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Bank of Salem, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3391%3,086
Cost of funding earning assets0.2675%2,728
Net interest margin3.0717%2,994
Noninterest income to average assets0.3894%3,107
Noninterest expense to average assets2.2616%2,910
Loan and lease loss provision to assets0.0169%2,738
Net operating income to assets0.7603%3,458
Return on assets (ROA)0.7603%3,525
Pretax return on assets0.9196%3,458
Return on Equity (ROE)8.5777%3,058
Retained earnings to average equity (ytd only)4.9469%2,802
Net charge-offs to loans-0.0576%4,392
Credit loss provision to net charge-offs-56.7568%3,269
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7170%1,654
Assets per employee ($millions)4.6964%3,970
Cash dividends to net income (ytd only)*42.3280%1,907
Condition Ratios (%)
Loss allowance to loans0.8440%4,191
Loan loss allowance to noncurrent loans121.3187%3,203
Noncurrent assets plus other real estate owned to assets0.3588%1,791
Noncurrent loans to loans0.6957%1,447
Net loans and leases to total assets51.1439%3,158
Net loans and leases to deposits57.6181%3,285
Net loans and leases to core deposits60.1774%3,304
Total domestic deposits to total assets88.7637%1,635
Equity capital to assets8.6220%3,966
Core capital (leverage) ratio8.9692%3,431
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$124,293,6003,753
Average earning assets$113,652,2003,767
Average equity$11,017,0004,033
Average total loans$64,248,2003,759
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4101%3,072
Cost of funding earning assets0.2760%2,841
Net interest margin3.1341%2,950
Noninterest income to average assets0.3838%3,183
Noninterest expense to average assets2.2037%3,059
Loan and lease loss provision to assets0.0226%2,541
Net operating income to assets0.8733%3,319
Return on assets (ROA)0.8733%3,392
Pretax return on assets1.0221%3,390
Return on Equity (ROE)9.7841%2,813
Retained earnings to average equity (ytd only)9.7841%1,385
Net charge-offs to loans-0.0709%4,485
Credit loss provision to net charge-offs-61.7647%3,169
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8394%1,857
Assets per employee ($millions)4.9151%3,781
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.8540%4,265
Loan loss allowance to noncurrent loans111.8126%3,283
Noncurrent assets plus other real estate owned to assets0.3996%1,853
Noncurrent loans to loans0.7638%1,480
Net loans and leases to total assets51.8718%3,200
Net loans and leases to deposits58.9178%3,331
Net loans and leases to core deposits61.6509%3,350
Total domestic deposits to total assets88.0410%1,822
Equity capital to assets9.2734%3,592
Core capital (leverage) ratio9.1345%3,402
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$123,666,2503,798
Average earning assets$113,032,5003,810
Average equity$11,038,0004,081
Average total loans$63,959,2503,814
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3944%3,197
Cost of funding earning assets0.2826%2,948
Net interest margin3.1118%2,999
Noninterest income to average assets0.3663%3,271
Noninterest expense to average assets2.1916%3,117
Loan and lease loss provision to assets0.0290%2,397
Net operating income to assets0.8182%3,450
Return on assets (ROA)0.8182%3,520
Pretax return on assets0.9893%3,467
Return on Equity (ROE)9.2866%3,015
Retained earnings to average equity (ytd only)9.2866%1,626
Net charge-offs to loans-0.0157%3,879
Credit loss provision to net charge-offs-360.0000%3,374
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2755%1,846
Assets per employee ($millions)5.0055%3,652
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.8123%4,346
Loan loss allowance to noncurrent loans105.5102%3,293
Noncurrent assets plus other real estate owned to assets0.3916%2,037
Noncurrent loans to loans0.7698%1,562
Net loans and leases to total assets50.4507%3,509
Net loans and leases to deposits57.2838%3,616
Net loans and leases to core deposits59.3238%3,670
Total domestic deposits to total assets88.0716%1,783
Equity capital to assets8.8710%3,918
Core capital (leverage) ratio8.8505%3,652
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$123,929,0003,812
Average earning assets$113,245,3333,820
Average equity$10,919,0004,105
Average total loans$63,849,6673,834
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6241%2,564
Cost of funding earning assets0.3091%2,898
Net interest margin3.3151%2,347
Noninterest income to average assets0.3373%3,415
Noninterest expense to average assets2.2153%3,060
Loan and lease loss provision to assets0.0292%2,402
Net operating income to assets0.8141%3,377
Return on assets (ROA)0.8141%3,450
Pretax return on assets1.0152%3,330
Return on Equity (ROE)9.2723%2,933
Retained earnings to average equity (ytd only)9.2723%1,867
Net charge-offs to loans-0.0188%3,967
Credit loss provision to net charge-offs-300.0000%3,047
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9602%1,939
Assets per employee ($millions)4.4430%4,156
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.7878%4,428
Loan loss allowance to noncurrent loans105.8577%3,263
Noncurrent assets plus other real estate owned to assets0.3842%2,262
Noncurrent loans to loans0.7442%1,747
Net loans and leases to total assets51.2222%3,520
Net loans and leases to deposits58.0683%3,641
Net loans and leases to core deposits60.1427%3,688
Total domestic deposits to total assets88.2103%1,737
Equity capital to assets8.6355%4,015
Core capital (leverage) ratio8.8393%3,767
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$123,324,5003,827
Average earning assets$108,716,0003,885
Average equity$10,828,0004,128
Average total loans$63,949,5003,846
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6669%3,661
Cost of funding earning assets0.4265%3,424
Net interest margin3.2404%3,244
Noninterest income to average assets0.4536%2,851
Noninterest expense to average assets2.3926%3,153
Loan and lease loss provision to assets0.0318%3,998
Net operating income to assets0.8296%2,982
Return on assets (ROA)0.8311%3,100
Pretax return on assets0.9664%3,151
Return on Equity (ROE)8.8111%2,465
Retained earnings to average equity (ytd only)5.0617%2,248
Net charge-offs to loans-0.0228%4,465
Credit loss provision to net charge-offs-257.1429%3,833
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5974%1,871
Assets per employee ($millions)4.3659%4,054
Cash dividends to net income (ytd only)*42.5532%2,220
Condition Ratios (%)
Loss allowance to loans0.7759%4,473
Loan loss allowance to noncurrent loans93.7381%3,419
Noncurrent assets plus other real estate owned to assets0.4311%2,287
Noncurrent loans to loans0.8277%1,690
Net loans and leases to total assets51.6802%3,687
Net loans and leases to deposits59.0944%3,820
Net loans and leases to core deposits61.7508%3,843
Total domestic deposits to total assets87.4538%1,725
Equity capital to assets8.9272%4,116
Core capital (leverage) ratio8.9756%3,717
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$113,097,0003,842
Average earning assets$102,456,0003,865
Average equity$10,668,4004,128
Average total loans$61,269,2003,896
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8026%3,563
Cost of funding earning assets0.4596%3,471
Net interest margin3.3431%3,062
Noninterest income to average assets0.4945%2,634
Noninterest expense to average assets2.3583%3,260
Loan and lease loss provision to assets0.0325%3,930
Net operating income to assets0.9072%2,666
Return on assets (ROA)0.9072%2,800
Pretax return on assets1.1322%2,633
Return on Equity (ROE)9.4776%2,210
Retained earnings to average equity (ytd only)9.4776%868
Net charge-offs to loans-0.0396%4,609
Credit loss provision to net charge-offs-150.0000%3,607
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.9399%2,322
Assets per employee ($millions)4.3190%4,027
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.7649%4,444
Loan loss allowance to noncurrent loans88.4268%3,429
Noncurrent assets plus other real estate owned to assets0.4742%2,301
Noncurrent loans to loans0.8650%1,718
Net loans and leases to total assets54.4013%3,769
Net loans and leases to deposits62.8358%3,877
Net loans and leases to core deposits65.8395%3,899
Total domestic deposits to total assets86.5770%1,823
Equity capital to assets9.5607%3,637
Core capital (leverage) ratio9.2110%3,545
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$110,810,2503,869
Average earning assets$100,384,5003,887
Average equity$10,607,2504,140
Average total loans$60,669,0003,922
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9729%3,395
Cost of funding earning assets0.5048%3,506
Net interest margin3.4682%2,893
Noninterest income to average assets0.4096%3,018
Noninterest expense to average assets2.3789%3,313
Loan and lease loss provision to assets0.0331%3,850
Net operating income to assets0.9056%2,667
Return on assets (ROA)0.9056%2,792
Pretax return on assets1.1279%2,627
Return on Equity (ROE)9.4565%2,174
Retained earnings to average equity (ytd only)9.4565%892
Net charge-offs to loans-0.0738%4,783
Credit loss provision to net charge-offs-81.8182%3,388
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2029%2,352
Assets per employee ($millions)4.3780%3,929
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.7720%4,410
Loan loss allowance to noncurrent loans85.5124%3,442
Noncurrent assets plus other real estate owned to assets0.6269%1,943
Noncurrent loans to loans0.9028%1,697
Net loans and leases to total assets52.6306%3,981
