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Bank of the West, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6926%4,316
Cost of funding earning assets0.1067%4,335
Net interest margin2.5859%4,066
Noninterest income to average assets0.5923%2,194
Noninterest expense to average assets1.8625%4,016
Loan and lease loss provision to assets-0.0548%4,377
Net operating income to assets0.9017%3,040
Return on assets (ROA)0.9670%2,871
Pretax return on assets1.2303%2,571
Return on Equity (ROE)7.0921%3,489
Retained earnings to average equity (ytd only)1.6336%4,082
Net charge-offs to loans0.0707%1,082
Credit loss provision to net charge-offs-133.4372%3,424
Earnings coverage of net charge-offs (x)26.5798%1,695
Efficiency ratio63.0454%2,709
Assets per employee ($millions)11.6876%429
Cash dividends to net income (ytd only)*76.9659%560
Condition Ratios (%)
Loss allowance to loans1.2980%2,366
Loan loss allowance to noncurrent loans213.7189%2,492
Noncurrent assets plus other real estate owned to assets0.3376%1,877
Noncurrent loans to loans0.6074%1,623
Net loans and leases to total assets54.0600%2,843
Net loans and leases to deposits63.2940%2,755
Net loans and leases to core deposits68.6246%2,595
Total domestic deposits to total assets85.4108%3,127
Equity capital to assets12.8946%932
Core capital (leverage) ratio10.0387%2,334
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3233%1,732
Memoranda:
Average total assets$100,766,764,40033
Average earning assets$92,039,388,60034
Average equity$13,739,972,80026
Average total loans$58,505,888,20029
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7142%4,391
Cost of funding earning assets0.1132%4,402
Net interest margin2.6009%4,130
Noninterest income to average assets0.5955%2,232
Noninterest expense to average assets1.8410%4,082
Loan and lease loss provision to assets-0.0488%4,450
Net operating income to assets0.9245%3,167
Return on assets (ROA)0.9939%3,009
Pretax return on assets1.2674%2,709
Return on Equity (ROE)7.1863%3,620
Retained earnings to average equity (ytd only)2.3544%4,092
Net charge-offs to loans0.0749%908
Credit loss provision to net charge-offs-110.5019%3,244
Earnings coverage of net charge-offs (x)25.5889%1,614
Efficiency ratio61.9721%2,707
Assets per employee ($millions)11.8440%386
Cash dividends to net income (ytd only)*67.2375%648
Condition Ratios (%)
Loss allowance to loans1.3572%2,191
Loan loss allowance to noncurrent loans163.3421%2,817
Noncurrent assets plus other real estate owned to assets0.4560%1,665
Noncurrent loans to loans0.8309%1,377
Net loans and leases to total assets53.2346%3,054
Net loans and leases to deposits62.8111%2,971
Net loans and leases to core deposits73.1612%2,306
Total domestic deposits to total assets84.7535%3,200
Equity capital to assets12.9898%985
Core capital (leverage) ratio9.9973%2,507
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6034%1,760
Memoranda:
Average total assets$99,760,781,00033
Average earning assets$91,099,591,75034
Average equity$13,796,875,00026
Average total loans$58,783,654,50030
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7899%4,357
Cost of funding earning assets0.1206%4,438
Net interest margin2.6693%4,040
Noninterest income to average assets0.5978%2,228
Noninterest expense to average assets1.8397%4,097
Loan and lease loss provision to assets-0.0488%4,515
Net operating income to assets0.9747%2,979
Return on assets (ROA)1.0769%2,688
Pretax return on assets1.3703%2,415
Return on Equity (ROE)7.6208%3,498
Retained earnings to average equity (ytd only)4.0059%3,515
Net charge-offs to loans0.0723%913
Credit loss provision to net charge-offs-111.1857%3,078
Earnings coverage of net charge-offs (x)27.1467%1,370
Efficiency ratio60.7091%2,912
Assets per employee ($millions)10.9602%465
Cash dividends to net income (ytd only)*47.4351%1,321
Condition Ratios (%)
Loss allowance to loans1.3769%2,069
Loan loss allowance to noncurrent loans151.6293%2,858
Noncurrent assets plus other real estate owned to assets0.5378%1,546
Noncurrent loans to loans0.9080%1,365
Net loans and leases to total assets57.5097%2,729
Net loans and leases to deposits68.3612%2,582
Net loans and leases to core deposits75.5939%2,279
Total domestic deposits to total assets84.1262%3,388
Equity capital to assets13.9053%733
Core capital (leverage) ratio10.2154%2,201
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7269%1,713
Memoranda:
Average total assets$97,877,072,00034
Average earning assets$89,199,122,33335
Average equity$13,831,551,66726
Average total loans$59,415,641,33330
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7787%4,394
Cost of funding earning assets0.1306%4,455
Net interest margin2.6481%4,061
Noninterest income to average assets0.6044%2,186
Noninterest expense to average assets1.8406%4,134
Loan and lease loss provision to assets-0.0665%4,675
Net operating income to assets0.9778%2,878
Return on assets (ROA)1.1852%2,280
Pretax return on assets1.5055%1,977
Return on Equity (ROE)8.3188%3,236
Retained earnings to average equity (ytd only)8.3188%2,144
Net charge-offs to loans0.0804%793
Credit loss provision to net charge-offs-133.4765%2,877
Earnings coverage of net charge-offs (x)23.5997%1,189
Efficiency ratio61.0262%2,909
Assets per employee ($millions)10.7067%485
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3613%2,139
Loan loss allowance to noncurrent loans162.7292%2,674
Noncurrent assets plus other real estate owned to assets0.5163%1,836
Noncurrent loans to loans0.8366%1,596
Net loans and leases to total assets59.8955%2,552
Net loans and leases to deposits71.2550%2,393
Net loans and leases to core deposits78.1299%2,174
Total domestic deposits to total assets84.0580%3,415
Equity capital to assets13.9009%690
Core capital (leverage) ratio10.5383%2,053
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7836%1,646
Memoranda:
Average total assets$97,226,117,50034
Average earning assets$88,546,655,00035
Average equity$13,851,767,00025
Average total loans$60,206,530,00030
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1166%4,549
Cost of funding earning assets0.4204%3,455
Net interest margin2.6961%4,379
Noninterest income to average assets0.5606%2,372
Noninterest expense to average assets1.9424%4,246
Loan and lease loss provision to assets0.3306%1,085
Net operating income to assets0.5614%3,867
Return on assets (ROA)0.6098%3,838
Pretax return on assets0.7988%3,629
Return on Equity (ROE)4.3532%4,076
Retained earnings to average equity (ytd only)3.7665%2,937
Net charge-offs to loans0.1563%1,050
Credit loss provision to net charge-offs329.4602%1,644
Earnings coverage of net charge-offs (x)10.6401%2,446
Efficiency ratio64.5302%2,735
Assets per employee ($millions)10.3723%473
Cash dividends to net income (ytd only)*13.4769%3,469
Condition Ratios (%)
Loss allowance to loans1.3873%2,018
Loan loss allowance to noncurrent loans168.6809%2,624
Noncurrent assets plus other real estate owned to assets0.5283%1,968
Noncurrent loans to loans0.8224%1,702
Net loans and leases to total assets62.2794%2,571
Net loans and leases to deposits74.9891%2,380
Net loans and leases to core deposits82.3622%2,170
Total domestic deposits to total assets83.0513%3,397
Equity capital to assets14.6015%654
Core capital (leverage) ratio10.2918%2,324
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9837%1,853
Memoranda:
Average total assets$97,340,603,20033
Average earning assets$88,433,257,80033
Average equity$13,636,324,00025
Average total loans$62,488,341,40029
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1651%4,620
Cost of funding earning assets0.5012%3,213
Net interest margin2.6639%4,506
Noninterest income to average assets0.5567%2,366
Noninterest expense to average assets1.9036%4,320
Loan and lease loss provision to assets0.4208%801
Net operating income to assets0.4773%4,093
Return on assets (ROA)0.5415%4,021
Pretax return on assets0.7340%3,814
Return on Equity (ROE)3.9058%4,180
Retained earnings to average equity (ytd only)3.1180%3,465
Net charge-offs to loans0.1670%884
Credit loss provision to net charge-offs391.0465%1,486
Earnings coverage of net charge-offs (x)9.9720%2,389
Efficiency ratio63.9520%2,743
Assets per employee ($millions)10.2310%473
Cash dividends to net income (ytd only)*20.1709%2,764
Condition Ratios (%)
Loss allowance to loans1.3719%1,865
Loan loss allowance to noncurrent loans168.6912%2,490
Noncurrent assets plus other real estate owned to assets0.5318%2,107
Noncurrent loans to loans0.8133%1,796
Net loans and leases to total assets63.2205%2,860
Net loans and leases to deposits77.4092%2,603
Net loans and leases to core deposits84.6294%2,418
Total domestic deposits to total assets81.6705%3,501
Equity capital to assets14.3892%764
Core capital (leverage) ratio10.0399%2,683
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6065%1,960
Memoranda:
Average total assets$97,661,254,50031
Average earning assets$88,720,023,75032
Average equity$13,538,931,50025
Average total loans$62,943,929,00029
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2643%4,675
Cost of funding earning assets0.6144%2,896
Net interest margin2.6499%4,610
Noninterest income to average assets0.5487%2,361
Noninterest expense to average assets1.8715%4,461
Loan and lease loss provision to assets0.4505%852
Net operating income to assets0.4645%4,098
Return on assets (ROA)0.4590%4,178
Pretax return on assets0.6275%4,010
Return on Equity (ROE)3.3528%4,274
Retained earnings to average equity (ytd only)2.1617%3,694
Net charge-offs to loans0.1744%855
Credit loss provision to net charge-offs400.2119%1,402
Earnings coverage of net charge-offs (x)9.6328%2,206
Efficiency ratio63.3146%2,911
Assets per employee ($millions)10.3638%454
Cash dividends to net income (ytd only)*35.5263%2,111
Condition Ratios (%)
Loss allowance to loans1.2320%2,344
Loan loss allowance to noncurrent loans155.2811%2,550
Noncurrent assets plus other real estate owned to assets0.5129%2,300
