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The Bank of Carbondale, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6835%4,328
Cost of funding earning assets0.1989%3,473
Net interest margin2.4846%4,213
Noninterest income to average assets0.6556%1,923
Noninterest expense to average assets1.6772%4,331
Loan and lease loss provision to assets-0.8567%4,828
Net operating income to assets1.6279%744
Return on assets (ROA)0.8607%3,219
Pretax return on assets1.1631%2,781
Return on Equity (ROE)6.7973%3,569
Retained earnings to average equity (ytd only)6.0806%2,330
Net charge-offs to loans0.0172%1,939
Credit loss provision to net charge-offs-10,260.8696%4,229
Earnings coverage of net charge-offs (x)153.0000%652
Efficiency ratio56.7637%3,606
Assets per employee ($millions)6.8318%2,045
Cash dividends to net income (ytd only)*10.5441%3,338
Condition Ratios (%)
Loss allowance to loans0.8271%4,219
Loan loss allowance to noncurrent loans57.8038%3,823
Noncurrent assets plus other real estate owned to assets0.8079%741
Noncurrent loans to loans1.4308%649
Net loans and leases to total assets44.3926%3,814
Net loans and leases to deposits51.9930%3,741
Net loans and leases to core deposits52.3174%3,872
Total domestic deposits to total assets85.3819%3,143
Equity capital to assets12.7513%976
Core capital (leverage) ratio12.3511%972
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$275,460,0002,568
Average earning assets$254,890,0002,587
Average equity$34,881,4002,297
Average total loans$133,716,6002,806
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5961%4,503
Cost of funding earning assets0.1942%3,674
Net interest margin2.4020%4,393
Noninterest income to average assets0.7354%1,710
Noninterest expense to average assets1.7241%4,293
Loan and lease loss provision to assets-0.5687%4,891
Net operating income to assets1.5146%1,237
Return on assets (ROA)1.2721%1,969
Pretax return on assets1.5102%1,973
Return on Equity (ROE)10.0634%2,718
Retained earnings to average equity (ytd only)9.1021%1,659
Net charge-offs to loans0.0187%1,684
Credit loss provision to net charge-offs-6,157.8947%4,163
Earnings coverage of net charge-offs (x)133.2105%729
Efficiency ratio58.3580%3,213
Assets per employee ($millions)6.5680%2,195
Cash dividends to net income (ytd only)*9.5529%2,983
Condition Ratios (%)
Loss allowance to loans1.6698%1,176
Loan loss allowance to noncurrent loans35.6333%4,086
Noncurrent assets plus other real estate owned to assets2.3663%137
Noncurrent loans to loans4.6861%87
Net loans and leases to total assets46.5171%3,754
Net loans and leases to deposits54.4629%3,696
Net loans and leases to core deposits54.7065%3,869
Total domestic deposits to total assets85.4106%2,978
Equity capital to assets12.6703%1,103
Core capital (leverage) ratio13.1616%804
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$274,298,7502,595
Average earning assets$253,395,0002,623
Average equity$34,672,5002,336
Average total loans$135,800,0002,812
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6239%4,528
Cost of funding earning assets0.2020%3,732
Net interest margin2.4219%4,403
Noninterest income to average assets0.6988%1,811
Noninterest expense to average assets1.7254%4,321
Loan and lease loss provision to assets-0.8616%4,941
Net operating income to assets1.8328%666
Return on assets (ROA)1.4264%1,560
Pretax return on assets1.6039%1,724
Return on Equity (ROE)11.2938%2,305
Retained earnings to average equity (ytd only)9.8362%1,446
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0028%3,152
Assets per employee ($millions)5.7911%2,814
Cash dividends to net income (ytd only)*12.9066%2,775
Condition Ratios (%)
Loss allowance to loans1.7036%1,045
Loan loss allowance to noncurrent loans33.7939%4,124
Noncurrent assets plus other real estate owned to assets2.5608%129
Noncurrent loans to loans5.0411%82
Net loans and leases to total assets47.6975%3,759
Net loans and leases to deposits56.1415%3,700
Net loans and leases to core deposits56.4035%3,866
Total domestic deposits to total assets84.9594%3,113
Equity capital to assets12.9787%953
Core capital (leverage) ratio12.7234%858
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$271,590,0002,600
Average earning assets$249,551,6672,635
Average equity$34,302,0002,346
Average total loans$136,531,0002,818
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9241%4,225
Cost of funding earning assets0.2114%3,812
Net interest margin2.7126%3,938
Noninterest income to average assets0.7726%1,656
Noninterest expense to average assets1.7236%4,336
Loan and lease loss provision to assets0.1327%1,027
Net operating income to assets1.0320%2,707
Return on assets (ROA)1.0483%2,725
Pretax return on assets1.3963%2,288
Return on Equity (ROE)8.4167%3,210
Retained earnings to average equity (ytd only)5.4572%3,080
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.3303%3,874
Assets per employee ($millions)6.0083%2,595
Cash dividends to net income (ytd only)*35.1617%1,559
Condition Ratios (%)
Loss allowance to loans2.5305%247
Loan loss allowance to noncurrent loans49.3255%4,000
Noncurrent assets plus other real estate owned to assets2.6955%132
Noncurrent loans to loans5.1302%76
Net loans and leases to total assets48.9171%3,719
Net loans and leases to deposits57.0066%3,716
Net loans and leases to core deposits57.2657%3,889
Total domestic deposits to total assets85.8095%2,808
Equity capital to assets12.0261%1,270
Core capital (leverage) ratio12.5365%978
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$271,293,0002,588
Average earning assets$245,959,5002,639
Average equity$33,790,0002,361
Average total loans$138,759,0002,800
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3554%4,260
Cost of funding earning assets0.2892%4,205
Net interest margin3.0663%3,704
Noninterest income to average assets0.7205%1,789
Noninterest expense to average assets1.9876%4,164
Loan and lease loss provision to assets0.1423%2,578
Net operating income to assets1.0502%2,103
Return on assets (ROA)1.1130%1,990
Pretax return on assets1.4821%1,403
Return on Equity (ROE)8.5862%2,559
Retained earnings to average equity (ytd only)8.5862%881
Net charge-offs to loans0.0659%1,838
Credit loss provision to net charge-offs378.9474%1,493
Earnings coverage of net charge-offs (x)41.1474%1,359
Efficiency ratio56.2654%3,954
Assets per employee ($millions)5.6639%2,671
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans2.4638%276
Loan loss allowance to noncurrent loans47.0945%4,056
Noncurrent assets plus other real estate owned to assets2.9132%131
Noncurrent loans to loans5.2316%76
Net loans and leases to total assets50.8595%3,758
Net loans and leases to deposits59.8427%3,774
Net loans and leases to core deposits60.1276%3,938
Total domestic deposits to total assets84.9886%2,764
Equity capital to assets12.8920%1,137
Core capital (leverage) ratio12.8218%944
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$253,018,6002,560
Average earning assets$232,041,6002,588
Average equity$32,797,0002,342
Average total loans$144,128,6002,712
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4361%4,304
Cost of funding earning assets0.3042%4,296
Net interest margin3.1319%3,666
Noninterest income to average assets0.6423%2,013
Noninterest expense to average assets1.9862%4,177
Loan and lease loss provision to assets0.1442%2,577
Net operating income to assets1.0547%2,125
Return on assets (ROA)1.1378%1,975
Pretax return on assets1.5035%1,442
Return on Equity (ROE)8.7649%2,491
Retained earnings to average equity (ytd only)8.7649%1,049
Net charge-offs to loans0.0467%1,947
Credit loss provision to net charge-offs529.4118%1,243
Earnings coverage of net charge-offs (x)56.6471%1,124
Efficiency ratio56.2869%3,881
Assets per employee ($millions)5.3382%2,851
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans2.2908%299
Loan loss allowance to noncurrent loans42.4777%4,147
Noncurrent assets plus other real estate owned to assets3.2932%117
Noncurrent loans to loans5.3930%87
Net loans and leases to total assets55.0172%3,709
Net loans and leases to deposits64.7754%3,728
Net loans and leases to core deposits65.0157%3,951
Total domestic deposits to total assets84.9353%2,470
Equity capital to assets12.8879%1,232
Core capital (leverage) ratio12.8045%1,004
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$249,722,2502,564
Average earning assets$230,141,2502,579
Average equity$32,416,5002,348
Average total loans$145,458,2502,705
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5688%4,316
Cost of funding earning assets0.3268%4,376
Net interest margin3.2420%3,548
Noninterest income to average assets0.6006%2,127
Noninterest expense to average assets2.0043%4,225
Loan and lease loss provision to assets0.1465%2,546
Net operating income to assets1.0777%2,045
Return on assets (ROA)1.0847%2,142
Pretax return on assets1.4461%1,599
Return on Equity (ROE)8.3352%2,619
Retained earnings to average equity (ytd only)8.3352%1,213
Net charge-offs to loans-0.0041%3,957
Credit loss provision to net charge-offs-6,000.0000%4,128
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8630%3,961
Assets per employee ($millions)4.9945%3,178
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans2.2236%323
Loan loss allowance to noncurrent loans43.9963%4,155
Noncurrent assets plus other real estate owned to assets3.1893%136
Noncurrent loans to loans5.0540%110
Net loans and leases to total assets56.5164%3,644
Net loans and leases to deposits66.4646%3,681
Net loans and leases to core deposits66.7123%3,943
Total domestic deposits to total assets85.0324%2,385
Equity capital to assets12.7236%1,268
Core capital (leverage) ratio12.8318%1,063
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$245,772,6672,568
Average earning assets$226,463,3332,579
Average equity$31,985,0002,360
