Home > The Farmers National Bank of Lebanon > Performance and Condition Ratios

The Farmers National Bank of Lebanon, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3337%2,445
Cost of funding earning assets1.6693%2,801
Net interest margin3.6644%1,941
Noninterest income to average assets0.4900%1,794
Noninterest expense to average assets2.7219%1,694
Loan and lease loss provision to assets-0.0100%4,145
Net operating income to assets0.9646%2,371
Return on assets (ROA)0.9646%2,375
Pretax return on assets1.2531%2,105
Return on Equity (ROE)10.0600%2,292
Retained earnings to average equity (ytd only)10.0593%1,170
Net charge-offs to loans-0.0094%3,907
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio68.6765%1,967
Assets per employee ($millions)5.6240%3,216
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.1564%2,431
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets60.5500%2,824
Net loans and leases to deposits67.4871%3,030
Net loans and leases to core deposits73.8199%3,088
Total domestic deposits to total assets89.7200%912
Equity capital to assets9.6259%2,484
Core capital (leverage) ratio11.2314%1,886
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$137,256,0003,476
Average earning assets$130,116,0003,437
Average equity$13,162,0003,516
Average total loans$85,323,0003,374
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2435%2,640
Cost of funding earning assets1.5839%3,202
Net interest margin3.6596%1,762
Noninterest income to average assets0.5400%1,745
Noninterest expense to average assets2.8165%1,470
Loan and lease loss provision to assets0.0400%2,355
Net operating income to assets0.8754%2,466
Return on assets (ROA)0.8495%2,557
Pretax return on assets1.1122%2,202
Return on Equity (ROE)9.0900%2,441
Retained earnings to average equity (ytd only)7.7997%1,178
Net charge-offs to loans0.0062%2,696
Credit loss provision to net charge-offs820.0000%444
Earnings coverage of net charge-offs (x)309.6000%365
Efficiency ratio70.4298%1,933
Assets per employee ($millions)5.3565%3,394
Cash dividends to net income (ytd only)*14.2086%3,120
Condition Ratios (%)
Loss allowance to loans1.1761%2,288
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets62.3700%2,725
Net loans and leases to deposits69.4492%2,995
Net loans and leases to core deposits75.8847%3,050
Total domestic deposits to total assets89.8100%880
Equity capital to assets9.5510%2,417
Core capital (leverage) ratio11.2262%1,820
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$130,907,4003,528
Average earning assets$123,811,4003,493
Average equity$12,231,2003,581
Average total loans$80,065,0003,409
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1899%2,678
Cost of funding earning assets1.5353%3,291
Net interest margin3.6546%1,731
Noninterest income to average assets0.5400%1,719
Noninterest expense to average assets2.7689%1,521
Loan and lease loss provision to assets0.0500%2,008
Net operating income to assets0.9076%2,359
Return on assets (ROA)0.8728%2,475
Pretax return on assets1.1350%2,157
Return on Equity (ROE)9.3900%2,359
Retained earnings to average equity (ytd only)7.6526%1,514
Net charge-offs to loans0.0101%2,269
Credit loss provision to net charge-offs683.3333%511
Earnings coverage of net charge-offs (x)200.1667%520
Efficiency ratio69.2367%2,115
Assets per employee ($millions)5.4316%3,332
Cash dividends to net income (ytd only)*18.5446%2,592
Condition Ratios (%)
Loss allowance to loans1.2212%2,104
Loan loss allowance to noncurrent loans0.0000%3,813
Noncurrent assets plus other real estate owned to assets0.0000%3,861
Noncurrent loans to loans0.0000%3,830
Net loans and leases to total assets59.1500%2,997
Net loans and leases to deposits66.1149%3,243
Net loans and leases to core deposits71.5287%3,318
Total domestic deposits to total assets89.4700%753
Equity capital to assets9.7812%2,433
Core capital (leverage) ratio11.5250%1,714
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$130,156,2503,534
Average earning assets$123,056,0003,507
Average equity$12,091,5003,599
Average total loans$78,952,5003,438
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1072%2,745
Cost of funding earning assets1.5056%3,272
Net interest margin3.6016%1,786
Noninterest income to average assets0.5500%1,634
Noninterest expense to average assets2.7690%1,530
Loan and lease loss provision to assets0.0700%1,571
Net operating income to assets0.8668%2,399
Return on assets (ROA)0.8139%2,598
Pretax return on assets1.0524%2,329
Return on Equity (ROE)8.9300%2,473
Retained earnings to average equity (ytd only)6.2422%1,919
Net charge-offs to loans0.0102%2,030
Credit loss provision to net charge-offs1,025.0000%391
Earnings coverage of net charge-offs (x)190.7500%512
Efficiency ratio69.9488%2,120
Assets per employee ($millions)5.1381%3,516
Cash dividends to net income (ytd only)*30.0766%2,211
Condition Ratios (%)
Loss allowance to loans1.2252%2,112
Loan loss allowance to noncurrent loans133.9166%2,802
Noncurrent assets plus other real estate owned to assets0.5784%1,168
Noncurrent loans to loans0.9149%1,031
Net loans and leases to total assets62.4500%2,709
Net loans and leases to deposits69.3932%3,039
Net loans and leases to core deposits74.6056%3,125
Total domestic deposits to total assets89.9900%709
Equity capital to assets9.3505%2,493
Core capital (leverage) ratio10.9635%2,038
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$128,278,0003,563
Average earning assets$121,280,6673,530
Average equity$11,694,6673,613
Average total loans$78,165,3333,455
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9338%2,916
Cost of funding earning assets1.4181%3,364
Net interest margin3.5156%1,878
Noninterest income to average assets0.5200%1,683
Noninterest expense to average assets2.8208%1,412
Loan and lease loss provision to assets0.0100%2,366
Net operating income to assets0.7956%2,555
Return on assets (ROA)0.6896%2,895
Pretax return on assets0.8831%2,713
Return on Equity (ROE)7.6600%2,791
Retained earnings to average equity (ytd only)7.6626%1,647
Net charge-offs to loans0.0209%1,437
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)82.5000%748
Efficiency ratio73.2577%1,807
Assets per employee ($millions)5.2659%3,452
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.2210%2,174
Loan loss allowance to noncurrent loans127.2000%2,914
Noncurrent assets plus other real estate owned to assets0.5697%1,128
Noncurrent loans to loans0.9599%903
Net loans and leases to total assets58.6300%2,997
Net loans and leases to deposits64.6234%3,256
Net loans and leases to core deposits70.7511%3,291
Total domestic deposits to total assets90.7200%597
Equity capital to assets8.8038%2,808
Core capital (leverage) ratio11.1463%1,868
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$128,190,5003,576
Average earning assets$121,286,5003,542
Average equity$11,536,5003,632
Average total loans$76,644,0003,481
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6562%2,773
Cost of funding earning assets0.9688%3,375
Net interest margin3.6874%1,787
Noninterest income to average assets0.6000%1,526
Noninterest expense to average assets2.8336%1,418
Loan and lease loss provision to assets0.1900%662
Net operating income to assets0.8177%2,812
Return on assets (ROA)0.8087%2,822
Pretax return on assets1.0366%2,570
Return on Equity (ROE)9.3800%2,665
Retained earnings to average equity (ytd only)8.3341%1,451
Net charge-offs to loans0.1746%613
Credit loss provision to net charge-offs195.8333%1,238
Earnings coverage of net charge-offs (x)12.6250%2,140
Efficiency ratio69.5171%1,954
Assets per employee ($millions)5.1973%3,477
Cash dividends to net income (ytd only)*11.1562%3,197
Condition Ratios (%)
Loss allowance to loans1.2747%1,903
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets59.4800%2,889
Net loans and leases to deposits65.8031%3,180
Net loans and leases to core deposits70.4854%3,281
Total domestic deposits to total assets90.3900%654
Equity capital to assets9.2060%2,538
Core capital (leverage) ratio11.2981%1,761
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$121,931,4003,635
Average earning assets$114,879,2003,595
Average equity$10,511,0003,663
Average total loans$68,724,8003,571
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5355%2,833
Cost of funding earning assets0.8772%3,327
Net interest margin3.6583%1,867
Noninterest income to average assets0.6100%1,484
Noninterest expense to average assets2.7594%1,523
Loan and lease loss provision to assets0.2200%486
Net operating income to assets0.8348%2,916
Return on assets (ROA)0.8227%2,944
Pretax return on assets1.0591%2,687
Return on Equity (ROE)9.7100%2,732
Retained earnings to average equity (ytd only)8.2844%1,866
Net charge-offs to loans0.2284%388
Credit loss provision to net charge-offs166.9565%1,244
Earnings coverage of net charge-offs (x)10.2261%2,136
Efficiency ratio68.0868%2,004
Assets per employee ($millions)5.2280%3,407
Cash dividends to net income (ytd only)*14.7059%2,651
Condition Ratios (%)
Loss allowance to loans1.2739%1,995
Loan loss allowance to noncurrent loans92,000.0000%24
Noncurrent assets plus other real estate owned to assets0.0008%3,879
Noncurrent loans to loans0.0014%3,817
Net loans and leases to total assets56.8300%3,133
Net loans and leases to deposits62.1582%3,395
Net loans and leases to core deposits65.4108%3,458
Total domestic deposits to total assets91.4200%575
Equity capital to assets8.0774%3,008
Core capital (leverage) ratio10.7915%2,145
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$121,230,7503,650
Average earning assets$114,147,7503,616
Average equity$10,268,0003,693
Average total loans$67,117,7503,600
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3875%2,914
Cost of funding earning assets0.7643%3,316
Net interest margin3.6231%1,983
Noninterest income to average assets0.6100%1,422
Noninterest expense to average assets2.7509%1,525
Loan and lease loss provision to assets0.0200%2,476
Net operating income to assets0.9582%2,552
Return on assets (ROA)0.9398%2,604
Pretax return on assets1.2252%2,302
Return on Equity (ROE)10.9200%2,440
Retained earnings to average equity (ytd only)8.7856%1,737
Net charge-offs to loans-0.0764%4,473
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio68.4101%1,933
Assets per employee ($millions)5.0839%3,523
Cash dividends to net income (ytd only)*19.5382%2,457
Condition Ratios (%)
Loss allowance to loans1.2821%2,006
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets54.7800%3,209
Net loans and leases to deposits60.4780%3,393
Net loans and leases to core deposits63.4521%3,477
Total domestic deposits to total assets90.5700%762
Equity capital to assets8.8318%2,637
Core capital (leverage) ratio10.9890%1,928
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$119,816,6673,681
Average earning assets$112,775,6673,648
Average equity$10,312,3333,703
Average total loans$65,416,6673,628
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1888%3,069
Cost of funding earning assets0.6689%3,160
Net interest margin3.5199%2,310
Noninterest income to average assets0.6200%1,354
Noninterest expense to average assets2.7932%1,449
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8931%2,882
Return on assets (ROA)0.8558%2,947
Pretax return on assets1.0984%2,711
Return on Equity (ROE)10.0800%2,763
Retained earnings to average equity (ytd only)10.0789%1,678
Net charge-offs to loans-0.0685%4,428
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio70.9153%1,652
Assets per employee ($millions)4.9787%3,675
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.3396%1,859