Noncurrent loans to loans0.7934%1,909
Net loans and leases to total assets62.7948%3,034
Net loans and leases to deposits78.1725%2,634
Net loans and leases to core deposits88.8663%2,169
Total domestic deposits to total assets80.3285%3,768
Equity capital to assets13.7837%901
Core capital (leverage) ratio9.4056%3,465
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0375%2,164
Memoranda:
Average total assets$98,113,489,66730
Average earning assets$89,128,423,66732
Average equity$13,432,754,66726
Average total loans$63,348,208,33329
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4627%4,673
Cost of funding earning assets0.7992%2,400
Net interest margin2.6635%4,696
Noninterest income to average assets0.5644%2,211
Noninterest expense to average assets1.9176%4,519
Loan and lease loss provision to assets0.2217%1,392
Net operating income to assets0.6240%3,531
Return on assets (ROA)0.6139%3,619
Pretax return on assets0.8288%3,337
Return on Equity (ROE)4.4998%3,822
Retained earnings to average equity (ytd only)2.0860%3,417
Net charge-offs to loans0.2406%593
Credit loss provision to net charge-offs141.5733%1,615
Earnings coverage of net charge-offs (x)6.7852%1,966
Efficiency ratio64.3506%3,182
Assets per employee ($millions)10.6282%325
Cash dividends to net income (ytd only)*53.6423%1,535
Condition Ratios (%)
Loss allowance to loans0.9930%3,748
Loan loss allowance to noncurrent loans153.4993%2,504
Noncurrent assets plus other real estate owned to assets0.4187%2,788
Noncurrent loans to loans0.6469%2,372
Net loans and leases to total assets62.2888%3,270
Net loans and leases to deposits87.4803%1,810
Net loans and leases to core deposits102.1658%1,307
Total domestic deposits to total assets71.2032%4,806
Equity capital to assets13.4565%1,240
Core capital (leverage) ratio9.9094%3,546
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3311%2,558
Memoranda:
Average total assets$97,170,162,50030
Average earning assets$88,126,687,50031
Average equity$13,257,263,00027
Average total loans$63,233,237,50029
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9272%4,379
Cost of funding earning assets1.0867%1,380
Net interest margin2.8405%4,722
Noninterest income to average assets0.5854%2,295
Noninterest expense to average assets2.0535%4,445
Loan and lease loss provision to assets0.1722%1,213
Net operating income to assets0.6767%3,933
Return on assets (ROA)0.6844%3,982
Pretax return on assets0.9260%3,662
Return on Equity (ROE)4.8934%4,235
Retained earnings to average equity (ytd only)1.9994%4,002
Net charge-offs to loans0.2394%856
Credit loss provision to net charge-offs103.0134%2,409
Earnings coverage of net charge-offs (x)6.5073%2,972
Efficiency ratio65.3775%2,861
Assets per employee ($millions)9.5834%399
Cash dividends to net income (ytd only)*59.1404%1,618
Condition Ratios (%)
Loss allowance to loans0.9850%3,592
Loan loss allowance to noncurrent loans177.8336%2,298
Noncurrent assets plus other real estate owned to assets0.3821%2,883
Noncurrent loans to loans0.5539%2,519
Net loans and leases to total assets66.7671%2,863
Net loans and leases to deposits88.0670%1,836
Net loans and leases to core deposits101.5102%1,442
Total domestic deposits to total assets75.8140%4,619
Equity capital to assets13.8470%1,154
Core capital (leverage) ratio10.0103%3,509
Tier 1 risk-based capital ratio12.3623%4,150
Total risk-based capital ratio13.2811%4,218
Memoranda:
Average total assets$90,173,292,20032
Average earning assets$81,126,019,60033
Average equity$12,612,377,60027
Average total loans$62,950,117,60027
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9898%4,385
Cost of funding earning assets1.1123%1,300
Net interest margin2.8774%4,781
Noninterest income to average assets0.5944%2,230
Noninterest expense to average assets2.0361%4,486
Loan and lease loss provision to assets0.1411%1,367
Net operating income to assets0.7492%3,853
Return on assets (ROA)0.7666%3,853
Pretax return on assets1.0259%3,509
Return on Equity (ROE)5.4669%4,199
Retained earnings to average equity (ytd only)2.4384%4,125
Net charge-offs to loans0.1889%907
Credit loss provision to net charge-offs106.0959%2,150
Earnings coverage of net charge-offs (x)8.5996%2,642
Efficiency ratio64.0265%3,003
Assets per employee ($millions)9.4006%417
Cash dividends to net income (ytd only)*55.3972%1,449
Condition Ratios (%)
Loss allowance to loans0.9780%3,692
Loan loss allowance to noncurrent loans180.0757%2,263
Noncurrent assets plus other real estate owned to assets0.3858%2,969
Noncurrent loans to loans0.5431%2,667
Net loans and leases to total assets68.7871%2,655
Net loans and leases to deposits89.7351%1,731
Net loans and leases to core deposits105.7499%1,199
Total domestic deposits to total assets76.6557%4,564
Equity capital to assets14.1439%1,094
Core capital (leverage) ratio10.1739%3,453
Tier 1 risk-based capital ratio12.2582%4,276
Total risk-based capital ratio13.1749%4,342
Memoranda:
Average total assets$89,474,478,50033
Average earning assets$80,402,601,25034
Average equity$12,547,123,50028
Average total loans$63,015,168,75028
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0027%4,370
Cost of funding earning assets1.1014%1,298
Net interest margin2.9013%4,820
Noninterest income to average assets0.5721%2,276
Noninterest expense to average assets2.0531%4,511
Loan and lease loss provision to assets0.1193%1,566
Net operating income to assets0.7618%3,785
Return on assets (ROA)0.7818%3,781
Pretax return on assets1.0330%3,441
Return on Equity (ROE)5.5914%4,176
Retained earnings to average equity (ytd only)2.2951%4,017
Net charge-offs to loans0.1642%973
Credit loss provision to net charge-offs102.6525%1,926
Earnings coverage of net charge-offs (x)9.6904%2,326
Efficiency ratio64.5789%3,044
Assets per employee ($millions)9.2018%429
Cash dividends to net income (ytd only)*58.9540%1,438
Condition Ratios (%)
Loss allowance to loans0.9630%3,815
Loan loss allowance to noncurrent loans173.6908%2,382
Noncurrent assets plus other real estate owned to assets0.3944%2,926
Noncurrent loans to loans0.5544%2,610
Net loans and leases to total assets69.0962%2,661
Net loans and leases to deposits91.1634%1,602
Net loans and leases to core deposits110.4149%953
Total domestic deposits to total assets75.7939%4,694
Equity capital to assets13.9053%1,157
Core capital (leverage) ratio10.2348%3,352
Tier 1 risk-based capital ratio12.1508%4,329
Total risk-based capital ratio13.0617%4,413
Memoranda:
Average total assets$88,957,358,67033
Average earning assets$79,934,209,33034
Average equity$12,437,959,00028
Average total loans$62,942,747,67028
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0328%4,296
Cost of funding earning assets1.0698%1,289
Net interest margin2.9630%4,801
Noninterest income to average assets0.5617%2,221
Noninterest expense to average assets2.1555%4,358
Loan and lease loss provision to assets0.1496%1,126
Net operating income to assets0.7233%3,864
Return on assets (ROA)0.7206%3,919
Pretax return on assets0.9141%3,720
Return on Equity (ROE)5.1394%4,286
Retained earnings to average equity (ytd only)1.0742%4,292
Net charge-offs to loans0.2147%653
Credit loss provision to net charge-offs97.7594%1,648
Earnings coverage of net charge-offs (x)6.9645%2,163
Efficiency ratio66.9112%2,810
Assets per employee ($millions)8.8510%508
Cash dividends to net income (ytd only)*79.0984%946
Condition Ratios (%)
Loss allowance to loans0.9786%3,829
Loan loss allowance to noncurrent loans218.4742%2,047
Noncurrent assets plus other real estate owned to assets0.3254%3,295
Noncurrent loans to loans0.4479%2,978
Net loans and leases to total assets70.2639%2,444
Net loans and leases to deposits92.7046%1,316
Net loans and leases to core deposits111.4759%860
Total domestic deposits to total assets75.7933%4,788
Equity capital to assets14.0744%1,011
Core capital (leverage) ratio10.2463%3,336
Tier 1 risk-based capital ratio12.2457%4,327
Total risk-based capital ratio13.1958%4,385
Memoranda:
Average total assets$87,716,905,00034
Average earning assets$78,739,125,50035
Average equity$12,299,578,50029
Average total loans$62,516,755,50029
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8116%4,461
Cost of funding earning assets0.8614%1,259
Net interest margin2.9502%4,852
Noninterest income to average assets0.5690%2,454
Noninterest expense to average assets2.0849%4,600
Loan and lease loss provision to assets0.1269%1,727
Net operating income to assets0.7846%3,859
Return on assets (ROA)0.7802%3,881
Pretax return on assets1.0079%3,568
Return on Equity (ROE)5.7557%4,249
Retained earnings to average equity (ytd only)1.8080%4,425
Net charge-offs to loans0.1955%983
Credit loss provision to net charge-offs93.4216%2,674
Earnings coverage of net charge-offs (x)8.3850%2,899
Efficiency ratio64.6630%3,090
Assets per employee ($millions)8.6622%518
Cash dividends to net income (ytd only)*68.5872%1,142
Condition Ratios (%)
Loss allowance to loans0.9797%3,811
Loan loss allowance to noncurrent loans213.6785%2,130
Noncurrent assets plus other real estate owned to assets0.3369%3,203
Noncurrent loans to loans0.4585%2,897
Net loans and leases to total assets70.8913%2,433
Net loans and leases to deposits93.4514%1,341
Net loans and leases to core deposits112.6499%852
Total domestic deposits to total assets75.8590%4,770
Equity capital to assets13.9491%988
Core capital (leverage) ratio10.1334%3,417
Tier 1 risk-based capital ratio12.1476%4,326
Total risk-based capital ratio13.0926%4,417
Memoranda:
Average total assets$88,760,986,20032
Average earning assets$79,885,212,40033
Average equity$12,032,417,00029
Average total loans$61,682,653,00029
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7357%4,580
Cost of funding earning assets0.8096%1,290
Net interest margin2.9261%4,940
Noninterest income to average assets0.5659%2,491
Noninterest expense to average assets2.0848%4,585
Loan and lease loss provision to assets0.1010%1,978
Net operating income to assets0.7674%4,021
