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Town Center Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4642%632
Cost of funding earning assets0.2729%2,677
Net interest margin4.1913%495
Noninterest income to average assets0.2247%4,030
Noninterest expense to average assets2.7807%1,407
Loan and lease loss provision to assets0.0423%2,204
Net operating income to assets1.0474%2,488
Return on assets (ROA)1.0474%2,565
Pretax return on assets1.4636%1,841
Return on Equity (ROE)10.1597%2,473
Retained earnings to average equity (ytd only)10.1597%878
Net charge-offs to loans0.0500%1,315
Credit loss provision to net charge-offs116.0714%1,672
Earnings coverage of net charge-offs (x)41.2857%1,419
Efficiency ratio64.8686%2,424
Assets per employee ($millions)7.8509%1,418
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.0729%3,469
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets70.6524%968
Net loans and leases to deposits83.9132%908
Net loans and leases to core deposits88.6920%1,037
Total domestic deposits to total assets84.1969%3,508
Equity capital to assets11.0514%1,759
Core capital (leverage) ratio10.0752%2,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1417%1,469
Memoranda:
Average total assets$153,522,2003,453
Average earning assets$148,784,0003,390
Average equity$15,827,2003,557
Average total loans$112,051,6003,046
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5034%672
Cost of funding earning assets0.2965%2,626
Net interest margin4.2068%538
Noninterest income to average assets0.2052%4,173
Noninterest expense to average assets2.7880%1,371
Loan and lease loss provision to assets0.0433%2,129
Net operating income to assets1.0417%2,763
Return on assets (ROA)1.0417%2,828
Pretax return on assets1.4479%2,158
Return on Equity (ROE)10.2832%2,632
Retained earnings to average equity (ytd only)10.2832%1,234
Net charge-offs to loans-0.0035%3,340
Credit loss provision to net charge-offs-1,666.6667%3,957
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1552%2,225
Assets per employee ($millions)7.6416%1,478
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0791%3,537
Loan loss allowance to noncurrent loans48.8076%3,966
Noncurrent assets plus other real estate owned to assets1.5913%303
Noncurrent loans to loans2.2110%376
Net loans and leases to total assets71.1952%961
Net loans and leases to deposits91.0612%544
Net loans and leases to core deposits95.7640%759
Total domestic deposits to total assets78.1839%4,404
Equity capital to assets10.6156%2,349
Core capital (leverage) ratio10.1159%2,375
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6777%1,732
Memoranda:
Average total assets$154,611,0003,478
Average earning assets$149,720,5003,418
Average equity$15,662,7503,612
Average total loans$113,431,2503,060
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1747%1,227
Cost of funding earning assets0.3193%2,592
Net interest margin3.8554%1,056
Noninterest income to average assets0.1817%4,294
Noninterest expense to average assets2.7061%1,576
Loan and lease loss provision to assets0.0451%2,111
Net operating income to assets0.8402%3,398
Return on assets (ROA)0.8402%3,470
Pretax return on assets1.1649%3,011
Return on Equity (ROE)8.4261%3,278
Retained earnings to average equity (ytd only)8.4261%1,922
Net charge-offs to loans-0.0035%3,326
Credit loss provision to net charge-offs-1,750.0000%3,797
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1017%1,745
Assets per employee ($millions)8.4512%1,025
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.0300%3,719
Loan loss allowance to noncurrent loans47.5051%3,988
Noncurrent assets plus other real estate owned to assets1.6204%325
Noncurrent loans to loans2.1681%416
Net loans and leases to total assets73.9689%758
Net loans and leases to deposits97.4217%337
Net loans and leases to core deposits102.6286%577
Total domestic deposits to total assets75.9266%4,562
Equity capital to assets10.3371%2,550
Core capital (leverage) ratio9.6231%2,788
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4211%1,496
Memoranda:
Average total assets$155,204,0003,479
Average earning assets$150,334,0003,412
Average equity$15,475,6673,634
Average total loans$114,576,3333,060
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1443%1,295
Cost of funding earning assets0.3423%2,594
Net interest margin3.8020%1,134
Noninterest income to average assets0.1939%4,224
Noninterest expense to average assets2.5289%2,088
Loan and lease loss provision to assets0.0510%2,084
Net operating income to assets0.9314%3,044
Return on assets (ROA)0.9314%3,120
Pretax return on assets1.2989%2,575
Return on Equity (ROE)9.5108%2,851
Retained earnings to average equity (ytd only)9.5108%1,796
Net charge-offs to loans-0.0035%3,263
Credit loss provision to net charge-offs-2,000.0000%3,544
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1974%2,337
Assets per employee ($millions)9.8388%625
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9676%3,972
Loan loss allowance to noncurrent loans46.0710%4,034
Noncurrent assets plus other real estate owned to assets1.5926%374
Noncurrent loans to loans2.1002%492
Net loans and leases to total assets75.0953%708
Net loans and leases to deposits100.6573%271
Net loans and leases to core deposits106.3113%499
Total domestic deposits to total assets74.6049%4,648
Equity capital to assets9.8342%2,861
Core capital (leverage) ratio9.3329%3,223
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4810%1,746
Memoranda:
Average total assets$156,745,0003,469
Average earning assets$151,920,5003,397
Average equity$15,351,0003,651
Average total loans$115,017,5003,063
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2010%2,131
Cost of funding earning assets0.6755%1,847
Net interest margin3.5255%2,392
Noninterest income to average assets0.3260%3,509
Noninterest expense to average assets2.8103%1,915
Loan and lease loss provision to assets0.1601%2,372
Net operating income to assets0.7546%3,253
Return on assets (ROA)0.7692%3,328
Pretax return on assets0.7692%3,704
Return on Equity (ROE)7.1408%3,154
Retained earnings to average equity (ytd only)7.1408%1,344
Net charge-offs to loans-0.0640%4,723
Credit loss provision to net charge-offs-333.3333%3,862
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4444%1,294
Assets per employee ($millions)8.6888%836
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.0247%3,780
Loan loss allowance to noncurrent loans54.2324%3,957
Noncurrent assets plus other real estate owned to assets1.3370%592
Noncurrent loans to loans1.8895%635
Net loans and leases to total assets70.0335%1,557
Net loans and leases to deposits102.7515%293
Net loans and leases to core deposits109.8826%514
Total domestic deposits to total assets68.1582%4,811
Equity capital to assets9.9419%3,184
Core capital (leverage) ratio9.7713%2,818
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4417%2,069
Memoranda:
Average total assets$137,423,8003,544
Average earning assets$132,491,0003,478
Average equity$14,802,2003,670
Average total loans$103,164,0003,192
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1160%2,638
Cost of funding earning assets0.7470%1,762
Net interest margin3.3690%3,002
Noninterest income to average assets0.3326%3,491
Noninterest expense to average assets2.8077%1,948
Loan and lease loss provision to assets0.1605%2,393
Net operating income to assets0.6090%3,734
Return on assets (ROA)0.6291%3,787
Pretax return on assets0.6291%4,052
Return on Equity (ROE)5.7107%3,658
Retained earnings to average equity (ytd only)5.7107%2,235
Net charge-offs to loans-0.0790%4,782
Credit loss provision to net charge-offs-266.6667%3,686
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4831%983
Assets per employee ($millions)8.6498%791
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8917%4,100
Loan loss allowance to noncurrent loans30.5691%4,303
Noncurrent assets plus other real estate owned to assets2.2460%262
Noncurrent loans to loans2.9168%326
Net loans and leases to total assets76.3155%1,052
Net loans and leases to deposits121.9477%97
Net loans and leases to core deposits133.2791%202
Total domestic deposits to total assets62.5805%4,907
Equity capital to assets9.7516%3,477
Core capital (leverage) ratio9.7136%3,013
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1333%2,140
Memoranda:
Average total assets$132,680,2503,582
Average earning assets$127,791,0003,518
Average equity$14,615,5003,688
Average total loans$101,288,7503,221
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2775%2,529
Cost of funding earning assets0.8189%1,739
Net interest margin3.4586%2,923
Noninterest income to average assets0.3040%3,643
Noninterest expense to average assets2.8782%1,886
Loan and lease loss provision to assets0.1600%2,401
Net operating income to assets0.5904%3,772
Return on assets (ROA)0.6224%3,743
Pretax return on assets0.6224%4,016
Return on Equity (ROE)5.3929%3,715
Retained earnings to average equity (ytd only)5.3929%2,311
Net charge-offs to loans0.0168%2,394
Credit loss provision to net charge-offs1,250.0000%682
Earnings coverage of net charge-offs (x)58.6250%980
Efficiency ratio79.3210%938
Assets per employee ($millions)9.4621%594
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.7833%4,380
Loan loss allowance to noncurrent loans48.5052%4,082
Noncurrent assets plus other real estate owned to assets1.2060%907
Noncurrent loans to loans1.6150%911
