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Citibank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9773%3,317
Cost of funding earning assets0.2923%1,729
Net interest margin2.6851%3,437
Noninterest income to average assets1.1145%547
Noninterest expense to average assets2.1074%3,119
Loan and lease loss provision to assets0.2119%334
Net operating income to assets0.8570%2,463
Return on assets (ROA)0.8526%2,467
Pretax return on assets1.1733%1,906
Return on Equity (ROE)8.7520%2,413
Retained earnings to average equity (ytd only)8.7520%1,347
Net charge-offs to loans0.4530%151
Credit loss provision to net charge-offs38.4203%1,234
Earnings coverage of net charge-offs (x)7.8755%1,528
Efficiency ratio58.8748%3,596
Assets per employee ($millions)9.4053%791
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans2.1032%515
Loan loss allowance to noncurrent loans256.3626%2,291
Noncurrent assets plus other real estate owned to assets0.3179%1,848
Noncurrent loans to loans0.8204%1,155
Net loans and leases to total assets37.7717%4,124
Net loans and leases to deposits47.2502%3,913
Net loans and leases to core deposits94.5435%709
Total domestic deposits to total assets43.5096%4,758
Equity capital to assets9.5561%2,237
Core capital (leverage) ratio8.8092%3,552
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6623%1,592
Memoranda:
Average total assets$1,693,617,500,0004
Average earning assets$1,502,683,000,0004
Average equity$164,990,000,0004
Average total loans$659,664,000,0004
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8158%4,183
Cost of funding earning assets0.2515%2,916
Net interest margin2.5643%4,102
Noninterest income to average assets0.8884%1,237
Noninterest expense to average assets1.9885%3,709
Loan and lease loss provision to assets-0.2164%4,721
Net operating income to assets1.0850%2,353
Return on assets (ROA)1.0975%2,367
Pretax return on assets1.4145%2,003
Return on Equity (ROE)11.2219%2,091
Retained earnings to average equity (ytd only)7.4181%1,755
Net charge-offs to loans0.6058%131
Credit loss provision to net charge-offs-72.2194%3,301
Earnings coverage of net charge-offs (x)5.0196%2,469
Efficiency ratio62.0861%2,854
Assets per employee ($millions)9.3419%832
Cash dividends to net income (ytd only)*33.8961%2,340
Condition Ratios (%)
Loss allowance to loans2.2691%405
Loan loss allowance to noncurrent loans300.5650%2,048
Noncurrent assets plus other real estate owned to assets0.2983%2,048
Noncurrent loans to loans0.7550%1,344
Net loans and leases to total assets38.4352%4,162
Net loans and leases to deposits48.0604%3,992
Net loans and leases to core deposits95.2776%720
Total domestic deposits to total assets44.0698%4,800
Equity capital to assets9.9330%2,721
Core capital (leverage) ratio8.7778%3,638
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4006%1,413
Memoranda:
Average total assets$1,673,104,800,0004
Average earning assets$1,488,577,800,0004
Average equity$163,627,200,0004
Average total loans$650,079,600,0004
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7857%4,312
Cost of funding earning assets0.2599%3,018
Net interest margin2.5257%4,229
Noninterest income to average assets0.9267%1,200
Noninterest expense to average assets1.8421%4,079
Loan and lease loss provision to assets-0.2449%4,789
Net operating income to assets1.2148%2,116
Return on assets (ROA)1.2360%2,099
Pretax return on assets1.5852%1,753
Return on Equity (ROE)12.7760%1,771
Retained earnings to average equity (ytd only)7.6875%2,150
Net charge-offs to loans0.6594%120
Credit loss provision to net charge-offs-77.6115%3,199
Earnings coverage of net charge-offs (x)5.1749%2,235
Efficiency ratio57.7506%3,311
Assets per employee ($millions)9.7291%703
Cash dividends to net income (ytd only)*39.8285%1,622
Condition Ratios (%)
Loss allowance to loans2.4667%303
Loan loss allowance to noncurrent loans319.9482%1,901
Noncurrent assets plus other real estate owned to assets0.2956%2,294
Noncurrent loans to loans0.7710%1,466
Net loans and leases to total assets37.2925%4,330
Net loans and leases to deposits46.5104%4,210
Net loans and leases to core deposits93.5834%845
Total domestic deposits to total assets43.7064%4,873
Equity capital to assets9.6888%3,197
Core capital (leverage) ratio8.8882%3,674
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6351%1,745
Memoranda:
Average total assets$1,685,762,750,0004
Average earning assets$1,487,059,750,0004
Average equity$163,082,750,0004
Average total loans$648,483,000,0004
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7761%4,377
Cost of funding earning assets0.2591%3,193
Net interest margin2.5170%4,280
Noninterest income to average assets0.9930%1,084
Noninterest expense to average assets1.8291%4,122
Loan and lease loss provision to assets-0.3532%4,861
Net operating income to assets1.3452%1,725
Return on assets (ROA)1.3715%1,726
Pretax return on assets1.7645%1,316
Return on Equity (ROE)14.1847%1,357
Retained earnings to average equity (ytd only)9.5053%1,550
Net charge-offs to loans0.7500%110
Credit loss provision to net charge-offs-98.4761%3,060
Earnings coverage of net charge-offs (x)4.7628%2,020
Efficiency ratio56.4176%3,490
Assets per employee ($millions)9.8607%636
Cash dividends to net income (ytd only)*32.9890%1,917
Condition Ratios (%)
Loss allowance to loans2.6376%233
Loan loss allowance to noncurrent loans302.2584%1,884
Noncurrent assets plus other real estate owned to assets0.3386%2,238
Noncurrent loans to loans0.8726%1,407
Net loans and leases to total assets37.6384%4,399
Net loans and leases to deposits47.9731%4,218
Net loans and leases to core deposits103.5494%547
Total domestic deposits to total assets39.9003%4,909
Equity capital to assets9.7099%3,133
Core capital (leverage) ratio8.8570%3,642
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6078%1,762
Memoranda:
Average total assets$1,679,709,333,3334
Average earning assets$1,476,824,000,0004
Average equity$162,414,000,0004
Average total loans$647,475,000,0004
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8055%4,372
Cost of funding earning assets0.2620%3,361
Net interest margin2.5435%4,239
Noninterest income to average assets1.1584%904
Noninterest expense to average assets1.8351%4,139
Loan and lease loss provision to assets-0.5174%4,921
Net operating income to assets1.6163%1,100
Return on assets (ROA)1.6471%1,075
Pretax return on assets2.1172%785
Return on Equity (ROE)17.0715%837
Retained earnings to average equity (ytd only)17.0715%422
Net charge-offs to loans0.8498%96
Credit loss provision to net charge-offs-113.6696%2,852
Earnings coverage of net charge-offs (x)4.7646%1,709
Efficiency ratio53.4489%3,856
Assets per employee ($millions)9.9647%602
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans3.0032%148
Loan loss allowance to noncurrent loans302.8427%1,737
Noncurrent assets plus other real estate owned to assets0.3778%2,290
Noncurrent loans to loans0.9917%1,355
Net loans and leases to total assets36.7640%4,471
Net loans and leases to deposits47.4301%4,287
Net loans and leases to core deposits107.2357%474
Total domestic deposits to total assets39.3869%4,937
Equity capital to assets9.7140%2,984
Core capital (leverage) ratio8.9139%3,695
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7992%1,637
Memoranda:
Average total assets$1,672,950,500,0004
Average earning assets$1,470,093,500,0004
Average equity$161,415,500,0004
Average total loans$643,928,500,0004
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3458%4,268
Cost of funding earning assets0.5262%2,773
Net interest margin2.8195%4,235
Noninterest income to average assets0.9720%1,102
Noninterest expense to average assets1.9428%4,245
Loan and lease loss provision to assets0.8929%131
Net operating income to assets0.5029%4,024
Return on assets (ROA)0.5698%3,949
Pretax return on assets0.7093%3,862
Return on Equity (ROE)5.9477%3,602
Retained earnings to average equity (ytd only)4.4853%2,541
Net charge-offs to loans1.0121%132
Credit loss provision to net charge-offs213.9872%2,094
Earnings coverage of net charge-offs (x)3.6382%3,065
Efficiency ratio55.4098%4,053
Assets per employee ($millions)9.8826%555
Cash dividends to net income (ytd only)*24.5875%3,071
Condition Ratios (%)
Loss allowance to loans3.4080%102
Loan loss allowance to noncurrent loans316.9938%1,649
Noncurrent assets plus other real estate owned to assets0.4221%2,315
Noncurrent loans to loans1.0751%1,323
Net loans and leases to total assets37.7381%4,533
Net loans and leases to deposits48.9070%4,360
Net loans and leases to core deposits110.9173%481
Total domestic deposits to total assets39.8158%4,962
Equity capital to assets9.6003%3,516
Core capital (leverage) ratio8.6497%4,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9658%1,544
Memoranda:
Average total assets$1,606,051,000,0004
Average earning assets$1,417,407,800,0004
Average equity$153,857,000,0004
Average total loans$661,899,600,0004
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4776%4,243
Cost of funding earning assets0.5991%2,622
Net interest margin2.8785%4,214
Noninterest income to average assets1.0450%955
Noninterest expense to average assets1.9518%4,251
Loan and lease loss provision to assets1.1735%92
Net operating income to assets0.3775%4,309
Return on assets (ROA)0.4551%4,225
Pretax return on assets0.5594%4,174
Return on Equity (ROE)4.7535%3,956
Retained earnings to average equity (ytd only)2.7857%3,614
Net charge-offs to loans1.1004%124
Credit loss provision to net charge-offs254.7823%1,908
Earnings coverage of net charge-offs (x)3.5617%2,906
Efficiency ratio53.6376%4,192
Assets per employee ($millions)9.8798%526
Cash dividends to net income (ytd only)*41.3983%1,875
Condition Ratios (%)
Loss allowance to loans3.6427%79
Loan loss allowance to noncurrent loans360.9726%1,408
Noncurrent assets plus other real estate owned to assets0.3936%2,599
Noncurrent loans to loans1.0091%1,479
Net loans and leases to total assets37.3968%4,629
Net loans and leases to deposits48.4368%4,540
Net loans and leases to core deposits110.4129%689
Total domestic deposits to total assets39.8227%4,994
