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Waypoint 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 assets5.1862%2,756
Cost of funding earning assets1.5813%3,009
Net interest margin3.6049%2,074
Noninterest income to average assets0.3300%2,671
Noninterest expense to average assets2.1703%3,193
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets1.4822%1,128
Return on assets (ROA)1.4822%1,124
Pretax return on assets1.5016%1,511
Return on Equity (ROE)14.7000%1,132
Retained earnings to average equity (ytd only)4.0925%2,837
Net charge-offs to loans-0.0032%3,632
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio59.1056%3,075
Assets per employee ($millions)7.0401%2,188
Cash dividends to net income (ytd only)*72.1574%774
Condition Ratios (%)
Loss allowance to loans2.4704%221
Loan loss allowance to noncurrent loans306.8513%1,625
Noncurrent assets plus other real estate owned to assets0.5516%1,349
Noncurrent loans to loans0.8051%1,293
Net loans and leases to total assets66.8200%2,212
Net loans and leases to deposits84.0757%1,679
Net loans and leases to core deposits91.5177%1,948
Total domestic deposits to total assets79.4700%3,649
Equity capital to assets10.2125%2,095
Core capital (leverage) ratio11.5117%1,707
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5768%1,669
Memoranda:
Average total assets$370,266,0002,172
Average earning assets$342,758,0002,169
Average equity$37,337,0002,140
Average total loans$249,440,5002,120
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1469%2,839
Cost of funding earning assets1.9815%2,269
Net interest margin3.1655%2,789
Noninterest income to average assets0.3400%2,807
Noninterest expense to average assets2.0630%3,465
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets1.1905%1,519
Return on assets (ROA)1.1905%1,525
Pretax return on assets1.2102%1,967
Return on Equity (ROE)12.9200%1,375
Retained earnings to average equity (ytd only)4.1115%2,588
Net charge-offs to loans0.0390%1,805
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)46.8866%1,255
Efficiency ratio63.0274%2,826
Assets per employee ($millions)6.9322%2,207
Cash dividends to net income (ytd only)*68.1717%884
Condition Ratios (%)
Loss allowance to loans2.5952%197
Loan loss allowance to noncurrent loans297.6426%1,705
Noncurrent assets plus other real estate owned to assets0.5773%1,258
Noncurrent loans to loans0.8719%1,145
Net loans and leases to total assets64.4900%2,525
Net loans and leases to deposits79.6103%2,166
Net loans and leases to core deposits86.1080%2,389
Total domestic deposits to total assets81.0100%3,411
Equity capital to assets9.9532%2,165
Core capital (leverage) ratio11.2085%1,833
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0374%1,510
Memoranda:
Average total assets$375,805,2002,119
Average earning assets$348,479,0002,115
Average equity$34,634,2002,184
Average total loans$248,745,2002,088
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0797%2,901
Cost of funding earning assets1.9713%2,287
Net interest margin3.1084%2,878
Noninterest income to average assets0.3500%2,719
Noninterest expense to average assets2.0509%3,446
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets1.1576%1,611
Return on assets (ROA)1.1576%1,615
Pretax return on assets1.1798%2,037
Return on Equity (ROE)12.8100%1,413
Retained earnings to average equity (ytd only)4.8061%2,540
Net charge-offs to loans0.0517%1,384
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)34.4742%1,428
Efficiency ratio63.4815%2,777
Assets per employee ($millions)6.8957%2,207
Cash dividends to net income (ytd only)*62.4810%917
Condition Ratios (%)
Loss allowance to loans2.5247%216
Loan loss allowance to noncurrent loans287.0850%1,789
Noncurrent assets plus other real estate owned to assets0.5798%1,237
Noncurrent loans to loans0.8794%1,140
Net loans and leases to total assets64.2700%2,498
Net loans and leases to deposits82.6118%1,920
Net loans and leases to core deposits89.0312%2,217
Total domestic deposits to total assets77.7900%3,752
Equity capital to assets9.8225%2,415
Core capital (leverage) ratio11.1452%1,958
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7285%1,623
Memoranda:
Average total assets$377,904,2502,105
Average earning assets$350,823,5002,106
Average equity$34,150,5002,209
Average total loans$250,117,0002,063
2024-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets16,641.0000%35
Cost of funding earning assets0.0000%4,464
Net interest margin0.0000%4,497
Noninterest income to average assets0.0000%4,488
Noninterest expense to average assets0.0000%4,517
Loan and lease loss provision to assetsNANA
Net operating income to assetsNANA
Return on assets (ROA)1.1095%1,696
Pretax return on assets1.1318%2,121
Return on Equity (ROE)12.6500%1,458
Retained earnings to average equity (ytd only)0.0000%3,835
Net charge-offs to loans1.0000%132
Credit loss provision to net charge-offs2.0000%1,989
Earnings coverage of net charge-offs (x)15.0000%1,794
Efficiency ratio56,164.0000%7
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*5.4819%2,811
Condition Ratios (%)
Loss allowance to loans1,096.0000%26
Loan loss allowance to noncurrent loans0.0000%3,808
Noncurrent assets plus other real estate owned to assetsNANA
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assetsNANA
Net loans and leases to deposits0.0000%4,441
Net loans and leases to core deposits0.0040%4,434
Total domestic deposits to total assets0.0007%4,500
Equity capital to assets146,163.0000%18
Core capital (leverage) ratio0.0058%4,509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,0004,553
Average earning assets$6,0944,522
Average equity$722,0004,486
Average total loansNANA
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8854%3,006
Cost of funding earning assets1.8167%2,459
Net interest margin3.0688%2,862
Noninterest income to average assets0.3400%2,684
Noninterest expense to average assets2.0900%3,345
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets1.0794%1,720
Return on assets (ROA)1.0794%1,724
Pretax return on assets1.1017%2,138
Return on Equity (ROE)12.4400%1,452
Retained earnings to average equity (ytd only)2.6728%3,077
Net charge-offs to loans0.0129%1,625
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)130.0000%575
Efficiency ratio65.4829%2,640
Assets per employee ($millions)7.2973%1,888
Cash dividends to net income (ytd only)*78.5083%753
Condition Ratios (%)
Loss allowance to loans2.5625%178
Loan loss allowance to noncurrent loans267.6421%2,047
Noncurrent assets plus other real estate owned to assets0.6304%1,015
Noncurrent loans to loans0.9574%907
Net loans and leases to total assets64.1500%2,458
Net loans and leases to deposits82.3747%1,853
Net loans and leases to core deposits88.3409%2,147
Total domestic deposits to total assets77.8800%3,814
Equity capital to assets8.5954%2,955
Core capital (leverage) ratio10.8916%2,028
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1929%1,807
Memoranda:
Average total assets$377,601,0002,116
Average earning assets$351,413,0002,103
Average equity$32,774,5002,239
Average total loans$248,596,0002,066
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5923%2,912
Cost of funding earning assets1.4402%2,106
Net interest margin3.1521%2,977
Noninterest income to average assets0.3200%2,981
Noninterest expense to average assets2.0019%3,628
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets1.2355%1,571
Return on assets (ROA)1.2870%1,429
Pretax return on assets1.3066%1,854
Return on Equity (ROE)16.4300%1,030
Retained earnings to average equity (ytd only)4.9360%2,618
Net charge-offs to loans-0.0224%4,201
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio61.4845%2,907
Assets per employee ($millions)6.9582%2,097
Cash dividends to net income (ytd only)*69.9546%843
Condition Ratios (%)
Loss allowance to loans2.5914%174
Loan loss allowance to noncurrent loans1,247.0817%773
Noncurrent assets plus other real estate owned to assets0.1368%2,609
Noncurrent loans to loans0.2078%2,477
Net loans and leases to total assets64.1300%2,447
Net loans and leases to deposits83.0027%1,861
Net loans and leases to core deposits88.7420%2,134
Total domestic deposits to total assets77.2600%3,817
Equity capital to assets8.7648%2,850
Core capital (leverage) ratio10.8649%2,045
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5560%1,664
Memoranda:
Average total assets$376,537,4002,091
Average earning assets$350,783,4002,089
Average equity$29,497,4002,287
Average total loans$246,050,6002,022
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4634%2,984
Cost of funding earning assets1.3196%2,096
Net interest margin3.1437%3,044
Noninterest income to average assets0.3200%2,979
Noninterest expense to average assets2.0176%3,549
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.2093%1,770
Return on assets (ROA)1.2093%1,759
Pretax return on assets1.2330%2,218
Return on Equity (ROE)15.9100%1,270
Retained earnings to average equity (ytd only)3.8502%3,300
Net charge-offs to loans-0.0266%4,209
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio62.0686%2,707
Assets per employee ($millions)7.1785%1,835
Cash dividends to net income (ytd only)*75.7975%533
Condition Ratios (%)
Loss allowance to loans2.5578%183
Loan loss allowance to noncurrent loans1,215.1803%762
Noncurrent assets plus other real estate owned to assets0.1385%2,640
Noncurrent loans to loans0.2105%2,509
Net loans and leases to total assets64.1200%2,432
Net loans and leases to deposits81.8779%1,908
Net loans and leases to core deposits86.1936%2,176
Total domestic deposits to total assets78.3200%3,780
Equity capital to assets7.4607%3,378
Core capital (leverage) ratio10.6330%2,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3669%1,765
Memoranda:
Average total assets$376,736,2502,094
Average earning assets$350,995,7502,092
Average equity$28,638,5002,316
Average total loans$245,724,0002,024
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2956%3,110
Cost of funding earning assets1.1866%2,031
Net interest margin3.1090%3,207
Noninterest income to average assets0.3300%2,899
Noninterest expense to average assets2.0362%3,502
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.1606%1,949
Return on assets (ROA)1.1606%1,942
Pretax return on assets1.1835%2,404
Return on Equity (ROE)15.1700%1,437
Retained earnings to average equity (ytd only)3.0568%3,464
Net charge-offs to loans-0.0369%4,292
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio63.2423%2,568
Assets per employee ($millions)6.8126%2,065
Cash dividends to net income (ytd only)*79.8531%554
Condition Ratios (%)
Loss allowance to loans2.6032%193
Loan loss allowance to noncurrent loans1,196.2617%831
Noncurrent assets plus other real estate owned to assets0.1428%2,552
Noncurrent loans to loans0.2176%2,396
Net loans and leases to total assets63.9100%2,395
Net loans and leases to deposits81.0719%1,902
Net loans and leases to core deposits84.7511%2,162
Total domestic deposits to total assets78.8300%3,744
Equity capital to assets7.8064%3,346
Core capital (leverage) ratio10.5494%2,270
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4998%1,725
Memoranda:
Average total assets$375,494,6672,102
Average earning assets$349,568,0002,099
Average equity$28,723,0002,322
Average total loans$244,174,0002,028
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0794%3,294
Cost of funding earning assets1.0281%1,953
Net interest margin3.0513%3,459
Noninterest income to average assets0.3300%2,854
Noninterest expense to average assets1.9708%3,694
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.1727%2,014
Return on assets (ROA)1.1727%1,979
Pretax return on assets1.1982%2,423
Return on Equity (ROE)15.4900%1,462
Retained earnings to average equity (ytd only)2.2769%3,655
Net charge-offs to loans-0.0016%3,388
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio62.1894%2,661
Assets per employee ($millions)7.0771%1,919
Cash dividends to net income (ytd only)*85.2995%578
Condition Ratios (%)
Loss allowance to loans2.6146%203
Loan loss allowance to noncurrent loans1,107.3171%913
Noncurrent assets plus other real estate owned to assets0.1530%2,440
Noncurrent loans to loans0.2361%2,319
