Home > Canyon Community Bank > Performance and Condition Ratios

Canyon Community Bank, Performance and Condition Ratios

2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3200%1,054
Cost of funding earning assets1.0119%2,565
Net interest margin4.3081%796
Noninterest income to average assets0.0700%4,429
Noninterest expense to average assets5.8989%175
Loan and lease loss provision to assets-0.0300%4,442
Net operating income to assets-1.6149%4,621
Return on assets (ROA)-1.6149%4,618
Pretax return on assets-1.6149%4,610
Return on Equity (ROE)-14.1100%4,597
Retained earnings to average equity (ytd only)-14.1144%4,554
Net charge-offs to loans-0.0017%3,511
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio138.6458%48
Assets per employee ($millions)7.8447%1,389
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.7465%4,111
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets54.1700%3,263
Net loans and leases to deposits67.9453%2,923
Net loans and leases to core deposits71.7098%3,027
Total domestic deposits to total assets79.7300%3,613
Equity capital to assets10.8501%1,445
Core capital (leverage) ratio10.9122%1,980
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.3448%231
Memoranda:
Average total assets$204,104,3332,975
Average earning assets$198,044,3332,902
Average equity$23,352,0002,605
Average total loans$116,153,6672,995
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8178%1,586
Cost of funding earning assets0.7788%2,808
Net interest margin4.0390%1,195
Noninterest income to average assets0.0600%4,506
Noninterest expense to average assets3.4402%579
Loan and lease loss provision to assets0.1000%1,106
Net operating income to assets0.4388%4,021
Return on assets (ROA)0.4388%3,973
Pretax return on assets0.4388%4,070
Return on Equity (ROE)3.7400%4,083
Retained earnings to average equity (ytd only)3.7391%3,340
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio86.4599%490
Assets per employee ($millions)7.8038%1,453
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.7465%4,183
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets57.4800%2,911
Net loans and leases to deposits71.4379%2,509
Net loans and leases to core deposits74.8376%2,614
Total domestic deposits to total assets80.4700%3,710
Equity capital to assets11.5020%1,153
Core capital (leverage) ratio12.4843%1,137
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio34.6528%196
Memoranda:
Average total assets$204,175,5003,008
Average earning assets$198,265,5002,941
Average equity$23,963,0002,603
Average total loans$118,568,0002,994
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8987%1,987
Cost of funding earning assets0.3442%2,525
Net interest margin3.5546%1,770
Noninterest income to average assets0.0600%4,553
Noninterest expense to average assets2.4497%2,269
Loan and lease loss provision to assets0.0700%1,594
Net operating income to assets1.0005%2,563
Return on assets (ROA)1.0005%2,512
Pretax return on assets1.0005%3,075
Return on Equity (ROE)9.6100%2,939
Retained earnings to average equity (ytd only)9.6058%1,276
Net charge-offs to loans-0.0009%3,346
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio69.6155%1,743
Assets per employee ($millions)6.8154%2,105
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.7072%4,203
Loan loss allowance to noncurrent loans10.4614%3,884
Noncurrent assets plus other real estate owned to assets3.9368%26
Noncurrent loans to loans6.7598%34
Net loans and leases to total assets57.8300%2,837
Net loans and leases to deposits66.4726%2,859
Net loans and leases to core deposits67.6779%3,032
Total domestic deposits to total assets86.9900%2,394
Equity capital to assets11.9865%939
Core capital (leverage) ratio11.6011%1,458
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio36.8628%172
Memoranda:
Average total assets$189,210,0003,109
Average earning assets$184,213,2003,041
Average equity$19,706,8002,978
Average total loans$110,608,0003,020
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5662%2,431
Cost of funding earning assets0.2084%3,171
Net interest margin3.3578%2,112
Noninterest income to average assets0.0400%4,631
Noninterest expense to average assets2.6780%1,516
Loan and lease loss provision to assets0.0900%1,168
Net operating income to assets0.5444%3,981
Return on assets (ROA)0.5444%3,923
Pretax return on assets0.5444%4,081
Return on Equity (ROE)5.4400%3,898
Retained earnings to average equity (ytd only)5.4441%2,940
Net charge-offs to loans-0.0012%3,202
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio80.7825%725
Assets per employee ($millions)7.7544%1,445
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.7279%4,211
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets49.3700%3,503
Net loans and leases to deposits55.4194%3,525
Net loans and leases to core deposits55.4194%3,664
Total domestic deposits to total assets89.0800%2,057
Equity capital to assets9.9970%1,627
Core capital (leverage) ratio10.7969%1,887
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio36.5049%174
Memoranda:
Average total assets$187,100,5003,152
Average earning assets$182,335,7503,076
Average equity$18,710,7503,098
Average total loans$109,483,2503,044
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3776%2,498
Cost of funding earning assets0.1719%3,288
Net interest margin3.2056%2,168
Noninterest income to average assets0.1387%4,323
Noninterest expense to average assets2.7517%1,263
Loan and lease loss provision to assets0.0802%1,217
Net operating income to assets0.4263%4,064
Return on assets (ROA)0.4263%4,012
Pretax return on assets0.4263%4,114
Return on Equity (ROE)4.2626%3,973
Retained earnings to average equity (ytd only)4.2626%2,991
Net charge-offs to loans-0.0018%3,119
Credit loss provision to net charge-offs-7,000.0000%3,820
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.4530%654
Assets per employee ($millions)6.2296%2,541
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.6955%4,340
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets55.7459%2,784
Net loans and leases to deposits62.3796%2,860
Net loans and leases to core deposits62.3796%3,084
Total domestic deposits to total assets89.3656%2,016
Equity capital to assets9.6847%1,891
Core capital (leverage) ratio10.8922%1,687
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.3112%188
Memoranda:
Average total assets$174,508,3333,292
Average earning assets$169,825,3333,217
Average equity$17,454,0003,277
Average total loans$108,701,6673,081
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1707%2,775
Cost of funding earning assets0.1719%3,195
Net interest margin2.9989%2,508
Noninterest income to average assets0.1477%4,268
Noninterest expense to average assets2.6295%1,527
Loan and lease loss provision to assets0.0242%1,926
Net operating income to assets0.4092%3,933
Return on assets (ROA)0.4092%3,897
Pretax return on assets0.4092%4,017
Return on Equity (ROE)4.0168%3,876
Retained earnings to average equity (ytd only)4.0168%2,930
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.8498%747
Assets per employee ($millions)5.8654%2,926
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.6302%4,486
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets64.2449%1,593
Net loans and leases to deposits77.7873%1,303
Net loans and leases to core deposits77.7873%1,629
Total domestic deposits to total assets82.5904%4,005
Equity capital to assets11.0573%1,304
Core capital (leverage) ratio12.1924%1,004
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio44.0820%92
Memoranda:
Average total assets$165,203,0003,380
Average earning assets$160,594,0003,322
Average equity$16,829,5003,412
Average total loans$108,847,5003,076
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6287%2,312
Cost of funding earning assets0.1545%3,920
Net interest margin3.4742%1,810
Noninterest income to average assets0.2120%4,102
Noninterest expense to average assets2.8044%1,350
Loan and lease loss provision to assets0.0068%2,942
Net operating income to assets0.7214%3,565
Return on assets (ROA)0.7214%3,628
Pretax return on assets0.7214%3,884
Return on Equity (ROE)7.7011%3,319
Retained earnings to average equity (ytd only)7.7011%1,659
Net charge-offs to loans-0.0010%3,280
Credit loss provision to net charge-offs-1,000.0000%3,914
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3864%844
Assets per employee ($millions)5.7254%3,027
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.6340%4,515
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets66.7713%1,401
Net loans and leases to deposits79.7611%1,238
Net loans and leases to core deposits79.7611%1,613
Total domestic deposits to total assets83.7141%3,633
Equity capital to assets9.2639%3,356
Core capital (leverage) ratio10.6109%1,831
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.4527%194
Memoranda:
Average total assets$147,622,6003,506
Average earning assets$141,096,8003,461
Average equity$13,829,2003,759
Average total loans$103,571,8003,152
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6959%2,287
Cost of funding earning assets0.1601%4,013
Net interest margin3.5358%1,768
Noninterest income to average assets0.2981%3,657
Noninterest expense to average assets2.9527%1,044
Loan and lease loss provision to assets0.0090%2,810
Net operating income to assets0.6996%3,768
Return on assets (ROA)0.6996%3,834
Pretax return on assets0.6996%4,065
Return on Equity (ROE)7.4456%3,549
Retained earnings to average equity (ytd only)7.4456%2,252
Net charge-offs to loans-0.0013%3,157
Credit loss provision to net charge-offs-1,000.0000%3,849
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6403%710
Assets per employee ($millions)5.8450%2,838
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.6948%4,515
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets66.8022%1,451
Net loans and leases to deposits81.7825%1,128
Net loans and leases to core deposits81.7825%1,587
Total domestic deposits to total assets81.6827%3,982
Equity capital to assets9.9881%2,912
Core capital (leverage) ratio11.1197%1,595
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.5080%161
Memoranda:
Average total assets$144,450,7503,575
Average earning assets$137,408,7503,537
