Home > Bank of Weston > Performance and Condition Ratios

Bank of Weston, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4169%2,894
Cost of funding earning assets0.2334%3,097
Net interest margin3.1835%2,645
Noninterest income to average assets0.4306%2,902
Noninterest expense to average assets2.5623%1,982
Loan and lease loss provision to assets0.3344%230
Net operating income to assets0.5752%3,930
Return on assets (ROA)0.5752%3,972
Pretax return on assets0.5752%4,143
Return on Equity (ROE)8.0434%3,207
Retained earnings to average equity (ytd only)6.6612%2,053
Net charge-offs to loans0.5417%150
Credit loss provision to net charge-offs104.2623%1,758
Earnings coverage of net charge-offs (x)2.8361%2,569
Efficiency ratio73.7998%1,328
Assets per employee ($millions)5.6448%3,123
Cash dividends to net income (ytd only)*17.1846%3,122
Condition Ratios (%)
Loss allowance to loans1.3819%1,993
Loan loss allowance to noncurrent loans405.7441%1,691
Noncurrent assets plus other real estate owned to assets0.7268%859
Noncurrent loans to loans0.3406%2,357
Net loans and leases to total assets56.1318%2,589
Net loans and leases to deposits60.4066%3,042
Net loans and leases to core deposits62.1023%3,153
Total domestic deposits to total assets92.9234%51
Equity capital to assets6.9298%4,733
Core capital (leverage) ratio7.3002%4,676
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5899%2,419
Memoranda:
Average total assets$190,180,2003,131
Average earning assets$181,687,2003,083
Average equity$13,601,2003,782
Average total loans$112,615,6003,034
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5248%2,758
Cost of funding earning assets0.2515%3,113
Net interest margin3.2734%2,499
Noninterest income to average assets0.4389%2,890
Noninterest expense to average assets2.5875%1,874
Loan and lease loss provision to assets0.3637%191
Net operating income to assets0.6117%3,984
Return on assets (ROA)0.6117%4,034
Pretax return on assets0.6117%4,217
Return on Equity (ROE)8.4836%3,261
Retained earnings to average equity (ytd only)6.6377%2,565
Net charge-offs to loans-0.0899%4,573
Credit loss provision to net charge-offs-676.3158%3,741
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6207%1,348
Assets per employee ($millions)5.4466%3,255
Cash dividends to net income (ytd only)*21.7593%2,461
Condition Ratios (%)
Loss allowance to loans1.8468%854
Loan loss allowance to noncurrent loans194.4904%2,573
Noncurrent assets plus other real estate owned to assets1.1236%550
Noncurrent loans to loans0.9496%1,212
Net loans and leases to total assets59.0494%2,367
Net loans and leases to deposits63.8037%2,873
Net loans and leases to core deposits65.7637%2,971
Total domestic deposits to total assets92.5485%67
Equity capital to assets7.2616%4,764
Core capital (leverage) ratio7.5716%4,670
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5046%2,543
Memoranda:
Average total assets$188,333,5003,177
Average earning assets$179,749,0003,134
Average equity$13,578,7503,828
Average total loans$112,656,5003,075
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6863%2,375
Cost of funding earning assets0.2772%3,017
Net interest margin3.4091%2,115
Noninterest income to average assets0.4393%2,907
Noninterest expense to average assets2.5815%1,906
Loan and lease loss provision to assets0.4201%141
Net operating income to assets0.7027%3,757
Return on assets (ROA)0.7027%3,823
Pretax return on assets0.7027%4,058
Return on Equity (ROE)9.7697%2,843
Retained earnings to average equity (ytd only)6.9826%2,438
Net charge-offs to loans-0.1322%4,700
Credit loss provision to net charge-offs-532.4324%3,482
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6891%1,685
Assets per employee ($millions)5.3851%3,252
Cash dividends to net income (ytd only)*28.5281%2,124
Condition Ratios (%)
Loss allowance to loans1.7526%967
Loan loss allowance to noncurrent loans179.4964%2,613
Noncurrent assets plus other real estate owned to assets1.1168%641
Noncurrent loans to loans0.9764%1,264
Net loans and leases to total assets57.7189%2,705
Net loans and leases to deposits62.1787%3,182
Net loans and leases to core deposits64.2307%3,268
Total domestic deposits to total assets92.8274%42
Equity capital to assets7.0179%4,844
Core capital (leverage) ratio7.3888%4,754
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5428%2,530
Memoranda:
Average total assets$187,567,3333,192
Average earning assets$179,636,6673,136
Average equity$13,490,6673,843
Average total loans$111,980,3333,099
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2129%3,662
Cost of funding earning assets0.3170%2,823
Net interest margin2.8959%3,541
Noninterest income to average assets1.1105%965
Noninterest expense to average assets2.6483%1,745
Loan and lease loss provision to assets0.5943%98
Net operating income to assets0.6420%3,830
Return on assets (ROA)0.6420%3,900
Pretax return on assets0.6420%4,124
Return on Equity (ROE)8.8138%3,098
Retained earnings to average equity (ytd only)3.2158%3,713
Net charge-offs to loans-0.2558%4,828
Credit loss provision to net charge-offs-385.9155%3,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1742%1,914
Assets per employee ($millions)5.4861%3,132
Cash dividends to net income (ytd only)*63.5135%823
Condition Ratios (%)
Loss allowance to loans1.6782%1,098
Loan loss allowance to noncurrent loans164.4425%2,661
Noncurrent assets plus other real estate owned to assets1.1099%711
Noncurrent loans to loans1.0205%1,313
Net loans and leases to total assets55.5621%3,090
Net loans and leases to deposits59.6286%3,509
Net loans and leases to core deposits61.6379%3,602
Total domestic deposits to total assets93.1802%25
Equity capital to assets6.6953%4,894
Core capital (leverage) ratio7.3191%4,834
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4513%2,512
Memoranda:
Average total assets$184,420,0003,213
Average earning assets$176,661,0003,153
Average equity$13,433,5003,853
Average total loans$111,025,0003,118
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0408%2,607
Cost of funding earning assets0.4394%3,348
Net interest margin3.6014%2,137
Noninterest income to average assets0.7199%1,794
Noninterest expense to average assets2.8758%1,749
Loan and lease loss provision to assets0.2355%1,652
Net operating income to assets1.0309%2,176
Return on assets (ROA)1.0309%2,322
Pretax return on assets1.0285%2,946
Return on Equity (ROE)12.6536%1,135
Retained earnings to average equity (ytd only)2.8687%3,434
Net charge-offs to loans0.1572%1,044
Credit loss provision to net charge-offs219.1011%2,074
Earnings coverage of net charge-offs (x)11.7584%2,386
Efficiency ratio69.4675%2,024
Assets per employee ($millions)4.7595%3,650
Cash dividends to net income (ytd only)*77.3286%729
Condition Ratios (%)
Loss allowance to loans1.3835%2,032
Loan loss allowance to noncurrent loans134.1528%2,953
Noncurrent assets plus other real estate owned to assets1.2793%637
Noncurrent loans to loans1.0313%1,381
Net loans and leases to total assets63.5659%2,423
Net loans and leases to deposits69.2139%2,963
Net loans and leases to core deposits71.8342%3,090
Total domestic deposits to total assets91.8397%85
Equity capital to assets7.9630%4,724
Core capital (leverage) ratio8.1056%4,561
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3261%2,511
Memoranda:
Average total assets$165,586,2003,231
Average earning assets$157,244,8003,195
Average equity$13,490,2003,815
Average total loans$113,256,0003,051
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1604%2,493
Cost of funding earning assets0.4626%3,456
Net interest margin3.6978%1,954
Noninterest income to average assets0.7822%1,570
Noninterest expense to average assets2.9209%1,646
Loan and lease loss provision to assets0.2193%1,832
Net operating income to assets1.1510%1,816
Return on assets (ROA)1.1510%1,931
Pretax return on assets1.1477%2,571
Return on Equity (ROE)14.0449%876
Retained earnings to average equity (ytd only)2.7654%3,622
Net charge-offs to loans0.2083%734
Credit loss provision to net charge-offs151.6854%2,314
Earnings coverage of net charge-offs (x)9.4551%2,426
Efficiency ratio68.1190%2,171
Assets per employee ($millions)4.4619%3,891
Cash dividends to net income (ytd only)*80.3105%584
Condition Ratios (%)
Loss allowance to loans1.2707%2,291
Loan loss allowance to noncurrent loans122.5413%2,990
Noncurrent assets plus other real estate owned to assets1.2987%731
Noncurrent loans to loans1.0370%1,444
Net loans and leases to total assets64.5194%2,702
Net loans and leases to deposits70.3358%3,282
Net loans and leases to core deposits73.0277%3,394
Total domestic deposits to total assets91.7306%79
Equity capital to assets8.0093%4,709
Core capital (leverage) ratio8.1369%4,578
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6650%2,339
Memoranda:
Average total assets$164,147,2503,226
Average earning assets$155,622,2503,190
Average equity$13,451,7503,823
Average total loans$113,959,2503,057
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3220%2,417
Cost of funding earning assets0.4984%3,541
Net interest margin3.8235%1,764
Noninterest income to average assets0.9092%1,142
Noninterest expense to average assets2.9505%1,716
Loan and lease loss provision to assets0.1848%2,176
Net operating income to assets1.3983%1,116
Return on assets (ROA)1.3983%1,206
Pretax return on assets1.3933%1,743
Return on Equity (ROE)16.9289%462
Retained earnings to average equity (ytd only)6.4285%1,890
Net charge-offs to loans0.3095%521
Credit loss provision to net charge-offs84.2697%2,488
Earnings coverage of net charge-offs (x)7.1966%2,385
Efficiency ratio65.1523%2,641
Assets per employee ($millions)4.4331%3,876
Cash dividends to net income (ytd only)*62.0264%1,182
Condition Ratios (%)
Loss allowance to loans1.1119%2,985
Loan loss allowance to noncurrent loans98.3206%3,228
