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Banner Capital Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3488%157
Cost of funding earning assets0.6765%358
Net interest margin4.6723%212
Noninterest income to average assets0.2763%3,738
Noninterest expense to average assets2.8091%1,339
Loan and lease loss provision to assets0.0888%1,394
Net operating income to assets1.7825%526
Return on assets (ROA)1.8160%513
Pretax return on assets1.8388%838
Return on Equity (ROE)18.3513%435
Retained earnings to average equity (ytd only)12.6822%441
Net charge-offs to loans0.0090%2,241
Credit loss provision to net charge-offs1,170.5882%478
Earnings coverage of net charge-offs (x)249.5882%462
Efficiency ratio59.4477%3,233
Assets per employee ($millions)5.0618%3,677
Cash dividends to net income (ytd only)*30.8921%2,506
Condition Ratios (%)
Loss allowance to loans1.2803%2,451
Loan loss allowance to noncurrent loans95.2015%3,450
Noncurrent assets plus other real estate owned to assets1.1436%444
Noncurrent loans to loans1.3448%696
Net loans and leases to total assets83.9547%111
Net loans and leases to deposits95.4890%334
Net loans and leases to core deposits112.8252%243
Total domestic deposits to total assets87.9208%2,089
Equity capital to assets10.1844%2,484
Core capital (leverage) ratio10.2437%2,131
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9670%2,899
Memoranda:
Average total assets$224,058,8002,878
Average earning assets$212,273,0002,856
Average equity$22,172,8003,047
Average total loans$189,889,0002,305
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5340%141
Cost of funding earning assets0.7284%336
Net interest margin4.8056%195
Noninterest income to average assets0.2904%3,716
Noninterest expense to average assets2.7481%1,463
Loan and lease loss provision to assets0.1188%998
Net operating income to assets1.9503%503
Return on assets (ROA)1.9952%497
Pretax return on assets2.0179%773
Return on Equity (ROE)20.3130%406
Retained earnings to average equity (ytd only)14.6857%440
Net charge-offs to loans0.0113%1,910
Credit loss provision to net charge-offs1,243.7500%463
Earnings coverage of net charge-offs (x)218.7500%525
Efficiency ratio56.4885%3,470
Assets per employee ($millions)4.7957%3,893
Cash dividends to net income (ytd only)*27.7029%2,187
Condition Ratios (%)
Loss allowance to loans1.3171%2,408
Loan loss allowance to noncurrent loans110.4139%3,297
Noncurrent assets plus other real estate owned to assets1.0186%641
Noncurrent loans to loans1.1929%935
Net loans and leases to total assets84.2644%110
Net loans and leases to deposits97.1720%306
Net loans and leases to core deposits115.9726%228
Total domestic deposits to total assets86.7168%2,457
Equity capital to assets10.3748%2,550
Core capital (leverage) ratio10.0699%2,429
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3254%2,898
Memoranda:
Average total assets$223,128,5002,919
Average earning assets$211,222,2502,893
Average equity$21,916,5003,100
Average total loans$188,933,2502,348
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4741%759
Cost of funding earning assets0.7832%311
Net interest margin3.6908%1,375
Noninterest income to average assets1.6154%476
Noninterest expense to average assets2.7745%1,410
Loan and lease loss provision to assets0.1500%792
Net operating income to assets2.1780%354
Return on assets (ROA)2.1780%374
Pretax return on assets2.2003%573
Return on Equity (ROE)22.5907%285
Retained earnings to average equity (ytd only)17.4038%253
Net charge-offs to loans0.0455%1,179
Credit loss provision to net charge-offs390.6977%768
Earnings coverage of net charge-offs (x)61.2093%961
Efficiency ratio53.8596%3,822
Assets per employee ($millions)5.3065%3,342
Cash dividends to net income (ytd only)*22.9602%2,384
Condition Ratios (%)
Loss allowance to loans1.2636%2,615
Loan loss allowance to noncurrent loans104.9827%3,300
Noncurrent assets plus other real estate owned to assets1.0115%739
Noncurrent loans to loans1.2036%998
Net loans and leases to total assets82.9775%172
Net loans and leases to deposits94.0740%460
Net loans and leases to core deposits114.8659%278
Total domestic deposits to total assets88.2045%1,719
Equity capital to assets9.7918%3,067
Core capital (leverage) ratio9.3747%3,042
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8432%2,986
Memoranda:
Average total assets$223,970,6672,909
Average earning assets$212,961,3332,881
Average equity$21,593,0003,122
Average total loans$189,121,0002,359
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4415%857
Cost of funding earning assets0.7951%362
Net interest margin3.6464%1,456
Noninterest income to average assets2.0481%359
Noninterest expense to average assets2.6809%1,668
Loan and lease loss provision to assets0.1677%744
Net operating income to assets2.6322%212
Return on assets (ROA)2.6322%237
Pretax return on assets2.6557%349
Return on Equity (ROE)27.5238%190
Retained earnings to average equity (ytd only)26.1099%116
Net charge-offs to loans0.1086%642
Credit loss provision to net charge-offs182.3529%917
Earnings coverage of net charge-offs (x)30.7059%1,087
Efficiency ratio48.4442%4,313
Assets per employee ($millions)5.2691%3,368
Cash dividends to net income (ytd only)*5.1370%2,339
Condition Ratios (%)
Loss allowance to loans1.2434%2,700
Loan loss allowance to noncurrent loans117.2932%3,141
Noncurrent assets plus other real estate owned to assets0.8605%1,027
Noncurrent loans to loans1.0601%1,268
Net loans and leases to total assets80.1627%328
Net loans and leases to deposits90.4199%682
Net loans and leases to core deposits110.2627%398
Total domestic deposits to total assets88.6560%1,534
Equity capital to assets9.4052%3,288
Core capital (leverage) ratio9.8083%2,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9194%2,943
Memoranda:
Average total assets$221,866,0002,913
Average earning assets$210,290,0002,890
Average equity$21,218,0003,139
Average total loans$187,801,0002,370
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1154%398
Cost of funding earning assets1.1928%287
Net interest margin3.9226%1,155
Noninterest income to average assets0.3848%3,178
Noninterest expense to average assets2.8833%1,730
Loan and lease loss provision to assets0.2893%1,310
Net operating income to assets0.8851%2,763
Return on assets (ROA)0.9575%2,594
Pretax return on assets0.9848%3,089
Return on Equity (ROE)9.6158%2,155
Retained earnings to average equity (ytd only)6.0760%1,761
Net charge-offs to loans0.0830%1,639
Credit loss provision to net charge-offs399.3151%1,437
Earnings coverage of net charge-offs (x)16.5274%2,124
Efficiency ratio70.0718%1,937
Assets per employee ($millions)4.8157%3,592
Cash dividends to net income (ytd only)*36.8120%2,510
Condition Ratios (%)
Loss allowance to loans1.2262%2,812
Loan loss allowance to noncurrent loans116.5906%3,128
Noncurrent assets plus other real estate owned to assets0.9302%1,046
Noncurrent loans to loans1.0517%1,353
Net loans and leases to total assets87.3628%61
Net loans and leases to deposits99.0280%413
Net loans and leases to core deposits113.0419%432
Total domestic deposits to total assets88.2204%1,367
Equity capital to assets9.7366%3,377
Core capital (leverage) ratio9.5250%3,088
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.1671%3,067
Memoranda:
Average total assets$201,156,4002,933
Average earning assets$189,643,0002,914
Average equity$20,029,6003,185
Average total loans$175,999,0002,436
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0358%573
Cost of funding earning assets1.2664%287
Net interest margin3.7694%1,712
Noninterest income to average assets0.4649%2,763
Noninterest expense to average assets2.7657%2,070
Loan and lease loss provision to assets0.3068%1,308
Net operating income to assets0.9170%2,635
Return on assets (ROA)0.9170%2,764
Pretax return on assets0.9452%3,246
Return on Equity (ROE)9.1550%2,335
Retained earnings to average equity (ytd only)4.8022%2,650
Net charge-offs to loans0.0123%2,669
Credit loss provision to net charge-offs2,856.2500%361
Earnings coverage of net charge-offs (x)116.5000%709
Efficiency ratio68.2160%2,157
Assets per employee ($millions)4.7947%3,491
Cash dividends to net income (ytd only)*47.5458%1,592
Condition Ratios (%)
Loss allowance to loans1.2221%2,548
Loan loss allowance to noncurrent loans86.7370%3,454
Noncurrent assets plus other real estate owned to assets1.2883%739
Noncurrent loans to loans1.4090%1,028
Net loans and leases to total assets88.1916%74
Net loans and leases to deposits108.3371%262
Net loans and leases to core deposits118.1908%452
Total domestic deposits to total assets81.4048%3,564
Equity capital to assets9.6346%3,567
Core capital (leverage) ratio9.4286%3,329
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.1097%3,081
Memoranda:
Average total assets$198,472,7502,938
Average earning assets$187,083,0002,916
Average equity$19,879,2503,193
Average total loans$173,145,7502,459
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1250%659
Cost of funding earning assets1.3548%281
Net interest margin3.7702%1,918
Noninterest income to average assets0.6042%2,113
Noninterest expense to average assets2.8759%1,894
Loan and lease loss provision to assets0.3530%1,195
Net operating income to assets0.8945%2,707
Return on assets (ROA)0.8945%2,828
Pretax return on assets0.9243%3,247
Return on Equity (ROE)8.8088%2,443
Retained earnings to average equity (ytd only)4.9467%2,503
Net charge-offs to loans0.0143%2,465
Credit loss provision to net charge-offs2,858.3333%374
Earnings coverage of net charge-offs (x)103.4167%688
Efficiency ratio68.6493%2,149
Assets per employee ($millions)4.9006%3,299
Cash dividends to net income (ytd only)*43.8435%1,791
Condition Ratios (%)
Loss allowance to loans1.2257%2,380
Loan loss allowance to noncurrent loans74.7613%3,629
Noncurrent assets plus other real estate owned to assets1.4951%623
