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Citizens Bank of Edinburg, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9199%4,065
Cost of funding earning assets0.7680%3,813
Net interest margin3.1519%2,978
Noninterest income to average assets0.2800%3,252
Noninterest expense to average assets1.9364%3,759
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.9698%2,309
Return on assets (ROA)0.9698%2,293
Pretax return on assets1.2877%1,905
Return on Equity (ROE)12.0000%1,953
Retained earnings to average equity (ytd only)8.3848%1,429
Net charge-offs to loans-0.0178%4,128
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio60.0604%3,068
Assets per employee ($millions)6.1290%2,710
Cash dividends to net income (ytd only)*30.1003%2,539
Condition Ratios (%)
Loss allowance to loans1.4621%1,168
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets32.9900%4,233
Net loans and leases to deposits36.2863%4,269
Net loans and leases to core deposits40.8345%4,275
Total domestic deposits to total assets90.9100%531
Equity capital to assets8.4875%3,064
Core capital (leverage) ratio9.8559%2,929
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$30,830,6004,458
Average earning assets$28,776,0004,425
Average equity$2,492,6004,457
Average total loans$11,245,4004,403
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8909%4,009
Cost of funding earning assets0.7255%3,707
Net interest margin3.1654%2,989
Noninterest income to average assets0.2800%3,257
Noninterest expense to average assets1.9259%3,767
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.9802%2,422
Return on assets (ROA)0.9802%2,417
Pretax return on assets1.3127%1,996
Return on Equity (ROE)12.2800%2,061
Retained earnings to average equity (ytd only)11.6809%1,026
Net charge-offs to loans-0.0232%4,175
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio59.4667%3,027
Assets per employee ($millions)6.2762%2,510
Cash dividends to net income (ytd only)*4.8458%2,915
Condition Ratios (%)
Loss allowance to loans1.3474%1,657
Loan loss allowance to noncurrent loans0.0000%3,833
Noncurrent assets plus other real estate owned to assets0.0000%3,901
Noncurrent loans to loans0.0000%3,847
Net loans and leases to total assets35.2300%4,211
Net loans and leases to deposits38.4811%4,245
Net loans and leases to core deposits43.0815%4,193
Total domestic deposits to total assets91.5600%545
Equity capital to assets7.9443%3,091
Core capital (leverage) ratio9.5188%3,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$30,877,0004,481
Average earning assets$28,852,7504,448
Average equity$2,465,5004,482
Average total loans$11,492,0004,424
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8442%3,961
Cost of funding earning assets0.6661%3,583
Net interest margin3.1781%3,041
Noninterest income to average assets0.2600%3,340
Noninterest expense to average assets1.9147%3,784
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.9965%2,429
Return on assets (ROA)0.9965%2,424
Pretax return on assets1.3286%1,995
Return on Equity (ROE)12.4600%2,023
Retained earnings to average equity (ytd only)11.5619%1,069
Net charge-offs to loans-0.0345%4,279
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio59.0361%3,072
Assets per employee ($millions)5.8360%2,851
Cash dividends to net income (ytd only)*7.1895%2,773
Condition Ratios (%)
Loss allowance to loans1.3196%1,844
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets38.4400%4,097
Net loans and leases to deposits42.2661%4,153
Net loans and leases to core deposits47.7197%4,076
Total domestic deposits to total assets90.9500%665
Equity capital to assets8.5572%2,815
Core capital (leverage) ratio9.4212%3,341
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$30,709,0004,508
Average earning assets$28,822,6674,476
Average equity$2,456,3334,511
Average total loans$11,587,0004,446
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7993%3,857
Cost of funding earning assets0.4885%3,735
Net interest margin3.3108%2,851
Noninterest income to average assets0.2700%3,286
Noninterest expense to average assets1.8809%3,894
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.1184%2,170
Return on assets (ROA)1.1184%2,138
Pretax return on assets1.4870%1,700
Return on Equity (ROE)14.4500%1,676
Retained earnings to average equity (ytd only)13.4647%1,015
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio55.8491%3,420
Assets per employee ($millions)6.3908%2,417
Cash dividends to net income (ytd only)*6.8182%2,227
Condition Ratios (%)
Loss allowance to loans1.2894%2,083
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets35.7000%4,200
Net loans and leases to deposits38.9450%4,256
Net loans and leases to core deposits43.3891%4,193
Total domestic deposits to total assets91.6600%602
Equity capital to assets7.7455%3,415
Core capital (leverage) ratio8.7074%3,978
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6295%692
Memoranda:
Average total assets$31,473,5004,564
Average earning assets$29,479,0004,538
Average equity$2,436,0004,578
Average total loans$11,697,0004,504
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0694%4,046
Cost of funding earning assets0.2743%3,110
Net interest margin2.7951%3,905
Noninterest income to average assets0.3700%2,879
Noninterest expense to average assets1.8240%3,983
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7309%3,530
Return on assets (ROA)0.7309%3,474
Pretax return on assets0.9649%3,177
Return on Equity (ROE)9.3500%3,014
Retained earnings to average equity (ytd only)5.7839%2,723
Net charge-offs to loans0.0000%2,620
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio65.4023%2,306
Assets per employee ($millions)7.7483%1,463
Cash dividends to net income (ytd only)*38.1579%2,010
Condition Ratios (%)
Loss allowance to loans1.2502%2,147
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets37.7200%4,154
Net loans and leases to deposits41.1026%4,214
Net loans and leases to core deposits42.0928%4,227
Total domestic deposits to total assets91.7700%696
Equity capital to assets7.7340%3,227
Core capital (leverage) ratio8.2638%4,272
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$31,195,8004,601
Average earning assets$26,975,8004,583
Average equity$2,437,8004,650
Average total loans$12,296,6004,526
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8174%4,176
Cost of funding earning assets0.2621%2,577
Net interest margin2.5553%4,159
Noninterest income to average assets0.4200%2,617
Noninterest expense to average assets1.8263%3,928
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.5675%3,918
Return on assets (ROA)0.5675%3,873
Pretax return on assets0.7553%3,679
Return on Equity (ROE)7.2400%3,538
Retained earnings to average equity (ytd only)6.9170%2,393
Net charge-offs to loans-0.0107%3,734
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio70.7438%1,677
Assets per employee ($millions)8.2995%1,173
Cash dividends to net income (ytd only)*4.5113%2,990
Condition Ratios (%)
Loss allowance to loans1.3180%1,951
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets33.3800%4,327
Net loans and leases to deposits36.0592%4,360
Net loans and leases to core deposits36.8617%4,374
Total domestic deposits to total assets92.5700%692
Equity capital to assets7.1149%3,450
Core capital (leverage) ratio8.3536%4,182
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6486%671
Memoranda:
Average total assets$31,246,5004,635
Average earning assets$26,454,0004,621
Average equity$2,448,0004,689
Average total loans$12,411,2504,553
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7581%4,053
Cost of funding earning assets0.2566%2,176
Net interest margin2.5016%4,086
Noninterest income to average assets0.4772%2,318
Noninterest expense to average assets1.8565%3,817
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.5033%3,883
Return on assets (ROA)0.5033%3,836
Pretax return on assets0.6602%3,684
Return on Equity (ROE)6.2180%3,526
Retained earnings to average equity (ytd only)5.8950%2,364
Net charge-offs to loans0.0000%2,156
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7662%1,533
Assets per employee ($millions)8.0103%1,299
Cash dividends to net income (ytd only)*5.1948%2,859
Condition Ratios (%)
Loss allowance to loans1.2475%2,437
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets36.3191%4,232
Net loans and leases to deposits39.3421%4,291
Net loans and leases to core deposits40.2511%4,311
Total domestic deposits to total assets92.3161%719
Equity capital to assets7.4124%3,525
Core capital (leverage) ratio8.2716%4,125
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$30,596,0004,673
Average earning assets$24,944,3334,686
Average equity$2,476,6674,718
Average total loans$12,805,3334,608
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9882%3,289
Cost of funding earning assets0.2971%1,683
Net interest margin2.6911%3,424
Noninterest income to average assets0.2812%3,447
Noninterest expense to average assets1.9147%3,648
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.3214%4,102
Return on assets (ROA)0.3214%4,069
Pretax return on assets0.4285%3,987
Return on Equity (ROE)3.7982%3,926
Retained earnings to average equity (ytd only)3.7982%3,008
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.7143%1,007
Assets per employee ($millions)7.7005%1,547
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.1370%3,165
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets41.4973%3,913
Net loans and leases to deposits45.2268%4,011
Net loans and leases to core deposits46.3217%4,057
Total domestic deposits to total assets91.7538%672
Equity capital to assets8.0644%3,520
Core capital (leverage) ratio8.2474%4,120
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$29,873,5004,705
Average earning assets$22,890,0004,723
Average equity$2,527,5004,740
Average total loans$13,316,0004,630
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0505%3,782
Cost of funding earning assets0.2876%2,528
Net interest margin2.7628%3,747
Noninterest income to average assets0.3900%3,102
Noninterest expense to average assets1.9709%3,765
Loan and lease loss provision to assets0.0311%2,436
Net operating income to assets0.4694%4,142
