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The First National Bank of Brundidge, Performance and Condition Ratios

2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4773%1,986
Cost of funding earning assets0.6662%2,583
Net interest margin3.8111%1,807
Noninterest income to average assets0.5333%2,421
Noninterest expense to average assets4.1087%368
Loan and lease loss provision to assets0.1093%2,918
Net operating income to assets-0.1814%4,858
Return on assets (ROA)-0.1814%4,858
Pretax return on assets-0.2338%4,858
Return on Equity (ROE)-1.1382%4,850
Retained earnings to average equity (ytd only)-3.8809%4,718
Net charge-offs to loans0.1042%1,237
Credit loss provision to net charge-offs172.4138%2,025
Earnings coverage of net charge-offs (x)-1.9655%2,961
Efficiency ratio103.1267%146
Assets per employee ($millions)4.4939%3,792
Cash dividends to net income (ytd only)*-240.9639%5,052
Condition Ratios (%)
Loss allowance to loans1.2075%2,478
Loan loss allowance to noncurrent loans213.6223%2,044
Noncurrent assets plus other real estate owned to assets0.5219%2,265
Noncurrent loans to loans0.5653%2,468
Net loans and leases to total assets57.0995%3,593
Net loans and leases to deposits74.5960%3,020
Net loans and leases to core deposits88.4481%2,203
Total domestic deposits to total assets76.5450%4,371
Equity capital to assets14.6016%710
Core capital (leverage) ratio16.0730%433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.4235%351
Memoranda:
Average total assets$91,513,3334,104
Average earning assets$82,863,3334,129
Average equity$14,584,3333,698
Average total loans$55,684,3334,026
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3591%2,752
Cost of funding earning assets0.7341%2,760
Net interest margin3.6249%2,590
Noninterest income to average assets0.6330%1,888
Noninterest expense to average assets3.1103%1,613
Loan and lease loss provision to assets0.2277%1,359
Net operating income to assets0.4508%4,013
Return on assets (ROA)0.4508%4,063
Pretax return on assets0.5556%4,018
Return on Equity (ROE)2.7015%4,291
Retained earnings to average equity (ytd only)-0.0273%3,997
Net charge-offs to loans0.2329%613
Credit loss provision to net charge-offs156.2500%1,562
Earnings coverage of net charge-offs (x)5.3750%2,064
Efficiency ratio79.8830%1,150
Assets per employee ($millions)3.9095%4,036
Cash dividends to net income (ytd only)*101.0101%746
Condition Ratios (%)
Loss allowance to loans1.2674%2,299
Loan loss allowance to noncurrent loans209.7561%1,992
Noncurrent assets plus other real estate owned to assets0.6058%2,186
Noncurrent loans to loans0.6042%2,479
Net loans and leases to total assets62.3167%3,265
Net loans and leases to deposits76.4539%3,033
Net loans and leases to core deposits91.9585%2,164
Total domestic deposits to total assets81.5089%3,542
Equity capital to assets17.0319%439
Core capital (leverage) ratio17.2334%389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.7816%289
Memoranda:
Average total assets$87,837,0004,158
Average earning assets$79,008,0004,189
Average equity$14,658,5003,702
Average total loans$54,955,5004,052
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6066%2,581
Cost of funding earning assets0.6655%3,330
Net interest margin3.9411%2,028
Noninterest income to average assets0.6459%2,024
Noninterest expense to average assets3.3882%1,137
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.5937%4,180
Return on assets (ROA)0.5937%4,234
Pretax return on assets0.7804%4,013
Return on Equity (ROE)3.5529%4,565
Retained earnings to average equity (ytd only)2.8590%3,610
Net charge-offs to loans0.0183%3,065
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)67.3000%905
Efficiency ratio81.2796%849
Assets per employee ($millions)3.4487%4,524
Cash dividends to net income (ytd only)*19.5313%3,490
Condition Ratios (%)
Loss allowance to loans1.2045%2,415
Loan loss allowance to noncurrent loans243.6364%1,804
Noncurrent assets plus other real estate owned to assets0.5219%2,329
Noncurrent loans to loans0.4944%2,702
Net loans and leases to total assets61.2892%3,471
Net loans and leases to deposits74.5173%3,303
Net loans and leases to core deposits87.5595%2,647
Total domestic deposits to total assets82.2484%3,439
Equity capital to assets16.3587%544
Core capital (leverage) ratio17.1464%400
Tier 1 risk-based capital ratio28.0061%557
Total risk-based capital ratio29.2567%545
Memoranda:
Average total assets$86,241,0004,199
Average earning assets$77,085,4004,229
Average equity$14,410,6003,696
Average total loans$54,640,6004,085
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6556%2,543
Cost of funding earning assets0.6386%3,503
Net interest margin4.0170%1,878
Noninterest income to average assets0.6230%2,091
Noninterest expense to average assets3.3245%1,216
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.6730%4,098
Return on assets (ROA)0.6730%4,159
Pretax return on assets0.8838%3,930
Return on Equity (ROE)4.0056%4,591
Retained earnings to average equity (ytd only)3.0762%3,861
Net charge-offs to loans0.0368%2,352
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)37.7325%1,423
Efficiency ratio78.9981%1,016
Assets per employee ($millions)3.3232%4,653
Cash dividends to net income (ytd only)*23.2019%2,899
Condition Ratios (%)
Loss allowance to loans1.2027%2,488
Loan loss allowance to noncurrent loans232.5175%1,861
Noncurrent assets plus other real estate owned to assets0.7415%1,856
Noncurrent loans to loans0.5173%2,739
Net loans and leases to total assets65.7507%3,079
Net loans and leases to deposits81.2256%2,772
Net loans and leases to core deposits96.2725%1,969
Total domestic deposits to total assets80.9483%3,775
Equity capital to assets17.5472%428
Core capital (leverage) ratio17.3286%401
Tier 1 risk-based capital ratio27.3460%619
Total risk-based capital ratio28.5957%605
Memoranda:
Average total assets$85,385,0004,266
Average earning assets$76,206,7504,296
Average equity$14,346,2503,735
Average total loans$54,394,5004,140
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5499%2,849
Cost of funding earning assets0.6013%3,646
Net interest margin3.9486%2,097
Noninterest income to average assets0.6546%1,897
Noninterest expense to average assets3.2454%1,417
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.7127%3,964
Return on assets (ROA)0.7127%4,021
Pretax return on assets0.9309%3,766
Return on Equity (ROE)4.3030%4,518
Retained earnings to average equity (ytd only)2.9014%3,764
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7098%1,192
Assets per employee ($millions)3.5474%4,442
Cash dividends to net income (ytd only)*32.5733%2,526
Condition Ratios (%)
Loss allowance to loans1.2249%2,387
Loan loss allowance to noncurrent loans218.6495%2,022
Noncurrent assets plus other real estate owned to assets0.7717%1,806
Noncurrent loans to loans0.5602%2,588
Net loans and leases to total assets64.4080%3,296
Net loans and leases to deposits79.1384%3,040
Net loans and leases to core deposits88.3353%2,762
Total domestic deposits to total assets81.3865%3,696
Equity capital to assets16.9867%471
Core capital (leverage) ratio17.0439%426
Tier 1 risk-based capital ratio26.7328%642
Total risk-based capital ratio27.9827%632
Memoranda:
Average total assets$86,153,6704,280
Average earning assets$76,837,6704,314
Average equity$14,269,0003,753
Average total loans$54,096,0004,174
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4309%3,115
Cost of funding earning assets0.5701%3,732
Net interest margin3.8609%2,308
Noninterest income to average assets0.6785%1,690
Noninterest expense to average assets3.3509%1,195
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.5908%4,274
Return on assets (ROA)0.5908%4,305
Pretax return on assets0.7662%4,127
Return on Equity (ROE)3.6126%4,659
Retained earnings to average equity (ytd only)0.7903%4,364
Net charge-offs to loans0.0824%1,271
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)15.0909%1,758
Efficiency ratio81.3901%932
Assets per employee ($millions)3.6803%4,372
Cash dividends to net income (ytd only)*78.1250%966
Condition Ratios (%)
Loss allowance to loans1.2302%2,426
Loan loss allowance to noncurrent loans205.2147%2,137
Noncurrent assets plus other real estate owned to assets0.9038%1,553
Noncurrent loans to loans0.5995%2,539
Net loans and leases to total assets63.4541%3,353
Net loans and leases to deposits77.6454%3,099
Net loans and leases to core deposits86.6518%2,810
Total domestic deposits to total assets81.7229%3,797
Equity capital to assets16.8051%472
Core capital (leverage) ratio16.6957%456
Tier 1 risk-based capital ratio26.1530%677
Total risk-based capital ratio27.4036%662
Memoranda:
Average total assets$86,662,0004,317
