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Citizens State Bank of Glenville, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3356%4,949
Cost of funding earning assets0.2246%4,908
Net interest margin3.1110%4,345
Noninterest income to average assets0.2110%4,405
Noninterest expense to average assets1.7852%4,788
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.3486%1,509
Return on assets (ROA)1.3486%1,589
Pretax return on assets1.3486%2,332
Return on Equity (ROE)11.8575%1,569
Retained earnings to average equity (ytd only)0.0000%4,696
Net charge-offs to loans-0.0141%4,556
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9659%4,095
Assets per employee ($millions)4.1160%3,750
Cash dividends to net income (ytd only)*100.0000%293
Condition Ratios (%)
Loss allowance to loans1.0710%3,097
Loan loss allowance to noncurrent loans99.3671%3,302
Noncurrent assets plus other real estate owned to assets0.3839%2,873
Noncurrent loans to loans1.0778%1,402
Net loans and leases to total assets35.2332%4,863
Net loans and leases to deposits39.6251%4,916
Net loans and leases to core deposits39.6251%4,953
Total domestic deposits to total assets88.9164%704
Equity capital to assets11.0471%2,948
Core capital (leverage) ratio10.9751%2,523
Tier 1 risk-based capital ratio27.4909%588
Total risk-based capital ratio28.4401%593
Memoranda:
Average total assets$41,228,8004,873
Average earning assets$38,733,6004,859
Average equity$4,689,0004,920
Average total loans$14,225,8004,981
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3239%5,056
Cost of funding earning assets0.1994%5,040
Net interest margin3.1245%4,436
Noninterest income to average assets0.1940%4,560
Noninterest expense to average assets1.9298%4,671
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.2025%2,184
Return on assets (ROA)1.2025%2,267
Pretax return on assets1.2025%2,974
Return on Equity (ROE)10.4983%2,213
Retained earnings to average equity (ytd only)10.4983%627
Net charge-offs to loans-0.0094%4,356
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6099%3,386
Assets per employee ($millions)4.1348%3,702
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans2.0556%419
Loan loss allowance to noncurrent loans172.5610%2,349
Noncurrent assets plus other real estate owned to assets0.3966%2,922
Noncurrent loans to loans1.1913%1,316
Net loans and leases to total assets32.6110%5,010
Net loans and leases to deposits37.2239%5,045
Net loans and leases to core deposits37.2239%5,067
Total domestic deposits to total assets87.6076%1,216
Equity capital to assets11.8966%2,329
Core capital (leverage) ratio11.7691%2,031
Tier 1 risk-based capital ratio30.5965%466
Total risk-based capital ratio31.8530%455
Memoranda:
Average total assets$41,246,0004,946
Average earning assets$38,789,2504,929
Average equity$4,724,5004,984
Average total loans$14,117,5005,062
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2576%5,136
Cost of funding earning assets0.1910%5,090
Net interest margin3.0666%4,591
Noninterest income to average assets0.1747%4,700
Noninterest expense to average assets1.9072%4,736
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1502%2,328
Return on assets (ROA)1.1502%2,404
Pretax return on assets1.1502%3,075
Return on Equity (ROE)10.1724%2,305
Retained earnings to average equity (ytd only)10.1724%707
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3810%3,367
Assets per employee ($millions)4.1465%3,650
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans2.0144%464
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets33.0809%5,048
Net loans and leases to deposits37.6025%5,084
Net loans and leases to core deposits37.6025%5,110
Total domestic deposits to total assets87.9754%1,113
Equity capital to assets11.5374%2,578
Core capital (leverage) ratio11.5053%2,160
Tier 1 risk-based capital ratio29.0538%519
Total risk-based capital ratio30.3109%511
Memoranda:
Average total assets$41,212,0004,985
Average earning assets$38,740,3304,970
Average equity$4,659,6705,024
Average total loans$14,234,3305,105
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1443%5,226
Cost of funding earning assets0.1868%5,147
Net interest margin2.9575%4,810
Noninterest income to average assets0.1752%4,692
Noninterest expense to average assets1.9666%4,705
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.9833%2,909
Return on assets (ROA)0.9833%2,950
Pretax return on assets0.9833%3,499
Return on Equity (ROE)8.7874%2,905
Retained earnings to average equity (ytd only)8.7874%1,390
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6667%2,838
Assets per employee ($millions)4.1009%3,781
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans2.0336%468
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,905
Noncurrent loans to loans0.0000%4,814
Net loans and leases to total assets33.1269%5,092
Net loans and leases to deposits37.5567%5,121
Net loans and leases to core deposits37.5567%5,152
Total domestic deposits to total assets88.2050%1,235
Equity capital to assets11.3341%2,537
Core capital (leverage) ratio11.3785%2,229
Tier 1 risk-based capital ratio28.4438%536
Total risk-based capital ratio29.6983%530
Memoranda:
Average total assets$41,085,5005,042
Average earning assets$38,546,5005,024
Average equity$4,597,5005,074
Average total loans$14,352,0005,160
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8729%5,273
Cost of funding earning assets0.2054%4,979
Net interest margin2.6675%5,118
Noninterest income to average assets0.2271%4,552
Noninterest expense to average assets2.0562%4,638
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.6764%4,214
Return on assets (ROA)0.6764%4,221
Pretax return on assets0.6764%4,473
Return on Equity (ROE)5.9835%4,182
Retained earnings to average equity (ytd only)-4.2986%5,225
Net charge-offs to loans0.0556%2,346
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)34.6250%1,459
Efficiency ratio75.2458%1,460
Assets per employee ($millions)4.1162%3,725
Cash dividends to net income (ytd only)*171.8412%72
Condition Ratios (%)
Loss allowance to loans1.9007%574
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 assets35.3603%5,085
Net loans and leases to deposits39.9555%5,125
Net loans and leases to core deposits39.9555%5,161
Total domestic deposits to total assets88.4991%1,071
Equity capital to assets11.0466%2,641
Core capital (leverage) ratio11.0140%2,513
Tier 1 risk-based capital ratio25.5120%706
Total risk-based capital ratio26.7688%689
Memoranda:
Average total assets$40,949,2005,081
Average earning assets$38,463,0005,065
Average equity$4,629,4005,098
Average total loans$14,392,4005,207
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7385%5,366
Cost of funding earning assets0.1902%5,053
Net interest margin2.5483%5,255
Noninterest income to average assets0.2054%4,738
Noninterest expense to average assets2.0311%4,683
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.5770%4,566
Return on assets (ROA)0.5770%4,572
Pretax return on assets0.5770%4,770
Return on Equity (ROE)5.0751%4,533
Retained earnings to average equity (ytd only)-8.5733%5,372
Net charge-offs to loans0.0933%1,567
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)17.7037%2,099
Efficiency ratio77.8750%1,132
Assets per employee ($millions)4.0241%3,846
Cash dividends to net income (ytd only)*268.9309%28
Condition Ratios (%)
Loss allowance to loans1.8752%630
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets36.4106%5,128
Net loans and leases to deposits41.2048%5,180
Net loans and leases to core deposits41.2048%5,216
Total domestic deposits to total assets88.3651%1,095