Noncurrent loans to loans1.6395%896
Net loans and leases to total assets87.9134%63
Net loans and leases to deposits105.5904%325
Net loans and leases to core deposits115.9040%536
Total domestic deposits to total assets83.2589%3,010
Equity capital to assets10.0022%3,206
Core capital (leverage) ratio9.6449%3,191
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2905%3,124
Memoranda:
Average total assets$194,307,6672,952
Average earning assets$182,907,0002,929
Average equity$19,730,3333,202
Average total loans$168,075,0002,486
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2915%559
Cost of funding earning assets1.4304%345
Net interest margin3.8611%1,795
Noninterest income to average assets0.1969%4,369
Noninterest expense to average assets2.8503%2,277
Loan and lease loss provision to assets0.1592%1,816
Net operating income to assets0.7812%2,971
Return on assets (ROA)0.7812%3,053
Pretax return on assets0.8168%3,370
Return on Equity (ROE)7.6329%2,664
Retained earnings to average equity (ytd only)3.7448%2,784
Net charge-offs to loans0.0787%1,237
Credit loss provision to net charge-offs237.5000%1,320
Earnings coverage of net charge-offs (x)14.5625%1,593
Efficiency ratio73.8369%1,841
Assets per employee ($millions)4.4859%3,276
Cash dividends to net income (ytd only)*50.9383%1,597
Condition Ratios (%)
Loss allowance to loans1.1501%2,932
Loan loss allowance to noncurrent loans75.4455%3,646
Noncurrent assets plus other real estate owned to assets1.3764%825
Noncurrent loans to loans1.5244%1,047
Net loans and leases to total assets84.8828%209
Net loans and leases to deposits102.5241%430
Net loans and leases to core deposits113.8806%668
Total domestic deposits to total assets82.7931%3,175
Equity capital to assets10.2155%3,590
Core capital (leverage) ratio9.7473%3,712
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2663%3,282
Memoranda:
Average total assets$190,999,0002,944
Average earning assets$179,533,5002,923
Average equity$19,547,0003,211
Average total loans$162,696,5002,520
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5209%543
Cost of funding earning assets1.4169%526
Net interest margin4.1039%1,531
Noninterest income to average assets0.2750%4,036
Noninterest expense to average assets3.1401%1,667
Loan and lease loss provision to assets0.1218%1,738
Net operating income to assets0.8218%3,478
Return on assets (ROA)0.8158%3,600
Pretax return on assets0.8402%3,900
Return on Equity (ROE)7.4410%3,393
Retained earnings to average equity (ytd only)0.4777%4,551
Net charge-offs to loans0.0443%2,500
Credit loss provision to net charge-offs324.2424%858
Earnings coverage of net charge-offs (x)25.7727%1,719
Efficiency ratio75.5023%1,422
Assets per employee ($millions)4.3978%3,374
Cash dividends to net income (ytd only)*93.5799%441
Condition Ratios (%)
Loss allowance to loans1.1649%2,617
Loan loss allowance to noncurrent loans74.2026%3,686
Noncurrent assets plus other real estate owned to assets1.4267%731
Noncurrent loans to loans1.5699%899
Net loans and leases to total assets83.4954%370
Net loans and leases to deposits99.1379%656
Net loans and leases to core deposits109.7858%866
Total domestic deposits to total assets84.2215%2,780
Equity capital to assets10.2530%3,673
Core capital (leverage) ratio9.8789%3,643
Tier 1 risk-based capital ratio10.6139%4,984
Total risk-based capital ratio11.6754%4,975
Memoranda:
Average total assets$175,664,4003,058
Average earning assets$164,086,8003,048
Average equity$19,258,2003,200
Average total loans$149,110,4002,631
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4915%591
Cost of funding earning assets1.3716%639
Net interest margin4.1199%1,574
Noninterest income to average assets0.2747%4,104
Noninterest expense to average assets3.1478%1,586
Loan and lease loss provision to assets0.1199%1,634
Net operating income to assets0.8272%3,587
Return on assets (ROA)0.8272%3,670
Pretax return on assets0.8512%4,005
Return on Equity (ROE)7.4136%3,545
Retained earnings to average equity (ytd only)0.3675%4,694
Net charge-offs to loans-0.0046%4,183
Credit loss provision to net charge-offs-3,100.0000%4,592
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4086%1,399
Assets per employee ($millions)4.3978%3,342
Cash dividends to net income (ytd only)*95.0417%380
Condition Ratios (%)
Loss allowance to loans1.1968%2,528
Loan loss allowance to noncurrent loans71.9831%3,784
Noncurrent assets plus other real estate owned to assets2.1554%380
Noncurrent loans to loans1.6626%882
Net loans and leases to total assets81.7669%594
Net loans and leases to deposits97.7736%844
Net loans and leases to core deposits107.4956%1,083
Total domestic deposits to total assets83.6288%2,959
Equity capital to assets10.2207%3,802
Core capital (leverage) ratio10.3247%3,285
Tier 1 risk-based capital ratio10.7021%5,018
Total risk-based capital ratio11.7823%4,996
Memoranda:
Average total assets$172,304,2503,119
Average earning assets$160,777,2503,107
Average equity$19,225,5003,222
Average total loans$146,449,2502,680
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4756%591
Cost of funding earning assets1.2961%749
Net interest margin4.1795%1,408
Noninterest income to average assets0.2975%3,949
Noninterest expense to average assets3.1925%1,528
Loan and lease loss provision to assets0.1152%1,626
Net operating income to assets0.8734%3,391
Return on assets (ROA)0.8734%3,456
Pretax return on assets0.8974%3,853
Return on Equity (ROE)7.5868%3,460
Retained earnings to average equity (ytd only)0.4377%4,581
Net charge-offs to loans-0.0084%4,268
Credit loss provision to net charge-offs-1,600.0000%4,350
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8930%1,527
Assets per employee ($millions)4.0975%3,733
Cash dividends to net income (ytd only)*94.2308%527
Condition Ratios (%)
Loss allowance to loans1.2183%2,426
Loan loss allowance to noncurrent loans36.6223%4,441
Noncurrent assets plus other real estate owned to assets3.0431%194
Noncurrent loans to loans3.3268%276
Net loans and leases to total assets85.5093%253
Net loans and leases to deposits106.0552%339
Net loans and leases to core deposits115.2597%718
Total domestic deposits to total assets80.6272%3,911
Equity capital to assets11.2169%2,840
Core capital (leverage) ratio10.9519%2,640
Tier 1 risk-based capital ratio11.2636%4,802
Total risk-based capital ratio12.3671%4,767
Memoranda:
Average total assets$166,703,3303,186
Average earning assets$155,854,6703,172
Average equity$19,191,3303,233
Average total loans$143,099,0002,729
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3576%687
Cost of funding earning assets1.2265%833
Net interest margin4.1311%1,478
Noninterest income to average assets0.2805%4,007
Noninterest expense to average assets2.9560%2,118
Loan and lease loss provision to assets0.1122%1,583
Net operating income to assets1.0536%2,647
Return on assets (ROA)1.0536%2,689
Pretax return on assets1.0731%3,227
Return on Equity (ROE)9.0306%2,797
Retained earnings to average equity (ytd only)2.0486%4,050
Net charge-offs to loans-0.0057%4,062
Credit loss provision to net charge-offs-2,300.0000%4,096
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3180%2,289
Assets per employee ($millions)3.8383%4,137
Cash dividends to net income (ytd only)*77.3148%976
Condition Ratios (%)
Loss allowance to loans1.2617%2,265
Loan loss allowance to noncurrent loans65.9551%3,957
Noncurrent assets plus other real estate owned to assets1.8262%571
Noncurrent loans to loans1.9130%793
Net loans and leases to total assets83.4973%422
Net loans and leases to deposits100.2444%614
Net loans and leases to core deposits107.1835%1,090
Total domestic deposits to total assets83.2937%3,285
Equity capital to assets11.6574%2,264
Core capital (leverage) ratio11.3987%2,215
Tier 1 risk-based capital ratio11.9986%4,460
Total risk-based capital ratio13.1368%4,430
Memoranda:
Average total assets$164,006,5003,253
Average earning assets$153,277,0003,232
Average equity$19,135,0003,250
Average total loans$140,161,5002,797
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2848%598
Cost of funding earning assets1.0379%648
Net interest margin4.2469%1,286
Noninterest income to average assets0.2661%4,334
Noninterest expense to average assets3.1489%1,680
Loan and lease loss provision to assets0.2746%612
Net operating income to assets0.7848%3,856
Return on assets (ROA)0.7848%3,858
Pretax return on assets0.8128%4,137
Return on Equity (ROE)6.8197%3,889
Retained earnings to average equity (ytd only)1.3682%4,588
Net charge-offs to loans0.2602%741
Credit loss provision to net charge-offs124.6537%2,105
Earnings coverage of net charge-offs (x)4.9363%3,245
Efficiency ratio72.9329%1,777
Assets per employee ($millions)3.7899%4,195
Cash dividends to net income (ytd only)*79.9378%712
Condition Ratios (%)
Loss allowance to loans1.2170%2,487
Loan loss allowance to noncurrent loans101.0024%3,406
Noncurrent assets plus other real estate owned to assets1.0787%1,247
Noncurrent loans to loans1.2049%1,330
Net loans and leases to total assets85.3179%286
Net loans and leases to deposits102.1272%582
Net loans and leases to core deposits108.4877%1,088
Total domestic deposits to total assets83.5408%3,145
Equity capital to assets11.6772%2,114
Core capital (leverage) ratio11.5042%2,099
Tier 1 risk-based capital ratio12.1417%4,330
Total risk-based capital ratio13.2691%4,307
Memoranda:
Average total assets$163,868,8003,227
Average earning assets$153,193,8003,205
Average equity$18,857,0003,194
Average total loans$138,754,6002,782
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2256%598
Cost of funding earning assets0.9880%626
Net interest margin4.2376%1,268
Noninterest income to average assets0.2779%4,292
Noninterest expense to average assets3.2379%1,442
Loan and lease loss provision to assets0.3656%361
Net operating income to assets0.6118%4,471
Return on assets (ROA)0.6118%4,478
