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Chambers State Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5557%547
Cost of funding earning assets0.3988%1,552
Net interest margin4.1569%533
Noninterest income to average assets0.9092%1,178
Noninterest expense to average assets2.3639%2,607
Loan and lease loss provision to assets0.0558%1,933
Net operating income to assets1.8270%479
Return on assets (ROA)1.8270%499
Pretax return on assets2.4441%276
Return on Equity (ROE)7.4278%3,397
Retained earnings to average equity (ytd only)4.5172%2,997
Net charge-offs to loans0.0088%2,249
Credit loss provision to net charge-offs780.0000%613
Earnings coverage of net charge-offs (x)349.2000%363
Efficiency ratio48.6017%4,373
Assets per employee ($millions)6.4863%2,345
Cash dividends to net income (ytd only)*39.1850%2,074
Condition Ratios (%)
Loss allowance to loans0.9715%3,871
Loan loss allowance to noncurrent loans1,095.9184%825
Noncurrent assets plus other real estate owned to assets0.1416%2,944
Noncurrent loans to loans0.0886%3,491
Net loans and leases to total assets76.7173%461
Net loans and leases to deposits102.4155%157
Net loans and leases to core deposits133.3813%91
Total domestic deposits to total assets74.9078%4,556
Equity capital to assets24.5161%99
Core capital (leverage) ratio25.3441%91
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$69,842,4004,341
Average earning assets$66,444,4004,309
Average equity$17,178,8003,444
Average total loans$57,022,6003,872
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5713%596
Cost of funding earning assets0.3966%1,718
Net interest margin4.1747%572
Noninterest income to average assets0.9961%1,077
Noninterest expense to average assets1.8560%4,040
Loan and lease loss provision to assets0.0633%1,733
Net operating income to assets2.4625%223
Return on assets (ROA)2.4625%227
Pretax return on assets3.0767%165
Return on Equity (ROE)10.0034%2,735
Retained earnings to average equity (ytd only)6.1049%2,777
Net charge-offs to loans0.0093%1,975
Credit loss provision to net charge-offs825.0000%577
Earnings coverage of net charge-offs (x)409.0000%349
Efficiency ratio37.1494%4,791
Assets per employee ($millions)6.7577%2,044
Cash dividends to net income (ytd only)*38.9712%1,666
Condition Ratios (%)
Loss allowance to loans0.9109%4,125
Loan loss allowance to noncurrent loans818.4615%931
Noncurrent assets plus other real estate owned to assets0.4957%1,540
Noncurrent loans to loans0.1113%3,537
Net loans and leases to total assets85.6386%73
Net loans and leases to deposits116.6116%51
Net loans and leases to core deposits149.4860%60
Total domestic deposits to total assets73.4392%4,657
Equity capital to assets25.8949%87
Core capital (leverage) ratio25.6636%89
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$69,465,7504,403
Average earning assets$66,558,5004,361
Average equity$17,100,5003,500
Average total loans$57,459,7503,918
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5823%644
Cost of funding earning assets0.4012%1,875
Net interest margin4.1812%604
Noninterest income to average assets1.3981%607
Noninterest expense to average assets1.9944%3,716
Loan and lease loss provision to assets0.0942%1,333
Net operating income to assets2.9817%133
Return on assets (ROA)2.9817%140
Pretax return on assets3.3240%134
Return on Equity (ROE)12.3175%1,941
Retained earnings to average equity (ytd only)6.4240%2,653
Net charge-offs to loans0.0560%1,060
Credit loss provision to net charge-offs206.2500%1,040
Earnings coverage of net charge-offs (x)74.8750%870
Efficiency ratio36.8477%4,824
Assets per employee ($millions)6.9992%1,809
Cash dividends to net income (ytd only)*47.8469%1,303
Condition Ratios (%)
Loss allowance to loans0.9187%4,104
Loan loss allowance to noncurrent loans1,130.4348%681
Noncurrent assets plus other real estate owned to assets0.4515%1,827
Noncurrent loans to loans0.0813%3,779
Net loans and leases to total assets80.1220%311
Net loans and leases to deposits106.9700%146
Net loans and leases to core deposits135.0878%102
Total domestic deposits to total assets74.9014%4,624
Equity capital to assets24.6614%99
Core capital (leverage) ratio23.9746%106
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$70,095,3334,423
Average earning assets$67,302,0004,378
Average equity$16,967,6673,515
Average total loans$57,145,0003,949
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8441%456
Cost of funding earning assets0.4047%2,057
Net interest margin4.4394%400
Noninterest income to average assets1.9046%406
Noninterest expense to average assets1.7734%4,259
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets4.0486%78
Return on assets (ROA)4.0486%80
Pretax return on assets4.3851%91
Return on Equity (ROE)16.8837%866
Retained earnings to average equity (ytd only)4.9938%3,223
Net charge-offs to loans-0.1115%4,671
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.7963%4,919
Assets per employee ($millions)7.1957%1,652
Cash dividends to net income (ytd only)*70.4225%712
Condition Ratios (%)
Loss allowance to loans0.9134%4,120
Loan loss allowance to noncurrent loans552.1277%1,095
Noncurrent assets plus other real estate owned to assets0.5170%1,833
Noncurrent loans to loans0.1654%3,516
Net loans and leases to total assets78.2467%453
Net loans and leases to deposits102.8665%222
Net loans and leases to core deposits129.9453%141
Total domestic deposits to total assets76.0663%4,582
Equity capital to assets23.5224%111
Core capital (leverage) ratio23.8973%112
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$70,147,0004,436
Average earning assets$67,216,0004,395
Average equity$16,821,0003,527
Average total loans$57,418,0003,955
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5462%1,197
Cost of funding earning assets0.5074%2,906
Net interest margin4.0389%896
Noninterest income to average assets0.3252%3,515
Noninterest expense to average assets2.1703%3,756
Loan and lease loss provision to assets0.1848%2,103
Net operating income to assets1.4459%927
Return on assets (ROA)1.4459%1,008
Pretax return on assets1.8302%639
Return on Equity (ROE)5.4084%3,775
Retained earnings to average equity (ytd only)-7.3107%4,875
Net charge-offs to loans0.0903%1,551
Credit loss provision to net charge-offs255.1020%1,916
Earnings coverage of net charge-offs (x)27.8163%1,671
Efficiency ratio51.8545%4,395
Assets per employee ($millions)6.8337%1,687
Cash dividends to net income (ytd only)*235.1738%46
Condition Ratios (%)
Loss allowance to loans0.8670%4,279
Loan loss allowance to noncurrent loans474.5283%1,189
Noncurrent assets plus other real estate owned to assets0.6146%1,717
Noncurrent loans to loans0.1827%3,560
Net loans and leases to total assets84.1565%168
Net loans and leases to deposits114.1071%118
Net loans and leases to core deposits147.4729%95
Total domestic deposits to total assets73.7521%4,647
Equity capital to assets24.4611%105
Core capital (leverage) ratio23.5575%110
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$67,641,2004,417
Average earning assets$64,646,8004,378
Average equity$18,083,0003,356
Average total loans$54,256,4004,016
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5259%1,510
Cost of funding earning assets0.5208%3,110
Net interest margin4.0051%1,104
Noninterest income to average assets0.2411%4,041
Noninterest expense to average assets1.7667%4,546
Loan and lease loss provision to assets0.2475%1,637
Net operating income to assets1.5750%773
Return on assets (ROA)1.5750%846
Pretax return on assets2.0572%464
Return on Equity (ROE)5.7675%3,631
Retained earnings to average equity (ytd only)5.7675%2,198
Net charge-offs to loans0.1200%1,167
Credit loss provision to net charge-offs260.4167%1,896
Earnings coverage of net charge-offs (x)24.2917%1,762
Efficiency ratio43.3981%4,818
Assets per employee ($millions)7.3073%1,321
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8631%4,185
Loan loss allowance to noncurrent loans484.6154%1,086
Noncurrent assets plus other real estate owned to assets0.5761%2,001
Noncurrent loans to loans0.1781%3,671
Net loans and leases to total assets79.2221%683
Net loans and leases to deposits107.9453%270
Net loans and leases to core deposits139.5074%167
Total domestic deposits to total assets73.3910%4,611
Equity capital to assets25.7756%90
Core capital (leverage) ratio26.8910%77
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$67,467,2504,431
Average earning assets$64,516,2504,395
Average equity$18,424,7503,328
Average total loans$53,317,2504,059
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5029%1,905
Cost of funding earning assets0.5374%3,304
Net interest margin3.9655%1,412
Noninterest income to average assets0.2011%4,268
Noninterest expense to average assets1.9353%4,356
Loan and lease loss provision to assets0.1524%2,481
Net operating income to assets1.6579%671
Return on assets (ROA)1.6579%730
Pretax return on assets1.9139%657