Average earning assets$77,184,5004,354
Average equity$14,172,5003,777
Average total loans$53,386,5004,232
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2563%3,253
Cost of funding earning assets0.5125%3,271
Net interest margin3.7437%2,883
Noninterest income to average assets0.6244%2,172
Noninterest expense to average assets3.1886%1,582
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.6277%4,340
Return on assets (ROA)0.6277%4,350
Pretax return on assets0.7897%4,196
Return on Equity (ROE)4.0991%4,687
Retained earnings to average equity (ytd only)4.0991%3,303
Net charge-offs to loans0.1176%1,571
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)11.4839%2,622
Efficiency ratio80.1505%948
Assets per employee ($millions)3.6949%4,325
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.2979%2,048
Loan loss allowance to noncurrent loans189.4150%2,329
Noncurrent assets plus other real estate owned to assets0.9033%1,535
Noncurrent loans to loans0.6852%2,273
Net loans and leases to total assets58.3150%3,931
Net loans and leases to deposits70.5186%3,795
Net loans and leases to core deposits77.2744%3,625
Total domestic deposits to total assets82.6945%3,427
Equity capital to assets15.9230%544
Core capital (leverage) ratio16.2039%490
Tier 1 risk-based capital ratio25.6995%692
Total risk-based capital ratio26.9508%675
Memoranda:
Average total assets$90,166,0004,268
Average earning assets$80,775,2004,304
Average equity$13,807,8003,775
Average total loans$52,704,4004,249
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2114%3,282
Cost of funding earning assets0.5119%3,118
Net interest margin3.6995%3,021
Noninterest income to average assets0.6097%2,259
Noninterest expense to average assets3.0837%1,804
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.6730%4,309
Return on assets (ROA)0.6730%4,322
Pretax return on assets0.8468%4,176
Return on Equity (ROE)4.4380%4,710
Retained earnings to average equity (ytd only)4.4380%3,531
Net charge-offs to loans0.1465%1,126
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)9.9140%2,616
Efficiency ratio78.4564%1,076
Assets per employee ($millions)3.6087%4,429
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2805%2,194
Loan loss allowance to noncurrent loans196.2644%2,273
Noncurrent assets plus other real estate owned to assets0.9133%1,619
Noncurrent loans to loans0.6524%2,455
Net loans and leases to total assets60.7981%3,764
Net loans and leases to deposits73.6880%3,621
Net loans and leases to core deposits80.3099%3,472
Total domestic deposits to total assets82.5074%3,459
Equity capital to assets16.0851%525
Core capital (leverage) ratio15.9093%529
Tier 1 risk-based capital ratio25.2831%725
Total risk-based capital ratio26.5346%712
Memoranda:
Average total assets$90,538,2504,305
Average earning assets$81,270,0004,343
Average equity$13,729,7503,813
Average total loans$52,782,5004,295
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0948%3,469
Cost of funding earning assets0.5188%2,855
Net interest margin3.5760%3,401
Noninterest income to average assets0.5857%2,405
Noninterest expense to average assets3.0115%2,011
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6271%4,414
Return on assets (ROA)0.6271%4,419
Pretax return on assets0.7861%4,290
Return on Equity (ROE)4.2159%4,763
Retained earnings to average equity (ytd only)4.2159%3,493
Net charge-offs to loans0.2281%700
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)6.0167%2,665
Efficiency ratio79.3005%1,087
Assets per employee ($millions)3.9186%4,028
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2634%2,358
Loan loss allowance to noncurrent loans207.2948%2,201
Noncurrent assets plus other real estate owned to assets0.8588%1,738
Noncurrent loans to loans0.6095%2,585
Net loans and leases to total assets59.1359%3,892
Net loans and leases to deposits73.8916%3,547
Net loans and leases to core deposits81.7015%3,270
Total domestic deposits to total assets80.0306%4,233
Equity capital to assets15.3005%630
Core capital (leverage) ratio14.8927%694
Tier 1 risk-based capital ratio24.4954%789
Total risk-based capital ratio25.7422%765
Memoranda:
Average total assets$91,848,3304,321
Average earning assets$82,494,3304,354
Average equity$13,662,6703,848
Average total loans$52,597,0004,334
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9811%3,682
Cost of funding earning assets0.5132%2,699
Net interest margin3.4679%3,649
Noninterest income to average assets0.5782%2,373
Noninterest expense to average assets3.0720%1,898
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.5091%4,667
Return on assets (ROA)0.5091%4,675
Pretax return on assets0.6256%4,628
Return on Equity (ROE)3.4708%4,897
Retained earnings to average equity (ytd only)3.4708%3,814
Net charge-offs to loans0.4778%319
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)2.3387%2,475
Efficiency ratio83.0805%856
Assets per employee ($millions)3.9543%4,056
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3147%2,175
Loan loss allowance to noncurrent loans155.9633%2,680
Noncurrent assets plus other real estate owned to assets0.9170%1,726
Noncurrent loans to loans0.8430%2,129
Net loans and leases to total assets56.1233%4,111
Net loans and leases to deposits69.8224%3,801
Net loans and leases to core deposits77.0600%3,571
Total domestic deposits to total assets80.3800%4,348
Equity capital to assets14.9844%678
Core capital (leverage) ratio14.6532%728
Tier 1 risk-based capital ratio24.8772%755
Total risk-based capital ratio26.1272%744
Memoranda:
Average total assets$92,708,5004,358
Average earning assets$83,393,5004,385
Average equity$13,599,0003,888
Average total loans$51,905,5004,397
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1156%3,002
Cost of funding earning assets0.4683%2,613
Net interest margin3.6473%2,993
Noninterest income to average assets0.6676%2,100
Noninterest expense to average assets3.2633%1,451
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.2954%4,937
Return on assets (ROA)0.2954%4,948
Pretax return on assets0.6932%4,525
Return on Equity (ROE)2.0412%5,053
Retained earnings to average equity (ytd only)1.3043%4,503
Net charge-offs to loans0.0315%3,163
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)38.2353%1,302
Efficiency ratio82.4798%891
Assets per employee ($millions)4.1073%3,803
Cash dividends to net income (ytd only)*36.1011%3,025
Condition Ratios (%)
Loss allowance to loans1.4245%1,670
Loan loss allowance to noncurrent loans143.2432%2,893
Noncurrent assets plus other real estate owned to assets0.9823%1,575
Noncurrent loans to loans0.9945%1,779
Net loans and leases to total assets54.3522%4,328
Net loans and leases to deposits66.9972%4,105
Net loans and leases to core deposits72.8291%3,985
Total domestic deposits to total assets81.1261%4,092
Equity capital to assets14.3645%816
Core capital (leverage) ratio14.1008%814
Tier 1 risk-based capital ratio24.4528%775
Total risk-based capital ratio25.7078%754
Memoranda:
Average total assets$93,769,6004,351
Average earning assets$84,555,6004,386
Average equity$13,570,2003,908
Average total loans$53,902,4004,367
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1245%2,897
Cost of funding earning assets0.4593%2,621
Net interest margin3.6652%2,892
Noninterest income to average assets0.6695%2,126
Noninterest expense to average assets3.2180%1,519
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5598%4,541
Return on assets (ROA)0.5598%4,576
Pretax return on assets0.7593%4,454
Return on Equity (ROE)3.8613%4,896
Retained earnings to average equity (ytd only)2.8788%4,188
Net charge-offs to loans-0.0123%4,687
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9097%1,007
Assets per employee ($millions)3.8820%4,187
Cash dividends to net income (ytd only)*25.4451%2,926
Condition Ratios (%)
Loss allowance to loans1.4044%1,867
Loan loss allowance to noncurrent loans187.7150%2,341
Noncurrent assets plus other real estate owned to assets0.9188%1,857
Noncurrent loans to loans0.7482%2,492
Net loans and leases to total assets57.5691%4,103
Net loans and leases to deposits71.3681%3,839
Net loans and leases to core deposits73.3313%4,034
Total domestic deposits to total assets80.6650%4,150
Equity capital to assets14.7798%786
Core capital (leverage) ratio14.4211%786
Tier 1 risk-based capital ratio23.4894%899
Total risk-based capital ratio24.7499%884
Memoranda:
Average total assets$93,594,7504,395
Average earning assets$84,467,7504,432
Average equity$13,570,2503,939
Average total loans$54,356,0004,384
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0993%2,833
Cost of funding earning assets0.4510%2,591
Net interest margin3.6483%2,848
