Core capital (leverage) ratio11.0215%2,393
Tier 1 risk-based capital ratio23.8288%975
Total risk-based capital ratio24.5585%1,009
Memoranda:
Average total assets$132,387,6003,934
Average earning assets$126,580,0003,829
Average equity$13,779,2004,058
Average total loans$74,304,8004,046
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3560%5,665
Cost of funding earning assets0.6380%1,537
Net interest margin2.7180%5,983
Noninterest income to average assets0.2110%5,668
Noninterest expense to average assets2.2270%5,293
Loan and lease loss provision to assets0.0301%3,808
Net operating income to assets0.4050%5,232
Return on assets (ROA)0.4050%5,308
Pretax return on assets0.5527%5,180
Return on Equity (ROE)3.9188%5,202
Retained earnings to average equity (ytd only)3.9188%3,858
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2561%2,017
Assets per employee ($millions)4.2165%3,447
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.5883%6,241
Loan loss allowance to noncurrent loans47.2373%5,242
Noncurrent assets plus other real estate owned to assets0.7061%3,701
Noncurrent loans to loans1.2454%2,558
Net loans and leases to total assets56.3632%4,285
Net loans and leases to deposits63.3559%4,604
Net loans and leases to core deposits64.7331%4,827
Total domestic deposits to total assets88.9628%1,260
Equity capital to assets10.6501%3,369
Core capital (leverage) ratio10.8038%2,691
Tier 1 risk-based capital ratio23.2867%1,079
Total risk-based capital ratio24.0057%1,128
Memoranda:
Average total assets$132,671,2503,960
Average earning assets$126,854,5003,857
Average equity$13,711,2504,094
Average total loans$74,378,5004,071
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3595%5,694
Cost of funding earning assets0.6402%1,587
Net interest margin2.7193%6,029
Noninterest income to average assets0.2100%5,695
Noninterest expense to average assets2.2442%5,303
Loan and lease loss provision to assets0.0405%3,504
Net operating income to assets0.3900%5,263
Return on assets (ROA)0.3900%5,331
Pretax return on assets0.5250%5,206
Return on Equity (ROE)3.8119%5,228
Retained earnings to average equity (ytd only)3.8119%3,754
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8719%2,043
Assets per employee ($millions)4.0031%3,830
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.5875%6,327
Loan loss allowance to noncurrent loans88.5481%3,925
Noncurrent assets plus other real estate owned to assets0.3702%4,915
Noncurrent loans to loans0.6635%4,049
Net loans and leases to total assets55.4609%4,351
Net loans and leases to deposits62.7017%4,623
Net loans and leases to core deposits63.9149%4,824
Total domestic deposits to total assets88.4521%1,660
Equity capital to assets10.4328%3,527
Core capital (leverage) ratio10.5820%2,843
Tier 1 risk-based capital ratio23.2638%1,074
Total risk-based capital ratio23.9844%1,132
Memoranda:
Average total assets$133,324,0003,972
Average earning assets$127,460,6703,862
Average equity$13,641,3304,112
Average total loans$74,468,0004,090
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3621%5,724
Cost of funding earning assets0.6400%1,646
Net interest margin2.7221%6,077
Noninterest income to average assets0.2270%5,535
Noninterest expense to average assets2.3355%5,111
Loan and lease loss provision to assets0.0567%2,979
Net operating income to assets0.3016%5,488
Return on assets (ROA)0.3016%5,531
Pretax return on assets0.4390%5,336
Return on Equity (ROE)2.9769%5,466
Retained earnings to average equity (ytd only)2.9769%4,322
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4895%1,866
Assets per employee ($millions)4.1915%3,547
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.5707%6,442
Loan loss allowance to noncurrent loans74.5614%4,349
Noncurrent assets plus other real estate owned to assets0.4250%4,861
Noncurrent loans to loans0.7654%3,951
Net loans and leases to total assets55.2025%4,256
Net loans and leases to deposits62.2149%4,523
Net loans and leases to core deposits63.3905%4,742
Total domestic deposits to total assets88.7287%1,814
Equity capital to assets10.1567%3,659
Core capital (leverage) ratio10.3036%3,169
Tier 1 risk-based capital ratio22.7426%1,175
Total risk-based capital ratio23.4420%1,243
Memoranda:
Average total assets$133,935,0003,993
Average earning assets$128,135,0003,886
Average equity$13,571,0004,134
Average total loans$74,853,0004,106
