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State Bank of Scotia, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5591%2,994
Cost of funding earning assets1.5855%1,726
Net interest margin2.9735%3,347
Noninterest income to average assets0.1600%3,995
Noninterest expense to average assets2.0910%3,428
Loan and lease loss provision to assets0.1700%757
Net operating income to assets0.6096%3,419
Return on assets (ROA)0.6096%3,405
Pretax return on assets0.7716%3,280
Return on Equity (ROE)3.0400%4,020
Retained earnings to average equity (ytd only)0.9585%3,846
Net charge-offs to loans0.0394%1,520
Credit loss provision to net charge-offs714.2857%521
Earnings coverage of net charge-offs (x)40.1429%1,446
Efficiency ratio69.0187%2,008
Assets per employee ($millions)8.8284%1,047
Cash dividends to net income (ytd only)*68.4932%894
Condition Ratios (%)
Loss allowance to loans2.6015%172
Loan loss allowance to noncurrent loans64.9002%3,511
Noncurrent assets plus other real estate owned to assets2.5502%90
Noncurrent loans to loans4.0085%83
Net loans and leases to total assets57.1300%3,112
Net loans and leases to deposits71.1637%2,805
Net loans and leases to core deposits72.1836%3,178
Total domestic deposits to total assets80.2800%3,419
Equity capital to assets19.3854%301
Core capital (leverage) ratio19.5019%279
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.9666%274
Memoranda:
Average total assets$59,876,4004,215
Average earning assets$57,709,2004,166
Average equity$11,997,8003,522
Average total loans$35,492,0004,060
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4450%3,013
Cost of funding earning assets1.3609%1,971
Net interest margin3.0841%3,167
Noninterest income to average assets0.1500%4,067
Noninterest expense to average assets1.9597%3,688
Loan and lease loss provision to assets0.1700%682
Net operating income to assets0.8126%2,987
Return on assets (ROA)0.8126%2,977
Pretax return on assets1.0034%2,852
Return on Equity (ROE)4.0200%3,977
Retained earnings to average equity (ytd only)2.7661%3,565
Net charge-offs to loans0.0491%1,187
Credit loss provision to net charge-offs576.9231%572
Earnings coverage of net charge-offs (x)40.1538%1,442
Efficiency ratio62.5806%2,652
Assets per employee ($millions)8.7229%1,038
Cash dividends to net income (ytd only)*31.2155%2,025
Condition Ratios (%)
Loss allowance to loans2.4728%202
Loan loss allowance to noncurrent loans52.6950%3,615
Noncurrent assets plus other real estate owned to assets2.8562%77
Noncurrent loans to loans4.6926%59
Net loans and leases to total assets59.3600%2,903
Net loans and leases to deposits74.4011%2,531
Net loans and leases to core deposits75.4779%2,903
Total domestic deposits to total assets79.7900%3,560
Equity capital to assets19.8395%288
Core capital (leverage) ratio20.2379%269
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.1248%285
Memoranda:
Average total assets$59,395,7504,236
Average earning assets$57,411,7504,188
Average equity$12,002,2503,522
Average total loans$35,303,0004,083
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3601%2,981
Cost of funding earning assets1.1779%2,057
Net interest margin3.1822%3,029
Noninterest income to average assets0.1400%4,111
Noninterest expense to average assets1.8898%3,840
Loan and lease loss provision to assets0.1700%642
Net operating income to assets0.8701%2,853
Return on assets (ROA)0.8701%2,846
Pretax return on assets1.1591%2,478
Return on Equity (ROE)4.2800%3,988
Retained earnings to average equity (ytd only)2.4070%3,622
Net charge-offs to loans0.0692%870
Credit loss provision to net charge-offs416.6667%714
Earnings coverage of net charge-offs (x)32.5833%1,511
Efficiency ratio58.7117%3,111
Assets per employee ($millions)8.3794%1,148
Cash dividends to net income (ytd only)*43.7500%1,546
Condition Ratios (%)
Loss allowance to loans2.5253%216
Loan loss allowance to noncurrent loans51.7042%3,632
Noncurrent assets plus other real estate owned to assets2.9511%73
Noncurrent loans to loans4.8840%53
Net loans and leases to total assets58.9000%2,873
Net loans and leases to deposits74.3922%2,452
Net loans and leases to core deposits75.5109%2,792
Total domestic deposits to total assets79.1700%3,696
Equity capital to assets20.4736%271
Core capital (leverage) ratio20.3353%251
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.8320%261
Memoranda:
Average total assets$58,841,0004,262
Average earning assets$56,879,3334,222
Average equity$11,965,0003,540
Average total loans$34,682,3334,104
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2348%2,963
Cost of funding earning assets1.0096%2,011
Net interest margin3.2252%3,055
Noninterest income to average assets0.1600%4,021
Noninterest expense to average assets1.8190%3,995
Loan and lease loss provision to assets0.1700%639
Net operating income to assets1.0588%2,353
Return on assets (ROA)1.0588%2,323
Pretax return on assets1.2964%2,189
Return on Equity (ROE)5.2200%3,855
Retained earnings to average equity (ytd only)5.2248%2,966
Net charge-offs to loans0.1283%511
Credit loss provision to net charge-offs227.2727%777
Earnings coverage of net charge-offs (x)19.6364%1,459
Efficiency ratio55.3719%3,472
Assets per employee ($millions)11.7730%425
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans2.5525%213
Loan loss allowance to noncurrent loans53.4684%3,679
Noncurrent assets plus other real estate owned to assets2.7673%67
Noncurrent loans to loans4.7739%62
Net loans and leases to total assets56.4900%3,005
Net loans and leases to deposits71.1638%2,531
Net loans and leases to core deposits72.2179%2,804
Total domestic deposits to total assets79.3800%3,848
Equity capital to assets20.4213%222
Core capital (leverage) ratio19.8635%268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.3987%255
Memoranda:
Average total assets$58,933,5004,318
Average earning assets$57,050,5004,274
Average equity$11,943,0003,577
Average total loans$34,302,5004,166
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9587%1,829
Cost of funding earning assets0.6571%699
Net interest margin3.3016%2,560
Noninterest income to average assets0.1200%4,342
Noninterest expense to average assets1.8852%3,864
Loan and lease loss provision to assets0.1700%670
Net operating income to assets0.8561%3,128
Return on assets (ROA)0.8561%3,064
Pretax return on assets1.2414%2,307
Return on Equity (ROE)4.2500%4,122
Retained earnings to average equity (ytd only)2.3385%3,906
Net charge-offs to loans0.2538%315
Credit loss provision to net charge-offs114.9425%1,485
Earnings coverage of net charge-offs (x)9.4828%2,223
Efficiency ratio57.1651%3,447
Assets per employee ($millions)11.8004%412
Cash dividends to net income (ytd only)*45.0000%1,645
Condition Ratios (%)
Loss allowance to loans2.4854%214
Loan loss allowance to noncurrent loans53.8655%3,668
Noncurrent assets plus other real estate owned to assets2.6965%68
Noncurrent loans to loans4.6140%64
Net loans and leases to total assets56.9900%2,916
Net loans and leases to deposits71.4422%2,454
Net loans and leases to core deposits72.0824%2,719
Total domestic deposits to total assets79.7700%3,911
Equity capital to assets20.1095%227
Core capital (leverage) ratio19.5863%274
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.2889%256
Memoranda:
Average total assets$58,403,4004,348
Average earning assets$56,154,8004,307
Average equity$11,759,8003,686
Average total loans$34,275,8004,163
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9677%1,335
Cost of funding earning assets0.6144%401
Net interest margin3.3533%2,126
Noninterest income to average assets0.1500%4,253
Noninterest expense to average assets1.7738%4,029
Loan and lease loss provision to assets0.1700%564
Net operating income to assets0.9430%2,689
Return on assets (ROA)0.9430%2,657
Pretax return on assets1.4236%1,649
Return on Equity (ROE)4.6800%4,039
Retained earnings to average equity (ytd only)3.3976%3,669
Net charge-offs to loans0.1519%429
Credit loss provision to net charge-offs192.3077%998
Earnings coverage of net charge-offs (x)17.8718%1,777
Efficiency ratio52.6495%3,960
Assets per employee ($millions)12.1746%363
Cash dividends to net income (ytd only)*27.4272%2,143
Condition Ratios (%)
Loss allowance to loans2.4703%240
Loan loss allowance to noncurrent loans45.7856%3,804
Noncurrent assets plus other real estate owned to assets3.1574%45
Noncurrent loans to loans5.3954%48
Net loans and leases to total assets57.0700%2,790
Net loans and leases to deposits71.1801%2,269
Net loans and leases to core deposits71.7934%2,499
Total domestic deposits to total assets80.1800%4,083
Equity capital to assets19.5308%231
Core capital (leverage) ratio20.2039%230
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.4802%280
Memoranda:
Average total assets$58,253,7504,387
Average earning assets$55,984,0004,349
Average equity$11,733,5003,741
Average total loans$34,224,2504,191
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9219%1,076
Cost of funding earning assets0.5992%273
Net interest margin3.3227%1,841
Noninterest income to average assets0.1429%4,304
Noninterest expense to average assets1.8020%3,949
Loan and lease loss provision to assets0.1743%509
Net operating income to assets0.8853%2,644
Return on assets (ROA)0.8853%2,616
Pretax return on assets1.3559%1,567
Return on Equity (ROE)4.3487%3,950
Retained earnings to average equity (ytd only)2.4140%3,641
Net charge-offs to loans0.2251%287
Credit loss provision to net charge-offs131.5789%1,150
Earnings coverage of net charge-offs (x)11.5526%1,728
Efficiency ratio54.0795%3,960
Assets per employee ($millions)10.0337%649
Cash dividends to net income (ytd only)*44.4882%1,546
Condition Ratios (%)
Loss allowance to loans2.5477%243
Loan loss allowance to noncurrent loans66.3052%3,669
Noncurrent assets plus other real estate owned to assets2.1444%116
Noncurrent loans to loans3.8424%97
Net loans and leases to total assets54.3886%2,921
Net loans and leases to deposits67.6774%2,412
Net loans and leases to core deposits68.2644%2,628
Total domestic deposits to total assets80.3644%4,195
Equity capital to assets19.4861%180
Core capital (leverage) ratio19.8766%198
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.2745%241
Memoranda:
Average total assets$57,380,6674,444
Average earning assets$55,076,0004,415
Average equity$11,681,6673,815
Average total loans$33,758,0004,249
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9429%858
Cost of funding earning assets0.5952%271
Net interest margin3.3478%1,449
Noninterest income to average assets0.1501%4,251
Noninterest expense to average assets1.7652%4,021
Loan and lease loss provision to assets0.1787%427
Net operating income to assets0.9577%2,041
Return on assets (ROA)0.9577%2,036
Pretax return on assets1.4222%1,196
Return on Equity (ROE)4.5981%3,732
Retained earnings to average equity (ytd only)4.5981%2,740
Net charge-offs to loans-0.0355%4,148
Credit loss provision to net charge-offs-833.3333%3,241
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.4416%4,167
Assets per employee ($millions)9.4823%777
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.6628%240
Loan loss allowance to noncurrent loans97.3214%3,413
