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Citizens Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1674%1,054
Cost of funding earning assets0.0948%4,421
Net interest margin4.0727%622
Noninterest income to average assets0.3286%3,448
Noninterest expense to average assets2.1433%3,259
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.8203%488
Return on assets (ROA)1.8187%510
Pretax return on assets1.8187%876
Return on Equity (ROE)14.2471%1,114
Retained earnings to average equity (ytd only)3.7101%3,335
Net charge-offs to loans0.0014%2,614
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)2,260.0000%62
Efficiency ratio54.0744%3,921
Assets per employee ($millions)5.5192%3,242
Cash dividends to net income (ytd only)*73.9593%629
Condition Ratios (%)
Loss allowance to loans1.6473%1,160
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets51.3385%3,135
Net loans and leases to deposits58.3882%3,218
Net loans and leases to core deposits66.0210%2,817
Total domestic deposits to total assets87.9262%2,084
Equity capital to assets11.9825%1,258
Core capital (leverage) ratio8.6322%3,793
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$124,155,2003,756
Average earning assets$110,812,0003,802
Average equity$15,848,8003,555
Average total loans$73,788,4003,587
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1267%1,244
Cost of funding earning assets0.1030%4,473
Net interest margin4.0238%757
Noninterest income to average assets0.3418%3,404
Noninterest expense to average assets2.1821%3,129
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.7453%746
Return on assets (ROA)1.7431%783
Pretax return on assets1.7431%1,297
Return on Equity (ROE)13.4315%1,563
Retained earnings to average equity (ytd only)4.8474%3,275
Net charge-offs to loans-0.0018%3,197
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5617%3,585
Assets per employee ($millions)5.2634%3,440
Cash dividends to net income (ytd only)*63.9098%740
Condition Ratios (%)
Loss allowance to loans1.6691%1,177
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets53.2121%3,056
Net loans and leases to deposits61.3180%3,109
Net loans and leases to core deposits69.8253%2,612
Total domestic deposits to total assets86.7805%2,439
Equity capital to assets12.7105%1,086
Core capital (leverage) ratio9.1467%3,386
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$122,079,0003,823
Average earning assets$108,784,2503,866
Average equity$15,843,0003,599
Average total loans$74,950,0003,611
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9880%1,590
Cost of funding earning assets0.1136%4,479
Net interest margin3.8745%1,016
Noninterest income to average assets0.3564%3,333
Noninterest expense to average assets2.1846%3,140
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.6210%1,006
Return on assets (ROA)1.6210%1,062
Pretax return on assets1.6210%1,680
Return on Equity (ROE)12.4017%1,911
Retained earnings to average equity (ytd only)7.0758%2,402
Net charge-offs to loans-0.0026%3,252
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4042%3,352
Assets per employee ($millions)5.6467%2,965
Cash dividends to net income (ytd only)*42.9448%1,475
Condition Ratios (%)
Loss allowance to loans1.4824%1,652
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets61.0410%2,299
Net loans and leases to deposits70.5179%2,358
Net loans and leases to core deposits80.5913%1,838
Total domestic deposits to total assets86.5610%2,527
Equity capital to assets12.9061%974
Core capital (leverage) ratio9.1079%3,340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$120,665,0003,845
Average earning assets$107,421,3333,900
Average equity$15,772,0003,606
Average total loans$77,147,0003,600
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9079%1,815
Cost of funding earning assets0.1285%4,469
Net interest margin3.7794%1,183
Noninterest income to average assets0.3600%3,286
Noninterest expense to average assets2.1500%3,272
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.5747%1,170
Return on assets (ROA)1.5747%1,228
Pretax return on assets1.5747%1,788
Return on Equity (ROE)11.9682%2,028
Retained earnings to average equity (ytd only)1.2275%4,172
Net charge-offs to loans-0.0052%3,409
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7236%3,342
Assets per employee ($millions)5.4892%3,127
Cash dividends to net income (ytd only)*89.7436%505
Condition Ratios (%)
Loss allowance to loans1.4683%1,707
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets63.4057%2,114
Net loans and leases to deposits73.1404%2,201
Net loans and leases to core deposits84.3830%1,646
Total domestic deposits to total assets86.6903%2,446
Equity capital to assets12.8832%952
Core capital (leverage) ratio9.0004%3,606
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$118,883,5003,877
Average earning assets$105,838,0003,922
Average equity$15,641,5003,623
Average total loans$77,235,0003,615
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9992%488
Cost of funding earning assets0.2771%4,261
Net interest margin4.7221%208
Noninterest income to average assets0.3140%3,589
Noninterest expense to average assets2.3283%3,331
Loan and lease loss provision to assets0.0438%3,852
Net operating income to assets2.1117%215
Return on assets (ROA)2.2608%184
Pretax return on assets2.2608%271
Return on Equity (ROE)17.0695%403
Retained earnings to average equity (ytd only)3.0987%3,294
Net charge-offs to loans0.0758%1,725
Credit loss provision to net charge-offs83.3333%2,965
Earnings coverage of net charge-offs (x)40.9667%1,369
Efficiency ratio51.9265%4,389
Assets per employee ($millions)5.0872%3,297
Cash dividends to net income (ytd only)*81.8464%590
Condition Ratios (%)
Loss allowance to loans1.4852%1,635
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets64.6289%2,280
Net loans and leases to deposits74.7800%2,400
Net loans and leases to core deposits86.6187%1,818
Total domestic deposits to total assets86.4254%2,181
Equity capital to assets13.4396%949
Core capital (leverage) ratio9.0189%3,663
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$114,029,4003,823
Average earning assets$100,696,4003,884
Average equity$15,103,0003,641
Average total loans$79,157,8003,566
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7038%1,058
Cost of funding earning assets0.3176%4,229
Net interest margin4.3863%485
Noninterest income to average assets0.3084%3,646
Noninterest expense to average assets2.3492%3,287
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.8278%425
Return on assets (ROA)2.0279%302
Pretax return on assets2.0279%493
Return on Equity (ROE)15.3690%635
Retained earnings to average equity (ytd only)4.5759%2,760
Net charge-offs to loans0.0318%2,195
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)81.7368%910
Efficiency ratio56.2412%3,891
Assets per employee ($millions)5.1253%3,086
Cash dividends to net income (ytd only)*70.2263%814
Condition Ratios (%)
Loss allowance to loans1.2740%2,274
Loan loss allowance to noncurrent loans2,308.1633%307
Noncurrent assets plus other real estate owned to assets0.0398%4,252
Noncurrent loans to loans0.0552%4,152
Net loans and leases to total assets71.2526%1,780
Net loans and leases to deposits88.1457%1,468
Net loans and leases to core deposits102.9700%986
Total domestic deposits to total assets80.8351%3,697
Equity capital to assets12.8262%1,262
Core capital (leverage) ratio9.0019%3,759
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$113,285,5003,824
Average earning assets$99,915,7503,893
Average equity$14,947,5003,660
Average total loans$79,757,5003,576
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7739%1,230
Cost of funding earning assets0.3768%4,141
Net interest margin4.3972%621
Noninterest income to average assets0.3181%3,562
Noninterest expense to average assets2.3899%3,281
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets1.7884%513
Return on assets (ROA)2.1010%296
Pretax return on assets2.1010%440
Return on Equity (ROE)15.7590%609
Retained earnings to average equity (ytd only)5.5347%2,263
Net charge-offs to loans-0.0026%3,864
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.1988%3,788
Assets per employee ($millions)4.9149%3,283
Cash dividends to net income (ytd only)*64.8789%1,090
Condition Ratios (%)
Loss allowance to loans1.3659%1,708
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets70.4607%1,960
Net loans and leases to deposits87.7980%1,579
Net loans and leases to core deposits103.8471%1,014
Total domestic deposits to total assets80.2531%3,785
Equity capital to assets13.1589%1,093
Core capital (leverage) ratio9.1727%3,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$110,045,3333,866
Average earning assets$96,607,6673,932
Average equity$14,671,0003,690
Average total loans$76,751,3333,633
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9377%1,095
Cost of funding earning assets0.4877%4,000
Net interest margin4.4500%563
Noninterest income to average assets0.3544%3,398
Noninterest expense to average assets2.4885%3,304
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.7532%451
Return on assets (ROA)2.4018%141
Pretax return on assets2.4018%200
Return on Equity (ROE)17.8864%279
Retained earnings to average equity (ytd only)3.8468%2,737