Pretax return on assets0.6403%4,658
Return on Equity (ROE)5.3364%4,469
Retained earnings to average equity (ytd only)0.5669%4,940
Net charge-offs to loans0.3491%467
Credit loss provision to net charge-offs124.3094%1,944
Earnings coverage of net charge-offs (x)3.4199%3,162
Efficiency ratio74.8038%1,479
Assets per employee ($millions)3.7755%4,209
Cash dividends to net income (ytd only)*89.3762%392
Condition Ratios (%)
Loss allowance to loans1.2481%2,375
Loan loss allowance to noncurrent loans102.5150%3,410
Noncurrent assets plus other real estate owned to assets1.0668%1,352
Noncurrent loans to loans1.2175%1,383
Net loans and leases to total assets83.4362%523
Net loans and leases to deposits99.8158%803
Net loans and leases to core deposits105.8043%1,326
Total domestic deposits to total assets83.5902%3,088
Equity capital to assets11.5351%2,240
Core capital (leverage) ratio11.2328%2,389
Tier 1 risk-based capital ratio12.1169%4,435
Total risk-based capital ratio13.2535%4,385
Memoranda:
Average total assets$164,094,2503,258
Average earning assets$153,573,0003,230
Average equity$18,813,7503,222
Average total loans$138,255,0002,813
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1333%621
Cost of funding earning assets0.9365%620
Net interest margin4.1967%1,297
Noninterest income to average assets0.3121%4,086
Noninterest expense to average assets3.3217%1,268
Loan and lease loss provision to assets0.2247%725
Net operating income to assets0.6619%4,315
Return on assets (ROA)0.6619%4,317
Pretax return on assets0.6898%4,540
Return on Equity (ROE)5.7847%4,314
Retained earnings to average equity (ytd only)2.3564%4,336
Net charge-offs to loans0.5209%285
Credit loss provision to net charge-offs51.2465%2,487
Earnings coverage of net charge-offs (x)2.0859%2,999
Efficiency ratio76.9209%1,325
Assets per employee ($millions)4.0698%3,782
Cash dividends to net income (ytd only)*59.2661%1,352
Condition Ratios (%)
Loss allowance to loans1.0305%3,643
Loan loss allowance to noncurrent loans79.6918%3,849
Noncurrent assets plus other real estate owned to assets1.1542%1,258
Noncurrent loans to loans1.2931%1,321
Net loans and leases to total assets85.4249%310
Net loans and leases to deposits103.7342%541
Net loans and leases to core deposits110.2003%987
Total domestic deposits to total assets82.3498%3,614
Equity capital to assets11.6241%2,108
Core capital (leverage) ratio11.3559%2,201
Tier 1 risk-based capital ratio12.3244%4,293
Total risk-based capital ratio13.2959%4,342
Memoranda:
Average total assets$164,676,3303,269
Average earning assets$153,976,3303,240
Average equity$18,842,6703,237
Average total loans$138,617,0002,810
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0150%677
Cost of funding earning assets0.9356%498
Net interest margin4.0794%1,492
Noninterest income to average assets0.2536%4,491
Noninterest expense to average assets2.8692%2,469
Loan and lease loss provision to assets0.3381%365
Net operating income to assets0.8187%3,633
Return on assets (ROA)0.8187%3,645
Pretax return on assets0.8477%4,023
Return on Equity (ROE)7.2118%3,697
Retained earnings to average equity (ytd only)0.9786%4,636
Net charge-offs to loans1.0489%133
Credit loss provision to net charge-offs38.7812%2,023
Earnings coverage of net charge-offs (x)1.3601%2,567
Efficiency ratio69.2079%2,630
Assets per employee ($millions)3.7782%4,315
Cash dividends to net income (ytd only)*86.4307%736
Condition Ratios (%)
Loss allowance to loans1.0373%3,745
Loan loss allowance to noncurrent loans146.7573%2,785
Noncurrent assets plus other real estate owned to assets0.6266%2,438
Noncurrent loans to loans0.7068%2,445
Net loans and leases to total assets82.3939%615
Net loans and leases to deposits97.0337%936
Net loans and leases to core deposits107.1215%1,172
Total domestic deposits to total assets84.9127%2,963
Equity capital to assets11.5529%2,089
Core capital (leverage) ratio10.9158%2,528
Tier 1 risk-based capital ratio12.5728%4,196
Total risk-based capital ratio13.5439%4,275
Memoranda:
Average total assets$165,619,0003,301
Average earning assets$154,336,5003,274
Average equity$18,802,5003,271
Average total loans$137,669,5002,845
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2104%438
Cost of funding earning assets0.9220%336
Net interest margin4.2885%985
Noninterest income to average assets0.1923%4,993
Noninterest expense to average assets2.7164%3,075
Loan and lease loss provision to assets0.2077%970
Net operating income to assets1.3086%1,206
Return on assets (ROA)1.3086%1,221
Pretax return on assets1.3440%2,198
Return on Equity (ROE)12.0297%1,206
Retained earnings to average equity (ytd only)7.6733%868
Net charge-offs to loans0.1787%1,395
Credit loss provision to net charge-offs132.3529%1,995
Earnings coverage of net charge-offs (x)9.8873%2,735
Efficiency ratio63.4102%3,694
Assets per employee ($millions)4.4402%3,289
Cash dividends to net income (ytd only)*36.2140%3,019
Condition Ratios (%)
Loss allowance to loans1.2514%2,461
Loan loss allowance to noncurrent loans372.6563%1,399
Noncurrent assets plus other real estate owned to assets0.3348%3,527
Noncurrent loans to loans0.3358%3,560
Net loans and leases to total assets84.7716%369
Net loans and leases to deposits103.5840%512
Net loans and leases to core deposits115.7252%728
Total domestic deposits to total assets81.8385%3,905
Equity capital to assets11.0551%2,576
Core capital (leverage) ratio11.0090%2,327
Tier 1 risk-based capital ratio12.0631%4,485
Total risk-based capital ratio13.2745%4,393
Memoranda:
Average total assets$129,987,8003,748
Average earning assets$123,540,2003,694
Average equity$14,140,0003,827
Average total loans$114,146,8003,126
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1918%421
Cost of funding earning assets0.8995%344
Net interest margin4.2923%942
Noninterest income to average assets0.1961%5,027
Noninterest expense to average assets2.7124%3,019
Loan and lease loss provision to assets0.2477%697
Net operating income to assets1.2829%1,399
Return on assets (ROA)1.2829%1,423
Pretax return on assets1.3190%2,398
Return on Equity (ROE)11.8433%1,383
Retained earnings to average equity (ytd only)7.6701%1,359
Net charge-offs to loans0.1788%1,180
Credit loss provision to net charge-offs156.8627%1,629
Earnings coverage of net charge-offs (x)9.9218%2,649
Efficiency ratio63.1452%3,687
Assets per employee ($millions)4.3055%3,460
Cash dividends to net income (ytd only)*35.2376%2,506
Condition Ratios (%)
Loss allowance to loans1.2580%2,593
Loan loss allowance to noncurrent loans418.4438%1,220
Noncurrent assets plus other real estate owned to assets0.2687%3,995
Noncurrent loans to loans0.3006%3,864
Net loans and leases to total assets88.2336%143
Net loans and leases to deposits110.4579%262
Net loans and leases to core deposits124.0082%465
Total domestic deposits to total assets79.8798%4,337
Equity capital to assets11.2307%2,640
Core capital (leverage) ratio10.7892%2,653
Tier 1 risk-based capital ratio11.6018%4,880
Total risk-based capital ratio12.8080%4,808
Memoranda:
Average total assets$129,183,5003,799
Average earning assets$122,883,5003,735
Average equity$13,993,5003,884
Average total loans$114,095,7503,162
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0918%480
Cost of funding earning assets0.8589%387
Net interest margin4.2328%1,007
Noninterest income to average assets0.1935%5,081
Noninterest expense to average assets2.6736%3,184
Loan and lease loss provision to assets0.3251%457
Net operating income to assets1.1797%1,668
Return on assets (ROA)1.1797%1,700
Pretax return on assets1.2153%2,722
Return on Equity (ROE)11.0254%1,632
Retained earnings to average equity (ytd only)4.6880%2,918
Net charge-offs to loans0.2640%775
Credit loss provision to net charge-offs140.0000%1,597
Earnings coverage of net charge-offs (x)6.6333%2,683
Efficiency ratio63.2256%3,799
Assets per employee ($millions)4.1633%3,689
Cash dividends to net income (ytd only)*57.4803%1,591
Condition Ratios (%)
Loss allowance to loans1.2467%2,709
Loan loss allowance to noncurrent loans452.3810%1,131
Noncurrent assets plus other real estate owned to assets0.2441%4,161
Noncurrent loans to loans0.2756%4,055
Net loans and leases to total assets87.4626%176
Net loans and leases to deposits106.9567%356
Net loans and leases to core deposits121.1781%506
Total domestic deposits to total assets81.7739%3,952
Equity capital to assets10.8808%2,942
Core capital (leverage) ratio10.7557%2,645
Tier 1 risk-based capital ratio11.3343%5,064
Total risk-based capital ratio12.5323%4,984
Memoranda:
Average total assets$129,190,0003,818
Average earning assets$122,708,0003,755
Average equity$13,822,6703,914
Average total loans$113,655,0003,171
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0805%459
Cost of funding earning assets0.8402%390
Net interest margin4.2403%906
Noninterest income to average assets0.1919%5,125
Noninterest expense to average assets2.5872%3,540
Loan and lease loss provision to assets0.4023%279
Net operating income to assets1.1791%1,562
Return on assets (ROA)1.1791%1,604
Pretax return on assets1.2162%2,526
Return on Equity (ROE)11.1139%1,526
Retained earnings to average equity (ytd only)3.0046%3,908
Net charge-offs to loans0.3459%530
Credit loss provision to net charge-offs132.6531%1,297
Earnings coverage of net charge-offs (x)5.3367%2,305
Efficiency ratio61.2215%4,281
Assets per employee ($millions)3.9309%4,127
Cash dividends to net income (ytd only)*72.9659%1,104
Condition Ratios (%)
Loss allowance to loans1.2652%2,716
Loan loss allowance to noncurrent loans1,214.7826%517
Noncurrent assets plus other real estate owned to assets0.0914%4,903
Noncurrent loans to loans0.1042%4,771
Net loans and leases to total assets86.6665%178
Net loans and leases to deposits106.5150%305
Net loans and leases to core deposits122.1632%408
Total domestic deposits to total assets81.3655%4,329
