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Associated Bank, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7461%4,071
Cost of funding earning assets0.1987%2,928
Net interest margin2.5474%4,003
Noninterest income to average assets0.8517%938
Noninterest expense to average assets1.9804%3,485
Loan and lease loss provision to assets-0.0224%4,440
Net operating income to assets0.9287%2,450
Return on assets (ROA)0.9278%2,432
Pretax return on assets1.1743%2,155
Return on Equity (ROE)8.4628%2,877
Retained earnings to average equity (ytd only)6.9305%2,012
Net charge-offs to loans-0.0139%3,731
Credit loss provision to net charge-offs56.9476%1,464
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4154%2,993
Assets per employee ($millions)8.9588%899
Cash dividends to net income (ytd only)*18.1063%2,538
Condition Ratios (%)
Loss allowance to loans1.0562%3,341
Loan loss allowance to noncurrent loans245.7084%2,399
Noncurrent assets plus other real estate owned to assets0.3554%1,573
Noncurrent loans to loans0.4299%1,834
Net loans and leases to total assets70.7256%1,230
Net loans and leases to deposits91.8993%612
Net loans and leases to core deposits93.6824%930
Total domestic deposits to total assets76.9599%4,416
Equity capital to assets10.5368%1,410
Core capital (leverage) ratio8.7406%3,716
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2668%2,973
Memoranda:
Average total assets$35,717,366,33368
Average earning assets$31,991,667,66768
Average equity$3,915,700,33362
Average total loans$25,189,063,00056
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5859%4,147
Cost of funding earning assets0.1605%3,361
Net interest margin2.4254%4,026
Noninterest income to average assets0.8697%891
Noninterest expense to average assets1.9794%3,483
Loan and lease loss provision to assets-0.0456%4,507
Net operating income to assets0.8785%2,369
Return on assets (ROA)0.8780%2,372
Pretax return on assets1.1045%2,130
Return on Equity (ROE)7.8462%2,742
Retained earnings to average equity (ytd only)4.7806%2,674
Net charge-offs to loans-0.0334%4,126
Credit loss provision to net charge-offs146.7710%870
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3046%2,989
Assets per employee ($millions)8.6041%1,061
Cash dividends to net income (ytd only)*39.0717%1,525
Condition Ratios (%)
Loss allowance to loans1.1333%3,180
Loan loss allowance to noncurrent loans186.9704%2,696
Noncurrent assets plus other real estate owned to assets0.4797%1,265
Noncurrent loans to loans0.6061%1,545
Net loans and leases to total assets69.7415%1,043
Net loans and leases to deposits85.6159%769
Net loans and leases to core deposits88.6458%988
Total domestic deposits to total assets81.4586%4,152
Equity capital to assets11.1017%1,288
Core capital (leverage) ratio8.6384%3,726
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7883%2,937
Memoranda:
Average total assets$34,982,140,50069
Average earning assets$31,287,877,00070
Average equity$3,914,355,00063
Average total loans$24,492,547,50057
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6174%4,391
Cost of funding earning assets0.2120%3,346
Net interest margin2.4055%4,318
Noninterest income to average assets0.9751%1,052
Noninterest expense to average assets2.0571%3,511
Loan and lease loss provision to assets-0.2567%4,751
Net operating income to assets1.0531%2,474
Return on assets (ROA)1.0534%2,546
Pretax return on assets1.3142%2,317
Return on Equity (ROE)9.0441%2,896
Retained earnings to average equity (ytd only)-0.7212%4,569
Net charge-offs to loans0.0978%864
Credit loss provision to net charge-offs-337.7380%3,647
Earnings coverage of net charge-offs (x)15.3052%2,004
Efficiency ratio65.2238%2,368
Assets per employee ($millions)8.7908%986
Cash dividends to net income (ytd only)*107.9740%149
Condition Ratios (%)
Loss allowance to loans1.1494%3,129
Loan loss allowance to noncurrent loans205.6771%2,544
Noncurrent assets plus other real estate owned to assets0.4728%1,398
Noncurrent loans to loans0.5588%1,727
Net loans and leases to total assets68.6914%1,188
Net loans and leases to deposits84.4844%883
Net loans and leases to core deposits87.5022%1,109
Total domestic deposits to total assets81.3067%4,066
Equity capital to assets11.2770%1,620
Core capital (leverage) ratio8.6121%3,814
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9270%2,906
Memoranda:
Average total assets$34,290,087,40069
Average earning assets$30,494,920,60070
Average equity$3,993,744,60065
Average total loans$24,229,181,20056
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6260%4,483
Cost of funding earning assets0.2276%3,350
Net interest margin2.3984%4,398
Noninterest income to average assets0.9847%1,096
Noninterest expense to average assets2.0471%3,532
Loan and lease loss provision to assets-0.3207%4,832
Net operating income to assets1.1020%2,549
Return on assets (ROA)1.1022%2,603
Pretax return on assets1.3886%2,383
Return on Equity (ROE)9.3865%2,971
Retained earnings to average equity (ytd only)0.5618%4,486
Net charge-offs to loans0.0948%765
Credit loss provision to net charge-offs-438.8259%3,607
Earnings coverage of net charge-offs (x)15.8711%1,854
Efficiency ratio64.8871%2,260
Assets per employee ($millions)8.5848%1,021
Cash dividends to net income (ytd only)*94.0150%238
Condition Ratios (%)
Loss allowance to loans1.2237%2,874
Loan loss allowance to noncurrent loans208.0259%2,481
Noncurrent assets plus other real estate owned to assets0.5052%1,515
Noncurrent loans to loans0.5882%1,836
Net loans and leases to total assets68.2999%1,286
Net loans and leases to deposits84.2474%946
Net loans and leases to core deposits87.8929%1,157
Total domestic deposits to total assets81.0706%4,084
Equity capital to assets11.6271%1,591
Core capital (leverage) ratio8.8190%3,737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5677%2,839
Memoranda:
Average total assets$34,098,207,00067
Average earning assets$30,283,977,50071
Average equity$4,003,815,50066
Average total loans$24,196,079,75057
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6262%4,524
Cost of funding earning assets0.2452%3,323
Net interest margin2.3810%4,440
Noninterest income to average assets1.0012%1,069
Noninterest expense to average assets2.0453%3,561
Loan and lease loss provision to assets-0.3412%4,856
Net operating income to assets1.1208%2,463
Return on assets (ROA)1.1209%2,536
Pretax return on assets1.4100%2,300
Return on Equity (ROE)9.5145%2,942
Retained earnings to average equity (ytd only)0.7766%4,382
Net charge-offs to loans0.0772%888
Credit loss provision to net charge-offs-590.9914%3,517
Earnings coverage of net charge-offs (x)19.3461%1,545
Efficiency ratio64.8432%2,320
Assets per employee ($millions)8.5108%1,005
Cash dividends to net income (ytd only)*91.8380%351
Condition Ratios (%)
Loss allowance to loans1.3224%2,325
Loan loss allowance to noncurrent loans208.2303%2,402
Noncurrent assets plus other real estate owned to assets0.5193%1,602
Noncurrent loans to loans0.6351%1,822
Net loans and leases to total assets69.7575%1,231
Net loans and leases to deposits87.1433%838
Net loans and leases to core deposits90.8286%1,080
Total domestic deposits to total assets80.0492%4,231
Equity capital to assets11.7616%1,483
Core capital (leverage) ratio8.9339%3,536
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6912%2,814
Memoranda:
Average total assets$34,000,676,00067
Average earning assets$30,170,964,33370
Average equity$4,005,541,66764
Average total loans$24,334,814,66757
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6155%4,562
Cost of funding earning assets0.2537%3,439
Net interest margin2.3618%4,458
Noninterest income to average assets1.1344%939
Noninterest expense to average assets2.0549%3,550
Loan and lease loss provision to assets-0.2710%4,849
Net operating income to assets1.1432%2,351
Return on assets (ROA)1.1431%2,416
Pretax return on assets1.4455%2,150
Return on Equity (ROE)9.6950%2,791
Retained earnings to average equity (ytd only)1.2010%4,181
Net charge-offs to loans0.0779%812
Credit loss provision to net charge-offs-545.7599%3,201
Earnings coverage of net charge-offs (x)20.9261%1,238
Efficiency ratio62.8132%2,634
Assets per employee ($millions)8.6144%944
Cash dividends to net income (ytd only)*87.6126%520
Condition Ratios (%)
Loss allowance to loans1.4515%1,767
Loan loss allowance to noncurrent loans207.0200%2,315
Noncurrent assets plus other real estate owned to assets0.5650%1,676
Noncurrent loans to loans0.7011%1,835
Net loans and leases to total assets69.4033%1,366
Net loans and leases to deposits86.2563%946
Net loans and leases to core deposits90.4989%1,199
Total domestic deposits to total assets80.4617%4,147
Equity capital to assets11.5865%1,488
Core capital (leverage) ratio9.1385%3,464
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9060%2,702
Memoranda:
Average total assets$33,949,608,50067
Average earning assets$30,115,934,50071
Average equity$4,002,801,50065
Average total loans$24,448,180,50059
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0470%4,603
Cost of funding earning assets0.4746%3,117
Net interest margin2.5724%4,526
Noninterest income to average assets1.4628%565
Noninterest expense to average assets2.2661%3,498
Loan and lease loss provision to assets0.4921%514
Net operating income to assets0.9117%2,641
Return on assets (ROA)0.9370%2,682
Pretax return on assets1.0026%3,041
Return on Equity (ROE)8.0638%2,792
Retained earnings to average equity (ytd only)1.5572%4,012
Net charge-offs to loans0.4108%414
Credit loss provision to net charge-offs165.9535%2,341
Earnings coverage of net charge-offs (x)4.9491%2,920
Efficiency ratio59.8897%3,473
Assets per employee ($millions)8.2118%967
Cash dividends to net income (ytd only)*80.6889%619
Condition Ratios (%)
Loss allowance to loans1.5610%1,396
Loan loss allowance to noncurrent loans176.1871%2,563
Noncurrent assets plus other real estate owned to assets0.6953%1,498
Noncurrent loans to loans0.8860%1,593
Net loans and leases to total assets72.5059%1,226
Net loans and leases to deposits91.1832%842
Net loans and leases to core deposits96.7992%1,075
Total domestic deposits to total assets79.5168%4,133
Equity capital to assets12.0014%1,567
Core capital (leverage) ratio9.1111%3,539
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7449%2,713
