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Black River Country Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8747%1,685
Cost of funding earning assets0.5494%712
Net interest margin3.3253%2,248
Noninterest income to average assets0.3088%3,554
Noninterest expense to average assets2.1770%3,151
Loan and lease loss provision to assets0.0630%1,810
Net operating income to assets1.2025%1,914
Return on assets (ROA)1.2067%1,948
Pretax return on assets1.2067%2,643
Return on Equity (ROE)12.5973%1,608
Retained earnings to average equity (ytd only)0.1425%4,452
Net charge-offs to loans0.0030%2,511
Credit loss provision to net charge-offs3,000.0000%226
Earnings coverage of net charge-offs (x)602.5000%236
Efficiency ratio63.2398%2,676
Assets per employee ($millions)5.4001%3,354
Cash dividends to net income (ytd only)*98.8686%225
Condition Ratios (%)
Loss allowance to loans1.5046%1,537
Loan loss allowance to noncurrent loans34,366.6667%55
Noncurrent assets plus other real estate owned to assets0.0448%3,681
Noncurrent loans to loans0.0044%4,091
Net loans and leases to total assets65.7820%1,493
Net loans and leases to deposits77.1887%1,477
Net loans and leases to core deposits80.2313%1,574
Total domestic deposits to total assets85.2224%3,204
Equity capital to assets8.5194%4,038
Core capital (leverage) ratio8.6537%3,769
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7248%1,963
Memoranda:
Average total assets$95,222,0004,042
Average earning assets$89,736,8004,029
Average equity$9,121,0004,233
Average total loans$65,936,4003,725
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0186%1,496
Cost of funding earning assets0.5611%785
Net interest margin3.4575%1,985
Noninterest income to average assets0.3170%3,530
Noninterest expense to average assets2.2089%3,043
Loan and lease loss provision to assets0.0643%1,715
Net operating income to assets1.2951%1,842
Return on assets (ROA)1.2951%1,902
Pretax return on assets1.2994%2,629
Return on Equity (ROE)13.1218%1,658
Retained earnings to average equity (ytd only)6.7851%2,498
Net charge-offs to loans0.0041%2,197
Credit loss provision to net charge-offs2,250.0000%304
Earnings coverage of net charge-offs (x)477.5000%311
Efficiency ratio61.8305%2,727
Assets per employee ($millions)5.0032%3,692
Cash dividends to net income (ytd only)*48.2911%1,261
Condition Ratios (%)
Loss allowance to loans1.5294%1,526
Loan loss allowance to noncurrent loans25,400.0000%67
Noncurrent assets plus other real estate owned to assets0.0494%3,824
Noncurrent loans to loans0.0060%4,165
Net loans and leases to total assets68.8148%1,216
Net loans and leases to deposits82.5709%1,060
Net loans and leases to core deposits86.1780%1,277
Total domestic deposits to total assets83.3402%3,621
Equity capital to assets9.8947%3,005
Core capital (leverage) ratio9.8143%2,694
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4911%1,488
Memoranda:
Average total assets$93,377,2504,111
Average earning assets$87,921,7504,093
Average equity$9,216,0004,280
Average total loans$65,289,5003,789
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1579%1,252
Cost of funding earning assets0.5737%843
Net interest margin3.5841%1,625
Noninterest income to average assets0.3814%3,207
Noninterest expense to average assets2.1483%3,248
Loan and lease loss provision to assets0.0646%1,749
Net operating income to assets1.5407%1,189
Return on assets (ROA)1.5407%1,253
Pretax return on assets1.5471%1,882
Return on Equity (ROE)15.6239%1,034
Retained earnings to average equity (ytd only)9.1340%1,670
Net charge-offs to loans0.0062%1,921
Credit loss provision to net charge-offs1,500.0000%353
Earnings coverage of net charge-offs (x)374.0000%323
Efficiency ratio57.1347%3,386
Assets per employee ($millions)4.9766%3,681
Cash dividends to net income (ytd only)*41.5385%1,540
Condition Ratios (%)
Loss allowance to loans1.5067%1,572
Loan loss allowance to noncurrent loans14,300.0000%86
Noncurrent assets plus other real estate owned to assets0.0529%3,884
Noncurrent loans to loans0.0105%4,190
Net loans and leases to total assets69.2031%1,298
Net loans and leases to deposits82.9110%1,131
Net loans and leases to core deposits86.2064%1,401
Total domestic deposits to total assets83.4668%3,587
Equity capital to assets9.8831%2,967
Core capital (leverage) ratio9.8691%2,528
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5280%1,463
Memoranda:
Average total assets$92,816,0004,144
Average earning assets$87,496,6674,120
Average equity$9,152,6674,308
Average total loans$64,908,6673,818
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2102%1,185
Cost of funding earning assets0.5949%891
Net interest margin3.6153%1,542
Noninterest income to average assets0.4698%2,755
Noninterest expense to average assets2.2839%2,842
Loan and lease loss provision to assets0.0653%1,837
Net operating income to assets1.5183%1,286
Return on assets (ROA)1.5183%1,348
Pretax return on assets1.5313%1,910
Return on Equity (ROE)15.4143%1,135
Retained earnings to average equity (ytd only)9.4959%1,801
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8565%3,178
Assets per employee ($millions)4.9285%3,735
Cash dividends to net income (ytd only)*38.3954%1,442
Condition Ratios (%)
Loss allowance to loans1.5111%1,565
Loan loss allowance to noncurrent loans16,466.6667%55
Noncurrent assets plus other real estate owned to assets0.0523%4,005
Noncurrent loans to loans0.0092%4,272
Net loans and leases to total assets68.7658%1,434
Net loans and leases to deposits81.2233%1,406
Net loans and leases to core deposits83.9314%1,687
Total domestic deposits to total assets84.6627%3,234
Equity capital to assets9.7126%2,985
Core capital (leverage) ratio9.9166%2,619
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9370%1,309
Memoranda:
Average total assets$91,946,5004,161
Average earning assets$86,741,5004,136
Average equity$9,056,5004,326
Average total loans$64,145,0003,838
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5228%1,257
Cost of funding earning assets0.8543%1,005
Net interest margin3.6685%1,919
Noninterest income to average assets0.3388%3,434
Noninterest expense to average assets2.2947%3,411
Loan and lease loss provision to assets0.0689%3,520
Net operating income to assets1.4127%992
Return on assets (ROA)1.4127%1,075
Pretax return on assets1.4127%1,617
Return on Equity (ROE)13.4570%932
Retained earnings to average equity (ytd only)0.3282%4,415
Net charge-offs to loans0.0151%2,811
Credit loss provision to net charge-offs600.0000%1,102
Earnings coverage of net charge-offs (x)129.0000%655
Efficiency ratio60.7664%3,354
Assets per employee ($millions)4.7501%3,660
Cash dividends to net income (ytd only)*97.5610%282
Condition Ratios (%)
Loss allowance to loans1.5467%1,442
Loan loss allowance to noncurrent loans4,865.0000%208
Noncurrent assets plus other real estate owned to assets0.0698%3,993
Noncurrent loans to loans0.0318%4,185
Net loans and leases to total assets68.6256%1,748
Net loans and leases to deposits81.7605%1,682
Net loans and leases to core deposits84.9532%1,956
Total domestic deposits to total assets83.9350%3,134
Equity capital to assets9.9920%3,137
Core capital (leverage) ratio9.7894%2,801
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9924%1,263
Memoranda:
Average total assets$87,068,4004,159
Average earning assets$81,586,6004,140
Average equity$9,140,2004,293
Average total loans$66,249,2003,805
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7096%1,046
Cost of funding earning assets0.9069%1,046
Net interest margin3.8027%1,613
Noninterest income to average assets0.3462%3,396
Noninterest expense to average assets2.2950%3,434
Loan and lease loss provision to assets0.0695%3,459
Net operating income to assets1.5393%835
Return on assets (ROA)1.5393%914
Pretax return on assets1.5393%1,359
Return on Equity (ROE)14.4805%799
Retained earnings to average equity (ytd only)9.3047%909
Net charge-offs to loans0.0179%2,500
Credit loss provision to net charge-offs500.0000%1,276
Earnings coverage of net charge-offs (x)115.6667%714
Efficiency ratio58.7886%3,556
Assets per employee ($millions)4.4929%3,856
Cash dividends to net income (ytd only)*35.7430%2,101
Condition Ratios (%)
Loss allowance to loans1.4169%1,663
Loan loss allowance to noncurrent loans1,546.7742%416
Noncurrent assets plus other real estate owned to assets0.1169%3,845
Noncurrent loans to loans0.0916%4,001
Net loans and leases to total assets74.2538%1,344
Net loans and leases to deposits89.2615%1,344
Net loans and leases to core deposits93.1313%1,699
Total domestic deposits to total assets83.1868%3,095
Equity capital to assets10.6780%2,644
Core capital (leverage) ratio10.2892%2,447
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9490%1,258
Memoranda:
Average total assets$86,272,5004,173
Average earning assets$80,712,7504,158
Average equity$9,170,7504,305
Average total loans$67,084,2503,809
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8971%981
Cost of funding earning assets0.9418%1,184
Net interest margin3.9554%1,431
Noninterest income to average assets0.3667%3,280
Noninterest expense to average assets2.3296%3,453
Loan and lease loss provision to assets0.0705%3,414
Net operating income to assets1.6691%652
Return on assets (ROA)1.6691%711
Pretax return on assets1.6691%1,056
Return on Equity (ROE)15.7265%614
Retained earnings to average equity (ytd only)11.4516%541
Net charge-offs to loans0.0269%2,185
Credit loss provision to net charge-offs333.3333%1,547
Earnings coverage of net charge-offs (x)82.2222%790
Efficiency ratio57.2501%3,780
Assets per employee ($millions)4.9529%3,229
Cash dividends to net income (ytd only)*27.1831%2,476
Condition Ratios (%)
Loss allowance to loans1.3829%1,643
Loan loss allowance to noncurrent loans81.1694%3,503
Noncurrent assets plus other real estate owned to assets1.2815%821