Average total loans$144,850,0002,700
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7925%4,247
Cost of funding earning assets0.3765%4,439
Net interest margin3.4159%3,248
Noninterest income to average assets0.5008%2,545
Noninterest expense to average assets2.0268%4,351
Loan and lease loss provision to assets0.1508%1,890
Net operating income to assets1.1265%1,759
Return on assets (ROA)1.1424%1,815
Pretax return on assets1.4891%1,332
Return on Equity (ROE)8.6727%2,249
Retained earnings to average equity (ytd only)8.6727%1,061
Net charge-offs to loans-0.0028%3,712
Credit loss provision to net charge-offs-9,000.0000%3,956
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5811%4,248
Assets per employee ($millions)4.2921%3,540
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.3008%329
Loan loss allowance to noncurrent loans43.9897%4,181
Noncurrent assets plus other real estate owned to assets3.5124%135
Noncurrent loans to loans5.2303%112
Net loans and leases to total assets59.4691%3,548
Net loans and leases to deposits69.5374%3,628
Net loans and leases to core deposits69.8256%3,891
Total domestic deposits to total assets85.5209%2,203
Equity capital to assets13.8030%1,124
Core capital (leverage) ratio13.2743%1,113
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$238,802,0002,564
Average earning assets$219,910,5002,573
Average equity$31,455,0002,379
Average total loans$142,215,5002,709
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9718%4,322
Cost of funding earning assets0.3621%4,565
Net interest margin3.6097%3,104
Noninterest income to average assets0.4886%2,808
Noninterest expense to average assets2.1018%4,366
Loan and lease loss provision to assets0.5804%208
Net operating income to assets0.8940%3,225
Return on assets (ROA)0.9099%3,252
Pretax return on assets1.1488%3,014
Return on Equity (ROE)7.0329%3,540
Retained earnings to average equity (ytd only)4.1300%2,901
Net charge-offs to loans0.1657%1,218
Credit loss provision to net charge-offs569.0377%536
Earnings coverage of net charge-offs (x)16.7573%2,145
Efficiency ratio55.1512%4,308
Assets per employee ($millions)4.7275%2,922
Cash dividends to net income (ytd only)*41.2758%2,534
Condition Ratios (%)
Loss allowance to loans2.2009%330
Loan loss allowance to noncurrent loans49.3277%4,100
Noncurrent assets plus other real estate owned to assets2.9553%183
Noncurrent loans to loans4.4618%128
Net loans and leases to total assets57.0297%3,846
Net loans and leases to deposits65.6565%3,973
Net loans and leases to core deposits66.2194%4,182
Total domestic deposits to total assets86.8607%1,678
Equity capital to assets12.5771%1,778
Core capital (leverage) ratio13.0433%1,219
Tier 1 risk-based capital ratio21.6429%1,068
Total risk-based capital ratio22.9045%1,037
Memoranda:
Average total assets$234,323,6002,545
Average earning assets$215,671,0002,564
Average equity$30,314,8002,373
Average total loans$144,194,2002,674
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0288%4,301
Cost of funding earning assets0.3532%4,646
Net interest margin3.6756%3,008
Noninterest income to average assets0.4781%2,861
Noninterest expense to average assets2.1217%4,325
Loan and lease loss provision to assets0.5559%213
Net operating income to assets0.9182%3,277
Return on assets (ROA)0.9396%3,275
Pretax return on assets1.2028%2,972
Return on Equity (ROE)7.2093%3,607
Retained earnings to average equity (ytd only)5.6180%2,559
Net charge-offs to loans0.1043%1,428
Credit loss provision to net charge-offs853.9823%414
Earnings coverage of net charge-offs (x)26.6023%1,735
Efficiency ratio55.0605%4,278
Assets per employee ($millions)4.5585%3,112
Cash dividends to net income (ytd only)*22.0725%2,959
Condition Ratios (%)
Loss allowance to loans1.9639%496
Loan loss allowance to noncurrent loans43.4127%4,280
Noncurrent assets plus other real estate owned to assets2.9615%194
Noncurrent loans to loans4.5239%125
Net loans and leases to total assets58.4027%3,836
Net loans and leases to deposits67.0967%3,989
Net loans and leases to core deposits67.6693%4,187
Total domestic deposits to total assets87.0426%1,491
Equity capital to assets12.5585%1,869
Core capital (leverage) ratio13.5496%1,113
Tier 1 risk-based capital ratio21.3780%1,146
Total risk-based capital ratio22.6372%1,119
Memoranda:
Average total assets$231,447,5002,593
Average earning assets$212,530,2502,608
Average equity$30,164,0002,396
Average total loans$144,405,2502,700
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1227%4,106
Cost of funding earning assets0.3514%4,674
Net interest margin3.7713%2,691
Noninterest income to average assets0.4997%2,686
Noninterest expense to average assets2.1638%4,304
Loan and lease loss provision to assets0.5032%230
Net operating income to assets1.0149%2,863
Return on assets (ROA)1.0303%2,885
Pretax return on assets1.3198%2,479
Return on Equity (ROE)7.8024%3,377
Retained earnings to average equity (ytd only)7.4681%1,617
Net charge-offs to loans0.0835%1,526
Credit loss provision to net charge-offs950.0000%360
Earnings coverage of net charge-offs (x)34.0500%1,368
Efficiency ratio54.5394%4,411
Assets per employee ($millions)4.1550%3,635
Cash dividends to net income (ytd only)*4.2845%3,380
Condition Ratios (%)
Loss allowance to loans1.7797%705
Loan loss allowance to noncurrent loans36.6497%4,440
Noncurrent assets plus other real estate owned to assets3.6300%135
Noncurrent loans to loans4.8560%112
Net loans and leases to total assets64.5472%3,281
Net loans and leases to deposits75.9105%3,346
Net loans and leases to core deposits77.0858%3,641
Total domestic deposits to total assets85.0307%2,457
Equity capital to assets14.3042%1,012
Core capital (leverage) ratio13.8468%1,011
Tier 1 risk-based capital ratio20.7061%1,219
Total risk-based capital ratio21.9620%1,193
Memoranda:
Average total assets$226,543,3302,636
Average earning assets$208,309,6702,655
Average equity$29,914,0002,403
Average total loans$143,659,0002,720
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0830%4,168
Cost of funding earning assets0.3404%4,706
Net interest margin3.7426%2,736
Noninterest income to average assets0.5143%2,474
Noninterest expense to average assets2.0899%4,475
Loan and lease loss provision to assets0.3106%411
Net operating income to assets1.2022%2,048
Return on assets (ROA)1.2322%1,986
Pretax return on assets1.6049%1,461
Return on Equity (ROE)9.7083%2,485
Retained earnings to average equity (ytd only)9.7083%1,101
Net charge-offs to loans0.1689%807
Credit loss provision to net charge-offs295.0820%841
Earnings coverage of net charge-offs (x)17.8361%1,646
Efficiency ratio52.6751%4,642
Assets per employee ($millions)4.2117%3,608
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5221%1,269
Loan loss allowance to noncurrent loans31.6305%4,602
Noncurrent assets plus other real estate owned to assets3.5096%153
Noncurrent loans to loans4.8120%125
Net loans and leases to total assets62.5293%3,455
Net loans and leases to deposits72.6467%3,557
Net loans and leases to core deposits73.6051%3,820
Total domestic deposits to total assets86.0731%2,247
Equity capital to assets13.1921%1,351
Core capital (leverage) ratio13.1072%1,219
Tier 1 risk-based capital ratio19.7242%1,392
Total risk-based capital ratio20.9760%1,370
Memoranda:
Average total assets$231,784,0002,628
Average earning assets$213,864,5002,635
Average equity$29,418,0002,444
Average total loans$144,494,0002,745
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9939%4,049
Cost of funding earning assets0.3432%4,326
Net interest margin3.6506%3,220
Noninterest income to average assets0.5228%2,697
Noninterest expense to average assets2.0954%4,577
Loan and lease loss provision to assets0.1847%1,052
Net operating income to assets1.2418%2,008
Return on assets (ROA)1.2425%1,995
Pretax return on assets1.6105%1,437
Return on Equity (ROE)10.2611%2,413
Retained earnings to average equity (ytd only)8.1189%1,180
Net charge-offs to loans0.1996%960
Credit loss provision to net charge-offs148.9362%1,847
Earnings coverage of net charge-offs (x)14.4716%2,377
Efficiency ratio53.8714%4,631
Assets per employee ($millions)4.3729%3,341
Cash dividends to net income (ytd only)*20.8776%3,446
Condition Ratios (%)
Loss allowance to loans1.4380%1,493
Loan loss allowance to noncurrent loans195.5786%2,280
Noncurrent assets plus other real estate owned to assets0.9113%1,521
Noncurrent loans to loans0.7352%2,152
Net loans and leases to total assets60.3463%3,732
Net loans and leases to deposits69.2625%3,880
Net loans and leases to core deposits70.1307%4,108
Total domestic deposits to total assets87.1270%1,718
Equity capital to assets12.2103%1,752
Core capital (leverage) ratio12.3928%1,518
Tier 1 risk-based capital ratio19.1641%1,482
Total risk-based capital ratio20.4149%1,446
Memoranda:
Average total assets$227,450,2002,632
Average earning assets$209,771,6002,638
Average equity$27,540,8002,482
Average total loans$141,297,0002,752
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9648%4,035
Cost of funding earning assets0.3385%4,256
Net interest margin3.6263%3,279
Noninterest income to average assets0.5333%2,660
Noninterest expense to average assets2.0543%4,643
Loan and lease loss provision to assets0.1953%900
Net operating income to assets1.2062%2,217
Return on assets (ROA)1.2062%2,217
Pretax return on assets1.6311%1,487
Return on Equity (ROE)9.9834%2,631
Retained earnings to average equity (ytd only)7.8280%1,734
Net charge-offs to loans0.2449%697
Credit loss provision to net charge-offs127.9070%1,916
Earnings coverage of net charge-offs (x)11.9613%2,483
Efficiency ratio52.9358%4,715
Assets per employee ($millions)3.9731%3,932
Cash dividends to net income (ytd only)*21.5897%2,945
Condition Ratios (%)
Loss allowance to loans1.4140%1,646
Loan loss allowance to noncurrent loans269.1176%1,769
