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Sterling 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 assets4.8728%3,331
Cost of funding earning assets1.8633%2,283
Net interest margin3.0096%3,374
Noninterest income to average assets0.3400%2,607
Noninterest expense to average assets2.0626%3,425
Loan and lease loss provision to assets0.0300%2,300
Net operating income to assets1.1554%1,840
Return on assets (ROA)1.1554%1,839
Pretax return on assets1.1566%2,346
Return on Equity (ROE)13.5700%1,365
Retained earnings to average equity (ytd only)13.5677%588
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio63.3966%2,552
Assets per employee ($millions)7.0964%2,151
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.9511%3,442
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets66.8900%2,205
Net loans and leases to deposits75.6702%2,429
Net loans and leases to core deposits86.6922%2,268
Total domestic deposits to total assets88.3900%1,425
Equity capital to assets8.5678%3,266
Core capital (leverage) ratio8.9387%3,820
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3483%1,736
Memoranda:
Average total assets$349,653,5002,264
Average earning assets$338,118,5002,190
Average equity$29,776,5002,431
Average total loans$236,591,5002,185
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7543%3,509
Cost of funding earning assets1.8871%2,499
Net interest margin2.8672%3,369
Noninterest income to average assets0.3400%2,807
Noninterest expense to average assets2.0163%3,574
Loan and lease loss provision to assets0.0300%2,546
Net operating income to assets1.0752%1,824
Return on assets (ROA)1.0752%1,833
Pretax return on assets1.0737%2,316
Return on Equity (ROE)12.8400%1,393
Retained earnings to average equity (ytd only)2.4633%3,232
Net charge-offs to loans-0.0004%3,701
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio64.5254%2,670
Assets per employee ($millions)6.8898%2,230
Cash dividends to net income (ytd only)*80.8190%551
Condition Ratios (%)
Loss allowance to loans0.9629%3,413
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets67.1500%2,244
Net loans and leases to deposits76.0021%2,461
Net loans and leases to core deposits87.1881%2,316
Total domestic deposits to total assets88.3500%1,382
Equity capital to assets8.4627%3,232
Core capital (leverage) ratio8.6955%3,957
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5466%2,033
Memoranda:
Average total assets$345,243,4002,255
Average earning assets$335,278,8002,188
Average equity$28,904,6002,414
Average total loans$230,938,8002,185
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6793%3,592
Cost of funding earning assets1.8795%2,520
Net interest margin2.7998%3,453
Noninterest income to average assets0.3300%2,850
Noninterest expense to average assets1.9974%3,577
Loan and lease loss provision to assets0.0300%2,381
Net operating income to assets1.0236%1,972
Return on assets (ROA)1.0236%1,979
Pretax return on assets1.0244%2,467
Return on Equity (ROE)12.2600%1,548
Retained earnings to average equity (ytd only)5.3253%2,339
Net charge-offs to loans-0.0006%3,595
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio65.3492%2,546
Assets per employee ($millions)7.3439%1,909
Cash dividends to net income (ytd only)*56.5611%1,118
Condition Ratios (%)
Loss allowance to loans0.9608%3,433
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets66.2700%2,290
Net loans and leases to deposits76.8779%2,443
Net loans and leases to core deposits88.2946%2,272
Total domestic deposits to total assets86.2000%1,859
Equity capital to assets8.6275%3,306
Core capital (leverage) ratio8.9051%3,822
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6193%2,041
Memoranda:
Average total assets$345,432,0002,243
Average earning assets$335,822,5002,173
Average equity$28,842,5002,422
Average total loans$230,280,5002,180
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6185%3,614
Cost of funding earning assets1.8534%2,492
Net interest margin2.7652%3,473
Noninterest income to average assets0.3300%2,813
Noninterest expense to average assets2.0334%3,478
Loan and lease loss provision to assets0.0300%2,286
Net operating income to assets0.9458%2,165
Return on assets (ROA)0.9458%2,168
Pretax return on assets0.9470%2,632
Return on Equity (ROE)11.4500%1,756
Retained earnings to average equity (ytd only)6.1969%1,934
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio67.4410%2,391
Assets per employee ($millions)6.7458%2,241
Cash dividends to net income (ytd only)*45.8996%1,606
Condition Ratios (%)
Loss allowance to loans0.9437%3,542
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assets0.0000%3,854
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets66.7500%2,265
Net loans and leases to deposits77.2679%2,448
Net loans and leases to core deposits87.2251%2,330
Total domestic deposits to total assets86.3900%1,862
Equity capital to assets8.4084%3,157
Core capital (leverage) ratio8.7942%3,895
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3788%2,114
Memoranda:
Average total assets$345,521,3332,231
Average earning assets$336,038,6672,161
Average equity$28,530,3332,411
Average total loans$230,053,0002,170
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5327%3,628
Cost of funding earning assets1.8221%2,441
Net interest margin2.7106%3,548
Noninterest income to average assets0.3000%2,941
Noninterest expense to average assets2.0447%3,470
Loan and lease loss provision to assets0.0300%2,039
Net operating income to assets0.8548%2,374
Return on assets (ROA)0.8548%2,391
Pretax return on assets0.8560%2,787
Return on Equity (ROE)10.4500%1,997
Retained earnings to average equity (ytd only)10.4477%1,017
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio69.6576%2,187
Assets per employee ($millions)6.8059%2,202
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans0.9282%3,608
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets66.3600%2,197
Net loans and leases to deposits78.5578%2,183
Net loans and leases to core deposits88.2052%2,155
Total domestic deposits to total assets84.4700%2,575
Equity capital to assets8.2656%3,187
Core capital (leverage) ratio8.7488%3,918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2980%2,143
Memoranda:
Average total assets$346,263,5002,224
Average earning assets$336,755,0002,164
Average equity$28,331,5002,431
Average total loans$229,155,0002,174
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1620%3,697
Cost of funding earning assets1.4093%2,209
Net interest margin2.7527%3,747
Noninterest income to average assets0.3500%2,791
Noninterest expense to average assets1.9198%3,797
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets1.0696%2,014
Return on assets (ROA)1.0696%1,982
Pretax return on assets1.0707%2,493
Return on Equity (ROE)13.7500%1,542
Retained earnings to average equity (ytd only)7.1967%1,830
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio63.4543%2,677
Assets per employee ($millions)6.7731%2,226
Cash dividends to net income (ytd only)*47.6580%1,743
Condition Ratios (%)
Loss allowance to loans0.9423%3,560
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets64.7600%2,396
Net loans and leases to deposits76.6551%2,387
Net loans and leases to core deposits85.2552%2,358
Total domestic deposits to total assets84.4800%2,474
Equity capital to assets8.0981%3,353
Core capital (leverage) ratio8.5156%4,085
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9980%2,246
Memoranda:
Average total assets$343,319,6002,219
Average earning assets$333,927,0002,160
Average equity$26,706,8002,417
Average total loans$219,508,8002,166
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0558%3,746
Cost of funding earning assets1.3300%2,059
Net interest margin2.7259%3,846
Noninterest income to average assets0.3400%2,860
Noninterest expense to average assets1.9125%3,784
Loan and lease loss provision to assets0.0400%2,145
Net operating income to assets1.0490%2,222
Return on assets (ROA)1.0490%2,211
Pretax return on assets1.0509%2,709
Return on Equity (ROE)13.6300%1,761
Retained earnings to average equity (ytd only)7.3106%2,196
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio63.7826%2,526
Assets per employee ($millions)7.1420%1,855
Cash dividends to net income (ytd only)*46.3478%1,403
Condition Ratios (%)
Loss allowance to loans0.9241%3,651
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets64.2700%2,413
Net loans and leases to deposits74.8380%2,504
Net loans and leases to core deposits82.3080%2,447
Total domestic deposits to total assets85.8800%2,237
Equity capital to assets7.6769%3,258
Core capital (leverage) ratio8.2235%4,293
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8724%2,311
Memoranda:
Average total assets$342,793,0002,228
Average earning assets$333,734,0002,169
Average equity$26,390,2502,427
Average total loans$217,931,2502,174
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9145%3,840
Cost of funding earning assets1.1788%2,055
Net interest margin2.7357%3,929
Noninterest income to average assets0.3400%2,832
Noninterest expense to average assets1.9277%3,762
Loan and lease loss provision to assets0.0400%2,074
Net operating income to assets1.0329%2,313
Return on assets (ROA)1.0329%2,307
Pretax return on assets1.0352%2,815
Return on Equity (ROE)13.4000%1,819
Retained earnings to average equity (ytd only)7.6854%2,070
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio64.2955%2,450
Assets per employee ($millions)6.7893%2,074
Cash dividends to net income (ytd only)*42.6621%1,590
Condition Ratios (%)
Loss allowance to loans0.9275%3,690
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0390%3,390
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets63.8000%2,405
Net loans and leases to deposits75.6369%2,349
Net loans and leases to core deposits82.8611%2,274
Total domestic deposits to total assets84.3500%2,740
Equity capital to assets7.6901%3,409
Core capital (leverage) ratio8.3442%4,232
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3029%2,173
Memoranda:
Average total assets$340,404,6672,239
Average earning assets$331,177,6672,182
Average equity$26,231,6672,448
Average total loans$214,899,6672,189
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8090%3,841
Cost of funding earning assets0.9965%2,063
Net interest margin2.8126%3,934
Noninterest income to average assets0.3000%3,072
Noninterest expense to average assets1.9462%3,758
Loan and lease loss provision to assets0.0400%1,925
Net operating income to assets1.0501%2,382
Return on assets (ROA)1.0501%2,347
Pretax return on assets1.0537%2,850
Return on Equity (ROE)13.6100%1,859
Retained earnings to average equity (ytd only)13.6130%993
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio64.1156%2,441
Assets per employee ($millions)7.2624%1,774
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.9500%3,714
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0396%3,394
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets62.2500%2,441
Net loans and leases to deposits71.6229%2,498
Net loans and leases to core deposits76.8098%2,474
Total domestic deposits to total assets86.9200%2,297
Equity capital to assets7.7953%3,386
Core capital (leverage) ratio8.4513%4,181
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3690%2,232
Memoranda:
Average total assets$337,481,0002,280
Average earning assets$327,958,5002,224
Average equity$26,034,0002,483
Average total loans$210,862,5002,235
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3890%3,370
Cost of funding earning assets0.3943%2,149
Net interest margin2.9947%3,466
Noninterest income to average assets0.4100%2,635