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3914%5,852
Cost of funding earning assets0.7075%1,763
Net interest margin2.6839%6,162
Noninterest income to average assets0.2184%5,772
Noninterest expense to average assets1.9977%6,031
Loan and lease loss provision to assets0.0637%3,859
Net operating income to assets0.5265%4,613
Return on assets (ROA)0.5265%4,735
Pretax return on assets0.7242%4,444
Return on Equity (ROE)5.4593%4,419
Retained earnings to average equity (ytd only)5.4593%2,305
Net charge-offs to loans0.1770%3,059
Credit loss provision to net charge-offs65.1515%3,424
Earnings coverage of net charge-offs (x)8.0606%2,738
Efficiency ratio71.7172%3,529
Assets per employee ($millions)4.1794%3,487
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.5396%6,538
Loan loss allowance to noncurrent loans59.7938%4,872
Noncurrent assets plus other real estate owned to assets0.5152%4,697
Noncurrent loans to loans0.9025%3,730
Net loans and leases to total assets55.9533%4,324
Net loans and leases to deposits62.9219%4,621
Net loans and leases to core deposits64.1094%4,857
Total domestic deposits to total assets88.9249%1,680
Equity capital to assets10.1083%3,624
Core capital (leverage) ratio10.2578%3,208
Tier 1 risk-based capital ratio22.5875%1,164
Total risk-based capital ratio23.2560%1,234
Memoranda:
Average total assets$135,053,2003,981
Average earning assets$129,179,2003,865
Average equity$13,023,6004,263
Average total loans$74,589,2004,106
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4021%5,872
Cost of funding earning assets0.7177%1,825
Net interest margin2.6844%6,202
Noninterest income to average assets0.2196%5,856
Noninterest expense to average assets2.1342%5,761
Loan and lease loss provision to assets0.0699%3,665
Net operating income to assets0.4186%5,169
Return on assets (ROA)0.4186%5,314
Pretax return on assets0.5830%5,085
Return on Equity (ROE)4.3927%5,030
Retained earnings to average equity (ytd only)4.3927%3,549
Net charge-offs to loans0.1415%3,125
Credit loss provision to net charge-offs89.8734%2,641
Earnings coverage of net charge-offs (x)8.3925%2,629
Efficiency ratio76.5724%2,636
Assets per employee ($millions)4.2246%3,376
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.5961%6,564
Loan loss allowance to noncurrent loans62.0979%4,734
Noncurrent assets plus other real estate owned to assets0.5289%4,856
Noncurrent loans to loans0.9599%3,896
Net loans and leases to total assets54.7712%4,491
Net loans and leases to deposits60.9217%4,872
Net loans and leases to core deposits62.0411%5,112
Total domestic deposits to total assets89.9043%1,057
Equity capital to assets9.6970%4,308
Core capital (leverage) ratio9.9367%3,760
Tier 1 risk-based capital ratio22.0155%1,317
Total risk-based capital ratio22.7432%1,375
Memoranda:
Average total assets$135,381,0004,005
Average earning assets$129,487,0003,895
Average equity$12,899,7504,333
Average total loans$74,426,7504,133
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4202%5,859
Cost of funding earning assets0.7239%1,895
Net interest margin2.6963%6,182
Noninterest income to average assets0.2318%5,786
Noninterest expense to average assets2.1366%5,785
Loan and lease loss provision to assets0.0827%3,416
Net operating income to assets0.4223%5,134
Return on assets (ROA)0.4223%5,290
Pretax return on assets0.5921%5,044
Return on Equity (ROE)4.4583%5,020
Retained earnings to average equity (ytd only)4.4583%3,429
Net charge-offs to loans0.2123%2,493
Credit loss provision to net charge-offs70.8861%2,802
Earnings coverage of net charge-offs (x)5.7848%2,830
Efficiency ratio75.9979%2,787
Assets per employee ($millions)4.1996%3,357
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.5770%6,639
Loan loss allowance to noncurrent loans50.5896%5,179
Noncurrent assets plus other real estate owned to assets0.6362%4,642
Noncurrent loans to loans1.1406%3,649
Net loans and leases to total assets55.0046%4,449
Net loans and leases to deposits61.1907%4,836
Net loans and leases to core deposits62.3195%5,068
Total domestic deposits to total assets89.8904%1,088
Equity capital to assets9.6512%4,387
Core capital (leverage) ratio9.8923%3,660
Tier 1 risk-based capital ratio21.7496%1,341
Total risk-based capital ratio22.4515%1,414
Memoranda:
Average total assets$135,446,0004,037
Average earning assets$129,584,0003,914
Average equity$12,830,0004,369
