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Town & Country Bank Midwest, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5152%2,617
Cost of funding earning assets0.1540%3,928
Net interest margin3.3612%2,137
Noninterest income to average assets0.9163%1,162
Noninterest expense to average assets2.2879%2,831
Loan and lease loss provision to assets0.0280%2,498
Net operating income to assets1.6932%641
Return on assets (ROA)1.6932%666
Pretax return on assets1.6937%1,166
Return on Equity (ROE)15.0536%941
Retained earnings to average equity (ytd only)-2.1422%4,631
Net charge-offs to loans0.0258%1,730
Credit loss provision to net charge-offs181.8182%1,359
Earnings coverage of net charge-offs (x)111.9394%824
Efficiency ratio56.2594%3,674
Assets per employee ($millions)5.3720%3,390
Cash dividends to net income (ytd only)*114.2307%132
Condition Ratios (%)
Loss allowance to loans1.5582%1,368
Loan loss allowance to noncurrent loans584.9231%1,275
Noncurrent assets plus other real estate owned to assets0.1476%2,911
Noncurrent loans to loans0.2664%2,650
Net loans and leases to total assets54.5294%2,786
Net loans and leases to deposits62.8060%2,793
Net loans and leases to core deposits64.6346%2,932
Total domestic deposits to total assets86.8219%2,579
Equity capital to assets10.8249%1,921
Core capital (leverage) ratio10.4991%1,919
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$214,561,4002,951
Average earning assets$197,458,6002,973
Average equity$24,133,8002,907
Average total loans$127,880,8002,880
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5806%2,607
Cost of funding earning assets0.1644%3,978
Net interest margin3.4163%2,107
Noninterest income to average assets0.9171%1,225
Noninterest expense to average assets2.1444%3,236
Loan and lease loss provision to assets0.0282%2,436
Net operating income to assets1.8585%599
Return on assets (ROA)1.8585%623
Pretax return on assets1.8648%1,010
Return on Equity (ROE)16.3642%875
Retained earnings to average equity (ytd only)-1.5367%4,687
Net charge-offs to loans0.0124%1,872
Credit loss provision to net charge-offs375.0000%894
Earnings coverage of net charge-offs (x)252.1667%482
Efficiency ratio52.3086%4,002
Assets per employee ($millions)5.2223%3,477
Cash dividends to net income (ytd only)*109.3908%134
Condition Ratios (%)
Loss allowance to loans1.6039%1,330
Loan loss allowance to noncurrent loans375.3937%1,681
Noncurrent assets plus other real estate owned to assets0.2316%2,617
Noncurrent loans to loans0.4273%2,278
Net loans and leases to total assets53.3376%3,045
Net loans and leases to deposits61.6869%3,070
Net loans and leases to core deposits63.5984%3,176
Total domestic deposits to total assets86.4650%2,575
Equity capital to assets11.0707%1,962
Core capital (leverage) ratio11.1008%1,610
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$213,138,7502,992
Average earning assets$194,672,5003,034
Average equity$24,206,7502,927
Average total loans$129,350,2502,901
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5410%2,797
Cost of funding earning assets0.1762%3,983
Net interest margin3.3648%2,259
Noninterest income to average assets1.0091%1,058
Noninterest expense to average assets2.1310%3,300
Loan and lease loss provision to assets0.0284%2,414
Net operating income to assets1.9226%562
Return on assets (ROA)1.9226%588
Pretax return on assets1.9254%962
Return on Equity (ROE)16.7813%816
Retained earnings to average equity (ytd only)-3.8955%4,753
Net charge-offs to loans0.0075%1,858
Credit loss provision to net charge-offs600.0000%623
Earnings coverage of net charge-offs (x)412.4000%306
Efficiency ratio51.3338%4,111
Assets per employee ($millions)5.7121%2,881
Cash dividends to net income (ytd only)*123.2134%160
Condition Ratios (%)
Loss allowance to loans1.4484%1,773
Loan loss allowance to noncurrent loans410.1512%1,487
Noncurrent assets plus other real estate owned to assets0.2078%2,901
Noncurrent loans to loans0.3531%2,637
Net loans and leases to total assets58.0024%2,671
Net loans and leases to deposits66.9135%2,734
Net loans and leases to core deposits69.1299%2,854
Total domestic deposits to total assets86.6827%2,482
Equity capital to assets10.8053%2,146
Core capital (leverage) ratio10.7200%1,784
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$211,073,3333,006
Average earning assets$192,941,0003,042
Average equity$24,181,6672,928
Average total loans$132,835,3332,864
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5750%2,719
Cost of funding earning assets0.1992%3,917
Net interest margin3.3758%2,172
Noninterest income to average assets1.0895%996
Noninterest expense to average assets2.0992%3,431
Loan and lease loss provision to assets0.0292%2,401
Net operating income to assets2.0719%519
Return on assets (ROA)2.0719%555
Pretax return on assets2.0660%849
Return on Equity (ROE)17.5434%774
Retained earnings to average equity (ytd only)-11.3380%4,835
Net charge-offs to loans0.0150%1,447
Credit loss provision to net charge-offs300.0000%753
Earnings coverage of net charge-offs (x)215.0000%380
Efficiency ratio49.2565%4,248
Assets per employee ($millions)5.4640%3,149
Cash dividends to net income (ytd only)*164.6284%179
Condition Ratios (%)
Loss allowance to loans1.3989%1,961
Loan loss allowance to noncurrent loans555.7522%1,084
Noncurrent assets plus other real estate owned to assets0.1591%3,367
Noncurrent loans to loans0.2517%3,199
Net loans and leases to total assets62.3162%2,254
Net loans and leases to deposits71.9088%2,321
Net loans and leases to core deposits74.3998%2,478
Total domestic deposits to total assets86.6601%2,461
Equity capital to assets11.1827%1,736
Core capital (leverage) ratio11.4065%1,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$205,225,0003,042
Average earning assets$188,757,0003,064
Average equity$24,237,0002,912
Average total loans$133,697,5002,853
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5776%1,137
Cost of funding earning assets0.4381%3,359
Net interest margin4.1395%728
Noninterest income to average assets2.2345%291
Noninterest expense to average assets2.4555%2,977
Loan and lease loss provision to assets0.2410%1,618
Net operating income to assets3.3100%75
Return on assets (ROA)3.3100%78
Pretax return on assets3.3294%98
Return on Equity (ROE)26.6510%90
Retained earnings to average equity (ytd only)13.9962%194
Net charge-offs to loans0.0082%3,036
Credit loss provision to net charge-offs4,181.8182%250
Earnings coverage of net charge-offs (x)619.5455%191
Efficiency ratio40.0713%4,868
Assets per employee ($millions)5.0603%3,329
Cash dividends to net income (ytd only)*47.4834%1,974
Condition Ratios (%)
Loss allowance to loans1.4120%1,928
Loan loss allowance to noncurrent loans363.1783%1,487
Noncurrent assets plus other real estate owned to assets0.2615%2,994
Noncurrent loans to loans0.3888%2,815
Net loans and leases to total assets66.2990%2,048
Net loans and leases to deposits77.6203%2,108
Net loans and leases to core deposits80.4228%2,325
Total domestic deposits to total assets85.4145%2,608
Equity capital to assets12.4873%1,332
Core capital (leverage) ratio12.3259%1,106
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$190,874,0003,021
Average earning assets$174,828,6003,034
Average equity$23,706,4002,890
Average total loans$133,588,6002,821
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8174%861
Cost of funding earning assets0.5042%3,196
Net interest margin4.3132%573
Noninterest income to average assets2.5538%232
Noninterest expense to average assets2.2417%3,569
Loan and lease loss provision to assets0.3133%1,275
Net operating income to assets3.9213%54
Return on assets (ROA)3.9213%55
Pretax return on assets3.9339%70
Return on Equity (ROE)31.6170%50
Retained earnings to average equity (ytd only)18.8362%97
Net charge-offs to loans-0.0060%4,094
Credit loss provision to net charge-offs-7,416.6667%4,297
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.8834%4,972
Assets per employee ($millions)4.5570%3,775
Cash dividends to net income (ytd only)*40.4240%1,926
Condition Ratios (%)
Loss allowance to loans1.3221%2,072
Loan loss allowance to noncurrent loans148.4177%2,720
Noncurrent assets plus other real estate owned to assets0.6604%1,752
Noncurrent loans to loans0.8908%1,679
Net loans and leases to total assets73.1577%1,479
Net loans and leases to deposits86.1072%1,693
Net loans and leases to core deposits89.6454%2,007
Total domestic deposits to total assets84.9612%2,452
Equity capital to assets12.8840%1,236
Core capital (leverage) ratio12.1090%1,288
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$189,254,2503,021
Average earning assets$172,676,5003,034
Average equity$23,472,0002,904
Average total loans$133,806,5002,828
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1363%642
Cost of funding earning assets0.5794%3,088
Net interest margin4.5569%443
Noninterest income to average assets3.2926%146
Noninterest expense to average assets2.2329%3,698
Loan and lease loss provision to assets0.0849%3,220
Net operating income to assets5.0907%35
Return on assets (ROA)5.0907%34
Pretax return on assets5.1044%42
Return on Equity (ROE)41.5924%28
Retained earnings to average equity (ytd only)28.5921%32
Net charge-offs to loans-0.0290%4,527
Credit loss provision to net charge-offs-421.0526%3,589
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio29.4555%5,019
Assets per employee ($millions)4.6320%3,617
Cash dividends to net income (ytd only)*31.2565%2,310
Condition Ratios (%)
Loss allowance to loans1.0773%3,196
Loan loss allowance to noncurrent loans76.9697%3,585
Noncurrent assets plus other real estate owned to assets1.0692%1,081
Noncurrent loans to loans1.3997%1,106
Net loans and leases to total assets71.9311%1,720
Net loans and leases to deposits84.4913%1,939
Net loans and leases to core deposits97.3549%1,469
