Home > Central Savings, f.s.b. > Performance and Condition Ratios

Central Savings, f.s.b., Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8964%1,626
Cost of funding earning assets0.6416%443
Net interest margin3.2548%2,449
Noninterest income to average assets0.0729%4,673
Noninterest expense to average assets2.9322%1,093
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.1796%4,555
Return on assets (ROA)0.1796%4,570
Pretax return on assets0.2838%4,506
Return on Equity (ROE)0.7340%4,627
Retained earnings to average equity (ytd only)0.7340%4,322
Net charge-offs to loans0.0130%2,080
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)27.2500%1,682
Efficiency ratio90.8257%303
Assets per employee ($millions)5.2105%3,550
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.5136%1,501
Loan loss allowance to noncurrent loans144.9134%3,010
Noncurrent assets plus other real estate owned to assets0.8061%744
Noncurrent loans to loans1.0445%943
Net loans and leases to total assets76.0045%523
Net loans and leases to deposits107.6908%95
Net loans and leases to core deposits142.8239%61
Total domestic deposits to total assets70.5766%4,674
Equity capital to assets24.6227%97
Core capital (leverage) ratio23.5984%107
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio35.2248%167
Memoranda:
Average total assets$115,237,4003,851
Average earning assets$111,281,6003,797
Average equity$28,203,4002,638
Average total loans$92,661,4003,297
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8284%1,955
Cost of funding earning assets0.6752%441
Net interest margin3.1532%2,886
Noninterest income to average assets0.0890%4,707
Noninterest expense to average assets2.5721%1,921
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.3767%4,411
Return on assets (ROA)0.3767%4,442
Pretax return on assets0.5604%4,282
Return on Equity (ROE)1.5414%4,645
Retained earnings to average equity (ytd only)1.5414%4,305
Net charge-offs to loans0.0199%1,654
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)34.6429%1,452
Efficiency ratio81.7411%647
Assets per employee ($millions)5.2016%3,500
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.4431%1,838
Loan loss allowance to noncurrent loans50.7593%3,947
Noncurrent assets plus other real estate owned to assets2.3017%145
Noncurrent loans to loans2.8431%238
Net loans and leases to total assets79.7896%304
Net loans and leases to deposits113.5192%72
Net loans and leases to core deposits149.2985%61
Total domestic deposits to total assets70.2873%4,725
Equity capital to assets24.7684%100
Core capital (leverage) ratio23.6350%112
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio34.1171%180
Memoranda:
Average total assets$115,389,2503,895
Average earning assets$111,374,7503,839
Average equity$28,198,0002,667
Average total loans$93,711,0003,324
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7032%2,319
Cost of funding earning assets0.7292%399
Net interest margin2.9740%3,383
Noninterest income to average assets0.1210%4,593
Noninterest expense to average assets2.3801%2,531
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.4079%4,370
Return on assets (ROA)0.4079%4,410
Pretax return on assets0.6102%4,216
Return on Equity (ROE)1.6768%4,627
Retained earnings to average equity (ytd only)1.6768%4,196
Net charge-offs to loans0.0213%1,520
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)35.3000%1,230
Efficiency ratio79.1908%837
Assets per employee ($millions)5.1800%3,480
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.4578%1,733
Loan loss allowance to noncurrent loans31.6647%4,145
Noncurrent assets plus other real estate owned to assets3.7162%62
Noncurrent loans to loans4.6038%100
Net loans and leases to total assets79.5437%342
Net loans and leases to deposits113.3780%81
Net loans and leases to core deposits149.3599%69
Total domestic deposits to total assets70.1580%4,753
Equity capital to assets24.7929%95
Core capital (leverage) ratio23.4611%110
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.2243%201
Memoranda:
Average total assets$115,707,0003,906
Average earning assets$111,632,6673,843
Average equity$28,149,3332,662
Average total loans$94,066,3333,336
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7312%2,285
Cost of funding earning assets0.7754%399
Net interest margin2.9558%3,365
Noninterest income to average assets0.1990%4,193
Noninterest expense to average assets2.4292%2,405
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.4186%4,329
Return on assets (ROA)0.4186%4,359
Pretax return on assets0.6210%4,163
Return on Equity (ROE)1.7368%4,635
Retained earnings to average equity (ytd only)1.7368%4,067
Net charge-offs to loans-0.0084%3,605
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3026%865
Assets per employee ($millions)5.0127%3,643
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.4049%1,934
Loan loss allowance to noncurrent loans29.5221%4,219
Noncurrent assets plus other real estate owned to assets3.9751%59
Noncurrent loans to loans4.7589%89
Net loans and leases to total assets82.3570%212
Net loans and leases to deposits114.8249%101
Net loans and leases to core deposits157.0736%66
Total domestic deposits to total assets71.7240%4,723
Equity capital to assets24.4067%102
Core capital (leverage) ratio23.2305%117
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio31.7000%221
Memoranda:
Average total assets$116,580,5003,896
Average earning assets$112,456,5003,835
Average equity$28,097,0002,663
Average total loans$95,105,0003,336
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0820%2,476
Cost of funding earning assets0.9200%805
Net interest margin3.1620%3,460
Noninterest income to average assets0.1932%4,320
Noninterest expense to average assets2.9568%1,532
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets0.1819%4,596
Return on assets (ROA)0.1819%4,651
Pretax return on assets0.2833%4,568
Return on Equity (ROE)0.7410%4,704
Retained earnings to average equity (ytd only)0.7410%4,305
Net charge-offs to loans-0.0085%4,225
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.5828%359
Assets per employee ($millions)4.9112%3,492
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.4387%1,819
Loan loss allowance to noncurrent loans17.9774%4,370
Noncurrent assets plus other real estate owned to assets6.3757%24
Noncurrent loans to loans8.0027%35
Net loans and leases to total assets78.5236%550
Net loans and leases to deposits108.5282%181
Net loans and leases to core deposits153.4451%78
Total domestic deposits to total assets72.3532%4,698
Equity capital to assets23.8018%109
Core capital (leverage) ratio23.4267%113
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.0109%217
Memoranda:
Average total assets$114,379,2003,818
Average earning assets$110,216,4003,767
Average equity$28,069,2002,595
Average total loans$94,254,6003,335
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1994%2,403
Cost of funding earning assets0.9535%894
Net interest margin3.2459%3,346
Noninterest income to average assets0.1010%4,759
Noninterest expense to average assets2.8426%1,841
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets0.2760%4,485
Return on assets (ROA)0.2760%4,527
Pretax return on assets0.3853%4,450
Return on Equity (ROE)1.1161%4,687
Retained earnings to average equity (ytd only)1.1161%4,217
Net charge-offs to loans-0.0085%4,185
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.3726%443
Assets per employee ($millions)4.6466%3,664
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.4480%1,543
Loan loss allowance to noncurrent loans20.8340%4,399
Noncurrent assets plus other real estate owned to assets5.5740%46
Noncurrent loans to loans6.9500%56
Net loans and leases to total assets79.0408%705
Net loans and leases to deposits110.2960%223
Net loans and leases to core deposits156.8503%93
Total domestic deposits to total assets71.6625%4,691
Equity capital to assets24.2622%108
Core capital (leverage) ratio23.4475%118
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.5464%210
Memoranda:
Average total assets$113,506,7503,820
Average earning assets$109,345,2503,768
Average equity$28,072,7502,592
Average total loans$94,341,7503,342
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2990%2,474
Cost of funding earning assets0.9609%1,105
Net interest margin3.3381%3,276
Noninterest income to average assets0.1030%4,771
Noninterest expense to average assets2.8219%2,043
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.3552%4,321
Return on assets (ROA)0.3552%4,376
Pretax return on assets0.4955%4,259
Return on Equity (ROE)1.4268%4,630
Retained earnings to average equity (ytd only)1.4268%3,963
Net charge-offs to loans-0.0084%4,156
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.3683%620
Assets per employee ($millions)4.7743%3,439
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.4241%1,506
Loan loss allowance to noncurrent loans70.0832%3,714
Noncurrent assets plus other real estate owned to assets1.6103%548
Noncurrent loans to loans2.0319%657
Net loans and leases to total assets78.1203%831
Net loans and leases to deposits107.8665%271
Net loans and leases to core deposits158.1526%83
Total domestic deposits to total assets72.4231%4,691
