Home > Bank of Montana > Performance and Condition Ratios

Bank of Montana, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4915%1,172
Cost of funding earning assets0.6131%4,049
Net interest margin4.8784%373
Noninterest income to average assets5.6100%120
Noninterest expense to average assets2.5779%2,076
Loan and lease loss provision to assets-0.0500%4,436
Net operating income to assets7.8415%48
Return on assets (ROA)7.8407%49
Pretax return on assets7.8407%59
Return on Equity (ROE)89.6600%17
Retained earnings to average equity (ytd only)28.7509%52
Net charge-offs to loans0.0000%2,917
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio24.8530%4,515
Assets per employee ($millions)27.6226%58
Cash dividends to net income (ytd only)*67.9316%909
Condition Ratios (%)
Loss allowance to loans0.6052%4,234
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets30.1600%4,284
Net loans and leases to deposits33.1732%4,321
Net loans and leases to core deposits34.3474%4,360
Total domestic deposits to total assets90.9200%530
Equity capital to assets8.8811%2,762
Core capital (leverage) ratio9.6601%3,116
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.6404%263
Memoranda:
Average total assets$273,902,6002,561
Average earning assets$267,651,0002,476
Average equity$23,954,0002,576
Average total loans$95,324,0003,224
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3682%1,185
Cost of funding earning assets0.5559%4,049
Net interest margin4.8123%405
Noninterest income to average assets7.2600%104
Noninterest expense to average assets1.2677%4,459
Loan and lease loss provision to assets0.0100%2,772
Net operating income to assets10.6818%43
Return on assets (ROA)10.6803%43
Pretax return on assets10.6803%48
Return on Equity (ROE)122.6700%13
Retained earnings to average equity (ytd only)38.8099%51
Net charge-offs to loans0.0000%2,666
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio10.6001%4,575
Assets per employee ($millions)21.9605%80
Cash dividends to net income (ytd only)*68.3614%700
Condition Ratios (%)
Loss allowance to loans0.7440%4,081
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets38.9400%4,095
Net loans and leases to deposits43.8669%4,107
Net loans and leases to core deposits45.6691%4,139
Total domestic deposits to total assets88.7600%1,328
Equity capital to assets11.1150%1,302
Core capital (leverage) ratio10.7231%2,207
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio29.1458%284
Memoranda:
Average total assets$266,416,0002,596
Average earning assets$259,995,7502,525
Average equity$23,196,2502,609
Average total loans$96,104,5003,222
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1672%1,266
Cost of funding earning assets0.4579%4,066
Net interest margin4.7093%451
Noninterest income to average assets9.9400%91
Noninterest expense to average assets1.2668%4,488
Loan and lease loss provision to assets0.0500%1,895
Net operating income to assets13.2355%36
Return on assets (ROA)13.2355%36
Pretax return on assets13.2355%42
Return on Equity (ROE)165.4300%11
Retained earnings to average equity (ytd only)36.8181%56
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio8.7070%4,601
Assets per employee ($millions)23.6122%71
Cash dividends to net income (ytd only)*77.7436%593
Condition Ratios (%)
Loss allowance to loans0.7897%4,049
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets36.3300%4,165
Net loans and leases to deposits40.2939%4,207
Net loans and leases to core deposits41.5401%4,228
Total domestic deposits to total assets90.1500%885
Equity capital to assets9.2957%2,315
Core capital (leverage) ratio9.8330%2,923
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.3634%338
Memoranda:
Average total assets$274,699,6672,557
Average earning assets$268,615,6672,483
Average equity$21,978,3332,698
Average total loans$96,552,3333,214
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9276%1,368
Cost of funding earning assets0.3780%4,016
Net interest margin4.5495%544
Noninterest income to average assets6.7200%110
Noninterest expense to average assets1.3055%4,535
Loan and lease loss provision to assets0.0700%1,437
Net operating income to assets9.7979%44
Return on assets (ROA)9.7965%45
Pretax return on assets9.7965%50
Return on Equity (ROE)132.3000%13
Retained earnings to average equity (ytd only)37.6158%72
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio11.6804%4,665
Assets per employee ($millions)26.2439%55
Cash dividends to net income (ytd only)*71.5671%767
Condition Ratios (%)
Loss allowance to loans0.7641%4,154
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets33.2000%4,292
Net loans and leases to deposits35.9589%4,328
Net loans and leases to core deposits36.7255%4,350
Total domestic deposits to total assets92.3300%436
Equity capital to assets7.6430%3,481
Core capital (leverage) ratio7.6556%4,540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.1281%430
Memoranda:
Average total assets$282,182,5002,546
Average earning assets$276,161,0002,472
Average equity$20,895,5002,806
Average total loans$97,276,5003,239
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3912%3,364
Cost of funding earning assets0.2258%3,546
Net interest margin3.1653%2,969
Noninterest income to average assets2.1600%224
Noninterest expense to average assets1.8559%3,917
Loan and lease loss provision to assets0.0600%1,752
Net operating income to assets3.3138%96
Return on assets (ROA)3.3138%94
Pretax return on assets3.3138%108
Return on Equity (ROE)43.6600%44
Retained earnings to average equity (ytd only)20.2065%88
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio35.4638%4,608
Assets per employee ($millions)25.0620%63
Cash dividends to net income (ytd only)*53.7138%1,228
Condition Ratios (%)
Loss allowance to loans1.0799%2,989
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets35.1500%4,252
Net loans and leases to deposits37.9335%4,294
Net loans and leases to core deposits38.7604%4,312
Total domestic deposits to total assets92.6800%470
Equity capital to assets7.1557%3,579
Core capital (leverage) ratio7.4770%4,578
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.6763%570
Memoranda:
Average total assets$233,207,6002,833
Average earning assets$226,264,6002,761
Average equity$17,702,2003,149
Average total loans$94,160,0003,230
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9149%4,040
Cost of funding earning assets0.1937%3,350
Net interest margin2.7211%3,887
Noninterest income to average assets2.2100%239
Noninterest expense to average assets1.3435%4,554
Loan and lease loss provision to assets0.0600%1,588
Net operating income to assets3.4376%93
Return on assets (ROA)3.4382%89
Pretax return on assets3.4382%109
Return on Equity (ROE)44.5100%38
Retained earnings to average equity (ytd only)12.3204%724
Net charge-offs to loans0.0000%2,349
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio27.7496%4,702
Assets per employee ($millions)20.4605%97
Cash dividends to net income (ytd only)*72.3171%568
Condition Ratios (%)
Loss allowance to loans1.0664%3,168
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets38.1600%4,143
Net loans and leases to deposits41.1901%4,203
Net loans and leases to core deposits42.0882%4,222
Total domestic deposits to total assets92.6500%671
Equity capital to assets7.2257%3,388
Core capital (leverage) ratio7.3973%4,601
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2830%705
Memoranda:
Average total assets$222,589,0002,902
Average earning assets$215,397,0002,841
Average equity$17,196,0003,224
Average total loans$93,206,5003,253
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5993%4,272
Cost of funding earning assets0.2036%2,866
Net interest margin2.3958%4,232
Noninterest income to average assets2.7775%164
Noninterest expense to average assets1.3976%4,531
Loan and lease loss provision to assets0.0614%1,493
Net operating income to assets3.6289%51
Return on assets (ROA)3.6298%50
Pretax return on assets3.6298%66
Return on Equity (ROE)45.8555%17
Retained earnings to average equity (ytd only)10.9202%793
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio27.4689%4,729
Assets per employee ($millions)20.1199%100
Cash dividends to net income (ytd only)*76.1856%681
Condition Ratios (%)
Loss allowance to loans1.0653%3,298
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets40.9124%4,035
Net loans and leases to deposits44.4248%4,094
Net loans and leases to core deposits45.4903%4,140
Total domestic deposits to total assets92.0938%799
Equity capital to assets7.7174%3,333
Core capital (leverage) ratio7.7873%4,440
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6447%647
Memoranda:
Average total assets$214,943,3332,988
Average earning assets$207,283,0002,935
Average equity$17,014,3333,322
Average total loans$92,704,3333,291
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2827%4,467
Cost of funding earning assets0.2346%2,329
Net interest margin2.0481%4,482
Noninterest income to average assets4.0235%122
Noninterest expense to average assets1.4847%4,446
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets4.5014%44
Return on assets (ROA)4.5033%42
Pretax return on assets4.5033%52
Return on Equity (ROE)56.1552%16
Retained earnings to average equity (ytd only)39.1485%18
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio24.8028%4,765
Assets per employee ($millions)17.8017%134
Cash dividends to net income (ytd only)*30.2852%1,750
Condition Ratios (%)