Equity capital to assets9.3689%3,799
Core capital (leverage) ratio8.5322%4,254
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7451%1,571
Memoranda:
Average total assets$1,592,187,000,0004
Average earning assets$1,407,142,000,0004
Average equity$152,444,000,0004
Average total loans$665,088,250,0004
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7136%4,056
Cost of funding earning assets0.7282%2,248
Net interest margin2.9855%4,158
Noninterest income to average assets1.1245%785
Noninterest expense to average assets1.9050%4,408
Loan and lease loss provision to assets1.6145%72
Net operating income to assets0.2000%4,575
Return on assets (ROA)0.2858%4,482
Pretax return on assets0.3441%4,480
Return on Equity (ROE)2.9624%4,362
Retained earnings to average equity (ytd only)2.9624%3,406
Net charge-offs to loans1.1302%123
Credit loss provision to net charge-offs332.2911%1,550
Earnings coverage of net charge-offs (x)3.8332%2,648
Efficiency ratio49.9746%4,508
Assets per employee ($millions)10.0304%496
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans3.5902%84
Loan loss allowance to noncurrent loans324.3518%1,454
Noncurrent assets plus other real estate owned to assets0.4484%2,524
Noncurrent loans to loans1.1069%1,418
Net loans and leases to total assets38.8615%4,647
Net loans and leases to deposits51.0182%4,487
Net loans and leases to core deposits117.5225%486
Total domestic deposits to total assets39.2296%5,027
Equity capital to assets9.3844%3,752
Core capital (leverage) ratio8.4905%4,399
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8361%1,538
Memoranda:
Average total assets$1,573,360,333,3334
Average earning assets$1,388,664,000,0004
Average equity$151,771,333,3334
Average total loans$673,498,666,6674
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0906%3,547
Cost of funding earning assets0.9746%1,543
Net interest margin3.1160%4,057
Noninterest income to average assets1.3077%525
Noninterest expense to average assets1.9959%4,401
Loan and lease loss provision to assets1.5106%100
Net operating income to assets0.4261%4,076
Return on assets (ROA)0.4948%3,966
Pretax return on assets0.6309%3,864
Return on Equity (ROE)5.0569%3,608
Retained earnings to average equity (ytd only)5.0569%2,249
Net charge-offs to loans1.0778%145
Credit loss provision to net charge-offs317.3297%1,135
Earnings coverage of net charge-offs (x)4.3150%2,144
Efficiency ratio48.6362%4,728
Assets per employee ($millions)10.2091%363
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans2.6952%195
Loan loss allowance to noncurrent loans309.6876%1,469
Noncurrent assets plus other real estate owned to assets0.3731%2,952
Noncurrent loans to loans0.8703%1,870
Net loans and leases to total assets41.4309%4,613
Net loans and leases to deposits55.9482%4,368
Net loans and leases to core deposits132.0625%240
Total domestic deposits to total assets37.9239%5,077
Equity capital to assets9.3041%4,391
Core capital (leverage) ratio9.0532%4,424
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1871%1,849
Memoranda:
Average total assets$1,543,201,500,0004
Average earning assets$1,357,242,500,0004
Average equity$151,001,500,0004
Average total loans$680,991,000,0004
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6406%2,496
Cost of funding earning assets1.3234%723
Net interest margin3.3172%3,949
Noninterest income to average assets1.0217%931
Noninterest expense to average assets2.0149%4,511
Loan and lease loss provision to assets0.4902%262
Net operating income to assets1.1344%2,315
Return on assets (ROA)1.2048%2,129
Pretax return on assets1.5446%1,673
Return on Equity (ROE)11.6483%1,643
Retained earnings to average equity (ytd only)0.0790%4,667
Net charge-offs to loans1.0172%157
Credit loss provision to net charge-offs106.0180%2,343
Earnings coverage of net charge-offs (x)4.2060%3,242
Efficiency ratio49.9397%4,736
Assets per employee ($millions)9.1585%477
Cash dividends to net income (ytd only)*99.3220%316
Condition Ratios (%)
Loss allowance to loans1.6567%872
Loan loss allowance to noncurrent loans188.7105%2,189
Noncurrent assets plus other real estate owned to assets0.4063%2,776
Noncurrent loans to loans0.8779%1,746
Net loans and leases to total assets45.1087%4,554
Net loans and leases to deposits60.7386%4,257
Net loans and leases to core deposits148.5784%129
Total domestic deposits to total assets36.8718%5,140
Equity capital to assets10.3248%3,609
Core capital (leverage) ratio9.1049%4,444
Tier 1 risk-based capital ratio13.0322%3,778
Total risk-based capital ratio15.4252%3,089
Memoranda:
Average total assets$1,444,680,600,0004
Average earning assets$1,279,540,600,0004
Average equity$149,421,200,0004
Average total loans$656,676,800,0004
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6747%2,488
Cost of funding earning assets1.3711%641
Net interest margin3.3036%4,088
Noninterest income to average assets1.0355%864
Noninterest expense to average assets2.0144%4,520
Loan and lease loss provision to assets0.4797%250
Net operating income to assets1.1411%2,409
Return on assets (ROA)1.2058%2,257
Pretax return on assets1.5502%1,814
Return on Equity (ROE)11.6530%1,735
Retained earnings to average equity (ytd only)-0.1278%4,768
Net charge-offs to loans1.0112%143
Credit loss provision to net charge-offs104.5958%2,170
Earnings coverage of net charge-offs (x)4.2459%3,030
Efficiency ratio49.9020%4,753
Assets per employee ($millions)9.3909%419
Cash dividends to net income (ytd only)*101.0963%306
Condition Ratios (%)
Loss allowance to loans1.6425%918
Loan loss allowance to noncurrent loans196.5005%2,130
Noncurrent assets plus other real estate owned to assets0.3786%2,988
Noncurrent loans to loans0.8359%1,901
Net loans and leases to total assets44.0589%4,690
Net loans and leases to deposits58.8882%4,437
Net loans and leases to core deposits145.6116%144
Total domestic deposits to total assets37.0507%5,220
Equity capital to assets10.1537%3,866
Core capital (leverage) ratio9.1086%4,549
Tier 1 risk-based capital ratio12.6197%4,072
Total risk-based capital ratio14.8666%3,425
Memoranda:
Average total assets$1,442,351,250,0004
Average earning assets$1,277,513,250,0004
Average equity$149,246,000,0004
Average total loans$654,113,750,0004
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6952%2,371
Cost of funding earning assets1.3760%585
Net interest margin3.3193%4,096
Noninterest income to average assets1.0221%841
Noninterest expense to average assets2.0387%4,537
Loan and lease loss provision to assets0.4793%245
Net operating income to assets1.1273%2,414
Return on assets (ROA)1.1954%2,226
Pretax return on assets1.5326%1,748
Return on Equity (ROE)11.4789%1,797
Retained earnings to average equity (ytd only)-0.0362%4,687
Net charge-offs to loans1.0211%139
Credit loss provision to net charge-offs103.0631%1,921
Earnings coverage of net charge-offs (x)4.1402%2,760
Efficiency ratio50.4756%4,757
Assets per employee ($millions)9.2147%427
Cash dividends to net income (ytd only)*100.3154%421
Condition Ratios (%)
Loss allowance to loans1.6423%941
Loan loss allowance to noncurrent loans199.0741%2,160
Noncurrent assets plus other real estate owned to assets0.3748%3,013
Noncurrent loans to loans0.8250%1,941
Net loans and leases to total assets44.1089%4,721
Net loans and leases to deposits60.1996%4,417
Net loans and leases to core deposits153.8351%113
Total domestic deposits to total assets36.2783%5,267
Equity capital to assets10.2964%3,702
Core capital (leverage) ratio9.3077%4,352
Tier 1 risk-based capital ratio12.7599%3,969
Total risk-based capital ratio15.0098%3,342
Memoranda:
Average total assets$1,432,163,333,3304
Average earning assets$1,269,368,333,3304
Average equity$149,143,000,0004
Average total loans$652,222,666,6704
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7339%2,098
Cost of funding earning assets1.3373%582
Net interest margin3.3966%3,896
Noninterest income to average assets1.0059%797
Noninterest expense to average assets2.0538%4,542
Loan and lease loss provision to assets0.4653%233
Net operating income to assets1.1671%2,190
Return on assets (ROA)1.2078%2,076
Pretax return on assets1.5521%1,609
Return on Equity (ROE)11.5313%1,720
Retained earnings to average equity (ytd only)-0.2800%4,573
Net charge-offs to loans1.0131%136
Credit loss provision to net charge-offs100.0606%1,574
Earnings coverage of net charge-offs (x)4.2250%2,340
Efficiency ratio50.1474%4,815
Assets per employee ($millions)8.9122%497
Cash dividends to net income (ytd only)*102.4282%597
Condition Ratios (%)
Loss allowance to loans1.6400%991
Loan loss allowance to noncurrent loans183.6812%2,323
Noncurrent assets plus other real estate owned to assets0.4116%2,940
Noncurrent loans to loans0.8928%1,868
Net loans and leases to total assets44.6551%4,716
Net loans and leases to deposits60.5391%4,385
Net loans and leases to core deposits150.5623%120
Total domestic deposits to total assets36.8161%5,328
Equity capital to assets10.4302%3,394
Core capital (leverage) ratio9.4562%4,188
Tier 1 risk-based capital ratio12.6933%4,049
Total risk-based capital ratio14.9947%3,381
Memoranda:
Average total assets$1,418,433,500,0004
Average earning assets$1,258,083,500,0004
Average equity$148,570,000,0004
Average total loans$651,047,500,0004
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4662%2,563
Cost of funding earning assets1.0858%523
Net interest margin3.3804%4,052
Noninterest income to average assets1.1055%754
Noninterest expense to average assets2.1259%4,507
Loan and lease loss provision to assets0.4378%296
Net operating income to assets1.1749%2,290
Return on assets (ROA)1.1806%2,261
Pretax return on assets1.5445%1,642
Return on Equity (ROE)11.3503%1,959
Retained earnings to average equity (ytd only)5.6594%2,379
Net charge-offs to loans0.9594%158
Credit loss provision to net charge-offs99.6429%2,571
Earnings coverage of net charge-offs (x)4.4926%3,291
Efficiency ratio50.9350%4,882
Assets per employee ($millions)8.5995%532
Cash dividends to net income (ytd only)*50.1389%1,947
Condition Ratios (%)
Loss allowance to loans1.6317%963
Loan loss allowance to noncurrent loans193.4968%2,299
