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California Pacific Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7877%364
Cost of funding earning assets0.1423%4,040
Net interest margin4.6454%220
Noninterest income to average assets0.7057%1,748
Noninterest expense to average assets2.8154%1,324
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.4692%1,083
Return on assets (ROA)1.4692%1,142
Pretax return on assets2.1835%429
Return on Equity (ROE)3.4082%4,306
Retained earnings to average equity (ytd only)3.4082%3,453
Net charge-offs to loans-0.0133%3,831
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3207%3,665
Assets per employee ($millions)10.4268%595
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans9.4160%12
Loan loss allowance to noncurrent loans200.4748%2,590
Noncurrent assets plus other real estate owned to assets7.6618%8
Noncurrent loans to loans4.6968%83
Net loans and leases to total assets53.5713%2,899
Net loans and leases to deposits94.5315%368
Net loans and leases to core deposits101.2507%485
Total domestic deposits to total assets56.6703%4,779
Equity capital to assets42.6883%40
Core capital (leverage) ratio43.9638%42
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio56.8856%57
Memoranda:
Average total assets$81,337,4004,196
Average earning assets$75,171,4004,192
Average equity$35,062,0002,290
Average total loans$52,618,4003,955
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7978%411
Cost of funding earning assets0.1484%4,121
Net interest margin4.6494%241
Noninterest income to average assets0.6681%1,941
Noninterest expense to average assets2.5769%1,907
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.6629%900
Return on assets (ROA)1.6629%940
Pretax return on assets2.3822%400
Return on Equity (ROE)3.8481%4,327
Retained earnings to average equity (ytd only)3.8481%3,623
Net charge-offs to loans-0.0175%3,919
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.9627%4,029
Assets per employee ($millions)9.8870%660
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans8.5283%14
Loan loss allowance to noncurrent loans129.3151%3,104
Noncurrent assets plus other real estate owned to assets9.6920%6
Noncurrent loans to loans6.5949%47
Net loans and leases to total assets62.9880%1,890
Net loans and leases to deposits115.4199%61
Net loans and leases to core deposits126.9390%138
Total domestic deposits to total assets54.5729%4,852
Equity capital to assets44.7823%39
Core capital (leverage) ratio44.9306%42
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio51.4930%75
Memoranda:
Average total assets$80,818,2504,259
Average earning assets$74,588,5004,253
Average equity$34,925,5002,326
Average total loans$53,440,2503,993
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5982%629
Cost of funding earning assets0.1489%4,215
Net interest margin4.4493%390
Noninterest income to average assets0.6217%2,122
Noninterest expense to average assets2.4818%2,205
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.5726%1,111
Return on assets (ROA)1.5726%1,171
Pretax return on assets2.2508%525
Return on Equity (ROE)3.6824%4,379
Retained earnings to average equity (ytd only)3.6824%3,624
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.4403%3,997
Assets per employee ($millions)9.9755%611
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans8.6276%16
Loan loss allowance to noncurrent loans200.1726%2,461
Noncurrent assets plus other real estate owned to assets8.0084%9
Noncurrent loans to loans4.3101%117
Net loans and leases to total assets61.5508%2,227
Net loans and leases to deposits111.1036%103
Net loans and leases to core deposits121.9040%197
Total domestic deposits to total assets55.3995%4,887
Equity capital to assets43.9239%40
Core capital (leverage) ratio43.1188%43
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio53.2203%71
Memoranda:
Average total assets$81,392,3334,271
Average earning assets$75,203,3334,272
Average equity$34,760,3332,326
Average total loans$53,098,3334,022
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5723%698
Cost of funding earning assets0.1526%4,287
Net interest margin4.4197%411
Noninterest income to average assets0.6181%2,135
Noninterest expense to average assets2.2437%2,963
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.7229%908
Return on assets (ROA)1.7229%953
Pretax return on assets2.4627%462
Return on Equity (ROE)4.0908%4,266
Retained earnings to average equity (ytd only)4.0908%3,476
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.6732%4,361
Assets per employee ($millions)9.0988%802
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans8.7657%15
Loan loss allowance to noncurrent loans203.3319%2,350
Noncurrent assets plus other real estate owned to assets7.7605%12
Noncurrent loans to loans4.3110%121
Net loans and leases to total assets58.9493%2,680
Net loans and leases to deposits103.8755%205
Net loans and leases to core deposits113.4367%337
Total domestic deposits to total assets56.7500%4,904
Equity capital to assets42.4563%37
Core capital (leverage) ratio41.6296%40
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio55.5109%64
Memoranda:
Average total assets$82,186,5004,280
Average earning assets$76,023,0004,280
Average equity$34,614,0002,328
Average total loans$52,768,5004,043
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0579%439
Cost of funding earning assets0.1848%4,631
Net interest margin4.8731%153
Noninterest income to average assets0.9898%1,064
Noninterest expense to average assets2.5678%2,647
Loan and lease loss provision to assets0.5412%415
Net operating income to assets1.6694%542
Return on assets (ROA)1.6694%584
Pretax return on assets2.3850%222
Return on Equity (ROE)4.1057%4,135
Retained earnings to average equity (ytd only)4.1057%2,759
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.7382%4,683
Assets per employee ($millions)9.1649%700
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans8.8131%15
Loan loss allowance to noncurrent loans225.3644%2,147
Noncurrent assets plus other real estate owned to assets7.4342%15
Noncurrent loans to loans3.9106%145
Net loans and leases to total assets58.1786%3,065
Net loans and leases to deposits101.2939%324
Net loans and leases to core deposits111.1502%475
Total domestic deposits to total assets57.4354%4,923
Equity capital to assets41.7790%40
Core capital (leverage) ratio39.8287%42
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio58.4022%58
Memoranda:
Average total assets$83,144,4004,208
Average earning assets$76,850,0004,206
Average equity$33,806,4002,298
Average total loans$56,352,2003,975
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1032%500
Cost of funding earning assets0.1921%4,695
Net interest margin4.9110%166
Noninterest income to average assets1.0499%946
Noninterest expense to average assets2.5207%2,778
Loan and lease loss provision to assets0.3601%1,040
Net operating income to assets1.8981%373
Return on assets (ROA)1.8981%408
Pretax return on assets2.7095%156
Return on Equity (ROE)4.7003%3,969
Retained earnings to average equity (ytd only)4.7003%2,692
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.0902%4,752
Assets per employee ($millions)11.1471%374
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans8.0753%19
Loan loss allowance to noncurrent loans218.5736%2,060
Noncurrent assets plus other real estate owned to assets6.8325%28
Noncurrent loans to loans3.6946%197
Net loans and leases to total assets56.3318%3,591
Net loans and leases to deposits92.8678%1,011
Net loans and leases to core deposits100.6875%1,116
Total domestic deposits to total assets60.6580%4,925
Equity capital to assets38.4169%42
Core capital (leverage) ratio38.7791%43
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio57.7699%66
Memoranda:
Average total assets$83,309,5004,211
Average earning assets$77,022,2504,207
Average equity$33,642,7502,295
Average total loans$57,283,7503,979
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8624%1,035
Cost of funding earning assets0.2053%4,754
Net interest margin4.6572%369
Noninterest income to average assets1.1063%809
Noninterest expense to average assets2.4682%3,051
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets2.0552%294
Return on assets (ROA)2.0552%328
Pretax return on assets2.9329%125
Return on Equity (ROE)5.0004%3,828
Retained earnings to average equity (ytd only)5.0004%2,472
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio45.6987%4,741
Assets per employee ($millions)9.5468%578
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans6.6719%22
Loan loss allowance to noncurrent loans122.3488%2,933
Noncurrent assets plus other real estate owned to assets8.7255%21
Noncurrent loans to loans5.4532%90
Net loans and leases to total assets68.1824%2,318
Net loans and leases to deposits114.2615%153
Net loans and leases to core deposits125.6391%315
Total domestic deposits to total assets59.6723%4,961
Equity capital to assets39.4665%42
