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TCF National Bank, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6792%2,413
Cost of funding earning assets0.2152%3,771
Net interest margin3.4641%1,922
Noninterest income to average assets1.0807%1,010
Noninterest expense to average assets2.8444%1,274
Loan and lease loss provision to assets0.1692%736
Net operating income to assets1.0496%2,638
Return on assets (ROA)1.0350%2,776
Pretax return on assets1.1963%2,855
Return on Equity (ROE)9.2451%2,945
Retained earnings to average equity (ytd only)5.5688%3,042
Net charge-offs to loans0.5134%162
Credit loss provision to net charge-offs48.1864%1,319
Earnings coverage of net charge-offs (x)3.6788%1,755
Efficiency ratio66.3250%2,179
Assets per employee ($millions)7.2053%1,644
Cash dividends to net income (ytd only)*39.7643%1,391
Condition Ratios (%)
Loss allowance to loans1.3891%2,009
Loan loss allowance to noncurrent loans73.4203%3,674
Noncurrent assets plus other real estate owned to assets1.4584%447
Noncurrent loans to loans1.8920%591
Net loans and leases to total assets72.4869%956
Net loans and leases to deposits89.6150%720
Net loans and leases to core deposits97.4982%821
Total domestic deposits to total assets80.8871%4,077
Equity capital to assets10.9026%1,934
Core capital (leverage) ratio8.7267%3,887
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9649%2,685
Memoranda:
Average total assets$48,594,429,50052
Average earning assets$44,100,122,00050
Average equity$5,440,340,00049
Average total loans$35,508,552,00043
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0555%2,565
Cost of funding earning assets0.5199%2,816
Net interest margin3.5357%2,352
Noninterest income to average assets1.0618%942
Noninterest expense to average assets3.1286%1,178
Loan and lease loss provision to assets0.5240%446
Net operating income to assets0.5148%3,999
Return on assets (ROA)0.5037%4,105
Pretax return on assets0.5991%4,081
Return on Equity (ROE)4.4282%4,050
Retained earnings to average equity (ytd only)-0.0488%4,523
Net charge-offs to loans0.1282%1,227
Credit loss provision to net charge-offs557.2768%1,168
Earnings coverage of net charge-offs (x)12.0533%2,360
Efficiency ratio72.3354%1,637
Assets per employee ($millions)6.9419%1,621
Cash dividends to net income (ytd only)*101.1026%243
Condition Ratios (%)
Loss allowance to loans1.5160%1,531
Loan loss allowance to noncurrent loans76.7976%3,644
Noncurrent assets plus other real estate owned to assets1.5062%486
Noncurrent loans to loans1.9740%591
Net loans and leases to total assets71.5184%1,360
Net loans and leases to deposits87.4784%1,137
Net loans and leases to core deposits96.6152%1,086
Total domestic deposits to total assets81.7555%3,718
Equity capital to assets11.4984%1,884
Core capital (leverage) ratio8.9655%3,729
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5080%2,444
Memoranda:
Average total assets$48,107,001,40051
Average earning assets$43,541,645,20050
Average equity$5,472,359,20047
Average total loans$35,293,443,60044
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1430%2,541
Cost of funding earning assets0.6006%2,614
Net interest margin3.5424%2,447
Noninterest income to average assets1.0666%915
Noninterest expense to average assets3.2119%1,057
Loan and lease loss provision to assets0.6348%379
Net operating income to assets0.3809%4,302
Return on assets (ROA)0.3703%4,383
Pretax return on assets0.4138%4,413
Return on Equity (ROE)3.2639%4,341
Retained earnings to average equity (ytd only)-1.4915%4,661
Net charge-offs to loans0.1249%1,131
Credit loss provision to net charge-offs691.1676%1,079
Earnings coverage of net charge-offs (x)11.5263%2,299
Efficiency ratio73.1966%1,494
Assets per employee ($millions)6.8040%1,621
Cash dividends to net income (ytd only)*145.6964%101
Condition Ratios (%)
Loss allowance to loans1.4804%1,446
Loan loss allowance to noncurrent loans133.8337%2,882
Noncurrent assets plus other real estate owned to assets0.8896%1,298
Noncurrent loans to loans1.1061%1,364
Net loans and leases to total assets72.1379%1,644
Net loans and leases to deposits87.0340%1,589
Net loans and leases to core deposits96.1348%1,446
Total domestic deposits to total assets82.8847%3,173
Equity capital to assets11.4513%2,049
Core capital (leverage) ratio8.4310%4,359
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4836%2,428
Memoranda:
Average total assets$48,191,872,50049
Average earning assets$43,586,975,00050
Average equity$5,467,329,25047
Average total loans$35,444,695,50044
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2706%2,543
Cost of funding earning assets0.7016%2,373
Net interest margin3.5690%2,582
Noninterest income to average assets1.1202%791
Noninterest expense to average assets3.2665%1,049
Loan and lease loss provision to assets0.6243%498
Net operating income to assets0.3647%4,305
Return on assets (ROA)0.3466%4,398
Pretax return on assets0.4356%4,360
Return on Equity (ROE)3.0649%4,339
Retained earnings to average equity (ytd only)-2.7794%4,642
Net charge-offs to loans0.0503%1,764
Credit loss provision to net charge-offs1,684.6823%558
Earnings coverage of net charge-offs (x)29.0905%1,458
Efficiency ratio74.1506%1,446
Assets per employee ($millions)7.3005%1,279
Cash dividends to net income (ytd only)*190.6850%118
Condition Ratios (%)
Loss allowance to loans1.2784%2,109
Loan loss allowance to noncurrent loans153.9782%2,570
Noncurrent assets plus other real estate owned to assets0.6873%1,784
Noncurrent loans to loans0.8303%1,836
Net loans and leases to total assets71.1511%1,848
Net loans and leases to deposits90.3286%1,324
Net loans and leases to core deposits101.2581%1,168
Total domestic deposits to total assets78.7692%4,070
Equity capital to assets10.8598%2,455
Core capital (leverage) ratio8.3440%4,523
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9310%2,645
Memoranda:
Average total assets$48,411,691,33348
Average earning assets$43,736,588,66746
Average equity$5,475,409,33346
Average total loans$35,658,221,33341
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6239%1,930
Cost of funding earning assets0.8770%1,982
Net interest margin3.7469%2,159
Noninterest income to average assets1.1779%632
Noninterest expense to average assets3.1481%1,530
Loan and lease loss provision to assets0.7815%314
Net operating income to assets0.4927%3,910
Return on assets (ROA)0.4766%4,010
Pretax return on assets0.6059%3,909
Return on Equity (ROE)4.1274%3,917
Retained earnings to average equity (ytd only)-0.9674%4,135
Net charge-offs to loans0.0622%1,389
Credit loss provision to net charge-offs1,687.9651%384
Earnings coverage of net charge-offs (x)30.3149%1,178
Efficiency ratio68.1607%2,640
Assets per employee ($millions)6.6325%1,273
Cash dividends to net income (ytd only)*123.4394%592
Condition Ratios (%)
Loss allowance to loans1.1223%3,077
Loan loss allowance to noncurrent loans158.7155%2,442
Noncurrent assets plus other real estate owned to assets0.6108%2,173
Noncurrent loans to loans0.7071%2,234
Net loans and leases to total assets73.7239%1,657
Net loans and leases to deposits99.3375%599
Net loans and leases to core deposits112.7899%721
Total domestic deposits to total assets74.2156%4,644
Equity capital to assets11.2542%2,634
Core capital (leverage) ratio8.9264%4,520
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8572%3,141
Memoranda:
Average total assets$47,595,085,50046
Average earning assets$42,854,011,50046
Average equity$5,495,717,00045
Average total loans$35,453,020,50041
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2715%873
Cost of funding earning assets0.9913%1,762
Net interest margin4.2801%1,135
Noninterest income to average assets1.4071%482
Noninterest expense to average assets3.8117%662
Loan and lease loss provision to assets0.1977%1,028
Net operating income to assets1.1050%2,425
Return on assets (ROA)1.0894%2,583
Pretax return on assets1.2886%2,545
Return on Equity (ROE)9.7320%2,426
Retained earnings to average equity (ytd only)3.6449%3,172
Net charge-offs to loans0.4304%445
Credit loss provision to net charge-offs59.4754%3,042
Earnings coverage of net charge-offs (x)4.5079%3,210
Efficiency ratio71.1272%2,002
Assets per employee ($millions)5.9948%1,639
Cash dividends to net income (ytd only)*62.5476%1,457
Condition Ratios (%)
Loss allowance to loans0.3258%5,027
Loan loss allowance to noncurrent loans56.6013%3,990
Noncurrent assets plus other real estate owned to assets0.5063%2,391
Noncurrent loans to loans0.5756%2,461
Net loans and leases to total assets74.1715%1,722
Net loans and leases to deposits99.7749%621
Net loans and leases to core deposits111.7395%764
Total domestic deposits to total assets74.3388%4,753
Equity capital to assets11.8516%2,236
Core capital (leverage) ratio9.1036%4,445
Tier 1 risk-based capital ratio11.0251%4,851
Total risk-based capital ratio12.2871%4,746
Memoranda:
Average total assets$33,019,111,00059
Average earning assets$30,110,255,40057
Average equity$3,696,335,00065
Average total loans$25,502,810,60051
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3025%860
Cost of funding earning assets0.9711%1,887
Net interest margin4.3314%1,096
Noninterest income to average assets1.3787%486
Noninterest expense to average assets3.8247%636
Loan and lease loss provision to assets0.2290%741
Net operating income to assets1.0967%2,582