Noncurrent assets plus other real estate owned to assets0.7070%2,081
Noncurrent loans to loans0.5254%2,805
Net loans and leases to total assets64.2275%3,395
Net loans and leases to deposits74.2019%3,575
Net loans and leases to core deposits75.2144%3,858
Total domestic deposits to total assets86.5578%1,943
Equity capital to assets12.7082%1,465
Core capital (leverage) ratio12.9605%1,300
Tier 1 risk-based capital ratio19.7056%1,399
Total risk-based capital ratio20.9569%1,366
Memoranda:
Average total assets$225,278,5002,663
Average earning assets$207,958,0002,667
Average equity$27,217,7502,509
Average total loans$140,476,5002,777
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8900%4,102
Cost of funding earning assets0.3354%4,165
Net interest margin3.5546%3,451
Noninterest income to average assets0.5423%2,612
Noninterest expense to average assets1.9901%4,816
Loan and lease loss provision to assets0.2110%796
Net operating income to assets1.1796%2,282
Return on assets (ROA)1.1796%2,282
Pretax return on assets1.6200%1,440
Return on Equity (ROE)9.9284%2,594
Retained earnings to average equity (ytd only)7.5240%1,836
Net charge-offs to loans0.0515%1,866
Credit loss provision to net charge-offs666.6667%578
Earnings coverage of net charge-offs (x)57.8611%1,022
Efficiency ratio52.0819%4,883
Assets per employee ($millions)4.2014%3,577
Cash dividends to net income (ytd only)*24.2176%2,848
Condition Ratios (%)
Loss allowance to loans1.5213%1,330
Loan loss allowance to noncurrent loans293.4337%1,669
Noncurrent assets plus other real estate owned to assets0.6880%2,174
Noncurrent loans to loans0.5184%2,863
Net loans and leases to total assets62.3572%3,559
Net loans and leases to deposits71.6621%3,738
Net loans and leases to core deposits72.6539%3,971
Total domestic deposits to total assets87.0156%1,833
Equity capital to assets12.2870%1,672
Core capital (leverage) ratio12.5556%1,407
Tier 1 risk-based capital ratio19.4739%1,439
Total risk-based capital ratio20.7261%1,399
Memoranda:
Average total assets$227,531,3302,658
Average earning assets$209,871,0002,674
Average equity$27,033,6702,529
Average total loans$139,847,6702,797
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8060%4,199
Cost of funding earning assets0.3381%4,080
Net interest margin3.4679%3,650
Noninterest income to average assets0.5253%2,657
Noninterest expense to average assets1.9760%4,894
Loan and lease loss provision to assets0.1565%1,155
Net operating income to assets1.1637%2,163
Return on assets (ROA)1.1637%2,176
Pretax return on assets1.5864%1,427
Return on Equity (ROE)9.9589%2,457
Retained earnings to average equity (ytd only)6.7583%2,383
Net charge-offs to loans0.0862%1,292
Credit loss provision to net charge-offs300.0000%809
Earnings coverage of net charge-offs (x)33.4000%1,178
Efficiency ratio53.1338%4,869
Assets per employee ($millions)4.0106%3,960
Cash dividends to net income (ytd only)*32.1375%2,090
Condition Ratios (%)
Loss allowance to loans1.4325%1,719
Loan loss allowance to noncurrent loans167.7284%2,560
Noncurrent assets plus other real estate owned to assets0.6861%2,272
Noncurrent loans to loans0.8541%2,114
Net loans and leases to total assets61.3028%3,619
Net loans and leases to deposits70.1380%3,778
Net loans and leases to core deposits71.1581%4,020
Total domestic deposits to total assets87.4031%1,952
Equity capital to assets11.9393%1,835
Core capital (leverage) ratio12.0228%1,639
Tier 1 risk-based capital ratio19.1955%1,507
Total risk-based capital ratio20.4464%1,461
Memoranda:
Average total assets$229,959,5002,665
Average earning assets$211,772,5002,672
Average equity$26,870,5002,564
Average total loans$139,272,0002,821
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7679%4,157
Cost of funding earning assets0.3287%3,887
Net interest margin3.4391%3,728
Noninterest income to average assets0.5794%2,556
Noninterest expense to average assets2.1793%4,569
Loan and lease loss provision to assets0.1518%1,486
Net operating income to assets0.8670%2,883
Return on assets (ROA)0.8678%2,899
Pretax return on assets1.3986%1,992
Return on Equity (ROE)7.3420%3,101
Retained earnings to average equity (ytd only)-1.2952%5,210
Net charge-offs to loans0.4222%583
Credit loss provision to net charge-offs59.5238%3,222
Earnings coverage of net charge-offs (x)6.0748%3,230
Efficiency ratio58.4506%4,474
Assets per employee ($millions)4.1285%3,771
Cash dividends to net income (ytd only)*117.6412%230
Condition Ratios (%)
Loss allowance to loans1.3978%1,781
Loan loss allowance to noncurrent loans164.0744%2,634
Noncurrent assets plus other real estate owned to assets0.7343%2,128
Noncurrent loans to loans0.8519%2,088
Net loans and leases to total assets58.1832%3,988
Net loans and leases to deposits66.0678%4,184
Net loans and leases to core deposits66.9930%4,366
Total domestic deposits to total assets88.0658%1,466
Equity capital to assets11.4421%2,242
Core capital (leverage) ratio11.3653%2,047
Tier 1 risk-based capital ratio18.4591%1,663
Total risk-based capital ratio19.7092%1,617
Memoranda:
Average total assets$230,581,6002,636
Average earning assets$211,128,0002,651
Average equity$27,254,2002,529
Average total loans$139,276,8002,795
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7492%4,185
Cost of funding earning assets0.3237%3,906
Net interest margin3.4255%3,756
Noninterest income to average assets0.6045%2,452
Noninterest expense to average assets2.0564%4,834
Loan and lease loss provision to assets0.1511%1,379
Net operating income to assets1.0555%2,307
Return on assets (ROA)1.0567%2,338
Pretax return on assets1.5298%1,670
Return on Equity (ROE)8.8671%2,686
Retained earnings to average equity (ytd only)-1.6729%5,405
Net charge-offs to loans0.5386%374
Credit loss provision to net charge-offs46.1812%2,953
Earnings coverage of net charge-offs (x)5.1314%3,147
Efficiency ratio55.0490%4,844
Assets per employee ($millions)4.4168%3,287
Cash dividends to net income (ytd only)*118.8668%172
Condition Ratios (%)
Loss allowance to loans1.3458%2,137
Loan loss allowance to noncurrent loans169.9275%2,534
Noncurrent assets plus other real estate owned to assets0.6376%2,594
Noncurrent loans to loans0.7920%2,377
Net loans and leases to total assets55.6005%4,265
Net loans and leases to deposits62.8687%4,451
Net loans and leases to core deposits63.3235%4,635
Total domestic deposits to total assets88.4391%1,157
Equity capital to assets11.0741%2,789
Core capital (leverage) ratio12.3414%1,491
Tier 1 risk-based capital ratio18.6577%1,693
Total risk-based capital ratio19.9076%1,641
Memoranda:
Average total assets$229,396,0002,669
Average earning assets$209,677,0002,687
Average equity$27,336,2502,546
Average total loans$139,381,0002,806
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8116%3,852
Cost of funding earning assets0.3375%3,720
Net interest margin3.4741%3,492
Noninterest income to average assets0.5953%2,483
Noninterest expense to average assets2.1252%4,732
Loan and lease loss provision to assets0.0627%2,717
Net operating income to assets1.0888%2,031
Return on assets (ROA)1.0912%2,073
Pretax return on assets1.5809%1,402
Return on Equity (ROE)8.9245%2,542
Retained earnings to average equity (ytd only)-4.4952%5,514
Net charge-offs to loans0.5295%366
Credit loss provision to net charge-offs18.9702%2,793
Earnings coverage of net charge-offs (x)4.9648%2,870
Efficiency ratio56.4432%4,773
Assets per employee ($millions)3.9489%4,044
Cash dividends to net income (ytd only)*150.3692%158
Condition Ratios (%)
Loss allowance to loans1.3532%2,157
Loan loss allowance to noncurrent loans119.7452%3,231
Noncurrent assets plus other real estate owned to assets1.4559%1,065
Noncurrent loans to loans1.1300%1,740
Net loans and leases to total assets63.1028%3,500
Net loans and leases to deposits72.5774%3,681
Net loans and leases to core deposits72.9902%4,019
Total domestic deposits to total assets86.9455%1,976
Equity capital to assets12.5070%1,618
Core capital (leverage) ratio12.2226%1,519
Tier 1 risk-based capital ratio18.3549%1,760
Total risk-based capital ratio19.6049%1,722
Memoranda:
Average total assets$223,413,6702,731
Average earning assets$203,854,0002,769
Average equity$27,318,0002,551
Average total loans$139,374,6702,816
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7748%3,850
Cost of funding earning assets0.3403%3,630
Net interest margin3.4345%3,504
Noninterest income to average assets0.5403%2,707
Noninterest expense to average assets2.1101%4,831
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.0687%1,997
Return on assets (ROA)1.0736%2,013
Pretax return on assets1.5557%1,359
Return on Equity (ROE)8.8775%2,472
Retained earnings to average equity (ytd only)3.0224%3,903
Net charge-offs to loans0.3524%520
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)7.1301%2,163
Efficiency ratio57.6737%4,753
Assets per employee ($millions)3.9258%4,139
Cash dividends to net income (ytd only)*65.9539%1,254
Condition Ratios (%)
Loss allowance to loans1.4829%1,756
Loan loss allowance to noncurrent loans92.9476%3,739
Noncurrent assets plus other real estate owned to assets1.3448%1,252
Noncurrent loans to loans1.5954%1,219
Net loans and leases to total assets59.9893%3,789
Net loans and leases to deposits68.7262%3,916
Net loans and leases to core deposits69.0500%4,217
Total domestic deposits to total assets87.2873%2,078
Equity capital to assets12.1114%1,765
Core capital (leverage) ratio12.4666%1,355
Tier 1 risk-based capital ratio18.6672%1,701
Total risk-based capital ratio19.9185%1,651
Memoranda:
Average total assets$226,525,5002,738
Average earning assets$205,679,5002,769
Average equity$27,395,0002,552
Average total loans$139,595,5002,829
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8001%3,914
Cost of funding earning assets0.3490%3,528