Memoranda:
Average total assets$33,935,784,20062
Average earning assets$29,958,171,20062
Average equity$3,943,320,00065
Average total loans$24,494,345,40054
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1077%4,662
Cost of funding earning assets0.5339%3,029
Net interest margin2.5738%4,594
Noninterest income to average assets1.6183%455
Noninterest expense to average assets2.3858%3,179
Loan and lease loss provision to assets0.5498%494
Net operating income to assets0.9380%2,572
Return on assets (ROA)0.9733%2,571
Pretax return on assets0.9910%3,103
Return on Equity (ROE)8.4443%2,624
Retained earnings to average equity (ytd only)3.8091%3,134
Net charge-offs to loans0.3984%397
Credit loss provision to net charge-offs192.1459%2,140
Earnings coverage of net charge-offs (x)5.2592%2,750
Efficiency ratio60.5256%3,302
Assets per employee ($millions)7.9186%1,033
Cash dividends to net income (ytd only)*54.8912%1,292
Condition Ratios (%)
Loss allowance to loans1.5295%1,304
Loan loss allowance to noncurrent loans164.7980%2,528
Noncurrent assets plus other real estate owned to assets0.7311%1,602
Noncurrent loans to loans0.9281%1,610
Net loans and leases to total assets71.4783%1,750
Net loans and leases to deposits92.5837%1,027
Net loans and leases to core deposits99.4797%1,197
Total domestic deposits to total assets77.2040%4,296
Equity capital to assets11.6801%1,890
Core capital (leverage) ratio9.0322%3,725
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8482%2,670
Memoranda:
Average total assets$34,076,556,00061
Average earning assets$30,081,935,50062
Average equity$3,927,850,50064
Average total loans$24,472,711,25054
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2686%4,674
Cost of funding earning assets0.6135%2,902
Net interest margin2.6551%4,606
Noninterest income to average assets2.0214%286
Noninterest expense to average assets2.3330%3,441
Loan and lease loss provision to assets0.5312%647
Net operating income to assets1.1446%1,825
Return on assets (ROA)1.1876%1,809
Pretax return on assets1.5517%1,341
Return on Equity (ROE)10.3498%1,867
Retained earnings to average equity (ytd only)6.4152%1,896
Net charge-offs to loans0.3591%444
Credit loss provision to net charge-offs206.7540%1,883
Earnings coverage of net charge-offs (x)7.8954%2,332
Efficiency ratio52.7202%4,303
Assets per employee ($millions)7.3813%1,228
Cash dividends to net income (ytd only)*38.0162%2,022
Condition Ratios (%)
Loss allowance to loans1.4533%1,397
Loan loss allowance to noncurrent loans205.9585%2,101
Noncurrent assets plus other real estate owned to assets0.5580%2,135
Noncurrent loans to loans0.7056%2,115
Net loans and leases to total assets69.5840%2,094
Net loans and leases to deposits92.7747%1,072
Net loans and leases to core deposits100.5978%1,217
Total domestic deposits to total assets75.0032%4,518
Equity capital to assets11.4349%2,018
Core capital (leverage) ratio9.1779%3,714
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0039%2,610
Memoranda:
Average total assets$33,884,800,00061
Average earning assets$29,865,271,33362
Average equity$3,888,006,00064
Average total loans$24,245,864,33356
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6229%4,496
Cost of funding earning assets0.8084%2,333
Net interest margin2.8145%4,555
Noninterest income to average assets1.1116%698
Noninterest expense to average assets2.4847%3,322
Loan and lease loss provision to assets0.4532%666
Net operating income to assets0.5238%3,829
Return on assets (ROA)0.5834%3,709
Pretax return on assets0.7186%3,628
Return on Equity (ROE)5.0753%3,602
Retained earnings to average equity (ytd only)-2.2834%4,281
Net charge-offs to loans0.2858%515
Credit loss provision to net charge-offs220.0704%1,364
Earnings coverage of net charge-offs (x)5.3333%2,067
Efficiency ratio68.3996%2,604
Assets per employee ($millions)7.2674%974
Cash dividends to net income (ytd only)*144.9906%479
Condition Ratios (%)
Loss allowance to loans1.3658%1,829
Loan loss allowance to noncurrent loans232.8419%1,850
Noncurrent assets plus other real estate owned to assets0.5127%2,456
Noncurrent loans to loans0.5866%2,538
Net loans and leases to total assets72.0463%1,910
Net loans and leases to deposits94.9074%1,006
Net loans and leases to core deposits105.3746%1,095
Total domestic deposits to total assets75.9122%4,495
Equity capital to assets11.4961%2,439
Core capital (leverage) ratio8.6492%4,703
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7920%3,156
Memoranda:
Average total assets$33,101,078,00063
Average earning assets$29,064,435,50064
Average equity$3,805,037,50065
Average total loans$23,852,341,50056
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0080%4,242
Cost of funding earning assets1.1422%1,184
Net interest margin2.8658%4,690
Noninterest income to average assets1.1412%719
Noninterest expense to average assets2.3831%3,727
Loan and lease loss provision to assets0.0559%2,909
Net operating income to assets1.0184%2,780
Return on assets (ROA)1.0333%2,812
Pretax return on assets1.2551%2,649
Return on Equity (ROE)9.3196%2,597
Retained earnings to average equity (ytd only)0.5941%4,517
Net charge-offs to loans0.2387%857
Credit loss provision to net charge-offs33.5437%3,249
Earnings coverage of net charge-offs (x)7.7539%2,848
Efficiency ratio64.0108%3,073
Assets per employee ($millions)6.9272%1,069
Cash dividends to net income (ytd only)*93.6250%440
Condition Ratios (%)
Loss allowance to loans0.8766%4,061
Loan loss allowance to noncurrent loans156.5129%2,522
Noncurrent assets plus other real estate owned to assets0.4816%2,487
Noncurrent loans to loans0.5601%2,498
Net loans and leases to total assets70.4055%2,330
Net loans and leases to deposits95.5846%985
Net loans and leases to core deposits105.3439%1,149
Total domestic deposits to total assets73.6578%4,786
Equity capital to assets11.4942%2,534
Core capital (leverage) ratio8.6348%4,764
Tier 1 risk-based capital ratio11.0263%4,850
Total risk-based capital ratio11.9486%4,874
Memoranda:
Average total assets$33,076,102,60058
Average earning assets$29,256,430,60060
Average equity$3,667,425,00067
Average total loans$23,106,372,40055
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0895%4,178
Cost of funding earning assets1.2062%1,024
Net interest margin2.8833%4,775
Noninterest income to average assets1.1388%705
Noninterest expense to average assets2.3527%3,817
Loan and lease loss provision to assets0.0702%2,475
Net operating income to assets1.0345%2,845
Return on assets (ROA)1.0540%2,856
Pretax return on assets1.2937%2,691
Return on Equity (ROE)9.5917%2,624
Retained earnings to average equity (ytd only)1.4202%4,455
Net charge-offs to loans0.2368%751
Credit loss provision to net charge-offs42.5811%2,840
Earnings coverage of net charge-offs (x)8.1320%2,686
Efficiency ratio62.9303%3,175
Assets per employee ($millions)6.8389%1,097
Cash dividends to net income (ytd only)*85.1938%533
Condition Ratios (%)
Loss allowance to loans0.9362%3,893
Loan loss allowance to noncurrent loans152.7951%2,570
Noncurrent assets plus other real estate owned to assets0.5098%2,486
Noncurrent loans to loans0.6127%2,445
Net loans and leases to total assets69.6998%2,516
Net loans and leases to deposits92.7714%1,342
Net loans and leases to core deposits103.9072%1,332
Total domestic deposits to total assets75.1307%4,735
Equity capital to assets11.4501%2,698
Core capital (leverage) ratio8.4170%4,979
Tier 1 risk-based capital ratio11.0788%4,874
Total risk-based capital ratio12.0585%4,888
Memoranda:
Average total assets$33,259,346,00058
Average earning assets$29,456,531,25059
Average equity$3,654,882,25065
Average total loans$23,139,785,50056
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1143%4,126
Cost of funding earning assets1.2255%929
Net interest margin2.8888%4,834
Noninterest income to average assets1.1136%688
Noninterest expense to average assets2.3039%3,993
Loan and lease loss provision to assets0.0985%1,897
Net operating income to assets1.0399%2,768
Return on assets (ROA)1.0505%2,790
Pretax return on assets1.2904%2,593
Return on Equity (ROE)9.6911%2,539
Retained earnings to average equity (ytd only)2.1995%4,053
Net charge-offs to loans0.1797%912
Credit loss provision to net charge-offs79.0836%2,228
Earnings coverage of net charge-offs (x)11.0436%2,227
Efficiency ratio61.8725%3,454
Assets per employee ($millions)7.0201%992
Cash dividends to net income (ytd only)*77.3039%894
Condition Ratios (%)
Loss allowance to loans0.9990%3,635
Loan loss allowance to noncurrent loans131.7175%2,854
Noncurrent assets plus other real estate owned to assets0.5891%2,250
Noncurrent loans to loans0.7584%2,084
Net loans and leases to total assets69.6944%2,570
Net loans and leases to deposits91.4834%1,561
Net loans and leases to core deposits105.2910%1,287
Total domestic deposits to total assets76.1826%4,646
Equity capital to assets11.1376%2,914
Core capital (leverage) ratio8.2975%5,060
Tier 1 risk-based capital ratio10.9493%4,935
Total risk-based capital ratio11.9971%4,933
Memoranda:
Average total assets$33,494,715,67058
Average earning assets$29,754,039,67057
Average equity$3,630,716,67065
Average total loans$23,218,393,67054
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0902%4,154
Cost of funding earning assets1.2047%892
Net interest margin2.8855%4,897
Noninterest income to average assets1.0757%692
Noninterest expense to average assets2.2941%4,036
Loan and lease loss provision to assets0.0535%2,593
Net operating income to assets1.0283%2,751
Return on assets (ROA)1.0444%2,722
Pretax return on assets1.3158%2,388
Return on Equity (ROE)9.7680%2,466
Retained earnings to average equity (ytd only)0.2012%4,484
Net charge-offs to loans0.1287%974
Credit loss provision to net charge-offs60.4676%1,909
Earnings coverage of net charge-offs (x)15.2380%1,749
Efficiency ratio62.2472%3,496
Assets per employee ($millions)7.2687%888
Cash dividends to net income (ytd only)*97.9398%651
Condition Ratios (%)
Loss allowance to loans1.0113%3,618
Loan loss allowance to noncurrent loans141.9374%2,766
Noncurrent assets plus other real estate owned to assets0.5286%2,518
Noncurrent loans to loans0.7125%2,244
Net loans and leases to total assets68.3729%2,703
Net loans and leases to deposits90.0425%1,622
Net loans and leases to core deposits107.8925%1,058
