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The Tri-County Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1314%217
Cost of funding earning assets0.3672%1,788
Net interest margin4.7642%184
Noninterest income to average assets0.4559%2,783
Noninterest expense to average assets2.7906%1,385
Loan and lease loss provision to assets0.0640%1,789
Net operating income to assets1.6466%713
Return on assets (ROA)1.6374%766
Pretax return on assets2.0650%537
Return on Equity (ROE)19.6990%325
Retained earnings to average equity (ytd only)18.1595%89
Net charge-offs to loans0.0047%2,429
Credit loss provision to net charge-offs2,000.0000%311
Earnings coverage of net charge-offs (x)669.1667%218
Efficiency ratio56.5899%3,631
Assets per employee ($millions)5.6942%3,064
Cash dividends to net income (ytd only)*7.8150%3,429
Condition Ratios (%)
Loss allowance to loans1.1532%3,114
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets66.2772%1,442
Net loans and leases to deposits72.9492%1,817
Net loans and leases to core deposits74.2674%2,057
Total domestic deposits to total assets90.8539%551
Equity capital to assets8.6166%3,970
Core capital (leverage) ratio9.1068%3,286
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$187,558,6003,149
Average earning assets$176,190,6003,123
Average equity$15,589,6003,578
Average total loans$127,806,6002,883
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2256%215
Cost of funding earning assets0.3826%1,838
Net interest margin4.8430%186
Noninterest income to average assets0.4601%2,796
Noninterest expense to average assets2.7820%1,386
Loan and lease loss provision to assets0.0645%1,707
Net operating income to assets1.7125%809
Return on assets (ROA)1.7221%820
Pretax return on assets2.1707%581
Return on Equity (ROE)20.9181%366
Retained earnings to average equity (ytd only)19.8735%134
Net charge-offs to loans0.0073%2,046
Credit loss provision to net charge-offs1,285.7143%448
Earnings coverage of net charge-offs (x)443.1429%333
Efficiency ratio55.5842%3,580
Assets per employee ($millions)5.6401%3,054
Cash dividends to net income (ytd only)*4.9938%3,125
Condition Ratios (%)
Loss allowance to loans1.1309%3,288
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets68.8604%1,213
Net loans and leases to deposits77.8267%1,499
Net loans and leases to core deposits79.5784%1,774
Total domestic deposits to total assets88.4791%1,575
Equity capital to assets8.8764%3,941
Core capital (leverage) ratio8.7535%3,797
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$186,047,7503,193
Average earning assets$174,597,2503,173
Average equity$15,316,5003,646
Average total loans$127,305,5002,920
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2124%249
Cost of funding earning assets0.3998%1,890
Net interest margin4.8126%220
Noninterest income to average assets0.4322%2,945
Noninterest expense to average assets2.6749%1,652
Loan and lease loss provision to assets0.0645%1,752
Net operating income to assets1.7574%784
Return on assets (ROA)1.7256%879
Pretax return on assets2.1696%608
Return on Equity (ROE)21.5220%348
Retained earnings to average equity (ytd only)20.7174%142
Net charge-offs to loans0.0111%1,741
Credit loss provision to net charge-offs857.1429%513
Earnings coverage of net charge-offs (x)302.1429%371
Efficiency ratio54.0517%3,798
Assets per employee ($millions)6.0501%2,564
Cash dividends to net income (ytd only)*3.7383%3,026
Condition Ratios (%)
Loss allowance to loans1.0546%3,601
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets69.5909%1,248
Net loans and leases to deposits82.5238%1,171
Net loans and leases to core deposits84.1389%1,551
Total domestic deposits to total assets84.3282%3,334
Equity capital to assets8.0990%4,479
Core capital (leverage) ratio8.3017%4,174
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$186,022,6673,203
Average earning assets$174,583,3333,180
Average equity$14,915,0003,688
Average total loans$126,530,3332,940
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6254%630
Cost of funding earning assets0.4241%1,906
Net interest margin4.2013%596
Noninterest income to average assets0.4566%2,803
Noninterest expense to average assets2.6823%1,662
Loan and lease loss provision to assets0.0658%1,827
Net operating income to assets1.3082%1,803
Return on assets (ROA)1.2731%1,989
Pretax return on assets1.6002%1,724
Return on Equity (ROE)15.9642%1,021
Retained earnings to average equity (ytd only)15.1385%615
Net charge-offs to loans0.0066%1,663
Credit loss provision to net charge-offs1,500.0000%302
Earnings coverage of net charge-offs (x)389.5000%235
Efficiency ratio61.0695%2,900
Assets per employee ($millions)5.8094%2,785
Cash dividends to net income (ytd only)*5.1724%2,337
Condition Ratios (%)
Loss allowance to loans1.1151%3,355
Loan loss allowance to noncurrent loans1,068.9394%627
Noncurrent assets plus other real estate owned to assets0.0710%3,865
Noncurrent loans to loans0.1043%3,786
Net loans and leases to total assets67.3068%1,621
Net loans and leases to deposits75.4555%1,972
Net loans and leases to core deposits76.8584%2,281
Total domestic deposits to total assets89.2007%1,240
Equity capital to assets7.7439%4,616
Core capital (leverage) ratio8.2829%4,318
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$182,232,5003,234
Average earning assets$170,710,0003,203
Average equity$14,532,5003,741
Average total loans$121,712,5003,000
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0423%452
Cost of funding earning assets0.7389%1,514
Net interest margin4.3034%508
Noninterest income to average assets0.6075%2,191
Noninterest expense to average assets3.1480%1,148
Loan and lease loss provision to assets0.0569%3,656
Net operating income to assets1.1238%1,822
Return on assets (ROA)1.1182%1,964
Pretax return on assets1.4014%1,652
Return on Equity (ROE)12.9624%1,049
Retained earnings to average equity (ytd only)12.0098%311
Net charge-offs to loans0.0072%3,080
Credit loss provision to net charge-offs1,125.0000%714
Earnings coverage of net charge-offs (x)289.7500%353
Efficiency ratio68.2379%2,204
Assets per employee ($millions)5.9521%2,381
Cash dividends to net income (ytd only)*7.3488%3,610
Condition Ratios (%)
Loss allowance to loans1.1832%3,038
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets64.6866%2,277
Net loans and leases to deposits73.3001%2,564
Net loans and leases to core deposits74.5846%2,855
Total domestic deposits to total assets88.2490%1,350
Equity capital to assets8.2150%4,615
Core capital (leverage) ratio8.4126%4,291
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$158,195,0003,309
Average earning assets$147,255,4003,296
Average equity$13,647,2003,804
Average total loans$110,734,6003,090
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1761%435
Cost of funding earning assets0.8191%1,403
Net interest margin4.3569%514
Noninterest income to average assets0.6418%2,015
Noninterest expense to average assets3.1281%1,186
Loan and lease loss provision to assets0.0784%3,336
Net operating income to assets1.1898%1,670
Return on assets (ROA)1.1800%1,830
Pretax return on assets1.4761%1,499
Return on Equity (ROE)13.4906%980
Retained earnings to average equity (ytd only)13.1919%315
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6296%2,381
Assets per employee ($millions)5.4871%2,722
Cash dividends to net income (ytd only)*2.2140%3,310
Condition Ratios (%)
Loss allowance to loans1.2632%2,336
Loan loss allowance to noncurrent loans23,183.3333%40
Noncurrent assets plus other real estate owned to assets0.0036%4,515
Noncurrent loans to loans0.0054%4,434
Net loans and leases to total assets66.0511%2,513
Net loans and leases to deposits74.4264%2,916
Net loans and leases to core deposits75.6858%3,198
Total domestic deposits to total assets88.7469%878
Equity capital to assets8.6938%4,338
Core capital (leverage) ratio8.4892%4,307
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3933%2,822
Memoranda:
Average total assets$153,102,7503,347
Average earning assets$142,421,2503,339
Average equity$13,391,7503,831
Average total loans$109,195,7503,115
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4456%371
Cost of funding earning assets0.9143%1,306
Net interest margin4.5313%472
Noninterest income to average assets0.7155%1,687
Noninterest expense to average assets3.2184%1,129
Loan and lease loss provision to assets0.0804%3,283
Net operating income to assets1.2959%1,367
Return on assets (ROA)1.2756%1,537
Pretax return on assets1.5945%1,238
Return on Equity (ROE)14.5506%785
Retained earnings to average equity (ytd only)14.0921%272
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4318%2,599
Assets per employee ($millions)5.3827%2,753
Cash dividends to net income (ytd only)*3.1513%3,153
Condition Ratios (%)
Loss allowance to loans1.2005%2,514
Loan loss allowance to noncurrent loans297.1616%1,561
Noncurrent assets plus other real estate owned to assets0.2836%3,188
Noncurrent loans to loans0.4040%2,960
Net loans and leases to total assets69.3630%2,133
Net loans and leases to deposits77.8969%2,668
Net loans and leases to core deposits78.4573%3,070
Total domestic deposits to total assets89.0445%726
Equity capital to assets8.6307%4,402
Core capital (leverage) ratio8.6003%4,300
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8915%2,995
Memoranda:
Average total assets$149,266,3333,371
Average earning assets$138,460,0003,367
Average equity$13,085,3333,862
Average total loans$108,888,0003,118
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3418%504
Cost of funding earning assets1.1059%1,027
Net interest margin4.2359%854
Noninterest income to average assets0.5644%2,210
Noninterest expense to average assets3.3110%1,205
