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Tri-County Bank & Trust Company, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8768%3,321
Cost of funding earning assets2.2609%1,291
Net interest margin2.6159%3,933
Noninterest income to average assets0.3100%2,795
Noninterest expense to average assets2.3651%2,666
Loan and lease loss provision to assets0.0800%1,535
Net operating income to assets0.3034%3,855
Return on assets (ROA)0.3034%3,881
Pretax return on assets0.3349%3,901
Return on Equity (ROE)4.1100%3,710
Retained earnings to average equity (ytd only)4.1093%2,835
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio85.0025%693
Assets per employee ($millions)7.0962%2,152
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans1.3232%1,602
Loan loss allowance to noncurrent loans412.0640%1,323
Noncurrent assets plus other real estate owned to assets0.2365%2,346
Noncurrent loans to loans0.3211%2,349
Net loans and leases to total assets72.6700%1,508
Net loans and leases to deposits88.7886%1,226
Net loans and leases to core deposits97.5814%1,522
Total domestic deposits to total assets81.8400%3,339
Equity capital to assets7.5468%3,827
Core capital (leverage) ratio9.5248%3,258
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,736
Memoranda:
Average total assets$291,400,5002,519
Average earning assets$274,933,5002,500
Average equity$21,512,0002,921
Average total loans$215,839,5002,308
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9321%3,211
Cost of funding earning assets2.3701%1,418
Net interest margin2.5621%3,829
Noninterest income to average assets0.3300%2,878
Noninterest expense to average assets2.3391%2,756
Loan and lease loss provision to assets0.1000%1,394
Net operating income to assets0.2685%3,886
Return on assets (ROA)0.2685%3,917
Pretax return on assets0.3112%3,916
Return on Equity (ROE)3.8300%3,726
Retained earnings to average equity (ytd only)2.8900%3,089
Net charge-offs to loans-0.0027%3,819
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio85.0473%733
Assets per employee ($millions)7.4835%1,852
Cash dividends to net income (ytd only)*24.4720%2,799
Condition Ratios (%)
Loss allowance to loans1.2896%1,718
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets73.5400%1,467
Net loans and leases to deposits91.6741%1,066
Net loans and leases to core deposits98.4974%1,549
Total domestic deposits to total assets80.2200%3,538
Equity capital to assets7.2183%3,879
Core capital (leverage) ratio9.1677%3,556
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,791
Memoranda:
Average total assets$299,816,6002,462
Average earning assets$283,284,6002,432
Average equity$21,038,4002,897
Average total loans$219,454,0002,245
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8645%3,264
Cost of funding earning assets2.3474%1,444
Net interest margin2.5171%3,868
Noninterest income to average assets0.3300%2,850
Noninterest expense to average assets2.3736%2,597
Loan and lease loss provision to assets0.1100%1,157
Net operating income to assets0.2302%3,959
Return on assets (ROA)0.2302%3,990
Pretax return on assets0.2266%4,037
Return on Equity (ROE)3.3000%3,839
Retained earnings to average equity (ytd only)2.6753%3,276
Net charge-offs to loans-0.0042%3,826
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio87.4939%639
Assets per employee ($millions)7.4173%1,857
Cash dividends to net income (ytd only)*19.0019%2,574
Condition Ratios (%)
Loss allowance to loans1.2464%1,963
Loan loss allowance to noncurrent loans2,486.4865%356
Noncurrent assets plus other real estate owned to assets0.0356%3,489
Noncurrent loans to loans0.0501%3,447
Net loans and leases to total assets70.2000%1,826
Net loans and leases to deposits88.5737%1,378
Net loans and leases to core deposits100.0723%1,474
Total domestic deposits to total assets79.2500%3,578
Equity capital to assets7.1381%4,096
Core capital (leverage) ratio8.9824%3,762
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,827
Memoranda:
Average total assets$301,807,0002,450
Average earning assets$285,352,2502,424
Average equity$21,031,2502,899
Average total loans$219,961,0002,235
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8289%3,229
Cost of funding earning assets2.2978%1,443
Net interest margin2.5311%3,837
Noninterest income to average assets0.3400%2,750
Noninterest expense to average assets2.3693%2,608
Loan and lease loss provision to assets0.1200%978
Net operating income to assets0.2391%3,939
Return on assets (ROA)0.2391%3,979
Pretax return on assets0.2371%4,017
Return on Equity (ROE)3.4600%3,815
Retained earnings to average equity (ytd only)2.5013%3,180
Net charge-offs to loans-0.0018%3,615
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio86.8828%716
Assets per employee ($millions)7.4050%1,798
Cash dividends to net income (ytd only)*27.7311%2,284
Condition Ratios (%)
Loss allowance to loans1.2084%2,203
Loan loss allowance to noncurrent loans1,396.3351%591
Noncurrent assets plus other real estate owned to assets0.0629%3,230
Noncurrent loans to loans0.0865%3,225
Net loans and leases to total assets71.8200%1,672
Net loans and leases to deposits90.5521%1,253
Net loans and leases to core deposits101.8873%1,374
Total domestic deposits to total assets79.3100%3,547
Equity capital to assets6.8111%4,007
Core capital (leverage) ratio9.0916%3,654
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$298,567,3332,461
Average earning assets$282,092,0002,432
Average equity$20,629,3332,889
Average total loans$219,466,6672,221
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7583%3,225
Cost of funding earning assets2.2933%1,350
Net interest margin2.4650%3,917
Noninterest income to average assets0.3200%2,808
Noninterest expense to average assets2.3185%2,741
Loan and lease loss provision to assets0.1200%864
Net operating income to assets0.2148%3,954
Return on assets (ROA)0.2148%3,990
Pretax return on assets0.2040%4,031
Return on Equity (ROE)3.0900%3,835
Retained earnings to average equity (ytd only)3.0867%2,958
Net charge-offs to loans-0.0037%3,641
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio87.6852%696
Assets per employee ($millions)7.8462%1,544
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.1613%2,478
Loan loss allowance to noncurrent loans124.2044%2,938
Noncurrent assets plus other real estate owned to assets0.6956%889
Noncurrent loans to loans0.9350%933
Net loans and leases to total assets73.5300%1,398
Net loans and leases to deposits92.4492%997
Net loans and leases to core deposits102.5210%1,266
Total domestic deposits to total assets79.5400%3,595
Equity capital to assets6.8726%3,948
Core capital (leverage) ratio9.1705%3,531
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$296,047,5002,484
Average earning assets$279,594,5002,454
Average equity$20,604,5002,905
Average total loans$218,845,0002,231
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3617%3,341
Cost of funding earning assets1.5429%1,830
Net interest margin2.8188%3,628
Noninterest income to average assets0.3500%2,791
Noninterest expense to average assets2.3610%2,696
Loan and lease loss provision to assets0.1900%662
Net operating income to assets0.4141%3,838
Return on assets (ROA)0.4141%3,838
Pretax return on assets0.4612%3,879
Return on Equity (ROE)5.7600%3,575
Retained earnings to average equity (ytd only)3.5643%3,101
Net charge-offs to loans-0.0125%4,031
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio78.3224%1,042
Assets per employee ($millions)8.3983%1,228
Cash dividends to net income (ytd only)*38.1498%2,198
Condition Ratios (%)
Loss allowance to loans1.1511%2,541
Loan loss allowance to noncurrent loans2,561.8557%438
Noncurrent assets plus other real estate owned to assets0.0330%3,421
Noncurrent loans to loans0.0449%3,396
Net loans and leases to total assets72.6000%1,514
Net loans and leases to deposits90.8113%1,205
Net loans and leases to core deposits93.6739%1,792
Total domestic deposits to total assets79.9400%3,471
Equity capital to assets7.0484%3,917
Core capital (leverage) ratio9.4063%3,333
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$274,079,6002,556
Average earning assets$259,186,4002,525
Average equity$19,695,4002,882
Average total loans$191,873,2002,349
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2072%3,453
Cost of funding earning assets1.3510%2,000
Net interest margin2.8562%3,629
Noninterest income to average assets0.3700%2,673
Noninterest expense to average assets2.3499%2,656
Loan and lease loss provision to assets0.1300%897
Net operating income to assets0.5153%3,731
Return on assets (ROA)0.5153%3,722
Pretax return on assets0.5950%3,740
Return on Equity (ROE)7.1300%3,394
Retained earnings to average equity (ytd only)6.0562%2,609
Net charge-offs to loans-0.0244%4,184
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio76.5123%1,130
Assets per employee ($millions)7.8167%1,442
Cash dividends to net income (ytd only)*15.0962%2,643
Condition Ratios (%)
Loss allowance to loans1.0666%3,035
Loan loss allowance to noncurrent loans11,120.0000%121
Noncurrent assets plus other real estate owned to assets0.0069%3,789
Noncurrent loans to loans0.0096%3,727
Net loans and leases to total assets71.3300%1,655
Net loans and leases to deposits90.3159%1,212
Net loans and leases to core deposits94.8047%1,630
Total domestic deposits to total assets78.9800%3,702
Equity capital to assets6.5964%3,798
Core capital (leverage) ratio9.7892%3,008
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$269,114,5002,585
Average earning assets$254,318,2502,553
Average equity$19,439,7502,896
Average total loans$185,872,0002,391
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0497%3,587
Cost of funding earning assets1.1535%2,124
Net interest margin2.8962%3,649
Noninterest income to average assets0.3900%2,505
Noninterest expense to average assets2.3932%2,509
Loan and lease loss provision to assets0.1100%1,039
Net operating income to assets0.5366%3,735
Return on assets (ROA)0.5366%3,740
Pretax return on assets0.6219%3,754
Return on Equity (ROE)7.2000%3,442
Retained earnings to average equity (ytd only)5.5930%2,754
Net charge-offs to loans-0.0011%3,453
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio76.4735%1,132
Assets per employee ($millions)7.7197%1,459
Cash dividends to net income (ytd only)*22.3011%2,362
Condition Ratios (%)
Loss allowance to loans1.0701%3,087
Loan loss allowance to noncurrent loans7,193.1034%192
Noncurrent assets plus other real estate owned to assets0.0104%3,743
Noncurrent loans to loans0.0149%3,666
Net loans and leases to total assets69.3900%1,808
Net loans and leases to deposits83.3763%1,731
Net loans and leases to core deposits87.3088%1,982
Total domestic deposits to total assets83.2300%2,994
Equity capital to assets7.1084%3,733
Core capital (leverage) ratio10.0490%2,702
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$262,413,0002,621
Average earning assets$247,768,6672,597
Average equity$19,560,3332,902
Average total loans$178,322,6672,461
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8919%3,688
Cost of funding earning assets0.9359%2,257
Net interest margin2.9560%3,685
Noninterest income to average assets0.2900%3,144
Noninterest expense to average assets2.4707%2,321
Loan and lease loss provision to assets0.1200%916
Net operating income to assets0.4429%4,014
Return on assets (ROA)0.4429%3,967
Pretax return on assets0.4932%3,999
Return on Equity (ROE)5.8000%3,760
Retained earnings to average equity (ytd only)5.7956%2,825
Net charge-offs to loans-0.0047%3,616
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio80.1733%818
Assets per employee ($millions)6.8923%2,051
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1272%2,919
Loan loss allowance to noncurrent loans2,286.3636%528
Noncurrent assets plus other real estate owned to assets0.0336%3,443
Noncurrent loans to loans0.0493%3,388
Net loans and leases to total assets67.3900%1,912
Net loans and leases to deposits77.0820%2,029
Net loans and leases to core deposits81.8396%2,130
Total domestic deposits to total assets87.4200%2,123
Equity capital to assets7.5439%3,540
Core capital (leverage) ratio10.5946%2,155
