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Ascent Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3204%787
Cost of funding earning assets1.9298%2,117
Net interest margin4.3906%749
Noninterest income to average assets0.0700%4,241
Noninterest expense to average assets2.4438%2,473
Loan and lease loss provision to assets0.0100%2,596
Net operating income to assets1.2924%1,488
Return on assets (ROA)1.2924%1,482
Pretax return on assets1.7461%1,036
Return on Equity (ROE)14.5800%1,161
Retained earnings to average equity (ytd only)-4.7747%4,068
Net charge-offs to loans-0.0050%3,738
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio58.1670%3,155
Assets per employee ($millions)8.7126%1,218
Cash dividends to net income (ytd only)*132.7434%317
Condition Ratios (%)
Loss allowance to loans1.5012%1,017
Loan loss allowance to noncurrent loans428.7234%1,284
Noncurrent assets plus other real estate owned to assets0.2697%2,202
Noncurrent loans to loans0.3502%2,249
Net loans and leases to total assets75.8700%1,103
Net loans and leases to deposits85.5930%1,534
Net loans and leases to core deposits102.8699%1,197
Total domestic deposits to total assets88.6400%1,329
Equity capital to assets8.9086%3,003
Core capital (leverage) ratio8.9195%3,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9768%1,871
Memoranda:
Average total assets$104,920,5003,741
Average earning assets$98,665,0003,715
Average equity$9,299,0003,850
Average total loans$79,932,5003,446
2024-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets21,215.0000%28
Cost of funding earning assets254.0000%16
Net interest margin0.0000%4,448
Noninterest income to average assets2.0000%257
Noninterest expense to average assets0.0004%4,473
Loan and lease loss provision to assetsNANA
Net operating income to assets0.0000%4,165
Return on assets (ROA)0.8188%2,646
Pretax return on assets1.1169%2,190
Return on Equity (ROE)9.6600%2,248
Retained earnings to average equity (ytd only)0.0000%3,901
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs4.0000%2,527
Earnings coverage of net charge-offs (x)2.0000%2,851
Efficiency ratio2,000.0000%24
Assets per employee ($millions)NANA
Cash dividends to net income (ytd only)*5.4934%3,280
Condition Ratios (%)
Loss allowance to loans487.0000%32
Loan loss allowance to noncurrent loans0.0000%3,770
Noncurrent assets plus other real estate owned to assetsNANA
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets0.0000%4,378
Net loans and leases to deposits0.0000%4,387
Net loans and leases to core deposits0.0019%4,391
Total domestic deposits to total assets7.9536%4,388
Equity capital to assets173,375.0000%15
Core capital (leverage) ratio0.0000%4,462
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$3,515,0004,476
Average earning assets$5154,493
Average equity$04,450
Average total loans$04,379
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8252%1,512
Cost of funding earning assets1.9758%2,277
Net interest margin3.8494%1,384
Noninterest income to average assets0.1300%4,095
Noninterest expense to average assets2.5677%2,037
Loan and lease loss provision to assets0.2600%417
Net operating income to assets0.6921%2,997
Return on assets (ROA)0.6921%3,023
Pretax return on assets0.9378%2,716
Return on Equity (ROE)8.2500%2,693
Retained earnings to average equity (ytd only)3.0751%3,153
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio68.2540%2,235
Assets per employee ($millions)8.2686%1,364
Cash dividends to net income (ytd only)*62.7451%910
Condition Ratios (%)
Loss allowance to loans1.4217%1,271
Loan loss allowance to noncurrent loans600.0000%1,089
Noncurrent assets plus other real estate owned to assets0.1768%2,579
Noncurrent loans to loans0.2370%2,585
Net loans and leases to total assets73.5300%1,430
Net loans and leases to deposits82.5204%1,931
Net loans and leases to core deposits96.2624%1,737
Total domestic deposits to total assets89.1100%868
Equity capital to assets8.5327%3,376
Core capital (leverage) ratio9.2991%3,476
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3806%2,126
Memoranda:
Average total assets$98,243,0003,809
Average earning assets$92,584,2503,782
Average equity$8,238,0003,958
Average total loans$75,050,2503,499
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8200%1,433
Cost of funding earning assets1.9698%2,195
Net interest margin3.8502%1,345
Noninterest income to average assets0.1100%4,190
Noninterest expense to average assets2.6671%1,767
Loan and lease loss provision to assets0.2600%402
Net operating income to assets0.5864%3,215
Return on assets (ROA)0.5864%3,249
Pretax return on assets0.7966%3,006
Return on Equity (ROE)7.0400%2,992
Retained earnings to average equity (ytd only)-1.0345%4,058
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio71.6140%1,904
Assets per employee ($millions)7.4293%1,777
Cash dividends to net income (ytd only)*114.6953%240
Condition Ratios (%)
Loss allowance to loans1.4206%1,304
Loan loss allowance to noncurrent loans551.2821%1,185
Noncurrent assets plus other real estate owned to assets0.2019%2,398
Noncurrent loans to loans0.2577%2,453
Net loans and leases to total assets77.2400%1,006
Net loans and leases to deposits87.0843%1,561
Net loans and leases to core deposits101.2500%1,407
Total domestic deposits to total assets88.7000%1,101
Equity capital to assets8.9417%2,778
Core capital (leverage) ratio9.3023%3,442
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0283%1,876
Memoranda:
Average total assets$95,160,0003,843
Average earning assets$89,450,6673,818
Average equity$7,926,6673,977
Average total loans$73,339,3333,528
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6783%1,501
Cost of funding earning assets1.9093%2,229
Net interest margin3.7690%1,411
Noninterest income to average assets0.1000%4,220
Noninterest expense to average assets2.7697%1,529
Loan and lease loss provision to assets0.2200%447
Net operating income to assets0.4828%3,441
Return on assets (ROA)0.4828%3,464
Pretax return on assets0.6437%3,294
Return on Equity (ROE)6.0200%3,213
Retained earnings to average equity (ytd only)-10.8822%4,322
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio76.2238%1,525
Assets per employee ($millions)6.3540%2,567
Cash dividends to net income (ytd only)*280.7018%80
Condition Ratios (%)
Loss allowance to loans1.3553%1,548
Loan loss allowance to noncurrent loans486.8932%1,374
Noncurrent assets plus other real estate owned to assets0.2161%2,274
Noncurrent loans to loans0.2784%2,316
Net loans and leases to total assets76.6000%998
Net loans and leases to deposits85.4248%1,591
Net loans and leases to core deposits97.8540%1,529
Total domestic deposits to total assets89.6700%907
Equity capital to assets7.8218%3,484
Core capital (leverage) ratio8.2503%4,222
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4040%2,459
Memoranda:
Average total assets$94,449,5003,868
Average earning assets$88,618,5003,841
Average equity$7,572,0004,038
Average total loans$72,172,0003,546
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2487%1,577
Cost of funding earning assets1.3747%2,298
Net interest margin3.8741%1,429
Noninterest income to average assets0.2300%3,570
Noninterest expense to average assets2.9892%1,139
Loan and lease loss provision to assets0.2300%514
Net operating income to assets0.4781%3,717
Return on assets (ROA)0.4781%3,715
Pretax return on assets0.6409%3,559
Return on Equity (ROE)5.8800%3,542
Retained earnings to average equity (ytd only)1.7695%3,635
Net charge-offs to loans-0.0016%3,653
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio77.3383%1,128
Assets per employee ($millions)5.8493%2,943
Cash dividends to net income (ytd only)*69.9301%844
Condition Ratios (%)
Loss allowance to loans1.3521%1,574
Loan loss allowance to noncurrent loans442.3256%1,564
Noncurrent assets plus other real estate owned to assets0.2297%2,069
Noncurrent loans to loans0.3057%2,088
Net loans and leases to total assets74.1400%1,341
Net loans and leases to deposits82.9401%1,870
Net loans and leases to core deposits96.8132%1,613
Total domestic deposits to total assets89.3900%948
Equity capital to assets8.2157%3,267
Core capital (leverage) ratio8.6333%4,012
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9211%2,263
Memoranda:
Average total assets$89,724,0003,916
Average earning assets$84,020,4003,892
Average equity$7,290,2004,013
Average total loans$63,145,6003,661
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0785%1,666
Cost of funding earning assets1.2319%2,327
Net interest margin3.8466%1,502
Noninterest income to average assets0.1600%4,013
Noninterest expense to average assets3.1230%901
Loan and lease loss provision to assets0.1600%736
Net operating income to assets0.3605%4,027
Return on assets (ROA)0.3605%4,033
Pretax return on assets0.4807%3,937
Return on Equity (ROE)4.4500%3,911
Retained earnings to average equity (ytd only)-1.1126%4,262
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio82.8811%677
Assets per employee ($millions)4.9502%3,639
Cash dividends to net income (ytd only)*125.0000%113
Condition Ratios (%)
Loss allowance to loans1.3114%1,820
Loan loss allowance to noncurrent loans381.1659%1,728
Noncurrent assets plus other real estate owned to assets0.2503%2,007
Noncurrent loans to loans0.3441%1,996
Net loans and leases to total assets71.7900%1,600
Net loans and leases to deposits80.3250%2,018
Net loans and leases to core deposits94.6131%1,641
Total domestic deposits to total assets89.3700%1,129
Equity capital to assets7.9592%3,076
Core capital (leverage) ratio8.6256%4,079
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4790%2,085
Memoranda:
Average total assets$88,757,7503,938
Average earning assets$83,120,0003,914
Average equity$7,190,5004,029
Average total loans$61,347,7503,695
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9156%1,729
Cost of funding earning assets1.0163%2,545
Net interest margin3.8992%1,432
Noninterest income to average assets0.1400%4,111
Noninterest expense to average assets3.1452%846
Loan and lease loss provision to assets0.1800%602
Net operating income to assets0.3542%4,083
Return on assets (ROA)0.3542%4,105
Pretax return on assets0.4716%4,015
Return on Equity (ROE)4.3500%3,976
Retained earnings to average equity (ytd only)-3.9594%4,388
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio82.7689%668
Assets per employee ($millions)5.0411%3,565
Cash dividends to net income (ytd only)*191.0828%51
Condition Ratios (%)
Loss allowance to loans1.2987%1,938
Loan loss allowance to noncurrent loans356.2771%1,941
Noncurrent assets plus other real estate owned to assets0.2546%1,928
Noncurrent loans to loans0.3645%1,834
Net loans and leases to total assets68.9300%1,860
Net loans and leases to deposits76.9032%2,224
Net loans and leases to core deposits89.4223%1,834
Total domestic deposits to total assets89.6400%1,038
Equity capital to assets7.9260%3,262
Core capital (leverage) ratio8.5692%4,102
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5853%2,065
Memoranda:
Average total assets$88,642,3333,953
Average earning assets$83,042,3333,921
Average equity$7,223,3334,045
Average total loans$60,191,6673,720
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7983%1,620
Cost of funding earning assets0.7924%2,760
Net interest margin4.0059%1,253
Noninterest income to average assets0.1200%4,272
Noninterest expense to average assets3.2057%792
Loan and lease loss provision to assets0.1600%685
Net operating income to assets0.3836%4,112
Return on assets (ROA)0.3836%4,062
Pretax return on assets0.5115%3,978
Return on Equity (ROE)4.6400%3,939
Retained earnings to average equity (ytd only)-11.9354%4,510
