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Springfield State Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0013%3,119
Cost of funding earning assets2.1547%1,545
Net interest margin2.8466%3,642
Noninterest income to average assets0.3500%2,536
Noninterest expense to average assets1.6408%4,098
Loan and lease loss provision to assets0.1300%1,005
Net operating income to assets1.0043%2,260
Return on assets (ROA)0.9129%2,539
Pretax return on assets1.1459%2,373
Return on Equity (ROE)8.3200%2,786
Retained earnings to average equity (ytd only)8.3190%1,608
Net charge-offs to loans-0.0093%3,901
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio54.2078%3,584
Assets per employee ($millions)10.8170%619
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.0671%2,883
Loan loss allowance to noncurrent loans1,541.2322%509
Noncurrent assets plus other real estate owned to assets0.0476%3,344
Noncurrent loans to loans0.0692%3,329
Net loans and leases to total assets67.9800%2,085
Net loans and leases to deposits87.3159%1,366
Net loans and leases to core deposits102.7178%1,211
Total domestic deposits to total assets77.8600%3,828
Equity capital to assets11.2540%1,537
Core capital (leverage) ratio14.5634%671
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$441,241,5001,954
Average earning assets$415,652,5001,926
Average equity$48,419,0001,800
Average total loans$302,425,0001,876
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7481%3,519
Cost of funding earning assets2.0818%2,024
Net interest margin2.6663%3,678
Noninterest income to average assets0.5000%1,933
Noninterest expense to average assets1.8227%3,924
Loan and lease loss provision to assets0.0800%1,685
Net operating income to assets0.8152%2,653
Return on assets (ROA)0.8150%2,662
Pretax return on assets1.0953%2,263
Return on Equity (ROE)7.4900%2,901
Retained earnings to average equity (ytd only)5.2003%2,151
Net charge-offs to loans0.0050%2,763
Credit loss provision to net charge-offs2,571.4286%184
Earnings coverage of net charge-offs (x)357.8571%332
Efficiency ratio60.6936%3,086
Assets per employee ($millions)10.9747%576
Cash dividends to net income (ytd only)*30.5291%2,555
Condition Ratios (%)
Loss allowance to loans1.0350%3,025
Loan loss allowance to noncurrent loans1,601.0309%511
Noncurrent assets plus other real estate owned to assets0.0442%3,358
Noncurrent loans to loans0.0646%3,324
Net loans and leases to total assets67.6600%2,184
Net loans and leases to deposits86.7203%1,522
Net loans and leases to core deposits101.9501%1,337
Total domestic deposits to total assets78.0200%3,774
Equity capital to assets10.6898%1,732
Core capital (leverage) ratio14.5718%660
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$424,431,4001,976
Average earning assets$398,495,4001,956
Average equity$46,208,8001,805
Average total loans$280,031,2001,931
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6745%3,598
Cost of funding earning assets2.0524%2,083
Net interest margin2.6221%3,732
Noninterest income to average assets0.3400%2,783
Noninterest expense to average assets1.8156%3,907
Loan and lease loss provision to assets0.0900%1,382
Net operating income to assets0.7287%2,905
Return on assets (ROA)0.7284%2,924
Pretax return on assets0.8980%2,805
Return on Equity (ROE)6.6600%3,134
Retained earnings to average equity (ytd only)5.1531%2,405
Net charge-offs to loans-0.0010%3,626
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio64.8557%2,611
Assets per employee ($millions)10.5024%663
Cash dividends to net income (ytd only)*22.6185%2,444
Condition Ratios (%)
Loss allowance to loans1.0641%2,926
Loan loss allowance to noncurrent loans1,144.1509%656
Noncurrent assets plus other real estate owned to assets0.0615%3,297
Noncurrent loans to loans0.0930%3,228
Net loans and leases to total assets65.4700%2,376
Net loans and leases to deposits86.0419%1,638
Net loans and leases to core deposits101.3146%1,404
Total domestic deposits to total assets76.0900%3,919
Equity capital to assets11.5458%1,456
Core capital (leverage) ratio14.7032%673
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$420,792,5001,983
Average earning assets$394,527,2501,965
Average equity$46,029,2501,810
Average total loans$275,011,5001,948
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6071%3,629
Cost of funding earning assets1.9937%2,131
Net interest margin2.6134%3,718
Noninterest income to average assets0.3500%2,689
Noninterest expense to average assets1.7743%3,972
Loan and lease loss provision to assets0.0900%1,288
Net operating income to assets0.7611%2,756
Return on assets (ROA)0.7607%2,772
Pretax return on assets0.9317%2,675
Return on Equity (ROE)7.0900%2,974
Retained earnings to average equity (ytd only)4.7678%2,426
Net charge-offs to loans-0.0007%3,537
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio63.5334%2,829
Assets per employee ($millions)10.3058%670
Cash dividends to net income (ytd only)*32.7456%2,101
Condition Ratios (%)
Loss allowance to loans1.0642%2,966
Loan loss allowance to noncurrent loans1,391.9811%592
Noncurrent assets plus other real estate owned to assets0.0502%3,328
Noncurrent loans to loans0.0765%3,287
Net loans and leases to total assets64.9300%2,456
Net loans and leases to deposits84.6425%1,776
Net loans and leases to core deposits97.1834%1,662
Total domestic deposits to total assets76.7100%3,828
Equity capital to assets10.7301%1,689
Core capital (leverage) ratio14.7959%654
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$417,523,3331,986
Average earning assets$390,831,0001,974
Average equity$44,800,3331,827
Average total loans$271,699,0001,960
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5307%3,633
Cost of funding earning assets1.9432%2,139
Net interest margin2.5875%3,732
Noninterest income to average assets0.3700%2,484
Noninterest expense to average assets1.7503%4,024
Loan and lease loss provision to assets0.0900%1,130
Net operating income to assets0.7691%2,635
Return on assets (ROA)0.7691%2,649
Pretax return on assets0.9551%2,513
Return on Equity (ROE)7.1700%2,913
Retained earnings to average equity (ytd only)7.1680%1,782
Net charge-offs to loans-0.0283%4,206
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio62.6855%2,952
Assets per employee ($millions)10.1520%703
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.0657%2,975
Loan loss allowance to noncurrent loans1,077.9026%783
Noncurrent assets plus other real estate owned to assets0.0641%3,225
Noncurrent loans to loans0.0989%3,109
Net loans and leases to total assets64.1900%2,453
Net loans and leases to deposits83.1888%1,782
Net loans and leases to core deposits95.2450%1,687
Total domestic deposits to total assets77.1600%3,888
Equity capital to assets10.6922%1,637
Core capital (leverage) ratio15.2272%589
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$415,015,5002,001
Average earning assets$388,638,0001,989
Average equity$44,531,0001,820
Average total loans$268,903,0001,971
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2306%3,573
Cost of funding earning assets1.3117%2,481
Net interest margin2.9188%3,442
Noninterest income to average assets0.3700%2,675
Noninterest expense to average assets1.7393%4,083
Loan and lease loss provision to assets0.0900%1,416
Net operating income to assets1.0288%2,121
Return on assets (ROA)1.0256%2,117
Pretax return on assets1.2587%1,983
Return on Equity (ROE)9.8700%2,534
Retained earnings to average equity (ytd only)7.3762%1,764
Net charge-offs to loans0.0134%2,155
Credit loss provision to net charge-offs1,090.9091%384
Earnings coverage of net charge-offs (x)162.0909%679
Efficiency ratio56.2311%3,476
Assets per employee ($millions)10.0927%689
Cash dividends to net income (ytd only)*25.2962%2,753
Condition Ratios (%)
Loss allowance to loans1.0341%3,138
Loan loss allowance to noncurrent loans884.6645%982
Noncurrent assets plus other real estate owned to assets0.0756%3,044
Noncurrent loans to loans0.1169%2,936
Net loans and leases to total assets64.0400%2,457
Net loans and leases to deposits84.9885%1,692
Net loans and leases to core deposits94.7499%1,723
Total domestic deposits to total assets75.3500%3,997
Equity capital to assets10.7680%1,598
Core capital (leverage) ratio15.5324%540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6932%562
Memoranda:
Average total assets$395,100,6002,028
Average earning assets$368,744,8002,016
Average equity$41,037,4001,851
Average total loans$246,720,8002,018
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1549%3,549
Cost of funding earning assets1.1791%2,493
Net interest margin2.9758%3,388
Noninterest income to average assets0.3500%2,790
Noninterest expense to average assets1.7003%4,126
Loan and lease loss provision to assets0.0900%1,295
Net operating income to assets1.0743%2,132
Return on assets (ROA)1.0699%2,138
Pretax return on assets1.3213%1,976
Return on Equity (ROE)10.4000%2,531
Retained earnings to average equity (ytd only)8.7255%1,761
Net charge-offs to loans0.0044%2,324
Credit loss provision to net charge-offs3,375.0000%142
Earnings coverage of net charge-offs (x)519.3750%303
Efficiency ratio54.5106%3,547
Assets per employee ($millions)9.6692%753
Cash dividends to net income (ytd only)*16.1187%2,598
Condition Ratios (%)
Loss allowance to loans1.0588%3,075
Loan loss allowance to noncurrent loans785.7558%1,050
Noncurrent assets plus other real estate owned to assets0.0868%3,013
Noncurrent loans to loans0.1347%2,881
Net loans and leases to total assets63.7100%2,477
Net loans and leases to deposits82.0999%1,893
Net loans and leases to core deposits90.6515%1,884
Total domestic deposits to total assets77.6100%3,861
Equity capital to assets9.8273%1,923
Core capital (leverage) ratio15.6496%542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$390,425,5002,040
Average earning assets$363,898,2502,028
Average equity$40,157,2501,864
Average total loans$241,461,2502,052
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0363%3,611
Cost of funding earning assets1.0872%2,327
Net interest margin2.9491%3,563
Noninterest income to average assets0.3500%2,761
Noninterest expense to average assets1.6987%4,149
Loan and lease loss provision to assets0.0900%1,256
Net operating income to assets1.0892%2,152
Return on assets (ROA)1.0823%2,163
Pretax return on assets1.2986%2,083
Return on Equity (ROE)10.3700%2,605
Retained earnings to average equity (ytd only)7.8754%2,004
Net charge-offs to loans0.0051%2,087
Credit loss provision to net charge-offs3,000.0000%180
Earnings coverage of net charge-offs (x)453.0000%329
Efficiency ratio54.8280%3,548
Assets per employee ($millions)9.6004%753
Cash dividends to net income (ytd only)*24.0247%2,296
Condition Ratios (%)
Loss allowance to loans1.0890%3,001
Loan loss allowance to noncurrent loans1,087.8543%902
Noncurrent assets plus other real estate owned to assets0.0628%3,135
Noncurrent loans to loans0.1001%2,988
Net loans and leases to total assets62.0000%2,574
Net loans and leases to deposits80.0682%1,970
Net loans and leases to core deposits88.0319%1,928
Total domestic deposits to total assets77.4400%3,902
Equity capital to assets10.4978%1,603
Core capital (leverage) ratio15.6130%518
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$388,422,0002,050
Average earning assets$362,211,3332,037
Average equity$40,556,6671,858
Average total loans$236,852,0002,072
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9363%3,595
Cost of funding earning assets1.0229%1,970
Net interest margin2.9133%3,771
Noninterest income to average assets0.3600%2,656
Noninterest expense to average assets1.6671%4,231
Loan and lease loss provision to assets0.0900%1,196
Net operating income to assets1.0798%2,286
Return on assets (ROA)1.0730%2,281
Pretax return on assets1.3125%2,143
Return on Equity (ROE)10.3100%2,696
Retained earnings to average equity (ytd only)10.3050%1,631
Net charge-offs to loans0.0103%1,551
Credit loss provision to net charge-offs1,500.0000%256
Earnings coverage of net charge-offs (x)227.3333%469
Efficiency ratio54.1050%3,590
Assets per employee ($millions)10.3995%614