Net loans and leases to total assets74.0942%1,400
Net loans and leases to deposits119.0921%102
Net loans and leases to core deposits129.8411%259
Total domestic deposits to total assets62.2159%4,937
Equity capital to assets9.2791%3,852
Core capital (leverage) ratio9.7187%3,113
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8082%2,262
Memoranda:
Average total assets$125,008,0003,665
Average earning assets$120,165,0003,599
Average equity$14,426,3333,712
Average total loans$95,088,3333,315
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6556%1,830
Cost of funding earning assets1.0007%1,419
Net interest margin3.6549%2,492
Noninterest income to average assets0.3735%3,273
Noninterest expense to average assets3.4253%1,037
Loan and lease loss provision to assets0.1494%1,900
Net operating income to assets0.2914%4,364
Return on assets (ROA)0.2914%4,388
Pretax return on assets0.2914%4,468
Return on Equity (ROE)2.2008%4,406
Retained earnings to average equity (ytd only)2.2008%3,370
Net charge-offs to loans0.0630%1,383
Credit loss provision to net charge-offs307.6923%1,157
Earnings coverage of net charge-offs (x)9.0769%1,837
Efficiency ratio88.5990%555
Assets per employee ($millions)4.4720%3,302
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.0433%3,476
Loan loss allowance to noncurrent loans36.5304%4,300
Noncurrent assets plus other real estate owned to assets2.2343%336
Noncurrent loans to loans2.8560%387
Net loans and leases to total assets77.4157%1,065
Net loans and leases to deposits97.1074%809
Net loans and leases to core deposits107.8673%949
Total domestic deposits to total assets79.7218%3,905
Equity capital to assets13.1728%1,353
Core capital (leverage) ratio10.6556%2,781
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0012%3,101
Memoranda:
Average total assets$107,084,0003,883
Average earning assets$102,328,5003,846
Average equity$14,176,5003,751
Average total loans$82,569,5003,542
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7033%2,313
Cost of funding earning assets1.0951%1,348
Net interest margin3.6082%3,109
Noninterest income to average assets0.4318%3,097
Noninterest expense to average assets3.6398%816
Loan and lease loss provision to assets0.0097%3,811
Net operating income to assets2.1111%269
Return on assets (ROA)2.1792%245
Pretax return on assets0.3491%4,770
Return on Equity (ROE)18.1088%332
Retained earnings to average equity (ytd only)18.1088%49
Net charge-offs to loans0.0526%2,361
Credit loss provision to net charge-offs25.0000%3,301
Earnings coverage of net charge-offs (x)7.4750%2,873
Efficiency ratio92.6027%273
Assets per employee ($millions)4.1093%3,761
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0447%3,253
Loan loss allowance to noncurrent loans353.3333%1,322
Noncurrent assets plus other real estate owned to assets0.2246%3,550
Noncurrent loans to loans0.2957%3,367
Net loans and leases to total assets75.1837%1,553
Net loans and leases to deposits92.2652%1,332
Net loans and leases to core deposits102.8844%1,323
Total domestic deposits to total assets81.4865%3,648
Equity capital to assets13.3048%1,366
Core capital (leverage) ratio11.0084%2,497
Tier 1 risk-based capital ratio11.6923%4,529
Total risk-based capital ratio12.5904%4,593
Memoranda:
Average total assets$102,835,8003,956
Average earning assets$99,717,2003,878
Average equity$12,375,2003,950
Average total loans$76,063,4003,665
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6913%2,445
Cost of funding earning assets1.1072%1,322
Net interest margin3.5840%3,291
Noninterest income to average assets0.3443%3,667
Noninterest expense to average assets3.6044%845
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.2278%4,928
Return on assets (ROA)0.3195%4,840
Pretax return on assets0.3195%4,884
Return on Equity (ROE)2.7304%4,811
Retained earnings to average equity (ytd only)2.7304%3,999
Net charge-offs to loans0.0535%2,067
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)5.7998%2,885
Efficiency ratio94.0553%228
Assets per employee ($millions)3.9058%4,021
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0775%3,141
Loan loss allowance to noncurrent loans303.2143%1,504
Noncurrent assets plus other real estate owned to assets0.5879%2,239
Noncurrent loans to loans0.3554%3,266
Net loans and leases to total assets76.7555%1,354
Net loans and leases to deposits90.7668%1,594
Net loans and leases to core deposits102.1345%1,489
Total domestic deposits to total assets84.5634%2,600
Equity capital to assets12.0570%2,213
Core capital (leverage) ratio10.9029%2,736
Tier 1 risk-based capital ratio12.0810%4,378
Total risk-based capital ratio13.0199%4,429
Memoranda:
Average total assets$101,834,5004,015
Average earning assets$99,103,7503,926
Average equity$11,915,2504,050
Average total loans$74,785,5003,727
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6564%2,494
Cost of funding earning assets1.0774%1,388
Net interest margin3.5791%3,342
Noninterest income to average assets0.3179%3,802
Noninterest expense to average assets3.5515%900
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.2472%4,940
Return on assets (ROA)0.3473%4,825
Pretax return on assets0.3473%4,889
Return on Equity (ROE)2.9986%4,792
Retained earnings to average equity (ytd only)2.9986%3,718
Net charge-offs to loans0.0871%1,492
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)3.9375%2,782
Efficiency ratio93.4917%243
Assets per employee ($millions)4.1781%3,609
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.1510%2,784
Loan loss allowance to noncurrent loans302.5000%1,567
Noncurrent assets plus other real estate owned to assets0.5954%2,238
Noncurrent loans to loans0.3805%3,164
Net loans and leases to total assets72.5452%2,142
Net loans and leases to deposits85.0986%2,357
Net loans and leases to core deposits95.8028%2,090
Total domestic deposits to total assets85.2484%2,362
Equity capital to assets12.1248%2,100
Core capital (leverage) ratio10.7867%2,803
Tier 1 risk-based capital ratio12.7379%3,989
Total risk-based capital ratio13.7315%4,024
Memoranda:
Average total assets$101,929,0004,034
Average earning assets$99,132,0003,941
Average equity$11,805,6704,073
Average total loans$73,449,0003,774
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5625%2,657
Cost of funding earning assets0.9974%1,571
Net interest margin3.5651%3,382
Noninterest income to average assets0.2842%3,975
Noninterest expense to average assets3.4528%1,035
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.2958%4,904
Return on assets (ROA)0.2958%4,908
Pretax return on assets0.2958%4,964
Return on Equity (ROE)2.6140%4,867
Retained earnings to average equity (ytd only)2.6140%3,886
Net charge-offs to loans0.0818%1,273
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)5.0667%2,282
Efficiency ratio92.1080%322
Assets per employee ($millions)4.2343%3,570
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.1876%2,649
Loan loss allowance to noncurrent loans144.7236%2,735
Noncurrent assets plus other real estate owned to assets0.5875%2,300
Noncurrent loans to loans0.8206%2,004
Net loans and leases to total assets70.7419%2,373
Net loans and leases to deposits83.0014%2,500
Net loans and leases to core deposits90.7885%2,418
Total domestic deposits to total assets85.2297%2,589
Equity capital to assets11.6922%2,238
Core capital (leverage) ratio10.7893%2,773
Tier 1 risk-based capital ratio12.7347%4,021
Total risk-based capital ratio13.7575%4,036
Memoranda:
Average total assets$102,756,5004,058
Average earning assets$99,858,0003,972
Average equity$11,629,5004,111
Average total loans$73,378,0003,812
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6801%1,899
Cost of funding earning assets0.7878%1,593
Net interest margin3.8924%2,349
Noninterest income to average assets0.3360%3,865
Noninterest expense to average assets3.6923%782
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.4595%4,748
Return on assets (ROA)0.4595%4,748
Pretax return on assets0.4595%4,856
Return on Equity (ROE)4.6381%4,547
Retained earnings to average equity (ytd only)4.6381%2,969
Net charge-offs to loans-0.0028%4,277
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.9322%391
Assets per employee ($millions)4.8866%2,633
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.1878%2,635
Loan loss allowance to noncurrent loans350.1992%1,449
Noncurrent assets plus other real estate owned to assets0.2446%3,621
Noncurrent loans to loans0.3392%3,330
Net loans and leases to total assets71.2575%2,386
Net loans and leases to deposits81.8480%2,755
Net loans and leases to core deposits86.3664%2,884
Total domestic deposits to total assets87.0607%1,762
Equity capital to assets9.8472%3,817
Core capital (leverage) ratio10.3308%3,221
Tier 1 risk-based capital ratio12.4868%4,148
Total risk-based capital ratio13.5145%4,147
Memoranda:
Average total assets$98,799,2004,116
Average earning assets$96,856,4004,022
Average equity$9,788,4004,337
Average total loans$71,308,0003,843
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6657%1,779
Cost of funding earning assets0.7322%1,666
Net interest margin3.9335%2,183
Noninterest income to average assets0.3488%3,802
Noninterest expense to average assets3.7106%748
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.4960%4,768
Return on assets (ROA)0.4960%4,773
Pretax return on assets0.4960%4,909
Return on Equity (ROE)4.9985%4,563
Retained earnings to average equity (ytd only)4.9985%3,234