Equity capital to assets23.5956%114
Core capital (leverage) ratio23.7801%111
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio32.8860%217
Memoranda:
Average total assets$112,621,0003,825
Average earning assets$108,443,3333,763
Average equity$28,035,6672,581
Average total loans$94,733,6673,320
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5733%2,083
Cost of funding earning assets0.9710%1,558
Net interest margin3.6023%2,658
Noninterest income to average assets0.1098%4,789
Noninterest expense to average assets3.0059%1,877
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.4064%4,121
Return on assets (ROA)0.4064%4,160
Pretax return on assets0.5675%3,986
Return on Equity (ROE)1.5873%4,527
Retained earnings to average equity (ytd only)1.5873%3,576
Net charge-offs to loans-0.0084%4,015
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5041%863
Assets per employee ($millions)4.4291%3,365
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4203%1,632
Loan loss allowance to noncurrent loans87.1114%3,432
Noncurrent assets plus other real estate owned to assets1.3944%805
Noncurrent loans to loans1.6305%948
Net loans and leases to total assets84.3074%246
Net loans and leases to deposits113.7400%137
Net loans and leases to core deposits162.8423%73
Total domestic deposits to total assets74.1228%4,652
Equity capital to assets25.3244%108
Core capital (leverage) ratio24.4607%122
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio33.4090%224
Memoranda:
Average total assets$109,253,0003,854
Average earning assets$105,043,5003,801
Average equity$27,972,0002,577
Average total loans$94,806,0003,304
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8235%1,976
Cost of funding earning assets0.8971%2,201
Net interest margin3.9264%2,082
Noninterest income to average assets0.0854%4,960
Noninterest expense to average assets3.2382%1,430
Loan and lease loss provision to assets-0.0459%5,013
Net operating income to assets0.4336%4,536
Return on assets (ROA)0.4336%4,568
Pretax return on assets0.6486%4,327
Return on Equity (ROE)1.7026%4,833
Retained earnings to average equity (ytd only)1.7026%4,122
Net charge-offs to loans0.0869%1,879
Credit loss provision to net charge-offs-60.9756%4,183
Earnings coverage of net charge-offs (x)8.0000%2,815
Efficiency ratio83.5207%690
Assets per employee ($millions)4.4908%3,234
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.4149%1,472
Loan loss allowance to noncurrent loans82.4432%3,551
Noncurrent assets plus other real estate owned to assets1.5114%666
Noncurrent loans to loans1.7163%800
Net loans and leases to total assets86.8193%128
Net loans and leases to deposits124.2587%63
Net loans and leases to core deposits159.1486%81
Total domestic deposits to total assets69.8698%4,942
Equity capital to assets25.8891%114
Core capital (leverage) ratio25.4567%116
Tier 1 risk-based capital ratio31.9025%420
Total risk-based capital ratio33.1585%409
Memoranda:
Average total assets$108,856,6003,847
Average earning assets$104,115,4003,802
Average equity$27,722,2002,511
Average total loans$94,379,0003,309
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8926%1,844
Cost of funding earning assets0.8966%2,247
Net interest margin3.9959%1,955
Noninterest income to average assets0.0782%5,050
Noninterest expense to average assets2.8859%2,304
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.7111%3,977
Return on assets (ROA)0.7111%4,048
Pretax return on assets1.0092%3,569
Return on Equity (ROE)2.8037%4,797
Retained earnings to average equity (ytd only)2.8037%3,972
Net charge-offs to loans-0.0085%4,332
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3689%1,653
Assets per employee ($millions)4.3155%3,461
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.6421%920
Loan loss allowance to noncurrent loans179.5152%2,269
Noncurrent assets plus other real estate owned to assets0.7965%1,733
Noncurrent loans to loans0.9148%1,749
Net loans and leases to total assets85.6467%213
Net loans and leases to deposits118.8101%101
Net loans and leases to core deposits148.4743%132
Total domestic deposits to total assets72.0871%4,913
Equity capital to assets27.0556%100
Core capital (leverage) ratio25.0195%120
Tier 1 risk-based capital ratio33.6713%381
Total risk-based capital ratio34.9295%376
Memoranda:
Average total assets$109,126,0003,886
Average earning assets$104,237,0003,843
Average equity$27,677,0002,527
Average total loans$94,244,7503,349
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7707%2,158
Cost of funding earning assets0.8770%2,263
Net interest margin3.8936%2,256
Noninterest income to average assets0.0613%5,134
Noninterest expense to average assets2.8312%2,482
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.6524%4,159
Return on assets (ROA)0.6524%4,209
Pretax return on assets0.9425%3,731
Return on Equity (ROE)2.6268%4,856
Retained earnings to average equity (ytd only)2.6268%3,884
Net charge-offs to loans-0.0084%4,267
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3553%1,600
Assets per employee ($millions)4.3787%3,319
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.5882%1,052
Loan loss allowance to noncurrent loans115.4567%3,078
Noncurrent assets plus other real estate owned to assets1.1702%1,152
Noncurrent loans to loans1.3755%1,130
Net loans and leases to total assets83.7220%383
Net loans and leases to deposits113.3164%157
Net loans and leases to core deposits144.0191%168
Total domestic deposits to total assets73.8835%4,844
Equity capital to assets25.3702%117
Core capital (leverage) ratio24.0212%135
Tier 1 risk-based capital ratio31.9835%418
Total risk-based capital ratio33.2424%413
Memoranda:
Average total assets$110,977,3303,887
Average earning assets$105,813,3303,848
Average equity$27,562,0002,531
Average total loans$95,597,3303,346
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6663%2,329
Cost of funding earning assets0.8782%2,108
Net interest margin3.7880%2,575
Noninterest income to average assets0.0322%5,257
Noninterest expense to average assets2.6742%2,981
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.6838%3,993
Return on assets (ROA)0.6838%4,031
Pretax return on assets0.9559%3,602
Return on Equity (ROE)2.7825%4,835
Retained earnings to average equity (ytd only)2.7825%3,827
Net charge-offs to loans-0.0083%4,157
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9783%1,887
Assets per employee ($millions)4.3792%3,362
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.5303%1,240
Loan loss allowance to noncurrent loans82.3300%3,647
Noncurrent assets plus other real estate owned to assets1.6387%683
Noncurrent loans to loans1.8588%823
Net loans and leases to total assets86.8085%153
Net loans and leases to deposits116.8677%119
Net loans and leases to core deposits147.0266%137
Total domestic deposits to total assets74.2793%4,909
Equity capital to assets25.1891%112
Core capital (leverage) ratio23.4473%143
Tier 1 risk-based capital ratio30.5918%454
Total risk-based capital ratio31.8485%446
Memoranda:
Average total assets$111,732,5003,909
Average earning assets$106,123,5003,881
Average equity$27,457,0002,549
Average total loans$96,832,5003,369
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3793%2,827
Cost of funding earning assets0.7571%1,749
Net interest margin3.6221%3,306
Noninterest income to average assets0.0256%5,312
Noninterest expense to average assets2.9223%2,270
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.3908%4,876
Return on assets (ROA)0.3908%4,871
Pretax return on assets0.5606%4,704
Return on Equity (ROE)1.6839%5,082
Retained earnings to average equity (ytd only)1.6839%4,473
Net charge-offs to loans-0.0308%4,820
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5620%684
Assets per employee ($millions)4.5594%3,072
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.5183%1,233
Loan loss allowance to noncurrent loans69.4444%3,932
Noncurrent assets plus other real estate owned to assets1.8634%538
Noncurrent loans to loans2.1863%592
Net loans and leases to total assets83.9365%419
Net loans and leases to deposits111.1389%223
Net loans and leases to core deposits141.7554%182
Total domestic deposits to total assets75.5240%4,809
Equity capital to assets23.9830%126
Core capital (leverage) ratio22.4150%160
Tier 1 risk-based capital ratio30.0188%473
Total risk-based capital ratio31.2752%467
Memoranda:
Average total assets$117,202,0003,835
Average earning assets$111,867,6003,781
Average equity$27,199,2002,503
Average total loans$100,664,8003,280
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3361%2,828
Cost of funding earning assets0.7260%1,718
Net interest margin3.6101%3,333
Noninterest income to average assets0.0260%5,387
Noninterest expense to average assets2.6608%3,098
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.5830%4,544
Return on assets (ROA)0.5830%4,556
Pretax return on assets0.8146%4,255
Return on Equity (ROE)2.5326%5,066
Retained earnings to average equity (ytd only)2.5326%4,388
Net charge-offs to loans-0.0079%4,331
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2029%1,330
Assets per employee ($millions)4.4071%3,260
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.4836%1,402