Noncurrent assets plus other real estate owned to assets0.3975%2,962
Noncurrent loans to loans0.8433%1,916
Net loans and leases to total assets45.6505%4,751
Net loans and leases to deposits62.6429%4,334
Net loans and leases to core deposits158.9679%95
Total domestic deposits to total assets35.9459%5,372
Equity capital to assets10.5172%3,164
Core capital (leverage) ratio9.3880%4,250
Tier 1 risk-based capital ratio12.7452%3,993
Total risk-based capital ratio15.0682%3,304
Memoranda:
Average total assets$1,402,215,400,0004
Average earning assets$1,242,068,000,0004
Average equity$145,846,600,0004
Average total loans$642,148,200,0004
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3751%2,708
Cost of funding earning assets1.0237%537
Net interest margin3.3514%4,153
Noninterest income to average assets1.2069%653
Noninterest expense to average assets2.1481%4,433
Loan and lease loss provision to assets0.4349%281
Net operating income to assets1.2181%2,162
Return on assets (ROA)1.2201%2,154
Pretax return on assets1.5952%1,596
Return on Equity (ROE)11.7630%1,881
Retained earnings to average equity (ytd only)7.8179%1,739
Net charge-offs to loans0.9716%144
Credit loss provision to net charge-offs98.0687%2,321
Earnings coverage of net charge-offs (x)4.5695%3,047
Efficiency ratio50.5688%4,912
Assets per employee ($millions)8.6108%508
Cash dividends to net income (ytd only)*33.5387%2,377
Condition Ratios (%)
Loss allowance to loans1.6508%964
Loan loss allowance to noncurrent loans189.3400%2,319
Noncurrent assets plus other real estate owned to assets0.4012%3,081
Noncurrent loans to loans0.8719%1,957
Net loans and leases to total assets44.5672%4,863
Net loans and leases to deposits61.9106%4,446
Net loans and leases to core deposits151.2350%125
Total domestic deposits to total assets35.5941%5,445
Equity capital to assets10.3517%3,279
Core capital (leverage) ratio9.3251%4,369
Tier 1 risk-based capital ratio12.4767%4,209
Total risk-based capital ratio14.7627%3,533
Memoranda:
Average total assets$1,401,090,000,0004
Average earning assets$1,240,587,250,0004
Average equity$145,321,500,0004
Average total loans$639,479,000,0004
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2826%2,825
Cost of funding earning assets0.9563%566
Net interest margin3.3263%4,173
Noninterest income to average assets1.2485%620
Noninterest expense to average assets2.1688%4,442
Loan and lease loss provision to assets0.4294%273
Net operating income to assets1.2203%2,100
Return on assets (ROA)1.2248%2,083
Pretax return on assets1.6094%1,475
Return on Equity (ROE)11.8013%1,801
Retained earnings to average equity (ytd only)11.8013%550
Net charge-offs to loans1.0067%131
Credit loss provision to net charge-offs93.2214%2,129
Earnings coverage of net charge-offs (x)4.4114%2,791
Efficiency ratio50.7637%4,977
Assets per employee ($millions)8.4569%528
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.6343%1,018
Loan loss allowance to noncurrent loans180.7732%2,438
Noncurrent assets plus other real estate owned to assets0.4200%3,043
Noncurrent loans to loans0.9040%1,913
Net loans and leases to total assets45.1014%4,865
Net loans and leases to deposits62.8420%4,366
Net loans and leases to core deposits156.0311%95
Total domestic deposits to total assets34.7681%5,506
Equity capital to assets10.5577%3,065
Core capital (leverage) ratio9.5157%4,101
Tier 1 risk-based capital ratio12.6739%4,077
Total risk-based capital ratio14.9706%3,405
Memoranda:
Average total assets$1,396,426,333,3304
Average earning assets$1,239,379,666,6704
Average equity$144,933,666,6704
Average total loans$638,889,333,3304
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2114%2,849
Cost of funding earning assets0.8976%599
Net interest margin3.3138%4,153
Noninterest income to average assets1.3452%518
Noninterest expense to average assets2.1955%4,429
Loan and lease loss provision to assets0.4279%254
Net operating income to assets1.2491%1,810
Return on assets (ROA)1.2406%1,854
Pretax return on assets1.6525%1,237
Return on Equity (ROE)12.0574%1,560
Retained earnings to average equity (ytd only)12.0574%674
Net charge-offs to loans1.0347%137
Credit loss provision to net charge-offs90.4848%1,671
Earnings coverage of net charge-offs (x)4.4176%2,307
Efficiency ratio50.3880%5,064
Assets per employee ($millions)8.3286%556
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.6593%1,032
Loan loss allowance to noncurrent loans172.4833%2,523
Noncurrent assets plus other real estate owned to assets0.4431%3,073
Noncurrent loans to loans0.9620%1,895
Net loans and leases to total assets44.6813%4,864
Net loans and leases to deposits62.7773%4,286
Net loans and leases to core deposits156.5710%96
Total domestic deposits to total assets34.1476%5,569
Equity capital to assets10.3300%3,240
Core capital (leverage) ratio9.2729%4,353
Tier 1 risk-based capital ratio12.3629%4,336
Total risk-based capital ratio14.6600%3,625
Memoranda:
Average total assets$1,395,742,500,0004
Average earning assets$1,237,974,000,0004
Average equity$143,613,000,0004
Average total loans$637,884,500,0004
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1577%2,850
Cost of funding earning assets0.8036%608
Net interest margin3.3541%3,997
Noninterest income to average assets1.0576%905
Noninterest expense to average assets2.1913%4,545
Loan and lease loss provision to assets0.4535%301
Net operating income to assets0.0603%5,293
Return on assets (ROA)0.0798%5,284
Pretax return on assets1.3664%2,105
Return on Equity (ROE)0.7550%5,276
Retained earnings to average equity (ytd only)-4.3785%5,414
Net charge-offs to loans0.9915%181
Credit loss provision to net charge-offs103.2099%2,478
Earnings coverage of net charge-offs (x)4.0571%3,524
Efficiency ratio54.0459%4,946
Assets per employee ($millions)8.1949%597
Cash dividends to net income (ytd only)*679.9637%13
Condition Ratios (%)
Loss allowance to loans1.6887%966
Loan loss allowance to noncurrent loans158.8826%2,691
Noncurrent assets plus other real estate owned to assets0.4964%2,896
Noncurrent loans to loans1.0628%1,676
Net loans and leases to total assets45.1647%4,931
Net loans and leases to deposits64.0779%4,314
Net loans and leases to core deposits156.8422%100
Total domestic deposits to total assets35.1080%5,635
Equity capital to assets10.2657%3,418
Core capital (leverage) ratio9.0112%4,638
Tier 1 risk-based capital ratio12.4529%4,236
Total risk-based capital ratio14.5985%3,625
Memoranda:
Average total assets$1,382,606,200,0004
Average earning assets$1,202,124,600,0004
Average equity$146,101,200,0004
Average total loans$612,716,400,0004
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1378%2,844
Cost of funding earning assets0.7855%628
Net interest margin3.3524%4,004
Noninterest income to average assets1.0989%845
Noninterest expense to average assets2.1850%4,555
Loan and lease loss provision to assets0.4387%299
Net operating income to assets0.9183%2,931
Return on assets (ROA)0.9505%2,840
Pretax return on assets1.4262%2,033
Return on Equity (ROE)8.9311%2,643
Retained earnings to average equity (ytd only)2.1315%4,585
Net charge-offs to loans0.9728%179
Credit loss provision to net charge-offs102.7106%2,233
Earnings coverage of net charge-offs (x)4.2482%3,251
Efficiency ratio53.5294%4,967
Assets per employee ($millions)8.0967%610
Cash dividends to net income (ytd only)*76.1344%755
Condition Ratios (%)
Loss allowance to loans1.7151%1,000
Loan loss allowance to noncurrent loans154.9396%2,722
Noncurrent assets plus other real estate owned to assets0.5301%2,936
Noncurrent loans to loans1.1069%1,738
Net loans and leases to total assets43.3638%5,060
Net loans and leases to deposits63.0401%4,440
Net loans and leases to core deposits155.9631%97
Total domestic deposits to total assets33.3646%5,703
Equity capital to assets10.5752%3,286
Core capital (leverage) ratio9.3468%4,351
Tier 1 risk-based capital ratio12.4965%4,315
Total risk-based capital ratio14.7801%3,597
Memoranda:
Average total assets$1,381,833,500,0004
Average earning assets$1,195,664,500,0004
Average equity$147,063,500,0004
Average total loans$606,746,500,0004
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0955%2,842
Cost of funding earning assets0.7540%669
Net interest margin3.3415%3,977
Noninterest income to average assets1.1129%809
Noninterest expense to average assets2.2588%4,443
Loan and lease loss provision to assets0.3976%334
Net operating income to assets0.8934%2,943
Return on assets (ROA)0.9257%2,831
Pretax return on assets1.3923%2,052
Return on Equity (ROE)8.6769%2,678
Retained earnings to average equity (ytd only)2.5347%4,168
Net charge-offs to loans0.9694%202
Credit loss provision to net charge-offs93.5572%2,104
Earnings coverage of net charge-offs (x)4.0946%2,977
Efficiency ratio55.3698%4,888
Assets per employee ($millions)7.9859%626
Cash dividends to net income (ytd only)*70.7881%1,104
Condition Ratios (%)
Loss allowance to loans1.6779%1,101
Loan loss allowance to noncurrent loans145.7357%2,848
Noncurrent assets plus other real estate owned to assets0.5559%2,908
Noncurrent loans to loans1.1513%1,699
Net loans and leases to total assets43.1606%5,092
Net loans and leases to deposits62.2182%4,492
Net loans and leases to core deposits160.4699%90
Total domestic deposits to total assets33.8813%5,750
Equity capital to assets10.5652%3,265
Core capital (leverage) ratio9.3811%4,252
Tier 1 risk-based capital ratio12.5398%4,280
Total risk-based capital ratio14.7364%3,622
Memoranda:
Average total assets$1,373,396,000,0004
Average earning assets$1,186,130,333,3304
Average equity$146,526,666,6704
Average total loans$602,026,666,6704
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0785%2,733
Cost of funding earning assets0.7255%741
Net interest margin3.3530%3,830
Noninterest income to average assets1.1593%752
Noninterest expense to average assets2.2303%4,573
Loan and lease loss provision to assets0.4075%272
Net operating income to assets0.9480%2,533
Return on assets (ROA)0.9739%2,473
Pretax return on assets1.4597%1,665
Return on Equity (ROE)9.0831%2,373
Retained earnings to average equity (ytd only)3.5948%3,642