Net loans and leases to total assets63.1200%2,349
Net loans and leases to deposits77.2358%2,016
Net loans and leases to core deposits78.8987%2,325
Total domestic deposits to total assets81.7200%3,530
Equity capital to assets7.9177%3,301
Core capital (leverage) ratio10.6696%2,094
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1293%1,936
Memoranda:
Average total assets$375,895,0002,122
Average earning assets$349,755,5002,126
Average equity$28,459,5002,362
Average total loans$243,334,0002,051
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9531%1,845
Cost of funding earning assets0.3344%2,592
Net interest margin3.6188%1,592
Noninterest income to average assets0.3300%3,139
Noninterest expense to average assets1.9660%3,673
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.7120%529
Return on assets (ROA)1.7120%502
Pretax return on assets1.7434%831
Return on Equity (ROE)20.5700%422
Retained earnings to average equity (ytd only)6.0417%2,630
Net charge-offs to loans-0.2454%4,649
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio53.0012%3,884
Assets per employee ($millions)6.9760%1,992
Cash dividends to net income (ytd only)*70.6304%635
Condition Ratios (%)
Loss allowance to loans2.6091%191
Loan loss allowance to noncurrent loans926.3848%1,053
Noncurrent assets plus other real estate owned to assets0.1821%2,273
Noncurrent loans to loans0.2816%2,141
Net loans and leases to total assets62.9700%2,335
Net loans and leases to deposits76.4269%2,066
Net loans and leases to core deposits77.4441%2,320
Total domestic deposits to total assets82.3900%3,552
Equity capital to assets7.2261%3,536
Core capital (leverage) ratio10.6350%2,077
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0007%1,979
Memoranda:
Average total assets$366,935,2002,154
Average earning assets$343,046,2002,140
Average equity$30,538,0002,313
Average total loans$229,051,2002,060
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9202%1,435
Cost of funding earning assets0.2309%2,918
Net interest margin3.6893%1,166
Noninterest income to average assets0.3400%3,099
Noninterest expense to average assets1.8820%3,791
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.8780%361
Return on assets (ROA)1.8780%353
Pretax return on assets1.9095%569
Return on Equity (ROE)21.8200%300
Retained earnings to average equity (ytd only)8.4885%1,823
Net charge-offs to loans-0.3289%4,696
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio49.6382%4,184
Assets per employee ($millions)7.1389%1,846
Cash dividends to net income (ytd only)*61.1025%839
Condition Ratios (%)
Loss allowance to loans2.6825%185
Loan loss allowance to noncurrent loans1,872.8614%599
Noncurrent assets plus other real estate owned to assets0.0913%3,024
Noncurrent loans to loans0.1432%2,903
Net loans and leases to total assets62.0500%2,284
Net loans and leases to deposits71.7915%2,226
Net loans and leases to core deposits72.4851%2,450
Total domestic deposits to total assets86.4300%2,952
Equity capital to assets7.0526%3,486
Core capital (leverage) ratio10.5388%2,083
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5238%1,867
Memoranda:
Average total assets$364,492,7502,172
Average earning assets$341,337,0002,163
Average equity$31,367,2502,307
Average total loans$225,421,2502,078
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8951%1,120
Cost of funding earning assets0.1811%3,168
Net interest margin3.7139%889
Noninterest income to average assets0.3335%3,159
Noninterest expense to average assets1.8976%3,707
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.8904%275
Return on assets (ROA)1.8904%274
Pretax return on assets1.9224%449
Return on Equity (ROE)20.6913%265
Retained earnings to average equity (ytd only)8.3817%1,482
Net charge-offs to loans-0.4998%4,693
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.6748%4,266
Assets per employee ($millions)7.0140%1,928
Cash dividends to net income (ytd only)*59.4918%1,082
Condition Ratios (%)
Loss allowance to loans2.7891%176
Loan loss allowance to noncurrent loans6,824.7312%198
Noncurrent assets plus other real estate owned to assets0.0255%3,735
Noncurrent loans to loans0.0409%3,640
Net loans and leases to total assets60.6525%2,255
Net loans and leases to deposits68.3550%2,358
Net loans and leases to core deposits68.9913%2,568
Total domestic deposits to total assets88.7317%2,285
Equity capital to assets8.0602%3,075
Core capital (leverage) ratio10.7343%1,776
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7209%1,791
Memoranda:
Average total assets$362,249,0002,187
Average earning assets$340,070,3332,185
Average equity$33,096,0002,271
Average total loans$221,666,6672,099
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1079%629
Cost of funding earning assets0.1759%3,145
Net interest margin3.9320%466
Noninterest income to average assets0.3523%2,988
Noninterest expense to average assets1.8759%3,736
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets2.1351%175
Return on assets (ROA)2.1351%174
Pretax return on assets2.1673%268
Return on Equity (ROE)22.0575%152
Retained earnings to average equity (ytd only)8.4705%1,435
Net charge-offs to loans-0.7864%4,732
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.3963%4,475
Assets per employee ($millions)6.4837%2,393
Cash dividends to net income (ytd only)*61.5983%1,015
Condition Ratios (%)
Loss allowance to loans2.8880%174
Loan loss allowance to noncurrent loans2,753.5398%416
Noncurrent assets plus other real estate owned to assets0.0634%3,427
Noncurrent loans to loans0.1049%3,314
Net loans and leases to total assets58.6801%2,216
Net loans and leases to deposits66.0266%2,337
Net loans and leases to core deposits66.6711%2,561
Total domestic deposits to total assets88.8736%2,132
Equity capital to assets8.9557%2,751
Core capital (leverage) ratio10.4953%1,861
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0298%1,785
Memoranda:
Average total assets$361,008,5002,203
Average earning assets$338,857,5002,196
Average equity$34,945,0002,257
Average total loans$218,717,5002,105
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0850%1,191
Cost of funding earning assets0.3080%2,321
Net interest margin3.7770%1,059
Noninterest income to average assets0.3366%3,402
Noninterest expense to average assets1.9501%3,811
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.8854%422
Return on assets (ROA)1.8914%443
Pretax return on assets1.9170%701
Return on Equity (ROE)17.1627%566
Retained earnings to average equity (ytd only)6.1325%2,305
Net charge-offs to loans-0.4962%4,781
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5067%4,244
Assets per employee ($millions)6.6439%2,205
Cash dividends to net income (ytd only)*64.2683%937
Condition Ratios (%)
Loss allowance to loans2.6100%240
Loan loss allowance to noncurrent loans1,211.9247%763
Noncurrent assets plus other real estate owned to assets0.1308%3,022
Noncurrent loans to loans0.2154%2,883
Net loans and leases to total assets59.1559%2,249
Net loans and leases to deposits69.3036%2,193
Net loans and leases to core deposits70.1607%2,429
Total domestic deposits to total assets85.3575%3,152
Equity capital to assets10.3865%2,285
Core capital (leverage) ratio10.3716%2,012
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5785%2,027
Memoranda:
Average total assets$347,568,4002,211
Average earning assets$324,335,0002,210
Average equity$38,304,0002,146
Average total loans$217,242,8002,121
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1447%1,202
Cost of funding earning assets0.3020%2,574
Net interest margin3.8427%1,036
Noninterest income to average assets0.3513%3,350
Noninterest expense to average assets1.9333%3,855
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.9722%482
Return on assets (ROA)1.9803%507
Pretax return on assets2.0059%791
Return on Equity (ROE)17.6979%664
Retained earnings to average equity (ytd only)7.8870%2,093
Net charge-offs to loans-0.3277%4,814
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.1795%4,282
Assets per employee ($millions)6.7243%2,077
Cash dividends to net income (ytd only)*55.4356%994
Condition Ratios (%)
Loss allowance to loans2.3748%347
Loan loss allowance to noncurrent loans483.5023%1,395
Noncurrent assets plus other real estate owned to assets0.3044%2,250
Noncurrent loans to loans0.4912%2,079
Net loans and leases to total assets60.5130%2,192
Net loans and leases to deposits70.2842%2,208
Net loans and leases to core deposits71.4222%2,475
Total domestic deposits to total assets86.0977%2,710
Equity capital to assets10.9651%2,047
Core capital (leverage) ratio10.6499%1,938
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0698%1,947
Memoranda:
Average total assets$343,106,5002,255
Average earning assets$319,630,5002,256
Average equity$38,391,5002,167
Average total loans$216,064,0002,163
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4332%815
Cost of funding earning assets0.3293%2,494
Net interest margin4.1039%687
Noninterest income to average assets0.3738%3,245
Noninterest expense to average assets1.9304%3,891
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets2.2447%311
Return on assets (ROA)2.2570%322
Pretax return on assets2.2830%496
Return on Equity (ROE)20.0300%456
Retained earnings to average equity (ytd only)11.5139%1,011
Net charge-offs to loans-0.0746%4,526
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.9516%4,515
Assets per employee ($millions)6.4167%2,223
Cash dividends to net income (ytd only)*42.5170%1,496
Condition Ratios (%)
Loss allowance to loans2.1502%468
Loan loss allowance to noncurrent loans331.8339%1,752
Noncurrent assets plus other real estate owned to assets0.4094%1,971
Noncurrent loans to loans0.6480%1,795
Net loans and leases to total assets61.8306%2,197
Net loans and leases to deposits72.9708%2,115
Net loans and leases to core deposits74.5036%2,365
Total domestic deposits to total assets84.7333%3,205
Equity capital to assets11.0218%1,955
Core capital (leverage) ratio10.6879%1,805
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1959%1,905
Memoranda:
Average total assets$338,680,0002,265
Average earning assets$315,846,3332,260
Average equity$38,162,6672,168
Average total loans$214,450,0002,183
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5934%674
Cost of funding earning assets0.3607%2,438
Net interest margin4.2326%573
Noninterest income to average assets0.3366%3,418
Noninterest expense to average assets1.9435%3,873
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.3021%358
Return on assets (ROA)2.3272%371
Pretax return on assets2.3537%553
Return on Equity (ROE)20.4154%507
Retained earnings to average equity (ytd only)11.6841%1,230
Net charge-offs to loans-0.0228%4,063
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.4956%4,499
Assets per employee ($millions)6.2545%2,365
Cash dividends to net income (ytd only)*42.7683%1,314
Condition Ratios (%)
Loss allowance to loans2.2582%388
Loan loss allowance to noncurrent loans299.5564%1,763
Noncurrent assets plus other real estate owned to assets1.0555%771
Noncurrent loans to loans0.7538%1,733
Net loans and leases to total assets60.5796%2,467
Net loans and leases to deposits71.5074%2,362
Net loans and leases to core deposits73.3380%2,577
Total domestic deposits to total assets84.7179%3,214
Equity capital to assets11.1393%1,763
Core capital (leverage) ratio10.9093%1,774
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9887%1,902
Memoranda:
Average total assets$331,560,5002,274
Average earning assets$308,270,5002,284
Average equity$37,795,0002,170
Average total loans$210,171,5002,212
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4714%1,383
Cost of funding earning assets0.5543%2,584
Net interest margin3.9171%1,170
Noninterest income to average assets0.3459%3,394
Noninterest expense to average assets2.1869%3,699
Loan and lease loss provision to assets0.0607%3,614
Net operating income to assets1.7080%487
Return on assets (ROA)1.7126%524
Pretax return on assets1.7409%781
Return on Equity (ROE)13.7314%876
Retained earnings to average equity (ytd only)4.5411%2,509
Net charge-offs to loans-0.0362%4,596
Credit loss provision to net charge-offs-243.2432%3,825
