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Vidalia Federal Savings Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0987%4,658
Cost of funding earning assets0.6193%500
Net interest margin1.4794%4,725
Noninterest income to average assets0.3072%3,567
Noninterest expense to average assets2.1404%3,271
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets-0.3500%4,743
Return on assets (ROA)-0.3500%4,748
Pretax return on assets-0.4431%4,759
Return on Equity (ROE)-2.3728%4,742
Retained earnings to average equity (ytd only)-2.3728%4,638
Net charge-offs to loans0.0597%1,186
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)-26.1667%2,688
Efficiency ratio126.1086%58
Assets per employee ($millions)7.1690%1,813
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.7840%4,291
Loan loss allowance to noncurrent loans51.4377%3,880
Noncurrent assets plus other real estate owned to assets0.4366%1,505
Noncurrent loans to loans1.5242%590
Net loans and leases to total assets28.4205%4,559
Net loans and leases to deposits33.3108%4,545
Net loans and leases to core deposits38.4486%4,444
Total domestic deposits to total assets85.3192%3,164
Equity capital to assets14.3897%602
Core capital (leverage) ratio14.4863%542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$212,578,4002,964
Average earning assets$199,744,8002,957
Average equity$31,355,8002,449
Average total loans$60,307,0003,811
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1165%4,740
Cost of funding earning assets0.6301%538
Net interest margin1.4864%4,806
Noninterest income to average assets0.2995%3,643
Noninterest expense to average assets2.1133%3,322
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets-0.3259%4,808
Return on assets (ROA)-0.3259%4,819
Pretax return on assets-0.4171%4,826
Return on Equity (ROE)-2.1980%4,808
Retained earnings to average equity (ytd only)-2.1980%4,709
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.5920%65
Assets per employee ($millions)7.3411%1,656
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8599%4,248
Loan loss allowance to noncurrent loans61.9332%3,821
Noncurrent assets plus other real estate owned to assets0.3936%1,872
Noncurrent loans to loans1.3885%769
Net loans and leases to total assets28.1061%4,644
Net loans and leases to deposits33.0913%4,648
Net loans and leases to core deposits37.9136%4,573
Total domestic deposits to total assets84.9352%3,136
Equity capital to assets14.6289%610
Core capital (leverage) ratio14.5213%555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$211,919,2502,997
Average earning assets$199,130,2502,994
Average equity$31,421,5002,479
Average total loans$59,982,0003,869
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1414%4,780
Cost of funding earning assets0.6426%597
Net interest margin1.4988%4,845
Noninterest income to average assets0.2855%3,715
Noninterest expense to average assets2.1570%3,216
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets-0.3280%4,844
Return on assets (ROA)-0.3280%4,850
Pretax return on assets-0.4650%4,863
Return on Equity (ROE)-2.2022%4,844
Retained earnings to average equity (ytd only)-2.2022%4,677
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio127.4860%62
Assets per employee ($millions)7.6647%1,387
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8740%4,221
Loan loss allowance to noncurrent loans60.0000%3,836
Noncurrent assets plus other real estate owned to assets0.4031%1,995
Noncurrent loans to loans1.4567%789
Net loans and leases to total assets27.4278%4,717
Net loans and leases to deposits32.2581%4,720
Net loans and leases to core deposits36.9731%4,652
Total domestic deposits to total assets85.0259%3,082
Equity capital to assets14.5915%602
Core capital (leverage) ratio14.5437%529
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$211,594,6673,000
Average earning assets$198,563,3332,993
Average equity$31,514,0002,475
Average total loans$59,857,6673,902
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1346%4,809
Cost of funding earning assets0.6601%649
Net interest margin1.4745%4,877
Noninterest income to average assets0.2608%3,835
Noninterest expense to average assets2.1039%3,414
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets-0.1847%4,833
Return on assets (ROA)-0.1847%4,837
Pretax return on assets-0.4608%4,885
Return on Equity (ROE)-1.2273%4,833
Retained earnings to average equity (ytd only)-1.2273%4,486
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio128.0417%60
Assets per employee ($millions)7.6564%1,370
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.8698%4,245
Loan loss allowance to noncurrent loans49.9038%3,991
Noncurrent assets plus other real estate owned to assets0.4851%1,937
Noncurrent loans to loans1.7429%684
Net loans and leases to total assets27.5919%4,758
Net loans and leases to deposits32.4929%4,759
Net loans and leases to core deposits37.2788%4,681
Total domestic deposits to total assets84.9168%3,133
Equity capital to assets14.7240%541
Core capital (leverage) ratio15.0679%470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$210,086,5003,006
Average earning assets$196,950,0002,999
Average equity$31,613,5002,457
Average total loans$60,095,5003,915
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6668%4,802
Cost of funding earning assets0.8520%1,013
Net interest margin1.8148%4,881
Noninterest income to average assets0.2715%3,851
Noninterest expense to average assets2.2390%3,566
Loan and lease loss provision to assets0.0247%4,089
Net operating income to assets-0.2838%4,833
Return on assets (ROA)-0.2838%4,849
Pretax return on assets-0.2838%4,841
Return on Equity (ROE)-1.7923%4,841
Retained earnings to average equity (ytd only)-1.7923%4,693
Net charge-offs to loans0.2016%855
Credit loss provision to net charge-offs40.6504%3,185
Earnings coverage of net charge-offs (x)-4.2602%3,376
Efficiency ratio113.0869%107
Assets per employee ($millions)7.3498%1,365
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.8592%4,300
Loan loss allowance to noncurrent loans49.6657%4,029
Noncurrent assets plus other real estate owned to assets0.5088%2,035
Noncurrent loans to loans1.7300%731
Net loans and leases to total assets29.1557%4,770
Net loans and leases to deposits34.5741%4,769
Net loans and leases to core deposits40.0052%4,696
Total domestic deposits to total assets84.3281%3,006
Equity capital to assets15.3852%503
Core capital (leverage) ratio15.4375%448
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$202,230,4002,922
Average earning assets$190,378,4002,905
Average equity$32,025,8002,388
Average total loans$61,013,8003,899
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7591%4,850
Cost of funding earning assets0.8780%1,143
Net interest margin1.8811%4,919
Noninterest income to average assets0.2682%3,862
Noninterest expense to average assets2.2416%3,571
Loan and lease loss provision to assets0.0164%4,122
Net operating income to assets-0.2165%4,842
Return on assets (ROA)-0.2165%4,851
Pretax return on assets-0.2165%4,841
Return on Equity (ROE)-1.3575%4,844
Retained earnings to average equity (ytd only)-1.3575%4,647
Net charge-offs to loans0.2901%546
Credit loss provision to net charge-offs18.7970%2,979
Earnings coverage of net charge-offs (x)-2.2707%3,170
Efficiency ratio109.7957%115
Assets per employee ($millions)6.9900%1,506
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7785%4,414
Loan loss allowance to noncurrent loans41.9048%4,154
Noncurrent assets plus other real estate owned to assets0.5698%2,015
Noncurrent loans to loans1.8579%696
Net loans and leases to total assets30.4290%4,809
Net loans and leases to deposits36.3001%4,821
Net loans and leases to core deposits41.8584%4,750
Total domestic deposits to total assets83.8262%2,882
Equity capital to assets15.7411%503
Core capital (leverage) ratio15.6356%451
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$201,339,2502,909
Average earning assets$189,816,7502,897
Average equity$32,116,7502,368
Average total loans$61,137,0003,914
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8659%4,889
Cost of funding earning assets0.9172%1,289
Net interest margin1.9487%4,960
Noninterest income to average assets0.2569%3,934
Noninterest expense to average assets2.2421%3,677
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets-0.1513%4,849
Return on assets (ROA)-0.1513%4,850
Pretax return on assets-0.1513%4,836
Return on Equity (ROE)-0.9445%4,842
Retained earnings to average equity (ytd only)-0.9445%4,471
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio107.2381%128
Assets per employee ($millions)6.7968%1,562
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.9770%3,680
Loan loss allowance to noncurrent loans43.1802%4,173
Noncurrent assets plus other real estate owned to assets0.6724%1,825
Noncurrent loans to loans2.2625%547
Net loans and leases to total assets29.4274%4,869
Net loans and leases to deposits35.0837%4,875
Net loans and leases to core deposits40.3956%4,821
Total domestic deposits to total assets83.8778%2,788
Equity capital to assets15.7412%503
Core capital (leverage) ratio15.9259%445
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$200,882,0002,894
Average earning assets$189,051,6672,878
Average equity$32,186,0002,351
Average total loans$60,793,6673,928
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9573%4,966
Cost of funding earning assets0.9382%1,703