Loan loss allowance to noncurrent loans4,270.0000%337
Noncurrent assets plus other real estate owned to assets0.0167%3,657
Noncurrent loans to loans0.0314%3,535
Net loans and leases to total assets52.6400%3,303
Net loans and leases to deposits57.9851%3,454
Net loans and leases to core deposits60.1166%3,537
Total domestic deposits to total assets90.7800%873
Equity capital to assets8.6577%2,774
Core capital (leverage) ratio11.0534%1,810
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$118,718,5003,735
Average earning assets$111,822,0003,698
Average equity$10,080,5003,779
Average total loans$64,273,0003,690
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6223%2,729
Cost of funding earning assets0.2987%2,888
Net interest margin3.3237%2,502
Noninterest income to average assets0.5800%1,741
Noninterest expense to average assets2.7879%1,342
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets0.8263%3,231
Return on assets (ROA)0.8263%3,161
Pretax return on assets0.8921%3,381
Return on Equity (ROE)9.2800%3,038
Retained earnings to average equity (ytd only)9.2814%1,397
Net charge-offs to loans0.0196%1,701
Credit loss provision to net charge-offs283.3333%941
Earnings coverage of net charge-offs (x)92.0833%1,011
Efficiency ratio75.1797%1,103
Assets per employee ($millions)5.1282%3,572
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.3010%1,888
Loan loss allowance to noncurrent loans3,372.0000%412
Noncurrent assets plus other real estate owned to assets0.0212%3,634
Noncurrent loans to loans0.0386%3,498
Net loans and leases to total assets54.2200%3,183
Net loans and leases to deposits59.4311%3,366
Net loans and leases to core deposits61.2673%3,434
Total domestic deposits to total assets91.2300%864
Equity capital to assets8.3223%2,834
Core capital (leverage) ratio10.7750%1,970
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$120,053,4003,730
Average earning assets$112,827,6003,697
Average equity$10,688,0003,788
Average total loans$61,157,4003,703
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5090%2,592
Cost of funding earning assets0.2740%2,446
Net interest margin3.2350%2,514
Noninterest income to average assets0.5600%1,859
Noninterest expense to average assets2.7456%1,362
Loan and lease loss provision to assets0.0400%1,932
Net operating income to assets0.8127%3,200
Return on assets (ROA)0.8127%3,167
Pretax return on assets0.8182%3,537
Return on Equity (ROE)8.9900%3,032
Retained earnings to average equity (ytd only)8.9857%1,654
Net charge-offs to loans0.0266%1,290
Credit loss provision to net charge-offs283.3333%840
Earnings coverage of net charge-offs (x)64.5000%1,136
Efficiency ratio76.2358%1,056
Assets per employee ($millions)5.0105%3,666
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.3484%1,811
Loan loss allowance to noncurrent loans7,654.5455%185
Noncurrent assets plus other real estate owned to assets0.0091%3,905
Noncurrent loans to loans0.0176%3,797
Net loans and leases to total assets51.2300%3,365
Net loans and leases to deposits55.8805%3,489
Net loans and leases to core deposits56.7772%3,573
Total domestic deposits to total assets91.6700%983
Equity capital to assets7.8202%3,013
Core capital (leverage) ratio10.4717%2,132
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$120,579,7503,745
Average earning assets$113,380,5003,717
Average equity$10,906,0003,818
Average total loans$60,248,0003,737
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4079%2,409
Cost of funding earning assets0.2740%1,970
Net interest margin3.1339%2,428
Noninterest income to average assets0.5535%1,930
Noninterest expense to average assets2.7476%1,277
Loan and lease loss provision to assets0.0166%2,306
Net operating income to assets0.8385%2,826
Return on assets (ROA)0.8385%2,797
Pretax return on assets0.7457%3,462
Return on Equity (ROE)8.8720%2,739
Retained earnings to average equity (ytd only)8.8720%1,325
Net charge-offs to loans0.0437%950
Credit loss provision to net charge-offs76.9231%1,402
Earnings coverage of net charge-offs (x)35.3846%1,317
Efficiency ratio78.2814%1,069
Assets per employee ($millions)4.9902%3,685
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.3191%2,100
Loan loss allowance to noncurrent loans11,685.7143%128
Noncurrent assets plus other real estate owned to assets0.0058%3,989
Noncurrent loans to loans0.0113%3,897
Net loans and leases to total assets51.0955%3,254
Net loans and leases to deposits55.8136%3,397
Net loans and leases to core deposits56.7141%3,511
Total domestic deposits to total assets91.5467%1,016
Equity capital to assets7.9991%3,128
Core capital (leverage) ratio10.1873%2,195
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,688,6673,793
Average earning assets$113,853,3333,766
Average equity$11,406,6673,845
Average total loans$59,516,3333,791
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2431%2,555
Cost of funding earning assets0.2752%1,877
Net interest margin2.9679%2,609
Noninterest income to average assets0.5250%2,018
Noninterest expense to average assets2.8130%1,137
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.4424%3,869
Return on assets (ROA)0.4424%3,833
Pretax return on assets0.5250%3,821
Return on Equity (ROE)4.3506%3,794
Retained earnings to average equity (ytd only)4.3506%2,819
Net charge-offs to loans-0.0069%3,451
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2730%826
Assets per employee ($millions)4.8964%3,840
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.3990%1,908
Loan loss allowance to noncurrent loans3,425.0000%354
Noncurrent assets plus other real estate owned to assets0.0196%3,855
Noncurrent loans to loans0.0408%3,685
Net loans and leases to total assets47.3270%3,459
Net loans and leases to deposits52.5041%3,533
Net loans and leases to core deposits53.3443%3,645
Total domestic deposits to total assets90.1397%1,483
Equity capital to assets9.3685%2,391
Core capital (leverage) ratio11.3401%1,340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$121,151,0003,804
Average earning assets$114,829,0003,779
Average equity$12,320,0003,829
Average total loans$58,268,5003,820
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7275%2,037
Cost of funding earning assets0.3030%2,383
Net interest margin3.4245%1,949
Noninterest income to average assets0.5330%2,426
Noninterest expense to average assets2.8573%1,238
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.7353%3,532
Return on assets (ROA)0.7353%3,591
Pretax return on assets0.9172%3,466
Return on Equity (ROE)6.6522%3,609
Retained earnings to average equity (ytd only)6.6522%2,057
Net charge-offs to loans0.0221%1,818
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)90.3333%926
Efficiency ratio75.7005%1,130
Assets per employee ($millions)4.9955%3,729
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.4209%1,838
Loan loss allowance to noncurrent loans3,284.0000%366
Noncurrent assets plus other real estate owned to assets0.0209%3,928
Noncurrent loans to loans0.0433%3,766
Net loans and leases to total assets47.5103%3,537
Net loans and leases to deposits53.6856%3,620
Net loans and leases to core deposits54.5797%3,720
Total domestic deposits to total assets88.4971%1,793
Equity capital to assets10.9866%1,799
Core capital (leverage) ratio11.5208%1,284
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,189,2003,821
Average earning assets$111,870,6003,791
Average equity$13,063,4003,824
Average total loans$54,320,2003,927
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9001%1,761
Cost of funding earning assets0.3065%2,534
Net interest margin3.5935%1,611
Noninterest income to average assets0.5231%2,526
Noninterest expense to average assets2.7908%1,365
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.8978%3,253
Return on assets (ROA)0.8978%3,328
Pretax return on assets1.1299%3,135
Return on Equity (ROE)8.1105%3,367
Retained earnings to average equity (ytd only)8.1105%2,019
Net charge-offs to loans0.0274%1,498
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)90.7273%920
Efficiency ratio71.1811%1,476
Assets per employee ($millions)4.7798%3,901
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5506%1,461
Loan loss allowance to noncurrent loans97.8597%3,434
Noncurrent assets plus other real estate owned to assets0.7038%1,058
Noncurrent loans to loans1.5845%649
Net loans and leases to total assets43.7287%3,974
Net loans and leases to deposits49.5660%4,025
Net loans and leases to core deposits50.5241%4,108
Total domestic deposits to total assets88.2230%1,706
Equity capital to assets11.2790%1,834
Core capital (leverage) ratio12.0949%1,124
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$117,763,5003,872
Average earning assets$111,345,2503,840
Average equity$13,036,2503,877
Average total loans$53,454,7503,992
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3018%1,005
Cost of funding earning assets0.3073%2,715
Net interest margin3.9945%830
Noninterest income to average assets0.5018%2,617
Noninterest expense to average assets2.7836%1,390
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.1623%2,325
Return on assets (ROA)1.1623%2,385
Pretax return on assets1.4899%2,047
Return on Equity (ROE)10.5672%2,564
Retained earnings to average equity (ytd only)10.5672%1,228
Net charge-offs to loans0.0075%1,861
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)436.5000%296
Efficiency ratio65.1358%2,278
Assets per employee ($millions)4.7641%3,870
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.5422%1,447
Loan loss allowance to noncurrent loans96.1806%3,399
Noncurrent assets plus other real estate owned to assets0.7254%1,134
Noncurrent loans to loans1.6035%686
Net loans and leases to total assets44.5430%4,009
Net loans and leases to deposits50.4690%4,078
Net loans and leases to core deposits51.4474%4,161
Total domestic deposits to total assets88.2581%1,694
Equity capital to assets11.1744%1,852
Core capital (leverage) ratio11.1918%1,487
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5069%888
Memoranda:
Average total assets$117,186,0003,890
Average earning assets$110,651,6673,865
Average equity$12,889,0003,899
Average total loans$53,580,6674,014
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4512%840
Cost of funding earning assets0.3140%2,853
Net interest margin4.1372%678
Noninterest income to average assets0.4956%2,631
Noninterest expense to average assets2.8324%1,300
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2080%2,112
Return on assets (ROA)1.2080%2,198
Pretax return on assets1.5625%1,824
Return on Equity (ROE)11.0734%2,342
Retained earnings to average equity (ytd only)11.0734%1,383
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4479%2,415
Assets per employee ($millions)4.7454%3,890
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5727%1,363
Loan loss allowance to noncurrent loans91.1475%3,449
Noncurrent assets plus other real estate owned to assets0.7713%1,181
Noncurrent loans to loans1.7254%695
Net loans and leases to total assets43.9968%4,111
Net loans and leases to deposits49.4622%4,192
Net loans and leases to core deposits50.2750%4,288
Total domestic deposits to total assets88.9502%1,363
Equity capital to assets10.5347%2,237
Core capital (leverage) ratio11.2931%1,528
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4584%1,000
Memoranda:
Average total assets$116,227,5003,902
Average earning assets$109,543,0003,875
Average equity$12,679,0003,931
Average total loans$53,429,5004,030
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8466%3,175
Cost of funding earning assets0.3632%3,801
Net interest margin3.4835%2,520