Total domestic deposits to total assets85.1344%2,337
Equity capital to assets12.6661%1,303
Core capital (leverage) ratio12.6719%1,118
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$188,541,6673,003
Average earning assets$170,863,0003,037
Average equity$23,076,3332,926
Average total loans$131,114,6672,855
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7547%1,546
Cost of funding earning assets0.6243%3,310
Net interest margin4.1304%1,073
Noninterest income to average assets5.2948%93
Noninterest expense to average assets2.2744%3,828
Loan and lease loss provision to assets0.0323%3,368
Net operating income to assets6.6530%25
Return on assets (ROA)6.6530%25
Pretax return on assets6.6681%28
Return on Equity (ROE)55.3692%11
Retained earnings to average equity (ytd only)41.9126%9
Net charge-offs to loans-0.0349%4,524
Credit loss provision to net charge-offs-136.3636%3,215
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio24.8138%5,079
Assets per employee ($millions)4.1630%3,703
Cash dividends to net income (ytd only)*24.3033%2,263
Condition Ratios (%)
Loss allowance to loans1.1593%2,883
Loan loss allowance to noncurrent loans51.6370%4,061
Noncurrent assets plus other real estate owned to assets1.6256%623
Noncurrent loans to loans2.2451%580
Net loans and leases to total assets69.1085%2,383
Net loans and leases to deposits79.6458%2,718
Net loans and leases to core deposits92.8279%2,083
Total domestic deposits to total assets86.7698%1,660
Equity capital to assets13.0632%1,399
Core capital (leverage) ratio12.4424%1,477
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6894%1,031
Memoranda:
Average total assets$185,541,0003,003
Average earning assets$165,310,0003,060
Average equity$22,294,0002,974
Average total loans$125,941,5002,891
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9581%1,593
Cost of funding earning assets0.6211%3,552
Net interest margin4.3369%1,014
Noninterest income to average assets0.9763%1,025
Noninterest expense to average assets2.6103%3,150
Loan and lease loss provision to assets0.0324%3,365
Net operating income to assets2.1940%224
Return on assets (ROA)2.1940%237
Pretax return on assets2.2059%382
Return on Equity (ROE)19.6129%234
Retained earnings to average equity (ytd only)4.6486%2,618
Net charge-offs to loans0.0334%2,722
Credit loss provision to net charge-offs142.8571%1,797
Earnings coverage of net charge-offs (x)98.6905%687
Efficiency ratio52.8678%4,534
Assets per employee ($millions)4.0867%3,796
Cash dividends to net income (ytd only)*76.2983%911
Condition Ratios (%)
Loss allowance to loans1.1245%2,811
Loan loss allowance to noncurrent loans89.9621%3,441
Noncurrent assets plus other real estate owned to assets0.8767%1,455
Noncurrent loans to loans1.2500%1,202
Net loans and leases to total assets65.2339%3,043
Net loans and leases to deposits73.4972%3,393
Net loans and leases to core deposits84.3587%2,916
Total domestic deposits to total assets88.7570%764
Equity capital to assets11.0394%2,955
Core capital (leverage) ratio10.6637%2,794
Tier 1 risk-based capital ratio14.6366%2,939
Total risk-based capital ratio15.6444%2,981
Memoranda:
Average total assets$185,186,2002,961
Average earning assets$165,347,2003,035
Average equity$20,716,0003,065
Average total loans$125,929,2002,868
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9765%1,605
Cost of funding earning assets0.6201%3,583
Net interest margin4.3563%1,042
Noninterest income to average assets0.9760%984
Noninterest expense to average assets2.4128%3,644
Loan and lease loss provision to assets0.0327%3,253
Net operating income to assets2.4164%186
Return on assets (ROA)2.4164%194
Pretax return on assets2.4258%290
Return on Equity (ROE)21.5268%179
Retained earnings to average equity (ytd only)6.3124%2,218
Net charge-offs to loans0.0329%2,412
Credit loss provision to net charge-offs145.1613%1,673
Earnings coverage of net charge-offs (x)109.1350%703
Efficiency ratio48.5454%4,820
Assets per employee ($millions)4.1839%3,642
Cash dividends to net income (ytd only)*70.6768%931
Condition Ratios (%)
Loss allowance to loans1.1151%2,951
Loan loss allowance to noncurrent loans211.7735%2,014
Noncurrent assets plus other real estate owned to assets0.3564%3,078
Noncurrent loans to loans0.5266%2,710
Net loans and leases to total assets66.9262%2,934
Net loans and leases to deposits75.5903%3,334
Net loans and leases to core deposits86.8097%2,838
Total domestic deposits to total assets88.5381%807
Equity capital to assets11.2611%2,870
Core capital (leverage) ratio11.0033%2,635
Tier 1 risk-based capital ratio15.1827%2,765
Total risk-based capital ratio16.2257%2,791
Memoranda:
Average total assets$183,464,0003,007
Average earning assets$164,047,7503,080
Average equity$20,594,0003,099
Average total loans$125,730,7502,900
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9385%1,640
Cost of funding earning assets0.6083%3,607
Net interest margin4.3302%1,081
Noninterest income to average assets0.9733%921
Noninterest expense to average assets2.3963%3,740
Loan and lease loss provision to assets0.0330%3,169
Net operating income to assets2.4172%171
Return on assets (ROA)2.4172%177
Pretax return on assets2.4271%273
Return on Equity (ROE)21.5582%182
Retained earnings to average equity (ytd only)5.8652%2,342
Net charge-offs to loans0.0224%2,400
Credit loss provision to net charge-offs214.2857%1,145
Earnings coverage of net charge-offs (x)159.7857%469
Efficiency ratio48.3469%4,880
Assets per employee ($millions)4.1520%3,641
Cash dividends to net income (ytd only)*72.7934%1,010
Condition Ratios (%)
Loss allowance to loans1.1171%2,985
Loan loss allowance to noncurrent loans285.7430%1,641
Noncurrent assets plus other real estate owned to assets0.2665%3,496
Noncurrent loans to loans0.3909%3,123
Net loans and leases to total assets67.4195%2,902
Net loans and leases to deposits76.0109%3,333
Net loans and leases to core deposits87.2649%2,869
Total domestic deposits to total assets88.6972%789
Equity capital to assets11.1433%2,912
Core capital (leverage) ratio10.8832%2,707
Tier 1 risk-based capital ratio14.5315%3,054
Total risk-based capital ratio15.5507%3,084
Memoranda:
Average total assets$181,860,0003,032
Average earning assets$163,087,3303,102
Average equity$20,391,3303,114
Average total loans$125,165,3302,924
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7956%1,915
Cost of funding earning assets0.5011%4,056
Net interest margin4.2945%1,104
Noninterest income to average assets0.8920%1,057
Noninterest expense to average assets2.2635%4,113
Loan and lease loss provision to assets0.0335%2,962
Net operating income to assets2.4441%179
Return on assets (ROA)2.4441%188
Pretax return on assets2.4553%270
Return on Equity (ROE)21.7277%183
Retained earnings to average equity (ytd only)4.8768%2,960
Net charge-offs to loans0.0387%1,720
Credit loss provision to net charge-offs125.0000%1,383
Earnings coverage of net charge-offs (x)93.0000%699
Efficiency ratio46.6448%4,997
Assets per employee ($millions)3.9945%3,935
Cash dividends to net income (ytd only)*77.5547%974
Condition Ratios (%)
Loss allowance to loans1.1357%2,935
Loan loss allowance to noncurrent loans89.4103%3,542
Noncurrent assets plus other real estate owned to assets0.8225%1,726
Noncurrent loans to loans1.2702%1,296
Net loans and leases to total assets64.0160%3,283
Net loans and leases to deposits71.7627%3,619
Net loans and leases to core deposits82.2878%3,164
Total domestic deposits to total assets89.2051%763
Equity capital to assets10.6129%3,244
Core capital (leverage) ratio10.7779%2,781
Tier 1 risk-based capital ratio14.5420%3,086
Total risk-based capital ratio15.5716%3,115
Memoranda:
Average total assets$179,370,5003,095
Average earning assets$161,231,0003,155
Average equity$20,177,0003,144
Average total loans$124,053,5002,976
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7886%1,571
Cost of funding earning assets0.2616%4,749
Net interest margin4.5270%727
Noninterest income to average assets0.9435%1,075
Noninterest expense to average assets2.7174%2,967
Loan and lease loss provision to assets0.0352%3,497
Net operating income to assets2.2491%235
Return on assets (ROA)2.2491%226
Pretax return on assets2.2579%316
Return on Equity (ROE)19.5276%280
Retained earnings to average equity (ytd only)3.7549%3,506
Net charge-offs to loans-0.0105%4,506
Credit loss provision to net charge-offs-461.5385%4,617
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2164%4,695
Assets per employee ($millions)3.3401%4,710
Cash dividends to net income (ytd only)*80.7712%685
Condition Ratios (%)
Loss allowance to loans1.1351%2,903
Loan loss allowance to noncurrent loans303.8877%1,625
Noncurrent assets plus other real estate owned to assets0.2772%3,474
Noncurrent loans to loans0.3735%3,199
Net loans and leases to total assets73.3801%2,031
Net loans and leases to deposits83.4903%2,565
Net loans and leases to core deposits87.0375%2,835
Total domestic deposits to total assets87.8906%1,349
Equity capital to assets11.9788%1,913
Core capital (leverage) ratio11.5708%2,046
Tier 1 risk-based capital ratio15.1470%2,755
Total risk-based capital ratio16.2318%2,767
Memoranda:
Average total assets$170,643,8003,159
Average earning assets$153,301,6003,204
Average equity$19,654,2003,116
Average total loans$123,901,2002,952
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7149%1,631
Cost of funding earning assets0.2477%4,799
Net interest margin4.4672%793
Noninterest income to average assets0.9311%1,107
Noninterest expense to average assets2.4940%3,615
Loan and lease loss provision to assets0.0350%3,309
Net operating income to assets2.4163%181
Return on assets (ROA)2.4163%182
Pretax return on assets2.4248%267
Return on Equity (ROE)21.1853%201
Retained earnings to average equity (ytd only)5.1720%3,137