Loss allowance to loans0.9719%3,827
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets43.3583%3,788
Net loans and leases to deposits47.5243%3,902
Net loans and leases to core deposits49.1692%3,918
Total domestic deposits to total assets91.2340%919
Equity capital to assets8.3386%3,291
Core capital (leverage) ratio8.2882%4,084
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.7762%508
Memoranda:
Average total assets$211,755,5003,028
Average earning assets$202,920,0002,987
Average equity$16,981,5003,396
Average total loans$93,295,5003,281
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1461%3,594
Cost of funding earning assets0.2809%2,592
Net interest margin2.8652%3,523
Noninterest income to average assets2.0387%309
Noninterest expense to average assets2.2672%2,891
Loan and lease loss provision to assets0.0244%2,574
Net operating income to assets2.5122%157
Return on assets (ROA)2.5127%160
Pretax return on assets2.5127%249
Return on Equity (ROE)28.4620%81
Retained earnings to average equity (ytd only)8.4465%1,367
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.1959%4,448
Assets per employee ($millions)17.4909%144
Cash dividends to net income (ytd only)*70.3235%728
Condition Ratios (%)
Loss allowance to loans0.9768%3,840
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets43.9042%3,844
Net loans and leases to deposits47.8669%4,004
Net loans and leases to core deposits49.6281%4,026
Total domestic deposits to total assets91.7214%264
Equity capital to assets7.6945%4,503
Core capital (leverage) ratio8.7974%3,623
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.9310%658
Memoranda:
Average total assets$175,944,4003,241
Average earning assets$169,798,0003,190
Average equity$15,533,0003,583
Average total loans$90,211,4003,334
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3446%3,265
Cost of funding earning assets0.3005%2,588
Net interest margin3.0442%3,194
Noninterest income to average assets2.0574%330
Noninterest expense to average assets1.7867%4,194
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets3.2310%100
Return on assets (ROA)3.2318%101
Pretax return on assets3.2318%140
Return on Equity (ROE)35.1905%58
Retained earnings to average equity (ytd only)8.2363%1,978
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.6077%4,819
Assets per employee ($millions)14.5402%223
Cash dividends to net income (ytd only)*76.5952%447
Condition Ratios (%)
Loss allowance to loans0.9790%3,918
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets50.2006%3,395
Net loans and leases to deposits55.7464%3,599
Net loans and leases to core deposits58.6910%3,574
Total domestic deposits to total assets90.0517%754
Equity capital to assets9.0491%3,780
Core capital (leverage) ratio9.9093%2,609
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.8561%543
Memoranda:
Average total assets$167,457,7503,359
Average earning assets$162,843,2503,279
Average equity$15,378,7503,640
Average total loans$89,499,2503,384
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1878%3,695
Cost of funding earning assets0.3189%2,596
Net interest margin2.8689%3,639
Noninterest income to average assets2.1984%294
Noninterest expense to average assets1.8702%4,040
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets3.1178%111
Return on assets (ROA)3.1190%116
Pretax return on assets3.1190%164
Return on Equity (ROE)33.7882%70
Retained earnings to average equity (ytd only)3.3985%3,719
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.4939%4,808
Assets per employee ($millions)13.4940%257
Cash dividends to net income (ytd only)*89.9417%366
Condition Ratios (%)
Loss allowance to loans0.9579%3,973
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets55.2956%2,980
Net loans and leases to deposits61.5004%3,251
Net loans and leases to core deposits66.6411%3,057
Total domestic deposits to total assets89.9109%821
Equity capital to assets9.3239%3,491
Core capital (leverage) ratio9.4559%2,952
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.3323%663
Memoranda:
Average total assets$165,116,3333,384
Average earning assets$160,547,3333,301
Average equity$15,242,0003,654
Average total loans$89,846,6673,401
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1337%3,819
Cost of funding earning assets0.3468%2,547
Net interest margin2.7869%3,794
Noninterest income to average assets2.2722%302
Noninterest expense to average assets1.6916%4,393
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets3.2991%122
Return on assets (ROA)3.3015%133
Pretax return on assets3.3015%170
Return on Equity (ROE)35.9410%80
Retained earnings to average equity (ytd only)24.8139%144
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.8942%4,876
Assets per employee ($millions)13.9998%237
Cash dividends to net income (ytd only)*30.9593%1,685
Condition Ratios (%)
Loss allowance to loans0.9909%3,875
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets51.5039%3,493
Net loans and leases to deposits57.3758%3,686
Net loans and leases to core deposits60.9344%3,645
Total domestic deposits to total assets89.7659%923
Equity capital to assets9.3984%3,291
Core capital (leverage) ratio9.2661%3,306
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9248%457
Memoranda:
Average total assets$166,710,5003,369
Average earning assets$162,620,0003,286
Average equity$15,314,0003,658
Average total loans$89,567,5003,414
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9887%2,768
Cost of funding earning assets0.6205%2,177
Net interest margin3.3681%2,872
Noninterest income to average assets2.3419%266
Noninterest expense to average assets2.4470%3,002
Loan and lease loss provision to assets0.0368%3,951
Net operating income to assets3.0958%89
Return on assets (ROA)3.0965%91
Pretax return on assets3.0965%116
Return on Equity (ROE)34.1233%49
Retained earnings to average equity (ytd only)13.4872%217
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.8571%4,793
Assets per employee ($millions)16.5424%138
Cash dividends to net income (ytd only)*60.4751%1,342
Condition Ratios (%)
Loss allowance to loans0.9439%4,062
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets54.9364%3,397
Net loans and leases to deposits62.9136%3,525
Net loans and leases to core deposits66.6481%3,491
Total domestic deposits to total assets87.3205%1,785
Equity capital to assets8.9703%4,081
Core capital (leverage) ratio8.6997%4,007
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.1356%572
Memoranda:
Average total assets$135,960,2003,558
Average earning assets$130,695,2003,492
Average equity$12,337,6003,940
Average total loans$88,876,8003,417
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2226%2,330
Cost of funding earning assets0.7096%1,971
Net interest margin3.5131%2,551
Noninterest income to average assets2.4479%244
Noninterest expense to average assets1.8684%4,385
Loan and lease loss provision to assets0.0521%3,705
Net operating income to assets3.8902%56
Return on assets (ROA)3.8912%57
Pretax return on assets3.8912%73
Return on Equity (ROE)42.7234%31
Retained earnings to average equity (ytd only)13.7403%267
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.1556%4,984
Assets per employee ($millions)18.0340%110
Cash dividends to net income (ytd only)*67.8391%879
Condition Ratios (%)
Loss allowance to loans0.9120%4,033
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets57.9677%3,417
Net loans and leases to deposits65.4463%3,664
Net loans and leases to core deposits69.0989%3,692
Total domestic deposits to total assets88.5728%948
Equity capital to assets7.6282%4,828
Core capital (leverage) ratio8.7241%4,044
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6714%953
Memoranda:
Average total assets$128,594,2503,632
Average earning assets$123,079,2503,578
Average equity$11,712,2504,011
Average total loans$88,160,0003,449
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4709%2,005
Cost of funding earning assets0.8487%1,607
Net interest margin3.6222%2,410
Noninterest income to average assets2.7874%182
Noninterest expense to average assets2.1353%3,960
Loan and lease loss provision to assets0.0851%3,217
Net operating income to assets4.0406%46
Return on assets (ROA)4.0389%46
Pretax return on assets4.0389%61
Return on Equity (ROE)40.9354%30
Retained earnings to average equity (ytd only)14.2894%260
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.1039%4,992
Assets per employee ($millions)15.0607%168
Cash dividends to net income (ytd only)*65.0927%1,082
Condition Ratios (%)
Loss allowance to loans0.8917%4,029
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets71.0069%1,872
Net loans and leases to deposits81.4293%2,265
Net loans and leases to core deposits87.0092%2,351
Total domestic deposits to total assets87.2007%1,546
Equity capital to assets8.8553%4,207
Core capital (leverage) ratio9.2786%3,606
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9077%1,071
Memoranda:
Average total assets$117,456,6673,756
Average earning assets$112,638,6673,701
Average equity$11,589,0004,034
Average total loans$85,996,0003,482
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9985%973
Cost of funding earning assets0.9827%1,502
Net interest margin4.0158%1,349
Noninterest income to average assets1.1253%687
Noninterest expense to average assets2.2433%3,904
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.7119%90
Return on assets (ROA)2.7119%92
Pretax return on assets2.7119%125