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio82.4706%677
Assets per employee ($millions)4.8732%3,749
Cash dividends to net income (ytd only)*357.1429%39
Condition Ratios (%)
Loss allowance to loans1.3030%2,021
Loan loss allowance to noncurrent loans324.5833%2,117
Noncurrent assets plus other real estate owned to assets0.2736%1,772
Noncurrent loans to loans0.4014%1,729
Net loans and leases to total assets67.2700%1,925
Net loans and leases to deposits76.3940%2,083
Net loans and leases to core deposits81.5113%2,145
Total domestic deposits to total assets88.0500%1,910
Equity capital to assets8.1957%3,111
Core capital (leverage) ratio8.7925%3,907
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5633%2,160
Memoranda:
Average total assets$87,594,0004,021
Average earning assets$82,279,5003,988
Average equity$7,239,0004,091
Average total loans$58,601,0003,781
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3573%955
Cost of funding earning assets0.2427%3,388
Net interest margin4.1146%638
Noninterest income to average assets0.1800%4,071
Noninterest expense to average assets3.2874%635
Loan and lease loss provision to assets0.0600%1,752
Net operating income to assets0.5103%4,076
Return on assets (ROA)0.5103%4,033
Pretax return on assets0.6832%3,883
Return on Equity (ROE)5.3800%3,953
Retained earnings to average equity (ytd only)-2.6382%4,510
Net charge-offs to loans0.0074%2,126
Credit loss provision to net charge-offs1,250.0000%366
Earnings coverage of net charge-offs (x)151.7500%786
Efficiency ratio81.2899%635
Assets per employee ($millions)4.8595%3,773
Cash dividends to net income (ytd only)*149.0385%77
Condition Ratios (%)
Loss allowance to loans1.2940%1,927
Loan loss allowance to noncurrent loans350.4717%1,998
Noncurrent assets plus other real estate owned to assets0.2424%1,942
Noncurrent loans to loans0.3692%1,821
Net loans and leases to total assets64.7900%2,167
Net loans and leases to deposits70.8850%2,501
Net loans and leases to core deposits75.3023%2,479
Total domestic deposits to total assets91.4000%811
Equity capital to assets8.3330%2,827
Core capital (leverage) ratio9.1234%3,566
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3792%1,821
Memoranda:
Average total assets$81,523,6004,111
Average earning assets$76,240,2004,083
Average equity$7,732,4004,125
Average total loans$54,133,4003,834
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3219%697
Cost of funding earning assets0.1554%3,789
Net interest margin4.1664%452
Noninterest income to average assets0.2000%3,989
Noninterest expense to average assets3.3434%559
Loan and lease loss provision to assets0.0800%1,289
Net operating income to assets0.4931%4,093
Return on assets (ROA)0.4931%4,042
Pretax return on assets0.6580%3,887
Return on Equity (ROE)5.0300%3,977
Retained earnings to average equity (ytd only)-5.5078%4,613
Net charge-offs to loans0.0100%1,751
Credit loss provision to net charge-offs1,250.0000%348
Earnings coverage of net charge-offs (x)111.2500%888
Efficiency ratio81.6069%676
Assets per employee ($millions)5.0021%3,672
Cash dividends to net income (ytd only)*209.4595%47
Condition Ratios (%)
Loss allowance to loans1.3267%1,905
Loan loss allowance to noncurrent loans222.4551%2,552
Noncurrent assets plus other real estate owned to assets0.3928%1,381
Noncurrent loans to loans0.5964%1,353
Net loans and leases to total assets64.9900%1,984
Net loans and leases to deposits71.0884%2,278
Net loans and leases to core deposits74.2210%2,332
Total domestic deposits to total assets91.4200%1,074
Equity capital to assets8.1978%2,763
Core capital (leverage) ratio9.1819%3,410
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5713%1,855
Memoranda:
Average total assets$80,036,7504,159
Average earning assets$74,626,5004,132
Average equity$7,843,2504,157
Average total loans$53,312,5003,863
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3296%508
Cost of funding earning assets0.1173%3,992
Net interest margin4.2122%331
Noninterest income to average assets0.2045%3,971
Noninterest expense to average assets3.4203%469
Loan and lease loss provision to assets0.1278%763
Net operating income to assets0.4525%3,997
Return on assets (ROA)0.4525%3,953
Pretax return on assets0.6033%3,810
Return on Equity (ROE)4.4774%3,916
Retained earnings to average equity (ytd only)-2.3525%4,409
Net charge-offs to loans0.0496%896
Credit loss provision to net charge-offs384.6154%710
Earnings coverage of net charge-offs (x)22.0000%1,513
Efficiency ratio82.1429%788
Assets per employee ($millions)3.6380%4,511
Cash dividends to net income (ytd only)*152.5424%138
Condition Ratios (%)
Loss allowance to loans1.4139%1,697
Loan loss allowance to noncurrent loans264.0288%2,311
Noncurrent assets plus other real estate owned to assets0.3639%1,538
Noncurrent loans to loans0.5355%1,549
Net loans and leases to total assets66.9878%1,586
Net loans and leases to deposits74.5112%1,804
Net loans and leases to core deposits77.5506%1,888
Total domestic deposits to total assets89.9030%1,748
Equity capital to assets9.5381%1,990
Core capital (leverage) ratio10.1196%2,261
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2583%1,373
Memoranda:
Average total assets$78,239,3334,221
Average earning assets$73,310,0004,205
Average equity$7,906,3334,213
Average total loans$52,415,0003,921
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5562%283
Cost of funding earning assets0.1186%3,913
Net interest margin4.4376%186
Noninterest income to average assets0.2021%3,951
Noninterest expense to average assets3.3148%526
Loan and lease loss provision to assets0.2527%257
Net operating income to assets0.5963%3,408
Return on assets (ROA)0.5963%3,391
Pretax return on assets0.7933%3,128
Return on Equity (ROE)5.7449%3,417
Retained earnings to average equity (ytd only)-7.4002%4,506
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7822%1,553
Assets per employee ($millions)3.8509%4,455
Cash dividends to net income (ytd only)*228.8136%164
Condition Ratios (%)
Loss allowance to loans1.4392%1,765
Loan loss allowance to noncurrent loans298.8000%2,104
Noncurrent assets plus other real estate owned to assets0.3246%1,813
Noncurrent loans to loans0.4816%1,823
Net loans and leases to total assets66.4243%1,370
Net loans and leases to deposits74.2442%1,582
Net loans and leases to core deposits78.2256%1,598
Total domestic deposits to total assets89.4673%1,832
Equity capital to assets9.9900%1,896
Core capital (leverage) ratio10.0628%2,221
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1392%1,473
Memoranda:
Average total assets$79,159,5004,235
Average earning assets$74,185,0004,210
Average equity$8,216,0004,248
Average total loans$52,666,5003,932
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2721%887
Cost of funding earning assets0.1459%4,016
Net interest margin4.1262%565
Noninterest income to average assets0.3084%3,558
Noninterest expense to average assets3.0311%936
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.8232%3,263
Return on assets (ROA)0.8232%3,334
Pretax return on assets1.1340%2,874
Return on Equity (ROE)7.8056%3,279
Retained earnings to average equity (ytd only)4.6600%2,943
Net charge-offs to loans0.0635%1,153
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)27.1471%1,685
Efficiency ratio72.3894%1,465
Assets per employee ($millions)4.2791%4,282
Cash dividends to net income (ytd only)*40.2985%2,021
Condition Ratios (%)
Loss allowance to loans1.3046%2,338
Loan loss allowance to noncurrent loans181.5104%2,740
Noncurrent assets plus other real estate owned to assets0.4723%1,400
Noncurrent loans to loans0.7187%1,415
Net loans and leases to total assets64.8582%1,600
Net loans and leases to deposits72.9134%1,819
Net loans and leases to core deposits76.5882%1,870
Total domestic deposits to total assets88.9523%1,538
Equity capital to assets10.7476%1,978
Core capital (leverage) ratio10.2952%2,084
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7731%1,320
Memoranda:
Average total assets$81,390,8004,194
Average earning assets$76,075,4004,186
Average equity$8,583,6004,280
Average total loans$53,567,6003,938
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2138%1,089
Cost of funding earning assets0.1543%4,073
Net interest margin4.0595%702
Noninterest income to average assets0.3177%3,528
Noninterest expense to average assets2.9413%1,056
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.8549%3,376
Return on assets (ROA)0.8549%3,438
Pretax return on assets1.1677%3,028
Return on Equity (ROE)8.1449%3,362
Retained earnings to average equity (ytd only)3.9320%3,599
Net charge-offs to loans0.0846%840
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)20.9706%1,714
Efficiency ratio71.1837%1,474
Assets per employee ($millions)3.9481%4,474
Cash dividends to net income (ytd only)*51.7241%1,121
Condition Ratios (%)
Loss allowance to loans1.3666%2,153
Loan loss allowance to noncurrent loans190.9589%2,602
Noncurrent assets plus other real estate owned to assets0.4622%1,647
Noncurrent loans to loans0.7157%1,555
Net loans and leases to total assets63.7079%1,807
Net loans and leases to deposits72.0619%2,047
Net loans and leases to core deposits75.1887%2,123
Total domestic deposits to total assets88.4071%1,616
Equity capital to assets10.9990%2,021
Core capital (leverage) ratio10.2844%2,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4278%1,262
Memoranda:
Average total assets$81,413,0004,245
Average earning assets$76,033,5004,236
Average equity$8,545,0004,347
Average total loans$53,602,5003,988
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0388%1,473
Cost of funding earning assets0.1610%4,111
Net interest margin3.8778%1,013
Noninterest income to average assets0.2578%3,847
Noninterest expense to average assets2.7873%1,383
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.8075%3,487
Return on assets (ROA)0.8075%3,560
Pretax return on assets1.1018%3,210
Return on Equity (ROE)7.8133%3,450
Retained earnings to average equity (ytd only)1.4591%4,247
Net charge-offs to loans0.1248%626
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)13.3235%1,698
Efficiency ratio71.2320%1,502
Assets per employee ($millions)5.1863%3,471
Cash dividends to net income (ytd only)*81.3253%470
Condition Ratios (%)
Loss allowance to loans1.2951%2,463
Loan loss allowance to noncurrent loans200.8646%2,454
Noncurrent assets plus other real estate owned to assets0.4182%1,938
Noncurrent loans to loans0.6448%1,803
Net loans and leases to total assets64.0159%1,948
Net loans and leases to deposits77.1043%1,719
Net loans and leases to core deposits80.1887%1,872
Total domestic deposits to total assets83.0250%3,702
Equity capital to assets10.2999%2,576
Core capital (leverage) ratio10.4674%1,984
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0242%1,116
Memoranda:
Average total assets$82,230,0004,262
Average earning assets$77,003,3334,246
Average equity$8,498,3334,371
Average total loans$54,469,3333,999
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3322%996
Cost of funding earning assets0.1720%4,144
Net interest margin4.1601%650
Noninterest income to average assets0.1661%4,368
Noninterest expense to average assets2.6437%1,758
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.0409%2,666
Return on assets (ROA)1.0409%2,749
Pretax return on assets1.4220%2,221
Return on Equity (ROE)10.0543%2,673
Retained earnings to average equity (ytd only)-2.6906%4,585
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6635%2,388
Assets per employee ($millions)5.1364%3,498
Cash dividends to net income (ytd only)*126.7606%300
Condition Ratios (%)
Loss allowance to loans1.3705%2,101
Loan loss allowance to noncurrent loans99.3207%3,353