Noninterest income to average assets0.5210%2,541
Noninterest expense to average assets2.8882%1,715
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.7551%3,250
Return on assets (ROA)0.7582%3,368
Pretax return on assets0.9058%3,352
Return on Equity (ROE)6.6000%3,369
Retained earnings to average equity (ytd only)5.6246%1,980
Net charge-offs to loans0.0165%2,766
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)107.3333%752
Efficiency ratio76.2010%1,201
Assets per employee ($millions)4.3777%4,032
Cash dividends to net income (ytd only)*14.7783%3,432
Condition Ratios (%)
Loss allowance to loans1.5494%1,432
Loan loss allowance to noncurrent loans90.3575%3,459
Noncurrent assets plus other real estate owned to assets0.8109%1,260
Noncurrent loans to loans1.7147%739
Net loans and leases to total assets46.5608%4,091
Net loans and leases to deposits52.7418%4,183
Net loans and leases to core deposits53.6512%4,276
Total domestic deposits to total assets88.2805%1,335
Equity capital to assets11.2986%2,020
Core capital (leverage) ratio11.3763%1,545
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.7908%795
Memoranda:
Average total assets$107,092,4003,906
Average earning assets$100,503,4003,887
Average equity$12,303,0003,942
Average total loans$54,605,2004,006
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9897%2,999
Cost of funding earning assets0.3680%3,958
Net interest margin3.6217%2,188
Noninterest income to average assets0.5237%2,509
Noninterest expense to average assets2.9446%1,576
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.8104%3,053
Return on assets (ROA)0.8146%3,157
Pretax return on assets0.9828%3,124
Return on Equity (ROE)7.0591%3,173
Retained earnings to average equity (ytd only)7.0591%1,664
Net charge-offs to loans0.0219%2,414
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)85.8889%879
Efficiency ratio75.0726%1,293
Assets per employee ($millions)4.3219%4,026
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.4902%1,414
Loan loss allowance to noncurrent loans89.7740%3,405
Noncurrent assets plus other real estate owned to assets0.8267%1,393
Noncurrent loans to loans1.6599%834
Net loans and leases to total assets49.0634%4,149
Net loans and leases to deposits55.6215%4,278
Net loans and leases to core deposits56.6031%4,359
Total domestic deposits to total assets88.2094%1,106
Equity capital to assets11.2896%2,156
Core capital (leverage) ratio11.5880%1,530
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1561%891
Memoranda:
Average total assets$105,410,7503,923
Average earning assets$98,919,2503,904
Average equity$12,163,7503,960
Average total loans$54,799,2504,028
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2617%2,574
Cost of funding earning assets0.3688%4,179
Net interest margin3.8929%1,586
Noninterest income to average assets0.5219%2,482
Noninterest expense to average assets2.9372%1,746
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.0025%2,320
Return on assets (ROA)1.0088%2,417
Pretax return on assets1.2377%2,227
Return on Equity (ROE)8.6741%2,503
Retained earnings to average equity (ytd only)8.6741%1,112
Net charge-offs to loans0.0368%1,999
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)63.4000%930
Efficiency ratio70.4842%1,892
Assets per employee ($millions)4.2096%4,097
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.4664%1,365
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets51.1384%4,085
Net loans and leases to deposits57.9986%4,226
Net loans and leases to core deposits59.5519%4,284
Total domestic deposits to total assets88.1718%1,098
Equity capital to assets11.3431%2,089
Core capital (leverage) ratio11.9502%1,399
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2797%1,005
Memoranda:
Average total assets$103,091,3333,957
Average earning assets$96,534,3333,934
Average equity$11,989,6673,986
Average total loans$54,410,3334,049
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0975%3,533
Cost of funding earning assets0.3729%4,453
Net interest margin3.7246%2,242
Noninterest income to average assets0.5405%2,329
Noninterest expense to average assets2.8825%2,176
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.9270%2,429
Return on assets (ROA)0.9368%2,499
Pretax return on assets1.1490%2,363
Return on Equity (ROE)7.9477%2,542
Retained earnings to average equity (ytd only)7.9477%1,247
Net charge-offs to loans0.0827%1,208
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)25.8182%1,274
Efficiency ratio71.7131%2,124
Assets per employee ($millions)3.7903%4,181
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.5520%1,187
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets53.5520%4,021
Net loans and leases to deposits61.2729%4,143
Net loans and leases to core deposits62.9090%4,236
Total domestic deposits to total assets87.3992%1,383
Equity capital to assets12.1787%1,937
Core capital (leverage) ratio12.4863%1,458
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2622%950
Memoranda:
Average total assets$99,912,0003,995
Average earning assets$93,325,5003,978
Average equity$11,777,0004,021
Average total loans$53,213,5004,087
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1881%3,837
Cost of funding earning assets0.3732%4,530
Net interest margin3.8149%2,455
Noninterest income to average assets0.5659%2,395
Noninterest expense to average assets3.1439%1,659
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.7918%3,579
Return on assets (ROA)0.8007%3,640
Pretax return on assets0.9677%3,547
Return on Equity (ROE)7.4177%3,398
Retained earnings to average equity (ytd only)6.3255%1,705
Net charge-offs to loans-0.0308%4,717
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6651%1,299
Assets per employee ($millions)3.8952%4,036
Cash dividends to net income (ytd only)*14.7239%3,639
Condition Ratios (%)
Loss allowance to loans1.5960%987
Loan loss allowance to noncurrent loans3,665.2174%186
Noncurrent assets plus other real estate owned to assets0.0227%4,544
Noncurrent loans to loans0.0435%4,386
Net loans and leases to total assets51.3226%4,267
Net loans and leases to deposits58.2362%4,363
Net loans and leases to core deposits59.7334%4,456
Total domestic deposits to total assets88.1284%1,072
Equity capital to assets11.4066%2,613
Core capital (leverage) ratio12.0189%1,761
Tier 1 risk-based capital ratio18.0450%1,746
Total risk-based capital ratio19.0231%1,773
Memoranda:
Average total assets$101,782,8003,973
Average earning assets$94,314,6003,961
Average equity$10,987,2004,128
Average total loans$51,987,4004,142
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2020%3,916
Cost of funding earning assets0.3722%4,589
Net interest margin3.8298%2,503
Noninterest income to average assets0.5744%2,336
Noninterest expense to average assets3.1557%1,566
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.7953%3,689
Return on assets (ROA)0.8072%3,734
Pretax return on assets0.9734%3,669
Return on Equity (ROE)7.5848%3,477
Retained earnings to average equity (ytd only)7.5848%1,582
Net charge-offs to loans-0.0283%4,683
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6932%1,243
Assets per employee ($millions)3.8595%4,087
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.6323%940
Loan loss allowance to noncurrent loans1,780.8511%359
Noncurrent assets plus other real estate owned to assets0.0468%4,485
Noncurrent loans to loans0.0917%4,239
Net loans and leases to total assets50.2656%4,416
Net loans and leases to deposits57.0311%4,515
Net loans and leases to core deposits58.5219%4,585
Total domestic deposits to total assets88.1372%979
Equity capital to assets11.3865%2,751
Core capital (leverage) ratio11.8667%1,947
Tier 1 risk-based capital ratio18.2722%1,743
Total risk-based capital ratio19.2261%1,774
Memoranda:
Average total assets$101,909,7504,013
Average earning assets$94,206,2504,009
Average equity$10,846,0004,182
Average total loans$51,779,2504,193
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1871%3,957
Cost of funding earning assets0.3687%4,623
Net interest margin3.8184%2,526
Noninterest income to average assets0.5604%2,342
Noninterest expense to average assets3.2315%1,442
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.7732%3,741
Return on assets (ROA)0.7732%3,807
Pretax return on assets0.8474%3,978
Return on Equity (ROE)7.4348%3,521
Retained earnings to average equity (ytd only)7.4348%1,632
Net charge-offs to loans-0.0231%4,597
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2245%1,035
Assets per employee ($millions)3.9079%3,984
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.6430%940
Loan loss allowance to noncurrent loans1,633.3333%401
Noncurrent assets plus other real estate owned to assets0.0502%4,512
Noncurrent loans to loans0.1006%4,223
Net loans and leases to total assets49.0788%4,517
Net loans and leases to deposits55.3739%4,619
Net loans and leases to core deposits56.7935%4,690
Total domestic deposits to total assets88.6316%813
Equity capital to assets11.0200%3,022
Core capital (leverage) ratio11.4879%2,177
Tier 1 risk-based capital ratio17.8254%1,848
Total risk-based capital ratio18.7748%1,896
Memoranda:
Average total assets$102,430,6704,026
Average earning assets$94,385,0004,028
Average equity$10,652,6704,220
Average total loans$51,946,6704,221
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1063%4,108
Cost of funding earning assets0.3644%4,625
Net interest margin3.7419%2,737
Noninterest income to average assets0.5173%2,451
Noninterest expense to average assets3.5666%878
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.4667%4,606
Return on assets (ROA)0.4667%4,628
Pretax return on assets0.3851%4,859
Return on Equity (ROE)4.6241%4,437
Retained earnings to average equity (ytd only)4.6241%3,072
Net charge-offs to loans0.0685%1,371
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)11.0000%1,929
Efficiency ratio90.2559%385
Assets per employee ($millions)3.8428%4,128
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5784%1,106
Loan loss allowance to noncurrent loans4,095.0000%167
Noncurrent assets plus other real estate owned to assets0.0193%4,767
Noncurrent loans to loans0.0385%4,593
Net loans and leases to total assets49.2212%4,513
Net loans and leases to deposits54.9376%4,643
Net loans and leases to core deposits55.8075%4,723
Total domestic deposits to total assets89.5948%602
Equity capital to assets10.1835%3,640
Core capital (leverage) ratio11.2289%2,366
Tier 1 risk-based capital ratio17.1629%2,059
Total risk-based capital ratio18.1382%2,090
Memoranda:
Average total assets$102,843,0004,056
Average earning assets$94,390,5004,069
Average equity$10,380,5004,276
Average total loans$52,570,0004,253
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1174%3,688
Cost of funding earning assets0.3868%4,070
Net interest margin3.7306%2,934
Noninterest income to average assets0.6445%2,065
Noninterest expense to average assets3.8006%685
Loan and lease loss provision to assets0.1382%1,559
Net operating income to assets0.1944%5,112
Return on assets (ROA)0.1915%5,111
Pretax return on assets0.1767%5,131
Return on Equity (ROE)1.8859%5,061
Retained earnings to average equity (ytd only)0.7194%4,793
Net charge-offs to loans0.1133%1,616
Credit loss provision to net charge-offs241.3793%1,227
Earnings coverage of net charge-offs (x)5.5517%3,183
Efficiency ratio92.2837%273
Assets per employee ($millions)3.9204%4,010
Cash dividends to net income (ytd only)*61.8557%1,413
Condition Ratios (%)
Loss allowance to loans1.5530%1,138
Loan loss allowance to noncurrent loans6,361.5385%133
Noncurrent assets plus other real estate owned to assets0.0128%4,841