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6667%3,917
Assets per employee ($millions)4.1999%3,662
Cash dividends to net income (ytd only)*78.4929%1,057
Condition Ratios (%)
Loss allowance to loans1.5800%1,121
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets68.2232%2,507
Net loans and leases to deposits82.4676%2,392
Net loans and leases to core deposits97.9731%1,627
Total domestic deposits to total assets82.7273%3,196
Equity capital to assets13.1355%1,369
Core capital (leverage) ratio9.9605%3,505
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$106,089,0003,901
Average earning assets$92,674,5003,991
Average equity$14,245,5003,743
Average total loans$72,994,5003,703
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0928%1,228
Cost of funding earning assets0.6485%3,418
Net interest margin4.4443%814
Noninterest income to average assets0.4701%2,903
Noninterest expense to average assets2.3797%3,734
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.9798%373
Return on assets (ROA)2.0678%307
Pretax return on assets2.0678%517
Return on Equity (ROE)15.4244%620
Retained earnings to average equity (ytd only)1.5927%4,168
Net charge-offs to loans-0.0014%4,192
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5865%4,362
Assets per employee ($millions)4.4658%3,280
Cash dividends to net income (ytd only)*89.6739%530
Condition Ratios (%)
Loss allowance to loans1.5709%1,047
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets67.2290%2,795
Net loans and leases to deposits82.5091%2,497
Net loans and leases to core deposits98.5368%1,692
Total domestic deposits to total assets81.4807%3,653
Equity capital to assets13.7143%1,204
Core capital (leverage) ratio9.4571%4,104
Tier 1 risk-based capital ratio12.3465%4,164
Total risk-based capital ratio13.5984%4,026
Memoranda:
Average total assets$106,779,8003,884
Average earning assets$93,446,4003,981
Average equity$14,315,0003,711
Average total loans$73,609,0003,709
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0720%1,352
Cost of funding earning assets0.6783%3,322
Net interest margin4.3937%959
Noninterest income to average assets0.4424%3,064
Noninterest expense to average assets2.3684%3,769
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.9197%471
Return on assets (ROA)2.0372%385
Pretax return on assets2.0372%638
Return on Equity (ROE)15.2843%719
Retained earnings to average equity (ytd only)2.3443%4,160
Net charge-offs to loans0.0036%3,284
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)767.0225%125
Efficiency ratio55.2317%4,253
Assets per employee ($millions)4.8583%2,722
Cash dividends to net income (ytd only)*84.6624%549
Condition Ratios (%)
Loss allowance to loans1.5115%1,215
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets69.9269%2,489
Net loans and leases to deposits85.1544%2,304
Net loans and leases to core deposits101.2833%1,563
Total domestic deposits to total assets82.1178%3,445
Equity capital to assets13.7122%1,266
Core capital (leverage) ratio9.6277%4,044
Tier 1 risk-based capital ratio12.0605%4,392
Total risk-based capital ratio13.3123%4,282
Memoranda:
Average total assets$106,679,7503,920
Average earning assets$93,372,7504,026
Average equity$14,219,0003,751
Average total loans$73,709,7503,745
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0176%1,432
Cost of funding earning assets0.7082%3,122
Net interest margin4.3094%1,123
Noninterest income to average assets0.3864%3,358
Noninterest expense to average assets2.3712%3,816
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.7822%620
Return on assets (ROA)1.9641%434
Pretax return on assets1.9641%730
Return on Equity (ROE)14.8792%786
Retained earnings to average equity (ytd only)3.7944%3,353
Net charge-offs to loans0.0055%2,956
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)475.0000%161
Efficiency ratio57.0912%4,117
Assets per employee ($millions)4.7325%2,829
Cash dividends to net income (ytd only)*74.4986%962
Condition Ratios (%)
Loss allowance to loans1.5455%1,147
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets67.1300%2,947
Net loans and leases to deposits83.0462%2,600
Net loans and leases to core deposits99.6699%1,753
Total domestic deposits to total assets80.8346%3,867
Equity capital to assets13.3665%1,396
Core capital (leverage) ratio9.6162%4,018
Tier 1 risk-based capital ratio12.1498%4,331
Total risk-based capital ratio13.4016%4,221
Memoranda:
Average total assets$106,612,0003,946
Average earning assets$93,192,6704,053
Average equity$14,073,3303,777
Average total loans$72,984,0003,781
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9832%1,372
Cost of funding earning assets0.7001%3,057
Net interest margin4.2831%1,126
Noninterest income to average assets0.4019%3,167
Noninterest expense to average assets2.4077%3,754
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.7290%694
Return on assets (ROA)1.7290%719
Pretax return on assets1.7290%1,145
Return on Equity (ROE)13.1835%1,159
Retained earnings to average equity (ytd only)0.1735%4,488
Net charge-offs to loans0.0221%2,009
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)114.0000%611
Efficiency ratio58.2035%4,053
Assets per employee ($millions)4.6391%2,991
Cash dividends to net income (ytd only)*98.6842%643
Condition Ratios (%)
Loss allowance to loans1.5708%1,126
Loan loss allowance to noncurrent loans3,693.5484%186
Noncurrent assets plus other real estate owned to assets0.0291%4,703
Noncurrent loans to loans0.0425%4,572
Net loans and leases to total assets67.2418%2,871
Net loans and leases to deposits83.3686%2,459
Net loans and leases to core deposits99.6126%1,655
Total domestic deposits to total assets80.6560%4,035
Equity capital to assets13.0937%1,397
Core capital (leverage) ratio9.5320%4,092
Tier 1 risk-based capital ratio11.9257%4,502
Total risk-based capital ratio13.1777%4,398
Memoranda:
Average total assets$105,494,5004,014
Average earning assets$91,989,0004,111
Average equity$13,835,5003,828
Average total loans$72,368,0003,832
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9511%1,156
Cost of funding earning assets0.4494%3,687
Net interest margin4.5017%760
Noninterest income to average assets0.4385%3,182
Noninterest expense to average assets2.4603%3,727
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.8983%446
Return on assets (ROA)1.8964%445
Pretax return on assets1.8964%725
Return on Equity (ROE)14.6167%918
Retained earnings to average equity (ytd only)0.0436%4,976
Net charge-offs to loans0.0054%3,517
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)503.2500%209
Efficiency ratio56.4474%4,351
Assets per employee ($millions)4.5343%3,114
Cash dividends to net income (ytd only)*99.7016%252
Condition Ratios (%)
Loss allowance to loans1.5993%1,032
Loan loss allowance to noncurrent loans3,706.4516%214
Noncurrent assets plus other real estate owned to assets0.0297%4,712
Noncurrent loans to loans0.0431%4,561
Net loans and leases to total assets67.7876%2,906
Net loans and leases to deposits82.6369%2,660
Net loans and leases to core deposits98.2721%1,850
Total domestic deposits to total assets82.0307%3,634
Equity capital to assets13.1366%1,285
Core capital (leverage) ratio9.7773%3,831
Tier 1 risk-based capital ratio11.9258%4,478
Total risk-based capital ratio13.1773%4,364
Memoranda:
Average total assets$106,043,8004,004
Average earning assets$92,342,4004,096
Average equity$13,758,2003,782
Average total loans$74,619,0003,781
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8668%1,246
Cost of funding earning assets0.4139%3,762
Net interest margin4.4528%816
Noninterest income to average assets0.4458%3,198
Noninterest expense to average assets2.4517%3,727
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.8732%520
Return on assets (ROA)1.8707%522
Pretax return on assets1.8707%860
Return on Equity (ROE)14.4630%996
Retained earnings to average equity (ytd only)1.5876%4,699
Net charge-offs to loans0.0035%3,340
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)747.0487%114
Efficiency ratio56.6879%4,288
Assets per employee ($millions)4.4064%3,261
Cash dividends to net income (ytd only)*89.0228%398
Condition Ratios (%)
Loss allowance to loans1.6202%1,027
Loan loss allowance to noncurrent loans3,712.9032%203
Noncurrent assets plus other real estate owned to assets0.0293%4,840
Noncurrent loans to loans0.0436%4,706
Net loans and leases to total assets66.0873%3,164
Net loans and leases to deposits76.2467%3,396
Net loans and leases to core deposits90.8831%2,573
Total domestic deposits to total assets86.6757%1,878
Equity capital to assets13.0028%1,336
Core capital (leverage) ratio9.6978%3,944
Tier 1 risk-based capital ratio12.4494%4,227
Total risk-based capital ratio13.7019%4,112
Memoranda:
Average total assets$106,482,5004,030
Average earning assets$92,762,7504,130
Average equity$13,772,7503,806
Average total loans$75,312,7503,803
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8612%1,106
Cost of funding earning assets0.4026%3,702
Net interest margin4.4586%752
Noninterest income to average assets0.4441%3,192
Noninterest expense to average assets2.4380%3,802
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.8871%482
Return on assets (ROA)1.8833%482
Pretax return on assets1.8833%806
Return on Equity (ROE)14.5864%938