Equity capital to assets11.0509%2,617
Core capital (leverage) ratio11.0397%2,543
Tier 1 risk-based capital ratio25.1002%743
Total risk-based capital ratio26.3532%728
Memoranda:
Average total assets$40,896,0005,149
Average earning assets$38,560,5005,126
Average equity$4,650,0005,159
Average total loans$14,281,2505,276
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6249%5,452
Cost of funding earning assets0.1809%5,106
Net interest margin2.4441%5,368
Noninterest income to average assets0.1849%4,904
Noninterest expense to average assets2.0334%4,740
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.4524%4,855
Return on assets (ROA)0.4524%4,860
Pretax return on assets0.4524%4,986
Return on Equity (ROE)3.9426%4,841
Retained earnings to average equity (ytd only)-4.5785%5,269
Net charge-offs to loans0.0853%1,483
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)15.5000%2,040
Efficiency ratio81.8004%850
Assets per employee ($millions)3.9908%3,914
Cash dividends to net income (ytd only)*216.1290%51
Condition Ratios (%)
Loss allowance to loans2.0211%503
Loan loss allowance to noncurrent loans5,680.0000%140
Noncurrent assets plus other real estate owned to assets0.0125%4,975
Noncurrent loans to loans0.0356%4,752
Net loans and leases to total assets34.4993%5,225
Net loans and leases to deposits39.2855%5,262
Net loans and leases to core deposits39.2855%5,298
Total domestic deposits to total assets87.8170%1,465
Equity capital to assets11.6217%2,111
Core capital (leverage) ratio11.5747%2,006
Tier 1 risk-based capital ratio27.6747%575
Total risk-based capital ratio28.9277%569
Memoranda:
Average total assets$41,114,3305,204
Average earning assets$38,705,6705,182
Average equity$4,717,6705,211
Average total loans$14,064,3305,340
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3319%5,550
Cost of funding earning assets0.1629%5,201
Net interest margin2.1689%5,510
Noninterest income to average assets0.1630%5,043
Noninterest expense to average assets1.9848%4,879
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.2205%5,218
Return on assets (ROA)0.2205%5,219
Pretax return on assets0.2205%5,245
Return on Equity (ROE)1.9338%5,191
Retained earnings to average equity (ytd only)1.9338%4,371
Net charge-offs to loans0.0284%1,926
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)23.0000%1,389
Efficiency ratio90.0000%446
Assets per employee ($millions)4.0986%3,806
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans2.0909%465
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 assets33.0186%5,292
Net loans and leases to deposits37.5906%5,326
Net loans and leases to core deposits37.5906%5,359
Total domestic deposits to total assets87.8373%1,707
Equity capital to assets11.6357%2,037
Core capital (leverage) ratio11.3369%2,134
Tier 1 risk-based capital ratio28.5347%535
Total risk-based capital ratio29.7912%529
Memoranda:
Average total assets$41,717,5005,254
Average earning assets$39,282,0005,232
Average equity$4,757,5005,257
Average total loans$14,070,5005,398
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9043%5,414
Cost of funding earning assets0.1731%5,136
Net interest margin2.7312%5,248
Noninterest income to average assets0.2155%4,862
Noninterest expense to average assets2.0511%4,877
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.7241%3,499
Return on assets (ROA)0.7241%3,540
Pretax return on assets0.7241%4,451
Return on Equity (ROE)6.2144%3,670
Retained earnings to average equity (ytd only)0.4988%4,835
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9092%1,906
Assets per employee ($millions)4.2449%3,585
Cash dividends to net income (ytd only)*91.9732%501
Condition Ratios (%)
Loss allowance to loans2.0253%512
Loan loss allowance to noncurrent loans7,250.0000%135
Noncurrent assets plus other real estate owned to assets0.0094%5,126
Noncurrent loans to loans0.0279%4,886
Net loans and leases to total assets33.0491%5,368
Net loans and leases to deposits37.4137%5,403
Net loans and leases to core deposits37.4137%5,429
Total domestic deposits to total assets88.3342%1,335
Equity capital to assets11.1805%2,448
Core capital (leverage) ratio11.3982%2,013
Tier 1 risk-based capital ratio27.1852%588
Total risk-based capital ratio28.4397%577
Memoranda:
Average total assets$41,294,0005,312
Average earning assets$38,701,4005,294
Average equity$4,811,4005,302
Average total loans$14,427,8005,453
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8920%5,486
Cost of funding earning assets0.1662%5,218
Net interest margin2.7257%5,300
Noninterest income to average assets0.1886%5,070
Noninterest expense to average assets2.0875%4,760
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.6601%4,157
Return on assets (ROA)0.6601%4,211
Pretax return on assets0.6601%4,705
Return on Equity (ROE)5.6063%4,283
Retained earnings to average equity (ytd only)5.6063%2,478
Net charge-offs to loans0.0000%3,796
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9763%1,594
Assets per employee ($millions)4.0104%3,974
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans2.0318%545
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,287
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets34.8668%5,391
Net loans and leases to deposits40.0303%5,421
Net loans and leases to core deposits40.0303%5,459
Total domestic deposits to total assets87.1010%1,826
Equity capital to assets12.2806%1,787
Core capital (leverage) ratio12.1921%1,575
Tier 1 risk-based capital ratio29.0115%517
Total risk-based capital ratio30.2663%507
Memoranda:
Average total assets$41,005,2505,375
Average earning assets$38,496,5005,357
Average equity$4,827,7505,360
Average total loans$14,455,0005,511
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8483%5,535
Cost of funding earning assets0.1651%5,243
Net interest margin2.6832%5,374
Noninterest income to average assets0.1743%5,181
Noninterest expense to average assets1.9900%4,994
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7021%3,841
Return on assets (ROA)0.7021%3,904
Pretax return on assets0.7021%4,541
Return on Equity (ROE)6.0476%4,024
Retained earnings to average equity (ytd only)6.0476%2,084
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.9209%2,031
Assets per employee ($millions)4.5298%3,055
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.9786%628
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 assets35.2409%5,408
Net loans and leases to deposits42.0580%5,399
Net loans and leases to core deposits42.0580%5,443
Total domestic deposits to total assets83.7912%3,286
Equity capital to assets11.9383%1,971
Core capital (leverage) ratio11.8321%1,744
Tier 1 risk-based capital ratio28.2604%537
Total risk-based capital ratio29.5146%527
Memoranda:
Average total assets$41,305,6705,420
Average earning assets$38,759,3305,397
Average equity$4,795,3305,405
Average total loans$14,515,6705,557
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8749%5,559
Cost of funding earning assets0.1643%5,274
Net interest margin2.7106%5,381
Noninterest income to average assets0.1443%5,393
Noninterest expense to average assets1.9627%5,123
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7216%3,609
Return on assets (ROA)0.7216%3,656
Pretax return on assets0.7216%4,379
Return on Equity (ROE)6.3032%3,765
Retained earnings to average equity (ytd only)6.3032%2,187
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1183%2,387
Assets per employee ($millions)4.6219%2,970
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans2.0794%577
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 assets32.8293%5,511
Net loans and leases to deposits37.3400%5,541
