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Streator Home Savings Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4511%4,563
Cost of funding earning assets1.0411%3,208
Net interest margin1.4100%4,518
Noninterest income to average assets0.0300%4,476
Noninterest expense to average assets1.4244%4,378
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.0205%4,312
Return on assets (ROA)0.0205%4,338
Pretax return on assets-0.0446%4,379
Return on Equity (ROE)0.0800%4,339
Retained earnings to average equity (ytd only)0.0795%4,026
Net charge-offs to loans0.0218%1,896
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)-9.2500%4,552
Efficiency ratio103.2357%158
Assets per employee ($millions)12.5344%365
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.7971%3,969
Loan loss allowance to noncurrent loans48.0198%3,631
Noncurrent assets plus other real estate owned to assets0.3719%1,483
Noncurrent loans to loans1.6600%382
Net loans and leases to total assets22.2300%4,386
Net loans and leases to deposits31.7531%4,337
Net loans and leases to core deposits34.4793%4,358
Total domestic deposits to total assets70.0000%4,290
Equity capital to assets26.3233%180
Core capital (leverage) ratio26.5335%142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$165,748,8003,227
Average earning assets$158,579,4003,178
Average equity$42,772,8001,798
Average total loans$36,759,8004,043
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4342%4,582
Cost of funding earning assets0.9310%3,200
Net interest margin1.5033%4,524
Noninterest income to average assets0.0300%4,496
Noninterest expense to average assets1.4699%4,332
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.0665%4,340
Return on assets (ROA)0.0665%4,361
Pretax return on assets-0.0024%4,403
Return on Equity (ROE)0.2600%4,368
Retained earnings to average equity (ytd only)0.2589%4,073
Net charge-offs to loans0.0072%2,165
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)-1.5000%4,570
Efficiency ratio100.1638%177
Assets per employee ($millions)11.7980%395
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.8094%3,964
Loan loss allowance to noncurrent loans64.2857%3,520
Noncurrent assets plus other real estate owned to assets0.2797%1,887
Noncurrent loans to loans1.2591%610
Net loans and leases to total assets22.0300%4,419
Net loans and leases to deposits31.5701%4,362
Net loans and leases to core deposits33.9934%4,349
Total domestic deposits to total assets69.8000%4,328
Equity capital to assets25.8591%187
Core capital (leverage) ratio26.3108%145
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$166,449,2503,226
Average earning assets$159,116,0003,186
Average equity$42,742,7501,783
Average total loans$36,823,0004,055
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4286%4,614
Cost of funding earning assets0.8392%3,100
Net interest margin1.5894%4,570
Noninterest income to average assets0.0300%4,529
Noninterest expense to average assets1.4790%4,351
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.0731%4,378
Return on assets (ROA)0.0731%4,414
Pretax return on assets0.0683%4,413
Return on Equity (ROE)0.2900%4,418
Retained earnings to average equity (ytd only)0.2854%4,026
Net charge-offs to loans0.0108%1,798
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)28.5000%1,577
Efficiency ratio95.5848%232
Assets per employee ($millions)9.7534%719
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.8088%3,999
Loan loss allowance to noncurrent loans78.9894%3,438
Noncurrent assets plus other real estate owned to assets0.2268%2,053
Noncurrent loans to loans1.0239%737
Net loans and leases to total assets21.9700%4,438
Net loans and leases to deposits31.4605%4,381
Net loans and leases to core deposits33.7284%4,364
Total domestic deposits to total assets69.8300%4,366
Equity capital to assets25.8118%187
Core capital (leverage) ratio25.9722%147
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$166,875,0003,234
Average earning assets$159,434,3333,195
Average equity$42,753,0001,793
Average total loans$36,866,6674,064
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4015%4,642
Cost of funding earning assets0.7322%2,956
Net interest margin1.6693%4,623
Noninterest income to average assets0.0300%4,580
Noninterest expense to average assets1.6295%4,268
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.0143%4,471
Return on assets (ROA)0.0143%4,456
Pretax return on assets-0.0072%4,470
Return on Equity (ROE)0.0600%4,448
Retained earnings to average equity (ytd only)0.0562%4,009
Net charge-offs to loans0.0217%1,247
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)-1.5000%4,647
Efficiency ratio100.4418%165
Assets per employee ($millions)11.2067%491
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.8054%4,073
Loan loss allowance to noncurrent loans90.8257%3,407
Noncurrent assets plus other real estate owned to assets0.1945%2,172
Noncurrent loans to loans0.8867%850
Net loans and leases to total assets21.7600%4,500
Net loans and leases to deposits30.9368%4,427
Net loans and leases to core deposits33.3324%4,407
Total domestic deposits to total assets70.3400%4,408
Equity capital to assets25.4573%148
Core capital (leverage) ratio25.8265%150
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$167,408,5003,278
Average earning assets$160,066,0003,231
Average equity$42,730,5001,813
Average total loans$36,939,5004,118
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2799%4,570
Cost of funding earning assets0.2973%2,901
Net interest margin1.9826%4,556
Noninterest income to average assets0.0500%4,578
Noninterest expense to average assets1.5638%4,351
Loan and lease loss provision to assets0.0100%2,705
Net operating income to assets0.3412%4,326
Return on assets (ROA)0.3412%4,290
Pretax return on assets0.3834%4,293
Return on Equity (ROE)1.3300%4,455
Retained earnings to average equity (ytd only)1.3253%4,134
Net charge-offs to loans0.1680%497
Credit loss provision to net charge-offs14.2857%1,948
Earnings coverage of net charge-offs (x)10.2381%2,196
Efficiency ratio80.0864%710
Assets per employee ($millions)9.8068%718
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.8081%4,010
Loan loss allowance to noncurrent loans81.2500%3,468
Noncurrent assets plus other real estate owned to assets0.2207%2,053
Noncurrent loans to loans0.9945%735
Net loans and leases to total assets22.0200%4,533
Net loans and leases to deposits31.3032%4,442
Net loans and leases to core deposits33.4750%4,427
Total domestic deposits to total assets70.3300%4,465
Equity capital to assets25.5926%141
Core capital (leverage) ratio26.3577%147
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$165,882,2003,297
Average earning assets$158,779,4003,257
Average equity$42,706,6001,837
Average total loans$37,491,2004,109
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2692%4,545
Cost of funding earning assets0.2521%2,676
Net interest margin2.0170%4,545
Noninterest income to average assets0.0600%4,582
Noninterest expense to average assets1.5975%4,305
Loan and lease loss provision to assets0.0100%2,534
Net operating income to assets0.3525%4,319
Return on assets (ROA)0.3525%4,267
Pretax return on assets0.3895%4,274
Return on Equity (ROE)1.3700%4,466
Retained earnings to average equity (ytd only)1.3671%4,164
Net charge-offs to loans0.2233%308
Credit loss provision to net charge-offs14.2857%1,647
Earnings coverage of net charge-offs (x)7.8254%2,064
Efficiency ratio80.1049%769
Assets per employee ($millions)10.1814%620
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.8008%4,091
Loan loss allowance to noncurrent loans79.9465%3,539
Noncurrent assets plus other real estate owned to assets0.2296%2,085
Noncurrent loans to loans1.0017%775
Net loans and leases to total assets22.7400%4,564
Net loans and leases to deposits31.2580%4,480
Net loans and leases to core deposits33.2525%4,462
Total domestic deposits to total assets72.7400%4,492
Equity capital to assets26.1082%131
Core capital (leverage) ratio26.2443%143
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$165,673,7503,327
Average earning assets$158,645,2503,282
Average equity$42,716,5001,859
Average total loans$37,613,5004,133
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2490%4,543
Cost of funding earning assets0.2585%2,160
Net interest margin1.9905%4,562
Noninterest income to average assets0.0432%4,651
Noninterest expense to average assets1.5534%4,352
Loan and lease loss provision to assets0.0108%2,391
Net operating income to assets0.3265%4,241
Return on assets (ROA)0.3265%4,195
Pretax return on assets0.3830%4,183
Return on Equity (ROE)1.2717%4,428
Retained earnings to average equity (ytd only)1.2717%3,930
Net charge-offs to loans0.3342%207
Credit loss provision to net charge-offs14.2857%1,621
Earnings coverage of net charge-offs (x)5.2063%1,937
Efficiency ratio79.7781%964
Assets per employee ($millions)10.3903%587
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.7979%4,177
Loan loss allowance to noncurrent loans79.3103%3,547
Noncurrent assets plus other real estate owned to assets0.2538%2,045
Noncurrent loans to loans1.0061%831
Net loans and leases to total assets22.3610%4,623
Net loans and leases to deposits30.5589%4,537
Net loans and leases to core deposits32.3934%4,525
Total domestic deposits to total assets73.1733%4,558
Equity capital to assets25.6417%89
Core capital (leverage) ratio26.0546%95
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$166,597,3333,358
Average earning assets$159,358,6673,317
Average equity$42,778,3331,904
Average total loans$37,706,0004,180
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2254%4,516
Cost of funding earning assets0.2735%1,892
Net interest margin1.9519%4,543
Noninterest income to average assets0.0336%4,696
Noninterest expense to average assets1.6046%4,290
Loan and lease loss provision to assets0.0216%1,966
Net operating income to assets0.2398%4,260
Return on assets (ROA)0.2398%4,233
Pretax return on assets0.2734%4,223
Return on Equity (ROE)0.9334%4,435
Retained earnings to average equity (ytd only)0.9334%3,837
Net charge-offs to loans0.0212%1,118
Credit loss provision to net charge-offs450.0000%550
Earnings coverage of net charge-offs (x)61.5000%846
Efficiency ratio84.4697%816
Assets per employee ($millions)10.3655%620
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.9567%3,886
Loan loss allowance to noncurrent loans69.3642%3,668
Noncurrent assets plus other real estate owned to assets0.3232%1,820
Noncurrent loans to loans1.3793%621
Net loans and leases to total assets22.4718%4,638
Net loans and leases to deposits30.7739%4,529
Net loans and leases to core deposits32.6311%4,516
Total domestic deposits to total assets73.0223%4,599
Equity capital to assets25.7826%84
Core capital (leverage) ratio25.7053%87
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$166,773,5003,373
