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SunTrust Bank, Performance and Condition Ratios

2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1063%4,140
Cost of funding earning assets0.8744%2,346
Net interest margin3.2319%4,229
Noninterest income to average assets1.4064%457
Noninterest expense to average assets2.6167%3,119
Loan and lease loss provision to assets0.2535%637
Net operating income to assets1.2253%2,107
Return on assets (ROA)1.2012%2,269
Pretax return on assets1.4219%2,218
Return on Equity (ROE)10.1384%2,377
Retained earnings to average equity (ytd only)3.8681%3,468
Net charge-offs to loans0.2758%636
Credit loss provision to net charge-offs125.7324%1,873
Earnings coverage of net charge-offs (x)8.4462%2,654
Efficiency ratio60.5616%3,531
Assets per employee ($millions)10.4244%312
Cash dividends to net income (ytd only)*61.8473%1,220
Condition Ratios (%)
Loss allowance to loans1.0578%3,237
Loan loss allowance to noncurrent loans85.0484%3,546
Noncurrent assets plus other real estate owned to assets0.9331%1,446
Noncurrent loans to loans1.2438%1,251
Net loans and leases to total assets71.7408%2,213
Net loans and leases to deposits93.8580%1,229
Net loans and leases to core deposits100.0569%1,649
Total domestic deposits to total assets76.4355%4,593
Equity capital to assets11.9917%2,264
Core capital (leverage) ratio9.8287%3,812
Tier 1 risk-based capital ratio10.9594%4,928
Total risk-based capital ratio12.2576%4,794
Memoranda:
Average total assets$215,370,824,50013
Average earning assets$194,150,701,00011
Average equity$25,516,409,00013
Average total loans$157,437,961,7507
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1401%4,066
Cost of funding earning assets0.8591%2,358
Net interest margin3.2810%4,177
Noninterest income to average assets1.4799%408
Noninterest expense to average assets2.6738%2,995
Loan and lease loss provision to assets0.2621%576
Net operating income to assets1.2767%1,864
Return on assets (ROA)1.2395%2,059
Pretax return on assets1.4590%1,998
Return on Equity (ROE)10.5065%2,172
Retained earnings to average equity (ytd only)3.3554%3,554
Net charge-offs to loans0.2730%621
Credit loss provision to net charge-offs130.9769%1,654
Earnings coverage of net charge-offs (x)8.8157%2,383
Efficiency ratio60.2369%3,688
Assets per employee ($millions)10.1768%320
Cash dividends to net income (ytd only)*68.0635%1,168
Condition Ratios (%)
Loss allowance to loans1.0578%3,293
Loan loss allowance to noncurrent loans83.4694%3,591
Noncurrent assets plus other real estate owned to assets0.9649%1,441
Noncurrent loans to loans1.2673%1,250
Net loans and leases to total assets72.6802%2,121
Net loans and leases to deposits96.7166%962
Net loans and leases to core deposits103.1771%1,457
Total domestic deposits to total assets75.1476%4,754
Equity capital to assets12.0124%2,175
Core capital (leverage) ratio9.8506%3,758
Tier 1 risk-based capital ratio10.8539%4,973
Total risk-based capital ratio12.1471%4,871
Memoranda:
Average total assets$213,353,032,33013
Average earning assets$192,351,256,33011
Average equity$25,171,022,00013
Average total loans$156,400,650,0007
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1359%4,043
Cost of funding earning assets0.8209%2,420
Net interest margin3.3150%4,124
Noninterest income to average assets1.2585%526
Noninterest expense to average assets2.5217%3,439
Loan and lease loss provision to assets0.2963%440
Net operating income to assets1.1857%2,110
Return on assets (ROA)1.1817%2,171
Pretax return on assets1.4268%1,997
Return on Equity (ROE)10.1105%2,323
Retained earnings to average equity (ytd only)0.4195%4,451
Net charge-offs to loans0.3335%459
Credit loss provision to net charge-offs121.3192%1,406
Earnings coverage of net charge-offs (x)7.0720%2,155
Efficiency ratio59.3395%3,900
Assets per employee ($millions)10.1226%326
Cash dividends to net income (ytd only)*95.8512%667
Condition Ratios (%)
Loss allowance to loans1.0464%3,425
Loan loss allowance to noncurrent loans73.0852%3,821
Noncurrent assets plus other real estate owned to assets1.0876%1,272
Noncurrent loans to loans1.4318%1,133
Net loans and leases to total assets72.5493%2,069
Net loans and leases to deposits94.5116%1,111
Net loans and leases to core deposits101.0477%1,534
Total domestic deposits to total assets76.7624%4,678
Equity capital to assets11.6900%2,241
Core capital (leverage) ratio9.7756%3,836
Tier 1 risk-based capital ratio10.8309%5,055
Total risk-based capital ratio12.1363%4,930
Memoranda:
Average total assets$211,881,070,00013
Average earning assets$191,118,038,00011
Average equity$24,765,265,50014
Average total loans$155,158,171,0007
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8904%4,294
Cost of funding earning assets0.5559%3,013
Net interest margin3.3346%4,167
Noninterest income to average assets1.3457%502
Noninterest expense to average assets2.5786%3,396
Loan and lease loss provision to assets0.1069%2,061
Net operating income to assets1.3831%1,487
Return on assets (ROA)1.3790%1,495
Pretax return on assets1.6642%1,263
Return on Equity (ROE)11.6290%1,853
Retained earnings to average equity (ytd only)2.1112%4,314
Net charge-offs to loans0.2280%856
Credit loss provision to net charge-offs64.4660%3,056
Earnings coverage of net charge-offs (x)10.7096%2,696
Efficiency ratio59.2108%3,984
Assets per employee ($millions)9.7977%361
Cash dividends to net income (ytd only)*81.8457%640
Condition Ratios (%)
Loss allowance to loans1.0526%3,364
Loan loss allowance to noncurrent loans74.1023%3,848
Noncurrent assets plus other real estate owned to assets1.0730%1,262
Noncurrent loans to loans1.4204%1,097
Net loans and leases to total assets72.3696%2,198
Net loans and leases to deposits92.1284%1,532
Net loans and leases to core deposits98.6346%1,821
Total domestic deposits to total assets78.5530%4,402
Equity capital to assets11.6865%2,105
Core capital (leverage) ratio9.9533%3,641
Tier 1 risk-based capital ratio11.0176%4,974
Total risk-based capital ratio12.3315%4,828
Memoranda:
Average total assets$203,783,907,40013
Average earning assets$183,824,299,20013
Average equity$24,165,190,00014
Average total loans$148,137,555,8008
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8218%4,384
Cost of funding earning assets0.5021%3,185
Net interest margin3.3197%4,222
Noninterest income to average assets1.3335%535
Noninterest expense to average assets2.5510%3,438
Loan and lease loss provision to assets0.0847%2,274
Net operating income to assets1.4056%1,466
Return on assets (ROA)1.4018%1,484
Pretax return on assets1.6878%1,305
Return on Equity (ROE)11.7773%1,877
Retained earnings to average equity (ytd only)2.2258%4,492
Net charge-offs to loans0.2187%779
Credit loss provision to net charge-offs53.3761%2,801
Earnings coverage of net charge-offs (x)11.1897%2,533
Efficiency ratio58.9352%3,970
Assets per employee ($millions)9.6252%366
Cash dividends to net income (ytd only)*81.1013%550
Condition Ratios (%)
Loss allowance to loans1.0865%3,269
Loan loss allowance to noncurrent loans74.4637%3,919
Noncurrent assets plus other real estate owned to assets1.0937%1,318
Noncurrent loans to loans1.4591%1,118
Net loans and leases to total assets71.8555%2,349
Net loans and leases to deposits90.3104%1,855
Net loans and leases to core deposits96.3483%2,080
Total domestic deposits to total assets79.5650%4,205
Equity capital to assets11.6494%2,145
Core capital (leverage) ratio10.1541%3,465
Tier 1 risk-based capital ratio11.2376%4,933
Total risk-based capital ratio12.5851%4,774
Memoranda:
Average total assets$202,299,764,25013
Average earning assets$182,431,140,75013
Average equity$24,079,245,50013
Average total loans$146,824,824,2508
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7576%4,452
Cost of funding earning assets0.4584%3,298
Net interest margin3.2992%4,251
Noninterest income to average assets1.3555%523
Noninterest expense to average assets2.5524%3,470
Loan and lease loss provision to assets0.0664%2,567
Net operating income to assets1.3758%1,518
Return on assets (ROA)1.3722%1,532
Pretax return on assets1.7069%1,194
Return on Equity (ROE)11.4456%1,931
Retained earnings to average equity (ytd only)1.9119%4,490
Net charge-offs to loans0.2084%762
Credit loss provision to net charge-offs43.9196%2,535