Return on Equity (ROE)5.9411%3,527
Retained earnings to average equity (ytd only)5.9411%2,106
Net charge-offs to loans0.1860%818
Credit loss provision to net charge-offs104.1667%2,371
Earnings coverage of net charge-offs (x)14.1250%1,960
Efficiency ratio48.3625%4,602
Assets per employee ($millions)7.0366%1,417
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.7667%4,423
Loan loss allowance to noncurrent loans199.5349%2,146
Noncurrent assets plus other real estate owned to assets0.8029%1,547
Noncurrent loans to loans0.3842%3,032
Net loans and leases to total assets78.9088%735
Net loans and leases to deposits108.2316%265
Net loans and leases to core deposits142.1677%148
Total domestic deposits to total assets72.9074%4,654
Equity capital to assets26.4076%84
Core capital (leverage) ratio27.4813%73
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$65,623,6674,464
Average earning assets$62,893,0004,426
Average equity$18,313,0003,333
Average total loans$51,625,0004,108
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6008%1,994
Cost of funding earning assets0.5561%3,658
Net interest margin4.0447%1,270
Noninterest income to average assets0.1581%4,582
Noninterest expense to average assets1.8972%4,548
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.7770%430
Return on assets (ROA)1.7770%478
Pretax return on assets2.1248%356
Return on Equity (ROE)6.1831%3,244
Retained earnings to average equity (ytd only)6.1831%1,806
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.1698%4,791
Assets per employee ($millions)5.8865%1,768
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.8430%4,299
Loan loss allowance to noncurrent loans106.4838%3,142
Noncurrent assets plus other real estate owned to assets1.1598%1,091
Noncurrent loans to loans0.7916%2,031
Net loans and leases to total assets77.5683%1,044
Net loans and leases to deposits109.4485%196
Net loans and leases to core deposits153.3274%105
Total domestic deposits to total assets70.8719%4,818
Equity capital to assets28.2910%80
Core capital (leverage) ratio29.2141%73
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$63,252,5004,508
Average earning assets$60,424,5004,473
Average equity$18,178,5003,352
Average total loans$49,460,5004,161
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9723%1,547
Cost of funding earning assets0.5991%3,638
Net interest margin4.3732%943
Noninterest income to average assets0.2824%3,994
Noninterest expense to average assets2.3439%3,836
Loan and lease loss provision to assets0.2492%738
Net operating income to assets1.4485%1,195
Return on assets (ROA)1.4485%1,258
Pretax return on assets1.8971%753
Return on Equity (ROE)4.9166%4,228
Retained earnings to average equity (ytd only)4.9166%2,465
Net charge-offs to loans0.3138%661
Credit loss provision to net charge-offs100.0000%2,460
Earnings coverage of net charge-offs (x)8.6133%2,753
Efficiency ratio52.2013%4,590
Assets per employee ($millions)5.6139%1,959
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.8847%4,034
Loan loss allowance to noncurrent loans637.3134%806
Noncurrent assets plus other real estate owned to assets0.1085%4,086
Noncurrent loans to loans0.1388%3,972
Net loans and leases to total assets77.4699%1,170
Net loans and leases to deposits110.6690%179
Net loans and leases to core deposits158.1801%83
Total domestic deposits to total assets70.0015%4,936
Equity capital to assets29.2099%78
Core capital (leverage) ratio29.2265%75
Tier 1 risk-based capital ratio36.2908%302
Total risk-based capital ratio37.1499%304
Memoranda:
Average total assets$60,198,4004,593
Average earning assets$57,921,4004,558
Average equity$17,735,8003,365
Average total loans$47,796,8004,224
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9745%1,613
Cost of funding earning assets0.5845%3,760
Net interest margin4.3900%970
Noninterest income to average assets0.2051%4,490
Noninterest expense to average assets1.8235%4,785
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets2.0576%357
Return on assets (ROA)2.0576%369
Pretax return on assets2.6171%199
Return on Equity (ROE)6.9684%3,690
Retained earnings to average equity (ytd only)6.9684%1,874
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.0643%5,102
Assets per employee ($millions)5.5276%2,004
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8504%4,220
Loan loss allowance to noncurrent loans561.8421%893
Noncurrent assets plus other real estate owned to assets0.1250%4,102
Noncurrent loans to loans0.1514%3,997
Net loans and leases to total assets81.8762%583
Net loans and leases to deposits119.4520%99
Net loans and leases to core deposits145.4992%146
Total domestic deposits to total assets68.5432%5,049
Equity capital to assets29.7497%75
Core capital (leverage) ratio29.9358%71
Tier 1 risk-based capital ratio35.8560%326
Total risk-based capital ratio36.7024%328
Memoranda:
Average total assets$59,809,7504,664
Average earning assets$57,706,0004,617
Average equity$17,660,2503,391
Average total loans$47,679,2504,282
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8972%1,760
Cost of funding earning assets0.5480%3,884
Net interest margin4.3492%1,045
Noninterest income to average assets0.1715%4,728
Noninterest expense to average assets1.8561%4,809
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.2126%260
Return on assets (ROA)2.2126%270
Pretax return on assets2.5051%237
Return on Equity (ROE)7.5126%3,488
Retained earnings to average equity (ytd only)7.5126%1,589
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.5598%5,104
Assets per employee ($millions)5.5300%1,934
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8816%4,160
Loan loss allowance to noncurrent loans618.8406%848
Noncurrent assets plus other real estate owned to assets0.1134%4,190
Noncurrent loans to loans0.1425%4,046
Net loans and leases to total assets78.9249%1,054
Net loans and leases to deposits113.2018%161
Net loans and leases to core deposits137.3519%222
Total domestic deposits to total assets69.7205%5,055
Equity capital to assets29.3013%74
Core capital (leverage) ratio29.5222%72
Tier 1 risk-based capital ratio36.0394%309
Total risk-based capital ratio36.9028%316
Memoranda:
Average total assets$59,478,3304,701
Average earning assets$57,297,6704,664
Average equity$17,517,3303,416
Average total loans$46,835,3304,320
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7480%2,053
Cost of funding earning assets0.4622%4,233
Net interest margin4.2858%1,119
Noninterest income to average assets0.2245%4,400
Noninterest expense to average assets1.6530%5,058
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.6938%120
Return on assets (ROA)2.6938%131
Pretax return on assets2.7346%173
Return on Equity (ROE)9.1223%2,756
Retained earnings to average equity (ytd only)9.1223%1,277
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.6744%5,243
Assets per employee ($millions)5.4523%2,027
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9151%4,101
Loan loss allowance to noncurrent loans502.3529%1,042
Noncurrent assets plus other real estate owned to assets0.1417%4,095
Noncurrent loans to loans0.1822%3,934
Net loans and leases to total assets77.0888%1,304
Net loans and leases to deposits116.9238%118
Net loans and leases to core deposits130.4203%305
Total domestic deposits to total assets65.9308%5,211
Equity capital to assets29.2822%75
Core capital (leverage) ratio29.9969%72
Tier 1 risk-based capital ratio37.1486%273
Total risk-based capital ratio38.0518%278
Memoranda:
Average total assets$58,802,5004,761
Average earning assets$57,119,0004,717
Average equity$17,364,0003,442
Average total loans$46,034,5004,387
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2752%3,193
Cost of funding earning assets0.3680%4,176
Net interest margin3.9073%2,304
Noninterest income to average assets0.3429%3,821
Noninterest expense to average assets2.2316%4,267
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.4529%1,264
Return on assets (ROA)1.4529%1,254
Pretax return on assets1.8936%729
Return on Equity (ROE)5.2022%4,411
Retained earnings to average equity (ytd only)5.2022%2,662
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0964%4,611
Assets per employee ($millions)5.7630%1,707
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.9404%3,994
Loan loss allowance to noncurrent loans479.7753%1,126
Noncurrent assets plus other real estate owned to assets0.1544%4,052
Noncurrent loans to loans0.1960%3,877
Net loans and leases to total assets78.0514%1,264
Net loans and leases to deposits112.3823%196
Net loans and leases to core deposits126.5253%387
Total domestic deposits to total assets69.4517%5,171
Equity capital to assets29.7866%69
Core capital (leverage) ratio29.7056%73
Tier 1 risk-based capital ratio37.2842%271
Total risk-based capital ratio38.2116%277
Memoranda:
Average total assets$60,361,6004,757
Average earning assets$58,429,4004,701
Average equity$16,858,4003,413