Noninterest expense to average assets1.9550%3,696
Loan and lease loss provision to assets0.0200%2,518
Net operating income to assets1.3407%1,309
Return on assets (ROA)1.3407%1,265
Pretax return on assets1.3464%1,940
Return on Equity (ROE)17.0600%853
Retained earnings to average equity (ytd only)5.4719%2,844
Net charge-offs to loans-0.0005%3,311
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio58.8918%3,205
Assets per employee ($millions)6.6726%2,198
Cash dividends to net income (ytd only)*67.9194%724
Condition Ratios (%)
Loss allowance to loans0.9691%3,518
Loan loss allowance to noncurrent loans15,446.1538%116
Noncurrent assets plus other real estate owned to assets0.0444%3,364
Noncurrent loans to loans0.0063%3,821
Net loans and leases to total assets61.5000%2,495
Net loans and leases to deposits69.5115%2,622
Net loans and leases to core deposits72.8360%2,658
Total domestic deposits to total assets88.4800%1,894
Equity capital to assets7.6312%3,305
Core capital (leverage) ratio8.3337%4,245
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2061%2,282
Memoranda:
Average total assets$329,461,6002,302
Average earning assets$320,571,0002,233
Average equity$25,895,8002,537
Average total loans$185,660,2002,333
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2676%3,262
Cost of funding earning assets0.3510%1,693
Net interest margin2.9166%3,444
Noninterest income to average assets0.4200%2,617
Noninterest expense to average assets1.9523%3,623
Loan and lease loss provision to assets0.0200%2,326
Net operating income to assets1.2837%1,413
Return on assets (ROA)1.2837%1,382
Pretax return on assets1.2890%2,085
Return on Equity (ROE)16.2100%937
Retained earnings to average equity (ytd only)8.5213%1,814
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio59.8954%3,124
Assets per employee ($millions)6.9596%1,976
Cash dividends to net income (ytd only)*47.4383%1,299
Condition Ratios (%)
Loss allowance to loans1.0259%3,361
Loan loss allowance to noncurrent loans5,691.4286%236
Noncurrent assets plus other real estate owned to assets0.0509%3,374
Noncurrent loans to loans0.0180%3,794
Net loans and leases to total assets57.5300%2,756
Net loans and leases to deposits62.5537%2,980
Net loans and leases to core deposits66.1994%2,942
Total domestic deposits to total assets91.9700%883
Equity capital to assets7.6710%3,107
Core capital (leverage) ratio8.3919%4,148
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8677%2,103
Memoranda:
Average total assets$328,419,5002,322
Average earning assets$319,814,2502,254
Average equity$26,004,7502,573
Average total loans$180,277,2502,373
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1337%3,229
Cost of funding earning assets0.3249%1,482
Net interest margin2.8088%3,427
Noninterest income to average assets0.4379%2,519
Noninterest expense to average assets1.9538%3,566
Loan and lease loss provision to assets0.0184%2,275
Net operating income to assets1.1980%1,436
Return on assets (ROA)1.1980%1,417
Pretax return on assets1.2029%2,071
Return on Equity (ROE)14.9707%901
Retained earnings to average equity (ytd only)9.2304%1,218
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5355%3,102
Assets per employee ($millions)6.7303%2,148
Cash dividends to net income (ytd only)*38.3436%1,786
Condition Ratios (%)
Loss allowance to loans1.0952%3,183
Loan loss allowance to noncurrent loans3,468.4211%343
Noncurrent assets plus other real estate owned to assets0.0582%3,402
Noncurrent loans to loans0.0316%3,715
Net loans and leases to total assets54.1401%2,948
Net loans and leases to deposits58.9599%3,136
Net loans and leases to core deposits62.1140%3,106
Total domestic deposits to total assets91.8253%919
Equity capital to assets7.8066%3,260
Core capital (leverage) ratio8.3489%4,071
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2725%1,948
Memoranda:
Average total assets$326,538,6672,345
Average earning assets$318,217,0002,282
Average equity$26,131,0002,627
Average total loans$175,643,0002,414
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0387%3,141
Cost of funding earning assets0.3319%1,355
Net interest margin2.7068%3,386
Noninterest income to average assets0.4432%2,424
Noninterest expense to average assets1.9550%3,544
Loan and lease loss provision to assets0.0185%2,026
Net operating income to assets1.1067%1,512
Return on assets (ROA)1.1067%1,500
Pretax return on assets1.1104%2,106
Return on Equity (ROE)13.6605%898
Retained earnings to average equity (ytd only)13.6605%402
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3932%3,092
Assets per employee ($millions)7.1258%1,904
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1213%3,234
Loan loss allowance to noncurrent loans2,452.5000%470
Noncurrent assets plus other real estate owned to assets0.0656%3,404
Noncurrent loans to loans0.0457%3,650
Net loans and leases to total assets52.7840%2,908
Net loans and leases to deposits57.5758%3,114
Net loans and leases to core deposits60.8617%3,076
Total domestic deposits to total assets91.6773%709
Equity capital to assets7.9835%3,586
Core capital (leverage) ratio8.4120%3,949
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8136%1,866
Memoranda:
Average total assets$324,915,5002,370
Average earning assets$316,975,0002,302
Average equity$26,324,0002,693
Average total loans$173,203,0002,431
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9418%1,513
Cost of funding earning assets0.4089%1,475
Net interest margin3.5329%1,641
Noninterest income to average assets0.6448%1,962
Noninterest expense to average assets2.1717%3,172
Loan and lease loss provision to assets0.0197%2,678
Net operating income to assets1.8840%423
Return on assets (ROA)1.8840%450
Pretax return on assets1.8883%740
Return on Equity (ROE)22.4484%202
Retained earnings to average equity (ytd only)11.7010%581
Net charge-offs to loans-0.0024%3,397
Credit loss provision to net charge-offs-1,500.0000%3,999
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2320%4,008
Assets per employee ($millions)6.7092%2,147
Cash dividends to net income (ytd only)*47.8760%1,632
Condition Ratios (%)
Loss allowance to loans1.1358%3,194
Loan loss allowance to noncurrent loans1,908.8235%549
Noncurrent assets plus other real estate owned to assets0.0736%3,440
Noncurrent loans to loans0.0595%3,651
Net loans and leases to total assets52.6257%2,997
Net loans and leases to deposits57.5820%3,289
Net loans and leases to core deposits60.9172%3,250
Total domestic deposits to total assets91.3927%347
Equity capital to assets8.2222%4,220
Core capital (leverage) ratio8.2699%4,151
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5047%2,048
Memoranda:
Average total assets$304,878,2002,410
Average earning assets$296,411,4002,346
Average equity$25,587,6002,807
Average total loans$164,933,8002,511
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2291%1,066
Cost of funding earning assets0.4192%1,555
Net interest margin3.8099%1,094
Noninterest income to average assets0.6822%1,879
Noninterest expense to average assets2.1806%3,135
Loan and lease loss provision to assets0.0200%2,600
Net operating income to assets2.1779%339
Return on assets (ROA)2.1779%354
Pretax return on assets2.1828%566
Return on Equity (ROE)25.8095%155
Retained earnings to average equity (ytd only)16.6106%261
Net charge-offs to loans-0.0033%3,324
Credit loss provision to net charge-offs-1,125.0000%3,879
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7470%4,242
Assets per employee ($millions)6.3382%2,387
Cash dividends to net income (ytd only)*35.6415%1,810
Condition Ratios (%)
Loss allowance to loans1.2040%2,971
Loan loss allowance to noncurrent loans1,545.6000%567
Noncurrent assets plus other real estate owned to assets0.0837%3,538
Noncurrent loans to loans0.0779%3,703
Net loans and leases to total assets51.0458%3,296
Net loans and leases to deposits56.1043%3,570
Net loans and leases to core deposits59.5404%3,502
Total domestic deposits to total assets90.9837%377
Equity capital to assets8.6308%4,116
Core capital (leverage) ratio8.4500%4,077
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1435%1,581
Memoranda:
Average total assets$300,587,2502,456
Average earning assets$292,003,7502,397
Average equity$25,364,7502,854
Average total loans$163,311,2502,558
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0152%1,535
Cost of funding earning assets0.4251%1,696
Net interest margin3.5901%1,612
Noninterest income to average assets0.7112%1,763
Noninterest expense to average assets2.1591%3,213
Loan and lease loss provision to assets0.0202%2,559
Net operating income to assets2.0097%480
Return on assets (ROA)2.0097%506
Pretax return on assets2.0151%820
Return on Equity (ROE)24.0068%230
Retained earnings to average equity (ytd only)17.9789%225
Net charge-offs to loans-0.0049%3,428
Credit loss provision to net charge-offs-750.0000%3,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.4758%4,096
Assets per employee ($millions)6.2860%2,349
Cash dividends to net income (ytd only)*25.1088%2,292
Condition Ratios (%)
Loss allowance to loans1.1634%3,122
Loan loss allowance to noncurrent loans1,304.0816%602
Noncurrent assets plus other real estate owned to assets0.0916%3,593
Noncurrent loans to loans0.0892%3,735
Net loans and leases to total assets52.8721%3,268
Net loans and leases to deposits58.0382%3,541
Net loans and leases to core deposits61.1505%3,528
Total domestic deposits to total assets91.0988%344
Equity capital to assets8.4282%4,252
Core capital (leverage) ratio8.4631%4,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4351%1,490
Memoranda:
Average total assets$297,259,0002,465
Average earning assets$288,404,3332,409
Average equity$24,884,6672,889
Average total loans$164,259,6672,562
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5203%2,861
Cost of funding earning assets0.4384%1,811
Net interest margin3.0819%3,047
Noninterest income to average assets0.7181%1,815
Noninterest expense to average assets2.1269%3,337
Loan and lease loss provision to assets0.0206%2,515
Net operating income to assets1.5527%1,211
Return on assets (ROA)1.5527%1,277
Pretax return on assets1.5568%1,837
Return on Equity (ROE)18.6142%658
Retained earnings to average equity (ytd only)18.6142%334
Net charge-offs to loans-0.0098%3,656
Credit loss provision to net charge-offs-375.0000%3,099
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4177%3,379
Assets per employee ($millions)6.2410%2,377
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.1224%3,327
Loan loss allowance to noncurrent loans1,125.4438%602
Noncurrent assets plus other real estate owned to assets0.1015%3,676
Noncurrent loans to loans0.0997%3,804
Net loans and leases to total assets55.9325%3,047
Net loans and leases to deposits61.2307%3,390
Net loans and leases to core deposits64.2787%3,385
Total domestic deposits to total assets91.3472%284
Equity capital to assets8.2833%4,292
Core capital (leverage) ratio8.4114%4,213
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2447%1,491
Memoranda:
Average total assets$291,882,0002,473
Average earning assets$282,815,5002,426
Average equity$24,347,0002,907
Average total loans$164,004,5002,560
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0607%2,544
Cost of funding earning assets0.5913%2,377
Net interest margin3.4694%2,562
Noninterest income to average assets0.8403%1,414
Noninterest expense to average assets2.2515%3,541
Loan and lease loss provision to assets0.0222%4,119
Net operating income to assets1.9086%312
Return on assets (ROA)1.9086%336
Pretax return on assets1.9141%537
Return on Equity (ROE)22.5104%147