Net interest margin2.0192%5,006
Noninterest income to average assets0.2829%3,831
Noninterest expense to average assets2.2372%3,919
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets-0.0542%4,777
Return on assets (ROA)-0.0542%4,765
Pretax return on assets-0.0542%4,757
Return on Equity (ROE)-0.3351%4,762
Retained earnings to average equity (ytd only)-0.3351%4,043
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio102.4816%210
Assets per employee ($millions)6.6584%1,255
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9778%3,818
Loan loss allowance to noncurrent loans43.4655%4,186
Noncurrent assets plus other real estate owned to assets0.8746%1,524
Noncurrent loans to loans2.2497%576
Net loans and leases to total assets30.0116%4,909
Net loans and leases to deposits35.9019%4,910
Net loans and leases to core deposits41.4161%4,853
Total domestic deposits to total assets83.5932%2,921
Equity capital to assets16.1284%563
Core capital (leverage) ratio16.2052%487
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$199,360,0002,877
Average earning assets$187,602,5002,851
Average equity$32,230,5002,343
Average total loans$60,892,5003,941
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2371%4,985
Cost of funding earning assets0.9045%2,168
Net interest margin2.3325%5,029
Noninterest income to average assets0.3026%3,878
Noninterest expense to average assets2.3157%3,910
Loan and lease loss provision to assets0.0181%3,649
Net operating income to assets0.1464%4,892
Return on assets (ROA)0.1464%4,912
Pretax return on assets0.1743%4,905
Return on Equity (ROE)0.9298%4,922
Retained earnings to average equity (ytd only)0.9298%4,406
Net charge-offs to loans0.1693%1,197
Credit loss provision to net charge-offs35.5769%3,238
Earnings coverage of net charge-offs (x)3.7788%3,287
Efficiency ratio92.3287%282
Assets per employee ($millions)6.6322%1,217
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.9683%3,660
Loan loss allowance to noncurrent loans48.8066%4,119
Noncurrent assets plus other real estate owned to assets0.8459%1,517
Noncurrent loans to loans1.9839%647
Net loans and leases to total assets30.4829%4,963
Net loans and leases to deposits36.5438%4,968
Net loans and leases to core deposits42.5278%4,898
Total domestic deposits to total assets83.4148%3,058
Equity capital to assets16.2057%567
Core capital (leverage) ratio16.0571%513
Tier 1 risk-based capital ratio55.3773%110
Total risk-based capital ratio56.3958%109
Memoranda:
Average total assets$204,261,0002,808
Average earning assets$193,138,6002,770
Average equity$32,157,0002,294
Average total loans$61,440,2003,956
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2606%5,079
Cost of funding earning assets0.8906%2,274
Net interest margin2.3701%5,111
Noninterest income to average assets0.3003%3,941
Noninterest expense to average assets2.2699%4,030
Loan and lease loss provision to assets0.0058%3,760
Net operating income to assets0.2192%4,935
Return on assets (ROA)0.2192%4,951
Pretax return on assets0.2666%4,929
Return on Equity (ROE)1.4024%4,975
Retained earnings to average equity (ytd only)1.4024%4,460
Net charge-offs to loans0.0304%2,466
Credit loss provision to net charge-offs64.2857%2,675
Earnings coverage of net charge-offs (x)29.9941%1,625
Efficiency ratio89.2857%351
Assets per employee ($millions)6.7189%1,149
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0486%3,294
Loan loss allowance to noncurrent loans63.7780%3,929
Noncurrent assets plus other real estate owned to assets0.7556%1,819
Noncurrent loans to loans1.6441%890
Net loans and leases to total assets30.6642%5,044
Net loans and leases to deposits36.6684%5,053
Net loans and leases to core deposits42.6348%4,986
Total domestic deposits to total assets83.6258%2,962
Equity capital to assets16.0160%631
Core capital (leverage) ratio15.7580%590
Tier 1 risk-based capital ratio53.7521%116
Total risk-based capital ratio54.8427%114
Memoranda:
Average total assets$205,584,5002,814
Average earning assets$194,477,0002,774
Average equity$32,135,2502,306
Average total loans$61,489,2504,000
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2892%5,128
Cost of funding earning assets0.8581%2,362
Net interest margin2.4311%5,156
Noninterest income to average assets0.2996%3,937
Noninterest expense to average assets2.2298%4,170
Loan and lease loss provision to assets0.0087%3,566
Net operating income to assets0.2900%4,886
Return on assets (ROA)0.2900%4,898
Pretax return on assets0.3586%4,878
Return on Equity (ROE)1.8700%4,958
Retained earnings to average equity (ytd only)1.8700%4,155
Net charge-offs to loans0.0294%2,269
Credit loss provision to net charge-offs100.0000%1,959
Earnings coverage of net charge-offs (x)42.2222%1,208
Efficiency ratio85.8578%556
Assets per employee ($millions)7.0103%996
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0644%3,265
Loan loss allowance to noncurrent loans40.2439%4,377
Noncurrent assets plus other real estate owned to assets1.2199%1,078
Noncurrent loans to loans2.6449%422
Net loans and leases to total assets30.1751%5,095
Net loans and leases to deposits36.0143%5,108
Net loans and leases to core deposits41.4408%5,055
Total domestic deposits to total assets83.7865%2,953
Equity capital to assets15.8608%635
Core capital (leverage) ratio15.6057%605
Tier 1 risk-based capital ratio51.7145%125
Total risk-based capital ratio52.7730%124
Memoranda:
Average total assets$206,923,6702,811
Average earning assets$195,548,0002,778
Average equity$32,086,0002,297
Average total loans$61,164,3304,024
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2599%5,187
Cost of funding earning assets0.8403%2,327
Net interest margin2.4196%5,216
Noninterest income to average assets0.2932%3,916
Noninterest expense to average assets2.2018%4,253
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.2913%4,911
Return on assets (ROA)0.2913%4,916
Pretax return on assets0.3813%4,860
Return on Equity (ROE)1.8996%4,978
Retained earnings to average equity (ytd only)1.8996%4,091
Net charge-offs to loans0.0132%2,234
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)99.5000%667
Efficiency ratio85.2374%629
Assets per employee ($millions)7.1498%939
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0799%3,237
Loan loss allowance to noncurrent loans45.0205%4,356
Noncurrent assets plus other real estate owned to assets1.0721%1,293
Noncurrent loans to loans2.3987%557
Net loans and leases to total assets29.1572%5,160
Net loans and leases to deposits34.5439%5,163
Net loans and leases to core deposits39.5914%5,117
Total domestic deposits to total assets84.4062%2,898
Equity capital to assets15.4800%656
Core capital (leverage) ratio15.4252%611
Tier 1 risk-based capital ratio51.8061%122
Total risk-based capital ratio52.8714%121
Memoranda:
Average total assets$208,735,5002,823
Average earning assets$197,550,5002,789
Average equity$32,006,5002,296
Average total loans$60,743,5004,077
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1756%5,163
Cost of funding earning assets0.7894%1,580
Net interest margin2.3861%5,253
Noninterest income to average assets0.2471%4,440
Noninterest expense to average assets1.9933%4,764
Loan and lease loss provision to assets0.0248%3,675
Net operating income to assets0.4030%4,857
Return on assets (ROA)0.4030%4,850
Pretax return on assets0.4988%4,797
Return on Equity (ROE)2.7890%4,937
Retained earnings to average equity (ytd only)2.7890%4,002
Net charge-offs to loans0.0892%1,888
Credit loss provision to net charge-offs100.0000%2,510
Earnings coverage of net charge-offs (x)21.1481%1,959
Efficiency ratio79.1985%1,024
Assets per employee ($millions)7.2457%883
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0932%3,152
Loan loss allowance to noncurrent loans32.5123%4,598
Noncurrent assets plus other real estate owned to assets1.0689%1,266
Noncurrent loans to loans3.3625%277
Net loans and leases to total assets28.4168%5,229
Net loans and leases to deposits33.5248%5,230
Net loans and leases to core deposits38.9126%5,175
Total domestic deposits to total assets84.7634%2,745
Equity capital to assets15.1890%669
Core capital (leverage) ratio14.9057%714
Tier 1 risk-based capital ratio52.3745%123
Total risk-based capital ratio53.4576%125
Memoranda:
Average total assets$218,127,6002,709
Average earning assets$207,491,0002,656
Average equity$31,516,2002,249
Average total loans$60,507,4004,079
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1268%5,235
Cost of funding earning assets0.7763%1,442
Net interest margin2.3505%5,333
Noninterest income to average assets0.2495%4,484
Noninterest expense to average assets1.9043%4,892
Loan and lease loss provision to assets0.0067%3,840
Net operating income to assets0.4621%4,834
Return on assets (ROA)0.4621%4,842
Pretax return on assets0.5742%4,775
Return on Equity (ROE)3.2382%4,966
Retained earnings to average equity (ytd only)3.2382%4,121
Net charge-offs to loans0.0242%2,650
Credit loss provision to net charge-offs100.0000%2,247
Earnings coverage of net charge-offs (x)87.1595%837
Efficiency ratio76.6269%1,278
Assets per employee ($millions)7.4688%785
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9860%3,860
Loan loss allowance to noncurrent loans26.9554%4,797
Noncurrent assets plus other real estate owned to assets1.1445%1,244
Noncurrent loans to loans3.6581%254
Net loans and leases to total assets28.2800%5,303
Net loans and leases to deposits33.2146%5,313
