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The First National Bank of McConnelsville, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5688%3,801
Cost of funding earning assets0.9419%4,045
Net interest margin3.6269%2,021
Noninterest income to average assets0.5000%1,747
Noninterest expense to average assets2.7649%1,589
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets0.8670%2,672
Return on assets (ROA)0.8670%2,676
Pretax return on assets1.0699%2,576
Return on Equity (ROE)8.7100%2,678
Retained earnings to average equity (ytd only)8.7055%1,505
Net charge-offs to loans0.0037%2,146
Credit loss provision to net charge-offs-300.0000%4,408
Earnings coverage of net charge-offs (x)522.0000%183
Efficiency ratio72.0470%1,617
Assets per employee ($millions)3.7924%4,155
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.0755%2,838
Loan loss allowance to noncurrent loans309.7035%1,618
Noncurrent assets plus other real estate owned to assets0.1881%2,569
Noncurrent loans to loans0.3473%2,264
Net loans and leases to total assets53.5900%3,375
Net loans and leases to deposits59.9784%3,484
Net loans and leases to core deposits61.2361%3,646
Total domestic deposits to total assets89.3500%1,040
Equity capital to assets10.0839%2,170
Core capital (leverage) ratio7.9845%4,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5521%705
Memoranda:
Average total assets$195,161,0003,041
Average earning assets$179,215,5003,050
Average equity$19,436,0003,044
Average total loans$108,443,5003,134
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6386%3,683
Cost of funding earning assets0.9817%4,043
Net interest margin3.6569%1,773
Noninterest income to average assets0.5500%1,704
Noninterest expense to average assets2.7613%1,604
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets0.9014%2,374
Return on assets (ROA)0.9014%2,378
Pretax return on assets1.1134%2,196
Return on Equity (ROE)9.4700%2,306
Retained earnings to average equity (ytd only)6.3504%1,689
Net charge-offs to loans-0.0163%4,127
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio71.1759%1,859
Assets per employee ($millions)3.7866%4,145
Cash dividends to net income (ytd only)*32.9268%2,460
Condition Ratios (%)
Loss allowance to loans1.0468%2,967
Loan loss allowance to noncurrent loans246.1538%1,934
Noncurrent assets plus other real estate owned to assets0.2423%2,297
Noncurrent loans to loans0.4252%2,002
Net loans and leases to total assets56.3900%3,236
Net loans and leases to deposits62.8882%3,394
Net loans and leases to core deposits64.7142%3,584
Total domestic deposits to total assets89.6700%923
Equity capital to assets9.8313%2,232
Core capital (leverage) ratio7.8907%4,325
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4321%831
Memoranda:
Average total assets$191,036,6003,053
Average earning assets$173,890,4003,062
Average equity$18,187,8003,090
Average total loans$110,407,6003,098
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5968%3,703
Cost of funding earning assets0.9771%4,069
Net interest margin3.6198%1,795
Noninterest income to average assets0.5500%1,685
Noninterest expense to average assets2.7566%1,550
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.8818%2,440
Return on assets (ROA)0.8818%2,450
Pretax return on assets1.0875%2,283
Return on Equity (ROE)9.3400%2,376
Retained earnings to average equity (ytd only)7.3083%1,633
Net charge-offs to loans-0.0229%4,187
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio71.6079%1,833
Assets per employee ($millions)3.8558%4,158
Cash dividends to net income (ytd only)*21.7460%2,478
Condition Ratios (%)
Loss allowance to loans1.0839%2,840
Loan loss allowance to noncurrent loans255.4604%1,925
Noncurrent assets plus other real estate owned to assets0.2472%2,261
Noncurrent loans to loans0.4243%2,016
Net loans and leases to total assets57.6200%3,132
Net loans and leases to deposits64.6424%3,322
Net loans and leases to core deposits66.5550%3,547
Total domestic deposits to total assets89.1400%853
Equity capital to assets10.2304%2,144
Core capital (leverage) ratio7.9162%4,343
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3651%878
Memoranda:
Average total assets$190,516,5003,052
Average earning assets$173,303,5003,077
Average equity$17,988,2503,102
Average total loans$110,496,2503,099
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5344%3,729
Cost of funding earning assets0.9631%4,060
Net interest margin3.5713%1,834
Noninterest income to average assets0.5400%1,684
Noninterest expense to average assets2.7093%1,661
Loan and lease loss provision to assets0.0100%2,670
Net operating income to assets0.8689%2,391
Return on assets (ROA)0.8689%2,408
Pretax return on assets1.0710%2,285
Return on Equity (ROE)9.4600%2,320
Retained earnings to average equity (ytd only)6.3393%1,886
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio71.5431%1,913
Assets per employee ($millions)3.7253%4,217
Cash dividends to net income (ytd only)*33.0120%2,091
Condition Ratios (%)
Loss allowance to loans1.0527%3,009
Loan loss allowance to noncurrent loans171.1370%2,493
Noncurrent assets plus other real estate owned to assets0.3541%1,750
Noncurrent loans to loans0.6151%1,492
Net loans and leases to total assets56.9600%3,189
Net loans and leases to deposits63.0707%3,414
Net loans and leases to core deposits64.8514%3,587
Total domestic deposits to total assets90.3200%622
Equity capital to assets9.2518%2,573
Core capital (leverage) ratio7.5789%4,424
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3975%1,020
Memoranda:
Average total assets$191,043,3333,051
Average earning assets$173,604,6673,076
Average equity$17,541,3333,113
Average total loans$110,639,3333,099
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4280%3,790
Cost of funding earning assets0.9520%4,034
Net interest margin3.4760%1,943
Noninterest income to average assets0.5300%1,631
Noninterest expense to average assets2.7263%1,621
Loan and lease loss provision to assets0.0100%2,366
Net operating income to assets0.7717%2,625
Return on assets (ROA)0.7717%2,638
Pretax return on assets0.9488%2,528
Return on Equity (ROE)8.4400%2,569
Retained earnings to average equity (ytd only)8.4376%1,443
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio73.9130%1,756
Assets per employee ($millions)3.8445%4,199
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.0637%2,985
Loan loss allowance to noncurrent loans232.4752%2,242
Noncurrent assets plus other real estate owned to assets0.2627%2,054
Noncurrent loans to loans0.4575%1,785
Net loans and leases to total assets56.8100%3,135
Net loans and leases to deposits62.8026%3,355
Net loans and leases to core deposits64.5706%3,570
Total domestic deposits to total assets90.4500%654
Equity capital to assets9.0992%2,614
Core capital (leverage) ratio7.6009%4,436
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5401%996
Memoranda:
Average total assets$189,708,5003,070
Average earning assets$172,267,5003,097
Average equity$17,351,0003,143
Average total loans$110,200,0003,108
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1768%3,669
Cost of funding earning assets0.6666%3,974
Net interest margin3.5102%2,159
Noninterest income to average assets0.5800%1,611
Noninterest expense to average assets2.6885%1,766
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets0.8310%2,776
Return on assets (ROA)0.8310%2,751
Pretax return on assets1.0271%2,596
Return on Equity (ROE)9.6000%2,609
Retained earnings to average equity (ytd only)6.5629%2,036
Net charge-offs to loans0.0307%1,685
Credit loss provision to net charge-offs181.8182%1,300
Earnings coverage of net charge-offs (x)60.0606%1,188
Efficiency ratio71.6812%1,691
Assets per employee ($millions)3.6704%4,247
Cash dividends to net income (ytd only)*31.6399%2,485
Condition Ratios (%)
Loss allowance to loans1.0625%3,011
Loan loss allowance to noncurrent loans182.3713%2,633
Noncurrent assets plus other real estate owned to assets0.3424%1,593
Noncurrent loans to loans0.5826%1,346
Net loans and leases to total assets58.1500%3,025
Net loans and leases to deposits64.3333%3,275
Net loans and leases to core deposits66.1817%3,487
Total domestic deposits to total assets90.3900%654
Equity capital to assets9.1944%2,550
Core capital (leverage) ratio7.5589%4,456
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9640%1,081
Memoranda:
Average total assets$187,133,8003,073
Average earning assets$168,764,4003,107
Average equity$16,197,2003,164
Average total loans$107,568,2003,095
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0727%3,702
Cost of funding earning assets0.6261%3,930
Net interest margin3.4466%2,347
Noninterest income to average assets0.5900%1,557
Noninterest expense to average assets2.6891%1,696
Loan and lease loss provision to assets0.0300%2,354
Net operating income to assets0.7895%3,053
Return on assets (ROA)0.7895%3,053
Pretax return on assets0.9748%2,921
Return on Equity (ROE)9.2700%2,857
Retained earnings to average equity (ytd only)7.3339%2,188
Net charge-offs to loans0.0411%1,298
Credit loss provision to net charge-offs136.3636%1,377
Earnings coverage of net charge-offs (x)42.8182%1,408
Efficiency ratio72.7010%1,486
Assets per employee ($millions)3.7958%4,234
Cash dividends to net income (ytd only)*20.8484%2,432
Condition Ratios (%)
Loss allowance to loans1.0635%3,051
Loan loss allowance to noncurrent loans130.1015%2,966
Noncurrent assets plus other real estate owned to assets0.4769%1,213
Noncurrent loans to loans0.8175%1,012
Net loans and leases to total assets57.7200%3,051
Net loans and leases to deposits63.4648%3,295
Net loans and leases to core deposits64.5649%3,503
Total domestic deposits to total assets90.9400%686
Equity capital to assets8.7067%2,597
Core capital (leverage) ratio7.4802%4,501
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9518%1,112
Memoranda:
Average total assets$187,119,5003,081
Average earning assets$168,665,2503,115
Average equity$15,943,7503,176
Average total loans$106,953,2503,105
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0030%3,684
Cost of funding earning assets0.5713%3,831
Net interest margin3.4316%2,441
Noninterest income to average assets0.5700%1,585
Noninterest expense to average assets2.6625%1,743
Loan and lease loss provision to assets0.0300%2,254
Net operating income to assets0.7830%3,134
Return on assets (ROA)0.7830%3,148
Pretax return on assets0.9686%2,998
Return on Equity (ROE)9.2600%2,904
Retained earnings to average equity (ytd only)6.3429%2,498
Net charge-offs to loans0.0432%1,073
Credit loss provision to net charge-offs130.4348%1,287
Earnings coverage of net charge-offs (x)40.7826%1,388
Efficiency ratio72.6267%1,495
Assets per employee ($millions)3.6708%4,298
Cash dividends to net income (ytd only)*31.4714%2,036
Condition Ratios (%)
Loss allowance to loans1.0695%3,091
Loan loss allowance to noncurrent loans176.2270%2,749
Noncurrent assets plus other real estate owned to assets0.3483%1,520
Noncurrent loans to loans0.6069%1,230
Net loans and leases to total assets56.7700%3,063
Net loans and leases to deposits62.2986%3,287
Net loans and leases to core deposits63.3630%3,484
Total domestic deposits to total assets91.1300%613
Equity capital to assets8.5544%2,818
Core capital (leverage) ratio7.2610%4,547
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5459%1,205
Memoranda:
Average total assets$187,494,3333,084
Average earning assets$168,725,3333,119
Average equity$15,860,3333,200
Average total loans$106,435,6673,104
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9010%3,669
Cost of funding earning assets0.5001%3,686
Net interest margin3.4009%2,634
Noninterest income to average assets0.5600%1,579
Noninterest expense to average assets2.6413%1,836
Loan and lease loss provision to assets0.0300%2,084
Net operating income to assets0.7589%3,324
Return on assets (ROA)0.7589%3,273
Pretax return on assets0.9423%3,145
Return on Equity (ROE)9.0200%3,045
Retained earnings to average equity (ytd only)9.0224%1,945
Net charge-offs to loans0.0604%772
Credit loss provision to net charge-offs93.7500%1,162
Earnings coverage of net charge-offs (x)28.5625%1,327