Return on assets (ROA)0.4694%4,187
Pretax return on assets0.5764%4,141
Return on Equity (ROE)5.2348%3,945
Retained earnings to average equity (ytd only)2.2710%3,903
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4391%1,067
Assets per employee ($millions)9.6483%744
Cash dividends to net income (ytd only)*56.6176%1,214
Condition Ratios (%)
Loss allowance to loans1.0728%3,471
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 assets46.8337%3,620
Net loans and leases to deposits51.4987%3,771
Net loans and leases to core deposits52.8375%3,836
Total domestic deposits to total assets90.9414%515
Equity capital to assets8.8824%3,737
Core capital (leverage) ratio8.5352%3,880
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$28,972,0004,751
Average earning assets$22,947,4004,761
Average equity$2,598,0004,779
Average total loans$13,319,2004,676
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1216%3,765
Cost of funding earning assets0.2976%2,614
Net interest margin2.8241%3,725
Noninterest income to average assets0.2807%3,755
Noninterest expense to average assets1.9462%3,822
Loan and lease loss provision to assets0.0414%2,167
Net operating income to assets0.4325%4,324
Return on assets (ROA)0.4325%4,358
Pretax return on assets0.5199%4,343
Return on Equity (ROE)4.8116%4,160
Retained earnings to average equity (ytd only)4.0438%3,565
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.6147%907
Assets per employee ($millions)10.1330%616
Cash dividends to net income (ytd only)*15.9574%2,735
Condition Ratios (%)
Loss allowance to loans1.0926%3,475
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 assets43.7745%3,970
Net loans and leases to deposits47.9134%4,121
Net loans and leases to core deposits49.0925%4,187
Total domestic deposits to total assets91.3616%269
Equity capital to assets8.5759%4,156
Core capital (leverage) ratio8.7055%3,846
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$28,978,7504,821
Average earning assets$22,850,7504,835
Average equity$2,604,7504,854
Average total loans$13,223,2504,749
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0888%3,893
Cost of funding earning assets0.2912%2,864
Net interest margin2.7976%3,790
Noninterest income to average assets0.3017%3,627
Noninterest expense to average assets2.0066%3,678
Loan and lease loss provision to assets0.0421%2,168
Net operating income to assets0.3929%4,398
Return on assets (ROA)0.3929%4,436
Pretax return on assets0.4771%4,422
Return on Equity (ROE)4.3011%4,275
Retained earnings to average equity (ytd only)3.7634%3,597
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4444%818
Assets per employee ($millions)9.5063%712
Cash dividends to net income (ytd only)*12.5000%2,791
Condition Ratios (%)
Loss allowance to loans1.0404%3,671
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 assets48.0276%3,722
Net loans and leases to deposits52.9742%3,934
Net loans and leases to core deposits54.3748%4,003
Total domestic deposits to total assets90.6624%491
Equity capital to assets9.1939%3,605
Core capital (leverage) ratio8.6360%3,844
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$28,505,3334,857
Average earning assets$22,662,6674,871
Average equity$2,604,0004,888
Average total loans$13,146,3334,785
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0986%3,883
Cost of funding earning assets0.3080%2,910
Net interest margin2.7906%3,786
Noninterest income to average assets0.2667%3,801
Noninterest expense to average assets1.9650%3,819
Loan and lease loss provision to assets0.0421%2,222
Net operating income to assets0.3369%4,470
Return on assets (ROA)0.3369%4,505
Pretax return on assets0.4211%4,460
Return on Equity (ROE)3.6994%4,347
Retained earnings to average equity (ytd only)2.7746%3,846
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9249%758
Assets per employee ($millions)9.7170%649
Cash dividends to net income (ytd only)*25.0000%1,859
Condition Ratios (%)
Loss allowance to loans1.0984%3,438
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 assets43.5525%4,144
Net loans and leases to deposits47.8607%4,268
Net loans and leases to core deposits49.0932%4,337
Total domestic deposits to total assets90.9986%397
Equity capital to assets8.9362%3,744
Core capital (leverage) ratio8.5916%4,018
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$28,498,5004,882
Average earning assets$22,074,5004,901
Average equity$2,595,0004,911
Average total loans$12,799,0004,819
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6090%3,794
Cost of funding earning assets0.3549%3,846
Net interest margin3.2541%3,195
Noninterest income to average assets0.3276%3,495
Noninterest expense to average assets2.0672%4,006
Loan and lease loss provision to assets0.0301%4,020
Net operating income to assets0.6928%3,455
Return on assets (ROA)0.6928%3,592
Pretax return on assets0.8886%3,398
Return on Equity (ROE)7.2481%3,093
Retained earnings to average equity (ytd only)2.9938%3,360
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.2308%2,060
Assets per employee ($millions)9.2820%675
Cash dividends to net income (ytd only)*58.6957%1,419
Condition Ratios (%)
Loss allowance to loans1.0814%3,549
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 assets45.3315%4,171
Net loans and leases to deposits50.0635%4,315
Net loans and leases to core deposits51.4196%4,374
Total domestic deposits to total assets90.5480%355
Equity capital to assets9.2832%3,804
Core capital (leverage) ratio8.5736%4,127
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,558,2004,896
Average earning assets$21,695,8004,911
Average equity$2,538,6004,934
Average total loans$13,099,4004,838
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6815%3,838
Cost of funding earning assets0.3492%4,060
Net interest margin3.3324%3,091
Noninterest income to average assets0.3608%3,305
Noninterest expense to average assets2.0429%4,066
Loan and lease loss provision to assets0.0267%4,001
Net operating income to assets0.8131%3,043
Return on assets (ROA)0.8131%3,163
Pretax return on assets1.0570%2,884
Return on Equity (ROE)8.4419%2,628
Retained earnings to average equity (ytd only)7.1757%1,624
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3659%2,538
Assets per employee ($millions)9.6163%575
Cash dividends to net income (ytd only)*15.0000%2,973
Condition Ratios (%)
Loss allowance to loans1.0308%3,560
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets44.9305%4,372
Net loans and leases to deposits52.4438%4,393
Net loans and leases to core deposits53.8938%4,454
Total domestic deposits to total assets85.6737%2,187
Equity capital to assets9.0783%4,055
Core capital (leverage) ratio9.1720%3,581
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$26,236,2504,930
Average earning assets$21,765,7504,942
Average equity$2,527,0004,964
Average total loans$13,184,0004,869
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7837%3,904
Cost of funding earning assets0.3481%4,277
Net interest margin3.4356%2,987
Noninterest income to average assets0.2760%3,819
Noninterest expense to average assets2.0422%4,147
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.8910%2,723
Return on assets (ROA)0.8910%2,844
Pretax return on assets1.1906%2,393
Return on Equity (ROE)9.0533%2,338
Retained earnings to average equity (ytd only)6.9702%1,673
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.1707%2,931
Assets per employee ($millions)8.8020%723
Cash dividends to net income (ytd only)*23.0088%2,633
Condition Ratios (%)
Loss allowance to loans1.0054%3,546
Loan loss allowance to noncurrent loans61.9718%3,851
Noncurrent assets plus other real estate owned to assets0.8066%1,543
Noncurrent loans to loans1.6224%904
Net loans and leases to total assets49.2199%4,193
Net loans and leases to deposits58.2355%4,208
Net loans and leases to core deposits60.0212%4,260
Total domestic deposits to total assets84.5187%2,552
Equity capital to assets9.7061%3,470
Core capital (leverage) ratio9.7146%3,116
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$25,365,3334,968
Average earning assets$21,830,3334,970
Average equity$2,496,3334,998
Average total loans$13,213,0004,901
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9920%3,805
Cost of funding earning assets0.3544%4,503
Net interest margin3.6376%2,546
Noninterest income to average assets0.0966%4,838
Noninterest expense to average assets1.9964%4,399
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.9660%2,295
Return on assets (ROA)0.9660%2,399
Pretax return on assets1.2397%2,070
Return on Equity (ROE)9.7442%1,826
Retained earnings to average equity (ytd only)5.8465%1,936
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6915%3,532
Assets per employee ($millions)8.2343%679
Cash dividends to net income (ytd only)*40.0000%1,887
Condition Ratios (%)
Loss allowance to loans0.9976%3,724
Loan loss allowance to noncurrent loans61.0329%3,890
Noncurrent assets plus other real estate owned to assets0.8622%1,546
Noncurrent loans to loans1.6346%945
Net loans and leases to total assets52.2244%4,102
Net loans and leases to deposits58.1388%4,284
Net loans and leases to core deposits59.9322%4,358
Total domestic deposits to total assets89.8271%380
Equity capital to assets10.0393%3,747
Core capital (leverage) ratio9.6006%3,883
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$24,845,0005,019
Average earning assets$21,443,0005,019
Average equity$2,463,0005,048
Average total loans$13,255,0004,940
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1426%3,945
Cost of funding earning assets0.3592%4,572
Net interest margin3.7834%2,556
Noninterest income to average assets0.3300%3,729
Noninterest expense to average assets1.9758%4,573
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1718%2,170
Return on assets (ROA)1.1750%2,252
Pretax return on assets1.5372%1,694
Return on Equity (ROE)12.1252%1,462
Retained earnings to average equity (ytd only)6.0211%1,855
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3073%4,172
Assets per employee ($millions)8.3290%632
Cash dividends to net income (ytd only)*50.3425%2,018
Condition Ratios (%)
Loss allowance to loans0.9645%3,674