Net interest margin3.4511%3,626
Noninterest income to average assets0.5441%2,952
Noninterest expense to average assets2.2173%4,736
Loan and lease loss provision to assets0.0403%3,575
Net operating income to assets1.0510%2,139
Return on assets (ROA)1.0542%2,219
Pretax return on assets1.4707%1,677
Return on Equity (ROE)8.9415%2,448
Retained earnings to average equity (ytd only)3.6047%3,358
Net charge-offs to loans0.2837%970
Credit loss provision to net charge-offs21.7918%3,662
Earnings coverage of net charge-offs (x)8.1453%2,915
Efficiency ratio59.5430%4,657
Assets per employee ($millions)3.8662%4,195
Cash dividends to net income (ytd only)*59.6856%1,803
Condition Ratios (%)
Loss allowance to loans1.9638%706
Loan loss allowance to noncurrent loans118.6586%3,278
Noncurrent assets plus other real estate owned to assets1.4306%1,187
Noncurrent loans to loans1.6550%1,172
Net loans and leases to total assets61.4439%3,664
Net loans and leases to deposits69.8757%3,916
Net loans and leases to core deposits70.1168%4,235
Total domestic deposits to total assets87.9331%1,662
Equity capital to assets11.5861%2,095
Core capital (leverage) ratio11.3039%2,081
Tier 1 risk-based capital ratio17.4754%2,013
Total risk-based capital ratio18.7320%1,970
Memoranda:
Average total assets$223,287,8002,730
Average earning assets$205,731,2002,732
Average equity$26,326,8002,610
Average total loans$145,557,2002,703
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8140%3,882
Cost of funding earning assets0.3390%3,664
Net interest margin3.4750%3,558
Noninterest income to average assets0.5404%2,977
Noninterest expense to average assets2.2219%4,713
Loan and lease loss provision to assets0.0269%3,705
Net operating income to assets1.0366%2,261
Return on assets (ROA)1.0407%2,365
Pretax return on assets1.5082%1,682
Return on Equity (ROE)8.7883%2,613
Retained earnings to average equity (ytd only)4.4169%3,189
Net charge-offs to loans0.3724%598
Credit loss provision to net charge-offs10.9756%3,364
Earnings coverage of net charge-offs (x)6.2391%3,022
Efficiency ratio59.2351%4,657
Assets per employee ($millions)4.4829%3,118
Cash dividends to net income (ytd only)*49.7415%1,894
Condition Ratios (%)
Loss allowance to loans1.9154%833
Loan loss allowance to noncurrent loans137.6900%2,962
Noncurrent assets plus other real estate owned to assets1.2062%1,650
Noncurrent loans to loans1.3911%1,582
Net loans and leases to total assets55.4437%4,367
Net loans and leases to deposits62.3712%4,605
Net loans and leases to core deposits62.7135%4,791
Total domestic deposits to total assets88.8931%966
Equity capital to assets10.6636%3,392
Core capital (leverage) ratio11.5558%1,984
Tier 1 risk-based capital ratio17.3315%2,121
Total risk-based capital ratio18.5878%2,081
Memoranda:
Average total assets$223,049,2502,736
Average earning assets$206,078,5002,737
Average equity$26,413,2502,624
Average total loans$146,810,7502,687
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9776%3,315
Cost of funding earning assets0.3450%3,620
Net interest margin3.6326%2,968
Noninterest income to average assets0.5100%3,124
Noninterest expense to average assets2.3133%4,574
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.0838%2,016
Return on assets (ROA)1.0902%2,121
Pretax return on assets1.5759%1,433
Return on Equity (ROE)8.8612%2,552
Retained earnings to average equity (ytd only)7.4921%1,383
Net charge-offs to loans0.0552%2,407
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)40.8293%1,144
Efficiency ratio59.6237%4,690
Assets per employee ($millions)3.9836%3,940
Cash dividends to net income (ytd only)*15.4506%3,334
Condition Ratios (%)
Loss allowance to loans2.0329%696
Loan loss allowance to noncurrent loans86.9640%3,970
Noncurrent assets plus other real estate owned to assets2.1249%743
Noncurrent loans to loans2.3377%773
Net loans and leases to total assets68.1462%2,755
Net loans and leases to deposits79.8434%2,945
Net loans and leases to core deposits80.3686%3,427
Total domestic deposits to total assets85.3498%2,713
Equity capital to assets12.5099%1,766
Core capital (leverage) ratio12.2789%1,466
Tier 1 risk-based capital ratio16.7924%2,312
Total risk-based capital ratio18.0501%2,259
Memoranda:
Average total assets$213,718,3302,845
Average earning assets$198,260,6702,838
Average equity$26,294,3302,641
Average total loans$148,446,0002,672
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9634%3,353
Cost of funding earning assets0.3426%3,685
Net interest margin3.6208%3,002
Noninterest income to average assets0.4732%3,324
Noninterest expense to average assets2.1651%4,989
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.1327%1,778
Return on assets (ROA)1.1417%1,862
Pretax return on assets1.6750%1,125
Return on Equity (ROE)9.3589%2,261
Retained earnings to average equity (ytd only)6.5882%2,090
Net charge-offs to loans0.0622%1,874
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)38.4783%1,028
Efficiency ratio56.5751%5,139
Assets per employee ($millions)3.7435%4,405
Cash dividends to net income (ytd only)*29.6053%2,380
Condition Ratios (%)
Loss allowance to loans2.0279%780
Loan loss allowance to noncurrent loans164.0751%2,582
Noncurrent assets plus other real estate owned to assets1.3750%1,531
Noncurrent loans to loans1.2360%1,954
Net loans and leases to total assets69.2835%2,460
Net loans and leases to deposits81.2767%2,637
Net loans and leases to core deposits81.7744%3,149
Total domestic deposits to total assets85.2440%3,021
Equity capital to assets12.2942%1,834
Core capital (leverage) ratio12.2066%1,496
Tier 1 risk-based capital ratio16.3735%2,529
Total risk-based capital ratio17.6317%2,481
Memoranda:
Average total assets$213,019,0002,855
Average earning assets$197,304,0002,850
Average equity$25,986,0002,661
Average total loans$147,851,0002,682
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8726%3,797
Cost of funding earning assets0.3796%3,374
Net interest margin3.4930%3,550
Noninterest income to average assets0.5756%2,853
Noninterest expense to average assets2.1718%5,112
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.1158%1,852
Return on assets (ROA)1.1268%1,876
Pretax return on assets1.6441%1,129
Return on Equity (ROE)9.6839%2,141
Retained earnings to average equity (ytd only)8.2693%832
Net charge-offs to loans0.0692%2,856
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)35.3265%1,292
Efficiency ratio57.1535%5,241
Assets per employee ($millions)4.0125%3,918
Cash dividends to net income (ytd only)*14.6077%3,960
Condition Ratios (%)
Loss allowance to loans2.1290%662
Loan loss allowance to noncurrent loans170.9928%2,547
Noncurrent assets plus other real estate owned to assets1.3717%1,530
Noncurrent loans to loans1.2451%1,898
Net loans and leases to total assets66.6432%2,892
Net loans and leases to deposits76.3282%3,212
Net loans and leases to core deposits76.8235%3,681
Total domestic deposits to total assets87.3113%1,979
Equity capital to assets12.1033%1,879
Core capital (leverage) ratio11.6508%1,849
Tier 1 risk-based capital ratio16.9129%2,318
Total risk-based capital ratio18.1722%2,260
Memoranda:
Average total assets$212,635,2002,813
Average earning assets$196,278,4002,817
Average equity$24,742,2002,716
Average total loans$141,523,0002,709
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8491%3,941
Cost of funding earning assets0.3862%3,378
Net interest margin3.4629%3,704
Noninterest income to average assets0.5524%3,037
Noninterest expense to average assets2.1213%5,235
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1150%1,942
Return on assets (ROA)1.1300%1,969
Pretax return on assets1.6523%1,231
Return on Equity (ROE)9.8094%2,175
Retained earnings to average equity (ytd only)8.1763%1,181
Net charge-offs to loans0.1004%2,144
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)24.5283%1,688
Efficiency ratio56.5435%5,280
Assets per employee ($millions)3.9564%3,962
Cash dividends to net income (ytd only)*16.6481%3,350
Condition Ratios (%)
Loss allowance to loans2.1502%715
Loan loss allowance to noncurrent loans177.9514%2,480
Noncurrent assets plus other real estate owned to assets1.3056%1,788
Noncurrent loans to loans1.2083%2,117
Net loans and leases to total assets64.3081%3,259
Net loans and leases to deposits76.0779%3,297
Net loans and leases to core deposits76.5629%3,732
Total domestic deposits to total assets84.5292%3,205
Equity capital to assets11.5646%2,450
Core capital (leverage) ratio11.7466%1,860
Tier 1 risk-based capital ratio16.8191%2,432
Total risk-based capital ratio18.0785%2,390
Memoranda:
Average total assets$212,628,7502,837
Average earning assets$196,440,7502,840
Average equity$24,493,0002,757
Average total loans$140,702,0002,735
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8412%3,913
Cost of funding earning assets0.3947%3,328
Net interest margin3.4464%3,725
Noninterest income to average assets0.4977%3,391
Noninterest expense to average assets2.1264%5,281
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.0758%2,030
Return on assets (ROA)1.0855%2,098
Pretax return on assets1.5888%1,361
Return on Equity (ROE)9.4359%2,328
Retained earnings to average equity (ytd only)8.1998%1,187
Net charge-offs to loans0.0129%3,472
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)184.5556%364
Efficiency ratio57.4539%5,287
Assets per employee ($millions)3.9301%4,017
Cash dividends to net income (ytd only)*13.1004%3,387
Condition Ratios (%)
Loss allowance to loans2.2827%648
Loan loss allowance to noncurrent loans144.8402%2,877
Noncurrent assets plus other real estate owned to assets1.5022%1,639
Noncurrent loans to loans1.5760%1,674
Net loans and leases to total assets65.1890%3,092
Net loans and leases to deposits74.3296%3,453
Net loans and leases to core deposits74.8009%3,880
Total domestic deposits to total assets87.7026%1,790