Noncurrent loans to loans0.0244%4,668
Net loans and leases to total assets51.4314%4,434
Net loans and leases to deposits57.2564%4,607
Net loans and leases to core deposits58.3377%4,691
Total domestic deposits to total assets89.8264%534
Equity capital to assets10.0020%3,683
Core capital (leverage) ratio11.2771%2,283
Tier 1 risk-based capital ratio16.5221%2,233
Total risk-based capital ratio17.4929%2,272
Memoranda:
Average total assets$101,326,0004,081
Average earning assets$94,354,6004,059
Average equity$10,286,6004,266
Average total loans$51,214,0004,294
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0066%3,908
Cost of funding earning assets0.3897%3,936
Net interest margin3.6169%3,312
Noninterest income to average assets0.6774%1,948
Noninterest expense to average assets3.4593%1,037
Loan and lease loss provision to assets0.1845%985
Net operating income to assets0.3686%4,999
Return on assets (ROA)0.3664%5,000
Pretax return on assets0.4191%5,017
Return on Equity (ROE)3.5953%4,907
Retained earnings to average equity (ytd only)3.5953%3,970
Net charge-offs to loans0.3261%513
Credit loss provision to net charge-offs112.9032%2,075
Earnings coverage of net charge-offs (x)3.7097%3,137
Efficiency ratio85.0891%570
Assets per employee ($millions)3.4804%4,585
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.4491%1,527
Loan loss allowance to noncurrent loans5,853.8462%146
Noncurrent assets plus other real estate owned to assets0.0129%4,944
Noncurrent loans to loans0.0248%4,786
Net loans and leases to total assets51.2776%4,512
Net loans and leases to deposits57.2631%4,685
Net loans and leases to core deposits58.2047%4,779
Total domestic deposits to total assets89.5473%658
Equity capital to assets10.1683%3,476
Core capital (leverage) ratio11.4090%2,238
Tier 1 risk-based capital ratio16.9560%2,122
Total risk-based capital ratio17.9187%2,162
Memoranda:
Average total assets$101,175,0004,123
Average earning assets$94,775,0004,100
Average equity$10,309,5004,307
Average total loans$50,704,7504,346
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9390%3,960
Cost of funding earning assets0.3958%3,753
Net interest margin3.5432%3,489
Noninterest income to average assets0.7071%1,847
Noninterest expense to average assets3.2946%1,335
Loan and lease loss provision to assets0.2765%535
Net operating income to assets0.3812%4,991
Return on assets (ROA)0.3812%4,995
Pretax return on assets0.4602%4,969
Return on Equity (ROE)3.7385%4,879
Retained earnings to average equity (ytd only)3.7385%3,730
Net charge-offs to loans0.4591%333
Credit loss provision to net charge-offs121.7391%1,785
Earnings coverage of net charge-offs (x)3.2435%2,892
Efficiency ratio81.7246%855
Assets per employee ($millions)3.7894%4,225
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.4965%1,411
Loan loss allowance to noncurrent loans359.3458%1,434
Noncurrent assets plus other real estate owned to assets0.2238%3,882
Noncurrent loans to loans0.4164%3,206
Net loans and leases to total assets49.4737%4,637
Net loans and leases to deposits55.2501%4,790
Net loans and leases to core deposits56.1448%4,863
Total domestic deposits to total assets89.5450%725
Equity capital to assets9.9809%3,646
Core capital (leverage) ratio11.3081%2,247
Tier 1 risk-based capital ratio16.8831%2,135
Total risk-based capital ratio17.8281%2,180
Memoranda:
Average total assets$101,256,3304,157
Average earning assets$94,999,3304,128
Average equity$10,325,0004,338
Average total loans$50,101,0004,401
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9089%3,904
Cost of funding earning assets0.3981%3,603
Net interest margin3.5108%3,497
Noninterest income to average assets0.8260%1,374
Noninterest expense to average assets3.3675%1,220
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.6473%4,287
Return on assets (ROA)0.6473%4,297
Pretax return on assets0.7505%4,294
Return on Equity (ROE)6.2804%4,067
Retained earnings to average equity (ytd only)6.2804%2,595
Net charge-offs to loans-0.1051%5,217
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7743%972
Assets per employee ($millions)4.0120%3,957
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5358%1,332
Loan loss allowance to noncurrent loans177.6995%2,458
Noncurrent assets plus other real estate owned to assets0.4397%3,082
Noncurrent loans to loans0.8643%2,090
Net loans and leases to total assets48.3873%4,670
Net loans and leases to deposits54.2069%4,784
Net loans and leases to core deposits55.1037%4,871
Total domestic deposits to total assets89.2641%978
Equity capital to assets10.2783%3,305
Core capital (leverage) ratio11.2853%2,179
Tier 1 risk-based capital ratio17.8440%1,881
Total risk-based capital ratio18.8050%1,915
Memoranda:
Average total assets$100,727,0004,212
Average earning assets$94,451,0004,183
Average equity$10,381,5004,368
Average total loans$49,457,5004,452
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9663%3,517
Cost of funding earning assets0.4213%3,043
Net interest margin3.5450%3,359
Noninterest income to average assets0.5539%2,693
Noninterest expense to average assets3.1814%1,647
Loan and lease loss provision to assets0.0487%3,250
Net operating income to assets0.4596%4,494
Return on assets (ROA)0.4799%4,465
Pretax return on assets0.6698%4,579
Return on Equity (ROE)4.6901%4,293
Retained earnings to average equity (ytd only)3.5485%3,150
Net charge-offs to loans0.0807%2,302
Credit loss provision to net charge-offs128.2051%2,052
Earnings coverage of net charge-offs (x)18.1795%2,087
Efficiency ratio82.1725%918
Assets per employee ($millions)3.7465%4,368
Cash dividends to net income (ytd only)*24.3408%3,517
Condition Ratios (%)
Loss allowance to loans1.5012%1,403
Loan loss allowance to noncurrent loans148.4064%2,819
Noncurrent assets plus other real estate owned to assets0.5111%2,857
Noncurrent loans to loans1.0116%1,758
Net loans and leases to total assets48.3229%4,746
Net loans and leases to deposits54.1210%4,888
Net loans and leases to core deposits55.0071%4,967
Total domestic deposits to total assets89.2867%873
Equity capital to assets10.3346%3,345
Core capital (leverage) ratio11.0044%2,333
Tier 1 risk-based capital ratio18.0106%1,806
Total risk-based capital ratio19.0218%1,818
Memoranda:
Average total assets$102,721,2004,192
Average earning assets$96,134,8004,158
Average equity$10,511,4004,377
Average total loans$48,341,8004,504
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9487%3,524
Cost of funding earning assets0.4199%2,986
Net interest margin3.5288%3,393
Noninterest income to average assets0.5625%2,655
Noninterest expense to average assets3.1757%1,618
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5095%4,704
Return on assets (ROA)0.5095%4,735
Pretax return on assets0.6905%4,631
Return on Equity (ROE)4.9908%4,534
Retained earnings to average equity (ytd only)4.9908%2,894
Net charge-offs to loans0.0611%2,245
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)24.2748%1,778
Efficiency ratio82.1405%904
Assets per employee ($millions)3.7491%4,378
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.4278%1,785
Loan loss allowance to noncurrent loans817.2414%696
Noncurrent assets plus other real estate owned to assets0.0859%4,814
Noncurrent loans to loans0.1747%4,372
Net loans and leases to total assets48.4905%4,800
Net loans and leases to deposits54.7311%4,932
Net loans and leases to core deposits55.6437%5,011
Total domestic deposits to total assets88.5978%1,070
Equity capital to assets10.7344%3,132
Core capital (leverage) ratio10.8306%2,614
Tier 1 risk-based capital ratio17.6290%1,966
Total risk-based capital ratio18.6379%1,993
Memoranda:
Average total assets$103,112,7504,226
Average earning assets$96,536,0004,194
Average equity$10,525,7504,415
Average total loans$48,020,7504,557
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9229%3,472
Cost of funding earning assets0.4224%2,870
Net interest margin3.5006%3,398
Noninterest income to average assets0.5128%2,947
Noninterest expense to average assets3.1540%1,691
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.4588%4,831
Return on assets (ROA)0.4588%4,853
Pretax return on assets0.6343%4,731
Return on Equity (ROE)4.5715%4,637
Retained earnings to average equity (ytd only)4.5715%2,990
Net charge-offs to loans-0.0127%4,613
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2570%904
Assets per employee ($millions)3.8243%4,244
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.5944%1,269
Loan loss allowance to noncurrent loans3,680.0000%184
Noncurrent assets plus other real estate owned to assets0.0194%5,207
Noncurrent loans to loans0.0433%4,974
Net loans and leases to total assets43.9940%5,042
Net loans and leases to deposits49.4201%5,160
Net loans and leases to core deposits50.2511%5,213
Total domestic deposits to total assets89.0204%940
Equity capital to assets10.3898%3,469
Core capital (leverage) ratio10.2977%3,147
Tier 1 risk-based capital ratio18.2737%1,783
Total risk-based capital ratio19.2572%1,810
Memoranda:
Average total assets$103,741,6704,246
Average earning assets$97,070,3304,215
Average equity$10,412,3304,450
Average total loans$47,429,0004,598
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7920%3,790
Cost of funding earning assets0.4195%2,817
Net interest margin3.3725%3,746
Noninterest income to average assets0.5039%2,956
Noninterest expense to average assets3.1620%1,714
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4154%4,908
Return on assets (ROA)0.4154%4,931
Pretax return on assets0.4962%4,975
Return on Equity (ROE)4.2128%4,706
Retained earnings to average equity (ytd only)4.2128%3,348
Net charge-offs to loans-0.0333%4,982
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4353%769
Assets per employee ($millions)4.0780%3,881
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5211%1,621
Loan loss allowance to noncurrent loans46.7302%4,717
Noncurrent assets plus other real estate owned to assets1.4855%1,087
Noncurrent loans to loans3.2550%392
Net loans and leases to total assets44.9419%4,989
Net loans and leases to deposits50.1189%5,127
Net loans and leases to core deposits50.9315%5,191
Total domestic deposits to total assets89.6707%812
Equity capital to assets9.8229%3,952
Core capital (leverage) ratio10.0307%3,458
Tier 1 risk-based capital ratio16.4899%2,364
Total risk-based capital ratio17.4402%2,420
Memoranda:
Average total assets$103,985,0004,281
Average earning assets$97,257,5004,252
Average equity$10,254,5004,504
Average total loans$48,062,5004,623
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8803%3,646
Cost of funding earning assets0.4481%2,556
Net interest margin3.4321%3,700
Noninterest income to average assets0.5042%3,213
Noninterest expense to average assets3.2501%1,684
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.3771%5,015
Return on assets (ROA)0.4740%4,808
Pretax return on assets0.5870%4,823
Return on Equity (ROE)4.6464%4,589
Retained earnings to average equity (ytd only)3.5015%3,437
Net charge-offs to loans3.0521%39
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)0.3213%4,114
Efficiency ratio87.4313%722
Assets per employee ($millions)3.7756%4,354
Cash dividends to net income (ytd only)*24.6407%3,541
Condition Ratios (%)
Loss allowance to loans1.5355%1,551
Loan loss allowance to noncurrent loans1,559.5745%407
Noncurrent assets plus other real estate owned to assets0.0461%5,155
Noncurrent loans to loans0.0985%4,844
Net loans and leases to total assets46.1096%5,010
Net loans and leases to deposits51.4458%5,148