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8955%4,102
Assets per employee ($millions)5.7084%2,617
Cash dividends to net income (ytd only)*66.9291%1,077
Condition Ratios (%)
Loss allowance to loans2.2344%381
Loan loss allowance to noncurrent loans299.7457%1,717
Noncurrent assets plus other real estate owned to assets1.0941%840
Noncurrent loans to loans0.7454%1,836
Net loans and leases to total assets63.4025%2,441
Net loans and leases to deposits75.9880%2,283
Net loans and leases to core deposits77.9888%2,551
Total domestic deposits to total assets83.4375%3,282
Equity capital to assets11.6688%1,756
Core capital (leverage) ratio11.1284%1,711
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4689%2,061
Memoranda:
Average total assets$296,627,6002,307
Average earning assets$275,486,4002,317
Average equity$36,995,6002,132
Average total loans$204,416,2002,199
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5907%1,334
Cost of funding earning assets0.5979%2,628
Net interest margin3.9928%1,131
Noninterest income to average assets0.3658%3,268
Noninterest expense to average assets2.2226%3,629
Loan and lease loss provision to assets0.0622%3,566
Net operating income to assets1.7653%496
Return on assets (ROA)1.7717%541
Pretax return on assets1.8007%778
Return on Equity (ROE)13.9524%890
Retained earnings to average equity (ytd only)5.2458%2,456
Net charge-offs to loans-0.0092%4,207
Credit loss provision to net charge-offs-964.2857%3,916
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.4890%4,100
Assets per employee ($millions)5.4763%2,733
Cash dividends to net income (ytd only)*62.4025%1,044
Condition Ratios (%)
Loss allowance to loans2.1845%360
Loan loss allowance to noncurrent loans102.2173%3,240
Noncurrent assets plus other real estate owned to assets1.4706%588
Noncurrent loans to loans2.1371%558
Net loans and leases to total assets67.3100%2,349
Net loans and leases to deposits81.7277%2,125
Net loans and leases to core deposits84.6110%2,420
Total domestic deposits to total assets82.3588%3,323
Equity capital to assets12.2827%1,529
Core capital (leverage) ratio11.3147%1,700
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2699%1,736
Memoranda:
Average total assets$289,439,5002,330
Average earning assets$269,175,5002,335
Average equity$36,752,5002,125
Average total loans$202,766,7502,208
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8668%1,025
Cost of funding earning assets0.6423%2,745
Net interest margin4.2245%868
Noninterest income to average assets0.3793%3,204
Noninterest expense to average assets2.2574%3,634
Loan and lease loss provision to assets0.0634%3,501
Net operating income to assets1.9564%362
Return on assets (ROA)1.9662%396
Pretax return on assets1.9958%550
Return on Equity (ROE)15.3043%668
Retained earnings to average equity (ytd only)6.7989%1,737
Net charge-offs to loans-0.0130%4,281
Credit loss provision to net charge-offs-692.3077%3,670
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.4145%4,329
Assets per employee ($millions)5.5110%2,629
Cash dividends to net income (ytd only)*55.5755%1,366
Condition Ratios (%)
Loss allowance to loans2.1701%352
Loan loss allowance to noncurrent loans107.3630%3,119
Noncurrent assets plus other real estate owned to assets1.3774%719
Noncurrent loans to loans2.0212%664
Net loans and leases to total assets66.6694%2,540
Net loans and leases to deposits81.0690%2,307
Net loans and leases to core deposits84.6066%2,565
Total domestic deposits to total assets82.2379%3,305
Equity capital to assets12.1228%1,590
Core capital (leverage) ratio11.8467%1,469
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2392%2,088
Memoranda:
Average total assets$283,694,3332,344
Average earning assets$263,746,0002,342
Average equity$36,447,3332,135
Average total loans$200,011,3332,219
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7238%1,637
Cost of funding earning assets0.7151%2,869
Net interest margin4.0087%1,370
Noninterest income to average assets0.3480%3,432
Noninterest expense to average assets2.4407%3,449
Loan and lease loss provision to assets0.0664%2,935
Net operating income to assets1.5224%741
Return on assets (ROA)1.5426%778
Pretax return on assets1.5736%1,127
Return on Equity (ROE)11.6337%1,216
Retained earnings to average equity (ytd only)2.1799%3,376
Net charge-offs to loans-0.0185%4,308
Credit loss provision to net charge-offs-500.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1162%3,725
Assets per employee ($millions)4.9827%2,664
Cash dividends to net income (ytd only)*81.2620%1,006
Condition Ratios (%)
Loss allowance to loans2.3396%311
Loan loss allowance to noncurrent loans179.5943%2,230
Noncurrent assets plus other real estate owned to assets0.9344%1,424
Noncurrent loans to loans1.3027%1,255
Net loans and leases to total assets70.0447%2,251
Net loans and leases to deposits84.8227%2,127
Net loans and leases to core deposits89.0788%2,437
Total domestic deposits to total assets82.5778%3,243
Equity capital to assets13.4039%1,261
Core capital (leverage) ratio12.4581%1,466
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7344%1,411
Memoranda:
Average total assets$271,233,0002,363
Average earning assets$251,153,5002,362
Average equity$35,964,5002,142
Average total loans$194,858,5002,226
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8507%1,896
Cost of funding earning assets0.7736%2,810
Net interest margin4.0771%1,601
Noninterest income to average assets0.3228%3,759
Noninterest expense to average assets2.2959%3,952
Loan and lease loss provision to assets0.1103%1,889
Net operating income to assets1.6702%709
Return on assets (ROA)1.6702%756
Pretax return on assets1.7007%1,185
Return on Equity (ROE)13.0203%1,161
Retained earnings to average equity (ytd only)4.2073%2,851
Net charge-offs to loans0.0124%3,241
Credit loss provision to net charge-offs1,250.0000%274
Earnings coverage of net charge-offs (x)205.2500%393
Efficiency ratio55.9037%4,213
Assets per employee ($millions)4.8822%2,727
Cash dividends to net income (ytd only)*67.6866%1,227
Condition Ratios (%)
Loss allowance to loans2.2680%299
Loan loss allowance to noncurrent loans217.7648%1,964
Noncurrent assets plus other real estate owned to assets0.7494%1,731
Noncurrent loans to loans1.0415%1,452
Net loans and leases to total assets70.3268%2,341
Net loans and leases to deposits84.7198%2,245
Net loans and leases to core deposits88.9948%2,514
Total domestic deposits to total assets83.0111%3,188
Equity capital to assets13.1177%1,450
Core capital (leverage) ratio12.3696%1,558
Tier 1 risk-based capital ratio13.8244%3,354
Total risk-based capital ratio15.0819%3,258
Memoranda:
Average total assets$272,004,0002,320
Average earning assets$252,460,6002,321
Average equity$34,891,8002,147
Average total loans$193,094,2002,215
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8943%1,836
Cost of funding earning assets0.7803%2,813
Net interest margin4.1140%1,582
Noninterest income to average assets0.3337%3,743
Noninterest expense to average assets2.3215%3,894
Loan and lease loss provision to assets0.1252%1,554
Net operating income to assets1.6815%774
Return on assets (ROA)1.6815%816
Pretax return on assets1.7119%1,308
Return on Equity (ROE)13.1834%1,210
Retained earnings to average equity (ytd only)5.1987%2,797
Net charge-offs to loans0.0250%2,600
Credit loss provision to net charge-offs708.3333%470
Earnings coverage of net charge-offs (x)103.9696%730
Efficiency ratio55.8244%4,184
Assets per employee ($millions)4.7302%2,873
Cash dividends to net income (ytd only)*60.5663%1,258
Condition Ratios (%)
Loss allowance to loans2.3805%258
Loan loss allowance to noncurrent loans248.1127%1,757
Noncurrent assets plus other real estate owned to assets0.6583%2,042
Noncurrent loans to loans0.9594%1,675
Net loans and leases to total assets66.9827%2,927
Net loans and leases to deposits80.6544%2,835
Net loans and leases to core deposits84.8463%3,011
Total domestic deposits to total assets83.0490%3,153
Equity capital to assets13.2572%1,477
Core capital (leverage) ratio12.4483%1,600
Tier 1 risk-based capital ratio14.4135%3,131
Total risk-based capital ratio15.6719%3,031
Memoranda:
Average total assets$271,654,5002,340
Average earning assets$252,559,2502,339
Average equity$34,648,7502,169
Average total loans$192,183,5002,240
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8606%1,878
Cost of funding earning assets0.7816%2,738
Net interest margin4.0791%1,674
Noninterest income to average assets0.3327%3,710
Noninterest expense to average assets2.3361%3,908
Loan and lease loss provision to assets0.1542%1,181
Net operating income to assets1.6069%893
Return on assets (ROA)1.6069%933
Pretax return on assets1.6370%1,435
Return on Equity (ROE)12.7641%1,314
Retained earnings to average equity (ytd only)5.3262%2,611
Net charge-offs to loans0.0411%2,073
Credit loss provision to net charge-offs525.0000%577
Earnings coverage of net charge-offs (x)60.9750%970
Efficiency ratio56.6014%4,179
Assets per employee ($millions)4.7165%2,853
Cash dividends to net income (ytd only)*58.2724%1,454
Condition Ratios (%)
Loss allowance to loans2.2722%307
Loan loss allowance to noncurrent loans375.7550%1,288
Noncurrent assets plus other real estate owned to assets0.4311%2,791
Noncurrent loans to loans0.6047%2,451
Net loans and leases to total assets69.6726%2,572
Net loans and leases to deposits84.8759%2,382
Net loans and leases to core deposits88.5254%2,745
Total domestic deposits to total assets82.0877%3,483
Equity capital to assets13.0872%1,551
Core capital (leverage) ratio12.1177%1,746
Tier 1 risk-based capital ratio14.0811%3,275
Total risk-based capital ratio15.3387%3,195
Memoranda:
Average total assets$272,333,0002,344
Average earning assets$253,342,6702,340
Average equity$34,283,6702,179
Average total loans$194,577,3302,233
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7056%2,205
Cost of funding earning assets0.7772%2,651
Net interest margin3.9284%2,099
Noninterest income to average assets0.3109%3,791
Noninterest expense to average assets2.2913%4,045
Loan and lease loss provision to assets0.2408%619
Net operating income to assets1.3923%1,399
Return on assets (ROA)1.3923%1,434
Pretax return on assets1.4230%2,006
Return on Equity (ROE)11.2788%1,831
Retained earnings to average equity (ytd only)3.2985%3,599
Net charge-offs to loans0.1020%1,127
Credit loss provision to net charge-offs330.0000%777
Earnings coverage of net charge-offs (x)22.8000%1,484
Efficiency ratio57.9336%4,087
Assets per employee ($millions)4.8296%2,746
Cash dividends to net income (ytd only)*70.7547%1,106
Condition Ratios (%)
Loss allowance to loans2.2393%338
Loan loss allowance to noncurrent loans526.3158%1,005
Noncurrent assets plus other real estate owned to assets0.3021%3,401
Noncurrent loans to loans0.4255%3,062
Net loans and leases to total assets69.4104%2,567
Net loans and leases to deposits83.7711%2,413
Net loans and leases to core deposits87.3120%2,752
Total domestic deposits to total assets82.8572%3,434
Equity capital to assets12.6437%1,658
Core capital (leverage) ratio12.0297%1,754
Tier 1 risk-based capital ratio13.7081%3,491
Total risk-based capital ratio14.9654%3,404
Memoranda:
Average total assets$274,078,0002,348
Average earning assets$254,248,0002,354
Average equity$33,833,5002,197
Average total loans$196,033,5002,235
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7734%1,603
Cost of funding earning assets0.6484%2,402
Net interest margin4.1250%1,604
Noninterest income to average assets0.3400%3,840
Noninterest expense to average assets2.1914%4,361
Loan and lease loss provision to assets0.2153%847
Net operating income to assets1.7415%628
Return on assets (ROA)1.7411%629
Pretax return on assets1.7723%989
Return on Equity (ROE)14.3794%964
Retained earnings to average equity (ytd only)4.8769%2,844
Net charge-offs to loans0.4173%441
Credit loss provision to net charge-offs72.0497%2,964
Earnings coverage of net charge-offs (x)6.6534%3,065
Efficiency ratio52.4334%4,761
Assets per employee ($millions)4.9589%2,554
Cash dividends to net income (ytd only)*66.0840%1,236
Condition Ratios (%)
Loss allowance to loans2.0921%404
Loan loss allowance to noncurrent loans276.0554%1,746