Noncurrent assets plus other real estate owned to assets1.5749%224
Noncurrent loans to loans2.7360%207
Net loans and leases to total assets56.0270%2,523
Net loans and leases to deposits70.7711%1,884
Net loans and leases to core deposits71.4292%2,163
Total domestic deposits to total assets79.1665%4,341
Equity capital to assets20.6067%148
Core capital (leverage) ratio20.2236%160
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio30.5351%214
Memoranda:
Average total assets$55,970,0004,482
Average earning assets$53,767,0004,445
Average equity$11,657,0003,891
Average total loans$33,837,5004,265
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7164%411
Cost of funding earning assets0.6474%424
Net interest margin4.0690%627
Noninterest income to average assets0.1496%4,401
Noninterest expense to average assets1.8149%4,116
Loan and lease loss provision to assets0.1846%614
Net operating income to assets1.7466%574
Return on assets (ROA)1.7466%596
Pretax return on assets2.0605%543
Return on Equity (ROE)8.3803%3,112
Retained earnings to average equity (ytd only)6.3871%2,181
Net charge-offs to loans-0.0236%4,036
Credit loss provision to net charge-offs-1,111.1111%3,944
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.7021%4,546
Assets per employee ($millions)9.1743%868
Cash dividends to net income (ytd only)*23.7844%2,856
Condition Ratios (%)
Loss allowance to loans2.4165%312
Loan loss allowance to noncurrent loans187.9733%2,686
Noncurrent assets plus other real estate owned to assets0.8157%734
Noncurrent loans to loans1.2855%741
Net loans and leases to total assets61.9173%1,951
Net loans and leases to deposits78.8101%1,318
Net loans and leases to core deposits79.5718%1,634
Total domestic deposits to total assets78.5652%4,350
Equity capital to assets21.0551%152
Core capital (leverage) ratio20.6290%154
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.8525%241
Memoranda:
Average total assets$54,162,4004,516
Average earning assets$52,052,6004,487
Average equity$11,288,4004,007
Average total loans$38,208,8004,227
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8673%369
Cost of funding earning assets0.6572%482
Net interest margin4.2101%535
Noninterest income to average assets0.1483%4,452
Noninterest expense to average assets1.5918%4,474
Loan and lease loss provision to assets0.1854%571
Net operating income to assets1.8538%611
Return on assets (ROA)1.8538%633
Pretax return on assets2.4248%377
Return on Equity (ROE)8.9180%3,130
Retained earnings to average equity (ytd only)7.5744%2,190
Net charge-offs to loans-0.0239%4,042
Credit loss provision to net charge-offs-1,071.4286%3,870
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.8824%4,768
Assets per employee ($millions)9.2350%824
Cash dividends to net income (ytd only)*15.0667%2,774
Condition Ratios (%)
Loss allowance to loans2.2263%436
Loan loss allowance to noncurrent loans530.5195%1,305
Noncurrent assets plus other real estate owned to assets0.2779%2,390
Noncurrent loans to loans0.4196%2,304
Net loans and leases to total assets64.7555%1,684
Net loans and leases to deposits82.4509%1,070
Net loans and leases to core deposits82.4509%1,538
Total domestic deposits to total assets78.5382%4,372
Equity capital to assets20.7652%161
Core capital (leverage) ratio20.4413%166
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.6343%284
Memoranda:
Average total assets$53,941,5004,583
Average earning assets$51,937,2504,549
Average equity$11,213,0004,066
Average total loans$39,029,2504,275
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1617%268
Cost of funding earning assets0.6812%504
Net interest margin4.4805%364
Noninterest income to average assets0.1459%4,468
Noninterest expense to average assets1.5079%4,614
Loan and lease loss provision to assets0.1871%605
Net operating income to assets2.0991%408
Return on assets (ROA)2.0991%426
Pretax return on assets2.7576%240
Return on Equity (ROE)10.0942%2,709
Retained earnings to average equity (ytd only)8.0609%2,050
Net charge-offs to loans-0.0301%4,156
Credit loss provision to net charge-offs-833.3333%3,598
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.8655%4,875
Assets per employee ($millions)14.1435%231
Cash dividends to net income (ytd only)*20.1426%2,507
Condition Ratios (%)
Loss allowance to loans2.0917%512
Loan loss allowance to noncurrent loans725.6881%946
Noncurrent assets plus other real estate owned to assets0.1927%2,991
Noncurrent loans to loans0.2882%2,895
Net loans and leases to total assets65.4470%1,762
Net loans and leases to deposits82.4137%1,188
Net loans and leases to core deposits82.4137%1,688
Total domestic deposits to total assets79.4128%4,301
Equity capital to assets20.0039%187
Core capital (leverage) ratio20.2346%170
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.1068%298
Memoranda:
Average total assets$53,452,0004,617
Average earning assets$51,378,3334,582
Average equity$11,115,3334,088
Average total loans$39,806,3334,284
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3805%216
Cost of funding earning assets0.7571%433
Net interest margin4.6233%306
Noninterest income to average assets0.1542%4,431
Noninterest expense to average assets1.4184%4,725
Loan and lease loss provision to assets0.1927%639
Net operating income to assets2.2432%386
Return on assets (ROA)2.2432%420
Pretax return on assets2.9678%240
Return on Equity (ROE)10.5679%2,507
Retained earnings to average equity (ytd only)10.5679%1,498
Net charge-offs to loans-0.0392%4,300
Credit loss provision to net charge-offs-625.0000%3,233
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.9764%4,903
Assets per employee ($millions)13.4863%255
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.8593%785
Loan loss allowance to noncurrent loans931.7073%716
Noncurrent assets plus other real estate owned to assets0.1520%3,404
Noncurrent loans to loans0.1996%3,392
Net loans and leases to total assets74.7558%740
Net loans and leases to deposits95.4305%428
Net loans and leases to core deposits95.4305%909
Total domestic deposits to total assets78.3353%4,406
Equity capital to assets20.6877%161
Core capital (leverage) ratio20.7085%162
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.4206%343
Memoranda:
Average total assets$51,891,0004,652
Average earning assets$49,661,0004,624
Average equity$11,014,5004,108
Average total loans$40,801,0004,286
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8243%704
Cost of funding earning assets0.9287%769
Net interest margin3.8957%1,222
Noninterest income to average assets0.1278%4,640
Noninterest expense to average assets2.1630%3,776
Loan and lease loss provision to assets0.2029%1,934
Net operating income to assets1.1647%1,665
Return on assets (ROA)1.1647%1,782
Pretax return on assets1.4731%1,430
Return on Equity (ROE)5.3467%3,799
Retained earnings to average equity (ytd only)3.3626%3,146
Net charge-offs to loans0.0627%1,882
Credit loss provision to net charge-offs416.6667%1,393
Earnings coverage of net charge-offs (x)34.4167%1,490
Efficiency ratio56.3425%3,945
Assets per employee ($millions)8.3062%936
Cash dividends to net income (ytd only)*37.1080%2,498
Condition Ratios (%)
Loss allowance to loans1.8143%831
Loan loss allowance to noncurrent loans465.1899%1,204
Noncurrent assets plus other real estate owned to assets0.3170%2,726
Noncurrent loans to loans0.3900%2,813
Net loans and leases to total assets79.8122%443
Net loans and leases to deposits103.1910%277
Net loans and leases to core deposits103.1910%760
Total domestic deposits to total assets77.3441%4,380
Equity capital to assets21.8091%142
Core capital (leverage) ratio21.1414%148
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.0899%349
Memoranda:
Average total assets$49,283,2004,663
Average earning assets$46,949,4004,637
Average equity$10,735,6004,117
Average total loans$38,274,8004,347
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7650%933
Cost of funding earning assets0.9530%897
Net interest margin3.8120%1,586
Noninterest income to average assets0.1194%4,687
Noninterest expense to average assets1.9642%4,225
Loan and lease loss provision to assets0.2035%1,968
Net operating income to assets1.2100%1,611
Return on assets (ROA)1.2100%1,734
Pretax return on assets1.5871%1,220
Return on Equity (ROE)5.5563%3,702
Retained earnings to average equity (ytd only)4.3105%2,891
Net charge-offs to loans0.0848%1,462
Credit loss provision to net charge-offs312.5000%1,724
Earnings coverage of net charge-offs (x)27.5000%1,661
Efficiency ratio52.3121%4,312
Assets per employee ($millions)8.5157%839
Cash dividends to net income (ytd only)*22.4215%2,683
Condition Ratios (%)
Loss allowance to loans1.7868%749
Loan loss allowance to noncurrent loans142.0000%2,796
Noncurrent assets plus other real estate owned to assets0.9786%1,141
Noncurrent loans to loans1.2583%1,191
Net loans and leases to total assets76.3788%1,049
Net loans and leases to deposits98.2676%610
Net loans and leases to core deposits99.5739%1,186
Total domestic deposits to total assets77.7254%4,239
Equity capital to assets21.2432%166
Core capital (leverage) ratio21.2682%159
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.1041%328
Memoranda:
Average total assets$49,144,7504,685
Average earning assets$46,868,0004,654
Average equity$10,702,2504,126
Average total loans$37,715,7504,377
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7832%1,212
Cost of funding earning assets1.0017%983
Net interest margin3.7814%1,884
Noninterest income to average assets0.0907%4,809
Noninterest expense to average assets1.6620%4,720
Loan and lease loss provision to assets0.2062%1,990
Net operating income to assets1.3940%1,128
Return on assets (ROA)1.3940%1,219
Pretax return on assets1.8187%784
Return on Equity (ROE)6.3464%3,381
Retained earnings to average equity (ytd only)4.4688%2,721
Net charge-offs to loans0.1350%1,039
Credit loss provision to net charge-offs200.0000%1,910
Earnings coverage of net charge-offs (x)19.6400%1,711
Efficiency ratio45.0783%4,770
Assets per employee ($millions)10.0640%487
Cash dividends to net income (ytd only)*29.5858%2,384
Condition Ratios (%)
Loss allowance to loans1.7537%727
Loan loss allowance to noncurrent loans71.5481%3,689
Noncurrent assets plus other real estate owned to assets2.0012%353
Noncurrent loans to loans2.4510%486
Net loans and leases to total assets76.1526%1,113
Net loans and leases to deposits98.0402%655
Net loans and leases to core deposits99.3621%1,306
Total domestic deposits to total assets77.6749%4,232
Equity capital to assets21.3553%165
Core capital (leverage) ratio21.8171%152
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.1673%329
Memoranda:
Average total assets$48,495,0004,711
Average earning assets$46,120,0004,685
Average equity$10,651,6674,145
Average total loans$37,042,6674,407
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8209%1,370
Cost of funding earning assets1.0723%1,131
Net interest margin3.7486%2,149
Noninterest income to average assets0.1597%4,576
Noninterest expense to average assets1.5048%4,920
Loan and lease loss provision to assets0.2102%1,458
Net operating income to assets1.6224%593
Return on assets (ROA)1.6224%654
Pretax return on assets2.0007%446
