Home > The First Bank and Trust Company of Murphysboro > Performance and Condition Ratios

The First Bank and Trust Company of Murphysboro, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2452%3,696
Cost of funding earning assets0.7371%2,988
Net interest margin3.5081%3,423
Noninterest income to average assets0.3094%3,842
Noninterest expense to average assets3.3453%1,218
Loan and lease loss provision to assets0.2440%767
Net operating income to assets-0.0332%4,984
Return on assets (ROA)0.0101%4,987
Pretax return on assets0.0126%4,980
Return on Equity (ROE)0.1172%4,986
Retained earnings to average equity (ytd only)-0.9669%4,803
Net charge-offs to loans0.6386%278
Credit loss provision to net charge-offs61.1987%3,024
Earnings coverage of net charge-offs (x)0.5079%3,609
Efficiency ratio94.2928%242
Assets per employee ($millions)3.2190%4,688
Cash dividends to net income (ytd only)*925.0000%10
Condition Ratios (%)
Loss allowance to loans0.8824%4,043
Loan loss allowance to noncurrent loans15.3820%4,560
Noncurrent assets plus other real estate owned to assets5.9103%38
Noncurrent loans to loans5.7367%77
Net loans and leases to total assets64.9913%3,071
Net loans and leases to deposits73.0047%3,436
Net loans and leases to core deposits78.6605%3,400
Total domestic deposits to total assets89.0234%662
Equity capital to assets8.9729%4,696
Core capital (leverage) ratio8.7675%4,687
Tier 1 risk-based capital ratio12.4648%4,089
Total risk-based capital ratio13.2757%4,221
Memoranda:
Average total assets$79,514,4004,295
Average earning assets$73,400,6004,291
Average equity$6,826,2004,657
Average total loans$49,642,2004,194
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2863%3,698
Cost of funding earning assets0.7388%3,019
Net interest margin3.5476%3,413
Noninterest income to average assets0.3197%3,832
Noninterest expense to average assets3.4215%1,049
Loan and lease loss provision to assets0.2980%495
Net operating income to assets-0.1052%5,085
Return on assets (ROA)-0.0566%5,086
Pretax return on assets-0.0699%5,082
Return on Equity (ROE)-0.6666%5,091
Retained earnings to average equity (ytd only)-1.4118%4,892
Net charge-offs to loans0.7856%206
Credit loss provision to net charge-offs61.5120%2,696
Earnings coverage of net charge-offs (x)0.3471%3,364
Efficiency ratio95.3154%212
Assets per employee ($millions)2.8273%4,967
Cash dividends to net income (ytd only)*-111.7803%5,243
Condition Ratios (%)
Loss allowance to loans0.9185%3,971
Loan loss allowance to noncurrent loans25.6855%4,563
Noncurrent assets plus other real estate owned to assets4.4085%93
Noncurrent loans to loans3.5758%216
Net loans and leases to total assets62.5478%3,438
Net loans and leases to deposits70.4293%3,741
Net loans and leases to core deposits76.1820%3,686
Total domestic deposits to total assets88.8094%684
Equity capital to assets8.8309%4,863
Core capital (leverage) ratio8.7812%4,789
Tier 1 risk-based capital ratio12.4503%4,174
Total risk-based capital ratio13.2821%4,293
Memoranda:
Average total assets$80,079,2504,339
Average earning assets$73,814,2504,341
Average equity$6,799,7504,720
Average total loans$49,388,7504,247
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2347%3,831
Cost of funding earning assets0.7365%2,966
Net interest margin3.4982%3,602
Noninterest income to average assets0.2463%4,279
Noninterest expense to average assets3.3663%1,160
Loan and lease loss provision to assets0.3956%307
Net operating income to assets-0.2259%5,153
Return on assets (ROA)-0.1866%5,149
Pretax return on assets-0.2513%5,158
Return on Equity (ROE)-2.2268%5,168
Retained earnings to average equity (ytd only)-3.3551%4,985
Net charge-offs to loans1.1831%111
Credit loss provision to net charge-offs54.6392%2,436
Earnings coverage of net charge-offs (x)0.1306%3,103
Efficiency ratio97.2682%187
Assets per employee ($millions)2.8718%4,980
Cash dividends to net income (ytd only)*-50.6667%5,287
Condition Ratios (%)
Loss allowance to loans0.8808%4,166
Loan loss allowance to noncurrent loans81.5642%3,620
Noncurrent assets plus other real estate owned to assets2.6253%271
Noncurrent loans to loans1.0798%1,514
Net loans and leases to total assets61.3001%3,621
Net loans and leases to deposits68.6585%3,929
Net loans and leases to core deposits73.8391%3,902
Total domestic deposits to total assets89.2826%547
Equity capital to assets8.5660%5,016
Core capital (leverage) ratio8.5947%4,916
Tier 1 risk-based capital ratio12.3566%4,216
Total risk-based capital ratio13.1495%4,356
Memoranda:
Average total assets$80,384,0004,366
Average earning assets$73,866,3304,375
Average equity$6,736,0004,754
Average total loans$49,193,3304,275
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1752%3,944
Cost of funding earning assets0.7182%2,954
Net interest margin3.4570%3,726
Noninterest income to average assets0.1889%4,621
Noninterest expense to average assets3.3905%1,124
Loan and lease loss provision to assets0.0497%2,661
Net operating income to assets-0.0746%5,172
Return on assets (ROA)-0.0746%5,172
Pretax return on assets-0.0447%5,156
Return on Equity (ROE)-0.8891%5,181
Retained earnings to average equity (ytd only)-0.8891%4,637
Net charge-offs to loans0.4088%376
Credit loss provision to net charge-offs20.0000%2,136
Earnings coverage of net charge-offs (x)0.0200%2,678
Efficiency ratio99.8536%180
Assets per employee ($millions)2.7913%5,073
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0979%3,141
Loan loss allowance to noncurrent loans84.3949%3,615
Noncurrent assets plus other real estate owned to assets3.1341%192
Noncurrent loans to loans1.3009%1,259
Net loans and leases to total assets58.9791%3,785
Net loans and leases to deposits65.8642%4,061
Net loans and leases to core deposits69.5354%4,100
Total domestic deposits to total assets89.5465%623
Equity capital to assets8.5004%4,987
Core capital (leverage) ratio8.7887%4,799
Tier 1 risk-based capital ratio24.1521%830
Total risk-based capital ratio25.4081%809
Memoranda:
Average total assets$80,459,0004,411
Average earning assets$74,630,5004,401
Average equity$6,748,5004,796
Average total loans$48,925,0004,327
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2726%3,204
Cost of funding earning assets0.6104%2,643
Net interest margin3.6623%3,185
Noninterest income to average assets0.3861%3,522
Noninterest expense to average assets3.2634%1,410
Loan and lease loss provision to assets0.0767%2,597
Net operating income to assets0.4112%4,843
Return on assets (ROA)0.4112%4,835
Pretax return on assets0.4414%4,886
Return on Equity (ROE)5.0706%4,438
Retained earnings to average equity (ytd only)4.2642%3,205
Net charge-offs to loans0.0358%2,687
Credit loss provision to net charge-offs338.8889%925
Earnings coverage of net charge-offs (x)22.8889%1,881
Efficiency ratio86.2986%512
Assets per employee ($millions)2.8560%5,068
Cash dividends to net income (ytd only)*15.9021%3,638
Condition Ratios (%)
Loss allowance to loans1.1497%2,830
Loan loss allowance to noncurrent loans34.6294%4,572
Noncurrent assets plus other real estate owned to assets2.9174%225
Noncurrent loans to loans3.3201%283
Net loans and leases to total assets61.2825%3,632
Net loans and leases to deposits68.3329%3,952
Net loans and leases to core deposits71.8609%3,995
Total domestic deposits to total assets89.6823%585
Equity capital to assets8.2732%5,056
Core capital (leverage) ratio8.8187%4,797
Tier 1 risk-based capital ratio13.9565%3,310
Total risk-based capital ratio15.0911%3,294
Memoranda:
Average total assets$79,517,4004,436
Average earning assets$73,724,8004,426
Average equity$6,449,0004,833
Average total loans$50,332,6004,313
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3094%2,931
Cost of funding earning assets0.5930%2,524
Net interest margin3.7164%2,961
Noninterest income to average assets0.3778%3,616
Noninterest expense to average assets3.2541%1,400
Loan and lease loss provision to assets0.0772%2,414
Net operating income to assets0.4466%4,862
Return on assets (ROA)0.4466%4,868
Pretax return on assets0.4769%4,930
Return on Equity (ROE)5.5353%4,406
Retained earnings to average equity (ytd only)5.1190%3,176
Net charge-offs to loans0.0185%2,779
Credit loss provision to net charge-offs657.1429%554
Earnings coverage of net charge-offs (x)47.1586%1,219
Efficiency ratio85.4497%549
Assets per employee ($millions)2.6373%5,240
Cash dividends to net income (ytd only)*7.5199%3,463