Return on assets (ROA)1.0828%2,734
Pretax return on assets1.2784%2,731
Return on Equity (ROE)9.9013%2,475
Retained earnings to average equity (ytd only)3.7266%3,535
Net charge-offs to loans0.5008%340
Credit loss provision to net charge-offs58.3749%2,722
Earnings coverage of net charge-offs (x)3.8645%3,068
Efficiency ratio71.1039%1,952
Assets per employee ($millions)5.7957%1,768
Cash dividends to net income (ytd only)*62.3631%1,202
Condition Ratios (%)
Loss allowance to loans0.3469%5,094
Loan loss allowance to noncurrent loans54.2244%4,117
Noncurrent assets plus other real estate owned to assets0.5545%2,342
Noncurrent loans to loans0.6397%2,372
Net loans and leases to total assets76.2252%1,441
Net loans and leases to deposits98.1399%807
Net loans and leases to core deposits111.6796%860
Total domestic deposits to total assets77.6700%4,413
Equity capital to assets12.0021%2,258
Core capital (leverage) ratio10.6839%2,944
Tier 1 risk-based capital ratio10.9122%4,954
Total risk-based capital ratio12.1971%4,816
Memoranda:
Average total assets$29,617,047,25066
Average earning assets$27,093,030,00063
Average equity$3,238,899,25071
Average total loans$23,204,200,75055
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5428%524
Cost of funding earning assets0.9772%1,805
Net interest margin4.5656%665
Noninterest income to average assets1.7560%319
Noninterest expense to average assets3.9567%567
Loan and lease loss provision to assets0.1953%887
Net operating income to assets1.4543%1,283
Return on assets (ROA)1.4101%1,458
Pretax return on assets1.7709%1,113
Return on Equity (ROE)13.7347%1,045
Retained earnings to average equity (ytd only)1.6899%4,214
Net charge-offs to loans0.3598%465
Credit loss provision to net charge-offs68.2659%2,330
Earnings coverage of net charge-offs (x)7.0180%2,528
Efficiency ratio66.1142%2,793
Assets per employee ($millions)4.9320%2,561
Cash dividends to net income (ytd only)*87.6962%667
Condition Ratios (%)
Loss allowance to loans0.7607%4,581
Loan loss allowance to noncurrent loans127.5225%2,924
Noncurrent assets plus other real estate owned to assets0.5236%2,466
Noncurrent loans to loans0.5965%2,484
Net loans and leases to total assets77.5654%1,301
Net loans and leases to deposits99.0064%750
Net loans and leases to core deposits110.4203%952
Total domestic deposits to total assets78.3438%4,339
Equity capital to assets10.2184%3,782
Core capital (leverage) ratio9.5945%4,049
Tier 1 risk-based capital ratio11.1222%4,861
Total risk-based capital ratio12.7554%4,576
Memoranda:
Average total assets$24,260,141,00076
Average earning assets$22,362,604,00075
Average equity$2,490,704,67085
Average total loans$19,289,994,00066
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5647%462
Cost of funding earning assets0.9446%1,814
Net interest margin4.6202%585
Noninterest income to average assets1.6852%317
Noninterest expense to average assets4.0482%503
Loan and lease loss provision to assets0.1682%996
Net operating income to assets1.3393%1,561
Return on assets (ROA)1.2961%1,749
Pretax return on assets1.6948%1,221
Return on Equity (ROE)12.5937%1,358
Retained earnings to average equity (ytd only)10.1716%993
Net charge-offs to loans0.4068%379
Credit loss provision to net charge-offs51.5482%1,965
Earnings coverage of net charge-offs (x)5.8367%2,236
Efficiency ratio67.7785%2,668
Assets per employee ($millions)4.8467%2,716
Cash dividends to net income (ytd only)*19.2330%2,484
Condition Ratios (%)
Loss allowance to loans0.7609%4,630
Loan loss allowance to noncurrent loans134.0241%2,862
Noncurrent assets plus other real estate owned to assets0.5509%2,444
Noncurrent loans to loans0.5677%2,626
Net loans and leases to total assets78.9952%988
Net loans and leases to deposits100.8714%564
Net loans and leases to core deposits112.6793%798
Total domestic deposits to total assets78.3128%4,464
Equity capital to assets10.3468%3,477
Core capital (leverage) ratio9.9177%3,688
Tier 1 risk-based capital ratio11.3175%4,831
Total risk-based capital ratio13.0600%4,465
Memoranda:
Average total assets$24,070,054,50077
Average earning assets$22,233,505,00075
Average equity$2,477,134,00085
Average total loans$19,305,559,00067
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4399%452
Cost of funding earning assets0.7027%2,075
Net interest margin4.7372%458
Noninterest income to average assets1.9154%288
Noninterest expense to average assets4.3451%351
Loan and lease loss provision to assets0.2012%941
Net operating income to assets1.3742%1,517
Return on assets (ROA)1.3269%1,685
Pretax return on assets1.7013%1,166
Return on Equity (ROE)12.6498%1,487
Retained earnings to average equity (ytd only)-5.0223%5,246
Net charge-offs to loans0.3159%610
Credit loss provision to net charge-offs77.6877%2,900
Earnings coverage of net charge-offs (x)7.5291%2,984
Efficiency ratio68.7963%2,421
Assets per employee ($millions)4.5047%3,161
Cash dividends to net income (ytd only)*139.7024%108
Condition Ratios (%)
Loss allowance to loans0.8216%4,458
Loan loss allowance to noncurrent loans138.8878%2,854
Noncurrent assets plus other real estate owned to assets0.5607%2,367
Noncurrent loans to loans0.5916%2,515
Net loans and leases to total assets80.1650%912
Net loans and leases to deposits99.8405%756
Net loans and leases to core deposits113.3932%805
Total domestic deposits to total assets80.2930%4,044
Equity capital to assets10.2342%3,438
Core capital (leverage) ratio9.9704%3,620
Tier 1 risk-based capital ratio11.1907%4,868
Total risk-based capital ratio13.0143%4,463
Memoranda:
Average total assets$23,250,202,60077
Average earning assets$21,493,317,40075
Average equity$2,438,867,20084
Average total loans$19,055,625,00063
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4159%432
Cost of funding earning assets0.6621%2,082
Net interest margin4.7538%414
Noninterest income to average assets1.8663%307
Noninterest expense to average assets4.3807%329
Loan and lease loss provision to assets0.1606%1,201
Net operating income to assets1.3307%1,740
Return on assets (ROA)1.2810%1,924
Pretax return on assets1.6713%1,340
Return on Equity (ROE)12.1365%1,744
Retained earnings to average equity (ytd only)-5.9356%5,332
Net charge-offs to loans0.2680%618
Credit loss provision to net charge-offs72.8846%2,604
Earnings coverage of net charge-offs (x)8.5363%2,696
Efficiency ratio69.7193%2,242
Assets per employee ($millions)4.3355%3,377
Cash dividends to net income (ytd only)*148.9073%82
Condition Ratios (%)
Loss allowance to loans0.8666%4,382
Loan loss allowance to noncurrent loans166.2743%2,571
Noncurrent assets plus other real estate owned to assets0.5144%2,673
Noncurrent loans to loans0.5212%2,823
Net loans and leases to total assets80.1629%995
Net loans and leases to deposits98.6560%893
Net loans and leases to core deposits110.6151%995
Total domestic deposits to total assets81.2549%3,799
Equity capital to assets10.5052%3,137
Core capital (leverage) ratio10.1637%3,449
Tier 1 risk-based capital ratio11.4932%4,790
Total risk-based capital ratio13.3672%4,326
Memoranda:
Average total assets$23,135,746,25077
Average earning assets$21,393,193,75074
Average equity$2,442,001,75083
Average total loans$19,028,787,50063
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3553%423
Cost of funding earning assets0.6334%2,027
Net interest margin4.7219%412
Noninterest income to average assets1.8442%305
Noninterest expense to average assets4.4317%315
Loan and lease loss provision to assets0.2207%741
Net operating income to assets1.2190%2,107
Return on assets (ROA)1.1668%2,325
Pretax return on assets1.5078%1,790
Return on Equity (ROE)11.0376%2,095
Retained earnings to average equity (ytd only)-13.3373%5,455
Net charge-offs to loans0.3224%496
Credit loss provision to net charge-offs82.7484%2,232
Earnings coverage of net charge-offs (x)6.6771%2,604
Efficiency ratio71.1080%2,146
Assets per employee ($millions)4.3248%3,395
Cash dividends to net income (ytd only)*220.8353%48
Condition Ratios (%)
Loss allowance to loans0.8760%4,442
Loan loss allowance to noncurrent loans132.6406%2,971
Noncurrent assets plus other real estate owned to assets0.6164%2,373
Noncurrent loans to loans0.6604%2,461
Net loans and leases to total assets80.7866%887
Net loans and leases to deposits101.2363%716
Net loans and leases to core deposits112.5276%858
Total domestic deposits to total assets79.8001%4,280
Equity capital to assets10.1971%3,441
Core capital (leverage) ratio9.8291%3,756
Tier 1 risk-based capital ratio10.9749%5,065
Total risk-based capital ratio12.8336%4,630
Memoranda:
Average total assets$23,207,079,33075
Average earning assets$21,467,554,33074
Average equity$2,453,342,00083
Average total loans$19,193,266,33062
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2475%445
Cost of funding earning assets0.6006%2,052
Net interest margin4.6469%450
Noninterest income to average assets1.8246%302
Noninterest expense to average assets4.2005%408
Loan and lease loss provision to assets0.1959%849
Net operating income to assets1.3346%1,523
Return on assets (ROA)1.2896%1,679
Pretax return on assets1.6835%1,160
Return on Equity (ROE)11.9865%1,584
Retained earnings to average equity (ytd only)-16.6851%5,476
Net charge-offs to loans0.3032%500
Credit loss provision to net charge-offs77.5549%1,766
Earnings coverage of net charge-offs (x)7.6178%2,071
Efficiency ratio68.3494%2,776