Noncurrent loans to loans1.7037%849
Net loans and leases to total assets71.5353%1,797
Net loans and leases to deposits85.0342%1,878
Net loans and leases to core deposits88.3892%2,210
Total domestic deposits to total assets84.1253%2,712
Equity capital to assets10.0344%3,171
Core capital (leverage) ratio10.6837%2,210
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5953%1,341
Memoranda:
Average total assets$85,077,3334,194
Average earning assets$79,638,6674,175
Average equity$9,029,3334,336
Average total loans$66,885,0003,818
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8230%1,365
Cost of funding earning assets0.9986%1,426
Net interest margin3.8244%1,889
Noninterest income to average assets0.2880%3,797
Noninterest expense to average assets2.5520%3,127
Loan and lease loss provision to assets0.0745%2,807
Net operating income to assets1.2363%1,417
Return on assets (ROA)1.2363%1,516
Pretax return on assets1.2363%2,080
Return on Equity (ROE)11.2893%1,335
Retained earnings to average equity (ytd only)11.2893%526
Net charge-offs to loans0.0544%1,466
Credit loss provision to net charge-offs166.6667%1,525
Earnings coverage of net charge-offs (x)29.3333%1,194
Efficiency ratio66.0668%2,949
Assets per employee ($millions)3.8141%4,153
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4021%1,691
Loan loss allowance to noncurrent loans73.1496%3,676
Noncurrent assets plus other real estate owned to assets1.6243%624
Noncurrent loans to loans1.9168%762
Net loans and leases to total assets81.5599%496
Net loans and leases to deposits95.0045%995
Net loans and leases to core deposits99.3370%1,528
Total domestic deposits to total assets85.8484%2,059
Equity capital to assets11.0279%2,833
Core capital (leverage) ratio11.3215%2,221
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9458%1,358
Memoranda:
Average total assets$80,563,0004,259
Average earning assets$75,305,5004,234
Average equity$8,822,5004,386
Average total loans$66,196,0003,842
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9175%1,704
Cost of funding earning assets1.0000%1,722
Net interest margin3.9175%2,111
Noninterest income to average assets0.2890%3,959
Noninterest expense to average assets2.5548%3,307
Loan and lease loss provision to assets0.0754%2,487
Net operating income to assets1.2969%1,704
Return on assets (ROA)1.2969%1,776
Pretax return on assets1.2969%2,512
Return on Equity (ROE)11.5739%1,661
Retained earnings to average equity (ytd only)0.3477%4,594
Net charge-offs to loans0.0045%3,514
Credit loss provision to net charge-offs2,000.0000%186
Earnings coverage of net charge-offs (x)364.0000%244
Efficiency ratio65.0560%2,924
Assets per employee ($millions)4.0515%3,841
Cash dividends to net income (ytd only)*96.9961%367
Condition Ratios (%)
Loss allowance to loans1.3956%1,535
Loan loss allowance to noncurrent loans1,112.0482%534
Noncurrent assets plus other real estate owned to assets0.1407%3,937
Noncurrent loans to loans0.1255%4,024
Net loans and leases to total assets80.4811%726
Net loans and leases to deposits93.8452%1,170
Net loans and leases to core deposits97.6491%1,759
Total domestic deposits to total assets85.7594%2,157
Equity capital to assets10.8751%3,113
Core capital (leverage) ratio10.8671%2,623
Tier 1 risk-based capital ratio15.5962%2,543
Total risk-based capital ratio16.8506%2,478
Memoranda:
Average total assets$79,574,6004,294
Average earning assets$73,899,4004,288
Average equity$8,916,6004,384
Average total loans$66,429,0003,848
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9093%1,791
Cost of funding earning assets0.9859%1,825
Net interest margin3.9235%2,180
Noninterest income to average assets0.2744%4,105
Noninterest expense to average assets2.5518%3,293
Loan and lease loss provision to assets0.0757%2,379
Net operating income to assets1.2843%1,907
Return on assets (ROA)1.2843%1,992
Pretax return on assets1.2843%2,717
Return on Equity (ROE)11.3758%1,851
Retained earnings to average equity (ytd only)6.6048%2,056
Net charge-offs to loans0.0040%3,265
Credit loss provision to net charge-offs2,250.0000%180
Earnings coverage of net charge-offs (x)403.4869%245
Efficiency ratio65.2324%2,820
Assets per employee ($millions)3.9458%3,970
Cash dividends to net income (ytd only)*41.9400%2,072
Condition Ratios (%)
Loss allowance to loans1.3682%1,692
Loan loss allowance to noncurrent loans1,180.5195%516
Noncurrent assets plus other real estate owned to assets0.1369%4,047
Noncurrent loans to loans0.1159%4,130
Net loans and leases to total assets83.0351%448
Net loans and leases to deposits98.1237%809
Net loans and leases to core deposits102.6682%1,447
Total domestic deposits to total assets84.6229%2,571
Equity capital to assets11.6833%2,522
Core capital (leverage) ratio11.6069%2,142
Tier 1 risk-based capital ratio16.1219%2,381
Total risk-based capital ratio17.3747%2,321
Memoranda:
Average total assets$79,211,0004,358
Average earning assets$73,436,5004,349
Average equity$8,942,7504,430
Average total loans$66,502,2503,885
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8369%1,948
Cost of funding earning assets0.9527%1,894
Net interest margin3.8842%2,287
Noninterest income to average assets0.2799%4,062
Noninterest expense to average assets2.4663%3,583
Loan and lease loss provision to assets0.0757%2,302
Net operating income to assets1.3365%1,628
Return on assets (ROA)1.3365%1,690
Pretax return on assets1.3365%2,422
Return on Equity (ROE)11.9770%1,585
Retained earnings to average equity (ytd only)6.5986%2,008
Net charge-offs to loans0.0060%2,936
Credit loss provision to net charge-offs1,500.0000%239
Earnings coverage of net charge-offs (x)280.0000%282
Efficiency ratio63.5891%3,201
Assets per employee ($millions)4.0847%3,761
Cash dividends to net income (ytd only)*44.9057%2,010
Condition Ratios (%)
Loss allowance to loans1.3515%1,806
Loan loss allowance to noncurrent loans442.5743%1,106
Noncurrent assets plus other real estate owned to assets0.2852%3,416
Noncurrent loans to loans0.3054%3,453
Net loans and leases to total assets79.8771%893
Net loans and leases to deposits94.6437%1,188
Net loans and leases to core deposits98.7515%1,826
Total domestic deposits to total assets84.3977%2,725
Equity capital to assets11.0548%2,990
Core capital (leverage) ratio11.3238%2,316
Tier 1 risk-based capital ratio15.8303%2,486
Total risk-based capital ratio17.0827%2,419
Memoranda:
Average total assets$79,309,3304,387
Average earning assets$73,477,3304,383
Average equity$8,850,3304,459
Average total loans$66,524,0003,916
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8377%1,795
Cost of funding earning assets0.9112%1,954
Net interest margin3.9265%2,108
Noninterest income to average assets0.2867%3,959
Noninterest expense to average assets2.2837%4,065
Loan and lease loss provision to assets0.0768%2,141
Net operating income to assets1.5669%969
Return on assets (ROA)1.5669%996
Pretax return on assets1.5669%1,552
Return on Equity (ROE)13.9726%978
Retained earnings to average equity (ytd only)13.9726%354
Net charge-offs to loans0.0120%2,260
Credit loss provision to net charge-offs750.0000%454
Earnings coverage of net charge-offs (x)160.5000%478
Efficiency ratio58.1486%4,057
Assets per employee ($millions)4.1496%3,701
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.3114%2,038
Loan loss allowance to noncurrent loans79.2606%3,706
Noncurrent assets plus other real estate owned to assets1.4637%825
Noncurrent loans to loans1.6545%943
Net loans and leases to total assets83.9032%381
Net loans and leases to deposits100.7631%575
Net loans and leases to core deposits105.3410%1,217
Total domestic deposits to total assets83.2678%3,294
Equity capital to assets11.3366%2,534
Core capital (leverage) ratio11.6998%1,982
Tier 1 risk-based capital ratio16.0492%2,417
Total risk-based capital ratio17.3030%2,360
Memoranda:
Average total assets$78,117,5004,455
Average earning assets$72,430,5004,443
Average equity$8,760,0004,504
Average total loans$66,712,0003,951
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7343%1,720
Cost of funding earning assets0.7723%1,675
Net interest margin3.9620%2,121
Noninterest income to average assets0.2661%4,335
Noninterest expense to average assets2.4179%3,837
Loan and lease loss provision to assets0.0779%2,570
Net operating income to assets1.4419%1,302
Return on assets (ROA)1.4419%1,290
Pretax return on assets1.4458%1,966
Return on Equity (ROE)12.5912%1,514
Retained earnings to average equity (ytd only)0.1247%4,949
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3434%3,647
Assets per employee ($millions)4.0733%3,787
Cash dividends to net income (ytd only)*99.0099%266
Condition Ratios (%)
Loss allowance to loans1.3043%2,021
Loan loss allowance to noncurrent loans370.0855%1,391
Noncurrent assets plus other real estate owned to assets0.3605%3,105
Noncurrent loans to loans0.3524%3,282
Net loans and leases to total assets84.6692%351
Net loans and leases to deposits100.4507%707
Net loans and leases to core deposits104.6071%1,369
Total domestic deposits to total assets84.2893%2,911
Equity capital to assets11.0889%2,603
Core capital (leverage) ratio11.2650%2,291
Tier 1 risk-based capital ratio15.7904%2,500
Total risk-based capital ratio17.0436%2,417
Memoranda:
Average total assets$77,049,4004,482
Average earning assets$71,478,8004,469
Average equity$8,823,6004,480
Average total loans$65,513,0003,976
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7026%1,670
Cost of funding earning assets0.7377%1,632
Net interest margin3.9649%2,065
Noninterest income to average assets0.2720%4,335
Noninterest expense to average assets2.2885%4,127
Loan and lease loss provision to assets0.0780%2,400
Net operating income to assets1.5799%999
Return on assets (ROA)1.5799%1,004
Pretax return on assets1.5834%1,623