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$254,665,0002,697
Average earning assets$240,188,5002,670
Average equity$19,463,0002,938
Average total loans$170,018,0002,544
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4314%3,267
Cost of funding earning assets0.2595%3,244
Net interest margin3.1719%2,956
Noninterest income to average assets0.3000%3,332
Noninterest expense to average assets2.9061%1,116
Loan and lease loss provision to assets0.1300%938
Net operating income to assets0.2651%4,402
Return on assets (ROA)0.2567%4,387
Pretax return on assets0.2504%4,407
Return on Equity (ROE)2.8100%4,314
Retained earnings to average equity (ytd only)1.0033%4,197
Net charge-offs to loans-0.1065%4,525
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio88.3162%349
Assets per employee ($millions)7.2772%1,771
Cash dividends to net income (ytd only)*64.2741%820
Condition Ratios (%)
Loss allowance to loans0.9632%3,555
Loan loss allowance to noncurrent loans909.9415%1,064
Noncurrent assets plus other real estate owned to assets0.0691%3,103
Noncurrent loans to loans0.1059%3,008
Net loans and leases to total assets64.6600%2,179
Net loans and leases to deposits72.6282%2,359
Net loans and leases to core deposits74.8926%2,503
Total domestic deposits to total assets89.0300%1,710
Equity capital to assets7.7470%3,220
Core capital (leverage) ratio10.8005%1,949
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$238,771,6002,787
Average earning assets$225,041,4002,771
Average equity$21,827,6002,785
Average total loans$143,710,2002,694
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3053%3,162
Cost of funding earning assets0.2008%3,261
Net interest margin3.1044%2,923
Noninterest income to average assets0.2800%3,503
Noninterest expense to average assets2.8150%1,222
Loan and lease loss provision to assets0.1300%800
Net operating income to assets0.2756%4,408
Return on assets (ROA)0.2643%4,383
Pretax return on assets0.2587%4,415
Return on Equity (ROE)2.7800%4,328
Retained earnings to average equity (ytd only)1.6123%4,117
Net charge-offs to loans-0.1579%4,597
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio87.6470%395
Assets per employee ($millions)6.0822%2,686
Cash dividends to net income (ytd only)*42.0043%1,497
Condition Ratios (%)
Loss allowance to loans0.9662%3,629
Loan loss allowance to noncurrent loans697.1963%1,256
Noncurrent assets plus other real estate owned to assets0.0902%3,034
Noncurrent loans to loans0.1386%2,939
Net loans and leases to total assets64.4700%2,042
Net loans and leases to deposits72.2025%2,188
Net loans and leases to core deposits74.6684%2,300
Total domestic deposits to total assets89.3000%1,958
Equity capital to assets8.2393%2,722
Core capital (leverage) ratio11.1387%1,637
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$236,582,2502,827
Average earning assets$223,072,2502,804
Average equity$22,492,5002,776
Average total loans$139,336,7502,736
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1332%3,232
Cost of funding earning assets0.1414%3,691
Net interest margin2.9918%2,906
Noninterest income to average assets0.2657%3,582
Noninterest expense to average assets2.6340%1,543
Loan and lease loss provision to assets0.1269%770
Net operating income to assets0.3241%4,246
Return on assets (ROA)0.3241%4,198
Pretax return on assets0.3334%4,252
Return on Equity (ROE)3.2630%4,178
Retained earnings to average equity (ytd only)1.5846%3,859
Net charge-offs to loans-0.2427%4,620
Credit loss provision to net charge-offs-92.0245%3,098
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1244%618
Assets per employee ($millions)6.3684%2,418
Cash dividends to net income (ytd only)*51.4360%1,301
Condition Ratios (%)
Loss allowance to loans0.9584%3,771
Loan loss allowance to noncurrent loans1,088.4615%888
Noncurrent assets plus other real estate owned to assets0.0537%3,444
Noncurrent loans to loans0.0881%3,333
Net loans and leases to total assets60.4228%2,282
Net loans and leases to deposits68.2891%2,364
Net loans and leases to core deposits70.3454%2,468
Total domestic deposits to total assets88.4809%2,391
Equity capital to assets8.2943%2,913
Core capital (leverage) ratio11.4691%1,349
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$236,374,3332,847
Average earning assets$223,476,3332,832
Average equity$23,475,3332,781
Average total loans$134,306,6672,804
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0443%3,125
Cost of funding earning assets0.1442%3,576
Net interest margin2.9001%2,837
Noninterest income to average assets0.2586%3,587
Noninterest expense to average assets2.4867%1,912
Loan and lease loss provision to assets0.1284%641
Net operating income to assets0.3648%4,031
Return on assets (ROA)0.3648%3,995
Pretax return on assets0.3990%4,035
Return on Equity (ROE)3.3840%4,014
Retained earnings to average equity (ytd only)3.3840%3,145
Net charge-offs to loans-0.3290%4,671
Credit loss provision to net charge-offs-71.4286%2,852
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.5000%945
Assets per employee ($millions)5.9921%2,822
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.9533%3,895
Loan loss allowance to noncurrent loans466.1818%1,560
Noncurrent assets plus other real estate owned to assets0.1177%2,993
Noncurrent loans to loans0.2045%2,801
Net loans and leases to total assets56.9947%2,420
Net loans and leases to deposits63.5264%2,569
Net loans and leases to core deposits65.9340%2,632
Total domestic deposits to total assets89.7181%1,707
Equity capital to assets10.1963%1,761
Core capital (leverage) ratio11.4587%1,276
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$233,562,5002,876
Average earning assets$221,921,5002,851
Average equity$25,177,0002,758
Average total loans$127,641,5002,872
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0374%3,801
Cost of funding earning assets0.2481%2,954
Net interest margin2.7893%3,687
Noninterest income to average assets0.2896%3,659
Noninterest expense to average assets2.5728%1,946
Loan and lease loss provision to assets0.1263%973
Net operating income to assets0.2321%4,503
Return on assets (ROA)0.2870%4,462
Pretax return on assets0.2957%4,497
Return on Equity (ROE)2.4362%4,448
Retained earnings to average equity (ytd only)0.1035%4,458
Net charge-offs to loans0.2538%358
Credit loss provision to net charge-offs99.6564%1,820
Earnings coverage of net charge-offs (x)2.8832%2,567
Efficiency ratio87.5648%404
Assets per employee ($millions)5.9855%2,788
Cash dividends to net income (ytd only)*95.7511%261
Condition Ratios (%)
Loss allowance to loans0.9122%4,030
Loan loss allowance to noncurrent loans236.9892%2,368
Noncurrent assets plus other real estate owned to assets0.1992%2,568
Noncurrent loans to loans0.3849%2,210
Net loans and leases to total assets51.2809%3,140
Net loans and leases to deposits57.9098%3,266
Net loans and leases to core deposits59.9701%3,315
Total domestic deposits to total assets88.5531%1,762
Equity capital to assets11.2901%1,611
Core capital (leverage) ratio11.3187%1,386
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$229,631,0002,848
Average earning assets$218,046,8002,827
Average equity$27,050,0002,720
Average total loans$114,667,4002,998
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1152%3,777
Cost of funding earning assets0.2670%2,934
Net interest margin2.8483%3,663
Noninterest income to average assets0.2851%3,741
Noninterest expense to average assets2.6009%1,832
Loan and lease loss provision to assets0.1255%930
Net operating income to assets0.2442%4,581
Return on assets (ROA)0.3154%4,521
Pretax return on assets0.3341%4,564
Return on Equity (ROE)2.6496%4,511
Retained earnings to average equity (ytd only)1.1068%4,395
Net charge-offs to loans0.4643%166
Credit loss provision to net charge-offs54.5685%1,832
Earnings coverage of net charge-offs (x)1.6701%2,370
Efficiency ratio87.1459%392
Assets per employee ($millions)6.0442%2,650
Cash dividends to net income (ytd only)*58.2255%899
Condition Ratios (%)
Loss allowance to loans0.7788%4,386
Loan loss allowance to noncurrent loans333.5740%1,835
Noncurrent assets plus other real estate owned to assets0.1206%3,316
Noncurrent loans to loans0.2335%3,004
Net loans and leases to total assets51.2517%3,278
Net loans and leases to deposits58.3539%3,375
Net loans and leases to core deposits60.6506%3,431
Total domestic deposits to total assets87.8292%1,943
Equity capital to assets11.8826%1,454
Core capital (leverage) ratio11.5506%1,345
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,680,2502,884
Average earning assets$216,735,5002,861
Average equity$27,223,7502,728
Average total loans$113,132,0003,062
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1579%3,754
Cost of funding earning assets0.2781%3,006
Net interest margin2.8798%3,624
Noninterest income to average assets0.2855%3,714
Noninterest expense to average assets2.4445%2,327
Loan and lease loss provision to assets0.1226%1,023
Net operating income to assets0.4147%4,360
Return on assets (ROA)0.4528%4,339
Pretax return on assets0.5194%4,358
Return on Equity (ROE)3.8013%4,364
Retained earnings to average equity (ytd only)1.4852%4,242
Net charge-offs to loans0.2246%387
Credit loss provision to net charge-offs112.0000%1,299
Earnings coverage of net charge-offs (x)5.4640%1,994
Efficiency ratio80.3397%763
Assets per employee ($millions)5.8991%2,714
Cash dividends to net income (ytd only)*60.9284%899
Condition Ratios (%)
Loss allowance to loans0.9145%4,117
Loan loss allowance to noncurrent loans1,397.5000%567
Noncurrent assets plus other real estate owned to assets0.0348%4,020
Noncurrent loans to loans0.0654%3,864
Net loans and leases to total assets52.6534%3,285
Net loans and leases to deposits59.8719%3,399
Net loans and leases to core deposits62.1866%3,444
Total domestic deposits to total assets87.9434%1,860
Equity capital to assets11.8097%1,456
Core capital (leverage) ratio11.5986%1,261
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,347,0002,889
Average earning assets$218,629,6672,839
Average equity$27,201,0002,726
Average total loans$111,296,3333,111
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6140%4,563
Cost of funding earning assets0.2915%3,086
Net interest margin2.3226%4,504
Noninterest income to average assets0.2737%3,763
Noninterest expense to average assets2.5963%1,897
Loan and lease loss provision to assets0.1140%1,208
Net operating income to assets-0.1684%4,826
Return on assets (ROA)-0.0947%4,812
Pretax return on assets-0.1123%4,816
Return on Equity (ROE)-0.7850%4,818
Retained earnings to average equity (ytd only)-0.7850%4,438
Net charge-offs to loans0.5292%153
Credit loss provision to net charge-offs46.4286%1,323
Earnings coverage of net charge-offs (x)-0.3500%1,898
Efficiency ratio103.4242%157
Assets per employee ($millions)5.7207%2,889
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9244%4,089
Loan loss allowance to noncurrent loans574.3017%1,057
Noncurrent assets plus other real estate owned to assets0.0782%3,825
Noncurrent loans to loans0.1610%3,530
Net loans and leases to total assets48.1477%3,804
Net loans and leases to deposits54.8680%3,881
Net loans and leases to core deposits56.7575%3,925
Total domestic deposits to total assets87.7520%1,978
Equity capital to assets11.9211%1,325
Core capital (leverage) ratio11.5440%1,387
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$228,012,5002,879
Average earning assets$219,585,5002,824
Average equity$27,517,0002,699
Average total loans$105,816,0003,191
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1765%4,479
Cost of funding earning assets0.3840%3,680
Net interest margin2.7925%4,275
Noninterest income to average assets0.2889%3,756
Noninterest expense to average assets2.4832%2,899
Loan and lease loss provision to assets0.1304%2,730
Net operating income to assets0.3443%4,366
Return on assets (ROA)0.4491%4,223
Pretax return on assets0.4985%4,274
Return on Equity (ROE)3.5347%4,261
Retained earnings to average equity (ytd only)0.6417%4,331
Net charge-offs to loans-0.0061%4,177
Credit loss provision to net charge-offs-4,666.6667%4,316