Average earning assets$159,435,0003,334
Average equity$42,853,5001,952
Average total loans$37,822,5004,195
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3412%4,566
Cost of funding earning assets0.3880%1,623
Net interest margin1.9532%4,618
Noninterest income to average assets0.0648%4,692
Noninterest expense to average assets1.5616%4,471
Loan and lease loss provision to assets0.0318%2,411
Net operating income to assets0.3055%4,415
Return on assets (ROA)0.3017%4,442
Pretax return on assets0.3329%4,455
Return on Equity (ROE)1.1981%4,589
Retained earnings to average equity (ytd only)1.1981%4,204
Net charge-offs to loans0.0130%2,077
Credit loss provision to net charge-offs1,080.0000%505
Earnings coverage of net charge-offs (x)125.2000%755
Efficiency ratio80.8913%754
Assets per employee ($millions)9.8646%692
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.9286%3,993
Loan loss allowance to noncurrent loans79.8643%3,596
Noncurrent assets plus other real estate owned to assets0.2636%2,226
Noncurrent loans to loans1.1627%826
Net loans and leases to total assets22.4587%4,683
Net loans and leases to deposits31.4288%4,591
Net loans and leases to core deposits33.3469%4,575
Total domestic deposits to total assets71.4590%4,654
Equity capital to assets25.6096%87
Core capital (leverage) ratio25.4562%90
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$169,698,4003,306
Average earning assets$162,093,2003,255
Average equity$42,734,0001,986
Average total loans$38,358,6004,225
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3566%4,650
Cost of funding earning assets0.4106%1,619
Net interest margin1.9460%4,701
Noninterest income to average assets0.0736%4,749
Noninterest expense to average assets1.5675%4,514
Loan and lease loss provision to assets0.0353%2,296
Net operating income to assets0.3082%4,508
Return on assets (ROA)0.3032%4,535
Pretax return on assets0.3290%4,569
Return on Equity (ROE)1.2089%4,677
Retained earnings to average equity (ytd only)1.2089%4,369
Net charge-offs to loans0.0173%1,713
Credit loss provision to net charge-offs900.0000%538
Earnings coverage of net charge-offs (x)94.4000%896
Efficiency ratio80.9139%702
Assets per employee ($millions)10.0372%631
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8939%4,165
Loan loss allowance to noncurrent loans88.4319%3,528
Noncurrent assets plus other real estate owned to assets0.2280%2,638
Noncurrent loans to loans1.0109%1,139
Net loans and leases to total assets22.3504%4,765
Net loans and leases to deposits31.5955%4,678
Net loans and leases to core deposits33.6635%4,664
Total domestic deposits to total assets70.7394%4,718
Equity capital to assets25.1307%95
Core capital (leverage) ratio25.0275%98
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$170,198,2503,334
Average earning assets$162,999,2503,278
Average equity$42,680,7502,015
Average total loans$38,444,2504,285
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3665%4,688
Cost of funding earning assets0.4374%1,603
Net interest margin1.9291%4,743
Noninterest income to average assets0.0353%4,860
Noninterest expense to average assets1.5630%4,558
Loan and lease loss provision to assets0.0353%2,286
Net operating income to assets0.2564%4,575
Return on assets (ROA)0.2564%4,594
Pretax return on assets0.2834%4,602
Return on Equity (ROE)1.0231%4,699
Retained earnings to average equity (ytd only)1.0231%4,334
Net charge-offs to loans0.0260%1,429
Credit loss provision to net charge-offs600.0000%623
Earnings coverage of net charge-offs (x)54.2000%1,024
Efficiency ratio83.0625%611
Assets per employee ($millions)10.1404%582
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8570%4,271
Loan loss allowance to noncurrent loans66.1972%3,761
Noncurrent assets plus other real estate owned to assets0.3028%2,401
Noncurrent loans to loans1.2946%910
Net loans and leases to total assets22.0795%4,803
Net loans and leases to deposits31.0307%4,739
Net loans and leases to core deposits33.0273%4,728
Total domestic deposits to total assets71.1537%4,729
Equity capital to assets24.7839%96
Core capital (leverage) ratio24.9920%92
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$170,053,6673,338
Average earning assets$162,774,0003,285
Average equity$42,614,0002,010
Average total loans$38,432,0004,317
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4157%4,706
Cost of funding earning assets0.4618%1,643
Net interest margin1.9539%4,749
Noninterest income to average assets0.0355%4,879
Noninterest expense to average assets1.5987%4,535
Loan and lease loss provision to assets0.0355%2,304
Net operating income to assets0.2463%4,597
Return on assets (ROA)0.2463%4,618
Pretax return on assets0.2653%4,632
Return on Equity (ROE)0.9775%4,713
Retained earnings to average equity (ytd only)0.9775%4,223
Net charge-offs to loans0.0520%985
Credit loss provision to net charge-offs300.0000%753
Earnings coverage of net charge-offs (x)25.4000%1,156
Efficiency ratio84.1646%590
Assets per employee ($millions)10.0192%585
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8149%4,377
Loan loss allowance to noncurrent loans70.5618%3,708
Noncurrent assets plus other real estate owned to assets0.2759%2,771
Noncurrent loans to loans1.1548%1,153
Net loans and leases to total assets22.4392%4,836
Net loans and leases to deposits31.3381%4,776
Net loans and leases to core deposits33.4503%4,766
Total domestic deposits to total assets71.6034%4,730
Equity capital to assets24.9508%93
Core capital (leverage) ratio25.3601%89
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$168,887,5003,349
Average earning assets$161,114,5003,297
Average equity$42,559,0002,001
Average total loans$38,452,5004,332
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7573%4,769
Cost of funding earning assets0.7347%1,544
Net interest margin2.0226%4,820
Noninterest income to average assets0.0298%4,900
Noninterest expense to average assets1.6956%4,622
Loan and lease loss provision to assets0.0255%4,078
Net operating income to assets0.2953%4,437
Return on assets (ROA)0.3177%4,473
Pretax return on assets0.2661%4,589
Return on Equity (ROE)1.2352%4,653
Retained earnings to average equity (ytd only)1.2352%4,130
Net charge-offs to loans0.0787%1,688
Credit loss provision to net charge-offs135.4839%2,516
Earnings coverage of net charge-offs (x)14.2903%2,219
Efficiency ratio86.3018%521
Assets per employee ($millions)9.8499%559
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.7923%4,440
Loan loss allowance to noncurrent loans53.1469%3,974
Noncurrent assets plus other real estate owned to assets0.3416%2,625
Noncurrent loans to loans1.4907%893
Net loans and leases to total assets22.7336%4,867
Net loans and leases to deposits31.9560%4,810
Net loans and leases to core deposits34.0045%4,804
Total domestic deposits to total assets71.1403%4,748
Equity capital to assets25.4527%97
Core capital (leverage) ratio25.4983%94
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$164,601,4003,244
Average earning assets$157,473,4003,192
Average equity$42,342,2001,931
Average total loans$39,383,6004,319
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8378%4,818
Cost of funding earning assets0.7938%1,529
Net interest margin2.0440%4,872
Noninterest income to average assets0.0309%4,929
Noninterest expense to average assets1.6873%4,635
Loan and lease loss provision to assets0.0220%4,057
Net operating income to assets0.3563%4,347
Return on assets (ROA)0.3124%4,475
Pretax return on assets0.2343%4,618
Return on Equity (ROE)1.2112%4,676
Retained earnings to average equity (ytd only)1.2112%4,177
Net charge-offs to loans0.0976%1,331
Credit loss provision to net charge-offs93.1034%2,683
Earnings coverage of net charge-offs (x)12.7241%2,235
Efficiency ratio84.8956%567
Assets per employee ($millions)11.1125%377
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7487%4,491
Loan loss allowance to noncurrent loans54.6992%3,961
Noncurrent assets plus other real estate owned to assets0.3444%2,765
Noncurrent loans to loans1.3688%1,068
Net loans and leases to total assets23.1426%4,901
Net loans and leases to deposits32.5786%4,873
Net loans and leases to core deposits35.3947%4,857
Total domestic deposits to total assets71.0363%4,717
Equity capital to assets25.4895%99
Core capital (leverage) ratio25.4896%92
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$163,889,7503,229
Average earning assets$156,875,7503,183
Average equity$42,272,7501,921
Average total loans$39,636,7504,339
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9310%4,868
Cost of funding earning assets0.8616%1,535
Net interest margin2.0694%4,928
Noninterest income to average assets0.0295%4,955
Noninterest expense to average assets1.6728%4,708
Loan and lease loss provision to assets0.0147%4,046
Net operating income to assets0.3005%4,419
Return on assets (ROA)0.3473%4,395
Pretax return on assets0.3731%4,443
Return on Equity (ROE)1.3412%4,643
Retained earnings to average equity (ytd only)1.3412%3,991
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2112%687
Assets per employee ($millions)10.3473%457
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.7700%4,418
Loan loss allowance to noncurrent loans60.8782%3,873
Noncurrent assets plus other real estate owned to assets0.3026%3,101
Noncurrent loans to loans1.2649%1,230
Net loans and leases to total assets23.7405%4,929
Net loans and leases to deposits33.4650%4,894
Net loans and leases to core deposits35.7169%4,885
Total domestic deposits to total assets70.9411%4,751
Equity capital to assets25.5797%97
Core capital (leverage) ratio25.3838%93
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$162,957,0003,219
Average earning assets$155,985,6673,173
Average equity$42,201,0001,913
Average total loans$39,893,3334,356
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0397%4,938
Cost of funding earning assets0.9590%1,612
Net interest margin2.0808%4,996
Noninterest income to average assets0.0297%5,002
Noninterest expense to average assets1.6702%4,803
Loan and lease loss provision to assets0.0148%3,604
Net operating income to assets0.3075%4,328
Return on assets (ROA)0.4008%4,170
Pretax return on assets0.4380%4,225
Return on Equity (ROE)1.5382%4,537
Retained earnings to average equity (ytd only)1.5382%3,590
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6193%929
Assets per employee ($millions)10.1596%366
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.7529%4,513
Loan loss allowance to noncurrent loans53.5842%4,026
Noncurrent assets plus other real estate owned to assets0.3433%3,069
Noncurrent loans to loans1.4052%1,131
Net loans and leases to total assets24.2455%4,973
Net loans and leases to deposits33.1720%4,941
Net loans and leases to core deposits35.5303%4,930
Total domestic deposits to total assets73.0902%4,720