Efficiency ratio72.9953%1,435
Assets per employee ($millions)3.7294%4,357
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0804%3,149
Loan loss allowance to noncurrent loans443.9689%1,763
Noncurrent assets plus other real estate owned to assets0.1491%2,471
Noncurrent loans to loans0.2434%2,281
Net loans and leases to total assets56.0200%3,040
Net loans and leases to deposits61.5580%3,256
Net loans and leases to core deposits62.1528%3,440
Total domestic deposits to total assets91.0100%800
Equity capital to assets8.6513%2,782
Core capital (leverage) ratio7.1935%4,611
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5851%1,242
Memoranda:
Average total assets$187,635,0003,121
Average earning assets$168,777,0003,161
Average equity$15,783,0003,232
Average total loans$105,938,0003,136
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4411%3,233
Cost of funding earning assets0.3441%2,527
Net interest margin3.0970%3,178
Noninterest income to average assets0.5600%1,824
Noninterest expense to average assets2.5662%1,920
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets0.6293%3,806
Return on assets (ROA)0.6293%3,759
Pretax return on assets0.7752%3,683
Return on Equity (ROE)7.5700%3,496
Retained earnings to average equity (ytd only)5.6427%2,770
Net charge-offs to loans0.0228%1,607
Credit loss provision to net charge-offs250.0000%996
Earnings coverage of net charge-offs (x)64.5000%1,204
Efficiency ratio76.0117%1,007
Assets per employee ($millions)3.7760%4,356
Cash dividends to net income (ytd only)*25.4967%2,642
Condition Ratios (%)
Loss allowance to loans1.0746%3,010
Loan loss allowance to noncurrent loans127.0300%3,138
Noncurrent assets plus other real estate owned to assets0.4873%1,045
Noncurrent loans to loans0.8460%886
Net loans and leases to total assets55.6800%3,065
Net loans and leases to deposits60.8041%3,285
Net loans and leases to core deposits61.2868%3,433
Total domestic deposits to total assets91.5800%758
Equity capital to assets8.1747%2,950
Core capital (leverage) ratio6.8417%4,672
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1166%1,343
Memoranda:
Average total assets$191,958,2003,088
Average earning assets$174,392,6003,109
Average equity$15,949,8003,280
Average total loans$105,423,0003,078
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3052%3,163
Cost of funding earning assets0.3247%1,918
Net interest margin2.9805%3,270
Noninterest income to average assets0.5600%1,859
Noninterest expense to average assets2.5490%1,867
Loan and lease loss provision to assets0.0300%2,122
Net operating income to assets0.5624%3,932
Return on assets (ROA)0.5624%3,885
Pretax return on assets0.6917%3,815
Return on Equity (ROE)6.7400%3,643
Retained earnings to average equity (ytd only)5.4646%2,933
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio77.8224%926
Assets per employee ($millions)3.7541%4,411
Cash dividends to net income (ytd only)*18.9422%2,509
Condition Ratios (%)
Loss allowance to loans1.0792%3,106
Loan loss allowance to noncurrent loans295.8869%2,197
Noncurrent assets plus other real estate owned to assets0.2032%2,249
Noncurrent loans to loans0.3647%1,931
Net loans and leases to total assets55.1000%2,994
Net loans and leases to deposits59.9498%3,203
Net loans and leases to core deposits60.8151%3,322
Total domestic deposits to total assets91.9200%906
Equity capital to assets7.8252%3,006
Core capital (leverage) ratio6.6106%4,719
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6492%1,518
Memoranda:
Average total assets$192,747,5003,107
Average earning assets$175,312,7503,127
Average equity$16,078,7503,309
Average total loans$105,211,0003,093
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1765%3,122
Cost of funding earning assets0.3082%1,649
Net interest margin2.8682%3,247
Noninterest income to average assets0.5415%1,988
Noninterest expense to average assets2.5334%1,826
Loan and lease loss provision to assets0.0311%2,031
Net operating income to assets0.4866%3,930
Return on assets (ROA)0.4866%3,878
Pretax return on assets0.5974%3,822
Return on Equity (ROE)5.7163%3,650
Retained earnings to average equity (ytd only)3.8433%3,146
Net charge-offs to loans-0.0057%3,388
Credit loss provision to net charge-offs-1,000.0000%3,534
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.0589%943
Assets per employee ($millions)3.7885%4,456
Cash dividends to net income (ytd only)*32.7660%2,000
Condition Ratios (%)
Loss allowance to loans1.0787%3,244
Loan loss allowance to noncurrent loans274.4578%2,269
Noncurrent assets plus other real estate owned to assets0.2148%2,243
Noncurrent loans to loans0.3930%1,953
Net loans and leases to total assets54.0579%2,960
Net loans and leases to deposits58.8204%3,147
Net loans and leases to core deposits59.7474%3,289
Total domestic deposits to total assets91.9033%879
Equity capital to assets7.8281%3,246
Core capital (leverage) ratio6.3304%4,740
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8309%1,474
Memoranda:
Average total assets$193,177,0003,136
Average earning assets$176,485,6673,159
Average equity$16,444,3333,363
Average total loans$104,730,3333,125
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0675%3,060
Cost of funding earning assets0.3040%1,621
Net interest margin2.7635%3,243
Noninterest income to average assets0.5219%2,033
Noninterest expense to average assets2.4974%1,887
Loan and lease loss provision to assets0.0311%1,806
Net operating income to assets0.4204%3,911
Return on assets (ROA)0.4204%3,874
Pretax return on assets0.5156%3,844
Return on Equity (ROE)4.7474%3,686
Retained earnings to average equity (ytd only)4.7474%2,683
Net charge-offs to loans0.0153%1,234
Credit loss provision to net charge-offs375.0000%596
Earnings coverage of net charge-offs (x)66.0000%817
Efficiency ratio81.9728%982
Assets per employee ($millions)3.8610%4,452
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.0722%3,449
Loan loss allowance to noncurrent loans390.5594%1,770
Noncurrent assets plus other real estate owned to assets0.1512%2,739
Noncurrent loans to loans0.2745%2,490
Net loans and leases to total assets54.4767%2,700
Net loans and leases to deposits59.9227%2,912
Net loans and leases to core deposits60.8953%3,073
Total domestic deposits to total assets90.9117%1,080
Equity capital to assets8.6501%3,023
Core capital (leverage) ratio6.3626%4,760
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5575%1,629
Memoranda:
Average total assets$193,158,0003,146
Average earning assets$176,299,5003,170
Average equity$17,104,0003,388
Average total loans$104,302,0003,135
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2504%3,342
Cost of funding earning assets0.4715%1,053
Net interest margin2.7789%3,716
Noninterest income to average assets0.5093%2,518
Noninterest expense to average assets2.3879%2,525
Loan and lease loss provision to assets0.0410%2,227
Net operating income to assets0.4965%4,094
Return on assets (ROA)0.4965%4,137
Pretax return on assets0.6072%4,095
Return on Equity (ROE)5.4060%3,906
Retained earnings to average equity (ytd only)3.6859%3,349
Net charge-offs to loans0.0050%2,417
Credit loss provision to net charge-offs1,600.0000%365
Earnings coverage of net charge-offs (x)252.8000%460
Efficiency ratio78.5473%901
Assets per employee ($millions)3.8652%4,463
Cash dividends to net income (ytd only)*31.8182%2,449
Condition Ratios (%)
Loss allowance to loans1.0592%3,529
Loan loss allowance to noncurrent loans351.1111%1,852
Noncurrent assets plus other real estate owned to assets0.1598%2,824
Noncurrent loans to loans0.3017%2,514
Net loans and leases to total assets52.4114%3,010
Net loans and leases to deposits58.0341%3,255
Net loans and leases to core deposits58.9406%3,395
Total domestic deposits to total assets90.3113%802
Equity capital to assets9.0515%3,567
Core capital (leverage) ratio5.9687%4,824
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2414%1,757
Memoranda:
Average total assets$194,979,2003,097
Average earning assets$177,299,0003,113
Average equity$17,906,0003,394
Average total loans$100,765,8003,186
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2880%3,419
Cost of funding earning assets0.4829%1,149
Net interest margin2.8051%3,768
Noninterest income to average assets0.5122%2,572
Noninterest expense to average assets2.4123%2,403
Loan and lease loss provision to assets0.0411%2,173
Net operating income to assets0.4944%4,219
Return on assets (ROA)0.4944%4,263
Pretax return on assets0.6041%4,228
Return on Equity (ROE)5.3639%4,049
Retained earnings to average equity (ytd only)4.2182%3,503
Net charge-offs to loans0.0093%1,970
Credit loss provision to net charge-offs857.1429%560
Earnings coverage of net charge-offs (x)134.4286%724
Efficiency ratio78.7845%820
Assets per employee ($millions)3.8342%4,530
Cash dividends to net income (ytd only)*21.3592%2,485
Condition Ratios (%)
Loss allowance to loans1.0407%3,707
Loan loss allowance to noncurrent loans618.8571%1,153
Noncurrent assets plus other real estate owned to assets0.0878%3,513
Noncurrent loans to loans0.1682%3,277
Net loans and leases to total assets51.6506%3,231
Net loans and leases to deposits57.2740%3,464
Net loans and leases to core deposits58.0754%3,626
Total domestic deposits to total assets90.1816%692
Equity capital to assets9.0902%3,752
Core capital (leverage) ratio6.0728%4,894
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4730%1,805
Memoranda:
Average total assets$194,442,2503,142
Average earning assets$176,436,2503,157
Average equity$17,921,7503,432
Average total loans$99,851,5003,241
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4326%3,073
Cost of funding earning assets0.4936%1,239
Net interest margin2.9390%3,478
Noninterest income to average assets0.5114%2,577
Noninterest expense to average assets2.4492%2,311
Loan and lease loss provision to assets0.0622%1,799
Net operating income to assets0.5405%4,133
Return on assets (ROA)0.5405%4,179
Pretax return on assets0.6618%4,142
Return on Equity (ROE)5.8361%3,949
Retained earnings to average equity (ytd only)4.1110%3,486
Net charge-offs to loans0.0081%1,835
Credit loss provision to net charge-offs1,500.0000%353
Earnings coverage of net charge-offs (x)174.5000%538
Efficiency ratio77.0840%984
Assets per employee ($millions)3.7884%4,557
Cash dividends to net income (ytd only)*29.5585%2,080
Condition Ratios (%)
Loss allowance to loans1.0319%3,710
Loan loss allowance to noncurrent loans524.6377%1,233
Noncurrent assets plus other real estate owned to assets0.1071%3,508
Noncurrent loans to loans0.1967%3,245
Net loans and leases to total assets53.9113%3,138
Net loans and leases to deposits59.9074%3,395
Net loans and leases to core deposits60.7732%3,563
Total domestic deposits to total assets89.9911%783
Equity capital to assets9.2408%3,570
Core capital (leverage) ratio6.0395%4,930
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2383%1,893
Memoranda:
Average total assets$192,796,3333,153
Average earning assets$174,618,0003,179
Average equity$17,854,3333,442
Average total loans$98,447,3333,276
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3607%3,306
Cost of funding earning assets0.5048%1,362
Net interest margin2.8559%3,624
Noninterest income to average assets0.4943%2,638
Noninterest expense to average assets2.4009%2,486
Loan and lease loss provision to assets0.0312%2,368
Net operating income to assets0.5172%4,142
Return on assets (ROA)0.5172%4,178
Pretax return on assets0.6355%4,133
Return on Equity (ROE)5.5784%3,975
Retained earnings to average equity (ytd only)5.5784%3,037
Net charge-offs to loans-0.0042%3,327
Credit loss provision to net charge-offs-1,500.0000%3,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.1313%944
Assets per employee ($millions)3.7524%4,604
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0590%3,618
Loan loss allowance to noncurrent loans1,035.6436%652
Noncurrent assets plus other real estate owned to assets0.0528%3,999
Noncurrent loans to loans0.1023%3,796
Net loans and leases to total assets51.0647%3,533
Net loans and leases to deposits56.7062%3,737
Net loans and leases to core deposits57.5314%3,870