Return on Equity (ROE)13.6872%1,207
Retained earnings to average equity (ytd only)8.5244%1,407
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9386%4,138
Assets per employee ($millions)4.1015%3,726
Cash dividends to net income (ytd only)*37.7197%2,175
Condition Ratios (%)
Loss allowance to loans1.2851%2,168
Loan loss allowance to noncurrent loans341.7671%1,502
Noncurrent assets plus other real estate owned to assets0.3593%3,236
Noncurrent loans to loans0.3760%3,302
Net loans and leases to total assets83.8838%467
Net loans and leases to deposits105.3082%470
Net loans and leases to core deposits110.8081%988
Total domestic deposits to total assets79.6556%4,182
Equity capital to assets11.6839%2,118
Core capital (leverage) ratio12.0336%1,767
Tier 1 risk-based capital ratio16.7180%2,201
Total risk-based capital ratio17.9708%2,145
Memoranda:
Average total assets$76,963,5004,532
Average earning assets$71,391,5004,513
Average equity$8,884,0004,520
Average total loans$65,292,7504,015
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6456%1,654
Cost of funding earning assets0.7102%1,567
Net interest margin3.9354%2,088
Noninterest income to average assets0.2949%4,209
Noninterest expense to average assets2.3094%4,123
Loan and lease loss provision to assets0.0783%2,340
Net operating income to assets1.5631%1,002
Return on assets (ROA)1.5631%1,011
Pretax return on assets1.5657%1,618
Return on Equity (ROE)13.5977%1,183
Retained earnings to average equity (ytd only)8.8305%1,268
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4158%4,169
Assets per employee ($millions)4.0692%3,785
Cash dividends to net income (ytd only)*35.0584%2,358
Condition Ratios (%)
Loss allowance to loans1.2759%2,299
Loan loss allowance to noncurrent loans338.4615%1,497
Noncurrent assets plus other real estate owned to assets0.3596%3,298
Noncurrent loans to loans0.3770%3,342
Net loans and leases to total assets83.6679%498
Net loans and leases to deposits102.1460%652
Net loans and leases to core deposits106.4684%1,210
Total domestic deposits to total assets81.9101%3,744
Equity capital to assets11.5684%2,148
Core capital (leverage) ratio11.8442%1,812
Tier 1 risk-based capital ratio16.5117%2,255
Total risk-based capital ratio17.7644%2,199
Memoranda:
Average total assets$76,642,0004,577
Average earning assets$71,250,0004,563
Average equity$8,810,3304,560
Average total loans$64,983,6704,046
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5649%1,680
Cost of funding earning assets0.6586%1,669
Net interest margin3.9063%2,025
Noninterest income to average assets0.2569%4,459
Noninterest expense to average assets2.2279%4,352
Loan and lease loss provision to assets0.0786%2,202
Net operating income to assets1.5831%890
Return on assets (ROA)1.5831%896
Pretax return on assets1.5883%1,420
Return on Equity (ROE)13.8160%1,054
Retained earnings to average equity (ytd only)13.8160%419
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.2005%4,443
Assets per employee ($millions)3.9968%3,985
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2628%2,443
Loan loss allowance to noncurrent loans91.4254%3,627
Noncurrent assets plus other real estate owned to assets1.2233%1,238
Noncurrent loans to loans1.3813%1,293
Net loans and leases to total assets84.5286%386
Net loans and leases to deposits103.7833%486
Net loans and leases to core deposits107.4614%1,155
Total domestic deposits to total assets81.4472%4,107
Equity capital to assets11.6658%2,017
Core capital (leverage) ratio11.8920%1,718
Tier 1 risk-based capital ratio16.3689%2,334
Total risk-based capital ratio17.6226%2,273
Memoranda:
Average total assets$76,306,0004,633
Average earning assets$71,064,0004,615
Average equity$8,743,5004,619
Average total loans$64,714,0004,078
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6019%1,424
Cost of funding earning assets0.6220%1,457
Net interest margin3.9799%1,810
Noninterest income to average assets0.2680%4,516
Noninterest expense to average assets2.4917%3,811
Loan and lease loss provision to assets0.0788%2,617
Net operating income to assets1.3818%1,058
Return on assets (ROA)1.3779%1,080
Pretax return on assets1.3831%2,046
Return on Equity (ROE)11.2988%1,395
Retained earnings to average equity (ytd only)-7.4966%5,493
Net charge-offs to loans0.0207%3,419
Credit loss provision to net charge-offs461.5385%679
Earnings coverage of net charge-offs (x)85.8462%727
Efficiency ratio62.9605%3,783
Assets per employee ($millions)4.0354%3,907
Cash dividends to net income (ytd only)*166.3489%122
Condition Ratios (%)
Loss allowance to loans1.2512%2,463
Loan loss allowance to noncurrent loans102.4142%3,475
Noncurrent assets plus other real estate owned to assets1.0669%1,430
Noncurrent loans to loans1.2217%1,448
Net loans and leases to total assets82.9638%569
Net loans and leases to deposits97.8886%912
Net loans and leases to core deposits100.3756%1,682
Total domestic deposits to total assets84.7532%2,923
Equity capital to assets11.2531%2,397
Core capital (leverage) ratio11.3316%2,076
Tier 1 risk-based capital ratio15.7647%2,525
Total risk-based capital ratio17.0155%2,467
Memoranda:
Average total assets$76,133,0004,670
Average earning assets$70,579,6004,656
Average equity$9,284,2004,565
Average total loans$62,945,8004,129
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5513%1,498
Cost of funding earning assets0.6099%1,460
Net interest margin3.9414%1,891
Noninterest income to average assets0.2702%4,576
Noninterest expense to average assets2.3667%4,099
Loan and lease loss provision to assets0.0789%2,507
Net operating income to assets1.4684%961
Return on assets (ROA)1.4649%981
Pretax return on assets1.4719%1,875
Return on Equity (ROE)11.7832%1,402
Retained earnings to average equity (ytd only)3.7819%3,672
Net charge-offs to loans0.0277%2,882
Credit loss provision to net charge-offs346.1538%872
Earnings coverage of net charge-offs (x)68.1650%911
Efficiency ratio60.3579%4,151
Assets per employee ($millions)3.8669%4,212
Cash dividends to net income (ytd only)*67.9038%1,043
Condition Ratios (%)
Loss allowance to loans1.2084%2,886
Loan loss allowance to noncurrent loans104.2161%3,457
Noncurrent assets plus other real estate owned to assets1.0926%1,524
Noncurrent loans to loans1.1595%1,655
Net loans and leases to total assets83.6148%477
Net loans and leases to deposits103.6862%515
Net loans and leases to core deposits105.9838%1,273
Total domestic deposits to total assets80.6421%4,159
Equity capital to assets12.4816%1,667
Core capital (leverage) ratio12.9809%1,215
Tier 1 risk-based capital ratio17.3885%2,039
Total risk-based capital ratio18.6402%1,992
Memoranda:
Average total assets$75,998,2504,712
Average earning assets$70,396,2504,707
Average equity$9,448,2504,582
Average total loans$62,578,2504,168
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5249%1,455
Cost of funding earning assets0.5978%1,467
Net interest margin3.9271%1,845
Noninterest income to average assets0.2832%4,530
Noninterest expense to average assets2.4010%4,048
Loan and lease loss provision to assets0.0794%2,395
Net operating income to assets1.4268%1,005
Return on assets (ROA)1.4215%1,039
Pretax return on assets1.4321%1,891
Return on Equity (ROE)11.4499%1,476
Retained earnings to average equity (ytd only)1.8977%4,491
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2838%4,122
Assets per employee ($millions)3.9158%4,106
Cash dividends to net income (ytd only)*83.4264%772
Condition Ratios (%)
Loss allowance to loans1.2780%2,522
Loan loss allowance to noncurrent loans314.3426%1,519
Noncurrent assets plus other real estate owned to assets0.4113%3,465
Noncurrent loans to loans0.4066%3,567
Net loans and leases to total assets81.9183%677
Net loans and leases to deposits100.4996%702
Net loans and leases to core deposits101.8482%1,523
Total domestic deposits to total assets81.5110%4,041
Equity capital to assets12.7337%1,507
Core capital (leverage) ratio12.8908%1,219
Tier 1 risk-based capital ratio17.9857%1,858
Total risk-based capital ratio19.2369%1,817
Memoranda:
Average total assets$75,551,6704,752
Average earning assets$69,924,6704,749
Average equity$9,380,0004,613
Average total loans$61,618,6704,218
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4541%1,486
Cost of funding earning assets0.5667%1,610
Net interest margin3.8875%1,827
Noninterest income to average assets0.2837%4,517
Noninterest expense to average assets2.3382%4,298
Loan and lease loss provision to assets0.0788%2,238
Net operating income to assets1.4607%874
Return on assets (ROA)1.4607%900
Pretax return on assets1.4712%1,633
Return on Equity (ROE)11.9147%1,264
Retained earnings to average equity (ytd only)2.9144%3,956
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.1351%4,434
Assets per employee ($millions)3.8074%4,335
Cash dividends to net income (ytd only)*75.5396%1,051
Condition Ratios (%)
Loss allowance to loans1.2633%2,739
Loan loss allowance to noncurrent loans288.8060%1,661
Noncurrent assets plus other real estate owned to assets0.3835%3,673
Noncurrent loans to loans0.4374%3,526
Net loans and leases to total assets79.4440%910
Net loans and leases to deposits96.4986%897
Net loans and leases to core deposits97.7444%1,677
Total domestic deposits to total assets82.3265%4,079
Equity capital to assets12.3194%1,649
Core capital (leverage) ratio12.5135%1,335
Tier 1 risk-based capital ratio18.2925%1,782
Total risk-based capital ratio19.5448%1,747
Memoranda:
Average total assets$76,127,0004,791
Average earning assets$70,586,0004,775
Average equity$9,333,0004,654
Average total loans$61,559,5004,256
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5060%1,520
Cost of funding earning assets0.5879%1,429
Net interest margin3.9182%1,911
Noninterest income to average assets0.3056%4,554
Noninterest expense to average assets2.5014%4,002