Loan and lease loss provision to assets0.0838%2,647
Net operating income to assets0.8824%2,576
Return on assets (ROA)0.7907%3,026
Pretax return on assets0.9640%2,953
Return on Equity (ROE)8.9419%2,135
Retained earnings to average equity (ytd only)7.9940%1,236
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0625%1,804
Assets per employee ($millions)4.7575%2,922
Cash dividends to net income (ytd only)*10.6007%2,482
Condition Ratios (%)
Loss allowance to loans1.2538%2,370
Loan loss allowance to noncurrent loans281.3953%1,605
Noncurrent assets plus other real estate owned to assets0.3314%3,117
Noncurrent loans to loans0.4456%2,917
Net loans and leases to total assets73.4482%1,702
Net loans and leases to deposits84.3192%2,188
Net loans and leases to core deposits85.8811%2,691
Total domestic deposits to total assets87.1074%1,516
Equity capital to assets8.8667%4,665
Core capital (leverage) ratio9.0123%4,451
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3542%2,988
Memoranda:
Average total assets$143,159,0003,425
Average earning assets$132,015,5003,421
Average equity$12,659,5003,922
Average total loans$106,647,5003,129
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3842%688
Cost of funding earning assets1.2265%957
Net interest margin4.1577%1,404
Noninterest income to average assets0.6469%2,018
Noninterest expense to average assets3.1443%1,656
Loan and lease loss provision to assets0.1015%2,028
Net operating income to assets1.0006%2,849
Return on assets (ROA)1.0223%2,850
Pretax return on assets1.2810%2,568
Return on Equity (ROE)11.3836%1,735
Retained earnings to average equity (ytd only)10.3784%422
Net charge-offs to loans0.0166%3,126
Credit loss provision to net charge-offs794.1176%416
Earnings coverage of net charge-offs (x)106.0000%651
Efficiency ratio69.8763%2,191
Assets per employee ($millions)5.1283%2,422
Cash dividends to net income (ytd only)*8.8300%3,782
Condition Ratios (%)
Loss allowance to loans1.2144%2,349
Loan loss allowance to noncurrent loans16,262.5000%56
Noncurrent assets plus other real estate owned to assets0.0056%4,651
Noncurrent loans to loans0.0075%4,565
Net loans and leases to total assets73.7041%1,801
Net loans and leases to deposits86.9402%1,978
Net loans and leases to core deposits87.9517%2,610
Total domestic deposits to total assets84.7757%2,584
Equity capital to assets8.8194%4,780
Core capital (leverage) ratio8.9909%4,535
Tier 1 risk-based capital ratio10.9165%4,883
Total risk-based capital ratio12.0805%4,823
Memoranda:
Average total assets$132,940,4003,524
Average earning assets$123,193,0003,517
Average equity$11,938,2004,002
Average total loans$102,709,8003,193
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4036%687
Cost of funding earning assets1.2453%926
Net interest margin4.1583%1,475
Noninterest income to average assets0.6386%2,036
Noninterest expense to average assets3.1737%1,519
Loan and lease loss provision to assets0.1382%1,399
Net operating income to assets0.9518%3,161
Return on assets (ROA)0.9845%3,115
Pretax return on assets1.2261%2,896
Return on Equity (ROE)10.9097%2,054
Retained earnings to average equity (ytd only)9.8891%780
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5735%2,041
Assets per employee ($millions)4.9099%2,653
Cash dividends to net income (ytd only)*9.3558%3,374
Condition Ratios (%)
Loss allowance to loans1.2610%2,169
Loan loss allowance to noncurrent loans10,138.4615%82
Noncurrent assets plus other real estate owned to assets0.0095%4,716
Noncurrent loans to loans0.0124%4,624
Net loans and leases to total assets75.0707%1,637
Net loans and leases to deposits86.8254%2,086
Net loans and leases to core deposits87.8550%2,751
Total domestic deposits to total assets86.4617%1,788
Equity capital to assets8.9673%4,799
Core capital (leverage) ratio9.1693%4,504
Tier 1 risk-based capital ratio10.9447%4,938
Total risk-based capital ratio12.1657%4,834
Memoranda:
Average total assets$130,277,2503,595
Average earning assets$120,878,7503,591
Average equity$11,756,7504,067
Average total loans$101,603,5003,246
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4189%655
Cost of funding earning assets1.2290%922
Net interest margin4.1899%1,393
Noninterest income to average assets0.6365%1,989
Noninterest expense to average assets3.2359%1,436
Loan and lease loss provision to assets0.1408%1,317
Net operating income to assets0.9400%3,131
Return on assets (ROA)0.9838%3,046
Pretax return on assets1.2230%2,833
Return on Equity (ROE)10.8764%2,028
Retained earnings to average equity (ytd only)9.8389%807
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1975%2,036
Assets per employee ($millions)4.4862%3,163
Cash dividends to net income (ytd only)*9.5390%3,288
Condition Ratios (%)
Loss allowance to loans1.2525%2,235
Loan loss allowance to noncurrent loans2,086.8852%321
Noncurrent assets plus other real estate owned to assets0.0469%4,535
Noncurrent loans to loans0.0600%4,414
Net loans and leases to total assets77.1422%1,367
Net loans and leases to deposits89.9495%1,749
Net loans and leases to core deposits90.7818%2,532
Total domestic deposits to total assets85.7617%2,150
Equity capital to assets9.2467%4,616
Core capital (leverage) ratio9.1435%4,513
Tier 1 risk-based capital ratio10.9650%4,925
Total risk-based capital ratio12.1453%4,873
Memoranda:
Average total assets$127,877,3303,648
Average earning assets$119,287,0003,631
Average equity$11,566,3304,103
Average total loans$100,630,3303,280
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2815%782
Cost of funding earning assets1.2037%895
Net interest margin4.0778%1,614
Noninterest income to average assets0.4796%2,679
Noninterest expense to average assets3.2091%1,478
Loan and lease loss provision to assets0.1420%1,206
Net operating income to assets0.7510%3,767
Return on assets (ROA)0.7510%3,815
Pretax return on assets0.9340%3,658
Return on Equity (ROE)8.3991%3,079
Retained earnings to average equity (ytd only)7.3404%1,905
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8895%1,625
Assets per employee ($millions)4.5140%3,168
Cash dividends to net income (ytd only)*12.6050%2,604
Condition Ratios (%)
Loss allowance to loans1.2325%2,416
Loan loss allowance to noncurrent loans2,154.3860%301
Noncurrent assets plus other real estate owned to assets0.0451%4,603
Noncurrent loans to loans0.0572%4,510
Net loans and leases to total assets77.8592%1,181
Net loans and leases to deposits88.4192%1,820
Net loans and leases to core deposits89.2370%2,583
Total domestic deposits to total assets88.0569%1,308
Equity capital to assets9.1027%4,614
Core capital (leverage) ratio9.1026%4,569
Tier 1 risk-based capital ratio11.0099%4,968
Total risk-based capital ratio12.1864%4,912
Memoranda:
Average total assets$126,766,0003,700
Average earning assets$118,299,0003,682
Average equity$11,334,5004,147
Average total loans$100,128,0003,325
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2200%675
Cost of funding earning assets0.8743%1,194
Net interest margin4.3457%1,052
Noninterest income to average assets0.5832%2,384
Noninterest expense to average assets3.2369%1,460
Loan and lease loss provision to assets0.1440%1,492
Net operating income to assets1.0085%2,967
Return on assets (ROA)1.0085%2,954
Pretax return on assets1.2462%2,710
Return on Equity (ROE)11.5713%1,878
Retained earnings to average equity (ytd only)10.7218%482
Net charge-offs to loans0.0221%2,982
Credit loss provision to net charge-offs833.3333%431
Earnings coverage of net charge-offs (x)80.4762%858
Efficiency ratio69.9556%2,193
Assets per employee ($millions)4.5408%3,104
Cash dividends to net income (ytd only)*7.3409%3,893
Condition Ratios (%)
Loss allowance to loans1.1757%2,689
Loan loss allowance to noncurrent loans406.5292%1,291
Noncurrent assets plus other real estate owned to assets0.2289%3,689
Noncurrent loans to loans0.2892%3,530
Net loans and leases to total assets78.2108%1,242
Net loans and leases to deposits94.2371%1,250
Net loans and leases to core deposits95.1532%2,119
Total domestic deposits to total assets82.9937%3,332
Equity capital to assets8.7808%4,747
Core capital (leverage) ratio8.9274%4,715
Tier 1 risk-based capital ratio10.8065%5,064
Total risk-based capital ratio11.9394%5,009
Memoranda:
Average total assets$121,565,2003,764
Average earning assets$113,123,4003,756
Average equity$10,595,2004,216
Average total loans$95,114,4003,386
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1480%692
Cost of funding earning assets0.7734%1,458
Net interest margin4.3746%953
Noninterest income to average assets0.5958%2,331
Noninterest expense to average assets3.2431%1,422
Loan and lease loss provision to assets0.1054%1,907
Net operating income to assets1.0696%2,786
Return on assets (ROA)1.0696%2,797
Pretax return on assets1.3203%2,542
Return on Equity (ROE)12.2960%1,682
Retained earnings to average equity (ytd only)11.1480%612
Net charge-offs to loans0.0057%3,234
Credit loss provision to net charge-offs2,375.0000%177
Earnings coverage of net charge-offs (x)321.4428%293
Efficiency ratio69.4629%2,275
Assets per employee ($millions)4.5071%3,116
Cash dividends to net income (ytd only)*9.3363%3,398
Condition Ratios (%)
Loss allowance to loans1.1306%3,019
Loan loss allowance to noncurrent loans191.7808%2,298
Noncurrent assets plus other real estate owned to assets0.4628%2,838
Noncurrent loans to loans0.5895%2,610
Net loans and leases to total assets77.6098%1,397
Net loans and leases to deposits96.5345%1,089
Net loans and leases to core deposits97.7582%1,957
Total domestic deposits to total assets80.3959%4,021
Equity capital to assets8.5104%4,915
Core capital (leverage) ratio8.8735%4,827
Tier 1 risk-based capital ratio10.7638%5,145