Noncurrent assets plus other real estate owned to assets0.5459%2,414
Noncurrent loans to loans0.7578%2,107
Net loans and leases to total assets70.5284%2,495
Net loans and leases to deposits85.6710%2,320
Net loans and leases to core deposits88.7990%2,670
Total domestic deposits to total assets82.3247%3,546
Equity capital to assets12.0530%1,857
Core capital (leverage) ratio11.8098%1,865
Tier 1 risk-based capital ratio13.3428%3,636
Total risk-based capital ratio14.5994%3,525
Memoranda:
Average total assets$269,421,0002,340
Average earning assets$250,762,6002,332
Average equity$32,623,0002,179
Average total loans$192,920,6002,225
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7136%1,635
Cost of funding earning assets0.5936%2,516
Net interest margin4.1200%1,571
Noninterest income to average assets0.3406%3,869
Noninterest expense to average assets2.1973%4,332
Loan and lease loss provision to assets0.1770%1,034
Net operating income to assets1.7734%633
Return on assets (ROA)1.7729%637
Pretax return on assets1.8043%1,003
Return on Equity (ROE)14.6243%955
Retained earnings to average equity (ytd only)5.1627%3,148
Net charge-offs to loans0.4653%339
Credit loss provision to net charge-offs53.2234%2,804
Earnings coverage of net charge-offs (x)5.9580%2,928
Efficiency ratio52.5776%4,750
Assets per employee ($millions)4.8163%2,703
Cash dividends to net income (ytd only)*64.6976%1,021
Condition Ratios (%)
Loss allowance to loans2.1137%407
Loan loss allowance to noncurrent loans167.6759%2,549
Noncurrent assets plus other real estate owned to assets0.9062%1,630
Noncurrent loans to loans1.2606%1,337
Net loans and leases to total assets70.3631%2,586
Net loans and leases to deposits89.0993%2,007
Net loans and leases to core deposits92.5845%2,428
Total domestic deposits to total assets78.9716%4,322
Equity capital to assets12.1315%1,819
Core capital (leverage) ratio11.7137%2,000
Tier 1 risk-based capital ratio13.1611%3,808
Total risk-based capital ratio14.4168%3,721
Memoranda:
Average total assets$267,351,7502,365
Average earning assets$249,089,7502,357
Average equity$32,411,0002,192
Average total loans$191,140,5002,251
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6052%1,768
Cost of funding earning assets0.5177%2,873
Net interest margin4.0875%1,598
Noninterest income to average assets0.3444%3,875
Noninterest expense to average assets2.1383%4,515
Loan and lease loss provision to assets0.1351%1,459
Net operating income to assets1.8487%525
Return on assets (ROA)1.8487%528
Pretax return on assets1.8802%813
Return on Equity (ROE)15.2532%801
Retained earnings to average equity (ytd only)5.3485%2,909
Net charge-offs to loans0.1808%868
Credit loss provision to net charge-offs104.6512%1,952
Earnings coverage of net charge-offs (x)15.6163%2,032
Efficiency ratio51.4812%4,938
Assets per employee ($millions)4.6488%2,887
Cash dividends to net income (ytd only)*64.9351%1,153
Condition Ratios (%)
Loss allowance to loans2.2593%335
Loan loss allowance to noncurrent loans107.1273%3,345
Noncurrent assets plus other real estate owned to assets1.5299%866
Noncurrent loans to loans2.1090%676
Net loans and leases to total assets70.9022%2,450
Net loans and leases to deposits88.5573%2,041
Net loans and leases to core deposits94.0118%2,219
Total domestic deposits to total assets80.0637%4,221
Equity capital to assets12.0673%1,813
Core capital (leverage) ratio11.7324%1,883
Tier 1 risk-based capital ratio13.3157%3,723
Total risk-based capital ratio14.5738%3,640
Memoranda:
Average total assets$266,565,3302,371
Average earning assets$248,414,0002,375
Average equity$32,308,0002,209
Average total loans$190,229,0002,263
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5828%1,618
Cost of funding earning assets0.4890%2,876
Net interest margin4.0938%1,452
Noninterest income to average assets0.3486%3,810
Noninterest expense to average assets2.1597%4,508
Loan and lease loss provision to assets0.0453%2,860
Net operating income to assets1.9152%436
Return on assets (ROA)1.9152%435
Pretax return on assets1.9469%647
Return on Equity (ROE)15.7672%661
Retained earnings to average equity (ytd only)3.3423%3,875
Net charge-offs to loans-0.1002%5,207
Credit loss provision to net charge-offs-63.8298%3,639
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0174%4,962
Assets per employee ($millions)4.9372%2,557
Cash dividends to net income (ytd only)*78.8022%854
Condition Ratios (%)
Loss allowance to loans2.4088%281
Loan loss allowance to noncurrent loans679.8485%841
Noncurrent assets plus other real estate owned to assets0.2522%3,860
Noncurrent loans to loans0.3543%3,501
Net loans and leases to total assets69.4708%2,567
Net loans and leases to deposits85.1816%2,275
Net loans and leases to core deposits90.6827%2,397
Total domestic deposits to total assets81.5561%4,076
Equity capital to assets12.2423%1,641
Core capital (leverage) ratio11.6927%1,858
Tier 1 risk-based capital ratio13.2523%3,810
Total risk-based capital ratio14.5110%3,710
Memoranda:
Average total assets$265,033,5002,401
Average earning assets$246,223,0002,409
Average equity$32,193,5002,227
Average total loans$187,547,5002,302
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4786%1,787
Cost of funding earning assets0.3915%3,322
Net interest margin4.0870%1,491
Noninterest income to average assets0.3410%4,030
Noninterest expense to average assets2.1470%4,656
Loan and lease loss provision to assets0.0461%3,314
Net operating income to assets1.9177%325
Return on assets (ROA)1.9294%329
Pretax return on assets1.9601%538
Return on Equity (ROE)15.6968%514
Retained earnings to average equity (ytd only)2.8742%3,589
Net charge-offs to loans0.0736%2,392
Credit loss provision to net charge-offs90.9091%2,765
Earnings coverage of net charge-offs (x)39.3030%1,277
Efficiency ratio51.8426%5,112
Assets per employee ($millions)5.2626%2,187
Cash dividends to net income (ytd only)*81.6896%785
Condition Ratios (%)
Loss allowance to loans2.3355%300
Loan loss allowance to noncurrent loans668.1818%876
Noncurrent assets plus other real estate owned to assets0.2459%3,912
Noncurrent loans to loans0.3495%3,507
Net loans and leases to total assets68.7093%2,722
Net loans and leases to deposits85.3008%2,342
Net loans and leases to core deposits89.4222%2,617
Total domestic deposits to total assets80.5494%4,233
Equity capital to assets12.0540%1,797
Core capital (leverage) ratio11.8792%1,677
Tier 1 risk-based capital ratio13.0608%3,876
Total risk-based capital ratio14.3190%3,774
Memoranda:
Average total assets$260,135,6002,414
Average earning assets$241,886,0002,413
Average equity$31,974,6002,219
Average total loans$179,354,4002,338
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4729%1,715
Cost of funding earning assets0.3799%3,375
Net interest margin4.0930%1,411
Noninterest income to average assets0.3503%4,028
Noninterest expense to average assets2.0950%4,746
Loan and lease loss provision to assets0.0465%3,173
Net operating income to assets1.9913%321
Return on assets (ROA)2.0071%317
Pretax return on assets2.0376%510
Return on Equity (ROE)16.2479%500
Retained earnings to average equity (ytd only)3.2830%3,971
Net charge-offs to loans0.0670%2,164
Credit loss provision to net charge-offs101.1236%2,253
Earnings coverage of net charge-offs (x)44.9789%1,203
Efficiency ratio50.3227%5,227
Assets per employee ($millions)4.7551%2,755
Cash dividends to net income (ytd only)*79.7941%650
Condition Ratios (%)
Loss allowance to loans2.4817%273
Loan loss allowance to noncurrent loans683.6167%811
Noncurrent assets plus other real estate owned to assets0.2694%3,992
Noncurrent loans to loans0.3630%3,652
Net loans and leases to total assets68.9627%2,701
Net loans and leases to deposits82.9439%2,666
Net loans and leases to core deposits86.8422%2,887
Total domestic deposits to total assets83.1437%3,413
Equity capital to assets12.9387%1,421
Core capital (leverage) ratio11.9841%1,697
Tier 1 risk-based capital ratio13.8949%3,495
Total risk-based capital ratio15.1548%3,420
Memoranda:
Average total assets$258,071,2502,447
Average earning assets$240,403,5002,437
Average equity$31,880,2502,245
Average total loans$176,987,7502,375
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3215%2,061
Cost of funding earning assets0.3552%3,528
Net interest margin3.9663%1,723
Noninterest income to average assets0.3568%4,009
Noninterest expense to average assets2.0239%4,921
Loan and lease loss provision to assets0.0461%3,066
Net operating income to assets1.9503%337
Return on assets (ROA)1.9739%328
Pretax return on assets2.0032%523
Return on Equity (ROE)16.2275%497
Retained earnings to average equity (ytd only)2.9522%3,956
Net charge-offs to loans0.0963%1,662
Credit loss provision to net charge-offs70.5882%2,373
Earnings coverage of net charge-offs (x)30.9882%1,439
Efficiency ratio49.9810%5,309
Assets per employee ($millions)4.7945%2,661
Cash dividends to net income (ytd only)*81.8076%812
Condition Ratios (%)
Loss allowance to loans2.4305%305
Loan loss allowance to noncurrent loans303.8701%1,561
Noncurrent assets plus other real estate owned to assets0.5694%2,862
Noncurrent loans to loans0.7998%2,406
Net loans and leases to total assets69.4637%2,601
Net loans and leases to deposits86.7863%2,136
Net loans and leases to core deposits90.2256%2,496
Total domestic deposits to total assets80.0399%4,400
Equity capital to assets12.7261%1,508
Core capital (leverage) ratio11.6031%1,891
Tier 1 risk-based capital ratio13.5994%3,638
Total risk-based capital ratio14.8591%3,554
Memoranda:
Average total assets$260,088,6702,438
Average earning assets$242,138,6702,428
Average equity$31,637,6702,257
Average total loans$176,576,3302,372
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1654%2,406
Cost of funding earning assets0.3256%3,796
Net interest margin3.8398%1,985
Noninterest income to average assets0.3634%3,932
Noninterest expense to average assets2.0131%5,027
Loan and lease loss provision to assets0.0456%2,886
Net operating income to assets1.8474%414
Return on assets (ROA)1.8489%424
Pretax return on assets1.8747%682
Return on Equity (ROE)15.5461%585
Retained earnings to average equity (ytd only)1.4830%4,511
Net charge-offs to loans0.0436%1,962
Credit loss provision to net charge-offs157.8947%1,173
Earnings coverage of net charge-offs (x)66.4211%745
Efficiency ratio51.1988%5,312
Assets per employee ($millions)5.0879%2,326
Cash dividends to net income (ytd only)*90.4605%820
Condition Ratios (%)
Loss allowance to loans2.5561%297
Loan loss allowance to noncurrent loans301.7699%1,596
Noncurrent assets plus other real estate owned to assets0.5661%2,964
Noncurrent loans to loans0.8470%2,339
Net loans and leases to total assets65.1273%3,101
Net loans and leases to deposits84.1533%2,266
Net loans and leases to core deposits84.7934%2,827
Total domestic deposits to total assets77.3913%5,056
Equity capital to assets12.1453%1,742
Core capital (leverage) ratio11.3265%2,079
Tier 1 risk-based capital ratio13.3782%3,845
Total risk-based capital ratio14.6378%3,761
Memoranda:
Average total assets$263,079,5002,441
Average earning assets$244,493,0002,441
Average equity$31,287,5002,274
Average total loans$174,410,0002,414
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2751%2,230
Cost of funding earning assets0.2910%4,164
Net interest margin3.9841%1,679
Noninterest income to average assets0.3573%4,185
Noninterest expense to average assets2.0693%5,055
Loan and lease loss provision to assets0.1319%1,888
Net operating income to assets1.8272%422
Return on assets (ROA)1.8481%421
Pretax return on assets1.8792%650
Return on Equity (ROE)15.0687%619
Retained earnings to average equity (ytd only)4.3144%2,828
Net charge-offs to loans-0.1828%5,723
Credit loss provision to net charge-offs-106.2500%4,904
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.9796%5,436
Assets per employee ($millions)5.3335%2,022
Cash dividends to net income (ytd only)*71.3686%1,257
Condition Ratios (%)
Loss allowance to loans2.5212%306
Loan loss allowance to noncurrent loans283.4615%1,704
Noncurrent assets plus other real estate owned to assets0.5850%2,980
Noncurrent loans to loans0.8894%2,320