Noncurrent assets plus other real estate owned to assets1.3668%731
Noncurrent loans to loans1.1309%1,390
Net loans and leases to total assets66.2556%2,592
Net loans and leases to deposits72.1366%3,250
Net loans and leases to core deposits74.7281%3,396
Total domestic deposits to total assets91.8475%59
Equity capital to assets7.9570%4,740
Core capital (leverage) ratio8.0350%4,737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5338%2,383
Memoranda:
Average total assets$162,345,6673,224
Average earning assets$153,679,3333,189
Average equity$13,409,0003,830
Average total loans$115,011,6673,035
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7360%1,599
Cost of funding earning assets0.5592%3,645
Net interest margin4.1767%968
Noninterest income to average assets0.4507%2,783
Noninterest expense to average assets3.1170%1,597
Loan and lease loss provision to assets0.0764%2,768
Net operating income to assets1.2045%1,501
Return on assets (ROA)1.2045%1,616
Pretax return on assets1.1943%2,221
Return on Equity (ROE)14.2954%648
Retained earnings to average equity (ytd only)2.2063%3,368
Net charge-offs to loans0.0035%2,460
Credit loss provision to net charge-offs3,000.0000%252
Earnings coverage of net charge-offs (x)499.0000%128
Efficiency ratio71.0389%2,213
Assets per employee ($millions)4.1127%3,769
Cash dividends to net income (ytd only)*84.5666%944
Condition Ratios (%)
Loss allowance to loans1.1664%2,843
Loan loss allowance to noncurrent loans100.0000%3,236
Noncurrent assets plus other real estate owned to assets1.4577%750
Noncurrent loans to loans1.1664%1,415
Net loans and leases to total assets69.2809%2,356
Net loans and leases to deposits75.5397%3,116
Net loans and leases to core deposits78.2415%3,338
Total domestic deposits to total assets91.7146%54
Equity capital to assets8.1304%4,945
Core capital (leverage) ratio8.1076%4,953
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1878%3,046
Memoranda:
Average total assets$157,073,0003,245
Average earning assets$148,058,5003,208
Average equity$13,235,0003,859
Average total loans$114,598,5003,021
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0149%1,436
Cost of funding earning assets0.5432%3,909
Net interest margin4.4716%760
Noninterest income to average assets0.5941%2,256
Noninterest expense to average assets3.1055%1,744
Loan and lease loss provision to assets0.0007%3,968
Net operating income to assets1.6810%691
Return on assets (ROA)1.6810%739
Pretax return on assets1.6837%1,237
Return on Equity (ROE)19.8565%224
Retained earnings to average equity (ytd only)7.2249%1,293
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8344%2,967
Assets per employee ($millions)4.1566%3,686
Cash dividends to net income (ytd only)*63.6145%1,408
Condition Ratios (%)
Loss allowance to loans1.1556%2,668
Loan loss allowance to noncurrent loans65,800.0000%13
Noncurrent assets plus other real estate owned to assets0.7050%1,834
Noncurrent loans to loans0.0018%4,605
Net loans and leases to total assets75.2237%1,545
Net loans and leases to deposits82.6801%2,477
Net loans and leases to core deposits85.6358%2,812
Total domestic deposits to total assets90.9816%124
Equity capital to assets8.7511%4,803
Core capital (leverage) ratio8.6137%4,775
Tier 1 risk-based capital ratio11.2634%4,749
Total risk-based capital ratio12.4076%4,684
Memoranda:
Average total assets$148,125,8003,324
Average earning assets$138,987,0003,291
Average equity$12,540,0003,932
Average total loans$110,332,0003,080
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0059%1,518
Cost of funding earning assets0.5593%3,875
Net interest margin4.4466%858
Noninterest income to average assets0.6046%2,182
Noninterest expense to average assets3.0872%1,739
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.6929%759
Return on assets (ROA)1.6929%799
Pretax return on assets1.6929%1,355
Return on Equity (ROE)20.1695%239
Retained earnings to average equity (ytd only)8.3430%1,268
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5837%2,925
Assets per employee ($millions)4.1039%3,753
Cash dividends to net income (ytd only)*58.6354%1,343
Condition Ratios (%)
Loss allowance to loans1.1806%2,612
Loan loss allowance to noncurrent loans65,850.0000%20
Noncurrent assets plus other real estate owned to assets0.7141%1,916
Noncurrent loans to loans0.0018%4,690
Net loans and leases to total assets74.6145%1,698
Net loans and leases to deposits82.0533%2,677
Net loans and leases to core deposits85.0174%2,991
Total domestic deposits to total assets90.9342%108
Equity capital to assets8.7687%4,888
Core capital (leverage) ratio8.5611%4,913
Tier 1 risk-based capital ratio11.0679%4,879
Total risk-based capital ratio12.2046%4,810
Memoranda:
Average total assets$147,747,5003,365
Average earning assets$138,738,2503,329
Average equity$12,401,2503,986
Average total loans$109,445,0003,133
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9414%1,634
Cost of funding earning assets0.5755%3,769
Net interest margin4.3659%1,005
Noninterest income to average assets0.5049%2,648
Noninterest expense to average assets3.0701%1,813
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.5323%1,056
Return on assets (ROA)1.5323%1,106
Pretax return on assets1.5323%1,750
Return on Equity (ROE)18.5321%350
Retained earnings to average equity (ytd only)6.7940%1,905
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7059%2,715
Assets per employee ($millions)4.1392%3,668
Cash dividends to net income (ytd only)*63.3392%1,310
Condition Ratios (%)
Loss allowance to loans1.1799%2,626
Loan loss allowance to noncurrent loans219.1348%2,019
Noncurrent assets plus other real estate owned to assets1.1100%1,221
Noncurrent loans to loans0.5384%2,658
Net loans and leases to total assets74.0254%1,884
Net loans and leases to deposits82.2541%2,704
Net loans and leases to core deposits85.3953%3,006
Total domestic deposits to total assets89.9960%336
Equity capital to assets8.4437%5,065
Core capital (leverage) ratio8.2842%5,068
Tier 1 risk-based capital ratio10.9008%4,957
Total risk-based capital ratio12.0529%4,901
Memoranda:
Average total assets$147,749,3303,380
Average earning assets$138,666,3303,348
Average equity$12,216,6704,014
Average total loans$108,742,0003,159
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8696%1,691
Cost of funding earning assets0.5678%3,744
Net interest margin4.3018%1,089
Noninterest income to average assets0.4921%2,607
Noninterest expense to average assets3.0560%1,834
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.4736%1,168
Return on assets (ROA)1.4736%1,194
Pretax return on assets1.4736%1,853
Return on Equity (ROE)18.0156%398
Retained earnings to average equity (ytd only)5.8833%2,503
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4670%2,715
Assets per employee ($millions)4.2300%3,581
Cash dividends to net income (ytd only)*67.3432%1,172
Condition Ratios (%)
Loss allowance to loans1.2332%2,412
Loan loss allowance to noncurrent loans302.0642%1,550
Noncurrent assets plus other real estate owned to assets0.9778%1,430
Noncurrent loans to loans0.4083%3,124
Net loans and leases to total assets69.2647%2,584
Net loans and leases to deposits76.5352%3,210
Net loans and leases to core deposits79.2191%3,431
Total domestic deposits to total assets90.5005%291
Equity capital to assets8.0122%5,177
Core capital (leverage) ratio8.1292%5,171
Tier 1 risk-based capital ratio11.0916%4,931
Total risk-based capital ratio12.2865%4,859
Memoranda:
Average total assets$147,118,5003,423
Average earning assets$138,081,5003,395
Average equity$12,034,0004,050
Average total loans$107,301,5003,208
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6721%1,925
Cost of funding earning assets0.4782%3,497
Net interest margin4.1939%1,405
Noninterest income to average assets0.5258%2,682
Noninterest expense to average assets3.1752%1,617
Loan and lease loss provision to assets0.0007%4,078
Net operating income to assets1.2793%1,881
Return on assets (ROA)1.2793%1,876
Pretax return on assets1.2793%2,582
Return on Equity (ROE)16.1962%590
Retained earnings to average equity (ytd only)4.1645%3,267
Net charge-offs to loans0.0019%3,683
Credit loss provision to net charge-offs50.0000%3,186
Earnings coverage of net charge-offs (x)930.0000%116
Efficiency ratio71.2697%2,005
Assets per employee ($millions)3.9432%3,972
Cash dividends to net income (ytd only)*74.2873%903
Condition Ratios (%)
Loss allowance to loans1.2207%2,464
Loan loss allowance to noncurrent loans1,004.5802%613
Noncurrent assets plus other real estate owned to assets0.0923%4,360
Noncurrent loans to loans0.1215%4,184
Net loans and leases to total assets75.0183%1,770
Net loans and leases to deposits83.3161%2,590
Net loans and leases to core deposits85.5551%2,944
Total domestic deposits to total assets90.0406%463
Equity capital to assets8.3596%5,009
Core capital (leverage) ratio8.2907%5,123
Tier 1 risk-based capital ratio10.9779%4,990
Total risk-based capital ratio12.1771%4,896
Memoranda:
Average total assets$145,315,2003,441
Average earning assets$136,149,0003,408
Average equity$11,478,0004,089
Average total loans$107,556,0003,178
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5984%1,975
Cost of funding earning assets0.4852%3,292
Net interest margin4.1132%1,591
Noninterest income to average assets0.5209%2,737
Noninterest expense to average assets3.1883%1,551
Loan and lease loss provision to assets0.0009%3,938
Net operating income to assets1.1832%2,305
Return on assets (ROA)1.1832%2,310
Pretax return on assets1.1832%3,053
Return on Equity (ROE)15.1949%836
Retained earnings to average equity (ytd only)2.4134%4,431
Net charge-offs to loans0.0025%3,394
Credit loss provision to net charge-offs50.0000%2,827
Earnings coverage of net charge-offs (x)648.1723%136
Efficiency ratio72.9188%1,745
Assets per employee ($millions)3.8761%4,071