Total risk-based capital ratio11.8575%5,120
Memoranda:
Average total assets$120,171,2503,824
Average earning assets$111,885,0003,819
Average equity$10,453,0004,282
Average total loans$93,737,7503,432
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0614%715
Cost of funding earning assets0.6895%1,685
Net interest margin4.3719%901
Noninterest income to average assets0.6347%2,157
Noninterest expense to average assets3.2785%1,374
Loan and lease loss provision to assets0.1016%1,916
Net operating income to assets1.0731%2,700
Return on assets (ROA)1.0731%2,702
Pretax return on assets1.3219%2,427
Return on Equity (ROE)12.2425%1,643
Retained earnings to average equity (ytd only)11.0839%652
Net charge-offs to loans0.0065%2,907
Credit loss provision to net charge-offs2,000.0000%212
Earnings coverage of net charge-offs (x)280.3333%318
Efficiency ratio69.7264%2,361
Assets per employee ($millions)4.1256%3,687
Cash dividends to net income (ytd only)*9.4637%3,313
Condition Ratios (%)
Loss allowance to loans1.1300%3,093
Loan loss allowance to noncurrent loans450.6224%1,190
Noncurrent assets plus other real estate owned to assets0.1947%4,016
Noncurrent loans to loans0.2508%3,800
Net loans and leases to total assets76.7721%1,513
Net loans and leases to deposits92.0032%1,578
Net loans and leases to core deposits108.5670%1,083
Total domestic deposits to total assets83.4450%3,266
Equity capital to assets8.5466%4,911
Core capital (leverage) ratio9.0606%4,632
Tier 1 risk-based capital ratio9.6958%5,479
Total risk-based capital ratio10.6778%5,488
Memoranda:
Average total assets$118,162,3303,888
Average earning assets$109,929,6703,874
Average equity$10,357,3304,330
Average total loans$91,963,0003,483
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0666%615
Cost of funding earning assets0.6016%2,047
Net interest margin4.4650%662
Noninterest income to average assets0.6345%2,105
Noninterest expense to average assets3.4120%1,145
Loan and lease loss provision to assets0.1040%1,784
Net operating income to assets1.0229%2,764
Return on assets (ROA)1.0229%2,786
Pretax return on assets1.2621%2,502
Return on Equity (ROE)11.5156%1,762
Retained earnings to average equity (ytd only)10.3445%1,056
Net charge-offs to loans-0.0356%4,819
Credit loss provision to net charge-offs-375.0000%3,931
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4078%2,278
Assets per employee ($millions)4.1445%3,737
Cash dividends to net income (ytd only)*10.1695%2,587
Condition Ratios (%)
Loss allowance to loans1.1795%2,938
Loan loss allowance to noncurrent loans430.2419%1,249
Noncurrent assets plus other real estate owned to assets0.2137%4,024
Noncurrent loans to loans0.2741%3,789
Net loans and leases to total assets77.0358%1,385
Net loans and leases to deposits87.3504%2,009
Net loans and leases to core deposits100.5364%1,646
Total domestic deposits to total assets88.1918%1,510
Equity capital to assets8.8542%4,702
Core capital (leverage) ratio9.1122%4,554
Tier 1 risk-based capital ratio10.9244%5,170
Total risk-based capital ratio12.0439%5,141
Memoranda:
Average total assets$115,359,0003,976
Average earning assets$107,054,0003,970
Average equity$10,247,0004,394
Average total loans$89,891,5003,544
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8814%833
Cost of funding earning assets0.4934%2,393
Net interest margin4.3881%788
Noninterest income to average assets0.6446%2,230
Noninterest expense to average assets3.5807%921
Loan and lease loss provision to assets0.1099%2,051
Net operating income to assets0.9030%2,696
Return on assets (ROA)0.9046%2,710
Pretax return on assets1.0355%3,433
Return on Equity (ROE)10.2108%1,805
Retained earnings to average equity (ytd only)8.9706%515
Net charge-offs to loans-0.0012%4,499
Credit loss provision to net charge-offs-12,000.0000%5,273
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7946%1,652
Assets per employee ($millions)4.0954%3,819
Cash dividends to net income (ytd only)*12.1457%3,888
Condition Ratios (%)
Loss allowance to loans1.1521%3,043
Loan loss allowance to noncurrent loans2,940.0000%266
Noncurrent assets plus other real estate owned to assets0.0305%4,988
Noncurrent loans to loans0.0392%4,832
Net loans and leases to total assets76.9935%1,431
Net loans and leases to deposits85.6536%2,305
Net loans and leases to core deposits105.2738%1,318
Total domestic deposits to total assets89.8894%607
Equity capital to assets8.9115%4,808
Core capital (leverage) ratio8.9713%4,684
Tier 1 risk-based capital ratio10.9653%5,169
Total risk-based capital ratio12.0773%5,131
Memoranda:
Average total assets$109,223,0004,078
Average earning assets$101,548,2004,071
Average equity$9,676,0004,499
Average total loans$84,033,6003,659
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8666%811
Cost of funding earning assets0.4558%2,655
Net interest margin4.4107%715
Noninterest income to average assets0.5797%2,585
Noninterest expense to average assets3.5959%875
Loan and lease loss provision to assets0.1113%1,924
Net operating income to assets0.7213%3,867
Return on assets (ROA)0.7231%3,921
Pretax return on assets0.9778%3,773
Return on Equity (ROE)8.1757%3,031
Retained earnings to average equity (ytd only)6.7781%1,807
Net charge-offs to loans-0.0016%4,300
Credit loss provision to net charge-offs-9,000.0000%5,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7951%1,486
Assets per employee ($millions)3.7561%4,363
Cash dividends to net income (ytd only)*17.0940%3,252
Condition Ratios (%)
Loss allowance to loans1.1408%3,248
Loan loss allowance to noncurrent loans2,436.5854%293
Noncurrent assets plus other real estate owned to assets0.0364%5,051
Noncurrent loans to loans0.0468%4,903
Net loans and leases to total assets76.8304%1,447
Net loans and leases to deposits94.3308%1,263
Net loans and leases to core deposits110.0974%1,022
Total domestic deposits to total assets81.4478%3,932
Equity capital to assets8.7716%5,103
Core capital (leverage) ratio8.7361%5,023
Tier 1 risk-based capital ratio10.7078%5,369
Total risk-based capital ratio11.8033%5,364
Memoranda:
Average total assets$107,860,7504,142
Average earning assets$100,328,5004,129
Average equity$9,540,2504,567
Average total loans$82,712,2503,709
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7644%937
Cost of funding earning assets0.4051%3,020
Net interest margin4.3593%753
Noninterest income to average assets0.5835%2,541
Noninterest expense to average assets3.6723%803
Loan and lease loss provision to assets0.1129%1,813
Net operating income to assets0.6661%3,997
Return on assets (ROA)0.6852%3,977
Pretax return on assets0.8734%4,020
Return on Equity (ROE)7.7236%3,180
Retained earnings to average equity (ytd only)6.6627%1,760
Net charge-offs to loans-0.0025%4,199
Credit loss provision to net charge-offs-6,000.0000%5,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2445%1,300
Assets per employee ($millions)3.6393%4,521
Cash dividends to net income (ytd only)*13.7363%3,296
Condition Ratios (%)
Loss allowance to loans1.1487%3,323
Loan loss allowance to noncurrent loans2,307.1429%296
Noncurrent assets plus other real estate owned to assets0.0385%5,096
Noncurrent loans to loans0.0498%4,941
Net loans and leases to total assets76.3746%1,487
Net loans and leases to deposits91.7700%1,530
Net loans and leases to core deposits104.1310%1,344
Total domestic deposits to total assets83.2239%3,495
Equity capital to assets8.9037%4,983
Core capital (leverage) ratio8.9277%4,805
Tier 1 risk-based capital ratio11.3640%5,044
Total risk-based capital ratio12.5118%4,995
Memoranda:
Average total assets$106,253,6704,201
Average earning assets$98,732,3304,188
Average equity$9,425,6704,603
Average total loans$81,092,0003,766
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7060%931
Cost of funding earning assets0.3294%3,749
Net interest margin4.3766%664
Noninterest income to average assets0.6069%2,383
Noninterest expense to average assets3.5652%952
Loan and lease loss provision to assets0.1145%1,673
Net operating income to assets0.7596%3,432
Return on assets (ROA)0.7596%3,486
Pretax return on assets0.9848%3,428
Return on Equity (ROE)8.5794%2,624
Retained earnings to average equity (ytd only)6.4238%2,125
Net charge-offs to loans-0.0050%4,186
Credit loss provision to net charge-offs-3,000.0000%4,640
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4321%1,846
Assets per employee ($millions)3.4769%4,824
Cash dividends to net income (ytd only)*25.1256%2,415
Condition Ratios (%)
Loss allowance to loans1.1903%3,193
Loan loss allowance to noncurrent loans845.9459%677
Noncurrent assets plus other real estate owned to assets0.1064%4,847
Noncurrent loans to loans0.1407%4,630
Net loans and leases to total assets74.7292%1,624
Net loans and leases to deposits87.2427%1,885
Net loans and leases to core deposits98.2022%1,641
Total domestic deposits to total assets85.6566%2,814
Equity capital to assets8.9784%4,827
Core capital (leverage) ratio9.0823%4,644
Tier 1 risk-based capital ratio11.2451%5,177
Total risk-based capital ratio12.3651%5,145
Memoranda:
Average total assets$104,791,0004,271
Average earning assets$97,152,5004,253
Average equity$9,278,0004,661
Average total loans$79,461,0003,822
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6906%1,076
Cost of funding earning assets0.3175%3,875
Net interest margin4.3731%816
Noninterest income to average assets0.6268%2,521
Noninterest expense to average assets3.6076%1,005
Loan and lease loss provision to assets0.1429%1,751
Net operating income to assets0.6799%3,871
Return on assets (ROA)0.7992%3,412
Pretax return on assets1.0631%3,245
Return on Equity (ROE)9.3175%2,266
Retained earnings to average equity (ytd only)8.6511%657
