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Verimore Bank, 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 assets6.2820%847
Cost of funding earning assets2.4134%1,007
Net interest margin3.8686%1,530
Noninterest income to average assets0.2600%3,131
Noninterest expense to average assets2.2325%3,019
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.7437%699
Return on assets (ROA)1.7437%698
Pretax return on assets1.7437%1,038
Return on Equity (ROE)17.3500%710
Retained earnings to average equity (ytd only)4.6175%2,676
Net charge-offs to loans0.0082%1,945
Credit loss provision to net charge-offs-512.5000%4,430
Earnings coverage of net charge-offs (x)255.5000%344
Efficiency ratio56.0395%3,409
Assets per employee ($millions)7.3643%1,972
Cash dividends to net income (ytd only)*73.3855%745
Condition Ratios (%)
Loss allowance to loans1.2063%2,150
Loan loss allowance to noncurrent loans1,760.4478%464
Noncurrent assets plus other real estate owned to assets0.0569%3,282
Noncurrent loans to loans0.0685%3,332
Net loans and leases to total assets81.9800%402
Net loans and leases to deposits94.3176%744
Net loans and leases to core deposits103.2795%1,175
Total domestic deposits to total assets86.9200%1,957
Equity capital to assets10.0714%2,178
Core capital (leverage) ratio10.3912%2,502
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5643%2,020
Memoranda:
Average total assets$468,889,5001,864
Average earning assets$450,814,0001,811
Average equity$47,125,0001,838
Average total loans$389,916,5001,586
2024-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets55,765.0000%23
Cost of funding earning assets108.0000%21
Net interest margin0.0000%4,448
Noninterest income to average assets0.0000%4,443
Noninterest expense to average assets0.0000%4,477
Loan and lease loss provision to assetsNANA
Net operating income to assetsNANA
Return on assets (ROA)1.5407%842
Pretax return on assets1.5407%1,209
Return on Equity (ROE)15.1700%902
Retained earnings to average equity (ytd only)0.0000%3,901
Net charge-offs to loans8.0000%30
Credit loss provision to net charge-offs4.0000%2,527
Earnings coverage of net charge-offs (x)40.0000%1,343
Efficiency ratio12,000.0000%13
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*6.3045%3,273
Condition Ratios (%)
Loss allowance to loans1,887.0000%15
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assetsNANA
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assetsNANA
Net loans and leases to deposits0.0000%4,387
Net loans and leases to core deposits0.0086%4,374
Total domestic deposits to total assets0.0000%4,451
Equity capital to assets103,562.0000%23
Core capital (leverage) ratio0.0000%4,462
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$369,0004,498
Average earning assets$13,9524,458
Average equity$303,0004,448
Average total loansNANA
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3031%885
Cost of funding earning assets2.5846%1,012
Net interest margin3.7185%1,607
Noninterest income to average assets0.2800%3,175
Noninterest expense to average assets2.3016%2,793
Loan and lease loss provision to assets0.0300%2,381
Net operating income to assets1.5155%920
Return on assets (ROA)1.5102%925
Pretax return on assets1.5102%1,291
Return on Equity (ROE)14.8200%989
Retained earnings to average equity (ytd only)1.6172%3,563
Net charge-offs to loans-0.0022%3,707
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio59.6660%3,200
Assets per employee ($millions)6.9248%2,194
Cash dividends to net income (ytd only)*89.0913%361
Condition Ratios (%)
Loss allowance to loans1.2613%1,889
Loan loss allowance to noncurrent loans2,348.2759%376
Noncurrent assets plus other real estate owned to assets0.0451%3,418
Noncurrent loans to loans0.0537%3,432
Net loans and leases to total assets82.9100%332
Net loans and leases to deposits96.6387%676
Net loans and leases to core deposits106.2766%1,128
Total domestic deposits to total assets85.7900%2,012
Equity capital to assets10.2441%2,138
Core capital (leverage) ratio10.1840%2,689
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6305%2,039
Memoranda:
Average total assets$445,948,2501,908
Average earning assets$428,626,2501,856
Average equity$45,426,7501,829
Average total loans$371,991,0001,614
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1533%964
Cost of funding earning assets2.4774%1,123
Net interest margin3.6759%1,646
Noninterest income to average assets0.2800%3,143
Noninterest expense to average assets2.2805%2,843
Loan and lease loss provision to assets0.0500%1,906
Net operating income to assets1.4882%937
Return on assets (ROA)1.4783%950
Pretax return on assets1.4783%1,321
Return on Equity (ROE)14.5400%1,064
Retained earnings to average equity (ytd only)1.2655%3,545
Net charge-offs to loans-0.0016%3,600
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio59.6111%3,239
Assets per employee ($millions)7.3095%1,863
Cash dividends to net income (ytd only)*91.2964%473
Condition Ratios (%)
Loss allowance to loans1.2644%1,911
Loan loss allowance to noncurrent loans1,448.0243%575
Noncurrent assets plus other real estate owned to assets0.0726%3,173
Noncurrent loans to loans0.0873%3,220
Net loans and leases to total assets82.0900%469
Net loans and leases to deposits95.3572%841
Net loans and leases to core deposits104.3087%1,244
Total domestic deposits to total assets86.0900%1,951
Equity capital to assets9.9972%2,074
Core capital (leverage) ratio10.6249%2,276
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5683%2,046
Memoranda:
Average total assets$444,560,3331,910
Average earning assets$427,545,3331,848
Average equity$45,199,0001,815
Average total loans$370,004,0001,612
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1079%931
Cost of funding earning assets2.4536%1,070
Net interest margin3.6543%1,632
Noninterest income to average assets0.3400%2,684
Noninterest expense to average assets2.3096%2,770
Loan and lease loss provision to assets0.0600%1,561
Net operating income to assets1.4883%915
Return on assets (ROA)1.4855%927
Pretax return on assets1.4855%1,275
Return on Equity (ROE)14.4900%1,062
Retained earnings to average equity (ytd only)1.1961%3,446
Net charge-offs to loans0.0011%2,183
Credit loss provision to net charge-offs4,600.0000%88
Earnings coverage of net charge-offs (x)1,699.0000%41
Efficiency ratio59.8208%3,283
Assets per employee ($millions)6.5817%2,390
Cash dividends to net income (ytd only)*91.7431%604
Condition Ratios (%)
Loss allowance to loans1.2644%1,928
Loan loss allowance to noncurrent loans16,165.5172%92
Noncurrent assets plus other real estate owned to assets0.0067%3,779
Noncurrent loans to loans0.0078%3,744
Net loans and leases to total assets84.2800%250
Net loans and leases to deposits98.4806%561
Net loans and leases to core deposits107.8388%1,030
Total domestic deposits to total assets85.5800%2,232
Equity capital to assets10.4137%1,771
Core capital (leverage) ratio10.6010%2,252
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6456%2,011
Memoranda:
Average total assets$440,247,5001,925
Average earning assets$423,386,5001,871
Average equity$45,145,5001,802
Average total loans$366,614,0001,618
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6188%1,015
Cost of funding earning assets1.6144%1,655
Net interest margin4.0045%1,201
Noninterest income to average assets0.2600%3,376
Noninterest expense to average assets2.2974%2,864
Loan and lease loss provision to assets0.1000%1,286
Net operating income to assets1.7094%721
Return on assets (ROA)1.6990%699
Pretax return on assets1.6990%1,066
Return on Equity (ROE)16.5600%1,009
Retained earnings to average equity (ytd only)2.9958%3,271
Net charge-offs to loans0.0051%2,531
Credit loss provision to net charge-offs1,338.8889%318
Earnings coverage of net charge-offs (x)432.9444%329
Efficiency ratio55.8425%3,513
Assets per employee ($millions)6.8632%2,162
Cash dividends to net income (ytd only)*81.9113%540
Condition Ratios (%)
Loss allowance to loans1.2810%1,873
Loan loss allowance to noncurrent loans14,977.4194%99
Noncurrent assets plus other real estate owned to assets0.0069%3,750
Noncurrent loans to loans0.0086%3,710
Net loans and leases to total assets80.2100%622
Net loans and leases to deposits93.3610%987
Net loans and leases to core deposits99.8894%1,445
Total domestic deposits to total assets85.9100%2,050
Equity capital to assets10.0996%1,951
Core capital (leverage) ratio10.4807%2,360
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5945%2,029
Memoranda:
Average total assets$431,140,6001,914
Average earning assets$414,462,8001,860
Average equity$44,228,6001,753
Average total loans$351,194,0001,608
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4884%1,028
Cost of funding earning assets1.4119%1,838
Net interest margin4.0765%1,102
Noninterest income to average assets0.2600%3,384
Noninterest expense to average assets2.2972%2,800
Loan and lease loss provision to assets0.0400%2,145
Net operating income to assets1.8409%609
Return on assets (ROA)1.8399%603
Pretax return on assets1.8399%943
Return on Equity (ROE)17.8600%965
Retained earnings to average equity (ytd only)4.2341%3,194
Net charge-offs to loans0.0054%2,266
Credit loss provision to net charge-offs450.0000%683
Earnings coverage of net charge-offs (x)430.0000%342
Efficiency ratio54.9014%3,500
Assets per employee ($millions)6.6368%2,222
Cash dividends to net income (ytd only)*76.2970%524
Condition Ratios (%)
Loss allowance to loans1.2566%2,069
Loan loss allowance to noncurrent loans6,121.9178%200
Noncurrent assets plus other real estate owned to assets0.0167%3,667
Noncurrent loans to loans0.0205%3,616
Net loans and leases to total assets80.1700%620
Net loans and leases to deposits91.9320%1,056
Net loans and leases to core deposits97.7590%1,459
Total domestic deposits to total assets87.2000%1,828
Equity capital to assets10.1424%1,748
Core capital (leverage) ratio10.6336%2,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8108%1,966
Memoranda:
Average total assets$427,399,5001,928
Average earning assets$410,771,7501,870
Average equity$44,022,0001,749
Average total loans$348,379,5001,618
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3334%1,037
Cost of funding earning assets1.2290%1,905
Net interest margin4.1044%1,079
Noninterest income to average assets0.2600%3,340
Noninterest expense to average assets2.2857%2,857
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.9200%541
Return on assets (ROA)1.9167%539
Pretax return on assets1.9167%837
Return on Equity (ROE)18.5100%892
Retained earnings to average equity (ytd only)4.8397%2,981
Net charge-offs to loans0.0116%1,762
Credit loss provision to net charge-offs-285.0000%4,577
Earnings coverage of net charge-offs (x)203.4000%598
Efficiency ratio54.2303%3,588
Assets per employee ($millions)6.4041%2,378
Cash dividends to net income (ytd only)*73.8552%670
Condition Ratios (%)
Loss allowance to loans1.2533%2,161
Loan loss allowance to noncurrent loans5,428.7500%246
Noncurrent assets plus other real estate owned to assets0.0186%3,645
Noncurrent loans to loans0.0231%3,596
Net loans and leases to total assets79.7500%662
Net loans and leases to deposits91.6050%1,053
Net loans and leases to core deposits96.6202%1,431
Total domestic deposits to total assets87.0600%1,912
Equity capital to assets10.2812%1,697
Core capital (leverage) ratio11.2399%1,769
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9680%1,910
Memoranda:
Average total assets$423,855,6671,937
Average earning assets$407,317,0001,886
Average equity$43,887,0001,754
Average total loans$345,963,0001,615
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2368%906
Cost of funding earning assets1.0885%1,785
Net interest margin4.1484%1,033
Noninterest income to average assets0.2600%3,365
Noninterest expense to average assets2.2638%2,917
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.9846%504
Return on assets (ROA)1.9817%498
Pretax return on assets1.9817%807
Return on Equity (ROE)19.0700%879
Retained earnings to average equity (ytd only)5.3640%2,934
Net charge-offs to loans-0.0012%3,330
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio53.1858%3,686
Assets per employee ($millions)5.9940%2,765