Average total loans$43,853,8004,454
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2389%3,178
Cost of funding earning assets0.3393%4,250
Net interest margin3.8996%2,304
Noninterest income to average assets0.2424%4,529
Noninterest expense to average assets1.5289%5,257
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.9788%405
Return on assets (ROA)1.9788%399
Pretax return on assets2.4790%240
Return on Equity (ROE)7.1982%3,861
Retained earnings to average equity (ytd only)7.1982%2,028
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.1471%5,367
Assets per employee ($millions)5.9568%1,520
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9511%4,044
Loan loss allowance to noncurrent loans418.6275%1,267
Noncurrent assets plus other real estate owned to assets0.1712%4,096
Noncurrent loans to loans0.2272%3,893
Net loans and leases to total assets74.6508%1,880
Net loans and leases to deposits110.0040%287
Net loans and leases to core deposits123.8421%466
Total domestic deposits to total assets67.8619%5,285
Equity capital to assets28.8662%71
Core capital (leverage) ratio28.6154%74
Tier 1 risk-based capital ratio37.3674%265
Total risk-based capital ratio38.2954%269
Memoranda:
Average total assets$61,044,5004,791
Average earning assets$58,944,7504,738
Average equity$16,781,5003,442
Average total loans$43,465,2504,517
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1438%3,301
Cost of funding earning assets0.2921%4,471
Net interest margin3.8516%2,376
Noninterest income to average assets0.3023%4,157
Noninterest expense to average assets1.6380%5,241
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets2.2653%229
Return on assets (ROA)2.2653%222
Pretax return on assets2.3921%276
Return on Equity (ROE)8.3756%3,328
Retained earnings to average equity (ytd only)8.3756%1,462
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.6452%5,384
Assets per employee ($millions)6.1649%1,357
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.9728%3,998
Loan loss allowance to noncurrent loans391.7431%1,347
Noncurrent assets plus other real estate owned to assets0.1768%4,100
Noncurrent loans to loans0.2483%3,811
Net loans and leases to total assets70.5088%2,502
Net loans and leases to deposits101.2556%715
Net loans and leases to core deposits112.0800%879
Total domestic deposits to total assets69.6345%5,287
Equity capital to assets27.5528%84
Core capital (leverage) ratio28.1575%81
Tier 1 risk-based capital ratio35.4880%322
Total risk-based capital ratio36.3802%326
Memoranda:
Average total assets$61,536,6704,844
Average earning assets$59,559,0004,776
Average equity$16,643,6703,479
Average total loans$42,988,6704,567
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1294%3,131
Cost of funding earning assets0.2950%4,389
Net interest margin3.8345%2,281
Noninterest income to average assets0.3448%3,844
Noninterest expense to average assets1.5224%5,373
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets2.3877%175
Return on assets (ROA)2.3877%178
Pretax return on assets2.5439%195
Return on Equity (ROE)8.9118%2,947
Retained earnings to average equity (ytd only)8.9118%1,486
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.4400%5,497
Assets per employee ($millions)6.1604%1,391
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.0305%3,777
Loan loss allowance to noncurrent loans384.6847%1,363
Noncurrent assets plus other real estate owned to assets0.1802%4,185
Noncurrent loans to loans0.2679%3,811
Net loans and leases to total assets66.5720%2,959
Net loans and leases to deposits93.0271%1,329
Net loans and leases to core deposits104.9707%1,313
Total domestic deposits to total assets71.5619%5,312
Equity capital to assets27.0372%84
Core capital (leverage) ratio27.1944%86
Tier 1 risk-based capital ratio36.4679%292
Total risk-based capital ratio37.4028%296
Memoranda:
Average total assets$61,480,5004,898
Average earning assets$59,669,0004,835
Average equity$16,472,5003,533
Average total loans$42,535,5004,625
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0588%3,208
Cost of funding earning assets0.1932%4,998
Net interest margin3.8656%2,203
Noninterest income to average assets0.3131%4,220
Noninterest expense to average assets2.1722%4,593
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.2228%1,447
Return on assets (ROA)1.2228%1,472
Pretax return on assets1.8872%614
Return on Equity (ROE)4.6174%4,313
Retained earnings to average equity (ytd only)4.6174%2,385
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.5102%4,986
Assets per employee ($millions)6.1357%1,425
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9786%4,057
Loan loss allowance to noncurrent loans288.5135%1,707
Noncurrent assets plus other real estate owned to assets0.2412%3,932
Noncurrent loans to loans0.3392%3,545
Net loans and leases to total assets70.4174%2,460
Net loans and leases to deposits98.4259%866
Net loans and leases to core deposits112.3956%877
Total domestic deposits to total assets71.5436%5,345
Equity capital to assets26.5479%85
Core capital (leverage) ratio26.3836%87
Tier 1 risk-based capital ratio34.2566%340
Total risk-based capital ratio35.1546%339
Memoranda:
Average total assets$60,354,8004,958
Average earning assets$58,489,8004,895
Average equity$15,983,0003,596
Average total loans$41,104,6004,696
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0147%3,297
Cost of funding earning assets0.1652%5,225
Net interest margin3.8495%2,227
Noninterest income to average assets0.1797%5,117
Noninterest expense to average assets1.6172%5,442
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.5794%754
Return on assets (ROA)1.5794%767
Pretax return on assets2.2849%302
Return on Equity (ROE)5.9681%4,137
Retained earnings to average equity (ytd only)5.9681%2,257
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.4440%5,544
Assets per employee ($millions)6.1559%1,400
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9782%4,197
Loan loss allowance to noncurrent loans341.6000%1,434
Noncurrent assets plus other real estate owned to assets0.2031%4,276
Noncurrent loans to loans0.2864%3,919
Net loans and leases to total assets70.2156%2,523
Net loans and leases to deposits98.2877%888
Net loans and leases to core deposits111.3332%959
Total domestic deposits to total assets71.4388%5,419
Equity capital to assets26.4186%87
Core capital (leverage) ratio27.0343%80
Tier 1 risk-based capital ratio34.0822%349
Total risk-based capital ratio34.9771%350
Memoranda:
Average total assets$60,104,2505,017
Average earning assets$58,118,5004,958
Average equity$15,906,5003,643
Average total loans$40,472,5004,760
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9113%3,517
Cost of funding earning assets0.1598%5,275
Net interest margin3.7515%2,463
Noninterest income to average assets0.1845%5,128
Noninterest expense to average assets1.6740%5,438
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.6572%620
Return on assets (ROA)1.6572%638
Pretax return on assets2.1335%415
Return on Equity (ROE)6.2580%3,927
Retained earnings to average equity (ytd only)6.2580%1,986
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.9648%5,528
Assets per employee ($millions)5.9927%1,464
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.0147%4,060
Loan loss allowance to noncurrent loans298.6014%1,586
Noncurrent assets plus other real estate owned to assets0.2386%4,189
Noncurrent loans to loans0.3398%3,827
Net loans and leases to total assets69.5062%2,596
Net loans and leases to deposits97.3042%957
Net loans and leases to core deposits101.7540%1,531
Total domestic deposits to total assets71.4319%5,486
Equity capital to assets26.7742%80
Core capital (leverage) ratio26.9709%78
Tier 1 risk-based capital ratio34.8994%311
Total risk-based capital ratio35.8282%311
Memoranda:
Average total assets$59,619,3305,064
Average earning assets$57,577,0005,008
Average equity$15,787,6703,665
Average total loans$39,413,0004,827
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4279%4,878
Cost of funding earning assets0.1599%5,301
Net interest margin3.2679%4,122
Noninterest income to average assets0.1883%5,150
Noninterest expense to average assets1.5538%5,598
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.4529%890
Return on assets (ROA)1.4529%911
Pretax return on assets1.7960%812
Return on Equity (ROE)5.5176%4,137
Retained earnings to average equity (ytd only)5.5176%2,589
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.3855%5,516
Assets per employee ($millions)6.0279%1,492
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1197%3,590
Loan loss allowance to noncurrent loans318.6567%1,540
Noncurrent assets plus other real estate owned to assets0.2223%4,330
Noncurrent loans to loans0.3514%3,839
Net loans and leases to total assets62.5541%3,460
Net loans and leases to deposits85.6335%2,075
Net loans and leases to core deposits89.4294%2,406