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.8927%699
Assets per employee ($millions)5.9788%2,350
Cash dividends to net income (ytd only)*81.8465%589
Condition Ratios (%)
Loss allowance to loans1.0983%3,468
Loan loss allowance to noncurrent loans89.2395%3,476
Noncurrent assets plus other real estate owned to assets0.5440%1,923
Noncurrent loans to loans1.2307%1,129
Net loans and leases to total assets43.7178%4,265
Net loans and leases to deposits50.0617%4,316
Net loans and leases to core deposits51.6884%4,356
Total domestic deposits to total assets87.3277%1,779
Equity capital to assets12.2163%1,472
Core capital (leverage) ratio11.8918%1,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$214,643,0002,831
Average earning assets$208,060,2002,756
Average equity$27,272,8002,658
Average total loans$97,697,8003,266
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3623%4,400
Cost of funding earning assets0.4038%3,791
Net interest margin2.9585%4,071
Noninterest income to average assets0.2862%3,775
Noninterest expense to average assets2.4604%2,962
Loan and lease loss provision to assets0.1291%2,733
Net operating income to assets0.4745%4,101
Return on assets (ROA)0.5661%3,956
Pretax return on assets0.6739%3,960
Return on Equity (ROE)4.4096%4,057
Retained earnings to average equity (ytd only)2.8628%3,575
Net charge-offs to loans-0.0041%4,013
Credit loss provision to net charge-offs-6,833.3333%4,289
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9976%1,038
Assets per employee ($millions)5.1855%3,030
Cash dividends to net income (ytd only)*35.0780%2,134
Condition Ratios (%)
Loss allowance to loans1.0317%3,556
Loan loss allowance to noncurrent loans79.7045%3,572
Noncurrent assets plus other real estate owned to assets0.5905%1,962
Noncurrent loans to loans1.2944%1,142
Net loans and leases to total assets45.1452%4,362
Net loans and leases to deposits52.1641%4,406
Net loans and leases to core deposits54.1554%4,441
Total domestic deposits to total assets86.5446%1,841
Equity capital to assets12.9545%1,202
Core capital (leverage) ratio12.4518%1,138
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$211,504,7502,837
Average earning assets$205,055,7502,770
Average equity$27,152,2502,656
Average total loans$97,015,2503,289
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5697%4,314
Cost of funding earning assets0.4183%3,958
Net interest margin3.1515%3,783
Noninterest income to average assets0.2846%3,757
Noninterest expense to average assets2.4880%2,993
Loan and lease loss provision to assets0.1242%2,787
Net operating income to assets0.6015%3,733
Return on assets (ROA)0.6657%3,614
Pretax return on assets0.8089%3,559
Return on Equity (ROE)5.2018%3,774
Retained earnings to average equity (ytd only)2.8509%3,446
Net charge-offs to loans-0.0021%3,828
Credit loss provision to net charge-offs-13,000.0000%4,246
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4286%1,424
Assets per employee ($millions)5.1700%2,978
Cash dividends to net income (ytd only)*45.1937%1,724
Condition Ratios (%)
Loss allowance to loans0.9331%3,868
Loan loss allowance to noncurrent loans130.5785%2,822
Noncurrent assets plus other real estate owned to assets0.3343%2,970
Noncurrent loans to loans0.7146%2,091
Net loans and leases to total assets46.3517%4,345
Net loans and leases to deposits53.4929%4,399
Net loans and leases to core deposits55.5654%4,444
Total domestic deposits to total assets86.6502%1,754
Equity capital to assets12.9026%1,208
Core capital (leverage) ratio12.5879%1,153
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$209,408,6672,828
Average earning assets$203,208,0002,756
Average equity$26,798,3332,662
Average total loans$96,237,6673,301
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4848%4,642
Cost of funding earning assets0.4416%4,191
Net interest margin3.0432%4,207
Noninterest income to average assets0.2919%3,776
Noninterest expense to average assets2.4988%3,268
Loan and lease loss provision to assets0.1070%2,344
Net operating income to assets0.4379%4,049
Return on assets (ROA)0.4379%4,095
Pretax return on assets0.6500%3,810
Return on Equity (ROE)3.4366%4,108
Retained earnings to average equity (ytd only)3.4366%2,910
Net charge-offs to loans-0.1240%4,862
Credit loss provision to net charge-offs-189.6552%3,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7484%1,481
Assets per employee ($millions)5.1452%2,483
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9613%3,885
Loan loss allowance to noncurrent loans53.3768%4,029
Noncurrent assets plus other real estate owned to assets0.8202%1,647
Noncurrent loans to loans1.8011%837
Net loans and leases to total assets45.1010%4,465
Net loans and leases to deposits51.7876%4,529
Net loans and leases to core deposits53.8939%4,570
Total domestic deposits to total assets87.0885%1,524
Equity capital to assets12.7647%1,574
Core capital (leverage) ratio12.7354%1,324
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$205,542,0002,829
Average earning assets$200,181,5002,738
Average equity$26,189,0002,698
Average total loans$93,558,0003,329
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5660%4,807
Cost of funding earning assets0.4250%4,356
Net interest margin3.1411%4,302
Noninterest income to average assets0.3168%3,803
Noninterest expense to average assets2.2480%4,065
Loan and lease loss provision to assets0.0746%2,500
Net operating income to assets0.9236%3,115
Return on assets (ROA)0.9471%3,108
Pretax return on assets1.0852%3,218
Return on Equity (ROE)7.6441%3,308
Retained earnings to average equity (ytd only)3.9678%2,976
Net charge-offs to loans0.6287%291
Credit loss provision to net charge-offs27.1454%3,290
Earnings coverage of net charge-offs (x)4.1208%3,256
Efficiency ratio66.4910%2,693
Assets per employee ($millions)5.2635%2,278
Cash dividends to net income (ytd only)*48.0935%2,186
Condition Ratios (%)
Loss allowance to loans0.8748%4,067
Loan loss allowance to noncurrent loans54.2137%4,028
Noncurrent assets plus other real estate owned to assets0.7341%1,768
Noncurrent loans to loans1.6136%873
Net loans and leases to total assets45.0985%4,556
Net loans and leases to deposits51.7641%4,609
Net loans and leases to core deposits53.9550%4,650
Total domestic deposits to total assets87.1231%1,549
Equity capital to assets12.7181%1,696
Core capital (leverage) ratio12.0639%1,736
Tier 1 risk-based capital ratio24.9820%750
Total risk-based capital ratio25.7650%769
Memoranda:
Average total assets$207,696,8002,778
Average earning assets$202,607,2002,684
Average equity$25,732,4002,658
Average total loans$90,818,6003,378
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5697%4,907
Cost of funding earning assets0.4127%4,458
Net interest margin3.1570%4,393
Noninterest income to average assets0.3245%3,803
Noninterest expense to average assets2.1891%4,203
Loan and lease loss provision to assets0.0704%2,470
Net operating income to assets0.9416%3,197
Return on assets (ROA)0.9710%3,159
Pretax return on assets1.1809%3,042
Return on Equity (ROE)7.8889%3,361
Retained earnings to average equity (ytd only)6.2508%2,246
Net charge-offs to loans0.3578%474
Credit loss provision to net charge-offs45.4545%2,821
Earnings coverage of net charge-offs (x)7.8471%2,708
Efficiency ratio64.2978%2,958
Assets per employee ($millions)5.4190%2,106
Cash dividends to net income (ytd only)*20.7647%3,009
Condition Ratios (%)
Loss allowance to loans1.2062%2,477
Loan loss allowance to noncurrent loans43.4148%4,279
Noncurrent assets plus other real estate owned to assets1.1700%1,097
Noncurrent loans to loans2.7783%382
Net loans and leases to total assets41.6035%4,762
Net loans and leases to deposits47.6344%4,830
Net loans and leases to core deposits49.6304%4,847
Total domestic deposits to total assets87.3393%1,350
Equity capital to assets12.2851%2,053
Core capital (leverage) ratio12.0325%1,828
Tier 1 risk-based capital ratio24.6896%787
Total risk-based capital ratio25.7252%790
Memoranda:
Average total assets$208,302,2502,792
Average earning assets$203,224,0002,696
Average equity$25,638,7502,671
Average total loans$90,175,0003,435
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5327%4,986
Cost of funding earning assets0.4002%4,509
Net interest margin3.1325%4,481
Noninterest income to average assets0.3212%3,783
Noninterest expense to average assets2.1812%4,267
Loan and lease loss provision to assets0.0633%2,554
Net operating income to assets0.9190%3,211
Return on assets (ROA)0.9198%3,270
Pretax return on assets1.1329%3,142
Return on Equity (ROE)7.4678%3,512
Retained earnings to average equity (ytd only)4.9785%2,781
Net charge-offs to loans0.5612%273
Credit loss provision to net charge-offs25.7937%2,622
Earnings coverage of net charge-offs (x)4.8730%2,704
Efficiency ratio64.6007%3,036
Assets per employee ($millions)5.4798%1,987
Cash dividends to net income (ytd only)*33.3333%2,493
Condition Ratios (%)
Loss allowance to loans1.1511%2,783
Loan loss allowance to noncurrent loans50.4339%4,185
Noncurrent assets plus other real estate owned to assets0.9462%1,472
Noncurrent loans to loans2.2823%573
Net loans and leases to total assets40.9805%4,824
Net loans and leases to deposits46.6377%4,883
Net loans and leases to core deposits48.2798%4,905
Total domestic deposits to total assets87.8700%1,158
Equity capital to assets11.8741%2,285
Core capital (leverage) ratio12.4226%1,578
Tier 1 risk-based capital ratio23.7240%874
Total risk-based capital ratio24.6905%882
Memoranda:
Average total assets$205,483,6702,825
Average earning assets$200,414,6702,733
Average equity$25,308,6702,690
Average total loans$89,806,6703,464
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5444%5,007
Cost of funding earning assets0.3947%4,508
Net interest margin3.1496%4,499
Noninterest income to average assets0.3101%3,794
Noninterest expense to average assets2.3239%3,962
Loan and lease loss provision to assets0.0503%2,648
Net operating income to assets0.7850%3,670
Return on assets (ROA)0.7834%3,722
Pretax return on assets1.0029%3,426
Return on Equity (ROE)6.2366%3,944
Retained earnings to average equity (ytd only)6.2366%2,352
Net charge-offs to loans1.0619%128
Credit loss provision to net charge-offs10.5485%2,178
Earnings coverage of net charge-offs (x)2.2110%2,517
Efficiency ratio68.7723%2,528
Assets per employee ($millions)4.7506%2,849
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.1419%2,901
Loan loss allowance to noncurrent loans98.6473%3,390
Noncurrent assets plus other real estate owned to assets0.5187%2,549
Noncurrent loans to loans1.1575%1,441
Net loans and leases to total assets44.3027%4,735
Net loans and leases to deposits50.8382%4,793
Net loans and leases to core deposits52.8283%4,818
Total domestic deposits to total assets87.1445%1,741
Equity capital to assets12.7242%1,613
Core capital (leverage) ratio12.9378%1,303
Tier 1 risk-based capital ratio24.5480%796
Total risk-based capital ratio25.5335%799
Memoranda:
Average total assets$198,629,5002,915
Average earning assets$193,546,0002,818
Average equity$24,949,5002,718
Average total loans$89,274,0003,505
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5026%4,912
Cost of funding earning assets0.3484%4,288
Net interest margin3.1543%4,568
Noninterest income to average assets0.3454%3,801
Noninterest expense to average assets2.2312%4,270
Loan and lease loss provision to assets0.0308%3,572
Net operating income to assets0.9553%3,199
Return on assets (ROA)0.9545%3,205
Pretax return on assets1.1492%3,100
Return on Equity (ROE)7.7262%3,562
Retained earnings to average equity (ytd only)3.7903%3,488
Net charge-offs to loans0.0046%3,553
Credit loss provision to net charge-offs1,500.0000%276
Earnings coverage of net charge-offs (x)574.5000%192
Efficiency ratio65.3864%2,973
Assets per employee ($millions)4.7080%2,865
Cash dividends to net income (ytd only)*50.9424%1,910
Condition Ratios (%)
Loss allowance to loans1.3833%1,708
Loan loss allowance to noncurrent loans1,245.4545%524
Noncurrent assets plus other real estate owned to assets0.0501%4,597
Noncurrent loans to loans0.1111%4,232
Net loans and leases to total assets44.4532%4,799
