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Timberwood Bank, Performance and Condition Ratios

2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3596%2,750
Cost of funding earning assets0.9841%1,490
Net interest margin3.3756%3,375
Noninterest income to average assets0.6699%1,767
Noninterest expense to average assets2.0013%4,389
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.3704%1,058
Return on assets (ROA)1.3484%1,196
Pretax return on assets1.7465%777
Return on Equity (ROE)10.5239%1,561
Retained earnings to average equity (ytd only)2.1716%3,384
Net charge-offs to loans0.0034%2,464
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)829.0000%67
Efficiency ratio53.0045%4,468
Assets per employee ($millions)5.3784%2,245
Cash dividends to net income (ytd only)*79.3651%1,044
Condition Ratios (%)
Loss allowance to loans2.1285%414
Loan loss allowance to noncurrent loans84.6500%3,476
Noncurrent assets plus other real estate owned to assets1.5782%657
Noncurrent loans to loans2.5145%478
Net loans and leases to total assets61.4280%3,357
Net loans and leases to deposits75.1921%3,153
Net loans and leases to core deposits89.2486%2,421
Total domestic deposits to total assets81.6948%3,499
Equity capital to assets12.9089%1,480
Core capital (leverage) ratio11.3385%2,210
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3873%1,256
Memoranda:
Average total assets$186,883,0002,986
Average earning assets$171,942,0003,000
Average equity$23,945,5002,855
Average total loans$117,991,0002,978
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4937%2,970
Cost of funding earning assets0.9903%1,766
Net interest margin3.5034%3,439
Noninterest income to average assets0.6092%2,173
Noninterest expense to average assets2.2138%4,139
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.2659%1,819
Return on assets (ROA)1.2886%1,813
Pretax return on assets1.6615%1,301
Return on Equity (ROE)10.2645%2,177
Retained earnings to average equity (ytd only)2.6361%3,718
Net charge-offs to loans-0.0332%4,731
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5519%4,025
Assets per employee ($millions)5.3028%2,245
Cash dividends to net income (ytd only)*74.3187%979
Condition Ratios (%)
Loss allowance to loans2.0164%446
Loan loss allowance to noncurrent loans98.4690%3,319
Noncurrent assets plus other real estate owned to assets1.3002%853
Noncurrent loans to loans2.0477%621
Net loans and leases to total assets62.2127%3,375
Net loans and leases to deposits75.9599%3,184
Net loans and leases to core deposits90.3953%2,386
Total domestic deposits to total assets81.9020%3,532
Equity capital to assets12.7213%1,694
Core capital (leverage) ratio11.0447%2,464
Tier 1 risk-based capital ratio15.2641%2,672
Total risk-based capital ratio16.5206%2,604
Memoranda:
Average total assets$187,959,4002,937
Average earning assets$173,687,6002,944
Average equity$23,595,8002,830
Average total loans$126,418,2002,862
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5462%2,911
Cost of funding earning assets0.9743%1,872
Net interest margin3.5719%3,323
Noninterest income to average assets0.6117%2,139
Noninterest expense to average assets2.1264%4,314
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.3788%1,535
Return on assets (ROA)1.3951%1,547
Pretax return on assets1.8060%1,078
Return on Equity (ROE)11.1509%1,954
Retained earnings to average equity (ytd only)3.4665%3,673
Net charge-offs to loans-0.0449%4,810
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3601%4,353
Assets per employee ($millions)5.3263%2,185
Cash dividends to net income (ytd only)*68.9130%992
Condition Ratios (%)
Loss allowance to loans1.8899%565
Loan loss allowance to noncurrent loans4,989.7959%140
Noncurrent assets plus other real estate owned to assets0.0412%4,508
Noncurrent loans to loans0.0379%4,486
Net loans and leases to total assets66.1959%3,023
Net loans and leases to deposits81.0394%2,797
Net loans and leases to core deposits97.5551%1,854
Total domestic deposits to total assets81.6836%3,565
Equity capital to assets12.6741%1,793
Core capital (leverage) ratio11.2199%2,450
Tier 1 risk-based capital ratio14.8150%2,943
Total risk-based capital ratio16.0705%2,870
Memoranda:
Average total assets$187,224,2502,966
Average earning assets$172,977,0002,980
Average equity$23,423,5002,858
Average total loans$127,720,7502,881
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5027%3,011
Cost of funding earning assets0.9476%1,925
Net interest margin3.5551%3,418
Noninterest income to average assets0.5718%2,280
Noninterest expense to average assets2.1140%4,392
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.3488%1,581
Return on assets (ROA)1.3709%1,571
Pretax return on assets1.7704%1,116
Return on Equity (ROE)11.0070%1,969
Retained earnings to average equity (ytd only)3.2252%3,614
Net charge-offs to loans-0.0016%3,926
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8171%4,377
Assets per employee ($millions)5.0040%2,473
Cash dividends to net income (ytd only)*70.6991%1,081
Condition Ratios (%)
Loss allowance to loans1.8332%641
Loan loss allowance to noncurrent loans1,560.3896%412
Noncurrent assets plus other real estate owned to assets0.0994%4,255
Noncurrent loans to loans0.1175%4,150
Net loans and leases to total assets69.5008%2,601
Net loans and leases to deposits86.7478%2,163
Net loans and leases to core deposits102.9844%1,471
Total domestic deposits to total assets80.1182%4,018
Equity capital to assets12.8561%1,658
Core capital (leverage) ratio11.3614%2,286
Tier 1 risk-based capital ratio14.7333%2,945
Total risk-based capital ratio15.9889%2,873
Memoranda:
Average total assets$185,717,0002,995
Average earning assets$171,585,3303,006
Average equity$23,130,6702,873
Average total loans$127,170,0002,905
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4441%3,070
Cost of funding earning assets0.9196%1,920
Net interest margin3.5246%3,519
Noninterest income to average assets0.5570%2,244
Noninterest expense to average assets2.0538%4,543
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.3613%1,482
Return on assets (ROA)1.3613%1,525
Pretax return on assets1.7591%1,078
Return on Equity (ROE)11.1079%1,909
Retained earnings to average equity (ytd only)3.2113%3,644
Net charge-offs to loans-0.0032%3,932
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8635%4,542
Assets per employee ($millions)5.0602%2,445
Cash dividends to net income (ytd only)*71.0900%1,099
Condition Ratios (%)
Loss allowance to loans1.8795%610
Loan loss allowance to noncurrent loans2,288.5714%283
Noncurrent assets plus other real estate owned to assets0.0721%4,456
Noncurrent loans to loans0.0821%4,391
Net loans and leases to total assets67.0055%2,896
Net loans and leases to deposits81.8825%2,615
Net loans and leases to core deposits96.8929%1,864
Total domestic deposits to total assets81.8312%3,770
Equity capital to assets12.3278%1,830
Core capital (leverage) ratio11.2053%2,387
Tier 1 risk-based capital ratio14.7098%2,995
Total risk-based capital ratio15.9657%2,932
Memoranda:
Average total assets$186,001,0003,023
Average earning assets$171,822,5003,034
Average equity$22,794,5002,899
Average total loans$125,213,5002,959
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3984%2,766
Cost of funding earning assets0.7257%1,924
Net interest margin3.6727%3,147
Noninterest income to average assets0.5874%2,363
Noninterest expense to average assets2.2717%4,186
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.3273%1,691
Return on assets (ROA)1.3387%1,646
Pretax return on assets1.7233%1,106
Return on Equity (ROE)10.7394%2,189
Retained earnings to average equity (ytd only)2.9151%3,939
Net charge-offs to loans0.0159%3,154
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)153.3000%555
Efficiency ratio57.0708%4,276
Assets per employee ($millions)5.1326%2,347
Cash dividends to net income (ytd only)*72.8560%953
Condition Ratios (%)
Loss allowance to loans1.9597%507
Loan loss allowance to noncurrent loans2,287.6190%320
Noncurrent assets plus other real estate owned to assets0.0731%4,456
Noncurrent loans to loans0.0857%4,364
Net loans and leases to total assets65.0357%3,252
Net loans and leases to deposits78.3825%3,123
Net loans and leases to core deposits91.5629%2,446
Total domestic deposits to total assets82.9722%3,337