Assets per employee ($millions)4.3451%3,406
Cash dividends to net income (ytd only)*239.1993%131
Condition Ratios (%)
Loss allowance to loans0.8629%4,589
Loan loss allowance to noncurrent loans127.8088%3,013
Noncurrent assets plus other real estate owned to assets0.6398%2,397
Noncurrent loans to loans0.6752%2,528
Net loans and leases to total assets82.3249%626
Net loans and leases to deposits102.2809%565
Net loans and leases to core deposits113.6831%817
Total domestic deposits to total assets80.4890%4,325
Equity capital to assets10.3875%3,183
Core capital (leverage) ratio10.1432%3,367
Tier 1 risk-based capital ratio11.0764%5,095
Total risk-based capital ratio13.0157%4,582
Memoranda:
Average total assets$23,211,547,50076
Average earning assets$21,479,426,50073
Average equity$2,497,244,50082
Average total loans$19,336,591,00063
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0545%581
Cost of funding earning assets0.4584%2,694
Net interest margin4.5961%508
Noninterest income to average assets1.9185%313
Noninterest expense to average assets4.7448%260
Loan and lease loss provision to assets0.3072%556
Net operating income to assets1.2610%1,325
Return on assets (ROA)1.2165%1,491
Pretax return on assets1.0727%3,286
Return on Equity (ROE)11.0887%1,440
Retained earnings to average equity (ytd only)8.4297%637
Net charge-offs to loans0.3083%829
Credit loss provision to net charge-offs118.4524%2,212
Earnings coverage of net charge-offs (x)5.4927%3,319
Efficiency ratio71.4275%2,316
Assets per employee ($millions)3.9973%3,966
Cash dividends to net income (ytd only)*23.9793%3,533
Condition Ratios (%)
Loss allowance to loans0.8890%4,529
Loan loss allowance to noncurrent loans136.2724%2,990
Noncurrent assets plus other real estate owned to assets0.6308%2,436
Noncurrent loans to loans0.6524%2,586
Net loans and leases to total assets82.8317%583
Net loans and leases to deposits103.1943%538
Net loans and leases to core deposits114.5057%776
Total domestic deposits to total assets80.2677%4,290
Equity capital to assets11.1360%2,500
Core capital (leverage) ratio10.7002%2,648
Tier 1 risk-based capital ratio11.6770%4,735
Total risk-based capital ratio13.6522%4,171
Memoranda:
Average total assets$22,281,783,20077
Average earning assets$20,606,639,40075
Average equity$2,444,534,40080
Average total loans$18,742,973,80060
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9878%626
Cost of funding earning assets0.4272%2,908
Net interest margin4.5606%525
Noninterest income to average assets1.8853%336
Noninterest expense to average assets4.2982%374
Loan and lease loss provision to assets0.2787%585
Net operating income to assets1.0484%2,336
Return on assets (ROA)1.0016%2,598
Pretax return on assets1.4814%1,838
Return on Equity (ROE)9.1652%2,516
Retained earnings to average equity (ytd only)7.6744%1,356
Net charge-offs to loans0.2745%784
Credit loss provision to net charge-offs120.4622%2,000
Earnings coverage of net charge-offs (x)7.8096%2,836
Efficiency ratio70.2924%2,491
Assets per employee ($millions)3.9428%4,086
Cash dividends to net income (ytd only)*16.2656%3,284
Condition Ratios (%)
Loss allowance to loans0.8743%4,680
Loan loss allowance to noncurrent loans131.4355%3,040
Noncurrent assets plus other real estate owned to assets0.6722%2,483
Noncurrent loans to loans0.6652%2,708
Net loans and leases to total assets82.8703%563
Net loans and leases to deposits103.6296%520
Net loans and leases to core deposits114.6416%801
Total domestic deposits to total assets79.9678%4,318
Equity capital to assets10.8515%3,015
Core capital (leverage) ratio10.5318%2,952
Tier 1 risk-based capital ratio11.0509%5,214
Total risk-based capital ratio13.0198%4,657
Memoranda:
Average total assets$22,097,101,25077
Average earning assets$20,444,788,25074
Average equity$2,414,779,75079
Average total loans$18,618,886,75060
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9753%588
Cost of funding earning assets0.4150%2,931
Net interest margin4.5603%506
Noninterest income to average assets1.9020%340
Noninterest expense to average assets4.3749%344
Loan and lease loss provision to assets0.2904%537
Net operating income to assets1.0127%2,367
Return on assets (ROA)0.9634%2,650
Pretax return on assets1.4093%1,984
Return on Equity (ROE)8.7937%2,610
Retained earnings to average equity (ytd only)7.3694%1,416
Net charge-offs to loans0.2861%709
Credit loss provision to net charge-offs120.1177%1,773
Earnings coverage of net charge-offs (x)7.2344%2,622
Efficiency ratio71.3865%2,456
Assets per employee ($millions)3.7476%4,360
Cash dividends to net income (ytd only)*16.1970%3,240
Condition Ratios (%)
Loss allowance to loans0.8934%4,664
Loan loss allowance to noncurrent loans124.2339%3,158
Noncurrent assets plus other real estate owned to assets0.7359%2,360
Noncurrent loans to loans0.7191%2,593
Net loans and leases to total assets83.2519%519
Net loans and leases to deposits104.0650%493
Net loans and leases to core deposits113.0523%846
Total domestic deposits to total assets79.9999%4,406
Equity capital to assets11.0697%2,735
Core capital (leverage) ratio10.3944%3,028
Tier 1 risk-based capital ratio11.2567%5,113
Total risk-based capital ratio13.2923%4,487
Memoranda:
Average total assets$21,790,167,00076
Average earning assets$20,173,311,67073
Average equity$2,387,107,67078
Average total loans$18,410,764,00060
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9222%601
Cost of funding earning assets0.4050%2,946
Net interest margin4.5172%509
Noninterest income to average assets1.8298%354
Noninterest expense to average assets4.5112%329
Loan and lease loss provision to assets0.2253%696
Net operating income to assets0.8640%2,927
Return on assets (ROA)0.8213%3,172
Pretax return on assets1.2401%2,449
Return on Equity (ROE)7.5375%3,148
Retained earnings to average equity (ytd only)6.3507%2,162
Net charge-offs to loans0.2685%681
Credit loss provision to net charge-offs99.0093%1,627
Earnings coverage of net charge-offs (x)6.6281%2,201
Efficiency ratio74.9091%2,082
Assets per employee ($millions)3.6198%4,614
Cash dividends to net income (ytd only)*15.7463%2,602
Condition Ratios (%)
Loss allowance to loans0.8620%4,890
Loan loss allowance to noncurrent loans110.9967%3,439
Noncurrent assets plus other real estate owned to assets0.8068%2,284
Noncurrent loans to loans0.7766%2,523
Net loans and leases to total assets84.3209%332
Net loans and leases to deposits104.6127%379
Net loans and leases to core deposits113.0075%724
Total domestic deposits to total assets80.6029%4,502
Equity capital to assets10.8918%2,752
Core capital (leverage) ratio10.2663%3,167
Tier 1 risk-based capital ratio11.1460%5,231
Total risk-based capital ratio13.2717%4,595
Memoranda:
Average total assets$21,650,374,00076
Average earning assets$20,079,461,00073
Average equity$2,359,128,50076
Average total loans$18,346,592,00058
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8478%804
Cost of funding earning assets0.4236%2,772
Net interest margin4.4242%734
Noninterest income to average assets2.1309%316
Noninterest expense to average assets4.3058%445
Loan and lease loss provision to assets0.3117%601
Net operating income to assets1.0636%2,070
Return on assets (ROA)1.0164%2,384
Pretax return on assets1.5726%1,365
Return on Equity (ROE)9.3758%2,240
Retained earnings to average equity (ytd only)6.6258%1,395
Net charge-offs to loans0.3454%791
Credit loss provision to net charge-offs106.7131%2,441
Earnings coverage of net charge-offs (x)6.6155%3,142
Efficiency ratio68.9185%3,089
Assets per employee ($millions)3.5581%4,670
Cash dividends to net income (ytd only)*29.3310%3,345
Condition Ratios (%)
Loss allowance to loans0.8848%4,842
Loan loss allowance to noncurrent loans85.6412%3,903
Noncurrent assets plus other real estate owned to assets1.0904%1,720
Noncurrent loans to loans1.0332%2,010
Net loans and leases to total assets83.6738%414
Net loans and leases to deposits103.2316%454
Net loans and leases to core deposits111.4569%809
Total domestic deposits to total assets81.0545%4,318
Equity capital to assets10.9013%2,711
Core capital (leverage) ratio10.3188%3,082
Tier 1 risk-based capital ratio11.2311%5,202
Total risk-based capital ratio13.4200%4,476
Memoranda:
Average total assets$21,132,918,40073
Average earning assets$19,619,771,40071
Average equity$2,290,902,80074
Average total loans$17,874,562,00058
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8683%780
Cost of funding earning assets0.4280%2,755
Net interest margin4.4403%720
Noninterest income to average assets2.1373%325
Noninterest expense to average assets4.3199%437
Loan and lease loss provision to assets0.2912%589
Net operating income to assets1.0919%2,031
Return on assets (ROA)1.0409%2,364
Pretax return on assets1.5981%1,382
Return on Equity (ROE)9.6157%2,218
Retained earnings to average equity (ytd only)6.8659%1,695
Net charge-offs to loans0.3468%660
Credit loss provision to net charge-offs99.2339%2,395
Earnings coverage of net charge-offs (x)6.6166%2,983
Efficiency ratio68.8778%3,066
Assets per employee ($millions)3.5083%4,772
Cash dividends to net income (ytd only)*28.5970%2,885
Condition Ratios (%)
Loss allowance to loans0.8769%4,948
Loan loss allowance to noncurrent loans80.0416%4,048
Noncurrent assets plus other real estate owned to assets1.0873%1,884
Noncurrent loans to loans1.0956%2,063