Net loans and leases to core deposits37.3400%5,589
Total domestic deposits to total assets87.9198%1,762
Equity capital to assets11.5321%2,159
Core capital (leverage) ratio11.2972%2,105
Tier 1 risk-based capital ratio29.6954%490
Total risk-based capital ratio30.9521%488
Memoranda:
Average total assets$41,574,5005,476
Average earning assets$38,958,0005,449
Average equity$4,759,5005,466
Average total loans$14,445,0005,622
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8709%5,602
Cost of funding earning assets0.1889%5,118
Net interest margin2.6820%5,440
Noninterest income to average assets0.2544%4,897
Noninterest expense to average assets2.0830%5,028
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6860%3,841
Return on assets (ROA)0.6860%3,955
Pretax return on assets0.6860%4,539
Return on Equity (ROE)6.0015%3,980
Retained earnings to average equity (ytd only)6.0015%1,702
Net charge-offs to loans0.1333%1,914
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)14.4737%2,284
Efficiency ratio75.2252%2,106
Assets per employee ($millions)4.6169%2,934
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.9406%744
Loan loss allowance to noncurrent loans341.1765%1,467
Noncurrent assets plus other real estate owned to assets0.2046%4,504
Noncurrent loans to loans0.5688%3,135
Net loans and leases to total assets35.2667%5,511
Net loans and leases to deposits40.0328%5,552
Net loans and leases to core deposits40.0328%5,596
Total domestic deposits to total assets88.0944%1,588
Equity capital to assets11.3641%2,274
Core capital (leverage) ratio11.2330%2,133
Tier 1 risk-based capital ratio28.0404%561
Total risk-based capital ratio29.2933%555
Memoranda:
Average total assets$40,086,6005,544
Average earning assets$37,583,6005,517
Average equity$4,582,2005,543
Average total loans$14,250,4005,678
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9511%5,606
Cost of funding earning assets0.1784%5,276
Net interest margin2.7726%5,403
Noninterest income to average assets0.2249%5,124
Noninterest expense to average assets2.1114%4,988
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.7217%3,737
Return on assets (ROA)0.7217%3,867
Pretax return on assets0.7217%4,550
Return on Equity (ROE)6.3040%3,925
Retained earnings to average equity (ytd only)6.3040%2,006
Net charge-offs to loans0.0000%3,952
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5261%2,186
Assets per employee ($millions)4.4732%3,124
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.0890%615
Loan loss allowance to noncurrent loans222.3022%2,066
Noncurrent assets plus other real estate owned to assets0.3453%4,026
Noncurrent loans to loans0.9397%2,362
Net loans and leases to total assets35.9746%5,552
Net loans and leases to deposits41.0028%5,609
Net loans and leases to core deposits41.0028%5,660
Total domestic deposits to total assets87.7369%1,534
Equity capital to assets11.5825%2,451
Core capital (leverage) ratio11.5578%1,983
Tier 1 risk-based capital ratio28.4520%554
Total risk-based capital ratio29.7090%542
Memoranda:
Average total assets$39,720,2505,601
Average earning assets$37,364,2505,578
Average equity$4,547,2505,604
Average total loans$14,077,0005,742
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8362%5,784
Cost of funding earning assets0.1779%5,343
Net interest margin2.6583%5,610
Noninterest income to average assets0.2327%5,091
Noninterest expense to average assets2.1193%5,015
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.6070%4,240
Return on assets (ROA)0.6070%4,366
Pretax return on assets0.6070%4,865
Return on Equity (ROE)5.3231%4,367
Retained earnings to average equity (ytd only)5.3231%2,531
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7365%1,830
Assets per employee ($millions)4.3898%3,233
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.1205%606
Loan loss allowance to noncurrent loans251.2195%1,888
Noncurrent assets plus other real estate owned to assets0.3113%4,260
Noncurrent loans to loans0.8441%2,634
Net loans and leases to total assets36.1015%5,602
Net loans and leases to deposits41.1251%5,648
Net loans and leases to core deposits41.1251%5,705
Total domestic deposits to total assets87.7848%1,540
Equity capital to assets11.5597%2,484
Core capital (leverage) ratio11.4697%2,017
Tier 1 risk-based capital ratio28.5366%563
Total risk-based capital ratio29.7926%552
Memoranda:
Average total assets$39,540,6705,669
Average earning assets$37,091,3305,646
Average equity$4,508,6705,674
Average total loans$13,838,6705,824
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8093%5,853
Cost of funding earning assets0.1844%5,333
Net interest margin2.6249%5,700
Noninterest income to average assets0.2326%5,077
Noninterest expense to average assets2.0224%5,286
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.6573%3,943
Return on assets (ROA)0.6573%4,065
Pretax return on assets0.6573%4,657
Return on Equity (ROE)5.8042%4,076
Retained earnings to average equity (ytd only)5.8042%2,465
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4717%2,259
Assets per employee ($millions)4.3221%3,376
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.3568%471
Loan loss allowance to noncurrent loans253.2787%1,850
Noncurrent assets plus other real estate owned to assets0.3136%4,317
Noncurrent loans to loans0.9305%2,522
Net loans and leases to total assets32.9109%5,756
Net loans and leases to deposits37.4963%5,795
Net loans and leases to core deposits37.4963%5,830
Total domestic deposits to total assets87.7709%1,766
Equity capital to assets11.5993%2,351
Core capital (leverage) ratio11.3117%2,132
Tier 1 risk-based capital ratio30.8365%471
Total risk-based capital ratio32.0940%464
Memoranda:
Average total assets$39,557,0005,725
Average earning assets$36,877,5005,706
Average equity$4,479,5005,725
Average total loans$13,472,0005,888
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9307%5,795
Cost of funding earning assets0.1976%5,306
Net interest margin2.7331%5,613
Noninterest income to average assets0.2295%5,219
Noninterest expense to average assets2.1505%5,149
Loan and lease loss provision to assets0.1289%1,869
Net operating income to assets0.5183%4,625
Return on assets (ROA)0.5183%4,706
Pretax return on assets0.5183%5,066
Return on Equity (ROE)4.6154%4,693
Retained earnings to average equity (ytd only)4.6154%2,698
Net charge-offs to loans0.0570%3,081
Credit loss provision to net charge-offs625.0000%542
Earnings coverage of net charge-offs (x)31.3750%1,406
Efficiency ratio76.8664%2,137
Assets per employee ($millions)4.4683%3,095
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans2.2338%564
Loan loss allowance to noncurrent loans280.9091%1,751
Noncurrent assets plus other real estate owned to assets0.2735%4,494
Noncurrent loans to loans0.7952%2,806
Net loans and leases to total assets33.6292%5,788
Net loans and leases to deposits38.0604%5,838
Net loans and leases to core deposits38.0604%5,878
Total domestic deposits to total assets88.3576%1,442
Equity capital to assets11.0581%2,766
Core capital (leverage) ratio11.1582%2,256
Tier 1 risk-based capital ratio29.5070%530
Total risk-based capital ratio30.7677%519
Memoranda:
Average total assets$38,782,2005,791
Average earning assets$36,441,6005,758
Average equity$4,355,0005,791
Average total loans$14,030,0005,922
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9485%5,851
Cost of funding earning assets0.2022%5,354
Net interest margin2.7463%5,667
Noninterest income to average assets0.2082%5,401
Noninterest expense to average assets2.1340%5,206
Loan and lease loss provision to assets0.0694%2,785