Equity capital to assets25.9532%99
Core capital (leverage) ratio26.1301%99
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$161,657,0003,196
Average earning assets$154,751,0003,147
Average equity$42,127,0001,908
Average total loans$40,035,5004,378
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1350%5,020
Cost of funding earning assets1.0358%1,580
Net interest margin2.0992%5,081
Noninterest income to average assets0.0290%5,082
Noninterest expense to average assets1.6409%4,919
Loan and lease loss provision to assets0.0145%3,724
Net operating income to assets0.3860%4,618
Return on assets (ROA)0.4250%4,580
Pretax return on assets0.4335%4,660
Return on Equity (ROE)1.6895%4,834
Retained earnings to average equity (ytd only)1.6895%4,126
Net charge-offs to loans0.1127%1,606
Credit loss provision to net charge-offs52.1739%3,105
Earnings coverage of net charge-offs (x)14.6957%2,272
Efficiency ratio80.0825%938
Assets per employee ($millions)8.9311%515
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.7260%4,518
Loan loss allowance to noncurrent loans46.6561%4,146
Noncurrent assets plus other real estate owned to assets0.3906%2,840
Noncurrent loans to loans1.5560%914
Net loans and leases to total assets24.9235%5,029
Net loans and leases to deposits34.2041%4,996
Net loans and leases to core deposits36.4034%4,988
Total domestic deposits to total assets72.8670%4,834
Equity capital to assets26.1670%111
Core capital (leverage) ratio25.9976%111
Tier 1 risk-based capital ratio92.6040%47
Total risk-based capital ratio93.3979%47
Memoranda:
Average total assets$165,643,8003,147
Average earning assets$159,395,0003,084
Average equity$41,669,4001,861
Average total loans$40,824,2004,390
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1567%5,106
Cost of funding earning assets1.0315%1,622
Net interest margin2.1252%5,164
Noninterest income to average assets0.0312%5,150
Noninterest expense to average assets1.6468%4,967
Loan and lease loss provision to assets0.0144%3,618
Net operating income to assets0.4100%4,703
Return on assets (ROA)0.4554%4,648
Pretax return on assets0.4626%4,740
Return on Equity (ROE)1.8282%4,918
Retained earnings to average equity (ytd only)1.8282%4,330
Net charge-offs to loans0.1498%1,088
Credit loss provision to net charge-offs39.1304%2,863
Earnings coverage of net charge-offs (x)11.7178%2,420
Efficiency ratio79.2692%983
Assets per employee ($millions)9.0517%473
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.7057%4,638
Loan loss allowance to noncurrent loans47.6744%4,213
Noncurrent assets plus other real estate owned to assets0.3695%3,028
Noncurrent loans to loans1.4802%1,025
Net loans and leases to total assets24.7847%5,122
Net loans and leases to deposits33.8480%5,092
Net loans and leases to core deposits36.1755%5,079
Total domestic deposits to total assets73.2236%4,853
Equity capital to assets25.7496%117
Core capital (leverage) ratio25.3155%116
Tier 1 risk-based capital ratio89.9212%48
Total risk-based capital ratio90.7117%47
Memoranda:
Average total assets$166,864,7503,162
Average earning assets$160,667,7503,108
Average equity$41,570,2501,873
Average total loans$40,940,2504,446
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1417%5,171
Cost of funding earning assets1.0036%1,681
Net interest margin2.1381%5,225
Noninterest income to average assets0.0285%5,204
Noninterest expense to average assets1.6031%5,054
Loan and lease loss provision to assets0.0143%3,492
Net operating income to assets0.4298%4,674
Return on assets (ROA)0.4353%4,689
Pretax return on assets0.4769%4,724
Return on Equity (ROE)1.7663%4,970
Retained earnings to average equity (ytd only)1.7663%4,185
Net charge-offs to loans0.1901%873
Credit loss provision to net charge-offs30.7692%2,596
Earnings coverage of net charge-offs (x)10.4615%2,268
Efficiency ratio76.7654%1,303
Assets per employee ($millions)9.2838%418
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.7088%4,695
Loan loss allowance to noncurrent loans50.3497%4,187
Noncurrent assets plus other real estate owned to assets0.3423%3,167
Noncurrent loans to loans1.4078%1,102
Net loans and leases to total assets24.1411%5,174
Net loans and leases to deposits32.6141%5,142
Net loans and leases to core deposits35.0736%5,134
Total domestic deposits to total assets74.0205%4,831
Equity capital to assets24.9526%127
Core capital (leverage) ratio24.8246%119
Tier 1 risk-based capital ratio88.0325%51
Total risk-based capital ratio88.7616%51
Memoranda:
Average total assets$168,176,0003,175
Average earning assets$162,015,3303,111
Average equity$41,442,3301,877
Average total loans$41,030,6704,474
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0889%5,244
Cost of funding earning assets0.9584%1,755
Net interest margin2.1305%5,297
Noninterest income to average assets0.0261%5,265
Noninterest expense to average assets1.4818%5,181
Loan and lease loss provision to assets0.0142%3,250
Net operating income to assets0.5216%4,457
Return on assets (ROA)0.5216%4,479
Pretax return on assets0.5856%4,541
Return on Equity (ROE)2.1300%4,953
Retained earnings to average equity (ytd only)2.1300%4,037
Net charge-offs to loans0.2037%686
Credit loss provision to net charge-offs28.5714%2,095
Earnings coverage of net charge-offs (x)12.0476%1,887
Efficiency ratio71.1845%2,161
Assets per employee ($millions)9.4691%404
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.7322%4,713
Loan loss allowance to noncurrent loans40.7609%4,431
Noncurrent assets plus other real estate owned to assets0.4318%2,860
Noncurrent loans to loans1.7963%860
Net loans and leases to total assets23.8624%5,239
Net loans and leases to deposits32.4361%5,189
Net loans and leases to core deposits35.2090%5,182
Total domestic deposits to total assets73.5673%4,964
Equity capital to assets24.3394%125
Core capital (leverage) ratio24.6542%117
Tier 1 risk-based capital ratio86.9759%50
Total risk-based capital ratio87.7281%50
Memoranda:
Average total assets$168,709,5003,204
Average earning assets$162,778,5003,138
Average equity$41,314,5001,880
Average total loans$41,231,0004,507
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0431%5,213
Cost of funding earning assets0.7592%1,742
Net interest margin2.2838%5,288
Noninterest income to average assets0.0299%5,306
Noninterest expense to average assets1.6028%5,165
Loan and lease loss provision to assets0.0036%4,034
Net operating income to assets0.5727%4,497
Return on assets (ROA)0.5727%4,501
Pretax return on assets0.6384%4,564
Return on Equity (ROE)2.3564%4,997
Retained earnings to average equity (ytd only)2.3564%4,200
Net charge-offs to loans0.1122%1,630
Credit loss provision to net charge-offs13.0435%3,421
Earnings coverage of net charge-offs (x)23.3696%1,854
Efficiency ratio71.4020%1,982
Assets per employee ($millions)9.2764%422
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.7592%4,650
Loan loss allowance to noncurrent loans38.2746%4,511
Noncurrent assets plus other real estate owned to assets0.4929%2,606
Noncurrent loans to loans1.9836%684
Net loans and leases to total assets24.6594%5,271
Net loans and leases to deposits33.6260%5,229
Net loans and leases to core deposits36.0035%5,215
Total domestic deposits to total assets73.3343%4,986
Equity capital to assets24.6408%114
Core capital (leverage) ratio24.7194%119
Tier 1 risk-based capital ratio86.7130%49
Total risk-based capital ratio87.4165%49
Memoranda:
Average total assets$167,457,8003,196
Average earning assets$162,402,8003,116
Average equity$40,697,8001,827
Average total loans$41,015,8004,522
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0268%5,277
Cost of funding earning assets0.7181%1,757
Net interest margin2.3087%5,346
Noninterest income to average assets0.0302%5,382
Noninterest expense to average assets1.6302%5,188
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.5760%4,568
Return on assets (ROA)0.5760%4,574
Pretax return on assets0.6381%4,662
Return on Equity (ROE)2.3784%5,086
Retained earnings to average equity (ytd only)2.3784%4,447
Net charge-offs to loans0.1630%1,010
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)16.0388%2,187
Efficiency ratio71.8695%1,901
Assets per employee ($millions)8.8378%470
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.7361%4,796
Loan loss allowance to noncurrent loans33.9266%4,678
Noncurrent assets plus other real estate owned to assets0.6039%2,370
Noncurrent loans to loans2.1696%655
Net loans and leases to total assets24.4945%5,348
Net loans and leases to deposits32.7808%5,319
Net loans and leases to core deposits35.1166%5,307
Total domestic deposits to total assets74.7223%4,915
Equity capital to assets24.3338%123
Core capital (leverage) ratio24.4929%117
Tier 1 risk-based capital ratio87.0365%46
Total risk-based capital ratio87.7425%46
Memoranda:
Average total assets$167,578,5003,220
Average earning assets$162,456,7503,133
Average equity$40,586,2501,835
Average total loans$40,897,2504,568
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0166%5,326
Cost of funding earning assets0.6886%1,691
Net interest margin2.3281%5,405
Noninterest income to average assets0.0322%5,437
Noninterest expense to average assets1.5848%5,280
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6234%4,429
Return on assets (ROA)0.6234%4,431
Pretax return on assets0.7046%4,497
Return on Equity (ROE)2.5781%5,088
Retained earnings to average equity (ytd only)2.5781%4,229
Net charge-offs to loans0.1130%1,248
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)25.6522%1,633
Efficiency ratio69.2227%2,446
Assets per employee ($millions)9.3647%395
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8136%4,647
Loan loss allowance to noncurrent loans36.2445%4,655
Noncurrent assets plus other real estate owned to assets0.5683%2,522
Noncurrent loans to loans2.2448%613
Net loans and leases to total assets24.0111%5,412
Net loans and leases to deposits32.0518%5,374
Net loans and leases to core deposits34.3015%5,365
Total domestic deposits to total assets74.9134%4,961
Equity capital to assets24.1374%124
Core capital (leverage) ratio24.2254%123
Tier 1 risk-based capital ratio86.4162%51
Total risk-based capital ratio87.1883%51
Memoranda:
Average total assets$167,465,0003,241
Average earning assets$162,367,3303,158
Average equity$40,494,6701,843
Average total loans$40,717,6704,615
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0039%5,369
Cost of funding earning assets0.6576%1,675
Net interest margin2.3463%5,459
Noninterest income to average assets0.0359%5,506
Noninterest expense to average assets1.4930%5,401
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7022%4,090
Return on assets (ROA)0.7022%4,096
Pretax return on assets0.8172%4,106
Return on Equity (ROE)2.9011%5,040
Retained earnings to average equity (ytd only)2.9011%4,034