Equity capital to assets11.8274%2,149
Core capital (leverage) ratio11.6038%1,920
Tier 1 risk-based capital ratio16.4991%2,604
Total risk-based capital ratio17.7601%2,554
Memoranda:
Average total assets$210,970,3302,873
Average earning assets$196,086,6702,860
Average equity$24,269,0002,778
Average total loans$139,932,0002,750
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9352%3,482
Cost of funding earning assets0.4003%3,302
Net interest margin3.5350%3,284
Noninterest income to average assets0.5238%3,132
Noninterest expense to average assets2.1177%5,343
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1524%1,692
Return on assets (ROA)1.1719%1,733
Pretax return on assets1.6957%1,062
Return on Equity (ROE)10.3299%1,855
Retained earnings to average equity (ytd only)10.3299%842
Net charge-offs to loans-0.0085%4,657
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9482%5,518
Assets per employee ($millions)3.8021%4,331
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.2901%712
Loan loss allowance to noncurrent loans158.0149%2,678
Noncurrent assets plus other real estate owned to assets2.0238%1,169
Noncurrent loans to loans1.4493%1,963
Net loans and leases to total assets64.9628%2,945
Net loans and leases to deposits74.4383%3,246
Net loans and leases to core deposits74.9063%3,696
Total domestic deposits to total assets87.2706%2,226
Equity capital to assets11.6859%2,306
Core capital (leverage) ratio11.2660%2,179
Tier 1 risk-based capital ratio15.9491%2,946
Total risk-based capital ratio17.2099%2,882
Memoranda:
Average total assets$212,307,5002,885
Average earning assets$195,871,5002,883
Average equity$24,085,5002,817
Average total loans$140,419,0002,752
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9843%3,782
Cost of funding earning assets0.4543%3,130
Net interest margin3.5300%3,683
Noninterest income to average assets0.3266%4,779
Noninterest expense to average assets2.0918%5,591
Loan and lease loss provision to assets0.0815%2,849
Net operating income to assets0.9302%2,722
Return on assets (ROA)0.9336%2,796
Pretax return on assets1.3720%1,993
Return on Equity (ROE)8.2675%2,986
Retained earnings to average equity (ytd only)-4.4326%6,158
Net charge-offs to loans0.1029%3,031
Credit loss provision to net charge-offs126.7606%1,889
Earnings coverage of net charge-offs (x)22.5211%1,623
Efficiency ratio59.0839%5,335
Assets per employee ($millions)3.8482%4,255
Cash dividends to net income (ytd only)*153.6148%144
Condition Ratios (%)
Loss allowance to loans2.2432%779
Loan loss allowance to noncurrent loans97.3974%3,779
Noncurrent assets plus other real estate owned to assets2.5118%918
Noncurrent loans to loans2.3031%1,131
Net loans and leases to total assets64.3276%3,172
Net loans and leases to deposits75.4900%3,257
Net loans and leases to core deposits76.1644%3,695
Total domestic deposits to total assets85.2135%3,202
Equity capital to assets11.0135%2,882
Core capital (leverage) ratio10.4300%3,024
Tier 1 risk-based capital ratio15.6422%3,162
Total risk-based capital ratio16.8842%3,098
Memoranda:
Average total assets$220,765,0002,772
Average earning assets$200,990,0002,796
Average equity$24,928,8002,667
Average total loans$138,018,8002,737
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9305%4,048
Cost of funding earning assets0.4617%3,135
Net interest margin3.4688%3,947
Noninterest income to average assets0.4527%3,876
Noninterest expense to average assets2.0773%5,625
Loan and lease loss provision to assets0.1081%2,235
Net operating income to assets0.9647%2,625
Return on assets (ROA)0.9660%2,684
Pretax return on assets1.4085%1,978
Return on Equity (ROE)8.5037%2,945
Retained earnings to average equity (ytd only)7.5736%1,544
Net charge-offs to loans0.1333%2,455
Credit loss provision to net charge-offs131.3869%1,762
Earnings coverage of net charge-offs (x)18.4163%1,841
Efficiency ratio57.8305%5,467
Assets per employee ($millions)4.2777%3,338
Cash dividends to net income (ytd only)*10.9384%3,530
Condition Ratios (%)
Loss allowance to loans2.2436%885
Loan loss allowance to noncurrent loans54.6953%4,964
Noncurrent assets plus other real estate owned to assets3.5542%595
Noncurrent loans to loans4.1020%501
Net loans and leases to total assets59.0032%3,935
Net loans and leases to deposits66.7539%4,257
Net loans and leases to core deposits67.5382%4,551
Total domestic deposits to total assets88.3892%1,559
Equity capital to assets11.1050%2,856
Core capital (leverage) ratio11.7288%1,892
Tier 1 risk-based capital ratio16.8269%2,679
Total risk-based capital ratio18.0685%2,628
Memoranda:
Average total assets$222,081,2502,781
Average earning assets$200,986,2502,818
Average equity$25,227,5002,648
Average total loans$137,071,7502,763
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9830%3,799
Cost of funding earning assets0.4676%3,132
Net interest margin3.5154%3,717
Noninterest income to average assets0.3684%4,494
Noninterest expense to average assets2.0020%5,839
Loan and lease loss provision to assets0.1103%2,183
Net operating income to assets0.9922%2,351
Return on assets (ROA)0.9941%2,416
Pretax return on assets1.4498%1,713
Return on Equity (ROE)8.6811%2,736
Retained earnings to average equity (ytd only)7.2690%1,635
Net charge-offs to loans0.2954%1,359
Credit loss provision to net charge-offs60.0000%2,640
Earnings coverage of net charge-offs (x)8.4750%2,488
Efficiency ratio56.2468%5,718
Assets per employee ($millions)3.9079%4,044
Cash dividends to net income (ytd only)*16.2662%3,290
Condition Ratios (%)
Loss allowance to loans2.2291%985
Loan loss allowance to noncurrent loans53.2696%5,043
Noncurrent assets plus other real estate owned to assets3.8178%584
Noncurrent loans to loans4.1845%558
Net loans and leases to total assets61.3903%3,505
Net loans and leases to deposits69.9552%3,828
Net loans and leases to core deposits70.8412%4,166
Total domestic deposits to total assets87.7566%2,055
Equity capital to assets11.7065%2,236
Core capital (leverage) ratio11.6342%1,894
Tier 1 risk-based capital ratio17.3185%2,494
Total risk-based capital ratio18.5597%2,455
Memoranda:
Average total assets$217,684,3302,838
Average earning assets$197,589,0002,863
Average equity$24,927,6702,667
Average total loans$135,427,6702,788
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0094%3,644
Cost of funding earning assets0.4757%3,170
Net interest margin3.5337%3,555
Noninterest income to average assets0.4680%3,650
Noninterest expense to average assets2.0267%5,833
Loan and lease loss provision to assets0.1105%2,097
Net operating income to assets1.0556%1,982
Return on assets (ROA)1.0594%2,040
Pretax return on assets1.5255%1,352
Return on Equity (ROE)9.3564%2,310
Retained earnings to average equity (ytd only)9.3564%1,145
Net charge-offs to loans0.0268%3,034
Credit loss provision to net charge-offs666.6667%422
Earnings coverage of net charge-offs (x)98.3333%465
Efficiency ratio55.4156%5,882
Assets per employee ($millions)4.0578%3,805
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.3881%928
Loan loss allowance to noncurrent loans50.7145%5,177
Noncurrent assets plus other real estate owned to assets3.8588%638
Noncurrent loans to loans4.7090%495
Net loans and leases to total assets58.4956%3,764
Net loans and leases to deposits66.2941%4,060
Net loans and leases to core deposits67.0011%4,399
Total domestic deposits to total assets88.2365%2,089
Equity capital to assets11.1909%2,534
Core capital (leverage) ratio11.3864%2,062
Tier 1 risk-based capital ratio17.4598%2,486
Total risk-based capital ratio18.7219%2,455
Memoranda:
Average total assets$217,104,5002,858
Average earning assets$195,939,5002,899
Average equity$24,582,0002,684
Average total loans$134,435,5002,821
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0589%3,887
Cost of funding earning assets0.4987%3,627
Net interest margin3.5602%3,634
Noninterest income to average assets0.5173%3,654
Noninterest expense to average assets2.1907%5,651
Loan and lease loss provision to assets0.0915%3,277
Net operating income to assets1.0290%2,205
Return on assets (ROA)1.0355%2,246
Pretax return on assets1.5049%1,435
Return on Equity (ROE)9.3093%2,410
Retained earnings to average equity (ytd only)6.9503%1,452
Net charge-offs to loans0.3991%1,695
Credit loss provision to net charge-offs36.3806%4,116
Earnings coverage of net charge-offs (x)6.3078%3,089
Efficiency ratio57.9896%5,737
Assets per employee ($millions)3.9817%3,899
Cash dividends to net income (ytd only)*25.3400%3,493
Condition Ratios (%)
Loss allowance to loans2.3260%1,015
Loan loss allowance to noncurrent loans94.9260%3,747
Noncurrent assets plus other real estate owned to assets2.6655%1,258
Noncurrent loans to loans2.4503%1,557
Net loans and leases to total assets62.5429%3,291
Net loans and leases to deposits71.1196%3,639
Net loans and leases to core deposits71.9199%4,082
Total domestic deposits to total assets87.9405%2,209
Equity capital to assets11.4620%2,197
Core capital (leverage) ratio11.2467%2,158
Tier 1 risk-based capital ratio17.1929%2,527
Total risk-based capital ratio18.4543%2,501
Memoranda:
Average total assets$213,035,6002,879
Average earning assets$195,102,2002,886
Average equity$23,696,8002,752
Average total loans$134,296,4002,787
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0042%4,117
Cost of funding earning assets0.4949%3,817
Net interest margin3.5093%3,840
Noninterest income to average assets0.5139%3,712
Noninterest expense to average assets2.0911%5,850
Loan and lease loss provision to assets0.0843%3,373
Net operating income to assets1.0586%2,154
Return on assets (ROA)1.0671%2,216
Pretax return on assets1.5697%1,417
Return on Equity (ROE)9.6658%2,325
Retained earnings to average equity (ytd only)7.6297%1,576
Net charge-offs to loans0.3928%1,634
Credit loss provision to net charge-offs34.1772%3,819