Loan loss allowance to noncurrent loans67.2542%4,041
Noncurrent assets plus other real estate owned to assets1.8816%596
Noncurrent loans to loans2.2060%637
Net loans and leases to total assets84.0276%453
Net loans and leases to deposits111.3845%253
Net loans and leases to core deposits141.3723%199
Total domestic deposits to total assets75.4392%4,842
Equity capital to assets23.8740%126
Core capital (leverage) ratio22.3356%159
Tier 1 risk-based capital ratio29.9962%479
Total risk-based capital ratio31.2530%470
Memoranda:
Average total assets$118,006,2503,859
Average earning assets$112,756,2503,803
Average equity$27,164,7502,514
Average total loans$101,543,5003,304
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2554%2,923
Cost of funding earning assets0.6666%1,832
Net interest margin3.5889%3,362
Noninterest income to average assets0.0252%5,451
Noninterest expense to average assets2.6237%3,249
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.5976%4,501
Return on assets (ROA)0.5976%4,505
Pretax return on assets0.8359%4,148
Return on Equity (ROE)2.6272%5,075
Retained earnings to average equity (ytd only)2.6272%4,202
Net charge-offs to loans-0.0078%4,230
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4973%1,491
Assets per employee ($millions)4.4502%3,202
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.4247%1,666
Loan loss allowance to noncurrent loans63.2314%4,142
Noncurrent assets plus other real estate owned to assets1.9059%577
Noncurrent loans to loans2.2532%609
Net loans and leases to total assets83.3799%533
Net loans and leases to deposits108.5815%332
Net loans and leases to core deposits140.1497%192
Total domestic deposits to total assets76.7902%4,755
Equity capital to assets22.6597%149
Core capital (leverage) ratio22.2485%158
Tier 1 risk-based capital ratio28.8877%524
Total risk-based capital ratio30.1436%519
Memoranda:
Average total assets$119,146,6703,877
Average earning assets$114,019,6703,810
Average equity$27,101,0002,528
Average total loans$102,813,6703,290
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2597%2,671
Cost of funding earning assets0.5954%2,086
Net interest margin3.6642%2,942
Noninterest income to average assets0.0270%5,520
Noninterest expense to average assets2.5050%3,624
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7350%3,967
Return on assets (ROA)0.7350%3,973
Pretax return on assets1.0283%3,433
Return on Equity (ROE)3.2251%4,969
Retained earnings to average equity (ytd only)3.2251%3,918
Net charge-offs to loans-0.0077%4,152
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6107%2,401
Assets per employee ($millions)4.2857%3,512
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.4022%1,835
Loan loss allowance to noncurrent loans65.3412%4,100
Noncurrent assets plus other real estate owned to assets1.8442%656
Noncurrent loans to loans2.1460%717
Net loans and leases to total assets84.7308%363
Net loans and leases to deposits110.4873%240
Net loans and leases to core deposits141.8703%195
Total domestic deposits to total assets76.6883%4,900
Equity capital to assets22.5917%146
Core capital (leverage) ratio22.0767%151
Tier 1 risk-based capital ratio28.3428%541
Total risk-based capital ratio29.5983%536
Memoranda:
Average total assets$118,642,0003,919
Average earning assets$113,529,5003,856
Average equity$27,038,0002,549
Average total loans$103,403,5003,299
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4528%1,870
Cost of funding earning assets0.5143%2,215
Net interest margin3.9385%1,960
Noninterest income to average assets1.8730%326
Noninterest expense to average assets3.7570%735
Loan and lease loss provision to assets-0.1685%5,556
Net operating income to assets1.1686%1,621
Return on assets (ROA)1.1686%1,649
Pretax return on assets2.0398%446
Return on Equity (ROE)5.2726%4,058
Retained earnings to average equity (ytd only)5.2726%1,954
Net charge-offs to loans-0.0846%5,333
Credit loss provision to net charge-offs229.8851%1,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5419%3,160
Assets per employee ($millions)3.7834%4,306
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.3927%1,799
Loan loss allowance to noncurrent loans86.5707%3,781
Noncurrent assets plus other real estate owned to assets1.4222%987
Noncurrent loans to loans1.6087%1,037
Net loans and leases to total assets87.1730%178
Net loans and leases to deposits114.8016%168
Net loans and leases to core deposits136.4091%245
Total domestic deposits to total assets75.9336%4,984
Equity capital to assets22.9921%133
Core capital (leverage) ratio21.9516%145
Tier 1 risk-based capital ratio28.2070%530
Total risk-based capital ratio29.4631%522
Memoranda:
Average total assets$118,686,0003,919
Average earning assets$113,164,0003,863
Average equity$26,305,8002,590
Average total loans$102,859,4003,302
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4836%1,689
Cost of funding earning assets0.4949%2,310
Net interest margin3.9887%1,738
Noninterest income to average assets2.4832%227
Noninterest expense to average assets3.6537%812
Loan and lease loss provision to assets-0.2240%5,667
Net operating income to assets1.7137%564
Return on assets (ROA)1.7137%579
Pretax return on assets2.8540%132
Return on Equity (ROE)7.8037%3,233
Retained earnings to average equity (ytd only)7.8037%1,301
Net charge-offs to loans-0.1104%5,404
Credit loss provision to net charge-offs235.2941%1,185
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9501%4,509
Assets per employee ($millions)3.8483%4,238
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.3933%1,918
Loan loss allowance to noncurrent loans513.1673%1,014
Noncurrent assets plus other real estate owned to assets0.2355%4,116
Noncurrent loans to loans0.2715%3,984
Net loans and leases to total assets85.5445%289
Net loans and leases to deposits116.5456%146
Net loans and leases to core deposits137.1445%241
Total domestic deposits to total assets73.4000%5,285
Equity capital to assets22.7357%136
Core capital (leverage) ratio21.9961%142
Tier 1 risk-based capital ratio28.0569%564
Total risk-based capital ratio29.3130%552
Memoranda:
Average total assets$119,036,5003,951
Average earning assets$113,417,2503,896
Average equity$26,140,7502,623
Average total loans$102,653,2503,337
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4887%1,546
Cost of funding earning assets0.4825%2,309
Net interest margin4.0063%1,583
Noninterest income to average assets0.0319%5,681
Noninterest expense to average assets2.9643%2,215
Loan and lease loss provision to assets-0.3363%5,738
Net operating income to assets0.7398%3,672
Return on assets (ROA)0.7398%3,737
Pretax return on assets1.2156%2,721
Return on Equity (ROE)3.4091%4,997
Retained earnings to average equity (ytd only)3.4091%3,683
Net charge-offs to loans-0.0606%5,250
Credit loss provision to net charge-offs645.1613%531
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8154%1,605
Assets per employee ($millions)3.7029%4,429
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3440%2,210
Loan loss allowance to noncurrent loans488.7324%1,048
Noncurrent assets plus other real estate owned to assets0.2397%4,182
Noncurrent loans to loans0.2750%4,059
Net loans and leases to total assets85.9874%272
Net loans and leases to deposits110.9987%242
Net loans and leases to core deposits128.0914%338
Total domestic deposits to total assets77.4670%4,894
Equity capital to assets21.9599%149
Core capital (leverage) ratio21.0257%168
Tier 1 risk-based capital ratio26.8466%613
Total risk-based capital ratio28.1019%604
Memoranda:
Average total assets$118,949,6703,976
Average earning assets$113,172,0003,922
Average equity$25,813,3302,645
Average total loans$102,373,0003,353
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5045%1,360
Cost of funding earning assets0.4377%2,640
Net interest margin4.0668%1,308
Noninterest income to average assets0.0269%5,768
Noninterest expense to average assets2.7656%2,904
Loan and lease loss provision to assets-0.3356%5,822
Net operating income to assets0.8928%2,800
Return on assets (ROA)0.8928%2,846
Pretax return on assets1.4634%1,651
Return on Equity (ROE)4.1385%4,735
Retained earnings to average equity (ytd only)4.1385%3,391
Net charge-offs to loans-0.0510%5,192
Credit loss provision to net charge-offs769.2308%408
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6897%2,790
Assets per employee ($millions)3.8433%4,277
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.4262%1,963
Loan loss allowance to noncurrent loans197.8466%2,282
Noncurrent assets plus other real estate owned to assets0.6041%2,833
Noncurrent loans to loans0.7208%2,691
Net loans and leases to total assets82.6150%501
Net loans and leases to deposits111.5314%186
Net loans and leases to core deposits128.0147%290
Total domestic deposits to total assets74.0733%5,412
Equity capital to assets21.0131%169
Core capital (leverage) ratio21.1422%159
Tier 1 risk-based capital ratio26.8520%634
Total risk-based capital ratio28.1063%623
Memoranda:
Average total assets$119,178,0004,007
Average earning assets$113,308,0003,958
Average equity$25,709,5002,671
Average total loans$101,921,0003,384