Earnings coverage of net charge-offs (x)11.7525%2,247
Efficiency ratio58.9416%4,096
Assets per employee ($millions)9.4067%389
Cash dividends to net income (ytd only)*83.2962%636
Condition Ratios (%)
Loss allowance to loans1.1196%3,153
Loan loss allowance to noncurrent loans82.5603%3,798
Noncurrent assets plus other real estate owned to assets1.0250%1,467
Noncurrent loans to loans1.3561%1,251
Net loans and leases to total assets72.0843%2,258
Net loans and leases to deposits88.1632%2,091
Net loans and leases to core deposits93.6689%2,250
Total domestic deposits to total assets81.7623%3,789
Equity capital to assets11.8601%1,949
Core capital (leverage) ratio10.2011%3,358
Tier 1 risk-based capital ratio11.2890%4,905
Total risk-based capital ratio12.7121%4,705
Memoranda:
Average total assets$201,224,002,67013
Average earning assets$181,357,979,00013
Average equity$24,124,766,33013
Average total loans$145,998,184,6708
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6828%4,505
Cost of funding earning assets0.4222%3,429
Net interest margin3.2606%4,288
Noninterest income to average assets1.3124%541
Noninterest expense to average assets2.5456%3,512
Loan and lease loss provision to assets0.0755%2,257
Net operating income to assets1.3005%1,639
Return on assets (ROA)1.2970%1,655
Pretax return on assets1.6212%1,332
Return on Equity (ROE)10.7601%2,063
Retained earnings to average equity (ytd only)1.2577%4,558
Net charge-offs to loans0.2170%687
Credit loss provision to net charge-offs48.0479%1,965
Earnings coverage of net charge-offs (x)10.8242%1,884
Efficiency ratio59.9413%4,074
Assets per employee ($millions)9.2148%407
Cash dividends to net income (ytd only)*88.3110%712
Condition Ratios (%)
Loss allowance to loans1.1667%2,993
Loan loss allowance to noncurrent loans82.0681%3,788
Noncurrent assets plus other real estate owned to assets1.0713%1,455
Noncurrent loans to loans1.4217%1,246
Net loans and leases to total assets71.7409%2,217
Net loans and leases to deposits86.8842%2,063
Net loans and leases to core deposits92.2532%2,278
Total domestic deposits to total assets82.5707%3,795
Equity capital to assets11.9840%1,801
Core capital (leverage) ratio10.1387%3,373
Tier 1 risk-based capital ratio11.4086%4,912
Total risk-based capital ratio12.9035%4,665
Memoranda:
Average total assets$200,803,865,00012
Average earning assets$180,635,858,50013
Average equity$24,204,602,50013
Average total loans$145,344,375,0008
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4688%4,836
Cost of funding earning assets0.3362%3,831
Net interest margin3.1326%4,621
Noninterest income to average assets1.4629%494
Noninterest expense to average assets2.5795%3,510
Loan and lease loss provision to assets0.1967%1,061
Net operating income to assets1.2284%1,432
Return on assets (ROA)1.1804%1,602
Pretax return on assets1.4669%1,753
Return on Equity (ROE)9.9781%1,898
Retained earnings to average equity (ytd only)4.1156%2,698
Net charge-offs to loans0.2528%1,036
Credit loss provision to net charge-offs107.0801%2,421
Earnings coverage of net charge-offs (x)9.3742%2,797
Efficiency ratio59.9596%4,272
Assets per employee ($millions)9.1325%432
Cash dividends to net income (ytd only)*58.7541%1,817
Condition Ratios (%)
Loss allowance to loans1.1918%2,829
Loan loss allowance to noncurrent loans83.3441%3,849
Noncurrent assets plus other real estate owned to assets1.0711%1,424
Noncurrent loans to loans1.4300%1,202
Net loans and leases to total assets71.3162%2,335
Net loans and leases to deposits87.6557%2,055
Net loans and leases to core deposits92.6668%2,309
Total domestic deposits to total assets81.3594%4,035
Equity capital to assets12.1231%1,747
Core capital (leverage) ratio9.9740%3,490
Tier 1 risk-based capital ratio11.3063%4,978
Total risk-based capital ratio12.8348%4,689
Memoranda:
Average total assets$201,868,052,00012
Average earning assets$182,909,242,20012
Average equity$23,880,393,40013
Average total loans$146,665,259,2008
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4276%4,926
Cost of funding earning assets0.3231%3,912
Net interest margin3.1045%4,706
Noninterest income to average assets1.4073%537
Noninterest expense to average assets2.5133%3,689
Loan and lease loss provision to assets0.2137%883
Net operating income to assets1.0661%2,249
Return on assets (ROA)1.0623%2,308
Pretax return on assets1.4989%1,772
Return on Equity (ROE)9.0359%2,579
Retained earnings to average equity (ytd only)3.1386%4,039
Net charge-offs to loans0.2365%902
Credit loss provision to net charge-offs124.1617%1,954
Earnings coverage of net charge-offs (x)9.9726%2,645
Efficiency ratio59.4130%4,305
Assets per employee ($millions)9.0508%431
Cash dividends to net income (ytd only)*65.2649%1,132
Condition Ratios (%)
Loss allowance to loans1.2034%2,917
Loan loss allowance to noncurrent loans85.5111%3,796
Noncurrent assets plus other real estate owned to assets1.0590%1,582
Noncurrent loans to loans1.4073%1,325
Net loans and leases to total assets71.4987%2,331
Net loans and leases to deposits87.8499%2,086
Net loans and leases to core deposits92.7687%2,373
Total domestic deposits to total assets81.3874%3,952
Equity capital to assets11.8545%2,070
Core capital (leverage) ratio9.7856%3,838
Tier 1 risk-based capital ratio11.0552%5,210
Total risk-based capital ratio12.5959%4,933
Memoranda:
Average total assets$201,925,685,25012
Average earning assets$183,563,200,25012
Average equity$23,739,314,25014
Average total loans$146,947,886,7508
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3771%4,993
Cost of funding earning assets0.3001%4,081
Net interest margin3.0770%4,735
Noninterest income to average assets1.4166%541
Noninterest expense to average assets2.5730%3,515
Loan and lease loss provision to assets0.2029%904
Net operating income to assets1.0307%2,291
Return on assets (ROA)1.0272%2,340
Pretax return on assets1.4358%1,873
Return on Equity (ROE)8.7618%2,625
Retained earnings to average equity (ytd only)2.8336%4,022
Net charge-offs to loans0.2484%824
Credit loss provision to net charge-offs112.0544%1,863
Earnings coverage of net charge-offs (x)9.0660%2,469
Efficiency ratio61.0362%4,160
Assets per employee ($millions)9.0136%420
Cash dividends to net income (ytd only)*67.6597%1,215
Condition Ratios (%)
Loss allowance to loans1.1758%3,165
Loan loss allowance to noncurrent loans86.2488%3,827
Noncurrent assets plus other real estate owned to assets1.0289%1,702
Noncurrent loans to loans1.3632%1,420
Net loans and leases to total assets71.8233%2,230
Net loans and leases to deposits89.0661%1,857
Net loans and leases to core deposits94.1536%2,139
Total domestic deposits to total assets80.3392%4,339
Equity capital to assets11.7755%2,095
Core capital (leverage) ratio9.7237%3,869
Tier 1 risk-based capital ratio11.0047%5,249
Total risk-based capital ratio12.5327%4,983
Memoranda:
Average total assets$201,440,655,33012
Average earning assets$183,194,957,67012
Average equity$23,615,856,00014
Average total loans$146,868,544,6708
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3259%5,064
Cost of funding earning assets0.2821%4,235
Net interest margin3.0438%4,803
Noninterest income to average assets1.4184%533
Noninterest expense to average assets2.6193%3,420
Loan and lease loss provision to assets0.2328%664
Net operating income to assets0.9742%2,420
Return on assets (ROA)0.9696%2,489
Pretax return on assets1.3273%2,147
Return on Equity (ROE)8.2892%2,771
Retained earnings to average equity (ytd only)2.3323%4,208
Net charge-offs to loans0.3047%608
Credit loss provision to net charge-offs104.6246%1,520
Earnings coverage of net charge-offs (x)7.0329%2,170
Efficiency ratio62.6011%4,057
Assets per employee ($millions)8.9818%430
Cash dividends to net income (ytd only)*71.8634%1,130
Condition Ratios (%)
Loss allowance to loans1.1750%3,282
Loan loss allowance to noncurrent loans84.9750%3,902
Noncurrent assets plus other real estate owned to assets1.0665%1,689
Noncurrent loans to loans1.3828%1,457
Net loans and leases to total assets71.5957%2,132
Net loans and leases to deposits87.6403%1,847
Net loans and leases to core deposits91.9945%2,165
Total domestic deposits to total assets81.4915%4,299
Equity capital to assets11.7023%2,033