Return on Equity (ROE)25.8303%55
Retained earnings to average equity (ytd only)14.5493%218
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.2718%4,851
Assets per employee ($millions)12.0284%236
Cash dividends to net income (ytd only)*43.6735%1,792
Condition Ratios (%)
Loss allowance to loans1.0091%3,655
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets66.5492%2,755
Net loans and leases to deposits81.7392%2,488
Net loans and leases to core deposits90.9874%2,253
Total domestic deposits to total assets81.4165%3,569
Equity capital to assets9.6347%4,095
Core capital (leverage) ratio11.5804%2,008
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$108,412,0003,866
Average earning assets$103,392,0003,830
Average equity$11,382,0004,084
Average total loans$80,437,5003,573
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8384%302
Cost of funding earning assets1.0463%1,529
Net interest margin4.7921%403
Noninterest income to average assets1.1852%674
Noninterest expense to average assets3.2774%1,342
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets2.3345%176
Return on assets (ROA)2.3345%186
Pretax return on assets2.3345%282
Return on Equity (ROE)19.1702%260
Retained earnings to average equity (ytd only)5.4233%2,213
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4016%3,924
Assets per employee ($millions)12.0675%218
Cash dividends to net income (ytd only)*71.7099%1,066
Condition Ratios (%)
Loss allowance to loans1.0199%3,386
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets82.0334%553
Net loans and leases to deposits93.3650%1,214
Net loans and leases to core deposits105.7273%1,121
Total domestic deposits to total assets87.8631%1,191
Equity capital to assets11.5755%2,465
Core capital (leverage) ratio11.8879%1,851
Tier 1 risk-based capital ratio15.2791%2,667
Total risk-based capital ratio16.3948%2,651
Memoranda:
Average total assets$89,185,6004,157
Average earning assets$82,386,2004,149
Average equity$10,860,6004,141
Average total loans$72,468,4003,725
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9647%256
Cost of funding earning assets1.0379%1,592
Net interest margin4.9268%330
Noninterest income to average assets1.0578%821
Noninterest expense to average assets2.8605%2,375
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets2.6896%120
Return on assets (ROA)2.6896%126
Pretax return on assets2.6896%171
Return on Equity (ROE)21.7888%172
Retained earnings to average equity (ytd only)5.7997%2,459
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.5402%4,636
Assets per employee ($millions)10.4486%309
Cash dividends to net income (ytd only)*73.3828%850
Condition Ratios (%)
Loss allowance to loans1.0875%3,094
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 assets78.9243%999
Net loans and leases to deposits90.0463%1,687
Net loans and leases to core deposits101.8569%1,513
Total domestic deposits to total assets87.6485%1,193
Equity capital to assets11.7560%2,449
Core capital (leverage) ratio12.4822%1,579
Tier 1 risk-based capital ratio16.0176%2,419
Total risk-based capital ratio17.1999%2,389
Memoranda:
Average total assets$87,347,0004,232
Average earning assets$79,644,0004,246
Average equity$10,782,0004,187
Average total loans$70,582,7503,808
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9774%243
Cost of funding earning assets1.0263%1,578
Net interest margin4.9511%317
Noninterest income to average assets0.9352%990
Noninterest expense to average assets2.9982%2,013
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.3920%178
Return on assets (ROA)2.3920%183
Pretax return on assets2.3920%289
Return on Equity (ROE)19.0441%312
Retained earnings to average equity (ytd only)2.8248%3,796
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6234%4,290
Assets per employee ($millions)8.4595%568
Cash dividends to net income (ytd only)*85.1670%714
Condition Ratios (%)
Loss allowance to loans1.1288%2,910
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 assets84.4896%323
Net loans and leases to deposits100.6378%631
Net loans and leases to core deposits116.2538%674
Total domestic deposits to total assets83.9541%2,889
Equity capital to assets12.6934%1,749
Core capital (leverage) ratio12.8858%1,361
Tier 1 risk-based capital ratio15.9980%2,411
Total risk-based capital ratio17.2137%2,374
Memoranda:
Average total assets$85,117,0004,296
Average earning assets$76,588,3304,318
Average equity$10,691,0004,214
Average total loans$69,099,0003,854
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0690%198
Cost of funding earning assets1.0142%1,507
Net interest margin5.0549%263
Noninterest income to average assets0.9698%879
Noninterest expense to average assets3.1671%1,583
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.2629%236
Return on assets (ROA)2.2629%246
Pretax return on assets2.2629%385
Return on Equity (ROE)18.1111%388
Retained earnings to average equity (ytd only)6.1120%2,411
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3261%4,036
Assets per employee ($millions)9.3562%418
Cash dividends to net income (ytd only)*66.2526%1,199
Condition Ratios (%)
Loss allowance to loans1.1703%2,740
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 assets81.8350%606
Net loans and leases to deposits94.6384%1,093
Net loans and leases to core deposits109.2145%972
Total domestic deposits to total assets86.4713%2,089
Equity capital to assets12.7651%1,588
Core capital (leverage) ratio12.7786%1,366
Tier 1 risk-based capital ratio16.6592%2,210
Total risk-based capital ratio17.9099%2,164
Memoranda:
Average total assets$85,378,0004,335
Average earning assets$75,333,5004,383
Average equity$10,667,5004,244
Average total loans$67,503,5003,933
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1696%131
Cost of funding earning assets0.9091%1,055
Net interest margin5.2605%172
Noninterest income to average assets2.7876%167
Noninterest expense to average assets3.6395%831
Loan and lease loss provision to assets0.0129%3,885
Net operating income to assets3.9227%49
Return on assets (ROA)3.9227%48
Pretax return on assets3.9227%57
Return on Equity (ROE)35.3900%19
Retained earnings to average equity (ytd only)13.5352%193
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.0457%5,043
Assets per employee ($millions)9.6167%381
Cash dividends to net income (ytd only)*61.7542%1,418
Condition Ratios (%)
Loss allowance to loans1.2500%2,297
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 assets74.4830%1,846
Net loans and leases to deposits85.2193%2,383
Net loans and leases to core deposits95.1148%2,125
Total domestic deposits to total assets87.4015%1,584
Equity capital to assets12.2311%1,741
Core capital (leverage) ratio12.5569%1,430
Tier 1 risk-based capital ratio17.7531%1,827
Total risk-based capital ratio19.0042%1,781
Memoranda:
Average total assets$85,451,2004,334
Average earning assets$77,768,2004,354
Average equity$9,471,6004,386
Average total loans$69,220,8003,885
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8625%192
Cost of funding earning assets0.8740%1,022
Net interest margin4.9885%271
Noninterest income to average assets3.2277%150
Noninterest expense to average assets3.2903%1,319
Loan and lease loss provision to assets0.0172%3,669
Net operating income to assets4.5661%42
Return on assets (ROA)4.5661%42
Pretax return on assets4.5661%51
Return on Equity (ROE)42.3065%15
Retained earnings to average equity (ytd only)16.6355%116
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.7893%5,276
Assets per employee ($millions)12.3564%178
Cash dividends to net income (ytd only)*60.6787%1,176
Condition Ratios (%)
Loss allowance to loans1.1477%2,920
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 assets81.2544%838
Net loans and leases to deposits93.0837%1,497
Net loans and leases to core deposits102.0088%1,612
Total domestic deposits to total assets87.2918%1,600
Equity capital to assets12.0828%1,847
Core capital (leverage) ratio12.7352%1,402
Tier 1 risk-based capital ratio17.0456%2,091
Total risk-based capital ratio18.2966%2,032
Memoranda:
Average total assets$85,176,5004,388
Average earning assets$79,327,0004,375
Average equity$9,193,0004,477
Average total loans$70,205,7503,905
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4110%376
Cost of funding earning assets0.8656%850
Net interest margin4.5454%632
Noninterest income to average assets2.0652%263
Noninterest expense to average assets3.1108%1,758
Loan and lease loss provision to assets0.0260%3,397
Net operating income to assets3.1674%72
Return on assets (ROA)3.1674%72
Pretax return on assets3.1674%92
Return on Equity (ROE)30.5915%36
Retained earnings to average equity (ytd only)17.7121%103
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.3448%5,058
Assets per employee ($millions)10.8706%249
Cash dividends to net income (ytd only)*42.1013%2,028
Condition Ratios (%)
Loss allowance to loans1.1022%3,244
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 assets84.1936%442
Net loans and leases to deposits96.1851%1,117
Net loans and leases to core deposits102.7347%1,509
Total domestic deposits to total assets87.5329%1,628
Equity capital to assets10.4410%3,173
Core capital (leverage) ratio10.7763%2,731
Tier 1 risk-based capital ratio14.1363%3,294
Total risk-based capital ratio15.3864%3,211
Memoranda:
Average total assets$84,737,0004,435
Average earning assets$79,024,6704,421
Average equity$8,773,6704,568