Net charge-offs to loans0.9874%170
Credit loss provision to net charge-offs94.2177%1,658
Earnings coverage of net charge-offs (x)4.2170%2,406
Efficiency ratio53.7920%5,149
Assets per employee ($millions)7.9802%626
Cash dividends to net income (ytd only)*60.4230%1,415
Condition Ratios (%)
Loss allowance to loans1.7499%1,057
Loan loss allowance to noncurrent loans138.0013%2,986
Noncurrent assets plus other real estate owned to assets0.6034%2,837
Noncurrent loans to loans1.2680%1,591
Net loans and leases to total assets42.7498%5,119
Net loans and leases to deposits60.6995%4,517
Net loans and leases to core deposits153.3547%96
Total domestic deposits to total assets34.7325%5,818
Equity capital to assets10.7523%2,907
Core capital (leverage) ratio9.4646%4,155
Tier 1 risk-based capital ratio12.5841%4,335
Total risk-based capital ratio14.2619%3,975
Memoranda:
Average total assets$1,359,442,500,0004
Average earning assets$1,173,758,000,0004
Average equity$145,764,500,0004
Average total loans$595,474,000,0004
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0350%3,077
Cost of funding earning assets0.6333%1,143
Net interest margin3.4017%3,822
Noninterest income to average assets1.0339%1,057
Noninterest expense to average assets2.2161%4,738
Loan and lease loss provision to assets0.4128%370
Net operating income to assets0.9330%2,660
Return on assets (ROA)0.9531%2,674
Pretax return on assets1.3934%1,969
Return on Equity (ROE)8.7240%2,554
Retained earnings to average equity (ytd only)-0.6823%5,408
Net charge-offs to loans1.0060%184
Credit loss provision to net charge-offs92.3833%2,757
Earnings coverage of net charge-offs (x)3.9690%3,584
Efficiency ratio54.5024%5,201
Assets per employee ($millions)8.4650%509
Cash dividends to net income (ytd only)*107.8209%286
Condition Ratios (%)
Loss allowance to loans1.7584%1,024
Loan loss allowance to noncurrent loans127.7778%3,136
Noncurrent assets plus other real estate owned to assets0.6548%2,756
Noncurrent loans to loans1.3761%1,489
Net loans and leases to total assets43.3232%5,156
Net loans and leases to deposits61.8264%4,558
Net loans and leases to core deposits151.5101%106
Total domestic deposits to total assets34.9388%5,876
Equity capital to assets10.6921%2,935
Core capital (leverage) ratio9.4737%4,119
Tier 1 risk-based capital ratio12.6177%4,313
Total risk-based capital ratio14.2377%3,991
Memoranda:
Average total assets$1,342,815,600,0004
Average earning assets$1,166,739,000,0004
Average equity$146,711,000,0004
Average total loans$596,431,800,0004
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0243%3,128
Cost of funding earning assets0.6220%1,192
Net interest margin3.4023%3,827
Noninterest income to average assets1.0078%1,133
Noninterest expense to average assets2.2064%4,755
Loan and lease loss provision to assets0.4063%357
Net operating income to assets0.9265%2,775
Return on assets (ROA)0.9372%2,842
Pretax return on assets1.3678%2,162
Return on Equity (ROE)8.5321%2,747
Retained earnings to average equity (ytd only)0.2055%5,292
Net charge-offs to loans0.9520%181
Credit loss provision to net charge-offs95.9165%2,439
Earnings coverage of net charge-offs (x)4.1420%3,310
Efficiency ratio54.7061%5,183
Assets per employee ($millions)8.4109%502
Cash dividends to net income (ytd only)*97.5920%431
Condition Ratios (%)
Loss allowance to loans1.7775%1,053
Loan loss allowance to noncurrent loans130.7767%3,075
Noncurrent assets plus other real estate owned to assets0.6751%2,885
Noncurrent loans to loans1.3592%1,624
Net loans and leases to total assets43.9014%5,198
Net loans and leases to deposits62.8274%4,573
Net loans and leases to core deposits154.9774%108
Total domestic deposits to total assets33.8802%5,945
Equity capital to assets10.9217%3,097
Core capital (leverage) ratio9.6234%4,028
Tier 1 risk-based capital ratio12.9552%4,190
Total risk-based capital ratio14.1661%4,125
Memoranda:
Average total assets$1,341,124,250,0004
Average earning assets$1,164,094,500,0004
Average equity$147,314,250,0004
Average total loans$596,753,000,0004
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9985%3,253
Cost of funding earning assets0.6084%1,263
Net interest margin3.3901%3,933
Noninterest income to average assets1.0492%1,014
Noninterest expense to average assets2.2014%4,840
Loan and lease loss provision to assets0.3952%392
Net operating income to assets0.9541%2,609
Return on assets (ROA)0.9540%2,752
Pretax return on assets1.3955%2,047
Return on Equity (ROE)8.6685%2,655
Retained earnings to average equity (ytd only)0.9154%5,028
Net charge-offs to loans0.9980%186
Credit loss provision to net charge-offs89.1290%2,253
Earnings coverage of net charge-offs (x)4.0314%3,025
Efficiency ratio54.2875%5,286
Assets per employee ($millions)8.4607%484
Cash dividends to net income (ytd only)*89.4398%697
Condition Ratios (%)
Loss allowance to loans1.7451%1,185
Loan loss allowance to noncurrent loans123.4226%3,269
Noncurrent assets plus other real estate owned to assets0.6946%2,897
Noncurrent loans to loans1.4139%1,571
Net loans and leases to total assets43.7100%5,251
Net loans and leases to deposits63.0160%4,570
Net loans and leases to core deposits156.7630%96
Total domestic deposits to total assets34.1537%6,023
Equity capital to assets10.9026%3,164
Core capital (leverage) ratio9.7117%3,916
Tier 1 risk-based capital ratio12.6509%4,420
Total risk-based capital ratio14.8578%3,755
Memoranda:
Average total assets$1,336,034,666,6704
Average earning assets$1,158,537,333,3304
Average equity$147,038,666,6704
Average total loans$593,586,666,6704
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0102%3,188
Cost of funding earning assets0.5849%1,449
Net interest margin3.4252%3,787
Noninterest income to average assets0.9882%1,102
Noninterest expense to average assets2.2195%4,861
Loan and lease loss provision to assets0.4641%275
Net operating income to assets0.8837%2,836
Return on assets (ROA)0.8686%3,020
Pretax return on assets1.2646%2,450
Return on Equity (ROE)7.8542%3,003
Retained earnings to average equity (ytd only)0.1889%5,063
Net charge-offs to loans1.0583%173
Credit loss provision to net charge-offs98.7758%1,686
Earnings coverage of net charge-offs (x)3.7223%2,507
Efficiency ratio55.0122%5,285
Assets per employee ($millions)8.1041%545
Cash dividends to net income (ytd only)*97.5950%735
Condition Ratios (%)
Loss allowance to loans1.8585%1,035
Loan loss allowance to noncurrent loans127.0522%3,115
Noncurrent assets plus other real estate owned to assets0.6834%3,008
Noncurrent loans to loans1.4628%1,611
Net loans and leases to total assets42.8538%5,306
Net loans and leases to deposits60.7288%4,662
Net loans and leases to core deposits151.0122%103
Total domestic deposits to total assets34.4319%6,085
Equity capital to assets10.9860%2,961
Core capital (leverage) ratio9.8753%3,692
Tier 1 risk-based capital ratio12.7903%4,405
Total risk-based capital ratio15.0243%3,758
Memoranda:
Average total assets$1,321,222,000,0004
Average earning assets$1,149,580,500,0004
Average equity$146,112,000,0004
Average total loans$586,614,000,0004
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9747%3,407
Cost of funding earning assets0.5534%1,735
Net interest margin3.4213%3,832
Noninterest income to average assets1.2703%738
Noninterest expense to average assets2.3596%4,617
Loan and lease loss provision to assets0.3923%354
Net operating income to assets0.9831%2,454
Return on assets (ROA)0.9893%2,512
Pretax return on assets1.4871%1,597
Return on Equity (ROE)8.9685%2,471
Retained earnings to average equity (ytd only)-0.2115%5,541
Net charge-offs to loans1.0402%190
Credit loss provision to net charge-offs85.2903%2,853
Earnings coverage of net charge-offs (x)4.0574%3,616
Efficiency ratio54.7525%5,466
Assets per employee ($millions)7.6274%650
Cash dividends to net income (ytd only)*102.3580%366
Condition Ratios (%)
Loss allowance to loans1.8489%1,053
Loan loss allowance to noncurrent loans131.6511%3,075
Noncurrent assets plus other real estate owned to assets0.6804%3,006
Noncurrent loans to loans1.4044%1,662
Net loans and leases to total assets44.3227%5,262
Net loans and leases to deposits62.9505%4,545
Net loans and leases to core deposits153.0002%98
Total domestic deposits to total assets34.7213%6,146
Equity capital to assets11.1341%2,693
Core capital (leverage) ratio9.8021%3,767
Tier 1 risk-based capital ratio12.7413%4,484
Total risk-based capital ratio14.9862%3,796
Memoranda:
Average total assets$1,333,227,200,0004
Average earning assets$1,151,683,400,0004
Average equity$147,059,000,0004
Average total loans$589,489,800,0004
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9555%3,522
Cost of funding earning assets0.5522%1,783
Net interest margin3.4033%3,941
Noninterest income to average assets1.3224%697
Noninterest expense to average assets2.3652%4,608
Loan and lease loss provision to assets0.3410%395
Net operating income to assets1.0186%2,381
Return on assets (ROA)1.0337%2,399
Pretax return on assets1.5749%1,457
Return on Equity (ROE)9.3927%2,355
Retained earnings to average equity (ytd only)1.9876%4,885
Net charge-offs to loans1.0016%190
Credit loss provision to net charge-offs77.3968%2,655
Earnings coverage of net charge-offs (x)4.2910%3,375
Efficiency ratio54.4663%5,477
Assets per employee ($millions)7.6778%626
Cash dividends to net income (ytd only)*78.8386%773
Condition Ratios (%)
Loss allowance to loans1.8803%1,113
Loan loss allowance to noncurrent loans130.9976%3,078
Noncurrent assets plus other real estate owned to assets0.6754%3,229
Noncurrent loans to loans1.4354%1,756
Net loans and leases to total assets43.0240%5,420
Net loans and leases to deposits60.9149%4,790
Net loans and leases to core deposits153.8855%92
Total domestic deposits to total assets33.5620%6,232
Equity capital to assets10.9735%3,059
Core capital (leverage) ratio9.7659%3,941
Tier 1 risk-based capital ratio12.6658%4,636
Total risk-based capital ratio14.8854%3,991
Memoranda:
Average total assets$1,341,583,750,0004
Average earning assets$1,156,290,500,0004
Average equity$147,643,500,0003
Average total loans$590,122,500,0004
