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Bank of Cairo and Moberly, Performance and Condition Ratios

2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2558%3,794
Cost of funding earning assets0.3804%4,561
Net interest margin3.8755%2,345
Noninterest income to average assets1.0919%767
Noninterest expense to average assets2.9246%2,184
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.2867%1,901
Return on assets (ROA)1.2867%1,986
Pretax return on assets1.6685%1,423
Return on Equity (ROE)7.1653%3,619
Retained earnings to average equity (ytd only)-16.8820%5,196
Net charge-offs to loans-0.0025%4,084
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6741%3,071
Assets per employee ($millions)4.3939%3,346
Cash dividends to net income (ytd only)*335.6076%29
Condition Ratios (%)
Loss allowance to loans1.1001%3,028
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets49.2736%4,466
Net loans and leases to deposits59.2493%4,415
Net loans and leases to core deposits59.8057%4,542
Total domestic deposits to total assets83.1633%3,102
Equity capital to assets16.7201%516
Core capital (leverage) ratio17.0747%431
Tier 1 risk-based capital ratio22.1719%1,045
Total risk-based capital ratio22.8987%1,090
Memoranda:
Average total assets$104,764,0003,965
Average earning assets$94,644,2504,005
Average equity$18,812,5003,268
Average total loans$52,309,5004,180
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2238%3,863
Cost of funding earning assets0.3865%4,557
Net interest margin3.8373%2,448
Noninterest income to average assets0.9968%878
Noninterest expense to average assets2.6900%2,940
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.5076%1,127
Return on assets (ROA)1.5076%1,179
Pretax return on assets1.7832%1,079
Return on Equity (ROE)8.2058%3,200
Retained earnings to average equity (ytd only)-25.7003%5,263
Net charge-offs to loans-0.0038%4,070
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1369%3,708
Assets per employee ($millions)4.0696%3,776
Cash dividends to net income (ytd only)*413.1980%26
Condition Ratios (%)
Loss allowance to loans1.1150%2,993
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets50.3828%4,451
Net loans and leases to deposits61.7385%4,340
Net loans and leases to core deposits62.1246%4,496
Total domestic deposits to total assets81.6069%3,635
Equity capital to assets17.2313%446
Core capital (leverage) ratio16.8433%449
Tier 1 risk-based capital ratio22.4293%1,005
Total risk-based capital ratio23.1682%1,040
Memoranda:
Average total assets$104,534,0003,992
Average earning assets$94,702,0004,023
Average equity$19,206,0003,231
Average total loans$52,233,0004,213
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1380%4,036
Cost of funding earning assets0.3953%4,502
Net interest margin3.7428%2,735
Noninterest income to average assets0.9629%894
Noninterest expense to average assets2.7036%2,896
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4047%1,365
Return on assets (ROA)1.4047%1,391
Pretax return on assets1.6917%1,235
Return on Equity (ROE)7.4239%3,489
Retained earnings to average equity (ytd only)4.8894%2,952
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5120%3,607
Assets per employee ($millions)4.2317%3,579
Cash dividends to net income (ytd only)*34.1398%2,104
Condition Ratios (%)
Loss allowance to loans1.1394%2,910
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets47.3221%4,611
Net loans and leases to deposits59.2939%4,451
Net loans and leases to core deposits59.6578%4,580
Total domestic deposits to total assets79.8094%4,202
Equity capital to assets19.0960%279
Core capital (leverage) ratio18.9652%280
Tier 1 risk-based capital ratio25.8802%695
Total risk-based capital ratio26.6173%714
Memoranda:
Average total assets$105,931,5004,006
Average earning assets$97,147,5004,027
Average equity$20,043,5003,157
Average total loans$52,431,0004,255
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9919%4,053
Cost of funding earning assets0.2396%4,854
Net interest margin3.7523%2,846
Noninterest income to average assets0.8904%1,198
Noninterest expense to average assets2.4596%3,732
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.6376%797
Return on assets (ROA)1.6243%818
Pretax return on assets1.8492%812
Return on Equity (ROE)8.9663%3,013
Retained earnings to average equity (ytd only)6.2832%2,046
Net charge-offs to loans-0.0054%4,368
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.8825%4,295
Assets per employee ($millions)4.0797%3,775
Cash dividends to net income (ytd only)*29.9240%3,048
Condition Ratios (%)
Loss allowance to loans1.0641%3,301
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets50.5746%4,488
Net loans and leases to deposits63.1601%4,304
Net loans and leases to core deposits63.5454%4,468
Total domestic deposits to total assets80.0737%4,090
Equity capital to assets18.7469%286
Core capital (leverage) ratio18.5515%289
Tier 1 risk-based capital ratio25.2151%727
Total risk-based capital ratio25.9420%751
Memoranda:
Average total assets$105,340,4004,012
Average earning assets$96,394,2004,029
Average equity$19,082,6003,174
Average total loans$55,983,4004,186
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9342%4,122
Cost of funding earning assets0.2013%5,016
Net interest margin3.7329%2,888
Noninterest income to average assets0.8964%1,214
Noninterest expense to average assets2.4293%3,787
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.6203%928
Return on assets (ROA)1.6039%957
Pretax return on assets1.8575%891
Return on Equity (ROE)8.9324%3,119
Retained earnings to average equity (ytd only)6.2280%2,537
Net charge-offs to loans-0.0047%4,216
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4193%4,326
Assets per employee ($millions)4.3400%3,374
Cash dividends to net income (ytd only)*30.2765%2,532
Condition Ratios (%)
Loss allowance to loans1.0469%3,487
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets54.5396%4,326
Net loans and leases to deposits68.9261%3,992
Net loans and leases to core deposits69.6786%4,215
Total domestic deposits to total assets79.1276%4,296
Equity capital to assets19.5450%250
Core capital (leverage) ratio19.6868%247
Tier 1 risk-based capital ratio25.0311%752
Total risk-based capital ratio25.7631%776
Memoranda:
Average total assets$105,157,7504,052
Average earning assets$96,045,0004,076
Average equity$18,882,0003,215
Average total loans$56,423,7504,222
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8231%4,295
Cost of funding earning assets0.1881%5,084
Net interest margin3.6350%3,181
Noninterest income to average assets0.8510%1,319
Noninterest expense to average assets2.3808%3,945
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.5606%1,008
Return on assets (ROA)1.5411%1,058
Pretax return on assets1.7730%1,027
Return on Equity (ROE)8.8257%3,102
Retained earnings to average equity (ytd only)6.0838%2,505
Net charge-offs to loans-0.0035%4,037
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0085%4,359
Assets per employee ($millions)4.1825%3,606
Cash dividends to net income (ytd only)*31.0680%2,537
Condition Ratios (%)
Loss allowance to loans1.0262%3,673
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets55.2481%4,223
Net loans and leases to deposits69.1565%3,933
Net loans and leases to core deposits69.9000%4,150
Total domestic deposits to total assets79.8884%4,257
Equity capital to assets18.8484%273
Core capital (leverage) ratio18.1269%309
Tier 1 risk-based capital ratio24.4168%799
Total risk-based capital ratio25.1411%813
Memoranda:
Average total assets$106,936,6704,068
Average earning assets$97,827,0004,081
Average equity$18,672,6703,254
Average total loans$56,892,3304,249
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6178%4,666