Net loans and leases to core deposits38.3231%5,263
Total domestic deposits to total assets85.1432%2,551
Equity capital to assets14.6818%788
Core capital (leverage) ratio14.4514%835
Tier 1 risk-based capital ratio51.5097%124
Total risk-based capital ratio52.4977%123
Memoranda:
Average total assets$220,128,0002,708
Average earning assets$209,364,2502,658
Average equity$31,416,2502,259
Average total loans$60,541,5004,120
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0909%5,292
Cost of funding earning assets0.7658%1,303
Net interest margin2.3250%5,408
Noninterest income to average assets0.2512%4,507
Noninterest expense to average assets1.9042%4,951
Loan and lease loss provision to assets0.0099%3,652
Net operating income to assets0.4473%4,863
Return on assets (ROA)0.4473%4,867
Pretax return on assets0.5513%4,813
Return on Equity (ROE)3.1641%4,992
Retained earnings to average equity (ytd only)3.1641%3,984
Net charge-offs to loans0.0366%2,121
Credit loss provision to net charge-offs100.0000%2,011
Earnings coverage of net charge-offs (x)56.4545%1,033
Efficiency ratio77.2361%1,281
Assets per employee ($millions)7.3304%819
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.0458%3,555
Loan loss allowance to noncurrent loans28.1069%4,794
Noncurrent assets plus other real estate owned to assets1.1236%1,309
Noncurrent loans to loans3.7208%253
Net loans and leases to total assets27.1496%5,369
Net loans and leases to deposits31.7387%5,377
Net loans and leases to core deposits36.5394%5,340
Total domestic deposits to total assets85.5410%2,481
Equity capital to assets14.3385%850
Core capital (leverage) ratio14.2483%836
Tier 1 risk-based capital ratio51.7809%122
Total risk-based capital ratio52.8171%122
Memoranda:
Average total assets$221,305,6702,721
Average earning assets$210,749,0002,661
Average equity$31,288,3302,271
Average total loans$60,101,0004,163
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0432%5,349
Cost of funding earning assets0.7584%1,144
Net interest margin2.2848%5,479
Noninterest income to average assets0.2378%4,580
Noninterest expense to average assets1.8630%5,081
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.4468%4,821
Return on assets (ROA)0.4468%4,821
Pretax return on assets0.5513%4,788
Return on Equity (ROE)3.1829%4,975
Retained earnings to average equity (ytd only)3.1829%3,932
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1642%1,437
Assets per employee ($millions)7.4154%797
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0537%3,638
Loan loss allowance to noncurrent loans32.5930%4,766
Noncurrent assets plus other real estate owned to assets1.0168%1,543
Noncurrent loans to loans3.2330%344
Net loans and leases to total assets26.6345%5,432
Net loans and leases to deposits31.0332%5,435
Net loans and leases to core deposits35.6895%5,399
Total domestic deposits to total assets85.8260%2,621
Equity capital to assets14.0630%878
Core capital (leverage) ratio14.2321%823
Tier 1 risk-based capital ratio51.4158%123
Total risk-based capital ratio52.4529%122
Memoranda:
Average total assets$222,003,0002,738
Average earning assets$211,488,5002,676
Average equity$31,166,5002,293
Average total loans$59,983,5004,198
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9917%5,362
Cost of funding earning assets0.7837%681
Net interest margin2.2080%5,533
Noninterest income to average assets0.4607%3,241
Noninterest expense to average assets1.7528%5,280
Loan and lease loss provision to assets0.0247%3,803
Net operating income to assets0.6123%3,957
Return on assets (ROA)0.6123%3,999
Pretax return on assets0.7847%4,293
Return on Equity (ROE)4.5808%4,322
Retained earnings to average equity (ytd only)4.5808%2,405
Net charge-offs to loans0.0486%2,815
Credit loss provision to net charge-offs186.6667%1,459
Earnings coverage of net charge-offs (x)61.2000%944
Efficiency ratio68.4102%2,817
Assets per employee ($millions)7.6394%723
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.0502%3,621
Loan loss allowance to noncurrent loans29.6802%4,852
Noncurrent assets plus other real estate owned to assets1.0219%1,498
Noncurrent loans to loans3.5384%283
Net loans and leases to total assets26.8359%5,492
Net loans and leases to deposits31.2192%5,500
Net loans and leases to core deposits35.6850%5,465
Total domestic deposits to total assets85.9594%2,456
Equity capital to assets14.0144%906
Core capital (leverage) ratio13.6297%930
Tier 1 risk-based capital ratio51.7579%115
Total risk-based capital ratio52.8098%115
Memoranda:
Average total assets$226,836,8002,664
Average earning assets$215,894,8002,618
Average equity$30,322,2002,336
Average total loans$61,737,2004,160
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9893%5,417
Cost of funding earning assets0.7822%640
Net interest margin2.2071%5,600
Noninterest income to average assets0.5324%2,825
Noninterest expense to average assets1.7473%5,327
Loan and lease loss provision to assets0.0029%4,050
Net operating income to assets0.7012%3,972
Return on assets (ROA)0.7012%4,035
Pretax return on assets0.8812%4,099
Return on Equity (ROE)5.3083%4,408
Retained earnings to average equity (ytd only)5.3083%2,674
Net charge-offs to loans0.0107%3,341
Credit loss provision to net charge-offs100.0000%2,276
Earnings coverage of net charge-offs (x)302.4408%305
Efficiency ratio66.4002%3,145
Assets per employee ($millions)8.3771%551
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9871%4,135
Loan loss allowance to noncurrent loans36.8229%4,827
Noncurrent assets plus other real estate owned to assets0.7264%2,332
Noncurrent loans to loans2.6807%534
Net loans and leases to total assets26.8305%5,553
Net loans and leases to deposits31.1221%5,569
Net loans and leases to core deposits35.4760%5,530
Total domestic deposits to total assets86.2103%2,227
Equity capital to assets13.6429%1,102
Core capital (leverage) ratio13.4695%1,033
Tier 1 risk-based capital ratio50.7875%123
Total risk-based capital ratio51.7833%122
Memoranda:
Average total assets$228,160,2502,679
Average earning assets$216,987,2502,626
Average equity$30,140,7502,366
Average total loans$62,150,5004,183
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9544%5,468
Cost of funding earning assets0.7806%578
Net interest margin2.1738%5,654
Noninterest income to average assets0.2797%4,554
Noninterest expense to average assets1.7385%5,380
Loan and lease loss provision to assets0.0009%3,862
Net operating income to assets0.4362%4,879
Return on assets (ROA)0.4362%4,903
Pretax return on assets0.6092%4,781
Return on Equity (ROE)3.3376%5,028
Retained earnings to average equity (ytd only)3.3376%3,730
Net charge-offs to loans0.0032%3,381
Credit loss provision to net charge-offs100.0000%2,001
Earnings coverage of net charge-offs (x)698.0000%113
Efficiency ratio74.0231%2,015
Assets per employee ($millions)8.1832%573
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9659%4,342
Loan loss allowance to noncurrent loans29.9061%4,971
Noncurrent assets plus other real estate owned to assets0.8995%1,971
Noncurrent loans to loans3.2299%379
Net loans and leases to total assets27.0715%5,586
Net loans and leases to deposits31.2138%5,615
Net loans and leases to core deposits35.4928%5,575
Total domestic deposits to total assets86.7294%2,075
Equity capital to assets13.1615%1,298
Core capital (leverage) ratio13.1200%1,128
Tier 1 risk-based capital ratio47.6904%139
Total risk-based capital ratio48.6471%139
Memoranda:
Average total assets$228,819,3302,691
Average earning assets$217,780,0002,630
Average equity$29,901,6702,378
Average total loans$62,437,0004,192
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9594%5,497
Cost of funding earning assets0.7762%564
Net interest margin2.1832%5,710
Noninterest income to average assets0.2921%4,466
Noninterest expense to average assets1.7860%5,397
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4058%4,928
Return on assets (ROA)0.4058%4,955
Pretax return on assets0.5825%4,772
Return on Equity (ROE)3.1168%5,062
Retained earnings to average equity (ytd only)3.1168%3,853
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4062%1,997
Assets per employee ($millions)7.7136%697
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9706%4,440
Loan loss allowance to noncurrent loans27.6382%5,085
Noncurrent assets plus other real estate owned to assets0.9460%1,942
Noncurrent loans to loans3.5120%344
Net loans and leases to total assets26.6738%5,658
Net loans and leases to deposits30.6672%5,672
Net loans and leases to core deposits37.0718%5,597
Total domestic deposits to total assets86.9784%2,221
Equity capital to assets12.9166%1,290
Core capital (leverage) ratio12.9140%1,180
Tier 1 risk-based capital ratio47.1436%152
Total risk-based capital ratio48.0979%152
Memoranda:
Average total assets$228,664,0002,717
Average earning assets$217,474,0002,665
Average equity$29,774,0002,398
Average total loans$62,338,5004,231
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9276%5,552
Cost of funding earning assets0.8310%427
Net interest margin2.0966%5,786
Noninterest income to average assets0.2523%4,913
Noninterest expense to average assets1.7825%5,489
Loan and lease loss provision to assets0.0551%3,278
Net operating income to assets0.2968%5,227
Return on assets (ROA)0.2968%5,295
Pretax return on assets0.4106%5,212
Return on Equity (ROE)2.2943%5,328
Retained earnings to average equity (ytd only)2.2943%4,217