Net loans and leases to deposits62.3477%3,987
Net loans and leases to core deposits65.1022%4,018
Total domestic deposits to total assets84.4146%2,592
Equity capital to assets9.2237%3,904
Core capital (leverage) ratio9.2809%3,603
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$108,876,0003,880
Average earning assets$98,265,0003,904
Average equity$10,426,6674,174
Average total loans$59,582,6673,956
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0881%3,560
Cost of funding earning assets0.6480%3,180
Net interest margin3.4401%3,187
Noninterest income to average assets0.4261%2,930
Noninterest expense to average assets2.4642%3,381
Loan and lease loss provision to assets0.0307%3,389
Net operating income to assets0.8483%2,720
Return on assets (ROA)0.8483%2,811
Pretax return on assets1.0287%2,746
Return on Equity (ROE)8.6764%2,248
Retained earnings to average equity (ytd only)8.6764%1,060
Net charge-offs to loans-0.0414%4,574
Credit loss provision to net charge-offs-133.3333%3,211
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9346%2,362
Assets per employee ($millions)3.7990%4,171
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.7873%4,444
Loan loss allowance to noncurrent loans76.8456%3,624
Noncurrent assets plus other real estate owned to assets0.8043%1,687
Noncurrent loans to loans1.0245%1,621
Net loans and leases to total assets56.2711%3,818
Net loans and leases to deposits65.6114%3,890
Net loans and leases to core deposits68.9108%3,943
Total domestic deposits to total assets85.7643%2,099
Equity capital to assets9.9987%3,788
Core capital (leverage) ratio9.8523%3,606
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$104,210,5003,928
Average earning assets$93,834,0003,969
Average equity$10,188,5004,218
Average total loans$58,025,5003,988
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8486%4,507
Cost of funding earning assets0.7718%2,825
Net interest margin3.0768%4,402
Noninterest income to average assets0.6194%2,131
Noninterest expense to average assets2.4512%3,574
Loan and lease loss provision to assets0.0285%3,447
Net operating income to assets0.8695%3,320
Return on assets (ROA)0.8775%3,377
Pretax return on assets0.9391%3,633
Return on Equity (ROE)9.4349%2,554
Retained earnings to average equity (ytd only)5.3550%2,246
Net charge-offs to loans0.0577%2,277
Credit loss provision to net charge-offs93.7500%2,607
Earnings coverage of net charge-offs (x)31.5938%1,532
Efficiency ratio71.8776%1,885
Assets per employee ($millions)4.0711%3,824
Cash dividends to net income (ytd only)*43.2432%2,428
Condition Ratios (%)
Loss allowance to loans0.7672%4,402
Loan loss allowance to noncurrent loans61.3260%3,906
Noncurrent assets plus other real estate owned to assets0.7652%1,693
Noncurrent loans to loans1.2510%1,201
Net loans and leases to total assets54.2570%4,060
Net loans and leases to deposits62.8145%4,152
Net loans and leases to core deposits66.1247%4,187
Total domestic deposits to total assets86.3767%1,897
Equity capital to assets9.5618%4,302
Core capital (leverage) ratio9.7047%3,838
Tier 1 risk-based capital ratio17.1934%1,997
Total risk-based capital ratio17.9572%2,085
Memoranda:
Average total assets$105,416,2003,912
Average earning assets$95,618,0003,940
Average equity$9,804,0004,268
Average total loans$55,424,0004,069
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8492%4,608
Cost of funding earning assets0.7982%2,730
Net interest margin3.0509%4,555
Noninterest income to average assets0.6900%1,825
Noninterest expense to average assets2.3765%3,750
Loan and lease loss provision to assets0.0291%3,322
Net operating income to assets1.0071%2,957
Return on assets (ROA)1.0179%2,991
Pretax return on assets1.0686%3,382
Return on Equity (ROE)11.0231%2,011
Retained earnings to average equity (ytd only)11.0231%524
Net charge-offs to loans0.0292%2,505
Credit loss provision to net charge-offs191.6667%1,367
Earnings coverage of net charge-offs (x)71.4981%934
Efficiency ratio68.6289%2,316
Assets per employee ($millions)3.9541%3,961
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8199%4,351
Loan loss allowance to noncurrent loans97.0276%3,374
Noncurrent assets plus other real estate owned to assets0.5418%2,384
Noncurrent loans to loans0.8450%1,890
Net loans and leases to total assets53.7726%4,200
Net loans and leases to deposits62.7613%4,250
Net loans and leases to core deposits66.2044%4,265
Total domestic deposits to total assets85.6780%2,126
Equity capital to assets10.1063%3,913
Core capital (leverage) ratio9.7904%3,868
Tier 1 risk-based capital ratio18.3934%1,714
Total risk-based capital ratio19.2118%1,777
Memoranda:
Average total assets$105,308,2503,952
Average earning assets$95,707,0003,988
Average equity$9,724,7504,322
Average total loans$54,811,5004,130
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8189%4,688
Cost of funding earning assets0.8220%2,536
Net interest margin2.9968%4,696
Noninterest income to average assets0.7952%1,367
Noninterest expense to average assets2.3384%3,897
Loan and lease loss provision to assets0.0283%3,258
Net operating income to assets1.0202%2,841
Return on assets (ROA)1.0269%2,896
Pretax return on assets1.1494%3,078
Return on Equity (ROE)11.4701%1,800
Retained earnings to average equity (ytd only)11.4701%490
Net charge-offs to loans0.0440%2,019
Credit loss provision to net charge-offs125.0000%1,685
Earnings coverage of net charge-offs (x)51.7500%1,069
Efficiency ratio66.6488%2,722
Assets per employee ($millions)4.0598%3,790
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8180%4,374
Loan loss allowance to noncurrent loans130.5233%2,875
Noncurrent assets plus other real estate owned to assets0.4074%2,878
Noncurrent loans to loans0.6267%2,378
Net loans and leases to total assets51.5741%4,380
Net loans and leases to deposits59.7397%4,441
Net loans and leases to core deposits62.4644%4,485
Total domestic deposits to total assets86.3313%1,879
Equity capital to assets9.5353%4,371
Core capital (leverage) ratio9.4228%4,225
Tier 1 risk-based capital ratio18.0361%1,799
Total risk-based capital ratio18.8448%1,867
Memoranda:
Average total assets$106,142,0003,955
Average earning assets$96,101,3304,004
Average equity$9,503,0004,370
Average total loans$54,502,3304,164
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7959%4,713
Cost of funding earning assets0.8458%2,292
Net interest margin2.9500%4,820
Noninterest income to average assets1.2214%545
Noninterest expense to average assets2.3113%3,991
Loan and lease loss provision to assets0.0263%3,082
Net operating income to assets1.4218%1,318
Return on assets (ROA)1.4356%1,307
Pretax return on assets1.5596%1,578
Return on Equity (ROE)16.5691%521
Retained earnings to average equity (ytd only)16.5691%199
Net charge-offs to loans0.0810%1,278
Credit loss provision to net charge-offs63.6364%1,892
Earnings coverage of net charge-offs (x)38.0000%1,185
Efficiency ratio59.5353%3,876
Assets per employee ($millions)4.1065%3,758
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8060%4,503
Loan loss allowance to noncurrent loans109.9502%3,234
Noncurrent assets plus other real estate owned to assets0.3765%3,084
Noncurrent loans to loans0.7330%2,192
Net loans and leases to total assets50.9497%4,411
Net loans and leases to deposits58.5775%4,474
Net loans and leases to core deposits61.0199%4,531
Total domestic deposits to total assets86.9783%1,826
Equity capital to assets9.0093%4,677
Core capital (leverage) ratio9.2971%4,368
Tier 1 risk-based capital ratio17.8079%1,851
Total risk-based capital ratio18.6070%1,939
Memoranda:
Average total assets$106,435,5003,995
Average earning assets$95,999,0004,044
Average equity$9,222,0004,437
Average total loans$54,309,5004,203
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6842%4,691
Cost of funding earning assets0.6002%2,717
Net interest margin3.0840%4,675
Noninterest income to average assets0.4139%3,356
Noninterest expense to average assets2.5630%3,431
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.5785%4,473
Return on assets (ROA)0.5701%4,505
Pretax return on assets0.6477%4,536
Return on Equity (ROE)6.7915%3,897
Retained earnings to average equity (ytd only)2.2258%4,269
Net charge-offs to loans-0.0698%5,064
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.5894%993
Assets per employee ($millions)4.0809%3,773
Cash dividends to net income (ytd only)*67.2269%1,195
Condition Ratios (%)
Loss allowance to loans0.8293%4,436
Loan loss allowance to noncurrent loans105.9382%3,322
Noncurrent assets plus other real estate owned to assets0.3968%2,969
Noncurrent loans to loans0.7828%2,050
Net loans and leases to total assets50.2653%4,501
Net loans and leases to deposits58.5749%4,549
Net loans and leases to core deposits60.1837%4,619
Total domestic deposits to total assets85.8138%2,320
Equity capital to assets8.3174%5,038
Core capital (leverage) ratio9.2860%4,367
Tier 1 risk-based capital ratio17.2383%1,980
Total risk-based capital ratio18.0502%2,075
Memoranda:
Average total assets$104,369,6004,027
Average earning assets$94,973,4004,048
Average equity$8,761,0004,489
Average total loans$50,116,4004,315
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6563%4,717
Cost of funding earning assets0.5869%2,569
Net interest margin3.0694%4,755
Noninterest income to average assets0.4092%3,426
Noninterest expense to average assets2.4681%3,682
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.6528%4,360
Return on assets (ROA)0.6427%4,396
Pretax return on assets0.7338%4,462