Average total loans$74,406,6704,159
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4648%5,797
Cost of funding earning assets0.7361%1,948
Net interest margin2.7287%6,169
Noninterest income to average assets0.2177%5,914
Noninterest expense to average assets2.1151%5,883
Loan and lease loss provision to assets0.0588%3,652
Net operating income to assets0.4618%4,862
Return on assets (ROA)0.4618%5,023
Pretax return on assets0.6501%4,777
Return on Equity (ROE)4.9216%4,618
Retained earnings to average equity (ytd only)4.9216%3,284
Net charge-offs to loans0.1075%2,797
Credit loss provision to net charge-offs100.0000%1,815
Earnings coverage of net charge-offs (x)12.0500%1,628
Efficiency ratio74.8958%3,112
Assets per employee ($millions)4.2218%3,496
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.6082%6,698
Loan loss allowance to noncurrent loans64.2045%4,547
Noncurrent assets plus other real estate owned to assets0.5322%5,064
Noncurrent loans to loans0.9473%4,249
Net loans and leases to total assets54.6770%4,298
Net loans and leases to deposits61.2364%4,653
Net loans and leases to core deposits62.3624%4,919
Total domestic deposits to total assets89.2884%1,495
Equity capital to assets9.5035%4,844
Core capital (leverage) ratio9.7448%3,733
Tier 1 risk-based capital ratio21.4121%1,446
Total risk-based capital ratio22.1472%1,533
Memoranda:
Average total assets$135,975,5004,064
Average earning assets$129,879,0003,943
Average equity$12,760,0004,426
Average total loans$74,436,0004,189
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7249%6,005
Cost of funding earning assets0.9149%1,849
Net interest margin2.8100%6,373
Noninterest income to average assets0.1836%6,086
Noninterest expense to average assets2.2481%5,815
Loan and lease loss provision to assets0.1261%4,037
Net operating income to assets0.3598%5,255
Return on assets (ROA)0.3598%5,481
Pretax return on assets0.5031%5,268
Return on Equity (ROE)3.8412%5,206
Retained earnings to average equity (ytd only)3.8412%3,496
Net charge-offs to loans0.1571%4,127
Credit loss provision to net charge-offs145.6897%1,874
Earnings coverage of net charge-offs (x)7.2672%2,645
Efficiency ratio78.1323%2,428
Assets per employee ($millions)4.1471%3,655
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.6063%6,749
Loan loss allowance to noncurrent loans51.0734%5,078
Noncurrent assets plus other real estate owned to assets0.7102%4,706
Noncurrent loans to loans1.1871%3,873
Net loans and leases to total assets54.1460%4,601
Net loans and leases to deposits61.4431%4,850
Net loans and leases to core deposits62.5705%5,102
Total domestic deposits to total assets88.1238%2,154
Equity capital to assets9.2661%5,187
Core capital (leverage) ratio9.5050%4,097
Tier 1 risk-based capital ratio21.0646%1,445
Total risk-based capital ratio21.7965%1,524
Memoranda:
Average total assets$133,977,6004,063
Average earning assets$128,433,0003,936
Average equity$12,548,0004,455
Average total loans$73,824,2004,213
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8060%6,010
Cost of funding earning assets0.9486%1,857
Net interest margin2.8574%6,425
Noninterest income to average assets0.1791%6,233
Noninterest expense to average assets2.2302%5,883
Loan and lease loss provision to assets0.0790%4,646
Net operating income to assets0.4132%5,195
Return on assets (ROA)0.4132%5,424
Pretax return on assets0.6123%5,129
Return on Equity (ROE)4.4000%5,095
Retained earnings to average equity (ytd only)4.4000%3,793
Net charge-offs to loans0.2100%3,473
Credit loss provision to net charge-offs68.1034%3,956
Earnings coverage of net charge-offs (x)5.9570%2,884
Efficiency ratio76.3356%2,625
Assets per employee ($millions)4.0562%3,759
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.4847%6,961
Loan loss allowance to noncurrent loans44.6914%5,417
Noncurrent assets plus other real estate owned to assets0.6858%4,975
Noncurrent loans to loans1.0845%4,268
Net loans and leases to total assets55.5307%4,519
Net loans and leases to deposits62.1369%4,954
Net loans and leases to core deposits62.7702%5,288
Total domestic deposits to total assets89.3683%1,205
Equity capital to assets9.4879%5,219
Core capital (leverage) ratio9.6665%4,020
Tier 1 risk-based capital ratio21.5668%1,407
Total risk-based capital ratio22.1702%1,511
Memoranda:
Average total assets$133,258,5004,113
Average earning assets$127,899,7503,982