Total domestic deposits to total assets73.0487%5,487
Equity capital to assets26.1567%91
Core capital (leverage) ratio26.5679%86
Tier 1 risk-based capital ratio37.4229%265
Total risk-based capital ratio38.4363%267
Memoranda:
Average total assets$59,465,5005,122
Average earning assets$57,528,5005,059
Average equity$15,659,0003,701
Average total loans$38,079,5004,916
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6502%4,369
Cost of funding earning assets0.1811%5,201
Net interest margin3.4691%3,548
Noninterest income to average assets0.3238%4,423
Noninterest expense to average assets2.0820%5,030
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.8985%2,826
Return on assets (ROA)0.8985%2,950
Pretax return on assets1.5607%1,399
Return on Equity (ROE)3.6255%4,968
Retained earnings to average equity (ytd only)3.6255%3,345
Net charge-offs to loans0.0000%4,281
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1556%4,937
Assets per employee ($millions)5.8652%1,569
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.1229%3,590
Loan loss allowance to noncurrent loans208.2927%2,185
Noncurrent assets plus other real estate owned to assets0.3495%3,881
Noncurrent loans to loans0.5391%3,234
Net loans and leases to total assets64.1035%3,348
Net loans and leases to deposits89.0842%1,796
Net loans and leases to core deposits93.2074%2,189
Total domestic deposits to total assets71.9583%5,564
Equity capital to assets26.5140%84
Core capital (leverage) ratio26.1357%89
Tier 1 risk-based capital ratio37.0403%275
Total risk-based capital ratio38.0574%277
Memoranda:
Average total assets$61,767,4005,097
Average earning assets$59,092,8005,044
Average equity$15,308,4003,773
Average total loans$39,320,6004,899
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3598%5,105
Cost of funding earning assets0.1372%5,569
Net interest margin3.2226%4,419
Noninterest income to average assets0.2501%4,969
Noninterest expense to average assets1.3869%5,825
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.2618%1,413
Return on assets (ROA)1.2618%1,512
Pretax return on assets2.0007%568
Return on Equity (ROE)4.9988%4,518
Retained earnings to average equity (ytd only)4.9988%2,827
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.9396%5,808
Assets per employee ($millions)5.9759%1,450
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1069%3,792
Loan loss allowance to noncurrent loans242.6136%1,941
Noncurrent assets plus other real estate owned to assets0.2945%4,242
Noncurrent loans to loans0.4563%3,648
Net loans and leases to total assets63.8364%3,426
Net loans and leases to deposits87.8703%2,034
Net loans and leases to core deposits91.8123%2,403
Total domestic deposits to total assets72.6485%5,550
Equity capital to assets25.8840%92
Core capital (leverage) ratio35.6340%52
Tier 1 risk-based capital ratio36.6592%299
Total risk-based capital ratio38.6832%270
Memoranda:
Average total assets$46,915,5005,460
Average earning assets$45,676,2505,393
Average equity$11,842,7504,310
Average total loans$29,746,2505,245
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5799%4,650
Cost of funding earning assets0.1451%5,581
Net interest margin3.4348%3,741
Noninterest income to average assets0.2064%5,263
Noninterest expense to average assets1.7310%5,665
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.4448%977
Return on assets (ROA)1.4448%1,030
Pretax return on assets1.8061%873
Return on Equity (ROE)5.7926%4,142
Retained earnings to average equity (ytd only)5.7926%2,242
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.9390%5,623
Assets per employee ($millions)7.1073%836
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0722%4,096
Loan loss allowance to noncurrent loans333.3333%1,493
Noncurrent assets plus other real estate owned to assets0.2040%4,672
Noncurrent loans to loans0.3217%4,217
Net loans and leases to total assets62.7474%3,533
Net loans and leases to deposits89.8643%1,771
Net loans and leases to core deposits94.8260%2,079
Total domestic deposits to total assets69.8246%5,790
Equity capital to assets25.2673%96
Core capital (leverage) ratio25.4680%88
Tier 1 risk-based capital ratio35.6788%320
Total risk-based capital ratio36.6391%318
Memoranda:
Average total assets$42,634,3305,614
Average earning assets$41,342,0005,554
Average equity$10,634,3304,545
Average total loans$26,803,3305,410
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5739%4,691
Cost of funding earning assets0.1356%5,712
Net interest margin3.4383%3,723
Noninterest income to average assets0.2533%4,936
Noninterest expense to average assets1.4169%5,953
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.8203%454
Return on assets (ROA)1.8203%485
Pretax return on assets2.1675%404
Return on Equity (ROE)7.3457%3,265
Retained earnings to average equity (ytd only)7.3457%1,733
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.5288%5,976
Assets per employee ($millions)7.2590%793
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1139%3,973
Loan loss allowance to noncurrent loans371.7949%1,337
Noncurrent assets plus other real estate owned to assets0.1791%4,855
Noncurrent loans to loans0.2996%4,354
Net loans and leases to total assets59.1082%3,905
Net loans and leases to deposits84.1500%2,286
Net loans and leases to core deposits87.8905%2,575
Total domestic deposits to total assets70.2415%5,855
Equity capital to assets24.4777%101
Core capital (leverage) ratio25.4384%89
Tier 1 risk-based capital ratio36.4815%299
Total risk-based capital ratio37.4739%300
Memoranda:
Average total assets$42,629,5005,666
Average earning assets$41,299,0005,607
Average equity$10,564,0004,572
Average total loans$26,681,0005,460
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4959%4,933
Cost of funding earning assets0.1499%5,684
Net interest margin3.3461%4,126
Noninterest income to average assets0.4069%3,987
Noninterest expense to average assets2.1369%5,180
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.9661%2,545
Return on assets (ROA)0.9661%2,619
Pretax return on assets1.5111%1,521
Return on Equity (ROE)3.9300%4,978
Retained earnings to average equity (ytd only)3.9300%3,244
Net charge-offs to loans-0.0483%5,539
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5780%5,081
Assets per employee ($millions)6.9508%907
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.0612%4,254
Loan loss allowance to noncurrent loans287.1287%1,716
Noncurrent assets plus other real estate owned to assets0.2422%4,629
Noncurrent loans to loans0.3696%4,123
Net loans and leases to total assets64.8316%3,144
Net loans and leases to deposits97.2240%888
Net loans and leases to core deposits102.9823%1,299
Total domestic deposits to total assets66.6827%6,003
Equity capital to assets25.0977%92
Core capital (leverage) ratio25.8056%80
Tier 1 risk-based capital ratio34.2126%356
Total risk-based capital ratio35.1605%361
Memoranda:
Average total assets$42,023,4005,726
Average earning assets$40,704,4005,657
Average equity$10,330,8004,595
Average total loans$26,933,6005,485
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4567%5,086
Cost of funding earning assets0.1469%5,805
Net interest margin3.3099%4,298
Noninterest income to average assets0.2407%5,206
Noninterest expense to average assets1.4884%6,050
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.5802%809
Return on assets (ROA)1.5802%845
Pretax return on assets1.9634%641
Return on Equity (ROE)6.4615%3,932
Retained earnings to average equity (ytd only)6.4615%1,982
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.1193%6,060
Assets per employee ($millions)7.0335%857
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.9639%4,918
Loan loss allowance to noncurrent loans279.7980%1,705
Noncurrent assets plus other real estate owned to assets0.2346%4,822
Noncurrent loans to loans0.3445%4,381
Net loans and leases to total assets67.4392%2,784
Net loans and leases to deposits105.4074%389
Net loans and leases to core deposits113.1745%701
Total domestic deposits to total assets63.9795%6,129
Equity capital to assets25.0231%95
Core capital (leverage) ratio24.8740%90
Tier 1 risk-based capital ratio33.2389%404
Total risk-based capital ratio34.1108%410
Memoranda:
Average total assets$42,103,0005,798
Average earning assets$40,846,5005,730
Average equity$10,296,7504,652
Average total loans$26,835,0005,547
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4208%5,183
Cost of funding earning assets0.1425%5,904
Net interest margin3.2783%4,382
Noninterest income to average assets0.2187%5,392
Noninterest expense to average assets1.4975%6,112
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.4595%968
Return on assets (ROA)1.4595%1,017
Pretax return on assets1.8921%746
Return on Equity (ROE)6.0143%4,121
Retained earnings to average equity (ytd only)6.0143%2,235
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.1795%6,106
Assets per employee ($millions)7.1647%775