Equity capital to assets12.1814%1,772
Core capital (leverage) ratio11.2730%2,287
Tier 1 risk-based capital ratio15.2733%2,713
Total risk-based capital ratio16.5300%2,636
Memoranda:
Average total assets$179,423,0003,058
Average earning assets$165,765,8003,069
Average equity$22,366,2002,873
Average total loans$126,027,8002,926
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3894%2,664
Cost of funding earning assets0.6889%1,913
Net interest margin3.7005%3,017
Noninterest income to average assets0.5907%2,363
Noninterest expense to average assets2.1877%4,345
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.4124%1,444
Return on assets (ROA)1.4277%1,393
Pretax return on assets1.8448%918
Return on Equity (ROE)11.3861%2,022
Retained earnings to average equity (ytd only)3.4749%4,028
Net charge-offs to loans0.0179%2,799
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)143.3873%567
Efficiency ratio54.5149%4,560
Assets per employee ($millions)4.7926%2,728
Cash dividends to net income (ytd only)*69.4808%873
Condition Ratios (%)
Loss allowance to loans1.9005%594
Loan loss allowance to noncurrent loans2,226.8519%303
Noncurrent assets plus other real estate owned to assets0.0778%4,585
Noncurrent loans to loans0.0853%4,497
Net loans and leases to total assets70.0070%2,646
Net loans and leases to deposits84.7482%2,508
Net loans and leases to core deposits99.6204%1,824
Total domestic deposits to total assets82.6059%3,430
Equity capital to assets12.5431%1,558
Core capital (leverage) ratio11.4799%2,183
Tier 1 risk-based capital ratio15.1266%2,827
Total risk-based capital ratio16.3829%2,747
Memoranda:
Average total assets$178,085,2503,097
Average earning assets$164,695,2503,100
Average equity$22,330,7502,889
Average total loans$126,892,0002,948
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3479%2,592
Cost of funding earning assets0.6455%1,955
Net interest margin3.7024%2,916
Noninterest income to average assets0.6022%2,314
Noninterest expense to average assets2.1611%4,458
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.4465%1,293
Return on assets (ROA)1.4456%1,299
Pretax return on assets1.8684%843
Return on Equity (ROE)11.5293%1,898
Retained earnings to average equity (ytd only)4.1502%3,537
Net charge-offs to loans0.0016%3,154
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)1,667.0000%43
Efficiency ratio53.6171%4,733
Assets per employee ($millions)4.9291%2,513
Cash dividends to net income (ytd only)*64.0031%1,179
Condition Ratios (%)
Loss allowance to loans1.8911%644
Loan loss allowance to noncurrent loans849.4737%697
Noncurrent assets plus other real estate owned to assets0.1606%4,184
Noncurrent loans to loans0.2226%3,923
Net loans and leases to total assets70.7820%2,463
Net loans and leases to deposits85.6866%2,352
Net loans and leases to core deposits102.1645%1,554
Total domestic deposits to total assets82.6057%3,522
Equity capital to assets12.6211%1,479
Core capital (leverage) ratio11.4502%2,112
Tier 1 risk-based capital ratio15.1078%2,823
Total risk-based capital ratio16.3647%2,744
Memoranda:
Average total assets$178,338,6703,113
Average earning assets$165,138,0003,114
Average equity$22,360,3302,896
Average total loans$127,007,6702,950
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2499%2,711
Cost of funding earning assets0.5837%2,145
Net interest margin3.6662%2,933
Noninterest income to average assets0.5504%2,518
Noninterest expense to average assets2.1769%4,472
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.3782%1,401
Return on assets (ROA)1.3782%1,418
Pretax return on assets1.7742%958
Return on Equity (ROE)11.0283%1,957
Retained earnings to average equity (ytd only)3.8671%3,645
Net charge-offs to loans0.0063%2,507
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)396.5000%169
Efficiency ratio55.0963%4,685
Assets per employee ($millions)5.0907%2,375
Cash dividends to net income (ytd only)*64.9351%1,128
Condition Ratios (%)
Loss allowance to loans1.9129%641
Loan loss allowance to noncurrent loans817.5676%703
Noncurrent assets plus other real estate owned to assets0.1661%4,257
Noncurrent loans to loans0.2340%3,932
Net loans and leases to total assets69.6447%2,537
Net loans and leases to deposits82.6135%2,538
Net loans and leases to core deposits98.9758%1,768
Total domestic deposits to total assets84.3018%3,195
Equity capital to assets12.4581%1,501
Core capital (leverage) ratio11.2410%2,215
Tier 1 risk-based capital ratio15.0667%2,837
Total risk-based capital ratio16.3236%2,772
Memoranda:
Average total assets$178,783,5003,138
Average earning assets$165,838,5003,140
Average equity$22,342,5002,926
Average total loans$126,500,0002,982
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2067%2,665
Cost of funding earning assets0.5681%1,838
Net interest margin3.6386%3,030
Noninterest income to average assets0.6200%2,347
Noninterest expense to average assets2.3286%4,260
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.1630%1,637
Return on assets (ROA)1.1838%1,590
Pretax return on assets1.6674%1,104
Return on Equity (ROE)9.2623%2,190
Retained earnings to average equity (ytd only)1.1925%4,548
Net charge-offs to loans0.0320%3,154
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)73.3077%821
Efficiency ratio58.7029%4,447
Assets per employee ($millions)4.9832%2,500
Cash dividends to net income (ytd only)*87.1249%597
Condition Ratios (%)
Loss allowance to loans1.9147%630
Loan loss allowance to noncurrent loans503.5343%1,112
Noncurrent assets plus other real estate owned to assets0.2681%3,814
Noncurrent loans to loans0.3803%3,396
Net loans and leases to total assets69.1606%2,653
Net loans and leases to deposits82.4934%2,669
Net loans and leases to core deposits98.6703%1,812
Total domestic deposits to total assets83.8378%3,267
Equity capital to assets12.5355%1,496
Core capital (leverage) ratio11.3264%2,081
Tier 1 risk-based capital ratio15.0162%2,848
Total risk-based capital ratio16.2734%2,771
Memoranda:
Average total assets$174,528,0003,185
Average earning assets$160,528,6003,191
Average equity$22,305,4002,922
Average total loans$121,997,6003,028
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2135%2,563
Cost of funding earning assets0.5640%1,785
Net interest margin3.6495%2,954
Noninterest income to average assets0.6278%2,324
Noninterest expense to average assets2.2356%4,455
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.2100%1,651
Return on assets (ROA)1.2371%1,581
Pretax return on assets1.7817%926
Return on Equity (ROE)9.6315%2,291
Retained earnings to average equity (ytd only)1.2459%4,905
Net charge-offs to loans0.0022%3,687
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)1,131.0562%88
Efficiency ratio56.1980%4,716
Assets per employee ($millions)4.7319%2,789
Cash dividends to net income (ytd only)*87.0645%492
Condition Ratios (%)
Loss allowance to loans2.0021%566
Loan loss allowance to noncurrent loans469.9809%1,103
Noncurrent assets plus other real estate owned to assets0.2987%3,875
Noncurrent loans to loans0.4260%3,423
Net loans and leases to total assets68.7179%2,735
Net loans and leases to deposits81.9385%2,785
Net loans and leases to core deposits100.0366%1,705
Total domestic deposits to total assets83.8652%3,170
Equity capital to assets12.8780%1,452
Core capital (leverage) ratio11.4312%2,069
Tier 1 risk-based capital ratio15.4729%2,715
Total risk-based capital ratio16.7314%2,665
Memoranda:
Average total assets$173,311,5003,228
Average earning assets$159,104,0003,235
Average equity$22,259,7502,949
Average total loans$120,874,0003,070
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2084%2,439
Cost of funding earning assets0.5545%1,750
Net interest margin3.6539%2,822
Noninterest income to average assets0.5801%2,558
Noninterest expense to average assets2.2360%4,486
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.1803%1,664
Return on assets (ROA)1.2216%1,568
Pretax return on assets1.7531%938
Return on Equity (ROE)9.5199%2,258
Retained earnings to average equity (ytd only)1.3987%4,693
Net charge-offs to loans0.0033%3,373
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)731.5000%108
Efficiency ratio56.8945%4,723
Assets per employee ($millions)5.1227%2,244
Cash dividends to net income (ytd only)*85.3081%730
Condition Ratios (%)
Loss allowance to loans1.9830%625