Net loans and leases to deposits50.8051%4,862
Net loans and leases to core deposits53.1449%4,873
Total domestic deposits to total assets87.4973%1,541
Equity capital to assets12.3959%1,637
Core capital (leverage) ratio12.5576%1,429
Tier 1 risk-based capital ratio23.3672%872
Total risk-based capital ratio24.5609%859
Memoranda:
Average total assets$194,562,2002,919
Average earning assets$189,173,0002,835
Average equity$24,035,0002,725
Average total loans$87,658,4003,523
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4545%4,973
Cost of funding earning assets0.3355%4,273
Net interest margin3.1189%4,672
Noninterest income to average assets0.3447%3,841
Noninterest expense to average assets2.2624%4,190
Loan and lease loss provision to assets0.0310%3,399
Net operating income to assets0.8268%3,818
Return on assets (ROA)0.8257%3,829
Pretax return on assets1.0817%3,464
Return on Equity (ROE)6.6899%4,039
Retained earnings to average equity (ytd only)4.9338%3,271
Net charge-offs to loans0.0092%3,095
Credit loss provision to net charge-offs750.0000%508
Earnings coverage of net charge-offs (x)269.8263%345
Efficiency ratio67.0063%2,710
Assets per employee ($millions)4.9075%2,589
Cash dividends to net income (ytd only)*26.2500%2,735
Condition Ratios (%)
Loss allowance to loans1.3367%1,934
Loan loss allowance to noncurrent loans1,180.5825%518
Noncurrent assets plus other real estate owned to assets0.0538%4,697
Noncurrent loans to loans0.1132%4,385
Net loans and leases to total assets46.8972%4,759
Net loans and leases to deposits53.7957%4,829
Net loans and leases to core deposits56.4140%4,837
Total domestic deposits to total assets87.1765%1,652
Equity capital to assets12.5497%1,552
Core capital (leverage) ratio12.3351%1,588
Tier 1 risk-based capital ratio22.7831%960
Total risk-based capital ratio23.9473%947
Memoranda:
Average total assets$193,769,2502,946
Average earning assets$188,351,0002,866
Average equity$23,916,0002,745
Average total loans$87,290,0003,560
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3667%5,075
Cost of funding earning assets0.3246%4,242
Net interest margin3.0421%4,818
Noninterest income to average assets0.3433%3,881
Noninterest expense to average assets2.2029%4,359
Loan and lease loss provision to assets0.0308%3,291
Net operating income to assets0.8283%3,758
Return on assets (ROA)0.8275%3,768
Pretax return on assets1.0660%3,450
Return on Equity (ROE)6.7416%3,977
Retained earnings to average equity (ytd only)4.1036%3,555
Net charge-offs to loans0.0139%2,674
Credit loss provision to net charge-offs500.0000%700
Earnings coverage of net charge-offs (x)178.0000%458
Efficiency ratio66.7393%2,860
Assets per employee ($millions)4.9303%2,509
Cash dividends to net income (ytd only)*39.1304%2,172
Condition Ratios (%)
Loss allowance to loans1.3563%1,916
Loan loss allowance to noncurrent loans1,035.3448%573
Noncurrent assets plus other real estate owned to assets0.0588%4,725
Noncurrent loans to loans0.1310%4,319
Net loans and leases to total assets44.2924%4,887
Net loans and leases to deposits50.4960%4,966
Net loans and leases to core deposits52.5420%4,976
Total domestic deposits to total assets87.7147%1,526
Equity capital to assets12.1002%1,785
Core capital (leverage) ratio11.9995%1,715
Tier 1 risk-based capital ratio22.4153%991
Total risk-based capital ratio23.5687%985
Memoranda:
Average total assets$194,562,0002,955
Average earning assets$189,146,6702,862
Average equity$23,881,6702,763
Average total loans$86,062,3303,603
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3062%5,133
Cost of funding earning assets0.3172%4,214
Net interest margin2.9890%4,897
Noninterest income to average assets0.3415%3,865
Noninterest expense to average assets2.2315%4,342
Loan and lease loss provision to assets0.0310%3,099
Net operating income to assets0.7613%3,870
Return on assets (ROA)0.7597%3,873
Pretax return on assets0.9832%3,591
Return on Equity (ROE)6.1446%4,111
Retained earnings to average equity (ytd only)6.1446%2,650
Net charge-offs to loans0.0189%2,125
Credit loss provision to net charge-offs375.0000%709
Earnings coverage of net charge-offs (x)122.7500%517
Efficiency ratio68.7062%2,716
Assets per employee ($millions)4.8447%2,689
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.4012%1,841
Loan loss allowance to noncurrent loans860.8696%669
Noncurrent assets plus other real estate owned to assets0.0712%4,733
Noncurrent loans to loans0.1628%4,249
Net loans and leases to total assets43.1373%4,938
Net loans and leases to deposits49.2552%4,992
Net loans and leases to core deposits51.4893%4,998
Total domestic deposits to total assets87.5792%1,859
Equity capital to assets12.2938%1,606
Core capital (leverage) ratio12.1100%1,582
Tier 1 risk-based capital ratio22.8902%955
Total risk-based capital ratio24.0671%941
Memoranda:
Average total assets$193,237,0003,001
Average earning assets$187,888,0002,909
Average equity$23,891,0002,784
Average total loans$84,818,0003,654
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3269%5,051
Cost of funding earning assets0.3038%4,103
Net interest margin3.0231%4,834
Noninterest income to average assets0.3594%3,901
Noninterest expense to average assets2.2175%4,493
Loan and lease loss provision to assets0.0394%3,481
Net operating income to assets0.8091%3,117
Return on assets (ROA)0.8091%3,162
Pretax return on assets1.0216%3,488
Return on Equity (ROE)6.6171%3,473
Retained earnings to average equity (ytd only)2.5576%3,791
Net charge-offs to loans0.0339%3,113
Credit loss provision to net charge-offs267.8571%1,044
Earnings coverage of net charge-offs (x)72.2143%832
Efficiency ratio67.6376%2,973
Assets per employee ($millions)4.6848%2,888
Cash dividends to net income (ytd only)*61.3489%1,692
Condition Ratios (%)
Loss allowance to loans1.3871%1,818
Loan loss allowance to noncurrent loans692.3529%851
Noncurrent assets plus other real estate owned to assets0.0885%4,680
Noncurrent loans to loans0.2003%4,108
Net loans and leases to total assets43.5642%4,997
Net loans and leases to deposits49.6482%5,070
Net loans and leases to core deposits51.4442%5,086
Total domestic deposits to total assets87.7459%1,632
Equity capital to assets12.1354%1,738
Core capital (leverage) ratio12.3029%1,444
Tier 1 risk-based capital ratio23.2845%883
Total risk-based capital ratio24.4459%873
Memoranda:
Average total assets$190,575,6003,010
Average earning assets$184,013,6002,923
Average equity$23,303,2002,823
Average total loans$82,569,2003,688
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2730%5,147
Cost of funding earning assets0.3006%4,127
Net interest margin2.9724%4,980
Noninterest income to average assets0.3778%3,825
Noninterest expense to average assets2.2313%4,463
Loan and lease loss provision to assets0.0421%3,266
Net operating income to assets0.7283%3,827
Return on assets (ROA)0.7283%3,897
Pretax return on assets0.9744%3,787
Return on Equity (ROE)5.9450%4,152
Retained earnings to average equity (ytd only)4.1427%3,443
Net charge-offs to loans0.0293%2,845
Credit loss provision to net charge-offs333.3333%894
Earnings coverage of net charge-offs (x)80.5538%809
Efficiency ratio68.7028%2,755
Assets per employee ($millions)4.9093%2,567
Cash dividends to net income (ytd only)*30.3176%2,740
Condition Ratios (%)
Loss allowance to loans1.3715%2,016
Loan loss allowance to noncurrent loans210.4129%2,157
Noncurrent assets plus other real estate owned to assets0.2909%3,899
Noncurrent loans to loans0.6518%2,757
Net loans and leases to total assets44.0210%5,024
Net loans and leases to deposits50.5221%5,107
Net loans and leases to core deposits52.7639%5,113
Total domestic deposits to total assets87.1321%1,804
Equity capital to assets12.4386%1,689
Core capital (leverage) ratio12.3446%1,488
Tier 1 risk-based capital ratio26.6787%636
Total risk-based capital ratio27.9295%623
Memoranda:
Average total assets$190,200,7503,045
Average earning assets$183,640,7502,951
Average equity$23,301,7502,853
Average total loans$81,998,2503,730
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2010%5,239
Cost of funding earning assets0.2944%4,136
Net interest margin2.9066%5,087
Noninterest income to average assets0.3773%3,854
Noninterest expense to average assets2.1751%4,612
Loan and lease loss provision to assets0.0474%3,042
Net operating income to assets0.7279%3,719
Return on assets (ROA)0.7272%3,790
Pretax return on assets0.9632%3,713
Return on Equity (ROE)5.9661%4,065
Retained earnings to average equity (ytd only)3.2424%3,783
Net charge-offs to loans0.0544%2,153
Credit loss provision to net charge-offs204.5455%1,252
Earnings coverage of net charge-offs (x)43.6364%1,188
Efficiency ratio68.2540%2,962
Assets per employee ($millions)5.0207%2,364
Cash dividends to net income (ytd only)*45.6522%2,060
Condition Ratios (%)
Loss allowance to loans1.3706%2,086
Loan loss allowance to noncurrent loans205.1601%2,187
Noncurrent assets plus other real estate owned to assets0.2911%3,973
Noncurrent loans to loans0.6681%2,747
Net loans and leases to total assets42.3721%5,125
Net loans and leases to deposits48.3443%5,201
Net loans and leases to core deposits50.4245%5,208
Total domestic deposits to total assets87.6466%1,642
Equity capital to assets12.0000%1,927
Core capital (leverage) ratio12.4667%1,386
Tier 1 risk-based capital ratio23.0639%945
Total risk-based capital ratio24.2018%941
Memoranda:
Average total assets$189,780,6703,060
Average earning assets$183,441,6702,972
Average equity$23,130,6702,871
Average total loans$80,846,0003,774
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1441%5,317
Cost of funding earning assets0.2927%4,119
Net interest margin2.8514%5,162
Noninterest income to average assets0.3748%3,842
Noninterest expense to average assets2.2616%4,502
Loan and lease loss provision to assets0.0643%2,515
Net operating income to assets0.5740%4,263
Return on assets (ROA)0.5740%4,308
Pretax return on assets0.8031%4,100
Return on Equity (ROE)4.6715%4,528
Retained earnings to average equity (ytd only)4.6715%3,075
Net charge-offs to loans-0.0101%4,427
Credit loss provision to net charge-offs-1,500.0000%4,497
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2793%2,524
Assets per employee ($millions)4.6547%2,915
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.4592%1,833
Loan loss allowance to noncurrent loans166.0000%2,605
Noncurrent assets plus other real estate owned to assets0.3760%3,696
Noncurrent loans to loans0.8791%2,277
Net loans and leases to total assets42.1453%5,152
Net loans and leases to deposits48.2859%5,206
Net loans and leases to core deposits50.4018%5,205
Total domestic deposits to total assets87.2827%2,080
Equity capital to assets12.4402%1,577
Core capital (leverage) ratio12.4450%1,363
Tier 1 risk-based capital ratio24.1172%856
Total risk-based capital ratio25.3219%844
Memoranda:
Average total assets$186,767,0003,122
Average earning assets$180,402,5003,031
Average equity$22,947,5002,898
Average total loans$79,208,5003,831
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1612%5,349
Cost of funding earning assets0.2938%4,133
Net interest margin2.8674%5,187
Noninterest income to average assets0.3987%3,894
Noninterest expense to average assets2.1152%4,976
Loan and lease loss provision to assets0.0639%3,099
Net operating income to assets0.7687%3,458
Return on assets (ROA)0.7803%3,504
Pretax return on assets1.0028%3,468
Return on Equity (ROE)6.2475%3,869
Retained earnings to average equity (ytd only)2.2160%4,273
Net charge-offs to loans0.0280%3,471
Credit loss provision to net charge-offs545.4545%614
Earnings coverage of net charge-offs (x)89.8182%657
Efficiency ratio66.7899%3,472
Assets per employee ($millions)4.2579%3,515
Cash dividends to net income (ytd only)*64.5293%1,561
Condition Ratios (%)
Loss allowance to loans1.4343%1,941
Loan loss allowance to noncurrent loans239.4068%1,966
Noncurrent assets plus other real estate owned to assets0.2519%4,297
Noncurrent loans to loans0.5991%3,055
Net loans and leases to total assets41.4504%5,256
Net loans and leases to deposits47.2673%5,322
Net loans and leases to core deposits49.3135%5,321