Return on assets (ROA)0.7637%4,042
Pretax return on assets1.0111%3,687
Return on Equity (ROE)5.6742%4,367
Retained earnings to average equity (ytd only)1.7831%4,643
Net charge-offs to loans0.1741%956
Credit loss provision to net charge-offs84.0916%2,481
Earnings coverage of net charge-offs (x)9.2898%2,651
Efficiency ratio65.1364%3,014
Assets per employee ($millions)8.6701%500
Cash dividends to net income (ytd only)*68.5747%906
Condition Ratios (%)
Loss allowance to loans0.9790%3,899
Loan loss allowance to noncurrent loans202.7722%2,222
Noncurrent assets plus other real estate owned to assets0.3520%3,266
Noncurrent loans to loans0.4828%2,939
Net loans and leases to total assets70.1916%2,615
Net loans and leases to deposits92.2579%1,587
Net loans and leases to core deposits111.2438%953
Total domestic deposits to total assets76.0820%4,781
Equity capital to assets13.6172%1,095
Core capital (leverage) ratio10.0142%3,619
Tier 1 risk-based capital ratio12.3017%4,318
Total risk-based capital ratio13.2477%4,387
Memoranda:
Average total assets$89,103,093,50032
Average earning assets$80,230,092,00033
Average equity$11,992,909,25029
Average total loans$61,461,640,50029
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6527%4,681
Cost of funding earning assets0.7564%1,343
Net interest margin2.8963%5,018
Noninterest income to average assets0.5572%2,540
Noninterest expense to average assets2.0562%4,694
Loan and lease loss provision to assets0.0876%2,166
Net operating income to assets0.7761%3,933
Return on assets (ROA)0.7728%3,951
Pretax return on assets1.0194%3,602
Return on Equity (ROE)5.7639%4,324
Retained earnings to average equity (ytd only)2.0179%4,447
Net charge-offs to loans0.1480%1,037
Credit loss provision to net charge-offs86.5787%2,200
Earnings coverage of net charge-offs (x)10.9723%2,301
Efficiency ratio64.9358%3,171
Assets per employee ($millions)8.8714%467
Cash dividends to net income (ytd only)*64.9898%1,151
Condition Ratios (%)
Loss allowance to loans1.0014%3,830
Loan loss allowance to noncurrent loans192.2434%2,329
Noncurrent assets plus other real estate owned to assets0.3671%3,266
Noncurrent loans to loans0.5209%2,858
Net loans and leases to total assets67.8693%2,891
Net loans and leases to deposits88.6552%2,022
Net loans and leases to core deposits106.6774%1,195
Total domestic deposits to total assets76.5542%4,791
Equity capital to assets13.3576%1,160
Core capital (leverage) ratio9.9425%3,641
Tier 1 risk-based capital ratio12.2904%4,316
Total risk-based capital ratio13.2512%4,372
Memoranda:
Average total assets$89,594,497,00032
Average earning assets$80,715,273,67032
Average equity$12,013,021,00030
Average total loans$61,243,431,33029
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5553%4,785
Cost of funding earning assets0.7031%1,423
Net interest margin2.8522%5,096
Noninterest income to average assets0.5378%2,590
Noninterest expense to average assets2.0905%4,680
Loan and lease loss provision to assets0.1440%1,302
Net operating income to assets0.6812%4,167
Return on assets (ROA)0.6762%4,188
Pretax return on assets0.8680%3,955
Return on Equity (ROE)5.0340%4,476
Retained earnings to average equity (ytd only)1.7113%4,436
Net charge-offs to loans0.1885%778
Credit loss provision to net charge-offs111.8939%1,441
Earnings coverage of net charge-offs (x)7.9066%2,060
Efficiency ratio67.2620%2,959
Assets per employee ($millions)8.8592%467
Cash dividends to net income (ytd only)*66.0057%1,100
Condition Ratios (%)
Loss allowance to loans1.0196%3,844
Loan loss allowance to noncurrent loans177.1019%2,463
Noncurrent assets plus other real estate owned to assets0.4045%3,208
Noncurrent loans to loans0.5757%2,817
Net loans and leases to total assets67.7398%2,794
Net loans and leases to deposits88.0953%1,918
Net loans and leases to core deposits104.5996%1,337
Total domestic deposits to total assets76.8937%4,868
Equity capital to assets13.3591%1,086
Core capital (leverage) ratio9.8060%3,748
Tier 1 risk-based capital ratio12.1966%4,434
Total risk-based capital ratio13.1800%4,487
Memoranda:
Average total assets$89,613,153,50030
Average earning assets$80,750,961,50031
Average equity$12,038,205,50029
Average total loans$61,166,829,50028
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4827%4,807
Cost of funding earning assets0.5092%2,256
Net interest margin2.9734%4,940
Noninterest income to average assets0.5544%2,687
Noninterest expense to average assets2.0378%4,896
Loan and lease loss provision to assets0.1628%1,371
Net operating income to assets0.5035%4,367
Return on assets (ROA)0.5044%4,399
Pretax return on assets1.0269%3,468
Return on Equity (ROE)3.5914%4,651
Retained earnings to average equity (ytd only)0.3087%4,904
Net charge-offs to loans0.1999%1,288
Credit loss provision to net charge-offs117.3431%2,228
Earnings coverage of net charge-offs (x)8.5528%2,897
Efficiency ratio62.9646%3,782
Assets per employee ($millions)8.9892%452
Cash dividends to net income (ytd only)*91.4043%509
Condition Ratios (%)
Loss allowance to loans1.0159%3,838
Loan loss allowance to noncurrent loans191.5989%2,365
Noncurrent assets plus other real estate owned to assets0.3680%3,391
Noncurrent loans to loans0.5302%2,917
Net loans and leases to total assets67.3845%2,902
Net loans and leases to deposits86.8288%2,155
Net loans and leases to core deposits104.8098%1,355
Total domestic deposits to total assets77.6061%4,778
Equity capital to assets13.5077%1,059
Core capital (leverage) ratio9.8130%3,685
Tier 1 risk-based capital ratio12.1057%4,460
Total risk-based capital ratio13.0776%4,529
Memoranda:
Average total assets$86,764,973,40030
Average earning assets$77,913,977,20030
Average equity$12,184,976,20028
Average total loans$60,235,295,00026
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4647%4,874
Cost of funding earning assets0.4754%2,474
Net interest margin2.9893%4,940
Noninterest income to average assets0.5548%2,703
Noninterest expense to average assets2.0682%4,801
Loan and lease loss provision to assets0.1607%1,276
Net operating income to assets0.6471%4,201
Return on assets (ROA)0.6449%4,267
Pretax return on assets1.0061%3,663
Return on Equity (ROE)4.5471%4,693
Retained earnings to average equity (ytd only)1.2685%4,896
Net charge-offs to loans0.2199%986
Credit loss provision to net charge-offs104.7744%2,209
Earnings coverage of net charge-offs (x)7.6181%2,856
Efficiency ratio63.6454%3,617
Assets per employee ($millions)9.0913%422
Cash dividends to net income (ytd only)*72.1038%895
Condition Ratios (%)
Loss allowance to loans0.9886%4,125
Loan loss allowance to noncurrent loans182.5014%2,393
Noncurrent assets plus other real estate owned to assets0.3813%3,503
Noncurrent loans to loans0.5417%3,078
Net loans and leases to total assets67.4974%2,920
Net loans and leases to deposits88.9467%1,931
Net loans and leases to core deposits107.2638%1,185
Total domestic deposits to total assets75.8852%5,031
Equity capital to assets13.7018%1,076
Core capital (leverage) ratio9.9837%3,586
Tier 1 risk-based capital ratio12.1027%4,545
Total risk-based capital ratio13.0527%4,634
Memoranda:
Average total assets$86,014,800,00030
Average earning assets$77,177,337,50031
Average equity$12,199,894,75028
Average total loans$60,016,873,75026
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4328%4,908
Cost of funding earning assets0.4321%2,786
Net interest margin3.0007%4,915
Noninterest income to average assets0.5430%2,753
Noninterest expense to average assets2.1166%4,742
Loan and lease loss provision to assets0.1670%1,188
Net operating income to assets0.6135%4,243
Return on assets (ROA)0.6124%4,292
Pretax return on assets0.9479%3,772
Return on Equity (ROE)4.2663%4,746
Retained earnings to average equity (ytd only)0.9791%4,842
Net charge-offs to loans0.2236%910
Credit loss provision to net charge-offs106.1995%1,932
Earnings coverage of net charge-offs (x)7.0891%2,642
Efficiency ratio65.2446%3,468
Assets per employee ($millions)8.6102%481
Cash dividends to net income (ytd only)*77.0493%928
Condition Ratios (%)
Loss allowance to loans1.0016%4,135
Loan loss allowance to noncurrent loans167.3063%2,574
Noncurrent assets plus other real estate owned to assets0.4364%3,370
Noncurrent loans to loans0.5986%2,940
Net loans and leases to total assets68.7023%2,705
Net loans and leases to deposits93.1823%1,345
Net loans and leases to core deposits109.1783%1,042
Total domestic deposits to total assets73.7289%5,317
Equity capital to assets14.0527%946
Core capital (leverage) ratio10.2893%3,158
Tier 1 risk-based capital ratio12.1599%4,517
Total risk-based capital ratio13.1212%4,608
Memoranda:
Average total assets$84,779,013,33030
Average earning assets$75,957,505,67031
Average equity$12,168,680,67028
Average total loans$59,634,239,67026
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4046%4,916
Cost of funding earning assets0.3963%3,029
Net interest margin3.0084%4,876
Noninterest income to average assets0.5163%2,862
Noninterest expense to average assets2.1508%4,751
Loan and lease loss provision to assets0.1359%1,406
Net operating income to assets0.5921%4,196
Return on assets (ROA)0.5843%4,271
Pretax return on assets0.9128%3,716
Return on Equity (ROE)4.0268%4,771
Retained earnings to average equity (ytd only)0.7337%4,739
Net charge-offs to loans0.1348%1,122
Credit loss provision to net charge-offs142.3067%1,251
Earnings coverage of net charge-offs (x)11.0844%1,907
Efficiency ratio66.7588%3,371
Assets per employee ($millions)8.3081%543
Cash dividends to net income (ytd only)*81.7809%949
Condition Ratios (%)
Loss allowance to loans1.0253%4,130
Loan loss allowance to noncurrent loans175.7110%2,514
Noncurrent assets plus other real estate owned to assets0.4395%3,435
Noncurrent loans to loans0.5835%3,056
Net loans and leases to total assets70.1703%2,349
Net loans and leases to deposits92.8605%1,239
Net loans and leases to core deposits110.7444%845
Total domestic deposits to total assets75.5653%5,277