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6114%1,254
Cost of funding earning assets0.4044%2,959
Net interest margin4.2070%1,099
Noninterest income to average assets0.1095%5,620
Noninterest expense to average assets3.4093%1,335
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.4040%4,928
Return on assets (ROA)0.4040%5,014
Pretax return on assets0.6630%4,612
Return on Equity (ROE)1.7798%5,440
Retained earnings to average equity (ytd only)1.7798%4,514
Net charge-offs to loans-0.0253%5,188
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.4353%1,064
Assets per employee ($millions)3.4961%4,769
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.5451%1,517
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets85.9930%229
Net loans and leases to deposits119.9446%94
Net loans and leases to core deposits122.9883%405
Total domestic deposits to total assets71.6939%5,585
Equity capital to assets22.1685%146
Core capital (leverage) ratio21.6324%148
Tier 1 risk-based capital ratio27.8635%574
Total risk-based capital ratio29.1206%562
Memoranda:
Average total assets$112,367,6004,118
Average earning assets$105,846,2004,078
Average equity$25,508,0002,676
Average total loans$94,691,2003,488
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6778%1,115
Cost of funding earning assets0.3947%3,072
Net interest margin4.2831%961
Noninterest income to average assets0.1350%5,577
Noninterest expense to average assets3.2814%1,606
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5375%4,548
Return on assets (ROA)0.5375%4,651
Pretax return on assets0.8852%4,030
Return on Equity (ROE)2.3537%5,394
Retained earnings to average equity (ytd only)2.3537%4,504
Net charge-offs to loans-0.0272%5,122
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.4404%1,626
Assets per employee ($millions)3.3179%5,024
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.5760%1,550
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,556
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets85.9204%257
Net loans and leases to deposits121.4170%101
Net loans and leases to core deposits124.6124%399
Total domestic deposits to total assets70.7647%5,654
Equity capital to assets22.7792%142
Core capital (leverage) ratio21.7386%144
Tier 1 risk-based capital ratio28.5906%546
Total risk-based capital ratio29.8499%534
Memoranda:
Average total assets$111,616,7504,161
Average earning assets$105,061,5004,119
Average equity$25,491,0002,691
Average total loans$93,172,0003,529
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5314%1,427
Cost of funding earning assets0.3864%3,188
Net interest margin4.1450%1,248
Noninterest income to average assets0.1870%5,376
Noninterest expense to average assets3.4149%1,343
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.4046%5,018
Return on assets (ROA)0.4046%5,102
Pretax return on assets0.6689%4,716
Return on Equity (ROE)1.7701%5,560
Retained earnings to average equity (ytd only)1.7701%4,669
Net charge-offs to loans-0.0284%5,093
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.3113%1,112
Assets per employee ($millions)3.8345%4,202
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.6507%1,402
Loan loss allowance to noncurrent loans773.0000%736
Noncurrent assets plus other real estate owned to assets0.1799%4,775
Noncurrent loans to loans0.2135%4,588
Net loans and leases to total assets82.8327%532
Net loans and leases to deposits113.2839%186
Net loans and leases to core deposits116.2051%632
Total domestic deposits to total assets73.1196%5,596
Equity capital to assets22.9964%133
Core capital (leverage) ratio21.4859%146
Tier 1 risk-based capital ratio29.2540%527
Total risk-based capital ratio30.5143%522
Memoranda:
Average total assets$111,219,3304,202
Average earning assets$104,559,6704,161
Average equity$25,422,3302,710
Average total loans$91,403,3303,576
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3600%1,934
Cost of funding earning assets0.3675%3,422
Net interest margin3.9926%1,630
Noninterest income to average assets0.0324%6,015
Noninterest expense to average assets3.1431%1,972
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.3848%5,041
Return on assets (ROA)0.3848%5,114
Pretax return on assets0.6401%4,703
Return on Equity (ROE)1.6885%5,579
Retained earnings to average equity (ytd only)1.6885%4,598
Net charge-offs to loans-0.0266%5,007
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.7947%1,278
Assets per employee ($millions)3.8303%4,249
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7041%1,360
Loan loss allowance to noncurrent loans773.3668%704
Noncurrent assets plus other real estate owned to assets0.1792%4,854
Noncurrent loans to loans0.2203%4,638
Net loans and leases to total assets79.9206%826
Net loans and leases to deposits111.0896%201
Net loans and leases to core deposits112.8893%714
Total domestic deposits to total assets71.9425%5,774
Equity capital to assets22.9071%137
Core capital (leverage) ratio21.3626%153
Tier 1 risk-based capital ratio29.9273%511
Total risk-based capital ratio31.1880%506
Memoranda:
Average total assets$111,229,0004,242
Average earning assets$104,494,5004,200
Average equity$25,347,5002,717
Average total loans$90,277,0003,614
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4983%1,604
Cost of funding earning assets0.3321%3,882
Net interest margin4.1662%1,245
Noninterest income to average assets0.0503%6,005
Noninterest expense to average assets3.4144%1,458
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.3373%5,248
Return on assets (ROA)0.3373%5,337
Pretax return on assets0.5518%4,985
Return on Equity (ROE)1.4288%5,697
Retained earnings to average equity (ytd only)1.4288%4,913
Net charge-offs to loans0.0784%2,696
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)8.5224%2,935
Efficiency ratio85.8431%1,002
Assets per employee ($millions)3.8407%4,221
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.6988%1,348
Loan loss allowance to noncurrent loans747.8049%775
Noncurrent assets plus other real estate owned to assets0.1841%4,869
Noncurrent loans to loans0.2272%4,616
Net loans and leases to total assets79.6443%889
Net loans and leases to deposits111.7977%205
Net loans and leases to core deposits113.4869%710
Total domestic deposits to total assets71.2396%5,838
Equity capital to assets22.6703%129
Core capital (leverage) ratio23.3897%110
Tier 1 risk-based capital ratio30.4183%486
Total risk-based capital ratio31.6765%480
Memoranda:
Average total assets$103,474,4004,395
Average earning assets$97,258,4004,357
Average equity$24,425,6002,740
Average total loans$85,487,6003,687
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4868%1,629
Cost of funding earning assets0.3257%4,037
Net interest margin4.1612%1,250
Noninterest income to average assets0.0473%6,108
Noninterest expense to average assets3.2762%1,761
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.4164%5,103
Return on assets (ROA)0.4164%5,188
Pretax return on assets0.6818%4,743
Return on Equity (ROE)1.7451%5,726
Retained earnings to average equity (ytd only)1.7451%5,003
Net charge-offs to loans0.1170%1,957
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)7.0138%2,964
Efficiency ratio82.5755%1,319
Assets per employee ($millions)3.9366%3,999
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.6972%1,473
Loan loss allowance to noncurrent loans309.5335%1,576
Noncurrent assets plus other real estate owned to assets0.4473%4,005
Noncurrent loans to loans0.5483%3,697
Net loans and leases to total assets80.1885%802
Net loans and leases to deposits113.4039%180
Net loans and leases to core deposits115.6005%606
Total domestic deposits to total assets70.7106%5,942
Equity capital to assets22.9279%129
Core capital (leverage) ratio23.9754%106
Tier 1 risk-based capital ratio30.7259%486
Total risk-based capital ratio31.9845%480
Memoranda:
Average total assets$101,498,2504,482
Average earning assets$95,387,7504,452
Average equity$24,219,5002,784
Average total loans$84,299,5003,748
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5070%1,510
Cost of funding earning assets0.3233%4,114
Net interest margin4.1837%1,138
Noninterest income to average assets0.0325%6,209
Noninterest expense to average assets3.3776%1,517
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.3611%5,256
Return on assets (ROA)0.3611%5,371
Pretax return on assets0.5924%4,993
Return on Equity (ROE)1.4915%5,800
Retained earnings to average equity (ytd only)1.4915%4,954
Net charge-offs to loans0.1965%1,275
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)3.6049%3,168
Efficiency ratio84.8748%1,166
Assets per employee ($millions)3.8083%4,243
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.7760%1,419
Loan loss allowance to noncurrent loans174.7986%2,475
Noncurrent assets plus other real estate owned to assets1.0190%2,471
Noncurrent loans to loans1.0160%2,612
Net loans and leases to total assets84.8440%306
Net loans and leases to deposits119.7269%99
Net loans and leases to core deposits121.8454%421
Total domestic deposits to total assets70.8646%5,994
Equity capital to assets24.1423%106
Core capital (leverage) ratio23.2361%115
Tier 1 risk-based capital ratio31.0014%491