Average equity$13,573,7503,829
Average total loans$102,533,7503,210
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6036%2,609
Cost of funding earning assets0.1682%4,057
Net interest margin3.4354%2,047
Noninterest income to average assets0.2933%3,670
Noninterest expense to average assets2.7618%1,438
Loan and lease loss provision to assets0.0139%2,678
Net operating income to assets0.7825%3,558
Return on assets (ROA)0.7825%3,624
Pretax return on assets0.7825%3,905
Return on Equity (ROE)8.5088%3,259
Retained earnings to average equity (ytd only)8.5088%1,890
Net charge-offs to loans-0.0019%3,194
Credit loss provision to net charge-offs-1,000.0000%3,647
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6172%944
Assets per employee ($millions)5.2640%3,394
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.6722%4,576
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets71.0066%1,081
Net loans and leases to deposits90.4594%621
Net loans and leases to core deposits90.4594%1,109
Total domestic deposits to total assets78.4956%4,386
Equity capital to assets10.1527%2,721
Core capital (leverage) ratio10.7111%1,787
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.3507%170
Memoranda:
Average total assets$143,893,0003,589
Average earning assets$136,750,6673,553
Average equity$13,233,3333,871
Average total loans$103,946,0003,207
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5868%2,683
Cost of funding earning assets0.1716%4,150
Net interest margin3.4152%2,070
Noninterest income to average assets0.2017%4,175
Noninterest expense to average assets2.9066%1,142
Loan and lease loss provision to assets0.0276%2,423
Net operating income to assets0.5111%4,153
Return on assets (ROA)0.5111%4,188
Pretax return on assets0.5111%4,326
Return on Equity (ROE)5.8567%3,894
Retained earnings to average equity (ytd only)5.8567%2,941
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.3625%578
Assets per employee ($millions)6.0879%2,508
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.6245%4,664
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets71.3071%1,114
Net loans and leases to deposits93.5578%516
Net loans and leases to core deposits93.5788%1,009
Total domestic deposits to total assets76.2172%4,572
Equity capital to assets9.2347%3,466
Core capital (leverage) ratio11.5076%1,409
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.5520%200
Memoranda:
Average total assets$144,775,0003,578
Average earning assets$137,504,0003,547
Average equity$12,635,0003,938
Average total loans$105,117,0003,198
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0744%4,582
Cost of funding earning assets0.2038%4,571
Net interest margin2.8706%4,165
Noninterest income to average assets0.2280%4,136
Noninterest expense to average assets3.2382%990
Loan and lease loss provision to assets0.1789%2,154
Net operating income to assets-0.5086%4,882
Return on assets (ROA)-0.5086%4,886
Pretax return on assets-0.5086%4,878
Return on Equity (ROE)-5.1273%4,895
Retained earnings to average equity (ytd only)-5.1273%4,833
Net charge-offs to loans-0.0015%3,962
Credit loss provision to net charge-offs-20,400.0000%4,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.3355%115
Assets per employee ($millions)6.2433%2,129
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.6652%4,644
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets73.0619%1,151
Net loans and leases to deposits93.9397%660
Net loans and leases to core deposits95.0834%1,177
Total domestic deposits to total assets77.7754%4,341
Equity capital to assets8.1652%4,636
Core capital (leverage) ratio9.9203%2,679
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.9714%391
Memoranda:
Average total assets$114,045,2003,822
Average earning assets$106,492,8003,820
Average equity$11,312,0004,045
Average total loans$68,656,4003,766
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8132%4,826
Cost of funding earning assets0.2015%4,671
Net interest margin2.6117%4,559
Noninterest income to average assets0.2156%4,193
Noninterest expense to average assets3.2785%940
Loan and lease loss provision to assets0.1220%2,807
Net operating income to assets-0.7577%4,923
Return on assets (ROA)-0.7577%4,932
Pretax return on assets-0.7577%4,920
Return on Equity (ROE)-7.2333%4,941
Retained earnings to average equity (ytd only)-7.2333%4,891
Net charge-offs to loans-0.0022%3,897
Credit loss provision to net charge-offs-9,900.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.0559%67
Assets per employee ($millions)5.9765%2,288
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.6777%4,609
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets66.2059%2,495
Net loans and leases to deposits92.8901%1,008
Net loans and leases to core deposits93.3042%1,689
Total domestic deposits to total assets71.2733%4,707
Equity capital to assets8.9174%4,172
Core capital (leverage) ratio10.8388%1,999
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio28.4771%293
Memoranda:
Average total assets$108,218,5003,898
Average earning assets$100,570,2503,884
Average equity$11,336,2504,055
Average total loans$60,564,5003,924
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8702%4,886
Cost of funding earning assets0.2068%4,749
Net interest margin2.6633%4,594
Noninterest income to average assets0.2089%4,235
Noninterest expense to average assets3.4161%836
Loan and lease loss provision to assets0.1113%2,898
Net operating income to assets-0.8550%4,953
Return on assets (ROA)-0.8550%4,948
Pretax return on assets-0.8550%4,938
Return on Equity (ROE)-7.6948%4,964
Retained earnings to average equity (ytd only)-7.6948%4,869
Net charge-offs to loans-0.0038%3,930
Credit loss provision to net charge-offs-5,600.0000%4,117
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio127.8305%70
Assets per employee ($millions)5.9709%2,210
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6909%4,585
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets63.0751%2,995
Net loans and leases to deposits79.0179%2,538
Net loans and leases to core deposits79.3467%2,997
Total domestic deposits to total assets79.8238%3,872
Equity capital to assets9.5011%3,661
Core capital (leverage) ratio10.1685%2,673
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.1609%236
Memoranda:
Average total assets$102,455,6673,961
Average earning assets$94,768,3333,956
Average equity$11,384,3334,062
Average total loans$52,866,0004,082
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0020%4,956
Cost of funding earning assets0.2270%4,826
Net interest margin2.7750%4,592
Noninterest income to average assets0.2171%4,253
Noninterest expense to average assets3.5158%913
Loan and lease loss provision to assets0.2426%1,283
Net operating income to assets-0.9918%4,989
Return on assets (ROA)-0.9918%4,970
Pretax return on assets-0.9918%4,956
Return on Equity (ROE)-8.1729%4,979
Retained earnings to average equity (ytd only)-8.1729%4,698
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio127.0769%85
Assets per employee ($millions)4.4262%3,372
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2005%2,672
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets46.3061%4,411
Net loans and leases to deposits53.8341%4,453
Net loans and leases to core deposits54.1001%4,566
Total domestic deposits to total assets86.0163%1,997
Equity capital to assets12.1774%1,940
Core capital (leverage) ratio12.0708%1,687
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.8222%252
Memoranda:
Average total assets$93,974,5004,077
Average earning assets$86,343,5004,074
Average equity$11,403,5004,079
Average total loans$41,375,5004,341
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1477%5,014
Cost of funding earning assets0.2368%4,883
Net interest margin2.9108%4,642
Noninterest income to average assets0.3201%3,776
Noninterest expense to average assets3.4299%1,062
Loan and lease loss provision to assets-0.0790%5,049
Net operating income to assets-0.3517%5,039
Return on assets (ROA)-0.3528%5,046
Pretax return on assets-0.3528%5,043
Return on Equity (ROE)-2.9016%5,045
Retained earnings to average equity (ytd only)-2.9016%4,907
Net charge-offs to loans-0.0053%4,356
Credit loss provision to net charge-offs3,750.0000%114
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.3610%90
Assets per employee ($millions)5.2777%2,266
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.1892%2,498
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets40.7588%4,706
Net loans and leases to deposits48.2186%4,739
Net loans and leases to core deposits48.6603%4,779
Total domestic deposits to total assets84.5291%2,669
Equity capital to assets12.0929%2,082
Core capital (leverage) ratio12.1050%1,713
Tier 1 risk-based capital ratio34.1808%351
Total risk-based capital ratio35.4327%342
Memoranda:
Average total assets$94,960,0004,076
Average earning assets$87,397,6004,076
Average equity$11,545,2004,048
Average total loans$38,000,0004,449
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1749%5,099
Cost of funding earning assets0.2367%4,959
Net interest margin2.9382%4,711
Noninterest income to average assets0.1769%4,661
Noninterest expense to average assets3.2872%1,299
Loan and lease loss provision to assets-0.1053%5,165
Net operating income to assets-0.3033%5,117
Return on assets (ROA)-0.3047%5,124
Pretax return on assets-0.3047%5,117
Return on Equity (ROE)-2.5030%5,128
Retained earnings to average equity (ytd only)-2.5030%4,962
Net charge-offs to loans-0.0035%4,131
Credit loss provision to net charge-offs7,500.0000%52
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.1951%92
Assets per employee ($millions)5.0742%2,473
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.1854%2,584
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets40.2940%4,806
Net loans and leases to deposits47.6604%4,829
Net loans and leases to core deposits47.8565%4,878
Total domestic deposits to total assets84.5440%2,607
Equity capital to assets12.0258%2,241
Core capital (leverage) ratio12.0480%1,818
Tier 1 risk-based capital ratio34.4174%362
Total risk-based capital ratio35.6682%352
Memoranda:
Average total assets$94,950,5004,120
Average earning assets$87,308,2504,128