Equity capital to assets10.9502%2,687
Core capital (leverage) ratio10.4945%2,909
Tier 1 risk-based capital ratio11.6294%4,960
Total risk-based capital ratio12.8547%4,870
Memoranda:
Average total assets$129,254,0003,857
Average earning assets$122,349,0003,805
Average equity$13,712,5003,958
Average total loans$113,329,5003,196
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1590%444
Cost of funding earning assets0.8047%492
Net interest margin4.3544%843
Noninterest income to average assets0.1800%5,322
Noninterest expense to average assets2.7564%3,171
Loan and lease loss provision to assets0.1223%2,015
Net operating income to assets1.4082%998
Return on assets (ROA)1.4082%1,014
Pretax return on assets1.4445%1,768
Return on Equity (ROE)13.2768%927
Retained earnings to average equity (ytd only)5.3583%2,100
Net charge-offs to loans0.0409%3,213
Credit loss provision to net charge-offs344.4444%887
Earnings coverage of net charge-offs (x)44.1111%1,098
Efficiency ratio63.4106%4,039
Assets per employee ($millions)4.1475%3,711
Cash dividends to net income (ytd only)*59.6413%1,805
Condition Ratios (%)
Loss allowance to loans1.1742%3,279
Loan loss allowance to noncurrent loans498.1752%1,057
Noncurrent assets plus other real estate owned to assets0.2064%4,494
Noncurrent loans to loans0.2357%4,303
Net loans and leases to total assets86.5589%203
Net loans and leases to deposits114.0405%157
Net loans and leases to core deposits131.4488%268
Total domestic deposits to total assets75.9019%5,249
Equity capital to assets10.2856%3,403
Core capital (leverage) ratio10.0531%3,426
Tier 1 risk-based capital ratio10.7134%5,480
Total risk-based capital ratio11.8247%5,468
Memoranda:
Average total assets$126,688,4003,887
Average earning assets$120,545,6003,819
Average equity$13,437,0004,038
Average total loans$109,973,8003,216
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1314%468
Cost of funding earning assets0.7922%524
Net interest margin4.3392%864
Noninterest income to average assets0.1779%5,389
Noninterest expense to average assets2.7607%3,143
Loan and lease loss provision to assets0.1118%2,062
Net operating income to assets1.4102%1,055
Return on assets (ROA)1.4102%1,101
Pretax return on assets1.4475%1,886
Return on Equity (ROE)13.1900%1,000
Retained earnings to average equity (ytd only)4.6723%3,043
Net charge-offs to loans-0.0037%4,561
Credit loss provision to net charge-offs-3,500.0000%5,378
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5602%3,991
Assets per employee ($millions)4.0871%3,813
Cash dividends to net income (ytd only)*64.5769%1,241
Condition Ratios (%)
Loss allowance to loans1.1776%3,385
Loan loss allowance to noncurrent loans327.6442%1,512
Noncurrent assets plus other real estate owned to assets0.3181%4,137
Noncurrent loans to loans0.3594%3,970
Net loans and leases to total assets87.4576%169
Net loans and leases to deposits113.4503%193
Net loans and leases to core deposits132.9907%264
Total domestic deposits to total assets77.0889%5,071
Equity capital to assets10.3954%3,685
Core capital (leverage) ratio9.7602%3,861
Tier 1 risk-based capital ratio10.0476%5,778
Total risk-based capital ratio11.1088%5,796
Memoranda:
Average total assets$125,180,5003,927
Average earning assets$119,496,7503,858
Average equity$13,383,5004,072
Average total loans$108,405,7503,244
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0504%532
Cost of funding earning assets0.7650%587
Net interest margin4.2855%952
Noninterest income to average assets0.1833%5,400
Noninterest expense to average assets2.8465%2,855
Loan and lease loss provision to assets0.0811%2,517
Net operating income to assets1.3073%1,253
Return on assets (ROA)1.3073%1,353
Pretax return on assets1.3446%2,226
Return on Equity (ROE)12.1088%1,277
Retained earnings to average equity (ytd only)7.3764%1,442
Net charge-offs to loans-0.0057%4,559
Credit loss provision to net charge-offs-1,666.6667%5,189
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2491%3,645
Assets per employee ($millions)4.3745%3,264
Cash dividends to net income (ytd only)*39.0819%2,465
Condition Ratios (%)
Loss allowance to loans1.1434%3,695
Loan loss allowance to noncurrent loans357.1038%1,409
Noncurrent assets plus other real estate owned to assets0.2789%4,376
Noncurrent loans to loans0.3202%4,223
Net loans and leases to total assets86.1058%243
Net loans and leases to deposits111.2620%224
Net loans and leases to core deposits131.2043%289
Total domestic deposits to total assets77.3902%5,099
Equity capital to assets10.3959%3,747
Core capital (leverage) ratio10.1603%3,375
Tier 1 risk-based capital ratio10.6720%5,595
Total risk-based capital ratio11.7513%5,583
Memoranda:
Average total assets$123,311,3303,990
Average earning assets$117,653,3303,922
Average equity$13,312,6704,105
Average total loans$105,958,6703,308
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9885%593
Cost of funding earning assets0.7493%638
Net interest margin4.2392%1,017
Noninterest income to average assets0.1676%5,487
Noninterest expense to average assets2.8019%3,060
Loan and lease loss provision to assets0.0670%2,622
Net operating income to assets1.2970%1,266
Return on assets (ROA)1.2970%1,346
Pretax return on assets1.3372%2,149
Return on Equity (ROE)11.7741%1,379
Retained earnings to average equity (ytd only)5.2938%2,766
Net charge-offs to loans-0.0039%4,230
Credit loss provision to net charge-offs-2,000.0000%4,881
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2151%3,763
Assets per employee ($millions)3.9422%4,056
Cash dividends to net income (ytd only)*55.0388%1,589
Condition Ratios (%)
Loss allowance to loans1.2164%3,387
Loan loss allowance to noncurrent loans477.9026%1,063
Noncurrent assets plus other real estate owned to assets0.2185%4,687
Noncurrent loans to loans0.2545%4,521
Net loans and leases to total assets84.7964%308
Net loans and leases to deposits109.3088%240
Net loans and leases to core deposits130.6175%261
Total domestic deposits to total assets77.5751%5,209
Equity capital to assets10.8602%3,103
Core capital (leverage) ratio10.7908%2,633
Tier 1 risk-based capital ratio11.7212%5,100
Total risk-based capital ratio12.9078%5,046
Memoranda:
Average total assets$119,349,5004,084
Average earning assets$113,701,5004,014
Average equity$13,147,5004,143
Average total loans$101,784,0003,390
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9275%723
Cost of funding earning assets0.7543%625
Net interest margin4.1731%1,227
Noninterest income to average assets0.1558%5,641
Noninterest expense to average assets2.8905%2,888
Loan and lease loss provision to assets0.0088%4,224
Net operating income to assets1.2053%1,526
Return on assets (ROA)1.2053%1,598
Pretax return on assets1.2458%2,484
Return on Equity (ROE)10.5036%1,803
Retained earnings to average equity (ytd only)-2.6854%5,795
Net charge-offs to loans0.0151%3,989
Credit loss provision to net charge-offs71.4286%3,096
Earnings coverage of net charge-offs (x)101.7857%566
Efficiency ratio69.0952%3,382
Assets per employee ($millions)3.8830%4,151
Cash dividends to net income (ytd only)*125.5661%227
Condition Ratios (%)
Loss allowance to loans1.2710%3,063
Loan loss allowance to noncurrent loans1,817.3913%360
Noncurrent assets plus other real estate owned to assets0.0592%5,423
Noncurrent loans to loans0.0699%5,234
Net loans and leases to total assets83.6202%425
Net loans and leases to deposits101.2873%588
Net loans and leases to core deposits120.3112%470
Total domestic deposits to total assets82.5575%3,995
Equity capital to assets11.1794%2,650
Core capital (leverage) ratio10.9200%2,476
Tier 1 risk-based capital ratio12.3108%4,759
Total risk-based capital ratio13.5521%4,655
Memoranda:
Average total assets$113,580,4004,187
Average earning assets$108,575,4004,088
Average equity$13,033,6004,138
Average total loans$92,936,6003,521
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8930%777
Cost of funding earning assets0.7476%656
Net interest margin4.1453%1,290
Noninterest income to average assets0.1642%5,661
Noninterest expense to average assets2.8957%2,863
Loan and lease loss provision to assets0.0118%4,037
Net operating income to assets1.1850%1,698
Return on assets (ROA)1.1850%1,764
Pretax return on assets1.2264%2,706
Return on Equity (ROE)10.2583%1,993
Retained earnings to average equity (ytd only)-6.2388%6,062
Net charge-offs to loans0.0233%3,473
Credit loss provision to net charge-offs62.5000%2,880
Earnings coverage of net charge-offs (x)65.5087%855
Efficiency ratio69.3913%3,315
Assets per employee ($millions)3.7693%4,325
Cash dividends to net income (ytd only)*160.8173%109
Condition Ratios (%)
Loss allowance to loans1.3221%2,985
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets82.5725%516
Net loans and leases to deposits99.9336%669
Net loans and leases to core deposits119.0891%500
Total domestic deposits to total assets82.6273%3,947
Equity capital to assets11.3150%2,688
Core capital (leverage) ratio10.5815%2,947
Tier 1 risk-based capital ratio12.5018%4,760
Total risk-based capital ratio13.7526%4,657
Memoranda:
Average total assets$112,852,7504,251
Average earning assets$108,070,7504,142
Average equity$13,036,2504,175
Average total loans$91,504,7503,591
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7752%933
Cost of funding earning assets0.7398%685
Net interest margin4.0354%1,535
Noninterest income to average assets0.1507%5,806
Noninterest expense to average assets2.8233%3,152
Loan and lease loss provision to assets0.0177%3,773
Net operating income to assets1.1385%1,812
Return on assets (ROA)1.1385%1,890
Pretax return on assets1.1793%2,861
Return on Equity (ROE)9.7891%2,164
Retained earnings to average equity (ytd only)-11.2681%6,197
Net charge-offs to loans0.0044%3,748
Credit loss provision to net charge-offs500.0000%619
Earnings coverage of net charge-offs (x)337.5000%206