Average total loans$69,908,6703,939
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1614%532
Cost of funding earning assets0.8104%910
Net interest margin4.3509%853
Noninterest income to average assets2.1525%249
Noninterest expense to average assets3.1809%1,609
Loan and lease loss provision to assets0.0526%2,722
Net operating income to assets3.0279%82
Return on assets (ROA)3.0279%83
Pretax return on assets3.0279%111
Return on Equity (ROE)29.3718%47
Retained earnings to average equity (ytd only)29.3718%20
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8021%5,038
Assets per employee ($millions)7.6796%713
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1543%3,071
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 assets82.7194%570
Net loans and leases to deposits93.0367%1,326
Net loans and leases to core deposits99.4549%1,725
Total domestic deposits to total assets88.9105%1,140
Equity capital to assets10.5793%2,996
Core capital (leverage) ratio10.9784%2,459
Tier 1 risk-based capital ratio14.6276%3,060
Total risk-based capital ratio15.8780%2,967
Memoranda:
Average total assets$83,623,0004,505
Average earning assets$78,971,5004,465
Average equity$8,620,5004,638
Average total loans$67,845,5004,013
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9884%661
Cost of funding earning assets0.6566%1,264
Net interest margin4.3318%905
Noninterest income to average assets4.6219%115
Noninterest expense to average assets3.8269%674
Loan and lease loss provision to assets0.1946%1,076
Net operating income to assets4.6722%35
Return on assets (ROA)4.6722%35
Pretax return on assets4.6722%53
Return on Equity (ROE)46.6523%12
Retained earnings to average equity (ytd only)19.7880%42
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.0196%5,449
Assets per employee ($millions)7.5245%754
Cash dividends to net income (ytd only)*57.5841%1,875
Condition Ratios (%)
Loss allowance to loans1.2370%2,553
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 assets77.5559%1,344
Net loans and leases to deposits87.6140%2,061
Net loans and leases to core deposits93.8138%2,212
Total domestic deposits to total assets88.5200%1,243
Equity capital to assets10.0326%3,673
Core capital (leverage) ratio10.6106%2,728
Tier 1 risk-based capital ratio14.3501%3,171
Total risk-based capital ratio15.6013%3,077
Memoranda:
Average total assets$77,608,6004,633
Average earning assets$72,949,0004,599
Average equity$7,772,4004,816
Average total loans$58,901,0004,225
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8618%823
Cost of funding earning assets0.6522%1,223
Net interest margin4.2096%1,133
Noninterest income to average assets5.0262%112
Noninterest expense to average assets3.2565%1,443
Loan and lease loss provision to assets0.2638%635
Net operating income to assets5.4525%35
Return on assets (ROA)5.4525%34
Pretax return on assets5.4525%47
Return on Equity (ROE)54.4699%9
Retained earnings to average equity (ytd only)25.4810%24
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.2928%5,635
Assets per employee ($millions)7.1777%877
Cash dividends to net income (ytd only)*53.2201%1,614
Condition Ratios (%)
Loss allowance to loans1.2518%2,629
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 assets80.3268%937
Net loans and leases to deposits90.4555%1,750
Net loans and leases to core deposits97.5603%1,922
Total domestic deposits to total assets88.8025%969
Equity capital to assets10.4186%3,454
Core capital (leverage) ratio10.1257%3,413
Tier 1 risk-based capital ratio14.9561%2,937
Total risk-based capital ratio16.2088%2,862
Memoranda:
Average total assets$76,318,2504,707
Average earning assets$71,549,0004,683
Average equity$7,639,5004,883
Average total loans$57,377,0004,298
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5594%1,358
Cost of funding earning assets0.6117%1,379
Net interest margin3.9477%1,785
Noninterest income to average assets5.1485%112
Noninterest expense to average assets3.2317%1,514
Loan and lease loss provision to assets0.3261%452
Net operating income to assets5.2864%38
Return on assets (ROA)5.2864%38
Pretax return on assets5.2864%48
Return on Equity (ROE)53.5733%11
Retained earnings to average equity (ytd only)26.7329%27
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.5408%5,686
Assets per employee ($millions)7.0088%932
Cash dividends to net income (ytd only)*50.1003%1,866
Condition Ratios (%)
Loss allowance to loans1.2851%2,488
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets70.9661%2,383
Net loans and leases to deposits78.5156%3,065
Net loans and leases to core deposits83.8734%3,084
Total domestic deposits to total assets90.3846%400
Equity capital to assets9.2278%4,697
Core capital (leverage) ratio10.0284%3,502
Tier 1 risk-based capital ratio14.1557%3,336
Total risk-based capital ratio15.4069%3,255
Memoranda:
Average total assets$75,439,3304,756
Average earning assets$70,623,3304,735
Average equity$7,444,0004,937
Average total loans$55,094,0004,385
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5584%1,238
Cost of funding earning assets0.5494%1,717
Net interest margin4.0090%1,450
Noninterest income to average assets9.9063%59
Noninterest expense to average assets3.5496%975
Loan and lease loss provision to assets0.1800%967
Net operating income to assets9.9119%17
Return on assets (ROA)9.9119%17
Pretax return on assets9.9119%23
Return on Equity (ROE)96.7401%5
Retained earnings to average equity (ytd only)57.0448%9
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio26.0206%5,816
Assets per employee ($millions)7.1827%867
Cash dividends to net income (ytd only)*41.0329%1,970
Condition Ratios (%)
Loss allowance to loans1.2687%2,694
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets74.2144%1,699
Net loans and leases to deposits83.8408%2,302
Net loans and leases to core deposits91.1759%2,243
Total domestic deposits to total assets88.5182%1,413
Equity capital to assets10.8664%2,783
Core capital (leverage) ratio11.2044%2,181
Tier 1 risk-based capital ratio15.8664%2,602
Total risk-based capital ratio17.1186%2,549
Memoranda:
Average total assets$71,106,5004,896
Average earning assets$66,251,5004,874
Average equity$7,285,5005,008
Average total loans$52,409,5004,499
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6073%1,265
Cost of funding earning assets0.5491%1,700
Net interest margin4.0582%1,473
Noninterest income to average assets3.9649%145
Noninterest expense to average assets3.5664%1,056
Loan and lease loss provision to assets0.0726%2,903
Net operating income to assets4.1052%46
Return on assets (ROA)4.1052%47
Pretax return on assets4.1052%59
Return on Equity (ROE)38.1582%15
Retained earnings to average equity (ytd only)-6.1173%5,711
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.0529%5,641
Assets per employee ($millions)7.8207%650
Cash dividends to net income (ytd only)*116.0314%247
Condition Ratios (%)
Loss allowance to loans1.2867%2,616
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets71.2841%2,283
Net loans and leases to deposits79.5680%2,933
Net loans and leases to core deposits86.5860%2,804
Total domestic deposits to total assets89.5888%828
Equity capital to assets9.6127%4,157
Core capital (leverage) ratio10.4719%2,905
Tier 1 risk-based capital ratio14.1779%3,362
Total risk-based capital ratio15.4289%3,287
Memoranda:
Average total assets$61,994,6005,090
Average earning assets$57,734,6005,081
Average equity$6,669,6005,157
Average total loans$47,455,8004,652
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5708%1,355
Cost of funding earning assets0.5538%1,655
Net interest margin4.0170%1,604
Noninterest income to average assets3.7708%158
Noninterest expense to average assets2.8025%3,003
Loan and lease loss provision to assets0.0423%3,389
Net operating income to assets4.6880%40
Return on assets (ROA)4.6880%41
Pretax return on assets4.6880%57
Return on Equity (ROE)42.2531%17
Retained earnings to average equity (ytd only)-13.9840%5,886
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.2045%5,877
Assets per employee ($millions)7.0003%891
Cash dividends to net income (ytd only)*133.0959%167
Condition Ratios (%)
Loss allowance to loans1.2690%2,847
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets77.5519%1,279
Net loans and leases to deposits87.0479%2,134
Net loans and leases to core deposits95.7626%2,019
Total domestic deposits to total assets89.0910%858
Equity capital to assets10.2836%3,822
Core capital (leverage) ratio10.9570%2,496
Tier 1 risk-based capital ratio14.8400%3,130
Total risk-based capital ratio16.0929%3,063
Memoranda:
Average total assets$59,896,7505,189
Average earning assets$56,093,7505,170
Average equity$6,645,5005,209
Average total loans$46,612,7504,715
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5671%1,338
Cost of funding earning assets0.5508%1,694
Net interest margin4.0163%1,593
Noninterest income to average assets4.5565%138
Noninterest expense to average assets2.7964%3,041
Loan and lease loss provision to assets0.0646%2,851
Net operating income to assets5.4365%31
Return on assets (ROA)5.4365%31
Pretax return on assets5.4365%48
Return on Equity (ROE)47.7541%12
Retained earnings to average equity (ytd only)-25.2500%5,993
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.7019%5,988
Assets per employee ($millions)7.0488%857
Cash dividends to net income (ytd only)*152.8750%199
Condition Ratios (%)
Loss allowance to loans1.3787%2,388