Total domestic deposits to total assets75.9340%4,768
Equity capital to assets10.7328%3,129
Core capital (leverage) ratio8.2416%5,125
Tier 1 risk-based capital ratio11.0349%4,959
Total risk-based capital ratio12.1198%4,939
Memoranda:
Average total assets$33,629,116,50058
Average earning assets$29,920,136,50058
Average equity$3,595,789,50066
Average total loans$23,132,455,50055
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8826%4,312
Cost of funding earning assets0.9041%1,071
Net interest margin2.9785%4,825
Noninterest income to average assets1.0846%791
Noninterest expense to average assets2.4322%3,795
Loan and lease loss provision to assets0.0075%3,971
Net operating income to assets1.0661%2,732
Return on assets (ROA)1.0611%2,740
Pretax return on assets1.2873%2,549
Return on Equity (ROE)9.9820%2,523
Retained earnings to average equity (ytd only)1.4253%4,565
Net charge-offs to loans0.1321%1,429
Credit loss provision to net charge-offs8.2318%3,436
Earnings coverage of net charge-offs (x)14.3166%2,387
Efficiency ratio64.4986%3,119
Assets per employee ($millions)7.2190%891
Cash dividends to net income (ytd only)*85.7215%536
Condition Ratios (%)
Loss allowance to loans1.0340%3,477
Loan loss allowance to noncurrent loans171.0120%2,493
Noncurrent assets plus other real estate owned to assets0.4498%2,766
Noncurrent loans to loans0.6046%2,465
Net loans and leases to total assets67.7938%2,905
Net loans and leases to deposits91.3024%1,627
Net loans and leases to core deposits105.6771%1,291
Total domestic deposits to total assets74.2520%4,932
Equity capital to assets10.6521%3,026
Core capital (leverage) ratio8.3074%5,114
Tier 1 risk-based capital ratio11.1255%4,906
Total risk-based capital ratio12.2284%4,878
Memoranda:
Average total assets$33,422,759,80057
Average earning assets$29,719,176,40056
Average equity$3,552,753,40065
Average total loans$22,983,313,40053
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8081%4,419
Cost of funding earning assets0.8409%1,147
Net interest margin2.9671%4,895
Noninterest income to average assets1.1100%765
Noninterest expense to average assets2.4828%3,645
Loan and lease loss provision to assets0.0020%3,923
Net operating income to assets1.0459%2,887
Return on assets (ROA)1.0391%2,934
Pretax return on assets1.2563%2,790
Return on Equity (ROE)9.7805%2,715
Retained earnings to average equity (ytd only)1.5086%4,724
Net charge-offs to loans0.1749%953
Credit loss provision to net charge-offs1.6588%3,083
Earnings coverage of net charge-offs (x)10.5177%2,581
Efficiency ratio65.5901%2,944
Assets per employee ($millions)7.1521%879
Cash dividends to net income (ytd only)*84.5754%482
Condition Ratios (%)
Loss allowance to loans1.0258%3,617
Loan loss allowance to noncurrent loans141.6545%2,869
Noncurrent assets plus other real estate owned to assets0.5937%2,403
Noncurrent loans to loans0.7241%2,271
Net loans and leases to total assets68.1626%2,905
Net loans and leases to deposits91.3500%1,712
Net loans and leases to core deposits105.9506%1,313
Total domestic deposits to total assets74.6169%4,925
Equity capital to assets10.6756%2,956
Core capital (leverage) ratio8.1711%5,264
Tier 1 risk-based capital ratio11.0966%4,990
Total risk-based capital ratio12.1948%4,966
Memoranda:
Average total assets$33,377,366,75057
Average earning assets$29,688,920,00056
Average equity$3,546,048,25065
Average total loans$22,974,218,50052
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9121%4,042
Cost of funding earning assets0.7931%1,153
Net interest margin3.1190%4,692
Noninterest income to average assets1.1790%686
Noninterest expense to average assets2.6339%3,210
Loan and lease loss provision to assets0.0284%3,345
Net operating income to assets1.0860%2,636
Return on assets (ROA)1.0752%2,696
Pretax return on assets1.2849%2,575
Return on Equity (ROE)10.3264%2,411
Retained earnings to average equity (ytd only)4.2630%3,476
Net charge-offs to loans0.1641%943
Credit loss provision to net charge-offs25.2951%2,656
Earnings coverage of net charge-offs (x)11.8078%2,243
Efficiency ratio65.9230%2,999
Assets per employee ($millions)6.9647%936
Cash dividends to net income (ytd only)*58.7178%1,368
Condition Ratios (%)
Loss allowance to loans1.0909%3,319
Loan loss allowance to noncurrent loans119.0465%3,150
Noncurrent assets plus other real estate owned to assets0.7316%2,044
Noncurrent loans to loans0.9164%1,889
Net loans and leases to total assets68.0414%2,863
Net loans and leases to deposits95.6347%1,180
Net loans and leases to core deposits110.0241%997
Total domestic deposits to total assets71.1473%5,228
Equity capital to assets10.7651%2,870
Core capital (leverage) ratio8.3077%5,210
Tier 1 risk-based capital ratio11.1662%4,962
Total risk-based capital ratio12.3281%4,908
Memoranda:
Average total assets$31,679,429,67058
Average earning assets$28,247,084,67060
Average equity$3,298,452,67066
Average total loans$21,680,212,33053
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5249%4,835
Cost of funding earning assets0.6992%1,452
Net interest margin2.8257%5,128
Noninterest income to average assets1.1589%685
Noninterest expense to average assets2.3830%3,993
Loan and lease loss provision to assets-0.0130%5,415
Net operating income to assets1.0437%2,676
Return on assets (ROA)1.0434%2,697
Pretax return on assets1.3153%2,304
Return on Equity (ROE)10.2104%2,329
Retained earnings to average equity (ytd only)10.2104%1,101
Net charge-offs to loans0.1773%826
Credit loss provision to net charge-offs-10.7643%3,560
Earnings coverage of net charge-offs (x)10.7687%1,887
Efficiency ratio64.4579%3,406
Assets per employee ($millions)6.9253%987
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2120%2,735
Loan loss allowance to noncurrent loans126.6270%3,034
Noncurrent assets plus other real estate owned to assets0.7135%2,184
Noncurrent loans to loans0.9572%1,914
Net loans and leases to total assets67.0724%2,883
Net loans and leases to deposits93.5083%1,279
Net loans and leases to core deposits109.0287%1,060
Total domestic deposits to total assets71.7288%5,299
Equity capital to assets10.2081%3,381
Core capital (leverage) ratio8.2026%5,314
Tier 1 risk-based capital ratio11.2022%5,024
Total risk-based capital ratio12.4527%4,926
Memoranda:
Average total assets$30,716,705,00062
Average earning assets$27,468,750,50061
Average equity$3,138,875,50073
Average total loans$20,961,599,50057
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3343%5,042
Cost of funding earning assets0.4960%2,370
Net interest margin2.8383%5,119
Noninterest income to average assets1.1270%800
Noninterest expense to average assets2.3723%4,149
Loan and lease loss provision to assets0.0916%2,366
Net operating income to assets0.8539%2,938
Return on assets (ROA)0.8550%2,957
Pretax return on assets1.2082%2,743
Return on Equity (ROE)8.2240%2,686
Retained earnings to average equity (ytd only)2.3517%3,915
Net charge-offs to loans0.1916%1,330
Credit loss provision to net charge-offs68.7339%3,104
Earnings coverage of net charge-offs (x)9.7402%2,755
Efficiency ratio64.4486%3,540
Assets per employee ($millions)6.9330%998
Cash dividends to net income (ytd only)*71.4046%1,200
Condition Ratios (%)
Loss allowance to loans1.2722%2,366
Loan loss allowance to noncurrent loans122.8126%3,169
Noncurrent assets plus other real estate owned to assets0.7755%2,010
Noncurrent loans to loans1.0359%1,717
Net loans and leases to total assets67.7221%2,863
Net loans and leases to deposits89.8584%1,789
Net loans and leases to core deposits106.6187%1,231
Total domestic deposits to total assets75.3653%5,048
Equity capital to assets10.2297%3,459
Core capital (leverage) ratio8.1291%5,390
Tier 1 risk-based capital ratio10.9842%5,159
Total risk-based capital ratio12.2357%5,032
Memoranda:
Average total assets$29,648,434,20061
Average earning assets$26,571,371,00061
Average equity$3,082,275,20067
Average total loans$20,630,658,20054
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3087%5,108
Cost of funding earning assets0.4621%2,599
Net interest margin2.8466%5,161
Noninterest income to average assets1.1267%794
Noninterest expense to average assets2.3657%4,103
Loan and lease loss provision to assets0.1230%1,762
Net operating income to assets0.8780%3,138
Return on assets (ROA)0.8792%3,182
Pretax return on assets1.1937%2,937
Return on Equity (ROE)8.4224%2,920
Retained earnings to average equity (ytd only)2.6119%4,323
Net charge-offs to loans0.1869%1,121
Credit loss provision to net charge-offs94.1856%2,399
Earnings coverage of net charge-offs (x)10.0725%2,635
Efficiency ratio64.0931%3,528
Assets per employee ($millions)6.8793%997
Cash dividends to net income (ytd only)*68.9886%1,004
Condition Ratios (%)
Loss allowance to loans1.3103%2,313
Loan loss allowance to noncurrent loans126.6767%3,119
Noncurrent assets plus other real estate owned to assets0.7787%2,190
Noncurrent loans to loans1.0344%1,869
Net loans and leases to total assets69.3332%2,657
Net loans and leases to deposits92.2764%1,533
Net loans and leases to core deposits110.0600%1,027
Total domestic deposits to total assets75.1364%5,116
Equity capital to assets10.3755%3,510
Core capital (leverage) ratio8.1633%5,443
Tier 1 risk-based capital ratio10.9676%5,262
Total risk-based capital ratio12.2197%5,152
Memoranda:
Average total assets$29,455,030,00060
Average earning assets$26,426,851,00061
Average equity$3,074,821,50065
Average total loans$20,571,340,50053
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2298%5,201
Cost of funding earning assets0.4046%3,024
Net interest margin2.8253%5,211
Noninterest income to average assets1.1113%811
Noninterest expense to average assets2.3812%4,108
Loan and lease loss provision to assets0.1439%1,418
Net operating income to assets0.8370%3,216
Return on assets (ROA)0.8388%3,256
Pretax return on assets1.1228%3,079
Return on Equity (ROE)8.0187%3,022
Retained earnings to average equity (ytd only)2.0099%4,453
Net charge-offs to loans0.1791%1,103
Credit loss provision to net charge-offs115.2983%1,832
Earnings coverage of net charge-offs (x)10.1285%2,366
Efficiency ratio65.1300%3,484
Assets per employee ($millions)6.8049%1,011
Cash dividends to net income (ytd only)*74.9344%979
Condition Ratios (%)
Loss allowance to loans1.3474%2,186