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6266%3,386
Assets per employee ($millions)9.3404%394
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8800%4,530
Loan loss allowance to noncurrent loans40.5714%4,626
Noncurrent assets plus other real estate owned to assets0.5204%2,789
Noncurrent loans to loans2.1691%701
Net loans and leases to total assets23.7825%5,469
Net loans and leases to deposits31.6911%5,425
Net loans and leases to core deposits33.9374%5,413
Total domestic deposits to total assets75.0446%5,059
Equity capital to assets24.0751%118
Core capital (leverage) ratio24.4155%115
Tier 1 risk-based capital ratio86.7185%50
Total risk-based capital ratio87.5339%49
Memoranda:
Average total assets$166,915,5003,281
Average earning assets$161,788,5003,191
Average equity$40,398,5001,855
Average total loans$40,673,5004,672
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0094%5,349
Cost of funding earning assets0.6236%1,444
Net interest margin2.3858%5,468
Noninterest income to average assets0.0269%5,573
Noninterest expense to average assets1.5629%5,441
Loan and lease loss provision to assets0.0269%3,752
Net operating income to assets0.5371%4,272
Return on assets (ROA)0.5371%4,305
Pretax return on assets0.7485%4,390
Return on Equity (ROE)2.2461%5,009
Retained earnings to average equity (ytd only)2.2461%3,973
Net charge-offs to loans0.1135%1,922
Credit loss provision to net charge-offs93.7500%2,718
Earnings coverage of net charge-offs (x)26.9792%1,651
Efficiency ratio66.8374%3,107
Assets per employee ($millions)9.2057%420
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.8657%4,610
Loan loss allowance to noncurrent loans38.5033%4,722
Noncurrent assets plus other real estate owned to assets0.5564%2,688
Noncurrent loans to loans2.2484%636
Net loans and leases to total assets24.5331%5,524
Net loans and leases to deposits32.8082%5,483
Net loans and leases to core deposits35.2646%5,471
Total domestic deposits to total assets74.7772%5,110
Equity capital to assets24.3327%109
Core capital (leverage) ratio24.2676%107
Tier 1 risk-based capital ratio86.7890%49
Total risk-based capital ratio87.6714%49
Memoranda:
Average total assets$166,996,8003,277
Average earning assets$161,792,8003,177
Average equity$39,935,6001,863
Average total loans$42,281,6004,660
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0158%5,399
Cost of funding earning assets0.6120%1,447
Net interest margin2.4038%5,525
Noninterest income to average assets0.0263%5,640
Noninterest expense to average assets1.5658%5,478
Loan and lease loss provision to assets0.0359%3,397
Net operating income to assets0.6056%4,371
Return on assets (ROA)0.6056%4,411
Pretax return on assets0.7530%4,475
Return on Equity (ROE)2.5435%5,212
Retained earnings to average equity (ytd only)2.5435%4,367
Net charge-offs to loans0.1158%1,632
Credit loss provision to net charge-offs121.6216%1,987
Earnings coverage of net charge-offs (x)26.7580%1,667
Efficiency ratio66.4975%3,122
Assets per employee ($millions)8.7391%477
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.8680%4,698
Loan loss allowance to noncurrent loans42.8070%4,692
Noncurrent assets plus other real estate owned to assets0.5149%3,001
Noncurrent loans to loans2.0277%836
Net loans and leases to total assets25.1750%5,587
Net loans and leases to deposits33.6521%5,534
Net loans and leases to core deposits36.1603%5,523
Total domestic deposits to total assets74.8094%5,148
Equity capital to assets24.2222%118
Core capital (leverage) ratio24.0232%115
Tier 1 risk-based capital ratio85.6117%51
Total risk-based capital ratio86.5276%51
Memoranda:
Average total assets$167,320,2503,303
Average earning assets$162,075,0003,202
Average equity$39,839,5001,881
Average total loans$42,600,2504,699
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0113%5,424
Cost of funding earning assets0.6023%1,431
Net interest margin2.4090%5,564
Noninterest income to average assets0.0238%5,695
Noninterest expense to average assets1.5297%5,549
Loan and lease loss provision to assets0.0358%3,289
Net operating income to assets0.6200%4,216
Return on assets (ROA)0.6200%4,263
Pretax return on assets0.7905%4,307
Return on Equity (ROE)2.6188%5,213
Retained earnings to average equity (ytd only)2.6188%4,131
Net charge-offs to loans0.1731%1,135
Credit loss provision to net charge-offs81.0811%2,244
Earnings coverage of net charge-offs (x)18.7297%1,864
Efficiency ratio64.9291%3,512
Assets per employee ($millions)9.2636%383
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.8373%4,851
Loan loss allowance to noncurrent loans42.7007%4,748
Noncurrent assets plus other real estate owned to assets0.4930%3,113
Noncurrent loans to loans1.9608%865
Net loans and leases to total assets24.9310%5,629
Net loans and leases to deposits33.1912%5,587
Net loans and leases to core deposits35.3396%5,581
Total domestic deposits to total assets75.1133%5,188
Equity capital to assets23.9703%115
Core capital (leverage) ratio23.8189%115
Tier 1 risk-based capital ratio85.9357%47
Total risk-based capital ratio86.7953%47
Memoranda:
Average total assets$167,746,3303,310
Average earning assets$162,387,6703,211
Average equity$39,713,0001,882
Average total loans$42,744,6704,723
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0207%5,441
Cost of funding earning assets0.5953%1,406
Net interest margin2.4254%5,601
Noninterest income to average assets0.0238%5,775
Noninterest expense to average assets1.5121%5,628
Loan and lease loss provision to assets0.0357%3,077
Net operating income to assets0.6372%3,991
Return on assets (ROA)0.6372%4,032
Pretax return on assets0.8202%4,037
Return on Equity (ROE)2.7081%5,176
Retained earnings to average equity (ytd only)2.7081%4,055
Net charge-offs to loans0.3244%574
Credit loss provision to net charge-offs42.8571%2,044
Earnings coverage of net charge-offs (x)10.2857%1,948
Efficiency ratio63.8554%3,861
Assets per employee ($millions)9.3695%374
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.7937%5,086
Loan loss allowance to noncurrent loans69.8347%4,207
Noncurrent assets plus other real estate owned to assets0.2953%4,017
Noncurrent loans to loans1.1365%1,794
Net loans and leases to total assets25.0505%5,681
Net loans and leases to deposits33.1287%5,636
Net loans and leases to core deposits35.2287%5,633
Total domestic deposits to total assets75.6159%5,269
Equity capital to assets23.5368%123
Core capital (leverage) ratio23.6032%117
Tier 1 risk-based capital ratio84.7787%49
Total risk-based capital ratio85.6158%49
Memoranda:
Average total assets$168,247,5003,329
Average earning assets$162,610,0003,237
Average equity$39,585,0001,885
Average total loans$43,156,0004,747
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0030%5,500
Cost of funding earning assets0.5980%1,345
Net interest margin2.4050%5,643
Noninterest income to average assets0.0137%5,834
Noninterest expense to average assets1.5653%5,680
Loan and lease loss provision to assets0.0297%3,761
Net operating income to assets0.5709%4,342
Return on assets (ROA)0.5709%4,446
Pretax return on assets0.7220%4,418
Return on Equity (ROE)2.4596%5,301
Retained earnings to average equity (ytd only)2.4596%4,125
Net charge-offs to loans0.1327%1,919
Credit loss provision to net charge-offs83.3333%2,922
Earnings coverage of net charge-offs (x)21.0667%1,817
Efficiency ratio67.5565%3,334
Assets per employee ($millions)9.3247%386
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.8187%5,052
Loan loss allowance to noncurrent loans58.3062%4,489
Noncurrent assets plus other real estate owned to assets0.3879%3,718
Noncurrent loans to loans1.4042%1,451
Net loans and leases to total assets25.8383%5,732
Net loans and leases to deposits34.1260%5,673
Net loans and leases to core deposits36.2949%5,670
Total domestic deposits to total assets75.7144%5,270
Equity capital to assets23.5189%120
Core capital (leverage) ratio23.4987%119
Tier 1 risk-based capital ratio84.3072%47
Total risk-based capital ratio85.2543%47
Memoranda:
Average total assets$168,148,4003,306
Average earning assets$161,038,6003,223
Average equity$39,030,0001,876
Average total loans$45,218,8004,706
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9852%5,581
Cost of funding earning assets0.5911%1,402
Net interest margin2.3941%5,721
Noninterest income to average assets0.0214%5,896
Noninterest expense to average assets1.5923%5,694
Loan and lease loss provision to assets0.0277%3,682
Net operating income to assets0.5493%4,500
Return on assets (ROA)0.5493%4,606
Pretax return on assets0.6903%4,639
Return on Equity (ROE)2.3741%5,388
Retained earnings to average equity (ytd only)2.3741%4,492
Net charge-offs to loans0.1755%1,316
Credit loss provision to net charge-offs58.3333%2,926
Earnings coverage of net charge-offs (x)15.0996%2,201
Efficiency ratio68.9194%3,054
Assets per employee ($millions)9.2870%378
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.7716%5,269
Loan loss allowance to noncurrent loans63.0515%4,425
Noncurrent assets plus other real estate owned to assets0.4104%3,785
Noncurrent loans to loans1.2238%1,834
Net loans and leases to total assets26.3863%5,790
Net loans and leases to deposits34.8638%5,743
Net loans and leases to core deposits37.2586%5,733
Total domestic deposits to total assets75.6841%5,267
Equity capital to assets23.4803%127
Core capital (leverage) ratio23.3274%119
Tier 1 risk-based capital ratio84.0166%50
Total risk-based capital ratio84.8210%52
Memoranda:
Average total assets$168,224,5003,325
Average earning assets$160,835,7503,238
Average equity$38,918,7501,895
Average total loans$45,592,0004,740
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0069%5,639
Cost of funding earning assets0.5842%1,437
Net interest margin2.4227%5,796
Noninterest income to average assets0.0237%5,966
Noninterest expense to average assets1.5672%5,787
Loan and lease loss provision to assets0.0356%3,443
Net operating income to assets0.5778%4,364
Return on assets (ROA)0.5778%4,485
Pretax return on assets0.7332%4,524
Return on Equity (ROE)2.5098%5,378
Retained earnings to average equity (ytd only)2.5098%4,286
Net charge-offs to loans0.2480%954
Credit loss provision to net charge-offs52.6316%2,643
Earnings coverage of net charge-offs (x)11.3684%2,266
Efficiency ratio67.0899%3,521
Assets per employee ($millions)9.3512%348
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.7521%5,400
Loan loss allowance to noncurrent loans88.3420%3,945
Noncurrent assets plus other real estate owned to assets0.3167%4,228
Noncurrent loans to loans0.8513%2,613
Net loans and leases to total assets26.7351%5,854
Net loans and leases to deposits35.2085%5,802
Net loans and leases to core deposits37.5271%5,798
Total domestic deposits to total assets75.9336%5,290
Equity capital to assets23.2180%127
Core capital (leverage) ratio23.0328%116
Tier 1 risk-based capital ratio81.1870%53