Net charge-offs to loans-0.0097%4,382
Credit loss provision to net charge-offs-500.0000%4,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3097%4,980
Assets per employee ($millions)3.4916%4,570
Cash dividends to net income (ytd only)*75.5871%680
Condition Ratios (%)
Loss allowance to loans1.1137%3,114
Loan loss allowance to noncurrent loans115.1867%3,216
Noncurrent assets plus other real estate owned to assets0.7190%2,056
Noncurrent loans to loans0.9669%1,755
Net loans and leases to total assets73.5323%2,065
Net loans and leases to deposits83.5727%2,646
Net loans and leases to core deposits87.1014%2,909
Total domestic deposits to total assets87.9861%1,246
Equity capital to assets11.8964%1,974
Core capital (leverage) ratio11.3978%2,246
Tier 1 risk-based capital ratio14.5665%3,088
Total risk-based capital ratio15.5958%3,103
Memoranda:
Average total assets$171,554,0003,174
Average earning assets$154,484,7503,217
Average equity$19,566,5003,148
Average total loans$123,888,0002,980
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6135%1,739
Cost of funding earning assets0.2401%4,801
Net interest margin4.3734%896
Noninterest income to average assets0.9128%1,148
Noninterest expense to average assets2.4642%3,736
Loan and lease loss provision to assets0.0347%3,219
Net operating income to assets2.3462%189
Return on assets (ROA)2.3462%185
Pretax return on assets2.3543%296
Return on Equity (ROE)20.8613%211
Retained earnings to average equity (ytd only)4.4027%3,402
Net charge-offs to loans-0.0129%4,404
Credit loss provision to net charge-offs-375.0000%4,316
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.7259%5,037
Assets per employee ($millions)3.7480%4,283
Cash dividends to net income (ytd only)*78.8955%725
Condition Ratios (%)
Loss allowance to loans1.0940%3,302
Loan loss allowance to noncurrent loans89.4977%3,661
Noncurrent assets plus other real estate owned to assets0.8892%1,690
Noncurrent loans to loans1.2224%1,416
Net loans and leases to total assets71.9436%2,285
Net loans and leases to deposits81.3316%2,834
Net loans and leases to core deposits84.0725%3,075
Total domestic deposits to total assets88.4572%1,164
Equity capital to assets11.3909%2,274
Core capital (leverage) ratio11.0120%2,516
Tier 1 risk-based capital ratio14.4695%3,131
Total risk-based capital ratio15.4986%3,156
Memoranda:
Average total assets$172,873,0003,183
Average earning assets$155,758,6703,224
Average equity$19,442,6703,175
Average total loans$123,642,0002,996
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4639%1,980
Cost of funding earning assets0.2382%4,775
Net interest margin4.2257%1,109
Noninterest income to average assets0.9312%1,071
Noninterest expense to average assets2.3362%4,095
Loan and lease loss provision to assets0.0231%3,224
Net operating income to assets2.3754%180
Return on assets (ROA)2.3754%184
Pretax return on assets2.3847%270
Return on Equity (ROE)21.2567%183
Retained earnings to average equity (ytd only)3.6806%3,725
Net charge-offs to loans-0.0228%4,623
Credit loss provision to net charge-offs-142.8571%3,746
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1734%5,188
Assets per employee ($millions)3.7797%4,311
Cash dividends to net income (ytd only)*82.6848%789
Condition Ratios (%)
Loss allowance to loans1.0924%3,438
Loan loss allowance to noncurrent loans76.0270%3,920
Noncurrent assets plus other real estate owned to assets1.0220%1,534
Noncurrent loans to loans1.4369%1,235
Net loans and leases to total assets70.3538%2,419
Net loans and leases to deposits79.3732%2,881
Net loans and leases to core deposits83.2219%3,037
Total domestic deposits to total assets88.6367%1,292
Equity capital to assets11.1568%2,422
Core capital (leverage) ratio10.9779%2,461
Tier 1 risk-based capital ratio14.3612%3,189
Total risk-based capital ratio15.3814%3,236
Memoranda:
Average total assets$173,104,5003,207
Average earning assets$156,186,5003,251
Average equity$19,344,5003,218
Average total loans$122,758,0003,029
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3751%2,097
Cost of funding earning assets0.2093%4,872
Net interest margin4.1659%1,263
Noninterest income to average assets0.8412%1,434
Noninterest expense to average assets2.5852%3,490
Loan and lease loss provision to assets0.0507%3,204
Net operating income to assets1.9548%309
Return on assets (ROA)1.9548%312
Pretax return on assets1.9650%529
Return on Equity (ROE)17.9764%306
Retained earnings to average equity (ytd only)2.4214%3,881
Net charge-offs to loans0.1326%1,730
Credit loss provision to net charge-offs54.2169%3,279
Earnings coverage of net charge-offs (x)21.5361%1,897
Efficiency ratio55.1225%4,850
Assets per employee ($millions)3.5172%4,672
Cash dividends to net income (ytd only)*86.5301%614
Condition Ratios (%)
Loss allowance to loans1.0949%3,385
Loan loss allowance to noncurrent loans44.5856%4,598
Noncurrent assets plus other real estate owned to assets1.7361%726
Noncurrent loans to loans2.4556%551
Net loans and leases to total assets69.9243%2,528
Net loans and leases to deposits78.9141%3,022
Net loans and leases to core deposits83.0026%3,152
Total domestic deposits to total assets88.6081%1,191
Equity capital to assets11.1934%2,434
Core capital (leverage) ratio11.1101%2,242
Tier 1 risk-based capital ratio14.3409%3,179
Total risk-based capital ratio15.3568%3,205
Memoranda:
Average total assets$177,356,6003,153
Average earning assets$160,063,2003,198
Average equity$19,286,4003,218
Average total loans$125,182,8002,986
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3498%2,110
Cost of funding earning assets0.1999%4,977
Net interest margin4.1499%1,276
Noninterest income to average assets0.8368%1,456
Noninterest expense to average assets2.3283%4,220
Loan and lease loss provision to assets0.0336%3,447
Net operating income to assets2.2156%207
Return on assets (ROA)2.2156%209
Pretax return on assets2.2260%345
Return on Equity (ROE)20.5195%200
Retained earnings to average equity (ytd only)4.9639%2,913
Net charge-offs to loans0.0190%3,110
Credit loss provision to net charge-offs250.0000%1,131
Earnings coverage of net charge-offs (x)168.1625%501
Efficiency ratio49.6746%5,267
Assets per employee ($millions)3.7563%4,362
Cash dividends to net income (ytd only)*75.8088%762
Condition Ratios (%)
Loss allowance to loans1.1422%3,239
Loan loss allowance to noncurrent loans62.2887%4,290
Noncurrent assets plus other real estate owned to assets1.3648%1,150
Noncurrent loans to loans1.8336%970
Net loans and leases to total assets73.5825%1,982
Net loans and leases to deposits83.4315%2,619
Net loans and leases to core deposits87.8630%2,786
Total domestic deposits to total assets88.1951%1,264
Equity capital to assets11.6238%2,255
Core capital (leverage) ratio11.1376%2,338
Tier 1 risk-based capital ratio14.2554%3,325
Total risk-based capital ratio15.3302%3,317
Memoranda:
Average total assets$178,610,2503,158
Average earning assets$161,444,7503,210
Average equity$19,285,2503,243
Average total loans$126,017,7502,998
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2682%2,228
Cost of funding earning assets0.1912%5,056
Net interest margin4.0770%1,391
Noninterest income to average assets0.8493%1,417
Noninterest expense to average assets2.3454%4,226
Loan and lease loss provision to assets0.0330%3,330
Net operating income to assets2.1430%242
Return on assets (ROA)2.1430%246
Pretax return on assets2.1529%393
Return on Equity (ROE)20.3294%208
Retained earnings to average equity (ytd only)4.6754%2,931
Net charge-offs to loans0.0317%2,569
Credit loss provision to net charge-offs150.0000%1,520
Earnings coverage of net charge-offs (x)99.3500%657
Efficiency ratio50.6919%5,263
Assets per employee ($millions)3.8501%4,203
Cash dividends to net income (ytd only)*77.0021%929
Condition Ratios (%)
Loss allowance to loans1.1114%3,521
Loan loss allowance to noncurrent loans110.5919%3,383
Noncurrent assets plus other real estate owned to assets0.7411%2,342
Noncurrent loans to loans1.0049%1,951
Net loans and leases to total assets72.9279%2,055
Net loans and leases to deposits82.2915%2,672
Net loans and leases to core deposits85.6415%2,915
Total domestic deposits to total assets88.6215%1,146
Equity capital to assets11.1985%2,593
Core capital (leverage) ratio10.9286%2,479
Tier 1 risk-based capital ratio13.7732%3,551
Total risk-based capital ratio14.8154%3,579
Memoranda:
Average total assets$181,803,0003,135
Average earning assets$164,191,0003,187
Average equity$19,164,3303,254
Average total loans$126,085,3303,007
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1470%2,486
Cost of funding earning assets0.1933%5,032
Net interest margin3.9537%1,594
Noninterest income to average assets0.8362%1,445
Noninterest expense to average assets2.1389%4,775
Loan and lease loss provision to assets0.0322%3,141
Net operating income to assets2.2163%219
Return on assets (ROA)2.2163%223
Pretax return on assets2.2270%340
Return on Equity (ROE)21.6534%160
Retained earnings to average equity (ytd only)5.9017%2,391
Net charge-offs to loans0.0671%1,660
Credit loss provision to net charge-offs71.4286%1,823
Earnings coverage of net charge-offs (x)50.0476%894
Efficiency ratio47.5562%5,486
Assets per employee ($millions)3.9533%4,090
Cash dividends to net income (ytd only)*72.7449%1,110
Condition Ratios (%)
Loss allowance to loans1.1266%3,538
Loan loss allowance to noncurrent loans161.3793%2,668
Noncurrent assets plus other real estate owned to assets0.4890%3,269
Noncurrent loans to loans0.6981%2,753
Net loans and leases to total assets69.2618%2,495
Net loans and leases to deposits77.8070%2,998
Net loans and leases to core deposits80.8748%3,214
Total domestic deposits to total assets89.0174%1,129
Equity capital to assets10.7983%2,857
Core capital (leverage) ratio10.4811%2,926
Tier 1 risk-based capital ratio14.0652%3,435