Loan loss allowance to noncurrent loans117.4116%3,274
Noncurrent assets plus other real estate owned to assets0.8557%2,067
Noncurrent loans to loans1.1476%1,704
Net loans and leases to total assets69.1759%2,640
Net loans and leases to deposits93.9654%1,265
Net loans and leases to core deposits113.9127%804
Total domestic deposits to total assets73.6185%5,325
Equity capital to assets10.3955%3,461
Core capital (leverage) ratio8.3058%5,348
Tier 1 risk-based capital ratio10.8932%5,312
Total risk-based capital ratio12.1456%5,220
Memoranda:
Average total assets$29,273,199,67060
Average earning assets$26,257,207,33060
Average equity$3,062,193,00063
Average total loans$20,402,959,33053
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1703%5,280
Cost of funding earning assets0.3483%3,551
Net interest margin2.8220%5,209
Noninterest income to average assets1.1003%819
Noninterest expense to average assets2.3629%4,221
Loan and lease loss provision to assets0.1380%1,377
Net operating income to assets0.8132%3,165
Return on assets (ROA)0.8132%3,221
Pretax return on assets1.1306%2,861
Return on Equity (ROE)7.7493%3,041
Retained earnings to average equity (ytd only)0.5347%4,798
Net charge-offs to loans0.1126%1,270
Credit loss provision to net charge-offs176.3412%1,101
Earnings coverage of net charge-offs (x)16.2106%1,648
Efficiency ratio64.8728%3,682
Assets per employee ($millions)6.6786%1,093
Cash dividends to net income (ytd only)*93.1004%780
Condition Ratios (%)
Loss allowance to loans1.3982%2,085
Loan loss allowance to noncurrent loans105.2227%3,531
Noncurrent assets plus other real estate owned to assets0.9748%1,878
Noncurrent loans to loans1.3288%1,523
Net loans and leases to total assets68.5099%2,604
Net loans and leases to deposits90.0807%1,525
Net loans and leases to core deposits108.3047%955
Total domestic deposits to total assets76.0539%5,225
Equity capital to assets10.5415%3,138
Core capital (leverage) ratio8.3717%5,328
Tier 1 risk-based capital ratio11.0336%5,288
Total risk-based capital ratio12.2864%5,195
Memoranda:
Average total assets$29,058,086,00059
Average earning assets$26,063,337,50060
Average equity$3,049,375,00063
Average total loans$20,190,313,00053
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0861%5,418
Cost of funding earning assets0.2475%4,591
Net interest margin2.8386%5,225
Noninterest income to average assets1.2031%786
Noninterest expense to average assets2.4555%4,143
Loan and lease loss provision to assets0.2426%872
Net operating income to assets0.7668%3,465
Return on assets (ROA)0.7894%3,459
Pretax return on assets1.0833%3,163
Return on Equity (ROE)7.3727%3,283
Retained earnings to average equity (ytd only)2.2669%4,237
Net charge-offs to loans0.3300%834
Credit loss provision to net charge-offs106.4608%2,449
Earnings coverage of net charge-offs (x)5.6814%3,301
Efficiency ratio65.2773%3,711
Assets per employee ($millions)6.5460%1,131
Cash dividends to net income (ytd only)*69.2524%1,348
Condition Ratios (%)
Loss allowance to loans1.3755%2,191
Loan loss allowance to noncurrent loans97.8468%3,674
Noncurrent assets plus other real estate owned to assets1.0376%1,823
Noncurrent loans to loans1.4058%1,447
Net loans and leases to total assets68.5280%2,699
Net loans and leases to deposits89.3909%1,750
Net loans and leases to core deposits110.0445%898
Total domestic deposits to total assets76.6610%5,158
Equity capital to assets10.4466%3,215
Core capital (leverage) ratio8.2415%5,483
Tier 1 risk-based capital ratio10.8133%5,428
Total risk-based capital ratio12.0657%5,327
Memoranda:
Average total assets$28,535,601,20059
Average earning assets$25,607,668,40059
Average equity$3,055,353,40060
Average total loans$19,710,681,00053
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0799%5,488
Cost of funding earning assets0.2422%4,676
Net interest margin2.8376%5,289
Noninterest income to average assets1.1960%806
Noninterest expense to average assets2.4682%4,079
Loan and lease loss provision to assets0.2399%801
Net operating income to assets0.7397%3,647
Return on assets (ROA)0.7603%3,692
Pretax return on assets1.0648%3,376
Return on Equity (ROE)7.0565%3,534
Retained earnings to average equity (ytd only)2.5249%4,405
Net charge-offs to loans0.3798%578
Credit loss provision to net charge-offs91.5762%2,507
Earnings coverage of net charge-offs (x)4.8696%3,209
Efficiency ratio65.7287%3,639
Assets per employee ($millions)6.5184%1,091
Cash dividends to net income (ytd only)*64.2181%1,254
Condition Ratios (%)
Loss allowance to loans1.3398%2,490
Loan loss allowance to noncurrent loans90.0657%3,832
Noncurrent assets plus other real estate owned to assets1.0775%1,903
Noncurrent loans to loans1.4876%1,446
Net loans and leases to total assets68.1512%2,781
Net loans and leases to deposits89.7451%1,791
Net loans and leases to core deposits109.1559%973
Total domestic deposits to total assets75.9387%5,240
Equity capital to assets10.6346%3,422
Core capital (leverage) ratio8.3946%5,432
Tier 1 risk-based capital ratio11.0712%5,341
Total risk-based capital ratio12.3233%5,235
Memoranda:
Average total assets$28,401,781,50060
Average earning assets$25,502,400,50059
Average equity$3,059,958,75061
Average total loans$19,588,468,00054
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0824%5,565
Cost of funding earning assets0.2352%4,801
Net interest margin2.8472%5,350
Noninterest income to average assets1.1314%875
Noninterest expense to average assets2.4850%4,069
Loan and lease loss provision to assets0.2207%944
Net operating income to assets0.6942%3,819
Return on assets (ROA)0.7254%3,827
Pretax return on assets1.0253%3,493
Return on Equity (ROE)6.7033%3,697
Retained earnings to average equity (ytd only)3.0310%3,988
Net charge-offs to loans0.3861%589
Credit loss provision to net charge-offs82.9356%2,336
Earnings coverage of net charge-offs (x)4.5165%2,979
Efficiency ratio67.1965%3,502
Assets per employee ($millions)6.5024%1,087
Cash dividends to net income (ytd only)*54.7838%1,748
Condition Ratios (%)
Loss allowance to loans1.3298%2,625
Loan loss allowance to noncurrent loans92.0784%3,876
Noncurrent assets plus other real estate owned to assets1.0500%2,024
Noncurrent loans to loans1.4443%1,535
Net loans and leases to total assets68.5103%2,706
Net loans and leases to deposits96.6310%1,013
Net loans and leases to core deposits115.4083%658
Total domestic deposits to total assets70.8989%5,733
Equity capital to assets10.6986%3,400
Core capital (leverage) ratio8.5339%5,336
Tier 1 risk-based capital ratio11.0780%5,379
Total risk-based capital ratio12.3299%5,295
Memoranda:
Average total assets$28,182,736,67060
Average earning assets$25,296,712,33058
Average equity$3,049,845,67062
Average total loans$19,426,976,33053
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1039%5,605
Cost of funding earning assets0.2293%4,908
Net interest margin2.8746%5,361
Noninterest income to average assets1.1062%892
Noninterest expense to average assets2.4645%4,182
Loan and lease loss provision to assets0.2881%564
Net operating income to assets0.6400%4,024
Return on assets (ROA)0.6707%3,994
Pretax return on assets0.9787%3,556
Return on Equity (ROE)6.1614%3,900
Retained earnings to average equity (ytd only)3.7825%3,605
Net charge-offs to loans0.3535%632
Credit loss provision to net charge-offs118.6878%1,451
Earnings coverage of net charge-offs (x)5.0353%2,369
Efficiency ratio66.6509%3,693
Assets per employee ($millions)6.4965%1,111
Cash dividends to net income (ytd only)*38.6100%2,127
Condition Ratios (%)
Loss allowance to loans1.4304%2,284
Loan loss allowance to noncurrent loans93.7722%3,765
Noncurrent assets plus other real estate owned to assets1.1100%1,989
Noncurrent loans to loans1.5254%1,535
Net loans and leases to total assets68.0279%2,645
Net loans and leases to deposits91.5376%1,400
Net loans and leases to core deposits110.5571%829
Total domestic deposits to total assets74.3170%5,588
Equity capital to assets10.9206%3,028
Core capital (leverage) ratio8.6875%5,190
Tier 1 risk-based capital ratio11.3560%5,305
Total risk-based capital ratio12.6090%5,210
Memoranda:
Average total assets$27,803,079,50060
Average earning assets$24,959,292,00058
Average equity$3,026,571,50063
Average total loans$19,092,698,00053
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1011%5,629
Cost of funding earning assets0.1584%5,630
Net interest margin2.9427%5,269
Noninterest income to average assets1.1209%938
Noninterest expense to average assets2.5164%4,177
Loan and lease loss provision to assets0.1413%1,679
Net operating income to assets0.7975%3,353
Return on assets (ROA)0.8194%3,332
Pretax return on assets1.1252%2,944
Return on Equity (ROE)7.3341%3,342
Retained earnings to average equity (ytd only)1.6544%4,782
Net charge-offs to loans0.1646%1,724
Credit loss provision to net charge-offs126.7649%2,050
Earnings coverage of net charge-offs (x)11.0927%2,620
Efficiency ratio66.7478%3,789
Assets per employee ($millions)6.3843%1,149
Cash dividends to net income (ytd only)*77.4422%947
Condition Ratios (%)
Loss allowance to loans1.4529%2,200
Loan loss allowance to noncurrent loans144.2818%2,898
Noncurrent assets plus other real estate owned to assets0.7407%2,835
Noncurrent loans to loans1.0070%2,327
Net loans and leases to total assets67.3287%2,817
Net loans and leases to deposits85.8692%2,150
Net loans and leases to core deposits101.5877%1,396
Total domestic deposits to total assets78.4085%5,080
Equity capital to assets10.8503%2,982
Core capital (leverage) ratio8.6407%5,288
Tier 1 risk-based capital ratio11.5047%5,251
Total risk-based capital ratio12.7579%5,153
Memoranda:
Average total assets$27,106,102,40059
Average earning assets$24,243,199,20058
Average equity$3,028,322,20058
Average total loans$18,356,605,20055
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0998%5,711
Cost of funding earning assets0.1555%5,742
Net interest margin2.9443%5,323
Noninterest income to average assets1.1322%937
Noninterest expense to average assets2.5186%4,136
Loan and lease loss provision to assets0.0925%2,320
Net operating income to assets0.8278%3,291
Return on assets (ROA)0.8421%3,293
Pretax return on assets1.1723%2,918
Return on Equity (ROE)7.4828%3,349
Retained earnings to average equity (ytd only)3.3569%4,082
Net charge-offs to loans0.1637%1,516