Retained earnings to average equity (ytd only)2.2496%4,379
Net charge-offs to loans0.0052%2,979
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)503.5000%175
Efficiency ratio56.3692%4,433
Assets per employee ($millions)4.0938%3,741
Cash dividends to net income (ytd only)*84.5771%614
Condition Ratios (%)
Loss allowance to loans1.5228%1,323
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets69.9327%2,594
Net loans and leases to deposits89.2677%1,941
Net loans and leases to core deposits104.7893%1,329
Total domestic deposits to total assets78.3404%4,531
Equity capital to assets12.9691%1,309
Core capital (leverage) ratio9.7060%3,875
Tier 1 risk-based capital ratio11.7567%4,647
Total risk-based capital ratio13.0077%4,524
Memoranda:
Average total assets$106,725,3304,071
Average earning assets$92,898,3304,161
Average equity$13,780,0003,824
Average total loans$76,736,6703,785
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8756%915
Cost of funding earning assets0.3919%3,648
Net interest margin4.4837%640
Noninterest income to average assets0.5015%2,788
Noninterest expense to average assets2.4254%3,878
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.9725%394
Return on assets (ROA)1.9725%396
Pretax return on assets1.9725%607
Return on Equity (ROE)15.3109%751
Retained earnings to average equity (ytd only)0.2034%4,776
Net charge-offs to loans0.0103%2,375
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)263.5000%259
Efficiency ratio55.1489%4,681
Assets per employee ($millions)4.4326%3,277
Cash dividends to net income (ytd only)*98.6717%592
Condition Ratios (%)
Loss allowance to loans1.4926%1,487
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets71.4043%2,270
Net loans and leases to deposits87.2896%2,019
Net loans and leases to core deposits101.0388%1,610
Total domestic deposits to total assets81.8016%4,015
Equity capital to assets12.8630%1,313
Core capital (leverage) ratio9.3062%4,317
Tier 1 risk-based capital ratio11.4893%4,865
Total risk-based capital ratio12.7412%4,761
Memoranda:
Average total assets$106,869,0004,108
Average earning assets$92,870,5004,211
Average equity$13,768,0003,860
Average total loans$77,312,0003,803
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7681%1,037
Cost of funding earning assets0.2647%4,437
Net interest margin4.5034%605
Noninterest income to average assets0.4592%3,250
Noninterest expense to average assets2.4241%4,005
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.9331%323
Return on assets (ROA)1.9312%328
Pretax return on assets1.9312%568
Return on Equity (ROE)14.8694%631
Retained earnings to average equity (ytd only)0.0072%5,008
Net charge-offs to loans0.0039%3,963
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)689.0000%122
Efficiency ratio55.6343%4,799
Assets per employee ($millions)4.4731%3,238
Cash dividends to net income (ytd only)*99.9516%350
Condition Ratios (%)
Loss allowance to loans1.4875%1,448
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets71.1266%2,359
Net loans and leases to deposits91.9721%1,527
Net loans and leases to core deposits108.1711%1,115
Total domestic deposits to total assets77.3350%4,822
Equity capital to assets12.9030%1,315
Core capital (leverage) ratio9.4660%4,090
Tier 1 risk-based capital ratio11.3695%4,940
Total risk-based capital ratio12.6209%4,813
Memoranda:
Average total assets$106,926,6004,117
Average earning assets$92,551,8004,229
Average equity$13,887,6003,853
Average total loans$77,600,8003,797
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7338%1,065
Cost of funding earning assets0.2435%4,627
Net interest margin4.4902%614
Noninterest income to average assets0.4556%3,305
Noninterest expense to average assets2.4726%3,818
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.8723%413
Return on assets (ROA)1.8698%421
Pretax return on assets1.8698%746
Return on Equity (ROE)14.3725%760
Retained earnings to average equity (ytd only)1.5639%4,800
Net charge-offs to loans0.0241%2,968
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)107.1210%664
Efficiency ratio56.9089%4,623
Assets per employee ($millions)4.3454%3,397
Cash dividends to net income (ytd only)*89.1192%456
Condition Ratios (%)
Loss allowance to loans1.4788%1,611
Loan loss allowance to noncurrent loans521.4612%999
Noncurrent assets plus other real estate owned to assets0.2559%4,033
Noncurrent loans to loans0.2836%3,935
Net loans and leases to total assets70.0379%2,552
Net loans and leases to deposits94.9460%1,204
Net loans and leases to core deposits114.3173%822
Total domestic deposits to total assets73.7660%5,256
Equity capital to assets13.0217%1,380
Core capital (leverage) ratio9.7862%3,837
Tier 1 risk-based capital ratio11.8859%4,707
Total risk-based capital ratio13.1376%4,585
Memoranda:
Average total assets$106,819,5004,161
Average earning assets$92,524,2504,265
Average equity$13,896,5003,897
Average total loans$77,623,2503,830
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7388%985
Cost of funding earning assets0.2106%4,888
Net interest margin4.5282%535
Noninterest income to average assets0.4500%3,350
Noninterest expense to average assets2.4441%3,931
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.9338%349
Return on assets (ROA)1.9338%358
Pretax return on assets1.9338%608
Return on Equity (ROE)14.8697%683
Retained earnings to average equity (ytd only)2.2008%4,360
Net charge-offs to loans0.0309%2,588
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)85.5833%728
Efficiency ratio55.8280%4,850
Assets per employee ($millions)3.9803%3,984
Cash dividends to net income (ytd only)*85.1996%731
Condition Ratios (%)
Loss allowance to loans1.5039%1,565
Loan loss allowance to noncurrent loans452.1739%1,132
Noncurrent assets plus other real estate owned to assets0.2445%4,157
Noncurrent loans to loans0.3326%3,850
Net loans and leases to total assets72.4000%2,135
Net loans and leases to deposits96.4274%1,039
Net loans and leases to core deposits116.8382%688
Total domestic deposits to total assets75.0824%5,195
Equity capital to assets13.6043%1,111
Core capital (leverage) ratio9.8304%3,740
Tier 1 risk-based capital ratio12.3380%4,394
Total risk-based capital ratio13.5898%4,280
Memoranda:
Average total assets$106,214,6704,203
Average earning assets$92,133,6704,305
Average equity$13,813,3303,915
Average total loans$77,755,3303,841
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7556%838
Cost of funding earning assets0.1974%5,001
Net interest margin4.5582%468
Noninterest income to average assets0.4722%3,175
Noninterest expense to average assets2.3611%4,227
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets2.0599%277
Return on assets (ROA)2.0599%286
Pretax return on assets2.0599%453
Return on Equity (ROE)16.1982%503
Retained earnings to average equity (ytd only)0.5555%4,791
Net charge-offs to loans0.0051%2,796
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)554.0000%101
Efficiency ratio53.4062%5,176
Assets per employee ($millions)4.2380%3,607
Cash dividends to net income (ytd only)*96.5704%737
Condition Ratios (%)
Loss allowance to loans1.4982%1,693
Loan loss allowance to noncurrent loans10,500.0000%94
Noncurrent assets plus other real estate owned to assets0.0104%5,318
Noncurrent loans to loans0.0143%5,182
Net loans and leases to total assets71.6713%2,117
Net loans and leases to deposits92.4965%1,273
Net loans and leases to core deposits112.0713%768
Total domestic deposits to total assets77.4854%5,041
Equity capital to assets12.9156%1,292
Core capital (leverage) ratio9.3034%4,340
Tier 1 risk-based capital ratio12.1354%4,630
Total risk-based capital ratio13.3872%4,523
Memoranda:
Average total assets$107,577,5004,212
Average earning assets$93,194,5004,330
Average equity$13,680,5003,966
Average total loans$78,598,0003,847
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5354%1,434
Cost of funding earning assets0.1353%5,517
Net interest margin4.4001%774
Noninterest income to average assets0.5548%2,890
Noninterest expense to average assets2.4258%4,226
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets1.9318%365
Return on assets (ROA)2.0235%315
Pretax return on assets2.0235%471
Return on Equity (ROE)15.5178%559
Retained earnings to average equity (ytd only)0.0215%5,299
Net charge-offs to loans-0.0102%4,940
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6677%5,094
Assets per employee ($millions)4.7481%2,723
Cash dividends to net income (ytd only)*99.8613%365
Condition Ratios (%)
Loss allowance to loans1.4431%1,899
Loan loss allowance to noncurrent loans11,560.0000%81
Noncurrent assets plus other real estate owned to assets0.0092%5,373
Noncurrent loans to loans0.0125%5,232
Net loans and leases to total assets72.2946%2,126
Net loans and leases to deposits96.7394%932
Net loans and leases to core deposits117.8763%552
Total domestic deposits to total assets74.7312%5,376
Equity capital to assets12.5240%1,513
Core capital (leverage) ratio9.5133%4,065
Tier 1 risk-based capital ratio11.4943%5,060
Total risk-based capital ratio12.7453%4,961
Memoranda:
Average total assets$106,893,6004,227
Average earning assets$92,384,8004,343
Average equity$13,938,8003,947
Average total loans$78,064,6003,846
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5386%1,430