Efficiency ratio69.5633%3,405
Assets per employee ($millions)3.6883%4,452
Cash dividends to net income (ytd only)*215.1090%96
Condition Ratios (%)
Loss allowance to loans1.3497%2,990
Loan loss allowance to noncurrent loans2,388.6792%257
Noncurrent assets plus other real estate owned to assets0.0464%5,674
Noncurrent loans to loans0.0565%5,511
Net loans and leases to total assets80.9334%680
Net loans and leases to deposits97.8616%809
Net loans and leases to core deposits113.8708%670
Total domestic deposits to total assets82.7019%4,059
Equity capital to assets10.9581%2,927
Core capital (leverage) ratio10.7612%2,667
Tier 1 risk-based capital ratio12.4208%4,865
Total risk-based capital ratio13.6720%4,777
Memoranda:
Average total assets$112,777,0004,280
Average earning assets$108,142,6704,182
Average equity$13,116,6704,185
Average total loans$90,465,0003,623
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7290%986
Cost of funding earning assets0.7367%709
Net interest margin3.9923%1,584
Noninterest income to average assets0.1429%5,894
Noninterest expense to average assets2.7858%3,296
Loan and lease loss provision to assets0.0357%3,186
Net operating income to assets1.1143%1,819
Return on assets (ROA)1.1143%1,926
Pretax return on assets1.1536%2,853
Return on Equity (ROE)9.3061%2,313
Retained earnings to average equity (ytd only)-0.2684%5,431
Net charge-offs to loans0.0090%3,030
Credit loss provision to net charge-offs500.0000%534
Earnings coverage of net charge-offs (x)166.5000%329
Efficiency ratio69.3621%3,604
Assets per employee ($millions)3.7297%4,463
Cash dividends to net income (ytd only)*102.8846%652
Condition Ratios (%)
Loss allowance to loans1.4544%2,653
Loan loss allowance to noncurrent loans302.8708%1,584
Noncurrent assets plus other real estate owned to assets0.3736%4,522
Noncurrent loans to loans0.4802%4,137
Net loans and leases to total assets76.6641%1,112
Net loans and leases to deposits87.3036%1,695
Net loans and leases to core deposits101.8390%1,190
Total domestic deposits to total assets87.8132%1,922
Equity capital to assets12.0259%2,007
Core capital (leverage) ratio11.5686%1,948
Tier 1 risk-based capital ratio14.2685%3,844
Total risk-based capital ratio15.5222%3,770
Memoranda:
Average total assets$111,997,5004,330
Average earning assets$107,506,0004,228
Average equity$13,410,5004,168
Average total loans$88,796,5003,674
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9013%923
Cost of funding earning assets0.7727%751
Net interest margin4.1286%1,493
Noninterest income to average assets0.1662%5,866
Noninterest expense to average assets2.4909%4,579
Loan and lease loss provision to assets0.0800%2,884
Net operating income to assets1.4988%882
Return on assets (ROA)1.4988%916
Pretax return on assets1.5379%1,417
Return on Equity (ROE)13.1482%1,101
Retained earnings to average equity (ytd only)5.5915%2,198
Net charge-offs to loans0.0248%4,339
Credit loss provision to net charge-offs409.0909%632
Earnings coverage of net charge-offs (x)82.7273%607
Efficiency ratio59.6062%5,275
Assets per employee ($millions)3.8656%4,229
Cash dividends to net income (ytd only)*57.4733%1,870
Condition Ratios (%)
Loss allowance to loans1.3905%2,993
Loan loss allowance to noncurrent loans999.2063%585
Noncurrent assets plus other real estate owned to assets0.1124%5,585
Noncurrent loans to loans0.1392%5,338
Net loans and leases to total assets79.6473%786
Net loans and leases to deposits90.6007%1,453
Net loans and leases to core deposits99.1835%1,450
Total domestic deposits to total assets87.9102%1,819
Equity capital to assets11.9221%2,069
Core capital (leverage) ratio11.2746%2,162
Tier 1 risk-based capital ratio13.4605%4,438
Total risk-based capital ratio14.7116%4,375
Memoranda:
Average total assets$112,488,6004,331
Average earning assets$107,421,0004,236
Average equity$12,823,0004,224
Average total loans$88,611,4003,661
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8792%970
Cost of funding earning assets0.7710%794
Net interest margin4.1082%1,553
Noninterest income to average assets0.1611%5,949
Noninterest expense to average assets2.4419%4,692
Loan and lease loss provision to assets0.0947%2,470
Net operating income to assets1.5040%935
Return on assets (ROA)1.5040%963
Pretax return on assets1.5431%1,503
Return on Equity (ROE)13.3461%1,130
Retained earnings to average equity (ytd only)6.1161%2,335
Net charge-offs to loans0.0318%3,851
Credit loss provision to net charge-offs380.9524%738
Earnings coverage of net charge-offs (x)65.8554%810
Efficiency ratio58.8389%5,329
Assets per employee ($millions)4.3009%3,296
Cash dividends to net income (ytd only)*54.1732%1,641
Condition Ratios (%)
Loss allowance to loans1.3676%3,313
Loan loss allowance to noncurrent loans975.7813%567
Noncurrent assets plus other real estate owned to assets0.1102%5,721
Noncurrent loans to loans0.1402%5,504
Net loans and leases to total assets77.5703%1,011
Net loans and leases to deposits88.9491%1,560
Net loans and leases to core deposits97.6381%1,544
Total domestic deposits to total assets87.2075%2,192
Equity capital to assets11.2811%2,677
Core capital (leverage) ratio11.1814%2,323
Tier 1 risk-based capital ratio13.0097%4,859
Total risk-based capital ratio14.2599%4,786
Memoranda:
Average total assets$112,585,0004,368
Average earning assets$107,391,5004,281
Average equity$12,687,5004,278
Average total loans$88,127,7503,701
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8802%941
Cost of funding earning assets0.7720%821
Net interest margin4.1082%1,483
Noninterest income to average assets0.1598%5,997
Noninterest expense to average assets2.3643%4,987
Loan and lease loss provision to assets0.0898%2,532
Net operating income to assets1.5906%717
Return on assets (ROA)1.5906%753
Pretax return on assets1.6319%1,175
Return on Equity (ROE)14.1195%933
Retained earnings to average equity (ytd only)9.1952%918
Net charge-offs to loans0.0069%4,146
Credit loss provision to net charge-offs1,666.6667%224
Earnings coverage of net charge-offs (x)319.6667%217
Efficiency ratio56.8102%5,675
Assets per employee ($millions)4.3880%3,105
Cash dividends to net income (ytd only)*34.8758%2,611
Condition Ratios (%)
Loss allowance to loans1.3663%3,507
Loan loss allowance to noncurrent loans647.6440%729
Noncurrent assets plus other real estate owned to assets0.1674%5,641
Noncurrent loans to loans0.2110%5,387
Net loans and leases to total assets78.2731%880
Net loans and leases to deposits92.7022%1,078
Net loans and leases to core deposits100.4093%1,248
Total domestic deposits to total assets84.4350%3,758
Equity capital to assets11.4183%2,499
Core capital (leverage) ratio11.3859%2,093
Tier 1 risk-based capital ratio13.3241%4,706
Total risk-based capital ratio14.5745%4,640
Memoranda:
Average total assets$111,405,6704,420
Average earning assets$106,470,3304,314
Average equity$12,550,0004,310
Average total loans$87,061,6703,743
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8629%923
Cost of funding earning assets0.7775%845
Net interest margin4.0855%1,505
Noninterest income to average assets0.1563%6,034
Noninterest expense to average assets2.4531%4,782
Loan and lease loss provision to assets0.0727%2,684
Net operating income to assets1.4864%842
Return on assets (ROA)1.4864%870
Pretax return on assets1.5264%1,348
Return on Equity (ROE)13.2884%1,087
Retained earnings to average equity (ytd only)10.3643%882
Net charge-offs to loans-0.0141%5,181
Credit loss provision to net charge-offs-666.6667%5,247
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4619%5,476
Assets per employee ($millions)4.1998%3,525
Cash dividends to net income (ytd only)*22.0049%2,485
Condition Ratios (%)
Loss allowance to loans1.4284%3,470
Loan loss allowance to noncurrent loans1,188.2353%451
Noncurrent assets plus other real estate owned to assets0.0934%5,965
Noncurrent loans to loans0.1202%5,757
Net loans and leases to total assets76.5949%935
Net loans and leases to deposits86.7100%1,504
Net loans and leases to core deposits94.6120%1,499
Total domestic deposits to total assets88.3345%2,034
Equity capital to assets11.5244%2,224
Core capital (leverage) ratio11.2950%2,141
Tier 1 risk-based capital ratio13.8124%4,460
Total risk-based capital ratio15.0639%4,409
Memoranda:
Average total assets$110,064,0004,486
Average earning assets$104,957,5004,385
Average equity$12,311,5004,368
Average total loans$85,323,5003,819
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8172%1,275
Cost of funding earning assets0.8396%998
Net interest margin3.9776%2,011
Noninterest income to average assets0.1601%6,127
Noninterest expense to average assets2.3709%5,159
Loan and lease loss provision to assets0.0276%4,571
Net operating income to assets1.5999%692
Return on assets (ROA)1.5999%710
Pretax return on assets1.5493%1,302
Return on Equity (ROE)14.5460%843
Retained earnings to average equity (ytd only)8.2893%959
Net charge-offs to loans0.0411%4,651
Credit loss provision to net charge-offs90.9091%2,727
Earnings coverage of net charge-offs (x)51.9394%774
Efficiency ratio58.3547%5,694
Assets per employee ($millions)5.2826%1,872
Cash dividends to net income (ytd only)*43.0132%2,651
Condition Ratios (%)
Loss allowance to loans1.3858%3,718
Loan loss allowance to noncurrent loans966.6667%518
Noncurrent assets plus other real estate owned to assets0.1505%5,866
Noncurrent loans to loans0.1434%5,767
Net loans and leases to total assets76.2697%1,033
Net loans and leases to deposits86.9068%1,586
Net loans and leases to core deposits95.2557%1,510
Total domestic deposits to total assets87.7603%2,328
Equity capital to assets10.8524%2,758
Core capital (leverage) ratio10.9317%2,449
Tier 1 risk-based capital ratio13.3071%4,781
Total risk-based capital ratio14.5584%4,723
Memoranda:
Average total assets$108,691,2004,529
Average earning assets$103,504,0004,421