Total risk-based capital ratio81.9788%53
Memoranda:
Average total assets$168,577,3303,333
Average earning assets$160,896,3303,259
Average equity$38,808,0001,902
Average total loans$45,972,0004,771
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0450%5,647
Cost of funding earning assets0.5825%1,462
Net interest margin2.4625%5,837
Noninterest income to average assets0.0237%6,031
Noninterest expense to average assets1.5174%5,903
Loan and lease loss provision to assets0.0356%3,187
Net operating income to assets0.6212%4,087
Return on assets (ROA)0.6212%4,205
Pretax return on assets0.8061%4,175
Return on Equity (ROE)2.7100%5,328
Retained earnings to average equity (ytd only)2.7100%4,159
Net charge-offs to loans0.4839%460
Credit loss provision to net charge-offs26.7857%2,250
Earnings coverage of net charge-offs (x)6.3393%2,251
Efficiency ratio64.3216%4,069
Assets per employee ($millions)9.9385%286
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.7114%5,570
Loan loss allowance to noncurrent loans78.9855%4,106
Noncurrent assets plus other real estate owned to assets0.3332%4,227
Noncurrent loans to loans0.9006%2,598
Net loans and leases to total assets27.0139%5,894
Net loans and leases to deposits35.4353%5,839
Net loans and leases to core deposits37.9857%5,823
Total domestic deposits to total assets76.2344%5,385
Equity capital to assets22.9808%132
Core capital (leverage) ratio22.8790%120
Tier 1 risk-based capital ratio80.4064%56
Total risk-based capital ratio81.1413%55
Memoranda:
Average total assets$168,705,0003,345
Average earning assets$160,000,0003,284
Average equity$38,671,5001,906
Average total loans$46,287,0004,798
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0568%5,684
Cost of funding earning assets0.5956%1,392
Net interest margin2.4612%5,850
Noninterest income to average assets0.0315%6,044
Noninterest expense to average assets1.5792%5,935
Loan and lease loss provision to assets0.0357%3,633
Net operating income to assets0.5783%4,389
Return on assets (ROA)0.5783%4,480
Pretax return on assets0.7622%4,329
Return on Equity (ROE)2.5539%5,441
Retained earnings to average equity (ytd only)2.5539%4,249
Net charge-offs to loans0.0457%3,302
Credit loss provision to net charge-offs272.7273%1,063
Earnings coverage of net charge-offs (x)60.9545%859
Efficiency ratio66.4330%3,837
Assets per employee ($millions)9.3587%339
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.7896%5,436
Loan loss allowance to noncurrent loans54.4379%4,760
Noncurrent assets plus other real estate owned to assets0.4607%3,761
Noncurrent loans to loans1.4505%1,611
Net loans and leases to total assets27.4481%5,952
Net loans and leases to deposits35.8977%5,894
Net loans and leases to core deposits38.5378%5,863
Total domestic deposits to total assets76.4621%5,393
Equity capital to assets22.8641%122
Core capital (leverage) ratio22.9097%115
Tier 1 risk-based capital ratio82.0093%51
Total risk-based capital ratio82.8640%51
Memoranda:
Average total assets$168,064,6003,334
Average earning assets$160,167,6003,253
Average equity$38,059,2001,883
Average total loans$48,157,4004,723
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0718%5,739
Cost of funding earning assets0.5980%1,419
Net interest margin2.4737%5,928
Noninterest income to average assets0.0270%6,143
Noninterest expense to average assets1.5820%5,990
Loan and lease loss provision to assets0.0357%3,503
Net operating income to assets0.5755%4,501
Return on assets (ROA)0.5755%4,592
Pretax return on assets0.7700%4,426
Return on Equity (ROE)2.5475%5,539
Retained earnings to average equity (ytd only)2.5475%4,602
Net charge-offs to loans0.0577%2,775
Credit loss provision to net charge-offs214.2857%1,262
Earnings coverage of net charge-offs (x)48.3321%1,080
Efficiency ratio66.2566%3,847
Assets per employee ($millions)9.8614%286
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.7428%5,637
Loan loss allowance to noncurrent loans57.1890%4,772
Noncurrent assets plus other real estate owned to assets0.4289%4,063
Noncurrent loans to loans1.2988%1,967
Net loans and leases to total assets28.2175%6,023
Net loans and leases to deposits36.9339%5,957
Net loans and leases to core deposits39.5576%5,932
Total domestic deposits to total assets76.4000%5,430
Equity capital to assets22.8419%132
Core capital (leverage) ratio22.6154%124
Tier 1 risk-based capital ratio81.6774%56
Total risk-based capital ratio82.5321%56
Memoranda:
Average total assets$167,966,7503,365
Average earning assets$160,294,7503,283
Average equity$37,945,0001,899
Average total loans$48,545,2504,766
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0871%5,756
Cost of funding earning assets0.6017%1,403
Net interest margin2.4854%5,975
Noninterest income to average assets0.0119%6,242
Noninterest expense to average assets1.4577%6,137
Loan and lease loss provision to assets0.0357%3,414
Net operating income to assets0.6592%4,078
Return on assets (ROA)0.6592%4,180
Pretax return on assets0.8877%3,999
Return on Equity (ROE)2.9290%5,424
Retained earnings to average equity (ytd only)2.9290%4,172
Net charge-offs to loans0.0860%2,179
Credit loss provision to net charge-offs142.8571%1,574
Earnings coverage of net charge-offs (x)36.9524%1,187
Efficiency ratio61.2194%4,796
Assets per employee ($millions)10.5225%226
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.7051%5,808
Loan loss allowance to noncurrent loans45.6258%5,127
Noncurrent assets plus other real estate owned to assets0.4508%4,123
Noncurrent loans to loans1.5454%1,713
Net loans and leases to total assets28.3553%6,090
Net loans and leases to deposits37.0067%5,998
Net loans and leases to core deposits39.7087%5,964
Total domestic deposits to total assets76.6221%5,518
Equity capital to assets22.6241%133
Core capital (leverage) ratio22.4941%125
Tier 1 risk-based capital ratio82.6797%56
Total risk-based capital ratio83.5314%55
Memoranda:
Average total assets$168,074,3303,383
Average earning assets$160,214,0003,304
Average equity$37,829,0001,916
Average total loans$48,840,6704,791
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1402%5,737
Cost of funding earning assets0.6041%1,404
Net interest margin2.5361%5,978
Noninterest income to average assets0.0310%6,271
Noninterest expense to average assets1.5101%6,173
Loan and lease loss provision to assets0.0357%3,185
Net operating income to assets0.6717%3,943
Return on assets (ROA)0.6717%4,064
Pretax return on assets0.9051%3,872
Return on Equity (ROE)2.9922%5,380
Retained earnings to average equity (ytd only)2.9922%4,183
Net charge-offs to loans0.1625%1,295
Credit loss provision to net charge-offs75.0000%1,875
Earnings coverage of net charge-offs (x)19.7500%1,437
Efficiency ratio61.6132%4,864
Assets per employee ($millions)9.9276%262
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.6679%5,960
Loan loss allowance to noncurrent loans43.6242%5,190
Noncurrent assets plus other real estate owned to assets0.5078%3,998
Noncurrent loans to loans1.5311%1,835
Net loans and leases to total assets28.6390%6,118
Net loans and leases to deposits37.2611%6,012
Net loans and leases to core deposits39.8786%5,980
Total domestic deposits to total assets76.8602%5,635
Equity capital to assets22.4376%144
Core capital (leverage) ratio22.4250%126
Tier 1 risk-based capital ratio78.7950%69
Total risk-based capital ratio79.5750%70
Memoranda:
Average total assets$167,931,5003,403
Average earning assets$160,247,0003,320
Average equity$37,698,5001,933
Average total loans$49,222,0004,806
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3389%5,640
Cost of funding earning assets0.6450%1,442
Net interest margin2.6939%5,951
Noninterest income to average assets0.0150%6,365
Noninterest expense to average assets1.5173%6,287
Loan and lease loss provision to assets0.0712%3,062
Net operating income to assets0.7296%3,739
Return on assets (ROA)0.7296%3,850
Pretax return on assets1.0014%3,491
Return on Equity (ROE)3.2938%5,378
Retained earnings to average equity (ytd only)3.2938%3,885
Net charge-offs to loans0.2638%1,638
Credit loss provision to net charge-offs88.8060%2,668
Earnings coverage of net charge-offs (x)13.3731%2,272
Efficiency ratio58.5856%5,395
Assets per employee ($millions)9.8290%267
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.6629%6,054
Loan loss allowance to noncurrent loans36.8715%5,464
Noncurrent assets plus other real estate owned to assets0.6051%3,779
Noncurrent loans to loans1.7977%1,599
Net loans and leases to total assets29.5973%6,189
Net loans and leases to deposits38.5107%6,083
Net loans and leases to core deposits41.0531%6,071
Total domestic deposits to total assets76.8548%5,620
Equity capital to assets22.4599%141
Core capital (leverage) ratio22.3409%134
Tier 1 risk-based capital ratio77.5760%61
Total risk-based capital ratio78.3496%61
Memoranda:
Average total assets$167,071,8003,376
Average earning assets$159,693,0003,287
Average equity$37,009,4001,903
Average total loans$50,791,4004,791
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3963%5,600
Cost of funding earning assets0.6486%1,467
Net interest margin2.7478%5,940
Noninterest income to average assets0.0056%6,467
Noninterest expense to average assets1.5403%6,331
Loan and lease loss provision to assets0.0830%2,692
Net operating income to assets0.7350%3,752
Return on assets (ROA)0.7350%3,858
Pretax return on assets1.0096%3,556
Return on Equity (ROE)3.3297%5,417
Retained earnings to average equity (ytd only)3.3297%4,246
Net charge-offs to loans0.2795%1,408
Credit loss provision to net charge-offs97.1963%2,302
Earnings coverage of net charge-offs (x)12.7947%2,285
Efficiency ratio58.5026%5,377
Assets per employee ($millions)9.8584%253
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.6840%6,124
Loan loss allowance to noncurrent loans35.2214%5,583
Noncurrent assets plus other real estate owned to assets0.6414%3,914
Noncurrent loans to loans1.9420%1,646
Net loans and leases to total assets29.6297%6,265
Net loans and leases to deposits38.4604%6,168
Net loans and leases to core deposits40.8992%6,157
Total domestic deposits to total assets77.0395%5,672
Equity capital to assets22.2278%155
Core capital (leverage) ratio22.1182%139
Tier 1 risk-based capital ratio77.0999%61
Total risk-based capital ratio77.9288%61
Memoranda:
Average total assets$167,066,5003,403
Average earning assets$159,736,2503,310
Average equity$36,879,5001,912
Average total loans$51,043,0004,828
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6054%5,136
Cost of funding earning assets0.6545%1,475
Net interest margin2.9509%5,634
Noninterest income to average assets0.0084%6,531
Noninterest expense to average assets1.4429%6,447
Loan and lease loss provision to assets0.0587%3,106
Net operating income to assets0.9335%2,632
Return on assets (ROA)0.9335%2,739