Cost of funding earning assets0.1351%5,587
Net interest margin4.4036%770
Noninterest income to average assets0.5669%2,836
Noninterest expense to average assets2.4919%4,007
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.8774%421
Return on assets (ROA)2.0003%356
Pretax return on assets2.0003%569
Return on Equity (ROE)15.1855%647
Retained earnings to average equity (ytd only)1.9518%4,710
Net charge-offs to loans-0.0138%4,887
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0321%4,950
Assets per employee ($millions)4.2090%3,577
Cash dividends to net income (ytd only)*87.1476%585
Condition Ratios (%)
Loss allowance to loans1.4718%1,878
Loan loss allowance to noncurrent loans5,504.7619%135
Noncurrent assets plus other real estate owned to assets0.0295%5,380
Noncurrent loans to loans0.0267%5,277
Net loans and leases to total assets73.5469%1,944
Net loans and leases to deposits96.9884%953
Net loans and leases to core deposits117.3236%601
Total domestic deposits to total assets75.8306%5,258
Equity capital to assets13.3876%1,297
Core capital (leverage) ratio9.7336%3,895
Tier 1 risk-based capital ratio12.0913%4,728
Total risk-based capital ratio13.3423%4,641
Memoranda:
Average total assets$106,315,5004,273
Average earning assets$91,801,7504,387
Average equity$14,004,2503,971
Average total loans$77,554,2503,888
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5211%1,461
Cost of funding earning assets0.1328%5,668
Net interest margin4.3884%782
Noninterest income to average assets0.5531%2,886
Noninterest expense to average assets2.4841%4,072
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.8485%443
Return on assets (ROA)2.0341%327
Pretax return on assets2.0341%535
Return on Equity (ROE)15.5259%604
Retained earnings to average equity (ytd only)2.7904%4,120
Net charge-offs to loans-0.0104%4,706
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.3345%4,990
Assets per employee ($millions)4.2165%3,530
Cash dividends to net income (ytd only)*82.0276%856
Condition Ratios (%)
Loss allowance to loans1.5052%1,837
Loan loss allowance to noncurrent loans428.2528%1,207
Noncurrent assets plus other real estate owned to assets0.2552%4,478
Noncurrent loans to loans0.3515%4,114
Net loans and leases to total assets71.5121%2,247
Net loans and leases to deposits92.9862%1,394
Net loans and leases to core deposits111.1106%869
Total domestic deposits to total assets76.9061%5,171
Equity capital to assets13.3750%1,293
Core capital (leverage) ratio9.5476%4,140
Tier 1 risk-based capital ratio12.1597%4,722
Total risk-based capital ratio13.4117%4,640
Memoranda:
Average total assets$106,679,3304,298
Average earning assets$91,879,3304,424
Average equity$13,976,6703,997
Average total loans$77,224,0003,918
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4883%1,540
Cost of funding earning assets0.1335%5,731
Net interest margin4.3548%823
Noninterest income to average assets0.3877%3,921
Noninterest expense to average assets2.4713%4,161
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.6848%594
Return on assets (ROA)2.0575%311
Pretax return on assets2.0575%505
Return on Equity (ROE)15.8672%549
Retained earnings to average equity (ytd only)0.0575%5,091
Net charge-offs to loans-0.0103%4,544
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4619%4,816
Assets per employee ($millions)4.2061%3,581
Cash dividends to net income (ytd only)*99.6377%712
Condition Ratios (%)
Loss allowance to loans1.4696%2,116
Loan loss allowance to noncurrent loans433.9623%1,177
Noncurrent assets plus other real estate owned to assets0.2520%4,547
Noncurrent loans to loans0.3387%4,228
Net loans and leases to total assets73.3234%1,830
Net loans and leases to deposits98.1541%747
Net loans and leases to core deposits115.5279%612
Total domestic deposits to total assets74.7023%5,547
Equity capital to assets13.2066%1,313
Core capital (leverage) ratio9.4289%4,311
Tier 1 risk-based capital ratio11.8524%5,008
Total risk-based capital ratio13.1044%4,910
Memoranda:
Average total assets$107,312,5004,322
Average earning assets$92,863,0004,447
Average equity$13,915,5004,012
Average total loans$77,568,5003,931
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3956%1,916
Cost of funding earning assets0.0936%5,988
Net interest margin4.3020%961
Noninterest income to average assets0.4829%3,444
Noninterest expense to average assets2.3380%4,682
Loan and lease loss provision to assets0.0047%4,298
Net operating income to assets1.9016%403
Return on assets (ROA)1.9007%414
Pretax return on assets1.9007%653
Return on Equity (ROE)14.6734%740
Retained earnings to average equity (ytd only)0.0215%5,498
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0855%5,432
Assets per employee ($millions)4.3789%3,255
Cash dividends to net income (ytd only)*99.8532%394
Condition Ratios (%)
Loss allowance to loans1.4931%2,040
Loan loss allowance to noncurrent loans363.2911%1,394
Noncurrent assets plus other real estate owned to assets0.2887%4,435
Noncurrent loans to loans0.4110%3,978
Net loans and leases to total assets69.1842%2,504
Net loans and leases to deposits92.9894%1,306
Net loans and leases to core deposits107.3887%1,012
Total domestic deposits to total assets74.4001%5,610
Equity capital to assets12.7374%1,496
Core capital (leverage) ratio9.2861%4,497
Tier 1 risk-based capital ratio12.1316%4,866
Total risk-based capital ratio13.3832%4,769
Memoranda:
Average total assets$107,486,6004,308
Average earning assets$93,980,2004,432
Average equity$13,923,2003,990
Average total loans$74,298,6003,987
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3606%2,048
Cost of funding earning assets0.0909%6,086
Net interest margin4.2697%1,021
Noninterest income to average assets0.4985%3,376
Noninterest expense to average assets2.3852%4,551
Loan and lease loss provision to assets0.0062%4,138
Net operating income to assets1.8531%465
Return on assets (ROA)1.8543%485
Pretax return on assets1.8543%795
Return on Equity (ROE)14.2546%851
Retained earnings to average equity (ytd only)1.6094%5,062
Net charge-offs to loans0.0018%4,120
Credit loss provision to net charge-offs500.0000%644
Earnings coverage of net charge-offs (x)1,495.6992%49
Efficiency ratio56.1950%5,328
Assets per employee ($millions)4.3195%3,289
Cash dividends to net income (ytd only)*88.7099%554
Condition Ratios (%)
Loss allowance to loans1.5207%2,066
Loan loss allowance to noncurrent loans222.7184%2,069
Noncurrent assets plus other real estate owned to assets0.4769%3,901
Noncurrent loans to loans0.6828%3,273
Net loans and leases to total assets68.7845%2,570
Net loans and leases to deposits88.9675%1,773
Net loans and leases to core deposits103.2685%1,283
Total domestic deposits to total assets77.3141%5,292
Equity capital to assets13.0116%1,439
Core capital (leverage) ratio9.6319%4,135
Tier 1 risk-based capital ratio12.6138%4,674
Total risk-based capital ratio13.8665%4,578
Memoranda:
Average total assets$106,990,0004,366
Average earning assets$93,868,2504,488
Average equity$13,918,0004,039
Average total loans$73,651,7504,041
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3248%2,098
Cost of funding earning assets0.0898%6,164
Net interest margin4.2350%1,039
Noninterest income to average assets0.5194%3,228
Noninterest expense to average assets2.4115%4,510
Loan and lease loss provision to assets0.0094%3,918
Net operating income to assets1.8133%503
Return on assets (ROA)1.8152%518
Pretax return on assets1.8152%869
Return on Equity (ROE)13.9545%913
Retained earnings to average equity (ytd only)2.1335%4,640
Net charge-offs to loans-0.0055%4,765
Credit loss provision to net charge-offs-250.0000%5,065
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9531%5,342
Assets per employee ($millions)4.0075%3,873
Cash dividends to net income (ytd only)*84.7107%826
Condition Ratios (%)
Loss allowance to loans1.5822%1,960
Loan loss allowance to noncurrent loans204.6263%2,210
Noncurrent assets plus other real estate owned to assets0.5394%3,816
Noncurrent loans to loans0.7732%3,179
Net loans and leases to total assets68.6533%2,543
Net loans and leases to deposits85.0198%2,184
Net loans and leases to core deposits99.1242%1,561
Total domestic deposits to total assets80.7497%4,679
Equity capital to assets13.3633%1,237
Core capital (leverage) ratio9.9131%3,722
Tier 1 risk-based capital ratio12.9210%4,561
Total risk-based capital ratio14.1739%4,480
Memoranda:
Average total assets$106,657,3304,409
Average earning assets$93,554,0004,524
Average equity$13,873,6704,063
Average total loans$73,060,3304,084
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2815%2,160
Cost of funding earning assets0.0842%6,252
Net interest margin4.1973%1,063
Noninterest income to average assets0.5228%3,137
Noninterest expense to average assets2.3877%4,632
Loan and lease loss provision to assets0.0185%3,474
Net operating income to assets1.8130%474
Return on assets (ROA)1.8167%495
Pretax return on assets1.8167%842
Return on Equity (ROE)14.1532%849
Retained earnings to average equity (ytd only)0.0000%5,366
Net charge-offs to loans-0.0109%4,756
Credit loss provision to net charge-offs-250.0000%4,660
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5905%5,476