Net charge-offs to loans0.0340%2,404
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)20.2217%1,964
Efficiency ratio88.2086%397
Assets per employee ($millions)4.5247%3,085
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2009%2,617
Loan loss allowance to noncurrent loans1,753.0612%365
Noncurrent assets plus other real estate owned to assets0.0492%4,721
Noncurrent loans to loans0.0685%4,576
Net loans and leases to total assets70.9957%2,491
Net loans and leases to deposits81.5415%2,871
Net loans and leases to core deposits85.0548%3,077
Total domestic deposits to total assets87.0670%1,699
Equity capital to assets9.7384%3,882
Core capital (leverage) ratio10.6244%2,960
Tier 1 risk-based capital ratio12.8948%3,964
Total risk-based capital ratio13.9406%3,983
Memoranda:
Average total assets$97,844,5004,172
Average earning assets$95,960,5004,077
Average equity$9,709,2504,386
Average total loans$70,634,5003,896
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6689%1,580
Cost of funding earning assets0.6577%1,884
Net interest margin4.0112%1,823
Noninterest income to average assets0.2940%4,214
Noninterest expense to average assets3.6822%782
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.5489%4,630
Return on assets (ROA)0.5489%4,632
Pretax return on assets0.5489%4,817
Return on Equity (ROE)5.4970%4,411
Retained earnings to average equity (ytd only)5.4970%2,826
Net charge-offs to loans0.0540%1,833
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)14.0526%2,117
Efficiency ratio87.0262%520
Assets per employee ($millions)4.4703%3,169
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1825%2,824
Loan loss allowance to noncurrent loans1,751.0204%370
Noncurrent assets plus other real estate owned to assets0.0498%4,783
Noncurrent loans to loans0.0675%4,619
Net loans and leases to total assets72.9041%2,135
Net loans and leases to deposits83.8359%2,552
Net loans and leases to core deposits86.6872%2,851
Total domestic deposits to total assets86.9605%1,857
Equity capital to assets9.8600%3,763
Core capital (leverage) ratio10.8283%2,674
Tier 1 risk-based capital ratio12.5463%4,153
Total risk-based capital ratio13.5739%4,174
Memoranda:
Average total assets$97,278,0004,220
Average earning assets$95,483,0004,120
Average equity$9,714,3304,424
Average total loans$70,335,6703,926
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7848%1,115
Cost of funding earning assets0.6065%2,015
Net interest margin4.1782%1,223
Noninterest income to average assets0.4300%3,240
Noninterest expense to average assets3.7873%688
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7442%3,923
Return on assets (ROA)0.7442%3,925
Pretax return on assets0.7442%4,313
Return on Equity (ROE)7.4051%3,630
Retained earnings to average equity (ytd only)7.4051%2,101
Net charge-offs to loans-0.0058%4,057
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5766%830
Assets per employee ($millions)4.3200%3,452
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2484%2,528
Loan loss allowance to noncurrent loans1,791.8367%375
Noncurrent assets plus other real estate owned to assets0.0516%4,840
Noncurrent loans to loans0.0697%4,670
Net loans and leases to total assets73.0763%2,013
Net loans and leases to deposits84.5324%2,337
Net loans and leases to core deposits87.8004%2,645
Total domestic deposits to total assets86.4477%2,341
Equity capital to assets10.1800%3,413
Core capital (leverage) ratio10.6407%2,805
Tier 1 risk-based capital ratio12.7581%4,085
Total risk-based capital ratio13.8390%4,091
Memoranda:
Average total assets$96,743,5004,273
Average earning assets$94,968,0004,173
Average equity$9,723,0004,465
Average total loans$69,225,0003,982
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2064%2,669
Cost of funding earning assets0.5201%2,176
Net interest margin3.6862%2,849
Noninterest income to average assets0.3312%4,105
Noninterest expense to average assets3.7686%724
Loan and lease loss provision to assets0.0258%3,781
Net operating income to assets0.1558%5,185
Return on assets (ROA)0.1558%5,189
Pretax return on assets0.1558%5,345
Return on Equity (ROE)1.5216%5,152
Retained earnings to average equity (ytd only)1.5216%4,390
Net charge-offs to loans-0.0554%5,219
Credit loss provision to net charge-offs-71.4286%4,676
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.4035%261
Assets per employee ($millions)4.4749%3,230
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.2874%2,281
Loan loss allowance to noncurrent loans330.9434%1,547
Noncurrent assets plus other real estate owned to assets0.2692%3,811
Noncurrent loans to loans0.3890%3,367
Net loans and leases to total assets68.3041%2,776
Net loans and leases to deposits78.7391%3,034
Net loans and leases to core deposits81.1675%3,319
Total domestic deposits to total assets86.7473%2,117
Equity capital to assets9.9250%3,783
Core capital (leverage) ratio10.1322%3,265
Tier 1 risk-based capital ratio12.6598%4,111
Total risk-based capital ratio13.7565%4,105
Memoranda:
Average total assets$96,932,8004,295
Average earning assets$95,165,4004,174
Average equity$9,923,6004,463
Average total loans$63,126,4004,125
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1276%2,884
Cost of funding earning assets0.4949%2,312
Net interest margin3.6327%3,032
Noninterest income to average assets0.3383%4,115
Noninterest expense to average assets3.6027%868
Loan and lease loss provision to assets0.0345%3,428
Net operating income to assets0.2693%5,270
Return on assets (ROA)0.2693%5,285
Pretax return on assets0.2693%5,327
Return on Equity (ROE)2.6099%5,197
Retained earnings to average equity (ytd only)2.6099%4,324
Net charge-offs to loans-0.0733%5,288
Credit loss provision to net charge-offs-73.5294%4,486
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.2234%337
Assets per employee ($millions)4.8028%2,693
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2578%2,595
Loan loss allowance to noncurrent loans330.5660%1,467
Noncurrent assets plus other real estate owned to assets0.2627%4,017
Noncurrent loans to loans0.3805%3,585
Net loans and leases to total assets68.1823%2,819
Net loans and leases to deposits80.2343%2,950
Net loans and leases to core deposits82.6916%3,232
Total domestic deposits to total assets84.9790%2,720
Equity capital to assets10.0140%3,897
Core capital (leverage) ratio10.2900%3,213
Tier 1 risk-based capital ratio12.5355%4,297
Total risk-based capital ratio13.6156%4,307
Memoranda:
Average total assets$96,554,0004,339
Average earning assets$94,840,0004,223
Average equity$9,961,7504,498
Average total loans$61,877,7504,194
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9869%3,251
Cost of funding earning assets0.4518%2,583
Net interest margin3.5351%3,277
Noninterest income to average assets0.3322%4,165
Noninterest expense to average assets3.4904%1,028
Loan and lease loss provision to assets0.0526%2,930
Net operating income to assets0.2607%5,303
Return on assets (ROA)0.2607%5,323
Pretax return on assets0.2607%5,380
Return on Equity (ROE)2.5011%5,235
Retained earnings to average equity (ytd only)2.5011%4,191
Net charge-offs to loans-0.0405%5,080
Credit loss provision to net charge-offs-208.3333%4,475
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.7634%369
Assets per employee ($millions)4.8367%2,599
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3197%2,315
Loan loss allowance to noncurrent loans245.4023%1,862
Noncurrent assets plus other real estate owned to assets0.3426%3,747
Noncurrent loans to loans0.5378%3,142
Net loans and leases to total assets62.8699%3,524
Net loans and leases to deposits72.2863%3,710
Net loans and leases to core deposits74.4254%3,904
Total domestic deposits to total assets86.9735%1,968
Equity capital to assets9.9527%3,966
Core capital (leverage) ratio10.7853%2,617
Tier 1 risk-based capital ratio13.1782%3,899
Total risk-based capital ratio14.2930%3,889
Memoranda:
Average total assets$95,119,0004,392
Average earning assets$93,405,3304,281
Average equity$9,915,6704,517
Average total loans$59,289,0004,283
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9906%3,070
Cost of funding earning assets0.4345%2,664
Net interest margin3.5560%3,056
Noninterest income to average assets0.3134%4,310
Noninterest expense to average assets3.6695%808
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.1349%5,474
Return on assets (ROA)0.1349%5,484
Pretax return on assets0.1349%5,495
Return on Equity (ROE)1.2629%5,454
Retained earnings to average equity (ytd only)1.2629%4,578
Net charge-offs to loans-0.2404%5,648
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.4531%306
Assets per employee ($millions)4.2614%3,564
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5104%1,661
Loan loss allowance to noncurrent loans285.5705%1,676
Noncurrent assets plus other real estate owned to assets0.3330%3,866
Noncurrent loans to loans0.5289%3,227
Net loans and leases to total assets62.0099%3,532
Net loans and leases to deposits69.8259%3,819
Net loans and leases to core deposits71.3806%4,043
Total domestic deposits to total assets88.8064%1,252
Equity capital to assets11.0595%2,572
Core capital (leverage) ratio10.9620%2,397
Tier 1 risk-based capital ratio14.6142%3,151
Total risk-based capital ratio15.8575%3,084
Memoranda:
Average total assets$91,893,5004,505
Average earning assets$90,213,0004,392
Average equity$9,819,0004,566
Average total loans$56,578,0004,386
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7193%4,156