Equity capital to assets14.5057%754
Core capital (leverage) ratio10.4985%2,902
Tier 1 risk-based capital ratio12.2569%4,539
Total risk-based capital ratio13.2388%4,619
Memoranda:
Average total assets$83,712,883,50031
Average earning assets$74,937,092,00031
Average equity$12,146,310,00027
Average total loans$59,294,309,00026
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4092%4,963
Cost of funding earning assets0.3229%3,814
Net interest margin3.0863%4,763
Noninterest income to average assets0.6238%2,535
Noninterest expense to average assets2.1475%4,902
Loan and lease loss provision to assets0.1569%1,589
Net operating income to assets0.6802%3,870
Return on assets (ROA)0.7345%3,734
Pretax return on assets1.1548%2,874
Return on Equity (ROE)4.7684%4,529
Retained earnings to average equity (ytd only)1.5189%4,656
Net charge-offs to loans0.1941%1,428
Credit loss provision to net charge-offs114.0177%2,307
Earnings coverage of net charge-offs (x)8.9050%2,821
Efficiency ratio63.2084%4,072
Assets per employee ($millions)8.2631%541
Cash dividends to net income (ytd only)*68.1459%1,414
Condition Ratios (%)
Loss allowance to loans1.0126%4,238
Loan loss allowance to noncurrent loans183.4366%2,405
Noncurrent assets plus other real estate owned to assets0.4169%3,600
Noncurrent loans to loans0.5520%3,191
Net loans and leases to total assets70.0474%2,461
Net loans and leases to deposits94.1765%1,181
Net loans and leases to core deposits111.7783%792
Total domestic deposits to total assets74.3789%5,410
Equity capital to assets14.5132%728
Core capital (leverage) ratio10.6557%2,714
Tier 1 risk-based capital ratio12.2099%4,569
Total risk-based capital ratio13.1788%4,659
Memoranda:
Average total assets$79,911,313,40032
Average earning assets$71,175,600,80033
Average equity$12,309,624,60026
Average total loans$56,637,297,80025
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3870%5,052
Cost of funding earning assets0.3153%3,923
Net interest margin3.0717%4,854
Noninterest income to average assets0.6375%2,488
Noninterest expense to average assets2.1691%4,852
Loan and lease loss provision to assets0.1452%1,614
Net operating income to assets0.6747%3,986
Return on assets (ROA)0.7401%3,775
Pretax return on assets1.1604%2,998
Return on Equity (ROE)4.7321%4,625
Retained earnings to average equity (ytd only)1.4930%4,917
Net charge-offs to loans0.2063%1,133
Credit loss provision to net charge-offs99.2313%2,396
Earnings coverage of net charge-offs (x)8.2173%2,796
Efficiency ratio63.8685%3,953
Assets per employee ($millions)8.1355%555
Cash dividends to net income (ytd only)*68.4486%1,090
Condition Ratios (%)
Loss allowance to loans1.0065%4,366
Loan loss allowance to noncurrent loans188.4775%2,341
Noncurrent assets plus other real estate owned to assets0.3908%3,858
Noncurrent loans to loans0.5340%3,392
Net loans and leases to total assets69.5488%2,562
Net loans and leases to deposits94.5480%1,202
Net loans and leases to core deposits109.2506%968
Total domestic deposits to total assets73.5593%5,472
Equity capital to assets15.0889%717
Core capital (leverage) ratio10.7991%2,686
Tier 1 risk-based capital ratio12.4073%4,528
Total risk-based capital ratio13.3702%4,624
Memoranda:
Average total assets$78,956,630,75032
Average earning assets$70,273,231,75033
Average equity$12,349,044,00025
Average total loans$55,983,955,50025
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4068%5,063
Cost of funding earning assets0.3033%4,088
Net interest margin3.1035%4,824
Noninterest income to average assets0.6589%2,334
Noninterest expense to average assets2.1393%4,976
Loan and lease loss provision to assets0.1499%1,532
Net operating income to assets0.7249%3,673
Return on assets (ROA)0.7985%3,459
Pretax return on assets1.2443%2,621
Return on Equity (ROE)5.0424%4,498
Retained earnings to average equity (ytd only)1.7937%4,658
Net charge-offs to loans0.2362%997
Credit loss provision to net charge-offs89.2301%2,250
Earnings coverage of net charge-offs (x)7.6008%2,611
Efficiency ratio62.1467%4,330
Assets per employee ($millions)7.9391%577
Cash dividends to net income (ytd only)*64.4282%1,361
Condition Ratios (%)
Loss allowance to loans1.0229%4,389
Loan loss allowance to noncurrent loans189.7070%2,384
Noncurrent assets plus other real estate owned to assets0.3953%3,912
Noncurrent loans to loans0.5392%3,459
Net loans and leases to total assets69.4454%2,563
Net loans and leases to deposits97.0539%960
Net loans and leases to core deposits110.9976%874
Total domestic deposits to total assets71.5535%5,695
Equity capital to assets15.5042%624
Core capital (leverage) ratio11.3122%2,138
Tier 1 risk-based capital ratio12.7596%4,340
Total risk-based capital ratio13.7426%4,440
Memoranda:
Average total assets$77,753,238,33031
Average earning assets$69,084,355,67032
Average equity$12,312,588,00025
Average total loans$55,309,238,67024
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4579%4,987
Cost of funding earning assets0.3022%4,141
Net interest margin3.1556%4,715
Noninterest income to average assets0.7444%1,840
Noninterest expense to average assets2.1970%4,911
Loan and lease loss provision to assets0.1594%1,307
Net operating income to assets0.7616%3,430
Return on assets (ROA)0.8899%2,932
Pretax return on assets1.3855%1,942
Return on Equity (ROE)5.5587%4,194
Retained earnings to average equity (ytd only)2.2884%4,343
Net charge-offs to loans0.2362%863
Credit loss provision to net charge-offs94.1628%1,726
Earnings coverage of net charge-offs (x)7.9292%2,103
Efficiency ratio61.6124%4,506
Assets per employee ($millions)7.6823%645
Cash dividends to net income (ytd only)*58.8325%1,477
Condition Ratios (%)
Loss allowance to loans1.0604%4,285
Loan loss allowance to noncurrent loans194.5423%2,273
Noncurrent assets plus other real estate owned to assets0.4005%3,989
Noncurrent loans to loans0.5451%3,550
Net loans and leases to total assets70.5549%2,260
Net loans and leases to deposits98.1725%745
Net loans and leases to core deposits109.6774%868
Total domestic deposits to total assets71.8683%5,780
Equity capital to assets16.0325%532
Core capital (leverage) ratio11.3875%2,063
Tier 1 risk-based capital ratio13.1940%4,145
Total risk-based capital ratio14.2197%4,200
Memoranda:
Average total assets$76,398,362,50031
Average earning assets$67,657,855,00032
Average equity$12,231,297,50025
Average total loans$54,736,176,50024
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4783%4,983
Cost of funding earning assets0.2481%4,804
Net interest margin3.2302%4,532
Noninterest income to average assets0.7555%1,953
Noninterest expense to average assets2.1906%5,063
Loan and lease loss provision to assets0.0990%2,331
Net operating income to assets0.8533%3,092
Return on assets (ROA)0.8601%3,136
Pretax return on assets1.3211%2,198
Return on Equity (ROE)5.2250%4,395
Retained earnings to average equity (ytd only)1.8956%4,644
Net charge-offs to loans0.1704%1,668
Credit loss provision to net charge-offs81.1743%2,928
Earnings coverage of net charge-offs (x)11.5346%2,563
Efficiency ratio60.3815%4,860
Assets per employee ($millions)7.6116%654
Cash dividends to net income (ytd only)*63.7196%1,549
Condition Ratios (%)
Loss allowance to loans1.0721%4,199
Loan loss allowance to noncurrent loans186.3988%2,383
Noncurrent assets plus other real estate owned to assets0.4292%3,893
Noncurrent loans to loans0.5751%3,447
Net loans and leases to total assets71.2145%2,167
Net loans and leases to deposits99.6065%704
Net loans and leases to core deposits110.7817%820
Total domestic deposits to total assets71.4958%5,823
Equity capital to assets15.9869%522
Core capital (leverage) ratio11.4190%2,025
Tier 1 risk-based capital ratio13.2069%4,165
Total risk-based capital ratio14.2499%4,227
Memoranda:
Average total assets$72,986,357,60031
Average earning assets$64,222,847,80033
Average equity$12,014,426,20025
Average total loans$52,243,582,00025
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4721%5,042
Cost of funding earning assets0.2440%4,946
Net interest margin3.2282%4,583
Noninterest income to average assets0.7735%1,912
Noninterest expense to average assets2.2302%4,966
Loan and lease loss provision to assets0.0855%2,456
Net operating income to assets0.8394%3,224
Return on assets (ROA)0.8409%3,304
Pretax return on assets1.3004%2,397
Return on Equity (ROE)5.0700%4,593
Retained earnings to average equity (ytd only)1.7342%5,009
Net charge-offs to loans0.1935%1,317
Credit loss provision to net charge-offs61.7849%2,894
Earnings coverage of net charge-offs (x)9.9869%2,641
Efficiency ratio61.2353%4,683
Assets per employee ($millions)7.5534%670
Cash dividends to net income (ytd only)*65.7945%1,175
Condition Ratios (%)
Loss allowance to loans1.0832%4,323
Loan loss allowance to noncurrent loans169.1896%2,578
Noncurrent assets plus other real estate owned to assets0.4745%3,903
Noncurrent loans to loans0.6402%3,404
Net loans and leases to total assets70.6457%2,292
Net loans and leases to deposits98.2183%799
Net loans and leases to core deposits110.0219%875
Total domestic deposits to total assets71.1937%5,919
Equity capital to assets16.3819%511
Core capital (leverage) ratio11.7041%1,884
Tier 1 risk-based capital ratio13.4600%4,160
Total risk-based capital ratio14.5150%4,201
Memoranda:
Average total assets$72,297,172,50031
Average earning assets$63,558,372,50033
Average equity$11,990,790,50024
Average total loans$51,673,331,25025
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4574%5,089
Cost of funding earning assets0.2431%5,023
Net interest margin3.2143%4,616
Noninterest income to average assets0.7733%1,905
Noninterest expense to average assets2.2425%5,001
Loan and lease loss provision to assets0.0763%2,594
Net operating income to assets0.8275%3,230
Return on assets (ROA)0.8202%3,384
Pretax return on assets1.2695%2,471
Return on Equity (ROE)4.9246%4,652
Retained earnings to average equity (ytd only)1.5761%4,913
Net charge-offs to loans0.1546%1,555