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9575%3,459
Cost of funding earning assets0.5612%1,718
Net interest margin3.3963%3,920
Noninterest income to average assets1.3781%658
Noninterest expense to average assets2.3662%4,672
Loan and lease loss provision to assets0.3363%406
Net operating income to assets1.0459%2,154
Return on assets (ROA)1.0662%2,182
Pretax return on assets1.6328%1,247
Return on Equity (ROE)9.6794%2,215
Retained earnings to average equity (ytd only)3.4599%3,840
Net charge-offs to loans1.0604%190
Credit loss provision to net charge-offs72.0255%2,434
Earnings coverage of net charge-offs (x)4.1445%3,084
Efficiency ratio53.9301%5,592
Assets per employee ($millions)7.7006%609
Cash dividends to net income (ytd only)*64.2548%1,391
Condition Ratios (%)
Loss allowance to loans1.8990%1,165
Loan loss allowance to noncurrent loans135.1477%3,028
Noncurrent assets plus other real estate owned to assets0.6760%3,374
Noncurrent loans to loans1.4052%1,917
Net loans and leases to total assets43.6747%5,397
Net loans and leases to deposits61.9687%4,703
Net loans and leases to core deposits160.7690%78
Total domestic deposits to total assets33.0346%6,306
Equity capital to assets11.0962%2,785
Core capital (leverage) ratio9.8104%3,851
Tier 1 risk-based capital ratio12.7016%4,680
Total risk-based capital ratio14.9225%4,047
Memoranda:
Average total assets$1,342,838,000,0004
Average earning assets$1,155,772,000,0004
Average equity$147,922,666,6703
Average total loans$591,292,000,0004
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9584%3,387
Cost of funding earning assets0.5684%1,674
Net interest margin3.3900%3,884
Noninterest income to average assets1.3256%651
Noninterest expense to average assets2.3697%4,684
Loan and lease loss provision to assets0.3471%371
Net operating income to assets1.0113%2,211
Return on assets (ROA)1.0456%2,198
Pretax return on assets1.5722%1,341
Return on Equity (ROE)9.5269%2,209
Retained earnings to average equity (ytd only)6.5489%2,215
Net charge-offs to loans1.1074%212
Credit loss provision to net charge-offs71.5686%1,899
Earnings coverage of net charge-offs (x)3.8438%2,561
Efficiency ratio54.8077%5,612
Assets per employee ($millions)7.6332%638
Cash dividends to net income (ytd only)*31.2589%2,308
Condition Ratios (%)
Loss allowance to loans2.0022%1,074
Loan loss allowance to noncurrent loans128.6390%3,105
Noncurrent assets plus other real estate owned to assets0.7380%3,278
Noncurrent loans to loans1.5564%1,802
Net loans and leases to total assets42.8714%5,430
Net loans and leases to deposits61.0949%4,656
Net loans and leases to core deposits155.0803%86
Total domestic deposits to total assets34.0439%6,378
Equity capital to assets11.1137%2,849
Core capital (leverage) ratio9.6010%4,151
Tier 1 risk-based capital ratio12.6709%4,801
Total risk-based capital ratio14.8880%4,165
Memoranda:
Average total assets$1,346,156,500,0004
Average earning assets$1,154,824,000,0004
Average equity$147,750,500,0003
Average total loans$589,498,500,0004
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0624%3,472
Cost of funding earning assets0.6228%1,587
Net interest margin3.4396%4,022
Noninterest income to average assets1.1816%864
Noninterest expense to average assets2.6713%3,970
Loan and lease loss provision to assets0.2921%707
Net operating income to assets0.7643%3,544
Return on assets (ROA)0.7578%3,689
Pretax return on assets1.1707%2,778
Return on Equity (ROE)6.9925%3,640
Retained earnings to average equity (ytd only)0.9791%5,335
Net charge-offs to loans1.1901%228
Credit loss provision to net charge-offs55.4798%3,370
Earnings coverage of net charge-offs (x)2.7898%4,061
Efficiency ratio63.3410%4,695
Assets per employee ($millions)7.6908%604
Cash dividends to net income (ytd only)*85.9986%699
Condition Ratios (%)
Loss allowance to loans2.0611%1,007
Loan loss allowance to noncurrent loans121.3727%3,279
Noncurrent assets plus other real estate owned to assets0.8024%3,199
Noncurrent loans to loans1.6981%1,722
Net loans and leases to total assets42.9203%5,546
Net loans and leases to deposits62.1908%4,710
Net loans and leases to core deposits161.2551%79
Total domestic deposits to total assets33.5766%6,467
Equity capital to assets10.8621%3,047
Core capital (leverage) ratio9.4435%4,314
Tier 1 risk-based capital ratio13.6458%4,327
Total risk-based capital ratio14.8065%4,313
Memoranda:
Average total assets$1,365,652,000,0004
Average earning assets$1,174,667,400,0004
Average equity$148,000,400,0003
Average total loans$604,152,400,0004
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0669%3,496
Cost of funding earning assets0.6398%1,528
Net interest margin3.4271%4,119
Noninterest income to average assets1.2374%794
Noninterest expense to average assets2.5559%4,335
Loan and lease loss provision to assets0.2702%777
Net operating income to assets0.9120%2,856
Return on assets (ROA)0.8972%3,018
Pretax return on assets1.3449%2,216
Return on Equity (ROE)8.2838%3,050
Retained earnings to average equity (ytd only)0.2745%5,724
Net charge-offs to loans1.1993%228
Credit loss provision to net charge-offs50.8065%3,086
Earnings coverage of net charge-offs (x)3.0713%3,750
Efficiency ratio59.8362%5,202
Assets per employee ($millions)7.7501%575
Cash dividends to net income (ytd only)*96.6866%397
Condition Ratios (%)
Loss allowance to loans2.1497%1,022
Loan loss allowance to noncurrent loans118.6247%3,249
Noncurrent assets plus other real estate owned to assets0.8594%3,266
Noncurrent loans to loans1.8122%1,778
Net loans and leases to total assets42.6356%5,625
Net loans and leases to deposits61.9591%4,744
Net loans and leases to core deposits162.6528%76
Total domestic deposits to total assets32.1605%6,548
Equity capital to assets10.7156%3,276
Core capital (leverage) ratio9.4587%4,430
Tier 1 risk-based capital ratio13.5679%4,493
Total risk-based capital ratio14.4489%4,666
Memoranda:
Average total assets$1,367,869,750,0004
Average earning assets$1,178,201,500,0004
Average equity$148,156,750,0003
Average total loans$606,543,250,0004
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0485%3,551
Cost of funding earning assets0.6436%1,561
Net interest margin3.4049%4,152
Noninterest income to average assets1.2213%784
Noninterest expense to average assets2.4889%4,614
Loan and lease loss provision to assets0.2735%755
Net operating income to assets0.9155%2,729
Return on assets (ROA)0.9028%2,889
Pretax return on assets1.3857%1,950
Return on Equity (ROE)8.3055%2,929
Retained earnings to average equity (ytd only)1.6988%5,056
Net charge-offs to loans1.2411%248
Credit loss provision to net charge-offs49.4043%2,804
Earnings coverage of net charge-offs (x)3.0270%3,410
Efficiency ratio58.5853%5,482
Assets per employee ($millions)7.6866%569
Cash dividends to net income (ytd only)*79.5455%914
Condition Ratios (%)
Loss allowance to loans2.2486%957
Loan loss allowance to noncurrent loans120.3193%3,198
Noncurrent assets plus other real estate owned to assets0.9038%3,284
Noncurrent loans to loans1.8689%1,840
Net loans and leases to total assets43.5741%5,561
Net loans and leases to deposits61.3814%4,748
Net loans and leases to core deposits164.9125%66
Total domestic deposits to total assets32.9808%6,613
Equity capital to assets10.8900%2,988
Core capital (leverage) ratio9.6801%4,070
Tier 1 risk-based capital ratio13.8345%4,363
Total risk-based capital ratio14.8944%4,437
Memoranda:
Average total assets$1,364,619,666,6704
Average earning assets$1,179,587,666,6704
Average equity$148,335,666,6703
Average total loans$608,637,333,3304
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0314%3,558
Cost of funding earning assets0.6452%1,616
Net interest margin3.3862%4,186
Noninterest income to average assets1.2724%686
Noninterest expense to average assets2.3344%5,114
Loan and lease loss provision to assets0.3055%626
Net operating income to assets0.9895%2,248
Return on assets (ROA)0.9742%2,372
Pretax return on assets1.5355%1,324
Return on Equity (ROE)8.9709%2,479
Retained earnings to average equity (ytd only)0.2981%5,453
Net charge-offs to loans1.1565%290
Credit loss provision to net charge-offs59.2128%2,119
Earnings coverage of net charge-offs (x)3.6184%2,653
Efficiency ratio54.3786%5,984
Assets per employee ($millions)7.4946%632
Cash dividends to net income (ytd only)*96.6767%724
Condition Ratios (%)
Loss allowance to loans2.4705%841
Loan loss allowance to noncurrent loans120.8196%3,156
Noncurrent assets plus other real estate owned to assets0.9828%3,296
Noncurrent loans to loans2.0448%1,816
Net loans and leases to total assets43.4059%5,561
Net loans and leases to deposits60.6385%4,693
Net loans and leases to core deposits162.6784%68
Total domestic deposits to total assets33.3015%6,685
Equity capital to assets10.8367%2,897
Core capital (leverage) ratio9.5599%4,191
Tier 1 risk-based capital ratio14.0088%4,333
Total risk-based capital ratio15.9856%3,817
Memoranda:
Average total assets$1,359,006,000,0004
Average earning assets$1,175,470,500,0004
Average equity$147,588,500,0003
Average total loans$606,304,000,0004
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2338%3,217
Cost of funding earning assets0.7249%1,648
Net interest margin3.5089%3,860
Noninterest income to average assets1.2542%884
Noninterest expense to average assets2.4089%5,047
Loan and lease loss provision to assets0.3621%863
Net operating income to assets1.0384%2,168
Return on assets (ROA)1.0748%2,105
Pretax return on assets1.5403%1,325
Return on Equity (ROE)9.6837%2,243
Retained earnings to average equity (ytd only)1.4221%5,183
Net charge-offs to loans1.6286%278
Credit loss provision to net charge-offs49.3596%3,834
Earnings coverage of net charge-offs (x)2.5323%4,167
Efficiency ratio55.2183%6,026
Assets per employee ($millions)7.3758%635
Cash dividends to net income (ytd only)*85.3147%762
Condition Ratios (%)
Loss allowance to loans2.5881%732
Loan loss allowance to noncurrent loans121.2189%3,135
Noncurrent assets plus other real estate owned to assets1.0241%3,379
Noncurrent loans to loans2.1351%1,841
Net loans and leases to total assets43.5652%5,710