Loan loss allowance to noncurrent loans507.0103%1,022
Noncurrent assets plus other real estate owned to assets0.2785%4,007
Noncurrent loans to loans0.3911%3,619
Net loans and leases to total assets69.7831%2,554
Net loans and leases to deposits84.6128%2,389
Net loans and leases to core deposits104.3852%1,331
Total domestic deposits to total assets82.4735%3,737
Equity capital to assets12.9379%1,400
Core capital (leverage) ratio11.4427%2,009
Tier 1 risk-based capital ratio15.2095%2,838
Total risk-based capital ratio16.4678%2,763
Memoranda:
Average total assets$172,721,6703,252
Average earning assets$158,351,0003,268
Average equity$22,164,0002,956
Average total loans$120,242,0003,089
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1480%2,482
Cost of funding earning assets0.5388%1,798
Net interest margin3.6092%2,859
Noninterest income to average assets0.5512%2,657
Noninterest expense to average assets2.2489%4,538
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.1263%1,768
Return on assets (ROA)1.2093%1,522
Pretax return on assets1.7233%955
Return on Equity (ROE)9.4636%2,199
Retained earnings to average equity (ytd only)2.1839%4,271
Net charge-offs to loans0.0068%2,738
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)345.0000%175
Efficiency ratio58.3585%4,678
Assets per employee ($millions)5.0831%2,329
Cash dividends to net income (ytd only)*76.9231%1,018
Condition Ratios (%)
Loss allowance to loans2.0713%585
Loan loss allowance to noncurrent loans485.0099%1,076
Noncurrent assets plus other real estate owned to assets0.2934%4,026
Noncurrent loans to loans0.4271%3,563
Net loans and leases to total assets67.2702%2,778
Net loans and leases to deposits80.6508%2,660
Net loans and leases to core deposits99.6008%1,533
Total domestic deposits to total assets83.4091%3,698
Equity capital to assets12.7633%1,373
Core capital (leverage) ratio11.5644%1,904
Tier 1 risk-based capital ratio15.7345%2,650
Total risk-based capital ratio16.9935%2,591
Memoranda:
Average total assets$171,997,0003,293
Average earning assets$157,376,5003,307
Average equity$21,979,0002,985
Average total loans$118,362,5003,136
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2560%2,290
Cost of funding earning assets0.5181%1,951
Net interest margin3.7378%2,547
Noninterest income to average assets0.6210%2,548
Noninterest expense to average assets2.4582%4,134
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets1.1398%1,733
Return on assets (ROA)1.2161%1,536
Pretax return on assets1.7000%1,000
Return on Equity (ROE)9.1338%2,354
Retained earnings to average equity (ytd only)0.5128%5,127
Net charge-offs to loans-0.0949%5,575
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1226%4,713
Assets per employee ($millions)5.0344%2,352
Cash dividends to net income (ytd only)*94.3853%474
Condition Ratios (%)
Loss allowance to loans2.0855%562
Loan loss allowance to noncurrent loans629.4118%886
Noncurrent assets plus other real estate owned to assets0.2284%4,394
Noncurrent loans to loans0.3313%3,952
Net loans and leases to total assets67.5037%2,853
Net loans and leases to deposits81.1698%2,767
Net loans and leases to core deposits98.6401%1,729
Total domestic deposits to total assets83.1635%3,711
Equity capital to assets12.7943%1,352
Core capital (leverage) ratio11.4326%1,983
Tier 1 risk-based capital ratio16.0450%2,524
Total risk-based capital ratio17.3048%2,461
Memoranda:
Average total assets$169,882,6003,288
Average earning assets$155,946,0003,299
Average equity$22,619,2002,928
Average total loans$115,934,2003,130
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2450%2,359
Cost of funding earning assets0.5123%1,995
Net interest margin3.7326%2,585
Noninterest income to average assets0.6133%2,594
Noninterest expense to average assets2.3857%4,321
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.1817%1,698
Return on assets (ROA)1.2565%1,536
Pretax return on assets1.7645%967
Return on Equity (ROE)9.3452%2,337
Retained earnings to average equity (ytd only)1.4503%4,933
Net charge-offs to loans-0.1271%5,653
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1151%4,942
Assets per employee ($millions)4.8851%2,512
Cash dividends to net income (ytd only)*84.4810%630
Condition Ratios (%)
Loss allowance to loans2.0878%616
Loan loss allowance to noncurrent loans1,733.0986%360
Noncurrent assets plus other real estate owned to assets0.0831%5,107
Noncurrent loans to loans0.1205%4,858
Net loans and leases to total assets67.5021%2,875
Net loans and leases to deposits82.1269%2,718
Net loans and leases to core deposits99.8287%1,651
Total domestic deposits to total assets82.1923%3,880
Equity capital to assets13.4585%1,266
Core capital (leverage) ratio11.6075%1,952
Tier 1 risk-based capital ratio16.3740%2,463
Total risk-based capital ratio17.6338%2,413
Memoranda:
Average total assets$169,560,7503,307
Average earning assets$155,882,2503,315
Average equity$22,799,0002,937
Average total loans$115,416,0003,144
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2835%2,206
Cost of funding earning assets0.5049%2,062
Net interest margin3.7787%2,408
Noninterest income to average assets0.5772%2,738
Noninterest expense to average assets2.3704%4,424
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.1875%1,651
Return on assets (ROA)1.2975%1,385
Pretax return on assets1.8322%817
Return on Equity (ROE)9.6532%2,199
Retained earnings to average equity (ytd only)1.7335%4,695
Net charge-offs to loans-0.1902%5,801
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.6920%5,059
Assets per employee ($millions)4.6861%2,740
Cash dividends to net income (ytd only)*82.0419%855
Condition Ratios (%)
Loss allowance to loans2.1364%587
Loan loss allowance to noncurrent loans1,618.4211%378
Noncurrent assets plus other real estate owned to assets0.0901%5,163
Noncurrent loans to loans0.1320%4,910
Net loans and leases to total assets66.7979%2,965
Net loans and leases to deposits81.5770%2,757
Net loans and leases to core deposits99.4818%1,675
Total domestic deposits to total assets81.8832%4,031
Equity capital to assets13.6586%1,159
Core capital (leverage) ratio11.7595%1,803
Tier 1 risk-based capital ratio16.5942%2,392
Total risk-based capital ratio17.8543%2,338
Memoranda:
Average total assets$169,088,6703,320
Average earning assets$155,293,3303,331
Average equity$22,728,3302,950
Average total loans$114,596,6703,167
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1238%2,756
Cost of funding earning assets0.4914%2,168
Net interest margin3.6324%2,953
Noninterest income to average assets0.5529%2,787
Noninterest expense to average assets2.3298%4,574
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.1349%1,769
Return on assets (ROA)1.2263%1,578
Pretax return on assets1.6848%1,103
Return on Equity (ROE)9.1974%2,320
Retained earnings to average equity (ytd only)2.1089%4,411
Net charge-offs to loans-0.1015%5,641
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9587%5,002
Assets per employee ($millions)5.1388%2,197
Cash dividends to net income (ytd only)*77.0713%1,043
Condition Ratios (%)
Loss allowance to loans2.0840%708
Loan loss allowance to noncurrent loans1,555.5556%397
Noncurrent assets plus other real estate owned to assets0.0902%5,225
Noncurrent loans to loans0.1340%4,939
Net loans and leases to total assets65.9415%2,957
Net loans and leases to deposits80.9402%2,681
Net loans and leases to core deposits98.4643%1,603
Total domestic deposits to total assets81.4694%4,363
Equity capital to assets13.3625%1,237
Core capital (leverage) ratio11.5839%1,916
Tier 1 risk-based capital ratio16.4576%2,493
Total risk-based capital ratio17.7170%2,445
Memoranda:
Average total assets$169,283,0003,335
Average earning assets$155,488,0003,348
Average equity$22,571,5002,969
Average total loans$114,321,0003,179
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1685%2,676
Cost of funding earning assets0.5105%2,067
Net interest margin3.6580%2,909
Noninterest income to average assets0.7661%1,915
Noninterest expense to average assets2.3244%4,720
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.2955%1,275
Return on assets (ROA)1.3397%1,215
Pretax return on assets1.8678%698
Return on Equity (ROE)9.8027%2,085
Retained earnings to average equity (ytd only)-2.7316%5,801
Net charge-offs to loans0.0409%3,399
