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The Walton State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0230%1,308
Cost of funding earning assets0.2143%3,325
Net interest margin3.8087%988
Noninterest income to average assets0.4950%2,592
Noninterest expense to average assets3.3239%605
Loan and lease loss provision to assets0.0884%1,401
Net operating income to assets0.3978%4,280
Return on assets (ROA)0.3978%4,310
Pretax return on assets0.5393%4,197
Return on Equity (ROE)6.1141%3,754
Retained earnings to average equity (ytd only)4.8913%2,827
Net charge-offs to loans0.0207%1,857
Credit loss provision to net charge-offs1,000.0000%530
Earnings coverage of net charge-offs (x)71.0000%1,063
Efficiency ratio84.1163%564
Assets per employee ($millions)3.7673%4,508
Cash dividends to net income (ytd only)*20.0000%3,021
Condition Ratios (%)
Loss allowance to loans1.0955%3,377
Loan loss allowance to noncurrent loans23.0047%4,069
Noncurrent assets plus other real estate owned to assets2.3978%115
Noncurrent loans to loans4.7619%81
Net loans and leases to total assets39.1435%4,141
Net loans and leases to deposits42.4935%4,251
Net loans and leases to core deposits42.4935%4,326
Total domestic deposits to total assets92.1164%150
Equity capital to assets6.6537%4,768
Core capital (leverage) ratio6.4219%4,800
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.1789%544
Memoranda:
Average total assets$11,312,0004,838
Average earning assets$10,266,0004,825
Average equity$736,0004,837
Average total loans$4,832,2004,794
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4910%4,574
Cost of funding earning assets0.2217%3,405
Net interest margin2.2693%4,514
Noninterest income to average assets1.8383%387
Noninterest expense to average assets3.2524%646
Loan and lease loss provision to assets0.0795%1,487
Net operating income to assets0.3889%4,387
Return on assets (ROA)0.3889%4,420
Pretax return on assets0.5538%4,295
Return on Equity (ROE)6.0108%3,914
Retained earnings to average equity (ytd only)4.9179%3,247
Net charge-offs to loans0.0271%1,504
Credit loss provision to net charge-offs700.0000%639
Earnings coverage of net charge-offs (x)54.0000%1,196
Efficiency ratio83.6364%540
Assets per employee ($millions)3.8890%4,509
Cash dividends to net income (ytd only)*18.1818%2,626
Condition Ratios (%)
Loss allowance to loans0.9095%4,130
Loan loss allowance to noncurrent loans21.5962%4,174
Noncurrent assets plus other real estate owned to assets2.3228%142
Noncurrent loans to loans4.2112%113
Net loans and leases to total assets42.9588%4,026
Net loans and leases to deposits46.6276%4,204
Net loans and leases to core deposits46.6276%4,299
Total domestic deposits to total assets92.1317%100
Equity capital to assets6.3684%4,873
Core capital (leverage) ratio6.3423%4,879
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.8854%611
Memoranda:
Average total assets$11,314,5004,912
Average earning assets$10,223,2504,901
Average equity$732,0004,910
Average total loans$4,922,0004,862
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4833%4,627
Cost of funding earning assets0.2403%3,372
Net interest margin2.2430%4,565
Noninterest income to average assets1.9291%350
Noninterest expense to average assets3.2687%644
Loan and lease loss provision to assets0.0714%1,631
Net operating income to assets0.3930%4,397
Return on assets (ROA)0.3930%4,435
Pretax return on assets0.5894%4,251
Return on Equity (ROE)6.0412%3,898
Retained earnings to average equity (ytd only)6.0412%2,786
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.1818%601
Assets per employee ($millions)3.8893%4,502
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8255%4,329
Loan loss allowance to noncurrent loans20.6573%4,219
Noncurrent assets plus other real estate owned to assets2.3226%161
Noncurrent loans to loans3.9962%137
Net loans and leases to total assets45.3034%3,955
Net loans and leases to deposits49.2775%4,151
Net loans and leases to core deposits49.2775%4,262
Total domestic deposits to total assets91.9352%140
Equity capital to assets6.3336%4,904
Core capital (leverage) ratio6.2521%4,922
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4874%649
Memoranda:
Average total assets$11,197,0004,948
Average earning assets$9,986,6674,936
Average equity$728,3334,946
Average total loans$4,876,6674,904
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3564%4,736
Cost of funding earning assets0.2844%3,151
Net interest margin2.0720%4,693
Noninterest income to average assets2.1165%346
Noninterest expense to average assets3.2112%708
Loan and lease loss provision to assets0.1460%904
Net operating income to assets0.4744%4,228
Return on assets (ROA)0.4744%4,263
Pretax return on assets0.6204%4,165
Return on Equity (ROE)7.1923%3,555
Retained earnings to average equity (ytd only)7.1923%2,512
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7339%777
Assets per employee ($millions)4.0040%4,475
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.7912%4,424
Loan loss allowance to noncurrent loans20.6573%4,284
Noncurrent assets plus other real estate owned to assets2.2561%200
Noncurrent loans to loans3.8302%150
Net loans and leases to total assets45.9291%3,964
Net loans and leases to deposits49.4443%4,194
Net loans and leases to core deposits49.4443%4,327
Total domestic deposits to total assets92.8904%40
Equity capital to assets6.0689%4,936
Core capital (leverage) ratio6.5711%4,935
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4782%629
Memoranda:
Average total assets$10,961,5004,977
Average earning assets$9,845,5004,963
Average equity$723,0004,974
Average total loans$4,650,0004,931
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3446%4,271
Cost of funding earning assets0.4004%3,575
Net interest margin2.9442%4,023
Noninterest income to average assets0.9795%1,089
Noninterest expense to average assets3.4698%723
Loan and lease loss provision to assets0.0104%4,230
Net operating income to assets0.0625%4,692
Return on assets (ROA)0.0625%4,727
Pretax return on assets0.1042%4,703
Return on Equity (ROE)0.8387%4,694
Retained earnings to average equity (ytd only)0.4193%4,389
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.8023%221
Assets per employee ($millions)3.3037%4,719
Cash dividends to net income (ytd only)*50.0000%1,833
Condition Ratios (%)
Loss allowance to loans1.0965%3,474
Loan loss allowance to noncurrent loans34.7458%4,226
Noncurrent assets plus other real estate owned to assets1.7758%352
Noncurrent loans to loans3.1559%262
Net loans and leases to total assets37.3121%4,554
Net loans and leases to deposits40.2438%4,654
Net loans and leases to core deposits40.2438%4,687
Total domestic deposits to total assets92.7152%25
Equity capital to assets7.2344%4,883
Core capital (leverage) ratio7.2578%4,894
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.7941%603
Memoranda:
Average total assets$9,597,0005,002
Average earning assets$8,491,2004,989
Average equity$715,4004,998
Average total loans$3,317,0004,963
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4032%4,343
Cost of funding earning assets0.4254%3,666
Net interest margin2.9778%4,026
Noninterest income to average assets0.8965%1,231
Noninterest expense to average assets3.4318%769
Loan and lease loss provision to assets0.0105%4,170
Net operating income to assets0.0420%4,744
Return on assets (ROA)0.0420%4,767
Pretax return on assets0.0981%4,728
Return on Equity (ROE)0.5594%4,745
Retained earnings to average equity (ytd only)0.5594%4,372
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.8379%210
Assets per employee ($millions)3.2233%4,774
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.1644%2,866
Loan loss allowance to noncurrent loans31.0606%4,296
Noncurrent assets plus other real estate owned to assets1.9648%342
Noncurrent loans to loans3.7489%188
Net loans and leases to total assets35.9876%4,684
Net loans and leases to deposits38.9175%4,778
Net loans and leases to core deposits38.9175%4,811
Total domestic deposits to total assets92.4716%26
Equity capital to assets7.4147%4,876
Core capital (leverage) ratio7.2895%4,920
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.5532%482
Memoranda:
Average total assets$9,518,5005,033
Average earning assets$8,462,5005,021
Average equity$715,0005,030
Average total loans$3,211,5004,996
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5031%4,401
Cost of funding earning assets0.4467%3,809
Net interest margin3.0564%3,998
Noninterest income to average assets0.8238%1,363
Noninterest expense to average assets3.4432%801
Loan and lease loss provision to assets0.0211%3,981
Net operating income to assets0.0211%4,762
Return on assets (ROA)0.0211%4,785
Pretax return on assets0.1056%4,718
Return on Equity (ROE)0.2800%4,768
Retained earnings to average equity (ytd only)0.2800%4,250
Net charge-offs to loans0.0643%1,600
Credit loss provision to net charge-offs100.0000%2,394
Earnings coverage of net charge-offs (x)6.0000%2,473
Efficiency ratio96.4497%234
Assets per employee ($millions)3.3817%4,716
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1608%2,726
Loan loss allowance to noncurrent loans28.1690%4,382