Cash dividends to net income (ytd only)*84.1172%491
Condition Ratios (%)
Loss allowance to loans1.2258%2,479
Loan loss allowance to noncurrent loans162.6700%2,609
Noncurrent assets plus other real estate owned to assets0.5493%2,545
Noncurrent loans to loans0.7536%2,204
Net loans and leases to total assets71.9933%2,328
Net loans and leases to deposits79.4818%3,090
Net loans and leases to core deposits81.3663%3,374
Total domestic deposits to total assets90.5785%319
Equity capital to assets7.8009%5,236
Core capital (leverage) ratio8.1435%5,278
Tier 1 risk-based capital ratio10.8400%5,108
Total risk-based capital ratio12.0514%5,028
Memoranda:
Average total assets$146,155,0003,468
Average earning assets$136,855,5003,440
Average equity$11,380,7504,139
Average total loans$107,492,7503,201
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5936%1,798
Cost of funding earning assets0.4852%3,132
Net interest margin4.1084%1,530
Noninterest income to average assets0.5131%2,783
Noninterest expense to average assets3.1898%1,555
Loan and lease loss provision to assets0.0014%3,770
Net operating income to assets1.1675%2,320
Return on assets (ROA)1.1675%2,322
Pretax return on assets1.1675%3,060
Return on Equity (ROE)15.0031%850
Retained earnings to average equity (ytd only)1.0754%4,736
Net charge-offs to loans0.0019%3,144
Credit loss provision to net charge-offs100.0000%2,011
Earnings coverage of net charge-offs (x)852.0000%94
Efficiency ratio73.1822%1,822
Assets per employee ($millions)3.7568%4,272
Cash dividends to net income (ytd only)*92.8320%480
Condition Ratios (%)
Loss allowance to loans1.2415%2,479
Loan loss allowance to noncurrent loans6,931.5789%125
Noncurrent assets plus other real estate owned to assets0.0130%4,974
Noncurrent loans to loans0.0179%4,861
Net loans and leases to total assets71.5072%2,359
Net loans and leases to deposits78.8714%3,064
Net loans and leases to core deposits80.7485%3,350
Total domestic deposits to total assets90.6630%342
Equity capital to assets7.7685%5,302
Core capital (leverage) ratio7.8894%5,377
Tier 1 risk-based capital ratio10.8195%5,144
Total risk-based capital ratio12.0447%5,048
Memoranda:
Average total assets$145,776,6703,492
Average earning assets$136,451,3303,468
Average equity$11,344,3304,176
Average total loans$107,538,6703,210
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4851%1,911
Cost of funding earning assets0.4703%3,039
Net interest margin4.0148%1,680
Noninterest income to average assets0.4952%2,832
Noninterest expense to average assets3.1855%1,597
Loan and lease loss provision to assets0.0028%3,482
Net operating income to assets1.0646%2,589
Return on assets (ROA)1.0646%2,600
Pretax return on assets1.0646%3,301
Return on Equity (ROE)13.6683%1,094
Retained earnings to average equity (ytd only)-5.2978%5,214
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9030%1,760
Assets per employee ($millions)4.1058%3,794
Cash dividends to net income (ytd only)*138.7597%347
Condition Ratios (%)
Loss allowance to loans1.2053%2,777
Loan loss allowance to noncurrent loans3,765.7143%204
Noncurrent assets plus other real estate owned to assets0.0230%4,999
Noncurrent loans to loans0.0320%4,836
Net loans and leases to total assets71.1117%2,313
Net loans and leases to deposits78.0079%3,015
Net loans and leases to core deposits83.2191%3,038
Total domestic deposits to total assets91.1596%267
Equity capital to assets7.3718%5,456
Core capital (leverage) ratio7.7885%5,449
Tier 1 risk-based capital ratio10.2493%5,429
Total risk-based capital ratio11.4322%5,384
Memoranda:
Average total assets$145,408,0003,526
Average earning assets$136,096,5003,502
Average equity$11,325,5004,222
Average total loans$108,265,5003,225
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5608%1,537
Cost of funding earning assets0.3893%3,339
Net interest margin4.1715%1,247
Noninterest income to average assets0.5740%2,581
Noninterest expense to average assets3.3122%1,353
Loan and lease loss provision to assets0.0653%2,903
Net operating income to assets1.0799%1,935
Return on assets (ROA)1.0799%1,953
Pretax return on assets1.0792%3,266
Return on Equity (ROE)13.6128%827
Retained earnings to average equity (ytd only)5.7979%1,656
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3198%1,854
Assets per employee ($millions)3.3878%4,837
Cash dividends to net income (ytd only)*57.4086%1,886
Condition Ratios (%)
Loss allowance to loans1.2287%2,608
Loan loss allowance to noncurrent loans4,248.3871%205
Noncurrent assets plus other real estate owned to assets0.0223%5,043
Noncurrent loans to loans0.0289%4,881
Net loans and leases to total assets76.2174%1,551
Net loans and leases to deposits84.5460%2,432
Net loans and leases to core deposits90.0359%2,568
Total domestic deposits to total assets90.1490%517
Equity capital to assets8.2448%5,280
Core capital (leverage) ratio8.2186%5,342
Tier 1 risk-based capital ratio10.5226%5,363
Total risk-based capital ratio11.7204%5,289
Memoranda:
Average total assets$139,363,6003,619
Average earning assets$129,714,0003,592
Average equity$11,055,8004,289
Average total loans$104,000,2003,284
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4939%1,663
Cost of funding earning assets0.3778%3,390
Net interest margin4.1160%1,350
Noninterest income to average assets0.5755%2,604
Noninterest expense to average assets3.2922%1,370
Loan and lease loss provision to assets0.0870%2,346
Net operating income to assets1.0286%2,419
Return on assets (ROA)1.0286%2,461
Pretax return on assets1.0286%3,572
Return on Equity (ROE)13.0936%1,037
Retained earnings to average equity (ytd only)2.5798%4,339
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.6910%1,789
Assets per employee ($millions)3.8604%4,221
Cash dividends to net income (ytd only)*80.2974%633
Condition Ratios (%)
Loss allowance to loans1.2109%2,866
Loan loss allowance to noncurrent loans65,850.0000%15
Noncurrent assets plus other real estate owned to assets0.0014%5,274
Noncurrent loans to loans0.0018%5,157
Net loans and leases to total assets75.2237%1,723
Net loans and leases to deposits86.4116%2,250
Net loans and leases to core deposits91.6328%2,478
Total domestic deposits to total assets87.0528%1,851
Equity capital to assets7.8154%5,565
Core capital (leverage) ratio7.8962%5,545
Tier 1 risk-based capital ratio9.8131%5,631
Total risk-based capital ratio10.9731%5,619
Memoranda:
Average total assets$139,479,5003,651
Average earning assets$129,862,5003,626
Average equity$10,956,7504,348
Average total loans$103,204,5003,328
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4392%1,699
Cost of funding earning assets0.3620%3,462
Net interest margin4.0771%1,389
Noninterest income to average assets0.5796%2,561
Noninterest expense to average assets3.3058%1,364
Loan and lease loss provision to assets0.0882%2,220
Net operating income to assets0.9786%2,528
Return on assets (ROA)0.9786%2,579
Pretax return on assets0.9786%3,639
Return on Equity (ROE)12.4357%1,178
Retained earnings to average equity (ytd only)0.5511%4,963
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6033%1,789
Assets per employee ($millions)3.7537%4,351
Cash dividends to net income (ytd only)*95.5687%535
Condition Ratios (%)
Loss allowance to loans1.2055%2,979
Loan loss allowance to noncurrent loans42,900.0000%18
Noncurrent assets plus other real estate owned to assets0.0021%5,316
Noncurrent loans to loans0.0028%5,195
Net loans and leases to total assets73.9440%1,879
Net loans and leases to deposits84.1502%2,453
Net loans and leases to core deposits89.3884%2,582
Total domestic deposits to total assets87.8715%1,525
Equity capital to assets7.7048%5,616
Core capital (leverage) ratio7.7113%5,608
Tier 1 risk-based capital ratio9.6667%5,684
Total risk-based capital ratio10.8019%5,688
Memoranda:
Average total assets$138,361,3303,691
Average earning assets$128,718,0003,660
Average equity$10,888,0004,374
Average total loans$101,352,0003,371
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3763%1,726
Cost of funding earning assets0.3597%3,423
Net interest margin4.0166%1,427
Noninterest income to average assets0.5550%2,633
Noninterest expense to average assets3.1948%1,622
Loan and lease loss provision to assets0.0881%2,072
Net operating income to assets1.0101%2,265
Return on assets (ROA)1.0101%2,316
Pretax return on assets1.0101%3,322
Return on Equity (ROE)12.6972%1,062
Retained earnings to average equity (ytd only)-2.9528%5,256
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4186%2,160
Assets per employee ($millions)3.8332%4,294
Cash dividends to net income (ytd only)*123.2558%522
Condition Ratios (%)
Loss allowance to loans1.2535%2,802
Loan loss allowance to noncurrent loans4,186.6667%185
Noncurrent assets plus other real estate owned to assets0.0212%5,251
Noncurrent loans to loans0.0299%5,091
Net loans and leases to total assets69.7608%2,427
Net loans and leases to deposits76.8402%3,098
Net loans and leases to core deposits82.1653%3,078
Total domestic deposits to total assets90.7868%364
Equity capital to assets7.6296%5,648
Core capital (leverage) ratio7.8382%5,615
Tier 1 risk-based capital ratio10.2749%5,627
Total risk-based capital ratio11.4645%5,593
Memoranda:
Average total assets$136,222,5003,754
Average earning assets$126,773,5003,725
Average equity$10,837,0004,413
Average total loans$98,648,0003,445
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3778%1,886
Cost of funding earning assets0.2909%4,165
Net interest margin4.0869%1,410
Noninterest income to average assets0.6203%2,551
Noninterest expense to average assets3.4384%1,279
Loan and lease loss provision to assets0.0934%2,491
Net operating income to assets0.8723%2,969
Return on assets (ROA)0.8700%3,090
Pretax return on assets0.8829%3,902
Return on Equity (ROE)10.7466%1,671
Retained earnings to average equity (ytd only)5.2233%2,188