Average equity$12,514,7504,500
Average total loans$73,642,0004,271
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8822%5,951
Cost of funding earning assets0.9702%1,934
Net interest margin2.9121%6,409
Noninterest income to average assets0.1864%6,237
Noninterest expense to average assets2.2636%5,836
Loan and lease loss provision to assets0.0286%5,314
Net operating income to assets0.4765%4,926
Return on assets (ROA)0.4765%5,172
Pretax return on assets0.6914%4,851
Return on Equity (ROE)5.0911%4,766
Retained earnings to average equity (ytd only)5.0911%3,231
Net charge-offs to loans0.0273%4,996
Credit loss provision to net charge-offs190.0000%1,488
Earnings coverage of net charge-offs (x)47.9000%759
Efficiency ratio75.8690%2,762
Assets per employee ($millions)4.0486%3,772
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.5522%6,979
Loan loss allowance to noncurrent loans55.0607%4,862
Noncurrent assets plus other real estate owned to assets0.5756%5,324
Noncurrent loans to loans1.0029%4,503
Net loans and leases to total assets54.9942%4,633
Net loans and leases to deposits61.0481%5,125
Net loans and leases to core deposits61.6639%5,421
Total domestic deposits to total assets90.0835%882
Equity capital to assets9.4338%5,151
Core capital (leverage) ratio9.6127%3,977
Tier 1 risk-based capital ratio21.9362%1,309
Total risk-based capital ratio22.6331%1,387
Memoranda:
Average total assets$133,060,0004,141
Average earning assets$127,813,3303,999
Average equity$12,453,0004,515
Average total loans$73,292,0004,304
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9318%5,945
Cost of funding earning assets0.9712%2,151
Net interest margin2.9606%6,373
Noninterest income to average assets0.1958%6,213
Noninterest expense to average assets2.2111%6,014
Loan and lease loss provision to assets0.0211%5,074
Net operating income to assets0.5452%4,621
Return on assets (ROA)0.5452%4,833
Pretax return on assets0.8103%4,373
Return on Equity (ROE)5.8493%4,377
Retained earnings to average equity (ytd only)5.8493%3,046
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6733%3,315
Assets per employee ($millions)4.0511%3,900
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.5606%7,020
Loan loss allowance to noncurrent loans52.5226%4,923
Noncurrent assets plus other real estate owned to assets0.5782%5,444
Noncurrent loans to loans1.0674%4,569
Net loans and leases to total assets53.8676%4,748
Net loans and leases to deposits59.7156%5,188
Net loans and leases to core deposits60.3153%5,500
Total domestic deposits to total assets90.2070%965
Equity capital to assets9.3263%5,058
Core capital (leverage) ratio9.5050%4,041
Tier 1 risk-based capital ratio22.2504%1,245
Total risk-based capital ratio22.9614%1,307
Memoranda:
Average total assets$132,787,5004,167
Average earning assets$127,678,5004,022
Average equity$12,377,5004,534
Average total loans$72,996,5004,347
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9525%6,545
Cost of funding earning assets1.1259%2,494
Net interest margin2.8266%6,790
Noninterest income to average assets0.1993%6,076
Noninterest expense to average assets2.2038%6,261
Loan and lease loss provision to assets0.0586%5,868
Net operating income to assets0.4367%4,705
Return on assets (ROA)0.4367%4,909
Pretax return on assets0.6641%4,457
Return on Equity (ROE)4.7521%4,501
Retained earnings to average equity (ytd only)4.7521%2,821
Net charge-offs to loans-0.1281%7,165
Credit loss provision to net charge-offs-77.7778%6,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3054%3,007
Assets per employee ($millions)3.9966%3,860
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.5423%7,071
Loan loss allowance to noncurrent loans61.3846%4,442
Noncurrent assets plus other real estate owned to assets0.4928%5,735
Noncurrent loans to loans0.8835%4,924
Net loans and leases to total assets55.4819%4,797
Net loans and leases to deposits61.4825%5,313
Net loans and leases to core deposits62.1013%5,643
Total domestic deposits to total assets90.2402%853
Equity capital to assets9.3162%5,128
Core capital (leverage) ratio9.4972%4,028
Tier 1 risk-based capital ratio24.2540%945
Total risk-based capital ratio25.0266%972
Memoranda:
Average total assets$131,452,6004,140
Average earning assets$126,831,2003,998
Average equity$12,078,8004,534
Average total loans$77,305,6004,234
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9507%6,659