Noncurrent assets plus other real estate owned to assets1.9714%371
Noncurrent loans to loans4.1207%161
Net loans and leases to total assets33.5732%4,792
Net loans and leases to deposits36.1955%4,858
Net loans and leases to core deposits36.1955%4,878
Total domestic deposits to total assets92.7551%22
Equity capital to assets7.0478%4,966
Core capital (leverage) ratio7.2398%4,975
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.1666%491
Memoranda:
Average total assets$9,468,0005,066
Average earning assets$8,506,6675,053
Average equity$714,3335,063
Average total loans$3,108,3335,030
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6388%4,485
Cost of funding earning assets0.4788%4,035
Net interest margin3.1600%3,958
Noninterest income to average assets0.7010%1,644
Noninterest expense to average assets3.5051%929
Loan and lease loss provision to assets0.0438%3,230
Net operating income to assets0.0438%4,719
Return on assets (ROA)0.0438%4,712
Pretax return on assets0.0438%4,707
Return on Equity (ROE)0.5602%4,685
Retained earnings to average equity (ytd only)0.5602%3,857
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.5610%285
Assets per employee ($millions)3.0130%4,787
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4167%1,639
Loan loss allowance to noncurrent loans28.8732%4,414
Noncurrent assets plus other real estate owned to assets2.2126%342
Noncurrent loans to loans4.9067%129
Net loans and leases to total assets31.5632%4,876
Net loans and leases to deposits34.3115%4,930
Net loans and leases to core deposits34.3115%4,944
Total domestic deposits to total assets91.9903%38
Equity capital to assets7.9102%4,988
Core capital (leverage) ratio7.7081%5,022
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.5643%524
Memoranda:
Average total assets$9,129,5005,116
Average earning assets$8,354,5005,103
Average equity$714,0005,113
Average total loans$2,939,5005,078
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7132%4,662
Cost of funding earning assets0.3983%4,445
Net interest margin3.3149%3,960
Noninterest income to average assets0.8652%1,259
Noninterest expense to average assets3.6338%824
Loan and lease loss provision to assets0.0324%3,363
Net operating income to assets0.2379%4,811
Return on assets (ROA)0.2379%4,831
Pretax return on assets0.2596%4,849
Return on Equity (ROE)3.1030%4,648
Retained earnings to average equity (ytd only)1.8336%4,066
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.5620%275
Assets per employee ($millions)3.0733%4,788
Cash dividends to net income (ytd only)*40.9091%2,555
Condition Ratios (%)
Loss allowance to loans1.3400%1,743
Loan loss allowance to noncurrent loans28.1690%4,456
Noncurrent assets plus other real estate owned to assets2.1692%347
Noncurrent loans to loans4.7571%115
Net loans and leases to total assets31.9414%4,937
Net loans and leases to deposits34.6634%4,991
Net loans and leases to core deposits34.6634%5,008
Total domestic deposits to total assets92.1475%30
Equity capital to assets7.7332%5,090
Core capital (leverage) ratio7.5956%5,093
Tier 1 risk-based capital ratio20.8114%1,202
Total risk-based capital ratio21.9790%1,178
Memoranda:
Average total assets$9,246,6005,173
Average earning assets$8,537,2005,163
Average equity$709,0005,175
Average total loans$3,129,6005,139
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7182%4,764
Cost of funding earning assets0.3734%4,586
Net interest margin3.3448%4,002
Noninterest income to average assets0.8933%1,156
Noninterest expense to average assets3.6886%762
Loan and lease loss provision to assets0.0289%3,326
Net operating income to assets0.2594%4,889
Return on assets (ROA)0.2594%4,906
Pretax return on assets0.2737%4,921
Return on Equity (ROE)3.3898%4,701
Retained earnings to average equity (ytd only)2.8249%3,962
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.4188%261
Assets per employee ($millions)3.0053%4,889
Cash dividends to net income (ytd only)*16.6667%3,160
Condition Ratios (%)
Loss allowance to loans1.2650%2,143
Loan loss allowance to noncurrent loans26.8966%4,546
Noncurrent assets plus other real estate owned to assets2.2516%342
Noncurrent loans to loans4.7032%118
Net loans and leases to total assets33.7622%4,993
Net loans and leases to deposits36.7455%5,051
Net loans and leases to core deposits36.7455%5,071
Total domestic deposits to total assets91.8811%43
Equity capital to assets7.9414%5,143
Core capital (leverage) ratio7.9893%5,121
Tier 1 risk-based capital ratio20.3698%1,308
Total risk-based capital ratio21.4794%1,301
Memoranda:
Average total assets$9,253,2505,251
Average earning assets$8,570,2505,241
Average equity$708,0005,253
Average total loans$3,165,7505,217
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7420%4,780
Cost of funding earning assets0.3486%4,684
Net interest margin3.3934%3,913
Noninterest income to average assets0.6429%1,955
Noninterest expense to average assets3.4932%968
Loan and lease loss provision to assets0.0429%2,964
Net operating income to assets0.2143%4,978
Return on assets (ROA)0.2143%4,988
Pretax return on assets0.2357%4,995
Return on Equity (ROE)2.8356%4,817
Retained earnings to average equity (ytd only)1.9849%4,117
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.6136%267
Assets per employee ($millions)3.0877%4,852
Cash dividends to net income (ytd only)*30.0000%2,633
Condition Ratios (%)
Loss allowance to loans1.2468%2,275
Loan loss allowance to noncurrent loans27.4648%4,591
Noncurrent assets plus other real estate owned to assets2.1591%398
Noncurrent loans to loans4.5396%133
Net loans and leases to total assets33.3477%5,040
Net loans and leases to deposits36.1498%5,104
Net loans and leases to core deposits36.1498%5,123
Total domestic deposits to total assets92.2487%30
Equity capital to assets7.6433%5,222
Core capital (leverage) ratio7.4261%5,238
Tier 1 risk-based capital ratio19.9831%1,353
Total risk-based capital ratio21.0838%1,351
Memoranda:
Average total assets$9,332,3305,298
Average earning assets$8,605,0005,288
Average equity$705,3305,301
Average total loans$3,193,3305,266
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6928%4,855
Cost of funding earning assets0.3231%4,767
Net interest margin3.3697%3,975
Noninterest income to average assets0.5978%2,054
Noninterest expense to average assets3.4162%1,091
Loan and lease loss provision to assets0.0427%2,783
Net operating income to assets0.2562%4,951
Return on assets (ROA)0.2562%4,958
Pretax return on assets0.2562%4,992
Return on Equity (ROE)3.4091%4,699
Retained earnings to average equity (ytd only)3.4091%3,557
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.9540%330
Assets per employee ($millions)3.2360%4,798
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2137%2,505
Loan loss allowance to noncurrent loans26.7606%4,666
Noncurrent assets plus other real estate owned to assets2.0602%458
Noncurrent loans to loans4.5353%148
Net loans and leases to total assets31.8603%5,116
Net loans and leases to deposits34.3896%5,165
Net loans and leases to core deposits34.3896%5,186
Total domestic deposits to total assets92.6452%34
Equity capital to assets7.2827%5,287
Core capital (leverage) ratio7.4366%5,293
Tier 1 risk-based capital ratio19.1703%1,509
Total risk-based capital ratio20.2007%1,522
Memoranda:
Average total assets$9,367,0005,357
Average earning assets$8,665,5005,346
Average equity$704,0005,360
Average total loans$3,226,0005,325
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5768%4,828
Cost of funding earning assets0.2695%4,711
Net interest margin3.3073%4,237
Noninterest income to average assets0.8314%1,364
Noninterest expense to average assets3.7912%693
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.0665%5,202
Return on assets (ROA)0.0665%5,195
Pretax return on assets0.0333%5,211
Return on Equity (ROE)0.8562%5,177
Retained earnings to average equity (ytd only)0.5708%4,832
Net charge-offs to loans0.0291%2,815
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)3.0000%3,463
Efficiency ratio99.1304%155
Assets per employee ($millions)3.0087%4,988
Cash dividends to net income (ytd only)*33.3333%2,887
Condition Ratios (%)
Loss allowance to loans1.1141%3,012
Loan loss allowance to noncurrent loans26.0563%4,690
Noncurrent assets plus other real estate owned to assets2.2158%387
Noncurrent loans to loans4.2758%162
Net loans and leases to total assets36.3838%5,060
Net loans and leases to deposits39.4617%5,130
Net loans and leases to core deposits39.4617%5,167
Total domestic deposits to total assets92.2003%58
Equity capital to assets7.7665%5,229
Core capital (leverage) ratio7.5718%5,316
Tier 1 risk-based capital ratio19.1217%1,496
Total risk-based capital ratio20.1309%1,503
Memoranda:
Average total assets$9,021,0005,403
Average earning assets$8,163,8005,392
Average equity$700,8005,403
Average total loans$3,431,6005,369
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5488%4,876
Cost of funding earning assets0.2628%4,714
Net interest margin3.2859%4,317
Noninterest income to average assets0.9017%1,194
Noninterest expense to average assets3.8728%610
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.0296%5,287
Return on assets (ROA)0.0296%5,285
Pretax return on assets-0.0147%5,301