Noninterest income to average assets0.6828%2,071
Noninterest expense to average assets3.1450%1,716
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6124%4,250
Return on assets (ROA)0.6124%4,293
Pretax return on assets0.8342%4,146
Return on Equity (ROE)4.2507%4,752
Retained earnings to average equity (ytd only)2.7696%4,050
Net charge-offs to loans-0.0110%4,576
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0349%1,333
Assets per employee ($millions)3.6018%4,574
Cash dividends to net income (ytd only)*34.8432%2,592
Condition Ratios (%)
Loss allowance to loans1.3796%2,037
Loan loss allowance to noncurrent loans193.4010%2,316
Noncurrent assets plus other real estate owned to assets0.8991%1,972
Noncurrent loans to loans0.7133%2,612
Net loans and leases to total assets58.1678%4,011
Net loans and leases to deposits71.9724%3,745
Net loans and leases to core deposits74.4451%3,902
Total domestic deposits to total assets80.8197%4,230
Equity capital to assets14.6068%801
Core capital (leverage) ratio14.5754%726
Tier 1 risk-based capital ratio23.1007%937
Total risk-based capital ratio24.3598%928
Memoranda:
Average total assets$93,737,0004,420
Average earning assets$84,698,0004,452
Average equity$13,503,6703,959
Average total loans$54,341,3304,406
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0539%2,836
Cost of funding earning assets0.4473%2,550
Net interest margin3.6066%2,868
Noninterest income to average assets0.6995%1,971
Noninterest expense to average assets3.2672%1,442
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5715%4,273
Return on assets (ROA)0.5715%4,320
Pretax return on assets0.6995%4,449
Return on Equity (ROE)3.9952%4,779
Retained earnings to average equity (ytd only)1.0137%4,656
Net charge-offs to loans-0.0371%5,036
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.3656%1,126
Assets per employee ($millions)3.2627%5,090
Cash dividends to net income (ytd only)*74.6269%1,065
Condition Ratios (%)
Loss allowance to loans1.3969%2,091
Loan loss allowance to noncurrent loans289.7727%1,659
Noncurrent assets plus other real estate owned to assets0.7859%2,333
Noncurrent loans to loans0.4821%3,357
Net loans and leases to total assets59.1112%3,874
Net loans and leases to deposits73.3360%3,467
Net loans and leases to core deposits76.2263%3,634
Total domestic deposits to total assets80.6031%4,501
Equity capital to assets14.7403%700
Core capital (leverage) ratio14.1992%787
Tier 1 risk-based capital ratio23.0278%974
Total risk-based capital ratio24.2882%956
Memoranda:
Average total assets$93,781,5004,465
Average earning assets$84,955,0004,497
Average equity$13,416,0004,001
Average total loans$53,894,5004,459
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1175%2,780
Cost of funding earning assets0.5094%2,019
Net interest margin3.6082%3,045
Noninterest income to average assets0.6729%2,302
Noninterest expense to average assets3.2131%1,763
Loan and lease loss provision to assets0.0225%3,921
Net operating income to assets0.5752%4,323
Return on assets (ROA)0.5752%4,426
Pretax return on assets0.7212%4,422
Return on Equity (ROE)4.0383%4,819
Retained earnings to average equity (ytd only)3.3377%3,546
Net charge-offs to loans-0.1431%5,672
Credit loss provision to net charge-offs-28.7671%4,783
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.2042%1,283
Assets per employee ($millions)3.5633%4,663
Cash dividends to net income (ytd only)*17.3507%3,814
Condition Ratios (%)
Loss allowance to loans1.4315%1,953
Loan loss allowance to noncurrent loans151.4970%2,791
Noncurrent assets plus other real estate owned to assets0.9906%1,915
Noncurrent loans to loans0.9449%2,197
Net loans and leases to total assets54.3240%4,419
Net loans and leases to deposits66.5173%4,203
Net loans and leases to core deposits69.2468%4,306
Total domestic deposits to total assets81.6689%4,157
Equity capital to assets13.8928%923
Core capital (leverage) ratio13.7193%893
Tier 1 risk-based capital ratio23.3958%926
Total risk-based capital ratio24.6559%914
Memoranda:
Average total assets$93,180,2004,486
Average earning assets$84,807,8004,499
Average equity$13,272,8004,059
Average total loans$51,003,2004,551
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0803%2,948
Cost of funding earning assets0.5243%1,910
Net interest margin3.5560%3,249
Noninterest income to average assets0.6751%2,288
Noninterest expense to average assets3.1968%1,781
Loan and lease loss provision to assets0.0303%3,630
Net operating income to assets0.5641%4,438
Return on assets (ROA)0.5641%4,540
Pretax return on assets0.6867%4,645
Return on Equity (ROE)3.9346%4,926
Retained earnings to average equity (ytd only)2.9988%4,118
Net charge-offs to loans-0.1822%5,736
Credit loss provision to net charge-offs-30.4348%4,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.6808%1,230
Assets per employee ($millions)3.5588%4,707
Cash dividends to net income (ytd only)*23.7858%3,078
Condition Ratios (%)
Loss allowance to loans1.4442%1,999
Loan loss allowance to noncurrent loans287.4525%1,676
Noncurrent assets plus other real estate owned to assets0.8830%2,346
Noncurrent loans to loans0.5024%3,497
Net loans and leases to total assets55.7572%4,331
Net loans and leases to deposits68.9830%4,063
Net loans and leases to core deposits71.4735%4,206
Total domestic deposits to total assets80.8274%4,292
Equity capital to assets14.5567%854
Core capital (leverage) ratio14.0354%835
Tier 1 risk-based capital ratio23.4771%948
Total risk-based capital ratio24.7371%929
Memoranda:
Average total assets$92,423,2504,539
Average earning assets$84,174,5004,550
Average equity$13,249,5004,091
Average total loans$50,498,2504,598
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9860%3,286
Cost of funding earning assets0.5372%1,804
Net interest margin3.4488%3,692
Noninterest income to average assets0.6862%2,204
Noninterest expense to average assets3.1649%1,900
Loan and lease loss provision to assets0.0455%3,239
Net operating income to assets0.5369%4,536
Return on assets (ROA)0.5369%4,646
Pretax return on assets0.6170%4,844
Return on Equity (ROE)3.7643%4,994
Retained earnings to average equity (ytd only)2.3527%4,380
Net charge-offs to loans-0.1283%5,696
Credit loss provision to net charge-offs-65.6250%4,555
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.6923%1,187
Assets per employee ($millions)3.5175%4,725
Cash dividends to net income (ytd only)*37.5000%2,536
Condition Ratios (%)
Loss allowance to loans1.4646%2,006
Loan loss allowance to noncurrent loans271.3208%1,775
Noncurrent assets plus other real estate owned to assets0.9075%2,343
Noncurrent loans to loans0.5398%3,458
Net loans and leases to total assets52.8910%4,602
Net loans and leases to deposits65.5181%4,386
Net loans and leases to core deposits68.1114%4,464
Total domestic deposits to total assets80.7273%4,352
Equity capital to assets14.6027%845
Core capital (leverage) ratio13.7387%887
Tier 1 risk-based capital ratio23.6989%934
Total risk-based capital ratio24.9586%911
Memoranda:
Average total assets$92,388,3304,571
Average earning assets$84,144,3304,584
Average equity$13,176,3304,128
Average total loans$49,882,0004,651
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9685%3,335
Cost of funding earning assets0.5575%1,643
Net interest margin3.4110%3,833
Noninterest income to average assets0.6849%2,112
Noninterest expense to average assets3.2309%1,761
Loan and lease loss provision to assets0.0905%2,171
Net operating income to assets0.4437%4,850
Return on assets (ROA)0.4437%4,933
Pretax return on assets0.4739%5,154
Return on Equity (ROE)3.1482%5,186
Retained earnings to average equity (ytd only)0.3056%5,040
Net charge-offs to loans-0.0398%5,210
Credit loss provision to net charge-offs-420.0000%4,513
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1305%1,051
Assets per employee ($millions)3.6086%4,635
Cash dividends to net income (ytd only)*90.2913%832
Condition Ratios (%)
Loss allowance to loans1.3820%2,504
Loan loss allowance to noncurrent loans173.8693%2,485
Noncurrent assets plus other real estate owned to assets1.2108%1,801
Noncurrent loans to loans0.7948%2,848
Net loans and leases to total assets52.6326%4,568
Net loans and leases to deposits64.6488%4,375
Net loans and leases to core deposits67.8539%4,416
Total domestic deposits to total assets81.4131%4,375
Equity capital to assets14.0092%978
Core capital (leverage) ratio13.6170%941
Tier 1 risk-based capital ratio23.7386%941
Total risk-based capital ratio24.9986%929
Memoranda:
Average total assets$92,854,5004,600
Average earning assets$84,667,5004,601
Average equity$13,087,0004,153
Average total loans$50,277,5004,665
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1066%2,888