Net loans and leases to core deposits52.3150%5,215
Total domestic deposits to total assets89.6274%809
Equity capital to assets9.9017%3,814
Core capital (leverage) ratio10.1628%3,280
Tier 1 risk-based capital ratio16.5888%2,308
Total risk-based capital ratio17.5538%2,363
Memoranda:
Average total assets$102,733,8004,310
Average earning assets$96,179,0004,271
Average equity$10,481,2004,496
Average total loans$48,949,2004,599
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8866%3,633
Cost of funding earning assets0.4509%2,554
Net interest margin3.4357%3,723
Noninterest income to average assets0.5039%3,222
Noninterest expense to average assets3.2500%1,681
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.3826%5,080
Return on assets (ROA)0.5116%4,754
Pretax return on assets0.6308%4,800
Return on Equity (ROE)4.9787%4,525
Retained earnings to average equity (ytd only)4.9787%2,846
Net charge-offs to loans4.0417%23
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)0.2438%3,809
Efficiency ratio87.3303%716
Assets per employee ($millions)3.8044%4,293
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.5463%1,620
Loan loss allowance to noncurrent loans2,823.0769%238
Noncurrent assets plus other real estate owned to assets0.0253%5,403
Noncurrent loans to loans0.0548%5,135
Net loans and leases to total assets45.4975%5,119
Net loans and leases to deposits51.2726%5,241
Net loans and leases to core deposits52.1514%5,310
Total domestic deposits to total assets88.7364%1,029
Equity capital to assets10.5471%3,513
Core capital (leverage) ratio10.3251%3,198
Tier 1 risk-based capital ratio17.4837%2,085
Total risk-based capital ratio18.4672%2,118
Memoranda:
Average total assets$102,931,7504,342
Average earning assets$96,397,5004,297
Average equity$10,578,0004,525
Average total loans$49,252,0004,640
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9021%3,601
Cost of funding earning assets0.4543%2,531
Net interest margin3.4478%3,696
Noninterest income to average assets0.4971%3,214
Noninterest expense to average assets3.2582%1,673
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.3223%5,257
Return on assets (ROA)0.5514%4,587
Pretax return on assets0.6951%4,630
Return on Equity (ROE)5.4133%4,325
Retained earnings to average equity (ytd only)5.4133%2,475
Net charge-offs to loans5.9623%10
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)0.1615%3,547
Efficiency ratio87.4870%754
Assets per employee ($millions)3.8037%4,258
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.5436%1,705
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets45.9601%5,127
Net loans and leases to deposits51.7311%5,257
Net loans and leases to core deposits52.6157%5,341
Total domestic deposits to total assets88.8442%990
Equity capital to assets10.4654%3,674
Core capital (leverage) ratio10.1486%3,386
Tier 1 risk-based capital ratio17.0659%2,193
Total risk-based capital ratio18.0447%2,263
Memoranda:
Average total assets$103,002,3304,368
Average earning assets$96,409,0004,339
Average equity$10,492,6704,570
Average total loans$49,846,3304,653
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9378%3,443
Cost of funding earning assets0.4606%2,460
Net interest margin3.4772%3,566
Noninterest income to average assets0.4808%3,253
Noninterest expense to average assets3.3154%1,566
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.2172%5,495
Return on assets (ROA)0.6592%4,056
Pretax return on assets0.8570%4,016
Return on Equity (ROE)6.5605%3,693
Retained earnings to average equity (ytd only)6.5605%2,100
Net charge-offs to loans0.0945%1,570
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)8.9167%2,023
Efficiency ratio88.8773%754
Assets per employee ($millions)3.8312%4,246
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans4.4093%67
Loan loss allowance to noncurrent loans143.9532%2,848
Noncurrent assets plus other real estate owned to assets1.4868%1,377
Noncurrent loans to loans3.0630%520
Net loans and leases to total assets46.4004%5,088
Net loans and leases to deposits51.9875%5,231
Net loans and leases to core deposits52.8630%5,317
Total domestic deposits to total assets89.2530%971
Equity capital to assets10.0886%3,962
Core capital (leverage) ratio9.8964%3,665
Tier 1 risk-based capital ratio16.0568%2,659
Total risk-based capital ratio17.0097%2,735
Memoranda:
Average total assets$103,153,5004,407
Average earning assets$96,400,0004,373
Average equity$10,365,0004,601
Average total loans$50,799,0004,652
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8723%3,798
Cost of funding earning assets0.4966%2,184
Net interest margin3.3757%4,011
Noninterest income to average assets0.3239%4,579
Noninterest expense to average assets3.3518%1,604
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.1392%5,702
Return on assets (ROA)0.2823%5,486
Pretax return on assets0.2630%5,592
Return on Equity (ROE)2.5898%5,433
Retained earnings to average equity (ytd only)1.5255%4,851
Net charge-offs to loans-0.2261%5,969
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.5469%381
Assets per employee ($millions)3.7067%4,459
Cash dividends to net income (ytd only)*41.0959%2,789
Condition Ratios (%)
Loss allowance to loans1.6074%1,588
Loan loss allowance to noncurrent loans1,558.4906%406
Noncurrent assets plus other real estate owned to assets0.0511%5,474
Noncurrent loans to loans0.1031%5,086
Net loans and leases to total assets48.7147%4,965
Net loans and leases to deposits54.9918%5,112
Net loans and leases to core deposits55.9212%5,207
Total domestic deposits to total assets88.5854%1,335
Equity capital to assets10.8086%3,020
Core capital (leverage) ratio11.2260%2,182
Tier 1 risk-based capital ratio17.6291%2,084
Total risk-based capital ratio18.6002%2,117
Memoranda:
Average total assets$103,438,4004,397
Average earning assets$96,455,2004,383
Average equity$11,275,2004,429
Average total loans$48,661,2004,714
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8334%3,987
Cost of funding earning assets0.5058%2,162
Net interest margin3.3275%4,227
Noninterest income to average assets0.4993%3,366
Noninterest expense to average assets3.2677%1,783
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.2833%5,506
Return on assets (ROA)0.4464%5,077
Pretax return on assets0.5186%5,175
Return on Equity (ROE)4.0863%4,997
Retained earnings to average equity (ytd only)4.0863%3,550
Net charge-offs to loans0.1584%1,559
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)4.4736%3,346
Efficiency ratio90.8537%639
Assets per employee ($millions)3.6476%4,525
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.3461%2,879
Loan loss allowance to noncurrent loans60.9982%4,661
Noncurrent assets plus other real estate owned to assets2.3381%772
Noncurrent loans to loans2.2068%996
Net loans and leases to total assets47.3603%5,126
Net loans and leases to deposits53.8023%5,263
Net loans and leases to core deposits54.7412%5,370
Total domestic deposits to total assets88.0265%1,538
Equity capital to assets11.1647%2,830
Core capital (leverage) ratio11.3093%2,185
Tier 1 risk-based capital ratio18.7337%1,841
Total risk-based capital ratio19.7143%1,873
Memoranda:
Average total assets$103,351,0004,444
Average earning assets$96,204,7504,432
Average equity$11,289,5004,479
Average total loans$47,980,0004,785
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7589%4,214
Cost of funding earning assets0.5057%2,200
Net interest margin3.2532%4,485
Noninterest income to average assets0.4838%3,476
Noninterest expense to average assets3.0996%2,243
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.3433%5,316
Return on assets (ROA)0.5744%4,553
Pretax return on assets0.7074%4,632
Return on Equity (ROE)5.2970%4,489
Retained earnings to average equity (ytd only)5.2970%2,674
Net charge-offs to loans0.3527%749
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)2.6071%3,313
Efficiency ratio88.0131%907
Assets per employee ($millions)3.7813%4,280
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.3201%3,134
Loan loss allowance to noncurrent loans26.8790%5,561
Noncurrent assets plus other real estate owned to assets2.4604%776
Noncurrent loans to loans4.9114%238
Net loans and leases to total assets44.6910%5,337
Net loans and leases to deposits50.4456%5,481
Net loans and leases to core deposits51.2888%5,564
Total domestic deposits to total assets88.5923%1,365
Equity capital to assets10.5822%3,352
Core capital (leverage) ratio10.6722%2,766
Tier 1 risk-based capital ratio17.9681%2,068
Total risk-based capital ratio18.9239%2,115
Memoranda:
Average total assets$103,756,6704,472
Average earning assets$96,890,6704,447
Average equity$11,251,6704,522
Average total loans$47,629,6704,830
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7444%4,217
Cost of funding earning assets0.5201%2,112
Net interest margin3.2243%4,504
Noninterest income to average assets0.4596%3,575
Noninterest expense to average assets2.9563%2,718
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3756%5,160
Return on assets (ROA)0.7907%3,448
Pretax return on assets1.0984%3,086
Return on Equity (ROE)7.2015%3,404
Retained earnings to average equity (ytd only)7.2015%1,922
Net charge-offs to loans0.4803%519
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)2.3509%2,774
Efficiency ratio84.9944%1,270
Assets per employee ($millions)3.9587%4,042
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3989%2,923
Loan loss allowance to noncurrent loans27.6266%5,586
Noncurrent assets plus other real estate owned to assets2.5640%827
Noncurrent loans to loans5.0635%260
Net loans and leases to total assets45.1981%5,255
Net loans and leases to deposits51.3103%5,372
Net loans and leases to core deposits52.1957%5,478
Total domestic deposits to total assets88.0877%1,768
Equity capital to assets11.0515%2,918
Core capital (leverage) ratio11.0807%2,333
Tier 1 risk-based capital ratio18.6334%1,965
Total risk-based capital ratio19.5822%2,010
Memoranda:
Average total assets$102,697,0004,535
Average earning assets$96,143,5004,500
Average equity$11,275,5004,548
Average total loans$47,469,5004,870
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1736%3,034
Cost of funding earning assets0.5771%1,983
Net interest margin3.5966%3,424
Noninterest income to average assets0.4975%3,533
Noninterest expense to average assets3.1893%2,242
Loan and lease loss provision to assets0.1481%1,776
Net operating income to assets0.4168%5,169
Return on assets (ROA)0.5686%4,601
Pretax return on assets0.6752%4,708
Return on Equity (ROE)5.2631%4,521
Retained earnings to average equity (ytd only)4.1666%3,231
Net charge-offs to loans0.5180%789
Credit loss provision to net charge-offs59.0551%3,304
Earnings coverage of net charge-offs (x)2.5630%4,121
Efficiency ratio83.2303%1,491
Assets per employee ($millions)3.9410%4,080
Cash dividends to net income (ytd only)*20.8333%3,783
Condition Ratios (%)
Loss allowance to loans1.5013%2,464
Loan loss allowance to noncurrent loans65.1818%4,653
Noncurrent assets plus other real estate owned to assets1.3175%2,135
Noncurrent loans to loans2.3033%1,130
Net loans and leases to total assets45.9084%5,329
Net loans and leases to deposits52.0118%5,481
Net loans and leases to core deposits52.9115%5,571
Total domestic deposits to total assets88.2655%1,631
Equity capital to assets10.9069%3,000
Core capital (leverage) ratio11.0174%2,398
Tier 1 risk-based capital ratio18.3196%2,047
Total risk-based capital ratio19.3228%2,078
Memoranda:
Average total assets$101,308,8004,572
Average earning assets$93,922,6004,554
Average equity$10,944,2004,573
Average total loans$49,033,4004,853