Loan loss allowance to noncurrent loans61.0329%3,914
Noncurrent assets plus other real estate owned to assets0.8524%1,509
Noncurrent loans to loans1.5802%891
Net loans and leases to total assets53.4238%4,118
Net loans and leases to deposits59.3289%4,316
Net loans and leases to core deposits61.1302%4,383
Total domestic deposits to total assets90.0468%310
Equity capital to assets9.7891%4,115
Core capital (leverage) ratio9.3403%4,235
Tier 1 risk-based capital ratio16.7382%2,141
Total risk-based capital ratio17.6385%2,205
Memoranda:
Average total assets$24,851,0005,076
Average earning assets$20,880,6005,081
Average equity$2,408,2005,111
Average total loans$13,080,6005,003
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1256%4,100
Cost of funding earning assets0.3598%4,629
Net interest margin3.7657%2,697
Noninterest income to average assets0.2847%4,035
Noninterest expense to average assets1.9986%4,562
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.0875%2,624
Return on assets (ROA)1.0960%2,679
Pretax return on assets1.4452%2,137
Return on Equity (ROE)11.3388%1,875
Retained earnings to average equity (ytd only)11.2279%487
Net charge-offs to loans0.0102%3,006
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)267.6617%346
Efficiency ratio58.2160%3,906
Assets per employee ($millions)8.6930%533
Cash dividends to net income (ytd only)*0.9817%3,548
Condition Ratios (%)
Loss allowance to loans0.9545%3,805
Loan loss allowance to noncurrent loans61.3527%3,972
Noncurrent assets plus other real estate owned to assets0.7937%1,738
Noncurrent loans to loans1.5557%956
Net loans and leases to total assets50.5349%4,396
Net loans and leases to deposits55.9737%4,552
Net loans and leases to core deposits57.5955%4,636
Total domestic deposits to total assets90.2834%217
Equity capital to assets9.5824%4,405
Core capital (leverage) ratio9.8603%3,776
Tier 1 risk-based capital ratio18.0602%1,796
Total risk-based capital ratio18.9885%1,843
Memoranda:
Average total assets$24,817,0005,153
Average earning assets$20,748,2505,160
Average equity$2,398,7505,188
Average total loans$12,981,0005,086
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0997%4,162
Cost of funding earning assets0.3506%4,675
Net interest margin3.7491%2,758
Noninterest income to average assets0.2623%4,182
Noninterest expense to average assets2.0413%4,531
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.0493%2,728
Return on assets (ROA)1.0493%2,799
Pretax return on assets1.3773%2,274
Return on Equity (ROE)10.8230%2,051
Retained earnings to average equity (ytd only)10.8230%577
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7122%3,776
Assets per employee ($millions)8.0163%666
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0344%3,420
Loan loss allowance to noncurrent loans61.5385%3,981
Noncurrent assets plus other real estate owned to assets0.8649%1,624
Noncurrent loans to loans1.6809%909
Net loans and leases to total assets50.9210%4,414
Net loans and leases to deposits56.6997%4,569
Net loans and leases to core deposits58.4925%4,623
Total domestic deposits to total assets89.8083%388
Equity capital to assets10.1002%3,887
Core capital (leverage) ratio9.9459%3,644
Tier 1 risk-based capital ratio17.5925%1,910
Total risk-based capital ratio18.5280%1,958
Memoranda:
Average total assets$24,396,3305,206
Average earning assets$20,538,3305,207
Average equity$2,365,3305,231
Average total loans$12,872,6705,136
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2199%3,807
Cost of funding earning assets0.3500%4,681
Net interest margin3.8699%2,283
Noninterest income to average assets0.2605%4,148
Noninterest expense to average assets2.0187%4,604
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1559%2,237
Return on assets (ROA)1.1559%2,294
Pretax return on assets1.4815%1,834
Return on Equity (ROE)12.1706%1,474
Retained earnings to average equity (ytd only)12.1706%583
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6744%4,121
Assets per employee ($millions)8.1260%644
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0268%3,540
Loan loss allowance to noncurrent loans61.8357%4,038
Noncurrent assets plus other real estate owned to assets0.8491%1,669
Noncurrent loans to loans1.6605%938
Net loans and leases to total assets50.6112%4,427
Net loans and leases to deposits56.1763%4,592
Net loans and leases to core deposits57.9222%4,645
Total domestic deposits to total assets90.0935%415
Equity capital to assets9.7383%4,056
Core capital (leverage) ratio9.4488%4,200
Tier 1 risk-based capital ratio17.1508%2,066
Total risk-based capital ratio18.0850%2,112
Memoranda:
Average total assets$24,570,0005,259
Average earning assets$20,569,0005,263
Average equity$2,333,5005,289
Average total loans$13,122,0005,185
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0678%3,847
Cost of funding earning assets0.3650%4,192
Net interest margin3.7028%3,023
Noninterest income to average assets0.2968%4,124
Noninterest expense to average assets2.0774%4,610
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.0552%2,778
Return on assets (ROA)1.0552%2,768
Pretax return on assets1.3973%2,145
Return on Equity (ROE)11.4819%1,905
Retained earnings to average equity (ytd only)6.9519%1,693
Net charge-offs to loans0.0000%3,782
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.7865%3,896
Assets per employee ($millions)8.2540%605
Cash dividends to net income (ytd only)*39.4531%2,544
Condition Ratios (%)
Loss allowance to loans0.9290%4,050
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets55.1248%4,198
Net loans and leases to deposits60.8886%4,436
Net loans and leases to core deposits62.7384%4,504
Total domestic deposits to total assets90.5339%316
Equity capital to assets9.2602%4,358
Core capital (leverage) ratio9.2430%4,407
Tier 1 risk-based capital ratio15.6273%2,566
Total risk-based capital ratio16.4997%2,655
Memoranda:
Average total assets$24,261,2005,305
Average earning assets$20,822,0005,306
Average equity$2,229,6005,338
Average total loans$13,394,8005,224
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9515%4,073
Cost of funding earning assets0.3545%4,152
Net interest margin3.5970%3,378
Noninterest income to average assets0.2983%4,153
Noninterest expense to average assets2.0771%4,596
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.9722%3,209
Return on assets (ROA)0.9722%3,221
Pretax return on assets1.3037%2,616
Return on Equity (ROE)10.6001%2,349
Retained earnings to average equity (ytd only)10.0580%906
Net charge-offs to loans0.0000%3,489
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4379%3,594
Assets per employee ($millions)6.2453%1,317
Cash dividends to net income (ytd only)*5.1138%3,520
Condition Ratios (%)
Loss allowance to loans0.9298%4,136
Loan loss allowance to noncurrent loans1,828.5714%357
Noncurrent assets plus other real estate owned to assets0.0280%4,846
Noncurrent loans to loans0.0508%4,666
Net loans and leases to total assets54.5975%4,315
Net loans and leases to deposits60.2350%4,534
Net loans and leases to core deposits62.0462%4,608
Total domestic deposits to total assets90.6409%305
Equity capital to assets9.1950%4,371
Core capital (leverage) ratio9.1627%4,553
Tier 1 risk-based capital ratio15.8185%2,520
Total risk-based capital ratio16.7000%2,606
Memoranda:
Average total assets$24,136,0005,376
Average earning assets$20,683,5005,377
Average equity$2,213,7505,407
Average total loans$13,299,0005,292
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8583%4,194
Cost of funding earning assets0.3623%3,994
Net interest margin3.4960%3,641
Noninterest income to average assets0.2851%4,275
Noninterest expense to average assets2.1128%4,576
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.8971%3,463
Return on assets (ROA)0.8971%3,472
Pretax return on assets1.1654%3,073
Return on Equity (ROE)9.7896%2,664
Retained earnings to average equity (ytd only)8.9661%1,231
Net charge-offs to loans0.0000%3,209
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4501%3,257
Assets per employee ($millions)6.0468%1,429
Cash dividends to net income (ytd only)*8.4112%3,342
Condition Ratios (%)
Loss allowance to loans0.9923%3,895
Loan loss allowance to noncurrent loans2,133.3333%319
Noncurrent assets plus other real estate owned to assets0.0248%4,905
Noncurrent loans to loans0.0465%4,711
Net loans and leases to total assets52.8011%4,424
Net loans and leases to deposits58.2273%4,631
Net loans and leases to core deposits60.0338%4,704
Total domestic deposits to total assets90.6809%335
Equity capital to assets9.2364%4,347
Core capital (leverage) ratio9.2352%4,434
Tier 1 risk-based capital ratio16.3352%2,317
Total risk-based capital ratio17.2711%2,368
Memoranda:
Average total assets$23,854,3305,441
Average earning assets$20,423,3305,443
Average equity$2,186,0005,473
Average total loans$13,143,0005,356
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6062%4,691
Cost of funding earning assets0.3528%3,964
Net interest margin3.2534%4,304
Noninterest income to average assets0.3546%3,778
Noninterest expense to average assets2.1952%4,430
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7430%3,930
Return on assets (ROA)0.7430%3,932
Pretax return on assets0.9625%3,657
Return on Equity (ROE)8.1406%3,319
Retained earnings to average equity (ytd only)8.1406%1,787
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5187%2,569
Assets per employee ($millions)5.8175%1,665
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9636%4,148
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 assets56.5363%4,078
Net loans and leases to deposits62.4632%4,308
Net loans and leases to core deposits64.4839%4,397
Total domestic deposits to total assets90.5114%471
Equity capital to assets9.3640%4,218
Core capital (leverage) ratio9.1477%4,510
Tier 1 risk-based capital ratio15.3424%2,720
Total risk-based capital ratio16.2432%2,800
Memoranda:
Average total assets$23,688,0005,501
Average earning assets$20,409,5005,502
Average equity$2,162,0005,532
Average total loans$13,265,0005,418
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8274%3,954
Cost of funding earning assets0.4147%3,101