Cost of funding earning assets0.6145%1,285
Net interest margin3.4921%3,553
Noninterest income to average assets0.7072%2,167
Noninterest expense to average assets3.1625%2,055
Loan and lease loss provision to assets0.0570%3,169
Net operating income to assets0.5934%4,303
Return on assets (ROA)0.6439%4,155
Pretax return on assets0.7368%4,413
Return on Equity (ROE)4.7685%4,620
Retained earnings to average equity (ytd only)3.9867%3,193
Net charge-offs to loans-0.0431%5,512
Credit loss provision to net charge-offs-245.4545%5,311
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.1265%1,515
Assets per employee ($millions)3.5340%4,762
Cash dividends to net income (ytd only)*16.3934%3,898
Condition Ratios (%)
Loss allowance to loans1.3193%2,795
Loan loss allowance to noncurrent loans163.6364%2,639
Noncurrent assets plus other real estate owned to assets1.2461%1,721
Noncurrent loans to loans0.8062%2,768
Net loans and leases to total assets54.2145%4,480
Net loans and leases to deposits66.8541%4,233
Net loans and leases to core deposits70.2877%4,288
Total domestic deposits to total assets81.0938%4,454
Equity capital to assets14.1808%871
Core capital (leverage) ratio13.6051%935
Tier 1 risk-based capital ratio23.3501%971
Total risk-based capital ratio24.6100%958
Memoranda:
Average total assets$94,734,0004,567
Average earning assets$86,568,0004,577
Average equity$12,792,4004,175
Average total loans$51,061,6004,638
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1066%2,910
Cost of funding earning assets0.6249%1,246
Net interest margin3.4817%3,620
Noninterest income to average assets0.6789%2,333
Noninterest expense to average assets3.0984%2,224
Loan and lease loss provision to assets0.0754%2,671
Net operating income to assets0.6023%4,375
Return on assets (ROA)0.6691%4,152
Pretax return on assets0.7655%4,444
Return on Equity (ROE)5.0157%4,619
Retained earnings to average equity (ytd only)3.9686%3,646
Net charge-offs to loans-0.0625%5,618
Credit loss provision to net charge-offs-225.0000%5,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.2170%1,632
Assets per employee ($millions)3.5373%4,727
Cash dividends to net income (ytd only)*20.8768%3,202
Condition Ratios (%)
Loss allowance to loans1.2605%3,304
Loan loss allowance to noncurrent loans156.8075%2,725
Noncurrent assets plus other real estate owned to assets1.2928%1,811
Noncurrent loans to loans0.8038%2,957
Net loans and leases to total assets56.8962%4,257
Net loans and leases to deposits70.1344%3,970
Net loans and leases to core deposits73.5006%4,061
Total domestic deposits to total assets81.1245%4,442
Equity capital to assets14.1186%979
Core capital (leverage) ratio13.1992%1,136
Tier 1 risk-based capital ratio22.5939%1,109
Total risk-based capital ratio23.8512%1,089
Memoranda:
Average total assets$95,446,2504,609
Average earning assets$87,272,0004,600
Average equity$12,733,0004,232
Average total loans$51,206,7504,676
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0723%3,000
Cost of funding earning assets0.6293%1,233
Net interest margin3.4430%3,744
Noninterest income to average assets0.6873%2,267
Noninterest expense to average assets3.0475%2,403
Loan and lease loss provision to assets0.1118%1,969
Net operating income to assets0.6076%4,308
Return on assets (ROA)0.7101%3,968
Pretax return on assets0.7909%4,347
Return on Equity (ROE)5.4234%4,414
Retained earnings to average equity (ytd only)4.1110%3,410
Net charge-offs to loans0.1423%1,645
Credit loss provision to net charge-offs150.0000%1,529
Earnings coverage of net charge-offs (x)10.5833%2,354
Efficiency ratio79.4387%1,845
Assets per employee ($millions)3.9410%3,995
Cash dividends to net income (ytd only)*24.1983%3,039
Condition Ratios (%)
Loss allowance to loans1.1295%4,183
Loan loss allowance to noncurrent loans119.2157%3,290
Noncurrent assets plus other real estate owned to assets1.2951%1,942
Noncurrent loans to loans0.9475%2,757
Net loans and leases to total assets56.2674%4,312
Net loans and leases to deposits68.7002%4,061
Net loans and leases to core deposits73.7538%3,974
Total domestic deposits to total assets81.9029%4,323
Equity capital to assets13.4928%1,173
Core capital (leverage) ratio12.8768%1,226
Tier 1 risk-based capital ratio22.3410%1,157
Total risk-based capital ratio23.5071%1,146
Memoranda:
Average total assets$96,604,6704,622
Average earning assets$88,353,0004,631
Average equity$12,649,0004,271
Average total loans$50,610,3304,731
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0162%3,175
Cost of funding earning assets0.6351%1,202
Net interest margin3.3811%3,912
Noninterest income to average assets0.6761%2,272
Noninterest expense to average assets2.9135%2,859
Loan and lease loss provision to assets0.1639%1,224
Net operating income to assets0.6679%3,964
Return on assets (ROA)0.6679%4,086
Pretax return on assets0.6966%4,605
Return on Equity (ROE)5.1777%4,443
Retained earnings to average equity (ytd only)2.5412%4,416
Net charge-offs to loans0.2367%1,006
Credit loss provision to net charge-offs137.9310%1,323
Earnings coverage of net charge-offs (x)7.2414%2,190
Efficiency ratio77.1987%2,313
Assets per employee ($millions)3.6173%4,689
Cash dividends to net income (ytd only)*50.9202%1,699
Condition Ratios (%)
Loss allowance to loans1.2221%3,828
Loan loss allowance to noncurrent loans131.5098%3,057
Noncurrent assets plus other real estate owned to assets1.2154%2,202
Noncurrent loans to loans0.9293%2,922
Net loans and leases to total assets49.7384%4,879
Net loans and leases to deposits60.2780%4,725
Net loans and leases to core deposits64.7879%4,627
Total domestic deposits to total assets82.5151%4,350
Equity capital to assets13.0259%1,385
Core capital (leverage) ratio12.5857%1,325
Tier 1 risk-based capital ratio20.5667%1,519
Total risk-based capital ratio21.6411%1,515
Memoranda:
Average total assets$97,615,0004,632
Average earning assets$89,438,0004,646
Average equity$12,592,5004,305
Average total loans$49,001,5004,816
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1628%3,071
Cost of funding earning assets0.7242%979
Net interest margin3.4386%4,028
Noninterest income to average assets0.6797%2,397
Noninterest expense to average assets3.1369%2,396
Loan and lease loss provision to assets0.0123%4,377
Net operating income to assets0.6333%4,219
Return on assets (ROA)0.6593%4,191
Pretax return on assets0.7032%4,618
Return on Equity (ROE)5.3536%4,484
Retained earnings to average equity (ytd only)4.7311%2,809
Net charge-offs to loans0.0570%3,690
Credit loss provision to net charge-offs42.8571%3,617
Earnings coverage of net charge-offs (x)24.0357%1,556
Efficiency ratio82.0150%1,660
Assets per employee ($millions)3.9025%4,159
Cash dividends to net income (ytd only)*11.6279%4,082
Condition Ratios (%)
Loss allowance to loans1.2084%3,947
Loan loss allowance to noncurrent loans109.8696%3,505
Noncurrent assets plus other real estate owned to assets0.9645%2,829
Noncurrent loans to loans1.0999%2,630
Net loans and leases to total assets49.4388%5,024
Net loans and leases to deposits59.7414%4,923
Net loans and leases to core deposits63.8041%4,841
Total domestic deposits to total assets82.7547%4,164
Equity capital to assets12.7743%1,483
Core capital (leverage) ratio12.1665%1,518
Tier 1 risk-based capital ratio20.7100%1,469
Total risk-based capital ratio21.8096%1,471
Memoranda:
Average total assets$97,836,8004,651
Average earning assets$89,483,0004,669
Average equity$12,048,0004,352
Average total loans$49,083,4004,851
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1644%3,112
Cost of funding earning assets0.7368%955
Net interest margin3.4276%4,116
Noninterest income to average assets0.6537%2,556
Noninterest expense to average assets3.0723%2,557
Loan and lease loss provision to assets0.0163%4,087
Net operating income to assets0.6504%4,218
Return on assets (ROA)0.6850%4,106
Pretax return on assets0.7313%4,590
Return on Equity (ROE)5.6148%4,436
Retained earnings to average equity (ytd only)4.7776%3,228
Net charge-offs to loans0.0488%3,524
Credit loss provision to net charge-offs66.6667%2,820
Earnings coverage of net charge-offs (x)28.9992%1,405
Efficiency ratio81.2095%1,726
Assets per employee ($millions)3.6718%4,534
Cash dividends to net income (ytd only)*14.9109%3,385
Condition Ratios (%)
Loss allowance to loans1.1995%4,226
Loan loss allowance to noncurrent loans107.7061%3,488
Noncurrent assets plus other real estate owned to assets1.0862%2,791
Noncurrent loans to loans1.1137%2,839
Net loans and leases to total assets51.8540%4,824
Net loans and leases to deposits62.8271%4,661
Net loans and leases to core deposits67.2362%4,584
Total domestic deposits to total assets82.5345%4,289