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1474%3,179
Cost of funding earning assets0.5778%2,037
Net interest margin3.5696%3,555
Noninterest income to average assets0.4949%3,579
Noninterest expense to average assets3.1228%2,399
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.5821%4,526
Return on assets (ROA)0.5821%4,612
Pretax return on assets0.6744%4,783
Return on Equity (ROE)5.4012%4,533
Retained earnings to average equity (ytd only)5.4012%2,825
Net charge-offs to loans0.0270%3,956
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)51.1118%964
Efficiency ratio82.2384%1,585
Assets per employee ($millions)3.9268%4,030
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.6445%2,153
Loan loss allowance to noncurrent loans307.1970%1,500
Noncurrent assets plus other real estate owned to assets0.5034%4,375
Noncurrent loans to loans0.5353%4,331
Net loans and leases to total assets47.5078%5,244
Net loans and leases to deposits53.9323%5,396
Net loans and leases to core deposits54.8787%5,512
Total domestic deposits to total assets88.0878%1,716
Equity capital to assets10.8779%3,089
Core capital (leverage) ratio11.1167%2,379
Tier 1 risk-based capital ratio18.0165%2,204
Total risk-based capital ratio18.9966%2,259
Memoranda:
Average total assets$101,019,2504,622
Average earning assets$93,454,7504,610
Average equity$10,886,2504,617
Average total loans$49,352,2504,886
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1372%3,197
Cost of funding earning assets0.5840%2,038
Net interest margin3.5533%3,557
Noninterest income to average assets0.4788%3,642
Noninterest expense to average assets3.1075%2,465
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.5603%4,543
Return on assets (ROA)0.5603%4,649
Pretax return on assets0.6477%4,795
Return on Equity (ROE)5.2159%4,575
Retained earnings to average equity (ytd only)5.2159%2,820
Net charge-offs to loans0.0041%4,243
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)326.0000%214
Efficiency ratio82.7513%1,663
Assets per employee ($millions)3.7599%4,334
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.6270%2,368
Loan loss allowance to noncurrent loans302.5830%1,511
Noncurrent assets plus other real estate owned to assets0.5132%4,466
Noncurrent loans to loans0.5377%4,396
Net loans and leases to total assets48.8367%5,100
Net loans and leases to deposits55.3635%5,248
Net loans and leases to core deposits56.1479%5,401
Total domestic deposits to total assets88.2110%1,784
Equity capital to assets10.7794%3,116
Core capital (leverage) ratio11.0261%2,401
Tier 1 risk-based capital ratio17.5376%2,400
Total risk-based capital ratio18.5271%2,464
Memoranda:
Average total assets$100,660,0004,672
Average earning assets$92,815,6704,663
Average equity$10,813,0004,650
Average total loans$49,364,6704,910
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1502%3,070
Cost of funding earning assets0.5892%2,072
Net interest margin3.5610%3,428
Noninterest income to average assets0.4310%3,942
Noninterest expense to average assets3.0410%2,728
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5787%4,306
Return on assets (ROA)0.5787%4,376
Pretax return on assets0.6705%4,595
Return on Equity (ROE)5.3964%4,335
Retained earnings to average equity (ytd only)5.3964%2,855
Net charge-offs to loans0.0164%3,264
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)84.0000%521
Efficiency ratio81.9355%1,933
Assets per employee ($millions)3.7434%4,437
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.6799%2,419
Loan loss allowance to noncurrent loans190.4651%2,174
Noncurrent assets plus other real estate owned to assets0.6728%4,100
Noncurrent loans to loans0.8820%3,677
Net loans and leases to total assets47.4261%5,196
Net loans and leases to deposits53.7015%5,315
Net loans and leases to core deposits54.4623%5,468
Total domestic deposits to total assets88.3144%2,047
Equity capital to assets10.6814%3,063
Core capital (leverage) ratio11.1410%2,269
Tier 1 risk-based capital ratio17.6728%2,424
Total risk-based capital ratio18.6487%2,485
Memoranda:
Average total assets$100,231,0004,731
Average earning assets$92,333,5004,715
Average equity$10,748,0004,680
Average total loans$48,848,0004,974
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4701%2,321
Cost of funding earning assets0.7125%1,727
Net interest margin3.7576%2,812
Noninterest income to average assets0.6426%2,846
Noninterest expense to average assets3.5053%1,635
Loan and lease loss provision to assets0.0509%4,119
Net operating income to assets0.3806%5,215
Return on assets (ROA)0.4919%4,902
Pretax return on assets0.5173%5,151
Return on Equity (ROE)4.4483%4,912
Retained earnings to average equity (ytd only)3.3431%3,852
Net charge-offs to loans0.0382%4,697
Credit loss provision to net charge-offs263.1579%862
Earnings coverage of net charge-offs (x)23.3158%1,414
Efficiency ratio88.5972%1,156
Assets per employee ($millions)3.6811%4,523
Cash dividends to net income (ytd only)*24.8447%3,519
Condition Ratios (%)
Loss allowance to loans1.6775%2,474
Loan loss allowance to noncurrent loans189.1705%2,196
Noncurrent assets plus other real estate owned to assets0.8753%3,702
Noncurrent loans to loans0.8868%3,770
Net loans and leases to total assets48.4168%5,251
Net loans and leases to deposits54.9207%5,389
Net loans and leases to core deposits55.7137%5,556
Total domestic deposits to total assets88.1576%2,086
Equity capital to assets10.7658%2,861
Core capital (leverage) ratio11.1094%2,281
Tier 1 risk-based capital ratio17.3881%2,458
Total risk-based capital ratio18.3632%2,532
Memoranda:
Average total assets$98,195,2004,789
Average earning assets$86,597,6004,865
Average equity$10,858,2004,663
Average total loans$49,724,2004,966
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4984%2,235
Cost of funding earning assets0.7388%1,673
Net interest margin3.7595%2,802
Noninterest income to average assets0.6878%2,678
Noninterest expense to average assets3.5451%1,509
Loan and lease loss provision to assets0.0681%3,693
Net operating income to assets0.3465%5,447
Return on assets (ROA)0.4985%4,963
Pretax return on assets0.5162%5,307
Return on Equity (ROE)4.4779%4,988
Retained earnings to average equity (ytd only)4.4779%3,483
Net charge-offs to loans-0.0027%5,709
Credit loss provision to net charge-offs-5,000.0000%6,355
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.2355%1,063
Assets per employee ($millions)3.6341%4,589
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.6854%2,676
Loan loss allowance to noncurrent loans165.2259%2,350
Noncurrent assets plus other real estate owned to assets0.9631%3,739
Noncurrent loans to loans1.0201%3,763
Net loans and leases to total assets49.9980%5,131
Net loans and leases to deposits56.9508%5,285
Net loans and leases to core deposits58.0019%5,452
Total domestic deposits to total assets87.7915%2,254
Equity capital to assets10.9427%2,813
Core capital (leverage) ratio11.1508%2,341
Tier 1 risk-based capital ratio17.2671%2,598
Total risk-based capital ratio18.2760%2,660
Memoranda:
Average total assets$97,896,7504,835
Average earning assets$85,540,2504,940
Average equity$10,897,7504,707
Average total loans$49,919,7505,010
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5592%1,999
Cost of funding earning assets0.7757%1,550
Net interest margin3.7834%2,620
Noninterest income to average assets0.7687%2,335
Noninterest expense to average assets3.6290%1,367
Loan and lease loss provision to assets0.1022%3,087
Net operating income to assets0.2883%5,638
Return on assets (ROA)0.5091%4,927
Pretax return on assets0.5091%5,339
Return on Equity (ROE)4.5474%4,974
Retained earnings to average equity (ytd only)4.5474%3,372
Net charge-offs to loans-0.0240%6,033
Credit loss provision to net charge-offs-833.3333%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.2848%1,039
Assets per employee ($millions)3.8226%4,163
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.6971%2,786
Loan loss allowance to noncurrent loans180.7692%2,157
Noncurrent assets plus other real estate owned to assets0.9398%3,908
Noncurrent loans to loans0.9388%4,045
Net loans and leases to total assets49.3068%5,184
Net loans and leases to deposits56.2242%5,314
Net loans and leases to core deposits57.2495%5,502
Total domestic deposits to total assets87.6967%2,445
Equity capital to assets10.9832%2,770
Core capital (leverage) ratio10.8382%2,517
Tier 1 risk-based capital ratio16.8620%2,764
Total risk-based capital ratio17.8343%2,858
Memoranda:
Average total assets$97,822,3304,865
Average earning assets$84,050,3305,005
Average equity$10,951,3304,735
Average total loans$49,926,6705,026
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5975%1,828
Cost of funding earning assets0.7877%1,598
Net interest margin3.8098%2,409
Noninterest income to average assets1.0305%1,398
Noninterest expense to average assets4.0107%876
Loan and lease loss provision to assets0.2061%1,804
Net operating income to assets0.1195%6,114
Return on assets (ROA)0.5647%4,537
Pretax return on assets0.5482%5,118
Return on Equity (ROE)4.9959%4,572
Retained earnings to average equity (ytd only)4.9959%3,237
Net charge-offs to loans-0.0080%5,374
Credit loss provision to net charge-offs-5,000.0000%5,876
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.8435%915
Assets per employee ($millions)3.5562%4,873
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6474%3,205
Loan loss allowance to noncurrent loans4,947.0588%129
Noncurrent assets plus other real estate owned to assets0.4851%5,169
Noncurrent loans to loans0.0333%6,395
Net loans and leases to total assets50.4253%4,928
Net loans and leases to deposits57.8723%5,056
Net loans and leases to core deposits58.9292%5,255
Total domestic deposits to total assets87.1321%2,881
Equity capital to assets11.2862%2,649
Core capital (leverage) ratio10.9696%2,289
Tier 1 risk-based capital ratio16.6335%2,935
Total risk-based capital ratio17.6262%3,021
Memoranda:
Average total assets$97,039,5004,925
Average earning assets$83,784,0005,050
Average equity$10,969,0004,777
Average total loans$49,964,5005,062
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8956%1,852
Cost of funding earning assets0.9722%1,513
Net interest margin3.9234%2,729
Noninterest income to average assets0.5032%3,875
Noninterest expense to average assets3.5058%1,802
Loan and lease loss provision to assets0.1355%3,931
Net operating income to assets0.3730%5,212
Return on assets (ROA)0.3730%5,441
Pretax return on assets0.3173%5,786
Return on Equity (ROE)3.3482%5,407
Retained earnings to average equity (ytd only)2.2164%4,679
Net charge-offs to loans0.3099%3,093
Credit loss provision to net charge-offs81.6456%3,776
Earnings coverage of net charge-offs (x)2.7278%4,066
Efficiency ratio88.5616%1,190
Assets per employee ($millions)3.5002%5,003
Cash dividends to net income (ytd only)*33.8028%3,203
Condition Ratios (%)
Loss allowance to loans1.6163%3,235
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.9798%4,069
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets50.8835%5,053
Net loans and leases to deposits58.9357%5,134
Net loans and leases to core deposits59.8571%5,376
Total domestic deposits to total assets86.3374%3,179
Equity capital to assets11.3220%2,608
Core capital (leverage) ratio11.0379%2,225
Tier 1 risk-based capital ratio17.3069%2,522
Total risk-based capital ratio18.3109%2,588
Memoranda:
Average total assets$95,185,8004,958
Average earning assets$83,830,8005,022
Average equity$10,602,6004,843
Average total loans$50,976,0005,067
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9435%1,851