Core capital (leverage) ratio40.2154%44
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio49.7927%85
Memoranda:
Average total assets$81,353,6674,235
Average earning assets$75,024,0004,238
Average equity$33,437,3332,294
Average total loans$58,162,3333,976
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3935%466
Cost of funding earning assets0.2364%4,805
Net interest margin5.1571%154
Noninterest income to average assets1.1838%623
Noninterest expense to average assets2.5142%3,236
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.0893%228
Return on assets (ROA)2.0893%250
Pretax return on assets3.4147%61
Return on Equity (ROE)4.9758%3,642
Retained earnings to average equity (ytd only)4.9758%2,287
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.4061%4,930
Assets per employee ($millions)8.9720%537
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans7.4283%18
Loan loss allowance to noncurrent loans121.7442%2,931
Noncurrent assets plus other real estate owned to assets9.3055%23
Noncurrent loans to loans6.1016%80
Net loans and leases to total assets64.6344%2,989
Net loans and leases to deposits113.2986%147
Net loans and leases to core deposits125.9983%336
Total domestic deposits to total assets57.0479%5,044
Equity capital to assets41.4698%45
Core capital (leverage) ratio42.8106%41
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio53.0497%78
Memoranda:
Average total assets$79,070,0004,274
Average earning assets$72,754,5004,276
Average equity$33,201,0002,292
Average total loans$55,858,0004,036
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8386%76
Cost of funding earning assets0.2797%4,775
Net interest margin6.5589%46
Noninterest income to average assets1.4110%477
Noninterest expense to average assets3.7480%717
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets2.3556%166
Return on assets (ROA)2.3556%177
Pretax return on assets3.6763%72
Return on Equity (ROE)5.5078%4,064
Retained earnings to average equity (ytd only)5.5078%2,159
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.4832%4,708
Assets per employee ($millions)8.5991%572
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans7.5682%10
Loan loss allowance to noncurrent loans184.3310%2,228
Noncurrent assets plus other real estate owned to assets8.1998%25
Noncurrent loans to loans4.1058%159
Net loans and leases to total assets66.0908%2,939
Net loans and leases to deposits117.6569%92
Net loans and leases to core deposits130.9230%262
Total domestic deposits to total assets56.1725%5,106
Equity capital to assets42.5315%44
Core capital (leverage) ratio41.3648%48
Tier 1 risk-based capital ratio49.8448%135
Total risk-based capital ratio51.1592%135
Memoranda:
Average total assets$75,266,4004,360
Average earning assets$69,005,0004,360
Average equity$32,191,0002,292
Average total loans$55,366,8004,072
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8892%76
Cost of funding earning assets0.2784%4,850
Net interest margin6.6108%46
Noninterest income to average assets1.4362%442
Noninterest expense to average assets3.3576%1,164
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets2.8009%104
Return on assets (ROA)2.8009%111
Pretax return on assets4.1372%60
Return on Equity (ROE)6.5395%3,865
Retained earnings to average equity (ytd only)6.5395%2,093
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.7989%4,982
Assets per employee ($millions)9.3200%431
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans7.4960%12
Loan loss allowance to noncurrent loans8,725.0000%92
Noncurrent assets plus other real estate owned to assets5.5284%60
Noncurrent loans to loans0.0859%4,259
Net loans and leases to total assets69.3160%2,580
Net loans and leases to deposits126.4144%59
Net loans and leases to core deposits141.6799%169
Total domestic deposits to total assets54.8323%5,188
Equity capital to assets43.8747%46
Core capital (leverage) ratio43.5732%45
Tier 1 risk-based capital ratio48.9584%140
Total risk-based capital ratio50.2724%139
Memoranda:
Average total assets$74,735,0004,419
Average earning assets$68,492,0004,423
Average equity$32,009,7502,316
Average total loans$55,374,2504,115
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9723%72
Cost of funding earning assets0.2798%4,877
Net interest margin6.6924%45
Noninterest income to average assets1.4573%418
Noninterest expense to average assets2.7248%2,824
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets3.3880%69
Return on assets (ROA)3.3880%74
Pretax return on assets4.8721%49
Return on Equity (ROE)7.9747%3,303
Retained earnings to average equity (ytd only)7.9747%1,408
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.8677%5,223
Assets per employee ($millions)8.3647%590
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans7.7809%8
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.4117%67
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets65.9334%3,118
Net loans and leases to deposits116.6506%114
Net loans and leases to core deposits130.1211%325
Total domestic deposits to total assets56.5221%5,228
Equity capital to assets43.0515%43
Core capital (leverage) ratio42.5725%45
Tier 1 risk-based capital ratio50.2527%133
Total risk-based capital ratio51.5691%132
Memoranda:
Average total assets$74,793,3304,454
Average earning assets$68,614,6704,454
Average equity$31,775,3302,318
Average total loans$55,209,0004,141
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9133%74
Cost of funding earning assets0.2578%4,963
Net interest margin6.6555%48
Noninterest income to average assets1.5077%384
Noninterest expense to average assets2.7150%2,859
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets3.3803%74
Return on assets (ROA)3.3803%76
Pretax return on assets4.8881%53
Return on Equity (ROE)8.0107%3,257
Retained earnings to average equity (ytd only)8.0107%1,654
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.7092%5,273
Assets per employee ($millions)8.4177%578
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans7.4212%11
Loan loss allowance to noncurrent loans1,246.4286%498
Noncurrent assets plus other real estate owned to assets5.8211%53
Noncurrent loans to loans0.5954%2,554
Net loans and leases to total assets68.9621%2,627
Net loans and leases to deposits120.7837%77
Net loans and leases to core deposits136.3814%229
Total domestic deposits to total assets57.0955%5,294
Equity capital to assets41.9396%43
Core capital (leverage) ratio42.0656%44
Tier 1 risk-based capital ratio47.3588%152
Total risk-based capital ratio48.6719%148
Memoranda:
Average total assets$74,549,0004,506
Average earning assets$68,274,0004,506
Average equity$31,458,0002,334
Average total loans$55,901,5004,167
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0925%146
Cost of funding earning assets0.1755%5,094
Net interest margin5.9170%73
Noninterest income to average assets1.4411%436
Noninterest expense to average assets3.2035%1,541
Loan and lease loss provision to assets0.3418%452
Net operating income to assets2.3380%202
Return on assets (ROA)2.3380%195
Pretax return on assets3.2882%75
Return on Equity (ROE)5.5640%4,304
Retained earnings to average equity (ytd only)5.5640%2,445
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.8788%5,091
Assets per employee ($millions)8.1488%632
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans7.5637%11
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.5550%59
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets69.7882%2,596
Net loans and leases to deposits123.2559%74
Net loans and leases to core deposits136.3726%238
Total domestic deposits to total assets56.6206%5,341
Equity capital to assets42.4644%41
Core capital (leverage) ratio40.3501%48
Tier 1 risk-based capital ratio46.4550%159
Total risk-based capital ratio47.7677%154
Memoranda:
Average total assets$73,139,4004,534
Average earning assets$66,655,4004,546
Average equity$30,733,2002,300
Average total loans$51,238,6004,293
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9674%159
Cost of funding earning assets0.1682%5,149
Net interest margin5.7992%78
Noninterest income to average assets1.4119%478
Noninterest expense to average assets2.9023%2,299
Loan and lease loss provision to assets0.3648%364
Net operating income to assets2.4098%183
Return on assets (ROA)2.4098%184
Pretax return on assets3.4295%81
Return on Equity (ROE)5.7501%4,340
Retained earnings to average equity (ytd only)5.7501%2,792
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.3397%5,239
Assets per employee ($millions)7.7999%695
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans9.0919%7
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.8035%58
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets58.9396%3,952
Net loans and leases to deposits106.6916%415
Net loans and leases to core deposits118.9415%608
Total domestic deposits to total assets55.2430%5,417
Equity capital to assets43.7570%40
Core capital (leverage) ratio43.0198%42