Condition Ratios (%)
Loss allowance to loans1.1300%3,023
Loan loss allowance to noncurrent loans36.2588%4,641
Noncurrent assets plus other real estate owned to assets2.8981%260
Noncurrent loans to loans3.1166%339
Net loans and leases to total assets62.5897%3,589
Net loans and leases to deposits69.4213%3,967
Net loans and leases to core deposits72.7555%4,027
Total domestic deposits to total assets90.1593%457
Equity capital to assets8.0296%5,163
Core capital (leverage) ratio8.8631%4,835
Tier 1 risk-based capital ratio15.3611%2,714
Total risk-based capital ratio16.6063%2,644
Memoranda:
Average total assets$79,404,5004,484
Average earning assets$73,295,5004,478
Average equity$6,407,2504,890
Average total loans$50,521,5004,350
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2566%2,920
Cost of funding earning assets0.5675%2,450
Net interest margin3.6890%2,973
Noninterest income to average assets0.3321%3,961
Noninterest expense to average assets3.1422%1,684
Loan and lease loss provision to assets0.0780%2,348
Net operating income to assets0.4830%4,784
Return on assets (ROA)0.4830%4,789
Pretax return on assets0.5132%4,881
Return on Equity (ROE)5.9763%4,252
Retained earnings to average equity (ytd only)5.3538%2,905
Net charge-offs to loans0.0118%2,733
Credit loss provision to net charge-offs1,033.3333%394
Earnings coverage of net charge-offs (x)78.3333%831
Efficiency ratio84.1644%678
Assets per employee ($millions)2.8809%5,175
Cash dividends to net income (ytd only)*10.4167%3,291
Condition Ratios (%)
Loss allowance to loans1.1008%3,254
Loan loss allowance to noncurrent loans24.1095%4,839
Noncurrent assets plus other real estate owned to assets3.7650%158
Noncurrent loans to loans4.5660%165
Net loans and leases to total assets61.8124%3,626
Net loans and leases to deposits69.1640%3,931
Net loans and leases to core deposits71.6476%4,033
Total domestic deposits to total assets89.3709%780
Equity capital to assets8.0419%5,209
Core capital (leverage) ratio8.6769%4,973
Tier 1 risk-based capital ratio14.2845%3,212
Total risk-based capital ratio15.4322%3,186
Memoranda:
Average total assets$79,499,3304,523
Average earning assets$73,298,3304,520
Average equity$6,425,3304,941
Average total loans$50,666,3304,388
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4599%1,989
Cost of funding earning assets0.4816%2,946
Net interest margin3.9783%1,792
Noninterest income to average assets0.4815%2,926
Noninterest expense to average assets3.2591%1,432
Loan and lease loss provision to assets0.2078%785
Net operating income to assets0.6691%4,215
Return on assets (ROA)0.6691%4,218
Pretax return on assets0.6995%4,448
Return on Equity (ROE)8.2571%3,267
Retained earnings to average equity (ytd only)8.2571%1,745
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2238%1,331
Assets per employee ($millions)2.9997%5,154
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1204%3,265
Loan loss allowance to noncurrent loans28.7229%4,825
Noncurrent assets plus other real estate owned to assets3.5621%201
Noncurrent loans to loans3.9008%261
Net loans and leases to total assets62.0020%3,547
Net loans and leases to deposits71.3295%3,674
Net loans and leases to core deposits74.6917%3,767
Total domestic deposits to total assets86.9232%2,159
Equity capital to assets7.8466%5,310
Core capital (leverage) ratio8.8107%4,882
Tier 1 risk-based capital ratio13.7475%3,520
Total risk-based capital ratio14.8862%3,493
Memoranda:
Average total assets$78,916,5004,586
Average earning assets$73,096,0004,571
Average equity$6,394,5005,000
Average total loans$50,791,5004,426
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1968%2,696
Cost of funding earning assets0.3924%3,313
Net interest margin3.8045%2,415
Noninterest income to average assets0.3033%4,288
Noninterest expense to average assets3.4241%1,164
Loan and lease loss provision to assets0.1550%1,455
Net operating income to assets0.2488%5,020
Return on assets (ROA)0.2538%5,032
Pretax return on assets0.2659%5,250
Return on Equity (ROE)2.9359%4,844
Retained earnings to average equity (ytd only)1.3443%4,467
Net charge-offs to loans0.1658%1,481
Credit loss provision to net charge-offs148.7179%1,797
Earnings coverage of net charge-offs (x)3.9872%3,529
Efficiency ratio89.1788%465
Assets per employee ($millions)2.7444%5,363
Cash dividends to net income (ytd only)*54.2105%2,059
Condition Ratios (%)
Loss allowance to loans1.0374%3,700
Loan loss allowance to noncurrent loans47.5632%4,535
Noncurrent assets plus other real estate owned to assets2.2722%442
Noncurrent loans to loans2.1812%671
Net loans and leases to total assets65.4213%3,168
Net loans and leases to deposits75.8007%3,349
Net loans and leases to core deposits79.3444%3,467
Total domestic deposits to total assets86.3070%2,311
Equity capital to assets8.3730%5,213
Core capital (leverage) ratio8.7938%4,870
Tier 1 risk-based capital ratio14.2932%3,201
Total risk-based capital ratio15.4120%3,176
Memoranda:
Average total assets$74,850,8004,694
Average earning assets$69,576,0004,672
Average equity$6,471,6005,027
Average total loans$47,051,8004,537
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2011%2,613
Cost of funding earning assets0.3861%3,318
Net interest margin3.8150%2,344
Noninterest income to average assets0.2546%4,684
Noninterest expense to average assets3.4089%1,141
Loan and lease loss provision to assets0.1955%979
Net operating income to assets0.1781%5,373
Return on assets (ROA)0.1847%5,378
Pretax return on assets0.2008%5,388
Return on Equity (ROE)2.1190%5,289
Retained earnings to average equity (ytd only)0.6584%5,073
Net charge-offs to loans0.1879%1,116
Credit loss provision to net charge-offs167.6923%1,546
Earnings coverage of net charge-offs (x)3.3387%3,354
Efficiency ratio89.7545%417
Assets per employee ($millions)2.3814%5,555
Cash dividends to net income (ytd only)*68.9289%1,007
Condition Ratios (%)
Loss allowance to loans1.0694%3,671
Loan loss allowance to noncurrent loans65.2387%4,236
Noncurrent assets plus other real estate owned to assets1.7374%815
Noncurrent loans to loans1.6391%1,124
Net loans and leases to total assets64.7070%3,300
Net loans and leases to deposits75.0076%3,471
Net loans and leases to core deposits78.9112%3,546
Total domestic deposits to total assets86.2673%2,197
Equity capital to assets8.6254%5,209
Core capital (leverage) ratio8.8843%4,881
Tier 1 risk-based capital ratio15.0324%2,901
Total risk-based capital ratio16.2567%2,842
Memoranda:
Average total assets$74,353,0004,751
Average earning assets$69,059,2504,733
Average equity$6,481,0005,081
Average total loans$46,115,2504,606
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1568%2,641
Cost of funding earning assets0.3681%3,403
Net interest margin3.7887%2,325
Noninterest income to average assets0.3011%4,381
Noninterest expense to average assets3.3552%1,267
Loan and lease loss provision to assets0.1112%1,838
Net operating income to assets0.3290%5,153
Return on assets (ROA)0.3390%5,150
Pretax return on assets0.3635%5,247
Return on Equity (ROE)3.8758%4,854
Retained earnings to average equity (ytd only)1.6743%4,589
Net charge-offs to loans-0.0535%5,206
Credit loss provision to net charge-offs-341.6667%4,588
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.8551%556
Assets per employee ($millions)2.4844%5,561
Cash dividends to net income (ytd only)*56.8000%1,611
Condition Ratios (%)
Loss allowance to loans1.1333%3,404
Loan loss allowance to noncurrent loans73.1444%4,117
Noncurrent assets plus other real estate owned to assets1.7751%785
Noncurrent loans to loans1.5494%1,204
Net loans and leases to total assets63.4421%3,460
Net loans and leases to deposits71.8842%3,755
Net loans and leases to core deposits75.6145%3,806
Total domestic deposits to total assets88.2559%1,329
Equity capital to assets8.8527%5,035
Core capital (leverage) ratio9.2594%4,416
Tier 1 risk-based capital ratio15.8671%2,556
Total risk-based capital ratio17.1175%2,500
Memoranda:
Average total assets$73,735,6704,790
Average earning assets$68,466,6704,775
Average equity$6,450,3305,114
Average total loans$44,872,6704,664
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0557%2,822
Cost of funding earning assets0.3517%3,509
Net interest margin3.7041%2,477
Noninterest income to average assets0.4691%3,197
Noninterest expense to average assets3.2834%1,420