Cost of funding earning assets1.0109%1,493
Net interest margin3.9327%2,790
Noninterest income to average assets0.5523%3,598
Noninterest expense to average assets3.5012%1,757
Loan and lease loss provision to assets0.1804%3,333
Net operating income to assets0.3691%5,375
Return on assets (ROA)0.3691%5,576
Pretax return on assets0.3468%5,853
Return on Equity (ROE)3.3275%5,562
Retained earnings to average equity (ytd only)3.3275%4,528
Net charge-offs to loans0.5359%1,996
Credit loss provision to net charge-offs62.3188%4,093
Earnings coverage of net charge-offs (x)1.8213%4,352
Efficiency ratio86.9143%1,310
Assets per employee ($millions)3.4913%4,994
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.5447%3,753
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.1552%3,981
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets50.1008%5,302
Net loans and leases to deposits58.4223%5,385
Net loans and leases to core deposits59.5794%5,601
Total domestic deposits to total assets85.7563%3,385
Equity capital to assets11.4803%2,763
Core capital (leverage) ratio11.0275%2,354
Tier 1 risk-based capital ratio17.5881%2,503
Total risk-based capital ratio18.5872%2,560
Memoranda:
Average total assets$95,355,7505,008
Average earning assets$84,283,5005,066
Average equity$10,578,2504,894
Average total loans$51,500,5005,099
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9394%1,964
Cost of funding earning assets1.0421%1,510
Net interest margin3.8973%2,914
Noninterest income to average assets0.5558%3,552
Noninterest expense to average assets3.4664%1,865
Loan and lease loss provision to assets0.2695%2,430
Net operating income to assets0.3636%5,360
Return on assets (ROA)0.3636%5,586
Pretax return on assets0.2737%6,010
Return on Equity (ROE)3.3152%5,553
Retained earnings to average equity (ytd only)3.3152%4,395
Net charge-offs to loans0.5505%1,942
Credit loss provision to net charge-offs88.9655%3,077
Earnings coverage of net charge-offs (x)1.7931%4,081
Efficiency ratio86.4513%1,387
Assets per employee ($millions)3.5764%4,800
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.6132%3,555
Loan loss allowance to noncurrent loans257.3718%1,358
Noncurrent assets plus other real estate owned to assets1.4892%3,467
Noncurrent loans to loans0.6268%5,259
Net loans and leases to total assets50.7156%5,262
Net loans and leases to deposits58.8795%5,358
Net loans and leases to core deposits60.0115%5,588
Total domestic deposits to total assets86.1346%3,289
Equity capital to assets11.0466%3,066
Core capital (leverage) ratio10.8127%2,465
Tier 1 risk-based capital ratio16.9430%2,691
Total risk-based capital ratio17.9493%2,760
Memoranda:
Average total assets$95,719,0005,015
Average earning assets$84,827,6705,082
Average equity$10,497,0004,911
Average total loans$52,677,6705,075
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9656%2,017
Cost of funding earning assets1.0707%1,551
Net interest margin3.8948%2,950
Noninterest income to average assets0.5834%3,334
Noninterest expense to average assets3.6056%1,548
Loan and lease loss provision to assets0.5415%1,094
Net operating income to assets-0.0420%6,474
Return on assets (ROA)-0.0420%6,570
Pretax return on assets-0.0672%6,579
Return on Equity (ROE)-0.3842%6,575
Retained earnings to average equity (ytd only)-0.3842%6,062
Net charge-offs to loans1.0272%1,010
Credit loss provision to net charge-offs92.8058%2,498
Earnings coverage of net charge-offs (x)0.8129%3,928
Efficiency ratio88.3745%1,234
Assets per employee ($millions)3.7484%4,539
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5106%4,103
Loan loss allowance to noncurrent loans119.2931%2,629
Noncurrent assets plus other real estate owned to assets1.8521%3,112
Noncurrent loans to loans1.2663%4,212
Net loans and leases to total assets54.1889%4,688
Net loans and leases to deposits62.7661%4,802
Net loans and leases to core deposits63.9556%5,121
Total domestic deposits to total assets86.3348%3,339
Equity capital to assets10.6578%3,313
Core capital (leverage) ratio10.7472%2,500
Tier 1 risk-based capital ratio15.8566%3,245
Total risk-based capital ratio17.1033%3,222
Memoranda:
Average total assets$95,296,5005,050
Average earning assets$85,549,0005,099
Average equity$10,412,0004,937
Average total loans$54,128,5005,063
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2243%1,967
Cost of funding earning assets1.2529%1,721
Net interest margin3.9715%3,018
Noninterest income to average assets0.5295%3,654
Noninterest expense to average assets3.5898%1,765
Loan and lease loss provision to assets0.2948%3,306
Net operating income to assets0.3000%5,251
Return on assets (ROA)0.3284%5,304
Pretax return on assets0.2674%5,639
Return on Equity (ROE)3.0257%5,275
Retained earnings to average equity (ytd only)1.9008%4,849
Net charge-offs to loans0.5425%2,843
Credit loss provision to net charge-offs93.3333%3,862
Earnings coverage of net charge-offs (x)1.6900%4,505
Efficiency ratio87.0564%1,434
Assets per employee ($millions)3.4494%5,136
Cash dividends to net income (ytd only)*37.1795%2,754
Condition Ratios (%)
Loss allowance to loans1.4990%4,033
Loan loss allowance to noncurrent loans73.4529%3,922
Noncurrent assets plus other real estate owned to assets1.8307%3,214
Noncurrent loans to loans2.0408%3,154
Net loans and leases to total assets57.7834%4,414
Net loans and leases to deposits67.4589%4,517
Net loans and leases to core deposits68.8087%4,932
Total domestic deposits to total assets85.6572%3,508
Equity capital to assets11.2064%2,790
Core capital (leverage) ratio10.9221%2,329
Tier 1 risk-based capital ratio16.5669%2,792
Total risk-based capital ratio17.8216%2,760
Memoranda:
Average total assets$94,992,6005,045
Average earning assets$85,963,2005,057
Average equity$10,311,6004,942
Average total loans$55,303,4005,059
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2537%2,012
Cost of funding earning assets1.2819%1,808
Net interest margin3.9718%3,039
Noninterest income to average assets0.5210%3,716
Noninterest expense to average assets3.3634%2,299
Loan and lease loss provision to assets0.2654%3,386
Net operating income to assets0.4528%4,761
Return on assets (ROA)0.4553%4,940
Pretax return on assets0.5000%5,159
Return on Equity (ROE)4.2281%4,902
Retained earnings to average equity (ytd only)4.2281%3,721
Net charge-offs to loans0.3870%3,182
Credit loss provision to net charge-offs118.0124%2,763
Earnings coverage of net charge-offs (x)3.3913%3,453
Efficiency ratio81.5166%2,038
Assets per employee ($millions)3.2656%5,544
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.5678%3,812
Loan loss allowance to noncurrent loans76.8347%3,688
Noncurrent assets plus other real estate owned to assets2.0517%3,073
Noncurrent loans to loans2.0405%3,314
Net loans and leases to total assets57.6112%4,562
Net loans and leases to deposits67.7322%4,658
Net loans and leases to core deposits68.7565%5,092
Total domestic deposits to total assets85.0573%3,744
Equity capital to assets11.3651%2,805
Core capital (leverage) ratio11.0375%2,357
Tier 1 risk-based capital ratio16.4037%2,910
Total risk-based capital ratio17.6700%2,871
Memoranda:
Average total assets$95,457,2505,062
Average earning assets$86,641,7505,075
Average equity$10,280,2504,972
Average total loans$55,470,5005,096
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1094%2,635
Cost of funding earning assets1.3085%1,885
Net interest margin3.8010%3,781
Noninterest income to average assets0.5036%3,831
Noninterest expense to average assets3.3372%2,441
Loan and lease loss provision to assets0.2090%3,827
Net operating income to assets0.3782%5,042
Return on assets (ROA)0.3782%5,183
Pretax return on assets0.4054%5,379
Return on Equity (ROE)3.5773%5,121
Retained earnings to average equity (ytd only)3.5773%3,957
Net charge-offs to loans0.7317%2,043
Credit loss provision to net charge-offs49.2611%4,598
Earnings coverage of net charge-offs (x)1.4483%4,201
Efficiency ratio84.4527%1,764
Assets per employee ($millions)3.3965%5,209
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3696%4,733
Loan loss allowance to noncurrent loans78.5714%3,594
Noncurrent assets plus other real estate owned to assets1.8401%3,452
Noncurrent loans to loans1.7431%3,826
Net loans and leases to total assets55.8091%5,025
Net loans and leases to deposits65.5903%5,060
Net loans and leases to core deposits67.3216%5,356
Total domestic deposits to total assets85.0874%3,841
Equity capital to assets10.9810%2,980
Core capital (leverage) ratio10.5752%2,639
Tier 1 risk-based capital ratio16.0592%2,951
Total risk-based capital ratio17.2101%2,962
Memoranda:
Average total assets$95,709,0005,082
Average earning assets$86,819,6705,100
Average equity$10,119,3305,017
Average total loans$55,484,6705,150
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0108%3,059
Cost of funding earning assets1.3417%1,936
Net interest margin3.6691%4,250
Noninterest income to average assets0.4958%3,925
Noninterest expense to average assets3.4120%2,247
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.3999%4,945
Return on assets (ROA)0.3999%5,036
Pretax return on assets0.4333%5,237
Return on Equity (ROE)3.8564%4,978
Retained earnings to average equity (ytd only)3.8564%3,860
Net charge-offs to loans-0.1562%7,209
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.7324%1,439
Assets per employee ($millions)3.5782%4,804
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.5532%3,948
Loan loss allowance to noncurrent loans38.0300%5,762
Noncurrent assets plus other real estate owned to assets2.3434%2,903
Noncurrent loans to loans4.0841%1,764
Net loans and leases to total assets56.4868%4,912
Net loans and leases to deposits66.0378%4,972
Net loans and leases to core deposits67.4282%5,366
Total domestic deposits to total assets85.5370%3,764
Equity capital to assets10.4583%3,230
Core capital (leverage) ratio10.6501%2,471
Tier 1 risk-based capital ratio15.7758%3,011
Total risk-based capital ratio17.0301%2,970
Memoranda:
Average total assets$96,013,0005,107
Average earning assets$87,651,0005,104
Average equity$9,957,5005,058
Average total loans$56,321,0005,159
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9935%4,595
Cost of funding earning assets1.5368%2,428
Net interest margin3.4567%5,407
Noninterest income to average assets0.5209%4,018
Noninterest expense to average assets3.6239%1,868
Loan and lease loss provision to assets0.1013%6,133
Net operating income to assets0.1236%5,531
Return on assets (ROA)0.3932%4,716
Pretax return on assets0.2473%5,365
Return on Equity (ROE)3.6091%4,695
Retained earnings to average equity (ytd only)-6.6229%6,436
Net charge-offs to loans0.0654%6,139
Credit loss provision to net charge-offs277.7778%978
Earnings coverage of net charge-offs (x)2.1667%4,094
Efficiency ratio97.8654%876
Assets per employee ($millions)3.5339%4,862
Cash dividends to net income (ytd only)*283.5052%73
Condition Ratios (%)
Loss allowance to loans1.4666%4,207
Loan loss allowance to noncurrent loans35.4158%5,956
Noncurrent assets plus other real estate owned to assets2.4829%2,786
Noncurrent loans to loans4.1410%1,748
Net loans and leases to total assets59.0783%4,827
Net loans and leases to deposits69.1771%4,937
Net loans and leases to core deposits70.5335%5,397
Total domestic deposits to total assets85.4015%3,660
Equity capital to assets10.2826%3,400
Core capital (leverage) ratio10.2033%2,860
Tier 1 risk-based capital ratio15.3121%3,093
Total risk-based capital ratio16.5611%3,051
Memoranda:
Average total assets$98,677,8005,023
Average earning assets$90,837,8004,992
Average equity$10,750,6004,920