Average equity$11,559,5004,088
Average total loans$37,703,5004,512
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1311%5,174
Cost of funding earning assets0.2327%5,002
Net interest margin2.8984%4,824
Noninterest income to average assets0.1715%4,727
Noninterest expense to average assets3.2436%1,421
Loan and lease loss provision to assets-0.1588%5,235
Net operating income to assets-0.2498%5,158
Return on assets (ROA)-0.2498%5,163
Pretax return on assets-0.2498%5,156
Return on Equity (ROE)-2.0436%5,163
Retained earnings to average equity (ytd only)-2.0436%4,911
Net charge-offs to loans-0.0054%4,144
Credit loss provision to net charge-offs7,500.0000%41
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.4137%85
Assets per employee ($millions)4.8981%2,604
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.3116%1,965
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets37.6777%4,923
Net loans and leases to deposits44.9412%4,930
Net loans and leases to core deposits45.3082%4,976
Total domestic deposits to total assets83.8378%2,937
Equity capital to assets12.5281%1,838
Core capital (leverage) ratio12.5345%1,521
Tier 1 risk-based capital ratio39.8291%236
Total risk-based capital ratio41.0821%231
Memoranda:
Average total assets$94,464,3304,153
Average earning assets$86,807,6704,158
Average equity$11,548,0004,105
Average total loans$37,167,0004,567
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2528%5,193
Cost of funding earning assets0.2242%5,056
Net interest margin3.0286%4,708
Noninterest income to average assets0.1555%4,809
Noninterest expense to average assets3.1062%1,720
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets-0.1681%5,199
Return on assets (ROA)-0.1681%5,197
Pretax return on assets-0.1681%5,191
Return on Equity (ROE)-1.3922%5,201
Retained earnings to average equity (ytd only)-1.3922%4,697
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio105.7225%128
Assets per employee ($millions)4.3400%3,430
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4326%1,558
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets38.9122%4,923
Net loans and leases to deposits45.8283%4,935
Net loans and leases to core deposits46.3705%4,979
Total domestic deposits to total assets84.9087%2,712
Equity capital to assets12.0707%1,979
Core capital (leverage) ratio12.3670%1,576
Tier 1 risk-based capital ratio37.0205%276
Total risk-based capital ratio38.2773%271
Memoranda:
Average total assets$95,165,0004,179
Average earning assets$87,433,0004,193
Average equity$11,492,5004,129
Average total loans$37,985,5004,595
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8197%5,287
Cost of funding earning assets0.1846%5,061
Net interest margin2.6351%5,136
Noninterest income to average assets0.2321%4,522
Noninterest expense to average assets3.3894%1,170
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets-0.8075%5,334
Return on assets (ROA)-0.8096%5,328
Pretax return on assets-0.7466%5,325
Return on Equity (ROE)-6.5469%5,325
Retained earnings to average equity (ytd only)-6.5469%5,271
Net charge-offs to loans-0.2691%5,301
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio128.1461%45
Assets per employee ($millions)4.3114%3,441
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.4107%1,595
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets39.7866%4,954
Net loans and leases to deposits46.5901%4,972
Net loans and leases to core deposits47.5937%4,995
Total domestic deposits to total assets85.3971%2,470
Equity capital to assets12.0821%1,833
Core capital (leverage) ratio12.5233%1,443
Tier 1 risk-based capital ratio35.8193%301
Total risk-based capital ratio37.0733%297
Memoranda:
Average total assets$95,236,8004,181
Average earning assets$87,208,8004,201
Average equity$11,776,6004,051
Average total loans$29,724,0004,823
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6468%5,390
Cost of funding earning assets0.1788%5,099
Net interest margin2.4680%5,293
Noninterest income to average assets0.2433%4,521
Noninterest expense to average assets3.3594%1,178
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets-0.8573%5,416
Return on assets (ROA)-0.8601%5,410
Pretax return on assets-0.8601%5,408
Return on Equity (ROE)-6.9163%5,406
Retained earnings to average equity (ytd only)-6.9163%5,351
Net charge-offs to loans-0.0048%4,222
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio134.2650%37
Assets per employee ($millions)3.9091%4,030
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2728%2,240
Loan loss allowance to noncurrent loans286.3354%1,706
Noncurrent assets plus other real estate owned to assets0.1716%4,094
Noncurrent loans to loans0.4445%3,064
Net loans and leases to total assets38.1138%5,078
Net loans and leases to deposits43.9115%5,114
Net loans and leases to core deposits44.8500%5,140
Total domestic deposits to total assets86.7969%1,825
Equity capital to assets12.1958%1,772
Core capital (leverage) ratio12.6906%1,424
Tier 1 risk-based capital ratio36.3683%292
Total risk-based capital ratio37.6193%285
Memoranda:
Average total assets$95,333,2504,220
Average earning assets$87,246,5004,242
Average equity$11,855,7504,088
Average total loans$27,585,5004,927
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5679%5,464
Cost of funding earning assets0.1802%5,109
Net interest margin2.3877%5,387
Noninterest income to average assets0.2629%4,430
Noninterest expense to average assets3.2388%1,455
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets-0.7909%5,463
Return on assets (ROA)-0.7909%5,457
Pretax return on assets-0.7909%5,457
Return on Equity (ROE)-6.3200%5,453
Retained earnings to average equity (ytd only)-6.3200%5,339
Net charge-offs to loans-0.0081%4,247
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio132.3103%48
Assets per employee ($millions)4.1479%3,655
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.9738%541
Loan loss allowance to noncurrent loans254.6961%1,881
Noncurrent assets plus other real estate owned to assets0.1897%4,033
Noncurrent loans to loans0.7750%2,186
Net loans and leases to total assets23.9987%5,413
Net loans and leases to deposits27.8491%5,417
Net loans and leases to core deposits28.4008%5,419
Total domestic deposits to total assets86.1741%2,203
Equity capital to assets12.2881%1,671
Core capital (leverage) ratio12.3884%1,495
Tier 1 risk-based capital ratio39.1871%240
Total risk-based capital ratio40.4417%238
Memoranda:
Average total assets$95,838,0004,250
Average earning assets$87,697,6704,261
Average equity$11,993,6704,080
Average total loans$24,707,6705,065
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5330%5,528
Cost of funding earning assets0.1777%5,125
Net interest margin2.3553%5,457
Noninterest income to average assets0.3206%4,012
Noninterest expense to average assets3.1232%1,760
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets-0.6496%5,514
Return on assets (ROA)-0.6496%5,512
Pretax return on assets-0.6496%5,508
Return on Equity (ROE)-5.1447%5,500
Retained earnings to average equity (ytd only)-5.1447%5,212
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio126.2626%55
Assets per employee ($millions)4.1405%3,743
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.9782%568
Loan loss allowance to noncurrent loans250.0000%1,894
Noncurrent assets plus other real estate owned to assets0.1932%4,116
Noncurrent loans to loans0.7913%2,231
Net loans and leases to total assets23.9342%5,467
Net loans and leases to deposits27.8524%5,474
Net loans and leases to core deposits28.3965%5,476
Total domestic deposits to total assets85.9322%2,572
Equity capital to assets12.5546%1,449
Core capital (leverage) ratio11.7440%1,818
Tier 1 risk-based capital ratio35.6893%315
Total risk-based capital ratio36.9427%314
Memoranda:
Average total assets$96,056,5004,287
Average earning assets$87,800,5004,306
Average equity$12,129,0004,101
Average total loans$25,383,5005,094
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8408%5,442
Cost of funding earning assets0.1669%5,177
Net interest margin2.6739%5,298
Noninterest income to average assets0.2746%4,485
Noninterest expense to average assets3.2889%1,399
Loan and lease loss provision to assets-0.4943%5,651
Net operating income to assets-0.0912%5,415
Return on assets (ROA)-0.1066%5,424
Pretax return on assets-0.1066%5,471
Return on Equity (ROE)-0.7873%5,417
Retained earnings to average equity (ytd only)-0.7873%5,160
Net charge-offs to loans-0.8860%5,626
Credit loss provision to net charge-offs182.9268%1,482
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.6579%63
Assets per employee ($millions)3.8752%4,150
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.6719%992
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets27.9250%5,470
Net loans and leases to deposits32.6416%5,485
Net loans and leases to core deposits33.2678%5,497
Total domestic deposits to total assets85.5503%2,633
Equity capital to assets12.6981%1,409
Core capital (leverage) ratio13.0254%1,133
Tier 1 risk-based capital ratio35.3014%313
Total risk-based capital ratio36.5515%305
Memoranda:
Average total assets$91,034,8004,411
Average earning assets$82,688,6004,426
Average equity$12,320,6004,082
Average total loans$27,764,6005,070
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9421%5,449
Cost of funding earning assets0.1609%5,247
Net interest margin2.7812%5,250
Noninterest income to average assets0.2501%4,711
Noninterest expense to average assets3.1005%1,801
Loan and lease loss provision to assets-0.2233%5,666
Net operating income to assets-0.1057%5,552
Return on assets (ROA)-0.1265%5,563
Pretax return on assets-0.1265%5,553
Return on Equity (ROE)-0.9195%5,555
Retained earnings to average equity (ytd only)-0.9195%5,340
Net charge-offs to loans-1.1787%5,690
Credit loss provision to net charge-offs60.9756%2,797
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.8690%87
Assets per employee ($millions)3.8681%4,210
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans2.6652%219
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets28.7026%5,528
Net loans and leases to deposits33.7348%5,531
Net loans and leases to core deposits34.1192%5,551
Total domestic deposits to total assets85.0830%2,684