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0370%4,673
Loan loss allowance to noncurrent loans307.7778%1,595
Noncurrent assets plus other real estate owned to assets0.2094%5,029
Noncurrent loans to loans0.3369%4,480
Net loans and leases to total assets61.4939%3,627
Net loans and leases to deposits89.9211%1,607
Net loans and leases to core deposits95.9633%1,808
Total domestic deposits to total assets68.3865%6,101
Equity capital to assets24.1184%107
Core capital (leverage) ratio24.1403%99
Tier 1 risk-based capital ratio34.7721%370
Total risk-based capital ratio35.7011%375
Memoranda:
Average total assets$42,070,3305,860
Average earning assets$40,692,3305,795
Average equity$10,209,0004,697
Average total loans$26,201,0005,627
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3520%5,322
Cost of funding earning assets0.1293%6,069
Net interest margin3.2227%4,515
Noninterest income to average assets0.2115%5,439
Noninterest expense to average assets1.5380%6,153
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.3169%1,222
Return on assets (ROA)1.3169%1,307
Pretax return on assets1.7880%882
Return on Equity (ROE)5.4099%4,329
Retained earnings to average equity (ytd only)5.4099%2,829
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.2428%6,091
Assets per employee ($millions)7.2907%743
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0663%4,678
Loan loss allowance to noncurrent loans304.3956%1,577
Noncurrent assets plus other real estate owned to assets0.2080%5,121
Noncurrent loans to loans0.3503%4,544
Net loans and leases to total assets58.7509%3,838
Net loans and leases to deposits84.1712%2,048
Net loans and leases to core deposits89.5939%2,169
Total domestic deposits to total assets69.7993%6,139
Equity capital to assets23.3129%120
Core capital (leverage) ratio24.7976%93
Tier 1 risk-based capital ratio35.1740%355
Total risk-based capital ratio36.1294%363
Memoranda:
Average total assets$41,611,5005,926
Average earning assets$40,214,5005,859
Average equity$10,129,5004,754
Average total loans$25,945,5005,681
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5010%5,314
Cost of funding earning assets0.1678%5,995
Net interest margin3.3331%4,466
Noninterest income to average assets0.4717%3,698
Noninterest expense to average assets2.5547%4,379
Loan and lease loss provision to assets0.0521%3,511
Net operating income to assets0.7026%3,879
Return on assets (ROA)0.7026%3,994
Pretax return on assets1.0701%3,208
Return on Equity (ROE)2.8152%5,537
Retained earnings to average equity (ytd only)2.8152%4,238
Net charge-offs to loans0.0825%3,320
Credit loss provision to net charge-offs100.0000%2,387
Earnings coverage of net charge-offs (x)21.5238%1,674
Efficiency ratio69.4801%3,631
Assets per employee ($millions)6.5798%1,015
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.0689%4,702
Loan loss allowance to noncurrent loans291.5789%1,669
Noncurrent assets plus other real estate owned to assets0.2406%5,058
Noncurrent loans to loans0.3666%4,553
Net loans and leases to total assets64.9383%3,058
Net loans and leases to deposits96.6522%858
Net loans and leases to core deposits102.6383%1,198
Total domestic deposits to total assets67.1876%6,293
Equity capital to assets25.4844%92
Core capital (leverage) ratio25.2250%87
Tier 1 risk-based capital ratio34.6859%350
Total risk-based capital ratio35.6409%353
Memoranda:
Average total assets$40,278,4006,031
Average earning assets$38,732,2005,960
Average equity$10,052,6004,742
Average total loans$25,442,6005,764
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4783%5,441
Cost of funding earning assets0.1614%6,115
Net interest margin3.3169%4,548
Noninterest income to average assets0.2833%5,177
Noninterest expense to average assets1.5415%6,329
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.7194%593
Return on assets (ROA)1.7194%618
Pretax return on assets1.9236%680
Return on Equity (ROE)6.9248%3,740
Retained earnings to average equity (ytd only)6.9248%1,856
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.4867%6,348
Assets per employee ($millions)6.6140%959
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0710%4,872
Loan loss allowance to noncurrent loans188.4354%2,253
Noncurrent assets plus other real estate owned to assets0.3704%4,813
Noncurrent loans to loans0.5684%4,219
Net loans and leases to total assets64.4769%3,117
Net loans and leases to deposits97.8657%744
Net loans and leases to core deposits104.0122%1,104
Total domestic deposits to total assets65.8830%6,407
Equity capital to assets25.9550%87
Core capital (leverage) ratio25.7346%81
Tier 1 risk-based capital ratio35.5847%340
Total risk-based capital ratio36.5417%342
Memoranda:
Average total assets$40,478,2506,100
Average earning assets$38,830,5006,029
Average equity$10,050,5004,771
Average total loans$25,324,7505,829
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4708%5,473
Cost of funding earning assets0.1589%6,204
Net interest margin3.3119%4,539
Noninterest income to average assets0.2994%5,012
Noninterest expense to average assets1.6101%6,348
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.7819%504
Return on assets (ROA)1.7819%526
Pretax return on assets1.8604%740
Return on Equity (ROE)7.2838%3,476
Retained earnings to average equity (ytd only)7.2838%1,624
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.3932%6,344
Assets per employee ($millions)6.7902%880
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1171%4,827
Loan loss allowance to noncurrent loans197.8571%2,158
Noncurrent assets plus other real estate owned to assets0.3436%5,007
Noncurrent loans to loans0.5646%4,324
Net loans and leases to total assets60.1851%3,682
Net loans and leases to deposits88.1792%1,574
Net loans and leases to core deposits93.3597%1,833
Total domestic deposits to total assets68.2531%6,415
Equity capital to assets24.8914%92
Core capital (leverage) ratio24.6674%89
Tier 1 risk-based capital ratio36.2399%316
Total risk-based capital ratio37.2297%316
Memoranda:
Average total assets$40,743,0006,149
Average earning assets$39,011,0006,075
Average equity$9,967,3304,811
Average total loans$25,145,0005,875
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4479%5,540
Cost of funding earning assets0.1637%6,279
Net interest margin3.2842%4,609
Noninterest income to average assets0.2356%5,475
Noninterest expense to average assets1.5217%6,481
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets2.0126%336
Return on assets (ROA)2.0126%347
Pretax return on assets1.8653%703
Return on Equity (ROE)8.2992%2,800
Retained earnings to average equity (ytd only)8.2992%1,499
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.9275%6,461
Assets per employee ($millions)6.9162%830
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1260%5,006
Loan loss allowance to noncurrent loans168.9024%2,409
Noncurrent assets plus other real estate owned to assets0.3952%4,957
Noncurrent loans to loans0.6667%4,195
Net loans and leases to total assets58.6139%3,749
Net loans and leases to deposits84.3348%1,788
Net loans and leases to core deposits89.0952%1,994
Total domestic deposits to total assets69.5014%6,465
Equity capital to assets24.0572%109
Core capital (leverage) ratio24.3333%100
Tier 1 risk-based capital ratio35.9527%321
Total risk-based capital ratio36.9503%321
Memoranda:
Average total assets$40,744,0006,212
Average earning assets$39,096,5006,127
Average equity$9,880,5004,847
Average total loans$25,319,0005,921
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6367%5,314
Cost of funding earning assets0.1904%6,334
Net interest margin3.4463%4,109
Noninterest income to average assets0.4808%3,880
Noninterest expense to average assets2.2620%5,474
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.8321%3,124
Return on assets (ROA)0.8321%3,211
Pretax return on assets1.3303%2,042
Return on Equity (ROE)3.4506%5,346
Retained earnings to average equity (ytd only)3.4506%3,778
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9681%5,063
Assets per employee ($millions)6.6652%913
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.0638%5,299
Loan loss allowance to noncurrent loans163.9053%2,476
Noncurrent assets plus other real estate owned to assets0.4226%4,987
Noncurrent loans to loans0.6491%4,349
Net loans and leases to total assets64.4170%2,967
Net loans and leases to deposits96.7804%684
Net loans and leases to core deposits102.7194%990
Total domestic deposits to total assets66.5600%6,621
Equity capital to assets24.4505%104
Core capital (leverage) ratio24.5963%94
Tier 1 risk-based capital ratio33.4909%381
Total risk-based capital ratio34.4396%384
Memoranda:
Average total assets$40,141,8006,284
Average earning assets$36,241,8006,280
Average equity$9,679,4004,926
Average total loans$23,826,8006,040
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6029%5,434
Cost of funding earning assets0.1945%6,421