Net interest margin3.4127%3,808
Noninterest income to average assets0.3140%4,217
Noninterest expense to average assets2.1100%4,740
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.7787%3,253
Return on assets (ROA)0.7787%3,294
Pretax return on assets1.0634%3,330
Return on Equity (ROE)8.7480%2,431
Retained earnings to average equity (ytd only)3.6685%3,045
Net charge-offs to loans0.0456%2,873
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)42.3333%1,211
Efficiency ratio66.4908%3,172
Assets per employee ($millions)6.0265%1,502
Cash dividends to net income (ytd only)*58.0645%1,846
Condition Ratios (%)
Loss allowance to loans0.9663%4,122
Loan loss allowance to noncurrent loans2,133.3333%347
Noncurrent assets plus other real estate owned to assets0.0249%5,031
Noncurrent loans to loans0.0453%4,794
Net loans and leases to total assets54.4180%4,323
Net loans and leases to deposits59.8258%4,576
Net loans and leases to core deposits61.6795%4,677
Total domestic deposits to total assets90.9608%247
Equity capital to assets8.8982%4,819
Core capital (leverage) ratio8.7593%4,891
Tier 1 risk-based capital ratio14.8532%2,904
Total risk-based capital ratio15.7437%3,015
Memoranda:
Average total assets$23,885,8005,559
Average earning assets$20,013,4005,565
Average equity$2,126,2005,599
Average total loans$13,163,8005,481
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7743%4,085
Cost of funding earning assets0.4127%3,064
Net interest margin3.3616%3,977
Noninterest income to average assets0.3189%4,254
Noninterest expense to average assets2.0645%4,815
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.8225%3,426
Return on assets (ROA)0.8225%3,462
Pretax return on assets1.0798%3,384
Return on Equity (ROE)9.2387%2,477
Retained earnings to average equity (ytd only)9.2387%778
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6584%3,270
Assets per employee ($millions)6.2485%1,340
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9130%4,500
Loan loss allowance to noncurrent loans400.0000%1,266
Noncurrent assets plus other real estate owned to assets0.1280%4,601
Noncurrent loans to loans0.2283%4,151
Net loans and leases to total assets55.5773%4,268
Net loans and leases to deposits60.9977%4,580
Net loans and leases to core deposits62.8154%4,662
Total domestic deposits to total assets91.1139%158
Equity capital to assets8.8101%5,072
Core capital (leverage) ratio9.2618%4,450
Tier 1 risk-based capital ratio14.5039%3,178
Total risk-based capital ratio15.3466%3,308
Memoranda:
Average total assets$23,830,7505,623
Average earning assets$20,029,5005,632
Average equity$2,121,5005,663
Average total loans$13,143,2505,545
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7627%4,023
Cost of funding earning assets0.4169%2,915
Net interest margin3.3458%3,966
Noninterest income to average assets0.2815%4,542
Noninterest expense to average assets2.1158%4,743
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7422%3,658
Return on assets (ROA)0.7422%3,724
Pretax return on assets0.9726%3,681
Return on Equity (ROE)8.3068%2,871
Retained earnings to average equity (ytd only)8.3068%1,053
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.5083%2,922
Assets per employee ($millions)5.7545%1,649
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9846%4,240
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,332
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets55.9215%4,234
Net loans and leases to deposits61.6830%4,523
Net loans and leases to core deposits63.6912%4,624
Total domestic deposits to total assets90.6595%308
Equity capital to assets9.2971%4,622
Core capital (leverage) ratio9.0544%4,663
Tier 1 risk-based capital ratio15.1773%2,851
Total risk-based capital ratio16.0851%2,923
Memoranda:
Average total assets$23,443,0005,675
Average earning assets$19,666,6705,685
Average equity$2,094,6705,713
Average total loans$12,851,3305,596
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7062%4,106
Cost of funding earning assets0.4073%2,925
Net interest margin3.2990%4,011
Noninterest income to average assets0.2367%4,845
Noninterest expense to average assets2.0629%4,917
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.6933%3,741
Return on assets (ROA)0.6933%3,777
Pretax return on assets0.9131%3,715
Return on Equity (ROE)7.9151%2,965
Retained earnings to average equity (ytd only)7.9151%1,499
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3182%2,995
Assets per employee ($millions)6.0473%1,474
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.9917%4,340
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,400
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets52.8298%4,441
Net loans and leases to deposits57.8707%4,710
Net loans and leases to core deposits59.6481%4,794
Total domestic deposits to total assets91.2894%213
Equity capital to assets8.6196%5,136
Core capital (leverage) ratio8.7414%5,005
Tier 1 risk-based capital ratio14.8578%3,044
Total risk-based capital ratio15.7700%3,122
Memoranda:
Average total assets$23,655,5005,739
Average earning assets$19,642,5005,755
Average equity$2,072,0005,779
Average total loans$12,777,0005,661
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8065%3,892
Cost of funding earning assets0.4584%2,459
Net interest margin3.3480%4,002
Noninterest income to average assets0.3249%4,413
Noninterest expense to average assets2.0661%5,064
Loan and lease loss provision to assets0.0433%3,514
Net operating income to assets0.7970%3,316
Return on assets (ROA)0.7970%3,415
Pretax return on assets1.0309%3,362
Return on Equity (ROE)8.3865%2,750
Retained earnings to average equity (ytd only)8.3865%742
Net charge-offs to loans0.0488%3,066
Credit loss provision to net charge-offs166.6667%1,656
Earnings coverage of net charge-offs (x)41.3333%1,151
Efficiency ratio65.7931%3,629
Assets per employee ($millions)5.7805%1,635
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.0121%4,240
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,456
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets54.1432%4,437
Net loans and leases to deposits59.4953%4,711
Net loans and leases to core deposits61.4158%4,781
Total domestic deposits to total assets91.0042%280
Equity capital to assets8.9049%4,903
Core capital (leverage) ratio8.5124%5,250
Tier 1 risk-based capital ratio15.3251%2,833
Total risk-based capital ratio16.2773%2,887
Memoranda:
Average total assets$23,086,6005,802
Average earning assets$19,414,4005,813
Average equity$2,194,0005,827
Average total loans$12,285,8005,724
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8600%3,730
Cost of funding earning assets0.4610%2,455
Net interest margin3.3990%3,841
Noninterest income to average assets0.3351%4,387
Noninterest expense to average assets2.0625%5,079
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.8608%3,093
Return on assets (ROA)0.8608%3,223
Pretax return on assets1.1266%3,130
Return on Equity (ROE)8.9175%2,546
Retained earnings to average equity (ytd only)8.9175%842
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6739%3,824
Assets per employee ($millions)6.0140%1,424
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9184%4,816
Loan loss allowance to noncurrent loans2,460.0000%287
Noncurrent assets plus other real estate owned to assets0.0208%5,433
Noncurrent loans to loans0.0373%5,218
Net loans and leases to total assets55.1630%4,389
Net loans and leases to deposits60.6823%4,706
Net loans and leases to core deposits62.5619%4,801
Total domestic deposits to total assets90.9046%212
Equity capital to assets8.9874%5,191
Core capital (leverage) ratio9.3017%4,455
Tier 1 risk-based capital ratio14.9506%3,079
Total risk-based capital ratio15.8011%3,199
Memoranda:
Average total assets$23,077,7505,862
Average earning assets$19,377,7505,876
Average equity$2,227,7505,885
Average total loans$12,195,5005,785
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0398%3,102
Cost of funding earning assets0.4759%2,306
Net interest margin3.5639%3,236
Noninterest income to average assets0.3077%4,583
Noninterest expense to average assets2.0922%5,077
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.8966%2,878
Return on assets (ROA)0.8966%3,004
Pretax return on assets1.1779%2,869
Return on Equity (ROE)9.0680%2,468
Retained earnings to average equity (ytd only)9.0680%831
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9785%4,017
Assets per employee ($millions)5.5525%1,739
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.0886%4,004
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,652
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets50.7294%4,793
Net loans and leases to deposits56.3266%4,991
Net loans and leases to core deposits58.2364%5,059
Total domestic deposits to total assets90.0630%467
Equity capital to assets9.7118%4,547
Core capital (leverage) ratio9.2918%4,467
Tier 1 risk-based capital ratio17.0483%2,200
Total risk-based capital ratio18.0516%2,256
Memoranda:
Average total assets$22,751,6705,940
Average earning assets$18,911,6705,955
Average equity$2,249,6705,958
Average total loans$11,796,3305,868
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8071%3,918
Cost of funding earning assets0.4602%2,462
Net interest margin3.3469%4,055
Noninterest income to average assets0.2780%4,732
Noninterest expense to average assets2.0675%5,185
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.7645%3,418
Return on assets (ROA)0.7645%3,527
Pretax return on assets0.9903%3,519
Return on Equity (ROE)7.6655%3,103
Retained earnings to average equity (ytd only)7.6655%1,605
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6136%3,525
Assets per employee ($millions)5.8478%1,534
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0615%4,277
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,696
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets49.4122%4,851
Net loans and leases to deposits55.0093%5,034
Net loans and leases to core deposits56.7821%5,097
Total domestic deposits to total assets89.8251%664
Equity capital to assets9.9098%4,198
Core capital (leverage) ratio10.1322%3,388
Tier 1 risk-based capital ratio17.9245%2,004