Pretax return on assets1.3326%2,139
Return on Equity (ROE)4.2388%5,043
Retained earnings to average equity (ytd only)4.2388%3,477
Net charge-offs to loans0.0428%3,370
Credit loss provision to net charge-offs445.4545%639
Earnings coverage of net charge-offs (x)105.5455%538
Efficiency ratio50.9091%6,129
Assets per employee ($millions)9.8904%241
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.7570%6,071
Loan loss allowance to noncurrent loans35.5288%5,627
Noncurrent assets plus other real estate owned to assets0.7411%3,745
Noncurrent loans to loans2.1306%1,560
Net loans and leases to total assets29.8639%6,314
Net loans and leases to deposits38.6698%6,200
Net loans and leases to core deposits41.1584%6,185
Total domestic deposits to total assets77.2280%5,775
Equity capital to assets22.0857%145
Core capital (leverage) ratio21.8767%134
Tier 1 risk-based capital ratio75.6635%61
Total risk-based capital ratio76.6231%62
Memoranda:
Average total assets$166,891,3303,422
Average earning assets$159,814,6703,325
Average equity$36,755,3301,912
Average total loans$51,391,0004,843
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8844%4,146
Cost of funding earning assets0.6596%1,518
Net interest margin3.2249%4,839
Noninterest income to average assets0.0072%6,589
Noninterest expense to average assets1.4675%6,518
Loan and lease loss provision to assets0.0361%3,336
Net operating income to assets1.0898%1,854
Return on assets (ROA)1.0898%1,919
Pretax return on assets1.5854%1,204
Return on Equity (ROE)4.9554%4,576
Retained earnings to average equity (ytd only)4.9554%3,138
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.5078%6,376
Assets per employee ($millions)9.9399%239
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.6994%6,282
Loan loss allowance to noncurrent loans31.9432%5,806
Noncurrent assets plus other real estate owned to assets0.6669%4,119
Noncurrent loans to loans2.1895%1,662
Net loans and leases to total assets30.2487%6,344
Net loans and leases to deposits39.0040%6,204
Net loans and leases to core deposits41.6041%6,170
Total domestic deposits to total assets77.5528%5,896
Equity capital to assets21.7897%153
Core capital (leverage) ratio22.0416%135
Tier 1 risk-based capital ratio75.7532%70
Total risk-based capital ratio76.6750%69
Memoranda:
Average total assets$166,269,0003,459
Average earning assets$158,890,0003,358
Average equity$36,566,0001,916
Average total loans$51,789,0004,873
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3204%5,972
Cost of funding earning assets0.6835%1,933
Net interest margin2.6370%6,217
Noninterest income to average assets0.0197%6,614
Noninterest expense to average assets1.4093%6,626
Loan and lease loss provision to assets0.1285%2,706
Net operating income to assets0.7305%3,656
Return on assets (ROA)0.7314%3,737
Pretax return on assets1.0086%3,318
Return on Equity (ROE)3.3343%5,389
Retained earnings to average equity (ytd only)3.3343%3,861
Net charge-offs to loans0.1438%3,363
Credit loss provision to net charge-offs278.6667%812
Earnings coverage of net charge-offs (x)24.6400%1,354
Efficiency ratio55.3731%6,014
Assets per employee ($millions)10.2224%215
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.6621%6,400
Loan loss allowance to noncurrent loans40.1163%5,629
Noncurrent assets plus other real estate owned to assets0.5790%4,502
Noncurrent loans to loans1.6505%2,434
Net loans and leases to total assets31.6455%6,407
Net loans and leases to deposits40.9872%6,272
Net loans and leases to core deposits43.7324%6,239
Total domestic deposits to total assets77.2082%5,940
Equity capital to assets22.2012%139
Core capital (leverage) ratio22.2062%129
Tier 1 risk-based capital ratio76.1950%67
Total risk-based capital ratio77.0539%67
Memoranda:
Average total assets$162,707,4003,518
Average earning assets$155,823,2003,402
Average equity$35,689,4001,928
Average total loans$52,159,8004,883
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3648%5,954
Cost of funding earning assets0.6817%2,088
Net interest margin2.6831%6,203
Noninterest income to average assets0.0131%6,713
Noninterest expense to average assets1.4179%6,684
Loan and lease loss provision to assets0.1592%2,271
Net operating income to assets0.7274%3,713
Return on assets (ROA)0.7286%3,839
Pretax return on assets1.0084%3,474
Return on Equity (ROE)3.3320%5,489
Retained earnings to average equity (ytd only)3.3320%4,309
Net charge-offs to loans0.1865%2,731
Credit loss provision to net charge-offs265.7534%945
Earnings coverage of net charge-offs (x)19.4659%1,630
Efficiency ratio54.8746%6,026
Assets per employee ($millions)10.8701%184
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.6372%6,519
Loan loss allowance to noncurrent loans48.9676%5,265
Noncurrent assets plus other real estate owned to assets0.4532%5,068
Noncurrent loans to loans1.3012%3,232
Net loans and leases to total assets31.7539%6,464
Net loans and leases to deposits41.0753%6,346
Net loans and leases to core deposits43.8299%6,311
Total domestic deposits to total assets77.3065%6,002
Equity capital to assets22.0446%145
Core capital (leverage) ratio22.0504%133
Tier 1 risk-based capital ratio76.5006%66
Total risk-based capital ratio77.2788%64
Memoranda:
Average total assets$162,494,5003,562
Average earning assets$155,687,0003,446
Average equity$35,533,7501,953
Average total loans$52,173,7504,919
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2675%6,138
Cost of funding earning assets0.6838%2,192
Net interest margin2.5837%6,348
Noninterest income to average assets0.0049%6,778
Noninterest expense to average assets1.2815%6,800
Loan and lease loss provision to assets0.1306%2,688
Net operating income to assets0.7775%3,419
Return on assets (ROA)0.7775%3,577
Pretax return on assets1.0696%3,222
Return on Equity (ROE)3.5653%5,395
Retained earnings to average equity (ytd only)3.5653%4,048
Net charge-offs to loans0.2184%2,440
Credit loss provision to net charge-offs185.9649%1,281
Earnings coverage of net charge-offs (x)17.0877%1,625
Efficiency ratio51.6385%6,306
Assets per employee ($millions)10.1739%211
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.5000%6,707
Loan loss allowance to noncurrent loans47.2727%5,326
Noncurrent assets plus other real estate owned to assets0.3846%5,329
Noncurrent loans to loans1.0577%3,819
Net loans and leases to total assets31.7855%6,518
Net loans and leases to deposits41.0275%6,367
Net loans and leases to core deposits43.6836%6,345
Total domestic deposits to total assets77.4736%6,066
Equity capital to assets21.9293%142
Core capital (leverage) ratio21.8700%128
Tier 1 risk-based capital ratio77.0169%60
Total risk-based capital ratio77.6573%60
Memoranda:
Average total assets$162,309,0003,576
Average earning assets$155,593,0003,468
Average equity$35,397,0001,964
Average total loans$52,196,0004,944
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2861%6,177
Cost of funding earning assets0.6835%2,358
Net interest margin2.6026%6,370
Noninterest income to average assets0.0025%6,848
Noninterest expense to average assets1.2488%6,895
Loan and lease loss provision to assets0.2542%1,407
Net operating income to assets0.7281%3,550
Return on assets (ROA)0.7281%3,686
Pretax return on assets0.9897%3,398
Return on Equity (ROE)3.3478%5,414
Retained earnings to average equity (ytd only)3.3478%4,245
Net charge-offs to loans0.4207%1,402
Credit loss provision to net charge-offs187.2727%1,155
Earnings coverage of net charge-offs (x)9.1636%1,877
Efficiency ratio50.0990%6,492
Assets per employee ($millions)10.2879%205
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.5025%6,787
Loan loss allowance to noncurrent loans81.7035%3,895
Noncurrent assets plus other real estate owned to assets0.3147%5,636
Noncurrent loans to loans0.6150%4,909
Net loans and leases to total assets31.1578%6,558
Net loans and leases to deposits39.9676%6,419
Net loans and leases to core deposits42.6629%6,378
Total domestic deposits to total assets77.9578%6,115
Equity capital to assets21.4973%160
Core capital (leverage) ratio21.7073%145
Tier 1 risk-based capital ratio77.0714%68
Total risk-based capital ratio77.6355%67
Memoranda:
Average total assets$162,072,5003,614
Average earning assets$155,078,5003,511
Average equity$35,247,0002,004
Average total loans$52,293,5004,973
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5823%6,248
Cost of funding earning assets0.7974%2,688
Net interest margin2.7849%6,397
Noninterest income to average assets0.0372%6,730
Noninterest expense to average assets1.3182%6,945
Loan and lease loss provision to assets0.0447%5,291
Net operating income to assets0.9403%2,597
Return on assets (ROA)0.9286%2,907
Pretax return on assets1.3268%2,299
Return on Equity (ROE)4.3557%4,996
Retained earnings to average equity (ytd only)4.3557%3,163
Net charge-offs to loans0.0353%5,430
Credit loss provision to net charge-offs378.9474%645
Earnings coverage of net charge-offs (x)117.7895%327
Efficiency ratio48.7050%6,670
Assets per employee ($millions)9.9711%238
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.3978%6,899
Loan loss allowance to noncurrent loans38.0180%5,715
Noncurrent assets plus other real estate owned to assets0.4275%5,422
Noncurrent loans to loans1.0464%4,122
Net loans and leases to total assets33.1137%6,587
Net loans and leases to deposits42.7305%6,434
Net loans and leases to core deposits45.5218%6,398
Total domestic deposits to total assets77.4944%6,165
Equity capital to assets22.0060%153
Core capital (leverage) ratio21.9977%136
Tier 1 risk-based capital ratio76.6296%66
Total risk-based capital ratio77.0948%66
Memoranda:
Average total assets$161,210,4003,604
Average earning assets$154,511,6003,475
Average equity$34,368,8002,014
Average total loans$53,853,2004,946
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6306%6,348
Cost of funding earning assets0.8213%2,762
Net interest margin2.8094%6,487
Noninterest income to average assets0.0346%6,852
Noninterest expense to average assets1.3537%7,017
Loan and lease loss provision to assets0.0569%5,023
Net operating income to assets0.9222%2,867
Return on assets (ROA)0.9066%3,186
Pretax return on assets1.2910%2,638
Return on Equity (ROE)4.2865%5,156
Retained earnings to average equity (ytd only)4.2865%3,876
Net charge-offs to loans0.0469%4,997
Credit loss provision to net charge-offs363.1579%738
Earnings coverage of net charge-offs (x)87.4303%473
Efficiency ratio49.6972%6,612
Assets per employee ($millions)9.5332%275
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.3845%7,017
Loan loss allowance to noncurrent loans46.0177%5,337
Noncurrent assets plus other real estate owned to assets0.3900%5,714
Noncurrent loans to loans0.8356%4,744
Net loans and leases to total assets33.2511%6,691
Net loans and leases to deposits42.7035%6,565
Net loans and leases to core deposits45.6442%6,528