Retained earnings to average equity (ytd only)9.8714%613
Net charge-offs to loans-0.0006%3,911
Credit loss provision to net charge-offs-6,000.0000%4,356
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7633%4,237
Assets per employee ($millions)5.6839%2,645
Cash dividends to net income (ytd only)*56.1471%1,537
Condition Ratios (%)
Loss allowance to loans1.1876%3,015
Loan loss allowance to noncurrent loans759.2742%833
Noncurrent assets plus other real estate owned to assets0.1464%3,554
Noncurrent loans to loans0.1564%3,658
Net loans and leases to total assets55.1267%3,379
Net loans and leases to deposits60.4583%3,722
Net loans and leases to core deposits63.9336%3,695
Total domestic deposits to total assets91.1814%184
Equity capital to assets8.4027%4,515
Core capital (leverage) ratio8.0604%4,594
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2650%1,755
Memoranda:
Average total assets$270,616,8002,462
Average earning assets$261,114,2002,393
Average equity$22,945,0002,941
Average total loans$167,423,6002,507
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0559%2,805
Cost of funding earning assets0.6272%2,447
Net interest margin3.4287%2,819
Noninterest income to average assets0.7983%1,502
Noninterest expense to average assets2.2413%3,574
Loan and lease loss provision to assets0.0225%4,046
Net operating income to assets1.8351%420
Return on assets (ROA)1.8351%470
Pretax return on assets1.8406%724
Return on Equity (ROE)21.5923%187
Retained earnings to average equity (ytd only)13.0798%325
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.6073%4,086
Assets per employee ($millions)5.8950%2,354
Cash dividends to net income (ytd only)*39.4236%1,963
Condition Ratios (%)
Loss allowance to loans1.0517%3,454
Loan loss allowance to noncurrent loans522.9692%1,019
Noncurrent assets plus other real estate owned to assets0.1818%3,521
Noncurrent loans to loans0.2011%3,581
Net loans and leases to total assets60.8100%3,129
Net loans and leases to deposits67.5842%3,501
Net loans and leases to core deposits72.0334%3,467
Total domestic deposits to total assets89.9766%429
Equity capital to assets8.2699%4,589
Core capital (leverage) ratio8.2300%4,518
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0415%1,817
Memoranda:
Average total assets$267,222,0002,458
Average earning assets$257,658,5002,391
Average equity$22,711,2502,959
Average total loans$169,641,7502,491
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1859%2,808
Cost of funding earning assets0.6798%2,498
Net interest margin3.5060%2,766
Noninterest income to average assets0.7346%1,625
Noninterest expense to average assets2.3184%3,473
Loan and lease loss provision to assets0.0231%3,961
Net operating income to assets1.7715%533
Return on assets (ROA)1.7715%583
Pretax return on assets1.7768%849
Return on Equity (ROE)20.6371%217
Retained earnings to average equity (ytd only)14.1404%268
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2944%3,905
Assets per employee ($millions)5.5908%2,555
Cash dividends to net income (ytd only)*31.4807%2,300
Condition Ratios (%)
Loss allowance to loans1.0673%3,246
Loan loss allowance to noncurrent loans460.6965%1,071
Noncurrent assets plus other real estate owned to assets0.2039%3,516
Noncurrent loans to loans0.2317%3,546
Net loans and leases to total assets61.4087%3,176
Net loans and leases to deposits68.3472%3,534
Net loans and leases to core deposits72.8132%3,536
Total domestic deposits to total assets89.8480%444
Equity capital to assets8.3104%4,583
Core capital (leverage) ratio8.3665%4,506
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0824%1,777
Memoranda:
Average total assets$260,011,3332,477
Average earning assets$250,940,0002,413
Average equity$22,319,0002,977
Average total loans$167,016,0002,500
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3709%2,716
Cost of funding earning assets0.7752%2,519
Net interest margin3.5957%2,678
Noninterest income to average assets0.4683%2,709
Noninterest expense to average assets2.4328%3,467
Loan and lease loss provision to assets0.0240%3,500
Net operating income to assets1.4690%838
Return on assets (ROA)1.4690%916
Pretax return on assets1.4737%1,375
Return on Equity (ROE)16.8138%353
Retained earnings to average equity (ytd only)16.8138%120
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8951%3,509
Assets per employee ($millions)5.0325%2,614
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1438%2,971
Loan loss allowance to noncurrent loans401.0917%1,181
Noncurrent assets plus other real estate owned to assets0.2488%3,458
Noncurrent loans to loans0.2852%3,470
Net loans and leases to total assets63.0982%3,178
Net loans and leases to deposits69.5718%3,625
Net loans and leases to core deposits74.1433%3,623
Total domestic deposits to total assets90.6950%149
Equity capital to assets8.8989%4,657
Core capital (leverage) ratio8.7564%4,626
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2163%2,191
Memoranda:
Average total assets$250,246,0002,492
Average earning assets$240,956,0002,438
Average equity$21,863,0003,005
Average total loans$163,766,5002,499
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5299%2,844
Cost of funding earning assets0.8337%2,514
Net interest margin3.6961%2,826
Noninterest income to average assets0.5137%2,657
Noninterest expense to average assets2.3426%3,841
Loan and lease loss provision to assets0.0737%2,521
Net operating income to assets1.6376%760
Return on assets (ROA)1.6376%806
Pretax return on assets1.6438%1,352
Return on Equity (ROE)18.6686%293
Retained earnings to average equity (ytd only)2.2787%3,876
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6977%4,014
Assets per employee ($millions)4.9773%2,637
Cash dividends to net income (ytd only)*87.7939%574
Condition Ratios (%)
Loss allowance to loans1.0915%3,002
Loan loss allowance to noncurrent loans389.3162%1,211
Noncurrent assets plus other real estate owned to assets0.2556%3,411
Noncurrent loans to loans0.2804%3,440
Net loans and leases to total assets66.3420%2,913
Net loans and leases to deposits72.8692%3,449
Net loans and leases to core deposits76.9498%3,516
Total domestic deposits to total assets91.0425%118
Equity capital to assets8.5725%4,880
Core capital (leverage) ratio8.5861%4,794
Tier 1 risk-based capital ratio12.0564%4,333
Total risk-based capital ratio13.0971%4,322
Memoranda:
Average total assets$244,132,4002,499
Average earning assets$234,245,6002,444
Average equity$21,415,6003,011
Average total loans$167,321,6002,438
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5306%2,962
Cost of funding earning assets0.8474%2,482
Net interest margin3.6833%2,980
Noninterest income to average assets0.4873%2,811
Noninterest expense to average assets2.3379%3,855
Loan and lease loss provision to assets0.0741%2,408
Net operating income to assets1.6047%920
Return on assets (ROA)1.6047%960
Pretax return on assets1.6107%1,596
Return on Equity (ROE)18.1870%378
Retained earnings to average equity (ytd only)9.0126%1,041
Net charge-offs to loans-0.0008%3,989
Credit loss provision to net charge-offs-13,500.0000%4,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1173%3,919
Assets per employee ($millions)5.0977%2,448
Cash dividends to net income (ytd only)*50.4447%1,653
Condition Ratios (%)
Loss allowance to loans1.0540%3,263
Loan loss allowance to noncurrent loans377.4947%1,243
Noncurrent assets plus other real estate owned to assets0.2558%3,543
Noncurrent loans to loans0.2792%3,538
Net loans and leases to total assets66.8188%2,948
Net loans and leases to deposits73.7651%3,493
Net loans and leases to core deposits78.5248%3,507
Total domestic deposits to total assets90.5833%154
Equity capital to assets8.9343%4,811
Core capital (leverage) ratio8.8986%4,712
Tier 1 risk-based capital ratio12.4670%4,165
Total risk-based capital ratio13.4713%4,182
Memoranda:
Average total assets$242,949,2502,527
Average earning assets$233,191,2502,471
Average equity$21,436,0003,028
Average total loans$167,421,0002,459
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5290%2,919
Cost of funding earning assets0.8331%2,490
Net interest margin3.6960%2,942
Noninterest income to average assets0.3839%3,376
Noninterest expense to average assets2.4149%3,704
Loan and lease loss provision to assets0.0748%2,319
Net operating income to assets1.4343%1,335
Return on assets (ROA)1.4343%1,384
Pretax return on assets1.4410%2,060
Return on Equity (ROE)16.3274%542
Retained earnings to average equity (ytd only)9.4692%916
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4376%3,516
Assets per employee ($millions)4.7375%2,822
Cash dividends to net income (ytd only)*42.0046%2,122
Condition Ratios (%)
Loss allowance to loans1.0480%3,344
Loan loss allowance to noncurrent loans331.8008%1,429
Noncurrent assets plus other real estate owned to assets0.2856%3,414
Noncurrent loans to loans0.3159%3,406
Net loans and leases to total assets67.6840%2,862
Net loans and leases to deposits74.7261%3,454
Net loans and leases to core deposits79.5060%3,462
Total domestic deposits to total assets90.5762%182
Equity capital to assets8.9822%4,806
Core capital (leverage) ratio9.0026%4,624
Tier 1 risk-based capital ratio12.4435%4,159
Total risk-based capital ratio13.4394%4,184
Memoranda:
Average total assets$240,669,3302,548
Average earning assets$230,955,3302,495
Average equity$21,142,3303,049
Average total loans$167,000,0002,472
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5366%2,741
Cost of funding earning assets0.8193%2,427
Net interest margin3.7173%2,826
Noninterest income to average assets0.3797%3,326
Noninterest expense to average assets2.4380%3,663
Loan and lease loss provision to assets0.0749%2,181
Net operating income to assets1.4205%1,320
Return on assets (ROA)1.4205%1,349
Pretax return on assets1.4255%1,999
Return on Equity (ROE)16.3547%549
Retained earnings to average equity (ytd only)16.3547%210
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.9027%3,549
Assets per employee ($millions)4.6255%3,009
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0096%3,630
Loan loss allowance to noncurrent loans300.1779%1,559
Noncurrent assets plus other real estate owned to assets0.2337%3,687
Noncurrent loans to loans0.3363%3,370
Net loans and leases to total assets68.7704%2,652
Net loans and leases to deposits75.8497%3,271
Net loans and leases to core deposits81.2063%3,251
Total domestic deposits to total assets90.6667%240
Equity capital to assets8.9001%4,749
Core capital (leverage) ratio8.9083%4,713
Tier 1 risk-based capital ratio12.2238%4,338
Total risk-based capital ratio13.1841%4,393
Memoranda:
Average total assets$240,198,5002,583
Average earning assets$229,953,5002,522
Average equity$20,862,5003,080
Average total loans$167,868,0002,493
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4820%2,513
Cost of funding earning assets0.7031%2,073
Net interest margin3.7789%2,747
Noninterest income to average assets0.4445%3,139
Noninterest expense to average assets2.3926%3,901
Loan and lease loss provision to assets0.0762%2,603
Net operating income to assets1.5904%892
Return on assets (ROA)1.5904%880
Pretax return on assets1.5955%1,483
Return on Equity (ROE)18.4844%346
Retained earnings to average equity (ytd only)4.2164%3,233
Net charge-offs to loans0.0024%3,655
Credit loss provision to net charge-offs4,500.0000%111
Earnings coverage of net charge-offs (x)987.2500%109
Efficiency ratio58.8689%4,027
Assets per employee ($millions)4.7034%2,873
Cash dividends to net income (ytd only)*77.1892%795
Condition Ratios (%)
Loss allowance to loans0.9737%3,845