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1106%2,998
Loan loss allowance to noncurrent loans1,002.7027%984
Noncurrent assets plus other real estate owned to assets0.0673%3,127
Noncurrent loans to loans0.1108%2,966
Net loans and leases to total assets60.1000%2,640
Net loans and leases to deposits75.7683%2,141
Net loans and leases to core deposits82.2510%2,103
Total domestic deposits to total assets79.3200%3,863
Equity capital to assets10.6951%1,460
Core capital (leverage) ratio15.4190%521
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$385,825,5002,081
Average earning assets$360,139,0002,066
Average equity$40,174,5001,893
Average total loans$231,906,5002,109
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6854%2,565
Cost of funding earning assets0.7885%405
Net interest margin2.8969%3,688
Noninterest income to average assets0.3600%2,944
Noninterest expense to average assets1.5007%4,425
Loan and lease loss provision to assets0.0800%1,457
Net operating income to assets1.2046%1,751
Return on assets (ROA)1.1945%1,730
Pretax return on assets1.4840%1,505
Return on Equity (ROE)10.6300%2,600
Retained earnings to average equity (ytd only)8.3190%1,715
Net charge-offs to loans0.0033%2,349
Credit loss provision to net charge-offs4,285.7143%151
Earnings coverage of net charge-offs (x)861.1429%211
Efficiency ratio48.7937%4,199
Assets per employee ($millions)9.4358%803
Cash dividends to net income (ytd only)*21.7629%2,823
Condition Ratios (%)
Loss allowance to loans1.0927%2,934
Loan loss allowance to noncurrent loans948.3019%1,031
Noncurrent assets plus other real estate owned to assets0.0685%3,109
Noncurrent loans to loans0.1152%2,950
Net loans and leases to total assets58.8000%2,749
Net loans and leases to deposits74.5965%2,204
Net loans and leases to core deposits80.4053%2,109
Total domestic deposits to total assets78.8200%4,018
Equity capital to assets10.1316%1,646
Core capital (leverage) ratio15.2435%536
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$382,743,0002,093
Average earning assets$358,656,6002,073
Average equity$42,997,8001,821
Average total loans$208,969,8002,172
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6198%2,287
Cost of funding earning assets0.7530%197
Net interest margin2.8668%3,577
Noninterest income to average assets0.3700%2,924
Noninterest expense to average assets1.3161%4,572
Loan and lease loss provision to assets0.0700%1,430
Net operating income to assets1.4032%1,083
Return on assets (ROA)1.4038%1,053
Pretax return on assets1.6752%951
Return on Equity (ROE)12.1900%1,977
Retained earnings to average equity (ytd only)10.7063%1,131
Net charge-offs to loans-0.0085%3,649
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio42.9549%4,493
Assets per employee ($millions)8.9080%927
Cash dividends to net income (ytd only)*12.1921%2,765
Condition Ratios (%)
Loss allowance to loans1.1302%2,882
Loan loss allowance to noncurrent loans287.9717%2,229
Noncurrent assets plus other real estate owned to assets0.2267%2,098
Noncurrent loans to loans0.3925%1,832
Net loans and leases to total assets57.1000%2,787
Net loans and leases to deposits71.4397%2,249
Net loans and leases to core deposits76.8121%2,130
Total domestic deposits to total assets79.9200%4,107
Equity capital to assets9.9593%1,650
Core capital (leverage) ratio15.2094%523
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$381,711,5002,112
Average earning assets$358,202,5002,084
Average equity$43,948,2501,815
Average total loans$203,717,7502,203
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5170%2,081
Cost of funding earning assets0.7369%129
Net interest margin2.7801%3,497
Noninterest income to average assets0.3852%2,841
Noninterest expense to average assets1.1425%4,664
Loan and lease loss provision to assets0.0625%1,479
Net operating income to assets1.4778%748
Return on assets (ROA)1.4783%728
Pretax return on assets1.7963%606
Return on Equity (ROE)12.3004%1,583
Retained earnings to average equity (ytd only)10.1782%972
Net charge-offs to loans0.0030%1,960
Credit loss provision to net charge-offs4,000.0000%132
Earnings coverage of net charge-offs (x)1,190.0000%103
Efficiency ratio38.0746%4,650
Assets per employee ($millions)9.0827%857
Cash dividends to net income (ytd only)*17.2535%2,570
Condition Ratios (%)
Loss allowance to loans1.1269%3,053
Loan loss allowance to noncurrent loans258.9800%2,339
Noncurrent assets plus other real estate owned to assets0.2365%2,138
Noncurrent loans to loans0.4351%1,821
Net loans and leases to total assets53.7262%2,995
Net loans and leases to deposits68.2145%2,375
Net loans and leases to core deposits72.8953%2,246
Total domestic deposits to total assets78.7608%4,309
Equity capital to assets11.0406%1,194
Core capital (leverage) ratio14.8974%486
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$384,237,3332,112
Average earning assets$361,499,0002,096
Average equity$46,177,3331,793
Average total loans$199,603,3332,239
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4199%2,030
Cost of funding earning assets0.7213%137
Net interest margin2.6986%3,402
Noninterest income to average assets0.3465%3,021
Noninterest expense to average assets1.6306%4,248
Loan and lease loss provision to assets0.0622%1,299
Net operating income to assets1.0238%1,786
Return on assets (ROA)1.0238%1,777
Pretax return on assets1.2033%1,803
Return on Equity (ROE)8.1896%2,608
Retained earnings to average equity (ytd only)8.1896%1,524
Net charge-offs to loans-0.0225%3,977
Credit loss provision to net charge-offs-545.4545%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3037%3,854
Assets per employee ($millions)9.5501%765
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1615%3,050
Loan loss allowance to noncurrent loans289.8734%2,145
Noncurrent assets plus other real estate owned to assets0.2068%2,391
Noncurrent loans to loans0.4007%2,059
Net loans and leases to total assets51.0131%3,069
Net loans and leases to deposits66.1551%2,326
Net loans and leases to core deposits70.3681%2,260
Total domestic deposits to total assets77.1114%4,454
Equity capital to assets11.6510%1,074
Core capital (leverage) ratio14.4837%509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$385,619,5002,116
Average earning assets$364,342,5002,097
Average equity$48,207,5001,784
Average total loans$195,761,5002,258
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6890%2,141
Cost of funding earning assets0.7900%212
Net interest margin2.8990%3,441
Noninterest income to average assets0.3164%3,516
Noninterest expense to average assets2.1981%3,095
Loan and lease loss provision to assets0.0638%1,795
Net operating income to assets0.7244%3,554
Return on assets (ROA)0.7251%3,618
Pretax return on assets0.8040%3,717
Return on Equity (ROE)5.1795%3,958
Retained earnings to average equity (ytd only)2.4502%3,841
Net charge-offs to loans0.0123%2,105
Credit loss provision to net charge-offs1,043.4783%517
Earnings coverage of net charge-offs (x)141.8696%697
Efficiency ratio71.7146%1,540
Assets per employee ($millions)9.9804%671
Cash dividends to net income (ytd only)*52.6933%1,385
Condition Ratios (%)
Loss allowance to loans1.1417%3,164
Loan loss allowance to noncurrent loans277.7222%2,158
Noncurrent assets plus other real estate owned to assets0.2053%2,539
Noncurrent loans to loans0.4111%2,127
Net loans and leases to total assets49.3640%3,367
Net loans and leases to deposits64.8577%2,610
Net loans and leases to core deposits68.9540%2,554
Total domestic deposits to total assets76.1112%4,508
Equity capital to assets13.3358%812
Core capital (leverage) ratio14.2545%581
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$376,378,6002,078
Average earning assets$356,845,6002,056
Average equity$52,688,8001,687
Average total loans$187,627,6002,322
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7738%2,079
Cost of funding earning assets0.8068%236
Net interest margin2.9670%3,390
Noninterest income to average assets0.3151%3,535
Noninterest expense to average assets1.6353%4,419
Loan and lease loss provision to assets0.0643%1,712
Net operating income to assets1.1799%2,230
Return on assets (ROA)1.1805%2,286
Pretax return on assets1.4281%2,220
Return on Equity (ROE)8.3300%3,305
Retained earnings to average equity (ytd only)5.9374%2,846
Net charge-offs to loans0.0158%1,766
Credit loss provision to net charge-offs818.1818%582
Earnings coverage of net charge-offs (x)189.7727%574
Efficiency ratio52.2966%4,003
Assets per employee ($millions)9.7878%685
Cash dividends to net income (ytd only)*28.7228%2,136
Condition Ratios (%)
Loss allowance to loans1.1520%3,197
Loan loss allowance to noncurrent loans171.9745%2,737
Noncurrent assets plus other real estate owned to assets0.3290%2,135
Noncurrent loans to loans0.6699%1,637
Net loans and leases to total assets48.5525%3,569
Net loans and leases to deposits64.5808%2,781
Net loans and leases to core deposits68.3458%2,748
Total domestic deposits to total assets75.1810%4,594
Equity capital to assets14.0722%722
Core capital (leverage) ratio14.6503%538
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$373,164,0002,116
Average earning assets$353,661,2502,086
Average equity$52,884,0001,703
Average total loans$185,944,0002,378
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9645%1,647
Cost of funding earning assets0.8247%258
Net interest margin3.1398%2,927
Noninterest income to average assets0.3051%3,607
Noninterest expense to average assets1.6975%4,365
Loan and lease loss provision to assets0.0648%1,746
Net operating income to assets1.2473%2,028
Return on assets (ROA)1.2481%2,091
Pretax return on assets1.5193%1,959
Return on Equity (ROE)8.7860%3,170
Retained earnings to average equity (ytd only)5.3758%3,044
Net charge-offs to loans0.0518%1,103
Credit loss provision to net charge-offs250.0000%965
Earnings coverage of net charge-offs (x)61.0625%962
Efficiency ratio51.7451%4,069
Assets per employee ($millions)9.7058%670
Cash dividends to net income (ytd only)*38.8144%1,664
Condition Ratios (%)
Loss allowance to loans1.1132%3,364
Loan loss allowance to noncurrent loans494.9881%1,288
Noncurrent assets plus other real estate owned to assets0.1107%3,488
Noncurrent loans to loans0.2249%3,155
Net loans and leases to total assets48.6710%3,671
Net loans and leases to deposits64.1333%2,989
Net loans and leases to core deposits67.9166%2,968
Total domestic deposits to total assets75.8904%4,567
Equity capital to assets14.0041%717
Core capital (leverage) ratio14.5764%523
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$370,311,0002,117
Average earning assets$350,913,3332,084
Average equity$52,606,3331,701
Average total loans$185,426,6672,390
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0086%1,594
Cost of funding earning assets0.8377%298
Net interest margin3.1708%2,786
Noninterest income to average assets0.3058%3,583
Noninterest expense to average assets1.7280%4,324
Loan and lease loss provision to assets0.0655%1,833
Net operating income to assets1.2692%1,925
Return on assets (ROA)1.2692%1,999
Pretax return on assets1.5139%1,957
Return on Equity (ROE)8.8694%3,080
Retained earnings to average equity (ytd only)8.8694%1,993
Net charge-offs to loans0.1146%619
Credit loss provision to net charge-offs113.2075%1,064
Earnings coverage of net charge-offs (x)27.2830%1,133
Efficiency ratio52.2457%3,971
Assets per employee ($millions)9.4617%708
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0854%3,506
Loan loss allowance to noncurrent loans324.0323%1,640
Noncurrent assets plus other real estate owned to assets0.1680%3,323
Noncurrent loans to loans0.3350%2,893
Net loans and leases to total assets49.6165%3,665
Net loans and leases to deposits65.8027%2,938
Net loans and leases to core deposits69.8774%2,875
Total domestic deposits to total assets75.4020%4,611
Equity capital to assets14.0957%653
Core capital (leverage) ratio14.9058%493
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$366,204,0002,115
Average earning assets$346,658,5002,093
Average equity$52,405,0001,700
Average total loans$184,987,0002,399
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9970%2,737