Cost of funding earning assets0.5405%1,785
Net interest margin3.1788%4,508
Noninterest income to average assets0.3744%4,067
Noninterest expense to average assets3.3549%1,455
Loan and lease loss provision to assets-0.5433%5,882
Net operating income to assets0.6886%3,835
Return on assets (ROA)0.6886%3,945
Pretax return on assets0.6886%4,526
Return on Equity (ROE)7.0797%3,428
Retained earnings to average equity (ytd only)7.0797%1,201
Net charge-offs to loans-0.0475%5,382
Credit loss provision to net charge-offs1,964.2857%227
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio95.8510%318
Assets per employee ($millions)4.4904%3,127
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.4381%1,926
Loan loss allowance to noncurrent loans124.1641%3,195
Noncurrent assets plus other real estate owned to assets0.6978%2,627
Noncurrent loans to loans1.1582%1,773
Net loans and leases to total assets59.3820%3,921
Net loans and leases to deposits66.3413%4,218
Net loans and leases to core deposits66.8793%4,474
Total domestic deposits to total assets89.5099%853
Equity capital to assets10.3300%3,350
Core capital (leverage) ratio10.1750%3,261
Tier 1 risk-based capital ratio14.4562%3,213
Total risk-based capital ratio15.6408%3,174
Memoranda:
Average total assets$101,226,2004,330
Average earning assets$99,533,8004,217
Average equity$9,845,0004,608
Average total loans$58,952,0004,333
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6987%4,253
Cost of funding earning assets0.5581%1,623
Net interest margin3.1406%4,672
Noninterest income to average assets0.3341%4,396
Noninterest expense to average assets3.3294%1,493
Loan and lease loss provision to assets-0.7122%5,959
Net operating income to assets0.8068%3,334
Return on assets (ROA)0.8068%3,478
Pretax return on assets0.8068%4,287
Return on Equity (ROE)8.4151%2,803
Retained earnings to average equity (ytd only)8.4151%1,013
Net charge-offs to loans-0.0560%5,403
Credit loss provision to net charge-offs2,200.0000%221
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio97.2390%280
Assets per employee ($millions)5.0703%2,291
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.4520%1,969
Loan loss allowance to noncurrent loans192.4350%2,309
Noncurrent assets plus other real estate owned to assets0.4171%3,755
Noncurrent loans to loans0.7546%2,783
Net loans and leases to total assets54.4790%4,446
Net loans and leases to deposits60.8606%4,694
Net loans and leases to core deposits61.3179%4,871
Total domestic deposits to total assets89.5144%664
Equity capital to assets10.3061%3,795
Core capital (leverage) ratio9.5231%4,145
Tier 1 risk-based capital ratio14.2971%3,398
Total risk-based capital ratio15.4731%3,372
Memoranda:
Average total assets$102,958,2504,341
Average earning assets$101,294,2504,212
Average equity$9,871,0004,643
Average total loans$59,486,7504,344
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7929%3,976
Cost of funding earning assets0.5699%1,546
Net interest margin3.2229%4,477
Noninterest income to average assets0.3440%4,320
Noninterest expense to average assets3.3341%1,525
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.1798%5,561
Return on assets (ROA)0.1798%5,615
Pretax return on assets0.1798%5,642
Return on Equity (ROE)1.9220%5,523
Retained earnings to average equity (ytd only)1.9220%4,595
Net charge-offs to loans-0.0759%5,530
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio94.8845%383
Assets per employee ($millions)5.3994%1,884
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.4171%400
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets53.5989%4,548
Net loans and leases to deposits60.7728%4,751
Net loans and leases to core deposits61.0596%4,927
Total domestic deposits to total assets88.1955%1,325
Equity capital to assets9.6688%4,593
Core capital (leverage) ratio8.9500%4,887
Tier 1 risk-based capital ratio13.4444%3,940
Total risk-based capital ratio14.7029%3,845
Memoranda:
Average total assets$103,475,6704,357
Average earning assets$101,770,3304,231
Average equity$9,677,6704,708
Average total loans$60,629,3304,321
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8787%3,666
Cost of funding earning assets0.5675%1,563
Net interest margin3.3112%4,185
Noninterest income to average assets0.2771%4,740
Noninterest expense to average assets3.2718%1,664
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.2617%5,406
Return on assets (ROA)0.2617%5,472
Pretax return on assets0.2617%5,564
Return on Equity (ROE)2.8461%5,286
Retained earnings to average equity (ytd only)2.8461%4,089
Net charge-offs to loans-0.1274%5,726
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.5926%514
Assets per employee ($millions)5.1841%2,154
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.1632%623
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets59.2813%3,877
Net loans and leases to deposits67.0068%4,154
Net loans and leases to core deposits67.7879%4,421
Total domestic deposits to total assets88.4705%1,366
Equity capital to assets9.4510%4,718
Core capital (leverage) ratio8.8184%5,060
Tier 1 risk-based capital ratio12.3552%4,692
Total risk-based capital ratio13.6116%4,580
Memoranda:
Average total assets$103,919,5004,388
Average earning assets$102,199,5004,249
Average equity$9,557,0004,749
Average total loans$62,770,0004,292
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5794%4,726
Cost of funding earning assets0.5820%1,483
Net interest margin2.9974%5,143
Noninterest income to average assets0.2877%4,833
Noninterest expense to average assets3.2372%1,867
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets-0.0244%5,881
Return on assets (ROA)0.0712%5,828
Pretax return on assets0.0712%5,821
Return on Equity (ROE)0.8000%5,802
Retained earnings to average equity (ytd only)0.8000%5,201
Net charge-offs to loans-0.1312%5,848
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio100.7585%265
Assets per employee ($millions)5.2079%2,115
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans2.1350%655
Loan loss allowance to noncurrent loans2,060.0000%318
Noncurrent assets plus other real estate owned to assets0.0624%5,402
Noncurrent loans to loans0.1036%5,083
Net loans and leases to total assets58.9283%3,981
Net loans and leases to deposits66.2486%4,295
Net loans and leases to core deposits67.0117%4,503
Total domestic deposits to total assets88.9503%1,140
Equity capital to assets8.9432%5,178
Core capital (leverage) ratio8.7378%5,179
Tier 1 risk-based capital ratio12.2115%4,822
Total risk-based capital ratio13.4676%4,716
Memoranda:
Average total assets$106,696,8004,321
Average earning assets$104,123,4004,186
Average equity$9,500,2004,749
Average total loans$60,206,8004,375
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5137%4,951
Cost of funding earning assets0.5852%1,501
Net interest margin2.9285%5,359
Noninterest income to average assets0.2919%4,856
Noninterest expense to average assets3.2099%1,945
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets-0.0646%5,978
Return on assets (ROA)0.0621%5,924
Pretax return on assets0.0621%5,922
Return on Equity (ROE)0.6984%5,900
Retained earnings to average equity (ytd only)0.6984%5,408
Net charge-offs to loans-0.3290%6,101
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.0537%259
Assets per employee ($millions)5.7889%1,520
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.3165%562
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets56.9380%4,254
Net loans and leases to deposits64.1843%4,542
Net loans and leases to core deposits65.1048%4,754
Total domestic deposits to total assets88.7103%1,172
Equity capital to assets9.2062%5,106
Core capital (leverage) ratio8.8672%5,159
Tier 1 risk-based capital ratio12.2859%4,899
Total risk-based capital ratio13.5440%4,789
Memoranda:
Average total assets$107,331,7504,360
Average earning assets$104,578,5004,226
Average equity$9,546,5004,794
Average total loans$59,579,2504,435
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4953%4,994
Cost of funding earning assets0.5825%1,544
Net interest margin2.9127%5,419
Noninterest income to average assets0.3063%4,762
Noninterest expense to average assets3.2664%1,799
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets-0.1273%6,065
Return on assets (ROA)-0.0351%6,047
Pretax return on assets-0.0351%6,040
Return on Equity (ROE)-0.3987%6,052
Retained earnings to average equity (ytd only)-0.3987%5,586
Net charge-offs to loans-0.3852%6,166
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio104.0564%250
Assets per employee ($millions)6.1861%1,222
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.2506%680
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2529%4,860
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets56.7457%4,251
Net loans and leases to deposits63.6687%4,564
Net loans and leases to core deposits64.3893%4,785
Total domestic deposits to total assets89.1265%1,078
Equity capital to assets8.8120%5,425
Core capital (leverage) ratio8.5687%5,473
Tier 1 risk-based capital ratio12.2207%4,981
Total risk-based capital ratio13.4776%4,882
Memoranda:
Average total assets$108,375,3304,372
Average earning assets$105,400,0004,233
Average equity$9,531,0004,837
Average total loans$59,193,3304,487
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4914%4,994
Cost of funding earning assets0.5781%1,593
Net interest margin2.9132%5,425
Noninterest income to average assets0.3055%4,746