Loan and lease loss provision to assets0.3054%434
Net operating income to assets0.2805%5,245
Return on assets (ROA)0.2945%5,223
Pretax return on assets0.3436%5,242
Return on Equity (ROE)3.3874%4,992
Retained earnings to average equity (ytd only)3.3874%3,742
Net charge-offs to loans-0.1014%5,445
Credit loss provision to net charge-offs-509.0909%4,258
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.8440%983
Assets per employee ($millions)2.6466%5,579
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2377%2,902
Loan loss allowance to noncurrent loans53.6174%4,566
Noncurrent assets plus other real estate owned to assets1.8298%765
Noncurrent loans to loans2.3083%712
Net loans and leases to total assets58.2544%3,950
Net loans and leases to deposits66.4645%4,131
Net loans and leases to core deposits68.5630%4,251
Total domestic deposits to total assets87.6474%1,918
Equity capital to assets8.7145%5,065
Core capital (leverage) ratio9.2160%4,458
Tier 1 risk-based capital ratio16.2922%2,438
Total risk-based capital ratio17.5421%2,382
Memoranda:
Average total assets$73,338,0004,844
Average earning assets$68,249,5004,825
Average equity$6,376,5005,181
Average total loans$43,396,0004,744
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9360%3,437
Cost of funding earning assets0.3445%3,586
Net interest margin3.5915%3,100
Noninterest income to average assets0.3690%4,105
Noninterest expense to average assets3.4033%1,349
Loan and lease loss provision to assets0.1302%1,916
Net operating income to assets0.1528%5,493
Return on assets (ROA)0.2930%5,305
Pretax return on assets0.3581%5,285
Return on Equity (ROE)3.2454%5,088
Retained earnings to average equity (ytd only)0.8414%4,987
Net charge-offs to loans0.1276%1,970
Credit loss provision to net charge-offs184.6154%1,522
Earnings coverage of net charge-offs (x)4.5000%3,488
Efficiency ratio91.4692%485
Assets per employee ($millions)2.5918%5,621
Cash dividends to net income (ytd only)*74.0741%1,138
Condition Ratios (%)
Loss allowance to loans1.1003%3,714
Loan loss allowance to noncurrent loans38.7889%4,911
Noncurrent assets plus other real estate owned to assets1.9099%747
Noncurrent loans to loans2.8365%506
Net loans and leases to total assets58.7116%4,001
Net loans and leases to deposits66.7392%4,190
Net loans and leases to core deposits68.6004%4,355
Total domestic deposits to total assets87.9716%1,643
Equity capital to assets8.6744%5,127
Core capital (leverage) ratio9.0168%4,724
Tier 1 risk-based capital ratio16.8950%2,191
Total risk-based capital ratio18.1450%2,140
Memoranda:
Average total assets$73,721,6004,854
Average earning assets$68,800,8004,831
Average equity$6,655,6005,159
Average total loans$40,767,6004,847
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9142%3,535
Cost of funding earning assets0.3350%3,717
Net interest margin3.5792%3,164
Noninterest income to average assets0.3585%4,214
Noninterest expense to average assets3.3725%1,407
Loan and lease loss provision to assets0.1621%1,428
Net operating income to assets0.1486%5,558
Return on assets (ROA)0.2756%5,416
Pretax return on assets0.3207%5,431
Return on Equity (ROE)3.0240%5,212
Retained earnings to average equity (ytd only)1.3045%4,993
Net charge-offs to loans0.1327%1,645
Credit loss provision to net charge-offs225.0000%1,308
Earnings coverage of net charge-offs (x)4.6501%3,244
Efficiency ratio90.9621%512
Assets per employee ($millions)2.6974%5,605
Cash dividends to net income (ytd only)*56.8655%1,561
Condition Ratios (%)
Loss allowance to loans1.1466%3,561
Loan loss allowance to noncurrent loans46.5116%4,838
Noncurrent assets plus other real estate owned to assets1.6737%1,024
Noncurrent loans to loans2.4651%717
Net loans and leases to total assets56.8220%4,217
Net loans and leases to deposits64.9609%4,419
Net loans and leases to core deposits66.2006%4,594
Total domestic deposits to total assets87.4710%1,682
Equity capital to assets9.3669%4,795
Core capital (leverage) ratio9.1317%4,682
Tier 1 risk-based capital ratio16.2964%2,503
Total risk-based capital ratio17.5090%2,475
Memoranda:
Average total assets$74,009,5004,884
Average earning assets$69,250,2504,859
Average equity$6,745,7505,193
Average total loans$40,189,2504,912
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8000%3,958
Cost of funding earning assets0.3291%3,804
Net interest margin3.4710%3,606
Noninterest income to average assets0.5322%2,993
Noninterest expense to average assets3.3494%1,481
Loan and lease loss provision to assets0.2016%1,062
Net operating income to assets0.2030%5,518
Return on assets (ROA)0.3091%5,387
Pretax return on assets0.3683%5,392
Return on Equity (ROE)3.4225%5,119
Retained earnings to average equity (ytd only)0.8333%5,047
Net charge-offs to loans0.2069%1,121
Credit loss provision to net charge-offs182.9268%1,385
Earnings coverage of net charge-offs (x)4.0244%3,028
Efficiency ratio88.3062%700
Assets per employee ($millions)2.7926%5,613
Cash dividends to net income (ytd only)*75.6522%1,011
Condition Ratios (%)
Loss allowance to loans1.1350%3,750
Loan loss allowance to noncurrent loans50.1622%4,801
Noncurrent assets plus other real estate owned to assets1.5279%1,238
Noncurrent loans to loans2.2627%814
Net loans and leases to total assets53.6042%4,547
Net loans and leases to deposits61.4231%4,700
Net loans and leases to core deposits62.8286%4,826
Total domestic deposits to total assets87.2704%1,769
Equity capital to assets9.0412%5,209
Core capital (leverage) ratio9.1078%4,708
Tier 1 risk-based capital ratio17.6735%2,022
Total risk-based capital ratio18.9246%1,979
Memoranda:
Average total assets$74,402,3304,925
Average earning assets$69,894,3304,888
Average equity$6,720,3305,241
Average total loans$39,631,0004,985
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8745%3,684
Cost of funding earning assets0.3314%3,823
Net interest margin3.5430%3,309
Noninterest income to average assets0.5358%2,895
Noninterest expense to average assets3.4315%1,315
Loan and lease loss provision to assets0.3247%472
Net operating income to assets0.1094%5,665
Return on assets (ROA)0.2760%5,441
Pretax return on assets0.3410%5,424
Return on Equity (ROE)3.0576%5,210
Retained earnings to average equity (ytd only)3.0576%3,982
Net charge-offs to loans0.4410%514
Credit loss provision to net charge-offs139.5349%1,318
Earnings coverage of net charge-offs (x)1.9767%2,747
Efficiency ratio88.1780%799
Assets per employee ($millions)2.6824%5,740
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1511%3,760
Loan loss allowance to noncurrent loans46.2733%4,917
Noncurrent assets plus other real estate owned to assets1.5684%1,276
Noncurrent loans to loans2.4877%760
Net loans and leases to total assets51.1051%4,714
Net loans and leases to deposits57.8081%4,866
Net loans and leases to core deposits59.3500%4,978
Total domestic deposits to total assets88.4047%1,408
Equity capital to assets8.9338%5,238
Core capital (leverage) ratio9.2557%4,545
Tier 1 risk-based capital ratio19.1621%1,693
Total risk-based capital ratio20.4129%1,658
Memoranda:
Average total assets$73,904,0004,978
Average earning assets$69,997,0004,927
Average equity$6,672,0005,289
Average total loans$39,006,0005,047
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9297%3,599
Cost of funding earning assets0.3880%3,282
Net interest margin3.5417%3,365
Noninterest income to average assets0.4870%3,419
Noninterest expense to average assets3.4284%1,437
Loan and lease loss provision to assets0.2751%668
Net operating income to assets0.1158%5,734
Return on assets (ROA)0.3549%5,283
Pretax return on assets0.3756%5,370
Return on Equity (ROE)3.8420%5,011
Retained earnings to average equity (ytd only)0.1489%5,448
Net charge-offs to loans0.5787%423
Credit loss provision to net charge-offs91.3242%2,739
Earnings coverage of net charge-offs (x)1.3242%4,107
Efficiency ratio89.2523%741
Assets per employee ($millions)2.5964%5,841
Cash dividends to net income (ytd only)*96.1240%472
Condition Ratios (%)
Loss allowance to loans1.0975%4,065
Loan loss allowance to noncurrent loans49.5392%4,894
Noncurrent assets plus other real estate owned to assets1.4979%1,350
Noncurrent loans to loans2.2154%891
Net loans and leases to total assets53.3026%4,562
Net loans and leases to deposits60.5324%4,733
Net loans and leases to core deposits61.9016%4,883
Total domestic deposits to total assets88.0564%1,600