Total domestic deposits to total assets90.0514%797
Equity capital to assets9.2678%3,428
Core capital (leverage) ratio6.0137%4,960
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6517%1,689
Memoranda:
Average total assets$192,590,5003,144
Average earning assets$173,536,0003,181
Average equity$17,854,5003,437
Average total loans$95,047,5003,337
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4875%4,050
Cost of funding earning assets0.6604%1,932
Net interest margin2.8272%4,220
Noninterest income to average assets0.5267%2,520
Noninterest expense to average assets2.6040%2,535
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.3818%4,282
Return on assets (ROA)0.4264%4,272
Pretax return on assets0.5084%4,257
Return on Equity (ROE)4.0848%4,142
Retained earnings to average equity (ytd only)1.9661%3,838
Net charge-offs to loans0.0047%3,190
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)193.0000%480
Efficiency ratio84.9624%570
Assets per employee ($millions)3.7271%4,551
Cash dividends to net income (ytd only)*51.8672%1,742
Condition Ratios (%)
Loss allowance to loans1.1278%3,317
Loan loss allowance to noncurrent loans559.7826%1,042
Noncurrent assets plus other real estate owned to assets0.0949%3,836
Noncurrent loans to loans0.2015%3,488
Net loans and leases to total assets46.5899%4,085
Net loans and leases to deposits51.7619%4,226
Net loans and leases to core deposits52.4255%4,320
Total domestic deposits to total assets90.0082%564
Equity capital to assets9.2736%3,819
Core capital (leverage) ratio6.2561%4,980
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9832%1,854
Memoranda:
Average total assets$169,547,2003,197
Average earning assets$151,884,4003,248
Average equity$17,699,6003,397
Average total loans$85,521,0003,475
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6229%3,969
Cost of funding earning assets0.6808%2,140
Net interest margin2.9421%4,102
Noninterest income to average assets0.5383%2,434
Noninterest expense to average assets2.6392%2,419
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.4510%4,164
Return on assets (ROA)0.4641%4,203
Pretax return on assets0.5546%4,189
Return on Equity (ROE)4.3029%4,096
Retained earnings to average equity (ytd only)2.6316%3,675
Net charge-offs to loans0.0063%2,904
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)165.2500%562
Efficiency ratio82.8843%682
Assets per employee ($millions)3.4212%4,696
Cash dividends to net income (ytd only)*38.8401%1,985
Condition Ratios (%)
Loss allowance to loans1.2006%2,657
Loan loss allowance to noncurrent loans353.9519%1,432
Noncurrent assets plus other real estate owned to assets0.1668%3,588
Noncurrent loans to loans0.3392%3,065
Net loans and leases to total assets48.5783%4,184
Net loans and leases to deposits54.7069%4,310
Net loans and leases to core deposits55.8625%4,386
Total domestic deposits to total assets88.7975%864
Equity capital to assets10.3898%2,881
Core capital (leverage) ratio6.5760%4,998
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6971%1,323
Memoranda:
Average total assets$163,482,0003,234
Average earning assets$146,694,7503,281
Average equity$17,631,2503,402
Average total loans$84,070,0003,518
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7559%3,974
Cost of funding earning assets0.6992%2,384
Net interest margin3.0567%3,996
Noninterest income to average assets0.5331%2,424
Noninterest expense to average assets2.6543%2,507
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.5096%3,993
Return on assets (ROA)0.5294%4,017
Pretax return on assets0.6382%3,990
Return on Equity (ROE)4.8438%3,872
Retained earnings to average equity (ytd only)2.3131%3,633
Net charge-offs to loans0.0096%2,604
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)122.7500%611
Efficiency ratio81.0490%816
Assets per employee ($millions)3.3530%4,727
Cash dividends to net income (ytd only)*52.2459%1,482
Condition Ratios (%)
Loss allowance to loans1.2370%2,321
Loan loss allowance to noncurrent loans227.3731%1,947
Noncurrent assets plus other real estate owned to assets0.2649%3,255
Noncurrent loans to loans0.5440%2,543
Net loans and leases to total assets48.0907%4,247
Net loans and leases to deposits54.2364%4,370
Net loans and leases to core deposits55.2104%4,458
Total domestic deposits to total assets88.6687%881
Equity capital to assets10.4998%2,743
Core capital (leverage) ratio6.7400%5,025
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6776%1,324
Memoranda:
Average total assets$159,816,3333,250
Average earning assets$143,028,6673,311
Average equity$17,465,6673,421
Average total loans$83,497,0003,526
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9895%3,815
Cost of funding earning assets0.7549%2,641
Net interest margin3.2346%3,771
Noninterest income to average assets0.5550%2,254
Noninterest expense to average assets2.8037%2,421
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.5276%3,820
Return on assets (ROA)0.5680%3,756
Pretax return on assets0.6899%3,713
Return on Equity (ROE)5.0868%3,596
Retained earnings to average equity (ytd only)5.0868%2,233
Net charge-offs to loans0.0239%1,887
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)49.4000%905
Efficiency ratio81.2500%1,022
Assets per employee ($millions)3.1541%4,721
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2314%2,506
Loan loss allowance to noncurrent loans219.1489%1,931
Noncurrent assets plus other real estate owned to assets0.2980%3,261
Noncurrent loans to loans0.5619%2,594
Net loans and leases to total assets52.3871%4,094
Net loans and leases to deposits59.4514%4,217
Net loans and leases to core deposits60.7779%4,324
Total domestic deposits to total assets88.1175%1,059
Equity capital to assets11.0550%2,814
Core capital (leverage) ratio7.3321%5,062
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9373%1,363
Memoranda:
Average total assets$154,222,5003,271
Average earning assets$137,761,0003,342
Average equity$17,221,0003,449
Average total loans$83,612,0003,526
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2404%3,706
Cost of funding earning assets0.8302%2,528
Net interest margin3.4102%3,718
Noninterest income to average assets0.6188%2,140
Noninterest expense to average assets2.8415%2,471
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.6650%3,972
Return on assets (ROA)0.6689%4,031
Pretax return on assets0.8000%3,971
Return on Equity (ROE)6.0386%3,905
Retained earnings to average equity (ytd only)0.3748%4,585
Net charge-offs to loans0.0338%2,708
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)43.1071%1,243
Efficiency ratio77.9489%1,158
Assets per employee ($millions)3.0764%4,782
Cash dividends to net income (ytd only)*93.7931%435
Condition Ratios (%)
Loss allowance to loans1.2372%2,244
Loan loss allowance to noncurrent loans126.0976%2,888
Noncurrent assets plus other real estate owned to assets0.5440%2,260
Noncurrent loans to loans0.9811%1,554
Net loans and leases to total assets54.7585%4,027
Net loans and leases to deposits62.2795%4,179
Net loans and leases to core deposits63.4925%4,302
Total domestic deposits to total assets87.9237%1,163
Equity capital to assets11.2829%2,728
Core capital (leverage) ratio7.2828%5,117
Tier 1 risk-based capital ratio15.0431%2,767
Total risk-based capital ratio16.2952%2,698
Memoranda:
Average total assets$151,750,2003,275
Average earning assets$134,304,0003,363
Average equity$16,808,4003,459
Average total loans$82,749,4003,546
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2451%3,820
Cost of funding earning assets0.8409%2,508
Net interest margin3.4042%3,860
Noninterest income to average assets0.6228%2,093
Noninterest expense to average assets2.8499%2,406
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.6580%4,139
Return on assets (ROA)0.6631%4,181
Pretax return on assets0.7903%4,139
Return on Equity (ROE)6.0147%4,043
Retained earnings to average equity (ytd only)3.3415%3,732
Net charge-offs to loans0.0436%2,224
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)33.1103%1,536
Efficiency ratio78.2283%1,078
Assets per employee ($millions)3.0592%4,858
Cash dividends to net income (ytd only)*44.4448%1,946
Condition Ratios (%)
Loss allowance to loans1.2510%2,230
Loan loss allowance to noncurrent loans243.8679%1,793
Noncurrent assets plus other real estate owned to assets0.2829%3,422
Noncurrent loans to loans0.5130%2,755
Net loans and leases to total assets54.4503%4,140
Net loans and leases to deposits62.1231%4,285
Net loans and leases to core deposits63.3399%4,411
Total domestic deposits to total assets87.6491%1,192
Equity capital to assets11.5677%2,615
Core capital (leverage) ratio7.5269%5,189
Tier 1 risk-based capital ratio15.8052%2,512
Total risk-based capital ratio17.0569%2,453
Memoranda:
Average total assets$152,002,2503,303
Average earning assets$134,456,5003,391
Average equity$16,758,5003,487
Average total loans$82,542,2503,587
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2397%3,821
Cost of funding earning assets0.8444%2,421
Net interest margin3.3953%3,908
Noninterest income to average assets0.6208%2,062
Noninterest expense to average assets2.8539%2,400
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6459%4,179
Return on assets (ROA)0.6536%4,203
Pretax return on assets0.7780%4,144
Return on Equity (ROE)6.0249%4,039
Retained earnings to average equity (ytd only)2.4269%3,972
Net charge-offs to loans0.0194%2,479
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)73.3750%864
Efficiency ratio78.5973%1,083
Assets per employee ($millions)3.0901%4,850
Cash dividends to net income (ytd only)*59.7194%1,420
Condition Ratios (%)
Loss allowance to loans1.2762%2,113
Loan loss allowance to noncurrent loans185.2373%2,265
Noncurrent assets plus other real estate owned to assets0.3683%3,043
Noncurrent loans to loans0.6889%2,246
Net loans and leases to total assets52.7730%4,306
Net loans and leases to deposits59.8479%4,437
Net loans and leases to core deposits60.9771%4,541
Total domestic deposits to total assets88.1785%1,018
Equity capital to assets11.0526%2,992
Core capital (leverage) ratio7.1707%5,258
Tier 1 risk-based capital ratio15.6703%2,557
Total risk-based capital ratio16.9237%2,489
Memoranda:
Average total assets$152,703,0003,320
Average earning assets$135,008,6703,411
Average equity$16,564,6703,510
Average total loans$82,504,6703,606
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2459%3,720
Cost of funding earning assets0.8336%2,356
Net interest margin3.4122%3,856
Noninterest income to average assets0.6192%1,956
Noninterest expense to average assets2.8801%2,329
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.6429%4,114
Return on assets (ROA)0.6429%4,150
Pretax return on assets0.7483%4,175
Return on Equity (ROE)5.9846%4,022
Retained earnings to average equity (ytd only)5.0526%2,885
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1576%1,141
Assets per employee ($millions)3.2328%4,803
Cash dividends to net income (ytd only)*15.5738%2,561
Condition Ratios (%)
Loss allowance to loans1.2816%2,175
Loan loss allowance to noncurrent loans171.1290%2,431
Noncurrent assets plus other real estate owned to assets0.3914%3,011
Noncurrent loans to loans0.7489%2,158
Net loans and leases to total assets51.5924%4,366
Net loans and leases to deposits58.0259%4,500
Net loans and leases to core deposits59.0826%4,607
Total domestic deposits to total assets88.9127%896
Equity capital to assets10.4629%3,376
Core capital (leverage) ratio7.2405%5,304
Tier 1 risk-based capital ratio15.0663%2,865
Total risk-based capital ratio16.3186%2,772
Memoranda:
Average total assets$151,801,0003,366
Average earning assets$133,871,0003,458
Average equity$16,308,5003,551
Average total loans$82,461,0003,643
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1373%3,629
Cost of funding earning assets0.6002%2,716
Net interest margin3.5371%3,583
Noninterest income to average assets0.6912%1,881
Noninterest expense to average assets2.9629%2,158
Loan and lease loss provision to assets0.0204%3,750
Net operating income to assets0.7171%4,091
Return on assets (ROA)0.7171%4,096
Pretax return on assets0.8138%4,131