Tier 1 risk-based capital ratio52.8901%120
Total risk-based capital ratio54.2142%117
Memoranda:
Average total assets$73,089,5004,587
Average earning assets$66,605,0004,598
Average equity$30,630,7502,309
Average total loans$50,205,7504,356
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0098%140
Cost of funding earning assets0.1306%5,319
Net interest margin5.8792%77
Noninterest income to average assets1.3585%520
Noninterest expense to average assets2.7170%2,953
Loan and lease loss provision to assets0.2701%558
Net operating income to assets2.6035%127
Return on assets (ROA)2.6035%127
Pretax return on assets3.7217%65
Return on Equity (ROE)6.3002%4,140
Retained earnings to average equity (ytd only)6.3002%2,414
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.4992%5,391
Assets per employee ($millions)7.9221%642
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans9.0253%6
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.7140%68
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets57.0878%4,075
Net loans and leases to deposits102.6713%612
Net loans and leases to core deposits114.1643%787
Total domestic deposits to total assets55.6025%5,479
Equity capital to assets43.5855%44
Core capital (leverage) ratio43.7698%43
Tier 1 risk-based capital ratio54.0855%110
Total risk-based capital ratio55.4082%108
Memoranda:
Average total assets$74,053,0004,624
Average earning assets$67,390,3304,633
Average equity$30,602,0002,317
Average total loans$51,770,0004,353
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9456%149
Cost of funding earning assets0.1513%5,262
Net interest margin5.7943%85
Noninterest income to average assets1.1454%706
Noninterest expense to average assets2.4234%3,883
Loan and lease loss provision to assets0.2651%531
Net operating income to assets2.6250%118
Return on assets (ROA)2.6250%119
Pretax return on assets3.7386%66
Return on Equity (ROE)6.5207%3,973
Retained earnings to average equity (ytd only)6.5207%2,489
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.7063%5,491
Assets per employee ($millions)7.2924%850
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans7.3125%16
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.5866%82
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets69.3174%2,588
Net loans and leases to deposits122.1226%93
Net loans and leases to core deposits135.6911%263
Total domestic deposits to total assets56.7605%5,538
Equity capital to assets41.9711%44
Core capital (leverage) ratio39.3093%47
Tier 1 risk-based capital ratio48.9461%139
Total risk-based capital ratio50.2607%138
Memoranda:
Average total assets$75,430,0004,655
Average earning assets$68,757,0004,666
Average equity$30,365,0002,343
Average total loans$55,284,5004,319
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0726%564
Cost of funding earning assets0.2055%4,900
Net interest margin4.8670%296
Noninterest income to average assets1.0224%974
Noninterest expense to average assets2.7851%2,827
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9597%2,405
Return on assets (ROA)0.9597%2,439
Pretax return on assets2.6911%138
Return on Equity (ROE)2.6610%4,917
Retained earnings to average equity (ytd only)2.6610%3,733
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.8587%5,177
Assets per employee ($millions)7.7936%682
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans7.0281%14
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.2274%86
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets66.8420%2,988
Net loans and leases to deposits110.4646%258
Net loans and leases to core deposits122.5424%508
Total domestic deposits to total assets60.5099%5,581
Equity capital to assets38.6509%46
Core capital (leverage) ratio39.2247%41
Tier 1 risk-based capital ratio46.7785%141
Total risk-based capital ratio48.0907%140
Memoranda:
Average total assets$82,940,4004,533
Average earning assets$75,898,4004,539
Average equity$29,913,2002,361
Average total loans$55,970,6004,290
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0481%553
Cost of funding earning assets0.2162%4,838
Net interest margin4.8319%314
Noninterest income to average assets0.9866%1,057
Noninterest expense to average assets2.5449%3,584
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.5995%719
Return on assets (ROA)1.5995%736
Pretax return on assets2.8648%130
Return on Equity (ROE)4.5097%4,710
Retained earnings to average equity (ytd only)4.5097%3,219
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.0433%5,384
Assets per employee ($millions)7.6209%724
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans7.6860%9
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.3458%89
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets62.0635%3,645
Net loans and leases to deposits104.4452%478
Net loans and leases to core deposits118.2332%645
Total domestic deposits to total assets59.4221%5,657
Equity capital to assets39.8076%44
Core capital (leverage) ratio38.7174%45
Tier 1 risk-based capital ratio50.2934%127
Total risk-based capital ratio51.6114%123
Memoranda:
Average total assets$84,191,5004,556
Average earning assets$77,070,0004,562
Average equity$29,860,7502,380
Average total loans$55,955,2504,329
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8766%739
Cost of funding earning assets0.2158%4,832
Net interest margin4.6608%428
Noninterest income to average assets0.9902%1,038
Noninterest expense to average assets2.2337%4,493
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.7593%491
Return on assets (ROA)1.7593%500
Pretax return on assets3.0327%111
Return on Equity (ROE)5.1444%4,418
Retained earnings to average equity (ytd only)5.1444%2,613
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.4136%5,561
Assets per employee ($millions)8.1530%585
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans6.8429%16
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.9969%103
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets65.7562%3,139
Net loans and leases to deposits105.1361%432
Net loans and leases to core deposits117.9949%642
Total domestic deposits to total assets62.5438%5,678
Equity capital to assets36.9079%46
Core capital (leverage) ratio37.7705%45
Tier 1 risk-based capital ratio45.1052%158
Total risk-based capital ratio46.4137%159
Memoranda:
Average total assets$86,852,3304,544
Average earning assets$79,686,0004,538
Average equity$29,702,0002,390
Average total loans$57,528,3304,323
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6932%951
Cost of funding earning assets0.2091%4,894
Net interest margin4.4841%540
Noninterest income to average assets0.9920%1,020
Noninterest expense to average assets2.0779%4,897
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.7562%492
Return on assets (ROA)1.7562%501
Pretax return on assets3.0342%134
Return on Equity (ROE)5.3275%4,236
Retained earnings to average equity (ytd only)5.3275%2,721
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.6469%5,679
Assets per employee ($millions)8.1036%590
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans7.0577%16
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets5.0274%118
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets63.9950%3,281
Net loans and leases to deposits102.9643%448
Net loans and leases to core deposits113.5938%696
Total domestic deposits to total assets62.1526%5,757
Equity capital to assets36.6751%50
Core capital (leverage) ratio33.8285%60
Tier 1 risk-based capital ratio45.7866%165
Total risk-based capital ratio47.0976%161
Memoranda:
Average total assets$89,513,5004,548
Average earning assets$82,247,0004,548
Average equity$29,507,5002,417
Average total loans$57,518,0004,367
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1115%2,809
Cost of funding earning assets0.2686%4,383
Net interest margin3.8429%2,163
Noninterest income to average assets1.4200%575
Noninterest expense to average assets2.8822%2,737
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets1.2125%1,464
Return on assets (ROA)1.2125%1,549
Pretax return on assets2.1249%377
Return on Equity (ROE)4.1026%4,796
Retained earnings to average equity (ytd only)4.1026%2,990
Net charge-offs to loans-0.7091%5,852
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5621%4,900
Assets per employee ($millions)9.7991%326
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans6.6476%16
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.1575%180
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets56.4348%4,222
Net loans and leases to deposits82.0003%2,670
Net loans and leases to core deposits91.0215%2,405
Total domestic deposits to total assets68.8226%5,696
Equity capital to assets29.8956%65
Core capital (leverage) ratio32.5218%59
Tier 1 risk-based capital ratio43.1583%186
Total risk-based capital ratio44.4665%184
Memoranda:
Average total assets$97,320,8004,402
Average earning assets$90,843,0004,370
Average equity$28,762,0002,470