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)65.0638%824
Efficiency ratio54.4545%5,493
Assets per employee ($millions)5.1208%2,211
Cash dividends to net income (ytd only)*127.8660%217
Condition Ratios (%)
Loss allowance to loans2.0544%735
Loan loss allowance to noncurrent loans1,536.6013%413
Noncurrent assets plus other real estate owned to assets0.0905%5,256
Noncurrent loans to loans0.1337%4,956
Net loans and leases to total assets66.3294%2,940
Net loans and leases to deposits81.4788%2,654
Net loans and leases to core deposits97.7193%1,694
Total domestic deposits to total assets81.4069%4,365
Equity capital to assets13.3046%1,209
Core capital (leverage) ratio11.5309%1,938
Tier 1 risk-based capital ratio16.4219%2,522
Total risk-based capital ratio17.6809%2,470
Memoranda:
Average total assets$169,291,2003,315
Average earning assets$155,714,8003,320
Average equity$23,136,4002,868
Average total loans$114,960,0003,121
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1305%2,806
Cost of funding earning assets0.5172%2,065
Net interest margin3.6134%3,104
Noninterest income to average assets0.5448%3,076
Noninterest expense to average assets2.2696%4,860
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.1667%1,772
Return on assets (ROA)1.2265%1,626
Pretax return on assets1.6847%1,147
Return on Equity (ROE)8.9155%2,621
Retained earnings to average equity (ytd only)4.3376%3,387
Net charge-offs to loans-0.1564%5,930
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.6579%5,262
Assets per employee ($millions)5.1393%2,128
Cash dividends to net income (ytd only)*51.3479%1,816
Condition Ratios (%)
Loss allowance to loans2.2091%653
Loan loss allowance to noncurrent loans514.8374%1,007
Noncurrent assets plus other real estate owned to assets0.3302%4,441
Noncurrent loans to loans0.4291%4,064
Net loans and leases to total assets66.1165%2,988
Net loans and leases to deposits82.1948%2,625
Net loans and leases to core deposits98.7703%1,629
Total domestic deposits to total assets80.4388%4,630
Equity capital to assets13.8901%1,068
Core capital (leverage) ratio12.3570%1,486
Tier 1 risk-based capital ratio17.6243%2,149
Total risk-based capital ratio18.8857%2,104
Memoranda:
Average total assets$169,367,2503,342
Average earning assets$155,973,0003,345
Average equity$23,299,7502,879
Average total loans$115,090,2503,148
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0972%2,905
Cost of funding earning assets0.5211%2,060
Net interest margin3.5761%3,182
Noninterest income to average assets0.5576%2,992
Noninterest expense to average assets2.2683%4,931
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.1481%1,788
Return on assets (ROA)1.2275%1,592
Pretax return on assets1.6894%1,103
Return on Equity (ROE)8.9515%2,577
Retained earnings to average equity (ytd only)4.2130%3,354
Net charge-offs to loans-0.1753%5,988
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9675%5,340
Assets per employee ($millions)5.1001%2,142
Cash dividends to net income (ytd only)*52.9355%1,822
Condition Ratios (%)
Loss allowance to loans2.1508%788
Loan loss allowance to noncurrent loans346.6019%1,418
Noncurrent assets plus other real estate owned to assets0.4837%4,001
Noncurrent loans to loans0.6205%3,608
Net loans and leases to total assets67.5518%2,710
Net loans and leases to deposits85.1637%2,154
Net loans and leases to core deposits102.2373%1,315
Total domestic deposits to total assets79.3199%5,020
Equity capital to assets13.7212%1,084
Core capital (leverage) ratio12.2444%1,514
Tier 1 risk-based capital ratio17.0652%2,379
Total risk-based capital ratio18.3254%2,320
Memoranda:
Average total assets$169,291,0003,364
Average earning assets$155,812,6703,368
Average equity$23,214,0002,897
Average total loans$115,232,3303,167
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1081%2,793
Cost of funding earning assets0.5286%2,022
Net interest margin3.5795%3,081
Noninterest income to average assets0.5584%2,903
Noninterest expense to average assets2.2899%4,913
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.2086%1,521
Return on assets (ROA)1.3759%1,138
Pretax return on assets1.7693%921
Return on Equity (ROE)10.0367%1,988
Retained earnings to average equity (ytd only)4.8809%3,123
Net charge-offs to loans-0.0697%5,694
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5980%5,378
Assets per employee ($millions)5.0297%2,316
Cash dividends to net income (ytd only)*51.3699%1,685
Condition Ratios (%)
Loss allowance to loans2.1204%896
Loan loss allowance to noncurrent loans381.9905%1,262
Noncurrent assets plus other real estate owned to assets0.4111%4,384
Noncurrent loans to loans0.5551%3,918
Net loans and leases to total assets65.2677%2,884
Net loans and leases to deposits81.2632%2,417
Net loans and leases to core deposits95.4415%1,656
Total domestic deposits to total assets80.3165%4,986
Equity capital to assets13.6120%1,121
Core capital (leverage) ratio12.0742%1,594
Tier 1 risk-based capital ratio17.4329%2,322
Total risk-based capital ratio18.6952%2,273
Memoranda:
Average total assets$169,785,5003,371
Average earning assets$155,888,0003,379
Average equity$23,274,5002,904
Average total loans$114,753,5003,180
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2988%2,610
Cost of funding earning assets0.6537%1,383
Net interest margin3.6451%3,234
Noninterest income to average assets0.6532%2,532
Noninterest expense to average assets2.3642%4,937
Loan and lease loss provision to assets0.0441%3,688
Net operating income to assets1.1347%1,839
Return on assets (ROA)1.1583%1,803
Pretax return on assets1.5853%1,282
Return on Equity (ROE)8.6957%2,733
Retained earnings to average equity (ytd only)1.6404%4,994
Net charge-offs to loans0.3496%1,256
Credit loss provision to net charge-offs19.0840%3,984
Earnings coverage of net charge-offs (x)6.9186%3,121
Efficiency ratio57.7995%5,480
Assets per employee ($millions)4.8160%2,573
Cash dividends to net income (ytd only)*81.1359%864
Condition Ratios (%)
Loss allowance to loans2.0767%986
Loan loss allowance to noncurrent loans476.7396%1,107
Noncurrent assets plus other real estate owned to assets0.3477%4,666
Noncurrent loans to loans0.4356%4,339
Net loans and leases to total assets67.0835%2,715
Net loans and leases to deposits84.2455%2,179
Net loans and leases to core deposits97.8234%1,566
Total domestic deposits to total assets79.6286%5,114
Equity capital to assets13.8058%1,031
Core capital (leverage) ratio12.0409%1,595
Tier 1 risk-based capital ratio16.7770%2,605
Total risk-based capital ratio18.0363%2,553
Memoranda:
Average total assets$170,246,8003,340
Average earning assets$154,509,6003,372
Average equity$22,677,8002,885
Average total loans$112,417,0003,170
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2940%2,662
Cost of funding earning assets0.6742%1,295
Net interest margin3.6198%3,348
Noninterest income to average assets0.4781%3,702
Noninterest expense to average assets2.3273%5,036
Loan and lease loss provision to assets0.0586%3,198
Net operating income to assets1.0289%2,330
Return on assets (ROA)1.0289%2,386
Pretax return on assets1.3679%2,125
Return on Equity (ROE)7.7940%3,317
Retained earnings to average equity (ytd only)1.8760%5,118
Net charge-offs to loans0.1505%2,285
Credit loss provision to net charge-offs59.5238%2,939
Earnings coverage of net charge-offs (x)14.4917%2,140
Efficiency ratio60.0000%5,178
Assets per employee ($millions)4.9089%2,369
Cash dividends to net income (ytd only)*75.9300%848
Condition Ratios (%)
Loss allowance to loans2.3359%797
Loan loss allowance to noncurrent loans272.7738%1,667
Noncurrent assets plus other real estate owned to assets0.7951%3,433
Noncurrent loans to loans0.8564%3,423
Net loans and leases to total assets64.8519%3,047
Net loans and leases to deposits80.5293%2,613
Net loans and leases to core deposits97.1921%1,577
Total domestic deposits to total assets80.5320%4,956
Equity capital to assets13.4713%1,193
Core capital (leverage) ratio11.9537%1,725
Tier 1 risk-based capital ratio16.4409%2,837
Total risk-based capital ratio17.7026%2,785
Memoranda:
Average total assets$170,668,5003,356
Average earning assets$154,445,0003,394
Average equity$22,529,5002,900
Average total loans$111,652,7503,203
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1764%3,049
Cost of funding earning assets0.6836%1,286