Total domestic deposits to total assets87.6934%1,794
Equity capital to assets12.1342%1,716
Core capital (leverage) ratio12.1510%1,509
Tier 1 risk-based capital ratio23.6893%898
Total risk-based capital ratio24.8535%893
Memoranda:
Average total assets$187,879,2003,082
Average earning assets$181,385,6003,001
Average equity$23,465,4002,850
Average total loans$78,517,4003,840
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1616%5,418
Cost of funding earning assets0.2922%4,189
Net interest margin2.8694%5,233
Noninterest income to average assets0.4014%3,913
Noninterest expense to average assets2.1601%4,865
Loan and lease loss provision to assets0.0638%2,959
Net operating income to assets0.7127%3,778
Return on assets (ROA)0.7276%3,838
Pretax return on assets0.9687%3,745
Return on Equity (ROE)5.7846%4,176
Retained earnings to average equity (ytd only)4.0086%3,449
Net charge-offs to loans-0.0102%4,773
Credit loss provision to net charge-offs-1,500.0000%5,269
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0823%3,211
Assets per employee ($millions)4.2758%3,455
Cash dividends to net income (ytd only)*30.7017%2,805
Condition Ratios (%)
Loss allowance to loans1.4184%2,119
Loan loss allowance to noncurrent loans197.5482%2,259
Noncurrent assets plus other real estate owned to assets0.3035%4,201
Noncurrent loans to loans0.7180%2,882
Net loans and leases to total assets41.6726%5,310
Net loans and leases to deposits48.1904%5,372
Net loans and leases to core deposits50.9972%5,350
Total domestic deposits to total assets86.4750%2,140
Equity capital to assets12.8005%1,595
Core capital (leverage) ratio12.3536%1,463
Tier 1 risk-based capital ratio23.7730%922
Total risk-based capital ratio24.9295%915
Memoranda:
Average total assets$188,012,2503,090
Average earning assets$181,589,0003,014
Average equity$23,648,5002,849
Average total loans$78,450,2503,866
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1621%5,486
Cost of funding earning assets0.2922%4,221
Net interest margin2.8699%5,313
Noninterest income to average assets0.3969%3,890
Noninterest expense to average assets2.1727%4,906
Loan and lease loss provision to assets0.0638%2,872
Net operating income to assets0.7068%3,757
Return on assets (ROA)0.7214%3,847
Pretax return on assets0.9491%3,776
Return on Equity (ROE)5.7692%4,161
Retained earnings to average equity (ytd only)3.0888%3,937
Net charge-offs to loans-0.0128%4,779
Credit loss provision to net charge-offs-1,200.0000%5,130
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6156%3,222
Assets per employee ($millions)4.4285%3,165
Cash dividends to net income (ytd only)*46.4602%2,131
Condition Ratios (%)
Loss allowance to loans1.4108%2,243
Loan loss allowance to noncurrent loans174.6815%2,552
Noncurrent assets plus other real estate owned to assets0.3298%4,179
Noncurrent loans to loans0.8076%2,732
Net loans and leases to total assets40.2585%5,407
Net loans and leases to deposits46.4340%5,487
Net loans and leases to core deposits49.0948%5,464
Total domestic deposits to total assets86.7004%2,061
Equity capital to assets12.5933%1,713
Core capital (leverage) ratio12.1811%1,518
Tier 1 risk-based capital ratio18.3913%1,828
Total risk-based capital ratio19.2746%1,891
Memoranda:
Average total assets$187,972,0003,110
Average earning assets$181,397,3303,031
Average equity$23,504,0002,872
Average total loans$78,091,0003,900
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1857%5,502
Cost of funding earning assets0.2910%4,270
Net interest margin2.8947%5,329
Noninterest income to average assets0.3813%3,978
Noninterest expense to average assets2.1634%4,993
Loan and lease loss provision to assets0.0643%2,670
Net operating income to assets0.7173%3,624
Return on assets (ROA)0.7368%3,659
Pretax return on assets0.9703%3,577
Return on Equity (ROE)5.9143%4,029
Retained earnings to average equity (ytd only)5.9143%2,415
Net charge-offs to loans-0.0204%4,872
Credit loss provision to net charge-offs-750.0000%4,671
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1972%3,432
Assets per employee ($millions)4.4204%3,218
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.3852%2,497
Loan loss allowance to noncurrent loans209.8425%2,151
Noncurrent assets plus other real estate owned to assets0.2763%4,450
Noncurrent loans to loans0.6601%3,194
Net loans and leases to total assets40.8785%5,406
Net loans and leases to deposits47.1508%5,459
Net loans and leases to core deposits48.6824%5,488
Total domestic deposits to total assets86.6974%2,358
Equity capital to assets12.7468%1,535
Core capital (leverage) ratio12.3053%1,432
Tier 1 risk-based capital ratio23.9956%915
Total risk-based capital ratio25.1165%919
Memoranda:
Average total assets$186,744,5003,128
Average earning assets$180,055,0003,045
Average equity$23,265,5002,897
Average total loans$78,256,5003,905
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1601%5,563
Cost of funding earning assets0.3018%4,229
Net interest margin2.8584%5,403
Noninterest income to average assets0.3476%4,420
Noninterest expense to average assets2.1456%5,159
Loan and lease loss provision to assets0.0634%3,029
Net operating income to assets0.7126%3,754
Return on assets (ROA)0.7312%3,763
Pretax return on assets0.9193%3,767
Return on Equity (ROE)6.0388%4,017
Retained earnings to average equity (ytd only)1.9111%4,638
Net charge-offs to loans0.3548%835
Credit loss provision to net charge-offs42.1053%3,504
Earnings coverage of net charge-offs (x)6.3719%3,239
Efficiency ratio69.0999%3,380
Assets per employee ($millions)4.4722%3,087
Cash dividends to net income (ytd only)*68.3526%1,329
Condition Ratios (%)
Loss allowance to loans1.2985%2,913
Loan loss allowance to noncurrent loans170.7438%2,549
Noncurrent assets plus other real estate owned to assets0.3248%4,289
Noncurrent loans to loans0.7605%2,899
Net loans and leases to total assets41.8034%5,420
Net loans and leases to deposits47.7691%5,494
Net loans and leases to core deposits49.2873%5,526
Total domestic deposits to total assets87.5113%1,877
Equity capital to assets12.1735%1,830
Core capital (leverage) ratio11.7273%1,800
Tier 1 risk-based capital ratio22.9308%1,021
Total risk-based capital ratio23.9891%1,034
Memoranda:
Average total assets$189,274,8003,063
Average earning assets$182,587,2002,969
Average equity$22,918,4002,884
Average total loans$80,318,8003,818
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1434%5,652
Cost of funding earning assets0.3028%4,310
Net interest margin2.8405%5,513
Noninterest income to average assets0.3663%4,309
Noninterest expense to average assets2.1100%5,254
Loan and lease loss provision to assets0.0633%2,918
Net operating income to assets0.7034%3,889
Return on assets (ROA)0.7108%3,964
Pretax return on assets0.9464%3,826
Return on Equity (ROE)5.8782%4,208
Retained earnings to average equity (ytd only)4.0467%3,578
Net charge-offs to loans0.4372%580
Credit loss provision to net charge-offs34.0909%3,231
Earnings coverage of net charge-offs (x)5.3864%3,210
Efficiency ratio67.8499%3,576
Assets per employee ($millions)4.7415%2,638
Cash dividends to net income (ytd only)*31.1572%2,767
Condition Ratios (%)
Loss allowance to loans1.2850%3,178
Loan loss allowance to noncurrent loans155.6231%2,738
Noncurrent assets plus other real estate owned to assets0.4413%4,020
Noncurrent loans to loans0.8257%2,906
Net loans and leases to total assets41.4756%5,517
Net loans and leases to deposits47.6870%5,585
Net loans and leases to core deposits50.6954%5,553
Total domestic deposits to total assets86.9747%2,055
Equity capital to assets12.3679%1,816
Core capital (leverage) ratio12.0344%1,654
Tier 1 risk-based capital ratio23.1300%1,039
Total risk-based capital ratio24.1718%1,048
Memoranda:
Average total assets$189,635,0003,082
Average earning assets$183,153,2502,994
Average equity$22,931,5002,905
Average total loans$80,510,0003,839
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1234%5,715
Cost of funding earning assets0.3057%4,337
Net interest margin2.8177%5,577
Noninterest income to average assets0.3597%4,371
Noninterest expense to average assets2.1210%5,293
Loan and lease loss provision to assets0.0633%2,854
Net operating income to assets0.6766%3,991
Return on assets (ROA)0.6877%4,060
Pretax return on assets0.9123%3,909
Return on Equity (ROE)5.7299%4,266
Retained earnings to average equity (ytd only)2.9616%4,152
Net charge-offs to loans0.6264%371
Credit loss provision to net charge-offs23.7154%2,980
Earnings coverage of net charge-offs (x)3.6008%3,169
Efficiency ratio68.8227%3,526
Assets per employee ($millions)4.6794%2,705
Cash dividends to net income (ytd only)*48.3129%2,006
Condition Ratios (%)
Loss allowance to loans1.2431%3,540
Loan loss allowance to noncurrent loans139.5833%2,956
Noncurrent assets plus other real estate owned to assets0.4660%4,070
Noncurrent loans to loans0.8906%2,903
Net loans and leases to total assets41.6145%5,528
Net loans and leases to deposits47.4729%5,613
Net loans and leases to core deposits50.3732%5,598
Total domestic deposits to total assets87.6594%1,809
Equity capital to assets11.8694%2,126
Core capital (leverage) ratio11.7426%1,812
Tier 1 risk-based capital ratio22.3687%1,152
Total risk-based capital ratio23.3735%1,170
Memoranda:
Average total assets$189,628,0003,104
Average earning assets$183,200,3303,012
Average equity$22,758,0002,931
Average total loans$80,784,3303,854
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1092%5,770
Cost of funding earning assets0.3054%4,381
Net interest margin2.8038%5,630
Noninterest income to average assets0.3543%4,362
Noninterest expense to average assets2.0603%5,471
Loan and lease loss provision to assets0.0637%2,653
Net operating income to assets0.7045%3,775
Return on assets (ROA)0.7045%3,900
Pretax return on assets0.9379%3,752
Return on Equity (ROE)5.8371%4,117
Retained earnings to average equity (ytd only)5.8371%2,586
Net charge-offs to loans1.3027%156
Credit loss provision to net charge-offs11.4068%2,426
Earnings coverage of net charge-offs (x)1.7947%2,865
Efficiency ratio67.2904%3,936
Assets per employee ($millions)4.7969%2,629
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2062%3,947
Loan loss allowance to noncurrent loans145.3313%2,858
Noncurrent assets plus other real estate owned to assets0.4435%4,265
Noncurrent loans to loans0.8300%3,169
Net loans and leases to total assets41.1930%5,535
Net loans and leases to deposits47.1214%5,613
Net loans and leases to core deposits50.1195%5,586
Total domestic deposits to total assets87.4189%2,156
Equity capital to assets12.0219%2,011
Core capital (leverage) ratio11.5905%1,938
Tier 1 risk-based capital ratio13.3996%4,374
Total risk-based capital ratio13.9962%4,679
Memoranda:
Average total assets$188,515,0003,135
Average earning assets$182,040,0003,046
Average equity$22,751,0002,952
Average total loans$80,754,5003,868
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1397%5,910
Cost of funding earning assets0.3269%4,526
Net interest margin2.8128%5,785
Noninterest income to average assets0.3871%4,280
Noninterest expense to average assets2.0583%5,662
Loan and lease loss provision to assets0.0688%3,110
Net operating income to assets0.7648%3,540
Return on assets (ROA)0.7690%3,625
Pretax return on assets0.9683%3,619
Return on Equity (ROE)6.5800%3,856
Retained earnings to average equity (ytd only)2.2989%4,598
Net charge-offs to loans0.0833%3,302
Credit loss provision to net charge-offs196.9697%1,254
Earnings coverage of net charge-offs (x)29.5606%1,356
Efficiency ratio66.6096%4,131
Assets per employee ($millions)4.8725%2,502
Cash dividends to net income (ytd only)*65.0619%1,505
Condition Ratios (%)
Loss allowance to loans1.4698%2,608
Loan loss allowance to noncurrent loans173.3719%2,512
Noncurrent assets plus other real estate owned to assets0.4742%4,222
Noncurrent loans to loans0.8478%3,192
Net loans and leases to total assets43.3728%5,504
Net loans and leases to deposits49.5643%5,601
Net loans and leases to core deposits51.1568%5,653
Total domestic deposits to total assets87.5083%2,031
Equity capital to assets12.1169%1,934
Core capital (leverage) ratio11.6631%1,852