Total risk-based capital ratio15.1280%3,468
Memoranda:
Average total assets$186,076,5003,131
Average earning assets$167,639,5003,164
Average equity$19,045,5003,282
Average total loans$125,242,0003,036
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2318%2,380
Cost of funding earning assets0.2047%4,972
Net interest margin4.0271%1,567
Noninterest income to average assets0.7838%1,810
Noninterest expense to average assets2.5008%4,008
Loan and lease loss provision to assets0.0545%3,288
Net operating income to assets1.8441%407
Return on assets (ROA)1.8441%423
Pretax return on assets1.8556%684
Return on Equity (ROE)17.8490%336
Retained earnings to average equity (ytd only)2.0114%4,398
Net charge-offs to loans0.4744%524
Credit loss provision to net charge-offs16.6113%3,700
Earnings coverage of net charge-offs (x)5.8173%3,279
Efficiency ratio55.6201%5,096
Assets per employee ($millions)4.3168%3,414
Cash dividends to net income (ytd only)*88.7311%625
Condition Ratios (%)
Loss allowance to loans1.1203%3,607
Loan loss allowance to noncurrent loans566.2651%962
Noncurrent assets plus other real estate owned to assets0.1282%4,799
Noncurrent loans to loans0.1978%4,445
Net loans and leases to total assets64.0677%3,351
Net loans and leases to deposits71.0630%3,806
Net loans and leases to core deposits73.6994%3,943
Total domestic deposits to total assets90.1562%578
Equity capital to assets9.7197%4,042
Core capital (leverage) ratio10.0039%3,475
Tier 1 risk-based capital ratio13.2208%3,939
Total risk-based capital ratio14.2400%3,988
Memoranda:
Average total assets$183,338,4003,131
Average earning assets$165,131,2003,170
Average equity$18,942,2003,276
Average total loans$126,897,0002,964
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2851%2,209
Cost of funding earning assets0.2020%5,049
Net interest margin4.0831%1,426
Noninterest income to average assets0.7936%1,789
Noninterest expense to average assets2.3040%4,523
Loan and lease loss provision to assets0.0517%3,217
Net operating income to assets2.1128%287
Return on assets (ROA)2.1128%297
Pretax return on assets2.1246%443
Return on Equity (ROE)20.1287%235
Retained earnings to average equity (ytd only)4.3043%3,256
Net charge-offs to loans0.6323%323
Credit loss provision to net charge-offs11.6086%3,357
Earnings coverage of net charge-offs (x)4.8889%3,205
Efficiency ratio50.3378%5,480
Assets per employee ($millions)3.9766%4,008
Cash dividends to net income (ytd only)*78.6166%782
Condition Ratios (%)
Loss allowance to loans1.0765%3,972
Loan loss allowance to noncurrent loans555.6452%962
Noncurrent assets plus other real estate owned to assets0.1386%4,879
Noncurrent loans to loans0.1937%4,574
Net loans and leases to total assets70.7640%2,380
Net loans and leases to deposits79.4407%3,028
Net loans and leases to core deposits82.6917%3,231
Total domestic deposits to total assets89.0778%865
Equity capital to assets10.7864%3,257
Core capital (leverage) ratio10.1891%3,344
Tier 1 risk-based capital ratio13.1700%4,053
Total risk-based capital ratio14.1509%4,137
Memoranda:
Average total assets$180,609,5003,169
Average earning assets$163,073,0003,203
Average equity$18,957,5003,301
Average total loans$127,155,2502,968
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2160%2,464
Cost of funding earning assets0.2051%5,089
Net interest margin4.0109%1,611
Noninterest income to average assets0.7871%1,773
Noninterest expense to average assets2.2355%4,764
Loan and lease loss provision to assets0.0442%3,267
Net operating income to assets2.1229%262
Return on assets (ROA)2.1229%276
Pretax return on assets2.1351%435
Return on Equity (ROE)20.4111%226
Retained earnings to average equity (ytd only)4.4898%3,056
Net charge-offs to loans0.6810%301
Credit loss provision to net charge-offs9.2593%2,999
Earnings coverage of net charge-offs (x)4.5694%2,974
Efficiency ratio49.5374%5,592
Assets per employee ($millions)4.0689%3,785
Cash dividends to net income (ytd only)*78.0031%940
Condition Ratios (%)
Loss allowance to loans1.2095%3,310
Loan loss allowance to noncurrent loans237.5000%1,982
Noncurrent assets plus other real estate owned to assets0.3495%4,094
Noncurrent loans to loans0.5093%3,557
Net loans and leases to total assets67.8043%2,808
Net loans and leases to deposits76.0436%3,375
Net loans and leases to core deposits79.3023%3,522
Total domestic deposits to total assets89.1651%839
Equity capital to assets10.4488%3,695
Core capital (leverage) ratio9.9021%3,679
Tier 1 risk-based capital ratio13.5323%3,877
Total risk-based capital ratio14.6569%3,874
Memoranda:
Average total assets$181,163,6703,185
Average earning assets$163,852,6703,222
Average equity$18,842,6703,323
Average total loans$126,871,0002,985
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2228%2,396
Cost of funding earning assets0.2133%5,069
Net interest margin4.0095%1,584
Noninterest income to average assets0.7525%1,810
Noninterest expense to average assets2.3530%4,511
Loan and lease loss provision to assets0.0333%3,214
Net operating income to assets1.9823%345
Return on assets (ROA)1.9823%364
Pretax return on assets1.9956%576
Return on Equity (ROE)19.1036%286
Retained earnings to average equity (ytd only)3.0592%3,980
Net charge-offs to loans0.1161%1,420
Credit loss provision to net charge-offs40.5405%2,141
Earnings coverage of net charge-offs (x)24.7027%1,322
Efficiency ratio52.6342%5,476
Assets per employee ($millions)4.0215%3,909
Cash dividends to net income (ytd only)*83.9866%934
Condition Ratios (%)
Loss allowance to loans1.4912%2,026
Loan loss allowance to noncurrent loans55.8346%4,692
Noncurrent assets plus other real estate owned to assets1.8705%972
Noncurrent loans to loans2.6708%672
Net loans and leases to total assets68.9903%2,501
Net loans and leases to deposits77.4097%3,063
Net loans and leases to core deposits80.7480%3,259
Total domestic deposits to total assets89.1236%1,038
Equity capital to assets10.3946%3,624
Core capital (leverage) ratio9.8042%3,769
Tier 1 risk-based capital ratio13.0686%4,222
Total risk-based capital ratio14.3201%4,137
Memoranda:
Average total assets$180,194,5003,200
Average earning assets$163,114,0003,241
Average equity$18,698,0003,343
Average total loans$127,471,0002,976
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1504%2,736
Cost of funding earning assets0.2153%5,136
Net interest margin3.9351%1,913
Noninterest income to average assets0.7119%2,146
Noninterest expense to average assets2.3278%4,711
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.9233%391
Return on assets (ROA)1.9233%403
Pretax return on assets1.9338%622
Return on Equity (ROE)16.5874%496
Retained earnings to average equity (ytd only)2.2302%4,451
Net charge-offs to loans0.0929%2,504
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)28.8017%1,495
Efficiency ratio54.0625%5,518
Assets per employee ($millions)3.9871%3,962
Cash dividends to net income (ytd only)*86.5551%695
Condition Ratios (%)
Loss allowance to loans1.4914%2,049
Loan loss allowance to noncurrent loans460.7229%1,126
Noncurrent assets plus other real estate owned to assets0.2313%4,671
Noncurrent loans to loans0.3237%4,298
Net loans and leases to total assets70.3874%2,309
Net loans and leases to deposits78.9262%2,949
Net loans and leases to core deposits80.1245%3,333
Total domestic deposits to total assets89.1813%1,029
Equity capital to assets10.3584%3,562
Core capital (leverage) ratio10.0392%3,457
Tier 1 risk-based capital ratio12.9657%4,346
Total risk-based capital ratio14.2168%4,249
Memoranda:
Average total assets$180,214,4003,171
Average earning assets$162,563,6003,220
Average equity$20,895,4003,083
Average total loans$130,277,0002,884
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5093%1,567
Cost of funding earning assets0.2540%4,831
Net interest margin4.2553%1,048
Noninterest income to average assets0.7420%2,058
Noninterest expense to average assets2.6738%3,659
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.8986%426
Return on assets (ROA)2.1003%324
Pretax return on assets2.1077%492
Return on Equity (ROE)17.6465%426
Retained earnings to average equity (ytd only)3.6758%3,850
Net charge-offs to loans-0.0326%5,391
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.0281%5,115
Assets per employee ($millions)3.7869%4,291
Cash dividends to net income (ytd only)*79.1697%758
Condition Ratios (%)
Loss allowance to loans1.6272%1,685
Loan loss allowance to noncurrent loans329.3461%1,489
Noncurrent assets plus other real estate owned to assets0.3679%4,295
Noncurrent loans to loans0.4941%3,867
Net loans and leases to total assets73.2580%1,861
Net loans and leases to deposits82.6989%2,564
Net loans and leases to core deposits86.3334%2,817
Total domestic deposits to total assets88.5840%1,254
Equity capital to assets10.9800%3,049
Core capital (leverage) ratio10.0973%3,504
Tier 1 risk-based capital ratio13.1765%4,336
Total risk-based capital ratio14.4292%4,256
Memoranda:
Average total assets$180,413,0003,186
Average earning assets$162,712,5003,243
Average equity$21,473,0003,049
Average total loans$130,796,0002,893
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7217%1,028
Cost of funding earning assets0.2313%5,130
Net interest margin4.4904%654
Noninterest income to average assets0.8196%1,701
Noninterest expense to average assets2.4340%4,456
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets2.3843%198
Return on assets (ROA)2.3843%209
Pretax return on assets2.3961%288
Return on Equity (ROE)19.9373%270
Retained earnings to average equity (ytd only)3.5415%3,773
Net charge-offs to loans-0.0506%5,556
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.3924%5,830
Assets per employee ($millions)3.7171%4,388
Cash dividends to net income (ytd only)*82.2368%870
Condition Ratios (%)
Loss allowance to loans1.7732%1,424
Loan loss allowance to noncurrent loans683.1126%786