Cost of funding earning assets0.9726%663
Net interest margin3.0244%3,833
Noninterest income to average assets0.3215%3,537
Noninterest expense to average assets2.0569%4,028
Loan and lease loss provision to assets0.1152%2,911
Net operating income to assets0.9172%2,621
Return on assets (ROA)0.9180%2,751
Pretax return on assets1.0058%3,029
Return on Equity (ROE)6.1364%3,537
Retained earnings to average equity (ytd only)4.3015%2,650
Net charge-offs to loans0.0252%2,536
Credit loss provision to net charge-offs858.6957%857
Earnings coverage of net charge-offs (x)83.4783%874
Efficiency ratio64.7415%2,714
Assets per employee ($millions)8.8635%775
Cash dividends to net income (ytd only)*29.9015%2,850
Condition Ratios (%)
Loss allowance to loans1.0829%3,544
Loan loss allowance to noncurrent loans186.9281%2,448
Noncurrent assets plus other real estate owned to assets0.2947%2,816
Noncurrent loans to loans0.5793%2,252
Net loans and leases to total assets50.3231%3,800
Net loans and leases to deposits68.1051%3,063
Net loans and leases to core deposits72.2292%3,057
Total domestic deposits to total assets73.8903%4,639
Equity capital to assets14.5283%672
Core capital (leverage) ratio14.9638%510
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$342,805,2002,087
Average earning assets$323,671,6002,064
Average equity$51,284,4001,656
Average total loans$182,604,4002,391
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1165%2,636
Cost of funding earning assets0.9999%758
Net interest margin3.1166%3,698
Noninterest income to average assets0.3277%3,523
Noninterest expense to average assets1.9878%4,173
Loan and lease loss provision to assets0.1442%2,575
Net operating income to assets1.0090%2,309
Return on assets (ROA)1.0097%2,436
Pretax return on assets1.1380%2,611
Return on Equity (ROE)6.6971%3,312
Retained earnings to average equity (ytd only)5.4844%2,332
Net charge-offs to loans-0.0359%4,589
Credit loss provision to net charge-offs-744.8980%3,860
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8044%3,259
Assets per employee ($millions)8.5064%840
Cash dividends to net income (ytd only)*18.1072%2,874
Condition Ratios (%)
Loss allowance to loans1.1263%3,058
Loan loss allowance to noncurrent loans127.0436%2,952
Noncurrent assets plus other real estate owned to assets0.4665%2,323
Noncurrent loans to loans0.8866%1,690
Net loans and leases to total assets52.0259%3,965
Net loans and leases to deposits70.6498%3,251
Net loans and leases to core deposits74.7218%3,262
Total domestic deposits to total assets73.6391%4,593
Equity capital to assets15.0176%634
Core capital (leverage) ratio15.2309%508
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.3400%388
Memoranda:
Average total assets$337,656,0002,086
Average earning assets$318,677,5002,059
Average equity$50,906,5001,662
Average total loans$182,036,2502,398
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2816%2,517
Cost of funding earning assets1.0204%926
Net interest margin3.2612%3,487
Noninterest income to average assets0.3282%3,505
Noninterest expense to average assets2.0164%4,202
Loan and lease loss provision to assets0.1707%2,298
Net operating income to assets1.0882%2,007
Return on assets (ROA)1.0888%2,130
Pretax return on assets1.2157%2,312
Return on Equity (ROE)7.2119%3,053
Retained earnings to average equity (ytd only)5.3752%2,322
Net charge-offs to loans-0.0187%4,384
Credit loss provision to net charge-offs-1,676.4706%3,856
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.2677%3,521
Assets per employee ($millions)8.5185%804
Cash dividends to net income (ytd only)*25.4675%2,531
Condition Ratios (%)
Loss allowance to loans1.0561%3,292
Loan loss allowance to noncurrent loans160.9053%2,485
Noncurrent assets plus other real estate owned to assets0.3479%2,901
Noncurrent loans to loans0.6564%2,220
Net loans and leases to total assets52.4416%4,002
Net loans and leases to deposits71.1989%3,333
Net loans and leases to core deposits75.1947%3,357
Total domestic deposits to total assets73.6551%4,613
Equity capital to assets14.8199%660
Core capital (leverage) ratio15.3489%522
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.8606%408
Memoranda:
Average total assets$333,953,6672,074
Average earning assets$314,787,6672,050
Average equity$50,416,6671,659
Average total loans$181,543,6672,392
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1883%3,256
Cost of funding earning assets1.0611%1,177
Net interest margin3.1272%4,039
Noninterest income to average assets0.3629%3,344
Noninterest expense to average assets2.0889%4,237
Loan and lease loss provision to assets0.0184%3,560
Net operating income to assets1.0690%1,939
Return on assets (ROA)1.0690%2,042
Pretax return on assets1.2001%2,198
Return on Equity (ROE)7.0118%2,945
Retained earnings to average equity (ytd only)7.0118%1,530
Net charge-offs to loans-0.0267%4,425
Credit loss provision to net charge-offs-125.0000%3,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1579%3,349
Assets per employee ($millions)7.9520%746
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9385%3,977
Loan loss allowance to noncurrent loans125.1863%2,878
Noncurrent assets plus other real estate owned to assets0.4116%2,812
Noncurrent loans to loans0.7497%2,128
Net loans and leases to total assets54.3919%3,953
Net loans and leases to deposits75.0962%3,164
Net loans and leases to core deposits79.3844%3,247
Total domestic deposits to total assets72.4296%4,753
Equity capital to assets15.3573%701
Core capital (leverage) ratio16.0129%516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.8206%399
Memoranda:
Average total assets$326,301,0002,056
Average earning assets$307,239,5002,040
Average equity$49,745,0001,673
Average total loans$179,759,5002,364
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2659%3,630
Cost of funding earning assets1.0276%1,610
Net interest margin3.2384%4,113
Noninterest income to average assets0.3719%3,473
Noninterest expense to average assets2.1955%4,170
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1682%2,183
Return on assets (ROA)1.1727%2,261
Pretax return on assets1.2228%2,758
Return on Equity (ROE)7.8006%3,250
Retained earnings to average equity (ytd only)5.9057%1,917
Net charge-offs to loans0.1311%1,456
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)17.3705%2,113
Efficiency ratio64.3158%3,034
Assets per employee ($millions)7.9651%723
Cash dividends to net income (ytd only)*24.2926%3,323
Condition Ratios (%)
Loss allowance to loans0.9152%3,898
Loan loss allowance to noncurrent loans106.5806%3,175
Noncurrent assets plus other real estate owned to assets0.4746%2,509
Noncurrent loans to loans0.8587%1,794
Net loans and leases to total assets54.7668%4,026
Net loans and leases to deposits76.5515%3,129
Net loans and leases to core deposits80.6558%3,242
Total domestic deposits to total assets71.5425%4,880
Equity capital to assets15.1331%763
Core capital (leverage) ratio15.7866%548
Tier 1 risk-based capital ratio24.1898%812
Total risk-based capital ratio24.9775%837
Memoranda:
Average total assets$319,421,6002,044
Average earning assets$300,028,0002,025
Average equity$48,021,8001,658
Average total loans$170,801,6002,408
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2989%3,657
Cost of funding earning assets1.0160%1,699
Net interest margin3.2829%4,118
Noninterest income to average assets0.3740%3,475
Noninterest expense to average assets2.1487%4,275
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.3054%1,835
Return on assets (ROA)1.3113%1,883
Pretax return on assets1.3113%2,624
Return on Equity (ROE)8.7372%2,989
Retained earnings to average equity (ytd only)7.4870%1,631
Net charge-offs to loans0.0721%1,799
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)34.1759%1,504
Efficiency ratio62.2068%3,298
Assets per employee ($millions)7.8396%730
Cash dividends to net income (ytd only)*14.3087%3,249
Condition Ratios (%)
Loss allowance to loans1.0264%3,417
Loan loss allowance to noncurrent loans163.1627%2,464
Noncurrent assets plus other real estate owned to assets0.3404%3,162
Noncurrent loans to loans0.6290%2,399
Net loans and leases to total assets53.5530%4,215
Net loans and leases to deposits74.8025%3,405
Net loans and leases to core deposits79.0578%3,465
Total domestic deposits to total assets71.5925%4,938
Equity capital to assets15.4398%742
Core capital (leverage) ratio15.9441%566
Tier 1 risk-based capital ratio25.1085%764
Total risk-based capital ratio25.9947%768
Memoranda:
Average total assets$317,635,0002,062
Average earning assets$298,020,7502,048
Average equity$47,672,5001,675
Average total loans$168,376,2502,449
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2500%3,793
Cost of funding earning assets1.0064%1,667
Net interest margin3.2436%4,258
Noninterest income to average assets0.3736%3,444
Noninterest expense to average assets2.1747%4,284
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.3554%1,554
Return on assets (ROA)1.3642%1,590
Pretax return on assets1.2517%2,743
Return on Equity (ROE)9.1789%2,782
Retained earnings to average equity (ytd only)7.2776%1,694
Net charge-offs to loans0.0396%2,095
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)59.5758%987
Efficiency ratio63.6330%3,192
Assets per employee ($millions)7.7367%734
Cash dividends to net income (ytd only)*20.7136%2,999
Condition Ratios (%)
Loss allowance to loans1.0856%3,141
Loan loss allowance to noncurrent loans329.6959%1,437
Noncurrent assets plus other real estate owned to assets0.1762%3,881
Noncurrent loans to loans0.3293%3,354
Net loans and leases to total assets52.9380%4,290
Net loans and leases to deposits72.7901%3,614
Net loans and leases to core deposits76.9144%3,652
Total domestic deposits to total assets72.7269%4,924
Equity capital to assets15.3668%732
Core capital (leverage) ratio15.7340%582
Tier 1 risk-based capital ratio24.9407%762
Total risk-based capital ratio25.8673%770
Memoranda:
Average total assets$316,372,6702,075
Average earning assets$296,893,3302,055
Average equity$47,021,0001,684
Average total loans$166,529,6702,476
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1902%3,904
Cost of funding earning assets0.9912%1,602
Net interest margin3.1990%4,387
Noninterest income to average assets0.3811%3,319
Noninterest expense to average assets2.1053%4,455
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.6103%875
Return on assets (ROA)1.6116%905
Pretax return on assets1.2761%2,545
Return on Equity (ROE)11.0313%1,934
Retained earnings to average equity (ytd only)11.0313%795
Net charge-offs to loans0.0291%1,878
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)83.9167%740
Efficiency ratio62.2846%3,490
Assets per employee ($millions)7.7146%746
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.1381%2,919
Loan loss allowance to noncurrent loans357.9655%1,368
Noncurrent assets plus other real estate owned to assets0.1647%3,992
Noncurrent loans to loans0.3179%3,430
Net loans and leases to total assets51.2171%4,390
Net loans and leases to deposits70.7412%3,714
Net loans and leases to core deposits74.6105%3,760
Total domestic deposits to total assets72.4006%5,025
Equity capital to assets15.0055%753
Core capital (leverage) ratio15.8142%559
Tier 1 risk-based capital ratio25.1332%755
Total risk-based capital ratio26.0864%760
Memoranda:
Average total assets$315,957,5002,090
Average earning assets$296,214,0002,075
Average equity$46,159,5001,697
Average total loans$164,912,5002,513
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2133%3,403
Cost of funding earning assets0.8804%1,172
Net interest margin3.3329%4,171
Noninterest income to average assets0.3688%3,627
Noninterest expense to average assets2.1558%4,439
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.2034%2,156
Return on assets (ROA)1.2042%2,144
Pretax return on assets1.3385%2,373
Return on Equity (ROE)8.7102%3,141
Retained earnings to average equity (ytd only)6.6482%1,841
Net charge-offs to loans0.1159%1,594
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)22.1720%1,914
Efficiency ratio61.7120%3,581
Assets per employee ($millions)7.6980%739