Cost of funding earning assets0.1730%5,145
Net interest margin3.4448%3,722
Noninterest income to average assets0.6932%1,860
Noninterest expense to average assets2.2501%4,293
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.4437%1,213
Return on assets (ROA)1.4372%1,240
Pretax return on assets1.6150%1,347
Return on Equity (ROE)8.5395%3,136
Retained earnings to average equity (ytd only)5.7793%2,820
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1068%4,323
Assets per employee ($millions)4.8786%2,634
Cash dividends to net income (ytd only)*32.3232%2,084
Condition Ratios (%)
Loss allowance to loans1.0088%3,901
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets50.2001%4,543
Net loans and leases to deposits61.0390%4,396
Net loans and leases to core deposits61.6064%4,575
Total domestic deposits to total assets82.2426%3,886
Equity capital to assets16.5979%428
Core capital (leverage) ratio17.3305%353
Tier 1 risk-based capital ratio23.1417%928
Total risk-based capital ratio23.8377%964
Memoranda:
Average total assets$110,215,0004,059
Average earning assets$101,720,0004,070
Average equity$18,549,0003,300
Average total loans$57,322,0004,272
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6789%4,386
Cost of funding earning assets0.1426%5,305
Net interest margin3.5363%3,395
Noninterest income to average assets0.8076%1,540
Noninterest expense to average assets2.4237%4,008
Loan and lease loss provision to assets0.2715%661
Net operating income to assets0.8429%2,982
Return on assets (ROA)0.8688%2,893
Pretax return on assets1.3841%2,040
Return on Equity (ROE)4.7651%4,262
Retained earnings to average equity (ytd only)1.9927%4,128
Net charge-offs to loans0.4499%534
Credit loss provision to net charge-offs105.7692%2,437
Earnings coverage of net charge-offs (x)6.2923%3,199
Efficiency ratio60.0098%4,263
Assets per employee ($millions)4.5093%3,166
Cash dividends to net income (ytd only)*58.1818%1,836
Condition Ratios (%)
Loss allowance to loans0.9941%3,986
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets52.8243%4,458
Net loans and leases to deposits64.5769%4,287
Net loans and leases to core deposits65.2030%4,464
Total domestic deposits to total assets81.8005%3,913
Equity capital to assets17.0703%394
Core capital (leverage) ratio17.3696%340
Tier 1 risk-based capital ratio23.8909%823
Total risk-based capital ratio24.6197%859
Memoranda:
Average total assets$101,292,2004,213
Average earning assets$92,554,6004,228
Average equity$18,467,8003,307
Average total loans$57,787,0004,251
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6699%4,395
Cost of funding earning assets0.1337%5,411
Net interest margin3.5362%3,365
Noninterest income to average assets0.8464%1,431
Noninterest expense to average assets2.4588%3,858
Loan and lease loss provision to assets0.5022%236
Net operating income to assets0.8692%3,180
Return on assets (ROA)0.9120%3,024
Pretax return on assets1.1638%3,047
Return on Equity (ROE)4.9170%4,557
Retained earnings to average equity (ytd only)2.1444%4,576
Net charge-offs to loans0.9343%194
Credit loss provision to net charge-offs92.5926%2,424
Earnings coverage of net charge-offs (x)2.9704%3,400
Efficiency ratio60.4146%4,141
Assets per employee ($millions)4.4399%3,256
Cash dividends to net income (ytd only)*56.3878%1,487
Condition Ratios (%)
Loss allowance to loans0.9258%4,445
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets55.4349%4,281
Net loans and leases to deposits68.8590%4,051
Net loans and leases to core deposits69.5767%4,264
Total domestic deposits to total assets80.5049%4,208
Equity capital to assets18.2965%311
Core capital (leverage) ratio19.3176%234
Tier 1 risk-based capital ratio23.9829%853
Total risk-based capital ratio24.6597%888
Memoranda:
Average total assets$99,559,5004,288
Average earning assets$90,754,0004,312
Average equity$18,466,2503,334
Average total loans$57,798,2504,290
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6543%4,350
Cost of funding earning assets0.1348%5,424
Net interest margin3.5196%3,327
Noninterest income to average assets0.8733%1,354
Noninterest expense to average assets2.4639%3,877
Loan and lease loss provision to assets0.0608%2,748
Net operating income to assets1.1336%1,839
Return on assets (ROA)1.1934%1,651
Pretax return on assets1.6595%1,164
Return on Equity (ROE)6.4044%3,871
Retained earnings to average equity (ytd only)3.6208%3,554
Net charge-offs to loans0.0896%1,715
Credit loss provision to net charge-offs115.3846%1,830
Earnings coverage of net charge-offs (x)31.0769%1,437
Efficiency ratio60.0791%4,310
Assets per employee ($millions)3.6769%4,472
Cash dividends to net income (ytd only)*43.4635%2,168
Condition Ratios (%)
Loss allowance to loans0.9677%4,335
Loan loss allowance to noncurrent loans29.6160%4,977
Noncurrent assets plus other real estate owned to assets2.1542%561
Noncurrent loans to loans3.2674%372
Net loans and leases to total assets65.2913%3,214
Net loans and leases to deposits84.2711%2,438
Net loans and leases to core deposits85.3294%2,941
Total domestic deposits to total assets77.4777%4,892
Equity capital to assets21.1692%177
Core capital (leverage) ratio19.3145%228
Tier 1 risk-based capital ratio25.5152%703
Total risk-based capital ratio26.2801%729
Memoranda:
Average total assets$98,706,6704,330
Average earning assets$90,522,3304,345
Average equity$18,393,6703,347
Average total loans$58,018,3304,313
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4453%4,841
Cost of funding earning assets0.1301%5,487
Net interest margin3.3152%3,953
Noninterest income to average assets0.7428%1,771
Noninterest expense to average assets2.3283%4,329
Loan and lease loss provision to assets0.0577%2,649
Net operating income to assets0.9589%2,483
Return on assets (ROA)0.9775%2,459
Pretax return on assets1.4239%1,794
Return on Equity (ROE)5.5671%4,110
Retained earnings to average equity (ytd only)2.7616%4,027
Net charge-offs to loans0.1795%934
Credit loss provision to net charge-offs57.6923%1,927
Earnings coverage of net charge-offs (x)14.5385%1,719
Efficiency ratio61.5463%4,217
Assets per employee ($millions)4.2568%3,574
Cash dividends to net income (ytd only)*50.3937%1,663
Condition Ratios (%)
Loss allowance to loans0.9326%4,629
Loan loss allowance to noncurrent loans33.1719%4,989
Noncurrent assets plus other real estate owned to assets1.6660%913
Noncurrent loans to loans2.8114%512
Net loans and leases to total assets56.9801%4,065
Net loans and leases to deposits70.4669%3,748
Net loans and leases to core deposits71.1960%4,058
Total domestic deposits to total assets80.8608%4,442
Equity capital to assets18.0135%300
Core capital (leverage) ratio17.5140%322
Tier 1 risk-based capital ratio24.7719%795
Total risk-based capital ratio25.5028%821
Memoranda:
Average total assets$103,937,0004,285
Average earning assets$95,317,5004,285
Average equity$18,250,0003,382
Average total loans$57,937,5004,348
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5031%4,770
Cost of funding earning assets0.1361%5,512
Net interest margin3.3670%3,931
Noninterest income to average assets0.8074%1,726
Noninterest expense to average assets2.3494%4,422
Loan and lease loss provision to assets0.0478%3,437
Net operating income to assets1.1409%1,726
Return on assets (ROA)1.3068%1,265
Pretax return on assets1.7104%974
Return on Equity (ROE)7.2441%3,340
Retained earnings to average equity (ytd only)4.4150%2,773
Net charge-offs to loans0.1600%1,682
Credit loss provision to net charge-offs53.3333%3,338
Earnings coverage of net charge-offs (x)17.1667%2,068
Efficiency ratio60.4049%4,522
Assets per employee ($millions)4.4047%3,272
Cash dividends to net income (ytd only)*39.0542%2,907
Condition Ratios (%)
Loss allowance to loans0.9787%4,445
Loan loss allowance to noncurrent loans31.9429%5,047