Equity capital to assets12.9289%1,466
Core capital (leverage) ratio12.2784%1,528
Tier 1 risk-based capital ratio20.3940%1,575
Total risk-based capital ratio21.4916%1,574
Memoranda:
Average total assets$97,905,2504,697
Average earning assets$89,389,2504,717
Average equity$11,944,2504,396
Average total loans$49,148,2504,895
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1117%3,294
Cost of funding earning assets0.7490%928
Net interest margin3.3627%4,341
Noninterest income to average assets0.6321%2,647
Noninterest expense to average assets3.0511%2,660
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.6035%4,342
Return on assets (ROA)0.6544%4,171
Pretax return on assets0.7010%4,635
Return on Equity (ROE)5.4693%4,448
Retained earnings to average equity (ytd only)4.1994%3,497
Net charge-offs to loans0.0410%3,410
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)31.9000%1,203
Efficiency ratio82.5205%1,686
Assets per employee ($millions)3.6948%4,461
Cash dividends to net income (ytd only)*23.2198%3,065
Condition Ratios (%)
Loss allowance to loans1.2102%4,376
Loan loss allowance to noncurrent loans102.5773%3,579
Noncurrent assets plus other real estate owned to assets1.3668%2,393
Noncurrent loans to loans1.1798%2,875
Net loans and leases to total assets50.7287%4,885
Net loans and leases to deposits61.1881%4,763
Net loans and leases to core deposits66.3011%4,611
Total domestic deposits to total assets82.9062%4,340
Equity capital to assets12.6260%1,574
Core capital (leverage) ratio11.8559%1,748
Tier 1 risk-based capital ratio19.9926%1,689
Total risk-based capital ratio21.0761%1,694
Memoranda:
Average total assets$98,717,6704,711
Average earning assets$89,987,6704,733
Average equity$11,811,3304,436
Average total loans$48,829,3304,938
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9570%3,871
Cost of funding earning assets0.7450%992
Net interest margin3.2121%4,887
Noninterest income to average assets0.6477%2,477
Noninterest expense to average assets2.9347%3,099
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6237%4,074
Return on assets (ROA)0.6237%4,159
Pretax return on assets0.6437%4,685
Return on Equity (ROE)5.3551%4,359
Retained earnings to average equity (ytd only)2.7805%4,419
Net charge-offs to loans0.1976%1,549
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)6.7083%2,198
Efficiency ratio82.0112%1,923
Assets per employee ($millions)3.6486%4,625
Cash dividends to net income (ytd only)*48.0769%1,746
Condition Ratios (%)
Loss allowance to loans1.1855%4,706
Loan loss allowance to noncurrent loans88.6018%3,922
Noncurrent assets plus other real estate owned to assets1.1582%2,945
Noncurrent loans to loans1.3380%2,803
Net loans and leases to total assets49.3295%4,968
Net loans and leases to deposits58.9228%4,851
Net loans and leases to core deposits64.5743%4,642
Total domestic deposits to total assets83.7189%4,381
Equity capital to assets11.9416%1,908
Core capital (leverage) ratio11.6095%1,893
Tier 1 risk-based capital ratio19.5455%1,823
Total risk-based capital ratio20.6306%1,836
Memoranda:
Average total assets$100,044,5004,737
Average earning assets$91,280,5004,743
Average equity$11,652,5004,481
Average total loans$48,579,5004,985
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2728%3,056
Cost of funding earning assets0.7997%1,210
Net interest margin3.4731%4,015
Noninterest income to average assets0.7406%2,331
Noninterest expense to average assets3.1583%2,553
Loan and lease loss provision to assets0.1149%2,890
Net operating income to assets0.5767%4,374
Return on assets (ROA)0.6826%3,980
Pretax return on assets0.7326%4,405
Return on Equity (ROE)5.6727%4,287
Retained earnings to average equity (ytd only)-0.0997%5,889
Net charge-offs to loans0.5573%1,185
Credit loss provision to net charge-offs45.0980%3,937
Earnings coverage of net charge-offs (x)2.8784%4,040
Efficiency ratio81.1505%2,000
Assets per employee ($millions)3.7621%4,345
Cash dividends to net income (ytd only)*101.7570%371
Condition Ratios (%)
Loss allowance to loans1.2651%4,320
Loan loss allowance to noncurrent loans116.9557%3,217
Noncurrent assets plus other real estate owned to assets0.8870%3,676
Noncurrent loans to loans1.0817%3,363
Net loans and leases to total assets46.6380%5,429
Net loans and leases to deposits55.2332%5,374
Net loans and leases to core deposits61.2981%5,125
Total domestic deposits to total assets84.4383%3,994
Equity capital to assets11.3619%2,276
Core capital (leverage) ratio11.2088%2,186
Tier 1 risk-based capital ratio19.6542%1,737
Total risk-based capital ratio20.8277%1,726
Memoranda:
Average total assets$100,053,4004,736
Average earning assets$90,783,0004,751
Average equity$12,040,2004,430
Average total loans$45,757,8005,124
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3280%2,878
Cost of funding earning assets0.8104%1,273
Net interest margin3.5176%3,800
Noninterest income to average assets0.7478%2,376
Noninterest expense to average assets3.0807%2,722
Loan and lease loss provision to assets0.0201%4,599
Net operating income to assets0.7064%3,821
Return on assets (ROA)0.8360%3,287
Pretax return on assets0.9872%3,553
Return on Equity (ROE)6.8501%3,736
Retained earnings to average equity (ytd only)2.3016%4,950
Net charge-offs to loans0.2861%2,110
Credit loss provision to net charge-offs15.4639%4,143
Earnings coverage of net charge-offs (x)6.5876%2,944
Efficiency ratio78.2801%2,378
Assets per employee ($millions)3.7594%4,323
Cash dividends to net income (ytd only)*66.4003%1,215
Condition Ratios (%)
Loss allowance to loans1.4427%3,721
Loan loss allowance to noncurrent loans155.7377%2,467
Noncurrent assets plus other real estate owned to assets0.6855%4,401
Noncurrent loans to loans0.9264%3,963
Net loans and leases to total assets46.4765%5,495
Net loans and leases to deposits55.6839%5,401
Net loans and leases to core deposits62.7294%5,041
Total domestic deposits to total assets83.4650%4,393
Equity capital to assets12.1593%1,813
Core capital (leverage) ratio11.6929%1,892
Tier 1 risk-based capital ratio20.9641%1,499
Total risk-based capital ratio22.2156%1,474
Memoranda:
Average total assets$99,672,7504,791
Average earning assets$90,324,7504,799
Average equity$12,165,0004,469
Average total loans$45,202,2505,194
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3743%2,660
Cost of funding earning assets0.8166%1,330
Net interest margin3.5577%3,527
Noninterest income to average assets0.5981%3,205
Noninterest expense to average assets3.0783%2,730
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.6550%4,040
Return on assets (ROA)0.8573%3,156
Pretax return on assets0.9610%3,677
Return on Equity (ROE)7.0156%3,590
Retained earnings to average equity (ytd only)4.8457%3,150
Net charge-offs to loans-0.0223%6,001
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7531%2,055
Assets per employee ($millions)3.6029%4,617
Cash dividends to net income (ytd only)*30.9302%2,640
Condition Ratios (%)
Loss allowance to loans1.6604%2,936
Loan loss allowance to noncurrent loans162.0690%2,376
Noncurrent assets plus other real estate owned to assets0.7042%4,462
Noncurrent loans to loans1.0245%3,886
Net loans and leases to total assets45.7857%5,556
Net loans and leases to deposits54.8976%5,444
Net loans and leases to core deposits61.8554%5,104
Total domestic deposits to total assets83.4020%4,548
Equity capital to assets12.2506%1,738
Core capital (leverage) ratio11.7184%1,788
Tier 1 risk-based capital ratio21.1928%1,449
Total risk-based capital ratio22.4456%1,417
Memoranda:
Average total assets$100,315,6704,806
Average earning assets$90,620,0004,825
Average equity$12,258,3304,473
Average total loans$44,905,3305,228
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3775%2,604
Cost of funding earning assets0.8369%1,331
Net interest margin3.5405%3,521
Noninterest income to average assets0.5421%3,488
Noninterest expense to average assets3.1502%2,512
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.5695%4,364
Return on assets (ROA)0.5813%4,458
Pretax return on assets0.5774%5,031
Return on Equity (ROE)4.7631%4,705
Retained earnings to average equity (ytd only)1.5126%5,228
Net charge-offs to loans-0.0447%6,084
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7780%1,669
Assets per employee ($millions)3.6873%4,588
Cash dividends to net income (ytd only)*68.2432%1,135
Condition Ratios (%)
Loss allowance to loans1.6694%3,135
Loan loss allowance to noncurrent loans109.6210%3,104
Noncurrent assets plus other real estate owned to assets0.7825%4,418
Noncurrent loans to loans1.5229%3,263
Net loans and leases to total assets44.4896%5,611
Net loans and leases to deposits53.4062%5,486