Noncurrent assets plus other real estate owned to assets0.2031%5,055
Noncurrent loans to loans0.2596%4,748
Net loans and leases to total assets76.8611%1,247
Net loans and leases to deposits87.9531%1,842
Net loans and leases to core deposits93.3966%2,015
Total domestic deposits to total assets87.3888%1,970
Equity capital to assets12.4021%1,719
Core capital (leverage) ratio12.4291%1,416
Tier 1 risk-based capital ratio15.0661%3,319
Total risk-based capital ratio16.3216%3,259
Memoranda:
Average total assets$153,001,6703,581
Average earning assets$136,646,6703,648
Average equity$18,297,3303,382
Average total loans$118,466,0003,113
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6246%1,171
Cost of funding earning assets0.2315%5,197
Net interest margin4.3931%742
Noninterest income to average assets0.7734%1,818
Noninterest expense to average assets2.2815%4,929
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets2.3924%183
Return on assets (ROA)2.3924%194
Pretax return on assets2.4053%275
Return on Equity (ROE)20.3665%255
Retained earnings to average equity (ytd only)3.9065%3,656
Net charge-offs to loans-0.1037%5,870
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6799%5,987
Assets per employee ($millions)4.1694%3,616
Cash dividends to net income (ytd only)*80.8190%965
Condition Ratios (%)
Loss allowance to loans1.7512%1,610
Loan loss allowance to noncurrent loans177.6248%2,441
Noncurrent assets plus other real estate owned to assets0.7742%3,175
Noncurrent loans to loans0.9859%2,798
Net loans and leases to total assets77.1472%1,037
Net loans and leases to deposits88.0325%1,606
Net loans and leases to core deposits93.1841%1,836
Total domestic deposits to total assets87.6349%2,025
Equity capital to assets12.2159%1,883
Core capital (leverage) ratio11.5298%1,979
Tier 1 risk-based capital ratio14.7666%3,566
Total risk-based capital ratio16.0215%3,488
Memoranda:
Average total assets$155,160,0003,573
Average earning assets$138,217,5003,650
Average equity$18,226,0003,415
Average total loans$119,527,0003,103
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9948%782
Cost of funding earning assets0.2810%4,993
Net interest margin4.7138%509
Noninterest income to average assets1.3722%653
Noninterest expense to average assets2.6514%4,043
Loan and lease loss provision to assets0.3666%510
Net operating income to assets2.4720%154
Return on assets (ROA)2.4720%158
Pretax return on assets2.4831%195
Return on Equity (ROE)21.0264%207
Retained earnings to average equity (ytd only)3.2074%3,955
Net charge-offs to loans-0.0100%5,560
Credit loss provision to net charge-offs-4,666.6667%6,052
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1971%6,179
Assets per employee ($millions)4.1082%3,707
Cash dividends to net income (ytd only)*84.7458%740
Condition Ratios (%)
Loss allowance to loans1.6775%1,831
Loan loss allowance to noncurrent loans172.5806%2,522
Noncurrent assets plus other real estate owned to assets0.7352%3,368
Noncurrent loans to loans0.9720%2,891
Net loans and leases to total assets74.3721%1,521
Net loans and leases to deposits83.9733%2,221
Net loans and leases to core deposits89.2036%2,362
Total domestic deposits to total assets88.5663%1,482
Equity capital to assets11.3070%2,599
Core capital (leverage) ratio11.5633%1,932
Tier 1 risk-based capital ratio14.1937%3,971
Total risk-based capital ratio15.4480%3,899
Memoranda:
Average total assets$152,751,0003,588
Average earning assets$133,799,8003,698
Average equity$17,958,4003,404
Average total loans$120,459,0003,028
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1221%611
Cost of funding earning assets0.3018%4,872
Net interest margin4.8203%412
Noninterest income to average assets1.4952%562
Noninterest expense to average assets2.5679%4,294
Loan and lease loss provision to assets0.0398%3,617
Net operating income to assets3.0822%92
Return on assets (ROA)3.0822%91
Pretax return on assets3.0937%106
Return on Equity (ROE)25.9532%87
Retained earnings to average equity (ytd only)8.8396%1,048
Net charge-offs to loans0.0055%4,502
Credit loss provision to net charge-offs900.0000%353
Earnings coverage of net charge-offs (x)708.8276%106
Efficiency ratio45.0403%6,323
Assets per employee ($millions)3.8446%4,206
Cash dividends to net income (ytd only)*65.9404%1,163
Condition Ratios (%)
Loss allowance to loans1.2407%4,016
Loan loss allowance to noncurrent loans55.9493%4,922
Noncurrent assets plus other real estate owned to assets1.7881%1,669
Noncurrent loans to loans2.2176%1,364
Net loans and leases to total assets79.6302%752
Net loans and leases to deposits91.1510%1,305
Net loans and leases to core deposits98.6418%1,478
Total domestic deposits to total assets87.3608%2,114
Equity capital to assets12.4652%1,723
Core capital (leverage) ratio12.1966%1,578
Tier 1 risk-based capital ratio14.7752%3,714
Total risk-based capital ratio15.9614%3,694
Memoranda:
Average total assets$150,883,7503,644
Average earning assets$131,661,0003,754
Average equity$17,919,0003,428
Average total loans$120,275,7503,048
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1069%611
Cost of funding earning assets0.3061%4,913
Net interest margin4.8008%412
Noninterest income to average assets0.9087%1,470
Noninterest expense to average assets2.4392%4,771
Loan and lease loss provision to assets0.0397%3,513
Net operating income to assets2.5675%127
Return on assets (ROA)2.5675%131
Pretax return on assets2.5794%186
Return on Equity (ROE)21.9794%199
Retained earnings to average equity (ytd only)4.9938%2,960
Net charge-offs to loans0.0067%4,149
Credit loss provision to net charge-offs750.0000%421
Earnings coverage of net charge-offs (x)495.0000%143
Efficiency ratio48.2218%6,281
Assets per employee ($millions)3.8954%4,067
Cash dividends to net income (ytd only)*77.2798%972
Condition Ratios (%)
Loss allowance to loans1.2235%4,315
Loan loss allowance to noncurrent loans393.1217%1,177
Noncurrent assets plus other real estate owned to assets0.6758%3,968
Noncurrent loans to loans0.3112%5,082
Net loans and leases to total assets76.9927%1,051
Net loans and leases to deposits87.1568%1,687
Net loans and leases to core deposits94.6433%1,723
Total domestic deposits to total assets88.3382%1,714
Equity capital to assets11.5168%2,414
Core capital (leverage) ratio11.7736%1,807
Tier 1 risk-based capital ratio13.9095%4,316
Total risk-based capital ratio15.0626%4,334
Memoranda:
Average total assets$151,199,0003,660
Average earning assets$130,685,6703,794
Average equity$17,662,0003,456
Average total loans$120,069,0003,059
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0912%604
Cost of funding earning assets0.3170%4,896
Net interest margin4.7742%401
Noninterest income to average assets0.8892%1,429
Noninterest expense to average assets2.4985%4,629
Loan and lease loss provision to assets0.0403%3,277
Net operating income to assets2.4770%150
Return on assets (ROA)2.4770%159
Pretax return on assets2.4770%229
Return on Equity (ROE)21.0496%242
Retained earnings to average equity (ytd only)3.9268%3,757
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.8125%6,265
Assets per employee ($millions)3.7090%4,500
Cash dividends to net income (ytd only)*81.3449%945
Condition Ratios (%)
Loss allowance to loans1.2374%4,445
Loan loss allowance to noncurrent loans240.0000%1,791
Noncurrent assets plus other real estate owned to assets0.9248%3,418
Noncurrent loans to loans0.5156%4,625
Net loans and leases to total assets79.4070%615
Net loans and leases to deposits90.3083%1,112
Net loans and leases to core deposits97.4651%1,281
Total domestic deposits to total assets87.9288%2,271
Equity capital to assets11.8771%1,952
Core capital (leverage) ratio11.8564%1,730
Tier 1 risk-based capital ratio13.9307%4,370
Total risk-based capital ratio15.0945%4,389
Memoranda:
Average total assets$148,890,5003,715
Average earning assets$128,693,0003,873
Average equity$17,520,5003,477
Average total loans$119,377,0003,081
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2186%613
Cost of funding earning assets0.4008%4,647
Net interest margin4.8178%417
Noninterest income to average assets0.9574%1,505
Noninterest expense to average assets2.8669%3,469
Loan and lease loss provision to assets0.0971%3,183
Net operating income to assets2.0709%298
Return on assets (ROA)2.0709%301
Pretax return on assets2.0709%411
Return on Equity (ROE)17.9227%415
Retained earnings to average equity (ytd only)-3.2881%6,283
Net charge-offs to loans0.2324%2,595
Credit loss provision to net charge-offs55.0186%3,704
Earnings coverage of net charge-offs (x)12.2825%2,136
Efficiency ratio56.9399%5,860
Assets per employee ($millions)3.7355%4,397
Cash dividends to net income (ytd only)*118.3460%242
Condition Ratios (%)
Loss allowance to loans1.2229%4,530
Loan loss allowance to noncurrent loans103.5436%3,542
Noncurrent assets plus other real estate owned to assets1.4483%2,574
Noncurrent loans to loans1.1811%3,183
Net loans and leases to total assets78.9774%721
Net loans and leases to deposits89.5662%1,274
Net loans and leases to core deposits96.7469%1,401
Total domestic deposits to total assets88.1776%2,073
Equity capital to assets11.6584%2,056
Core capital (leverage) ratio12.0654%1,560
Tier 1 risk-based capital ratio13.7546%4,476
Total risk-based capital ratio14.9032%4,496
Memoranda:
Average total assets$152,396,8003,668
Average earning assets$128,979,8003,868
Average equity$17,609,0003,482
Average total loans$115,738,0003,134
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2015%642
Cost of funding earning assets0.4190%4,633
Net interest margin4.7825%447
Noninterest income to average assets0.9655%1,561
Noninterest expense to average assets2.6981%4,025
Loan and lease loss provision to assets0.0218%4,569
Net operating income to assets2.2898%221
Return on assets (ROA)2.2898%232