Net interest margin3.4929%3,811
Noninterest income to average assets0.4369%3,975
Noninterest expense to average assets2.3666%4,980
Loan and lease loss provision to assets0.0587%3,105
Net operating income to assets0.9196%2,703
Return on assets (ROA)0.9196%2,807
Pretax return on assets1.1804%2,761
Return on Equity (ROE)7.0148%3,617
Retained earnings to average equity (ytd only)1.6395%5,082
Net charge-offs to loans0.4457%915
Credit loss provision to net charge-offs20.2429%3,197
Earnings coverage of net charge-offs (x)4.2713%3,144
Efficiency ratio63.5505%4,763
Assets per employee ($millions)4.6110%2,753
Cash dividends to net income (ytd only)*76.6284%986
Condition Ratios (%)
Loss allowance to loans2.2446%964
Loan loss allowance to noncurrent loans72.4813%4,417
Noncurrent assets plus other real estate owned to assets2.5849%1,065
Noncurrent loans to loans3.0968%921
Net loans and leases to total assets64.2766%3,031
Net loans and leases to deposits81.0802%2,378
Net loans and leases to core deposits95.5893%1,636
Total domestic deposits to total assets79.2753%5,395
Equity capital to assets13.3757%1,202
Core capital (leverage) ratio11.9082%1,714
Tier 1 risk-based capital ratio16.5434%2,805
Total risk-based capital ratio17.8036%2,766
Memoranda:
Average total assets$170,288,0003,380
Average earning assets$154,487,0003,404
Average equity$22,324,3302,912
Average total loans$110,841,3303,227
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1701%2,983
Cost of funding earning assets0.6929%1,291
Net interest margin3.4772%3,793
Noninterest income to average assets0.3926%4,251
Noninterest expense to average assets2.3723%5,002
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9334%2,490
Return on assets (ROA)0.9334%2,559
Pretax return on assets1.1944%2,503
Return on Equity (ROE)7.1932%3,357
Retained earnings to average equity (ytd only)1.7575%4,903
Net charge-offs to loans-0.0073%4,929
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4034%4,799
Assets per employee ($millions)4.6057%2,806
Cash dividends to net income (ytd only)*75.5668%1,048
Condition Ratios (%)
Loss allowance to loans2.4570%856
Loan loss allowance to noncurrent loans146.7855%2,692
Noncurrent assets plus other real estate owned to assets1.5193%2,327
Noncurrent loans to loans1.6739%2,318
Net loans and leases to total assets63.2958%3,015
Net loans and leases to deposits78.2597%2,514
Net loans and leases to core deposits91.5311%1,777
Total domestic deposits to total assets80.8792%5,268
Equity capital to assets13.1001%1,263
Core capital (leverage) ratio11.8960%1,714
Tier 1 risk-based capital ratio17.3177%2,549
Total risk-based capital ratio18.5814%2,511
Memoranda:
Average total assets$170,128,0003,405
Average earning assets$155,297,5003,411
Average equity$22,076,5002,934
Average total loans$110,172,5003,259
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3445%2,793
Cost of funding earning assets0.7783%1,330
Net interest margin3.5661%3,614
Noninterest income to average assets0.4252%4,267
Noninterest expense to average assets2.1705%5,694
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.0969%1,947
Return on assets (ROA)1.1182%1,939
Pretax return on assets1.5230%1,374
Return on Equity (ROE)8.5648%2,748
Retained earnings to average equity (ytd only)0.1876%5,765
Net charge-offs to loans0.4443%1,496
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)5.0413%3,398
Efficiency ratio57.2111%5,824
Assets per employee ($millions)4.4696%2,956
Cash dividends to net income (ytd only)*97.8091%454
Condition Ratios (%)
Loss allowance to loans2.4735%848
Loan loss allowance to noncurrent loans254.9296%1,705
Noncurrent assets plus other real estate owned to assets1.0651%3,282
Noncurrent loans to loans0.9703%3,579
Net loans and leases to total assets63.0281%3,198
Net loans and leases to deposits77.6208%2,775
Net loans and leases to core deposits91.0312%1,901
Total domestic deposits to total assets81.1999%5,121
Equity capital to assets12.8523%1,344
Core capital (leverage) ratio11.7599%1,786
Tier 1 risk-based capital ratio16.5804%2,806
Total risk-based capital ratio17.8433%2,771
Memoranda:
Average total assets$171,437,2003,390
Average earning assets$155,715,6003,405
Average equity$22,382,4002,884
Average total loans$114,328,6003,167
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3681%2,699
Cost of funding earning assets0.7897%1,383
Net interest margin3.5784%3,544
Noninterest income to average assets0.4493%4,162
Noninterest expense to average assets2.0011%6,010
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.2197%1,568
Return on assets (ROA)1.2415%1,581
Pretax return on assets1.7272%1,043
Return on Equity (ROE)9.4725%2,405
Retained earnings to average equity (ytd only)0.5920%5,731
Net charge-offs to loans0.1628%2,931
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)15.5103%1,856
Efficiency ratio52.0982%6,245
Assets per employee ($millions)4.4860%2,905
Cash dividends to net income (ytd only)*93.7500%501
Condition Ratios (%)
Loss allowance to loans2.7198%725
Loan loss allowance to noncurrent loans230.4185%1,760
Noncurrent assets plus other real estate owned to assets1.2055%3,238
Noncurrent loans to loans1.1804%3,458
Net loans and leases to total assets64.6862%2,881
Net loans and leases to deposits80.9719%2,265
Net loans and leases to core deposits95.1448%1,460
Total domestic deposits to total assets79.8873%5,536
Equity capital to assets12.7941%1,429
Core capital (leverage) ratio11.7291%1,870
Tier 1 risk-based capital ratio16.2032%3,082
Total risk-based capital ratio17.4689%3,037
Memoranda:
Average total assets$171,835,2503,411
Average earning assets$156,006,2503,440
Average equity$22,520,7502,903
Average total loans$115,469,5003,156
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4056%2,541
Cost of funding earning assets0.7986%1,418
Net interest margin3.6070%3,327
Noninterest income to average assets0.4075%4,470
Noninterest expense to average assets1.9038%6,217
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2739%1,389
Return on assets (ROA)1.2781%1,470
Pretax return on assets1.7865%956
Return on Equity (ROE)9.6759%2,331
Retained earnings to average equity (ytd only)0.8876%5,545
Net charge-offs to loans0.2772%2,096
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)9.5280%2,272
Efficiency ratio49.6534%6,455
Assets per employee ($millions)4.8821%2,256
Cash dividends to net income (ytd only)*90.8265%669
Condition Ratios (%)
Loss allowance to loans2.5720%910
Loan loss allowance to noncurrent loans2,430.9524%247
Noncurrent assets plus other real estate owned to assets0.7315%4,386
Noncurrent loans to loans0.1058%6,077
Net loans and leases to total assets67.9025%2,259
Net loans and leases to deposits86.0881%1,567
Net loans and leases to core deposits100.6681%1,032
Total domestic deposits to total assets78.8755%5,822
Equity capital to assets12.9605%1,359
Core capital (leverage) ratio11.6857%1,811
Tier 1 risk-based capital ratio15.9101%3,247
Total risk-based capital ratio17.1752%3,180
Memoranda:
Average total assets$172,290,6703,426
Average earning assets$156,528,6703,453
Average equity$22,757,6702,891
Average total loans$116,175,0003,142
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3742%2,612
Cost of funding earning assets0.8152%1,443
Net interest margin3.5590%3,432
Noninterest income to average assets0.5965%3,163
Noninterest expense to average assets2.2728%5,493
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1314%1,740
Return on assets (ROA)1.1399%1,832
Pretax return on assets1.5653%1,394
Return on Equity (ROE)8.5503%2,688
Retained earnings to average equity (ytd only)-0.1214%5,798
Net charge-offs to loans0.2894%1,808
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)8.0964%1,981
Efficiency ratio57.4622%5,905
Assets per employee ($millions)4.9582%2,269
Cash dividends to net income (ytd only)*101.4199%635
Condition Ratios (%)
Loss allowance to loans2.7031%913
Loan loss allowance to noncurrent loans536.7521%805
Noncurrent assets plus other real estate owned to assets0.9698%3,992
Noncurrent loans to loans0.5036%5,167
Net loans and leases to total assets65.1296%2,525
Net loans and leases to deposits80.6076%2,004
Net loans and leases to core deposits94.2723%1,324
Total domestic deposits to total assets80.7983%5,549
Equity capital to assets13.2197%1,330