Credit loss provision to net charge-offs83.6252%2,555
Earnings coverage of net charge-offs (x)11.2557%2,509
Efficiency ratio66.5861%3,787
Assets per employee ($millions)6.3392%1,160
Cash dividends to net income (ytd only)*55.1388%1,651
Condition Ratios (%)
Loss allowance to loans1.4061%2,571
Loan loss allowance to noncurrent loans165.1225%2,624
Noncurrent assets plus other real estate owned to assets0.6303%3,375
Noncurrent loans to loans0.8516%2,843
Net loans and leases to total assets67.1778%2,830
Net loans and leases to deposits87.0032%2,028
Net loans and leases to core deposits103.8258%1,244
Total domestic deposits to total assets77.2130%5,314
Equity capital to assets11.2586%2,743
Core capital (leverage) ratio8.6751%5,378
Tier 1 risk-based capital ratio11.7224%5,253
Total risk-based capital ratio12.9749%5,170
Memoranda:
Average total assets$26,990,825,75059
Average earning assets$24,120,697,25058
Average equity$3,037,621,75055
Average total loans$18,237,185,25054
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0904%5,753
Cost of funding earning assets0.1527%5,824
Net interest margin2.9377%5,368
Noninterest income to average assets1.1637%889
Noninterest expense to average assets2.5489%4,073
Loan and lease loss provision to assets0.0722%2,666
Net operating income to assets0.8123%3,320
Return on assets (ROA)0.8187%3,395
Pretax return on assets1.1777%2,870
Return on Equity (ROE)7.2758%3,450
Retained earnings to average equity (ytd only)4.6306%3,091
Net charge-offs to loans0.1583%1,527
Credit loss provision to net charge-offs67.6713%2,490
Earnings coverage of net charge-offs (x)11.6313%2,275
Efficiency ratio66.9297%3,848
Assets per employee ($millions)6.1828%1,226
Cash dividends to net income (ytd only)*36.3564%2,569
Condition Ratios (%)
Loss allowance to loans1.4143%2,690
Loan loss allowance to noncurrent loans152.8867%2,766
Noncurrent assets plus other real estate owned to assets0.6810%3,358
Noncurrent loans to loans0.9251%2,821
Net loans and leases to total assets67.2540%2,758
Net loans and leases to deposits91.9858%1,381
Net loans and leases to core deposits109.3908%868
Total domestic deposits to total assets73.1135%5,858
Equity capital to assets11.3251%2,549
Core capital (leverage) ratio9.0259%4,925
Tier 1 risk-based capital ratio11.8595%5,241
Total risk-based capital ratio13.1123%5,140
Memoranda:
Average total assets$26,876,259,33058
Average earning assets$24,023,946,00058
Average equity$3,024,332,67055
Average total loans$18,108,043,33053
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1096%5,769
Cost of funding earning assets0.1491%5,930
Net interest margin2.9605%5,313
Noninterest income to average assets1.1293%879
Noninterest expense to average assets2.5386%4,145
Loan and lease loss provision to assets0.0672%2,598
Net operating income to assets0.7796%3,366
Return on assets (ROA)0.7796%3,498
Pretax return on assets1.1684%2,793
Return on Equity (ROE)6.9506%3,537
Retained earnings to average equity (ytd only)6.9506%2,034
Net charge-offs to loans0.1240%1,520
Credit loss provision to net charge-offs80.9498%1,816
Earnings coverage of net charge-offs (x)14.8876%1,653
Efficiency ratio66.9458%3,995
Assets per employee ($millions)6.1657%1,280
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.4586%2,627
Loan loss allowance to noncurrent loans143.0187%2,901
Noncurrent assets plus other real estate owned to assets0.7421%3,264
Noncurrent loans to loans1.0199%2,723
Net loans and leases to total assets66.3475%2,717
Net loans and leases to deposits87.8798%1,621
Net loans and leases to core deposits103.8653%1,071
Total domestic deposits to total assets75.4980%5,789
Equity capital to assets11.4007%2,556
Core capital (leverage) ratio9.0096%4,938
Tier 1 risk-based capital ratio11.8007%5,370
Total risk-based capital ratio13.0537%5,266
Memoranda:
Average total assets$26,792,641,00058
Average earning assets$23,936,023,50058
Average equity$3,005,147,00055
Average total loans$17,937,686,00053
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2797%5,731
Cost of funding earning assets0.1412%6,153
Net interest margin3.1385%5,101
Noninterest income to average assets1.1070%996
Noninterest expense to average assets2.6599%4,007
Loan and lease loss provision to assets0.0640%3,232
Net operating income to assets0.7964%3,392
Return on assets (ROA)0.7972%3,486
Pretax return on assets1.1639%2,809
Return on Equity (ROE)6.8220%3,739
Retained earnings to average equity (ytd only)0.6159%5,490
Net charge-offs to loans0.0883%3,227
Credit loss provision to net charge-offs108.2993%2,203
Earnings coverage of net charge-offs (x)20.7529%1,713
Efficiency ratio68.0546%3,893
Assets per employee ($millions)6.2729%1,202
Cash dividends to net income (ytd only)*90.9715%559
Condition Ratios (%)
Loss allowance to loans1.4967%2,495
Loan loss allowance to noncurrent loans140.6123%2,950
Noncurrent assets plus other real estate owned to assets0.7713%3,286
Noncurrent loans to loans1.0644%2,694
Net loans and leases to total assets65.5703%2,968
Net loans and leases to deposits90.6111%1,451
Net loans and leases to core deposits107.6147%917
Total domestic deposits to total assets72.3645%6,060
Equity capital to assets11.0300%2,861
Core capital (leverage) ratio8.9241%5,093
Tier 1 risk-based capital ratio12.0064%5,363
Total risk-based capital ratio13.2605%5,262
Memoranda:
Average total assets$25,234,665,20056
Average earning assets$22,349,861,20057
Average equity$2,948,705,20054
Average total loans$16,887,251,20050
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2899%5,788
Cost of funding earning assets0.1396%6,243
Net interest margin3.1503%5,120
Noninterest income to average assets1.1466%912
Noninterest expense to average assets2.6900%3,857
Loan and lease loss provision to assets0.0456%3,479
Net operating income to assets0.8084%3,393
Return on assets (ROA)0.8094%3,485
Pretax return on assets1.1967%2,788
Return on Equity (ROE)6.8240%3,801
Retained earnings to average equity (ytd only)1.8087%5,146
Net charge-offs to loans0.0835%3,008
Credit loss provision to net charge-offs81.3553%2,569
Earnings coverage of net charge-offs (x)22.1632%1,640
Efficiency ratio68.0270%3,847
Assets per employee ($millions)6.0237%1,320
Cash dividends to net income (ytd only)*73.4948%910
Condition Ratios (%)
Loss allowance to loans1.5171%2,625
Loan loss allowance to noncurrent loans133.7197%2,989
Noncurrent assets plus other real estate owned to assets0.8353%3,333
Noncurrent loans to loans1.1345%2,789
Net loans and leases to total assets66.7957%2,721
Net loans and leases to deposits93.3619%1,088
Net loans and leases to core deposits107.1764%893
Total domestic deposits to total assets71.5449%6,202
Equity capital to assets11.6779%2,334
Core capital (leverage) ratio9.2243%4,744
Tier 1 risk-based capital ratio12.5452%5,140
Total risk-based capital ratio13.7997%5,075
Memoranda:
Average total assets$24,879,923,75057
Average earning assets$21,989,845,25059
Average equity$2,950,906,00053
Average total loans$16,673,460,25051
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2853%5,821
Cost of funding earning assets0.1374%6,326
Net interest margin3.1479%5,099
Noninterest income to average assets1.1467%899
Noninterest expense to average assets2.6713%3,972
Loan and lease loss provision to assets0.0932%2,471
Net operating income to assets0.7873%3,391
Return on assets (ROA)0.7884%3,488
Pretax return on assets1.1593%2,834
Return on Equity (ROE)6.6124%3,827
Retained earnings to average equity (ytd only)-0.9335%5,844
Net charge-offs to loans0.0960%2,711
Credit loss provision to net charge-offs145.4407%1,489
Earnings coverage of net charge-offs (x)19.5174%1,622
Efficiency ratio67.6971%4,063
Assets per employee ($millions)5.9538%1,303
Cash dividends to net income (ytd only)*114.1177%407
Condition Ratios (%)
Loss allowance to loans1.5611%2,621
Loan loss allowance to noncurrent loans139.7913%2,861
Noncurrent assets plus other real estate owned to assets0.8157%3,520
Noncurrent loans to loans1.1167%2,987
Net loans and leases to total assets65.8421%2,772
Net loans and leases to deposits96.3973%773
Net loans and leases to core deposits111.8924%606
Total domestic deposits to total assets68.3029%6,411
Equity capital to assets11.5050%2,421
Core capital (leverage) ratio9.2432%4,678
Tier 1 risk-based capital ratio12.3704%5,320
Total risk-based capital ratio13.6250%5,238
Memoranda:
Average total assets$24,673,838,67058
Average earning assets$21,755,049,33059
Average equity$2,941,988,67054
Average total loans$16,466,597,00050
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3130%5,815
Cost of funding earning assets0.1383%6,411
Net interest margin3.1747%5,004
Noninterest income to average assets1.1729%811
Noninterest expense to average assets2.7278%3,839
Loan and lease loss provision to assets0.0825%2,520
Net operating income to assets0.7903%3,197
Return on assets (ROA)0.7921%3,265
Pretax return on assets1.1602%2,656
Return on Equity (ROE)6.5230%3,737
Retained earnings to average equity (ytd only)4.4855%3,425
Net charge-offs to loans0.1329%1,918
Credit loss provision to net charge-offs93.1099%1,774
Earnings coverage of net charge-offs (x)13.9978%1,635
Efficiency ratio68.3371%4,127
Assets per employee ($millions)5.6291%1,590
Cash dividends to net income (ytd only)*31.2363%2,255
Condition Ratios (%)
Loss allowance to loans1.5983%2,714
Loan loss allowance to noncurrent loans139.5447%2,810
Noncurrent assets plus other real estate owned to assets0.8434%3,618
Noncurrent loans to loans1.1453%3,131
Net loans and leases to total assets65.8014%2,599
Net loans and leases to deposits92.0692%947
Net loans and leases to core deposits106.2232%749
Total domestic deposits to total assets71.4695%6,388
Equity capital to assets12.0721%1,822
Core capital (leverage) ratio9.7260%3,960
Tier 1 risk-based capital ratio13.3020%4,826
Total risk-based capital ratio14.5574%4,749
Memoranda:
Average total assets$24,248,697,50058
Average earning assets$21,346,657,50060
Average equity$2,944,714,00053
Average total loans$16,163,835,00050
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4266%5,782
Cost of funding earning assets0.1798%6,394
Net interest margin3.2468%4,846
Noninterest income to average assets1.3053%816
Noninterest expense to average assets2.8368%3,584