Noninterest expense to average assets3.2551%1,830
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets-0.1273%6,115
Return on assets (ROA)-0.1273%6,140
Pretax return on assets-0.1273%6,130
Return on Equity (ROE)-1.4488%6,150
Retained earnings to average equity (ytd only)-1.4488%5,610
Net charge-offs to loans0.3295%734
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)-0.7292%3,157
Efficiency ratio104.0698%270
Assets per employee ($millions)6.4404%1,113
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.0729%958
Loan loss allowance to noncurrent loans368.3891%1,316
Noncurrent assets plus other real estate owned to assets0.5434%3,866
Noncurrent loans to loans0.5627%3,899
Net loans and leases to total assets52.2962%4,637
Net loans and leases to deposits58.7510%4,857
Net loans and leases to core deposits59.5453%5,026
Total domestic deposits to total assets89.0132%1,261
Equity capital to assets8.9655%5,334
Core capital (leverage) ratio8.4798%5,540
Tier 1 risk-based capital ratio13.1664%4,521
Total risk-based capital ratio14.4222%4,426
Memoranda:
Average total assets$109,981,0004,369
Average earning assets$106,548,0004,245
Average equity$9,663,0004,854
Average total loans$58,265,0004,534
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8923%4,146
Cost of funding earning assets0.6003%1,758
Net interest margin3.2920%4,607
Noninterest income to average assets0.2409%5,399
Noninterest expense to average assets3.4770%1,535
Loan and lease loss provision to assets-0.2283%6,317
Net operating income to assets0.1490%5,880
Return on assets (ROA)0.3638%5,414
Pretax return on assets0.3638%5,576
Return on Equity (ROE)4.1523%5,049
Retained earnings to average equity (ytd only)4.1523%3,240
Net charge-offs to loans0.8579%390
Credit loss provision to net charge-offs-44.4444%5,408
Earnings coverage of net charge-offs (x)-0.1544%4,728
Efficiency ratio102.3349%322
Assets per employee ($millions)6.1376%1,290
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.1701%859
Loan loss allowance to noncurrent loans308.8235%1,594
Noncurrent assets plus other real estate owned to assets0.6101%3,762
Noncurrent loans to loans0.7027%3,572
Net loans and leases to total assets51.4148%4,838
Net loans and leases to deposits58.7984%4,999
Net loans and leases to core deposits59.5986%5,166
Total domestic deposits to total assets87.4425%2,063
Equity capital to assets8.6082%5,640
Core capital (leverage) ratio8.4307%5,632
Tier 1 risk-based capital ratio13.5518%4,384
Total risk-based capital ratio14.8085%4,310
Memoranda:
Average total assets$103,365,2004,520
Average earning assets$99,118,4004,419
Average equity$9,055,2004,962
Average total loans$61,894,6004,432
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9423%4,003
Cost of funding earning assets0.5960%1,873
Net interest margin3.3463%4,443
Noninterest income to average assets0.2559%5,388
Noninterest expense to average assets3.2746%1,959
Loan and lease loss provision to assets-0.0433%6,165
Net operating income to assets0.2152%5,819
Return on assets (ROA)0.3832%5,388
Pretax return on assets0.3832%5,613
Return on Equity (ROE)4.3541%5,020
Retained earnings to average equity (ytd only)4.3541%3,558
Net charge-offs to loans0.1994%1,867
Credit loss provision to net charge-offs-35.1064%5,314
Earnings coverage of net charge-offs (x)1.3936%4,167
Efficiency ratio95.0114%545
Assets per employee ($millions)5.9279%1,383
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.8610%414
Loan loss allowance to noncurrent loans78.8382%4,225
Noncurrent assets plus other real estate owned to assets4.0224%490
Noncurrent loans to loans3.6290%642
Net loans and leases to total assets60.4575%3,711
Net loans and leases to deposits67.7128%4,167
Net loans and leases to core deposits68.6445%4,447
Total domestic deposits to total assets89.2852%1,084
Equity capital to assets8.6286%5,697
Core capital (leverage) ratio8.7208%5,413
Tier 1 risk-based capital ratio11.7819%5,623
Total risk-based capital ratio13.0462%5,531
Memoranda:
Average total assets$101,587,5004,615
Average earning assets$96,861,5004,529
Average equity$8,941,5005,024
Average total loans$62,853,0004,432
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8735%4,251
Cost of funding earning assets0.5877%2,003
Net interest margin3.2858%4,644
Noninterest income to average assets0.2223%5,616
Noninterest expense to average assets3.3179%1,875
Loan and lease loss provision to assets-0.0661%6,328
Net operating income to assets0.0941%6,054
Return on assets (ROA)0.3504%5,475
Pretax return on assets0.3504%5,675
Return on Equity (ROE)3.9535%5,166
Retained earnings to average equity (ytd only)3.9535%3,666
Net charge-offs to loans0.1946%1,863
Credit loss provision to net charge-offs-55.0000%5,181
Earnings coverage of net charge-offs (x)0.2333%4,085
Efficiency ratio99.1622%428
Assets per employee ($millions)5.5865%1,620
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.9631%395
Loan loss allowance to noncurrent loans71.2077%4,462
Noncurrent assets plus other real estate owned to assets4.1189%500
Noncurrent loans to loans4.1612%563
Net loans and leases to total assets59.6689%3,775
Net loans and leases to deposits65.4402%4,326
Net loans and leases to core deposits66.3242%4,609
Total domestic deposits to total assets91.1808%351
Equity capital to assets8.5799%5,732
Core capital (leverage) ratio8.5816%5,546
Tier 1 risk-based capital ratio11.9727%5,557
Total risk-based capital ratio13.2396%5,479
Memoranda:
Average total assets$99,882,3304,687
Average earning assets$94,953,6704,615
Average equity$8,853,0005,069
Average total loans$61,667,3304,489
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8479%4,298
Cost of funding earning assets0.5578%2,365
Net interest margin3.2901%4,586
Noninterest income to average assets0.1902%5,824
Noninterest expense to average assets3.3405%1,854
Loan and lease loss provision to assets-0.0703%6,472
Net operating income to assets0.0413%6,146
Return on assets (ROA)0.0413%6,165
Pretax return on assets0.0413%6,167
Return on Equity (ROE)0.4584%6,152
Retained earnings to average equity (ytd only)0.4584%5,397
Net charge-offs to loans0.0535%2,631
Credit loss provision to net charge-offs-212.5000%4,974
Earnings coverage of net charge-offs (x)-0.8750%3,503
Efficiency ratio100.8739%445
Assets per employee ($millions)5.3613%1,845
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans3.2590%340
Loan loss allowance to noncurrent loans72.3005%4,428
Noncurrent assets plus other real estate owned to assets4.4088%504
Noncurrent loans to loans4.5076%526
Net loans and leases to total assets58.3390%3,792
Net loans and leases to deposits64.0274%4,311
Net loans and leases to core deposits64.7374%4,618
Total domestic deposits to total assets91.1157%521
Equity capital to assets8.5908%5,559
Core capital (leverage) ratio9.2097%4,705
Tier 1 risk-based capital ratio12.2624%5,464
Total risk-based capital ratio13.5314%5,388
Memoranda:
Average total assets$96,751,5004,803
Average earning assets$91,789,5004,732
Average equity$8,726,0005,124
Average total loans$59,866,5004,592
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0581%3,892
Cost of funding earning assets0.5556%3,063
Net interest margin3.5024%3,901
Noninterest income to average assets0.3372%4,906
Noninterest expense to average assets4.5867%487
Loan and lease loss provision to assets-0.6952%6,771
Net operating income to assets-0.2663%6,397
Return on assets (ROA)-0.2401%6,401
Pretax return on assets-0.2401%6,383
Return on Equity (ROE)-2.4510%6,397
Retained earnings to average equity (ytd only)-2.4510%6,217
Net charge-offs to loans-0.1559%6,571
Credit loss provision to net charge-offs643.4343%365
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.5202%141
Assets per employee ($millions)5.0910%2,078
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans3.4766%297
Loan loss allowance to noncurrent loans73.1241%4,391
Noncurrent assets plus other real estate owned to assets5.5130%386
Noncurrent loans to loans4.7544%548
Net loans and leases to total assets61.4123%3,459
Net loans and leases to deposits68.1460%4,033
Net loans and leases to core deposits68.9940%4,391
Total domestic deposits to total assets90.1187%1,019
Equity capital to assets9.4950%4,432
Core capital (leverage) ratio9.5694%4,156
Tier 1 risk-based capital ratio13.1278%4,900
Total risk-based capital ratio14.4001%4,829
Memoranda:
Average total assets$91,634,0004,940
Average earning assets$86,026,2004,881
Average equity$8,976,0005,083
Average total loans$63,509,2004,499
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0969%3,770
Cost of funding earning assets0.5585%3,175
Net interest margin3.5384%3,721
Noninterest income to average assets0.2648%5,554
Noninterest expense to average assets4.7900%396
Loan and lease loss provision to assets-0.8410%6,865
Net operating income to assets-0.3652%6,551
Return on assets (ROA)-0.3478%6,561
Pretax return on assets-0.3478%6,541
Return on Equity (ROE)-3.5231%6,547
Retained earnings to average equity (ytd only)-3.5231%6,394
Net charge-offs to loans-0.5205%6,783
Credit loss provision to net charge-offs228.4585%1,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio133.6581%115
Assets per employee ($millions)4.7704%2,478
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.6337%297
Loan loss allowance to noncurrent loans66.7461%4,553
Noncurrent assets plus other real estate owned to assets6.0340%398