Cost of funding earning assets1.1573%2,587
Net interest margin2.7934%6,894
Noninterest income to average assets0.2101%6,110
Noninterest expense to average assets2.1703%6,342
Loan and lease loss provision to assets0.0670%5,614
Net operating income to assets0.4050%4,972
Return on assets (ROA)0.4050%5,158
Pretax return on assets0.6679%4,582
Return on Equity (ROE)4.4234%4,807
Retained earnings to average equity (ytd only)4.4234%3,579
Net charge-offs to loans-0.1687%7,243
Credit loss provision to net charge-offs-66.6667%6,484
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7030%3,048
Assets per employee ($millions)4.0069%3,826
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.5195%7,156
Loan loss allowance to noncurrent loans60.7752%4,421
Noncurrent assets plus other real estate owned to assets0.5717%5,688
Noncurrent loans to loans0.8548%5,158
Net loans and leases to total assets56.7668%4,723
Net loans and leases to deposits62.8609%5,309
Net loans and leases to core deposits63.4883%5,671
Total domestic deposits to total assets90.3053%719
Equity capital to assets9.2523%5,445
Core capital (leverage) ratio9.3405%4,393
Tier 1 risk-based capital ratio23.5437%1,064
Total risk-based capital ratio24.2909%1,123
Memoranda:
Average total assets$131,343,7504,169
Average earning assets$126,725,2504,021
Average equity$12,026,7504,564
Average total loans$78,238,7504,239
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9628%6,719
Cost of funding earning assets1.1733%2,757
Net interest margin2.7894%6,935
Noninterest income to average assets0.1938%6,280
Noninterest expense to average assets2.1900%6,411
Loan and lease loss provision to assets0.0534%5,645
Net operating income to assets0.3739%5,061
Return on assets (ROA)0.3739%5,208
Pretax return on assets0.6425%4,599
Return on Equity (ROE)4.0978%4,885
Retained earnings to average equity (ytd only)4.0978%3,589
Net charge-offs to loans-0.3107%7,352
Credit loss provision to net charge-offs-28.4553%6,215
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8858%3,034
Assets per employee ($millions)3.9939%3,767
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.4968%7,234
Loan loss allowance to noncurrent loans44.1514%5,375
Noncurrent assets plus other real estate owned to assets0.6624%5,577
Noncurrent loans to loans1.1252%4,779
Net loans and leases to total assets58.5058%4,543
Net loans and leases to deposits64.6842%5,190
Net loans and leases to core deposits65.5196%5,562
Total domestic deposits to total assets90.4483%737
Equity capital to assets9.1655%5,329
Core capital (leverage) ratio9.2540%4,319
Tier 1 risk-based capital ratio23.0389%1,112
Total risk-based capital ratio23.7661%1,165
Memoranda:
Average total assets$131,049,3304,207
Average earning assets$126,477,0004,058
Average equity$11,957,6704,568
Average total loans$79,167,3304,250
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0186%6,665
Cost of funding earning assets1.1831%2,923
Net interest margin2.8355%6,859
Noninterest income to average assets0.1990%6,297
Noninterest expense to average assets2.2376%6,334
Loan and lease loss provision to assets0.0490%5,385
Net operating income to assets0.3765%5,041
Return on assets (ROA)0.3765%5,123
Pretax return on assets0.6489%4,493
Return on Equity (ROE)4.1357%4,829
Retained earnings to average equity (ytd only)4.1357%3,683
Net charge-offs to loans-0.8500%7,469
Credit loss provision to net charge-offs-9.4118%5,586
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2252%3,121
Assets per employee ($millions)3.9798%3,878
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.5510%7,254
Loan loss allowance to noncurrent loans85.6582%3,330
Noncurrent assets plus other real estate owned to assets0.4470%6,092
Noncurrent loans to loans0.6433%5,745
Net loans and leases to total assets59.9141%4,282
Net loans and leases to deposits66.2248%4,943
Net loans and leases to core deposits66.9318%5,407
Total domestic deposits to total assets90.4708%855
Equity capital to assets9.1051%5,039
Core capital (leverage) ratio9.1940%4,298
Tier 1 risk-based capital ratio22.5465%1,137
Total risk-based capital ratio23.3606%1,185
Memoranda:
Average total assets$130,674,5004,241
Average earning assets$126,113,5004,104
Average equity$11,896,5004,577
Average total loans$80,003,5004,253
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4398%6,542