Noncurrent assets plus other real estate owned to assets0.8956%966
Noncurrent loans to loans1.3799%918
Net loans and leases to total assets64.0128%2,039
Net loans and leases to deposits78.3297%1,686
Net loans and leases to core deposits81.8608%1,850
Total domestic deposits to total assets81.7223%3,951
Equity capital to assets10.2662%2,463
Core capital (leverage) ratio10.5494%2,043
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4167%1,005
Memoranda:
Average total assets$81,854,5004,282
Average earning assets$76,728,5004,270
Average equity$8,474,0004,391
Average total loans$54,795,0004,012
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5447%1,201
Cost of funding earning assets0.2979%4,157
Net interest margin4.2468%568
Noninterest income to average assets0.1234%4,658
Noninterest expense to average assets2.8610%1,784
Loan and lease loss provision to assets0.1386%2,627
Net operating income to assets0.7735%3,194
Return on assets (ROA)0.7735%3,316
Pretax return on assets1.0756%2,792
Return on Equity (ROE)6.7087%3,320
Retained earnings to average equity (ytd only)3.4625%3,099
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5918%2,005
Assets per employee ($millions)5.0954%3,287
Cash dividends to net income (ytd only)*48.3871%1,925
Condition Ratios (%)
Loss allowance to loans1.2995%2,413
Loan loss allowance to noncurrent loans235.8065%2,073
Noncurrent assets plus other real estate owned to assets0.3802%2,460
Noncurrent loans to loans0.5511%2,334
Net loans and leases to total assets68.1014%1,815
Net loans and leases to deposits89.3511%975
Net loans and leases to core deposits92.8507%1,316
Total domestic deposits to total assets76.2177%4,497
Equity capital to assets10.4395%2,726
Core capital (leverage) ratio10.6773%2,028
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0235%899
Memoranda:
Average total assets$72,142,6004,353
Average earning assets$67,133,6004,336
Average equity$8,317,6004,387
Average total loans$51,294,0004,090
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5249%1,512
Cost of funding earning assets0.3270%4,174
Net interest margin4.1979%736
Noninterest income to average assets0.1032%4,752
Noninterest expense to average assets2.7833%2,014
Loan and lease loss provision to assets0.1906%2,083
Net operating income to assets0.7507%3,284
Return on assets (ROA)0.7507%3,389
Pretax return on assets1.0277%2,968
Return on Equity (ROE)6.3366%3,433
Retained earnings to average equity (ytd only)1.9832%3,939
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8783%2,063
Assets per employee ($millions)6.1585%2,126
Cash dividends to net income (ytd only)*68.7023%862
Condition Ratios (%)
Loss allowance to loans1.2630%2,339
Loan loss allowance to noncurrent loans227.0186%2,000
Noncurrent assets plus other real estate owned to assets0.3735%2,656
Noncurrent loans to loans0.5563%2,402
Net loans and leases to total assets66.2812%2,484
Net loans and leases to deposits89.7818%1,289
Net loans and leases to core deposits92.8269%1,723
Total domestic deposits to total assets73.8248%4,578
Equity capital to assets9.6846%3,532
Core capital (leverage) ratio10.8097%2,015
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.3015%869
Memoranda:
Average total assets$69,796,5004,397
Average earning assets$64,824,2504,390
Average equity$8,269,2504,412
Average total loans$50,054,5004,132
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2882%101
Cost of funding earning assets0.3770%4,139
Net interest margin5.9112%70
Noninterest income to average assets0.1276%4,666
Noninterest expense to average assets3.0553%1,447
Loan and lease loss provision to assets0.3111%1,385
Net operating income to assets1.6272%719
Return on assets (ROA)1.6272%788
Pretax return on assets2.2246%352
Return on Equity (ROE)12.5214%1,211
Retained earnings to average equity (ytd only)6.0572%2,053
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.1458%4,164
Assets per employee ($millions)6.4471%1,831
Cash dividends to net income (ytd only)*51.6252%1,502
Condition Ratios (%)
Loss allowance to loans1.2863%2,070
Loan loss allowance to noncurrent loans222.8659%1,979
Noncurrent assets plus other real estate owned to assets0.4240%2,608
Noncurrent loans to loans0.5772%2,419
Net loans and leases to total assets72.5121%1,624
Net loans and leases to deposits101.3917%472
Net loans and leases to core deposits104.7033%959
Total domestic deposits to total assets71.5168%4,731
Equity capital to assets10.9649%2,376
Core capital (leverage) ratio12.1282%1,321
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2264%746
Memoranda:
Average total assets$64,282,0004,478
Average earning assets$59,412,6674,474
Average equity$8,353,6674,426
Average total loans$47,446,6674,187
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0624%861
Cost of funding earning assets0.4458%4,170
Net interest margin4.6166%394
Noninterest income to average assets0.2009%4,351
Noninterest expense to average assets3.1936%1,441
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.8867%2,563
Return on assets (ROA)0.8867%2,662
Pretax return on assets1.2400%2,067
Return on Equity (ROE)6.1769%3,249
Retained earnings to average equity (ytd only)6.1769%1,809
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2500%2,185
Assets per employee ($millions)4.4439%3,342
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4697%1,448
Loan loss allowance to noncurrent loans186.1357%2,183
Noncurrent assets plus other real estate owned to assets0.5868%2,244
Noncurrent loans to loans0.7896%2,037
Net loans and leases to total assets73.2236%1,744
Net loans and leases to deposits85.9046%2,016
Net loans and leases to core deposits89.0568%2,439
Total domestic deposits to total assets85.2383%2,315
Equity capital to assets14.4605%907
Core capital (leverage) ratio13.0310%1,195
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.9657%870
Memoranda:
Average total assets$57,740,5004,583
Average earning assets$52,939,5004,585
Average equity$8,289,0004,457
Average total loans$42,755,0004,309
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4131%654
Cost of funding earning assets0.4105%4,410
Net interest margin5.0026%268
Noninterest income to average assets0.4118%3,222
Noninterest expense to average assets3.2649%1,373
Loan and lease loss provision to assets0.4063%353
Net operating income to assets0.9663%2,965
Return on assets (ROA)0.9663%3,052
Pretax return on assets1.3122%2,471
Return on Equity (ROE)6.6132%3,704
Retained earnings to average equity (ytd only)5.6237%2,086
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6346%2,983
Assets per employee ($millions)4.1221%3,737
Cash dividends to net income (ytd only)*14.9621%3,630
Condition Ratios (%)
Loss allowance to loans1.4820%1,278
Loan loss allowance to noncurrent loans362.6437%1,296
Noncurrent assets plus other real estate owned to assets0.3015%3,226
Noncurrent loans to loans0.4087%2,975
Net loans and leases to total assets72.6841%1,974
Net loans and leases to deposits84.9075%2,221
Net loans and leases to core deposits88.0017%2,605
Total domestic deposits to total assets85.6039%2,235
Equity capital to assets14.2506%1,017
Core capital (leverage) ratio12.8141%1,325
Tier 1 risk-based capital ratio18.4454%1,649
Total risk-based capital ratio19.6999%1,617
Memoranda:
Average total assets$54,641,6004,672
Average earning assets$49,934,0004,673
Average equity$7,984,0004,510
Average total loans$39,861,0004,403
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4153%677
Cost of funding earning assets0.3961%4,518
Net interest margin5.0192%280
Noninterest income to average assets0.4672%2,914
Noninterest expense to average assets3.2188%1,425
Loan and lease loss provision to assets0.4326%299
Net operating income to assets1.0235%2,895
Return on assets (ROA)1.0235%2,969
Pretax return on assets1.3894%2,349
Return on Equity (ROE)6.9330%3,706
Retained earnings to average equity (ytd only)5.6101%2,565
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9720%3,168
Assets per employee ($millions)4.1294%3,715
Cash dividends to net income (ytd only)*19.0819%3,075
Condition Ratios (%)
Loss allowance to loans1.4658%1,344
Loan loss allowance to noncurrent loans186.5815%2,201
Noncurrent assets plus other real estate owned to assets0.5414%2,386
Noncurrent loans to loans0.7856%2,005
Net loans and leases to total assets67.9046%2,800
Net loans and leases to deposits79.2222%2,987
Net loans and leases to core deposits82.0881%3,240
Total domestic deposits to total assets85.7140%2,116
Equity capital to assets14.0265%1,138
Core capital (leverage) ratio13.1078%1,304
Tier 1 risk-based capital ratio19.8052%1,398
Total risk-based capital ratio21.0587%1,362
Memoranda:
Average total assets$53,932,0004,750
Average earning assets$49,143,7504,755
Average equity$7,961,7504,564
Average total loans$39,171,0004,478
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4152%660
Cost of funding earning assets0.3704%4,618
Net interest margin5.0448%262
Noninterest income to average assets0.5585%2,349
Noninterest expense to average assets3.2600%1,360
Loan and lease loss provision to assets0.5129%224
Net operating income to assets1.0259%2,820
Return on assets (ROA)1.0259%2,903
Pretax return on assets1.3906%2,235
Return on Equity (ROE)6.8245%3,743
Retained earnings to average equity (ytd only)4.8277%2,850
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2517%3,389
Assets per employee ($millions)3.8608%4,048
Cash dividends to net income (ytd only)*29.2593%2,661
Condition Ratios (%)
Loss allowance to loans1.3620%1,768
Loan loss allowance to noncurrent loans115.0106%3,086
Noncurrent assets plus other real estate owned to assets0.8751%1,604
Noncurrent loans to loans1.1843%1,356
Net loans and leases to total assets72.8867%2,084
Net loans and leases to deposits85.7441%2,285
Net loans and leases to core deposits89.0869%2,685
Total domestic deposits to total assets85.0049%2,480
Equity capital to assets14.7213%883
Core capital (leverage) ratio13.4749%1,128
Tier 1 risk-based capital ratio19.7253%1,400
Total risk-based capital ratio20.9778%1,367
Memoranda:
Average total assets$52,638,6704,809
Average earning assets$48,049,6704,806
Average equity$7,912,6704,592
Average total loans$38,947,6704,520
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2109%890
Cost of funding earning assets0.3209%4,775
Net interest margin4.8900%343
Noninterest income to average assets0.5931%2,077
Noninterest expense to average assets3.3274%1,232
Loan and lease loss provision to assets0.4852%222
Net operating income to assets0.9166%3,174
Return on assets (ROA)0.9166%3,212
Pretax return on assets1.2401%2,661
Return on Equity (ROE)6.0326%4,010
Retained earnings to average equity (ytd only)6.0326%2,443
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.9390%3,093
Assets per employee ($millions)3.9323%4,024
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2318%2,418
Loan loss allowance to noncurrent loans109.5128%3,242
Noncurrent assets plus other real estate owned to assets1.0563%1,311
Noncurrent loans to loans1.1248%1,484
Net loans and leases to total assets74.0317%1,794
Net loans and leases to deposits88.0198%1,870
Net loans and leases to core deposits91.6788%2,329
Total domestic deposits to total assets84.1080%3,012
Equity capital to assets15.4108%667
Core capital (leverage) ratio13.8450%989
Tier 1 risk-based capital ratio20.2218%1,302
Total risk-based capital ratio21.4736%1,267
Memoranda:
Average total assets$51,932,5004,874
Average earning assets$47,362,0004,871
Average equity$7,890,5004,628
Average total loans$38,451,5004,580
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0356%972
Cost of funding earning assets0.2382%4,861