Return on Equity (ROE)0.3810%5,277
Retained earnings to average equity (ytd only)0.3810%4,971
Net charge-offs to loans0.0384%2,310
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)-1.0000%3,437
Efficiency ratio100.3831%150
Assets per employee ($millions)2.9750%5,050
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0593%3,418
Loan loss allowance to noncurrent loans29.3651%4,756
Noncurrent assets plus other real estate owned to assets2.0616%509
Noncurrent loans to loans3.6072%260
Net loans and leases to total assets38.7227%5,063
Net loans and leases to deposits42.0387%5,152
Net loans and leases to core deposits42.0387%5,197
Total domestic deposits to total assets92.1120%75
Equity capital to assets7.8319%5,228
Core capital (leverage) ratio7.8672%5,345
Tier 1 risk-based capital ratio18.8308%1,581
Total risk-based capital ratio19.8276%1,600
Memoranda:
Average total assets$9,019,7505,474
Average earning assets$8,115,2505,462
Average equity$700,7505,474
Average total loans$3,459,2505,439
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4851%4,941
Cost of funding earning assets0.2472%4,756
Net interest margin3.2379%4,419
Noninterest income to average assets0.8838%1,229
Noninterest expense to average assets3.6238%845
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.2210%5,213
Return on assets (ROA)0.2210%5,207
Pretax return on assets0.1547%5,267
Return on Equity (ROE)2.8517%5,049
Retained earnings to average equity (ytd only)2.8517%4,114
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.9064%225
Assets per employee ($millions)2.9987%5,095
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.0976%3,279
Loan loss allowance to noncurrent loans3,800.0000%198
Noncurrent assets plus other real estate owned to assets0.8115%1,844
Noncurrent loans to loans0.0289%4,794
Net loans and leases to total assets38.0614%5,120
Net loans and leases to deposits41.3327%5,212
Net loans and leases to core deposits41.3327%5,259
Total domestic deposits to total assets92.0854%82
Equity capital to assets7.8590%5,273
Core capital (leverage) ratio8.1339%5,300
Tier 1 risk-based capital ratio18.6298%1,644
Total risk-based capital ratio19.6311%1,667
Memoranda:
Average total assets$9,051,3305,538
Average earning assets$8,091,6705,525
Average equity$701,3305,539
Average total loans$3,448,0005,503
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4566%4,938
Cost of funding earning assets0.2469%4,728
Net interest margin3.2097%4,432
Noninterest income to average assets0.8812%1,200
Noninterest expense to average assets3.6127%859
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.1322%5,308
Return on assets (ROA)0.1322%5,303
Pretax return on assets0.1322%5,321
Return on Equity (ROE)1.7180%5,218
Retained earnings to average equity (ytd only)1.7180%4,434
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.4706%243
Assets per employee ($millions)3.1707%5,030
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0986%3,393
Loan loss allowance to noncurrent loans3,800.0000%202
Noncurrent assets plus other real estate owned to assets1.2300%1,225
Noncurrent loans to loans0.0289%4,849
Net loans and leases to total assets35.9651%5,211
Net loans and leases to deposits38.8529%5,293
Net loans and leases to core deposits38.8529%5,336
Total domestic deposits to total assets92.5673%60
Equity capital to assets7.3591%5,461
Core capital (leverage) ratio7.9936%5,390
Tier 1 risk-based capital ratio17.9166%1,860
Total risk-based capital ratio18.8892%1,885
Memoranda:
Average total assets$9,079,0005,602
Average earning assets$8,100,5005,589
Average equity$698,5005,602
Average total loans$3,441,0005,566
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4511%4,858
Cost of funding earning assets0.2088%4,877
Net interest margin3.2423%4,327
Noninterest income to average assets1.2945%632
Noninterest expense to average assets4.0651%488
Loan and lease loss provision to assets0.0114%4,056
Net operating income to assets0.1817%5,142
Return on assets (ROA)0.1817%5,156
Pretax return on assets0.2157%5,297
Return on Equity (ROE)2.3095%4,989
Retained earnings to average equity (ytd only)1.5878%4,358
Net charge-offs to loans0.0585%2,641
Credit loss provision to net charge-offs50.0000%3,332
Earnings coverage of net charge-offs (x)10.0000%2,725
Efficiency ratio94.7090%276
Assets per employee ($millions)2.8820%5,272
Cash dividends to net income (ytd only)*31.2500%3,249
Condition Ratios (%)
Loss allowance to loans1.1101%3,292
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.3417%1,070
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets39.1511%5,166
Net loans and leases to deposits42.5947%5,278
Net loans and leases to core deposits42.5947%5,328
Total domestic deposits to total assets91.9153%87
Equity capital to assets8.0615%5,370
Core capital (leverage) ratio7.7384%5,512
Tier 1 risk-based capital ratio18.7769%1,563
Total risk-based capital ratio19.8006%1,584
Memoranda:
Average total assets$8,806,6005,667
Average earning assets$8,142,4005,653
Average equity$692,8005,668
Average total loans$3,416,0005,635
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4234%4,934
Cost of funding earning assets0.1956%5,012
Net interest margin3.2278%4,389
Noninterest income to average assets1.3413%581
Noninterest expense to average assets4.0994%462
Loan and lease loss provision to assets0.0150%3,842
Net operating income to assets0.1959%5,361
Return on assets (ROA)0.1959%5,374
Pretax return on assets0.2109%5,376
Return on Equity (ROE)2.5052%5,223
Retained earnings to average equity (ytd only)2.5052%4,394
Net charge-offs to loans0.0782%2,022
Credit loss provision to net charge-offs50.0000%2,907
Earnings coverage of net charge-offs (x)7.4906%2,867
Efficiency ratio94.7735%272
Assets per employee ($millions)3.0127%5,258
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.0701%3,668
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.2945%1,241
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets38.8692%5,235
Net loans and leases to deposits42.1526%5,361
Net loans and leases to core deposits42.1526%5,413
Total domestic deposits to total assets92.2107%51
Equity capital to assets7.7340%5,590
Core capital (leverage) ratio7.8495%5,556
Tier 1 risk-based capital ratio18.0387%1,842
Total risk-based capital ratio19.0194%1,870
Memoranda:
Average total assets$8,846,7505,732
Average earning assets$8,178,7505,717
Average equity$691,7505,735
Average total loans$3,414,2505,697
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4301%4,916
Cost of funding earning assets0.1974%5,011
Net interest margin3.2327%4,320
Noninterest income to average assets1.0019%1,014
Noninterest expense to average assets3.8028%669
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.1594%5,444
Return on assets (ROA)0.1594%5,445
Pretax return on assets0.1822%5,442
Return on Equity (ROE)2.0310%5,342
Retained earnings to average equity (ytd only)2.0310%4,444
Net charge-offs to loans0.0594%2,084
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)8.0000%2,544
Efficiency ratio95.4286%271
Assets per employee ($millions)2.9640%5,306
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1190%3,470
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.5182%992
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets37.7643%5,311
Net loans and leases to deposits40.9762%5,424
Net loans and leases to core deposits40.9762%5,473
Total domestic deposits to total assets92.1615%60
Equity capital to assets7.7935%5,598
Core capital (leverage) ratio7.9545%5,552
Tier 1 risk-based capital ratio18.7449%1,654
Total risk-based capital ratio19.7728%1,670
Memoranda:
Average total assets$8,783,0005,783
Average earning assets$8,104,6705,769
Average equity$689,3305,785
Average total loans$3,368,6705,746
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4902%4,721
Cost of funding earning assets0.1966%5,009
Net interest margin3.2936%4,026
Noninterest income to average assets1.0072%989
Noninterest expense to average assets3.8913%606
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.1373%5,467
Return on assets (ROA)0.1373%5,477
Pretax return on assets0.1831%5,453
Return on Equity (ROE)1.7229%5,381
Retained earnings to average equity (ytd only)1.7229%4,422
Net charge-offs to loans0.1192%1,214
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)4.0000%2,429
Efficiency ratio95.5056%331
Assets per employee ($millions)3.0107%5,341
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1173%3,606
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.5943%979
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets37.2343%5,360
Net loans and leases to deposits40.3625%5,460
Net loans and leases to core deposits40.3625%5,511
Total domestic deposits to total assets92.2498%82
Equity capital to assets7.7281%5,625
Core capital (leverage) ratio7.6957%5,664
Tier 1 risk-based capital ratio18.5540%1,730
Total risk-based capital ratio19.5641%1,742
Memoranda:
Average total assets$8,737,5005,851
Average earning assets$8,137,0005,836
Average equity$696,5005,851
Average total loans$3,355,0005,816
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3362%5,104
Cost of funding earning assets0.1983%5,026