Cost of funding earning assets1.4888%2,709
Net interest margin2.9510%6,818
Noninterest income to average assets0.2146%6,279
Noninterest expense to average assets2.3082%6,337
Loan and lease loss provision to assets0.0720%6,427
Net operating income to assets0.4206%4,461
Return on assets (ROA)0.4206%4,586
Pretax return on assets0.6731%4,079
Return on Equity (ROE)4.6916%4,210
Retained earnings to average equity (ytd only)4.6916%2,613
Net charge-offs to loans0.0807%6,017
Credit loss provision to net charge-offs136.7647%2,802
Earnings coverage of net charge-offs (x)14.1471%1,364
Efficiency ratio75.5961%3,110
Assets per employee ($millions)3.9399%3,914
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.3091%7,479
Loan loss allowance to noncurrent loans34.0599%6,040
Noncurrent assets plus other real estate owned to assets0.6284%5,750
Noncurrent loans to loans0.9075%5,242
Net loans and leases to total assets62.0185%4,281
Net loans and leases to deposits68.5337%5,032
Net loans and leases to core deposits69.2702%5,511
Total domestic deposits to total assets90.4935%838
Equity capital to assets9.1027%4,987
Core capital (leverage) ratio9.1925%4,180
Tier 1 risk-based capital ratio22.1288%1,155
Total risk-based capital ratio22.5917%1,243
Memoranda:
Average total assets$129,107,2004,290
Average earning assets$124,194,2004,149
Average equity$11,574,0004,716
Average total loans$84,225,2004,208
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5344%6,515
Cost of funding earning assets1.5431%2,712
Net interest margin2.9913%6,853
Noninterest income to average assets0.2255%6,285
Noninterest expense to average assets2.2863%6,368
Loan and lease loss provision to assets0.0797%6,250
Net operating income to assets0.4293%4,630
Return on assets (ROA)0.4293%4,809
Pretax return on assets0.7335%4,135
Return on Equity (ROE)4.8078%4,403
Retained earnings to average equity (ytd only)4.8078%3,125
Net charge-offs to loans0.0878%5,650
Credit loss provision to net charge-offs137.5000%2,904
Earnings coverage of net charge-offs (x)14.0366%1,543
Efficiency ratio73.7650%3,367
Assets per employee ($millions)4.0273%3,778
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.2925%7,594
Loan loss allowance to noncurrent loans34.4491%6,028
Noncurrent assets plus other real estate owned to assets0.6246%5,883
Noncurrent loans to loans0.8490%5,524
Net loans and leases to total assets65.3382%3,835
Net loans and leases to deposits72.2378%4,805
Net loans and leases to core deposits73.0158%5,404
Total domestic deposits to total assets90.4488%660
Equity capital to assets9.0942%5,451
Core capital (leverage) ratio9.1746%4,414
Tier 1 risk-based capital ratio21.5452%1,276
Total risk-based capital ratio21.9953%1,382
Memoranda:
Average total assets$128,880,0004,354
Average earning assets$123,821,0004,204
Average equity$11,508,7504,803
Average total loans$85,060,5004,252
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5723%6,533
Cost of funding earning assets1.5855%2,742
Net interest margin2.9868%6,857
Noninterest income to average assets0.2359%6,217
Noninterest expense to average assets2.3106%6,327
Loan and lease loss provision to assets0.0853%6,072
Net operating income to assets0.4081%4,719
Return on assets (ROA)0.4081%4,881
Pretax return on assets0.7076%4,204
Return on Equity (ROE)4.5986%4,492
Retained earnings to average equity (ytd only)4.5986%3,145
Net charge-offs to loans0.0610%5,538
Credit loss provision to net charge-offs211.5385%1,838
Earnings coverage of net charge-offs (x)19.6538%1,249
Efficiency ratio74.4500%3,386
Assets per employee ($millions)3.8403%4,128
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.2979%7,665
Loan loss allowance to noncurrent loans33.2461%6,152
Noncurrent assets plus other real estate owned to assets0.6449%5,878
Noncurrent loans to loans0.8961%5,480
Net loans and leases to total assets65.1035%4,019
Net loans and leases to deposits72.3897%4,931
Net loans and leases to core deposits73.4162%5,507
Total domestic deposits to total assets89.9348%948
Equity capital to assets8.8597%5,658
Core capital (leverage) ratio8.9384%4,700
Tier 1 risk-based capital ratio20.9657%1,345
Total risk-based capital ratio21.4220%1,453
Memoranda:
Average total assets$128,882,0004,379
Average earning assets$123,746,3304,237
Average equity$11,438,3304,819
Average total loans$85,263,6704,284
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6473%6,419