Net charge-offs to loans-0.0189%5,109
Credit loss provision to net charge-offs-1,071.4286%5,304
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5072%1,771
Assets per employee ($millions)3.2899%5,058
Cash dividends to net income (ytd only)*7.1514%4,081
Condition Ratios (%)
Loss allowance to loans1.1345%3,519
Loan loss allowance to noncurrent loans2,214.6341%313
Noncurrent assets plus other real estate owned to assets0.0389%5,207
Noncurrent loans to loans0.0512%5,041
Net loans and leases to total assets75.1624%1,665
Net loans and leases to deposits85.3952%2,253
Net loans and leases to core deposits99.0809%1,701
Total domestic deposits to total assets88.0172%1,619
Equity capital to assets8.7304%5,077
Core capital (leverage) ratio8.8804%4,877
Tier 1 risk-based capital ratio10.7853%5,443
Total risk-based capital ratio11.8407%5,458
Memoranda:
Average total assets$104,973,6004,257
Average earning assets$96,682,6004,259
Average equity$9,004,6004,767
Average total loans$74,175,2003,937
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6704%1,134
Cost of funding earning assets0.3138%3,933
Net interest margin4.3566%838
Noninterest income to average assets0.5529%2,903
Noninterest expense to average assets3.4827%1,180
Loan and lease loss provision to assets0.1525%1,532
Net operating income to assets0.7052%3,816
Return on assets (ROA)0.8935%3,072
Pretax return on assets1.1719%2,960
Return on Equity (ROE)10.4634%1,883
Retained earnings to average equity (ytd only)9.5703%668
Net charge-offs to loans-0.0257%5,099
Credit loss provision to net charge-offs-857.1429%5,186
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3870%1,921
Assets per employee ($millions)3.2428%5,118
Cash dividends to net income (ytd only)*8.5351%3,583
Condition Ratios (%)
Loss allowance to loans1.1427%3,594
Loan loss allowance to noncurrent loans1,791.8367%353
Noncurrent assets plus other real estate owned to assets0.0472%5,278
Noncurrent loans to loans0.0638%5,099
Net loans and leases to total assets73.1982%1,995
Net loans and leases to deposits84.0158%2,480
Net loans and leases to core deposits94.8490%2,119
Total domestic deposits to total assets87.1243%1,839
Equity capital to assets9.0567%5,119
Core capital (leverage) ratio8.8673%4,983
Tier 1 risk-based capital ratio11.1117%5,309
Total risk-based capital ratio12.1786%5,326
Memoranda:
Average total assets$104,898,0004,298
Average earning assets$96,464,2504,296
Average equity$8,958,0004,814
Average total loans$72,710,0003,999
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6670%1,124
Cost of funding earning assets0.3049%4,066
Net interest margin4.3620%830
Noninterest income to average assets0.5471%2,915
Noninterest expense to average assets3.4842%1,189
Loan and lease loss provision to assets0.1710%1,293
Net operating income to assets0.6793%3,899
Return on assets (ROA)0.9119%2,938
Pretax return on assets1.1893%2,822
Return on Equity (ROE)10.8951%1,687
Retained earnings to average equity (ytd only)10.8951%450
Net charge-offs to loans-0.0421%5,295
Credit loss provision to net charge-offs-600.0000%4,973
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7043%1,978
Assets per employee ($millions)3.3789%4,955
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.1707%3,522
Loan loss allowance to noncurrent loans1,698.0000%363
Noncurrent assets plus other real estate owned to assets0.0477%5,375
Noncurrent loans to loans0.0689%5,173
Net loans and leases to total assets68.4233%2,722
Net loans and leases to deposits77.2389%3,239
Net loans and leases to core deposits85.5914%2,939
Total domestic deposits to total assets88.5866%1,121
Equity capital to assets8.8749%5,334
Core capital (leverage) ratio8.6214%5,241
Tier 1 risk-based capital ratio11.3685%5,237
Total risk-based capital ratio12.4433%5,237
Memoranda:
Average total assets$105,274,3304,329
Average earning assets$96,422,6704,338
Average equity$8,811,3304,871
Average total loans$71,335,0004,060
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6267%1,193
Cost of funding earning assets0.3038%4,117
Net interest margin4.3229%886
Noninterest income to average assets0.5306%2,929
Noninterest expense to average assets3.4755%1,229
Loan and lease loss provision to assets0.2274%816
Net operating income to assets0.5897%4,228
Return on assets (ROA)0.6443%4,125
Pretax return on assets0.8945%3,864
Return on Equity (ROE)7.9356%2,953
Retained earnings to average equity (ytd only)7.9356%1,484
Net charge-offs to loans-0.0848%5,572
Credit loss provision to net charge-offs-400.0000%4,493
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8650%2,063
Assets per employee ($millions)3.4592%4,869
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1677%3,678
Loan loss allowance to noncurrent loans390.0000%1,291
Noncurrent assets plus other real estate owned to assets0.2024%4,748
Noncurrent loans to loans0.2994%4,357
Net loans and leases to total assets66.7948%2,843
Net loans and leases to deposits73.5131%3,501
Net loans and leases to core deposits81.1608%3,221
Total domestic deposits to total assets90.8611%309
Equity capital to assets8.3526%5,659
Core capital (leverage) ratio8.1570%5,679
Tier 1 risk-based capital ratio11.2640%5,362
Total risk-based capital ratio12.3279%5,373
Memoranda:
Average total assets$105,539,0004,354
Average earning assets$97,433,5004,351
Average equity$8,569,0004,939
Average total loans$70,743,0004,097
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4184%1,844
Cost of funding earning assets0.3028%4,214
Net interest margin4.1156%1,376
Noninterest income to average assets0.7038%2,181
Noninterest expense to average assets3.5238%1,253
Loan and lease loss provision to assets0.0240%3,905
Net operating income to assets0.7690%3,471
Return on assets (ROA)0.8073%3,388
Pretax return on assets1.0097%3,431
Return on Equity (ROE)10.3687%1,857
Retained earnings to average equity (ytd only)8.8910%678
Net charge-offs to loans0.0784%2,694
Credit loss provision to net charge-offs48.0769%3,432
Earnings coverage of net charge-offs (x)19.7692%1,923
Efficiency ratio78.1416%1,945
Assets per employee ($millions)3.3532%5,063
Cash dividends to net income (ytd only)*14.2518%3,975
Condition Ratios (%)
Loss allowance to loans1.0427%4,365
Loan loss allowance to noncurrent loans254.7945%1,896
Noncurrent assets plus other real estate owned to assets0.2721%4,501
Noncurrent loans to loans0.4093%3,985
Net loans and leases to total assets65.8012%3,011
Net loans and leases to deposits74.6222%3,420
Net loans and leases to core deposits81.3686%3,212
Total domestic deposits to total assets88.1792%1,541
Equity capital to assets7.8936%5,889
Core capital (leverage) ratio7.8979%5,879
Tier 1 risk-based capital ratio11.4086%5,309
Total risk-based capital ratio12.4072%5,341
Memoranda:
Average total assets$104,292,0004,375
Average earning assets$96,438,2004,384
Average equity$8,120,6005,041
Average total loans$66,333,8004,185
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4181%1,864
Cost of funding earning assets0.3037%4,298
Net interest margin4.1144%1,376
Noninterest income to average assets0.5975%2,758
Noninterest expense to average assets3.5412%1,210
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.6806%3,990
Return on assets (ROA)0.7314%3,870
Pretax return on assets0.9233%3,908
Return on Equity (ROE)9.4272%2,335
Retained earnings to average equity (ytd only)8.4315%1,076
Net charge-offs to loans-0.0041%4,800
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4800%1,586
Assets per employee ($millions)3.5362%4,733
Cash dividends to net income (ytd only)*10.5637%3,565
Condition Ratios (%)
Loss allowance to loans1.1304%4,055
Loan loss allowance to noncurrent loans1,153.7313%504
Noncurrent assets plus other real estate owned to assets0.0632%5,520
Noncurrent loans to loans0.0980%5,241
Net loans and leases to total assets63.7300%3,347
Net loans and leases to deposits72.4009%3,719
Net loans and leases to core deposits78.4061%3,570
Total domestic deposits to total assets88.0238%1,539
Equity capital to assets7.8201%6,015
Core capital (leverage) ratio7.8584%5,962
Tier 1 risk-based capital ratio10.8158%5,750
Total risk-based capital ratio11.8249%5,782
Memoranda:
Average total assets$103,539,5004,439
Average earning assets$95,694,2504,443
Average equity$8,033,2505,123
Average total loans$65,079,7504,273
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3745%1,936
Cost of funding earning assets0.3055%4,338
Net interest margin4.0689%1,450
Noninterest income to average assets0.5297%3,171
Noninterest expense to average assets3.4511%1,378
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.6670%4,047
Return on assets (ROA)0.7440%3,769
Pretax return on assets0.9368%3,820
Return on Equity (ROE)9.6153%2,250
Retained earnings to average equity (ytd only)8.1050%1,221
Net charge-offs to loans-0.0031%4,649
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4358%1,697
Assets per employee ($millions)3.3641%5,049
Cash dividends to net income (ytd only)*15.7068%3,320
Condition Ratios (%)
Loss allowance to loans1.1986%3,799
Loan loss allowance to noncurrent loans1,087.3239%526
Noncurrent assets plus other real estate owned to assets0.0681%5,596
Noncurrent loans to loans0.1102%5,311
Net loans and leases to total assets61.0191%3,690
Net loans and leases to deposits66.6391%4,273
Net loans and leases to core deposits72.0603%4,129
Total domestic deposits to total assets91.5665%173
Equity capital to assets7.7268%6,070
Core capital (leverage) ratio7.7750%6,025
Tier 1 risk-based capital ratio10.9808%5,716
Total risk-based capital ratio12.0274%5,753
Memoranda:
Average total assets$102,691,0004,501
Average earning assets$94,914,3304,496