Net loans and leases to deposits60.2190%4,920
Net loans and leases to core deposits165.9958%61
Total domestic deposits to total assets33.2724%6,764
Equity capital to assets10.8835%2,722
Core capital (leverage) ratio9.2344%4,666
Tier 1 risk-based capital ratio13.5302%4,635
Total risk-based capital ratio15.6164%3,983
Memoranda:
Average total assets$1,330,440,400,0003
Average earning assets$1,142,113,800,0004
Average equity$147,670,600,0003
Average total loans$599,228,200,0004
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2221%3,307
Cost of funding earning assets0.7459%1,630
Net interest margin3.4762%3,990
Noninterest income to average assets1.3071%872
Noninterest expense to average assets2.3894%5,054
Loan and lease loss provision to assets0.3628%876
Net operating income to assets1.0787%2,090
Return on assets (ROA)1.1134%2,027
Pretax return on assets1.5792%1,390
Return on Equity (ROE)9.9813%2,192
Retained earnings to average equity (ytd only)2.1277%5,041
Net charge-offs to loans1.7371%243
Credit loss provision to net charge-offs46.2873%3,592
Earnings coverage of net charge-offs (x)2.4180%4,025
Efficiency ratio54.5299%6,054
Assets per employee ($millions)7.2956%648
Cash dividends to net income (ytd only)*78.6832%829
Condition Ratios (%)
Loss allowance to loans2.7823%682
Loan loss allowance to noncurrent loans121.1336%2,995
Noncurrent assets plus other real estate owned to assets1.0924%3,474
Noncurrent loans to loans2.2969%1,912
Net loans and leases to total assets43.3463%5,785
Net loans and leases to deposits60.2982%4,938
Net loans and leases to core deposits166.7482%62
Total domestic deposits to total assets32.4687%6,843
Equity capital to assets10.9321%2,827
Core capital (leverage) ratio9.4900%4,424
Tier 1 risk-based capital ratio13.7026%4,627
Total risk-based capital ratio15.8094%3,991
Memoranda:
Average total assets$1,324,102,500,0003
Average earning assets$1,134,154,500,0004
Average equity$147,699,000,0003
Average total loans$597,448,750,0004
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2908%2,993
Cost of funding earning assets0.7665%1,609
Net interest margin3.5244%3,683
Noninterest income to average assets1.4268%776
Noninterest expense to average assets2.4271%4,972
Loan and lease loss provision to assets0.4069%757
Net operating income to assets1.1089%1,900
Return on assets (ROA)1.1477%1,874
Pretax return on assets1.6597%1,214
Return on Equity (ROE)10.2188%2,121
Retained earnings to average equity (ytd only)2.4978%4,709
Net charge-offs to loans1.9083%238
Credit loss provision to net charge-offs47.0702%3,271
Earnings coverage of net charge-offs (x)2.3239%3,749
Efficiency ratio53.4995%6,179
Assets per employee ($millions)7.0912%695
Cash dividends to net income (ytd only)*75.5567%1,018
Condition Ratios (%)
Loss allowance to loans2.9973%586
Loan loss allowance to noncurrent loans126.8416%2,891
Noncurrent assets plus other real estate owned to assets1.1308%3,480
Noncurrent loans to loans2.3631%1,999
Net loans and leases to total assets43.5931%5,778
Net loans and leases to deposits60.3053%4,942
Net loans and leases to core deposits167.0344%64
Total domestic deposits to total assets33.1402%6,895
Equity capital to assets11.0697%2,687
Core capital (leverage) ratio9.4055%4,384
Tier 1 risk-based capital ratio13.3330%4,895
Total risk-based capital ratio15.4349%4,260
Memoranda:
Average total assets$1,314,666,000,0003
Average earning assets$1,122,577,000,0004
Average equity$147,649,666,6703
Average total loans$595,599,333,3304
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4447%2,370
Cost of funding earning assets0.7974%1,541
Net interest margin3.6473%3,084
Noninterest income to average assets1.3330%867
Noninterest expense to average assets2.4461%4,962
Loan and lease loss provision to assets0.4718%581
Net operating income to assets1.0905%1,897
Return on assets (ROA)1.1547%1,761
Pretax return on assets1.6170%1,263
Return on Equity (ROE)10.2069%1,993
Retained earnings to average equity (ytd only)5.0778%3,187
Net charge-offs to loans1.9670%240
Credit loss provision to net charge-offs52.7304%2,561
Earnings coverage of net charge-offs (x)2.2276%3,097
Efficiency ratio53.8763%6,238
Assets per employee ($millions)6.8850%819
Cash dividends to net income (ytd only)*50.2513%1,565
Condition Ratios (%)
Loss allowance to loans3.2890%498
Loan loss allowance to noncurrent loans128.0161%2,724
Noncurrent assets plus other real estate owned to assets1.2351%3,502
Noncurrent loans to loans2.5692%2,010
Net loans and leases to total assets43.8080%5,684
Net loans and leases to deposits60.1948%4,771
Net loans and leases to core deposits161.1749%71
Total domestic deposits to total assets32.7871%6,967
Equity capital to assets11.3940%2,526
Core capital (leverage) ratio9.3944%4,254
Tier 1 risk-based capital ratio13.7473%4,694
Total risk-based capital ratio15.8970%4,034
Memoranda:
Average total assets$1,309,829,500,0003
Average earning assets$1,115,565,500,0004
Average equity$148,174,500,0002
Average total loans$595,819,000,0004
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6030%2,989
Cost of funding earning assets0.8693%2,143
Net interest margin3.7337%3,508
Noninterest income to average assets1.0863%1,314
Noninterest expense to average assets2.6040%4,730
Loan and lease loss provision to assets0.6397%838
Net operating income to assets0.7998%3,289
Return on assets (ROA)0.8920%3,092
Pretax return on assets1.1485%2,993
Return on Equity (ROE)7.7053%3,228
Retained earnings to average equity (ytd only)-4.6869%6,404
Net charge-offs to loans2.1630%319
Credit loss provision to net charge-offs65.6973%4,299
Earnings coverage of net charge-offs (x)1.7116%4,580
Efficiency ratio59.6776%5,592
Assets per employee ($millions)6.8319%840
Cash dividends to net income (ytd only)*160.8274%188
Condition Ratios (%)
Loss allowance to loans3.4859%431
Loan loss allowance to noncurrent loans128.0257%2,698
Noncurrent assets plus other real estate owned to assets1.3170%3,447
Noncurrent loans to loans2.7228%1,943
Net loans and leases to total assets44.0855%5,808
Net loans and leases to deposits61.5202%4,844
Net loans and leases to core deposits165.0751%68
Total domestic deposits to total assets31.6065%7,037
Equity capital to assets11.2315%2,703
Core capital (leverage) ratio8.9702%4,947
Tier 1 risk-based capital ratio14.2218%4,226
Total risk-based capital ratio16.4195%3,570
Memoranda:
Average total assets$1,327,901,613,6003
Average earning assets$1,132,482,250,0003
Average equity$153,725,215,8002
Average total loans$597,739,932,8004
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5978%3,209
Cost of funding earning assets0.8782%2,327
Net interest margin3.7196%3,708
Noninterest income to average assets1.0897%1,268
Noninterest expense to average assets2.4986%5,095
Loan and lease loss provision to assets0.6358%836
Net operating income to assets0.8917%3,029
Return on assets (ROA)0.9958%2,754
Pretax return on assets1.2767%2,680
Return on Equity (ROE)8.5393%3,025
Retained earnings to average equity (ytd only)1.9706%5,336
Net charge-offs to loans2.3023%285
Credit loss provision to net charge-offs61.5787%4,115
Earnings coverage of net charge-offs (x)1.7206%4,410
Efficiency ratio57.1412%5,902
Assets per employee ($millions)7.0576%723
Cash dividends to net income (ytd only)*76.9231%730
Condition Ratios (%)
Loss allowance to loans3.5662%438
Loan loss allowance to noncurrent loans124.4931%2,691
Noncurrent assets plus other real estate owned to assets1.3298%3,636
Noncurrent loans to loans2.8646%1,960
Net loans and leases to total assets42.3297%6,097
Net loans and leases to deposits59.2974%5,287
Net loans and leases to core deposits173.9287%64
Total domestic deposits to total assets29.3137%7,140
Equity capital to assets11.5234%2,720
Core capital (leverage) ratio9.7130%3,935
Tier 1 risk-based capital ratio15.3987%3,597
Total risk-based capital ratio16.6665%3,543
Memoranda:
Average total assets$1,331,526,767,0003
Average earning assets$1,140,353,000,0003
Average equity$155,278,019,7502
Average total loans$597,191,916,0004
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6587%3,102
Cost of funding earning assets0.9006%2,393
Net interest margin3.7581%3,550
Noninterest income to average assets1.0552%1,300
Noninterest expense to average assets2.4992%5,141
Loan and lease loss provision to assets0.6685%847
Net operating income to assets0.8148%3,329
Return on assets (ROA)0.9102%3,125
Pretax return on assets1.2377%2,773
Return on Equity (ROE)7.7734%3,360
Retained earnings to average equity (ytd only)1.4993%5,452
Net charge-offs to loans2.2162%343
Credit loss provision to net charge-offs66.7625%3,643
Earnings coverage of net charge-offs (x)1.7719%4,096
Efficiency ratio57.1586%5,972
Assets per employee ($millions)6.9820%732
Cash dividends to net income (ytd only)*80.7123%778
Condition Ratios (%)
Loss allowance to loans3.8615%380
Loan loss allowance to noncurrent loans141.0462%2,362
Noncurrent assets plus other real estate owned to assets1.2871%3,852
Noncurrent loans to loans2.7378%2,195
Net loans and leases to total assets42.5843%6,143
Net loans and leases to deposits60.3854%5,209
Net loans and leases to core deposits184.9032%60
Total domestic deposits to total assets28.6494%7,208
Equity capital to assets11.4804%2,615
Core capital (leverage) ratio9.9386%3,501
Tier 1 risk-based capital ratio15.2407%3,606
Total risk-based capital ratio16.5115%3,564
Memoranda:
Average total assets$1,320,360,356,0003
Average earning assets$1,130,626,000,0003
Average equity$154,605,026,3302
Average total loans$596,529,221,3304
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8012%2,635
Cost of funding earning assets0.9261%2,471
Net interest margin3.8752%3,029
Noninterest income to average assets1.0476%1,317
Noninterest expense to average assets2.5005%5,148
Loan and lease loss provision to assets0.7014%746
Net operating income to assets0.8313%3,243
Return on assets (ROA)0.9882%2,721
Pretax return on assets1.3779%2,254
Return on Equity (ROE)8.3552%3,118
Retained earnings to average equity (ytd only)4.4727%3,906
Net charge-offs to loans2.3009%374