Total risk-based capital ratio18.8913%2,056
Memoranda:
Average total assets$23,022,5006,000
Average earning assets$19,122,0006,013
Average equity$2,296,0006,014
Average total loans$11,999,0005,920
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7910%4,072
Cost of funding earning assets0.5271%1,947
Net interest margin3.2639%4,426
Noninterest income to average assets0.3868%4,140
Noninterest expense to average assets2.2184%5,013
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.8002%3,340
Return on assets (ROA)0.8002%3,425
Pretax return on assets1.0314%3,344
Return on Equity (ROE)8.0314%2,943
Retained earnings to average equity (ytd only)4.9081%2,488
Net charge-offs to loans0.0000%4,462
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2627%3,516
Assets per employee ($millions)5.6635%1,644
Cash dividends to net income (ytd only)*38.8889%2,896
Condition Ratios (%)
Loss allowance to loans1.0068%4,562
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,750
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets53.8183%4,524
Net loans and leases to deposits59.9852%4,781
Net loans and leases to core deposits61.9827%4,879
Total domestic deposits to total assets89.7193%746
Equity capital to assets10.0380%3,916
Core capital (leverage) ratio9.9956%3,515
Tier 1 risk-based capital ratio17.1983%2,219
Total risk-based capital ratio18.1424%2,271
Memoranda:
Average total assets$22,494,0006,066
Average earning assets$19,730,8006,063
Average equity$2,241,2006,073
Average total loans$11,823,2005,976
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7517%4,255
Cost of funding earning assets0.5254%1,996
Net interest margin3.2263%4,591
Noninterest income to average assets0.3978%4,100
Noninterest expense to average assets2.1733%5,121
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.8135%3,368
Return on assets (ROA)0.8135%3,457
Pretax return on assets1.0688%3,334
Return on Equity (ROE)8.1800%2,979
Retained earnings to average equity (ytd only)8.1800%1,179
Net charge-offs to loans0.0000%4,182
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0330%3,704
Assets per employee ($millions)5.6568%1,627
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.0172%4,655
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,840
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets53.3257%4,638
Net loans and leases to deposits59.4824%4,894
Net loans and leases to core deposits61.4671%4,971
Total domestic deposits to total assets89.6495%713
Equity capital to assets10.1737%3,967
Core capital (leverage) ratio10.2167%3,352
Tier 1 risk-based capital ratio17.5747%2,165
Total risk-based capital ratio18.5276%2,220
Memoranda:
Average total assets$22,454,0006,151
Average earning assets$19,795,2506,146
Average equity$2,233,0006,159
Average total loans$11,700,0006,054
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6980%4,416
Cost of funding earning assets0.5326%1,961
Net interest margin3.1654%4,768
Noninterest income to average assets0.3929%4,133
Noninterest expense to average assets2.2057%5,103
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.7591%3,599
Return on assets (ROA)0.7591%3,698
Pretax return on assets1.0002%3,592
Return on Equity (ROE)7.6923%3,211
Retained earnings to average equity (ytd only)7.6923%1,389
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8022%3,535
Assets per employee ($millions)5.4870%1,754
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0871%4,396
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,929
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets51.4033%4,807
Net loans and leases to deposits57.3593%5,034
Net loans and leases to core deposits59.3321%5,115
Total domestic deposits to total assets89.6164%834
Equity capital to assets10.2515%3,745
Core capital (leverage) ratio9.9550%3,675
Tier 1 risk-based capital ratio18.1221%2,034
Total risk-based capital ratio19.1275%2,061
Memoranda:
Average total assets$22,396,3306,225
Average earning assets$19,902,6706,220
Average equity$2,210,0006,232
Average total loans$11,536,6706,125
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5875%4,727
Cost of funding earning assets0.5352%1,969
Net interest margin3.0524%5,073
Noninterest income to average assets0.3006%4,769
Noninterest expense to average assets2.2634%4,961
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.6012%4,285
Return on assets (ROA)0.6012%4,380
Pretax return on assets0.7604%4,391
Return on Equity (ROE)6.2100%3,925
Retained earnings to average equity (ytd only)6.2100%2,373
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8538%2,678
Assets per employee ($millions)5.7160%1,612
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0735%4,643
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,987
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets49.9781%4,854
Net loans and leases to deposits55.4278%5,086
Net loans and leases to core deposits57.2409%5,172
Total domestic deposits to total assets90.1679%668
Equity capital to assets9.6790%4,532
Core capital (leverage) ratio9.2700%4,625
Tier 1 risk-based capital ratio17.2070%2,403
Total risk-based capital ratio18.1971%2,451
Memoranda:
Average total assets$22,620,5006,288
Average earning assets$20,181,0006,280
Average equity$2,190,0006,300
Average total loans$11,602,0006,184
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6449%4,948
Cost of funding earning assets0.6260%1,567
Net interest margin3.0189%5,406
Noninterest income to average assets0.3318%4,736
Noninterest expense to average assets2.0828%5,615
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.6763%4,008
Return on assets (ROA)0.7074%3,969
Pretax return on assets0.8995%3,906
Return on Equity (ROE)7.6149%3,316
Retained earnings to average equity (ytd only)4.3245%3,114
Net charge-offs to loans0.0182%4,489
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)98.5000%533
Efficiency ratio70.7715%3,423
Assets per employee ($millions)5.5943%1,692
Cash dividends to net income (ytd only)*43.2099%2,682
Condition Ratios (%)
Loss allowance to loans1.0641%4,737
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,115
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets51.5217%4,831
Net loans and leases to deposits57.1705%5,114
Net loans and leases to core deposits59.0837%5,195
Total domestic deposits to total assets90.1193%685
Equity capital to assets9.6841%4,488
Core capital (leverage) ratio9.4743%4,280
Tier 1 risk-based capital ratio17.2359%2,408
Total risk-based capital ratio18.2299%2,481
Memoranda:
Average total assets$22,902,2006,374
Average earning assets$19,808,4006,370
Average equity$2,127,4006,387
Average total loans$10,979,6006,287
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7005%4,857
Cost of funding earning assets0.6371%1,544
Net interest margin3.0635%5,351
Noninterest income to average assets0.3184%4,888
Noninterest expense to average assets2.0491%5,679
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.6715%4,099
Return on assets (ROA)0.6715%4,186
Pretax return on assets0.8856%4,053
Return on Equity (ROE)7.3039%3,551
Retained earnings to average equity (ytd only)7.3039%1,672
Net charge-offs to loans-0.0247%5,674
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8225%3,543
Assets per employee ($millions)5.7670%1,512
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.1841%4,315
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,218
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets45.9424%5,380
Net loans and leases to deposits50.8688%5,589
Net loans and leases to core deposits52.5147%5,656
Total domestic deposits to total assets90.3156%609
Equity capital to assets9.4720%4,829
Core capital (leverage) ratio9.4112%4,497
Tier 1 risk-based capital ratio18.4710%2,064
Total risk-based capital ratio19.5510%2,078
Memoranda:
Average total assets$23,033,5006,447
Average earning assets$19,672,2506,449
Average equity$2,117,5006,464
Average total loans$10,811,2506,365
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6530%5,000
Cost of funding earning assets0.6512%1,502
Net interest margin3.0018%5,516
Noninterest income to average assets0.3041%4,971
Noninterest expense to average assets2.0502%5,725
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.6168%4,264
Return on assets (ROA)0.6168%4,367
Pretax return on assets0.8166%4,209
Return on Equity (ROE)6.7780%3,727
Retained earnings to average equity (ytd only)6.7780%1,883
Net charge-offs to loans-0.0369%5,757
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5152%3,431
Assets per employee ($millions)5.7493%1,479
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1895%4,468
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,288
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets46.2365%5,338
Net loans and leases to deposits51.0932%5,555
Net loans and leases to core deposits52.7457%5,627
Total domestic deposits to total assets90.4944%590
Equity capital to assets9.3230%4,957
Core capital (leverage) ratio9.0453%4,953
Tier 1 risk-based capital ratio17.9866%2,246
Total risk-based capital ratio19.0685%2,274
Memoranda:
Average total assets$23,022,0006,516
Average earning assets$19,655,0006,513
Average equity$2,095,0006,524
Average total loans$10,840,0006,422
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6479%5,013
Cost of funding earning assets0.6521%1,570
Net interest margin2.9957%5,533
Noninterest income to average assets0.2778%5,148
Noninterest expense to average assets1.9796%5,922
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6425%3,984
Return on assets (ROA)0.6425%4,074
Pretax return on assets0.8509%3,897
Return on Equity (ROE)7.1480%3,386
Retained earnings to average equity (ytd only)7.1480%1,956
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9387%3,846
Assets per employee ($millions)5.9338%1,349
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1841%4,713
Loan loss allowance to noncurrent loans4,200.0000%149
Noncurrent assets plus other real estate owned to assets0.0126%6,289
Noncurrent loans to loans0.0282%6,071
Net loans and leases to total assets44.3017%5,481
Net loans and leases to deposits48.6828%5,693