Net loans and leases to total assets83.5039%458
Net loans and leases to deposits101.3230%619
Net loans and leases to core deposits109.6833%942
Total domestic deposits to total assets82.4135%3,805
Equity capital to assets11.1167%2,901
Core capital (leverage) ratio10.2464%3,285
Tier 1 risk-based capital ratio11.3924%5,161
Total risk-based capital ratio13.6222%4,458
Memoranda:
Average total assets$21,052,347,25074
Average earning assets$19,554,870,25071
Average equity$2,278,907,00075
Average total loans$17,815,037,75058
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8490%801
Cost of funding earning assets0.4293%2,743
Net interest margin4.4198%730
Noninterest income to average assets2.1390%318
Noninterest expense to average assets4.3122%442
Loan and lease loss provision to assets0.3051%578
Net operating income to assets1.0767%2,055
Return on assets (ROA)1.0265%2,405
Pretax return on assets1.5752%1,436
Return on Equity (ROE)9.5689%2,245
Retained earnings to average equity (ytd only)6.7330%1,747
Net charge-offs to loans0.3338%709
Credit loss provision to net charge-offs107.8360%1,994
Earnings coverage of net charge-offs (x)6.8252%2,696
Efficiency ratio68.9602%3,158
Assets per employee ($millions)3.4635%4,813
Cash dividends to net income (ytd only)*29.6359%2,858
Condition Ratios (%)
Loss allowance to loans0.8893%4,991
Loan loss allowance to noncurrent loans79.8646%4,121
Noncurrent assets plus other real estate owned to assets1.1214%1,880
Noncurrent loans to loans1.1135%2,065
Net loans and leases to total assets83.8380%434
Net loans and leases to deposits101.8557%571
Net loans and leases to core deposits110.2395%921
Total domestic deposits to total assets82.3106%3,906
Equity capital to assets10.9521%3,111
Core capital (leverage) ratio9.9657%3,604
Tier 1 risk-based capital ratio11.2039%5,313
Total risk-based capital ratio13.4515%4,621
Memoranda:
Average total assets$21,038,004,67075
Average earning assets$19,535,648,00071
Average equity$2,256,840,00075
Average total loans$17,829,619,67058
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8356%789
Cost of funding earning assets0.4264%2,802
Net interest margin4.4092%726
Noninterest income to average assets2.0955%319
Noninterest expense to average assets4.3067%450
Loan and lease loss provision to assets0.3586%413
Net operating income to assets0.9924%2,317
Return on assets (ROA)0.9485%2,631
Pretax return on assets1.4755%1,673
Return on Equity (ROE)8.9353%2,456
Retained earnings to average equity (ytd only)6.6045%2,077
Net charge-offs to loans0.3364%663
Credit loss provision to net charge-offs125.6720%1,390
Earnings coverage of net charge-offs (x)6.5845%2,229
Efficiency ratio69.5136%3,213
Assets per employee ($millions)3.4175%4,934
Cash dividends to net income (ytd only)*26.0856%2,445
Condition Ratios (%)
Loss allowance to loans0.8861%5,103
Loan loss allowance to noncurrent loans79.0790%4,103
Noncurrent assets plus other real estate owned to assets1.1482%1,917
Noncurrent loans to loans1.1206%2,153
Net loans and leases to total assets83.9327%377
Net loans and leases to deposits102.5234%484
Net loans and leases to core deposits110.4014%834
Total domestic deposits to total assets81.8668%4,262
Equity capital to assets10.5763%3,394
Core capital (leverage) ratio9.9250%3,632
Tier 1 risk-based capital ratio11.0657%5,474
Total risk-based capital ratio13.3317%4,775
Memoranda:
Average total assets$21,017,594,50076
Average earning assets$19,496,115,50072
Average equity$2,230,978,00076
Average total loans$17,829,108,00057
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8952%775
Cost of funding earning assets0.3897%3,270
Net interest margin4.5055%642
Noninterest income to average assets2.1149%329
Noninterest expense to average assets4.4429%426
Loan and lease loss provision to assets0.2644%700
Net operating income to assets1.0281%2,215
Return on assets (ROA)0.9837%2,530
Pretax return on assets1.5296%1,464
Return on Equity (ROE)9.2807%2,329
Retained earnings to average equity (ytd only)8.1027%880
Net charge-offs to loans0.3532%840
Credit loss provision to net charge-offs87.3476%2,807
Earnings coverage of net charge-offs (x)6.0747%3,282
Efficiency ratio70.6016%3,125
Assets per employee ($millions)3.3041%5,147
Cash dividends to net income (ytd only)*12.6930%4,019
Condition Ratios (%)
Loss allowance to loans0.8870%5,129
Loan loss allowance to noncurrent loans75.9916%4,222
Noncurrent assets plus other real estate owned to assets1.2333%1,741
Noncurrent loans to loans1.1672%2,029
Net loans and leases to total assets84.2265%369
Net loans and leases to deposits103.3357%474
Net loans and leases to core deposits110.6452%826
Total domestic deposits to total assets81.5076%4,332
Equity capital to assets10.6545%3,185
Core capital (leverage) ratio10.0396%3,455
Tier 1 risk-based capital ratio11.0738%5,482
Total risk-based capital ratio13.3733%4,775
Memoranda:
Average total assets$20,022,090,20073
Average earning assets$18,517,393,20073
Average equity$2,122,249,80074
Average total loans$17,160,590,00058
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9187%739
Cost of funding earning assets0.3794%3,446
Net interest margin4.5393%600
Noninterest income to average assets2.0904%336
Noninterest expense to average assets4.4738%414
Loan and lease loss provision to assets0.2373%750
Net operating income to assets1.0207%2,374
Return on assets (ROA)0.9747%2,678
Pretax return on assets1.5313%1,597
Return on Equity (ROE)9.2083%2,463
Retained earnings to average equity (ytd only)8.3200%1,123
Net charge-offs to loans0.3534%745
Credit loss provision to net charge-offs78.1723%2,639
Earnings coverage of net charge-offs (x)5.9791%3,124
Efficiency ratio71.0118%3,045
Assets per employee ($millions)3.1471%5,366
Cash dividends to net income (ytd only)*9.6467%3,592
Condition Ratios (%)
Loss allowance to loans0.8891%5,244
Loan loss allowance to noncurrent loans73.8700%4,311
Noncurrent assets plus other real estate owned to assets1.3259%1,767
Noncurrent loans to loans1.2036%2,125
Net loans and leases to total assets85.2271%279
Net loans and leases to deposits105.7449%376
Net loans and leases to core deposits113.1776%700
Total domestic deposits to total assets80.5970%4,579
Equity capital to assets10.7699%3,280
Core capital (leverage) ratio10.0087%3,614
Tier 1 risk-based capital ratio11.1479%5,577
Total risk-based capital ratio13.4944%4,824
Memoranda:
Average total assets$19,851,816,75073
Average earning assets$18,362,177,25073
Average equity$2,101,357,75076
Average total loans$17,052,331,50056
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9339%678
Cost of funding earning assets0.3697%3,602
Net interest margin4.5642%560
Noninterest income to average assets2.0521%354
Noninterest expense to average assets4.4965%423
Loan and lease loss provision to assets0.2563%667
Net operating income to assets0.9869%2,460
Return on assets (ROA)0.9399%2,810
Pretax return on assets1.4701%1,727
Return on Equity (ROE)8.9323%2,586
Retained earnings to average equity (ytd only)8.3551%1,136
Net charge-offs to loans0.3913%665
Credit loss provision to net charge-offs76.2781%2,378
Earnings coverage of net charge-offs (x)5.2791%2,938
Efficiency ratio71.5847%3,059
Assets per employee ($millions)3.0955%5,478
Cash dividends to net income (ytd only)*6.4624%3,528
Condition Ratios (%)
Loss allowance to loans0.9142%5,250
Loan loss allowance to noncurrent loans75.0228%4,347
Noncurrent assets plus other real estate owned to assets1.3406%1,871
Noncurrent loans to loans1.2185%2,216
Net loans and leases to total assets85.2520%282
Net loans and leases to deposits105.7442%383
Net loans and leases to core deposits112.6466%718
Total domestic deposits to total assets80.6210%4,713
Equity capital to assets10.6780%3,239
Core capital (leverage) ratio9.8124%3,846
Tier 1 risk-based capital ratio11.1252%5,653
Total risk-based capital ratio13.5269%4,852
Memoranda:
Average total assets$19,756,345,67074
Average earning assets$18,258,918,00073
Average equity$2,078,852,33079
Average total loans$16,964,041,67055
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9147%679
Cost of funding earning assets0.3634%3,712
Net interest margin4.5512%551
Noninterest income to average assets1.9168%379
Noninterest expense to average assets4.5291%422
Loan and lease loss provision to assets0.2596%622
Net operating income to assets0.8577%2,973
Return on assets (ROA)0.8187%3,291
Pretax return on assets1.2903%2,327
Return on Equity (ROE)7.8390%3,047
Retained earnings to average equity (ytd only)7.8390%1,632
Net charge-offs to loans0.3061%776
Credit loss provision to net charge-offs98.8715%1,676
Earnings coverage of net charge-offs (x)6.0542%2,332
Efficiency ratio73.8930%2,836
Assets per employee ($millions)3.1644%5,461
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9479%5,256
Loan loss allowance to noncurrent loans72.6459%4,376
Noncurrent assets plus other real estate owned to assets1.4397%1,835
Noncurrent loans to loans1.3048%2,205
Net loans and leases to total assets85.6047%214
Net loans and leases to deposits106.1008%313
Net loans and leases to core deposits113.0913%605
Total domestic deposits to total assets80.6825%4,892
Equity capital to assets10.3991%3,652
Core capital (leverage) ratio9.7367%3,974
Tier 1 risk-based capital ratio10.9659%5,821
Total risk-based capital ratio13.4341%5,027
Memoranda:
