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The Union Bank of Mena, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4376%667
Cost of funding earning assets0.2328%3,106
Net interest margin4.2048%483
Noninterest income to average assets0.7061%1,745
Noninterest expense to average assets2.3826%2,540
Loan and lease loss provision to assets0.0717%1,659
Net operating income to assets2.2146%237
Return on assets (ROA)2.1915%260
Pretax return on assets2.1915%420
Return on Equity (ROE)21.9874%221
Retained earnings to average equity (ytd only)8.3649%1,402
Net charge-offs to loans0.0731%1,059
Credit loss provision to net charge-offs166.6667%1,424
Earnings coverage of net charge-offs (x)53.1111%1,265
Efficiency ratio51.0309%4,201
Assets per employee ($millions)5.8040%2,949
Cash dividends to net income (ytd only)*61.9561%1,022
Condition Ratios (%)
Loss allowance to loans1.6592%1,145
Loan loss allowance to noncurrent loans1,108.4459%811
Noncurrent assets plus other real estate owned to assets0.1071%3,179
Noncurrent loans to loans0.1497%3,188
Net loans and leases to total assets55.8418%2,637
Net loans and leases to deposits63.0437%2,780
Net loans and leases to core deposits65.1597%2,889
Total domestic deposits to total assets88.5763%1,751
Equity capital to assets9.7160%2,928
Core capital (leverage) ratio9.5410%2,816
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.6958%791
Memoranda:
Average total assets$334,512,6002,273
Average earning assets$315,262,0002,257
Average equity$33,341,8002,367
Average total loans$197,122,8002,250
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5106%660
Cost of funding earning assets0.2443%3,172
Net interest margin4.2663%487
Noninterest income to average assets0.6935%1,844
Noninterest expense to average assets2.4102%2,408
Loan and lease loss provision to assets0.0725%1,591
Net operating income to assets2.2342%303
Return on assets (ROA)2.2169%332
Pretax return on assets2.2169%528
Return on Equity (ROE)22.0956%297
Retained earnings to average equity (ytd only)11.3267%988
Net charge-offs to loans0.0379%1,327
Credit loss provision to net charge-offs321.4286%971
Earnings coverage of net charge-offs (x)102.2857%861
Efficiency ratio51.0971%4,116
Assets per employee ($millions)6.0888%2,599
Cash dividends to net income (ytd only)*48.7375%1,243
Condition Ratios (%)
Loss allowance to loans1.6549%1,214
Loan loss allowance to noncurrent loans643.9689%1,119
Noncurrent assets plus other real estate owned to assets0.1733%2,966
Noncurrent loans to loans0.2570%2,904
Net loans and leases to total assets57.6884%2,540
Net loans and leases to deposits65.0366%2,731
Net loans and leases to core deposits66.9444%2,862
Total domestic deposits to total assets88.7014%1,459
Equity capital to assets10.1217%2,783
Core capital (leverage) ratio9.7428%2,774
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4623%890
Memoranda:
Average total assets$331,080,5002,310
Average earning assets$312,234,2502,291
Average equity$33,218,5002,406
Average total loans$196,967,2502,289
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3130%982
Cost of funding earning assets0.2572%3,225
Net interest margin4.0558%747
Noninterest income to average assets0.6864%1,860
Noninterest expense to average assets2.4248%2,378
Loan and lease loss provision to assets0.0726%1,617
Net operating income to assets2.0086%481
Return on assets (ROA)2.0019%509
Pretax return on assets2.0019%836
Return on Equity (ROE)20.0138%458
Retained earnings to average equity (ytd only)10.1808%1,348
Net charge-offs to loans0.0449%1,183
Credit loss provision to net charge-offs270.4545%937
Earnings coverage of net charge-offs (x)77.5227%852
Efficiency ratio53.8118%3,827
Assets per employee ($millions)5.8803%2,734
Cash dividends to net income (ytd only)*49.1314%1,263
Condition Ratios (%)
Loss allowance to loans1.6186%1,231
Loan loss allowance to noncurrent loans890.7104%808
Noncurrent assets plus other real estate owned to assets0.1322%3,360
Noncurrent loans to loans0.1817%3,314
Net loans and leases to total assets59.1175%2,529
Net loans and leases to deposits66.6921%2,758
Net loans and leases to core deposits68.6511%2,901
Total domestic deposits to total assets88.6425%1,478
Equity capital to assets9.9893%2,864
Core capital (leverage) ratio9.4923%2,915
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.2977%911
Memoranda:
Average total assets$327,784,0002,321
Average earning assets$308,693,3332,296
Average equity$32,787,3332,415
Average total loans$195,953,0002,306
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2446%1,126
Cost of funding earning assets0.2723%3,246
Net interest margin3.9722%884
Noninterest income to average assets0.6640%1,983
Noninterest expense to average assets2.3808%2,555
Loan and lease loss provision to assets0.0728%1,719
Net operating income to assets1.9550%607
Return on assets (ROA)1.9550%654
Pretax return on assets1.9550%1,023
Return on Equity (ROE)19.5314%566
Retained earnings to average equity (ytd only)16.2145%493
Net charge-offs to loans0.0373%1,102
Credit loss provision to net charge-offs327.7778%727
Earnings coverage of net charge-offs (x)91.2778%649
Efficiency ratio54.0034%3,777
Assets per employee ($millions)5.9212%2,673
Cash dividends to net income (ytd only)*16.9823%2,085
Condition Ratios (%)
Loss allowance to loans1.6504%1,169
Loan loss allowance to noncurrent loans437.7205%1,299
Noncurrent assets plus other real estate owned to assets0.2223%3,042
Noncurrent loans to loans0.3770%2,745
Net loans and leases to total assets57.9771%2,808
Net loans and leases to deposits65.2772%2,997
Net loans and leases to core deposits67.1614%3,144
Total domestic deposits to total assets88.8168%1,433
Equity capital to assets9.8376%2,857
Core capital (leverage) ratio9.8793%2,659
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0745%780
Memoranda:
Average total assets$324,087,0002,322
Average earning assets$305,520,5002,299
Average equity$32,440,0002,419
Average total loans$193,225,0002,329
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6841%924
Cost of funding earning assets0.4783%3,093
Net interest margin4.2057%627
Noninterest income to average assets0.7301%1,741
Noninterest expense to average assets2.5847%2,604
Loan and lease loss provision to assets0.1329%2,698
Net operating income to assets1.9875%269
Return on assets (ROA)1.9875%287
Pretax return on assets1.9875%464
Return on Equity (ROE)18.9818%278
Retained earnings to average equity (ytd only)7.2135%1,313
Net charge-offs to loans0.0821%1,651
Credit loss provision to net charge-offs260.6667%1,883
Earnings coverage of net charge-offs (x)41.5867%1,350
Efficiency ratio54.9343%4,099
Assets per employee ($millions)5.5542%2,787
Cash dividends to net income (ytd only)*61.9976%1,268
Condition Ratios (%)
Loss allowance to loans1.6677%1,114
Loan loss allowance to noncurrent loans703.0905%889
Noncurrent assets plus other real estate owned to assets0.1431%3,573
Noncurrent loans to loans0.2372%3,349
Net loans and leases to total assets59.3184%2,945
Net loans and leases to deposits67.0270%3,178
Net loans and leases to core deposits68.8471%3,342
Total domestic deposits to total assets88.4992%1,229
Equity capital to assets10.1899%2,936
Core capital (leverage) ratio9.7436%2,850
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1633%878
Memoranda:
Average total assets$294,193,4002,325
Average earning assets$278,048,8002,301
Average equity$30,803,2002,442
Average total loans$182,654,2002,390
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7699%928
Cost of funding earning assets0.5262%3,068
Net interest margin4.2437%667
Noninterest income to average assets0.7207%1,735
Noninterest expense to average assets2.6727%2,337
Loan and lease loss provision to assets0.1441%2,578
Net operating income to assets1.9205%354
Return on assets (ROA)1.9205%388
Pretax return on assets1.9205%605
Return on Equity (ROE)18.2086%345
Retained earnings to average equity (ytd only)9.1197%952
Net charge-offs to loans0.0701%1,619
Credit loss provision to net charge-offs328.4211%1,673
Earnings coverage of net charge-offs (x)47.0421%1,236
Efficiency ratio56.4170%3,871
Assets per employee ($millions)5.4534%2,750
Cash dividends to net income (ytd only)*49.9158%1,500
Condition Ratios (%)
Loss allowance to loans1.7077%881
Loan loss allowance to noncurrent loans943.5821%617
Noncurrent assets plus other real estate owned to assets0.1667%3,589
Noncurrent loans to loans0.1810%3,660
Net loans and leases to total assets59.5750%3,269
Net loans and leases to deposits67.5955%3,499
Net loans and leases to core deposits69.4555%3,665
Total domestic deposits to total assets88.1346%1,159
Equity capital to assets10.4515%2,837
Core capital (leverage) ratio9.7716%2,953
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0201%783
Memoranda:
Average total assets$288,594,7502,335
Average earning assets$273,148,2502,312
Average equity$30,439,0002,451
Average total loans$180,572,7502,409
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8730%1,018
Cost of funding earning assets0.5844%3,049
Net interest margin4.2886%769
Noninterest income to average assets0.6954%1,752
Noninterest expense to average assets2.7244%2,308
Loan and lease loss provision to assets0.1640%2,362
Net operating income to assets1.8679%432
Return on assets (ROA)1.8679%478
Pretax return on assets1.8679%716
Return on Equity (ROE)17.6518%404
Retained earnings to average equity (ytd only)8.8292%1,058
Net charge-offs to loans0.0905%1,347
Credit loss provision to net charge-offs286.4198%1,658
Earnings coverage of net charge-offs (x)35.4938%1,322
Efficiency ratio57.2808%3,776
Assets per employee ($millions)5.5065%2,632
Cash dividends to net income (ytd only)*49.9811%1,559
Condition Ratios (%)
Loss allowance to loans1.6910%827
Loan loss allowance to noncurrent loans547.7876%942
Noncurrent assets plus other real estate owned to assets0.2302%3,403
Noncurrent loans to loans0.3087%3,279