Total risk-based capital ratio32.2614%487
Memoranda:
Average total assets$98,589,6704,575
Average earning assets$92,788,0004,541
Average equity$23,868,6702,825
Average total loans$82,428,3303,814
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5130%1,422
Cost of funding earning assets0.3239%4,178
Net interest margin4.1891%1,085
Noninterest income to average assets0.0244%6,283
Noninterest expense to average assets3.2366%1,886
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.4432%4,902
Return on assets (ROA)0.4432%5,021
Pretax return on assets0.7319%4,492
Return on Equity (ROE)1.8281%5,723
Retained earnings to average equity (ytd only)1.8281%4,736
Net charge-offs to loans0.2819%854
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)3.1579%2,646
Efficiency ratio81.3525%1,708
Assets per employee ($millions)3.8247%4,298
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.8600%1,372
Loan loss allowance to noncurrent loans101.4464%3,658
Noncurrent assets plus other real estate owned to assets1.5295%1,700
Noncurrent loans to loans1.8335%1,469
Net loans and leases to total assets81.8710%473
Net loans and leases to deposits115.2355%142
Net loans and leases to core deposits117.6721%466
Total domestic deposits to total assets71.0467%6,084
Equity capital to assets24.0500%108
Core capital (leverage) ratio23.4902%108
Tier 1 risk-based capital ratio31.5230%475
Total risk-based capital ratio32.7832%472
Memoranda:
Average total assets$98,376,0004,615
Average earning assets$92,622,0004,580
Average equity$23,850,5002,846
Average total loans$80,878,0003,866
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3168%2,547
Cost of funding earning assets0.3939%3,750
Net interest margin3.9229%2,146
Noninterest income to average assets0.0323%6,332
Noninterest expense to average assets3.3682%1,764
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.2089%5,746
Return on assets (ROA)0.2089%5,809
Pretax return on assets0.3623%5,581
Return on Equity (ROE)0.9048%5,982
Retained earnings to average equity (ytd only)0.9048%5,376
Net charge-offs to loans-0.0306%5,792
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.0730%838
Assets per employee ($millions)3.7427%4,458
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.0305%1,054
Loan loss allowance to noncurrent loans172.4138%2,523
Noncurrent assets plus other real estate owned to assets0.9537%2,847
Noncurrent loans to loans1.1777%2,479
Net loans and leases to total assets79.3328%835
Net loans and leases to deposits106.3890%344
Net loans and leases to core deposits108.9629%830
Total domestic deposits to total assets74.5686%5,898
Equity capital to assets24.4428%106
Core capital (leverage) ratio23.4420%112
Tier 1 risk-based capital ratio32.4939%414
Total risk-based capital ratio33.7567%407
Memoranda:
Average total assets$99,102,4004,623
Average earning assets$93,426,4004,569
Average equity$22,877,0002,858
Average total loans$75,156,2004,018
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2559%2,787
Cost of funding earning assets0.4145%3,636
Net interest margin3.8414%2,469
Noninterest income to average assets0.0281%6,428
Noninterest expense to average assets3.3121%1,876
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.2049%5,841
Return on assets (ROA)0.2049%5,892
Pretax return on assets0.3402%5,693
Return on Equity (ROE)0.9006%6,048
Retained earnings to average equity (ytd only)0.9006%5,525
Net charge-offs to loans-0.0359%5,799
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.7690%856
Assets per employee ($millions)3.7716%4,350
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.0854%1,109
Loan loss allowance to noncurrent loans149.2523%2,754
Noncurrent assets plus other real estate owned to assets1.0911%2,780
Noncurrent loans to loans1.3972%2,316
Net loans and leases to total assets76.4639%1,162
Net loans and leases to deposits102.5872%474
Net loans and leases to core deposits105.0492%1,023
Total domestic deposits to total assets74.5355%5,964
Equity capital to assets24.1154%113
Core capital (leverage) ratio23.1210%121
Tier 1 risk-based capital ratio32.6845%420
Total risk-based capital ratio33.9477%414
Memoranda:
Average total assets$99,550,7504,650
Average earning assets$93,921,0004,601
Average equity$22,650,0002,886
Average total loans$74,245,7504,081
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2259%2,861
Cost of funding earning assets0.4465%3,368
Net interest margin3.7794%2,639
Noninterest income to average assets0.0300%6,494
Noninterest expense to average assets3.2565%2,027
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.2079%5,810
Return on assets (ROA)0.2079%5,870
Pretax return on assets0.3438%5,690
Return on Equity (ROE)0.9320%6,068
Retained earnings to average equity (ytd only)0.9320%5,379
Net charge-offs to loans-0.0191%5,530
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.1727%976
Assets per employee ($millions)3.7310%4,391
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.0885%1,198
Loan loss allowance to noncurrent loans239.6369%1,831
Noncurrent assets plus other real estate owned to assets0.6562%4,014
Noncurrent loans to loans0.8715%3,525
Net loans and leases to total assets73.7184%1,472
Net loans and leases to deposits98.0343%663
Net loans and leases to core deposits100.3026%1,257
Total domestic deposits to total assets75.1966%6,004
Equity capital to assets23.4484%118
Core capital (leverage) ratio22.4367%126
Tier 1 risk-based capital ratio32.8679%416
Total risk-based capital ratio34.1304%405
Memoranda:
Average total assets$100,047,0004,682
Average earning assets$94,513,3304,627
Average equity$22,317,3302,913
Average total loans$73,468,0004,122
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2790%2,596
Cost of funding earning assets0.4915%2,998
Net interest margin3.7876%2,518
Noninterest income to average assets0.0281%6,545
Noninterest expense to average assets3.3018%1,944
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.1886%5,831
Return on assets (ROA)0.1886%5,877
Pretax return on assets0.3129%5,685
Return on Equity (ROE)0.8677%6,064
Retained earnings to average equity (ytd only)0.8677%5,245
Net charge-offs to loans-0.0221%5,404
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.0122%1,126
Assets per employee ($millions)4.1724%3,585
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0554%1,403
Loan loss allowance to noncurrent loans235.4694%1,817
Noncurrent assets plus other real estate owned to assets0.6433%4,210
Noncurrent loans to loans0.8729%3,710
Net loans and leases to total assets72.1788%1,551
Net loans and leases to deposits94.6579%735
Net loans and leases to core deposits98.1629%1,226
Total domestic deposits to total assets76.2523%6,053
Equity capital to assets22.4947%137
Core capital (leverage) ratio21.4758%144
Tier 1 risk-based capital ratio31.8271%452
Total risk-based capital ratio33.0894%449
Memoranda:
Average total assets$99,702,5004,746
Average earning assets$94,413,5004,672
Average equity$21,665,5002,980
Average total loans$72,279,5004,192
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9815%4,147
Cost of funding earning assets0.5385%3,210
Net interest margin3.4430%4,121
Noninterest income to average assets0.1280%6,292
Noninterest expense to average assets3.1937%2,438
Loan and lease loss provision to assets-0.2108%6,607
Net operating income to assets0.2591%5,659
Return on assets (ROA)0.2591%5,737
Pretax return on assets0.4174%5,451
Return on Equity (ROE)1.2459%6,036
Retained earnings to average equity (ytd only)1.2459%5,269
Net charge-offs to loans0.0478%4,555
Credit loss provision to net charge-offs-591.1765%6,164
Earnings coverage of net charge-offs (x)5.7941%3,215
Efficiency ratio93.9235%757
Assets per employee ($millions)3.9623%3,938
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.3297%1,010
Loan loss allowance to noncurrent loans294.2164%1,514
Noncurrent assets plus other real estate owned to assets0.5636%4,543
Noncurrent loans to loans0.7918%4,000
Net loans and leases to total assets69.5224%2,093
Net loans and leases to deposits88.3533%1,428
Net loans and leases to core deposits90.7373%1,935
Total domestic deposits to total assets78.6868%5,712
Equity capital to assets20.8915%169
Core capital (leverage) ratio20.4347%176
Tier 1 risk-based capital ratio32.1000%426
Total risk-based capital ratio33.3677%419
Memoranda:
Average total assets$95,342,8004,855
Average earning assets$90,619,2004,753
Average equity$19,824,6003,170
Average total loans$71,194,4004,215
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0507%3,935
Cost of funding earning assets0.5621%3,148
Net interest margin3.4887%3,927
Noninterest income to average assets0.1579%6,242
Noninterest expense to average assets2.9572%3,122
Loan and lease loss provision to assets-0.2809%6,765
Net operating income to assets0.4752%4,909
Return on assets (ROA)0.4752%5,061
Pretax return on assets0.7952%4,311
Return on Equity (ROE)2.2879%5,855
Retained earnings to average equity (ytd only)2.2879%4,956
Net charge-offs to loans-0.0537%6,337
Credit loss provision to net charge-offs693.1034%417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1852%1,446
Assets per employee ($millions)3.9284%3,987