Average equity$11,955,2004,450
Average total loans$80,379,6003,929
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7498%1,476
Cost of funding earning assets0.8537%1,027
Net interest margin3.8961%2,292
Noninterest income to average assets0.1591%6,233
Noninterest expense to average assets2.4007%5,023
Loan and lease loss provision to assets0.0370%4,273
Net operating income to assets1.3933%1,118
Return on assets (ROA)1.3933%1,167
Pretax return on assets1.4353%1,815
Return on Equity (ROE)12.6244%1,328
Retained earnings to average equity (ytd only)7.3623%1,703
Net charge-offs to loans0.0523%4,157
Credit loss provision to net charge-offs96.7742%2,471
Earnings coverage of net charge-offs (x)38.5183%1,033
Efficiency ratio60.2356%5,401
Assets per employee ($millions)5.2469%1,899
Cash dividends to net income (ytd only)*41.6811%2,223
Condition Ratios (%)
Loss allowance to loans1.4302%3,772
Loan loss allowance to noncurrent loans19,866.6667%44
Noncurrent assets plus other real estate owned to assets0.0463%6,328
Noncurrent loans to loans0.0072%6,360
Net loans and leases to total assets74.5580%1,202
Net loans and leases to deposits85.7284%1,645
Net loans and leases to core deposits94.6451%1,510
Total domestic deposits to total assets86.9700%2,707
Equity capital to assets10.7620%3,000
Core capital (leverage) ratio10.5781%2,918
Tier 1 risk-based capital ratio13.1668%5,004
Total risk-based capital ratio14.4184%4,952
Memoranda:
Average total assets$108,130,5004,587
Average earning assets$103,076,0004,473
Average equity$11,934,2504,506
Average total loans$79,025,0004,003
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6076%1,831
Cost of funding earning assets0.8626%1,075
Net interest margin3.7450%2,783
Noninterest income to average assets0.1582%6,261
Noninterest expense to average assets2.3975%5,061
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2900%1,352
Return on assets (ROA)1.2900%1,446
Pretax return on assets1.3328%2,178
Return on Equity (ROE)11.5889%1,604
Retained earnings to average equity (ytd only)7.0571%1,868
Net charge-offs to loans0.0670%3,748
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)27.5385%1,213
Efficiency ratio62.4251%5,107
Assets per employee ($millions)5.3130%1,775
Cash dividends to net income (ytd only)*39.1053%2,299
Condition Ratios (%)
Loss allowance to loans1.3917%4,074
Loan loss allowance to noncurrent loans1,406.0241%354
Noncurrent assets plus other real estate owned to assets0.2778%5,655
Noncurrent loans to loans0.0990%6,102
Net loans and leases to total assets74.1096%1,231
Net loans and leases to deposits88.0033%1,338
Net loans and leases to core deposits95.2988%1,419
Total domestic deposits to total assets84.2123%4,235
Equity capital to assets10.6028%3,171
Core capital (leverage) ratio10.5610%2,811
Tier 1 risk-based capital ratio12.7526%5,326
Total risk-based capital ratio14.0033%5,256
Memoranda:
Average total assets$107,446,0004,630
Average earning assets$102,483,6704,507
Average equity$11,959,6704,545
Average total loans$77,585,6704,055
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5924%1,846
Cost of funding earning assets0.8890%1,042
Net interest margin3.7034%2,838
Noninterest income to average assets0.1670%6,264
Noninterest expense to average assets2.4596%4,914
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1919%1,545
Return on assets (ROA)1.1919%1,657
Pretax return on assets1.2336%2,453
Return on Equity (ROE)10.4453%1,896
Retained earnings to average equity (ytd only)8.7821%1,456
Net charge-offs to loans0.1451%2,533
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)12.0370%1,630
Efficiency ratio64.7482%4,873
Assets per employee ($millions)5.3652%1,788
Cash dividends to net income (ytd only)*15.9236%2,373
Condition Ratios (%)
Loss allowance to loans1.6122%3,349
Loan loss allowance to noncurrent loans1,031.8584%461
Noncurrent assets plus other real estate owned to assets0.3169%5,628
Noncurrent loans to loans0.1562%6,003
Net loans and leases to total assets66.3135%2,313
Net loans and leases to deposits75.6185%2,697
Net loans and leases to core deposits81.8593%2,588
Total domestic deposits to total assets87.6948%2,520
Equity capital to assets11.3621%2,567
Core capital (leverage) ratio10.5764%2,678
Tier 1 risk-based capital ratio13.8707%4,597
Total risk-based capital ratio15.1235%4,557
Memoranda:
Average total assets$105,382,0004,735
Average earning assets$100,340,5004,615
Average equity$12,024,5004,571
Average total loans$74,451,5004,187
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1704%1,168
Cost of funding earning assets1.0194%1,256
Net interest margin4.1511%1,813
Noninterest income to average assets0.1963%6,013
Noninterest expense to average assets2.1130%6,098
Loan and lease loss provision to assets0.2317%2,819
Net operating income to assets0.7789%3,378
Return on assets (ROA)0.7789%3,629
Pretax return on assets1.8040%912
Return on Equity (ROE)7.2220%3,517
Retained earnings to average equity (ytd only)2.1657%4,707
Net charge-offs to loans0.0053%5,896
Credit loss provision to net charge-offs6,375.0000%36
Earnings coverage of net charge-offs (x)560.0000%72
Efficiency ratio48.4337%6,684
Assets per employee ($millions)4.3108%3,330
Cash dividends to net income (ytd only)*70.0117%1,373
Condition Ratios (%)
Loss allowance to loans1.5578%3,486
Loan loss allowance to noncurrent loans1,924.1935%277
Noncurrent assets plus other real estate owned to assets0.2890%5,818
Noncurrent loans to loans0.0810%6,281
Net loans and leases to total assets72.8658%1,359
Net loans and leases to deposits83.3282%1,837
Net loans and leases to core deposits90.7741%1,741
Total domestic deposits to total assets87.4444%2,556
Equity capital to assets11.4605%2,486
Core capital (leverage) ratio10.4651%2,811
Tier 1 risk-based capital ratio13.0678%5,058
Total risk-based capital ratio14.3195%5,004
Memoranda:
Average total assets$110,032,8004,591
Average earning assets$104,768,6004,473
Average equity$11,866,6004,594
Average total loans$76,080,6004,151
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2214%1,149
Cost of funding earning assets1.0415%1,328
Net interest margin4.1799%1,800
Noninterest income to average assets0.2018%6,088
Noninterest expense to average assets2.0404%6,289
Loan and lease loss provision to assets0.2865%2,279
Net operating income to assets1.2261%1,646
Return on assets (ROA)1.2261%1,821
Pretax return on assets1.8613%942
Return on Equity (ROE)11.5368%1,783
Retained earnings to average equity (ytd only)6.4817%2,386
Net charge-offs to loans0.0070%5,640
Credit loss provision to net charge-offs6,000.0000%44
Earnings coverage of net charge-offs (x)450.0206%100
Efficiency ratio46.2657%6,806
Assets per employee ($millions)4.7866%2,472
Cash dividends to net income (ytd only)*43.8173%1,988
Condition Ratios (%)
Loss allowance to loans1.5221%3,853
Loan loss allowance to noncurrent loans1,900.0000%264
Noncurrent assets plus other real estate owned to assets0.2839%5,990
Noncurrent loans to loans0.0801%6,413
Net loans and leases to total assets72.3774%1,487
Net loans and leases to deposits82.6514%2,035
Net loans and leases to core deposits89.3748%2,058
Total domestic deposits to total assets87.5694%2,308
Equity capital to assets11.5911%2,656
Core capital (leverage) ratio10.4939%2,920
Tier 1 risk-based capital ratio13.2383%5,067
Total risk-based capital ratio14.4899%5,029
Memoranda:
Average total assets$111,676,0004,601
Average earning assets$106,507,0004,477
Average equity$11,869,0004,638
Average total loans$75,955,7504,199
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3028%1,049
Cost of funding earning assets1.0653%1,381
Net interest margin4.2375%1,645
Noninterest income to average assets0.1617%6,374
Noninterest expense to average assets1.9244%6,555
Loan and lease loss provision to assets0.3691%1,779
Net operating income to assets1.2812%1,490
Return on assets (ROA)1.2812%1,650
Pretax return on assets1.9156%825
Return on Equity (ROE)12.4015%1,537
Retained earnings to average equity (ytd only)7.2980%1,956
Net charge-offs to loans-0.0185%6,413
Credit loss provision to net charge-offs-3,000.0000%6,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.3403%6,976
Assets per employee ($millions)5.6925%1,448
Cash dividends to net income (ytd only)*41.1523%2,129
Condition Ratios (%)
Loss allowance to loans1.4981%4,018
Loan loss allowance to noncurrent loans1,525.0000%302
Noncurrent assets plus other real estate owned to assets0.3292%5,936
Noncurrent loans to loans0.0982%6,418
Net loans and leases to total assets70.4578%1,834
Net loans and leases to deposits80.1213%2,363
Net loans and leases to core deposits86.6734%2,336
Total domestic deposits to total assets87.9388%2,185
Equity capital to assets11.0950%3,020
Core capital (leverage) ratio9.8003%3,715
Tier 1 risk-based capital ratio13.0500%5,151
Total risk-based capital ratio14.3011%5,128
Memoranda:
Average total assets$113,799,6704,570
Average earning assets$108,697,0004,445
Average equity$11,756,6704,663
Average total loans$75,476,0004,238
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2203%1,273
Cost of funding earning assets1.0971%1,419
Net interest margin4.1232%2,013
Noninterest income to average assets0.1715%6,353
Noninterest expense to average assets1.9208%6,608
Loan and lease loss provision to assets0.3601%1,750
Net operating income to assets1.2485%1,606
Return on assets (ROA)1.2485%1,778
Pretax return on assets1.8350%1,005
Return on Equity (ROE)12.5140%1,528
Retained earnings to average equity (ytd only)7.3571%2,251
Net charge-offs to loans-0.0054%5,801
Credit loss provision to net charge-offs-10,500.0000%6,243
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.8333%6,908
Assets per employee ($millions)6.1458%1,192
Cash dividends to net income (ytd only)*41.2088%1,720
Condition Ratios (%)
Loss allowance to loans1.4017%4,607
Loan loss allowance to noncurrent loans201.1516%1,649