Loan loss allowance to noncurrent loans268.7398%1,783
Noncurrent assets plus other real estate owned to assets0.2547%3,567
Noncurrent loans to loans0.3623%3,239
Net loans and leases to total assets69.6192%2,626
Net loans and leases to deposits77.2244%3,254
Net loans and leases to core deposits82.8539%3,192
Total domestic deposits to total assets90.1518%426
Equity capital to assets8.4704%4,947
Core capital (leverage) ratio8.6501%4,917
Tier 1 risk-based capital ratio11.5433%4,703
Total risk-based capital ratio12.4625%4,774
Memoranda:
Average total assets$236,232,4002,568
Average earning assets$226,280,8002,512
Average equity$20,325,2003,062
Average total loans$165,937,8002,474
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4347%2,517
Cost of funding earning assets0.6828%1,958
Net interest margin3.7518%2,820
Noninterest income to average assets0.4510%3,165
Noninterest expense to average assets2.3842%3,890
Loan and lease loss provision to assets0.0765%2,430
Net operating income to assets1.5864%988
Return on assets (ROA)1.5864%993
Pretax return on assets1.5921%1,610
Return on Equity (ROE)18.3659%391
Retained earnings to average equity (ytd only)8.8550%1,280
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8285%3,987
Assets per employee ($millions)4.5570%3,032
Cash dividends to net income (ytd only)*51.7858%1,523
Condition Ratios (%)
Loss allowance to loans0.9665%3,963
Loan loss allowance to noncurrent loans263.7562%1,799
Noncurrent assets plus other real estate owned to assets0.2562%3,667
Noncurrent loans to loans0.3664%3,334
Net loans and leases to total assets69.2318%2,771
Net loans and leases to deposits76.1854%3,401
Net loans and leases to core deposits83.0056%3,249
Total domestic deposits to total assets90.8728%250
Equity capital to assets8.7482%4,764
Core capital (leverage) ratio8.8590%4,841
Tier 1 risk-based capital ratio12.0413%4,482
Total risk-based capital ratio12.9543%4,552
Memoranda:
Average total assets$235,322,5002,584
Average earning assets$225,912,0002,530
Average equity$20,327,0003,089
Average total loans$165,262,5002,495
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3930%2,444
Cost of funding earning assets0.6633%1,851
Net interest margin3.7298%2,826
Noninterest income to average assets0.4362%3,246
Noninterest expense to average assets2.3946%3,912
Loan and lease loss provision to assets0.0767%2,368
Net operating income to assets1.5325%1,071
Return on assets (ROA)1.5325%1,074
Pretax return on assets1.5385%1,685
Return on Equity (ROE)17.8183%433
Retained earnings to average equity (ytd only)10.6375%753
Net charge-offs to loans-0.0012%3,904
Credit loss provision to net charge-offs-9,000.0000%4,802
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7196%3,971
Assets per employee ($millions)4.6390%2,904
Cash dividends to net income (ytd only)*40.3002%2,112
Condition Ratios (%)
Loss allowance to loans0.9285%4,212
Loan loss allowance to noncurrent loans233.4333%2,009
Noncurrent assets plus other real estate owned to assets0.2819%3,645
Noncurrent loans to loans0.3978%3,261
Net loans and leases to total assets70.2170%2,547
Net loans and leases to deposits80.0392%2,945
Net loans and leases to core deposits86.5538%2,871
Total domestic deposits to total assets87.7282%1,518
Equity capital to assets8.6783%4,818
Core capital (leverage) ratio8.8226%4,867
Tier 1 risk-based capital ratio11.7839%4,629
Total risk-based capital ratio12.6644%4,736
Memoranda:
Average total assets$234,776,0002,602
Average earning assets$224,946,3302,555
Average equity$20,192,6703,112
Average total loans$165,132,0002,504
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3321%2,409
Cost of funding earning assets0.6321%1,826
Net interest margin3.7000%2,798
Noninterest income to average assets0.4054%3,421
Noninterest expense to average assets2.4185%3,897
Loan and lease loss provision to assets0.0770%2,229
Net operating income to assets1.4470%1,203
Return on assets (ROA)1.4470%1,210
Pretax return on assets1.4538%1,824
Return on Equity (ROE)16.9006%521
Retained earnings to average equity (ytd only)16.9006%196
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2386%3,910
Assets per employee ($millions)4.7256%2,819
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9112%4,398
Loan loss allowance to noncurrent loans228.5930%2,028
Noncurrent assets plus other real estate owned to assets0.2798%3,741
Noncurrent loans to loans0.3986%3,355
Net loans and leases to total assets69.5398%2,555
Net loans and leases to deposits79.3971%2,878
Net loans and leases to core deposits91.0285%2,372
Total domestic deposits to total assets87.5848%1,855
Equity capital to assets8.6215%4,883
Core capital (leverage) ratio8.8687%4,829
Tier 1 risk-based capital ratio11.5296%4,844
Total risk-based capital ratio12.3749%4,971
Memoranda:
Average total assets$233,868,5002,630
Average earning assets$224,000,0002,579
Average equity$20,023,0003,156
Average total loans$163,856,0002,534
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3135%2,280
Cost of funding earning assets0.5911%1,665
Net interest margin3.7225%2,706
Noninterest income to average assets0.4879%3,076
Noninterest expense to average assets2.4227%4,013
Loan and lease loss provision to assets0.0747%2,709
Net operating income to assets1.5387%742
Return on assets (ROA)1.5387%754
Pretax return on assets1.5444%1,472
Return on Equity (ROE)17.7744%327
Retained earnings to average equity (ytd only)3.8755%2,883
Net charge-offs to loans0.1246%1,804
Credit loss provision to net charge-offs86.7347%2,843
Earnings coverage of net charge-offs (x)18.8112%2,059
Efficiency ratio59.9413%4,275
Assets per employee ($millions)4.5383%3,133
Cash dividends to net income (ytd only)*78.1963%902
Condition Ratios (%)
Loss allowance to loans0.9055%4,451
Loan loss allowance to noncurrent loans214.6413%2,172
Noncurrent assets plus other real estate owned to assets0.2951%3,703
Noncurrent loans to loans0.4219%3,267
Net loans and leases to total assets69.3115%2,631
Net loans and leases to deposits78.6493%3,047
Net loans and leases to core deposits88.7871%2,663
Total domestic deposits to total assets88.1273%1,420
Equity capital to assets8.5006%5,124
Core capital (leverage) ratio8.6277%5,018
Tier 1 risk-based capital ratio11.1556%5,060
Total risk-based capital ratio11.9830%5,177
Memoranda:
Average total assets$227,725,0002,653
Average earning assets$217,408,6002,605
Average equity$19,713,8003,175
Average total loans$157,300,8002,576
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2760%2,334
Cost of funding earning assets0.5835%1,655
Net interest margin3.6925%2,785
Noninterest income to average assets0.4985%3,033
Noninterest expense to average assets2.4180%3,972
Loan and lease loss provision to assets0.0735%2,601
Net operating income to assets1.5279%843
Return on assets (ROA)1.5279%866
Pretax return on assets1.5338%1,652
Return on Equity (ROE)17.5691%370
Retained earnings to average equity (ytd only)8.3080%1,092
Net charge-offs to loans0.1674%1,239
Credit loss provision to net charge-offs63.7755%2,762
Earnings coverage of net charge-offs (x)13.9488%2,325
Efficiency ratio60.0701%4,200
Assets per employee ($millions)4.3870%3,331
Cash dividends to net income (ytd only)*52.7125%1,637
Condition Ratios (%)
Loss allowance to loans0.9011%4,565
Loan loss allowance to noncurrent loans180.7888%2,407
Noncurrent assets plus other real estate owned to assets0.3445%3,663
Noncurrent loans to loans0.4984%3,204
Net loans and leases to total assets68.5045%2,774
Net loans and leases to deposits76.2047%3,351
Net loans and leases to core deposits86.5043%2,924
Total domestic deposits to total assets89.8955%505
Equity capital to assets8.8640%5,020
Core capital (leverage) ratio8.8721%4,903
Tier 1 risk-based capital ratio11.7566%4,802
Total risk-based capital ratio12.5825%4,941
Memoranda:
Average total assets$226,792,5002,687
Average earning assets$216,614,5002,628
Average equity$19,723,5003,195
Average total loans$156,153,2502,607
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2389%2,327
Cost of funding earning assets0.5781%1,589
Net interest margin3.6608%2,792
Noninterest income to average assets0.4736%3,191
Noninterest expense to average assets2.4440%3,932
Loan and lease loss provision to assets0.0530%2,918
Net operating income to assets1.4694%919
Return on assets (ROA)1.4694%938
Pretax return on assets1.4738%1,744
Return on Equity (ROE)17.0061%408
Retained earnings to average equity (ytd only)10.0012%585
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5487%4,075
Assets per employee ($millions)4.6363%2,880
Cash dividends to net income (ytd only)*41.1906%2,273
Condition Ratios (%)
Loss allowance to loans0.9895%4,216
Loan loss allowance to noncurrent loans153.6634%2,730
Noncurrent assets plus other real estate owned to assets0.4573%3,281
Noncurrent loans to loans0.6440%2,801
Net loans and leases to total assets68.3552%2,756
Net loans and leases to deposits76.0193%3,342
Net loans and leases to core deposits86.5854%2,826
Total domestic deposits to total assets89.9182%564
Equity capital to assets8.7903%5,075
Core capital (leverage) ratio8.8631%4,885
Tier 1 risk-based capital ratio11.7931%4,764
Total risk-based capital ratio12.7093%4,876
Memoranda:
Average total assets$226,348,3302,712
Average earning assets$216,237,6702,646
Average equity$19,557,6703,204
Average total loans$155,638,6702,624
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2043%2,268
Cost of funding earning assets0.5778%1,526
Net interest margin3.6265%2,794
Noninterest income to average assets0.4692%3,196
Noninterest expense to average assets2.4521%3,958
Loan and lease loss provision to assets0.0531%2,744
Net operating income to assets1.4164%969
Return on assets (ROA)1.4164%998
Pretax return on assets1.4199%1,818
Return on Equity (ROE)16.5362%461
Retained earnings to average equity (ytd only)16.5362%180
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4718%4,078
Assets per employee ($millions)4.6441%2,931
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9837%4,376
Loan loss allowance to noncurrent loans140.0184%2,951
Noncurrent assets plus other real estate owned to assets0.5141%3,170
Noncurrent loans to loans0.7025%2,734
Net loans and leases to total assets67.3247%2,771
Net loans and leases to deposits74.7671%3,327
Net loans and leases to core deposits87.7534%2,572
Total domestic deposits to total assets90.0458%636
Equity capital to assets8.6833%5,085
Core capital (leverage) ratio8.8649%4,888
Tier 1 risk-based capital ratio11.7826%4,864
Total risk-based capital ratio12.6883%4,968
Memoranda:
Average total assets$225,932,0002,740
Average earning assets$215,304,0002,680
Average equity$19,351,5003,248
Average total loans$155,037,0002,637
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3730%1,906
Cost of funding earning assets0.5878%1,431
Net interest margin3.7852%2,370
Noninterest income to average assets0.4866%3,317
Noninterest expense to average assets2.4489%4,168
Loan and lease loss provision to assets0.0472%3,447
Net operating income to assets1.5944%687
Return on assets (ROA)1.5944%712
Pretax return on assets1.6020%1,270
Return on Equity (ROE)18.2956%309
Retained earnings to average equity (ytd only)2.0128%4,396
Net charge-offs to loans0.2018%1,376
Credit loss provision to net charge-offs33.8710%3,552
Earnings coverage of net charge-offs (x)11.8290%2,508
Efficiency ratio59.7564%4,623
Assets per employee ($millions)4.5776%3,003
Cash dividends to net income (ytd only)*88.9986%615
Condition Ratios (%)
Loss allowance to loans0.9604%4,523
Loan loss allowance to noncurrent loans124.7492%3,189