Pretax return on assets2.2898%327
Return on Equity (ROE)19.8603%308
Retained earnings to average equity (ytd only)-7.0228%6,574
Net charge-offs to loans-0.0023%5,695
Credit loss provision to net charge-offs-1,250.0000%6,218
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8582%6,111
Assets per employee ($millions)3.8025%4,236
Cash dividends to net income (ytd only)*135.3612%164
Condition Ratios (%)
Loss allowance to loans1.3947%3,920
Loan loss allowance to noncurrent loans302.4436%1,362
Noncurrent assets plus other real estate owned to assets0.9274%3,813
Noncurrent loans to loans0.4611%5,038
Net loans and leases to total assets78.7254%679
Net loans and leases to deposits89.4244%1,228
Net loans and leases to core deposits103.3648%912
Total domestic deposits to total assets88.0357%2,111
Equity capital to assets11.8384%2,018
Core capital (leverage) ratio11.4770%2,059
Tier 1 risk-based capital ratio13.7888%4,575
Total risk-based capital ratio15.0395%4,529
Memoranda:
Average total assets$153,141,0003,690
Average earning assets$129,497,0003,894
Average equity$17,656,2503,512
Average total loans$114,805,2503,168
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1807%659
Cost of funding earning assets0.4355%4,599
Net interest margin4.7452%468
Noninterest income to average assets0.9781%1,584
Noninterest expense to average assets2.6381%4,256
Loan and lease loss provision to assets0.0320%4,288
Net operating income to assets2.2881%224
Return on assets (ROA)2.2881%234
Pretax return on assets2.2881%354
Return on Equity (ROE)20.0116%298
Retained earnings to average equity (ytd only)-5.8858%6,509
Net charge-offs to loans0.0227%4,384
Credit loss provision to net charge-offs192.3077%1,238
Earnings coverage of net charge-offs (x)139.2308%355
Efficiency ratio53.2058%6,204
Assets per employee ($millions)3.9764%3,861
Cash dividends to net income (ytd only)*129.4118%288
Condition Ratios (%)
Loss allowance to loans1.4090%3,994
Loan loss allowance to noncurrent loans245.9877%1,656
Noncurrent assets plus other real estate owned to assets0.9636%3,852
Noncurrent loans to loans0.5728%4,828
Net loans and leases to total assets73.8139%1,281
Net loans and leases to deposits83.6565%1,845
Net loans and leases to core deposits90.4480%1,869
Total domestic deposits to total assets88.2345%2,088
Equity capital to assets11.6258%2,192
Core capital (leverage) ratio11.1870%2,183
Tier 1 risk-based capital ratio14.2552%4,255
Total risk-based capital ratio15.5061%4,207
Memoranda:
Average total assets$156,022,6703,670
Average earning assets$130,870,3303,887
Average equity$17,839,6703,510
Average total loans$114,619,0003,174
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2130%592
Cost of funding earning assets0.4119%4,990
Net interest margin4.8011%402
Noninterest income to average assets1.2576%968
Noninterest expense to average assets2.7675%3,807
Loan and lease loss provision to assets0.0548%3,718
Net operating income to assets2.5262%157
Return on assets (ROA)2.5262%168
Pretax return on assets2.5262%260
Return on Equity (ROE)21.9200%200
Retained earnings to average equity (ytd only)-17.7327%6,806
Net charge-offs to loans-0.0047%5,255
Credit loss provision to net charge-offs-1,500.0000%5,692
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.7430%6,397
Assets per employee ($millions)3.6076%4,766
Cash dividends to net income (ytd only)*180.8973%262
Condition Ratios (%)
Loss allowance to loans1.2522%4,930
Loan loss allowance to noncurrent loans227.9915%1,687
Noncurrent assets plus other real estate owned to assets1.1836%3,591
Noncurrent loans to loans0.5492%5,065
Net loans and leases to total assets77.7477%643
Net loans and leases to deposits87.9477%1,153
Net loans and leases to core deposits97.2999%1,128
Total domestic deposits to total assets88.4022%2,066
Equity capital to assets11.3899%2,536
Core capital (leverage) ratio11.1936%2,103
Tier 1 risk-based capital ratio13.4949%4,876
Total risk-based capital ratio14.6549%4,892
Memoranda:
Average total assets$109,413,5004,623
Average earning assets$93,229,0004,819
Average equity$12,609,5004,449
Average total loans$84,589,0003,881
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7268%416
Cost of funding earning assets0.5697%4,652
Net interest margin5.1572%294
Noninterest income to average assets1.3434%856
Noninterest expense to average assets2.9974%3,288
Loan and lease loss provision to assets0.0238%5,597
Net operating income to assets2.6943%123
Return on assets (ROA)2.6943%134
Pretax return on assets2.7086%193
Return on Equity (ROE)23.1009%175
Retained earnings to average equity (ytd only)9.4570%706
Net charge-offs to loans-0.0301%6,614
Credit loss provision to net charge-offs-100.0000%6,331
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3130%6,440
Assets per employee ($millions)3.8138%4,339
Cash dividends to net income (ytd only)*59.0621%1,850
Condition Ratios (%)
Loss allowance to loans1.2517%4,865
Loan loss allowance to noncurrent loans875.8333%512
Noncurrent assets plus other real estate owned to assets0.9005%4,244
Noncurrent loans to loans0.1429%6,128
Net loans and leases to total assets74.9693%1,057
Net loans and leases to deposits84.9967%1,641
Net loans and leases to core deposits92.6809%1,580
Total domestic deposits to total assets88.2025%2,091
Equity capital to assets11.6564%2,297
Core capital (leverage) ratio12.2695%1,416
Tier 1 risk-based capital ratio14.2237%4,223
Total risk-based capital ratio15.3752%4,249
Memoranda:
Average total assets$105,257,4004,700
Average earning assets$89,526,0004,881
Average equity$12,276,6004,508
Average total loans$83,163,8003,935
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8241%386
Cost of funding earning assets0.6026%4,619
Net interest margin5.2214%284
Noninterest income to average assets1.3677%796
Noninterest expense to average assets3.0535%3,045
Loan and lease loss provision to assets0.0321%5,376
Net operating income to assets2.7366%133
Return on assets (ROA)2.7366%140
Pretax return on assets2.7507%199
Return on Equity (ROE)23.4594%181
Retained earnings to average equity (ytd only)8.8867%1,270
Net charge-offs to loans-0.0386%6,639
Credit loss provision to net charge-offs-104.1667%6,249
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3192%6,428
Assets per employee ($millions)3.5171%4,942
Cash dividends to net income (ytd only)*62.1190%1,196
Condition Ratios (%)
Loss allowance to loans1.3030%4,798
Loan loss allowance to noncurrent loans119.4539%2,796
Noncurrent assets plus other real estate owned to assets1.7275%3,015
Noncurrent loans to loans1.0908%4,256
Net loans and leases to total assets77.9783%732
Net loans and leases to deposits89.0908%1,249
Net loans and leases to core deposits99.6242%1,148
Total domestic deposits to total assets87.5268%2,332
Equity capital to assets12.2967%2,047
Core capital (leverage) ratio12.1223%1,578
Tier 1 risk-based capital ratio14.7742%3,996
Total risk-based capital ratio16.0029%3,974
Memoranda:
Average total assets$103,921,7504,777
Average earning assets$88,939,2504,939
Average equity$12,122,7504,583
Average total loans$82,963,0003,988
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8227%396
Cost of funding earning assets0.6351%4,574
Net interest margin5.1876%295
Noninterest income to average assets1.3274%807
Noninterest expense to average assets2.9130%3,569
Loan and lease loss provision to assets0.0478%5,079
Net operating income to assets2.8059%124
Return on assets (ROA)2.8059%132
Pretax return on assets2.8193%191
Return on Equity (ROE)24.4847%162
Retained earnings to average equity (ytd only)5.7081%2,875
Net charge-offs to loans-0.0597%6,714
Credit loss provision to net charge-offs-100.0000%6,064
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.3971%6,618
Assets per employee ($millions)3.5267%4,930
Cash dividends to net income (ytd only)*76.6871%874
Condition Ratios (%)
Loss allowance to loans1.2622%5,071
Loan loss allowance to noncurrent loans146.5830%2,291
Noncurrent assets plus other real estate owned to assets1.6876%3,193
Noncurrent loans to loans0.8611%4,784
Net loans and leases to total assets80.3880%465
Net loans and leases to deposits91.3491%1,018
Net loans and leases to core deposits102.0556%977
Total domestic deposits to total assets88.0009%2,143
Equity capital to assets11.7977%2,318
Core capital (leverage) ratio11.3285%2,024
Tier 1 risk-based capital ratio13.6513%4,706
Total risk-based capital ratio14.8478%4,716
Memoranda:
Average total assets$104,564,0004,788
Average earning assets$89,751,6704,944
Average equity$11,983,0004,607
Average total loans$83,756,0003,988
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7706%452
Cost of funding earning assets0.6841%4,418
Net interest margin5.0865%352
Noninterest income to average assets1.3055%834
Noninterest expense to average assets2.9818%3,325
Loan and lease loss provision to assets0.0568%4,698
Net operating income to assets2.5882%158
Return on assets (ROA)2.5882%190
Pretax return on assets2.5996%291
Return on Equity (ROE)22.9117%248
Retained earnings to average equity (ytd only)15.3750%419
Net charge-offs to loans-0.1048%6,803
Credit loss provision to net charge-offs-68.1818%5,454
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.8859%6,451
Assets per employee ($millions)3.7102%4,631
Cash dividends to net income (ytd only)*32.8947%1,990
Condition Ratios (%)
Loss allowance to loans1.2458%5,276
Loan loss allowance to noncurrent loans157.2727%2,073
Noncurrent assets plus other real estate owned to assets1.5725%3,502
Noncurrent loans to loans0.7921%5,087
Net loans and leases to total assets76.4759%750
Net loans and leases to deposits86.4838%1,363
Net loans and leases to core deposits96.1139%1,289
Total domestic deposits to total assets88.4280%2,051
Equity capital to assets11.3071%2,620