Equity capital to assets12.7836%1,497
Core capital (leverage) ratio13.0918%1,175
Tier 1 risk-based capital ratio34.5351%335
Total risk-based capital ratio35.7978%329
Memoranda:
Average total assets$89,573,2504,476
Average earning assets$81,209,7504,485
Average equity$12,325,2504,120
Average total loans$27,827,2505,127
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7680%5,570
Cost of funding earning assets0.1548%5,308
Net interest margin2.6133%5,427
Noninterest income to average assets0.2661%4,638
Noninterest expense to average assets3.0873%1,870
Loan and lease loss provision to assets-0.3440%5,740
Net operating income to assets-0.1147%5,588
Return on assets (ROA)-0.1468%5,600
Pretax return on assets-0.1468%5,594
Return on Equity (ROE)-1.0396%5,593
Retained earnings to average equity (ytd only)-1.0396%5,240
Net charge-offs to loans-2.3408%5,743
Credit loss provision to net charge-offs46.4396%2,596
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio117.4520%72
Assets per employee ($millions)3.6997%4,436
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans2.9894%164
Loan loss allowance to noncurrent loans119.5714%3,236
Noncurrent assets plus other real estate owned to assets0.7568%2,313
Noncurrent loans to loans2.5001%601
Net loans and leases to total assets29.3669%5,559
Net loans and leases to deposits34.8253%5,558
Net loans and leases to core deposits34.8253%5,587
Total domestic deposits to total assets84.3262%3,077
Equity capital to assets13.4249%1,176
Core capital (leverage) ratio13.7627%921
Tier 1 risk-based capital ratio35.2113%298
Total risk-based capital ratio36.4744%292
Memoranda:
Average total assets$87,197,0004,540
Average earning assets$78,828,6704,552
Average equity$12,313,0004,142
Average total loans$27,597,6705,173
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6811%5,651
Cost of funding earning assets0.1525%5,355
Net interest margin2.5286%5,524
Noninterest income to average assets0.2886%4,491
Noninterest expense to average assets3.0799%1,919
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets-0.5157%5,741
Return on assets (ROA)-0.5157%5,738
Pretax return on assets-0.5157%5,730
Return on Equity (ROE)-3.5560%5,716
Retained earnings to average equity (ytd only)-3.5560%5,299
Net charge-offs to loans-4.5698%5,815
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio120.1107%74
Assets per employee ($millions)3.6349%4,598
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans3.6341%109
Loan loss allowance to noncurrent loans133.8356%3,049
Noncurrent assets plus other real estate owned to assets0.8033%2,294
Noncurrent loans to loans2.7154%552
Net loans and leases to total assets28.5093%5,618
Net loans and leases to deposits33.7146%5,620
Net loans and leases to core deposits33.7146%5,655
Total domestic deposits to total assets84.5607%3,276
Equity capital to assets13.4585%1,081
Core capital (leverage) ratio14.0713%825
Tier 1 risk-based capital ratio36.2625%294
Total risk-based capital ratio37.5334%286
Memoranda:
Average total assets$84,549,5004,628
Average earning assets$76,088,5004,651
Average equity$12,261,0004,173
Average total loans$27,397,0005,233
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9724%5,523
Cost of funding earning assets0.1077%5,669
Net interest margin2.8648%5,191
Noninterest income to average assets0.3735%4,076
Noninterest expense to average assets3.6838%903
Loan and lease loss provision to assets0.0382%3,610
Net operating income to assets-0.8387%5,822
Return on assets (ROA)-0.8387%5,827
Pretax return on assets-0.8387%5,819
Return on Equity (ROE)-5.0559%5,789
Retained earnings to average equity (ytd only)-5.0559%5,676
Net charge-offs to loans-0.1013%5,599
Credit loss provision to net charge-offs-96.7742%4,894
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio127.7630%66
Assets per employee ($millions)3.4012%4,903
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans2.3791%366
Loan loss allowance to noncurrent loans118.7835%3,277
Noncurrent assets plus other real estate owned to assets0.7146%2,584
Noncurrent loans to loans2.0029%902
Net loans and leases to total assets34.8294%5,527
Net loans and leases to deposits42.6879%5,470
Net loans and leases to core deposits42.6879%5,532
Total domestic deposits to total assets81.5908%4,184
Equity capital to assets15.7132%532
Core capital (leverage) ratio16.4552%405
Tier 1 risk-based capital ratio35.2169%313
Total risk-based capital ratio36.4739%309
Memoranda:
Average total assets$78,450,8004,757
Average earning assets$68,732,0004,834
Average equity$13,014,4004,085
Average total loans$30,609,4005,171
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0203%5,551
Cost of funding earning assets0.1071%5,742
Net interest margin2.9132%5,165
Noninterest income to average assets0.4518%3,551
Noninterest expense to average assets3.5138%1,126
Loan and lease loss provision to assets0.0459%3,325
Net operating income to assets-0.5672%5,866
Return on assets (ROA)-0.5672%5,868
Pretax return on assets-0.5672%5,859
Return on Equity (ROE)-3.3749%5,842
Retained earnings to average equity (ytd only)-3.3749%5,671
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio117.4234%89
Assets per employee ($millions)3.3720%4,952
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.2733%454
Loan loss allowance to noncurrent loans96.6258%3,694
Noncurrent assets plus other real estate owned to assets0.8407%2,443
Noncurrent loans to loans2.3527%776
Net loans and leases to total assets34.9206%5,592
Net loans and leases to deposits43.0196%5,546
Net loans and leases to core deposits43.0196%5,610
Total domestic deposits to total assets81.1736%4,203
Equity capital to assets16.7556%454
Core capital (leverage) ratio16.6274%398
Tier 1 risk-based capital ratio33.9396%356
Total risk-based capital ratio35.1937%353
Memoranda:
Average total assets$78,506,7504,796
Average earning assets$68,469,0004,878
Average equity$13,195,0004,099
Average total loans$31,284,2505,206
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8739%5,755
Cost of funding earning assets0.1103%5,806
Net interest margin2.7636%5,491
Noninterest income to average assets0.4187%3,750
Noninterest expense to average assets3.3163%1,559
Loan and lease loss provision to assets0.0685%2,769
Net operating income to assets-0.5506%5,929
Return on assets (ROA)-0.5506%5,931
Pretax return on assets-0.5506%5,924
Return on Equity (ROE)-3.2726%5,905
Retained earnings to average equity (ytd only)-3.2726%5,655
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio117.0098%102
Assets per employee ($millions)3.5786%4,629
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.9837%763
Loan loss allowance to noncurrent loans94.3114%3,824
Noncurrent assets plus other real estate owned to assets0.8485%2,476
Noncurrent loans to loans2.1033%927
Net loans and leases to total assets39.5394%5,443
Net loans and leases to deposits48.0905%5,417
Net loans and leases to core deposits48.0905%5,498
Total domestic deposits to total assets82.2188%3,932
Equity capital to assets16.7041%466
Core capital (leverage) ratio16.7759%385
Tier 1 risk-based capital ratio32.2771%408
Total risk-based capital ratio33.5303%399
Memoranda:
Average total assets$78,823,6704,840
Average earning assets$68,895,6704,910
Average equity$13,261,6704,112
Average total loans$32,474,6705,220
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8411%5,827
Cost of funding earning assets0.1102%5,867
Net interest margin2.7310%5,572
Noninterest income to average assets0.5274%2,951
Noninterest expense to average assets3.2965%1,613
Loan and lease loss provision to assets0.0659%2,642
Net operating income to assets-0.4463%5,950
Return on assets (ROA)-0.4463%5,958
Pretax return on assets-0.4463%5,947
Return on Equity (ROE)-2.6432%5,929
Retained earnings to average equity (ytd only)-2.6432%5,444
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.0435%139
Assets per employee ($millions)3.7493%4,393
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.8826%995
Loan loss allowance to noncurrent loans86.6385%3,936
Noncurrent assets plus other real estate owned to assets0.9030%2,431
Noncurrent loans to loans2.1729%953
Net loans and leases to total assets40.7755%5,414
Net loans and leases to deposits49.5899%5,365
Net loans and leases to core deposits49.9588%5,440
Total domestic deposits to total assets82.2254%4,143
Equity capital to assets16.8805%432
Core capital (leverage) ratio16.7283%396
Tier 1 risk-based capital ratio31.4735%448
Total risk-based capital ratio32.7263%443
Memoranda:
Average total assets$78,871,0004,883
Average earning assets$68,986,5004,953
Average equity$13,317,0004,114
Average total loans$32,832,5005,240
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1613%5,561
Cost of funding earning assets0.1182%5,886
Net interest margin3.0431%5,041
Noninterest income to average assets0.6335%2,544
Noninterest expense to average assets4.2054%538
Loan and lease loss provision to assets-1.0392%6,175
Net operating income to assets0.0792%5,782
Return on assets (ROA)0.0792%5,823
Pretax return on assets0.0792%5,815
Return on Equity (ROE)0.9131%5,788
Retained earnings to average equity (ytd only)0.9131%5,157
Net charge-offs to loans-1.5681%6,135
Credit loss provision to net charge-offs140.6015%1,873
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio129.5805%70
Assets per employee ($millions)3.1602%5,336
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.8304%1,080
Loan loss allowance to noncurrent loans39.3860%5,127
Noncurrent assets plus other real estate owned to assets1.9429%921
Noncurrent loans to loans4.6473%224
Net loans and leases to total assets40.9349%5,468
Net loans and leases to deposits49.6805%5,410
Net loans and leases to core deposits50.0472%5,495
Total domestic deposits to total assets82.3963%4,053
Equity capital to assets16.8886%422
Core capital (leverage) ratio18.5273%262
Tier 1 risk-based capital ratio31.1769%458
Total risk-based capital ratio32.4307%453
Memoranda:
Average total assets$71,978,2005,044
Average earning assets$61,779,0005,133
Average equity$6,242,2005,384
Average total loans$33,926,6005,226
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2675%5,465