Cash dividends to net income (ytd only)*71.8735%762
Condition Ratios (%)
Loss allowance to loans1.2685%2,191
Loan loss allowance to noncurrent loans6,417.6471%241
Noncurrent assets plus other real estate owned to assets0.0175%3,645
Noncurrent loans to loans0.0198%3,638
Net loans and leases to total assets87.1800%100
Net loans and leases to deposits98.5139%511
Net loans and leases to core deposits102.9278%968
Total domestic deposits to total assets88.5000%1,739
Equity capital to assets11.2670%1,241
Core capital (leverage) ratio10.8444%1,959
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0979%1,948
Memoranda:
Average total assets$421,245,5001,973
Average earning assets$404,979,5001,919
Average equity$43,773,5001,772
Average total loans$345,676,0001,633
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5409%675
Cost of funding earning assets0.6013%898
Net interest margin3.9396%877
Noninterest income to average assets0.2400%3,705
Noninterest expense to average assets2.2641%2,853
Loan and lease loss provision to assets0.1100%1,145
Net operating income to assets1.6725%572
Return on assets (ROA)1.6720%545
Pretax return on assets1.6720%987
Return on Equity (ROE)17.3200%806
Retained earnings to average equity (ytd only)7.0165%2,238
Net charge-offs to loans0.0094%2,029
Credit loss provision to net charge-offs1,582.7586%309
Earnings coverage of net charge-offs (x)247.7241%551
Efficiency ratio55.7588%3,601
Assets per employee ($millions)6.8619%2,073
Cash dividends to net income (ytd only)*59.4972%979
Condition Ratios (%)
Loss allowance to loans1.1802%2,490
Loan loss allowance to noncurrent loans2,029.2079%597
Noncurrent assets plus other real estate owned to assets0.0446%3,361
Noncurrent loans to loans0.0582%3,339
Net loans and leases to total assets75.7800%1,030
Net loans and leases to deposits84.0627%1,472
Net loans and leases to core deposits87.0010%1,682
Total domestic deposits to total assets90.1500%1,294
Equity capital to assets9.6382%1,922
Core capital (leverage) ratio10.0944%2,551
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3454%2,222
Memoranda:
Average total assets$402,095,0002,027
Average earning assets$389,150,6001,948
Average equity$38,808,4001,962
Average total loans$309,160,6001,681
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3222%694
Cost of funding earning assets0.4250%1,120
Net interest margin3.8972%809
Noninterest income to average assets0.2400%3,728
Noninterest expense to average assets2.2194%2,877
Loan and lease loss provision to assets0.0600%1,588
Net operating income to assets1.7308%492
Return on assets (ROA)1.7291%484
Pretax return on assets1.7291%851
Return on Equity (ROE)17.9100%653
Retained earnings to average equity (ytd only)3.7235%3,542
Net charge-offs to loans-0.0187%3,973
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio55.1754%3,699
Assets per employee ($millions)6.9028%2,016
Cash dividends to net income (ytd only)*79.2079%419
Condition Ratios (%)
Loss allowance to loans1.1406%2,836
Loan loss allowance to noncurrent loans8,651.1111%165
Noncurrent assets plus other real estate owned to assets0.0102%3,878
Noncurrent loans to loans0.0132%3,841
Net loans and leases to total assets76.3800%869
Net loans and leases to deposits83.5667%1,333
Net loans and leases to core deposits86.4571%1,502
Total domestic deposits to total assets91.4000%1,078
Equity capital to assets8.4349%2,590
Core capital (leverage) ratio9.4792%3,097
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3374%2,707
Memoranda:
Average total assets$389,397,7502,079
Average earning assets$377,425,0002,017
Average equity$37,598,0002,040
Average total loans$299,621,5001,714
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1640%687
Cost of funding earning assets0.3612%1,186
Net interest margin3.8029%750
Noninterest income to average assets0.2328%3,784
Noninterest expense to average assets2.2896%2,579
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.6406%496
Return on assets (ROA)1.6379%491
Pretax return on assets1.6379%868
Return on Equity (ROE)16.1552%678
Retained earnings to average equity (ytd only)1.5699%3,866
Net charge-offs to loans-0.0252%3,980
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1064%3,544
Assets per employee ($millions)6.1808%2,583
Cash dividends to net income (ytd only)*90.2823%465
Condition Ratios (%)
Loss allowance to loans1.1723%2,835
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets82.8414%248
Net loans and leases to deposits92.1242%605
Net loans and leases to core deposits95.8312%839
Total domestic deposits to total assets89.9236%1,740
Equity capital to assets9.9119%1,759
Core capital (leverage) ratio10.0694%2,313
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2534%2,393
Memoranda:
Average total assets$371,936,6672,152
Average earning assets$361,621,0002,095
Average equity$37,709,3332,086
Average total loans$285,723,0001,774
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7285%1,224
Cost of funding earning assets0.3694%1,063
Net interest margin3.3591%1,416
Noninterest income to average assets0.2371%3,722
Noninterest expense to average assets2.2827%2,567
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.2236%1,187
Return on assets (ROA)1.2226%1,173
Pretax return on assets1.2226%1,722
Return on Equity (ROE)11.9223%1,335
Retained earnings to average equity (ytd only)-3.9178%4,368
Net charge-offs to loans-0.0163%3,799
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9475%2,916
Assets per employee ($millions)5.9554%2,848
Cash dividends to net income (ytd only)*132.8609%364
Condition Ratios (%)
Loss allowance to loans1.3265%2,230
Loan loss allowance to noncurrent loans4,658.2278%281
Noncurrent assets plus other real estate owned to assets0.0214%3,830
Noncurrent loans to loans0.0285%3,791
Net loans and leases to total assets74.1406%649
Net loans and leases to deposits82.5777%975
Net loans and leases to core deposits86.1280%1,123
Total domestic deposits to total assets89.7828%1,680
Equity capital to assets10.1072%1,822
Core capital (leverage) ratio10.1101%2,176
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8314%1,862
Memoranda:
Average total assets$369,390,0002,170
Average earning assets$359,504,0002,115
Average equity$37,878,5002,133
Average total loans$270,563,5001,835
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4621%635
Cost of funding earning assets0.4784%1,015
Net interest margin3.9837%737
Noninterest income to average assets0.2425%3,922
Noninterest expense to average assets2.2897%2,825
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.8145%492
Return on assets (ROA)1.8314%496
Pretax return on assets1.8314%851
Return on Equity (ROE)18.0660%461
Retained earnings to average equity (ytd only)10.5465%794
Net charge-offs to loans0.0071%2,310
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)327.3000%379
Efficiency ratio55.6396%3,741
Assets per employee ($millions)5.7742%2,987
Cash dividends to net income (ytd only)*41.6225%1,954
Condition Ratios (%)
Loss allowance to loans1.3914%1,946
Loan loss allowance to noncurrent loans3,743.8776%334
Noncurrent assets plus other real estate owned to assets0.0327%3,801
Noncurrent loans to loans0.0372%3,811
Net loans and leases to total assets70.3635%1,000
Net loans and leases to deposits78.6871%1,330
Net loans and leases to core deposits82.0476%1,457
Total domestic deposits to total assets89.4219%1,283
Equity capital to assets10.4014%2,262
Core capital (leverage) ratio10.1338%2,241
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1019%1,481
Memoranda:
Average total assets$360,752,6002,148
Average earning assets$349,702,4002,084
Average equity$36,571,4002,221
Average total loans$281,346,0001,782
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4713%705
Cost of funding earning assets0.4981%1,055
Net interest margin3.9732%833
Noninterest income to average assets0.2503%3,896
Noninterest expense to average assets2.2040%3,058
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.8931%565
Return on assets (ROA)1.9050%574
Pretax return on assets1.9050%939
Return on Equity (ROE)18.9186%525
Retained earnings to average equity (ytd only)10.6096%1,147
Net charge-offs to loans0.0051%2,145
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)462.8182%319
Efficiency ratio53.6486%3,851
Assets per employee ($millions)5.9150%2,777
Cash dividends to net income (ytd only)*43.9196%1,446
Condition Ratios (%)
Loss allowance to loans1.3299%2,333
Loan loss allowance to noncurrent loans3,374.3119%316
Noncurrent assets plus other real estate owned to assets0.0499%3,820
Noncurrent loans to loans0.0394%3,929
Net loans and leases to total assets73.2269%750
Net loans and leases to deposits82.5368%1,063
Net loans and leases to core deposits88.0392%1,147
Total domestic deposits to total assets88.7203%1,447
Equity capital to assets10.0778%2,824
Core capital (leverage) ratio10.0774%2,420
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3872%1,834
Memoranda:
Average total assets$358,553,7502,180
Average earning assets$347,150,2502,116
Average equity$36,104,7502,270
Average total loans$285,758,5001,790
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5422%684
Cost of funding earning assets0.5138%1,127
Net interest margin4.0284%783
Noninterest income to average assets0.2577%3,848
Noninterest expense to average assets2.1839%3,141
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.9692%512
Return on assets (ROA)1.9906%521
Pretax return on assets1.9906%853
Return on Equity (ROE)19.7745%470
Retained earnings to average equity (ytd only)11.3526%1,048
Net charge-offs to loans-0.0048%3,422
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.4360%3,998
Assets per employee ($millions)5.8912%2,723
Cash dividends to net income (ytd only)*42.5894%1,491
Condition Ratios (%)
Loss allowance to loans1.2608%2,635
Loan loss allowance to noncurrent loans1,687.6712%482
Noncurrent assets plus other real estate owned to assets0.0600%3,829
Noncurrent loans to loans0.0747%3,810
Net loans and leases to total assets79.2433%362
Net loans and leases to deposits89.3248%692
Net loans and leases to core deposits96.8954%767
Total domestic deposits to total assets88.7137%1,440
Equity capital to assets10.0524%2,806
Core capital (leverage) ratio10.0034%2,396
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7759%2,068
Memoranda:
Average total assets$353,857,6672,186
Average earning assets$342,171,6672,128
Average equity$35,621,6672,287
Average total loans$288,827,3331,789
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6554%603
Cost of funding earning assets0.5295%1,207
Net interest margin4.1258%697
Noninterest income to average assets0.2700%3,783
Noninterest expense to average assets2.2633%2,897
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.9991%570
Return on assets (ROA)2.0416%584
Pretax return on assets2.0416%889
Return on Equity (ROE)20.2657%510
Retained earnings to average equity (ytd only)8.8613%1,996
Net charge-offs to loans-0.0056%3,434
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9650%3,917
Assets per employee ($millions)5.7362%2,869
Cash dividends to net income (ytd only)*56.2746%972
Condition Ratios (%)
Loss allowance to loans1.2760%2,548
Loan loss allowance to noncurrent loans1,448.2353%500
Noncurrent assets plus other real estate owned to assets0.0717%3,859
Noncurrent loans to loans0.0881%3,865
Net loans and leases to total assets80.3434%320
Net loans and leases to deposits90.6607%664
Net loans and leases to core deposits97.4158%825
Total domestic deposits to total assets88.6199%1,546
Equity capital to assets9.9593%2,739
Core capital (leverage) ratio10.0435%2,498
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6016%2,044
Memoranda:
Average total assets$348,158,5002,200
Average earning assets$336,902,0002,141
Average equity$35,074,0002,300
Average total loans$286,672,5001,801
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5937%1,110
Cost of funding earning assets0.8421%1,045
Net interest margin3.7516%1,639
Noninterest income to average assets0.2968%3,709
Noninterest expense to average assets2.3181%3,360
Loan and lease loss provision to assets0.2334%1,669