Core capital (leverage) ratio11.4964%1,895
Tier 1 risk-based capital ratio13.8821%4,543
Total risk-based capital ratio15.0722%4,568
Memoranda:
Average total assets$105,709,0004,797
Average earning assets$90,042,0004,966
Average equity$11,941,5004,623
Average total loans$84,000,5004,010
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0371%407
Cost of funding earning assets0.9026%4,094
Net interest margin5.1345%320
Noninterest income to average assets1.1887%937
Noninterest expense to average assets3.2037%2,849
Loan and lease loss provision to assets0.1950%4,232
Net operating income to assets2.1223%256
Return on assets (ROA)2.1223%275
Pretax return on assets2.1334%422
Return on Equity (ROE)18.9015%319
Retained earnings to average equity (ytd only)-3.5728%6,332
Net charge-offs to loans0.3668%3,569
Credit loss provision to net charge-offs65.1235%5,025
Earnings coverage of net charge-offs (x)7.7747%2,268
Efficiency ratio57.9114%6,068
Assets per employee ($millions)3.5801%4,829
Cash dividends to net income (ytd only)*118.9024%217
Condition Ratios (%)
Loss allowance to loans1.1821%5,479
Loan loss allowance to noncurrent loans153.0581%2,090
Noncurrent assets plus other real estate owned to assets1.6461%3,487
Noncurrent loans to loans0.7723%5,146
Net loans and leases to total assets80.5966%434
Net loans and leases to deposits91.0344%1,051
Net loans and leases to core deposits99.6819%1,207
Total domestic deposits to total assets88.5342%1,835
Equity capital to assets11.2857%2,707
Core capital (leverage) ratio11.1289%2,172
Tier 1 risk-based capital ratio13.2731%4,859
Total risk-based capital ratio14.4137%4,925
Memoranda:
Average total assets$108,186,2004,684
Average earning assets$91,518,0004,870
Average equity$12,147,2004,521
Average total loans$88,326,6003,900
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0196%439
Cost of funding earning assets0.9145%4,305
Net interest margin5.1050%335
Noninterest income to average assets1.1127%1,076
Noninterest expense to average assets2.9075%3,900
Loan and lease loss provision to assets0.0939%5,290
Net operating income to assets2.4231%176
Return on assets (ROA)2.4231%183
Pretax return on assets2.4292%279
Return on Equity (ROE)21.6074%234
Retained earnings to average equity (ytd only)0.6092%5,775
Net charge-offs to loans0.2555%3,834
Credit loss provision to net charge-offs45.0292%5,142
Earnings coverage of net charge-offs (x)12.0938%1,739
Efficiency ratio53.5385%6,541
Assets per employee ($millions)3.7278%4,465
Cash dividends to net income (ytd only)*97.1804%333
Condition Ratios (%)
Loss allowance to loans1.1753%5,562
Loan loss allowance to noncurrent loans106.0291%2,817
Noncurrent assets plus other real estate owned to assets2.1633%2,950
Noncurrent loans to loans1.1085%4,704
Net loans and leases to total assets82.1666%342
Net loans and leases to deposits95.4025%734
Net loans and leases to core deposits105.2229%906
Total domestic deposits to total assets86.1263%3,152
Equity capital to assets11.6999%2,496
Core capital (leverage) ratio11.5820%1,969
Tier 1 risk-based capital ratio13.5861%4,665
Total risk-based capital ratio14.7276%4,723
Memoranda:
Average total assets$109,277,2504,694
Average earning assets$92,429,7504,885
Average equity$12,254,7504,497
Average total loans$89,238,7503,920
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9753%501
Cost of funding earning assets0.9535%4,286
Net interest margin5.0217%381
Noninterest income to average assets0.9215%1,580
Noninterest expense to average assets2.6436%5,025
Loan and lease loss provision to assets0.0811%5,293
Net operating income to assets2.3983%190
Return on assets (ROA)2.3983%195
Pretax return on assets2.4037%284
Return on Equity (ROE)21.6807%246
Retained earnings to average equity (ytd only)6.5205%2,129
Net charge-offs to loans0.3820%3,031
Credit loss provision to net charge-offs26.1628%5,043
Earnings coverage of net charge-offs (x)8.0116%2,137
Efficiency ratio51.5471%6,825
Assets per employee ($millions)3.5582%4,788
Cash dividends to net income (ytd only)*69.9248%1,035
Condition Ratios (%)
Loss allowance to loans1.1066%5,931
Loan loss allowance to noncurrent loans72.6269%3,829
Noncurrent assets plus other real estate owned to assets2.6361%2,530
Noncurrent loans to loans1.5237%4,138
Net loans and leases to total assets82.6290%327
Net loans and leases to deposits95.9219%730
Net loans and leases to core deposits104.8774%992
Total domestic deposits to total assets86.1420%3,245
Equity capital to assets11.7521%2,283
Core capital (leverage) ratio11.4151%1,962
Tier 1 risk-based capital ratio13.5068%4,520
Total risk-based capital ratio14.5748%4,650
Memoranda:
Average total assets$110,910,6704,681
Average earning assets$92,916,3304,907
Average equity$12,269,0004,485
Average total loans$90,057,3303,935
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9682%501
Cost of funding earning assets1.0076%4,151
Net interest margin4.9606%412
Noninterest income to average assets0.8319%1,919
Noninterest expense to average assets2.4426%5,758
Loan and lease loss provision to assets0.1062%4,686
Net operating income to assets2.3754%204
Return on assets (ROA)2.3754%211
Pretax return on assets2.3789%298
Return on Equity (ROE)22.1251%239
Retained earnings to average equity (ytd only)1.3519%5,287
Net charge-offs to loans0.1282%3,747
Credit loss provision to net charge-offs103.4483%2,563
Earnings coverage of net charge-offs (x)24.2069%992
Efficiency ratio49.5690%7,017
Assets per employee ($millions)3.8671%4,150
Cash dividends to net income (ytd only)*93.8897%655
Condition Ratios (%)
Loss allowance to loans1.2423%5,436
Loan loss allowance to noncurrent loans116.0250%2,496
Noncurrent assets plus other real estate owned to assets2.1713%3,104
Noncurrent loans to loans1.0707%4,906
Net loans and leases to total assets79.0387%617
Net loans and leases to deposits91.2289%1,090
Net loans and leases to core deposits100.1695%1,324
Total domestic deposits to total assets86.6378%3,159
Equity capital to assets10.8431%2,835
Core capital (leverage) ratio10.6073%2,501
Tier 1 risk-based capital ratio12.8980%4,899
Total risk-based capital ratio14.0842%4,930
Memoranda:
Average total assets$112,992,5004,668
Average earning assets$93,294,5004,934
Average equity$12,131,0004,519
Average total loans$90,490,5003,968
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0818%723
Cost of funding earning assets1.3465%3,597
Net interest margin4.7353%755
Noninterest income to average assets0.8038%2,264
Noninterest expense to average assets2.4838%5,854
Loan and lease loss provision to assets0.4178%3,603
Net operating income to assets1.8083%411
Return on assets (ROA)1.8083%445
Pretax return on assets1.8195%730
Return on Equity (ROE)17.6490%411
Retained earnings to average equity (ytd only)4.9525%2,441
Net charge-offs to loans0.5370%3,466
Credit loss provision to net charge-offs97.1944%4,775
Earnings coverage of net charge-offs (x)5.2044%2,684
Efficiency ratio52.6095%6,937
Assets per employee ($millions)3.9255%3,951
Cash dividends to net income (ytd only)*71.9390%1,136
Condition Ratios (%)
Loss allowance to loans1.2211%5,409
Loan loss allowance to noncurrent loans95.6223%3,006
Noncurrent assets plus other real estate owned to assets2.2505%3,027
Noncurrent loans to loans1.2770%4,581
Net loans and leases to total assets79.1585%776
Net loans and leases to deposits91.0105%1,398
Net loans and leases to core deposits100.8596%1,548
Total domestic deposits to total assets86.9773%2,831
Equity capital to assets10.6307%3,037
Core capital (leverage) ratio10.6195%2,444
Tier 1 risk-based capital ratio12.7115%4,854
Total risk-based capital ratio13.8834%4,891
Memoranda:
Average total assets$116,073,2004,572
Average earning assets$96,023,8004,826
Average equity$11,893,0004,640
Average total loans$92,923,2003,983
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1235%728
Cost of funding earning assets1.4186%3,461
Net interest margin4.7049%839
Noninterest income to average assets0.6859%2,903
Noninterest expense to average assets2.2658%6,419
Loan and lease loss provision to assets0.0800%6,246
Net operating income to assets2.2223%230
Return on assets (ROA)2.2223%245
Pretax return on assets2.2338%381
Return on Equity (ROE)21.8900%203
Retained earnings to average equity (ytd only)6.0130%2,348
Net charge-offs to loans0.0329%6,230
Credit loss provision to net charge-offs304.3478%1,048
Earnings coverage of net charge-offs (x)87.9883%350
Efficiency ratio49.4758%7,184
Assets per employee ($millions)3.8391%4,165
Cash dividends to net income (ytd only)*72.5306%838
Condition Ratios (%)
Loss allowance to loans1.2943%4,999
Loan loss allowance to noncurrent loans46.3328%5,199
Noncurrent assets plus other real estate owned to assets3.5335%2,015
Noncurrent loans to loans2.7935%2,854
Net loans and leases to total assets80.4839%668
Net loans and leases to deposits93.3075%1,277
Net loans and leases to core deposits105.0653%1,395
Total domestic deposits to total assets86.2567%2,944
Equity capital to assets10.8601%3,099
Core capital (leverage) ratio10.6171%2,584
Tier 1 risk-based capital ratio12.6931%4,819
Total risk-based capital ratio13.9332%4,812
Memoranda:
Average total assets$116,631,5004,625
Average earning assets$96,522,0004,871
Average equity$11,840,7504,725
Average total loans$93,347,0004,043
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1209%728
Cost of funding earning assets1.4913%3,300
Net interest margin4.6297%933
Noninterest income to average assets0.6047%3,308
Noninterest expense to average assets2.2619%6,469
Loan and lease loss provision to assets0.0507%6,462
Net operating income to assets2.0930%282
Return on assets (ROA)2.0930%306
Pretax return on assets2.1048%485
Return on Equity (ROE)21.0762%255
Retained earnings to average equity (ytd only)10.1894%803
Net charge-offs to loans-0.0042%7,098