Average equity$7,945,6705,179
Average total loans$63,979,3304,338
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3936%1,789
Cost of funding earning assets0.3023%4,416
Net interest margin4.0913%1,298
Noninterest income to average assets0.5025%3,268
Noninterest expense to average assets3.3368%1,634
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7056%3,771
Return on assets (ROA)0.7851%3,471
Pretax return on assets1.0442%3,318
Return on Equity (ROE)10.1401%1,935
Retained earnings to average equity (ytd only)10.1401%886
Net charge-offs to loans-0.0063%4,560
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0533%2,178
Assets per employee ($millions)3.4518%4,982
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2515%3,677
Loan loss allowance to noncurrent loans265.2921%1,767
Noncurrent assets plus other real estate owned to assets0.2810%4,830
Noncurrent loans to loans0.4717%4,167
Net loans and leases to total assets58.8248%3,826
Net loans and leases to deposits64.3198%4,341
Net loans and leases to core deposits68.2593%4,306
Total domestic deposits to total assets91.4567%237
Equity capital to assets7.7205%6,119
Core capital (leverage) ratio7.6410%6,097
Tier 1 risk-based capital ratio11.0168%5,803
Total risk-based capital ratio12.0827%5,811
Memoranda:
Average total assets$101,893,0004,557
Average earning assets$93,955,0004,551
Average equity$7,889,5005,238
Average total loans$63,765,5004,372
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4332%2,120
Cost of funding earning assets0.3335%4,449
Net interest margin4.0997%1,581
Noninterest income to average assets0.4879%3,599
Noninterest expense to average assets3.6672%1,199
Loan and lease loss provision to assets0.0512%3,540
Net operating income to assets0.4190%5,156
Return on assets (ROA)0.4428%5,139
Pretax return on assets0.5135%5,217
Return on Equity (ROE)5.6111%4,357
Retained earnings to average equity (ytd only)4.0525%3,326
Net charge-offs to loans-0.0723%6,030
Credit loss provision to net charge-offs-111.1111%5,539
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.2257%1,053
Assets per employee ($millions)3.2333%5,384
Cash dividends to net income (ytd only)*27.7778%3,481
Condition Ratios (%)
Loss allowance to loans1.1710%4,162
Loan loss allowance to noncurrent loans1,001.2987%582
Noncurrent assets plus other real estate owned to assets0.0768%5,725
Noncurrent loans to loans0.1169%5,426
Net loans and leases to total assets64.9220%3,063
Net loans and leases to deposits72.0253%3,680
Net loans and leases to core deposits76.2869%3,675
Total domestic deposits to total assets90.1378%679
Equity capital to assets7.7661%6,151
Core capital (leverage) ratio7.5695%6,182
Tier 1 risk-based capital ratio9.5131%6,348
Total risk-based capital ratio10.4572%6,371
Memoranda:
Average total assets$97,568,0004,660
Average earning assets$88,446,4004,692
Average equity$7,699,0005,272
Average total loans$62,268,8004,419
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5544%1,688
Cost of funding earning assets0.3414%4,443
Net interest margin4.2130%1,249
Noninterest income to average assets0.4582%3,842
Noninterest expense to average assets3.6765%1,157
Loan and lease loss provision to assets0.0688%2,969
Net operating income to assets0.4967%4,886
Return on assets (ROA)0.4967%4,955
Pretax return on assets0.5160%5,281
Return on Equity (ROE)6.2690%4,098
Retained earnings to average equity (ytd only)4.1852%3,671
Net charge-offs to loans-0.0044%5,277
Credit loss provision to net charge-offs-2,500.0000%5,994
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2770%1,160
Assets per employee ($millions)3.1172%5,568
Cash dividends to net income (ytd only)*33.2419%2,654
Condition Ratios (%)
Loss allowance to loans1.1559%4,471
Loan loss allowance to noncurrent loans827.2727%663
Noncurrent assets plus other real estate owned to assets0.0911%5,800
Noncurrent loans to loans0.1397%5,505
Net loans and leases to total assets64.4217%3,122
Net loans and leases to deposits70.7080%3,834
Net loans and leases to core deposits74.5301%3,893
Total domestic deposits to total assets91.1096%331
Equity capital to assets8.0688%6,099
Core capital (leverage) ratio7.8992%6,133
Tier 1 risk-based capital ratio9.6182%6,419
Total risk-based capital ratio10.5278%6,445
Memoranda:
Average total assets$96,902,2504,720
Average earning assets$87,473,5004,758
Average equity$7,677,7505,319
Average total loans$61,375,2504,485
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6050%1,519
Cost of funding earning assets0.3447%4,486
Net interest margin4.2603%1,109
Noninterest income to average assets0.4536%3,842
Noninterest expense to average assets3.5652%1,359
Loan and lease loss provision to assets0.1031%2,298
Net operating income to assets0.5897%4,407
Return on assets (ROA)0.5897%4,501
Pretax return on assets0.6083%4,933
Return on Equity (ROE)7.4889%3,376
Retained earnings to average equity (ytd only)5.1322%2,878
Net charge-offs to loans-0.0033%5,112
Credit loss provision to net charge-offs-5,000.0000%5,909
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3655%1,588
Assets per employee ($millions)3.2882%5,273
Cash dividends to net income (ytd only)*31.4685%2,729
Condition Ratios (%)
Loss allowance to loans1.1321%4,751
Loan loss allowance to noncurrent loans781.7204%634
Noncurrent assets plus other real estate owned to assets0.0912%5,881
Noncurrent loans to loans0.1448%5,572
Net loans and leases to total assets62.2854%3,362
Net loans and leases to deposits71.5332%3,634
Net loans and leases to core deposits75.1521%3,720
Total domestic deposits to total assets87.0720%2,417
Equity capital to assets7.6138%6,317
Core capital (leverage) ratio8.0701%6,043
Tier 1 risk-based capital ratio9.3151%6,513
Total risk-based capital ratio10.2000%6,534
Memoranda:
Average total assets$96,992,3304,752
Average earning assets$87,035,3304,797
Average equity$7,638,0005,361
Average total loans$60,840,3304,524
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5242%1,724
Cost of funding earning assets0.3548%4,493
Net interest margin4.1694%1,297
Noninterest income to average assets0.5163%3,283
Noninterest expense to average assets3.5421%1,410
Loan and lease loss provision to assets0.1058%2,159
Net operating income to assets0.6305%4,042
Return on assets (ROA)0.6305%4,132
Pretax return on assets0.6475%4,672
Return on Equity (ROE)7.8664%3,000
Retained earnings to average equity (ytd only)4.6987%3,297
Net charge-offs to loans-0.0068%4,904
Credit loss provision to net charge-offs-2,500.0000%5,508
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.4631%1,870
Assets per employee ($millions)2.9829%5,878
Cash dividends to net income (ytd only)*40.2685%1,983
Condition Ratios (%)
Loss allowance to loans1.1942%4,659
Loan loss allowance to noncurrent loans512.4088%929
Noncurrent assets plus other real estate owned to assets0.1482%5,800
Noncurrent loans to loans0.2331%5,403
Net loans and leases to total assets62.8121%3,102
Net loans and leases to deposits69.8298%3,628
Net loans and leases to core deposits72.5566%3,813
Total domestic deposits to total assets89.9504%1,095
Equity capital to assets8.2556%5,860
Core capital (leverage) ratio8.2052%5,943
Tier 1 risk-based capital ratio9.8563%6,506
Total risk-based capital ratio10.7732%6,529
Memoranda:
Average total assets$94,521,5004,859
Average earning assets$85,672,0004,875
Average equity$7,576,5005,404
Average total loans$59,152,0004,619
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4482%2,399
Cost of funding earning assets0.4506%4,104
Net interest margin3.9976%1,950
Noninterest income to average assets0.4621%4,012
Noninterest expense to average assets3.5216%1,607
Loan and lease loss provision to assets0.0278%4,567
Net operating income to assets0.4724%4,857
Return on assets (ROA)0.5410%4,675
Pretax return on assets0.5721%4,962
Return on Equity (ROE)6.6982%3,722
Retained earnings to average equity (ytd only)5.4603%2,303
Net charge-offs to loans0.0139%5,176
Credit loss provision to net charge-offs357.1429%638
Earnings coverage of net charge-offs (x)67.8571%622
Efficiency ratio86.9684%1,316
Assets per employee ($millions)3.2191%5,448
Cash dividends to net income (ytd only)*18.4805%3,781
Condition Ratios (%)
Loss allowance to loans1.1358%4,963
Loan loss allowance to noncurrent loans229.9320%1,873
Noncurrent assets plus other real estate owned to assets0.3044%5,352
Noncurrent loans to loans0.4940%4,761
Net loans and leases to total assets60.9317%3,551
Net loans and leases to deposits70.2628%3,756
Net loans and leases to core deposits72.7616%3,981
Total domestic deposits to total assets86.7198%2,866
Equity capital to assets7.7859%6,140
Core capital (leverage) ratio8.1060%6,049
Tier 1 risk-based capital ratio9.8467%6,550
Total risk-based capital ratio10.7685%6,586
Memoranda:
Average total assets$90,016,4004,981
Average earning assets$80,774,2005,018
Average equity$7,270,6005,504
Average total loans$50,412,6004,948
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3811%2,648
Cost of funding earning assets0.4694%4,070
Net interest margin3.9117%2,231
Noninterest income to average assets0.4677%4,016
Noninterest expense to average assets3.4684%1,680
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.4632%4,958
Return on assets (ROA)0.5401%4,766
Pretax return on assets0.5914%5,051
Return on Equity (ROE)6.6216%3,860
Retained earnings to average equity (ytd only)4.9569%3,116
Net charge-offs to loans0.0249%4,627
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)37.3325%1,055
Efficiency ratio87.2486%1,236
Assets per employee ($millions)3.1122%5,654
Cash dividends to net income (ytd only)*25.1404%2,883
Condition Ratios (%)
Loss allowance to loans1.2099%4,820