Return on Equity (ROE)6.5886%3,972
Retained earnings to average equity (ytd only)1.2389%4,635
Net charge-offs to loans0.1015%1,743
Credit loss provision to net charge-offs35.7143%3,313
Earnings coverage of net charge-offs (x)14.5833%2,371
Efficiency ratio77.7977%1,146
Assets per employee ($millions)3.0249%4,980
Cash dividends to net income (ytd only)*81.1966%672
Condition Ratios (%)
Loss allowance to loans1.2930%2,078
Loan loss allowance to noncurrent loans154.5852%2,657
Noncurrent assets plus other real estate owned to assets0.4869%2,628
Noncurrent loans to loans0.8364%1,935
Net loans and leases to total assets55.8373%4,147
Net loans and leases to deposits63.2390%4,299
Net loans and leases to core deposits64.5054%4,433
Total domestic deposits to total assets88.2957%1,161
Equity capital to assets11.0493%2,638
Core capital (leverage) ratio7.5846%5,313
Tier 1 risk-based capital ratio15.0935%2,789
Total risk-based capital ratio16.3456%2,723
Memoranda:
Average total assets$146,848,8003,416
Average earning assets$128,948,4003,508
Average equity$15,982,2003,510
Average total loans$82,797,6003,612
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0909%3,669
Cost of funding earning assets0.5807%2,626
Net interest margin3.5102%3,660
Noninterest income to average assets0.7234%1,781
Noninterest expense to average assets2.9688%2,118
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.7533%4,066
Return on assets (ROA)0.7533%4,076
Pretax return on assets0.8302%4,222
Return on Equity (ROE)6.9475%3,951
Retained earnings to average equity (ytd only)4.1919%3,678
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9075%1,130
Assets per employee ($millions)2.9336%5,085
Cash dividends to net income (ytd only)*39.6634%2,070
Condition Ratios (%)
Loss allowance to loans1.3277%1,973
Loan loss allowance to noncurrent loans153.9310%2,698
Noncurrent assets plus other real estate owned to assets0.4943%2,720
Noncurrent loans to loans0.8625%1,979
Net loans and leases to total assets56.5445%4,168
Net loans and leases to deposits63.8840%4,334
Net loans and leases to core deposits65.3982%4,439
Total domestic deposits to total assets88.5111%1,042
Equity capital to assets10.9176%2,734
Core capital (leverage) ratio7.7836%5,359
Tier 1 risk-based capital ratio15.0683%2,849
Total risk-based capital ratio16.3212%2,775
Memoranda:
Average total assets$147,262,2503,454
Average earning assets$129,030,0003,545
Average equity$15,967,0003,545
Average total loans$82,963,2503,639
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0165%3,735
Cost of funding earning assets0.5539%2,580
Net interest margin3.4626%3,758
Noninterest income to average assets0.6198%2,226
Noninterest expense to average assets2.9419%2,221
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.6551%4,332
Return on assets (ROA)0.6551%4,341
Pretax return on assets0.7134%4,476
Return on Equity (ROE)6.0559%4,218
Retained earnings to average equity (ytd only)2.3948%4,315
Net charge-offs to loans0.0024%3,113
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)526.0000%171
Efficiency ratio80.2226%992
Assets per employee ($millions)2.8699%5,181
Cash dividends to net income (ytd only)*60.4555%1,297
Condition Ratios (%)
Loss allowance to loans1.3445%1,972
Loan loss allowance to noncurrent loans212.7863%2,161
Noncurrent assets plus other real estate owned to assets0.3511%3,343
Noncurrent loans to loans0.6319%2,530
Net loans and leases to total assets54.8220%4,263
Net loans and leases to deposits61.7373%4,434
Net loans and leases to core deposits63.0461%4,548
Total domestic deposits to total assets88.7988%1,015
Equity capital to assets10.6196%3,007
Core capital (leverage) ratio7.5455%5,435
Tier 1 risk-based capital ratio15.0858%2,833
Total risk-based capital ratio16.3403%2,753
Memoranda:
Average total assets$147,456,0003,471
Average earning assets$129,267,6703,561
Average equity$15,951,3303,570
Average total loans$82,599,0003,668
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9476%3,796
Cost of funding earning assets0.5276%2,563
Net interest margin3.4200%3,820
Noninterest income to average assets0.6004%2,252
Noninterest expense to average assets2.9420%2,218
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.5595%4,544
Return on assets (ROA)0.5595%4,546
Pretax return on assets0.6659%4,528
Return on Equity (ROE)5.1240%4,446
Retained earnings to average equity (ytd only)4.1742%3,521
Net charge-offs to loans-0.0146%4,405
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3162%1,020
Assets per employee ($millions)2.8818%5,233
Cash dividends to net income (ytd only)*18.5366%2,433
Condition Ratios (%)
Loss allowance to loans1.3575%1,993
Loan loss allowance to noncurrent loans199.4652%2,240
Noncurrent assets plus other real estate owned to assets0.3817%3,305
Noncurrent loans to loans0.6806%2,512
Net loans and leases to total assets55.3242%4,180
Net loans and leases to deposits62.4304%4,309
Net loans and leases to core deposits63.7756%4,439
Total domestic deposits to total assets88.6174%1,299
Equity capital to assets10.7913%2,775
Core capital (leverage) ratio7.6009%5,489
Tier 1 risk-based capital ratio15.1587%2,798
Total risk-based capital ratio16.4126%2,733
Memoranda:
Average total assets$146,567,0003,513
Average earning assets$128,889,0003,605
Average equity$16,003,0003,591
Average total loans$82,434,5003,700
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9565%3,545
Cost of funding earning assets0.4628%2,664
Net interest margin3.4937%3,552
Noninterest income to average assets0.6115%2,393
Noninterest expense to average assets2.9401%2,319
Loan and lease loss provision to assets0.0424%3,401
Net operating income to assets0.7845%3,230
Return on assets (ROA)0.8770%2,852
Pretax return on assets0.7915%4,267
Return on Equity (ROE)7.6997%2,951
Retained earnings to average equity (ytd only)1.2585%4,519
Net charge-offs to loans0.0187%3,478
Credit loss provision to net charge-offs400.0000%755
Earnings coverage of net charge-offs (x)70.0000%855
Efficiency ratio79.5167%1,158
Assets per employee ($millions)2.8660%5,284
Cash dividends to net income (ytd only)*83.6554%707
Condition Ratios (%)
Loss allowance to loans1.3537%1,955
Loan loss allowance to noncurrent loans156.0839%2,728
Noncurrent assets plus other real estate owned to assets0.4892%2,928
Noncurrent loans to loans0.8673%2,056
Net loans and leases to total assets55.6389%4,223
Net loans and leases to deposits63.3113%4,363
Net loans and leases to core deposits64.9610%4,476
Total domestic deposits to total assets87.8814%1,562
Equity capital to assets11.0465%2,585
Core capital (leverage) ratio7.5936%5,542
Tier 1 risk-based capital ratio14.9524%2,871
Total risk-based capital ratio16.2066%2,797
Memoranda:
Average total assets$141,626,6003,592
Average earning assets$124,452,8003,679
Average equity$16,130,6003,576
Average total loans$80,113,6003,745
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9772%3,435
Cost of funding earning assets0.4465%2,747
Net interest margin3.5307%3,386
Noninterest income to average assets0.6188%2,369
Noninterest expense to average assets2.9847%2,150
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5393%4,617
Return on assets (ROA)0.5428%4,637
Pretax return on assets0.7307%4,530
Return on Equity (ROE)4.7291%4,628
Retained earnings to average equity (ytd only)-1.9842%5,429
Net charge-offs to loans0.0184%3,123
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)69.5276%898
Efficiency ratio80.1023%1,088
Assets per employee ($millions)2.8348%5,372
Cash dividends to net income (ytd only)*141.9576%114
Condition Ratios (%)
Loss allowance to loans1.3045%2,337
Loan loss allowance to noncurrent loans148.4594%2,815
Noncurrent assets plus other real estate owned to assets0.5037%3,058
Noncurrent loans to loans0.8787%2,177
Net loans and leases to total assets56.5789%4,189
Net loans and leases to deposits64.6062%4,346
Net loans and leases to core deposits66.4846%4,453
Total domestic deposits to total assets87.5751%1,596
Equity capital to assets11.3659%2,497
Core capital (leverage) ratio7.2424%5,647
Tier 1 risk-based capital ratio14.4284%3,223
Total risk-based capital ratio15.6816%3,138
Memoranda:
Average total assets$140,492,2503,642
Average earning assets$123,032,5003,731
Average equity$16,126,7503,611
Average total loans$79,532,0003,786
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9449%3,389
Cost of funding earning assets0.4235%2,865
Net interest margin3.5214%3,320
Noninterest income to average assets0.6082%2,418
Noninterest expense to average assets2.9527%2,259
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.5511%4,516
Return on assets (ROA)0.5511%4,558
Pretax return on assets0.7425%4,446
Return on Equity (ROE)4.7854%4,574
Retained earnings to average equity (ytd only)1.1902%4,766
Net charge-offs to loans0.0279%2,653
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)47.2727%1,123
Efficiency ratio79.5595%1,265
Assets per employee ($millions)2.7874%5,430
Cash dividends to net income (ytd only)*75.1295%975
Condition Ratios (%)
Loss allowance to loans1.3197%2,314
Loan loss allowance to noncurrent loans196.2963%2,281
Noncurrent assets plus other real estate owned to assets0.4221%3,431
Noncurrent loans to loans0.6723%2,737
Net loans and leases to total assets55.7542%4,250
Net loans and leases to deposits63.8172%4,379
Net loans and leases to core deposits65.5347%4,501
Total domestic deposits to total assets87.3655%1,779
Equity capital to assets11.5906%2,238
Core capital (leverage) ratio7.5325%5,651
Tier 1 risk-based capital ratio14.9284%2,959
Total risk-based capital ratio16.1814%2,890
Memoranda:
Average total assets$140,076,3303,663
Average earning assets$122,792,0003,753
Average equity$16,132,3303,624
Average total loans$78,957,6703,816
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9189%3,327
Cost of funding earning assets0.4172%2,836
Net interest margin3.5018%3,269
Noninterest income to average assets0.6013%2,410
Noninterest expense to average assets2.9172%2,407
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5553%4,351
Return on assets (ROA)0.5553%4,398
Pretax return on assets0.7509%4,284
Return on Equity (ROE)4.8371%4,466
Retained earnings to average equity (ytd only)3.4085%3,736
Net charge-offs to loans0.0562%1,769
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)23.7273%1,383
Efficiency ratio79.2157%1,460
Assets per employee ($millions)2.8366%5,468
Cash dividends to net income (ytd only)*29.5337%2,327
Condition Ratios (%)
Loss allowance to loans1.3463%2,319
Loan loss allowance to noncurrent loans196.6605%2,292
Noncurrent assets plus other real estate owned to assets0.4223%3,493
Noncurrent loans to loans0.6846%2,795
Net loans and leases to total assets54.7681%4,274
Net loans and leases to deposits62.4047%4,409
Net loans and leases to core deposits63.8502%4,545
Total domestic deposits to total assets87.7627%1,854
Equity capital to assets11.3503%2,307
Core capital (leverage) ratio7.7971%5,633
Tier 1 risk-based capital ratio15.2030%2,871
Total risk-based capital ratio16.4572%2,805
Memoranda:
Average total assets$139,035,5003,711
Average earning assets$121,767,5003,816
Average equity$15,960,0003,669
Average total loans$78,277,0003,857
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8609%3,709
Cost of funding earning assets0.4170%2,838
Net interest margin3.4439%3,647
Noninterest income to average assets0.5992%2,668
Noninterest expense to average assets3.0591%2,146
Loan and lease loss provision to assets0.3377%523
Net operating income to assets0.1561%5,489
Return on assets (ROA)0.5403%4,570
Pretax return on assets0.7227%4,415
Return on Equity (ROE)4.5415%4,641
Retained earnings to average equity (ytd only)0.7791%5,009
Net charge-offs to loans0.2422%1,151
Credit loss provision to net charge-offs248.6772%1,168
Earnings coverage of net charge-offs (x)4.0370%3,569
Efficiency ratio84.3457%980
Assets per employee ($millions)2.7804%5,506
Cash dividends to net income (ytd only)*82.8457%804
Condition Ratios (%)
Loss allowance to loans1.3763%2,184
Loan loss allowance to noncurrent loans133.3748%3,047
Noncurrent assets plus other real estate owned to assets0.6334%2,819