Net charge-offs to loans-0.0255%5,191
Credit loss provision to net charge-offs-534.7826%5,180
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.8446%1,712
Assets per employee ($millions)3.6282%4,567
Cash dividends to net income (ytd only)*51.3962%2,227
Condition Ratios (%)
Loss allowance to loans1.2626%2,745
Loan loss allowance to noncurrent loans2,990.2439%236
Noncurrent assets plus other real estate owned to assets0.0314%5,244
Noncurrent loans to loans0.0422%5,079
Net loans and leases to total assets73.4007%1,943
Net loans and leases to deposits81.5593%2,718
Net loans and leases to core deposits87.3654%2,743
Total domestic deposits to total assets89.9966%626
Equity capital to assets8.3091%5,412
Core capital (leverage) ratio8.4681%5,293
Tier 1 risk-based capital ratio10.7639%5,458
Total risk-based capital ratio11.9714%5,384
Memoranda:
Average total assets$131,719,0003,800
Average earning assets$122,367,4003,785
Average equity$10,663,8004,468
Average total loans$90,069,8003,576
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3530%1,990
Cost of funding earning assets0.2786%4,309
Net interest margin4.0744%1,465
Noninterest income to average assets0.6263%2,540
Noninterest expense to average assets3.4192%1,312
Loan and lease loss provision to assets0.0929%2,365
Net operating income to assets0.8787%3,016
Return on assets (ROA)0.8758%3,156
Pretax return on assets0.8929%4,003
Return on Equity (ROE)10.8884%1,711
Retained earnings to average equity (ytd only)3.4914%3,805
Net charge-offs to loans-0.0377%5,262
Credit loss provision to net charge-offs-368.0000%4,994
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5665%1,758
Assets per employee ($millions)3.3353%5,001
Cash dividends to net income (ytd only)*67.9352%1,101
Condition Ratios (%)
Loss allowance to loans1.2656%2,862
Loan loss allowance to noncurrent loans5,440.9091%137
Noncurrent assets plus other real estate owned to assets0.0169%5,447
Noncurrent loans to loans0.0233%5,291
Net loans and leases to total assets71.7934%2,224
Net loans and leases to deposits79.8929%2,978
Net loans and leases to core deposits85.4151%3,002
Total domestic deposits to total assets89.8621%527
Equity capital to assets8.3797%5,592
Core capital (leverage) ratio8.3234%5,488
Tier 1 risk-based capital ratio10.5863%5,578
Total risk-based capital ratio11.7761%5,528
Memoranda:
Average total assets$131,994,7503,820
Average earning assets$122,517,5003,805
Average equity$10,616,5004,516
Average total loans$88,312,5003,626
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2114%2,479
Cost of funding earning assets0.2633%4,514
Net interest margin3.9481%1,817
Noninterest income to average assets0.6077%2,576
Noninterest expense to average assets3.3943%1,386
Loan and lease loss provision to assets0.0935%2,284
Net operating income to assets0.7566%3,522
Return on assets (ROA)0.7449%3,732
Pretax return on assets0.7705%4,390
Return on Equity (ROE)9.3898%2,317
Retained earnings to average equity (ytd only)1.5396%4,762
Net charge-offs to loans-0.0580%5,424
Credit loss provision to net charge-offs-248.0000%4,767
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4845%1,565
Assets per employee ($millions)3.3938%4,932
Cash dividends to net income (ytd only)*83.6032%819
Condition Ratios (%)
Loss allowance to loans1.2839%2,881
Loan loss allowance to noncurrent loans2,482.9787%269
Noncurrent assets plus other real estate owned to assets0.0364%5,434
Noncurrent loans to loans0.0517%5,255
Net loans and leases to total assets69.5752%2,536
Net loans and leases to deposits78.0567%3,153
Net loans and leases to core deposits83.5711%3,119
Total domestic deposits to total assets89.1342%859
Equity capital to assets8.3628%5,666
Core capital (leverage) ratio8.0724%5,687
Tier 1 risk-based capital ratio10.6931%5,581
Total risk-based capital ratio11.8869%5,524
Memoranda:
Average total assets$132,634,3303,836
Average earning assets$123,046,3303,822
Average equity$10,522,0004,563
Average total loans$86,222,3303,688
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0404%3,067
Cost of funding earning assets0.2587%4,624
Net interest margin3.7816%2,367
Noninterest income to average assets0.6009%2,522
Noninterest expense to average assets3.3673%1,451
Loan and lease loss provision to assets0.0892%2,192
Net operating income to assets0.6663%3,891
Return on assets (ROA)0.6663%4,012
Pretax return on assets0.6663%4,635
Return on Equity (ROE)8.6233%2,599
Retained earnings to average equity (ytd only)-1.6939%5,355
Net charge-offs to loans0.0048%2,956
Credit loss provision to net charge-offs3,000.0000%136
Earnings coverage of net charge-offs (x)254.0000%238
Efficiency ratio81.6739%1,402
Assets per employee ($millions)3.7089%4,450
Cash dividends to net income (ytd only)*119.6429%533
Condition Ratios (%)
Loss allowance to loans1.2826%2,994
Loan loss allowance to noncurrent loans2,464.4444%271
Noncurrent assets plus other real estate owned to assets0.0328%5,512
Noncurrent loans to loans0.0520%5,281
Net loans and leases to total assets62.1970%3,498
Net loans and leases to deposits67.4109%4,117
Net loans and leases to core deposits73.5459%3,936
Total domestic deposits to total assets92.2655%84
Equity capital to assets7.6346%5,921
Core capital (leverage) ratio7.6621%5,884
Tier 1 risk-based capital ratio11.0668%5,473
Total risk-based capital ratio12.2552%5,408
Memoranda:
Average total assets$134,469,5003,825
Average earning assets$125,236,5003,800
Average equity$10,390,5004,598
Average total loans$83,886,5003,760
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1736%2,647
Cost of funding earning assets0.2711%4,572
Net interest margin3.9025%2,020
Noninterest income to average assets0.7001%2,200
Noninterest expense to average assets3.5724%1,176
Loan and lease loss provision to assets0.0969%2,371
Net operating income to assets0.6347%4,112
Return on assets (ROA)0.6339%4,207
Pretax return on assets0.6339%4,728
Return on Equity (ROE)7.6863%3,143
Retained earnings to average equity (ytd only)1.2533%5,003
Net charge-offs to loans0.0833%2,643
Credit loss provision to net charge-offs181.8182%1,499
Earnings coverage of net charge-offs (x)13.7273%2,354
Efficiency ratio83.0019%1,275
Assets per employee ($millions)3.2124%5,278
Cash dividends to net income (ytd only)*83.6943%773
Condition Ratios (%)
Loss allowance to loans1.3282%2,763
Loan loss allowance to noncurrent loans2,347.8261%289
Noncurrent assets plus other real estate owned to assets0.0349%5,543
Noncurrent loans to loans0.0566%5,290
Net loans and leases to total assets60.9154%3,706
Net loans and leases to deposits66.1644%4,303
Net loans and leases to core deposits70.3873%4,276
Total domestic deposits to total assets92.0666%108
Equity capital to assets7.8233%5,914
Core capital (leverage) ratio8.5423%5,383
Tier 1 risk-based capital ratio11.5403%5,222
Total risk-based capital ratio12.7441%5,161
Memoranda:
Average total assets$123,837,4004,009
Average earning assets$114,362,4003,993
Average equity$10,213,0004,616
Average total loans$79,262,4003,848
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1935%2,596
Cost of funding earning assets0.2775%4,590
Net interest margin3.9160%1,980
Noninterest income to average assets0.7166%2,161
Noninterest expense to average assets3.5797%1,153
Loan and lease loss provision to assets0.1094%2,058
Net operating income to assets0.6400%4,181
Return on assets (ROA)0.6389%4,305
Pretax return on assets0.6389%4,870
Return on Equity (ROE)7.6411%3,260
Retained earnings to average equity (ytd only)-0.9551%5,756
Net charge-offs to loans0.1033%2,103
Credit loss provision to net charge-offs163.9344%1,569
Earnings coverage of net charge-offs (x)11.2297%2,514
Efficiency ratio82.6889%1,308
Assets per employee ($millions)2.8653%5,694
Cash dividends to net income (ytd only)*112.4998%260
Condition Ratios (%)
Loss allowance to loans1.3316%2,947
Loan loss allowance to noncurrent loans995.3271%584
Noncurrent assets plus other real estate owned to assets0.0868%5,398
Noncurrent loans to loans0.1338%5,096
Net loans and leases to total assets64.0494%3,301
Net loans and leases to deposits70.0045%3,987
Net loans and leases to core deposits74.8326%3,924
Total domestic deposits to total assets91.4932%158
Equity capital to assets8.3274%5,814
Core capital (leverage) ratio8.3471%5,679
Tier 1 risk-based capital ratio11.3305%5,477
Total risk-based capital ratio12.5181%5,409
Memoranda:
Average total assets$121,869,5004,084
Average earning assets$112,425,5004,075
Average equity$10,190,2504,679
Average total loans$78,750,2503,901
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1590%2,688
Cost of funding earning assets0.2805%4,608
Net interest margin3.8785%2,053
Noninterest income to average assets0.7264%2,108
Noninterest expense to average assets3.5578%1,202
Loan and lease loss provision to assets0.1318%1,667
Net operating income to assets0.6127%4,281
Return on assets (ROA)0.6127%4,404
Pretax return on assets0.6127%4,944
Return on Equity (ROE)7.3178%3,427
Retained earnings to average equity (ytd only)-3.1474%5,928
Net charge-offs to loans0.1813%1,370
Credit loss provision to net charge-offs112.6761%1,893
Earnings coverage of net charge-offs (x)6.3662%2,793
Efficiency ratio82.6953%1,409
Assets per employee ($millions)2.8452%5,771
Cash dividends to net income (ytd only)*143.0108%212
Condition Ratios (%)
Loss allowance to loans1.3317%3,070
Loan loss allowance to noncurrent loans690.0000%772
Noncurrent assets plus other real estate owned to assets0.4505%4,128
Noncurrent loans to loans0.1930%5,004
Net loans and leases to total assets61.2543%3,660
Net loans and leases to deposits66.7325%4,263
Net loans and leases to core deposits71.2356%4,200
Total domestic deposits to total assets91.7907%152
Equity capital to assets8.0663%5,952
Core capital (leverage) ratio8.2696%5,733