Loan loss allowance to noncurrent loans212.7869%1,887
Noncurrent assets plus other real estate owned to assets0.3379%5,394
Noncurrent loans to loans0.5686%4,784
Net loans and leases to total assets58.7165%3,889
Net loans and leases to deposits66.7927%4,204
Net loans and leases to core deposits68.8726%4,444
Total domestic deposits to total assets87.9086%2,191
Equity capital to assets8.2135%5,992
Core capital (leverage) ratio8.3236%5,948
Tier 1 risk-based capital ratio10.6372%6,413
Total risk-based capital ratio11.5791%6,468
Memoranda:
Average total assets$88,377,5005,065
Average earning assets$79,247,2505,105
Average equity$7,208,5005,582
Average total loans$48,136,0005,068
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2847%3,021
Cost of funding earning assets0.4817%4,070
Net interest margin3.8029%2,549
Noninterest income to average assets0.4786%3,970
Noninterest expense to average assets3.4689%1,679
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3583%5,372
Return on assets (ROA)0.4376%5,233
Pretax return on assets0.5014%5,372
Return on Equity (ROE)5.3779%4,529
Retained earnings to average equity (ytd only)3.6973%3,955
Net charge-offs to loans0.0389%4,132
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)20.0000%1,483
Efficiency ratio89.4242%1,090
Assets per employee ($millions)2.9115%6,001
Cash dividends to net income (ytd only)*31.2500%2,626
Condition Ratios (%)
Loss allowance to loans1.3286%4,368
Loan loss allowance to noncurrent loans141.7031%2,634
Noncurrent assets plus other real estate owned to assets0.5244%4,958
Noncurrent loans to loans0.9376%4,050
Net loans and leases to total assets55.1835%4,421
Net loans and leases to deposits61.0513%4,854
Net loans and leases to core deposits62.6976%5,036
Total domestic deposits to total assets90.3887%813
Equity capital to assets8.3164%5,957
Core capital (leverage) ratio8.2575%5,946
Tier 1 risk-based capital ratio11.6830%6,005
Total risk-based capital ratio12.7387%6,083
Memoranda:
Average total assets$87,752,0005,116
Average earning assets$78,466,0005,155
Average equity$7,140,3305,649
Average total loans$46,300,3305,169
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0879%3,773
Cost of funding earning assets0.5059%4,028
Net interest margin3.5820%3,333
Noninterest income to average assets0.3775%4,645
Noninterest expense to average assets3.3699%1,899
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.1752%5,964
Return on assets (ROA)0.2683%5,789
Pretax return on assets0.3002%5,849
Return on Equity (ROE)3.3340%5,420
Retained earnings to average equity (ytd only)1.6388%5,160
Net charge-offs to loans0.0622%3,195
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)6.1429%2,266
Efficiency ratio94.5153%804
Assets per employee ($millions)2.7382%6,359
Cash dividends to net income (ytd only)*50.8475%1,551
Condition Ratios (%)
Loss allowance to loans1.4413%4,045
Loan loss allowance to noncurrent loans232.5000%1,663
Noncurrent assets plus other real estate owned to assets0.3572%5,517
Noncurrent loans to loans0.6199%4,895
Net loans and leases to total assets50.8052%4,877
Net loans and leases to deposits56.2113%5,221
Net loans and leases to core deposits57.2273%5,418
Total domestic deposits to total assets90.3824%829
Equity capital to assets8.2366%6,227
Core capital (leverage) ratio8.1396%6,003
Tier 1 risk-based capital ratio12.6236%5,499
Total risk-based capital ratio13.7814%5,508
Memoranda:
Average total assets$87,955,5005,151
Average earning assets$78,280,5005,201
Average equity$7,078,5005,723
Average total loans$45,026,0005,249
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6582%2,761
Cost of funding earning assets0.6622%3,816
Net interest margin3.9961%2,403
Noninterest income to average assets0.6032%3,260
Noninterest expense to average assets3.5517%1,716
Loan and lease loss provision to assets0.0616%5,001
Net operating income to assets0.4543%4,872
Return on assets (ROA)0.4506%5,128
Pretax return on assets0.6032%4,986
Return on Equity (ROE)5.5508%4,405
Retained earnings to average equity (ytd only)4.6409%2,952
Net charge-offs to loans0.2190%3,636
Credit loss provision to net charge-offs51.5464%4,661
Earnings coverage of net charge-offs (x)5.6082%2,994
Efficiency ratio84.1353%1,616
Assets per employee ($millions)2.9430%6,092
Cash dividends to net income (ytd only)*16.3934%3,877
Condition Ratios (%)
Loss allowance to loans1.4660%3,883
Loan loss allowance to noncurrent loans198.1928%1,858
Noncurrent assets plus other real estate owned to assets0.3760%5,567
Noncurrent loans to loans0.7397%4,701
Net loans and leases to total assets50.0929%5,157
Net loans and leases to deposits55.1755%5,533
Net loans and leases to core deposits55.9814%5,717
Total domestic deposits to total assets90.7883%574
Equity capital to assets7.8605%6,477
Core capital (leverage) ratio8.0960%6,095
Tier 1 risk-based capital ratio12.0056%5,787
Total risk-based capital ratio13.1649%5,796
Memoranda:
Average total assets$81,229,2005,322
Average earning assets$73,547,0005,324
Average equity$6,593,6005,870
Average total loans$44,299,6005,314
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7703%2,508
Cost of funding earning assets0.6949%3,817
Net interest margin4.0754%2,193
Noninterest income to average assets0.4967%3,953
Noninterest expense to average assets3.4984%1,764
Loan and lease loss provision to assets0.0839%4,564
Net operating income to assets0.4732%4,941
Return on assets (ROA)0.4681%5,218
Pretax return on assets0.6275%5,084
Return on Equity (ROE)5.7168%4,479
Retained earnings to average equity (ytd only)4.4873%3,738
Net charge-offs to loans0.2778%3,054
Credit loss provision to net charge-offs54.3478%4,295
Earnings coverage of net charge-offs (x)4.6523%3,242
Efficiency ratio82.9686%1,702
Assets per employee ($millions)2.6210%6,577
Cash dividends to net income (ytd only)*21.5060%2,984
Condition Ratios (%)
Loss allowance to loans1.4840%4,018
Loan loss allowance to noncurrent loans204.6296%1,751
Noncurrent assets plus other real estate owned to assets0.4121%5,660
Noncurrent loans to loans0.7252%4,977
Net loans and leases to total assets55.9768%4,456
Net loans and leases to deposits62.0895%4,959
Net loans and leases to core deposits63.1170%5,252
Total domestic deposits to total assets90.1550%763
Equity capital to assets8.4206%6,330
Core capital (leverage) ratio8.0677%6,268
Tier 1 risk-based capital ratio10.4986%6,665
Total risk-based capital ratio11.5723%6,694
Memoranda:
Average total assets$79,464,0005,418
Average earning assets$72,530,7505,415
Average equity$6,507,0005,958
Average total loans$44,153,2505,386
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5899%3,411
Cost of funding earning assets0.7115%3,927
Net interest margin3.8783%3,006
Noninterest income to average assets0.4615%4,195
Noninterest expense to average assets3.4561%1,891
Loan and lease loss provision to assets0.0627%4,865
Net operating income to assets0.4292%5,118
Return on assets (ROA)0.4214%5,374
Pretax return on assets0.5417%5,330
Return on Equity (ROE)5.1940%4,712
Retained earnings to average equity (ytd only)4.2047%3,812
Net charge-offs to loans0.4229%2,345
Credit loss provision to net charge-offs26.8817%4,486
Earnings coverage of net charge-offs (x)2.6344%3,692
Efficiency ratio84.9045%1,545
Assets per employee ($millions)2.7721%6,444
Cash dividends to net income (ytd only)*19.0476%3,015
Condition Ratios (%)
Loss allowance to loans1.3848%4,516
Loan loss allowance to noncurrent loans196.0000%1,742
Noncurrent assets plus other real estate owned to assets0.4043%5,773
Noncurrent loans to loans0.7065%5,093
Net loans and leases to total assets56.4274%4,402
Net loans and leases to deposits62.3970%4,953
Net loans and leases to core deposits63.4026%5,268
Total domestic deposits to total assets90.4329%704
Equity capital to assets8.1316%6,500
Core capital (leverage) ratio8.0314%6,238
Tier 1 risk-based capital ratio10.6694%6,627
Total risk-based capital ratio11.7316%6,687
Memoranda:
Average total assets$79,742,3305,439
Average earning assets$74,207,0005,388
Average equity$6,469,0005,992
Average total loans$43,978,6705,429
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6026%3,490
Cost of funding earning assets0.7427%3,920
Net interest margin3.8599%3,096
Noninterest income to average assets0.4986%3,919
Noninterest expense to average assets3.2486%2,443
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.5994%4,340
Return on assets (ROA)0.5994%4,561
Pretax return on assets0.8361%4,277
Return on Equity (ROE)7.3970%3,562
Retained earnings to average equity (ytd only)5.4079%3,309
Net charge-offs to loans-0.0279%6,315
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5314%2,262
Assets per employee ($millions)2.8243%6,473
Cash dividends to net income (ytd only)*26.8908%2,171
Condition Ratios (%)
Loss allowance to loans1.6789%3,430
Loan loss allowance to noncurrent loans165.0350%1,974
Noncurrent assets plus other real estate owned to assets0.5425%5,516
Noncurrent loans to loans1.0173%4,642
Net loans and leases to total assets52.4311%4,957
Net loans and leases to deposits58.1058%5,363
Net loans and leases to core deposits59.0585%5,620
Total domestic deposits to total assets90.2338%953
Equity capital to assets8.1716%6,393
Core capital (leverage) ratio8.0079%6,250
Tier 1 risk-based capital ratio11.3570%6,357
Total risk-based capital ratio12.6073%6,339
Memoranda:
Average total assets$79,418,5005,493
Average earning assets$73,784,5005,444
Average equity$6,435,0006,032
Average total loans$42,968,5005,507
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9793%2,973
Cost of funding earning assets0.9615%3,632
Net interest margin4.0177%2,798
Noninterest income to average assets0.5033%3,823