Core capital (leverage) ratio11.6000%1,814
Tier 1 risk-based capital ratio16.2309%3,140
Total risk-based capital ratio17.4981%3,081
Memoranda:
Average total assets$172,999,5003,449
Average earning assets$157,012,5003,485
Average equity$23,063,5002,911
Average total loans$114,717,5003,187
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7060%2,567
Cost of funding earning assets0.9878%1,420
Net interest margin3.7183%3,568
Noninterest income to average assets0.6304%3,107
Noninterest expense to average assets2.3420%5,587
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.1604%1,733
Return on assets (ROA)1.2370%1,650
Pretax return on assets1.7643%989
Return on Equity (ROE)9.2440%2,519
Retained earnings to average equity (ytd only)3.4043%3,830
Net charge-offs to loans0.3452%2,907
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)7.1834%2,659
Efficiency ratio57.3642%5,913
Assets per employee ($millions)4.4221%3,104
Cash dividends to net income (ytd only)*63.1727%1,642
Condition Ratios (%)
Loss allowance to loans2.8463%788
Loan loss allowance to noncurrent loans225.2970%1,664
Noncurrent assets plus other real estate owned to assets1.5128%3,112
Noncurrent loans to loans1.2633%3,722
Net loans and leases to total assets63.8094%2,930
Net loans and leases to deposits79.8339%2,306
Net loans and leases to core deposits90.2417%1,808
Total domestic deposits to total assets79.9278%5,687
Equity capital to assets13.4441%1,254
Core capital (leverage) ratio11.5669%1,831
Tier 1 risk-based capital ratio16.3302%2,980
Total risk-based capital ratio17.5983%2,925
Memoranda:
Average total assets$172,759,2003,404
Average earning assets$156,416,0003,433
Average equity$23,117,6002,837
Average total loans$115,303,4003,180
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6977%2,815
Cost of funding earning assets1.0247%1,423
Net interest margin3.6731%3,908
Noninterest income to average assets0.5925%3,332
Noninterest expense to average assets2.2696%5,773
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.1423%1,941
Return on assets (ROA)1.2443%1,760
Pretax return on assets1.7897%1,075
Return on Equity (ROE)9.3098%2,671
Retained earnings to average equity (ytd only)4.4038%3,791
Net charge-offs to loans0.2556%3,191
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)9.5992%2,303
Efficiency ratio56.7317%5,956
Assets per employee ($millions)4.9301%2,280
Cash dividends to net income (ytd only)*52.6971%1,581
Condition Ratios (%)
Loss allowance to loans2.9642%746
Loan loss allowance to noncurrent loans228.8889%1,562
Noncurrent assets plus other real estate owned to assets1.6163%3,165
Noncurrent loans to loans1.2950%3,873
Net loans and leases to total assets64.4832%2,936
Net loans and leases to deposits81.2681%2,212
Net loans and leases to core deposits98.9630%1,194
Total domestic deposits to total assets79.3463%5,797
Equity capital to assets13.5858%1,317
Core capital (leverage) ratio11.6447%1,872
Tier 1 risk-based capital ratio15.6074%3,474
Total risk-based capital ratio16.8755%3,426
Memoranda:
Average total assets$172,833,5003,441
Average earning assets$156,269,5003,481
Average equity$23,100,5002,867
Average total loans$115,811,5003,208
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7466%2,731
Cost of funding earning assets1.0575%1,423
Net interest margin3.6891%3,876
Noninterest income to average assets0.5887%3,330
Noninterest expense to average assets2.2310%5,920
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.1648%1,833
Return on assets (ROA)1.2734%1,674
Pretax return on assets1.8517%937
Return on Equity (ROE)9.5796%2,540
Retained earnings to average equity (ytd only)6.5343%2,368
Net charge-offs to loans0.3838%2,484
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)6.5695%2,616
Efficiency ratio55.5981%6,162
Assets per employee ($millions)4.7338%2,527
Cash dividends to net income (ytd only)*31.7893%2,533
Condition Ratios (%)
Loss allowance to loans2.9970%784
Loan loss allowance to noncurrent loans283.1667%1,259
Noncurrent assets plus other real estate owned to assets1.5233%3,418
Noncurrent loans to loans1.0584%4,397
Net loans and leases to total assets64.5366%2,925
Net loans and leases to deposits81.5116%2,171
Net loans and leases to core deposits99.7750%1,109
Total domestic deposits to total assets79.1747%5,928
Equity capital to assets13.5966%1,265
Core capital (leverage) ratio11.5042%1,905
Tier 1 risk-based capital ratio15.5624%3,397
Total risk-based capital ratio16.8309%3,352
Memoranda:
Average total assets$172,926,3303,460
Average earning assets$156,407,3303,489
Average equity$22,986,3302,853
Average total loans$116,192,6703,215
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7552%2,829
Cost of funding earning assets1.0884%1,466
Net interest margin3.6669%3,975
Noninterest income to average assets0.6109%3,155
Noninterest expense to average assets2.1748%6,103
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1786%1,804
Return on assets (ROA)1.3802%1,405
Pretax return on assets2.0484%686
Return on Equity (ROE)10.5006%2,234
Retained earnings to average equity (ytd only)7.0062%2,436
Net charge-offs to loans0.6701%1,465
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)3.8629%2,722
Efficiency ratio54.2155%6,325
Assets per employee ($millions)5.0977%2,127
Cash dividends to net income (ytd only)*33.2779%1,982
Condition Ratios (%)
Loss allowance to loans2.9804%849
Loan loss allowance to noncurrent loans266.0451%1,262
Noncurrent assets plus other real estate owned to assets1.5451%3,545
Noncurrent loans to loans1.1203%4,460
Net loans and leases to total assets64.3065%2,800
Net loans and leases to deposits80.6317%2,116
Net loans and leases to core deposits101.3043%900
Total domestic deposits to total assets79.7534%5,909
Equity capital to assets13.3156%1,311
Core capital (leverage) ratio11.3414%2,004
Tier 1 risk-based capital ratio15.2427%3,593
Total risk-based capital ratio16.5108%3,545
Memoranda:
Average total assets$174,180,5003,467
Average earning assets$157,300,0003,484
Average equity$22,894,0002,863
Average total loans$117,599,0003,201
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0162%2,806
Cost of funding earning assets1.3914%1,080
Net interest margin3.6248%4,633
Noninterest income to average assets0.4162%4,481
Noninterest expense to average assets2.2202%6,226
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.9888%2,240
Return on assets (ROA)1.0479%2,155
Pretax return on assets1.5564%1,322
Return on Equity (ROE)8.2423%2,786
Retained earnings to average equity (ytd only)7.4532%1,287
Net charge-offs to loans0.8289%2,092
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)2.5306%3,950
Efficiency ratio58.8747%5,923
Assets per employee ($millions)5.1482%2,002
Cash dividends to net income (ytd only)*9.5733%3,873
Condition Ratios (%)
Loss allowance to loans3.0104%804
Loan loss allowance to noncurrent loans207.0898%1,595
Noncurrent assets plus other real estate owned to assets2.0293%2,927
Noncurrent loans to loans1.4537%3,984
Net loans and leases to total assets66.6678%2,650
Net loans and leases to deposits84.3665%1,876
Net loans and leases to core deposits106.9312%759
Total domestic deposits to total assets79.0217%5,993
Equity capital to assets12.9738%1,499
Core capital (leverage) ratio11.0131%2,258
Tier 1 risk-based capital ratio14.2660%4,136
Total risk-based capital ratio15.5345%4,083
Memoranda:
Average total assets$174,441,6003,425
Average earning assets$157,471,0003,447
Average equity$22,178,4002,872
Average total loans$122,086,6003,136
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0165%3,006
Cost of funding earning assets1.4541%1,009
Net interest margin3.5624%4,930
Noninterest income to average assets0.4636%4,187
Noninterest expense to average assets2.1687%6,348
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.0085%2,288
Return on assets (ROA)1.0526%2,273
Pretax return on assets1.5804%1,433
Return on Equity (ROE)8.3219%2,906
Retained earnings to average equity (ytd only)7.2635%1,829
Net charge-offs to loans1.0958%1,450
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)1.9662%4,180
Efficiency ratio57.5493%6,077
Assets per employee ($millions)5.1581%1,981
Cash dividends to net income (ytd only)*12.7182%3,192
Condition Ratios (%)
Loss allowance to loans3.0097%854
Loan loss allowance to noncurrent loans206.7236%1,516