Net charge-offs to loans0.1180%2,074
Credit loss provision to net charge-offs166.6667%1,656
Earnings coverage of net charge-offs (x)14.0800%2,315
Efficiency ratio79.2860%1,515
Assets per employee ($millions)7.2878%808
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.9704%4,474
Loan loss allowance to noncurrent loans30.3410%5,076
Noncurrent assets plus other real estate owned to assets1.0464%1,808
Noncurrent loans to loans3.1982%401
Net loans and leases to total assets27.3290%5,699
Net loans and leases to deposits31.4665%5,719
Net loans and leases to core deposits35.7301%5,677
Total domestic deposits to total assets86.8512%2,222
Equity capital to assets13.1276%1,209
Core capital (leverage) ratio13.1104%1,099
Tier 1 risk-based capital ratio46.7482%161
Total risk-based capital ratio47.7018%161
Memoranda:
Average total assets$226,755,4002,691
Average earning assets$215,875,0002,645
Average equity$29,333,6002,418
Average total loans$63,556,8004,191
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9172%5,638
Cost of funding earning assets0.8370%412
Net interest margin2.0802%5,854
Noninterest income to average assets0.2467%4,995
Noninterest expense to average assets1.7888%5,529
Loan and lease loss provision to assets0.0129%3,992
Net operating income to assets0.3066%5,272
Return on assets (ROA)0.3066%5,358
Pretax return on assets0.4247%5,264
Return on Equity (ROE)2.3792%5,387
Retained earnings to average equity (ytd only)2.3792%4,490
Net charge-offs to loans0.0459%2,729
Credit loss provision to net charge-offs100.0000%2,352
Earnings coverage of net charge-offs (x)33.8667%1,381
Efficiency ratio80.3430%1,400
Assets per employee ($millions)7.3239%783
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.8788%4,938
Loan loss allowance to noncurrent loans24.3742%5,271
Noncurrent assets plus other real estate owned to assets1.1029%1,843
Noncurrent loans to loans3.6054%344
Net loans and leases to total assets27.5726%5,765
Net loans and leases to deposits31.7409%5,792
Net loans and leases to core deposits36.2425%5,752
Total domestic deposits to total assets86.8676%1,955
Equity capital to assets12.9968%1,490
Core capital (leverage) ratio12.9633%1,202
Tier 1 risk-based capital ratio46.2088%166
Total risk-based capital ratio47.0779%168
Memoranda:
Average total assets$226,964,0002,703
Average earning assets$216,003,7502,649
Average equity$29,252,5002,435
Average total loans$63,859,2504,209
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9313%5,705
Cost of funding earning assets0.8414%394
Net interest margin2.0900%5,934
Noninterest income to average assets0.2468%5,001
Noninterest expense to average assets1.7785%5,619
Loan and lease loss provision to assets0.0141%3,826
Net operating income to assets0.3208%5,263
Return on assets (ROA)0.3208%5,346
Pretax return on assets0.4442%5,258
Return on Equity (ROE)2.4959%5,382
Retained earnings to average equity (ytd only)2.4959%4,295
Net charge-offs to loans0.0499%2,483
Credit loss provision to net charge-offs100.0000%2,087
Earnings coverage of net charge-offs (x)32.5000%1,335
Efficiency ratio79.5114%1,556
Assets per employee ($millions)7.3470%747
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.8725%5,040
Loan loss allowance to noncurrent loans19.4396%5,416
Noncurrent assets plus other real estate owned to assets1.3738%1,438
Noncurrent loans to loans4.4881%231
Net loans and leases to total assets27.6865%5,831
Net loans and leases to deposits31.8179%5,855
Net loans and leases to core deposits36.3602%5,810
Total domestic deposits to total assets87.0155%1,907
Equity capital to assets12.8861%1,570
Core capital (leverage) ratio12.9461%1,170
Tier 1 risk-based capital ratio45.7093%168
Total risk-based capital ratio46.5736%169
Memoranda:
Average total assets$226,938,3302,712
Average earning assets$216,078,0002,656
Average equity$29,167,3302,433
Average total loans$64,093,6704,234
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9459%5,740
Cost of funding earning assets0.8523%386
Net interest margin2.0937%5,996
Noninterest income to average assets0.2366%5,049
Noninterest expense to average assets1.7711%5,679
Loan and lease loss provision to assets0.0088%3,572
Net operating income to assets0.3214%5,238
Return on assets (ROA)0.3214%5,320
Pretax return on assets0.4520%5,208
Return on Equity (ROE)2.5037%5,378
Retained earnings to average equity (ytd only)2.5037%4,254
Net charge-offs to loans0.0311%2,328
Credit loss provision to net charge-offs100.0000%1,610
Earnings coverage of net charge-offs (x)52.2000%859
Efficiency ratio79.3513%1,689
Assets per employee ($millions)7.8750%597
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8623%5,181
Loan loss allowance to noncurrent loans18.4877%5,457
Noncurrent assets plus other real estate owned to assets1.3351%1,599
Noncurrent loans to loans4.6642%227
Net loans and leases to total assets27.9400%5,876
Net loans and leases to deposits32.0643%5,899
Net loans and leases to core deposits36.5381%5,846
Total domestic deposits to total assets87.1374%2,141
Equity capital to assets12.7715%1,527
Core capital (leverage) ratio12.8994%1,195
Tier 1 risk-based capital ratio46.0993%163
Total risk-based capital ratio46.9765%162
Memoranda:
Average total assets$226,529,0002,719
Average earning assets$215,890,5002,669
Average equity$29,076,5002,428
Average total loans$64,334,0004,252
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8840%5,825
Cost of funding earning assets0.9395%237
Net interest margin1.9445%6,057
Noninterest income to average assets0.1642%5,597
Noninterest expense to average assets1.7450%5,803
Loan and lease loss provision to assets0.0246%3,896
Net operating income to assets0.1910%5,599
Return on assets (ROA)0.1910%5,650
Pretax return on assets0.2862%5,544
Return on Equity (ROE)1.5125%5,682
Retained earnings to average equity (ytd only)1.5125%4,863
Net charge-offs to loans0.0015%4,426
Credit loss provision to net charge-offs5,600.0000%64
Earnings coverage of net charge-offs (x)708.0000%90
Efficiency ratio84.8815%1,100
Assets per employee ($millions)7.2478%804
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.8631%5,224
Loan loss allowance to noncurrent loans21.4617%5,457
Noncurrent assets plus other real estate owned to assets1.1510%1,895
Noncurrent loans to loans4.0215%302
Net loans and leases to total assets28.3733%5,937
Net loans and leases to deposits32.5785%5,963
Net loans and leases to core deposits37.1568%5,900
Total domestic deposits to total assets87.0920%2,080
Equity capital to assets12.9008%1,399
Core capital (leverage) ratio12.8979%1,188
Tier 1 risk-based capital ratio44.8790%172
Total risk-based capital ratio45.7383%172
Memoranda:
Average total assets$227,796,0002,681
Average earning assets$221,600,6002,568
Average equity$28,760,4002,405
Average total loans$66,291,6004,187
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8588%5,926
Cost of funding earning assets0.9424%232
Net interest margin1.9164%6,152
Noninterest income to average assets0.1622%5,674
Noninterest expense to average assets1.7412%5,865
Loan and lease loss provision to assets0.0327%3,576
Net operating income to assets0.1732%5,728
Return on assets (ROA)0.1732%5,784
Pretax return on assets0.2625%5,699
Return on Equity (ROE)1.3796%5,802
Retained earnings to average equity (ytd only)1.3796%5,173
Net charge-offs to loans0.0020%4,115
Credit loss provision to net charge-offs5,600.0000%67
Earnings coverage of net charge-offs (x)507.2556%137
Efficiency ratio85.5056%1,041
Assets per employee ($millions)7.8513%577
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.8509%5,369
Loan loss allowance to noncurrent loans22.1027%5,551
Noncurrent assets plus other real estate owned to assets1.1801%2,003
Noncurrent loans to loans3.8499%361
Net loans and leases to total assets28.4017%6,020
Net loans and leases to deposits32.5814%6,042
Net loans and leases to core deposits37.4018%5,985
Total domestic deposits to total assets87.1714%1,948
Equity capital to assets12.6700%1,637
Core capital (leverage) ratio12.5999%1,362
Tier 1 risk-based capital ratio48.8982%145
Total risk-based capital ratio49.8390%147
Memoranda:
Average total assets$228,574,2502,694
Average earning assets$223,535,0002,580
Average equity$28,704,0002,424
Average total loans$66,788,2504,217
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8848%5,958
Cost of funding earning assets0.9494%220
Net interest margin1.9354%6,222
Noninterest income to average assets0.1573%5,765
Noninterest expense to average assets1.7390%5,933
Loan and lease loss provision to assets0.0489%3,143
Net operating income to assets0.1660%5,775
Return on assets (ROA)0.1660%5,828
Pretax return on assets0.2630%5,721
Return on Equity (ROE)1.3261%5,831
Retained earnings to average equity (ytd only)1.3261%5,020
Net charge-offs to loans0.0030%3,802
Credit loss provision to net charge-offs5,600.0000%88
Earnings coverage of net charge-offs (x)357.0000%193
Efficiency ratio84.7891%1,177
Assets per employee ($millions)7.9249%542
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8418%5,490
Loan loss allowance to noncurrent loans20.8333%5,664
Noncurrent assets plus other real estate owned to assets1.2357%2,040
Noncurrent loans to loans4.0406%376
Net loans and leases to total assets28.4462%6,087
Net loans and leases to deposits32.5518%6,111
Net loans and leases to core deposits37.2492%6,043