Noncurrent assets plus other real estate owned to assets1.6554%946
Noncurrent loans to loans3.0640%439
Net loans and leases to total assets53.5001%4,484
Net loans and leases to deposits65.3743%4,301
Net loans and leases to core deposits66.0192%4,523
Total domestic deposits to total assets81.8365%4,115
Equity capital to assets17.1192%373
Core capital (leverage) ratio17.8990%294
Tier 1 risk-based capital ratio25.2771%746
Total risk-based capital ratio26.0431%776
Memoranda:
Average total assets$100,325,0004,344
Average earning assets$91,832,6004,353
Average equity$18,097,4003,391
Average total loans$56,262,2004,404
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5364%4,717
Cost of funding earning assets0.1356%5,583
Net interest margin3.4009%3,834
Noninterest income to average assets0.8621%1,539
Noninterest expense to average assets2.3735%4,344
Loan and lease loss provision to assets0.0485%3,279
Net operating income to assets1.1842%1,693
Return on assets (ROA)1.4009%1,123
Pretax return on assets1.8307%841
Return on Equity (ROE)7.6620%3,211
Retained earnings to average equity (ytd only)4.8329%2,936
Net charge-offs to loans0.2165%1,075
Credit loss provision to net charge-offs39.5604%3,152
Earnings coverage of net charge-offs (x)13.0330%2,338
Efficiency ratio59.7693%4,576
Assets per employee ($millions)4.5121%3,067
Cash dividends to net income (ytd only)*36.9233%2,485
Condition Ratios (%)
Loss allowance to loans0.9644%4,597
Loan loss allowance to noncurrent loans25.3129%5,260
Noncurrent assets plus other real estate owned to assets2.1729%682
Noncurrent loans to loans3.8097%309
Net loans and leases to total assets56.4866%4,257
Net loans and leases to deposits70.4174%3,949
Net loans and leases to core deposits71.1727%4,236
Total domestic deposits to total assets80.2168%4,467
Equity capital to assets18.5905%296
Core capital (leverage) ratio18.5002%264
Tier 1 risk-based capital ratio25.4427%765
Total risk-based capital ratio26.2016%801
Memoranda:
Average total assets$98,978,2504,396
Average earning assets$90,484,5004,408
Average equity$18,097,5003,414
Average total loans$56,049,0004,439
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5811%4,647
Cost of funding earning assets0.1392%5,619
Net interest margin3.4419%3,717
Noninterest income to average assets0.8374%1,586
Noninterest expense to average assets2.3806%4,403
Loan and lease loss provision to assets0.0485%3,178
Net operating income to assets1.1736%1,690
Return on assets (ROA)1.3208%1,311
Pretax return on assets1.7556%971
Return on Equity (ROE)7.2642%3,387
Retained earnings to average equity (ytd only)4.4163%3,105
Net charge-offs to loans0.0859%1,986
Credit loss provision to net charge-offs100.0000%2,087
Earnings coverage of net charge-offs (x)33.1250%1,316
Efficiency ratio59.6856%4,681
Assets per employee ($millions)4.0595%3,799
Cash dividends to net income (ytd only)*39.2037%2,460
Condition Ratios (%)
Loss allowance to loans1.0968%3,960
Loan loss allowance to noncurrent loans26.6637%5,328
Noncurrent assets plus other real estate owned to assets2.4141%590
Noncurrent loans to loans4.1136%277
Net loans and leases to total assets58.0424%4,110
Net loans and leases to deposits73.2506%3,679
Net loans and leases to core deposits74.0949%3,972
Total domestic deposits to total assets79.2381%4,724
Equity capital to assets19.5302%233
Core capital (leverage) ratio17.7867%310
Tier 1 risk-based capital ratio26.0818%718
Total risk-based capital ratio26.9504%730
Memoranda:
Average total assets$98,882,3304,439
Average earning assets$90,530,6704,448
Average equity$17,978,6703,442
Average total loans$55,859,3304,474
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5025%4,883
Cost of funding earning assets0.1372%5,697
Net interest margin3.3653%3,992
Noninterest income to average assets0.7832%1,684
Noninterest expense to average assets2.3062%4,641
Loan and lease loss provision to assets0.0472%2,975
Net operating income to assets1.1423%1,740
Return on assets (ROA)1.1806%1,716
Pretax return on assets1.5703%1,373
Return on Equity (ROE)6.7225%3,601
Retained earnings to average equity (ytd only)3.8542%3,573
Net charge-offs to loans0.1277%1,336
Credit loss provision to net charge-offs66.6667%1,925
Earnings coverage of net charge-offs (x)22.1111%1,417
Efficiency ratio59.5528%4,804
Assets per employee ($millions)4.4174%3,224
Cash dividends to net income (ytd only)*42.6667%1,999
Condition Ratios (%)
Loss allowance to loans1.0581%4,299
Loan loss allowance to noncurrent loans26.8381%5,344
Noncurrent assets plus other real estate owned to assets2.1968%750
Noncurrent loans to loans3.9427%313
Net loans and leases to total assets54.7593%4,378
Net loans and leases to deposits67.4531%4,110
Net loans and leases to core deposits68.1496%4,391
Total domestic deposits to total assets81.1813%4,434
Equity capital to assets17.6770%354
Core capital (leverage) ratio17.5888%327
Tier 1 risk-based capital ratio25.2999%789
Total risk-based capital ratio26.1446%809
Memoranda:
Average total assets$101,639,5004,437
Average earning assets$93,305,0004,440
Average equity$17,850,5003,459
Average total loans$56,392,0004,489
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7593%4,164
Cost of funding earning assets0.1439%5,723
Net interest margin3.6155%3,076
Noninterest income to average assets0.7313%2,057
Noninterest expense to average assets2.3571%4,624
Loan and lease loss provision to assets0.0122%4,166
Net operating income to assets1.2778%1,328
Return on assets (ROA)1.3249%1,254
Pretax return on assets1.7299%931
Return on Equity (ROE)7.4807%3,256
Retained earnings to average equity (ytd only)4.7510%2,612
Net charge-offs to loans0.0070%4,200
Credit loss provision to net charge-offs300.0000%982
Earnings coverage of net charge-offs (x)412.0000%154
Efficiency ratio58.3733%5,103
Assets per employee ($millions)4.4208%3,170
Cash dividends to net income (ytd only)*36.4896%3,026
Condition Ratios (%)
Loss allowance to loans1.0627%4,248
Loan loss allowance to noncurrent loans27.4429%5,376
Noncurrent assets plus other real estate owned to assets2.1539%792
Noncurrent loans to loans3.8725%322
Net loans and leases to total assets55.0286%4,386
Net loans and leases to deposits67.5121%4,172
Net loans and leases to core deposits68.2042%4,435
Total domestic deposits to total assets81.5093%4,331
Equity capital to assets17.4482%364
Core capital (leverage) ratio17.5645%310
Tier 1 risk-based capital ratio25.2085%800
Total risk-based capital ratio26.0670%817
Memoranda:
Average total assets$98,043,0004,499
Average earning assets$89,670,4004,511
Average equity$17,364,6003,485
Average total loans$56,868,6004,468
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8268%4,006
Cost of funding earning assets0.1411%5,840
Net interest margin3.6857%2,827
Noninterest income to average assets0.7838%1,860
Noninterest expense to average assets2.3760%4,578
Loan and lease loss provision to assets0.0124%4,024
Net operating income to assets1.3560%1,212
Return on assets (ROA)1.3877%1,188
Pretax return on assets1.8078%885
Return on Equity (ROE)7.8050%3,189
Retained earnings to average equity (ytd only)5.1338%2,813
Net charge-offs to loans0.0070%3,926
Credit loss provision to net charge-offs300.0000%959
Earnings coverage of net charge-offs (x)431.9900%169
Efficiency ratio57.1853%5,207
Assets per employee ($millions)3.8762%4,128
Cash dividends to net income (ytd only)*34.2233%2,610
Condition Ratios (%)
Loss allowance to loans1.0360%4,550
Loan loss allowance to noncurrent loans109.5064%3,485
Noncurrent assets plus other real estate owned to assets0.5880%3,519
Noncurrent loans to loans0.9460%2,608
Net loans and leases to total assets61.5094%3,668
Net loans and leases to deposits76.9793%3,197