Noncurrent assets plus other real estate owned to assets0.5702%3,026
Noncurrent loans to loans0.7699%2,605
Net loans and leases to total assets68.5927%2,687
Net loans and leases to deposits79.1349%2,981
Net loans and leases to core deposits91.0891%2,393
Total domestic deposits to total assets86.6782%2,297
Equity capital to assets8.4453%5,311
Core capital (leverage) ratio8.5635%5,199
Tier 1 risk-based capital ratio11.3439%5,146
Total risk-based capital ratio12.2347%5,246
Memoranda:
Average total assets$222,344,6002,737
Average earning assets$212,143,6002,681
Average equity$19,376,2003,229
Average total loans$153,654,6002,596
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3884%1,895
Cost of funding earning assets0.5889%1,422
Net interest margin3.7996%2,332
Noninterest income to average assets0.4952%3,286
Noninterest expense to average assets2.4310%4,192
Loan and lease loss provision to assets0.0451%3,339
Net operating income to assets1.6359%677
Return on assets (ROA)1.6359%715
Pretax return on assets1.6449%1,264
Return on Equity (ROE)18.6263%322
Retained earnings to average equity (ytd only)9.2516%746
Net charge-offs to loans0.1401%1,591
Credit loss provision to net charge-offs46.5839%3,079
Earnings coverage of net charge-offs (x)17.4659%2,048
Efficiency ratio58.9908%4,687
Assets per employee ($millions)4.5328%3,034
Cash dividends to net income (ytd only)*50.3306%1,865
Condition Ratios (%)
Loss allowance to loans1.0400%4,180
Loan loss allowance to noncurrent loans104.8828%3,514
Noncurrent assets plus other real estate owned to assets0.7474%2,692
Noncurrent loans to loans0.9916%2,261
Net loans and leases to total assets69.0181%2,640
Net loans and leases to deposits77.4525%3,248
Net loans and leases to core deposits89.3884%2,634
Total domestic deposits to total assets89.1102%847
Equity capital to assets9.0119%5,166
Core capital (leverage) ratio9.0625%4,764
Tier 1 risk-based capital ratio12.0383%4,767
Total risk-based capital ratio13.0098%4,841
Memoranda:
Average total assets$221,855,5002,747
Average earning assets$211,702,7502,688
Average equity$19,484,5003,237
Average total loans$153,231,7502,604
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4150%1,788
Cost of funding earning assets0.5935%1,368
Net interest margin3.8214%2,235
Noninterest income to average assets0.4662%3,426
Noninterest expense to average assets2.4476%4,194
Loan and lease loss provision to assets0.0406%3,346
Net operating income to assets1.6098%706
Return on assets (ROA)1.6098%755
Pretax return on assets1.6188%1,311
Return on Equity (ROE)18.4904%330
Retained earnings to average equity (ytd only)11.3946%391
Net charge-offs to loans0.2109%1,112
Credit loss provision to net charge-offs27.9503%2,875
Earnings coverage of net charge-offs (x)11.4286%2,259
Efficiency ratio59.5960%4,696
Assets per employee ($millions)4.5031%3,024
Cash dividends to net income (ytd only)*38.3754%2,496
Condition Ratios (%)
Loss allowance to loans1.0368%4,308
Loan loss allowance to noncurrent loans99.8106%3,709
Noncurrent assets plus other real estate owned to assets0.7741%2,665
Noncurrent loans to loans1.0388%2,204
Net loans and leases to total assets68.3917%2,727
Net loans and leases to deposits77.5668%3,204
Net loans and leases to core deposits89.3152%2,601
Total domestic deposits to total assets88.1714%1,341
Equity capital to assets8.9644%5,263
Core capital (leverage) ratio8.8294%5,022
Tier 1 risk-based capital ratio11.9668%4,845
Total risk-based capital ratio12.9268%4,945
Memoranda:
Average total assets$221,771,6702,759
Average earning assets$211,282,0002,703
Average equity$19,307,3303,265
Average total loans$152,674,0002,617
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3261%2,043
Cost of funding earning assets0.5913%1,393
Net interest margin3.7348%2,540
Noninterest income to average assets0.4318%3,602
Noninterest expense to average assets2.4576%4,202
Loan and lease loss provision to assets0.0270%3,310
Net operating income to assets1.4951%863
Return on assets (ROA)1.4951%905
Pretax return on assets1.5041%1,570
Return on Equity (ROE)17.4296%399
Retained earnings to average equity (ytd only)17.4296%140
Net charge-offs to loans0.4216%532
Credit loss provision to net charge-offs9.3168%2,364
Earnings coverage of net charge-offs (x)5.2857%2,338
Efficiency ratio61.6148%4,504
Assets per employee ($millions)4.4250%3,211
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9916%4,657
Loan loss allowance to noncurrent loans96.9375%3,687
Noncurrent assets plus other real estate owned to assets0.7639%2,790
Noncurrent loans to loans1.0229%2,338
Net loans and leases to total assets68.6227%2,557
Net loans and leases to deposits76.1769%3,200
Net loans and leases to core deposits87.3955%2,624
Total domestic deposits to total assets90.0834%567
Equity capital to assets8.6448%5,463
Core capital (leverage) ratio8.7314%5,144
Tier 1 risk-based capital ratio11.4295%5,266
Total risk-based capital ratio12.3414%5,366
Memoranda:
Average total assets$222,332,0002,761
Average earning assets$211,739,0002,700
Average equity$19,071,0003,294
Average total loans$152,767,0002,611
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4083%1,873
Cost of funding earning assets0.6081%1,323
Net interest margin3.8002%2,376
Noninterest income to average assets0.4701%3,530
Noninterest expense to average assets2.4089%4,490
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.6826%596
Return on assets (ROA)1.6826%613
Pretax return on assets1.6922%1,014
Return on Equity (ROE)19.3493%282
Retained earnings to average equity (ytd only)2.0656%4,553
Net charge-offs to loans-0.0130%5,167
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.7374%5,059
Assets per employee ($millions)4.2114%3,547
Cash dividends to net income (ytd only)*89.3246%628
Condition Ratios (%)
Loss allowance to loans1.1380%3,814
Loan loss allowance to noncurrent loans223.5837%2,080
Noncurrent assets plus other real estate owned to assets0.4032%3,985
Noncurrent loans to loans0.5090%3,660
Net loans and leases to total assets67.3192%2,820
Net loans and leases to deposits74.6347%3,415
Net loans and leases to core deposits86.2224%2,778
Total domestic deposits to total assets90.1982%543
Equity capital to assets8.5086%5,557
Core capital (leverage) ratio8.4796%5,455
Tier 1 risk-based capital ratio11.4927%5,261
Total risk-based capital ratio12.5408%5,276
Memoranda:
Average total assets$218,230,6002,761
Average earning assets$208,516,2002,686
Average equity$18,977,4003,266
Average total loans$146,005,0002,655
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3927%1,941
Cost of funding earning assets0.6115%1,335
Net interest margin3.7812%2,458
Noninterest income to average assets0.4990%3,372
Noninterest expense to average assets2.3805%4,567
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7232%596
Return on assets (ROA)1.7232%620
Pretax return on assets1.7330%1,023
Return on Equity (ROE)19.7091%289
Retained earnings to average equity (ytd only)8.2389%1,145
Net charge-offs to loans0.0055%3,979
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)472.3213%154
Efficiency ratio57.8713%5,134
Assets per employee ($millions)4.2981%3,322
Cash dividends to net income (ytd only)*58.1972%1,502
Condition Ratios (%)
Loss allowance to loans1.1082%4,181
Loan loss allowance to noncurrent loans206.1652%2,198
Noncurrent assets plus other real estate owned to assets0.4457%4,008
Noncurrent loans to loans0.5375%3,730
Net loans and leases to total assets68.0646%2,667
Net loans and leases to deposits76.9698%3,200
Net loans and leases to core deposits88.3456%2,630
Total domestic deposits to total assets88.4303%1,319
Equity capital to assets8.8808%5,415
Core capital (leverage) ratio8.8584%5,171
Tier 1 risk-based capital ratio11.9370%5,115
Total risk-based capital ratio12.9661%5,177
Memoranda:
Average total assets$218,040,5002,785
Average earning assets$208,431,5002,717
Average equity$19,063,5003,292
Average total loans$145,226,2502,676
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3571%1,988
Cost of funding earning assets0.6124%1,326
Net interest margin3.7447%2,529
Noninterest income to average assets0.5118%3,291
Noninterest expense to average assets2.3965%4,558
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.6852%638
Return on assets (ROA)1.6852%669
Pretax return on assets1.6944%1,094
Return on Equity (ROE)19.3777%301
Retained earnings to average equity (ytd only)10.7137%546
Net charge-offs to loans0.0084%3,608
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)307.3333%224
Efficiency ratio58.5804%5,157
Assets per employee ($millions)4.3440%3,224
Cash dividends to net income (ytd only)*44.7110%2,183
Condition Ratios (%)
Loss allowance to loans1.1399%4,133
Loan loss allowance to noncurrent loans209.2616%2,170
Noncurrent assets plus other real estate owned to assets0.4356%4,181
Noncurrent loans to loans0.5447%3,819
Net loans and leases to total assets65.4549%3,058
Net loans and leases to deposits73.4537%3,559
Net loans and leases to core deposits84.2587%2,956
Total domestic deposits to total assets89.1104%1,090
Equity capital to assets8.6941%5,529
Core capital (leverage) ratio8.8251%5,195
Tier 1 risk-based capital ratio12.0733%5,092
Total risk-based capital ratio13.1230%5,131
Memoranda:
Average total assets$217,653,3302,808
Average earning assets$208,029,3302,733
Average equity$18,929,0003,324
Average total loans$143,344,6702,710
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3551%1,925
Cost of funding earning assets0.6188%1,312
Net interest margin3.7363%2,487
Noninterest income to average assets0.5378%3,035
Noninterest expense to average assets2.4311%4,507
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.6689%633
Return on assets (ROA)1.6689%664
Pretax return on assets1.6782%1,095
Return on Equity (ROE)19.1867%312
Retained earnings to average equity (ytd only)19.1867%112
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1606%5,202
Assets per employee ($millions)4.2163%3,537
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1824%4,070
Loan loss allowance to noncurrent loans199.2874%2,228
Noncurrent assets plus other real estate owned to assets0.4598%4,190
Noncurrent loans to loans0.5933%3,799
Net loans and leases to total assets63.9642%3,093
Net loans and leases to deposits71.8397%3,546
Net loans and leases to core deposits82.6637%2,897
Total domestic deposits to total assets89.0374%1,238
Equity capital to assets8.7691%5,531
Core capital (leverage) ratio8.9230%5,047
Tier 1 risk-based capital ratio12.2660%5,068
Total risk-based capital ratio13.3426%5,084
Memoranda:
Average total assets$215,709,0002,846
Average earning assets$206,194,0002,770
Average equity$18,763,0003,359
Average total loans$141,676,0002,738
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4679%1,999
Cost of funding earning assets0.6604%1,336
Net interest margin3.8075%2,602
Noninterest income to average assets0.4212%4,027
Noninterest expense to average assets2.4618%4,667
Loan and lease loss provision to assets0.0212%4,188
Net operating income to assets1.5530%790
Return on assets (ROA)1.5544%819
Pretax return on assets1.5633%1,343
Return on Equity (ROE)17.7740%420
Retained earnings to average equity (ytd only)2.0419%4,759
Net charge-offs to loans0.0590%3,660
Credit loss provision to net charge-offs54.8780%3,381
Earnings coverage of net charge-offs (x)40.9756%1,064
Efficiency ratio60.8620%5,097
Assets per employee ($millions)4.0032%3,946
Cash dividends to net income (ytd only)*88.5117%620
Condition Ratios (%)
Loss allowance to loans1.1864%4,088