Net loans and leases to core deposits50.1981%5,749
Total domestic deposits to total assets91.0006%567
Equity capital to assets8.8266%5,300
Core capital (leverage) ratio8.8673%5,180
Tier 1 risk-based capital ratio17.4322%2,498
Total risk-based capital ratio18.4806%2,542
Memoranda:
Average total assets$23,034,5006,585
Average earning assets$19,628,0006,582
Average equity$2,070,5006,592
Average total loans$10,879,5006,490
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8077%4,793
Cost of funding earning assets0.7809%1,318
Net interest margin3.0267%5,515
Noninterest income to average assets0.3468%4,844
Noninterest expense to average assets2.0321%5,967
Loan and lease loss provision to assets0.0044%5,028
Net operating income to assets0.7292%3,661
Return on assets (ROA)0.7292%3,749
Pretax return on assets0.9471%3,570
Return on Equity (ROE)8.1212%2,972
Retained earnings to average equity (ytd only)4.6548%2,851
Net charge-offs to loans0.0000%5,475
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.1073%4,179
Assets per employee ($millions)5.5835%1,578
Cash dividends to net income (ytd only)*42.6829%2,668
Condition Ratios (%)
Loss allowance to loans1.1333%4,981
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,461
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets49.2164%5,170
Net loans and leases to deposits54.4779%5,431
Net loans and leases to core deposits56.2942%5,511
Total domestic deposits to total assets90.3421%905
Equity capital to assets9.1609%4,850
Core capital (leverage) ratio8.9310%5,109
Tier 1 risk-based capital ratio17.0047%2,602
Total risk-based capital ratio18.0519%2,663
Memoranda:
Average total assets$22,489,6006,667
Average earning assets$19,592,0006,665
Average equity$2,019,4006,681
Average total loans$11,526,6006,537
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8091%4,822
Cost of funding earning assets0.7987%1,330
Net interest margin3.0105%5,565
Noninterest income to average assets0.3433%4,946
Noninterest expense to average assets2.0182%5,976
Loan and lease loss provision to assets0.0059%4,853
Net operating income to assets0.7043%3,838
Return on assets (ROA)0.7043%3,971
Pretax return on assets0.9292%3,767
Return on Equity (ROE)7.8827%3,181
Retained earnings to average equity (ytd only)7.8827%1,463
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3367%4,029
Assets per employee ($millions)5.6695%1,480
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.1022%5,323
Loan loss allowance to noncurrent loans74.1176%4,266
Noncurrent assets plus other real estate owned to assets0.7496%4,231
Noncurrent loans to loans1.4871%2,934
Net loans and leases to total assets49.8545%5,156
Net loans and leases to deposits54.9662%5,457
Net loans and leases to core deposits56.7627%5,554
Total domestic deposits to total assets90.7002%655
Equity capital to assets9.1322%5,014
Core capital (leverage) ratio9.1310%4,921
Tier 1 risk-based capital ratio16.7883%2,815
Total risk-based capital ratio17.8097%2,879
Memoranda:
Average total assets$22,528,5006,741
Average earning assets$19,531,5006,740
Average equity$2,012,7506,765
Average total loans$11,628,7506,604
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7531%4,980
Cost of funding earning assets0.8261%1,279
Net interest margin2.9270%5,733
Noninterest income to average assets0.3025%5,286
Noninterest expense to average assets2.0642%5,935
Loan and lease loss provision to assets0.0089%4,684
Net operating income to assets0.5961%4,305
Return on assets (ROA)0.5961%4,489
Pretax return on assets0.7830%4,377
Return on Equity (ROE)6.7224%3,759
Retained earnings to average equity (ytd only)6.7224%2,024
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2741%3,424
Assets per employee ($millions)5.4860%1,603
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0965%5,462
Loan loss allowance to noncurrent loans74.1176%4,249
Noncurrent assets plus other real estate owned to assets0.7747%4,287
Noncurrent loans to loans1.4794%3,087
Net loans and leases to total assets51.7909%4,889
Net loans and leases to deposits57.1536%5,232
Net loans and leases to core deposits58.0291%5,420
Total domestic deposits to total assets90.6170%697
Equity capital to assets9.2326%4,945
Core capital (leverage) ratio8.9901%5,004
Tier 1 risk-based capital ratio16.4208%2,972
Total risk-based capital ratio17.4420%3,046
Memoranda:
Average total assets$22,478,6706,792
Average earning assets$19,610,3306,786
Average equity$1,993,3306,818
Average total loans$11,694,3306,643
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6167%5,405
Cost of funding earning assets0.8439%1,282
Net interest margin2.7728%6,083
Noninterest income to average assets0.2814%5,449
Noninterest expense to average assets1.9520%6,196
Loan and lease loss provision to assets0.0176%4,246
Net operating income to assets0.5803%4,310
Return on assets (ROA)0.5803%4,460
Pretax return on assets0.7386%4,415
Return on Equity (ROE)6.6768%3,676
Retained earnings to average equity (ytd only)6.6768%2,325
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0779%3,599
Assets per employee ($millions)5.9203%1,321
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.0827%5,680
Loan loss allowance to noncurrent loans73.6842%4,183
Noncurrent assets plus other real estate owned to assets0.7221%4,562
Noncurrent loans to loans1.4693%3,357
Net loans and leases to total assets48.6128%5,164
Net loans and leases to deposits53.1732%5,506
Net loans and leases to core deposits53.9204%5,669
Total domestic deposits to total assets91.4235%378
Equity capital to assets8.4118%6,090
Core capital (leverage) ratio8.7231%5,294
Tier 1 risk-based capital ratio15.4048%3,591
Total risk-based capital ratio16.3792%3,704
Memoranda:
Average total assets$22,746,0006,862
Average earning assets$19,907,5006,853
Average equity$1,977,0006,883
Average total loans$11,796,0006,706
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0769%5,028
Cost of funding earning assets1.1399%770
Net interest margin2.9370%6,161
Noninterest income to average assets0.3104%5,231
Noninterest expense to average assets2.1491%6,024
Loan and lease loss provision to assets0.3339%2,026
Net operating income to assets0.4326%4,959
Return on assets (ROA)0.4326%5,199
Pretax return on assets0.5173%5,227
Return on Equity (ROE)4.7160%4,829
Retained earnings to average equity (ytd only)2.9731%4,138
Net charge-offs to loans0.1344%4,335
Credit loss provision to net charge-offs417.6471%576
Earnings coverage of net charge-offs (x)10.6471%2,122
Efficiency ratio71.6301%3,493
Assets per employee ($millions)5.4528%1,731
Cash dividends to net income (ytd only)*36.9565%3,034
Condition Ratios (%)
Loss allowance to loans1.0540%5,748
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.4997%5,225
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets54.2295%4,589
Net loans and leases to deposits59.7525%5,050
Net loans and leases to core deposits60.6720%5,299
Total domestic deposits to total assets90.7570%590
Equity capital to assets8.9955%5,528
Core capital (leverage) ratio8.7789%5,208
Tier 1 risk-based capital ratio15.3485%3,514
Total risk-based capital ratio16.3342%3,625
Memoranda:
Average total assets$21,265,2006,940
Average earning assets$19,475,8006,916
Average equity$1,950,8006,957
Average total loans$12,649,0006,751
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0627%5,316
Cost of funding earning assets1.1647%813
Net interest margin2.8980%6,364
Noninterest income to average assets0.3029%5,361
Noninterest expense to average assets2.1329%6,105
Loan and lease loss provision to assets0.0884%4,502
Net operating income to assets0.5742%4,501
Return on assets (ROA)0.5742%4,775
Pretax return on assets0.7509%4,674
Return on Equity (ROE)6.2284%4,214
Retained earnings to average equity (ytd only)6.2284%2,541
Net charge-offs to loans0.1663%3,789
Credit loss provision to net charge-offs87.5000%3,382
Earnings coverage of net charge-offs (x)8.3136%2,467
Efficiency ratio71.7622%3,371
Assets per employee ($millions)5.4780%1,657
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.5184%6,941
Loan loss allowance to noncurrent loans38.5475%5,715
Noncurrent assets plus other real estate owned to assets1.3189%3,652
Noncurrent loans to loans1.3448%3,779
Net loans and leases to total assets60.4326%3,686
Net loans and leases to deposits66.6969%4,376
Net loans and leases to core deposits66.6969%4,877
Total domestic deposits to total assets90.6079%553
Equity capital to assets9.1046%5,703
Core capital (leverage) ratio9.4389%4,363
Tier 1 risk-based capital ratio14.5493%4,150
Total risk-based capital ratio15.0525%4,645
Memoranda:
Average total assets$21,128,7507,033
Average earning assets$19,461,2507,008
Average equity$1,948,0007,047
Average total loans$12,822,7506,834
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9576%5,764
Cost of funding earning assets1.1852%878
Net interest margin2.7724%6,619
Noninterest income to average assets0.3067%5,360
Noninterest expense to average assets2.1373%6,164
Loan and lease loss provision to assets0.0575%4,942
Net operating income to assets0.5367%4,646
Return on assets (ROA)0.5367%4,920
Pretax return on assets0.6901%4,858
Return on Equity (ROE)5.7961%4,426
Retained earnings to average equity (ytd only)5.7961%2,828
Net charge-offs to loans-0.0632%6,731
Credit loss provision to net charge-offs-150.0000%6,102
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0864%3,060
Assets per employee ($millions)5.1175%2,009
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.6026%6,933
Loan loss allowance to noncurrent loans29.8893%6,164
Noncurrent assets plus other real estate owned to assets1.3776%3,674
Noncurrent loans to loans2.0162%2,933
Net loans and leases to total assets65.2662%2,806
Net loans and leases to deposits72.4276%3,549
Net loans and leases to core deposits72.4276%4,250
Total domestic deposits to total assets90.1124%864
Equity capital to assets9.5750%4,942
Core capital (leverage) ratio9.3338%4,404
Tier 1 risk-based capital ratio14.5046%4,102
Total risk-based capital ratio15.1040%4,530
Memoranda:
Average total assets$20,867,6707,097
Average earning assets$19,405,6707,067
Average equity$1,932,3307,100