Net interest margin3.1379%4,621
Noninterest income to average assets0.8803%1,479
Noninterest expense to average assets3.6379%964
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.1167%5,544
Return on assets (ROA)0.1167%5,571
Pretax return on assets0.0955%5,597
Return on Equity (ROE)1.5859%5,476
Retained earnings to average equity (ytd only)1.1534%4,832
Net charge-offs to loans0.0290%3,439
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)9.0000%2,803
Efficiency ratio97.4432%269
Assets per employee ($millions)2.8143%5,478
Cash dividends to net income (ytd only)*27.2727%3,431
Condition Ratios (%)
Loss allowance to loans1.1786%3,247
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.7056%902
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets38.7303%5,371
Net loans and leases to deposits42.2099%5,485
Net loans and leases to core deposits42.2099%5,543
Total domestic deposits to total assets91.7565%133
Equity capital to assets8.2317%5,455
Core capital (leverage) ratio7.9474%5,643
Tier 1 risk-based capital ratio19.4514%1,493
Total risk-based capital ratio20.5430%1,484
Memoranda:
Average total assets$9,428,4005,906
Average earning assets$8,572,6005,892
Average equity$693,6005,911
Average total loans$3,447,6005,873
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3855%5,056
Cost of funding earning assets0.2135%4,941
Net interest margin3.1720%4,571
Noninterest income to average assets0.8682%1,519
Noninterest expense to average assets3.6245%962
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.1378%5,571
Return on assets (ROA)0.1378%5,628
Pretax return on assets0.1102%5,668
Return on Equity (ROE)1.9228%5,481
Retained earnings to average equity (ytd only)1.9228%4,715
Net charge-offs to loans0.0382%2,867
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)8.0226%2,818
Efficiency ratio97.0480%285
Assets per employee ($millions)2.7607%5,570
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1285%3,683
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.7387%970
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets41.2582%5,323
Net loans and leases to deposits45.0613%5,484
Net loans and leases to core deposits45.0613%5,549
Total domestic deposits to total assets91.5600%111
Equity capital to assets8.4158%5,579
Core capital (leverage) ratio7.8713%5,732
Tier 1 risk-based capital ratio19.0854%1,657
Total risk-based capital ratio20.1533%1,654
Memoranda:
Average total assets$9,674,7505,972
Average earning assets$8,743,0005,957
Average equity$693,2505,977
Average total loans$3,482,2505,937
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3378%5,207
Cost of funding earning assets0.1951%5,194
Net interest margin3.1427%4,709
Noninterest income to average assets0.7890%1,763
Noninterest expense to average assets3.4717%1,217
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.1973%5,526
Return on assets (ROA)0.1973%5,584
Pretax return on assets0.1775%5,647
Return on Equity (ROE)2.8902%5,269
Retained earnings to average equity (ytd only)2.8902%4,065
Net charge-offs to loans0.0573%2,367
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)9.0000%2,459
Efficiency ratio95.1351%377
Assets per employee ($millions)3.1503%5,269
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.1033%3,929
Loan loss allowance to noncurrent loans300.0000%1,638
Noncurrent assets plus other real estate owned to assets1.6612%1,088
Noncurrent loans to loans0.3678%4,045
Net loans and leases to total assets36.9908%5,560
Net loans and leases to deposits39.9497%5,693
Net loans and leases to core deposits39.9497%5,747
Total domestic deposits to total assets92.5934%46
Equity capital to assets7.3749%5,933
Core capital (leverage) ratio7.0913%5,939
Tier 1 risk-based capital ratio17.1971%2,155
Total risk-based capital ratio18.1594%2,208
Memoranda:
Average total assets$10,139,0006,048
Average earning assets$9,227,6706,035
Average equity$692,0006,054
Average total loans$3,491,0006,013
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2283%5,446
Cost of funding earning assets0.1656%5,503
Net interest margin3.0628%4,965
Noninterest income to average assets0.7631%1,761
Noninterest expense to average assets3.3578%1,470
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.1908%5,543
Return on assets (ROA)0.1908%5,599
Pretax return on assets0.2289%5,609
Return on Equity (ROE)2.9007%5,276
Retained earnings to average equity (ytd only)2.9007%4,067
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6170%468
Assets per employee ($millions)3.4533%4,879
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1396%3,837
Loan loss allowance to noncurrent loans285.7143%1,678
Noncurrent assets plus other real estate owned to assets1.4865%1,379
Noncurrent loans to loans0.3989%4,004
Net loans and leases to total assets33.4942%5,732
Net loans and leases to deposits35.9213%5,831
Net loans and leases to core deposits35.9213%5,861
Total domestic deposits to total assets93.2432%38
Equity capital to assets6.6795%6,028
Core capital (leverage) ratio6.5561%6,027
Tier 1 risk-based capital ratio15.9154%2,722
Total risk-based capital ratio16.8353%2,801
Memoranda:
Average total assets$10,483,0006,111
Average earning assets$9,664,5006,095
Average equity$689,5006,117
Average total loans$3,469,0006,075
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4566%5,034
Cost of funding earning assets0.1813%5,443
Net interest margin3.2753%4,390
Noninterest income to average assets0.7795%1,864
Noninterest expense to average assets3.6131%1,107
Loan and lease loss provision to assets0.0211%3,965
Net operating income to assets0.1475%5,680
Return on assets (ROA)0.1475%5,734
Pretax return on assets0.1896%5,695
Return on Equity (ROE)2.0456%5,562
Retained earnings to average equity (ytd only)1.4611%4,893
Net charge-offs to loans0.1141%2,234
Credit loss provision to net charge-offs50.0000%3,400
Earnings coverage of net charge-offs (x)5.0000%3,451
Efficiency ratio94.4904%461
Assets per employee ($millions)3.5353%4,759
Cash dividends to net income (ytd only)*28.5714%3,417
Condition Ratios (%)
Loss allowance to loans1.1669%3,672
Loan loss allowance to noncurrent loans285.7143%1,726
Noncurrent assets plus other real estate owned to assets1.4049%1,490
Noncurrent loans to loans0.4084%3,994
Net loans and leases to total assets31.9442%5,839
Net loans and leases to deposits34.1739%5,926
Net loans and leases to core deposits34.1739%5,960
Total domestic deposits to total assets93.4754%37
Equity capital to assets6.4775%6,097
Core capital (leverage) ratio6.8611%6,062
Tier 1 risk-based capital ratio15.6921%2,834
Total risk-based capital ratio16.6058%2,944
Memoranda:
Average total assets$9,493,2006,175
Average earning assets$8,823,6006,163
Average equity$684,4006,179
Average total loans$3,505,6006,135
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5604%4,842
Cost of funding earning assets0.1874%5,477
Net interest margin3.3730%4,067
Noninterest income to average assets0.8247%1,707
Noninterest expense to average assets3.7185%953
Loan and lease loss provision to assets0.0144%3,982
Net operating income to assets0.1736%5,726
Return on assets (ROA)0.1736%5,782
Pretax return on assets0.2170%5,766
Return on Equity (ROE)2.3400%5,599
Retained earnings to average equity (ytd only)2.3400%4,716
Net charge-offs to loans0.1512%1,625
Credit loss provision to net charge-offs25.0000%3,323
Earnings coverage of net charge-offs (x)4.0019%3,418
Efficiency ratio94.1392%485
Assets per employee ($millions)2.9307%5,618
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1070%4,189
Loan loss allowance to noncurrent loans278.5714%1,715
Noncurrent assets plus other real estate owned to assets1.6947%1,274
Noncurrent loans to loans0.3974%4,189
Net loans and leases to total assets39.6269%5,612
Net loans and leases to deposits43.0602%5,759
Net loans and leases to core deposits43.0602%5,823
Total domestic deposits to total assets92.0268%97
Equity capital to assets7.8367%6,011
Core capital (leverage) ratio7.5931%6,034
Tier 1 risk-based capital ratio16.8501%2,423
Total risk-based capital ratio17.8039%2,504
Memoranda:
Average total assets$9,215,0006,263
Average earning assets$8,538,0006,250
Average equity$683,7506,266
Average total loans$3,525,0006,220
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4568%5,091
Cost of funding earning assets0.1844%5,578
Net interest margin3.2724%4,410
Noninterest income to average assets0.8551%1,591
Noninterest expense to average assets3.6127%1,106
Loan and lease loss provision to assets0.0428%3,252
Net operating income to assets0.2138%5,663
Return on assets (ROA)0.2138%5,730
Pretax return on assets0.2351%5,768
Return on Equity (ROE)2.9326%5,421
Retained earnings to average equity (ytd only)2.9326%4,168
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.8571%584
Assets per employee ($millions)3.1020%5,464
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.2422%3,549
Loan loss allowance to noncurrent loans66.6667%4,571
Noncurrent assets plus other real estate owned to assets1.5366%1,590
Noncurrent loans to loans1.8634%1,352
Net loans and leases to total assets37.5887%5,755
Net loans and leases to deposits40.6413%5,880