Loan and lease loss provision to assets0.0485%4,160
Net operating income to assets0.8951%2,808
Return on assets (ROA)0.8955%2,895
Pretax return on assets1.2708%2,265
Return on Equity (ROE)7.2170%3,445
Retained earnings to average equity (ytd only)-0.7140%6,014
Net charge-offs to loans0.2472%2,493
Credit loss provision to net charge-offs29.1194%4,270
Earnings coverage of net charge-offs (x)7.9187%2,763
Efficiency ratio67.8487%4,224
Assets per employee ($millions)5.3575%1,792
Cash dividends to net income (ytd only)*109.8927%295
Condition Ratios (%)
Loss allowance to loans1.6535%2,553
Loan loss allowance to noncurrent loans132.8511%2,923
Noncurrent assets plus other real estate owned to assets0.9017%3,635
Noncurrent loans to loans1.2446%3,054
Net loans and leases to total assets65.3428%2,801
Net loans and leases to deposits89.7783%1,255
Net loans and leases to core deposits102.4258%999
Total domestic deposits to total assets72.7824%6,372
Equity capital to assets12.2174%1,670
Core capital (leverage) ratio9.8971%3,710
Tier 1 risk-based capital ratio13.4447%4,687
Total risk-based capital ratio14.7007%4,625
Memoranda:
Average total assets$23,373,027,00057
Average earning assets$20,518,880,60059
Average equity$2,900,043,80053
Average total loans$15,746,480,40052
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4211%5,841
Cost of funding earning assets0.1883%6,458
Net interest margin3.2328%4,885
Noninterest income to average assets1.3365%825
Noninterest expense to average assets2.7964%3,675
Loan and lease loss provision to assets0.0459%4,092
Net operating income to assets0.9097%2,783
Return on assets (ROA)0.9101%2,887
Pretax return on assets1.3316%2,207
Return on Equity (ROE)7.3064%3,482
Retained earnings to average equity (ytd only)-3.2896%6,382
Net charge-offs to loans0.2848%2,118
Credit loss provision to net charge-offs23.8407%3,999
Earnings coverage of net charge-offs (x)7.1497%2,839
Efficiency ratio66.5915%4,375
Assets per employee ($millions)5.1512%1,991
Cash dividends to net income (ytd only)*145.0235%140
Condition Ratios (%)
Loss allowance to loans1.6955%2,635
Loan loss allowance to noncurrent loans119.6136%3,030
Noncurrent assets plus other real estate owned to assets1.0534%3,544
Noncurrent loans to loans1.4175%3,048
Net loans and leases to total assets65.6863%2,690
Net loans and leases to deposits82.8969%2,013
Net loans and leases to core deposits95.4992%1,432
Total domestic deposits to total assets79.2386%5,690
Equity capital to assets12.2507%1,746
Core capital (leverage) ratio9.7857%3,982
Tier 1 risk-based capital ratio13.4274%4,812
Total risk-based capital ratio14.6839%4,751
Memoranda:
Average total assets$23,233,244,00057
Average earning assets$20,387,269,75058
Average equity$2,894,084,25053
Average total loans$15,707,885,50053
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4268%5,847
Cost of funding earning assets0.1996%6,471
Net interest margin3.2272%4,847
Noninterest income to average assets1.4098%792
Noninterest expense to average assets2.8133%3,625
Loan and lease loss provision to assets0.0690%3,658
Net operating income to assets0.9320%2,655
Return on assets (ROA)0.9326%2,784
Pretax return on assets1.3631%2,073
Return on Equity (ROE)7.4458%3,367
Retained earnings to average equity (ytd only)-8.3957%6,623
Net charge-offs to loans0.3581%1,768
Credit loss provision to net charge-offs28.3970%3,623
Earnings coverage of net charge-offs (x)5.8884%2,811
Efficiency ratio65.8706%4,572
Assets per employee ($millions)4.9717%2,145
Cash dividends to net income (ytd only)*212.7581%81
Condition Ratios (%)
Loss allowance to loans1.7020%2,775
Loan loss allowance to noncurrent loans116.7906%3,076
Noncurrent assets plus other real estate owned to assets1.1104%3,509
Noncurrent loans to loans1.4573%3,122
Net loans and leases to total assets67.0025%2,412
Net loans and leases to deposits89.8674%1,157
Net loans and leases to core deposits104.0380%838
Total domestic deposits to total assets74.5571%6,398
Equity capital to assets12.1478%1,811
Core capital (leverage) ratio9.5747%4,115
Tier 1 risk-based capital ratio13.0499%5,104
Total risk-based capital ratio14.3068%5,043
Memoranda:
Average total assets$23,182,147,00056
Average earning assets$20,362,259,33058
Average equity$2,903,770,67053
Average total loans$15,734,946,33049
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4281%5,879
Cost of funding earning assets0.2153%6,504
Net interest margin3.2129%4,886
Noninterest income to average assets1.4022%780
Noninterest expense to average assets2.7682%3,804
Loan and lease loss provision to assets0.0692%3,476
Net operating income to assets0.9616%2,391
Return on assets (ROA)0.9625%2,519
Pretax return on assets1.3864%1,902
Return on Equity (ROE)7.5686%3,181
Retained earnings to average equity (ytd only)-23.7208%6,866
Net charge-offs to loans0.3706%1,532
Credit loss provision to net charge-offs27.5672%2,922
Earnings coverage of net charge-offs (x)5.7937%2,321
Efficiency ratio65.1441%4,807
Assets per employee ($millions)4.9078%2,336
Cash dividends to net income (ytd only)*413.4088%46
Condition Ratios (%)
Loss allowance to loans1.7848%2,672
Loan loss allowance to noncurrent loans114.3457%3,002
Noncurrent assets plus other real estate owned to assets1.2258%3,518
Noncurrent loans to loans1.5609%3,205
Net loans and leases to total assets67.0397%2,183
Net loans and leases to deposits86.8728%1,261
Net loans and leases to core deposits100.2658%932
Total domestic deposits to total assets77.1699%6,232
Equity capital to assets12.3927%1,778
Core capital (leverage) ratio9.4454%4,174
Tier 1 risk-based capital ratio12.9590%5,253
Total risk-based capital ratio14.2169%5,199
Memoranda:
Average total assets$23,122,002,00056
Average earning assets$20,297,382,00058
Average equity$2,940,292,50053
Average total loans$15,660,642,50049
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6709%6,097
Cost of funding earning assets0.2938%6,486
Net interest margin3.3771%4,968
Noninterest income to average assets1.4021%788
Noninterest expense to average assets3.0157%3,219
Loan and lease loss provision to assets0.0580%5,051
Net operating income to assets0.8806%2,913
Return on assets (ROA)0.8922%3,091
Pretax return on assets1.2965%2,418
Return on Equity (ROE)6.5060%3,909
Retained earnings to average equity (ytd only)2.3955%4,548
Net charge-offs to loans0.5613%2,053
Credit loss provision to net charge-offs15.4411%5,338
Earnings coverage of net charge-offs (x)3.5622%3,682
Efficiency ratio68.8388%3,995
Assets per employee ($millions)4.9021%2,357
Cash dividends to net income (ytd only)*63.1795%1,640
Condition Ratios (%)
Loss allowance to loans1.8583%2,422
Loan loss allowance to noncurrent loans106.7613%3,176
Noncurrent assets plus other real estate owned to assets1.3274%3,427
Noncurrent loans to loans1.7406%3,002
Net loans and leases to total assets65.9604%2,533
Net loans and leases to deposits89.6301%1,109
Net loans and leases to core deposits101.3586%934
Total domestic deposits to total assets73.5918%6,572
Equity capital to assets13.0363%1,429
Core capital (leverage) ratio10.5315%2,724
Tier 1 risk-based capital ratio14.0762%4,322
Total risk-based capital ratio15.3350%4,274
Memoranda:
Average total assets$22,175,372,80056
Average earning assets$19,379,013,00056
Average equity$3,041,046,80052
Average total loans$14,835,520,40051
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7147%6,199
Cost of funding earning assets0.3116%6,554
Net interest margin3.4031%5,025
Noninterest income to average assets1.4317%733
Noninterest expense to average assets3.0193%3,169
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.9193%2,886
Return on assets (ROA)0.9340%3,039
Pretax return on assets1.4104%2,198
Return on Equity (ROE)6.7225%3,946
Retained earnings to average equity (ytd only)3.4366%4,445
Net charge-offs to loans0.5708%1,906
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)3.6392%3,570
Efficiency ratio68.0711%4,047
Assets per employee ($millions)4.6903%2,611
Cash dividends to net income (ytd only)*48.8794%1,732
Condition Ratios (%)
Loss allowance to loans1.9767%2,236
Loan loss allowance to noncurrent loans100.3607%3,219
Noncurrent assets plus other real estate owned to assets1.4909%3,358
Noncurrent loans to loans1.9696%2,872
Net loans and leases to total assets65.8065%2,688
Net loans and leases to deposits88.5758%1,289
Net loans and leases to core deposits101.0919%1,047
Total domestic deposits to total assets74.2940%6,578
Equity capital to assets13.6184%1,297
Core capital (leverage) ratio10.6540%2,752
Tier 1 risk-based capital ratio14.6901%4,056
Total risk-based capital ratio15.9503%4,012
Memoranda:
Average total assets$21,904,071,00057
Average earning assets$19,153,452,25057
Average equity$3,043,228,25053
Average total loans$14,636,083,00053
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7549%6,240
Cost of funding earning assets0.3269%6,614
Net interest margin3.4281%4,979
Noninterest income to average assets1.4708%673
Noninterest expense to average assets3.0508%3,080
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.9314%2,756
Return on assets (ROA)0.9347%3,004
Pretax return on assets1.4202%2,130
Return on Equity (ROE)6.6821%3,947
Retained earnings to average equity (ytd only)3.3897%4,345
Net charge-offs to loans0.6275%1,754
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)3.3807%3,393
Efficiency ratio67.8798%4,147
Assets per employee ($millions)4.5633%2,784
Cash dividends to net income (ytd only)*49.2713%1,777
Condition Ratios (%)
Loss allowance to loans2.1283%1,928
Loan loss allowance to noncurrent loans92.4712%3,410
Noncurrent assets plus other real estate owned to assets1.7569%3,095
Noncurrent loans to loans2.3016%2,605
Net loans and leases to total assets66.5208%2,563
Net loans and leases to deposits95.5211%657
Net loans and leases to core deposits106.5114%716
Total domestic deposits to total assets69.6399%6,921
Equity capital to assets13.9307%1,128
Core capital (leverage) ratio10.8533%2,432
Tier 1 risk-based capital ratio14.9157%3,822
Total risk-based capital ratio16.1836%3,759
Memoranda:
Average total assets$21,713,483,00058
Average earning assets$18,971,715,33057
Average equity$3,037,353,67053
Average total loans$14,485,170,33056
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7852%6,279