Cash dividends to net income (ytd only)*23.6736%3,334
Condition Ratios (%)
Loss allowance to loans1.1310%2,922
Loan loss allowance to noncurrent loans283.5347%1,717
Noncurrent assets plus other real estate owned to assets0.2097%3,780
Noncurrent loans to loans0.3989%3,098
Net loans and leases to total assets51.9885%4,412
Net loans and leases to deposits72.0873%3,664
Net loans and leases to core deposits76.1278%3,706
Total domestic deposits to total assets72.1188%5,065
Equity capital to assets14.2124%911
Core capital (leverage) ratio15.5245%591
Tier 1 risk-based capital ratio24.1219%817
Total risk-based capital ratio25.0672%824
Memoranda:
Average total assets$308,328,8002,100
Average earning assets$289,058,8002,078
Average equity$42,628,4001,751
Average total loans$160,455,6002,523
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1912%3,350
Cost of funding earning assets0.8504%1,117
Net interest margin3.3408%4,185
Noninterest income to average assets0.3724%3,649
Noninterest expense to average assets2.1498%4,425
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.2159%2,174
Return on assets (ROA)1.2167%2,172
Pretax return on assets1.3576%2,391
Return on Equity (ROE)8.8641%3,145
Retained earnings to average equity (ytd only)7.4950%1,888
Net charge-offs to loans0.1928%867
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)13.5608%2,348
Efficiency ratio61.3075%3,617
Assets per employee ($millions)7.7039%715
Cash dividends to net income (ytd only)*15.4452%3,194
Condition Ratios (%)
Loss allowance to loans1.1157%3,101
Loan loss allowance to noncurrent loans253.3149%1,850
Noncurrent assets plus other real estate owned to assets0.2349%3,780
Noncurrent loans to loans0.4404%3,078
Net loans and leases to total assets52.7507%4,442
Net loans and leases to deposits72.7936%3,698
Net loans and leases to core deposits76.8679%3,750
Total domestic deposits to total assets72.4661%5,096
Equity capital to assets13.9099%987
Core capital (leverage) ratio15.5174%595
Tier 1 risk-based capital ratio24.0468%840
Total risk-based capital ratio24.9767%853
Memoranda:
Average total assets$306,506,5002,122
Average earning assets$287,548,2502,102
Average equity$42,071,2501,781
Average total loans$159,079,0002,547
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1308%3,344
Cost of funding earning assets0.8146%1,066
Net interest margin3.3162%4,203
Noninterest income to average assets0.3634%3,722
Noninterest expense to average assets2.1075%4,589
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.2317%2,054
Return on assets (ROA)1.2329%2,044
Pretax return on assets1.3682%2,258
Return on Equity (ROE)9.0224%3,009
Retained earnings to average equity (ytd only)6.9558%2,094
Net charge-offs to loans0.0203%2,475
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)130.6875%583
Efficiency ratio60.6585%3,824
Assets per employee ($millions)7.7198%702
Cash dividends to net income (ytd only)*22.9056%2,900
Condition Ratios (%)
Loss allowance to loans1.2643%2,354
Loan loss allowance to noncurrent loans531.9481%1,047
Noncurrent assets plus other real estate owned to assets0.1247%4,376
Noncurrent loans to loans0.2377%3,858
Net loans and leases to total assets51.7941%4,489
Net loans and leases to deposits71.4018%3,757
Net loans and leases to core deposits75.2692%3,794
Total domestic deposits to total assets72.5389%5,142
Equity capital to assets13.6497%1,053
Core capital (leverage) ratio15.3867%595
Tier 1 risk-based capital ratio24.2167%815
Total risk-based capital ratio25.2830%801
Memoranda:
Average total assets$305,957,0002,136
Average earning assets$287,015,3302,117
Average equity$41,807,0001,798
Average total loans$157,309,3302,579
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0606%3,371
Cost of funding earning assets0.7939%974
Net interest margin3.2667%4,274
Noninterest income to average assets0.3651%3,701
Noninterest expense to average assets2.1304%4,584
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.1506%2,216
Return on assets (ROA)1.1506%2,226
Pretax return on assets1.2990%2,369
Return on Equity (ROE)8.4158%3,183
Retained earnings to average equity (ytd only)8.4158%1,684
Net charge-offs to loans0.0387%1,754
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)65.9333%796
Efficiency ratio62.1218%3,759
Assets per employee ($millions)7.3986%806
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3380%2,065
Loan loss allowance to noncurrent loans626.2997%902
Noncurrent assets plus other real estate owned to assets0.1490%4,336
Noncurrent loans to loans0.2136%4,017
Net loans and leases to total assets49.7849%4,574
Net loans and leases to deposits67.4585%3,987
Net loans and leases to core deposits70.8868%4,033
Total domestic deposits to total assets73.8008%5,174
Equity capital to assets13.7195%974
Core capital (leverage) ratio15.0736%648
Tier 1 risk-based capital ratio24.1926%825
Total risk-based capital ratio25.2871%813
Memoranda:
Average total assets$304,540,5002,166
Average earning assets$285,672,0002,149
Average equity$41,636,0001,811
Average total loans$154,972,5002,629
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0844%3,107
Cost of funding earning assets0.7989%627
Net interest margin3.2855%4,201
Noninterest income to average assets0.3763%3,780
Noninterest expense to average assets2.0356%4,901
Loan and lease loss provision to assets0.0792%2,610
Net operating income to assets0.6231%3,922
Return on assets (ROA)0.6242%3,953
Pretax return on assets1.3391%2,218
Return on Equity (ROE)4.5136%4,343
Retained earnings to average equity (ytd only)2.4967%3,833
Net charge-offs to loans0.1105%1,963
Credit loss provision to net charge-offs144.5783%1,836
Earnings coverage of net charge-offs (x)25.8554%1,697
Efficiency ratio58.9636%4,419
Assets per employee ($millions)7.4571%783
Cash dividends to net income (ytd only)*44.6854%2,611
Condition Ratios (%)
Loss allowance to loans1.3150%2,148
Loan loss allowance to noncurrent loans395.2107%1,340
Noncurrent assets plus other real estate owned to assets0.2116%4,077
Noncurrent loans to loans0.3327%3,576
Net loans and leases to total assets50.6365%4,615
Net loans and leases to deposits69.9569%3,879
Net loans and leases to core deposits73.2860%3,939
Total domestic deposits to total assets72.3824%5,301
Equity capital to assets13.6243%1,014
Core capital (leverage) ratio14.6552%696
Tier 1 risk-based capital ratio22.9927%911
Total risk-based capital ratio24.0613%917
Memoranda:
Average total assets$302,957,8002,150
Average earning assets$283,642,8002,135
Average equity$41,895,8001,779
Average total loans$150,195,0002,651
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0700%3,091
Cost of funding earning assets0.8001%578
Net interest margin3.2698%4,262
Noninterest income to average assets0.3785%3,821
Noninterest expense to average assets2.0137%4,924
Loan and lease loss provision to assets0.0794%2,494
Net operating income to assets1.1401%1,916
Return on assets (ROA)1.1416%1,960
Pretax return on assets1.3463%2,305
Return on Equity (ROE)8.2243%3,011
Retained earnings to average equity (ytd only)6.9214%1,731
Net charge-offs to loans0.1311%1,474
Credit loss provision to net charge-offs123.2877%1,973
Earnings coverage of net charge-offs (x)22.1098%1,883
Efficiency ratio58.5782%4,421
Assets per employee ($millions)7.3676%805
Cash dividends to net income (ytd only)*15.8423%3,298
Condition Ratios (%)
Loss allowance to loans1.3256%2,236
Loan loss allowance to noncurrent loans436.9330%1,179
Noncurrent assets plus other real estate owned to assets0.1947%4,325
Noncurrent loans to loans0.3034%3,852
Net loans and leases to total assets49.8500%4,708
Net loans and leases to deposits68.8830%4,047
Net loans and leases to core deposits72.2800%4,109
Total domestic deposits to total assets72.3692%5,354
Equity capital to assets14.3797%890
Core capital (leverage) ratio15.1631%630
Tier 1 risk-based capital ratio23.8568%863
Total risk-based capital ratio24.9171%866
Memoranda:
Average total assets$302,262,2502,171
Average earning assets$282,780,5002,157
Average equity$41,956,0001,790
Average total loans$148,524,0002,683
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0040%3,192
Cost of funding earning assets0.8005%521
Net interest margin3.2035%4,409
Noninterest income to average assets0.3810%3,822
Noninterest expense to average assets1.9780%5,022
Loan and lease loss provision to assets0.0794%2,396
Net operating income to assets1.1276%1,864
Return on assets (ROA)1.1292%1,909
Pretax return on assets1.3224%2,301
Return on Equity (ROE)8.2340%2,896
Retained earnings to average equity (ytd only)6.2563%1,988
Net charge-offs to loans-0.0027%4,214
Credit loss provision to net charge-offs-6,000.0000%5,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5586%4,524
Assets per employee ($millions)7.3952%780
Cash dividends to net income (ytd only)*24.0187%2,980
Condition Ratios (%)
Loss allowance to loans1.4043%1,935
Loan loss allowance to noncurrent loans149.8580%2,781
Noncurrent assets plus other real estate owned to assets0.4644%3,255
Noncurrent loans to loans0.9371%2,096
Net loans and leases to total assets48.8584%4,775
Net loans and leases to deposits66.9771%4,143
Net loans and leases to core deposits69.9880%4,232
Total domestic deposits to total assets72.9478%5,390
Equity capital to assets14.0803%933
Core capital (leverage) ratio14.9851%631
Tier 1 risk-based capital ratio23.6752%886
Total risk-based capital ratio24.7942%882
Memoranda:
Average total assets$302,325,6702,178
Average earning assets$282,816,3302,157
Average equity$41,462,3301,809
Average total loans$147,163,3302,704
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9406%3,241
Cost of funding earning assets0.8020%482
Net interest margin3.1386%4,533
Noninterest income to average assets0.3710%3,882
Noninterest expense to average assets2.0458%4,947
Loan and lease loss provision to assets0.0795%2,219
Net operating income to assets1.0178%2,234
Return on assets (ROA)1.0189%2,279
Pretax return on assets1.1819%2,674
Return on Equity (ROE)7.5304%3,154
Retained earnings to average equity (ytd only)7.5304%1,641
Net charge-offs to loans0.0192%2,406
Credit loss provision to net charge-offs857.1429%366
Earnings coverage of net charge-offs (x)135.8571%402
Efficiency ratio61.8838%4,166
Assets per employee ($millions)7.3595%801
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3859%2,132
Loan loss allowance to noncurrent loans139.9589%2,953
Noncurrent assets plus other real estate owned to assets0.4835%3,290
Noncurrent loans to loans0.9902%2,067
Net loans and leases to total assets48.1537%4,811
Net loans and leases to deposits66.3049%4,147
Net loans and leases to core deposits69.2208%4,208
Total domestic deposits to total assets72.6246%5,512
Equity capital to assets13.7440%990
Core capital (leverage) ratio14.9539%616
Tier 1 risk-based capital ratio23.6481%901
Total risk-based capital ratio24.7428%907
Memoranda:
Average total assets$301,887,0002,197
Average earning assets$282,292,5002,182
Average equity$40,847,5001,827
Average total loans$145,620,0002,749
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0827%2,922
Cost of funding earning assets0.8427%402
Net interest margin3.2399%4,330
Noninterest income to average assets0.3649%4,136
Noninterest expense to average assets2.0091%5,167
Loan and lease loss provision to assets0.0902%2,559
Net operating income to assets1.1114%1,854
Return on assets (ROA)1.1123%1,945
Pretax return on assets1.2994%2,288
Return on Equity (ROE)8.2760%2,799
Retained earnings to average equity (ytd only)6.2076%1,607
Net charge-offs to loans0.2718%1,017
Credit loss provision to net charge-offs70.6806%3,128
Earnings coverage of net charge-offs (x)10.8796%2,593
Efficiency ratio59.1307%4,712
Assets per employee ($millions)7.5509%714
Cash dividends to net income (ytd only)*24.9925%3,520
Condition Ratios (%)
Loss allowance to loans1.3829%2,154
Loan loss allowance to noncurrent loans226.9099%2,047
Noncurrent assets plus other real estate owned to assets0.2904%4,114
Noncurrent loans to loans0.6095%3,022
Net loans and leases to total assets46.9845%4,956
Net loans and leases to deposits64.7131%4,348