Loan loss allowance to noncurrent loans194.2130%2,292
Noncurrent assets plus other real estate owned to assets0.4855%4,187
Noncurrent loans to loans0.6109%3,849
Net loans and leases to total assets65.8697%2,904
Net loans and leases to deposits73.9502%3,444
Net loans and leases to core deposits85.4752%2,737
Total domestic deposits to total assets89.0730%1,199
Equity capital to assets8.6251%5,629
Core capital (leverage) ratio8.5860%5,462
Tier 1 risk-based capital ratio11.5024%5,660
Total risk-based capital ratio12.5619%5,685
Memoranda:
Average total assets$212,242,2002,857
Average earning assets$201,995,0002,788
Average equity$18,560,8003,340
Average total loans$139,070,6002,723
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4861%1,927
Cost of funding earning assets0.6615%1,379
Net interest margin3.8246%2,527
Noninterest income to average assets0.4146%4,140
Noninterest expense to average assets2.4253%4,743
Loan and lease loss provision to assets0.0283%3,842
Net operating income to assets1.5873%774
Return on assets (ROA)1.5892%803
Pretax return on assets1.5980%1,329
Return on Equity (ROE)18.1104%429
Retained earnings to average equity (ytd only)7.6593%1,508
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8883%5,192
Assets per employee ($millions)4.0304%3,812
Cash dividends to net income (ytd only)*57.7076%1,486
Condition Ratios (%)
Loss allowance to loans1.3086%3,603
Loan loss allowance to noncurrent loans180.1433%2,346
Noncurrent assets plus other real estate owned to assets0.5332%4,270
Noncurrent loans to loans0.7264%3,784
Net loans and leases to total assets62.1367%3,464
Net loans and leases to deposits70.2602%3,892
Net loans and leases to core deposits79.7366%3,344
Total domestic deposits to total assets88.4380%1,538
Equity capital to assets8.8904%5,472
Core capital (leverage) ratio8.9231%5,167
Tier 1 risk-based capital ratio12.4137%5,218
Total risk-based capital ratio13.5693%5,212
Memoranda:
Average total assets$212,259,7502,883
Average earning assets$201,743,2502,808
Average equity$18,626,0003,347
Average total loans$138,479,5002,753
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5165%1,782
Cost of funding earning assets0.6657%1,405
Net interest margin3.8508%2,375
Noninterest income to average assets0.3994%4,251
Noninterest expense to average assets2.4428%4,763
Loan and lease loss provision to assets0.0283%3,710
Net operating income to assets1.5788%741
Return on assets (ROA)1.5816%773
Pretax return on assets1.5911%1,274
Return on Equity (ROE)18.1039%450
Retained earnings to average equity (ytd only)10.2138%676
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1768%5,269
Assets per employee ($millions)4.0473%3,741
Cash dividends to net income (ytd only)*43.5821%2,230
Condition Ratios (%)
Loss allowance to loans1.2505%4,156
Loan loss allowance to noncurrent loans168.1118%2,474
Noncurrent assets plus other real estate owned to assets0.5702%4,279
Noncurrent loans to loans0.7439%3,839
Net loans and leases to total assets65.4734%2,837
Net loans and leases to deposits75.6261%3,108
Net loans and leases to core deposits85.9635%2,518
Total domestic deposits to total assets86.5752%2,718
Equity capital to assets8.9760%5,320
Core capital (leverage) ratio8.9157%5,141
Tier 1 risk-based capital ratio12.0471%5,517
Total risk-based capital ratio13.1663%5,509
Memoranda:
Average total assets$211,808,6702,896
Average earning assets$201,306,6702,823
Average equity$18,504,3303,364
Average total loans$139,808,6702,733
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5131%1,775
Cost of funding earning assets0.6637%1,488
Net interest margin3.8494%2,272
Noninterest income to average assets0.3859%4,302
Noninterest expense to average assets2.4303%4,843
Loan and lease loss provision to assets0.0282%3,459
Net operating income to assets1.5757%691
Return on assets (ROA)1.5757%721
Pretax return on assets1.5851%1,205
Return on Equity (ROE)18.2841%419
Retained earnings to average equity (ytd only)18.2841%171
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1024%5,393
Assets per employee ($millions)4.1555%3,616
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2456%4,406
Loan loss allowance to noncurrent loans169.7743%2,399
Noncurrent assets plus other real estate owned to assets0.5573%4,485
Noncurrent loans to loans0.7337%4,031
Net loans and leases to total assets64.7192%2,773
Net loans and leases to deposits73.5774%3,121
Net loans and leases to core deposits83.1117%2,632
Total domestic deposits to total assets87.9607%2,251
Equity capital to assets8.8482%5,275
Core capital (leverage) ratio8.7627%5,308
Tier 1 risk-based capital ratio11.9907%5,653
Total risk-based capital ratio13.1015%5,662
Memoranda:
Average total assets$212,482,5002,893
Average earning assets$201,903,0002,833
Average equity$18,311,0003,385
Average total loans$139,942,5002,740
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5536%2,021
Cost of funding earning assets0.7306%1,619
Net interest margin3.8230%2,562
Noninterest income to average assets0.4895%3,822
Noninterest expense to average assets2.3320%5,281
Loan and lease loss provision to assets0.0290%4,535
Net operating income to assets1.7619%518
Return on assets (ROA)1.7619%536
Pretax return on assets1.7706%809
Return on Equity (ROE)20.2616%269
Retained earnings to average equity (ytd only)4.2577%3,146
Net charge-offs to loans0.0225%4,981
Credit loss provision to net charge-offs200.0000%1,140
Earnings coverage of net charge-offs (x)124.2667%378
Efficiency ratio56.4435%5,901
Assets per employee ($millions)4.0968%3,662
Cash dividends to net income (ytd only)*78.9863%959
Condition Ratios (%)
Loss allowance to loans1.2164%4,566
Loan loss allowance to noncurrent loans168.3023%2,414
Noncurrent assets plus other real estate owned to assets0.5544%4,566
Noncurrent loans to loans0.7227%4,161
Net loans and leases to total assets65.3792%2,797
Net loans and leases to deposits75.7508%2,990
Net loans and leases to core deposits85.5444%2,501
Total domestic deposits to total assets86.3083%3,109
Equity capital to assets8.3883%5,707
Core capital (leverage) ratio8.6058%5,532
Tier 1 risk-based capital ratio11.3013%6,023
Total risk-based capital ratio12.3879%6,056
Memoranda:
Average total assets$207,158,2002,947
Average earning assets$197,358,8002,859
Average equity$18,014,4003,415
Average total loans$133,520,6002,797
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5598%2,008
Cost of funding earning assets0.7463%1,626
Net interest margin3.8135%2,595
Noninterest income to average assets0.5367%3,545
Noninterest expense to average assets2.3277%5,248
Loan and lease loss provision to assets0.0292%4,423
Net operating income to assets1.8079%517
Return on assets (ROA)1.8079%537
Pretax return on assets1.8169%865
Return on Equity (ROE)20.6009%267
Retained earnings to average equity (ytd only)9.0116%1,050
Net charge-offs to loans0.0111%4,919
Credit loss provision to net charge-offs409.0909%652
Earnings coverage of net charge-offs (x)258.8439%226
Efficiency ratio55.7695%5,932
Assets per employee ($millions)3.8924%4,048
Cash dividends to net income (ytd only)*56.2568%1,606
Condition Ratios (%)
Loss allowance to loans1.3081%4,342
Loan loss allowance to noncurrent loans158.7258%2,426
Noncurrent assets plus other real estate owned to assets0.6180%4,585
Noncurrent loans to loans0.8241%4,186
Net loans and leases to total assets62.8670%3,190
Net loans and leases to deposits70.0447%3,783
Net loans and leases to core deposits79.4898%3,180
Total domestic deposits to total assets89.7527%1,134
Equity capital to assets8.9123%5,289
Core capital (leverage) ratio8.8931%5,269
Tier 1 risk-based capital ratio12.4167%5,508
Total risk-based capital ratio13.5836%5,490
Memoranda:
Average total assets$205,689,2502,980
Average earning assets$196,175,2502,895
Average equity$18,050,5003,449
Average total loans$131,652,0002,843
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5690%1,959
Cost of funding earning assets0.7571%1,660
Net interest margin3.8119%2,510
Noninterest income to average assets0.5373%3,593
Noninterest expense to average assets2.3252%5,292
Loan and lease loss provision to assets0.0292%4,343
Net operating income to assets1.8103%507
Return on assets (ROA)1.8103%546
Pretax return on assets1.8191%896
Return on Equity (ROE)20.7373%263
Retained earnings to average equity (ytd only)12.2083%459
Net charge-offs to loans0.0167%4,507
Credit loss provision to net charge-offs272.7273%927
Earnings coverage of net charge-offs (x)172.6364%288
Efficiency ratio55.7136%5,997
Assets per employee ($millions)3.9311%3,955
Cash dividends to net income (ytd only)*41.1290%2,203
Condition Ratios (%)
Loss allowance to loans1.3270%4,376
Loan loss allowance to noncurrent loans156.0440%2,440
Noncurrent assets plus other real estate owned to assets0.6379%4,638
Noncurrent loans to loans0.8504%4,223
Net loans and leases to total assets61.9852%3,286
Net loans and leases to deposits69.1081%3,844
Net loans and leases to core deposits78.2821%3,255
Total domestic deposits to total assets89.6932%1,211
Equity capital to assets8.9302%5,294
Core capital (leverage) ratio8.8667%5,197
Tier 1 risk-based capital ratio12.5860%5,439
Total risk-based capital ratio13.7666%5,428
Memoranda:
Average total assets$205,486,0002,997
Average earning assets$196,018,3302,914
Average equity$17,938,6703,494
Average total loans$131,731,6702,849
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5860%1,874
Cost of funding earning assets0.7728%1,691
Net interest margin3.8132%2,398
Noninterest income to average assets0.4834%3,897
Noninterest expense to average assets2.3124%5,390
Loan and lease loss provision to assets0.0291%4,089
Net operating income to assets1.7629%501
Return on assets (ROA)1.7629%554
Pretax return on assets1.7726%932
Return on Equity (ROE)20.4269%268
Retained earnings to average equity (ytd only)20.4269%126
Net charge-offs to loans0.0360%3,520
Credit loss provision to net charge-offs125.0000%1,549
Earnings coverage of net charge-offs (x)77.3333%481
Efficiency ratio56.2058%6,042
Assets per employee ($millions)4.0221%3,898
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2738%4,827
Loan loss allowance to noncurrent loans151.9352%2,354
Noncurrent assets plus other real estate owned to assets0.6357%4,788
Noncurrent loans to loans0.8384%4,444
Net loans and leases to total assets63.7784%2,752
Net loans and leases to deposits71.0409%3,322
Net loans and leases to core deposits79.2525%2,897
Total domestic deposits to total assets89.7770%1,178
Equity capital to assets8.8862%5,628
Core capital (leverage) ratio8.7099%5,315
Tier 1 risk-based capital ratio12.1390%5,829
Total risk-based capital ratio13.2787%5,856
Memoranda:
Average total assets$206,020,0003,025
Average earning assets$196,163,0002,942
Average equity$17,780,5003,555
Average total loans$133,391,0002,830
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8064%2,167
Cost of funding earning assets0.8480%2,305
Net interest margin3.9584%2,572
Noninterest income to average assets0.6150%3,201
Noninterest expense to average assets2.3787%5,475
Loan and lease loss provision to assets0.0152%5,713
Net operating income to assets1.9757%370
Return on assets (ROA)1.9757%404
Pretax return on assets1.9863%623
Return on Equity (ROE)22.9562%184
Retained earnings to average equity (ytd only)7.6992%1,236
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3056%6,239
Assets per employee ($millions)3.9040%4,147
Cash dividends to net income (ytd only)*66.4614%1,500
Condition Ratios (%)
Loss allowance to loans1.2550%4,849
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0918%6,361