Net loans and leases to total assets58.3503%3,485
Net loans and leases to deposits65.9543%3,725
Net loans and leases to core deposits68.3188%3,842
Total domestic deposits to total assets88.4708%957
Equity capital to assets10.1321%3,083
Core capital (leverage) ratio9.8312%2,993
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5675%836
Memoranda:
Average total assets$282,995,3332,347
Average earning assets$267,963,6672,314
Average equity$29,946,0002,467
Average total loans$179,064,0002,414
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1416%734
Cost of funding earning assets0.6988%2,936
Net interest margin4.4428%573
Noninterest income to average assets0.7650%1,414
Noninterest expense to average assets2.8101%2,407
Loan and lease loss provision to assets0.0888%2,577
Net operating income to assets2.0717%239
Return on assets (ROA)2.0717%261
Pretax return on assets2.0717%388
Return on Equity (ROE)19.1146%205
Retained earnings to average equity (ytd only)16.2064%139
Net charge-offs to loans0.0248%1,869
Credit loss provision to net charge-offs545.4545%837
Earnings coverage of net charge-offs (x)132.7273%473
Efficiency ratio56.5347%4,155
Assets per employee ($millions)4.8873%2,771
Cash dividends to net income (ytd only)*15.2143%2,422
Condition Ratios (%)
Loss allowance to loans1.6823%904
Loan loss allowance to noncurrent loans678.6848%741
Noncurrent assets plus other real estate owned to assets0.2141%3,621
Noncurrent loans to loans0.2479%3,598
Net loans and leases to total assets63.9132%3,076
Net loans and leases to deposits73.0196%3,353
Net loans and leases to core deposits76.7158%3,448
Total domestic deposits to total assets87.5288%1,313
Equity capital to assets10.9976%2,856
Core capital (leverage) ratio10.7656%2,683
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5171%918
Memoranda:
Average total assets$270,310,5002,368
Average earning assets$255,872,5002,343
Average equity$29,297,0002,497
Average total loans$177,082,5002,389
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1657%1,072
Cost of funding earning assets0.7270%3,030
Net interest margin4.4387%823
Noninterest income to average assets0.8733%1,239
Noninterest expense to average assets2.8961%2,309
Loan and lease loss provision to assets0.1277%1,671
Net operating income to assets2.0374%319
Return on assets (ROA)2.0359%341
Pretax return on assets2.0359%554
Return on Equity (ROE)19.5719%236
Retained earnings to average equity (ytd only)4.5246%2,694
Net charge-offs to loans0.1739%1,159
Credit loss provision to net charge-offs111.1111%2,250
Earnings coverage of net charge-offs (x)18.8366%2,032
Efficiency ratio57.2213%4,057
Assets per employee ($millions)4.8533%2,771
Cash dividends to net income (ytd only)*76.8819%890
Condition Ratios (%)
Loss allowance to loans1.6704%848
Loan loss allowance to noncurrent loans377.4359%1,243
Noncurrent assets plus other real estate owned to assets0.3896%2,847
Noncurrent loans to loans0.4426%2,859
Net loans and leases to total assets64.9247%3,082
Net loans and leases to deposits73.9139%3,363
Net loans and leases to core deposits77.8110%3,457
Total domestic deposits to total assets87.8382%1,204
Equity capital to assets10.6749%3,283
Core capital (leverage) ratio10.3516%3,136
Tier 1 risk-based capital ratio17.6211%1,859
Total risk-based capital ratio18.8783%1,811
Memoranda:
Average total assets$266,222,4002,351
Average earning assets$251,175,6002,332
Average equity$27,692,8002,513
Average total loans$175,991,4002,360
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1319%1,203
Cost of funding earning assets0.7132%3,141
Net interest margin4.4188%913
Noninterest income to average assets0.8550%1,255
Noninterest expense to average assets2.9232%2,187
Loan and lease loss provision to assets0.0902%2,101
Net operating income to assets2.0086%388
Return on assets (ROA)2.0066%406
Pretax return on assets2.0066%671
Return on Equity (ROE)19.4183%288
Retained earnings to average equity (ytd only)4.5830%3,113
Net charge-offs to loans0.1448%1,118
Credit loss provision to net charge-offs94.2408%2,352
Earnings coverage of net charge-offs (x)21.9267%1,890
Efficiency ratio58.2078%3,908
Assets per employee ($millions)4.4686%3,259
Cash dividends to net income (ytd only)*76.3986%759
Condition Ratios (%)
Loss allowance to loans1.6506%903
Loan loss allowance to noncurrent loans338.1119%1,367
Noncurrent assets plus other real estate owned to assets0.4498%2,722
Noncurrent loans to loans0.4882%2,834
Net loans and leases to total assets64.4715%3,240
Net loans and leases to deposits73.3222%3,531
Net loans and leases to core deposits76.5389%3,658
Total domestic deposits to total assets87.9290%1,061
Equity capital to assets10.5586%3,496
Core capital (leverage) ratio10.3781%3,227
Tier 1 risk-based capital ratio17.7289%1,893
Total risk-based capital ratio18.9862%1,844
Memoranda:
Average total assets$266,044,5002,371
Average earning assets$250,893,0002,351
Average equity$27,492,2502,539
Average total loans$175,926,7502,385
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0687%1,303
Cost of funding earning assets0.6803%3,275
Net interest margin4.3884%963
Noninterest income to average assets0.8901%1,094
Noninterest expense to average assets2.9221%2,221
Loan and lease loss provision to assets0.0897%2,051
Net operating income to assets2.0207%374
Return on assets (ROA)2.0199%397
Pretax return on assets2.0199%656
Return on Equity (ROE)19.6914%275
Retained earnings to average equity (ytd only)4.5849%2,985
Net charge-offs to loans0.1330%1,137
Credit loss provision to net charge-offs101.7094%1,937
Earnings coverage of net charge-offs (x)23.9316%1,640
Efficiency ratio58.0650%4,000
Assets per employee ($millions)4.6823%2,901
Cash dividends to net income (ytd only)*76.7164%908
Condition Ratios (%)
Loss allowance to loans1.6511%918
Loan loss allowance to noncurrent loans291.8838%1,607
Noncurrent assets plus other real estate owned to assets0.5733%2,292
Noncurrent loans to loans0.5657%2,566
Net loans and leases to total assets65.0121%3,237
Net loans and leases to deposits73.7705%3,538
Net loans and leases to core deposits76.7162%3,669
Total domestic deposits to total assets88.1274%1,042
Equity capital to assets10.4334%3,582
Core capital (leverage) ratio10.1948%3,387
Tier 1 risk-based capital ratio17.2805%2,002
Total risk-based capital ratio18.5380%1,954
Memoranda:
Average total assets$265,354,6702,383
Average earning assets$250,478,0002,362
Average equity$27,220,0002,554
Average total loans$175,983,0002,391
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9305%1,519
Cost of funding earning assets0.6075%3,527
Net interest margin4.3230%1,055
Noninterest income to average assets0.8693%1,121
Noninterest expense to average assets2.9435%2,148
Loan and lease loss provision to assets0.0892%1,928
Net operating income to assets1.9245%441
Return on assets (ROA)1.9230%455
Pretax return on assets1.9230%753
Return on Equity (ROE)18.9096%335
Retained earnings to average equity (ytd only)12.9929%466
Net charge-offs to loans0.0979%1,160
Credit loss provision to net charge-offs137.2093%1,313
Earnings coverage of net charge-offs (x)30.9767%1,314
Efficiency ratio59.3779%3,893
Assets per employee ($millions)4.5027%3,191
Cash dividends to net income (ytd only)*31.2893%2,191
Condition Ratios (%)
Loss allowance to loans1.6619%935
Loan loss allowance to noncurrent loans182.8857%2,329
Noncurrent assets plus other real estate owned to assets0.7514%1,874
Noncurrent loans to loans0.9087%1,839
Net loans and leases to total assets64.1300%3,270
Net loans and leases to deposits72.5552%3,563
Net loans and leases to core deposits75.1549%3,722
Total domestic deposits to total assets88.3879%1,138
Equity capital to assets10.1847%3,639
Core capital (leverage) ratio10.6122%2,930
Tier 1 risk-based capital ratio17.5007%1,941
Total risk-based capital ratio18.7584%1,889
Memoranda:
Average total assets$264,586,0002,404
Average earning assets$250,198,5002,379
Average equity$26,907,0002,577
Average total loans$175,762,0002,416
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8380%1,451
Cost of funding earning assets0.4119%3,914
Net interest margin4.4261%884
Noninterest income to average assets0.9229%1,124
Noninterest expense to average assets2.8357%2,564
Loan and lease loss provision to assets0.0928%2,296
Net operating income to assets2.1882%258
Return on assets (ROA)2.1839%251
Pretax return on assets2.1839%368
Return on Equity (ROE)21.1896%190
Retained earnings to average equity (ytd only)0.6005%4,829
Net charge-offs to loans0.0651%2,191
Credit loss provision to net charge-offs210.5263%1,376
Earnings coverage of net charge-offs (x)51.7281%1,112
Efficiency ratio55.4203%4,472
Assets per employee ($millions)4.3169%3,435
Cash dividends to net income (ytd only)*97.1661%307
Condition Ratios (%)
Loss allowance to loans1.6602%904
Loan loss allowance to noncurrent loans338.8824%1,488
Noncurrent assets plus other real estate owned to assets0.4903%2,615
Noncurrent loans to loans0.4899%2,804
Net loans and leases to total assets66.5727%3,051
Net loans and leases to deposits75.2581%3,406
Net loans and leases to core deposits78.1795%3,566
Total domestic deposits to total assets88.4593%1,089
Equity capital to assets10.1535%3,523
Core capital (leverage) ratio10.2805%3,272
Tier 1 risk-based capital ratio16.9924%2,072
Total risk-based capital ratio18.2496%2,016
Memoranda:
Average total assets$258,527,8002,411
Average earning assets$244,956,4002,379
Average equity$26,645,2002,528
Average total loans$175,174,4002,375
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7570%1,528
Cost of funding earning assets0.3805%3,992
Net interest margin4.3765%947
Noninterest income to average assets0.9014%1,197
Noninterest expense to average assets2.8296%2,532
Loan and lease loss provision to assets0.0929%2,122
Net operating income to assets2.1273%291
Return on assets (ROA)2.1253%288
Pretax return on assets2.1253%454
Return on Equity (ROE)20.5443%240