Return on Equity (ROE)7.2799%2,840
Retained earnings to average equity (ytd only)7.2799%1,450
Net charge-offs to loans0.0222%1,922
Credit loss provision to net charge-offs1,250.0000%485
Earnings coverage of net charge-offs (x)131.5000%474
Efficiency ratio40.4977%4,973
Assets per employee ($millions)9.6982%423
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.8654%646
Loan loss allowance to noncurrent loans115.3976%3,013
Noncurrent assets plus other real estate owned to assets1.2765%927
Noncurrent loans to loans1.6165%959
Net loans and leases to total assets73.9910%1,605
Net loans and leases to deposits96.4411%866
Net loans and leases to core deposits97.8003%1,649
Total domestic deposits to total assets76.7215%4,389
Equity capital to assets22.0680%172
Core capital (leverage) ratio22.2321%164
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.8079%311
Memoranda:
Average total assets$47,582,5004,749
Average earning assets$45,137,0004,719
Average equity$10,604,5004,163
Average total loans$36,062,0004,450
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0234%1,416
Cost of funding earning assets1.0370%1,572
Net interest margin3.9864%1,892
Noninterest income to average assets0.1175%4,868
Noninterest expense to average assets2.0529%4,446
Loan and lease loss provision to assets0.2217%875
Net operating income to assets1.2570%1,843
Return on assets (ROA)1.2570%1,927
Pretax return on assets1.6184%1,433
Return on Equity (ROE)5.4667%4,076
Retained earnings to average equity (ytd only)3.6638%3,162
Net charge-offs to loans0.2344%873
Credit loss provision to net charge-offs119.0476%2,127
Earnings coverage of net charge-offs (x)9.8810%2,620
Efficiency ratio52.7335%4,550
Assets per employee ($millions)9.3348%445
Cash dividends to net income (ytd only)*32.9806%2,944
Condition Ratios (%)
Loss allowance to loans1.8530%599
Loan loss allowance to noncurrent loans194.9704%2,137
Noncurrent assets plus other real estate owned to assets0.7242%1,792
Noncurrent loans to loans0.9504%1,612
Net loans and leases to total assets74.7825%1,618
Net loans and leases to deposits98.0697%757
Net loans and leases to core deposits99.5096%1,604
Total domestic deposits to total assets76.2544%4,573
Equity capital to assets22.5136%166
Core capital (leverage) ratio22.2020%169
Tier 1 risk-based capital ratio27.5996%584
Total risk-based capital ratio28.8551%572
Memoranda:
Average total assets$45,106,2004,830
Average earning assets$42,719,8004,804
Average equity$10,371,8004,191
Average total loans$35,828,6004,508
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0117%1,503
Cost of funding earning assets1.0068%1,732
Net interest margin4.0050%1,918
Noninterest income to average assets0.2087%4,473
Noninterest expense to average assets1.7801%4,843
Loan and lease loss provision to assets0.2236%770
Net operating income to assets1.4849%1,229
Return on assets (ROA)1.4849%1,287
Pretax return on assets2.0008%684
Return on Equity (ROE)6.4229%3,912
Retained earnings to average equity (ytd only)5.3009%2,731
Net charge-offs to loans0.3157%549
Credit loss provision to net charge-offs88.2353%2,412
Earnings coverage of net charge-offs (x)8.7765%2,630
Efficiency ratio44.4527%4,994
Assets per employee ($millions)9.3894%420
Cash dividends to net income (ytd only)*17.4704%3,136
Condition Ratios (%)
Loss allowance to loans1.6962%832
Loan loss allowance to noncurrent loans184.0116%2,224
Noncurrent assets plus other real estate owned to assets0.8478%1,617
Noncurrent loans to loans0.9218%1,738
Net loans and leases to total assets78.1413%1,114
Net loans and leases to deposits102.6642%467
Net loans and leases to core deposits104.1566%1,313
Total domestic deposits to total assets76.1135%4,642
Equity capital to assets22.4487%172
Core capital (leverage) ratio22.4588%166
Tier 1 risk-based capital ratio27.1666%627
Total risk-based capital ratio28.4219%613
Memoranda:
Average total assets$44,714,2504,902
Average earning assets$42,379,5004,877
Average equity$10,337,7504,241
Average total loans$35,895,0004,564
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9041%1,741
Cost of funding earning assets0.9309%2,008
Net interest margin3.9732%2,005
Noninterest income to average assets0.2183%4,438
Noninterest expense to average assets1.7194%4,959
Loan and lease loss provision to assets0.2274%721
Net operating income to assets1.5010%1,146
Return on assets (ROA)1.5010%1,196
Pretax return on assets2.0378%631
Return on Equity (ROE)6.4261%3,899
Retained earnings to average equity (ytd only)4.7319%2,896
Net charge-offs to loans0.4856%325
Credit loss provision to net charge-offs58.1395%2,415
Earnings coverage of net charge-offs (x)5.7907%2,616
Efficiency ratio43.1507%5,091
Assets per employee ($millions)9.3714%409
Cash dividends to net income (ytd only)*26.3636%2,790
Condition Ratios (%)
Loss allowance to loans1.6505%922
Loan loss allowance to noncurrent loans97.7456%3,369
Noncurrent assets plus other real estate owned to assets1.4149%833
Noncurrent loans to loans1.6886%905
Net loans and leases to total assets77.1902%1,357
Net loans and leases to deposits100.8392%617
Net loans and leases to core deposits102.2908%1,528
Total domestic deposits to total assets76.5478%4,617
Equity capital to assets22.1333%174
Core capital (leverage) ratio22.6031%158
Tier 1 risk-based capital ratio26.9783%623
Total risk-based capital ratio28.2321%609
Memoranda:
Average total assets$43,970,0004,953
Average earning assets$41,679,0004,933
Average equity$10,270,6704,265
Average total loans$35,420,6704,611
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8608%1,725
Cost of funding earning assets0.7885%2,600
Net interest margin4.0723%1,629
Noninterest income to average assets0.1881%4,625
Noninterest expense to average assets1.5614%5,127
Loan and lease loss provision to assets0.2351%640
Net operating income to assets1.7401%674
Return on assets (ROA)1.7401%697
Pretax return on assets2.2292%420
Return on Equity (ROE)7.2404%3,576
Retained earnings to average equity (ytd only)7.2404%1,953
Net charge-offs to loans0.2763%535
Credit loss provision to net charge-offs104.1667%1,537
Earnings coverage of net charge-offs (x)10.9167%1,939
Efficiency ratio38.7850%5,230
Assets per employee ($millions)8.5848%544
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.8200%681
Loan loss allowance to noncurrent loans126.0274%2,981
Noncurrent assets plus other real estate owned to assets1.3349%960
Noncurrent loans to loans1.4441%1,118
Net loans and leases to total assets80.9361%718
Net loans and leases to deposits112.8467%164
Net loans and leases to core deposits114.7363%698
Total domestic deposits to total assets71.7221%5,054
Equity capital to assets24.0262%129
Core capital (leverage) ratio24.2790%126
Tier 1 risk-based capital ratio28.0009%558
Total risk-based capital ratio29.2580%542
Memoranda:
Average total assets$42,526,5005,022
Average earning assets$40,076,0005,001
Average equity$10,220,5004,295
Average total loans$34,743,0004,676
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0576%934
Cost of funding earning assets0.7075%2,046
Net interest margin4.3501%1,038
Noninterest income to average assets0.2451%4,452
Noninterest expense to average assets2.4773%3,679
Loan and lease loss provision to assets0.2380%747
Net operating income to assets1.3041%1,782
Return on assets (ROA)1.3041%1,770
Pretax return on assets1.6563%1,293
Return on Equity (ROE)5.4759%4,334
Retained earnings to average equity (ytd only)3.7272%3,523
Net charge-offs to loans0.0358%2,685
Credit loss provision to net charge-offs833.3333%431
Earnings coverage of net charge-offs (x)66.3333%962
Efficiency ratio56.6685%4,324
Assets per employee ($millions)8.4258%571
Cash dividends to net income (ytd only)*31.9343%2,954
Condition Ratios (%)
Loss allowance to loans1.8856%587
Loan loss allowance to noncurrent loans206.0897%2,185
Noncurrent assets plus other real estate owned to assets0.8877%1,571
Noncurrent loans to loans0.9149%1,754
Net loans and leases to total assets79.4180%1,034
Net loans and leases to deposits109.8280%258
Net loans and leases to core deposits111.6756%896
Total domestic deposits to total assets72.3112%5,056
Equity capital to assets24.0404%124
Core capital (leverage) ratio23.3203%138
Tier 1 risk-based capital ratio27.7305%581
Total risk-based capital ratio28.9872%568
Memoranda:
Average total assets$42,022,4005,072
Average earning assets$39,861,0005,047
Average equity$10,007,4004,296
Average total loans$33,518,6004,733
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9365%1,080
Cost of funding earning assets0.6676%2,048
Net interest margin4.2690%1,186
Noninterest income to average assets0.2540%4,453
Noninterest expense to average assets1.9271%4,864
Loan and lease loss provision to assets0.2381%675
Net operating income to assets1.6446%852
Return on assets (ROA)1.6446%863
Pretax return on assets2.1494%433
Return on Equity (ROE)6.9222%3,959
Retained earnings to average equity (ytd only)5.7596%2,786
Net charge-offs to loans0.0519%2,088
Credit loss provision to net charge-offs576.9231%620
Earnings coverage of net charge-offs (x)57.8557%1,077
Efficiency ratio44.6652%5,199
Assets per employee ($millions)8.5606%519
Cash dividends to net income (ytd only)*16.7958%3,137
Condition Ratios (%)
Loss allowance to loans1.7267%827
Loan loss allowance to noncurrent loans100.8170%3,440
Noncurrent assets plus other real estate owned to assets1.4298%925
Noncurrent loans to loans1.7127%910
Net loans and leases to total assets82.0410%710
Net loans and leases to deposits110.1471%282
Net loans and leases to core deposits112.8116%876
Total domestic deposits to total assets74.4831%4,937
Equity capital to assets23.7974%129
Core capital (leverage) ratio23.9108%125
Tier 1 risk-based capital ratio27.3641%604
Total risk-based capital ratio28.6186%596
Memoranda:
Average total assets$41,995,7505,138
Average earning assets$39,946,0005,112
Average equity$9,977,2504,337
Average total loans$33,373,0004,786
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9223%968
Cost of funding earning assets0.6374%2,004
Net interest margin4.2848%1,064
Noninterest income to average assets0.2684%4,390
Noninterest expense to average assets1.8405%5,047
Loan and lease loss provision to assets0.2397%657
Net operating income to assets1.7303%681
Return on assets (ROA)1.7303%682
Pretax return on assets2.2480%357
Return on Equity (ROE)7.2873%3,798
Retained earnings to average equity (ytd only)5.5109%2,817
Net charge-offs to loans0.1228%1,195
Credit loss provision to net charge-offs250.0000%1,136
Earnings coverage of net charge-offs (x)25.9500%1,618
Efficiency ratio42.5249%5,327
Assets per employee ($millions)8.5070%521
Cash dividends to net income (ytd only)*24.3767%2,840
Condition Ratios (%)
Loss allowance to loans1.7161%879
Loan loss allowance to noncurrent loans194.3522%2,304
Noncurrent assets plus other real estate owned to assets0.7077%2,111
Noncurrent loans to loans0.8830%1,962
Net loans and leases to total assets78.7681%1,196
Net loans and leases to deposits104.3933%509
Net loans and leases to core deposits104.3933%1,364
Total domestic deposits to total assets75.4532%4,909
Equity capital to assets23.5759%132