Net loans and leases to core deposits77.8602%3,620
Total domestic deposits to total assets79.9039%4,772
Equity capital to assets18.8868%282
Core capital (leverage) ratio18.7933%256
Tier 1 risk-based capital ratio24.9149%864
Total risk-based capital ratio25.7682%883
Memoranda:
Average total assets$97,134,2504,564
Average earning assets$88,845,7504,578
Average equity$17,270,5003,520
Average total loans$56,947,5004,508
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7483%4,243
Cost of funding earning assets0.1439%5,899
Net interest margin3.6044%3,077
Noninterest income to average assets0.7797%1,870
Noninterest expense to average assets2.3593%4,694
Loan and lease loss provision to assets0.0122%3,876
Net operating income to assets1.3133%1,278
Return on assets (ROA)1.3462%1,245
Pretax return on assets1.7563%963
Return on Equity (ROE)7.7225%3,204
Retained earnings to average equity (ytd only)5.0318%2,844
Net charge-offs to loans-0.0035%4,664
Credit loss provision to net charge-offs-600.0000%5,245
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7535%5,251
Assets per employee ($millions)3.9373%4,003
Cash dividends to net income (ytd only)*34.8416%2,625
Condition Ratios (%)
Loss allowance to loans1.0522%4,595
Loan loss allowance to noncurrent loans108.8929%3,511
Noncurrent assets plus other real estate owned to assets0.6085%3,593
Noncurrent loans to loans0.9663%2,715
Net loans and leases to total assets62.3077%3,510
Net loans and leases to deposits78.2070%3,002
Net loans and leases to core deposits79.1272%3,474
Total domestic deposits to total assets79.6703%4,934
Equity capital to assets19.1393%259
Core capital (leverage) ratio17.8497%301
Tier 1 risk-based capital ratio24.9397%870
Total risk-based capital ratio25.8068%888
Memoranda:
Average total assets$98,503,0004,577
Average earning assets$90,333,3304,589
Average equity$17,170,6703,541
Average total loans$56,656,6704,553
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5755%4,764
Cost of funding earning assets0.1442%5,973
Net interest margin3.4313%3,704
Noninterest income to average assets0.7338%2,000
Noninterest expense to average assets2.2678%4,954
Loan and lease loss provision to assets0.0117%3,575
Net operating income to assets1.2081%1,525
Return on assets (ROA)1.2139%1,600
Pretax return on assets1.6199%1,221
Return on Equity (ROE)7.2791%3,347
Retained earnings to average equity (ytd only)4.5875%3,276
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.2748%5,305
Assets per employee ($millions)4.2506%3,462
Cash dividends to net income (ytd only)*36.9775%2,129
Condition Ratios (%)
Loss allowance to loans1.0589%4,712
Loan loss allowance to noncurrent loans101.5306%3,656
Noncurrent assets plus other real estate owned to assets0.5764%3,752
Noncurrent loans to loans1.0430%2,675
Net loans and leases to total assets54.6788%4,349
Net loans and leases to deposits66.6579%4,086
Net loans and leases to core deposits68.1624%4,311
Total domestic deposits to total assets82.0289%4,502
Equity capital to assets16.8604%448
Core capital (leverage) ratio16.5724%409
Tier 1 risk-based capital ratio24.7089%914
Total risk-based capital ratio25.5756%939
Memoranda:
Average total assets$102,476,0004,545
Average earning assets$94,308,5004,540
Average equity$17,090,0003,578
Average total loans$56,473,0004,589
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8282%4,401
Cost of funding earning assets0.1521%6,089
Net interest margin3.6761%3,096
Noninterest income to average assets0.8516%1,678
Noninterest expense to average assets2.3724%4,915
Loan and lease loss provision to assets0.0371%3,840
Net operating income to assets1.3762%1,128
Return on assets (ROA)1.3815%1,153
Pretax return on assets1.8153%771
Return on Equity (ROE)8.3903%2,918
Retained earnings to average equity (ytd only)5.5794%2,208
Net charge-offs to loans0.0036%4,885
Credit loss provision to net charge-offs1,850.0000%166
Earnings coverage of net charge-offs (x)921.0000%46
Efficiency ratio56.2470%5,645
Assets per employee ($millions)4.1175%3,688
Cash dividends to net income (ytd only)*33.5025%3,200
Condition Ratios (%)
Loss allowance to loans1.0483%4,818
Loan loss allowance to noncurrent loans105.7041%3,585
Noncurrent assets plus other real estate owned to assets0.5450%3,988
Noncurrent loans to loans0.9917%2,848
Net loans and leases to total assets54.3784%4,534
Net loans and leases to deposits65.9061%4,340
Net loans and leases to core deposits67.3679%4,565
Total domestic deposits to total assets82.5089%4,245
Equity capital to assets16.4954%479
Core capital (leverage) ratio16.3484%434
Tier 1 risk-based capital ratio24.8189%851
Total risk-based capital ratio25.6937%880
Memoranda:
Average total assets$99,815,8004,606
Average earning assets$91,400,8004,620
Average equity$16,435,6003,612
Average total loans$55,884,4004,616
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8654%4,299
Cost of funding earning assets0.1517%6,176
Net interest margin3.7138%2,969
Noninterest income to average assets0.8482%1,708
Noninterest expense to average assets2.3991%4,827
Loan and lease loss provision to assets0.0417%3,564
Net operating income to assets1.3818%1,169
Return on assets (ROA)1.3746%1,229
Pretax return on assets1.7933%905
Return on Equity (ROE)8.3518%3,010
Retained earnings to average equity (ytd only)5.5133%2,738
Net charge-offs to loans0.0048%4,538
Credit loss provision to net charge-offs1,550.0000%236
Earnings coverage of net charge-offs (x)684.1273%114
Efficiency ratio56.5355%5,610
Assets per employee ($millions)3.8959%4,098
Cash dividends to net income (ytd only)*33.9866%2,620
Condition Ratios (%)
Loss allowance to loans1.0358%5,044
Loan loss allowance to noncurrent loans81.8689%4,139
Noncurrent assets plus other real estate owned to assets0.7362%3,604
Noncurrent loans to loans1.2652%2,526
Net loans and leases to total assets57.5819%4,126
Net loans and leases to deposits70.5775%3,850
Net loans and leases to core deposits72.2514%4,127
Total domestic deposits to total assets81.5867%4,631
Equity capital to assets17.2983%396
Core capital (leverage) ratio17.2002%354
Tier 1 risk-based capital ratio25.0461%878
Total risk-based capital ratio25.9328%896
Memoranda:
Average total assets$99,035,2504,665
Average earning assets$90,544,0004,690
Average equity$16,299,5003,650
Average total loans$55,713,2504,666
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8274%4,421
Cost of funding earning assets0.1540%6,245
Net interest margin3.6734%3,053
Noninterest income to average assets0.7893%1,883
Noninterest expense to average assets2.3619%4,991
Loan and lease loss provision to assets0.0321%3,642
Net operating income to assets1.3449%1,196
Return on assets (ROA)1.3356%1,265
Pretax return on assets1.7373%949
Return on Equity (ROE)8.2523%2,957
Retained earnings to average equity (ytd only)5.3857%2,712
Net charge-offs to loans0.0072%4,140
Credit loss provision to net charge-offs800.0000%405
Earnings coverage of net charge-offs (x)443.5000%159
Efficiency ratio57.0044%5,656
Assets per employee ($millions)3.7142%4,431
Cash dividends to net income (ytd only)*34.7368%2,616
Condition Ratios (%)
Loss allowance to loans1.0065%5,314
Loan loss allowance to noncurrent loans101.2389%3,615
Noncurrent assets plus other real estate owned to assets0.6338%4,071
Noncurrent loans to loans0.9942%3,248
Net loans and leases to total assets63.1108%3,223
Net loans and leases to deposits78.3884%2,750
Net loans and leases to core deposits81.6170%3,016
Total domestic deposits to total assets80.5104%5,123
Equity capital to assets18.3318%308
Core capital (leverage) ratio16.8105%379
Tier 1 risk-based capital ratio24.5434%925
Total risk-based capital ratio25.4025%946
Memoranda:
Average total assets$99,581,3304,692