Retained earnings to average equity (ytd only)4.8081%3,340
Net charge-offs to loans0.0655%1,893
Credit loss provision to net charge-offs209.3023%1,335
Earnings coverage of net charge-offs (x)50.0365%1,174
Efficiency ratio56.0335%4,389
Assets per employee ($millions)4.2931%3,433
Cash dividends to net income (ytd only)*76.5963%655
Condition Ratios (%)
Loss allowance to loans1.6169%1,036
Loan loss allowance to noncurrent loans499.6528%1,096
Noncurrent assets plus other real estate owned to assets0.3330%3,349
Noncurrent loans to loans0.3236%3,512
Net loans and leases to total assets66.8680%3,082
Net loans and leases to deposits76.8489%3,340
Net loans and leases to core deposits79.8481%3,502
Total domestic deposits to total assets87.0124%1,723
Equity capital to assets10.2627%3,388
Core capital (leverage) ratio10.5955%2,985
Tier 1 risk-based capital ratio17.1988%2,021
Total risk-based capital ratio18.4554%1,972
Memoranda:
Average total assets$258,406,5002,423
Average earning assets$244,938,7502,389
Average equity$26,731,7502,536
Average total loans$175,132,2502,386
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6865%1,538
Cost of funding earning assets0.3541%4,048
Net interest margin4.3323%974
Noninterest income to average assets0.8902%1,211
Noninterest expense to average assets2.8439%2,519
Loan and lease loss provision to assets0.0925%2,063
Net operating income to assets2.0626%329
Return on assets (ROA)2.0626%326
Pretax return on assets2.0626%523
Return on Equity (ROE)19.8848%277
Retained earnings to average equity (ytd only)4.7445%3,212
Net charge-offs to loans0.0735%1,598
Credit loss provision to net charge-offs185.9375%1,370
Earnings coverage of net charge-offs (x)43.3125%1,239
Efficiency ratio56.8896%4,376
Assets per employee ($millions)4.5702%3,012
Cash dividends to net income (ytd only)*76.1402%810
Condition Ratios (%)
Loss allowance to loans1.6172%1,067
Loan loss allowance to noncurrent loans494.0870%1,101
Noncurrent assets plus other real estate owned to assets0.3301%3,439
Noncurrent loans to loans0.3273%3,529
Net loans and leases to total assets66.3470%3,090
Net loans and leases to deposits75.0345%3,436
Net loans and leases to core deposits77.5686%3,612
Total domestic deposits to total assets88.4220%1,174
Equity capital to assets10.2214%3,426
Core capital (leverage) ratio10.5494%2,981
Tier 1 risk-based capital ratio17.2042%2,028
Total risk-based capital ratio18.4606%1,979
Memoranda:
Average total assets$257,248,6702,449
Average earning assets$243,979,3302,404
Average equity$26,683,6702,551
Average total loans$174,179,0002,405
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6055%1,548
Cost of funding earning assets0.3248%4,170
Net interest margin4.2806%979
Noninterest income to average assets0.8872%1,181
Noninterest expense to average assets2.8652%2,484
Loan and lease loss provision to assets0.0923%1,969
Net operating income to assets1.9920%382
Return on assets (ROA)1.9920%381
Pretax return on assets1.9920%577
Return on Equity (ROE)19.0626%315
Retained earnings to average equity (ytd only)16.5918%215
Net charge-offs to loans0.0577%1,527
Credit loss provision to net charge-offs236.0000%945
Earnings coverage of net charge-offs (x)53.2800%916
Efficiency ratio57.8881%4,354
Assets per employee ($millions)4.3839%3,345
Cash dividends to net income (ytd only)*12.9615%2,546
Condition Ratios (%)
Loss allowance to loans1.6170%1,121
Loan loss allowance to noncurrent loans394.6779%1,336
Noncurrent assets plus other real estate owned to assets0.3735%3,331
Noncurrent loans to loans0.4097%3,311
Net loans and leases to total assets66.2900%2,988
Net loans and leases to deposits75.2145%3,298
Net loans and leases to core deposits77.5282%3,534
Total domestic deposits to total assets88.1345%1,544
Equity capital to assets10.5188%3,058
Core capital (leverage) ratio10.9242%2,517
Tier 1 risk-based capital ratio17.8408%1,882
Total risk-based capital ratio19.0975%1,828
Memoranda:
Average total assets$255,621,5002,478
Average earning assets$242,582,0002,431
Average equity$26,712,0002,571
Average total loans$173,430,0002,432
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6225%1,366
Cost of funding earning assets0.3085%4,053
Net interest margin4.3140%937
Noninterest income to average assets0.9483%1,146
Noninterest expense to average assets2.9643%2,263
Loan and lease loss provision to assets0.1007%2,212
Net operating income to assets1.9778%295
Return on assets (ROA)1.9778%299
Pretax return on assets1.9778%517
Return on Equity (ROE)19.4476%214
Retained earnings to average equity (ytd only)8.5298%611
Net charge-offs to loans0.1317%1,737
Credit loss provision to net charge-offs111.7117%2,331
Earnings coverage of net charge-offs (x)23.0541%1,827
Efficiency ratio58.7823%4,437
Assets per employee ($millions)4.2812%3,521
Cash dividends to net income (ytd only)*56.1396%1,958
Condition Ratios (%)
Loss allowance to loans1.6137%1,108
Loan loss allowance to noncurrent loans422.6100%1,273
Noncurrent assets plus other real estate owned to assets0.3702%3,387
Noncurrent loans to loans0.3818%3,384
Net loans and leases to total assets67.2220%2,933
Net loans and leases to deposits76.1617%3,316
Net loans and leases to core deposits78.2927%3,563
Total domestic deposits to total assets88.2621%1,367
Equity capital to assets10.3791%3,296
Core capital (leverage) ratio10.5495%2,785
Tier 1 risk-based capital ratio17.2840%2,002
Total risk-based capital ratio18.5412%1,949
Memoranda:
Average total assets$246,231,6002,514
Average earning assets$233,705,0002,471
Average equity$25,041,6002,672
Average total loans$168,580,6002,436
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5883%1,400
Cost of funding earning assets0.3027%4,101
Net interest margin4.2856%959
Noninterest income to average assets0.9020%1,266
Noninterest expense to average assets2.9801%2,162
Loan and lease loss provision to assets0.0583%2,918
Net operating income to assets1.9304%358
Return on assets (ROA)1.9304%364
Pretax return on assets1.9304%635
Return on Equity (ROE)19.0827%275
Retained earnings to average equity (ytd only)4.3532%3,313
Net charge-offs to loans0.1528%1,330
Credit loss provision to net charge-offs55.7292%2,849
Earnings coverage of net charge-offs (x)19.0055%2,020
Efficiency ratio59.9759%4,220
Assets per employee ($millions)4.2779%3,512
Cash dividends to net income (ytd only)*77.1880%730
Condition Ratios (%)
Loss allowance to loans1.5587%1,334
Loan loss allowance to noncurrent loans399.1045%1,269
Noncurrent assets plus other real estate owned to assets0.3797%3,509
Noncurrent loans to loans0.3905%3,555
Net loans and leases to total assets68.0646%2,835
Net loans and leases to deposits76.9243%3,279
Net loans and leases to core deposits79.2315%3,517
Total domestic deposits to total assets88.4826%1,131
Equity capital to assets10.1274%3,766
Core capital (leverage) ratio10.2490%3,256
Tier 1 risk-based capital ratio16.7406%2,234
Total risk-based capital ratio17.9972%2,186
Memoranda:
Average total assets$244,641,2502,548
Average earning assets$232,148,7502,492
Average equity$24,747,7502,709
Average total loans$167,580,0002,463
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5250%1,454
Cost of funding earning assets0.2961%4,119
Net interest margin4.2290%1,013
Noninterest income to average assets0.8838%1,319
Noninterest expense to average assets2.9563%2,246
Loan and lease loss provision to assets0.0370%3,268
Net operating income to assets1.9032%372
Return on assets (ROA)1.9032%383
Pretax return on assets1.9032%645
Return on Equity (ROE)18.8213%275
Retained earnings to average equity (ytd only)4.4921%3,038
Net charge-offs to loans0.2081%980
Credit loss provision to net charge-offs26.0116%2,748
Earnings coverage of net charge-offs (x)13.6532%2,119
Efficiency ratio60.3758%4,267
Assets per employee ($millions)4.2929%3,445
Cash dividends to net income (ytd only)*76.1329%949
Condition Ratios (%)
Loss allowance to loans1.5703%1,330
Loan loss allowance to noncurrent loans326.7081%1,474
Noncurrent assets plus other real estate owned to assets0.4325%3,380
Noncurrent loans to loans0.4806%3,309
Net loans and leases to total assets66.2084%3,072
Net loans and leases to deposits74.6414%3,481
Net loans and leases to core deposits76.9464%3,686
Total domestic deposits to total assets88.7020%1,103
Equity capital to assets10.0004%3,908
Core capital (leverage) ratio10.1275%3,366
Tier 1 risk-based capital ratio16.8941%2,181
Total risk-based capital ratio18.1508%2,140
Memoranda:
Average total assets$243,481,6702,565
Average earning assets$231,025,6702,516
Average equity$24,621,0002,729
Average total loans$166,254,6702,483
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4913%1,391
Cost of funding earning assets0.2854%4,194
Net interest margin4.2059%976
Noninterest income to average assets0.8906%1,274
Noninterest expense to average assets2.9909%2,186
Loan and lease loss provision to assets0.0366%3,066
Net operating income to assets1.8544%405
Return on assets (ROA)1.8544%419
Pretax return on assets1.8544%714
Return on Equity (ROE)18.2342%322
Retained earnings to average equity (ytd only)4.1174%3,401
Net charge-offs to loans0.1497%1,064
Credit loss provision to net charge-offs35.4839%2,086
Earnings coverage of net charge-offs (x)18.3548%1,569
Efficiency ratio61.2662%4,272
Assets per employee ($millions)4.2744%3,539
Cash dividends to net income (ytd only)*77.4194%1,012
Condition Ratios (%)
Loss allowance to loans1.6326%1,307
Loan loss allowance to noncurrent loans241.6000%1,941
Noncurrent assets plus other real estate owned to assets0.4804%3,296
Noncurrent loans to loans0.6758%2,825
Net loans and leases to total assets66.0552%2,961
Net loans and leases to deposits74.4021%3,365
Net loans and leases to core deposits76.4450%3,613
Total domestic deposits to total assets88.7813%1,269
Equity capital to assets9.9275%3,848
Core capital (leverage) ratio10.3478%3,063
Tier 1 risk-based capital ratio17.0128%2,175
Total risk-based capital ratio18.2704%2,129