Noninterest expense to average assets3.5048%1,966
Loan and lease loss provision to assets0.0659%5,790
Net operating income to assets0.5170%4,355
Return on assets (ROA)0.5297%4,506
Pretax return on assets0.7155%4,263
Return on Equity (ROE)6.4814%3,654
Retained earnings to average equity (ytd only)5.5140%2,290
Net charge-offs to loans0.1141%5,236
Credit loss provision to net charge-offs102.0408%3,399
Earnings coverage of net charge-offs (x)11.8367%1,678
Efficiency ratio82.0988%2,004
Assets per employee ($millions)2.8485%6,382
Cash dividends to net income (ytd only)*14.9254%3,724
Condition Ratios (%)
Loss allowance to loans1.6108%3,544
Loan loss allowance to noncurrent loans154.6053%2,070
Noncurrent assets plus other real estate owned to assets0.5717%5,547
Noncurrent loans to loans1.0419%4,625
Net loans and leases to total assets53.9908%5,036
Net loans and leases to deposits59.7328%5,521
Net loans and leases to core deposits60.7011%5,782
Total domestic deposits to total assets90.3872%769
Equity capital to assets8.0343%6,549
Core capital (leverage) ratio8.0953%6,150
Tier 1 risk-based capital ratio11.2056%6,348
Total risk-based capital ratio12.4564%6,323
Memoranda:
Average total assets$75,896,0005,572
Average earning assets$71,135,2005,503
Average equity$6,202,4006,100
Average total loans$42,961,6005,563
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9916%3,126
Cost of funding earning assets1.0059%3,639
Net interest margin3.9857%2,975
Noninterest income to average assets0.5694%3,375
Noninterest expense to average assets3.4235%2,129
Loan and lease loss provision to assets0.0890%5,343
Net operating income to assets0.5575%4,282
Return on assets (ROA)0.5587%4,447
Pretax return on assets0.7954%4,147
Return on Equity (ROE)6.8064%3,609
Retained earnings to average equity (ytd only)5.5058%2,857
Net charge-offs to loans0.0312%5,710
Credit loss provision to net charge-offs500.0000%545
Earnings coverage of net charge-offs (x)49.6114%646
Efficiency ratio79.5041%2,334
Assets per employee ($millions)2.6264%6,745
Cash dividends to net income (ytd only)*19.1086%2,969
Condition Ratios (%)
Loss allowance to loans1.6988%3,276
Loan loss allowance to noncurrent loans138.5475%2,180
Noncurrent assets plus other real estate owned to assets0.7302%5,330
Noncurrent loans to loans1.2261%4,494
Net loans and leases to total assets58.5439%4,409
Net loans and leases to deposits65.3273%5,006
Net loans and leases to core deposits66.2165%5,389
Total domestic deposits to total assets89.6163%1,086
Equity capital to assets8.6200%6,176
Core capital (leverage) ratio8.2669%6,027
Tier 1 risk-based capital ratio11.3139%6,353
Total risk-based capital ratio12.5655%6,344
Memoranda:
Average total assets$74,930,5005,651
Average earning assets$70,249,0005,573
Average equity$6,151,0006,165
Average total loans$42,760,2505,616
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9319%3,484
Cost of funding earning assets1.0141%3,853
Net interest margin3.9179%3,227
Noninterest income to average assets0.5571%3,420
Noninterest expense to average assets3.4485%2,121
Loan and lease loss provision to assets0.0663%5,478
Net operating income to assets0.5075%4,469
Return on assets (ROA)0.5093%4,600
Pretax return on assets0.7242%4,301
Return on Equity (ROE)6.3071%3,797
Retained earnings to average equity (ytd only)5.3217%2,794
Net charge-offs to loans0.0566%5,083
Credit loss provision to net charge-offs208.3333%1,441
Earnings coverage of net charge-offs (x)24.7500%1,055
Efficiency ratio81.4026%2,186
Assets per employee ($millions)2.4691%6,952
Cash dividends to net income (ytd only)*15.6250%2,998
Condition Ratios (%)
Loss allowance to loans1.6275%3,591
Loan loss allowance to noncurrent loans135.2830%2,176
Noncurrent assets plus other real estate owned to assets0.7155%5,475
Noncurrent loans to loans1.2030%4,646
Net loans and leases to total assets58.5077%4,541
Net loans and leases to deposits65.1675%5,116
Net loans and leases to core deposits66.0444%5,509
Total domestic deposits to total assets89.7805%1,082
Equity capital to assets8.4119%6,292
Core capital (leverage) ratio8.0852%6,188
Tier 1 risk-based capital ratio11.2451%6,355
Total risk-based capital ratio12.4968%6,350
Memoranda:
Average total assets$75,394,6705,674
Average earning assets$70,804,0005,605
Average equity$6,088,3306,211
Average total loans$42,415,0005,688
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7590%4,258
Cost of funding earning assets1.0290%3,995
Net interest margin3.7300%3,947
Noninterest income to average assets0.5102%3,797
Noninterest expense to average assets3.4238%2,214
Loan and lease loss provision to assets0.1315%4,354
Net operating income to assets0.3380%5,234
Return on assets (ROA)0.3419%5,293
Pretax return on assets0.4681%5,127
Return on Equity (ROE)4.3211%4,738
Retained earnings to average equity (ytd only)2.3267%4,751
Net charge-offs to loans0.1731%3,452
Credit loss provision to net charge-offs138.8889%2,013
Earnings coverage of net charge-offs (x)6.2778%2,127
Efficiency ratio85.2094%1,809
Assets per employee ($millions)2.7129%6,677
Cash dividends to net income (ytd only)*46.1538%1,589
Condition Ratios (%)
Loss allowance to loans1.7114%3,299
Loan loss allowance to noncurrent loans97.9339%2,918
Noncurrent assets plus other real estate owned to assets0.9557%4,987
Noncurrent loans to loans1.7475%3,895
Net loans and leases to total assets53.7558%5,337
Net loans and leases to deposits59.5256%5,766
Net loans and leases to core deposits60.3010%6,072
Total domestic deposits to total assets90.3070%961
Equity capital to assets7.9395%6,554
Core capital (leverage) ratio7.8707%6,396
Tier 1 risk-based capital ratio11.8834%5,797
Total risk-based capital ratio13.1346%5,793
Memoranda:
Average total assets$76,055,0005,699
Average earning assets$71,527,5005,617
Average equity$6,017,0006,245
Average total loans$41,594,5005,782
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1348%3,928
Cost of funding earning assets1.2415%4,271
Net interest margin3.8933%3,523
Noninterest income to average assets0.8928%1,874
Noninterest expense to average assets3.7257%1,641
Loan and lease loss provision to assets0.1071%6,078
Net operating income to assets0.5127%4,041
Return on assets (ROA)0.5086%4,214
Pretax return on assets0.7100%3,943
Return on Equity (ROE)6.0217%3,593
Retained earnings to average equity (ytd only)4.4993%2,724
Net charge-offs to loans0.1925%5,146
Credit loss provision to net charge-offs93.7500%4,961
Earnings coverage of net charge-offs (x)7.2000%2,181
Efficiency ratio81.9095%2,175
Assets per employee ($millions)2.4564%7,070
Cash dividends to net income (ytd only)*25.2809%3,245
Condition Ratios (%)
Loss allowance to loans1.6905%3,248
Loan loss allowance to noncurrent loans96.3064%2,984
Noncurrent assets plus other real estate owned to assets0.9600%5,089
Noncurrent loans to loans1.7554%3,873
Net loans and leases to total assets53.7637%5,661
Net loans and leases to deposits59.6793%6,094
Net loans and leases to core deposits60.4548%6,358
Total domestic deposits to total assets90.0877%1,041
Equity capital to assets7.8833%6,606
Core capital (leverage) ratio7.9685%6,248
Tier 1 risk-based capital ratio11.9071%5,559
Total risk-based capital ratio13.1594%5,540
Memoranda:
Average total assets$70,000,8005,889
Average earning assets$65,728,2005,808
Average equity$5,912,0006,394
Average total loans$41,568,2005,857
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3314%3,205
Cost of funding earning assets1.2945%4,248
Net interest margin4.0369%2,923
Noninterest income to average assets0.8802%1,873
Noninterest expense to average assets3.6826%1,606
Loan and lease loss provision to assets0.1461%5,575
Net operating income to assets0.5901%3,918
Return on assets (ROA)0.5901%4,082
Pretax return on assets0.8413%3,766
Return on Equity (ROE)6.8598%3,415
Retained earnings to average equity (ytd only)4.8222%3,110
Net charge-offs to loans0.0481%6,040
Credit loss provision to net charge-offs500.0000%580
Earnings coverage of net charge-offs (x)33.7990%792
Efficiency ratio78.8574%2,509
Assets per employee ($millions)2.2236%7,365
Cash dividends to net income (ytd only)*29.7037%2,556
Condition Ratios (%)
Loss allowance to loans1.8357%2,675
Loan loss allowance to noncurrent loans108.9235%2,577
Noncurrent assets plus other real estate owned to assets1.0242%5,051
Noncurrent loans to loans1.6853%4,115
Net loans and leases to total assets59.6582%4,974
Net loans and leases to deposits67.0673%5,535
Net loans and leases to core deposits68.0416%5,933
Total domestic deposits to total assets88.9527%1,415
Equity capital to assets8.6986%6,017
Core capital (leverage) ratio8.4572%5,587
Tier 1 risk-based capital ratio12.2134%5,255
Total risk-based capital ratio13.4681%5,220
Memoranda:
Average total assets$68,464,0005,992
Average earning assets$64,271,7505,913
Average equity$5,889,2506,484
Average total loans$41,549,2505,942
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3594%3,159
Cost of funding earning assets1.3282%4,357
Net interest margin4.0312%2,873
Noninterest income to average assets0.8403%1,922
Noninterest expense to average assets3.5720%1,850
Loan and lease loss provision to assets0.1464%5,432
Net operating income to assets0.6324%3,723
Return on assets (ROA)0.6324%3,863
Pretax return on assets0.9076%3,464
Return on Equity (ROE)7.3800%3,155
Retained earnings to average equity (ytd only)6.0133%2,322
Net charge-offs to loans0.0627%5,514
Credit loss provision to net charge-offs384.6154%943
Earnings coverage of net charge-offs (x)27.6923%969
Efficiency ratio77.2152%2,858
Assets per employee ($millions)2.2401%7,406
Cash dividends to net income (ytd only)*18.5185%2,936