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets79.6648%960
Net loans and leases to deposits90.3175%1,717
Net loans and leases to core deposits100.6475%1,590
Total domestic deposits to total assets88.2054%1,319
Equity capital to assets11.2218%2,824
Core capital (leverage) ratio10.8792%2,556
Tier 1 risk-based capital ratio15.1787%2,992
Total risk-based capital ratio16.4308%2,926
Memoranda:
Average total assets$58,861,3305,267
Average earning assets$54,826,3305,255
Average equity$6,701,0005,247
Average total loans$45,654,3304,781
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4168%1,757
Cost of funding earning assets0.5352%1,825
Net interest margin3.8817%1,990
Noninterest income to average assets4.9653%119
Noninterest expense to average assets2.6757%3,510
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets5.9104%35
Return on assets (ROA)5.9104%34
Pretax return on assets5.9104%41
Return on Equity (ROE)51.5717%18
Retained earnings to average equity (ytd only)-33.4519%6,038
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.1628%6,065
Assets per employee ($millions)6.4603%1,130
Cash dividends to net income (ytd only)*164.8649%334
Condition Ratios (%)
Loss allowance to loans1.3550%2,627
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets76.2534%1,351
Net loans and leases to deposits86.5904%2,004
Net loans and leases to core deposits96.1694%1,779
Total domestic deposits to total assets88.0622%1,606
Equity capital to assets11.3513%2,578
Core capital (leverage) ratio10.9649%2,436
Tier 1 risk-based capital ratio15.8292%2,769
Total risk-based capital ratio17.0812%2,697
Memoranda:
Average total assets$60,097,0005,287
Average earning assets$56,058,5005,266
Average equity$6,887,5005,250
Average total loans$45,706,0004,815
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2241%413
Cost of funding earning assets0.7507%637
Net interest margin4.4734%690
Noninterest income to average assets4.6360%138
Noninterest expense to average assets3.3033%1,709
Loan and lease loss provision to assets0.1011%2,299
Net operating income to assets5.2739%41
Return on assets (ROA)5.2739%40
Pretax return on assets5.2739%49
Return on Equity (ROE)45.4617%17
Retained earnings to average equity (ytd only)17.9217%78
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.0640%6,093
Assets per employee ($millions)8.8644%401
Cash dividends to net income (ytd only)*60.5786%1,711
Condition Ratios (%)
Loss allowance to loans1.3106%2,834
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets73.9037%1,751
Net loans and leases to deposits83.9721%2,367
Net loans and leases to core deposits92.0585%2,212
Total domestic deposits to total assets88.0099%1,622
Equity capital to assets11.5631%2,311
Core capital (leverage) ratio11.6682%1,837
Tier 1 risk-based capital ratio16.6180%2,418
Total risk-based capital ratio17.8710%2,378
Memoranda:
Average total assets$54,400,4005,447
Average earning assets$49,156,8005,458
Average equity$6,310,8005,375
Average total loans$41,399,8004,950
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7044%1,093
Cost of funding earning assets0.8016%492
Net interest margin3.9028%2,025
Noninterest income to average assets1.2041%833
Noninterest expense to average assets2.9593%2,640
Loan and lease loss provision to assets0.0381%3,444
Net operating income to assets1.6943%633
Return on assets (ROA)1.6943%654
Pretax return on assets1.6943%1,119
Return on Equity (ROE)14.5914%792
Retained earnings to average equity (ytd only)3.1939%4,189
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0753%4,391
Assets per employee ($millions)5.1898%2,076
Cash dividends to net income (ytd only)*78.1111%791
Condition Ratios (%)
Loss allowance to loans1.3929%2,632
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets77.6176%1,161
Net loans and leases to deposits92.7025%1,338
Net loans and leases to core deposits102.8704%1,313
Total domestic deposits to total assets83.7277%3,529
Equity capital to assets11.9272%2,158
Core capital (leverage) ratio11.8639%1,766
Tier 1 risk-based capital ratio14.9261%3,332
Total risk-based capital ratio16.1776%3,281
Memoranda:
Average total assets$52,487,7505,569
Average earning assets$46,905,0005,572
Average equity$6,094,7505,482
Average total loans$40,133,0005,057
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5674%1,355
Cost of funding earning assets0.7938%517
Net interest margin3.7736%2,427
Noninterest income to average assets1.1351%938
Noninterest expense to average assets2.9876%2,593
Loan and lease loss provision to assets0.0456%3,202
Net operating income to assets1.4767%939
Return on assets (ROA)1.4767%989
Pretax return on assets1.4767%1,710
Return on Equity (ROE)12.8319%1,149
Retained earnings to average equity (ytd only)-0.5278%5,613
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2458%3,964
Assets per employee ($millions)5.3247%1,906
Cash dividends to net income (ytd only)*104.1131%478
Condition Ratios (%)
Loss allowance to loans1.3926%2,799
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets75.2643%1,471
Net loans and leases to deposits89.0697%1,708
Net loans and leases to core deposits97.8609%1,664
Total domestic deposits to total assets84.5005%3,345
Equity capital to assets11.3208%2,558
Core capital (leverage) ratio11.7381%1,817
Tier 1 risk-based capital ratio15.1203%3,289
Total risk-based capital ratio16.3719%3,232
Memoranda:
Average total assets$52,684,3305,619
Average earning assets$47,117,0005,633
Average equity$6,063,0005,541
Average total loans$39,893,6705,112
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4641%1,574
Cost of funding earning assets0.8109%474
Net interest margin3.6532%2,800
Noninterest income to average assets1.3053%676
Noninterest expense to average assets2.9922%2,610
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.5801%734
Return on assets (ROA)1.5801%769
Pretax return on assets1.5801%1,318
Return on Equity (ROE)13.6173%954
Retained earnings to average equity (ytd only)4.8022%3,173
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4424%4,249
Assets per employee ($millions)5.2057%2,105
Cash dividends to net income (ytd only)*64.7343%1,303
Condition Ratios (%)
Loss allowance to loans1.4015%2,908
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets74.8699%1,377
Net loans and leases to deposits89.3287%1,455
Net loans and leases to core deposits99.8565%1,332
Total domestic deposits to total assets83.8139%3,883
Equity capital to assets11.7506%2,238
Core capital (leverage) ratio11.6708%1,873
Tier 1 risk-based capital ratio15.4509%3,174
Total risk-based capital ratio16.7012%3,111
Memoranda:
Average total assets$52,403,0005,677
Average earning assets$46,863,0005,683
Average equity$6,080,5005,579
Average total loans$39,519,5005,153
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0666%683
Cost of funding earning assets0.8856%419
Net interest margin4.1810%1,356
Noninterest income to average assets1.6803%451
Noninterest expense to average assets3.2100%2,183
Loan and lease loss provision to assets0.1160%2,237
Net operating income to assets2.0708%290
Return on assets (ROA)2.0708%295
Pretax return on assets2.0708%442
Return on Equity (ROE)17.2087%473
Retained earnings to average equity (ytd only)4.9192%2,660
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4798%5,290
Assets per employee ($millions)5.2749%1,991
Cash dividends to net income (ytd only)*71.4145%1,236
Condition Ratios (%)
Loss allowance to loans1.4022%2,940
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets73.8516%1,610
Net loans and leases to deposits87.5337%1,787
Net loans and leases to core deposits97.6145%1,580
Total domestic deposits to total assets84.3694%3,567
Equity capital to assets11.4580%2,469
Core capital (leverage) ratio12.1137%1,557
Tier 1 risk-based capital ratio15.5721%3,196
Total risk-based capital ratio16.8243%3,124
Memoranda:
Average total assets$49,158,6005,806
Average earning assets$43,698,0005,832
Average equity$5,915,6005,638
Average total loans$36,772,6005,298
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1055%637
Cost of funding earning assets0.9195%370
Net interest margin4.1860%1,329
Noninterest income to average assets1.9228%370
Noninterest expense to average assets3.2323%2,083
Loan and lease loss provision to assets0.0359%3,688
Net operating income to assets2.3648%175
Return on assets (ROA)2.3648%179
Pretax return on assets2.3648%275
Return on Equity (ROE)19.3983%318
Retained earnings to average equity (ytd only)5.1896%2,964
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.3811%5,526
Assets per employee ($millions)4.6752%2,705
Cash dividends to net income (ytd only)*73.2481%916
Condition Ratios (%)
Loss allowance to loans1.3996%3,180
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets76.8502%1,118
Net loans and leases to deposits93.4386%1,084
Net loans and leases to core deposits106.1073%953
Total domestic deposits to total assets82.2467%4,399
Equity capital to assets12.7952%1,528
Core capital (leverage) ratio12.2154%1,566
Tier 1 risk-based capital ratio16.4327%2,843
Total risk-based capital ratio17.6854%2,793
Memoranda:
Average total assets$48,261,0005,896
Average earning assets$42,776,2505,925
Average equity$5,883,5005,699
Average total loans$36,088,2505,376
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9606%801
Cost of funding earning assets0.9145%397
Net interest margin4.0461%1,671