Return on Equity (ROE)7.6384%3,692
Retained earnings to average equity (ytd only)7.6384%1,830
Net charge-offs to loans-0.0949%5,149
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8064%1,253
Assets per employee ($millions)3.6118%4,425
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8593%4,424
Loan loss allowance to noncurrent loans183.5391%2,384
Noncurrent assets plus other real estate owned to assets0.2403%3,755
Noncurrent loans to loans0.4682%2,985
Net loans and leases to total assets50.8835%4,533
Net loans and leases to deposits58.7096%4,609
Net loans and leases to core deposits60.3929%4,685
Total domestic deposits to total assets86.6698%1,884
Equity capital to assets8.6927%4,802
Core capital (leverage) ratio9.5838%4,077
Tier 1 risk-based capital ratio18.4642%1,681
Total risk-based capital ratio19.3067%1,730
Memoranda:
Average total assets$103,936,2504,079
Average earning assets$94,955,7504,098
Average equity$8,745,0004,536
Average total loans$49,200,7504,377
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6029%4,763
Cost of funding earning assets0.5886%2,306
Net interest margin3.0143%4,858
Noninterest income to average assets0.3986%3,497
Noninterest expense to average assets2.4239%3,840
Loan and lease loss provision to assets0.0114%3,625
Net operating income to assets0.5950%4,507
Return on assets (ROA)0.5950%4,510
Pretax return on assets0.7075%4,490
Return on Equity (ROE)7.1480%3,853
Retained earnings to average equity (ytd only)7.1480%2,002
Net charge-offs to loans-0.1615%5,288
Credit loss provision to net charge-offs-15.3846%3,941
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1238%1,296
Assets per employee ($millions)3.7287%4,317
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.9340%4,185
Loan loss allowance to noncurrent loans183.8710%2,409
Noncurrent assets plus other real estate owned to assets0.5115%2,710
Noncurrent loans to loans0.5080%2,891
Net loans and leases to total assets46.3263%4,809
Net loans and leases to deposits52.9122%4,879
Net loans and leases to core deposits54.4245%4,919
Total domestic deposits to total assets87.5530%1,615
Equity capital to assets8.4068%5,008
Core capital (leverage) ratio9.1598%4,508
Tier 1 risk-based capital ratio18.3445%1,715
Total risk-based capital ratio19.2172%1,776
Memoranda:
Average total assets$104,871,3304,093
Average earning assets$95,479,6704,121
Average equity$8,729,6704,576
Average total loans$48,299,3304,433
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4681%4,924
Cost of funding earning assets0.5571%2,341
Net interest margin2.9110%5,011
Noninterest income to average assets0.3768%3,612
Noninterest expense to average assets2.3938%3,963
Loan and lease loss provision to assets0.0228%3,230
Net operating income to assets0.5214%4,642
Return on assets (ROA)0.5214%4,642
Pretax return on assets0.6051%4,672
Return on Equity (ROE)6.2945%4,060
Retained earnings to average equity (ytd only)6.2945%2,586
Net charge-offs to loans-0.0083%4,180
Credit loss provision to net charge-offs-600.0000%4,048
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.2191%1,232
Assets per employee ($millions)3.8971%4,155
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8691%4,567
Loan loss allowance to noncurrent loans108.0103%3,318
Noncurrent assets plus other real estate owned to assets0.4761%2,951
Noncurrent loans to loans0.8047%2,200
Net loans and leases to total assets45.3099%4,831
Net loans and leases to deposits51.5907%4,896
Net loans and leases to core deposits53.0458%4,947
Total domestic deposits to total assets87.8257%1,712
Equity capital to assets8.1627%5,198
Core capital (leverage) ratio8.9746%4,701
Tier 1 risk-based capital ratio18.2243%1,766
Total risk-based capital ratio19.0346%1,844
Memoranda:
Average total assets$105,105,5004,141
Average earning assets$95,498,5004,166
Average equity$8,706,0004,624
Average total loans$48,038,0004,487
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4470%4,869
Cost of funding earning assets0.4098%3,161
Net interest margin3.0373%4,811
Noninterest income to average assets0.4015%3,631
Noninterest expense to average assets2.5174%3,722
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.5224%4,317
Return on assets (ROA)0.5343%4,314
Pretax return on assets0.6516%4,627
Return on Equity (ROE)6.1271%3,707
Retained earnings to average equity (ytd only)1.6791%4,292
Net charge-offs to loans0.1098%1,971
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)12.6346%2,455
Efficiency ratio79.8033%1,125
Assets per employee ($millions)4.1996%3,652
Cash dividends to net income (ytd only)*72.5953%1,136
Condition Ratios (%)
Loss allowance to loans0.8566%4,643
Loan loss allowance to noncurrent loans105.6555%3,420
Noncurrent assets plus other real estate owned to assets0.4791%2,964
Noncurrent loans to loans0.8107%2,183
Net loans and leases to total assets45.3105%4,926
Net loans and leases to deposits51.7037%5,000
Net loans and leases to core deposits53.2710%5,029
Total domestic deposits to total assets87.6349%1,681
Equity capital to assets8.4037%5,188
Core capital (leverage) ratio9.0295%4,614
Tier 1 risk-based capital ratio17.9252%1,821
Total risk-based capital ratio18.7204%1,904
Memoranda:
Average total assets$103,124,2004,186
Average earning assets$93,471,4004,210
Average equity$8,992,8004,612
Average total loans$47,346,2004,534
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4451%4,900
Cost of funding earning assets0.3987%3,208
Net interest margin3.0463%4,822
Noninterest income to average assets0.4013%3,676
Noninterest expense to average assets2.4495%3,888
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.6329%4,262
Return on assets (ROA)0.6468%4,261
Pretax return on assets0.7260%4,540
Return on Equity (ROE)7.3488%3,470
Retained earnings to average equity (ytd only)7.3488%1,517
Net charge-offs to loans0.0085%3,426
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)182.3300%467
Efficiency ratio77.5175%1,395
Assets per employee ($millions)3.7819%4,326
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9538%4,306
Loan loss allowance to noncurrent loans129.9435%3,070
Noncurrent assets plus other real estate owned to assets0.3467%3,654
Noncurrent loans to loans0.7340%2,522
Net loans and leases to total assets46.7785%4,894
Net loans and leases to deposits54.3945%4,944
Net loans and leases to core deposits56.1194%4,997
Total domestic deposits to total assets85.9986%2,319
Equity capital to assets9.2586%4,675
Core capital (leverage) ratio9.3345%4,365
Tier 1 risk-based capital ratio18.7742%1,652
Total risk-based capital ratio19.6796%1,701
Memoranda:
Average total assets$102,658,0004,235
Average earning assets$92,962,0004,258
Average equity$9,035,2504,658
Average total loans$47,187,2504,573
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4309%4,913
Cost of funding earning assets0.3846%3,242
Net interest margin3.0463%4,803
Noninterest income to average assets0.3890%3,756
Noninterest expense to average assets2.4640%3,875
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6119%4,252
Return on assets (ROA)0.6262%4,228
Pretax return on assets0.6826%4,600
Return on Equity (ROE)7.2395%3,432
Retained earnings to average equity (ytd only)7.2395%1,479
Net charge-offs to loans0.0085%3,153
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)171.5000%458
Efficiency ratio78.6957%1,366
Assets per employee ($millions)3.7892%4,292
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9896%4,214
Loan loss allowance to noncurrent loans133.6232%3,006
Noncurrent assets plus other real estate owned to assets0.3372%3,772
Noncurrent loans to loans0.7406%2,544
Net loans and leases to total assets45.0825%4,985
Net loans and leases to deposits51.3951%5,083
Net loans and leases to core deposits52.6098%5,128
Total domestic deposits to total assets87.7175%1,609
Equity capital to assets9.1322%4,771
Core capital (leverage) ratio9.0922%4,624
Tier 1 risk-based capital ratio18.5466%1,703
Total risk-based capital ratio19.4597%1,759
Memoranda:
Average total assets$102,840,3304,259
Average earning assets$92,570,3304,301
Average equity$8,895,6704,697
Average total loans$46,841,0004,613
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3601%5,018
Cost of funding earning assets0.3714%3,294
Net interest margin2.9887%4,911
Noninterest income to average assets0.3686%3,898
Noninterest expense to average assets2.4518%3,959
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.4826%4,664
Return on assets (ROA)0.4888%4,666
Pretax return on assets0.6091%4,708
Return on Equity (ROE)5.8118%3,999
Retained earnings to average equity (ytd only)5.8118%2,436
Net charge-offs to loans0.0085%2,678
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)155.0000%348
Efficiency ratio80.3050%1,348
Assets per employee ($millions)3.7198%4,466
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9785%4,403
Loan loss allowance to noncurrent loans131.6239%3,092
Noncurrent assets plus other real estate owned to assets0.3370%3,845
Noncurrent loans to loans0.7434%2,632
Net loans and leases to total assets44.8897%4,992
Net loans and leases to deposits50.7330%5,084
Net loans and leases to core deposits51.8987%5,146
Total domestic deposits to total assets88.4823%1,435
Equity capital to assets8.4347%5,285
Core capital (leverage) ratio9.0289%4,698
Tier 1 risk-based capital ratio17.5704%2,016
Total risk-based capital ratio18.4559%2,066
Memoranda:
Average total assets$103,106,5004,299
Average earning assets$92,615,5004,341