Average total loans$55,014,2005,274
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9595%4,994
Cost of funding earning assets1.5551%2,636
Net interest margin3.4044%5,664
Noninterest income to average assets0.4918%4,254
Noninterest expense to average assets3.1961%2,942
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.4462%4,555
Return on assets (ROA)0.8027%3,143
Pretax return on assets0.7853%3,967
Return on Equity (ROE)7.2700%3,219
Retained earnings to average equity (ytd only)7.2700%1,713
Net charge-offs to loans-0.0073%7,241
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.1701%1,441
Assets per employee ($millions)3.5709%4,800
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3902%4,517
Loan loss allowance to noncurrent loans36.4574%5,903
Noncurrent assets plus other real estate owned to assets2.1343%3,289
Noncurrent loans to loans3.8133%2,014
Net loans and leases to total assets55.1923%5,671
Net loans and leases to deposits66.8840%5,561
Net loans and leases to core deposits68.1932%5,918
Total domestic deposits to total assets82.5194%4,790
Equity capital to assets11.4207%2,592
Core capital (leverage) ratio11.4205%1,992
Tier 1 risk-based capital ratio17.2169%2,272
Total risk-based capital ratio18.3904%2,254
Memoranda:
Average total assets$99,493,7505,069
Average earning assets$91,565,5005,021
Average equity$10,985,5004,929
Average total loans$54,465,7505,369
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9762%5,049
Cost of funding earning assets1.5734%2,810
Net interest margin3.4028%5,633
Noninterest income to average assets0.4671%4,378
Noninterest expense to average assets3.2639%2,677
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.3443%4,995
Return on assets (ROA)0.8799%2,755
Pretax return on assets0.8698%3,622
Return on Equity (ROE)8.0620%2,862
Retained earnings to average equity (ytd only)8.0620%1,418
Net charge-offs to loans0.0259%5,974
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)23.7143%1,096
Efficiency ratio90.7107%1,281
Assets per employee ($millions)3.8268%4,163
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4216%4,329
Loan loss allowance to noncurrent loans37.2149%5,882
Noncurrent assets plus other real estate owned to assets2.0714%3,418
Noncurrent loans to loans3.8198%2,015
Net loans and leases to total assets53.4569%6,054
Net loans and leases to deposits63.4013%6,098
Net loans and leases to core deposits65.0411%6,306
Total domestic deposits to total assets84.3151%3,949
Equity capital to assets11.1742%2,707
Core capital (leverage) ratio11.3711%2,000
Tier 1 risk-based capital ratio18.6044%1,804
Total risk-based capital ratio19.8545%1,778
Memoranda:
Average total assets$99,330,0005,100
Average earning assets$91,395,6705,049
Average equity$10,841,0004,959
Average total loans$53,967,0005,425
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9624%5,185
Cost of funding earning assets1.6043%2,936
Net interest margin3.3581%5,757
Noninterest income to average assets0.4716%4,283
Noninterest expense to average assets3.1921%2,904
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.7537%3,194
Return on assets (ROA)0.7537%3,300
Pretax return on assets0.3587%5,419
Return on Equity (ROE)6.9890%3,346
Retained earnings to average equity (ytd only)6.9890%2,136
Net charge-offs to loans-0.1630%7,631
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.8978%1,445
Assets per employee ($millions)3.8858%4,131
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4626%4,116
Loan loss allowance to noncurrent loans72.4545%3,740
Noncurrent assets plus other real estate owned to assets1.1482%4,869
Noncurrent loans to loans2.0186%3,767
Net loans and leases to total assets53.1475%6,138
Net loans and leases to deposits62.8413%6,189
Net loans and leases to core deposits64.0229%6,449
Total domestic deposits to total assets84.5742%3,861
Equity capital to assets10.8075%2,947
Core capital (leverage) ratio11.1364%2,135
Tier 1 risk-based capital ratio17.4360%2,098
Total risk-based capital ratio18.6990%2,064
Memoranda:
Average total assets$99,246,5005,173
Average earning assets$91,005,0005,136
Average equity$10,702,5005,048
Average total loans$53,973,0005,492
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4174%4,607
Cost of funding earning assets1.9478%3,226
Net interest margin3.4695%5,084
Noninterest income to average assets0.4511%4,800
Noninterest expense to average assets3.3643%2,793
Loan and lease loss provision to assets0.3556%4,671
Net operating income to assets-0.0515%5,586
Return on assets (ROA)0.2234%4,889
Pretax return on assets0.2864%4,801
Return on Equity (ROE)2.0227%4,893
Retained earnings to average equity (ytd only)1.0731%4,290
Net charge-offs to loans0.3523%4,469
Credit loss provision to net charge-offs178.4211%2,339
Earnings coverage of net charge-offs (x)1.4526%4,674
Efficiency ratio92.0758%1,563
Assets per employee ($millions)3.7485%4,397
Cash dividends to net income (ytd only)*46.9484%2,609
Condition Ratios (%)
Loss allowance to loans1.4499%3,978
Loan loss allowance to noncurrent loans66.8680%4,058
Noncurrent assets plus other real estate owned to assets1.2508%4,591
Noncurrent loans to loans2.1683%3,431
Net loans and leases to total assets54.0503%6,196
Net loans and leases to deposits64.2956%6,229
Net loans and leases to core deposits77.8684%6,268
Total domestic deposits to total assets84.0654%3,999
Equity capital to assets10.7592%2,909
Core capital (leverage) ratio10.9056%2,279
Tier 1 risk-based capital ratio17.5924%2,000
Total risk-based capital ratio18.8530%1,957
Memoranda:
Average total assets$95,324,4005,232
Average earning assets$87,995,0005,196
Average equity$10,530,4005,152
Average total loans$53,931,8005,506
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4306%4,789
Cost of funding earning assets1.9918%3,402
Net interest margin3.4388%5,119
Noninterest income to average assets0.4445%4,938
Noninterest expense to average assets3.3350%2,784
Loan and lease loss provision to assets0.1815%5,552
Net operating income to assets0.0827%5,519
Return on assets (ROA)0.5036%4,059
Pretax return on assets0.5753%4,280
Return on Equity (ROE)4.5280%4,147
Retained earnings to average equity (ytd only)4.5280%2,740
Net charge-offs to loans0.3651%3,824
Credit loss provision to net charge-offs87.1622%5,562
Earnings coverage of net charge-offs (x)1.3378%4,784
Efficiency ratio92.2927%1,522
Assets per employee ($millions)3.7168%4,387
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1152%5,628
Loan loss allowance to noncurrent loans47.3110%5,160
Noncurrent assets plus other real estate owned to assets1.3898%4,314
Noncurrent loans to loans2.3571%3,196
Net loans and leases to total assets55.6987%6,176
Net loans and leases to deposits66.9932%6,213
Net loans and leases to core deposits79.7644%6,377
Total domestic deposits to total assets83.1409%4,153
Equity capital to assets11.0828%2,941
Core capital (leverage) ratio11.6353%2,000
Tier 1 risk-based capital ratio17.8611%2,029
Total risk-based capital ratio18.8412%2,057
Memoranda:
Average total assets$94,790,2505,276
Average earning assets$87,354,2505,253
Average equity$10,541,5005,183
Average total loans$54,051,5005,553
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5396%4,389
Cost of funding earning assets2.0326%3,609
Net interest margin3.5069%4,767
Noninterest income to average assets0.4269%5,064
Noninterest expense to average assets3.3427%2,812
Loan and lease loss provision to assets0.1274%5,826
Net operating income to assets0.1557%5,401
Return on assets (ROA)0.7390%3,200
Pretax return on assets0.8962%3,352
Return on Equity (ROE)6.6378%3,367
Retained earnings to average equity (ytd only)6.6378%1,725
Net charge-offs to loans0.0742%5,464
Credit loss provision to net charge-offs300.0000%1,545
Earnings coverage of net charge-offs (x)7.3500%2,453
Efficiency ratio91.4585%1,682
Assets per employee ($millions)3.6278%4,503
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2046%4,899
Loan loss allowance to noncurrent loans226.1017%1,346
Noncurrent assets plus other real estate owned to assets0.3944%6,480
Noncurrent loans to loans0.5328%6,204
Net loans and leases to total assets57.9954%5,963
Net loans and leases to deposits69.9697%5,990
Net loans and leases to core deposits83.1466%6,150
Total domestic deposits to total assets82.8865%4,296
Equity capital to assets10.9676%2,949
Core capital (leverage) ratio11.6566%1,997
Tier 1 risk-based capital ratio18.0811%1,995
Total risk-based capital ratio19.1724%1,975
Memoranda:
Average total assets$94,175,0005,336
Average earning assets$86,685,6705,311
Average equity$10,485,3305,219
Average total loans$53,924,6705,601
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6747%3,920
Cost of funding earning assets2.0451%3,899
Net interest margin3.6296%4,188
Noninterest income to average assets0.2763%6,217
Noninterest expense to average assets3.3368%2,547
Loan and lease loss provision to assets0.1275%5,326
Net operating income to assets0.1615%5,782
Return on assets (ROA)0.1615%5,952
Pretax return on assets0.1615%6,024
Return on Equity (ROE)1.4400%5,990
Retained earnings to average equity (ytd only)1.4400%5,046
Net charge-offs to loans-0.1128%7,908
Credit loss provision to net charge-offs-200.0000%6,268
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.0281%1,564
Assets per employee ($millions)3.6578%4,431
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2795%4,209
Loan loss allowance to noncurrent loans47.9971%5,323
Noncurrent assets plus other real estate owned to assets1.9032%3,054
Noncurrent loans to loans2.6658%2,463
Net loans and leases to total assets54.4372%6,421
Net loans and leases to deposits65.8912%6,386
Net loans and leases to core deposits77.6076%6,562
Total domestic deposits to total assets82.6169%4,326
Equity capital to assets11.0237%2,939
Core capital (leverage) ratio11.3414%2,251
Tier 1 risk-based capital ratio18.0790%2,032
Total risk-based capital ratio19.2085%2,011
Memoranda:
Average total assets$94,101,0005,372
Average earning assets$86,842,0005,324
Average equity$10,555,5005,225
Average total loans$53,202,0005,664
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2672%4,143
Cost of funding earning assets2.3948%4,737
Net interest margin3.8724%3,697
Noninterest income to average assets0.5803%4,005
Noninterest expense to average assets3.3232%2,887
Loan and lease loss provision to assets0.1820%5,075
Net operating income to assets0.6125%4,253
Return on assets (ROA)0.4593%4,733
Pretax return on assets0.4657%5,083
Return on Equity (ROE)4.2242%4,725
Retained earnings to average equity (ytd only)4.2242%2,492
Net charge-offs to loans0.2099%4,110
Credit loss provision to net charge-offs154.5455%3,376
Earnings coverage of net charge-offs (x)6.8000%3,268
Efficiency ratio80.5815%2,522
Assets per employee ($millions)3.5807%4,471
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1601%4,844
Loan loss allowance to noncurrent loans166.0477%2,271
Noncurrent assets plus other real estate owned to assets1.0784%4,138
Noncurrent loans to loans0.6987%5,285
Net loans and leases to total assets57.2891%6,306
Net loans and leases to deposits69.6934%6,299
Net loans and leases to core deposits82.2183%6,439
Total domestic deposits to total assets82.2016%4,122
Equity capital to assets11.4149%2,691
Core capital (leverage) ratio11.4282%2,297
Tier 1 risk-based capital ratio17.3334%2,220
Total risk-based capital ratio18.3472%2,229
Memoranda:
Average total assets$93,404,6005,245
Average earning assets$85,477,4005,247
Average equity$10,155,8005,360
Average total loans$52,408,4005,603