Noncurrent assets plus other real estate owned to assets0.6860%5,186
Noncurrent loans to loans0.6969%5,273
Net loans and leases to total assets63.1301%3,012
Net loans and leases to deposits71.1485%3,563
Net loans and leases to core deposits77.9101%3,342
Total domestic deposits to total assets88.7300%1,865
Equity capital to assets10.0403%4,079
Core capital (leverage) ratio9.2458%4,451
Tier 1 risk-based capital ratio12.7048%5,438
Total risk-based capital ratio13.9410%5,415
Memoranda:
Average total assets$116,621,0004,526
Average earning assets$111,563,5004,398
Average equity$11,635,0004,694
Average total loans$74,532,0004,290
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7347%727
Cost of funding earning assets1.5022%716
Net interest margin4.2325%1,954
Noninterest income to average assets0.1892%6,148
Noninterest expense to average assets2.4677%5,573
Loan and lease loss provision to assets0.4164%2,506
Net operating income to assets0.8688%2,740
Return on assets (ROA)0.8688%2,881
Pretax return on assets1.3233%2,041
Return on Equity (ROE)8.4962%2,673
Retained earnings to average equity (ytd only)6.4853%1,744
Net charge-offs to loans0.2161%4,437
Credit loss provision to net charge-offs277.3973%857
Earnings coverage of net charge-offs (x)11.5890%1,705
Efficiency ratio53.4457%6,567
Assets per employee ($millions)6.1301%1,142
Cash dividends to net income (ytd only)*23.6686%3,391
Condition Ratios (%)
Loss allowance to loans1.2679%5,078
Loan loss allowance to noncurrent loans1,035.1648%386
Noncurrent assets plus other real estate owned to assets0.3271%6,157
Noncurrent loans to loans0.1225%6,500
Net loans and leases to total assets62.9825%3,406
Net loans and leases to deposits71.0548%3,941
Net loans and leases to core deposits78.0161%3,688
Total domestic deposits to total assets88.6393%1,761
Equity capital to assets9.9131%4,283
Core capital (leverage) ratio9.0504%4,694
Tier 1 risk-based capital ratio12.6125%5,360
Total risk-based capital ratio13.7409%5,441
Memoranda:
Average total assets$97,258,0004,972
Average earning assets$92,332,4004,846
Average equity$9,945,6005,036
Average total loans$67,571,2004,576
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8414%648
Cost of funding earning assets1.5767%644
Net interest margin4.2647%1,853
Noninterest income to average assets0.2134%6,087
Noninterest expense to average assets2.6174%5,012
Loan and lease loss provision to assets0.3677%2,654
Net operating income to assets0.7629%3,330
Return on assets (ROA)0.7629%3,489
Pretax return on assets1.2734%2,385
Return on Equity (ROE)7.3890%3,340
Retained earnings to average equity (ytd only)5.9922%2,560
Net charge-offs to loans0.0020%6,172
Credit loss provision to net charge-offs25,500.0000%6
Earnings coverage of net charge-offs (x)1,140.8271%19
Efficiency ratio54.2499%6,464
Assets per employee ($millions)5.8242%1,327
Cash dividends to net income (ytd only)*18.9035%2,978
Condition Ratios (%)
Loss allowance to loans1.2443%5,279
Loan loss allowance to noncurrent loans650.6944%535
Noncurrent assets plus other real estate owned to assets0.4961%5,843
Noncurrent loans to loans0.1912%6,486
Net loans and leases to total assets67.2022%2,635
Net loans and leases to deposits76.4807%3,254
Net loans and leases to core deposits84.4435%2,994
Total domestic deposits to total assets87.8682%2,116
Equity capital to assets10.3082%3,942
Core capital (leverage) ratio9.5946%4,005
Tier 1 risk-based capital ratio12.2983%5,667
Total risk-based capital ratio13.4192%5,755
Memoranda:
Average total assets$92,454,5005,154
Average earning assets$87,693,7505,042
Average equity$9,545,5005,168
Average total loans$65,889,2504,680
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7468%803
Cost of funding earning assets1.6266%628
Net interest margin4.1202%2,340
Noninterest income to average assets0.2292%6,022
Noninterest expense to average assets2.6949%4,847
Loan and lease loss provision to assets0.3241%2,847
Net operating income to assets0.6089%4,019
Return on assets (ROA)0.6089%4,148
Pretax return on assets1.1159%2,787
Return on Equity (ROE)5.8936%4,022
Retained earnings to average equity (ytd only)5.8936%2,493
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2475%6,690
Assets per employee ($millions)5.5244%1,550
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.0959%5,975
Loan loss allowance to noncurrent loans218.3024%1,407
Noncurrent assets plus other real estate owned to assets0.5119%5,890
Noncurrent loans to loans0.5020%5,899
Net loans and leases to total assets74.6930%1,286
Net loans and leases to deposits84.9613%1,951
Net loans and leases to core deposits92.2246%2,102
Total domestic deposits to total assets87.9142%2,193
Equity capital to assets9.9227%4,251
Core capital (leverage) ratio8.5146%5,528
Tier 1 risk-based capital ratio10.7828%6,676
Total risk-based capital ratio11.8075%6,763
Memoranda:
Average total assets$86,386,0005,360
Average earning assets$81,889,0005,262
Average equity$8,925,0005,346
Average total loans$62,751,3304,842
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0314%2,947
Cost of funding earning assets1.4580%1,343
Net interest margin3.5734%4,702
Noninterest income to average assets-0.9266%7,535
Noninterest expense to average assets1.8783%7,027
Loan and lease loss provision to assets0.1503%4,138
Net operating income to assets0.0801%6,144
Return on assets (ROA)0.0801%6,199
Pretax return on assets0.4207%5,280
Return on Equity (ROE)0.7570%6,201
Retained earnings to average equity (ytd only)0.7570%5,523
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6871%3,035
Assets per employee ($millions)5.6488%1,450
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0526%6,216
Loan loss allowance to noncurrent loans838.8235%430
Noncurrent assets plus other real estate owned to assets0.5665%5,842
Noncurrent loans to loans0.1255%6,734
Net loans and leases to total assets65.9199%3,032
Net loans and leases to deposits74.5305%3,679
Net loans and leases to core deposits81.6415%3,508
Total domestic deposits to total assets88.4469%2,107
Equity capital to assets9.3196%4,695
Core capital (leverage) ratio11.8063%1,674
Tier 1 risk-based capital ratio11.1358%6,409
Total risk-based capital ratio12.0863%6,599
Memoranda:
Average total assets$79,859,5005,592
Average earning assets$75,446,5005,495
Average equity$8,454,0005,471
Average total loans$56,578,5005,150
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2650%494
Cost of funding earning assets1.7212%1,507
Net interest margin4.5438%1,147
Noninterest income to average assets0.6238%3,321
Noninterest expense to average assets3.2545%2,901
Loan and lease loss provision to assets0.3796%3,840
Net operating income to assets0.8756%2,479
Return on assets (ROA)0.9095%2,486
Pretax return on assets1.3492%1,803
Return on Equity (ROE)6.6783%3,268
Retained earnings to average equity (ytd only)5.9194%1,867
Net charge-offs to loans0.1687%5,317
Credit loss provision to net charge-offs272.9730%1,002
Earnings coverage of net charge-offs (x)12.1892%1,531
Efficiency ratio65.7555%5,017
Assets per employee ($millions)5.8041%1,349
Cash dividends to net income (ytd only)*11.3636%3,720
Condition Ratios (%)
Loss allowance to loans1.5038%3,987
Loan loss allowance to noncurrent loans676.2376%502
Noncurrent assets plus other real estate owned to assets1.3870%4,262
Noncurrent loans to loans0.2224%6,619
Net loans and leases to total assets77.0748%1,081
Net loans and leases to deposits92.4888%1,206
Net loans and leases to core deposits107.6603%1,081
Total domestic deposits to total assets83.3342%4,671
Equity capital to assets12.8047%1,487
Core capital (leverage) ratio12.8544%1,179
Tier 1 risk-based capital ratio15.1233%3,186
Total risk-based capital ratio16.3755%3,128
Memoranda:
Average total assets$53,218,0006,425
Average earning assets$50,662,4006,343
Average equity$7,247,4005,947
Average total loans$43,862,4005,753
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2420%566
Cost of funding earning assets1.7261%1,737
Net interest margin4.5159%1,225
Noninterest income to average assets0.7895%2,291
Noninterest expense to average assets3.3632%2,389
Loan and lease loss provision to assets0.4665%3,140
Net operating income to assets0.9382%2,461
Return on assets (ROA)0.9818%2,413
Pretax return on assets1.3022%2,163
Return on Equity (ROE)7.0911%3,303
Retained earnings to average equity (ytd only)6.3506%2,174
Net charge-offs to loans0.2269%4,571
Credit loss provision to net charge-offs245.9459%1,362
Earnings coverage of net charge-offs (x)9.0950%2,064
Efficiency ratio66.0957%4,835
Assets per employee ($millions)5.6172%1,520
Cash dividends to net income (ytd only)*10.4436%3,306
Condition Ratios (%)
Loss allowance to loans1.3999%4,457
Loan loss allowance to noncurrent loans71.2903%3,747
Noncurrent assets plus other real estate owned to assets2.9089%2,495
Noncurrent loans to loans1.9637%3,728
Net loans and leases to total assets83.1304%398
Net loans and leases to deposits100.9883%583
Net loans and leases to core deposits118.7468%661
Total domestic deposits to total assets82.3168%4,867
Equity capital to assets13.1507%1,515
Core capital (leverage) ratio13.3449%1,102
Tier 1 risk-based capital ratio14.6836%3,404
Total risk-based capital ratio15.9339%3,380
Memoranda:
Average total assets$52,012,2506,538
Average earning assets$49,512,5006,451
Average equity$7,201,2506,042
Average total loans$43,473,5005,851
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1165%733
Cost of funding earning assets1.7192%2,020
Net interest margin4.3972%1,452
Noninterest income to average assets1.1338%1,016
Noninterest expense to average assets3.7293%1,498
Loan and lease loss provision to assets0.4820%2,896
Net operating income to assets0.7980%2,987
Return on assets (ROA)0.8612%2,830
Pretax return on assets1.1891%2,448
Return on Equity (ROE)6.1070%3,754