Core capital (leverage) ratio23.6884%130
Tier 1 risk-based capital ratio27.9106%560
Total risk-based capital ratio29.1659%554
Memoranda:
Average total assets$41,726,6705,193
Average earning assets$39,534,6705,171
Average equity$9,907,6704,392
Average total loans$32,586,3304,851
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8634%945
Cost of funding earning assets0.6450%1,749
Net interest margin4.2183%1,138
Noninterest income to average assets0.2130%4,732
Noninterest expense to average assets1.6650%5,274
Loan and lease loss provision to assets0.2420%629
Net operating income to assets1.7811%587
Return on assets (ROA)1.7811%595
Pretax return on assets2.2941%324
Return on Equity (ROE)7.4740%3,602
Retained earnings to average equity (ytd only)7.4740%2,064
Net charge-offs to loans0.0126%2,303
Credit loss provision to net charge-offs2,500.0000%147
Earnings coverage of net charge-offs (x)262.0000%261
Efficiency ratio39.6313%5,466
Assets per employee ($millions)8.3988%546
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7819%815
Loan loss allowance to noncurrent loans187.3786%2,373
Noncurrent assets plus other real estate owned to assets0.7358%2,103
Noncurrent loans to loans0.9510%1,919
Net loans and leases to total assets75.9966%1,545
Net loans and leases to deposits100.9138%644
Net loans and leases to core deposits100.9138%1,620
Total domestic deposits to total assets75.3084%5,039
Equity capital to assets23.6677%126
Core capital (leverage) ratio23.9183%122
Tier 1 risk-based capital ratio28.5259%536
Total risk-based capital ratio29.7802%530
Memoranda:
Average total assets$41,322,5005,261
Average earning assets$39,067,5005,235
Average equity$9,847,5004,450
Average total loans$31,835,0004,925
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7980%980
Cost of funding earning assets0.6021%1,583
Net interest margin4.1960%1,195
Noninterest income to average assets0.2334%4,735
Noninterest expense to average assets2.1135%4,733
Loan and lease loss provision to assets0.2510%742
Net operating income to assets1.4157%982
Return on assets (ROA)1.4157%1,003
Pretax return on assets1.8574%671
Return on Equity (ROE)5.9032%3,802
Retained earnings to average equity (ytd only)4.6576%2,349
Net charge-offs to loans0.3273%776
Credit loss provision to net charge-offs100.0000%2,558
Earnings coverage of net charge-offs (x)8.4000%2,919
Efficiency ratio50.0595%5,214
Assets per employee ($millions)8.1302%611
Cash dividends to net income (ytd only)*21.0993%3,638
Condition Ratios (%)
Loss allowance to loans1.7802%808
Loan loss allowance to noncurrent loans188.7755%2,390
Noncurrent assets plus other real estate owned to assets0.7232%2,159
Noncurrent loans to loans0.9430%1,889
Net loans and leases to total assets75.3290%1,708
Net loans and leases to deposits100.4956%692
Net loans and leases to core deposits100.4956%1,674
Total domestic deposits to total assets74.9576%5,100
Equity capital to assets23.9994%116
Core capital (leverage) ratio23.1606%120
Tier 1 risk-based capital ratio28.3856%524
Total risk-based capital ratio29.6398%517
Memoranda:
Average total assets$39,840,0005,331
Average earning assets$37,869,6005,308
Average equity$9,554,2004,516
Average total loans$30,549,4005,012
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8025%926
Cost of funding earning assets0.5752%1,709
Net interest margin4.2273%1,090
Noninterest income to average assets0.2388%4,775
Noninterest expense to average assets1.8534%5,196
Loan and lease loss provision to assets0.2523%687
Net operating income to assets1.4262%1,032
Return on assets (ROA)1.4262%1,058
Pretax return on assets2.1629%393
Return on Equity (ROE)5.9484%4,148
Retained earnings to average equity (ytd only)5.3311%2,663
Net charge-offs to loans-0.1536%5,482
Credit loss provision to net charge-offs-214.2857%4,642
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.4200%5,500
Assets per employee ($millions)8.3988%540
Cash dividends to net income (ytd only)*10.3782%3,459
Condition Ratios (%)
Loss allowance to loans2.0433%528
Loan loss allowance to noncurrent loans111.2040%3,338
Noncurrent assets plus other real estate owned to assets1.4240%1,089
Noncurrent loans to loans1.8375%963
Net loans and leases to total assets75.9156%1,600
Net loans and leases to deposits100.3589%720
Net loans and leases to core deposits100.3589%1,675
Total domestic deposits to total assets75.6441%5,061
Equity capital to assets23.0795%129
Core capital (leverage) ratio22.7812%132
Tier 1 risk-based capital ratio28.1563%558
Total risk-based capital ratio29.4145%546
Memoranda:
Average total assets$39,637,2505,390
Average earning assets$37,785,2505,365
Average equity$9,503,7504,575
Average total loans$30,392,5005,066
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7412%981
Cost of funding earning assets0.5298%1,919
Net interest margin4.2114%1,058
Noninterest income to average assets0.2368%4,823
Noninterest expense to average assets1.7245%5,390
Loan and lease loss provision to assets0.2574%645
Net operating income to assets1.5237%826
Return on assets (ROA)1.5237%847
Pretax return on assets2.2650%317
Return on Equity (ROE)6.2705%3,920
Retained earnings to average equity (ytd only)5.3384%2,507
Net charge-offs to loans-0.0135%4,631
Credit loss provision to net charge-offs-2,500.0000%4,978
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.6061%5,615
Assets per employee ($millions)8.5900%486
Cash dividends to net income (ytd only)*14.8649%3,276
Condition Ratios (%)
Loss allowance to loans1.9253%690
Loan loss allowance to noncurrent loans126.4583%3,115
Noncurrent assets plus other real estate owned to assets1.2107%1,404
Noncurrent loans to loans1.5225%1,230
Net loans and leases to total assets71.9930%2,204
Net loans and leases to deposits93.1299%1,351
Net loans and leases to core deposits93.1299%2,234
Total domestic deposits to total assets77.3038%4,913
Equity capital to assets22.2701%141
Core capital (leverage) ratio23.5658%120
Tier 1 risk-based capital ratio28.5719%522
Total risk-based capital ratio29.8297%509
Memoranda:
Average total assets$38,851,6705,448
Average earning assets$36,995,0005,419
Average equity$9,441,0004,600
Average total loans$29,675,0005,127
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7164%913
Cost of funding earning assets0.4568%2,463
Net interest margin4.2596%871
Noninterest income to average assets0.2500%4,746
Noninterest expense to average assets1.7716%5,414
Loan and lease loss provision to assets0.2717%533
Net operating income to assets1.4238%950
Return on assets (ROA)1.4238%976
Pretax return on assets2.2607%322
Return on Equity (ROE)5.5869%4,100
Retained earnings to average equity (ytd only)5.5869%2,547
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.1616%5,665
Assets per employee ($millions)7.4138%781
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.9972%672
Loan loss allowance to noncurrent loans122.1053%3,235
Noncurrent assets plus other real estate owned to assets1.3893%1,205
Noncurrent loans to loans1.6356%1,187
Net loans and leases to total assets76.7784%1,293
Net loans and leases to deposits109.9220%218
Net loans and leases to core deposits109.9220%881
Total domestic deposits to total assets69.8481%5,636
Equity capital to assets25.4768%95
Core capital (leverage) ratio25.9318%91
Tier 1 risk-based capital ratio30.0966%476
Total risk-based capital ratio31.3526%476
Memoranda:
Average total assets$36,802,5005,549
Average earning assets$35,027,0005,514
Average equity$9,379,0004,643
Average total loans$28,748,5005,201
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2215%402
Cost of funding earning assets0.4759%2,300
Net interest margin4.7455%389
Noninterest income to average assets0.2473%4,942
Noninterest expense to average assets2.3511%4,416
Loan and lease loss provision to assets0.2660%762
Net operating income to assets1.4788%870
Return on assets (ROA)1.4788%892
Pretax return on assets2.1650%350
Return on Equity (ROE)6.0982%3,929
Retained earnings to average equity (ytd only)5.1440%2,247
Net charge-offs to loans0.2083%1,336
Credit loss provision to net charge-offs166.6667%1,656
Earnings coverage of net charge-offs (x)15.2333%2,219
Efficiency ratio49.1657%5,522
Assets per employee ($millions)7.3072%801
Cash dividends to net income (ytd only)*15.6475%3,870
Condition Ratios (%)
Loss allowance to loans1.9504%727
Loan loss allowance to noncurrent loans165.6716%2,611
Noncurrent assets plus other real estate owned to assets1.0264%1,847
Noncurrent loans to loans1.1773%1,745
Net loans and leases to total assets76.3658%1,458
Net loans and leases to deposits109.5876%238
Net loans and leases to core deposits109.5876%926
Total domestic deposits to total assets69.6847%5,677
Equity capital to assets25.4927%94
Core capital (leverage) ratio24.7245%104
Tier 1 risk-based capital ratio29.9068%481
Total risk-based capital ratio31.1629%480
Memoranda:
Average total assets$37,599,0005,580
Average earning assets$35,928,6005,543
Average equity$9,117,4004,737
Average total loans$28,809,8005,233
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3208%354
Cost of funding earning assets0.4710%2,356
Net interest margin4.8498%329
Noninterest income to average assets0.2430%5,020
Noninterest expense to average assets2.0317%5,143
Loan and lease loss provision to assets0.2641%687
Net operating income to assets1.7148%576
Return on assets (ROA)1.7148%610
Pretax return on assets2.5881%193
Return on Equity (ROE)7.1604%3,473
Retained earnings to average equity (ytd only)6.5134%1,905
Net charge-offs to loans-0.0415%5,299
Credit loss provision to net charge-offs-833.3333%5,182
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.6006%5,794
Assets per employee ($millions)7.6650%678
Cash dividends to net income (ytd only)*9.0356%3,574
Condition Ratios (%)
Loss allowance to loans2.0024%722
Loan loss allowance to noncurrent loans158.0475%2,682
Noncurrent assets plus other real estate owned to assets0.9889%2,095
Noncurrent loans to loans1.2670%1,771
Net loans and leases to total assets76.4905%1,440
Net loans and leases to deposits109.7365%265
Net loans and leases to core deposits109.7365%933
Total domestic deposits to total assets69.7038%5,715
Equity capital to assets24.2374%119
Core capital (leverage) ratio24.0893%112
Tier 1 risk-based capital ratio29.2271%516
Total risk-based capital ratio30.4864%512
Memoranda:
Average total assets$37,864,7505,635
Average earning assets$36,234,0005,594
Average equity$9,068,2504,795
Average total loans$28,898,2505,281
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5564%234
Cost of funding earning assets0.4704%2,368
Net interest margin5.0860%217
Noninterest income to average assets0.2387%5,057
Noninterest expense to average assets2.0312%5,207
Loan and lease loss provision to assets0.2652%702
Net operating income to assets1.8721%415
Return on assets (ROA)1.8721%437
Pretax return on assets2.8161%140
Return on Equity (ROE)7.8491%3,062
Retained earnings to average equity (ytd only)6.8707%1,684
Net charge-offs to loans-0.0420%5,294
Credit loss provision to net charge-offs-833.3333%5,049
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.7303%5,912
Assets per employee ($millions)7.9090%588