Total domestic deposits to total assets87.3877%1,971
Equity capital to assets12.5057%1,652
Core capital (leverage) ratio12.5360%1,361
Tier 1 risk-based capital ratio48.4108%161
Total risk-based capital ratio49.3456%160
Memoranda:
Average total assets$228,870,0002,709
Average earning assets$223,933,6702,593
Average equity$28,656,0002,440
Average total loans$67,310,3304,234
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9172%5,980
Cost of funding earning assets0.9557%219
Net interest margin1.9615%6,287
Noninterest income to average assets0.1506%5,837
Noninterest expense to average assets1.7338%5,981
Loan and lease loss provision to assets0.0018%3,689
Net operating income to assets0.2207%5,629
Return on assets (ROA)0.2207%5,722
Pretax return on assets0.3345%5,568
Return on Equity (ROE)1.7614%5,740
Retained earnings to average equity (ytd only)1.7614%4,769
Net charge-offs to loans0.0059%3,126
Credit loss provision to net charge-offs100.0000%1,606
Earnings coverage of net charge-offs (x)192.0000%289
Efficiency ratio83.7563%1,408
Assets per employee ($millions)7.1823%789
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.7447%5,819
Loan loss allowance to noncurrent loans28.1849%5,578
Noncurrent assets plus other real estate owned to assets0.8484%2,960
Noncurrent loans to loans2.6424%900
Net loans and leases to total assets28.9937%6,108
Net loans and leases to deposits33.1618%6,132
Net loans and leases to core deposits37.9151%6,041
Total domestic deposits to total assets87.4309%2,152
Equity capital to assets12.4773%1,706
Core capital (leverage) ratio12.5254%1,353
Tier 1 risk-based capital ratio45.5154%186
Total risk-based capital ratio46.3090%192
Memoranda:
Average total assets$228,393,5002,735
Average earning assets$223,499,0002,609
Average equity$28,613,5002,457
Average total loans$68,000,0004,233
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0186%6,046
Cost of funding earning assets1.0200%210
Net interest margin1.9986%6,371
Noninterest income to average assets0.1588%5,909
Noninterest expense to average assets1.7466%6,119
Loan and lease loss provision to assets0.0075%4,479
Net operating income to assets0.2376%5,684
Return on assets (ROA)0.2376%5,743
Pretax return on assets0.3599%5,590
Return on Equity (ROE)1.9071%5,789
Retained earnings to average equity (ytd only)1.9071%4,852
Net charge-offs to loans0.0242%4,350
Credit loss provision to net charge-offs100.0000%2,387
Earnings coverage of net charge-offs (x)49.1176%937
Efficiency ratio82.6223%1,580
Assets per employee ($millions)7.0923%804
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.7261%5,939
Loan loss allowance to noncurrent loans30.8071%5,634
Noncurrent assets plus other real estate owned to assets0.7927%3,225
Noncurrent loans to loans2.3569%1,102
Net loans and leases to total assets30.1220%6,172
Net loans and leases to deposits34.4622%6,210
Net loans and leases to core deposits39.5786%6,104
Total domestic deposits to total assets87.4058%2,079
Equity capital to assets12.5796%1,593
Core capital (leverage) ratio12.5796%1,316
Tier 1 risk-based capital ratio45.7569%165
Total risk-based capital ratio46.5582%170
Memoranda:
Average total assets$227,295,6002,720
Average earning assets$222,356,0002,604
Average equity$28,315,2002,385
Average total loans$70,256,0004,178
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0487%6,085
Cost of funding earning assets1.0278%214
Net interest margin2.0208%6,445
Noninterest income to average assets0.1583%5,960
Noninterest expense to average assets1.7169%6,196
Loan and lease loss provision to assets0.0070%4,279
Net operating income to assets0.2703%5,678
Return on assets (ROA)0.2703%5,744
Pretax return on assets0.4105%5,558
Return on Equity (ROE)2.1753%5,798
Retained earnings to average equity (ytd only)2.1753%4,971
Net charge-offs to loans0.0227%4,066
Credit loss provision to net charge-offs100.0000%2,200
Earnings coverage of net charge-offs (x)59.3319%869
Efficiency ratio80.4396%1,854
Assets per employee ($millions)7.1363%762
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.7314%6,038
Loan loss allowance to noncurrent loans24.3665%5,859
Noncurrent assets plus other real estate owned to assets0.9332%3,105
Noncurrent loans to loans3.0015%891
Net loans and leases to total assets29.7182%6,259
Net loans and leases to deposits33.9908%6,298
Net loans and leases to core deposits39.0417%6,203
Total domestic deposits to total assets87.4300%2,075
Equity capital to assets12.4679%1,721
Core capital (leverage) ratio12.4679%1,420
Tier 1 risk-based capital ratio46.5282%161
Total risk-based capital ratio47.3453%165
Memoranda:
Average total assets$227,381,0002,737
Average earning assets$222,344,2502,613
Average equity$28,256,5002,403
Average total loans$70,604,2504,197
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0848%6,076
Cost of funding earning assets1.0322%219
Net interest margin2.0526%6,505
Noninterest income to average assets0.1550%6,017
Noninterest expense to average assets1.6974%6,272
Loan and lease loss provision to assets0.0035%4,147
Net operating income to assets0.3048%5,552
Return on assets (ROA)0.3048%5,622
Pretax return on assets0.4616%5,385
Return on Equity (ROE)2.4552%5,711
Retained earnings to average equity (ytd only)2.4552%4,648
Net charge-offs to loans0.0112%4,033
Credit loss provision to net charge-offs100.0000%1,983
Earnings coverage of net charge-offs (x)132.0000%456
Efficiency ratio78.4929%2,229
Assets per employee ($millions)7.1587%742
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.7065%6,161
Loan loss allowance to noncurrent loans20.9205%5,980
Noncurrent assets plus other real estate owned to assets1.0433%2,980
Noncurrent loans to loans3.3769%812
Net loans and leases to total assets30.6768%6,283
Net loans and leases to deposits35.0487%6,321
Net loans and leases to core deposits40.1703%6,218
Total domestic deposits to total assets87.5261%2,187
Equity capital to assets12.3787%1,720
Core capital (leverage) ratio12.3787%1,458
Tier 1 risk-based capital ratio45.1991%175
Total risk-based capital ratio45.9960%179
Memoranda:
Average total assets$227,054,0002,758
Average earning assets$222,057,6702,624
Average equity$28,184,6702,396
Average total loans$71,350,6704,189
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1051%6,112
Cost of funding earning assets1.0350%233
Net interest margin2.0700%6,572
Noninterest income to average assets0.1540%6,052
Noninterest expense to average assets1.7023%6,348
Loan and lease loss provision to assets0.0071%3,728
Net operating income to assets0.3097%5,457
Return on assets (ROA)0.3097%5,505
Pretax return on assets0.4689%5,259
Return on Equity (ROE)2.4912%5,631
Retained earnings to average equity (ytd only)2.4912%4,581
Net charge-offs to loans0.0223%3,129
Credit loss provision to net charge-offs100.0000%1,649
Earnings coverage of net charge-offs (x)67.2500%605
Efficiency ratio78.1478%2,455
Assets per employee ($millions)7.1177%759
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.7029%6,274
Loan loss allowance to noncurrent loans30.7692%5,839
Noncurrent assets plus other real estate owned to assets0.7134%3,976
Noncurrent loans to loans2.2844%1,566
Net loans and leases to total assets31.0115%6,306
Net loans and leases to deposits35.4268%6,335
Net loans and leases to core deposits40.5248%6,218
Total domestic deposits to total assets87.5368%2,487
Equity capital to assets12.3749%1,640
Core capital (leverage) ratio12.3749%1,439
Tier 1 risk-based capital ratio44.8001%177
Total risk-based capital ratio45.5949%184
Memoranda:
Average total assets$226,041,5002,769
Average earning assets$221,059,0002,641
Average equity$28,098,5002,397
Average total loans$71,639,0004,212
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2889%6,011
Cost of funding earning assets1.0852%306
Net interest margin2.2037%6,579
Noninterest income to average assets0.1637%6,112
Noninterest expense to average assets1.7359%6,404
Loan and lease loss provision to assets0.0220%4,687
Net operating income to assets0.3665%5,275
Return on assets (ROA)0.3665%5,389
Pretax return on assets0.5552%5,030
Return on Equity (ROE)3.0199%5,500
Retained earnings to average equity (ytd only)3.0199%4,086
Net charge-offs to loans0.0655%4,294
Credit loss provision to net charge-offs100.0000%2,416
Earnings coverage of net charge-offs (x)26.2400%1,299
Efficiency ratio75.0475%2,940
Assets per employee ($millions)7.0099%761
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.6931%6,354
Loan loss allowance to noncurrent loans26.6383%6,038
Noncurrent assets plus other real estate owned to assets0.8854%3,679
Noncurrent loans to loans2.6017%1,439
Net loans and leases to total assets31.9389%6,385
Net loans and leases to deposits36.5009%6,412
Net loans and leases to core deposits41.9407%6,307
Total domestic deposits to total assets87.5016%2,472
Equity capital to assets12.4873%1,516
Core capital (leverage) ratio12.4873%1,370
Tier 1 risk-based capital ratio43.9478%182
Total risk-based capital ratio44.7323%186
Memoranda:
Average total assets$227,312,0002,743
Average earning assets$221,716,2002,600
Average equity$27,583,6002,415
Average total loans$76,330,6004,048
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2282%6,158
Cost of funding earning assets1.0859%333
Net interest margin2.1423%6,680
Noninterest income to average assets0.1602%6,225
Noninterest expense to average assets1.6755%6,493
Loan and lease loss provision to assets0.0240%4,529