Tier 1 risk-based capital ratio11.6144%5,399
Total risk-based capital ratio12.8083%5,343
Memoranda:
Average total assets$121,423,3304,130
Average earning assets$111,951,0004,119
Average equity$10,167,0004,710
Average total loans$78,340,6703,936
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1789%2,537
Cost of funding earning assets0.2827%4,637
Net interest margin3.8962%1,907
Noninterest income to average assets0.7361%1,985
Noninterest expense to average assets3.5268%1,253
Loan and lease loss provision to assets0.2008%925
Net operating income to assets0.6056%4,265
Return on assets (ROA)0.6056%4,359
Pretax return on assets0.6056%4,902
Return on Equity (ROE)7.0970%3,456
Retained earnings to average equity (ytd only)-9.1751%6,109
Net charge-offs to loans0.1983%1,141
Credit loss provision to net charge-offs153.8462%1,228
Earnings coverage of net charge-offs (x)6.1795%2,320
Efficiency ratio81.3900%1,704
Assets per employee ($millions)2.9807%5,694
Cash dividends to net income (ytd only)*229.2818%178
Condition Ratios (%)
Loss allowance to loans1.3737%3,044
Loan loss allowance to noncurrent loans1,938.8889%311
Noncurrent assets plus other real estate owned to assets0.3794%4,500
Noncurrent loans to loans0.0709%5,488
Net loans and leases to total assets60.0427%3,644
Net loans and leases to deposits65.3845%4,218
Net loans and leases to core deposits69.7932%4,174
Total domestic deposits to total assets91.8301%169
Equity capital to assets8.0781%5,994
Core capital (leverage) ratio8.3299%5,695
Tier 1 risk-based capital ratio11.8282%5,352
Total risk-based capital ratio13.0666%5,259
Memoranda:
Average total assets$119,541,0004,193
Average earning assets$110,364,5004,174
Average equity$10,201,5004,735
Average total loans$78,652,0003,943
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4989%1,871
Cost of funding earning assets0.2965%4,827
Net interest margin4.2024%1,293
Noninterest income to average assets0.8366%1,727
Noninterest expense to average assets3.5557%1,378
Loan and lease loss provision to assets0.4119%429
Net operating income to assets0.7585%3,577
Return on assets (ROA)0.7585%3,684
Pretax return on assets0.7611%4,399
Return on Equity (ROE)8.7826%2,690
Retained earnings to average equity (ytd only)2.6228%4,377
Net charge-offs to loans0.6338%618
Credit loss provision to net charge-offs91.9540%2,606
Earnings coverage of net charge-offs (x)2.6188%4,104
Efficiency ratio75.1951%2,637
Assets per employee ($millions)2.7778%5,953
Cash dividends to net income (ytd only)*70.1357%1,282
Condition Ratios (%)
Loss allowance to loans1.2653%3,620
Loan loss allowance to noncurrent loans554.5946%984
Noncurrent assets plus other real estate owned to assets0.5154%4,080
Noncurrent loans to loans0.2281%5,004
Net loans and leases to total assets70.2979%2,192
Net loans and leases to deposits77.3825%3,038
Net loans and leases to core deposits82.5052%3,044
Total domestic deposits to total assets90.8448%415
Equity capital to assets9.0350%5,249
Core capital (leverage) ratio9.1531%4,747
Tier 1 risk-based capital ratio11.9671%5,383
Total risk-based capital ratio13.1655%5,328
Memoranda:
Average total assets$116,545,8004,246
Average earning assets$107,938,6004,227
Average equity$10,065,4004,737
Average total loans$82,355,2003,808
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4513%2,046
Cost of funding earning assets0.2988%4,899
Net interest margin4.1525%1,422
Noninterest income to average assets0.8543%1,679
Noninterest expense to average assets3.5650%1,355
Loan and lease loss provision to assets0.4778%319
Net operating income to assets0.6655%4,126
Return on assets (ROA)0.6655%4,226
Pretax return on assets0.6689%4,808
Return on Equity (ROE)7.7926%3,318
Retained earnings to average equity (ytd only)1.6784%5,208
Net charge-offs to loans0.8386%393
Credit loss provision to net charge-offs80.7692%2,580
Earnings coverage of net charge-offs (x)1.9385%4,034
Efficiency ratio75.6639%2,542
Assets per employee ($millions)2.7387%6,037
Cash dividends to net income (ytd only)*78.4610%783
Condition Ratios (%)
Loss allowance to loans1.1648%4,410
Loan loss allowance to noncurrent loans197.5510%2,182
Noncurrent assets plus other real estate owned to assets0.7944%3,437
Noncurrent loans to loans0.5896%4,156
Net loans and leases to total assets73.1478%1,657
Net loans and leases to deposits80.5836%2,605
Net loans and leases to core deposits85.5990%2,706
Total domestic deposits to total assets90.7726%429
Equity capital to assets9.0413%5,310
Core capital (leverage) ratio8.9568%5,125
Tier 1 risk-based capital ratio11.8089%5,605
Total risk-based capital ratio12.9399%5,594
Memoranda:
Average total assets$117,209,5004,277
Average earning assets$108,879,5004,248
Average equity$10,009,2504,782
Average total loans$82,671,7503,827
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3976%2,183
Cost of funding earning assets0.2995%4,972
Net interest margin4.0982%1,516
Noninterest income to average assets0.8599%1,623
Noninterest expense to average assets3.4800%1,514
Loan and lease loss provision to assets0.6058%232
Net operating income to assets0.5688%4,502
Return on assets (ROA)0.5688%4,605
Pretax return on assets0.5738%5,040
Return on Equity (ROE)6.7860%3,724
Retained earnings to average equity (ytd only)-0.1205%5,707
Net charge-offs to loans1.2190%255
Credit loss provision to net charge-offs71.5706%2,446
Earnings coverage of net charge-offs (x)1.3936%3,813
Efficiency ratio74.6840%2,858
Assets per employee ($millions)2.9497%5,821
Cash dividends to net income (ytd only)*101.7751%509
Condition Ratios (%)
Loss allowance to loans1.1174%4,824
Loan loss allowance to noncurrent loans203.7445%2,094
Noncurrent assets plus other real estate owned to assets0.7441%3,733
Noncurrent loans to loans0.5484%4,369
Net loans and leases to total assets71.1545%1,895
Net loans and leases to deposits78.0923%2,791
Net loans and leases to core deposits81.7722%2,999
Total domestic deposits to total assets91.1159%376
Equity capital to assets8.7328%5,586
Core capital (leverage) ratio8.3371%5,811
Tier 1 risk-based capital ratio11.6134%5,738
Total risk-based capital ratio12.6904%5,790
Memoranda:
Average total assets$118,851,0004,268
Average earning assets$110,195,6704,239
Average equity$9,961,6704,813
Average total loans$82,528,3303,843
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3049%2,500
Cost of funding earning assets0.2894%5,178
Net interest margin4.0155%1,708
Noninterest income to average assets0.8944%1,409
Noninterest expense to average assets3.3488%1,827
Loan and lease loss provision to assets0.7287%165
Net operating income to assets0.5300%4,555
Return on assets (ROA)0.5300%4,621
Pretax return on assets0.5399%5,046
Return on Equity (ROE)6.4519%3,779
Retained earnings to average equity (ytd only)-3.2260%5,985
Net charge-offs to loans0.7039%510
Credit loss provision to net charge-offs151.7241%1,246
Earnings coverage of net charge-offs (x)2.6414%2,829
Efficiency ratio72.5251%3,393
Assets per employee ($millions)3.0933%5,704
Cash dividends to net income (ytd only)*150.0000%395
Condition Ratios (%)
Loss allowance to loans1.3770%3,709
Loan loss allowance to noncurrent loans205.9459%2,037
Noncurrent assets plus other real estate owned to assets0.7734%3,810
Noncurrent loans to loans0.6686%4,189
Net loans and leases to total assets66.1632%2,540
Net loans and leases to deposits71.9888%3,336
Net loans and leases to core deposits74.9645%3,528
Total domestic deposits to total assets91.9075%274
Equity capital to assets7.9963%6,063
Core capital (leverage) ratio8.0029%6,116
Tier 1 risk-based capital ratio11.2282%6,055
Total risk-based capital ratio12.4792%6,005
Memoranda:
Average total assets$120,758,0004,260
Average earning assets$111,966,5004,216
Average equity$9,919,5004,836
Average total loans$82,403,0003,876
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7035%1,566
Cost of funding earning assets0.3460%5,185
Net interest margin4.3575%981
Noninterest income to average assets0.8620%1,820
Noninterest expense to average assets3.5592%1,527
Loan and lease loss provision to assets0.2714%1,301
Net operating income to assets1.0729%2,021
Return on assets (ROA)1.0805%2,072
Pretax return on assets1.0805%3,025
Return on Equity (ROE)14.1595%914
Retained earnings to average equity (ytd only)4.8429%2,705
Net charge-offs to loans0.0819%4,065
Credit loss provision to net charge-offs460.8696%497
Earnings coverage of net charge-offs (x)22.8261%1,436
Efficiency ratio72.5849%3,372
Assets per employee ($millions)2.8728%6,014
Cash dividends to net income (ytd only)*65.7978%1,498
Condition Ratios (%)
Loss allowance to loans1.3057%4,113
Loan loss allowance to noncurrent loans1,941.8182%304
Noncurrent assets plus other real estate owned to assets0.3880%5,091
Noncurrent loans to loans0.0672%6,019
Net loans and leases to total assets68.5407%2,251
Net loans and leases to deposits74.9554%3,106
Net loans and leases to core deposits78.1170%3,343
Total domestic deposits to total assets91.4420%422
Equity capital to assets8.4434%5,645
Core capital (leverage) ratio8.6248%5,510
Tier 1 risk-based capital ratio11.4220%5,951
Total risk-based capital ratio12.6442%5,903
Memoranda:
Average total assets$117,162,8004,337
Average earning assets$108,664,4004,293
Average equity$8,941,0005,095
Average total loans$84,232,2003,820
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6883%1,630
Cost of funding earning assets0.3565%5,236
Net interest margin4.3318%1,025
Noninterest income to average assets0.8478%1,947
Noninterest expense to average assets3.5883%1,421
Loan and lease loss provision to assets0.2769%1,257
Net operating income to assets1.0119%2,331
Return on assets (ROA)1.0221%2,375
Pretax return on assets1.0221%3,409
Return on Equity (ROE)13.7626%1,052
Retained earnings to average equity (ytd only)3.9277%3,899