Net loans and leases to core deposits40.6413%5,937
Total domestic deposits to total assets92.4887%84
Equity capital to assets7.3823%6,133
Core capital (leverage) ratio7.2729%6,142
Tier 1 risk-based capital ratio16.3962%2,663
Total risk-based capital ratio17.4463%2,710
Memoranda:
Average total assets$9,356,0006,340
Average earning assets$8,678,6706,325
Average equity$682,0006,344
Average total loans$3,525,6706,295
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5222%4,904
Cost of funding earning assets0.1854%5,643
Net interest margin3.3368%4,073
Noninterest income to average assets0.9381%1,270
Noninterest expense to average assets3.7523%929
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.2132%5,652
Return on assets (ROA)0.2132%5,742
Pretax return on assets0.2558%5,744
Return on Equity (ROE)2.9433%5,402
Retained earnings to average equity (ytd only)2.9433%4,208
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6170%612
Assets per employee ($millions)3.2717%5,291
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2181%3,855
Loan loss allowance to noncurrent loans63.6364%4,619
Noncurrent assets plus other real estate owned to assets1.4570%1,812
Noncurrent loans to loans1.9142%1,399
Net loans and leases to total assets34.7020%5,895
Net loans and leases to deposits37.3465%6,009
Net loans and leases to core deposits37.3465%6,067
Total domestic deposits to total assets92.9190%64
Equity capital to assets6.9485%6,265
Core capital (leverage) ratio6.8556%6,253
Tier 1 risk-based capital ratio16.1841%2,829
Total risk-based capital ratio17.1808%2,893
Memoranda:
Average total assets$9,381,0006,409
Average earning assets$8,631,0006,394
Average equity$679,5006,413
Average total loans$3,517,5006,366
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5888%5,109
Cost of funding earning assets0.2044%5,708
Net interest margin3.3844%4,256
Noninterest income to average assets0.9349%1,400
Noninterest expense to average assets3.8457%922
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.2018%5,759
Return on assets (ROA)0.2018%5,818
Pretax return on assets0.2550%5,780
Return on Equity (ROE)2.8324%5,529
Retained earnings to average equity (ytd only)2.0871%4,736
Net charge-offs to loans0.0539%3,756
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)12.0000%2,429
Efficiency ratio93.7824%605
Assets per employee ($millions)2.2368%6,296
Cash dividends to net income (ytd only)*26.3158%3,545
Condition Ratios (%)
Loss allowance to loans1.1709%4,164
Loan loss allowance to noncurrent loans63.6364%4,700
Noncurrent assets plus other real estate owned to assets1.5983%1,689
Noncurrent loans to loans1.8400%1,552
Net loans and leases to total assets39.6222%5,771
Net loans and leases to deposits42.9125%5,935
Net loans and leases to core deposits42.9125%5,998
Total domestic deposits to total assets92.3326%111
Equity capital to assets7.5668%6,220
Core capital (leverage) ratio7.4716%6,208
Tier 1 risk-based capital ratio16.9504%2,532
Total risk-based capital ratio18.0020%2,573
Memoranda:
Average total assets$9,413,2006,501
Average earning assets$8,805,2006,484
Average equity$670,8006,506
Average total loans$3,708,4006,456
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5585%5,245
Cost of funding earning assets0.2085%5,758
Net interest margin3.3500%4,431
Noninterest income to average assets0.8674%1,635
Noninterest expense to average assets3.7915%983
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.1819%5,880
Return on assets (ROA)0.1819%5,924
Pretax return on assets0.2238%5,913
Return on Equity (ROE)2.5895%5,683
Retained earnings to average equity (ytd only)2.5895%4,743
Net charge-offs to loans0.0714%3,174
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)7.9888%2,868
Efficiency ratio94.4251%575
Assets per employee ($millions)2.2360%6,369
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0747%4,857
Loan loss allowance to noncurrent loans63.6364%4,665
Noncurrent assets plus other real estate owned to assets1.5988%1,902
Noncurrent loans to loans1.6888%1,927
Net loans and leases to total assets43.2245%5,580
Net loans and leases to deposits47.6695%5,784
Net loans and leases to core deposits47.6695%5,902
Total domestic deposits to total assets90.6753%457
Equity capital to assets7.5581%6,292
Core capital (leverage) ratio7.5111%6,280
Tier 1 risk-based capital ratio15.5868%3,268
Total risk-based capital ratio16.5552%3,359
Memoranda:
Average total assets$9,529,7506,580
Average earning assets$8,955,0006,562
Average equity$669,2506,585
Average total loans$3,738,7506,534
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4763%5,457
Cost of funding earning assets0.2186%5,760
Net interest margin3.2577%4,750
Noninterest income to average assets0.7198%2,185
Noninterest expense to average assets3.6195%1,260
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.1440%5,961
Return on assets (ROA)0.1440%5,996
Pretax return on assets0.1645%5,997
Return on Equity (ROE)2.0990%5,817
Retained earnings to average equity (ytd only)2.0990%4,849
Net charge-offs to loans0.1086%2,586
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)4.0000%3,190
Efficiency ratio95.6522%571
Assets per employee ($millions)2.3030%6,399
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1221%4,803
Loan loss allowance to noncurrent loans28.1879%5,826
Noncurrent assets plus other real estate owned to assets1.6175%2,023
Noncurrent loans to loans3.9808%597
Net loans and leases to total assets40.1759%5,797
Net loans and leases to deposits43.3728%6,011
Net loans and leases to core deposits43.3728%6,097
Total domestic deposits to total assets92.6292%108
Equity capital to assets7.2731%6,397
Core capital (leverage) ratio6.7848%6,461
Tier 1 risk-based capital ratio15.9981%3,086
Total risk-based capital ratio17.0010%3,160
Memoranda:
Average total assets$9,725,0006,645
Average earning assets$9,147,6706,628
Average equity$667,0006,651
Average total loans$3,682,3306,599
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3907%5,666
Cost of funding earning assets0.2119%5,904
Net interest margin3.1788%4,991
Noninterest income to average assets0.7614%1,904
Noninterest expense to average assets3.5265%1,440
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.2004%5,799
Return on assets (ROA)0.2004%5,850
Pretax return on assets0.2404%5,852
Return on Equity (ROE)3.0053%5,455
Retained earnings to average equity (ytd only)3.0053%4,309
Net charge-offs to loans0.1095%2,085
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)6.0000%2,297
Efficiency ratio93.6170%772
Assets per employee ($millions)3.5197%4,883
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1901%4,681
Loan loss allowance to noncurrent loans28.4768%5,900
Noncurrent assets plus other real estate owned to assets1.4301%2,480
Noncurrent loans to loans4.1794%621
Net loans and leases to total assets33.8100%6,188
Net loans and leases to deposits36.1190%6,312
Net loans and leases to core deposits36.1190%6,360
Total domestic deposits to total assets93.6073%74
Equity capital to assets6.3264%6,541
Core capital (leverage) ratio6.2151%6,561
Tier 1 risk-based capital ratio15.4522%3,466
Total risk-based capital ratio16.4469%3,570
Memoranda:
Average total assets$9,981,5006,716
Average earning assets$9,437,5006,697
Average equity$665,5006,722
Average total loans$3,652,0006,671
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6586%5,252
Cost of funding earning assets0.2500%5,964
Net interest margin3.4086%4,242
Noninterest income to average assets0.9052%1,663
Noninterest expense to average assets3.8253%1,098
Loan and lease loss provision to assets0.0108%4,909
Net operating income to assets0.2371%5,723
Return on assets (ROA)0.2371%5,789
Pretax return on assets0.3017%5,729
Return on Equity (ROE)3.3598%5,375
Retained earnings to average equity (ytd only)2.9016%4,181
Net charge-offs to loans0.0276%4,870
Credit loss provision to net charge-offs100.0000%2,416
Earnings coverage of net charge-offs (x)29.0000%1,218
Efficiency ratio92.4479%847
Assets per employee ($millions)3.1347%5,607
Cash dividends to net income (ytd only)*13.6364%3,924
Condition Ratios (%)
Loss allowance to loans1.1921%4,702
Loan loss allowance to noncurrent loans29.1391%5,971
Noncurrent assets plus other real estate owned to assets1.6057%2,312
Noncurrent loans to loans4.0910%700
Net loans and leases to total assets38.7814%6,039
Net loans and leases to deposits41.7659%6,239
Net loans and leases to core deposits41.7659%6,312
Total domestic deposits to total assets92.8541%151
Equity capital to assets7.0502%6,447
Core capital (leverage) ratio7.3074%6,442
Tier 1 risk-based capital ratio16.0610%3,072
Total risk-based capital ratio17.1269%3,118
Memoranda:
Average total assets$9,280,2006,802
Average earning assets$8,801,2006,786
Average equity$654,8006,808
Average total loans$3,622,8006,757
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6292%5,361
Cost of funding earning assets0.2582%6,023
Net interest margin3.3710%4,396
Noninterest income to average assets0.8793%1,826
Noninterest expense to average assets3.7624%1,139
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.2451%5,794
Return on assets (ROA)0.2451%5,880
Pretax return on assets0.3172%5,830