Noncurrent loans to loans1.0319%2,017
Net loans and leases to total assets56.3306%4,236
Net loans and leases to deposits64.3632%4,377
Net loans and leases to core deposits65.9262%4,533
Total domestic deposits to total assets87.5200%1,864
Equity capital to assets11.6132%2,075
Core capital (leverage) ratio7.4778%5,755
Tier 1 risk-based capital ratio15.0940%2,929
Total risk-based capital ratio16.3484%2,856
Memoranda:
Average total assets$139,191,0003,686
Average earning assets$121,577,6003,799
Average equity$16,558,4003,618
Average total loans$78,047,6003,849
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8322%3,830
Cost of funding earning assets0.4146%2,889
Net interest margin3.4175%3,786
Noninterest income to average assets0.5927%2,699
Noninterest expense to average assets3.0491%2,170
Loan and lease loss provision to assets0.4478%299
Net operating income to assets0.0634%5,669
Return on assets (ROA)0.5850%4,467
Pretax return on assets0.7575%4,447
Return on Equity (ROE)4.8897%4,560
Retained earnings to average equity (ytd only)1.8635%4,749
Net charge-offs to loans0.2731%847
Credit loss provision to net charge-offs293.7500%1,055
Earnings coverage of net charge-offs (x)3.4625%3,412
Efficiency ratio84.7896%925
Assets per employee ($millions)2.8148%5,542
Cash dividends to net income (ytd only)*61.8885%1,356
Condition Ratios (%)
Loss allowance to loans1.4164%2,127
Loan loss allowance to noncurrent loans98.5676%3,647
Noncurrent assets plus other real estate owned to assets0.7937%2,559
Noncurrent loans to loans1.4370%1,509
Net loans and leases to total assets54.4476%4,455
Net loans and leases to deposits62.6807%4,584
Net loans and leases to core deposits64.4466%4,702
Total domestic deposits to total assets86.8650%1,957
Equity capital to assets11.9725%2,137
Core capital (leverage) ratio7.6209%5,806
Tier 1 risk-based capital ratio16.6184%2,374
Total risk-based capital ratio17.8743%2,316
Memoranda:
Average total assets$139,928,2503,695
Average earning assets$122,190,0003,813
Average equity$16,742,5003,616
Average total loans$78,105,2503,873
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8348%3,831
Cost of funding earning assets0.4075%2,960
Net interest margin3.4272%3,768
Noninterest income to average assets0.5786%2,735
Noninterest expense to average assets3.0474%2,215
Loan and lease loss provision to assets0.6731%164
Net operating income to assets-0.1106%5,817
Return on assets (ROA)0.6530%4,176
Pretax return on assets0.8750%4,043
Return on Equity (ROE)5.4589%4,307
Retained earnings to average equity (ytd only)1.5922%4,741
Net charge-offs to loans0.3170%746
Credit loss provision to net charge-offs379.0323%802
Earnings coverage of net charge-offs (x)2.9839%3,187
Efficiency ratio84.7078%991
Assets per employee ($millions)2.7422%5,652
Cash dividends to net income (ytd only)*70.8333%1,153
Condition Ratios (%)
Loss allowance to loans1.4573%2,042
Loan loss allowance to noncurrent loans103.2698%3,636
Noncurrent assets plus other real estate owned to assets0.7873%2,630
Noncurrent loans to loans1.4112%1,576
Net loans and leases to total assets54.9760%4,416
Net loans and leases to deposits63.3384%4,538
Net loans and leases to core deposits65.1465%4,672
Total domestic deposits to total assets86.7973%2,013
Equity capital to assets11.9964%2,120
Core capital (leverage) ratio7.5212%5,877
Tier 1 risk-based capital ratio16.8296%2,288
Total risk-based capital ratio18.0880%2,237
Memoranda:
Average total assets$139,658,0003,726
Average earning assets$122,198,0003,841
Average equity$16,706,6703,625
Average total loans$78,230,3303,894
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8035%3,928
Cost of funding earning assets0.4030%3,034
Net interest margin3.4005%3,864
Noninterest income to average assets0.5646%2,719
Noninterest expense to average assets3.1126%2,066
Loan and lease loss provision to assets1.3471%66
Net operating income to assets-0.6675%5,995
Return on assets (ROA)0.7824%3,443
Pretax return on assets1.0662%3,218
Return on Equity (ROE)6.5501%3,701
Retained earnings to average equity (ytd only)4.3907%3,285
Net charge-offs to loans0.6076%365
Credit loss provision to net charge-offs394.9580%716
Earnings coverage of net charge-offs (x)1.2521%2,843
Efficiency ratio87.4494%853
Assets per employee ($millions)2.9341%5,569
Cash dividends to net income (ytd only)*32.9670%2,297
Condition Ratios (%)
Loss allowance to loans1.4671%2,128
Loan loss allowance to noncurrent loans108.3491%3,463
Noncurrent assets plus other real estate owned to assets0.7484%2,836
Noncurrent loans to loans1.3540%1,761
Net loans and leases to total assets54.4593%4,403
Net loans and leases to deposits62.5683%4,538
Net loans and leases to core deposits64.3343%4,668
Total domestic deposits to total assets87.0398%2,195
Equity capital to assets11.8220%2,137
Core capital (leverage) ratio7.6164%5,899
Tier 1 risk-based capital ratio16.9000%2,322
Total risk-based capital ratio18.1579%2,268
Memoranda:
Average total assets$139,562,0003,751
Average earning assets$122,099,5003,868
Average equity$16,671,5003,634
Average total loans$78,335,0003,904
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9494%3,531
Cost of funding earning assets0.4120%3,035
Net interest margin3.5374%3,389
Noninterest income to average assets0.5633%2,944
Noninterest expense to average assets2.9932%2,571
Loan and lease loss provision to assets0.0395%3,547
Net operating income to assets0.4348%4,938
Return on assets (ROA)0.5518%4,588
Pretax return on assets0.7908%4,221
Return on Equity (ROE)4.5370%4,724
Retained earnings to average equity (ytd only)-0.1534%5,535
Net charge-offs to loans0.1071%2,316
Credit loss provision to net charge-offs64.7059%3,198
Earnings coverage of net charge-offs (x)10.8706%2,649
Efficiency ratio81.2758%1,501
Assets per employee ($millions)2.8221%5,679
Cash dividends to net income (ytd only)*103.3810%356
Condition Ratios (%)
Loss allowance to loans1.0035%4,587
Loan loss allowance to noncurrent loans74.4821%4,264
Noncurrent assets plus other real estate owned to assets0.7680%2,761
Noncurrent loans to loans1.3472%1,743
Net loans and leases to total assets56.4320%4,262
Net loans and leases to deposits65.0438%4,398
Net loans and leases to core deposits66.9196%4,511
Total domestic deposits to total assets86.7600%2,250
Equity capital to assets12.0714%1,904
Core capital (leverage) ratio7.5156%5,977
Tier 1 risk-based capital ratio17.6258%2,085
Total risk-based capital ratio18.8771%2,034
Memoranda:
Average total assets$139,350,6003,730
Average earning assets$121,841,4003,841
Average equity$16,949,4003,535
Average total loans$79,339,4003,844
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8873%3,780
Cost of funding earning assets0.4174%3,035
Net interest margin3.4700%3,668
Noninterest income to average assets0.5567%3,008
Noninterest expense to average assets2.9843%2,575
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.4347%5,029
Return on assets (ROA)0.5949%4,510
Pretax return on assets0.8280%4,249
Return on Equity (ROE)4.8823%4,677
Retained earnings to average equity (ytd only)1.5046%5,116
Net charge-offs to loans0.0705%2,558
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)15.0948%2,206
Efficiency ratio82.5219%1,326
Assets per employee ($millions)2.9243%5,628
Cash dividends to net income (ytd only)*69.1808%1,065
Condition Ratios (%)
Loss allowance to loans0.9873%4,809
Loan loss allowance to noncurrent loans75.6311%4,264
Noncurrent assets plus other real estate owned to assets0.7494%3,029
Noncurrent loans to loans1.3054%1,956
Net loans and leases to total assets56.8414%4,260
Net loans and leases to deposits65.8025%4,400
Net loans and leases to core deposits67.7266%4,565
Total domestic deposits to total assets86.3819%2,337
Equity capital to assets12.3965%1,800
Core capital (leverage) ratio7.7059%6,010
Tier 1 risk-based capital ratio18.0340%2,019
Total risk-based capital ratio19.2858%1,985
Memoranda:
Average total assets$139,617,0003,761
Average earning assets$122,034,7503,880
Average equity$17,013,5003,556
Average total loans$79,467,2503,877
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8800%3,773
Cost of funding earning assets0.4219%3,021
Net interest margin3.4581%3,668
Noninterest income to average assets0.5501%3,042
Noninterest expense to average assets2.9599%2,678
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.4635%4,928
Return on assets (ROA)0.7125%3,954
Pretax return on assets0.9477%3,779
Return on Equity (ROE)5.8805%4,191
Retained earnings to average equity (ytd only)2.4345%4,501
Net charge-offs to loans0.0050%3,724
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)216.0000%326
Efficiency ratio82.1841%1,467
Assets per employee ($millions)2.8954%5,715
Cash dividends to net income (ytd only)*58.6000%1,588
Condition Ratios (%)
Loss allowance to loans1.0334%4,695
Loan loss allowance to noncurrent loans84.4330%4,088
Noncurrent assets plus other real estate owned to assets0.6979%3,306
Noncurrent loans to loans1.2239%2,208
Net loans and leases to total assets56.4372%4,292
Net loans and leases to deposits65.1324%4,425
Net loans and leases to core deposits66.8949%4,579
Total domestic deposits to total assets86.6500%2,345
Equity capital to assets12.2053%1,873
Core capital (leverage) ratio7.5298%6,094
Tier 1 risk-based capital ratio17.8625%2,108
Total risk-based capital ratio19.1149%2,066
Memoranda:
Average total assets$140,342,0003,777
Average earning assets$122,783,3303,897
Average equity$17,005,3303,566
Average total loans$79,655,3303,895
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8206%3,921
Cost of funding earning assets0.4173%3,110
Net interest margin3.4033%3,832
Noninterest income to average assets0.5191%3,157
Noninterest expense to average assets2.9641%2,691
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.4475%4,884
Return on assets (ROA)0.9871%2,448
Pretax return on assets1.1970%2,684
Return on Equity (ROE)8.1755%2,869
Retained earnings to average equity (ytd only)6.8364%2,084
Net charge-offs to loans-0.0150%4,912
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.9676%1,387
Assets per employee ($millions)2.8320%5,848
Cash dividends to net income (ytd only)*16.3793%2,623
Condition Ratios (%)
Loss allowance to loans1.0460%4,785
Loan loss allowance to noncurrent loans90.2519%3,916
Noncurrent assets plus other real estate owned to assets0.6504%3,550
Noncurrent loans to loans1.1590%2,448
Net loans and leases to total assets55.0490%4,313
Net loans and leases to deposits63.5678%4,414
Net loans and leases to core deposits65.2542%4,592
Total domestic deposits to total assets86.5990%2,605
Equity capital to assets12.1701%1,913
Core capital (leverage) ratio7.6189%6,104
Tier 1 risk-based capital ratio18.4437%2,018
Total risk-based capital ratio19.6964%1,965
Memoranda:
Average total assets$141,022,5003,795
Average earning assets$123,645,0003,913
Average equity$17,026,5003,587
Average total loans$79,855,0003,897
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9884%3,766
Cost of funding earning assets0.4975%2,701
Net interest margin3.4908%3,831
Noninterest income to average assets0.6917%2,338
Noninterest expense to average assets2.9702%2,929
Loan and lease loss provision to assets0.1536%1,712
Net operating income to assets0.4363%5,086
Return on assets (ROA)0.5444%4,708
Pretax return on assets0.7787%4,337
Return on Equity (ROE)4.7330%4,791
Retained earnings to average equity (ytd only)1.6102%5,016
Net charge-offs to loans0.1553%2,481
Credit loss provision to net charge-offs172.4409%1,406
Earnings coverage of net charge-offs (x)8.7323%2,836
Efficiency ratio78.4952%2,133
Assets per employee ($millions)2.7538%5,978
Cash dividends to net income (ytd only)*65.9794%1,466
Condition Ratios (%)
Loss allowance to loans1.0144%4,969
Loan loss allowance to noncurrent loans69.2827%4,541
Noncurrent assets plus other real estate owned to assets0.8438%3,100
Noncurrent loans to loans1.4641%2,008
Net loans and leases to total assets57.0441%4,186
Net loans and leases to deposits65.6600%4,364
Net loans and leases to core deposits67.4108%4,563