Net interest margin3.4084%4,251
Noninterest income to average assets0.2555%5,611
Noninterest expense to average assets1.4203%6,681
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.3639%1,191
Return on assets (ROA)1.3639%1,240
Pretax return on assets1.8583%780
Return on Equity (ROE)5.6759%4,362
Retained earnings to average equity (ytd only)5.6759%2,617
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.3198%6,675
Assets per employee ($millions)6.8072%813
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0414%5,548
Loan loss allowance to noncurrent loans149.7297%2,546
Noncurrent assets plus other real estate owned to assets0.4530%5,070
Noncurrent loans to loans0.6955%4,463
Net loans and leases to total assets64.4468%2,928
Net loans and leases to deposits97.9023%578
Net loans and leases to core deposits103.8343%886
Total domestic deposits to total assets65.8277%6,710
Equity capital to assets24.1290%103
Core capital (leverage) ratio24.2537%95
Tier 1 risk-based capital ratio33.1751%393
Total risk-based capital ratio34.1076%400
Memoranda:
Average total assets$40,179,5006,354
Average earning assets$35,637,0006,365
Average equity$9,654,7504,987
Average total loans$23,274,0006,130
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5624%5,554
Cost of funding earning assets0.1979%6,484
Net interest margin3.3645%4,327
Noninterest income to average assets0.2453%5,699
Noninterest expense to average assets1.4715%6,696
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.3965%1,086
Return on assets (ROA)1.3965%1,169
Pretax return on assets1.6667%1,193
Return on Equity (ROE)5.8198%4,275
Retained earnings to average equity (ytd only)5.8198%2,543
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.8900%6,593
Assets per employee ($millions)6.7675%806
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.1700%5,148
Loan loss allowance to noncurrent loans129.4393%2,839
Noncurrent assets plus other real estate owned to assets0.5270%4,947
Noncurrent loans to loans0.9039%4,120
Net loans and leases to total assets57.6234%4,043
Net loans and leases to deposits80.4304%2,265
Net loans and leases to core deposits84.9076%2,441
Total domestic deposits to total assets71.6439%6,580
Equity capital to assets23.9453%101
Core capital (leverage) ratio23.9536%93
Tier 1 risk-based capital ratio36.2609%296
Total risk-based capital ratio37.2940%297
Memoranda:
Average total assets$39,958,3306,400
Average earning assets$34,359,0006,453
Average equity$9,588,0005,038
Average total loans$22,165,6706,214
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6790%5,233
Cost of funding earning assets0.2230%6,460
Net interest margin3.4561%3,873
Noninterest income to average assets0.2422%5,722
Noninterest expense to average assets1.3523%6,847
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.5441%777
Return on assets (ROA)1.5441%854
Pretax return on assets1.7056%1,061
Return on Equity (ROE)6.4282%3,804
Retained earnings to average equity (ytd only)6.4282%2,442
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.2244%6,765
Assets per employee ($millions)6.8745%824
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3165%4,610
Loan loss allowance to noncurrent loans129.4393%2,698
Noncurrent assets plus other real estate owned to assets0.5188%5,088
Noncurrent loans to loans1.0171%4,099
Net loans and leases to total assets50.3382%4,937
Net loans and leases to deposits71.5497%3,244
Net loans and leases to core deposits75.5375%3,379
Total domestic deposits to total assets70.3542%6,744
Equity capital to assets23.2671%117
Core capital (leverage) ratio23.0775%111
Tier 1 risk-based capital ratio39.8348%238
Total risk-based capital ratio40.9846%235
Memoranda:
Average total assets$39,635,0006,475
Average earning assets$32,291,0006,573
Average equity$9,520,5005,105
Average total loans$21,411,0006,293
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0635%5,090
Cost of funding earning assets0.3172%6,375
Net interest margin3.7464%3,459
Noninterest income to average assets0.5622%3,500
Noninterest expense to average assets2.4032%5,399
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.9032%2,801
Return on assets (ROA)0.9032%3,038
Pretax return on assets1.3375%2,266
Return on Equity (ROE)3.5026%5,348
Retained earnings to average equity (ytd only)-0.6303%5,955
Net charge-offs to loans0.0000%5,985
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2450%4,840
Assets per employee ($millions)6.3372%1,075
Cash dividends to net income (ytd only)*117.9941%333
Condition Ratios (%)
Loss allowance to loans1.2717%4,772
Loan loss allowance to noncurrent loans105.3232%3,204
Noncurrent assets plus other real estate owned to assets0.6917%4,759
Noncurrent loans to loans1.2074%3,839
Net loans and leases to total assets56.5579%4,191
Net loans and leases to deposits81.2368%2,119
Net loans and leases to core deposits86.2166%2,291
Total domestic deposits to total assets69.6210%6,800
Equity capital to assets24.8376%99
Core capital (leverage) ratio25.7934%87
Tier 1 risk-based capital ratio38.7017%254
Total risk-based capital ratio39.8369%254
Memoranda:
Average total assets$37,533,6006,569
Average earning assets$31,844,2006,613
Average equity$9,678,6005,059
Average total loans$23,090,0006,289
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0050%5,504
Cost of funding earning assets0.2882%6,666
Net interest margin3.7168%3,722
Noninterest income to average assets0.3172%5,246
Noninterest expense to average assets1.5503%6,913
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.5004%1,020
Return on assets (ROA)1.5004%1,131
Pretax return on assets1.9388%797
Return on Equity (ROE)5.7647%4,455
Retained earnings to average equity (ytd only)5.7647%2,856
Net charge-offs to loans0.0000%5,771
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.4331%6,885
Assets per employee ($millions)5.9703%1,267
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1474%5,532
Loan loss allowance to noncurrent loans106.9498%3,049
Noncurrent assets plus other real estate owned to assets0.7230%4,880
Noncurrent loans to loans1.0729%4,295
Net loans and leases to total assets66.6183%2,536
Net loans and leases to deposits103.6484%292
Net loans and leases to core deposits109.7296%582
Total domestic deposits to total assets64.2734%7,012
Equity capital to assets27.7092%77
Core capital (leverage) ratio27.4169%72
Tier 1 risk-based capital ratio37.3945%307
Total risk-based capital ratio38.4381%303
Memoranda:
Average total assets$37,411,2506,655
Average earning assets$31,926,0006,692
Average equity$9,737,2505,094
Average total loans$23,417,0006,360
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0954%5,330
Cost of funding earning assets0.3052%6,721
Net interest margin3.7902%3,407
Noninterest income to average assets0.3163%5,291
Noninterest expense to average assets1.5972%6,927
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.6499%752
Return on assets (ROA)1.6499%840
Pretax return on assets1.8608%920
Return on Equity (ROE)6.4707%4,061
Retained earnings to average equity (ytd only)6.4707%2,397
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.1890%6,879
Assets per employee ($millions)6.2318%1,103
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1827%5,429
Loan loss allowance to noncurrent loans102.9740%3,126
Noncurrent assets plus other real estate owned to assets0.7194%4,999
Noncurrent loans to loans1.1486%4,233
Net loans and leases to total assets61.8946%3,463
Net loans and leases to deposits96.7679%583
Net loans and leases to core deposits102.2082%969
Total domestic deposits to total assets63.9619%7,082
Equity capital to assets26.2577%90
Core capital (leverage) ratio25.9344%90
Tier 1 risk-based capital ratio38.1697%273
Total risk-based capital ratio39.2466%269
Memoranda:
Average total assets$37,941,0006,684
Average earning assets$31,449,6706,756
Average equity$9,674,3305,118
Average total loans$23,175,6706,409
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1509%5,275
Cost of funding earning assets0.3352%6,704
Net interest margin3.8157%3,313
Noninterest income to average assets0.3140%5,363
Noninterest expense to average assets1.5177%7,045
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets2.0410%389
Return on assets (ROA)2.0410%449
Pretax return on assets1.8945%888
Return on Equity (ROE)8.1229%3,234
Retained earnings to average equity (ytd only)8.1229%1,939
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.4785%6,968
Assets per employee ($millions)6.4355%1,018
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2569%5,214
Loan loss allowance to noncurrent loans96.1806%3,157
Noncurrent assets plus other real estate owned to assets0.7459%5,057
Noncurrent loans to loans1.3068%4,159
Net loans and leases to total assets56.3567%4,320
Net loans and leases to deposits86.2915%1,384
Net loans and leases to core deposits89.9289%1,855
Total domestic deposits to total assets65.3096%7,121