Credit loss provision to net charge-offs-1,500.0000%6,940
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2046%7,133
Assets per employee ($millions)3.9545%3,857
Cash dividends to net income (ytd only)*51.6546%1,610
Condition Ratios (%)
Loss allowance to loans1.2605%5,131
Loan loss allowance to noncurrent loans47.7956%5,109
Noncurrent assets plus other real estate owned to assets3.3353%2,112
Noncurrent loans to loans2.6372%3,002
Net loans and leases to total assets79.2354%911
Net loans and leases to deposits91.4901%1,615
Net loans and leases to core deposits103.4448%1,689
Total domestic deposits to total assets86.6055%2,750
Equity capital to assets10.5763%3,313
Core capital (leverage) ratio9.8026%3,396
Tier 1 risk-based capital ratio12.4867%4,874
Total risk-based capital ratio13.6845%4,897
Memoranda:
Average total assets$118,397,3304,608
Average earning assets$97,501,3304,888
Average equity$11,757,3304,743
Average total loans$94,202,3304,056
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0577%869
Cost of funding earning assets1.5175%3,439
Net interest margin4.5403%1,063
Noninterest income to average assets0.5688%3,499
Noninterest expense to average assets2.0290%7,107
Loan and lease loss provision to assets0.0499%6,162
Net operating income to assets2.2120%247
Return on assets (ROA)2.2120%274
Pretax return on assets2.2219%404
Return on Equity (ROE)22.9875%232
Retained earnings to average equity (ytd only)2.2469%4,786
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.1771%7,492
Assets per employee ($millions)4.3402%3,223
Cash dividends to net income (ytd only)*90.2256%689
Condition Ratios (%)
Loss allowance to loans1.2243%5,368
Loan loss allowance to noncurrent loans25.1154%6,733
Noncurrent assets plus other real estate owned to assets4.9577%1,304
Noncurrent loans to loans4.8746%1,497
Net loans and leases to total assets73.2668%2,133
Net loans and leases to deposits83.8315%2,965
Net loans and leases to core deposits93.5236%2,902
Total domestic deposits to total assets87.3977%2,414
Equity capital to assets9.2042%4,984
Core capital (leverage) ratio9.5343%3,715
Tier 1 risk-based capital ratio11.5541%5,626
Total risk-based capital ratio12.6827%5,708
Memoranda:
Average total assets$120,255,5004,621
Average earning assets$98,849,0004,908
Average equity$11,571,5004,825
Average total loans$95,289,5004,091
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5013%670
Cost of funding earning assets1.8170%3,901
Net interest margin4.6844%861
Noninterest income to average assets0.6505%3,289
Noninterest expense to average assets2.6472%5,604
Loan and lease loss provision to assets0.3134%4,938
Net operating income to assets1.8029%359
Return on assets (ROA)1.8029%376
Pretax return on assets1.8090%625
Return on Equity (ROE)17.8760%379
Retained earnings to average equity (ytd only)3.5925%2,667
Net charge-offs to loans0.3630%4,411
Credit loss provision to net charge-offs102.5714%5,383
Earnings coverage of net charge-offs (x)6.9457%2,257
Efficiency ratio55.5006%7,069
Assets per employee ($millions)3.9533%3,910
Cash dividends to net income (ytd only)*79.9031%1,189
Condition Ratios (%)
Loss allowance to loans1.1603%5,584
Loan loss allowance to noncurrent loans1,880.0000%212
Noncurrent assets plus other real estate owned to assets1.5491%4,054
Noncurrent loans to loans0.0617%7,271
Net loans and leases to total assets83.8153%454
Net loans and leases to deposits97.7657%1,128
Net loans and leases to core deposits133.6291%1,078
Total domestic deposits to total assets85.7307%3,149
Equity capital to assets10.0816%3,647
Core capital (leverage) ratio9.8540%3,266
Tier 1 risk-based capital ratio11.4239%5,479
Total risk-based capital ratio12.5311%5,586
Memoranda:
Average total assets$114,536,0004,705
Average earning assets$100,718,0004,826
Average equity$11,551,8004,861
Average total loans$96,420,0004,052
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5030%740
Cost of funding earning assets1.8724%4,034
Net interest margin4.6306%939
Noninterest income to average assets0.7557%2,677
Noninterest expense to average assets2.2682%6,788
Loan and lease loss provision to assets0.1979%5,408
Net operating income to assets2.3404%141
Return on assets (ROA)2.3404%155
Pretax return on assets2.3555%258
Return on Equity (ROE)23.2024%164
Retained earnings to average equity (ytd only)7.0415%1,488
Net charge-offs to loans0.4005%3,661
Credit loss provision to net charge-offs58.8235%6,191
Earnings coverage of net charge-offs (x)7.5883%2,384
Efficiency ratio47.0418%7,717
Assets per employee ($millions)4.0400%3,652
Cash dividends to net income (ytd only)*69.6518%1,276
Condition Ratios (%)
Loss allowance to loans1.0408%6,060
Loan loss allowance to noncurrent loans55.8036%4,621
Noncurrent assets plus other real estate owned to assets3.2824%2,062
Noncurrent loans to loans1.8651%3,817
Net loans and leases to total assets84.0531%533
Net loans and leases to deposits98.9479%1,217
Net loans and leases to core deposits133.3576%1,249
Total domestic deposits to total assets84.9468%3,263
Equity capital to assets10.4333%3,582
Core capital (leverage) ratio10.1712%3,092
Tier 1 risk-based capital ratio11.7942%5,156
Total risk-based capital ratio12.7891%5,345
Memoranda:
Average total assets$114,508,7504,728
Average earning assets$100,545,5004,849
Average equity$11,550,2504,911
Average total loans$96,220,5004,077
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4131%978
Cost of funding earning assets1.9606%3,957
Net interest margin4.4526%1,283
Noninterest income to average assets0.7845%2,489
Noninterest expense to average assets2.2284%6,977
Loan and lease loss provision to assets0.1166%5,973
Net operating income to assets2.3153%156
Return on assets (ROA)2.3153%172
Pretax return on assets2.3310%285
Return on Equity (ROE)23.2158%187
Retained earnings to average equity (ytd only)10.1340%709
Net charge-offs to loans0.0873%5,329
Credit loss provision to net charge-offs159.5238%2,879
Earnings coverage of net charge-offs (x)33.5000%924
Efficiency ratio47.6563%7,770
Assets per employee ($millions)4.0331%3,617
Cash dividends to net income (ytd only)*56.3486%1,813
Condition Ratios (%)
Loss allowance to loans1.1754%5,109
Loan loss allowance to noncurrent loans45.2890%5,346
Noncurrent assets plus other real estate owned to assets2.9595%2,157
Noncurrent loans to loans2.5953%2,792
Net loans and leases to total assets85.1744%481
Net loans and leases to deposits100.2449%1,268
Net loans and leases to core deposits131.8221%1,443
Total domestic deposits to total assets84.9663%3,280
Equity capital to assets10.3997%3,515
Core capital (leverage) ratio10.1985%3,095
Tier 1 risk-based capital ratio11.7721%5,130
Total risk-based capital ratio12.9129%5,164
Memoranda:
Average total assets$114,972,0004,753
Average earning assets$100,481,3304,880
Average equity$11,466,3304,960
Average total loans$96,267,3304,107
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4924%878
Cost of funding earning assets2.0960%3,673
Net interest margin4.3964%1,347
Noninterest income to average assets0.7587%2,550
Noninterest expense to average assets2.0828%7,158
Loan and lease loss provision to assets0.1517%4,986
Net operating income to assets2.2932%193
Return on assets (ROA)2.2932%229
Pretax return on assets2.3070%358
Return on Equity (ROE)23.4827%239
Retained earnings to average equity (ytd only)7.5921%1,984
Net charge-offs to loans0.1504%3,758
Credit loss provision to net charge-offs122.2222%3,230
Earnings coverage of net charge-offs (x)19.8056%1,406
Efficiency ratio45.8618%7,847
Assets per employee ($millions)4.2944%3,086
Cash dividends to net income (ytd only)*67.6692%1,321
Condition Ratios (%)
Loss allowance to loans1.1900%4,871
Loan loss allowance to noncurrent loans247.6923%1,354
Noncurrent assets plus other real estate owned to assets1.0970%4,491
Noncurrent loans to loans0.4804%6,223
Net loans and leases to total assets80.7079%1,255
Net loans and leases to deposits95.2400%2,074
Net loans and leases to core deposits121.2192%2,314
Total domestic deposits to total assets84.7416%3,333
Equity capital to assets9.8388%4,196
Core capital (leverage) ratio9.6988%3,761
Tier 1 risk-based capital ratio11.5921%5,316
Total risk-based capital ratio12.7488%5,313
Memoranda:
Average total assets$115,995,0004,754
Average earning assets$99,808,5004,921
Average equity$11,327,5005,023
Average total loans$95,737,0004,157
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0200%1,081
Cost of funding earning assets2.8447%2,501
Net interest margin4.1753%2,413
Noninterest income to average assets0.7083%3,070
Noninterest expense to average assets2.2666%6,795
Loan and lease loss provision to assets0.5008%2,806
Net operating income to assets1.6337%783
Return on assets (ROA)1.6337%741
Pretax return on assets1.6514%1,258
Return on Equity (ROE)17.0094%633
Retained earnings to average equity (ytd only)5.4729%1,776
Net charge-offs to loans0.2639%3,643
Credit loss provision to net charge-offs226.0000%2,106
Earnings coverage of net charge-offs (x)9.7120%2,646
Efficiency ratio51.2939%7,564
Assets per employee ($millions)4.1443%3,222
Cash dividends to net income (ytd only)*67.8242%2,284
Condition Ratios (%)
Loss allowance to loans1.1564%4,870
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7066%5,114
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets82.4260%1,145
Net loans and leases to deposits97.1638%2,261
Net loans and leases to core deposits122.8588%2,409
Total domestic deposits to total assets84.8321%2,921
Equity capital to assets9.6923%4,431
Core capital (leverage) ratio9.5259%3,980
Tier 1 risk-based capital ratio11.2424%5,495
Total risk-based capital ratio12.3779%5,497
Memoranda:
Average total assets$112,812,6004,698
Average earning assets$100,255,8004,797
Average equity$10,835,2005,173
Average total loans$94,724,4004,088