Net operating income to assets0.5968%4,400
Return on assets (ROA)0.5968%4,500
Pretax return on assets0.5968%4,979
Return on Equity (ROE)5.2939%4,494
Retained earnings to average equity (ytd only)5.2939%2,726
Net charge-offs to loans-0.0094%4,971
Credit loss provision to net charge-offs-2,000.0000%5,599
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2082%2,212
Assets per employee ($millions)4.1910%3,531
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.9699%960
Loan loss allowance to noncurrent loans282.3529%1,695
Noncurrent assets plus other real estate owned to assets0.2704%4,684
Noncurrent loans to loans0.6977%3,235
Net loans and leases to total assets37.9968%5,704
Net loans and leases to deposits43.1102%5,756
Net loans and leases to core deposits43.1102%5,821
Total domestic deposits to total assets88.1386%1,485
Equity capital to assets11.7129%2,337
Core capital (leverage) ratio11.6239%1,942
Tier 1 risk-based capital ratio29.3204%557
Total risk-based capital ratio30.5814%548
Memoranda:
Average total assets$38,424,0005,877
Average earning assets$36,266,2505,841
Average equity$4,332,0005,875
Average total loans$14,079,2505,999
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8880%5,955
Cost of funding earning assets0.2028%5,412
Net interest margin2.6853%5,782
Noninterest income to average assets0.2173%5,396
Noninterest expense to average assets2.0797%5,380
Loan and lease loss provision to assets0.0259%3,616
Net operating income to assets0.6467%4,133
Return on assets (ROA)0.6467%4,243
Pretax return on assets0.6467%4,832
Return on Equity (ROE)5.8095%4,227
Retained earnings to average equity (ytd only)5.8095%2,352
Net charge-offs to loans-0.0144%5,046
Credit loss provision to net charge-offs-500.0000%5,206
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5639%2,442
Assets per employee ($millions)4.1846%3,498
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.9227%1,120
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 assets36.9772%5,779
Net loans and leases to deposits41.8953%5,845
Net loans and leases to core deposits41.8953%5,902
Total domestic deposits to total assets88.2611%1,510
Equity capital to assets11.6088%2,322
Core capital (leverage) ratio11.3961%2,076
Tier 1 risk-based capital ratio30.8932%494
Total risk-based capital ratio32.1509%490
Memoranda:
Average total assets$38,659,0005,930
Average earning assets$36,495,3305,897
Average equity$4,303,3305,942
Average total loans$13,899,0006,065
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8468%6,035
Cost of funding earning assets0.1956%5,552
Net interest margin2.6512%5,868
Noninterest income to average assets0.1941%5,548
Noninterest expense to average assets2.1656%5,239
Loan and lease loss provision to assets0.0511%2,915
Net operating income to assets0.4699%4,798
Return on assets (ROA)0.4699%4,919
Pretax return on assets0.4699%5,259
Return on Equity (ROE)4.3101%4,841
Retained earnings to average equity (ytd only)4.3101%3,425
Net charge-offs to loans-0.0291%5,231
Credit loss provision to net charge-offs-500.0000%4,817
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.6084%1,811
Assets per employee ($millions)4.2837%3,404
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.0880%940
Loan loss allowance to noncurrent loans1,186.9565%464
Noncurrent assets plus other real estate owned to assets0.0597%5,697
Noncurrent loans to loans0.1759%5,147
Net loans and leases to total assets33.2062%5,953
Net loans and leases to deposits37.4120%6,006
Net loans and leases to core deposits37.4120%6,062
Total domestic deposits to total assets88.7583%1,413
Equity capital to assets11.1327%2,825
Core capital (leverage) ratio10.8873%2,531
Tier 1 risk-based capital ratio32.2319%451
Total risk-based capital ratio33.4860%444
Memoranda:
Average total assets$39,158,0005,979
Average earning assets$36,813,0005,944
Average equity$4,269,0006,000
Average total loans$13,749,0006,128
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8581%6,164
Cost of funding earning assets0.2226%5,573
Net interest margin2.6355%6,027
Noninterest income to average assets0.3453%4,634
Noninterest expense to average assets2.0940%5,586
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.7621%3,555
Return on assets (ROA)0.7621%3,659
Pretax return on assets0.7621%4,393
Return on Equity (ROE)7.5843%3,333
Retained earnings to average equity (ytd only)7.5843%1,166
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3161%2,964
Assets per employee ($millions)3.6148%4,695
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.8512%1,420
Loan loss allowance to noncurrent loans3,337.5000%224
Noncurrent assets plus other real estate owned to assets0.0201%5,962
Noncurrent loans to loans0.0555%5,658
Net loans and leases to total assets35.6009%5,972
Net loans and leases to deposits39.8918%6,042
Net loans and leases to core deposits39.8918%6,097
Total domestic deposits to total assets89.2438%1,096
Equity capital to assets10.6783%3,265
Core capital (leverage) ratio10.8397%2,568
Tier 1 risk-based capital ratio28.8844%574
Total risk-based capital ratio30.1429%557
Memoranda:
Average total assets$40,544,0006,026
Average earning assets$38,627,0005,965
Average equity$4,074,2006,077
Average total loans$13,462,6006,213
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8293%6,262
Cost of funding earning assets0.2287%5,600
Net interest margin2.6006%6,135
Noninterest income to average assets0.2585%5,373
Noninterest expense to average assets2.0946%5,581
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.6578%4,176
Return on assets (ROA)0.6578%4,278
Pretax return on assets0.6578%4,849
Return on Equity (ROE)6.6478%3,880
Retained earnings to average equity (ytd only)6.6478%2,014
Net charge-offs to loans0.0101%4,386
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)201.4962%318
Efficiency ratio76.0999%2,475
Assets per employee ($millions)3.4673%4,923
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.9630%1,325
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 assets34.8322%6,079
Net loans and leases to deposits39.7231%6,123
Net loans and leases to core deposits39.7231%6,186
Total domestic deposits to total assets87.6875%1,929
Equity capital to assets10.8495%3,127
Core capital (leverage) ratio10.4648%3,085
Tier 1 risk-based capital ratio30.0508%522
Total risk-based capital ratio31.3072%517
Memoranda:
Average total assets$40,739,2506,088
Average earning assets$39,066,7506,018
Average equity$4,031,2506,152
Average total loans$13,222,5006,292
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7709%6,357
Cost of funding earning assets0.2259%5,697
Net interest margin2.5450%6,227
Noninterest income to average assets0.2211%5,624
Noninterest expense to average assets2.1007%5,623
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.5576%4,559
Return on assets (ROA)0.5576%4,663
Pretax return on assets0.5576%5,103
Return on Equity (ROE)5.8063%4,269
Retained earnings to average equity (ytd only)5.8063%2,443
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0235%2,166
Assets per employee ($millions)3.6448%4,557
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9468%1,468
Loan loss allowance to noncurrent loans30.4795%5,770
Noncurrent assets plus other real estate owned to assets2.1849%1,399
Noncurrent loans to loans6.3872%224
Net loans and leases to total assets33.5420%6,176
Net loans and leases to deposits38.1082%6,223
Net loans and leases to core deposits38.1082%6,272
Total domestic deposits to total assets88.0179%1,887
Equity capital to assets10.1090%3,957
Core capital (leverage) ratio9.7456%3,972