Net loans and leases to core deposits67.5479%4,428
Total domestic deposits to total assets72.6043%5,522
Equity capital to assets13.3176%1,126
Core capital (leverage) ratio14.5855%678
Tier 1 risk-based capital ratio23.5937%906
Total risk-based capital ratio24.6769%913
Memoranda:
Average total assets$299,292,4002,168
Average earning assets$280,159,6002,153
Average equity$40,224,6001,842
Average total loans$140,538,0002,776
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1292%2,764
Cost of funding earning assets0.8503%381
Net interest margin3.2788%4,261
Noninterest income to average assets0.3693%4,134
Noninterest expense to average assets1.9838%5,237
Loan and lease loss provision to assets0.0893%2,439
Net operating income to assets1.1356%1,862
Return on assets (ROA)1.1364%1,965
Pretax return on assets1.3668%2,170
Return on Equity (ROE)8.4357%2,790
Retained earnings to average equity (ytd only)7.0237%1,621
Net charge-offs to loans0.2482%945
Credit loss provision to net charge-offs76.9231%2,705
Earnings coverage of net charge-offs (x)12.5345%2,379
Efficiency ratio57.6863%4,857
Assets per employee ($millions)7.4867%722
Cash dividends to net income (ytd only)*16.7388%3,347
Condition Ratios (%)
Loss allowance to loans1.4429%2,009
Loan loss allowance to noncurrent loans357.6182%1,401
Noncurrent assets plus other real estate owned to assets0.1907%4,671
Noncurrent loans to loans0.4035%3,829
Net loans and leases to total assets46.5768%5,054
Net loans and leases to deposits63.0929%4,552
Net loans and leases to core deposits66.0370%4,602
Total domestic deposits to total assets73.8225%5,454
Equity capital to assets13.7958%1,121
Core capital (leverage) ratio14.5007%724
Tier 1 risk-based capital ratio23.3319%964
Total risk-based capital ratio24.4408%966
Memoranda:
Average total assets$298,606,5002,181
Average earning assets$279,565,7502,163
Average equity$40,224,7501,851
Average total loans$139,697,5002,790
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1859%2,558
Cost of funding earning assets0.8588%360
Net interest margin3.3271%4,132
Noninterest income to average assets0.3714%4,092
Noninterest expense to average assets1.9724%5,330
Loan and lease loss provision to assets0.0805%2,529
Net operating income to assets1.1934%1,630
Return on assets (ROA)1.1934%1,721
Pretax return on assets1.4327%1,894
Return on Equity (ROE)8.9309%2,525
Retained earnings to average equity (ytd only)6.7935%1,718
Net charge-offs to loans0.1337%1,529
Credit loss provision to net charge-offs129.0323%1,777
Earnings coverage of net charge-offs (x)24.2688%1,554
Efficiency ratio56.5878%5,068
Assets per employee ($millions)7.4486%718
Cash dividends to net income (ytd only)*23.9326%3,067
Condition Ratios (%)
Loss allowance to loans1.5089%1,826
Loan loss allowance to noncurrent loans419.7239%1,232
Noncurrent assets plus other real estate owned to assets0.1702%4,823
Noncurrent loans to loans0.3595%4,081
Net loans and leases to total assets46.6200%5,088
Net loans and leases to deposits63.2662%4,545
Net loans and leases to core deposits66.0757%4,608
Total domestic deposits to total assets73.6886%5,551
Equity capital to assets13.6281%1,170
Core capital (leverage) ratio13.0402%1,131
Tier 1 risk-based capital ratio22.7703%1,043
Total risk-based capital ratio24.0187%1,023
Memoranda:
Average total assets$298,319,6702,197
Average earning assets$279,224,6702,176
Average equity$39,861,6701,862
Average total loans$139,088,6702,806
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1215%2,768
Cost of funding earning assets0.8707%339
Net interest margin3.2508%4,394
Noninterest income to average assets0.3846%3,950
Noninterest expense to average assets2.0448%5,234
Loan and lease loss provision to assets0.0804%2,348
Net operating income to assets1.1177%1,840
Return on assets (ROA)1.1189%1,938
Pretax return on assets1.3025%2,291
Return on Equity (ROE)8.4577%2,678
Retained earnings to average equity (ytd only)8.2045%1,376
Net charge-offs to loans-0.0087%4,466
Credit loss provision to net charge-offs-2,000.0000%4,881
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.6793%4,790
Assets per employee ($millions)7.5145%698
Cash dividends to net income (ytd only)*2.9940%2,832
Condition Ratios (%)
Loss allowance to loans1.5832%1,661
Loan loss allowance to noncurrent loans418.5687%1,220
Noncurrent assets plus other real estate owned to assets0.1720%4,880
Noncurrent loans to loans0.3782%4,083
Net loans and leases to total assets44.7554%5,207
Net loans and leases to deposits60.7101%4,663
Net loans and leases to core deposits63.3879%4,731
Total domestic deposits to total assets73.7200%5,636
Equity capital to assets13.3167%1,259
Core capital (leverage) ratio14.1178%785
Tier 1 risk-based capital ratio24.6089%855
Total risk-based capital ratio25.8590%833
Memoranda:
Average total assets$298,508,0002,198
Average earning assets$279,316,0002,187
Average equity$39,490,5001,869
Average total loans$138,118,5002,821
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1062%2,890
Cost of funding earning assets0.9699%200
Net interest margin3.1362%4,819
Noninterest income to average assets0.3637%4,304
Noninterest expense to average assets2.1335%5,187
Loan and lease loss provision to assets0.0752%2,767
Net operating income to assets1.0336%2,196
Return on assets (ROA)1.0339%2,284
Pretax return on assets1.0907%3,106
Return on Equity (ROE)7.8560%3,032
Retained earnings to average equity (ytd only)7.0769%1,249
Net charge-offs to loans0.1167%2,205
Credit loss provision to net charge-offs140.1274%1,876
Earnings coverage of net charge-offs (x)21.7197%1,801
Efficiency ratio64.6705%4,140
Assets per employee ($millions)7.4110%740
Cash dividends to net income (ytd only)*9.9174%4,085
Condition Ratios (%)
Loss allowance to loans1.5063%1,974
Loan loss allowance to noncurrent loans429.8569%1,194
Noncurrent assets plus other real estate owned to assets0.1650%4,945
Noncurrent loans to loans0.3504%4,212
Net loans and leases to total assets46.3659%5,131
Net loans and leases to deposits62.7049%4,580
Net loans and leases to core deposits65.3898%4,639
Total domestic deposits to total assets73.9429%5,655
Equity capital to assets13.1407%1,285
Core capital (leverage) ratio13.9885%822
Tier 1 risk-based capital ratio23.2655%983
Total risk-based capital ratio24.4627%977
Memoranda:
Average total assets$292,570,4002,193
Average earning assets$273,830,6002,176
Average equity$38,505,6001,865
Average total loans$134,525,8002,812
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1029%2,921
Cost of funding earning assets0.9909%191
Net interest margin3.1119%4,932
Noninterest income to average assets0.3640%4,326
Noninterest expense to average assets2.0237%5,433
Loan and lease loss provision to assets0.0823%2,525
Net operating income to assets0.9959%2,490
Return on assets (ROA)0.9963%2,578
Pretax return on assets1.1719%2,922
Return on Equity (ROE)7.5671%3,304
Retained earnings to average equity (ytd only)7.5671%1,422
Net charge-offs to loans-0.0070%4,897
Credit loss provision to net charge-offs-2,571.4286%5,631
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7467%4,609
Assets per employee ($millions)7.5093%686
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6453%1,624
Loan loss allowance to noncurrent loans264.8810%1,785
Noncurrent assets plus other real estate owned to assets0.3049%4,552
Noncurrent loans to loans0.6211%3,457
Net loans and leases to total assets45.4180%5,266
Net loans and leases to deposits61.5591%4,752
Net loans and leases to core deposits64.9888%4,762
Total domestic deposits to total assets73.7795%5,730
Equity capital to assets13.5753%1,195
Core capital (leverage) ratio13.6319%969
Tier 1 risk-based capital ratio23.4897%999
Total risk-based capital ratio24.7403%989
Memoranda:
Average total assets$291,603,5002,212
Average earning assets$273,005,7502,203
Average equity$38,393,5001,886
Average total loans$133,270,2502,848
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0872%2,943
Cost of funding earning assets1.0089%172
Net interest margin3.0782%5,024
Noninterest income to average assets0.3572%4,401
Noninterest expense to average assets1.9658%5,597
Loan and lease loss provision to assets0.0824%2,465
Net operating income to assets1.0200%2,295
Return on assets (ROA)1.0200%2,402
Pretax return on assets1.1903%2,814
Return on Equity (ROE)7.8284%3,147
Retained earnings to average equity (ytd only)7.8284%1,332
Net charge-offs to loans-0.0121%4,986
Credit loss provision to net charge-offs-1,500.0000%5,428
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.6999%4,881
Assets per employee ($millions)7.5461%661
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.6283%1,817
Loan loss allowance to noncurrent loans409.6408%1,235
Noncurrent assets plus other real estate owned to assets0.2402%4,918
Noncurrent loans to loans0.3975%4,290
Net loans and leases to total assets44.4855%5,354
Net loans and leases to deposits59.9657%4,857
Net loans and leases to core deposits63.1099%4,866
Total domestic deposits to total assets74.1848%5,768
Equity capital to assets13.0746%1,363
Core capital (leverage) ratio12.9134%1,204
Tier 1 risk-based capital ratio22.2478%1,165
Total risk-based capital ratio23.4979%1,147
Memoranda:
Average total assets$291,184,0002,227
Average earning assets$272,561,0002,217
Average equity$37,939,0001,913
Average total loans$132,614,6702,861
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0735%2,941
Cost of funding earning assets1.0342%145
Net interest margin3.0392%5,107
Noninterest income to average assets0.3660%4,284
Noninterest expense to average assets2.0164%5,550
Loan and lease loss provision to assets0.0829%2,317
Net operating income to assets0.9557%2,474
Return on assets (ROA)0.9557%2,610
Pretax return on assets1.1118%3,029
Return on Equity (ROE)7.3481%3,300
Retained earnings to average equity (ytd only)7.3481%1,834
Net charge-offs to loans-0.0242%5,133
Credit loss provision to net charge-offs-750.0000%4,907
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7957%4,655
Assets per employee ($millions)7.4593%686
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6014%2,045
Loan loss allowance to noncurrent loans794.7170%662
Noncurrent assets plus other real estate owned to assets0.1523%5,344
Noncurrent loans to loans0.2015%5,052
Net loans and leases to total assets44.4832%5,313
Net loans and leases to deposits60.2910%4,723
Net loans and leases to core deposits63.2153%4,767
Total domestic deposits to total assets73.7809%5,919
Equity capital to assets13.1602%1,321
Core capital (leverage) ratio13.3742%1,023
Tier 1 risk-based capital ratio22.1035%1,223
Total risk-based capital ratio23.3194%1,212
Memoranda:
Average total assets$289,628,0002,251
Average earning assets$271,120,0002,244
Average equity$37,669,5001,935
Average total loans$132,379,0002,876
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3361%2,473
Cost of funding earning assets1.1408%109
Net interest margin3.1953%4,935
Noninterest income to average assets0.3864%4,288
Noninterest expense to average assets2.0662%5,648
Loan and lease loss provision to assets0.0848%2,781
Net operating income to assets1.0835%2,045
Return on assets (ROA)1.0886%2,071
Pretax return on assets1.2277%2,537
Return on Equity (ROE)8.7682%2,697
Retained earnings to average equity (ytd only)6.6629%1,564
Net charge-offs to loans0.0208%4,427
Credit loss provision to net charge-offs857.1429%319
Earnings coverage of net charge-offs (x)132.1429%407
Efficiency ratio61.2565%5,027
Assets per employee ($millions)7.3934%692
Cash dividends to net income (ytd only)*24.0104%3,657
Condition Ratios (%)
Loss allowance to loans1.5295%2,344
Loan loss allowance to noncurrent loans530.7292%1,018
Noncurrent assets plus other real estate owned to assets0.1949%5,250
Noncurrent loans to loans0.2882%4,817
Net loans and leases to total assets45.5036%5,367
Net loans and leases to deposits62.3985%4,693
Net loans and leases to core deposits65.4619%4,710
Total domestic deposits to total assets72.9242%6,022
Equity capital to assets12.8507%1,440
Core capital (leverage) ratio13.4781%974