Net operating income to assets1.3697%1,086
Return on assets (ROA)1.3778%1,162
Pretax return on assets1.3778%1,734
Return on Equity (ROE)14.4233%729
Retained earnings to average equity (ytd only)11.1972%416
Net charge-offs to loans-0.0211%4,438
Credit loss provision to net charge-offs-1,392.8571%4,122
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9501%3,597
Assets per employee ($millions)5.4075%2,943
Cash dividends to net income (ytd only)*22.3670%3,145
Condition Ratios (%)
Loss allowance to loans1.2993%2,415
Loan loss allowance to noncurrent loans78.8248%3,618
Noncurrent assets plus other real estate owned to assets1.3796%566
Noncurrent loans to loans1.6484%795
Net loans and leases to total assets82.2568%273
Net loans and leases to deposits93.1385%711
Net loans and leases to core deposits99.2379%944
Total domestic deposits to total assets88.3166%1,320
Equity capital to assets10.1940%2,933
Core capital (leverage) ratio10.0353%2,575
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2387%2,150
Memoranda:
Average total assets$334,240,0002,118
Average earning assets$322,900,2002,069
Average equity$31,927,6002,392
Average total loans$265,191,4001,852
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6496%1,185
Cost of funding earning assets0.9147%1,020
Net interest margin3.7349%1,816
Noninterest income to average assets0.3082%3,647
Noninterest expense to average assets2.3529%3,280
Loan and lease loss provision to assets0.3127%1,279
Net operating income to assets1.2498%1,484
Return on assets (ROA)1.2606%1,566
Pretax return on assets1.2606%2,191
Return on Equity (ROE)13.4280%995
Retained earnings to average equity (ytd only)10.6314%648
Net charge-offs to loans-0.0031%3,952
Credit loss provision to net charge-offs-13,000.0000%4,378
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9304%3,400
Assets per employee ($millions)5.3477%2,837
Cash dividends to net income (ytd only)*20.8267%2,739
Condition Ratios (%)
Loss allowance to loans1.2704%2,292
Loan loss allowance to noncurrent loans57.1272%3,930
Noncurrent assets plus other real estate owned to assets1.8916%374
Noncurrent loans to loans2.2239%520
Net loans and leases to total assets83.9411%285
Net loans and leases to deposits95.4577%799
Net loans and leases to core deposits103.1605%974
Total domestic deposits to total assets87.9354%1,238
Equity capital to assets9.7598%3,472
Core capital (leverage) ratio9.4913%3,277
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5089%2,409
Memoranda:
Average total assets$332,632,2502,107
Average earning assets$321,251,7502,052
Average equity$31,227,5002,412
Average total loans$260,510,7501,856
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8289%1,102
Cost of funding earning assets0.9930%1,004
Net interest margin3.8358%1,726
Noninterest income to average assets0.3526%3,366
Noninterest expense to average assets2.3798%3,309
Loan and lease loss provision to assets0.4625%824
Net operating income to assets1.2168%1,595
Return on assets (ROA)1.2228%1,699
Pretax return on assets1.2228%2,285
Return on Equity (ROE)13.2024%1,055
Retained earnings to average equity (ytd only)11.3768%552
Net charge-offs to loans-0.0175%4,367
Credit loss provision to net charge-offs-3,481.8182%4,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4647%3,635
Assets per employee ($millions)5.6485%2,493
Cash dividends to net income (ytd only)*13.8272%2,943
Condition Ratios (%)
Loss allowance to loans1.3349%1,854
Loan loss allowance to noncurrent loans56.7488%3,951
Noncurrent assets plus other real estate owned to assets1.8030%438
Noncurrent loans to loans2.3523%522
Net loans and leases to total assets75.6247%1,197
Net loans and leases to deposits85.1632%1,860
Net loans and leases to core deposits90.1648%2,063
Total domestic deposits to total assets88.7997%822
Equity capital to assets9.0264%4,072
Core capital (leverage) ratio8.8528%4,068
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8136%2,684
Memoranda:
Average total assets$331,208,3332,090
Average earning assets$320,034,0002,027
Average equity$30,676,3332,430
Average total loans$251,867,6671,890
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6321%1,901
Cost of funding earning assets1.1421%925
Net interest margin3.4899%3,013
Noninterest income to average assets0.5030%2,536
Noninterest expense to average assets2.4485%3,434
Loan and lease loss provision to assets0.1330%2,065
Net operating income to assets1.2945%1,259
Return on assets (ROA)1.3083%1,320
Pretax return on assets1.3083%1,850
Return on Equity (ROE)13.9280%712
Retained earnings to average equity (ytd only)13.9280%261
Net charge-offs to loans-0.0298%4,471
Credit loss provision to net charge-offs-588.8889%3,420
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0097%3,370
Assets per employee ($millions)5.4487%2,175
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2164%2,578
Loan loss allowance to noncurrent loans45.8706%4,158
Noncurrent assets plus other real estate owned to assets1.9211%450
Noncurrent loans to loans2.6518%434
Net loans and leases to total assets71.5670%1,987
Net loans and leases to deposits81.0233%2,579
Net loans and leases to core deposits86.2136%2,662
Total domestic deposits to total assets88.3290%963
Equity capital to assets8.9743%4,614
Core capital (leverage) ratio9.2616%4,214
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9577%2,723
Memoranda:
Average total assets$318,884,5002,097
Average earning assets$308,199,5002,032
Average equity$29,954,0002,456
Average total loans$241,423,5001,917
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0504%1,343
Cost of funding earning assets1.1413%1,189
Net interest margin3.9091%2,142
Noninterest income to average assets0.2981%3,897
Noninterest expense to average assets2.5659%3,271
Loan and lease loss provision to assets0.0686%2,642
Net operating income to assets1.4264%1,253
Return on assets (ROA)1.4313%1,307
Pretax return on assets1.4313%2,037
Return on Equity (ROE)14.6971%748
Retained earnings to average equity (ytd only)9.6129%566
Net charge-offs to loans0.0207%3,000
Credit loss provision to net charge-offs421.7391%675
Earnings coverage of net charge-offs (x)91.8913%722
Efficiency ratio63.0117%3,218
Assets per employee ($millions)5.0839%2,473
Cash dividends to net income (ytd only)*34.5935%2,870
Condition Ratios (%)
Loss allowance to loans1.1982%2,444
Loan loss allowance to noncurrent loans43.5440%4,205
Noncurrent assets plus other real estate owned to assets2.2204%327
Noncurrent loans to loans2.7518%377
Net loans and leases to total assets78.4297%1,007
Net loans and leases to deposits90.0651%1,583
Net loans and leases to core deposits97.6660%1,756
Total domestic deposits to total assets87.0812%1,564
Equity capital to assets9.8653%4,045
Core capital (leverage) ratio9.8037%3,728
Tier 1 risk-based capital ratio12.2670%4,206
Total risk-based capital ratio13.4722%4,106
Memoranda:
Average total assets$282,745,4002,264
Average earning assets$272,157,2002,195
Average equity$27,536,0002,528
Average total loans$222,487,2002,013
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0257%1,476
Cost of funding earning assets1.1176%1,280
Net interest margin3.9081%2,222
Noninterest income to average assets0.2964%3,965
Noninterest expense to average assets2.5556%3,284
Loan and lease loss provision to assets0.0517%2,872
Net operating income to assets1.4499%1,330
Return on assets (ROA)1.4557%1,369
Pretax return on assets1.4557%2,095
Return on Equity (ROE)14.9996%775
Retained earnings to average equity (ytd only)9.8188%799
Net charge-offs to loans0.0165%2,817
Credit loss provision to net charge-offs400.0000%752
Earnings coverage of net charge-offs (x)116.1453%670
Efficiency ratio62.7995%3,200
Assets per employee ($millions)5.0309%2,522
Cash dividends to net income (ytd only)*34.5396%2,410
Condition Ratios (%)
Loss allowance to loans1.2231%2,385
Loan loss allowance to noncurrent loans51.0256%4,162
Noncurrent assets plus other real estate owned to assets1.9385%466
Noncurrent loans to loans2.3970%502
Net loans and leases to total assets78.4612%1,063
Net loans and leases to deposits90.5020%1,634
Net loans and leases to core deposits97.3811%1,865
Total domestic deposits to total assets86.6956%1,683
Equity capital to assets9.9835%4,034
Core capital (leverage) ratio9.9060%3,732
Tier 1 risk-based capital ratio12.5503%4,114
Total risk-based capital ratio13.7958%3,992
Memoranda:
Average total assets$278,444,2502,298
Average earning assets$267,951,5002,239
Average equity$27,022,2502,574
Average total loans$218,583,2502,051
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9611%1,583
Cost of funding earning assets1.0991%1,309
Net interest margin3.8620%2,361
Noninterest income to average assets0.2975%3,951
Noninterest expense to average assets2.4747%3,560
Loan and lease loss provision to assets0.0530%2,760
Net operating income to assets1.4866%1,185
Return on assets (ROA)1.4866%1,233
Pretax return on assets1.4866%1,903
Return on Equity (ROE)15.4719%673
Retained earnings to average equity (ytd only)10.1863%705
Net charge-offs to loans0.0037%3,027
Credit loss provision to net charge-offs1,825.0000%208
Earnings coverage of net charge-offs (x)530.5000%142
Efficiency ratio61.4495%3,515
Assets per employee ($millions)5.6096%1,862
Cash dividends to net income (ytd only)*34.1630%2,455
Condition Ratios (%)
Loss allowance to loans1.2737%2,122
Loan loss allowance to noncurrent loans167.6133%2,452
Noncurrent assets plus other real estate owned to assets0.6892%1,990
Noncurrent loans to loans0.7599%2,080
Net loans and leases to total assets76.6591%1,440
Net loans and leases to deposits89.2270%1,830
Net loans and leases to core deposits95.9871%2,071
Total domestic deposits to total assets85.9148%2,079
Equity capital to assets9.7444%4,197
Core capital (leverage) ratio9.8681%3,741
Tier 1 risk-based capital ratio12.4986%4,127
Total risk-based capital ratio13.7490%4,016
Memoranda:
Average total assets$275,671,6702,320
Average earning assets$265,305,0002,270
Average equity$26,486,6702,601
Average total loans$215,516,6702,077
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8788%1,659
Cost of funding earning assets1.0644%1,314
Net interest margin3.8144%2,471
Noninterest income to average assets0.3074%3,819
Noninterest expense to average assets2.4620%3,602
Loan and lease loss provision to assets0.0951%1,837
Net operating income to assets1.4169%1,331
Return on assets (ROA)1.4169%1,360
Pretax return on assets1.4169%2,024
Return on Equity (ROE)14.8555%779
Retained earnings to average equity (ytd only)9.4842%1,169
Net charge-offs to loans-0.0112%4,265
Credit loss provision to net charge-offs-1,083.3333%3,946
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7680%3,573
Assets per employee ($millions)5.6663%1,825
Cash dividends to net income (ytd only)*36.1570%2,038
Condition Ratios (%)
Loss allowance to loans1.3005%2,090
Loan loss allowance to noncurrent loans173.5000%2,415
Noncurrent assets plus other real estate owned to assets0.6449%2,157
Noncurrent loans to loans0.7495%2,156
Net loans and leases to total assets74.3649%1,737
Net loans and leases to deposits86.9853%2,002
Net loans and leases to core deposits93.7616%2,149
Total domestic deposits to total assets85.4914%2,488
Equity capital to assets9.3444%4,393
Core capital (leverage) ratio9.6774%3,943
Tier 1 risk-based capital ratio12.4447%4,208
Total risk-based capital ratio13.6954%4,068
Memoranda:
Average total assets$273,268,5002,357
Average earning assets$262,686,0002,298
Average equity$26,064,5002,635
Average total loans$214,382,0002,100
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1658%743
Cost of funding earning assets0.7445%1,824
Net interest margin4.4213%892
Noninterest income to average assets0.3357%3,870
Noninterest expense to average assets2.5947%3,352
Loan and lease loss provision to assets0.1340%1,617
Net operating income to assets1.8566%497
Return on assets (ROA)1.8566%493
Pretax return on assets1.8566%801
Return on Equity (ROE)19.1925%301
Retained earnings to average equity (ytd only)12.6572%268
Net charge-offs to loans0.0036%3,605
Credit loss provision to net charge-offs4,500.0000%111
Earnings coverage of net charge-offs (x)668.4286%165