Tier 1 risk-based capital ratio28.6654%605
Total risk-based capital ratio29.9243%590
Memoranda:
Average total assets$41,605,6706,119
Average earning assets$39,843,0006,049
Average equity$3,995,6706,205
Average total loans$13,113,0006,351
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6741%6,481
Cost of funding earning assets0.2261%5,786
Net interest margin2.4480%6,379
Noninterest income to average assets0.1983%5,774
Noninterest expense to average assets1.9829%5,916
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.5665%4,370
Return on assets (ROA)0.5665%4,449
Pretax return on assets0.5665%4,951
Return on Equity (ROE)6.0499%3,999
Retained earnings to average equity (ytd only)6.0499%2,513
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7778%2,504
Assets per employee ($millions)3.7594%4,400
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.1184%1,290
Loan loss allowance to noncurrent loans244.9541%1,766
Noncurrent assets plus other real estate owned to assets0.2636%5,392
Noncurrent loans to loans0.8648%3,733
Net loans and leases to total assets29.8334%6,362
Net loans and leases to deposits33.0662%6,399
Net loans and leases to core deposits33.0662%6,432
Total domestic deposits to total assets90.2232%950
Equity capital to assets9.6656%4,278
Core capital (leverage) ratio9.3118%4,560
Tier 1 risk-based capital ratio30.1934%520
Total risk-based capital ratio31.4549%513
Memoranda:
Average total assets$42,362,0006,161
Average earning assets$40,686,0006,088
Average equity$3,967,0006,255
Average total loans$12,812,0006,427
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7316%6,528
Cost of funding earning assets0.2813%5,754
Net interest margin2.4502%6,411
Noninterest income to average assets0.2630%5,463
Noninterest expense to average assets1.9258%6,149
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.6679%3,947
Return on assets (ROA)0.6679%4,046
Pretax return on assets0.6679%4,644
Return on Equity (ROE)7.7167%3,189
Retained earnings to average equity (ytd only)7.7167%1,146
Net charge-offs to loans0.0237%4,950
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)97.3333%470
Efficiency ratio74.2504%3,095
Assets per employee ($millions)3.9428%3,978
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.0507%1,440
Loan loss allowance to noncurrent loans494.4444%987
Noncurrent assets plus other real estate owned to assets0.1245%5,949
Noncurrent loans to loans0.4147%4,967
Net loans and leases to total assets29.4044%6,482
Net loans and leases to deposits32.3779%6,524
Net loans and leases to core deposits32.3779%6,554
Total domestic deposits to total assets90.8164%653
Equity capital to assets9.0775%4,943
Core capital (leverage) ratio8.8524%5,210
Tier 1 risk-based capital ratio28.8003%566
Total risk-based capital ratio30.0585%558
Memoranda:
Average total assets$43,721,6006,182
Average earning assets$41,587,6006,123
Average equity$3,784,0006,376
Average total loans$12,638,2006,497
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7163%6,618
Cost of funding earning assets0.2922%5,795
Net interest margin2.4241%6,495
Noninterest income to average assets0.2435%5,694
Noninterest expense to average assets1.8687%6,226
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.6726%4,001
Return on assets (ROA)0.6726%4,144
Pretax return on assets0.6726%4,781
Return on Equity (ROE)7.8665%3,189
Retained earnings to average equity (ytd only)7.8665%1,472
Net charge-offs to loans0.0000%5,212
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.5329%3,139
Assets per employee ($millions)3.9846%3,866
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.1427%1,426
Loan loss allowance to noncurrent loans402.9851%1,069
Noncurrent assets plus other real estate owned to assets0.1529%5,986
Noncurrent loans to loans0.5317%4,864
Net loans and leases to total assets28.1331%6,594
Net loans and leases to deposits30.9148%6,645
Net loans and leases to core deposits30.9148%6,667
Total domestic deposits to total assets91.0018%534
Equity capital to assets8.8202%5,397
Core capital (leverage) ratio8.6552%5,594
Tier 1 risk-based capital ratio28.9047%572
Total risk-based capital ratio30.1607%560
Memoranda:
Average total assets$43,809,2506,249
Average earning assets$41,526,5006,196
Average equity$3,745,7506,456
Average total loans$12,542,7506,564
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6530%6,681
Cost of funding earning assets0.3184%5,679
Net interest margin2.3347%6,597
Noninterest income to average assets0.2466%5,683
Noninterest expense to average assets1.8264%6,329
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.6301%4,157
Return on assets (ROA)0.6301%4,311
Pretax return on assets0.6301%4,909
Return on Equity (ROE)7.4480%3,366
Retained earnings to average equity (ytd only)7.4480%1,691
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3494%3,062
Assets per employee ($millions)3.9066%4,004
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.1590%1,513
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets28.4737%6,622
Net loans and leases to deposits31.2725%6,673
Net loans and leases to core deposits31.2725%6,698
Total domestic deposits to total assets91.0502%528
Equity capital to assets8.8032%5,444
Core capital (leverage) ratio8.6232%5,528
Tier 1 risk-based capital ratio28.1725%617
Total risk-based capital ratio29.4310%610
Memoranda:
Average total assets$43,802,0006,292
Average earning assets$41,462,0006,242
Average equity$3,705,6706,517
Average total loans$12,523,3306,612
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6621%6,751
Cost of funding earning assets0.3256%5,758
Net interest margin2.3365%6,661
Noninterest income to average assets0.2171%5,919
Noninterest expense to average assets2.0264%6,048
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.3980%5,138
Return on assets (ROA)0.3980%5,284
Pretax return on assets0.3980%5,565
Return on Equity (ROE)4.7996%4,689
Retained earnings to average equity (ytd only)4.7996%3,359
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.5821%1,823
Assets per employee ($millions)3.7318%4,484
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.1889%1,606
Loan loss allowance to noncurrent loans27,000.0000%33
Noncurrent assets plus other real estate owned to assets0.0022%6,650
Noncurrent loans to loans0.0081%6,483
Net loans and leases to total assets26.9416%6,698
Net loans and leases to deposits29.4024%6,758
Net loans and leases to core deposits29.4024%6,778
Total domestic deposits to total assets91.6306%322
Equity capital to assets8.2377%6,226
Core capital (leverage) ratio8.0465%6,100
Tier 1 risk-based capital ratio27.0514%702
Total risk-based capital ratio28.3127%686
Memoranda:
Average total assets$44,216,5006,338
Average earning assets$41,771,5006,289
Average equity$3,667,0006,594
Average total loans$12,532,0006,677
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3183%6,566
Cost of funding earning assets0.4414%5,644
Net interest margin2.8769%6,266
Noninterest income to average assets0.2979%5,330
Noninterest expense to average assets2.1890%5,945
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.8052%3,263
Return on assets (ROA)0.8052%3,515
Pretax return on assets0.8052%4,271
Return on Equity (ROE)9.3809%2,448
Retained earnings to average equity (ytd only)9.3809%726
Net charge-offs to loans0.0228%5,584
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)109.0000%352
Efficiency ratio73.1086%3,224
Assets per employee ($millions)3.6376%4,692
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.1211%1,710
Loan loss allowance to noncurrent loans13,500.0000%54