Tier 1 risk-based capital ratio22.0704%1,215
Total risk-based capital ratio23.2795%1,197
Memoranda:
Average total assets$189,088,0003,110
Average earning assets$181,702,8003,018
Average equity$22,097,2002,939
Average total loans$79,219,2003,895
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1061%6,024
Cost of funding earning assets0.3286%4,577
Net interest margin2.7776%5,899
Noninterest income to average assets0.3592%4,562
Noninterest expense to average assets2.0167%5,742
Loan and lease loss provision to assets0.0701%2,946
Net operating income to assets0.7046%3,919
Return on assets (ROA)0.7057%4,017
Pretax return on assets0.9421%3,819
Return on Equity (ROE)6.0933%4,187
Retained earnings to average equity (ytd only)4.1853%3,670
Net charge-offs to loans0.0712%3,183
Credit loss provision to net charge-offs238.0952%1,099
Earnings coverage of net charge-offs (x)34.3088%1,255
Efficiency ratio66.6126%4,113
Assets per employee ($millions)4.6232%2,779
Cash dividends to net income (ytd only)*31.3122%2,740
Condition Ratios (%)
Loss allowance to loans1.4834%2,808
Loan loss allowance to noncurrent loans143.9614%2,828
Noncurrent assets plus other real estate owned to assets0.5489%4,211
Noncurrent loans to loans1.0304%3,012
Net loans and leases to total assets42.8085%5,609
Net loans and leases to deposits49.0626%5,698
Net loans and leases to core deposits52.6780%5,642
Total domestic deposits to total assets87.2527%2,177
Equity capital to assets12.1951%1,914
Core capital (leverage) ratio11.7220%1,898
Tier 1 risk-based capital ratio22.4906%1,187
Total risk-based capital ratio23.7064%1,178
Memoranda:
Average total assets$190,071,2503,128
Average earning assets$182,601,2503,026
Average equity$22,012,7502,951
Average total loans$78,647,7503,940
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0284%6,148
Cost of funding earning assets0.3270%4,675
Net interest margin2.7014%6,051
Noninterest income to average assets0.3473%4,653
Noninterest expense to average assets2.0127%5,819
Loan and lease loss provision to assets0.0730%2,809
Net operating income to assets0.6413%4,146
Return on assets (ROA)0.6413%4,246
Pretax return on assets0.8635%4,022
Return on Equity (ROE)5.6337%4,365
Retained earnings to average equity (ytd only)2.7481%4,451
Net charge-offs to loans0.1178%2,488
Credit loss provision to net charge-offs152.1739%1,441
Earnings coverage of net charge-offs (x)19.5217%1,620
Efficiency ratio68.2461%3,962
Assets per employee ($millions)5.0063%2,209
Cash dividends to net income (ytd only)*51.2195%1,875
Condition Ratios (%)
Loss allowance to loans1.4503%3,108
Loan loss allowance to noncurrent loans58.1325%4,877
Noncurrent assets plus other real estate owned to assets1.1585%2,763
Noncurrent loans to loans2.4947%1,246
Net loans and leases to total assets40.3030%5,791
Net loans and leases to deposits45.7261%5,894
Net loans and leases to core deposits48.6597%5,867
Total domestic deposits to total assets88.1401%1,825
Equity capital to assets11.3841%2,524
Core capital (leverage) ratio11.3755%2,100
Tier 1 risk-based capital ratio21.6529%1,320
Total risk-based capital ratio22.8106%1,310
Memoranda:
Average total assets$191,786,3303,127
Average earning assets$184,720,3303,016
Average equity$21,833,0002,969
Average total loans$78,078,3303,973
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0512%6,181
Cost of funding earning assets0.3300%4,734
Net interest margin2.7212%6,078
Noninterest income to average assets0.3431%4,631
Noninterest expense to average assets1.9847%5,913
Loan and lease loss provision to assets0.0631%2,860
Net operating income to assets0.6819%3,776
Return on assets (ROA)0.6819%3,853
Pretax return on assets0.9155%3,645
Return on Equity (ROE)5.9900%4,030
Retained earnings to average equity (ytd only)5.9900%2,551
Net charge-offs to loans0.1140%2,037
Credit loss provision to net charge-offs136.3636%1,328
Earnings coverage of net charge-offs (x)21.1364%1,307
Efficiency ratio66.9744%4,370
Assets per employee ($millions)5.1917%2,020
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4867%3,196
Loan loss allowance to noncurrent loans125.7709%3,043
Noncurrent assets plus other real estate owned to assets0.5752%4,422
Noncurrent loans to loans1.1820%3,072
Net loans and leases to total assets39.3948%5,852
Net loans and leases to deposits44.6782%5,935
Net loans and leases to core deposits47.5632%5,899
Total domestic deposits to total assets88.1745%2,126
Equity capital to assets11.4340%2,304
Core capital (leverage) ratio11.4043%2,047
Tier 1 risk-based capital ratio22.4207%1,224
Total risk-based capital ratio23.6015%1,217
Memoranda:
Average total assets$190,056,5003,169
Average earning assets$183,009,5003,063
Average equity$21,636,0002,983
Average total loans$77,193,5004,020
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2150%6,119
Cost of funding earning assets0.3555%5,087
Net interest margin2.8596%5,883
Noninterest income to average assets0.3544%4,775
Noninterest expense to average assets1.9372%6,128
Loan and lease loss provision to assets0.0650%3,827
Net operating income to assets0.8506%3,029
Return on assets (ROA)0.8502%3,111
Pretax return on assets1.0849%3,006
Return on Equity (ROE)7.1789%3,466
Retained earnings to average equity (ytd only)2.8505%4,219
Net charge-offs to loans0.1268%3,549
Credit loss provision to net charge-offs126.3158%1,868
Earnings coverage of net charge-offs (x)22.3474%1,453
Efficiency ratio62.7413%5,096
Assets per employee ($millions)4.9479%2,242
Cash dividends to net income (ytd only)*60.2932%1,750
Condition Ratios (%)
Loss allowance to loans1.4619%3,367
Loan loss allowance to noncurrent loans94.9749%3,745
Noncurrent assets plus other real estate owned to assets0.7510%4,005
Noncurrent loans to loans1.5393%2,586
Net loans and leases to total assets40.6533%5,916
Net loans and leases to deposits45.9666%6,014
Net loans and leases to core deposits47.0477%6,089
Total domestic deposits to total assets88.4411%1,929
Equity capital to assets11.3329%2,313
Core capital (leverage) ratio11.5280%1,944
Tier 1 risk-based capital ratio22.0591%1,246
Total risk-based capital ratio23.2302%1,240
Memoranda:
Average total assets$184,540,6003,227
Average earning assets$176,390,8003,123
Average equity$21,855,6002,940
Average total loans$74,937,2004,095
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2428%6,146
Cost of funding earning assets0.3596%5,202
Net interest margin2.8831%5,852
Noninterest income to average assets0.3390%4,982
Noninterest expense to average assets1.9092%6,169
Loan and lease loss provision to assets0.0581%3,885
Net operating income to assets0.8566%3,064
Return on assets (ROA)0.8566%3,179
Pretax return on assets1.1244%3,002
Return on Equity (ROE)7.1538%3,558
Retained earnings to average equity (ytd only)5.2441%2,904
Net charge-offs to loans0.1256%3,267
Credit loss provision to net charge-offs114.2857%2,056
Earnings coverage of net charge-offs (x)23.2717%1,469
Efficiency ratio61.7516%5,172
Assets per employee ($millions)4.6626%2,630
Cash dividends to net income (ytd only)*26.6950%2,821
Condition Ratios (%)
Loss allowance to loans1.4830%3,520
Loan loss allowance to noncurrent loans154.5580%2,479
Noncurrent assets plus other real estate owned to assets0.5180%4,889
Noncurrent loans to loans0.9595%3,897
Net loans and leases to total assets40.8802%5,969
Net loans and leases to deposits46.7182%6,051
Net loans and leases to core deposits49.4834%6,040
Total domestic deposits to total assets87.5039%2,416
Equity capital to assets11.9868%1,925
Core capital (leverage) ratio11.7824%1,832
Tier 1 risk-based capital ratio23.1426%1,119
Total risk-based capital ratio24.3414%1,116
Memoranda:
Average total assets$183,671,0003,263
Average earning assets$175,360,2503,169
Average equity$21,992,5002,965
Average total loans$74,279,0004,140
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2347%6,182
Cost of funding earning assets0.3607%5,310
Net interest margin2.8740%5,842
Noninterest income to average assets0.3516%4,877
Noninterest expense to average assets1.8960%6,227
Loan and lease loss provision to assets0.0543%3,909
Net operating income to assets0.8579%3,005
Return on assets (ROA)0.8563%3,161
Pretax return on assets1.1406%2,925
Return on Equity (ROE)7.1540%3,513
Retained earnings to average equity (ytd only)4.2978%3,552
Net charge-offs to loans0.1299%3,076
Credit loss provision to net charge-offs104.1667%2,116
Earnings coverage of net charge-offs (x)22.9792%1,348
Efficiency ratio61.2982%5,281
Assets per employee ($millions)4.6831%2,540
Cash dividends to net income (ytd only)*39.9240%2,260
Condition Ratios (%)
Loss allowance to loans1.4818%3,664
Loan loss allowance to noncurrent loans107.5508%3,273
Noncurrent assets plus other real estate owned to assets0.6881%4,506
Noncurrent loans to loans1.3778%3,243
Net loans and leases to total assets39.4310%6,078
Net loans and leases to deposits44.7733%6,180
Net loans and leases to core deposits47.1995%6,166
Total domestic deposits to total assets88.0681%2,198
Equity capital to assets11.4765%2,318
Core capital (leverage) ratio11.5662%1,882
Tier 1 risk-based capital ratio22.4367%1,212
Total risk-based capital ratio23.6119%1,206
Memoranda:
Average total assets$184,281,0003,275
Average earning assets$175,783,0003,177
Average equity$22,057,6702,979
Average total loans$73,886,6704,177
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2729%6,204
Cost of funding earning assets0.3688%5,382
Net interest margin2.9041%5,800
Noninterest income to average assets0.3546%4,841
Noninterest expense to average assets2.1077%5,900
Loan and lease loss provision to assets0.0525%3,743
Net operating income to assets0.7168%3,613
Return on assets (ROA)0.7069%3,792
Pretax return on assets0.9389%3,617
Return on Equity (ROE)5.7840%4,159
Retained earnings to average equity (ytd only)5.7840%2,794
Net charge-offs to loans0.1091%2,783
Credit loss provision to net charge-offs120.0000%1,595
Earnings coverage of net charge-offs (x)22.9500%1,122
Efficiency ratio67.7215%4,364
Assets per employee ($millions)4.8737%2,387
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5320%3,694
Loan loss allowance to noncurrent loans161.0709%2,245
Noncurrent assets plus other real estate owned to assets0.5238%5,084
Noncurrent loans to loans0.9511%4,237
Net loans and leases to total assets38.6272%6,108
Net loans and leases to deposits44.3674%6,174
Net loans and leases to core deposits47.0635%6,151
Total domestic deposits to total assets87.0622%2,925
Equity capital to assets12.1214%1,956
Core capital (leverage) ratio11.7604%1,700
Tier 1 risk-based capital ratio22.9732%1,163
Total risk-based capital ratio24.1884%1,146
Memoranda:
Average total assets$182,760,5003,313
Average earning assets$173,548,5003,225
Average equity$22,337,5002,991
Average total loans$73,343,0004,224
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4843%6,373
Cost of funding earning assets0.4631%5,471
Net interest margin3.0212%6,006
Noninterest income to average assets0.3884%4,698
Noninterest expense to average assets2.1877%5,949
Loan and lease loss provision to assets0.0285%5,539
Net operating income to assets0.8598%3,002
Return on assets (ROA)0.8612%3,237
Pretax return on assets1.0465%3,368
Return on Equity (ROE)6.8560%3,724
Retained earnings to average equity (ytd only)2.6471%4,370
Net charge-offs to loans-0.0099%6,460
Credit loss provision to net charge-offs-714.2857%6,552
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0864%4,314
Assets per employee ($millions)4.5080%2,948
Cash dividends to net income (ytd only)*61.3907%1,724
Condition Ratios (%)
Loss allowance to loans1.4979%3,754
Loan loss allowance to noncurrent loans106.7372%3,177
Noncurrent assets plus other real estate owned to assets0.7309%4,649
Noncurrent loans to loans1.4034%3,494
Net loans and leases to total assets40.4425%6,142
Net loans and leases to deposits46.5642%6,212
Net loans and leases to core deposits47.9767%6,274
Total domestic deposits to total assets86.8534%2,909
Equity capital to assets12.3259%1,845
Core capital (leverage) ratio11.8006%1,667
Tier 1 risk-based capital ratio22.6731%1,156
Total risk-based capital ratio23.8856%1,144