Credit loss provision to net charge-offs69.0297%2,471
Earnings coverage of net charge-offs (x)12.2484%2,228
Efficiency ratio61.8186%4,699
Assets per employee ($millions)7.4049%693
Cash dividends to net income (ytd only)*67.9953%1,267
Condition Ratios (%)
Loss allowance to loans1.1378%4,145
Loan loss allowance to noncurrent loans157.7711%2,699
Noncurrent assets plus other real estate owned to assets0.5360%3,831
Noncurrent loans to loans0.7212%3,323
Net loans and leases to total assets70.5483%2,235
Net loans and leases to deposits99.5698%691
Net loans and leases to core deposits111.2110%774
Total domestic deposits to total assets69.8893%6,041
Equity capital to assets16.4945%466
Core capital (leverage) ratio11.7577%1,802
Tier 1 risk-based capital ratio13.4542%4,246
Total risk-based capital ratio14.5434%4,275
Memoranda:
Average total assets$71,721,932,67031
Average earning assets$62,989,896,33033
Average equity$11,945,595,67024
Average total loans$51,275,552,33025
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4372%5,124
Cost of funding earning assets0.2438%5,087
Net interest margin3.1934%4,634
Noninterest income to average assets0.6687%2,312
Noninterest expense to average assets2.2850%4,924
Loan and lease loss provision to assets0.0657%2,623
Net operating income to assets0.7290%3,648
Return on assets (ROA)0.7130%3,864
Pretax return on assets1.1000%3,079
Return on Equity (ROE)4.2599%4,863
Retained earnings to average equity (ytd only)0.9085%5,102
Net charge-offs to loans0.1886%1,172
Credit loss provision to net charge-offs48.7055%2,118
Earnings coverage of net charge-offs (x)8.7895%2,059
Efficiency ratio65.2656%4,273
Assets per employee ($millions)7.3832%717
Cash dividends to net income (ytd only)*78.6726%1,001
Condition Ratios (%)
Loss allowance to loans1.1509%4,257
Loan loss allowance to noncurrent loans162.4691%2,618
Noncurrent assets plus other real estate owned to assets0.5332%3,896
Noncurrent loans to loans0.7084%3,502
Net loans and leases to total assets71.3085%1,932
Net loans and leases to deposits98.4206%651
Net loans and leases to core deposits111.7587%669
Total domestic deposits to total assets71.2811%6,075
Equity capital to assets16.8888%442
Core capital (leverage) ratio11.8757%1,718
Tier 1 risk-based capital ratio13.3035%4,430
Total risk-based capital ratio14.3883%4,451
Memoranda:
Average total assets$71,310,150,50031
Average earning assets$62,584,671,00033
Average equity$11,935,379,50024
Average total loans$51,029,012,50025
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5277%5,256
Cost of funding earning assets0.2571%5,251
Net interest margin3.2706%4,682
Noninterest income to average assets0.6932%2,334
Noninterest expense to average assets2.2533%5,228
Loan and lease loss provision to assets0.0833%2,811
Net operating income to assets0.7879%3,435
Return on assets (ROA)0.7913%3,514
Pretax return on assets1.2191%2,576
Return on Equity (ROE)4.6105%4,841
Retained earnings to average equity (ytd only)1.2218%5,233
Net charge-offs to loans0.1853%2,189
Credit loss provision to net charge-offs63.2775%3,226
Earnings coverage of net charge-offs (x)9.8290%2,692
Efficiency ratio62.9430%4,761
Assets per employee ($millions)7.5678%640
Cash dividends to net income (ytd only)*73.4994%1,162
Condition Ratios (%)
Loss allowance to loans1.1817%4,117
Loan loss allowance to noncurrent loans167.2815%2,583
Noncurrent assets plus other real estate owned to assets0.5259%4,043
Noncurrent loans to loans0.7064%3,562
Net loans and leases to total assets70.1469%2,217
Net loans and leases to deposits96.4879%869
Net loans and leases to core deposits110.1371%766
Total domestic deposits to total assets71.5065%6,117
Equity capital to assets16.5873%472
Core capital (leverage) ratio11.8757%1,712
Tier 1 risk-based capital ratio13.4833%4,424
Total risk-based capital ratio14.6043%4,436
Memoranda:
Average total assets$68,779,962,20031
Average earning assets$60,032,454,60033
Average equity$11,803,869,20023
Average total loans$48,884,781,40025
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5319%5,315
Cost of funding earning assets0.2612%5,292
Net interest margin3.2706%4,718
Noninterest income to average assets0.7047%2,309
Noninterest expense to average assets2.2608%5,201
Loan and lease loss provision to assets0.0717%2,912
Net operating income to assets0.7691%3,570
Return on assets (ROA)0.7758%3,638
Pretax return on assets1.2363%2,632
Return on Equity (ROE)4.4810%4,973
Retained earnings to average equity (ytd only)1.0861%5,449
Net charge-offs to loans0.1522%2,270
Credit loss provision to net charge-offs66.2021%2,832
Earnings coverage of net charge-offs (x)11.9631%2,358
Efficiency ratio63.0113%4,723
Assets per employee ($millions)7.4410%657
Cash dividends to net income (ytd only)*75.7612%857
Condition Ratios (%)
Loss allowance to loans1.2448%3,989
Loan loss allowance to noncurrent loans143.2251%2,838
Noncurrent assets plus other real estate owned to assets0.6475%3,894
Noncurrent loans to loans0.8691%3,392
Net loans and leases to total assets70.9460%2,034
Net loans and leases to deposits96.2786%859
Net loans and leases to core deposits111.0229%707
Total domestic deposits to total assets72.5518%6,132
Equity capital to assets17.2101%404
Core capital (leverage) ratio11.9562%1,722
Tier 1 risk-based capital ratio13.7430%4,391
Total risk-based capital ratio14.9178%4,377
Memoranda:
Average total assets$68,054,367,00032
Average earning assets$59,320,498,50034
Average equity$11,782,295,50024
Average total loans$48,384,916,00026
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5161%5,376
Cost of funding earning assets0.2594%5,390
Net interest margin3.2567%4,754
Noninterest income to average assets0.6872%2,346
Noninterest expense to average assets2.3024%5,145
Loan and lease loss provision to assets0.0814%2,673
Net operating income to assets0.7165%3,752
Return on assets (ROA)0.7294%3,776
Pretax return on assets1.1625%2,826
Return on Equity (ROE)4.2043%5,059
Retained earnings to average equity (ytd only)0.8025%5,425
Net charge-offs to loans0.1582%2,126
Credit loss provision to net charge-offs72.6555%2,423
Earnings coverage of net charge-offs (x)10.8987%2,199
Efficiency ratio64.7585%4,575
Assets per employee ($millions)7.3847%667
Cash dividends to net income (ytd only)*80.9117%875
Condition Ratios (%)
Loss allowance to loans1.2814%3,961
Loan loss allowance to noncurrent loans127.2047%3,065
Noncurrent assets plus other real estate owned to assets0.7307%3,783
Noncurrent loans to loans1.0074%3,224
Net loans and leases to total assets69.5400%2,148
Net loans and leases to deposits97.1305%728
Net loans and leases to core deposits111.3409%633
Total domestic deposits to total assets70.6449%6,330
Equity capital to assets17.1053%401
Core capital (leverage) ratio12.0222%1,638
Tier 1 risk-based capital ratio13.9203%4,304
Total risk-based capital ratio15.1277%4,280
Memoranda:
Average total assets$67,781,068,33032
Average earning assets$59,038,598,67034
Average equity$11,758,620,67024
Average total loans$48,020,065,67026
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5206%5,371
Cost of funding earning assets0.2604%5,485
Net interest margin3.2602%4,704
Noninterest income to average assets0.6840%2,263
Noninterest expense to average assets2.2925%5,211
Loan and lease loss provision to assets0.0723%2,694
Net operating income to assets0.7318%3,535
Return on assets (ROA)0.7283%3,634
Pretax return on assets1.1543%2,678
Return on Equity (ROE)4.1681%4,953
Retained earnings to average equity (ytd only)0.7562%5,285
Net charge-offs to loans0.1906%1,589
Credit loss provision to net charge-offs53.3876%2,170
Earnings coverage of net charge-offs (x)9.0783%1,968
Efficiency ratio64.5160%4,774
Assets per employee ($millions)7.0887%776
Cash dividends to net income (ytd only)*81.8578%933
Condition Ratios (%)
Loss allowance to loans1.2998%4,122
Loan loss allowance to noncurrent loans120.3250%3,168
Noncurrent assets plus other real estate owned to assets0.7867%3,777
Noncurrent loans to loans1.0803%3,258
Net loans and leases to total assets69.9610%1,891
Net loans and leases to deposits94.3457%758
Net loans and leases to core deposits106.8755%721
Total domestic deposits to total assets72.8540%6,316
Equity capital to assets17.3491%362
Core capital (leverage) ratio12.2058%1,533
Tier 1 risk-based capital ratio14.1594%4,220
Total risk-based capital ratio15.3885%4,184
Memoranda:
Average total assets$67,096,392,50032
Average earning assets$58,403,561,50034
Average equity$11,723,745,50024
Average total loans$47,674,396,00026
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6864%5,174
Cost of funding earning assets0.2902%5,673
Net interest margin3.3962%4,285
Noninterest income to average assets0.7344%2,362
Noninterest expense to average assets2.3005%5,385
Loan and lease loss provision to assets0.0677%3,776
Net operating income to assets0.8106%3,240
Return on assets (ROA)0.8734%2,996
Pretax return on assets1.4029%1,766
Return on Equity (ROE)4.8035%4,717
Retained earnings to average equity (ytd only)2.2330%4,659
Net charge-offs to loans0.2606%2,403
Credit loss provision to net charge-offs36.3525%4,121
Earnings coverage of net charge-offs (x)7.3534%2,862
Efficiency ratio62.0813%5,195
Assets per employee ($millions)6.8046%847
Cash dividends to net income (ytd only)*53.5136%2,101
Condition Ratios (%)
Loss allowance to loans1.3404%3,935
Loan loss allowance to noncurrent loans108.9312%3,390
Noncurrent assets plus other real estate owned to assets0.8999%3,640
Noncurrent loans to loans1.2305%3,087
Net loans and leases to total assets70.2733%1,970
Net loans and leases to deposits96.5614%697
Net loans and leases to core deposits109.2310%640
Total domestic deposits to total assets71.3171%6,458
Equity capital to assets17.5992%344
Core capital (leverage) ratio12.3762%1,415
Tier 1 risk-based capital ratio14.4221%4,005
Total risk-based capital ratio15.6724%3,946
Memoranda:
Average total assets$64,183,588,40033