Memoranda:
Average total assets$240,727,0002,609
Average earning assets$228,442,5002,565
Average equity$24,481,5002,752
Average total loans$165,640,5002,506
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6849%1,090
Cost of funding earning assets0.2836%4,229
Net interest margin4.4013%772
Noninterest income to average assets0.8952%1,426
Noninterest expense to average assets3.1616%1,874
Loan and lease loss provision to assets0.0829%2,697
Net operating income to assets1.8246%424
Return on assets (ROA)1.8246%443
Pretax return on assets1.8246%749
Return on Equity (ROE)17.2835%378
Retained earnings to average equity (ytd only)4.7760%2,491
Net charge-offs to loans0.0953%2,340
Credit loss provision to net charge-offs121.1538%2,191
Earnings coverage of net charge-offs (x)27.8654%1,496
Efficiency ratio62.3702%4,190
Assets per employee ($millions)3.8923%4,156
Cash dividends to net income (ytd only)*72.3665%1,202
Condition Ratios (%)
Loss allowance to loans1.6741%1,189
Loan loss allowance to noncurrent loans303.5204%1,626
Noncurrent assets plus other real estate owned to assets0.4316%3,541
Noncurrent loans to loans0.5516%3,194
Net loans and leases to total assets69.3860%2,566
Net loans and leases to deposits78.6123%3,029
Net loans and leases to core deposits80.3517%3,368
Total domestic deposits to total assets88.2635%1,504
Equity capital to assets10.4270%3,238
Core capital (leverage) ratio10.5532%2,825
Tier 1 risk-based capital ratio17.3386%2,050
Total risk-based capital ratio18.5972%2,006
Memoranda:
Average total assets$227,890,6002,684
Average earning assets$216,117,6002,639
Average equity$24,057,6002,795
Average total loans$163,770,4002,481
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6919%1,084
Cost of funding earning assets0.2825%4,277
Net interest margin4.4094%763
Noninterest income to average assets0.8819%1,465
Noninterest expense to average assets3.1843%1,817
Loan and lease loss provision to assets0.0542%3,178
Net operating income to assets1.8244%462
Return on assets (ROA)1.8244%489
Pretax return on assets1.8244%853
Return on Equity (ROE)17.2276%426
Retained earnings to average equity (ytd only)5.5035%2,478
Net charge-offs to loans0.0930%2,022
Credit loss provision to net charge-offs80.7018%2,653
Earnings coverage of net charge-offs (x)27.9905%1,548
Efficiency ratio62.8953%4,089
Assets per employee ($millions)3.7668%4,365
Cash dividends to net income (ytd only)*68.0542%1,099
Condition Ratios (%)
Loss allowance to loans1.6379%1,360
Loan loss allowance to noncurrent loans262.5243%1,816
Noncurrent assets plus other real estate owned to assets0.4944%3,469
Noncurrent loans to loans0.6239%3,141
Net loans and leases to total assets70.6714%2,394
Net loans and leases to deposits80.2604%2,928
Net loans and leases to core deposits82.1800%3,265
Total domestic deposits to total assets88.0527%1,376
Equity capital to assets10.5834%3,472
Core capital (leverage) ratio10.7461%2,734
Tier 1 risk-based capital ratio17.4756%2,089
Total risk-based capital ratio18.7345%2,047
Memoranda:
Average total assets$226,479,0002,707
Average earning assets$214,747,0002,660
Average equity$23,984,2502,818
Average total loans$163,512,7502,482
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6619%1,140
Cost of funding earning assets0.2825%4,322
Net interest margin4.3794%791
Noninterest income to average assets0.8341%1,601
Noninterest expense to average assets3.1911%1,834
Loan and lease loss provision to assets0.0390%3,374
Net operating income to assets1.7579%517
Return on assets (ROA)1.7579%548
Pretax return on assets1.7579%965
Return on Equity (ROE)16.5962%472
Retained earnings to average equity (ytd only)5.7806%2,253
Net charge-offs to loans0.0491%2,500
Credit loss provision to net charge-offs110.0000%1,960
Earnings coverage of net charge-offs (x)50.6250%987
Efficiency ratio63.9744%4,020
Assets per employee ($millions)3.8095%4,248
Cash dividends to net income (ytd only)*65.1691%1,338
Condition Ratios (%)
Loss allowance to loans1.6611%1,365
Loan loss allowance to noncurrent loans246.3899%1,920
Noncurrent assets plus other real estate owned to assets0.5058%3,525
Noncurrent loans to loans0.6742%3,047
Net loans and leases to total assets70.7101%2,366
Net loans and leases to deposits80.2431%2,900
Net loans and leases to core deposits82.1674%3,252
Total domestic deposits to total assets88.1199%1,372
Equity capital to assets10.5291%3,608
Core capital (leverage) ratio10.6509%2,792
Tier 1 risk-based capital ratio17.1508%2,166
Total risk-based capital ratio18.4096%2,125
Memoranda:
Average total assets$225,380,0002,732
Average earning assets$213,773,3302,675
Average equity$23,873,0002,845
Average total loans$162,987,0002,497
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6641%1,120
Cost of funding earning assets0.2809%4,378
Net interest margin4.3832%768
Noninterest income to average assets0.8097%1,586
Noninterest expense to average assets3.2263%1,770
Loan and lease loss provision to assets0.0375%3,157
Net operating income to assets1.7016%576
Return on assets (ROA)1.7016%616
Pretax return on assets1.7016%1,065
Return on Equity (ROE)16.0158%531
Retained earnings to average equity (ytd only)16.0158%192
Net charge-offs to loans0.0394%2,210
Credit loss provision to net charge-offs131.2500%1,360
Earnings coverage of net charge-offs (x)60.8125%771
Efficiency ratio64.9748%3,980
Assets per employee ($millions)3.6447%4,568
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.6849%1,398
Loan loss allowance to noncurrent loans282.7122%1,694
Noncurrent assets plus other real estate owned to assets0.4487%3,794
Noncurrent loans to loans0.5960%3,397
Net loans and leases to total assets70.5217%2,263
Net loans and leases to deposits80.0808%2,781
Net loans and leases to core deposits82.1426%3,119
Total domestic deposits to total assets88.0632%1,605
Equity capital to assets10.7451%3,209
Core capital (leverage) ratio10.9194%2,476
Tier 1 risk-based capital ratio17.5812%2,098
Total risk-based capital ratio18.8402%2,066
Memoranda:
Average total assets$223,786,5002,750
Average earning assets$212,176,0002,696
Average equity$23,776,5002,854
Average total loans$162,305,5002,503
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8385%865
Cost of funding earning assets0.2861%4,405
Net interest margin4.5524%602
Noninterest income to average assets0.8980%1,447
Noninterest expense to average assets3.1657%2,047
Loan and lease loss provision to assets0.0469%3,386
Net operating income to assets2.0033%342
Return on assets (ROA)2.0033%350
Pretax return on assets2.0033%536
Return on Equity (ROE)19.0630%303
Retained earnings to average equity (ytd only)7.0605%1,256
Net charge-offs to loans0.0749%2,756
Credit loss provision to net charge-offs84.0336%2,882
Earnings coverage of net charge-offs (x)36.7563%1,258
Efficiency ratio60.6937%4,802
Assets per employee ($millions)3.6328%4,588
Cash dividends to net income (ytd only)*62.9621%1,595
Condition Ratios (%)
Loss allowance to loans1.6773%1,403
Loan loss allowance to noncurrent loans357.7428%1,401
Noncurrent assets plus other real estate owned to assets0.4436%3,842
Noncurrent loans to loans0.4689%3,785
Net loans and leases to total assets72.1092%2,034
Net loans and leases to deposits81.9347%2,594
Net loans and leases to core deposits84.0915%2,956
Total domestic deposits to total assets88.0081%1,625
Equity capital to assets10.5018%3,360
Core capital (leverage) ratio10.7004%2,707
Tier 1 risk-based capital ratio17.0078%2,279
Total risk-based capital ratio18.2669%2,224
Memoranda:
Average total assets$213,352,4002,804
Average earning assets$202,354,4002,756
Average equity$22,420,4002,924
Average total loans$158,907,2002,488
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8483%857
Cost of funding earning assets0.2868%4,481
Net interest margin4.5615%580
Noninterest income to average assets0.8866%1,491
Noninterest expense to average assets3.1697%2,048
Loan and lease loss provision to assets0.0568%3,051
Net operating income to assets1.9852%373
Return on assets (ROA)1.9852%384
Pretax return on assets1.9852%611
Return on Equity (ROE)18.8880%342
Retained earnings to average equity (ytd only)2.7257%4,476
Net charge-offs to loans0.0489%2,915
Credit loss provision to net charge-offs155.1724%1,638
Earnings coverage of net charge-offs (x)55.7941%966
Efficiency ratio60.8185%4,773
Assets per employee ($millions)3.4182%4,948
Cash dividends to net income (ytd only)*85.5689%627
Condition Ratios (%)
Loss allowance to loans1.7324%1,400
Loan loss allowance to noncurrent loans227.2504%2,034
Noncurrent assets plus other real estate owned to assets0.6384%3,345
Noncurrent loans to loans0.7623%3,057
Net loans and leases to total assets74.3284%1,674
Net loans and leases to deposits84.6303%2,327
Net loans and leases to core deposits86.7859%2,776
Total domestic deposits to total assets87.8272%1,645
Equity capital to assets10.5091%3,593
Core capital (leverage) ratio10.3268%3,224
Tier 1 risk-based capital ratio16.4594%2,598
Total risk-based capital ratio17.7192%2,551
Memoranda:
Average total assets$211,290,5002,848
Average earning assets$200,340,2502,797
Average equity$22,207,5002,966
Average total loans$158,004,0002,503
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8074%881
Cost of funding earning assets0.2868%4,538
Net interest margin4.5205%616
Noninterest income to average assets0.8679%1,546
Noninterest expense to average assets3.1240%2,180
Loan and lease loss provision to assets0.0569%2,961
Net operating income to assets1.9727%382
Return on assets (ROA)1.9727%398
Pretax return on assets1.9727%627
Return on Equity (ROE)18.7686%353
Retained earnings to average equity (ytd only)4.4082%3,208
Net charge-offs to loans0.0471%2,758
Credit loss provision to net charge-offs162.1622%1,455
Earnings coverage of net charge-offs (x)57.8919%857
Efficiency ratio60.6178%4,890
Assets per employee ($millions)3.5351%4,728
Cash dividends to net income (ytd only)*76.5130%1,010