Average total loans$56,269,4004,403
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1824%2,567
Cost of funding earning assets0.2918%4,192
Net interest margin3.8906%2,007
Noninterest income to average assets1.5892%488
Noninterest expense to average assets2.8902%2,668
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.3586%1,147
Return on assets (ROA)1.3586%1,227
Pretax return on assets2.3399%287
Return on Equity (ROE)4.6106%4,675
Retained earnings to average equity (ytd only)4.6106%3,073
Net charge-offs to loans-0.4154%5,874
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2611%5,129
Assets per employee ($millions)9.5460%346
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans7.1580%12
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.0310%208
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets50.4358%4,791
Net loans and leases to deposits73.8832%3,608
Net loans and leases to core deposits83.1968%3,198
Total domestic deposits to total assets68.2642%5,765
Equity capital to assets30.4892%63
Core capital (leverage) ratio30.2369%62
Tier 1 risk-based capital ratio49.1464%139
Total risk-based capital ratio50.4601%136
Memoranda:
Average total assets$97,153,2504,437
Average earning assets$90,918,7504,399
Average equity$28,628,7502,488
Average total loans$55,527,0004,456
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2040%2,504
Cost of funding earning assets0.3106%4,011
Net interest margin3.8934%1,998
Noninterest income to average assets1.8850%373
Noninterest expense to average assets3.0926%2,085
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.4102%1,047
Return on assets (ROA)1.4102%1,098
Pretax return on assets2.4356%240
Return on Equity (ROE)4.8402%4,582
Retained earnings to average equity (ytd only)4.8402%2,836
Net charge-offs to loans-0.6097%5,960
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9422%5,149
Assets per employee ($millions)8.5415%468
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans6.1363%24
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.7542%264
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets55.3962%4,369
Net loans and leases to deposits78.2309%3,133
Net loans and leases to core deposits88.0201%2,724
Total domestic deposits to total assets70.8111%5,737
Equity capital to assets28.1020%65
Core capital (leverage) ratio28.2326%65
Tier 1 risk-based capital ratio42.9987%195
Total risk-based capital ratio44.3035%193
Memoranda:
Average total assets$97,717,6704,456
Average earning assets$91,436,6704,432
Average equity$28,470,0002,496
Average total loans$56,750,0004,444
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1705%2,584
Cost of funding earning assets0.3322%3,813
Net interest margin3.8383%2,148
Noninterest income to average assets1.1120%883
Noninterest expense to average assets2.0771%5,157
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.5777%736
Return on assets (ROA)1.5777%772
Pretax return on assets2.6225%199
Return on Equity (ROE)5.3139%4,332
Retained earnings to average equity (ytd only)5.3139%2,757
Net charge-offs to loans-1.2682%6,053
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.1964%5,868
Assets per employee ($millions)8.1294%538
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans7.2177%15
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.9445%260
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets48.9272%4,897
Net loans and leases to deposits69.7318%3,878
Net loans and leases to core deposits81.5688%3,172
Total domestic deposits to total assets70.1649%5,858
Equity capital to assets29.2057%61
Core capital (leverage) ratio29.6964%62
Tier 1 risk-based capital ratio46.6126%157
Total risk-based capital ratio47.9247%154
Memoranda:
Average total assets$95,327,5004,547
Average earning assets$89,103,0004,521
Average equity$28,303,0002,504
Average total loans$54,879,0004,526
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3639%2,013
Cost of funding earning assets0.3765%3,410
Net interest margin3.9874%1,759
Noninterest income to average assets0.9247%1,369
Noninterest expense to average assets2.6861%3,627
Loan and lease loss provision to assets-0.4438%6,111
Net operating income to assets1.2265%1,465
Return on assets (ROA)1.2265%1,526
Pretax return on assets2.2275%328
Return on Equity (ROE)4.2068%4,849
Retained earnings to average equity (ytd only)4.2068%2,992
Net charge-offs to loans-0.8407%6,120
Credit loss provision to net charge-offs88.3966%2,787
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.0948%4,898
Assets per employee ($millions)7.7783%621
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans6.0688%32
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.1226%251
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets58.6850%4,002
Net loans and leases to deposits84.7663%2,273
Net loans and leases to core deposits103.3373%1,275
Total domestic deposits to total assets69.2315%5,926
Equity capital to assets30.0635%61
Core capital (leverage) ratio30.4495%60
Tier 1 risk-based capital ratio41.3562%211
Total risk-based capital ratio42.6546%209
Memoranda:
Average total assets$94,411,6004,572
Average earning assets$83,939,4004,632
Average equity$27,526,8002,502
Average total loans$56,380,8004,491
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2150%2,525
Cost of funding earning assets0.3690%3,557
Net interest margin3.8460%2,211
Noninterest income to average assets0.9562%1,300
Noninterest expense to average assets2.6756%3,653
Loan and lease loss provision to assets-0.5900%6,225
Net operating income to assets1.3829%1,152
Return on assets (ROA)1.3829%1,202
Pretax return on assets2.3785%294
Return on Equity (ROE)4.7796%4,724
Retained earnings to average equity (ytd only)4.7796%3,068
Net charge-offs to loans-1.0948%6,212
Credit loss provision to net charge-offs91.2854%2,456
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9369%4,899
Assets per employee ($millions)7.9443%554
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans5.8979%39
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.0365%292
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets58.9798%4,013
Net loans and leases to deposits84.2312%2,383
Net loans and leases to core deposits97.5875%1,736
Total domestic deposits to total assets70.0213%5,971
Equity capital to assets29.2507%67
Core capital (leverage) ratio29.0820%64
Tier 1 risk-based capital ratio39.4040%254
Total risk-based capital ratio40.7012%253
Memoranda:
Average total assets$94,679,7504,622
Average earning assets$86,355,2504,630
Average equity$27,393,2502,525
Average total loans$55,897,2504,544
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1109%2,855
Cost of funding earning assets0.3645%3,654
Net interest margin3.7463%2,524
Noninterest income to average assets0.9464%1,311
Noninterest expense to average assets2.9430%2,738
Loan and lease loss provision to assets-0.8871%6,322
Net operating income to assets1.3423%1,214
Return on assets (ROA)1.3423%1,258
Pretax return on assets2.3501%311
Return on Equity (ROE)4.6567%4,766
Retained earnings to average equity (ytd only)4.6567%3,074
Net charge-offs to loans-1.6260%6,294
Credit loss provision to net charge-offs94.3694%2,150
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7948%3,867
Assets per employee ($millions)7.8244%575
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans6.3502%29
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.0983%320
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets55.1149%4,436
Net loans and leases to deposits78.8869%2,919
Net loans and leases to core deposits90.8435%2,258
Total domestic deposits to total assets69.8657%6,043
Equity capital to assets29.3281%66
Core capital (leverage) ratio29.5029%66
Tier 1 risk-based capital ratio39.5729%272
Total risk-based capital ratio40.8720%265
Memoranda:
Average total assets$94,462,6704,670
Average earning assets$87,231,6704,647
Average equity$27,229,3302,545
Average total loans$54,613,0004,624
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1032%2,818
Cost of funding earning assets0.3668%3,678
Net interest margin3.7364%2,485
Noninterest income to average assets0.9414%1,262
Noninterest expense to average assets3.6645%1,050
Loan and lease loss provision to assets-1.7689%6,408
Net operating income to assets1.4607%919
Return on assets (ROA)1.4607%980
Pretax return on assets2.4866%250
Return on Equity (ROE)5.1116%4,472
Retained earnings to average equity (ytd only)5.1116%2,992
Net charge-offs to loans-3.1976%6,370
Credit loss provision to net charge-offs96.5438%1,703
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.6224%1,419
Assets per employee ($millions)7.6841%618
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans6.2273%33
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets4.1731%352
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets57.1408%4,070
Net loans and leases to deposits82.6948%2,249
Net loans and leases to core deposits95.4494%1,655