Return on Equity (ROE)3.4730%5,447
Retained earnings to average equity (ytd only)3.4730%4,217
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2261%839
Assets per employee ($millions)3.0103%5,829
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.1947%4,887
Loan loss allowance to noncurrent loans28.5714%6,033
Noncurrent assets plus other real estate owned to assets1.7052%2,406
Noncurrent loans to loans4.1814%829
Net loans and leases to total assets40.2945%6,010
Net loans and leases to deposits43.5756%6,228
Net loans and leases to core deposits43.5756%6,321
Total domestic deposits to total assets92.4704%186
Equity capital to assets7.3192%6,452
Core capital (leverage) ratio7.1809%6,554
Tier 1 risk-based capital ratio16.2608%3,057
Total risk-based capital ratio17.3432%3,103
Memoranda:
Average total assets$9,249,2506,881
Average earning assets$8,780,5006,863
Average equity$652,7506,886
Average total loans$3,605,7506,833
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6161%5,384
Cost of funding earning assets0.2729%6,032
Net interest margin3.3432%4,410
Noninterest income to average assets0.8796%1,889
Noninterest expense to average assets3.6902%1,261
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.2575%5,753
Return on assets (ROA)0.2575%5,883
Pretax return on assets0.3433%5,768
Return on Equity (ROE)3.6923%5,339
Retained earnings to average equity (ytd only)3.6923%3,958
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.4894%933
Assets per employee ($millions)3.0473%5,771
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.1876%5,054
Loan loss allowance to noncurrent loans28.0255%6,087
Noncurrent assets plus other real estate owned to assets1.7173%2,535
Noncurrent loans to loans4.2375%878
Net loans and leases to total assets40.0459%6,041
Net loans and leases to deposits45.1195%6,160
Net loans and leases to core deposits45.1195%6,276
Total domestic deposits to total assets88.7552%1,754
Equity capital to assets7.1757%6,553
Core capital (leverage) ratio7.1938%6,566
Tier 1 risk-based capital ratio15.6675%3,388
Total risk-based capital ratio16.7184%3,455
Memoranda:
Average total assets$9,322,0006,931
Average earning assets$8,794,0006,912
Average equity$650,0006,935
Average total loans$3,580,0006,881
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5040%5,689
Cost of funding earning assets0.2695%6,161
Net interest margin3.2345%4,785
Noninterest income to average assets0.8500%1,925
Noninterest expense to average assets3.6124%1,400
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.2550%5,710
Return on assets (ROA)0.2550%5,829
Pretax return on assets0.2975%5,858
Return on Equity (ROE)3.7094%5,235
Retained earnings to average equity (ytd only)3.7094%4,005
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.3913%952
Assets per employee ($millions)3.1513%5,726
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2607%4,893
Loan loss allowance to noncurrent loans27.5000%6,111
Noncurrent assets plus other real estate owned to assets1.6924%2,750
Noncurrent loans to loans4.5845%897
Net loans and leases to total assets36.4502%6,265
Net loans and leases to deposits39.1724%6,455
Net loans and leases to core deposits39.1724%6,516
Total domestic deposits to total assets93.0506%122
Equity capital to assets6.8754%6,735
Core capital (leverage) ratio6.7532%6,701
Tier 1 risk-based capital ratio16.1090%3,199
Total risk-based capital ratio17.1995%3,261
Memoranda:
Average total assets$9,412,0007,007
Average earning assets$8,904,0006,986
Average equity$647,0007,009
Average total loans$3,517,5006,959
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8360%5,749
Cost of funding earning assets0.4183%5,800
Net interest margin3.4177%4,822
Noninterest income to average assets0.8699%1,958
Noninterest expense to average assets3.6670%1,471
Loan and lease loss provision to assets0.0110%5,779
Net operating income to assets0.2753%5,555
Return on assets (ROA)0.2753%5,769
Pretax return on assets0.3414%5,738
Return on Equity (ROE)3.9358%5,171
Retained earnings to average equity (ytd only)3.4635%3,786
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.2329%967
Assets per employee ($millions)3.1233%5,803
Cash dividends to net income (ytd only)*12.0000%4,014
Condition Ratios (%)
Loss allowance to loans1.2412%4,923
Loan loss allowance to noncurrent loans56.4103%4,814
Noncurrent assets plus other real estate owned to assets0.8324%4,391
Noncurrent loans to loans2.2003%2,464
Net loans and leases to total assets37.3639%6,343
Net loans and leases to deposits40.1583%6,540
Net loans and leases to core deposits40.1583%6,612
Total domestic deposits to total assets93.0416%126
Equity capital to assets6.8730%6,795
Core capital (leverage) ratio7.0283%6,692
Tier 1 risk-based capital ratio16.0518%3,134
Total risk-based capital ratio17.1486%3,176
Memoranda:
Average total assets$9,081,0007,071
Average earning assets$8,368,2007,058
Average equity$635,2007,078
Average total loans$3,663,2007,025
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8850%5,821
Cost of funding earning assets0.4695%5,646
Net interest margin3.4156%4,982
Noninterest income to average assets0.8436%2,062
Noninterest expense to average assets3.5816%1,587
Loan and lease loss provision to assets0.0148%5,625
Net operating income to assets0.3108%5,581
Return on assets (ROA)0.3108%5,784
Pretax return on assets0.3700%5,789
Return on Equity (ROE)4.4234%5,086
Retained earnings to average equity (ytd only)4.4234%3,781
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.2985%1,019
Assets per employee ($millions)3.0177%6,022
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1793%5,376
Loan loss allowance to noncurrent loans54.3210%4,917
Noncurrent assets plus other real estate owned to assets0.8947%4,497
Noncurrent loans to loans2.1710%2,654
Net loans and leases to total assets40.7268%6,222
Net loans and leases to deposits43.9085%6,508
Net loans and leases to core deposits43.9085%6,600
Total domestic deposits to total assets92.7538%131
Equity capital to assets7.1026%6,865
Core capital (leverage) ratio6.8954%6,818
Tier 1 risk-based capital ratio15.7405%3,404
Total risk-based capital ratio16.8176%3,457
Memoranda:
Average total assets$9,008,7507,169
Average earning assets$8,236,5007,155
Average equity$633,0007,176
Average total loans$3,692,7507,119
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9672%5,741
Cost of funding earning assets0.5143%5,520
Net interest margin3.4529%4,868
Noninterest income to average assets0.8895%1,823
Noninterest expense to average assets3.5802%1,619
Loan and lease loss provision to assets0.0222%5,391
Net operating income to assets0.3336%5,486
Return on assets (ROA)0.3336%5,708
Pretax return on assets0.4225%5,653
Return on Equity (ROE)4.7644%4,928
Retained earnings to average equity (ytd only)4.7644%3,438
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9503%1,155
Assets per employee ($millions)3.1493%5,752
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1803%5,445
Loan loss allowance to noncurrent loans53.6585%4,924
Noncurrent assets plus other real estate owned to assets0.8679%4,641
Noncurrent loans to loans2.1996%2,718
Net loans and leases to total assets38.9924%6,404
Net loans and leases to deposits41.8684%6,652
Net loans and leases to core deposits41.8684%6,739
Total domestic deposits to total assets93.1308%118
Equity capital to assets6.7422%6,949
Core capital (leverage) ratio7.2950%6,720
Tier 1 risk-based capital ratio15.3753%3,522
Total risk-based capital ratio16.4374%3,606
Memoranda:
Average total assets$8,994,0007,231
Average earning assets$8,167,0007,217
Average equity$629,6707,237
Average total loans$3,680,0007,181
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0867%5,504
Cost of funding earning assets0.5482%5,507
Net interest margin3.5385%4,529
Noninterest income to average assets0.9125%1,693
Noninterest expense to average assets3.6957%1,379
Loan and lease loss provision to assets0.0456%4,830
Net operating income to assets0.3650%5,403
Return on assets (ROA)0.3650%5,588
Pretax return on assets0.4106%5,689
Return on Equity (ROE)5.1118%4,735
Retained earnings to average equity (ytd only)5.1118%3,493
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.0110%1,174
Assets per employee ($millions)2.9620%6,232
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2105%5,439
Loan loss allowance to noncurrent loans51.7647%4,967
Noncurrent assets plus other real estate owned to assets0.9566%4,591
Noncurrent loans to loans2.3384%2,763
Net loans and leases to total assets40.4119%6,315
Net loans and leases to deposits43.5695%6,581
Net loans and leases to core deposits43.5695%6,673
Total domestic deposits to total assets92.7526%159
Equity capital to assets7.0898%6,910
Core capital (leverage) ratio6.9254%6,870
Tier 1 risk-based capital ratio15.7107%3,333
Total risk-based capital ratio16.8080%3,384
Memoranda:
Average total assets$8,767,0007,296
Average earning assets$8,026,0007,281
Average equity$626,0007,298
Average total loans$3,656,0007,244
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4653%5,200
Cost of funding earning assets0.6849%5,631
Net interest margin3.7804%3,921