Average total assets$19,710,320,50073
Average earning assets$18,197,042,00072
Average equity$2,058,568,50079
Average total loans$16,907,425,00055
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1067%621
Cost of funding earning assets0.3409%4,356
Net interest margin4.7658%462
Noninterest income to average assets2.2105%293
Noninterest expense to average assets4.5898%427
Loan and lease loss provision to assets0.5061%301
Net operating income to assets0.9655%2,555
Return on assets (ROA)0.9257%2,838
Pretax return on assets1.4534%1,714
Return on Equity (ROE)8.9315%2,625
Retained earnings to average equity (ytd only)7.9623%1,030
Net charge-offs to loans1.1235%250
Credit loss provision to net charge-offs52.1571%3,440
Earnings coverage of net charge-offs (x)2.0605%4,262
Efficiency ratio69.5191%3,627
Assets per employee ($millions)2.9982%5,700
Cash dividends to net income (ytd only)*10.8511%4,098
Condition Ratios (%)
Loss allowance to loans0.9929%5,099
Loan loss allowance to noncurrent loans74.9504%4,362
Noncurrent assets plus other real estate owned to assets1.4656%1,877
Noncurrent loans to loans1.3248%2,221
Net loans and leases to total assets84.2711%326
Net loans and leases to deposits104.7571%408
Net loans and leases to core deposits110.7186%747
Total domestic deposits to total assets80.4443%4,896
Equity capital to assets10.4905%3,496
Core capital (leverage) ratio9.6285%4,057
Tier 1 risk-based capital ratio11.2504%5,792
Total risk-based capital ratio13.0281%5,416
Memoranda:
Average total assets$18,915,107,20072
Average earning assets$17,379,523,20069
Average equity$1,960,450,00079
Average total loans$16,337,174,20053
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1316%601
Cost of funding earning assets0.3349%4,519
Net interest margin4.7967%432
Noninterest income to average assets2.2282%290
Noninterest expense to average assets4.5994%420
Loan and lease loss provision to assets0.2849%713
Net operating income to assets1.1164%1,965
Return on assets (ROA)1.0737%2,208
Pretax return on assets1.7060%1,052
Return on Equity (ROE)10.3922%2,040
Retained earnings to average equity (ytd only)9.0871%963
Net charge-offs to loans0.5695%658
Credit loss provision to net charge-offs57.6915%2,983
Earnings coverage of net charge-offs (x)4.1192%3,535
Efficiency ratio69.2024%3,640
Assets per employee ($millions)2.9144%5,828
Cash dividends to net income (ytd only)*12.5581%3,473
Condition Ratios (%)
Loss allowance to loans1.3470%3,407
Loan loss allowance to noncurrent loans79.0170%4,222
Noncurrent assets plus other real estate owned to assets1.8337%1,610
Noncurrent loans to loans1.7047%1,909
Net loans and leases to total assets85.5837%217
Net loans and leases to deposits106.1676%321
Net loans and leases to core deposits112.1400%655
Total domestic deposits to total assets80.6118%4,940
Equity capital to assets10.5424%3,505
Core capital (leverage) ratio9.7123%4,058
Tier 1 risk-based capital ratio11.0864%5,956
Total risk-based capital ratio13.1022%5,503
Memoranda:
Average total assets$18,787,611,00072
Average earning assets$17,254,178,25069
Average equity$1,941,117,25080
Average total loans$16,287,989,75052
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1423%568
Cost of funding earning assets0.3225%4,731
Net interest margin4.8198%399
Noninterest income to average assets2.1474%312
Noninterest expense to average assets4.5826%414
Loan and lease loss provision to assets0.2610%811
Net operating income to assets1.1017%1,932
Return on assets (ROA)1.0566%2,172
Pretax return on assets1.6807%1,057
Return on Equity (ROE)10.2979%2,015
Retained earnings to average equity (ytd only)10.2979%655
Net charge-offs to loans0.5003%807
Credit loss provision to net charge-offs60.1825%2,637
Earnings coverage of net charge-offs (x)4.5815%3,079
Efficiency ratio69.6192%3,720
Assets per employee ($millions)2.8691%5,938
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.4426%3,140
Loan loss allowance to noncurrent loans89.6964%3,895
Noncurrent assets plus other real estate owned to assets1.7378%1,876
Noncurrent loans to loans1.6083%2,159
Net loans and leases to total assets85.3814%222
Net loans and leases to deposits106.1121%299
Net loans and leases to core deposits112.0786%597
Total domestic deposits to total assets80.4634%5,142
Equity capital to assets10.4606%3,489
Core capital (leverage) ratio9.4892%4,349
Tier 1 risk-based capital ratio11.0680%6,022
Total risk-based capital ratio13.0979%5,553
Memoranda:
Average total assets$18,698,736,33071
Average earning assets$17,155,788,33068
Average equity$1,918,568,00078
Average total loans$16,207,330,33051
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1015%594
Cost of funding earning assets0.3165%4,903
Net interest margin4.7850%395
Noninterest income to average assets2.1590%298
Noninterest expense to average assets4.6500%398
Loan and lease loss provision to assets0.3116%605
Net operating income to assets1.0113%2,169
Return on assets (ROA)0.9744%2,371
Pretax return on assets1.5501%1,291
Return on Equity (ROE)9.5917%2,205
Retained earnings to average equity (ytd only)9.5917%1,079
Net charge-offs to loans0.4856%758
Credit loss provision to net charge-offs74.0067%1,960
Earnings coverage of net charge-offs (x)4.5092%2,517
Efficiency ratio70.8691%3,675
Assets per employee ($millions)2.8421%6,053
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.5128%3,087
Loan loss allowance to noncurrent loans91.1461%3,853
Noncurrent assets plus other real estate owned to assets1.7783%1,975
Noncurrent loans to loans1.6597%2,334
Net loans and leases to total assets85.5085%164
Net loans and leases to deposits107.5534%202
Net loans and leases to core deposits113.1052%489
Total domestic deposits to total assets79.5033%5,600
Equity capital to assets10.1872%3,612
Core capital (leverage) ratio9.3889%4,436
Tier 1 risk-based capital ratio10.8484%6,222
Total risk-based capital ratio12.8857%5,789
Memoranda:
Average total assets$18,603,005,50072
Average earning assets$17,065,878,50069
Average equity$1,889,842,50076
Average total loans$16,128,594,50051
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2028%636
Cost of funding earning assets0.3707%4,946
Net interest margin4.8321%404
Noninterest income to average assets2.0966%368
Noninterest expense to average assets4.5559%503
Loan and lease loss provision to assets0.6430%376
Net operating income to assets0.8671%2,936
Return on assets (ROA)0.8310%3,215
Pretax return on assets1.2909%2,195
Return on Equity (ROE)8.4893%2,783
Retained earnings to average equity (ytd only)8.4893%909
Net charge-offs to loans0.8478%727
Credit loss provision to net charge-offs88.9263%2,794
Earnings coverage of net charge-offs (x)2.7227%4,092
Efficiency ratio69.6300%3,898
Assets per employee ($millions)2.7458%6,172
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.5837%2,826
Loan loss allowance to noncurrent loans90.1111%3,876
Noncurrent assets plus other real estate owned to assets1.8961%1,913
Noncurrent loans to loans1.7575%2,294
Net loans and leases to total assets85.2020%192
Net loans and leases to deposits107.5538%217
Net loans and leases to core deposits112.3051%523
Total domestic deposits to total assets79.2180%5,616
Equity capital to assets10.1298%3,588
Core capital (leverage) ratio9.2304%4,672
Tier 1 risk-based capital ratio10.8414%6,247
Total risk-based capital ratio13.0670%5,664
Memoranda:
Average total assets$18,407,898,60068
Average earning assets$16,869,213,00068
Average equity$1,802,013,60077
Average total loans$15,700,571,00053
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2054%637
Cost of funding earning assets0.3819%4,981
Net interest margin4.8235%408
Noninterest income to average assets2.0685%402
Noninterest expense to average assets4.4834%528
Loan and lease loss provision to assets0.6922%316
Net operating income to assets0.8628%3,031
Return on assets (ROA)0.8204%3,371
Pretax return on assets1.2709%2,446
Return on Equity (ROE)8.4542%2,900
Retained earnings to average equity (ytd only)8.4542%1,233
Net charge-offs to loans0.8637%675
Credit loss provision to net charge-offs94.3085%2,525
Earnings coverage of net charge-offs (x)2.7328%3,926
Efficiency ratio68.8853%3,936
Assets per employee ($millions)2.7986%6,156
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.6514%2,795
Loan loss allowance to noncurrent loans91.6355%3,694
Noncurrent assets plus other real estate owned to assets1.9056%2,129
Noncurrent loans to loans1.8021%2,495
Net loans and leases to total assets84.5289%214
Net loans and leases to deposits106.8005%215
Net loans and leases to core deposits110.5176%563
Total domestic deposits to total assets79.1465%5,718
Equity capital to assets9.9609%3,953
Core capital (leverage) ratio9.0196%5,099
Tier 1 risk-based capital ratio10.7536%6,379
Total risk-based capital ratio12.9952%5,882
Memoranda:
Average total assets$18,410,663,50067
Average earning assets$16,872,855,25068
Average equity$1,786,626,25078
Average total loans$15,644,037,00054
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2164%618
Cost of funding earning assets0.3833%5,099
Net interest margin4.8331%413
Noninterest income to average assets1.9656%456
Noninterest expense to average assets4.4094%573
Loan and lease loss provision to assets0.7710%283
Net operating income to assets0.8059%3,259
Return on assets (ROA)0.7603%3,663
Pretax return on assets1.1672%2,816