Net charge-offs to loans0.1147%3,401
Credit loss provision to net charge-offs332.8767%779
Earnings coverage of net charge-offs (x)15.4933%1,857
Efficiency ratio73.5748%3,130
Assets per employee ($millions)2.6868%6,289
Cash dividends to net income (ytd only)*71.4608%1,033
Condition Ratios (%)
Loss allowance to loans1.1363%5,180
Loan loss allowance to noncurrent loans766.6667%615
Noncurrent assets plus other real estate owned to assets0.6535%4,479
Noncurrent loans to loans0.1482%5,879
Net loans and leases to total assets74.4794%1,217
Net loans and leases to deposits80.7706%2,293
Net loans and leases to core deposits84.2148%2,629
Total domestic deposits to total assets92.2110%218
Equity capital to assets7.6159%6,345
Core capital (leverage) ratio7.6289%6,393
Tier 1 risk-based capital ratio9.9388%6,608
Total risk-based capital ratio11.0553%6,620
Memoranda:
Average total assets$117,007,5004,379
Average earning assets$108,836,5004,335
Average equity$8,690,0005,218
Average total loans$84,840,7503,842
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6539%1,692
Cost of funding earning assets0.3714%5,217
Net interest margin4.2825%1,064
Noninterest income to average assets0.8085%2,151
Noninterest expense to average assets3.5813%1,446
Loan and lease loss provision to assets0.2043%1,859
Net operating income to assets1.0077%2,298
Return on assets (ROA)1.0247%2,340
Pretax return on assets1.0247%3,397
Return on Equity (ROE)13.9132%1,027
Retained earnings to average equity (ytd only)3.7672%3,902
Net charge-offs to loans-0.0808%6,438
Credit loss provision to net charge-offs-352.9412%5,841
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7159%2,986
Assets per employee ($millions)2.7339%6,247
Cash dividends to net income (ytd only)*72.9236%1,103
Condition Ratios (%)
Loss allowance to loans1.1117%5,393
Loan loss allowance to noncurrent loans209.6983%1,917
Noncurrent assets plus other real estate owned to assets0.7449%4,348
Noncurrent loans to loans0.5301%4,940
Net loans and leases to total assets71.9522%1,584
Net loans and leases to deposits77.6397%2,615
Net loans and leases to core deposits80.7931%2,937
Total domestic deposits to total assets92.6744%160
Equity capital to assets7.1726%6,554
Core capital (leverage) ratio7.3442%6,512
Tier 1 risk-based capital ratio9.6531%6,702
Total risk-based capital ratio10.7314%6,707
Memoranda:
Average total assets$117,498,6704,403
Average earning assets$109,327,6704,354
Average equity$8,653,6705,262
Average total loans$84,108,3303,874
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7288%1,458
Cost of funding earning assets0.4133%4,978
Net interest margin4.3155%944
Noninterest income to average assets0.8269%2,009
Noninterest expense to average assets3.6106%1,403
Loan and lease loss provision to assets0.2067%1,797
Net operating income to assets1.0026%2,213
Return on assets (ROA)1.0026%2,330
Pretax return on assets1.0026%3,339
Return on Equity (ROE)13.4310%1,072
Retained earnings to average equity (ytd only)1.8923%5,048
Net charge-offs to loans0.0049%4,068
Credit loss provision to net charge-offs6,000.0000%40
Earnings coverage of net charge-offs (x)351.0000%107
Efficiency ratio74.9107%3,109
Assets per employee ($millions)2.8360%6,232
Cash dividends to net income (ytd only)*85.9107%804
Condition Ratios (%)
Loss allowance to loans1.0550%5,775
Loan loss allowance to noncurrent loans250.8571%1,562
Noncurrent assets plus other real estate owned to assets0.6565%4,732
Noncurrent loans to loans0.4206%5,367
Net loans and leases to total assets69.1327%1,817
Net loans and leases to deposits74.6909%2,821
Net loans and leases to core deposits77.7575%3,109
Total domestic deposits to total assets92.5583%169
Equity capital to assets7.2922%6,645
Core capital (leverage) ratio7.3214%6,535
Tier 1 risk-based capital ratio9.7630%6,727
Total risk-based capital ratio10.7609%6,750
Memoranda:
Average total assets$116,102,5004,481
Average earning assets$107,427,0004,436
Average equity$8,666,5005,316
Average total loans$82,400,0003,942
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4709%3,523
Cost of funding earning assets0.4826%5,336
Net interest margin3.9883%2,439
Noninterest income to average assets0.8950%1,874
Noninterest expense to average assets3.7084%1,398
Loan and lease loss provision to assets0.4340%1,469
Net operating income to assets0.4445%4,904
Return on assets (ROA)0.6172%4,424
Pretax return on assets0.6198%4,929
Return on Equity (ROE)8.3195%2,950
Retained earnings to average equity (ytd only)5.0432%2,674
Net charge-offs to loans0.5163%2,179
Credit loss provision to net charge-offs131.9261%2,121
Earnings coverage of net charge-offs (x)2.6781%4,089
Efficiency ratio80.2724%2,109
Assets per employee ($millions)2.6300%6,509
Cash dividends to net income (ytd only)*39.3812%2,885
Condition Ratios (%)
Loss allowance to loans1.0040%5,946
Loan loss allowance to noncurrent loans10,237.5000%74
Noncurrent assets plus other real estate owned to assets0.4156%5,451
Noncurrent loans to loans0.0098%6,542
Net loans and leases to total assets71.4082%1,587
Net loans and leases to deposits77.4165%2,600
Net loans and leases to core deposits79.7033%3,049
Total domestic deposits to total assets92.2391%204
Equity capital to assets7.6460%6,571
Core capital (leverage) ratio7.6082%6,442
Tier 1 risk-based capital ratio10.0179%6,696
Total risk-based capital ratio10.9777%6,743
Memoranda:
Average total assets$115,196,4004,461
Average earning assets$106,712,0004,423
Average equity$8,546,2005,352
Average total loans$73,406,0004,228
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3136%4,406
Cost of funding earning assets0.4914%5,497
Net interest margin3.8222%3,238
Noninterest income to average assets0.8941%1,849
Noninterest expense to average assets3.6558%1,443
Loan and lease loss provision to assets0.3514%1,854
Net operating income to assets0.4431%5,066
Return on assets (ROA)0.6279%4,510
Pretax return on assets0.6314%5,074
Return on Equity (ROE)8.5278%3,032
Retained earnings to average equity (ytd only)4.1465%3,984
Net charge-offs to loans0.3793%2,580
Credit loss provision to net charge-offs150.2463%1,875
Earnings coverage of net charge-offs (x)3.4039%3,659
Efficiency ratio81.9617%1,813
Assets per employee ($millions)2.7096%6,476
Cash dividends to net income (ytd only)*51.3755%1,636
Condition Ratios (%)
Loss allowance to loans1.0178%6,014
Loan loss allowance to noncurrent loans223.4637%1,597
Noncurrent assets plus other real estate owned to assets0.7038%4,929
Noncurrent loans to loans0.4555%5,536
Net loans and leases to total assets66.7760%2,506
Net loans and leases to deposits72.2127%3,578
Net loans and leases to core deposits74.2740%3,943
Total domestic deposits to total assets92.4712%153
Equity capital to assets7.3666%6,801
Core capital (leverage) ratio7.4554%6,643
Tier 1 risk-based capital ratio10.2558%6,737
Total risk-based capital ratio11.2372%6,780
Memoranda:
Average total assets$115,722,5004,490
Average earning assets$107,719,5004,447
Average equity$8,521,0005,410
Average total loans$71,363,5004,349
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2685%4,693
Cost of funding earning assets0.5105%5,552
Net interest margin3.7580%3,551
Noninterest income to average assets0.9077%1,757
Noninterest expense to average assets3.6480%1,474
Loan and lease loss provision to assets0.1472%3,675
Net operating income to assets0.6025%4,358
Return on assets (ROA)0.7483%3,890
Pretax return on assets0.7535%4,633
Return on Equity (ROE)10.1643%2,290
Retained earnings to average equity (ytd only)6.6350%2,311
Net charge-offs to loans0.5337%1,992
Credit loss provision to net charge-offs46.1957%4,124
Earnings coverage of net charge-offs (x)2.3641%3,820
Efficiency ratio82.7233%1,785
Assets per employee ($millions)2.5839%6,675
Cash dividends to net income (ytd only)*34.7222%2,405
Condition Ratios (%)
Loss allowance to loans0.8397%6,587
Loan loss allowance to noncurrent loans2,139.2857%228
Noncurrent assets plus other real estate owned to assets0.4433%5,667
Noncurrent loans to loans0.0393%6,582
Net loans and leases to total assets62.2195%3,385
Net loans and leases to deposits67.4170%4,297
Net loans and leases to core deposits69.7971%4,548
Total domestic deposits to total assets92.2905%186
Equity capital to assets7.5591%6,780
Core capital (leverage) ratio7.2604%6,739
Tier 1 risk-based capital ratio10.3080%6,754
Total risk-based capital ratio11.0452%6,869
Memoranda:
Average total assets$115,459,3304,519
Average earning assets$107,343,3304,477
Average equity$8,500,3305,416
Average total loans$68,950,6704,452
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2532%4,913
Cost of funding earning assets0.5150%5,720
Net interest margin3.7382%3,646
Noninterest income to average assets0.9042%1,729
Noninterest expense to average assets3.5000%1,764
Loan and lease loss provision to assets0.1135%3,935
Net operating income to assets0.7598%3,574
Return on assets (ROA)0.7908%3,663
Pretax return on assets0.7908%4,446
Return on Equity (ROE)10.8831%2,067
Retained earnings to average equity (ytd only)6.1513%2,867
Net charge-offs to loans0.1122%3,450
Credit loss provision to net charge-offs173.6842%1,471
Earnings coverage of net charge-offs (x)13.3684%1,543
Efficiency ratio79.8742%2,221
Assets per employee ($millions)2.8688%6,407
Cash dividends to net income (ytd only)*43.4783%1,660
Condition Ratios (%)
Loss allowance to loans1.0339%6,137
Loan loss allowance to noncurrent loans217.7370%1,515
Noncurrent assets plus other real estate owned to assets0.9893%4,524
Noncurrent loans to loans0.4749%5,723
Net loans and leases to total assets56.5615%4,281
Net loans and leases to deposits60.9705%5,049
Net loans and leases to core deposits62.9856%5,221
Total domestic deposits to total assets92.7687%158
Equity capital to assets7.0761%6,914
Core capital (leverage) ratio6.9485%6,859