Net operating income to assets0.3636%5,395
Return on assets (ROA)0.3636%5,526
Pretax return on assets0.5507%5,204
Return on Equity (ROE)3.0182%5,597
Retained earnings to average equity (ytd only)3.0182%4,513
Net charge-offs to loans0.0707%3,919
Credit loss provision to net charge-offs100.0000%2,333
Earnings coverage of net charge-offs (x)23.9735%1,444
Efficiency ratio74.4609%2,988
Assets per employee ($millions)7.0555%728
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.6763%6,467
Loan loss allowance to noncurrent loans28.2965%6,042
Noncurrent assets plus other real estate owned to assets0.8083%4,082
Noncurrent loans to loans2.3902%1,838
Net loans and leases to total assets32.5224%6,429
Net loans and leases to deposits37.1533%6,468
Net loans and leases to core deposits42.5386%6,371
Total domestic deposits to total assets87.5355%2,396
Equity capital to assets12.3130%1,701
Core capital (leverage) ratio12.3130%1,511
Tier 1 risk-based capital ratio42.1838%213
Total risk-based capital ratio42.9426%217
Memoranda:
Average total assets$228,061,0002,760
Average earning assets$222,491,7502,605
Average equity$27,476,7502,442
Average total loans$77,377,2504,046
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2258%6,197
Cost of funding earning assets1.0878%353
Net interest margin2.1380%6,718
Noninterest income to average assets0.1599%6,254
Noninterest expense to average assets1.7079%6,489
Loan and lease loss provision to assets0.0358%4,231
Net operating income to assets0.3313%5,485
Return on assets (ROA)0.3313%5,645
Pretax return on assets0.5017%5,371
Return on Equity (ROE)2.7696%5,703
Retained earnings to average equity (ytd only)2.7696%4,551
Net charge-offs to loans0.1044%3,315
Credit loss provision to net charge-offs100.0000%2,196
Earnings coverage of net charge-offs (x)15.0000%1,781
Efficiency ratio76.0607%2,777
Assets per employee ($millions)7.1098%689
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.6609%6,548
Loan loss allowance to noncurrent loans18.6498%6,332
Noncurrent assets plus other real estate owned to assets1.2377%3,277
Noncurrent loans to loans3.5438%1,180
Net loans and leases to total assets33.0325%6,457
Net loans and leases to deposits37.6231%6,497
Net loans and leases to core deposits43.2753%6,358
Total domestic deposits to total assets87.7986%2,383
Equity capital to assets12.1126%1,842
Core capital (leverage) ratio12.1126%1,559
Tier 1 risk-based capital ratio42.4237%203
Total risk-based capital ratio43.1934%206
Memoranda:
Average total assets$228,822,3302,757
Average earning assets$223,203,6702,607
Average equity$27,369,0002,463
Average total loans$78,527,0004,023
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2490%6,239
Cost of funding earning assets1.0836%403
Net interest margin2.1654%6,779
Noninterest income to average assets0.1673%6,263
Noninterest expense to average assets1.7501%6,502
Loan and lease loss provision to assets0.0209%4,206
Net operating income to assets0.3347%5,423
Return on assets (ROA)0.3347%5,560
Pretax return on assets0.5072%5,231
Return on Equity (ROE)2.8158%5,660
Retained earnings to average equity (ytd only)2.8158%4,598
Net charge-offs to loans0.0600%3,218
Credit loss provision to net charge-offs100.0000%1,815
Earnings coverage of net charge-offs (x)25.2500%1,056
Efficiency ratio76.8171%2,792
Assets per employee ($millions)7.1551%722
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.6337%6,666
Loan loss allowance to noncurrent loans16.9837%6,411
Noncurrent assets plus other real estate owned to assets1.2858%3,401
Noncurrent loans to loans3.7313%1,257
Net loans and leases to total assets34.2418%6,405
Net loans and leases to deposits38.9183%6,466
Net loans and leases to core deposits44.8372%6,271
Total domestic deposits to total assets87.9836%2,320
Equity capital to assets11.9543%2,072
Core capital (leverage) ratio11.9543%1,597
Tier 1 risk-based capital ratio40.1011%231
Total risk-based capital ratio40.8336%236
Memoranda:
Average total assets$229,476,0002,782
Average earning assets$223,702,0002,627
Average equity$27,274,5002,502
Average total loans$79,963,5004,011
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6692%6,102
Cost of funding earning assets1.3324%326
Net interest margin2.3369%6,819
Noninterest income to average assets0.1740%6,161
Noninterest expense to average assets1.6989%6,725
Loan and lease loss provision to assets0.1216%4,094
Net operating income to assets0.4074%5,068
Return on assets (ROA)0.4074%5,322
Pretax return on assets0.6171%4,945
Return on Equity (ROE)3.4513%5,369
Retained earnings to average equity (ytd only)3.4513%3,799
Net charge-offs to loans0.3238%3,030
Credit loss provision to net charge-offs100.0000%3,032
Earnings coverage of net charge-offs (x)6.0761%2,879
Efficiency ratio69.6964%3,869
Assets per employee ($millions)7.1872%714
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.6171%6,736
Loan loss allowance to noncurrent loans16.0617%6,468
Noncurrent assets plus other real estate owned to assets1.4827%3,164
Noncurrent loans to loans3.8420%1,259
Net loans and leases to total assets35.0130%6,491
Net loans and leases to deposits39.7091%6,570
Net loans and leases to core deposits46.1697%6,363
Total domestic deposits to total assets88.1738%2,118
Equity capital to assets11.8171%2,167
Core capital (leverage) ratio11.8171%1,659
Tier 1 risk-based capital ratio40.9881%222
Total risk-based capital ratio41.7422%229
Memoranda:
Average total assets$227,024,4002,764
Average earning assets$219,909,2002,616
Average equity$26,801,8002,501
Average total loans$85,242,8003,870
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7920%6,045
Cost of funding earning assets1.3747%326
Net interest margin2.4173%6,881
Noninterest income to average assets0.1756%6,252
Noninterest expense to average assets1.6310%6,848
Loan and lease loss provision to assets0.0901%4,477
Net operating income to assets0.5226%4,745
Return on assets (ROA)0.5226%5,009
Pretax return on assets0.7919%4,520
Return on Equity (ROE)4.4281%5,084
Retained earnings to average equity (ytd only)4.4281%3,778
Net charge-offs to loans0.1900%3,594
Credit loss provision to net charge-offs124.3902%2,325
Earnings coverage of net charge-offs (x)12.1704%2,020
Efficiency ratio64.9004%4,641
Assets per employee ($millions)7.3047%636
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.5993%6,867
Loan loss allowance to noncurrent loans17.5562%6,550
Noncurrent assets plus other real estate owned to assets1.3664%3,561
Noncurrent loans to loans3.4136%1,600
Net loans and leases to total assets35.4781%6,578
Net loans and leases to deposits40.1884%6,668
Net loans and leases to core deposits46.6163%6,482
Total domestic deposits to total assets88.2794%1,862
Equity capital to assets11.6111%2,636
Core capital (leverage) ratio11.6111%1,901
Tier 1 risk-based capital ratio40.9206%222
Total risk-based capital ratio41.6745%227
Memoranda:
Average total assets$226,283,2502,792
Average earning assets$218,809,0002,654
Average equity$26,707,7502,525
Average total loans$86,297,0003,881
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9213%5,862
Cost of funding earning assets1.4236%318
Net interest margin2.4977%6,892
Noninterest income to average assets0.1680%6,339
Noninterest expense to average assets1.6479%6,883
Loan and lease loss provision to assets0.0992%4,290
Net operating income to assets0.5478%4,591
Return on assets (ROA)0.5478%4,870
Pretax return on assets0.8293%4,363
Return on Equity (ROE)4.6154%4,989
Retained earnings to average equity (ytd only)4.6154%3,541
Net charge-offs to loans0.1857%3,469
Credit loss provision to net charge-offs137.0370%2,005
Earnings coverage of net charge-offs (x)12.8272%1,844
Efficiency ratio63.9612%4,910
Assets per employee ($millions)7.1185%694
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.5907%6,944
Loan loss allowance to noncurrent loans17.4520%6,588
Noncurrent assets plus other real estate owned to assets1.4281%3,573
Noncurrent loans to loans3.3848%1,713
Net loans and leases to total assets36.9384%6,552
Net loans and leases to deposits41.9160%6,649
Net loans and leases to core deposits48.2939%6,441
Total domestic deposits to total assets88.1247%2,059
Equity capital to assets11.7936%2,321
Core capital (leverage) ratio11.7936%1,729
Tier 1 risk-based capital ratio38.5831%262
Total risk-based capital ratio39.3012%268
Memoranda:
Average total assets$223,794,3302,831
Average earning assets$215,796,6702,691
Average equity$26,563,3302,525
Average total loans$87,252,6703,876
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9841%5,817
Cost of funding earning assets1.4753%322
Net interest margin2.5089%6,949
Noninterest income to average assets0.1713%6,354
Noninterest expense to average assets1.5907%6,985
Loan and lease loss provision to assets0.1172%3,882
Net operating income to assets0.5753%4,469
Return on assets (ROA)0.5753%4,694
Pretax return on assets0.8711%4,145
Return on Equity (ROE)4.8310%4,864
Retained earnings to average equity (ytd only)4.8310%3,651
Net charge-offs to loans0.2033%2,902
Credit loss provision to net charge-offs144.4444%1,713
Earnings coverage of net charge-offs (x)12.1778%1,620
Efficiency ratio61.6783%5,335
Assets per employee ($millions)7.0901%726
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.5407%7,035
Loan loss allowance to noncurrent loans19.5021%6,580
Noncurrent assets plus other real estate owned to assets1.1733%4,169