Condition Ratios (%)
Loss allowance to loans1.7354%1,528
Loan loss allowance to noncurrent loans282.4490%1,690
Noncurrent assets plus other real estate owned to assets0.4985%3,955
Noncurrent loans to loans0.6144%3,624
Net loans and leases to total assets72.6840%1,866
Net loans and leases to deposits82.5956%2,483
Net loans and leases to core deposits84.7693%2,906
Total domestic deposits to total assets87.9999%1,655
Equity capital to assets10.3256%3,656
Core capital (leverage) ratio10.2885%3,229
Tier 1 risk-based capital ratio16.5994%2,568
Total risk-based capital ratio17.8596%2,516
Memoranda:
Average total assets$211,077,0002,872
Average earning assets$200,109,6702,816
Average equity$22,186,0002,980
Average total loans$157,238,0002,519
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7941%872
Cost of funding earning assets0.2811%4,660
Net interest margin4.5131%593
Noninterest income to average assets0.7835%1,768
Noninterest expense to average assets3.1284%2,183
Loan and lease loss provision to assets0.0575%2,783
Net operating income to assets1.8736%424
Return on assets (ROA)1.8736%449
Pretax return on assets1.8736%751
Return on Equity (ROE)17.6646%421
Retained earnings to average equity (ytd only)14.9553%289
Net charge-offs to loans0.0871%1,849
Credit loss provision to net charge-offs88.2353%1,756
Earnings coverage of net charge-offs (x)29.6471%1,160
Efficiency ratio61.8326%4,824
Assets per employee ($millions)3.9555%4,048
Cash dividends to net income (ytd only)*15.3374%2,642
Condition Ratios (%)
Loss allowance to loans1.7543%1,606
Loan loss allowance to noncurrent loans343.0538%1,393
Noncurrent assets plus other real estate owned to assets0.4635%4,176
Noncurrent loans to loans0.5114%4,046
Net loans and leases to total assets71.8673%1,825
Net loans and leases to deposits81.9314%2,341
Net loans and leases to core deposits83.9366%2,777
Total domestic deposits to total assets87.7165%1,978
Equity capital to assets10.5934%3,433
Core capital (leverage) ratio10.8145%2,609
Tier 1 risk-based capital ratio17.4494%2,318
Total risk-based capital ratio18.7100%2,271
Memoranda:
Average total assets$208,796,0002,923
Average earning assets$197,825,0002,860
Average equity$22,146,0003,005
Average total loans$156,105,5002,538
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1682%553
Cost of funding earning assets0.3033%4,757
Net interest margin4.8650%380
Noninterest income to average assets0.8571%1,654
Noninterest expense to average assets3.2239%2,147
Loan and lease loss provision to assets0.0608%3,309
Net operating income to assets2.1608%242
Return on assets (ROA)2.1608%245
Pretax return on assets2.1608%351
Return on Equity (ROE)20.3149%235
Retained earnings to average equity (ytd only)5.8831%1,996
Net charge-offs to loans0.0997%3,085
Credit loss provision to net charge-offs78.9474%2,885
Earnings coverage of net charge-offs (x)28.8684%1,381
Efficiency ratio59.2042%5,319
Assets per employee ($millions)3.7777%4,390
Cash dividends to net income (ytd only)*71.0403%1,249
Condition Ratios (%)
Loss allowance to loans1.7600%1,629
Loan loss allowance to noncurrent loans714.8438%797
Noncurrent assets plus other real estate owned to assets0.2652%4,968
Noncurrent loans to loans0.2462%4,949
Net loans and leases to total assets75.1089%1,401
Net loans and leases to deposits85.5868%2,032
Net loans and leases to core deposits87.8878%2,512
Total domestic deposits to total assets87.7577%1,891
Equity capital to assets10.6203%3,332
Core capital (leverage) ratio10.7455%2,673
Tier 1 risk-based capital ratio16.8615%2,569
Total risk-based capital ratio18.1222%2,508
Memoranda:
Average total assets$197,522,2003,026
Average earning assets$186,291,4002,955
Average equity$21,009,2003,053
Average total loans$152,491,0002,542
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2023%522
Cost of funding earning assets0.3070%4,822
Net interest margin4.8953%348
Noninterest income to average assets0.9181%1,455
Noninterest expense to average assets3.3839%1,712
Loan and lease loss provision to assets0.0613%3,134
Net operating income to assets2.0853%294
Return on assets (ROA)2.0853%302
Pretax return on assets2.0853%471
Return on Equity (ROE)19.5979%306
Retained earnings to average equity (ytd only)2.2003%4,957
Net charge-offs to loans0.0747%3,130
Credit loss provision to net charge-offs105.8824%2,098
Earnings coverage of net charge-offs (x)37.1061%1,189
Efficiency ratio61.1863%5,008
Assets per employee ($millions)3.5988%4,681
Cash dividends to net income (ytd only)*88.7730%553
Condition Ratios (%)
Loss allowance to loans1.8177%1,656
Loan loss allowance to noncurrent loans715.1671%740
Noncurrent assets plus other real estate owned to assets0.3213%4,986
Noncurrent loans to loans0.2542%5,146
Net loans and leases to total assets75.9185%1,235
Net loans and leases to deposits86.6387%1,838
Net loans and leases to core deposits89.0450%2,320
Total domestic deposits to total assets87.6266%1,965
Equity capital to assets10.4844%3,584
Core capital (leverage) ratio10.5411%2,998
Tier 1 risk-based capital ratio16.4500%2,832
Total risk-based capital ratio17.7114%2,781
Memoranda:
Average total assets$195,903,5003,063
Average earning assets$184,579,7503,005
Average equity$20,845,2503,079
Average total loans$151,622,5002,553
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1957%514
Cost of funding earning assets0.3058%4,915
Net interest margin4.8899%350
Noninterest income to average assets0.9251%1,409
Noninterest expense to average assets3.4042%1,671
Loan and lease loss provision to assets0.0615%3,036
Net operating income to assets2.0622%293
Return on assets (ROA)2.0622%308
Pretax return on assets2.0622%474
Return on Equity (ROE)19.2850%339
Retained earnings to average equity (ytd only)3.4489%4,006
Net charge-offs to loans0.0900%2,782
Credit loss provision to net charge-offs88.2353%2,212
Earnings coverage of net charge-offs (x)30.4853%1,247
Efficiency ratio61.5827%5,065
Assets per employee ($millions)3.5197%4,806
Cash dividends to net income (ytd only)*82.1162%844
Condition Ratios (%)
Loss allowance to loans1.8164%1,805
Loan loss allowance to noncurrent loans537.6699%864
Noncurrent assets plus other real estate owned to assets0.4033%4,802
Noncurrent loans to loans0.3378%5,003
Net loans and leases to total assets75.9364%1,176
Net loans and leases to deposits86.7353%1,743
Net loans and leases to core deposits89.3437%2,182
Total domestic deposits to total assets87.5497%2,170
Equity capital to assets10.5534%3,376
Core capital (leverage) ratio10.5172%2,925
Tier 1 risk-based capital ratio16.6355%2,767
Total risk-based capital ratio17.8973%2,730
Memoranda:
Average total assets$195,227,3303,089
Average earning assets$183,765,6703,034
Average equity$20,876,3303,075
Average total loans$151,147,0002,564
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1528%533
Cost of funding earning assets0.3062%5,002
Net interest margin4.8466%356
Noninterest income to average assets0.9306%1,303
Noninterest expense to average assets3.3929%1,721
Loan and lease loss provision to assets0.0597%2,915
Net operating income to assets2.0403%316
Return on assets (ROA)2.0403%328
Pretax return on assets2.0403%490
Return on Equity (ROE)18.9538%370
Retained earnings to average equity (ytd only)17.9975%183
Net charge-offs to loans0.1223%1,990
Credit loss provision to net charge-offs63.0435%2,078
Earnings coverage of net charge-offs (x)22.1739%1,261
Efficiency ratio61.7691%5,159
Assets per employee ($millions)3.4875%4,948
Cash dividends to net income (ytd only)*5.0454%2,774
Condition Ratios (%)
Loss allowance to loans1.8280%1,961
Loan loss allowance to noncurrent loans478.3362%978
Noncurrent assets plus other real estate owned to assets0.3235%5,180
Noncurrent loans to loans0.3822%4,976
Net loans and leases to total assets74.5620%1,178
Net loans and leases to deposits85.4063%1,679
Net loans and leases to core deposits88.1083%2,080
Total domestic deposits to total assets87.3026%2,637
Equity capital to assets10.7400%2,994
Core capital (leverage) ratio11.0243%2,367
Tier 1 risk-based capital ratio17.0149%2,680
Total risk-based capital ratio18.2704%2,634
Memoranda:
Average total assets$194,289,5003,117
Average earning assets$182,891,5003,067
Average equity$20,914,0003,063
Average total loans$150,499,5002,572
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4228%414
Cost of funding earning assets0.3165%5,452
Net interest margin5.1062%256
Noninterest income to average assets0.9960%1,406
Noninterest expense to average assets3.5001%1,646
Loan and lease loss provision to assets0.0827%3,464
Net operating income to assets2.1935%243
Return on assets (ROA)2.1935%248
Pretax return on assets2.1935%318
Return on Equity (ROE)21.0772%229
Retained earnings to average equity (ytd only)8.3585%939
Net charge-offs to loans0.0495%4,529
Credit loss provision to net charge-offs216.6667%1,066
Earnings coverage of net charge-offs (x)59.6389%690
Efficiency ratio60.5947%5,400
Assets per employee ($millions)3.3891%5,115
Cash dividends to net income (ytd only)*60.3432%1,745
Condition Ratios (%)
Loss allowance to loans1.8511%1,919
Loan loss allowance to noncurrent loans515.2134%944
Noncurrent assets plus other real estate owned to assets0.3188%5,303
Noncurrent loans to loans0.3593%5,109
Net loans and leases to total assets77.5810%874
Net loans and leases to deposits88.9357%1,359
Net loans and leases to core deposits91.8838%1,805
Total domestic deposits to total assets87.2327%2,612
Equity capital to assets10.7898%2,831
Core capital (leverage) ratio10.9018%2,474
Tier 1 risk-based capital ratio16.5526%2,824
Total risk-based capital ratio17.8149%2,787
Memoranda:
Average total assets$188,651,0003,177
Average earning assets$176,607,8003,120
Average equity$19,632,6003,196
Average total loans$145,510,4002,622
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4277%417
Cost of funding earning assets0.3203%5,552
Net interest margin5.1074%253
Noninterest income to average assets0.9980%1,460