Net loans and leases to total assets64.1117%3,345
Net loans and leases to deposits82.4099%2,616
Net loans and leases to core deposits82.8347%3,142
Total domestic deposits to total assets77.7962%5,003
Equity capital to assets11.6471%2,046
Core capital (leverage) ratio11.6250%1,842
Tier 1 risk-based capital ratio13.2868%3,904
Total risk-based capital ratio14.5465%3,813
Memoranda:
Average total assets$257,771,4002,453
Average earning assets$239,504,0002,441
Average equity$31,615,2002,246
Average total loans$175,091,4002,358
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3153%2,116
Cost of funding earning assets0.2978%4,121
Net interest margin4.0175%1,600
Noninterest income to average assets0.3725%4,113
Noninterest expense to average assets2.0541%5,098
Loan and lease loss provision to assets0.1409%1,666
Net operating income to assets1.8846%413
Return on assets (ROA)1.9132%416
Pretax return on assets1.9445%643
Return on Equity (ROE)15.3971%622
Retained earnings to average equity (ytd only)5.3199%2,610
Net charge-offs to loans-0.0868%5,524
Credit loss provision to net charge-offs-236.8421%4,908
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.9746%5,500
Assets per employee ($millions)5.0795%2,279
Cash dividends to net income (ytd only)*65.4486%1,198
Condition Ratios (%)
Loss allowance to loans2.4776%338
Loan loss allowance to noncurrent loans238.5501%1,965
Noncurrent assets plus other real estate owned to assets0.6983%2,817
Noncurrent loans to loans1.0386%2,164
Net loans and leases to total assets65.5669%3,195
Net loans and leases to deposits81.6574%2,772
Net loans and leases to core deposits82.0941%3,275
Total domestic deposits to total assets80.2951%4,442
Equity capital to assets12.9278%1,527
Core capital (leverage) ratio11.8593%1,777
Tier 1 risk-based capital ratio13.8260%3,648
Total risk-based capital ratio15.0849%3,573
Memoranda:
Average total assets$255,545,5002,470
Average earning assets$237,751,2502,457
Average equity$31,754,0002,257
Average total loans$175,016,2502,365
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2964%2,169
Cost of funding earning assets0.2987%4,148
Net interest margin3.9978%1,650
Noninterest income to average assets0.3895%3,957
Noninterest expense to average assets2.0523%5,163
Loan and lease loss provision to assets0.1397%1,625
Net operating income to assets1.8855%409
Return on assets (ROA)1.9274%398
Pretax return on assets1.9584%626
Return on Equity (ROE)15.7151%574
Retained earnings to average equity (ytd only)8.1232%1,136
Net charge-offs to loans-0.1138%5,666
Credit loss provision to net charge-offs-178.2178%4,702
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.9622%5,562
Assets per employee ($millions)5.0681%2,236
Cash dividends to net income (ytd only)*48.3092%2,051
Condition Ratios (%)
Loss allowance to loans2.3006%468
Loan loss allowance to noncurrent loans143.4197%2,967
Noncurrent assets plus other real estate owned to assets1.1124%1,900
Noncurrent loans to loans1.6041%1,336
Net loans and leases to total assets67.7544%2,815
Net loans and leases to deposits84.9705%2,354
Net loans and leases to core deposits85.2934%2,960
Total domestic deposits to total assets79.7388%4,616
Equity capital to assets12.7815%1,618
Core capital (leverage) ratio11.5186%1,980
Tier 1 risk-based capital ratio13.4869%3,914
Total risk-based capital ratio14.7448%3,820
Memoranda:
Average total assets$257,761,6702,471
Average earning assets$239,733,3302,457
Average equity$31,613,0002,266
Average total loans$177,575,0002,337
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3164%2,069
Cost of funding earning assets0.2983%4,180
Net interest margin4.0181%1,560
Noninterest income to average assets0.4309%3,609
Noninterest expense to average assets2.0420%5,242
Loan and lease loss provision to assets0.1385%1,512
Net operating income to assets1.9720%356
Return on assets (ROA)2.0528%316
Pretax return on assets2.0636%501
Return on Equity (ROE)17.0889%428
Retained earnings to average equity (ytd only)9.4027%1,001
Net charge-offs to loans-0.1591%5,789
Credit loss provision to net charge-offs-126.7606%4,269
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.0573%5,677
Assets per employee ($millions)5.2883%2,044
Cash dividends to net income (ytd only)*44.9775%1,920
Condition Ratios (%)
Loss allowance to loans2.1612%625
Loan loss allowance to noncurrent loans127.3288%3,106
Noncurrent assets plus other real estate owned to assets1.1890%1,843
Noncurrent loans to loans1.6973%1,332
Net loans and leases to total assets68.5376%2,572
Net loans and leases to deposits88.7224%1,733
Net loans and leases to core deposits89.0623%2,453
Total domestic deposits to total assets77.2495%5,258
Equity capital to assets12.2372%1,866
Core capital (leverage) ratio11.0941%2,320
Tier 1 risk-based capital ratio12.5338%4,554
Total risk-based capital ratio13.7898%4,464
Memoranda:
Average total assets$259,940,0002,462
Average earning assets$241,405,0002,455
Average equity$31,225,0002,288
Average total loans$178,494,5002,326
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2947%2,241
Cost of funding earning assets0.2738%4,548
Net interest margin4.0209%1,651
Noninterest income to average assets0.4357%3,780
Noninterest expense to average assets2.1356%5,182
Loan and lease loss provision to assets0.1821%1,244
Net operating income to assets1.8142%476
Return on assets (ROA)1.8318%470
Pretax return on assets1.8659%701
Return on Equity (ROE)15.6666%593
Retained earnings to average equity (ytd only)0.2094%5,427
Net charge-offs to loans0.1216%2,159
Credit loss provision to net charge-offs221.3953%1,283
Earnings coverage of net charge-offs (x)24.6837%1,658
Efficiency ratio51.2672%5,682
Assets per employee ($millions)5.1128%2,226
Cash dividends to net income (ytd only)*98.6636%419
Condition Ratios (%)
Loss allowance to loans2.1440%648
Loan loss allowance to noncurrent loans186.6998%2,379
Noncurrent assets plus other real estate owned to assets0.7728%2,748
Noncurrent loans to loans1.1484%2,049
Net loans and leases to total assets65.8495%3,001
Net loans and leases to deposits83.9591%2,370
Net loans and leases to core deposits84.3767%2,940
Total domestic deposits to total assets78.4305%5,076
Equity capital to assets11.7890%2,117
Core capital (leverage) ratio11.0736%2,331
Tier 1 risk-based capital ratio12.5960%4,573
Total risk-based capital ratio13.8512%4,464
Memoranda:
Average total assets$261,431,4002,413
Average earning assets$242,507,6002,401
Average equity$30,568,2002,280
Average total loans$176,768,0002,273
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2943%2,251
Cost of funding earning assets0.2705%4,657
Net interest margin4.0238%1,626
Noninterest income to average assets0.4597%3,639
Noninterest expense to average assets2.1299%5,218
Loan and lease loss provision to assets0.1809%1,149
Net operating income to assets1.8536%464
Return on assets (ROA)1.8771%461
Pretax return on assets1.9113%703
Return on Equity (ROE)16.0868%579
Retained earnings to average equity (ytd only)-0.1835%5,632
Net charge-offs to loans0.1739%1,439
Credit loss provision to net charge-offs153.6797%1,647
Earnings coverage of net charge-offs (x)17.5672%2,050
Efficiency ratio50.7345%5,739
Assets per employee ($millions)4.9776%2,326
Cash dividends to net income (ytd only)*101.1404%364
Condition Ratios (%)
Loss allowance to loans2.1063%768
Loan loss allowance to noncurrent loans136.9992%2,992
Noncurrent assets plus other real estate owned to assets1.0423%2,272
Noncurrent loans to loans1.5375%1,626
Net loans and leases to total assets66.3666%2,953
Net loans and leases to deposits81.4197%2,714
Net loans and leases to core deposits81.7203%3,282
Total domestic deposits to total assets81.5117%4,320
Equity capital to assets12.0961%2,033
Core capital (leverage) ratio10.7056%2,816
Tier 1 risk-based capital ratio12.6992%4,612
Total risk-based capital ratio13.9543%4,518
Memoranda:
Average total assets$261,601,2502,427
Average earning assets$243,045,5002,412
Average equity$30,525,2502,298
Average total loans$177,093,5002,282
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2391%2,396
Cost of funding earning assets0.2608%4,822
Net interest margin3.9783%1,707
Noninterest income to average assets0.4921%3,433
Noninterest expense to average assets2.1455%5,233
Loan and lease loss provision to assets0.1764%1,175
Net operating income to assets1.8325%480
Return on assets (ROA)1.8533%485
Pretax return on assets1.8866%753
Return on Equity (ROE)16.0711%604
Retained earnings to average equity (ytd only)-1.8185%5,812
Net charge-offs to loans-0.1488%5,929
Credit loss provision to net charge-offs-175.1880%5,011
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2385%5,778
Assets per employee ($millions)5.1838%2,053
Cash dividends to net income (ytd only)*111.3154%382
Condition Ratios (%)
Loss allowance to loans2.1400%803
Loan loss allowance to noncurrent loans154.2481%2,742
Noncurrent assets plus other real estate owned to assets0.9483%2,637
Noncurrent loans to loans1.3874%1,948
Net loans and leases to total assets66.8876%2,804
Net loans and leases to deposits84.2089%2,290
Net loans and leases to core deposits84.5961%2,922
Total domestic deposits to total assets79.4305%4,995
Equity capital to assets11.4577%2,450
Core capital (leverage) ratio10.5482%2,896
Tier 1 risk-based capital ratio12.1729%5,019
Total risk-based capital ratio13.4285%4,917
Memoranda:
Average total assets$264,182,3302,420
Average earning assets$245,382,3302,414
Average equity$30,464,6702,305
Average total loans$178,757,3302,268
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2179%2,389
Cost of funding earning assets0.2615%4,889
Net interest margin3.9564%1,698
Noninterest income to average assets0.4817%3,408
Noninterest expense to average assets2.2417%5,035
Loan and lease loss provision to assets0.1696%1,171
Net operating income to assets1.7040%584
Return on assets (ROA)1.7070%608
Pretax return on assets1.7403%965
Return on Equity (ROE)14.7554%744
Retained earnings to average equity (ytd only)-8.8114%6,102
Net charge-offs to loans-0.1732%6,016
Credit loss provision to net charge-offs-145.4545%4,554
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0343%5,676
Assets per employee ($millions)4.8954%2,493
Cash dividends to net income (ytd only)*159.7161%331
Condition Ratios (%)
Loss allowance to loans2.1190%902
Loan loss allowance to noncurrent loans151.9769%2,769
Noncurrent assets plus other real estate owned to assets0.9358%2,759
Noncurrent loans to loans1.3943%2,059
Net loans and leases to total assets65.6951%2,824
Net loans and leases to deposits79.3906%2,630
Net loans and leases to core deposits79.7472%3,196
Total domestic deposits to total assets82.7493%4,252
Equity capital to assets11.6914%2,302
Core capital (leverage) ratio10.5028%2,957
Tier 1 risk-based capital ratio11.6024%5,494
Total risk-based capital ratio12.8567%5,407
Memoranda:
Average total assets$264,087,5002,436
Average earning assets$244,767,5002,431
Average equity$30,551,5002,318
Average total loans$177,786,5002,284
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2499%2,778
Cost of funding earning assets0.2851%4,953
Net interest margin3.9649%1,998
Noninterest income to average assets0.5250%3,324
Noninterest expense to average assets2.1586%5,435
Loan and lease loss provision to assets0.1618%1,624
Net operating income to assets1.8098%471
Return on assets (ROA)1.8273%469
Pretax return on assets1.8630%693
Return on Equity (ROE)16.0243%618
Retained earnings to average equity (ytd only)4.4475%3,013
Net charge-offs to loans0.1907%2,141
Credit loss provision to net charge-offs131.4815%1,815
Earnings coverage of net charge-offs (x)16.3056%2,018
Efficiency ratio51.8194%5,997
Assets per employee ($millions)5.1677%2,105
Cash dividends to net income (ytd only)*72.2453%1,204
Condition Ratios (%)
Loss allowance to loans1.9296%1,242
Loan loss allowance to noncurrent loans177.5355%2,463
Noncurrent assets plus other real estate owned to assets0.7339%3,374
Noncurrent loans to loans1.0869%2,651
Net loans and leases to total assets66.2149%2,849
Net loans and leases to deposits84.5853%2,150
Net loans and leases to core deposits85.1765%2,765