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.4659%968
Loan loss allowance to noncurrent loans190.9197%2,076
Noncurrent assets plus other real estate owned to assets0.9705%3,718
Noncurrent loans to loans1.2916%3,247
Net loans and leases to total assets68.8018%2,176
Net loans and leases to deposits87.8171%1,389
Net loans and leases to core deposits90.2196%1,947
Total domestic deposits to total assets78.3466%5,850
Equity capital to assets21.1708%167
Core capital (leverage) ratio20.5819%177
Tier 1 risk-based capital ratio32.1773%434
Total risk-based capital ratio33.4453%427
Memoranda:
Average total assets$95,404,5004,897
Average earning assets$90,615,0004,791
Average equity$19,814,0003,209
Average total loans$72,070,5004,225
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1706%3,470
Cost of funding earning assets0.5813%3,114
Net interest margin3.5893%3,405
Noninterest income to average assets0.3070%5,253
Noninterest expense to average assets2.8712%3,435
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.5012%4,790
Return on assets (ROA)0.5012%4,962
Pretax return on assets0.8394%4,160
Return on Equity (ROE)2.4285%5,823
Retained earnings to average equity (ytd only)2.4285%4,754
Net charge-offs to loans-0.0920%6,482
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3776%2,565
Assets per employee ($millions)4.1608%3,449
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.6083%880
Loan loss allowance to noncurrent loans593.5691%738
Noncurrent assets plus other real estate owned to assets0.7210%4,414
Noncurrent loans to loans0.4394%5,164
Net loans and leases to total assets72.0276%1,574
Net loans and leases to deposits92.0686%956
Net loans and leases to core deposits94.8795%1,448
Total domestic deposits to total assets78.2326%5,939
Equity capital to assets20.7528%177
Core capital (leverage) ratio20.1697%187
Tier 1 risk-based capital ratio29.9554%524
Total risk-based capital ratio31.2249%519
Memoranda:
Average total assets$95,779,0004,917
Average earning assets$90,826,6704,819
Average equity$19,765,3303,227
Average total loans$73,925,0004,175
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5327%2,053
Cost of funding earning assets0.6091%3,023
Net interest margin3.9236%2,036
Noninterest income to average assets0.5009%3,763
Noninterest expense to average assets2.8428%3,565
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.8182%3,060
Return on assets (ROA)0.8182%3,204
Pretax return on assets1.3692%1,973
Return on Equity (ROE)3.9761%5,104
Retained earnings to average equity (ytd only)3.9761%3,848
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4926%4,414
Assets per employee ($millions)3.9851%3,983
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4337%1,200
Loan loss allowance to noncurrent loans222.3313%1,718
Noncurrent assets plus other real estate owned to assets1.3383%3,284
Noncurrent loans to loans1.0946%3,952
Net loans and leases to total assets75.9541%846
Net loans and leases to deposits96.9492%493
Net loans and leases to core deposits99.8886%955
Total domestic deposits to total assets78.3442%6,067
Equity capital to assets20.7189%188
Core capital (leverage) ratio20.1352%187
Tier 1 risk-based capital ratio28.0324%642
Total risk-based capital ratio29.2994%628
Memoranda:
Average total assets$95,819,5004,952
Average earning assets$90,630,0004,876
Average equity$19,718,0003,278
Average total loans$75,500,0004,148
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5820%3,072
Cost of funding earning assets0.7027%3,475
Net interest margin3.8793%2,914
Noninterest income to average assets0.0553%6,665
Noninterest expense to average assets3.2203%2,549
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.3054%5,449
Return on assets (ROA)0.3054%5,653
Pretax return on assets0.4961%5,292
Return on Equity (ROE)1.5301%6,013
Retained earnings to average equity (ytd only)1.5301%5,102
Net charge-offs to loans2.0197%357
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)0.2937%5,333
Efficiency ratio86.6520%1,359
Assets per employee ($millions)3.9999%3,949
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.3673%1,284
Loan loss allowance to noncurrent loans170.9434%2,123
Noncurrent assets plus other real estate owned to assets1.9001%2,568
Noncurrent loans to loans1.3848%3,525
Net loans and leases to total assets77.8483%696
Net loans and leases to deposits99.1482%451
Net loans and leases to core deposits101.4250%925
Total domestic deposits to total assets78.5170%5,984
Equity capital to assets20.4381%210
Core capital (leverage) ratio19.8546%200
Tier 1 risk-based capital ratio26.8936%697
Total risk-based capital ratio28.1600%689
Memoranda:
Average total assets$97,568,0004,899
Average earning assets$92,077,8004,807
Average equity$19,476,0003,262
Average total loans$81,596,4003,990
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5797%3,289
Cost of funding earning assets0.7198%3,594
Net interest margin3.8600%3,078
Noninterest income to average assets0.0381%6,842
Noninterest expense to average assets3.1345%2,787
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.3199%5,546
Return on assets (ROA)0.3199%5,751
Pretax return on assets0.5458%5,325
Return on Equity (ROE)1.6118%6,123
Retained earnings to average equity (ytd only)1.6118%5,528
Net charge-offs to loans2.5585%240
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)0.2522%5,200
Efficiency ratio85.1701%1,463
Assets per employee ($millions)3.9646%3,943
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.3903%1,380
Loan loss allowance to noncurrent loans140.9194%2,399
Noncurrent assets plus other real estate owned to assets2.3657%2,247
Noncurrent loans to loans1.6962%3,245
Net loans and leases to total assets80.2556%487
Net loans and leases to deposits102.6205%325
Net loans and leases to core deposits105.0081%808
Total domestic deposits to total assets78.2062%6,032
Equity capital to assets20.5536%221
Core capital (leverage) ratio19.9648%205
Tier 1 risk-based capital ratio26.0114%827
Total risk-based capital ratio27.2777%809
Memoranda:
Average total assets$97,960,7504,932
Average earning assets$92,434,0004,837
Average equity$19,440,0003,299
Average total loans$82,859,5003,995
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5208%3,684
Cost of funding earning assets0.7256%3,802
Net interest margin3.7952%3,385
Noninterest income to average assets0.0586%6,826
Noninterest expense to average assets3.0638%3,038
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.3418%5,460
Return on assets (ROA)0.3418%5,683
Pretax return on assets0.5804%5,208
Return on Equity (ROE)1.7422%6,118
Retained earnings to average equity (ytd only)1.7422%5,322
Net charge-offs to loans3.2677%168
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)0.2081%4,968
Efficiency ratio84.0733%1,625
Assets per employee ($millions)3.9006%4,070
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.5194%1,256
Loan loss allowance to noncurrent loans31.7032%6,074
Noncurrent assets plus other real estate owned to assets7.1527%541
Noncurrent loans to loans7.9468%443
Net loans and leases to total assets82.5690%303
Net loans and leases to deposits104.8807%259
Net loans and leases to core deposits107.2615%695
Total domestic deposits to total assets78.7266%6,011
Equity capital to assets19.9875%239
Core capital (leverage) ratio19.9875%207
Tier 1 risk-based capital ratio25.7225%834
Total risk-based capital ratio26.9908%814
Memoranda:
Average total assets$98,897,3304,923
Average earning assets$93,434,6704,834
Average equity$19,401,0003,296
Average total loans$84,401,3303,956
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5058%3,885
Cost of funding earning assets0.7311%4,015
Net interest margin3.7746%3,496
Noninterest income to average assets0.0643%6,878
Noninterest expense to average assets3.1610%2,733
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.2771%5,730
Return on assets (ROA)0.2771%5,893
Pretax return on assets0.4699%5,525
Return on Equity (ROE)1.4259%6,244
Retained earnings to average equity (ytd only)1.4259%5,520
Net charge-offs to loans6.3492%55
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)0.0864%4,325
Efficiency ratio87.0575%1,372
Assets per employee ($millions)4.0284%3,950
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5211%1,320
Loan loss allowance to noncurrent loans36.8246%5,806
Noncurrent assets plus other real estate owned to assets6.3198%721
Noncurrent loans to loans6.8462%666
Net loans and leases to total assets84.2244%176
Net loans and leases to deposits109.6229%142
Net loans and leases to core deposits112.0300%470
Total domestic deposits to total assets76.8310%6,425
Equity capital to assets20.0567%222
Core capital (leverage) ratio20.0567%201
Tier 1 risk-based capital ratio25.4522%859
Total risk-based capital ratio26.7201%837
Memoranda:
Average total assets$99,588,0004,948
Average earning assets$94,101,5004,848
Average equity$19,356,0003,301
Average total loans$85,302,5003,964
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9426%3,144
Cost of funding earning assets0.8768%4,275
Net interest margin4.0658%2,583
Noninterest income to average assets0.2182%5,958
Noninterest expense to average assets3.3821%2,288