Core capital (leverage) ratio9.6075%3,986
Tier 1 risk-based capital ratio10.9561%5,334
Total risk-based capital ratio12.5060%5,070
Memoranda:
Average total assets$200,920,292,00012
Average earning assets$182,550,295,00013
Average equity$23,502,161,00014
Average total loans$146,723,258,5008
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2446%5,244
Cost of funding earning assets0.2336%4,708
Net interest margin3.0110%4,938
Noninterest income to average assets1.5068%523
Noninterest expense to average assets2.5593%3,812
Loan and lease loss provision to assets0.2262%961
Net operating income to assets1.0160%2,284
Return on assets (ROA)1.0129%2,397
Pretax return on assets1.4572%1,730
Return on Equity (ROE)8.2856%2,795
Retained earnings to average equity (ytd only)2.8159%3,900
Net charge-offs to loans0.3363%817
Credit loss provision to net charge-offs91.0913%2,775
Earnings coverage of net charge-offs (x)6.7895%3,124
Efficiency ratio60.2650%4,540
Assets per employee ($millions)8.8967%435
Cash dividends to net income (ytd only)*66.0143%1,497
Condition Ratios (%)
Loss allowance to loans1.1572%3,388
Loan loss allowance to noncurrent loans80.0371%4,005
Noncurrent assets plus other real estate owned to assets1.1259%1,649
Noncurrent loans to loans1.4458%1,402
Net loans and leases to total assets72.7545%2,054
Net loans and leases to deposits89.8664%1,700
Net loans and leases to core deposits94.4535%2,060
Total domestic deposits to total assets80.6544%4,422
Equity capital to assets11.6922%2,014
Core capital (leverage) ratio9.6319%3,930
Tier 1 risk-based capital ratio10.7305%5,474
Total risk-based capital ratio12.2922%5,212
Memoranda:
Average total assets$194,411,277,40013
Average earning assets$176,795,942,20013
Average equity$23,767,529,00013
Average total loans$143,510,437,4008
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2330%5,314
Cost of funding earning assets0.2287%4,799
Net interest margin3.0043%5,007
Noninterest income to average assets1.5334%521
Noninterest expense to average assets2.5646%3,782
Loan and lease loss provision to assets0.2337%841
Net operating income to assets1.0176%2,349
Return on assets (ROA)1.0151%2,501
Pretax return on assets1.4667%1,822
Return on Equity (ROE)8.2098%2,903
Retained earnings to average equity (ytd only)2.8983%4,161
Net charge-offs to loans0.3247%711
Credit loss provision to net charge-offs97.4089%2,416
Earnings coverage of net charge-offs (x)7.0953%2,919
Efficiency ratio60.0951%4,526
Assets per employee ($millions)9.0885%393
Cash dividends to net income (ytd only)*64.6968%1,232
Condition Ratios (%)
Loss allowance to loans1.1977%3,250
Loan loss allowance to noncurrent loans83.1746%3,985
Noncurrent assets plus other real estate owned to assets1.1077%1,835
Noncurrent loans to loans1.4399%1,506
Net loans and leases to total assets71.7944%2,223
Net loans and leases to deposits89.0297%1,882
Net loans and leases to core deposits93.1503%2,262
Total domestic deposits to total assets80.4911%4,392
Equity capital to assets12.1061%2,036
Core capital (leverage) ratio9.6593%3,988
Tier 1 risk-based capital ratio10.9081%5,421
Total risk-based capital ratio12.5593%5,104
Memoranda:
Average total assets$192,874,688,00013
Average earning assets$175,467,378,00013
Average equity$23,847,013,25012
Average total loans$142,482,284,7508
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2492%5,367
Cost of funding earning assets0.2232%4,907
Net interest margin3.0259%5,027
Noninterest income to average assets1.5316%515
Noninterest expense to average assets2.5489%3,890
Loan and lease loss provision to assets0.2557%748
Net operating income to assets1.0306%2,251
Return on assets (ROA)1.0290%2,394
Pretax return on assets1.4782%1,746
Return on Equity (ROE)8.2625%2,856
Retained earnings to average equity (ytd only)3.2028%3,860
Net charge-offs to loans0.3131%755
Credit loss provision to net charge-offs109.9386%1,962
Earnings coverage of net charge-offs (x)7.4556%2,627
Efficiency ratio59.4970%4,713
Assets per employee ($millions)8.7876%423
Cash dividends to net income (ytd only)*61.2362%1,474
Condition Ratios (%)
Loss allowance to loans1.2291%3,195
Loan loss allowance to noncurrent loans89.3015%3,923
Noncurrent assets plus other real estate owned to assets1.0798%1,962
Noncurrent loans to loans1.3763%1,625
Net loans and leases to total assets73.1991%1,981
Net loans and leases to deposits91.7282%1,551
Net loans and leases to core deposits96.0103%1,974
Total domestic deposits to total assets79.8000%4,593
Equity capital to assets12.4385%1,814
Core capital (leverage) ratio9.7240%3,899
Tier 1 risk-based capital ratio10.9406%5,451
Total risk-based capital ratio12.6285%5,123
Memoranda:
Average total assets$190,432,662,67013
Average earning assets$173,156,399,67013
Average equity$23,717,201,00012
Average total loans$141,484,645,6708
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2656%5,385
Cost of funding earning assets0.2183%5,022
Net interest margin3.0472%5,012
Noninterest income to average assets1.4321%548
Noninterest expense to average assets2.5350%3,964
Loan and lease loss provision to assets0.2182%882
Net operating income to assets1.0004%2,276
Return on assets (ROA)0.9957%2,413
Pretax return on assets1.4458%1,761
Return on Equity (ROE)7.9895%2,918
Retained earnings to average equity (ytd only)2.8762%4,078
Net charge-offs to loans0.2419%847
Credit loss provision to net charge-offs121.2426%1,435
Earnings coverage of net charge-offs (x)9.2729%1,998
Efficiency ratio60.2913%4,706
Assets per employee ($millions)8.5710%460
Cash dividends to net income (ytd only)*64.0001%1,343
Condition Ratios (%)
Loss allowance to loans1.2481%3,205
Loan loss allowance to noncurrent loans89.7569%3,868
Noncurrent assets plus other real estate owned to assets1.0968%2,011
Noncurrent loans to loans1.3905%1,715
Net loans and leases to total assets73.7151%1,774
Net loans and leases to deposits90.4138%1,530
Net loans and leases to core deposits94.4026%1,949
Total domestic deposits to total assets81.5308%4,350
Equity capital to assets12.5283%1,665
Core capital (leverage) ratio9.8788%3,685
Tier 1 risk-based capital ratio10.9738%5,518
Total risk-based capital ratio12.2525%5,413
Memoranda:
Average total assets$188,309,291,00013
Average earning assets$171,271,865,00013
Average equity$23,468,164,50012
Average total loans$140,088,552,5008
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1075%5,624
Cost of funding earning assets0.2134%5,159
Net interest margin2.8941%5,346
Noninterest income to average assets1.5088%549
Noninterest expense to average assets2.5581%4,046
Loan and lease loss provision to assets0.0842%2,610
Net operating income to assets1.0662%2,060
Return on assets (ROA)1.0691%2,121
Pretax return on assets1.5001%1,554
Return on Equity (ROE)8.6215%2,662
Retained earnings to average equity (ytd only)3.7194%3,405
Net charge-offs to loans0.2500%1,199
Credit loss provision to net charge-offs45.7279%3,460
Earnings coverage of net charge-offs (x)8.5711%2,930
Efficiency ratio61.8185%4,639
Assets per employee ($millions)8.4142%479
Cash dividends to net income (ytd only)*56.8592%1,919
Condition Ratios (%)
Loss allowance to loans1.2652%3,083
Loan loss allowance to noncurrent loans105.9038%3,553
Noncurrent assets plus other real estate owned to assets0.9503%2,292
Noncurrent loans to loans1.1947%1,977
Net loans and leases to total assets73.1965%1,853
Net loans and leases to deposits89.5422%1,678
Net loans and leases to core deposits93.7936%2,064
Total domestic deposits to total assets81.7399%4,243
Equity capital to assets12.3957%1,673
Core capital (leverage) ratio9.9551%3,572
Tier 1 risk-based capital ratio11.0515%5,494
Total risk-based capital ratio12.4050%5,343
Memoranda:
Average total assets$185,060,882,60013
Average earning assets$168,014,781,00012
Average equity$22,949,331,80012
Average total loans$136,309,843,6008
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0792%5,730
Cost of funding earning assets0.2187%5,201
Net interest margin2.8604%5,473
Noninterest income to average assets1.5321%528
Noninterest expense to average assets2.5687%3,984
Loan and lease loss provision to assets0.0772%2,641
Net operating income to assets1.0550%2,196
Return on assets (ROA)1.0606%2,259
Pretax return on assets1.4915%1,702