Memoranda:
Average total assets$175,340,6003,374
Average earning assets$166,720,6003,276
Average equity$22,024,4002,970
Average total loans$70,928,2004,331
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5028%6,508
Cost of funding earning assets0.4838%5,545
Net interest margin3.0190%6,130
Noninterest income to average assets0.3883%4,727
Noninterest expense to average assets2.1704%6,018
Loan and lease loss provision to assets0.0383%5,297
Net operating income to assets0.8084%3,411
Return on assets (ROA)0.8072%3,659
Pretax return on assets1.0599%3,502
Return on Equity (ROE)6.3953%4,120
Retained earnings to average equity (ytd only)4.4840%3,742
Net charge-offs to loans0.0380%5,119
Credit loss provision to net charge-offs250.0000%1,095
Earnings coverage of net charge-offs (x)71.7893%575
Efficiency ratio66.3700%4,379
Assets per employee ($millions)4.6323%2,700
Cash dividends to net income (ytd only)*29.8861%2,649
Condition Ratios (%)
Loss allowance to loans1.5019%3,943
Loan loss allowance to noncurrent loans156.8116%2,191
Noncurrent assets plus other real estate owned to assets0.5704%5,245
Noncurrent loans to loans0.9578%4,517
Net loans and leases to total assets40.3104%6,255
Net loans and leases to deposits46.7851%6,333
Net loans and leases to core deposits49.9300%6,287
Total domestic deposits to total assets86.1608%3,165
Equity capital to assets12.8206%1,695
Core capital (leverage) ratio12.0576%1,623
Tier 1 risk-based capital ratio23.5112%1,088
Total risk-based capital ratio24.7288%1,074
Memoranda:
Average total assets$174,095,7503,429
Average earning assets$166,186,2503,320
Average equity$21,974,0002,996
Average total loans$70,151,5004,395
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4919%6,614
Cost of funding earning assets0.5059%5,576
Net interest margin2.9860%6,273
Noninterest income to average assets0.3736%4,848
Noninterest expense to average assets2.1851%6,050
Loan and lease loss provision to assets0.0577%4,939
Net operating income to assets0.7336%3,689
Return on assets (ROA)0.7345%3,953
Pretax return on assets0.9766%3,799
Return on Equity (ROE)5.8505%4,395
Retained earnings to average equity (ytd only)2.9574%4,666
Net charge-offs to loans-0.0086%6,255
Credit loss provision to net charge-offs-1,666.6667%6,469
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8968%4,139
Assets per employee ($millions)4.3907%3,103
Cash dividends to net income (ytd only)*49.4505%1,769
Condition Ratios (%)
Loss allowance to loans1.5509%3,774
Loan loss allowance to noncurrent loans209.2803%1,640
Noncurrent assets plus other real estate owned to assets0.4677%5,597
Noncurrent loans to loans0.7411%5,028
Net loans and leases to total assets38.9655%6,408
Net loans and leases to deposits44.8268%6,514
Net loans and leases to core deposits47.9041%6,466
Total domestic deposits to total assets86.9246%2,815
Equity capital to assets12.2310%1,986
Core capital (leverage) ratio11.8253%1,704
Tier 1 risk-based capital ratio22.9451%1,138
Total risk-based capital ratio24.1834%1,118
Memoranda:
Average total assets$173,451,3303,453
Average earning assets$165,238,0003,344
Average equity$21,776,0003,009
Average total loans$69,522,0004,432
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5498%6,633
Cost of funding earning assets0.5433%5,542
Net interest margin3.0065%6,285
Noninterest income to average assets0.4396%4,379
Noninterest expense to average assets2.1908%6,064
Loan and lease loss provision to assets0.0705%4,520
Net operating income to assets0.7692%3,527
Return on assets (ROA)0.7710%3,758
Pretax return on assets1.0296%3,570
Return on Equity (ROE)6.0586%4,254
Retained earnings to average equity (ytd only)6.0586%2,920
Net charge-offs to loans-0.0058%5,821
Credit loss provision to net charge-offs-3,000.0000%6,121
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6190%4,442
Assets per employee ($millions)4.2678%3,460
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5792%3,809
Loan loss allowance to noncurrent loans248.3945%1,356
Noncurrent assets plus other real estate owned to assets0.4841%5,648
Noncurrent loans to loans0.6358%5,370
Net loans and leases to total assets38.5743%6,455
Net loans and leases to deposits44.4668%6,532
Net loans and leases to core deposits47.7980%6,468
Total domestic deposits to total assets86.7487%3,093
Equity capital to assets12.4672%1,743
Core capital (leverage) ratio11.9734%1,605
Tier 1 risk-based capital ratio24.1010%995
Total risk-based capital ratio25.3518%983
Memoranda:
Average total assets$170,168,0003,515
Average earning assets$161,248,5003,418
Average equity$21,655,0003,015
Average total loans$68,658,0004,491
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0090%6,437
Cost of funding earning assets0.6766%5,675
Net interest margin3.3324%5,719
Noninterest income to average assets0.4721%4,045
Noninterest expense to average assets2.4411%5,660
Loan and lease loss provision to assets0.1157%5,151
Net operating income to assets0.7903%3,078
Return on assets (ROA)0.8236%3,102
Pretax return on assets1.1258%2,743
Return on Equity (ROE)6.3853%3,701
Retained earnings to average equity (ytd only)2.0568%4,749
Net charge-offs to loans0.2666%4,102
Credit loss provision to net charge-offs100.5348%3,472
Earnings coverage of net charge-offs (x)10.3904%1,842
Efficiency ratio67.1180%4,551
Assets per employee ($millions)3.9371%3,992
Cash dividends to net income (ytd only)*67.7877%1,231
Condition Ratios (%)
Loss allowance to loans1.5305%3,885
Loan loss allowance to noncurrent loans250.4762%1,319
Noncurrent assets plus other real estate owned to assets0.5836%5,512
Noncurrent loans to loans0.6110%5,492
Net loans and leases to total assets40.9320%6,473
Net loans and leases to deposits47.4380%6,536
Net loans and leases to core deposits49.1090%6,581
Total domestic deposits to total assets86.2854%3,150
Equity capital to assets12.9991%1,481
Core capital (leverage) ratio12.1574%1,515
Tier 1 risk-based capital ratio24.0907%959
Total risk-based capital ratio25.3410%945
Memoranda:
Average total assets$162,465,2003,598
Average earning assets$154,301,4003,503
Average equity$20,954,4003,015
Average total loans$70,141,6004,486
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0523%6,499
Cost of funding earning assets0.7035%5,743
Net interest margin3.3487%5,724
Noninterest income to average assets0.4509%4,286
Noninterest expense to average assets2.4631%5,581
Loan and lease loss provision to assets0.1302%4,801
Net operating income to assets0.7780%3,264
Return on assets (ROA)0.8219%3,220
Pretax return on assets1.1021%3,001
Return on Equity (ROE)6.3850%3,831
Retained earnings to average equity (ytd only)4.3676%3,622
Net charge-offs to loans0.3556%3,314
Credit loss provision to net charge-offs84.0426%3,999
Earnings coverage of net charge-offs (x)7.5745%2,337
Efficiency ratio67.7244%4,370
Assets per employee ($millions)3.9843%3,885
Cash dividends to net income (ytd only)*31.5948%2,398
Condition Ratios (%)
Loss allowance to loans1.4711%4,244
Loan loss allowance to noncurrent loans148.1858%2,060
Noncurrent assets plus other real estate owned to assets0.7499%5,286
Noncurrent loans to loans0.9928%4,904
Net loans and leases to total assets41.8604%6,512
Net loans and leases to deposits48.7034%6,588
Net loans and leases to core deposits51.8800%6,574
Total domestic deposits to total assets85.9496%3,241
Equity capital to assets13.2227%1,506
Core capital (leverage) ratio12.5092%1,430
Tier 1 risk-based capital ratio24.2305%990
Total risk-based capital ratio25.4429%976
Memoranda:
Average total assets$161,742,2503,639
Average earning assets$153,884,7503,532
Average equity$20,819,2503,036
Average total loans$70,493,0004,507
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1282%6,426
Cost of funding earning assets0.7317%5,769
Net interest margin3.3965%5,568
Noninterest income to average assets0.4863%3,967
Noninterest expense to average assets2.3870%5,880
Loan and lease loss provision to assets0.1551%4,375
Net operating income to assets0.8938%2,664
Return on assets (ROA)0.9032%2,728
Pretax return on assets1.1873%2,531
Return on Equity (ROE)7.0821%3,417
Retained earnings to average equity (ytd only)4.0177%3,642
Net charge-offs to loans0.3105%3,322
Credit loss provision to net charge-offs113.6364%2,695
Earnings coverage of net charge-offs (x)9.7455%1,883
Efficiency ratio64.2190%5,198
Assets per employee ($millions)4.0286%3,695
Cash dividends to net income (ytd only)*43.2692%1,947
Condition Ratios (%)
Loss allowance to loans1.5372%3,954
Loan loss allowance to noncurrent loans117.6600%2,484
Noncurrent assets plus other real estate owned to assets0.8936%5,085
Noncurrent loans to loans1.3065%4,462
Net loans and leases to total assets41.3387%6,640
Net loans and leases to deposits47.7189%6,740
Net loans and leases to core deposits50.7341%6,730
Total domestic deposits to total assets86.6297%2,969
Equity capital to assets13.0924%1,475
Core capital (leverage) ratio12.4670%1,377
Tier 1 risk-based capital ratio23.6699%1,042
Total risk-based capital ratio24.9195%1,028
Memoranda:
Average total assets$161,204,6703,670
Average earning assets$153,335,6703,569
Average equity$20,559,0003,056
Average total loans$70,856,6704,542
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1510%6,393
Cost of funding earning assets0.7790%5,679
Net interest margin3.3720%5,532
Noninterest income to average assets0.4798%4,048
Noninterest expense to average assets2.4645%5,693
Loan and lease loss provision to assets0.1131%4,604
Net operating income to assets0.8407%2,822
Return on assets (ROA)0.8140%3,019
Pretax return on assets1.0752%2,850
Return on Equity (ROE)6.4716%3,636
Retained earnings to average equity (ytd only)6.4716%2,384
Net charge-offs to loans0.2737%2,974
Credit loss provision to net charge-offs91.8367%2,910
Earnings coverage of net charge-offs (x)9.9388%1,676
Efficiency ratio66.8256%4,892
Assets per employee ($millions)3.9370%3,972
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4768%4,314
Loan loss allowance to noncurrent loans68.6107%3,982
Noncurrent assets plus other real estate owned to assets1.1517%4,637
Noncurrent loans to loans2.1524%3,381
Net loans and leases to total assets43.2742%6,524
Net loans and leases to deposits49.6150%6,654
Net loans and leases to core deposits52.8126%6,636
Total domestic deposits to total assets87.2199%2,813
Equity capital to assets12.5323%1,616
Core capital (leverage) ratio12.5539%1,302
Tier 1 risk-based capital ratio21.2111%1,363
Total risk-based capital ratio22.3189%1,353
Memoranda:
Average total assets$159,221,0003,721
Average earning assets$151,481,5003,616
Average equity$20,026,0003,108
Average total loans$71,612,0004,556
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3794%6,652
Cost of funding earning assets1.0302%5,529
Net interest margin3.3492%5,796
Noninterest income to average assets0.5392%3,892
Noninterest expense to average assets2.5295%5,685
Loan and lease loss provision to assets0.1233%5,928
Net operating income to assets0.8061%2,772
Return on assets (ROA)0.8101%2,888
Pretax return on assets1.0712%2,697
Return on Equity (ROE)6.1481%3,549
Retained earnings to average equity (ytd only)1.7324%4,647
Net charge-offs to loans0.1367%5,549
Credit loss provision to net charge-offs182.5243%1,810
Earnings coverage of net charge-offs (x)17.6019%1,140
Efficiency ratio68.0191%4,561
Assets per employee ($millions)3.7387%4,387
Cash dividends to net income (ytd only)*71.8219%1,140
Condition Ratios (%)
Loss allowance to loans1.4545%4,259
Loan loss allowance to noncurrent loans58.2180%4,529
Noncurrent assets plus other real estate owned to assets1.2711%4,493
Noncurrent loans to loans2.4984%3,028
Net loans and leases to total assets45.3896%6,604
Net loans and leases to deposits53.1892%6,663
Net loans and leases to core deposits54.9170%6,757
Total domestic deposits to total assets85.3363%3,700
Equity capital to assets12.6239%1,563
Core capital (leverage) ratio12.2863%1,394
Tier 1 risk-based capital ratio23.1184%1,023
Total risk-based capital ratio24.3515%1,008
Memoranda:
Average total assets$152,443,2003,838
Average earning assets$144,722,2003,732