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets64.0764%2,886
Net loans and leases to deposits71.6429%3,471
Net loans and leases to core deposits80.4465%2,949
Total domestic deposits to total assets89.4386%1,280
Equity capital to assets8.3769%6,136
Core capital (leverage) ratio8.5045%5,604
Tier 1 risk-based capital ratio11.3703%6,176
Total risk-based capital ratio12.4926%6,215
Memoranda:
Average total assets$197,250,4003,081
Average earning assets$187,625,8002,990
Average equity$16,975,8003,637
Average total loans$125,690,4002,967
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8065%2,373
Cost of funding earning assets0.8630%2,442
Net interest margin3.9435%2,735
Noninterest income to average assets0.5988%3,282
Noninterest expense to average assets2.3493%5,547
Loan and lease loss provision to assets0.0103%5,678
Net operating income to assets1.9839%391
Return on assets (ROA)1.9839%445
Pretax return on assets1.9948%708
Return on Equity (ROE)22.8895%196
Retained earnings to average equity (ytd only)12.6252%424
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.9525%6,255
Assets per employee ($millions)3.8098%4,282
Cash dividends to net income (ytd only)*44.8430%1,939
Condition Ratios (%)
Loss allowance to loans1.2729%4,934
Loan loss allowance to noncurrent loans11,928.5714%51
Noncurrent assets plus other real estate owned to assets0.1085%6,454
Noncurrent loans to loans0.0107%6,638
Net loans and leases to total assets65.3800%2,755
Net loans and leases to deposits73.9733%3,287
Net loans and leases to core deposits83.9583%2,705
Total domestic deposits to total assets88.3833%1,796
Equity capital to assets8.9117%5,909
Core capital (leverage) ratio8.8018%5,346
Tier 1 risk-based capital ratio11.8530%6,023
Total risk-based capital ratio12.9931%6,067
Memoranda:
Average total assets$194,834,5003,147
Average earning assets$185,547,7503,045
Average equity$16,886,5003,679
Average total loans$123,546,0003,041
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7676%2,650
Cost of funding earning assets0.8730%2,635
Net interest margin3.8947%2,927
Noninterest income to average assets0.5389%3,659
Noninterest expense to average assets2.3733%5,553
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.8581%503
Return on assets (ROA)1.8581%575
Pretax return on assets1.8685%904
Return on Equity (ROE)21.6472%262
Retained earnings to average equity (ytd only)13.8302%362
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9504%6,120
Assets per employee ($millions)3.6687%4,595
Cash dividends to net income (ytd only)*36.1111%2,345
Condition Ratios (%)
Loss allowance to loans1.3084%4,854
Loan loss allowance to noncurrent loans3,677.7778%142
Noncurrent assets plus other real estate owned to assets0.1265%6,475
Noncurrent loans to loans0.0356%6,594
Net loans and leases to total assets64.2044%2,989
Net loans and leases to deposits72.2502%3,579
Net loans and leases to core deposits81.9568%2,966
Total domestic deposits to total assets88.8639%1,595
Equity capital to assets8.8197%5,892
Core capital (leverage) ratio8.6505%5,451
Tier 1 risk-based capital ratio11.8740%6,010
Total risk-based capital ratio13.0359%6,045
Memoranda:
Average total assets$193,742,3303,168
Average earning assets$184,201,3303,069
Average equity$16,630,3303,712
Average total loans$120,996,3303,114
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7516%2,843
Cost of funding earning assets0.8823%2,818
Net interest margin3.8692%3,058
Noninterest income to average assets0.5584%3,509
Noninterest expense to average assets2.3930%5,497
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.8284%569
Return on assets (ROA)1.8284%641
Pretax return on assets1.8387%998
Return on Equity (ROE)21.5992%290
Retained earnings to average equity (ytd only)21.5992%141
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5494%6,067
Assets per employee ($millions)3.7058%4,639
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.3731%4,718
Loan loss allowance to noncurrent loans3,521.2766%148
Noncurrent assets plus other real estate owned to assets0.1263%6,576
Noncurrent loans to loans0.0390%6,660
Net loans and leases to total assets60.5251%3,550
Net loans and leases to deposits67.8917%4,081
Net loans and leases to core deposits75.9842%3,623
Total domestic deposits to total assets89.1495%1,599
Equity capital to assets8.5888%6,003
Core capital (leverage) ratio8.6102%5,433
Tier 1 risk-based capital ratio12.2506%5,793
Total risk-based capital ratio13.4685%5,786
Memoranda:
Average total assets$193,393,5003,190
Average earning assets$183,602,5003,101
Average equity$16,371,0003,755
Average total loans$118,247,5003,192
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0076%2,853
Cost of funding earning assets0.9846%3,481
Net interest margin4.0230%2,773
Noninterest income to average assets0.4986%3,852
Noninterest expense to average assets2.4335%5,689
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.8618%412
Return on assets (ROA)1.8618%446
Pretax return on assets1.8763%698
Return on Equity (ROE)22.0977%178
Retained earnings to average equity (ytd only)6.3327%1,837
Net charge-offs to loans0.0050%6,363
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)582.0000%52
Efficiency ratio56.4643%6,254
Assets per employee ($millions)3.5921%4,788
Cash dividends to net income (ytd only)*71.3420%1,086
Condition Ratios (%)
Loss allowance to loans1.4272%4,345
Loan loss allowance to noncurrent loans3,447.9167%147
Noncurrent assets plus other real estate owned to assets0.1308%6,623
Noncurrent loans to loans0.0414%6,723
Net loans and leases to total assets60.0428%3,979
Net loans and leases to deposits67.2277%4,551
Net loans and leases to core deposits75.6099%4,036
Total domestic deposits to total assets89.3125%1,358
Equity capital to assets8.3375%6,315
Core capital (leverage) ratio8.3323%5,810
Tier 1 risk-based capital ratio11.9975%5,841
Total risk-based capital ratio13.2479%5,811
Memoranda:
Average total assets$186,110,4003,245
Average earning assets$176,312,8003,139
Average equity$15,680,4003,773
Average total loans$119,048,4003,195
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0294%2,940
Cost of funding earning assets1.0018%3,667
Net interest margin4.0276%2,790
Noninterest income to average assets0.4734%4,101
Noninterest expense to average assets2.4152%5,721
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.8611%457
Return on assets (ROA)1.8611%492
Pretax return on assets1.8763%825
Return on Equity (ROE)22.0308%218
Retained earnings to average equity (ytd only)11.1818%598
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2794%6,241
Assets per employee ($millions)3.5317%4,921
Cash dividends to net income (ytd only)*49.2452%1,628
Condition Ratios (%)
Loss allowance to loans1.3653%4,709
Loan loss allowance to noncurrent loans2,025.6098%206
Noncurrent assets plus other real estate owned to assets0.1814%6,600
Noncurrent loans to loans0.0674%6,761
Net loans and leases to total assets62.9216%3,525
Net loans and leases to deposits70.5453%4,210
Net loans and leases to core deposits79.0018%3,774
Total domestic deposits to total assets89.1931%1,308
Equity capital to assets8.4908%6,306
Core capital (leverage) ratio8.6187%5,521
Tier 1 risk-based capital ratio11.8994%5,960
Total risk-based capital ratio13.1284%5,958
Memoranda:
Average total assets$185,042,7503,275
Average earning assets$175,419,0003,166
Average equity$15,632,2503,799
Average total loans$119,819,2503,204
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0351%2,993
Cost of funding earning assets1.0275%3,758
Net interest margin4.0076%2,801
Noninterest income to average assets0.4193%4,519
Noninterest expense to average assets2.4854%5,598
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.7166%580
Return on assets (ROA)1.7166%625
Pretax return on assets1.7330%986
Return on Equity (ROE)20.3557%293
Retained earnings to average equity (ytd only)12.5863%440
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9179%6,041
Assets per employee ($millions)3.3992%5,203
Cash dividends to net income (ytd only)*38.1679%2,156
Condition Ratios (%)
Loss allowance to loans1.3638%4,755
Loan loss allowance to noncurrent loans2,768.3333%165
Noncurrent assets plus other real estate owned to assets0.1722%6,668
Noncurrent loans to loans0.0493%6,862
Net loans and leases to total assets65.4471%3,150
Net loans and leases to deposits73.6567%3,854
Net loans and leases to core deposits83.1320%3,346
Total domestic deposits to total assets88.8543%1,631
Equity capital to assets8.6811%5,966
Core capital (leverage) ratio8.6577%5,287
Tier 1 risk-based capital ratio11.6473%6,058
Total risk-based capital ratio12.8762%6,067
Memoranda:
Average total assets$183,153,0003,326
Average earning assets$173,622,0003,209
Average equity$15,445,3303,827
Average total loans$119,205,6703,246
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9833%3,174
Cost of funding earning assets1.0571%3,802
Net interest margin3.9261%3,021
Noninterest income to average assets0.4285%4,467
Noninterest expense to average assets2.4816%5,619
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.6507%624
Return on assets (ROA)1.6507%657
Pretax return on assets1.6660%1,047
Return on Equity (ROE)19.8678%333
Retained earnings to average equity (ytd only)19.8678%165
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8313%6,005
Assets per employee ($millions)3.5451%4,890
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4135%4,593
Loan loss allowance to noncurrent loans4,152.5000%115
Noncurrent assets plus other real estate owned to assets0.1606%6,760
Noncurrent loans to loans0.0340%6,969
Net loans and leases to total assets62.8418%3,690
Net loans and leases to deposits70.9465%4,202
Net loans and leases to core deposits80.2896%3,709
Total domestic deposits to total assets88.5762%2,029
Equity capital to assets8.4608%5,964
Core capital (leverage) ratio8.4934%5,465
Tier 1 risk-based capital ratio11.8537%5,816
Total risk-based capital ratio13.1043%5,821
Memoranda:
Average total assets$182,950,0003,355
Average earning assets$173,300,0003,250
Average equity$15,200,5003,863
Average total loans$117,911,0003,289
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3301%2,977
Cost of funding earning assets1.2318%4,346
Net interest margin4.0983%2,566
Noninterest income to average assets0.5086%4,103
Noninterest expense to average assets2.6050%5,395
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.7399%474
Return on assets (ROA)1.7716%485
Pretax return on assets1.7838%790
Return on Equity (ROE)21.2239%191
Retained earnings to average equity (ytd only)9.9017%544
Net charge-offs to loans0.0052%6,793
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)502.3333%43
Efficiency ratio59.7919%6,080
Assets per employee ($millions)3.3621%5,268
Cash dividends to net income (ytd only)*53.3465%1,916
Condition Ratios (%)
Loss allowance to loans1.4039%4,489
Loan loss allowance to noncurrent loans4,371.0526%121
Noncurrent assets plus other real estate owned to assets0.1950%6,734
Noncurrent loans to loans0.0321%7,051
Net loans and leases to total assets64.2529%3,823
Net loans and leases to deposits72.3527%4,458
Net loans and leases to core deposits80.1819%4,185
Total domestic deposits to total assets88.8051%1,766
Equity capital to assets8.1540%6,314
Core capital (leverage) ratio8.3476%5,615
Tier 1 risk-based capital ratio11.3725%6,019
Total risk-based capital ratio12.6229%6,011
Memoranda:
Average total assets$172,052,2003,497
Average earning assets$161,555,4003,417
Average equity$14,361,2004,055
Average total loans$115,933,8003,405