Equity capital to assets9.1252%4,994
Core capital (leverage) ratio9.2073%4,605
Tier 1 risk-based capital ratio18.5998%1,808
Total risk-based capital ratio19.8515%1,755
Memoranda:
Average total assets$72,687,8005,025
Average earning assets$68,554,8004,966
Average equity$6,715,2005,294
Average total loans$37,842,4005,093
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9678%3,470
Cost of funding earning assets0.3939%3,285
Net interest margin3.5739%3,258
Noninterest income to average assets0.4347%3,833
Noninterest expense to average assets3.3789%1,513
Loan and lease loss provision to assets0.1999%1,007
Net operating income to assets0.1914%5,696
Return on assets (ROA)0.4109%5,214
Pretax return on assets0.4678%5,299
Return on Equity (ROE)4.4341%4,855
Retained earnings to average equity (ytd only)1.9795%4,886
Net charge-offs to loans0.5154%462
Credit loss provision to net charge-offs75.1724%2,678
Earnings coverage of net charge-offs (x)1.5724%3,809
Efficiency ratio88.9855%763
Assets per employee ($millions)2.5883%5,912
Cash dividends to net income (ytd only)*55.3573%1,640
Condition Ratios (%)
Loss allowance to loans1.0679%4,396
Loan loss allowance to noncurrent loans46.5090%5,046
Noncurrent assets plus other real estate owned to assets1.5510%1,438
Noncurrent loans to loans2.2961%932
Net loans and leases to total assets52.7949%4,681
Net loans and leases to deposits62.3285%4,699
Net loans and leases to core deposits63.7970%4,830
Total domestic deposits to total assets84.7042%3,125
Equity capital to assets9.3430%4,947
Core capital (leverage) ratio9.1472%4,813
Tier 1 risk-based capital ratio19.2135%1,722
Total risk-based capital ratio20.5166%1,679
Memoranda:
Average total assets$72,684,7505,083
Average earning assets$68,382,5005,035
Average equity$6,735,5005,358
Average total loans$37,507,7505,158
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9022%3,678
Cost of funding earning assets0.4048%3,226
Net interest margin3.4974%3,509
Noninterest income to average assets0.4233%3,902
Noninterest expense to average assets3.3619%1,544
Loan and lease loss provision to assets0.2007%976
Net operating income to assets0.1759%5,748
Return on assets (ROA)0.5140%4,816
Pretax return on assets0.5003%5,225
Return on Equity (ROE)5.5624%4,344
Retained earnings to average equity (ytd only)1.8740%4,757
Net charge-offs to loans0.4095%633
Credit loss provision to net charge-offs96.0526%2,129
Earnings coverage of net charge-offs (x)1.7368%3,459
Efficiency ratio90.2583%731
Assets per employee ($millions)2.6333%5,962
Cash dividends to net income (ytd only)*66.3102%1,329
Condition Ratios (%)
Loss allowance to loans1.1588%4,033
Loan loss allowance to noncurrent loans40.6934%5,247
Noncurrent assets plus other real estate owned to assets1.8065%1,273
Noncurrent loans to loans2.8477%721
Net loans and leases to total assets51.5929%4,793
Net loans and leases to deposits59.5684%4,887
Net loans and leases to core deposits62.1311%4,938
Total domestic deposits to total assets86.6112%2,365
Equity capital to assets8.9756%5,255
Core capital (leverage) ratio9.2938%4,563
Tier 1 risk-based capital ratio19.8542%1,584
Total risk-based capital ratio21.1063%1,541
Memoranda:
Average total assets$72,756,0005,137
Average earning assets$68,679,0005,070
Average equity$6,723,6705,406
Average total loans$37,119,0005,214
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0310%3,121
Cost of funding earning assets0.4119%3,173
Net interest margin3.6191%2,932
Noninterest income to average assets0.4207%3,839
Noninterest expense to average assets3.5092%1,285
Loan and lease loss provision to assets0.3487%368
Net operating income to assets-0.0332%6,045
Return on assets (ROA)0.6476%4,178
Pretax return on assets0.6476%4,772
Return on Equity (ROE)6.9062%3,557
Retained earnings to average equity (ytd only)6.9062%2,048
Net charge-offs to loans0.5709%430
Credit loss provision to net charge-offs121.1538%1,435
Earnings coverage of net charge-offs (x)1.0962%2,969
Efficiency ratio91.7511%730
Assets per employee ($millions)2.4369%6,147
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2669%3,595
Loan loss allowance to noncurrent loans54.2453%4,898
Noncurrent assets plus other real estate owned to assets1.4828%1,776
Noncurrent loans to loans2.3356%1,053
Net loans and leases to total assets49.0356%4,936
Net loans and leases to deposits56.8366%4,993
Net loans and leases to core deposits59.3127%5,052
Total domestic deposits to total assets86.2747%2,783
Equity capital to assets9.4000%4,854
Core capital (leverage) ratio9.3979%4,436
Tier 1 risk-based capital ratio18.3724%2,043
Total risk-based capital ratio19.6236%1,995
Memoranda:
Average total assets$72,267,5005,189
Average earning assets$67,972,5005,142
Average equity$6,776,5005,441
Average total loans$36,435,0005,277
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2064%2,936
Cost of funding earning assets0.4812%2,868
Net interest margin3.7252%2,902
Noninterest income to average assets0.4211%4,030
Noninterest expense to average assets3.5969%1,314
Loan and lease loss provision to assets0.4338%387
Net operating income to assets-0.0761%6,136
Return on assets (ROA)0.3746%5,377
Pretax return on assets0.3521%5,600
Return on Equity (ROE)4.0067%5,110
Retained earnings to average equity (ytd only)2.5005%4,455
Net charge-offs to loans0.8729%374
Credit loss provision to net charge-offs97.7778%2,478
Earnings coverage of net charge-offs (x)0.7556%4,571
Efficiency ratio91.4756%740
Assets per employee ($millions)2.3810%6,231
Cash dividends to net income (ytd only)*37.5940%2,974
Condition Ratios (%)
Loss allowance to loans1.2281%3,841
Loan loss allowance to noncurrent loans48.5405%5,150
Noncurrent assets plus other real estate owned to assets1.7052%1,567
Noncurrent loans to loans2.5299%1,004
Net loans and leases to total assets50.5579%4,912
Net loans and leases to deposits58.1427%5,054
Net loans and leases to core deposits58.1427%5,253
Total domestic deposits to total assets86.9549%2,313
Equity capital to assets9.3533%4,908
Core capital (leverage) ratio9.1578%4,739
Tier 1 risk-based capital ratio12.0282%5,347
Total risk-based capital ratio12.8772%5,507
Memoranda:
Average total assets$71,004,8005,256
Average earning assets$66,922,0005,202
Average equity$6,638,8005,493
Average total loans$36,085,6005,326
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2122%2,947
Cost of funding earning assets0.4705%3,049
Net interest margin3.7418%2,851
Noninterest income to average assets0.4081%4,179
Noninterest expense to average assets3.6333%1,233
Loan and lease loss provision to assets0.3723%469
Net operating income to assets-0.0451%6,178
Return on assets (ROA)0.3799%5,402
Pretax return on assets0.3573%5,662
Return on Equity (ROE)4.0634%5,147
Retained earnings to average equity (ytd only)2.6954%4,668
Net charge-offs to loans0.9194%350
Credit loss provision to net charge-offs79.8387%2,593
Earnings coverage of net charge-offs (x)0.6532%4,341
Efficiency ratio92.2636%694
Assets per employee ($millions)2.3813%6,307
Cash dividends to net income (ytd only)*33.6613%2,638
Condition Ratios (%)
Loss allowance to loans1.1494%4,506
Loan loss allowance to noncurrent loans34.2039%5,610
Noncurrent assets plus other real estate owned to assets2.0129%1,418
Noncurrent loans to loans3.3603%735
Net loans and leases to total assets48.8774%5,120
Net loans and leases to deposits56.0707%5,234
Net loans and leases to core deposits58.9323%5,272
Total domestic deposits to total assets87.1711%2,225
Equity capital to assets9.3967%4,929
Core capital (leverage) ratio9.1181%4,902
Tier 1 risk-based capital ratio11.9723%5,509
Total risk-based capital ratio12.7435%5,725
Memoranda:
Average total assets$70,898,7505,318
Average earning assets$66,883,0005,262
Average equity$6,628,2505,549
Average total loans$35,966,5005,381
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2362%2,821
Cost of funding earning assets0.4834%2,993
Net interest margin3.7529%2,746
Noninterest income to average assets0.3903%4,309
Noninterest expense to average assets3.5549%1,377
Loan and lease loss provision to assets0.1980%1,229
Net operating income to assets0.2093%5,805
Return on assets (ROA)0.4186%5,227
Pretax return on assets0.3818%5,610
Return on Equity (ROE)4.4848%4,927
Retained earnings to average equity (ytd only)2.4242%4,669
Net charge-offs to loans0.3538%1,162