Total domestic deposits to total assets69.0985%6,164
Equity capital to assets29.5513%68
Core capital (leverage) ratio28.1814%69
Tier 1 risk-based capital ratio37.4746%295
Total risk-based capital ratio38.7543%294
Memoranda:
Average total assets$94,747,5004,699
Average earning assets$87,249,0004,686
Average equity$27,075,5002,575
Average total loans$54,290,5004,661
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0968%3,344
Cost of funding earning assets0.4202%3,474
Net interest margin3.6766%3,094
Noninterest income to average assets1.1990%834
Noninterest expense to average assets3.0822%2,584
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.9000%2,869
Return on assets (ROA)0.9000%2,963
Pretax return on assets1.4871%1,593
Return on Equity (ROE)3.4369%5,315
Retained earnings to average equity (ytd only)3.4369%3,766
Net charge-offs to loans-0.3530%6,351
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4540%3,992
Assets per employee ($millions)8.1072%518
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans6.6497%26
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.9543%425
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets50.2734%4,944
Net loans and leases to deposits70.1084%3,898
Net loans and leases to core deposits81.1566%3,184
Total domestic deposits to total assets71.7082%6,100
Equity capital to assets27.6525%75
Core capital (leverage) ratio27.9110%71
Tier 1 risk-based capital ratio40.5786%228
Total risk-based capital ratio41.8804%226
Memoranda:
Average total assets$100,999,8004,578
Average earning assets$92,584,8004,591
Average equity$26,448,2002,530
Average total loans$54,392,0004,676
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9399%4,009
Cost of funding earning assets0.4346%3,422
Net interest margin3.5053%3,807
Noninterest income to average assets1.2401%791
Noninterest expense to average assets3.0138%2,760
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.8385%3,238
Return on assets (ROA)0.8385%3,329
Pretax return on assets1.4337%1,874
Return on Equity (ROE)3.2453%5,451
Retained earnings to average equity (ytd only)3.2453%4,316
Net charge-offs to loans-0.4421%6,441
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7647%3,899
Assets per employee ($millions)9.2256%310
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans6.3981%38
Loan loss allowance to noncurrent loans401.6185%1,179
Noncurrent assets plus other real estate owned to assets4.6442%387
Noncurrent loans to loans1.5931%2,035
Net loans and leases to total assets50.0808%4,998
Net loans and leases to deposits68.4513%4,084
Net loans and leases to core deposits76.4451%3,694
Total domestic deposits to total assets73.1627%6,080
Equity capital to assets26.2450%83
Core capital (leverage) ratio26.3972%75
Tier 1 risk-based capital ratio37.9337%278
Total risk-based capital ratio39.1728%274
Memoranda:
Average total assets$101,928,2504,604
Average earning assets$93,265,0004,617
Average equity$26,334,7502,547
Average total loans$54,891,7504,694
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9188%4,055
Cost of funding earning assets0.4407%3,435
Net interest margin3.4782%3,865
Noninterest income to average assets1.3696%642
Noninterest expense to average assets2.8978%3,168
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.9601%2,510
Return on assets (ROA)0.9601%2,598
Pretax return on assets1.6419%1,158
Return on Equity (ROE)3.7355%5,257
Retained earnings to average equity (ytd only)3.7355%3,816
Net charge-offs to loans-0.6244%6,532
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8325%4,716
Assets per employee ($millions)7.5574%604
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans6.3067%44
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.9167%558
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets52.3808%4,706
Net loans and leases to deposits72.8903%3,465
Net loans and leases to core deposits83.6427%2,778
Total domestic deposits to total assets71.8625%6,260
Equity capital to assets26.9558%75
Core capital (leverage) ratio27.3936%72
Tier 1 risk-based capital ratio35.3890%334
Total risk-based capital ratio36.5689%333
Memoranda:
Average total assets$102,077,0004,635
Average earning assets$93,037,6704,659
Average equity$26,235,0002,546
Average total loans$55,090,0004,717
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7672%4,611
Cost of funding earning assets0.4472%3,461
Net interest margin3.3200%4,458
Noninterest income to average assets1.0270%1,068
Noninterest expense to average assets2.4309%4,842
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9116%2,596
Return on assets (ROA)0.9116%2,668
Pretax return on assets1.6232%1,129
Return on Equity (ROE)3.6307%5,206
Retained earnings to average equity (ytd only)3.6307%3,954
Net charge-offs to loans-1.1890%6,640
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9620%5,413
Assets per employee ($millions)7.8577%519
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans6.1999%42
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets3.8678%635
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets51.1865%4,767
Net loans and leases to deposits69.8865%3,620
Net loans and leases to core deposits82.8768%2,651
Total domestic deposits to total assets73.2423%6,293
Equity capital to assets25.6779%89
Core capital (leverage) ratio25.6440%84
Tier 1 risk-based capital ratio34.8877%354
Total risk-based capital ratio36.1792%347
Memoranda:
Average total assets$103,992,5004,629
Average earning assets$94,819,0004,662
Average equity$26,111,0002,541
Average total loans$55,172,0004,756
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1735%3,439
Cost of funding earning assets0.4888%3,723
Net interest margin3.6847%3,117
Noninterest income to average assets3.3146%197
Noninterest expense to average assets2.7475%3,918
Loan and lease loss provision to assets1.4066%107
Net operating income to assets1.4891%843
Return on assets (ROA)1.4891%888
Pretax return on assets2.4714%206
Return on Equity (ROE)6.4351%3,857
Retained earnings to average equity (ytd only)6.4351%1,721
Net charge-offs to loans2.0434%183
Credit loss provision to net charge-offs124.8355%1,910
Earnings coverage of net charge-offs (x)3.4416%3,852
Efficiency ratio41.4685%6,664
Assets per employee ($millions)8.1412%444
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans6.0292%39
Loan loss allowance to noncurrent loans362.9548%1,267
Noncurrent assets plus other real estate owned to assets4.5902%536
Noncurrent loans to loans1.6611%2,416
Net loans and leases to total assets48.4802%5,240
Net loans and leases to deposits65.1576%4,394
Net loans and leases to core deposits80.6454%3,051
Total domestic deposits to total assets74.4045%6,249
Equity capital to assets24.5590%101
Core capital (leverage) ratio24.3214%96
Tier 1 risk-based capital ratio35.3104%315
Total risk-based capital ratio36.5996%306
Memoranda:
Average total assets$107,916,2004,549
Average earning assets$96,969,2004,595
Average equity$24,972,4002,630
Average total loans$59,507,6004,631
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1848%3,440
Cost of funding earning assets0.4929%3,845
Net interest margin3.6919%3,060
Noninterest income to average assets0.7709%2,275
Noninterest expense to average assets2.4063%5,012
Loan and lease loss provision to assets0.2459%1,454
Net operating income to assets0.8177%3,260
Return on assets (ROA)0.8177%3,386
Pretax return on assets1.4251%1,849
Return on Equity (ROE)3.5871%5,393
Retained earnings to average equity (ytd only)3.5871%4,141
Net charge-offs to loans-0.0154%5,982
Credit loss provision to net charge-offs-2,857.1429%6,308
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0169%5,553
Assets per employee ($millions)9.2290%292
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans5.3577%84
Loan loss allowance to noncurrent loans158.8966%2,422
Noncurrent assets plus other real estate owned to assets7.0836%281
Noncurrent loans to loans3.3718%1,151
Net loans and leases to total assets50.9932%5,004
Net loans and leases to deposits66.5010%4,241
Net loans and leases to core deposits78.6776%3,278
Total domestic deposits to total assets76.6804%6,091
Equity capital to assets22.6189%129
Core capital (leverage) ratio22.7922%118
Tier 1 risk-based capital ratio31.2212%466
Total risk-based capital ratio32.5049%456
Memoranda:
Average total assets$108,436,5004,575
Average earning assets$97,110,7504,637
Average equity$24,717,5002,676
Average total loans$60,734,2504,633
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2633%3,104
Cost of funding earning assets0.4935%3,955
Net interest margin3.7698%2,674
Noninterest income to average assets0.7560%2,386
Noninterest expense to average assets2.3313%5,273
Loan and lease loss provision to assets0.3715%877
Net operating income to assets0.8378%3,108
Return on assets (ROA)0.8378%3,263
Pretax return on assets1.4303%1,835
Return on Equity (ROE)3.6657%5,348
Retained earnings to average equity (ytd only)3.6657%3,977