Cost of funding earning assets0.1202%5,978
Net interest margin3.1473%4,825
Noninterest income to average assets0.5810%2,846
Noninterest expense to average assets4.3253%477
Loan and lease loss provision to assets-1.4981%6,265
Net operating income to assets0.4386%5,014
Return on assets (ROA)0.4386%5,109
Pretax return on assets0.4386%5,378
Return on Equity (ROE)6.8948%3,688
Retained earnings to average equity (ytd only)6.8948%1,740
Net charge-offs to loans-2.1069%6,223
Credit loss provision to net charge-offs146.1111%1,717
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio132.4419%67
Assets per employee ($millions)2.9244%5,627
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6978%1,471
Loan loss allowance to noncurrent loans34.8837%5,321
Noncurrent assets plus other real estate owned to assets2.5498%669
Noncurrent loans to loans4.8670%218
Net loans and leases to total assets49.0671%5,010
Net loans and leases to deposits53.9141%5,256
Net loans and leases to core deposits54.3367%5,386
Total domestic deposits to total assets91.0096%241
Equity capital to assets6.8167%6,162
Core capital (leverage) ratio6.6150%6,164
Tier 1 risk-based capital ratio10.2689%5,958
Total risk-based capital ratio11.5203%5,901
Memoranda:
Average total assets$70,221,2505,152
Average earning assets$59,901,2505,253
Average equity$4,467,0005,840
Average total loans$34,172,2505,274
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2088%5,608
Cost of funding earning assets0.1151%6,064
Net interest margin3.0937%4,985
Noninterest income to average assets0.6151%2,654
Noninterest expense to average assets4.2776%504
Loan and lease loss provision to assets-2.2132%6,344
Net operating income to assets1.1937%1,620
Return on assets (ROA)1.1937%1,696
Pretax return on assets1.1937%2,802
Return on Equity (ROE)19.1975%315
Retained earnings to average equity (ytd only)19.1975%81
Net charge-offs to loans-4.5095%6,303
Credit loss provision to net charge-offs101.6774%2,020
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio131.2931%73
Assets per employee ($millions)2.8172%5,802
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.3756%570
Loan loss allowance to noncurrent loans42.0668%5,211
Noncurrent assets plus other real estate owned to assets2.9536%574
Noncurrent loans to loans5.6473%179
Net loans and leases to total assets48.9883%5,011
Net loans and leases to deposits53.7433%5,273
Net loans and leases to core deposits54.1607%5,410
Total domestic deposits to total assets91.1525%265
Equity capital to assets7.0254%6,190
Core capital (leverage) ratio6.7269%6,220
Tier 1 risk-based capital ratio10.7013%5,841
Total risk-based capital ratio11.9591%5,776
Memoranda:
Average total assets$71,208,0005,177
Average earning assets$60,832,6705,284
Average equity$4,427,6705,912
Average total loans$34,372,0005,315
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0440%5,849
Cost of funding earning assets0.1087%6,168
Net interest margin2.9353%5,377
Noninterest income to average assets0.6356%2,467
Noninterest expense to average assets4.1914%562
Loan and lease loss provision to assets0.1589%1,278
Net operating income to assets-1.1999%6,334
Return on assets (ROA)-1.1999%6,338
Pretax return on assets-1.1999%6,329
Return on Equity (ROE)-20.5321%6,358
Retained earnings to average equity (ytd only)-20.5321%6,276
Net charge-offs to loans0.4163%587
Credit loss provision to net charge-offs80.5556%1,821
Earnings coverage of net charge-offs (x)-5.2778%3,232
Efficiency ratio133.0435%77
Assets per employee ($millions)3.0108%5,650
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.4074%604
Loan loss allowance to noncurrent loans37.7850%5,348
Noncurrent assets plus other real estate owned to assets3.1594%567
Noncurrent loans to loans6.3714%164
Net loans and leases to total assets45.5536%5,233
Net loans and leases to deposits49.0552%5,510
Net loans and leases to core deposits49.0552%5,633
Total domestic deposits to total assets92.8619%70
Equity capital to assets5.7362%6,345
Core capital (leverage) ratio5.7985%6,337
Tier 1 risk-based capital ratio9.1866%6,302
Total risk-based capital ratio10.4436%6,290
Memoranda:
Average total assets$73,006,0005,172
Average earning assets$62,550,0005,292
Average equity$4,266,5006,001
Average total loans$34,594,0005,342
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1448%5,906
Cost of funding earning assets0.0980%6,332
Net interest margin3.0469%5,326
Noninterest income to average assets0.2375%5,436
Noninterest expense to average assets4.6855%399
Loan and lease loss provision to assets0.2706%805
Net operating income to assets-2.1199%6,459
Return on assets (ROA)-2.1199%6,457
Pretax return on assets-2.1199%6,451
Return on Equity (ROE)-31.0376%6,469
Retained earnings to average equity (ytd only)-31.0376%6,460
Net charge-offs to loans1.2916%202
Credit loss provision to net charge-offs43.9655%3,603
Earnings coverage of net charge-offs (x)-3.0043%4,858
Efficiency ratio165.2011%38
Assets per employee ($millions)3.0730%5,600
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.3097%713
Loan loss allowance to noncurrent loans29.1979%5,669
Noncurrent assets plus other real estate owned to assets4.0107%417
Noncurrent loans to loans7.9105%118
Net loans and leases to total assets46.9682%5,253
Net loans and leases to deposits51.0561%5,528
Net loans and leases to core deposits51.0561%5,662
Total domestic deposits to total assets91.9934%146
Equity capital to assets5.9497%6,413
Core capital (leverage) ratio6.3351%6,383
Tier 1 risk-based capital ratio9.4733%6,354
Total risk-based capital ratio10.7307%6,333
Memoranda:
Average total assets$75,381,2005,164
Average earning assets$64,295,6005,271
Average equity$5,148,6005,822
Average total loans$35,924,6005,332
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1654%5,941
Cost of funding earning assets0.1012%6,410
Net interest margin3.0642%5,350
Noninterest income to average assets0.5805%2,983
Noninterest expense to average assets5.2566%266
Loan and lease loss provision to assets0.3589%486
Net operating income to assets-2.4260%6,542
Return on assets (ROA)-2.4260%6,544
Pretax return on assets-2.4260%6,540
Return on Equity (ROE)-34.4391%6,547
Retained earnings to average equity (ytd only)-34.4391%6,543
Net charge-offs to loans1.5760%147
Credit loss provision to net charge-offs47.8873%3,140
Earnings coverage of net charge-offs (x)-2.7582%4,589
Efficiency ratio164.8097%41
Assets per employee ($millions)3.1813%5,469
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.5150%638
Loan loss allowance to noncurrent loans41.6019%5,404
Noncurrent assets plus other real estate owned to assets3.6377%576
Noncurrent loans to loans6.0455%229
Net loans and leases to total assets47.4617%5,251
Net loans and leases to deposits51.8837%5,535
Net loans and leases to core deposits51.8837%5,689
Total domestic deposits to total assets91.4772%241
Equity capital to assets6.5839%6,436
Core capital (leverage) ratio6.2868%6,456
Tier 1 risk-based capital ratio10.1145%6,319
Total risk-based capital ratio11.3746%6,283
Memoranda:
Average total assets$75,788,5005,213
Average earning assets$64,528,7505,318
Average equity$5,338,7505,837
Average total loans$36,041,0005,377
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1179%6,043
Cost of funding earning assets0.0993%6,482
Net interest margin3.0186%5,461
Noninterest income to average assets0.5327%3,250
Noninterest expense to average assets5.4631%239
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets-2.3494%6,608
Return on assets (ROA)-2.3494%6,610
Pretax return on assets-2.3494%6,604
Return on Equity (ROE)-32.7104%6,613
Retained earnings to average equity (ytd only)-32.7104%6,594
Net charge-offs to loans2.1310%102
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)-2.3350%4,252
Efficiency ratio175.4545%33
Assets per employee ($millions)3.4249%5,006
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9509%1,456
Loan loss allowance to noncurrent loans30.6595%5,759
Noncurrent assets plus other real estate owned to assets3.7479%601
Noncurrent loans to loans6.3631%227
Net loans and leases to total assets45.8911%5,368
Net loans and leases to deposits50.0282%5,634
Net loans and leases to core deposits50.0282%5,786
Total domestic deposits to total assets91.7304%211
Equity capital to assets6.7460%6,473
Core capital (leverage) ratio6.5523%6,494
Tier 1 risk-based capital ratio10.8316%6,117
Total risk-based capital ratio12.0860%6,063
Memoranda:
Average total assets$77,721,6705,210
Average earning assets$66,454,3305,310
Average equity$5,582,3305,811
Average total loans$36,696,3305,388
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0896%6,140
Cost of funding earning assets0.0949%6,576
Net interest margin2.9947%5,536
Noninterest income to average assets0.4359%3,899
Noninterest expense to average assets4.5217%450
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets-1.5258%6,634
Return on assets (ROA)-1.5258%6,629
Pretax return on assets-1.5258%6,614
Return on Equity (ROE)-20.6447%6,632
Retained earnings to average equity (ytd only)-20.6447%6,538
Net charge-offs to loans2.7478%76
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)-1.1712%3,518
Efficiency ratio150.9306%62
Assets per employee ($millions)3.3497%5,256
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.2786%1,059
Loan loss allowance to noncurrent loans23.4790%6,005
Noncurrent assets plus other real estate owned to assets5.3049%368
Noncurrent loans to loans9.7051%106
Net loans and leases to total assets45.7569%5,354
Net loans and leases to deposits50.3255%5,574
Net loans and leases to core deposits50.3255%5,736
Total domestic deposits to total assets90.9218%603
Equity capital to assets7.3752%6,355
Core capital (leverage) ratio7.2337%6,415
Tier 1 risk-based capital ratio11.8533%5,725
Total risk-based capital ratio13.1104%5,657
Memoranda:
Average total assets$78,908,5005,228
Average earning assets$67,451,5005,336
Average equity$5,832,0005,790
Average total loans$37,411,5005,411
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0940%6,247
Cost of funding earning assets0.1043%6,662
Net interest margin2.9897%5,602
Noninterest income to average assets0.7480%2,301