Cost of funding earning assets1.6121%2,884
Net interest margin3.0352%6,753
Noninterest income to average assets0.2718%5,982
Noninterest expense to average assets2.3680%6,193
Loan and lease loss provision to assets0.1031%5,594
Net operating income to assets0.3999%4,839
Return on assets (ROA)0.3999%4,981
Pretax return on assets0.7123%4,191
Return on Equity (ROE)4.5017%4,659
Retained earnings to average equity (ytd only)4.5017%3,458
Net charge-offs to loans0.1079%4,344
Credit loss provision to net charge-offs143.4783%2,479
Earnings coverage of net charge-offs (x)11.3478%1,652
Efficiency ratio74.3867%3,514
Assets per employee ($millions)3.8915%4,118
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.2755%7,766
Loan loss allowance to noncurrent loans28.7638%6,478
Noncurrent assets plus other real estate owned to assets0.7421%5,673
Noncurrent loans to loans0.9577%5,425
Net loans and leases to total assets66.2495%3,796
Net loans and leases to deposits73.8182%4,767
Net loans and leases to core deposits74.6578%5,424
Total domestic deposits to total assets89.7468%1,115
Equity capital to assets8.9060%5,403
Core capital (leverage) ratio8.9840%4,595
Tier 1 risk-based capital ratio20.7840%1,374
Total risk-based capital ratio21.2092%1,497
Memoranda:
Average total assets$128,038,5004,455
Average earning assets$122,823,5004,307
Average equity$11,373,5004,879
Average total loans$85,266,0004,342
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0693%6,193
Cost of funding earning assets2.0642%2,660
Net interest margin3.0050%6,635
Noninterest income to average assets0.2077%6,618
Noninterest expense to average assets2.3061%6,733
Loan and lease loss provision to assets0.1771%5,926
Net operating income to assets0.3582%4,292
Return on assets (ROA)0.3582%4,393
Pretax return on assets0.6138%3,870
Return on Equity (ROE)4.1068%4,039
Retained earnings to average equity (ytd only)4.1068%2,338
Net charge-offs to loans0.2826%4,861
Credit loss provision to net charge-offs95.3586%5,809
Earnings coverage of net charge-offs (x)4.2574%3,009
Efficiency ratio74.4622%3,799
Assets per employee ($millions)3.8684%4,096
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.2640%7,845
Loan loss allowance to noncurrent loans22.7733%6,926
Noncurrent assets plus other real estate owned to assets0.8969%5,305
Noncurrent loans to loans1.1594%5,008
Net loans and leases to total assets66.5802%4,018
Net loans and leases to deposits74.0194%5,034
Net loans and leases to core deposits84.7298%5,653
Total domestic deposits to total assets89.9497%989
Equity capital to assets8.8596%5,340
Core capital (leverage) ratio8.9374%4,527
Tier 1 risk-based capital ratio20.6307%1,355
Total risk-based capital ratio21.0394%1,462
Memoranda:
Average total assets$127,575,8004,393
Average earning assets$122,660,6004,247
Average equity$11,128,0004,986
Average total loans$83,862,0004,389
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1378%6,149
Cost of funding earning assets2.1446%2,682
Net interest margin2.9931%6,629
Noninterest income to average assets0.2091%6,730
Noninterest expense to average assets2.3843%6,464
Loan and lease loss provision to assets0.1369%5,982
Net operating income to assets0.3125%4,750
Return on assets (ROA)0.3125%4,854
Pretax return on assets0.5676%4,307
Return on Equity (ROE)3.5972%4,536
Retained earnings to average equity (ytd only)3.5972%3,273
Net charge-offs to loans0.2155%4,685
Credit loss provision to net charge-offs97.0370%5,265
Earnings coverage of net charge-offs (x)4.9924%2,956
Efficiency ratio77.1912%3,288
Assets per employee ($millions)3.8475%4,085
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.2751%7,920
Loan loss allowance to noncurrent loans39.3888%5,732
Noncurrent assets plus other real estate owned to assets0.4639%6,304
Noncurrent loans to loans0.6985%5,903
Net loans and leases to total assets66.2337%4,378
Net loans and leases to deposits73.7462%5,392
Net loans and leases to core deposits84.4404%6,010
Total domestic deposits to total assets89.8131%839
Equity capital to assets8.8503%5,710
Core capital (leverage) ratio8.8617%4,882
Tier 1 risk-based capital ratio21.8866%1,236
Total risk-based capital ratio22.3417%1,339
Memoranda:
Average total assets$127,555,2504,415
Average earning assets$122,722,2504,284
Average equity$11,082,5005,051
Average total loans$83,522,5004,431