Loan and lease loss provision to assets3.1648%110
Net operating income to assets-1.4489%6,896
Return on assets (ROA)-1.4489%6,918
Pretax return on assets-2.4334%7,111
Return on Equity (ROE)-7.0991%6,640
Retained earnings to average equity (ytd only)-7.0991%6,579
Net charge-offs to loans2.4940%469
Credit loss provision to net charge-offs143.3860%2,027
Earnings coverage of net charge-offs (x)0.3314%5,576
Efficiency ratio82.2190%1,991
Assets per employee ($millions)4.2706%3,321
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6343%3,447
Loan loss allowance to noncurrent loans20.8254%6,590
Noncurrent assets plus other real estate owned to assets7.0481%646
Noncurrent loans to loans7.8477%522
Net loans and leases to total assets83.5621%228
Net loans and leases to deposits117.1529%99
Net loans and leases to core deposits119.8246%358
Total domestic deposits to total assets71.3274%6,908
Equity capital to assets18.8507%288
Core capital (leverage) ratio18.8507%252
Tier 1 risk-based capital ratio24.1054%958
Total risk-based capital ratio25.3556%944
Memoranda:
Average total assets$100,353,2004,882
Average earning assets$96,144,2004,741
Average equity$20,481,4003,074
Average total loans$88,814,0003,883
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0259%2,965
Cost of funding earning assets0.9243%4,238
Net interest margin4.1016%2,467
Noninterest income to average assets0.2084%6,126
Noninterest expense to average assets3.5183%1,895
Loan and lease loss provision to assets0.9858%878
Net operating income to assets-0.2070%6,392
Return on assets (ROA)-0.2070%6,471
Pretax return on assets-0.3540%6,536
Return on Equity (ROE)-0.9949%6,379
Retained earnings to average equity (ytd only)-0.9949%6,154
Net charge-offs to loans1.2982%1,189
Credit loss provision to net charge-offs84.9252%3,964
Earnings coverage of net charge-offs (x)0.5443%5,223
Efficiency ratio84.7763%1,653
Assets per employee ($millions)4.0303%3,779
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.3748%7,247
Loan loss allowance to noncurrent loans6.1846%6,931
Noncurrent assets plus other real estate owned to assets5.5330%1,001
Noncurrent loans to loans6.0601%918
Net loans and leases to total assets90.9613%31
Net loans and leases to deposits117.4135%97
Net loans and leases to core deposits121.3101%357
Total domestic deposits to total assets77.4708%6,306
Equity capital to assets21.3175%191
Core capital (leverage) ratio21.3175%167
Tier 1 risk-based capital ratio26.0304%833
Total risk-based capital ratio26.4483%889
Memoranda:
Average total assets$99,817,7504,933
Average earning assets$95,928,0004,779
Average equity$20,771,5003,042
Average total loans$89,250,0003,918
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0541%2,905
Cost of funding earning assets0.9626%4,237
Net interest margin4.0915%2,442
Noninterest income to average assets0.1825%6,351
Noninterest expense to average assets3.5360%1,893
Loan and lease loss provision to assets0.1666%4,265
Net operating income to assets0.2419%5,589
Return on assets (ROA)0.2419%5,711
Pretax return on assets0.4165%5,349
Return on Equity (ROE)1.1718%6,040
Retained earnings to average equity (ytd only)1.1718%5,392
Net charge-offs to loans0.4422%2,803
Credit loss provision to net charge-offs42.4242%4,767
Earnings coverage of net charge-offs (x)1.4848%4,172
Efficiency ratio85.8450%1,614
Assets per employee ($millions)4.0034%3,750
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.3922%7,299
Loan loss allowance to noncurrent loans9.5290%6,956
Noncurrent assets plus other real estate owned to assets3.6489%1,792
Noncurrent loans to loans4.1161%1,664
Net loans and leases to total assets88.3001%75
Net loans and leases to deposits114.0012%123
Net loans and leases to core deposits118.9432%445
Total domestic deposits to total assets77.4554%6,384
Equity capital to assets20.8790%217
Core capital (leverage) ratio20.8790%188
Tier 1 risk-based capital ratio26.3924%773
Total risk-based capital ratio26.8319%828
Memoranda:
Average total assets$100,847,6704,939
Average earning assets$97,030,3304,783
Average equity$20,822,0003,022
Average total loans$89,561,3303,947
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9948%3,128
Cost of funding earning assets0.9907%4,264
Net interest margin4.0041%2,669
Noninterest income to average assets0.1502%6,653
Noninterest expense to average assets3.8724%1,217
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.0751%6,156
Return on assets (ROA)0.0751%6,215
Pretax return on assets0.1264%6,117
Return on Equity (ROE)0.3657%6,289
Retained earnings to average equity (ytd only)0.3657%5,668
Net charge-offs to loans-0.0978%7,080
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.8379%882
Assets per employee ($millions)4.0163%3,802
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.5454%7,258
Loan loss allowance to noncurrent loans21.7235%6,703
Noncurrent assets plus other real estate owned to assets3.1362%2,200
Noncurrent loans to loans2.5107%2,974
Net loans and leases to total assets87.8964%81
Net loans and leases to deposits113.0286%142
Net loans and leases to core deposits117.4760%490
Total domestic deposits to total assets77.7647%6,404
Equity capital to assets20.7095%221
Core capital (leverage) ratio20.7095%193
Tier 1 risk-based capital ratio26.1787%771
Total risk-based capital ratio26.7880%807
Memoranda:
Average total assets$101,228,5004,970
Average earning assets$97,300,5004,812
Average equity$20,784,5003,015
Average total loans$89,980,0003,978
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4059%2,647
Cost of funding earning assets1.2927%3,929
Net interest margin4.1132%2,507
Noninterest income to average assets0.1181%6,817
Noninterest expense to average assets3.3162%2,683
Loan and lease loss provision to assets0.1921%5,307
Net operating income to assets0.3659%4,692
Return on assets (ROA)0.3659%4,843
Pretax return on assets0.6098%4,288
Return on Equity (ROE)1.8542%5,443
Retained earnings to average equity (ytd only)1.8542%4,563
Net charge-offs to loans0.1298%5,600
Credit loss provision to net charge-offs162.6016%2,136
Earnings coverage of net charge-offs (x)6.7886%2,275
Efficiency ratio80.5271%2,341
Assets per employee ($millions)4.0820%3,615
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.5065%7,351
Loan loss allowance to noncurrent loans27.3211%6,457
Noncurrent assets plus other real estate owned to assets2.7301%2,556
Noncurrent loans to loans1.8537%3,748
Net loans and leases to total assets88.9367%75
Net loans and leases to deposits113.9587%176
Net loans and leases to core deposits117.7985%588
Total domestic deposits to total assets78.0429%6,304
Equity capital to assets20.3579%239
Core capital (leverage) ratio20.3579%215
Tier 1 risk-based capital ratio25.6786%789
Total risk-based capital ratio26.2496%827
Memoranda:
Average total assets$104,124,8004,867
Average earning assets$101,259,6004,694
Average equity$20,547,8003,071
Average total loans$94,778,8003,932
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4233%2,775
Cost of funding earning assets1.3421%3,961
Net interest margin4.0812%2,700
Noninterest income to average assets0.1147%6,974
Noninterest expense to average assets3.4108%2,263
Loan and lease loss provision to assets0.1605%5,432
Net operating income to assets0.2574%5,323
Return on assets (ROA)0.2574%5,481
Pretax return on assets0.5186%4,863
Return on Equity (ROE)1.3144%5,814
Retained earnings to average equity (ytd only)1.3144%5,284
Net charge-offs to loans0.1380%5,196
Credit loss provision to net charge-offs127.2727%3,200
Earnings coverage of net charge-offs (x)5.3837%2,758
Efficiency ratio83.3956%1,903
Assets per employee ($millions)4.0065%3,821
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.4308%7,505
Loan loss allowance to noncurrent loans23.2948%6,744
Noncurrent assets plus other real estate owned to assets2.6966%2,676
Noncurrent loans to loans1.8492%3,867
Net loans and leases to total assets89.4238%71
Net loans and leases to deposits115.3287%169
Net loans and leases to core deposits119.6222%627
Total domestic deposits to total assets77.5382%6,360
Equity capital to assets19.7719%298
Core capital (leverage) ratio19.7719%253
Tier 1 risk-based capital ratio24.9114%865
Total risk-based capital ratio25.3988%905
Memoranda:
Average total assets$104,643,7504,916
Average earning assets$101,928,5004,729
Average equity$20,491,0003,123
Average total loans$95,668,2503,977
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4418%2,794
Cost of funding earning assets1.3942%3,908
Net interest margin4.0476%2,801
Noninterest income to average assets0.1183%7,011
Noninterest expense to average assets3.4446%2,154
Loan and lease loss provision to assets0.1145%5,758
Net operating income to assets0.2595%5,336
Return on assets (ROA)0.2595%5,478
Pretax return on assets0.5095%4,878
Return on Equity (ROE)1.3297%5,858
Retained earnings to average equity (ytd only)1.3297%5,220
Net charge-offs to loans0.2055%4,386
Credit loss provision to net charge-offs60.6061%5,195
Earnings coverage of net charge-offs (x)3.3030%3,377
Efficiency ratio84.6623%1,848
Assets per employee ($millions)4.0017%3,768
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.4418%7,569