Return on Equity (ROE)8.5518%2,797
Retained earnings to average equity (ytd only)3.7486%3,808
Net charge-offs to loans0.2532%1,039
Credit loss provision to net charge-offs41.4604%3,148
Earnings coverage of net charge-offs (x)8.3709%2,825
Efficiency ratio62.2016%4,537
Assets per employee ($millions)8.2163%496
Cash dividends to net income (ytd only)*56.1664%1,589
Condition Ratios (%)
Loss allowance to loans1.3150%3,010
Loan loss allowance to noncurrent loans130.4567%3,088
Noncurrent assets plus other real estate owned to assets0.8170%2,836
Noncurrent loans to loans1.0080%2,461
Net loans and leases to total assets73.1426%1,884
Net loans and leases to deposits89.6494%1,696
Net loans and leases to core deposits94.2267%2,055
Total domestic deposits to total assets81.5055%4,322
Equity capital to assets12.7156%1,605
Core capital (leverage) ratio9.9094%3,759
Tier 1 risk-based capital ratio11.1171%5,595
Total risk-based capital ratio12.5498%5,391
Memoranda:
Average total assets$184,648,355,00013
Average earning assets$167,545,747,75012
Average equity$22,900,625,00011
Average total loans$135,782,993,2508
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0339%5,826
Cost of funding earning assets0.2246%5,198
Net interest margin2.8093%5,596
Noninterest income to average assets1.5600%529
Noninterest expense to average assets2.6062%3,884
Loan and lease loss provision to assets0.0905%2,308
Net operating income to assets0.9828%2,490
Return on assets (ROA)0.9883%2,562
Pretax return on assets1.4206%1,895
Return on Equity (ROE)8.0360%3,030
Retained earnings to average equity (ytd only)3.4248%3,864
Net charge-offs to loans0.2751%959
Credit loss provision to net charge-offs44.8696%2,760
Earnings coverage of net charge-offs (x)7.4399%2,669
Efficiency ratio63.4202%4,442
Assets per employee ($millions)8.2008%485
Cash dividends to net income (ytd only)*57.3817%1,630
Condition Ratios (%)
Loss allowance to loans1.3569%2,949
Loan loss allowance to noncurrent loans123.0380%3,221
Noncurrent assets plus other real estate owned to assets0.8867%2,770
Noncurrent loans to loans1.1028%2,448
Net loans and leases to total assets72.3418%1,927
Net loans and leases to deposits90.0283%1,596
Net loans and leases to core deposits94.4367%1,917
Total domestic deposits to total assets80.2731%4,801
Equity capital to assets12.3932%1,731
Core capital (leverage) ratio9.8058%3,855
Tier 1 risk-based capital ratio11.0573%5,685
Total risk-based capital ratio12.5435%5,504
Memoranda:
Average total assets$185,142,416,33012
Average earning assets$167,873,180,33012
Average equity$22,770,633,33011
Average total loans$135,791,399,3308
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0001%5,891
Cost of funding earning assets0.2275%5,241
Net interest margin2.7726%5,697
Noninterest income to average assets1.5808%488
Noninterest expense to average assets2.6087%3,891
Loan and lease loss provision to assets0.1195%1,732
Net operating income to assets0.9379%2,570
Return on assets (ROA)0.9331%2,721
Pretax return on assets1.3605%2,036
Return on Equity (ROE)7.6158%3,157
Retained earnings to average equity (ytd only)3.6580%3,812
Net charge-offs to loans0.2922%817
Credit loss provision to net charge-offs55.7564%2,046
Earnings coverage of net charge-offs (x)6.9278%2,229
Efficiency ratio63.6981%4,522
Assets per employee ($millions)8.1680%511
Cash dividends to net income (ytd only)*51.9675%1,662
Condition Ratios (%)
Loss allowance to loans1.3923%2,951
Loan loss allowance to noncurrent loans117.9792%3,304
Noncurrent assets plus other real estate owned to assets0.9489%2,727
Noncurrent loans to loans1.1801%2,413
Net loans and leases to total assets72.3175%1,756
Net loans and leases to deposits91.3978%1,246
Net loans and leases to core deposits95.9197%1,619
Total domestic deposits to total assets78.9620%5,271
Equity capital to assets12.3441%1,787
Core capital (leverage) ratio9.6522%4,072
Tier 1 risk-based capital ratio11.0331%5,790
Total risk-based capital ratio12.5788%5,554
Memoranda:
Average total assets$185,602,182,00012
Average earning assets$168,197,695,00012
Average equity$22,740,372,50010
Average total loans$136,135,443,5008
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3143%5,686
Cost of funding earning assets0.2491%5,328
Net interest margin3.0652%5,287
Noninterest income to average assets1.5351%524
Noninterest expense to average assets2.8622%3,258
Loan and lease loss provision to assets0.1893%1,352
Net operating income to assets0.9837%2,462
Return on assets (ROA)0.9724%2,597
Pretax return on assets1.2334%2,512
Return on Equity (ROE)7.8714%3,201
Retained earnings to average equity (ytd only)4.3611%3,076
Net charge-offs to loans0.3352%1,312
Credit loss provision to net charge-offs75.9675%2,952
Earnings coverage of net charge-offs (x)5.7618%3,360
Efficiency ratio66.5058%4,151
Assets per employee ($millions)8.1279%514
Cash dividends to net income (ytd only)*44.5959%2,596
Condition Ratios (%)
Loss allowance to loans1.4199%2,856
Loan loss allowance to noncurrent loans111.9672%3,465
Noncurrent assets plus other real estate owned to assets1.0226%2,695
Noncurrent loans to loans1.2681%2,332
Net loans and leases to total assets72.3075%1,857
Net loans and leases to deposits93.8277%1,089
Net loans and leases to core deposits99.0728%1,463
Total domestic deposits to total assets76.8625%5,619
Equity capital to assets12.1592%1,895
Core capital (leverage) ratio9.5663%4,151
Tier 1 risk-based capital ratio10.6700%6,034
Total risk-based capital ratio12.2874%5,835
Memoranda:
Average total assets$178,710,377,00012
Average earning assets$161,075,880,00011
Average equity$22,077,772,40010
Average total loans$132,840,077,4008
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3511%5,672
Cost of funding earning assets0.2515%5,392
Net interest margin3.0996%5,258
Noninterest income to average assets1.4904%565
Noninterest expense to average assets2.8385%3,322
Loan and lease loss provision to assets0.2075%1,127
Net operating income to assets1.0043%2,434
Return on assets (ROA)0.9917%2,550
Pretax return on assets1.2206%2,703
Return on Equity (ROE)7.9942%3,208
Retained earnings to average equity (ytd only)4.6527%3,323
Net charge-offs to loans0.3549%1,138
Credit loss provision to net charge-offs78.3622%2,625
Earnings coverage of net charge-offs (x)5.4468%3,260
Efficiency ratio66.2006%4,188
Assets per employee ($millions)7.8340%556
Cash dividends to net income (ytd only)*41.7989%2,271
Condition Ratios (%)
Loss allowance to loans1.4679%2,864
Loan loss allowance to noncurrent loans104.5727%3,561
Noncurrent assets plus other real estate owned to assets1.1285%2,699
Noncurrent loans to loans1.4037%2,312
Net loans and leases to total assets72.3334%1,793
Net loans and leases to deposits94.5850%987
Net loans and leases to core deposits100.1447%1,356
Total domestic deposits to total assets76.3375%5,772
Equity capital to assets12.2429%1,875
Core capital (leverage) ratio9.6937%4,086
Tier 1 risk-based capital ratio10.6962%6,129
Total risk-based capital ratio12.3573%5,905
Memoranda:
Average total assets$176,910,510,00012
Average earning assets$159,250,091,00012
Average equity$21,945,908,00010
Average total loans$131,959,353,5008
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3832%5,659
Cost of funding earning assets0.2535%5,449
Net interest margin3.1297%5,160
Noninterest income to average assets1.4831%556
Noninterest expense to average assets2.9785%2,909
Loan and lease loss provision to assets0.2084%1,143
Net operating income to assets0.8306%3,173
Return on assets (ROA)0.8200%3,330
Pretax return on assets1.0979%3,109
Return on Equity (ROE)6.5803%3,847
Retained earnings to average equity (ytd only)3.6002%3,899
Net charge-offs to loans0.3403%1,194
Credit loss provision to net charge-offs81.6409%2,309
Earnings coverage of net charge-offs (x)5.1598%2,977
Efficiency ratio69.2273%3,794
Assets per employee ($millions)7.4082%657
Cash dividends to net income (ytd only)*45.2885%2,145
Condition Ratios (%)
Loss allowance to loans1.4969%2,915
Loan loss allowance to noncurrent loans103.0132%3,567
Noncurrent assets plus other real estate owned to assets1.2175%2,653
Noncurrent loans to loans1.4531%2,374
Net loans and leases to total assets73.8713%1,461
Net loans and leases to deposits96.2583%787