Loan and lease loss provision to assets0.0808%2,743
Net operating income to assets1.3396%1,121
Return on assets (ROA)1.3409%1,172
Pretax return on assets1.3409%2,136
Return on Equity (ROE)10.3813%1,809
Retained earnings to average equity (ytd only)0.1042%5,271
Net charge-offs to loans-0.0034%4,757
Credit loss provision to net charge-offs-3,000.0000%5,418
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7830%3,978
Assets per employee ($millions)3.8053%4,300
Cash dividends to net income (ytd only)*98.9960%383
Condition Ratios (%)
Loss allowance to loans1.2272%2,956
Loan loss allowance to noncurrent loans364.9038%1,372
Noncurrent assets plus other real estate owned to assets0.3311%3,958
Noncurrent loans to loans0.3363%3,934
Net loans and leases to total assets80.2709%861
Net loans and leases to deposits98.4338%784
Net loans and leases to core deposits99.7127%1,645
Total domestic deposits to total assets81.5481%4,195
Equity capital to assets12.2001%1,684
Core capital (leverage) ratio12.7446%1,235
Tier 1 risk-based capital ratio17.7388%1,929
Total risk-based capital ratio18.9900%1,889
Memoranda:
Average total assets$74,278,4004,845
Average earning assets$68,552,6004,836
Average equity$9,594,2004,649
Average total loans$58,836,0004,336
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5123%1,495
Cost of funding earning assets0.5932%1,385
Net interest margin3.9191%1,910
Noninterest income to average assets0.2962%4,644
Noninterest expense to average assets2.4112%4,256
Loan and lease loss provision to assets0.0813%2,582
Net operating income to assets1.4196%1,028
Return on assets (ROA)1.4214%1,078
Pretax return on assets1.4214%1,962
Return on Equity (ROE)10.8495%1,729
Retained earnings to average equity (ytd only)6.0244%2,173
Net charge-offs to loans-0.0046%4,602
Credit loss provision to net charge-offs-2,250.0000%5,325
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6343%4,291
Assets per employee ($millions)3.5319%4,737
Cash dividends to net income (ytd only)*44.4730%2,157
Condition Ratios (%)
Loss allowance to loans1.2494%2,962
Loan loss allowance to noncurrent loans185.5362%2,380
Noncurrent assets plus other real estate owned to assets0.6000%3,103
Noncurrent loans to loans0.6734%3,007
Net loans and leases to total assets79.2865%995
Net loans and leases to deposits97.8942%863
Net loans and leases to core deposits99.2038%1,710
Total domestic deposits to total assets80.9921%4,247
Equity capital to assets13.3007%1,345
Core capital (leverage) ratio13.4558%1,016
Tier 1 risk-based capital ratio19.3807%1,578
Total risk-based capital ratio20.6318%1,536
Memoranda:
Average total assets$73,821,5004,891
Average earning assets$68,108,5004,884
Average equity$9,671,5004,684
Average total loans$58,082,5004,383
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4401%1,710
Cost of funding earning assets0.5811%1,464
Net interest margin3.8591%2,111
Noninterest income to average assets0.2795%4,784
Noninterest expense to average assets2.4096%4,308
Loan and lease loss provision to assets0.0814%2,509
Net operating income to assets1.3567%1,147
Return on assets (ROA)1.3540%1,227
Pretax return on assets1.3540%2,194
Return on Equity (ROE)10.3883%1,893
Retained earnings to average equity (ytd only)6.0164%2,110
Net charge-offs to loans-0.0069%4,606
Credit loss provision to net charge-offs-1,500.0000%5,163
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6234%4,246
Assets per employee ($millions)3.8595%4,153
Cash dividends to net income (ytd only)*42.0842%2,325
Condition Ratios (%)
Loss allowance to loans1.2439%3,113
Loan loss allowance to noncurrent loans837.9310%689
Noncurrent assets plus other real estate owned to assets0.1705%4,822
Noncurrent loans to loans0.1484%4,840
Net loans and leases to total assets78.9295%1,072
Net loans and leases to deposits95.4422%1,140
Net loans and leases to core deposits96.7003%1,915
Total domestic deposits to total assets82.6988%3,762
Equity capital to assets13.2633%1,346
Core capital (leverage) ratio13.3329%1,045
Tier 1 risk-based capital ratio19.3151%1,623
Total risk-based capital ratio20.5671%1,583
Memoranda:
Average total assets$73,705,6704,940
Average earning assets$68,151,0004,932
Average equity$9,607,0004,724
Average total loans$57,593,3304,418
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3721%1,887
Cost of funding earning assets0.5837%1,455
Net interest margin3.7884%2,333
Noninterest income to average assets0.2544%4,923
Noninterest expense to average assets2.1923%4,918
Loan and lease loss provision to assets0.0812%2,335
Net operating income to assets1.4940%867
Return on assets (ROA)1.4940%909
Pretax return on assets1.4940%1,616
Return on Equity (ROE)11.5632%1,437
Retained earnings to average equity (ytd only)11.5632%565
Net charge-offs to loans0.0280%2,378
Credit loss provision to net charge-offs375.0000%738
Earnings coverage of net charge-offs (x)72.7500%675
Efficiency ratio58.1897%4,972
Assets per employee ($millions)4.0624%3,840
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2336%3,287
Loan loss allowance to noncurrent loans1,056.7164%556
Noncurrent assets plus other real estate owned to assets0.1436%5,001
Noncurrent loans to loans0.1167%5,012
Net loans and leases to total assets77.5204%1,162
Net loans and leases to deposits92.4158%1,294
Net loans and leases to core deposits93.8510%2,002
Total domestic deposits to total assets83.8822%3,565
Equity capital to assets13.2583%1,288
Core capital (leverage) ratio13.1628%1,098
Tier 1 risk-based capital ratio19.7730%1,552
Total risk-based capital ratio21.0239%1,520
Memoranda:
Average total assets$73,893,5004,979
Average earning assets$68,525,0004,966
Average equity$9,547,5004,752
Average total loans$57,086,0004,469
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6278%1,263
Cost of funding earning assets0.5432%1,823
Net interest margin4.0846%1,448
Noninterest income to average assets0.2235%5,263
Noninterest expense to average assets2.5043%4,212
Loan and lease loss provision to assets0.0833%2,627
Net operating income to assets1.4354%970
Return on assets (ROA)1.4354%1,001
Pretax return on assets1.4354%1,768
Return on Equity (ROE)10.7070%1,724
Retained earnings to average equity (ytd only)-3.4275%5,844
Net charge-offs to loans0.5236%488
Credit loss provision to net charge-offs20.2703%3,746
Earnings coverage of net charge-offs (x)3.6959%3,677
Efficiency ratio62.2498%4,561
Assets per employee ($millions)4.3919%3,230
Cash dividends to net income (ytd only)*132.0116%204
Condition Ratios (%)
Loss allowance to loans1.2276%3,306
Loan loss allowance to noncurrent loans749.4624%773
Noncurrent assets plus other real estate owned to assets0.1755%4,902
Noncurrent loans to loans0.1638%4,835
Net loans and leases to total assets75.1122%1,550
Net loans and leases to deposits88.7540%1,779
Net loans and leases to core deposits90.0871%2,396
Total domestic deposits to total assets84.6296%3,243
Equity capital to assets12.5899%1,575
Core capital (leverage) ratio12.7766%1,233
Tier 1 risk-based capital ratio19.5419%1,577
Total risk-based capital ratio20.7937%1,544
Memoranda:
Average total assets$72,037,2005,043
Average earning assets$67,007,4005,017
Average equity$9,657,2004,719
Average total loans$56,526,4004,483
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5005%1,594
Cost of funding earning assets0.5355%1,926
Net interest margin3.9650%1,825
Noninterest income to average assets0.2129%5,375
Noninterest expense to average assets2.5160%4,141
Loan and lease loss provision to assets0.0841%2,492
Net operating income to assets1.3056%1,325
Return on assets (ROA)1.3056%1,376
Pretax return on assets1.3056%2,376
Return on Equity (ROE)9.5868%2,277
Retained earnings to average equity (ytd only)2.1121%4,826
Net charge-offs to loans0.6942%308
Credit loss provision to net charge-offs15.3061%3,399
Earnings coverage of net charge-offs (x)2.5306%3,656
Efficiency ratio64.4189%4,168
Assets per employee ($millions)4.2808%3,355
Cash dividends to net income (ytd only)*77.9684%795
Condition Ratios (%)
Loss allowance to loans1.1718%3,803
Loan loss allowance to noncurrent loans116.9231%3,337
Noncurrent assets plus other real estate owned to assets0.8561%2,742
Noncurrent loans to loans1.0022%2,478
Net loans and leases to total assets79.2673%913
Net loans and leases to deposits96.7367%933
Net loans and leases to core deposits98.2726%1,671
Total domestic deposits to total assets81.9414%4,181
Equity capital to assets13.5996%1,180
Core capital (leverage) ratio13.7605%923
Tier 1 risk-based capital ratio20.1363%1,507
Total risk-based capital ratio21.3874%1,483
Memoranda:
Average total assets$71,380,7505,119
Average earning assets$66,479,5005,090
Average equity$9,721,5004,764
Average total loans$56,463,5004,530
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4636%1,645
Cost of funding earning assets0.5218%2,055
Net interest margin3.9419%1,850
Noninterest income to average assets0.1805%5,613
Noninterest expense to average assets2.4451%4,411
Loan and lease loss provision to assets0.0846%2,426
Net operating income to assets1.3368%1,224
Return on assets (ROA)1.3368%1,269
Pretax return on assets1.3368%2,221
Return on Equity (ROE)9.8106%2,154
Retained earnings to average equity (ytd only)-1.4695%5,766
Net charge-offs to loans-0.0251%5,250
Credit loss provision to net charge-offs-428.5714%5,178
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.2385%4,476
Assets per employee ($millions)3.8273%4,210
Cash dividends to net income (ytd only)*114.9789%351
Condition Ratios (%)
Loss allowance to loans1.6910%1,623
Loan loss allowance to noncurrent loans119.0184%3,296
Noncurrent assets plus other real estate owned to assets1.1730%2,163
Noncurrent loans to loans1.4208%1,887
Net loans and leases to total assets77.5506%1,130
Net loans and leases to deposits94.1689%1,134