Total domestic deposits to total assets77.8649%6,104
Equity capital to assets21.4329%189
Core capital (leverage) ratio21.4125%157
Tier 1 risk-based capital ratio75.4327%66
Total risk-based capital ratio75.8893%67
Memoranda:
Average total assets$161,628,5003,624
Average earning assets$154,716,2503,508
Average equity$34,184,0002,042
Average total loans$54,056,5004,992
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6800%6,369
Cost of funding earning assets0.8551%2,757
Net interest margin2.8249%6,536
Noninterest income to average assets0.0223%6,939
Noninterest expense to average assets1.2385%7,130
Loan and lease loss provision to assets0.0074%5,562
Net operating income to assets1.0275%2,350
Return on assets (ROA)1.0044%2,661
Pretax return on assets1.4515%2,004
Return on Equity (ROE)4.7705%4,924
Retained earnings to average equity (ytd only)4.7705%3,432
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.3515%6,910
Assets per employee ($millions)10.2339%215
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.3041%7,121
Loan loss allowance to noncurrent loans33.4012%5,998
Noncurrent assets plus other real estate owned to assets0.3292%5,935
Noncurrent loans to loans0.9106%4,678
Net loans and leases to total assets32.8301%6,779
Net loans and leases to deposits41.8528%6,656
Net loans and leases to core deposits44.7204%6,633
Total domestic deposits to total assets78.4418%6,071
Equity capital to assets21.0128%200
Core capital (leverage) ratio21.0118%165
Tier 1 risk-based capital ratio73.5731%66
Total risk-based capital ratio73.9260%68
Memoranda:
Average total assets$161,483,3303,635
Average earning assets$154,839,0003,522
Average equity$34,000,3302,039
Average total loans$54,043,3305,028
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7338%6,384
Cost of funding earning assets0.8905%2,762
Net interest margin2.8433%6,566
Noninterest income to average assets0.0299%7,013
Noninterest expense to average assets1.2447%7,196
Loan and lease loss provision to assets0.0075%5,188
Net operating income to assets1.0524%2,277
Return on assets (ROA)1.0053%2,651
Pretax return on assets1.4343%2,071
Return on Equity (ROE)4.7697%4,898
Retained earnings to average equity (ytd only)4.7697%3,697
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.1993%6,940
Assets per employee ($millions)10.1386%223
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.2994%7,179
Loan loss allowance to noncurrent loans43.7500%5,420
Noncurrent assets plus other real estate owned to assets0.2891%6,165
Noncurrent loans to loans0.6843%5,293
Net loans and leases to total assets33.0520%6,777
Net loans and leases to deposits42.0768%6,654
Net loans and leases to core deposits45.0558%6,616
Total domestic deposits to total assets78.5516%6,176
Equity capital to assets20.9614%183
Core capital (leverage) ratio20.9586%162
Tier 1 risk-based capital ratio72.8929%65
Total risk-based capital ratio73.2467%66
Memoranda:
Average total assets$160,353,5003,679
Average earning assets$153,622,0003,554
Average equity$33,797,0002,049
Average total loans$54,104,5005,066
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0102%6,434
Cost of funding earning assets1.0767%2,829
Net interest margin2.9335%6,634
Noninterest income to average assets0.0363%6,885
Noninterest expense to average assets1.4647%7,188
Loan and lease loss provision to assets0.0272%6,234
Net operating income to assets0.9665%2,336
Return on assets (ROA)0.9665%2,465
Pretax return on assets1.3507%1,949
Return on Equity (ROE)4.5367%4,607
Retained earnings to average equity (ytd only)4.5367%2,943
Net charge-offs to loans0.0724%5,593
Credit loss provision to net charge-offs105.0000%3,262
Earnings coverage of net charge-offs (x)53.1750%527
Efficiency ratio51.5269%6,738
Assets per employee ($millions)9.9056%244
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.2903%7,226
Loan loss allowance to noncurrent loans23.5469%6,491
Noncurrent assets plus other real estate owned to assets0.4871%5,751
Noncurrent loans to loans1.2327%4,306
Net loans and leases to total assets34.2444%6,856
Net loans and leases to deposits43.7567%6,731
Net loans and leases to core deposits46.6356%6,710
Total domestic deposits to total assets78.2611%6,146
Equity capital to assets21.1944%184
Core capital (leverage) ratio21.1944%161
Tier 1 risk-based capital ratio71.9956%63
Total risk-based capital ratio72.3343%66
Memoranda:
Average total assets$154,365,6003,730
Average earning assets$147,672,2003,613
Average equity$32,887,2002,027
Average total loans$55,248,6005,062
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0662%6,480
Cost of funding earning assets1.1016%2,972
Net interest margin2.9646%6,645
Noninterest income to average assets0.0365%6,996
Noninterest expense to average assets1.5869%7,177
Loan and lease loss provision to assets0.0339%6,015
Net operating income to assets0.9000%2,739
Return on assets (ROA)0.9000%2,885
Pretax return on assets1.2495%2,455
Return on Equity (ROE)4.2186%4,907
Retained earnings to average equity (ytd only)4.2186%3,728
Net charge-offs to loans0.0962%5,018
Credit loss provision to net charge-offs97.5000%3,513
Earnings coverage of net charge-offs (x)36.9014%814
Efficiency ratio55.2863%6,364
Assets per employee ($millions)10.3768%222
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.2801%7,296
Loan loss allowance to noncurrent loans37.0813%5,812
Noncurrent assets plus other real estate owned to assets0.3405%6,216
Noncurrent loans to loans0.7553%5,364
Net loans and leases to total assets35.4573%6,890
Net loans and leases to deposits45.3940%6,767
Net loans and leases to core deposits48.0799%6,757
Total domestic deposits to total assets78.1101%6,177
Equity capital to assets21.2962%192
Core capital (leverage) ratio21.2826%168
Tier 1 risk-based capital ratio71.5867%78
Total risk-based capital ratio71.8655%79
Memoranda:
Average total assets$153,334,5003,770
Average earning assets$146,570,2503,653
Average equity$32,711,2502,030
Average total loans$55,452,7505,097
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1162%6,458
Cost of funding earning assets1.1355%2,996
Net interest margin2.9806%6,644
Noninterest income to average assets0.0328%7,110
Noninterest expense to average assets1.0265%7,450
Loan and lease loss provision to assets0.0079%6,163
Net operating income to assets1.2506%1,442
Return on assets (ROA)1.2506%1,514
Pretax return on assets1.8511%789
Return on Equity (ROE)5.8589%4,035
Retained earnings to average equity (ytd only)5.8589%2,512
Net charge-offs to loans0.1262%4,469
Credit loss provision to net charge-offs17.1429%5,174
Earnings coverage of net charge-offs (x)40.5143%734
Efficiency ratio35.5747%7,398
Assets per employee ($millions)10.2515%228
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.2286%7,383
Loan loss allowance to noncurrent loans56.9507%4,607
Noncurrent assets plus other real estate owned to assets0.2179%6,572
Noncurrent loans to loans0.4014%6,099
Net loans and leases to total assets36.0492%6,957
Net loans and leases to deposits46.0978%6,825
Net loans and leases to core deposits48.5327%6,830
Total domestic deposits to total assets78.2016%6,248
Equity capital to assets21.4999%193
Core capital (leverage) ratio21.4927%171
Tier 1 risk-based capital ratio71.9270%80
Total risk-based capital ratio72.1599%81
Memoranda:
Average total assets$152,562,0003,809
Average earning assets$146,009,0003,693
Average equity$32,565,6702,026
Average total loans$55,488,6705,149
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1508%6,394
Cost of funding earning assets1.1722%3,004
Net interest margin2.9787%6,613
Noninterest income to average assets0.0395%7,185
Noninterest expense to average assets1.0056%7,515
Loan and lease loss provision to assets0.0079%5,787
Net operating income to assets1.2425%1,410
Return on assets (ROA)1.2425%1,464
Pretax return on assets1.8690%716
Return on Equity (ROE)5.8419%3,994
Retained earnings to average equity (ytd only)5.8419%2,729
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.8858%7,459
Assets per employee ($millions)10.9671%196
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.2872%7,412
Loan loss allowance to noncurrent loans230.4348%1,298
Noncurrent assets plus other real estate owned to assets0.1485%6,791
Noncurrent loans to loans0.1246%6,737
Net loans and leases to total assets35.9594%7,001
Net loans and leases to deposits45.8054%6,862
Net loans and leases to core deposits48.1050%6,873
Total domestic deposits to total assets78.5046%6,297
Equity capital to assets21.2114%195
Core capital (leverage) ratio21.2093%179
Tier 1 risk-based capital ratio71.1806%77
Total risk-based capital ratio71.4888%78
Memoranda:
Average total assets$151,956,5003,851
Average earning assets$145,031,5003,730
Average equity$32,318,0002,024
Average total loans$55,452,5005,200
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4307%6,559
Cost of funding earning assets1.5919%2,117
Net interest margin2.8388%6,981
Noninterest income to average assets0.0641%7,048
Noninterest expense to average assets1.4119%7,477
Loan and lease loss provision to assets0.0080%6,998
Net operating income to assets1.0110%1,998
Return on assets (ROA)1.0110%2,106
Pretax return on assets1.3658%1,747
Return on Equity (ROE)4.8230%4,147
Retained earnings to average equity (ytd only)4.8230%2,527
Net charge-offs to loans0.0409%6,395
Credit loss provision to net charge-offs52.1739%6,227
Earnings coverage of net charge-offs (x)89.3913%275
Efficiency ratio50.6836%7,076
Assets per employee ($millions)10.7409%210
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.2809%7,492
Loan loss allowance to noncurrent loans152.9412%1,954
Noncurrent assets plus other real estate owned to assets0.1603%6,829
Noncurrent loans to loans0.1837%6,702
Net loans and leases to total assets36.8271%7,121
Net loans and leases to deposits46.9815%6,998
Net loans and leases to core deposits49.1903%7,013
Total domestic deposits to total assets78.3864%6,239
Equity capital to assets21.3256%196
Core capital (leverage) ratio21.3343%187
Tier 1 risk-based capital ratio70.6069%76
Total risk-based capital ratio70.8775%79
Memoranda:
Average total assets$149,657,0003,880
Average earning assets$143,476,4003,750
Average equity$31,370,6002,090
Average total loans$56,219,6005,221
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5075%6,591
Cost of funding earning assets1.6603%2,044
Net interest margin2.8472%7,083
Noninterest income to average assets0.0491%7,275
Noninterest expense to average assets1.5342%7,532
Loan and lease loss provision to assets0.0080%6,942
Net operating income to assets0.9392%2,455
Return on assets (ROA)0.9392%2,588
Pretax return on assets1.2372%2,375
Return on Equity (ROE)4.5004%4,557
Retained earnings to average equity (ytd only)4.5004%3,348
Net charge-offs to loans0.0473%6,055