Tier 1 risk-based capital ratio23.1793%1,059
Total risk-based capital ratio24.4185%1,038
Memoranda:
Average total assets$283,125,4002,252
Average earning assets$264,636,4002,237
Average equity$35,149,8001,989
Average total loans$134,439,2002,782
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3635%2,373
Cost of funding earning assets1.1582%104
Net interest margin3.2053%4,949
Noninterest income to average assets0.3865%4,343
Noninterest expense to average assets2.0627%5,652
Loan and lease loss provision to assets0.0994%2,385
Net operating income to assets1.0438%2,262
Return on assets (ROA)1.0503%2,296
Pretax return on assets1.2277%2,663
Return on Equity (ROE)8.5365%2,933
Retained earnings to average equity (ytd only)7.1138%1,760
Net charge-offs to loans-0.0247%5,675
Credit loss provision to net charge-offs-840.0000%5,845
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9876%5,042
Assets per employee ($millions)6.9222%832
Cash dividends to net income (ytd only)*16.6666%3,329
Condition Ratios (%)
Loss allowance to loans1.5421%2,536
Loan loss allowance to noncurrent loans277.3890%1,641
Noncurrent assets plus other real estate owned to assets0.3287%4,956
Noncurrent loans to loans0.5559%4,254
Net loans and leases to total assets46.3655%5,341
Net loans and leases to deposits62.8946%4,657
Net loans and leases to core deposits66.0768%4,700
Total domestic deposits to total assets73.7194%6,038
Equity capital to assets12.7328%1,567
Core capital (leverage) ratio13.5031%996
Tier 1 risk-based capital ratio22.7348%1,155
Total risk-based capital ratio23.9800%1,135
Memoranda:
Average total assets$281,821,2502,274
Average earning assets$263,390,5002,261
Average equity$34,673,7502,021
Average total loans$134,738,0002,795
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3709%2,288
Cost of funding earning assets1.1824%98
Net interest margin3.1885%4,981
Noninterest income to average assets0.3855%4,356
Noninterest expense to average assets2.0188%5,806
Loan and lease loss provision to assets0.1280%1,926
Net operating income to assets1.0478%2,128
Return on assets (ROA)1.0478%2,198
Pretax return on assets1.2178%2,583
Return on Equity (ROE)8.6176%2,775
Retained earnings to average equity (ytd only)6.4529%2,062
Net charge-offs to loans-0.0266%5,643
Credit loss provision to net charge-offs-1,000.0000%5,715
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0000%5,297
Assets per employee ($millions)6.9065%837
Cash dividends to net income (ytd only)*25.1188%2,999
Condition Ratios (%)
Loss allowance to loans1.5101%2,851
Loan loss allowance to noncurrent loans318.8976%1,430
Noncurrent assets plus other real estate owned to assets0.2988%5,169
Noncurrent loans to loans0.4735%4,581
Net loans and leases to total assets46.6423%5,300
Net loans and leases to deposits62.7712%4,615
Net loans and leases to core deposits65.9116%4,650
Total domestic deposits to total assets74.3052%6,083
Equity capital to assets12.4690%1,666
Core capital (leverage) ratio13.2895%1,052
Tier 1 risk-based capital ratio22.3215%1,215
Total risk-based capital ratio23.5470%1,199
Memoranda:
Average total assets$281,158,3302,281
Average earning assets$262,694,3302,266
Average equity$34,186,0002,032
Average total loans$135,100,3302,795
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3982%2,143
Cost of funding earning assets1.2034%93
Net interest margin3.1948%4,937
Noninterest income to average assets0.3926%4,252
Noninterest expense to average assets2.0432%5,796
Loan and lease loss provision to assets0.1285%1,889
Net operating income to assets1.0294%2,084
Return on assets (ROA)1.0294%2,160
Pretax return on assets1.2079%2,460
Return on Equity (ROE)8.5770%2,657
Retained earnings to average equity (ytd only)8.5770%1,391
Net charge-offs to loans-0.0413%5,719
Credit loss provision to net charge-offs-642.8571%5,240
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4563%5,342
Assets per employee ($millions)6.8420%864
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4448%3,392
Loan loss allowance to noncurrent loans369.7318%1,243
Noncurrent assets plus other real estate owned to assets0.2880%5,298
Noncurrent loans to loans0.3908%4,959
Net loans and leases to total assets46.9327%5,239
Net loans and leases to deposits62.6449%4,472
Net loans and leases to core deposits65.6794%4,524
Total domestic deposits to total assets74.9186%6,161
Equity capital to assets12.2272%1,732
Core capital (leverage) ratio13.2475%1,070
Tier 1 risk-based capital ratio22.1591%1,268
Total risk-based capital ratio23.3308%1,259
Memoranda:
Average total assets$280,154,5002,301
Average earning assets$261,922,5002,271
Average equity$33,625,0002,050
Average total loans$135,600,5002,803
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5206%2,128
Cost of funding earning assets1.3175%102
Net interest margin3.2031%4,991
Noninterest income to average assets0.3999%4,441
Noninterest expense to average assets2.0075%6,014
Loan and lease loss provision to assets0.1813%2,034
Net operating income to assets1.0569%2,086
Return on assets (ROA)1.0786%2,083
Pretax return on assets1.2454%2,386
Return on Equity (ROE)8.9201%2,580
Retained earnings to average equity (ytd only)6.2186%1,835
Net charge-offs to loans0.2267%2,646
Credit loss provision to net charge-offs162.3377%1,407
Earnings coverage of net charge-offs (x)12.5519%2,113
Efficiency ratio58.8855%5,623
Assets per employee ($millions)6.8240%833
Cash dividends to net income (ytd only)*30.2857%3,266
Condition Ratios (%)
Loss allowance to loans1.3269%3,998
Loan loss allowance to noncurrent loans174.7368%2,335
Noncurrent assets plus other real estate owned to assets0.4489%4,895
Noncurrent loans to loans0.7594%4,070
Net loans and leases to total assets48.5328%5,238
Net loans and leases to deposits65.4145%4,364
Net loans and leases to core deposits68.8667%4,409
Total domestic deposits to total assets74.1928%6,265
Equity capital to assets11.7769%1,963
Core capital (leverage) ratio13.1035%1,107
Tier 1 risk-based capital ratio21.4541%1,349
Total risk-based capital ratio22.5490%1,347
Memoranda:
Average total assets$275,814,6002,307
Average earning assets$259,122,2002,255
Average equity$33,351,6002,066
Average total loans$135,884,6002,761
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5473%2,048
Cost of funding earning assets1.3408%102
Net interest margin3.2065%4,977
Noninterest income to average assets0.4007%4,534
Noninterest expense to average assets2.0032%6,005
Loan and lease loss provision to assets0.2183%1,667
Net operating income to assets0.9999%2,378
Return on assets (ROA)1.0280%2,349
Pretax return on assets1.2269%2,593
Return on Equity (ROE)8.4457%2,903
Retained earnings to average equity (ytd only)6.3293%2,220
Net charge-offs to loans0.0758%3,859
Credit loss provision to net charge-offs584.4156%482
Earnings coverage of net charge-offs (x)37.7937%1,047
Efficiency ratio58.6589%5,605
Assets per employee ($millions)6.6268%883
Cash dividends to net income (ytd only)*25.0589%2,888
Condition Ratios (%)
Loss allowance to loans1.4814%3,527
Loan loss allowance to noncurrent loans234.4626%1,735
Noncurrent assets plus other real estate owned to assets0.3927%5,239
Noncurrent loans to loans0.6318%4,617
Net loans and leases to total assets49.1257%5,233
Net loans and leases to deposits66.8813%4,192
Net loans and leases to core deposits70.5699%4,257
Total domestic deposits to total assets73.4520%6,404
Equity capital to assets12.1838%1,799
Core capital (leverage) ratio13.1722%1,139
Tier 1 risk-based capital ratio21.6495%1,371
Total risk-based capital ratio22.8806%1,354
Memoranda:
Average total assets$274,821,7502,316
Average earning assets$258,345,0002,268
Average equity$33,452,0002,081
Average total loans$135,452,2502,777
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5399%2,058
Cost of funding earning assets1.3643%102
Net interest margin3.1756%5,027
Noninterest income to average assets0.3951%4,562
Noninterest expense to average assets1.9031%6,218
Loan and lease loss provision to assets0.2175%1,746
Net operating income to assets1.0864%1,968
Return on assets (ROA)1.0976%2,048
Pretax return on assets1.2745%2,389
Return on Equity (ROE)9.0204%2,599
Retained earnings to average equity (ytd only)6.8040%1,982
Net charge-offs to loans0.0768%3,614
Credit loss provision to net charge-offs576.9231%502
Earnings coverage of net charge-offs (x)39.2308%943
Efficiency ratio56.2701%5,937
Assets per employee ($millions)6.6516%847
Cash dividends to net income (ytd only)*24.5707%2,827
Condition Ratios (%)
Loss allowance to loans1.3923%4,071
Loan loss allowance to noncurrent loans195.4309%2,022
Noncurrent assets plus other real estate owned to assets0.4448%5,163
Noncurrent loans to loans0.7124%4,503
Net loans and leases to total assets48.8756%5,237
Net loans and leases to deposits66.0848%4,259
Net loans and leases to core deposits69.5804%4,312
Total domestic deposits to total assets73.9589%6,449
Equity capital to assets12.1038%1,846
Core capital (leverage) ratio12.6708%1,300
Tier 1 risk-based capital ratio21.3057%1,421
Total risk-based capital ratio22.4564%1,412
Memoranda:
Average total assets$275,863,3302,314
Average earning assets$259,475,3302,269
Average equity$33,568,3302,077
Average total loans$135,443,0002,780
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5009%2,164
Cost of funding earning assets1.3726%114
Net interest margin3.1283%5,167
Noninterest income to average assets0.4037%4,430
Noninterest expense to average assets1.9781%6,146
Loan and lease loss provision to assets0.2163%1,715
Net operating income to assets0.9919%2,258
Return on assets (ROA)0.9919%2,378
Pretax return on assets1.1534%2,751
Return on Equity (ROE)8.1305%2,903
Retained earnings to average equity (ytd only)8.1305%1,699
Net charge-offs to loans0.0472%3,371
Credit loss provision to net charge-offs937.5000%331
Earnings coverage of net charge-offs (x)59.3750%601
Efficiency ratio59.0870%5,706
Assets per employee ($millions)6.7727%859
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3248%4,576
Loan loss allowance to noncurrent loans180.9621%2,042
Noncurrent assets plus other real estate owned to assets0.4419%5,277
Noncurrent loans to loans0.7321%4,669
Net loans and leases to total assets47.4244%5,288
Net loans and leases to deposits63.9989%4,315
Net loans and leases to core deposits67.2969%4,374
Total domestic deposits to total assets74.1018%6,530
Equity capital to assets12.2965%1,837
Core capital (leverage) ratio12.6095%1,291
Tier 1 risk-based capital ratio21.1450%1,504
Total risk-based capital ratio22.2320%1,516
Memoranda:
Average total assets$277,437,5002,330
Average earning assets$261,101,5002,281
Average equity$33,848,0002,084
Average total loans$135,578,0002,795
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7903%2,237
Cost of funding earning assets1.4715%188
Net interest margin3.3188%5,188
Noninterest income to average assets0.4101%4,526
Noninterest expense to average assets2.0779%6,169
Loan and lease loss provision to assets0.2073%3,067
Net operating income to assets1.0868%1,983
Return on assets (ROA)1.0868%2,171
Pretax return on assets1.2512%2,601
Return on Equity (ROE)8.8460%2,704
Retained earnings to average equity (ytd only)6.4251%1,854
Net charge-offs to loans0.2010%3,771
Credit loss provision to net charge-offs202.2059%1,277
Earnings coverage of net charge-offs (x)14.2243%1,749
Efficiency ratio58.7571%5,733
Assets per employee ($millions)6.9299%791
Cash dividends to net income (ytd only)*27.3673%3,481
Condition Ratios (%)
Loss allowance to loans1.1866%5,178
Loan loss allowance to noncurrent loans118.8364%2,866
Noncurrent assets plus other real estate owned to assets0.5862%5,012
Noncurrent loans to loans0.9985%4,193
Net loans and leases to total assets49.0867%5,297
Net loans and leases to deposits67.3741%4,068
Net loans and leases to core deposits71.0175%4,165
Total domestic deposits to total assets72.8570%6,635
Equity capital to assets12.1038%1,978
Core capital (leverage) ratio12.8443%1,177
Tier 1 risk-based capital ratio20.3432%1,597
Total risk-based capital ratio21.3294%1,626
Memoranda:
Average total assets$265,273,8002,391