Cash dividends to net income (ytd only)*12.4646%3,416
Condition Ratios (%)
Loss allowance to loans2.0001%735
Loan loss allowance to noncurrent loans157.3003%2,766
Noncurrent assets plus other real estate owned to assets0.9179%2,321
Noncurrent loans to loans1.2715%1,787
Net loans and leases to total assets70.7472%2,359
Net loans and leases to deposits92.9221%1,404
Net loans and leases to core deposits92.9221%2,266
Total domestic deposits to total assets76.1360%5,269
Equity capital to assets23.1534%129
Core capital (leverage) ratio23.2824%113
Tier 1 risk-based capital ratio30.0266%494
Total risk-based capital ratio31.2834%490
Memoranda:
Average total assets$37,711,3305,710
Average earning assets$36,138,6705,660
Average equity$8,994,6704,844
Average total loans$28,559,6705,351
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6565%1,133
Cost of funding earning assets0.4758%2,320
Net interest margin4.1807%1,143
Noninterest income to average assets0.2609%4,864
Noninterest expense to average assets1.8372%5,604
Loan and lease loss provision to assets0.2718%620
Net operating income to assets1.4567%925
Return on assets (ROA)1.4567%969
Pretax return on assets2.1634%410
Return on Equity (ROE)6.0130%3,979
Retained earnings to average equity (ytd only)6.0130%2,366
Net charge-offs to loans-0.0700%5,496
Credit loss provision to net charge-offs-500.0000%4,551
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.0025%5,892
Assets per employee ($millions)7.4312%732
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.9108%955
Loan loss allowance to noncurrent loans28.1363%5,324
Noncurrent assets plus other real estate owned to assets5.2132%153
Noncurrent loans to loans6.7912%109
Net loans and leases to total assets75.2960%1,504
Net loans and leases to deposits102.8793%471
Net loans and leases to core deposits102.8793%1,273
Total domestic deposits to total assets73.1887%5,680
Equity capital to assets24.1711%109
Core capital (leverage) ratio24.1959%103
Tier 1 risk-based capital ratio28.0241%608
Total risk-based capital ratio29.2793%592
Memoranda:
Average total assets$36,794,5005,781
Average earning assets$35,305,5005,738
Average equity$8,914,0004,883
Average total loans$28,565,5005,395
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8450%858
Cost of funding earning assets0.4732%2,412
Net interest margin4.3719%844
Noninterest income to average assets0.2580%5,048
Noninterest expense to average assets2.3055%4,773
Loan and lease loss provision to assets0.2716%676
Net operating income to assets1.2790%1,324
Return on assets (ROA)1.2790%1,366
Pretax return on assets1.8710%692
Return on Equity (ROE)5.4419%4,311
Retained earnings to average equity (ytd only)4.8642%2,519
Net charge-offs to loans-0.0109%5,127
Credit loss provision to net charge-offs-3,333.3333%5,694
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.8315%5,643
Assets per employee ($millions)7.2866%789
Cash dividends to net income (ytd only)*10.6157%4,070
Condition Ratios (%)
Loss allowance to loans1.8001%1,132
Loan loss allowance to noncurrent loans29.2281%5,346
Noncurrent assets plus other real estate owned to assets4.8363%184
Noncurrent loans to loans6.1589%134
Net loans and leases to total assets77.1114%1,236
Net loans and leases to deposits109.6736%250
Net loans and leases to core deposits109.6736%870
Total domestic deposits to total assets70.3099%5,879
Equity capital to assets24.2829%108
Core capital (leverage) ratio23.5277%107
Tier 1 risk-based capital ratio27.3022%643
Total risk-based capital ratio28.5560%626
Memoranda:
Average total assets$36,825,0005,832
Average earning assets$35,293,8005,781
Average equity$8,655,0004,921
Average total loans$27,645,2005,454
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8433%865
Cost of funding earning assets0.4715%2,483
Net interest margin4.3718%841
Noninterest income to average assets0.2564%5,107
Noninterest expense to average assets2.1594%5,144
Loan and lease loss provision to assets0.2708%595
Net operating income to assets1.3144%1,296
Return on assets (ROA)1.3144%1,356
Pretax return on assets2.0113%589
Return on Equity (ROE)5.6387%4,339
Retained earnings to average equity (ytd only)5.2514%2,751
Net charge-offs to loans0.0146%3,667
Credit loss provision to net charge-offs2,500.0000%142
Earnings coverage of net charge-offs (x)210.6625%345
Efficiency ratio48.6179%5,842
Assets per employee ($millions)7.4484%708
Cash dividends to net income (ytd only)*6.8676%3,658
Condition Ratios (%)
Loss allowance to loans1.6931%1,488
Loan loss allowance to noncurrent loans26.6667%5,493
Noncurrent assets plus other real estate owned to assets4.8735%207
Noncurrent loans to loans6.3493%121
Net loans and leases to total assets75.4578%1,469
Net loans and leases to deposits105.1485%399
Net loans and leases to core deposits105.1485%1,161
Total domestic deposits to total assets71.7631%5,876
Equity capital to assets23.5406%120
Core capital (leverage) ratio23.1783%117
Tier 1 risk-based capital ratio26.8300%702
Total risk-based capital ratio28.0827%678
Memoranda:
Average total assets$36,923,0005,906
Average earning assets$35,347,0005,857
Average equity$8,607,0004,995
Average total loans$27,404,2505,530
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8840%758
Cost of funding earning assets0.4595%2,613
Net interest margin4.4245%729
Noninterest income to average assets0.2390%5,247
Noninterest expense to average assets2.2218%5,049
Loan and lease loss provision to assets0.2716%605
Net operating income to assets1.5917%757
Return on assets (ROA)1.5917%784
Pretax return on assets1.9828%616
Return on Equity (ROE)6.8509%3,703
Retained earnings to average equity (ytd only)6.2663%2,082
Net charge-offs to loans0.0296%3,073
Credit loss provision to net charge-offs1,250.0000%285
Earnings coverage of net charge-offs (x)103.7500%586
Efficiency ratio49.6359%5,867
Assets per employee ($millions)7.7710%590
Cash dividends to net income (ytd only)*8.5324%3,483
Condition Ratios (%)
Loss allowance to loans1.5738%1,998
Loan loss allowance to noncurrent loans27.0686%5,556
Noncurrent assets plus other real estate owned to assets4.3547%279
Noncurrent loans to loans5.8140%168
Net loans and leases to total assets73.7202%1,707
Net loans and leases to deposits102.2452%539
Net loans and leases to core deposits102.2452%1,313
Total domestic deposits to total assets72.1014%5,932
Equity capital to assets22.3806%140
Core capital (leverage) ratio22.8836%120
Tier 1 risk-based capital ratio26.7834%722
Total risk-based capital ratio28.0350%709
Memoranda:
Average total assets$36,816,6705,976
Average earning assets$35,258,0005,925
Average equity$8,553,6705,046
Average total loans$27,010,3305,591
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8768%736
Cost of funding earning assets0.4656%2,609
Net interest margin4.4113%717
Noninterest income to average assets0.2458%5,202
Noninterest expense to average assets2.2683%4,953
Loan and lease loss provision to assets0.2793%547
Net operating income to assets1.2068%1,529
Return on assets (ROA)1.2068%1,621
Pretax return on assets1.9331%672
Return on Equity (ROE)5.0928%4,485
Retained earnings to average equity (ytd only)5.0928%3,010
Net charge-offs to loans-0.0308%5,272
Credit loss provision to net charge-offs-1,250.0000%5,027
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.6234%5,880
Assets per employee ($millions)6.0560%1,365
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6435%1,911
Loan loss allowance to noncurrent loans26.4617%5,619
Noncurrent assets plus other real estate owned to assets4.5657%293
Noncurrent loans to loans6.2109%172
Net loans and leases to total assets72.3030%1,760
Net loans and leases to deposits102.9064%420
Net loans and leases to core deposits102.9064%1,122
Total domestic deposits to total assets70.2609%6,117
Equity capital to assets23.4946%117
Core capital (leverage) ratio23.5562%106
Tier 1 risk-based capital ratio28.5786%616
Total risk-based capital ratio29.8284%604
Memoranda:
Average total assets$35,797,5006,057
Average earning assets$34,366,5006,006
Average equity$8,482,5005,098
Average total loans$25,964,5005,677
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4869%1,924
Cost of funding earning assets0.4837%2,840
Net interest margin4.0032%1,890
Noninterest income to average assets0.2642%5,241
Noninterest expense to average assets2.1453%5,468
Loan and lease loss provision to assets0.2177%1,133
Net operating income to assets1.1961%1,594
Return on assets (ROA)1.1961%1,663
Pretax return on assets1.7215%940
Return on Equity (ROE)4.9931%4,669
Retained earnings to average equity (ytd only)4.5447%2,939
Net charge-offs to loans-0.0594%5,981
Credit loss provision to net charge-offs-535.7143%5,803
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.5231%5,949
Assets per employee ($millions)7.0518%823
Cash dividends to net income (ytd only)*8.9806%4,140
Condition Ratios (%)
Loss allowance to loans1.6338%1,977
Loan loss allowance to noncurrent loans21.9968%5,804
Noncurrent assets plus other real estate owned to assets5.3121%242
Noncurrent loans to loans7.4272%130
Net loans and leases to total assets70.3537%2,181
Net loans and leases to deposits100.9400%571
Net loans and leases to core deposits100.9400%1,324
Total domestic deposits to total assets69.6985%6,208
Equity capital to assets23.9031%117
Core capital (leverage) ratio23.7070%110
Tier 1 risk-based capital ratio29.9964%512
Total risk-based capital ratio31.2504%505
Memoranda:
Average total assets$34,446,6006,168
Average earning assets$32,873,6006,120
Average equity$8,251,4005,136
Average total loans$23,583,8005,837
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4261%2,137
Cost of funding earning assets0.4895%2,869
Net interest margin3.9366%2,087
Noninterest income to average assets0.2920%5,105
Noninterest expense to average assets1.8845%5,980
Loan and lease loss provision to assets0.1947%1,235
Net operating income to assets1.2849%1,413
Return on assets (ROA)1.2849%1,469
Pretax return on assets1.9702%610
Return on Equity (ROE)5.3610%4,549
Retained earnings to average equity (ytd only)5.0524%3,047
Net charge-offs to loans-0.0345%5,790
Credit loss provision to net charge-offs-833.3333%5,840
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.5385%6,264
Assets per employee ($millions)7.1246%766
Cash dividends to net income (ytd only)*5.7569%3,690
Condition Ratios (%)
Loss allowance to loans1.5416%2,539
Loan loss allowance to noncurrent loans18.7346%5,944
Noncurrent assets plus other real estate owned to assets5.7407%249
Noncurrent loans to loans8.2286%116
Net loans and leases to total assets67.9505%2,543
Net loans and leases to deposits95.1307%944
Net loans and leases to core deposits95.1307%1,744
Total domestic deposits to total assets71.4286%6,207
Equity capital to assets23.4820%123
Core capital (leverage) ratio23.7854%109
Tier 1 risk-based capital ratio30.0590%521
Total risk-based capital ratio31.3107%515
Memoranda:
Average total assets$34,243,5006,247
Average earning assets$32,683,7506,198
Average equity$8,207,2505,190
Average total loans$23,175,2505,909
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3290%2,481