Noninterest expense to average assets3.5002%1,613
Loan and lease loss provision to assets0.0694%3,676
Net operating income to assets2.2020%257
Return on assets (ROA)2.2020%265
Pretax return on assets2.2020%382
Return on Equity (ROE)21.3575%231
Retained earnings to average equity (ytd only)4.5791%3,416
Net charge-offs to loans0.0489%4,202
Credit loss provision to net charge-offs184.9057%1,308
Earnings coverage of net charge-offs (x)60.5514%754
Efficiency ratio60.6451%5,340
Assets per employee ($millions)3.3305%5,227
Cash dividends to net income (ytd only)*78.5600%830
Condition Ratios (%)
Loss allowance to loans1.8468%2,153
Loan loss allowance to noncurrent loans740.0000%630
Noncurrent assets plus other real estate owned to assets0.2772%5,614
Noncurrent loans to loans0.2496%5,604
Net loans and leases to total assets78.0240%742
Net loans and leases to deposits90.8439%1,079
Net loans and leases to core deposits93.5544%1,618
Total domestic deposits to total assets85.8880%3,325
Equity capital to assets10.4623%3,324
Core capital (leverage) ratio10.5174%2,986
Tier 1 risk-based capital ratio15.8888%3,255
Total risk-based capital ratio17.1048%3,221
Memoranda:
Average total assets$188,366,2503,210
Average earning assets$176,054,7503,157
Average equity$19,421,2503,254
Average total loans$144,383,5002,656
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3552%477
Cost of funding earning assets0.3253%5,611
Net interest margin5.0299%297
Noninterest income to average assets0.9884%1,563
Noninterest expense to average assets3.4796%1,650
Loan and lease loss provision to assets0.0794%3,473
Net operating income to assets2.1420%287
Return on assets (ROA)2.1420%301
Pretax return on assets2.1420%466
Return on Equity (ROE)20.8760%258
Retained earnings to average equity (ytd only)5.8379%2,530
Net charge-offs to loans0.0112%4,649
Credit loss provision to net charge-offs937.5000%329
Earnings coverage of net charge-offs (x)262.3750%195
Efficiency ratio61.0358%5,327
Assets per employee ($millions)3.3632%5,146
Cash dividends to net income (ytd only)*72.0356%1,132
Condition Ratios (%)
Loss allowance to loans1.9053%2,102
Loan loss allowance to noncurrent loans596.1123%736
Noncurrent assets plus other real estate owned to assets0.3212%5,514
Noncurrent loans to loans0.3196%5,494
Net loans and leases to total assets75.4483%1,046
Net loans and leases to deposits86.2791%1,547
Net loans and leases to core deposits88.6623%2,038
Total domestic deposits to total assets87.4467%2,566
Equity capital to assets10.3037%3,540
Core capital (leverage) ratio10.2039%3,223
Tier 1 risk-based capital ratio16.4326%2,965
Total risk-based capital ratio17.6960%2,918
Memoranda:
Average total assets$188,985,6703,207
Average earning assets$177,060,3303,156
Average equity$19,390,6703,282
Average total loans$143,091,6702,669
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3162%498
Cost of funding earning assets0.3306%5,718
Net interest margin4.9856%302
Noninterest income to average assets0.9952%1,472
Noninterest expense to average assets3.4505%1,721
Loan and lease loss provision to assets0.0951%3,080
Net operating income to assets2.1024%292
Return on assets (ROA)2.1024%319
Pretax return on assets2.1024%490
Return on Equity (ROE)20.5335%262
Retained earnings to average equity (ytd only)20.5335%122
Net charge-offs to loans0.0281%3,637
Credit loss provision to net charge-offs450.0000%585
Earnings coverage of net charge-offs (x)104.0000%366
Efficiency ratio61.0924%5,434
Assets per employee ($millions)3.3519%5,333
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.9340%2,210
Loan loss allowance to noncurrent loans1,074.0157%446
Noncurrent assets plus other real estate owned to assets0.2601%5,784
Noncurrent loans to loans0.1801%5,952
Net loans and leases to total assets72.4011%1,293
Net loans and leases to deposits82.8158%1,730
Net loans and leases to core deposits85.0715%2,208
Total domestic deposits to total assets87.4242%2,675
Equity capital to assets10.4021%3,668
Core capital (leverage) ratio10.4961%2,781
Tier 1 risk-based capital ratio17.0399%2,729
Total risk-based capital ratio18.2932%2,703
Memoranda:
Average total assets$189,308,0003,233
Average earning assets$176,667,5003,188
Average equity$19,383,0003,329
Average total loans$142,207,5002,692
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6442%467
Cost of funding earning assets0.3669%6,123
Net interest margin5.2773%240
Noninterest income to average assets1.0893%1,305
Noninterest expense to average assets3.5826%1,650
Loan and lease loss provision to assets0.2162%2,971
Net operating income to assets2.2364%237
Return on assets (ROA)2.2364%261
Pretax return on assets2.2364%379
Return on Equity (ROE)22.7573%193
Retained earnings to average equity (ytd only)11.2247%415
Net charge-offs to loans0.1375%4,315
Credit loss provision to net charge-offs206.8421%1,235
Earnings coverage of net charge-offs (x)23.4632%1,218
Efficiency ratio59.3619%5,638
Assets per employee ($millions)3.2338%5,554
Cash dividends to net income (ytd only)*50.6765%2,278
Condition Ratios (%)
Loss allowance to loans1.8785%2,357
Loan loss allowance to noncurrent loans658.4352%648
Noncurrent assets plus other real estate owned to assets0.2746%5,869
Noncurrent loans to loans0.2853%5,767
Net loans and leases to total assets74.9987%1,050
Net loans and leases to deposits85.6252%1,557
Net loans and leases to core deposits87.9701%2,088
Total domestic deposits to total assets87.5894%2,481
Equity capital to assets10.0726%4,072
Core capital (leverage) ratio10.2541%3,072
Tier 1 risk-based capital ratio16.1114%3,099
Total risk-based capital ratio17.3746%3,044
Memoranda:
Average total assets$181,765,8003,288
Average earning assets$170,350,8003,222
Average equity$17,862,4003,494
Average total loans$138,182,8002,737
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6738%487
Cost of funding earning assets0.3793%6,233
Net interest margin5.2945%245
Noninterest income to average assets1.0751%1,305
Noninterest expense to average assets3.5706%1,611
Loan and lease loss provision to assets0.1738%3,394
Net operating income to assets2.2951%241
Return on assets (ROA)2.2951%262
Pretax return on assets2.2951%403
Return on Equity (ROE)23.5079%179
Retained earnings to average equity (ytd only)7.9067%1,649
Net charge-offs to loans0.1188%4,185
Credit loss provision to net charge-offs192.6230%1,440
Earnings coverage of net charge-offs (x)27.3693%1,188
Efficiency ratio59.1210%5,642
Assets per employee ($millions)3.0921%5,874
Cash dividends to net income (ytd only)*66.3661%1,040
Condition Ratios (%)
Loss allowance to loans1.8633%2,606
Loan loss allowance to noncurrent loans342.0499%1,093
Noncurrent assets plus other real estate owned to assets0.5503%5,292
Noncurrent loans to loans0.5447%5,352
Net loans and leases to total assets76.4425%903
Net loans and leases to deposits87.3879%1,429
Net loans and leases to core deposits89.4450%2,054
Total domestic deposits to total assets87.4749%2,365
Equity capital to assets10.0115%4,480
Core capital (leverage) ratio9.8721%3,727
Tier 1 risk-based capital ratio15.6521%3,455
Total risk-based capital ratio16.9191%3,411
Memoranda:
Average total assets$180,317,7503,344
Average earning assets$169,078,2503,276
Average equity$17,605,0003,557
Average total loans$136,888,7502,793
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6493%537
Cost of funding earning assets0.3938%6,306
Net interest margin5.2556%261
Noninterest income to average assets1.0917%1,200
Noninterest expense to average assets3.5352%1,712
Loan and lease loss provision to assets0.1738%3,367
Net operating income to assets2.3184%229
Return on assets (ROA)2.3184%260
Pretax return on assets2.3184%398
Return on Equity (ROE)23.9474%182
Retained earnings to average equity (ytd only)8.2684%1,540
Net charge-offs to loans0.1442%3,765
Credit loss provision to net charge-offs160.2041%1,739
Earnings coverage of net charge-offs (x)22.9694%1,268
Efficiency ratio58.6517%5,780
Assets per employee ($millions)3.2616%5,534
Cash dividends to net income (ytd only)*65.4728%1,210
Condition Ratios (%)
Loss allowance to loans1.8511%2,698
Loan loss allowance to noncurrent loans285.4423%1,248
Noncurrent assets plus other real estate owned to assets0.5612%5,355
Noncurrent loans to loans0.6485%5,213
Net loans and leases to total assets73.9973%1,240
Net loans and leases to deposits84.2634%1,820
Net loans and leases to core deposits86.4921%2,364
Total domestic deposits to total assets87.8166%2,271
Equity capital to assets9.6551%4,818
Core capital (leverage) ratio9.5447%4,084
Tier 1 risk-based capital ratio15.5164%3,429
Total risk-based capital ratio16.7778%3,388
Memoranda:
Average total assets$180,642,3303,345
Average earning assets$169,648,6703,275
Average equity$17,488,3303,571
Average total loans$135,952,3302,817
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6813%536
Cost of funding earning assets0.4087%6,364
Net interest margin5.2726%266
Noninterest income to average assets1.0755%1,247
Noninterest expense to average assets3.5471%1,669
Loan and lease loss provision to assets0.2160%2,781
Net operating income to assets2.2534%257
Return on assets (ROA)2.2534%312
Pretax return on assets2.2534%490
Return on Equity (ROE)23.2443%236
Retained earnings to average equity (ytd only)22.0959%131
Net charge-offs to loans0.0829%3,672
Credit loss provision to net charge-offs346.4286%878
Earnings coverage of net charge-offs (x)39.6071%754
Efficiency ratio58.9563%5,777
Assets per employee ($millions)3.3685%5,409
Cash dividends to net income (ytd only)*4.9407%2,657
Condition Ratios (%)
Loss allowance to loans1.8870%2,720
Loan loss allowance to noncurrent loans248.2056%1,358
Noncurrent assets plus other real estate owned to assets0.6740%5,212
Noncurrent loans to loans0.7603%5,140
Net loans and leases to total assets73.1472%1,195
Net loans and leases to deposits83.2149%1,768
Net loans and leases to core deposits85.1431%2,392