Net loans and leases to core deposits60.5907%5,085
Total domestic deposits to total assets83.3042%4,760
Equity capital to assets12.4731%1,729
Core capital (leverage) ratio11.7551%1,706
Tier 1 risk-based capital ratio21.3574%1,460
Total risk-based capital ratio22.6100%1,436
Memoranda:
Average total assets$101,835,0004,814
Average earning assets$91,285,5004,860
Average equity$12,429,0004,488
Average total loans$44,712,5005,272
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6104%2,957
Cost of funding earning assets1.0639%1,055
Net interest margin3.5465%4,313
Noninterest income to average assets0.6504%2,984
Noninterest expense to average assets3.0051%3,251
Loan and lease loss provision to assets0.0980%4,422
Net operating income to assets0.6624%3,917
Return on assets (ROA)0.7572%3,720
Pretax return on assets0.8130%4,245
Return on Equity (ROE)6.2636%4,036
Retained earnings to average equity (ytd only)1.7583%4,977
Net charge-offs to loans0.2227%3,615
Credit loss provision to net charge-offs100.0000%3,032
Earnings coverage of net charge-offs (x)8.2600%2,441
Efficiency ratio78.7879%2,310
Assets per employee ($millions)3.8560%4,259
Cash dividends to net income (ytd only)*71.9276%1,293
Condition Ratios (%)
Loss allowance to loans1.6832%2,992
Loan loss allowance to noncurrent loans120.4839%2,829
Noncurrent assets plus other real estate owned to assets0.7117%4,699
Noncurrent loans to loans1.3970%3,510
Net loans and leases to total assets41.9097%6,018
Net loans and leases to deposits49.9159%5,962
Net loans and leases to core deposits57.6302%5,583
Total domestic deposits to total assets83.9605%4,334
Equity capital to assets11.9487%2,074
Core capital (leverage) ratio11.3867%1,946
Tier 1 risk-based capital ratio22.1045%1,247
Total risk-based capital ratio23.3575%1,214
Memoranda:
Average total assets$102,092,6004,776
Average earning assets$91,075,8004,840
Average equity$12,341,2004,490
Average total loans$44,896,6005,288
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6408%3,056
Cost of funding earning assets1.1047%1,047
Net interest margin3.5362%4,500
Noninterest income to average assets0.6536%2,974
Noninterest expense to average assets2.8704%3,709
Loan and lease loss provision to assets0.0459%5,200
Net operating income to assets0.8085%3,409
Return on assets (ROA)0.8085%3,652
Pretax return on assets0.9135%4,050
Return on Equity (ROE)6.6684%3,980
Retained earnings to average equity (ytd only)1.0068%5,765
Net charge-offs to loans0.1184%4,193
Credit loss provision to net charge-offs87.5000%3,382
Earnings coverage of net charge-offs (x)18.2756%1,568
Efficiency ratio74.9486%2,836
Assets per employee ($millions)3.9077%4,063
Cash dividends to net income (ytd only)*84.9034%552
Condition Ratios (%)
Loss allowance to loans1.6505%3,327
Loan loss allowance to noncurrent loans121.4052%2,752
Noncurrent assets plus other real estate owned to assets0.7215%4,886
Noncurrent loans to loans1.3595%3,747
Net loans and leases to total assets43.5772%6,000
Net loans and leases to deposits52.1625%5,967
Net loans and leases to core deposits60.7125%5,485
Total domestic deposits to total assets83.5412%4,417
Equity capital to assets12.3033%2,036
Core capital (leverage) ratio11.2915%2,146
Tier 1 risk-based capital ratio21.7241%1,376
Total risk-based capital ratio22.9767%1,353
Memoranda:
Average total assets$101,587,7504,836
Average earning assets$91,245,5004,880
Average equity$12,316,5004,535
Average total loans$45,025,7505,342
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6360%3,208
Cost of funding earning assets1.1448%1,053
Net interest margin3.4913%4,710
Noninterest income to average assets0.6576%2,915
Noninterest expense to average assets2.9158%3,561
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.7737%3,499
Return on assets (ROA)0.7737%3,772
Pretax return on assets0.8820%4,152
Return on Equity (ROE)6.4135%4,090
Retained earnings to average equity (ytd only)-1.5667%6,300
Net charge-offs to loans0.1777%3,532
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)11.2000%1,983
Efficiency ratio76.7755%2,627
Assets per employee ($millions)3.7734%4,378
Cash dividends to net income (ytd only)*124.4275%249
Condition Ratios (%)
Loss allowance to loans1.5307%3,869
Loan loss allowance to noncurrent loans109.4427%2,961
Noncurrent assets plus other real estate owned to assets0.7528%4,914
Noncurrent loans to loans1.3986%3,824
Net loans and leases to total assets44.6418%5,953
Net loans and leases to deposits53.2520%5,931
Net loans and leases to core deposits61.6321%5,427
Total domestic deposits to total assets83.8313%4,386
Equity capital to assets12.0640%2,104
Core capital (leverage) ratio10.9689%2,331
Tier 1 risk-based capital ratio20.8190%1,518
Total risk-based capital ratio22.0704%1,488
Memoranda:
Average total assets$101,584,0004,866
Average earning assets$91,371,0004,886
Average equity$12,255,3304,550
Average total loans$45,028,6705,381
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6501%3,266
Cost of funding earning assets1.1901%1,027
Net interest margin3.4601%4,878
Noninterest income to average assets0.7256%2,529
Noninterest expense to average assets2.8235%3,931
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.8715%3,045
Return on assets (ROA)0.8715%3,269
Pretax return on assets0.9977%3,686
Return on Equity (ROE)7.2237%3,646
Retained earnings to average equity (ytd only)1.4382%5,515
Net charge-offs to loans0.0270%4,306
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)84.3333%404
Efficiency ratio73.8906%3,112
Assets per employee ($millions)3.8304%4,360
Cash dividends to net income (ytd only)*80.0905%812
Condition Ratios (%)
Loss allowance to loans1.6482%3,548
Loan loss allowance to noncurrent loans107.5145%2,880
Noncurrent assets plus other real estate owned to assets0.9070%4,704
Noncurrent loans to loans1.5330%3,816
Net loans and leases to total assets42.9261%6,106
Net loans and leases to deposits51.0775%6,064
Net loans and leases to core deposits58.9278%5,632
Total domestic deposits to total assets84.0411%4,470
Equity capital to assets11.8601%2,139
Core capital (leverage) ratio11.2940%2,036
Tier 1 risk-based capital ratio21.1612%1,460
Total risk-based capital ratio22.4138%1,428
Memoranda:
Average total assets$101,435,0004,903
Average earning assets$90,750,0004,937
Average equity$12,237,5004,568
Average total loans$44,448,5005,447
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2543%1,850
Cost of funding earning assets1.4357%899
Net interest margin3.8186%3,729
Noninterest income to average assets0.7187%2,500
Noninterest expense to average assets3.1539%3,014
Loan and lease loss provision to assets0.5708%1,821
Net operating income to assets0.3921%4,902
Return on assets (ROA)0.5857%4,254
Pretax return on assets0.5778%4,752
Return on Equity (ROE)5.1138%4,337
Retained earnings to average equity (ytd only)3.4757%3,745
Net charge-offs to loans1.0042%1,730
Credit loss provision to net charge-offs123.6559%2,541
Earnings coverage of net charge-offs (x)2.0688%4,231
Efficiency ratio76.7577%2,777
Assets per employee ($millions)3.6833%4,587
Cash dividends to net income (ytd only)*32.0339%3,026
Condition Ratios (%)
Loss allowance to loans1.7071%3,173
Loan loss allowance to noncurrent loans90.1086%3,320
Noncurrent assets plus other real estate owned to assets1.0810%4,457
Noncurrent loans to loans1.8945%3,348
Net loans and leases to total assets43.2497%6,269
Net loans and leases to deposits51.7612%6,232
Net loans and leases to core deposits58.5040%5,973
Total domestic deposits to total assets83.5562%4,516
Equity capital to assets12.2768%1,925
Core capital (leverage) ratio11.8593%1,677
Tier 1 risk-based capital ratio23.2077%1,078
Total risk-based capital ratio24.4627%1,058
Memoranda:
Average total assets$100,731,4004,874
Average earning assets$89,431,2004,951
Average equity$11,537,4004,652
Average total loans$46,307,4005,413
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3992%1,505
Cost of funding earning assets1.4766%937
Net interest margin3.9226%3,261
Noninterest income to average assets0.7402%2,367
Noninterest expense to average assets3.0822%3,228
Loan and lease loss provision to assets0.7587%1,253
Net operating income to assets0.5014%4,545
Return on assets (ROA)0.6584%4,003
Pretax return on assets0.5370%5,013
Return on Equity (ROE)5.8518%4,091
Retained earnings to average equity (ytd only)4.0810%3,824
Net charge-offs to loans1.2553%1,237
Credit loss provision to net charge-offs130.0905%2,442
Earnings coverage of net charge-offs (x)1.9525%4,193
Efficiency ratio73.0228%3,358
Assets per employee ($millions)3.7109%4,512
Cash dividends to net income (ytd only)*30.2606%2,463
Condition Ratios (%)
Loss allowance to loans1.7191%3,204