Credit loss provision to net charge-offs66.7930%2,980
Earnings coverage of net charge-offs (x)1.7688%3,453
Efficiency ratio56.0590%6,113
Assets per employee ($millions)6.7384%865
Cash dividends to net income (ytd only)*46.4684%1,562
Condition Ratios (%)
Loss allowance to loans4.1214%334
Loan loss allowance to noncurrent loans140.1200%2,299
Noncurrent assets plus other real estate owned to assets1.3975%3,772
Noncurrent loans to loans2.9413%2,191
Net loans and leases to total assets43.0390%6,099
Net loans and leases to deposits61.6243%4,970
Net loans and leases to core deposits182.8766%63
Total domestic deposits to total assets27.4315%7,273
Equity capital to assets11.8845%2,124
Core capital (leverage) ratio10.0590%3,301
Tier 1 risk-based capital ratio15.5393%3,425
Total risk-based capital ratio16.8128%3,378
Memoranda:
Average total assets$1,306,620,034,0003
Average earning assets$1,116,127,000,0003
Average equity$154,539,039,5002
Average total loans$596,282,332,0004
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9712%3,018
Cost of funding earning assets1.0261%3,187
Net interest margin3.9451%3,136
Noninterest income to average assets1.3337%728
Noninterest expense to average assets2.7226%4,655
Loan and lease loss provision to assets0.7376%1,376
Net operating income to assets0.9316%2,478
Return on assets (ROA)0.8056%3,175
Pretax return on assets1.0289%3,127
Return on Equity (ROE)6.8785%3,452
Retained earnings to average equity (ytd only)-0.2559%5,898
Net charge-offs to loans2.9621%331
Credit loss provision to net charge-offs54.5336%5,308
Earnings coverage of net charge-offs (x)1.4273%4,698
Efficiency ratio57.2226%6,164
Assets per employee ($millions)6.4662%973
Cash dividends to net income (ytd only)*103.7206%284
Condition Ratios (%)
Loss allowance to loans4.1618%337
Loan loss allowance to noncurrent loans146.9328%2,164
Noncurrent assets plus other real estate owned to assets1.3855%3,922
Noncurrent loans to loans2.8325%2,316
Net loans and leases to total assets44.1293%6,201
Net loans and leases to deposits64.4362%4,949
Net loans and leases to core deposits188.4318%68
Total domestic deposits to total assets27.3970%7,317
Equity capital to assets11.7762%2,284
Core capital (leverage) ratio9.6608%3,795
Tier 1 risk-based capital ratio14.7044%3,828
Total risk-based capital ratio16.2033%3,624
Memoranda:
Average total assets$1,304,553,264,0003
Average earning assets$1,097,723,903,8003
Average equity$152,779,880,4002
Average total loans$595,735,048,4003
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9806%3,184
Cost of funding earning assets1.0647%3,215
Net interest margin3.9160%3,303
Noninterest income to average assets1.4518%622
Noninterest expense to average assets2.6473%4,916
Loan and lease loss provision to assets0.7411%1,290
Net operating income to assets1.0371%2,184
Return on assets (ROA)0.8673%3,017
Pretax return on assets1.1331%2,882
Return on Equity (ROE)7.4159%3,320
Retained earnings to average equity (ytd only)-0.5123%6,074
Net charge-offs to loans3.1635%286
Credit loss provision to net charge-offs51.4029%5,005
Earnings coverage of net charge-offs (x)1.4581%4,540
Efficiency ratio54.4688%6,442
Assets per employee ($millions)6.4954%948
Cash dividends to net income (ytd only)*106.9079%248
Condition Ratios (%)
Loss allowance to loans4.4821%269
Loan loss allowance to noncurrent loans152.3740%2,003
Noncurrent assets plus other real estate owned to assets1.4496%3,944
Noncurrent loans to loans2.9415%2,368
Net loans and leases to total assets42.5393%6,461
Net loans and leases to deposits63.5493%5,232
Net loans and leases to core deposits196.1879%67
Total domestic deposits to total assets25.3941%7,394
Equity capital to assets11.6872%2,509
Core capital (leverage) ratio9.5461%4,086
Tier 1 risk-based capital ratio14.9683%3,675
Total risk-based capital ratio16.5224%3,472
Memoranda:
Average total assets$1,308,527,080,0003
Average earning assets$1,101,923,879,7503
Average equity$153,036,100,5002
Average total loans$596,326,060,5003
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9786%6,697
Cost of funding earning assets1.0560%3,562
Net interest margin2.9226%6,749
Noninterest income to average assets1.4497%606
Noninterest expense to average assets2.5271%5,437
Loan and lease loss provision to assets0.5195%1,887
Net operating income to assets0.7649%3,224
Return on assets (ROA)0.3165%5,440
Pretax return on assets0.3471%5,555
Return on Equity (ROE)2.8980%5,434
Retained earnings to average equity (ytd only)-6.2797%6,674
Net charge-offs to loans2.4198%505
Credit loss provision to net charge-offs53.4242%4,500
Earnings coverage of net charge-offs (x)1.4067%4,227
Efficiency ratio64.4103%5,167
Assets per employee ($millions)6.9332%754
Cash dividends to net income (ytd only)*316.6935%43
Condition Ratios (%)
Loss allowance to loans3.1292%806
Loan loss allowance to noncurrent loans100.4030%2,863
Noncurrent assets plus other real estate owned to assets1.4614%4,027
Noncurrent loans to loans3.1167%2,315
Net loans and leases to total assets40.5826%6,699
Net loans and leases to deposits57.3254%6,017
Net loans and leases to core deposits185.3831%83
Total domestic deposits to total assets25.8548%7,464
Equity capital to assets10.5111%3,489
Core capital (leverage) ratio8.6331%5,339
Tier 1 risk-based capital ratio14.1794%4,033
Total risk-based capital ratio16.0502%3,587
Memoranda:
Average total assets$1,177,314,333,3303
Average earning assets$985,024,666,6703
Average equity$128,572,666,6702
Average total loans$473,097,000,0004
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9985%6,702
Cost of funding earning assets1.0273%4,009
Net interest margin2.9712%6,631
Noninterest income to average assets1.4627%598
Noninterest expense to average assets2.4708%5,665
Loan and lease loss provision to assets0.4198%2,090
Net operating income to assets0.8560%2,749
Return on assets (ROA)0.5103%4,530
Pretax return on assets0.6277%4,577
Return on Equity (ROE)4.5821%4,606
Retained earnings to average equity (ytd only)4.5821%3,430
Net charge-offs to loans3.0022%362
Credit loss provision to net charge-offs35.5888%4,029
Earnings coverage of net charge-offs (x)1.2513%3,732
Efficiency ratio62.0711%5,668
Assets per employee ($millions)6.7240%835
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.6057%558
Loan loss allowance to noncurrent loans91.5611%3,126
Noncurrent assets plus other real estate owned to assets1.7048%3,693
Noncurrent loans to loans3.9380%1,861
Net loans and leases to total assets37.6140%6,924
Net loans and leases to deposits54.6603%6,240
Net loans and leases to core deposits183.7073%90
Total domestic deposits to total assets22.0839%7,529
Equity capital to assets11.2611%2,443
Core capital (leverage) ratio9.3558%4,041
Tier 1 risk-based capital ratio15.2276%3,303
Total risk-based capital ratio17.1127%2,937
Memoranda:
Average total assets$1,157,826,000,0003
Average earning assets$967,953,500,0003
Average equity$128,936,000,0002
Average total loans$454,871,500,0004
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1760%6,962
Cost of funding earning assets1.0825%5,241
Net interest margin3.0935%6,537
Noninterest income to average assets1.3278%832
Noninterest expense to average assets2.3098%6,331
Loan and lease loss provision to assets0.7825%2,085
Net operating income to assets0.6618%3,384
Return on assets (ROA)0.6751%3,462
Pretax return on assets0.8421%3,492
Return on Equity (ROE)6.4657%3,366
Retained earnings to average equity (ytd only)6.4657%1,572
Net charge-offs to loans2.7988%628
Credit loss provision to net charge-offs67.2170%5,926
Earnings coverage of net charge-offs (x)1.3751%4,732
Efficiency ratio58.5707%6,269
Assets per employee ($millions)6.7054%860
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans4.0447%385
Loan loss allowance to noncurrent loans82.0500%3,449
Noncurrent assets plus other real estate owned to assets2.2086%3,083
Noncurrent loans to loans4.9296%1,375
Net loans and leases to total assets37.9541%7,073
Net loans and leases to deposits55.1879%6,506
Net loans and leases to core deposits186.2972%95
Total domestic deposits to total assets22.2171%7,605
Equity capital to assets11.0102%2,678
Core capital (leverage) ratio8.8789%4,730
Tier 1 risk-based capital ratio15.1677%3,163
Total risk-based capital ratio17.0639%2,801
Memoranda:
Average total assets$1,170,769,200,0003
Average earning assets$977,500,600,0003
Average equity$122,244,200,0004
Average total loans$486,959,600,0004
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2031%7,085
Cost of funding earning assets1.0697%5,594
Net interest margin3.1333%6,526
Noninterest income to average assets1.4559%639
Noninterest expense to average assets2.2846%6,376
Loan and lease loss provision to assets0.8451%1,798
Net operating income to assets0.7230%3,308
Return on assets (ROA)0.7284%3,444
Pretax return on assets0.9618%3,322
Return on Equity (ROE)7.0712%3,312
Retained earnings to average equity (ytd only)7.0712%1,804
Net charge-offs to loans2.8089%581
Credit loss provision to net charge-offs71.4752%5,374
Earnings coverage of net charge-offs (x)1.5110%4,594
Efficiency ratio55.6293%6,609
Assets per employee ($millions)7.1551%722
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.0822%342
Loan loss allowance to noncurrent loans75.9286%3,537
Noncurrent assets plus other real estate owned to assets2.4316%2,941
Noncurrent loans to loans5.3764%1,253
Net loans and leases to total assets38.7672%7,144
Net loans and leases to deposits58.7923%6,400
Net loans and leases to core deposits204.4579%87
Total domestic deposits to total assets21.2037%7,711
Equity capital to assets10.4414%3,583
Core capital (leverage) ratio9.0424%4,613
Tier 1 risk-based capital ratio14.6426%3,432
Total risk-based capital ratio16.5182%3,082
Memoranda:
Average total assets$1,174,888,250,0003
Average earning assets$980,658,000,0003
Average equity$121,032,750,0004
Average total loans$494,557,250,0004
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3144%7,024
Cost of funding earning assets1.1066%5,637
Net interest margin3.2077%6,293
Noninterest income to average assets1.6051%505