Average earning assets$90,924,0004,705
Average equity$16,116,6703,672
Average total loans$55,394,3304,707
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5158%5,378
Cost of funding earning assets0.1547%6,330
Net interest margin3.3611%4,288
Noninterest income to average assets0.8778%1,460
Noninterest expense to average assets2.3091%5,167
Loan and lease loss provision to assets0.0229%3,532
Net operating income to assets1.2011%1,483
Return on assets (ROA)1.1870%1,588
Pretax return on assets1.5954%1,181
Return on Equity (ROE)7.7728%3,057
Retained earnings to average equity (ytd only)4.8986%3,173
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5106%5,599
Assets per employee ($millions)4.4023%3,145
Cash dividends to net income (ytd only)*36.9775%2,093
Condition Ratios (%)
Loss allowance to loans1.0249%5,427
Loan loss allowance to noncurrent loans99.2958%3,626
Noncurrent assets plus other real estate owned to assets0.5376%4,537
Noncurrent loans to loans1.0321%3,363
Net loans and leases to total assets51.5527%4,725
Net loans and leases to deposits61.5562%4,600
Net loans and leases to core deposits64.5371%4,643
Total domestic deposits to total assets83.7490%4,365
Equity capital to assets15.2402%633
Core capital (leverage) ratio15.3799%555
Tier 1 risk-based capital ratio24.8726%904
Total risk-based capital ratio25.7438%923
Memoranda:
Average total assets$104,802,0004,609
Average earning assets$95,683,0004,638
Average equity$16,004,5003,697
Average total loans$54,677,0004,767
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7485%4,980
Cost of funding earning assets0.1911%6,332
Net interest margin3.5574%3,646
Noninterest income to average assets0.7018%2,534
Noninterest expense to average assets2.2393%5,533
Loan and lease loss provision to assets0.0060%5,006
Net operating income to assets1.2966%1,259
Return on assets (ROA)1.2966%1,309
Pretax return on assets1.6765%994
Return on Equity (ROE)8.3913%2,836
Retained earnings to average equity (ytd only)6.0428%1,942
Net charge-offs to loans0.0987%3,857
Credit loss provision to net charge-offs11.3208%4,570
Earnings coverage of net charge-offs (x)31.7547%1,125
Efficiency ratio57.0992%5,839
Assets per employee ($millions)4.3312%3,218
Cash dividends to net income (ytd only)*27.9877%3,370
Condition Ratios (%)
Loss allowance to loans1.0272%5,434
Loan loss allowance to noncurrent loans98.4127%3,653
Noncurrent assets plus other real estate owned to assets0.5455%4,593
Noncurrent loans to loans1.0438%3,424
Net loans and leases to total assets51.7215%4,891
Net loans and leases to deposits61.7516%4,744
Net loans and leases to core deposits64.7923%4,800
Total domestic deposits to total assets83.7574%4,262
Equity capital to assets15.3027%622
Core capital (leverage) ratio15.3492%562
Tier 1 risk-based capital ratio25.1809%836
Total risk-based capital ratio26.0642%860
Memoranda:
Average total assets$100,032,4004,737
Average earning assets$90,543,2004,757
Average equity$15,456,4003,790
Average total loans$53,725,2004,823
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7670%4,971
Cost of funding earning assets0.1965%6,413
Net interest margin3.5706%3,576
Noninterest income to average assets0.7538%2,352
Noninterest expense to average assets2.2412%5,504
Loan and lease loss provision to assets0.0067%4,843
Net operating income to assets1.3339%1,258
Return on assets (ROA)1.3339%1,311
Pretax return on assets1.7350%1,026
Return on Equity (ROE)8.6113%2,832
Retained earnings to average equity (ytd only)6.4650%2,153
Net charge-offs to loans0.1344%3,198
Credit loss provision to net charge-offs9.2593%4,221
Earnings coverage of net charge-offs (x)23.9624%1,446
Efficiency ratio56.2690%5,869
Assets per employee ($millions)4.2325%3,360
Cash dividends to net income (ytd only)*24.9247%2,895
Condition Ratios (%)
Loss allowance to loans1.0363%5,576
Loan loss allowance to noncurrent loans98.4071%3,511
Noncurrent assets plus other real estate owned to assets0.5804%4,704
Noncurrent loans to loans1.0531%3,695
Net loans and leases to total assets54.5435%4,528
Net loans and leases to deposits65.8551%4,323
Net loans and leases to core deposits69.3689%4,388
Total domestic deposits to total assets82.8235%4,644
Equity capital to assets16.1452%529
Core capital (leverage) ratio16.3394%446
Tier 1 risk-based capital ratio25.8087%801
Total risk-based capital ratio26.7217%820
Memoranda:
Average total assets$99,053,2504,806
Average earning assets$89,582,5004,823
Average equity$15,343,7503,850
Average total loans$53,576,0004,869
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7374%5,031
Cost of funding earning assets0.2108%6,422
Net interest margin3.5266%3,670
Noninterest income to average assets0.6886%2,696
Noninterest expense to average assets2.1943%5,644
Loan and lease loss provision to assets0.0060%4,718
Net operating income to assets1.3150%1,286
Return on assets (ROA)1.3150%1,370
Pretax return on assets1.6783%1,163
Return on Equity (ROE)8.6075%2,793
Retained earnings to average equity (ytd only)6.4392%2,179
Net charge-offs to loans0.2017%2,546
Credit loss provision to net charge-offs5.5556%3,947
Earnings coverage of net charge-offs (x)15.5370%1,729
Efficiency ratio56.5735%5,894
Assets per employee ($millions)4.3007%3,170
Cash dividends to net income (ytd only)*25.1908%2,810
Condition Ratios (%)
Loss allowance to loans1.0591%5,587
Loan loss allowance to noncurrent loans98.5765%3,500
Noncurrent assets plus other real estate owned to assets0.6116%4,717
Noncurrent loans to loans1.0744%3,778
Net loans and leases to total assets52.3222%4,815
Net loans and leases to deposits62.7318%4,661
Net loans and leases to core deposits65.9980%4,689
Total domestic deposits to total assets83.4061%4,543
Equity capital to assets15.6325%597
Core capital (leverage) ratio16.0174%463
Tier 1 risk-based capital ratio26.3860%740
Total risk-based capital ratio27.3314%748
Memoranda:
Average total assets$99,621,6704,829
Average earning assets$90,115,0004,843
Average equity$15,219,3303,906
Average total loans$53,550,3304,895
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7508%4,989
Cost of funding earning assets0.2468%6,310
Net interest margin3.5039%3,676
Noninterest income to average assets0.6442%2,909
Noninterest expense to average assets2.0965%5,921
Loan and lease loss provision to assets0.0080%4,347
Net operating income to assets1.3283%1,210
Return on assets (ROA)1.3283%1,311
Pretax return on assets1.7204%1,034
Return on Equity (ROE)8.7962%2,582
Retained earnings to average equity (ytd only)6.5971%2,370
Net charge-offs to loans0.0222%3,729
Credit loss provision to net charge-offs66.6667%2,337
Earnings coverage of net charge-offs (x)144.0000%273
Efficiency ratio54.8117%6,171
Assets per employee ($millions)4.2060%3,525
Cash dividends to net income (ytd only)*25.0000%2,207
Condition Ratios (%)
Loss allowance to loans1.1305%5,481
Loan loss allowance to noncurrent loans610.1010%721
Noncurrent assets plus other real estate owned to assets0.1023%6,276
Noncurrent loans to loans0.1853%5,941
Net loans and leases to total assets54.6068%4,314
Net loans and leases to deposits65.6097%4,104
Net loans and leases to core deposits70.1332%4,065
Total domestic deposits to total assets83.2298%4,783
Equity capital to assets15.7354%602
Core capital (leverage) ratio15.1896%563
Tier 1 risk-based capital ratio25.8241%803
Total risk-based capital ratio26.8488%815
Memoranda:
Average total assets$99,974,5004,869
Average earning assets$90,755,0004,874
Average equity$15,097,5003,976
Average total loans$54,171,0004,912
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4008%3,809
Cost of funding earning assets0.3452%6,244
Net interest margin4.0556%2,165
Noninterest income to average assets1.0010%1,529
Noninterest expense to average assets2.3430%5,584