Average earning assets$55,494,040,00034
Average equity$11,670,673,00024
Average total loans$45,896,678,20026
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7308%5,083
Cost of funding earning assets0.2966%5,762
Net interest margin3.4342%4,150
Noninterest income to average assets0.7539%2,351
Noninterest expense to average assets2.2922%5,366
Loan and lease loss provision to assets0.0871%3,316
Net operating income to assets0.8318%3,184
Return on assets (ROA)0.8993%2,958
Pretax return on assets1.4459%1,777
Return on Equity (ROE)4.9044%4,772
Retained earnings to average equity (ytd only)2.6182%4,759
Net charge-offs to loans0.2458%2,340
Credit loss provision to net charge-offs49.4890%3,518
Earnings coverage of net charge-offs (x)8.1030%2,678
Efficiency ratio61.0643%5,275
Assets per employee ($millions)6.6814%858
Cash dividends to net income (ytd only)*46.6153%2,025
Condition Ratios (%)
Loss allowance to loans1.4482%3,692
Loan loss allowance to noncurrent loans108.0619%3,278
Noncurrent assets plus other real estate owned to assets0.9686%3,727
Noncurrent loans to loans1.3402%3,181
Net loans and leases to total assets69.8752%1,995
Net loans and leases to deposits95.2021%749
Net loans and leases to core deposits108.5018%647
Total domestic deposits to total assets71.8768%6,504
Equity capital to assets17.9079%330
Core capital (leverage) ratio12.6527%1,350
Tier 1 risk-based capital ratio14.7051%3,946
Total risk-based capital ratio15.9568%3,909
Memoranda:
Average total assets$63,612,540,25033
Average earning assets$54,906,713,25034
Average equity$11,663,894,00024
Average total loans$45,534,925,25026
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7650%4,945
Cost of funding earning assets0.3057%5,789
Net interest margin3.4593%3,959
Noninterest income to average assets0.7793%2,280
Noninterest expense to average assets2.3116%5,337
Loan and lease loss provision to assets0.0795%3,468
Net operating income to assets0.8498%3,044
Return on assets (ROA)0.9073%2,893
Pretax return on assets1.4609%1,738
Return on Equity (ROE)4.9088%4,774
Retained earnings to average equity (ytd only)3.1946%4,279
Net charge-offs to loans0.2249%2,388
Credit loss provision to net charge-offs49.2477%3,225
Earnings coverage of net charge-offs (x)8.9737%2,341
Efficiency ratio60.8809%5,352
Assets per employee ($millions)6.6163%858
Cash dividends to net income (ytd only)*34.9219%2,457
Condition Ratios (%)
Loss allowance to loans1.5000%3,592
Loan loss allowance to noncurrent loans121.8532%2,983
Noncurrent assets plus other real estate owned to assets0.9150%3,961
Noncurrent loans to loans1.2310%3,496
Net loans and leases to total assets70.7869%1,751
Net loans and leases to deposits96.1670%656
Net loans and leases to core deposits109.4358%583
Total domestic deposits to total assets72.2447%6,548
Equity capital to assets18.3197%297
Core capital (leverage) ratio12.9533%1,184
Tier 1 risk-based capital ratio14.9731%3,797
Total risk-based capital ratio16.2255%3,760
Memoranda:
Average total assets$63,122,091,67033
Average earning assets$54,406,171,33034
Average equity$11,666,807,67024
Average total loans$45,331,307,67027
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8112%4,794
Cost of funding earning assets0.3137%5,856
Net interest margin3.4975%3,709
Noninterest income to average assets0.8107%2,084
Noninterest expense to average assets2.3489%5,276
Loan and lease loss provision to assets0.1219%2,703
Net operating income to assets0.8359%2,974
Return on assets (ROA)0.8990%2,812
Pretax return on assets1.4494%1,709
Return on Equity (ROE)4.8426%4,667
Retained earnings to average equity (ytd only)4.8426%3,333
Net charge-offs to loans0.3765%1,512
Credit loss provision to net charge-offs45.0983%2,687
Earnings coverage of net charge-offs (x)5.4387%2,365
Efficiency ratio60.9331%5,454
Assets per employee ($millions)6.5893%946
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5246%3,721
Loan loss allowance to noncurrent loans126.3464%2,754
Noncurrent assets plus other real estate owned to assets0.9157%4,102
Noncurrent loans to loans1.2067%3,755
Net loans and leases to total assets71.0451%1,511
Net loans and leases to deposits94.9162%615
Net loans and leases to core deposits108.8760%533
Total domestic deposits to total assets73.6107%6,562
Equity capital to assets18.7642%286
Core capital (leverage) ratio12.8629%1,168
Tier 1 risk-based capital ratio15.0438%3,807
Total risk-based capital ratio16.2966%3,762
Memoranda:
Average total assets$62,918,310,50033
Average earning assets$54,115,756,00034
Average equity$11,680,986,50024
Average total loans$45,169,206,50027
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0201%5,239
Cost of funding earning assets0.4681%5,432
Net interest margin3.5519%4,290
Noninterest income to average assets0.8592%1,996
Noninterest expense to average assets2.3530%5,554
Loan and lease loss provision to assets0.2506%2,650
Net operating income to assets0.8327%3,128
Return on assets (ROA)0.8847%3,135
Pretax return on assets1.3856%2,087
Return on Equity (ROE)4.8377%4,756
Retained earnings to average equity (ytd only)3.3129%3,894
Net charge-offs to loans0.7122%1,657
Credit loss provision to net charge-offs49.6492%4,707
Earnings coverage of net charge-offs (x)3.0773%3,898
Efficiency ratio59.5532%5,607
Assets per employee ($millions)6.5750%971
Cash dividends to net income (ytd only)*31.5191%3,303
Condition Ratios (%)
Loss allowance to loans1.5705%3,440
Loan loss allowance to noncurrent loans115.1641%2,979
Noncurrent assets plus other real estate owned to assets1.0237%3,990
Noncurrent loans to loans1.3637%3,553
Net loans and leases to total assets70.3182%1,779
Net loans and leases to deposits94.5539%716
Net loans and leases to core deposits108.7568%577
Total domestic deposits to total assets73.0289%6,620
Equity capital to assets18.3691%304
Core capital (leverage) ratio12.4560%1,339
Tier 1 risk-based capital ratio14.6929%3,900
Total risk-based capital ratio15.9462%3,855
Memoranda:
Average total assets$62,758,934,60033
Average earning assets$53,834,752,20034
Average equity$11,476,505,60023
Average total loans$44,475,798,20025
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0364%5,416
Cost of funding earning assets0.4919%5,493
Net interest margin3.5446%4,464
Noninterest income to average assets0.8708%1,937
Noninterest expense to average assets2.2595%5,795
Loan and lease loss provision to assets0.2552%2,533
Net operating income to assets0.8641%3,163
Return on assets (ROA)0.9264%3,070
Pretax return on assets1.4960%1,890
Return on Equity (ROE)5.0717%4,792
Retained earnings to average equity (ytd only)5.0717%3,318
Net charge-offs to loans0.7067%1,567
Credit loss provision to net charge-offs51.0662%4,381
Earnings coverage of net charge-offs (x)3.3056%3,702
Efficiency ratio57.0354%5,915
Assets per employee ($millions)6.5870%909
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.6786%3,220
Loan loss allowance to noncurrent loans118.2898%2,820
Noncurrent assets plus other real estate owned to assets1.1172%4,059
Noncurrent loans to loans1.4190%3,672
Net loans and leases to total assets70.1856%1,876
Net loans and leases to deposits97.9851%541
Net loans and leases to core deposits114.4205%419
Total domestic deposits to total assets69.8143%6,853
Equity capital to assets18.5993%318
Core capital (leverage) ratio12.6069%1,361
Tier 1 risk-based capital ratio14.9573%3,873
Total risk-based capital ratio16.2116%3,827
Memoranda:
Average total assets$62,612,828,50033
Average earning assets$53,715,327,00034
Average equity$11,436,725,75023
Average total loans$44,281,589,75025
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0686%5,423
Cost of funding earning assets0.5106%5,550
Net interest margin3.5580%4,424
Noninterest income to average assets0.8377%2,016
Noninterest expense to average assets2.2613%5,841
Loan and lease loss provision to assets0.2701%2,424
Net operating income to assets0.8418%3,185
Return on assets (ROA)0.8919%3,210
Pretax return on assets1.4360%2,063
Return on Equity (ROE)4.9132%4,845
Retained earnings to average equity (ytd only)4.9132%3,325
Net charge-offs to loans0.7470%1,478
Credit loss provision to net charge-offs51.2750%4,006
Earnings coverage of net charge-offs (x)3.0886%3,506
Efficiency ratio57.3461%5,949
Assets per employee ($millions)6.5540%930
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.7771%2,935
Loan loss allowance to noncurrent loans116.1836%2,811
Noncurrent assets plus other real estate owned to assets1.2369%3,937
Noncurrent loans to loans1.5296%3,612
Net loans and leases to total assets69.6826%1,973
Net loans and leases to deposits97.4085%556
Net loans and leases to core deposits114.4055%433
Total domestic deposits to total assets69.6540%6,920
Equity capital to assets18.3782%315
Core capital (leverage) ratio12.4063%1,394
Tier 1 risk-based capital ratio14.8134%3,888
Total risk-based capital ratio16.0688%3,851
Memoranda:
Average total assets$62,471,343,33033
Average earning assets$53,558,227,33034
Average equity$11,340,795,67023
Average total loans$44,042,646,00025
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0601%5,579
Cost of funding earning assets0.5450%5,531
Net interest margin3.5151%4,618
Noninterest income to average assets0.7305%2,496
Noninterest expense to average assets2.2728%5,846
Loan and lease loss provision to assets0.3047%2,067
Net operating income to assets0.7268%3,752
Return on assets (ROA)0.8216%3,525
Pretax return on assets1.3134%2,495
Return on Equity (ROE)4.5539%5,015
Retained earnings to average equity (ytd only)4.5539%3,851
Net charge-offs to loans0.6468%1,513
Credit loss provision to net charge-offs67.0179%2,977
Earnings coverage of net charge-offs (x)3.2335%2,907
Efficiency ratio59.6202%5,675
Assets per employee ($millions)6.6132%925
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9245%2,604
Loan loss allowance to noncurrent loans91.3663%3,302
Noncurrent assets plus other real estate owned to assets1.6794%3,341