Efficiency ratio56.5411%4,338
Assets per employee ($millions)5.2644%2,190
Cash dividends to net income (ytd only)*34.0513%2,844
Condition Ratios (%)
Loss allowance to loans1.2564%2,265
Loan loss allowance to noncurrent loans812.3123%733
Noncurrent assets plus other real estate owned to assets0.2298%3,681
Noncurrent loans to loans0.1547%4,046
Net loans and leases to total assets80.7668%829
Net loans and leases to deposits97.5744%937
Net loans and leases to core deposits108.0967%1,110
Total domestic deposits to total assets82.7746%3,402
Equity capital to assets9.7465%3,910
Core capital (leverage) ratio9.8489%3,747
Tier 1 risk-based capital ratio12.2586%4,258
Total risk-based capital ratio13.5092%4,152
Memoranda:
Average total assets$235,057,4002,575
Average earning assets$225,927,4002,515
Average equity$22,738,0002,847
Average total loans$194,501,4002,214
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1175%730
Cost of funding earning assets0.6793%1,977
Net interest margin4.4382%829
Noninterest income to average assets0.3427%3,854
Noninterest expense to average assets2.5600%3,413
Loan and lease loss provision to assets0.0936%2,106
Net operating income to assets1.9600%423
Return on assets (ROA)1.9600%418
Pretax return on assets1.9600%699
Return on Equity (ROE)20.3066%255
Retained earnings to average equity (ytd only)13.4246%311
Net charge-offs to loans0.0099%3,072
Credit loss provision to net charge-offs1,142.8571%363
Earnings coverage of net charge-offs (x)250.8061%369
Efficiency ratio55.4880%4,446
Assets per employee ($millions)5.2499%2,169
Cash dividends to net income (ytd only)*33.8903%2,363
Condition Ratios (%)
Loss allowance to loans1.2072%2,586
Loan loss allowance to noncurrent loans772.9483%741
Noncurrent assets plus other real estate owned to assets0.2505%3,706
Noncurrent loans to loans0.1562%4,176
Net loans and leases to total assets84.3427%417
Net loans and leases to deposits99.6710%816
Net loans and leases to core deposits110.6378%994
Total domestic deposits to total assets84.6211%2,753
Equity capital to assets9.3865%4,194
Core capital (leverage) ratio9.3875%4,293
Tier 1 risk-based capital ratio11.7265%4,647
Total risk-based capital ratio12.9768%4,539
Memoranda:
Average total assets$228,016,2502,642
Average earning assets$219,424,5002,581
Average equity$22,008,7502,918
Average total loans$189,301,5002,260
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9690%875
Cost of funding earning assets0.6654%1,837
Net interest margin4.3036%1,026
Noninterest income to average assets0.3310%3,971
Noninterest expense to average assets2.6072%3,306
Loan and lease loss provision to assets0.1109%1,777
Net operating income to assets1.7540%646
Return on assets (ROA)1.7540%649
Pretax return on assets1.7540%1,088
Return on Equity (ROE)17.9887%418
Retained earnings to average equity (ytd only)10.7192%728
Net charge-offs to loans0.0099%2,786
Credit loss provision to net charge-offs1,366.6667%307
Earnings coverage of net charge-offs (x)229.7778%387
Efficiency ratio58.2980%4,185
Assets per employee ($millions)4.9364%2,498
Cash dividends to net income (ytd only)*40.4113%2,103
Condition Ratios (%)
Loss allowance to loans1.2427%2,474
Loan loss allowance to noncurrent loans749.5522%782
Noncurrent assets plus other real estate owned to assets0.3386%3,396
Noncurrent loans to loans0.1658%4,165
Net loans and leases to total assets82.4985%652
Net loans and leases to deposits94.4508%1,305
Net loans and leases to core deposits105.0490%1,309
Total domestic deposits to total assets87.3455%1,707
Equity capital to assets9.1665%4,417
Core capital (leverage) ratio9.7777%3,810
Tier 1 risk-based capital ratio11.6035%4,741
Total risk-based capital ratio12.8539%4,617
Memoranda:
Average total assets$221,772,6702,715
Average earning assets$213,402,0002,640
Average equity$21,624,6702,959
Average total loans$182,183,3302,333
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9451%789
Cost of funding earning assets0.6607%1,655
Net interest margin4.2844%973
Noninterest income to average assets0.3457%3,830
Noninterest expense to average assets2.6753%3,113
Loan and lease loss provision to assets0.0661%2,449
Net operating income to assets1.7212%660
Return on assets (ROA)1.7212%669
Pretax return on assets1.7212%1,065
Return on Equity (ROE)17.0671%504
Retained earnings to average equity (ytd only)7.9622%1,853
Net charge-offs to loans-0.0557%5,017
Credit loss provision to net charge-offs-145.8333%3,752
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9492%4,072
Assets per employee ($millions)4.4427%3,259
Cash dividends to net income (ytd only)*53.3480%1,439
Condition Ratios (%)
Loss allowance to loans1.3808%1,913
Loan loss allowance to noncurrent loans507.4380%1,088
Noncurrent assets plus other real estate owned to assets0.4203%3,152
Noncurrent loans to loans0.2721%3,794
Net loans and leases to total assets80.5800%858
Net loans and leases to deposits94.5114%1,185
Net loans and leases to core deposits106.6955%1,194
Total domestic deposits to total assets85.2595%2,834
Equity capital to assets9.8657%3,737
Core capital (leverage) ratio10.2869%3,200
Tier 1 risk-based capital ratio12.7192%4,103
Total risk-based capital ratio13.9708%4,001
Memoranda:
Average total assets$211,718,0002,828
Average earning assets$203,434,0002,756
Average equity$21,351,0003,007
Average total loans$172,245,0002,445
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7869%1,002
Cost of funding earning assets0.6964%1,044
Net interest margin4.0905%1,477
Noninterest income to average assets0.3683%3,836
Noninterest expense to average assets2.5807%3,505
Loan and lease loss provision to assets0.1262%1,813
Net operating income to assets1.5788%679
Return on assets (ROA)1.5749%699
Pretax return on assets1.5749%1,364
Return on Equity (ROE)15.7913%504
Retained earnings to average equity (ytd only)9.8825%368
Net charge-offs to loans0.0915%2,171
Credit loss provision to net charge-offs172.4832%1,570
Earnings coverage of net charge-offs (x)23.3020%1,812
Efficiency ratio60.2154%4,231
Assets per employee ($millions)4.2863%3,509
Cash dividends to net income (ytd only)*37.4181%2,974
Condition Ratios (%)
Loss allowance to loans1.4386%1,621
Loan loss allowance to noncurrent loans322.1774%1,582
Noncurrent assets plus other real estate owned to assets0.3908%3,296
Noncurrent loans to loans0.4465%3,179
Net loans and leases to total assets79.8180%986
Net loans and leases to deposits93.1755%1,369
Net loans and leases to core deposits105.0322%1,340
Total domestic deposits to total assets85.6642%2,591
Equity capital to assets10.3163%3,373
Core capital (leverage) ratio10.0501%3,392
Tier 1 risk-based capital ratio13.4404%3,663
Total risk-based capital ratio14.6939%3,569
Memoranda:
Average total assets$203,630,4002,893
Average earning assets$195,011,2002,813
Average equity$20,308,6003,110
Average total loans$162,873,4002,513
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7532%1,017
Cost of funding earning assets0.6873%1,026
Net interest margin4.0660%1,496
Noninterest income to average assets0.3611%3,949
Noninterest expense to average assets2.5031%3,722
Loan and lease loss provision to assets0.1333%1,629
Net operating income to assets1.6162%686
Return on assets (ROA)1.6110%711
Pretax return on assets1.6110%1,374
Return on Equity (ROE)16.2948%493
Retained earnings to average equity (ytd only)10.3187%523
Net charge-offs to loans0.0156%3,210
Credit loss provision to net charge-offs1,068.4211%338
Earnings coverage of net charge-offs (x)140.2779%565
Efficiency ratio58.8608%4,378
Assets per employee ($millions)4.4160%3,288
Cash dividends to net income (ytd only)*36.6748%2,437
Condition Ratios (%)
Loss allowance to loans1.5151%1,479
Loan loss allowance to noncurrent loans368.5544%1,361
Noncurrent assets plus other real estate owned to assets0.3449%3,660
Noncurrent loans to loans0.4111%3,472
Net loans and leases to total assets75.8367%1,616
Net loans and leases to deposits89.8121%1,830
Net loans and leases to core deposits101.5971%1,574
Total domestic deposits to total assets84.4393%2,944
Equity capital to assets9.8816%4,047
Core capital (leverage) ratio9.9220%3,666
Tier 1 risk-based capital ratio14.4777%3,198
Total risk-based capital ratio15.7336%3,106
Memoranda:
Average total assets$203,102,2502,921
Average earning assets$194,389,7502,846
Average equity$20,079,5003,157
Average total loans$161,937,5002,535
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7471%971
Cost of funding earning assets0.6737%1,027
Net interest margin4.0734%1,395
Noninterest income to average assets0.3667%3,932
Noninterest expense to average assets2.4942%3,771
Loan and lease loss provision to assets0.1699%1,152
Net operating income to assets1.5998%711
Return on assets (ROA)1.5958%735
Pretax return on assets1.5958%1,361
Return on Equity (ROE)16.1389%510
Retained earnings to average equity (ytd only)10.0755%572
Net charge-offs to loans0.0235%2,754
Credit loss provision to net charge-offs894.7368%417
Earnings coverage of net charge-offs (x)93.2105%686
Efficiency ratio58.4954%4,530
Assets per employee ($millions)4.4872%3,127
Cash dividends to net income (ytd only)*37.5704%2,438
Condition Ratios (%)
Loss allowance to loans1.4723%1,675
Loan loss allowance to noncurrent loans354.1364%1,374
Noncurrent assets plus other real estate owned to assets0.4066%3,483
Noncurrent loans to loans0.4158%3,530
Net loans and leases to total assets80.8639%827
Net loans and leases to deposits97.5237%937
Net loans and leases to core deposits110.8409%963
Total domestic deposits to total assets82.9172%3,594
Equity capital to assets10.1069%3,787
Core capital (leverage) ratio10.0467%3,483
Tier 1 risk-based capital ratio12.6226%4,227
Total risk-based capital ratio13.8760%4,141
Memoranda:
Average total assets$200,146,3302,968
Average earning assets$191,484,3302,893
Average equity$19,790,6703,180
Average total loans$161,508,6702,536
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6315%1,064
Cost of funding earning assets0.6469%1,090
Net interest margin3.9845%1,509
Noninterest income to average assets0.3975%3,678
Noninterest expense to average assets2.4772%3,887
Loan and lease loss provision to assets0.1285%1,497
Net operating income to assets1.5999%678
Return on assets (ROA)1.5999%695
Pretax return on assets1.5999%1,238
Return on Equity (ROE)16.3638%482
Retained earnings to average equity (ytd only)10.2043%765
Net charge-offs to loans0.0502%1,859
Credit loss provision to net charge-offs320.0000%756
Earnings coverage of net charge-offs (x)43.0500%983
Efficiency ratio58.9021%4,604
Assets per employee ($millions)4.5366%3,108
Cash dividends to net income (ytd only)*37.6412%2,087
Condition Ratios (%)
Loss allowance to loans1.4386%1,911
Loan loss allowance to noncurrent loans276.4218%1,723
Noncurrent assets plus other real estate owned to assets0.4761%3,313
Noncurrent loans to loans0.5204%3,257
Net loans and leases to total assets78.2963%1,088
Net loans and leases to deposits92.2368%1,306
Net loans and leases to core deposits103.2192%1,276
Total domestic deposits to total assets84.8862%3,130
Equity capital to assets9.6887%4,080
Core capital (leverage) ratio10.2042%3,234
Tier 1 risk-based capital ratio12.6393%4,299
Total risk-based capital ratio13.8920%4,204
Memoranda:
Average total assets$199,258,5003,003
Average earning assets$190,436,5002,927
Average equity$19,482,0003,226
Average total loans$159,402,0002,585
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8299%837
Cost of funding earning assets0.6967%819
Net interest margin4.1332%1,296
Noninterest income to average assets0.4322%3,664
Noninterest expense to average assets2.8629%2,800
Loan and lease loss provision to assets0.1953%1,192
Net operating income to assets1.2911%1,232
Return on assets (ROA)1.2944%1,299
Pretax return on assets1.2944%2,301
Return on Equity (ROE)12.3845%1,148
Retained earnings to average equity (ytd only)6.0144%1,695
Net charge-offs to loans-0.0158%5,064
Credit loss provision to net charge-offs-1,600.0000%5,357
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8247%3,618
Assets per employee ($millions)4.2255%3,576
Cash dividends to net income (ytd only)*51.4359%2,223