Cost of funding earning assets0.4900%2,926
Net interest margin3.8390%2,417
Noninterest income to average assets0.2960%5,045
Noninterest expense to average assets1.8352%6,097
Loan and lease loss provision to assets0.1480%1,669
Net operating income to assets1.2669%1,405
Return on assets (ROA)1.2669%1,458
Pretax return on assets1.9773%584
Return on Equity (ROE)5.2485%4,554
Retained earnings to average equity (ytd only)4.7825%3,098
Net charge-offs to loans-0.0529%5,903
Credit loss provision to net charge-offs-416.6667%5,526
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.3378%6,347
Assets per employee ($millions)7.0266%793
Cash dividends to net income (ytd only)*8.8785%3,488
Condition Ratios (%)
Loss allowance to loans1.4640%3,057
Loan loss allowance to noncurrent loans16.4345%6,039
Noncurrent assets plus other real estate owned to assets6.1936%229
Noncurrent loans to loans8.9082%100
Net loans and leases to total assets67.8166%2,437
Net loans and leases to deposits93.0303%1,048
Net loans and leases to core deposits93.0303%1,859
Total domestic deposits to total assets72.8973%6,191
Equity capital to assets23.4822%117
Core capital (leverage) ratio24.1022%96
Tier 1 risk-based capital ratio30.1298%514
Total risk-based capital ratio31.3800%508
Memoranda:
Average total assets$33,783,6706,313
Average earning assets$32,248,0006,273
Average equity$8,154,6705,226
Average total loans$22,705,3305,970
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3878%2,184
Cost of funding earning assets0.4946%2,961
Net interest margin3.8932%2,110
Noninterest income to average assets0.2900%5,054
Noninterest expense to average assets1.6431%6,397
Loan and lease loss provision to assets0.3020%640
Net operating income to assets1.2565%1,327
Return on assets (ROA)1.2565%1,384
Pretax return on assets2.0538%472
Return on Equity (ROE)5.1314%4,478
Retained earnings to average equity (ytd only)5.1314%3,036
Net charge-offs to loans-0.0546%5,837
Credit loss provision to net charge-offs-833.3333%5,291
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.0876%6,569
Assets per employee ($millions)6.7766%890
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.5924%2,739
Loan loss allowance to noncurrent loans13.6682%6,154
Noncurrent assets plus other real estate owned to assets7.6499%181
Noncurrent loans to loans11.6505%69
Net loans and leases to total assets64.0174%2,886
Net loans and leases to deposits85.4885%1,661
Net loans and leases to core deposits85.4885%2,367
Total domestic deposits to total assets74.8842%6,167
Equity capital to assets24.0799%107
Core capital (leverage) ratio24.1346%104
Tier 1 risk-based capital ratio32.4611%428
Total risk-based capital ratio33.7117%420
Memoranda:
Average total assets$33,109,0006,393
Average earning assets$31,542,0006,352
Average equity$8,107,0005,259
Average total loans$21,968,0006,047
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5312%2,091
Cost of funding earning assets0.5639%2,984
Net interest margin3.9673%2,044
Noninterest income to average assets0.3146%5,096
Noninterest expense to average assets2.1838%5,670
Loan and lease loss provision to assets0.5452%489
Net operating income to assets0.9190%2,688
Return on assets (ROA)0.9190%2,774
Pretax return on assets1.3551%1,947
Return on Equity (ROE)3.7387%5,223
Retained earnings to average equity (ytd only)3.4219%3,796
Net charge-offs to loans0.4329%1,534
Credit loss provision to net charge-offs190.2174%1,202
Earnings coverage of net charge-offs (x)6.6304%3,016
Efficiency ratio53.4706%6,180
Assets per employee ($millions)6.4670%998
Cash dividends to net income (ytd only)*8.4746%4,086
Condition Ratios (%)
Loss allowance to loans1.4753%3,307
Loan loss allowance to noncurrent loans12.7769%6,262
Noncurrent assets plus other real estate owned to assets7.8924%195
Noncurrent loans to loans11.5465%84
Net loans and leases to total assets66.7110%2,571
Net loans and leases to deposits90.1044%1,233
Net loans and leases to core deposits90.1044%2,007
Total domestic deposits to total assets74.0374%6,278
Equity capital to assets24.9111%95
Core capital (leverage) ratio24.2145%97
Tier 1 risk-based capital ratio32.1518%425
Total risk-based capital ratio33.4026%418
Memoranda:
Average total assets$32,100,2006,479
Average earning assets$30,499,4006,440
Average equity$7,890,4005,368
Average total loans$21,253,0006,139
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4654%2,365
Cost of funding earning assets0.5779%3,018
Net interest margin3.8875%2,320
Noninterest income to average assets0.3287%5,058
Noninterest expense to average assets2.0265%5,963
Loan and lease loss provision to assets0.6242%375
Net operating income to assets0.8489%3,104
Return on assets (ROA)0.8489%3,217
Pretax return on assets1.3732%2,023
Return on Equity (ROE)3.4652%5,450
Retained earnings to average equity (ytd only)3.2444%4,367
Net charge-offs to loans-0.0506%6,314
Credit loss provision to net charge-offs-1,875.0000%6,268
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.3619%6,377
Assets per employee ($millions)6.4656%945
Cash dividends to net income (ytd only)*6.3716%3,581
Condition Ratios (%)
Loss allowance to loans1.7464%2,469
Loan loss allowance to noncurrent loans15.7749%6,315
Noncurrent assets plus other real estate owned to assets7.8724%228
Noncurrent loans to loans11.0706%102
Net loans and leases to total assets69.2650%2,092
Net loans and leases to deposits94.1671%821
Net loans and leases to core deposits94.1671%1,557
Total domestic deposits to total assets73.5554%6,398
Equity capital to assets24.6783%95
Core capital (leverage) ratio24.1053%99
Tier 1 risk-based capital ratio30.6733%487
Total risk-based capital ratio31.9244%485
Memoranda:
Average total assets$32,041,5006,555
Average earning assets$30,455,5006,506
Average equity$7,849,2505,435
Average total loans$21,092,7506,210
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3607%2,714
Cost of funding earning assets0.5814%3,113
Net interest margin3.7793%2,639
Noninterest income to average assets0.3318%5,038
Noninterest expense to average assets1.9909%6,067
Loan and lease loss provision to assets0.9391%206
Net operating income to assets0.5885%4,353
Return on assets (ROA)0.5885%4,536
Pretax return on assets0.9829%3,587
Return on Equity (ROE)2.4083%5,829
Retained earnings to average equity (ytd only)2.0752%4,955
Net charge-offs to loans-0.0390%6,175
Credit loss provision to net charge-offs-3,750.0000%6,202
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8800%6,365
Assets per employee ($millions)6.5620%877
Cash dividends to net income (ytd only)*13.8298%3,213
Condition Ratios (%)
Loss allowance to loans1.8654%2,213
Loan loss allowance to noncurrent loans17.2504%6,353
Noncurrent assets plus other real estate owned to assets7.0283%339
Noncurrent loans to loans10.8139%127
Net loans and leases to total assets63.1728%3,069
Net loans and leases to deposits84.1774%1,782
Net loans and leases to core deposits84.1774%2,536
Total domestic deposits to total assets75.0472%6,354
Equity capital to assets23.9774%100
Core capital (leverage) ratio23.8865%94
Tier 1 risk-based capital ratio32.3493%426
Total risk-based capital ratio33.6051%421
Memoranda:
Average total assets$31,946,0006,604
Average earning assets$30,270,3306,556
Average equity$7,806,3305,481
Average total loans$20,527,0006,278
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2963%2,907
Cost of funding earning assets0.5926%3,175
Net interest margin3.7037%2,835
Noninterest income to average assets0.3300%5,063
Noninterest expense to average assets1.6120%6,662
Loan and lease loss provision to assets1.9039%63
Net operating income to assets-0.3681%6,612
Return on assets (ROA)-0.3681%6,644
Pretax return on assets0.3046%5,839
Return on Equity (ROE)-1.4918%6,536
Retained earnings to average equity (ytd only)-1.4918%6,025
Net charge-offs to loans-0.0989%6,440
Credit loss provision to net charge-offs-3,000.0000%5,815
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.1927%6,834
Assets per employee ($millions)6.5256%975
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.9386%2,200
Loan loss allowance to noncurrent loans19.6322%6,352
Noncurrent assets plus other real estate owned to assets6.2339%503
Noncurrent loans to loans9.8744%217
Net loans and leases to total assets61.2388%3,217
Net loans and leases to deposits81.6351%1,877
Net loans and leases to core deposits81.6351%2,622
Total domestic deposits to total assets75.0153%6,456
Equity capital to assets23.7863%108
Core capital (leverage) ratio24.0210%95
Tier 1 risk-based capital ratio33.0377%413
Total risk-based capital ratio34.2914%401
Memoranda:
Average total assets$31,514,0006,678
Average earning assets$29,700,0006,627
Average equity$7,776,0005,553
Average total loans$20,230,0006,345
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0148%1,520
Cost of funding earning assets0.7138%3,373
Net interest margin4.3010%1,398
Noninterest income to average assets0.3995%4,612
Noninterest expense to average assets2.4243%5,344
Loan and lease loss provision to assets0.5417%1,062
Net operating income to assets0.9413%2,594
Return on assets (ROA)0.9413%2,843
Pretax return on assets1.4932%1,695
Return on Equity (ROE)3.6254%5,300
Retained earnings to average equity (ytd only)3.2993%3,905
Net charge-offs to loans0.8229%1,419
Credit loss provision to net charge-offs89.8876%3,479
Earnings coverage of net charge-offs (x)3.3764%3,755
Efficiency ratio54.3660%6,232
Assets per employee ($millions)6.0800%1,235
Cash dividends to net income (ytd only)*8.9928%4,095
Condition Ratios (%)
Loss allowance to loans1.1950%5,135
Loan loss allowance to noncurrent loans11.7532%6,535
Noncurrent assets plus other real estate owned to assets6.7895%463
Noncurrent loans to loans10.1673%225
Net loans and leases to total assets65.2763%2,657
Net loans and leases to deposits89.4236%1,125
Net loans and leases to core deposits89.4236%1,905
Total domestic deposits to total assets72.9967%6,621
Equity capital to assets25.6283%91
Core capital (leverage) ratio25.2353%92
Tier 1 risk-based capital ratio34.4710%351
Total risk-based capital ratio35.5348%353
Memoranda:
Average total assets$29,534,8006,764
Average earning assets$27,877,4006,720
Average equity$7,668,2005,592
Average total loans$21,631,8006,353
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0197%1,645
Cost of funding earning assets0.7294%3,524
Net interest margin4.2902%1,500
Noninterest income to average assets0.4138%4,529
Noninterest expense to average assets2.1465%6,073
Loan and lease loss provision to assets0.7276%690
Net operating income to assets1.1960%1,757
Return on assets (ROA)1.1960%1,929
Pretax return on assets1.6053%1,558
Return on Equity (ROE)4.5913%5,007
Retained earnings to average equity (ytd only)4.3644%3,816
Net charge-offs to loans0.4239%2,396
Credit loss provision to net charge-offs228.5714%1,211
Earnings coverage of net charge-offs (x)7.3286%2,618
Efficiency ratio47.9188%6,722
Assets per employee ($millions)6.0188%1,237
Cash dividends to net income (ytd only)*4.9421%3,606
Condition Ratios (%)
Loss allowance to loans1.4666%4,084
Loan loss allowance to noncurrent loans14.5912%6,604
Noncurrent assets plus other real estate owned to assets7.9983%387