Net loans and leases to core deposits95.2473%1,860
Total domestic deposits to total assets82.3526%4,170
Equity capital to assets13.2565%1,273
Core capital (leverage) ratio13.9588%850
Tier 1 risk-based capital ratio19.8211%1,593
Total risk-based capital ratio21.0793%1,549
Memoranda:
Average total assets$70,916,3305,186
Average earning assets$66,314,0005,146
Average equity$9,663,0004,807
Average total loans$55,828,0004,590
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5002%1,459
Cost of funding earning assets0.5309%2,008
Net interest margin3.9693%1,655
Noninterest income to average assets0.2114%5,441
Noninterest expense to average assets2.4738%4,352
Loan and lease loss provision to assets0.0857%2,263
Net operating income to assets1.4111%1,014
Return on assets (ROA)1.4111%1,070
Pretax return on assets1.4111%1,853
Return on Equity (ROE)10.1323%1,942
Retained earnings to average equity (ytd only)-9.8862%6,132
Net charge-offs to loans-0.0581%5,598
Credit loss provision to net charge-offs-187.5000%4,593
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3022%4,751
Assets per employee ($millions)3.6741%4,569
Cash dividends to net income (ytd only)*197.5709%231
Condition Ratios (%)
Loss allowance to loans1.7425%1,629
Loan loss allowance to noncurrent loans44.4238%5,170
Noncurrent assets plus other real estate owned to assets3.2332%547
Noncurrent loans to loans3.9224%450
Net loans and leases to total assets77.2247%1,027
Net loans and leases to deposits89.7048%1,421
Net loans and leases to core deposits90.7253%2,062
Total domestic deposits to total assets86.0876%2,897
Equity capital to assets13.8193%1,048
Core capital (leverage) ratio13.8919%857
Tier 1 risk-based capital ratio21.4719%1,333
Total risk-based capital ratio22.7324%1,302
Memoranda:
Average total assets$70,015,0005,256
Average earning assets$66,308,5005,190
Average equity$9,751,0004,834
Average total loans$55,060,0004,641
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5027%1,851
Cost of funding earning assets0.6093%1,684
Net interest margin3.8934%2,267
Noninterest income to average assets0.2226%5,533
Noninterest expense to average assets2.5818%4,288
Loan and lease loss provision to assets0.0879%2,712
Net operating income to assets1.2008%1,584
Return on assets (ROA)1.2008%1,641
Pretax return on assets1.2023%2,642
Return on Equity (ROE)8.6144%2,780
Retained earnings to average equity (ytd only)1.6073%5,018
Net charge-offs to loans0.0095%4,720
Credit loss provision to net charge-offs1,200.0000%237
Earnings coverage of net charge-offs (x)176.2000%305
Efficiency ratio66.6793%4,116
Assets per employee ($millions)3.6959%4,534
Cash dividends to net income (ytd only)*81.3415%858
Condition Ratios (%)
Loss allowance to loans1.6885%1,804
Loan loss allowance to noncurrent loans40.2676%5,372
Noncurrent assets plus other real estate owned to assets3.4491%539
Noncurrent loans to loans4.1933%418
Net loans and leases to total assets77.3575%1,092
Net loans and leases to deposits90.0638%1,515
Net loans and leases to core deposits90.4763%2,233
Total domestic deposits to total assets85.8919%2,900
Equity capital to assets14.0341%939
Core capital (leverage) ratio14.1630%773
Tier 1 risk-based capital ratio21.8311%1,249
Total risk-based capital ratio23.0910%1,224
Memoranda:
Average total assets$68,285,0005,338
Average earning assets$64,005,4005,277
Average equity$9,519,0004,860
Average total loans$52,770,8004,733
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5206%1,795
Cost of funding earning assets0.6335%1,572
Net interest margin3.8871%2,294
Noninterest income to average assets0.2202%5,615
Noninterest expense to average assets2.5151%4,480
Loan and lease loss provision to assets0.0885%2,586
Net operating income to assets1.2468%1,535
Return on assets (ROA)1.2468%1,589
Pretax return on assets1.2487%2,579
Return on Equity (ROE)8.9593%2,711
Retained earnings to average equity (ytd only)0.7348%5,583
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2884%4,325
Assets per employee ($millions)3.4027%5,042
Cash dividends to net income (ytd only)*91.7983%486
Condition Ratios (%)
Loss allowance to loans1.7390%1,857
Loan loss allowance to noncurrent loans42.9502%5,359
Noncurrent assets plus other real estate owned to assets3.3121%664
Noncurrent loans to loans4.0488%515
Net loans and leases to total assets76.6388%1,144
Net loans and leases to deposits91.8384%1,246
Net loans and leases to core deposits92.7794%1,973
Total domestic deposits to total assets83.4497%3,972
Equity capital to assets13.9759%1,015
Core capital (leverage) ratio14.3996%748
Tier 1 risk-based capital ratio22.6220%1,171
Total risk-based capital ratio23.8835%1,151
Memoranda:
Average total assets$67,800,7505,408
Average earning assets$63,352,7505,358
Average equity$9,435,0004,910
Average total loans$52,149,7504,788
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5055%1,810
Cost of funding earning assets0.6432%1,566
Net interest margin3.8623%2,318
Noninterest income to average assets0.2245%5,598
Noninterest expense to average assets2.4957%4,587
Loan and lease loss provision to assets0.0886%2,551
Net operating income to assets1.2375%1,486
Return on assets (ROA)1.2375%1,548
Pretax return on assets1.2405%2,498
Return on Equity (ROE)8.9057%2,635
Retained earnings to average equity (ytd only)-1.4666%5,925
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2510%4,477
Assets per employee ($millions)3.6148%4,627
Cash dividends to net income (ytd only)*116.4678%386
Condition Ratios (%)
Loss allowance to loans1.7281%2,041
Loan loss allowance to noncurrent loans40.3735%5,484
Noncurrent assets plus other real estate owned to assets3.4318%689
Noncurrent loans to loans4.2803%526
Net loans and leases to total assets75.1798%1,282
Net loans and leases to deposits89.0581%1,473
Net loans and leases to core deposits89.9486%2,132
Total domestic deposits to total assets84.4166%3,763
Equity capital to assets13.6688%1,096
Core capital (leverage) ratio14.3406%745
Tier 1 risk-based capital ratio22.2748%1,221
Total risk-based capital ratio23.5347%1,201
Memoranda:
Average total assets$67,716,6705,456
Average earning assets$63,123,3305,416
Average equity$9,409,6704,932
Average total loans$51,840,3304,833
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6214%1,451
Cost of funding earning assets0.6638%1,486
Net interest margin3.9575%1,900
Noninterest income to average assets0.2380%5,457
Noninterest expense to average assets2.5404%4,474
Loan and lease loss provision to assets0.0892%2,427
Net operating income to assets1.2910%1,241
Return on assets (ROA)1.2910%1,287
Pretax return on assets1.2970%2,106
Return on Equity (ROE)9.2139%2,369
Retained earnings to average equity (ytd only)-7.1334%6,251
Net charge-offs to loans0.0078%3,483
Credit loss provision to net charge-offs1,500.0000%212
Earnings coverage of net charge-offs (x)233.0000%214
Efficiency ratio64.6970%4,747
Assets per employee ($millions)3.5222%4,878
Cash dividends to net income (ytd only)*177.4194%305
Condition Ratios (%)
Loss allowance to loans1.7403%2,220
Loan loss allowance to noncurrent loans82.0607%4,116
Noncurrent assets plus other real estate owned to assets1.7857%1,968
Noncurrent loans to loans2.1208%1,733
Net loans and leases to total assets75.2563%1,095
Net loans and leases to deposits89.6187%1,195
Net loans and leases to core deposits90.5402%1,869
Total domestic deposits to total assets83.9739%4,286
Equity capital to assets14.0357%909
Core capital (leverage) ratio14.1937%759
Tier 1 risk-based capital ratio22.5215%1,207
Total risk-based capital ratio23.7827%1,183
Memoranda:
Average total assets$67,234,0005,523
Average earning assets$62,665,5005,484
Average equity$9,420,5004,954
Average total loans$51,489,0004,883
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7589%1,413
Cost of funding earning assets0.7347%1,599
Net interest margin4.0243%1,883
Noninterest income to average assets0.2778%5,366
Noninterest expense to average assets2.5021%4,758
Loan and lease loss provision to assets0.0873%3,359
Net operating income to assets1.4329%958
Return on assets (ROA)1.4329%992
Pretax return on assets1.4416%1,648
Return on Equity (ROE)10.4774%1,930
Retained earnings to average equity (ytd only)2.9358%4,151
Net charge-offs to loans0.0153%5,137
Credit loss provision to net charge-offs750.0000%328
Earnings coverage of net charge-offs (x)131.3750%352
Efficiency ratio62.0715%5,198
Assets per employee ($millions)3.3773%5,141
Cash dividends to net income (ytd only)*71.9797%1,240
Condition Ratios (%)
Loss allowance to loans1.6975%2,410
Loan loss allowance to noncurrent loans86.0784%4,001
Noncurrent assets plus other real estate owned to assets1.6700%2,211
Noncurrent loans to loans1.9720%2,023
Net loans and leases to total assets75.2746%1,191
Net loans and leases to deposits89.7434%1,258
Net loans and leases to core deposits90.6554%1,943
Total domestic deposits to total assets83.8777%4,211
Equity capital to assets13.9875%901
Core capital (leverage) ratio14.4006%715
Tier 1 risk-based capital ratio22.6619%1,151
Total risk-based capital ratio23.9208%1,129
Memoranda:
Average total assets$68,742,8005,515
Average earning assets$64,111,2005,462
Average equity$9,401,2005,001
Average total loans$52,119,6004,885
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7542%1,466
Cost of funding earning assets0.7555%1,567
Net interest margin3.9988%1,947
Noninterest income to average assets0.3013%5,290
Noninterest expense to average assets2.4661%4,817
Loan and lease loss provision to assets0.0869%3,320
Net operating income to assets1.4715%947
Return on assets (ROA)1.4715%998
Pretax return on assets1.4792%1,670
Return on Equity (ROE)10.8203%1,884
Retained earnings to average equity (ytd only)2.0874%5,076
Net charge-offs to loans-0.0077%5,841