Net interest margin4.7974%400
Noninterest income to average assets0.2525%4,416
Noninterest expense to average assets3.0222%2,000
Loan and lease loss provision to assets0.4730%263
Net operating income to assets0.8056%3,789
Return on assets (ROA)0.8056%3,785
Pretax return on assets1.0762%3,359
Return on Equity (ROE)5.2225%4,408
Retained earnings to average equity (ytd only)5.2225%2,650
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8400%3,057
Assets per employee ($millions)4.0573%3,814
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0600%3,322
Loan loss allowance to noncurrent loans75.6007%3,821
Noncurrent assets plus other real estate owned to assets1.2323%1,046
Noncurrent loans to loans1.4021%1,112
Net loans and leases to total assets72.3803%2,196
Net loans and leases to deposits85.5334%2,342
Net loans and leases to core deposits89.7691%2,591
Total domestic deposits to total assets84.6222%2,789
Equity capital to assets14.9834%714
Core capital (leverage) ratio13.2273%1,170
Tier 1 risk-based capital ratio19.3807%1,430
Total risk-based capital ratio20.5688%1,409
Memoranda:
Average total assets$49,898,2004,934
Average earning assets$44,920,6004,957
Average equity$7,697,4004,650
Average total loans$36,270,6004,648
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0456%850
Cost of funding earning assets0.2207%4,937
Net interest margin4.8249%359
Noninterest income to average assets0.2168%4,668
Noninterest expense to average assets2.9980%2,018
Loan and lease loss provision to assets0.4961%227
Net operating income to assets0.7997%3,902
Return on assets (ROA)0.7997%3,910
Pretax return on assets1.0490%3,579
Return on Equity (ROE)5.1441%4,516
Retained earnings to average equity (ytd only)5.1441%3,163
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6778%3,073
Assets per employee ($millions)4.5068%3,117
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9269%4,151
Loan loss allowance to noncurrent loans64.9635%4,100
Noncurrent assets plus other real estate owned to assets1.3253%1,014
Noncurrent loans to loans1.4268%1,161
Net loans and leases to total assets76.7544%1,545
Net loans and leases to deposits91.6406%1,665
Net loans and leases to core deposits95.3086%2,185
Total domestic deposits to total assets83.7559%3,026
Equity capital to assets15.7257%579
Core capital (leverage) ratio13.5309%1,091
Tier 1 risk-based capital ratio19.2072%1,492
Total risk-based capital ratio20.2502%1,505
Memoranda:
Average total assets$49,186,5005,008
Average earning assets$44,103,5005,026
Average equity$7,646,0004,705
Average total loans$35,691,7504,718
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8202%1,197
Cost of funding earning assets0.2007%5,028
Net interest margin4.6195%528
Noninterest income to average assets0.1875%4,890
Noninterest expense to average assets2.9557%2,185
Loan and lease loss provision to assets0.4199%286
Net operating income to assets0.7298%4,106
Return on assets (ROA)0.7298%4,106
Pretax return on assets0.9418%3,835
Return on Equity (ROE)4.7130%4,635
Retained earnings to average equity (ytd only)4.7130%3,230
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1388%2,792
Assets per employee ($millions)4.5120%3,118
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.7683%4,790
Loan loss allowance to noncurrent loans71.1340%3,977
Noncurrent assets plus other real estate owned to assets1.0014%1,501
Noncurrent loans to loans1.0801%1,631
Net loans and leases to total assets71.8206%2,303
Net loans and leases to deposits85.5579%2,369
Net loans and leases to core deposits88.4099%2,686
Total domestic deposits to total assets83.9438%3,088
Equity capital to assets15.4678%598
Core capital (leverage) ratio13.8193%955
Tier 1 risk-based capital ratio19.9870%1,322
Total risk-based capital ratio20.8445%1,368
Memoranda:
Average total assets$49,057,0005,065
Average earning assets$43,857,3305,091
Average equity$7,596,0004,762
Average total loans$34,786,6704,788
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7988%1,085
Cost of funding earning assets0.1927%5,057
Net interest margin4.6061%494
Noninterest income to average assets0.1640%5,037
Noninterest expense to average assets2.9445%2,212
Loan and lease loss provision to assets0.2789%488
Net operating income to assets0.8530%3,490
Return on assets (ROA)0.8530%3,504
Pretax return on assets1.0580%3,325
Return on Equity (ROE)5.5059%4,313
Retained earnings to average equity (ytd only)5.5059%2,945
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4330%2,928
Assets per employee ($millions)4.3627%3,377
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.6011%5,181
Loan loss allowance to noncurrent loans52.8061%4,405
Noncurrent assets plus other real estate owned to assets1.8254%662
Noncurrent loans to loans1.1383%1,609
Net loans and leases to total assets71.3294%2,279
Net loans and leases to deposits85.5561%2,222
Net loans and leases to core deposits87.6168%2,665
Total domestic deposits to total assets83.3715%3,555
Equity capital to assets15.8429%511
Core capital (leverage) ratio13.3888%1,042
Tier 1 risk-based capital ratio20.1026%1,326
Total risk-based capital ratio20.7578%1,406
Memoranda:
Average total assets$48,769,5005,129
Average earning assets$43,594,0005,151
Average equity$7,555,5004,817
Average total loans$34,219,0004,856
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8052%970
Cost of funding earning assets0.1821%5,078
Net interest margin4.6232%478
Noninterest income to average assets0.1406%5,248
Noninterest expense to average assets3.2858%1,406
Loan and lease loss provision to assets0.2481%760
Net operating income to assets0.4921%4,393
Return on assets (ROA)0.4921%4,428
Pretax return on assets0.7548%4,374
Return on Equity (ROE)3.2265%4,766
Retained earnings to average equity (ytd only)3.2265%3,367
Net charge-offs to loans0.0526%2,753
Credit loss provision to net charge-offs705.8824%462
Earnings coverage of net charge-offs (x)28.5294%1,600
Efficiency ratio74.9759%1,764
Assets per employee ($millions)4.9549%2,536
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.5088%5,375
Loan loss allowance to noncurrent loans30.4042%4,836
Noncurrent assets plus other real estate owned to assets1.9052%621
Noncurrent loans to loans1.6735%983
Net loans and leases to total assets68.2698%2,782
Net loans and leases to deposits81.0907%2,807
Net loans and leases to core deposits83.7364%3,078
Total domestic deposits to total assets84.1894%3,129
Equity capital to assets15.1527%649
Core capital (leverage) ratio12.9214%1,171
Tier 1 risk-based capital ratio20.4502%1,237
Total risk-based capital ratio21.0155%1,333
Memoranda:
Average total assets$48,360,2005,187
Average earning assets$43,390,2005,199
Average equity$7,376,4004,884
Average total loans$32,293,2004,960
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8052%917
Cost of funding earning assets0.1854%5,090
Net interest margin4.6198%470
Noninterest income to average assets0.1359%5,327
Noninterest expense to average assets3.3206%1,297
Loan and lease loss provision to assets0.2358%758
Net operating income to assets0.4466%4,889
Return on assets (ROA)0.4466%4,918
Pretax return on assets0.7268%4,538
Return on Equity (ROE)2.9231%5,127
Retained earnings to average equity (ytd only)2.9231%4,165
Net charge-offs to loans0.0711%2,109
Credit loss provision to net charge-offs500.0000%627
Earnings coverage of net charge-offs (x)20.4085%1,955
Efficiency ratio75.8420%1,613
Assets per employee ($millions)5.4592%1,967
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.4322%5,533
Loan loss allowance to noncurrent loans21.5504%5,048
Noncurrent assets plus other real estate owned to assets2.5075%429
Noncurrent loans to loans2.0055%850
Net loans and leases to total assets65.1762%3,219
Net loans and leases to deposits77.5676%3,216
Net loans and leases to core deposits81.0360%3,368
Total domestic deposits to total assets84.0250%3,114
Equity capital to assets15.1385%705
Core capital (leverage) ratio13.1856%1,132
Tier 1 risk-based capital ratio21.9357%1,050
Total risk-based capital ratio22.4254%1,150
Memoranda:
Average total assets$48,063,0005,250
Average earning assets$43,146,7505,263
Average equity$7,343,5004,937
Average total loans$31,866,5005,019
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8524%769
Cost of funding earning assets0.1821%5,121
Net interest margin4.6703%418
Noninterest income to average assets0.1258%5,421
Noninterest expense to average assets3.5509%935
Loan and lease loss provision to assets0.2683%600
Net operating income to assets0.3060%5,208
Return on assets (ROA)0.3060%5,228
Pretax return on assets0.4989%5,006
Return on Equity (ROE)1.9967%5,347
Retained earnings to average equity (ytd only)1.9967%4,456
Net charge-offs to loans0.1070%1,560
Credit loss provision to net charge-offs376.4706%822
Earnings coverage of net charge-offs (x)10.7647%2,324
Efficiency ratio80.5825%1,149
Assets per employee ($millions)4.7232%2,761
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.3583%5,634
Loan loss allowance to noncurrent loans12.0993%5,164
Noncurrent assets plus other real estate owned to assets2.8731%335
Noncurrent loans to loans2.9612%442
Net loans and leases to total assets68.8919%2,682
Net loans and leases to deposits82.4628%2,656
Net loans and leases to core deposits85.8707%2,891
Total domestic deposits to total assets83.5429%3,387
Equity capital to assets15.5636%600
Core capital (leverage) ratio13.2432%1,080
Tier 1 risk-based capital ratio20.4832%1,274
Total risk-based capital ratio20.8741%1,404
Memoranda:
Average total assets$47,706,3305,297
Average earning assets$42,824,0005,314
Average equity$7,312,0004,965
Average total loans$31,768,0005,054
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6906%956
Cost of funding earning assets0.1850%5,113
Net interest margin4.5056%519
Noninterest income to average assets0.1251%5,494
Noninterest expense to average assets3.4791%1,072
Loan and lease loss provision to assets0.3170%398
Net operating income to assets0.2420%5,320
Return on assets (ROA)0.2420%5,335
Pretax return on assets0.3921%5,169
Return on Equity (ROE)1.5907%5,403
Retained earnings to average equity (ytd only)1.5907%4,467
Net charge-offs to loans0.2171%817
Credit loss provision to net charge-offs223.5294%944
Earnings coverage of net charge-offs (x)5.0000%2,325
Efficiency ratio81.2749%1,222
Assets per employee ($millions)4.8165%2,673
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.2865%5,747
Loan loss allowance to noncurrent loans7.2568%5,263
Noncurrent assets plus other real estate owned to assets3.4403%251
Noncurrent loans to loans3.9481%268
Net loans and leases to total assets65.7552%3,010
Net loans and leases to deposits78.2000%2,946
Net loans and leases to core deposits81.5800%3,134
Total domestic deposits to total assets84.0860%3,446
Equity capital to assets15.1708%624
Core capital (leverage) ratio13.4518%989
Tier 1 risk-based capital ratio21.2274%1,190
Total risk-based capital ratio21.5407%1,304
Memoranda:
Average total assets$47,943,5005,354
Average earning assets$43,235,0005,366
Average equity$7,292,5005,004
Average total loans$31,324,0005,113
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4925%5,759
Cost of funding earning assets0.1041%5,685
Net interest margin2.3885%5,651
Noninterest income to average assets0.0636%5,742
Noninterest expense to average assets1.7175%5,549
Loan and lease loss provision to assets0.1649%1,492
Net operating income to assets0.2167%5,389
Return on assets (ROA)0.2167%5,449
Pretax return on assets0.3440%5,310
Return on Equity (ROE)1.6615%5,463
Retained earnings to average equity (ytd only)1.6615%4,586
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1429%1,822