Total domestic deposits to total assets86.8780%2,338
Equity capital to assets11.9763%2,032
Core capital (leverage) ratio7.2603%6,264
Tier 1 risk-based capital ratio15.9507%2,986
Total risk-based capital ratio17.2018%2,933
Memoranda:
Average total assets$142,549,8003,750
Average earning assets$124,812,2003,865
Average equity$16,395,4003,620
Average total loans$81,798,6003,826
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9714%3,871
Cost of funding earning assets0.5135%2,624
Net interest margin3.4580%3,987
Noninterest income to average assets0.7380%2,146
Noninterest expense to average assets2.9755%2,879
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.5498%4,674
Return on assets (ROA)0.5498%4,752
Pretax return on assets0.7874%4,405
Return on Equity (ROE)4.8293%4,802
Retained earnings to average equity (ytd only)2.4228%4,845
Net charge-offs to loans0.0797%3,060
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)17.2454%1,916
Efficiency ratio78.3309%2,132
Assets per employee ($millions)2.7335%6,042
Cash dividends to net income (ytd only)*49.8303%1,844
Condition Ratios (%)
Loss allowance to loans0.8241%5,813
Loan loss allowance to noncurrent loans47.2222%5,244
Noncurrent assets plus other real estate owned to assets1.0131%2,931
Noncurrent loans to loans1.7452%1,858
Net loans and leases to total assets57.5712%4,128
Net loans and leases to deposits65.9686%4,332
Net loans and leases to core deposits69.1738%4,397
Total domestic deposits to total assets87.2707%2,169
Equity capital to assets11.6853%2,326
Core capital (leverage) ratio7.1843%6,358
Tier 1 risk-based capital ratio15.6499%3,239
Total risk-based capital ratio16.7122%3,280
Memoranda:
Average total assets$143,076,2503,773
Average earning assets$125,157,5003,891
Average equity$16,289,2503,652
Average total loans$82,014,2503,847
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9483%3,936
Cost of funding earning assets0.5133%2,691
Net interest margin3.4350%4,040
Noninterest income to average assets0.8174%1,777
Noninterest expense to average assets2.9849%2,889
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.5830%4,438
Return on assets (ROA)0.5830%4,535
Pretax return on assets0.8383%4,126
Return on Equity (ROE)5.1661%4,598
Retained earnings to average equity (ytd only)2.0022%4,880
Net charge-offs to loans0.0391%3,444
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)37.5625%1,106
Efficiency ratio77.3440%2,399
Assets per employee ($millions)2.6508%6,166
Cash dividends to net income (ytd only)*61.2440%1,477
Condition Ratios (%)
Loss allowance to loans0.8652%5,830
Loan loss allowance to noncurrent loans55.3142%4,974
Noncurrent assets plus other real estate owned to assets0.8841%3,338
Noncurrent loans to loans1.5641%2,216
Net loans and leases to total assets56.0355%4,280
Net loans and leases to deposits63.8812%4,515
Net loans and leases to core deposits67.0450%4,551
Total domestic deposits to total assets87.7184%2,076
Equity capital to assets11.2878%2,621
Core capital (leverage) ratio7.0610%6,418
Tier 1 risk-based capital ratio15.4299%3,394
Total risk-based capital ratio16.5442%3,421
Memoranda:
Average total assets$143,387,0003,791
Average earning assets$125,472,6703,900
Average equity$16,182,3303,663
Average total loans$81,847,6703,855
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9240%3,999
Cost of funding earning assets0.5159%2,753
Net interest margin3.4081%4,081
Noninterest income to average assets0.7343%2,017
Noninterest expense to average assets3.0749%2,603
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.4473%4,942
Return on assets (ROA)0.4473%5,012
Pretax return on assets0.6330%4,714
Return on Equity (ROE)3.9639%5,055
Retained earnings to average equity (ytd only)3.0165%4,302
Net charge-offs to loans0.0196%3,194
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)56.2500%690
Efficiency ratio82.1700%1,906
Assets per employee ($millions)2.6662%6,233
Cash dividends to net income (ytd only)*23.8994%2,439
Condition Ratios (%)
Loss allowance to loans0.8879%5,900
Loan loss allowance to noncurrent loans47.0779%5,312
Noncurrent assets plus other real estate owned to assets1.2606%2,754
Noncurrent loans to loans1.8861%2,018
Net loans and leases to total assets56.2088%4,126
Net loans and leases to deposits64.0501%4,308
Net loans and leases to core deposits66.6080%4,436
Total domestic deposits to total assets87.7575%2,377
Equity capital to assets11.2486%2,481
Core capital (leverage) ratio7.1934%6,426
Tier 1 risk-based capital ratio15.1994%3,615
Total risk-based capital ratio16.3213%3,628
Memoranda:
Average total assets$142,183,0003,846
Average earning assets$124,057,5003,964
Average equity$16,045,0003,689
Average total loans$81,566,5003,895
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1060%3,717
Cost of funding earning assets0.6761%1,988
Net interest margin3.4299%4,168
Noninterest income to average assets0.5032%3,734
Noninterest expense to average assets3.0093%3,026
Loan and lease loss provision to assets0.0228%4,671
Net operating income to assets0.3216%5,449
Return on assets (ROA)0.3883%5,294
Pretax return on assets0.5318%5,099
Return on Equity (ROE)3.2951%5,404
Retained earnings to average equity (ytd only)0.3513%5,692
Net charge-offs to loans0.1079%3,751
Credit loss provision to net charge-offs37.2093%4,093
Earnings coverage of net charge-offs (x)7.5465%2,821
Efficiency ratio85.5704%1,459
Assets per employee ($millions)2.4630%6,427
Cash dividends to net income (ytd only)*89.3382%660
Condition Ratios (%)
Loss allowance to loans0.8947%5,950
Loan loss allowance to noncurrent loans36.8554%5,727
Noncurrent assets plus other real estate owned to assets1.6048%2,313
Noncurrent loans to loans2.4275%1,573
Net loans and leases to total assets57.5197%4,116
Net loans and leases to deposits65.4979%4,351
Net loans and leases to core deposits68.3247%4,475
Total domestic deposits to total assets87.8191%2,294
Equity capital to assets11.3219%2,320
Core capital (leverage) ratio7.1730%6,481
Tier 1 risk-based capital ratio15.0050%3,663
Total risk-based capital ratio16.1338%3,679
Memoranda:
Average total assets$140,100,2003,870
Average earning assets$121,287,2004,026
Average equity$16,509,4003,628
Average total loans$79,707,4003,945
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0951%3,783
Cost of funding earning assets0.6989%1,959
Net interest margin3.3962%4,305
Noninterest income to average assets0.5123%3,721
Noninterest expense to average assets3.0117%2,954
Loan and lease loss provision to assets0.0067%4,844
Net operating income to assets0.3156%5,561
Return on assets (ROA)0.3085%5,705
Pretax return on assets0.4180%5,579
Return on Equity (ROE)2.5925%5,754
Retained earnings to average equity (ytd only)0.2401%5,868
Net charge-offs to loans0.1531%3,016
Credit loss provision to net charge-offs7.6923%4,245
Earnings coverage of net charge-offs (x)5.0110%3,305
Efficiency ratio86.3222%1,336
Assets per employee ($millions)2.4865%6,489
Cash dividends to net income (ytd only)*90.7405%552
Condition Ratios (%)
Loss allowance to loans0.8482%6,187
Loan loss allowance to noncurrent loans39.4692%5,648
Noncurrent assets plus other real estate owned to assets1.4694%2,737
Noncurrent loans to loans2.1490%2,069
Net loans and leases to total assets58.6830%3,896
Net loans and leases to deposits66.9798%4,185
Net loans and leases to core deposits69.7237%4,355
Total domestic deposits to total assets87.6130%2,354
Equity capital to assets11.5043%2,302
Core capital (leverage) ratio7.1956%6,547
Tier 1 risk-based capital ratio14.6454%3,989
Total risk-based capital ratio15.7062%4,062
Memoranda:
Average total assets$140,027,2503,913
Average earning assets$120,954,7504,077
Average equity$16,663,0003,646
Average total loans$79,263,7503,996
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0551%3,904
Cost of funding earning assets0.6978%2,077
Net interest margin3.3572%4,348
Noninterest income to average assets0.5874%3,274
Noninterest expense to average assets3.0081%2,976
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3507%5,402
Return on assets (ROA)0.3507%5,579
Pretax return on assets0.4804%5,439
Return on Equity (ROE)2.9151%5,652
Retained earnings to average equity (ytd only)-0.1185%5,876
Net charge-offs to loans0.1560%2,852
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)5.5246%2,880
Efficiency ratio85.1655%1,502
Assets per employee ($millions)2.4311%6,552
Cash dividends to net income (ytd only)*104.0650%474
Condition Ratios (%)
Loss allowance to loans0.9204%6,078
Loan loss allowance to noncurrent loans41.9280%5,542
Noncurrent assets plus other real estate owned to assets1.4163%2,979
Noncurrent loans to loans2.1951%2,183
Net loans and leases to total assets55.1233%4,433
Net loans and leases to deposits63.1493%4,603
Net loans and leases to core deposits65.9959%4,690
Total domestic deposits to total assets87.2904%2,664
Equity capital to assets11.6075%2,210
Core capital (leverage) ratio7.0854%6,589
Tier 1 risk-based capital ratio15.3723%3,551
Total risk-based capital ratio16.5287%3,563
Memoranda:
Average total assets$140,288,6703,942
Average earning assets$121,231,3304,093
Average equity$16,877,6703,641
Average total loans$78,214,6704,037
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0050%4,100
Cost of funding earning assets0.6923%2,287
Net interest margin3.3127%4,470
Noninterest income to average assets0.5660%3,339
Noninterest expense to average assets3.0072%2,968
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3030%5,556
Return on assets (ROA)0.3030%5,682
Pretax return on assets0.4173%5,510
Return on Equity (ROE)2.4748%5,788
Retained earnings to average equity (ytd only)1.5876%5,188
Net charge-offs to loans-0.0102%5,447
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.7279%1,433
Assets per employee ($millions)2.5217%6,565
Cash dividends to net income (ytd only)*35.8491%1,952
Condition Ratios (%)
Loss allowance to loans1.0130%5,941
Loan loss allowance to noncurrent loans39.0353%5,650
Noncurrent assets plus other real estate owned to assets1.5763%2,897
Noncurrent loans to loans2.5952%1,988
Net loans and leases to total assets54.3187%4,355
Net loans and leases to deposits62.6000%4,461
Net loans and leases to core deposits65.2864%4,616
Total domestic deposits to total assets86.7710%3,090
Equity capital to assets12.1023%1,972
Core capital (leverage) ratio7.1119%6,609
Tier 1 risk-based capital ratio15.6830%3,439
Total risk-based capital ratio16.9329%3,401
Memoranda:
Average total assets$139,931,0003,989
Average earning assets$120,749,0004,137
Average equity$17,133,0003,648
Average total loans$78,098,0004,066
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4165%3,749
Cost of funding earning assets0.7544%3,054
Net interest margin3.6621%3,819
Noninterest income to average assets0.6387%3,059
Noninterest expense to average assets3.1477%2,781
Loan and lease loss provision to assets0.3625%1,829
Net operating income to assets0.2059%5,771
Return on assets (ROA)0.5227%4,859
Pretax return on assets0.7286%4,562
Return on Equity (ROE)4.2269%5,051
Retained earnings to average equity (ytd only)1.0377%5,354
Net charge-offs to loans0.8849%1,289
Credit loss provision to net charge-offs69.9301%4,168
Earnings coverage of net charge-offs (x)1.2559%4,833
Efficiency ratio81.5267%1,940
Assets per employee ($millions)2.3905%6,714
Cash dividends to net income (ytd only)*75.4508%1,164
Condition Ratios (%)
Loss allowance to loans0.9948%5,985
Loan loss allowance to noncurrent loans40.5489%5,593
Noncurrent assets plus other real estate owned to assets1.5478%3,066
Noncurrent loans to loans2.4534%2,163
Net loans and leases to total assets56.2016%4,253
Net loans and leases to deposits65.0741%4,411
Net loans and leases to core deposits68.0782%4,521
Total domestic deposits to total assets86.3656%3,166
Equity capital to assets12.3881%1,796
Core capital (leverage) ratio7.1323%6,658
Tier 1 risk-based capital ratio15.4122%3,479
Total risk-based capital ratio16.6621%3,439
Memoranda:
Average total assets$137,941,4003,991
Average earning assets$119,030,4004,129
Average equity$17,057,4003,621
Average total loans$80,804,0004,015