Credit loss provision to net charge-offs109.3750%1,833
Earnings coverage of net charge-offs (x)2.0469%3,661
Efficiency ratio90.5620%873
Assets per employee ($millions)2.4612%6,319
Cash dividends to net income (ytd only)*45.9459%2,105
Condition Ratios (%)
Loss allowance to loans1.2624%4,066
Loan loss allowance to noncurrent loans120.3125%3,199
Noncurrent assets plus other real estate owned to assets0.8939%3,310
Noncurrent loans to loans1.0492%3,132
Net loans and leases to total assets48.9402%5,090
Net loans and leases to deposits55.8516%5,199
Net loans and leases to core deposits58.5787%5,229
Total domestic deposits to total assets87.6254%2,128
Equity capital to assets9.1499%5,157
Core capital (leverage) ratio9.1686%4,791
Tier 1 risk-based capital ratio11.3303%5,887
Total risk-based capital ratio12.1629%6,032
Memoranda:
Average total assets$70,718,3305,366
Average earning assets$66,615,6705,307
Average equity$6,600,0005,585
Average total loans$36,180,6705,412
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3125%2,473
Cost of funding earning assets0.4812%3,100
Net interest margin3.8313%2,337
Noninterest income to average assets0.3991%4,196
Noninterest expense to average assets3.6322%1,246
Loan and lease loss provision to assets0.0752%2,637
Net operating income to assets0.3528%5,302
Return on assets (ROA)0.4280%5,076
Pretax return on assets0.4049%5,441
Return on Equity (ROE)4.5385%4,769
Retained earnings to average equity (ytd only)4.5385%3,396
Net charge-offs to loans0.7228%483
Credit loss provision to net charge-offs20.0000%2,498
Earnings coverage of net charge-offs (x)1.0769%3,189
Efficiency ratio89.9713%1,039
Assets per employee ($millions)2.2755%6,477
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1318%4,972
Loan loss allowance to noncurrent loans42.9787%5,475
Noncurrent assets plus other real estate owned to assets1.4885%2,371
Noncurrent loans to loans2.6334%1,299
Net loans and leases to total assets50.0291%4,908
Net loans and leases to deposits58.4956%4,891
Net loans and leases to core deposits61.5684%4,918
Total domestic deposits to total assets85.5261%3,599
Equity capital to assets9.3633%4,678
Core capital (leverage) ratio9.5228%4,247
Tier 1 risk-based capital ratio11.4760%5,926
Total risk-based capital ratio12.2185%6,118
Memoranda:
Average total assets$69,159,0005,469
Average earning assets$65,669,5005,384
Average equity$6,522,0005,631
Average total loans$35,972,0005,463
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5256%2,109
Cost of funding earning assets0.5178%3,422
Net interest margin4.0078%1,926
Noninterest income to average assets0.4684%3,971
Noninterest expense to average assets3.5286%1,596
Loan and lease loss provision to assets0.2320%1,554
Net operating income to assets0.5323%4,589
Return on assets (ROA)0.6004%4,376
Pretax return on assets0.5816%4,929
Return on Equity (ROE)6.1186%4,020
Retained earnings to average equity (ytd only)-7.8183%6,490
Net charge-offs to loans0.5791%1,138
Credit loss provision to net charge-offs73.0594%3,224
Earnings coverage of net charge-offs (x)2.3470%4,229
Efficiency ratio82.5585%1,806
Assets per employee ($millions)2.1180%6,604
Cash dividends to net income (ytd only)*227.7778%58
Condition Ratios (%)
Loss allowance to loans1.2580%4,358
Loan loss allowance to noncurrent loans63.2455%4,747
Noncurrent assets plus other real estate owned to assets1.1803%3,038
Noncurrent loans to loans1.9890%1,999
Net loans and leases to total assets52.8100%4,748
Net loans and leases to deposits60.9897%4,832
Net loans and leases to core deposits64.2649%4,842
Total domestic deposits to total assets86.5884%2,946
Equity capital to assets9.5003%4,426
Core capital (leverage) ratio9.5312%4,215
Tier 1 risk-based capital ratio11.9833%5,620
Total risk-based capital ratio12.8637%5,785
Memoranda:
Average total assets$68,951,2005,509
Average earning assets$65,472,2005,422
Average equity$6,766,2005,625
Average total loans$37,819,4005,433
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5355%2,095
Cost of funding earning assets0.5175%3,593
Net interest margin4.0180%1,888
Noninterest income to average assets0.4756%3,969
Noninterest expense to average assets3.5063%1,599
Loan and lease loss provision to assets0.2888%1,191
Net operating income to assets0.5102%4,756
Return on assets (ROA)0.6008%4,468
Pretax return on assets0.5834%5,084
Return on Equity (ROE)6.0746%4,147
Retained earnings to average equity (ytd only)-10.1244%6,643
Net charge-offs to loans0.4257%1,502
Credit loss provision to net charge-offs122.9508%1,910
Earnings coverage of net charge-offs (x)3.3279%3,736
Efficiency ratio81.7692%1,855
Assets per employee ($millions)2.2668%6,611
Cash dividends to net income (ytd only)*266.6675%40
Condition Ratios (%)
Loss allowance to loans1.4412%3,731
Loan loss allowance to noncurrent loans68.9962%4,454
Noncurrent assets plus other real estate owned to assets1.2764%3,093
Noncurrent loans to loans2.0888%2,142
Net loans and leases to total assets54.6056%4,515
Net loans and leases to deposits63.4119%4,580
Net loans and leases to core deposits66.8587%4,637
Total domestic deposits to total assets86.1126%3,187
Equity capital to assets9.6744%4,331
Core capital (leverage) ratio9.5502%4,334
Tier 1 risk-based capital ratio11.6549%5,980
Total risk-based capital ratio12.6661%6,060
Memoranda:
Average total assets$69,244,7505,553
Average earning assets$65,702,7505,465
Average equity$6,848,0005,683
Average total loans$38,212,0005,474
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5067%2,176
Cost of funding earning assets0.5222%3,682
Net interest margin3.9845%1,918
Noninterest income to average assets0.4996%3,840
Noninterest expense to average assets3.4396%1,739
Loan and lease loss provision to assets0.4077%754
Net operating income to assets0.4594%4,975
Return on assets (ROA)0.5943%4,499
Pretax return on assets0.5771%5,107
Return on Equity (ROE)5.9674%4,199
Retained earnings to average equity (ytd only)-18.0176%6,785
Net charge-offs to loans0.6043%1,095
Credit loss provision to net charge-offs122.4138%1,829
Earnings coverage of net charge-offs (x)2.5517%3,670
Efficiency ratio80.1874%2,126
Assets per employee ($millions)2.2144%6,677
Cash dividends to net income (ytd only)*401.9324%25
Condition Ratios (%)
Loss allowance to loans1.4158%3,962
Loan loss allowance to noncurrent loans114.3763%3,131
Noncurrent assets plus other real estate owned to assets0.8070%4,211
Noncurrent loans to loans1.2378%3,480
Net loans and leases to total assets54.8764%4,467
Net loans and leases to deposits63.7756%4,536
Net loans and leases to core deposits66.7890%4,617
Total domestic deposits to total assets86.0460%3,341
Equity capital to assets9.2837%4,880
Core capital (leverage) ratio9.2113%4,682
Tier 1 risk-based capital ratio11.3037%6,203
Total risk-based capital ratio12.2935%6,291
Memoranda:
Average total assets$69,658,3305,581
Average earning assets$66,257,0005,487
Average equity$6,937,6705,702
Average total loans$38,390,3305,491
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4341%2,405
Cost of funding earning assets0.5364%3,715
Net interest margin3.8977%2,124
Noninterest income to average assets0.4846%3,887
Noninterest expense to average assets3.5346%1,552
Loan and lease loss provision to assets0.0456%3,847
Net operating income to assets0.6499%3,964
Return on assets (ROA)0.6499%4,119
Pretax return on assets0.6328%4,827
Return on Equity (ROE)6.3158%3,872
Retained earnings to average equity (ytd only)-38.0055%6,927
Net charge-offs to loans0.3534%1,585
Credit loss provision to net charge-offs23.5294%2,988
Earnings coverage of net charge-offs (x)3.5000%2,753
Efficiency ratio83.8972%1,781
Assets per employee ($millions)2.2395%6,745
Cash dividends to net income (ytd only)*701.7544%13
Condition Ratios (%)
Loss allowance to loans1.2758%4,817
Loan loss allowance to noncurrent loans52.2995%5,063
Noncurrent assets plus other real estate owned to assets1.4433%3,092
Noncurrent loans to loans2.4393%2,112
Net loans and leases to total assets54.5079%4,330
Net loans and leases to deposits63.1262%4,400
Net loans and leases to core deposits66.1648%4,509
Total domestic deposits to total assets86.3475%3,333
Equity capital to assets9.8973%4,281
Core capital (leverage) ratio9.0606%4,787
Tier 1 risk-based capital ratio11.4603%6,205
Total risk-based capital ratio12.3738%6,328
Memoranda:
Average total assets$70,164,0005,620