Assets per employee ($millions)5.3024%2,053
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.2266%5,827
Loan loss allowance to noncurrent loans6.7895%5,304
Noncurrent assets plus other real estate owned to assets3.0049%337
Noncurrent loans to loans3.3381%370
Net loans and leases to total assets64.5740%3,278
Net loans and leases to deposits76.7331%3,235
Net loans and leases to core deposits80.0748%3,391
Total domestic deposits to total assets84.1541%3,371
Equity capital to assets15.2508%606
Core capital (leverage) ratio13.4755%981
Tier 1 risk-based capital ratio20.2394%1,333
Total risk-based capital ratio20.4715%1,503
Memoranda:
Average total assets$42,446,4005,501
Average earning assets$38,434,6005,499
Average equity$5,537,2005,360
Average total loans$28,822,0005,232
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.6552%5,932
Cost of funding earning assets0.0715%5,867
Net interest margin1.5837%5,916
Noninterest income to average assets0.0551%5,825
Noninterest expense to average assets1.0860%5,911
Loan and lease loss provision to assets0.0746%2,731
Net operating income to assets0.1913%5,479
Return on assets (ROA)0.1913%5,543
Pretax return on assets0.3307%5,412
Return on Equity (ROE)1.5417%5,553
Retained earnings to average equity (ytd only)1.5417%4,898
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8261%2,459
Assets per employee ($millions)5.0208%2,351
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.0784%5,917
Loan loss allowance to noncurrent loans4.9569%5,408
Noncurrent assets plus other real estate owned to assets1.9187%834
Noncurrent loans to loans1.5811%1,369
Net loans and leases to total assets64.8948%3,285
Net loans and leases to deposits77.7371%3,214
Net loans and leases to core deposits80.4543%3,402
Total domestic deposits to total assets83.4798%3,404
Equity capital to assets16.0489%549
Core capital (leverage) ratio14.2327%786
Tier 1 risk-based capital ratio21.0552%1,258
Total risk-based capital ratio21.1351%1,433
Memoranda:
Average total assets$41,127,5005,574
Average earning assets$37,295,0005,579
Average equity$5,102,0005,507
Average total loans$28,306,0005,300
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8212%852
Cost of funding earning assets0.2156%4,987
Net interest margin4.6056%503
Noninterest income to average assets-0.2162%6,041
Noninterest expense to average assets3.4847%1,188
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4878%4,730
Return on assets (ROA)0.4878%4,830
Pretax return on assets0.4878%5,157
Return on Equity (ROE)4.4238%4,743
Retained earnings to average equity (ytd only)4.4238%3,098
Net charge-offs to loans0.2289%1,025
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)3.0313%3,176
Efficiency ratio87.7215%739
Assets per employee ($millions)4.9438%2,362
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.5182%1,792
Loan loss allowance to noncurrent loans115.0273%3,418
Noncurrent assets plus other real estate owned to assets2.3717%619
Noncurrent loans to loans1.3198%1,708
Net loans and leases to total assets69.0518%2,622
Net loans and leases to deposits78.3082%3,120
Net loans and leases to core deposits80.1491%3,451
Total domestic deposits to total assets88.1795%1,335
Equity capital to assets11.1808%2,867
Core capital (leverage) ratio11.0818%2,347
Tier 1 risk-based capital ratio17.3216%2,126
Total risk-based capital ratio18.5765%2,087
Memoranda:
Average total assets$39,774,3305,666
Average earning assets$36,173,6705,659
Average equity$4,385,3305,702
Average total loans$27,959,0005,373
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7968%851
Cost of funding earning assets0.2221%4,977
Net interest margin4.5747%527
Noninterest income to average assets0.1805%5,418
Noninterest expense to average assets3.4598%1,259
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8524%2,985
Return on assets (ROA)0.8524%3,110
Pretax return on assets0.8524%4,026
Return on Equity (ROE)7.7857%3,041
Retained earnings to average equity (ytd only)7.7857%1,548
Net charge-offs to loans0.2137%945
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)5.6667%2,309
Efficiency ratio80.2326%1,579
Assets per employee ($millions)4.4500%3,163
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.5532%1,776
Loan loss allowance to noncurrent loans92.4051%3,809
Noncurrent assets plus other real estate owned to assets3.0737%406
Noncurrent loans to loans1.6809%1,348
Net loans and leases to total assets69.3159%2,454
Net loans and leases to deposits78.4874%2,954
Net loans and leases to core deposits80.3014%3,293
Total domestic deposits to total assets88.3146%1,461
Equity capital to assets11.0137%2,920
Core capital (leverage) ratio11.1364%2,273
Tier 1 risk-based capital ratio17.2127%2,208
Total risk-based capital ratio18.4676%2,177
Memoranda:
Average total assets$39,886,5005,719
Average earning assets$36,024,0005,717
Average equity$4,367,0005,748
Average total loans$28,073,0005,412
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9175%737
Cost of funding earning assets0.2404%4,887
Net interest margin4.6771%473
Noninterest income to average assets-0.1011%6,147
Noninterest expense to average assets3.5323%1,242
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.5967%4,282
Return on assets (ROA)0.5967%4,392
Pretax return on assets0.5967%4,847
Return on Equity (ROE)5.5805%4,242
Retained earnings to average equity (ytd only)5.5805%2,030
Net charge-offs to loans0.2261%1,312
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)3.7460%3,669
Efficiency ratio85.5481%1,034
Assets per employee ($millions)4.4137%3,185
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6173%1,551
Loan loss allowance to noncurrent loans47.5289%4,937
Noncurrent assets plus other real estate owned to assets3.5773%323
Noncurrent loans to loans3.4029%423
Net loans and leases to total assets69.2168%2,497
Net loans and leases to deposits78.3423%3,012
Net loans and leases to core deposits80.1650%3,325
Total domestic deposits to total assets88.3518%1,447
Equity capital to assets10.8829%2,958
Core capital (leverage) ratio11.0064%2,400
Tier 1 risk-based capital ratio17.4095%2,151
Total risk-based capital ratio18.6669%2,104
Memoranda:
Average total assets$39,549,2005,774
Average earning assets$35,770,0005,768
Average equity$4,229,0005,813
Average total loans$27,862,8005,446
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8747%810
Cost of funding earning assets0.2383%5,010
Net interest margin4.6364%509
Noninterest income to average assets0.1384%5,794
Noninterest expense to average assets3.4965%1,291
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.8438%3,198
Return on assets (ROA)0.8438%3,286
Pretax return on assets0.8438%4,195
Return on Equity (ROE)7.9260%3,115
Retained earnings to average equity (ytd only)7.9260%1,266
Net charge-offs to loans0.2107%1,233
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)5.6814%3,171
Efficiency ratio80.5599%1,571
Assets per employee ($millions)3.9627%3,949
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6938%1,487
Loan loss allowance to noncurrent loans48.8589%4,979
Noncurrent assets plus other real estate owned to assets4.3607%256
Noncurrent loans to loans3.4666%454
Net loans and leases to total assets68.9858%2,541
Net loans and leases to deposits78.1996%3,081
Net loans and leases to core deposits80.7282%3,369
Total domestic deposits to total assets88.2176%1,443
Equity capital to assets10.9471%3,084
Core capital (leverage) ratio11.0000%2,490
Tier 1 risk-based capital ratio17.3213%2,248
Total risk-based capital ratio18.5799%2,195
Memoranda:
Average total assets$39,505,7505,848
Average earning assets$35,803,0005,849
Average equity$4,205,5005,899
Average total loans$27,841,7505,513
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8340%832
Cost of funding earning assets0.2358%5,091
Net interest margin4.5982%533
Noninterest income to average assets0.1926%5,525
Noninterest expense to average assets3.5423%1,233
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8007%3,382
Return on assets (ROA)0.8007%3,474
Pretax return on assets0.8007%4,308
Return on Equity (ROE)7.5937%3,261
Retained earnings to average equity (ytd only)7.5937%1,428
Net charge-offs to loans0.0431%2,840
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)26.3333%1,489
Efficiency ratio81.5636%1,546
Assets per employee ($millions)3.9389%3,998
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.8368%1,298
Loan loss allowance to noncurrent loans37.5092%5,321
Noncurrent assets plus other real estate owned to assets5.1537%204
Noncurrent loans to loans4.8970%241
Net loans and leases to total assets69.0599%2,475
Net loans and leases to deposits77.8936%3,046
Net loans and leases to core deposits81.0355%3,276
Total domestic deposits to total assets88.6593%1,322
Equity capital to assets10.7644%3,146
Core capital (leverage) ratio10.7701%2,657
Tier 1 risk-based capital ratio16.9714%2,413
Total risk-based capital ratio18.2316%2,359
Memoranda:
Average total assets$39,465,3305,911
Average earning assets$35,622,6705,915
Average equity$4,161,3305,965
Average total loans$27,853,0005,562
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8205%827
Cost of funding earning assets0.2253%5,267
Net interest margin4.5952%502
Noninterest income to average assets0.2025%5,503
Noninterest expense to average assets3.5642%1,188
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7696%3,433
Return on assets (ROA)0.7696%3,568
Pretax return on assets0.7696%4,352
Return on Equity (ROE)7.3751%3,288
Retained earnings to average equity (ytd only)7.3751%1,823
Net charge-offs to loans0.5873%420
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)1.8537%2,860
Efficiency ratio82.2430%1,587
Assets per employee ($millions)4.0150%3,929
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.6902%1,762
Loan loss allowance to noncurrent loans40.9680%5,271
Noncurrent assets plus other real estate owned to assets4.5604%294
Noncurrent loans to loans4.1257%407
Net loans and leases to total assets68.6675%2,339
Net loans and leases to deposits77.3330%2,903
Net loans and leases to core deposits80.3814%3,119
Total domestic deposits to total assets88.7945%1,394
Equity capital to assets10.3611%3,703
Core capital (leverage) ratio10.6577%2,785
Tier 1 risk-based capital ratio16.8183%2,548
Total risk-based capital ratio18.0763%2,501
Memoranda:
Average total assets$39,503,5005,967
Average earning assets$35,515,0005,979
Average equity$4,122,0006,026
Average total loans$27,924,0005,600
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1033%627
Cost of funding earning assets0.2884%4,917
Net interest margin4.8149%424
Noninterest income to average assets0.0053%6,381
Noninterest expense to average assets3.9047%848
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.4499%5,021
Return on assets (ROA)0.4499%5,112
Pretax return on assets0.4499%5,386
Return on Equity (ROE)4.2952%4,983
Retained earnings to average equity (ytd only)4.2952%3,131
Net charge-offs to loans0.1469%2,568
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)4.1707%3,716
Efficiency ratio89.6677%864
Assets per employee ($millions)3.5325%4,847
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.8558%1,408
Loan loss allowance to noncurrent loans46.0303%5,218
Noncurrent assets plus other real estate owned to assets4.3905%359
Noncurrent loans to loans4.0318%454
Net loans and leases to total assets70.2267%2,200
Net loans and leases to deposits79.3417%2,801
Net loans and leases to core deposits82.5833%3,041
Total domestic deposits to total assets88.5117%1,522
Equity capital to assets10.5103%3,464
Core capital (leverage) ratio10.5833%2,857