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4593%3,784
Cost of funding earning assets0.7681%3,209
Net interest margin3.6912%3,837
Noninterest income to average assets0.6465%3,009
Noninterest expense to average assets3.1822%2,624
Loan and lease loss provision to assets0.4839%1,277
Net operating income to assets0.1210%6,088
Return on assets (ROA)0.5381%4,937
Pretax return on assets0.7539%4,664
Return on Equity (ROE)4.3535%5,125
Retained earnings to average equity (ytd only)1.9262%5,364
Net charge-offs to loans1.1984%812
Credit loss provision to net charge-offs68.3995%3,950
Earnings coverage of net charge-offs (x)0.9193%4,866
Efficiency ratio81.7172%1,841
Assets per employee ($millions)2.4174%6,768
Cash dividends to net income (ytd only)*55.7554%1,439
Condition Ratios (%)
Loss allowance to loans0.9748%6,176
Loan loss allowance to noncurrent loans42.3757%5,532
Noncurrent assets plus other real estate owned to assets1.5241%3,295
Noncurrent loans to loans2.3003%2,506
Net loans and leases to total assets56.5481%4,367
Net loans and leases to deposits65.6370%4,514
Net loans and leases to core deposits68.0575%4,719
Total domestic deposits to total assets86.1527%3,169
Equity capital to assets12.5358%1,870
Core capital (leverage) ratio7.3162%6,710
Tier 1 risk-based capital ratio15.5247%3,518
Total risk-based capital ratio16.7607%3,492
Memoranda:
Average total assets$137,764,5004,029
Average earning assets$118,910,2504,177
Average equity$17,027,7503,650
Average total loans$81,328,5004,041
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4971%3,778
Cost of funding earning assets0.7783%3,380
Net interest margin3.7188%3,732
Noninterest income to average assets0.6577%2,913
Noninterest expense to average assets3.1824%2,651
Loan and lease loss provision to assets0.7259%727
Net operating income to assets-0.0202%6,348
Return on assets (ROA)0.5967%4,643
Pretax return on assets0.8493%4,282
Return on Equity (ROE)4.8507%4,874
Retained earnings to average equity (ytd only)1.6405%5,386
Net charge-offs to loans0.5936%1,832
Credit loss provision to net charge-offs204.9180%1,395
Earnings coverage of net charge-offs (x)1.9590%3,993
Efficiency ratio80.7865%2,066
Assets per employee ($millions)2.3127%6,899
Cash dividends to net income (ytd only)*66.1800%1,192
Condition Ratios (%)
Loss allowance to loans1.5615%3,737
Loan loss allowance to noncurrent loans49.0995%5,167
Noncurrent assets plus other real estate owned to assets1.8838%2,925
Noncurrent loans to loans3.1803%1,835
Net loans and leases to total assets56.9717%4,332
Net loans and leases to deposits66.0341%4,509
Net loans and leases to core deposits68.9428%4,676
Total domestic deposits to total assets86.2763%3,209
Equity capital to assets12.4459%1,849
Core capital (leverage) ratio7.2507%6,742
Tier 1 risk-based capital ratio15.2562%3,596
Total risk-based capital ratio16.5158%3,560
Memoranda:
Average total assets$137,756,3304,047
Average earning assets$119,231,6704,191
Average equity$16,946,0003,650
Average total loans$82,210,0004,032
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5844%3,578
Cost of funding earning assets0.7971%3,496
Net interest margin3.7873%3,450
Noninterest income to average assets0.6849%2,730
Noninterest expense to average assets3.1591%2,738
Loan and lease loss provision to assets1.4571%241
Net operating income to assets-0.4512%6,798
Return on assets (ROA)0.7694%3,763
Pretax return on assets1.1191%3,246
Return on Equity (ROE)6.2917%4,144
Retained earnings to average equity (ytd only)5.3861%3,321
Net charge-offs to loans0.3896%2,134
Credit loss provision to net charge-offs617.2840%554
Earnings coverage of net charge-offs (x)3.4198%2,844
Efficiency ratio78.3982%2,440
Assets per employee ($millions)2.2824%7,002
Cash dividends to net income (ytd only)*14.3939%2,457
Condition Ratios (%)
Loss allowance to loans1.7092%3,313
Loan loss allowance to noncurrent loans70.8146%4,006
Noncurrent assets plus other real estate owned to assets1.4612%3,673
Noncurrent loans to loans2.4136%2,693
Net loans and leases to total assets59.5059%3,777
Net loans and leases to deposits68.2902%4,013
Net loans and leases to core deposits71.4763%4,229
Total domestic deposits to total assets87.1368%2,872
Equity capital to assets11.9205%2,099
Core capital (leverage) ratio7.1091%6,798
Tier 1 risk-based capital ratio14.9614%3,782
Total risk-based capital ratio16.2236%3,737
Memoranda:
Average total assets$137,254,5004,085
Average earning assets$118,924,0004,225
Average equity$16,784,0003,680
Average total loans$83,161,0004,037
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8225%3,698
Cost of funding earning assets0.9152%4,006
Net interest margin3.9073%3,305
Noninterest income to average assets0.5276%3,665
Noninterest expense to average assets3.2701%2,620
Loan and lease loss provision to assets0.3234%3,101
Net operating income to assets0.2277%5,498
Return on assets (ROA)0.5501%4,415
Pretax return on assets0.7986%3,983
Return on Equity (ROE)4.6422%4,553
Retained earnings to average equity (ytd only)1.3062%5,245
Net charge-offs to loans0.1159%5,220
Credit loss provision to net charge-offs445.0000%511
Earnings coverage of net charge-offs (x)9.0100%2,051
Efficiency ratio81.5775%2,084
Assets per employee ($millions)2.1495%7,099
Cash dividends to net income (ytd only)*71.8626%1,070
Condition Ratios (%)
Loss allowance to loans1.1964%5,406
Loan loss allowance to noncurrent loans50.2771%5,006
Noncurrent assets plus other real estate owned to assets1.4974%3,704
Noncurrent loans to loans2.3796%2,753
Net loans and leases to total assets59.9115%4,008
Net loans and leases to deposits69.5208%4,188
Net loans and leases to core deposits72.8012%4,404
Total domestic deposits to total assets86.1777%3,215
Equity capital to assets12.5349%1,779
Core capital (leverage) ratio6.9370%6,884
Tier 1 risk-based capital ratio14.6267%3,881
Total risk-based capital ratio15.8803%3,857
Memoranda:
Average total assets$137,611,4004,021
Average earning assets$119,647,2004,138
Average equity$16,307,0003,677
Average total loans$86,294,2003,957
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8417%3,825
Cost of funding earning assets0.9407%4,105
Net interest margin3.9010%3,378
Noninterest income to average assets0.5387%3,592
Noninterest expense to average assets3.2252%2,745
Loan and lease loss provision to assets0.4311%2,319
Net operating income to assets0.1854%5,741
Return on assets (ROA)0.6152%4,200
Pretax return on assets0.8962%3,779
Return on Equity (ROE)5.2676%4,415
Retained earnings to average equity (ytd only)2.8288%4,662
Net charge-offs to loans0.1042%4,957
Credit loss provision to net charge-offs654.4118%414
Earnings coverage of net charge-offs (x)10.6917%1,887
Efficiency ratio80.3501%2,206
Assets per employee ($millions)2.2985%7,080
Cash dividends to net income (ytd only)*46.2989%1,745
Condition Ratios (%)
Loss allowance to loans1.2137%5,411
Loan loss allowance to noncurrent loans51.1166%4,940
Noncurrent assets plus other real estate owned to assets1.5855%3,713
Noncurrent loans to loans2.3744%2,921
Net loans and leases to total assets59.7899%4,165
Net loans and leases to deposits69.1198%4,434
Net loans and leases to core deposits73.2074%4,564
Total domestic deposits to total assets86.5018%2,931
Equity capital to assets12.2095%2,093
Core capital (leverage) ratio6.9620%6,973
Tier 1 risk-based capital ratio14.5830%3,920
Total risk-based capital ratio15.8097%3,911
Memoranda:
Average total assets$137,622,2504,043
Average earning assets$119,624,7504,162
Average equity$16,072,7503,725
Average total loans$87,013,5003,969
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8472%3,877
Cost of funding earning assets0.9640%4,221
Net interest margin3.8831%3,387
Noninterest income to average assets0.5689%3,340
Noninterest expense to average assets3.2363%2,787
Loan and lease loss provision to assets0.0980%5,093
Net operating income to assets0.4145%4,876
Return on assets (ROA)0.6113%4,133
Pretax return on assets0.8892%3,656
Return on Equity (ROE)5.3167%4,299
Retained earnings to average equity (ytd only)2.0605%4,946
Net charge-offs to loans-0.0137%6,752
Credit loss provision to net charge-offs-1,116.6667%6,606
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4307%2,319
Assets per employee ($millions)2.2709%7,139
Cash dividends to net income (ytd only)*61.2440%1,312
Condition Ratios (%)
Loss allowance to loans0.8358%6,805
Loan loss allowance to noncurrent loans34.4402%6,018
Noncurrent assets plus other real estate owned to assets1.6914%3,651
Noncurrent loans to loans2.4267%2,960
Net loans and leases to total assets62.1843%3,854
Net loans and leases to deposits70.9589%4,298
Net loans and leases to core deposits74.8053%4,466
Total domestic deposits to total assets87.6342%2,378
Equity capital to assets11.4945%2,504
Core capital (leverage) ratio6.8337%7,048
Tier 1 risk-based capital ratio12.1072%5,705
Total risk-based capital ratio13.0589%5,917
Memoranda:
Average total assets$136,759,3304,093
Average earning assets$118,666,6704,217
Average equity$15,724,0003,780
Average total loans$87,730,6703,992
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8393%3,871
Cost of funding earning assets0.9916%4,262
Net interest margin3.8477%3,383
Noninterest income to average assets0.6153%3,069
Noninterest expense to average assets3.1853%2,945
Loan and lease loss provision to assets0.0942%4,835
Net operating income to assets0.4652%4,644
Return on assets (ROA)0.4916%4,605
Pretax return on assets0.7095%4,268
Return on Equity (ROE)4.2753%4,759
Retained earnings to average equity (ytd only)3.3025%4,205
Net charge-offs to loans-0.0227%6,611
Credit loss provision to net charge-offs-640.0000%6,011
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.9121%2,704
Assets per employee ($millions)2.4524%7,048
Cash dividends to net income (ytd only)*22.7545%2,149
Condition Ratios (%)
Loss allowance to loans0.7971%6,928
Loan loss allowance to noncurrent loans48.6258%5,078
Noncurrent assets plus other real estate owned to assets1.2393%4,473
Noncurrent loans to loans1.6392%4,022
Net loans and leases to total assets62.5312%3,751
Net loans and leases to deposits71.2297%4,167
Net loans and leases to core deposits74.3444%4,502
Total domestic deposits to total assets87.7881%2,493
Equity capital to assets11.4488%2,315
Core capital (leverage) ratio7.0739%6,971
Tier 1 risk-based capital ratio14.5129%3,731
Total risk-based capital ratio15.6039%3,797
Memoranda:
Average total assets$135,875,5004,138
Average earning assets$117,785,0004,259
Average equity$15,624,5003,790
Average total loans$88,162,0004,012
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1978%3,620
Cost of funding earning assets1.2166%4,444
Net interest margin3.9812%3,099
Noninterest income to average assets0.6637%3,059
Noninterest expense to average assets3.2782%2,801
Loan and lease loss provision to assets0.0595%6,547
Net operating income to assets0.5137%4,032
Return on assets (ROA)0.5294%4,122
Pretax return on assets0.7628%3,749
Return on Equity (ROE)4.6428%4,234
Retained earnings to average equity (ytd only)0.6955%5,217
Net charge-offs to loans0.3163%4,437
Credit loss provision to net charge-offs27.5510%6,510
Earnings coverage of net charge-offs (x)3.7041%3,229
Efficiency ratio78.1599%2,682
Assets per employee ($millions)2.2403%7,266
Cash dividends to net income (ytd only)*85.0208%705
Condition Ratios (%)
Loss allowance to loans0.7275%7,092
Loan loss allowance to noncurrent loans57.8901%4,545
Noncurrent assets plus other real estate owned to assets1.0497%4,906
Noncurrent loans to loans1.2567%4,615
Net loans and leases to total assets66.2895%3,406
Net loans and leases to deposits75.6031%3,905
Net loans and leases to core deposits78.8324%4,366
Total domestic deposits to total assets87.6810%2,434
Equity capital to assets11.5505%2,221
Core capital (leverage) ratio6.9185%7,061
Tier 1 risk-based capital ratio13.7092%4,055
Total risk-based capital ratio14.7007%4,220
Memoranda:
Average total assets$136,202,8004,136
Average earning assets$116,799,4004,297
Average equity$15,529,4003,860
Average total loans$92,948,0003,982