Average total loans$12,660,0006,897
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9613%5,882
Cost of funding earning assets1.2173%909
Net interest margin2.7440%6,723
Noninterest income to average assets0.2848%5,596
Noninterest expense to average assets2.1076%6,257
Loan and lease loss provision to assets0.0570%4,696
Net operating income to assets0.5127%4,769
Return on assets (ROA)0.5127%4,980
Pretax return on assets0.6456%4,950
Return on Equity (ROE)5.6294%4,482
Retained earnings to average equity (ytd only)5.6294%3,179
Net charge-offs to loans-0.0652%6,645
Credit loss provision to net charge-offs-150.0000%5,549
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0000%2,938
Assets per employee ($millions)5.3488%1,837
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.6269%6,956
Loan loss allowance to noncurrent loans26.7606%6,312
Noncurrent assets plus other real estate owned to assets1.3788%3,811
Noncurrent loans to loans2.3425%2,755
Net loans and leases to total assets56.3122%4,328
Net loans and leases to deposits62.0935%4,905
Net loans and leases to core deposits62.0935%5,314
Total domestic deposits to total assets90.6894%693
Equity capital to assets9.0301%5,446
Core capital (leverage) ratio9.2626%4,419
Tier 1 risk-based capital ratio15.1363%3,660
Total risk-based capital ratio15.7317%4,088
Memoranda:
Average total assets$21,066,5007,156
Average earning assets$19,387,5007,125
Average equity$1,918,5007,160
Average total loans$12,269,5006,967
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1952%6,065
Cost of funding earning assets1.2777%1,585
Net interest margin2.9175%6,660
Noninterest income to average assets0.3613%4,930
Noninterest expense to average assets2.2026%6,262
Loan and lease loss provision to assets0.0297%6,198
Net operating income to assets0.6336%3,813
Return on assets (ROA)0.6336%4,015
Pretax return on assets0.8415%3,815
Return on Equity (ROE)6.7023%3,536
Retained earnings to average equity (ytd only)2.1468%4,688
Net charge-offs to loans0.2142%4,448
Credit loss provision to net charge-offs24.0000%5,863
Earnings coverage of net charge-offs (x)7.0400%2,409
Efficiency ratio71.6586%3,647
Assets per employee ($millions)6.9127%767
Cash dividends to net income (ytd only)*67.9688%1,220
Condition Ratios (%)
Loss allowance to loans0.5719%7,037
Loan loss allowance to noncurrent loans70.2970%4,036
Noncurrent assets plus other real estate owned to assets0.5401%5,621
Noncurrent loans to loans0.8135%5,066
Net loans and leases to total assets59.5236%4,075
Net loans and leases to deposits65.7610%4,773
Net loans and leases to core deposits65.7610%5,279
Total domestic deposits to total assets90.5150%711
Equity capital to assets9.1860%5,315
Core capital (leverage) ratio9.1631%4,523
Tier 1 risk-based capital ratio14.5687%3,923
Total risk-based capital ratio15.1117%4,388
Memoranda:
Average total assets$20,203,0007,203
Average earning assets$18,783,4007,168
Average equity$1,909,8007,222
Average total loans$11,672,2007,048
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2598%6,065
Cost of funding earning assets1.2915%1,757
Net interest margin2.9683%6,638
Noninterest income to average assets0.3919%4,724
Noninterest expense to average assets2.2854%6,075
Loan and lease loss provision to assets0.0399%5,945
Net operating income to assets0.6510%3,869
Return on assets (ROA)0.6510%4,039
Pretax return on assets0.8304%4,013
Return on Equity (ROE)6.8373%3,592
Retained earnings to average equity (ytd only)6.8373%2,054
Net charge-offs to loans0.3018%3,581
Credit loss provision to net charge-offs23.0769%5,519
Earnings coverage of net charge-offs (x)5.0378%2,891
Efficiency ratio72.4211%3,469
Assets per employee ($millions)6.9180%771
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.6286%7,049
Loan loss allowance to noncurrent loans57.8512%4,568
Noncurrent assets plus other real estate owned to assets0.6360%5,550
Noncurrent loans to loans1.0866%4,738
Net loans and leases to total assets53.3198%5,273
Net loans and leases to deposits59.0754%5,739
Net loans and leases to core deposits59.0754%6,051
Total domestic deposits to total assets90.2573%744
Equity capital to assets9.4536%5,160
Core capital (leverage) ratio9.4065%4,295
Tier 1 risk-based capital ratio16.2431%2,997
Total risk-based capital ratio16.8226%3,306
Memoranda:
Average total assets$20,069,2507,279
Average earning assets$18,685,7507,241
Average equity$1,911,0007,296
Average total loans$11,486,5007,123
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2754%6,092
Cost of funding earning assets1.3205%1,823
Net interest margin2.9549%6,686
Noninterest income to average assets0.3629%4,974
Noninterest expense to average assets2.3184%6,074
Loan and lease loss provision to assets0.0302%5,929
Net operating income to assets0.5846%4,135
Return on assets (ROA)0.5846%4,266
Pretax return on assets0.7661%4,158
Return on Equity (ROE)6.1246%3,901
Retained earnings to average equity (ytd only)6.1246%2,345
Net charge-offs to loans0.2585%3,592
Credit loss provision to net charge-offs20.0000%5,133
Earnings coverage of net charge-offs (x)5.2667%2,652
Efficiency ratio74.4337%3,283
Assets per employee ($millions)4.9575%2,189
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.6837%7,037
Loan loss allowance to noncurrent loans89.7727%3,167
Noncurrent assets plus other real estate owned to assets0.4438%6,036
Noncurrent loans to loans0.7616%5,385
Net loans and leases to total assets57.8719%4,656
Net loans and leases to deposits64.3021%5,233
Net loans and leases to core deposits64.3021%5,693
Total domestic deposits to total assets90.0000%976
Equity capital to assets9.6974%4,540
Core capital (leverage) ratio9.6891%3,674
Tier 1 risk-based capital ratio15.6903%3,135
Total risk-based capital ratio16.3349%3,418
Memoranda:
Average total assets$19,841,0007,355
Average earning assets$18,478,0007,318
Average equity$1,894,0007,365
Average total loans$11,603,3307,187
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2572%6,130
Cost of funding earning assets1.3467%1,906
Net interest margin2.9105%6,739
Noninterest income to average assets0.3829%4,854
Noninterest expense to average assets2.2170%6,384
Loan and lease loss provision to assets0.0403%5,489
Net operating income to assets0.6248%3,893
Return on assets (ROA)0.6248%3,961
Pretax return on assets0.8263%3,804
Return on Equity (ROE)6.5975%3,578
Retained earnings to average equity (ytd only)6.5975%2,326
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8954%3,889
Assets per employee ($millions)5.0848%2,044
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.8073%6,902
Loan loss allowance to noncurrent loans67.6471%4,035
Noncurrent assets plus other real estate owned to assets0.6687%5,624
Noncurrent loans to loans1.1934%4,692
Net loans and leases to total assets55.5780%5,066
Net loans and leases to deposits61.4415%5,576
Net loans and leases to core deposits61.4415%5,977
Total domestic deposits to total assets90.4568%865
Equity capital to assets9.3171%4,699
Core capital (leverage) ratio9.4059%3,951
Tier 1 risk-based capital ratio15.5647%3,130
Total risk-based capital ratio16.3203%3,346
Memoranda:
Average total assets$19,846,5007,409
Average earning assets$18,416,0007,377
Average equity$1,879,5007,417
Average total loans$11,627,5007,245
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5839%6,158
Cost of funding earning assets1.4910%2,699
Net interest margin3.0929%6,539
Noninterest income to average assets0.4546%4,484
Noninterest expense to average assets2.5155%5,731
Loan and lease loss provision to assets0.0556%6,587
Net operating income to assets0.5506%3,886
Return on assets (ROA)0.5506%4,041
Pretax return on assets0.7021%3,969
Return on Equity (ROE)5.8158%3,693
Retained earnings to average equity (ytd only)2.0809%4,425
Net charge-offs to loans0.0487%6,309
Credit loss provision to net charge-offs183.3333%1,794
Earnings coverage of net charge-offs (x)25.0000%844
Efficiency ratio76.8519%2,892
Assets per employee ($millions)4.8385%2,361
Cash dividends to net income (ytd only)*64.2202%1,459
Condition Ratios (%)
Loss allowance to loans0.7589%7,044
Loan loss allowance to noncurrent loans191.4894%1,559
Noncurrent assets plus other real estate owned to assets0.2428%6,629
Noncurrent loans to loans0.3963%6,256
Net loans and leases to total assets60.8091%4,523
Net loans and leases to deposits67.4789%5,170
Net loans and leases to core deposits67.4789%5,715
Total domestic deposits to total assets90.1157%1,028
Equity capital to assets9.6311%4,231
Core capital (leverage) ratio9.5929%3,566
Tier 1 risk-based capital ratio15.3176%3,086
Total risk-based capital ratio16.0572%3,323
Memoranda:
Average total assets$19,797,4007,473
Average earning assets$18,041,4007,447
Average equity$1,874,2007,523
Average total loans$12,325,6007,285
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7359%5,898
Cost of funding earning assets1.5149%2,881
Net interest margin3.2210%6,272
Noninterest income to average assets0.4219%4,784
Noninterest expense to average assets2.4579%5,864
Loan and lease loss provision to assets0.0536%6,534
Net operating income to assets0.6295%3,752
Return on assets (ROA)0.6295%3,920
Pretax return on assets0.8439%3,761
Return on Equity (ROE)6.6780%3,497
Retained earnings to average equity (ytd only)6.6780%1,999
Net charge-offs to loans0.0643%5,872
Credit loss provision to net charge-offs133.3333%3,030
Earnings coverage of net charge-offs (x)22.3325%1,098
Efficiency ratio73.2535%3,474
Assets per employee ($millions)4.9698%2,221
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.7315%7,144
Loan loss allowance to noncurrent loans39.1892%5,696
Noncurrent assets plus other real estate owned to assets1.1168%4,884
Noncurrent loans to loans1.8666%3,845
Net loans and leases to total assets59.3893%5,022
Net loans and leases to deposits65.9516%5,670
Net loans and leases to core deposits65.9516%6,128
Total domestic deposits to total assets90.0498%853
Equity capital to assets9.6534%4,613
Core capital (leverage) ratio9.7908%3,501
Tier 1 risk-based capital ratio16.1464%2,698
Total risk-based capital ratio16.8784%2,901
Memoranda:
Average total assets$19,908,2507,569
Average earning assets$18,130,5007,544
Average equity$1,876,7507,621
Average total loans$12,442,2507,376
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8070%5,773
Cost of funding earning assets1.5549%2,933
Net interest margin3.2521%6,163
Noninterest income to average assets0.3816%5,073
Noninterest expense to average assets2.5003%5,718
Loan and lease loss provision to assets0.0502%6,467
Net operating income to assets0.5824%3,943
Return on assets (ROA)0.5824%4,087
Pretax return on assets0.8133%3,834
Return on Equity (ROE)6.2276%3,683
Retained earnings to average equity (ytd only)6.2276%2,212
Net charge-offs to loans0.0950%5,194
Credit loss provision to net charge-offs83.3333%4,615
Earnings coverage of net charge-offs (x)14.3333%1,530
Efficiency ratio74.3284%3,406
Assets per employee ($millions)4.9045%2,298
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.6919%7,269
Loan loss allowance to noncurrent loans37.8378%5,831
Noncurrent assets plus other real estate owned to assets1.1316%4,874
Noncurrent loans to loans1.8287%3,967
Net loans and leases to total assets61.4538%4,791
Net loans and leases to deposits72.3085%4,943
Net loans and leases to core deposits72.3085%5,637
Total domestic deposits to total assets84.9883%3,634
Equity capital to assets9.6391%4,488
Core capital (leverage) ratio9.3841%3,984
Tier 1 risk-based capital ratio15.5587%2,866
Total risk-based capital ratio16.2498%3,122
Memoranda:
Average total assets$19,918,0007,629
Average earning assets$18,265,0007,606
Average equity$1,862,6707,690
Average total loans$12,625,3307,421
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8108%5,855
Cost of funding earning assets1.5819%3,068
Net interest margin3.2289%6,201
Noninterest income to average assets0.3986%4,928
Noninterest expense to average assets2.4118%6,046
Loan and lease loss provision to assets0.0598%6,045
Net operating income to assets0.6578%3,628
Return on assets (ROA)0.6578%3,740
Pretax return on assets0.8970%3,482
Return on Equity (ROE)7.1409%3,275
Retained earnings to average equity (ytd only)7.1409%2,074
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5976%3,996
Assets per employee ($millions)4.0108%3,843
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.6876%7,360
Loan loss allowance to noncurrent loans166.0377%1,684
Noncurrent assets plus other real estate owned to assets0.2643%6,810
Noncurrent loans to loans0.4141%6,465
Net loans and leases to total assets63.3789%4,452
Net loans and leases to deposits74.2450%4,705
Net loans and leases to core deposits74.2450%5,480
Total domestic deposits to total assets85.3645%3,479
Equity capital to assets9.2999%4,830
Core capital (leverage) ratio9.3737%3,943
Tier 1 risk-based capital ratio14.8310%3,193
Total risk-based capital ratio15.5308%3,463
Memoranda:
Average total assets$20,068,0007,721
Average earning assets$18,458,5007,694
Average equity$1,848,5007,777
Average total loans$12,868,0007,502
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2040%5,631
Cost of funding earning assets1.7458%4,270
Net interest margin3.4582%5,135
Noninterest income to average assets0.4597%4,720
Noninterest expense to average assets2.6392%5,631
Loan and lease loss provision to assets0.0620%6,945
Net operating income to assets0.7592%2,681
Return on assets (ROA)0.7592%2,777
Pretax return on assets0.9607%2,725
Return on Equity (ROE)8.0266%2,359
Retained earnings to average equity (ytd only)3.2216%2,903
Net charge-offs to loans0.0327%6,800
Credit loss provision to net charge-offs300.0000%1,104
Earnings coverage of net charge-offs (x)49.5000%522
Efficiency ratio72.0733%4,250
Assets per employee ($millions)4.0164%3,786
Cash dividends to net income (ytd only)*59.8639%2,012
Condition Ratios (%)
Loss allowance to loans0.6570%7,459
Loan loss allowance to noncurrent loans170.0000%1,723
Noncurrent assets plus other real estate owned to assets0.2490%6,832
Noncurrent loans to loans0.3865%6,505
Net loans and leases to total assets64.0026%4,595
Net loans and leases to deposits74.8922%4,893
Net loans and leases to core deposits81.3481%5,973
Total domestic deposits to total assets85.4596%3,317
Equity capital to assets9.1226%4,948
Core capital (leverage) ratio8.9910%4,437
Tier 1 risk-based capital ratio14.3472%3,291
Total risk-based capital ratio15.0129%3,595
Memoranda:
Average total assets$19,361,6007,792
Average earning assets$17,928,6007,763
Average equity$1,831,4007,870
Average total loans$12,227,0007,588
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2825%5,519
Cost of funding earning assets1.7809%4,476
Net interest margin3.5016%4,860
Noninterest income to average assets0.4866%4,609
Noninterest expense to average assets2.6066%5,694
Loan and lease loss provision to assets0.0626%6,736
Net operating income to assets0.8550%2,592
Return on assets (ROA)0.8550%2,658
Pretax return on assets1.0566%2,718
Return on Equity (ROE)8.9556%2,276
Retained earnings to average equity (ytd only)8.9556%848
Net charge-offs to loans0.0442%6,288
Credit loss provision to net charge-offs225.0000%1,940
Earnings coverage of net charge-offs (x)40.2739%744
Efficiency ratio69.9627%4,599
Assets per employee ($millions)4.0322%3,665
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.6611%7,465
Loan loss allowance to noncurrent loans97.6190%2,838
Noncurrent assets plus other real estate owned to assets0.4166%6,410
Noncurrent loans to loans0.6773%5,945
Net loans and leases to total assets61.1130%5,404
Net loans and leases to deposits71.7004%5,696
Net loans and leases to core deposits77.2573%6,542
Total domestic deposits to total assets85.2339%3,108
Equity capital to assets9.4043%4,877
Core capital (leverage) ratio9.3579%4,102
Tier 1 risk-based capital ratio15.4725%2,842
Total risk-based capital ratio16.1417%3,033
Memoranda:
Average total assets$19,181,5007,870
Average earning assets$17,743,7507,849
Average equity$1,831,2507,952
Average total loans$12,049,2507,673
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3937%5,181
Cost of funding earning assets1.8132%4,695
Net interest margin3.5805%4,446
Noninterest income to average assets0.4667%4,733
Noninterest expense to average assets2.6624%5,508
Loan and lease loss provision to assets0.0636%6,572
Net operating income to assets0.8486%2,660
Return on assets (ROA)0.8486%2,761
Pretax return on assets1.0501%2,807
Return on Equity (ROE)8.8414%2,415
Retained earnings to average equity (ytd only)8.8414%978
Net charge-offs to loans0.0671%5,562
Credit loss provision to net charge-offs150.0000%3,068
Earnings coverage of net charge-offs (x)26.2500%1,086
Efficiency ratio70.5056%4,682
Assets per employee ($millions)3.8948%3,881
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.6739%7,478
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 assets59.7874%5,715
Net loans and leases to deposits70.3675%5,946
Net loans and leases to core deposits75.7761%6,691
Total domestic deposits to total assets84.9646%3,282
Equity capital to assets9.5101%4,601
Core capital (leverage) ratio9.5889%3,772
Tier 1 risk-based capital ratio15.0839%2,987
Total risk-based capital ratio15.7273%3,207
Memoranda:
Average total assets$18,855,0007,963
Average earning assets$17,427,6707,933
Average equity$1,809,6708,038
Average total loans$11,931,3307,753
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4684%5,074
Cost of funding earning assets1.8775%4,752
Net interest margin3.5908%4,352
Noninterest income to average assets0.3667%5,500
Noninterest expense to average assets2.5235%5,750
Loan and lease loss provision to assets0.0647%6,142
Net operating income to assets0.6686%3,714
Return on assets (ROA)0.6686%3,889
Pretax return on assets1.0784%3,066
Return on Equity (ROE)6.9332%3,619
Retained earnings to average equity (ytd only)6.9332%2,235
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8235%4,814
Assets per employee ($millions)3.8150%4,050
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6679%7,532
Loan loss allowance to noncurrent loans80.0000%3,671
Noncurrent assets plus other real estate owned to assets0.5242%5,906
Noncurrent loans to loans0.8349%5,352
Net loans and leases to total assets62.3696%5,258
Net loans and leases to deposits73.4700%5,543
Net loans and leases to core deposits80.3146%6,358
Total domestic deposits to total assets84.8912%3,259
Equity capital to assets9.4574%4,733
Core capital (leverage) ratio9.6802%3,780
Tier 1 risk-based capital ratio14.5144%3,304
Total risk-based capital ratio15.1581%3,567
Memoranda:
Average total assets$18,545,5008,021
Average earning assets$17,043,5007,993
Average equity$1,788,5008,094
Average total loans$12,036,0007,799
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0429%5,339
Cost of funding earning assets2.1492%5,835
Net interest margin3.8936%3,590
Noninterest income to average assets0.5595%4,165
Noninterest expense to average assets2.8410%4,640
Loan and lease loss provision to assets0.1141%5,914
Net operating income to assets0.8559%3,201
Return on assets (ROA)0.8800%2,939
Pretax return on assets1.1896%2,679
Return on Equity (ROE)9.0828%2,611
Retained earnings to average equity (ytd only)3.1958%3,159
Net charge-offs to loans0.1740%4,461
Credit loss provision to net charge-offs100.0000%5,290
Earnings coverage of net charge-offs (x)11.1429%2,407
Efficiency ratio69.0885%4,510
Assets per employee ($millions)3.6032%4,405
Cash dividends to net income (ytd only)*64.8148%2,425
Condition Ratios (%)
Loss allowance to loans0.6366%7,593
Loan loss allowance to noncurrent loans167.3913%2,250
Noncurrent assets plus other real estate owned to assets0.2553%6,558
Noncurrent loans to loans0.3803%6,212
Net loans and leases to total assets66.7074%4,706
Net loans and leases to deposits76.0152%5,591
Net loans and leases to core deposits85.0471%6,206
Total domestic deposits to total assets87.7553%1,576
Equity capital to assets9.8413%4,236
Core capital (leverage) ratio9.7675%3,689
Tier 1 risk-based capital ratio14.1670%3,471
Total risk-based capital ratio14.7823%3,700
Memoranda:
Average total assets$18,408,8008,066
Average earning assets$16,796,6008,043
Average equity$1,783,6008,163
Average total loans$12,071,0007,828