Loan loss allowance to noncurrent loans61.2878%4,398
Noncurrent assets plus other real estate owned to assets1.6248%3,647
Noncurrent loans to loans2.8050%2,478
Net loans and leases to total assets43.9922%6,335
Net loans and leases to deposits52.5652%6,323
Net loans and leases to core deposits59.6794%6,014
Total domestic deposits to total assets83.6908%4,381
Equity capital to assets12.2182%2,081
Core capital (leverage) ratio11.7395%1,865
Tier 1 risk-based capital ratio22.7790%1,176
Total risk-based capital ratio24.0337%1,154
Memoranda:
Average total assets$101,052,2504,893
Average earning assets$89,666,0004,962
Average equity$11,369,5004,721
Average total loans$46,944,7505,427
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4337%1,464
Cost of funding earning assets1.5102%972
Net interest margin3.9234%3,199
Noninterest income to average assets0.7559%2,233
Noninterest expense to average assets3.0887%3,294
Loan and lease loss provision to assets1.0855%760
Net operating income to assets0.2131%5,696
Return on assets (ROA)0.2131%5,812
Pretax return on assets0.0632%6,164
Return on Equity (ROE)1.9497%5,804
Retained earnings to average equity (ytd only)-0.5416%5,974
Net charge-offs to loans1.8177%763
Credit loss provision to net charge-offs127.0208%2,406
Earnings coverage of net charge-offs (x)1.3441%4,280
Efficiency ratio72.8924%3,564
Assets per employee ($millions)3.7637%4,286
Cash dividends to net income (ytd only)*127.7778%266
Condition Ratios (%)
Loss allowance to loans1.5733%3,810
Loan loss allowance to noncurrent loans53.8133%4,793
Noncurrent assets plus other real estate owned to assets1.7703%3,554
Noncurrent loans to loans2.9236%2,495
Net loans and leases to total assets46.4806%6,219
Net loans and leases to deposits55.0032%6,223
Net loans and leases to core deposits61.8845%5,907
Total domestic deposits to total assets84.5052%4,114
Equity capital to assets11.4966%2,502
Core capital (leverage) ratio11.1518%2,140
Tier 1 risk-based capital ratio20.2216%1,568
Total risk-based capital ratio21.4740%1,542
Memoranda:
Average total assets$101,338,0004,922
Average earning assets$89,921,0004,996
Average equity$11,078,6704,788
Average total loans$47,643,3305,452
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5298%1,221
Cost of funding earning assets1.5438%1,008
Net interest margin3.9859%2,747
Noninterest income to average assets0.7945%2,054
Noninterest expense to average assets2.8143%4,386
Loan and lease loss provision to assets0.8103%1,038
Net operating income to assets0.6364%3,827
Return on assets (ROA)0.6364%3,898
Pretax return on assets0.6601%4,455
Return on Equity (ROE)5.9760%3,918
Retained earnings to average equity (ytd only)4.1943%3,645
Net charge-offs to loans0.8679%1,522
Credit loss provision to net charge-offs199.0291%1,496
Earnings coverage of net charge-offs (x)3.6117%2,695
Efficiency ratio65.6827%5,084
Assets per employee ($millions)3.7332%4,467
Cash dividends to net income (ytd only)*29.8137%1,996
Condition Ratios (%)
Loss allowance to loans1.5825%3,807
Loan loss allowance to noncurrent loans62.6588%4,271
Noncurrent assets plus other real estate owned to assets1.4673%4,057
Noncurrent loans to loans2.5257%2,954
Net loans and leases to total assets45.6561%6,318
Net loans and leases to deposits53.6101%6,333
Net loans and leases to core deposits60.2956%6,073
Total domestic deposits to total assets85.1632%3,964
Equity capital to assets10.8297%2,855
Core capital (leverage) ratio11.1451%2,077
Tier 1 risk-based capital ratio20.6589%1,454
Total risk-based capital ratio21.9115%1,427
Memoranda:
Average total assets$101,196,5004,971
Average earning assets$88,611,5005,070
Average equity$10,776,5004,850
Average total loans$47,470,5005,500
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9434%956
Cost of funding earning assets1.8535%988
Net interest margin4.0900%2,616
Noninterest income to average assets0.7374%2,606
Noninterest expense to average assets3.2308%2,975
Loan and lease loss provision to assets0.9916%1,638
Net operating income to assets0.3338%4,813
Return on assets (ROA)0.4295%4,561
Pretax return on assets0.1864%5,516
Return on Equity (ROE)3.9316%4,559
Retained earnings to average equity (ytd only)3.3387%3,528
Net charge-offs to loans2.0863%961
Credit loss provision to net charge-offs90.1268%5,127
Earnings coverage of net charge-offs (x)0.9837%5,124
Efficiency ratio74.9076%3,222
Assets per employee ($millions)3.6284%4,635
Cash dividends to net income (ytd only)*15.0812%3,615
Condition Ratios (%)
Loss allowance to loans1.3242%4,876
Loan loss allowance to noncurrent loans65.1020%4,145
Noncurrent assets plus other real estate owned to assets1.2491%4,526
Noncurrent loans to loans2.0340%3,512
Net loans and leases to total assets46.7961%6,494
Net loans and leases to deposits54.6905%6,553
Net loans and leases to core deposits60.0093%6,390
Total domestic deposits to total assets85.5654%3,570
Equity capital to assets10.4699%3,187
Core capital (leverage) ratio11.0721%2,105
Tier 1 risk-based capital ratio19.8461%1,516
Total risk-based capital ratio21.0973%1,490
Memoranda:
Average total assets$100,347,0004,979
Average earning assets$87,727,0005,086
Average equity$10,962,4004,872
Average total loans$52,917,6005,361
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0175%906
Cost of funding earning assets1.9087%1,006
Net interest margin4.1088%2,591
Noninterest income to average assets0.7717%2,378
Noninterest expense to average assets3.0735%3,453
Loan and lease loss provision to assets0.9930%1,498
Net operating income to assets0.4492%4,542
Return on assets (ROA)0.5771%4,132
Pretax return on assets0.4398%5,112
Return on Equity (ROE)5.2276%4,181
Retained earnings to average equity (ytd only)4.5998%3,263
Net charge-offs to loans1.7769%1,097
Credit loss provision to net charge-offs103.3287%4,153
Earnings coverage of net charge-offs (x)1.3578%4,720
Efficiency ratio70.1979%4,022
Assets per employee ($millions)3.4917%5,005
Cash dividends to net income (ytd only)*12.0089%3,261
Condition Ratios (%)
Loss allowance to loans1.5316%3,822
Loan loss allowance to noncurrent loans76.3889%3,522
Noncurrent assets plus other real estate owned to assets1.3573%4,454
Noncurrent loans to loans2.0050%3,668
Net loans and leases to total assets50.6347%6,259
Net loans and leases to deposits60.2085%6,296
Net loans and leases to core deposits66.9706%6,040
Total domestic deposits to total assets84.0989%4,062
Equity capital to assets11.8281%2,264
Core capital (leverage) ratio11.4772%1,953
Tier 1 risk-based capital ratio20.1474%1,519
Total risk-based capital ratio21.3995%1,484
Memoranda:
Average total assets$100,034,7505,044
Average earning assets$87,808,5005,149
Average equity$11,043,7504,912
Average total loans$54,101,7505,386
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0769%794
Cost of funding earning assets2.0044%907
Net interest margin4.0725%2,691
Noninterest income to average assets0.7263%2,542
Noninterest expense to average assets3.0261%3,615
Loan and lease loss provision to assets1.1787%1,198
Net operating income to assets0.2520%5,368
Return on assets (ROA)0.4504%4,706
Pretax return on assets0.2719%5,589
Return on Equity (ROE)4.1765%4,699
Retained earnings to average equity (ytd only)3.4590%3,904
Net charge-offs to loans2.4595%708
Credit loss provision to net charge-offs87.2247%4,512
Earnings coverage of net charge-offs (x)0.9266%4,849
Efficiency ratio70.7328%4,030
Assets per employee ($millions)3.4088%5,162
Cash dividends to net income (ytd only)*17.1806%2,979
Condition Ratios (%)
Loss allowance to loans1.2266%5,317
Loan loss allowance to noncurrent loans53.9280%4,708
Noncurrent assets plus other real estate owned to assets1.7738%3,796
Noncurrent loans to loans2.2745%3,403
Net loans and leases to total assets55.6000%5,769
Net loans and leases to deposits65.9713%5,807
Net loans and leases to core deposits73.2771%5,526
Total domestic deposits to total assets84.2791%3,970
Equity capital to assets11.5846%2,375
Core capital (leverage) ratio11.1419%2,141
Tier 1 risk-based capital ratio18.9465%1,733
Total risk-based capital ratio20.1431%1,714
Memoranda:
Average total assets$100,790,6705,055
Average earning assets$87,906,0005,181
Average equity$10,870,3304,951
Average total loans$55,377,6705,365
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0108%960
Cost of funding earning assets2.1457%695
Net interest margin3.8650%3,484
Noninterest income to average assets0.6572%2,894
Noninterest expense to average assets2.7604%4,648
Loan and lease loss provision to assets1.6006%722
Net operating income to assets-0.2049%6,548
Return on assets (ROA)0.1817%5,876
Pretax return on assets0.0464%6,264