Net loans and leases to core deposits102.4415%1,107
Total domestic deposits to total assets76.7372%5,825
Equity capital to assets12.3869%1,713
Core capital (leverage) ratio9.6888%4,060
Tier 1 risk-based capital ratio10.7043%6,172
Total risk-based capital ratio12.4573%5,893
Memoranda:
Average total assets$175,028,853,00013
Average earning assets$157,286,251,67012
Average equity$21,811,167,67010
Average total loans$131,273,863,6708
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4019%5,642
Cost of funding earning assets0.2555%5,534
Net interest margin3.1464%5,100
Noninterest income to average assets1.4614%550
Noninterest expense to average assets2.8128%3,518
Loan and lease loss provision to assets0.2451%884
Net operating income to assets0.9429%2,439
Return on assets (ROA)0.9328%2,561
Pretax return on assets1.2211%2,384
Return on Equity (ROE)7.4624%3,229
Retained earnings to average equity (ytd only)5.6165%2,728
Net charge-offs to loans0.3391%1,056
Credit loss provision to net charge-offs96.3679%1,734
Earnings coverage of net charge-offs (x)5.8038%2,328
Efficiency ratio65.4677%4,614
Assets per employee ($millions)7.3284%682
Cash dividends to net income (ytd only)*24.7356%2,419
Condition Ratios (%)
Loss allowance to loans1.5611%2,880
Loan loss allowance to noncurrent loans98.3297%3,652
Noncurrent assets plus other real estate owned to assets1.3222%2,668
Noncurrent loans to loans1.5876%2,433
Net loans and leases to total assets73.2847%1,386
Net loans and leases to deposits94.3688%757
Net loans and leases to core deposits100.6654%1,059
Total domestic deposits to total assets77.6577%5,877
Equity capital to assets12.4614%1,602
Core capital (leverage) ratio9.7778%3,891
Tier 1 risk-based capital ratio11.0355%6,140
Total risk-based capital ratio12.8324%5,818
Memoranda:
Average total assets$173,362,819,50013
Average earning assets$155,799,317,00012
Average equity$21,670,055,50010
Average total loans$130,030,912,5008
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5400%5,560
Cost of funding earning assets0.2800%5,761
Net interest margin3.2599%4,806
Noninterest income to average assets1.5371%600
Noninterest expense to average assets3.3028%2,144
Loan and lease loss provision to assets0.3255%1,005
Net operating income to assets0.7050%3,775
Return on assets (ROA)0.6998%3,882
Pretax return on assets0.8203%4,074
Return on Equity (ROE)5.5264%4,375
Retained earnings to average equity (ytd only)4.1206%3,240
Net charge-offs to loans0.5380%1,229
Credit loss provision to net charge-offs80.8611%3,027
Earnings coverage of net charge-offs (x)2.8595%4,044
Efficiency ratio73.9544%3,134
Assets per employee ($millions)7.0423%744
Cash dividends to net income (ytd only)*25.4371%3,488
Condition Ratios (%)
Loss allowance to loans1.5786%2,849
Loan loss allowance to noncurrent loans92.2851%3,823
Noncurrent assets plus other real estate owned to assets1.4517%2,567
Noncurrent loans to loans1.7106%2,347
Net loans and leases to total assets74.3839%1,292
Net loans and leases to deposits95.8208%747
Net loans and leases to core deposits102.2293%1,009
Total domestic deposits to total assets77.6281%5,881
Equity capital to assets12.5392%1,497
Core capital (leverage) ratio9.7777%3,870
Tier 1 risk-based capital ratio10.9613%6,189
Total risk-based capital ratio12.8388%5,801
Memoranda:
Average total assets$168,539,106,20013
Average earning assets$150,793,423,40014
Average equity$21,340,852,40010
Average total loans$126,091,227,0008
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5610%5,550
Cost of funding earning assets0.2869%5,837
Net interest margin3.2741%4,734
Noninterest income to average assets1.5374%620
Noninterest expense to average assets3.4379%1,746
Loan and lease loss provision to assets0.3557%890
Net operating income to assets0.6349%4,198
Return on assets (ROA)0.6274%4,352
Pretax return on assets0.6634%4,811
Return on Equity (ROE)4.9423%4,756
Retained earnings to average equity (ytd only)3.6908%4,074
Net charge-offs to loans0.5862%1,071
Credit loss provision to net charge-offs81.3263%2,817
Earnings coverage of net charge-offs (x)2.3470%4,053
Efficiency ratio76.7815%2,599
Assets per employee ($millions)6.8498%799
Cash dividends to net income (ytd only)*25.3220%2,876
Condition Ratios (%)
Loss allowance to loans1.6339%2,873
Loan loss allowance to noncurrent loans91.7426%3,690
Noncurrent assets plus other real estate owned to assets1.5778%2,568
Noncurrent loans to loans1.7809%2,525
Net loans and leases to total assets74.3987%1,234
Net loans and leases to deposits94.6575%778
Net loans and leases to core deposits101.1229%1,046
Total domestic deposits to total assets78.5978%5,813
Equity capital to assets12.6654%1,496
Core capital (leverage) ratio9.7153%4,083
Tier 1 risk-based capital ratio11.1309%6,223
Total risk-based capital ratio13.0713%5,841
Memoranda:
Average total assets$167,858,463,25013
Average earning assets$150,066,011,50014
Average equity$21,307,342,25010
Average total loans$125,255,444,7508
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5736%5,515
Cost of funding earning assets0.2938%5,877
Net interest margin3.2799%4,658
Noninterest income to average assets1.6819%578
Noninterest expense to average assets3.0182%2,943
Loan and lease loss provision to assets0.4237%712
Net operating income to assets0.8461%3,064
Return on assets (ROA)0.8405%3,254
Pretax return on assets1.1651%2,824
Return on Equity (ROE)6.6168%3,819
Retained earnings to average equity (ytd only)5.6795%2,625
Net charge-offs to loans0.6487%1,013
Credit loss provision to net charge-offs87.9335%2,486
Earnings coverage of net charge-offs (x)3.3091%3,431
Efficiency ratio65.2165%4,676
Assets per employee ($millions)6.8846%757
Cash dividends to net income (ytd only)*14.1658%3,196
Condition Ratios (%)
Loss allowance to loans1.6908%2,810
Loan loss allowance to noncurrent loans96.9107%3,536
Noncurrent assets plus other real estate owned to assets1.5455%2,790
Noncurrent loans to loans1.7447%2,706
Net loans and leases to total assets73.9130%1,262
Net loans and leases to deposits95.0922%730
Net loans and leases to core deposits101.7592%959
Total domestic deposits to total assets77.7128%6,023
Equity capital to assets12.7275%1,453
Core capital (leverage) ratio9.7346%3,889
Tier 1 risk-based capital ratio11.5252%6,097
Total risk-based capital ratio13.5762%5,557
Memoranda:
Average total assets$167,969,599,67013
Average earning assets$150,097,045,33014
Average equity$21,337,223,00010
Average total loans$124,771,697,3308
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5862%5,486
Cost of funding earning assets0.2984%5,974
Net interest margin3.2879%4,563
Noninterest income to average assets1.7013%543
Noninterest expense to average assets2.9508%3,158
Loan and lease loss provision to assets0.4853%554
Net operating income to assets0.8634%2,843
Return on assets (ROA)0.8571%3,002
Pretax return on assets1.1939%2,598
Return on Equity (ROE)6.7535%3,621
Retained earnings to average equity (ytd only)6.7535%2,281
Net charge-offs to loans0.7278%839
Credit loss provision to net charge-offs90.3129%2,021
Earnings coverage of net charge-offs (x)3.1373%2,833
Efficiency ratio63.4270%5,089
Assets per employee ($millions)6.9062%805
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7360%2,853
Loan loss allowance to noncurrent loans92.2749%3,570
Noncurrent assets plus other real estate owned to assets1.6270%2,825
Noncurrent loans to loans1.8814%2,757
Net loans and leases to total assets72.5929%1,266
Net loans and leases to deposits93.2007%718
Net loans and leases to core deposits99.8241%959
Total domestic deposits to total assets77.8292%6,134
Equity capital to assets12.8120%1,524
Core capital (leverage) ratio9.6072%3,910
Tier 1 risk-based capital ratio11.5302%6,178
Total risk-based capital ratio13.6473%5,593
Memoranda:
Average total assets$168,403,488,00013
Average earning assets$150,345,793,50014
Average equity$21,371,850,50010
Average total loans$124,340,417,0008
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8208%5,770
Cost of funding earning assets0.3919%5,971
Net interest margin3.4289%4,782
Noninterest income to average assets1.5435%661
Noninterest expense to average assets3.2673%2,435
Loan and lease loss provision to assets0.8187%582