Average equity$8,672,0004,778
Average total loans$46,969,5004,650
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3913%5,000
Cost of funding earning assets0.3131%3,913
Net interest margin3.0781%4,780
Noninterest income to average assets0.4216%3,731
Noninterest expense to average assets2.5757%3,759
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.5057%4,609
Return on assets (ROA)0.5089%4,672
Pretax return on assets0.6324%4,700
Return on Equity (ROE)5.5599%4,175
Retained earnings to average equity (ytd only)1.1734%4,821
Net charge-offs to loans0.0743%2,636
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)17.8857%2,009
Efficiency ratio80.3885%1,373
Assets per employee ($millions)3.6450%4,551
Cash dividends to net income (ytd only)*78.8955%944
Condition Ratios (%)
Loss allowance to loans0.9909%4,392
Loan loss allowance to noncurrent loans119.0231%3,271
Noncurrent assets plus other real estate owned to assets0.3811%3,749
Noncurrent loans to loans0.8326%2,442
Net loans and leases to total assets45.3263%5,051
Net loans and leases to deposits51.2066%5,162
Net loans and leases to core deposits52.8855%5,180
Total domestic deposits to total assets88.5166%1,368
Equity capital to assets8.3862%5,356
Core capital (leverage) ratio9.1259%4,587
Tier 1 risk-based capital ratio18.1211%1,821
Total risk-based capital ratio19.0491%1,864
Memoranda:
Average total assets$99,624,2004,353
Average earning assets$90,054,8004,384
Average equity$9,118,8004,736
Average total loans$47,078,8004,664
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3989%5,027
Cost of funding earning assets0.3091%3,992
Net interest margin3.0898%4,798
Noninterest income to average assets0.4255%3,726
Noninterest expense to average assets2.5127%3,949
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5278%4,583
Return on assets (ROA)0.5278%4,688
Pretax return on assets0.7123%4,578
Return on Equity (ROE)5.6449%4,249
Retained earnings to average equity (ytd only)5.6449%2,404
Net charge-offs to loans0.0933%2,017
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)16.0300%2,145
Efficiency ratio77.9123%1,699
Assets per employee ($millions)3.5084%4,771
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9919%4,457
Loan loss allowance to noncurrent loans117.1285%3,292
Noncurrent assets plus other real estate owned to assets0.4041%3,808
Noncurrent loans to loans0.8468%2,564
Net loans and leases to total assets47.2500%5,007
Net loans and leases to deposits54.0658%5,110
Net loans and leases to core deposits55.9276%5,152
Total domestic deposits to total assets87.3935%1,715
Equity capital to assets9.6554%4,507
Core capital (leverage) ratio9.4431%4,265
Tier 1 risk-based capital ratio19.1373%1,642
Total risk-based capital ratio20.0915%1,670
Memoranda:
Average total assets$99,015,2504,395
Average earning assets$89,712,0004,428
Average equity$9,258,7504,754
Average total loans$47,167,7504,698
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4106%5,057
Cost of funding earning assets0.3078%4,039
Net interest margin3.1028%4,825
Noninterest income to average assets0.4130%3,793
Noninterest expense to average assets2.4961%4,042
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.5258%4,578
Return on assets (ROA)0.5258%4,702
Pretax return on assets0.7192%4,562
Return on Equity (ROE)5.6842%4,202
Retained earnings to average equity (ytd only)5.6842%2,313
Net charge-offs to loans0.1439%1,465
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)10.5000%2,332
Efficiency ratio77.6316%1,847
Assets per employee ($millions)3.7764%4,312
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.9861%4,589
Loan loss allowance to noncurrent loans126.4305%3,215
Noncurrent assets plus other real estate owned to assets0.3738%3,993
Noncurrent loans to loans0.7799%2,800
Net loans and leases to total assets47.4523%5,038
Net loans and leases to deposits53.9815%5,136
Net loans and leases to core deposits56.0296%5,170
Total domestic deposits to total assets87.9047%1,480
Equity capital to assets9.6398%4,624
Core capital (leverage) ratio9.2281%4,548
Tier 1 risk-based capital ratio18.3860%1,830
Total risk-based capital ratio19.3138%1,880
Memoranda:
Average total assets$99,275,3304,431
Average earning assets$89,661,6704,467
Average equity$9,183,3304,804
Average total loans$47,263,3304,730
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4225%5,073
Cost of funding earning assets0.3050%4,105
Net interest margin3.1175%4,814
Noninterest income to average assets0.4007%3,824
Noninterest expense to average assets2.4685%4,169
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.5169%4,553
Return on assets (ROA)0.5169%4,659
Pretax return on assets0.7173%4,464
Return on Equity (ROE)5.7064%4,132
Retained earnings to average equity (ytd only)5.7064%2,525
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4843%1,971
Assets per employee ($millions)4.0212%3,910
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0538%4,319
Loan loss allowance to noncurrent loans121.4634%3,205
Noncurrent assets plus other real estate owned to assets0.4078%3,959
Noncurrent loans to loans0.8676%2,674
Net loans and leases to total assets46.5130%5,082
Net loans and leases to deposits52.4568%5,199
Net loans and leases to core deposits54.4595%5,221
Total domestic deposits to total assets88.6692%1,256
Equity capital to assets9.0738%5,104
Core capital (leverage) ratio9.1147%4,716
Tier 1 risk-based capital ratio18.4665%1,863
Total risk-based capital ratio19.4812%1,886
Memoranda:
Average total assets$99,819,5004,467
Average earning assets$89,173,5004,519
Average equity$9,042,5004,856
Average total loans$47,367,0004,753
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5179%4,872
Cost of funding earning assets0.2658%4,638
Net interest margin3.2521%4,470
Noninterest income to average assets0.4634%3,575
Noninterest expense to average assets2.7183%3,521
Loan and lease loss provision to assets0.0117%4,177
Net operating income to assets0.5573%4,470
Return on assets (ROA)0.5573%4,561
Pretax return on assets0.6331%4,734
Return on Equity (ROE)5.8531%4,099
Retained earnings to average equity (ytd only)1.3680%4,948
Net charge-offs to loans-0.0235%5,323
Credit loss provision to net charge-offs-100.0000%5,143
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8254%1,561
Assets per employee ($millions)3.6707%4,528
Cash dividends to net income (ytd only)*76.6284%984
Condition Ratios (%)
Loss allowance to loans1.0490%4,326
Loan loss allowance to noncurrent loans115.2778%3,356
Noncurrent assets plus other real estate owned to assets0.4359%3,870
Noncurrent loans to loans0.9099%2,518
Net loans and leases to total assets47.4008%5,065
Net loans and leases to deposits52.8918%5,222
Net loans and leases to core deposits55.1036%5,249
Total domestic deposits to total assets89.6184%790
Equity capital to assets9.0437%5,085
Core capital (leverage) ratio9.4200%4,290
Tier 1 risk-based capital ratio16.8334%2,346
Total risk-based capital ratio17.7717%2,426
Memoranda:
Average total assets$93,660,0004,591
Average earning assets$83,515,0004,648
Average equity$8,918,4004,871
Average total loans$46,881,2004,761
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5335%4,903
Cost of funding earning assets0.2651%4,725
Net interest margin3.2684%4,460
Noninterest income to average assets0.4825%3,489
Noninterest expense to average assets2.7374%3,439
Loan and lease loss provision to assets0.0159%3,953
Net operating income to assets0.5952%4,408
Return on assets (ROA)0.5952%4,506
Pretax return on assets0.6501%4,829
Return on Equity (ROE)6.1671%4,077
Retained earnings to average equity (ytd only)6.1671%2,141
Net charge-offs to loans-0.0742%5,679
Credit loss provision to net charge-offs-42.3077%4,950
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.4329%1,598
Assets per employee ($millions)3.4210%4,939
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.0916%4,278
Loan loss allowance to noncurrent loans109.3817%3,491
Noncurrent assets plus other real estate owned to assets0.5078%3,799
Noncurrent loans to loans0.9980%2,491
Net loans and leases to total assets50.3232%4,906
Net loans and leases to deposits56.4342%5,100
Net loans and leases to core deposits58.9926%5,130
Total domestic deposits to total assets89.1715%932
Equity capital to assets10.0674%4,083
Core capital (leverage) ratio9.9698%3,676
Tier 1 risk-based capital ratio18.7816%1,829
Total risk-based capital ratio19.8261%1,845
Memoranda:
Average total assets$92,298,0004,673
Average earning assets$82,485,5004,726
Average equity$8,907,2504,930
Average total loans$46,732,5004,820
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5463%4,869
Cost of funding earning assets0.2704%4,713
Net interest margin3.2760%4,392
Noninterest income to average assets0.4292%3,861
Noninterest expense to average assets2.7353%3,469
Loan and lease loss provision to assets0.0065%3,968
Net operating income to assets0.4270%5,051
Return on assets (ROA)0.4270%5,154
Pretax return on assets0.6025%4,969
Return on Equity (ROE)4.4892%4,824
Retained earnings to average equity (ytd only)4.4892%3,157
Net charge-offs to loans-0.1201%5,851
Credit loss provision to net charge-offs-10.7143%4,695
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7887%1,521
Assets per employee ($millions)3.1622%5,394
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0793%4,443
Loan loss allowance to noncurrent loans641.7722%824
Noncurrent assets plus other real estate owned to assets0.2454%4,891