Condition Ratios (%)
Loss allowance to loans1.4614%1,833
Loan loss allowance to noncurrent loans305.6075%1,618
Noncurrent assets plus other real estate owned to assets0.4481%3,471
Noncurrent loans to loans0.4782%3,435
Net loans and leases to total assets79.4065%977
Net loans and leases to deposits94.1501%1,183
Net loans and leases to core deposits106.6265%1,091
Total domestic deposits to total assets84.3403%3,295
Equity capital to assets9.8702%3,858
Core capital (leverage) ratio10.5649%2,817
Tier 1 risk-based capital ratio12.7227%4,264
Total risk-based capital ratio13.9761%4,145
Memoranda:
Average total assets$180,238,6003,161
Average earning assets$170,811,0003,103
Average equity$18,838,0003,292
Average total loans$138,891,0002,794
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8140%871
Cost of funding earning assets0.7123%767
Net interest margin4.1016%1,382
Noninterest income to average assets0.3531%4,260
Noninterest expense to average assets2.8174%2,946
Loan and lease loss provision to assets0.1147%2,017
Net operating income to assets1.3008%1,293
Return on assets (ROA)1.3053%1,365
Pretax return on assets1.3053%2,407
Return on Equity (ROE)12.3011%1,232
Retained earnings to average equity (ytd only)5.9017%2,238
Net charge-offs to loans-0.0387%5,276
Credit loss provision to net charge-offs-389.7436%5,008
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5597%3,493
Assets per employee ($millions)3.7604%4,377
Cash dividends to net income (ytd only)*52.0231%1,781
Condition Ratios (%)
Loss allowance to loans1.4907%1,791
Loan loss allowance to noncurrent loans240.9611%1,950
Noncurrent assets plus other real estate owned to assets1.0655%1,930
Noncurrent loans to loans0.6187%3,162
Net loans and leases to total assets80.4552%821
Net loans and leases to deposits93.1675%1,351
Net loans and leases to core deposits105.8207%1,201
Total domestic deposits to total assets86.3554%2,190
Equity capital to assets11.1431%2,871
Core capital (leverage) ratio10.6283%2,848
Tier 1 risk-based capital ratio13.9029%3,609
Total risk-based capital ratio15.1566%3,535
Memoranda:
Average total assets$176,705,2503,218
Average earning assets$167,149,0003,164
Average equity$18,751,2503,332
Average total loans$134,455,5002,859
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7112%1,030
Cost of funding earning assets0.7056%777
Net interest margin4.0056%1,624
Noninterest income to average assets0.3383%4,356
Noninterest expense to average assets2.7885%3,063
Loan and lease loss provision to assets0.1124%1,999
Net operating income to assets1.2273%1,510
Return on assets (ROA)1.2341%1,582
Pretax return on assets1.2341%2,653
Return on Equity (ROE)11.8213%1,381
Retained earnings to average equity (ytd only)5.3616%2,509
Net charge-offs to loans-0.0696%5,500
Credit loss provision to net charge-offs-217.3913%4,739
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5470%3,439
Assets per employee ($millions)4.0295%3,850
Cash dividends to net income (ytd only)*54.6448%1,754
Condition Ratios (%)
Loss allowance to loans1.5198%1,788
Loan loss allowance to noncurrent loans215.8115%2,133
Noncurrent assets plus other real estate owned to assets1.0660%1,996
Noncurrent loans to loans0.7042%2,963
Net loans and leases to total assets72.0510%2,163
Net loans and leases to deposits82.4681%2,650
Net loans and leases to core deposits91.6448%2,373
Total domestic deposits to total assets87.3683%1,728
Equity capital to assets10.2132%3,957
Core capital (leverage) ratio10.4504%3,022
Tier 1 risk-based capital ratio13.7194%3,759
Total risk-based capital ratio14.9727%3,687
Memoranda:
Average total assets$177,948,0003,212
Average earning assets$168,365,6703,164
Average equity$18,576,6703,362
Average total loans$132,182,3302,899
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8260%805
Cost of funding earning assets0.7210%727
Net interest margin4.1050%1,331
Noninterest income to average assets0.3535%4,200
Noninterest expense to average assets2.7915%3,100
Loan and lease loss provision to assets0.2204%868
Net operating income to assets1.2236%1,480
Return on assets (ROA)1.2213%1,594
Pretax return on assets1.2213%2,613
Return on Equity (ROE)11.5655%1,435
Retained earnings to average equity (ytd only)5.0436%2,912
Net charge-offs to loans-0.0184%4,814
Credit loss provision to net charge-offs-1,600.0000%4,843
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9079%3,822
Assets per employee ($millions)3.7234%4,428
Cash dividends to net income (ytd only)*56.3910%1,547
Condition Ratios (%)
Loss allowance to loans1.5727%1,708
Loan loss allowance to noncurrent loans191.7300%2,297
Noncurrent assets plus other real estate owned to assets1.1349%1,949
Noncurrent loans to loans0.8202%2,788
Net loans and leases to total assets72.1358%2,015
Net loans and leases to deposits83.2292%2,398
Net loans and leases to core deposits93.1102%2,077
Total domestic deposits to total assets86.6714%2,373
Equity capital to assets10.6155%3,349
Core capital (leverage) ratio10.5156%2,944
Tier 1 risk-based capital ratio14.5601%3,364
Total risk-based capital ratio15.8143%3,300
Memoranda:
Average total assets$174,242,5003,275
Average earning assets$164,774,0003,218
Average equity$18,399,5003,384
Average total loans$130,466,5002,928
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9879%640
Cost of funding earning assets0.6985%828
Net interest margin4.2894%979
Noninterest income to average assets0.3733%4,239
Noninterest expense to average assets2.9120%2,815
Loan and lease loss provision to assets0.2982%581
Net operating income to assets1.2140%1,504
Return on assets (ROA)1.2182%1,557
Pretax return on assets1.2182%2,598
Return on Equity (ROE)11.6332%1,396
Retained earnings to average equity (ytd only)4.8533%2,523
Net charge-offs to loans0.1176%2,196
Credit loss provision to net charge-offs327.2727%919
Earnings coverage of net charge-offs (x)16.5974%2,118
Efficiency ratio65.8197%3,932
Assets per employee ($millions)3.7714%4,342
Cash dividends to net income (ytd only)*58.2807%1,831
Condition Ratios (%)
Loss allowance to loans1.4433%2,236
Loan loss allowance to noncurrent loans124.7557%3,172
Noncurrent assets plus other real estate owned to assets1.3338%1,586
Noncurrent loans to loans1.1569%2,039
Net loans and leases to total assets75.3744%1,514
Net loans and leases to deposits86.8610%2,020
Net loans and leases to core deposits96.7533%1,771
Total domestic deposits to total assets86.7759%2,243
Equity capital to assets10.5034%3,354
Core capital (leverage) ratio10.2212%3,239
Tier 1 risk-based capital ratio14.2252%3,594
Total risk-based capital ratio15.4780%3,502
Memoranda:
Average total assets$169,024,0003,319
Average earning assets$159,625,4003,258
Average equity$17,699,4003,426
Average total loans$130,925,4002,874
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9764%656
Cost of funding earning assets0.6933%868
Net interest margin4.2832%993
Noninterest income to average assets0.3867%4,176
Noninterest expense to average assets2.9364%2,720
Loan and lease loss provision to assets0.2946%507
Net operating income to assets1.1982%1,658
Return on assets (ROA)1.2062%1,701
Pretax return on assets1.2062%2,798
Return on Equity (ROE)11.5277%1,515
Retained earnings to average equity (ytd only)4.6976%3,129
Net charge-offs to loans-0.0112%5,030
Credit loss provision to net charge-offs-3,372.7273%5,662
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2962%3,840
Assets per employee ($millions)3.9302%4,023
Cash dividends to net income (ytd only)*59.2496%1,460
Condition Ratios (%)
Loss allowance to loans1.4047%2,575
Loan loss allowance to noncurrent loans117.2185%3,327
Noncurrent assets plus other real estate owned to assets1.2163%1,942
Noncurrent loans to loans1.1983%2,131
Net loans and leases to total assets75.5923%1,445
Net loans and leases to deposits86.5233%2,089
Net loans and leases to core deposits96.1433%1,863
Total domestic deposits to total assets87.3663%1,862
Equity capital to assets9.9465%4,228
Core capital (leverage) ratio10.6028%2,923
Tier 1 risk-based capital ratio13.3078%4,247
Total risk-based capital ratio14.5603%4,177
Memoranda:
Average total assets$167,908,5003,367
Average earning assets$158,476,2503,301
Average equity$17,568,7503,470
Average total loans$130,487,0002,900
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0144%579
Cost of funding earning assets0.6896%886
Net interest margin4.3248%875
Noninterest income to average assets0.3936%4,127
Noninterest expense to average assets3.0755%2,319
Loan and lease loss provision to assets0.2701%609
Net operating income to assets1.1185%1,880
Return on assets (ROA)1.1014%2,038
Pretax return on assets1.1014%3,168
Return on Equity (ROE)10.3379%1,919
Retained earnings to average equity (ytd only)3.4536%3,849
Net charge-offs to loans-0.0031%4,651
Credit loss provision to net charge-offs-11,050.0000%5,634
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8938%3,513
Assets per employee ($millions)3.4395%4,919
Cash dividends to net income (ytd only)*66.5927%1,317
Condition Ratios (%)
Loss allowance to loans1.3241%3,117
Loan loss allowance to noncurrent loans154.0517%2,744
Noncurrent assets plus other real estate owned to assets0.9806%2,565
Noncurrent loans to loans0.8595%2,978
Net loans and leases to total assets80.6629%717
Net loans and leases to deposits93.5854%1,191
Net loans and leases to core deposits102.8498%1,274
Total domestic deposits to total assets86.1918%2,586
Equity capital to assets10.6289%3,289
Core capital (leverage) ratio10.8745%2,541
Tier 1 risk-based capital ratio13.9974%3,923
Total risk-based capital ratio15.2494%3,860
Memoranda:
Average total assets$163,615,6703,439
Average earning assets$153,995,6703,389
Average equity$17,431,0003,509
Average total loans$127,780,0002,953
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8339%797
Cost of funding earning assets0.6913%887
Net interest margin4.1426%1,178
Noninterest income to average assets0.3954%4,042
Noninterest expense to average assets3.1509%2,129
Loan and lease loss provision to assets0.2259%775
Net operating income to assets0.9038%2,727
Return on assets (ROA)0.9111%2,817
Pretax return on assets0.9111%3,846
Return on Equity (ROE)8.5422%2,680
Retained earnings to average equity (ytd only)1.6348%4,821
Net charge-offs to loans-0.0580%5,594
Credit loss provision to net charge-offs-511.1111%4,837
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.6087%2,878
Assets per employee ($millions)3.2834%5,267
Cash dividends to net income (ytd only)*80.8625%963
Condition Ratios (%)
Loss allowance to loans1.3768%3,037
Loan loss allowance to noncurrent loans101.8237%3,646
Noncurrent assets plus other real estate owned to assets1.0529%2,513
Noncurrent loans to loans1.3522%2,125
Net loans and leases to total assets74.5750%1,417
Net loans and leases to deposits84.8959%1,966
Net loans and leases to core deposits92.5614%1,900
Total domestic deposits to total assets87.8429%1,907
Equity capital to assets10.8556%3,133
Core capital (leverage) ratio10.6751%2,772
Tier 1 risk-based capital ratio15.3657%3,218
Total risk-based capital ratio16.6182%3,147
Memoranda:
Average total assets$162,875,0003,469
Average earning assets$152,753,0003,422
Average equity$17,372,5003,541
Average total loans$124,190,5003,010
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2931%450
Cost of funding earning assets0.7433%876
Net interest margin4.5498%677
Noninterest income to average assets0.3785%4,358
Noninterest expense to average assets3.2231%2,150
Loan and lease loss provision to assets0.2488%921
Net operating income to assets1.1533%1,758
Return on assets (ROA)1.1533%1,828
Pretax return on assets1.1533%2,860
Return on Equity (ROE)10.8978%1,751
Retained earnings to average equity (ytd only)4.3184%3,118
Net charge-offs to loans0.2435%1,749
Credit loss provision to net charge-offs130.1325%1,832
Earnings coverage of net charge-offs (x)7.3344%3,050
Efficiency ratio69.6866%3,586
Assets per employee ($millions)3.3646%5,138
Cash dividends to net income (ytd only)*60.3732%1,721
Condition Ratios (%)
Loss allowance to loans1.2349%3,794
Loan loss allowance to noncurrent loans102.0874%3,666
Noncurrent assets plus other real estate owned to assets0.9547%2,843