Total domestic deposits to total assets87.9015%2,392
Equity capital to assets9.8302%4,335
Core capital (leverage) ratio9.9259%3,458
Tier 1 risk-based capital ratio15.7752%3,301
Total risk-based capital ratio17.0359%3,261
Memoranda:
Average total assets$179,638,5003,383
Average earning assets$168,342,5003,313
Average equity$17,415,0003,589
Average total loans$135,076,0002,852
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8799%545
Cost of funding earning assets0.5503%6,336
Net interest margin5.3297%229
Noninterest income to average assets1.0672%1,174
Noninterest expense to average assets3.5689%1,807
Loan and lease loss provision to assets0.2832%3,401
Net operating income to assets2.2089%223
Return on assets (ROA)2.2089%233
Pretax return on assets2.2089%364
Return on Equity (ROE)23.8151%140
Retained earnings to average equity (ytd only)11.8185%321
Net charge-offs to loans0.0954%5,394
Credit loss provision to net charge-offs388.2813%602
Earnings coverage of net charge-offs (x)34.1719%759
Efficiency ratio58.8832%5,922
Assets per employee ($millions)3.2848%5,542
Cash dividends to net income (ytd only)*50.3740%2,024
Condition Ratios (%)
Loss allowance to loans1.8508%2,707
Loan loss allowance to noncurrent loans266.0256%1,242
Noncurrent assets plus other real estate owned to assets0.6619%5,326
Noncurrent loans to loans0.6957%5,310
Net loans and leases to total assets74.4450%1,189
Net loans and leases to deposits84.4784%1,861
Net loans and leases to core deposits86.6833%2,545
Total domestic deposits to total assets88.1231%2,080
Equity capital to assets9.5553%4,798
Core capital (leverage) ratio9.5026%4,022
Tier 1 risk-based capital ratio15.2327%3,490
Total risk-based capital ratio16.4953%3,443
Memoranda:
Average total assets$175,514,2003,402
Average earning assets$164,457,2003,327
Average equity$16,279,6003,680
Average total loans$134,235,2002,915
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8801%584
Cost of funding earning assets0.5777%6,389
Net interest margin5.3024%246
Noninterest income to average assets1.0702%1,174
Noninterest expense to average assets3.5494%1,812
Loan and lease loss provision to assets0.2772%3,297
Net operating income to assets2.2142%251
Return on assets (ROA)2.2142%267
Pretax return on assets2.2142%416
Return on Equity (ROE)24.0556%164
Retained earnings to average equity (ytd only)17.1128%137
Net charge-offs to loans0.0875%5,100
Credit loss provision to net charge-offs413.6364%690
Earnings coverage of net charge-offs (x)37.1705%812
Efficiency ratio58.7568%5,897
Assets per employee ($millions)3.2174%5,635
Cash dividends to net income (ytd only)*28.8614%2,522
Condition Ratios (%)
Loss allowance to loans1.7923%2,974
Loan loss allowance to noncurrent loans160.8725%1,899
Noncurrent assets plus other real estate owned to assets0.9358%4,883
Noncurrent loans to loans1.1141%4,692
Net loans and leases to total assets74.2218%1,301
Net loans and leases to deposits84.6203%1,897
Net loans and leases to core deposits86.6547%2,692
Total domestic deposits to total assets87.7116%2,226
Equity capital to assets9.6832%4,800
Core capital (leverage) ratio9.6312%3,944
Tier 1 risk-based capital ratio15.4031%3,432
Total risk-based capital ratio16.6644%3,404
Memoranda:
Average total assets$175,048,2503,428
Average earning assets$164,096,2503,356
Average equity$16,112,2503,718
Average total loans$134,159,2502,938
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8740%617
Cost of funding earning assets0.6051%6,431
Net interest margin5.2689%252
Noninterest income to average assets1.1020%1,069
Noninterest expense to average assets3.4963%1,990
Loan and lease loss provision to assets0.2764%3,166
Net operating income to assets2.2716%232
Return on assets (ROA)2.2716%247
Pretax return on assets2.2716%365
Return on Equity (ROE)25.1215%131
Retained earnings to average equity (ytd only)15.1287%240
Net charge-offs to loans0.0253%5,468
Credit loss provision to net charge-offs1,417.6471%249
Earnings coverage of net charge-offs (x)130.7059%271
Efficiency ratio57.8448%6,183
Assets per employee ($millions)3.2397%5,547
Cash dividends to net income (ytd only)*39.7779%2,080
Condition Ratios (%)
Loss allowance to loans1.7482%3,158
Loan loss allowance to noncurrent loans150.5459%1,967
Noncurrent assets plus other real estate owned to assets0.9344%4,994
Noncurrent loans to loans1.1612%4,716
Net loans and leases to total assets73.9326%1,432
Net loans and leases to deposits83.7600%2,144
Net loans and leases to core deposits85.5879%2,979
Total domestic deposits to total assets88.2672%1,986
Equity capital to assets9.1316%5,381
Core capital (leverage) ratio9.0444%4,653
Tier 1 risk-based capital ratio14.6028%3,727
Total risk-based capital ratio15.8638%3,688
Memoranda:
Average total assets$174,412,3303,457
Average earning assets$163,601,6703,378
Average equity$15,771,3303,773
Average total loans$134,300,0002,957
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9311%556
Cost of funding earning assets0.6423%6,416
Net interest margin5.2889%226
Noninterest income to average assets1.0851%1,118
Noninterest expense to average assets3.4870%2,037
Loan and lease loss provision to assets0.2782%2,929
Net operating income to assets2.2837%235
Return on assets (ROA)2.2837%248
Pretax return on assets2.2837%354
Return on Equity (ROE)25.3841%157
Retained earnings to average equity (ytd only)24.0956%113
Net charge-offs to loans0.0357%4,599
Credit loss provision to net charge-offs1,000.0000%373
Earnings coverage of net charge-offs (x)92.0833%341
Efficiency ratio57.6466%6,307
Assets per employee ($millions)3.1455%5,842
Cash dividends to net income (ytd only)*5.0761%2,455
Condition Ratios (%)
Loss allowance to loans1.6581%3,495
Loan loss allowance to noncurrent loans209.2958%1,433
Noncurrent assets plus other real estate owned to assets0.6046%5,762
Noncurrent loans to loans0.7922%5,449
Net loans and leases to total assets75.0505%1,170
Net loans and leases to deposits85.1409%1,859
Net loans and leases to core deposits86.8440%2,753
Total domestic deposits to total assets88.1486%2,290
Equity capital to assets9.0770%5,082
Core capital (leverage) ratio9.1419%4,385
Tier 1 risk-based capital ratio14.3771%3,819
Total risk-based capital ratio15.6370%3,777
Memoranda:
Average total assets$172,526,5003,511
Average earning assets$161,925,0003,423
Average equity$15,521,5003,807
Average total loans$134,410,0002,994
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2665%492
Cost of funding earning assets0.8120%6,511
Net interest margin5.4544%186
Noninterest income to average assets1.0442%1,371
Noninterest expense to average assets3.6526%1,803
Loan and lease loss provision to assets0.3554%3,997
Net operating income to assets2.1242%222
Return on assets (ROA)2.1242%234
Pretax return on assets2.1242%377
Return on Equity (ROE)23.4427%128
Retained earnings to average equity (ytd only)9.0969%679
Net charge-offs to loans0.2464%4,815
Credit loss provision to net charge-offs183.3856%1,792
Earnings coverage of net charge-offs (x)12.7962%1,466
Efficiency ratio59.5641%6,112
Assets per employee ($millions)3.0162%6,067
Cash dividends to net income (ytd only)*61.1953%1,573
Condition Ratios (%)
Loss allowance to loans1.5775%3,668
Loan loss allowance to noncurrent loans205.8252%1,468
Noncurrent assets plus other real estate owned to assets0.6311%5,737
Noncurrent loans to loans0.7664%5,516
Net loans and leases to total assets78.3109%895
Net loans and leases to deposits88.4561%1,728
Net loans and leases to core deposits90.4065%2,712
Total domestic deposits to total assets88.5308%1,932
Equity capital to assets8.9127%5,267
Core capital (leverage) ratio8.8209%4,826
Tier 1 risk-based capital ratio13.6696%4,082
Total risk-based capital ratio14.9281%4,052
Memoranda:
Average total assets$164,623,0003,624
Average earning assets$153,563,4003,581
Average equity$14,917,2003,954
Average total loans$129,489,4003,132
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3013%508
Cost of funding earning assets0.8390%6,619
Net interest margin5.4623%187
Noninterest income to average assets1.0451%1,322
Noninterest expense to average assets3.6807%1,613
Loan and lease loss provision to assets0.2959%4,210
Net operating income to assets2.1530%261
Return on assets (ROA)2.1530%278
Pretax return on assets2.1530%453
Return on Equity (ROE)23.6595%148
Retained earnings to average equity (ytd only)20.2642%76
Net charge-offs to loans0.1518%5,092
Credit loss provision to net charge-offs248.6301%1,346
Earnings coverage of net charge-offs (x)20.5755%1,158
Efficiency ratio60.0479%5,945
Assets per employee ($millions)2.8712%6,440
Cash dividends to net income (ytd only)*14.3506%3,185
Condition Ratios (%)
Loss allowance to loans1.5523%3,727
Loan loss allowance to noncurrent loans198.1818%1,458
Noncurrent assets plus other real estate owned to assets0.6727%5,771
Noncurrent loans to loans0.7833%5,646
Net loans and leases to total assets80.2522%707
Net loans and leases to deposits91.7352%1,481
Net loans and leases to core deposits93.9619%2,530
Total domestic deposits to total assets87.4825%2,272
Equity capital to assets9.7856%4,432
Core capital (leverage) ratio9.6405%3,690
Tier 1 risk-based capital ratio12.4352%5,045
Total risk-based capital ratio13.6847%5,014
Memoranda:
Average total assets$163,552,5003,684
Average earning assets$152,240,7503,652
Average equity$14,883,0004,016
Average total loans$128,264,0003,198
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2667%545
Cost of funding earning assets0.8577%6,735
Net interest margin5.4090%197
Noninterest income to average assets0.9809%1,438
Noninterest expense to average assets3.6547%1,658
Loan and lease loss provision to assets0.2935%4,035
Net operating income to assets2.0622%298
Return on assets (ROA)2.0622%325
Pretax return on assets2.0622%535
Return on Equity (ROE)23.2461%166
Retained earnings to average equity (ytd only)18.0068%128
Net charge-offs to loans0.0253%5,981