Noncurrent loans to loans5.4440%509
Net loans and leases to total assets65.5428%2,714
Net loans and leases to deposits72.9570%3,414
Net loans and leases to core deposits73.8752%3,867
Total domestic deposits to total assets89.8375%1,089
Equity capital to assets9.7267%4,274
Core capital (leverage) ratio9.7678%4,007
Tier 1 risk-based capital ratio12.6738%5,343
Total risk-based capital ratio13.9480%5,270
Memoranda:
Average total assets$91,633,0004,983
Average earning assets$85,950,0004,929
Average equity$9,044,7505,127
Average total loans$64,810,5004,493
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1118%3,692
Cost of funding earning assets0.5656%3,259
Net interest margin3.5463%3,578
Noninterest income to average assets0.2784%5,465
Noninterest expense to average assets4.3538%593
Loan and lease loss provision to assets-0.3153%6,835
Net operating income to assets-0.4328%6,615
Return on assets (ROA)-0.4067%6,626
Pretax return on assets-0.4067%6,596
Return on Equity (ROE)-4.1004%6,618
Retained earnings to average equity (ytd only)-4.1004%6,404
Net charge-offs to loans-0.5435%6,830
Credit loss provision to net charge-offs81.0056%2,605
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio120.7479%177
Assets per employee ($millions)4.6972%2,516
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans4.0337%250
Loan loss allowance to noncurrent loans53.8318%5,033
Noncurrent assets plus other real estate owned to assets8.2648%234
Noncurrent loans to loans7.4932%297
Net loans and leases to total assets69.2838%2,022
Net loans and leases to deposits77.2951%2,675
Net loans and leases to core deposits78.0355%3,284
Total domestic deposits to total assets89.6354%1,239
Equity capital to assets9.9153%4,020
Core capital (leverage) ratio9.6347%4,030
Tier 1 risk-based capital ratio12.1651%5,704
Total risk-based capital ratio13.4442%5,628
Memoranda:
Average total assets$91,965,0005,011
Average earning assets$86,287,3304,941
Average equity$9,121,0005,146
Average total loans$65,865,3304,472
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0686%3,851
Cost of funding earning assets0.5577%3,495
Net interest margin3.5109%3,652
Noninterest income to average assets0.2443%5,706
Noninterest expense to average assets4.0418%843
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets-0.5058%6,671
Return on assets (ROA)-0.5058%6,696
Pretax return on assets-0.5058%6,675
Return on Equity (ROE)-5.0988%6,699
Retained earnings to average equity (ytd only)-5.0988%6,372
Net charge-offs to loans-0.1021%6,454
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.3030%271
Assets per employee ($millions)4.9004%2,344
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.9232%304
Loan loss allowance to noncurrent loans88.6980%3,666
Noncurrent assets plus other real estate owned to assets6.0006%533
Noncurrent loans to loans4.4231%958
Net loans and leases to total assets67.9122%2,028
Net loans and leases to deposits75.7530%2,675
Net loans and leases to core deposits76.4259%3,260
Total domestic deposits to total assets89.6495%1,263
Equity capital to assets9.8994%4,276
Core capital (leverage) ratio9.6028%3,921
Tier 1 risk-based capital ratio12.3359%5,690
Total risk-based capital ratio13.6144%5,622
Memoranda:
Average total assets$93,324,5005,021
Average earning assets$87,498,5004,947
Average equity$9,257,0005,168
Average total loans$66,582,0004,469
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2227%4,499
Cost of funding earning assets0.6818%3,639
Net interest margin3.5409%4,340
Noninterest income to average assets0.3215%5,159
Noninterest expense to average assets4.0442%928
Loan and lease loss provision to assets0.0151%5,716
Net operating income to assets-0.4233%6,530
Return on assets (ROA)-0.2856%6,485
Pretax return on assets-0.2856%6,470
Return on Equity (ROE)-3.3224%6,514
Retained earnings to average equity (ytd only)-3.3224%6,290
Net charge-offs to loans-0.1610%6,908
Credit loss provision to net charge-offs-13.6752%6,223
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.2263%317
Assets per employee ($millions)5.1968%1,990
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.8084%329
Loan loss allowance to noncurrent loans87.4233%3,680
Noncurrent assets plus other real estate owned to assets6.0946%559
Noncurrent loans to loans4.3563%1,003
Net loans and leases to total assets69.2587%1,985
Net loans and leases to deposits77.3934%2,604
Net loans and leases to core deposits78.0761%3,252
Total domestic deposits to total assets89.4892%1,248
Equity capital to assets9.9389%4,255
Core capital (leverage) ratio9.3255%4,369
Tier 1 risk-based capital ratio12.1828%5,664
Total risk-based capital ratio13.4596%5,609
Memoranda:
Average total assets$106,078,0004,679
Average earning assets$99,297,4004,607
Average equity$9,119,8005,193
Average total loans$72,653,0004,247
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2111%4,779
Cost of funding earning assets0.7123%3,659
Net interest margin3.4988%4,655
Noninterest income to average assets0.3199%5,230
Noninterest expense to average assets4.0874%841
Loan and lease loss provision to assets0.0195%5,556
Net operating income to assets-0.5128%6,706
Return on assets (ROA)-0.3345%6,655
Pretax return on assets-0.3345%6,621
Return on Equity (ROE)-4.0253%6,679
Retained earnings to average equity (ytd only)-4.0253%6,557
Net charge-offs to loans-0.2145%7,005
Credit loss provision to net charge-offs-13.4454%6,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.7228%246
Assets per employee ($millions)5.0971%2,056
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.7543%375
Loan loss allowance to noncurrent loans78.5561%3,898
Noncurrent assets plus other real estate owned to assets6.5724%568
Noncurrent loans to loans4.7791%965
Net loans and leases to total assets67.9787%2,301
Net loans and leases to deposits75.5740%3,044
Net loans and leases to core deposits76.2126%3,698
Total domestic deposits to total assets89.9499%876
Equity capital to assets9.7155%4,904
Core capital (leverage) ratio8.7550%5,393
Tier 1 risk-based capital ratio12.0718%5,904
Total risk-based capital ratio13.3495%5,865
Memoranda:
Average total assets$109,212,0004,658
Average earning assets$102,203,5004,591
Average equity$9,075,5005,248
Average total loans$73,978,5004,257
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1545%5,115
Cost of funding earning assets0.7509%3,600
Net interest margin3.4036%5,070
Noninterest income to average assets0.2700%5,647
Noninterest expense to average assets4.1700%760
Loan and lease loss provision to assets0.0282%5,317
Net operating income to assets-0.7447%6,838
Return on assets (ROA)-0.4871%6,769
Pretax return on assets-0.4871%6,741
Return on Equity (ROE)-6.1577%6,805
Retained earnings to average equity (ytd only)-6.1577%6,680
Net charge-offs to loans-0.6725%7,160
Credit loss provision to net charge-offs-6.2745%5,920
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio120.7460%224
Assets per employee ($millions)6.4611%982
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.7241%417
Loan loss allowance to noncurrent loans111.3721%2,904
Noncurrent assets plus other real estate owned to assets5.0420%946
Noncurrent loans to loans3.3439%1,741
Net loans and leases to total assets63.6191%3,122
Net loans and leases to deposits69.5747%3,959
Net loans and leases to core deposits73.4630%4,102
Total domestic deposits to total assets91.4401%321
Equity capital to assets8.2057%6,443
Core capital (leverage) ratio7.9925%6,290
Tier 1 risk-based capital ratio11.0816%6,459
Total risk-based capital ratio12.3589%6,420
Memoranda:
Average total assets$113,334,3304,583
Average earning assets$106,006,0004,509
Average equity$8,964,3305,277
Average total loans$75,837,3304,230
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2268%5,004
Cost of funding earning assets0.8394%3,157
Net interest margin3.3874%5,168
Noninterest income to average assets0.4032%4,645
Noninterest expense to average assets4.5811%515
Loan and lease loss provision to assets0.0556%4,709
Net operating income to assets-1.0636%7,007
Return on assets (ROA)-0.5561%6,881
Pretax return on assets-0.5561%6,850
Return on Equity (ROE)-7.1588%6,924
Retained earnings to average equity (ytd only)-7.1588%6,722
Net charge-offs to loans0.2324%2,762
Credit loss provision to net charge-offs35.5556%3,526
Earnings coverage of net charge-offs (x)-6.4444%4,679
Efficiency ratio128.2101%172
Assets per employee ($millions)7.6321%568
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.1800%697
Loan loss allowance to noncurrent loans104.4783%2,954
Noncurrent assets plus other real estate owned to assets4.9650%1,054
Noncurrent loans to loans3.0437%2,122
Net loans and leases to total assets63.9075%2,865
Net loans and leases to deposits69.5641%3,793
Net loans and leases to core deposits73.2594%3,984
Total domestic deposits to total assets91.8685%291
Equity capital to assets7.7454%6,662
Core capital (leverage) ratio7.5532%6,598
Tier 1 risk-based capital ratio10.5678%6,715
Total risk-based capital ratio11.8391%6,696
Memoranda:
Average total assets$115,082,5004,563
Average earning assets$107,692,5004,496
Average equity$8,940,0005,301
Average total loans$77,465,5004,201
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3209%5,696
Cost of funding earning assets1.0234%3,213
Net interest margin3.2975%5,813
Noninterest income to average assets0.4412%4,294
Noninterest expense to average assets4.8178%449