Noncurrent assets plus other real estate owned to assets2.1696%2,937
Noncurrent loans to loans1.4559%4,116
Net loans and leases to total assets66.6665%2,753
Net loans and leases to deposits84.8996%1,857
Net loans and leases to core deposits107.5762%783
Total domestic deposits to total assets78.5239%6,090
Equity capital to assets12.9613%1,631
Core capital (leverage) ratio11.0495%2,346
Tier 1 risk-based capital ratio14.1122%4,273
Total risk-based capital ratio15.3805%4,224
Memoranda:
Average total assets$174,292,5003,445
Average earning assets$157,529,5003,473
Average equity$22,045,7502,885
Average total loans$122,529,2503,156
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0273%3,028
Cost of funding earning assets1.5303%893
Net interest margin3.4970%5,178
Noninterest income to average assets0.4163%4,543
Noninterest expense to average assets2.1250%6,545
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.9751%2,332
Return on assets (ROA)0.9751%2,436
Pretax return on assets1.4603%1,638
Return on Equity (ROE)7.7736%3,060
Retained earnings to average equity (ytd only)6.1694%2,318
Net charge-offs to loans0.9595%1,632
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)2.1489%3,768
Efficiency ratio57.9217%6,176
Assets per employee ($millions)5.2438%1,825
Cash dividends to net income (ytd only)*20.6368%2,838
Condition Ratios (%)
Loss allowance to loans3.4105%642
Loan loss allowance to noncurrent loans171.7502%1,743
Noncurrent assets plus other real estate owned to assets2.4635%2,705
Noncurrent loans to loans1.9857%3,506
Net loans and leases to total assets66.1699%2,996
Net loans and leases to deposits84.2981%2,063
Net loans and leases to core deposits107.2708%849
Total domestic deposits to total assets78.4951%6,191
Equity capital to assets12.9060%1,567
Core capital (leverage) ratio10.4088%2,818
Tier 1 risk-based capital ratio13.3037%4,689
Total risk-based capital ratio14.5762%4,647
Memoranda:
Average total assets$173,931,3303,469
Average earning assets$157,619,0003,493
Average equity$21,817,3302,897
Average total loans$123,190,6703,165
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0752%2,752
Cost of funding earning assets1.6006%815
Net interest margin3.4746%5,123
Noninterest income to average assets0.4725%4,098
Noninterest expense to average assets2.1723%6,483
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.9657%2,294
Return on assets (ROA)0.9657%2,359
Pretax return on assets1.4475%1,607
Return on Equity (ROE)7.8109%3,002
Retained earnings to average equity (ytd only)7.8109%1,806
Net charge-offs to loans0.9975%1,362
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)2.0160%3,297
Efficiency ratio58.6819%6,174
Assets per employee ($millions)5.6883%1,416
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.4969%602
Loan loss allowance to noncurrent loans230.0319%1,303
Noncurrent assets plus other real estate owned to assets2.1136%3,171
Noncurrent loans to loans1.5202%4,194
Net loans and leases to total assets67.6080%2,635
Net loans and leases to deposits85.9545%1,735
Net loans and leases to core deposits109.8571%734
Total domestic deposits to total assets78.6556%6,263
Equity capital to assets12.4268%1,666
Core capital (leverage) ratio10.1741%2,951
Tier 1 risk-based capital ratio12.7580%5,006
Total risk-based capital ratio14.0321%4,965
Memoranda:
Average total assets$174,375,0003,477
Average earning assets$157,945,5003,503
Average equity$21,559,5002,915
Average total loans$125,513,0003,140
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3533%2,880
Cost of funding earning assets1.9764%660
Net interest margin3.3769%5,710
Noninterest income to average assets0.5093%4,101
Noninterest expense to average assets2.2810%6,411
Loan and lease loss provision to assets0.1694%5,531
Net operating income to assets0.7624%2,945
Return on assets (ROA)0.7447%3,144
Pretax return on assets1.0959%2,593
Return on Equity (ROE)6.3035%3,449
Retained earnings to average equity (ytd only)6.3035%1,660
Net charge-offs to loans-0.0583%7,459
Credit loss provision to net charge-offs-394.7368%7,101
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5099%5,628
Assets per employee ($millions)5.3879%1,684
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.6349%535
Loan loss allowance to noncurrent loans211.5016%1,436
Noncurrent assets plus other real estate owned to assets1.8949%3,490
Noncurrent loans to loans1.7186%3,924
Net loans and leases to total assets71.2556%2,245
Net loans and leases to deposits91.8672%1,278
Net loans and leases to core deposits121.0253%504
Total domestic deposits to total assets77.5638%6,388
Equity capital to assets12.2995%1,741
Core capital (leverage) ratio9.8042%3,309
Tier 1 risk-based capital ratio11.8746%5,599
Total risk-based capital ratio13.1506%5,547
Memoranda:
Average total assets$177,116,4003,420
Average earning assets$160,648,2003,437
Average equity$20,924,8003,017
Average total loans$130,429,6003,116
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2879%3,407
Cost of funding earning assets2.0395%663
Net interest margin3.2484%6,177
Noninterest income to average assets0.5093%4,104
Noninterest expense to average assets2.2233%6,543
Loan and lease loss provision to assets0.1309%5,718
Net operating income to assets0.7415%3,236
Return on assets (ROA)0.8121%3,095
Pretax return on assets1.2085%2,457
Return on Equity (ROE)6.9432%3,371
Retained earnings to average equity (ytd only)6.9432%1,887
Net charge-offs to loans-0.0874%7,532
Credit loss provision to net charge-offs-203.4884%6,950
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9245%5,445
Assets per employee ($millions)5.0347%2,130
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.4709%550
Loan loss allowance to noncurrent loans190.7134%1,509
Noncurrent assets plus other real estate owned to assets2.1207%3,302
Noncurrent loans to loans1.8200%3,914
Net loans and leases to total assets71.3048%2,404
Net loans and leases to deposits91.3499%1,528
Net loans and leases to core deposits116.9241%718
Total domestic deposits to total assets78.0568%6,245
Equity capital to assets12.1744%2,043
Core capital (leverage) ratio9.5519%3,826
Tier 1 risk-based capital ratio11.7000%5,731
Total risk-based capital ratio12.9746%5,677
Memoranda:
Average total assets$178,292,2503,445
Average earning assets$161,799,2503,468
Average equity$20,854,5003,067
Average total loans$131,165,0003,156
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3002%3,471
Cost of funding earning assets2.1004%657
Net interest margin3.1998%6,319
Noninterest income to average assets0.5073%4,052
Noninterest expense to average assets2.2505%6,503
Loan and lease loss provision to assets0.1676%5,201
Net operating income to assets0.6816%3,475
Return on assets (ROA)0.6839%3,616
Pretax return on assets1.0001%3,114
Return on Equity (ROE)5.9259%3,835
Retained earnings to average equity (ytd only)5.9259%2,373
Net charge-offs to loans-0.1658%7,621
Credit loss provision to net charge-offs-137.6147%6,697
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5288%5,238
Assets per employee ($millions)5.0182%2,165
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.5009%540
Loan loss allowance to noncurrent loans183.9919%1,532
Noncurrent assets plus other real estate owned to assets2.1396%3,327
Noncurrent loans to loans1.9027%3,863
Net loans and leases to total assets70.8888%2,689
Net loans and leases to deposits91.2928%1,652
Net loans and leases to core deposits115.7989%851
Total domestic deposits to total assets77.6499%6,352
Equity capital to assets11.9354%2,133
Core capital (leverage) ratio8.9938%4,610
Tier 1 risk-based capital ratio10.9426%6,301
Total risk-based capital ratio12.2170%6,263
Memoranda:
Average total assets$178,985,0003,454
Average earning assets$162,635,3303,470
Average equity$20,655,0003,085
Average total loans$131,497,6703,170
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2326%3,865
Cost of funding earning assets2.1427%702
Net interest margin3.0899%6,619
Noninterest income to average assets0.5380%3,747
Noninterest expense to average assets2.3735%6,182
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.6642%3,592
Return on assets (ROA)0.6642%3,707
Pretax return on assets0.9742%3,191
Return on Equity (ROE)5.8534%3,942
Retained earnings to average equity (ytd only)5.8534%2,690