Noncurrent loans to loans1.2097%2,428
Net loans and leases to total assets75.9173%1,281
Net loans and leases to deposits86.1510%1,961
Net loans and leases to core deposits92.7813%2,014
Total domestic deposits to total assets88.1212%1,706
Equity capital to assets10.4813%3,513
Core capital (leverage) ratio10.6799%2,740
Tier 1 risk-based capital ratio14.8150%3,592
Total risk-based capital ratio16.0662%3,524
Memoranda:
Average total assets$157,982,4003,521
Average earning assets$147,455,6003,487
Average equity$16,719,0003,573
Average total loans$124,012,2002,972
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3475%413
Cost of funding earning assets0.7584%860
Net interest margin4.5891%631
Noninterest income to average assets0.3916%4,312
Noninterest expense to average assets3.2133%2,134
Loan and lease loss provision to assets0.2406%912
Net operating income to assets1.2176%1,617
Return on assets (ROA)1.2176%1,681
Pretax return on assets1.2176%2,711
Return on Equity (ROE)11.4763%1,632
Retained earnings to average equity (ytd only)5.0425%3,052
Net charge-offs to loans0.1362%2,434
Credit loss provision to net charge-offs223.8095%1,162
Earnings coverage of net charge-offs (x)13.5632%2,217
Efficiency ratio68.7854%3,712
Assets per employee ($millions)2.9809%5,746
Cash dividends to net income (ytd only)*56.0616%1,556
Condition Ratios (%)
Loss allowance to loans1.2843%3,728
Loan loss allowance to noncurrent loans156.7308%2,634
Noncurrent assets plus other real estate owned to assets0.7038%3,709
Noncurrent loans to loans0.8194%3,528
Net loans and leases to total assets80.8293%631
Net loans and leases to deposits93.0743%1,119
Net loans and leases to core deposits100.4635%1,326
Total domestic deposits to total assets86.8438%2,398
Equity capital to assets11.0240%2,934
Core capital (leverage) ratio11.3396%2,184
Tier 1 risk-based capital ratio14.6793%3,769
Total risk-based capital ratio15.9310%3,711
Memoranda:
Average total assets$156,261,7503,574
Average earning assets$145,733,2503,551
Average equity$16,578,7503,606
Average total loans$123,333,7503,003
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2208%487
Cost of funding earning assets0.7542%903
Net interest margin4.4665%758
Noninterest income to average assets0.3995%4,249
Noninterest expense to average assets3.1402%2,358
Loan and lease loss provision to assets0.2298%997
Net operating income to assets1.2025%1,582
Return on assets (ROA)1.2025%1,651
Pretax return on assets1.2025%2,658
Return on Equity (ROE)11.4815%1,578
Retained earnings to average equity (ytd only)5.3873%2,709
Net charge-offs to loans0.0229%3,747
Credit loss provision to net charge-offs1,285.7143%273
Earnings coverage of net charge-offs (x)80.1429%662
Efficiency ratio68.6767%3,884
Assets per employee ($millions)3.1463%5,517
Cash dividends to net income (ytd only)*53.0786%1,798
Condition Ratios (%)
Loss allowance to loans1.3038%3,836
Loan loss allowance to noncurrent loans167.5179%2,480
Noncurrent assets plus other real estate owned to assets0.6401%4,060
Noncurrent loans to loans0.7783%3,751
Net loans and leases to total assets78.9139%803
Net loans and leases to deposits89.3875%1,428
Net loans and leases to core deposits96.1314%1,588
Total domestic deposits to total assets88.2829%1,747
Equity capital to assets10.6772%3,222
Core capital (leverage) ratio10.6071%2,817
Tier 1 risk-based capital ratio14.6270%3,851
Total risk-based capital ratio15.8793%3,801
Memoranda:
Average total assets$156,680,0003,583
Average earning assets$146,377,0003,554
Average equity$16,409,0003,635
Average total loans$122,138,0003,025
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1625%520
Cost of funding earning assets0.7554%948
Net interest margin4.4071%795
Noninterest income to average assets0.4221%4,014
Noninterest expense to average assets3.2233%2,145
Loan and lease loss provision to assets0.2865%694
Net operating income to assets1.0463%2,022
Return on assets (ROA)1.0463%2,092
Pretax return on assets1.0463%3,149
Return on Equity (ROE)10.0894%2,003
Retained earnings to average equity (ytd only)5.1557%3,017
Net charge-offs to loans0.0366%2,876
Credit loss provision to net charge-offs1,018.1818%301
Earnings coverage of net charge-offs (x)47.3636%784
Efficiency ratio70.7468%3,693
Assets per employee ($millions)3.1347%5,624
Cash dividends to net income (ytd only)*48.8998%1,724
Condition Ratios (%)
Loss allowance to loans1.3314%3,945
Loan loss allowance to noncurrent loans125.0993%3,053
Noncurrent assets plus other real estate owned to assets0.8100%3,716
Noncurrent loans to loans1.0643%3,296
Net loans and leases to total assets73.0121%1,425
Net loans and leases to deposits82.3268%2,015
Net loans and leases to core deposits88.3803%2,053
Total domestic deposits to total assets88.6857%1,842
Equity capital to assets10.2503%3,538
Core capital (leverage) ratio10.6476%2,765
Tier 1 risk-based capital ratio15.5527%3,409
Total risk-based capital ratio16.8052%3,375
Memoranda:
Average total assets$156,361,5003,618
Average earning assets$146,672,5003,575
Average equity$16,215,0003,664
Average total loans$120,314,5003,068
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3216%506
Cost of funding earning assets0.8254%1,062
Net interest margin4.4962%745
Noninterest income to average assets0.3208%5,041
Noninterest expense to average assets3.0766%2,815
Loan and lease loss provision to assets0.2964%1,143
Net operating income to assets1.1657%1,698
Return on assets (ROA)1.1670%1,749
Pretax return on assets1.1670%2,701
Return on Equity (ROE)11.5388%1,580
Retained earnings to average equity (ytd only)8.7651%829
Net charge-offs to loans0.0906%3,940
Credit loss provision to net charge-offs419.6262%548
Earnings coverage of net charge-offs (x)20.7009%1,535
Efficiency ratio67.7865%4,240
Assets per employee ($millions)2.9972%5,840
Cash dividends to net income (ytd only)*24.0385%3,551
Condition Ratios (%)
Loss allowance to loans1.2057%4,630
Loan loss allowance to noncurrent loans172.3131%2,360
Noncurrent assets plus other real estate owned to assets0.5966%4,448
Noncurrent loans to loans0.6997%4,230
Net loans and leases to total assets79.0658%707
Net loans and leases to deposits89.3370%1,307
Net loans and leases to core deposits96.9089%1,389
Total domestic deposits to total assets88.5028%1,907
Equity capital to assets10.4956%3,167
Core capital (leverage) ratio10.8766%2,500
Tier 1 risk-based capital ratio15.0526%3,637
Total risk-based capital ratio16.3038%3,579
Memoranda:
Average total assets$151,499,4003,677
Average earning assets$142,119,6003,633
Average equity$15,322,2003,807
Average total loans$118,139,6003,073
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2621%566
Cost of funding earning assets0.8317%1,149
Net interest margin4.4304%841
Noninterest income to average assets0.3528%4,875
Noninterest expense to average assets3.1101%2,623
Loan and lease loss provision to assets0.3264%1,016
Net operating income to assets1.0699%2,118
Return on assets (ROA)1.0752%2,179
Pretax return on assets1.0752%3,209
Return on Equity (ROE)10.7337%1,912
Retained earnings to average equity (ytd only)6.9914%1,879
Net charge-offs to loans0.0660%3,972
Credit loss provision to net charge-offs637.9310%448
Earnings coverage of net charge-offs (x)27.2935%1,317
Efficiency ratio69.0155%3,913
Assets per employee ($millions)3.0406%5,782
Cash dividends to net income (ytd only)*34.8645%2,478
Condition Ratios (%)
Loss allowance to loans1.1603%5,071
Loan loss allowance to noncurrent loans148.8660%2,558
Noncurrent assets plus other real estate owned to assets0.7689%4,184
Noncurrent loans to loans0.7794%4,287
Net loans and leases to total assets80.9099%459
Net loans and leases to deposits91.9102%987
Net loans and leases to core deposits98.4734%1,207
Total domestic deposits to total assets88.0315%2,114
Equity capital to assets10.2413%3,587
Core capital (leverage) ratio10.3928%3,113
Tier 1 risk-based capital ratio13.9832%4,445
Total risk-based capital ratio15.2334%4,392
Memoranda:
Average total assets$151,160,5003,720
Average earning assets$141,713,0003,677
Average equity$15,142,0003,889
Average total loans$117,091,7503,121
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1810%658
Cost of funding earning assets0.8465%1,155
Net interest margin4.3345%969
Noninterest income to average assets0.3115%5,213
Noninterest expense to average assets3.0145%2,956
Loan and lease loss provision to assets0.2360%1,575
Net operating income to assets1.1202%1,865
Return on assets (ROA)1.1294%1,937
Pretax return on assets1.1294%2,979
Return on Equity (ROE)11.3605%1,700
Retained earnings to average equity (ytd only)5.6936%2,616
Net charge-offs to loans0.0803%3,571
Credit loss provision to net charge-offs386.9565%677
Earnings coverage of net charge-offs (x)22.2391%1,377
Efficiency ratio68.9718%4,015
Assets per employee ($millions)3.1263%5,628
Cash dividends to net income (ytd only)*49.8826%1,885
Condition Ratios (%)
Loss allowance to loans1.0338%5,692
Loan loss allowance to noncurrent loans74.5283%4,230
Noncurrent assets plus other real estate owned to assets1.1757%3,403
Noncurrent loans to loans1.3871%3,222
Net loans and leases to total assets78.9899%637
Net loans and leases to deposits92.7681%903
Net loans and leases to core deposits99.2462%1,130
Total domestic deposits to total assets85.1477%3,824
Equity capital to assets10.0328%3,871
Core capital (leverage) ratio10.4720%2,920
Tier 1 risk-based capital ratio13.9443%4,460
Total risk-based capital ratio15.0722%4,511
Memoranda:
Average total assets$150,870,0003,752
Average earning assets$141,286,3303,707
Average equity$14,999,3303,946
Average total loans$114,638,0003,173
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9691%957
Cost of funding earning assets0.8890%1,043
Net interest margin4.0801%1,523
Noninterest income to average assets0.2966%5,330
Noninterest expense to average assets3.0966%2,689
Loan and lease loss provision to assets0.1069%2,910
Net operating income to assets0.9191%2,568
Return on assets (ROA)0.9218%2,701
Pretax return on assets0.9218%3,682
Return on Equity (ROE)9.3152%2,343
Retained earnings to average equity (ytd only)3.9151%3,882
Net charge-offs to loans-0.0036%5,217
Credit loss provision to net charge-offs-4,000.0000%5,855
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1134%3,078
Assets per employee ($millions)3.1879%5,654
Cash dividends to net income (ytd only)*57.9710%1,351
Condition Ratios (%)
Loss allowance to loans1.0599%5,752
Loan loss allowance to noncurrent loans135.4503%2,601
Noncurrent assets plus other real estate owned to assets0.6529%4,739
Noncurrent loans to loans0.7825%4,554
Net loans and leases to total assets71.5595%1,423
Net loans and leases to deposits80.7607%1,977
Net loans and leases to core deposits86.2858%2,079
Total domestic deposits to total assets88.6068%1,929
Equity capital to assets9.7294%4,520
Core capital (leverage) ratio9.7062%3,784
Tier 1 risk-based capital ratio14.5857%4,118
Total risk-based capital ratio15.7380%4,149
Memoranda:
Average total assets$149,711,0003,814
Average earning assets$140,388,0003,764
Average equity$14,814,5004,031
Average total loans$110,823,5003,271
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2248%1,068
Cost of funding earning assets1.0472%1,135
Net interest margin4.1776%1,720
Noninterest income to average assets0.4157%4,490
Noninterest expense to average assets2.8200%3,946
Loan and lease loss provision to assets0.4621%1,358
Net operating income to assets1.0204%2,251
Return on assets (ROA)1.0294%2,418
Pretax return on assets1.0310%3,431
Return on Equity (ROE)9.7796%2,271
Retained earnings to average equity (ytd only)1.7267%4,996
Net charge-offs to loans0.7879%1,487
Credit loss provision to net charge-offs75.7009%3,983
Earnings coverage of net charge-offs (x)2.4312%4,196
Efficiency ratio65.5179%4,600
Assets per employee ($millions)3.2534%5,506
Cash dividends to net income (ytd only)*82.3436%929
Condition Ratios (%)
Loss allowance to loans1.0201%5,896
Loan loss allowance to noncurrent loans118.4100%2,875
Noncurrent assets plus other real estate owned to assets0.8996%4,247
Noncurrent loans to loans0.8615%4,459