Noninterest income to average assets0.9616%1,468
Noninterest expense to average assets4.0191%1,015
Loan and lease loss provision to assets0.0123%6,383
Net operating income to assets0.3945%4,892
Return on assets (ROA)0.3945%5,058
Pretax return on assets0.4685%5,081
Return on Equity (ROE)5.2168%4,284
Retained earnings to average equity (ytd only)3.9126%3,427
Net charge-offs to loans0.0281%6,042
Credit loss provision to net charge-offs100.0000%3,501
Earnings coverage of net charge-offs (x)39.0000%689
Efficiency ratio89.3151%1,245
Assets per employee ($millions)2.8827%6,313
Cash dividends to net income (ytd only)*25.0000%3,323
Condition Ratios (%)
Loss allowance to loans1.1694%5,536
Loan loss allowance to noncurrent loans40.1869%5,590
Noncurrent assets plus other real estate owned to assets1.2373%4,162
Noncurrent loans to loans2.9100%2,246
Net loans and leases to total assets42.0213%6,388
Net loans and leases to deposits45.3400%6,659
Net loans and leases to core deposits45.3400%6,756
Total domestic deposits to total assets92.6804%160
Equity capital to assets7.1924%6,906
Core capital (leverage) ratio7.3401%6,730
Tier 1 risk-based capital ratio15.6085%3,263
Total risk-based capital ratio16.6876%3,322
Memoranda:
Average total assets$8,111,2007,346
Average earning assets$7,591,8007,333
Average equity$613,4007,351
Average total loans$3,560,2007,294
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4900%5,281
Cost of funding earning assets0.7248%5,629
Net interest margin3.7652%4,037
Noninterest income to average assets0.8858%1,701
Noninterest expense to average assets3.9279%1,106
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.4513%4,771
Return on assets (ROA)0.4513%4,962
Pretax return on assets0.5181%5,097
Return on Equity (ROE)5.8896%4,074
Retained earnings to average equity (ytd only)5.8896%2,623
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.3459%1,308
Assets per employee ($millions)2.7143%6,631
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.2310%5,340
Loan loss allowance to noncurrent loans42.1569%5,497
Noncurrent assets plus other real estate owned to assets1.2526%4,293
Noncurrent loans to loans2.9201%2,386
Net loans and leases to total assets42.3677%6,479
Net loans and leases to deposits46.0061%6,739
Net loans and leases to core deposits46.0061%6,845
Total domestic deposits to total assets92.0914%200
Equity capital to assets7.6753%6,856
Core capital (leverage) ratio7.6847%6,650
Tier 1 risk-based capital ratio16.2380%3,000
Total risk-based capital ratio17.3552%3,027
Memoranda:
Average total assets$7,977,0007,425
Average earning assets$7,542,5007,412
Average equity$611,2507,429
Average total loans$3,531,0007,367
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5179%5,300
Cost of funding earning assets0.7485%5,679
Net interest margin3.7694%3,942
Noninterest income to average assets0.8332%1,879
Noninterest expense to average assets3.8881%1,216
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.4292%4,816
Return on assets (ROA)0.4292%4,964
Pretax return on assets0.5049%5,058
Return on Equity (ROE)5.6044%4,151
Retained earnings to average equity (ytd only)5.6044%2,640
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.5057%1,362
Assets per employee ($millions)2.8433%6,401
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.2533%5,292
Loan loss allowance to noncurrent loans40.9524%5,588
Noncurrent assets plus other real estate owned to assets1.2309%4,434
Noncurrent loans to loans3.0603%2,365
Net loans and leases to total assets39.7186%6,768
Net loans and leases to deposits42.8752%6,960
Net loans and leases to core deposits42.8752%7,046
Total domestic deposits to total assets92.6377%153
Equity capital to assets7.2098%7,054
Core capital (leverage) ratio7.7135%6,575
Tier 1 risk-based capital ratio15.9038%3,030
Total risk-based capital ratio17.0158%3,077
Memoranda:
Average total assets$7,921,6707,501
Average earning assets$7,481,3307,487
Average equity$606,6707,506
Average total loans$3,543,6707,441
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6874%4,575
Cost of funding earning assets0.8272%5,413
Net interest margin3.8602%3,337
Noninterest income to average assets0.7351%2,358
Noninterest expense to average assets3.8858%1,196
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.4726%4,608
Return on assets (ROA)0.4726%4,691
Pretax return on assets0.5251%4,941
Return on Equity (ROE)5.9751%3,920
Retained earnings to average equity (ytd only)5.9751%2,656
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.0952%1,507
Assets per employee ($millions)2.6010%6,846
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2045%5,610
Loan loss allowance to noncurrent loans38.7387%5,718
Noncurrent assets plus other real estate owned to assets1.4225%4,146
Noncurrent loans to loans3.1092%2,411
Net loans and leases to total assets45.2006%6,360
Net loans and leases to deposits49.0884%6,684
Net loans and leases to core deposits49.0884%6,826
Total domestic deposits to total assets92.0800%260
Equity capital to assets7.7791%6,691
Core capital (leverage) ratio7.6122%6,643
Tier 1 risk-based capital ratio15.8817%2,964
Total risk-based capital ratio17.0068%2,981
Memoranda:
Average total assets$7,617,5007,562
Average earning assets$7,253,5007,546
Average equity$602,5007,563
Average total loans$3,600,0007,501
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0158%4,478
Cost of funding earning assets1.3403%3,642
Net interest margin3.6755%4,466
Noninterest income to average assets0.8687%1,981
Noninterest expense to average assets4.0063%1,152
Loan and lease loss provision to assets0.2204%5,065
Net operating income to assets0.0778%5,642
Return on assets (ROA)0.0778%5,778
Pretax return on assets0.0908%5,719
Return on Equity (ROE)1.0013%5,693
Retained earnings to average equity (ytd only)0.8344%5,132
Net charge-offs to loans0.6604%3,028
Credit loss provision to net charge-offs68.0000%5,913
Earnings coverage of net charge-offs (x)0.9600%5,150
Efficiency ratio92.7928%1,131
Assets per employee ($millions)2.4773%7,040
Cash dividends to net income (ytd only)*16.6667%3,562
Condition Ratios (%)
Loss allowance to loans1.1846%5,590
Loan loss allowance to noncurrent loans39.0909%5,697
Noncurrent assets plus other real estate owned to assets1.4801%4,097
Noncurrent loans to loans3.0303%2,517
Net loans and leases to total assets48.2643%6,365
Net loans and leases to deposits52.5722%6,709
Net loans and leases to core deposits52.5722%6,877
Total domestic deposits to total assets91.8057%323
Equity capital to assets8.0463%6,446
Core capital (leverage) ratio7.4909%6,715
Tier 1 risk-based capital ratio15.7203%2,881
Total risk-based capital ratio16.8507%2,912
Memoranda:
Average total assets$7,712,8007,643
Average earning assets$7,237,2007,632
Average equity$599,2007,656
Average total loans$3,785,4007,581
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0199%4,715
Cost of funding earning assets1.4106%3,518
Net interest margin3.6092%4,829
Noninterest income to average assets0.9079%1,769
Noninterest expense to average assets3.9230%1,173
Loan and lease loss provision to assets0.0685%6,384
Net operating income to assets0.2399%5,390
Return on assets (ROA)0.2399%5,550
Pretax return on assets0.2913%5,537
Return on Equity (ROE)3.1143%5,177
Retained earnings to average equity (ytd only)3.1143%4,256
Net charge-offs to loans0.8715%2,267
Credit loss provision to net charge-offs16.0000%6,283
Earnings coverage of net charge-offs (x)0.8401%5,211
Efficiency ratio91.6000%1,159
Assets per employee ($millions)2.6393%6,862
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.8000%7,008
Loan loss allowance to noncurrent loans25.0000%6,646
Noncurrent assets plus other real estate owned to assets1.5155%4,178
Noncurrent loans to loans3.2000%2,488
Net loans and leases to total assets46.9816%6,613
Net loans and leases to deposits51.0428%6,944
Net loans and leases to core deposits51.0428%7,085
Total domestic deposits to total assets92.0434%184
Equity capital to assets7.6661%7,024
Core capital (leverage) ratio7.6285%6,740
Tier 1 risk-based capital ratio15.1183%3,196
Total risk-based capital ratio15.8655%3,425
Memoranda:
Average total assets$7,783,0007,745
Average earning assets$7,277,5007,731
Average equity$599,5007,759
Average total loans$3,824,2507,679
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0450%4,725
Cost of funding earning assets1.4692%3,432
Net interest margin3.5759%4,920
Noninterest income to average assets0.9046%1,675
Noninterest expense to average assets3.9287%1,141
Loan and lease loss provision to assets0.0517%6,450
Net operating income to assets0.2068%5,537
Return on assets (ROA)0.2068%5,667
Pretax return on assets0.2585%5,631
Return on Equity (ROE)2.6801%5,384
Retained earnings to average equity (ytd only)2.6801%4,440
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.6829%1,147
Assets per employee ($millions)2.5393%7,048
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4021%4,407
Loan loss allowance to noncurrent loans42.0635%5,523
Noncurrent assets plus other real estate owned to assets1.6540%3,947
Noncurrent loans to loans3.3333%2,397
Net loans and leases to total assets48.9236%6,552