Condition Ratios (%)
Loss allowance to loans1.7930%2,737
Loan loss allowance to noncurrent loans142.6386%1,950
Noncurrent assets plus other real estate owned to assets0.7782%5,568
Noncurrent loans to loans1.2570%4,865
Net loans and leases to total assets60.8014%4,908
Net loans and leases to deposits68.4565%5,497
Net loans and leases to core deposits68.8916%5,980
Total domestic deposits to total assets88.8176%1,538
Equity capital to assets8.8819%5,627
Core capital (leverage) ratio8.5224%5,369
Tier 1 risk-based capital ratio12.5344%4,828
Total risk-based capital ratio13.7896%4,798
Memoranda:
Average total assets$68,308,3306,020
Average earning assets$64,149,0005,957
Average equity$5,853,6706,514
Average total loans$41,435,0005,984
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2358%3,850
Cost of funding earning assets1.3987%4,185
Net interest margin3.8371%3,638
Noninterest income to average assets0.8307%1,881
Noninterest expense to average assets3.4214%2,176
Loan and lease loss provision to assets0.1452%5,099
Net operating income to assets0.6041%3,877
Return on assets (ROA)0.6041%4,025
Pretax return on assets0.8655%3,604
Return on Equity (ROE)7.1774%3,252
Retained earnings to average equity (ytd only)4.4168%3,503
Net charge-offs to loans0.0774%4,645
Credit loss provision to net charge-offs312.5000%1,259
Earnings coverage of net charge-offs (x)21.7500%1,112
Efficiency ratio77.1953%3,033
Assets per employee ($millions)2.3171%7,442
Cash dividends to net income (ytd only)*38.4615%1,809
Condition Ratios (%)
Loss allowance to loans1.8193%2,669
Loan loss allowance to noncurrent loans176.2136%1,588
Noncurrent assets plus other real estate owned to assets0.6131%5,986
Noncurrent loans to loans1.0325%5,269
Net loans and leases to total assets58.3047%5,383
Net loans and leases to deposits65.2364%5,905
Net loans and leases to core deposits65.2364%6,346
Total domestic deposits to total assets89.3745%1,316
Equity capital to assets8.6671%5,779
Core capital (leverage) ratio8.2730%5,793
Tier 1 risk-based capital ratio12.7828%4,501
Total risk-based capital ratio14.0369%4,459
Memoranda:
Average total assets$68,860,5006,075
Average earning assets$64,632,0006,012
Average equity$5,796,0006,587
Average total loans$41,349,0006,057
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0909%1,543
Cost of funding earning assets2.0110%2,913
Net interest margin4.0799%2,530
Noninterest income to average assets0.8449%2,202
Noninterest expense to average assets3.8607%1,566
Loan and lease loss provision to assets0.1142%6,504
Net operating income to assets0.3928%4,155
Return on assets (ROA)0.3928%4,253
Pretax return on assets0.5206%4,130
Return on Equity (ROE)4.5440%3,862
Retained earnings to average equity (ytd only)2.4305%3,432
Net charge-offs to loans0.0189%6,958
Credit loss provision to net charge-offs937.5000%312
Earnings coverage of net charge-offs (x)52.1250%499
Efficiency ratio85.8788%2,128
Assets per employee ($millions)2.3508%7,405
Cash dividends to net income (ytd only)*46.5116%2,631
Condition Ratios (%)
Loss allowance to loans1.6568%3,060
Loan loss allowance to noncurrent loans1,648.8372%237
Noncurrent assets plus other real estate owned to assets0.0610%7,347
Noncurrent loans to loans0.1005%7,162
Net loans and leases to total assets59.6733%5,384
Net loans and leases to deposits66.4068%6,006
Net loans and leases to core deposits77.4457%6,305
Total domestic deposits to total assets89.8602%1,033
Equity capital to assets8.1788%6,364
Core capital (leverage) ratio8.3114%5,591
Tier 1 risk-based capital ratio11.8120%5,101
Total risk-based capital ratio13.0641%5,068
Memoranda:
Average total assets$65,688,0006,148
Average earning assets$58,776,6006,180
Average equity$5,677,8006,716
Average total loans$42,333,0006,003
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2746%1,188
Cost of funding earning assets2.1282%2,754
Net interest margin4.1464%2,227
Noninterest income to average assets0.8809%2,054
Noninterest expense to average assets3.7841%1,624
Loan and lease loss provision to assets0.1034%6,339
Net operating income to assets0.4756%4,091
Return on assets (ROA)0.4756%4,193
Pretax return on assets0.6555%4,002
Return on Equity (ROE)5.4226%3,773
Retained earnings to average equity (ytd only)2.5933%3,868
Net charge-offs to loans0.0284%6,486
Credit loss provision to net charge-offs555.5556%699
Earnings coverage of net charge-offs (x)40.7767%737
Efficiency ratio83.2954%2,391
Assets per employee ($millions)2.0987%7,718
Cash dividends to net income (ytd only)*52.1750%1,920
Condition Ratios (%)
Loss allowance to loans1.5976%3,002
Loan loss allowance to noncurrent loans609.8214%537
Noncurrent assets plus other real estate owned to assets0.1721%7,103
Noncurrent loans to loans0.2620%6,853
Net loans and leases to total assets64.6619%4,721
Net loans and leases to deposits72.7560%5,541
Net loans and leases to core deposits86.9500%5,767
Total domestic deposits to total assets88.8749%1,255
Equity capital to assets8.8272%5,741
Core capital (leverage) ratio8.6446%5,237
Tier 1 risk-based capital ratio11.8788%5,083
Total risk-based capital ratio13.1307%5,013
Memoranda:
Average total assets$64,479,0006,228
Average earning assets$56,947,2506,297
Average equity$5,655,2506,796
Average total loans$42,218,0006,059
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3341%1,130
Cost of funding earning assets2.2216%2,696
Net interest margin4.1125%2,276
Noninterest income to average assets0.8742%2,083
Noninterest expense to average assets3.6991%1,840
Loan and lease loss provision to assets0.0778%6,410
Net operating income to assets0.4760%4,190
Return on assets (ROA)0.4760%4,302
Pretax return on assets0.6564%4,139
Return on Equity (ROE)5.4390%3,889
Retained earnings to average equity (ytd only)3.3061%3,484
Net charge-offs to loans0.0285%6,077
Credit loss provision to net charge-offs416.6667%1,110
Earnings coverage of net charge-offs (x)39.3333%824
Efficiency ratio83.4386%2,551
Assets per employee ($millions)2.0940%7,777
Cash dividends to net income (ytd only)*39.2157%2,465
Condition Ratios (%)
Loss allowance to loans1.5242%3,068
Loan loss allowance to noncurrent loans175.7979%1,696
Noncurrent assets plus other real estate owned to assets0.5792%5,972
Noncurrent loans to loans0.8670%5,480
Net loans and leases to total assets65.7881%4,609
Net loans and leases to deposits74.1690%5,425
Net loans and leases to core deposits89.8126%5,553
Total domestic deposits to total assets88.7003%1,434
Equity capital to assets8.7548%5,675
Core capital (leverage) ratio8.5512%5,357
Tier 1 risk-based capital ratio11.7537%5,142
Total risk-based capital ratio13.0056%5,063
Memoranda:
Average total assets$64,285,3306,293
Average earning assets$55,635,6706,408
Average equity$5,626,0006,856
Average total loans$42,040,0006,111
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2442%1,462
Cost of funding earning assets2.2342%2,994
Net interest margin4.0100%2,603
Noninterest income to average assets0.9442%1,671
Noninterest expense to average assets3.7267%1,601
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.5101%4,372
Return on assets (ROA)0.5190%4,532
Pretax return on assets0.7316%4,316
Return on Equity (ROE)5.9312%4,068
Retained earnings to average equity (ytd only)1.6436%4,925
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.8256%2,328
Assets per employee ($millions)2.1885%7,729
Cash dividends to net income (ytd only)*72.2892%1,228
Condition Ratios (%)
Loss allowance to loans1.5779%2,613
Loan loss allowance to noncurrent loans70.4720%4,076
Noncurrent assets plus other real estate owned to assets1.3875%3,865
Noncurrent loans to loans2.2390%2,941
Net loans and leases to total assets60.9937%5,498
Net loans and leases to deposits68.5813%6,120
Net loans and leases to core deposits83.1158%6,138
Total domestic deposits to total assets88.9363%1,257
Equity capital to assets8.5522%5,990
Core capital (leverage) ratio8.7973%4,994
Tier 1 risk-based capital ratio12.1608%4,819
Total risk-based capital ratio13.4132%4,711
Memoranda:
Average total assets$63,971,5006,327
Average earning assets$55,860,0006,422
Average equity$5,597,5006,918
Average total loans$41,377,0006,175
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8818%1,457
Cost of funding earning assets2.6990%3,163
Net interest margin4.1828%2,380
Noninterest income to average assets0.8732%2,088
Noninterest expense to average assets3.7240%1,906
Loan and lease loss provision to assets0.1617%5,312
Net operating income to assets0.6979%3,899
Return on assets (ROA)0.4851%4,628
Pretax return on assets0.5643%4,795
Return on Equity (ROE)5.4953%4,162
Retained earnings to average equity (ytd only)3.6635%2,874
Net charge-offs to loans0.0025%6,982
Credit loss provision to net charge-offs10,000.0000%59
Earnings coverage of net charge-offs (x)602.0000%93
Efficiency ratio79.2771%2,711
Assets per employee ($millions)2.0762%7,843
Cash dividends to net income (ytd only)*33.3333%3,972
Condition Ratios (%)
Loss allowance to loans1.5262%2,562
Loan loss allowance to noncurrent loans4,938.4615%138
Noncurrent assets plus other real estate owned to assets0.0209%7,516
Noncurrent loans to loans0.0309%7,384
Net loans and leases to total assets66.5050%4,753
Net loans and leases to deposits75.4962%5,654
Net loans and leases to core deposits90.3921%5,770
Total domestic deposits to total assets88.0906%1,434
Equity capital to assets8.9585%5,423
Core capital (leverage) ratio9.1118%4,579
Tier 1 risk-based capital ratio11.5596%5,186
Total risk-based capital ratio12.8100%5,077
Memoranda:
Average total assets$61,842,0006,323
Average earning assets$56,540,4006,323
Average equity$5,459,2006,994
Average total loans$40,089,0006,157