Earnings coverage of net charge-offs (x)6.6557%2,928
Efficiency ratio56.0221%5,899
Assets per employee ($millions)4.1608%3,500
Cash dividends to net income (ytd only)*21.0650%3,056
Condition Ratios (%)
Loss allowance to loans2.4392%999
Loan loss allowance to noncurrent loans83.8928%3,934
Noncurrent assets plus other real estate owned to assets2.6160%1,446
Noncurrent loans to loans2.9075%1,408
Net loans and leases to total assets58.4745%3,928
Net loans and leases to deposits65.9060%4,319
Net loans and leases to core deposits66.6948%4,651
Total domestic deposits to total assets88.7242%1,709
Equity capital to assets10.8314%2,931
Core capital (leverage) ratio11.4427%2,088
Tier 1 risk-based capital ratio17.4806%2,516
Total risk-based capital ratio18.7437%2,476
Memoranda:
Average total assets$213,537,5002,907
Average earning assets$195,858,2502,902
Average equity$23,574,0002,795
Average total loans$134,089,0002,803
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0021%4,099
Cost of funding earning assets0.5031%3,870
Net interest margin3.4990%3,786
Noninterest income to average assets0.4810%3,956
Noninterest expense to average assets2.1173%5,836
Loan and lease loss provision to assets0.0426%4,108
Net operating income to assets1.0496%2,113
Return on assets (ROA)1.0625%2,185
Pretax return on assets1.5672%1,446
Return on Equity (ROE)9.5611%2,391
Retained earnings to average equity (ytd only)6.4934%2,150
Net charge-offs to loans0.1410%2,970
Credit loss provision to net charge-offs47.3684%3,265
Earnings coverage of net charge-offs (x)17.6842%1,592
Efficiency ratio57.0991%5,842
Assets per employee ($millions)3.8413%4,130
Cash dividends to net income (ytd only)*32.0856%2,587
Condition Ratios (%)
Loss allowance to loans2.4769%1,006
Loan loss allowance to noncurrent loans59.3194%4,822
Noncurrent assets plus other real estate owned to assets2.7529%1,506
Noncurrent loans to loans4.1756%901
Net loans and leases to total assets63.9965%2,914
Net loans and leases to deposits74.1379%3,132
Net loans and leases to core deposits75.1754%3,649
Total domestic deposits to total assets86.3209%3,192
Equity capital to assets11.0654%2,693
Core capital (leverage) ratio11.2525%2,128
Tier 1 risk-based capital ratio16.4484%2,960
Total risk-based capital ratio17.6924%2,921
Memoranda:
Average total assets$211,208,3302,946
Average earning assets$194,796,3302,931
Average equity$23,470,0002,825
Average total loans$134,727,0002,789
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9613%4,260
Cost of funding earning assets0.5124%3,948
Net interest margin3.4489%3,915
Noninterest income to average assets0.2898%5,385
Noninterest expense to average assets2.0021%6,100
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.9984%2,229
Return on assets (ROA)1.0228%2,247
Pretax return on assets1.4983%1,558
Return on Equity (ROE)9.1852%2,401
Retained earnings to average equity (ytd only)9.1852%1,323
Net charge-offs to loans-0.0512%6,151
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7911%5,873
Assets per employee ($millions)3.9486%4,068
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.6702%945
Loan loss allowance to noncurrent loans56.1508%4,887
Noncurrent assets plus other real estate owned to assets2.9682%1,514
Noncurrent loans to loans4.7554%834
Net loans and leases to total assets59.8484%3,455
Net loans and leases to deposits68.4149%3,719
Net loans and leases to core deposits68.8178%4,205
Total domestic deposits to total assets87.4786%2,641
Equity capital to assets11.1290%2,814
Core capital (leverage) ratio11.2747%2,038
Tier 1 risk-based capital ratio16.2122%3,150
Total risk-based capital ratio17.4107%3,130
Memoranda:
Average total assets$211,177,0002,967
Average earning assets$194,382,5002,965
Average equity$23,516,0002,853
Average total loans$132,770,5002,844
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2933%4,214
Cost of funding earning assets0.7191%3,335
Net interest margin3.5743%4,209
Noninterest income to average assets0.6066%3,245
Noninterest expense to average assets2.0928%6,145
Loan and lease loss provision to assets0.3016%2,266
Net operating income to assets1.0500%2,123
Return on assets (ROA)1.0587%2,283
Pretax return on assets1.5471%1,531
Return on Equity (ROE)9.6318%2,346
Retained earnings to average equity (ytd only)8.2934%1,035
Net charge-offs to loans0.2554%3,411
Credit loss provision to net charge-offs183.5821%1,432
Earnings coverage of net charge-offs (x)11.1761%2,063
Efficiency ratio53.2701%6,350
Assets per employee ($millions)4.0217%3,903
Cash dividends to net income (ytd only)*13.8953%3,959
Condition Ratios (%)
Loss allowance to loans2.5917%1,025
Loan loss allowance to noncurrent loans58.9210%4,704
Noncurrent assets plus other real estate owned to assets2.9489%1,608
Noncurrent loans to loans4.3987%986
Net loans and leases to total assets62.6141%3,147
Net loans and leases to deposits71.7001%3,458
Net loans and leases to core deposits72.1298%4,028
Total domestic deposits to total assets87.3278%2,629
Equity capital to assets11.1425%2,797
Core capital (leverage) ratio11.2080%2,086
Tier 1 risk-based capital ratio15.5160%3,413
Total risk-based capital ratio16.7149%3,410
Memoranda:
Average total assets$203,933,2003,004
Average earning assets$189,549,8002,967
Average equity$22,415,4002,928
Average total loans$131,173,2002,865
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3140%4,402
Cost of funding earning assets0.7385%3,445
Net interest margin3.5755%4,338
Noninterest income to average assets0.5968%3,296
Noninterest expense to average assets2.1009%6,161
Loan and lease loss provision to assets0.2685%2,430
Net operating income to assets1.0732%2,197
Return on assets (ROA)1.0850%2,348
Pretax return on assets1.5765%1,654
Return on Equity (ROE)9.9064%2,386
Retained earnings to average equity (ytd only)8.1042%1,573
Net charge-offs to loans0.3488%2,706
Credit loss provision to net charge-offs119.6481%2,422
Earnings coverage of net charge-offs (x)8.1465%2,499
Efficiency ratio53.4751%6,306
Assets per employee ($millions)3.8429%4,208
Cash dividends to net income (ytd only)*18.1929%3,128
Condition Ratios (%)
Loss allowance to loans2.4566%1,259
Loan loss allowance to noncurrent loans56.7389%4,815
Noncurrent assets plus other real estate owned to assets2.9616%1,766
Noncurrent loans to loans4.3296%1,121
Net loans and leases to total assets63.7694%3,062
Net loans and leases to deposits74.1934%3,254
Net loans and leases to core deposits74.6570%3,897
Total domestic deposits to total assets85.9502%3,283
Equity capital to assets11.2635%2,967
Core capital (leverage) ratio11.0009%2,380
Tier 1 risk-based capital ratio15.3858%3,602
Total risk-based capital ratio16.5824%3,586
Memoranda:
Average total assets$202,634,7503,046
Average earning assets$188,838,0003,003
Average equity$22,193,7502,977
Average total loans$130,359,7502,911
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2692%4,690
Cost of funding earning assets0.7481%3,616
Net interest margin3.5211%4,588
Noninterest income to average assets0.5596%3,526
Noninterest expense to average assets2.0723%6,289
Loan and lease loss provision to assets0.2551%2,538
Net operating income to assets1.0500%2,250
Return on assets (ROA)1.0500%2,480
Pretax return on assets1.5315%1,774
Return on Equity (ROE)9.6789%2,494
Retained earnings to average equity (ytd only)6.9447%2,133
Net charge-offs to loans0.1066%4,115
Credit loss provision to net charge-offs373.9130%798
Earnings coverage of net charge-offs (x)26.1884%1,175
Efficiency ratio53.7023%6,342
Assets per employee ($millions)3.8130%4,280
Cash dividends to net income (ytd only)*28.2486%2,688
Condition Ratios (%)
Loss allowance to loans2.5742%1,179
Loan loss allowance to noncurrent loans93.9629%3,367
Noncurrent assets plus other real estate owned to assets1.8200%3,013
Noncurrent loans to loans2.7396%2,194
Net loans and leases to total assets63.5437%3,134
Net loans and leases to deposits73.4889%3,382
Net loans and leases to core deposits73.9472%4,042
Total domestic deposits to total assets86.4670%3,092
Equity capital to assets11.0836%3,033
Core capital (leverage) ratio10.7891%2,491
Tier 1 risk-based capital ratio14.9497%3,798
Total risk-based capital ratio16.1477%3,783
Memoranda:
Average total assets$202,287,6703,059
Average earning assets$189,542,3303,001
Average equity$21,944,6702,989
Average total loans$129,428,3302,937
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2634%4,879
Cost of funding earning assets0.7610%3,782
Net interest margin3.5024%4,686
Noninterest income to average assets0.5060%3,873
Noninterest expense to average assets2.0930%6,282
Loan and lease loss provision to assets0.2589%2,387
Net operating income to assets0.9783%2,564
Return on assets (ROA)0.9783%2,769
Pretax return on assets1.4467%2,032
Return on Equity (ROE)9.1171%2,778
Retained earnings to average equity (ytd only)9.1171%1,546
Net charge-offs to loans0.1216%3,380
Credit loss provision to net charge-offs335.8974%892
Earnings coverage of net charge-offs (x)22.1282%1,136
Efficiency ratio55.0989%6,215
Assets per employee ($millions)4.0347%3,931
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5963%1,230
Loan loss allowance to noncurrent loans69.2728%4,071
Noncurrent assets plus other real estate owned to assets2.3497%2,536
Noncurrent loans to loans3.7479%1,659
Net loans and leases to total assets60.0935%3,645
Net loans and leases to deposits69.5273%3,799
Net loans and leases to core deposits70.2813%4,374
Total domestic deposits to total assets86.4315%3,286
Equity capital to assets10.6857%3,286
Core capital (leverage) ratio10.6875%2,558
Tier 1 risk-based capital ratio15.5196%3,436
Total risk-based capital ratio16.7147%3,437
Memoranda:
Average total assets$202,386,0003,081
Average earning assets$190,271,0003,013