Noninterest income to average assets2.3009%280
Noninterest expense to average assets3.3139%1,886
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets2.5798%125
Return on assets (ROA)2.5798%129
Pretax return on assets2.5798%185
Return on Equity (ROE)21.5018%221
Retained earnings to average equity (ytd only)5.6062%2,575
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2283%5,724
Assets per employee ($millions)4.7237%2,578
Cash dividends to net income (ytd only)*73.9269%1,067
Condition Ratios (%)
Loss allowance to loans1.4318%3,183
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets65.8455%2,771
Net loans and leases to deposits83.4773%2,087
Net loans and leases to core deposits95.7919%1,620
Total domestic deposits to total assets78.8784%5,486
Equity capital to assets11.3874%2,520
Core capital (leverage) ratio12.3338%1,481
Tier 1 risk-based capital ratio17.2568%2,514
Total risk-based capital ratio18.5079%2,474
Memoranda:
Average total assets$48,764,0005,930
Average earning assets$43,301,3305,968
Average equity$5,850,6705,749
Average total loans$35,971,3305,420
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7412%1,164
Cost of funding earning assets0.9158%414
Net interest margin3.8254%2,365
Noninterest income to average assets2.1032%307
Noninterest expense to average assets3.6128%1,286
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.8912%399
Return on assets (ROA)1.8912%421
Pretax return on assets1.8912%662
Return on Equity (ROE)15.3330%728
Retained earnings to average equity (ytd only)8.8698%1,291
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6394%4,588
Assets per employee ($millions)4.9161%2,356
Cash dividends to net income (ytd only)*42.1525%1,923
Condition Ratios (%)
Loss allowance to loans1.3647%3,768
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,361
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets73.0701%1,418
Net loans and leases to deposits87.5634%1,411
Net loans and leases to core deposits100.6444%1,061
Total domestic deposits to total assets83.4483%4,467
Equity capital to assets11.9648%1,894
Core capital (leverage) ratio12.7206%1,287
Tier 1 risk-based capital ratio16.9261%2,725
Total risk-based capital ratio18.1779%2,677
Memoranda:
Average total assets$47,165,5006,036
Average earning assets$41,930,0006,057
Average equity$5,817,5005,796
Average total loans$36,601,5005,443
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2164%615
Cost of funding earning assets0.9638%542
Net interest margin4.2526%1,214
Noninterest income to average assets1.5930%565
Noninterest expense to average assets3.4040%1,875
Loan and lease loss provision to assets0.1634%2,233
Net operating income to assets1.8044%477
Return on assets (ROA)1.8044%490
Pretax return on assets1.8044%753
Return on Equity (ROE)14.8926%785
Retained earnings to average equity (ytd only)3.1296%4,011
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3671%4,999
Assets per employee ($millions)3.7642%4,336
Cash dividends to net income (ytd only)*78.9855%960
Condition Ratios (%)
Loss allowance to loans1.3511%3,888
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets80.3343%564
Net loans and leases to deposits97.6533%612
Net loans and leases to core deposits115.8848%424
Total domestic deposits to total assets82.2648%4,782
Equity capital to assets12.7363%1,402
Core capital (leverage) ratio12.0697%1,554
Tier 1 risk-based capital ratio16.4800%2,864
Total risk-based capital ratio17.7318%2,825
Memoranda:
Average total assets$45,887,0006,124
Average earning assets$40,775,4006,149
Average equity$5,559,8005,916
Average total loans$33,995,6005,583
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0336%871
Cost of funding earning assets0.9605%604
Net interest margin4.0731%1,713
Noninterest income to average assets1.7019%524
Noninterest expense to average assets3.1664%2,458
Loan and lease loss provision to assets0.2171%1,678
Net operating income to assets1.9392%408
Return on assets (ROA)1.9392%421
Pretax return on assets1.9392%666
Return on Equity (ROE)16.2081%624
Retained earnings to average equity (ytd only)0.3870%5,812
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4889%5,500
Assets per employee ($millions)4.4975%2,890
Cash dividends to net income (ytd only)*97.6123%441
Condition Ratios (%)
Loss allowance to loans1.3470%4,147
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,542
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets73.5750%1,351
Net loans and leases to deposits87.5839%1,421
Net loans and leases to core deposits103.0433%931
Total domestic deposits to total assets84.0051%4,181
Equity capital to assets11.3094%2,462
Core capital (leverage) ratio11.6151%1,934
Tier 1 risk-based capital ratio15.5698%3,437
Total risk-based capital ratio16.8220%3,394
Memoranda:
Average total assets$46,066,2506,187
Average earning assets$40,950,5006,212
Average equity$5,511,5005,997
Average total loans$33,298,5005,667
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0914%783
Cost of funding earning assets0.9853%582
Net interest margin4.1061%1,521
Noninterest income to average assets1.6247%607
Noninterest expense to average assets3.2850%2,113
Loan and lease loss provision to assets0.3338%1,028
Net operating income to assets1.6603%675
Return on assets (ROA)1.6603%740
Pretax return on assets1.6603%1,211
Return on Equity (ROE)13.6040%1,102
Retained earnings to average equity (ytd only)-3.4648%6,352
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2260%5,142
Assets per employee ($millions)4.7781%2,415
Cash dividends to net income (ytd only)*125.4692%313
Condition Ratios (%)
Loss allowance to loans1.3827%4,118
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets74.1864%1,223
Net loans and leases to deposits88.4296%1,289
Net loans and leases to core deposits110.6129%539
Total domestic deposits to total assets83.8932%4,367
Equity capital to assets11.4753%2,322
Core capital (leverage) ratio12.2331%1,490
Tier 1 risk-based capital ratio15.9274%3,237
Total risk-based capital ratio17.1794%3,178
Memoranda:
Average total assets$44,931,0006,261
Average earning assets$39,989,3306,282
Average equity$5,483,6706,049
Average total loans$32,099,3305,752
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5894%1,858
Cost of funding earning assets1.0256%532
Net interest margin3.5638%3,415
Noninterest income to average assets0.8642%1,886
Noninterest expense to average assets3.5581%1,502
Loan and lease loss provision to assets0.0552%3,712
Net operating income to assets0.4137%5,076
Return on assets (ROA)0.4137%5,224
Pretax return on assets0.4137%5,524
Return on Equity (ROE)3.2823%5,445
Retained earnings to average equity (ytd only)-13.7856%6,722
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.3562%1,293
Assets per employee ($millions)4.0365%3,870
Cash dividends to net income (ytd only)*520.0000%22
Condition Ratios (%)
Loss allowance to loans1.3510%4,461
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets70.3865%1,598
Net loans and leases to deposits84.8206%1,494
Net loans and leases to core deposits99.8211%960
Total domestic deposits to total assets82.9827%4,859
Equity capital to assets12.1391%1,947
Core capital (leverage) ratio12.3664%1,394
Tier 1 risk-based capital ratio17.4716%2,567
Total risk-based capital ratio18.7229%2,531
Memoranda:
Average total assets$43,506,0006,358
Average earning assets$38,610,5006,379
Average equity$5,484,0006,106
Average total loans$30,177,0005,885
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9031%1,827
Cost of funding earning assets1.1310%801
Net interest margin3.7720%3,353
Noninterest income to average assets1.6953%564
Noninterest expense to average assets3.5175%1,777
Loan and lease loss provision to assets0.1631%3,575
Net operating income to assets1.4934%930
Return on assets (ROA)1.4934%1,025
Pretax return on assets1.4934%1,694
Return on Equity (ROE)10.8700%1,843
Retained earnings to average equity (ytd only)6.2168%1,963
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9840%4,145
Assets per employee ($millions)4.2610%3,439
Cash dividends to net income (ytd only)*42.8076%2,702
Condition Ratios (%)
Loss allowance to loans1.4718%3,854
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 assets66.3013%2,479
Net loans and leases to deposits80.8974%2,161
Net loans and leases to core deposits95.3009%1,358
Total domestic deposits to total assets81.9573%5,116
Equity capital to assets13.0908%1,395
Core capital (leverage) ratio13.3890%986
Tier 1 risk-based capital ratio18.8211%2,006
Total risk-based capital ratio20.0729%1,973
Memoranda:
Average total assets$38,635,4006,543
Average earning assets$35,630,8006,511
Average equity$5,308,2006,206
Average total loans$28,182,0006,033
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9649%1,788
Cost of funding earning assets1.1160%997
Net interest margin3.8490%3,120
Noninterest income to average assets1.0874%1,274
Noninterest expense to average assets3.4393%1,899
Loan and lease loss provision to assets0.2232%2,829
Net operating income to assets1.0166%2,420
Return on assets (ROA)1.0166%2,654
Pretax return on assets1.0166%3,649
Return on Equity (ROE)7.3016%3,634
Retained earnings to average equity (ytd only)1.0176%5,761
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.5049%3,065
Assets per employee ($millions)4.6586%2,667
Cash dividends to net income (ytd only)*86.0633%532
Condition Ratios (%)
Loss allowance to loans1.4186%4,297