Net operating income to assets0.4008%5,099
Return on assets (ROA)0.6238%4,381
Pretax return on assets0.7845%4,348
Return on Equity (ROE)5.0835%4,642
Retained earnings to average equity (ytd only)5.0835%2,655
Net charge-offs to loans1.3355%717
Credit loss provision to net charge-offs83.1713%3,728
Earnings coverage of net charge-offs (x)1.3440%4,786
Efficiency ratio70.8393%3,648
Assets per employee ($millions)6.8248%846
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.7417%2,781
Loan loss allowance to noncurrent loans91.8548%3,546
Noncurrent assets plus other real estate owned to assets1.6471%2,927
Noncurrent loans to loans1.8961%2,810
Net loans and leases to total assets72.5093%1,421
Net loans and leases to deposits91.9850%911
Net loans and leases to core deposits98.7307%1,093
Total domestic deposits to total assets78.8273%5,926
Equity capital to assets12.5706%1,653
Core capital (leverage) ratio9.2254%4,533
Tier 1 risk-based capital ratio11.3811%6,168
Total risk-based capital ratio13.5902%5,525
Memoranda:
Average total assets$170,727,439,20013
Average earning assets$151,710,823,80013
Average equity$20,950,969,80011
Average total loans$125,840,808,4009
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8711%5,856
Cost of funding earning assets0.4156%6,022
Net interest margin3.4554%4,827
Noninterest income to average assets1.4057%758
Noninterest expense to average assets3.3053%2,259
Loan and lease loss provision to assets0.8294%558
Net operating income to assets0.2602%5,749
Return on assets (ROA)0.5471%4,896
Pretax return on assets0.7132%4,817
Return on Equity (ROE)4.4849%5,046
Retained earnings to average equity (ytd only)4.4849%3,740
Net charge-offs to loans1.3559%681
Credit loss provision to net charge-offs83.0093%3,532
Earnings coverage of net charge-offs (x)1.1695%4,715
Efficiency ratio73.5018%3,067
Assets per employee ($millions)6.5031%952
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.7635%2,925
Loan loss allowance to noncurrent loans55.9311%4,853
Noncurrent assets plus other real estate owned to assets2.6444%1,995
Noncurrent loans to loans3.1530%1,756
Net loans and leases to total assets73.7884%1,278
Net loans and leases to deposits96.6544%621
Net loans and leases to core deposits103.7063%883
Total domestic deposits to total assets76.2656%6,348
Equity capital to assets12.4835%1,907
Core capital (leverage) ratio9.0533%4,984
Tier 1 risk-based capital ratio11.1470%6,421
Total risk-based capital ratio13.3909%5,835
Memoranda:
Average total assets$171,140,097,25012
Average earning assets$151,960,387,25011
Average equity$20,875,199,75011
Average total loans$126,108,628,5008
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9044%5,903
Cost of funding earning assets0.4396%6,039
Net interest margin3.4648%4,818
Noninterest income to average assets1.6320%557
Noninterest expense to average assets3.1694%2,697
Loan and lease loss provision to assets0.7150%750
Net operating income to assets0.6213%4,272
Return on assets (ROA)0.6442%4,394
Pretax return on assets0.8554%4,253
Return on Equity (ROE)5.3218%4,657
Retained earnings to average equity (ytd only)5.3218%3,078
Net charge-offs to loans1.2258%881
Credit loss provision to net charge-offs79.6575%3,327
Earnings coverage of net charge-offs (x)1.7137%4,125
Efficiency ratio66.9419%4,330
Assets per employee ($millions)6.5368%935
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.8019%2,850
Loan loss allowance to noncurrent loans49.8945%5,125
Noncurrent assets plus other real estate owned to assets2.9529%1,865
Noncurrent loans to loans3.6115%1,587
Net loans and leases to total assets72.8280%1,421
Net loans and leases to deposits96.0298%633
Net loans and leases to core deposits103.0435%914
Total domestic deposits to total assets75.8099%6,486
Equity capital to assets12.2373%1,976
Core capital (leverage) ratio8.8323%5,164
Tier 1 risk-based capital ratio10.9177%6,536
Total risk-based capital ratio13.2755%5,892
Memoranda:
Average total assets$171,869,831,33011
Average earning assets$152,561,722,00011
Average equity$20,803,293,00011
Average total loans$125,843,443,6708
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9674%5,868
Cost of funding earning assets0.4513%6,136
Net interest margin3.5161%4,613
Noninterest income to average assets1.5368%611
Noninterest expense to average assets3.2010%2,595
Loan and lease loss provision to assets0.7281%704
Net operating income to assets0.5642%4,523
Return on assets (ROA)0.5909%4,604
Pretax return on assets0.7623%4,563
Return on Equity (ROE)4.9088%4,825
Retained earnings to average equity (ytd only)4.9088%3,608
Net charge-offs to loans1.3498%750
Credit loss provision to net charge-offs74.1517%2,842
Earnings coverage of net charge-offs (x)1.4815%3,583
Efficiency ratio68.4330%4,082
Assets per employee ($millions)6.4834%989
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.8729%2,761
Loan loss allowance to noncurrent loans48.2601%5,168
Noncurrent assets plus other real estate owned to assets3.1589%1,831
Noncurrent loans to loans3.8808%1,589
Net loans and leases to total assets71.3704%1,506
Net loans and leases to deposits93.1434%721
Net loans and leases to core deposits100.0593%984
Total domestic deposits to total assets76.6068%6,470
Equity capital to assets12.0840%1,983
Core capital (leverage) ratio8.6852%5,320
Tier 1 risk-based capital ratio10.7952%6,623
Total risk-based capital ratio13.1840%6,000
Memoranda:
Average total assets$171,790,517,50011
Average earning assets$152,386,756,00012
Average equity$20,679,152,50011
Average total loans$124,973,187,0008
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1772%6,121
Cost of funding earning assets0.5966%6,101
Net interest margin3.5806%4,805
Noninterest income to average assets1.4821%594
Noninterest expense to average assets3.2526%2,680
Loan and lease loss provision to assets0.9165%1,049
Net operating income to assets0.3910%4,908
Return on assets (ROA)0.3993%5,044
Pretax return on assets0.4537%5,117
Return on Equity (ROE)3.3011%5,158
Retained earnings to average equity (ytd only)3.3011%3,873
Net charge-offs to loans1.7078%893
Credit loss provision to net charge-offs74.6518%4,683
Earnings coverage of net charge-offs (x)1.1077%4,957
Efficiency ratio70.0902%3,940
Assets per employee ($millions)6.3247%1,043
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.9705%2,369
Loan loss allowance to noncurrent loans49.7912%5,039
Noncurrent assets plus other real estate owned to assets3.2458%1,839
Noncurrent loans to loans3.9574%1,580
Net loans and leases to total assets71.3286%1,764
Net loans and leases to deposits94.1053%810
Net loans and leases to core deposits101.0541%1,088
Total domestic deposits to total assets75.7655%6,515
Equity capital to assets11.9906%2,136
Core capital (leverage) ratio8.6920%5,265
Tier 1 risk-based capital ratio10.6997%6,604
Total risk-based capital ratio13.1274%5,896
Memoranda:
Average total assets$166,176,298,00012
Average earning assets$145,286,118,80012
Average equity$20,099,715,00011
Average total loans$119,464,701,8008
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2223%6,155
Cost of funding earning assets0.6243%6,158
Net interest margin3.5980%4,774
Noninterest income to average assets1.5801%529
Noninterest expense to average assets3.2647%2,620
Loan and lease loss provision to assets0.9659%902
Net operating income to assets0.4100%4,952
Return on assets (ROA)0.4086%5,147
Pretax return on assets0.4838%5,214
Return on Equity (ROE)3.3705%5,284
Retained earnings to average equity (ytd only)3.3705%4,331
Net charge-offs to loans1.7701%762
Credit loss provision to net charge-offs76.1471%4,273
Earnings coverage of net charge-offs (x)1.1433%4,771
Efficiency ratio68.8008%4,159
Assets per employee ($millions)6.0812%1,159
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.1738%1,914
Loan loss allowance to noncurrent loans51.4216%4,921
Noncurrent assets plus other real estate owned to assets3.4322%1,839
Noncurrent loans to loans4.2273%1,550
Net loans and leases to total assets70.2499%2,036
Net loans and leases to deposits91.2920%1,073
Net loans and leases to core deposits98.2478%1,404
Total domestic deposits to total assets76.9188%6,388
Equity capital to assets12.4202%1,960
Core capital (leverage) ratio8.7370%5,354