Net loans and leases to total assets75.0275%1,043
Net loans and leases to deposits85.0347%1,634
Net loans and leases to core deposits91.1264%1,710
Total domestic deposits to total assets88.2316%2,078
Equity capital to assets10.0689%4,077
Core capital (leverage) ratio11.4725%1,898
Tier 1 risk-based capital ratio14.5435%3,998
Total risk-based capital ratio15.6635%4,043
Memoranda:
Average total assets$122,696,4004,295
Average earning assets$114,204,8004,243
Average equity$12,914,6004,378
Average total loans$95,058,8003,640
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3775%873
Cost of funding earning assets1.1067%1,037
Net interest margin4.2707%1,552
Noninterest income to average assets0.4305%4,409
Noninterest expense to average assets2.7815%4,051
Loan and lease loss provision to assets0.4487%1,401
Net operating income to assets1.1635%1,855
Return on assets (ROA)1.1784%1,999
Pretax return on assets1.1806%3,059
Return on Equity (ROE)11.0449%1,936
Retained earnings to average equity (ytd only)2.5900%5,012
Net charge-offs to loans0.2489%3,229
Credit loss provision to net charge-offs231.1765%1,198
Earnings coverage of net charge-offs (x)8.3177%2,466
Efficiency ratio63.2727%4,930
Assets per employee ($millions)3.4189%5,163
Cash dividends to net income (ytd only)*76.5504%737
Condition Ratios (%)
Loss allowance to loans1.6313%3,408
Loan loss allowance to noncurrent loans104.6290%3,110
Noncurrent assets plus other real estate owned to assets1.5941%3,206
Noncurrent loans to loans1.5591%3,443
Net loans and leases to total assets79.7319%527
Net loans and leases to deposits91.3582%1,024
Net loans and leases to core deposits99.5457%1,158
Total domestic deposits to total assets87.2740%2,514
Equity capital to assets10.8403%3,454
Core capital (leverage) ratio10.6920%2,711
Tier 1 risk-based capital ratio14.8665%3,941
Total risk-based capital ratio16.1229%3,895
Memoranda:
Average total assets$116,770,2504,467
Average earning assets$108,425,0004,428
Average equity$12,458,0004,514
Average total loans$91,080,2503,758
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1989%1,256
Cost of funding earning assets1.1281%1,103
Net interest margin4.0708%2,202
Noninterest income to average assets0.4207%4,496
Noninterest expense to average assets2.7004%4,424
Loan and lease loss provision to assets0.3198%2,067
Net operating income to assets1.1800%1,787
Return on assets (ROA)1.2023%1,903
Pretax return on assets1.2057%2,899
Return on Equity (ROE)11.3293%1,870
Retained earnings to average equity (ytd only)2.6268%4,868
Net charge-offs to loans0.3288%2,714
Credit loss provision to net charge-offs126.3514%2,171
Earnings coverage of net charge-offs (x)5.9392%2,727
Efficiency ratio64.2392%4,857
Assets per employee ($millions)3.7025%4,516
Cash dividends to net income (ytd only)*76.8137%870
Condition Ratios (%)
Loss allowance to loans1.4471%4,259
Loan loss allowance to noncurrent loans60.6183%4,612
Noncurrent assets plus other real estate owned to assets2.3278%2,400
Noncurrent loans to loans2.3872%2,511
Net loans and leases to total assets77.7720%750
Net loans and leases to deposits88.8607%1,271
Net loans and leases to core deposits97.1041%1,338
Total domestic deposits to total assets87.5212%2,452
Equity capital to assets10.5494%3,624
Core capital (leverage) ratio10.6928%2,607
Tier 1 risk-based capital ratio14.8754%3,852
Total risk-based capital ratio16.1299%3,802
Memoranda:
Average total assets$116,946,3304,481
Average earning assets$108,676,3304,447
Average equity$12,410,3304,524
Average total loans$90,034,0003,805
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2704%1,172
Cost of funding earning assets1.1568%1,149
Net interest margin4.1135%2,047
Noninterest income to average assets0.4338%4,425
Noninterest expense to average assets2.7613%4,201
Loan and lease loss provision to assets0.2720%2,282
Net operating income to assets1.2326%1,652
Return on assets (ROA)1.2464%1,787
Pretax return on assets1.2464%2,741
Return on Equity (ROE)11.7095%1,766
Retained earnings to average equity (ytd only)3.9463%4,219
Net charge-offs to loans0.1178%3,407
Credit loss provision to net charge-offs303.8462%971
Earnings coverage of net charge-offs (x)16.8077%1,337
Efficiency ratio64.7296%4,791
Assets per employee ($millions)3.6840%4,694
Cash dividends to net income (ytd only)*66.2983%1,060
Condition Ratios (%)
Loss allowance to loans1.5359%4,003
Loan loss allowance to noncurrent loans184.4804%1,787
Noncurrent assets plus other real estate owned to assets0.8508%4,830
Noncurrent loans to loans0.8326%5,006
Net loans and leases to total assets74.3369%1,010
Net loans and leases to deposits84.2183%1,637
Net loans and leases to core deposits92.0043%1,647
Total domestic deposits to total assets88.2669%2,151
Equity capital to assets10.5379%3,444
Core capital (leverage) ratio10.6701%2,581
Tier 1 risk-based capital ratio15.5895%3,397
Total risk-based capital ratio16.8444%3,361
Memoranda:
Average total assets$116,179,0004,537
Average earning assets$108,228,0004,478
Average equity$12,366,0004,538
Average total loans$88,302,0003,875
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5973%958
Cost of funding earning assets1.3346%1,321
Net interest margin4.2627%1,831
Noninterest income to average assets0.3711%4,853
Noninterest expense to average assets2.8460%4,177
Loan and lease loss provision to assets0.3514%2,893
Net operating income to assets1.1463%1,680
Return on assets (ROA)1.0881%1,996
Pretax return on assets1.0881%2,882
Return on Equity (ROE)10.2022%1,990
Retained earnings to average equity (ytd only)5.7592%2,147
Net charge-offs to loans0.1741%4,753
Credit loss provision to net charge-offs260.2649%926
Earnings coverage of net charge-offs (x)11.0927%1,759
Efficiency ratio65.5208%4,862
Assets per employee ($millions)3.8156%4,285
Cash dividends to net income (ytd only)*43.5497%2,391
Condition Ratios (%)
Loss allowance to loans1.5000%4,028
Loan loss allowance to noncurrent loans162.6238%1,974
Noncurrent assets plus other real estate owned to assets0.8334%4,958
Noncurrent loans to loans0.9224%4,847
Net loans and leases to total assets75.3811%1,037
Net loans and leases to deposits85.6066%1,720
Net loans and leases to core deposits93.1514%1,781
Total domestic deposits to total assets88.0553%2,115
Equity capital to assets10.7531%3,243
Core capital (leverage) ratio10.5721%2,638
Tier 1 risk-based capital ratio15.5218%3,312
Total risk-based capital ratio16.7760%3,257
Memoranda:
Average total assets$111,842,2004,597
Average earning assets$104,229,0004,539
Average equity$11,928,8004,568
Average total loans$86,720,8003,941
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6187%997
Cost of funding earning assets1.3584%1,424
Net interest margin4.2604%1,871
Noninterest income to average assets0.3777%4,844
Noninterest expense to average assets2.8900%3,977
Loan and lease loss provision to assets0.3885%2,527
Net operating income to assets1.0709%2,069
Return on assets (ROA)1.0277%2,388
Pretax return on assets1.0277%3,301
Return on Equity (ROE)9.6558%2,325
Retained earnings to average equity (ytd only)5.9377%2,594
Net charge-offs to loans0.2096%4,121
Credit loss provision to net charge-offs238.2353%1,196
Earnings coverage of net charge-offs (x)8.9485%2,106
Efficiency ratio66.4461%4,631
Assets per employee ($millions)3.6368%4,668
Cash dividends to net income (ytd only)*38.5064%2,090
Condition Ratios (%)
Loss allowance to loans1.3791%4,641
Loan loss allowance to noncurrent loans75.4491%3,744
Noncurrent assets plus other real estate owned to assets1.5243%3,820
Noncurrent loans to loans1.8279%3,605
Net loans and leases to total assets77.4218%780
Net loans and leases to deposits87.8453%1,453
Net loans and leases to core deposits96.2443%1,584
Total domestic deposits to total assets88.1344%1,966
Equity capital to assets10.4418%3,778
Core capital (leverage) ratio10.8015%2,571
Tier 1 risk-based capital ratio14.6124%3,895
Total risk-based capital ratio15.8642%3,869
Memoranda:
Average total assets$111,185,5004,641
Average earning assets$103,650,5004,585
Average equity$11,833,7504,611
Average total loans$86,500,5003,992
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6501%967
Cost of funding earning assets1.3919%1,455
Net interest margin4.2582%1,807
Noninterest income to average assets0.4002%4,685
Noninterest expense to average assets2.9546%3,814
Loan and lease loss provision to assets0.3855%2,486
Net operating income to assets1.0178%2,149
Return on assets (ROA)0.9410%2,572
Pretax return on assets0.9410%3,467
Return on Equity (ROE)8.7826%2,605
Retained earnings to average equity (ytd only)7.0773%1,847
Net charge-offs to loans0.1343%4,402
Credit loss provision to net charge-offs370.1754%825
Earnings coverage of net charge-offs (x)13.4737%1,543
Efficiency ratio67.7987%4,553
Assets per employee ($millions)3.5018%4,932
Cash dividends to net income (ytd only)*19.4175%2,874
Condition Ratios (%)
Loss allowance to loans1.4585%4,300
Loan loss allowance to noncurrent loans93.8744%3,054
Noncurrent assets plus other real estate owned to assets1.4011%4,123
Noncurrent loans to loans1.5537%4,077
Net loans and leases to total assets76.3060%1,037
Net loans and leases to deposits86.8581%1,669
Net loans and leases to core deposits94.6826%1,824
Total domestic deposits to total assets87.8513%2,244
Equity capital to assets11.0718%2,886
Core capital (leverage) ratio10.9513%2,298
Tier 1 risk-based capital ratio15.4454%3,280
Total risk-based capital ratio16.6986%3,215
Memoranda:
Average total assets$109,454,6704,712
Average earning assets$101,732,3304,660
Average equity$11,727,6704,634
Average total loans$84,880,0004,072
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6635%951
Cost of funding earning assets1.4061%1,577
Net interest margin4.2575%1,709
Noninterest income to average assets0.4222%4,521
Noninterest expense to average assets2.9808%3,726
Loan and lease loss provision to assets0.4295%2,043
Net operating income to assets0.9572%2,324
Return on assets (ROA)0.8917%2,666
Pretax return on assets0.8917%3,531
Return on Equity (ROE)8.4614%2,710
Retained earnings to average equity (ytd only)5.0078%3,190
Net charge-offs to loans0.2767%2,961
Credit loss provision to net charge-offs200.0000%1,479
Earnings coverage of net charge-offs (x)6.4576%2,100
Efficiency ratio68.2500%4,612
Assets per employee ($millions)3.3050%5,468
Cash dividends to net income (ytd only)*40.8163%1,730
Condition Ratios (%)
Loss allowance to loans1.3418%4,930
Loan loss allowance to noncurrent loans94.7236%3,028
Noncurrent assets plus other real estate owned to assets1.3304%4,306
Noncurrent loans to loans1.4165%4,341
Net loans and leases to total assets76.2474%1,000
Net loans and leases to deposits86.5682%1,642
Net loans and leases to core deposits95.0998%1,757
Total domestic deposits to total assets88.0779%2,333
Equity capital to assets10.7109%2,979
Core capital (leverage) ratio10.8308%2,331
Tier 1 risk-based capital ratio15.1025%3,372
Total risk-based capital ratio16.3550%3,330
Memoranda:
Average total assets$109,904,5004,736
Average earning assets$101,845,0004,694
Average equity$11,582,0004,648
Average total loans$85,290,0004,098
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9091%1,025
Cost of funding earning assets1.8247%1,076
Net interest margin4.0843%2,642
Noninterest income to average assets0.3259%5,456
Noninterest expense to average assets3.1820%3,155
Loan and lease loss provision to assets0.4719%3,305
Net operating income to assets0.4551%4,290
Return on assets (ROA)0.3855%4,755
Pretax return on assets0.3900%4,979
Return on Equity (ROE)3.7841%4,616
Retained earnings to average equity (ytd only)3.7841%3,214
Net charge-offs to loans0.7111%2,877
Credit loss provision to net charge-offs86.1789%5,278
Earnings coverage of net charge-offs (x)1.7024%4,447
Efficiency ratio77.3426%2,818
Assets per employee ($millions)3.3558%5,285
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2423%5,316
Loan loss allowance to noncurrent loans103.2755%2,808
Noncurrent assets plus other real estate owned to assets1.1694%4,675
Noncurrent loans to loans1.2029%4,717
Net loans and leases to total assets76.9502%1,103
Net loans and leases to deposits87.2553%1,902