Net loans and leases to deposits53.2581%6,909
Net loans and leases to core deposits53.2581%7,072
Total domestic deposits to total assets91.8614%248
Equity capital to assets7.8892%6,858
Core capital (leverage) ratio7.9793%6,294
Tier 1 risk-based capital ratio15.0137%3,146
Total risk-based capital ratio16.3377%3,075
Memoranda:
Average total assets$7,738,0007,813
Average earning assets$7,215,0007,800
Average equity$597,0007,826
Average total loans$3,849,0007,747
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0633%4,719
Cost of funding earning assets1.5410%3,322
Net interest margin3.5223%5,074
Noninterest income to average assets0.7694%2,179
Noninterest expense to average assets3.7958%1,335
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.2052%5,665
Return on assets (ROA)0.2052%5,784
Pretax return on assets0.2565%5,733
Return on Equity (ROE)2.6891%5,490
Retained earnings to average equity (ytd only)2.6891%4,533
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio93.6709%1,154
Assets per employee ($millions)2.4973%7,197
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3033%4,918
Loan loss allowance to noncurrent loans38.6364%5,781
Noncurrent assets plus other real estate owned to assets1.7619%3,841
Noncurrent loans to loans3.3734%2,375
Net loans and leases to total assets51.5483%6,315
Net loans and leases to deposits56.1745%6,762
Net loans and leases to core deposits56.1745%6,986
Total domestic deposits to total assets91.7645%300
Equity capital to assets7.9685%6,691
Core capital (leverage) ratio7.6725%6,658
Tier 1 risk-based capital ratio14.6827%3,266
Total risk-based capital ratio15.9370%3,233
Memoranda:
Average total assets$7,798,0007,915
Average earning assets$7,268,0007,901
Average equity$595,0007,919
Average total loans$3,883,5007,848
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0106%1,824
Cost of funding earning assets1.9763%3,076
Net interest margin4.0343%2,723
Noninterest income to average assets0.8559%2,157
Noninterest expense to average assets4.0240%1,327
Loan and lease loss provision to assets0.2044%5,709
Net operating income to assets0.3449%4,347
Return on assets (ROA)0.3449%4,442
Pretax return on assets0.4088%4,475
Return on Equity (ROE)4.6536%3,821
Retained earnings to average equity (ytd only)4.4812%2,112
Net charge-offs to loans0.2504%5,056
Credit loss provision to net charge-offs160.0000%2,792
Earnings coverage of net charge-offs (x)4.8000%2,813
Efficiency ratio86.7769%2,026
Assets per employee ($millions)2.7013%6,855
Cash dividends to net income (ytd only)*3.7037%3,982
Condition Ratios (%)
Loss allowance to loans1.3233%4,625
Loan loss allowance to noncurrent loans37.5000%5,932
Noncurrent assets plus other real estate owned to assets1.6782%3,853
Noncurrent loans to loans3.5288%2,151
Net loans and leases to total assets46.9274%6,901
Net loans and leases to deposits50.7540%7,215
Net loans and leases to core deposits55.0282%7,439
Total domestic deposits to total assets92.4605%191
Equity capital to assets7.3174%7,185
Core capital (leverage) ratio7.4218%6,863
Tier 1 risk-based capital ratio14.3306%3,299
Total risk-based capital ratio15.5631%3,263
Memoranda:
Average total assets$7,828,0007,993
Average earning assets$7,337,0007,978
Average equity$580,2008,006
Average total loans$3,994,2007,920
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2587%1,215
Cost of funding earning assets2.0679%3,040
Net interest margin4.1908%2,095
Noninterest income to average assets0.8593%2,157
Noninterest expense to average assets4.1585%1,074
Loan and lease loss provision to assets0.2406%5,043
Net operating income to assets0.3265%4,694
Return on assets (ROA)0.3265%4,801
Pretax return on assets0.3952%4,812
Return on Equity (ROE)4.3899%4,214
Retained earnings to average equity (ytd only)4.3899%2,821
Net charge-offs to loans0.2648%4,387
Credit loss provision to net charge-offs175.0000%2,640
Earnings coverage of net charge-offs (x)4.6232%3,070
Efficiency ratio86.7384%1,988
Assets per employee ($millions)2.6383%6,969
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2562%4,784
Loan loss allowance to noncurrent loans36.9565%5,919
Noncurrent assets plus other real estate owned to assets1.7435%3,749
Noncurrent loans to loans3.3990%2,215
Net loans and leases to total assets50.6507%6,724
Net loans and leases to deposits55.0007%7,148
Net loans and leases to core deposits59.7199%7,410
Total domestic deposits to total assets92.0910%159
Equity capital to assets7.4037%7,370
Core capital (leverage) ratio7.4347%7,047
Tier 1 risk-based capital ratio13.9391%3,585
Total risk-based capital ratio15.1522%3,548
Memoranda:
Average total assets$7,759,0008,078
Average earning assets$7,285,7508,065
Average equity$577,0008,090
Average total loans$4,029,2507,997
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7378%504
Cost of funding earning assets2.1628%2,974
Net interest margin4.5751%1,006
Noninterest income to average assets0.9083%1,950
Noninterest expense to average assets4.4116%849
Loan and lease loss provision to assets0.3633%3,748
Net operating income to assets0.3374%4,730
Return on assets (ROA)0.3374%4,842
Pretax return on assets0.4152%4,889
Return on Equity (ROE)4.5296%4,291
Retained earnings to average equity (ytd only)4.5296%2,773
Net charge-offs to loans0.3981%3,208
Credit loss provision to net charge-offs175.0000%2,617
Earnings coverage of net charge-offs (x)3.7500%3,322
Efficiency ratio85.0000%2,359
Assets per employee ($millions)2.5780%7,099
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3000%4,271
Loan loss allowance to noncurrent loans36.4286%5,991
Noncurrent assets plus other real estate owned to assets1.8102%3,457
Noncurrent loans to loans3.5687%1,962
Net loans and leases to total assets50.0646%6,864
Net loans and leases to deposits54.4202%7,248
Net loans and leases to core deposits59.1506%7,481
Total domestic deposits to total assets91.9964%215
Equity capital to assets7.4994%7,265
Core capital (leverage) ratio7.5003%7,018
Tier 1 risk-based capital ratio14.1119%3,451
Total risk-based capital ratio15.3528%3,394
Memoranda:
Average total assets$7,707,0008,175
Average earning assets$7,213,0008,159
Average equity$574,0008,183
Average total loans$4,019,0008,086
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2782%1,368
Cost of funding earning assets2.1668%3,335
Net interest margin4.1114%2,236
Noninterest income to average assets0.9359%1,713
Noninterest expense to average assets4.0554%1,120
Loan and lease loss provision to assets0.2080%4,359
Net operating income to assets0.4159%4,794
Return on assets (ROA)0.4159%4,971
Pretax return on assets0.5199%5,020
Return on Equity (ROE)5.6042%4,213
Retained earnings to average equity (ytd only)5.6042%2,821
Net charge-offs to loans0.3934%2,521
Credit loss provision to net charge-offs100.0000%3,714
Earnings coverage of net charge-offs (x)3.5000%3,155
Efficiency ratio84.7826%2,212
Assets per employee ($millions)1.8985%7,963
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1318%5,248
Loan loss allowance to noncurrent loans32.1429%6,401
Noncurrent assets plus other real estate owned to assets1.8436%3,152
Noncurrent loans to loans3.5211%1,808
Net loans and leases to total assets51.7646%6,710
Net loans and leases to deposits56.1973%7,148
Net loans and leases to core deposits61.1068%7,417
Total domestic deposits to total assets92.1122%166
Equity capital to assets7.5718%7,292
Core capital (leverage) ratio7.5331%7,119
Tier 1 risk-based capital ratio13.8221%3,682
Total risk-based capital ratio14.9038%3,685
Memoranda:
Average total assets$7,693,5008,225
Average earning assets$7,199,5008,206
Average equity$571,0008,235
Average total loans$4,067,0008,133
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2052%4,489
Cost of funding earning assets2.4506%4,471
Net interest margin3.7547%4,208
Noninterest income to average assets1.0990%1,301
Noninterest expense to average assets4.1950%1,154
Loan and lease loss provision to assets0.0670%6,553
Net operating income to assets0.2949%5,562
Return on assets (ROA)0.2949%5,374
Pretax return on assets0.3485%5,397
Return on Equity (ROE)3.9314%4,851
Retained earnings to average equity (ytd only)3.3953%3,036
Net charge-offs to loans0.0757%5,675
Credit loss provision to net charge-offs166.6667%3,080
Earnings coverage of net charge-offs (x)10.3333%2,528
Efficiency ratio90.9884%1,441
Assets per employee ($millions)1.9483%7,954
Cash dividends to net income (ytd only)*13.6364%4,603
Condition Ratios (%)
Loss allowance to loans1.0823%5,402
Loan loss allowance to noncurrent loans39.4737%6,087
Noncurrent assets plus other real estate owned to assets1.4629%3,294
Noncurrent loans to loans2.7417%1,978
Net loans and leases to total assets52.7781%6,769
Net loans and leases to deposits57.0695%7,260
Net loans and leases to core deposits61.8403%7,514
Total domestic deposits to total assets92.4804%87
Equity capital to assets7.2758%7,577
Core capital (leverage) ratio7.3284%7,386
Tier 1 risk-based capital ratio12.9778%4,126
Total risk-based capital ratio14.0078%4,175
Memoranda:
Average total assets$7,461,2008,279
Average earning assets$6,978,0008,264
Average equity$559,6008,300
Average total loans$3,963,0008,194