Noninterest expense to average assets2.2542%6,499
Loan and lease loss provision to assets0.9037%1,614
Net operating income to assets0.8535%2,714
Return on assets (ROA)0.8458%2,902
Pretax return on assets1.1239%2,695
Return on Equity (ROE)8.2488%2,788
Retained earnings to average equity (ytd only)8.2488%1,352
Net charge-offs to loans2.7968%586
Credit loss provision to net charge-offs75.7165%4,821
Earnings coverage of net charge-offs (x)1.7052%4,228
Efficiency ratio52.0640%7,061
Assets per employee ($millions)6.8694%810
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans4.2387%307
Loan loss allowance to noncurrent loans74.3623%3,633
Noncurrent assets plus other real estate owned to assets2.6986%2,682
Noncurrent loans to loans5.7000%1,143
Net loans and leases to total assets40.7252%7,120
Net loans and leases to deposits61.1274%6,295
Net loans and leases to core deposits210.2647%84
Total domestic deposits to total assets21.9828%7,779
Equity capital to assets10.5018%3,405
Core capital (leverage) ratio8.8967%4,755
Tier 1 risk-based capital ratio14.1570%3,627
Total risk-based capital ratio16.0358%3,240
Memoranda:
Average total assets$1,163,444,000,0003
Average earning assets$973,580,000,0003
Average equity$119,290,666,6704
Average total loans$496,499,000,0004
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3233%7,096
Cost of funding earning assets1.0834%5,978
Net interest margin3.2399%6,166
Noninterest income to average assets1.6504%466
Noninterest expense to average assets2.2754%6,465
Loan and lease loss provision to assets1.1185%1,095
Net operating income to assets0.7497%3,214
Return on assets (ROA)0.7518%3,303
Pretax return on assets0.9816%3,157
Return on Equity (ROE)7.4219%3,151
Retained earnings to average equity (ytd only)7.4219%1,962
Net charge-offs to loans2.9887%516
Credit loss provision to net charge-offs87.5436%3,711
Earnings coverage of net charge-offs (x)1.6400%3,750
Efficiency ratio51.5813%7,187
Assets per employee ($millions)7.0200%806
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.3891%277
Loan loss allowance to noncurrent loans73.7376%3,683
Noncurrent assets plus other real estate owned to assets2.8591%2,528
Noncurrent loans to loans5.9523%1,110
Net loans and leases to total assets41.6149%7,148
Net loans and leases to deposits63.6699%6,085
Net loans and leases to core deposits217.4078%88
Total domestic deposits to total assets21.3622%7,881
Equity capital to assets10.2191%3,577
Core capital (leverage) ratio8.5089%5,356
Tier 1 risk-based capital ratio13.5986%3,928
Total risk-based capital ratio15.4820%3,489
Memoranda:
Average total assets$1,166,227,500,0003
Average earning assets$979,166,000,0003
Average equity$118,137,000,0004
Average total loans$498,538,500,0004
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7449%7,062
Cost of funding earning assets1.3222%6,235
Net interest margin3.4227%5,278
Noninterest income to average assets1.0273%1,480
Noninterest expense to average assets2.3883%6,500
Loan and lease loss provision to assets2.0476%1,045
Net operating income to assets-0.1875%5,830
Return on assets (ROA)-0.2374%5,881
Pretax return on assets-0.6756%6,164
Return on Equity (ROE)-2.6273%5,939
Retained earnings to average equity (ytd only)-2.6273%5,635
Net charge-offs to loans3.7826%471
Credit loss provision to net charge-offs120.4428%4,443
Earnings coverage of net charge-offs (x)0.8504%5,260
Efficiency ratio61.5683%6,228
Assets per employee ($millions)7.1003%767
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans4.6547%218
Loan loss allowance to noncurrent loans67.9924%4,014
Noncurrent assets plus other real estate owned to assets3.1400%2,198
Noncurrent loans to loans6.8459%842
Net loans and leases to total assets40.0108%7,350
Net loans and leases to deposits60.2183%6,617
Net loans and leases to core deposits211.6784%77
Total domestic deposits to total assets21.7743%7,959
Equity capital to assets10.0399%3,704
Core capital (leverage) ratio8.3139%5,586
Tier 1 risk-based capital ratio13.1574%4,040
Total risk-based capital ratio15.0315%3,579
Memoranda:
Average total assets$1,176,823,200,0003
Average earning assets$965,000,200,0003
Average equity$106,345,000,0003
Average total loans$528,916,600,0003
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8565%6,994
Cost of funding earning assets1.4689%5,960
Net interest margin3.3875%5,322
Noninterest income to average assets1.1212%1,259
Noninterest expense to average assets2.2736%6,772
Loan and lease loss provision to assets2.2458%765
Net operating income to assets-0.2267%6,106
Return on assets (ROA)-0.2563%6,157
Pretax return on assets-0.6776%6,464
Return on Equity (ROE)-2.9163%6,235
Retained earnings to average equity (ytd only)-2.9163%5,922
Net charge-offs to loans3.6166%409
Credit loss provision to net charge-offs135.9423%3,653
Earnings coverage of net charge-offs (x)0.9748%5,083
Efficiency ratio57.7933%6,749
Assets per employee ($millions)7.1585%731
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans4.5058%208
Loan loss allowance to noncurrent loans66.0665%4,008
Noncurrent assets plus other real estate owned to assets3.1816%2,131
Noncurrent loans to loans6.8200%808
Net loans and leases to total assets41.6089%7,386
Net loans and leases to deposits62.8397%6,601
Net loans and leases to core deposits214.5302%76
Total domestic deposits to total assets22.6861%8,040
Equity capital to assets9.6580%4,547
Core capital (leverage) ratio8.3741%5,702
Tier 1 risk-based capital ratio15.1570%2,975
Total risk-based capital ratio17.5259%2,463
Memoranda:
Average total assets$1,180,688,750,0003
Average earning assets$962,955,000,0003
Average equity$103,781,500,0003
Average total loans$539,307,000,0003
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0295%6,674
Cost of funding earning assets1.5668%5,855
Net interest margin3.4627%4,956
Noninterest income to average assets1.2270%1,029
Noninterest expense to average assets2.2631%6,876
Loan and lease loss provision to assets2.4397%646
Net operating income to assets-0.2348%6,236
Return on assets (ROA)-0.2506%6,277
Pretax return on assets-0.6920%6,592
Return on Equity (ROE)-2.9490%6,357
Retained earnings to average equity (ytd only)-2.9490%5,965
Net charge-offs to loans3.6213%421
Credit loss provision to net charge-offs145.2470%3,187
Earnings coverage of net charge-offs (x)1.0522%4,735
Efficiency ratio55.4077%7,180
Assets per employee ($millions)6.9591%781
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans4.2470%214
Loan loss allowance to noncurrent loans74.1301%3,751
Noncurrent assets plus other real estate owned to assets2.8365%2,261
Noncurrent loans to loans5.7291%982
Net loans and leases to total assets44.2659%7,308
Net loans and leases to deposits68.2359%6,163
Net loans and leases to core deposits228.1704%72
Total domestic deposits to total assets22.5304%8,126
Equity capital to assets9.4242%4,711
Core capital (leverage) ratio8.2294%5,925
Tier 1 risk-based capital ratio14.5814%3,200
Total risk-based capital ratio17.3978%2,520
Memoranda:
Average total assets$1,178,667,000,0003
Average earning assets$954,284,666,6703
Average equity$100,169,666,6703
Average total loans$546,711,333,3303
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1328%6,555
Cost of funding earning assets1.6075%6,004
Net interest margin3.5253%4,629
Noninterest income to average assets1.8476%407
Noninterest expense to average assets2.1500%7,009
Loan and lease loss provision to assets2.0359%590
Net operating income to assets0.5160%4,354
Return on assets (ROA)0.4961%4,626
Pretax return on assets0.4606%5,206
Return on Equity (ROE)6.1674%3,973
Retained earnings to average equity (ytd only)6.1674%2,558
Net charge-offs to loans3.3863%365
Credit loss provision to net charge-offs129.4080%3,101
Earnings coverage of net charge-offs (x)1.5995%3,928
Efficiency ratio45.5959%7,860
Assets per employee ($millions)6.6293%902
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.6128%293
Loan loss allowance to noncurrent loans68.6560%4,151
Noncurrent assets plus other real estate owned to assets2.6769%2,133
Noncurrent loans to loans5.2622%1,009
Net loans and leases to total assets45.3584%7,235
Net loans and leases to deposits72.8698%5,632
Net loans and leases to core deposits244.7292%74
Total domestic deposits to total assets21.5599%8,184
Equity capital to assets9.5597%4,590
Core capital (leverage) ratio8.3792%5,760
Tier 1 risk-based capital ratio14.6442%3,234
Total risk-based capital ratio18.1873%2,292
Memoranda:
Average total assets$1,185,300,500,0003
Average earning assets$947,781,000,0003
Average equity$95,339,500,0003
Average total loans$550,689,000,0003
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3136%3,889
Cost of funding earning assets2.7010%3,149
Net interest margin3.6126%4,824
Noninterest income to average assets0.4786%4,811
Noninterest expense to average assets3.0245%3,988
Loan and lease loss provision to assets1.6782%773
Net operating income to assets-0.7106%7,072
Return on assets (ROA)-0.5007%6,804
Pretax return on assets-1.1502%7,089
Return on Equity (ROE)-6.7080%7,019
Retained earnings to average equity (ytd only)-6.7080%6,752
Net charge-offs to loans1.7694%619
Credit loss provision to net charge-offs182.1935%2,741
Earnings coverage of net charge-offs (x)0.4051%5,991
Efficiency ratio76.9063%3,094
Assets per employee ($millions)6.9717%716
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans3.2443%353
Loan loss allowance to noncurrent loans73.7856%4,386
Noncurrent assets plus other real estate owned to assets2.2432%2,171
Noncurrent loans to loans4.3969%1,086
Net loans and leases to total assets44.4127%7,443
Net loans and leases to deposits72.1519%6,044
Net loans and leases to core deposits274.0899%57
Total domestic deposits to total assets19.6037%8,239
Equity capital to assets6.6304%7,892
Core capital (leverage) ratio5.8195%8,128
Tier 1 risk-based capital ratio9.9435%6,803
Total risk-based capital ratio15.1800%3,500
Memoranda:
Average total assets$1,241,342,000,0003
Average earning assets$1,003,003,600,0003
Average equity$92,650,200,0003
Average total loans$646,219,800,0002