Net charge-offs to loans-0.0131%5,830
Credit loss provision to net charge-offs-5,000.0000%6,227
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4045%5,912
Assets per employee ($millions)9.0821%294
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans5.3180%97
Loan loss allowance to noncurrent loans101.1720%3,423
Noncurrent assets plus other real estate owned to assets8.6489%210
Noncurrent loans to loans5.2564%594
Net loans and leases to total assets52.1778%4,835
Net loans and leases to deposits69.8703%3,731
Net loans and leases to core deposits84.3521%2,509
Total domestic deposits to total assets74.6782%6,385
Equity capital to assets22.7885%121
Core capital (leverage) ratio22.9423%112
Tier 1 risk-based capital ratio31.5474%455
Total risk-based capital ratio32.8316%446
Memoranda:
Average total assets$107,666,0004,617
Average earning assets$96,450,0004,688
Average equity$24,606,6702,707
Average total loans$61,088,6704,641
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2299%3,182
Cost of funding earning assets0.4890%4,189
Net interest margin3.7409%2,697
Noninterest income to average assets0.6990%2,593
Noninterest expense to average assets1.9289%6,235
Loan and lease loss provision to assets0.7476%307
Net operating income to assets0.8000%3,168
Return on assets (ROA)0.8000%3,299
Pretax return on assets1.3681%1,978
Return on Equity (ROE)3.4950%5,343
Retained earnings to average equity (ytd only)3.4950%4,149
Net charge-offs to loans-0.0130%5,536
Credit loss provision to net charge-offs-10,000.0000%5,931
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.6895%6,622
Assets per employee ($millions)8.8415%333
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans5.1119%126
Loan loss allowance to noncurrent loans188.4298%1,986
Noncurrent assets plus other real estate owned to assets7.5053%359
Noncurrent loans to loans2.7129%1,885
Net loans and leases to total assets55.8446%4,110
Net loans and leases to deposits75.7130%2,685
Net loans and leases to core deposits94.2046%1,333
Total domestic deposits to total assets73.7582%6,547
Equity capital to assets23.1852%121
Core capital (leverage) ratio23.3875%105
Tier 1 risk-based capital ratio30.3085%516
Total risk-based capital ratio31.5911%506
Memoranda:
Average total assets$107,006,5004,678
Average earning assets$95,699,5004,748
Average equity$24,492,0002,761
Average total loans$61,603,0004,644
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0182%5,250
Cost of funding earning assets0.5420%4,886
Net interest margin3.4761%4,599
Noninterest income to average assets1.2170%1,055
Noninterest expense to average assets3.8126%1,233
Loan and lease loss provision to assets0.3325%2,040
Net operating income to assets0.1178%5,974
Return on assets (ROA)0.1178%6,115
Pretax return on assets0.1853%6,011
Return on Equity (ROE)0.5041%6,222
Retained earnings to average equity (ytd only)0.5041%5,596
Net charge-offs to loans1.2989%746
Credit loss provision to net charge-offs46.5426%4,771
Earnings coverage of net charge-offs (x)0.7247%5,117
Efficiency ratio88.0430%1,239
Assets per employee ($millions)9.8105%259
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans4.9207%141
Loan loss allowance to noncurrent loans175.5725%2,061
Noncurrent assets plus other real estate owned to assets7.3873%407
Noncurrent loans to loans2.8026%1,879
Net loans and leases to total assets53.5366%4,683
Net loans and leases to deposits71.5662%3,488
Net loans and leases to core deposits89.3546%1,916
Total domestic deposits to total assets74.8070%6,461
Equity capital to assets22.5965%138
Core capital (leverage) ratio23.8701%102
Tier 1 risk-based capital ratio26.6704%719
Total risk-based capital ratio27.8943%711
Memoranda:
Average total assets$105,255,4004,701
Average earning assets$94,271,8004,752
Average equity$24,598,2002,699
Average total loans$57,896,0004,799
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0097%5,489
Cost of funding earning assets0.5501%5,087
Net interest margin3.4596%4,808
Noninterest income to average assets1.2582%951
Noninterest expense to average assets2.2028%5,943
Loan and lease loss provision to assets0.3187%2,072
Net operating income to assets1.1371%1,962
Return on assets (ROA)1.1371%2,155
Pretax return on assets1.8395%968
Return on Equity (ROE)4.8245%4,907
Retained earnings to average equity (ytd only)4.8245%3,491
Net charge-offs to loans1.7745%451
Credit loss provision to net charge-offs32.8515%4,753
Earnings coverage of net charge-offs (x)2.2247%4,149
Efficiency ratio50.5115%6,546
Assets per employee ($millions)8.6263%379
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans5.1305%132
Loan loss allowance to noncurrent loans166.1932%2,086
Noncurrent assets plus other real estate owned to assets7.9795%391
Noncurrent loans to loans3.0871%1,802
Net loans and leases to total assets52.2504%5,011
Net loans and leases to deposits69.7393%3,928
Net loans and leases to core deposits89.6995%2,020
Total domestic deposits to total assets74.9225%6,527
Equity capital to assets24.2467%115
Core capital (leverage) ratio24.2622%104
Tier 1 risk-based capital ratio29.4158%559
Total risk-based capital ratio30.6053%555
Memoranda:
Average total assets$104,590,5004,756
Average earning assets$93,803,5004,801
Average equity$24,651,5002,717
Average total loans$57,179,0004,878
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9840%5,694
Cost of funding earning assets0.5624%5,211
Net interest margin3.4215%4,998
Noninterest income to average assets1.0710%1,248
Noninterest expense to average assets1.8828%6,633
Loan and lease loss provision to assets0.4764%1,333
Net operating income to assets1.1224%1,969
Return on assets (ROA)1.1224%2,184
Pretax return on assets1.7723%1,090
Return on Equity (ROE)4.8077%4,899
Retained earnings to average equity (ytd only)4.8077%3,407
Net charge-offs to loans2.5264%276
Credit loss provision to net charge-offs34.5781%4,365
Earnings coverage of net charge-offs (x)1.6321%4,177
Efficiency ratio45.5720%6,901
Assets per employee ($millions)8.7368%355
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans5.1696%139
Loan loss allowance to noncurrent loans108.8138%2,976
Noncurrent assets plus other real estate owned to assets9.7681%280
Noncurrent loans to loans4.7509%1,071
Net loans and leases to total assets51.8433%5,120
Net loans and leases to deposits68.4099%4,134
Net loans and leases to core deposits91.7257%1,806
Total domestic deposits to total assets75.7833%6,490
Equity capital to assets23.6511%120
Core capital (leverage) ratio23.5386%108
Tier 1 risk-based capital ratio28.3860%620
Total risk-based capital ratio29.6006%608
Memoranda:
Average total assets$104,949,0004,777
Average earning assets$93,876,3304,822
Average equity$24,502,3302,720
Average total loans$57,234,6704,904
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0451%5,623
Cost of funding earning assets0.5937%5,180
Net interest margin3.4513%4,911
Noninterest income to average assets1.0400%1,337
Noninterest expense to average assets1.5123%7,050
Loan and lease loss provision to assets0.6666%804
Net operating income to assets1.1314%1,948
Return on assets (ROA)1.1314%2,132
Pretax return on assets1.9390%820
Return on Equity (ROE)4.8777%4,847
Retained earnings to average equity (ytd only)4.8777%3,626
Net charge-offs to loans5.1894%86
Credit loss provision to net charge-offs23.5849%3,728
Earnings coverage of net charge-offs (x)0.9218%3,866
Efficiency ratio36.7253%7,171
Assets per employee ($millions)8.9480%329
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.9774%180
Loan loss allowance to noncurrent loans91.9257%3,283
Noncurrent assets plus other real estate owned to assets9.9082%307
Noncurrent loans to loans5.4145%990
Net loans and leases to total assets51.0095%5,156
Net loans and leases to deposits66.7626%4,267
Net loans and leases to core deposits97.7565%1,144
Total domestic deposits to total assets76.4044%6,500
Equity capital to assets22.8207%128
Core capital (leverage) ratio22.9742%118
Tier 1 risk-based capital ratio27.0616%725
Total risk-based capital ratio28.3349%706
Memoranda:
Average total assets$105,003,0004,807
Average earning assets$93,645,0004,859
Average equity$24,355,5002,731
Average total loans$57,194,0004,936
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0406%6,382
Cost of funding earning assets0.5021%6,523
Net interest margin3.5385%4,988
Noninterest income to average assets0.5729%3,345
Noninterest expense to average assets1.7838%6,974
Loan and lease loss provision to assets0.3451%2,936
Net operating income to assets0.9486%2,420
Return on assets (ROA)0.9486%2,544
Pretax return on assets1.6684%1,060
Return on Equity (ROE)4.0620%4,818
Retained earnings to average equity (ytd only)4.0620%3,301
Net charge-offs to loans0.7104%2,384
Credit loss provision to net charge-offs86.8486%4,156
Earnings coverage of net charge-offs (x)5.0670%2,905
Efficiency ratio46.9748%7,002