Noncurrent loans to loans10.0514%244
Net loans and leases to total assets77.6899%767
Net loans and leases to deposits109.0536%176
Net loans and leases to core deposits109.0536%604
Total domestic deposits to total assets71.2401%6,780
Equity capital to assets25.8822%99
Core capital (leverage) ratio25.5682%94
Tier 1 risk-based capital ratio30.0294%534
Total risk-based capital ratio31.2848%522
Memoranda:
Average total assets$29,318,5006,858
Average earning assets$27,783,2506,808
Average equity$7,637,5005,664
Average total loans$22,018,7506,420
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0226%1,723
Cost of funding earning assets0.7476%3,620
Net interest margin4.2750%1,535
Noninterest income to average assets0.4061%4,606
Noninterest expense to average assets2.1473%6,129
Loan and lease loss provision to assets1.1012%387
Net operating income to assets0.8603%3,086
Return on assets (ROA)0.8603%3,355
Pretax return on assets1.2113%2,873
Return on Equity (ROE)3.2951%5,559
Retained earnings to average equity (ytd only)2.9524%4,670
Net charge-offs to loans0.7366%1,502
Credit loss provision to net charge-offs202.5316%1,410
Earnings coverage of net charge-offs (x)4.2532%3,136
Efficiency ratio48.1481%6,769
Assets per employee ($millions)6.0860%1,180
Cash dividends to net income (ytd only)*10.4000%3,286
Condition Ratios (%)
Loss allowance to loans1.5133%3,954
Loan loss allowance to noncurrent loans14.5619%6,646
Noncurrent assets plus other real estate owned to assets7.7226%464
Noncurrent loans to loans10.3924%239
Net loans and leases to total assets72.5008%1,470
Net loans and leases to deposits98.1974%516
Net loans and leases to core deposits98.1974%1,254
Total domestic deposits to total assets73.8317%6,693
Equity capital to assets25.1462%101
Core capital (leverage) ratio25.7338%92
Tier 1 risk-based capital ratio30.7841%487
Total risk-based capital ratio32.0339%479
Memoranda:
Average total assets$29,060,0006,914
Average earning assets$27,555,3306,865
Average equity$7,587,0005,688
Average total loans$21,449,0006,494
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1799%1,359
Cost of funding earning assets0.7740%3,670
Net interest margin4.4059%1,215
Noninterest income to average assets0.3947%4,710
Noninterest expense to average assets1.7198%6,881
Loan and lease loss provision to assets2.2555%120
Net operating income to assets0.3806%5,343
Return on assets (ROA)0.3806%5,529
Pretax return on assets0.5921%5,145
Return on Equity (ROE)1.4296%6,243
Retained earnings to average equity (ytd only)1.4296%5,519
Net charge-offs to loans0.5531%1,703
Credit loss provision to net charge-offs551.7241%611
Earnings coverage of net charge-offs (x)6.9655%2,133
Efficiency ratio37.6543%7,156
Assets per employee ($millions)5.7514%1,475
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9001%2,674
Loan loss allowance to noncurrent loans15.5476%6,672
Noncurrent assets plus other real estate owned to assets8.7770%409
Noncurrent loans to loans12.2210%192
Net loans and leases to total assets69.8404%1,778
Net loans and leases to deposits96.2800%518
Net loans and leases to core deposits96.2800%1,278
Total domestic deposits to total assets72.5389%6,853
Equity capital to assets26.3101%80
Core capital (leverage) ratio26.0110%82
Tier 1 risk-based capital ratio33.5198%378
Total risk-based capital ratio34.7716%375
Memoranda:
Average total assets$28,375,0006,995
Average earning assets$26,873,0006,933
Average equity$7,554,5005,721
Average total loans$20,973,0006,566
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1237%2,362
Cost of funding earning assets0.8815%4,247
Net interest margin4.2422%1,917
Noninterest income to average assets0.3600%4,938
Noninterest expense to average assets2.3096%6,018
Loan and lease loss provision to assets1.3366%599
Net operating income to assets0.4812%4,503
Return on assets (ROA)0.4812%4,712
Pretax return on assets0.7449%4,174
Return on Equity (ROE)1.8137%5,731
Retained earnings to average equity (ytd only)1.4778%5,153
Net charge-offs to loans3.0945%297
Credit loss provision to net charge-offs56.9909%5,245
Earnings coverage of net charge-offs (x)0.8875%5,140
Efficiency ratio52.5974%6,653
Assets per employee ($millions)5.5986%1,541
Cash dividends to net income (ytd only)*18.5185%3,590
Condition Ratios (%)
Loss allowance to loans1.2015%5,381
Loan loss allowance to noncurrent loans9.0305%6,831
Noncurrent assets plus other real estate owned to assets10.3061%311
Noncurrent loans to loans13.3051%165
Net loans and leases to total assets75.7868%973
Net loans and leases to deposits105.4161%264
Net loans and leases to core deposits107.3471%738
Total domestic deposits to total assets71.8930%6,876
Equity capital to assets26.9460%83
Core capital (leverage) ratio26.4641%89
Tier 1 risk-based capital ratio31.6640%441
Total risk-based capital ratio32.7498%441
Memoranda:
Average total assets$28,056,4007,023
Average earning assets$26,660,4006,968
Average equity$7,443,4005,737
Average total loans$21,263,6006,591
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0131%3,020
Cost of funding earning assets0.9029%4,376
Net interest margin4.1103%2,434
Noninterest income to average assets0.3847%4,773
Noninterest expense to average assets2.0803%6,535
Loan and lease loss provision to assets1.7811%337
Net operating income to assets0.2755%5,487
Return on assets (ROA)0.2755%5,646
Pretax return on assets0.4369%5,351
Return on Equity (ROE)1.0424%6,060
Retained earnings to average equity (ytd only)0.8267%5,679
Net charge-offs to loans4.1235%152
Credit loss provision to net charge-offs57.1646%4,869
Earnings coverage of net charge-offs (x)0.7119%5,090
Efficiency ratio48.3978%6,934
Assets per employee ($millions)5.5484%1,549
Cash dividends to net income (ytd only)*20.6905%2,894
Condition Ratios (%)
Loss allowance to loans1.2227%5,384
Loan loss allowance to noncurrent loans9.0215%6,906
Noncurrent assets plus other real estate owned to assets10.5364%326
Noncurrent loans to loans13.5534%182
Net loans and leases to total assets75.7119%1,019
Net loans and leases to deposits105.3624%271
Net loans and leases to core deposits107.3056%795
Total domestic deposits to total assets71.8586%6,942
Equity capital to assets26.9627%94
Core capital (leverage) ratio26.2491%101
Tier 1 risk-based capital ratio31.8722%457
Total risk-based capital ratio32.9830%457
Memoranda:
Average total assets$28,072,2507,092
Average earning assets$26,729,2507,038
Average equity$7,418,5005,775
Average total loans$21,211,2506,666
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9219%3,525
Cost of funding earning assets0.9098%4,588
Net interest margin4.0121%2,781
Noninterest income to average assets0.3761%4,873
Noninterest expense to average assets2.1787%6,432
Loan and lease loss provision to assets1.8806%347
Net operating income to assets0.0852%6,050
Return on assets (ROA)0.0852%6,128
Pretax return on assets0.1348%6,043
Return on Equity (ROE)0.3244%6,240
Retained earnings to average equity (ytd only)-0.0270%5,840
Net charge-offs to loans5.9074%89
Credit loss provision to net charge-offs42.3323%4,770
Earnings coverage of net charge-offs (x)0.4537%4,961
Efficiency ratio51.9459%6,788
Assets per employee ($millions)5.7304%1,362
Cash dividends to net income (ytd only)*108.3333%376
Condition Ratios (%)
Loss allowance to loans0.8658%6,738
Loan loss allowance to noncurrent loans6.3807%6,979
Noncurrent assets plus other real estate owned to assets9.9225%395
Noncurrent loans to loans13.5690%178
Net loans and leases to total assets71.9322%1,798
Net loans and leases to deposits98.4852%567
Net loans and leases to core deposits100.2042%1,325
Total domestic deposits to total assets73.0385%6,918
Equity capital to assets25.9214%116
Core capital (leverage) ratio25.9450%111
Tier 1 risk-based capital ratio32.2501%442
Total risk-based capital ratio33.0332%450
Memoranda:
Average total assets$28,182,3307,154
Average earning assets$26,819,0007,099
Average equity$7,398,0005,802
Average total loans$21,193,6706,738
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7794%4,152
Cost of funding earning assets0.9318%4,710
Net interest margin3.8476%3,384
Noninterest income to average assets0.3721%4,935
Noninterest expense to average assets2.0753%6,684
Loan and lease loss provision to assets3.7928%111
Net operating income to assets-1.2166%7,107
Return on assets (ROA)-1.2166%7,111
Pretax return on assets-1.8320%7,226
Return on Equity (ROE)-4.6049%6,787
Retained earnings to average equity (ytd only)-4.6049%6,485
Net charge-offs to loans12.3390%23
Credit loss provision to net charge-offs40.1515%3,944
Earnings coverage of net charge-offs (x)0.2076%4,457
Efficiency ratio51.4184%6,897
Assets per employee ($millions)5.6810%1,428
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.7037%7,074
Loan loss allowance to noncurrent loans5.8517%7,042
Noncurrent assets plus other real estate owned to assets8.8611%501
Noncurrent loans to loans12.0253%278
Net loans and leases to total assets72.5295%1,606
Net loans and leases to deposits101.1240%417
Net loans and leases to core deposits102.9328%1,135
Total domestic deposits to total assets71.7233%7,094
Equity capital to assets25.8405%108
Core capital (leverage) ratio25.6546%105
Tier 1 risk-based capital ratio32.6009%414
Total risk-based capital ratio33.2503%428
Memoranda:
Average total assets$27,947,5007,214
Average earning assets$26,614,0007,152
Average equity$7,383,5005,811
Average total loans$21,395,5006,775
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7254%1,485
Cost of funding earning assets1.0363%5,508
Net interest margin4.6892%837
Noninterest income to average assets0.4431%4,575
Noninterest expense to average assets2.7459%4,799
Loan and lease loss provision to assets0.2841%4,531
Net operating income to assets1.9278%320
Return on assets (ROA)1.9278%340
Pretax return on assets1.8521%681
Return on Equity (ROE)7.0178%3,112
Retained earnings to average equity (ytd only)6.6731%1,468
Net charge-offs to loans-0.0143%7,340
Credit loss provision to net charge-offs-2,500.0000%7,191
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2452%6,569
Assets per employee ($millions)5.4980%1,577
Cash dividends to net income (ytd only)*4.9116%3,884
Condition Ratios (%)
Loss allowance to loans2.4543%1,471
Loan loss allowance to noncurrent loans22.8463%6,703
Noncurrent assets plus other real estate owned to assets8.6941%531
Noncurrent loans to loans10.7426%369
Net loans and leases to total assets78.2175%910
Net loans and leases to deposits115.0516%157
Net loans and leases to core deposits115.0516%672
Total domestic deposits to total assets67.9847%7,324
Equity capital to assets27.0171%100
Core capital (leverage) ratio27.4755%97
Tier 1 risk-based capital ratio31.8594%434
Total risk-based capital ratio33.1228%424
Memoranda:
Average total assets$26,403,0007,307
Average earning assets$24,993,8007,256
Average equity$7,253,0005,945
Average total loans$20,965,6006,873
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8966%1,138
Cost of funding earning assets1.0726%5,582
Net interest margin4.8240%641
Noninterest income to average assets0.4541%4,526
Noninterest expense to average assets2.5716%5,424