Noninterest expense to average assets4.3923%577
Loan and lease loss provision to assets1.4210%104
Net operating income to assets-2.5025%6,737
Return on assets (ROA)-2.5025%6,740
Pretax return on assets-2.5025%6,737
Return on Equity (ROE)-29.5933%6,722
Retained earnings to average equity (ytd only)-29.5933%6,715
Net charge-offs to loans2.4553%120
Credit loss provision to net charge-offs121.9917%1,950
Earnings coverage of net charge-offs (x)-0.9284%5,256
Efficiency ratio132.6642%110
Assets per employee ($millions)3.5120%4,877
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.7846%613
Loan loss allowance to noncurrent loans27.2131%6,024
Noncurrent assets plus other real estate owned to assets5.6825%356
Noncurrent loans to loans10.2325%105
Net loans and leases to total assets46.6357%5,430
Net loans and leases to deposits50.9054%5,700
Net loans and leases to core deposits50.9054%5,878
Total domestic deposits to total assets91.6125%373
Equity capital to assets7.4058%6,327
Core capital (leverage) ratio7.5963%6,340
Tier 1 risk-based capital ratio11.9829%5,622
Total risk-based capital ratio13.2460%5,557
Memoranda:
Average total assets$82,758,2005,174
Average earning assets$70,943,0005,285
Average equity$6,998,2005,567
Average total loans$39,262,2005,378
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0825%6,336
Cost of funding earning assets0.1065%6,751
Net interest margin2.9760%5,650
Noninterest income to average assets0.8680%1,864
Noninterest expense to average assets4.2600%654
Loan and lease loss provision to assets1.6191%70
Net operating income to assets-2.4599%6,820
Return on assets (ROA)-2.4599%6,822
Pretax return on assets-2.4599%6,818
Return on Equity (ROE)-28.2388%6,806
Retained earnings to average equity (ytd only)-28.2388%6,797
Net charge-offs to loans3.2494%69
Credit loss provision to net charge-offs105.3125%2,220
Earnings coverage of net charge-offs (x)-0.5469%4,957
Efficiency ratio124.5902%145
Assets per employee ($millions)3.2675%5,346
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.3282%1,139
Loan loss allowance to noncurrent loans23.2641%6,178
Noncurrent assets plus other real estate owned to assets6.4307%340
Noncurrent loans to loans10.0079%131
Net loans and leases to total assets49.1080%5,235
Net loans and leases to deposits54.1874%5,523
Net loans and leases to core deposits54.1874%5,751
Total domestic deposits to total assets90.6262%694
Equity capital to assets8.3281%5,895
Core capital (leverage) ratio8.0537%6,188
Tier 1 risk-based capital ratio12.8215%5,246
Total risk-based capital ratio14.0710%5,184
Memoranda:
Average total assets$83,254,0005,209
Average earning assets$71,368,7505,321
Average equity$7,252,2505,569
Average total loans$39,390,5005,424
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9908%6,458
Cost of funding earning assets0.1041%6,814
Net interest margin2.8867%5,820
Noninterest income to average assets0.8861%1,867
Noninterest expense to average assets3.8579%1,028
Loan and lease loss provision to assets2.3425%38
Net operating income to assets-2.8304%6,891
Return on assets (ROA)-2.8304%6,894
Pretax return on assets-2.8304%6,888
Return on Equity (ROE)-32.0580%6,867
Retained earnings to average equity (ytd only)-32.0580%6,855
Net charge-offs to loans4.8911%35
Credit loss provision to net charge-offs103.2191%2,145
Earnings coverage of net charge-offs (x)-0.2150%4,621
Efficiency ratio114.4755%229
Assets per employee ($millions)3.7031%4,391
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.2637%1,315
Loan loss allowance to noncurrent loans31.3986%5,962
Noncurrent assets plus other real estate owned to assets4.6917%680
Noncurrent loans to loans7.2095%322
Net loans and leases to total assets45.5220%5,586
Net loans and leases to deposits50.6175%5,792
Net loans and leases to core deposits50.6175%5,985
Total domestic deposits to total assets89.9333%1,065
Equity capital to assets8.0496%6,167
Core capital (leverage) ratio8.0811%6,120
Tier 1 risk-based capital ratio13.4591%4,799
Total risk-based capital ratio14.7161%4,747
Memoranda:
Average total assets$84,865,0005,200
Average earning assets$73,023,6705,305
Average equity$7,492,6705,565
Average total loans$39,377,6705,450
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9717%6,541
Cost of funding earning assets0.1042%6,901
Net interest margin2.8676%5,873
Noninterest income to average assets0.6233%3,013
Noninterest expense to average assets3.7445%1,179
Loan and lease loss provision to assets1.8604%66
Net operating income to assets-2.5121%6,944
Return on assets (ROA)-2.5121%6,945
Pretax return on assets-2.5121%6,938
Return on Equity (ROE)-27.2436%6,926
Retained earnings to average equity (ytd only)-27.2436%6,887
Net charge-offs to loans-0.2039%6,683
Credit loss provision to net charge-offs-1,970.0000%5,757
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio121.0687%210
Assets per employee ($millions)3.4891%5,004
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.2141%537
Loan loss allowance to noncurrent loans29.4483%6,048
Noncurrent assets plus other real estate owned to assets6.5884%451
Noncurrent loans to loans10.9143%170
Net loans and leases to total assets46.0663%5,432
Net loans and leases to deposits50.8469%5,724
Net loans and leases to core deposits50.8469%5,906
Total domestic deposits to total assets90.5981%713
Equity capital to assets9.0162%5,466
Core capital (leverage) ratio8.8116%5,168
Tier 1 risk-based capital ratio14.7010%4,037
Total risk-based capital ratio15.9666%3,994
Memoranda:
Average total assets$84,711,5005,242
Average earning assets$72,954,0005,358
Average equity$7,811,0005,535
Average total loans$39,231,5005,499
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2642%6,615
Cost of funding earning assets0.1638%6,898
Net interest margin3.1004%5,811
Noninterest income to average assets1.4414%754
Noninterest expense to average assets4.2553%715
Loan and lease loss provision to assets0.2925%2,336
Net operating income to assets-0.4160%6,525
Return on assets (ROA)-0.4160%6,570
Pretax return on assets-0.4160%6,536
Return on Equity (ROE)-4.3611%6,571
Retained earnings to average equity (ytd only)-4.3611%6,388
Net charge-offs to loans0.9881%1,104
Credit loss provision to net charge-offs63.7056%4,349
Earnings coverage of net charge-offs (x)-0.2690%5,601
Efficiency ratio102.9893%462
Assets per employee ($millions)3.4274%5,154
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.2457%1,467
Loan loss allowance to noncurrent loans18.2105%6,431
Noncurrent assets plus other real estate owned to assets5.8808%596
Noncurrent loans to loans12.3320%143
Net loans and leases to total assets44.0450%5,813
Net loans and leases to deposits48.9259%6,041
Net loans and leases to core deposits48.9259%6,217
Total domestic deposits to total assets90.0239%936
Equity capital to assets9.4206%4,974
Core capital (leverage) ratio9.5344%4,060
Tier 1 risk-based capital ratio16.2936%2,997
Total risk-based capital ratio17.5462%2,956
Memoranda:
Average total assets$85,821,8005,196
Average earning assets$74,473,6005,298
Average equity$8,186,0005,446
Average total loans$39,873,6005,512
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3549%6,674
Cost of funding earning assets0.1789%6,991
Net interest margin3.1759%5,752
Noninterest income to average assets1.1865%1,076
Noninterest expense to average assets4.3591%624
Loan and lease loss provision to assets0.2578%2,512
Net operating income to assets-0.6740%6,768
Return on assets (ROA)-0.6740%6,796
Pretax return on assets-0.6740%6,774
Return on Equity (ROE)-7.0443%6,787
Retained earnings to average equity (ytd only)-7.0443%6,717
Net charge-offs to loans1.3170%714
Credit loss provision to net charge-offs41.8136%4,580
Earnings coverage of net charge-offs (x)-0.6751%5,534
Efficiency ratio110.5553%297
Assets per employee ($millions)3.3102%5,420
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.9442%2,345
Loan loss allowance to noncurrent loans18.3510%6,528
Noncurrent assets plus other real estate owned to assets5.4860%775
Noncurrent loans to loans10.5948%219
Net loans and leases to total assets47.4745%5,611
Net loans and leases to deposits52.8207%5,904
Net loans and leases to core deposits52.8207%6,128
Total domestic deposits to total assets89.8787%906
Equity capital to assets9.6090%5,045
Core capital (leverage) ratio9.4645%4,327
Tier 1 risk-based capital ratio15.9932%3,263
Total risk-based capital ratio17.2486%3,230
Memoranda:
Average total assets$85,856,0005,244
Average earning assets$74,517,0005,350
Average equity$8,214,5005,494
Average total loans$40,190,2505,566
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3663%6,758
Cost of funding earning assets0.2011%7,031
Net interest margin3.1651%5,835
Noninterest income to average assets1.0611%1,276
Noninterest expense to average assets4.1179%818
Loan and lease loss provision to assets0.3821%1,709
Net operating income to assets-0.6859%6,814
Return on assets (ROA)-0.6859%6,850
Pretax return on assets-0.6859%6,818
Return on Equity (ROE)-7.1790%6,837
Retained earnings to average equity (ytd only)-7.1790%6,728
Net charge-offs to loans0.0994%4,173
Credit loss provision to net charge-offs830.0000%390
Earnings coverage of net charge-offs (x)-6.6000%5,454
Efficiency ratio107.9662%364
Assets per employee ($millions)3.1366%5,775
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.8443%905
Loan loss allowance to noncurrent loans42.7357%5,516
Noncurrent assets plus other real estate owned to assets3.5424%1,500
Noncurrent loans to loans6.6555%613
Net loans and leases to total assets46.6259%5,771
Net loans and leases to deposits51.8760%6,035
Net loans and leases to core deposits52.9118%6,168
Total domestic deposits to total assets89.8794%992
Equity capital to assets9.6246%4,875
Core capital (leverage) ratio9.2857%4,471
Tier 1 risk-based capital ratio16.1148%3,116
Total risk-based capital ratio17.3864%3,066
Memoranda:
Average total assets$86,889,3305,248
Average earning assets$75,573,6705,338
Average equity$8,302,0005,479
Average total loans$40,231,3305,593
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3516%6,857
Cost of funding earning assets0.2506%7,004
Net interest margin3.1011%6,035