Noncurrent assets plus other real estate owned to assets0.0046%6,693
Noncurrent loans to loans0.0157%6,502
Net loans and leases to total assets28.5423%6,749
Net loans and leases to deposits31.1896%6,807
Net loans and leases to core deposits31.1896%6,823
Total domestic deposits to total assets91.5122%336
Equity capital to assets8.3503%6,160
Core capital (leverage) ratio8.6633%5,376
Tier 1 risk-based capital ratio26.3462%738
Total risk-based capital ratio27.6039%730
Memoranda:
Average total assets$40,612,8006,484
Average earning assets$38,061,8006,426
Average equity$3,485,8006,690
Average total loans$13,148,2006,731
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4060%6,621
Cost of funding earning assets0.4672%5,663
Net interest margin2.9388%6,292
Noninterest income to average assets0.2610%5,701
Noninterest expense to average assets2.2281%5,887
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.7895%3,502
Return on assets (ROA)0.7895%3,743
Pretax return on assets0.7895%4,529
Return on Equity (ROE)9.1312%2,735
Retained earnings to average equity (ytd only)9.1312%1,172
Net charge-offs to loans0.0302%5,229
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)78.6650%525
Efficiency ratio73.8359%3,013
Assets per employee ($millions)3.3123%5,418
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0455%2,046
Loan loss allowance to noncurrent loans5,400.0000%130
Noncurrent assets plus other real estate owned to assets0.0126%6,750
Noncurrent loans to loans0.0379%6,524
Net loans and leases to total assets32.5308%6,721
Net loans and leases to deposits35.8281%6,821
Net loans and leases to core deposits35.8281%6,860
Total domestic deposits to total assets90.7968%477
Equity capital to assets8.9416%5,878
Core capital (leverage) ratio8.6474%5,558
Tier 1 risk-based capital ratio25.9871%828
Total risk-based capital ratio27.2448%813
Memoranda:
Average total assets$39,853,2506,588
Average earning assets$37,384,0006,532
Average equity$3,446,0006,783
Average total loans$13,253,0006,815
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4901%6,617
Cost of funding earning assets0.4703%5,828
Net interest margin3.0197%6,199
Noninterest income to average assets0.2357%5,881
Noninterest expense to average assets2.2513%5,867
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.8173%3,314
Return on assets (ROA)0.8173%3,576
Pretax return on assets0.8173%4,414
Return on Equity (ROE)9.5601%2,552
Retained earnings to average equity (ytd only)9.5601%1,102
Net charge-offs to loans0.0452%4,754
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)54.3333%682
Efficiency ratio73.3660%3,180
Assets per employee ($millions)3.3012%5,444
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.0015%2,223
Loan loss allowance to noncurrent loans385.7143%941
Noncurrent assets plus other real estate owned to assets0.1767%6,349
Noncurrent loans to loans0.5189%5,488
Net loans and leases to total assets33.3720%6,755
Net loans and leases to deposits36.6906%6,850
Net loans and leases to core deposits36.6906%6,900
Total domestic deposits to total assets90.9552%464
Equity capital to assets8.7873%5,928
Core capital (leverage) ratio8.4776%5,676
Tier 1 risk-based capital ratio25.2594%877
Total risk-based capital ratio26.5148%864
Memoranda:
Average total assets$39,888,6706,632
Average earning assets$37,420,3306,576
Average equity$3,410,0006,830
Average total loans$13,270,6706,869
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6824%6,468
Cost of funding earning assets0.4696%6,016
Net interest margin3.2128%5,750
Noninterest income to average assets0.2798%5,628
Noninterest expense to average assets2.1586%6,133
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.1293%1,954
Return on assets (ROA)1.1293%2,141
Pretax return on assets1.1293%3,200
Return on Equity (ROE)13.3946%1,307
Retained earnings to average equity (ytd only)13.3946%630
Net charge-offs to loans0.0304%4,261
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)113.0000%312
Efficiency ratio65.6535%4,623
Assets per employee ($millions)3.4732%5,178
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.1027%2,098
Loan loss allowance to noncurrent loans261.5385%1,288
Noncurrent assets plus other real estate owned to assets0.2495%6,264
Noncurrent loans to loans0.8040%5,071
Net loans and leases to total assets30.3853%6,892
Net loans and leases to deposits33.1996%6,977
Net loans and leases to core deposits33.1996%7,013
Total domestic deposits to total assets91.5231%370
Equity capital to assets8.2322%6,332
Core capital (leverage) ratio8.2671%5,930
Tier 1 risk-based capital ratio24.9382%914
Total risk-based capital ratio26.1957%900
Memoranda:
Average total assets$40,026,0006,686
Average earning assets$37,475,5006,625
Average equity$3,374,5006,883
Average total loans$13,161,0006,930
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8278%6,699
Cost of funding earning assets0.5546%6,320
Net interest margin3.2732%5,892
Noninterest income to average assets0.4116%4,523
Noninterest expense to average assets2.3802%5,827
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.1156%1,774
Return on assets (ROA)1.1156%1,896
Pretax return on assets1.1156%2,777
Return on Equity (ROE)12.8734%1,193
Retained earnings to average equity (ytd only)0.0625%5,808
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0868%4,339
Assets per employee ($millions)3.1978%5,709
Cash dividends to net income (ytd only)*99.5146%335
Condition Ratios (%)
Loss allowance to loans2.0394%2,154
Loan loss allowance to noncurrent loans195.0000%1,701
Noncurrent assets plus other real estate owned to assets0.3648%6,063
Noncurrent loans to loans1.0459%4,618
Net loans and leases to total assets34.1716%6,861
Net loans and leases to deposits37.5139%6,962
Net loans and leases to core deposits37.5139%7,011
Total domestic deposits to total assets91.0903%470
Equity capital to assets8.6465%5,961
Core capital (leverage) ratio8.4783%5,599
Tier 1 risk-based capital ratio24.5924%914
Total risk-based capital ratio25.8524%904
Memoranda:
Average total assets$36,930,2006,766
Average earning assets$34,797,8006,720
Average equity$3,200,4006,963
Average total loans$13,437,2006,970
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9257%6,700
Cost of funding earning assets0.5636%6,457
Net interest margin3.3621%5,680
Noninterest income to average assets0.3682%4,926
Noninterest expense to average assets2.3808%5,816
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.1631%1,771
Return on assets (ROA)1.1631%1,884
Pretax return on assets1.1631%2,775
Return on Equity (ROE)13.4128%1,180
Retained earnings to average equity (ytd only)-3.8262%6,499
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1811%4,486
Assets per employee ($millions)3.0411%6,028
Cash dividends to net income (ytd only)*128.5268%153
Condition Ratios (%)
Loss allowance to loans2.0022%2,331
Loan loss allowance to noncurrent loans262.5000%1,188
Noncurrent assets plus other real estate owned to assets0.2850%6,348
Noncurrent loans to loans0.7627%5,347
Net loans and leases to total assets36.6152%6,837
Net loans and leases to deposits40.2810%6,969
Net loans and leases to core deposits40.2810%7,030
Total domestic deposits to total assets90.8996%469
Equity capital to assets8.8373%5,937
Core capital (leverage) ratio8.5068%5,705
Tier 1 risk-based capital ratio24.4540%962
Total risk-based capital ratio25.7128%946
Memoranda:
Average total assets$36,569,2506,842
Average earning assets$34,541,0006,791
Average equity$3,171,0007,032
Average total loans$13,450,0007,044
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9508%6,737