Noncurrent loans to loans2.7724%2,340
Net loans and leases to total assets38.1064%6,485
Net loans and leases to deposits43.2201%6,598
Net loans and leases to core deposits50.0808%6,335
Total domestic deposits to total assets88.1684%2,203
Equity capital to assets11.7113%2,253
Core capital (leverage) ratio11.7113%1,763
Tier 1 risk-based capital ratio36.7928%294
Total risk-based capital ratio37.4436%299
Memoranda:
Average total assets$221,795,0002,867
Average earning assets$212,844,0002,737
Average equity$26,412,5002,537
Average total loans$88,557,5003,864
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3889%5,471
Cost of funding earning assets1.9055%146
Net interest margin2.4834%7,065
Noninterest income to average assets0.2125%5,996
Noninterest expense to average assets1.7915%6,961
Loan and lease loss provision to assets0.0812%5,600
Net operating income to assets0.4561%4,606
Return on assets (ROA)0.4561%4,821
Pretax return on assets0.6909%4,354
Return on Equity (ROE)3.8157%4,936
Retained earnings to average equity (ytd only)3.8157%3,497
Net charge-offs to loans0.1850%4,665
Credit loss provision to net charge-offs100.0000%3,501
Earnings coverage of net charge-offs (x)9.5086%1,968
Efficiency ratio69.8824%3,985
Assets per employee ($millions)6.5669%922
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.5001%7,105
Loan loss allowance to noncurrent loans23.8624%6,482
Noncurrent assets plus other real estate owned to assets1.1024%4,412
Noncurrent loans to loans2.0956%3,072
Net loans and leases to total assets41.4094%6,428
Net loans and leases to deposits47.1273%6,556
Net loans and leases to core deposits54.8521%6,238
Total domestic deposits to total assets87.8670%2,240
Equity capital to assets12.1150%2,035
Core capital (leverage) ratio12.1150%1,529
Tier 1 risk-based capital ratio32.2927%418
Total risk-based capital ratio32.8475%434
Memoranda:
Average total assets$215,523,4002,889
Average earning assets$204,036,4002,802
Average equity$25,762,2002,500
Average total loans$94,580,8003,755
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4700%5,344
Cost of funding earning assets1.9871%123
Net interest margin2.4829%7,140
Noninterest income to average assets0.2137%6,082
Noninterest expense to average assets1.7748%7,022
Loan and lease loss provision to assets0.0836%5,397
Net operating income to assets0.4646%4,702
Return on assets (ROA)0.4646%4,892
Pretax return on assets0.7037%4,467
Return on Equity (ROE)3.9002%5,039
Retained earnings to average equity (ytd only)3.9002%3,947
Net charge-offs to loans0.1881%4,293
Credit loss provision to net charge-offs100.0000%3,366
Earnings coverage of net charge-offs (x)9.4146%2,052
Efficiency ratio69.2698%4,079
Assets per employee ($millions)6.5364%930
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.3763%7,245
Loan loss allowance to noncurrent loans20.4784%6,663
Noncurrent assets plus other real estate owned to assets1.0978%4,575
Noncurrent loans to loans1.8373%3,586
Net loans and leases to total assets43.0862%6,425
Net loans and leases to deposits49.0977%6,561
Net loans and leases to core deposits56.6793%6,257
Total domestic deposits to total assets87.7561%2,189
Equity capital to assets12.0631%2,204
Core capital (leverage) ratio12.0631%1,671
Tier 1 risk-based capital ratio30.8780%499
Total risk-based capital ratio31.2946%527
Memoranda:
Average total assets$215,227,5002,898
Average earning assets$203,572,7502,813
Average equity$25,639,2502,514
Average total loans$95,679,0003,767
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5015%5,351
Cost of funding earning assets2.0679%116
Net interest margin2.4336%7,221
Noninterest income to average assets0.2064%6,186
Noninterest expense to average assets1.7538%7,127
Loan and lease loss provision to assets0.0260%5,978
Net operating income to assets0.4808%4,592
Return on assets (ROA)0.4808%4,736
Pretax return on assets0.7281%4,282
Return on Equity (ROE)4.0529%4,920
Retained earnings to average equity (ytd only)4.0529%3,625
Net charge-offs to loans0.0580%5,071
Credit loss provision to net charge-offs100.0000%3,113
Earnings coverage of net charge-offs (x)28.9643%951
Efficiency ratio69.9296%4,136
Assets per employee ($millions)6.3827%978
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.3705%7,309
Loan loss allowance to noncurrent loans25.6955%6,486
Noncurrent assets plus other real estate owned to assets0.8244%5,233
Noncurrent loans to loans1.4418%4,255
Net loans and leases to total assets43.4969%6,477
Net loans and leases to deposits49.4209%6,641
Net loans and leases to core deposits57.3427%6,320
Total domestic deposits to total assets88.0131%2,127
Equity capital to assets11.8828%2,184
Core capital (leverage) ratio11.8828%1,679
Tier 1 risk-based capital ratio31.0365%487
Total risk-based capital ratio31.4590%514
Memoranda:
Average total assets$215,070,0002,910
Average earning assets$203,399,0002,830
Average equity$25,512,3302,510
Average total loans$96,476,0003,786
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5313%5,237
Cost of funding earning assets2.1768%94
Net interest margin2.3545%7,282
Noninterest income to average assets0.1980%6,306
Noninterest expense to average assets1.7880%7,156
Loan and lease loss provision to assets0.0430%5,453
Net operating income to assets0.3923%4,986
Return on assets (ROA)0.3923%5,076
Pretax return on assets0.5941%4,705
Return on Equity (ROE)3.3103%5,240
Retained earnings to average equity (ytd only)3.3103%4,201
Net charge-offs to loans0.0945%3,998
Credit loss provision to net charge-offs100.0000%2,647
Earnings coverage of net charge-offs (x)14.8261%1,350
Efficiency ratio73.7288%3,564
Assets per employee ($millions)6.3140%1,025
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.3646%7,365
Loan loss allowance to noncurrent loans24.0576%6,603
Noncurrent assets plus other real estate owned to assets0.8832%5,143
Noncurrent loans to loans1.5155%4,203
Net loans and leases to total assets44.6820%6,408
Net loans and leases to deposits50.7623%6,569
Net loans and leases to core deposits58.1857%6,239
Total domestic deposits to total assets88.0220%2,360
Equity capital to assets11.8690%2,000
Core capital (leverage) ratio11.8690%1,638
Tier 1 risk-based capital ratio30.5849%493
Total risk-based capital ratio31.0063%522
Memoranda:
Average total assets$214,099,5002,948
Average earning assets$202,503,5002,866
Average equity$25,375,0002,508
Average total loans$97,342,0003,796
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8091%5,375
Cost of funding earning assets2.6949%60
Net interest margin2.1142%7,424
Noninterest income to average assets0.2279%6,174
Noninterest expense to average assets1.7615%7,298
Loan and lease loss provision to assets0.0096%6,988
Net operating income to assets0.3095%4,904
Return on assets (ROA)0.3095%5,074
Pretax return on assets0.4693%4,725
Return on Equity (ROE)2.5807%5,138
Retained earnings to average equity (ytd only)2.5807%4,056
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.6250%2,592
Assets per employee ($millions)6.2801%1,046
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.3567%7,453
Loan loss allowance to noncurrent loans19.6639%6,823
Noncurrent assets plus other real estate owned to assets1.0139%4,973
Noncurrent loans to loans1.8138%3,797
Net loans and leases to total assets45.9250%6,564
Net loans and leases to deposits52.0989%6,740
Net loans and leases to core deposits59.9250%6,395
Total domestic deposits to total assets88.1497%2,151
Equity capital to assets11.8348%2,015
Core capital (leverage) ratio11.8348%1,649
Tier 1 risk-based capital ratio30.0991%504
Total risk-based capital ratio30.5172%523
Memoranda:
Average total assets$208,399,0002,995
Average earning assets$198,375,6002,898
Average equity$24,993,4002,558
Average total loans$102,374,8003,730
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9006%5,266
Cost of funding earning assets2.7495%56
Net interest margin2.1512%7,533
Noninterest income to average assets0.2440%6,145
Noninterest expense to average assets1.7478%7,393
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets0.3598%4,930
Return on assets (ROA)0.3598%5,109
Pretax return on assets0.5446%4,778
Return on Equity (ROE)2.9903%5,226
Retained earnings to average equity (ytd only)2.9903%4,342
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2426%2,897
Assets per employee ($millions)6.1687%1,135
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.3297%7,577
Loan loss allowance to noncurrent loans19.7141%6,914
Noncurrent assets plus other real estate owned to assets0.9235%5,259
Noncurrent loans to loans1.6722%4,137
Net loans and leases to total assets47.7138%6,547
Net loans and leases to deposits54.3155%6,749
Net loans and leases to core deposits62.2259%6,442
Total domestic deposits to total assets87.8457%2,053
Equity capital to assets12.0075%2,157
Core capital (leverage) ratio12.0075%1,668
Tier 1 risk-based capital ratio29.6719%529
Total risk-based capital ratio30.0619%567
Memoranda:
Average total assets$207,118,2503,051
Average earning assets$197,221,7502,961
Average equity$24,924,2502,598
Average total loans$103,365,7503,750
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0282%4,810
Cost of funding earning assets2.7713%70
Net interest margin2.2570%7,552
Noninterest income to average assets0.2376%6,207
Noninterest expense to average assets1.7465%7,462