Assets per employee ($millions)4.0294%3,899
Cash dividends to net income (ytd only)*100.0000%683
Condition Ratios (%)
Loss allowance to loans1.5820%2,117
Loan loss allowance to noncurrent loans193.1092%2,285
Noncurrent assets plus other real estate owned to assets0.5679%3,778
Noncurrent loans to loans0.8192%3,197
Net loans and leases to total assets68.2308%2,405
Net loans and leases to deposits80.9563%2,454
Net loans and leases to core deposits93.5873%1,801
Total domestic deposits to total assets84.2810%3,705
Equity capital to assets13.1733%1,316
Core capital (leverage) ratio9.0959%4,848
Tier 1 risk-based capital ratio11.6510%5,469
Total risk-based capital ratio12.9021%5,371
Memoranda:
Average total assets$107,888,0004,418
Average earning assets$95,014,0004,532
Average equity$13,848,5004,095
Average total loans$73,248,5004,096
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2822%2,673
Cost of funding earning assets0.0971%6,334
Net interest margin4.1852%1,346
Noninterest income to average assets0.5789%2,992
Noninterest expense to average assets2.2905%5,139
Loan and lease loss provision to assets0.0947%2,572
Net operating income to assets1.8874%399
Return on assets (ROA)1.9424%373
Pretax return on assets1.9424%570
Return on Equity (ROE)16.2353%593
Retained earnings to average equity (ytd only)7.1152%1,347
Net charge-offs to loans-0.0014%5,359
Credit loss provision to net charge-offs-10,500.0000%6,094
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6091%5,874
Assets per employee ($millions)4.2697%3,420
Cash dividends to net income (ytd only)*56.1746%1,946
Condition Ratios (%)
Loss allowance to loans1.5474%2,264
Loan loss allowance to noncurrent loans185.8537%2,375
Noncurrent assets plus other real estate owned to assets0.5540%3,950
Noncurrent loans to loans0.8326%3,230
Net loans and leases to total assets65.5097%2,978
Net loans and leases to deposits80.7755%2,625
Net loans and leases to core deposits91.9148%2,099
Total domestic deposits to total assets81.1010%4,718
Equity capital to assets12.5177%1,640
Core capital (leverage) ratio8.5905%5,458
Tier 1 risk-based capital ratio11.6364%5,585
Total risk-based capital ratio12.8880%5,490
Memoranda:
Average total assets$110,892,2004,368
Average earning assets$97,869,6004,453
Average equity$13,267,4004,141
Average total loans$73,218,2004,089
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1887%3,030
Cost of funding earning assets0.1009%6,413
Net interest margin4.0878%1,613
Noninterest income to average assets0.5953%2,907
Noninterest expense to average assets2.2694%5,181
Loan and lease loss provision to assets0.0541%3,292
Net operating income to assets1.8762%442
Return on assets (ROA)1.8749%458
Pretax return on assets1.8749%755
Return on Equity (ROE)15.8548%690
Retained earnings to average equity (ytd only)7.6172%1,526
Net charge-offs to loans-0.0018%5,183
Credit loss provision to net charge-offs-4,500.0000%6,031
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0378%5,820
Assets per employee ($millions)4.5061%2,960
Cash dividends to net income (ytd only)*51.9564%1,750
Condition Ratios (%)
Loss allowance to loans1.4487%2,949
Loan loss allowance to noncurrent loans167.1296%2,492
Noncurrent assets plus other real estate owned to assets0.5752%4,123
Noncurrent loans to loans0.8668%3,398
Net loans and leases to total assets65.3991%2,968
Net loans and leases to deposits80.4161%2,630
Net loans and leases to core deposits96.0147%1,675
Total domestic deposits to total assets81.3258%4,724
Equity capital to assets12.1941%1,915
Core capital (leverage) ratio8.3773%5,781
Tier 1 risk-based capital ratio11.2630%5,886
Total risk-based capital ratio12.5137%5,835
Memoranda:
Average total assets$110,862,5004,405
Average earning assets$97,751,5004,504
Average equity$13,110,2504,196
Average total loans$73,056,2504,111
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1486%3,157
Cost of funding earning assets0.1030%6,473
Net interest margin4.0455%1,675
Noninterest income to average assets0.5514%3,108
Noninterest expense to average assets2.2781%5,207
Loan and lease loss provision to assets0.0544%3,214
Net operating income to assets1.7793%506
Return on assets (ROA)1.7775%529
Pretax return on assets1.7775%883
Return on Equity (ROE)15.1922%763
Retained earnings to average equity (ytd only)2.6354%4,523
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4036%5,800
Assets per employee ($millions)4.7854%2,494
Cash dividends to net income (ytd only)*82.6531%836
Condition Ratios (%)
Loss allowance to loans1.4585%3,080
Loan loss allowance to noncurrent loans155.0872%2,652
Noncurrent assets plus other real estate owned to assets0.5990%4,181
Noncurrent loans to loans0.9405%3,364
Net loans and leases to total assets62.7680%3,281
Net loans and leases to deposits80.5131%2,449
Net loans and leases to core deposits96.8170%1,534
Total domestic deposits to total assets77.9599%5,642
Equity capital to assets11.3661%2,537
Core capital (leverage) ratio8.4101%5,734
Tier 1 risk-based capital ratio10.7198%6,162
Total risk-based capital ratio11.9708%6,116
Memoranda:
Average total assets$110,265,6704,441
Average earning assets$97,045,0004,556
Average equity$12,901,3304,239
Average total loans$72,489,3304,148
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2380%2,728
Cost of funding earning assets0.1095%6,535
Net interest margin4.1285%1,397
Noninterest income to average assets0.5409%3,107
Noninterest expense to average assets2.2969%5,201
Loan and lease loss provision to assets0.0556%3,004
Net operating income to assets1.8190%467
Return on assets (ROA)1.8190%488
Pretax return on assets1.8190%779
Return on Equity (ROE)15.3138%730
Retained earnings to average equity (ytd only)0.0312%5,537
Net charge-offs to loans-0.0055%4,848
Credit loss provision to net charge-offs-1,500.0000%5,409
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.0622%5,916
Assets per employee ($millions)4.5419%2,913
Cash dividends to net income (ytd only)*99.7963%684
Condition Ratios (%)
Loss allowance to loans1.4869%3,194
Loan loss allowance to noncurrent loans147.6858%2,676
Noncurrent assets plus other real estate owned to assets0.6541%4,164
Noncurrent loans to loans1.0068%3,407
Net loans and leases to total assets64.0007%2,892
Net loans and leases to deposits83.5757%1,865
Net loans and leases to core deposits100.3582%1,079
Total domestic deposits to total assets76.5781%6,016
Equity capital to assets11.7930%2,015
Core capital (leverage) ratio8.3336%5,817
Tier 1 risk-based capital ratio10.9270%6,182
Total risk-based capital ratio12.1780%6,138
Memoranda:
Average total assets$107,973,5004,531
Average earning assets$94,950,0004,657
Average equity$12,825,0004,268
Average total loans$72,156,0004,196
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3964%2,604
Cost of funding earning assets0.1305%6,606
Net interest margin4.2659%1,179
Noninterest income to average assets0.5449%3,440
Noninterest expense to average assets2.3621%5,198
Loan and lease loss provision to assets0.0483%4,165
Net operating income to assets1.8597%430
Return on assets (ROA)1.8588%443
Pretax return on assets1.8588%667
Return on Equity (ROE)15.3471%706
Retained earnings to average equity (ytd only)3.6613%3,618
Net charge-offs to loans-0.0116%6,041
Credit loss provision to net charge-offs-625.0000%6,170
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.3167%6,019
Assets per employee ($millions)4.2777%3,305
Cash dividends to net income (ytd only)*76.1435%1,057
Condition Ratios (%)
Loss allowance to loans1.4110%3,595
Loan loss allowance to noncurrent loans144.2281%2,758
Noncurrent assets plus other real estate owned to assets0.6723%4,228
Noncurrent loans to loans0.9783%3,566
Net loans and leases to total assets67.7545%2,401
Net loans and leases to deposits88.8183%1,375
Net loans and leases to core deposits107.1468%727
Total domestic deposits to total assets76.2843%6,069
Equity capital to assets11.9644%1,832
Core capital (leverage) ratio8.2763%5,899
Tier 1 risk-based capital ratio10.6873%6,305
Total risk-based capital ratio11.9379%6,257
Memoranda:
Average total assets$103,509,6004,662
Average earning assets$90,392,2004,764
Average equity$12,536,6004,348
Average total loans$69,189,6004,298
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3680%2,700
Cost of funding earning assets0.1339%6,689
Net interest margin4.2342%1,234
Noninterest income to average assets0.5429%3,502
Noninterest expense to average assets2.3574%5,162
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.8834%452
Return on assets (ROA)1.8820%459
Pretax return on assets1.8820%735
Return on Equity (ROE)15.4903%715
Retained earnings to average equity (ytd only)1.9670%5,149
Net charge-offs to loans-0.0157%5,986
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.5896%5,961
Assets per employee ($millions)4.1557%3,517
Cash dividends to net income (ytd only)*87.3014%619
Condition Ratios (%)
Loss allowance to loans1.4069%3,864
Loan loss allowance to noncurrent loans111.5254%3,201
Noncurrent assets plus other real estate owned to assets0.8518%3,986
Noncurrent loans to loans1.2615%3,292
Net loans and leases to total assets66.5739%2,549
Net loans and leases to deposits86.5504%1,551
Net loans and leases to core deposits105.2419%804