Credit loss provision to net charge-offs45.0000%5,958
Earnings coverage of net charge-offs (x)69.7897%433
Efficiency ratio55.1990%6,655
Assets per employee ($millions)10.7739%218
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.2792%7,603
Loan loss allowance to noncurrent loans51.8272%4,833
Noncurrent assets plus other real estate owned to assets0.2599%6,721
Noncurrent loans to loans0.5386%6,130
Net loans and leases to total assets36.9453%7,230
Net loans and leases to deposits47.0103%7,132
Net loans and leases to core deposits49.1649%7,152
Total domestic deposits to total assets78.5897%6,121
Equity capital to assets20.9661%234
Core capital (leverage) ratio20.9674%208
Tier 1 risk-based capital ratio69.5542%83
Total risk-based capital ratio69.8467%84
Memoranda:
Average total assets$149,478,0003,933
Average earning assets$143,341,2503,809
Average equity$31,196,2502,117
Average total loans$56,391,0005,296
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6879%6,180
Cost of funding earning assets1.7339%1,948
Net interest margin2.9540%6,930
Noninterest income to average assets0.0429%7,364
Noninterest expense to average assets1.0508%7,764
Loan and lease loss provision to assets0.0081%6,814
Net operating income to assets1.2293%1,488
Return on assets (ROA)1.2293%1,550
Pretax return on assets1.8238%846
Return on Equity (ROE)5.8995%3,853
Retained earnings to average equity (ytd only)5.8995%2,395
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.4525%7,693
Assets per employee ($millions)10.7463%210
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.3098%7,659
Loan loss allowance to noncurrent loans65.7795%4,048
Noncurrent assets plus other real estate owned to assets0.2174%6,854
Noncurrent loans to loans0.4710%6,309
Net loans and leases to total assets36.9982%7,322
Net loans and leases to deposits46.9738%7,204
Net loans and leases to core deposits48.9083%7,253
Total domestic deposits to total assets78.7634%6,096
Equity capital to assets20.9262%241
Core capital (leverage) ratio20.9310%203
Tier 1 risk-based capital ratio68.5457%90
Total risk-based capital ratio68.8852%91
Memoranda:
Average total assets$149,026,0003,969
Average earning assets$143,261,0003,834
Average equity$31,053,6702,121
Average total loans$56,560,6705,331
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7541%6,055
Cost of funding earning assets1.7937%1,905
Net interest margin2.9604%6,918
Noninterest income to average assets0.0512%7,460
Noninterest expense to average assets1.0464%7,869
Loan and lease loss provision to assets0.0081%6,519
Net operating income to assets1.2433%1,417
Return on assets (ROA)1.2433%1,490
Pretax return on assets1.8366%828
Return on Equity (ROE)5.9794%3,892
Retained earnings to average equity (ytd only)5.9794%2,630
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.1940%7,792
Assets per employee ($millions)10.7324%217
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.3008%7,756
Loan loss allowance to noncurrent loans96.5909%2,871
Noncurrent assets plus other real estate owned to assets0.1597%7,079
Noncurrent loans to loans0.3114%6,696
Net loans and leases to total assets37.5014%7,366
Net loans and leases to deposits47.4593%7,257
Net loans and leases to core deposits49.1877%7,315
Total domestic deposits to total assets79.0181%6,073
Equity capital to assets20.6758%255
Core capital (leverage) ratio20.6678%222
Tier 1 risk-based capital ratio65.8774%93
Total risk-based capital ratio66.2381%93
Memoranda:
Average total assets$148,315,0004,036
Average earning assets$142,278,0003,911
Average equity$30,839,0002,154
Average total loans$56,923,0005,388
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1444%5,902
Cost of funding earning assets2.2208%1,942
Net interest margin2.9235%6,816
Noninterest income to average assets0.0427%7,530
Noninterest expense to average assets1.4474%7,828
Loan and lease loss provision to assets0.0084%7,387
Net operating income to assets0.9255%2,091
Return on assets (ROA)0.9255%2,155
Pretax return on assets1.3878%1,462
Return on Equity (ROE)4.4102%3,923
Retained earnings to average equity (ytd only)4.4102%2,160
Net charge-offs to loans0.0171%6,983
Credit loss provision to net charge-offs120.0000%4,455
Earnings coverage of net charge-offs (x)199.3000%141
Efficiency ratio50.8992%7,479
Assets per employee ($millions)10.4555%236
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.3087%7,825
Loan loss allowance to noncurrent loans112.0253%2,514
Noncurrent assets plus other real estate owned to assets0.1079%7,220
Noncurrent loans to loans0.2756%6,739
Net loans and leases to total assets39.0444%7,402
Net loans and leases to deposits49.6072%7,281
Net loans and leases to core deposits58.9166%7,304
Total domestic deposits to total assets78.7070%6,063
Equity capital to assets20.9131%252
Core capital (leverage) ratio20.9024%245
Tier 1 risk-based capital ratio64.5861%97
Total risk-based capital ratio64.9599%99
Memoranda:
Average total assets$142,740,4004,063
Average earning assets$136,751,8003,962
Average equity$29,953,0002,233
Average total loans$58,494,2005,317
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2086%5,842
Cost of funding earning assets2.2921%2,008
Net interest margin2.9164%6,816
Noninterest income to average assets0.0310%7,728
Noninterest expense to average assets1.5887%7,842
Loan and lease loss provision to assets0.0085%7,240
Net operating income to assets0.8094%2,777
Return on assets (ROA)0.8094%2,839
Pretax return on assets1.2268%2,175
Return on Equity (ROE)3.8538%4,437
Retained earnings to average equity (ytd only)3.8538%3,139
Net charge-offs to loans0.0159%6,697
Credit loss provision to net charge-offs128.5714%3,898
Earnings coverage of net charge-offs (x)187.7771%209
Efficiency ratio56.2583%6,963
Assets per employee ($millions)9.6138%297
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.3049%7,909
Loan loss allowance to noncurrent loans57.4675%4,522
Noncurrent assets plus other real estate owned to assets0.2136%6,986
Noncurrent loans to loans0.5306%6,248
Net loans and leases to total assets40.1270%7,461
Net loans and leases to deposits51.0579%7,359
Net loans and leases to core deposits60.4471%7,386
Total domestic deposits to total assets78.5912%5,932
Equity capital to assets20.9165%283
Core capital (leverage) ratio20.9005%265
Tier 1 risk-based capital ratio64.0218%105
Total risk-based capital ratio64.3979%107
Memoranda:
Average total assets$141,831,2504,099
Average earning assets$135,823,7504,010
Average equity$29,788,2502,272
Average total loans$58,785,5005,347
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2493%5,872
Cost of funding earning assets2.3612%2,119
Net interest margin2.8881%6,828
Noninterest income to average assets0.0128%7,902
Noninterest expense to average assets1.1217%8,101
Loan and lease loss provision to assets0.0085%7,115
Net operating income to assets1.1103%1,739
Return on assets (ROA)1.1103%1,818
Pretax return on assets1.6421%1,125
Return on Equity (ROE)5.2792%3,963
Retained earnings to average equity (ytd only)5.2792%2,357
Net charge-offs to loans0.0169%6,287
Credit loss provision to net charge-offs120.0000%3,871
Earnings coverage of net charge-offs (x)232.8000%179
Efficiency ratio40.4604%8,012
Assets per employee ($millions)9.5448%300
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.3043%7,987
Loan loss allowance to noncurrent loans95.1351%3,026
Noncurrent assets plus other real estate owned to assets0.1292%7,237
Noncurrent loans to loans0.3199%6,711
Net loans and leases to total assets40.2683%7,535
Net loans and leases to deposits51.1521%7,424
Net loans and leases to core deposits60.0421%7,450
Total domestic deposits to total assets78.7228%5,889
Equity capital to assets20.9859%331
Core capital (leverage) ratio20.9859%317
Tier 1 risk-based capital ratio64.6526%116
Total risk-based capital ratio65.0313%118
Memoranda:
Average total assets$141,039,3304,157
Average earning assets$134,760,6704,055
Average equity$29,663,3302,292
Average total loans$59,033,0005,376
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2935%5,919
Cost of funding earning assets2.4434%2,128
Net interest margin2.8501%6,875
Noninterest income to average assets-0.0514%8,113
Noninterest expense to average assets1.0231%8,166
Loan and lease loss provision to assets0.0086%6,705
Net operating income to assets1.1688%1,743
Return on assets (ROA)1.1688%1,857
Pretax return on assets1.6403%1,314
Return on Equity (ROE)5.5510%4,231
Retained earnings to average equity (ytd only)5.5510%2,842
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.2888%8,082
Assets per employee ($millions)9.4073%320
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.3053%8,027
Loan loss allowance to noncurrent loans141.2698%2,275
Noncurrent assets plus other real estate owned to assets0.0893%7,326
Noncurrent loans to loans0.2161%6,913
Net loans and leases to total assets41.1863%7,514
Net loans and leases to deposits52.2997%7,384
Net loans and leases to core deposits61.0195%7,419
Total domestic deposits to total assets78.7506%5,808
Equity capital to assets21.0311%362
Core capital (leverage) ratio21.0307%349
Tier 1 risk-based capital ratio63.8729%131
Total risk-based capital ratio64.2560%132
Memoranda:
Average total assets$139,973,0004,187
Average earning assets$133,749,5004,077
Average equity$29,472,0002,317
Average total loans$59,635,0005,377
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6780%6,841
Cost of funding earning assets2.7712%2,826
Net interest margin2.9068%7,140
Noninterest income to average assets0.0772%7,756
Noninterest expense to average assets1.2902%8,122
Loan and lease loss provision to assets0.0185%7,152
Net operating income to assets1.1329%2,017
Return on assets (ROA)1.1329%1,933
Pretax return on assets1.5692%1,484
Return on Equity (ROE)5.2660%4,256
Retained earnings to average equity (ytd only)5.2660%1,877
Net charge-offs to loans0.0016%7,010
Credit loss provision to net charge-offs2,500.0000%185
Earnings coverage of net charge-offs (x)2,140.0000%7
Efficiency ratio44.8311%7,979
Assets per employee ($millions)9.2557%325
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.2870%8,091
Loan loss allowance to noncurrent loans165.0943%2,286
Noncurrent assets plus other real estate owned to assets0.1405%7,020
Noncurrent loans to loans0.1738%6,866
Net loans and leases to total assets43.7920%7,487
Net loans and leases to deposits55.6910%7,342
Net loans and leases to core deposits65.0605%7,395
Total domestic deposits to total assets78.6338%5,507
Equity capital to assets21.0803%395
Core capital (leverage) ratio21.0803%368
Tier 1 risk-based capital ratio62.7025%148
Total risk-based capital ratio63.0774%148
Memoranda:
Average total assets$134,786,2004,190
Average earning assets$129,869,6004,042
Average equity$28,997,6002,333
Average total loans$61,366,2005,206