Tier 1 risk-based capital ratio10.7534%6,688
Total risk-based capital ratio13.2143%5,901
Memoranda:
Average total assets$164,897,446,25012
Average earning assets$143,675,372,25012
Average equity$19,989,934,00011
Average total loans$118,171,911,0008
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2566%6,144
Cost of funding earning assets0.6456%6,246
Net interest margin3.6110%4,680
Noninterest income to average assets1.4878%582
Noninterest expense to average assets3.2148%2,848
Loan and lease loss provision to assets1.0297%836
Net operating income to assets0.3430%5,204
Return on assets (ROA)0.3431%5,336
Pretax return on assets0.3799%5,456
Return on Equity (ROE)2.8539%5,459
Retained earnings to average equity (ytd only)2.8539%4,467
Net charge-offs to loans1.8290%757
Credit loss provision to net charge-offs78.6173%3,817
Earnings coverage of net charge-offs (x)1.0756%4,484
Efficiency ratio69.0757%4,313
Assets per employee ($millions)6.1080%1,129
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.3470%1,668
Loan loss allowance to noncurrent loans52.2911%4,884
Noncurrent assets plus other real estate owned to assets3.5704%1,833
Noncurrent loans to loans4.4883%1,481
Net loans and leases to total assets68.8327%2,448
Net loans and leases to deposits88.4481%1,434
Net loans and leases to core deposits97.2051%1,560
Total domestic deposits to total assets76.4630%6,527
Equity capital to assets12.1272%2,013
Core capital (leverage) ratio8.6557%5,295
Tier 1 risk-based capital ratio10.6658%6,731
Total risk-based capital ratio13.2263%5,776
Memoranda:
Average total assets$164,367,913,00012
Average earning assets$142,744,572,00011
Average equity$19,760,620,33012
Average total loans$117,710,856,3309
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2822%6,060
Cost of funding earning assets0.6800%6,248
Net interest margin3.6022%4,559
Noninterest income to average assets1.3976%666
Noninterest expense to average assets3.1482%3,075
Loan and lease loss provision to assets1.1031%662
Net operating income to assets0.2973%5,423
Return on assets (ROA)0.2315%5,740
Pretax return on assets0.2037%5,934
Return on Equity (ROE)1.9343%5,812
Retained earnings to average equity (ytd only)1.9343%4,965
Net charge-offs to loans1.9343%662
Credit loss provision to net charge-offs78.9986%3,181
Earnings coverage of net charge-offs (x)0.9829%3,921
Efficiency ratio69.1955%4,436
Assets per employee ($millions)6.1118%1,132
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4413%1,549
Loan loss allowance to noncurrent loans50.2720%4,996
Noncurrent assets plus other real estate owned to assets3.8905%1,719
Noncurrent loans to loans4.8562%1,399
Net loans and leases to total assets69.1856%2,289
Net loans and leases to deposits88.9255%1,358
Net loans and leases to core deposits99.5587%1,375
Total domestic deposits to total assets75.2742%6,759
Equity capital to assets11.9513%1,947
Core capital (leverage) ratio8.4979%5,459
Tier 1 risk-based capital ratio10.4821%6,816
Total risk-based capital ratio13.0531%5,856
Memoranda:
Average total assets$163,651,579,00011
Average earning assets$141,886,171,50011
Average equity$19,587,482,00012
Average total loans$118,132,356,5009
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4017%6,617
Cost of funding earning assets0.8761%6,262
Net interest margin3.5256%5,135
Noninterest income to average assets1.6184%559
Noninterest expense to average assets3.2073%3,061
Loan and lease loss provision to assets1.6656%857
Net operating income to assets-0.0343%5,903
Return on assets (ROA)0.0205%5,909
Pretax return on assets-0.1358%6,030
Return on Equity (ROE)0.1761%5,911
Retained earnings to average equity (ytd only)0.1761%5,487
Net charge-offs to loans2.4215%778
Credit loss provision to net charge-offs94.8525%4,899
Earnings coverage of net charge-offs (x)0.8204%5,309
Efficiency ratio68.4562%4,463
Assets per employee ($millions)6.0300%1,193
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.4900%1,421
Loan loss allowance to noncurrent loans52.3870%4,873
Noncurrent assets plus other real estate owned to assets3.9901%1,705
Noncurrent loans to loans4.7531%1,456
Net loans and leases to total assets71.6421%2,171
Net loans and leases to deposits92.3186%1,231
Net loans and leases to core deposits103.4852%1,351
Total domestic deposits to total assets75.3726%6,715
Equity capital to assets11.9869%1,925
Core capital (leverage) ratio8.3327%5,640
Tier 1 risk-based capital ratio10.0464%6,963
Total risk-based capital ratio12.5762%6,060
Memoranda:
Average total assets$162,581,911,00010
Average earning assets$139,708,983,20010
Average equity$18,950,332,80012
Average total loans$117,899,828,0009
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4048%6,810
Cost of funding earning assets0.9176%6,320
Net interest margin3.4872%5,347
Noninterest income to average assets1.6180%537
Noninterest expense to average assets3.1854%2,980
Loan and lease loss provision to assets1.8028%694
Net operating income to assets-0.1253%6,212
Return on assets (ROA)-0.0807%6,256
Pretax return on assets-0.3055%6,410
Return on Equity (ROE)-0.6972%6,249
Retained earnings to average equity (ytd only)-0.6972%5,964
Net charge-offs to loans2.5339%661
Credit loss provision to net charge-offs98.4344%4,429
Earnings coverage of net charge-offs (x)0.7776%5,283
Efficiency ratio68.5233%4,369
Assets per employee ($millions)6.2120%1,111
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.6117%1,192
Loan loss allowance to noncurrent loans52.4780%4,795
Noncurrent assets plus other real estate owned to assets4.0857%1,696
Noncurrent loans to loans4.9767%1,394
Net loans and leases to total assets69.9084%2,751
Net loans and leases to deposits93.1978%1,303
Net loans and leases to core deposits104.1561%1,470
Total domestic deposits to total assets72.9664%7,034
Equity capital to assets11.9988%2,161
Core capital (leverage) ratio8.3955%5,705
Tier 1 risk-based capital ratio9.9736%7,083
Total risk-based capital ratio12.6216%6,021
Memoranda:
Average total assets$162,599,996,75010
Average earning assets$139,490,060,25010
Average equity$18,817,932,00012
Average total loans$117,525,216,5008
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3788%6,941
Cost of funding earning assets0.9455%6,397
Net interest margin3.4333%5,503
Noninterest income to average assets1.5019%569
Noninterest expense to average assets3.1233%3,208
Loan and lease loss provision to assets1.9497%629
Net operating income to assets-0.2799%6,454
Return on assets (ROA)-0.2629%6,474
Pretax return on assets-0.5956%6,654
Return on Equity (ROE)-2.3000%6,447
Retained earnings to average equity (ytd only)-2.3000%6,194
Net charge-offs to loans2.6310%631
Credit loss provision to net charge-offs102.2902%3,991
Earnings coverage of net charge-offs (x)0.6946%5,051
Efficiency ratio69.6244%4,258
Assets per employee ($millions)6.1373%1,135
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.7203%1,069
Loan loss allowance to noncurrent loans51.9441%4,845
Noncurrent assets plus other real estate owned to assets4.2933%1,555
Noncurrent loans to loans5.2370%1,296
Net loans and leases to total assets70.2928%2,841
Net loans and leases to deposits92.8015%1,419
Net loans and leases to core deposits103.5108%1,684
Total domestic deposits to total assets74.0199%6,966
Equity capital to assets12.1179%2,030
Core capital (leverage) ratio8.3116%5,744
Tier 1 risk-based capital ratio9.8814%7,091
Total risk-based capital ratio13.1266%5,390
Memoranda:
Average total assets$161,947,718,67010
Average earning assets$138,937,409,00010
Average equity$18,508,983,33012
Average total loans$117,325,577,3308
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3707%7,043
Cost of funding earning assets0.9523%6,569
Net interest margin3.4184%5,508
Noninterest income to average assets1.2912%724
Noninterest expense to average assets3.0192%3,606
Loan and lease loss provision to assets2.1539%505
Net operating income to assets-0.4555%6,805
Return on assets (ROA)-0.4572%6,836
Pretax return on assets-0.9424%7,023
Return on Equity (ROE)-4.1234%6,829
Retained earnings to average equity (ytd only)-4.1234%6,511
Net charge-offs to loans2.7817%574
Credit loss provision to net charge-offs106.7429%3,219
Earnings coverage of net charge-offs (x)0.6000%4,486