Noninterest income to average assets0.8501%1,946
Noninterest expense to average assets3.8596%1,116
Loan and lease loss provision to assets0.2955%2,115
Net operating income to assets-0.6046%6,874
Return on assets (ROA)-0.6046%6,900
Pretax return on assets-0.6046%6,865
Return on Equity (ROE)-6.3503%6,900
Retained earnings to average equity (ytd only)-6.3503%6,681
Net charge-offs to loans0.2299%2,778
Credit loss provision to net charge-offs282.6087%1,037
Earnings coverage of net charge-offs (x)-2.9565%4,642
Efficiency ratio108.7068%361
Assets per employee ($millions)3.2411%5,679
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.6034%1,216
Loan loss allowance to noncurrent loans38.3662%5,707
Noncurrent assets plus other real estate owned to assets3.5184%1,630
Noncurrent loans to loans6.7858%684
Net loans and leases to total assets44.9726%5,898
Net loans and leases to deposits49.8903%6,147
Net loans and leases to core deposits50.8508%6,284
Total domestic deposits to total assets90.1430%1,010
Equity capital to assets9.5028%4,804
Core capital (leverage) ratio9.1718%4,567
Tier 1 risk-based capital ratio16.4031%2,959
Total risk-based capital ratio17.6636%2,914
Memoranda:
Average total assets$87,989,5005,270
Average earning assets$76,619,0005,339
Average equity$8,377,5005,478
Average total loans$40,025,5005,641
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6317%6,912
Cost of funding earning assets0.4185%6,837
Net interest margin3.2132%6,049
Noninterest income to average assets0.9473%1,513
Noninterest expense to average assets4.8557%432
Loan and lease loss provision to assets0.3614%2,838
Net operating income to assets-1.4778%6,902
Return on assets (ROA)-1.4778%6,925
Pretax return on assets-1.4778%6,893
Return on Equity (ROE)-14.4509%6,875
Retained earnings to average equity (ytd only)-14.4509%6,852
Net charge-offs to loans0.7608%2,254
Credit loss provision to net charge-offs105.4839%3,245
Earnings coverage of net charge-offs (x)-3.2581%6,331
Efficiency ratio129.8552%232
Assets per employee ($millions)3.1596%5,792
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.5477%1,250
Loan loss allowance to noncurrent loans54.0396%4,815
Noncurrent assets plus other real estate owned to assets2.4936%2,438
Noncurrent loans to loans4.7146%1,243
Net loans and leases to total assets43.6689%6,242
Net loans and leases to deposits48.4609%6,468
Net loans and leases to core deposits49.1864%6,576
Total domestic deposits to total assets90.1117%935
Equity capital to assets9.5390%4,815
Core capital (leverage) ratio9.5409%3,960
Tier 1 risk-based capital ratio17.1151%2,546
Total risk-based capital ratio18.3765%2,505
Memoranda:
Average total assets$90,470,4005,165
Average earning assets$78,613,0005,277
Average equity$9,252,0005,217
Average total loans$40,748,0005,657
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6737%6,954
Cost of funding earning assets0.4425%6,903
Net interest margin3.2312%6,075
Noninterest income to average assets0.9190%1,582
Noninterest expense to average assets4.3808%650
Loan and lease loss provision to assets0.4793%2,075
Net operating income to assets-1.1373%6,933
Return on assets (ROA)-1.1373%6,959
Pretax return on assets-1.1373%6,919
Return on Equity (ROE)-10.9425%6,920
Retained earnings to average equity (ytd only)-10.9425%6,887
Net charge-offs to loans1.0173%1,581
Credit loss provision to net charge-offs104.4728%3,188
Earnings coverage of net charge-offs (x)-1.4345%5,980
Efficiency ratio117.6772%330
Assets per employee ($millions)3.5527%4,872
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.5874%1,285
Loan loss allowance to noncurrent loans54.0236%4,767
Noncurrent assets plus other real estate owned to assets3.1631%2,022
Noncurrent loans to loans4.7893%1,345
Net loans and leases to total assets44.4654%6,285
Net loans and leases to deposits50.0786%6,496
Net loans and leases to core deposits51.3754%6,601
Total domestic deposits to total assets88.7913%1,552
Equity capital to assets10.5660%3,624
Core capital (leverage) ratio10.0844%3,328
Tier 1 risk-based capital ratio17.5890%2,400
Total risk-based capital ratio18.8487%2,369
Memoranda:
Average total assets$90,971,0005,202
Average earning assets$78,937,2505,302
Average equity$9,455,2505,189
Average total loans$41,024,2505,695
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6371%7,073
Cost of funding earning assets0.4754%6,931
Net interest margin3.1618%6,256
Noninterest income to average assets0.9583%1,436
Noninterest expense to average assets4.1713%853
Loan and lease loss provision to assets0.0581%5,588
Net operating income to assets-0.5211%6,706
Return on assets (ROA)-0.5211%6,736
Pretax return on assets-0.5211%6,674
Return on Equity (ROE)-5.0396%6,721
Retained earnings to average equity (ytd only)-5.0396%6,573
Net charge-offs to loans0.0959%4,718
Credit loss provision to net charge-offs135.0000%2,261
Earnings coverage of net charge-offs (x)-10.7500%5,829
Efficiency ratio112.4855%434
Assets per employee ($millions)3.2526%5,523
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.5334%1,393
Loan loss allowance to noncurrent loans49.0196%5,080
Noncurrent assets plus other real estate owned to assets2.9186%2,300
Noncurrent loans to loans5.1681%1,250
Net loans and leases to total assets42.2446%6,576
Net loans and leases to deposits47.5116%6,755
Net loans and leases to core deposits48.6557%6,826
Total domestic deposits to total assets88.9143%1,586
Equity capital to assets10.4972%3,507
Core capital (leverage) ratio10.0260%3,233
Tier 1 risk-based capital ratio18.2250%2,096
Total risk-based capital ratio19.4873%2,052
Memoranda:
Average total assets$92,873,3305,176
Average earning assets$80,778,0005,297
Average equity$9,604,0005,153
Average total loans$41,725,6705,719
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6581%7,099
Cost of funding earning assets0.5149%6,919
Net interest margin3.1432%6,235
Noninterest income to average assets1.0579%1,175
Noninterest expense to average assets4.2229%800
Loan and lease loss provision to assets0.1152%4,573
Net operating income to assets-0.5460%6,831
Return on assets (ROA)-0.5460%6,833
Pretax return on assets-0.5460%6,777
Return on Equity (ROE)-5.3189%6,827
Retained earnings to average equity (ytd only)-5.3189%6,545
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio111.3611%474
Assets per employee ($millions)3.4009%5,235
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.4763%1,494
Loan loss allowance to noncurrent loans50.2216%5,000
Noncurrent assets plus other real estate owned to assets2.7850%2,474
Noncurrent loans to loans4.9308%1,372
Net loans and leases to total assets42.1839%6,602
Net loans and leases to deposits47.0441%6,796
Net loans and leases to core deposits48.1130%6,872
Total domestic deposits to total assets89.6688%1,378
Equity capital to assets10.0624%3,697
Core capital (leverage) ratio10.2880%2,814
Tier 1 risk-based capital ratio17.7532%2,200
Total risk-based capital ratio19.0118%2,162
Memoranda:
Average total assets$93,774,0005,175
Average earning assets$81,572,5005,312
Average equity$9,626,0005,142
Average total loans$42,852,0005,711
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4983%6,407
Cost of funding earning assets0.7118%6,849
Net interest margin3.7865%4,001
Noninterest income to average assets1.3928%747
Noninterest expense to average assets5.0215%403
Loan and lease loss provision to assets0.3333%4,154
Net operating income to assets-1.0238%6,696
Return on assets (ROA)-1.0162%6,730
Pretax return on assets-0.7651%6,499
Return on Equity (ROE)-9.1043%6,681
Retained earnings to average equity (ytd only)-9.1043%6,599
Net charge-offs to loans0.5839%3,288
Credit loss provision to net charge-offs109.6085%4,023
Earnings coverage of net charge-offs (x)-1.4448%6,670
Efficiency ratio109.5890%542
Assets per employee ($millions)3.1835%5,708
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.2308%1,818
Loan loss allowance to noncurrent loans146.8935%2,023
Noncurrent assets plus other real estate owned to assets1.6887%3,766
Noncurrent loans to loans1.5186%4,208
Net loans and leases to total assets47.1404%6,468
Net loans and leases to deposits53.0324%6,671
Net loans and leases to core deposits54.4598%6,786
Total domestic deposits to total assets88.8900%1,723
Equity capital to assets10.4742%3,178
Core capital (leverage) ratio10.5172%2,540
Tier 1 risk-based capital ratio16.8065%2,424
Total risk-based capital ratio18.0733%2,382
Memoranda:
Average total assets$92,403,4005,210
Average earning assets$77,828,8005,416
Average equity$10,313,8005,036
Average total loans$48,120,6005,557
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7178%5,954
Cost of funding earning assets0.7383%6,948
Net interest margin3.9795%3,189
Noninterest income to average assets1.2132%947
Noninterest expense to average assets4.8962%409
Loan and lease loss provision to assets0.3852%3,576
Net operating income to assets-0.4162%6,532
Return on assets (ROA)-0.4097%6,569
Pretax return on assets-0.7300%6,699
Return on Equity (ROE)-3.6150%6,545
Retained earnings to average equity (ytd only)-3.6150%6,419
Net charge-offs to loans0.6310%2,857
Credit loss provision to net charge-offs115.0862%3,630
Earnings coverage of net charge-offs (x)-1.0603%6,451
Efficiency ratio107.8145%562
Assets per employee ($millions)3.1471%5,809
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.8048%2,770
Loan loss allowance to noncurrent loans112.4719%2,498
Noncurrent assets plus other real estate owned to assets1.9427%3,548
Noncurrent loans to loans1.6047%4,236
Net loans and leases to total assets59.6728%4,971
Net loans and leases to deposits68.8604%5,304
Net loans and leases to core deposits71.4083%5,585
Total domestic deposits to total assets86.6577%2,713
Equity capital to assets11.3810%2,616
Core capital (leverage) ratio11.0937%2,195
Tier 1 risk-based capital ratio16.1397%2,702
Total risk-based capital ratio17.3953%2,647
Memoranda:
Average total assets$92,423,7505,275
Average earning assets$77,293,5005,504
Average equity$10,474,7505,063
Average total loans$49,022,2505,606
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5278%6,645
Cost of funding earning assets0.7701%7,003