Average earning assets$249,877,4002,327
Average equity$32,591,0002,118
Average total loans$135,338,0002,787
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8412%2,233
Cost of funding earning assets1.4832%220
Net interest margin3.3580%5,188
Noninterest income to average assets0.4173%4,502
Noninterest expense to average assets2.0531%6,261
Loan and lease loss provision to assets0.2287%2,770
Net operating income to assets1.0904%2,128
Return on assets (ROA)1.0904%2,322
Pretax return on assets1.3003%2,612
Return on Equity (ROE)8.8403%2,880
Retained earnings to average equity (ytd only)7.3072%1,938
Net charge-offs to loans0.1494%3,912
Credit loss provision to net charge-offs298.0132%910
Earnings coverage of net charge-offs (x)19.9204%1,469
Efficiency ratio57.3152%5,881
Assets per employee ($millions)6.6657%876
Cash dividends to net income (ytd only)*17.3427%3,161
Condition Ratios (%)
Loss allowance to loans1.2159%5,216
Loan loss allowance to noncurrent loans182.2687%1,918
Noncurrent assets plus other real estate owned to assets0.4343%5,591
Noncurrent loans to loans0.6671%5,110
Net loans and leases to total assets50.4274%5,258
Net loans and leases to deposits68.9669%4,037
Net loans and leases to core deposits72.8691%4,143
Total domestic deposits to total assets73.1183%6,667
Equity capital to assets12.5104%1,886
Core capital (leverage) ratio12.6972%1,320
Tier 1 risk-based capital ratio20.5405%1,630
Total risk-based capital ratio21.5588%1,655
Memoranda:
Average total assets$262,293,5002,434
Average earning assets$247,206,2502,375
Average equity$32,351,0002,144
Average total loans$134,747,5002,830
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8766%2,203
Cost of funding earning assets1.4920%248
Net interest margin3.3846%5,140
Noninterest income to average assets0.4202%4,500
Noninterest expense to average assets1.9950%6,446
Loan and lease loss provision to assets0.2300%2,771
Net operating income to assets1.1516%1,875
Return on assets (ROA)1.1516%2,086
Pretax return on assets1.3832%2,265
Return on Equity (ROE)9.3828%2,623
Retained earnings to average equity (ytd only)7.0590%2,070
Net charge-offs to loans0.1072%4,113
Credit loss provision to net charge-offs416.6667%711
Earnings coverage of net charge-offs (x)29.2222%1,090
Efficiency ratio55.2911%6,189
Assets per employee ($millions)6.8751%775
Cash dividends to net income (ytd only)*24.7670%2,826
Condition Ratios (%)
Loss allowance to loans1.1792%5,449
Loan loss allowance to noncurrent loans122.8860%2,663
Noncurrent assets plus other real estate owned to assets0.5826%5,313
Noncurrent loans to loans0.9595%4,589
Net loans and leases to total assets49.5096%5,422
Net loans and leases to deposits69.0443%4,035
Net loans and leases to core deposits72.8723%4,183
Total domestic deposits to total assets71.7070%6,817
Equity capital to assets12.2243%1,990
Core capital (leverage) ratio12.5684%1,323
Tier 1 risk-based capital ratio20.2177%1,658
Total risk-based capital ratio21.1959%1,684
Memoranda:
Average total assets$260,849,0002,448
Average earning assets$245,703,3302,390
Average equity$32,016,0002,151
Average total loans$134,294,0002,846
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9503%2,065
Cost of funding earning assets1.5234%256
Net interest margin3.4269%5,005
Noninterest income to average assets0.4230%4,497
Noninterest expense to average assets2.0248%6,419
Loan and lease loss provision to assets0.2333%2,612
Net operating income to assets1.1430%1,905
Return on assets (ROA)1.1430%2,090
Pretax return on assets1.3903%2,219
Return on Equity (ROE)9.2934%2,688
Retained earnings to average equity (ytd only)9.2934%1,482
Net charge-offs to loans0.2204%2,818
Credit loss provision to net charge-offs202.7027%1,325
Earnings coverage of net charge-offs (x)14.1081%1,489
Efficiency ratio55.4987%6,185
Assets per employee ($millions)6.4899%986
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.0783%5,974
Loan loss allowance to noncurrent loans98.9634%3,097
Noncurrent assets plus other real estate owned to assets0.6633%5,233
Noncurrent loans to loans1.0896%4,512
Net loans and leases to total assets50.6038%5,220
Net loans and leases to deposits68.9593%3,885
Net loans and leases to core deposits72.5939%4,071
Total domestic deposits to total assets73.3822%6,795
Equity capital to assets12.3018%1,849
Core capital (leverage) ratio12.5504%1,322
Tier 1 risk-based capital ratio20.4256%1,611
Total risk-based capital ratio21.3299%1,665
Memoranda:
Average total assets$257,208,5002,498
Average earning assets$242,086,0002,431
Average equity$31,635,5002,171
Average total loans$134,274,0002,866
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1711%2,181
Cost of funding earning assets1.6038%474
Net interest margin3.5674%4,856
Noninterest income to average assets0.3758%4,821
Noninterest expense to average assets2.0674%6,551
Loan and lease loss provision to assets0.2500%3,701
Net operating income to assets1.1815%1,562
Return on assets (ROA)1.1815%1,681
Pretax return on assets1.4121%1,744
Return on Equity (ROE)9.7563%2,142
Retained earnings to average equity (ytd only)7.3822%1,327
Net charge-offs to loans0.3673%3,563
Credit loss provision to net charge-offs128.6307%2,397
Earnings coverage of net charge-offs (x)8.5519%2,127
Efficiency ratio55.4330%6,375
Assets per employee ($millions)6.2151%1,092
Cash dividends to net income (ytd only)*24.3345%3,356
Condition Ratios (%)
Loss allowance to loans0.9989%6,225
Loan loss allowance to noncurrent loans78.7914%3,705
Noncurrent assets plus other real estate owned to assets0.6754%5,290
Noncurrent loans to loans1.2678%4,255
Net loans and leases to total assets52.7408%5,195
Net loans and leases to deposits73.4618%3,588
Net loans and leases to core deposits77.0268%3,823
Total domestic deposits to total assets71.7934%6,882
Equity capital to assets12.2973%1,913
Core capital (leverage) ratio12.6393%1,293
Tier 1 risk-based capital ratio19.9540%1,653
Total risk-based capital ratio20.8100%1,706
Memoranda:
Average total assets$247,996,2002,541
Average earning assets$233,140,0002,471
Average equity$30,031,8002,199
Average total loans$131,227,2002,965
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1998%2,213
Cost of funding earning assets1.6119%550
Net interest margin3.5879%4,821
Noninterest income to average assets0.3367%5,165
Noninterest expense to average assets1.9727%6,744
Loan and lease loss provision to assets0.2003%4,017
Net operating income to assets1.2462%1,528
Return on assets (ROA)1.2462%1,631
Pretax return on assets1.5353%1,562
Return on Equity (ROE)10.3322%2,093
Retained earnings to average equity (ytd only)8.7299%1,240
Net charge-offs to loans0.1568%4,519
Credit loss provision to net charge-offs241.8301%1,186
Earnings coverage of net charge-offs (x)20.9548%1,202
Efficiency ratio53.1971%6,576
Assets per employee ($millions)6.1379%1,125
Cash dividends to net income (ytd only)*15.5083%3,098
Condition Ratios (%)
Loss allowance to loans1.0884%5,935
Loan loss allowance to noncurrent loans92.9404%3,148
Noncurrent assets plus other real estate owned to assets0.6135%5,595
Noncurrent loans to loans1.1710%4,585
Net loans and leases to total assets51.8225%5,470
Net loans and leases to deposits72.4851%3,895
Net loans and leases to core deposits75.5965%4,243
Total domestic deposits to total assets71.4941%6,965
Equity capital to assets12.3996%1,972
Core capital (leverage) ratio12.8238%1,285
Tier 1 risk-based capital ratio20.3418%1,602
Total risk-based capital ratio21.2733%1,650
Memoranda:
Average total assets$246,290,2502,571
Average earning assets$231,437,7502,492
Average equity$29,705,7502,214
Average total loans$130,096,5003,005
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2231%2,175
Cost of funding earning assets1.6252%633
Net interest margin3.5979%4,728
Noninterest income to average assets0.3444%5,126
Noninterest expense to average assets1.9648%6,856
Loan and lease loss provision to assets0.1800%4,119
Net operating income to assets1.2622%1,414
Return on assets (ROA)1.2622%1,479
Pretax return on assets1.5787%1,297
Return on Equity (ROE)10.5662%1,931
Retained earnings to average equity (ytd only)8.1215%1,417
Net charge-offs to loans0.1390%4,361
Credit loss provision to net charge-offs244.4444%1,242
Earnings coverage of net charge-offs (x)23.8889%1,076
Efficiency ratio52.7680%6,737
Assets per employee ($millions)6.0093%1,183
Cash dividends to net income (ytd only)*23.1367%2,747
Condition Ratios (%)
Loss allowance to loans1.0349%6,205
Loan loss allowance to noncurrent loans80.8638%3,483
Noncurrent assets plus other real estate owned to assets0.6766%5,549
Noncurrent loans to loans1.2798%4,524
Net loans and leases to total assets52.3204%5,528
Net loans and leases to deposits71.5498%4,194
Net loans and leases to core deposits74.7235%4,482
Total domestic deposits to total assets73.1244%6,911
Equity capital to assets12.3054%1,902
Core capital (leverage) ratio12.5087%1,352
Tier 1 risk-based capital ratio20.6032%1,495
Total risk-based capital ratio21.5114%1,533
Memoranda:
Average total assets$244,502,6702,606
Average earning assets$229,632,3302,527
Average equity$29,206,3302,229
Average total loans$129,512,6703,046
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1988%2,223
Cost of funding earning assets1.6256%743
Net interest margin3.5732%4,704
Noninterest income to average assets0.3695%4,957
Noninterest expense to average assets2.0216%6,797
Loan and lease loss provision to assets0.1478%4,164
Net operating income to assets1.2399%1,421
Return on assets (ROA)1.2399%1,477
Pretax return on assets1.5536%1,288
Return on Equity (ROE)10.5408%1,898
Retained earnings to average equity (ytd only)10.5408%985
Net charge-offs to loans-0.0805%7,023
Credit loss provision to net charge-offs-346.1538%5,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3008%6,668
Assets per employee ($millions)6.0189%1,181
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0351%6,270
Loan loss allowance to noncurrent loans90.8657%3,144
Noncurrent assets plus other real estate owned to assets0.5945%5,781
Noncurrent loans to loans1.1391%4,802
Net loans and leases to total assets51.6475%5,626
Net loans and leases to deposits69.7692%4,379
Net loans and leases to core deposits73.7034%4,561
Total domestic deposits to total assets74.0261%6,896
Equity capital to assets11.7402%2,088
Core capital (leverage) ratio12.5620%1,296
Tier 1 risk-based capital ratio20.4457%1,492
Total risk-based capital ratio21.3497%1,532
Memoranda:
Average total assets$243,564,0002,630
Average earning assets$228,590,0002,558
Average equity$28,650,5002,258
Average total loans$129,141,5003,082
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3602%2,856
Cost of funding earning assets1.7900%1,210
Net interest margin3.5702%4,962
Noninterest income to average assets0.3904%4,973
Noninterest expense to average assets2.0527%6,939
Loan and lease loss provision to assets0.2609%4,703
Net operating income to assets1.1592%1,515
Return on assets (ROA)1.1592%1,600
Pretax return on assets1.4244%1,580
Return on Equity (ROE)9.5903%2,081
Retained earnings to average equity (ytd only)6.6369%1,490
Net charge-offs to loans0.4243%3,925
Credit loss provision to net charge-offs115.6069%3,736
Earnings coverage of net charge-offs (x)7.4682%2,125
Efficiency ratio54.9145%6,723
Assets per employee ($millions)6.0088%1,205
Cash dividends to net income (ytd only)*30.7952%3,008
Condition Ratios (%)
Loss allowance to loans0.9406%6,605
Loan loss allowance to noncurrent loans79.9737%3,534
Noncurrent assets plus other real estate owned to assets0.6337%5,728
Noncurrent loans to loans1.1761%4,755
Net loans and leases to total assets53.3711%5,722
Net loans and leases to deposits73.1176%4,340
Net loans and leases to core deposits76.7545%4,612
Total domestic deposits to total assets72.9935%6,995
Equity capital to assets11.7864%2,050
Core capital (leverage) ratio12.5766%1,280
Tier 1 risk-based capital ratio20.1579%1,453
Total risk-based capital ratio20.9932%1,512
Memoranda:
Average total assets$229,994,8002,758
Average earning assets$215,644,8002,678