Efficiency ratio70.7435%4,170
Assets per employee ($millions)6.1537%1,169
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.7016%1,084
Loan loss allowance to noncurrent loans46.5634%5,238
Noncurrent assets plus other real estate owned to assets4.7123%1,407
Noncurrent loans to loans5.8019%1,157
Net loans and leases to total assets71.0287%2,690
Net loans and leases to deposits93.6623%1,389
Net loans and leases to core deposits104.7805%1,675
Total domestic deposits to total assets73.7527%7,078
Equity capital to assets11.2395%2,544
Core capital (leverage) ratio7.6463%6,682
Tier 1 risk-based capital ratio8.8709%7,501
Total risk-based capital ratio12.1942%6,189
Memoranda:
Average total assets$162,667,121,5009
Average earning assets$139,839,051,5008
Average equity$18,038,353,50012
Average total loans$117,997,759,5008
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4919%7,389
Cost of funding earning assets1.3323%6,203
Net interest margin3.1596%6,205
Noninterest income to average assets1.7101%494
Noninterest expense to average assets3.5409%2,290
Loan and lease loss provision to assets2.3295%872
Net operating income to assets-0.9358%6,529
Return on assets (ROA)-0.9091%6,516
Pretax return on assets-1.4145%6,651
Return on Equity (ROE)-8.4066%6,502
Retained earnings to average equity (ytd only)-8.4066%6,386
Net charge-offs to loans2.5593%895
Credit loss provision to net charge-offs123.7527%4,255
Earnings coverage of net charge-offs (x)0.4619%5,648
Efficiency ratio69.7802%4,671
Assets per employee ($millions)6.3452%1,051
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.6328%1,091
Loan loss allowance to noncurrent loans45.1933%5,386
Noncurrent assets plus other real estate owned to assets4.6544%1,373
Noncurrent loans to loans5.8256%1,083
Net loans and leases to total assets70.1894%3,209
Net loans and leases to deposits92.4125%1,830
Net loans and leases to core deposits109.4784%2,954
Total domestic deposits to total assets73.4480%7,096
Equity capital to assets10.9418%2,745
Core capital (leverage) ratio7.5076%6,783
Tier 1 risk-based capital ratio8.7614%7,548
Total risk-based capital ratio11.9839%6,151
Memoranda:
Average total assets$171,997,451,4008
Average earning assets$146,991,506,6008
Average equity$18,601,042,80013
Average total loans$126,506,948,6008
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4935%7,510
Cost of funding earning assets1.4126%6,177
Net interest margin3.0809%6,364
Noninterest income to average assets1.8842%419
Noninterest expense to average assets3.6479%1,927
Loan and lease loss provision to assets2.3691%715
Net operating income to assets-1.0041%6,835
Return on assets (ROA)-1.0023%6,842
Pretax return on assets-1.4977%6,962
Return on Equity (ROE)-9.2934%6,837
Retained earnings to average equity (ytd only)-9.2934%6,737
Net charge-offs to loans2.5077%732
Credit loss provision to net charge-offs127.8466%3,925
Earnings coverage of net charge-offs (x)0.4669%5,565
Efficiency ratio67.4579%5,080
Assets per employee ($millions)6.4146%1,025
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.4957%1,064
Loan loss allowance to noncurrent loans43.4861%5,416
Noncurrent assets plus other real estate owned to assets4.5838%1,326
Noncurrent loans to loans5.7392%1,066
Net loans and leases to total assets71.0757%3,252
Net loans and leases to deposits93.9350%1,890
Net loans and leases to core deposits116.7176%2,549
Total domestic deposits to total assets71.4699%7,283
Equity capital to assets11.0313%2,981
Core capital (leverage) ratio7.5527%6,915
Tier 1 risk-based capital ratio8.5407%7,727
Total risk-based capital ratio11.6804%6,492
Memoranda:
Average total assets$173,911,603,2507
Average earning assets$148,395,879,5007
Average equity$18,755,826,50012
Average total loans$128,516,459,0007
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4663%7,651
Cost of funding earning assets1.4861%6,194
Net interest margin2.9802%6,609
Noninterest income to average assets2.2013%324
Noninterest expense to average assets3.8999%1,484
Loan and lease loss provision to assets2.2168%722
Net operating income to assets-1.0430%7,018
Return on assets (ROA)-1.0755%7,034
Pretax return on assets-1.4073%7,039
Return on Equity (ROE)-10.0450%7,041
Retained earnings to average equity (ytd only)-10.0450%6,883
Net charge-offs to loans2.1544%858
Credit loss provision to net charge-offs138.6572%3,371
Earnings coverage of net charge-offs (x)0.5316%5,177
Efficiency ratio63.5930%5,985
Assets per employee ($millions)6.4496%985
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.2127%1,222
Loan loss allowance to noncurrent loans41.8776%5,560
Noncurrent assets plus other real estate owned to assets4.4565%1,263
Noncurrent loans to loans5.2837%1,126
Net loans and leases to total assets75.2081%2,392
Net loans and leases to deposits103.0110%987
Net loans and leases to core deposits126.9079%1,790
Total domestic deposits to total assets69.6676%7,504
Equity capital to assets10.8210%3,088
Core capital (leverage) ratio7.5143%6,991
Tier 1 risk-based capital ratio8.3478%7,870
Total risk-based capital ratio11.2637%6,836
Memoranda:
Average total assets$176,491,801,3307
Average earning assets$150,925,393,3307
Average equity$18,897,475,33010
Average total loans$130,978,496,0007
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4583%7,753
Cost of funding earning assets1.5539%6,220
Net interest margin2.9044%6,732
Noninterest income to average assets2.2843%288
Noninterest expense to average assets4.5497%679
Loan and lease loss provision to assets2.2132%531
Net operating income to assets-1.7318%7,581
Return on assets (ROA)-1.7427%7,590
Pretax return on assets-2.0204%7,541
Return on Equity (ROE)-16.3585%7,652
Retained earnings to average equity (ytd only)-16.3585%7,505
Net charge-offs to loans1.8618%778
Credit loss provision to net charge-offs162.9859%2,610
Earnings coverage of net charge-offs (x)0.1505%4,854
Efficiency ratio59.8923%6,421
Assets per employee ($millions)6.4396%988
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.0867%1,259
Loan loss allowance to noncurrent loans45.7113%5,465
Noncurrent assets plus other real estate owned to assets3.8163%1,380
Noncurrent loans to loans4.5650%1,251
Net loans and leases to total assets73.6307%2,859
Net loans and leases to deposits102.3651%1,140
Net loans and leases to core deposits130.2760%1,642
Total domestic deposits to total assets68.2993%7,575
Equity capital to assets10.7780%3,208
Core capital (leverage) ratio7.4200%7,254
Tier 1 risk-based capital ratio8.0772%8,003
Total risk-based capital ratio11.0405%7,058
Memoranda:
Average total assets$179,667,726,5008
Average earning assets$152,781,844,5007
Average equity$19,140,815,50010
Average total loans$131,040,569,5007
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3900%7,474
Cost of funding earning assets2.2292%5,462
Net interest margin3.1609%6,489
Noninterest income to average assets1.6645%499
Noninterest expense to average assets3.0108%4,049
Loan and lease loss provision to assets1.4024%989
Net operating income to assets-0.0187%6,400
Return on assets (ROA)0.5530%4,367
Pretax return on assets0.5869%4,731
Return on Equity (ROE)4.9363%4,417
Retained earnings to average equity (ytd only)0.0796%5,187
Net charge-offs to loans1.1834%1,022
Credit loss provision to net charge-offs158.1845%3,283
Earnings coverage of net charge-offs (x)1.5578%5,319
Efficiency ratio67.7386%4,769
Assets per employee ($millions)6.8570%753
Cash dividends to net income (ytd only)*98.3878%1,039
Condition Ratios (%)
Loss allowance to loans1.7931%1,651
Loan loss allowance to noncurrent loans47.2725%5,655
Noncurrent assets plus other real estate owned to assets2.9978%1,533
Noncurrent loans to loans3.7932%1,312
Net loans and leases to total assets69.5333%4,131
Net loans and leases to deposits107.1504%1,029
Net loans and leases to core deposits138.8485%1,324
Total domestic deposits to total assets61.2845%7,915
Equity capital to assets10.5362%3,456
Core capital (leverage) ratio7.6042%7,071
Tier 1 risk-based capital ratio7.8808%8,101
Total risk-based capital ratio10.8704%7,069
Memoranda:
Average total assets$176,430,171,0008
Average earning assets$152,234,910,8007
Average equity$19,766,570,80010
Average total loans$132,168,708,2007