Average earning assets$67,116,5005,516
Average equity$7,220,0005,679
Average total loans$38,479,5005,530
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6840%2,661
Cost of funding earning assets0.6733%3,708
Net interest margin4.0107%2,356
Noninterest income to average assets0.4160%4,485
Noninterest expense to average assets3.7137%1,390
Loan and lease loss provision to assets0.0725%4,826
Net operating income to assets0.4160%5,028
Return on assets (ROA)0.5552%4,706
Pretax return on assets0.5334%5,185
Return on Equity (ROE)4.9920%4,678
Retained earnings to average equity (ytd only)-0.3128%5,910
Net charge-offs to loans0.0530%5,187
Credit loss provision to net charge-offs250.0000%973
Earnings coverage of net charge-offs (x)16.1000%1,602
Efficiency ratio88.8350%1,162
Assets per employee ($millions)2.2158%6,824
Cash dividends to net income (ytd only)*106.2663%413
Condition Ratios (%)
Loss allowance to loans1.3332%4,480
Loan loss allowance to noncurrent loans178.2007%2,032
Noncurrent assets plus other real estate owned to assets0.5035%5,210
Noncurrent loans to loans0.7481%4,682
Net loans and leases to total assets53.7536%4,650
Net loans and leases to deposits64.0130%4,530
Net loans and leases to core deposits67.4286%4,597
Total domestic deposits to total assets83.9729%4,326
Equity capital to assets10.6748%3,317
Core capital (leverage) ratio9.9999%3,395
Tier 1 risk-based capital ratio12.6704%5,350
Total risk-based capital ratio13.6286%5,508
Memoranda:
Average total assets$68,987,0005,653
Average earning assets$64,751,8005,592
Average equity$7,672,2005,590
Average total loans$37,712,8005,602
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7165%2,734
Cost of funding earning assets0.6839%3,906
Net interest margin4.0326%2,372
Noninterest income to average assets0.3892%4,717
Noninterest expense to average assets3.7056%1,356
Loan and lease loss provision to assets0.0817%4,607
Net operating income to assets0.3892%5,293
Return on assets (ROA)0.5761%4,767
Pretax return on assets0.5527%5,291
Return on Equity (ROE)5.1268%4,761
Retained earnings to average equity (ytd only)4.1568%3,976
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.2221%1,094
Assets per employee ($millions)2.2154%6,911
Cash dividends to net income (ytd only)*18.9175%3,099
Condition Ratios (%)
Loss allowance to loans1.3794%4,464
Loan loss allowance to noncurrent loans152.3121%2,257
Noncurrent assets plus other real estate owned to assets0.7053%4,924
Noncurrent loans to loans0.9056%4,617
Net loans and leases to total assets53.1477%4,884
Net loans and leases to deposits63.9412%4,719
Net loans and leases to core deposits67.3700%4,794
Total domestic deposits to total assets83.1196%4,600
Equity capital to assets11.1153%3,135
Core capital (leverage) ratio10.5134%2,898
Tier 1 risk-based capital ratio12.6973%5,480
Total risk-based capital ratio13.6437%5,678
Memoranda:
Average total assets$68,507,5005,727
Average earning assets$63,944,0005,670
Average equity$7,698,0005,644
Average total loans$37,483,7505,681
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6656%3,070
Cost of funding earning assets0.6912%4,085
Net interest margin3.9744%2,615
Noninterest income to average assets0.5110%3,852
Noninterest expense to average assets3.6537%1,462
Loan and lease loss provision to assets0.0443%5,127
Net operating income to assets0.5730%4,482
Return on assets (ROA)0.5730%4,758
Pretax return on assets0.5494%5,314
Return on Equity (ROE)5.0803%4,772
Retained earnings to average equity (ytd only)3.6138%4,192
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.0223%1,433
Assets per employee ($millions)2.1918%6,974
Cash dividends to net income (ytd only)*28.8660%2,671
Condition Ratios (%)
Loss allowance to loans1.3231%4,786
Loan loss allowance to noncurrent loans118.7648%2,750
Noncurrent assets plus other real estate owned to assets0.8754%4,622
Noncurrent loans to loans1.1141%4,294
Net loans and leases to total assets53.1674%4,938
Net loans and leases to deposits62.9218%4,886
Net loans and leases to core deposits66.5548%4,936
Total domestic deposits to total assets84.4975%4,100
Equity capital to assets11.0983%3,016
Core capital (leverage) ratio10.3475%2,989
Tier 1 risk-based capital ratio12.8338%5,311
Total risk-based capital ratio13.7556%5,540
Memoranda:
Average total assets$67,712,3305,789
Average earning assets$63,657,3305,714
Average equity$7,637,3305,678
Average total loans$37,243,3305,722
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6559%3,236
Cost of funding earning assets0.7054%4,235
Net interest margin3.9504%2,717
Noninterest income to average assets0.4752%4,106
Noninterest expense to average assets3.6872%1,398
Loan and lease loss provision to assets0.0481%4,805
Net operating income to assets0.5233%4,723
Return on assets (ROA)0.5233%4,932
Pretax return on assets0.4451%5,601
Return on Equity (ROE)4.6007%4,985
Retained earnings to average equity (ytd only)4.6007%3,813
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.2014%1,267
Assets per employee ($millions)2.1913%7,049
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.3574%4,774
Loan loss allowance to noncurrent loans312.0253%1,068
Noncurrent assets plus other real estate owned to assets0.5167%5,571
Noncurrent loans to loans0.4350%5,799
Net loans and leases to total assets52.7396%4,915
Net loans and leases to deposits61.9366%4,927
Net loans and leases to core deposits65.2711%4,990
Total domestic deposits to total assets85.1509%3,960
Equity capital to assets11.1895%2,722
Core capital (leverage) ratio10.7219%2,526
Tier 1 risk-based capital ratio13.5911%4,758
Total risk-based capital ratio14.5609%4,960
Memoranda:
Average total assets$66,500,0005,868
Average earning assets$62,373,0005,803
Average equity$7,564,0005,719
Average total loans$36,970,0005,779
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1242%2,355
Cost of funding earning assets0.7672%5,081
Net interest margin4.3570%1,522
Noninterest income to average assets0.4525%4,195
Noninterest expense to average assets3.9376%1,134
Loan and lease loss provision to assets0.0467%5,990
Net operating income to assets0.6034%3,986
Return on assets (ROA)0.6112%4,127
Pretax return on assets0.5738%4,771
Return on Equity (ROE)5.4385%4,174
Retained earnings to average equity (ytd only)3.4043%3,799
Net charge-offs to loans0.1517%4,925
Credit loss provision to net charge-offs52.6316%5,357
Earnings coverage of net charge-offs (x)6.9123%2,428
Efficiency ratio86.5345%1,492
Assets per employee ($millions)2.0990%7,123
Cash dividends to net income (ytd only)*37.4046%2,739
Condition Ratios (%)
Loss allowance to loans1.2892%4,963
Loan loss allowance to noncurrent loans240.0990%1,389
Noncurrent assets plus other real estate owned to assets0.5010%5,719
Noncurrent loans to loans0.5369%5,640
Net loans and leases to total assets57.0708%4,533
Net loans and leases to deposits67.1816%4,556
Net loans and leases to core deposits70.4267%4,728
Total domestic deposits to total assets84.9501%3,879
Equity capital to assets11.5675%2,455
Core capital (leverage) ratio10.8898%2,357
Tier 1 risk-based capital ratio13.3948%4,776
Total risk-based capital ratio14.3472%4,968
Memoranda:
Average total assets$64,302,8005,914
Average earning assets$60,477,2005,852
Average equity$7,226,2005,799
Average total loans$37,573,0005,810
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1578%2,354
Cost of funding earning assets0.7687%5,338
Net interest margin4.3891%1,436
Noninterest income to average assets0.4305%4,432
Noninterest expense to average assets3.9514%1,070
Loan and lease loss provision to assets0.0478%5,846
Net operating income to assets0.5989%4,090
Return on assets (ROA)0.6093%4,230
Pretax return on assets0.5740%4,897
Return on Equity (ROE)5.4630%4,302
Retained earnings to average equity (ytd only)3.8223%4,004
Net charge-offs to loans0.0178%5,905
Credit loss provision to net charge-offs460.0000%602
Earnings coverage of net charge-offs (x)58.7691%565
Efficiency ratio86.5998%1,474
Assets per employee ($millions)2.2207%7,134
Cash dividends to net income (ytd only)*30.0338%2,477
Condition Ratios (%)
Loss allowance to loans1.4027%4,553
Loan loss allowance to noncurrent loans209.4862%1,495
Noncurrent assets plus other real estate owned to assets0.5659%5,699
Noncurrent loans to loans0.6696%5,544
Net loans and leases to total assets55.9170%4,855