Credit loss provision to net charge-offs-1,500.0000%6,241
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1590%5,249
Assets per employee ($millions)3.2269%5,440
Cash dividends to net income (ytd only)*80.7091%761
Condition Ratios (%)
Loss allowance to loans1.6821%2,683
Loan loss allowance to noncurrent loans86.5347%3,862
Noncurrent assets plus other real estate owned to assets1.6498%2,495
Noncurrent loans to loans1.9439%2,313
Net loans and leases to total assets75.3852%1,082
Net loans and leases to deposits91.2671%1,039
Net loans and leases to core deposits92.2027%1,754
Total domestic deposits to total assets82.5984%4,718
Equity capital to assets13.8422%1,007
Core capital (leverage) ratio14.1036%845
Tier 1 risk-based capital ratio21.9880%1,320
Total risk-based capital ratio23.2461%1,305
Memoranda:
Average total assets$69,042,0005,565
Average earning assets$64,418,2505,513
Average equity$9,389,5005,059
Average total loans$52,218,7504,915
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7413%1,462
Cost of funding earning assets0.7598%1,647
Net interest margin3.9814%1,928
Noninterest income to average assets0.3196%5,150
Noninterest expense to average assets2.4069%5,035
Loan and lease loss provision to assets0.0864%3,352
Net operating income to assets1.5288%855
Return on assets (ROA)1.5288%922
Pretax return on assets1.5374%1,519
Return on Equity (ROE)11.3067%1,719
Retained earnings to average equity (ytd only)0.7666%5,595
Net charge-offs to loans-0.0038%5,591
Credit loss provision to net charge-offs-3,000.0000%6,178
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7143%5,520
Assets per employee ($millions)3.2964%5,270
Cash dividends to net income (ytd only)*93.2203%626
Condition Ratios (%)
Loss allowance to loans1.6642%2,924
Loan loss allowance to noncurrent loans85.5289%3,855
Noncurrent assets plus other real estate owned to assets1.6035%2,710
Noncurrent loans to loans1.9458%2,459
Net loans and leases to total assets73.1509%1,382
Net loans and leases to deposits88.2533%1,310
Net loans and leases to core deposits89.1075%1,997
Total domestic deposits to total assets82.8874%4,745
Equity capital to assets13.3595%1,196
Core capital (leverage) ratio13.7211%907
Tier 1 risk-based capital ratio20.9310%1,507
Total risk-based capital ratio22.1886%1,482
Memoranda:
Average total assets$69,468,0005,587
Average earning assets$64,750,6705,537
Average equity$9,392,6705,085
Average total loans$52,305,6704,940
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7523%1,398
Cost of funding earning assets0.7643%1,754
Net interest margin3.9880%1,836
Noninterest income to average assets0.3276%5,086
Noninterest expense to average assets2.5004%4,751
Loan and lease loss provision to assets0.0862%3,222
Net operating income to assets1.4542%950
Return on assets (ROA)1.4542%1,027
Pretax return on assets1.4600%1,682
Return on Equity (ROE)10.6920%1,798
Retained earnings to average equity (ytd only)0.1268%5,739
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7898%5,334
Assets per employee ($millions)3.4545%5,076
Cash dividends to net income (ytd only)*98.8142%661
Condition Ratios (%)
Loss allowance to loans1.6158%3,333
Loan loss allowance to noncurrent loans83.9321%3,822
Noncurrent assets plus other real estate owned to assets1.6066%2,853
Noncurrent loans to loans1.9252%2,707
Net loans and leases to total assets74.1160%1,060
Net loans and leases to deposits89.7501%993
Net loans and leases to core deposits90.6237%1,648
Total domestic deposits to total assets82.5804%4,997
Equity capital to assets13.6954%1,137
Core capital (leverage) ratio13.6907%877
Tier 1 risk-based capital ratio20.8258%1,577
Total risk-based capital ratio22.0839%1,548
Memoranda:
Average total assets$69,590,0005,640
Average earning assets$64,894,5005,584
Average equity$9,465,0005,119
Average total loans$52,711,0004,957
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1731%1,166
Cost of funding earning assets1.1206%842
Net interest margin4.0525%2,185
Noninterest income to average assets0.3856%4,719
Noninterest expense to average assets2.3778%5,477
Loan and lease loss provision to assets0.0857%4,631
Net operating income to assets1.6737%650
Return on assets (ROA)1.6737%729
Pretax return on assets1.6766%1,193
Return on Equity (ROE)12.7176%1,307
Retained earnings to average equity (ytd only)5.1218%2,620
Net charge-offs to loans-0.0018%6,325
Credit loss provision to net charge-offs-6,000.0000%6,682
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4336%5,905
Assets per employee ($millions)3.5046%4,995
Cash dividends to net income (ytd only)*59.7270%1,815
Condition Ratios (%)
Loss allowance to loans1.5475%3,534
Loan loss allowance to noncurrent loans75.0909%4,089
Noncurrent assets plus other real estate owned to assets1.5694%3,033
Noncurrent loans to loans2.0609%2,626
Net loans and leases to total assets74.9725%1,054
Net loans and leases to deposits90.5299%1,024
Net loans and leases to core deposits90.9215%1,728
Total domestic deposits to total assets82.8152%4,793
Equity capital to assets13.5082%1,225
Core capital (leverage) ratio13.6894%888
Tier 1 risk-based capital ratio20.1750%1,634
Total risk-based capital ratio21.4322%1,609
Memoranda:
Average total assets$70,024,0005,629
Average earning assets$64,873,8005,588
Average equity$9,215,6005,167
Average total loans$54,222,8004,929
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2340%1,132
Cost of funding earning assets1.1992%693
Net interest margin4.0349%2,360
Noninterest income to average assets0.3028%5,362
Noninterest expense to average assets2.5159%5,030
Loan and lease loss provision to assets0.0857%4,532
Net operating income to assets1.4417%1,140
Return on assets (ROA)1.4417%1,262
Pretax return on assets1.4436%2,099
Return on Equity (ROE)11.0277%1,949
Retained earnings to average equity (ytd only)3.3797%4,490
Net charge-offs to loans0.0196%5,395
Credit loss provision to net charge-offs562.5000%465
Earnings coverage of net charge-offs (x)100.3411%424
Efficiency ratio62.1940%5,123
Assets per employee ($millions)3.3148%5,409
Cash dividends to net income (ytd only)*69.3523%944
Condition Ratios (%)
Loss allowance to loans1.4875%4,008
Loan loss allowance to noncurrent loans86.3294%3,640
Noncurrent assets plus other real estate owned to assets2.4666%2,143
Noncurrent loans to loans1.7231%3,206
Net loans and leases to total assets76.3008%923
Net loans and leases to deposits92.0056%970
Net loans and leases to core deposits94.7533%1,510
Total domestic deposits to total assets82.9306%4,665
Equity capital to assets13.2869%1,449
Core capital (leverage) ratio13.2211%1,099
Tier 1 risk-based capital ratio18.9340%2,032
Total risk-based capital ratio20.1893%1,996
Memoranda:
Average total assets$70,007,2505,700
Average earning assets$64,932,2505,642
Average equity$9,152,5005,230
Average total loans$54,434,7504,975
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2780%1,095
Cost of funding earning assets1.2317%708
Net interest margin4.0463%2,311
Noninterest income to average assets0.2538%5,765
Noninterest expense to average assets2.5321%5,027
Loan and lease loss provision to assets0.0855%4,516
Net operating income to assets1.3801%1,233
Return on assets (ROA)1.3801%1,384
Pretax return on assets1.3830%2,268
Return on Equity (ROE)10.6137%2,127
Retained earnings to average equity (ytd only)1.7324%5,328
Net charge-offs to loans0.0220%5,093
Credit loss provision to net charge-offs500.0000%597
Earnings coverage of net charge-offs (x)85.8333%479
Efficiency ratio63.2929%5,029
Assets per employee ($millions)3.6745%4,579
Cash dividends to net income (ytd only)*83.6777%716
Condition Ratios (%)
Loss allowance to loans1.4224%4,374
Loan loss allowance to noncurrent loans95.5206%3,321
Noncurrent assets plus other real estate owned to assets2.3261%2,402
Noncurrent loans to loans1.4891%3,673
Net loans and leases to total assets78.3213%689
Net loans and leases to deposits96.1812%620
Net loans and leases to core deposits99.0777%1,166
Total domestic deposits to total assets81.4309%5,319
Equity capital to assets13.0201%1,508
Core capital (leverage) ratio13.0174%1,145
Tier 1 risk-based capital ratio18.2461%2,212
Total risk-based capital ratio19.5003%2,181
Memoranda:
Average total assets$70,139,6705,730
Average earning assets$64,948,6705,676
Average equity$9,120,3305,233
Average total loans$54,608,0005,003
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2831%1,134
Cost of funding earning assets1.2684%726
Net interest margin4.0147%2,441
Noninterest income to average assets0.4324%4,435
Noninterest expense to average assets2.4523%5,310
Loan and lease loss provision to assets0.0853%4,314
Net operating income to assets1.5988%865
Return on assets (ROA)1.5988%968
Pretax return on assets1.6045%1,557
Return on Equity (ROE)12.3037%1,580
Retained earnings to average equity (ytd only)3.9845%4,191
Net charge-offs to loans0.0148%4,486
Credit loss provision to net charge-offs750.0000%449
Earnings coverage of net charge-offs (x)148.5000%246
Efficiency ratio59.2033%5,742
Assets per employee ($millions)3.4841%5,151
Cash dividends to net income (ytd only)*67.6157%1,032
Condition Ratios (%)
Loss allowance to loans1.4353%4,445
Loan loss allowance to noncurrent loans94.1889%3,221
Noncurrent assets plus other real estate owned to assets2.5818%2,291
Noncurrent loans to loans1.5239%3,833
Net loans and leases to total assets76.6708%731
Net loans and leases to deposits94.1426%651
Net loans and leases to core deposits97.4038%1,173
Total domestic deposits to total assets81.4411%5,484
Equity capital to assets13.0308%1,430
Core capital (leverage) ratio12.8334%1,192
Tier 1 risk-based capital ratio18.6030%2,111
Total risk-based capital ratio19.8576%2,077
Memoranda:
Average total assets$70,302,0005,759
Average earning assets$64,961,5005,722
Average equity$9,135,5005,250