Loan and lease loss provision to assets0.0109%5,782
Net operating income to assets1.7025%612
Return on assets (ROA)1.6993%699
Pretax return on assets2.3027%339
Return on Equity (ROE)10.8269%1,863
Retained earnings to average equity (ytd only)8.5366%956
Net charge-offs to loans0.0141%5,715
Credit loss provision to net charge-offs125.0000%2,264
Earnings coverage of net charge-offs (x)266.0000%147
Efficiency ratio50.2688%6,578
Assets per employee ($millions)4.4875%2,982
Cash dividends to net income (ytd only)*21.1538%3,701
Condition Ratios (%)
Loss allowance to loans1.1017%5,543
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets52.6179%4,823
Net loans and leases to deposits62.2192%4,764
Net loans and leases to core deposits66.3993%4,700
Total domestic deposits to total assets84.5687%4,057
Equity capital to assets14.5070%869
Core capital (leverage) ratio15.0880%555
Tier 1 risk-based capital ratio25.0084%853
Total risk-based capital ratio26.0188%865
Memoranda:
Average total assets$91,804,2005,030
Average earning assets$82,848,6005,047
Average equity$14,408,6004,085
Average total loans$56,648,4004,845
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5794%3,290
Cost of funding earning assets0.3616%6,323
Net interest margin4.2178%1,688
Noninterest income to average assets1.0957%1,251
Noninterest expense to average assets2.3787%5,461
Loan and lease loss provision to assets0.0150%5,624
Net operating income to assets1.8556%511
Return on assets (ROA)1.8556%582
Pretax return on assets2.4957%292
Return on Equity (ROE)11.5692%1,770
Retained earnings to average equity (ytd only)9.2609%1,135
Net charge-offs to loans0.0163%5,457
Credit loss provision to net charge-offs142.8571%2,010
Earnings coverage of net charge-offs (x)239.3655%189
Efficiency ratio48.6511%6,681
Assets per employee ($millions)3.9825%3,906
Cash dividends to net income (ytd only)*19.9518%3,043
Condition Ratios (%)
Loss allowance to loans1.0894%5,764
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,825
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets59.9681%3,792
Net loans and leases to deposits72.3788%3,551
Net loans and leases to core deposits78.0219%3,456
Total domestic deposits to total assets82.8532%4,700
Equity capital to assets16.0857%593
Core capital (leverage) ratio16.3633%438
Tier 1 risk-based capital ratio25.0229%906
Total risk-based capital ratio26.0504%921
Memoranda:
Average total assets$88,952,2505,176
Average earning assets$80,008,7505,180
Average equity$14,267,5004,150
Average total loans$57,082,2504,885
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6658%3,069
Cost of funding earning assets0.3791%6,383
Net interest margin4.2867%1,507
Noninterest income to average assets1.2535%908
Noninterest expense to average assets2.4503%5,297
Loan and lease loss provision to assets0.0227%5,382
Net operating income to assets1.9734%408
Return on assets (ROA)1.9734%474
Pretax return on assets2.6320%248
Return on Equity (ROE)12.3158%1,572
Retained earnings to average equity (ytd only)9.9773%982
Net charge-offs to loans0.0243%5,049
Credit loss provision to net charge-offs142.8571%1,932
Earnings coverage of net charge-offs (x)167.0000%275
Efficiency ratio47.9982%6,774
Assets per employee ($millions)3.4962%4,996
Cash dividends to net income (ytd only)*18.9873%3,017
Condition Ratios (%)
Loss allowance to loans1.0859%5,839
Loan loss allowance to noncurrent loans60,500.0000%14
Noncurrent assets plus other real estate owned to assets0.0012%6,872
Noncurrent loans to loans0.0018%6,729
Net loans and leases to total assets65.6767%2,735
Net loans and leases to deposits80.4097%2,330
Net loans and leases to core deposits87.8509%2,221
Total domestic deposits to total assets81.6776%5,241
Equity capital to assets17.2177%420
Core capital (leverage) ratio16.0767%448
Tier 1 risk-based capital ratio24.5076%956
Total risk-based capital ratio25.5339%963
Memoranda:
Average total assets$88,070,6705,224
Average earning assets$79,128,3305,234
Average equity$14,112,0004,177
Average total loans$57,598,3304,885
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5962%3,519
Cost of funding earning assets0.3826%6,496
Net interest margin4.2136%1,723
Noninterest income to average assets1.4553%684
Noninterest expense to average assets2.4093%5,440
Loan and lease loss provision to assets0.0266%5,022
Net operating income to assets2.1564%312
Return on assets (ROA)2.1564%366
Pretax return on assets2.8308%217
Return on Equity (ROE)13.9410%1,195
Retained earnings to average equity (ytd only)11.5601%911
Net charge-offs to loans0.0410%4,121
Credit loss provision to net charge-offs100.0000%2,289
Earnings coverage of net charge-offs (x)107.3333%322
Efficiency ratio45.7456%6,913
Assets per employee ($millions)3.7179%4,615
Cash dividends to net income (ytd only)*17.0782%2,404
Condition Ratios (%)
Loss allowance to loans1.0339%6,138
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1300%6,566
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets64.5788%2,745
Net loans and leases to deposits77.8658%2,540
Net loans and leases to core deposits82.5379%2,756
Total domestic deposits to total assets82.9360%4,955
Equity capital to assets15.8536%598
Core capital (leverage) ratio15.6164%515
Tier 1 risk-based capital ratio23.4139%1,079
Total risk-based capital ratio24.4103%1,091
Memoranda:
Average total assets$90,152,0005,202
Average earning assets$81,545,0005,205
Average equity$13,944,5004,210
Average total loans$58,541,0004,880
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7908%3,857
Cost of funding earning assets0.4930%6,563
Net interest margin4.2978%1,702
Noninterest income to average assets0.7771%2,183
Noninterest expense to average assets2.3244%5,987
Loan and lease loss provision to assets0.0093%6,420
Net operating income to assets1.6796%572
Return on assets (ROA)1.6271%687
Pretax return on assets2.3013%299
Return on Equity (ROE)10.6562%1,817
Retained earnings to average equity (ytd only)8.1569%1,030
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3615%6,869
Assets per employee ($millions)3.7948%4,326
Cash dividends to net income (ytd only)*23.4542%3,400
Condition Ratios (%)
Loss allowance to loans1.0228%6,105
Loan loss allowance to noncurrent loans955.5556%407
Noncurrent assets plus other real estate owned to assets0.0867%6,736
Noncurrent loans to loans0.1070%6,543
Net loans and leases to total assets63.9638%3,199
Net loans and leases to deposits76.2320%3,145
Net loans and leases to core deposits80.6543%3,366
Total domestic deposits to total assets83.9067%4,349
Equity capital to assets15.0898%758
Core capital (leverage) ratio14.6979%666
Tier 1 risk-based capital ratio22.4698%1,171
Total risk-based capital ratio23.4541%1,182
Memoranda:
Average total assets$86,472,8005,277
Average earning assets$79,110,6005,256
Average equity$13,203,6004,301
Average total loans$58,116,8004,940
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8275%3,895
Cost of funding earning assets0.5138%6,648
Net interest margin4.3137%1,666
Noninterest income to average assets0.7798%2,141
Noninterest expense to average assets2.3252%5,966
Loan and lease loss provision to assets0.0094%6,316
Net operating income to assets1.6970%634
Return on assets (ROA)1.6970%695
Pretax return on assets2.3940%301
Return on Equity (ROE)11.0796%1,843
Retained earnings to average equity (ytd only)8.5495%1,299
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.1738%6,872
Assets per employee ($millions)3.8031%4,300
Cash dividends to net income (ytd only)*22.8363%2,805
Condition Ratios (%)
Loss allowance to loans1.0047%6,243
Loan loss allowance to noncurrent loans10,000.0000%51
Noncurrent assets plus other real estate owned to assets0.0263%6,994
Noncurrent loans to loans0.0100%6,934