Tier 1 risk-based capital ratio16.2560%2,830
Total risk-based capital ratio17.5178%2,774
Memoranda:
Average total assets$38,005,8006,083
Average earning assets$34,330,8006,078
Average equity$3,981,2006,093
Average total loans$27,919,4005,655
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0646%693
Cost of funding earning assets0.3004%4,883
Net interest margin4.7642%453
Noninterest income to average assets0.2258%5,582
Noninterest expense to average assets4.2793%567
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.2540%5,729
Return on assets (ROA)0.2540%5,788
Pretax return on assets0.2540%5,855
Return on Equity (ROE)2.4270%5,728
Retained earnings to average equity (ytd only)2.4270%4,842
Net charge-offs to loans0.1717%2,077
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)2.0000%4,019
Efficiency ratio94.3969%576
Assets per employee ($millions)3.1586%5,505
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.8636%1,542
Loan loss allowance to noncurrent loans29.8969%5,733
Noncurrent assets plus other real estate owned to assets5.4323%287
Noncurrent loans to loans6.2335%218
Net loans and leases to total assets72.5220%1,758
Net loans and leases to deposits82.1346%2,407
Net loans and leases to core deposits86.2612%2,638
Total domestic deposits to total assets88.2964%1,607
Equity capital to assets10.5031%3,553
Core capital (leverage) ratio10.4657%3,084
Tier 1 risk-based capital ratio15.4809%3,335
Total risk-based capital ratio16.7250%3,277
Memoranda:
Average total assets$37,793,0006,161
Average earning assets$34,171,0006,156
Average equity$3,955,5006,167
Average total loans$27,948,2505,704
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1275%583
Cost of funding earning assets0.3183%4,781
Net interest margin4.8092%408
Noninterest income to average assets0.2278%5,576
Noninterest expense to average assets4.1582%631
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.3920%5,255
Return on assets (ROA)0.3920%5,322
Pretax return on assets0.3920%5,591
Return on Equity (ROE)3.7497%5,253
Retained earnings to average equity (ytd only)3.7497%3,802
Net charge-offs to loans0.1790%1,962
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)2.9600%3,423
Efficiency ratio91.3853%809
Assets per employee ($millions)3.4591%4,924
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9325%1,503
Loan loss allowance to noncurrent loans29.1827%5,806
Noncurrent assets plus other real estate owned to assets6.3627%220
Noncurrent loans to loans6.6221%202
Net loans and leases to total assets70.9514%1,926
Net loans and leases to deposits79.3376%2,605
Net loans and leases to core deposits84.2577%2,714
Total domestic deposits to total assets89.4297%1,137
Equity capital to assets10.4888%3,454
Core capital (leverage) ratio10.5145%2,931
Tier 1 risk-based capital ratio14.5140%3,921
Total risk-based capital ratio15.7627%3,863
Memoranda:
Average total assets$37,756,3306,220
Average earning assets$33,934,6706,228
Average equity$3,947,0006,212
Average total loans$27,927,6705,753
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1504%539
Cost of funding earning assets0.3323%4,714
Net interest margin4.8181%370
Noninterest income to average assets0.1808%5,884
Noninterest expense to average assets4.3287%538
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.1702%5,880
Return on assets (ROA)0.1702%5,924
Pretax return on assets0.1702%5,975
Return on Equity (ROE)1.6306%5,891
Retained earnings to average equity (ytd only)1.6306%4,960
Net charge-offs to loans0.0569%2,588
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)4.0000%2,587
Efficiency ratio96.2175%629
Assets per employee ($millions)3.1478%5,603
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9749%1,563
Loan loss allowance to noncurrent loans39.7556%5,578
Noncurrent assets plus other real estate owned to assets5.5781%335
Noncurrent loans to loans4.9677%452
Net loans and leases to total assets72.6657%1,468
Net loans and leases to deposits81.4239%2,111
Net loans and leases to core deposits86.5158%2,264
Total domestic deposits to total assets89.2436%1,510
Equity capital to assets10.4122%3,342
Core capital (leverage) ratio10.4110%3,034
Tier 1 risk-based capital ratio14.3499%4,099
Total risk-based capital ratio15.6063%4,052
Memoranda:
Average total assets$37,609,5006,293
Average earning assets$33,706,0006,293
Average equity$3,925,0006,262
Average total loans$28,127,0005,792
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3461%484
Cost of funding earning assets0.5086%3,520
Net interest margin4.8375%401
Noninterest income to average assets0.2394%5,637
Noninterest expense to average assets4.0929%781
Loan and lease loss provision to assets0.0781%3,548
Net operating income to assets0.4736%4,850
Return on assets (ROA)0.4736%4,993
Pretax return on assets0.4736%5,285
Return on Equity (ROE)4.7905%4,723
Retained earnings to average equity (ytd only)4.7905%2,739
Net charge-offs to loans1.1924%448
Credit loss provision to net charge-offs8.7209%4,599
Earnings coverage of net charge-offs (x)0.6163%4,878
Efficiency ratio88.1232%1,199
Assets per employee ($millions)3.1205%5,638
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.9715%1,620
Loan loss allowance to noncurrent loans34.2769%5,813
Noncurrent assets plus other real estate owned to assets6.4813%280
Noncurrent loans to loans5.7516%374
Net loans and leases to total assets73.9625%1,353
Net loans and leases to deposits82.9892%2,056
Net loans and leases to core deposits88.2263%2,226
Total domestic deposits to total assets89.1230%1,535
Equity capital to assets10.4604%3,215
Core capital (leverage) ratio10.2895%3,159
Tier 1 risk-based capital ratio14.3559%4,044
Total risk-based capital ratio15.6180%3,982
Memoranda:
Average total assets$38,432,6006,331
Average earning assets$34,997,4006,318
Average equity$3,799,2006,372
Average total loans$28,848,6005,813
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3113%520
Cost of funding earning assets0.5440%3,333
Net interest margin4.7673%459
Noninterest income to average assets0.2344%5,756
Noninterest expense to average assets4.0227%836
Loan and lease loss provision to assets0.1034%3,038
Net operating income to assets0.4585%4,986
Return on assets (ROA)0.4585%5,132
Pretax return on assets0.4585%5,480
Return on Equity (ROE)4.7040%4,870
Retained earnings to average equity (ytd only)4.7040%3,307
Net charge-offs to loans1.1863%457
Credit loss provision to net charge-offs11.6279%4,201
Earnings coverage of net charge-offs (x)0.6318%4,641
Efficiency ratio87.7444%1,195
Assets per employee ($millions)3.1749%5,550
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.3287%1,137
Loan loss allowance to noncurrent loans27.7874%6,063
Noncurrent assets plus other real estate owned to assets7.1078%278
Noncurrent loans to loans8.3804%207
Net loans and leases to total assets70.7866%1,818
Net loans and leases to deposits79.3953%2,493
Net loans and leases to core deposits84.3440%2,612
Total domestic deposits to total assets89.1572%1,475
Equity capital to assets10.1472%3,704
Core capital (leverage) ratio10.0954%3,526
Tier 1 risk-based capital ratio14.6554%3,978
Total risk-based capital ratio15.9229%3,923
Memoranda:
Average total assets$38,679,2506,397
Average earning assets$35,295,2506,378
Average equity$3,769,7506,452
Average total loans$28,997,5005,866
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4403%414
Cost of funding earning assets0.5738%3,178
Net interest margin4.8664%389
Noninterest income to average assets0.2315%5,789
Noninterest expense to average assets4.0954%776
Loan and lease loss provision to assets0.1544%2,385
Net operating income to assets0.4322%5,096
Return on assets (ROA)0.4322%5,252
Pretax return on assets0.4322%5,571
Return on Equity (ROE)4.4948%5,004
Retained earnings to average equity (ytd only)4.4948%3,407
Net charge-offs to loans1.5886%322
Credit loss provision to net charge-offs12.8205%3,858
Earnings coverage of net charge-offs (x)0.4872%4,372
Efficiency ratio87.4725%1,282
Assets per employee ($millions)3.1743%5,536
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.3378%1,196
Loan loss allowance to noncurrent loans27.9849%6,089
Noncurrent assets plus other real estate owned to assets7.6000%291
Noncurrent loans to loans8.3537%231
Net loans and leases to total assets73.2595%1,359
Net loans and leases to deposits82.2822%2,024
Net loans and leases to core deposits87.3263%2,193
Total domestic deposits to total assets89.0344%1,616
Equity capital to assets10.0231%3,885
Core capital (leverage) ratio9.8798%3,671
Tier 1 risk-based capital ratio14.2117%4,279
Total risk-based capital ratio15.4749%4,229
Memoranda:
Average total assets$38,872,6706,439
Average earning assets$35,549,6706,419
Average equity$3,737,6706,508
Average total loans$29,459,3305,870
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5430%345
Cost of funding earning assets0.6258%2,872
Net interest margin4.9172%328
Noninterest income to average assets0.2241%5,872
Noninterest expense to average assets4.0140%870
Loan and lease loss provision to assets0.3056%1,122
Net operating income to assets0.3871%5,175
Return on assets (ROA)0.3871%5,321
Pretax return on assets0.3871%5,606
Return on Equity (ROE)4.1109%5,035
Retained earnings to average equity (ytd only)4.1109%3,751
Net charge-offs to loans0.8160%741
Credit loss provision to net charge-offs49.1803%2,614
Earnings coverage of net charge-offs (x)1.1148%3,464
Efficiency ratio85.2814%1,610
Assets per employee ($millions)3.5602%4,862
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.8598%767
Loan loss allowance to noncurrent loans35.7751%5,794
Noncurrent assets plus other real estate owned to assets7.3873%365
Noncurrent loans to loans7.9937%330
Net loans and leases to total assets72.8589%1,225
Net loans and leases to deposits81.1981%1,935
Net loans and leases to core deposits86.0776%2,096
Total domestic deposits to total assets89.7298%1,204
Equity capital to assets9.4939%4,857
Core capital (leverage) ratio9.5324%4,025
Tier 1 risk-based capital ratio13.5340%4,846
Total risk-based capital ratio14.8058%4,789
Memoranda:
Average total assets$39,263,0006,485
Average earning assets$35,793,0006,473
Average equity$3,697,5006,588
Average total loans$29,902,0005,898
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1864%197
Cost of funding earning assets0.9436%1,678
Net interest margin5.2428%249
Noninterest income to average assets0.2366%5,758
Noninterest expense to average assets3.9979%979
Loan and lease loss provision to assets1.2074%299
Net operating income to assets-0.1439%6,335
Return on assets (ROA)-0.1439%6,416
Pretax return on assets-0.1439%6,392
Return on Equity (ROE)-1.5567%6,427
Retained earnings to average equity (ytd only)-1.5567%6,098
Net charge-offs to loans3.0227%164
Credit loss provision to net charge-offs49.5495%4,715
Earnings coverage of net charge-offs (x)0.4364%5,269
Efficiency ratio78.9880%2,275
Assets per employee ($millions)3.5785%4,832
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.8622%772
Loan loss allowance to noncurrent loans44.8738%5,385
Noncurrent assets plus other real estate owned to assets5.7133%639
Noncurrent loans to loans6.3784%535
Net loans and leases to total assets75.0940%1,032
Net loans and leases to deposits83.5784%1,802
Net loans and leases to core deposits88.5534%2,028
Total domestic deposits to total assets89.8486%1,041
Equity capital to assets9.3410%5,095
Core capital (leverage) ratio9.0392%4,833
Tier 1 risk-based capital ratio13.5128%4,744
Total risk-based capital ratio14.7891%4,674
Memoranda:
Average total assets$40,996,8006,471
Average earning assets$37,728,0006,443
Average equity$3,790,0006,613
Average total loans$33,049,4005,800