Net loans and leases to core deposits95.8992%2,026
Total domestic deposits to total assets88.1898%2,127
Equity capital to assets10.3681%3,311
Core capital (leverage) ratio10.1602%2,915
Tier 1 risk-based capital ratio14.5825%3,491
Total risk-based capital ratio15.8332%3,452
Memoranda:
Average total assets$112,318,4004,650
Average earning assets$104,178,8004,601
Average equity$11,442,6004,749
Average total loans$86,491,0004,144
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9806%974
Cost of funding earning assets1.9029%1,021
Net interest margin4.0777%2,725
Noninterest income to average assets0.5572%3,727
Noninterest expense to average assets3.2140%2,876
Loan and lease loss provision to assets0.5087%2,914
Net operating income to assets0.6074%3,853
Return on assets (ROA)0.5501%4,261
Pretax return on assets0.5560%4,740
Return on Equity (ROE)5.4228%4,074
Retained earnings to average equity (ytd only)5.4228%2,696
Net charge-offs to loans0.8735%2,263
Credit loss provision to net charge-offs75.8377%5,259
Earnings coverage of net charge-offs (x)1.6737%4,449
Efficiency ratio74.1135%3,312
Assets per employee ($millions)3.3663%5,283
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2059%5,464
Loan loss allowance to noncurrent loans55.7987%4,583
Noncurrent assets plus other real estate owned to assets2.8113%2,584
Noncurrent loans to loans2.1612%3,494
Net loans and leases to total assets75.2212%1,546
Net loans and leases to deposits85.6412%2,417
Net loans and leases to core deposits94.6416%2,431
Total domestic deposits to total assets87.8330%2,069
Equity capital to assets10.4963%3,522
Core capital (leverage) ratio10.0656%3,187
Tier 1 risk-based capital ratio14.3282%3,611
Total risk-based capital ratio15.5773%3,579
Memoranda:
Average total assets$112,712,2504,702
Average earning assets$104,468,0004,653
Average equity$11,432,7504,833
Average total loans$86,541,5004,210
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9400%1,080
Cost of funding earning assets1.9134%1,192
Net interest margin4.0266%2,892
Noninterest income to average assets0.5775%3,495
Noninterest expense to average assets3.1151%3,244
Loan and lease loss provision to assets0.4644%2,994
Net operating income to assets0.7269%3,288
Return on assets (ROA)0.6622%3,721
Pretax return on assets0.6711%4,337
Return on Equity (ROE)6.6039%3,495
Retained earnings to average equity (ytd only)6.6039%2,019
Net charge-offs to loans0.7248%2,409
Credit loss provision to net charge-offs83.2278%4,623
Earnings coverage of net charge-offs (x)2.1519%3,945
Efficiency ratio72.1768%3,785
Assets per employee ($millions)3.1636%5,755
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.2713%5,076
Loan loss allowance to noncurrent loans79.4816%3,417
Noncurrent assets plus other real estate owned to assets3.2619%2,160
Noncurrent loans to loans1.5995%4,312
Net loans and leases to total assets75.2772%1,631
Net loans and leases to deposits87.0811%2,321
Net loans and leases to core deposits93.8245%2,741
Total domestic deposits to total assets86.4449%2,849
Equity capital to assets10.1782%3,801
Core capital (leverage) ratio10.0855%3,084
Tier 1 risk-based capital ratio13.7011%3,940
Total risk-based capital ratio14.9630%3,892
Memoranda:
Average total assets$113,254,0004,724
Average earning assets$105,151,3304,662
Average equity$11,357,0004,841
Average total loans$87,195,0004,221
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8554%1,313
Cost of funding earning assets1.9191%1,375
Net interest margin3.9363%3,166
Noninterest income to average assets0.3400%5,422
Noninterest expense to average assets2.9114%4,014
Loan and lease loss provision to assets0.4640%2,646
Net operating income to assets0.6243%3,781
Return on assets (ROA)0.3719%5,092
Pretax return on assets0.3896%5,327
Return on Equity (ROE)3.7368%5,019
Retained earnings to average equity (ytd only)3.7368%3,914
Net charge-offs to loans0.8836%1,793
Credit loss provision to net charge-offs67.8756%4,150
Earnings coverage of net charge-offs (x)1.6373%3,751
Efficiency ratio72.2320%3,885
Assets per employee ($millions)3.3603%5,401
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2565%5,171
Loan loss allowance to noncurrent loans50.0000%4,992
Noncurrent assets plus other real estate owned to assets3.5956%1,952
Noncurrent loans to loans2.5131%3,162
Net loans and leases to total assets75.3158%1,680
Net loans and leases to deposits88.5305%2,128
Net loans and leases to core deposits94.4141%2,783
Total domestic deposits to total assets85.0732%3,640
Equity capital to assets9.9001%3,995
Core capital (leverage) ratio10.0591%3,088
Tier 1 risk-based capital ratio13.0581%4,295
Total risk-based capital ratio14.3187%4,256
Memoranda:
Average total assets$112,935,5004,800
Average earning assets$105,885,5004,706
Average equity$11,239,5004,910
Average total loans$87,373,5004,276
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4457%744
Cost of funding earning assets2.4033%1,289
Net interest margin4.0425%2,686
Noninterest income to average assets0.5107%4,327
Noninterest expense to average assets3.1282%3,622
Loan and lease loss provision to assets0.7010%3,017
Net operating income to assets0.5514%3,519
Return on assets (ROA)0.4306%4,114
Pretax return on assets0.4370%4,386
Return on Equity (ROE)4.6742%3,808
Retained earnings to average equity (ytd only)4.6742%1,990
Net charge-offs to loans0.7692%2,901
Credit loss provision to net charge-offs112.5731%4,875
Earnings coverage of net charge-offs (x)2.0234%4,206
Efficiency ratio71.2863%4,388
Assets per employee ($millions)3.2829%5,530
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.3207%4,647
Loan loss allowance to noncurrent loans34.3222%6,139
Noncurrent assets plus other real estate owned to assets3.7009%1,799
Noncurrent loans to loans3.8480%1,933
Net loans and leases to total assets77.4467%1,498
Net loans and leases to deposits90.5763%2,128
Net loans and leases to core deposits126.2815%1,491
Total domestic deposits to total assets85.5044%3,288
Equity capital to assets10.0054%3,761
Core capital (leverage) ratio9.6969%3,456
Tier 1 risk-based capital ratio13.6797%3,697
Total risk-based capital ratio14.9429%3,630
Memoranda:
Average total assets$109,840,2004,822
Average earning assets$105,356,4004,697
Average equity$10,119,4005,264
Average total loans$88,919,4004,242
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5431%686
Cost of funding earning assets2.4622%1,407
Net interest margin4.0809%2,476
Noninterest income to average assets0.5351%4,197
Noninterest expense to average assets3.1189%3,585
Loan and lease loss provision to assets0.6776%2,707
Net operating income to assets0.6484%3,415
Return on assets (ROA)0.5314%3,945
Pretax return on assets0.5399%4,403
Return on Equity (ROE)5.8974%3,569
Retained earnings to average equity (ytd only)5.8974%2,003
Net charge-offs to loans0.7440%2,504
Credit loss provision to net charge-offs111.6466%4,552
Earnings coverage of net charge-offs (x)2.2028%4,169
Efficiency ratio69.9945%4,590
Assets per employee ($millions)3.1903%5,674
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2083%5,058
Loan loss allowance to noncurrent loans44.1188%5,371
Noncurrent assets plus other real estate owned to assets2.4563%2,802
Noncurrent loans to loans2.7387%2,768
Net loans and leases to total assets80.3760%1,112
Net loans and leases to deposits93.6340%1,944
Net loans and leases to core deposits131.2802%1,359
Total domestic deposits to total assets85.8405%2,785
Equity capital to assets9.4663%4,789
Core capital (leverage) ratio9.6941%3,650
Tier 1 risk-based capital ratio12.6695%4,419
Total risk-based capital ratio13.8874%4,395
Memoranda:
Average total assets$109,395,2504,870
Average earning assets$105,106,2504,734
Average equity$9,857,2505,375
Average total loans$89,248,5004,270
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5652%706
Cost of funding earning assets2.5328%1,496
Net interest margin4.0324%2,572
Noninterest income to average assets0.5075%4,381
Noninterest expense to average assets3.0954%3,724
Loan and lease loss provision to assets0.4834%3,110
Net operating income to assets0.7688%2,973
Return on assets (ROA)0.6135%3,732
Pretax return on assets0.6414%4,188
Return on Equity (ROE)6.9335%3,229
Retained earnings to average equity (ytd only)6.9335%1,607
Net charge-offs to loans1.0290%1,729
Credit loss provision to net charge-offs57.5221%5,636
Earnings coverage of net charge-offs (x)1.5310%4,391
Efficiency ratio70.6406%4,645
Assets per employee ($millions)2.7885%6,659
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.9579%6,516
Loan loss allowance to noncurrent loans28.2910%6,610
Noncurrent assets plus other real estate owned to assets2.8563%2,243
Noncurrent loans to loans3.3857%2,079
Net loans and leases to total assets81.4839%1,052
Net loans and leases to deposits95.2674%1,909
Net loans and leases to core deposits133.5665%1,342
Total domestic deposits to total assets85.5318%3,001
Equity capital to assets9.5364%4,561
Core capital (leverage) ratio9.8544%3,447
Tier 1 risk-based capital ratio12.6261%4,419
Total risk-based capital ratio13.6621%4,517
Memoranda:
Average total assets$107,577,3304,951
Average earning assets$103,362,6704,807
Average equity$9,519,0005,508
Average total loans$87,851,3304,339
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5373%805
Cost of funding earning assets2.5857%1,607
Net interest margin3.9516%2,845
Noninterest income to average assets0.3561%5,596
Noninterest expense to average assets2.8297%4,429
Loan and lease loss provision to assets0.5947%2,113
Net operating income to assets0.6894%3,607
Return on assets (ROA)0.6894%3,793
Pretax return on assets0.7235%4,342
Return on Equity (ROE)8.1250%3,084
Retained earnings to average equity (ytd only)8.1250%1,761
Net charge-offs to loans0.2189%3,329
Credit loss provision to net charge-offs334.0426%1,483
Earnings coverage of net charge-offs (x)7.4043%2,350
Efficiency ratio68.2192%4,919
Assets per employee ($millions)2.9795%6,213
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3557%3,762
Loan loss allowance to noncurrent loans51.2809%5,131
Noncurrent assets plus other real estate owned to assets2.3736%2,410
Noncurrent loans to loans2.6437%2,486
Net loans and leases to total assets80.1158%1,364
Net loans and leases to deposits93.1008%2,419
Net loans and leases to core deposits126.7710%1,864
Total domestic deposits to total assets86.0527%2,683
Equity capital to assets8.4467%6,155
Core capital (leverage) ratio8.9824%4,737
Tier 1 risk-based capital ratio11.5038%5,412
Total risk-based capital ratio12.7559%5,303
Memoranda:
Average total assets$105,595,5005,014
Average earning assets$101,326,5004,879
Average equity$8,960,0005,711
Average total loans$85,893,5004,430
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4059%484
Cost of funding earning assets3.2431%1,057
Net interest margin4.1628%2,455
Noninterest income to average assets0.4169%5,328
Noninterest expense to average assets2.8767%4,523
Loan and lease loss provision to assets0.5464%2,634
Net operating income to assets0.9825%2,624
Return on assets (ROA)0.0081%6,206
Pretax return on assets0.0081%6,141
Return on Equity (ROE)0.1044%6,194
Retained earnings to average equity (ytd only)0.1044%5,169
Net charge-offs to loans0.1867%4,332
Credit loss provision to net charge-offs364.8649%1,211
Earnings coverage of net charge-offs (x)10.2095%2,557
Efficiency ratio65.2963%5,254
Assets per employee ($millions)3.2478%5,342
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2649%4,022
Loan loss allowance to noncurrent loans90.0000%3,756
Noncurrent assets plus other real estate owned to assets1.3519%3,506
Noncurrent loans to loans1.4054%3,703
Net loans and leases to total assets80.4407%1,562
Net loans and leases to deposits94.0151%2,754
Net loans and leases to core deposits127.7224%2,026
Total domestic deposits to total assets85.5614%2,600
Equity capital to assets8.5250%6,047
Core capital (leverage) ratio9.1131%4,575
Tier 1 risk-based capital ratio11.4999%5,239
Total risk-based capital ratio12.6382%5,249
Memoranda:
Average total assets$98,828,4005,091
Average earning assets$94,694,8004,956
Average equity$7,663,4006,224
Average total loans$79,291,2004,544