Total domestic deposits to total assets78.2818%5,378
Equity capital to assets11.4503%2,477
Core capital (leverage) ratio10.7516%2,672
Tier 1 risk-based capital ratio12.1155%5,288
Total risk-based capital ratio13.3691%5,190
Memoranda:
Average total assets$263,228,8002,398
Average earning assets$241,698,2002,418
Average equity$30,017,0002,269
Average total loans$169,859,0002,320
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2324%2,877
Cost of funding earning assets0.2915%4,975
Net interest margin3.9409%2,073
Noninterest income to average assets0.5443%3,239
Noninterest expense to average assets2.1431%5,477
Loan and lease loss provision to assets0.1629%1,527
Net operating income to assets1.8142%502
Return on assets (ROA)1.8376%489
Pretax return on assets1.8763%753
Return on Equity (ROE)16.1315%662
Retained earnings to average equity (ytd only)5.5157%2,734
Net charge-offs to loans-0.0671%6,021
Credit loss provision to net charge-offs-380.9524%5,693
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.5367%6,022
Assets per employee ($millions)4.8819%2,396
Cash dividends to net income (ytd only)*65.8078%1,169
Condition Ratios (%)
Loss allowance to loans2.2743%852
Loan loss allowance to noncurrent loans160.7777%2,572
Noncurrent assets plus other real estate owned to assets0.9144%3,151
Noncurrent loans to loans1.4146%2,299
Net loans and leases to total assets63.1730%3,322
Net loans and leases to deposits79.3868%2,782
Net loans and leases to core deposits80.1498%3,296
Total domestic deposits to total assets79.5762%5,204
Equity capital to assets11.8392%2,201
Core capital (leverage) ratio10.6851%2,832
Tier 1 risk-based capital ratio12.6077%5,105
Total risk-based capital ratio13.8637%5,022
Memoranda:
Average total assets$261,856,2502,435
Average earning assets$240,140,5002,439
Average equity$29,829,0002,291
Average total loans$166,965,5002,367
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1601%3,103
Cost of funding earning assets0.2924%5,042
Net interest margin3.8677%2,303
Noninterest income to average assets0.4800%3,629
Noninterest expense to average assets2.0358%5,760
Loan and lease loss provision to assets0.1620%1,529
Net operating income to assets1.7946%498
Return on assets (ROA)1.8296%480
Pretax return on assets1.8700%729
Return on Equity (ROE)16.2714%629
Retained earnings to average equity (ytd only)5.6155%2,568
Net charge-offs to loans-0.0755%6,054
Credit loss provision to net charge-offs-338.0952%5,495
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.4906%6,150
Assets per employee ($millions)5.1142%2,080
Cash dividends to net income (ytd only)*65.4886%1,314
Condition Ratios (%)
Loss allowance to loans2.1237%1,134
Loan loss allowance to noncurrent loans153.8301%2,663
Noncurrent assets plus other real estate owned to assets0.8983%3,298
Noncurrent loans to loans1.3805%2,497
Net loans and leases to total assets63.6893%3,124
Net loans and leases to deposits82.5607%2,188
Net loans and leases to core deposits83.4589%2,798
Total domestic deposits to total assets77.1424%5,783
Equity capital to assets11.3609%2,541
Core capital (leverage) ratio10.5734%2,857
Tier 1 risk-based capital ratio12.4520%5,259
Total risk-based capital ratio13.7078%5,178
Memoranda:
Average total assets$262,894,3302,431
Average earning assets$241,433,6702,429
Average equity$29,561,0002,293
Average total loans$166,867,6702,373
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1214%3,199
Cost of funding earning assets0.2944%5,131
Net interest margin3.8270%2,359
Noninterest income to average assets0.5739%2,891
Noninterest expense to average assets2.0721%5,733
Loan and lease loss provision to assets0.1638%1,486
Net operating income to assets1.8181%470
Return on assets (ROA)1.8181%490
Pretax return on assets1.8594%712
Return on Equity (ROE)16.2545%617
Retained earnings to average equity (ytd only)-0.1642%5,582
Net charge-offs to loans-0.1881%6,363
Credit loss provision to net charge-offs-138.9610%4,895
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5979%6,220
Assets per employee ($millions)5.2686%1,940
Cash dividends to net income (ytd only)*101.0101%667
Condition Ratios (%)
Loss allowance to loans2.1943%1,170
Loan loss allowance to noncurrent loans152.0153%2,625
Noncurrent assets plus other real estate owned to assets0.9130%3,443
Noncurrent loans to loans1.4435%2,622
Net loans and leases to total assets61.8604%3,263
Net loans and leases to deposits74.5513%3,001
Net loans and leases to core deposits75.3416%3,483
Total domestic deposits to total assets82.9770%4,611
Equity capital to assets11.4045%2,327
Core capital (leverage) ratio10.2056%3,284
Tier 1 risk-based capital ratio12.5240%5,300
Total risk-based capital ratio13.7794%5,233
Memoranda:
Average total assets$261,372,5002,445
Average earning assets$240,503,5002,436
Average equity$29,235,0002,311
Average total loans$163,777,0002,410
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3480%2,778
Cost of funding earning assets0.3115%5,508
Net interest margin4.0366%1,845
Noninterest income to average assets0.4117%4,364
Noninterest expense to average assets2.0518%5,920
Loan and lease loss provision to assets0.1514%2,387
Net operating income to assets1.9011%396
Return on assets (ROA)1.9150%396
Pretax return on assets1.9474%542
Return on Equity (ROE)17.5417%449
Retained earnings to average equity (ytd only)-2.0096%6,176
Net charge-offs to loans0.0283%4,860
Credit loss provision to net charge-offs850.0000%294
Earnings coverage of net charge-offs (x)117.0455%405
Efficiency ratio49.6037%6,414
Assets per employee ($millions)5.2917%1,858
Cash dividends to net income (ytd only)*111.4564%284
Condition Ratios (%)
Loss allowance to loans2.0691%1,396
Loan loss allowance to noncurrent loans131.2355%2,966
Noncurrent assets plus other real estate owned to assets1.0488%3,318
Noncurrent loans to loans1.5767%2,531
Net loans and leases to total assets60.8021%3,572
Net loans and leases to deposits73.8175%3,290
Net loans and leases to core deposits74.8848%3,748
Total domestic deposits to total assets82.3681%4,746
Equity capital to assets10.9712%2,634
Core capital (leverage) ratio10.1277%3,390
Tier 1 risk-based capital ratio12.4970%5,292
Total risk-based capital ratio13.7515%5,245
Memoranda:
Average total assets$247,047,6002,559
Average earning assets$227,965,2002,534
Average equity$26,970,0002,458
Average total loans$155,348,0002,489
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3642%2,715
Cost of funding earning assets0.3181%5,570
Net interest margin4.0461%1,800
Noninterest income to average assets0.4330%4,280
Noninterest expense to average assets2.0137%5,986
Loan and lease loss provision to assets0.1467%2,443
Net operating income to assets1.9809%373
Return on assets (ROA)1.9978%373
Pretax return on assets2.0280%548
Return on Equity (ROE)18.3247%415
Retained earnings to average equity (ytd only)-4.8533%6,487
Net charge-offs to loans0.0427%4,302
Credit loss provision to net charge-offs544.8980%516
Earnings coverage of net charge-offs (x)80.1450%592
Efficiency ratio48.2745%6,492
Assets per employee ($millions)5.0581%2,096
Cash dividends to net income (ytd only)*126.4852%207
Condition Ratios (%)
Loss allowance to loans1.9871%1,750
Loan loss allowance to noncurrent loans121.2021%2,992
Noncurrent assets plus other real estate owned to assets1.1577%3,340
Noncurrent loans to loans1.6395%2,716
Net loans and leases to total assets61.6427%3,429
Net loans and leases to deposits73.4560%3,321
Net loans and leases to core deposits74.6915%3,767
Total domestic deposits to total assets83.9179%4,224
Equity capital to assets10.8140%2,942
Core capital (leverage) ratio9.6514%4,166
Tier 1 risk-based capital ratio12.3554%5,542
Total risk-based capital ratio13.6091%5,475
Memoranda:
Average total assets$242,663,7502,616
Average earning assets$224,210,7502,586
Average equity$26,455,5002,534
Average total loans$153,117,2502,528
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2598%3,120
Cost of funding earning assets0.3281%5,581
Net interest margin3.9317%2,104
Noninterest income to average assets0.3722%4,733
Noninterest expense to average assets1.9603%6,114
Loan and lease loss provision to assets0.1272%2,725
Net operating income to assets1.8911%428
Return on assets (ROA)1.9052%457
Pretax return on assets1.9366%686
Return on Equity (ROE)17.4233%516
Retained earnings to average equity (ytd only)-12.9648%6,727
Net charge-offs to loans0.0550%3,911
Credit loss provision to net charge-offs365.8537%710
Earnings coverage of net charge-offs (x)58.9512%714
Efficiency ratio48.8898%6,490
Assets per employee ($millions)5.5296%1,557
Cash dividends to net income (ytd only)*174.4103%140
Condition Ratios (%)
Loss allowance to loans1.8155%2,389
Loan loss allowance to noncurrent loans98.3596%3,505
Noncurrent assets plus other real estate owned to assets1.2891%3,191
Noncurrent loans to loans1.8457%2,569
Net loans and leases to total assets62.1655%3,262
Net loans and leases to deposits75.8916%2,892
Net loans and leases to core deposits76.8650%3,444
Total domestic deposits to total assets81.9136%5,087
Equity capital to assets10.2066%3,653
Core capital (leverage) ratio9.4700%4,293
Tier 1 risk-based capital ratio11.5622%6,078
Total risk-based capital ratio12.8147%6,035
Memoranda:
Average total assets$235,878,6702,686
Average earning assets$218,228,6702,661
Average equity$25,793,0002,599
Average total loans$149,016,6702,586
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5630%1,938
Cost of funding earning assets0.3665%5,400
Net interest margin4.1965%1,194
Noninterest income to average assets0.3674%4,734
Noninterest expense to average assets2.1022%5,910
Loan and lease loss provision to assets0.1392%2,504
Net operating income to assets1.9577%372
Return on assets (ROA)1.9687%390
Pretax return on assets2.0039%590
Return on Equity (ROE)17.2661%492
Retained earnings to average equity (ytd only)0.9113%5,482
Net charge-offs to loans0.1059%2,813
Credit loss provision to net charge-offs208.3333%1,054
Earnings coverage of net charge-offs (x)31.9167%935
Efficiency ratio49.6494%6,523
Assets per employee ($millions)5.1598%2,023
Cash dividends to net income (ytd only)*94.7220%705
Condition Ratios (%)
Loss allowance to loans2.3266%1,365
Loan loss allowance to noncurrent loans174.2152%2,107
Noncurrent assets plus other real estate owned to assets1.0551%3,822
Noncurrent loans to loans1.3355%3,565
Net loans and leases to total assets61.6749%3,129
Net loans and leases to deposits70.4573%3,401
Net loans and leases to core deposits71.8783%3,833
Total domestic deposits to total assets87.5350%2,612
Equity capital to assets11.5943%2,336
Core capital (leverage) ratio10.2945%3,021
Tier 1 risk-based capital ratio12.6289%5,490
Total risk-based capital ratio13.8853%5,438
Memoranda:
Average total assets$215,579,0002,925
Average earning assets$198,640,0002,914
Average equity$24,580,0002,747
Average total loans$135,999,0002,791
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6709%2,705
Cost of funding earning assets0.5596%4,728
Net interest margin4.1113%1,955
Noninterest income to average assets0.3512%4,952
Noninterest expense to average assets2.1537%6,016
Loan and lease loss provision to assets0.1374%3,905
Net operating income to assets1.8202%496
Return on assets (ROA)1.8368%539
Pretax return on assets1.8721%792
Return on Equity (ROE)16.1238%643
Retained earnings to average equity (ytd only)-0.3578%5,915
Net charge-offs to loans-0.0136%6,510
Credit loss provision to net charge-offs-1,666.6667%6,624
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.1928%6,508
Assets per employee ($millions)5.1071%2,087
Cash dividends to net income (ytd only)*102.2189%444
Condition Ratios (%)
Loss allowance to loans2.2172%1,530
Loan loss allowance to noncurrent loans208.6336%1,781
Noncurrent assets plus other real estate owned to assets0.7099%4,708
Noncurrent loans to loans1.0627%4,088
Net loans and leases to total assets61.6316%3,309
Net loans and leases to deposits71.3993%3,510
Net loans and leases to core deposits73.0968%3,911
Total domestic deposits to total assets86.3195%3,191
Equity capital to assets11.2165%2,712
Core capital (leverage) ratio10.4812%2,791