Tier 1 risk-based capital ratio10.5547%6,719
Total risk-based capital ratio11.4687%6,823
Memoranda:
Average total assets$116,343,5004,532
Average earning assets$107,965,5004,486
Average equity$8,453,5005,448
Average total loans$67,757,5004,526
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4227%5,335
Cost of funding earning assets0.7528%5,191
Net interest margin3.6699%4,429
Noninterest income to average assets1.0166%1,320
Noninterest expense to average assets3.8633%1,234
Loan and lease loss provision to assets0.0557%5,901
Net operating income to assets0.4770%4,517
Return on assets (ROA)0.5144%4,570
Pretax return on assets0.5220%4,925
Return on Equity (ROE)6.7044%3,534
Retained earnings to average equity (ytd only)5.4742%2,318
Net charge-offs to loans0.1178%5,206
Credit loss provision to net charge-offs79.7297%4,465
Earnings coverage of net charge-offs (x)7.7297%2,280
Efficiency ratio87.5670%1,392
Assets per employee ($millions)2.7365%6,552
Cash dividends to net income (ytd only)*18.3486%3,602
Condition Ratios (%)
Loss allowance to loans1.0472%6,007
Loan loss allowance to noncurrent loans1,789.7436%262
Noncurrent assets plus other real estate owned to assets0.8057%5,018
Noncurrent loans to loans0.0585%6,669
Net loans and leases to total assets58.7841%4,231
Net loans and leases to deposits63.6161%5,058
Net loans and leases to core deposits65.2997%5,338
Total domestic deposits to total assets92.4044%189
Equity capital to assets7.4699%6,823
Core capital (leverage) ratio7.3454%6,728
Tier 1 risk-based capital ratio10.3413%6,759
Total risk-based capital ratio11.2335%6,856
Memoranda:
Average total assets$105,944,4004,734
Average earning assets$97,768,4004,693
Average equity$8,129,0005,533
Average total loans$62,808,8004,758
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4481%5,436
Cost of funding earning assets0.8141%5,061
Net interest margin3.6339%4,643
Noninterest income to average assets1.0219%1,291
Noninterest expense to average assets3.8869%1,175
Loan and lease loss provision to assets0.0358%5,991
Net operating income to assets0.4476%4,790
Return on assets (ROA)0.4739%4,856
Pretax return on assets0.4841%5,213
Return on Equity (ROE)6.1325%3,962
Retained earnings to average equity (ytd only)5.3061%2,992
Net charge-offs to loans0.1552%4,527
Credit loss provision to net charge-offs38.8889%5,275
Earnings coverage of net charge-offs (x)5.3609%2,808
Efficiency ratio88.5681%1,287
Assets per employee ($millions)2.6600%6,712
Cash dividends to net income (ytd only)*13.4782%3,173
Condition Ratios (%)
Loss allowance to loans1.0318%6,116
Loan loss allowance to noncurrent loans942.2535%388
Noncurrent assets plus other real estate owned to assets0.8573%5,038
Noncurrent loans to loans0.1095%6,655
Net loans and leases to total assets58.8370%4,349
Net loans and leases to deposits63.8255%5,191
Net loans and leases to core deposits65.7375%5,440
Total domestic deposits to total assets92.1840%188
Equity capital to assets7.6482%6,867
Core capital (leverage) ratio7.5432%6,741
Tier 1 risk-based capital ratio10.4816%6,785
Total risk-based capital ratio11.3623%6,914
Memoranda:
Average total assets$104,381,2504,805
Average earning assets$96,459,2504,761
Average equity$8,066,0005,576
Average total loans$61,848,0004,835
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4533%5,514
Cost of funding earning assets0.8489%5,069
Net interest margin3.6043%4,706
Noninterest income to average assets1.0037%1,303
Noninterest expense to average assets3.9486%1,122
Loan and lease loss provision to assets0.0117%6,127
Net operating income to assets0.3566%5,149
Return on assets (ROA)0.3715%5,220
Pretax return on assets0.3871%5,433
Return on Equity (ROE)4.7904%4,551
Retained earnings to average equity (ytd only)3.5363%3,995
Net charge-offs to loans0.2366%3,704
Credit loss provision to net charge-offs8.3333%5,268
Earnings coverage of net charge-offs (x)2.7361%3,474
Efficiency ratio90.9744%1,167
Assets per employee ($millions)2.5206%6,888
Cash dividends to net income (ytd only)*26.1780%2,623
Condition Ratios (%)
Loss allowance to loans1.0158%6,267
Loan loss allowance to noncurrent loans4,043.7500%121
Noncurrent assets plus other real estate owned to assets0.8515%5,170
Noncurrent loans to loans0.0251%6,929
Net loans and leases to total assets61.0034%4,086
Net loans and leases to deposits66.3049%4,954
Net loans and leases to core deposits68.0446%5,286
Total domestic deposits to total assets92.0045%230
Equity capital to assets7.8620%6,763
Core capital (leverage) ratio7.4122%6,801
Tier 1 risk-based capital ratio10.5445%6,776
Total risk-based capital ratio11.4213%6,914
Memoranda:
Average total assets$102,822,0004,884
Average earning assets$94,941,0004,849
Average equity$7,974,3305,621
Average total loans$60,852,0004,919
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3188%5,959
Cost of funding earning assets0.8638%5,180
Net interest margin3.4550%5,204
Noninterest income to average assets0.9516%1,462
Noninterest expense to average assets3.9937%1,041
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.1301%6,012
Return on assets (ROA)0.1560%5,979
Pretax return on assets0.1872%5,971
Return on Equity (ROE)2.0256%5,776
Retained earnings to average equity (ytd only)-0.5064%5,885
Net charge-offs to loans0.4509%2,347
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)0.5970%4,180
Efficiency ratio96.0526%918
Assets per employee ($millions)2.5520%6,909
Cash dividends to net income (ytd only)*125.0000%433
Condition Ratios (%)
Loss allowance to loans1.0698%6,161
Loan loss allowance to noncurrent loans86.3636%3,304
Noncurrent assets plus other real estate owned to assets1.5865%3,868
Noncurrent loans to loans1.2387%4,617
Net loans and leases to total assets57.0963%4,786
Net loans and leases to deposits62.4814%5,443
Net loans and leases to core deposits64.1094%5,713
Total domestic deposits to total assets91.3812%452
Equity capital to assets7.5551%6,839
Core capital (leverage) ratio6.7623%7,094
Tier 1 risk-based capital ratio11.0228%6,497
Total risk-based capital ratio11.9563%6,675
Memoranda:
Average total assets$102,560,5004,928
Average earning assets$94,934,0004,887
Average equity$7,899,0005,643
Average total loans$59,432,5005,027
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9425%4,822
Cost of funding earning assets0.9372%5,998
Net interest margin4.0053%3,002
Noninterest income to average assets1.1524%1,113
Noninterest expense to average assets4.2232%882
Loan and lease loss provision to assets0.2638%4,684
Net operating income to assets0.3914%4,581
Return on assets (ROA)0.3914%4,729
Pretax return on assets0.3245%5,165
Return on Equity (ROE)4.8056%4,159
Retained earnings to average equity (ytd only)2.8782%3,838
Net charge-offs to loans0.0361%6,443
Credit loss provision to net charge-offs1,200.0000%189
Earnings coverage of net charge-offs (x)26.7619%810
Efficiency ratio87.6006%1,512
Assets per employee ($millions)2.4510%7,075
Cash dividends to net income (ytd only)*40.1070%2,596
Condition Ratios (%)
Loss allowance to loans1.2193%5,419
Loan loss allowance to noncurrent loans56.4976%4,627
Noncurrent assets plus other real estate owned to assets2.2142%3,077
Noncurrent loans to loans2.1581%3,360
Net loans and leases to total assets57.4839%5,115
Net loans and leases to deposits63.1788%5,724
Net loans and leases to core deposits64.8987%5,988
Total domestic deposits to total assets90.9861%604
Equity capital to assets7.8546%6,634
Core capital (leverage) ratio7.9526%6,265
Tier 1 risk-based capital ratio11.2249%6,161
Total risk-based capital ratio12.2729%6,282
Memoranda:
Average total assets$95,543,0005,112
Average earning assets$87,283,6005,106
Average equity$7,782,6005,782
Average total loans$58,161,8005,147
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0396%4,625
Cost of funding earning assets0.9521%6,166
Net interest margin4.0875%2,683
Noninterest income to average assets1.1593%1,040
Noninterest expense to average assets4.3092%736
Loan and lease loss provision to assets0.2785%4,351
Net operating income to assets0.3492%4,977
Return on assets (ROA)0.3492%5,146
Pretax return on assets0.2983%5,515
Return on Equity (ROE)4.2467%4,663
Retained earnings to average equity (ytd only)2.5274%4,653
Net charge-offs to loans0.0161%6,453
Credit loss provision to net charge-offs2,814.2857%104
Earnings coverage of net charge-offs (x)58.3055%497
Efficiency ratio88.0208%1,446
Assets per employee ($millions)2.2735%7,328
Cash dividends to net income (ytd only)*40.4852%2,078
Condition Ratios (%)
Loss allowance to loans1.1229%5,842
Loan loss allowance to noncurrent loans78.6885%3,424
Noncurrent assets plus other real estate owned to assets1.5320%4,151
Noncurrent loans to loans1.4270%4,474
Net loans and leases to total assets63.4826%4,223
Net loans and leases to deposits70.4780%5,078
Net loans and leases to core deposits72.3469%5,473
Total domestic deposits to total assets90.0743%840
Equity capital to assets8.4666%6,317
Core capital (leverage) ratio7.9945%6,352
Tier 1 risk-based capital ratio11.3208%6,082
Total risk-based capital ratio12.3275%6,300
Memoranda:
Average total assets$94,306,5005,214
Average earning assets$85,983,7505,208
Average equity$7,755,0005,871
Average total loans$58,082,7505,230
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0446%4,728
Cost of funding earning assets0.9485%6,384
Net interest margin4.0961%2,578
Noninterest income to average assets1.1894%913
Noninterest expense to average assets4.1871%823
Loan and lease loss provision to assets0.2472%4,454
Net operating income to assets0.4774%4,425
Return on assets (ROA)0.4774%4,580
Pretax return on assets0.4774%4,970
Return on Equity (ROE)5.8630%3,867
Retained earnings to average equity (ytd only)3.2688%4,020
Net charge-offs to loans0.0209%6,048
Credit loss provision to net charge-offs1,950.0000%211