Cost of funding earning assets0.5743%6,563
Net interest margin3.3765%5,620
Noninterest income to average assets0.3607%4,993
Noninterest expense to average assets2.3501%5,996
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.1914%1,598
Return on assets (ROA)1.1914%1,687
Pretax return on assets1.1914%2,515
Return on Equity (ROE)13.8281%1,009
Retained earnings to average equity (ytd only)-12.1789%6,944
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3580%4,812
Assets per employee ($millions)3.1351%5,792
Cash dividends to net income (ytd only)*188.0734%104
Condition Ratios (%)
Loss allowance to loans2.0369%2,269
Loan loss allowance to noncurrent loans373.9726%854
Noncurrent assets plus other real estate owned to assets0.1940%6,620
Noncurrent loans to loans0.5447%5,824
Net loans and leases to total assets34.9007%7,022
Net loans and leases to deposits38.1686%7,116
Net loans and leases to core deposits38.1686%7,163
Total domestic deposits to total assets91.4383%357
Equity capital to assets8.3065%6,416
Core capital (leverage) ratio8.2300%5,978
Tier 1 risk-based capital ratio23.9061%1,016
Total risk-based capital ratio25.1683%998
Memoranda:
Average total assets$36,594,6706,900
Average earning assets$34,474,0006,850
Average equity$3,153,0007,088
Average total loans$13,388,3307,113
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1206%6,464
Cost of funding earning assets0.6004%6,612
Net interest margin3.5201%4,916
Noninterest income to average assets0.3880%4,808
Noninterest expense to average assets2.4722%5,659
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.2305%1,453
Return on assets (ROA)1.2305%1,501
Pretax return on assets1.2305%2,265
Return on Equity (ROE)14.0196%988
Retained earnings to average equity (ytd only)-37.7644%7,347
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7665%4,902
Assets per employee ($millions)3.0529%6,047
Cash dividends to net income (ytd only)*369.3694%60
Condition Ratios (%)
Loss allowance to loans2.1115%2,161
Loan loss allowance to noncurrent loans160.5882%1,819
Noncurrent assets plus other real estate owned to assets0.4640%6,055
Noncurrent loans to loans1.3149%4,500
Net loans and leases to total assets34.5462%7,069
Net loans and leases to deposits37.7678%7,172
Net loans and leases to core deposits37.7678%7,225
Total domestic deposits to total assets91.4699%424
Equity capital to assets8.2380%6,239
Core capital (leverage) ratio8.0062%6,252
Tier 1 risk-based capital ratio23.9676%978
Total risk-based capital ratio25.2303%958
Memoranda:
Average total assets$36,081,5006,964
Average earning assets$33,976,0006,920
Average equity$3,167,0007,118
Average total loans$13,381,0007,167
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5194%6,341
Cost of funding earning assets0.8466%6,377
Net interest margin3.6728%4,479
Noninterest income to average assets0.3955%4,939
Noninterest expense to average assets2.5957%5,435
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.2310%1,341
Return on assets (ROA)1.2310%1,413
Pretax return on assets1.2310%2,138
Return on Equity (ROE)12.8787%1,117
Retained earnings to average equity (ytd only)-4.6973%6,269
Net charge-offs to loans0.0000%6,850
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3660%4,690
Assets per employee ($millions)2.9607%6,189
Cash dividends to net income (ytd only)*136.4734%195
Condition Ratios (%)
Loss allowance to loans1.9735%2,370
Loan loss allowance to noncurrent loans91.0000%3,136
Noncurrent assets plus other real estate owned to assets0.8444%5,316
Noncurrent loans to loans2.1687%3,347
Net loans and leases to total assets38.1671%7,066
Net loans and leases to deposits42.2469%7,176
Net loans and leases to core deposits42.2469%7,250
Total domestic deposits to total assets90.3428%912
Equity capital to assets9.3335%4,643
Core capital (leverage) ratio9.0959%4,365
Tier 1 risk-based capital ratio24.2008%912
Total risk-based capital ratio25.4634%895
Memoranda:
Average total assets$33,632,0007,094
Average earning assets$31,419,8007,040
Average equity$3,214,6007,217
Average total loans$14,950,8007,171
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6090%6,312
Cost of funding earning assets0.8925%6,422
Net interest margin3.7165%4,320
Noninterest income to average assets0.3579%5,307
Noninterest expense to average assets2.6338%5,181
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.1902%1,616
Return on assets (ROA)1.1902%1,708
Pretax return on assets1.1902%2,526
Return on Equity (ROE)12.3747%1,409
Retained earnings to average equity (ytd only)-11.2459%6,935
Net charge-offs to loans0.0000%6,671
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2440%4,419
Assets per employee ($millions)2.8378%6,517
Cash dividends to net income (ytd only)*190.8757%92
Condition Ratios (%)
Loss allowance to loans1.8483%2,633
Loan loss allowance to noncurrent loans94.7917%2,916
Noncurrent assets plus other real estate owned to assets0.8457%5,400
Noncurrent loans to loans1.9499%3,747
Net loans and leases to total assets42.5719%6,945
Net loans and leases to deposits47.1677%7,118
Net loans and leases to core deposits47.1677%7,227
Total domestic deposits to total assets90.2564%747
Equity capital to assets9.3912%4,999
Core capital (leverage) ratio9.3144%4,189
Tier 1 risk-based capital ratio21.9387%1,215
Total risk-based capital ratio23.1941%1,190
Memoranda:
Average total assets$33,158,0007,200
Average earning assets$30,924,2507,140
Average equity$3,189,2507,312
Average total loans$15,230,2507,245
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6768%6,225
Cost of funding earning assets0.9275%6,474
Net interest margin3.7493%4,136
Noninterest income to average assets0.3895%4,998
Noninterest expense to average assets2.6598%5,081
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.2234%1,502
Return on assets (ROA)1.2234%1,563
Pretax return on assets1.2234%2,340
Return on Equity (ROE)12.6164%1,326
Retained earnings to average equity (ytd only)-22.8476%7,321
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5549%4,662
Assets per employee ($millions)2.7098%6,769
Cash dividends to net income (ytd only)*281.0945%68
Condition Ratios (%)
Loss allowance to loans1.8458%2,580
Loan loss allowance to noncurrent loans94.7917%2,901
Noncurrent assets plus other real estate owned to assets0.8857%5,349
Noncurrent loans to loans1.9473%3,798
Net loans and leases to total assets44.6443%6,873
Net loans and leases to deposits49.5444%7,085
Net loans and leases to core deposits49.5444%7,227
Total domestic deposits to total assets90.1098%866
Equity capital to assets9.5427%4,644
Core capital (leverage) ratio9.3102%4,099
Tier 1 risk-based capital ratio18.1973%1,896
Total risk-based capital ratio19.4523%1,869
Memoranda:
Average total assets$32,859,6707,263
Average earning assets$30,619,0007,205
Average equity$3,186,3307,361
Average total loans$15,383,6707,294
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7390%6,116
Cost of funding earning assets0.9244%6,677
Net interest margin3.8146%3,730
Noninterest income to average assets0.3512%5,332
Noninterest expense to average assets2.8458%4,297
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.0536%1,993
Return on assets (ROA)1.0536%2,055
Pretax return on assets1.0536%2,896
Return on Equity (ROE)10.7807%1,844
Retained earnings to average equity (ytd only)-59.2317%7,733
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0497%3,924
Assets per employee ($millions)2.7408%6,777
Cash dividends to net income (ytd only)*649.4253%33
Condition Ratios (%)
Loss allowance to loans1.8268%2,651
Loan loss allowance to noncurrent loans94.7917%2,911