Tier 1 risk-based capital ratio12.2614%5,627
Total risk-based capital ratio13.5173%5,577
Memoranda:
Average total assets$218,365,0002,856
Average earning assets$201,566,2002,826
Average equity$24,876,2002,670
Average total loans$132,224,8002,842
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7215%2,705
Cost of funding earning assets0.5913%4,734
Net interest margin4.1302%1,976
Noninterest income to average assets0.3601%4,942
Noninterest expense to average assets2.1370%6,094
Loan and lease loss provision to assets0.1376%3,828
Net operating income to assets1.8763%481
Return on assets (ROA)1.8924%539
Pretax return on assets1.9285%814
Return on Equity (ROE)16.5478%663
Retained earnings to average equity (ytd only)1.7109%5,476
Net charge-offs to loans-0.1184%6,888
Credit loss provision to net charge-offs-193.9655%6,333
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.2994%6,565
Assets per employee ($millions)5.2396%1,893
Cash dividends to net income (ytd only)*89.6609%464
Condition Ratios (%)
Loss allowance to loans2.4585%1,256
Loan loss allowance to noncurrent loans205.4485%1,744
Noncurrent assets plus other real estate owned to assets0.9924%4,295
Noncurrent loans to loans1.1966%4,058
Net loans and leases to total assets58.5331%4,038
Net loans and leases to deposits67.2879%4,291
Net loans and leases to core deposits69.7645%4,523
Total domestic deposits to total assets86.9890%2,673
Equity capital to assets12.0763%2,192
Core capital (leverage) ratio10.5372%2,873
Tier 1 risk-based capital ratio13.2602%5,047
Total risk-based capital ratio14.5173%5,010
Memoranda:
Average total assets$218,055,0002,874
Average earning assets$202,020,5002,846
Average equity$24,937,2502,693
Average total loans$130,677,2502,904
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7247%2,824
Cost of funding earning assets0.6157%4,756
Net interest margin4.1089%2,055
Noninterest income to average assets0.3685%4,886
Noninterest expense to average assets2.1469%6,131
Loan and lease loss provision to assets0.1358%3,827
Net operating income to assets1.8558%505
Return on assets (ROA)1.8798%549
Pretax return on assets1.9169%822
Return on Equity (ROE)16.7332%674
Retained earnings to average equity (ytd only)-2.0070%6,360
Net charge-offs to loans-0.1119%6,876
Credit loss provision to net charge-offs-202.7027%6,146
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6831%6,597
Assets per employee ($millions)5.7142%1,431
Cash dividends to net income (ytd only)*111.9942%328
Condition Ratios (%)
Loss allowance to loans2.1889%1,795
Loan loss allowance to noncurrent loans144.5578%2,321
Noncurrent assets plus other real estate owned to assets1.1326%4,123
Noncurrent loans to loans1.5142%3,632
Net loans and leases to total assets59.6521%3,888
Net loans and leases to deposits72.4644%3,541
Net loans and leases to core deposits75.2931%3,841
Total domestic deposits to total assets82.3192%5,010
Equity capital to assets11.0190%3,094
Core capital (leverage) ratio9.8634%3,632
Tier 1 risk-based capital ratio12.4486%5,602
Total risk-based capital ratio13.6434%5,639
Memoranda:
Average total assets$220,878,6702,858
Average earning assets$204,628,6702,824
Average equity$24,813,0002,692
Average total loans$132,313,6702,884
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7622%2,798
Cost of funding earning assets0.6625%4,610
Net interest margin4.0997%2,089
Noninterest income to average assets0.3256%5,263
Noninterest expense to average assets2.2702%5,854
Loan and lease loss provision to assets0.1364%3,644
Net operating income to assets1.7045%711
Return on assets (ROA)1.7045%793
Pretax return on assets1.7463%1,203
Return on Equity (ROE)15.0272%967
Retained earnings to average equity (ytd only)7.0084%2,434
Net charge-offs to loans0.2360%2,751
Credit loss provision to net charge-offs97.4026%2,414
Earnings coverage of net charge-offs (x)13.4416%1,540
Efficiency ratio53.9203%6,362
Assets per employee ($millions)5.4602%1,731
Cash dividends to net income (ytd only)*53.3618%1,368
Condition Ratios (%)
Loss allowance to loans2.1162%2,065
Loan loss allowance to noncurrent loans84.7933%3,513
Noncurrent assets plus other real estate owned to assets1.5247%3,570
Noncurrent loans to loans2.4957%2,609
Net loans and leases to total assets58.2182%4,001
Net loans and leases to deposits66.4413%4,308
Net loans and leases to core deposits68.5877%4,612
Total domestic deposits to total assets87.6235%2,574
Equity capital to assets11.5308%2,412
Core capital (leverage) ratio10.2088%3,094
Tier 1 risk-based capital ratio13.1895%5,075
Total risk-based capital ratio14.4441%5,044
Memoranda:
Average total assets$219,892,0002,894
Average earning assets$205,282,5002,830
Average equity$24,941,5002,669
Average total loans$130,515,0002,931
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0366%2,731
Cost of funding earning assets0.8629%4,372
Net interest margin4.1736%2,144
Noninterest income to average assets0.3651%4,894
Noninterest expense to average assets2.3819%5,822
Loan and lease loss provision to assets0.3675%2,788
Net operating income to assets1.4879%850
Return on assets (ROA)1.5210%856
Pretax return on assets1.5551%1,327
Return on Equity (ROE)13.9406%942
Retained earnings to average equity (ytd only)10.7011%446
Net charge-offs to loans0.6139%2,610
Credit loss provision to net charge-offs98.9912%3,622
Earnings coverage of net charge-offs (x)5.0883%2,900
Efficiency ratio55.0258%6,419
Assets per employee ($millions)5.1483%2,001
Cash dividends to net income (ytd only)*23.2379%3,407
Condition Ratios (%)
Loss allowance to loans2.0979%2,010
Loan loss allowance to noncurrent loans118.8850%2,622
Noncurrent assets plus other real estate owned to assets1.0873%4,444
Noncurrent loans to loans1.7647%3,517
Net loans and leases to total assets57.9904%4,370
Net loans and leases to deposits66.4637%4,673
Net loans and leases to core deposits69.8694%4,791
Total domestic deposits to total assets87.2512%2,610
Equity capital to assets11.1569%2,838
Core capital (leverage) ratio10.1250%3,199
Tier 1 risk-based capital ratio12.9514%5,104
Total risk-based capital ratio14.2059%5,084
Memoranda:
Average total assets$213,614,2002,904
Average earning assets$199,898,2002,856
Average equity$23,306,0002,748
Average total loans$129,182,0002,993
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0955%2,628
Cost of funding earning assets0.8870%4,491
Net interest margin4.2085%2,062
Noninterest income to average assets0.3767%4,853
Noninterest expense to average assets2.3898%5,787
Loan and lease loss provision to assets0.4472%2,235
Net operating income to assets1.4484%1,058
Return on assets (ROA)1.4928%1,036
Pretax return on assets1.5268%1,589
Return on Equity (ROE)13.7641%1,090
Retained earnings to average equity (ytd only)11.8475%513
Net charge-offs to loans0.6289%2,363
Credit loss provision to net charge-offs116.9687%2,792
Earnings coverage of net charge-offs (x)5.0445%2,889
Efficiency ratio54.5945%6,431
Assets per employee ($millions)4.9439%2,268
Cash dividends to net income (ytd only)*13.9241%3,162
Condition Ratios (%)
Loss allowance to loans2.3008%1,688
Loan loss allowance to noncurrent loans69.0637%4,004
Noncurrent assets plus other real estate owned to assets1.9931%3,149
Noncurrent loans to loans3.3314%2,070
Net loans and leases to total assets57.1674%4,651
Net loans and leases to deposits65.2845%5,015
Net loans and leases to core deposits68.6985%5,095
Total domestic deposits to total assets87.5666%2,313
Equity capital to assets11.4978%2,684
Core capital (leverage) ratio10.1892%3,204
Tier 1 risk-based capital ratio13.3253%4,863
Total risk-based capital ratio14.5815%4,832
Memoranda:
Average total assets$211,673,2502,934
Average earning assets$198,260,7502,884
Average equity$22,957,7502,781
Average total loans$128,695,2503,033
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1623%2,409
Cost of funding earning assets0.9113%4,575
Net interest margin4.2510%1,839
Noninterest income to average assets0.3756%4,877
Noninterest expense to average assets2.3419%6,025
Loan and lease loss provision to assets0.5914%1,635
Net operating income to assets1.3859%1,111
Return on assets (ROA)1.4184%1,110
Pretax return on assets1.4524%1,661
Return on Equity (ROE)13.3466%1,125
Retained earnings to average equity (ytd only)12.0110%517
Net charge-offs to loans0.0476%5,179
Credit loss provision to net charge-offs2,016.1290%163
Earnings coverage of net charge-offs (x)68.5484%487
Efficiency ratio53.0652%6,708
Assets per employee ($millions)5.0518%2,056
Cash dividends to net income (ytd only)*10.0067%3,129
Condition Ratios (%)
Loss allowance to loans2.5958%1,317
Loan loss allowance to noncurrent loans71.4925%3,877
Noncurrent assets plus other real estate owned to assets2.2769%2,884
Noncurrent loans to loans3.6309%1,938
Net loans and leases to total assets59.2984%4,412
Net loans and leases to deposits67.4488%4,789
Net loans and leases to core deposits71.4313%4,896
Total domestic deposits to total assets87.9162%2,191
Equity capital to assets11.1596%2,804
Core capital (leverage) ratio9.8240%3,486
Tier 1 risk-based capital ratio12.9461%4,958
Total risk-based capital ratio14.1409%4,983
Memoranda:
Average total assets$211,368,3302,960
Average earning assets$197,739,6702,901
Average equity$22,462,6702,820
Average total loans$130,129,3303,035
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0821%2,731
Cost of funding earning assets0.9430%4,627
Net interest margin4.1391%2,123
Noninterest income to average assets0.3944%4,746
Noninterest expense to average assets2.3739%5,969
Loan and lease loss provision to assets0.9480%828
Net operating income to assets0.9095%2,514
Return on assets (ROA)0.9499%2,424
Pretax return on assets0.9841%3,182
Return on Equity (ROE)9.1695%2,398
Retained earnings to average equity (ytd only)9.1695%1,328
Net charge-offs to loans-0.0368%6,780
Credit loss provision to net charge-offs-4,166.6667%6,350
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.9133%6,610
Assets per employee ($millions)5.3231%1,746
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4978%1,459
Loan loss allowance to noncurrent loans82.7264%3,428
Noncurrent assets plus other real estate owned to assets1.9674%3,358
Noncurrent loans to loans3.0194%2,491
Net loans and leases to total assets59.9662%4,269
Net loans and leases to deposits67.5736%4,736
Net loans and leases to core deposits71.2473%4,895
Total domestic deposits to total assets88.7420%1,930
Equity capital to assets10.3769%3,317
Core capital (leverage) ratio9.5072%3,791
Tier 1 risk-based capital ratio12.2046%5,508
Total risk-based capital ratio13.4639%5,501
Memoranda:
Average total assets$210,964,5002,978
Average earning assets$197,240,5002,920
Average equity$21,855,0002,891
Average total loans$130,609,0003,055
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2954%3,150
Cost of funding earning assets1.1892%4,626
Net interest margin4.1061%2,533
Noninterest income to average assets0.4255%4,706
Noninterest expense to average assets2.4248%6,027
Loan and lease loss provision to assets0.7785%2,105
Net operating income to assets1.0110%1,997
Return on assets (ROA)1.1048%1,763
Pretax return on assets1.1385%2,437
Return on Equity (ROE)10.8885%1,620
Retained earnings to average equity (ytd only)8.4449%858
Net charge-offs to loans1.2535%1,793
Credit loss provision to net charge-offs94.8640%4,898
Earnings coverage of net charge-offs (x)2.2181%4,062
Efficiency ratio56.3252%6,558
Assets per employee ($millions)4.9763%2,184
Cash dividends to net income (ytd only)*22.4417%3,360
Condition Ratios (%)
Loss allowance to loans2.1180%2,029
Loan loss allowance to noncurrent loans72.0366%3,848
Noncurrent assets plus other real estate owned to assets2.1114%3,200
Noncurrent loans to loans2.9402%2,596
Net loans and leases to total assets61.0060%4,487
Net loans and leases to deposits68.7904%4,986
Net loans and leases to core deposits72.3068%5,180
Total domestic deposits to total assets88.6839%1,836
Equity capital to assets10.3419%3,339
Core capital (leverage) ratio9.5120%3,692
Tier 1 risk-based capital ratio11.6379%5,785
Total risk-based capital ratio12.8240%5,854
Memoranda:
Average total assets$201,664,0003,079