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 assets69.9430%1,910
Net loans and leases to deposits85.0740%1,714
Net loans and leases to core deposits97.9099%1,268
Total domestic deposits to total assets82.2143%4,945
Equity capital to assets12.6148%1,813
Core capital (leverage) ratio13.0535%1,173
Tier 1 risk-based capital ratio18.5371%2,153
Total risk-based capital ratio19.7883%2,119
Memoranda:
Average total assets$37,641,7506,647
Average earning assets$35,125,5006,610
Average equity$5,240,7506,293
Average total loans$28,059,2506,108
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0734%1,587
Cost of funding earning assets1.0984%1,229
Net interest margin3.9750%2,611
Noninterest income to average assets0.9831%1,508
Noninterest expense to average assets3.5622%1,655
Loan and lease loss provision to assets0.3479%1,892
Net operating income to assets0.8505%3,140
Return on assets (ROA)0.8505%3,414
Pretax return on assets0.8505%4,275
Return on Equity (ROE)5.8951%4,368
Retained earnings to average equity (ytd only)-2.4882%6,410
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8260%2,932
Assets per employee ($millions)5.6021%1,524
Cash dividends to net income (ytd only)*142.2078%199
Condition Ratios (%)
Loss allowance to loans1.4473%4,258
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets73.2781%1,355
Net loans and leases to deposits90.0025%1,151
Net loans and leases to core deposits102.9226%921
Total domestic deposits to total assets81.4178%5,326
Equity capital to assets13.2194%1,424
Core capital (leverage) ratio13.8896%835
Tier 1 risk-based capital ratio19.6460%1,801
Total risk-based capital ratio20.9004%1,767
Memoranda:
Average total assets$36,213,3306,728
Average earning assets$34,415,0006,671
Average equity$5,224,6706,327
Average total loans$27,496,6706,176
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0247%1,804
Cost of funding earning assets1.0793%1,504
Net interest margin3.9454%2,744
Noninterest income to average assets0.7375%2,461
Noninterest expense to average assets3.9409%1,004
Loan and lease loss provision to assets0.3803%1,658
Net operating income to assets0.2074%5,961
Return on assets (ROA)0.2074%6,105
Pretax return on assets0.2074%6,184
Return on Equity (ROE)1.3727%6,267
Retained earnings to average equity (ytd only)-0.6101%6,093
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.0229%1,374
Assets per employee ($millions)3.8374%4,346
Cash dividends to net income (ytd only)*144.4444%316
Condition Ratios (%)
Loss allowance to loans1.4169%4,529
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets78.9704%488
Net loans and leases to deposits100.3495%357
Net loans and leases to core deposits118.4436%335
Total domestic deposits to total assets78.6953%6,149
Equity capital to assets15.1750%717
Core capital (leverage) ratio15.9694%467
Tier 1 risk-based capital ratio23.4182%1,077
Total risk-based capital ratio24.6738%1,060
Memoranda:
Average total assets$34,712,5006,829
Average earning assets$33,355,5006,759
Average equity$5,245,0006,349
Average total loans$26,666,0006,270
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2286%1,950
Cost of funding earning assets1.3202%1,391
Net interest margin3.9084%3,300
Noninterest income to average assets2.5307%263
Noninterest expense to average assets4.2941%722
Loan and lease loss provision to assets0.3309%3,039
Net operating income to assets1.5839%688
Return on assets (ROA)1.5839%752
Pretax return on assets1.5839%1,244
Return on Equity (ROE)10.2538%1,972
Retained earnings to average equity (ytd only)5.4915%2,304
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.1610%4,117
Assets per employee ($millions)3.8764%4,144
Cash dividends to net income (ytd only)*46.4444%2,256
Condition Ratios (%)
Loss allowance to loans1.3987%4,465
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets72.5378%1,552
Net loans and leases to deposits95.7257%688
Net loans and leases to core deposits111.0200%586
Total domestic deposits to total assets75.7768%6,512
Equity capital to assets15.0453%772
Core capital (leverage) ratio17.8361%306
Tier 1 risk-based capital ratio14.6575%3,865
Total risk-based capital ratio15.6516%4,015
Memoranda:
Average total assets$28,411,0007,012
Average earning assets$26,737,4006,966
Average equity$4,388,6006,632
Average total loans$20,918,8006,614
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3470%1,688
Cost of funding earning assets1.3912%1,270
Net interest margin3.9558%3,128
Noninterest income to average assets2.4186%277
Noninterest expense to average assets4.2948%718
Loan and lease loss provision to assets0.1244%4,873
Net operating income to assets1.7069%616
Return on assets (ROA)1.7069%673
Pretax return on assets1.7069%1,130
Return on Equity (ROE)10.9577%1,877
Retained earnings to average equity (ytd only)10.9577%638
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1056%3,945
Assets per employee ($millions)3.0332%6,046
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.3989%4,568
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets74.8745%1,167
Net loans and leases to deposits102.9204%354
Net loans and leases to core deposits124.0367%309
Total domestic deposits to total assets72.7499%6,875
Equity capital to assets19.6015%272
Core capital (leverage) ratio20.5330%196
Tier 1 risk-based capital ratio18.7097%2,026
Total risk-based capital ratio19.7304%2,061
Memoranda:
Average total assets$26,791,7507,126
Average earning assets$25,110,0007,080
Average equity$4,173,5006,761
Average total loans$19,732,0006,739
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3955%1,579
Cost of funding earning assets1.4415%1,222
Net interest margin3.9540%3,072
Noninterest income to average assets2.6444%247
Noninterest expense to average assets4.4248%650
Loan and lease loss provision to assets0.1052%4,993
Net operating income to assets1.8030%503
Return on assets (ROA)1.8030%538
Pretax return on assets1.8030%878
Return on Equity (ROE)12.6951%1,278
Retained earnings to average equity (ytd only)12.6951%424
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8695%4,143
Assets per employee ($millions)3.1635%5,718
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4307%4,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets75.9523%1,077
Net loans and leases to deposits99.5546%516
Net loans and leases to core deposits118.3766%462
Total domestic deposits to total assets76.2921%6,558
Equity capital to assets15.5445%694
Core capital (leverage) ratio14.9576%672
Tier 1 risk-based capital ratio15.1069%3,445
Total risk-based capital ratio16.1783%3,506
Memoranda:
Average total assets$26,622,6707,196
Average earning assets$24,835,6707,152
Average equity$3,781,0006,907
Average total loans$19,399,3306,822
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1134%2,586
Cost of funding earning assets1.4362%1,449
Net interest margin3.6773%4,214
Noninterest income to average assets1.2023%881
Noninterest expense to average assets4.1496%869
Loan and lease loss provision to assets0.1613%4,014
Net operating income to assets0.3079%5,372
Return on assets (ROA)0.3079%5,444
Pretax return on assets0.3079%5,634
Return on Equity (ROE)2.2675%5,694
Retained earnings to average equity (ytd only)2.2675%4,792
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.8413%1,347
Assets per employee ($millions)3.5890%4,774
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3984%4,673
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets67.7800%2,598
Net loans and leases to deposits84.8936%1,900
Net loans and leases to core deposits103.2633%1,113
Total domestic deposits to total assets79.8412%5,982
Equity capital to assets12.9388%1,406
Core capital (leverage) ratio14.0305%844
Tier 1 risk-based capital ratio12.7196%5,039
Total risk-based capital ratio13.6645%5,322
Memoranda:
Average total assets$27,280,0007,227
Average earning assets$25,345,0007,189
Average equity$3,704,5006,956
Average total loans$19,348,5006,876
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8413%1,173
Cost of funding earning assets1.6536%1,809
Net interest margin4.1877%2,233
Noninterest income to average assets1.1823%1,064
Noninterest expense to average assets4.5534%619
Loan and lease loss provision to assets0.3121%4,309
Net operating income to assets0.2681%5,040
Return on assets (ROA)0.2681%5,206
Pretax return on assets0.2681%5,317
Return on Equity (ROE)1.6560%5,510
Retained earnings to average equity (ytd only)1.6560%4,688
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.6986%1,423
Assets per employee ($millions)3.2310%5,591
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.3977%4,518
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets72.3267%2,023
Net loans and leases to deposits93.1072%1,136
Net loans and leases to core deposits114.8059%685
Total domestic deposits to total assets77.6811%6,374
Equity capital to assets14.2912%955
Core capital (leverage) ratio14.5956%732
Tier 1 risk-based capital ratio14.0799%3,822
Total risk-based capital ratio15.0747%3,963
Memoranda:
Average total assets$22,752,4007,404
Average earning assets$21,467,8007,364
Average equity$3,683,6007,087
Average total loans$16,032,4007,120
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7537%1,538
Cost of funding earning assets1.6522%2,092
Net interest margin4.1015%2,613
Noninterest income to average assets1.3892%706
Noninterest expense to average assets4.6347%513