Total domestic deposits to total assets76.9193%6,057
Equity capital to assets11.8979%1,983
Core capital (leverage) ratio8.3245%5,946
Tier 1 risk-based capital ratio10.7209%6,386
Total risk-based capital ratio11.9706%6,357
Memoranda:
Average total assets$102,651,5004,721
Average earning assets$89,649,2504,821
Average equity$12,472,0004,402
Average total loans$68,113,2504,371
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3457%2,773
Cost of funding earning assets0.1366%6,746
Net interest margin4.2091%1,256
Noninterest income to average assets0.5301%3,633
Noninterest expense to average assets2.3690%5,143
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.8388%475
Return on assets (ROA)1.8388%509
Pretax return on assets1.8388%845
Return on Equity (ROE)15.0292%807
Retained earnings to average equity (ytd only)2.7980%4,535
Net charge-offs to loans-0.0208%5,981
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2994%5,929
Assets per employee ($millions)4.2540%3,242
Cash dividends to net income (ytd only)*81.3830%875
Condition Ratios (%)
Loss allowance to loans1.4243%3,928
Loan loss allowance to noncurrent loans130.0792%2,831
Noncurrent assets plus other real estate owned to assets0.7424%4,355
Noncurrent loans to loans1.0950%3,743
Net loans and leases to total assets66.8374%2,444
Net loans and leases to deposits85.4590%1,632
Net loans and leases to core deposits103.2235%875
Total domestic deposits to total assets78.2099%5,945
Equity capital to assets12.2628%1,732
Core capital (leverage) ratio8.5820%5,577
Tier 1 risk-based capital ratio10.8134%6,409
Total risk-based capital ratio12.0639%6,378
Memoranda:
Average total assets$102,238,0004,766
Average earning assets$89,330,6704,862
Average equity$12,509,0004,425
Average total loans$67,433,6704,403
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2845%2,953
Cost of funding earning assets0.1384%6,824
Net interest margin4.1462%1,339
Noninterest income to average assets0.5317%3,557
Noninterest expense to average assets2.3185%5,372
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.8454%441
Return on assets (ROA)1.8454%487
Pretax return on assets1.8454%814
Return on Equity (ROE)15.0998%747
Retained earnings to average equity (ytd only)0.3839%5,666
Net charge-offs to loans-0.0481%6,115
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6808%6,092
Assets per employee ($millions)4.3646%3,213
Cash dividends to net income (ytd only)*97.4576%671
Condition Ratios (%)
Loss allowance to loans1.4534%4,005
Loan loss allowance to noncurrent loans125.0951%2,782
Noncurrent assets plus other real estate owned to assets0.7532%4,491
Noncurrent loans to loans1.1618%3,835
Net loans and leases to total assets63.8883%2,730
Net loans and leases to deposits77.2435%2,458
Net loans and leases to core deposits86.6362%2,047
Total domestic deposits to total assets82.7103%4,948
Equity capital to assets11.9389%2,084
Core capital (leverage) ratio8.3920%5,721
Tier 1 risk-based capital ratio10.3141%6,632
Total risk-based capital ratio11.5441%6,629
Memoranda:
Average total assets$102,308,5004,804
Average earning assets$89,625,0004,893
Average equity$12,503,5004,472
Average total loans$66,538,0004,473
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4510%3,609
Cost of funding earning assets0.1935%6,853
Net interest margin4.2575%1,503
Noninterest income to average assets0.6483%3,000
Noninterest expense to average assets2.4406%5,281
Loan and lease loss provision to assets0.1158%4,181
Net operating income to assets1.7734%536
Return on assets (ROA)1.7723%601
Pretax return on assets1.7723%969
Return on Equity (ROE)14.6575%882
Retained earnings to average equity (ytd only)8.9999%821
Net charge-offs to loans0.1164%4,525
Credit loss provision to net charge-offs164.1791%1,635
Earnings coverage of net charge-offs (x)26.7910%1,087
Efficiency ratio56.3685%6,021
Assets per employee ($millions)4.1611%3,633
Cash dividends to net income (ytd only)*38.5986%2,936
Condition Ratios (%)
Loss allowance to loans1.5023%3,737
Loan loss allowance to noncurrent loans121.4640%2,810
Noncurrent assets plus other real estate owned to assets0.8071%4,453
Noncurrent loans to loans1.2368%3,778
Net loans and leases to total assets64.2725%2,851
Net loans and leases to deposits73.5339%3,166
Net loans and leases to core deposits82.6439%2,703
Total domestic deposits to total assets87.4052%2,573
Equity capital to assets12.5176%1,701
Core capital (leverage) ratio8.2651%5,927
Tier 1 risk-based capital ratio9.6599%6,780
Total risk-based capital ratio10.8040%6,779
Memoranda:
Average total assets$95,016,4004,966
Average earning assets$82,161,2005,066
Average equity$11,489,0004,673
Average total loans$57,576,2004,815
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4051%4,025
Cost of funding earning assets0.2059%6,936
Net interest margin4.1992%1,739
Noninterest income to average assets0.6325%3,091
Noninterest expense to average assets2.4874%5,122
Loan and lease loss provision to assets0.0355%5,329
Net operating income to assets1.7326%648
Return on assets (ROA)1.7312%715
Pretax return on assets1.7312%1,202
Return on Equity (ROE)14.4532%1,009
Retained earnings to average equity (ytd only)6.7400%2,257
Net charge-offs to loans0.1580%3,854
Credit loss provision to net charge-offs37.8788%4,657
Earnings coverage of net charge-offs (x)18.8481%1,530
Efficiency ratio58.4502%5,724
Assets per employee ($millions)3.8661%4,161
Cash dividends to net income (ytd only)*53.3665%1,547
Condition Ratios (%)
Loss allowance to loans1.5909%3,550
Loan loss allowance to noncurrent loans111.0422%2,953
Noncurrent assets plus other real estate owned to assets0.8339%4,620
Noncurrent loans to loans1.4327%3,655
Net loans and leases to total assets57.2797%4,245
Net loans and leases to deposits65.3146%4,560
Net loans and leases to core deposits74.4363%3,921
Total domestic deposits to total assets87.6981%2,225
Equity capital to assets12.0422%2,219
Core capital (leverage) ratio7.9834%6,341
Tier 1 risk-based capital ratio10.2518%6,740
Total risk-based capital ratio11.4752%6,724
Memoranda:
Average total assets$93,803,7505,040
Average earning assets$80,934,2505,148
Average equity$11,236,0004,760
Average total loans$55,678,7504,929
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4731%3,885
Cost of funding earning assets0.2230%6,986
Net interest margin4.2501%1,599
Noninterest income to average assets0.6483%2,964
Noninterest expense to average assets2.5352%5,014
Loan and lease loss provision to assets0.0538%4,986
Net operating income to assets1.7124%656
Return on assets (ROA)1.7102%738
Pretax return on assets1.7102%1,232
Return on Equity (ROE)14.3042%1,048
Retained earnings to average equity (ytd only)2.5942%4,893
Net charge-offs to loans0.2343%3,166
Credit loss provision to net charge-offs38.4615%4,299
Earnings coverage of net charge-offs (x)12.6154%1,862
Efficiency ratio58.9384%5,741
Assets per employee ($millions)4.0702%3,721
Cash dividends to net income (ytd only)*81.8640%756
Condition Ratios (%)
Loss allowance to loans1.6548%3,408
Loan loss allowance to noncurrent loans106.7938%3,025
Noncurrent assets plus other real estate owned to assets0.8589%4,663
Noncurrent loans to loans1.5495%3,586
Net loans and leases to total assets54.5130%4,704
Net loans and leases to deposits61.7117%5,039
Net loans and leases to core deposits66.2557%4,967
Total domestic deposits to total assets88.3350%1,936
Equity capital to assets11.4624%2,626
Core capital (leverage) ratio8.0644%6,203
Tier 1 risk-based capital ratio10.0901%6,804
Total risk-based capital ratio11.3407%6,784
Memoranda:
Average total assets$92,854,3305,095
Average earning assets$79,810,6705,211
Average equity$11,101,6704,790
Average total loans$55,486,0004,969
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7501%2,847
Cost of funding earning assets0.2495%7,008
Net interest margin4.5007%1,008
Noninterest income to average assets0.6192%3,110
Noninterest expense to average assets2.6316%4,699
Loan and lease loss provision to assets0.1106%3,971
Net operating income to assets1.7072%706
Return on assets (ROA)1.7072%787
Pretax return on assets1.7072%1,282
Return on Equity (ROE)13.9678%1,188
Retained earnings to average equity (ytd only)0.5790%5,818
Net charge-offs to loans0.4986%1,843
Credit loss provision to net charge-offs35.7143%3,520
Earnings coverage of net charge-offs (x)5.8714%2,289
Efficiency ratio59.1451%5,751
Assets per employee ($millions)3.6925%4,669
Cash dividends to net income (ytd only)*95.8549%591
Condition Ratios (%)
Loss allowance to loans1.6205%3,641
Loan loss allowance to noncurrent loans101.4790%3,040
Noncurrent assets plus other real estate owned to assets1.9228%3,016
Noncurrent loans to loans1.5969%3,724
Net loans and leases to total assets61.1058%3,427
Net loans and leases to deposits70.2798%3,695
Net loans and leases to core deposits76.1235%3,602
Total domestic deposits to total assets86.9465%2,984
Equity capital to assets12.4769%1,736
Core capital (leverage) ratio8.0385%6,221
Tier 1 risk-based capital ratio10.2430%6,814
Total risk-based capital ratio11.4933%6,817
Memoranda:
Average total assets$90,439,0005,190
Average earning assets$76,966,5005,330
Average equity$11,054,0004,816
Average total loans$56,155,5004,976