Equity capital to assets25.1211%98
Core capital (leverage) ratio25.5122%91
Tier 1 risk-based capital ratio39.9868%227
Total risk-based capital ratio41.1287%228
Memoranda:
Average total assets$38,216,0006,729
Average earning assets$31,029,5006,819
Average equity$9,602,5005,146
Average total loans$23,053,5006,461
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5555%4,856
Cost of funding earning assets0.4109%6,862
Net interest margin4.1446%2,247
Noninterest income to average assets0.6111%3,106
Noninterest expense to average assets2.5854%5,150
Loan and lease loss provision to assets0.0109%6,399
Net operating income to assets0.9532%2,399
Return on assets (ROA)0.9532%2,526
Pretax return on assets1.4937%1,491
Return on Equity (ROE)3.7244%4,984
Retained earnings to average equity (ytd only)3.7244%3,560
Net charge-offs to loans0.0169%6,203
Credit loss provision to net charge-offs100.0000%3,501
Earnings coverage of net charge-offs (x)138.5000%245
Efficiency ratio63.2138%5,258
Assets per employee ($millions)6.3032%1,052
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.1509%5,622
Loan loss allowance to noncurrent loans68.7345%4,110
Noncurrent assets plus other real estate owned to assets1.0656%4,485
Noncurrent loans to loans1.6744%3,654
Net loans and leases to total assets62.9102%3,429
Net loans and leases to deposits98.2491%545
Net loans and leases to core deposits102.3796%999
Total domestic deposits to total assets64.0313%7,176
Equity capital to assets25.1329%102
Core capital (leverage) ratio25.7966%96
Tier 1 risk-based capital ratio36.2081%304
Total risk-based capital ratio37.2633%303
Memoranda:
Average total assets$36,821,8006,770
Average earning assets$30,908,0006,840
Average equity$9,424,4005,172
Average total loans$23,717,0006,479
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5440%5,102
Cost of funding earning assets0.4159%6,976
Net interest margin4.1282%2,361
Noninterest income to average assets0.3463%5,090
Noninterest expense to average assets1.6004%7,169
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.7718%545
Return on assets (ROA)1.7718%600
Pretax return on assets2.2202%409
Return on Equity (ROE)6.8903%3,576
Retained earnings to average equity (ytd only)6.8903%2,032
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.8893%7,213
Assets per employee ($millions)6.1123%1,144
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.0884%5,934
Loan loss allowance to noncurrent loans64.4186%4,236
Noncurrent assets plus other real estate owned to assets1.1725%4,438
Noncurrent loans to loans1.6896%3,771
Net loans and leases to total assets68.6399%2,343
Net loans and leases to deposits113.6889%138
Net loans and leases to core deposits118.9257%419
Total domestic deposits to total assets60.3752%7,295
Equity capital to assets26.2857%105
Core capital (leverage) ratio26.3554%100
Tier 1 risk-based capital ratio35.1171%351
Total risk-based capital ratio36.1262%353
Memoranda:
Average total assets$36,572,5006,841
Average earning assets$30,779,5006,912
Average equity$9,404,2505,205
Average total loans$23,629,0006,552
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7022%4,527
Cost of funding earning assets0.4245%7,077
Net interest margin4.2778%1,742
Noninterest income to average assets0.3394%5,169
Noninterest expense to average assets1.6421%7,229
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.8665%434
Return on assets (ROA)1.8665%462
Pretax return on assets2.2278%392
Return on Equity (ROE)7.3131%3,292
Retained earnings to average equity (ytd only)7.3131%1,734
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.4328%7,288
Assets per employee ($millions)6.1818%1,076
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1888%5,593
Loan loss allowance to noncurrent loans80.5233%3,501
Noncurrent assets plus other real estate owned to assets0.9274%5,008
Noncurrent loans to loans1.4763%4,210
Net loans and leases to total assets62.0744%3,873
Net loans and leases to deposits98.3511%580
Net loans and leases to core deposits102.6071%1,141
Total domestic deposits to total assets63.1150%7,328
Equity capital to assets25.5992%118
Core capital (leverage) ratio25.6393%113
Tier 1 risk-based capital ratio37.3981%294
Total risk-based capital ratio38.4891%290
Memoranda:
Average total assets$36,538,6706,903
Average earning assets$30,156,0006,993
Average equity$9,325,6705,228
Average total loans$23,022,0006,639
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4878%5,379
Cost of funding earning assets0.4287%7,164
Net interest margin4.0591%2,438
Noninterest income to average assets0.3530%5,075
Noninterest expense to average assets1.6105%7,300
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.9193%391
Return on assets (ROA)1.9193%413
Pretax return on assets2.0848%487
Return on Equity (ROE)7.5317%3,136
Retained earnings to average equity (ytd only)7.5317%1,924
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.5821%7,295
Assets per employee ($millions)6.1723%1,092
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2251%5,505
Loan loss allowance to noncurrent loans73.8667%3,755
Noncurrent assets plus other real estate owned to assets1.0126%4,880
Noncurrent loans to loans1.6585%3,992
Net loans and leases to total assets60.3067%4,208
Net loans and leases to deposits93.1476%905
Net loans and leases to core deposits95.5956%1,703
Total domestic deposits to total assets64.7432%7,357
Equity capital to assets25.1877%114
Core capital (leverage) ratio27.8872%87
Tier 1 risk-based capital ratio37.8203%276
Total risk-based capital ratio38.9434%274
Memoranda:
Average total assets$36,262,5006,960
Average earning assets$29,858,5007,054
Average equity$9,241,0005,251
Average total loans$22,882,5006,699
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8011%5,405
Cost of funding earning assets0.7577%6,708
Net interest margin4.0434%2,830
Noninterest income to average assets0.6624%3,067
Noninterest expense to average assets2.7697%4,709
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.0375%1,918
Return on assets (ROA)1.0375%2,023
Pretax return on assets1.5680%1,208
Return on Equity (ROE)3.9075%4,569
Retained earnings to average equity (ytd only)3.9075%3,127
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8514%5,378
Assets per employee ($millions)5.9152%1,267
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.1963%5,533
Loan loss allowance to noncurrent loans71.5762%3,866
Noncurrent assets plus other real estate owned to assets1.0904%4,832
Noncurrent loans to loans1.6714%3,992
Net loans and leases to total assets64.4586%3,767
Net loans and leases to deposits100.6733%540
Net loans and leases to core deposits102.3030%1,429
Total domestic deposits to total assets64.0275%7,443
Equity capital to assets25.7925%116
Core capital (leverage) ratio26.0731%113
Tier 1 risk-based capital ratio36.5415%307
Total risk-based capital ratio37.6472%302
Memoranda:
Average total assets$34,119,8007,073
Average earning assets$31,013,6007,051
Average equity$9,059,4005,402
Average total loans$23,323,6006,760
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7964%5,670
Cost of funding earning assets0.7831%6,814
Net interest margin4.0133%3,038
Noninterest income to average assets0.3631%5,251
Noninterest expense to average assets1.7645%7,374
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.7803%534
Return on assets (ROA)1.7803%579
Pretax return on assets2.3210%322
Return on Equity (ROE)6.6549%3,509
Retained earnings to average equity (ytd only)6.6549%2,013
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio43.1884%7,491
Assets per employee ($millions)5.8397%1,362
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0969%5,959
Loan loss allowance to noncurrent loans74.0642%3,617
Noncurrent assets plus other real estate owned to assets1.0674%4,980
Noncurrent loans to loans1.4810%4,413
Net loans and leases to total assets71.2855%2,408
Net loans and leases to deposits118.1113%134
Net loans and leases to core deposits120.1453%604
Total domestic deposits to total assets60.3545%7,589
Equity capital to assets26.4028%120
Core capital (leverage) ratio26.8901%106
Tier 1 risk-based capital ratio34.0235%378
Total risk-based capital ratio35.0423%377
Memoranda:
Average total assets$33,777,0007,170
Average earning assets$31,328,0007,125
Average equity$9,035,7505,488
Average total loans$23,366,0006,846
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8202%5,722
Cost of funding earning assets0.7884%6,951
Net interest margin4.0318%2,866
Noninterest income to average assets0.3298%5,519
Noninterest expense to average assets1.8167%7,372
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.9786%344
Return on assets (ROA)1.9786%378
Pretax return on assets2.2844%351
Return on Equity (ROE)7.3628%3,159
Retained earnings to average equity (ytd only)7.3628%1,687
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio44.2982%7,512