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1923%6,105
Cost of funding earning assets2.2325%2,656
Net interest margin2.9598%6,657
Noninterest income to average assets0.2051%6,824
Noninterest expense to average assets2.3984%6,463
Loan and lease loss provision to assets0.1346%5,732
Net operating income to assets0.2896%4,942
Return on assets (ROA)0.2896%5,050
Pretax return on assets0.5198%4,553
Return on Equity (ROE)3.3542%4,765
Retained earnings to average equity (ytd only)3.3542%3,459
Net charge-offs to loans0.3003%3,686
Credit loss provision to net charge-offs68.8000%5,440
Earnings coverage of net charge-offs (x)3.3440%3,473
Efficiency ratio78.5641%3,262
Assets per employee ($millions)3.8139%4,065
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.2399%8,037
Loan loss allowance to noncurrent loans20.5637%7,096
Noncurrent assets plus other real estate owned to assets0.7612%5,499
Noncurrent loans to loans1.1666%4,885
Net loans and leases to total assets65.0924%4,747
Net loans and leases to deposits71.8178%5,756
Net loans and leases to core deposits81.2899%6,300
Total domestic deposits to total assets90.6355%580
Equity capital to assets8.8346%5,549
Core capital (leverage) ratio8.8488%4,865
Tier 1 risk-based capital ratio20.8985%1,417
Total risk-based capital ratio21.2681%1,541
Memoranda:
Average total assets$127,751,3304,439
Average earning assets$122,913,6704,292
Average equity$11,031,0005,083
Average total loans$83,254,3304,489
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3108%5,853
Cost of funding earning assets2.3647%2,444
Net interest margin2.9462%6,625
Noninterest income to average assets0.1741%7,062
Noninterest expense to average assets2.3621%6,334
Loan and lease loss provision to assets0.0932%5,764
Net operating income to assets0.3295%5,163
Return on assets (ROA)0.3295%5,351
Pretax return on assets0.5532%4,901
Return on Equity (ROE)3.8591%4,997
Retained earnings to average equity (ytd only)3.8591%3,743
Net charge-offs to loans0.3388%2,732
Credit loss provision to net charge-offs42.2535%4,790
Earnings coverage of net charge-offs (x)2.9296%3,333
Efficiency ratio78.5124%3,081
Assets per employee ($millions)3.8794%3,921
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.2352%8,081
Loan loss allowance to noncurrent loans19.1364%7,215
Noncurrent assets plus other real estate owned to assets0.8116%5,147
Noncurrent loans to loans1.2293%4,512
Net loans and leases to total assets64.5962%4,887
Net loans and leases to deposits71.2191%5,838
Net loans and leases to core deposits81.4266%6,273
Total domestic deposits to total assets90.7007%515
Equity capital to assets8.6237%5,881
Core capital (leverage) ratio8.6376%5,275
Tier 1 risk-based capital ratio20.5432%1,517
Total risk-based capital ratio20.9055%1,637
Memoranda:
Average total assets$128,698,0004,436
Average earning assets$123,822,5004,289
Average equity$10,987,0005,111
Average total loans$83,821,0004,500
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6539%6,924
Cost of funding earning assets2.9276%2,151
Net interest margin2.7263%7,454
Noninterest income to average assets0.2060%6,972
Noninterest expense to average assets2.0959%7,247
Loan and lease loss provision to assets0.0477%6,823
Net operating income to assets0.4279%5,038
Return on assets (ROA)0.4279%4,856
Pretax return on assets0.6801%4,455
Return on Equity (ROE)5.0294%4,374
Retained earnings to average equity (ytd only)5.0294%2,008
Net charge-offs to loans0.0528%6,032
Credit loss provision to net charge-offs142.8571%3,703
Earnings coverage of net charge-offs (x)21.7857%1,509
Efficiency ratio74.2254%3,535
Assets per employee ($millions)3.9205%3,678
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.2785%8,101
Loan loss allowance to noncurrent loans20.4683%7,216
Noncurrent assets plus other real estate owned to assets0.9654%4,415
Noncurrent loans to loans1.3605%3,799
Net loans and leases to total assets65.3251%4,985
Net loans and leases to deposits71.7293%6,087
Net loans and leases to core deposits82.4175%6,422
Total domestic deposits to total assets91.0718%308
Equity capital to assets8.4513%6,172
Core capital (leverage) ratio8.4652%5,633
Tier 1 risk-based capital ratio19.7865%1,654
Total risk-based capital ratio20.2128%1,776
Memoranda:
Average total assets$125,722,4004,379
Average earning assets$120,713,2004,240
Average equity$10,697,2005,216
Average total loans$79,507,0004,535