Assets per employee ($millions)8.5525%385
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans6.0549%89
Loan loss allowance to noncurrent loans260.3030%1,268
Noncurrent assets plus other real estate owned to assets9.3403%373
Noncurrent loans to loans2.3261%2,828
Net loans and leases to total assets51.9449%5,317
Net loans and leases to deposits68.6944%4,331
Net loans and leases to core deposits99.7997%1,200
Total domestic deposits to total assets75.6173%6,531
Equity capital to assets23.5867%119
Core capital (leverage) ratio22.9305%123
Tier 1 risk-based capital ratio29.2419%553
Total risk-based capital ratio30.5272%543
Memoranda:
Average total assets$101,414,8004,857
Average earning assets$92,412,2004,844
Average equity$23,682,8002,706
Average total loans$56,729,2004,996
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9420%6,671
Cost of funding earning assets0.4759%6,794
Net interest margin3.4662%5,328
Noninterest income to average assets0.5736%3,350
Noninterest expense to average assets1.8092%6,988
Loan and lease loss provision to assets0.1978%4,047
Net operating income to assets1.0417%2,170
Return on assets (ROA)1.0417%2,321
Pretax return on assets1.7459%1,050
Return on Equity (ROE)4.4723%4,780
Retained earnings to average equity (ytd only)4.4723%3,539
Net charge-offs to loans0.9566%1,682
Credit loss provision to net charge-offs36.8550%5,301
Earnings coverage of net charge-offs (x)3.6216%3,364
Efficiency ratio48.2080%6,952
Assets per employee ($millions)9.0208%328
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans5.8919%98
Loan loss allowance to noncurrent loans138.2970%2,186
Noncurrent assets plus other real estate owned to assets8.8546%456
Noncurrent loans to loans4.2603%1,535
Net loans and leases to total assets47.6891%5,993
Net loans and leases to deposits61.8380%5,420
Net loans and leases to core deposits92.3769%1,953
Total domestic deposits to total assets77.1194%6,360
Equity capital to assets22.1942%167
Core capital (leverage) ratio25.0456%112
Tier 1 risk-based capital ratio26.7200%755
Total risk-based capital ratio27.9601%743
Memoranda:
Average total assets$101,111,0004,891
Average earning assets$92,741,7504,873
Average equity$23,551,7502,722
Average total loans$56,724,7505,050
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0148%6,638
Cost of funding earning assets0.4597%6,979
Net interest margin3.5551%4,904
Noninterest income to average assets0.4659%4,145
Noninterest expense to average assets1.9163%6,927
Loan and lease loss provision to assets0.3039%2,979
Net operating income to assets0.9723%2,348
Return on assets (ROA)0.9723%2,449
Pretax return on assets1.5355%1,420
Return on Equity (ROE)4.1036%4,882
Retained earnings to average equity (ytd only)4.1036%3,585
Net charge-offs to loans1.1927%1,313
Credit loss provision to net charge-offs43.8596%4,741
Earnings coverage of net charge-offs (x)2.6550%3,505
Efficiency ratio51.0248%6,871
Assets per employee ($millions)9.0287%326
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans5.9118%101
Loan loss allowance to noncurrent loans471.0000%703
Noncurrent assets plus other real estate owned to assets8.5112%513
Noncurrent loans to loans1.2552%4,561
Net loans and leases to total assets52.8344%5,459
Net loans and leases to deposits69.6880%4,474
Net loans and leases to core deposits121.0841%392
Total domestic deposits to total assets75.8156%6,625
Equity capital to assets23.7968%139
Core capital (leverage) ratio24.0029%125
Tier 1 risk-based capital ratio29.3080%572
Total risk-based capital ratio30.5928%558
Memoranda:
Average total assets$98,731,6704,994
Average earning assets$91,362,3304,950
Average equity$23,394,0002,713
Average total loans$57,348,0005,069
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9179%6,803
Cost of funding earning assets0.4224%7,178
Net interest margin3.4955%5,032
Noninterest income to average assets0.4551%4,234
Noninterest expense to average assets1.9504%6,907
Loan and lease loss provision to assets0.2032%3,605
Net operating income to assets0.9752%2,263
Return on assets (ROA)0.9752%2,325
Pretax return on assets1.5969%1,199
Return on Equity (ROE)4.1248%4,835
Retained earnings to average equity (ytd only)4.1248%3,691
Net charge-offs to loans-0.0688%6,986
Credit loss provision to net charge-offs-500.0000%5,952
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.0043%6,855
Assets per employee ($millions)9.0844%321
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans6.3050%86
Loan loss allowance to noncurrent loans159.4340%1,832
Noncurrent assets plus other real estate owned to assets4.8825%1,299
Noncurrent loans to loans3.9546%1,847
Net loans and leases to total assets52.7780%5,490
Net loans and leases to deposits69.3446%4,457
Net loans and leases to core deposits124.1525%337
Total domestic deposits to total assets76.1098%6,654
Equity capital to assets23.4109%138
Core capital (leverage) ratio24.2586%117
Tier 1 risk-based capital ratio37.0481%300
Total risk-based capital ratio38.3514%291
Memoranda:
Average total assets$98,439,5005,042
Average earning assets$92,805,0004,950
Average equity$23,274,0002,717
Average total loans$58,137,0005,082
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7886%5,453
Cost of funding earning assets0.4397%7,386
Net interest margin4.3490%1,649
Noninterest income to average assets0.6043%3,450
Noninterest expense to average assets2.1508%6,729
Loan and lease loss provision to assets0.9950%1,631
Net operating income to assets0.9214%2,312
Return on assets (ROA)0.9214%2,434
Pretax return on assets1.5499%1,250
Return on Equity (ROE)3.5022%4,754
Retained earnings to average equity (ytd only)3.5022%3,413
Net charge-offs to loans1.7102%1,263
Credit loss provision to net charge-offs80.4085%5,553
Earnings coverage of net charge-offs (x)2.0566%4,185
Efficiency ratio45.8038%7,361
Assets per employee ($millions)6.9251%771
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans5.8165%117
Loan loss allowance to noncurrent loans218.0625%1,389
Noncurrent assets plus other real estate owned to assets4.6426%1,429
Noncurrent loans to loans2.6673%2,850
Net loans and leases to total assets58.2727%4,982
Net loans and leases to deposits77.1603%3,645
Net loans and leases to core deposits143.2600%204
Total domestic deposits to total assets75.5217%6,696
Equity capital to assets23.8822%138
Core capital (leverage) ratio23.6478%140
Tier 1 risk-based capital ratio33.8425%380
Total risk-based capital ratio35.0907%372
Memoranda:
Average total assets$87,039,2005,378
Average earning assets$81,881,6005,280
Average equity$22,900,2002,777
Average total loans$62,974,0004,951
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9505%5,036
Cost of funding earning assets0.4411%7,525
Net interest margin4.5095%1,239
Noninterest income to average assets0.6133%3,361
Noninterest expense to average assets2.1853%6,646
Loan and lease loss provision to assets1.1037%1,315
Net operating income to assets0.9271%2,508
Return on assets (ROA)0.9271%2,643
Pretax return on assets1.5641%1,433
Return on Equity (ROE)3.4330%5,035
Retained earnings to average equity (ytd only)3.4330%4,038
Net charge-offs to loans1.7681%1,099
Credit loss provision to net charge-offs82.8402%5,045
Earnings coverage of net charge-offs (x)2.0024%4,215
Efficiency ratio45.0292%7,425
Assets per employee ($millions)7.1808%712
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans5.6411%121
Loan loss allowance to noncurrent loans95.6159%2,889
Noncurrent assets plus other real estate owned to assets5.0412%1,275
Noncurrent loans to loans5.8997%1,079
Net loans and leases to total assets59.1509%5,072
Net loans and leases to deposits77.3096%3,957
Net loans and leases to core deposits138.6034%271
Total domestic deposits to total assets76.5117%6,568
Equity capital to assets22.9939%166
Core capital (leverage) ratio26.9880%105
Tier 1 risk-based capital ratio34.0582%375
Total risk-based capital ratio35.3577%367
Memoranda:
Average total assets$84,561,2505,519
Average earning assets$79,504,5005,426
Average equity$22,836,7502,825
Average total loans$63,721,2504,993
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4020%2,968
Cost of funding earning assets0.4643%7,588
Net interest margin4.9376%492
Noninterest income to average assets0.7017%2,691
Noninterest expense to average assets2.2514%6,501
Loan and lease loss provision to assets1.2620%1,103
Net operating income to assets1.0601%1,981
Return on assets (ROA)1.0601%2,054
Pretax return on assets1.8047%880
Return on Equity (ROE)3.6933%4,925
Retained earnings to average equity (ytd only)3.6933%3,751
Net charge-offs to loans1.4135%1,349
Credit loss provision to net charge-offs110.6195%3,671
Earnings coverage of net charge-offs (x)2.6881%3,650
Efficiency ratio42.3351%7,572
Assets per employee ($millions)6.3652%1,020
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans5.9648%106
Loan loss allowance to noncurrent loans167.2021%1,689
Noncurrent assets plus other real estate owned to assets4.6419%1,407