Cost of funding earning assets0.3433%6,670
Net interest margin3.4420%4,944
Noninterest income to average assets1.4305%709
Noninterest expense to average assets3.0761%2,998
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.9070%2,884
Return on assets (ROA)0.9068%3,108
Pretax return on assets1.3599%2,339
Return on Equity (ROE)6.4692%4,059
Retained earnings to average equity (ytd only)3.1765%4,660
Net charge-offs to loans0.6112%1,568
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)3.3679%2,867
Efficiency ratio68.9018%3,997
Assets per employee ($millions)4.4609%3,067
Cash dividends to net income (ytd only)*50.8978%1,439
Condition Ratios (%)
Loss allowance to loans2.3537%1,584
Loan loss allowance to noncurrent loans97.9732%3,119
Noncurrent assets plus other real estate owned to assets1.7710%3,211
Noncurrent loans to loans2.4024%2,703
Net loans and leases to total assets65.0660%2,637
Net loans and leases to deposits89.4722%1,012
Net loans and leases to core deposits99.0937%1,043
Total domestic deposits to total assets72.7220%6,846
Equity capital to assets14.0919%994
Core capital (leverage) ratio10.7035%2,542
Tier 1 risk-based capital ratio15.4032%3,499
Total risk-based capital ratio16.6735%3,459
Memoranda:
Average total assets$21,666,171,50059
Average earning assets$18,921,198,00059
Average equity$3,037,017,00052
Average total loans$14,316,559,50057
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8811%6,638
Cost of funding earning assets0.4862%6,587
Net interest margin3.3949%5,495
Noninterest income to average assets1.2358%856
Noninterest expense to average assets2.9793%3,667
Loan and lease loss provision to assets0.1567%4,675
Net operating income to assets0.7553%3,241
Return on assets (ROA)0.7519%3,420
Pretax return on assets1.0641%2,987
Return on Equity (ROE)5.5495%4,107
Retained earnings to average equity (ytd only)5.5495%2,268
Net charge-offs to loans1.0348%1,681
Credit loss provision to net charge-offs24.6403%5,859
Earnings coverage of net charge-offs (x)1.9273%4,329
Efficiency ratio70.3349%3,881
Assets per employee ($millions)4.7084%2,586
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.5366%1,270
Loan loss allowance to noncurrent loans95.2109%3,166
Noncurrent assets plus other real estate owned to assets1.9528%3,037
Noncurrent loans to loans2.6642%2,439
Net loans and leases to total assets63.8619%3,221
Net loans and leases to deposits90.9685%1,056
Net loans and leases to core deposits100.3989%1,142
Total domestic deposits to total assets70.2022%6,977
Equity capital to assets13.9431%1,086
Core capital (leverage) ratio10.5577%2,652
Tier 1 risk-based capital ratio15.2266%3,494
Total risk-based capital ratio16.4980%3,439
Memoranda:
Average total assets$21,609,533,60058
Average earning assets$18,898,938,00058
Average equity$2,927,870,40054
Average total loans$13,279,796,80061
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9048%6,722
Cost of funding earning assets0.5067%6,671
Net interest margin3.3980%5,580
Noninterest income to average assets1.2109%898
Noninterest expense to average assets2.8970%3,944
Loan and lease loss provision to assets0.2030%3,987
Net operating income to assets0.7495%3,383
Return on assets (ROA)0.7464%3,563
Pretax return on assets1.0819%3,087
Return on Equity (ROE)5.5495%4,251
Retained earnings to average equity (ytd only)5.5495%2,823
Net charge-offs to loans1.1788%1,334
Credit loss provision to net charge-offs28.4971%5,433
Earnings coverage of net charge-offs (x)1.8101%4,305
Efficiency ratio68.6796%4,177
Assets per employee ($millions)4.7800%2,505
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.7979%1,032
Loan loss allowance to noncurrent loans91.0972%3,200
Noncurrent assets plus other real estate owned to assets2.1482%2,979
Noncurrent loans to loans3.0714%2,255
Net loans and leases to total assets61.3194%3,881
Net loans and leases to deposits89.0569%1,313
Net loans and leases to core deposits99.6178%1,282
Total domestic deposits to total assets68.1888%7,132
Equity capital to assets13.8529%1,225
Core capital (leverage) ratio10.3532%3,032
Tier 1 risk-based capital ratio15.5660%3,350
Total risk-based capital ratio16.8416%3,298
Memoranda:
Average total assets$21,583,164,00058
Average earning assets$18,899,180,75058
Average equity$2,902,902,00054
Average total loans$13,042,610,50061
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9133%6,786
Cost of funding earning assets0.5272%6,757
Net interest margin3.3861%5,594
Noninterest income to average assets1.1660%933
Noninterest expense to average assets2.8913%4,058
Loan and lease loss provision to assets0.2745%3,192
Net operating income to assets0.6662%3,707
Return on assets (ROA)0.6662%3,831
Pretax return on assets0.9674%3,368
Return on Equity (ROE)5.0032%4,449
Retained earnings to average equity (ytd only)5.0032%3,003
Net charge-offs to loans1.3296%1,149
Credit loss provision to net charge-offs34.6686%4,913
Earnings coverage of net charge-offs (x)1.5687%4,112
Efficiency ratio69.4255%4,231
Assets per employee ($millions)4.8549%2,332
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.1143%815
Loan loss allowance to noncurrent loans82.6146%3,416
Noncurrent assets plus other real estate owned to assets2.4788%2,693
Noncurrent loans to loans3.7696%1,857
Net loans and leases to total assets58.2916%4,579
Net loans and leases to deposits88.0527%1,492
Net loans and leases to core deposits100.9644%1,260
Total domestic deposits to total assets64.4088%7,303
Equity capital to assets13.4665%1,312
Core capital (leverage) ratio10.1787%3,057
Tier 1 risk-based capital ratio15.7298%3,113
Total risk-based capital ratio17.0122%3,080
Memoranda:
Average total assets$21,562,960,67059
Average earning assets$18,895,089,00060
Average equity$2,871,102,33056
Average total loans$12,838,858,00063
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9233%6,798
Cost of funding earning assets0.5529%6,793
Net interest margin3.3704%5,539
Noninterest income to average assets1.2547%807
Noninterest expense to average assets2.9674%3,780
Loan and lease loss provision to assets0.3448%2,495
Net operating income to assets0.6455%3,773
Return on assets (ROA)0.6455%3,850
Pretax return on assets0.8905%3,538
Return on Equity (ROE)4.8762%4,466
Retained earnings to average equity (ytd only)4.8762%3,267
Net charge-offs to loans1.3245%1,045
Credit loss provision to net charge-offs43.9489%3,871
Earnings coverage of net charge-offs (x)1.5747%3,532
Efficiency ratio70.0851%4,253
Assets per employee ($millions)4.8161%2,402
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.4756%619
Loan loss allowance to noncurrent loans86.4043%3,303
Noncurrent assets plus other real estate owned to assets2.6298%2,612
Noncurrent loans to loans4.0225%1,804
Net loans and leases to total assets57.5486%4,715
Net loans and leases to deposits83.3398%2,131
Net loans and leases to core deposits98.3927%1,482
Total domestic deposits to total assets65.7904%7,335
Equity capital to assets13.4662%1,201
Core capital (leverage) ratio10.0473%3,092
Tier 1 risk-based capital ratio15.7052%3,055
Total risk-based capital ratio16.9896%2,991
Memoranda:
Average total assets$21,437,865,00058
Average earning assets$18,751,176,00061
Average equity$2,837,924,50055
Average total loans$12,696,308,00062
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9987%7,136
Cost of funding earning assets0.7256%6,803
Net interest margin3.2731%6,060
Noninterest income to average assets1.3576%796
Noninterest expense to average assets2.6984%4,996
Loan and lease loss provision to assets1.7034%829
Net operating income to assets0.0291%5,753
Return on assets (ROA)0.1028%5,720
Pretax return on assets-0.0544%5,959
Return on Equity (ROE)0.8270%5,747
Retained earnings to average equity (ytd only)0.8270%5,140
Net charge-offs to loans3.6420%378
Credit loss provision to net charge-offs79.6632%5,573
Earnings coverage of net charge-offs (x)0.7173%5,395
Efficiency ratio63.2380%5,473
Assets per employee ($millions)4.9572%2,213
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.6553%524
Loan loss allowance to noncurrent loans79.5464%3,553
Noncurrent assets plus other real estate owned to assets2.9073%2,415
Noncurrent loans to loans4.5952%1,533
Net loans and leases to total assets56.6821%5,233
Net loans and leases to deposits78.2203%3,481
Net loans and leases to core deposits92.5744%2,432
Total domestic deposits to total assets70.3827%7,216
Equity capital to assets13.0130%1,388
Core capital (leverage) ratio9.5546%3,639
Tier 1 risk-based capital ratio15.1003%3,191
Total risk-based capital ratio16.3830%3,125
Memoranda:
Average total assets$22,336,110,60054
Average earning assets$19,616,866,80055
Average equity$2,776,293,00054
Average total loans$13,113,626,00062
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0389%7,262
Cost of funding earning assets0.7489%6,914
Net interest margin3.2899%6,051
Noninterest income to average assets1.3128%798
Noninterest expense to average assets2.6292%5,201
Loan and lease loss provision to assets1.8955%648
Net operating income to assets-0.0866%6,168
Return on assets (ROA)0.0150%6,094
Pretax return on assets-0.1607%6,282
Return on Equity (ROE)0.1217%6,093
Retained earnings to average equity (ytd only)0.1217%5,728
Net charge-offs to loans3.7639%340
Credit loss provision to net charge-offs85.8196%4,922
Earnings coverage of net charge-offs (x)0.7136%5,343
Efficiency ratio61.9975%5,621
Assets per employee ($millions)5.1948%1,941
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.0581%351
Loan loss allowance to noncurrent loans66.9830%3,970
Noncurrent assets plus other real estate owned to assets3.6379%1,957
Noncurrent loans to loans6.0584%1,022
Net loans and leases to total assets54.0675%5,842
Net loans and leases to deposits70.0661%5,135
Net loans and leases to core deposits87.1232%3,502
Total domestic deposits to total assets75.4881%6,745
Equity capital to assets12.7719%1,699
Core capital (leverage) ratio9.1735%4,419
Tier 1 risk-based capital ratio15.1945%3,160
Total risk-based capital ratio16.4816%3,106
Memoranda:
Average total assets$22,520,541,50054
Average earning assets$19,800,378,00055
Average equity$2,767,715,50053
Average total loans$13,215,308,50060
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1121%7,271
Cost of funding earning assets0.7698%7,005