Average earning assets$187,597,6003,039
Average equity$20,462,0003,084
Average total loans$132,035,4003,086
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3679%3,040
Cost of funding earning assets1.2386%4,635
Net interest margin4.1294%2,491
Noninterest income to average assets0.4324%4,697
Noninterest expense to average assets2.4634%5,842
Loan and lease loss provision to assets0.9475%1,581
Net operating income to assets0.8350%2,861
Return on assets (ROA)0.9535%2,531
Pretax return on assets0.9875%3,227
Return on Equity (ROE)9.4444%2,337
Retained earnings to average equity (ytd only)8.4530%1,254
Net charge-offs to loans1.3939%1,455
Credit loss provision to net charge-offs102.5271%4,197
Earnings coverage of net charge-offs (x)1.9617%4,242
Efficiency ratio56.8107%6,437
Assets per employee ($millions)4.8787%2,357
Cash dividends to net income (ytd only)*10.4971%3,305
Condition Ratios (%)
Loss allowance to loans2.2419%1,714
Loan loss allowance to noncurrent loans54.8904%4,636
Noncurrent assets plus other real estate owned to assets2.8081%2,587
Noncurrent loans to loans4.0843%1,819
Net loans and leases to total assets62.7617%4,372
Net loans and leases to deposits71.3845%4,928
Net loans and leases to core deposits74.4127%5,247
Total domestic deposits to total assets87.9207%2,005
Equity capital to assets11.1144%2,841
Core capital (leverage) ratio9.5862%3,789
Tier 1 risk-based capital ratio11.7415%5,697
Total risk-based capital ratio12.9982%5,659
Memoranda:
Average total assets$199,829,0003,142
Average earning assets$186,013,2503,097
Average equity$20,173,7503,168
Average total loans$132,478,2503,133
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4134%2,919
Cost of funding earning assets1.2829%4,629
Net interest margin4.1305%2,429
Noninterest income to average assets0.4565%4,465
Noninterest expense to average assets2.3698%6,150
Loan and lease loss provision to assets1.2014%1,166
Net operating income to assets0.7055%3,382
Return on assets (ROA)0.9131%2,611
Pretax return on assets0.9471%3,322
Return on Equity (ROE)9.3598%2,330
Retained earnings to average equity (ytd only)9.3598%995
Net charge-offs to loans1.7021%1,099
Credit loss provision to net charge-offs105.3556%3,867
Earnings coverage of net charge-offs (x)1.6945%4,242
Efficiency ratio54.2937%6,845
Assets per employee ($millions)4.9384%2,257
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.2313%1,703
Loan loss allowance to noncurrent loans59.3788%4,380
Noncurrent assets plus other real estate owned to assets2.5534%2,832
Noncurrent loans to loans3.7577%2,070
Net loans and leases to total assets64.4603%4,167
Net loans and leases to deposits72.5954%4,896
Net loans and leases to core deposits75.6844%5,230
Total domestic deposits to total assets88.7940%1,549
Equity capital to assets10.2173%3,745
Core capital (leverage) ratio9.4029%3,956
Tier 1 risk-based capital ratio11.6310%5,644
Total risk-based capital ratio12.8087%5,684
Memoranda:
Average total assets$199,762,6703,167
Average earning assets$185,984,0003,119
Average equity$19,487,6703,244
Average total loans$133,831,0003,130
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5031%2,566
Cost of funding earning assets1.3384%4,573
Net interest margin4.1648%2,172
Noninterest income to average assets0.5217%3,882
Noninterest expense to average assets2.3617%6,206
Loan and lease loss provision to assets1.4935%781
Net operating income to assets0.5175%4,304
Return on assets (ROA)0.6273%3,897
Pretax return on assets0.6611%4,373
Return on Equity (ROE)6.5831%3,579
Retained earnings to average equity (ytd only)6.5831%2,326
Net charge-offs to loans1.0263%1,606
Credit loss provision to net charge-offs215.5172%1,735
Earnings coverage of net charge-offs (x)2.9425%3,081
Efficiency ratio52.8959%7,062
Assets per employee ($millions)4.8817%2,388
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.4373%1,379
Loan loss allowance to noncurrent loans61.7933%4,281
Noncurrent assets plus other real estate owned to assets2.6995%2,697
Noncurrent loans to loans3.9443%2,000
Net loans and leases to total assets64.9190%4,115
Net loans and leases to deposits72.9983%4,906
Net loans and leases to core deposits76.2389%5,226
Total domestic deposits to total assets88.9322%1,552
Equity capital to assets9.6139%4,358
Core capital (leverage) ratio9.0372%4,499
Tier 1 risk-based capital ratio10.6280%6,513
Total risk-based capital ratio11.8865%6,493
Memoranda:
Average total assets$200,875,5003,207
Average earning assets$187,093,5003,161
Average equity$19,140,0003,310
Average total loans$135,627,0003,151
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7600%2,820
Cost of funding earning assets1.8766%3,585
Net interest margin3.8833%3,334
Noninterest income to average assets0.3009%5,944
Noninterest expense to average assets2.3529%6,597
Loan and lease loss provision to assets3.1220%539
Net operating income to assets-1.5412%6,880
Return on assets (ROA)-1.6118%6,917
Pretax return on assets-1.6118%6,766
Return on Equity (ROE)-17.5679%7,060
Retained earnings to average equity (ytd only)-20.2967%7,118
Net charge-offs to loans4.2411%363
Credit loss provision to net charge-offs104.7547%5,280
Earnings coverage of net charge-offs (x)0.5304%5,582
Efficiency ratio58.9486%6,624
Assets per employee ($millions)4.6884%2,631
Cash dividends to net income (ytd only)*-15.5328%7,658
Condition Ratios (%)
Loss allowance to loans2.0605%1,888
Loan loss allowance to noncurrent loans55.7297%4,650
Noncurrent assets plus other real estate owned to assets2.6136%2,687
Noncurrent loans to loans3.6973%2,038
Net loans and leases to total assets67.0769%3,906
Net loans and leases to deposits75.9338%4,751
Net loans and leases to core deposits91.5472%4,944
Total domestic deposits to total assets88.3360%1,799
Equity capital to assets9.4433%4,496
Core capital (leverage) ratio8.8572%4,669
Tier 1 risk-based capital ratio10.0916%6,795
Total risk-based capital ratio11.2322%6,859
Memoranda:
Average total assets$199,714,0003,185
Average earning assets$186,823,8003,128
Average equity$18,323,2003,459
Average total loans$140,342,0003,077
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8326%2,738
Cost of funding earning assets1.9701%3,516
Net interest margin3.8625%3,380
Noninterest income to average assets0.3092%6,013
Noninterest expense to average assets2.4151%6,367
Loan and lease loss provision to assets3.6973%349
Net operating income to assets-2.1795%7,375
Return on assets (ROA)-2.2906%7,398
Pretax return on assets-2.2906%7,281
Return on Equity (ROE)-25.1530%7,508
Retained earnings to average equity (ytd only)-28.8271%7,569
Net charge-offs to loans4.5731%273
Credit loss provision to net charge-offs114.3182%4,439
Earnings coverage of net charge-offs (x)0.4693%5,563
Efficiency ratio60.5411%6,342
Assets per employee ($millions)4.8135%2,381
Cash dividends to net income (ytd only)*-14.6071%7,803
Condition Ratios (%)
Loss allowance to loans2.4000%1,166
Loan loss allowance to noncurrent loans87.6819%3,138
Noncurrent assets plus other real estate owned to assets1.8799%3,539
Noncurrent loans to loans2.7371%2,770
Net loans and leases to total assets67.0327%4,177
Net loans and leases to deposits75.5090%5,124
Net loans and leases to core deposits92.7167%5,161
Total domestic deposits to total assets88.7744%1,302
Equity capital to assets9.6963%4,501
Core capital (leverage) ratio8.8016%4,971
Tier 1 risk-based capital ratio9.9220%7,040
Total risk-based capital ratio11.1794%6,995
Memoranda:
Average total assets$199,241,7503,212
Average earning assets$186,921,2503,150
Average equity$18,144,5003,509
Average total loans$140,909,0003,098
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8493%2,807
Cost of funding earning assets2.0341%3,601
Net interest margin3.8152%3,485
Noninterest income to average assets0.3152%5,988
Noninterest expense to average assets2.4966%6,138
Loan and lease loss provision to assets4.2477%277
Net operating income to assets-2.8518%7,642
Return on assets (ROA)-2.8218%7,631
Pretax return on assets-2.8218%7,513
Return on Equity (ROE)-31.6605%7,739
Retained earnings to average equity (ytd only)-35.5900%7,779
Net charge-offs to loans5.2503%235
Credit loss provision to net charge-offs113.3209%4,090
Earnings coverage of net charge-offs (x)0.3724%5,311
Efficiency ratio63.2648%6,046
Assets per employee ($millions)4.5914%2,623
Cash dividends to net income (ytd only)*-12.4113%7,887
Condition Ratios (%)
Loss allowance to loans2.1006%1,393
Loan loss allowance to noncurrent loans53.5996%4,801
Noncurrent assets plus other real estate owned to assets2.8259%2,271
Noncurrent loans to loans3.9190%1,737
Net loans and leases to total assets70.5934%3,549
Net loans and leases to deposits81.3015%4,337
Net loans and leases to core deposits100.2940%4,478
Total domestic deposits to total assets86.8292%2,343
Equity capital to assets9.1589%5,080
Core capital (leverage) ratio9.2218%4,276
Tier 1 risk-based capital ratio9.8461%7,087
Total risk-based capital ratio11.1013%7,015
Memoranda:
Average total assets$199,871,3303,230
Average earning assets$187,406,3303,175
Average equity$17,814,0003,575
Average total loans$142,697,3303,101
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9594%2,529
Cost of funding earning assets2.1168%3,575
Net interest margin3.8425%3,287
Noninterest income to average assets0.3139%5,936
Noninterest expense to average assets2.3059%6,520
Loan and lease loss provision to assets6.7305%100
Net operating income to assets-5.1550%8,045
Return on assets (ROA)-5.1450%8,037
Pretax return on assets-5.1148%7,994
Return on Equity (ROE)-58.5478%8,082
Retained earnings to average equity (ytd only)-66.5617%8,089
Net charge-offs to loans8.6539%81
Credit loss provision to net charge-offs109.4926%3,516
Earnings coverage of net charge-offs (x)0.2612%4,763
Efficiency ratio58.0761%6,692
Assets per employee ($millions)4.5618%2,626
Cash dividends to net income (ytd only)*-13.6879%8,078
Condition Ratios (%)
Loss allowance to loans2.0329%1,352
Loan loss allowance to noncurrent loans92.9573%3,242
Noncurrent assets plus other real estate owned to assets1.5636%3,587
Noncurrent loans to loans2.1869%2,998
Net loans and leases to total assets70.0417%3,658
Net loans and leases to deposits78.5078%4,850
Net loans and leases to core deposits99.1563%4,624
Total domestic deposits to total assets89.2162%1,135
Equity capital to assets8.8470%5,555
Core capital (leverage) ratio8.9418%4,807
Tier 1 risk-based capital ratio9.9645%6,967
Total risk-based capital ratio11.2005%6,887
Memoranda:
Average total assets$198,795,5003,258
Average earning assets$186,126,5003,209
Average equity$17,469,5003,646
Average total loans$141,208,5003,151
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4925%2,993
Cost of funding earning assets2.6564%3,390
Net interest margin3.8361%3,861
Noninterest income to average assets0.3825%5,615
Noninterest expense to average assets2.3479%6,572
Loan and lease loss provision to assets0.3683%3,470
Net operating income to assets1.1784%1,845
Return on assets (ROA)1.1267%1,962
Pretax return on assets1.1577%2,816
Return on Equity (ROE)12.6092%1,423
Retained earnings to average equity (ytd only)3.3996%3,031
Net charge-offs to loans0.1771%4,435
Credit loss provision to net charge-offs299.5868%1,512
Earnings coverage of net charge-offs (x)12.8471%2,197
Efficiency ratio58.9057%6,543
Assets per employee ($millions)4.6845%2,355
Cash dividends to net income (ytd only)*73.0388%2,031
Condition Ratios (%)
Loss allowance to loans1.8013%1,629
Loan loss allowance to noncurrent loans33.3985%6,496
Noncurrent assets plus other real estate owned to assets3.8067%1,119
Noncurrent loans to loans5.3934%774
Net loans and leases to total assets69.3097%4,191
Net loans and leases to deposits78.9734%5,200
Net loans and leases to core deposits98.8523%4,941
Total domestic deposits to total assets87.7633%1,572
Equity capital to assets8.7299%5,761
Core capital (leverage) ratio8.8677%4,943
Tier 1 risk-based capital ratio9.5636%7,239
Total risk-based capital ratio10.8156%7,143
Memoranda:
Average total assets$196,860,6003,180
Average earning assets$181,902,4003,162
Average equity$17,590,4003,628
Average total loans$136,669,2003,148