Loan and lease loss provision to assets0.2548%4,543
Net operating income to assets0.3700%4,885
Return on assets (ROA)0.3700%5,069
Pretax return on assets0.3700%5,313
Return on Equity (ROE)2.2095%5,528
Retained earnings to average equity (ytd only)2.2095%4,846
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.1200%1,442
Assets per employee ($millions)4.1298%3,597
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3993%4,468
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets67.1133%3,432
Net loans and leases to deposits87.4251%2,094
Net loans and leases to core deposits112.8069%892
Total domestic deposits to total assets76.7666%6,539
Equity capital to assets14.9078%907
Core capital (leverage) ratio15.3323%656
Tier 1 risk-based capital ratio15.2714%3,115
Total risk-based capital ratio16.2471%3,239
Memoranda:
Average total assets$21,978,5007,515
Average earning assets$20,739,7507,477
Average equity$3,681,0007,179
Average total loans$15,300,5007,243
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8261%1,358
Cost of funding earning assets1.5817%2,760
Net interest margin4.2445%1,986
Noninterest income to average assets1.9577%361
Noninterest expense to average assets4.9228%401
Loan and lease loss provision to assets0.2851%4,113
Net operating income to assets0.7793%3,070
Return on assets (ROA)0.7793%3,213
Pretax return on assets0.7793%3,955
Return on Equity (ROE)4.4606%4,560
Retained earnings to average equity (ytd only)4.4606%3,228
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.2222%2,133
Assets per employee ($millions)2.5974%6,953
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4546%4,154
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets64.9142%4,058
Net loans and leases to deposits86.1139%2,487
Net loans and leases to core deposits113.6960%930
Total domestic deposits to total assets75.3818%6,799
Equity capital to assets15.8917%688
Core capital (leverage) ratio17.3307%412
Tier 1 risk-based capital ratio27.2641%682
Total risk-based capital ratio28.5190%668
Memoranda:
Average total assets$21,045,0007,598
Average earning assets$19,979,0007,555
Average equity$3,676,6707,219
Average total loans$14,778,6707,327
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8053%1,438
Cost of funding earning assets1.6347%2,743
Net interest margin4.1706%2,153
Noninterest income to average assets3.3000%194
Noninterest expense to average assets5.7548%244
Loan and lease loss provision to assets0.5634%2,249
Net operating income to assets0.9860%2,238
Return on assets (ROA)0.9860%2,298
Pretax return on assets0.9860%3,144
Return on Equity (ROE)5.3589%4,175
Retained earnings to average equity (ytd only)5.3589%2,954
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.7879%2,762
Assets per employee ($millions)2.8934%6,453
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4675%4,085
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets73.5953%2,058
Net loans and leases to deposits90.4381%1,840
Net loans and leases to core deposits108.3127%1,397
Total domestic deposits to total assets81.3765%5,320
Equity capital to assets18.1791%406
Core capital (leverage) ratio18.5894%335
Tier 1 risk-based capital ratio27.7719%652
Total risk-based capital ratio29.0240%644
Memoranda:
Average total assets$19,879,0007,726
Average earning assets$19,086,0007,678
Average equity$3,657,5007,300
Average total loans$14,468,5007,430
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4681%718
Cost of funding earning assets1.9247%3,333
Net interest margin4.5434%1,089
Noninterest income to average assets1.6411%537
Noninterest expense to average assets5.1184%479
Loan and lease loss provision to assets0.4418%4,178
Net operating income to assets0.4017%4,123
Return on assets (ROA)0.4017%4,226
Pretax return on assets0.4017%4,497
Return on Equity (ROE)1.9344%4,937
Retained earnings to average equity (ytd only)1.9344%3,744
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.8518%2,132
Assets per employee ($millions)2.4380%7,301
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.4049%4,211
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets69.8062%3,303
Net loans and leases to deposits85.9804%2,914
Net loans and leases to core deposits120.9147%1,888
Total domestic deposits to total assets81.1885%5,271
Equity capital to assets18.6269%398
Core capital (leverage) ratio18.9357%340
Tier 1 risk-based capital ratio28.2768%620
Total risk-based capital ratio29.5299%606
Memoranda:
Average total assets$17,427,2007,843
Average earning assets$16,573,6007,805
Average equity$3,618,6007,411
Average total loans$12,133,4007,595
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6040%610
Cost of funding earning assets1.9737%3,497
Net interest margin4.6302%940
Noninterest income to average assets2.0423%352
Noninterest expense to average assets5.2282%419
Loan and lease loss provision to assets0.6230%2,902
Net operating income to assets0.5756%3,704
Return on assets (ROA)0.5756%3,771
Pretax return on assets0.5756%4,279
Return on Equity (ROE)2.6924%4,920
Retained earnings to average equity (ytd only)2.6924%3,823
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.3497%2,669
Assets per employee ($millions)2.6967%6,857
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3960%3,971
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets73.3379%2,702
Net loans and leases to deposits91.0550%2,385
Net loans and leases to core deposits130.1128%1,431
Total domestic deposits to total assets80.5425%5,229
Equity capital to assets19.2615%392
Core capital (leverage) ratio19.8180%321
Tier 1 risk-based capital ratio28.4931%655
Total risk-based capital ratio29.7469%636
Memoranda:
Average total assets$16,908,0007,937
Average earning assets$16,010,2507,895
Average equity$3,615,0007,476
Average total loans$11,714,5007,688
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6696%574
Cost of funding earning assets2.0310%3,619
Net interest margin4.6386%890
Noninterest income to average assets3.0274%212
Noninterest expense to average assets5.6363%361
Loan and lease loss provision to assets0.8368%2,001
Net operating income to assets0.9107%2,415
Return on assets (ROA)0.9107%2,513
Pretax return on assets0.9107%3,302
Return on Equity (ROE)4.1020%4,454
Retained earnings to average equity (ytd only)4.1020%3,012
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.3333%3,631
Assets per employee ($millions)2.5819%7,092
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3958%3,743
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets72.3123%3,135
Net loans and leases to deposits90.8516%2,683
Net loans and leases to core deposits125.8571%1,888
Total domestic deposits to total assets79.5939%5,595
Equity capital to assets20.1239%376
Core capital (leverage) ratio21.3001%304
Tier 1 risk-based capital ratio28.3941%692
Total risk-based capital ratio29.6432%683
Memoranda:
Average total assets$16,251,6708,038
Average earning assets$15,263,3308,001
Average equity$3,608,0007,538
Average total loans$10,939,3307,819
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0408%2,195
Cost of funding earning assets2.0136%4,066
Net interest margin4.0272%2,547
Noninterest income to average assets5.1366%127
Noninterest expense to average assets6.2056%271
Loan and lease loss provision to assets1.0430%1,253
Net operating income to assets1.5905%796
Return on assets (ROA)1.5905%875
Pretax return on assets1.5905%1,434
Return on Equity (ROE)6.7900%3,676
Retained earnings to average equity (ytd only)6.7900%2,292
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2065%4,528
Assets per employee ($millions)3.1564%5,721
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4024%3,488
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets69.9404%3,683
Net loans and leases to deposits91.1704%2,748
Net loans and leases to core deposits118.3573%2,563
Total domestic deposits to total assets76.7140%6,357
Equity capital to assets22.9629%277
Core capital (leverage) ratio25.1789%226
Tier 1 risk-based capital ratio32.7578%500
Total risk-based capital ratio34.0143%492
Memoranda:
Average total assets$15,341,0008,108
Average earning assets$14,104,0008,085
Average equity$3,593,5007,592
Average total loans$9,782,0007,920
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6076%2,448
Cost of funding earning assets2.1227%5,959
Net interest margin4.4848%1,463
Noninterest income to average assets2.5294%250
Noninterest expense to average assets8.3958%203
Loan and lease loss provision to assets0.9437%1,568
Net operating income to assets-2.6170%7,736
Return on assets (ROA)-2.6170%7,708
Pretax return on assets-2.6170%7,621
Return on Equity (ROE)-7.3050%7,071
Retained earnings to average equity (ytd only)-7.3050%6,811
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.8915%516
Assets per employee ($millions)2.4833%7,229
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.3980%3,210
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets55.3826%6,506
Net loans and leases to deposits73.1690%5,932
Net loans and leases to core deposits97.6452%5,081
Total domestic deposits to total assets75.6913%6,306
Equity capital to assets23.9128%289
Core capital (leverage) ratio25.8319%246
Tier 1 risk-based capital ratio39.8546%343
Total risk-based capital ratio41.1074%335
Memoranda:
Average total assets$10,279,0008,243
Average earning assets$9,610,2008,224
Average equity$3,682,4007,616
Average total loans$5,525,6008,141