Noncurrent loans to loans0.1682%5,091
Net loans and leases to total assets50.6712%4,873
Net loans and leases to deposits56.2670%5,108
Net loans and leases to core deposits59.7923%5,083
Total domestic deposits to total assets90.0549%642
Equity capital to assets9.6060%4,525
Core capital (leverage) ratio9.6513%4,071
Tier 1 risk-based capital ratio18.6787%1,877
Total risk-based capital ratio19.7481%1,888
Memoranda:
Average total assets$92,275,0004,719
Average earning assets$82,112,6704,773
Average equity$8,776,6704,995
Average total loans$46,645,0004,864
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5372%4,866
Cost of funding earning assets0.2789%4,679
Net interest margin3.2584%4,389
Noninterest income to average assets0.4235%3,821
Noninterest expense to average assets2.6663%3,706
Loan and lease loss provision to assets0.0043%3,656
Net operating income to assets0.4408%4,910
Return on assets (ROA)0.4408%5,031
Pretax return on assets0.6309%4,833
Return on Equity (ROE)4.6573%4,685
Retained earnings to average equity (ytd only)4.6573%3,231
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7592%1,791
Assets per employee ($millions)3.3098%5,227
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0334%4,849
Loan loss allowance to noncurrent loans588.8889%866
Noncurrent assets plus other real estate owned to assets0.2449%4,961
Noncurrent loans to loans0.1755%5,148
Net loans and leases to total assets49.2932%4,913
Net loans and leases to deposits54.7313%5,145
Net loans and leases to core deposits56.2884%5,236
Total domestic deposits to total assets90.0641%718
Equity capital to assets9.5205%4,728
Core capital (leverage) ratio9.5208%4,242
Tier 1 risk-based capital ratio18.5592%1,987
Total risk-based capital ratio19.5699%2,014
Memoranda:
Average total assets$92,561,0004,758
Average earning assets$81,758,5004,823
Average equity$8,760,5005,046
Average total loans$46,480,5004,899
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5847%5,118
Cost of funding earning assets0.3094%4,693
Net interest margin3.2752%4,667
Noninterest income to average assets0.4543%3,802
Noninterest expense to average assets2.9295%3,051
Loan and lease loss provision to assets0.0011%4,586
Net operating income to assets0.3481%5,381
Return on assets (ROA)0.3481%5,450
Pretax return on assets0.4784%5,303
Return on Equity (ROE)3.6277%5,259
Retained earnings to average equity (ytd only)0.2053%5,686
Net charge-offs to loans0.0394%4,034
Credit loss provision to net charge-offs5.2632%4,157
Earnings coverage of net charge-offs (x)23.0526%1,606
Efficiency ratio85.9345%1,180
Assets per employee ($millions)3.3017%5,252
Cash dividends to net income (ytd only)*94.3396%473
Condition Ratios (%)
Loss allowance to loans1.0171%4,956
Loan loss allowance to noncurrent loans217.3516%2,097
Noncurrent assets plus other real estate owned to assets0.4035%4,479
Noncurrent loans to loans0.4679%4,251
Net loans and leases to total assets50.1103%4,962
Net loans and leases to deposits55.5128%5,211
Net loans and leases to core deposits57.0918%5,303
Total domestic deposits to total assets90.2680%621
Equity capital to assets9.4085%4,828
Core capital (leverage) ratio9.7596%3,886
Tier 1 risk-based capital ratio18.4203%2,010
Total risk-based capital ratio19.4332%2,044
Memoranda:
Average total assets$91,345,8004,802
Average earning assets$82,406,6004,840
Average equity$8,765,8005,031
Average total loans$48,166,6004,878
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5681%5,219
Cost of funding earning assets0.3137%4,745
Net interest margin3.2544%4,779
Noninterest income to average assets0.4612%3,806
Noninterest expense to average assets2.9193%3,055
Loan and lease loss provision to assets0.0015%4,380
Net operating income to assets0.3631%5,387
Return on assets (ROA)0.3631%5,459
Pretax return on assets0.5022%5,318
Return on Equity (ROE)3.7649%5,263
Retained earnings to average equity (ytd only)3.7649%3,976
Net charge-offs to loans0.0412%3,676
Credit loss provision to net charge-offs6.6667%3,741
Earnings coverage of net charge-offs (x)22.9330%1,612
Efficiency ratio85.2866%1,252
Assets per employee ($millions)3.1218%5,557
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0042%5,198
Loan loss allowance to noncurrent loans172.0430%2,435
Noncurrent assets plus other real estate owned to assets0.4096%4,695
Noncurrent loans to loans0.5837%4,175
Net loans and leases to total assets54.1340%4,558
Net loans and leases to deposits60.5616%4,891
Net loans and leases to core deposits61.6915%5,061
Total domestic deposits to total assets89.3867%1,033
Equity capital to assets10.2118%3,917
Core capital (leverage) ratio10.0312%3,634
Tier 1 risk-based capital ratio18.9178%1,924
Total risk-based capital ratio19.9395%1,957
Memoranda:
Average total assets$91,070,2504,865
Average earning assets$82,881,5004,876
Average equity$8,782,7505,073
Average total loans$48,507,7504,919
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5258%5,356
Cost of funding earning assets0.3173%4,791
Net interest margin3.2085%4,915
Noninterest income to average assets0.4616%3,777
Noninterest expense to average assets2.8605%3,309
Loan and lease loss provision to assets0.0022%4,173
Net operating income to assets0.3641%5,357
Return on assets (ROA)0.3641%5,424
Pretax return on assets0.5136%5,237
Return on Equity (ROE)3.8466%5,208
Retained earnings to average equity (ytd only)3.8466%3,731
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.7240%1,422
Assets per employee ($millions)3.2080%5,413
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0153%5,281
Loan loss allowance to noncurrent loans104.8729%3,532
Noncurrent assets plus other real estate owned to assets0.5255%4,427
Noncurrent loans to loans0.9681%3,305
Net loans and leases to total assets53.7290%4,573
Net loans and leases to deposits59.8764%4,877
Net loans and leases to core deposits60.9579%5,056
Total domestic deposits to total assets89.7331%947
Equity capital to assets9.8605%4,281
Core capital (leverage) ratio9.6010%4,176
Tier 1 risk-based capital ratio18.6061%2,035
Total risk-based capital ratio19.6518%2,062
Memoranda:
Average total assets$92,290,6704,866
Average earning assets$83,838,6704,874
Average equity$8,735,0005,101
Average total loans$48,744,3304,943
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4756%5,491
Cost of funding earning assets0.3198%4,859
Net interest margin3.1558%5,066
Noninterest income to average assets0.4448%3,825
Noninterest expense to average assets2.9083%3,174
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.2951%5,512
Return on assets (ROA)0.2951%5,554
Pretax return on assets0.4063%5,435
Return on Equity (ROE)3.1819%5,400
Retained earnings to average equity (ytd only)3.1819%4,218
Net charge-offs to loans0.0082%3,468
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)95.0000%473
Efficiency ratio87.7419%1,255
Assets per employee ($millions)3.3242%5,298
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.0108%5,475
Loan loss allowance to noncurrent loans295.2096%1,507
Noncurrent assets plus other real estate owned to assets0.1794%5,688
Noncurrent loans to loans0.3424%5,086
Net loans and leases to total assets51.8694%4,689
Net loans and leases to deposits57.4552%4,991
Net loans and leases to core deposits58.5562%5,155
Total domestic deposits to total assets90.2780%922
Equity capital to assets9.3491%4,700
Core capital (leverage) ratio9.3396%4,512
Tier 1 risk-based capital ratio18.1262%2,243
Total risk-based capital ratio19.1524%2,314
Memoranda:
Average total assets$93,524,5004,884
Average earning assets$85,050,0004,891
Average equity$8,674,0005,135
Average total loans$48,738,5004,978
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9218%4,380
Cost of funding earning assets0.4084%4,556
Net interest margin3.5134%3,834
Noninterest income to average assets0.5399%3,479
Noninterest expense to average assets2.9352%3,256
Loan and lease loss provision to assets0.0379%4,358
Net operating income to assets0.5216%4,639
Return on assets (ROA)0.5216%4,769
Pretax return on assets0.7100%4,504
Return on Equity (ROE)5.1665%4,554
Retained earnings to average equity (ytd only)0.6145%5,558
Net charge-offs to loans0.0786%4,118
Credit loss provision to net charge-offs84.6154%2,907
Earnings coverage of net charge-offs (x)16.6923%1,782
Efficiency ratio79.6943%2,203
Assets per employee ($millions)3.7588%4,350
Cash dividends to net income (ytd only)*88.1057%692
Condition Ratios (%)
Loss allowance to loans1.0143%5,491
Loan loss allowance to noncurrent loans771.8750%651
Noncurrent assets plus other real estate owned to assets0.0681%6,148
Noncurrent loans to loans0.1314%5,811
Net loans and leases to total assets51.3041%4,939
Net loans and leases to deposits56.7255%5,234
Net loans and leases to core deposits57.7993%5,408
Total domestic deposits to total assets90.4428%850
Equity capital to assets9.2007%4,804
Core capital (leverage) ratio9.3753%4,441
Tier 1 risk-based capital ratio18.1564%2,196
Total risk-based capital ratio19.1946%2,227
Memoranda:
Average total assets$87,045,6005,048
Average earning assets$77,873,2005,093
Average equity$8,787,4005,145
Average total loans$49,629,6004,974
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0283%4,021
Cost of funding earning assets0.4336%4,466
Net interest margin3.5948%3,464
Noninterest income to average assets0.5423%3,507
Noninterest expense to average assets2.9068%3,286
Loan and lease loss provision to assets0.0500%4,014
Net operating income to assets0.5767%4,440