Average total loans$54,177,5005,060
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5075%1,159
Cost of funding earning assets1.4606%829
Net interest margin4.0469%2,647
Noninterest income to average assets0.2981%5,393
Noninterest expense to average assets2.4576%5,613
Loan and lease loss provision to assets0.1854%4,339
Net operating income to assets1.4149%997
Return on assets (ROA)1.4149%1,076
Pretax return on assets1.4292%1,687
Return on Equity (ROE)11.0279%1,692
Retained earnings to average equity (ytd only)0.9227%5,431
Net charge-offs to loans0.0650%5,653
Credit loss provision to net charge-offs361.1111%640
Earnings coverage of net charge-offs (x)31.4444%815
Efficiency ratio60.3503%5,698
Assets per employee ($millions)3.5462%4,900
Cash dividends to net income (ytd only)*91.6331%492
Condition Ratios (%)
Loss allowance to loans1.4127%4,399
Loan loss allowance to noncurrent loans92.6150%3,246
Noncurrent assets plus other real estate owned to assets2.5366%2,396
Noncurrent loans to loans1.5253%3,863
Net loans and leases to total assets75.2746%1,055
Net loans and leases to deposits92.2215%950
Net loans and leases to core deposits95.7425%1,523
Total domestic deposits to total assets81.6237%5,260
Equity capital to assets12.9591%1,508
Core capital (leverage) ratio12.9010%1,180
Tier 1 risk-based capital ratio18.3023%2,105
Total risk-based capital ratio19.5552%2,067
Memoranda:
Average total assets$70,108,6005,735
Average earning assets$65,383,6005,688
Average equity$8,995,4005,277
Average total loans$55,413,6005,055
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5287%1,188
Cost of funding earning assets1.4991%864
Net interest margin4.0296%2,783
Noninterest income to average assets0.2708%5,677
Noninterest expense to average assets2.4433%5,651
Loan and lease loss provision to assets0.2193%3,820
Net operating income to assets1.3580%1,246
Return on assets (ROA)1.3580%1,328
Pretax return on assets1.3713%2,034
Return on Equity (ROE)10.6110%1,988
Retained earnings to average equity (ytd only)-0.3278%6,039
Net charge-offs to loans0.0837%5,139
Credit loss provision to net charge-offs328.5714%853
Earnings coverage of net charge-offs (x)23.8262%1,100
Efficiency ratio60.5674%5,627
Assets per employee ($millions)3.5015%4,995
Cash dividends to net income (ytd only)*103.0896%277
Condition Ratios (%)
Loss allowance to loans1.3300%4,874
Loan loss allowance to noncurrent loans47.5016%5,161
Noncurrent assets plus other real estate owned to assets2.5075%2,578
Noncurrent loans to loans2.7998%2,485
Net loans and leases to total assets79.5628%555
Net loans and leases to deposits97.7405%588
Net loans and leases to core deposits101.0501%1,158
Total domestic deposits to total assets81.4020%5,295
Equity capital to assets12.9689%1,627
Core capital (leverage) ratio12.6238%1,380
Tier 1 risk-based capital ratio17.7726%2,343
Total risk-based capital ratio19.0255%2,310
Memoranda:
Average total assets$69,905,0005,784
Average earning assets$65,281,7505,735
Average equity$8,946,5005,325
Average total loans$55,729,0005,084
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4685%1,368
Cost of funding earning assets1.5248%923
Net interest margin3.9437%3,110
Noninterest income to average assets0.2777%5,662
Noninterest expense to average assets2.4448%5,715
Loan and lease loss provision to assets0.2863%3,093
Net operating income to assets1.2224%1,506
Return on assets (ROA)1.2224%1,585
Pretax return on assets1.2338%2,359
Return on Equity (ROE)9.5941%2,272
Retained earnings to average equity (ytd only)-3.3029%6,406
Net charge-offs to loans-0.0072%6,631
Credit loss provision to net charge-offs-5,000.0000%6,772
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6606%5,634
Assets per employee ($millions)3.5293%4,863
Cash dividends to net income (ytd only)*134.4262%237
Condition Ratios (%)
Loss allowance to loans1.3749%4,703
Loan loss allowance to noncurrent loans46.4264%5,231
Noncurrent assets plus other real estate owned to assets2.6068%2,555
Noncurrent loans to loans2.9614%2,451
Net loans and leases to total assets78.5592%699
Net loans and leases to deposits98.5533%562
Net loans and leases to core deposits100.9834%1,259
Total domestic deposits to total assets79.7124%5,898
Equity capital to assets12.6542%1,705
Core capital (leverage) ratio12.5324%1,343
Tier 1 risk-based capital ratio17.5901%2,308
Total risk-based capital ratio18.8439%2,275
Memoranda:
Average total assets$69,863,6705,832
Average earning assets$65,319,0005,778
Average equity$8,901,3305,350
Average total loans$55,482,6705,152
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4130%1,518
Cost of funding earning assets1.5650%935
Net interest margin3.8480%3,380
Noninterest income to average assets0.2878%5,615
Noninterest expense to average assets2.4690%5,675
Loan and lease loss provision to assets0.0863%4,926
Net operating income to assets1.3352%1,186
Return on assets (ROA)1.3352%1,234
Pretax return on assets1.3409%1,910
Return on Equity (ROE)10.4434%1,936
Retained earnings to average equity (ytd only)-8.1927%6,764
Net charge-offs to loans-0.0145%6,467
Credit loss provision to net charge-offs-750.0000%6,045
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3678%5,463
Assets per employee ($millions)3.6534%4,645
Cash dividends to net income (ytd only)*178.4483%243
Condition Ratios (%)
Loss allowance to loans1.2403%5,443
Loan loss allowance to noncurrent loans50.1092%5,007
Noncurrent assets plus other real estate owned to assets2.4102%2,824
Noncurrent loans to loans2.4751%3,021
Net loans and leases to total assets78.9236%627
Net loans and leases to deposits99.5729%495
Net loans and leases to core deposits101.6005%1,225
Total domestic deposits to total assets79.2621%6,129
Equity capital to assets12.6905%1,525
Core capital (leverage) ratio12.4441%1,351
Tier 1 risk-based capital ratio17.7389%2,203
Total risk-based capital ratio18.9899%2,168
Memoranda:
Average total assets$69,503,0005,876
Average earning assets$65,177,0005,822
Average equity$8,886,0005,362
Average total loans$55,112,0005,208
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8158%1,236
Cost of funding earning assets1.7954%1,188
Net interest margin4.0204%2,922
Noninterest income to average assets0.3431%5,339
Noninterest expense to average assets2.3395%6,245
Loan and lease loss provision to assets0.0851%6,299
Net operating income to assets1.6816%538
Return on assets (ROA)1.6816%577
Pretax return on assets1.6873%971
Return on Equity (ROE)13.6841%947
Retained earnings to average equity (ytd only)6.4151%1,609
Net charge-offs to loans0.1286%5,619
Credit loss provision to net charge-offs81.0811%5,522
Earnings coverage of net charge-offs (x)16.8919%1,183
Efficiency ratio56.8966%6,473
Assets per employee ($millions)3.6627%4,540
Cash dividends to net income (ytd only)*53.1197%1,929
Condition Ratios (%)
Loss allowance to loans1.2255%5,389
Loan loss allowance to noncurrent loans86.8047%3,294
Noncurrent assets plus other real estate owned to assets1.5418%4,000
Noncurrent loans to loans1.4118%4,362
Net loans and leases to total assets77.7115%988
Net loans and leases to deposits97.7674%737
Net loans and leases to core deposits99.7271%1,644
Total domestic deposits to total assets79.4861%5,973
Equity capital to assets12.8794%1,448
Core capital (leverage) ratio12.4997%1,318
Tier 1 risk-based capital ratio18.2339%1,928
Total risk-based capital ratio19.4855%1,888
Memoranda:
Average total assets$70,527,6005,868
Average earning assets$66,113,2005,794
Average equity$8,667,0005,510
Average total loans$57,563,8005,180
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8330%1,301
Cost of funding earning assets1.8304%1,301
Net interest margin4.0027%3,098
Noninterest income to average assets0.2902%5,801
Noninterest expense to average assets2.2441%6,478
Loan and lease loss provision to assets0.0848%6,190
Net operating income to assets1.7052%615
Return on assets (ROA)1.7052%669
Pretax return on assets1.7109%1,092
Return on Equity (ROE)14.0421%1,026
Retained earnings to average equity (ytd only)4.3135%3,465
Net charge-offs to loans0.1739%4,922
Credit loss provision to net charge-offs59.2105%5,714
Earnings coverage of net charge-offs (x)12.5395%1,673
Efficiency ratio55.5504%6,619
Assets per employee ($millions)3.5783%4,782
Cash dividends to net income (ytd only)*69.2816%922
Condition Ratios (%)
Loss allowance to loans1.1262%5,830
Loan loss allowance to noncurrent loans50.5019%4,920
Noncurrent assets plus other real estate owned to assets1.9842%3,488
Noncurrent loans to loans2.2300%3,414
Net loans and leases to total assets80.2320%710
Net loans and leases to deposits100.0906%654
Net loans and leases to core deposits102.0021%1,654
Total domestic deposits to total assets80.1593%5,652
Equity capital to assets12.3538%1,938
Core capital (leverage) ratio12.2968%1,511
Tier 1 risk-based capital ratio16.6779%2,469
Total risk-based capital ratio17.9287%2,432
Memoranda:
Average total assets$70,761,5005,924
Average earning assets$66,287,5005,855
Average equity$8,593,0005,605
Average total loans$58,266,7505,218
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8341%1,336
Cost of funding earning assets1.8639%1,358
Net interest margin3.9702%3,158
Noninterest income to average assets0.2355%6,222
Noninterest expense to average assets2.2300%6,570
Loan and lease loss provision to assets0.0851%6,075
Net operating income to assets1.6314%678
Return on assets (ROA)1.6314%729
Pretax return on assets1.6370%1,194
Return on Equity (ROE)13.5130%1,138
Retained earnings to average equity (ytd only)1.6451%5,049
Net charge-offs to loans0.2194%4,284
Credit loss provision to net charge-offs46.8750%5,485
Earnings coverage of net charge-offs (x)9.4844%2,016
Efficiency ratio56.4250%6,582
Assets per employee ($millions)3.6969%4,478
Cash dividends to net income (ytd only)*87.8261%606