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3445%168
Cost of funding earning assets1.0073%1,515
Net interest margin5.3372%226
Noninterest income to average assets0.2415%5,823
Noninterest expense to average assets4.0381%892
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.1174%2,035
Return on assets (ROA)1.1174%2,228
Pretax return on assets1.1174%3,288
Return on Equity (ROE)12.1171%1,596
Retained earnings to average equity (ytd only)12.1171%511
Net charge-offs to loans2.3498%271
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)0.5842%5,025
Efficiency ratio78.3260%2,351
Assets per employee ($millions)3.7249%4,489
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.4565%1,260
Loan loss allowance to noncurrent loans45.8651%5,345
Noncurrent assets plus other real estate owned to assets5.0276%886
Noncurrent loans to loans5.3559%812
Net loans and leases to total assets75.7846%1,003
Net loans and leases to deposits85.6607%1,641
Net loans and leases to core deposits94.6563%1,517
Total domestic deposits to total assets88.4707%1,739
Equity capital to assets9.7672%4,823
Core capital (leverage) ratio9.5961%4,120
Tier 1 risk-based capital ratio14.0894%4,464
Total risk-based capital ratio15.3578%4,413
Memoranda:
Average total assets$41,405,0006,533
Average earning assets$38,121,2506,505
Average equity$3,818,2506,691
Average total loans$33,704,0005,843
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5093%144
Cost of funding earning assets1.0666%1,372
Net interest margin5.4428%194
Noninterest income to average assets0.2455%5,817
Noninterest expense to average assets4.1108%823
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.1456%1,889
Return on assets (ROA)1.1456%2,104
Pretax return on assets1.1456%3,132
Return on Equity (ROE)12.6697%1,451
Retained earnings to average equity (ytd only)12.6697%482
Net charge-offs to loans3.3676%162
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)0.4118%4,871
Efficiency ratio78.2051%2,431
Assets per employee ($millions)3.7620%4,401
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.3870%1,437
Loan loss allowance to noncurrent loans49.2888%5,151
Noncurrent assets plus other real estate owned to assets4.0887%1,232
Noncurrent loans to loans4.8429%1,052
Net loans and leases to total assets78.7589%642
Net loans and leases to deposits88.6785%1,297
Net loans and leases to core deposits98.1509%1,261
Total domestic deposits to total assets88.8140%1,629
Equity capital to assets9.4075%5,186
Core capital (leverage) ratio9.2634%4,510
Tier 1 risk-based capital ratio13.4041%4,900
Total risk-based capital ratio14.6721%4,844
Memoranda:
Average total assets$41,548,6706,571
Average earning assets$38,252,6706,544
Average equity$3,757,0006,741
Average total loans$34,327,3305,857
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5198%155
Cost of funding earning assets1.1075%1,368
Net interest margin5.4123%211
Noninterest income to average assets0.2786%5,639
Noninterest expense to average assets4.6599%476
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.5957%4,361
Return on assets (ROA)0.5957%4,578
Pretax return on assets0.5957%5,134
Return on Equity (ROE)6.7227%3,934
Retained earnings to average equity (ytd only)6.7227%2,568
Net charge-offs to loans0.2874%2,522
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)2.4800%3,178
Efficiency ratio88.6654%1,211
Assets per employee ($millions)3.7703%4,495
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.8838%407
Loan loss allowance to noncurrent loans73.0915%3,917
Noncurrent assets plus other real estate owned to assets4.6343%1,148
Noncurrent loans to loans5.3136%1,025
Net loans and leases to total assets80.5584%358
Net loans and leases to deposits90.4685%925
Net loans and leases to core deposits100.0839%981
Total domestic deposits to total assets89.0459%1,668
Equity capital to assets8.9697%5,541
Core capital (leverage) ratio8.6905%5,308
Tier 1 risk-based capital ratio12.5435%5,570
Total risk-based capital ratio13.8333%5,501
Memoranda:
Average total assets$41,632,0006,618
Average earning assets$38,283,5006,588
Average equity$3,689,0006,802
Average total loans$34,796,5005,880
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4357%197
Cost of funding earning assets1.2196%1,898
Net interest margin5.2161%275
Noninterest income to average assets0.3059%5,352
Noninterest expense to average assets4.0441%970
Loan and lease loss provision to assets3.2923%100
Net operating income to assets-2.1972%7,057
Return on assets (ROA)-2.1972%7,074
Pretax return on assets-2.1972%7,065
Return on Equity (ROE)-20.7342%6,992
Retained earnings to average equity (ytd only)-20.7342%6,977
Net charge-offs to loans1.4289%1,140
Credit loss provision to net charge-offs271.1538%883
Earnings coverage of net charge-offs (x)0.9019%5,133
Efficiency ratio78.6915%2,498
Assets per employee ($millions)3.7992%4,314
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.9474%397
Loan loss allowance to noncurrent loans78.1694%3,724
Noncurrent assets plus other real estate owned to assets4.7594%1,144
Noncurrent loans to loans5.0498%1,113
Net loans and leases to total assets80.0603%489
Net loans and leases to deposits89.8974%1,167
Net loans and leases to core deposits98.9911%1,261
Total domestic deposits to total assets89.0575%1,501
Equity capital to assets8.7531%5,848
Core capital (leverage) ratio8.7131%5,230
Tier 1 risk-based capital ratio12.1612%5,716
Total risk-based capital ratio13.4466%5,663
Memoranda:
Average total assets$42,827,4006,569
Average earning assets$39,684,6006,543
Average equity$4,538,4006,580
Average total loans$36,391,2005,854
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7508%142
Cost of funding earning assets1.2423%2,047
Net interest margin5.5086%172
Noninterest income to average assets0.3094%5,386
Noninterest expense to average assets3.8464%1,241
Loan and lease loss provision to assets0.5725%1,714
Net operating income to assets1.0088%2,286
Return on assets (ROA)1.0088%2,440
Pretax return on assets1.0088%3,368
Return on Equity (ROE)9.1344%2,541
Retained earnings to average equity (ytd only)9.1344%1,096
Net charge-offs to loans0.4314%2,994
Credit loss provision to net charge-offs155.4622%2,000
Earnings coverage of net charge-offs (x)4.2942%3,115
Efficiency ratio70.8666%3,770
Assets per employee ($millions)3.6051%4,751
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.5128%4,035
Loan loss allowance to noncurrent loans29.9131%6,254
Noncurrent assets plus other real estate owned to assets4.7895%1,221
Noncurrent loans to loans5.0574%1,220
Net loans and leases to total assets82.9176%298
Net loans and leases to deposits95.3458%738
Net loans and leases to core deposits106.6383%832
Total domestic deposits to total assets86.9652%2,679
Equity capital to assets11.3867%2,790
Core capital (leverage) ratio11.3903%2,108
Tier 1 risk-based capital ratio15.8994%3,167
Total risk-based capital ratio17.1570%3,120
Memoranda:
Average total assets$43,086,5006,624
Average earning assets$40,033,7506,586
Average equity$4,758,5006,573
Average total loans$36,780,7505,884
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7137%159
Cost of funding earning assets1.2538%2,230
Net interest margin5.4599%189
Noninterest income to average assets0.2835%5,612
Noninterest expense to average assets3.8161%1,328
Loan and lease loss provision to assets0.5810%1,665
Net operating income to assets0.9668%2,366
Return on assets (ROA)0.9668%2,469
Pretax return on assets0.9668%3,370
Return on Equity (ROE)8.8460%2,576
Retained earnings to average equity (ytd only)8.8460%1,155
Net charge-offs to loans0.4011%2,952
Credit loss provision to net charge-offs168.9189%1,788
Earnings coverage of net charge-offs (x)4.5000%2,846
Efficiency ratio71.1438%3,910
Assets per employee ($millions)3.6055%4,670
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4854%4,199
Loan loss allowance to noncurrent loans45.1939%5,304
Noncurrent assets plus other real estate owned to assets3.3329%1,988
Noncurrent loans to loans3.2867%2,171
Net loans and leases to total assets82.1638%357
Net loans and leases to deposits94.2319%859
Net loans and leases to core deposits104.5651%1,009
Total domestic deposits to total assets87.1932%2,627
Equity capital to assets11.1196%2,846
Core capital (leverage) ratio11.1181%2,163
Tier 1 risk-based capital ratio15.4207%3,284
Total risk-based capital ratio16.6763%3,223
Memoranda:
Average total assets$43,028,3306,678
Average earning assets$40,037,6706,638
Average equity$4,702,6706,625
Average total loans$36,900,3305,938
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7332%158
Cost of funding earning assets1.2668%2,383
Net interest margin5.4663%174
Noninterest income to average assets0.2610%5,796
Noninterest expense to average assets3.8593%1,235
Loan and lease loss provision to assets0.6059%1,418
Net operating income to assets0.9042%2,542
Return on assets (ROA)0.9042%2,605
Pretax return on assets0.9042%3,476
Return on Equity (ROE)8.3468%2,761
Retained earnings to average equity (ytd only)8.3468%1,605
Net charge-offs to loans0.2144%3,230
Credit loss provision to net charge-offs325.0000%1,005
Earnings coverage of net charge-offs (x)8.1000%1,860
Efficiency ratio71.8750%3,894
Assets per employee ($millions)3.5664%4,837
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4266%4,535
Loan loss allowance to noncurrent loans47.3214%5,151
Noncurrent assets plus other real estate owned to assets2.9792%2,317
Noncurrent loans to loans3.0148%2,496
Net loans and leases to total assets85.5667%150
Net loans and leases to deposits97.8987%577
Net loans and leases to core deposits108.6421%806
Total domestic deposits to total assets87.4033%2,709
Equity capital to assets10.9727%2,715
Core capital (leverage) ratio10.8847%2,273
Tier 1 risk-based capital ratio14.9697%3,442
Total risk-based capital ratio16.2241%3,403
Memoranda:
Average total assets$42,909,5006,732
Average earning assets$40,100,0006,685
Average equity$4,648,5006,668
Average total loans$37,308,0005,977
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8512%185
Cost of funding earning assets1.4667%2,840
Net interest margin5.3844%207
Noninterest income to average assets0.3175%5,520
Noninterest expense to average assets3.7178%1,663
Loan and lease loss provision to assets1.0854%1,475
Net operating income to assets0.5652%3,825
Return on assets (ROA)0.5652%3,982
Pretax return on assets0.5652%4,434
Return on Equity (ROE)5.8664%3,669
Retained earnings to average equity (ytd only)5.8664%1,901
Net charge-offs to loans1.3693%1,634
Credit loss provision to net charge-offs90.6015%5,107
Earnings coverage of net charge-offs (x)1.3778%4,730
Efficiency ratio69.2534%4,327
Assets per employee ($millions)3.5852%4,740
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2945%5,033
Loan loss allowance to noncurrent loans79.9012%3,538
Noncurrent assets plus other real estate owned to assets1.4504%4,154
Noncurrent loans to loans1.6201%4,073
Net loans and leases to total assets85.9583%184
Net loans and leases to deposits97.9889%719
Net loans and leases to core deposits108.5920%1,008
Total domestic deposits to total assets87.7226%2,407
Equity capital to assets10.6945%2,961
Core capital (leverage) ratio10.1682%2,903
Tier 1 risk-based capital ratio14.6975%3,426
Total risk-based capital ratio15.9516%3,389
Memoranda:
Average total assets$44,407,6006,718
Average earning assets$41,657,2006,653
Average equity$4,278,6006,894
Average total loans$38,852,6005,973
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8470%188
Cost of funding earning assets1.5148%2,882
Net interest margin5.3321%225
Noninterest income to average assets0.2979%5,755