Loan and lease loss provision to assets2.2105%232
Net operating income to assets-3.5161%7,228
Return on assets (ROA)-3.2749%7,215
Pretax return on assets-3.2749%7,217
Return on Equity (ROE)-38.5793%7,153
Retained earnings to average equity (ytd only)-38.5793%7,148
Net charge-offs to loans3.2281%269
Credit loss provision to net charge-offs103.4596%3,342
Earnings coverage of net charge-offs (x)-0.6111%6,116
Efficiency ratio137.1732%194
Assets per employee ($millions)6.8049%816
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.0643%768
Loan loss allowance to noncurrent loans63.5983%4,323
Noncurrent assets plus other real estate owned to assets6.0657%804
Noncurrent loans to loans4.8182%1,201
Net loans and leases to total assets66.5036%2,688
Net loans and leases to deposits76.2349%3,143
Net loans and leases to core deposits80.6901%3,357
Total domestic deposits to total assets87.2351%2,622
Equity capital to assets7.7911%6,691
Core capital (leverage) ratio7.4875%6,654
Tier 1 risk-based capital ratio9.8052%6,900
Total risk-based capital ratio11.0731%6,889
Memoranda:
Average total assets$128,522,2004,205
Average earning assets$119,698,2004,137
Average equity$10,910,0004,805
Average total loans$85,066,6003,996
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3134%5,905
Cost of funding earning assets1.0672%3,196
Net interest margin3.2462%6,029
Noninterest income to average assets0.4210%4,509
Noninterest expense to average assets4.6578%498
Loan and lease loss provision to assets2.2540%221
Net operating income to assets-3.4706%7,299
Return on assets (ROA)-3.2530%7,295
Pretax return on assets-3.2530%7,289
Return on Equity (ROE)-37.6417%7,241
Retained earnings to average equity (ytd only)-37.6417%7,235
Net charge-offs to loans3.2526%266
Credit loss provision to net charge-offs105.5450%3,144
Earnings coverage of net charge-offs (x)-0.5697%5,852
Efficiency ratio135.3529%198
Assets per employee ($millions)6.5669%918
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.9572%894
Loan loss allowance to noncurrent loans59.0188%4,504
Noncurrent assets plus other real estate owned to assets7.8161%573
Noncurrent loans to loans5.0107%1,239
Net loans and leases to total assets68.1271%2,458
Net loans and leases to deposits78.8657%2,836
Net loans and leases to core deposits83.0598%3,185
Total domestic deposits to total assets86.3837%2,994
Equity capital to assets8.7264%6,053
Core capital (leverage) ratio8.1619%6,177
Tier 1 risk-based capital ratio10.1837%6,899
Total risk-based capital ratio11.4512%6,884
Memoranda:
Average total assets$131,731,7504,159
Average earning assets$122,560,7504,104
Average equity$11,384,2504,716
Average total loans$86,491,7503,993
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2690%6,111
Cost of funding earning assets1.1279%3,044
Net interest margin3.1411%6,301
Noninterest income to average assets0.4184%4,528
Noninterest expense to average assets3.8872%1,217
Loan and lease loss provision to assets2.6732%185
Net operating income to assets-3.2149%7,330
Return on assets (ROA)-3.1855%7,332
Pretax return on assets-3.1855%7,327
Return on Equity (ROE)-36.9655%7,294
Retained earnings to average equity (ytd only)-36.9655%7,288
Net charge-offs to loans1.6723%866
Credit loss provision to net charge-offs248.4311%1,222
Earnings coverage of net charge-offs (x)-0.5034%5,527
Efficiency ratio116.1913%388
Assets per employee ($millions)7.1991%657
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.1077%387
Loan loss allowance to noncurrent loans54.7825%4,743
Noncurrent assets plus other real estate owned to assets8.3954%526
Noncurrent loans to loans7.4982%635
Net loans and leases to total assets61.7018%3,947
Net loans and leases to deposits78.2063%3,091
Net loans and leases to core deposits84.1313%3,193
Total domestic deposits to total assets78.8962%6,107
Equity capital to assets8.7311%5,901
Core capital (leverage) ratio8.1809%6,064
Tier 1 risk-based capital ratio11.2273%6,368
Total risk-based capital ratio12.5044%6,346
Memoranda:
Average total assets$136,241,0004,100
Average earning assets$126,961,0004,048
Average equity$11,740,6704,629
Average total loans$87,661,3303,994
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1432%6,410
Cost of funding earning assets1.1719%3,007
Net interest margin2.9713%6,630
Noninterest income to average assets0.5302%3,652
Noninterest expense to average assets3.6741%1,587
Loan and lease loss provision to assets4.9810%61
Net operating income to assets-5.3565%7,496
Return on assets (ROA)-5.3565%7,496
Pretax return on assets-5.3565%7,490
Return on Equity (ROE)-62.5397%7,445
Retained earnings to average equity (ytd only)-62.5397%7,436
Net charge-offs to loans2.4187%488
Credit loss provision to net charge-offs320.0737%1,017
Earnings coverage of net charge-offs (x)-0.2413%4,713
Efficiency ratio111.3814%473
Assets per employee ($millions)7.6550%544
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.9739%424
Loan loss allowance to noncurrent loans56.0902%4,642
Noncurrent assets plus other real estate owned to assets8.1276%579
Noncurrent loans to loans7.0848%769
Net loans and leases to total assets61.9406%3,871
Net loans and leases to deposits80.0578%2,716
Net loans and leases to core deposits86.0840%2,860
Total domestic deposits to total assets77.3699%6,471
Equity capital to assets8.0514%6,452
Core capital (leverage) ratio7.9239%6,333
Tier 1 risk-based capital ratio10.8675%6,595
Total risk-based capital ratio12.1446%6,554
Memoranda:
Average total assets$139,570,0004,072
Average earning assets$130,044,5004,028
Average equity$11,954,0004,559
Average total loans$89,802,0003,981
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1348%7,004
Cost of funding earning assets1.3357%3,660
Net interest margin2.7991%7,032
Noninterest income to average assets0.3430%5,340
Noninterest expense to average assets2.5847%5,478
Loan and lease loss provision to assets4.3689%127
Net operating income to assets-3.9656%7,435
Return on assets (ROA)-2.9791%7,313
Pretax return on assets-2.9791%7,289
Return on Equity (ROE)-29.9257%7,229
Retained earnings to average equity (ytd only)-29.9257%7,216
Net charge-offs to loans6.3495%84
Credit loss provision to net charge-offs111.3656%3,940
Earnings coverage of net charge-offs (x)0.1028%6,020
Efficiency ratio86.5014%1,632
Assets per employee ($millions)7.4395%608
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.5759%1,313
Loan loss allowance to noncurrent loans45.0810%5,317
Noncurrent assets plus other real estate owned to assets7.3293%727
Noncurrent loans to loans5.7140%1,120
Net loans and leases to total assets62.5306%4,163
Net loans and leases to deposits82.5183%2,709
Net loans and leases to core deposits89.6893%2,810
Total domestic deposits to total assets75.7779%6,658
Equity capital to assets9.0654%5,052
Core capital (leverage) ratio8.8773%4,735
Tier 1 risk-based capital ratio12.3016%5,205
Total risk-based capital ratio13.5640%5,163
Memoranda:
Average total assets$145,780,4003,952
Average earning assets$137,756,8003,859
Average equity$14,512,6004,031
Average total loans$90,070,0004,055
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1256%7,172
Cost of funding earning assets1.3398%3,976
Net interest margin2.7858%7,146
Noninterest income to average assets0.2986%5,752
Noninterest expense to average assets2.4063%6,015
Loan and lease loss provision to assets5.5388%66
Net operating income to assets-5.0041%7,644
Return on assets (ROA)-3.6989%7,553
Pretax return on assets-3.6989%7,529
Return on Equity (ROE)-36.3735%7,462
Retained earnings to average equity (ytd only)-36.3735%7,459
Net charge-offs to loans8.4367%38
Credit loss provision to net charge-offs107.2596%3,979
Earnings coverage of net charge-offs (x)0.1035%5,919
Efficiency ratio81.8210%2,080
Assets per employee ($millions)7.8331%541
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.4210%1,446
Loan loss allowance to noncurrent loans49.6454%4,980
Noncurrent assets plus other real estate owned to assets6.3032%914
Noncurrent loans to loans4.8766%1,442
Net loans and leases to total assets56.8706%5,432
Net loans and leases to deposits76.5765%4,076
Net loans and leases to core deposits83.8792%3,959
Total domestic deposits to total assets74.2664%6,889
Equity capital to assets9.0130%5,560
Core capital (leverage) ratio9.0600%4,589
Tier 1 risk-based capital ratio12.8167%4,719
Total risk-based capital ratio14.0760%4,696
Memoranda:
Average total assets$146,888,0003,984
Average earning assets$139,322,7503,884
Average equity$14,937,2504,001
Average total loans$89,906,5004,121
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2792%7,081
Cost of funding earning assets1.3483%4,199
Net interest margin2.9310%6,967
Noninterest income to average assets0.2503%6,122
Noninterest expense to average assets2.4439%5,931
Loan and lease loss provision to assets6.7355%54
Net operating income to assets-6.1255%7,743
Return on assets (ROA)-6.0106%7,740
Pretax return on assets-6.0106%7,729
Return on Equity (ROE)-56.9116%7,644
Retained earnings to average equity (ytd only)-56.9116%7,639
Net charge-offs to loans10.3516%30
Credit loss provision to net charge-offs104.6092%3,901
Earnings coverage of net charge-offs (x)0.0947%5,629
Efficiency ratio80.0269%2,440
Assets per employee ($millions)7.4086%645
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.1209%1,924
Loan loss allowance to noncurrent loans19.2713%6,985
Noncurrent assets plus other real estate owned to assets8.4617%555