Net loans and leases to total assets67.5851%2,560
Net loans and leases to deposits81.0146%2,522
Net loans and leases to core deposits85.5691%2,832
Total domestic deposits to total assets83.4233%4,512
Equity capital to assets15.4381%738
Core capital (leverage) ratio15.2591%612
Tier 1 risk-based capital ratio21.7736%1,325
Total risk-based capital ratio22.7411%1,344
Memoranda:
Average total assets$85,322,2505,341
Average earning assets$78,106,2505,324
Average equity$13,068,7504,336
Average total loans$57,931,7504,999
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8047%4,084
Cost of funding earning assets0.5539%6,648
Net interest margin4.2508%1,842
Noninterest income to average assets0.7021%2,543
Noninterest expense to average assets2.3190%6,071
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.6122%713
Return on assets (ROA)1.6122%759
Pretax return on assets2.2835%359
Return on Equity (ROE)10.5543%1,934
Retained earnings to average equity (ytd only)8.0008%1,464
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.3852%6,908
Assets per employee ($millions)3.5713%4,745
Cash dividends to net income (ytd only)*24.1935%2,714
Condition Ratios (%)
Loss allowance to loans1.0163%6,266
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0438%6,986
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets70.4330%2,127
Net loans and leases to deposits85.0804%1,935
Net loans and leases to core deposits93.1190%2,005
Total domestic deposits to total assets82.7841%4,855
Equity capital to assets16.0496%606
Core capital (leverage) ratio15.5678%563
Tier 1 risk-based capital ratio22.1277%1,237
Total risk-based capital ratio23.1247%1,251
Memoranda:
Average total assets$84,605,6705,408
Average earning assets$77,632,6705,378
Average equity$12,923,6704,360
Average total loans$57,336,3305,071
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6620%4,690
Cost of funding earning assets0.5815%6,686
Net interest margin4.0805%2,347
Noninterest income to average assets0.6151%3,070
Noninterest expense to average assets2.2321%6,353
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.5797%721
Return on assets (ROA)1.5797%766
Pretax return on assets2.1435%440
Return on Equity (ROE)10.5987%1,875
Retained earnings to average equity (ytd only)8.0038%1,733
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.0117%6,920
Assets per employee ($millions)3.6464%4,660
Cash dividends to net income (ytd only)*24.4838%2,121
Condition Ratios (%)
Loss allowance to loans1.0357%6,265
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0405%7,067
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets67.6786%2,623
Net loans and leases to deposits81.1797%2,495
Net loans and leases to core deposits88.6086%2,528
Total domestic deposits to total assets83.3689%4,760
Equity capital to assets15.4077%680
Core capital (leverage) ratio14.8336%688
Tier 1 risk-based capital ratio22.5503%1,136
Total risk-based capital ratio23.5869%1,149
Memoranda:
Average total assets$85,839,0005,410
Average earning assets$79,108,0005,385
Average equity$12,794,0004,384
Average total loans$56,781,0005,140
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0283%4,420
Cost of funding earning assets0.7946%6,590
Net interest margin4.2337%2,051
Noninterest income to average assets1.1064%1,213
Noninterest expense to average assets2.4930%5,826
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.7518%464
Return on assets (ROA)1.7518%506
Pretax return on assets2.5112%184
Return on Equity (ROE)11.9546%1,322
Retained earnings to average equity (ytd only)9.2226%659
Net charge-offs to loans0.0052%6,792
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)690.0000%25
Efficiency ratio49.8182%7,136
Assets per employee ($millions)3.8179%4,213
Cash dividends to net income (ytd only)*22.8532%3,346
Condition Ratios (%)
Loss allowance to loans1.0568%6,121
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0729%7,047
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets63.3338%4,002
Net loans and leases to deposits74.9323%4,037
Net loans and leases to core deposits79.9465%4,228
Total domestic deposits to total assets84.5213%4,101
Equity capital to assets14.4242%923
Core capital (leverage) ratio14.2825%793
Tier 1 risk-based capital ratio22.1001%1,163
Total risk-based capital ratio23.1365%1,170
Memoranda:
Average total assets$82,429,2005,512
Average earning assets$75,891,2005,483
Average equity$12,079,0004,580
Average total loans$57,875,8005,164
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1177%4,229
Cost of funding earning assets0.8458%6,602
Net interest margin4.2719%1,945
Noninterest income to average assets0.9899%1,485
Noninterest expense to average assets2.4665%5,830
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.7266%592
Return on assets (ROA)1.7266%644
Pretax return on assets2.4517%248
Return on Equity (ROE)11.7327%1,575
Retained earnings to average equity (ytd only)8.9727%1,061
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.1505%7,137
Assets per employee ($millions)3.6756%4,555
Cash dividends to net income (ytd only)*23.5241%2,813
Condition Ratios (%)
Loss allowance to loans1.0409%6,213
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0946%7,119
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets67.1371%3,427
Net loans and leases to deposits79.7743%3,493
Net loans and leases to core deposits84.4008%3,886
Total domestic deposits to total assets84.1588%4,026
Equity capital to assets14.6146%987
Core capital (leverage) ratio14.9381%728
Tier 1 risk-based capital ratio20.8172%1,393
Total risk-based capital ratio21.8231%1,413
Memoranda:
Average total assets$81,083,7505,634
Average earning assets$74,562,7505,588
Average equity$11,932,2504,699
Average total loans$58,292,7505,215
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1742%4,072
Cost of funding earning assets0.8855%6,642
Net interest margin4.2887%1,825
Noninterest income to average assets0.8682%1,809
Noninterest expense to average assets2.5171%5,657
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.6439%659
Return on assets (ROA)1.6439%704
Pretax return on assets2.2894%348
Return on Equity (ROE)11.1438%1,703
Retained earnings to average equity (ytd only)8.3451%1,317
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3686%7,033
Assets per employee ($millions)3.3019%5,426
Cash dividends to net income (ytd only)*25.1142%2,699
Condition Ratios (%)
Loss allowance to loans1.0197%6,316
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0909%7,173
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets73.1264%2,132
Net loans and leases to deposits87.5032%2,259
Net loans and leases to core deposits94.4949%2,644
Total domestic deposits to total assets83.5699%4,303
Equity capital to assets15.1984%838
Core capital (leverage) ratio15.0191%717
Tier 1 risk-based capital ratio20.4879%1,437
Total risk-based capital ratio21.5034%1,441
Memoranda:
Average total assets$79,932,0005,701
Average earning assets$73,402,0005,660
Average equity$11,791,3304,733
Average total loans$58,605,6705,243
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1199%4,438
Cost of funding earning assets0.9057%6,748
Net interest margin4.2141%1,982
Noninterest income to average assets0.6876%2,680
Noninterest expense to average assets2.4366%5,960
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.5347%839
Return on assets (ROA)1.5347%905
Pretax return on assets2.1227%482
Return on Equity (ROE)10.5615%1,920
Retained earnings to average equity (ytd only)7.7497%1,814
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4426%7,025
Assets per employee ($millions)3.2511%5,649
Cash dividends to net income (ytd only)*26.6234%2,091
Condition Ratios (%)
Loss allowance to loans1.0235%6,348