Noncurrent loans to loans3.5674%2,210
Net loans and leases to total assets71.3887%2,568
Net loans and leases to deposits99.6206%758
Net loans and leases to core deposits147.8722%229
Total domestic deposits to total assets71.6606%7,212
Equity capital to assets27.7339%102
Core capital (leverage) ratio27.9266%95
Tier 1 risk-based capital ratio33.5193%389
Total risk-based capital ratio34.8222%383
Memoranda:
Average total assets$79,238,0005,722
Average earning assets$74,084,3305,636
Average equity$22,743,6702,829
Average total loans$63,955,0005,020
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4743%2,710
Cost of funding earning assets0.4517%7,735
Net interest margin5.0227%401
Noninterest income to average assets0.5317%3,798
Noninterest expense to average assets2.1889%6,715
Loan and lease loss provision to assets1.0325%1,200
Net operating income to assets1.1873%1,572
Return on assets (ROA)1.1873%1,648
Pretax return on assets2.0753%526
Return on Equity (ROE)4.0634%4,868
Retained earnings to average equity (ytd only)4.0634%3,717
Net charge-offs to loans-0.0186%7,057
Credit loss provision to net charge-offs-6,666.6667%6,670
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.3255%7,697
Assets per employee ($millions)6.2558%1,108
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans6.0788%96
Loan loss allowance to noncurrent loans96.9215%2,864
Noncurrent assets plus other real estate owned to assets4.9530%1,306
Noncurrent loans to loans6.2719%1,021
Net loans and leases to total assets74.1703%1,931
Net loans and leases to deposits104.3256%509
Net loans and leases to core deposits113.1116%1,088
Total domestic deposits to total assets71.0950%7,335
Equity capital to assets27.9816%106
Core capital (leverage) ratio29.6816%87
Tier 1 risk-based capital ratio34.1502%379
Total risk-based capital ratio35.4348%372
Memoranda:
Average total assets$77,483,5005,836
Average earning assets$73,506,5005,723
Average equity$22,641,0002,858
Average total loans$64,523,0005,062
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9264%6,649
Cost of funding earning assets0.7188%7,664
Net interest margin4.2076%2,039
Noninterest income to average assets0.5887%3,725
Noninterest expense to average assets3.0404%3,989
Loan and lease loss provision to assets0.1274%6,365
Net operating income to assets0.8193%2,454
Return on assets (ROA)0.8193%2,545
Pretax return on assets1.4565%1,298
Return on Equity (ROE)2.8788%4,561
Retained earnings to average equity (ytd only)2.4669%3,413
Net charge-offs to loans-0.5500%7,951
Credit loss provision to net charge-offs-30.1205%7,364
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7481%5,447
Assets per employee ($millions)5.6648%1,499
Cash dividends to net income (ytd only)*14.3079%3,796
Condition Ratios (%)
Loss allowance to loans5.7079%117
Loan loss allowance to noncurrent loans91.8570%3,044
Noncurrent assets plus other real estate owned to assets5.4697%1,074
Noncurrent loans to loans6.2138%998
Net loans and leases to total assets83.0002%542
Net loans and leases to deposits121.0093%164
Net loans and leases to core deposits174.9571%199
Total domestic deposits to total assets68.5899%7,511
Equity capital to assets30.5885%97
Core capital (leverage) ratio30.1569%101
Tier 1 risk-based capital ratio34.8032%347
Total risk-based capital ratio36.1072%341
Memoranda:
Average total assets$78,477,2005,773
Average earning assets$75,268,2005,627
Average equity$22,335,6002,906
Average total loans$60,366,4005,235
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7026%7,281
Cost of funding earning assets0.7465%7,763
Net interest margin3.9561%3,008
Noninterest income to average assets0.6308%3,486
Noninterest expense to average assets2.9231%4,355
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.9119%2,383
Return on assets (ROA)0.9119%2,451
Pretax return on assets1.5293%1,331
Return on Equity (ROE)3.2603%4,676
Retained earnings to average equity (ytd only)3.2603%3,491
Net charge-offs to loans-1.0598%8,040
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6520%5,429
Assets per employee ($millions)5.7104%1,426
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans5.9347%85
Loan loss allowance to noncurrent loans92.8252%2,958
Noncurrent assets plus other real estate owned to assets5.0384%1,161
Noncurrent loans to loans6.3934%906
Net loans and leases to total assets74.1288%2,487
Net loans and leases to deposits104.8754%714
Net loans and leases to core deposits145.7526%698
Total domestic deposits to total assets70.6827%7,357
Equity capital to assets28.1703%134
Core capital (leverage) ratio27.6030%143
Tier 1 risk-based capital ratio34.9645%384
Total risk-based capital ratio36.2702%380
Memoranda:
Average total assets$79,686,0005,775
Average earning assets$76,976,2505,596
Average equity$22,288,0002,935
Average total loans$59,252,2505,322
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6583%7,452
Cost of funding earning assets0.7863%7,835
Net interest margin3.8720%3,239
Noninterest income to average assets0.6834%3,093
Noninterest expense to average assets2.5779%5,827
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.1080%1,744
Return on assets (ROA)1.1080%1,824
Pretax return on assets1.8543%766
Return on Equity (ROE)3.9711%4,503
Retained earnings to average equity (ytd only)3.9711%3,073
Net charge-offs to loans-1.2793%8,129
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1633%6,840
Assets per employee ($millions)4.8691%2,238
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans6.0561%78
Loan loss allowance to noncurrent loans162.3829%1,822
Noncurrent assets plus other real estate owned to assets2.8766%2,226
Noncurrent loans to loans3.7295%1,859
Net loans and leases to total assets72.4588%3,099
Net loans and leases to deposits103.0185%986
Net loans and leases to core deposits143.7129%850
Total domestic deposits to total assets70.3357%7,436
Equity capital to assets28.7799%147
Core capital (leverage) ratio28.6688%152
Tier 1 risk-based capital ratio36.0930%390
Total risk-based capital ratio37.3698%388
Memoranda:
Average total assets$79,599,3305,811
Average earning assets$77,066,6705,631
Average equity$22,210,3302,947
Average total loans$58,002,3305,424
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5680%7,647
Cost of funding earning assets0.8231%7,886
Net interest margin3.7449%3,677
Noninterest income to average assets0.7906%2,379
Noninterest expense to average assets2.4265%6,109
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.2132%1,620
Return on assets (ROA)1.2132%1,729
Pretax return on assets1.9839%680
Return on Equity (ROE)4.4153%4,740
Retained earnings to average equity (ytd only)4.4153%3,459
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0169%7,100
Assets per employee ($millions)5.5746%1,503
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans5.5667%82
Loan loss allowance to noncurrent loans145.8278%2,213
Noncurrent assets plus other real estate owned to assets2.8715%1,984
Noncurrent loans to loans3.8173%1,613
Net loans and leases to total assets71.0343%3,459
Net loans and leases to deposits100.8312%1,302
Net loans and leases to core deposits135.9641%1,309
Total domestic deposits to total assets70.4487%7,386
Equity capital to assets28.4801%163
Core capital (leverage) ratio27.1191%189
Tier 1 risk-based capital ratio37.1659%377
Total risk-based capital ratio38.4204%372
Memoranda:
Average total assets$80,446,5005,806
Average earning assets$77,758,5005,634
Average equity$22,105,0002,960
Average total loans$56,959,5005,504
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0887%5,105
Cost of funding earning assets1.4032%7,733
Net interest margin4.6855%995
Noninterest income to average assets1.1132%1,261
Noninterest expense to average assets2.4852%6,071
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.8478%494
Return on assets (ROA)1.8478%479
Pretax return on assets3.1142%90
Return on Equity (ROE)7.2928%3,375
Retained earnings to average equity (ytd only)6.8619%1,201
Net charge-offs to loans-0.6823%8,226
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.3832%7,999
Assets per employee ($millions)5.1781%1,749
Cash dividends to net income (ytd only)*5.9088%4,770
Condition Ratios (%)
Loss allowance to loans5.9189%58
Loan loss allowance to noncurrent loans81.3948%4,075
Noncurrent assets plus other real estate owned to assets4.8462%738
Noncurrent loans to loans7.2718%401
Net loans and leases to total assets62.6984%5,509
Net loans and leases to deposits86.4943%4,038
Net loans and leases to core deposits114.4062%3,289
Total domestic deposits to total assets72.4885%6,915
Equity capital to assets26.5338%230
Core capital (leverage) ratio25.1272%261
Tier 1 risk-based capital ratio36.9070%396
Total risk-based capital ratio38.2085%387
Memoranda:
Average total assets$84,260,4005,554
Average earning assets$80,674,2005,411
Average equity$21,349,8003,059
Average total loans$54,667,2005,502