Net charge-offs to loans0.1296%4,189
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)10.2326%1,762
Efficiency ratio69.5106%4,408
Assets per employee ($millions)5.1342%2,049
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.2062%692
Loan loss allowance to noncurrent loans696.6942%458
Noncurrent assets plus other real estate owned to assets1.0846%4,975
Noncurrent loans to loans0.4602%6,372
Net loans and leases to total assets70.8140%2,736
Net loans and leases to deposits89.3566%2,011
Net loans and leases to core deposits112.2718%1,142
Total domestic deposits to total assets79.2488%6,019
Equity capital to assets11.4978%2,363
Core capital (leverage) ratio8.8916%4,740
Tier 1 risk-based capital ratio10.6276%6,514
Total risk-based capital ratio11.9041%6,476
Memoranda:
Average total assets$180,659,0003,490
Average earning assets$164,277,5003,490
Average equity$20,501,0003,132
Average total loans$132,734,5003,206
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4393%4,493
Cost of funding earning assets2.4578%1,127
Net interest margin2.9816%6,692
Noninterest income to average assets0.3651%5,477
Noninterest expense to average assets2.3998%6,469
Loan and lease loss provision to assets3.6298%418
Net operating income to assets-1.7036%6,961
Return on assets (ROA)-1.7481%6,995
Pretax return on assets-3.0159%7,297
Return on Equity (ROE)-14.7852%6,920
Retained earnings to average equity (ytd only)-14.7852%6,872
Net charge-offs to loans3.0227%697
Credit loss provision to net charge-offs160.1277%2,788
Earnings coverage of net charge-offs (x)0.3015%5,816
Efficiency ratio76.2996%3,478
Assets per employee ($millions)5.1892%1,957
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.1775%663
Loan loss allowance to noncurrent loans238.5434%1,255
Noncurrent assets plus other real estate owned to assets1.6903%3,830
Noncurrent loans to loans1.3320%4,698
Net loans and leases to total assets71.4374%2,901
Net loans and leases to deposits90.3461%2,167
Net loans and leases to core deposits122.7772%1,733
Total domestic deposits to total assets79.0708%5,957
Equity capital to assets11.1996%2,533
Core capital (leverage) ratio8.8413%4,701
Tier 1 risk-based capital ratio10.2176%6,666
Total risk-based capital ratio11.4875%6,616
Memoranda:
Average total assets$179,681,4003,448
Average earning assets$163,807,0003,445
Average equity$21,244,2003,045
Average total loans$134,745,0003,177
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4483%4,696
Cost of funding earning assets2.5403%1,176
Net interest margin2.9080%6,839
Noninterest income to average assets0.3326%5,830
Noninterest expense to average assets2.4606%6,215
Loan and lease loss provision to assets4.8527%185
Net operating income to assets-2.5900%7,480
Return on assets (ROA)-2.6495%7,505
Pretax return on assets-4.4196%7,745
Return on Equity (ROE)-22.1140%7,447
Retained earnings to average equity (ytd only)-22.1140%7,415
Net charge-offs to loans3.9328%366
Credit loss provision to net charge-offs163.8693%2,870
Earnings coverage of net charge-offs (x)0.1776%5,846
Efficiency ratio80.7922%2,735
Assets per employee ($millions)5.1426%1,978
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.2214%549
Loan loss allowance to noncurrent loans187.1398%1,569
Noncurrent assets plus other real estate owned to assets2.0612%3,262
Noncurrent loans to loans1.7214%4,052
Net loans and leases to total assets74.7582%2,303
Net loans and leases to deposits98.1211%1,315
Net loans and leases to core deposits135.9282%1,106
Total domestic deposits to total assets76.1897%6,551
Equity capital to assets11.4179%2,658
Core capital (leverage) ratio9.1544%4,411
Tier 1 risk-based capital ratio10.8789%6,076
Total risk-based capital ratio12.1500%6,012
Memoranda:
Average total assets$179,196,2503,478
Average earning assets$163,545,5003,482
Average equity$21,470,0003,034
Average total loans$134,930,2503,209
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3934%5,183
Cost of funding earning assets2.5767%1,354
Net interest margin2.8167%6,980
Noninterest income to average assets0.7340%2,796
Noninterest expense to average assets2.5044%6,112
Loan and lease loss provision to assets2.6682%577
Net operating income to assets-0.9887%6,972
Return on assets (ROA)-0.9887%6,972
Pretax return on assets-1.8655%7,237
Return on Equity (ROE)-8.1285%6,896
Retained earnings to average equity (ytd only)-8.1285%6,680
Net charge-offs to loans2.8439%575
Credit loss provision to net charge-offs125.6517%3,700
Earnings coverage of net charge-offs (x)0.3780%5,305
Efficiency ratio74.3221%3,988
Assets per employee ($millions)5.3780%1,693
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6988%2,360
Loan loss allowance to noncurrent loans85.0333%3,333
Noncurrent assets plus other real estate owned to assets2.5835%2,491
Noncurrent loans to loans1.9978%3,526
Net loans and leases to total assets72.8164%3,000
Net loans and leases to deposits95.7506%1,838
Net loans and leases to core deposits136.1185%1,201
Total domestic deposits to total assets76.0480%6,539
Equity capital to assets12.2503%2,054
Core capital (leverage) ratio10.5457%2,770
Tier 1 risk-based capital ratio12.4613%4,548
Total risk-based capital ratio13.6832%4,497
Memoranda:
Average total assets$180,645,3303,470
Average earning assets$165,016,3303,473
Average equity$21,972,0002,973
Average total loans$134,885,3303,249
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3861%5,495
Cost of funding earning assets2.6041%1,554
Net interest margin2.7820%7,031
Noninterest income to average assets0.7597%2,545
Noninterest expense to average assets2.6289%5,325
Loan and lease loss provision to assets4.2152%218
Net operating income to assets-1.9984%7,659
Return on assets (ROA)-1.9984%7,657
Pretax return on assets-3.5401%7,846
Return on Equity (ROE)-16.4905%7,658
Retained earnings to average equity (ytd only)-16.4905%7,513
Net charge-offs to loans2.5764%532
Credit loss provision to net charge-offs218.2238%2,073
Earnings coverage of net charge-offs (x)0.3495%4,694
Efficiency ratio78.1524%3,139
Assets per employee ($millions)5.3009%1,743
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.1199%1,195
Loan loss allowance to noncurrent loans66.4167%4,253
Noncurrent assets plus other real estate owned to assets2.9537%1,916
Noncurrent loans to loans3.1918%2,028
Net loans and leases to total assets70.5287%3,571
Net loans and leases to deposits94.7744%2,140
Net loans and leases to core deposits138.5813%1,167
Total domestic deposits to total assets74.4175%6,817
Equity capital to assets12.0135%2,252
Core capital (leverage) ratio10.8418%2,624
Tier 1 risk-based capital ratio12.8199%4,308
Total risk-based capital ratio14.0783%4,224
Memoranda:
Average total assets$179,541,5003,510
Average earning assets$164,199,5003,510
Average equity$21,758,0003,007
Average total loans$134,604,0003,280
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1977%4,528
Cost of funding earning assets3.0656%1,620
Net interest margin3.1321%6,558
Noninterest income to average assets0.3579%5,861
Noninterest expense to average assets2.5351%5,872
Loan and lease loss provision to assets0.1418%5,540
Net operating income to assets0.3724%5,261
Return on assets (ROA)0.3724%5,071
Pretax return on assets0.5293%4,910
Return on Equity (ROE)3.1735%5,167
Retained earnings to average equity (ytd only)3.1735%3,173
Net charge-offs to loans0.1354%4,868
Credit loss provision to net charge-offs127.8409%4,174
Earnings coverage of net charge-offs (x)6.0511%3,456
Efficiency ratio77.3978%3,017
Assets per employee ($millions)5.4234%1,519
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.3349%3,563
Loan loss allowance to noncurrent loans38.7781%6,131
Noncurrent assets plus other real estate owned to assets2.8966%1,605
Noncurrent loans to loans3.4423%1,486
Net loans and leases to total assets77.0447%2,363
Net loans and leases to deposits100.5943%1,770
Net loans and leases to core deposits147.2556%968
Total domestic deposits to total assets76.5895%6,099
Equity capital to assets12.2311%2,148
Core capital (leverage) ratio10.8880%2,678
Tier 1 risk-based capital ratio12.0766%4,762
Total risk-based capital ratio13.3220%4,644
Memoranda:
Average total assets$158,694,2003,741
Average earning assets$144,310,6003,752
Average equity$18,622,8003,456
Average total loans$129,944,4003,272