Return on assets (ROA)0.5767%4,577
Pretax return on assets0.7861%4,348
Return on Equity (ROE)5.5764%4,432
Retained earnings to average equity (ytd only)5.5764%2,678
Net charge-offs to loans0.0187%4,754
Credit loss provision to net charge-offs457.1429%583
Earnings coverage of net charge-offs (x)76.4544%619
Efficiency ratio77.6618%2,465
Assets per employee ($millions)3.5366%4,772
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0741%5,426
Loan loss allowance to noncurrent loans530.3030%841
Noncurrent assets plus other real estate owned to assets0.1077%6,113
Noncurrent loans to loans0.2025%5,732
Net loans and leases to total assets52.5845%4,809
Net loans and leases to deposits58.6227%5,121
Net loans and leases to core deposits59.5461%5,336
Total domestic deposits to total assets89.6999%1,171
Equity capital to assets9.7672%4,223
Core capital (leverage) ratio9.7829%3,987
Tier 1 risk-based capital ratio19.3604%1,891
Total risk-based capital ratio20.4956%1,884
Memoranda:
Average total assets$85,314,2505,151
Average earning assets$75,960,2505,200
Average equity$8,822,7505,186
Average total loans$49,860,7505,012
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1987%3,374
Cost of funding earning assets0.4665%4,247
Net interest margin3.7321%2,837
Noninterest income to average assets0.5608%3,435
Noninterest expense to average assets2.9891%3,036
Loan and lease loss provision to assets0.0578%3,852
Net operating income to assets0.5439%4,580
Return on assets (ROA)0.5439%4,752
Pretax return on assets0.8062%4,291
Return on Equity (ROE)5.1539%4,641
Retained earnings to average equity (ytd only)5.1539%2,957
Net charge-offs to loans0.0279%4,303
Credit loss provision to net charge-offs342.8571%760
Earnings coverage of net charge-offs (x)51.2857%790
Efficiency ratio77.5765%2,531
Assets per employee ($millions)3.0588%5,752
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0431%5,658
Loan loss allowance to noncurrent loans718.0556%629
Noncurrent assets plus other real estate owned to assets0.0872%6,235
Noncurrent loans to loans0.1453%5,962
Net loans and leases to total assets59.3876%3,762
Net loans and leases to deposits66.9520%4,157
Net loans and leases to core deposits69.1017%4,377
Total domestic deposits to total assets88.7017%1,779
Equity capital to assets10.6868%3,075
Core capital (leverage) ratio10.7216%2,646
Tier 1 risk-based capital ratio19.3942%1,884
Total risk-based capital ratio20.5322%1,882
Memoranda:
Average total assets$83,102,0005,246
Average earning assets$73,309,0005,294
Average equity$8,770,0005,229
Average total loans$50,188,6705,019
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2192%3,217
Cost of funding earning assets0.4858%4,226
Net interest margin3.7334%2,721
Noninterest income to average assets0.5566%3,390
Noninterest expense to average assets3.0807%2,732
Loan and lease loss provision to assets0.0576%3,670
Net operating income to assets0.4847%4,755
Return on assets (ROA)0.4847%4,911
Pretax return on assets0.7006%4,581
Return on Equity (ROE)4.6214%4,778
Retained earnings to average equity (ytd only)4.6214%3,463
Net charge-offs to loans0.0475%3,364
Credit loss provision to net charge-offs200.0000%1,079
Earnings coverage of net charge-offs (x)26.3333%1,027
Efficiency ratio80.2500%2,293
Assets per employee ($millions)3.0272%5,936
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.0117%5,945
Loan loss allowance to noncurrent loans491.2621%873
Noncurrent assets plus other real estate owned to assets0.3560%5,520
Noncurrent loans to loans0.2059%5,889
Net loans and leases to total assets60.5709%3,334
Net loans and leases to deposits68.2921%3,743
Net loans and leases to core deposits70.5077%4,009
Total domestic deposits to total assets88.6938%1,877
Equity capital to assets10.7434%3,269
Core capital (leverage) ratio10.5194%2,750
Tier 1 risk-based capital ratio19.0516%2,034
Total risk-based capital ratio20.1614%2,040
Memoranda:
Average total assets$83,359,0005,286
Average earning assets$73,284,5005,340
Average equity$8,742,0005,289
Average total loans$50,501,0005,036
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5950%3,024
Cost of funding earning assets0.5879%4,465
Net interest margin4.0071%2,366
Noninterest income to average assets0.5481%3,599
Noninterest expense to average assets3.0845%2,975
Loan and lease loss provision to assets0.1229%4,083
Net operating income to assets0.6169%4,157
Return on assets (ROA)0.6169%4,425
Pretax return on assets0.8922%3,949
Return on Equity (ROE)5.7035%4,302
Retained earnings to average equity (ytd only)1.1589%5,293
Net charge-offs to loans0.1906%3,850
Credit loss provision to net charge-offs103.0928%2,910
Earnings coverage of net charge-offs (x)8.5155%2,395
Efficiency ratio75.2398%2,868
Assets per employee ($millions)3.1476%5,741
Cash dividends to net income (ytd only)*79.6813%1,014
Condition Ratios (%)
Loss allowance to loans0.9806%6,032
Loan loss allowance to noncurrent loans632.9114%668
Noncurrent assets plus other real estate owned to assets0.2495%5,923
Noncurrent loans to loans0.1549%6,093
Net loans and leases to total assets59.4100%3,701
Net loans and leases to deposits66.6724%4,184
Net loans and leases to core deposits69.3435%4,391
Total domestic deposits to total assets89.1074%1,492
Equity capital to assets10.2408%3,841
Core capital (leverage) ratio10.5380%2,719
Tier 1 risk-based capital ratio18.3131%2,166
Total risk-based capital ratio19.3797%2,184
Memoranda:
Average total assets$81,375,4005,317
Average earning assets$72,122,0005,366
Average equity$8,801,6005,270
Average total loans$50,902,2005,071
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6498%3,013
Cost of funding earning assets0.6089%4,548
Net interest margin4.0409%2,336
Noninterest income to average assets0.5468%3,628
Noninterest expense to average assets3.0552%3,040
Loan and lease loss provision to assets0.1491%3,672
Net operating income to assets0.6478%4,154
Return on assets (ROA)0.6478%4,412
Pretax return on assets0.9378%3,966
Return on Equity (ROE)5.9065%4,375
Retained earnings to average equity (ytd only)5.9065%2,758
Net charge-offs to loans0.2489%3,227
Credit loss provision to net charge-offs94.7368%3,154
Earnings coverage of net charge-offs (x)6.9054%2,692
Efficiency ratio73.7600%3,027
Assets per employee ($millions)2.8216%6,333
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9430%6,264
Loan loss allowance to noncurrent loans286.0465%1,295
Noncurrent assets plus other real estate owned to assets0.2102%6,186
Noncurrent loans to loans0.3297%5,814
Net loans and leases to total assets63.1589%3,180
Net loans and leases to deposits71.5476%3,670
Net loans and leases to core deposits75.8631%3,744
Total domestic deposits to total assets88.2753%1,864
Equity capital to assets11.0257%3,243
Core capital (leverage) ratio10.9738%2,414
Tier 1 risk-based capital ratio18.9038%2,039
Total risk-based capital ratio19.9519%2,066
Memoranda:
Average total assets$80,473,2505,390
Average earning assets$71,599,5005,444
Average equity$8,826,2505,317
Average total loans$50,880,5005,132
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6816%3,002
Cost of funding earning assets0.6282%4,650
Net interest margin4.0534%2,278
Noninterest income to average assets0.5224%3,768
Noninterest expense to average assets3.2441%2,457
Loan and lease loss provision to assets0.1125%4,123
Net operating income to assets0.5399%4,629
Return on assets (ROA)0.5399%4,907
Pretax return on assets0.7623%4,595
Return on Equity (ROE)4.9309%4,838
Retained earnings to average equity (ytd only)4.9309%3,318
Net charge-offs to loans0.1348%3,850
Credit loss provision to net charge-offs132.3529%2,072
Earnings coverage of net charge-offs (x)10.2941%2,067
Efficiency ratio78.7621%2,355
Assets per employee ($millions)2.8419%6,336
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0030%6,146
Loan loss allowance to noncurrent loans907.1429%452
Noncurrent assets plus other real estate owned to assets0.0704%6,639
Noncurrent loans to loans0.1106%6,386
Net loans and leases to total assets63.0146%3,231
Net loans and leases to deposits71.4019%3,698
Net loans and leases to core deposits74.7072%3,931
Total domestic deposits to total assets88.2534%1,983
Equity capital to assets11.1145%3,003
Core capital (leverage) ratio10.8829%2,406
Tier 1 risk-based capital ratio18.9096%1,987
Total risk-based capital ratio20.0139%2,010
Memoranda:
Average total assets$80,022,0005,433
Average earning assets$71,001,6705,492
Average equity$8,761,0005,335
Average total loans$50,449,6705,178
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7757%2,737
Cost of funding earning assets0.6538%4,692
Net interest margin4.1219%2,020
Noninterest income to average assets0.5433%3,611
Noninterest expense to average assets3.2998%2,288
Loan and lease loss provision to assets0.0249%5,037
Net operating income to assets0.6081%4,308
Return on assets (ROA)0.6081%4,519
Pretax return on assets0.8324%4,289
Return on Equity (ROE)5.5967%4,503
Retained earnings to average equity (ytd only)5.5967%3,206
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3765%2,290
Assets per employee ($millions)2.7638%6,556
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9963%6,265
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1959%6,396
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets62.2358%3,212
Net loans and leases to deposits70.3951%3,672
Net loans and leases to core deposits73.6222%3,945
Total domestic deposits to total assets88.4092%2,065