Net interest margin3.3423%5,865
Noninterest income to average assets1.2962%756
Noninterest expense to average assets2.6090%5,285
Loan and lease loss provision to assets2.2834%511
Net operating income to assets-0.2936%6,467
Return on assets (ROA)-0.1609%6,366
Pretax return on assets-0.4491%6,550
Return on Equity (ROE)-1.3263%6,357
Retained earnings to average equity (ytd only)-1.3263%6,034
Net charge-offs to loans3.9552%329
Credit loss provision to net charge-offs97.1196%4,208
Earnings coverage of net charge-offs (x)0.6920%5,054
Efficiency ratio61.0667%5,839
Assets per employee ($millions)5.2573%1,858
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans4.3316%289
Loan loss allowance to noncurrent loans56.0471%4,570
Noncurrent assets plus other real estate owned to assets4.6223%1,417
Noncurrent loans to loans7.7285%684
Net loans and leases to total assets54.4618%5,922
Net loans and leases to deposits70.4928%5,208
Net loans and leases to core deposits93.5638%2,788
Total domestic deposits to total assets75.4589%6,784
Equity capital to assets12.5244%1,784
Core capital (leverage) ratio9.1284%4,413
Tier 1 risk-based capital ratio14.7277%3,315
Total risk-based capital ratio16.0175%3,256
Memoranda:
Average total assets$22,612,715,33054
Average earning assets$19,890,410,00054
Average equity$2,743,294,00053
Average total loans$13,441,916,33058
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2120%7,247
Cost of funding earning assets0.7844%7,138
Net interest margin3.4277%5,472
Noninterest income to average assets1.2360%802
Noninterest expense to average assets2.5575%5,524
Loan and lease loss provision to assets2.8698%356
Net operating income to assets-0.6156%6,907
Return on assets (ROA)-0.3495%6,758
Pretax return on assets-0.7613%6,931
Return on Equity (ROE)-2.9282%6,730
Retained earnings to average equity (ytd only)-2.9282%6,351
Net charge-offs to loans4.6841%268
Credit loss provision to net charge-offs100.9502%3,361
Earnings coverage of net charge-offs (x)0.5954%4,496
Efficiency ratio59.6534%6,235
Assets per employee ($millions)5.3885%1,776
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.1880%317
Loan loss allowance to noncurrent loans47.0332%5,208
Noncurrent assets plus other real estate owned to assets5.5182%1,119
Noncurrent loans to loans8.9043%549
Net loans and leases to total assets56.4817%5,675
Net loans and leases to deposits72.0963%5,036
Net loans and leases to core deposits95.5705%2,633
Total domestic deposits to total assets76.6527%6,633
Equity capital to assets12.2631%1,898
Core capital (leverage) ratio8.8801%4,757
Tier 1 risk-based capital ratio13.9246%3,707
Total risk-based capital ratio15.2134%3,643
Memoranda:
Average total assets$22,686,893,00054
Average earning assets$19,949,896,50053
Average equity$2,708,180,00052
Average total loans$13,768,659,00055
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6336%7,230
Cost of funding earning assets1.0904%7,006
Net interest margin3.5432%4,768
Noninterest income to average assets1.3820%771
Noninterest expense to average assets2.5201%6,061
Loan and lease loss provision to assets3.1844%514
Net operating income to assets-0.5301%6,221
Return on assets (ROA)-0.5047%6,177
Pretax return on assets-1.1538%6,512
Return on Equity (ROE)-4.3513%6,144
Retained earnings to average equity (ytd only)-4.6473%5,976
Net charge-offs to loans2.8495%767
Credit loss provision to net charge-offs170.3954%2,503
Earnings coverage of net charge-offs (x)1.0654%5,050
Efficiency ratio55.3373%7,090
Assets per employee ($millions)5.2918%1,843
Cash dividends to net income (ytd only)*-6.8038%7,555
Condition Ratios (%)
Loss allowance to loans3.9856%367
Loan loss allowance to noncurrent loans50.5728%4,996
Noncurrent assets plus other real estate owned to assets5.2206%1,144
Noncurrent loans to loans7.8809%650
Net loans and leases to total assets59.9593%5,343
Net loans and leases to deposits80.2598%3,942
Net loans and leases to core deposits88.2434%5,303
Total domestic deposits to total assets73.7488%7,053
Equity capital to assets11.6078%2,242
Core capital (leverage) ratio8.2638%5,693
Tier 1 risk-based capital ratio11.8708%5,060
Total risk-based capital ratio13.1558%4,982
Memoranda:
Average total assets$23,297,147,80055
Average earning assets$20,574,092,40055
Average equity$2,702,233,00051
Average total loans$15,279,499,80052
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6841%7,305
Cost of funding earning assets1.1567%7,019
Net interest margin3.5275%4,753
Noninterest income to average assets1.2182%1,036
Noninterest expense to average assets2.3055%6,689
Loan and lease loss provision to assets1.9925%910
Net operating income to assets0.2266%5,069
Return on assets (ROA)0.2810%4,969
Pretax return on assets0.0959%5,539
Return on Equity (ROE)2.4228%5,019
Retained earnings to average equity (ytd only)2.4228%3,970
Net charge-offs to loans1.7647%1,144
Credit loss provision to net charge-offs170.1993%2,738
Earnings coverage of net charge-offs (x)1.7375%4,495
Efficiency ratio52.5843%7,363
Assets per employee ($millions)5.3037%1,782
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.7358%847
Loan loss allowance to noncurrent loans45.8453%5,256
Noncurrent assets plus other real estate owned to assets4.1437%1,518
Noncurrent loans to loans5.9675%997
Net loans and leases to total assets63.2566%5,029
Net loans and leases to deposits86.2048%3,271
Net loans and leases to core deposits95.7584%4,833
Total domestic deposits to total assets73.3795%7,037
Equity capital to assets12.8336%1,767
Core capital (leverage) ratio8.3304%5,783
Tier 1 risk-based capital ratio11.8411%5,112
Total risk-based capital ratio13.1112%5,035
Memoranda:
Average total assets$23,480,404,25060
Average earning assets$20,777,552,25059
Average equity$2,722,994,50053
Average total loans$15,576,651,75055
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7392%7,336
Cost of funding earning assets1.2232%7,039
Net interest margin3.5160%4,726
Noninterest income to average assets1.2794%933
Noninterest expense to average assets2.3036%6,750
Loan and lease loss provision to assets2.1600%738
Net operating income to assets0.1964%5,277
Return on assets (ROA)0.2772%5,095
Pretax return on assets0.0004%5,868
Return on Equity (ROE)2.4728%5,118
Retained earnings to average equity (ytd only)2.4728%3,963
Net charge-offs to loans1.4706%1,291
Credit loss provision to net charge-offs220.0462%2,089
Earnings coverage of net charge-offs (x)2.1186%4,011
Efficiency ratio52.0239%7,512
Assets per employee ($millions)5.3507%1,719
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.5493%858
Loan loss allowance to noncurrent loans54.8025%4,733
Noncurrent assets plus other real estate owned to assets3.2718%1,904
Noncurrent loans to loans4.6518%1,371
Net loans and leases to total assets64.0317%4,975
Net loans and leases to deposits92.3862%2,397
Net loans and leases to core deposits102.6422%4,214
Total domestic deposits to total assets69.3087%7,529
Equity capital to assets11.9483%2,235
Core capital (leverage) ratio7.9928%6,346
Tier 1 risk-based capital ratio11.1157%5,758
Total risk-based capital ratio12.3827%5,652
Memoranda:
Average total assets$23,816,590,67063
Average earning assets$21,024,426,67062
Average equity$2,669,344,67055
Average total loans$15,897,280,33057
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8447%7,298
Cost of funding earning assets1.2440%7,188
Net interest margin3.6007%4,311
Noninterest income to average assets1.1441%1,126
Noninterest expense to average assets2.1665%6,965
Loan and lease loss provision to assets1.7395%716
Net operating income to assets0.6336%3,871
Return on assets (ROA)0.8165%3,214
Pretax return on assets0.5911%4,783
Return on Equity (ROE)7.5304%3,363
Retained earnings to average equity (ytd only)7.5304%2,008
Net charge-offs to loans1.4142%1,007
Credit loss provision to net charge-offs182.8611%2,378
Earnings coverage of net charge-offs (x)2.2577%3,605
Efficiency ratio49.6820%7,607
Assets per employee ($millions)5.3883%1,662
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.8835%1,661
Loan loss allowance to noncurrent loans67.0860%4,225
Noncurrent assets plus other real estate owned to assets2.1026%2,745
Noncurrent loans to loans2.8075%2,329
Net loans and leases to total assets65.6065%4,668
Net loans and leases to deposits98.9697%1,536
Net loans and leases to core deposits110.3196%3,391
Total domestic deposits to total assets66.2895%7,715
Equity capital to assets10.9609%2,997
Core capital (leverage) ratio7.0709%7,584
Tier 1 risk-based capital ratio9.3854%7,518
Total risk-based capital ratio10.6424%7,472
Memoranda:
Average total assets$23,921,319,50063
Average earning assets$21,060,187,00063
Average equity$2,593,696,00056
Average total loans$16,090,180,50058
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6765%6,849
Cost of funding earning assets2.0504%6,234
Net interest margin3.6260%4,764
Noninterest income to average assets1.2815%895
Noninterest expense to average assets2.3025%6,695
Loan and lease loss provision to assets0.8527%1,748
Net operating income to assets0.9951%2,577
Return on assets (ROA)0.8203%3,186
Pretax return on assets1.0764%3,115
Return on Equity (ROE)7.1657%3,444
Retained earnings to average equity (ytd only)2.2534%3,808
Net charge-offs to loans0.7959%1,566
Credit loss provision to net charge-offs149.5074%3,528
Earnings coverage of net charge-offs (x)3.7854%4,223
Efficiency ratio50.9749%7,589
Assets per employee ($millions)5.5449%1,420
Cash dividends to net income (ytd only)*68.5533%2,247
Condition Ratios (%)
Loss allowance to loans1.5813%2,324
Loan loss allowance to noncurrent loans74.9437%4,328
Noncurrent assets plus other real estate owned to assets1.6288%2,990
Noncurrent loans to loans2.1100%2,616
Net loans and leases to total assets66.5926%4,737
Net loans and leases to deposits104.5207%1,288
Net loans and leases to core deposits116.8024%3,025
Total domestic deposits to total assets63.7124%7,810
Equity capital to assets10.7236%3,277
Core capital (leverage) ratio7.3093%7,404
Tier 1 risk-based capital ratio9.0675%7,744
Total risk-based capital ratio10.3217%7,707
Memoranda:
Average total assets$22,227,994,80062
Average earning assets$19,493,655,40064
Average equity$2,544,624,20057
Average total loans$15,929,363,20059