Noncurrent loans to loans2.1064%3,022
Net loans and leases to total assets69.2206%1,909
Net loans and leases to deposits96.6560%500
Net loans and leases to core deposits112.7340%449
Total domestic deposits to total assets69.7309%6,995
Equity capital to assets18.1514%325
Core capital (leverage) ratio12.0067%1,583
Tier 1 risk-based capital ratio14.7774%3,906
Total risk-based capital ratio16.0347%3,864
Memoranda:
Average total assets$62,375,584,50033
Average earning assets$53,451,857,50033
Average equity$11,253,028,00023
Average total loans$43,836,409,50025
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3813%5,494
Cost of funding earning assets0.6116%6,039
Net interest margin3.7696%3,983
Noninterest income to average assets0.7851%2,140
Noninterest expense to average assets2.3880%5,805
Loan and lease loss provision to assets0.4939%2,132
Net operating income to assets0.7027%3,479
Return on assets (ROA)0.7372%3,477
Pretax return on assets1.1574%2,621
Return on Equity (ROE)4.0524%4,821
Retained earnings to average equity (ytd only)4.0524%3,304
Net charge-offs to loans1.1247%1,523
Credit loss provision to net charge-offs61.0610%5,142
Earnings coverage of net charge-offs (x)1.9736%4,305
Efficiency ratio58.5027%5,987
Assets per employee ($millions)6.5783%915
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.9926%2,306
Loan loss allowance to noncurrent loans92.0229%3,262
Noncurrent assets plus other real estate owned to assets1.7397%3,340
Noncurrent loans to loans2.1653%2,989
Net loans and leases to total assets68.5834%2,294
Net loans and leases to deposits97.2872%607
Net loans and leases to core deposits113.9795%500
Total domestic deposits to total assets68.6359%7,044
Equity capital to assets17.9302%354
Core capital (leverage) ratio11.5685%1,835
Tier 1 risk-based capital ratio14.1958%4,181
Total risk-based capital ratio15.4538%4,131
Memoranda:
Average total assets$59,955,497,00032
Average earning assets$50,881,748,80033
Average equity$10,907,298,60023
Average total loans$43,116,869,00024
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4321%5,488
Cost of funding earning assets0.6210%6,178
Net interest margin3.8111%3,818
Noninterest income to average assets0.7632%2,240
Noninterest expense to average assets2.3750%5,831
Loan and lease loss provision to assets0.4834%2,056
Net operating income to assets0.7108%3,556
Return on assets (ROA)0.7526%3,536
Pretax return on assets1.1991%2,638
Return on Equity (ROE)4.1210%4,944
Retained earnings to average equity (ytd only)4.1210%3,797
Net charge-offs to loans1.0527%1,514
Credit loss provision to net charge-offs63.3994%4,694
Earnings coverage of net charge-offs (x)2.1197%4,082
Efficiency ratio58.0619%6,000
Assets per employee ($millions)6.5589%919
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.1706%1,920
Loan loss allowance to noncurrent loans75.8799%3,720
Noncurrent assets plus other real estate owned to assets2.2517%2,839
Noncurrent loans to loans2.8606%2,439
Net loans and leases to total assets68.1115%2,468
Net loans and leases to deposits98.7531%528
Net loans and leases to core deposits117.1112%465
Total domestic deposits to total assets66.0758%7,197
Equity capital to assets17.9628%393
Core capital (leverage) ratio11.7442%1,862
Tier 1 risk-based capital ratio14.2325%4,176
Total risk-based capital ratio15.4928%4,131
Memoranda:
Average total assets$59,342,295,25032
Average earning assets$50,262,688,50034
Average equity$10,836,634,25023
Average total loans$42,978,110,50024
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5100%5,321
Cost of funding earning assets0.6408%6,270
Net interest margin3.8692%3,443
Noninterest income to average assets0.7429%2,298
Noninterest expense to average assets2.4556%5,682
Loan and lease loss provision to assets0.5196%1,883
Net operating income to assets0.6518%3,791
Return on assets (ROA)0.7099%3,606
Pretax return on assets1.1261%2,744
Return on Equity (ROE)3.8651%4,998
Retained earnings to average equity (ytd only)3.8651%3,742
Net charge-offs to loans1.0709%1,468
Credit loss provision to net charge-offs66.0930%4,173
Earnings coverage of net charge-offs (x)1.9769%3,877
Efficiency ratio59.7814%5,908
Assets per employee ($millions)6.3370%1,005
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2903%1,762
Loan loss allowance to noncurrent loans70.4969%3,919
Noncurrent assets plus other real estate owned to assets2.5921%2,565
Noncurrent loans to loans3.2488%2,194
Net loans and leases to total assets70.3226%2,153
Net loans and leases to deposits100.6552%461
Net loans and leases to core deposits116.1179%515
Total domestic deposits to total assets66.2635%7,256
Equity capital to assets18.3046%360
Core capital (leverage) ratio11.7424%1,753
Tier 1 risk-based capital ratio14.0506%4,136
Total risk-based capital ratio15.3123%4,100
Memoranda:
Average total assets$58,504,094,67032
Average earning assets$49,398,276,00034
Average equity$10,745,105,00024
Average total loans$42,948,657,33025
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5372%5,213
Cost of funding earning assets0.6568%6,357
Net interest margin3.8804%3,238
Noninterest income to average assets0.7134%2,494
Noninterest expense to average assets2.5584%5,359
Loan and lease loss provision to assets0.4655%1,894
Net operating income to assets0.6079%3,994
Return on assets (ROA)0.6393%3,880
Pretax return on assets1.0054%3,116
Return on Equity (ROE)3.4748%5,155
Retained earnings to average equity (ytd only)3.4748%4,101
Net charge-offs to loans0.7012%1,815
Credit loss provision to net charge-offs89.5149%2,949
Earnings coverage of net charge-offs (x)2.7334%2,987
Efficiency ratio62.8038%5,555
Assets per employee ($millions)6.3155%1,023
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4504%1,531
Loan loss allowance to noncurrent loans65.5316%4,135
Noncurrent assets plus other real estate owned to assets3.0253%2,286
Noncurrent loans to loans3.7392%1,975
Net loans and leases to total assets71.7226%1,781
Net loans and leases to deposits102.9513%346
Net loans and leases to core deposits112.6270%639
Total domestic deposits to total assets66.0691%7,326
Equity capital to assets18.4141%342
Core capital (leverage) ratio11.3582%1,927
Tier 1 risk-based capital ratio13.3638%4,533
Total risk-based capital ratio14.6279%4,504
Memoranda:
Average total assets$57,997,629,50032
Average earning assets$48,818,959,50035
Average equity$10,670,471,00024
Average total loans$43,005,504,50025
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6826%5,857
Cost of funding earning assets1.0925%5,172
Net interest margin3.5901%4,866
Noninterest income to average assets0.6466%3,173
Noninterest expense to average assets2.2718%6,430
Loan and lease loss provision to assets0.8604%1,891
Net operating income to assets0.3514%4,733
Return on assets (ROA)0.3097%5,072
Pretax return on assets0.4601%4,763
Return on Equity (ROE)1.8115%5,464
Retained earnings to average equity (ytd only)1.8115%4,597
Net charge-offs to loans1.5443%1,421
Credit loss provision to net charge-offs76.0324%5,695
Earnings coverage of net charge-offs (x)1.2213%4,880
Efficiency ratio60.5527%5,960
Assets per employee ($millions)6.3202%1,028
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.4563%1,468
Loan loss allowance to noncurrent loans69.0651%3,956
Noncurrent assets plus other real estate owned to assets2.9606%2,379
Noncurrent loans to loans3.5564%2,120
Net loans and leases to total assets72.9472%1,887
Net loans and leases to deposits106.3441%310
Net loans and leases to core deposits116.5719%622
Total domestic deposits to total assets64.9505%7,419
Equity capital to assets18.3820%349
Core capital (leverage) ratio11.2155%2,002
Tier 1 risk-based capital ratio13.3224%4,356
Total risk-based capital ratio14.5861%4,308
Memoranda:
Average total assets$59,599,107,00033
Average earning assets$49,922,419,40033
Average equity$10,190,377,00023
Average total loans$43,672,061,40025
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6920%6,051
Cost of funding earning assets1.1729%5,022
Net interest margin3.5191%5,219
Noninterest income to average assets0.5864%3,534
Noninterest expense to average assets2.2154%6,567
Loan and lease loss provision to assets0.8982%1,692
Net operating income to assets0.3266%5,059
Return on assets (ROA)0.2561%5,487
Pretax return on assets0.3301%5,426
Return on Equity (ROE)1.5254%5,761
Retained earnings to average equity (ytd only)1.5254%5,191
Net charge-offs to loans1.5783%1,257
Credit loss provision to net charge-offs78.0481%5,192
Earnings coverage of net charge-offs (x)1.1457%4,916
Efficiency ratio61.0254%5,792
Assets per employee ($millions)6.3964%1,017
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.5475%1,273
Loan loss allowance to noncurrent loans67.6475%3,937
Noncurrent assets plus other real estate owned to assets3.1213%2,314
Noncurrent loans to loans3.7659%2,051
Net loans and leases to total assets72.9726%2,017
Net loans and leases to deposits110.9153%238
Net loans and leases to core deposits122.6210%536
Total domestic deposits to total assets61.8104%7,565
Equity capital to assets18.2302%396
Core capital (leverage) ratio10.8492%2,374
Tier 1 risk-based capital ratio12.7601%4,767
Total risk-based capital ratio14.0246%4,727
Memoranda:
Average total assets$60,085,677,25032
Average earning assets$50,325,646,25033
Average equity$10,088,538,75023
Average total loans$43,811,286,75024
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6556%6,290
Cost of funding earning assets1.2807%4,645
Net interest margin3.3749%5,737
Noninterest income to average assets0.5637%3,600
Noninterest expense to average assets2.1903%6,668
Loan and lease loss provision to assets0.8930%1,632
Net operating income to assets0.2658%5,310
Return on assets (ROA)0.2009%5,688
Pretax return on assets0.2407%5,679
Return on Equity (ROE)1.2303%5,886
Retained earnings to average equity (ytd only)1.2303%5,260
Net charge-offs to loans1.6198%1,170