Condition Ratios (%)
Loss allowance to loans1.1130%5,883
Loan loss allowance to noncurrent loans51.3812%4,877
Noncurrent assets plus other real estate owned to assets1.9817%3,515
Noncurrent loans to loans2.1662%3,510
Net loans and leases to total assets82.3436%502
Net loans and leases to deposits102.3572%574
Net loans and leases to core deposits104.3234%1,613
Total domestic deposits to total assets80.4473%5,576
Equity capital to assets12.1909%1,982
Core capital (leverage) ratio12.0410%1,619
Tier 1 risk-based capital ratio17.0064%2,279
Total risk-based capital ratio18.2567%2,229
Memoranda:
Average total assets$70,493,6705,962
Average earning assets$65,991,0005,901
Average equity$8,510,3305,633
Average total loans$58,331,6705,258
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7729%1,547
Cost of funding earning assets1.8839%1,513
Net interest margin3.8890%3,378
Noninterest income to average assets0.1926%6,589
Noninterest expense to average assets2.2656%6,494
Loan and lease loss provision to assets0.0850%5,787
Net operating income to assets1.4727%939
Return on assets (ROA)1.4727%1,007
Pretax return on assets1.4783%1,575
Return on Equity (ROE)12.2584%1,426
Retained earnings to average equity (ytd only)-2.3574%6,267
Net charge-offs to loans-0.0275%7,163
Credit loss provision to net charge-offs-375.0000%6,213
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1716%6,310
Assets per employee ($millions)3.4722%5,094
Cash dividends to net income (ytd only)*119.2308%444
Condition Ratios (%)
Loss allowance to loans1.2106%5,448
Loan loss allowance to noncurrent loans46.6844%5,231
Noncurrent assets plus other real estate owned to assets2.3515%3,087
Noncurrent loans to loans2.5931%3,078
Net loans and leases to total assets82.7300%501
Net loans and leases to deposits104.1269%521
Net loans and leases to core deposits106.1529%1,564
Total domestic deposits to total assets79.4511%5,975
Equity capital to assets12.1767%1,943
Core capital (leverage) ratio11.7866%1,760
Tier 1 risk-based capital ratio16.9268%2,285
Total risk-based capital ratio18.1792%2,238
Memoranda:
Average total assets$70,620,0006,029
Average earning assets$66,033,0005,964
Average equity$8,484,0005,692
Average total loans$58,252,5005,326
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2007%1,240
Cost of funding earning assets2.2474%1,847
Net interest margin3.9533%3,064
Noninterest income to average assets0.3781%5,390
Noninterest expense to average assets2.3911%6,493
Loan and lease loss provision to assets0.6848%3,083
Net operating income to assets0.9858%1,886
Return on assets (ROA)1.0129%1,848
Pretax return on assets1.0158%2,538
Return on Equity (ROE)8.4249%2,227
Retained earnings to average equity (ytd only)-0.1780%4,987
Net charge-offs to loans0.6030%3,411
Credit loss provision to net charge-offs138.3285%3,548
Earnings coverage of net charge-offs (x)3.3804%3,369
Efficiency ratio58.8277%6,645
Assets per employee ($millions)3.5898%4,808
Cash dividends to net income (ytd only)*102.1127%593
Condition Ratios (%)
Loss allowance to loans1.1740%5,509
Loan loss allowance to noncurrent loans75.4405%3,630
Noncurrent assets plus other real estate owned to assets1.4388%4,253
Noncurrent loans to loans1.5561%4,318
Net loans and leases to total assets80.3178%938
Net loans and leases to deposits99.2171%974
Net loans and leases to core deposits114.5374%2,454
Total domestic deposits to total assets80.9516%5,357
Equity capital to assets11.8558%2,105
Core capital (leverage) ratio11.8047%1,755
Tier 1 risk-based capital ratio16.7767%2,212
Total risk-based capital ratio18.0286%2,183
Memoranda:
Average total assets$70,093,6005,999
Average earning assets$65,363,4005,949
Average equity$8,427,4005,791
Average total loans$57,543,0005,362
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2430%1,259
Cost of funding earning assets2.3416%1,842
Net interest margin3.9014%3,234
Noninterest income to average assets0.3962%5,320
Noninterest expense to average assets2.3578%6,535
Loan and lease loss provision to assets0.8899%2,162
Net operating income to assets0.7847%2,881
Return on assets (ROA)0.7847%2,940
Pretax return on assets0.7866%3,585
Return on Equity (ROE)6.5029%3,298
Retained earnings to average equity (ytd only)-4.9962%6,256
Net charge-offs to loans0.8045%2,356
Credit loss provision to net charge-offs134.3931%3,704
Earnings coverage of net charge-offs (x)2.5318%3,958
Efficiency ratio58.4440%6,660
Assets per employee ($millions)3.3791%5,208
Cash dividends to net income (ytd only)*176.8298%222
Condition Ratios (%)
Loss allowance to loans1.1666%5,316
Loan loss allowance to noncurrent loans50.4891%4,953
Noncurrent assets plus other real estate owned to assets2.0490%3,286
Noncurrent loans to loans2.3106%3,252
Net loans and leases to total assets80.1091%1,147
Net loans and leases to deposits98.8626%1,227
Net loans and leases to core deposits115.1518%2,708
Total domestic deposits to total assets81.0307%5,073
Equity capital to assets11.6767%2,450
Core capital (leverage) ratio11.4423%2,106
Tier 1 risk-based capital ratio16.3206%2,506
Total risk-based capital ratio17.5716%2,442
Memoranda:
Average total assets$69,668,0006,051
Average earning assets$64,967,2506,005
Average equity$8,406,2505,850
Average total loans$57,341,2505,410
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2578%1,314
Cost of funding earning assets2.3945%1,989
Net interest margin3.8633%3,275
Noninterest income to average assets0.3697%5,553
Noninterest expense to average assets2.3340%6,661
Loan and lease loss provision to assets0.0867%6,305
Net operating income to assets1.5685%731
Return on assets (ROA)1.5685%788
Pretax return on assets1.5656%1,288
Return on Equity (ROE)12.8577%1,209
Retained earnings to average equity (ytd only)-3.3624%6,025
Net charge-offs to loans0.0175%6,278
Credit loss provision to net charge-offs600.0000%765
Earnings coverage of net charge-offs (x)114.4000%336
Efficiency ratio58.5507%6,761
Assets per employee ($millions)3.5104%4,797
Cash dividends to net income (ytd only)*126.1510%471
Condition Ratios (%)
Loss allowance to loans0.9967%6,277
Loan loss allowance to noncurrent loans50.1303%5,018
Noncurrent assets plus other real estate owned to assets1.9343%3,295
Noncurrent loans to loans1.9883%3,543
Net loans and leases to total assets81.6329%1,019
Net loans and leases to deposits101.2580%1,147
Net loans and leases to core deposits119.2981%2,429
Total domestic deposits to total assets80.6187%5,228
Equity capital to assets11.9447%2,237
Core capital (leverage) ratio11.8144%1,911
Tier 1 risk-based capital ratio16.4516%2,461
Total risk-based capital ratio17.6007%2,450
Memoranda:
Average total assets$69,236,6706,102
Average earning assets$64,814,6706,052
Average equity$8,446,3305,867
Average total loans$57,282,3305,457
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3289%1,223
Cost of funding earning assets2.4385%2,146
Net interest margin3.8904%3,071
Noninterest income to average assets0.3956%5,246
Noninterest expense to average assets2.2225%6,795
Loan and lease loss provision to assets0.0873%5,845
Net operating income to assets1.7454%589
Return on assets (ROA)1.7454%643
Pretax return on assets1.7338%1,112
Return on Equity (ROE)14.1568%1,137
Retained earnings to average equity (ytd only)-9.4379%7,051
Net charge-offs to loans0.0140%5,397
Credit loss provision to net charge-offs750.0000%792
Earnings coverage of net charge-offs (x)156.5000%280
Efficiency ratio54.9640%7,105
Assets per employee ($millions)3.4218%5,016
Cash dividends to net income (ytd only)*166.6667%399
Condition Ratios (%)
Loss allowance to loans0.9938%6,235
Loan loss allowance to noncurrent loans52.3148%5,067
Noncurrent assets plus other real estate owned to assets1.8806%3,090
Noncurrent loans to loans1.8997%3,414
Net loans and leases to total assets82.2462%978
Net loans and leases to deposits102.6311%1,122
Net loans and leases to core deposits127.9722%1,789
Total domestic deposits to total assets80.1376%5,314
Equity capital to assets12.2289%2,120
Core capital (leverage) ratio11.8555%1,970
Tier 1 risk-based capital ratio16.5220%2,507
Total risk-based capital ratio17.6599%2,495
Memoranda:
Average total assets$68,751,5006,149
Average earning assets$64,466,5006,087
Average equity$8,476,5005,888
Average total loans$56,979,0005,503
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7296%1,928
Cost of funding earning assets2.7115%3,104
Net interest margin4.0181%3,034
Noninterest income to average assets0.3368%6,044
Noninterest expense to average assets2.1920%6,984
Loan and lease loss provision to assets0.0541%6,739
Net operating income to assets1.8703%467
Return on assets (ROA)1.8703%449
Pretax return on assets1.8357%878
Return on Equity (ROE)15.4377%859
Retained earnings to average equity (ytd only)9.3569%543
Net charge-offs to loans0.1293%4,942
Credit loss provision to net charge-offs50.7042%6,347
Earnings coverage of net charge-offs (x)17.7042%1,752
Efficiency ratio53.7017%7,301
Assets per employee ($millions)3.4534%4,790
Cash dividends to net income (ytd only)*39.3891%3,673
Condition Ratios (%)
Loss allowance to loans0.9666%6,286
Loan loss allowance to noncurrent loans51.0166%5,443
Noncurrent assets plus other real estate owned to assets1.8663%2,638
Noncurrent loans to loans1.8947%2,915
Net loans and leases to total assets81.8843%1,248
Net loans and leases to deposits102.5104%1,532
Net loans and leases to core deposits127.5629%2,035
Total domestic deposits to total assets79.8790%5,069
Equity capital to assets12.4285%2,048
Core capital (leverage) ratio12.1845%1,888
Tier 1 risk-based capital ratio16.7701%2,396
Total risk-based capital ratio17.8716%2,377
Memoranda:
Average total assets$66,514,4006,142
Average earning assets$61,995,2006,086
Average equity$8,058,2006,069
Average total loans$54,903,6005,490