Equity capital to assets10.9357%2,983
Core capital (leverage) ratio10.8817%2,355
Tier 1 risk-based capital ratio18.9792%1,991
Total risk-based capital ratio20.0865%2,005
Memoranda:
Average total assets$80,247,0005,470
Average earning assets$70,355,5005,549
Average equity$8,719,5005,353
Average total loans$50,349,5005,215
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8636%3,528
Cost of funding earning assets0.7989%4,884
Net interest margin4.0647%2,586
Noninterest income to average assets0.5914%3,210
Noninterest expense to average assets3.4201%2,193
Loan and lease loss provision to assets0.0643%5,808
Net operating income to assets0.5452%4,253
Return on assets (ROA)0.5452%4,445
Pretax return on assets0.7509%4,152
Return on Equity (ROE)4.8415%4,461
Retained earnings to average equity (ytd only)0.8450%5,470
Net charge-offs to loans0.0579%5,726
Credit loss provision to net charge-offs178.5714%1,468
Earnings coverage of net charge-offs (x)22.6429%1,055
Efficiency ratio80.7529%2,193
Assets per employee ($millions)2.7705%6,500
Cash dividends to net income (ytd only)*82.5472%717
Condition Ratios (%)
Loss allowance to loans0.9878%6,280
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2066%6,445
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets62.0059%3,598
Net loans and leases to deposits70.0567%4,086
Net loans and leases to core deposits72.5882%4,424
Total domestic deposits to total assets88.5082%1,846
Equity capital to assets10.7961%3,197
Core capital (leverage) ratio10.9591%2,305
Tier 1 risk-based capital ratio18.4493%2,063
Total risk-based capital ratio19.5302%2,079
Memoranda:
Average total assets$77,775,6005,513
Average earning assets$69,722,6005,546
Average equity$8,757,6005,346
Average total loans$48,355,2005,332
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8507%3,776
Cost of funding earning assets0.8206%5,004
Net interest margin4.0302%2,778
Noninterest income to average assets0.5843%3,268
Noninterest expense to average assets3.3690%2,285
Loan and lease loss provision to assets0.0294%6,071
Net operating income to assets0.5964%4,097
Return on assets (ROA)0.5964%4,284
Pretax return on assets0.8280%4,028
Return on Equity (ROE)5.2400%4,429
Retained earnings to average equity (ytd only)5.2400%3,033
Net charge-offs to loans0.0167%5,919
Credit loss provision to net charge-offs283.3333%1,009
Earnings coverage of net charge-offs (x)82.6650%434
Efficiency ratio79.7137%2,294
Assets per employee ($millions)2.7643%6,553
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9766%6,369
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2145%6,521
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets63.6671%3,380
Net loans and leases to deposits73.2153%3,776
Net loans and leases to core deposits74.2590%4,415
Total domestic deposits to total assets86.9588%2,680
Equity capital to assets11.6161%2,569
Core capital (leverage) ratio11.3145%2,153
Tier 1 risk-based capital ratio19.2972%1,858
Total risk-based capital ratio20.3686%1,870
Memoranda:
Average total assets$77,133,5005,572
Average earning assets$69,705,7505,593
Average equity$8,778,5005,367
Average total loans$47,865,2505,391
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8133%4,039
Cost of funding earning assets0.8381%5,135
Net interest margin3.9752%2,967
Noninterest income to average assets0.5607%3,396
Noninterest expense to average assets3.3877%2,300
Loan and lease loss provision to assets0.0052%6,186
Net operating income to assets0.5529%4,299
Return on assets (ROA)0.5529%4,429
Pretax return on assets0.7632%4,166
Return on Equity (ROE)4.8922%4,502
Retained earnings to average equity (ytd only)4.8922%3,065
Net charge-offs to loans0.0127%5,671
Credit loss provision to net charge-offs66.6667%4,148
Earnings coverage of net charge-offs (x)98.6667%368
Efficiency ratio81.5116%2,168
Assets per employee ($millions)2.7551%6,547
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.9837%6,399
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2152%6,579
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets61.8462%3,916
Net loans and leases to deposits70.9284%4,303
Net loans and leases to core deposits71.9402%4,828
Total domestic deposits to total assets87.1952%2,625
Equity capital to assets11.4748%2,521
Core capital (leverage) ratio11.2785%2,059
Tier 1 risk-based capital ratio19.4364%1,728
Total risk-based capital ratio20.5050%1,739
Memoranda:
Average total assets$77,044,3305,621
Average earning assets$69,682,0005,640
Average equity$8,707,6705,405
Average total loans$47,232,0005,466
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7668%4,222
Cost of funding earning assets0.8563%5,235
Net interest margin3.9105%3,090
Noninterest income to average assets0.4780%4,066
Noninterest expense to average assets3.4236%2,215
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.4676%4,633
Return on assets (ROA)0.4676%4,716
Pretax return on assets0.6130%4,641
Return on Equity (ROE)4.1688%4,818
Retained earnings to average equity (ytd only)4.1688%3,669
Net charge-offs to loans-0.0342%6,755
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.8134%1,866
Assets per employee ($millions)2.8076%6,524
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0147%6,341
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2190%6,620
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets61.6437%3,938
Net loans and leases to deposits70.6581%4,243
Net loans and leases to core deposits71.2452%4,896
Total domestic deposits to total assets87.2423%2,800
Equity capital to assets11.4583%2,306
Core capital (leverage) ratio11.1574%2,067
Tier 1 risk-based capital ratio19.9821%1,593
Total risk-based capital ratio21.1083%1,587
Memoranda:
Average total assets$76,995,0005,668
Average earning assets$70,068,5005,667
Average equity$8,635,5005,426
Average total loans$46,756,0005,535
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9966%4,576
Cost of funding earning assets1.0749%5,287
Net interest margin3.9217%3,389
Noninterest income to average assets0.4760%4,343
Noninterest expense to average assets3.3368%2,619
Loan and lease loss provision to assets0.0128%6,967
Net operating income to assets0.4708%4,226
Return on assets (ROA)0.4708%4,392
Pretax return on assets0.6227%4,249
Return on Equity (ROE)4.2024%4,431
Retained earnings to average equity (ytd only)0.2164%5,462
Net charge-offs to loans0.0044%6,803
Credit loss provision to net charge-offs500.0000%451
Earnings coverage of net charge-offs (x)249.0000%93
Efficiency ratio84.0026%1,920
Assets per employee ($millions)2.8957%6,336
Cash dividends to net income (ytd only)*94.8509%470
Condition Ratios (%)
Loss allowance to loans1.0258%6,253
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2123%6,699
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets58.6161%4,934
Net loans and leases to deposits66.6846%5,308
Net loans and leases to core deposits67.2167%5,750
Total domestic deposits to total assets87.9005%2,309
Equity capital to assets10.9804%2,702
Core capital (leverage) ratio10.9593%2,192
Tier 1 risk-based capital ratio19.3568%1,628
Total risk-based capital ratio20.4503%1,641
Memoranda:
Average total assets$78,369,2005,632
Average earning assets$69,867,2005,675
Average equity$8,780,8005,479
Average total loans$45,640,2005,676
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0723%4,465
Cost of funding earning assets1.1133%5,361
Net interest margin3.9590%3,295
Noninterest income to average assets0.5084%4,114
Noninterest expense to average assets3.2153%2,870
Loan and lease loss provision to assets0.0170%6,878
Net operating income to assets0.5747%3,984
Return on assets (ROA)0.5747%4,148
Pretax return on assets0.7770%3,984
Return on Equity (ROE)5.1039%4,240
Retained earnings to average equity (ytd only)5.1039%2,913
Net charge-offs to loans0.0176%6,431
Credit loss provision to net charge-offs166.6667%2,236
Earnings coverage of net charge-offs (x)77.8313%390
Efficiency ratio80.1951%2,313
Assets per employee ($millions)2.8408%6,507
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0341%6,243
Loan loss allowance to noncurrent loans7,850.0000%52
Noncurrent assets plus other real estate owned to assets0.2282%6,796
Noncurrent loans to loans0.0132%7,233
Net loans and leases to total assets58.7711%5,142
Net loans and leases to deposits68.0638%5,412
Net loans and leases to core deposits68.6265%5,883
Total domestic deposits to total assets86.3470%2,889
Equity capital to assets11.7834%2,301
Core capital (leverage) ratio11.1064%2,186
Tier 1 risk-based capital ratio20.8102%1,395
Total risk-based capital ratio21.9332%1,393
Memoranda:
Average total assets$78,415,2505,708
Average earning assets$69,341,7505,759
Average equity$8,829,7505,546
Average total loans$45,474,2505,765
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0796%4,560
Cost of funding earning assets1.1625%5,333
Net interest margin3.9172%3,367
Noninterest income to average assets0.5393%3,799
Noninterest expense to average assets3.1828%2,966
Loan and lease loss provision to assets0.0177%6,746
Net operating income to assets0.5722%3,983
Return on assets (ROA)0.5722%4,128
Pretax return on assets0.7773%3,961
Return on Equity (ROE)5.1596%4,209
Retained earnings to average equity (ytd only)5.1596%2,808
Net charge-offs to loans0.0264%5,969
Credit loss provision to net charge-offs116.6667%3,476
Earnings coverage of net charge-offs (x)52.3333%568
Efficiency ratio80.0127%2,447
Assets per employee ($millions)2.9001%6,359