Noncurrent loans to loans11.0057%363
Net loans and leases to total assets62.4227%4,598
Net loans and leases to deposits85.2822%2,646
Net loans and leases to core deposits92.5862%2,903
Total domestic deposits to total assets73.1954%7,072
Equity capital to assets10.0758%3,916
Core capital (leverage) ratio8.9349%4,702
Tier 1 risk-based capital ratio12.3469%4,997
Total risk-based capital ratio13.6032%4,970
Memoranda:
Average total assets$146,241,0004,026
Average earning assets$139,884,3303,909
Average equity$15,445,0003,900
Average total loans$90,962,0004,125
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2922%7,144
Cost of funding earning assets1.3617%4,411
Net interest margin2.9304%6,968
Noninterest income to average assets0.2390%6,243
Noninterest expense to average assets2.2768%6,456
Loan and lease loss provision to assets13.0111%14
Net operating income to assets-12.2352%7,914
Return on assets (ROA)-12.1815%7,914
Pretax return on assets-12.1815%7,912
Return on Equity (ROE)-112.8888%7,843
Retained earnings to average equity (ytd only)-112.8888%7,840
Net charge-offs to loans20.4506%10
Credit loss provision to net charge-offs103.5249%3,302
Earnings coverage of net charge-offs (x)0.0617%4,984
Efficiency ratio74.5822%3,472
Assets per employee ($millions)7.8513%545
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.0376%2,085
Loan loss allowance to noncurrent loans29.2714%6,443
Noncurrent assets plus other real estate owned to assets5.5204%1,118
Noncurrent loans to loans6.9611%861
Net loans and leases to total assets59.6880%5,172
Net loans and leases to deposits79.6862%3,712
Net loans and leases to core deposits91.8496%3,126
Total domestic deposits to total assets74.9038%6,918
Equity capital to assets9.3468%4,766
Core capital (leverage) ratio8.5581%5,281
Tier 1 risk-based capital ratio11.9574%5,242
Total risk-based capital ratio13.2136%5,193
Memoranda:
Average total assets$148,980,0004,030
Average earning assets$143,051,5003,887
Average equity$16,076,0003,818
Average total loans$91,557,0004,171
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6609%7,197
Cost of funding earning assets1.6958%4,534
Net interest margin2.9650%6,726
Noninterest income to average assets0.3344%5,701
Noninterest expense to average assets2.5444%5,972
Loan and lease loss provision to assets1.6007%1,429
Net operating income to assets-0.9385%6,534
Return on assets (ROA)-0.7912%6,426
Pretax return on assets-0.7912%6,258
Return on Equity (ROE)-5.9180%6,295
Retained earnings to average equity (ytd only)-5.9180%6,138
Net charge-offs to loans3.0845%671
Credit loss provision to net charge-offs78.5043%6,325
Earnings coverage of net charge-offs (x)0.3248%5,788
Efficiency ratio79.3476%2,981
Assets per employee ($millions)7.8308%553
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.8293%2,452
Loan loss allowance to noncurrent loans20.3695%7,042
Noncurrent assets plus other real estate owned to assets5.6827%1,020
Noncurrent loans to loans8.9804%507
Net loans and leases to total assets60.8498%5,212
Net loans and leases to deposits84.5293%3,174
Net loans and leases to core deposits109.7047%2,926
Total domestic deposits to total assets71.9866%7,244
Equity capital to assets12.2384%1,888
Core capital (leverage) ratio11.7347%1,795
Tier 1 risk-based capital ratio16.2320%2,422
Total risk-based capital ratio17.4856%2,363
Memoranda:
Average total assets$135,750,6004,220
Average earning assets$131,499,6004,054
Average equity$18,148,0003,485
Average total loans$89,739,2004,218
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7353%7,228
Cost of funding earning assets1.7179%4,813
Net interest margin3.0174%6,557
Noninterest income to average assets0.3210%5,910
Noninterest expense to average assets2.6346%5,578
Loan and lease loss provision to assets1.9845%917
Net operating income to assets-1.3726%7,051
Return on assets (ROA)-1.3364%7,027
Pretax return on assets-1.3364%6,878
Return on Equity (ROE)-9.7648%6,882
Retained earnings to average equity (ytd only)-9.7648%6,786
Net charge-offs to loans4.1023%336
Credit loss provision to net charge-offs71.9183%5,945
Earnings coverage of net charge-offs (x)0.2217%5,798
Efficiency ratio81.1531%2,694
Assets per employee ($millions)7.5418%620
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.6812%2,691
Loan loss allowance to noncurrent loans19.8165%7,102
Noncurrent assets plus other real estate owned to assets5.4447%1,057
Noncurrent loans to loans8.4839%547
Net loans and leases to total assets61.7074%5,288
Net loans and leases to deposits86.1260%3,292
Net loans and leases to core deposits122.0031%2,072
Total domestic deposits to total assets71.6478%7,255
Equity capital to assets12.5700%1,905
Core capital (leverage) ratio12.2414%1,689
Tier 1 risk-based capital ratio16.5178%2,420
Total risk-based capital ratio17.7701%2,372
Memoranda:
Average total assets$132,491,7504,309
Average earning assets$128,450,2504,138
Average equity$18,132,7503,510
Average total loans$89,118,2504,274
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7510%7,313
Cost of funding earning assets1.7358%5,084
Net interest margin3.0152%6,506
Noninterest income to average assets0.3771%5,489
Noninterest expense to average assets2.7651%5,114
Loan and lease loss provision to assets1.9769%820
Net operating income to assets-1.4431%7,217
Return on assets (ROA)-1.4431%7,223
Pretax return on assets-1.4431%7,063
Return on Equity (ROE)-10.2350%7,054
Retained earnings to average equity (ytd only)-10.2350%6,896
Net charge-offs to loans3.2213%494
Credit loss provision to net charge-offs89.0287%4,954
Earnings coverage of net charge-offs (x)0.2404%5,432
Efficiency ratio83.8194%2,498
Assets per employee ($millions)7.0973%742
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.3448%1,052
Loan loss allowance to noncurrent loans50.9837%4,960
Noncurrent assets plus other real estate owned to assets3.0909%2,034
Noncurrent loans to loans4.5991%1,389
Net loans and leases to total assets65.6309%4,638
Net loans and leases to deposits95.2597%1,911
Net loans and leases to core deposits134.9280%1,268
Total domestic deposits to total assets68.8968%7,562
Equity capital to assets13.3706%1,537
Core capital (leverage) ratio13.2906%1,333
Tier 1 risk-based capital ratio17.0337%2,293
Total risk-based capital ratio18.2934%2,237
Memoranda:
Average total assets$128,891,0004,418
Average earning assets$124,900,6704,245
Average equity$18,173,0003,528
Average total loans$88,846,0004,308
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6864%7,524
Cost of funding earning assets1.7262%5,485
Net interest margin2.9602%6,585
Noninterest income to average assets0.3209%5,882
Noninterest expense to average assets2.7638%4,727
Loan and lease loss provision to assets3.8916%246
Net operating income to assets-3.4691%7,918
Return on assets (ROA)-3.4691%7,912
Pretax return on assets-3.4691%7,832
Return on Equity (ROE)-23.9415%7,826
Retained earnings to average equity (ytd only)-23.9415%7,743
Net charge-offs to loans6.3987%139
Credit loss provision to net charge-offs87.0647%4,063
Earnings coverage of net charge-offs (x)0.0945%4,908
Efficiency ratio86.7398%1,990
Assets per employee ($millions)6.7626%855
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.4161%834
Loan loss allowance to noncurrent loans38.7638%5,964
Noncurrent assets plus other real estate owned to assets4.2183%1,189
Noncurrent loans to loans6.2328%741
Net loans and leases to total assets66.0438%4,574
Net loans and leases to deposits92.7613%2,473
Net loans and leases to core deposits139.5478%1,121
Total domestic deposits to total assets71.1975%7,309
Equity capital to assets13.8922%1,396
Core capital (leverage) ratio13.9020%1,210
Tier 1 risk-based capital ratio17.3235%2,238
Total risk-based capital ratio18.5838%2,183
Memoranda:
Average total assets$125,912,5004,496
Average earning assets$121,885,5004,335
Average equity$18,244,5003,528
Average total loans$87,955,5004,361
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5689%7,155
Cost of funding earning assets2.3983%4,723
Net interest margin3.1706%6,462
Noninterest income to average assets0.2502%6,659
Noninterest expense to average assets2.9375%4,313
Loan and lease loss provision to assets1.3984%991
Net operating income to assets-1.0304%7,263
Return on assets (ROA)-0.9963%7,169
Pretax return on assets-0.9963%6,998
Return on Equity (ROE)-5.6565%6,928
Retained earnings to average equity (ytd only)-5.6565%6,612
Net charge-offs to loans0.0336%6,348
Credit loss provision to net charge-offs5,846.1538%90
Earnings coverage of net charge-offs (x)15.3846%1,935
Efficiency ratio88.8672%1,597
Assets per employee ($millions)6.4914%893
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.5655%639
Loan loss allowance to noncurrent loans42.0103%5,923
Noncurrent assets plus other real estate owned to assets4.4042%869
Noncurrent loans to loans6.1067%574
Net loans and leases to total assets70.2706%3,956
Net loans and leases to deposits114.7341%586
Net loans and leases to core deposits140.2071%1,256
Total domestic deposits to total assets61.2465%7,918
Equity capital to assets15.1124%1,134
Core capital (leverage) ratio15.1155%1,003
Tier 1 risk-based capital ratio18.5528%1,905
Total risk-based capital ratio19.8258%1,850
Memoranda:
Average total assets$108,699,2004,815
Average earning assets$104,743,0004,656
Average equity$19,146,0003,372
Average total loans$77,391,0004,604