Average equity$21,717,5003,007
Average total loans$128,238,0002,974
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7541%4,012
Cost of funding earning assets0.8458%4,496
Net interest margin3.9082%3,301
Noninterest income to average assets0.5471%3,531
Noninterest expense to average assets2.1381%6,413
Loan and lease loss provision to assets0.2664%3,554
Net operating income to assets1.1877%1,535
Return on assets (ROA)1.1884%1,651
Pretax return on assets1.7862%827
Return on Equity (ROE)11.4655%1,568
Retained earnings to average equity (ytd only)11.4655%351
Net charge-offs to loans0.0449%5,858
Credit loss provision to net charge-offs866.6667%258
Earnings coverage of net charge-offs (x)66.7500%445
Efficiency ratio51.0331%6,773
Assets per employee ($millions)3.7547%4,423
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.4737%1,353
Loan loss allowance to noncurrent loans68.7849%4,108
Noncurrent assets plus other real estate owned to assets2.5136%2,419
Noncurrent loans to loans3.5962%1,775
Net loans and leases to total assets63.4776%3,295
Net loans and leases to deposits73.7051%3,544
Net loans and leases to core deposits74.4804%4,180
Total domestic deposits to total assets86.1237%3,246
Equity capital to assets10.7773%3,217
Core capital (leverage) ratio10.5790%2,634
Tier 1 risk-based capital ratio14.9354%3,677
Total risk-based capital ratio16.1308%3,684
Memoranda:
Average total assets$195,221,0003,111
Average earning assets$181,949,0003,064
Average equity$20,234,6003,100
Average total loans$133,596,4002,930
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8125%3,973
Cost of funding earning assets0.8474%4,791
Net interest margin3.9651%3,074
Noninterest income to average assets0.5133%3,772
Noninterest expense to average assets2.1035%6,501
Loan and lease loss provision to assets0.2539%3,471
Net operating income to assets1.2550%1,503
Return on assets (ROA)1.2573%1,601
Pretax return on assets1.8523%856
Return on Equity (ROE)12.2550%1,475
Retained earnings to average equity (ytd only)12.2550%475
Net charge-offs to loans0.0604%5,363
Credit loss provision to net charge-offs606.5574%443
Earnings coverage of net charge-offs (x)50.2303%643
Efficiency ratio50.0082%6,827
Assets per employee ($millions)3.8608%4,166
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.2529%1,768
Loan loss allowance to noncurrent loans67.3803%4,081
Noncurrent assets plus other real estate owned to assets2.4282%2,655
Noncurrent loans to loans3.3436%2,063
Net loans and leases to total assets65.9775%2,906
Net loans and leases to deposits76.9538%3,173
Net loans and leases to core deposits78.0672%3,902
Total domestic deposits to total assets85.7365%3,358
Equity capital to assets10.4705%3,741
Core capital (leverage) ratio10.7569%2,608
Tier 1 risk-based capital ratio14.2787%4,141
Total risk-based capital ratio15.4735%4,146
Memoranda:
Average total assets$194,276,0003,141
Average earning assets$180,942,2503,097
Average equity$19,931,5003,153
Average total loans$134,614,2502,929
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8381%3,918
Cost of funding earning assets0.8529%5,041
Net interest margin3.9852%2,911
Noninterest income to average assets0.5403%3,557
Noninterest expense to average assets2.0977%6,596
Loan and lease loss provision to assets0.2707%3,230
Net operating income to assets1.2812%1,366
Return on assets (ROA)1.2763%1,445
Pretax return on assets1.8958%714
Return on Equity (ROE)12.5305%1,330
Retained earnings to average equity (ytd only)12.5305%451
Net charge-offs to loans0.0998%4,683
Credit loss provision to net charge-offs388.0597%777
Earnings coverage of net charge-offs (x)31.1642%892
Efficiency ratio49.1104%6,999
Assets per employee ($millions)3.5285%4,866
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2467%1,826
Loan loss allowance to noncurrent loans70.8223%3,906
Noncurrent assets plus other real estate owned to assets2.5207%2,642
Noncurrent loans to loans3.1724%2,259
Net loans and leases to total assets67.0655%2,812
Net loans and leases to deposits78.6163%3,020
Net loans and leases to core deposits79.6934%3,831
Total domestic deposits to total assets85.3075%3,724
Equity capital to assets10.6645%3,319
Core capital (leverage) ratio10.4753%2,738
Tier 1 risk-based capital ratio14.5030%3,785
Total risk-based capital ratio15.6946%3,798
Memoranda:
Average total assets$192,113,3303,196
Average earning assets$179,865,0003,137
Average equity$19,568,3303,189
Average total loans$134,315,0002,956
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8134%3,999
Cost of funding earning assets0.8579%5,230
Net interest margin3.9555%2,891
Noninterest income to average assets0.5391%3,588
Noninterest expense to average assets2.0964%6,644
Loan and lease loss provision to assets0.3110%2,680
Net operating income to assets1.2457%1,396
Return on assets (ROA)1.2359%1,493
Pretax return on assets1.8268%777
Return on Equity (ROE)12.4215%1,348
Retained earnings to average equity (ytd only)12.4215%674
Net charge-offs to loans0.1793%3,418
Credit loss provision to net charge-offs245.9016%1,277
Earnings coverage of net charge-offs (x)17.0164%1,237
Efficiency ratio49.3411%7,040
Assets per employee ($millions)3.6374%4,681
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.0555%2,278
Loan loss allowance to noncurrent loans103.8095%2,769
Noncurrent assets plus other real estate owned to assets1.7447%3,645
Noncurrent loans to loans1.9800%3,598
Net loans and leases to total assets68.7520%2,391
Net loans and leases to deposits80.4123%2,633
Net loans and leases to core deposits82.2479%3,424
Total domestic deposits to total assets85.4994%3,782
Equity capital to assets9.9089%3,889
Core capital (leverage) ratio10.1136%3,011
Tier 1 risk-based capital ratio13.3260%4,556
Total risk-based capital ratio14.5188%4,579
Memoranda:
Average total assets$192,900,5003,207
Average earning assets$180,913,5003,130
Average equity$19,192,5003,231
Average total loans$136,111,0002,966
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9303%4,875
Cost of funding earning assets1.2153%4,454
Net interest margin3.7149%4,288
Noninterest income to average assets0.5631%3,719
Noninterest expense to average assets2.2484%6,484
Loan and lease loss provision to assets0.2966%4,425
Net operating income to assets0.9727%2,128
Return on assets (ROA)0.9799%2,220
Pretax return on assets1.4545%1,500
Return on Equity (ROE)9.9478%1,948
Retained earnings to average equity (ytd only)7.7688%1,052
Net charge-offs to loans0.2561%4,753
Credit loss provision to net charge-offs172.9560%1,947
Earnings coverage of net charge-offs (x)10.1478%1,749
Efficiency ratio56.3683%6,549
Assets per employee ($millions)3.5732%4,768
Cash dividends to net income (ytd only)*21.9042%3,378
Condition Ratios (%)
Loss allowance to loans2.0425%2,197
Loan loss allowance to noncurrent loans93.1749%3,074
Noncurrent assets plus other real estate owned to assets1.9247%3,444
Noncurrent loans to loans2.1921%3,324
Net loans and leases to total assets69.4902%2,664
Net loans and leases to deposits81.5312%2,902
Net loans and leases to core deposits83.2018%3,719
Total domestic deposits to total assets85.2314%3,738
Equity capital to assets9.9914%3,749
Core capital (leverage) ratio9.8935%3,217
Tier 1 risk-based capital ratio13.1660%4,476
Total risk-based capital ratio14.3573%4,481
Memoranda:
Average total assets$185,418,2003,291
Average earning assets$170,985,0003,264
Average equity$18,265,4003,386
Average total loans$124,170,0003,231
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9547%5,016
Cost of funding earning assets1.2873%4,311
Net interest margin3.6675%4,556
Noninterest income to average assets0.5603%3,710
Noninterest expense to average assets2.2505%6,462
Loan and lease loss provision to assets0.2892%4,265
Net operating income to assets0.9066%2,579
Return on assets (ROA)0.9160%2,693
Pretax return on assets1.4047%1,868
Return on Equity (ROE)9.3324%2,375
Retained earnings to average equity (ytd only)6.4009%2,138
Net charge-offs to loans0.3387%3,949
Credit loss provision to net charge-offs129.4498%3,127
Earnings coverage of net charge-offs (x)7.5178%2,313
Efficiency ratio57.2664%6,381
Assets per employee ($millions)3.5367%4,889
Cash dividends to net income (ytd only)*31.4126%2,480
Condition Ratios (%)
Loss allowance to loans2.1020%1,993
Loan loss allowance to noncurrent loans138.0170%2,050
Noncurrent assets plus other real estate owned to assets1.3732%4,423
Noncurrent loans to loans1.5230%4,355
Net loans and leases to total assets64.6771%3,976
Net loans and leases to deposits76.6702%4,059
Net loans and leases to core deposits78.1333%4,788
Total domestic deposits to total assets84.3575%3,935
Equity capital to assets9.9112%4,276
Core capital (leverage) ratio9.9248%3,327
Tier 1 risk-based capital ratio13.7981%3,983
Total risk-based capital ratio14.9846%3,988
Memoranda:
Average total assets$184,427,2503,354
Average earning assets$169,450,0003,332
Average equity$18,101,2503,456
Average total loans$121,626,0003,335
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9911%4,981
Cost of funding earning assets1.3517%4,183
Net interest margin3.6394%4,633
Noninterest income to average assets0.6030%3,322
Noninterest expense to average assets2.2735%6,426
Loan and lease loss provision to assets0.3271%3,781
Net operating income to assets0.8658%2,673
Return on assets (ROA)0.8658%2,808
Pretax return on assets1.3346%1,997
Return on Equity (ROE)8.8506%2,527
Retained earnings to average equity (ytd only)4.4141%3,268
Net charge-offs to loans0.4483%3,187
Credit loss provision to net charge-offs110.7011%3,667
Earnings coverage of net charge-offs (x)5.6236%2,629
Efficiency ratio57.7722%6,404
Assets per employee ($millions)3.2260%5,617
Cash dividends to net income (ytd only)*50.1259%1,681
Condition Ratios (%)
Loss allowance to loans2.0337%2,109