Return on Equity (ROE)7.9045%3,141
Retained earnings to average equity (ytd only)7.9045%1,526
Net charge-offs to loans0.9289%668
Credit loss provision to net charge-offs98.0561%2,282
Earnings coverage of net charge-offs (x)2.5231%3,684
Efficiency ratio68.7440%4,052
Assets per employee ($millions)2.7908%6,177
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.6934%2,802
Loan loss allowance to noncurrent loans81.0156%3,991
Noncurrent assets plus other real estate owned to assets2.1400%2,013
Noncurrent loans to loans2.0902%2,291
Net loans and leases to total assets83.6828%254
Net loans and leases to deposits106.8504%203
Net loans and leases to core deposits110.7546%532
Total domestic deposits to total assets78.3177%5,921
Equity capital to assets9.7131%4,291
Core capital (leverage) ratio8.7984%5,292
Tier 1 risk-based capital ratio10.6170%6,472
Total risk-based capital ratio12.8715%5,993
Memoranda:
Average total assets$18,411,166,33066
Average earning assets$16,866,790,33066
Average equity$1,770,931,33077
Average total loans$15,584,600,33053
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1963%608
Cost of funding earning assets0.3941%5,163
Net interest margin4.8022%400
Noninterest income to average assets1.8757%472
Noninterest expense to average assets4.3492%606
Loan and lease loss provision to assets0.8342%256
Net operating income to assets0.7016%3,680
Return on assets (ROA)0.6619%4,052
Pretax return on assets1.0486%3,153
Return on Equity (ROE)6.9156%3,533
Retained earnings to average equity (ytd only)6.9156%2,191
Net charge-offs to loans1.0779%555
Credit loss provision to net charge-offs91.6850%1,997
Earnings coverage of net charge-offs (x)2.1129%3,125
Efficiency ratio69.0647%4,135
Assets per employee ($millions)2.8607%6,200
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6861%3,064
Loan loss allowance to noncurrent loans66.8420%4,455
Noncurrent assets plus other real estate owned to assets2.5154%1,828
Noncurrent loans to loans2.5225%2,044
Net loans and leases to total assets82.9257%239
Net loans and leases to deposits106.4161%191
Net loans and leases to core deposits110.1089%495
Total domestic deposits to total assets77.9259%6,119
Equity capital to assets9.5619%4,771
Core capital (leverage) ratio8.6476%5,394
Tier 1 risk-based capital ratio10.4298%6,597
Total risk-based capital ratio12.7839%6,136
Memoranda:
Average total assets$18,404,206,50065
Average earning assets$16,847,615,50066
Average equity$1,761,577,00078
Average total loans$15,534,788,00051
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4505%688
Cost of funding earning assets0.5879%4,466
Net interest margin4.8627%486
Noninterest income to average assets2.0731%410
Noninterest expense to average assets7.4409%127
Loan and lease loss provision to assets1.3602%252
Net operating income to assets-1.4201%6,843
Return on assets (ROA)-1.1398%6,796
Pretax return on assets-1.8549%6,911
Return on Equity (ROE)-12.1226%6,770
Retained earnings to average equity (ytd only)-13.1749%6,737
Net charge-offs to loans1.5676%555
Credit loss provision to net charge-offs104.8465%2,844
Earnings coverage of net charge-offs (x)-0.7337%5,718
Efficiency ratio114.5395%266
Assets per employee ($millions)2.7980%6,321
Cash dividends to net income (ytd only)*-8.6811%7,028
Condition Ratios (%)
Loss allowance to loans1.7306%2,816
Loan loss allowance to noncurrent loans61.0923%4,621
Noncurrent assets plus other real estate owned to assets2.9245%1,625
Noncurrent loans to loans2.8327%1,858
Net loans and leases to total assets83.0090%267
Net loans and leases to deposits106.8401%206
Net loans and leases to core deposits110.9010%509
Total domestic deposits to total assets77.6946%6,127
Equity capital to assets9.5815%4,775
Core capital (leverage) ratio8.5766%5,495
Tier 1 risk-based capital ratio10.3285%6,604
Total risk-based capital ratio12.8704%5,981
Memoranda:
Average total assets$18,191,920,00064
Average earning assets$16,520,620,40063
Average equity$1,710,415,60078
Average total loans$15,055,303,80049
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4864%700
Cost of funding earning assets0.6397%4,284
Net interest margin4.8467%526
Noninterest income to average assets2.0517%406
Noninterest expense to average assets8.3639%101
Loan and lease loss provision to assets1.4596%222
Net operating income to assets-2.1059%7,051
Return on assets (ROA)-1.7198%7,015
Pretax return on assets-2.7529%7,099
Return on Equity (ROE)-18.3796%6,969
Retained earnings to average equity (ytd only)-19.7910%6,971
Net charge-offs to loans1.6915%485
Credit loss provision to net charge-offs104.8111%2,807
Earnings coverage of net charge-offs (x)-1.3765%5,609
Efficiency ratio129.6073%152
Assets per employee ($millions)2.7737%6,388
Cash dividends to net income (ytd only)*-7.6796%7,129
Condition Ratios (%)
Loss allowance to loans1.7399%2,995
Loan loss allowance to noncurrent loans55.3801%4,881
Noncurrent assets plus other real estate owned to assets3.3457%1,514
Noncurrent loans to loans3.1417%1,764
Net loans and leases to total assets83.5120%250
Net loans and leases to deposits108.4750%184
Net loans and leases to core deposits113.2988%451
Total domestic deposits to total assets76.9873%6,234
Equity capital to assets9.4161%5,309
Core capital (leverage) ratio8.2921%6,021
Tier 1 risk-based capital ratio9.9627%6,806
Total risk-based capital ratio12.5198%6,341
Memoranda:
Average total assets$18,171,452,00065
Average earning assets$16,479,006,00064
Average equity$1,700,295,25079
Average total loans$14,960,126,50050
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4892%735
Cost of funding earning assets0.7342%3,733
Net interest margin4.7549%609
Noninterest income to average assets2.0268%395
Noninterest expense to average assets10.3424%75
Loan and lease loss provision to assets1.1244%375
Net operating income to assets-3.2032%7,164
Return on assets (ROA)-2.7028%7,144
Pretax return on assets-4.3188%7,200
Return on Equity (ROE)-28.9450%7,090
Retained earnings to average equity (ytd only)-30.1181%7,093
Net charge-offs to loans1.1314%954
Credit loss provision to net charge-offs122.0039%2,251
Earnings coverage of net charge-offs (x)-4.3371%5,440
Efficiency ratio162.8758%78
Assets per employee ($millions)2.7371%6,493
Cash dividends to net income (ytd only)*-4.0528%7,195
Condition Ratios (%)
Loss allowance to loans1.7985%2,862
Loan loss allowance to noncurrent loans71.0927%4,151
Noncurrent assets plus other real estate owned to assets2.8576%1,930
Noncurrent loans to loans2.5297%2,382
Net loans and leases to total assets83.6041%232
Net loans and leases to deposits107.7786%187
Net loans and leases to core deposits112.8950%482
Total domestic deposits to total assets77.5702%6,238
Equity capital to assets9.3822%5,216
Core capital (leverage) ratio8.2936%5,916
Tier 1 risk-based capital ratio10.1119%6,794
Total risk-based capital ratio12.6921%6,227
Memoranda:
Average total assets$18,258,577,00066
Average earning assets$16,582,893,00065
Average equity$1,704,916,00080
Average total loans$14,872,866,00051
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5434%702
Cost of funding earning assets1.0541%1,651
Net interest margin4.4892%1,030
Noninterest income to average assets1.7688%491
Noninterest expense to average assets16.1844%46
Loan and lease loss provision to assets1.0533%387
Net operating income to assets-7.1217%7,287
Return on assets (ROA)-6.0883%7,283
Pretax return on assets-9.7679%7,299
Return on Equity (ROE)-65.3538%7,247
Retained earnings to average equity (ytd only)-67.6830%7,243
Net charge-offs to loans1.0603%973
Credit loss provision to net charge-offs124.6809%1,919
Earnings coverage of net charge-offs (x)-12.2477%4,695
Efficiency ratio277.1044%22
Assets per employee ($millions)2.7575%6,568
Cash dividends to net income (ytd only)*-3.5639%7,267
Condition Ratios (%)
Loss allowance to loans1.7442%3,180
Loan loss allowance to noncurrent loans70.7071%4,011
Noncurrent assets plus other real estate owned to assets2.8127%2,086
Noncurrent loans to loans2.4668%2,641
Net loans and leases to total assets83.6626%191
Net loans and leases to deposits116.6691%87
Net loans and leases to core deposits119.9755%311
Total domestic deposits to total assets71.7094%6,893
Equity capital to assets8.9862%5,514
Core capital (leverage) ratio7.4679%6,655
Tier 1 risk-based capital ratio9.6888%6,937
Total risk-based capital ratio11.5970%6,780
Memoranda:
Average total assets$18,434,952,50065
Average earning assets$16,709,954,00064
Average equity$1,717,389,50079
Average total loans$14,687,215,00054
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5452%1,067
Cost of funding earning assets1.2947%1,506
Net interest margin4.2505%1,882
Noninterest income to average assets2.1522%337
Noninterest expense to average assets3.9525%1,109
Loan and lease loss provision to assets1.0689%856
Net operating income to assets0.6541%3,727
Return on assets (ROA)0.6549%3,916
Pretax return on assets1.0357%3,099
Return on Equity (ROE)7.1043%3,352
Retained earnings to average equity (ytd only)5.4011%2,370
Net charge-offs to loans1.4506%1,119
Credit loss provision to net charge-offs95.1944%3,791
Earnings coverage of net charge-offs (x)1.8599%4,378
Efficiency ratio65.4046%4,882
Assets per employee ($millions)3.0946%5,908
Cash dividends to net income (ytd only)*23.9748%3,373
Condition Ratios (%)