Earnings coverage of net charge-offs (x)57.1667%533
Efficiency ratio85.0753%1,810
Assets per employee ($millions)2.2509%7,395
Cash dividends to net income (ytd only)*44.2478%1,899
Condition Ratios (%)
Loss allowance to loans0.9895%6,451
Loan loss allowance to noncurrent loans144.9878%1,910
Noncurrent assets plus other real estate owned to assets1.3286%4,496
Noncurrent loans to loans0.6825%5,884
Net loans and leases to total assets62.7656%4,525
Net loans and leases to deposits69.4613%5,357
Net loans and leases to core deposits71.5674%5,720
Total domestic deposits to total assets90.3606%740
Equity capital to assets8.2262%6,507
Core capital (leverage) ratio7.9027%6,381
Tier 1 risk-based capital ratio11.0874%6,145
Total risk-based capital ratio11.9599%6,506
Memoranda:
Average total assets$94,671,0005,229
Average earning assets$86,033,0005,234
Average equity$7,709,3305,898
Average total loans$57,495,0005,292
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9889%5,068
Cost of funding earning assets0.9363%6,631
Net interest margin4.0526%2,638
Noninterest income to average assets1.2033%839
Noninterest expense to average assets4.2011%806
Loan and lease loss provision to assets0.1478%5,067
Net operating income to assets0.5278%4,246
Return on assets (ROA)0.5278%4,385
Pretax return on assets0.5278%4,863
Return on Equity (ROE)6.5142%3,610
Retained earnings to average equity (ytd only)6.5142%2,357
Net charge-offs to loans0.0498%4,908
Credit loss provision to net charge-offs500.0000%830
Earnings coverage of net charge-offs (x)22.8571%1,073
Efficiency ratio85.9740%1,800
Assets per employee ($millions)2.3345%7,413
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8765%6,908
Loan loss allowance to noncurrent loans8,500.0000%40
Noncurrent assets plus other real estate owned to assets0.8860%5,385
Noncurrent loans to loans0.0103%7,392
Net loans and leases to total assets60.2553%5,080
Net loans and leases to deposits66.5114%5,766
Net loans and leases to core deposits68.9048%6,014
Total domestic deposits to total assets90.5940%694
Equity capital to assets8.0749%6,574
Core capital (leverage) ratio7.5353%6,820
Tier 1 risk-based capital ratio10.9692%6,191
Total risk-based capital ratio11.7119%6,662
Memoranda:
Average total assets$94,737,0005,292
Average earning assets$85,870,5005,307
Average equity$7,675,5005,952
Average total loans$56,277,0005,410
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4159%4,617
Cost of funding earning assets1.1309%6,878
Net interest margin4.2849%1,764
Noninterest income to average assets1.4088%735
Noninterest expense to average assets4.2341%1,052
Loan and lease loss provision to assets0.1334%6,305
Net operating income to assets0.6134%3,282
Return on assets (ROA)0.6989%3,007
Pretax return on assets1.0336%2,484
Return on Equity (ROE)8.4834%2,204
Retained earnings to average equity (ytd only)5.8547%1,408
Net charge-offs to loans0.0879%6,242
Credit loss provision to net charge-offs254.1667%1,386
Earnings coverage of net charge-offs (x)19.8333%1,065
Efficiency ratio80.0954%2,878
Assets per employee ($millions)2.2868%7,486
Cash dividends to net income (ytd only)*30.9859%3,286
Condition Ratios (%)
Loss allowance to loans0.8865%6,873
Loan loss allowance to noncurrent loans3,442.8571%120
Noncurrent assets plus other real estate owned to assets0.8362%5,429
Noncurrent loans to loans0.0257%7,374
Net loans and leases to total assets57.4756%5,743
Net loans and leases to deposits63.9393%6,268
Net loans and leases to core deposits70.1055%6,765
Total domestic deposits to total assets89.8910%1,018
Equity capital to assets8.1294%6,430
Core capital (leverage) ratio8.1927%5,822
Tier 1 risk-based capital ratio11.5296%5,369
Total risk-based capital ratio12.2801%5,858
Memoranda:
Average total assets$91,424,8005,352
Average earning assets$82,498,4005,380
Average equity$7,532,4006,075
Average total loans$54,619,6005,480
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5108%4,363
Cost of funding earning assets1.1813%6,939
Net interest margin4.3294%1,645
Noninterest income to average assets1.3811%789
Noninterest expense to average assets4.2446%984
Loan and lease loss provision to assets0.1350%6,012
Net operating income to assets0.6265%3,509
Return on assets (ROA)0.6385%3,525
Pretax return on assets0.9349%3,115
Return on Equity (ROE)7.7229%2,761
Retained earnings to average equity (ytd only)7.7229%1,225
Net charge-offs to loans0.1146%5,533
Credit loss provision to net charge-offs195.7447%2,298
Earnings coverage of net charge-offs (x)15.2542%1,545
Efficiency ratio79.9667%2,848
Assets per employee ($millions)2.1737%7,637
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.8084%7,089
Loan loss allowance to noncurrent loans5,662.5000%71
Noncurrent assets plus other real estate owned to assets0.8561%5,379
Noncurrent loans to loans0.0143%7,493
Net loans and leases to total assets62.3698%5,182
Net loans and leases to deposits69.8116%5,941
Net loans and leases to core deposits76.7671%6,571
Total domestic deposits to total assets89.3402%1,043
Equity capital to assets8.7006%5,950
Core capital (leverage) ratio8.1779%6,057
Tier 1 risk-based capital ratio12.2810%4,725
Total risk-based capital ratio13.0325%5,113
Memoranda:
Average total assets$90,841,5005,396
Average earning assets$82,164,2505,415
Average equity$7,510,0006,141
Average total loans$54,682,0005,532
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4344%4,974
Cost of funding earning assets1.2273%7,029
Net interest margin4.2071%1,973
Noninterest income to average assets1.4024%770
Noninterest expense to average assets4.2422%1,020
Loan and lease loss provision to assets0.1356%5,719
Net operating income to assets0.4470%4,303
Return on assets (ROA)0.4638%4,352
Pretax return on assets0.8532%3,495
Return on Equity (ROE)5.7076%3,782
Retained earnings to average equity (ytd only)5.7076%2,158
Net charge-offs to loans0.0553%5,718
Credit loss provision to net charge-offs413.3333%1,120
Earnings coverage of net charge-offs (x)29.3333%1,012
Efficiency ratio81.3367%2,835
Assets per employee ($millions)2.2613%7,606
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.8189%7,091
Loan loss allowance to noncurrent loans1,109.7561%318
Noncurrent assets plus other real estate owned to assets1.2663%4,408
Noncurrent loans to loans0.0738%7,338
Net loans and leases to total assets59.4398%5,774
Net loans and leases to deposits66.0249%6,391
Net loans and leases to core deposits74.2789%6,773
Total domestic deposits to total assets90.0263%821
Equity capital to assets8.0948%6,639
Core capital (leverage) ratio7.6506%6,824
Tier 1 risk-based capital ratio11.5530%5,332
Total risk-based capital ratio12.2853%5,761
Memoranda:
Average total assets$91,415,3305,425
Average earning assets$82,622,3305,449
Average equity$7,428,6706,207
Average total loans$54,230,3305,591
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5487%4,645
Cost of funding earning assets1.2793%7,084
Net interest margin4.2694%1,676
Noninterest income to average assets1.4675%652
Noninterest expense to average assets4.1293%1,030
Loan and lease loss provision to assets0.1322%5,269
Net operating income to assets0.4818%4,506
Return on assets (ROA)0.5156%4,544
Pretax return on assets1.0973%2,995
Return on Equity (ROE)6.3325%3,887
Retained earnings to average equity (ytd only)6.3325%2,479
Net charge-offs to loans0.0149%5,379
Credit loss provision to net charge-offs1,500.0000%404
Earnings coverage of net charge-offs (x)133.5000%324
Efficiency ratio77.6578%3,227
Assets per employee ($millions)2.3136%7,569
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7892%7,194
Loan loss allowance to noncurrent loans4,844.4444%109
Noncurrent assets plus other real estate owned to assets0.7875%5,207
Noncurrent loans to loans0.0163%7,519
Net loans and leases to total assets57.7773%5,977
Net loans and leases to deposits63.8895%6,570
Net loans and leases to core deposits73.7109%6,817
Total domestic deposits to total assets90.4332%623
Equity capital to assets7.8401%7,020
Core capital (leverage) ratio7.5622%7,075
Tier 1 risk-based capital ratio11.5973%5,310
Total risk-based capital ratio12.3113%5,756
Memoranda:
Average total assets$90,766,0005,460
Average earning assets$81,604,0005,500
Average equity$7,390,5006,260
Average total loans$53,563,5005,654
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9838%5,624
Cost of funding earning assets1.7161%7,223
Net interest margin4.2676%2,075
Noninterest income to average assets1.3971%737
Noninterest expense to average assets4.2615%1,087
Loan and lease loss provision to assets0.5062%2,785
Net operating income to assets0.3008%5,537
Return on assets (ROA)0.3049%5,344
Pretax return on assets0.4443%5,140
Return on Equity (ROE)3.5786%5,003
Retained earnings to average equity (ytd only)0.7968%4,743
Net charge-offs to loans1.2023%1,005
Credit loss provision to net charge-offs75.3546%5,987
Earnings coverage of net charge-offs (x)1.4060%5,420
Efficiency ratio81.6747%2,346
Assets per employee ($millions)2.2224%7,671
Cash dividends to net income (ytd only)*77.7344%1,814
Condition Ratios (%)
Loss allowance to loans0.7864%7,157
Loan loss allowance to noncurrent loans4,080.0000%152
Noncurrent assets plus other real estate owned to assets0.8942%4,617
Noncurrent loans to loans0.0193%7,444
Net loans and leases to total assets59.3910%5,999
Net loans and leases to deposits65.4961%6,678
Net loans and leases to core deposits69.9754%7,189
Total domestic deposits to total assets90.6788%432
Equity capital to assets8.4732%6,132
Core capital (leverage) ratio8.4105%5,739
Tier 1 risk-based capital ratio11.9559%4,856
Total risk-based capital ratio12.6565%5,231
Memoranda:
Average total assets$83,961,0005,565
Average earning assets$74,936,0005,627
Average equity$7,153,6006,404
Average total loans$46,911,6005,827