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2716%3,482
Cost of funding earning assets1.2566%4,525
Net interest margin4.0150%3,030
Noninterest income to average assets0.6732%2,994
Noninterest expense to average assets3.2784%2,642
Loan and lease loss provision to assets0.0790%6,254
Net operating income to assets0.5230%4,207
Return on assets (ROA)0.5230%4,389
Pretax return on assets0.7513%4,076
Return on Equity (ROE)4.6017%4,502
Retained earnings to average equity (ytd only)1.2019%5,333
Net charge-offs to loans0.3954%3,703
Credit loss provision to net charge-offs29.1367%6,164
Earnings coverage of net charge-offs (x)3.0611%3,600
Efficiency ratio77.5825%2,683
Assets per employee ($millions)2.2665%7,336
Cash dividends to net income (ytd only)*73.8809%806
Condition Ratios (%)
Loss allowance to loans0.7498%7,108
Loan loss allowance to noncurrent loans65.1412%4,042
Noncurrent assets plus other real estate owned to assets0.9849%5,113
Noncurrent loans to loans1.1511%4,938
Net loans and leases to total assets66.2207%3,638
Net loans and leases to deposits76.0229%4,173
Net loans and leases to core deposits78.9074%4,680
Total domestic deposits to total assets87.1063%2,468
Equity capital to assets11.6673%2,388
Core capital (leverage) ratio6.8686%7,224
Tier 1 risk-based capital ratio13.9405%3,886
Total risk-based capital ratio14.9734%3,994
Memoranda:
Average total assets$136,649,0004,175
Average earning assets$116,925,7504,360
Average equity$15,530,2503,896
Average total loans$93,745,5004,026
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3392%3,268
Cost of funding earning assets1.2922%4,584
Net interest margin4.0470%2,806
Noninterest income to average assets0.6946%2,738
Noninterest expense to average assets3.2785%2,629
Loan and lease loss provision to assets0.0814%6,120
Net operating income to assets0.5464%4,113
Return on assets (ROA)0.5464%4,251
Pretax return on assets0.7891%3,922
Return on Equity (ROE)4.8496%4,359
Retained earnings to average equity (ytd only)1.5349%5,102
Net charge-offs to loans0.2751%3,964
Credit loss provision to net charge-offs42.7481%5,560
Earnings coverage of net charge-offs (x)4.5725%2,910
Efficiency ratio76.8476%2,923
Assets per employee ($millions)2.1313%7,491
Cash dividends to net income (ytd only)*68.3511%1,064
Condition Ratios (%)
Loss allowance to loans0.8526%6,896
Loan loss allowance to noncurrent loans66.0267%4,029
Noncurrent assets plus other real estate owned to assets1.0799%4,972
Noncurrent loans to loans1.2914%4,801
Net loans and leases to total assets67.4328%3,514
Net loans and leases to deposits76.7022%4,201
Net loans and leases to core deposits80.7194%4,590
Total domestic deposits to total assets87.9150%2,046
Equity capital to assets11.4053%2,516
Core capital (leverage) ratio6.7132%7,319
Tier 1 risk-based capital ratio13.3514%4,169
Total risk-based capital ratio14.5280%4,190
Memoranda:
Average total assets$137,624,0004,183
Average earning assets$117,470,3304,384
Average equity$15,506,3303,894
Average total loans$95,253,3304,033
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4582%2,791
Cost of funding earning assets1.3466%4,525
Net interest margin4.1116%2,393
Noninterest income to average assets0.6771%2,761
Noninterest expense to average assets3.3392%2,397
Loan and lease loss provision to assets0.1620%4,906
Net operating income to assets0.4572%4,587
Return on assets (ROA)0.4572%4,710
Pretax return on assets0.6569%4,384
Return on Equity (ROE)4.0824%4,858
Retained earnings to average equity (ytd only)3.1006%4,278
Net charge-offs to loans0.4353%2,745
Credit loss provision to net charge-offs53.3333%4,430
Earnings coverage of net charge-offs (x)2.6952%3,190
Efficiency ratio78.1489%2,867
Assets per employee ($millions)2.2347%7,515
Cash dividends to net income (ytd only)*24.0506%2,143
Condition Ratios (%)
Loss allowance to loans0.8529%6,982
Loan loss allowance to noncurrent loans53.2595%4,774
Noncurrent assets plus other real estate owned to assets1.2956%4,589
Noncurrent loans to loans1.6013%4,343
Net loans and leases to total assets67.4622%3,514
Net loans and leases to deposits76.4287%4,335
Net loans and leases to core deposits79.7839%4,786
Total domestic deposits to total assets88.2681%1,915
Equity capital to assets11.0372%2,724
Core capital (leverage) ratio6.7215%7,382
Tier 1 risk-based capital ratio12.6674%4,588
Total risk-based capital ratio13.8243%4,637
Memoranda:
Average total assets$138,235,5004,226
Average earning assets$117,034,5004,447
Average equity$15,481,0003,925
Average total loans$96,495,0004,063
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9307%2,129
Cost of funding earning assets1.6679%4,684
Net interest margin4.2629%1,845
Noninterest income to average assets0.7521%2,666
Noninterest expense to average assets3.7918%1,711
Loan and lease loss provision to assets0.1681%6,008
Net operating income to assets0.2916%4,567
Return on assets (ROA)0.2916%4,653
Pretax return on assets0.3713%4,576
Return on Equity (ROE)2.5899%4,665
Retained earnings to average equity (ytd only)-0.1233%4,965
Net charge-offs to loans0.3755%4,329
Credit loss provision to net charge-offs61.3333%6,625
Earnings coverage of net charge-offs (x)1.9680%4,244
Efficiency ratio83.9521%2,356
Assets per employee ($millions)2.1201%7,636
Cash dividends to net income (ytd only)*104.7619%559
Condition Ratios (%)
Loss allowance to loans0.8910%6,854
Loan loss allowance to noncurrent loans35.1176%6,094
Noncurrent assets plus other real estate owned to assets1.8175%3,643
Noncurrent loans to loans2.5372%3,016
Net loans and leases to total assets70.9951%3,004
Net loans and leases to deposits80.7046%3,859
Net loans and leases to core deposits93.0427%4,776
Total domestic deposits to total assets87.9691%1,985
Equity capital to assets11.3669%2,423
Core capital (leverage) ratio6.6758%7,421
Tier 1 risk-based capital ratio12.1710%4,798
Total risk-based capital ratio13.3694%4,801
Memoranda:
Average total assets$136,822,2004,194
Average earning assets$114,876,0004,425
Average equity$15,406,0003,990
Average total loans$99,856,4003,957
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0101%1,996
Cost of funding earning assets1.7053%4,870
Net interest margin4.3048%1,717
Noninterest income to average assets0.7109%2,945
Noninterest expense to average assets3.8879%1,447
Loan and lease loss provision to assets0.1789%5,572
Net operating income to assets0.1945%5,180
Return on assets (ROA)0.1945%5,253
Pretax return on assets0.2674%5,145
Return on Equity (ROE)1.7314%5,252
Retained earnings to average equity (ytd only)0.0086%5,200
Net charge-offs to loans0.3780%3,761
Credit loss provision to net charge-offs64.5614%6,090
Earnings coverage of net charge-offs (x)1.6105%4,590
Efficiency ratio86.2464%2,035
Assets per employee ($millions)2.0439%7,764
Cash dividends to net income (ytd only)*99.5012%578
Condition Ratios (%)
Loss allowance to loans0.9180%6,682
Loan loss allowance to noncurrent loans38.5593%5,801
Noncurrent assets plus other real estate owned to assets1.7495%3,733
Noncurrent loans to loans2.3807%3,168
Net loans and leases to total assets72.8108%2,845
Net loans and leases to deposits82.9037%3,849
Net loans and leases to core deposits96.2904%4,778
Total domestic deposits to total assets87.8257%1,738
Equity capital to assets11.4582%2,630
Core capital (leverage) ratio6.7266%7,570
Tier 1 risk-based capital ratio10.6497%6,302
Total risk-based capital ratio11.7295%6,445
Memoranda:
Average total assets$137,106,7504,211
Average earning assets$115,402,0004,441
Average equity$15,401,7504,025
Average total loans$100,521,7503,965
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0308%2,053
Cost of funding earning assets1.7265%5,141
Net interest margin4.3043%1,643
Noninterest income to average assets0.6631%3,244
Noninterest expense to average assets3.9364%1,420
Loan and lease loss provision to assets0.2017%5,039
Net operating income to assets0.1262%5,490
Return on assets (ROA)0.1262%5,594
Pretax return on assets0.1640%5,548
Return on Equity (ROE)1.1311%5,599
Retained earnings to average equity (ytd only)-0.9491%5,466
Net charge-offs to loans0.4793%2,916
Credit loss provision to net charge-offs57.4380%5,639
Earnings coverage of net charge-offs (x)1.0413%4,745
Efficiency ratio88.2631%1,985
Assets per employee ($millions)2.1233%7,756
Cash dividends to net income (ytd only)*183.9080%262
Condition Ratios (%)
Loss allowance to loans0.9108%6,722
Loan loss allowance to noncurrent loans32.5915%6,290
Noncurrent assets plus other real estate owned to assets2.1194%3,034
Noncurrent loans to loans2.7946%2,580
Net loans and leases to total assets72.6959%3,040
Net loans and leases to deposits82.5478%4,128
Net loans and leases to core deposits96.1383%4,890
Total domestic deposits to total assets88.0652%1,732
Equity capital to assets11.3064%2,675
Core capital (leverage) ratio6.2862%7,859
Tier 1 risk-based capital ratio10.1665%6,753
Total risk-based capital ratio11.2815%6,813
Memoranda:
Average total assets$137,842,6704,222
Average earning assets$116,535,0004,452
Average equity$15,383,3304,043
Average total loans$100,985,3303,988
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1754%1,672
Cost of funding earning assets1.7006%5,594
Net interest margin4.4748%1,185
Noninterest income to average assets0.7722%2,471
Noninterest expense to average assets4.0254%1,155
Loan and lease loss provision to assets0.1729%4,735
Net operating income to assets0.2507%5,485
Return on assets (ROA)0.2507%5,649
Pretax return on assets0.3573%5,521
Return on Equity (ROE)2.2608%5,682
Retained earnings to average equity (ytd only)-0.0780%5,666
Net charge-offs to loans0.4959%2,222
Credit loss provision to net charge-offs47.6190%4,714
Earnings coverage of net charge-offs (x)1.4603%4,002
Efficiency ratio86.0215%2,062
Assets per employee ($millions)2.1745%7,749
Cash dividends to net income (ytd only)*103.4483%725
Condition Ratios (%)
Loss allowance to loans0.9396%6,557
Loan loss allowance to noncurrent loans51.6676%5,107
Noncurrent assets plus other real estate owned to assets1.4565%3,748
Noncurrent loans to loans1.8186%3,534
Net loans and leases to total assets71.5846%3,329
Net loans and leases to deposits82.1033%4,267
Net loans and leases to core deposits95.6342%5,007
Total domestic deposits to total assets87.1884%2,128
Equity capital to assets11.1151%2,877
Core capital (leverage) ratio6.2329%7,963
Tier 1 risk-based capital ratio9.7727%7,173
Total risk-based capital ratio10.8866%7,236
Memoranda:
Average total assets$138,820,0004,210
Average earning assets$117,368,5004,446
Average equity$15,393,0004,065
Average total loans$101,631,5003,988
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4415%3,218
Cost of funding earning assets2.1101%6,007
Net interest margin4.3314%1,881
Noninterest income to average assets0.7114%3,045
Noninterest expense to average assets3.4800%2,455
Loan and lease loss provision to assets0.4054%3,255
Net operating income to assets0.4411%4,986
Return on assets (ROA)0.4459%4,791
Pretax return on assets0.6607%4,516
Return on Equity (ROE)3.4948%5,039
Retained earnings to average equity (ytd only)0.6195%4,871
Net charge-offs to loans0.0542%6,011
Credit loss provision to net charge-offs1,052.6316%422
Earnings coverage of net charge-offs (x)27.5000%1,241
Efficiency ratio76.2447%3,196
Assets per employee ($millions)2.0980%7,825
Cash dividends to net income (ytd only)*82.2727%1,607
Condition Ratios (%)
Loss allowance to loans0.9845%6,179
Loan loss allowance to noncurrent loans44.0331%5,811
Noncurrent assets plus other real estate owned to assets1.7470%2,800
Noncurrent loans to loans2.2358%2,462
Net loans and leases to total assets73.4330%3,253
Net loans and leases to deposits86.9352%3,960
Net loans and leases to core deposits100.8410%4,742
Total domestic deposits to total assets84.4687%3,094
Equity capital to assets11.0617%2,989
Core capital (leverage) ratio7.3177%7,393
Tier 1 risk-based capital ratio11.3763%5,356
Total risk-based capital ratio12.6280%5,257
Memoranda:
Average total assets$98,676,8005,095
Average earning assets$87,200,4005,177
Average equity$12,590,0004,677
Average total loans$70,076,4004,863