Credit loss provision to net charge-offs1,500.0000%263
Earnings coverage of net charge-offs (x)120.3750%279
Efficiency ratio60.8059%5,893
Assets per employee ($millions)2.9332%6,290
Cash dividends to net income (ytd only)*22.5386%2,817
Condition Ratios (%)
Loss allowance to loans1.5893%3,497
Loan loss allowance to noncurrent loans235.0679%1,195
Noncurrent assets plus other real estate owned to assets0.6946%5,758
Noncurrent loans to loans0.6761%5,898
Net loans and leases to total assets78.3350%1,054
Net loans and leases to deposits91.6292%1,594
Net loans and leases to core deposits93.6056%2,782
Total domestic deposits to total assets85.4913%3,373
Equity capital to assets9.1915%5,157
Core capital (leverage) ratio9.0261%4,559
Tier 1 risk-based capital ratio11.8677%5,427
Total risk-based capital ratio13.1129%5,403
Memoranda:
Average total assets$163,517,0003,714
Average earning assets$152,042,6703,670
Average equity$14,505,6704,085
Average total loans$126,548,3303,270
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1888%655
Cost of funding earning assets0.8668%6,883
Net interest margin5.3220%235
Noninterest income to average assets0.9268%1,522
Noninterest expense to average assets3.6287%1,669
Loan and lease loss provision to assets0.2942%3,674
Net operating income to assets1.9565%374
Return on assets (ROA)1.9565%405
Pretax return on assets1.9565%657
Return on Equity (ROE)22.4638%255
Retained earnings to average equity (ytd only)22.4638%142
Net charge-offs to loans-0.0032%6,781
Credit loss provision to net charge-offs-12,000.0000%6,704
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7181%5,886
Assets per employee ($millions)2.8828%6,476
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.5728%3,564
Loan loss allowance to noncurrent loans171.2923%1,629
Noncurrent assets plus other real estate owned to assets0.8343%5,486
Noncurrent loans to loans0.9182%5,480
Net loans and leases to total assets75.2174%1,694
Net loans and leases to deposits86.1688%2,555
Net loans and leases to core deposits89.3643%3,451
Total domestic deposits to total assets87.2907%2,470
Equity capital to assets8.8717%5,443
Core capital (leverage) ratio8.7706%4,900
Tier 1 risk-based capital ratio13.8850%3,736
Total risk-based capital ratio15.1430%3,693
Memoranda:
Average total assets$163,145,5003,780
Average earning assets$151,823,5003,728
Average equity$14,209,5004,195
Average total loans$124,447,0003,374
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4390%755
Cost of funding earning assets1.0880%7,013
Net interest margin5.3510%229
Noninterest income to average assets0.8857%2,004
Noninterest expense to average assets3.6032%2,136
Loan and lease loss provision to assets0.2288%5,538
Net operating income to assets2.0324%216
Return on assets (ROA)2.0619%218
Pretax return on assets2.0619%361
Return on Equity (ROE)24.2747%104
Retained earnings to average equity (ytd only)9.5419%422
Net charge-offs to loans0.1974%5,413
Credit loss provision to net charge-offs154.7826%2,945
Earnings coverage of net charge-offs (x)15.2957%1,314
Efficiency ratio61.4423%6,253
Assets per employee ($millions)2.8923%6,469
Cash dividends to net income (ytd only)*60.6920%1,965
Condition Ratios (%)
Loss allowance to loans1.5034%3,708
Loan loss allowance to noncurrent loans189.9590%1,556
Noncurrent assets plus other real estate owned to assets0.7372%5,633
Noncurrent loans to loans0.7914%5,696
Net loans and leases to total assets74.9935%2,032
Net loans and leases to deposits85.1510%3,057
Net loans and leases to core deposits98.2044%4,203
Total domestic deposits to total assets88.0712%1,942
Equity capital to assets8.5454%5,818
Core capital (leverage) ratio8.4046%5,428
Tier 1 risk-based capital ratio13.3124%3,939
Total risk-based capital ratio14.5694%3,878
Memoranda:
Average total assets$155,583,2003,870
Average earning assets$144,759,0003,797
Average equity$13,215,4004,451
Average total loans$116,517,0003,558
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4399%855
Cost of funding earning assets1.1528%7,036
Net interest margin5.2871%258
Noninterest income to average assets0.8806%2,056
Noninterest expense to average assets3.5881%2,051
Loan and lease loss provision to assets0.0857%6,507
Net operating income to assets2.1309%220
Return on assets (ROA)2.1707%216
Pretax return on assets2.1707%377
Return on Equity (ROE)25.5960%102
Retained earnings to average equity (ytd only)7.4430%1,330
Net charge-offs to loans0.2044%4,767
Credit loss provision to net charge-offs56.2500%6,225
Earnings coverage of net charge-offs (x)14.5455%1,596
Efficiency ratio61.8138%6,149
Assets per employee ($millions)2.8915%6,430
Cash dividends to net income (ytd only)*70.9216%1,234
Condition Ratios (%)
Loss allowance to loans1.3978%3,958
Loan loss allowance to noncurrent loans330.8617%920
Noncurrent assets plus other real estate owned to assets0.4571%6,313
Noncurrent loans to loans0.4225%6,490
Net loans and leases to total assets73.2340%2,730
Net loans and leases to deposits83.8739%3,669
Net loans and leases to core deposits95.1799%4,913
Total domestic deposits to total assets87.3143%2,005
Equity capital to assets8.4097%6,372
Core capital (leverage) ratio8.3342%5,773
Tier 1 risk-based capital ratio13.2823%3,996
Total risk-based capital ratio14.5376%3,945
Memoranda:
Average total assets$153,986,5003,910
Average earning assets$143,415,0003,853
Average equity$13,059,0004,522
Average total loans$114,816,0003,617
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4490%917
Cost of funding earning assets1.2347%7,003
Net interest margin5.2143%292
Noninterest income to average assets0.8430%2,202
Noninterest expense to average assets3.5061%2,322
Loan and lease loss provision to assets0.1300%5,798
Net operating income to assets2.0538%264
Return on assets (ROA)2.1142%250
Pretax return on assets2.1142%419
Return on Equity (ROE)24.8572%138
Retained earnings to average equity (ytd only)7.0866%1,547
Net charge-offs to loans0.2796%3,798
Credit loss provision to net charge-offs62.2642%5,557
Earnings coverage of net charge-offs (x)10.4591%1,993
Efficiency ratio61.6201%6,296
Assets per employee ($millions)2.9851%6,173
Cash dividends to net income (ytd only)*71.4907%1,321
Condition Ratios (%)
Loss allowance to loans1.4383%3,531
Loan loss allowance to noncurrent loans311.1940%1,011
Noncurrent assets plus other real estate owned to assets0.3325%6,631
Noncurrent loans to loans0.4622%6,371
Net loans and leases to total assets70.9102%3,485
Net loans and leases to deposits81.4803%4,304
Net loans and leases to core deposits92.3840%5,305
Total domestic deposits to total assets87.0274%2,238
Equity capital to assets8.0549%6,683
Core capital (leverage) ratio8.3283%5,747
Tier 1 risk-based capital ratio13.1858%4,008
Total risk-based capital ratio14.4398%3,928
Memoranda:
Average total assets$152,305,3303,959
Average earning assets$141,572,3303,913
Average equity$12,954,0004,555
Average total loans$113,716,3303,682
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5741%749
Cost of funding earning assets1.3462%6,885
Net interest margin5.2279%270
Noninterest income to average assets0.8332%2,162
Noninterest expense to average assets3.5168%2,055
Loan and lease loss provision to assets0.1326%5,264
Net operating income to assets2.0479%323
Return on assets (ROA)2.1723%283
Pretax return on assets2.1723%464
Return on Equity (ROE)24.8242%196
Retained earnings to average equity (ytd only)16.6628%293
Net charge-offs to loans0.4761%2,259
Credit loss provision to net charge-offs36.5672%4,864
Earnings coverage of net charge-offs (x)6.0149%2,563
Efficiency ratio61.7284%6,106
Assets per employee ($millions)2.5714%7,147
Cash dividends to net income (ytd only)*32.8767%2,249
Condition Ratios (%)
Loss allowance to loans1.4524%3,217
Loan loss allowance to noncurrent loans204.2236%1,627
Noncurrent assets plus other real estate owned to assets0.5471%5,830
Noncurrent loans to loans0.7112%5,632
Net loans and leases to total assets74.7935%2,557
Net loans and leases to deposits85.5724%3,708
Net loans and leases to core deposits98.1073%4,730
Total domestic deposits to total assets87.4038%2,012
Equity capital to assets8.8206%5,585
Core capital (leverage) ratio8.5560%5,417
Tier 1 risk-based capital ratio13.9026%3,645
Total risk-based capital ratio15.1592%3,564
Memoranda:
Average total assets$147,861,0004,049
Average earning assets$137,570,0004,003
Average equity$12,939,0004,593
Average total loans$112,589,0003,729
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3136%580
Cost of funding earning assets1.8788%6,794
Net interest margin5.4347%224
Noninterest income to average assets0.9656%1,710
Noninterest expense to average assets3.5224%2,334
Loan and lease loss provision to assets0.3911%3,347
Net operating income to assets1.9897%362
Return on assets (ROA)2.0636%293
Pretax return on assets2.0871%500
Return on Equity (ROE)24.4285%159
Retained earnings to average equity (ytd only)1.9568%4,014
Net charge-offs to loans0.1733%4,465
Credit loss provision to net charge-offs304.7120%1,478
Earnings coverage of net charge-offs (x)18.7277%1,684
Efficiency ratio59.4398%6,448
Assets per employee ($millions)2.7145%6,749
Cash dividends to net income (ytd only)*91.9896%1,225
Condition Ratios (%)
Loss allowance to loans1.5430%2,483
Loan loss allowance to noncurrent loans348.3871%1,166
Noncurrent assets plus other real estate owned to assets0.3500%6,194
Noncurrent loans to loans0.4429%6,029
Net loans and leases to total assets75.2200%2,827
Net loans and leases to deposits85.9800%4,124
Net loans and leases to core deposits99.3682%4,886
Total domestic deposits to total assets87.4855%1,714
Equity capital to assets8.6798%5,838
Core capital (leverage) ratio8.3144%5,922
Tier 1 risk-based capital ratio13.4130%3,868
Total risk-based capital ratio14.6521%3,774
Memoranda:
Average total assets$148,818,2003,923
Average earning assets$135,830,0003,935
Average equity$12,571,4004,682
Average total loans$110,208,2003,672