Net loans and leases to deposits65.8180%4,933
Net loans and leases to core deposits72.2545%4,679
Total domestic deposits to total assets84.9569%3,780
Equity capital to assets11.2350%2,932
Core capital (leverage) ratio10.6699%2,690
Tier 1 risk-based capital ratio13.2738%4,899
Total risk-based capital ratio14.3123%5,021
Memoranda:
Average total assets$64,111,0005,966
Average earning assets$60,360,0005,894
Average equity$7,151,0005,862
Average total loans$37,561,0005,858
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1437%2,493
Cost of funding earning assets0.7798%5,512
Net interest margin4.3640%1,479
Noninterest income to average assets0.4172%4,534
Noninterest expense to average assets3.9195%1,160
Loan and lease loss provision to assets0.0474%5,715
Net operating income to assets0.6100%4,010
Return on assets (ROA)0.6100%4,139
Pretax return on assets0.5721%4,842
Return on Equity (ROE)5.4832%4,219
Retained earnings to average equity (ytd only)2.9831%4,381
Net charge-offs to loans0.0267%5,450
Credit loss provision to net charge-offs300.0000%1,005
Earnings coverage of net charge-offs (x)39.2000%751
Efficiency ratio86.3510%1,564
Assets per employee ($millions)1.9747%7,309
Cash dividends to net income (ytd only)*45.5959%1,846
Condition Ratios (%)
Loss allowance to loans1.3686%4,739
Loan loss allowance to noncurrent loans257.1429%1,202
Noncurrent assets plus other real estate owned to assets0.5175%5,880
Noncurrent loans to loans0.5322%5,848
Net loans and leases to total assets59.5347%4,365
Net loans and leases to deposits70.0011%4,435
Net loans and leases to core deposits73.9852%4,584
Total domestic deposits to total assets85.0483%3,855
Equity capital to assets11.4512%2,547
Core capital (leverage) ratio10.8111%2,412
Tier 1 risk-based capital ratio13.5271%4,503
Total risk-based capital ratio14.5852%4,641
Memoranda:
Average total assets$63,274,0006,036
Average earning assets$59,762,3305,965
Average equity$7,039,6705,912
Average total loans$37,487,0005,915
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0649%2,798
Cost of funding earning assets0.7637%5,780
Net interest margin4.3011%1,561
Noninterest income to average assets0.4170%4,571
Noninterest expense to average assets3.8726%1,216
Loan and lease loss provision to assets0.0505%5,367
Net operating income to assets0.6444%3,779
Return on assets (ROA)0.6444%3,855
Pretax return on assets0.5496%4,865
Return on Equity (ROE)5.8777%3,975
Retained earnings to average equity (ytd only)5.8777%2,711
Net charge-offs to loans0.0108%4,938
Credit loss provision to net charge-offs800.0000%474
Earnings coverage of net charge-offs (x)95.0000%330
Efficiency ratio86.5819%1,649
Assets per employee ($millions)1.9687%7,372
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3730%4,797
Loan loss allowance to noncurrent loans152.1994%1,938
Noncurrent assets plus other real estate owned to assets0.5413%5,882
Noncurrent loans to loans0.9021%5,243
Net loans and leases to total assets59.1797%4,431
Net loans and leases to deposits68.7758%4,556
Net loans and leases to core deposits72.2954%4,749
Total domestic deposits to total assets86.0472%3,503
Equity capital to assets11.1242%2,567
Core capital (leverage) ratio11.0738%2,132
Tier 1 risk-based capital ratio13.4742%4,438
Total risk-based capital ratio14.5207%4,578
Memoranda:
Average total assets$63,316,0006,084
Average earning assets$59,705,5006,006
Average equity$6,941,5005,946
Average total loans$37,159,5005,983
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2361%3,428
Cost of funding earning assets1.0243%5,563
Net interest margin4.2118%2,139
Noninterest income to average assets0.4789%4,323
Noninterest expense to average assets3.7069%1,686
Loan and lease loss provision to assets0.1085%6,063
Net operating income to assets0.7981%2,813
Return on assets (ROA)0.8539%2,710
Pretax return on assets0.7082%3,948
Return on Equity (ROE)8.1065%2,663
Retained earnings to average equity (ytd only)5.9438%1,846
Net charge-offs to loans-0.0164%7,351
Credit loss provision to net charge-offs-1,166.6667%7,151
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.9691%2,054
Assets per employee ($millions)1.9283%7,447
Cash dividends to net income (ytd only)*26.6788%3,189
Condition Ratios (%)
Loss allowance to loans1.4020%4,496
Loan loss allowance to noncurrent loans145.0425%2,050
Noncurrent assets plus other real estate owned to assets0.5547%5,920
Noncurrent loans to loans0.9666%5,117
Net loans and leases to total assets56.5830%5,249
Net loans and leases to deposits65.3526%5,475
Net loans and leases to core deposits68.9506%5,561
Total domestic deposits to total assets86.5811%3,043
Equity capital to assets10.8040%2,857
Core capital (leverage) ratio10.4224%2,644
Tier 1 risk-based capital ratio13.5433%4,168
Total risk-based capital ratio14.5891%4,301
Memoranda:
Average total assets$64,527,8006,047
Average earning assets$61,114,2005,955
Average equity$6,797,0006,104
Average total loans$36,499,2006,093
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2540%3,561
Cost of funding earning assets1.0669%5,610
Net interest margin4.1871%2,263
Noninterest income to average assets0.4139%4,842
Noninterest expense to average assets3.6137%1,759
Loan and lease loss provision to assets0.1297%5,730
Net operating income to assets0.7577%3,188
Return on assets (ROA)0.8319%3,011
Pretax return on assets0.7124%4,190
Return on Equity (ROE)7.9476%2,931
Retained earnings to average equity (ytd only)6.9247%1,893
Net charge-offs to loans-0.0183%7,344
Credit loss provision to net charge-offs-1,260.0000%7,105
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4718%2,011
Assets per employee ($millions)1.9909%7,523
Cash dividends to net income (ytd only)*12.8711%3,226
Condition Ratios (%)
Loss allowance to loans1.3592%4,671
Loan loss allowance to noncurrent loans115.0685%2,445
Noncurrent assets plus other real estate owned to assets0.6875%5,745
Noncurrent loans to loans1.1812%4,881
Net loans and leases to total assets57.4119%5,351
Net loans and leases to deposits67.0516%5,538
Net loans and leases to core deposits70.8370%5,662
Total domestic deposits to total assets85.6235%3,281
Equity capital to assets11.1729%2,799
Core capital (leverage) ratio10.5313%2,654
Tier 1 risk-based capital ratio12.8664%4,676
Total risk-based capital ratio13.8523%4,871
Memoranda:
Average total assets$64,751,2506,113
Average earning assets$61,361,2506,014
Average equity$6,777,5006,186
Average total loans$36,494,5006,175
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0892%4,512
Cost of funding earning assets1.1034%5,652
Net interest margin3.9858%3,086
Noninterest income to average assets0.4639%4,404
Noninterest expense to average assets3.4716%2,097
Loan and lease loss provision to assets0.0461%6,508
Net operating income to assets0.7096%3,362
Return on assets (ROA)0.8049%3,092
Pretax return on assets0.8541%3,686
Return on Equity (ROE)7.8631%2,935
Retained earnings to average equity (ytd only)6.3025%2,167
Net charge-offs to loans-0.0220%7,297
Credit loss provision to net charge-offs-375.0000%6,786
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2950%2,257
Assets per employee ($millions)2.1091%7,509
Cash dividends to net income (ytd only)*19.8473%2,899
Condition Ratios (%)
Loss allowance to loans1.2219%5,343
Loan loss allowance to noncurrent loans128.5311%2,170
Noncurrent assets plus other real estate owned to assets0.5414%6,116
Noncurrent loans to loans0.9507%5,404
Net loans and leases to total assets56.2571%5,666
Net loans and leases to deposits65.7080%5,843
Net loans and leases to core deposits68.9835%5,976
Total domestic deposits to total assets85.6168%3,307
Equity capital to assets10.4677%3,454
Core capital (leverage) ratio10.2389%2,899
Tier 1 risk-based capital ratio12.6211%4,755
Total risk-based capital ratio13.5152%5,040
Memoranda:
Average total assets$65,099,0006,137
Average earning assets$62,170,6706,015
Average equity$6,664,0006,248
Average total loans$36,299,3306,232
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2199%3,919
Cost of funding earning assets1.1940%5,439
Net interest margin4.0258%2,763
Noninterest income to average assets0.3879%5,015
Noninterest expense to average assets3.3745%2,304
Loan and lease loss provision to assets0.0493%6,172
Net operating income to assets0.6915%3,477
Return on assets (ROA)0.8744%2,737
Pretax return on assets0.9668%3,209