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1326%2,318
Cost of funding earning assets0.3732%6,957
Net interest margin4.7594%676
Noninterest income to average assets0.6983%2,609
Noninterest expense to average assets2.9107%3,915
Loan and lease loss provision to assets0.0697%5,743
Net operating income to assets1.7778%480
Return on assets (ROA)1.7766%524
Pretax return on assets1.7766%846
Return on Equity (ROE)13.9324%946
Retained earnings to average equity (ytd only)1.1299%5,330
Net charge-offs to loans-0.0086%6,873
Credit loss provision to net charge-offs-1,200.0000%6,876
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1722%5,583
Assets per employee ($millions)3.5484%4,892
Cash dividends to net income (ytd only)*91.8901%488
Condition Ratios (%)
Loss allowance to loans1.6362%3,437
Loan loss allowance to noncurrent loans59.9488%4,510
Noncurrent assets plus other real estate owned to assets1.6942%3,411
Noncurrent loans to loans2.7293%2,385
Net loans and leases to total assets61.0570%3,771
Net loans and leases to deposits69.7801%4,144
Net loans and leases to core deposits75.2934%4,068
Total domestic deposits to total assets87.4992%2,474
Equity capital to assets11.9784%2,145
Core capital (leverage) ratio7.8941%6,365
Tier 1 risk-based capital ratio10.0165%6,854
Total risk-based capital ratio11.2680%6,841
Memoranda:
Average total assets$86,062,0005,288
Average earning assets$73,412,4005,421
Average equity$10,974,4004,784
Average total loans$58,073,0004,947
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2804%1,940
Cost of funding earning assets0.4035%7,011
Net interest margin4.8770%536
Noninterest income to average assets0.7005%2,606
Noninterest expense to average assets2.9896%3,587
Loan and lease loss provision to assets0.0710%5,566
Net operating income to assets1.7969%522
Return on assets (ROA)1.7953%570
Pretax return on assets1.7953%965
Return on Equity (ROE)13.8500%1,068
Retained earnings to average equity (ytd only)1.6187%5,328
Net charge-offs to loans-0.0091%6,771
Credit loss provision to net charge-offs-1,125.0000%6,773
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5460%5,481
Assets per employee ($millions)3.3778%5,303
Cash dividends to net income (ytd only)*88.3128%459
Condition Ratios (%)
Loss allowance to loans1.5867%3,727
Loan loss allowance to noncurrent loans138.5542%2,179
Noncurrent assets plus other real estate owned to assets0.7561%5,267
Noncurrent loans to loans1.1452%4,628
Net loans and leases to total assets64.9731%3,110
Net loans and leases to deposits74.6348%3,569
Net loans and leases to core deposits81.2386%3,448
Total domestic deposits to total assets87.0548%2,620
Equity capital to assets12.6378%1,828
Core capital (leverage) ratio8.2731%6,018
Tier 1 risk-based capital ratio9.9307%6,972
Total risk-based capital ratio11.0827%6,986
Memoranda:
Average total assets$84,513,0005,366
Average earning assets$72,037,7505,514
Average equity$10,955,2504,815
Average total loans$58,274,5004,982
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3711%1,646
Cost of funding earning assets0.4288%7,066
Net interest margin4.9423%439
Noninterest income to average assets0.7002%2,552
Noninterest expense to average assets3.0212%3,558
Loan and lease loss provision to assets0.0719%5,412
Net operating income to assets1.8080%495
Return on assets (ROA)1.8056%533
Pretax return on assets1.8056%873
Return on Equity (ROE)13.8072%1,014
Retained earnings to average equity (ytd only)2.3470%4,791
Net charge-offs to loans-0.0069%6,627
Credit loss provision to net charge-offs-1,500.0000%6,648
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6438%5,636
Assets per employee ($millions)3.1300%5,805
Cash dividends to net income (ytd only)*83.0013%726
Condition Ratios (%)
Loss allowance to loans1.5535%3,888
Loan loss allowance to noncurrent loans130.4473%2,257
Noncurrent assets plus other real estate owned to assets0.8200%5,242
Noncurrent loans to loans1.1909%4,662
Net loans and leases to total assets67.7861%2,665
Net loans and leases to deposits78.2008%3,093
Net loans and leases to core deposits86.0939%2,886
Total domestic deposits to total assets86.6820%2,939
Equity capital to assets13.0588%1,492
Core capital (leverage) ratio8.5598%5,459
Tier 1 risk-based capital ratio10.2639%6,888
Total risk-based capital ratio11.5145%6,885
Memoranda:
Average total assets$83,409,3305,444
Average earning assets$70,897,6705,597
Average equity$10,907,3304,822
Average total loans$58,372,0005,036
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4248%1,490
Cost of funding earning assets0.4544%7,102
Net interest margin4.9704%404
Noninterest income to average assets0.7048%2,550
Noninterest expense to average assets3.0172%3,569
Loan and lease loss provision to assets0.0724%5,094
Net operating income to assets1.8393%456
Return on assets (ROA)1.8393%481
Pretax return on assets1.8393%756
Return on Equity (ROE)14.0552%982
Retained earnings to average equity (ytd only)0.2213%5,724
Net charge-offs to loans-0.0274%6,678
Credit loss provision to net charge-offs-375.0000%5,908
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.2145%5,804
Assets per employee ($millions)3.1999%5,713
Cash dividends to net income (ytd only)*98.4252%609
Condition Ratios (%)
Loss allowance to loans1.5171%4,125
Loan loss allowance to noncurrent loans115.8854%2,499
Noncurrent assets plus other real estate owned to assets0.9231%5,050
Noncurrent loans to loans1.3092%4,513
Net loans and leases to total assets69.4416%2,238
Net loans and leases to deposits80.4484%2,625
Net loans and leases to core deposits88.8790%2,493
Total domestic deposits to total assets86.3182%3,333
Equity capital to assets13.0556%1,358
Core capital (leverage) ratio8.5502%5,352
Tier 1 risk-based capital ratio10.2417%6,915
Total risk-based capital ratio11.4922%6,908
Memoranda:
Average total assets$82,859,0005,499
Average earning assets$70,417,0005,652
Average equity$10,843,0004,834
Average total loans$58,463,0005,070
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6987%1,572
Cost of funding earning assets0.5887%7,149
Net interest margin5.1100%347
Noninterest income to average assets0.7785%2,389
Noninterest expense to average assets2.9918%3,878
Loan and lease loss provision to assets0.1114%6,041
Net operating income to assets2.0001%281
Return on assets (ROA)2.0121%289
Pretax return on assets2.0121%468
Return on Equity (ROE)15.3167%674
Retained earnings to average equity (ytd only)0.0912%5,544
Net charge-offs to loans0.0612%6,177
Credit loss provision to net charge-offs258.3333%1,092
Earnings coverage of net charge-offs (x)48.9722%475
Efficiency ratio58.6247%6,257
Assets per employee ($millions)3.3008%5,426
Cash dividends to net income (ytd only)*99.4048%397
Condition Ratios (%)
Loss allowance to loans1.4950%4,043
Loan loss allowance to noncurrent loans116.1333%2,512
Noncurrent assets plus other real estate owned to assets0.9089%5,203
Noncurrent loans to loans1.2873%4,562
Net loans and leases to total assets69.5480%2,646
Net loans and leases to deposits83.7201%2,498
Net loans and leases to core deposits93.7042%2,295
Total domestic deposits to total assets83.0720%4,766
Equity capital to assets13.1168%1,339
Core capital (leverage) ratio8.4580%5,437
Tier 1 risk-based capital ratio10.9702%6,345
Total risk-based capital ratio12.2224%6,319
Memoranda:
Average total assets$83,495,0005,486
Average earning assets$70,665,4005,645
Average equity$10,968,4004,871
Average total loans$58,854,0005,117
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7362%1,588
Cost of funding earning assets0.6079%7,272
Net interest margin5.1283%332
Noninterest income to average assets0.7468%2,533
Noninterest expense to average assets2.9981%3,754
Loan and lease loss provision to assets0.0923%6,109
Net operating income to assets1.9950%341
Return on assets (ROA)2.0110%361
Pretax return on assets2.0110%609
Return on Equity (ROE)15.3025%812
Retained earnings to average equity (ytd only)1.7326%5,096
Net charge-offs to loans0.0814%5,709
Credit loss provision to net charge-offs161.1111%2,349
Earnings coverage of net charge-offs (x)36.4158%751
Efficiency ratio58.9543%6,108
Assets per employee ($millions)3.2874%5,500
Cash dividends to net income (ytd only)*88.6779%482
Condition Ratios (%)
Loss allowance to loans1.4119%4,392
Loan loss allowance to noncurrent loans109.1265%2,567
Noncurrent assets plus other real estate owned to assets0.9333%5,232
Noncurrent loans to loans1.2938%4,692
Net loans and leases to total assets71.1140%2,461
Net loans and leases to deposits86.4009%2,257
Net loans and leases to core deposits98.0802%2,031
Total domestic deposits to total assets82.3070%4,871
Equity capital to assets13.5085%1,345
Core capital (leverage) ratio8.7688%5,069
Tier 1 risk-based capital ratio10.2807%6,909
Total risk-based capital ratio11.5236%6,905
Memoranda:
Average total assets$83,738,7505,545
Average earning assets$70,847,0005,708
Average equity$11,004,5004,922
Average total loans$59,002,0005,187
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7049%1,742
Cost of funding earning assets0.6255%7,350
Net interest margin5.0795%360
Noninterest income to average assets0.7548%2,359
Noninterest expense to average assets3.0360%3,570
Loan and lease loss provision to assets0.0712%6,236