Credit loss provision to net charge-offs76.2625%4,809
Earnings coverage of net charge-offs (x)1.0350%4,753
Efficiency ratio62.6688%5,579
Assets per employee ($millions)6.7740%852
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6054%1,184
Loan loss allowance to noncurrent loans71.5551%3,773
Noncurrent assets plus other real estate owned to assets2.8670%2,516
Noncurrent loans to loans3.6412%2,166
Net loans and leases to total assets69.4659%3,025
Net loans and leases to deposits113.0461%215
Net loans and leases to core deposits124.7902%552
Total domestic deposits to total assets57.8400%7,686
Equity capital to assets17.1183%510
Core capital (leverage) ratio10.0919%3,073
Tier 1 risk-based capital ratio12.4017%4,943
Total risk-based capital ratio13.6667%4,910
Memoranda:
Average total assets$60,773,547,33031
Average earning assets$51,113,316,33033
Average equity$9,925,547,33022
Average total loans$43,932,714,00024
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7012%6,238
Cost of funding earning assets1.3696%4,360
Net interest margin3.3315%5,854
Noninterest income to average assets0.6640%2,860
Noninterest expense to average assets2.1437%6,824
Loan and lease loss provision to assets1.2316%987
Net operating income to assets0.0815%6,074
Return on assets (ROA)0.1606%5,944
Pretax return on assets0.1801%5,948
Return on Equity (ROE)1.0078%6,110
Retained earnings to average equity (ytd only)1.0078%5,407
Net charge-offs to loans1.8052%961
Credit loss provision to net charge-offs93.7483%3,574
Earnings coverage of net charge-offs (x)1.0071%4,168
Efficiency ratio60.1546%6,142
Assets per employee ($millions)6.8044%866
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.7640%1,025
Loan loss allowance to noncurrent loans74.5856%3,641
Noncurrent assets plus other real estate owned to assets2.8976%2,474
Noncurrent loans to loans3.7058%2,148
Net loans and leases to total assets69.4767%3,059
Net loans and leases to deposits102.7223%607
Net loans and leases to core deposits123.1762%667
Total domestic deposits to total assets58.8190%7,772
Equity capital to assets16.9490%539
Core capital (leverage) ratio10.1926%2,935
Tier 1 risk-based capital ratio11.9366%5,268
Total risk-based capital ratio13.2029%5,204
Memoranda:
Average total assets$60,589,475,50031
Average earning assets$50,972,579,50032
Average equity$9,655,098,50022
Average total loans$44,094,649,00023
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8212%6,905
Cost of funding earning assets1.6479%4,808
Net interest margin3.1733%6,178
Noninterest income to average assets0.7258%2,812
Noninterest expense to average assets2.0845%7,215
Loan and lease loss provision to assets2.0766%1,021
Net operating income to assets-0.3191%5,999
Return on assets (ROA)-0.6323%6,298
Pretax return on assets-1.2409%6,566
Return on Equity (ROE)-4.5424%6,170
Retained earnings to average equity (ytd only)-4.8273%5,995
Net charge-offs to loans1.8387%1,354
Credit loss provision to net charge-offs156.4189%2,889
Earnings coverage of net charge-offs (x)0.9980%5,114
Efficiency ratio59.4144%6,570
Assets per employee ($millions)6.6461%923
Cash dividends to net income (ytd only)*-6.2729%7,542
Condition Ratios (%)
Loss allowance to loans2.7445%978
Loan loss allowance to noncurrent loans73.9589%3,721
Noncurrent assets plus other real estate owned to assets3.0145%2,320
Noncurrent loans to loans3.7109%2,029
Net loans and leases to total assets72.0921%2,736
Net loans and leases to deposits107.5874%477
Net loans and leases to core deposits137.2586%903
Total domestic deposits to total assets60.3754%7,794
Equity capital to assets14.9017%931
Core capital (leverage) ratio8.4050%5,426
Tier 1 risk-based capital ratio9.7963%7,023
Total risk-based capital ratio11.0821%6,980
Memoranda:
Average total assets$63,791,969,80029
Average earning assets$53,947,692,20031
Average equity$8,879,863,40023
Average total loans$46,060,601,20024
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8210%7,078
Cost of funding earning assets1.6696%5,062
Net interest margin3.1514%6,173
Noninterest income to average assets0.7336%2,806
Noninterest expense to average assets2.0677%7,246
Loan and lease loss provision to assets2.0657%857
Net operating income to assets-0.3915%6,310
Return on assets (ROA)-0.6695%6,585
Pretax return on assets-1.1658%6,798
Return on Equity (ROE)-4.8899%6,439
Retained earnings to average equity (ytd only)-5.2704%6,285
Net charge-offs to loans1.7413%1,162
Credit loss provision to net charge-offs165.3170%2,850
Earnings coverage of net charge-offs (x)1.0678%4,989
Efficiency ratio59.0743%6,558
Assets per employee ($millions)7.0274%783
Cash dividends to net income (ytd only)*-7.7827%7,730
Condition Ratios (%)
Loss allowance to loans2.5167%1,044
Loan loss allowance to noncurrent loans72.2484%3,731
Noncurrent assets plus other real estate owned to assets2.6799%2,598
Noncurrent loans to loans3.4834%2,147
Net loans and leases to total assets69.3942%3,632
Net loans and leases to deposits111.2702%419
Net loans and leases to core deposits149.9081%580
Total domestic deposits to total assets54.3342%7,947
Equity capital to assets14.2509%1,223
Core capital (leverage) ratio8.3650%5,722
Tier 1 risk-based capital ratio9.7602%7,178
Total risk-based capital ratio11.0489%7,105
Memoranda:
Average total assets$64,739,814,75029
Average earning assets$54,815,332,25032
Average equity$8,864,557,75024
Average total loans$46,456,663,75026
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8625%7,112
Cost of funding earning assets1.7333%5,103
Net interest margin3.1292%6,153
Noninterest income to average assets0.6936%3,028
Noninterest expense to average assets2.1297%7,212
Loan and lease loss provision to assets2.0975%759
Net operating income to assets-0.5227%6,571
Return on assets (ROA)-0.7005%6,752
Pretax return on assets-1.1705%6,917
Return on Equity (ROE)-5.1850%6,630
Retained earnings to average equity (ytd only)-5.7601%6,412
Net charge-offs to loans1.6944%1,116
Credit loss provision to net charge-offs172.0559%2,674
Earnings coverage of net charge-offs (x)0.9882%4,795
Efficiency ratio62.1390%6,228
Assets per employee ($millions)6.6721%899
Cash dividends to net income (ytd only)*-11.0919%7,876
Condition Ratios (%)
Loss allowance to loans2.2179%1,210
Loan loss allowance to noncurrent loans70.5072%3,916
Noncurrent assets plus other real estate owned to assets2.4836%2,599
Noncurrent loans to loans3.1457%2,269
Net loans and leases to total assets72.8448%2,992
Net loans and leases to deposits119.5022%245
Net loans and leases to core deposits156.9421%497
Total domestic deposits to total assets53.8401%8,031
Equity capital to assets14.1107%1,270
Core capital (leverage) ratio7.8878%6,509
Tier 1 risk-based capital ratio9.1683%7,607
Total risk-based capital ratio10.4477%7,594
Memoranda:
Average total assets$65,125,130,33030
Average earning assets$54,962,480,33033
Average equity$8,798,994,67023
Average total loans$46,854,674,67025
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8135%7,353
Cost of funding earning assets1.7752%5,240
Net interest margin3.0384%6,378
Noninterest income to average assets0.6950%2,920
Noninterest expense to average assets2.0615%7,209
Loan and lease loss provision to assets2.0495%585
Net operating income to assets-0.4257%6,808
Return on assets (ROA)-0.5107%6,937
Pretax return on assets-0.9803%7,148
Return on Equity (ROE)-3.8603%6,878
Retained earnings to average equity (ytd only)-5.0097%6,547
Net charge-offs to loans1.5512%933
Credit loss provision to net charge-offs186.7368%2,347
Earnings coverage of net charge-offs (x)1.0949%4,207
Efficiency ratio61.4434%6,167
Assets per employee ($millions)6.9408%802
Cash dividends to net income (ytd only)*-29.7755%8,110
Condition Ratios (%)
Loss allowance to loans1.9183%1,583
Loan loss allowance to noncurrent loans69.7910%4,105
Noncurrent assets plus other real estate owned to assets2.0614%2,808
Noncurrent loans to loans2.7487%2,384
Net loans and leases to total assets69.5898%3,780
Net loans and leases to deposits120.7951%271
Net loans and leases to core deposits163.8756%437
Total domestic deposits to total assets48.6807%8,107
Equity capital to assets13.4271%1,559
Core capital (leverage) ratio8.0502%6,380
Tier 1 risk-based capital ratio9.3064%7,584
Total risk-based capital ratio10.5812%7,535
Memoranda:
Average total assets$66,552,556,50030
Average earning assets$56,256,343,00032
Average equity$8,805,111,00024
Average total loans$47,087,256,00026
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7547%6,581
Cost of funding earning assets2.4730%4,349
Net interest margin3.2817%6,100
Noninterest income to average assets0.8668%2,125
Noninterest expense to average assets2.0042%7,433
Loan and lease loss provision to assets1.1082%1,309
Net operating income to assets0.5924%4,334
Return on assets (ROA)0.1450%5,817
Pretax return on assets0.0806%5,988
Return on Equity (ROE)1.0468%5,904
Retained earnings to average equity (ytd only)-1.7132%5,793
Net charge-offs to loans0.8610%1,453
Credit loss provision to net charge-offs179.2836%2,817
Earnings coverage of net charge-offs (x)2.6470%4,765
Efficiency ratio53.3105%7,348
Assets per employee ($millions)6.9903%710
Cash dividends to net income (ytd only)*263.6630%231
Condition Ratios (%)
Loss allowance to loans1.5740%2,348
Loan loss allowance to noncurrent loans81.1375%4,081
Noncurrent assets plus other real estate owned to assets1.4248%3,351
Noncurrent loans to loans1.9399%2,846
Net loans and leases to total assets69.4446%4,155
Net loans and leases to deposits124.6651%292
Net loans and leases to core deposits173.4869%352
Total domestic deposits to total assets47.3237%8,144
Equity capital to assets13.0355%1,767
Core capital (leverage) ratio7.6506%7,003
Tier 1 risk-based capital ratio9.1509%7,665
Total risk-based capital ratio10.4425%7,579
Memoranda:
Average total assets$63,531,794,40032
Average earning assets$53,693,032,20033
Average equity$8,802,565,60024
Average total loans$45,608,728,80025