Return on Equity (ROE)1.7445%5,868
Retained earnings to average equity (ytd only)0.7423%5,530
Net charge-offs to loans2.7614%579
Credit loss provision to net charge-offs106.7010%3,221
Earnings coverage of net charge-offs (x)0.8402%4,295
Efficiency ratio68.6538%4,589
Assets per employee ($millions)3.3928%5,309
Cash dividends to net income (ytd only)*57.4468%1,302
Condition Ratios (%)
Loss allowance to loans1.3992%4,424
Loan loss allowance to noncurrent loans81.9724%3,335
Noncurrent assets plus other real estate owned to assets1.6556%3,990
Noncurrent loans to loans1.7069%4,182
Net loans and leases to total assets55.3648%5,835
Net loans and leases to deposits65.0716%5,933
Net loans and leases to core deposits73.4052%5,560
Total domestic deposits to total assets85.0830%3,629
Equity capital to assets10.9309%2,826
Core capital (leverage) ratio10.4001%2,717
Tier 1 risk-based capital ratio17.8386%1,988
Total risk-based capital ratio19.0892%1,958
Memoranda:
Average total assets$103,463,0005,045
Average earning assets$90,038,5005,166
Average equity$10,777,0005,033
Average total loans$56,203,0005,413
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5871%566
Cost of funding earning assets2.6974%596
Net interest margin3.8896%3,311
Noninterest income to average assets0.2998%5,952
Noninterest expense to average assets2.9495%4,343
Loan and lease loss provision to assets0.7258%2,938
Net operating income to assets0.1698%4,997
Return on assets (ROA)0.1680%5,071
Pretax return on assets0.1290%5,161
Return on Equity (ROE)1.7858%4,985
Retained earnings to average equity (ytd only)0.1480%4,819
Net charge-offs to loans1.3374%1,867
Credit loss provision to net charge-offs95.7160%5,789
Earnings coverage of net charge-offs (x)1.1297%4,987
Efficiency ratio77.4933%3,268
Assets per employee ($millions)3.6178%4,741
Cash dividends to net income (ytd only)*91.7127%811
Condition Ratios (%)
Loss allowance to loans1.3069%4,712
Loan loss allowance to noncurrent loans75.8376%3,615
Noncurrent assets plus other real estate owned to assets1.5654%4,032
Noncurrent loans to loans1.7233%4,050
Net loans and leases to total assets51.9759%6,423
Net loans and leases to deposits62.5272%6,408
Net loans and leases to core deposits92.9143%4,791
Total domestic deposits to total assets83.1253%4,470
Equity capital to assets9.9498%3,834
Core capital (leverage) ratio10.0483%3,038
Tier 1 risk-based capital ratio16.6882%2,241
Total risk-based capital ratio17.9178%2,209
Memoranda:
Average total assets$107,747,2004,887
Average earning assets$97,129,8004,918
Average equity$10,135,6005,259
Average total loans$61,090,6005,204
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6522%555
Cost of funding earning assets2.7819%625
Net interest margin3.8702%3,343
Noninterest income to average assets0.1785%6,943
Noninterest expense to average assets2.8798%4,538
Loan and lease loss provision to assets0.7835%2,415
Net operating income to assets0.1512%5,318
Return on assets (ROA)0.1339%5,433
Pretax return on assets0.0335%5,644
Return on Equity (ROE)1.4444%5,355
Retained earnings to average equity (ytd only)-0.6286%5,386
Net charge-offs to loans1.1126%1,798
Credit loss provision to net charge-offs122.0077%4,157
Earnings coverage of net charge-offs (x)1.2992%4,805
Efficiency ratio77.5367%3,231
Assets per employee ($millions)3.5539%4,798
Cash dividends to net income (ytd only)*143.5139%297
Condition Ratios (%)
Loss allowance to loans1.5214%3,317
Loan loss allowance to noncurrent loans70.0234%3,817
Noncurrent assets plus other real estate owned to assets1.8731%3,551
Noncurrent loans to loans2.1728%3,415
Net loans and leases to total assets54.4571%6,328
Net loans and leases to deposits65.9106%6,317
Net loans and leases to core deposits102.0028%4,153
Total domestic deposits to total assets82.6227%4,391
Equity capital to assets10.2986%3,738
Core capital (leverage) ratio10.0100%3,268
Tier 1 risk-based capital ratio15.9709%2,637
Total risk-based capital ratio17.2236%2,570
Memoranda:
Average total assets$107,550,2504,922
Average earning assets$98,251,5004,915
Average equity$9,969,7505,345
Average total loans$62,073,5005,210
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7247%518
Cost of funding earning assets2.8520%689
Net interest margin3.8726%3,237
Noninterest income to average assets-0.0037%7,974
Noninterest expense to average assets2.8092%4,924
Loan and lease loss provision to assets1.1125%1,541
Net operating income to assets-0.2838%6,311
Return on assets (ROA)-0.3041%6,343
Pretax return on assets-0.3912%6,314
Return on Equity (ROE)-3.4050%6,409
Retained earnings to average equity (ytd only)-5.6265%6,398
Net charge-offs to loans1.4894%1,272
Credit loss provision to net charge-offs127.6596%3,645
Earnings coverage of net charge-offs (x)0.8574%4,898
Efficiency ratio78.9885%3,196
Assets per employee ($millions)3.6709%4,398
Cash dividends to net income (ytd only)*-65.2439%8,035
Condition Ratios (%)
Loss allowance to loans1.4843%3,283
Loan loss allowance to noncurrent loans79.9123%3,517
Noncurrent assets plus other real estate owned to assets1.5903%3,829
Noncurrent loans to loans1.8574%3,723
Net loans and leases to total assets56.7996%6,112
Net loans and leases to deposits67.5651%6,243
Net loans and leases to core deposits109.7048%3,406
Total domestic deposits to total assets84.0665%3,727
Equity capital to assets8.8141%5,577
Core capital (leverage) ratio9.0657%4,526
Tier 1 risk-based capital ratio14.2553%3,377
Total risk-based capital ratio15.5068%3,310
Memoranda:
Average total assets$107,861,6704,944
Average earning assets$99,157,3304,917
Average equity$9,633,0005,480
Average total loans$63,112,3305,204
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6070%700
Cost of funding earning assets2.8998%769
Net interest margin3.7073%3,862
Noninterest income to average assets0.6337%3,321
Noninterest expense to average assets2.6528%5,210
Loan and lease loss provision to assets0.9764%1,330
Net operating income to assets0.2284%5,568
Return on assets (ROA)0.2284%5,729
Pretax return on assets0.4384%5,278
Return on Equity (ROE)2.5415%5,556
Retained earnings to average equity (ytd only)-1.8446%6,070
Net charge-offs to loans0.4689%2,272
Credit loss provision to net charge-offs353.3333%1,429
Earnings coverage of net charge-offs (x)5.1200%2,741
Efficiency ratio65.2174%5,468
Assets per employee ($millions)3.7848%4,129
Cash dividends to net income (ytd only)*172.5806%373
Condition Ratios (%)
Loss allowance to loans1.5201%2,865
Loan loss allowance to noncurrent loans65.0602%4,309
Noncurrent assets plus other real estate owned to assets2.1128%2,733
Noncurrent loans to loans2.3365%2,817
Net loans and leases to total assets59.4212%5,753
Net loans and leases to deposits70.8830%5,884
Net loans and leases to core deposits116.4448%2,752
Total domestic deposits to total assets83.8300%3,783
Equity capital to assets9.0749%5,259
Core capital (leverage) ratio9.2271%4,368
Tier 1 risk-based capital ratio14.2468%3,455
Total risk-based capital ratio15.4996%3,386
Memoranda:
Average total assets$108,565,0004,938
Average earning assets$100,559,5004,898
Average equity$9,758,0005,461
Average total loans$63,980,0005,208
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3670%525
Cost of funding earning assets3.4955%526
Net interest margin3.8715%3,701
Noninterest income to average assets1.0130%1,537
Noninterest expense to average assets2.9133%4,403
Loan and lease loss provision to assets0.4950%2,838
Net operating income to assets0.8224%3,343
Return on assets (ROA)0.8269%3,164
Pretax return on assets1.1881%2,686
Return on Equity (ROE)9.4752%2,447
Retained earnings to average equity (ytd only)8.2251%774
Net charge-offs to loans0.6256%1,965
Credit loss provision to net charge-offs132.0293%4,034
Earnings coverage of net charge-offs (x)4.4719%3,969
Efficiency ratio63.4711%5,674
Assets per employee ($millions)3.7052%4,166
Cash dividends to net income (ytd only)*13.1929%4,614
Condition Ratios (%)
Loss allowance to loans1.2216%4,369
Loan loss allowance to noncurrent loans100.1280%3,452
Noncurrent assets plus other real estate owned to assets1.3405%3,537
Noncurrent loans to loans1.2200%4,074
Net loans and leases to total assets56.8885%6,343
Net loans and leases to deposits67.5436%6,501
Net loans and leases to core deposits113.1378%3,430
Total domestic deposits to total assets84.2249%3,211
Equity capital to assets8.9055%5,492
Core capital (leverage) ratio9.0912%4,604
Tier 1 risk-based capital ratio14.2204%3,438
Total risk-based capital ratio15.3280%3,430
Memoranda:
Average total assets$109,084,4004,808
Average earning assets$100,787,6004,784
Average equity$9,519,6005,565
Average total loans$65,372,4005,044