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3784%2,983
Cost of funding earning assets1.2574%4,515
Net interest margin4.1210%2,529
Noninterest income to average assets0.5241%3,995
Noninterest expense to average assets2.5790%5,406
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.7940%513
Return on assets (ROA)1.7940%560
Pretax return on assets1.8057%916
Return on Equity (ROE)21.3601%233
Retained earnings to average equity (ytd only)12.6028%389
Net charge-offs to loans0.0046%6,604
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)574.8443%50
Efficiency ratio58.8172%6,142
Assets per employee ($millions)3.3988%5,211
Cash dividends to net income (ytd only)*40.9988%2,052
Condition Ratios (%)
Loss allowance to loans1.4077%4,418
Loan loss allowance to noncurrent loans1,108.6667%336
Noncurrent assets plus other real estate owned to assets0.2467%6,747
Noncurrent loans to loans0.1270%6,927
Net loans and leases to total assets65.9039%3,714
Net loans and leases to deposits74.5170%4,428
Net loans and leases to core deposits81.4586%4,324
Total domestic deposits to total assets88.4415%1,703
Equity capital to assets8.4816%6,297
Core capital (leverage) ratio8.4151%5,675
Tier 1 risk-based capital ratio11.4208%5,998
Total risk-based capital ratio12.6713%5,986
Memoranda:
Average total assets$169,676,2503,589
Average earning assets$158,954,2503,517
Average equity$14,250,5004,147
Average total loans$115,338,2503,469
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4110%2,930
Cost of funding earning assets1.2655%4,743
Net interest margin4.1455%2,348
Noninterest income to average assets0.4506%4,506
Noninterest expense to average assets2.5998%5,323
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.7164%571
Return on assets (ROA)1.7164%627
Pretax return on assets1.7272%1,008
Return on Equity (ROE)20.5084%290
Retained earnings to average equity (ytd only)13.1391%366
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0829%6,033
Assets per employee ($millions)3.1708%5,738
Cash dividends to net income (ytd only)*35.9331%2,268
Condition Ratios (%)
Loss allowance to loans1.4556%4,148
Loan loss allowance to noncurrent loans1,323.0159%269
Noncurrent assets plus other real estate owned to assets0.2611%6,746
Noncurrent loans to loans0.1100%7,046
Net loans and leases to total assets65.9131%3,856
Net loans and leases to deposits74.5899%4,584
Net loans and leases to core deposits80.7145%4,592
Total domestic deposits to total assets88.3673%1,794
Equity capital to assets8.4205%6,267
Core capital (leverage) ratio8.4821%5,440
Tier 1 risk-based capital ratio11.5380%5,729
Total risk-based capital ratio12.7889%5,704
Memoranda:
Average total assets$167,323,0003,647
Average earning assets$156,458,6703,588
Average equity$14,004,0004,198
Average total loans$114,404,6703,523
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4428%2,854
Cost of funding earning assets1.2618%5,054
Net interest margin4.1810%2,117
Noninterest income to average assets0.4475%4,496
Noninterest expense to average assets2.6171%5,279
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.7052%610
Return on assets (ROA)1.7052%662
Pretax return on assets1.7173%1,023
Return on Equity (ROE)20.4392%357
Retained earnings to average equity (ytd only)20.4392%184
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.3795%6,102
Assets per employee ($millions)3.2608%5,628
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4424%4,196
Loan loss allowance to noncurrent loans2,825.4237%125
Noncurrent assets plus other real estate owned to assets0.9633%5,229
Noncurrent loans to loans0.0510%7,277
Net loans and leases to total assets68.4943%3,277
Net loans and leases to deposits77.6559%4,104
Net loans and leases to core deposits80.8472%4,649
Total domestic deposits to total assets88.2023%1,945
Equity capital to assets8.5074%5,994
Core capital (leverage) ratio8.5966%5,205
Tier 1 risk-based capital ratio11.1968%5,961
Total risk-based capital ratio12.4477%5,915
Memoranda:
Average total assets$165,372,5003,741
Average earning assets$153,743,0003,698
Average equity$13,797,0004,287
Average total loans$114,344,0003,589
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6118%3,542
Cost of funding earning assets1.6180%4,948
Net interest margin3.9937%2,888
Noninterest income to average assets0.6159%3,515
Noninterest expense to average assets2.7299%5,247
Loan and lease loss provision to assets0.0739%6,846
Net operating income to assets1.5128%652
Return on assets (ROA)1.5128%704
Pretax return on assets1.5263%1,125
Return on Equity (ROE)18.0525%366
Retained earnings to average equity (ytd only)1.1467%4,245
Net charge-offs to loans-0.0009%7,679
Credit loss provision to net charge-offs-12,000.0000%7,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0441%5,960
Assets per employee ($millions)3.1623%5,819
Cash dividends to net income (ytd only)*93.6482%770
Condition Ratios (%)
Loss allowance to loans1.4737%3,866
Loan loss allowance to noncurrent loans1,831.8681%216
Noncurrent assets plus other real estate owned to assets0.9924%5,124
Noncurrent loans to loans0.0805%7,213
Net loans and leases to total assets67.7722%3,754
Net loans and leases to deposits77.5573%4,463
Net loans and leases to core deposits91.2034%4,986
Total domestic deposits to total assets87.3834%2,274
Equity capital to assets8.1767%6,372
Core capital (leverage) ratio8.2829%5,650
Tier 1 risk-based capital ratio10.8404%6,074
Total risk-based capital ratio12.0919%6,047
Memoranda:
Average total assets$162,352,4003,723
Average earning assets$150,986,0003,692
Average equity$13,604,8004,358
Average total loans$112,784,6003,632
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6335%3,675
Cost of funding earning assets1.6856%4,974
Net interest margin3.9479%3,048
Noninterest income to average assets0.6509%3,344
Noninterest expense to average assets2.7106%5,273
Loan and lease loss provision to assets0.0742%6,617
Net operating income to assets1.5291%761
Return on assets (ROA)1.5291%816
Pretax return on assets1.5440%1,293
Return on Equity (ROE)18.1362%441
Retained earnings to average equity (ytd only)6.4102%1,758
Net charge-offs to loans-0.0024%7,595
Credit loss provision to net charge-offs-4,500.0000%7,404
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6190%5,998
Assets per employee ($millions)3.1125%5,876
Cash dividends to net income (ytd only)*64.6553%1,439
Condition Ratios (%)
Loss allowance to loans1.4547%3,669
Loan loss allowance to noncurrent loans1,820.0000%208
Noncurrent assets plus other real estate owned to assets1.0016%5,073
Noncurrent loans to loans0.0799%7,290
Net loans and leases to total assets68.5571%3,836
Net loans and leases to deposits76.9427%4,904
Net loans and leases to core deposits91.2417%5,306
Total domestic deposits to total assets89.1016%1,156
Equity capital to assets8.6093%6,102
Core capital (leverage) ratio8.5869%5,317
Tier 1 risk-based capital ratio11.4076%5,522
Total risk-based capital ratio12.6589%5,467
Memoranda:
Average total assets$161,830,0003,764
Average earning assets$150,761,7503,710
Average equity$13,644,5004,376
Average total loans$112,702,5003,661
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6677%3,728
Cost of funding earning assets1.7576%4,958
Net interest margin3.9101%3,059
Noninterest income to average assets0.7354%2,788
Noninterest expense to average assets2.7635%5,119
Loan and lease loss provision to assets0.0742%6,448
Net operating income to assets1.5165%807
Return on assets (ROA)1.5165%860
Pretax return on assets1.5325%1,368
Return on Equity (ROE)18.1134%487
Retained earnings to average equity (ytd only)9.2560%876
Net charge-offs to loans-0.0018%7,477
Credit loss provision to net charge-offs-6,000.0000%7,249
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2353%6,049
Assets per employee ($millions)3.0710%5,946
Cash dividends to net income (ytd only)*48.8998%2,092
Condition Ratios (%)
Loss allowance to loans1.4286%3,585
Loan loss allowance to noncurrent loans1,064.2384%338
Noncurrent assets plus other real estate owned to assets1.0414%4,886
Noncurrent loans to loans0.1342%7,178
Net loans and leases to total assets69.4335%3,840
Net loans and leases to deposits78.8619%4,722
Net loans and leases to core deposits93.7024%5,150
Total domestic deposits to total assets88.0444%1,742
Equity capital to assets8.6423%5,831
Core capital (leverage) ratio8.5254%5,395
Tier 1 risk-based capital ratio11.4514%5,441
Total risk-based capital ratio12.7027%5,357
Memoranda:
Average total assets$161,823,6703,786
Average earning assets$150,431,3303,737
Average equity$13,548,0004,407
Average total loans$112,737,6703,707
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7118%3,745
Cost of funding earning assets1.8801%4,738
Net interest margin3.8317%3,330
Noninterest income to average assets0.8055%2,295
Noninterest expense to average assets2.8117%4,507
Loan and lease loss provision to assets0.0737%6,036
Net operating income to assets1.4758%983
Return on assets (ROA)1.4758%1,059
Pretax return on assets1.4783%1,731
Return on Equity (ROE)17.9116%593
Retained earnings to average equity (ytd only)17.9116%234
Net charge-offs to loans-0.0071%7,228
Credit loss provision to net charge-offs-1,500.0000%6,576
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4344%5,602
Assets per employee ($millions)3.1581%5,717
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4160%3,414
Loan loss allowance to noncurrent loans1,396.4602%309
Noncurrent assets plus other real estate owned to assets0.9652%4,783
Noncurrent loans to loans0.1014%7,238
Net loans and leases to total assets66.8991%4,363
Net loans and leases to deposits74.9015%5,358
Net loans and leases to core deposits89.0681%5,640
Total domestic deposits to total assets89.3161%1,093
Equity capital to assets8.3346%6,338
Core capital (leverage) ratio8.4271%5,667
Tier 1 risk-based capital ratio11.4418%5,468
Total risk-based capital ratio12.6928%5,362
Memoranda:
Average total assets$162,890,0003,777
Average earning assets$151,266,0003,724
Average equity$13,421,5004,469
Average total loans$112,863,5003,724
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4063%3,384
Cost of funding earning assets2.5093%4,158
Net interest margin3.8969%3,577
Noninterest income to average assets0.5006%4,611
Noninterest expense to average assets2.5269%5,900
Loan and lease loss provision to assets0.0730%6,482
Net operating income to assets1.5621%905
Return on assets (ROA)1.5621%877
Pretax return on assets1.5651%1,500
Return on Equity (ROE)19.1254%446
Retained earnings to average equity (ytd only)1.0278%4,609
Net charge-offs to loans0.0050%6,909
Credit loss provision to net charge-offs2,000.0000%221
Earnings coverage of net charge-offs (x)448.8333%115
Efficiency ratio60.6689%6,225
Assets per employee ($millions)3.1679%5,570
Cash dividends to net income (ytd only)*94.6262%1,144
Condition Ratios (%)
Loss allowance to loans1.3527%3,465
Loan loss allowance to noncurrent loans1,277.6860%419
Noncurrent assets plus other real estate owned to assets0.9860%4,367
Noncurrent loans to loans0.1059%7,095
Net loans and leases to total assets69.7829%4,061
Net loans and leases to deposits77.9488%5,345
Net loans and leases to core deposits91.4965%5,684
Total domestic deposits to total assets89.5241%835
Equity capital to assets8.1431%6,639
Core capital (leverage) ratio8.1891%6,186
Tier 1 risk-based capital ratio10.8143%5,898
Total risk-based capital ratio12.0644%5,801
Memoranda:
Average total assets$164,394,0003,640
Average earning assets$154,583,2003,575
Average equity$13,427,2004,468
Average total loans$119,756,8003,462