Net interest margin3.7577%4,099
Noninterest income to average assets1.2499%831
Noninterest expense to average assets4.4392%617
Loan and lease loss provision to assets0.3232%3,805
Net operating income to assets-0.2058%6,364
Return on assets (ROA)-0.1961%6,402
Pretax return on assets-0.3642%6,486
Return on Equity (ROE)-1.7327%6,399
Retained earnings to average equity (ytd only)-1.7327%6,108
Net charge-offs to loans0.5760%2,810
Credit loss provision to net charge-offs111.1111%3,644
Earnings coverage of net charge-offs (x)-0.1926%5,870
Efficiency ratio101.2783%762
Assets per employee ($millions)3.2248%5,621
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0624%2,047
Loan loss allowance to noncurrent loans150.0000%1,862
Noncurrent assets plus other real estate owned to assets2.6487%2,729
Noncurrent loans to loans1.3749%4,644
Net loans and leases to total assets49.8145%6,454
Net loans and leases to deposits56.6285%6,677
Net loans and leases to core deposits57.6174%6,856
Total domestic deposits to total assets87.9672%2,022
Equity capital to assets11.2587%2,630
Core capital (leverage) ratio11.2340%2,079
Tier 1 risk-based capital ratio16.9095%2,320
Total risk-based capital ratio18.1618%2,272
Memoranda:
Average total assets$92,809,6705,287
Average earning assets$77,388,6705,534
Average equity$10,504,0005,057
Average total loans$46,875,6705,723
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5465%6,687
Cost of funding earning assets0.8319%6,991
Net interest margin3.7146%4,167
Noninterest income to average assets1.5662%498
Noninterest expense to average assets4.4130%633
Loan and lease loss provision to assets0.6490%1,955
Net operating income to assets-0.4240%6,782
Return on assets (ROA)-0.4240%6,816
Pretax return on assets-0.4240%6,733
Return on Equity (ROE)-3.7364%6,804
Retained earnings to average equity (ytd only)-3.7364%6,467
Net charge-offs to loans0.3954%2,855
Credit loss provision to net charge-offs326.0870%1,213
Earnings coverage of net charge-offs (x)1.1304%4,090
Efficiency ratio95.1493%1,069
Assets per employee ($millions)3.1434%5,895
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.3639%1,469
Loan loss allowance to noncurrent loans81.2453%3,365
Noncurrent assets plus other real estate owned to assets3.3287%2,145
Noncurrent loans to loans2.9096%2,769
Net loans and leases to total assets46.8643%6,762
Net loans and leases to deposits53.1018%6,975
Net loans and leases to core deposits54.3364%7,088
Total domestic deposits to total assets88.2537%1,924
Equity capital to assets11.0878%2,686
Core capital (leverage) ratio11.3931%1,968
Tier 1 risk-based capital ratio17.2353%2,182
Total risk-based capital ratio18.4941%2,133
Memoranda:
Average total assets$92,455,0005,369
Average earning assets$76,454,5005,623
Average equity$10,491,5005,104
Average total loans$46,530,0005,816
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4315%4,527
Cost of funding earning assets1.1875%6,697
Net interest margin4.2440%1,920
Noninterest income to average assets1.4881%648
Noninterest expense to average assets4.7254%640
Loan and lease loss provision to assets0.8381%2,631
Net operating income to assets-0.3549%6,035
Return on assets (ROA)-0.4892%6,161
Pretax return on assets-0.7766%6,252
Return on Equity (ROE)-4.0264%6,114
Retained earnings to average equity (ytd only)-4.0264%5,868
Net charge-offs to loans1.2931%1,919
Credit loss provision to net charge-offs107.9295%5,131
Earnings coverage of net charge-offs (x)0.3495%5,763
Efficiency ratio94.5687%1,373
Assets per employee ($millions)3.2360%5,638
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.0232%1,972
Loan loss allowance to noncurrent loans62.5890%4,269
Noncurrent assets plus other real estate owned to assets3.7160%1,793
Noncurrent loans to loans3.2325%2,359
Net loans and leases to total assets51.6831%6,454
Net loans and leases to deposits59.3930%6,679
Net loans and leases to core deposits68.0941%6,875
Total domestic deposits to total assets87.0188%2,495
Equity capital to assets11.6182%2,236
Core capital (leverage) ratio11.7325%1,796
Tier 1 risk-based capital ratio16.2563%2,411
Total risk-based capital ratio17.5244%2,349
Memoranda:
Average total assets$87,695,4005,463
Average earning assets$72,502,4005,737
Average equity$10,654,6005,120
Average total loans$52,662,2005,558
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6235%3,727
Cost of funding earning assets1.2513%6,719
Net interest margin4.3722%1,522
Noninterest income to average assets1.6159%563
Noninterest expense to average assets4.5916%664
Loan and lease loss provision to assets1.1268%1,737
Net operating income to assets-0.4814%6,408
Return on assets (ROA)-0.7635%6,667
Pretax return on assets-0.7635%6,523
Return on Equity (ROE)-6.2133%6,577
Retained earnings to average equity (ytd only)-6.2133%6,410
Net charge-offs to loans1.6481%1,233
Credit loss provision to net charge-offs110.3604%4,610
Earnings coverage of net charge-offs (x)0.6321%5,395
Efficiency ratio87.6756%1,901
Assets per employee ($millions)3.1965%5,653
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.0342%1,718
Loan loss allowance to noncurrent loans60.4436%4,335
Noncurrent assets plus other real estate owned to assets4.0938%1,546
Noncurrent loans to loans3.3655%2,243
Net loans and leases to total assets52.7854%6,524
Net loans and leases to deposits61.3065%6,732
Net loans and leases to core deposits74.1327%6,723
Total domestic deposits to total assets86.1009%2,648
Equity capital to assets11.6947%2,439
Core capital (leverage) ratio11.7751%1,920
Tier 1 risk-based capital ratio16.5016%2,429
Total risk-based capital ratio17.7560%2,377
Memoranda:
Average total assets$86,967,2505,516
Average earning assets$72,029,5005,783
Average equity$10,686,5005,147
Average total loans$53,878,7505,560
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8369%2,865
Cost of funding earning assets1.2899%6,839
Net interest margin4.5470%1,060
Noninterest income to average assets1.6581%536
Noninterest expense to average assets4.6631%661
Loan and lease loss provision to assets0.5063%3,008
Net operating income to assets0.2462%5,102
Return on assets (ROA)0.2462%5,199
Pretax return on assets0.2462%5,339
Return on Equity (ROE)1.9703%5,312
Retained earnings to average equity (ytd only)1.9703%4,246
Net charge-offs to loans0.8966%1,905
Credit loss provision to net charge-offs87.2000%5,005
Earnings coverage of net charge-offs (x)1.2960%4,552
Efficiency ratio86.1063%2,219
Assets per employee ($millions)3.1826%5,623
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6645%2,470
Loan loss allowance to noncurrent loans208.2938%1,462
Noncurrent assets plus other real estate owned to assets2.5058%2,569
Noncurrent loans to loans0.7991%5,635
Net loans and leases to total assets58.2739%5,927
Net loans and leases to deposits68.3807%6,147
Net loans and leases to core deposits84.0139%6,087
Total domestic deposits to total assets85.2197%3,150
Equity capital to assets12.2688%2,045
Core capital (leverage) ratio12.4706%1,636
Tier 1 risk-based capital ratio15.7892%2,697
Total risk-based capital ratio16.9819%2,652
Memoranda:
Average total assets$86,122,3305,581
Average earning assets$71,168,0005,847
Average equity$10,759,6705,149
Average total loans$55,763,3305,519
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9034%2,778
Cost of funding earning assets1.2851%7,065
Net interest margin4.6183%911
Noninterest income to average assets1.5598%569
Noninterest expense to average assets4.8448%539
Loan and lease loss provision to assets0.3214%3,402
Net operating income to assets0.1985%5,664
Return on assets (ROA)0.1985%5,833
Pretax return on assets0.1985%5,940
Return on Equity (ROE)1.5741%5,932
Retained earnings to average equity (ytd only)1.5741%4,972
Net charge-offs to loans0.5311%2,124
Credit loss provision to net charge-offs89.4737%4,022
Earnings coverage of net charge-offs (x)1.4474%4,010
Efficiency ratio90.3084%1,702
Assets per employee ($millions)2.9928%6,174
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.6220%2,433
Loan loss allowance to noncurrent loans104.7509%2,928
Noncurrent assets plus other real estate owned to assets3.1247%1,798
Noncurrent loans to loans1.5484%3,956
Net loans and leases to total assets63.1752%5,127
Net loans and leases to deposits74.3824%5,436
Net loans and leases to core deposits91.2603%5,432
Total domestic deposits to total assets84.9329%3,240
Equity capital to assets12.2315%2,119
Core capital (leverage) ratio13.3736%1,362
Tier 1 risk-based capital ratio15.3241%2,931
Total risk-based capital ratio16.5535%2,875
Memoranda:
Average total assets$84,627,5005,655
Average earning assets$69,722,5005,922
Average equity$10,673,0005,194
Average total loans$57,241,0005,486
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0961%926
Cost of funding earning assets1.5873%7,474
Net interest margin5.5088%203
Noninterest income to average assets1.2679%915
Noninterest expense to average assets4.8047%709
Loan and lease loss provision to assets0.4975%2,823
Net operating income to assets0.3565%5,324
Return on assets (ROA)0.0934%5,972
Pretax return on assets0.1560%5,830
Return on Equity (ROE)0.7257%6,000
Retained earnings to average equity (ytd only)0.7257%4,796
Net charge-offs to loans0.4332%2,657
Credit loss provision to net charge-offs154.7794%3,372
Earnings coverage of net charge-offs (x)3.3125%4,426
Efficiency ratio81.8603%2,318
Assets per employee ($millions)2.9451%6,185
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.5524%2,441
Loan loss allowance to noncurrent loans36.3057%6,313
Noncurrent assets plus other real estate owned to assets3.3979%1,316
Noncurrent loans to loans4.2760%1,135
Net loans and leases to total assets70.1345%3,982
Net loans and leases to deposits83.7387%4,461
Net loans and leases to core deposits99.3046%4,893
Total domestic deposits to total assets83.7539%3,456
Equity capital to assets13.0119%1,779
Core capital (leverage) ratio13.5013%1,387
Tier 1 risk-based capital ratio14.7498%3,172
Total risk-based capital ratio16.0006%3,095
Memoranda:
Average total assets$84,625,8005,533
Average earning assets$70,687,2005,792
Average equity$10,885,6005,157
Average total loans$62,788,0005,148