Noninterest expense to average assets3.6197%1,744
Loan and lease loss provision to assets0.9742%1,537
Net operating income to assets0.7061%3,386
Return on assets (ROA)0.7061%3,537
Pretax return on assets0.7061%4,212
Return on Equity (ROE)7.5272%3,093
Retained earnings to average equity (ytd only)7.5272%1,587
Net charge-offs to loans1.6156%1,217
Credit loss provision to net charge-offs68.8421%5,452
Earnings coverage of net charge-offs (x)1.1874%4,878
Efficiency ratio68.2968%4,409
Assets per employee ($millions)3.8079%4,243
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0019%6,388
Loan loss allowance to noncurrent loans49.2994%5,006
Noncurrent assets plus other real estate owned to assets1.7551%3,812
Noncurrent loans to loans2.0322%3,640
Net loans and leases to total assets83.6875%350
Net loans and leases to deposits94.6864%1,129
Net loans and leases to core deposits103.4687%1,530
Total domestic deposits to total assets88.3838%1,739
Equity capital to assets10.0471%4,098
Core capital (leverage) ratio10.0624%3,192
Tier 1 risk-based capital ratio14.0723%3,779
Total risk-based capital ratio15.2617%3,796
Memoranda:
Average total assets$44,754,0006,787
Average earning assets$41,983,5006,726
Average equity$4,198,0007,009
Average total loans$39,199,2506,035
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0020%156
Cost of funding earning assets1.5523%2,946
Net interest margin5.4497%182
Noninterest income to average assets0.2925%5,810
Noninterest expense to average assets3.5238%1,970
Loan and lease loss provision to assets0.5400%2,622
Net operating income to assets1.3321%1,235
Return on assets (ROA)1.3321%1,313
Pretax return on assets1.3321%2,002
Return on Equity (ROE)14.5562%934
Retained earnings to average equity (ytd only)14.5562%275
Net charge-offs to loans1.1983%1,585
Credit loss provision to net charge-offs50.8475%5,397
Earnings coverage of net charge-offs (x)1.7627%4,199
Efficiency ratio65.3044%5,101
Assets per employee ($millions)3.4495%5,043
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.0678%6,092
Loan loss allowance to noncurrent loans87.8407%3,090
Noncurrent assets plus other real estate owned to assets1.1016%4,930
Noncurrent loans to loans1.2157%4,936
Net loans and leases to total assets86.5645%192
Net loans and leases to deposits97.8474%889
Net loans and leases to core deposits106.3243%1,409
Total domestic deposits to total assets88.4689%1,748
Equity capital to assets10.1262%3,860
Core capital (leverage) ratio10.3221%2,804
Tier 1 risk-based capital ratio13.9579%3,761
Total risk-based capital ratio15.2067%3,724
Memoranda:
Average total assets$44,440,3306,849
Average earning assets$41,616,6706,790
Average equity$4,067,0007,101
Average total loans$39,389,6706,070
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0835%155
Cost of funding earning assets1.6064%2,926
Net interest margin5.4771%182
Noninterest income to average assets0.3346%5,466
Noninterest expense to average assets3.4630%2,074
Loan and lease loss provision to assets0.5425%2,331
Net operating income to assets1.4467%989
Return on assets (ROA)1.4467%1,062
Pretax return on assets1.4467%1,646
Return on Equity (ROE)16.7102%633
Retained earnings to average equity (ytd only)16.7102%296
Net charge-offs to loans0.7804%1,959
Credit loss provision to net charge-offs77.9221%3,930
Earnings coverage of net charge-offs (x)2.8571%3,120
Efficiency ratio63.5158%5,585
Assets per employee ($millions)3.3419%5,448
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3203%4,822
Loan loss allowance to noncurrent loans96.1039%2,886
Noncurrent assets plus other real estate owned to assets1.2798%4,613
Noncurrent loans to loans1.3738%4,677
Net loans and leases to total assets89.1150%92
Net loans and leases to deposits100.1164%745
Net loans and leases to core deposits109.7548%1,288
Total domestic deposits to total assets89.0114%1,510
Equity capital to assets9.4533%4,609
Core capital (leverage) ratio9.2558%4,128
Tier 1 risk-based capital ratio12.7996%4,478
Total risk-based capital ratio14.0539%4,446
Memoranda:
Average total assets$44,238,5006,942
Average earning assets$41,335,5006,884
Average equity$3,830,0007,243
Average total loans$39,465,5006,148
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1371%229
Cost of funding earning assets2.2516%1,834
Net interest margin4.8855%579
Noninterest income to average assets0.3288%5,729
Noninterest expense to average assets4.0125%1,346
Loan and lease loss provision to assets1.2442%1,854
Net operating income to assets-0.2999%5,971
Return on assets (ROA)-0.2999%5,970
Pretax return on assets-0.2999%5,829
Return on Equity (ROE)-4.2841%6,142
Retained earnings to average equity (ytd only)-6.5055%6,197
Net charge-offs to loans0.8181%2,786
Credit loss provision to net charge-offs173.9130%2,428
Earnings coverage of net charge-offs (x)1.3199%4,809
Efficiency ratio80.9502%2,756
Assets per employee ($millions)3.4640%5,092
Cash dividends to net income (ytd only)*-51.8519%7,827
Condition Ratios (%)
Loss allowance to loans1.3477%4,495
Loan loss allowance to noncurrent loans122.7064%2,302
Noncurrent assets plus other real estate owned to assets1.0060%5,099
Noncurrent loans to loans1.0983%5,126
Net loans and leases to total assets86.9648%224
Net loans and leases to deposits98.1209%1,089
Net loans and leases to core deposits142.9009%713
Total domestic deposits to total assets88.6303%1,664
Equity capital to assets7.8899%6,685
Core capital (leverage) ratio7.6437%6,626
Tier 1 risk-based capital ratio10.8536%6,061
Total risk-based capital ratio12.1073%6,028
Memoranda:
Average total assets$45,009,2006,914
Average earning assets$42,636,4006,833
Average equity$3,151,2007,546
Average total loans$39,357,2006,145
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0642%277
Cost of funding earning assets2.3693%1,746
Net interest margin4.6949%834
Noninterest income to average assets0.3259%5,879
Noninterest expense to average assets4.0203%1,248
Loan and lease loss provision to assets1.5702%1,208
Net operating income to assets-0.7970%6,690
Return on assets (ROA)-0.7970%6,692
Pretax return on assets-0.7970%6,541
Return on Equity (ROE)-11.7565%7,008
Retained earnings to average equity (ytd only)-14.8157%7,122
Net charge-offs to loans0.9574%2,063
Credit loss provision to net charge-offs187.9433%2,418
Earnings coverage of net charge-offs (x)0.9255%5,131
Efficiency ratio83.8690%2,316
Assets per employee ($millions)3.5714%4,758
Cash dividends to net income (ytd only)*-26.0219%7,865
Condition Ratios (%)
Loss allowance to loans1.3394%4,263
Loan loss allowance to noncurrent loans72.9585%3,688
Noncurrent assets plus other real estate owned to assets1.6089%3,935
Noncurrent loans to loans1.8359%3,861
Net loans and leases to total assets86.4651%314
Net loans and leases to deposits94.1309%1,864
Net loans and leases to core deposits143.0190%797
Total domestic deposits to total assets91.8562%196
Equity capital to assets6.6232%7,731
Core capital (leverage) ratio6.5584%7,646
Tier 1 risk-based capital ratio9.1895%7,543
Total risk-based capital ratio10.4457%7,538
Memoranda:
Average total assets$45,003,5006,963
Average earning assets$42,825,2506,875
Average equity$3,050,7507,646
Average total loans$39,272,2506,189
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0944%269
Cost of funding earning assets2.4293%1,850
Net interest margin4.6651%848
Noninterest income to average assets0.3458%5,737
Noninterest expense to average assets3.8178%1,623
Loan and lease loss provision to assets0.6288%2,546
Net operating income to assets0.3414%4,718
Return on assets (ROA)0.3414%4,830
Pretax return on assets0.3414%5,094
Return on Equity (ROE)4.9956%4,077
Retained earnings to average equity (ytd only)0.3944%5,059
Net charge-offs to loans0.3814%3,294
Credit loss provision to net charge-offs189.1892%2,412
Earnings coverage of net charge-offs (x)2.9189%3,644
Efficiency ratio79.7373%3,090
Assets per employee ($millions)3.2694%5,400
Cash dividends to net income (ytd only)*92.1053%850
Condition Ratios (%)
Loss allowance to loans0.8999%6,768
Loan loss allowance to noncurrent loans47.7632%5,172
Noncurrent assets plus other real estate owned to assets1.6604%3,705
Noncurrent loans to loans1.8841%3,688
Net loans and leases to total assets87.3329%282
Net loans and leases to deposits95.0382%1,946
Net loans and leases to core deposits142.9941%889
Total domestic deposits to total assets91.8924%229
Equity capital to assets6.6569%7,766
Core capital (leverage) ratio6.6631%7,718
Tier 1 risk-based capital ratio9.0534%7,674
Total risk-based capital ratio10.1384%7,788
Memoranda:
Average total assets$44,528,6707,036
Average earning assets$42,399,6706,954
Average equity$3,042,6707,715
Average total loans$38,800,0006,256
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0131%325
Cost of funding earning assets2.4965%1,930
Net interest margin4.5166%1,094
Noninterest income to average assets0.3097%5,968
Noninterest expense to average assets4.0996%1,064
Loan and lease loss provision to assets0.3189%3,423
Net operating income to assets0.2095%5,634
Return on assets (ROA)0.2095%5,796
Pretax return on assets0.2095%5,914
Return on Equity (ROE)3.0258%5,361
Retained earnings to average equity (ytd only)-0.2631%5,707
Net charge-offs to loans0.6626%1,857
Credit loss provision to net charge-offs55.5556%4,591
Earnings coverage of net charge-offs (x)0.9206%4,307
Efficiency ratio88.5827%1,839
Assets per employee ($millions)3.4283%4,998
Cash dividends to net income (ytd only)*108.6957%674
Condition Ratios (%)
Loss allowance to loans0.6966%7,446
Loan loss allowance to noncurrent loans46.5398%5,409
Noncurrent assets plus other real estate owned to assets1.2969%4,087
Noncurrent loans to loans1.4968%4,046
Net loans and leases to total assets86.0393%443
Net loans and leases to deposits93.8817%2,290
Net loans and leases to core deposits143.4300%955
Total domestic deposits to total assets91.6465%242
Equity capital to assets6.8076%7,763
Core capital (leverage) ratio6.5713%7,849
Tier 1 risk-based capital ratio9.2904%7,597
Total risk-based capital ratio10.1182%7,901
Memoranda:
Average total assets$43,907,0007,107
Average earning assets$41,978,5007,020
Average equity$3,040,5007,768
Average total loans$38,031,5006,332
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2818%616
Cost of funding earning assets2.5788%3,804
Net interest margin4.7030%965
Noninterest income to average assets0.3661%5,778
Noninterest expense to average assets4.1258%1,236
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.6376%4,158
Return on assets (ROA)0.6471%3,969
Pretax return on assets0.6471%4,557
Return on Equity (ROE)9.2058%2,566
Retained earnings to average equity (ytd only)2.8222%3,421
Net charge-offs to loans0.0760%5,670
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)10.3846%2,520
Efficiency ratio86.6138%1,797
Assets per employee ($millions)3.3266%5,149
Cash dividends to net income (ytd only)*69.3431%2,200
Condition Ratios (%)
Loss allowance to loans0.7931%7,137
Loan loss allowance to noncurrent loans37.9310%6,184
Noncurrent assets plus other real estate owned to assets1.8106%2,717
Noncurrent loans to loans2.0909%2,645
Net loans and leases to total assets85.9062%618
Net loans and leases to deposits94.0937%2,746
Net loans and leases to core deposits142.1449%1,157
Total domestic deposits to total assets91.2986%248
Equity capital to assets7.0457%7,713
Core capital (leverage) ratio7.1071%7,609
Tier 1 risk-based capital ratio9.5232%7,280
Total risk-based capital ratio10.4591%7,556
Memoranda:
Average total assets$42,343,6007,112
Average earning assets$39,592,0007,060
Average equity$2,976,4007,843
Average total loans$34,211,0006,476