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets2.7246%110
Return on assets (ROA)2.7246%113
Pretax return on assets2.4491%252
Return on Equity (ROE)9.8756%2,170
Retained earnings to average equity (ytd only)9.6352%885
Net charge-offs to loans-0.0902%7,538
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.2195%7,053
Assets per employee ($millions)5.2196%1,909
Cash dividends to net income (ytd only)*2.4341%3,488
Condition Ratios (%)
Loss allowance to loans2.2406%1,721
Loan loss allowance to noncurrent loans31.6523%6,231
Noncurrent assets plus other real estate owned to assets5.8817%1,024
Noncurrent loans to loans7.0788%783
Net loans and leases to total assets79.7456%790
Net loans and leases to deposits117.6151%138
Net loans and leases to core deposits117.6151%695
Total domestic deposits to total assets67.8021%7,392
Equity capital to assets28.6152%93
Core capital (leverage) ratio27.2857%104
Tier 1 risk-based capital ratio33.2485%402
Total risk-based capital ratio34.5082%391
Memoranda:
Average total assets$26,131,2507,407
Average earning assets$24,736,7507,357
Average equity$7,209,5006,039
Average total loans$20,696,2506,976
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8018%1,422
Cost of funding earning assets1.1005%5,667
Net interest margin4.7013%813
Noninterest income to average assets0.4284%4,688
Noninterest expense to average assets2.7083%4,869
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets2.5782%127
Return on assets (ROA)2.5782%130
Pretax return on assets2.1651%435
Return on Equity (ROE)9.4619%2,288
Retained earnings to average equity (ytd only)9.0969%1,076
Net charge-offs to loans-0.0781%7,521
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5730%6,693
Assets per employee ($millions)5.3330%1,774
Cash dividends to net income (ytd only)*3.8576%3,274
Condition Ratios (%)
Loss allowance to loans2.1919%1,776
Loan loss allowance to noncurrent loans31.9973%6,231
Noncurrent assets plus other real estate owned to assets5.6254%1,085
Noncurrent loans to loans6.8503%848
Net loans and leases to total assets78.8187%992
Net loans and leases to deposits119.0428%134
Net loans and leases to core deposits119.0428%726
Total domestic deposits to total assets66.2104%7,521
Equity capital to assets27.2792%110
Core capital (leverage) ratio27.3138%101
Tier 1 risk-based capital ratio32.0590%427
Total risk-based capital ratio33.3186%414
Memoranda:
Average total assets$26,142,3307,464
Average earning assets$24,716,3307,415
Average equity$7,123,3306,102
Average total loans$20,498,6707,039
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7610%1,595
Cost of funding earning assets1.1457%5,677
Net interest margin4.6154%921
Noninterest income to average assets0.4327%4,633
Noninterest expense to average assets2.2256%6,618
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets2.4419%165
Return on assets (ROA)2.4419%181
Pretax return on assets2.5656%230
Return on Equity (ROE)8.9671%2,505
Retained earnings to average equity (ytd only)8.9671%1,409
Net charge-offs to loans-0.0800%7,473
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.4516%7,529
Assets per employee ($millions)5.0792%2,130
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.2843%1,601
Loan loss allowance to noncurrent loans37.0635%5,898
Noncurrent assets plus other real estate owned to assets5.0717%1,257
Noncurrent loans to loans6.1632%1,056
Net loans and leases to total assets78.6620%1,031
Net loans and leases to deposits115.7148%185
Net loans and leases to core deposits115.7148%958
Total domestic deposits to total assets67.9792%7,531
Equity capital to assets28.0517%105
Core capital (leverage) ratio26.8729%105
Tier 1 risk-based capital ratio33.0197%409
Total risk-based capital ratio34.2821%403
Memoranda:
Average total assets$25,881,0007,569
Average earning assets$24,440,0007,520
Average equity$7,048,0006,176
Average total loans$20,004,0007,153
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2031%1,234
Cost of funding earning assets1.3549%6,123
Net interest margin4.8482%621
Noninterest income to average assets0.2492%6,321
Noninterest expense to average assets2.6844%5,460
Loan and lease loss provision to assets1.0194%2,238
Net operating income to assets1.0949%1,526
Return on assets (ROA)1.0949%1,571
Pretax return on assets1.1251%2,171
Return on Equity (ROE)4.1687%4,015
Retained earnings to average equity (ytd only)3.8093%2,534
Net charge-offs to loans1.1417%2,141
Credit loss provision to net charge-offs120.0000%4,455
Earnings coverage of net charge-offs (x)2.5244%3,861
Efficiency ratio55.5903%7,060
Assets per employee ($millions)5.2732%1,860
Cash dividends to net income (ytd only)*8.6207%3,910
Condition Ratios (%)
Loss allowance to loans2.3666%1,392
Loan loss allowance to noncurrent loans46.6264%5,275
Noncurrent assets plus other real estate owned to assets3.8724%1,717
Noncurrent loans to loans5.0756%1,324
Net loans and leases to total assets72.4456%2,648
Net loans and leases to deposits100.6322%851
Net loans and leases to core deposits113.0571%2,593
Total domestic deposits to total assets71.9904%7,243
Equity capital to assets26.4431%134
Core capital (leverage) ratio25.2652%151
Tier 1 risk-based capital ratio34.0892%368
Total risk-based capital ratio35.3534%359
Memoranda:
Average total assets$26,486,8007,597
Average earning assets$25,019,6007,541
Average equity$6,956,6006,284
Average total loans$19,707,4007,211
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3185%1,094
Cost of funding earning assets1.3699%6,335
Net interest margin4.9486%501
Noninterest income to average assets0.1961%6,815
Noninterest expense to average assets2.3884%6,453
Loan and lease loss provision to assets0.3017%4,561
Net operating income to assets2.1520%207
Return on assets (ROA)2.1520%224
Pretax return on assets2.1923%359
Return on Equity (ROE)8.2075%2,557
Retained earnings to average equity (ytd only)7.9583%1,152
Net charge-offs to loans0.0203%6,619
Credit loss provision to net charge-offs2,000.0000%194
Earnings coverage of net charge-offs (x)165.3300%228
Efficiency ratio48.9186%7,625
Assets per employee ($millions)5.3198%1,768
Cash dividends to net income (ytd only)*3.0369%3,657
Condition Ratios (%)
Loss allowance to loans2.2433%1,358
Loan loss allowance to noncurrent loans92.7734%2,960
Noncurrent assets plus other real estate owned to assets2.0302%3,306
Noncurrent loans to loans2.4181%3,116
Net loans and leases to total assets77.8187%1,606
Net loans and leases to deposits113.7620%336
Net loans and leases to core deposits126.5762%1,694
Total domestic deposits to total assets68.4048%7,539
Equity capital to assets26.8130%153
Core capital (leverage) ratio25.4987%160
Tier 1 risk-based capital ratio31.8176%478
Total risk-based capital ratio33.0802%471
Memoranda:
Average total assets$26,517,0007,665
Average earning assets$25,111,0007,605
Average equity$6,952,7506,329
Average total loans$19,743,2507,274
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2850%1,247
Cost of funding earning assets1.3913%6,510
Net interest margin4.8937%549
Noninterest income to average assets0.3398%5,798
Noninterest expense to average assets2.4387%6,343
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets2.4613%116
Return on assets (ROA)2.4613%129
Pretax return on assets2.5217%206
Return on Equity (ROE)9.4589%2,199
Retained earnings to average equity (ytd only)9.0817%914
Net charge-offs to loans0.0311%6,025
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)111.3333%344
Efficiency ratio49.1629%7,711
Assets per employee ($millions)5.4710%1,606
Cash dividends to net income (ytd only)*3.9877%3,489
Condition Ratios (%)
Loss allowance to loans1.9790%1,613
Loan loss allowance to noncurrent loans64.7426%4,196
Noncurrent assets plus other real estate owned to assets2.6284%2,443
Noncurrent loans to loans3.0567%2,351
Net loans and leases to total assets75.1417%2,404
Net loans and leases to deposits113.2133%436
Net loans and leases to core deposits121.5625%2,235
Total domestic deposits to total assets66.3718%7,716
Equity capital to assets25.7065%187
Core capital (leverage) ratio24.7913%213
Tier 1 risk-based capital ratio31.0175%538
Total risk-based capital ratio32.2754%529
Memoranda:
Average total assets$26,489,6707,741
Average earning assets$25,012,0007,680
Average equity$6,893,0006,407
Average total loans$19,266,3307,379
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2509%1,443
Cost of funding earning assets1.4526%6,565
Net interest margin4.7983%609
Noninterest income to average assets0.3224%5,872
Noninterest expense to average assets2.1338%7,045
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets2.5790%115
Return on assets (ROA)2.5790%140
Pretax return on assets2.7018%178
Return on Equity (ROE)9.8483%2,379
Retained earnings to average equity (ytd only)9.8483%1,232
Net charge-offs to loans0.0869%4,295
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)44.0000%791
Efficiency ratio44.1270%7,922
Assets per employee ($millions)5.3914%1,656
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.1039%1,226
Loan loss allowance to noncurrent loans2,178.9474%216
Noncurrent assets plus other real estate owned to assets0.3598%6,428
Noncurrent loans to loans0.0966%7,250
Net loans and leases to total assets71.4620%3,363
Net loans and leases to deposits119.0532%312
Net loans and leases to core deposits125.2780%1,972
Total domestic deposits to total assets60.0252%7,967
Equity capital to assets25.6037%210
Core capital (leverage) ratio26.2142%203
Tier 1 risk-based capital ratio31.3829%565
Total risk-based capital ratio32.6413%549
Memoranda:
Average total assets$26,057,0007,797
Average earning assets$24,508,5007,742
Average equity$6,823,5006,470
Average total loans$18,414,5007,465
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7834%1,741
Cost of funding earning assets2.0364%6,294
Net interest margin4.7470%872
Noninterest income to average assets0.3848%5,602
Noninterest expense to average assets2.7270%5,147
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets2.0703%306
Return on assets (ROA)2.0703%288
Pretax return on assets2.1038%482
Return on Equity (ROE)7.6144%3,234
Retained earnings to average equity (ytd only)7.3376%1,040
Net charge-offs to loans0.1809%4,380
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)17.3448%1,780
Efficiency ratio56.4502%6,949
Assets per employee ($millions)5.0314%1,924
Cash dividends to net income (ytd only)*3.6364%4,795
Condition Ratios (%)
Loss allowance to loans2.4372%732
Loan loss allowance to noncurrent loans819.6078%571
Noncurrent assets plus other real estate owned to assets0.4015%6,015
Noncurrent loans to loans0.2974%6,488
Net loans and leases to total assets66.5143%4,750
Net loans and leases to deposits98.7489%2,017
Net loans and leases to core deposits103.6548%4,425
Total domestic deposits to total assets67.3570%7,531
Equity capital to assets26.8116%222
Core capital (leverage) ratio25.7396%248
Tier 1 risk-based capital ratio34.6108%460
Total risk-based capital ratio35.8727%448
Memoranda:
Average total assets$23,909,4007,875
Average earning assets$22,393,0007,843
Average equity$6,500,8006,640
Average total loans$16,030,0007,587