Average equity$27,799,0002,328
Average total loans$122,330,4003,270
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4012%2,876
Cost of funding earning assets1.8188%1,349
Net interest margin3.5825%4,956
Noninterest income to average assets0.3922%5,021
Noninterest expense to average assets2.0187%7,016
Loan and lease loss provision to assets0.2111%4,956
Net operating income to assets1.1902%1,617
Return on assets (ROA)1.1902%1,710
Pretax return on assets1.5197%1,561
Return on Equity (ROE)9.7830%2,211
Retained earnings to average equity (ytd only)7.6047%1,557
Net charge-offs to loans0.3385%3,952
Credit loss provision to net charge-offs117.6471%3,526
Earnings coverage of net charge-offs (x)9.6471%1,997
Efficiency ratio53.8389%6,803
Assets per employee ($millions)5.7450%1,427
Cash dividends to net income (ytd only)*22.2659%2,868
Condition Ratios (%)
Loss allowance to loans0.9534%6,557
Loan loss allowance to noncurrent loans59.0278%4,382
Noncurrent assets plus other real estate owned to assets0.9286%5,241
Noncurrent loans to loans1.6152%4,220
Net loans and leases to total assets53.7959%5,878
Net loans and leases to deposits72.8707%4,714
Net loans and leases to core deposits76.3935%5,007
Total domestic deposits to total assets73.8238%6,939
Equity capital to assets12.5117%1,852
Core capital (leverage) ratio12.8737%1,277
Tier 1 risk-based capital ratio21.0852%1,343
Total risk-based capital ratio21.9467%1,392
Memoranda:
Average total assets$227,405,2502,822
Average earning assets$213,107,5002,751
Average equity$27,666,5002,366
Average total loans$120,538,7503,359
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3937%3,000
Cost of funding earning assets1.8384%1,495
Net interest margin3.5553%5,027
Noninterest income to average assets0.3857%5,031
Noninterest expense to average assets1.9364%7,202
Loan and lease loss provision to assets0.1500%5,398
Net operating income to assets1.2992%1,309
Return on assets (ROA)1.2992%1,369
Pretax return on assets1.6310%1,209
Return on Equity (ROE)10.7820%1,826
Retained earnings to average equity (ytd only)8.1085%1,404
Net charge-offs to loans0.4248%3,296
Credit loss provision to net charge-offs67.1937%5,040
Earnings coverage of net charge-offs (x)7.9763%2,210
Efficiency ratio52.0893%7,057
Assets per employee ($millions)5.6653%1,476
Cash dividends to net income (ytd only)*24.7962%2,713
Condition Ratios (%)
Loss allowance to loans0.8726%6,845
Loan loss allowance to noncurrent loans59.6382%4,364
Noncurrent assets plus other real estate owned to assets0.8420%5,432
Noncurrent loans to loans1.4632%4,515
Net loans and leases to total assets52.8845%6,117
Net loans and leases to deposits71.7522%5,032
Net loans and leases to core deposits75.2772%5,287
Total domestic deposits to total assets73.7043%7,011
Equity capital to assets12.4910%1,809
Core capital (leverage) ratio12.6464%1,346
Tier 1 risk-based capital ratio21.7243%1,243
Total risk-based capital ratio22.5241%1,273
Memoranda:
Average total assets$226,607,0002,851
Average earning assets$212,357,3302,786
Average equity$27,304,6702,389
Average total loans$119,114,0003,417
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3354%3,366
Cost of funding earning assets1.8678%1,577
Net interest margin3.4676%5,296
Noninterest income to average assets0.3954%4,952
Noninterest expense to average assets1.9594%7,231
Loan and lease loss provision to assets0.1412%5,136
Net operating income to assets1.2427%1,421
Return on assets (ROA)1.2427%1,494
Pretax return on assets1.5392%1,424
Return on Equity (ROE)10.5059%1,948
Retained earnings to average equity (ytd only)10.5059%1,041
Net charge-offs to loans0.0440%4,979
Credit loss provision to net charge-offs615.3846%709
Earnings coverage of net charge-offs (x)73.2308%427
Efficiency ratio53.8312%6,990
Assets per employee ($millions)5.7243%1,477
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0113%6,402
Loan loss allowance to noncurrent loans74.9689%3,629
Noncurrent assets plus other real estate owned to assets0.7014%5,770
Noncurrent loans to loans1.3490%4,725
Net loans and leases to total assets51.4672%6,326
Net loans and leases to deposits69.5050%5,408
Net loans and leases to core deposits72.7690%5,633
Total domestic deposits to total assets74.0482%7,043
Equity capital to assets11.9046%2,101
Core capital (leverage) ratio12.4249%1,438
Tier 1 risk-based capital ratio21.5288%1,264
Total risk-based capital ratio22.4463%1,291
Memoranda:
Average total assets$226,605,0002,908
Average earning assets$212,017,5002,854
Average equity$26,804,0002,450
Average total loans$118,222,5003,490
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6118%3,541
Cost of funding earning assets2.1574%2,202
Net interest margin3.4544%5,155
Noninterest income to average assets0.4578%4,737
Noninterest expense to average assets2.3147%6,711
Loan and lease loss provision to assets0.1254%6,386
Net operating income to assets1.0381%1,710
Return on assets (ROA)1.0397%1,750
Pretax return on assets1.2686%1,786
Return on Equity (ROE)8.1467%2,311
Retained earnings to average equity (ytd only)4.7592%1,939
Net charge-offs to loans0.3538%4,461
Credit loss provision to net charge-offs66.3391%6,554
Earnings coverage of net charge-offs (x)7.3661%2,164
Efficiency ratio62.4452%6,067
Assets per employee ($millions)5.6060%1,552
Cash dividends to net income (ytd only)*41.5811%2,848
Condition Ratios (%)
Loss allowance to loans0.9685%6,541
Loan loss allowance to noncurrent loans83.1748%3,329
Noncurrent assets plus other real estate owned to assets0.6096%5,928
Noncurrent loans to loans1.1644%4,999
Net loans and leases to total assets51.8460%6,440
Net loans and leases to deposits70.5776%5,526
Net loans and leases to core deposits93.1921%4,760
Total domestic deposits to total assets73.4596%7,093
Equity capital to assets11.7509%2,164
Core capital (leverage) ratio12.5385%1,436
Tier 1 risk-based capital ratio21.4491%1,225
Total risk-based capital ratio22.3344%1,250
Memoranda:
Average total assets$215,360,0003,014
Average earning assets$202,555,4002,939
Average equity$27,483,4002,416
Average total loans$115,045,4003,580
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6418%3,624
Cost of funding earning assets2.2041%2,398
Net interest margin3.4377%5,122
Noninterest income to average assets0.4667%4,773
Noninterest expense to average assets2.2170%6,927
Loan and lease loss provision to assets0.0563%6,806
Net operating income to assets1.1165%1,686
Return on assets (ROA)1.1185%1,743
Pretax return on assets1.4331%1,614
Return on Equity (ROE)8.5856%2,417
Retained earnings to average equity (ytd only)5.8198%2,032
Net charge-offs to loans0.2574%4,443
Credit loss provision to net charge-offs40.7240%6,415
Earnings coverage of net charge-offs (x)10.7556%1,928
Efficiency ratio59.8548%6,435
Assets per employee ($millions)5.4143%1,694
Cash dividends to net income (ytd only)*32.2147%2,795
Condition Ratios (%)
Loss allowance to loans0.9780%6,407
Loan loss allowance to noncurrent loans101.2400%2,745
Noncurrent assets plus other real estate owned to assets0.5213%6,157
Noncurrent loans to loans0.9660%5,364
Net loans and leases to total assets53.4377%6,448
Net loans and leases to deposits72.5928%5,572
Net loans and leases to core deposits96.1660%4,795
Total domestic deposits to total assets73.6129%7,013
Equity capital to assets13.1504%1,640
Core capital (leverage) ratio13.1720%1,333
Tier 1 risk-based capital ratio22.5978%1,160
Total risk-based capital ratio23.5151%1,177
Memoranda:
Average total assets$213,140,2503,052
Average earning assets$200,712,5002,974
Average equity$27,766,7502,405
Average total loans$114,457,7503,625
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6134%4,003
Cost of funding earning assets2.2548%2,556
Net interest margin3.3586%5,325
Noninterest income to average assets0.4660%4,741
Noninterest expense to average assets2.1151%7,244
Loan and lease loss provision to assets0.0566%6,656
Net operating income to assets1.1378%1,637
Return on assets (ROA)1.1378%1,722
Pretax return on assets1.4547%1,576
Return on Equity (ROE)8.7617%2,444
Retained earnings to average equity (ytd only)4.8167%2,627
Net charge-offs to loans0.0194%6,247
Credit loss provision to net charge-offs545.4545%852
Earnings coverage of net charge-offs (x)145.6364%277
Efficiency ratio58.3247%6,808
Assets per employee ($millions)5.3422%1,726
Cash dividends to net income (ytd only)*45.0249%2,225
Condition Ratios (%)
Loss allowance to loans1.1565%5,227
Loan loss allowance to noncurrent loans69.4488%3,961
Noncurrent assets plus other real estate owned to assets0.8915%5,201
Noncurrent loans to loans1.6653%3,996
Net loans and leases to total assets52.9148%6,576
Net loans and leases to deposits71.3339%5,833
Net loans and leases to core deposits93.1961%5,218
Total domestic deposits to total assets74.1791%6,928
Equity capital to assets12.8323%1,776
Core capital (leverage) ratio12.9551%1,445
Tier 1 risk-based capital ratio22.5543%1,181
Total risk-based capital ratio23.6351%1,171
Memoranda:
Average total assets$211,996,3303,087
Average earning assets$199,487,3303,007
Average equity$27,529,0002,436
Average total loans$113,652,3303,684
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6042%4,330
Cost of funding earning assets2.3158%2,632
Net interest margin3.2884%5,532
Noninterest income to average assets0.4755%4,549
Noninterest expense to average assets2.1103%7,094
Loan and lease loss provision to assets0.0568%6,253
Net operating income to assets1.0874%2,005
Return on assets (ROA)1.0874%2,134
Pretax return on assets1.4018%1,964
Return on Equity (ROE)8.3240%2,995
Retained earnings to average equity (ytd only)8.3240%1,692
Net charge-offs to loans-0.0777%7,820
Credit loss provision to net charge-offs-136.3636%6,236
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1295%6,536
Assets per employee ($millions)5.3143%1,730
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1718%4,976
Loan loss allowance to noncurrent loans43.3192%5,635
Noncurrent assets plus other real estate owned to assets1.4400%3,771
Noncurrent loans to loans2.7050%2,426
Net loans and leases to total assets52.6100%6,621
Net loans and leases to deposits70.0120%5,978
Net loans and leases to core deposits91.2215%5,439
Total domestic deposits to total assets75.1442%6,682
Equity capital to assets13.0489%1,720
Core capital (leverage) ratio13.0738%1,459
Tier 1 risk-based capital ratio22.7773%1,218
Total risk-based capital ratio23.8748%1,199
Memoranda:
Average total assets$211,151,0003,100
Average earning assets$198,638,5003,032
Average equity$27,583,0002,447
Average total loans$113,281,0003,714
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2588%4,191
Cost of funding earning assets2.8271%2,594
Net interest margin3.4317%5,540
Noninterest income to average assets0.4808%4,790
Noninterest expense to average assets2.2360%6,873
Loan and lease loss provision to assets0.0588%6,674
Net operating income to assets1.1017%2,139
Return on assets (ROA)1.1028%2,050
Pretax return on assets1.4062%1,957
Return on Equity (ROE)8.4790%2,853
Retained earnings to average equity (ytd only)4.8123%2,137
Net charge-offs to loans0.1960%4,231
Credit loss provision to net charge-offs53.3333%6,313
Earnings coverage of net charge-offs (x)13.2711%2,148
Efficiency ratio60.4399%6,272
Assets per employee ($millions)5.2433%1,693
Cash dividends to net income (ytd only)*43.2444%3,500
Condition Ratios (%)
Loss allowance to loans1.1243%5,103
Loan loss allowance to noncurrent loans141.9822%2,585
Noncurrent assets plus other real estate owned to assets0.4463%5,877
Noncurrent loans to loans0.7919%5,060
Net loans and leases to total assets53.4625%6,712
Net loans and leases to deposits71.4974%6,118
Net loans and leases to core deposits92.5951%5,581
Total domestic deposits to total assets74.7754%6,503
Equity capital to assets13.0776%1,752
Core capital (leverage) ratio13.1407%1,506
Tier 1 risk-based capital ratio22.5310%1,248
Total risk-based capital ratio23.5971%1,245
Memoranda:
Average total assets$204,022,8003,085
Average earning assets$191,364,0003,020
Average equity$26,536,0002,512
Average total loans$114,806,8003,568