Return on Equity (ROE)8.6401%2,610
Retained earnings to average equity (ytd only)8.6401%1,495
Net charge-offs to loans-0.0335%7,229
Credit loss provision to net charge-offs-266.6667%6,169
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.5882%2,476
Assets per employee ($millions)2.0849%7,622
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2435%5,259
Loan loss allowance to noncurrent loans179.5181%1,562
Noncurrent assets plus other real estate owned to assets0.3853%6,511
Noncurrent loans to loans0.6927%5,944
Net loans and leases to total assets54.9248%5,903
Net loans and leases to deposits63.4284%6,121
Net loans and leases to core deposits66.5785%6,242
Total domestic deposits to total assets86.5933%2,846
Equity capital to assets10.3169%3,449
Core capital (leverage) ratio10.0561%3,094
Tier 1 risk-based capital ratio12.7216%4,540
Total risk-based capital ratio13.6127%4,813
Memoranda:
Average total assets$64,957,5006,210
Average earning assets$61,304,0006,118
Average equity$6,574,0006,326
Average total loans$35,830,5006,325
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4788%4,264
Cost of funding earning assets1.4821%5,585
Net interest margin3.9966%2,876
Noninterest income to average assets0.3931%5,266
Noninterest expense to average assets3.6623%1,997
Loan and lease loss provision to assets0.0016%7,421
Net operating income to assets0.4804%3,811
Return on assets (ROA)0.4804%3,906
Pretax return on assets0.4804%4,250
Return on Equity (ROE)4.6851%3,804
Retained earnings to average equity (ytd only)3.0288%3,045
Net charge-offs to loans0.1550%5,712
Credit loss provision to net charge-offs1.8519%7,000
Earnings coverage of net charge-offs (x)5.5185%2,575
Efficiency ratio88.3685%1,852
Assets per employee ($millions)2.1059%7,647
Cash dividends to net income (ytd only)*35.3535%3,115
Condition Ratios (%)
Loss allowance to loans1.2208%5,235
Loan loss allowance to noncurrent loans180.1653%1,630
Noncurrent assets plus other real estate owned to assets0.3707%6,525
Noncurrent loans to loans0.6776%5,881
Net loans and leases to total assets54.0401%6,198
Net loans and leases to deposits62.2018%6,447
Net loans and leases to core deposits80.5107%6,040
Total domestic deposits to total assets86.8787%2,571
Equity capital to assets9.9260%3,868
Core capital (leverage) ratio9.7874%3,340
Tier 1 risk-based capital ratio12.4883%4,533
Total risk-based capital ratio13.3610%4,809
Memoranda:
Average total assets$61,818,8006,278
Average earning assets$58,024,0006,220
Average equity$6,339,2006,483
Average total loans$34,834,4006,363
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5082%4,382
Cost of funding earning assets1.5127%5,766
Net interest margin3.9955%2,843
Noninterest income to average assets0.3872%5,418
Noninterest expense to average assets3.7536%1,701
Loan and lease loss provision to assets-0.0153%8,043
Net operating income to assets0.3872%4,451
Return on assets (ROA)0.3872%4,551
Pretax return on assets0.3872%4,831
Return on Equity (ROE)3.7435%4,472
Retained earnings to average equity (ytd only)2.4746%3,942
Net charge-offs to loans0.0116%6,772
Credit loss provision to net charge-offs-233.3333%7,233
Earnings coverage of net charge-offs (x)56.6650%577
Efficiency ratio90.9862%1,613
Assets per employee ($millions)2.1012%7,715
Cash dividends to net income (ytd only)*33.8997%2,717
Condition Ratios (%)
Loss allowance to loans1.3406%4,261
Loan loss allowance to noncurrent loans248.1865%1,202
Noncurrent assets plus other real estate owned to assets0.2870%6,778
Noncurrent loans to loans0.5401%6,229
Net loans and leases to total assets52.4287%6,567
Net loans and leases to deposits61.1282%6,741
Net loans and leases to core deposits78.2404%6,465
Total domestic deposits to total assets85.7685%2,821
Equity capital to assets9.7638%4,402
Core capital (leverage) ratio9.8222%3,494
Tier 1 risk-based capital ratio12.2217%4,768
Total risk-based capital ratio13.1635%4,988
Memoranda:
Average total assets$60,952,7506,357
Average earning assets$57,028,7506,295
Average equity$6,304,0006,554
Average total loans$34,614,2506,418
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5922%4,113
Cost of funding earning assets1.5728%5,829
Net interest margin4.0194%2,620
Noninterest income to average assets0.3500%5,699
Noninterest expense to average assets3.6461%1,957
Loan and lease loss provision to assets-0.0306%8,149
Net operating income to assets0.4859%4,140
Return on assets (ROA)0.4859%4,259
Pretax return on assets0.4859%4,669
Return on Equity (ROE)4.6003%4,256
Retained earnings to average equity (ytd only)2.6701%3,841
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.8981%1,916
Assets per employee ($millions)1.9722%7,870
Cash dividends to net income (ytd only)*41.9580%2,334
Condition Ratios (%)
Loss allowance to loans1.3753%3,862
Loan loss allowance to noncurrent loans221.1982%1,374
Noncurrent assets plus other real estate owned to assets0.3438%6,591
Noncurrent loans to loans0.6217%6,010
Net loans and leases to total assets54.5429%6,374
Net loans and leases to deposits63.3211%6,632
Net loans and leases to core deposits79.7526%6,431
Total domestic deposits to total assets86.1369%2,716
Equity capital to assets9.7084%4,337
Core capital (leverage) ratio10.7856%2,579
Tier 1 risk-based capital ratio12.5365%4,499
Total risk-based capital ratio13.5096%4,624
Memoranda:
Average total assets$58,857,6706,484
Average earning assets$54,934,0006,431
Average equity$6,217,0006,633
Average total loans$34,242,0006,489
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6193%4,243
Cost of funding earning assets1.6430%5,847
Net interest margin3.9763%2,750
Noninterest income to average assets0.3737%5,437
Noninterest expense to average assets3.6805%1,688
Loan and lease loss provision to assets0.0141%6,674
Net operating income to assets0.4160%4,793
Return on assets (ROA)0.4160%4,970
Pretax return on assets0.4160%5,350
Return on Equity (ROE)3.7688%5,048
Retained earnings to average equity (ytd only)3.7688%3,800
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.5369%1,760
Assets per employee ($millions)1.8530%7,996
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4387%3,298
Loan loss allowance to noncurrent loans249.2386%1,339
Noncurrent assets plus other real estate owned to assets0.7399%5,315
Noncurrent loans to loans0.5773%5,959
Net loans and leases to total assets58.5565%5,859
Net loans and leases to deposits68.0216%6,187
Net loans and leases to core deposits86.0212%5,899
Total domestic deposits to total assets86.0851%2,666
Equity capital to assets10.7622%3,223
Core capital (leverage) ratio11.0563%2,461
Tier 1 risk-based capital ratio14.3993%3,366
Total risk-based capital ratio15.5468%3,356
Memoranda:
Average total assets$56,731,5006,593
Average earning assets$53,316,5006,530
Average equity$6,262,0006,666
Average total loans$33,912,0006,546
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9938%5,571
Cost of funding earning assets1.8102%6,977
Net interest margin4.1836%2,375
Noninterest income to average assets0.4688%4,887
Noninterest expense to average assets3.8188%1,719
Loan and lease loss provision to assets0.0180%7,162
Net operating income to assets0.5311%4,612
Return on assets (ROA)0.5497%4,381
Pretax return on assets0.5874%4,730
Return on Equity (ROE)4.9740%4,404
Retained earnings to average equity (ytd only)3.4135%3,018
Net charge-offs to loans0.0572%5,960
Credit loss provision to net charge-offs52.6316%6,322
Earnings coverage of net charge-offs (x)17.1579%1,793
Efficiency ratio86.7047%1,786
Assets per employee ($millions)1.7507%8,071
Cash dividends to net income (ytd only)*31.3725%4,061
Condition Ratios (%)
Loss allowance to loans1.4512%2,916
Loan loss allowance to noncurrent loans254.6875%1,563
Noncurrent assets plus other real estate owned to assets0.7497%4,973
Noncurrent loans to loans0.5698%5,661
Net loans and leases to total assets59.2778%6,015
Net loans and leases to deposits69.4263%6,334
Net loans and leases to core deposits86.8387%6,070
Total domestic deposits to total assets85.3823%2,675
Equity capital to assets11.3208%2,782
Core capital (leverage) ratio11.4763%2,266
Tier 1 risk-based capital ratio15.2151%2,952
Total risk-based capital ratio16.4372%2,885
Memoranda:
Average total assets$55,671,6006,547
Average earning assets$52,371,2006,489
Average equity$6,152,0006,751
Average total loans$33,209,8006,529