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets0.4218%4,651
Return on assets (ROA)0.4218%4,807
Pretax return on assets0.6400%4,433
Return on Equity (ROE)3.5027%5,015
Retained earnings to average equity (ytd only)3.5027%3,879
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1816%3,627
Assets per employee ($millions)6.1034%1,153
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.3211%7,655
Loan loss allowance to noncurrent loans24.4642%6,710
Noncurrent assets plus other real estate owned to assets0.7484%5,627
Noncurrent loans to loans1.3124%4,757
Net loans and leases to total assets49.5191%6,489
Net loans and leases to deposits56.3921%6,691
Net loans and leases to core deposits64.3795%6,370
Total domestic deposits to total assets87.8120%2,100
Equity capital to assets12.0762%2,055
Core capital (leverage) ratio12.0762%1,603
Tier 1 risk-based capital ratio29.6540%529
Total risk-based capital ratio30.0457%567
Memoranda:
Average total assets$206,245,6703,090
Average earning assets$196,371,0002,996
Average equity$24,837,6702,605
Average total loans$104,353,0003,759
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0294%4,888
Cost of funding earning assets2.8014%87
Net interest margin2.2280%7,635
Noninterest income to average assets0.2393%6,236
Noninterest expense to average assets1.7567%7,517
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.3949%4,859
Return on assets (ROA)0.3949%5,002
Pretax return on assets0.5992%4,610
Return on Equity (ROE)3.2839%5,214
Retained earnings to average equity (ytd only)3.2839%4,174
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5665%3,475
Assets per employee ($millions)6.0754%1,208
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.3164%7,745
Loan loss allowance to noncurrent loans27.2652%6,581
Noncurrent assets plus other real estate owned to assets0.6923%5,789
Noncurrent loans to loans1.1605%5,048
Net loans and leases to total assets50.4846%6,422
Net loans and leases to deposits57.4436%6,658
Net loans and leases to core deposits65.2995%6,342
Total domestic deposits to total assets87.8855%2,127
Equity capital to assets12.0196%2,033
Core capital (leverage) ratio12.0196%1,645
Tier 1 risk-based capital ratio29.1631%574
Total risk-based capital ratio29.5519%604
Memoranda:
Average total assets$205,610,5003,149
Average earning assets$195,331,0003,057
Average equity$24,726,5002,638
Average total loans$104,984,0003,797
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1065%6,062
Cost of funding earning assets2.9922%239
Net interest margin2.1143%7,695
Noninterest income to average assets0.2530%6,291
Noninterest expense to average assets1.7898%7,618
Loan and lease loss provision to assets0.0156%7,341
Net operating income to assets0.3129%4,487
Return on assets (ROA)0.3129%4,569
Pretax return on assets0.4734%4,271
Return on Equity (ROE)2.5543%4,687
Retained earnings to average equity (ytd only)2.5543%3,362
Net charge-offs to loans0.0178%6,970
Credit loss provision to net charge-offs163.1579%2,690
Earnings coverage of net charge-offs (x)51.1579%509
Efficiency ratio78.5430%3,113
Assets per employee ($millions)6.0194%1,234
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.3142%7,821
Loan loss allowance to noncurrent loans32.5147%6,286
Noncurrent assets plus other real estate owned to assets0.6030%5,950
Noncurrent loans to loans0.9663%5,382
Net loans and leases to total assets51.3166%6,497
Net loans and leases to deposits58.3476%6,761
Net loans and leases to core deposits92.4003%4,837
Total domestic deposits to total assets87.9497%1,992
Equity capital to assets12.0322%2,016
Core capital (leverage) ratio12.0322%1,654
Tier 1 risk-based capital ratio28.9352%584
Total risk-based capital ratio29.3241%617
Memoranda:
Average total assets$198,793,4003,198
Average earning assets$190,463,8003,091
Average equity$24,350,8002,680
Average total loans$106,499,8003,767
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1621%6,053
Cost of funding earning assets3.0083%325
Net interest margin2.1539%7,733
Noninterest income to average assets0.2547%6,410
Noninterest expense to average assets1.7737%7,690
Loan and lease loss provision to assets0.0081%7,242
Net operating income to assets0.3574%4,563
Return on assets (ROA)0.3574%4,661
Pretax return on assets0.5426%4,390
Return on Equity (ROE)2.9047%4,835
Retained earnings to average equity (ytd only)2.9047%3,698
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3081%3,451
Assets per employee ($millions)5.9050%1,278
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.3132%7,899
Loan loss allowance to noncurrent loans36.5746%5,961
Noncurrent assets plus other real estate owned to assets0.5608%6,056
Noncurrent loans to loans0.8563%5,586
Net loans and leases to total assets52.4757%6,561
Net loans and leases to deposits59.8722%6,836
Net loans and leases to core deposits96.0988%4,805
Total domestic deposits to total assets87.6461%1,826
Equity capital to assets12.2189%2,110
Core capital (leverage) ratio12.2189%1,700
Tier 1 risk-based capital ratio29.3136%611
Total risk-based capital ratio29.7092%640
Memoranda:
Average total assets$197,327,0003,230
Average earning assets$189,606,7503,121
Average equity$24,282,2502,710
Average total loans$106,786,0003,800
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2044%6,062
Cost of funding earning assets3.0159%447
Net interest margin2.1886%7,755
Noninterest income to average assets0.2610%6,408
Noninterest expense to average assets1.7719%7,773
Loan and lease loss provision to assets0.0122%7,091
Net operating income to assets0.3843%4,569
Return on assets (ROA)0.3843%4,670
Pretax return on assets0.5831%4,366
Return on Equity (ROE)3.1158%4,856
Retained earnings to average equity (ytd only)3.1158%3,581
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8493%3,900
Assets per employee ($millions)5.7767%1,359
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.3127%7,979
Loan loss allowance to noncurrent loans29.9006%6,488
Noncurrent assets plus other real estate owned to assets0.6761%5,719
Noncurrent loans to loans1.0457%5,122
Net loans and leases to total assets53.7292%6,492
Net loans and leases to deposits61.4351%6,783
Net loans and leases to core deposits103.5735%4,109
Total domestic deposits to total assets87.4568%2,030
Equity capital to assets12.4129%1,967
Core capital (leverage) ratio12.4129%1,648
Tier 1 risk-based capital ratio29.5547%626
Total risk-based capital ratio29.9560%665
Memoranda:
Average total assets$196,179,0003,266
Average earning assets$188,800,3303,156
Average equity$24,199,0002,729
Average total loans$107,152,3303,829
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2568%6,087
Cost of funding earning assets3.0336%559
Net interest margin2.2232%7,775
Noninterest income to average assets0.2530%6,437
Noninterest expense to average assets1.7076%7,816
Loan and lease loss provision to assets0.0245%6,604
Net operating income to assets0.4346%4,725
Return on assets (ROA)0.4346%4,899
Pretax return on assets0.6590%4,561
Return on Equity (ROE)3.5340%5,155
Retained earnings to average equity (ytd only)3.5340%3,928
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4164%4,287
Assets per employee ($millions)5.8006%1,320
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.3079%8,023
Loan loss allowance to noncurrent loans47.9016%5,336
Noncurrent assets plus other real estate owned to assets0.4736%6,064
Noncurrent loans to loans0.6429%5,806
Net loans and leases to total assets54.3350%6,428
Net loans and leases to deposits61.9817%6,740
Net loans and leases to core deposits103.5863%4,180
Total domestic deposits to total assets87.6630%1,901
Equity capital to assets12.2782%2,090
Core capital (leverage) ratio12.2782%1,772
Tier 1 risk-based capital ratio29.1147%680
Total risk-based capital ratio29.5127%719
Memoranda:
Average total assets$196,064,0003,285
Average earning assets$188,556,5003,177
Average equity$24,108,5002,754
Average total loans$107,798,5003,849
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3519%7,533
Cost of funding earning assets3.4997%519
Net interest margin1.8522%8,121
Noninterest income to average assets0.3166%6,188
Noninterest expense to average assets1.6787%7,885
Loan and lease loss provision to assets0.0036%7,308
Net operating income to assets0.2587%5,681
Return on assets (ROA)0.2587%5,497
Pretax return on assets0.3919%5,278
Return on Equity (ROE)2.1297%5,568
Retained earnings to average equity (ytd only)2.1297%3,907
Net charge-offs to loans0.0049%6,910
Credit loss provision to net charge-offs140.0000%3,794
Earnings coverage of net charge-offs (x)154.4000%297
Efficiency ratio80.9336%2,462
Assets per employee ($millions)5.9063%1,189
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.3062%8,079
Loan loss allowance to noncurrent loans41.2718%5,974
Noncurrent assets plus other real estate owned to assets0.5849%5,430
Noncurrent loans to loans0.7419%5,175
Net loans and leases to total assets55.2955%6,521
Net loans and leases to deposits63.0712%6,872
Net loans and leases to core deposits106.5043%4,130
Total domestic deposits to total assets87.6717%1,624
Equity capital to assets12.3145%2,102
Core capital (leverage) ratio12.3145%1,828
Tier 1 risk-based capital ratio28.9153%699
Total risk-based capital ratio29.3140%740
Memoranda:
Average total assets$195,205,8003,199
Average earning assets$185,243,2003,112
Average equity$23,712,4002,762
Average total loans$101,652,2003,901