Loan loss allowance to noncurrent loans16.4793%7,094
Noncurrent assets plus other real estate owned to assets2.7152%2,657
Noncurrent loans to loans2.6812%2,968
Net loans and leases to total assets92.0400%30
Net loans and leases to deposits118.5978%145
Net loans and leases to core deposits123.0144%601
Total domestic deposits to total assets77.6068%6,367
Equity capital to assets19.7318%298
Core capital (leverage) ratio19.7318%260
Tier 1 risk-based capital ratio24.3552%907
Total risk-based capital ratio24.8594%967
Memoranda:
Average total assets$104,802,3304,946
Average earning assets$102,282,3304,740
Average equity$20,456,0003,115
Average total loans$96,373,0004,004
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4327%2,887
Cost of funding earning assets1.4614%3,798
Net interest margin3.9712%2,992
Noninterest income to average assets0.1179%7,104
Noninterest expense to average assets3.6775%1,554
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.1901%5,719
Return on assets (ROA)0.1901%5,844
Pretax return on assets0.3156%5,557
Return on Equity (ROE)0.9795%6,120
Retained earnings to average equity (ytd only)0.9795%5,423
Net charge-offs to loans0.0456%4,957
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)7.5455%2,073
Efficiency ratio92.0952%1,272
Assets per employee ($millions)4.0383%3,783
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.4694%7,619
Loan loss allowance to noncurrent loans17.5377%7,128
Noncurrent assets plus other real estate owned to assets2.6982%2,698
Noncurrent loans to loans2.6763%2,997
Net loans and leases to total assets91.4902%41
Net loans and leases to deposits117.9905%167
Net loans and leases to core deposits123.7338%652
Total domestic deposits to total assets77.5403%6,439
Equity capital to assets19.4710%309
Core capital (leverage) ratio19.4710%283
Tier 1 risk-based capital ratio24.1941%949
Total risk-based capital ratio24.7302%990
Memoranda:
Average total assets$105,181,0005,003
Average earning assets$102,638,0004,794
Average equity$20,419,0003,145
Average total loans$96,465,5004,064
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8999%2,237
Cost of funding earning assets1.8529%3,721
Net interest margin4.0470%2,665
Noninterest income to average assets0.1145%7,184
Noninterest expense to average assets3.3466%2,848
Loan and lease loss provision to assets0.0709%6,870
Net operating income to assets0.3935%4,153
Return on assets (ROA)0.3935%4,248
Pretax return on assets0.6574%3,717
Return on Equity (ROE)2.0641%4,879
Retained earnings to average equity (ytd only)2.0641%3,663
Net charge-offs to loans0.0460%6,646
Credit loss provision to net charge-offs166.6667%2,597
Earnings coverage of net charge-offs (x)17.1111%1,208
Efficiency ratio82.1263%2,578
Assets per employee ($millions)4.0525%3,705
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.4812%7,683
Loan loss allowance to noncurrent loans23.6253%6,874
Noncurrent assets plus other real estate owned to assets2.1041%3,266
Noncurrent loans to loans2.0370%3,602
Net loans and leases to total assets91.0663%61
Net loans and leases to deposits118.1777%200
Net loans and leases to core deposits203.4821%94
Total domestic deposits to total assets77.0588%6,464
Equity capital to assets19.3556%342
Core capital (leverage) ratio19.3556%318
Tier 1 risk-based capital ratio24.1503%936
Total risk-based capital ratio24.6998%977
Memoranda:
Average total assets$105,719,0004,935
Average earning assets$103,460,2004,742
Average equity$20,154,4003,170
Average total loans$97,811,2004,013
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9080%2,414
Cost of funding earning assets1.9582%3,577
Net interest margin3.9498%3,036
Noninterest income to average assets0.1147%7,321
Noninterest expense to average assets3.3998%2,576
Loan and lease loss provision to assets0.0542%6,834
Net operating income to assets0.3188%4,725
Return on assets (ROA)0.3188%4,832
Pretax return on assets0.5292%4,425
Return on Equity (ROE)1.6787%5,275
Retained earnings to average equity (ytd only)1.6787%4,371
Net charge-offs to loans-0.0258%7,783
Credit loss provision to net charge-offs-226.3158%7,230
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3527%2,147
Assets per employee ($millions)4.0265%3,673
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.5293%7,675
Loan loss allowance to noncurrent loans18.9554%7,145
Noncurrent assets plus other real estate owned to assets2.6154%2,661
Noncurrent loans to loans2.7924%2,721
Net loans and leases to total assets93.1645%33
Net loans and leases to deposits122.1088%170
Net loans and leases to core deposits206.1944%91
Total domestic deposits to total assets76.2962%6,529
Equity capital to assets19.3250%387
Core capital (leverage) ratio19.3250%354
Tier 1 risk-based capital ratio23.7492%1,027
Total risk-based capital ratio24.3585%1,069
Memoranda:
Average total assets$105,807,5004,960
Average earning assets$103,630,2504,775
Average equity$20,094,5003,215
Average total loans$98,160,0004,037
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0226%2,088
Cost of funding earning assets2.0480%3,529
Net interest margin3.9746%2,813
Noninterest income to average assets0.1168%7,405
Noninterest expense to average assets3.4959%2,348
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.3089%4,854
Return on assets (ROA)0.3089%4,966
Pretax return on assets0.5105%4,586
Return on Equity (ROE)1.6360%5,424
Retained earnings to average equity (ytd only)1.6360%4,426
Net charge-offs to loans-0.0387%7,811
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.2591%2,100
Assets per employee ($millions)4.0172%3,639
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.4922%7,800
Loan loss allowance to noncurrent loans21.3836%7,047
Noncurrent assets plus other real estate owned to assets2.1312%3,017
Noncurrent loans to loans2.3018%3,133
Net loans and leases to total assets92.1337%55
Net loans and leases to deposits120.7297%222
Net loans and leases to core deposits205.3082%106
Total domestic deposits to total assets76.3141%6,481
Equity capital to assets19.2846%431
Core capital (leverage) ratio19.2846%400
Tier 1 risk-based capital ratio24.1020%1,024
Total risk-based capital ratio24.6715%1,075
Memoranda:
Average total assets$106,180,6704,987
Average earning assets$103,908,6704,794
Average equity$20,049,0003,234
Average total loans$98,196,3304,058
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9296%2,651
Cost of funding earning assets2.1180%3,570
Net interest margin3.8116%3,400
Noninterest income to average assets0.1084%7,490
Noninterest expense to average assets3.5311%2,025
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.1831%5,706
Return on assets (ROA)0.1831%5,884
Pretax return on assets0.3027%5,674
Return on Equity (ROE)0.9799%6,129
Retained earnings to average equity (ytd only)0.9799%5,253
Net charge-offs to loans-0.0768%7,815
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.1053%1,557
Assets per employee ($millions)4.1330%3,391
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.4823%7,843
Loan loss allowance to noncurrent loans13.6939%7,441
Noncurrent assets plus other real estate owned to assets3.2348%1,707
Noncurrent loans to loans3.5219%1,807
Net loans and leases to total assets91.4032%81
Net loans and leases to deposits121.2682%264
Net loans and leases to core deposits210.3708%115
Total domestic deposits to total assets75.3727%6,632
Equity capital to assets18.6370%529
Core capital (leverage) ratio18.6370%481
Tier 1 risk-based capital ratio23.2157%1,167
Total risk-based capital ratio23.7675%1,216
Memoranda:
Average total assets$107,048,0004,981
Average earning assets$104,628,0004,784
Average equity$20,002,5003,261
Average total loans$98,941,5004,070
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5119%2,900
Cost of funding earning assets2.6397%3,487
Net interest margin3.8722%3,699
Noninterest income to average assets0.1116%7,570
Noninterest expense to average assets3.1056%3,671
Loan and lease loss provision to assets0.0915%6,229
Net operating income to assets0.4255%5,053
Return on assets (ROA)0.4255%4,871
Pretax return on assets0.7064%4,380
Return on Equity (ROE)2.3503%5,478
Retained earnings to average equity (ytd only)2.3503%3,739
Net charge-offs to loans0.3426%3,117
Credit loss provision to net charge-offs29.1545%6,533
Earnings coverage of net charge-offs (x)2.5423%4,804
Efficiency ratio79.5593%2,660
Assets per employee ($millions)3.8085%3,938
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.4607%7,902
Loan loss allowance to noncurrent loans41.7352%5,943
Noncurrent assets plus other real estate owned to assets1.0268%4,257
Noncurrent loans to loans1.1040%4,353
Net loans and leases to total assets92.5843%64
Net loans and leases to deposits120.2324%383
Net loans and leases to core deposits208.2911%144
Total domestic deposits to total assets77.0044%5,992
Equity capital to assets18.7344%576
Core capital (leverage) ratio18.7344%534
Tier 1 risk-based capital ratio23.3702%1,155
Total risk-based capital ratio23.9048%1,203
Memoranda:
Average total assets$109,285,6004,803
Average earning assets$107,019,6004,595
Average equity$19,785,0003,265
Average total loans$100,129,4003,944