Assets per employee ($millions)5.6763%1,459
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1497%5,690
Loan loss allowance to noncurrent loans51.0129%4,900
Noncurrent assets plus other real estate owned to assets1.5943%4,056
Noncurrent loans to loans2.2538%3,423
Net loans and leases to total assets69.9278%2,918
Net loans and leases to deposits112.1597%231
Net loans and leases to core deposits116.0002%844
Total domestic deposits to total assets62.3466%7,621
Equity capital to assets26.8072%113
Core capital (leverage) ratio27.1226%103
Tier 1 risk-based capital ratio35.3123%342
Total risk-based capital ratio36.3837%337
Memoranda:
Average total assets$33,356,6707,242
Average earning assets$31,202,0007,184
Average equity$8,964,0005,515
Average total loans$22,736,6706,922
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0663%4,696
Cost of funding earning assets0.8531%6,932
Net interest margin4.2132%1,986
Noninterest income to average assets0.3757%5,133
Noninterest expense to average assets1.7209%7,557
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.9512%380
Return on assets (ROA)1.9512%411
Pretax return on assets2.5450%240
Return on Equity (ROE)7.2514%3,221
Retained earnings to average equity (ytd only)7.2514%2,029
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio40.3409%7,726
Assets per employee ($millions)5.7623%1,438
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.1841%5,576
Loan loss allowance to noncurrent loans50.1812%4,979
Noncurrent assets plus other real estate owned to assets1.5966%4,099
Noncurrent loans to loans2.3596%3,317
Net loans and leases to total assets66.8624%3,665
Net loans and leases to deposits104.3374%508
Net loans and leases to core deposits107.7414%1,436
Total domestic deposits to total assets64.0828%7,677
Equity capital to assets25.9212%132
Core capital (leverage) ratio25.9565%122
Tier 1 risk-based capital ratio34.3806%374
Total risk-based capital ratio35.4433%371
Memoranda:
Average total assets$33,006,0007,346
Average earning assets$30,476,0007,300
Average equity$8,881,0005,572
Average total loans$22,058,5007,047
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6916%3,144
Cost of funding earning assets1.1681%6,772
Net interest margin4.5236%1,124
Noninterest income to average assets0.7827%2,491
Noninterest expense to average assets3.0474%3,957
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.2812%1,071
Return on assets (ROA)1.2812%1,126
Pretax return on assets1.9067%499
Return on Equity (ROE)4.3992%3,926
Retained earnings to average equity (ytd only)4.3992%2,169
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5125%6,235
Assets per employee ($millions)5.2397%1,903
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.3367%4,556
Loan loss allowance to noncurrent loans51.3915%4,942
Noncurrent assets plus other real estate owned to assets1.7145%3,796
Noncurrent loans to loans2.6010%2,956
Net loans and leases to total assets65.0359%4,367
Net loans and leases to deposits91.4605%1,974
Net loans and leases to core deposits115.4293%2,375
Total domestic deposits to total assets71.1082%7,329
Equity capital to assets27.9916%119
Core capital (leverage) ratio30.3731%99
Tier 1 risk-based capital ratio37.9294%287
Total risk-based capital ratio39.1190%280
Memoranda:
Average total assets$29,894,8007,472
Average earning assets$27,566,8007,442
Average equity$8,706,2005,699
Average total loans$20,883,6007,146
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8386%2,708
Cost of funding earning assets1.2508%6,723
Net interest margin4.5879%1,005
Noninterest income to average assets0.4518%4,891
Noninterest expense to average assets1.9474%7,470
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets2.2636%161
Return on assets (ROA)2.2636%176
Pretax return on assets2.7471%139
Return on Equity (ROE)7.6932%2,771
Retained earnings to average equity (ytd only)7.6932%1,234
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.4822%7,896
Assets per employee ($millions)4.8793%2,293
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2197%5,006
Loan loss allowance to noncurrent loans50.0904%4,978
Noncurrent assets plus other real estate owned to assets1.8889%3,526
Noncurrent loans to loans2.4349%3,093
Net loans and leases to total assets76.6293%1,867
Net loans and leases to deposits111.8847%395
Net loans and leases to core deposits144.6422%739
Total domestic deposits to total assets68.4895%7,534
Equity capital to assets30.4618%112
Core capital (leverage) ratio30.4972%121
Tier 1 risk-based capital ratio36.7102%339
Total risk-based capital ratio37.8504%332
Memoranda:
Average total assets$29,509,0007,556
Average earning assets$27,288,7507,521
Average equity$8,682,7505,756
Average total loans$20,923,7507,205
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8005%3,040
Cost of funding earning assets1.2800%6,870
Net interest margin4.5206%1,120
Noninterest income to average assets0.4664%4,736
Noninterest expense to average assets1.9198%7,601
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets2.4944%110
Return on assets (ROA)2.4944%124
Pretax return on assets2.6769%158
Return on Equity (ROE)8.5771%2,530
Retained earnings to average equity (ytd only)8.5771%1,049
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio41.7647%7,981
Assets per employee ($millions)4.8933%2,204
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2901%4,323
Loan loss allowance to noncurrent loans50.7326%4,980
Noncurrent assets plus other real estate owned to assets1.8597%3,391
Noncurrent loans to loans2.5430%2,845
Net loans and leases to total assets72.1866%3,165
Net loans and leases to deposits104.0860%908
Net loans and leases to core deposits134.7362%1,275
Total domestic deposits to total assets69.3529%7,523
Equity capital to assets29.9251%137
Core capital (leverage) ratio30.1562%143
Tier 1 risk-based capital ratio37.8479%352
Total risk-based capital ratio39.0411%346
Memoranda:
Average total assets$29,586,6707,620
Average earning assets$27,032,0007,596
Average equity$8,604,3305,811
Average total loans$20,328,0007,305
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3555%5,634
Cost of funding earning assets0.9737%7,714
Net interest margin4.3817%1,389
Noninterest income to average assets0.5253%4,095
Noninterest expense to average assets1.8047%7,693
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets2.5993%111
Return on assets (ROA)2.5993%136
Pretax return on assets2.7205%170
Return on Equity (ROE)9.0680%2,684
Retained earnings to average equity (ytd only)9.0680%1,457
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio39.8810%8,052
Assets per employee ($millions)4.9042%2,170
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4379%3,305
Loan loss allowance to noncurrent loans73.6702%3,935
Noncurrent assets plus other real estate owned to assets1.2778%4,121
Noncurrent loans to loans1.9518%3,338
Net loans and leases to total assets64.5268%4,895
Net loans and leases to deposits92.1699%2,563
Net loans and leases to core deposits117.3123%2,658
Total domestic deposits to total assets70.0085%7,424
Equity capital to assets29.2608%150
Core capital (leverage) ratio29.0810%163
Tier 1 risk-based capital ratio40.1118%323
Total risk-based capital ratio41.3604%315
Memoranda:
Average total assets$29,700,0007,656
Average earning assets$27,112,5007,637
Average equity$8,513,5005,874
Average total loans$19,756,5007,382
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3693%3,581
Cost of funding earning assets1.8150%6,964
Net interest margin4.5543%1,302
Noninterest income to average assets0.7169%3,010
Noninterest expense to average assets2.9889%4,118
Loan and lease loss provision to assets0.9524%1,548
Net operating income to assets0.6788%3,990
Return on assets (ROA)0.6788%3,826
Pretax return on assets1.0252%3,288
Return on Equity (ROE)2.2960%5,500
Retained earnings to average equity (ytd only)-0.0469%5,274
Net charge-offs to loans1.3447%873
Credit loss provision to net charge-offs104.1667%5,130
Earnings coverage of net charge-offs (x)2.1629%4,992
Efficiency ratio60.1813%6,302
Assets per employee ($millions)4.9958%1,947
Cash dividends to net income (ytd only)*102.0408%936
Condition Ratios (%)
Loss allowance to loans1.3680%3,370
Loan loss allowance to noncurrent loans73.2804%4,408
Noncurrent assets plus other real estate owned to assets1.2611%3,702
Noncurrent loans to loans1.8668%2,959
Net loans and leases to total assets66.6289%4,724
Net loans and leases to deposits93.7741%2,807
Net loans and leases to core deposits119.2785%2,764
Total domestic deposits to total assets71.0525%7,153
Equity capital to assets28.0801%196
Core capital (leverage) ratio28.6604%202
Tier 1 risk-based capital ratio37.4222%385
Total risk-based capital ratio38.6537%378
Memoranda:
Average total assets$28,873,8007,688
Average earning assets$26,941,8007,664
Average equity$8,536,6005,895
Average total loans$19,632,0007,352