Loan loss allowance to noncurrent loans147.9907%1,884
Noncurrent assets plus other real estate owned to assets1.6374%3,978
Noncurrent loans to loans1.3742%4,647
Net loans and leases to total assets67.7555%3,438
Net loans and leases to deposits80.6689%3,488
Net loans and leases to core deposits81.2133%4,525
Total domestic deposits to total assets83.9921%4,110
Equity capital to assets10.0712%3,923
Core capital (leverage) ratio9.8431%3,349
Tier 1 risk-based capital ratio13.3275%4,185
Total risk-based capital ratio14.5144%4,196
Memoranda:
Average total assets$183,421,3303,396
Average earning assets$167,939,6703,377
Average equity$17,942,3303,476
Average total loans$120,889,0003,391
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9241%5,337
Cost of funding earning assets1.3981%4,190
Net interest margin3.5260%5,056
Noninterest income to average assets0.4762%4,230
Noninterest expense to average assets2.1926%6,706
Loan and lease loss provision to assets0.3247%3,465
Net operating income to assets0.7792%3,066
Return on assets (ROA)0.7792%3,172
Pretax return on assets1.1904%2,393
Return on Equity (ROE)8.0824%2,849
Retained earnings to average equity (ytd only)3.3677%4,138
Net charge-offs to loans0.2591%3,378
Credit loss provision to net charge-offs194.8052%1,902
Earnings coverage of net charge-offs (x)9.0909%1,896
Efficiency ratio59.1360%6,318
Assets per employee ($millions)3.4626%5,120
Cash dividends to net income (ytd only)*58.3333%1,284
Condition Ratios (%)
Loss allowance to loans2.1898%1,779
Loan loss allowance to noncurrent loans89.1379%3,098
Noncurrent assets plus other real estate owned to assets1.7467%3,856
Noncurrent loans to loans2.4566%3,214
Net loans and leases to total assets61.7505%4,810
Net loans and leases to deposits74.4226%4,678
Net loans and leases to core deposits74.7890%5,415
Total domestic deposits to total assets82.9728%4,641
Equity capital to assets9.5442%4,459
Core capital (leverage) ratio9.6029%3,639
Tier 1 risk-based capital ratio13.8417%3,772
Total risk-based capital ratio15.0262%3,767
Memoranda:
Average total assets$184,805,0003,432
Average earning assets$169,372,0003,411
Average equity$17,816,5003,517
Average total loans$118,861,5003,476
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5474%3,889
Cost of funding earning assets1.6404%4,842
Net interest margin3.9070%3,240
Noninterest income to average assets0.6211%3,481
Noninterest expense to average assets2.5169%6,069
Loan and lease loss provision to assets0.3382%4,772
Net operating income to assets0.8657%2,293
Return on assets (ROA)0.8765%2,324
Pretax return on assets1.3337%1,604
Return on Equity (ROE)8.7794%2,094
Retained earnings to average equity (ytd only)5.9522%1,370
Net charge-offs to loans0.6325%3,310
Credit loss provision to net charge-offs77.1277%6,354
Earnings coverage of net charge-offs (x)3.7753%3,204
Efficiency ratio60.3215%6,433
Assets per employee ($millions)3.3205%5,456
Cash dividends to net income (ytd only)*32.2023%3,238
Condition Ratios (%)
Loss allowance to loans2.0990%1,827
Loan loss allowance to noncurrent loans75.1871%3,648
Noncurrent assets plus other real estate owned to assets1.9937%3,410
Noncurrent loans to loans2.7917%2,765
Net loans and leases to total assets64.1543%4,570
Net loans and leases to deposits77.5518%4,466
Net loans and leases to core deposits83.5488%5,760
Total domestic deposits to total assets82.7244%4,648
Equity capital to assets9.7395%4,089
Core capital (leverage) ratio9.5546%3,656
Tier 1 risk-based capital ratio13.4472%3,852
Total risk-based capital ratio14.6319%3,835
Memoranda:
Average total assets$171,481,0003,584
Average earning assets$155,875,8003,597
Average equity$17,119,6003,650
Average total loans$118,885,2003,503
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6431%3,613
Cost of funding earning assets1.6656%5,084
Net interest margin3.9776%2,902
Noninterest income to average assets0.6260%3,521
Noninterest expense to average assets2.5126%6,032
Loan and lease loss provision to assets0.3399%4,298
Net operating income to assets0.8974%2,431
Return on assets (ROA)0.8994%2,492
Pretax return on assets1.3950%1,707
Return on Equity (ROE)8.9502%2,277
Retained earnings to average equity (ytd only)5.7335%2,085
Net charge-offs to loans0.2483%4,499
Credit loss provision to net charge-offs194.5701%2,317
Earnings coverage of net charge-offs (x)9.9140%2,040
Efficiency ratio59.1993%6,532
Assets per employee ($millions)3.2676%5,473
Cash dividends to net income (ytd only)*35.9402%2,624
Condition Ratios (%)
Loss allowance to loans2.4870%1,077
Loan loss allowance to noncurrent loans103.3214%2,691
Noncurrent assets plus other real estate owned to assets2.6721%2,608
Noncurrent loans to loans2.4071%3,129
Net loans and leases to total assets64.2841%4,799
Net loans and leases to deposits79.5710%4,462
Net loans and leases to core deposits85.4405%5,923
Total domestic deposits to total assets80.7884%5,158
Equity capital to assets9.9529%4,150
Core capital (leverage) ratio9.7032%3,639
Tier 1 risk-based capital ratio13.5894%3,784
Total risk-based capital ratio14.7768%3,765
Memoranda:
Average total assets$168,694,5003,650
Average earning assets$153,457,2503,660
Average equity$16,952,7503,712
Average total loans$118,687,7503,542
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7500%3,294
Cost of funding earning assets1.6626%5,459
Net interest margin4.0874%2,367
Noninterest income to average assets0.6526%3,322
Noninterest expense to average assets2.5333%6,006
Loan and lease loss provision to assets0.3371%3,920
Net operating income to assets0.9565%2,259
Return on assets (ROA)0.9596%2,344
Pretax return on assets1.4930%1,463
Return on Equity (ROE)9.5166%2,185
Retained earnings to average equity (ytd only)4.6329%2,718
Net charge-offs to loans0.3314%3,528
Credit loss provision to net charge-offs141.4141%3,295
Earnings coverage of net charge-offs (x)7.6566%2,411
Efficiency ratio58.1215%6,850
Assets per employee ($millions)3.2246%5,523
Cash dividends to net income (ytd only)*51.3174%1,993
Condition Ratios (%)
Loss allowance to loans2.2216%1,205
Loan loss allowance to noncurrent loans103.6732%2,801
Noncurrent assets plus other real estate owned to assets2.7991%2,300
Noncurrent loans to loans2.1429%3,321
Net loans and leases to total assets69.9145%3,720
Net loans and leases to deposits86.4840%3,464
Net loans and leases to core deposits92.3876%5,304
Total domestic deposits to total assets80.8410%5,132
Equity capital to assets9.7871%4,230
Core capital (leverage) ratio10.0644%3,223
Tier 1 risk-based capital ratio12.6497%4,393
Total risk-based capital ratio13.8016%4,403
Memoranda:
Average total assets$166,109,0003,704
Average earning assets$150,608,0003,733
Average equity$16,749,6703,766
Average total loans$119,476,0003,547
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9286%2,655
Cost of funding earning assets1.6815%5,682
Net interest margin4.2471%1,758
Noninterest income to average assets0.6663%3,098
Noninterest expense to average assets2.5071%5,812
Loan and lease loss provision to assets0.3208%3,408
Net operating income to assets1.0844%2,016
Return on assets (ROA)1.0907%2,123
Pretax return on assets1.7125%1,152
Return on Equity (ROE)10.6484%2,089
Retained earnings to average equity (ytd only)1.7105%4,891
Net charge-offs to loans0.6361%1,906
Credit loss provision to net charge-offs69.8925%4,356
Earnings coverage of net charge-offs (x)4.4086%2,893
Efficiency ratio55.3377%7,064
Assets per employee ($millions)3.1234%5,831
Cash dividends to net income (ytd only)*83.9367%973
Condition Ratios (%)
Loss allowance to loans2.2117%1,069
Loan loss allowance to noncurrent loans147.7234%2,180
Noncurrent assets plus other real estate owned to assets2.3933%2,392
Noncurrent loans to loans1.4972%4,043
Net loans and leases to total assets71.5402%3,341
Net loans and leases to deposits86.6923%3,520
Net loans and leases to core deposits93.1862%5,237
Total domestic deposits to total assets82.5219%4,366
Equity capital to assets10.2848%3,667
Core capital (leverage) ratio10.2704%3,138
Tier 1 risk-based capital ratio13.1011%4,120
Total risk-based capital ratio14.2859%4,081
Memoranda:
Average total assets$162,100,0003,792
Average earning assets$147,487,5003,801
Average equity$16,603,5003,809
Average total loans$116,961,0003,624
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1345%4,867
Cost of funding earning assets2.2051%5,575
Net interest margin3.9293%3,449
Noninterest income to average assets0.6391%3,561
Noninterest expense to average assets2.3918%6,423
Loan and lease loss provision to assets0.3074%3,913
Net operating income to assets0.9996%2,562
Return on assets (ROA)0.9996%2,439
Pretax return on assets1.5446%1,554
Return on Equity (ROE)9.8182%2,326
Retained earnings to average equity (ytd only)6.1891%1,445
Net charge-offs to loans0.1540%4,658
Credit loss provision to net charge-offs275.8621%1,659
Earnings coverage of net charge-offs (x)16.6207%1,831
Efficiency ratio56.3603%6,959
Assets per employee ($millions)3.1723%5,559
Cash dividends to net income (ytd only)*36.9635%3,791
Condition Ratios (%)
Loss allowance to loans2.3318%815
Loan loss allowance to noncurrent loans132.6087%2,740
Noncurrent assets plus other real estate owned to assets2.3562%2,062
Noncurrent loans to loans1.7584%3,126
Net loans and leases to total assets69.4860%4,148
Net loans and leases to deposits82.6360%4,633
Net loans and leases to core deposits89.5326%5,844
Total domestic deposits to total assets84.0869%3,285
Equity capital to assets10.2006%3,806
Core capital (leverage) ratio10.3400%3,129
Tier 1 risk-based capital ratio13.6416%3,728
Total risk-based capital ratio14.8250%3,679
Memoranda:
Average total assets$156,155,4003,782
Average earning assets$143,255,6003,779
Average equity$15,899,0003,948
Average total loans$112,998,6003,615