Net operating income to assets1.9464%365
Return on assets (ROA)1.9678%384
Pretax return on assets1.9678%644
Return on Equity (ROE)15.1112%837
Retained earnings to average equity (ytd only)3.2629%4,023
Net charge-offs to loans0.0170%6,103
Credit loss provision to net charge-offs600.0000%608
Earnings coverage of net charge-offs (x)170.0000%208
Efficiency ratio60.0752%6,035
Assets per employee ($millions)3.2125%5,657
Cash dividends to net income (ytd only)*78.4077%797
Condition Ratios (%)
Loss allowance to loans1.4253%4,307
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets69.5549%3,006
Net loans and leases to deposits82.7364%3,128
Net loans and leases to core deposits93.8651%2,737
Total domestic deposits to total assets84.0681%4,081
Equity capital to assets13.2633%1,450
Core capital (leverage) ratio8.7705%4,971
Tier 1 risk-based capital ratio10.3095%6,830
Total risk-based capital ratio11.5523%6,814
Memoranda:
Average total assets$84,256,6705,555
Average earning assets$71,306,6705,730
Average equity$10,972,0004,929
Average total loans$58,908,6705,230
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5903%2,190
Cost of funding earning assets0.6410%7,468
Net interest margin4.9493%464
Noninterest income to average assets0.7374%2,368
Noninterest expense to average assets2.9543%3,842
Loan and lease loss provision to assets0.0709%5,927
Net operating income to assets1.9096%405
Return on assets (ROA)1.9522%409
Pretax return on assets1.9522%666
Return on Equity (ROE)15.1296%850
Retained earnings to average equity (ytd only)0.4762%5,645
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8659%6,201
Assets per employee ($millions)3.2466%5,661
Cash dividends to net income (ytd only)*96.8523%621
Condition Ratios (%)
Loss allowance to loans1.4307%4,260
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets67.7416%3,450
Net loans and leases to deposits82.3521%3,225
Net loans and leases to core deposits94.3177%2,803
Total domestic deposits to total assets82.2584%4,952
Equity capital to assets12.9318%1,550
Core capital (leverage) ratio8.4257%5,511
Tier 1 risk-based capital ratio10.1469%6,934
Total risk-based capital ratio11.3836%6,931
Memoranda:
Average total assets$84,623,0005,610
Average earning assets$71,767,5005,782
Average equity$10,919,0005,003
Average total loans$58,895,5005,296
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8792%6,760
Cost of funding earning assets0.6503%7,736
Net interest margin4.2289%1,976
Noninterest income to average assets0.6248%3,461
Noninterest expense to average assets2.4934%6,154
Loan and lease loss provision to assets0.0896%6,715
Net operating income to assets1.6682%473
Return on assets (ROA)1.6682%504
Pretax return on assets1.6682%839
Return on Equity (ROE)13.5269%865
Retained earnings to average equity (ytd only)1.0994%4,272
Net charge-offs to loans-0.0017%7,690
Credit loss provision to net charge-offs-7,600.0000%7,507
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6522%6,673
Assets per employee ($millions)3.2628%5,582
Cash dividends to net income (ytd only)*91.8728%804
Condition Ratios (%)
Loss allowance to loans1.3634%4,416
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets69.5052%3,363
Net loans and leases to deposits84.9846%3,091
Net loans and leases to core deposits124.1739%1,624
Total domestic deposits to total assets81.7856%5,040
Equity capital to assets12.8746%1,561
Core capital (leverage) ratio8.4632%5,337
Tier 1 risk-based capital ratio9.6750%7,116
Total risk-based capital ratio10.8352%7,156
Memoranda:
Average total assets$84,822,6005,569
Average earning assets$72,737,4005,728
Average equity$10,460,6005,175
Average total loans$60,337,6005,239
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5914%7,427
Cost of funding earning assets0.6395%7,865
Net interest margin3.9520%3,026
Noninterest income to average assets0.5863%3,806
Noninterest expense to average assets2.3406%6,594
Loan and lease loss provision to assets0.0959%6,407
Net operating income to assets1.5499%732
Return on assets (ROA)1.5499%787
Pretax return on assets1.5499%1,280
Return on Equity (ROE)12.7076%1,174
Retained earnings to average equity (ytd only)2.3971%3,980
Net charge-offs to loans0.0022%6,963
Credit loss provision to net charge-offs6,100.0000%66
Earnings coverage of net charge-offs (x)1,049.6015%21
Efficiency ratio58.7145%6,609
Assets per employee ($millions)3.1660%5,737
Cash dividends to net income (ytd only)*81.1361%919
Condition Ratios (%)
Loss allowance to loans1.3606%4,155
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets70.2783%3,444
Net loans and leases to deposits85.6291%3,394
Net loans and leases to core deposits127.0641%1,649
Total domestic deposits to total assets82.0730%4,650
Equity capital to assets13.3399%1,558
Core capital (leverage) ratio8.5559%5,385
Tier 1 risk-based capital ratio10.1013%6,878
Total risk-based capital ratio11.2750%6,909
Memoranda:
Average total assets$84,819,7505,593
Average earning assets$72,974,5005,754
Average equity$10,345,2505,241
Average total loans$60,477,2505,262
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0233%7,901
Cost of funding earning assets0.5906%7,995
Net interest margin3.4327%5,056
Noninterest income to average assets0.4973%4,467
Noninterest expense to average assets2.0478%7,381
Loan and lease loss provision to assets0.0490%6,740
Net operating income to assets1.3590%1,105
Return on assets (ROA)1.3590%1,173
Pretax return on assets1.3590%1,834
Return on Equity (ROE)11.4868%1,563
Retained earnings to average equity (ytd only)3.5921%3,300
Net charge-offs to loans0.0033%6,578
Credit loss provision to net charge-offs2,100.0000%251
Earnings coverage of net charge-offs (x)603.0000%51
Efficiency ratio59.2568%6,656
Assets per employee ($millions)3.3934%5,085
Cash dividends to net income (ytd only)*68.7285%1,409
Condition Ratios (%)
Loss allowance to loans1.2461%4,636
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets70.8116%3,512
Net loans and leases to deposits85.0832%3,716
Net loans and leases to core deposits122.9241%2,117
Total domestic deposits to total assets83.2263%4,135
Equity capital to assets12.9062%1,732
Core capital (leverage) ratio8.3003%5,796
Tier 1 risk-based capital ratio9.8955%7,044
Total risk-based capital ratio10.9884%7,137
Memoranda:
Average total assets$85,654,0005,592
Average earning assets$73,820,3305,752
Average equity$10,133,3305,327
Average total loans$61,086,6705,288
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4273%8,168
Cost of funding earning assets0.3858%8,138
Net interest margin2.0415%7,876
Noninterest income to average assets0.2556%6,411
Noninterest expense to average assets1.1294%8,138
Loan and lease loss provision to assets0.0279%6,579
Net operating income to assets0.8691%2,842
Return on assets (ROA)0.8691%2,990
Pretax return on assets0.8691%3,830
Return on Equity (ROE)7.6911%3,287
Retained earnings to average equity (ytd only)7.6911%1,933
Net charge-offs to loans-0.0065%7,213
Credit loss provision to net charge-offs-600.0000%6,426
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.7339%7,004
Assets per employee ($millions)3.1955%5,603
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1911%4,866
Loan loss allowance to noncurrent loans8,288.8889%71
Noncurrent assets plus other real estate owned to assets0.0104%7,610
Noncurrent loans to loans0.0144%7,525
Net loans and leases to total assets71.7298%3,301
Net loans and leases to deposits84.7442%3,858
Net loans and leases to core deposits121.1025%2,322
Total domestic deposits to total assets84.6427%3,395
Equity capital to assets12.7008%1,887
Core capital (leverage) ratio8.4231%5,675
Tier 1 risk-based capital ratio9.6190%7,321
Total risk-based capital ratio10.6636%7,454
Memoranda:
Average total assets$86,063,5005,602
Average earning assets$74,652,0005,750
Average equity$9,725,5005,468
Average total loans$61,214,5005,314
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6407%2,286
Cost of funding earning assets1.8635%6,840
Net interest margin4.7772%814
Noninterest income to average assets1.0833%1,342
Noninterest expense to average assets3.1971%3,346
Loan and lease loss provision to assets0.1961%4,917
Net operating income to assets1.8430%506
Return on assets (ROA)1.8406%492
Pretax return on assets1.8406%864
Return on Equity (ROE)18.2521%508
Retained earnings to average equity (ytd only)5.0673%1,988
Net charge-offs to loans-0.0195%7,923
Credit loss provision to net charge-offs-1,454.5455%7,457
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0578%6,148
Assets per employee ($millions)3.5770%4,479
Cash dividends to net income (ytd only)*72.2370%2,065
Condition Ratios (%)
Loss allowance to loans1.2208%4,373
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets68.8022%4,301
Net loans and leases to deposits76.5351%5,527
Net loans and leases to core deposits109.2763%3,830
Total domestic deposits to total assets89.8962%690
Equity capital to assets9.8930%4,166
Core capital (leverage) ratio7.8424%6,734
Tier 1 risk-based capital ratio9.2016%7,612
Total risk-based capital ratio10.2363%7,788
Memoranda:
Average total assets$81,605,0005,641
Average earning assets$70,941,6005,781
Average equity$8,229,2005,993
Average total loans$56,290,4005,433