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.0310%6,264
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2835%6,708
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets57.3766%5,509
Net loans and leases to deposits66.0487%5,796
Net loans and leases to core deposits66.8775%6,166
Total domestic deposits to total assets86.8701%2,611
Equity capital to assets11.3394%2,560
Core capital (leverage) ratio11.0024%2,245
Tier 1 risk-based capital ratio19.9861%1,521
Total risk-based capital ratio21.0717%1,513
Memoranda:
Average total assets$78,986,6705,727
Average earning assets$69,336,0005,794
Average equity$8,760,3305,570
Average total loans$45,449,3305,795
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1004%4,521
Cost of funding earning assets1.2273%5,246
Net interest margin3.8731%3,440
Noninterest income to average assets0.5748%3,460
Noninterest expense to average assets3.1464%3,073
Loan and lease loss provision to assets0.0202%6,442
Net operating income to assets0.5748%4,009
Return on assets (ROA)0.5748%4,151
Pretax return on assets0.7816%3,946
Return on Equity (ROE)5.2408%4,239
Retained earnings to average equity (ytd only)5.2408%3,020
Net charge-offs to loans0.0440%4,980
Credit loss provision to net charge-offs80.0000%3,875
Earnings coverage of net charge-offs (x)31.8000%840
Efficiency ratio79.6935%2,615
Assets per employee ($millions)2.9021%6,432
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0213%6,355
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3369%6,637
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets57.6349%5,506
Net loans and leases to deposits66.2243%5,796
Net loans and leases to core deposits67.0522%6,201
Total domestic deposits to total assets87.0299%2,617
Equity capital to assets11.1451%2,639
Core capital (leverage) ratio10.8831%2,303
Tier 1 risk-based capital ratio19.6225%1,598
Total risk-based capital ratio20.6979%1,605
Memoranda:
Average total assets$79,329,0005,789
Average earning assets$69,092,0005,875
Average equity$8,701,0005,628
Average total loans$45,476,5005,863
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4987%4,148
Cost of funding earning assets1.5044%5,496
Net interest margin3.9943%2,887
Noninterest income to average assets0.4095%5,130
Noninterest expense to average assets3.2129%3,333
Loan and lease loss provision to assets0.0231%7,277
Net operating income to assets0.5584%3,489
Return on assets (ROA)0.5584%3,576
Pretax return on assets0.7214%3,505
Return on Equity (ROE)4.9767%3,672
Retained earnings to average equity (ytd only)0.4004%4,683
Net charge-offs to loans0.0284%6,847
Credit loss provision to net charge-offs138.4615%3,546
Earnings coverage of net charge-offs (x)44.6154%564
Efficiency ratio81.1872%2,714
Assets per employee ($millions)2.9741%6,284
Cash dividends to net income (ytd only)*91.9540%802
Condition Ratios (%)
Loss allowance to loans1.0303%6,218
Loan loss allowance to noncurrent loans9,340.0000%53
Noncurrent assets plus other real estate owned to assets0.1968%6,972
Noncurrent loans to loans0.0110%7,414
Net loans and leases to total assets55.8636%5,966
Net loans and leases to deposits63.8817%6,278
Net loans and leases to core deposits78.9313%6,185
Total domestic deposits to total assets87.4485%2,244
Equity capital to assets10.7956%2,873
Core capital (leverage) ratio10.8670%2,307
Tier 1 risk-based capital ratio19.2242%1,607
Total risk-based capital ratio20.2942%1,610
Memoranda:
Average total assets$77,905,8005,787
Average earning assets$69,197,8005,835
Average equity$8,740,8005,683
Average total loans$45,818,0005,843
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5509%4,148
Cost of funding earning assets1.5519%5,626
Net interest margin3.9990%2,829
Noninterest income to average assets0.4087%5,223
Noninterest expense to average assets3.0906%3,682
Loan and lease loss provision to assets0.0172%7,172
Net operating income to assets0.6571%3,371
Return on assets (ROA)0.6571%3,432
Pretax return on assets0.8830%3,278
Return on Equity (ROE)5.7998%3,606
Retained earnings to average equity (ytd only)5.7998%2,045
Net charge-offs to loans0.0261%6,517
Credit loss provision to net charge-offs111.1111%4,573
Earnings coverage of net charge-offs (x)57.9983%565
Efficiency ratio77.4417%3,248
Assets per employee ($millions)2.8239%6,597
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.0079%6,242
Loan loss allowance to noncurrent loans2,204.7619%180
Noncurrent assets plus other real estate owned to assets0.3200%6,684
Noncurrent loans to loans0.0457%7,394
Net loans and leases to total assets59.6414%5,638
Net loans and leases to deposits69.7332%5,951
Net loans and leases to core deposits87.0847%5,745
Total domestic deposits to total assets85.5280%2,953
Equity capital to assets11.8239%2,341
Core capital (leverage) ratio11.2962%2,190
Tier 1 risk-based capital ratio20.0989%1,541
Total risk-based capital ratio21.1642%1,530
Memoranda:
Average total assets$77,307,0005,837
Average earning assets$69,248,2505,871
Average equity$8,758,7505,733
Average total loans$45,941,0005,889
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6116%4,016
Cost of funding earning assets1.6074%5,716
Net interest margin4.0042%2,682
Noninterest income to average assets0.3966%5,322
Noninterest expense to average assets2.9642%4,232
Loan and lease loss provision to assets0.0129%7,086
Net operating income to assets0.7262%3,148
Return on assets (ROA)0.7262%3,252
Pretax return on assets0.9863%3,061
Return on Equity (ROE)6.5027%3,437
Retained earnings to average equity (ytd only)6.5027%1,796
Net charge-offs to loans-0.0044%7,516
Credit loss provision to net charge-offs-500.0000%7,053
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7888%3,908
Assets per employee ($millions)2.7707%6,698
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0095%6,164
Loan loss allowance to noncurrent loans46,800.0000%8
Noncurrent assets plus other real estate owned to assets0.2178%6,959
Noncurrent loans to loans0.0022%7,573
Net loans and leases to total assets59.1565%5,814
Net loans and leases to deposits68.7752%6,115
Net loans and leases to core deposits84.1317%6,080
Total domestic deposits to total assets86.0143%2,785
Equity capital to assets11.3703%2,619
Core capital (leverage) ratio11.1990%2,261
Tier 1 risk-based capital ratio19.7738%1,623
Total risk-based capital ratio20.8453%1,616
Memoranda:
Average total assets$77,661,3305,876
Average earning assets$69,178,0005,916
Average equity$8,673,3305,786
Average total loans$45,942,6705,934
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6832%3,887
Cost of funding earning assets1.6668%5,752
Net interest margin4.0164%2,582
Noninterest income to average assets0.3655%5,511
Noninterest expense to average assets2.7901%4,594
Loan and lease loss provision to assets0.0257%6,594
Net operating income to assets0.7928%3,157
Return on assets (ROA)0.7928%3,321
Pretax return on assets1.1222%2,902
Return on Equity (ROE)7.1632%3,527
Retained earnings to average equity (ytd only)7.1632%2,152
Net charge-offs to loans-0.0175%7,401
Credit loss provision to net charge-offs-250.0000%6,304
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8497%4,398
Assets per employee ($millions)2.9967%6,160
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0162%6,069
Loan loss allowance to noncurrent loans124.4032%2,522
Noncurrent assets plus other real estate owned to assets0.6327%5,592
Noncurrent loans to loans0.8169%5,403
Net loans and leases to total assets58.6326%5,854
Net loans and leases to deposits68.5427%6,125
Net loans and leases to core deposits82.7606%6,163
Total domestic deposits to total assets85.5418%2,947
Equity capital to assets11.1520%2,851
Core capital (leverage) ratio11.0524%2,465
Tier 1 risk-based capital ratio19.6037%1,697
Total risk-based capital ratio20.6843%1,678
Memoranda:
Average total assets$77,702,5005,896
Average earning assets$69,116,5005,944
Average equity$8,599,5005,846
Average total loans$45,733,5005,974
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9792%5,646
Cost of funding earning assets2.1473%5,847
Net interest margin3.8319%3,884
Noninterest income to average assets0.4498%5,037
Noninterest expense to average assets2.8397%4,646
Loan and lease loss provision to assets0.0317%7,009
Net operating income to assets0.7793%3,527
Return on assets (ROA)0.7793%3,371
Pretax return on assets1.0517%3,205
Return on Equity (ROE)7.2843%3,380
Retained earnings to average equity (ytd only)1.9543%4,016
Net charge-offs to loans0.0521%6,044
Credit loss provision to net charge-offs104.1667%5,130
Earnings coverage of net charge-offs (x)35.6250%1,023
Efficiency ratio72.3837%3,863
Assets per employee ($millions)3.0996%5,764
Cash dividends to net income (ytd only)*73.1707%2,024
Condition Ratios (%)
Loss allowance to loans1.0195%5,856
Loan loss allowance to noncurrent loans5,775.0000%122
Noncurrent assets plus other real estate owned to assets0.1600%6,930
Noncurrent loans to loans0.0177%7,460
Net loans and leases to total assets57.8816%6,213
Net loans and leases to deposits67.6139%6,496
Net loans and leases to core deposits81.3394%6,512
Total domestic deposits to total assets85.6061%2,582
Equity capital to assets10.9819%3,052
Core capital (leverage) ratio11.0786%2,529
Tier 1 risk-based capital ratio19.6362%1,675
Total risk-based capital ratio20.7220%1,672
Memoranda:
Average total assets$78,916,2005,732
Average earning assets$71,531,4005,760
Average equity$8,442,8005,927
Average total loans$46,022,8005,873