Loan loss allowance to noncurrent loans5,427.2727%66
Noncurrent assets plus other real estate owned to assets0.1064%7,212
Noncurrent loans to loans0.0189%7,370
Net loans and leases to total assets73.9923%1,973
Net loans and leases to deposits88.5681%2,117
Net loans and leases to core deposits95.3288%2,660
Total domestic deposits to total assets83.5429%4,368
Equity capital to assets15.0948%861
Core capital (leverage) ratio14.3159%891
Tier 1 risk-based capital ratio21.1140%1,323
Total risk-based capital ratio22.1842%1,325
Memoranda:
Average total assets$80,275,5005,763
Average earning assets$73,752,0005,714
Average equity$11,665,0004,801
Average total loans$58,635,5005,310
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5865%3,678
Cost of funding earning assets1.2318%6,542
Net interest margin4.3547%1,556
Noninterest income to average assets0.6619%3,208
Noninterest expense to average assets2.6138%5,746
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.4578%739
Return on assets (ROA)1.4587%800
Pretax return on assets2.0272%386
Return on Equity (ROE)10.0710%1,667
Retained earnings to average equity (ytd only)8.0012%698
Net charge-offs to loans0.0710%6,405
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)37.1667%639
Efficiency ratio56.3357%6,971
Assets per employee ($millions)3.4385%5,162
Cash dividends to net income (ytd only)*20.5516%3,641
Condition Ratios (%)
Loss allowance to loans1.0129%6,300
Loan loss allowance to noncurrent loans14,925.0000%32
Noncurrent assets plus other real estate owned to assets0.1066%7,225
Noncurrent loans to loans0.0068%7,428
Net loans and leases to total assets70.6982%3,078
Net loans and leases to deposits83.2330%3,416
Net loans and leases to core deposits95.2897%4,540
Total domestic deposits to total assets84.9401%3,577
Equity capital to assets13.9984%1,174
Core capital (leverage) ratio14.3298%919
Tier 1 risk-based capital ratio20.4081%1,387
Total risk-based capital ratio21.4628%1,385
Memoranda:
Average total assets$77,052,8005,807
Average earning assets$70,384,2005,801
Average equity$11,160,8004,975
Average total loans$59,151,0005,292
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7099%3,293
Cost of funding earning assets1.3053%6,544
Net interest margin4.4046%1,429
Noninterest income to average assets0.6588%3,300
Noninterest expense to average assets2.6795%5,412
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.4040%1,018
Return on assets (ROA)1.4040%1,087
Pretax return on assets1.9977%544
Return on Equity (ROE)9.6054%2,065
Retained earnings to average equity (ytd only)7.5204%1,308
Net charge-offs to loans0.0923%5,756
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)27.6561%985
Efficiency ratio57.2881%6,829
Assets per employee ($millions)3.1783%5,703
Cash dividends to net income (ytd only)*21.7063%3,179
Condition Ratios (%)
Loss allowance to loans1.0321%6,098
Loan loss allowance to noncurrent loans14,950.0000%28
Noncurrent assets plus other real estate owned to assets0.2098%6,996
Noncurrent loans to loans0.0069%7,513
Net loans and leases to total assets75.1727%2,203
Net loans and leases to deposits89.6121%2,648
Net loans and leases to core deposits104.9164%3,834
Total domestic deposits to total assets83.8868%3,776
Equity capital to assets14.9124%1,028
Core capital (leverage) ratio14.6996%915
Tier 1 risk-based capital ratio18.6128%1,838
Total risk-based capital ratio19.5913%1,850
Memoranda:
Average total assets$75,685,0005,885
Average earning assets$69,047,7505,881
Average equity$11,063,0005,053
Average total loans$59,203,7505,325
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7817%3,130
Cost of funding earning assets1.3717%6,576
Net interest margin4.4100%1,391
Noninterest income to average assets0.7207%2,860
Noninterest expense to average assets2.7104%5,348
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.4069%1,016
Return on assets (ROA)1.4069%1,084
Pretax return on assets2.0136%546
Return on Equity (ROE)9.6907%2,133
Retained earnings to average equity (ytd only)7.5919%1,356
Net charge-offs to loans0.0067%6,506
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)380.0000%98
Efficiency ratio57.3752%6,952
Assets per employee ($millions)3.2561%5,430
Cash dividends to net income (ytd only)*21.6573%3,118
Condition Ratios (%)
Loss allowance to loans1.0791%5,738
Loan loss allowance to noncurrent loans379.1667%827
Noncurrent assets plus other real estate owned to assets0.4780%6,243
Noncurrent loans to loans0.2846%6,807
Net loans and leases to total assets77.9744%1,747
Net loans and leases to deposits92.9265%2,288
Net loans and leases to core deposits108.5550%3,546
Total domestic deposits to total assets83.9097%3,823
Equity capital to assets14.9112%1,048
Core capital (leverage) ratio14.8215%960
Tier 1 risk-based capital ratio18.1974%1,958
Total risk-based capital ratio19.2354%1,963
Memoranda:
Average total assets$75,487,0005,933
Average earning assets$68,526,6705,935
Average equity$10,959,0005,099
Average total loans$59,625,3305,349
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7903%3,352
Cost of funding earning assets1.4417%6,607
Net interest margin4.3486%1,468
Noninterest income to average assets0.6756%3,031
Noninterest expense to average assets2.5546%5,634
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.3512%1,256
Return on assets (ROA)1.3512%1,347
Pretax return on assets2.0532%600
Return on Equity (ROE)9.4334%2,562
Retained earnings to average equity (ytd only)7.2962%2,101
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4410%7,045
Assets per employee ($millions)3.1190%5,842
Cash dividends to net income (ytd only)*22.6563%2,503
Condition Ratios (%)
Loss allowance to loans1.0769%5,636
Loan loss allowance to noncurrent loans597.1963%598
Noncurrent assets plus other real estate owned to assets0.4422%6,170
Noncurrent loans to loans0.1803%7,011
Net loans and leases to total assets78.4159%1,714
Net loans and leases to deposits93.2544%2,393
Net loans and leases to core deposits110.2826%3,396
Total domestic deposits to total assets84.0881%3,665
Equity capital to assets14.6308%1,202
Core capital (leverage) ratio14.2245%1,145
Tier 1 risk-based capital ratio18.7055%1,881
Total risk-based capital ratio19.7971%1,874
Memoranda:
Average total assets$75,785,5005,952
Average earning assets$68,528,0005,963
Average equity$10,855,0005,147
Average total loans$59,922,0005,361
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9009%6,028
Cost of funding earning assets1.8456%6,880
Net interest margin4.0553%2,892
Noninterest income to average assets0.7633%2,702
Noninterest expense to average assets2.4524%6,195
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.3591%1,328
Return on assets (ROA)1.3591%1,283
Pretax return on assets2.0010%601
Return on Equity (ROE)10.8658%1,949
Retained earnings to average equity (ytd only)8.6247%674
Net charge-offs to loans0.0287%6,420
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)97.0000%446
Efficiency ratio55.0681%7,144
Assets per employee ($millions)3.1965%5,493
Cash dividends to net income (ytd only)*20.6250%4,423
Condition Ratios (%)
Loss allowance to loans1.0561%5,573
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3102%6,361
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets78.0382%2,125
Net loans and leases to deposits91.8642%3,169
Net loans and leases to core deposits108.0203%3,967
Total domestic deposits to total assets84.9495%2,867
Equity capital to assets14.0233%1,417
Core capital (leverage) ratio13.8405%1,298
Tier 1 risk-based capital ratio18.5337%1,909
Total risk-based capital ratio19.6352%1,889
Memoranda:
Average total assets$82,409,0005,616
Average earning assets$74,989,0005,625
Average equity$10,307,6005,317
Average total loans$59,326,6005,299