Loss allowance to loans1.8050%2,851
Loan loss allowance to noncurrent loans69.0229%4,100
Noncurrent assets plus other real estate owned to assets2.6590%2,290
Noncurrent loans to loans2.6151%2,500
Net loans and leases to total assets73.1777%1,415
Net loans and leases to deposits112.3766%137
Net loans and leases to core deposits114.5019%484
Total domestic deposits to total assets65.1183%7,154
Equity capital to assets9.6259%4,709
Core capital (leverage) ratio8.3298%5,814
Tier 1 risk-based capital ratio11.5315%6,146
Total risk-based capital ratio13.6687%5,494
Memoranda:
Average total assets$18,789,244,40063
Average earning assets$17,190,404,60062
Average equity$1,731,992,40079
Average total loans$14,544,216,20052
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5813%1,078
Cost of funding earning assets1.3138%1,630
Net interest margin4.2676%1,837
Noninterest income to average assets2.2781%309
Noninterest expense to average assets3.9972%1,006
Loan and lease loss provision to assets1.0077%849
Net operating income to assets0.7481%3,391
Return on assets (ROA)0.7289%3,651
Pretax return on assets1.1686%2,748
Return on Equity (ROE)7.9969%3,038
Retained earnings to average equity (ytd only)5.6935%2,750
Net charge-offs to loans1.3940%1,082
Credit loss provision to net charge-offs92.5088%3,686
Earnings coverage of net charge-offs (x)2.0110%4,139
Efficiency ratio64.5835%4,968
Assets per employee ($millions)3.1041%5,889
Cash dividends to net income (ytd only)*28.8035%2,525
Condition Ratios (%)
Loss allowance to loans1.7736%3,028
Loan loss allowance to noncurrent loans70.3136%3,956
Noncurrent assets plus other real estate owned to assets2.5747%2,504
Noncurrent loans to loans2.5224%2,748
Net loans and leases to total assets73.6873%1,376
Net loans and leases to deposits112.6195%150
Net loans and leases to core deposits115.8388%501
Total domestic deposits to total assets65.4303%7,215
Equity capital to assets9.5063%5,072
Core capital (leverage) ratio8.6712%5,455
Tier 1 risk-based capital ratio11.9975%5,895
Total risk-based capital ratio14.1272%5,161
Memoranda:
Average total assets$18,734,800,50062
Average earning assets$17,163,819,00062
Average equity$1,707,593,50079
Average total loans$14,639,126,25051
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6302%1,019
Cost of funding earning assets1.3319%1,749
Net interest margin4.2983%1,664
Noninterest income to average assets2.2819%305
Noninterest expense to average assets4.0519%972
Loan and lease loss provision to assets0.9596%924
Net operating income to assets0.7561%3,259
Return on assets (ROA)0.7273%3,521
Pretax return on assets1.1744%2,575
Return on Equity (ROE)8.0986%2,905
Retained earnings to average equity (ytd only)5.2860%2,821
Net charge-offs to loans1.3523%1,128
Credit loss provision to net charge-offs89.5863%3,461
Earnings coverage of net charge-offs (x)2.0193%3,854
Efficiency ratio65.1829%5,029
Assets per employee ($millions)2.9904%6,110
Cash dividends to net income (ytd only)*34.7289%2,292
Condition Ratios (%)
Loss allowance to loans1.7460%3,167
Loan loss allowance to noncurrent loans67.4188%4,068
Noncurrent assets plus other real estate owned to assets2.7519%2,431
Noncurrent loans to loans2.5898%2,786
Net loans and leases to total assets76.7367%958
Net loans and leases to deposits119.8769%89
Net loans and leases to core deposits122.3146%369
Total domestic deposits to total assets64.0129%7,316
Equity capital to assets9.1578%5,343
Core capital (leverage) ratio8.6322%5,341
Tier 1 risk-based capital ratio11.5994%6,092
Total risk-based capital ratio13.7145%5,359
Memoranda:
Average total assets$18,608,043,00066
Average earning assets$17,026,089,67066
Average equity$1,671,078,33081
Average total loans$14,738,930,00054
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7879%755
Cost of funding earning assets1.3578%1,838
Net interest margin4.4301%1,217
Noninterest income to average assets2.1697%328
Noninterest expense to average assets4.0687%957
Loan and lease loss provision to assets0.9765%795
Net operating income to assets0.7350%3,346
Return on assets (ROA)0.7136%3,525
Pretax return on assets1.1499%2,564
Return on Equity (ROE)8.0266%2,897
Retained earnings to average equity (ytd only)3.9023%3,830
Net charge-offs to loans1.5092%901
Credit loss provision to net charge-offs81.1188%3,137
Earnings coverage of net charge-offs (x)1.7841%3,412
Efficiency ratio65.4351%5,134
Assets per employee ($millions)2.9651%6,207
Cash dividends to net income (ytd only)*51.3828%1,435
Condition Ratios (%)
Loss allowance to loans1.7255%3,254
Loan loss allowance to noncurrent loans68.0473%4,012
Noncurrent assets plus other real estate owned to assets2.7803%2,478
Noncurrent loans to loans2.5357%2,947
Net loans and leases to total assets78.1419%712
Net loans and leases to deposits120.2137%92
Net loans and leases to core deposits122.8062%368
Total domestic deposits to total assets65.0025%7,354
Equity capital to assets8.9592%5,268
Core capital (leverage) ratio8.5841%5,291
Tier 1 risk-based capital ratio11.3024%6,256
Total risk-based capital ratio13.5103%5,469
Memoranda:
Average total assets$18,544,657,50066
Average earning assets$16,939,707,00066
Average equity$1,648,769,00081
Average total loans$14,792,422,50054
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9417%959
Cost of funding earning assets1.5443%2,379
Net interest margin4.3975%1,482
Noninterest income to average assets2.6569%270
Noninterest expense to average assets4.1240%999
Loan and lease loss provision to assets1.2994%1,183
Net operating income to assets0.7848%2,872
Return on assets (ROA)0.8766%2,617
Pretax return on assets1.3943%1,679
Return on Equity (ROE)10.5219%1,753
Retained earnings to average equity (ytd only)10.2580%472
Net charge-offs to loans1.4608%1,513
Credit loss provision to net charge-offs109.9252%4,012
Earnings coverage of net charge-offs (x)2.1489%4,112
Efficiency ratio61.8693%5,748
Assets per employee ($millions)2.8930%6,344
Cash dividends to net income (ytd only)*2.5079%3,915
Condition Ratios (%)
Loss allowance to loans1.7975%2,873
Loan loss allowance to noncurrent loans65.6859%4,105
Noncurrent assets plus other real estate owned to assets2.9532%2,381
Noncurrent loans to loans2.7365%2,783
Net loans and leases to total assets78.5825%864
Net loans and leases to deposits124.8375%94
Net loans and leases to core deposits126.6546%381
Total domestic deposits to total assets62.9478%7,466
Equity capital to assets8.8219%5,399
Core capital (leverage) ratio8.2394%5,769
Tier 1 risk-based capital ratio10.9147%6,397
Total risk-based capital ratio13.3054%5,406
Memoranda:
Average total assets$18,195,749,40063
Average earning assets$16,581,010,20064
Average equity$1,515,875,60082
Average total loans$14,724,393,00054
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9762%982
Cost of funding earning assets1.5648%2,584
Net interest margin4.4114%1,490
Noninterest income to average assets2.7376%245
Noninterest expense to average assets4.1552%875
Loan and lease loss provision to assets1.1681%1,233
Net operating income to assets0.8978%2,617
Return on assets (ROA)0.9240%2,655
Pretax return on assets1.4851%1,651
Return on Equity (ROE)11.2607%1,705
Retained earnings to average equity (ytd only)11.2607%566
Net charge-offs to loans1.3610%1,489
Credit loss provision to net charge-offs105.7605%4,045
Earnings coverage of net charge-offs (x)2.3562%3,996
Efficiency ratio61.4757%5,714
Assets per employee ($millions)2.8729%6,439
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6992%3,151
Loan loss allowance to noncurrent loans58.3367%4,426
Noncurrent assets plus other real estate owned to assets3.1101%2,325
Noncurrent loans to loans2.9127%2,742
Net loans and leases to total assets79.8803%771
Net loans and leases to deposits127.1832%78
Net loans and leases to core deposits128.9115%398
Total domestic deposits to total assets62.8072%7,543
Equity capital to assets9.0257%5,547
Core capital (leverage) ratio8.3631%5,765
Tier 1 risk-based capital ratio10.6676%6,658
Total risk-based capital ratio13.0527%5,614
Memoranda:
Average total assets$18,124,548,00065
Average earning assets$16,516,498,50065
Average equity$1,487,259,50082
Average total loans$14,708,415,25053
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0254%887
Cost of funding earning assets1.5895%2,716
Net interest margin4.4359%1,360
Noninterest income to average assets2.7489%242
Noninterest expense to average assets4.1759%835
Loan and lease loss provision to assets1.1022%1,297
Net operating income to assets0.9451%2,386
Return on assets (ROA)0.9270%2,544
Pretax return on assets1.4939%1,572
Return on Equity (ROE)11.6918%1,531
Retained earnings to average equity (ytd only)11.6918%536
Net charge-offs to loans1.2609%1,512
Credit loss provision to net charge-offs107.7676%3,780
Earnings coverage of net charge-offs (x)2.5570%3,722
Efficiency ratio61.4763%5,772
Assets per employee ($millions)2.7849%6,605
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.7189%3,003
Loan loss allowance to noncurrent loans62.8423%4,187
Noncurrent assets plus other real estate owned to assets2.8726%2,508
Noncurrent loans to loans2.7352%2,913
Net loans and leases to total assets79.7295%843
Net loans and leases to deposits124.2985%97
Net loans and leases to core deposits125.1760%538
Total domestic deposits to total assets64.1436%7,582