Average equity$20,087,6003,137
Average total loans$75,338,0004,473
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4509%6,723
Cost of funding earning assets1.0635%5,630
Net interest margin3.3873%5,726
Noninterest income to average assets0.5420%3,849
Noninterest expense to average assets2.5503%5,518
Loan and lease loss provision to assets0.1251%5,778
Net operating income to assets0.8193%2,921
Return on assets (ROA)0.8187%3,067
Pretax return on assets1.0822%2,889
Return on Equity (ROE)6.1460%3,748
Retained earnings to average equity (ytd only)4.0620%3,614
Net charge-offs to loans0.1542%5,077
Credit loss provision to net charge-offs161.3636%2,343
Earnings coverage of net charge-offs (x)15.5796%1,429
Efficiency ratio67.8546%4,489
Assets per employee ($millions)3.8916%4,049
Cash dividends to net income (ytd only)*33.9073%2,367
Condition Ratios (%)
Loss allowance to loans1.3806%4,571
Loan loss allowance to noncurrent loans38.3258%5,759
Noncurrent assets plus other real estate owned to assets1.7881%3,764
Noncurrent loans to loans3.6023%2,174
Net loans and leases to total assets45.7093%6,724
Net loans and leases to deposits54.0926%6,765
Net loans and leases to core deposits57.8050%6,741
Total domestic deposits to total assets84.5020%3,864
Equity capital to assets13.0449%1,554
Core capital (leverage) ratio12.8455%1,286
Tier 1 risk-based capital ratio23.3040%1,028
Total risk-based capital ratio24.4943%1,007
Memoranda:
Average total assets$151,297,2503,907
Average earning assets$143,669,0003,802
Average equity$20,153,7503,172
Average total loans$76,091,0004,524
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5423%6,610
Cost of funding earning assets1.0980%5,682
Net interest margin3.4443%5,467
Noninterest income to average assets0.5399%3,795
Noninterest expense to average assets2.5474%5,531
Loan and lease loss provision to assets0.1279%5,600
Net operating income to assets0.8704%2,659
Return on assets (ROA)0.8590%2,839
Pretax return on assets1.1189%2,715
Return on Equity (ROE)6.4012%3,594
Retained earnings to average equity (ytd only)3.2407%4,041
Net charge-offs to loans0.1432%4,793
Credit loss provision to net charge-offs172.7273%2,259
Earnings coverage of net charge-offs (x)17.0364%1,369
Efficiency ratio66.8788%4,796
Assets per employee ($millions)3.6455%4,596
Cash dividends to net income (ytd only)*49.3730%1,713
Condition Ratios (%)
Loss allowance to loans1.3067%4,873
Loan loss allowance to noncurrent loans44.4985%5,347
Noncurrent assets plus other real estate owned to assets1.4780%4,245
Noncurrent loans to loans2.9366%2,722
Net loans and leases to total assets49.6744%6,466
Net loans and leases to deposits58.8774%6,506
Net loans and leases to core deposits63.5771%6,443
Total domestic deposits to total assets84.3693%3,925
Equity capital to assets13.2069%1,473
Core capital (leverage) ratio13.2230%1,132
Tier 1 risk-based capital ratio22.4617%1,129
Total risk-based capital ratio23.6100%1,126
Memoranda:
Average total assets$148,544,3303,979
Average earning assets$140,987,3303,886
Average equity$19,933,6703,184
Average total loans$76,803,6704,545
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6252%6,488
Cost of funding earning assets1.1303%5,757
Net interest margin3.4949%5,181
Noninterest income to average assets0.5278%3,829
Noninterest expense to average assets2.7622%4,642
Loan and lease loss provision to assets0.1231%5,349
Net operating income to assets0.7008%3,440
Return on assets (ROA)0.7028%3,543
Pretax return on assets0.9517%3,260
Return on Equity (ROE)5.1945%4,260
Retained earnings to average equity (ytd only)5.1945%3,045
Net charge-offs to loans0.0991%4,428
Credit loss provision to net charge-offs236.8421%1,616
Earnings coverage of net charge-offs (x)20.6316%1,151
Efficiency ratio72.0399%3,926
Assets per employee ($millions)3.6849%4,608
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2963%4,955
Loan loss allowance to noncurrent loans38.8650%5,766
Noncurrent assets plus other real estate owned to assets1.7334%3,876
Noncurrent loans to loans3.3353%2,396
Net loans and leases to total assets51.2992%6,342
Net loans and leases to deposits61.0744%6,357
Net loans and leases to core deposits65.9325%6,287
Total domestic deposits to total assets83.9946%4,147
Equity capital to assets13.5372%1,306
Core capital (leverage) ratio13.3711%1,109
Tier 1 risk-based capital ratio22.9075%1,091
Total risk-based capital ratio24.0660%1,075
Memoranda:
Average total assets$146,262,0004,086
Average earning assets$138,371,5003,996
Average equity$19,790,0003,222
Average total loans$76,674,0004,623
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9578%6,561
Cost of funding earning assets1.4350%5,780
Net interest margin3.5228%4,855
Noninterest income to average assets0.5769%3,802
Noninterest expense to average assets2.7247%5,276
Loan and lease loss provision to assets0.1497%6,165
Net operating income to assets0.8080%2,507
Return on assets (ROA)0.8158%2,561
Pretax return on assets1.0490%2,419
Return on Equity (ROE)5.8279%3,283
Retained earnings to average equity (ytd only)1.4111%4,080
Net charge-offs to loans0.2403%5,119
Credit loss provision to net charge-offs114.7541%4,768
Earnings coverage of net charge-offs (x)9.1093%1,843
Efficiency ratio69.6246%4,711
Assets per employee ($millions)3.5398%4,921
Cash dividends to net income (ytd only)*75.7867%1,327
Condition Ratios (%)
Loss allowance to loans1.2600%4,988
Loan loss allowance to noncurrent loans46.6474%5,273
Noncurrent assets plus other real estate owned to assets1.4284%4,274
Noncurrent loans to loans2.7012%2,853
Net loans and leases to total assets52.2125%6,399
Net loans and leases to deposits62.0743%6,464
Net loans and leases to core deposits71.6544%6,680
Total domestic deposits to total assets84.1129%3,978
Equity capital to assets13.5237%1,310
Core capital (leverage) ratio13.6092%1,065
Tier 1 risk-based capital ratio22.9342%1,048
Total risk-based capital ratio24.0788%1,035
Memoranda:
Average total assets$140,234,4004,121
Average earning assets$132,821,0004,035
Average equity$19,629,6003,260
Average total loans$76,147,2004,647
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9923%6,624
Cost of funding earning assets1.4881%5,869
Net interest margin3.5042%4,848
Noninterest income to average assets0.5947%3,753
Noninterest expense to average assets2.7863%4,945
Loan and lease loss provision to assets0.1535%5,821
Net operating income to assets0.7520%3,016
Return on assets (ROA)0.7644%3,030
Pretax return on assets1.0004%2,901
Return on Equity (ROE)5.4133%3,783
Retained earnings to average equity (ytd only)3.2738%3,480
Net charge-offs to loans0.2368%4,570
Credit loss provision to net charge-offs118.5185%4,279
Earnings coverage of net charge-offs (x)8.7849%2,200
Efficiency ratio71.0095%4,421
Assets per employee ($millions)3.3615%5,232
Cash dividends to net income (ytd only)*39.5233%2,462
Condition Ratios (%)
Loss allowance to loans1.2490%4,840
Loan loss allowance to noncurrent loans51.6319%4,867
Noncurrent assets plus other real estate owned to assets1.3762%4,340
Noncurrent loans to loans2.4191%3,114
Net loans and leases to total assets54.0398%6,377
Net loans and leases to deposits65.0421%6,399
Net loans and leases to core deposits78.9297%6,424
Total domestic deposits to total assets83.0844%4,179
Equity capital to assets14.1795%1,245
Core capital (leverage) ratio14.1483%1,055
Tier 1 risk-based capital ratio23.2992%1,069
Total risk-based capital ratio24.4475%1,058
Memoranda:
Average total assets$139,010,5004,161
Average earning assets$132,065,7504,066
Average equity$19,630,2503,299
Average total loans$75,998,2504,694
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0198%6,704
Cost of funding earning assets1.5438%5,955
Net interest margin3.4759%4,913
Noninterest income to average assets0.5872%3,794
Noninterest expense to average assets2.7537%5,163
Loan and lease loss provision to assets0.1302%5,796
Net operating income to assets0.7550%3,020
Return on assets (ROA)0.7680%3,080
Pretax return on assets1.0225%2,918
Return on Equity (ROE)5.4460%3,886
Retained earnings to average equity (ytd only)2.2153%4,108
Net charge-offs to loans0.2382%4,009
Credit loss provision to net charge-offs100.0000%4,559
Earnings coverage of net charge-offs (x)8.7222%2,223
Efficiency ratio70.8070%4,621
Assets per employee ($millions)3.1377%5,748
Cash dividends to net income (ytd only)*59.3220%1,702
Condition Ratios (%)
Loss allowance to loans1.2240%4,790
Loan loss allowance to noncurrent loans50.5105%4,993
Noncurrent assets plus other real estate owned to assets1.3903%4,181
Noncurrent loans to loans2.4233%2,990
Net loans and leases to total assets53.7242%6,493
Net loans and leases to deposits64.2040%6,541
Net loans and leases to core deposits76.6395%6,635
Total domestic deposits to total assets83.6774%3,927
Equity capital to assets13.7786%1,394
Core capital (leverage) ratio14.0648%1,127
Tier 1 risk-based capital ratio23.0055%1,131
Total risk-based capital ratio24.1251%1,120
Memoranda:
Average total assets$138,286,3304,210
Average earning assets$131,360,3304,111
Average equity$19,500,6703,324
Average total loans$75,577,6704,752
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9944%6,943
Cost of funding earning assets1.6136%5,972
Net interest margin3.3808%5,210
Noninterest income to average assets0.5934%3,597
Noninterest expense to average assets2.7158%4,929
Loan and lease loss provision to assets0.1315%5,274
Net operating income to assets0.7264%3,435
Return on assets (ROA)0.7308%3,617
Pretax return on assets0.9676%3,476
Return on Equity (ROE)5.1220%4,421
Retained earnings to average equity (ytd only)5.1220%3,052
Net charge-offs to loans0.0213%5,259
Credit loss provision to net charge-offs1,125.0000%561
Earnings coverage of net charge-offs (x)93.5000%455
Efficiency ratio71.2970%4,311
Assets per employee ($millions)3.2339%5,504
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3332%3,900
Loan loss allowance to noncurrent loans56.3469%4,822
Noncurrent assets plus other real estate owned to assets1.3254%4,014
Noncurrent loans to loans2.3660%2,780
Net loans and leases to total assets52.2102%6,664
Net loans and leases to deposits62.7134%6,676
Net loans and leases to core deposits75.0882%6,740
Total domestic deposits to total assets83.2522%4,018
Equity capital to assets14.0784%1,339
Core capital (leverage) ratio14.2938%1,133
Tier 1 risk-based capital ratio24.1440%1,063
Total risk-based capital ratio25.3681%1,040
Memoranda:
Average total assets$136,831,0004,255
Average earning assets$130,146,5004,152
Average equity$19,523,5003,339
Average total loans$74,968,0004,810
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4719%7,360
Cost of funding earning assets1.9978%6,424
Net interest margin3.4741%5,385
Noninterest income to average assets0.6342%3,601
Noninterest expense to average assets2.6728%5,374
Loan and lease loss provision to assets0.0936%6,190
Net operating income to assets0.8451%3,240
Return on assets (ROA)0.8451%3,076
Pretax return on assets1.1325%2,907
Return on Equity (ROE)5.9182%3,975
Retained earnings to average equity (ytd only)1.4041%4,373
Net charge-offs to loans-0.1042%8,095
Credit loss provision to net charge-offs-157.5000%7,339
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5524%4,623
Assets per employee ($millions)3.2049%5,469
Cash dividends to net income (ytd only)*76.2742%1,888
Condition Ratios (%)
Loss allowance to loans1.2311%4,300
Loan loss allowance to noncurrent loans64.8276%4,772
Noncurrent assets plus other real estate owned to assets1.1530%3,963
Noncurrent loans to loans1.8991%2,903
Net loans and leases to total assets56.0254%6,437
Net loans and leases to deposits67.7018%6,489
Net loans and leases to core deposits80.7999%6,553
Total domestic deposits to total assets82.7532%3,876
Equity capital to assets14.4645%1,307
Core capital (leverage) ratio14.3720%1,171
Tier 1 risk-based capital ratio23.5278%1,135
Total risk-based capital ratio24.6859%1,117
Memoranda:
Average total assets$134,653,8004,195
Average earning assets$126,537,6004,117
Average equity$19,228,8003,359
Average total loans$76,804,2004,619