Noncurrent assets plus other real estate owned to assets0.8757%5,407
Noncurrent loans to loans1.9272%3,890
Net loans and leases to total assets44.6076%6,943
Net loans and leases to deposits49.2365%7,170
Net loans and leases to core deposits49.2365%7,312
Total domestic deposits to total assets90.5987%691
Equity capital to assets9.0881%5,150
Core capital (leverage) ratio9.0051%4,559
Tier 1 risk-based capital ratio17.3706%2,114
Total risk-based capital ratio18.6271%2,086
Memoranda:
Average total assets$33,031,0007,343
Average earning assets$30,724,0007,290
Average equity$3,228,0007,427
Average total loans$15,680,5007,366
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3587%4,902
Cost of funding earning assets1.0624%7,072
Net interest margin4.2962%1,733
Noninterest income to average assets0.5007%4,405
Noninterest expense to average assets2.7696%5,091
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.7682%382
Return on assets (ROA)1.7682%403
Pretax return on assets1.7682%676
Return on Equity (ROE)17.0058%459
Retained earnings to average equity (ytd only)-3.3711%5,764
Net charge-offs to loans0.0000%7,246
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.2069%6,459
Assets per employee ($millions)2.7644%6,725
Cash dividends to net income (ytd only)*119.8230%407
Condition Ratios (%)
Loss allowance to loans1.6629%3,035
Loan loss allowance to noncurrent loans156.0000%1,849
Noncurrent assets plus other real estate owned to assets0.5275%6,133
Noncurrent loans to loans1.0660%5,191
Net loans and leases to total assets48.6661%6,760
Net loans and leases to deposits54.5645%7,017
Net loans and leases to core deposits55.9506%7,407
Total domestic deposits to total assets89.1900%1,394
Equity capital to assets10.4513%3,239
Core capital (leverage) ratio10.3212%2,769
Tier 1 risk-based capital ratio18.8631%1,684
Total risk-based capital ratio20.1166%1,652
Memoranda:
Average total assets$31,954,0007,406
Average earning assets$30,026,2007,355
Average equity$3,322,4007,496
Average total loans$15,169,6007,442
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4458%4,705
Cost of funding earning assets1.0820%7,216
Net interest margin4.3638%1,548
Noninterest income to average assets0.4634%4,793
Noninterest expense to average assets2.7172%5,252
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.8578%396
Return on assets (ROA)1.8578%418
Pretax return on assets1.8578%720
Return on Equity (ROE)17.8924%467
Retained earnings to average equity (ytd only)-9.5750%6,766
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5635%6,637
Assets per employee ($millions)2.6055%7,037
Cash dividends to net income (ytd only)*153.5128%276
Condition Ratios (%)
Loss allowance to loans1.7849%2,324
Loan loss allowance to noncurrent loans65.3110%4,057
Noncurrent assets plus other real estate owned to assets1.3369%4,416
Noncurrent loans to loans2.7329%2,775
Net loans and leases to total assets48.0458%6,948
Net loans and leases to deposits54.0204%7,216
Net loans and leases to core deposits55.4829%7,559
Total domestic deposits to total assets88.9401%1,225
Equity capital to assets10.6921%3,299
Core capital (leverage) ratio10.2295%3,041
Tier 1 risk-based capital ratio19.7150%1,612
Total risk-based capital ratio20.9686%1,569
Memoranda:
Average total assets$31,649,2507,476
Average earning assets$29,820,5007,423
Average equity$3,286,2507,576
Average total loans$14,857,7507,532
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5277%4,458
Cost of funding earning assets1.0922%7,391
Net interest margin4.4355%1,320
Noninterest income to average assets0.4280%5,055
Noninterest expense to average assets2.6560%5,537
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.9637%322
Return on assets (ROA)1.9637%353
Pretax return on assets1.9637%612
Return on Equity (ROE)19.0982%394
Retained earnings to average equity (ytd only)-22.3424%7,525
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.6757%7,029
Assets per employee ($millions)2.6750%6,892
Cash dividends to net income (ytd only)*216.9872%199
Condition Ratios (%)
Loss allowance to loans1.8364%1,953
Loan loss allowance to noncurrent loans117.6724%2,502
Noncurrent assets plus other real estate owned to assets0.7227%5,601
Noncurrent loans to loans1.5606%4,156
Net loans and leases to total assets45.4611%7,234
Net loans and leases to deposits50.7424%7,451
Net loans and leases to core deposits52.0695%7,706
Total domestic deposits to total assets89.5919%1,006
Equity capital to assets10.0125%3,923
Core capital (leverage) ratio9.8110%3,503
Tier 1 risk-based capital ratio19.3673%1,707
Total risk-based capital ratio20.6194%1,664
Memoranda:
Average total assets$31,777,0007,540
Average earning assets$30,030,3307,481
Average equity$3,267,3307,643
Average total loans$14,712,0007,606
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9482%7,060
Cost of funding earning assets1.1204%7,480
Net interest margin3.8279%3,349
Noninterest income to average assets0.4049%5,177
Noninterest expense to average assets2.6822%5,090
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.3538%1,251
Return on assets (ROA)1.3538%1,338
Pretax return on assets1.3538%2,109
Return on Equity (ROE)12.9933%1,389
Retained earnings to average equity (ytd only)-69.2168%8,094
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5172%5,422
Assets per employee ($millions)2.6283%7,030
Cash dividends to net income (ytd only)*632.7103%50
Condition Ratios (%)
Loss allowance to loans1.9528%1,523
Loan loss allowance to noncurrent loans148.3696%2,169
Noncurrent assets plus other real estate owned to assets0.5834%5,723
Noncurrent loans to loans1.3162%4,345
Net loans and leases to total assets43.4591%7,382
Net loans and leases to deposits48.2250%7,568
Net loans and leases to core deposits49.7279%7,800
Total domestic deposits to total assets90.1173%741
Equity capital to assets9.5403%4,620
Core capital (leverage) ratio9.1739%4,444
Tier 1 risk-based capital ratio19.1090%1,790
Total risk-based capital ratio20.3664%1,751
Memoranda:
Average total assets$31,615,5007,586
Average earning assets$29,990,5007,517
Average equity$3,294,0007,690
Average total loans$14,635,0007,656
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1754%4,639
Cost of funding earning assets1.3547%7,793
Net interest margin4.8207%746
Noninterest income to average assets0.5059%4,577
Noninterest expense to average assets2.8122%4,770
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets2.2531%214
Return on assets (ROA)2.2531%210
Pretax return on assets2.2531%355
Return on Equity (ROE)19.8697%387
Retained earnings to average equity (ytd only)-0.7337%5,523
Net charge-offs to loans0.0132%6,725
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)338.5000%139
Efficiency ratio54.7306%7,181
Assets per employee ($millions)2.6409%6,915
Cash dividends to net income (ytd only)*103.6928%900
Condition Ratios (%)
Loss allowance to loans1.7855%1,663
Loan loss allowance to noncurrent loans3,412.5000%186
Noncurrent assets plus other real estate owned to assets0.0252%7,498
Noncurrent loans to loans0.0523%7,298
Net loans and leases to total assets47.3857%7,232
Net loans and leases to deposits54.4746%7,407
Net loans and leases to core deposits55.5321%7,753
Total domestic deposits to total assets86.9868%1,942
Equity capital to assets11.2934%2,809
Core capital (leverage) ratio10.9647%2,617
Tier 1 risk-based capital ratio21.2597%1,423
Total risk-based capital ratio22.5134%1,388
Memoranda:
Average total assets$30,047,8007,648
Average earning assets$28,419,4007,594
Average equity$3,407,2007,719
Average total loans$15,184,6007,636