Equity capital to assets8.9553%5,515
Core capital (leverage) ratio8.0789%6,156
Tier 1 risk-based capital ratio10.5871%6,618
Total risk-based capital ratio12.9949%5,508
Memoranda:
Average total assets$18,055,469,00062
Average earning assets$16,453,136,00063
Average equity$1,431,487,67085
Average total loans$14,645,686,67052
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0094%965
Cost of funding earning assets1.6071%2,920
Net interest margin4.4023%1,385
Noninterest income to average assets2.5980%243
Noninterest expense to average assets4.1975%810
Loan and lease loss provision to assets1.1183%1,096
Net operating income to assets0.8075%2,931
Return on assets (ROA)0.7994%3,069
Pretax return on assets1.2841%2,095
Return on Equity (ROE)10.7800%1,845
Retained earnings to average equity (ytd only)10.7800%968
Net charge-offs to loans1.2160%1,398
Credit loss provision to net charge-offs113.3814%3,060
Earnings coverage of net charge-offs (x)2.4448%3,317
Efficiency ratio63.4987%5,586
Assets per employee ($millions)2.8002%6,649
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.7029%3,052
Loan loss allowance to noncurrent loans67.2043%3,996
Noncurrent assets plus other real estate owned to assets2.6058%2,800
Noncurrent loans to loans2.5339%3,135
Net loans and leases to total assets79.4351%921
Net loans and leases to deposits121.1315%124
Net loans and leases to core deposits122.7504%682
Total domestic deposits to total assets65.5776%7,630
Equity capital to assets7.9458%6,713
Core capital (leverage) ratio7.3912%6,944
Tier 1 risk-based capital ratio9.6167%7,239
Total risk-based capital ratio12.1276%6,251
Memoranda:
Average total assets$18,060,033,50061
Average earning assets$16,454,263,50063
Average equity$1,339,182,50089
Average total loans$14,648,583,50051
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0584%1,646
Cost of funding earning assets1.9538%3,190
Net interest margin4.1046%2,422
Noninterest income to average assets2.7089%254
Noninterest expense to average assets4.3073%977
Loan and lease loss provision to assets1.4674%1,572
Net operating income to assets0.4400%3,971
Return on assets (ROA)0.5608%3,563
Pretax return on assets0.8504%3,085
Return on Equity (ROE)7.3283%2,651
Retained earnings to average equity (ytd only)4.9549%1,842
Net charge-offs to loans1.3317%1,872
Credit loss provision to net charge-offs138.6200%3,544
Earnings coverage of net charge-offs (x)2.0177%4,212
Efficiency ratio66.8461%5,217
Assets per employee ($millions)2.6978%6,860
Cash dividends to net income (ytd only)*32.3867%3,228
Condition Ratios (%)
Loss allowance to loans1.6755%2,988
Loan loss allowance to noncurrent loans70.1835%3,904
Noncurrent assets plus other real estate owned to assets2.5389%2,758
Noncurrent loans to loans2.3873%3,178
Net loans and leases to total assets80.0503%986
Net loans and leases to deposits123.4355%135
Net loans and leases to core deposits127.1925%1,439
Total domestic deposits to total assets64.8519%7,678
Equity capital to assets6.8763%7,427
Core capital (leverage) ratio6.2740%7,566
Tier 1 risk-based capital ratio8.1071%7,637
Total risk-based capital ratio10.6994%7,237
Memoranda:
Average total assets$17,618,106,40066
Average earning assets$16,028,821,80065
Average equity$1,348,286,20088
Average total loans$14,004,834,40056
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0597%1,799
Cost of funding earning assets2.0265%3,228
Net interest margin4.0332%2,669
Noninterest income to average assets2.6551%251
Noninterest expense to average assets4.2087%1,023
Loan and lease loss provision to assets1.3829%1,390
Net operating income to assets0.4825%4,065
Return on assets (ROA)0.5952%3,680
Pretax return on assets0.9086%3,202
Return on Equity (ROE)7.6855%2,775
Retained earnings to average equity (ytd only)4.5198%2,744
Net charge-offs to loans1.3303%1,538
Credit loss provision to net charge-offs131.3314%3,812
Earnings coverage of net charge-offs (x)2.0123%4,312
Efficiency ratio66.5134%5,286
Assets per employee ($millions)2.7269%6,793
Cash dividends to net income (ytd only)*41.1909%2,386
Condition Ratios (%)
Loss allowance to loans1.5106%3,381
Loan loss allowance to noncurrent loans65.9258%4,017
Noncurrent assets plus other real estate owned to assets2.3971%2,875
Noncurrent loans to loans2.2913%3,275
Net loans and leases to total assets79.7298%1,227
Net loans and leases to deposits121.5550%179
Net loans and leases to core deposits127.8103%1,599
Total domestic deposits to total assets65.5915%7,706
Equity capital to assets6.8215%7,670
Core capital (leverage) ratio6.1141%7,780
Tier 1 risk-based capital ratio7.9421%7,800
Total risk-based capital ratio10.5704%7,470
Memoranda:
Average total assets$17,402,080,25070
Average earning assets$15,845,692,25069
Average equity$1,347,731,25091
Average total loans$13,774,420,00060
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0863%1,832
Cost of funding earning assets2.1165%3,196
Net interest margin3.9698%2,830
Noninterest income to average assets2.5884%254
Noninterest expense to average assets4.2095%1,059
Loan and lease loss provision to assets1.2133%1,419
Net operating income to assets0.4848%4,142
Return on assets (ROA)0.6496%3,576
Pretax return on assets1.0325%2,874
Return on Equity (ROE)8.0632%2,746
Retained earnings to average equity (ytd only)3.4819%3,375
Net charge-offs to loans1.2385%1,490
Credit loss provision to net charge-offs124.7252%3,732
Earnings coverage of net charge-offs (x)2.0440%4,063
Efficiency ratio67.9193%5,164
Assets per employee ($millions)2.5901%7,075
Cash dividends to net income (ytd only)*56.8172%1,792
Condition Ratios (%)
Loss allowance to loans1.3902%3,779
Loan loss allowance to noncurrent loans66.7527%4,091
Noncurrent assets plus other real estate owned to assets2.2338%2,909
Noncurrent loans to loans2.0826%3,411
Net loans and leases to total assets78.9287%1,541
Net loans and leases to deposits118.5382%265
Net loans and leases to core deposits125.6151%1,908
Total domestic deposits to total assets66.5851%7,704
Equity capital to assets6.7077%7,750
Core capital (leverage) ratio5.9383%7,938
Tier 1 risk-based capital ratio8.0266%7,911
Total risk-based capital ratio10.6999%7,388
Memoranda:
Average total assets$17,339,131,00073
Average earning assets$15,765,285,67072
Average equity$1,396,987,67092
Average total loans$13,619,120,00063
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0522%2,141
Cost of funding earning assets2.2166%3,080
Net interest margin3.8356%3,312
Noninterest income to average assets2.2957%284
Noninterest expense to average assets3.9604%1,232
Loan and lease loss provision to assets1.0054%1,298
Net operating income to assets0.5189%4,347
Return on assets (ROA)0.6926%3,781
Pretax return on assets1.0780%3,068
Return on Equity (ROE)7.9325%3,176
Retained earnings to average equity (ytd only)-0.5215%5,771
Net charge-offs to loans1.0320%1,306
Credit loss provision to net charge-offs125.2349%3,170
Earnings coverage of net charge-offs (x)2.2569%3,606
Efficiency ratio68.6094%4,849
Assets per employee ($millions)2.6830%6,924
Cash dividends to net income (ytd only)*106.5743%695
Condition Ratios (%)
Loss allowance to loans1.3186%3,969
Loan loss allowance to noncurrent loans73.8787%3,923
Noncurrent assets plus other real estate owned to assets1.7617%3,281
Noncurrent loans to loans1.7848%3,583
Net loans and leases to total assets75.2734%2,434
Net loans and leases to deposits116.5155%373
Net loans and leases to core deposits125.1872%1,980
Total domestic deposits to total assets64.6038%7,815
Equity capital to assets8.4394%6,164
Core capital (leverage) ratio8.0664%6,354
Tier 1 risk-based capital ratio10.5110%6,386
Total risk-based capital ratio13.2752%4,829
Memoranda:
Average total assets$17,340,825,50072
Average earning assets$15,718,034,50073
Average equity$1,514,070,00085
Average total loans$13,490,788,00064
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5605%2,667
Cost of funding earning assets2.4640%4,399
Net interest margin4.0965%2,725
Noninterest income to average assets2.8502%216
Noninterest expense to average assets4.1424%1,214
Loan and lease loss provision to assets1.1666%1,244
Net operating income to assets0.7927%3,466
Return on assets (ROA)0.8553%3,042
Pretax return on assets1.3483%2,135
Return on Equity (ROE)12.0993%1,567
Retained earnings to average equity (ytd only)1.5183%4,315
Net charge-offs to loans0.7778%1,599
Credit loss provision to net charge-offs190.7533%2,578
Earnings coverage of net charge-offs (x)3.9522%4,168
Efficiency ratio63.1509%5,747
Assets per employee ($millions)2.4669%7,263
Cash dividends to net income (ytd only)*87.4510%1,395
Condition Ratios (%)
Loss allowance to loans1.2968%3,805
Loan loss allowance to noncurrent loans81.8037%4,057
Noncurrent assets plus other real estate owned to assets1.6328%2,982
Noncurrent loans to loans1.5852%3,399
Net loans and leases to total assets78.4024%2,024
Net loans and leases to deposits127.2366%254
Net loans and leases to core deposits140.0561%1,267
Total domestic deposits to total assets61.6194%7,904
Equity capital to assets9.0454%5,314
Core capital (leverage) ratio8.4105%5,740
Tier 1 risk-based capital ratio11.0587%5,676
Total risk-based capital ratio13.9321%4,220
Memoranda:
Average total assets$16,416,731,40076
Average earning assets$14,864,895,20076
Average equity$1,160,547,600100
Average total loans$12,908,967,80067