Retained earnings to average equity (ytd only)5.4067%2,674
Net charge-offs to loans0.1091%5,074
Credit loss provision to net charge-offs530.4348%695
Earnings coverage of net charge-offs (x)17.6957%1,324
Efficiency ratio69.8742%4,211
Assets per employee ($millions)5.2286%1,895
Cash dividends to net income (ytd only)*11.4679%3,126
Condition Ratios (%)
Loss allowance to loans1.4521%4,169
Loan loss allowance to noncurrent loans42.5504%5,490
Noncurrent assets plus other real estate owned to assets2.9396%2,443
Noncurrent loans to loans3.4126%2,331
Net loans and leases to total assets84.8889%292
Net loans and leases to deposits104.2513%474
Net loans and leases to core deposits121.0258%664
Total domestic deposits to total assets81.4272%5,230
Equity capital to assets13.8393%1,227
Core capital (leverage) ratio13.8393%966
Tier 1 risk-based capital ratio15.3279%2,987
Total risk-based capital ratio16.5804%2,951
Memoranda:
Average total assets$50,625,6706,632
Average earning assets$48,394,0006,535
Average equity$7,139,3306,097
Average total loans$42,178,3305,946
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3619%476
Cost of funding earning assets2.1066%795
Net interest margin4.2552%1,838
Noninterest income to average assets2.1769%302
Noninterest expense to average assets4.7073%475
Loan and lease loss provision to assets0.2169%4,333
Net operating income to assets0.9880%2,228
Return on assets (ROA)1.0925%1,935
Pretax return on assets1.4298%1,694
Return on Equity (ROE)7.6717%3,036
Retained earnings to average equity (ytd only)6.2615%2,487
Net charge-offs to loans-0.0098%6,887
Credit loss provision to net charge-offs-2,700.0000%6,560
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.3213%3,343
Assets per employee ($millions)5.0786%2,133
Cash dividends to net income (ytd only)*18.3824%2,261
Condition Ratios (%)
Loss allowance to loans1.4118%4,357
Loan loss allowance to noncurrent loans68.1871%3,948
Noncurrent assets plus other real estate owned to assets1.6835%3,949
Noncurrent loans to loans2.0704%3,694
Net loans and leases to total assets80.1658%823
Net loans and leases to deposits103.7142%546
Net loans and leases to core deposits125.7078%594
Total domestic deposits to total assets77.2949%6,493
Equity capital to assets14.0688%1,118
Core capital (leverage) ratio14.5368%844
Tier 1 risk-based capital ratio15.7868%2,733
Total risk-based capital ratio17.0378%2,675
Memoranda:
Average total assets$49,795,5006,737
Average earning assets$47,659,0006,643
Average equity$7,091,0006,167
Average total loans$40,748,0006,087
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2865%1,053
Cost of funding earning assets2.0711%2,622
Net interest margin4.2154%2,016
Noninterest income to average assets9.5062%73
Noninterest expense to average assets11.9527%77
Loan and lease loss provision to assets0.3611%4,637
Net operating income to assets0.8295%2,417
Return on assets (ROA)0.8551%2,406
Pretax return on assets1.2442%1,840
Return on Equity (ROE)7.2910%2,668
Retained earnings to average equity (ytd only)7.2910%876
Net charge-offs to loans0.1054%6,088
Credit loss provision to net charge-offs442.8571%702
Earnings coverage of net charge-offs (x)19.3714%1,086
Efficiency ratio88.2748%1,858
Assets per employee ($millions)3.7542%4,385
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.3806%4,334
Loan loss allowance to noncurrent loans500.0000%668
Noncurrent assets plus other real estate owned to assets0.2274%6,896
Noncurrent loans to loans0.2761%6,736
Net loans and leases to total assets81.2314%803
Net loans and leases to deposits101.8837%759
Net loans and leases to core deposits165.4149%280
Total domestic deposits to total assets79.7295%5,760
Equity capital to assets14.4186%1,047
Core capital (leverage) ratio14.9641%797
Tier 1 risk-based capital ratio15.5323%2,703
Total risk-based capital ratio16.7741%2,656
Memoranda:
Average total assets$42,919,2006,993
Average earning assets$40,992,8006,909
Average equity$5,033,6006,927
Average total loans$33,201,2006,453
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1762%1,430
Cost of funding earning assets2.1899%2,455
Net interest margin3.9863%2,870
Noninterest income to average assets8.6886%84
Noninterest expense to average assets10.7924%93
Loan and lease loss provision to assets0.4504%3,663
Net operating income to assets0.8171%2,735
Return on assets (ROA)0.7367%3,137
Pretax return on assets1.1774%2,334
Return on Equity (ROE)6.7361%3,193
Retained earnings to average equity (ytd only)6.7361%1,613
Net charge-offs to loans0.1441%5,251
Credit loss provision to net charge-offs411.7647%965
Earnings coverage of net charge-offs (x)15.6184%1,526
Efficiency ratio86.2841%2,030
Assets per employee ($millions)0.4312%8,059
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5024%3,425
Loan loss allowance to noncurrent loans140.1554%2,022
Noncurrent assets plus other real estate owned to assets0.8607%5,364
Noncurrent loans to loans1.0720%5,169
Net loans and leases to total assets79.0827%1,371
Net loans and leases to deposits103.0299%843
Net loans and leases to core deposits160.5786%372
Total domestic deposits to total assets76.7570%6,408
Equity capital to assets15.3965%907
Core capital (leverage) ratio16.3220%634
Tier 1 risk-based capital ratio18.4714%1,870
Total risk-based capital ratio19.7231%1,816
Memoranda:
Average total assets$41,447,7507,089
Average earning assets$39,634,7507,009
Average equity$4,532,7507,166
Average total loans$31,451,5006,599
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1242%1,715
Cost of funding earning assets2.2953%2,371
Net interest margin3.8289%3,422
Noninterest income to average assets6.5932%107
Noninterest expense to average assets8.7264%143
Loan and lease loss provision to assets0.3225%4,009
Net operating income to assets0.7541%3,025
Return on assets (ROA)0.7094%3,314
Pretax return on assets1.1658%2,411
Return on Equity (ROE)7.6430%2,907
Retained earnings to average equity (ytd only)7.6430%1,335
Net charge-offs to loans0.2405%3,991
Credit loss provision to net charge-offs180.5556%2,533
Earnings coverage of net charge-offs (x)8.5833%2,237
Efficiency ratio85.0097%2,357
Assets per employee ($millions)0.9584%8,136
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4661%3,381
Loan loss allowance to noncurrent loans113.1707%2,594
Noncurrent assets plus other real estate owned to assets0.9949%4,976
Noncurrent loans to loans1.2955%4,614
Net loans and leases to total assets75.6673%2,264
Net loans and leases to deposits90.0127%2,832
Net loans and leases to core deposits123.2326%2,093
Total domestic deposits to total assets84.0629%3,731
Equity capital to assets9.2497%4,939
Core capital (leverage) ratio9.5302%3,842
Tier 1 risk-based capital ratio11.5566%5,326
Total risk-based capital ratio12.7960%5,265
Memoranda:
Average total assets$40,314,3307,193
Average earning assets$38,601,0007,107
Average equity$3,742,0007,496
Average total loans$29,932,6706,736
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1551%1,742
Cost of funding earning assets2.4327%2,166
Net interest margin3.7224%3,792
Noninterest income to average assets1.8362%410
Noninterest expense to average assets3.7727%1,521
Loan and lease loss provision to assets0.4515%2,663
Net operating income to assets0.7124%3,495
Return on assets (ROA)0.7124%3,690
Pretax return on assets1.1739%2,706
Return on Equity (ROE)7.6612%3,303
Retained earnings to average equity (ytd only)7.6612%1,949
Net charge-offs to loans0.5641%2,056
Credit loss provision to net charge-offs109.7561%3,511
Earnings coverage of net charge-offs (x)3.9512%3,017
Efficiency ratio69.7026%4,642
Assets per employee ($millions)1.2343%8,154
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5199%2,868
Loan loss allowance to noncurrent loans205.1402%1,621
Noncurrent assets plus other real estate owned to assets0.5418%5,851
Noncurrent loans to loans0.7409%5,577
Net loans and leases to total assets72.0174%3,239
Net loans and leases to deposits80.5049%4,535
Net loans and leases to core deposits109.4758%3,502
Total domestic deposits to total assets89.4572%1,027
Equity capital to assets9.4997%4,663
Core capital (leverage) ratio9.4206%4,079
Tier 1 risk-based capital ratio12.7287%4,367
Total risk-based capital ratio13.9830%4,283
Memoranda:
Average total assets$39,865,5007,256
Average earning assets$38,147,0007,165
Average equity$3,707,0007,554
Average total loans$29,075,0006,817
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0986%919
Cost of funding earning assets2.8688%2,399
Net interest margin4.2298%2,193
Noninterest income to average assets0.4176%5,318
Noninterest expense to average assets2.6050%5,632
Loan and lease loss provision to assets0.1847%5,046
Net operating income to assets1.1221%2,066
Return on assets (ROA)1.1221%1,978
Pretax return on assets1.6363%1,294
Return on Equity (ROE)11.4155%1,787
Retained earnings to average equity (ytd only)11.4155%280
Net charge-offs to loans0.0193%6,589
Credit loss provision to net charge-offs1,300.0000%346
Earnings coverage of net charge-offs (x)128.2000%350
Efficiency ratio58.6650%6,579
Assets per employee ($millions)3.0950%5,780
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.4863%2,765
Loan loss allowance to noncurrent loans430.6931%980
Noncurrent assets plus other real estate owned to assets0.2510%6,573
Noncurrent loans to loans0.3451%6,341
Net loans and leases to total assets71.6590%3,662
Net loans and leases to deposits79.7081%5,097
Net loans and leases to core deposits104.0115%4,394
Total domestic deposits to total assets89.9018%686
Equity capital to assets9.1015%5,223
Core capital (leverage) ratio9.7285%3,731
Tier 1 risk-based capital ratio12.2622%4,618
Total risk-based capital ratio13.5148%4,504
Memoranda:
Average total assets$35,201,6007,412
Average earning assets$33,358,6007,355
Average equity$3,460,2007,696
Average total loans$25,909,8006,975